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1. Constantly being asked, "How do you see through all that hair?"
2. A stud falling off of your studded belt.
3. Deciding which side of a double-sided poster from Kerrang! you would use.
4. Not being able to scream along to songs properly.
5. All the dyeing, straightening, and backcombing taking a toll on your hair.
6. Trying to get the perfect Myspace profile picture using a digital camera.
If only front cameras had been a thing then.
7. And spending hours looking for a suitably emo Myspace layout.
8. Getting sweaty hands from wearing fingerless gloves in the summer.
9. And feeling like you were melting whenever you wore these on a hot day.
10. Never quite knowing if the lyrics you'd chosen would fit properly on your Converse.
And also getting told off by your parents for writing on the £45 shoes they bought you.
11. Your black clothes not matching.
12. Never being able to master those complicated Ryan Ross eyeliner looks.
13. Having a blank gap on your wall of band posters.
14. Windy days being terrible in case someone saw both of your eyes.
15. Not being able to find your favourite band shirt among your other 20 identical ones.
16. Getting a gap in your perfectly styled emo fringe.
17. And finally, hearing "it's just a phase".
Okay maybe it was, but still, rude.
Over the years WCAX and WCAX.com have helped countless business grow.
The key is that we customize our marketing strategies to optimize the return on investment for all of our clients.
The quality of the marketing plan that you get from WCAX is what sets us apart from the others.
Call or e-mail anytime and you will talk to the best marketing consultants in the region.
Is Commbank’s new hybrid a real pearler?
Last Thursday, the Commonwealth Bank announced the launch of its latest ASX-listed hybrid security – CommBank PERLS XI Capital Notes. Set to pay a fixed margin of 3.7% over the 90-day bank bill rate and have an offer size in excess of $750m, the final terms of the issue will be announced tomorrow after a bookbuild toda...
And while I am a fan of hybrid securities for investors who understand the product and the risks, like all markets, there can be times when it pays to just sit out and keep the powder dry. With the recent movement higher in bank ordinary share yields, plus the uncertainty over the ALP’s policy changes to dividend imput...
I don’t dislike the issue – I just don’t think it is a real bargain. I will come back to this a little later, but firstly, details of the offer.
CommBank PERLS XI Capital Notes will pay a quarterly, fully franked distribution. This is calculated at a fixed margin of 3.7% over the then 90-day bank bill rate, and then adjusted by the company tax rate (to take into account the benefit of the franking credits). The distribution is re-calculated each quarter.
With the 90-day bank bill rate currently at 1.95%, this implies a gross distribution rate of 5.65% pa for the first 3 months (1.95% plus 3.70%). The actual distribution in cash, which is fully franked, would then be 3.96% (5.65% x 0.70 = 3.96%).
Distributions are discretionary and subject to distribution payment conditions. If a distribution is not paid, it doesn’t accrue and won’t subsequently be paid. To protect holders from this discretion being mis-applied, Commonwealth Bank is then restricted from paying a dividend on its ordinary shares.
PERLS XI are perpetual and have no term. However, CBA must (subject to a test) exchange the PERLS XI Capital Notes into CBA ordinary shares on 26 April 2026 (in about 7.5 years’ time). If exchange occurs, holders are issued $101.01 of CBA ordinary shares for every PERLS XI Note of $100 face value (which effectively mea...
To qualify as regulatory capital for CBA, two further events cause mandatory exchange - a ‘capital trigger event’ and a ‘non-viability trigger event’. Under these tests, the Australian Prudential Regulatory Authority (APRA) can require CBA to immediately exchange PERLS XI into ordinary shares if CBA’s Common Equity Tie...
CBA also has an option to redeem the PERLS XI Notes early on 26 April 2024 (in approximately 5.5 years’ time) by paying holders $100 per PERLS XI Capital Note.
CBA is also conducting a re-investment offer for holders of PERLS VI (ASX Code CBAPC). PERLS VI, which pay interest at a fixed margin of 3.8%, will be called (redeemed at the $100 face value) if investors do not elect to re-invest in PERLS XI. Payment will be made on 17 December.
The offer is due to open tomorrow (Friday). Several brokers and financial planners are involved in the issue, including CommSec, Morgans, Morgan Stanley, Bell Potter, Macquarie and Ord Minnett. If you are investing via a broker or financial planner, many are receiving a placement fee of 0.75% and in some cases, may be ...
CBA shareholders and holders of PERLS VI, VII, VIII, IX and X can also access PERLS XI Notes directly through a Securityholder offer at www.commsec.com.au (you don’t need to be a CommSec client).
While this issue is reasonably priced compared to existing secondary market yields, I am not a huge fan for three reasons.
Firstly, it is priced on the lower side of the margins that CBA has previously paid for PERLS issues. Listed below is a table of previous issues, showing that the fixed margin has ranged from a high of 5.2% to a low of 2.8%.
History is not always the best guide and there are reasons why margins should be lower now including the very strong capital position of the major banks, lower issuance, and comparable margins in wholesale markets. This particular issue also has a relatively short term to the mandatory exchange and expected call date.
But this is an issue directed at retail investors and while 3.7% looks interesting, it is not riveting.
Compared to the yields available on bank ordinary shares, PERLS XI stacks up poorly. While they are very different securities, they do carry some of the same underlying risks. Whenever there has been a sell-off in bank shares (as there has been over the last couple of months), hybrid securities trading on the ASX have ...
Here is the comparison on a cash and gross (post franking) basis between CommBank’s PERLS XI and the closing yield on bank ordinary shares yesterday (1 year forecast from FN Arena).
Thirdly, hybrid securities will be impacted if the ALP’s policy to deny the re-funding of excess imputation credits in cash becomes law. My guess is that the big holders of hybrids are SMSFs, particularly those in pension phase. While there has been a lot of commentary about the potential impact of this change on bank ...
Home > The Experts > Paul Rickard > Is Commbank’s new hybrid a real pearler?
Who Will Perform During Superbowl's Halftime Show?
Adam Levine, Maroon 5 is on the short list to perform during this year's Superbowl halftime show.
› Videos › Who Will Perform During Superbowl's Halftime Show?
“Radar Men from the Moon” (1952) Republic serial trailer.
“Invaders from Mars” (1953) D: Wm. Cameron Menzies. Paranoid. “Cinecolor”.
“Creature from the Black Lagoon” (1954) in “3-D”.
“The Blob” (1958) Steve McQueen.
“I Was a Teenage Frankenstein” (1957) Whit Bissel.
“Rodan” (1957) Japanese follow-up to “Godzilla”.
(CNN) — Against the backdrop of bright blue sky and the red rocks of the Colorado River canyon, a mustard-yellow train steams through the rugged landscape, the words "Union Pacific" emblazoned on its side.
Little has changed in this striking scene since the late 19th century, when the United States first began building a network of railroads across its vast land mass.
British photographer Jonathan Lewis has journeyed across America's most beautiful -- and most isolated -- terrains, photographing timeless trains in spectacular landscapes across the country's West.
Lewis' pictures have a vintage postcard look -- but the photos in the book were all taken within the past 10 years.
"A family holiday to Colorado in 2000 was the first time I visited the USA and saw my first American train in Denver," Lewis tells CNN Travel.
These eye-catching images are the subject of Lewis' new book, "Locomotives of the Western United States", published by Amberley Books.
This Union Pacific train was photographed by Lewis at Sullivan's Curve, Cajon Pass, California.
The first US transcontinental railroad was completed in 1869, changing the path of America's history.
"Once a railway reached an area it was able to develop its industry -- as it had an efficient means of moving its goods," says Lewis, who is fascinated by the link between America's history and its railway network.
"Many towns were founded by railway companies to serve the railway."
The US no longer operates many long-distance passenger services, but railroads remain integral for freight trains.
America's railways -- including the route passing through Skykomish, Washington, pictured -- remain crucial to the country's transport network.
The end of the line for American long-distance trains?
Plus, the path of the railways still plays a part in the way we get across America -- even if we don't go by train.
"Today many long-distance roads and interstates follow the original route of the railway," explains Lewis. "This was the route which was developed and is often the best route."
Notably, railways in America are still run by private companies: "They have remained private companies throughout," says Lewis. "Each with their own unique paint scheme and different operating cultures."
The Western railroads weave through spectacular scenery, such as Snow River, Alaska.
The railroads are also intertwined with the landscape of these rural American locations: "Railways had to be built through deserts and over mountain passes, which were thought to be impossible at the time," explains Lewis.
It is the combination of classic trains -- some locomotives date from the 1960s and '70s -- combined with stunning landscapes, that make Lewis' images so striking.
Lewis plans his images carefully to ensure maximum sunlight, as in this photo at Larkspur, Colorado.
Lewis extensively researches the types of train and the surrounding scenery before he takes the photos.
"Doing research beforehand is important to understand what the railway operations are like," he says. "And at what time of day a train might show up on less busy railway lines."
"It is also important to study the route of the railway line on a map -- to know what the most scenic sections of line are, and what locations are going to have the sun in the perfect position to photograph the train."
Lewis tries to get the whole train in the image whenever possible, as in this photo of a Union Pacific train in Oregon.
The sweeping shots encompass sky, trees, canyons and wildlife.
"It helps to get scenery in above the train, which can often only be done from an elevated viewpoint, which shows the train snaking through the Western American landscape," says Lewis.
"I think it is an important aspect of railway photography, where possible, to get the whole train in the photograph."
Sometimes this involves a trek to capture the perfect shot.
"It is sometimes necessary to walk up to a couple of miles and climb a hill to reach the required location," says Lewis.
A Union Pacific train passes Utah's dramatic red rock formations.
Lewis' interest in trains is not specific to the US.
"I also do railway photography much closer to home all over the UK, especially in northern England and Scotland, as well as in Canada," he says.
But it's photographing America's railroads that's become his passion -- and has allowed him to see a side to the country he wouldn't have seen otherwise.
"Traveling around America photographing trains takes you to spectacular places one would have little reason to visit, a long way off the normal tourist trail," he says.
The Thunder Bay Catholic District School Board estimates that the 50-kilowatt solar project will help lower the board's utility costs by more than $70,000 a year. The solar panels will also reduce the school's carbon emissions by 64 metric tons per year - the equivalent of taking more than 20 cars off the road.
Investing in our schools is an important part of the government's Open Ontario Plan to strengthen education. The plan has already delivered results: smaller class sizes, higher test scores and an improved graduation rate. It also creates local economic benefits and supports a stronger, cleaner economy.
This $800,000 investment is part of a $50 million plan to install more than 120 solar, wind and geothermal technologies in Ontario schools.
In addition, more than 150 schools in 40 school boards are participating in the Green Schools Pilot Initiative, which involves innovative technologies including renewable energy projects.
Since 2003, the McGuinty government has invested $5.4 billion through the Good Places to Learn and Energy Efficient Schools programs.
This document was published on January 26, 2011 and is provided for archival and research purposes.
The nonprofit group Habitat for Humanity is trying to put a dent in the glut of foreclosures in many parts of the country by buying up the houses, renovating them and selling them to their clients. It’s a way to help reinvigorate blighted neighborhoods, and get families into homes much quicker than building from the gr...
"When a community has a number of vacant homes, the property value of the surrounding ones goes down, (and) the condition of surrounding homes goes down. People feel kind of discouraged," says Stephen Seidel, senior director of global program design and implementation of the Habitat for Humanity, headquartered in Atlan...
The couple that brews together, stays together.
Theresa Cashen and Mitchell Kehoe, co-owners of Kelowna's newest brewery, began dating in 2012 after meeting at university in Halifax, and they began brewing beer in their apartment together shortly after.
The hobby quickly developed into something bigger.
“I started to collect a bigger and bigger library of different strains of yeast in my fridge until I needed a bigger fridge just to hold yeast, on top of all the space for beer, bottles, and kegs and carboys,” Kehoe said, adding they eventually added a freezer specifically for hops to their Halifax apartment.