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Will Rhode Island’s big bet on hedge funds pay off?
For some, hedge funds offer a prudent move to lower risk and volatility, but to others, they are seen as over-hyped investments that lag behind stock-market gains.
A few weeks ago, New York billionaire hedge fund trader Daniel Loeb, who has $66 million in Rhode Island state pension funds, made nearly 10 times that when he sold 40 million shares of Yahoo stock, two years after buying a stake in the Internet giant and orchestrating Marissa Mayer’s hiring as CEO.
In the spring, another billionaire hedge fund manager, Paul Singer, who has $70 million in Rhode Island pension money, made headlines for buying up Hess Corp. stock and forcing a board shakeup to prod the oil company to pursue fracking for natural gas. The jury’s still out on that deal.
And last year, Ken Garschina, who has $64 million in Rhode Island pension assets, stumbled in his nearly $2-billion bet on a Canadian telecommunications giant, contributing to his Mason Capital’s 7-percent decline for 2012.
So it goes in the world of hedge funds, where sophisticated money managers have invested large pools of money for wealthy investors, private foundations, universities and, increasingly in recent years, public pension funds.
Around the globe, 18 hedge funds are putting $1 billion of Rhode Island pension money to work — in Asian futures, Midwestern commodities, global currencies, distressed securities, startup companies and residential mortgage-backed securities. They employ such investment strategies as short-selling, leverage, risk arbitrage, spread trading and structured credit.
One of the state's hedge-fund managers, D.E. Shaw, is the chief financial backer of Deepwater Wind, the Providence-based energy firm that last week won a federal auction to develop wind farms off the coast of Rhode Island and Massachusetts.
In the view of Rhode Island Treasurer Gina M. Raimondo and the State Investment Commission, as well as many outside investment experts, putting 14 percent of the state’s $7.5-billion pension fund into hedge funds is a prudent move to lower risk and volatility. This is especially vital after the 2008 stock market crash wiped out 25 percent of the state pension fund, and with Rhode Island needing to write a huge check every month — totaling more than $924 million last year — for retiree benefits.
With interest rates so low on bonds — the traditional “hedge” against stock-market losses — many investment professionals argue that hedge funds offer better protection from another stock-market tumble. The logic is that by investing in things that are not correlated to the stock market, hedge funds will smooth out the roller-coaster ride. They won’t soar as high, but won’t dip so low, preserving capital when stocks go down.
But a growing number of critics attack hedge funds as over-hyped, risky and costly investments that have lagged behind strong stock-market gains. The only people getting rich from hedge funds, the skeptics say, are the Wall Street tycoons who run them, raking in high fees while retirees and working men and women see their retirement benefits slashed.
For the 2012-’13 fiscal year ending June 30, Rhode Island’s hedge fund portfolio earned 11.22 percent, trailing the Russell 3000 stock index of 21.46 percent. The state’s overall $7.5-billion pension fund gained 11.07 percent in 2012-’13. Had the hedge fund money been invested in stocks, the pension fund could have earned $100 million more based on the Russell index. During the same period, the state paid out $200 million less by suspending cost-of-living allowances to retirees.
On top of that are the high fees — an average management fee of 1.7 percent of assets, plus an average performance fee of 20 percent on any profits.
Those fees totaled an estimated $45 million on hedge fund gains of about $140 million for 2012-’13, according to a Providence Journal analysis of hedge fund data provided by the treasurer’s office and confirmed by the state’s private hedge fund consultant.
Public employee unions nationally and in Rhode Island, as well as a growing chorus of others in the investment community, have questioned hedge funds. A July 11 Bloomberg Businessweek cover story was headlined, “The Hedge Fund Myth.”
Raimondo, a Democrat and former venture capitalist who is contemplating a run for governor in 2014, has been criticized for pushing a strategy that results in paying millions more in management fees while lower-income retirees go without cost-of-living increases. In the fall of 2011, as the Investment Commission she chairs was voting to hire hedge funds, Raimondo spearheaded an overhaul of the state pension system that reduced the unfunded liability by $3 billion, in part by partially moving state workers from defined benefit to a 401(k)-style defined contribution plan.
A key component was a suspension of cost-of-living allowances. With lower hedge fund returns a drag on the pension fund’s growth, retirees will have to wait longer for the retirement system to recover from past underfunding so they can regain their COLAs.
“They’re turning the pension fund into a fee machine for Wall Street,” said Daniel Pedrotty, of the American Federation of Teachers (AFT) in Washington. “In the years since 2008, the stock market has roared back. Hedge funds have not. It’s a disturbing story.”
Raimondo won national acclaim as a pension reformer, including a 2012 “urban innovator” award from a conservative New York think tank, the Manhattan Institute, which advocates for defined-benefit plans. Three of the hedge fund managers Rhode Island hired — Loeb, Singer and Garschina — are trustees of the Manhattan Institute; last spring, their funds were placed on an AFT watch list for being hostile to union workers.
The treasurer says she doesn’t like the high fees, but has a fiduciary obligation to look at the bigger picture — the welfare of the pension fund. She says she doesn’t recall meeting Loeb, Singer or Garschina, and that the selection of their hedge funds was vetted by the Treasury’s staff and outside consultant, and approved unanimously by the Investment Commission. Of Loeb’s Third Point Partners, the state’s highest-performing hedge fund with a 29.46-percent return in 2012-’13, she said, “I’m proud of his accomplishments.”
During a discussion of hedge fund fees and transparency at an Investment Commission meeting this spring, Raimondo said: “I’m troubled by the fees. It’s too much money. But my job is to maximize returns. We’ve reduced risk substantially. … A year and a half ago we sat around this table talking about how we’ve got to protect people’s pensions. We put in place a risk strategy. We monitor these guys. It’s working. So I say, let’s stay the course.”
Critics call hedge funds risky business. But proponents warn that big investors ignore them at their own risk.
The average public pension plan has 1.2 percent of its money in hedge funds and 11 percent in alternative investments, according to the 2013 Wilshire Trust Universe Comparison of plans with more than $1 billion. But that average includes plans that don’t invest in hedge funds. Of those public plans that do invest in them, many are in the 5-percent to 10-percent range, says a Wilshire analyst.
Rhode Island, whose 14-percent hedge fund portfolio is part of its 26-percent stake in alternative investments, including venture capital and real estate, is not alone. In 2013, overall hedge fund assets are expected to increase by 11 percent, to a record $2.5 trillion, according to a Deutsche Bank survey.
Public pension plans are the largest single investors in hedge funds, according to a recent report by Preqin, a New York financial data firm.
Alfred Winslow Jones is credited with launching the first hedge fund in 1949. He used leverage — borrowing — to buy more stock. And he used short-selling — borrowing shares in anticipation they would decline in value — to avoid market risk when stocks dropped. Given his “hedged” position, his fate was not determined by whether the market rose or fell, but by his choice of stocks.
Over the years, hedge funds became more complex. Today, there are more than 9,000 funds, chasing more than two-dozen investment strategies. Some hedge fund managers have made headlines for their excesses, yachts and mansions, and for insider trading and the mortgage derivatives that helped fuel the 2008 financial collapse. Two weeks ago, federal prosecutors in Manhattan announced the indictment of SAC Capital, one of the country’s most successful hedge funds (but not one of Rhode Island’s funds), on insider-trading charges.
Still, investment advisers say hedge funds have a place in a prudent investor’s portfolio. Some point to universities, including Brown University, which have higher allocations than public pensions. Brown reports having 24 percent of its $2.6-billion long-term pool, which includes endowed and university funds, in hedged strategies and another 24 percent in private equity.
The key is to focus not solely on returns, but the risk associated with achieving them.
“Risk is very important,” says Eileen Neill, a managing director at Wilshire Associates who works with large pension funds, including state plans in Iowa and Wisconsin.
To average investors, she says, risk is the danger of losing their principal. But to institutional investors, risk is the level of volatility associated with making money. And since the 2008 crash, risk to pension funds is the danger of “missing your objective so much that you risk insolvency, and have to put in external capital,” says Neill. That’s why more public plans have added hedge funds.
Raimondo echoes that. Hedge funds are not about outperforming the stock market in good times, she said in an interview, but providing a safety net in bad. During a 2011 Investment Commission meeting to consider adding hedge funds, she urged the board to start thinking about risk the way investors traditionally think about returns.
Without hedge funds, the state pension fund lost 25 percent of its value — $2 billion — in the 2008 financial collapse; with hedge funds, the losses would have been $500 million less, according to the state’s hedge fund consultant, Cliffwater. According to the treasurer’s office, 5 of Rhode Island’s 18 hedge funds suffered double-digit losses in 2008 — 3 in the teens — while the S&P 500 stock index dropped 37 percent.
With the state still digging out of that hole and paying more than $70 million a month to retirees, Raimondo says, “it’s essential to preserve capital and minimize risk. How do you do that? Hedge funds.”
“Managing money is a lot harder than it’s ever been,” she says. “The thinking was, ‘Let’s pick hedge funds that provide us with the tools we don’t have now, so we don’t have another 2008.’ … This hedge fund portfolio is designed for a different market, one that will capture most of the upside but not all of the downside.”
Her chief investment officer, Anne-Marie Fink, notes that the recent stock market dip provides an example. Faced with fears of rising interest rates and a slowdown in China, stocks were down 2.7 percent in June, compared with 0.7 percent for the state’s global equities hedge funds; bonds were down 1.6 percent, compared with 1.1 percent for the state’s “absolute returns hedge funds” group, which invests in currencies and commodities.
Risk is plotted as a mathematical formula in which the returns of different types of investments are arranged on a graph, to show how far they deviate from the average return. The higher the standard deviation, the riskier it is, like a roller coaster that lurches up and down, leaving investors with a lot of butterflies in their stomachs.
A safer investment rises more gradually, with fewer dramatic dips, so that when it does go down it doesn’t have as far to travel to reach the top again.
Stephen L. Nesbitt, CEO of Cliffwater, the state’s hedge fund consultant, produced a report for the Investment Commission this spring, charting Rhode Island’s first 18 months in hedge funds, through April 30, 2013. The standard deviation for the hedge fund portfolio was just over 2 percent, compared with just under 6 percent for the entire Rhode Island pension fund and about 7 percent for a traditional mix of 60 percent stocks, 40 percent bonds.
Nesbitt’s message: “Your hedge funds are behaving the way they were intended to.”
Not everyone agrees
In April, prominent investment manager Robert Arnott told CNN that most hedge funds have been “a disappointment” and rejected the argument that they generate better risk-adjusted returns. To prove it, Arnott’s colleagues at Research Affiliates took a portfolio with a basic mix of 60 percent stocks, 40 percent bonds and studied what would happen if it was gradually shifted, 10 percent at a time, into hedge funds. The result: returns went down, and risk went up.
The study concluded that a pension fund would have performed better with a passively, less expensively managed blend of commodities, real estate and other assets.
Simon Lack, a former Morgan Stanley hedge fund trader and author of “The Hedge Fund Mirage,” has become a leading guru of hedge fund skeptics. Lack writes that “if all the money that’s ever been invested in hedge funds had been put in Treasury bills instead, the results would be twice as good.”
But investment expert Brian Portnoy, author of “The Investor’s Paradox,” says Lack misread the data and that hedge funds actually beat Treasury bills over time.
Gordon H. Dash, a University of Rhode Island finance professor who teaches a class in hedge funds, says Raimondo’s strategy is correct, and that it can’t be fairly judged in the short term and during a bull market.
“These strategies, properly executed, do work,” said Dash. “Indexing [investing in funds that track the stock-market index] is always offered as an alternative, but the problem is that when the market tanks, the index tanks. And then your funding to pay pension obligations is in jeopardy. You have to have a hedge in place.”
Still, critics such as Ted Siedle, a pension investigator and Forbes contributor who is critical of Raimondo, and who is investigating the Rhode Island fund for a state public-employees union, warn that that doesn’t mean hedge fund investors can get their money out quickly.
A “lock-up” prevents investors from withdrawing money before a specified period, usually one or two years. In a “soft lock-up,” money can be withdrawn, but with a penalty. A “gate” prevents investors from withdrawing too much money at once. For instance, Paul Singer’s Elliott Associates, which has $69 million in Rhode Island pension money, limits withdrawals to 25 percent twice a year, with a 1.75-percent fee, plus 60 days’ notice.
Last winter, Rhode Island got out of two underperforming hedge funds, serving notice in December and January and getting $89 million of $91 million back by the end of June. (The remaining money will be returned in 2014, after an audit confirms the numbers.)
There are two ways to view hedge fund fees: a necessary evil or an unnecessary gouging.
Either way, they add up to a significant chunk of change, which helps explain why 7 of Rhode Island’s 18 hedge fund managers are billionaires who made Forbes’ list of the richest 40 hedge fund managers last year.
In Rhode Island’s first 20 months in hedge funds, from November 2011 through June 2013, the state paid $61 million in fees — $16 million for 2011-’12 plus the estimated $45 million last year. In addition, the state paid $2.5 million last year in fund expenses.
Raimondo notes that a sizable chunk of Rhode Island’s pension fund — 47 percent — is in low-cost, indexed stocks and another 14 percent is in low-cost bonds. Excluding hedge fund fees, the state reported $17 million in fees in 2012-’13. Adding the hedge fund fees for last year, the total would climb to an estimated $62 million.
Hedge fund advocates say it’s important to view the bigger picture — the positive risk-adjusted returns that hedge funds deliver, even after those fees are deducted. They invoke Oscar Wilde’s definition of a cynic: “A man who knows the price of everything and the value of nothing.”
But financial advisers who say the cardinal rule of investing is to lower your fees cite Benjamin Franklin: “A penny saved is a penny earned.”
Advocates argue that investors pay for the hedge fund traders’ skills and acumen, and in some cases sophisticated mathematical algorithms and computer programs.
A Cliffwater report on one of Rhode Island’s global equity funds, Davidson Kempner Institutional Partners, which has $62 million in state pension money, cites an example of the firm’s research-driven approach to investing in distressed companies. In evaluating a business, the report says, the fund’s research analysts develop “a strong understanding of the restructuring and legal process.”
“For example, the analyst focused on transportation has created a model to evaluate structured securities secured by planes,” the Cliffwater report says. “For each security, he has analyzed the types, ages and manufacturer of each plane to understand how valuable the collateral [the planes] is to the market.”
Fink, Rhode Island’s chief investment officer, cites another example involving the Indus Asia Pacific Fund, which invests $43 million of Rhode Island pension money in Asian countries. In China, where government statistics on growth and inflation aren’t always reliable, the fund hires people to go into supermarkets and other stores to price commodities, such as chicken, rice and gasoline, and create an independent database to measure inflation.
“That’s expensive,” says Fink. “When we pay high fees we want to ensure that we’re generating a good return. If somebody’s charging 2 and 20 [percent] and it’s two guys with a Bloomberg [terminal], that’s not worth it. We want to make sure we’re getting value for our money.”
Consequently, Fink says, she visits the offices of the hedge funds Rhode Island invests in, and pays attention to the size and experience of the staff, as well as its investment strategies. She cited one of the state’s most expensive hedge firms, D.E. Shaw & Co., which charges a 25-percent performance fee and a 2.5-percent management fee, and manages $64 million for Rhode Island.
“They employ 1,000 people. They have 55 Ph.D.s running all these crazy statistical models,” said Fink.
The D.E. Shaw Composite International Fund gained 18.9 percent over the past year and has averaged 10.9 percent over the past three years, according to Cliffwater, which monitors the hedge funds. So far this year, it’s up 9.58 percent.
Hedge fund critics, however, say investors could put their money to work more cheaply and effectively elsewhere.
“Why are you paying performance fees for someone who’s underperforming the market?” asks Barry Ritholtz, managing partner of Fusion Analytics Investment Partners in New York and a financial author and commentator.
The explosive growth of hedge funds and pools of money to invest makes it harder for everyone to be the smartest guy in the room, says Jay Youngdahl, a visiting fellow at the Initiative for Responsible Investment at the Hauser Center for Nonprofit Organizations at Harvard University.
“Paying 2 and 20 percent, you’d need to earn a ridiculously high return,” he says. “While lightning strikes from time to time, it seldom strikes in the same place, and most of us never get hit.”
A recent study by a pair of Maryland think tanks found that the 10 state pension systems paying the highest fees often had some of the worst investment returns. In contrast, the Maryland Public Policy Institute and the Maryland Tax Education Foundation found that the 10 states with the lowest fees generated the best returns.
The study, which didn’t focus exclusively on hedge funds, examined fees in 46 state pension funds; Rhode Island was not included because the authors say they didn’t have access to data for the 2012 fiscal year.
While money managers claim they have a “secret sauce” to consistently beat the market, many “buy and sell publicly traded securities (i.e., ‘hedge funds’), so this idea is simply ‘old wine in a new bottle,’ ” the study said. By indexing a larger portion of pension portfolios — 80 to 90 percent — to stocks and bonds, the study contends, states could collectively save billions of dollars, while reducing their unfunded liabilities by tens of billions.
Raimondo says Rhode Islanders should focus less on fees and more on results — the protection for public employees and retirees from another catastrophic stock market collapse. After fees are deducted, Rhode Island’s hedge funds are still earning double-digit returns.
“We’ve reduced risk by 10 percent, and part of that is moving into these alternative investments,” said Raimondo. “They’re the best in the business, whether or not they have some colorful, overly paid hedge fund managers. They’ve delivered strong returns over time.”
What’s a hedge fund?
A hedge fund pools money from large investors and places it in a diverse range of stocks, bonds, commodities, currencies and other investments. Such funds seek to maximize returns relative to the risk taken and to perform regardless of the performance of the overall market, providing a “hedge” to other investments.
R.I. state pension investments
24.4 percent ($1.8 billion): U.S. stocks
23 percent ($1.7 billion): Non-U.S. stocks
14.2 percent ($1 billion): Fixed income
8.8 percent ($660 million): Credit and Global Inflation Linked Bonds
7.8 percent ($586 million): Alternative equity
7.5 percent ($568 million): Private equity
6.6 percent ($497 million): Real return hedge funds
3.6 percent ($275 million): Cash
3.5 percent ($265 million): Real estate
(As of June 30. Source: Rhode Island General Treasurer’s Office)


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Zenhiser - Blissed Out Deep House WAV
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انجمن تخصصی آهنگسازی کیوبیس و اف ال استودیو ایران

domain: artistic


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For more than 50 years this biography has been one of the most comprehensive studies of Elizabeth's entire reign, including the wars with Spain, the long standing struggle with Mary, Queen of Scots, and her abortive marriage projects, plots and court intrigues.
"synopsis" may belong to another edition of this title.
"There can be no doubt about its scholarship... Merely as a "tour de force" the book is a remarkable performance." -- "American Historical Review."
"About this title" may belong to another edition of this title.
Book Description Penguin UK, 1988. Paperback. Book Condition: New. book. Bookseller Inventory # 0140105751

domain: literature


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When India proposed itself as the venue for a sequel to the conference at Kabul attended by a galaxy of foreign ministers last December, Delhi's strategic intentions were clear.
A conference of this nature would highlight India's regional role in Afghanistan. Second, since Afghan reconstruction was an integral part of the 'war on terror', and was of core concern to the US policy, Delhi would have aspired to harmonise one more facet of its regional policy with that of Washington's vital interests, consistent with the behaviour of 'natural allies'.
That, in turn, would put pressure on Pakistan to 'do more' in the war on terror, apart from throwing into relief the Islamabad's negativism towards Delhi's insistent claim to have an access route by land to Afghanistan -- a route that also would link India to Central Asia.
Third, Delhi would have hoped that by hosting such a donor conference, India would not only tap lucrative business opportunities that come in the wake of all post-war reconstruction but could further explore the scope for the Turkmenistan gas pipeline project.
Certainly, Delhi would have carefully factored that the "Great Central Asia strategy" -- lately projected by Washington as a means of both resuscitating American strategic influence in that region and in curbing the expanding Russian and Chinese influence there. The US plan involved drawing the south Asian countries (especially India) and that region closer together in interlocking regional projects.
But in the event, the forthcoming conference at Delhi on November 18 is somewhat turning out to be like Hamlet without the Prince of Denmark. The US Secretary of State Condoleeza Rice will not attend the conference. Nor will the Pakistani Foreign Minister Khurshid Mahmud Kasuri. In the absence of these star attractions, many other luminaries also could be staying away. And that includes important players on the Afghan chessboard -- Iran, Russia or China.
UN Secretary General Kofi Annan is also staying away. The conference thus has slid down to a mere 'technical' level interaction focusing on the nitty-gritty of reconstruction in Afghanistan. The political agenda germane to Afghan reconstruction is completely lacking, though Prime Minister Manmohan Singh will be "co-chairing" the conference with Afghan President Hamid Karzai, as originally envisaged.
The deliberations on the Afghan problem by the European Union Foreign Ministers on November 13 and the forthcoming summit meeting of the North Atlantic Treaty Organisation on November 28, in fact, have completely overshadowed this weekend's cogitations in Delhi.
Why does the Delhi conference look so surreal?
The locus of the Afghan problem has shifted dramatically during the past one year, especially in the recent months. First, the inevitable has come to pass the long-expected resurgence of the Taliban. That, of course, focuses international attention on what has gone so terribly wrong with Afghan reconstruction.
Clearly, Afghan problem lies in four concentric circles. At the inner most core lies a non-functioning, corrupt government with hardly any popular support, exercising no influence beyond Kabul. This has generated a host of problems in the nature of a total breakdown of law and order, warlordism, drug trafficking and other venalities, and a virtual standstill in reconstruction activities.
Into this resultant political vacuum, the Taliban is stepping in, dexterously tapping the mounting popular disaffection against the 'satraps' and their cohorts in Kabul. On the periphery, this disaffection is fast turning into a hatred that comes naturally to a proud people toward the continued foreign occupation of the country with all the ignominies that it entails, which in turn is catapulting the Taliban into the hallowed stature of 'Afghan resistance'.
Enveloping all this is the great unspoken uncertainty over if and when the US might decide to 'cut and run'. There are disturbing signs already of gnawing doubts in the popular opinion in important NATO countries about the raison d'etre of the Afghan war.
For Delhi, all this must come as a wake-up call.
The grudging acknowledgement in important western capitals (as indeed in Kabul) that no enduring settlement is possible without a political accommodation of the Taliban runs in the face of Delhi's obstinate perception of the Taliban as constituting dark forces of obscurantism and terrorism in the region. Not too long ago, an Indian foreign minister described 'moderate' Taliban as an oxymoron.
Yet New Delhi, and especially the Indian strategic community, has no choice but to reconcile its visceral opposition to the Taliban with the emergent Afghan political reality. Alongside comes the realisation that Afghan war is in actuality a fratricidal strife and India was unwise in the first instance to have taken sides in that country's internal affairs.
The fact remains that in an escalating spiral of 'tits-and-tats' over the past decade, Delhi and the Taliban got entangled in adversarial equations ever since India decided to pursue a 'pro-active' role among the anti-Taliban groups in Afghanistan.
India spent a good fortune in the war effort against the Taliban regime in the late 1990s. To be sure, Islamabad astutely exploited the crass stupidities in the Indian policy leading to tragic consequences such as the Kandahar hijacking or the defacing of Bamiyan statues of the Buddha.
Saturday's conference in Delhi provides a window of opportunity to the government to revert to the traditional moorings of Indian policy, which used to repose confidence that no matter his ethnicity or tribal instincts or linguistic and regional affinities, for an Afghan the great Indian plains shall always remain an enchanting dream. And that no amount of manipulation by outside parties can turn an Afghan to be hostile toward India, be it of an Afghan Talib or a non-Taliban Afghan.
At the conference, therefore, India must revert to its exclusive focus on people-to-people relations and our economic, cultural and historical bonds with the Afghan people. Second, Delhi must resist the temptation to be drawn back into a zero-sum game with Islamabad vis-a-vis the Afghan problem.
As it is, Indo-Pak differences are not lacking in variety. Our triumphalism over the overthrow of the Taliban regime in 2001 was untimely; our certainty over the inexorable loss of Pakistani influence in post-Taliban Kabul was plain unrealistic (by the dictates of geography, ethnicity and geopolitics); our exhibitionism in maintaining four consulates and a full-fledged embassy in a tiny country such as Afghanistan was simply incomprehensible.
We must visualise that ultimately, Islamabad is involved in a wasteful extravaganza, conjuring up grand visions of 'controlling' Afghanistan. After all, it took only three months for the Afghan interim government in Kabul that followed the Mujahideen takeover in 1992, to reach out to Delhi as a counter to Pakistan's hegemony.
There are signs galore already that Islamabad cannot be prescriptive or selective toward Kabul on what constitutes good-neighbourliness. Clearly, Afghans resent Pakistani interference and there is growing international awareness of Pakistan's diabolical role.
We would also do well to take note that in all these years of mutual acrimony, despite India's overt and covert indulgence in activities aimed at bleeding the Taliban, the latter never ever carried the fight to Indian soil.
In a nutshell, the Taliban's message to Delhi has consistently been: 'Leave us alone, stay out of our domestic problems'.
Lastly, it is abundantly clear by now that no tangential gains will accrue to the US-Indian strategic partnership by virtue of Delhi soldiering in the war in Afghanistan. Indeed, Washington itself is caught up in a time warp and a conceptual impasse over what constitutes the 'war on terror'.

domain: news


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Charter Foundation still going strong
Published 8:40 am Friday, August 27, 2021
VALLEY — CharterBank was sold several years ago and its former offices in West Point, Valley and LaGrange are locations for Southstate Bank. The sale did not affect the ongoing work of the Charter Foundation in the local area. Since its founding in 1995, the Charter Foundation has been a separate entity from CharterBank. The good work it does in Chambers County on the Alabama side and in Troup and Harris counties on the Georgia side goes on.
Charter Foundation Board Member Bill Gladden talked about this in a PowerPoint presentation during the noon hour on Wednesday at the Kiwanis Club of Valley.
The foundation was organized as a 501(c)(3) nonprofit with a $2 million endowment. Its current endowment is more than $7 million. The Charter Foundation has an annual budget of $300,000 and uses five percent of average assets each year.
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“I am really excited about what goes on at the Foundation,” Gladden said. “From its founding in 1954, local people were loyal to First Federal and remained loyal to CharterBank. The Foundation offered a means of giving back to the community for its long-time loyalty.”
Over the years, Charter Foundation grants have helped Point University, LaGrange College, the Chattahoochee Early Learning Academy (CELA) in West Point, exhibits at Bradshaw-Chambers County Library, a summer reading program at Goodsell Methodist Church in Lanett, the Christmas Merry Go Round in Valley, Fort Tyler, cleanups on West Point Lake and with the purchase of a new van for the EAMC-Lanier Nursing Home.
The Foundation’s Great First Impressions program is aimed at improving appearances in the local community. Grants have assisted with landscaping for Lanett’s downtown streetscape project and has helped in the repair of buildings.
Over the years, the Charter Foundation has given $1,000 scholarships to deserving local high school graduates. Students who receive these scholarships have been recommended by their counselors. In the 25 years this has been done, approximately $165,000 has been given out in scholarships to local college-bound students.
One of the Foundation’s more popular programs is community voting. It began as customer voting with CharterBank customers deciding the grant recipients. When the bank was sold, it continued on as community voting.
“Since it’s not limited to bank customers, everyone in the community can vote now,” Gladden said.
Voters must live in Chambers, Troup or Harris County. Each person can vote only once, and each ballot gets three votes. There’s a list of worthy local causes the voter can choose between. Each winning organization gets a $5,000 unrestricted grant. The most recent winners are Huguley Elementary School, the Christian Service Center and Point University.
Some of the online votes came in from unexpected places like Northern Ireland, The Netherlands and The United Arab Emirates.
“I have no idea how they got on there to vote,” Gladden said.
The most recent voting ran from June 1st to July 31.
The same organization cannot win in back-to-back years.
“If you win one year, you have to skip the next year to be eligible again,” Gladden said.
Gladden said it’s difficult to turn down grant requests. He said he’d once gotten a letter from someone who had been turned down. Perhaps they were joking but they told him something to the effect of “It is with regret that we cannot accept your refusal and expect to receive your check in the mail.”
When seeking a grant, Gladden said it’s a good idea to be specific about expected costs.
“If you are seeking playground equipment, list the cost of each item being sought,” he said. “We may can fund some but not all of the items being sought. Don’t write us a book with your requests. I don’t think you want to write something that detailed, and we may not have time to read it.”
There are two annual deadlines for grant requests. The first deadline is April 1st and the second one October 1st.
“The Charter Foundation is alive and well,” Gladden said. “We have distributed over $8.6 million since 1995 and expect to distribute $300,000 a year for the coming years. I think we have served our community well over the years.”
The grants are awarded on the second Tuesday in May and the second Tuesday in November. To be considered, grant requests must be in by April 1 and October 1. They can be emailed to: firstname.lastname@example.org or mailed to Charter Foundation, P.O. Box 5, Valley, AL 36854. Gladden offered some hints for success.
“If it’s big, talk to someone,” he said. “Ask for a meeting and get a board advocate. Give us options. If possible, break the project into pieces.”


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The Lost Manuscript: Depicts the trials the Prophet Joseph Smith and his family endured during the translation of the Book of Mormon, and Martin Harris' role in the translation, and loss of the first 116 pages.
|Ratings:||IMDB: N/A Metascore: N/A RT: N/A|
|Released:||April 01, 1972|
|Actors:||Coleman Creel David Westberg Eric Server Louise Lewis Rich Wheeler|
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domain: library


Big decision. I would like to get a 9mm full size that I could shoot regularly and use for home defense. I am considering going into IPSC and other shooting competitions. I never really considered Glocks before now because I didn't like it's slide stop lever's size or the mag release. Now that the G4's have the exchangeable back straps, larger mag release, and slide stop, it is now in the running for my next purchase. I love the M&p's ergonomics but I have heard horror stories about Smith and Wesson's reliability. I have gotten mixed reviews about the Smith but I still seem to like it better because it has a slight edge on ergo's over the Glock. The Glock is more reliable and has more parts that I can use. Does anybody have experience with the new G4's or MP's? I am flexible on other pistols or designs. Please let us know about your experiences!!!!


|Publication number||US3948811 A|
|Application number||US 05/364,749|
|Publication date||Apr 6, 1976|
|Filing date||May 29, 1973|
|Priority date||May 29, 1973|
|Also published as||US4061601|
|Publication number||05364749, 364749, US 3948811 A, US 3948811A, US-A-3948811, US3948811 A, US3948811A|
|Inventors||Jerome Francis Clary, Robert Emerson Wiley, Richard Earl Bowns|
|Original Assignee||Acheson Industries, Inc.|
|Export Citation||BiBTeX, EndNote, RefMan|
|Patent Citations (4), Referenced by (28), Classifications (27)|
|External Links: USPTO, USPTO Assignment, Espacenet|
This invention broadly relates to a new electrically conductive sheet material and composition. More particularly this invention relates to electrically conductive sheet material which is highly useful for generating heat at low voltages, for example, it finds particular utility in windshield wiper applications where the sheet in contact with the wiper blade may be heated to free the wiper when it is frozen in position during winter weather; or, it may be used in contact with the outside rear view mirror to heat same and remove ice or snow.
The state of the art is indicated by the following references: U.S. Pat. Nos. 3,099,578; 3,573,230; 2,983,624; 3,025,185; 2,968,649; 3,132,124; 3,051,677; DuPont Viton Bulletin No. 16 "Solution Coatings of Viton" by J. M. Bowman; and, DuPont's "The Engineering Properties of Viton Fluoroelastomer"; and, Acheson Industries Inc. product data sheet for "Electrodag 415. " The disclosures of these references are hereby incorporated herein by reference.
Accordingly a main object of this invention is to provide a novel electrically conductive sheet type material.
Another object of the present invention is to provide a new sheet material or product which is uniquely suitable in windshield wiper applications for applying heat to the wiper blade to free same adverse weather conditions as occur in winter from ice, snow, or freezing rain, and thus providing a considerably safer windshield wiper system.
Another object of the present invention is to provide a new flexible pressure sensitive adhesive tape sheet which is electrically conductive as herein described.
Another object of the present invention is to provide a new electrically conductive sheet product which incorporates a special combination of thermally stable fluoroelastomer polymer resin component and a conductive pigment component.
Another object of the present invention is to provide a novel heat generating product, which may be stamped out in decal form or in various patterned shapes.
Another object of the present invention is to provide a novel electrically conductive sheet material or composition which is uniquely capable of having electrical contacts soldered to its surface.
Other objects, features, and advantages of the present invention will become apparent from the subsequent description and the appended claims taken in conjunction with the accompanying drawings.
FIG. 1 illustrates an electrically conductive sheet type material in accordance with the invention;
FIG. 2 is a top view of FIG. 1;
FIGS. 3 and 4 illustrate a windshield wiper application of the invention herein, with FIG. 4 being a cross sectional view along the line 4--4 in FIG. 3;
FIG. 5 illustrates an electrically conductive sheet material in accordance with the invention herein which is made in the form of a pressure sensitive adhesive tape.
This invention of an electrically conductive sheet or heat generating sheet is capable of providing low resistance elements useful for generating heat at low voltages, such as in the range of 1-40 volts as used in battery powered devices or automotive, industrial and recreational vehicles. Also the sheet material discovered and disclosed herein in suitable and adaptable for heat generation at electrical voltages normally used for household electrical current. The sheet material herein may satisfactorily be formed on and supported by a woven or non-woven glass web or felted fabric (from which, for the highest temperature stability, it is desirable to burn off or remove the bonding and sizing material employed in its manufacture).
By providing the supporting web, the sheets formed are characterized by flexibility, strength, and mechanical stability not possessed by earlier known coatings or films. The self-supporting sheets of this invention can be fabricated and insulated for use as such or bonded to substrates.
Preferred substrates for use herein are web members available in thicknesses from about 1 mil up to approximately 20 mils. By employing the special compositions as are disclosed herein comprising heat resistant polymeric binder and conductive particles, it is possible to position or entrap controllable amounts of conductive particles on the web or within voids and interstices of the web, in such a way that the electrical resistance can be controlled, and thermally stable, mechanically strong, flexible, conductive webs or sheets may thus be formed.
The electrical resistance and the heat generating capacity is a function of the nature and the composition of the web, the pigment-binder ratio, the extent to which the sheet or web matrix is saturated, and the thickness of the web or sheet.
FIGS. 1 and 2 illustrate a preferred form of the conductive sheet prepared in accordance with the invention designated 10. The sheet 10 is made from a nonwoven glass web which has previously had bonding or sizing agents removed therefrom. A special composition 16 is impregnated into the web with the composition 16 being made from a thermally stable heat resistant polymeric binder and conductive particles. The material of the conductive sheet 16 may be uniquely receptive to having electrical leads or electrical contacts 17 and 19 soldered thereto as will be explained in more detail hereinbelow.
FIGS. 3 and 4 illustrate a windshield wiper device in accordance with the invention wherein the electrical properties of the conductive sheet herein described are utilized in conjunction with a windshield wiper 300 for the purpose of transferring electrically generated heat to the wiper 300 to heat same to free the wiper from an ice-bound condition during winter weather. The wiper 300 is suitably constructed in a known fashion utilizing for example a metal reinforcing member 302 for supporting a flexible rubber portion 304 with the wiper being supported through the reinforcing member 302 to the oscillating arm (not shown) which moves the wiper through its back and forth motion during use. As will be noted the wiper contains electrically conductive sheet 316 applied thereto which sheet 316 is formed in accordance with the invention herein. The sheet 316 is electrically conductive and is adapted to be connected with lead wires which operate to introduce electrical current to the sheet 316 for the purpose of heating the wiper in order to free the wiper from an ice-bound condition. The sheet 316 may be associated with or applied to the wiper 300 by any suitable means such as through the use of an adhesive or the like.
It should also be understood that the electrically conductive sheet 316 may also suitably to deposited in strip form to a flat surface on which the rubber wiper blade 300 comes to rest when the wiper is in its parked position. By this technique the flat surface of the electrically conductive sheet 316 would be in contact with the wiper only when the wiper was in its parked position, however, electrically conductive heat in this embodiment is still applied to the electrically conductive sheet 316 to free the wiper from an ice-bound condition so that the wiper could then move upwardly into its oscillating mode of operation for wiping the windshield of the vehicle.
FIG. 5 illustrates another embodiment of the invention herein wherein the electrically conductive sheet 16 has a pressure sensitive adhesive (PSA) coating or layer 18 applied to at least one side thereof. Numerous suitable pressure sensitive adhesives may be used for this purpose with a suitable pressure sensitive adhesive being that described in U.S. Pat. No. 2,884,126, or Monsanto Co., Gelva multi-polyer solution, RA-1753, pressure sensitive adhesive. The pressure sensitive adhesive preferred is a high temperature resistant acrylic or silicone type. Said patent also describes different techniques for applying the pressure sensitive adhesive 18 to backing support such as the electrically conductive sheet 16. Application of the pressure sensitive adhesive is suitably carried out by knife coating, roller coating, dry transfer coating, or semi-wet transfer coating.
Electrically conductive sheet 16, as shown in FIG. 1 may also be applied to one surface of a double adhesive sided pressure sensitive adhesive tape to obtain a conductor which may be applied to any substrate surface is a convenient fashion. The electrical contacts may then be soldered at the desired points. This construction may then be insulated by covering it with another pressure sensitive adhesive tape. Also by applying pressure sensitive adhesive tape to either side of the sheet 16 insulated sheet heating elements or resistive members can be obtained. Electrical resistance may be adjusted to desired level by altering the conductive particles, the pigment-binder ratio, and the shape of the conductor.
The fluoroelastomer and the silicon elastomer materials used herein should be present within the broad range of about 5 to about 90% by weight of the coating solids and preferably from about 5 to about 80% by weight. The fluoroelastomer or the silicone elastomer materials provide the special function of endowing the coating with high thermal stability, that is, stability at temperatures of about 400°-700°F and higher. The fluoroelastomer material used in the invention should be one which provides this high thermal stability while at the same time possessing the property of being able to operate as an effective binder. Particularly suitable materials for use as the fluoroelastomer herein may be described as vinyl/olefinic fluoroelastomeric polymers, vinyl-fluorocarbon elastomeric copolymers, vinylidene/fluoro-olefinic elastomeric polymers, and C2 -C4 olefinic/fluorocarbon elastomeric polymers. A preferred material is the vinylidene fluoride/hexafluoropropylene copolymer fluoroelastomer. Commercially available fluoroelastomers which may be used are Viton A or B, (DuPont trademark) and Fluorel FC-2170 or KF-2140 (3 M Company trademark). Still further fluoroelastomers which may be used herein are described in U.S. Pat. Nos. 2,968,649, 3,051,677, and 3,172,124, the disclosures of which are incorporated herein by reference. A commercially available silicone elastomer for use herein is Union Carbide Silicone product KS-1315. The preferred silicone elastomeric resin should be high temperature resistant and have a stable pot life in admixture with other ingredients of the composition.
The conductive particles or pigment for use in the sheet or coating should be present within the broad range of about 10 to about 95% by weight of the total solids of the coating and preferably this range should be from about 20 to about 95% by weight. Suitable particles or pigments for use in the coating are various finely particulated pigments such as silver particles, copper particles, graphite, conductive carbon, silver coated particles, noble metals and alloys thereof. Silver or silver coated particles are preferred for the formation of highly conductive sheets. With conductive carbon the percentage range would normally be 20- 30% and with silver it would normally be 85-95%. Compositions incorporating metallic conductive particles are wetted by conventional soldering alloys.
The silver pigment preferably employed is a silver powder having for example a mesh size of about 90% through 325 mesh; and an apparent density of about 16-32 grams per cubic inch (Scott volumeter).
Impregnation of the web with conductive material is achieved by the use of paint-like compositions which include the pigment particles and the binder in suitable solvents. The fluid or pasty composition is applied to the web and then dried and cured.
Solvents which are suitable for the compositions are those which are compatible with and also act as solvents for the fluoroelastomer constitutent.
The percentage of metallic conductive pigment particles required in this coating composition should be above the minimum levels as generally described above in order to obtain coatings to which solder will adhere readily and to provide suitable conductivity. This is a function to some extent of the particle size and shape of the silver particles, and the particular fluoroelastomer material being used. When the conductive particle content, such as the silver particles, is over 95% the coatings lose integrity and adhesion.
The fluid carrier material used for forming solutions or dispersions of the coating material may satisfactorily be selected from any number of different compatible solvents and blends thereof such as methylethyl ketone, acetone, various other ketone or ester type solvents, dimethylformamide, and numerous other organic solvent materials or water. The coating compositions may suitably have total solids contents between about 1 and 80% by weight. The carrier fluid is driven off or evaporated to leave the dry coating bonded within or on the web.
A curing agent may optionally be used in the coating. For this purpose various amino type curing agents and peroxide curing agents and the like may be used.
The web may be any flexible porous inorganic fibrous material. Among commercially available web materials are Nomex (Dupont) and Craneglas (Crane & Co. Inc.).
Resistance character of coatings such as may be applied to a web is evaluated by forming dried coatings under uniform conditions, upon which the electrical resistance measurements can be made. Measurements herein have been made on a coating after curing for 10 minutes at 300°F.
The electrical resistance was measured using a special fixture which gave data in ohms per square. The resistance measurement was made with a suitable precision milliohmmeter.
The following are example coatings with which a glass type paper web may be impregnated to form sheets suitable for generating heat with applied voltage.
______________________________________ Example Example Example 1 2 3______________________________________Silver Powder 90.91 93.35 71.49*Fluoroelastomer No. 1 9.09 6.65 28.51Methyl Ethyl Ketone 62.33 23.34 240.42Resistance ohms persquare at 1 milthickness. 0.19 .152 1.7 Example Example Example 4 5 6______________________________________Silver Powder 93.35 93.35 90.32*Fluoroelastomer No. 2 6.65 No. 3 6.65 9.68Methyl Ethyl Ketone 66.68 66.68 77.42Resistance ohms persquare at 1 milthickness .3 .15 .23 *Note No. 1 = Viton B (DuPont) No. 2 = 3 M's FC-2170 No. 3 = 3 M's KF-2140
Example 7Silver Powder 90.50Union Carbide Silicone Rubber(U S 1315 at 35% Solids 9.50Xylol 87.00Lubrizol 500 R(Dicumyl Peroxide) 0.68Resistance ohms persquare at 1 mil thickness 0.20______________________________________
Using the material from Example No. 1 a 5 mil sample of glass paper (Craneglas) from Crane Co. was coated by passing the web through a bath of the Example No. 1 coating and then through a squeegee to a heating oven.
This is a typical "spreader" squeegee operation as is common in the tape or paper industry. Impregnation occurred and the sheet was cured for an equivalent time of 10 minutes at 300°F.
With 5 mil paper the average resistance was 0.008 ohms per square.
The procedure of Example 8 was repeated impregnating 3 mil thick glass paper using a reduction of one part of solvent (MEK) to four parts of Example No. 1 material. The average resistance of the sheet produced was 0.043 ohms per square.
While it will be apparent that the preferred embodiments of the invention disclosed are well calculated fulfill the objects above stated, it will be appreciated that the invention is susceptible to modification, variation, and change without departing from the proper scope or fair meaning of the subjoined claims.
|Cited Patent||Filing date||Publication date||Applicant||Title|
|US2559077 *||Jul 1, 1946||Jul 3, 1951||Howard W Johnson||Resistance element and method of preparing same|
|US2730597 *||Apr 26, 1951||Jan 10, 1956||Sprague Electric Co||Electrical resistance elements|
|US2783405 *||Feb 24, 1953||Feb 26, 1957||James Lanham Michael||Dynamo-electric machine brush|
|US2991257 *||Jan 18, 1957||Jul 4, 1961||Chemelex Inc||Electrically conductive compositions and the process of making the same|
|Citing Patent||Filing date||Publication date||Applicant||Title|
|US4534886 *||Jan 15, 1981||Aug 13, 1985||International Paper Company||Non-woven heating element|
|US4928344 *||Apr 18, 1988||May 29, 1990||Bliss William R||Electrically heated wiper blade utilizing fibrous carbon heating element|
|US5008136 *||Aug 17, 1989||Apr 16, 1991||Rolls Royce Plc||Temperature indicating paint and method of preparing a specimen with the same|
|US5061566 *||Dec 28, 1989||Oct 29, 1991||Chomerics, Inc.||Corrosion inhibiting emi/rfi shielding coating and method of its use|
|US5221828 *||Jul 16, 1992||Jun 22, 1993||General Motors Corporation||Heated wiper blade using conductive elastomer|
|US5284888 *||Oct 28, 1991||Feb 8, 1994||Chomerics, Inc.||Corrosion inhibiting EMI/RFI shielding composition and method of its use|
|US5423105 *||Jun 8, 1994||Jun 13, 1995||Scott; Albert J.||Windshield wiper blade|
|US5655251 *||Jun 7, 1995||Aug 12, 1997||Dileo; Frank||Windshield wiper assembly having electric heating elements|
|US5799390 *||May 21, 1997||Sep 1, 1998||Dileo; Frank||Method of installing a windshield wiper assembly having an electric heating circuit|
|US6121359 *||Dec 14, 1998||Sep 19, 2000||Shin-Etsu Chemical Co., Ltd.||Conductive fluoro-resin compositions|
|US7242573||Oct 19, 2004||Jul 10, 2007||E. I. Du Pont De Nemours And Company||Electroconductive paste composition|
|US8304068||Nov 6, 2012||Adm21 Co., Ltd.||Composition for coating wiper blade rubbers, coating method using the same, and wiper blade rubbers made therefrom|
|US9004404 *||Jan 6, 2009||Apr 14, 2015||Airbus Operations Limited||Aerodynamic sealing member for aircraft|
|US9394997 *||Jan 8, 2015||Jul 19, 2016||Airbus Uk Limited||Aerodynamic sealing member for aircraft|
|US20040211943 *||Oct 9, 2002||Oct 28, 2004||Masahiro Okahara||Coating material for fuel cell separator|
|US20050081758 *||Apr 9, 2003||Apr 21, 2005||Labor Grieder||Adjunct for improving the bioenergetic properties of mineral building materials|
|US20060082952 *||Oct 19, 2004||Apr 20, 2006||Toshiaki Ogiwara||Electroconductive paste composition|
|US20090047475 *||Feb 29, 2008||Feb 19, 2009||Sun Mi Jeon||Composition for coating wiper blade rubbers, coating method using the same, and wiper blade rubbers made therefrom|
|US20090151108 *||Dec 13, 2007||Jun 18, 2009||Von Stach Marketing Group Inc.||Heated Wiper Blade Assembly|
|US20090184208 *||Jul 23, 2009||Airbus Uk Limited||Aerodynamic sealing member for aircraft|
|US20150144741 *||Jan 8, 2015||May 28, 2015||Airbus Operations Limited||Aerodynamic sealing member for aircraft|
|USRE30274 *||Apr 21, 1978||May 13, 1980||General Electric Company||Method for making a circuit board and article made thereby|
|USRE31411 *||Jun 7, 1978||Oct 11, 1983||General Electric Company||Radiation curable inks|
|USRE40519 *||Sep 19, 2002||Sep 23, 2008||Shin-Etsu Chemical Co., Ltd.||Conductive fluoro-resin compositions|
|EP0923084A1 *||Dec 10, 1998||Jun 16, 1999||Shin-Etsu Chemical Co., Ltd.||Conductive fluoro-resin compositions|
|EP1650768A1 *||Oct 19, 2005||Apr 26, 2006||E.I. du Pont de Nemours and Company||Electroconductive paste composition|
|WO1998025780A1 *||Dec 4, 1997||Jun 18, 1998||Metzeler Automotive Profiles Gmbh||Heatable rubber body|
|WO2003087009A1 *||Apr 9, 2003||Oct 23, 2003||Labor Grieder||Adjunct for improving the bioenergetic properties of mineral building materials|
|U.S. Classification||252/514, 15/250.07, 219/543, 252/511, 15/250.06, 15/250.48, 219/203|
|International Classification||H01B1/24, H05B3/84, B60S1/38, C08K3/08, H01B1/22|
|Cooperative Classification||Y10T428/3154, C08K3/08, Y10T428/28, B60S2001/3836, B60S2001/3829, H05B2203/031, H01B1/22, H01B1/24, H05B3/84, B60S1/3805|
|European Classification||C08K3/08, H01B1/22, H05B3/84, H01B1/24, B60S1/38B2|


Bi-County Health Department reports 56 new COVID-19 cases
FRANKLIN & WILLIAMSON COUNTIES, Ill. (KFVS) - The Franklin-Williamson Bi-County Health Department has been notified of 56 new cases of COVID-19 in the region.
Franklin County have 20 new cases, and Williamson County has 36 new cases.
There have been a total of 2,026 laboratory confirmed positives in Williamson County and 1,081 laboratory confirmed positives in Franklin County, including 62 deaths in Williamson County and 11 deaths in Franklin County.
Of the positive cases, 1,198 have recovered in Williamson County and 562 have recovered in Franklin County.
Copyright 2020 KFVS. All rights reserved.


text:
Point Plaza Suites And Conference Center is a 3-star property only 3.0 km from Mariners Museum, Virginia Living Museum and USS Monitor Center. The hotel was built in 1969 and refurbished in 2011.
The venue is notable for the convenient location within a 10-minute drive to Newport News/williamsb airport.
It offers designer rooms equipped with satellite TV, free Wi-Fi, a kitchen, a dressing area and a laptop-size safe and kitchens with a microwave, a cooktop and a stove. They provide bathrooms with a bathtub, a hairdryer and a shower.
Eat & Drink
The dining options include a hot hot buffet breakfast served daily. Point Plaza Suites And Conference Center is about 5 minutes’ walk from Chic N Fish serving korean and italian dishes.
The property offers a baggage storage, free parking and an elevator along with a meeting room, a business center and a catering service.
A wellness center and a sauna are available for guests' relaxation.
Wireless internet is available in the entire hotel for free.
Free public parking is possible at a location nearby.
Year renovated: 2011.
Number of floors: 4.
Number of rooms: 150.

domain: travel


text:
The Nigerian Army on Thursday offered free medical services to no fewer than 4,000 persons in Birnin Yero community,Igabi Local Government Area of Kaduna State.
The medical outreach was part of the Chief of Army Staff’s (COAS) First Quarter Conference and Combat Arms Training Week,2019.
It was organised by 1 Division of the Nigerian Army Kaduna in collaboration with Nigerian Army Medical Corps.
The Chief of Army Staff, Lt–Gen. Tukur Buratai, led Nigerian Army Medical Team to the community on Kaduna-Zaria Road to provide the rural dwellers medical services.
The medical services covered gynaecology, distribution of treated mosquito nets and eye glasses, dental services, visual testing and diabetes screening.
Others were glaucoma, tuberculosis and hypertension screening as well as laboratory services and malaria treatment.
Speaking on behalf of the beneficiaries, District Head of Rigachikun, Malam Abdulrasheed Sani, thanked the Army Chief for the gesture and appealed for such to be replicated in neighbouring communities.
Sani attributed the peaceful coexistence being enjoyed in the community to the efforts of the 1 Division of the Nigerian Army Kaduna and urged them to sustain the tempo.


text:
LEGO City Race Boat (60114). Rev up the engines in the Race Boat and get ready for the big race. Skim over the water as fast as you can, but look out for the buoys ahead. Race to win in LEGO® City! The LEGO City Race Boat Building Toy Set 95 Pieces - 60114 Features: Includes a race boat driver minifigure Features a Race Boat with streamlined design, removable cockpit windshield and big engines Grab the Race Boat and go racing with your friends Accessory elements include 2 buoys (1 red, 1 green) and a life preserver Race Boat measures over 1 Inch high, 5 Inch long and 2 Inch wide The LEGO Group is the leading construction toy manufacturer in the world. The LEGO set is a standard of creative play for children worldwide, unlocking the creativity to build vehicles, buildings, cities and more. Shop the huge selection of LEGO sets, exclusives, storage, accessories and more available at Toys R Us in our LEGO Brand Store ! Toys > Category > Building Blocks, LEGO Toys > LEGO > LEGO CITY. Toys & Games > Toys > Art & Drawing Toys > Toy Craft Kits.
* This offer may contain time-sensitive information and offers. Please check with Toys"R"Us to confirm actual price & availability.

domain: entertainment


text:
St. German’s Road
12 December 2019
Thank you for your email of 29th November requesting information under the Freedom of Information
Act 2000. Please see the responses to each of your questions below:
1. Whether a candidate's personal statement (which is submitted through UCAS) is considered
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If the personal statement is assessed by the admissions team:
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assessing the candidate's personal statement; 3. Whether a candidate's personal statement is
given a score or grade of any kind; 4. The weighting attached to the aforementioned score or
grade (e.g. 20%); 5. A list of personal statement scores given to offer holders who had applied
for undergraduate study in law at your university in the 2018/2019 admissions cycle (and thus
received offers for either 2019 direct entry or 2020 deferred entry).
Information regarding the use of personal statements in our admissions process are available on our
website here: http://www.exeter.ac.uk/undergraduate/applications/assessapplication/. T
you have requested is therefore exempt from disclosure under section 21 of the FOIA.
This response has been prepared in accordance with a request received pursuant to the Freedom of
Information Act 2000. The supply of documents under FOI does not give the person who receives the
information an automatic right to re-use the documents without obtaining the consent of the copyright
holder. If you are dissatisfied with the handling of your request, you have the right to ask for an
internal review. You must submit this to the Information Governance Office in writing within 40 days of
receipt of this notification. Please quote the reference number above.
If you are not content with the outcome of the internal review, you have the right to apply directly to
the Information Commissioner for a decision. The Information Commissioner can be contacted at:
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
University of Exeter

domain: law


BF flotation cell has two types: type I and type II. Type I is improved as suction cell referring to model SF; type II is improved as direct flow cell referring to model JJF.
Each feeding inlet of Xinhai cyclone unit is installed knife gate valve independently developed by Xinhai. This valve with small dimension reduces the diameter of cyclone unit.
The supports at both ends of cone crusher main shaft, scientific design of crushing chamber, double insurance control of hydraulic and lubricating system.
Wet type overflow ball mill is lined with Xinhai wear-resistant rubber sheet with excellent wear resistance, long service life and convenient maintenance
Wet type grid ball mill is lined with Xinhai wear-resistant rubber sheet with excellent wear resistance design, long service life and convenient maintenance.
Ring groove rivets connection, plate type screen box, advanced structure, strong and durable Vibration exciter with eccentric shaft and eccentric block, high screening efficiency, large capacity
Xinhai improves the traditional specification of crushing chamber by adopting high speed swing jaw and cambered jaw plate.
High-speed hammer impacts materials to crush materials. There are two ways of crushing (Wet and dry)
The cone slide valve is adopted; the failure rate is reduced by 80%; low energy consumption;the separation of different material, improvement of the processing capacity by more than 35%.
Cylindrical energy saving grid ball mill is lined grooved ring plate which increases the contact surface of ball and ore and strengthens the grinding.
20-30%. Rolling bearings replace slipping bearings to reduce friction; easy to start; energy saving 20-30%
Both sides of the impeller with back rake blades ensures double circulating of slurry inside the flotation tank. Forward type tank, small dead end, fast foam movement
Mar 19, 2017 It is screen analyzed and packed by shaking in a 1000-cc graduated cylinder, and the weight of 700 cc is placed in the mill and ground dry at
Dec 23, 2017 Steel Head Ball Mills; Steel-Head Rod Mills; Quotation on a Ball Mill the grinding mill be used in closed circuit with a screen, if a coarse ball or rod mill depends upon weight of grinding charge, mill speed, and liner design.
Apr 1, 2018 Common types of grinding mills include Ball Mills and Rod Mills. . Makes possible the use of wet screening or classification for close product control. . mill provides a greater weight of balls per unit of mill weight and gives
The Bond Ball Mill Work Index is a measure of the resistance of the material to grinding in It is a locked cycle test conducted in closed circuit with a laboratory screen. When a JK Drop Weight Test is also being carried out, sufficient sample
Rubber liners physical density is only about one-sixth of manganese steel, it greatly reduces the weight of ball mill, so when the rubber lining ball mill works,
Only the single-tube eccentric vibrating mill of Sieb- the counter weight Grinding-media as balls, rods or Cylpebs in the most . scroll-screen centrifuges.
standard drop weight device is fitted with a 20 kg mass dry grinding and screening process, which is carried weight of ball mill product passing sieve size Pj.
The AutoCharge™ system, maintains a constant grinding ball load which prevents Precious Metal Recovery Screening Pumps & Valves Thickening . balls into the mill according to control parameters such as power draft, ball wear speed, The AutoCharge weight-based counter is particularly applicable to small ball
A ball mill is a type of grinder used to grind and blend materials for use in mineral dressing . Ball mill. Rod mill IsaMill. Sizing. Ore sorting Vanning Hydrocyclone Trommel Cyclonic separation Mechanical screening Concentration.
MSTs metal milling process includes grinding, screening, & blending. Our 3 Ball mills have capacities of up to 6000 lbsday. Ball milling starts with a sample of
Grindability index: Select mill feed material Specify material grindability index Mill feed material: Shale ash Performance calculator for ball mills based on dry milling method Screening residue, screen No. Specify grinding media weight
Apr 26, 2016 Abstract: Standard drop weight, SMC, and Bond ball work index . This ball mill was filled with 285 steel balls total weight of 20.125 kg .. where K2 is 1.0 for all crushers operating in a closed circuit with a classifying screen.
Though the grinding of FA in the planetary ball mill was studied in details to planetary ball mill and weight fraction of unbroken feed in 120-mesh screen [i.e.,
The Planetary Ball Mill PM 100 CM is a convenient benchtop model with 1 innovative counter weight and imbalance sensor for unsupervised operation; gentle
Pilot-scale crushing and screening from -150mm to -6mm also provides specialised bench scale test work services related to ball mills weight and SMC.
trommel screen produces two over and under size materials which the oversize part is circulated into SAG mill and undersize Keywords: Miduk Copper Concentrator, SAG Mill, Ball Filling Percentage the weight of ball part and stony part,.
MSK-SFM-13S is a benchtop high throughput planetary ball mill designed to achieve Large touch screen controller allows easy programming for multi-steps Must place 4 jars or 2 in symmetrical with similar weight in the ball mill to keep
The F.C. Bond Ball Mill is a small universal laboratory mill used in calculating the IS THE NUMBER OF NET GRAMS OF SCREEN UNDERSIZE PRODUCED PER 285 balls, consisting of approximately equal weights of various size balls.
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In honor of Autism Awareness Month, Turning Pointe Autism Foundation held their inaugural film festival. The non-profit teamed up with Docademia to bring the reality of living with autism to the screen, through two films.
“One of the best ways to create awareness is connection, and I think we can all agree now that film and video is one of the best ways we all connect. So the idea of a film festival was fun,” said Carrie Provenzale, the executive director at Turning Pointe.
What Films Were Presented at The Film Festival?
The videos depict the real-life issues faced by two young men on the spectrum.
“They’re going to show you how any person is capable of doing something that he or she is passionate about,” said Nassim Abdi, CEO of Docademia. “And showing how capable you can be regardless of what society or situations [try to define you as].”
‘The Pleasing List’ follows Jonathan Carlander as he goes on a first date. The film shows the struggles those with Asperger’s Syndrome may have in a crowded place.
The second film was ‘A Life With Asperger’s’. The animated documentary portrays the life of Emmett Goodman, and how he’s had to overcome anxiety and social isolation.
Goal of the Films
Goodman hopes by sharing just some of his story, he can break through some barriers and bring people into his world with a better understanding.
“You can grow up to live an independently fulfilling life and that’s probably the things I’m most proudest of life with Asperger’s,” said Goodman.
Naperville news 17’s Christian Canizal reports.

domain: sociology


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ALL >> Travel >> View Article
Renwal At Barcelona
Total Articles: 9
It is the second most important city in Spain coming second only to Madrid. Being such a beautiful city, there is a lot that you can get to enjoy in the area. It is a very inviting city with so many amazing sceneries that can only be appreciated when one visits this area. The architectural works and artwork as well as the culture are some of the things that make the region so great. Famous artists lived in this area and their legacy is still very much alive to date.
There are many museums such as the national museum where you can get to really appreciate the different works of art that have been created over the years. Pablo Picasso is one of the artists whose works have been so well covered.
There are also many buildings of interest in the area. They are geometric in their nature and these are attractions by their own right. There are many features that make Barcelona a very unique destination especially when we try to compare it with other city destinations. Gaudi, Dali and Miro are some of the other artists whose woks can be seen all over the region. The creativity of such bright minds still moves the hearts of many and we can truly say that the art outlives the artists. There are also contemporary and modern designs that relate to architecture and art all over the region. It can be called a center where art comes to life and this you will notice straight from the designs of the streets and the town center.
One of the areas where one should never miss while in Barcelona is las Ramblas street. It is one of the most fascinating shopping centers in the area. Most people visit las Ramblas so as to really enjoy their shopping holidays in the area. There are cafes as well as restaurants in the region and they are all suitable for persons who are in Barcelona for holiday as you get to really enjoy the local dishes from this point. There are so many brands that exist in this region that are designed to really attract the shoppers. These are local and international brands. Barcelona is one of the regions where you can visit some of the biggest chain stores in the country and appreciate great variety.
Barcelona is also a great destination for party beasts. The nightlife is pretty lively in the region and you really get to appreciate the clubs and discotheques that are all round. There are also tapas bars and moving around enjoying the nightlife is a great activity to indulge in with friends.
If you are looking for a luxurious villa for holidays and Get more information on ferienhäuser in spanien .
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(Image credit to: inquisitr.com)
While some women would kill to have figures like those Kate Moss or Nicole Kidman, there are men who hanker after the chiselled muscularity of soccer superstar David Beckham and actor Daniel Craig.
Recently, Harvard researchers reported the results of the first national study of eating disorders in a population of nearly 3,000 adults and found that 25 percent of those with anorexia or bulimia and 40 percent of binge eaters were men.
The surprising high number of men binge eating is not reflective of the numbers seeking help. In fact, there are hardly any male celebrities who have come forth about it, other than actor Dennis Quiad.
See here for more accounts by male sufferers.


The Morgan 4/4 is a British motor car which has been produced by the Morgan Motor Company since 1936. It was Morgan’s first car with four wheels, the name indicating that the model has four wheels and four cylinders (earlier Morgans had been three-wheelers, typically with V-twin engines).
The Morgan Motor Company is a British motor car manufacturer owned by Italian investment group Investindustrial. It was founded in 1910 by Henry Frederick Stanley Morgan.
Morgan is based in Malvern Link, an area of Malvern, and employs approximately 220 people. Morgan produce 850 cars per year, all assembled by hand.
The waiting list for a car is approximately six months, but has sometimes been as long as ten years.
Morgan cars are unusual in that wood has been used in their construction for a century, and is still used in the 21st century for framing the body shell.
A visitor centre and museum have exhibits about the company’s history from Edwardian times until the present day, developments in automobile technology, and a display of automobiles. There are also guided tours of the factory.
Four cylinders, 1498 cc.


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February 17, 2011
Agriculture Secretary Tom Vilsack presented before the U.S. House Committee on Agriculture today, praising 2010 as a record-setting year of success for agriculture.
"These are good times for American agriculture," he said. U.S. farm exports reached an all time high in 2010, both in value and volume. Vilsack projects 2011 will be a new record, forecasting a $41 billion agricultural trade balance.
Vilsack said conditions for credit are improving, with loans increasingly available for farmers across the country except in areas dominated by poultry, livestock and dairy production.
USDA's proposed 2012 budget cuts discretionary funding to $24 billion, down by $2 billion from the agency's 2011 request.
Farm real estate values rose by 3 percent in 2010 to a record level of $1.8 trillion, an upward trend Vilsack expects to continue. He took note of the challenges that accompany high-value land and said, "I hope that moving forward we can work to confront this issue and others as we look to grow the next generation of farmers, ranchers and producers. This may mean a solution based on sweat equity, or another way to provide credit to those who wish to farm in this country." As farming and open space advocates in California fight to keep the Williamson Act funded through Gov. Jerry Brown's proposed budget cuts, increasing real estate values pose an unusual challenge. The Williamson Act taxes farmland based on its productivity, rather than its assessed value, in to keep farming competitive with selling acreage to developers.
"For the good of our environment, the quality of life we all enjoy, the relatively low cost of food, and for the American economy as a whole, we must keep farmland as farmland – and farmers on the farm," said Vilsack.

domain: finance


Ever gone to the bank when there was only one teller available to help customers? As long as the bank stays relatively empty, everything proceeds smoothly. But as soon as a group of customers gets in line, things begin to seriously slow down.
Banks don't always have the manpower to compensate for these crowds. But digital signage solutions like the ones being used in South Africa could allow banks to make the system more efficient, and the wait times more bearable.
The system is relatively simple. Every time a customer enters the bank, that person is assigned a number. When a teller is available, the video walls display the number and call out a voice prompt. In addition, the screens display queue times to estimate when the holders of each number will be served.
"Customer wait-times and the in-branch experience are very important metrics for retail banks," Charl Nel, head of communications for Capitec, told Digital Signage Today. "We saw that we could improve performance in both respects by providing real-time information allowing clients to assess their likely wait-time and even decide to return later without losing their place in the queue."
By offering customers more information about when they may receive service, the banks will ultimately be reducing inconvenient crowding at their branches. All it takes is an investment in some high-quality digital signs and video splitters.


ROB Quiney has reacted with good grace to the revelation that he was selected, in part, as a human shield for Phillip Hughes against South Africa.
On the day Hughes made the most of his third coming as a Test batsman, with 86 on the opening day of the series against Sri Lanka in Hobart, Quiney reflected that he could have ended the argument by making a similar impression in his two Tests against the Proteas.
In choosing Hughes to fill the void left by Ricky Ponting's retirement for the Sri Lanka series, national selector John Inverarity explained that Hughes was not recalled sooner, for South Africa, because the panel regarded him as a long-term prospect and did not want to feed him to the wolves against the world's best attack.
"Rob Quiney is a wonderful man, I think he was very grateful for the opportunity, and who knows what's round the corner. He's not one to hold grudges or think he's hard done by," added Inverarity.
The Victorian batsman, who was dropped after a whirlwind nine at the 'Gabba and a pair of ducks, both from fine edges, in Adelaide, said he was not bothered about the circumstances of his selection.
"All I know is I got a chance to play for Australia, I was thrilled to, and unfortunately I didn't take my opportunity. It doesn't matter if we were playing South Africa, Sri Lanka, Zimbabwe, anyone, it was Test match cricket. I got a go and if I had made the most of it we wouldn't be having this conversation."
Quiney has struggled since returning to domestic cricket and was deprived of time at the crease by rain when the Melbourne Stars defeated Perth Scorchers by 10 wickets in bizarre finish at the WACA Ground on Wednesday night.
Scorchers captain Simon Katich on Friday was fined $1250 for abusing the umpires when the teams were called back onto the field after the rain - the home team felt the field was not fit for play - and again when the Stars were declared winners after Quiney allowed the first ball after the resumption to pass through to the 'keeper.
Quiney said the players were still confused about the process for deciding games when fewer than five overs per side have been completed.
Stars captain Shane Warne, who felt his hamstring "grab" in Perth, is expected to be fit for Saturday night's match against Hobart at the MCG, which could also be threatened by showers and thunderstorms.
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FrontPage Magazine has an in-depth look inside Media Matters for America, the “progressive” political outfit that’s become quite well known for their vitriolic attacks against anyone who doesn’t toe their party line. FrontPage notes that Media Matters is acting as Hillary Clinton’s personal media attack dogs, and how those political concerns played into their decision to flog the Don Imus story into a national frenzy.
It’s always interesting to note how Hillary used to decry the “vast right-wing conspiracy,” and yet she’s using the same tactics that she claimed the Right used in her quest for political power. The web of allied organizations from George Soros’ Open Society Institutes (as well as support of MoveOn.org, another group with deep ties to the Clintons) and John Podesta’s Center for American Progress which forms Hillary Clinton’s personal shadow cabinet.
The problem with Media Matters for America and the rest of these web of left-wing “think tanks” is that they’re not think tanks at all. They’re not driven by policy, they’re driven by politics. They are essentially cargo cult versions of right-wing institutions such as The Heritage Foundation, but designed not to advance a particular message but be the personal attack dogs of left-wing candidates. Media Matters, for instance, is so stridently partisan as to be unmistakable as anything but a political organization — so much so that they frequently seem to skirt the edge of what a 501(c)(3) organization can do.
Granted, any group of like-minded philanthropists is likely to have connections to a whole host of like-minded groups — that sort of analysis doesn’t prove anything. However, given that all of these organizations seek to advance political rather than policy objectives is telling. Media Matters is not a media watchdog, they’re a group of pit-bulls for hire, part of an attempt by liberal political operatives to create a left-wing analogue of the Right — but not the Right as it actually works, but the Right as they see it — which is why these organizations won’t have much impact once Hillary Clinton’s political future ends.
The reason why right-wing think tanks have been so successful is that they try to stay out of the political fray as much as possible. They’re not in it to support candidates or bash “the other side” but to advance a particular agenda and support that agenda with hard evidence and intellectual arguments. The left, for the most part, doesn’t follow suit. They’re more stridently ideological, less rigorous, and infinitely more political. It’s also why this movement won’t last — temporal politics are constantly shifting, and the “progressive” movement is simply the same old liberalism with a new veneer. It isn’t that their cannot be a legitimate and long-lasting left-wing think tank in this country — the Brookings Institution is a long-standing and very well respected center-left think tank, and the Institute for Policy Studies has been in existence for decades. The problem is that when what should ostensibly be an institute for the study of policy starts getting involved in politics, they lose all pretense of objectivity. Media Matters never even had the pretense, and while they managed to score one scalp with the Imus firing (which happened to hurt Democrats more than Republicans), the reality is that its clear even to other Democrats who pays their bills and why they’re not watchdogs but lapdogs who bark furiously at anyone who dare say an unkind word to their master.


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domain: biology