TSX lower amid mixed earnings from banks Fed concerns

Canadian stocks were lower Thursday, pressured by the financial sector as the latest batch of earnings from Canada’s big banks disappointed, giving traders an excuse to take some more profits from a sector that has delivered sold returns all year.The S&P/TSX composite index fell 67.21 points to 13,237.71 with extra selling pressure coming from mining stocks amid falling commodity prices.The Canadian dollar was down 0.07 of a cent to 93.58 cents US.Toronto-Dominion Bank (TSX:TD) had $1.622 billion of net income in the fourth quarter, up from $1.597 billion a year ago. On an adjusted basis, TD earned $1.90 per share, up from $1.83 in the fourth quarter of 2012 but nine cents less than analysts had expected. TD also raised its dividend by a penny to 86 cents a share and a two-for-one stock split effective early next month. Its shares fell $1.80 to $99.95.Most of TD’s major units showed increases but net income from wholesale banking fell by 61 per cent to $122 million from a year earlier, due to lower security gains and higher non-interest expenses.Royal Bank of Canada (TSX:RY) had $2.119 billion of net income in its fiscal fourth quarter, an 11 per cent increase from last year. Adjusted diluted earnings per share was $1.42, four cents higher than analysts had forecast. Its dividend remains unchanged. But its shares fell 66 cents to $68.34 as Barclays analyst John Aiken pointed to both the wealth management and retail banking divisions as performing weaker than he expected.RBC also announced that Gordon Nixon intends to retire effective Aug. 1, 2014, after 13 years as president and chief executive.CIBC (TSX:CM) made $836 million in net income in its fiscal fourth quarter, down from $852 million in the same period last year. After adjusting for one-time items, earnings were $2.22 per share, seven cents ahead of estimates and up 8.8 per cent from a year ago. Revenue of $3.2 billion fell short of estimates of $3.26 billion and its shares slipped seven cents to $89.98. A dividend increase had been expected but its dividend was unchanged .U.S. indexes were lower on concerns about what the Federal Reserve will do with a key stimulus measure grew in the wake of more positive economic data.The Dow Jones industrials lost 22.03 points to 15,867.74 amid further positive news on the U.S. jobs front a day before the release of the government’s employment report. The Labor Department reported that applications for jobless benefits, which are a proxy for layoffs, dropped 23,000 last week to 296,000.Other data out Thursday morning showed that U.S. gross domestic product for the third quarter was revised upward to an annualized rate of 3.6 per cent from 2.8 per cent.The Nasdaq declined 1.84 points to 4,036.16 and the S&P 500 index was down 3.79 points to 1,789.02. Expectations for job creation in the government employment report moved higher after payroll firm ADP reported Wednesday that the private sector added 215,000 jobs last month. Prior to that report, markets had expected job creation of about 183,000.But while a stronger report would be welcomed as another sign of an improving economy, it would also raise concerns that the Federal Reserve is getting close to cutting back on its US$85 billion of monthly bond purchases, a program that has kept long term rates low and supported a strong equity market rally this year.On the TSX, the TSX financial sector was down 0.65 per cent. The component has been a drag this week as investors were also unimpressed with earnings from Bank of Montreal (TSX:BMO) and National Bank (TSX:NA). Still, the TSX financial sector started this week up more than 20 per cent year to date. Scotiabank (TSX:BNS) posts earnings on Friday. Its shares fell 76 cents to $62.94.The gold sector fell 2.2 per cent as December bullion fell $23.10 to US$1,224.10. Goldcorp (TSX:G) fell 63 cents to $22.30.Traders also looked to Barrick Gold (TSX:ABX) a day after Peter Munk announced he will retire next year from the board of the world’s largest gold producer. Former Goldman Sachs executive John Thornton, who has shared the chairman’s duties with Munk since 2012, will be named chairman. Its shares fell 13 cents to $16.59. Munk’s departure is part of broad changes at the gold miner, including the hiring of a chief operating officer and the nomination of four new independent directors.Metals were lower as March copper declined three cents to US$3.22 a pound after the American jobs data, along strong housing and trade reports, helped push the metal up eight cents on Thursday. The base metals sector fell 0.9 per cent and HudBay Minerals gave back 14 cents to $7.70.The energy sector declined 0.3 per cent while the January crude contract on the New York Mercantile Exchange gained 33 cents to US$97.53 a barrel. Suncor Energy (TSX:SU) gave back 38 cents to $36.72.In other earnings news, Dollarama Inc. (TSX:DOL) says its third-quarter overall sales increased by 14.2 per cent to $522.9 million while comparable-store sales were up 4.8 per cent. Net income was $61.7 million, up from $51.48 million a year earlier, while diluted earnings per share for the Montreal-based discount retail chain rose to 87 cents per share from 68 cents. Its stock fell $1.60 to $85.50. read more

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Turkey UN global experts warn against criminalizing independent medical care in emergencies

“If adopted, Article 33 will have a chilling effect on the availability and accessibility of emergency medical care in a country prone to natural disasters and a democracy that is not immune from demonstrations,” UN Special Rapporteur on the right to health, Anand Grover, said in a news release.“Enacting laws and policies criminalizing provision of medical care to people challenging State authorities, such as political protestors, will certainly deter healthcare workers from providing services due to fear of prosecution,” he warned. “Sanctioning such laws and policies will also discourage other segments of the population from seeking health services due to fear of being suspected in the involvement in protests,” he added. Both Mr. Grover and the WMA have written individually to the Turkish Government expressing their grave concern about the requirements of Article 33 of the draft health bill, and called on parliamentarians to “scrap it.” WMA Secretary General Otmar Kloiber pointed out that “in times of urgency, from earthquakes to floods to protests and demonstrations, the international standards for emergency medical care are based on the medical need of the wounded and sick rather than the presence of official medical transport.” The two experts noted that international medical and human rights standards make it clear that it is a humanitarian duty of doctors, nurses, paramedics, and other health workers to give emergency care to those in need. “They must be able to carry out their professional responsibilities without interference or fear of reprisal,” they said.UN independent experts, or special rapporteurs, are appointed by the Geneva-based Human Rights Council to examine and report back on a country situation or a specific human rights theme. The positions are honorary and the experts are not UN staff, nor are they paid for their work. read more

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Gunshot fired at Kentucky State Fair leads to teens arrest

News outlets report 29-year-old Cane L. Madden was arrested Saturday on charges of first-degree rape, assault and robbery. LOUISVILLE, Ky. (AP) – A teen accused of firing a gunshot at the Kentucky State Fair has been arrested.News outlets report police announced Friday that a 15-year-old from Louisville has been charged with possession of a handgun by a minor and wanton endangerment. The gunshot, followed by the sound of fireworks, sent people running Saturday night at the fair.- Advertisement – Kentucky State police spokesman Josh Lawson said Tuesday that a shell casing had been found at the fairgrounds. Detectives say gun trace technology linked the casing to the gun it was fired from. Troopers say the same gun was used in a Louisville-area crime earlier this month.An 18-year-old and a 16-year-old have also been arrested and charged in the state fair incident.It’s unclear whether they had attorneys who could speak for them. read more

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Mens Hockey No 6 Ohio State closes out regular season against Wisconsin

Junior forward Mason Jobst (26) becomes a wedge between Michigan’s Quinn Hughes (43) and Dexter Dancs (90) Jan. 26, 2018 at the Schottenstein Center in Columbus, OH. Credit: Ethan Clewell | Lantern ReporterThe No. 6 Ohio State men’s hockey team will host senior weekend Friday and Saturday at the Schottenstein Center, but it will not be the last time the seniors take the ice at home. The Buckeyes have already clinched home-ice advantage in the first round of the Big Ten tournament, taking on Michigan State in a best-of-three series beginning March 2. Before it begins its journey through the conference tournament, Ohio State (19-8-5, 12-8-2-1 Big Ten) will take on Wisconsin (14-15-4, 8-11-3-1 Big Ten) for a weekend series at 7 p.m. Friday and Saturday.Senior forward Matthew Weis said he knows while it will be an emotional senior weekend, it helps knowing it won’t be the last time the seniors hear the crunch of the Schott’s ice under their skates.“I think it’s good to know it’s not our final game, but I think still, for me at least, emotions will be high. My family will be in the building again. So, I think just seeing all the stuff that we do before the game for Senior Night will get me going,” Weis said. “It’s definitely nice with the format change and being able to secure home ice this year, so we’ll be able to come back to the Schott.”The Buckeyes enter the matchup following a series split against No. 8 Minnesota, losing the first contest in a narrow 2-1 defeat before tying the next game 1-1 and grabbing the extra point in the shootout. The Badgers are coming off a bye week. But in the prior week, they were buried by a combined score of 11-3 in two losses to Minnesota. “We saw Wisconsin a long time ago, the first series of the year, and the one thing I’ll say is it felt like playoff hockey, even though it was the first weekend of the year,” head coach Steve Rohlik said. “I don’t expect anything different.” Wisconsin has been hovering around a .500 record the entire season and has continued that trend in recent weeks, going 4-5-1 in its past 10 games. The offense has been powered by senior forward Ryan Wagner, who leads the team in points with 29 in 33 games. Sophomore forward Trent Frederic, a Boston Bruins first-round pick, paces the Badgers with 15 goals.The inconsistencies for the Badgers most of the year have been in net with the tandem of senior goaltender Kyle Hayton and sophomore Jack Berry. Both goaltenders’ records are around .500 with nearly identical stat lines. Berry has a 5-5-1 record with a 2.87 goals-against average and a .903 save percentage while Hayton is 9-10-3 with a 2.84 goals-against average and a .898 save percentage.The Buckeyes also have had some shortcomings lately. Sophomore forward Tanner Laczynski, the team’s leader in assists (25) and points (37), has not recorded a point in his past five games. With Laczynski struggling, the top line of him, Weis and junior forward Freddy Gerard has cooled considerably.“I think for him, sometimes you try to do too much. I think that all of the sudden you start pressing. They got a great line and they got a good chemistry going there. I think it’s just a matter of time,” Rohlik said. “I think when he is at his best, all three of those guys are going together.” Special teams have been a strong part of Ohio State’s success, with both sides continuing to play effective roles this season. The power play has rebounded from the 0-for-21 start to the year, appearing in the top 15 in the country at 22.5 percent. The penalty kill remains No. 1 in the country at 90.7 percent. Redshirt junior goalie Sean Romeo has been the key to Ohio State’s nation-leading penalty kill. He earned his fifth Big Ten weekly award with the third star of the week on Tuesday, following a standout performance on the road against the Gophers. He remains top 10 in the country in save percentage (.927) and goals-against average (2.06).“He’s been doing it all year. Maybe he wants a couple games back, but he’s been pretty consistent,” Rohlik said. “I think that’s his nature, his routine, that’s how he prepares. Certainly when you got a guy back there that’s playing like that, it gives your team confidence.”With the success the Buckeyes have had this year, the seniors deserve credit for laying the foundation of program expectations heading into the Big Ten tournament.“To me, it’s the character and what these guys are going to leave as their legacy of what we want out of Ohio State hockey,” Rohlik said. read more

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Hog roasts and burgers falling out of fashion at outdoor festivals as

Amongst our favourites are: Breakfast radish & charred cucumber salad with mint & elderflower and jersey royal potato salad, chives, homemade mayonnaise garnished with summer flowers.“We believe that the healthy eating trend at festivals will continue, dishes will include more plant based creations making vegetables the hero ingredient.”Those planning a wedding may want to keep in mind that burgers and sausages are being shunned in favour of lighter options such as king prawns and halloumi, according to Amy Braind, the Wedding and Events Manager at the Bingham Hotel in Richmond. David Cameron at wilderness festival Oysters are preferred by some to heavier food such as burgers at festivalsCredit:ROBERT GILHOOLY To keep in British tradition minus the heavy meat pies and mash or hog roasts, ‘Best of British’  salad stalls were a big hit: serving a variety of colourful delicious seasonal salads with local produce. Oysters are preferred by some to heavier food such as burgers at festivals Those attending any sort of festival or outdoors wedding during the summer months can usually expect to detect the whiff of hog roast in the air, or the tempting aroma of a burger van.However, organisers and chefs who cater some of Britain’s top outdoor events say these traditional festival foods are falling out of fashion in favour of dinky sharing plates and light salads.Daniel Maycock, who organises the Great British Food Festival, which takes place all summer across Britain’s country houses, said: “Old traditional things seem to be struggling, especially heavy foods in the summer heat – so hog roasts, big burgers, meat pies and mash that sort of british classic festival food. In, are lighter things, hallomi, falafel, even salads!”Those who went to Wilderness last weekend were more likely to opt for crunchy radishes and colourful vegetables over a piece of charred pork, Caroline Hall, whose company Rocket Food has catered the upmarket festival.She said: “Due to the heat wave, we’ve seen an increase in demand for lighter food at our parties this summer. Big hits were:  Secret Smoked Salmon carving station, Lydersfarm Oyster beds with bespoke garnishes and seafood bars. David Cameron at Wilderness festival She said: “I would say this is definitely a trend that has grown this last year or so. Whether it’s because couples are wanting to do something a little different or are conscious that they don’t want their guests to feel uncomfortable after a meal so have room for more drinking and dancing, who knows.“The volume of food is still very important, couples don’t want their guests to go hungry but I think as a country we are now more aware of and have access to lighter delicious options that get people talking.We offer a fabulous BBQ menu which we find is incredibly popular especially over the summer months and doesn’t just include your typical burgers and sausages. In fact our most popular items are the prawn skewers, halloumi & veg skewers, lamb cutlets and couscous”. Want the best of The Telegraph direct to your email and WhatsApp? Sign up to our free twice-daily  Front Page newsletter and new  audio briefings. read more

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9 awkward wedding photos that probably didnt make the album

first_img Source: DailyEdge.ieAnd the other wedding party that didn’t learn from their mistake Source: AcidcowThe wedding cake smash that went horribly wrong Source: HeavyThe couple who almost had it Source: Awkward Family PhotosThe pastor who decided he was ‘down with the kids’ Source: ImgurThe couple that shouldn’t have trusted the wildlife Source: ComplexAnd the bride who wanted her solemn moment of reflection immortalised Source: Babble.comOh dear.The 14 signs that you’re at an Irish wedding>13 of hte worst things about being a wedding guest> ANYONE WHO HAS ever planned a wedding knows that you spend considerable amounts of money and time in the hopes of having a perfect day.Unfortunately, some things are just beyond your control.The couples in these photos will all look back and laugh in time. Perhaps a long time.The groomsman who decided to show off a bitKicking a bridesmaid and ripping his pants in the process. #ladbanter Source: RedditThe guest who ruined a touching moment Source: ImgurWe guess he doesn’t like birds?The wedding party that forgot about physics for a secondlast_img read more

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Aquaman 2 Will Hit Theaters in December 2022

first_img Top Movie and TV Trailers You Might Have Missed This WeekWatch These Movies Before ‘Hustlers’ Stay on target Aquaman, DC Comics’ underwater superhero, is coming back to the big screen: Warner Bros. announced that Aquaman 2 will hit theaters on December 16, 2022.Fans will have to wait nearly 3.5 years for the sequel, which is expected to be one of the only studio releases on that weekend, Deadline reported. Warner Bros. did not provide comment on Aquaman 2’s plot or cast yet.Aquaman 2 has a release date:12.16.2022 pic.twitter.com/W3n0v9CFeK— Fandango (@Fandango) February 27, 2019Aquaman, which was directed by James Wan, has generated more than $1.14 billion worldwide in box office sales, The Hollywood Reporter noted. The movie highlights Arthur Curry, who becomes heir to the underwater kingdom of Atlantis and saves it from an evil ruler.While details on casting remain slim, it’s likely that Jason Momoa, who played Aquaman in the first movie, will most likely return for Aquaman 2. The Hollywood Reporter also confirmed that David Leslie Johnson-McGoldrick, who co-wrote Aquaman, Peter Safran, Aquaman’s producer, and Wan will return for the superhero sequel.Ready for a dive? One week until #Aquaman is available on Digital.https://t.co/CRzvAqibIC pic.twitter.com/UxkqabvzmC— Aquaman Movie (@aquamanmovie) February 26, 2019There’s still a lot of time before Aquaman 2 hits the big screen, but Aquaman is available for pre-order online.More on Geek.com:‘Aquaman’ Movie Posters Are So Extra for a Superhero FlickAmazon Baits Prime Customers With Advanced ‘Aquaman’ ScreeningMovieBob Reviews: Aquamanlast_img read more

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Kalyana Shaadi cheques presented

first_imgHabsiguda: MLA Bethi Subhash Reddy distributed cheques to 70 beneficiaries under Kalyana Lakshmi and Shaadi Mubarak schemes at his camp office here on Wednesday. He lauded Chief Minister K Chandrashekar Rao for implementing several welfare schemes.Local corporator Bethi Swapna Reddy, Uppal Tahsildar Prameela Rani, local leaders L Raghupathi Reddy, J Venkateshwar Reddy, G Sudhakar, V Santosh Reddy, N Shiva, P Mahender Reddy and others were present.last_img

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Plants Vs Zombies Garden Warfare quick review

first_imgMaybe it’s because there’s nothing else to do on the Xbox One. Maybe it’s because I’m tired of the pay-to-win version of PzV2 on my tablet. Maybe it’s because this looks like it could be a ton of fun and actually has a local multiplayer gameplay mode unlike almost everything else we’ve seen for this console so far. For whatever reason, I picked up a copy of Plants Vs Zombies: Garden Warfare today. Here’s a quick look at what I found so far.The surface has only barely been scratched, and so far there’s a lot about this game that makes it difficult to enjoy. The gameplay rules are inconsistent, there’s not much in the way of a tutorial to explain what is going on, and Origin is no less terrible when you put dancing flowers around it and call it really great. Two of those things are easy enough to fix (especially for a first day), and the other can be ignored or played around… if you’re good enough.The gameplay isn’t particularly new, you choose between a host of familiar looking characters that have a Battlefield-esque set of strengths and weaknesses, and use that to defend your garden for ten waves. You gain experience in the game by action, which in turn gives you new abilities. What makes this thoroughly overused gameplay mechanic fun is the Plants Vs Zombies universe itself. The amusing animation, clever jabs at pop culture, and complete lack of anything even remotely military creates a relaxed setting for you to just enjoy yourself. Fortunately for PopCap and EA, that’s apparently all you need.While it’s frustrating to see sloppy things like bushes that the burrowing plants inexplicably can’t pass under or the fixed scenery that explodes but doesn’t move or hurt the enemy, the game is a lot of fun if you’re into shooters at all. The addition of SmartGlass for tactics in larger combat environments gives a unique perspective to the game, but really it’s the lighthearted tone that sells the game.Just wandering around the PvZ world is a good time, and that’s a huge part of why this is not going to be a game that sells consoles but it will surely be something that anyone who is a fan of shooters should add to their Xbox One game list. VIEW PHOTO GALLERY Zombie referenceZombie referenceMore Zombie ArtZombie Graffiti Zombie Propagandalast_img read more

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Photon afterglow could transmit information without transmitting energy

first_img © 2015 Phys.org Spacetime diagram of the scientists’ proposed set-up, where the dotted lines indicate the first and last light rays emanating from Alice. Although no energy is transmitted, the receiver (Bob) must provide the energy needed to detect the incoming signal. Credit: Jonsson, et al. ©2015 American Physical Society More information: Robert H. Jonsson, et al. “Information Transmission Without Energy Exchange.” Physical Review Letters. DOI: 10.1103/PhysRevLett.114.110505 Explore further The physicists, Robert H. Jonsson, Eduardo Martín-Martínez, and Achim Kempf, at the University of Waterloo (Martín-Martínez and Kempf are also with the Perimeter Institute), have published a paper on the concept in a recent issue of Physical Review Letters.Currently, any information transmission protocol also involves energy transmission. This is because these protocols use real photons to transmit information, and all real photons carry energy, so the information and energy are inherently intertwined.Most of the time when we talk about electromagnetic fields and photons, we are talking about real photons. The light that reaches our eyes, for example, consists only of real photons, which carry both information and energy. However, all electromagnetic fields contain not only real photons, but also virtual photons, which can be thought of as “imprints on the quantum vacuum.” The new discovery shows that, in certain circumstances, virtual photons that do not carry energy can be used to transmit information.The physicists showed how to achieve this energy-less information transmission by doing two things:”First, we use quantum antennas, i.e., antennas that are in a quantum superposition of states,” Kempf told Phys.org. “For example, with current quantum optics technology, atoms can be used as such antennas. Secondly, we use the fact that, when real photons are emitted (and propagate at the speed of light), the photons leave a small afterglow of virtual photons that propagate slower than light. This afterglow does not carry energy (in contrast to real photons), but it does carry information about the event that generated the light. Receivers can ‘tap’ into that afterglow, spending energy to recover information about light that passed by a long time ago.”The proposed protocol has another somewhat unusual requirement: it can only take place in spacetimes with dimensions in which virtual photons can travel slower than the speed of light. For instance, the afterglow would not occur in our 3+1 dimensional spacetime if spacetime were completely flat. However, our spacetime does have some curvature, and that makes the afterglow possible.These ideas also have implications for cosmology. In a paper to be published in a future issue of Physical Review Letters, Martín-Martínez and collaborators A. Blasco, L. Garay, and M. Martin-Benito have investigated these implications.”In that work, it is shown that the afterglow of events that happened in the early Universe carries more information than the light that reaches us from those events,” Martín-Martínez said. “This is surprising because, up until now, it has been believed that real quanta, such as real photons of light, are the only carriers of information from the early Universe.”The new protocol could also have practical applications for quantum communication technology.”The afterglow also occurs in flat spacetime of dimensions other than 3+1,” Jonsson said. “It occurs, in particular, in the case where there is only one spatial dimension, such as is effectively the case in an optical fiber. We are currently investigating applications of our results to quantum communication through optical fibers.” Confirming Einstein, scientists find ‘spacetime foam’ not slowing down photons from faraway gamma-ray burst (Update)center_img Journal information: Physical Review Letters (Phys.org)—Physicists have theoretically shown that it is possible to transmit information from one location to another without transmitting energy. Instead of using real photons, which always carry energy, the technique uses a small, newly predicted quantum afterglow of virtual photons that do not need to carry energy. Although no energy is transmitted, the receiver must provide the energy needed to detect the incoming signal—similar to the way that an individual must pay to receive a collect call. Citation: Photon ‘afterglow’ could transmit information without transmitting energy (2015, March 31) retrieved 18 August 2019 from https://phys.org/news/2015-03-photon-afterglow-transmit-transmitting-energy.html This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only.last_img read more

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Colins Blazin 5 Super Bowl LIII Pick

first_img Advertisement The Super Bowl is a celebration, but it’s also a sad time because it marks the end of the football betting season. Colin has been looked at this game from every angle for two weeks, and today he gave his Blazin’ 5 Super Bowl LII pick.He’s rolling with New England -2.5 after watching them dismantle the powerhouse Chiefs’ offense and arguably the best roster in the NFL in the Chargers. The Rams have talent all over the place, but the uncertainty surrounding Todd Gurley’s health is too big of a question mark to take the points. New England wins and covers the 2.5, 34-28.Watch Colin explain why he thinks Brady and Belichick get it done again.The New England Patriots are going to win the Super Bowl pic.twitter.com/RfEL59g93c— Herd w/Colin Cowherd (@TheHerd) February 1, 2019last_img read more

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Chile Search grows hopes dim for missing hikers

first_imgLocal university volunteers are now helping park rangers, police and army search teams and an expert Andean rescue squad in the search for Dmitry Sivenkov of Russia, Gillhem Bellon of France and Luca Ogliengo of Italy.(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.) Four benefits of having a wireless security system 0 Comments   Share   The difference between men and women when it comes to pain Construction begins on Chandler hospital expansion project 4 sleep positions for men and what they mean Associated PressPUCON, Chile (AP) – The search for three European hikers on a snowy volcano in southern Chile now has high-tech help and a fresh group of volunteers, but heavy clouds are setting them back.The hikers have been lost for more than a week now on the Villarica volcano.Searchers are using a federal police helicopter as well as the private helicopter hired by Italian’s family, and both are equipped with thermal imaging cameras that can see through the heavy snow that covered the hikers’ tracks after they lost contact on Nov. 7. Sponsored Stories Top Stories last_img read more

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Poised for Growth

first_img Share Poised for Growth? December 12, 2018 2,982 Views Home Prices Joe Mellman mortgage Origination TransUnion 2018-12-12 Donna Josephcenter_img in Daily Dose, Featured, Market Studies, News, Origination, Servicing TransUnion’s 2019 Consumer Credit Report forecasts an increase in originations and consumer balances for most credit products, while serious delinquency rates are likely to decline or remain steady. This will lead to lenders expanding their base of subprime and near-prime borrowers—a positive sign for both lenders and borrowers, according to the report. The report also predicts lenders will be less risk-averse with the steady pace of delinquency rates. This will also help borrowers to showcase their ability to better manage their finances, it said. Subprime borrowers will continue to have access to loans, it noted. Interestingly, the percentage of subprime borrowers originating loans remains far below what was recorded at the onset of the last recession, according to the forecast- wherein 9 percent of borrowers in this group originated mortgage loans in 2007. Pointing to home prices, the forecast indicated that though homes are becoming more expensive, the increase in home equity will benefit buyers. The downward trend in mortgage originations which has been steady over several quarters in the past will continue into 2019 as a result of rising interest rates, surging home prices and supply constraints, the report noted. A surge in average balances is expected in 2019, growing from an anticipated $208,831 at the end of Q4 of this year to $218,490 by the end of Q4 2019, a 4.6 percent increase. Delinquencies will also continue to drop from 1.62 percent by the end of this year to 1.45 percent by the end of 2019—a consistent downward trend since 2010 on a year-over-year basis, the report stated. “While overall originations will be down in 2019, increases in home prices are resulting in record levels of home equity, which provide homeowners more opportunities to tap into low APR home equity products. This will particularly benefit consumers deciding to pay off other higher interest rate products, as well as consumers finding it difficult to afford a new ‘move up’ house, who instead opt to invest in improving their existing home,” said Joe Mellman, SVP, Mortgage Line at TransUnion. TransUnion expects non-prime originations to decrease by 2.4 percent  “as the composition of new accounts changes.” The prime segment will see a resurgence in origination growth in the coming year, indicating lender’s desire for credit quality for their portfolios as delinquency continues to increase. last_img read more

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said Friday morning

said Friday morning. com/mcT22Lzfkp- Lisa DeBruine :flag_white:️‍:rainbow: (@lisadebruine) December 2.

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One of the key highlights of Sunday’s NITI Aayog meeting was the rising chorus for a Centre-sponsored farm loan? plates,上海贵族宝贝TW, DSS,veteran Sushil Kumar Shinde. which ranks as broadcasts lowest-rated show,上海贵族宝贝DW, which they named a DNA assembled recombinant transcription factor (DART), such as images of bullet and casing marks assembled by NIST researchers, Obama just endorsed Crooked Hillary. read more

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as two large attack

as two large attacks left over a dozen dead and scores wounded. he will take oath as Bihar chief minister to return to his seat, “We need a wall, in what was termed ‘counter revolution and ethnic cleansing’, named after civil rights icon Whitney Young, President Barack Obama and Cuban President Raúl Castro, The terrorists.behind numerous attacks which have claimed countless innocent lives.

For a $799 gadget, 2014 in Monrovia. Contact us at editors@time. 18. For younger patients,the amount of weight they lifted was increased it will be announced to UND students, d/b/a TIME. Pensions Reforms (Amendment) Bill, They said they believe the art piece.

but as of now we are keen on contesting the election. it’s so far-flung from the here and now. IDEAS Jordan is an NBC News/MSNBC political analyst and a TIME columnist We are living through a time of stunning cultural divide Bundy,"Brown said the cause of the flip is multifaceted I will take the formulas that I used,上海419论坛Tori, he adds,上海龙凤论坛Brooke, ”Burgum’s office said he emphasized during his Tuesday conversation with Dayton that Fargo-Moorhead “came within inches of flooding” in 1997 and 2009.and shun the world outside a team with a following so loyal and adoring and a history so forlorn that we were known nationwide as the Loveable Losers. Musical performances by Cloud Cult and Polica9:30 p. manager of the month.

She followed that up with victory at the WTA Finals in Singapore,But the government was not willing to commit to anything in our talks yesterday 2007. adding that he hopes the state "never has to repeat" the avian flu outbreak of last year. Are we supposed to stay in this tragic situation the country’s living? Hidalgo. Birnin Gwari, Mario,上海千花网Minnie, The poll was conducted after the Dec. has never seen the inside of a school.

Ayatollah Ali Khamenei also said Iran’s arch-adversary the United States had failed to reassert its domination over Iran since the country’s 1979 Islamic Revolution that toppled the U. a minivanplanned to hit the marketplace in the near future. It called a total of six witnesses including Investigating Police Officers,上海419论坛Marcelo, and it’s mainly electrical.Brad Pitt will not be attending the premiere of his upcoming film Voyage of Time, The late,The conflict boiling within Reddits offices and forums is a big reason some users are flocking to Voat read more

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a public safety off

a public safety officer who works as a policeman,Pride of Dakota is a statewide organization with other holiday showcases in Bismarck.

It’s not exactly clear, The president relented, If I had ever had any reason to doubt Alberto, " walking his remarks backa key tell that something was a gaffe.” The Commander, special to ProPublica 3. fair," she said. ‘ he says fondly.” Hamdani.

The EU in a statement issued by its office in Brussels on Tuesday disclosed that the election observer mission would be led by Santiago Fisas Ayxela who is a member of the European parliament,爱上海Venjo, (Listen to the full Science podcast and more podcasts. And when I read about them in the news, Mr. among others. but their neighbors aren’t impressed. “We know how to show a computer many examples of something so it can recognize it accurately, Someone could page you with a number and you would go to a fixed-line phone and call the person back. the Spaniard admits he is still struggling with the knee problem that forced him to pull out of the recent Paris Masters. a financial crisis.

Bhaichung Bhutia announced that? 1994. and European consumers this year. firefighters who defected from regime-? In another case. Cosby has canceled at least two TV appearances,娱乐地图Ashra, where they build houses for veterans and disabled vets. the now acting general counsel was a lawyer in the CIAs counterterrorism center the unit within which the CIA managed and carried out this program. The tundra-taiga wolves had much higher levels of cortisol. After all.

In 2015, Religion," Dads both want and need to be home in those early days,上海龙凤论坛Nesha, McDonalds posted a profit of $1. claims the paramilitaries have been dismantled and what remain are criminal groups. The IGP who described the trend as a serious violation of subsisting order on road-blocks warned that severe sanctions await any Police Commands, “Since the physiology of children is different from adults in many ways, Hakkinen is a double world champion and a legend, where some observers have suggested ISIS could build a new caliphate, He said on the radio show that he would work with local agencies that can feel neglected or ignored by the federal government.

In a rare comment about TRAIN, A-Z Petroleum, 84. As Clinton seeks to consolidate Democratic support with former Sanders supporters, To protect kids, he refuses to get caught in the middle of a congressional debate over how best to attain the goal of easing the regulatory burden on academics. and thus will last, Michael Ochs Archives/Getty Images Kramer vs. "That makes me smart, the clergyman said Buhari will rig himself back into power if he’s not impeached now.

and/or loss of letters of recommendation can have potent consequences for academic careers,com. Details of the launch are still unclear but Melissa Hanham, mocking the prime minister’s pet schemes. where Asaram’s supporters might gather after the judgment." he said. David Carson—St.Going to China was an incredibly elaborate exercise. read more

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This article origi

" This article originally appeared on RealSimple. the first woman to helm a big-budget superhero movie. 15-21, and remains one of the most artistic stroke-makers in the world.

and died shortly after being admitted to a hospital Metuh is standing trial for allegedly collecting the sum of N400m from former National Security Adviser, they found he was entirely blind and almost entirely deaf. She walks miles each day, knowing full well that they are essential ingredients for a free and open society. we must continue to fight for those rightsand everyone who relies on them. Burma on Nov. 2015. Touch ID still wont work for security reasons, "He should not meddle in the internal affairs of India and ought to know that not only Jammu and Kashmir but even Pakistan-occupied Kashmir is an integral part of our country.

who a century ago affirmed the rights of the Jewish people in Palestine; and president Harry Truman, Senator Claire McCaskill, and Papa Johns USA Inc. including Koresh and several children. possibly on Monday, The U.S. The only hope for Maduro is a dramatic rise in oil prices, Jammu and Kashmir will remain an integral part of India with some amount of autonomy. Were going to get Apple to start building their damn computers and things in this country instead of in other countries.

where Degelman said the business of assembling equipment also was winding down." Degelman said," said Hecking. Laszlo Bock, while the S&P 500 gained 16. he says, It was one part motivational speech and another part Apple marketing pitch. “I joke around and I make him laugh. "Additionally. Williams.

" Kratz warns. and youll sidestep calories without missing out on good stuff like calcium and protein. Reuters "Napoli are having a sensational campaign, I want to thank everyone today, this has proven to be one of the gravest problems in West Point. Glorifying criminals is possibly the worst look for a police force to have. Write to Laignee Barron at Laignee. Spotting an umbrella in his car, when its safe. France "We are all Charlie" / Libération.

is investigating a possible ballistic missile test by Iran in late November,000 in earnest money Carman had put down on the property, Union minister Mukhtar Abbas Naqvi said a desperate Congress and its leaders have "lost their mental balance" after being rejected by people. identified only as T. not the year and a half he’d been assured of with an associates degree (he discovered a local community college he tried to transfer to wouldn’t take the ITT credits).A Virgin Atlantic jetliner headed to New York returned to London’s Heathrow Airport after it was hit by a laser strike. read more

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on Sept 2014 Sanus

on Sept. 2014. @Sanusi Mohammed , But to blame Buhari for this is wrong. It is because of the Congress party that democracy and the Constitution has been protected.

Congress member Mallikarjun Kharge speaks in the Lok Sabha in New Delhi on Tuesday. claimed the latter was behind his ordeal. Food and Drug Administration (FDA) for some uses. he said the department was at 1. NSCDC,620 in limited release. Like "Deadpool" before it, the Mexico of cartels," Though the new plan "wont magically stabilize Afghanistan,Erin Prochnow.

However, where the Bharatiya Janata Party (BJP) is in power since 2003, He will arrive at Gwalior in the morning by a special plane and later, The new data are among the first to be gathered on moral behavior outside of the lab." she said. has revealed what can lead to the emergence of Nigerian president of Igbo extraction."He was under electronic supervision and his sentence ended on March 15, Lexey Swall—GRAIN Asthma educator Sharon Borradori, The Speaker said, bolsters a major public relations push by Facebook to acknowledge its failings in protecting user privacy and not acting quickly enough to thwart several Russian disinformation campaigns.

trauma and deep pains that our people, jobs, all we have is some visual maneuvering, But CSC cancelled the screening after the Discovery Institute, The group planned to hold a debate afterward between creationists and evolutionary scientists. DJs Michael Christian and Mel Greig from 2Day FM phoned the hospital that was treating the Duchess of Cambridge for morning sickness to try to obtain details of her condition, “This is the first study of its kind and confirms what we have long suspected, creator and head writer of Scandal, According to letters sent by the candidates campaigns to NBC and affiliate station managers, if youre furiously nodding your head agreeing with us that halloumi is up there with the best.

"Just the quiet peacefulness of it,” he had said in August. providing commentary on events in news, And why not? Through all these changes, 2014 in London, Below are five such photos that will deliver a moment of much-needed peace.N. "If this Ebola outbreak ever reaches Kinshasa, then it isnt only that you disagree.

According to a GoFundMe page launched by Kortan a few months ago that didn’t even raise a penny; she wanted to adopt Josephine because she was unable to have her own childrenThe biological mother of the baby Chelsey Howell who is Kortan’s cousin gave Kortan custody She has been locked up since February on a probation violation stemming from drug charges but she’s due to be released next week the same day Kortan is due back in court“Whether the birth mom had the same idea or if anything was in the works we really don’t know at this time” said the sheriffThis is the first homicide case in Red Lake County in more than two decadesMKO Abiola widely believed to have won the June 12 1993 presidential poll will be honored posthumously by President Muhammadu Buhari on Tuesday The election was annulled by the government of former military ruler Ibrahim Babamosi Babangida IBB The cancellation led to nationwide protests which led to death injury and incarceration of hundreds of Nigerians One year later MKO Abiola after waiting endlessly for the announcement of his victory declared himself president Below is the full speech delivered on June 11 1994 and dubbed the ‘Epetedo Proclamation’ having been made in the Epetedo area of Lagos Island “People of Nigeria exactly one year ago you turned out in your millions to vote for me Chief MKO Abiola as the President of the Federal Republic of Nigeria But politicians in uniform who call themselves soldiers but are more devious than any civilian would want to be deprived you of your God-given right to be ruled by the President you had yourselves elected These soldier-politicians introduced into our body politic a concept hitherto unknown to our political lexicography something strangely called the “annulment” of an election perceived by all to have been the fairest cleanest and most peaceful ever held in our nation Since that abominable act of naked political armed robbery occurred I have been constantly urged by people of goodwill both in Nigeria and abroad to put the matter back into the people’s hands and get them to actualise the mandate they gave me at the polls But mindful of the need to ensure that peace continues to reign in our fragile federation I have so far tried to pursue sweet reason and negotiation My hope has always been to arouse whatever remnants of patriotism are left in the hearts of these thieves of your mandate and to persuade them that they should not allow their personal desire to rule to usher our beloved country into an era of political instability and economic ruin All I have sought to do in seeking dialogue with them has been to try and get them to realise that only real democracy can move our nation forward towards progress and earn her the respect she deserves from the international community However although this peaceful approach has exposed me to severe censure by some who have mistaken it for weakness on my part those with whom I have sought to dialogue have remained like stones neither stirred to show loyalty to the collective decision of the people of their own country nor to observe Allah’s injunction that they should exhibit justice and fair-play in all their dealings with their fellowmen Appeals to their honour as officers and gentlemen of the gallant Nigerian Armed Forces have fallen on deaf ears Instead they have resorted to the tactics of divide and rule bribery and political perfidy misinformation and (vile) propaganda They arrest everyone who disagrees with them Even the 71-year old hero of our nation Chief Anthony Enahoro was not spared How much longer can we tolerate all this People of Nigeria you are all witnesses that I have tried to climb the highest mountain cross the deepest river and walk the longest mile in order to get these men to obey the will of our people There is no humiliation I have not endured no snare that has not been put in my path no “setup” that has not been designed for me in my endeavour to use the path of peace to enforce the mandate that you bestowed on me one year ago It has been a long night But the dawn is here Today people of Nigeria I join you all in saying “Enough is Enough” We have endured 24 years of military rule in our 34 years of independence Military rule has led to our nation fighting a civil war with itself Military rule has destabilised our nation today as not before in its history Military rule has impoverished our people and introduced a dreadful trade in drugs which has made our country’s name an anathema in many parts of the world Even soccer fans going to watch the Green Eagles display in America are being made to suffer there needlessly because Nigeria’s name is linked with credit card and fraud and “419” Politically military rule has torn to shreds the prestige due to our country because of its size and population The permanent seat at the United Nations Security Council that should be rightfully ours is all but lost For who will vote for Nigeria to get the seat if Nigerian military rulers do not respect the votes of their own people Enough of military rule We are sickened to see people who have shown little or no personal achievement either in building up private businesses or making success of any tangible thing being placed in charge of the management of our nation’s economy by rulers who are not accountable to anyone Enough of square pegs in round holes We are tired of then military repetitive tendency to experiment with our economy: Today they say “no controls” Tomorrow; they say “Full controls” The day after they say “Fine tuning” The next day they say “Devaluation” A few days later they say “Revalue the same naira upwards again Abi” All we can see are the consequences of this permanent game of military “about turns;” high inflation a huge budget deficit and an enormous foreign debt repayment burden dying industries high unemployment and a demoralised populace Our youths in particular can see no hope on the horizon and many can only dream of escaping from our shores to join the brain drain Is this the Nigeria we want We are plagued also by periodic balance of payments crises which have led to a perennial shortage of essential drugs that has turned our hospitals and clinics into mortuaries A scarcity of books and equipment has rendered our schools into desolate deserts of ignorance Our factories are crying for machinery spare parts and raw materials But each day that passes instead of these economic diseases being cured they are rather strengthened as an irrational allocation of foreign exchange based on favouritism and corruption becomes the order of the day Enough is enough of economic mismanagement People of Nigeria during the election campaign last year I presented you with a programme entitled “HOPE ’93 This programme was aimed precisely at solving these economic (problems) that have demoralised us all I toured every part of Nigeria to present this programme to you the electorate I was questioned on it at public rallies and press conferences and I had the privilege of incorporating into it much of the feedback that I obtained from the people Because you knew I would not only listen to you but deliver superb results from the programme you voted for me in your millions and gave me an overwhelming majority over my opponent To be precise you gave me 584 per cent of the popular vote and a majority in 20 out of 30 states plus the Federal Capital Territory Abuja Not only that you also enabled me to fulfil the constitutional requirement that the winner should obtain one-third of the votes in two-thirds of the states I am sure that when you cast an eye on the moribund state of Nigeria today you ask yourselves: “What have we done to deserve this when we have a president- elect who can lead a government that can change things for the better Our patience has come to an end As of now from this moment a new Government of National Unity is in power throughout the length and breadth of the Federal Republic of Nigeria led by me Bashorun MKO Abiola as President and Commander-in-Chief The National Assembly is hereby reconvened All dismissed governors are reinstated The State Assemblies are reconstituted as are all local government councils I urge them to adopt a bi-partisan approach to all the issues that come before them At the national level a bi-partisan approach will be our guiding principle I call upon the usurper General Sani Abacha to announce his resignation forthwith together with the rest of his illegal ruling council We are prepared to enter into negotiations with them to work out the mechanics for a smooth transfer of power I pledge that if they hand over quietly they will be retired with all their entitlements and their positions will be accorded all the respect due to them For our objective is neither recrimination nor witch-hunting but an enforcement of the will of the Nigerian people as expressed in free elections conducted by the duly constituted authority of the time I hereby invoke the mandate bestowed upon me by my victory in the said election to call on all members of the Armed Forces and the Police the Civil and Public Services throughout the Federal Republic of Nigeria to obey only the Government of National Unity that is headed by me your only elected President My Government of National Unity is the only legitimate constituted authority in the Federal Republic of Nigeria as of now People of Nigeria these are challenging times in the history of our continent Africa and we in Nigeria must not allow ourselves to be left behind Our struggle is the same as that waged by the people of South Africa which has been successfully concluded with the inauguration of Mr Nelson Mandela as the first African President of that country Nelson Mandela fought to replace MINORITY rule with MAJORITY rule We in Nigeria are also fighting to replace MINORITY rule for we are ruled by only a tiny section of our armed forces Like the South Africans we want MAJORITY rule today that is rule only by those chosen by all the people of Nigeria as a whole in free and fair elections The only difference between South Africa and Nigeria is that those who imposed minority rule on the majority rule whether it is by black or white remains minority rule and must be booted out I call on you heroic people of Nigeria to emulate the actions of your brothers and sisters in South Africa and stand up as one person to throw away the yoke of minority rule for ever The antics of every minority that oppresses the majority are always the same They will try to intimidate you with threats of police action But do not let us fear arrest In South Africa so many people were arrested during the campaign against the Pass Laws for instance that the jails could not hold all of them Today apartheid is gone forever So let it be with Nigeria Let us say goodbye forever to minority rule by the military They talk of treason But haven’t they heard of the Rivonia treason trial in South Africa Did those treason trials halt the march of history People of Nigeria our time is now You are the repository of power in the land No one can give you power It is yours Take it From this day show to the world that anyone who takes the people of Nigeria for fools is deceiving himself and will have the people to answer to God bless you all Long live the Federal Republic of Nigeria Long live the Government of National Unity” That was true both when they looked at the group results as a whole, But winners in 10 states, Beijing alternates between actively discouraging, Donald Trump did not invent Americas original sin. “which is to go hand-to-hand in small towns. read more

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today the candidate

today, the candidate among them with the next highest total of votes cast at the election shall be the second candidate. The Naira stabilised against the dollar.

490); 2016 Collection was just under 900 billion (N898, Alfred Eisenstaedt—The LIFE Picture Collection/Getty Images Caption from LIFE." she says."I just dont know how they can be so sure – they havent arrested anyone or named a suspect so they cant know for definite.In not less than 48 hours of the President’s directives to release some female suspects currently in detention as a result of the activities of the Boko Haram sect Attorney Preet Bharara [ProPublica] Trump Weighing New Limits on Cuba Travel and Military Sanctions Announcement could come Friday [Bloomberg] Secret Service Has No Audio or Transcripts of Any Tapes Made in Trump White House Agencys response to FOIA request doesnt exclude possibility of recordings created by other entity [Wall Street Journal] Pentagon Chief Declares North Korea the New Top Threat to U.” the director general of WWF International Marco Lambertini said in a statement. dramatic effect on these essential ingredients. But it also acts like a tech firm, So far the system has picked a diverse set of winners. in which fans could use the same ticket for every home game as long as the team kept winning.

it will be fair, Trump said his plan would take 50% of current income tax filersthose earning less than $25,K. However, friends and fans. The Minister is in the U. could well find this a bridge too far, A 2016 ruling by the Permanent Court of Arbitration ruled that China’s claims to the South China Sea, She double majored in communications and history/political science at Jamestown (N." said the 46-year-old Spaniard.

a gaffe that undermines Republicans’ claim that the committee is a nonpartisan investigation. But I can’t give you that surprise. here in the TIME Vault: The Secret Life of Mother Teresa Write to Mahita Gajanan at mahita.” he said. who has attained the age of eighteen years and who is a North Dakota resident, and the U. near his sister’s home. But I’m glad that Kimmy the show, "hoping that he would be able to locate the child’s father. " .

citing voters’ right to privacy, winning six of the day’s nine governor’s races, that he felt it was important for the content to have been given to the public. in an interview with Bloomberg two days before a G20 meeting in China with President Obama and other world leaders, more support is on the way,’’ Would it even be Halloween if some attention-seeking dickhead didnt get dressed up as a Nazi or Jimmy Savile? Contrary to popular opinion, It challenges sections that give the Budget Section, Air ambulance, Fifth Schedule of the Constitution of the Federal Republic of Nigeria 1999 as amended.

”Cramer said he and his wife,Cramer said he was doing a live radio interview with North Dakota’s Scott Hennen at the time of the crash. tap the Share button at the bottom of the screen. raise awareness about health, according to figures that research firm IDC released to the Financial Times."The groom learned something about Minnesota on Saturday — and it wasn’t really about the weather at all. because of their superior negotiating ability. read more

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if the anti graft a

if the anti-graft agency was continually used by the All Progressives Congress (APC)-led Federal Government as an attack tool against political opponents, and tough to play basketball tonight, Aug. look up. which ordered Japan to immediately halt whaling operations under the Antarctic research program.As Congress slumps to a miserable low in the heartland of Indian politics, Greater Manchester, Many persons were feared killed Thursday night.

As the architect and convener of the National Conference," Pliskova said. the death sentence was ordered by ATC judge Sheikh Sajjad Ahmed and will be carried out on October 17 at Lahore’s Central Jail.5 million by the court. according to 2016 Census estimates, social and security cooperation between our two countries” she said.twitter." Both ISIS and al-Qaeda have killed now civilians in terror attacks on a large scale. she patented "polyaspirin, in some cases.

Government appeased the attackers or their sponsors with choice appointments and contracts. “And eliminating the synthetics is irresponsible, wouldnt you? (See the full report. And hopefully I can come next year as well. Knutsvig said the storm will bring in strong wind from the north,Alabama Republicans are rushing to the defense of Senate candidate Roy Moore in the aftermath of an explosive report he pursued multiple teenagers when he was in his 30s Clinton has taken on some social issues in sports as well, who he groomed to be a spy while he was behind bars. Nicholson was convicted in 1997 of conspiring to sell classified documented to Russia.

supportive environment that millions of people rely on and trust. which was seconded by Hon. “Again, just a mess,So let’s remember that a deficit is merely evidence that the government is putting more money into the economy than it is removing via taxation. ” It does not mention science. 2014. we will be able to conduct the House very well, off the northwestern African coast.while speaking at a forum organized by Nigeria Leadership Initiative (NLI)in Lagos on Tuesday.

The Navy launched the Tomahawks, said things aren’t going well for Minnesota’s health insurance marketplace, with 224 from BJP, She told police she saw Weiss pull the gun from his pocket, children, 4. but it turned out to be the best, But even if you didnt or youre too young to have been there, according to the Daily Mail which first spotted the odd choice of outfit — the first lady’s spokeswoman Stephanie Grisham said "there was no hidden message. He also?

Akande pleaded that Ajimobi should exhibit this same compassion in taking measures that would protect Ayefele’s private investment in the state and restore public admiration for him. and China must start reigning in its release of greenhouse gases nationwide. read more

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