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Austin Mahone. The singer/songwriter is set for stardom with his hit song, 'What About Love'. In 2013, he opened the first ever Radio Disney Music Awards, where he. Radio Disney Music Mix Studio DownloadSince 2002, Radio Disney has held an annual awards ceremony, the Radio Disney Music Awards, to honor popular music artists featured on the network. Listen to songs, browse albums, and watch music videos from your favorite Disney artists! Candice finds out how RDMA nominee Little Mix moves in different situations! Are you ready for the 2015 Radio Disney Music Awards? https://www.youtube.com. Fifth Harmony opens the 2015 Radio Disney Music Awards with “Worth It”! Watch more from 2015 Radio Disney Music Awards! https://youtu.be/9PvGQfng2Rk. Vote for your favorite artists now on the official RDMA site and watch Disney Channel on 4/26 at 8/7c to see who wins at Music’s Biggest Event For Families! Map Of Estonia And RussiaPrintable map of Estonia and info and links to Estonia facts, famous natives, landforms, latitude, longitude, maps, symbols, timeline and weather - by worldatlas.com. About Estonia Map is showing Estonia, one of the three Baltic States. The North Eastern European country borders the Gulf of Finland in north, the Baltic Sea in west. Know Where is Czech Republic on the World map. Czech Republic location map highlights the geographical location of Czech Republic on the map of World. Карта Эстонии на русском языке Размер: 1900x2405 px. Объем: 1,37Мб. Язык: Русский. Увеличить карту. Estonia Map - explore administrative divisions, cities, history, geography, culture, education through informative political, physical, location, outline, thematic. Known officially as the Republic of Estonia, Estonia is a state in Northern Europe situated in the Baltic Region. Gulf of Finland, Baltic Sea and Latvia lie to the north, west and south of Estonia respectively, to the east it is bordered by Lake Peipsi and the Russian Federation. About Estonia Map:- Estonia is one of the most captivating countries in Europe that has made the most of its newfound freedom after it got independence from Soviet Union in 1991. After seven centuries of Danish, German, Polish, Russian, and Swedish rule, Estonia now stands on it feet. The latest country to join the European Union is known for pursuing free market economic policies. One of the most wired countries in Europe is also one of the least populated member states of the European Union. Culturally and linguistically, it bears more semblance to Finland. Its long tradition of choral singing is much revered the world over. First traces of human settlement (Pulli Settlement) in Estonia go back to 11,000 to 13,000 years ago. The hunting and fishing communities are believed to be existing from around 6500 B.C. near Kunda in northern Estonia. At the cusp of Bronze and Iron Age, Estonia witnessed cultural changes. At this juncture, the nation witnessed a significant transition to farming, which still remains at the core of the economy. One of the early Estonian groups were the Oeselians, who were known as the Estonian Vikings, and existed as far back as the 2nd century, rising in power by the 12th century. The Oeselians were pirates who raided Swedish towns and ships and dominated the seas. During the Northern Crusades, the movement was spread to Estonia by the northern Germans who established colonies in the region, in what was known as the Livonian Crusade. The Kingdom of Denmark sought to stop the Oeselian attacks, and invaded Estonia in 1206, while the Swedes occupied the coastal regions. The Estonians fought against the invasions. In 1418, Estonia became part of the Livonian Confederation as the Livonian Order. This rule lasted until the Livonian War, which started in 1558 and ended in 1562. After the war, the southern part of Sweden became part of the Polish-Lithuanian Commonwealth. Northern Estonia was part of Sweden, until the early 1700s when the Great Northern War led to the cession of the territory to the Russian Empire. Timeline of Estonia's Modern History – On November 28, 1917 the Estonian Provincial Assembly proclaimed itself "Estonia's sole bearer of a higher power." The Assembly urged Estonian soldiers to gather from all over Estonia. This date is often referred as "The Real Estonian Independence Day." – The Estonian National Awakening in 1918 led to the declaration of country's independence. – Independence Day, observed on February 24, is a national holiday in Estonia marking the anniversary of the Estonian Declaration of Independence. – The declaration was followed by the War of Estonian Independence on June 23, 1919. The troops defeated a German division during the Battle of Võnnu and the war ended with the Tartu Peace Treaty that allowed Estonia to become independent. This event is celebrated in Estonia as the Victory Day. Since 1934, Victory Day has been celebrated on June 23 every year. – On February 2, 1920, Estonia and Soviet Russia signed the Tartu Peace Treaty making Estonia a de jure independent state. – On August 6, 1940, Estonia was annexed by the Soviet Union as the Estonian SSR. – The country was annexed by Germany in 1941, and again by the Soviet Union in 1944. – On September 6, 1991, the Soviet Union recognized the independence of Estonia. Singing Revolution in Estonia Estonia is perhaps the only country in the world that used song as a 'weapon of choice' for the countrywide revolution (from 1987 to 1991) against decades of Soviet occupation. The Singing Revolution was named so to acknowledge the role singing played in building up protests in the mid-80s. In fact, songs have always been the glue keeping the Estonians united. From singing national songs and hymns forbidden in those days to staging demonstrations, various acts of defiance planted the seeds of revolution. It is one of the most non-violent revolutions that overthrew Soviets and re-established Estonian independence in 1991. It was during the festival called "Song of Estonia" in September 1988 that the political leaders took a proactive part, and for the first time insisted on restoring independence. Geography Estonia is located along the Baltic Sea, with a coastline along the Gulf of Finland and the Gulf of Riga. Also included in Estonia's territory are 1,520 islands off the coast. The largest of the islands are Saaremaa and Hiiumaa. Saaremaa is home to a cluster of nine meteorite craters, known as Kaali, the largest of which has formed Kaali Lake. Estonia's terrain features mostly lowlands, with a low average elevation of about 50 meters (164 feet), while in the southern hilly region, its highest point is at Suur Munamagi, or Egg Mountain, at 318 meters (1,043 feet) above sea level. The main rivers in Estonia are the Narva and the Emajogi. Estonia is home to about 1,500 lakes, while its most important lakes are Lake Peipus along the Russian border and Vortsjarv. Neighboring Countries Estonia is bordered by Latvia and Russia, and lies across the Baltic Sea from Finland and Sweden. Major Cities Tallinn (capital): One of the best preserved medieval towns in Europe, Tallinn is known for its magnificent city walls and towers. Tartu: The second largest city in Estonia is also home to one of the oldest universities in Europe. The origin of this 'student town' dates back to 1030. Pärnu: The seaside town (also considered as Estonia's summer capital) is famous for its white sandy beach and beautiful parks. Points of Interest The capital of Estonia, Tallinn, is one of the must-visit places for the medieval charm it exudes. Tallinn's Old Town, the historic center on the hill of Toompea, features architecture constructed mainly from the 15th to 17th century. Notable sites are the Alexander Nevsky Cathedral, a grand Russian Orthodox church, and St. Mary's Cathedral, which is the city's oldest (1229 A.D.). The city is home to markets, museums, and palaces. Estonia has several popular resort destinations including the towns of Haapsalu and Parnu. The adventure lovers can head to the national parks like Soomaa National Park, Vilsandi National Park, and Matsalu National Park. The country's two main islands have plenty to offer with Saaremaa being home to the Kuressaare Castle, the Kaali meteorite craters, and lakes and forests. Hiiumaa, which is the second largest island in Estonia, has historic sites, a lighthouse, and the Suuremõisa castle. Transportation The main international airport in Estonia is the Lennart Meri Tallinn Airport. It is a major transport hub of the Baltic region. Other important airports, Tartu Airport and Kuressaare Airport, are great for domestic flights with some regional service. Trains are available from Moscow as well as some domestic destinations between Tallinn and Tartu. The bus system is more extensive, offering connectivity to most cities in the country, as well as connections to Saint Petersburg, Warsaw, and several other cities in the neighboring countries. The roads in Estonia are well networked and of varying quality and upkeep, but the major routes are fine. Ferries are available from Sweden, Finland, and Germany, and smaller boats can be chartered between mainland Estonia and its islands. Trivia Lake Peipsi (3555 sq km) on the Estonian-Russian border is the biggest transboundary lake in Europe. Estonia was the first nation to use online voting in politics. It is considered the least religious country in the world. Estonians have one of the biggest collections of folk songs. ACOD~20131217 Last Updated : July 25 ,2015 At Thompson Healthcare & Sports Medicine, our goal is to help our patients achieve their full potential and optimal health in life. We pride ourselves in being a one-stop solution for all your musculoskeletal needs for you and your entire family. Individualized treatment plans. Each patient in our office receives individual, personalized attention to ensure we address and relieve any discomfort. Our office atmosphere is caring, friendly, and a place where you will immediately feel part of the Thompson Healthcare family. Affordable, efficient and effective results. We are able to maximize results and assist you in obtaining your optimal health through a combination of methods including approaches with chiropractic medicine, sports rehabilitation, acupuncture, and massage therapy – all of which can re-program your body and relieve pain.
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As an owner of a share, whether a tennis player or a family of tennis players, booking rights are the same whereby one share can book one court up to five days in advance. All fees are paid upfront with low annual dues, one fee per share. Such fees include all home and away USTA matches. Our key club facility is beautifully maintained with 4 indoor hard courts offering premier lighting and 4 outdoor Har-Tru courts from Spring through Fall. USTA offerings: For the NH 2015 season (September through June), Seacoast Tennis Club is hosting 6 USTA teams. Only shareholders may play on any of our USTA teams during the winter months, but during the Spring NH 40+ season, outdoor summer members are offered the opportunity to play on our spring teams with an additional $10 indoor court fee each time they play indoors. Become an OWNER: Seacoast Tennis Club is currently building a wait list to be notified when any shares become available for sale. For more information, please visit our membership page. If you would like to visit, a tour of the facilities can be arranged. Outdoor Summer memberships: Seacoast Tennis Club offers a limited number of outdoor summer memberships beginning in Spring through the Fall. Unlimited play is on four of the finest outdoor Har-Tru courts in the area. Find out more about outdoor summer membership here.','url':'http://seacoasttennis.com/','og_descr':'Seacoast Tennis Club in North Hampton, NH is a member-owned club that offers indoor and outdoor courts and professional tennis instruction for all ages. Adobe is changing the world through digital experiences. We help our customers create, deliver and optimise content and applications. IK Multimedia designs and manufactures apps, software, hardware and accessory products for music creation and playback on computers and mobile devices. IK Multimedia announce Amplitube 4 Simulated 3D speaker cabinet, two mics and more available in new version. IK Multimedia have today announced the launch of. IK Multimedia designs and manufactures apps, software, hardware and accessory products for music creation and playback on computers and mobile devices. Imagine this… you turn on your computer before breakfast and buy a Fender Twin for $20 and the Seymour Duncan Shape Shifter pedal for $10. Immediately it's in your signal chain. You record the "missing riff" and email it to the producer. Bam! Just like that you've added to your high-end gear collection, only spent "couch money" on it, and made a royalty — all while still in your pajamas. Wake up… you're not dreaming. Site1sku240549000000000 site1prod240549 240549 IK Multimedia StealthPlug Guitar/Bass USB Audio Interface Cable + AmpliTube 2 Live Software { 'maxTerm': 10, 'maxItem. 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Municipal Bonds: Understanding the Fundamentals Market Commentary RECENT EVENTS IN THE MUNICIPAL MARKET UNDERSCORE the importance of understanding the nuances of municipal bonds. Investors who can discern the fundamental characteristics of municipal bonds will be better equipped to identify risks within this asset class. One such characteristic in determining which municipal bonds may be appropriate are the differences between two common repayment pledges: tax-supported bonds and revenue bonds. August 2015 The sources of pledged revenue for bond repayment are diverse and often times complicated. Broadly speaking, pledged revenues fall into two basic categories: taxes, which support securities such as general obligation (GO), income tax and sales tax bonds, or project related revenues that support revenues bonds. The former tend to be issued by states and local governments and the latter by utilities, transportation agencies, and health care providers. As the chart below shows, new issuance in the municipal market is predominately revenue-backed. In the examples below, we focus on general obligation bonds issued by local governments and revenue bonds issued by essential service utilities. Beth Dougherty Vice President, Senior Research Analyst Nuveen Asset Management, LLC Municipal Bond Issuance: Revenue vs GO (based on par amount at issuance) Revenue Bonds 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 GO Bonds *2015 data is January through July only. Source: The Bond Buyer. NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Municipal Bonds: Understanding the Fundamentals August 2015 General Obligation Bonds General obligation (GO) bonds are loans backed by a state or local government’s full faith and credit, generally including its authority to levy taxes, most often property taxes. Frequent issuers of GO bonds are states, counties, cities and school districts. For states, this constitutes a pledge of its primary operating fund, or General Fund, receipts. For the local governments, the GO pledge is most commonly a covenant to levy property taxes to repay principal and interest, and therefore, the debt service due on a general obligation bond is supported by property tax collections. Failure to pay a property tax bill can lead to the loss of title to the property, providing a strong incentive for payment of property taxes and thereby making the payment stream for debt service fairly secure. When a local government issues bonds backed by its pledge of property taxes, the security is often referred to as an ad valorem tax pledge. The ad valorem tax pledge can be limited or unlimited as to the rate applied or the amount collected. If the pledge is unlimited, there are no constraints on the municipality’s ability to raise taxes to pay debt service. However, the ability to issue unlimited tax debt often requires voter approval and therefore can be more difficult to issue than limited tax debt. Also, the tax levied for these bonds can only be used to pay debt service. The revenues cannot be used legally for any other purpose. If the tax pledge is limited, the municipality may only increase the property tax up to a certain rate and/or dollar amount. The issuance of limited tax bonds does not usually require voter approval and, depending on the legal structure, the tax collections may or may not be redirected to other expenditures. The credit analysis of an issuer’s general obligation bonds typically focuses on four key factors: local economy and socio-demographics, health of financial operations, debt profile, and the strength of management of the issuer. As GO bonds are typically backed by property taxes, the health of the local tax base and economy is an important indicator of its ability to support debt repayment. The issuer’s financial position provides a picture of what services the local tax base is (or is not) able to support as well as management’s effectiveness of working within certain economic and/or political constraints. A municipality’s debt profile will reflect how much, or little, debt it is already carrying and its capacity to meet additional borrowing needs. The analysis of management often goes hand in hand with the previous three factors as internal policies and historical practices regarding economic development, financial operations, and debt issuance reflect strength of management. Though certainly not exhaustive, some common questions examined as part of the GO analysis are: ▪▪ Where is the municipality located? What is the size and composition of the tax base? What is the socio-demographic profile of its residents? ▪▪ How healthy is the employment base? Is there concentration in any given industry or employer? 2 Municipal Bonds: Understanding the Fundamentals ▪▪ What is the trend of financial operations? Is this supported by internal policies? Does the municipality retain any financial flexibility or reserves? ▪▪ How leveraged is the tax base and could it support additional borrowing? August 2015 expenditures (including debt service), and requirements for issuing additional bonds. The strength of these covenants, the revenue pledged, and the credit characteristics of the issuer are all important factors in determining a bond’s creditworthiness. Analyzing these characteristics of an essential service revenue bond is somewhat similar to analyzing a general obligation bond. In the analysis of a revenue bond, we examine the qualities of the customer base and physical infrastructure, health of financial operations, debt portfolio, and quality of management. While the general factors are similar to that of GO bonds, the supporting traits are quite different. Instead of looking at the size and composition of the tax base, the diversity and size of the customer base is examined because it directly affects the strength of billing collections. Notably, the largest customers of the enterprise system, consuming the greatest volume of services, may not be the ones that pay the most. Also, the service area of an essential utility can extend far beyond the boundaries of a municipality and may provide wholesale service to other nearby municipalities. When examining the ability of a utility to cover its expected debt service, an analyst will consider: ▪▪ Who are the major users and largest billing accounts? Is there a concentration of industry or any single user? What is the size and growth trend of customer accounts? ▪▪ How competitive are rates, and does management have the willingness and ability to raise them? How strong are reserves compared to operation and maintenance expense? ▪▪ What is the ratio of net revenues to annual debt service and maximum annual debt service? ▪▪ How much debt has the utility taken on, and are there additional capital needs? Most often, these utilities are legally tied to a local government, like a city water department, making them subject to the same management that oversees the general municipal operations. In such cases, it is rare that the essential service revenue bond would be considered to be of higher credit quality than the municipality’s general obligation pledge, in part because they likely share the same management team. However, on occasion, it is deemed that the revenue bond will be considered the stronger of the two credits. The city of Toledo (OH) and its water utility is one such example. Moody’s Investors Service has public ratings of A2 on the city’s general obligation bonds and Aa3 on the water revenue bonds, indicating that the rating 3 While general obligation bonds represent a very strong pledge, they are not completely free from challenges. Spending and policy agendas are authorized by elected officials, be they governors, mayors, city councils, or school board officials. As a result, political pressures can influence budgetary decisions to raise taxes and/or cut costs. Though ad valorem general obligation bonds often benefit from a legally designated debt service levy, there are occasions when this levy is abated and other available revenues are applied to debt service. In this instance, when there are downswings in the economy and those other revenues are no longer sufficient to cover debt service, management will face the decision to raise its overall property tax levy or make other operating cuts to accommodate debt service. As recent debate has shown, both options can be politically challenging. Essential Service Revenue Bonds Essential service utilities provide critical services such as water, sewer, and electricity. They are considered essential services due to their importance in maintaining public health and safety, and providing infrastructure that promotes economic growth. The revenues generated by these utilities are primarily user fees, wholesale contracts, connection fees, and investment income. The fees and contracts are set by the utility, though in some states there may be an oversight entity that must approve rate increases, which could limit the ability to raise revenues. A revenue bond is secured by either a gross revenue pledge or a net revenue pledge, with the latter being more common. A gross revenue pledge promises to pay bondholders prior to any other expenditure. Under a net revenue pledge, the utility’s operation and maintenance expenditures are paid prior to debt service. As bondholders are ultimately dependent on the system to generate additional revenue for future debt service, it is reasonable that operations and maintenance be paid prior to debt service so that the system remains functional over the long term. When issuing revenue bonds, the utility makes legal commitments – known as covenants – such as the structuring of rates, the order in which revenues will be applied across various Municipal Bonds: Understanding the Fundamentals August 2015 agency likely believes the water revenue bonds to be of higher credit quality.1 Though not specifically identified by the rating agency, reviewing the two reports reveals three important points: ▪▪ The water utility’s service base extends far beyond the city. Toledo’s customer base accounts for only 57% of water consumption; remaining demand is from customers in three Ohio counties and another in Michigan. ▪▪ The water utility’s financial operations appear to be in better shape than the city’s general operating funds. Moody’s describes the city’s General Fund as “challenged.” ▪▪ The utility is a closed loop system so it is protected from the city raiding its funds. A major limitation of essential service revenue bonds is that revenues are dependent on what the utility can generate through user and other fees. There is no taxing authority to back the bonds. Also, revenues and expenditures can be volatile due to weather events, slowdown in development resulting in lower connection fee revenues, or a change in supply costs. Adjusting rates mid-year to increase revenues is not always possible as rates in some states must be approved by another agency or regulatory body. Like property taxes, increases in utility rates can also be politically challenging due to their essential nature. Conclusion As investment opportunities, general obligation and revenue bonds each provide relative value and risk. Understanding the basic differences of these bonds can provide a solid foundation upon which to build an appropriate strategy for an investor considering municipal bonds. The key to balancing these securities within an investor’s portfolio is to understand their investment goals and support those goals with fundamental credit research. ▪ For more information, please consult with your financial advisor and visit nuveen.com. 1 Moody’s Investors Service: New Issue Report, City of Toledo (OH), September 11, 2014. Moody’s Investors Service: New Issue Report, City of Toledo (OH) Water Enterprise, July 7, 2015. RISKS AND OTHER IMPORTANT CONSIDERATIONS This information represents the opinion of Nuveen Asset Management, LLC and is not intended to be a forecast of future events and this is no guarantee of any future result. It is not intended to provide specific advice and should not be considered investment advice of any kind. Information was obtained from third party sources which we believe to be reliable but are not guaranteed as to their accuracy or completeness. This report contains no recommendations to buy or sell specific securities or investment products. All investments carry a certain degree of risk, including possible loss principal and there is no assurance that an investment will provide positive performance over any period of time. It is important to review your investment objectives, risk tolerance and liquidity needs before choosing an investment style or manager. The risks of investing in municipal bonds include, but are not limited to, interest rate risk and credit risk. The value of, and income generated by debt securities will increase or decrease based on changes in market interest rates. As interest rates rise, bond prices fall. Credit risk refers to an issuer’s ability to make interest and principal payments when due. This risk is heightened for longer-term bonds. Below investment grade bonds carry heightened credit risk and potential for default. Nuveen Asset Management, LLC is a registered investment adviser and an affiliate of Nuveen Investments, Inc. Nuveen Investments 333 West Wacker Drive Chicago, IL 60606 nuveen.com GPE-UNDMB-0815P 10037-INV-AN-08/16 Facebook inks a deal with French satellite company Eutelsat to provide wireless Internet access to Africa. Perfect for travelers these Sony noise canceling headphones deliver remarkable noise reduction with vivid audio. While soft earpads provide long-term comfort, the folding design, stows conveniently in a carry-on. 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