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Fed's Beige Book Shows Economy Is Growing, But Oil Concerns Linger. The latest Beige Book from the Federal Reserve shows that Fed sees the essays paper economy expanding a modest to moderate pace in most of its 12 districts. The Beige Book is a report of economic anecdotes gathered by members of the chris Federal Reserve's 12 districts. Essays Paper Done? Concerns about the impact of the decline in oil prices are fairly widespread, however. Reports from the Dallas district said that energy outlooks for the first half of 2015 in Texas are very uncertain and significantly weaker than in the prior reporting period, with firms expecting anywhere from a 15 to experience 40 percent decline in demand for their services.

In the Atlanta district, contacts in the energy sector, reported that the downturn in the price of essays paper done oil has influenced their outlook and strategic planning for on employee, 2015, including a heightened focus on cost management, more prudent investments, and faster, more efficient drilling techniques. Reports from the Kansas City district said, The District's energy industry slowed in December. Most respondents reported lower drilling activity, and essays, demand for vacation essay, oilfield services fell. Oil rigs decreased marginally while natural gas rigs increased. Future drilling activity, employment, and capital expenditures were projected to be significantly lower in response to lower oil prices. The report also indicated that consumer spending increased in most districts while auto sales remains solid. On the essays done wages front, the report said that significant wage pressures were largely limited to theory of evolution workers with specialized technical skills. Essays Paper? On balance, however, the report showed that most districts reported modest or moderate pace of vacation at the economic growth. Here's the essays complete text of the latest Beige Book: Payrolls in a variety of most shopping experience sectors expanded moderately during the essays done reporting period.

Significant wage pressures were largely limited to hoover workers with specialized technical skills. Prices increased slightly, on balance, in most Districts. Consumer Spending and paper, Tourism. Consumer spending increased in most Districts, with generally modest year-over-year gains in retail sales. Contacts reported slight to modest gains in the Boston, Dallas, Philadelphia, and Cleveland Districts. Sales were solid in Atlanta. Moderate holiday sales growth exceeded expectations in Chicago and met expectations in San Francisco. General merchandise retailers in the New York District indicated that sales were largely sluggish and below plan for vacation at the beach, the holiday season. The Kansas City District reported that retail sales were lower than a year earlier, with a few retailer contacts noting a drop in essays done sales of thesis on impact high-end products. In contrast, Philadelphia and San Francisco reported that high-end merchandise continued to sell well.

Auto sales showed moderate to strong growth on a year-over-year basis, with Philadelphia, Cleveland, and Dallas at the lower end of this range, and Atlanta and Chicago at the higher end. Atlanta auto dealers noted that lower gas prices quickly boosted purchases of larger vehicles. However, some dealers in the St. Louis District reported excess inventories of essays paper luxury cars. Kansas City reported that auto sales decreased during the reporting period but remained higher than 12 months earlier. Auto sales were robust in thesis on impact of motivation some areas of the San Francisco District, but were somewhat below expectations in other areas. Travel and tourism picked up during the reporting period. Essays? The Boston, New York, Atlanta, and San Francisco Districts reported strong travel and tourism activity. Broadway theaters reported that attendance and revenues were up more than 10 percent from the same period in 2013. Tourism in chris thesis the Richmond and Kansas City Districts was at paper or above normal seasonal levels.

However, ski resorts in the Philadelphia District struggled to beach or in the mountains attract visitors in the midst of essays done unseasonably warm weather. Warm December weather in the Minneapolis District also reduced winter tourism there. Chris Thesis? The pace of demand growth for nonfinancial services varied widely across Districts and sectors during the reporting period, but appeared to done be moderate on balance. Overall, nonfinancial service-sector firms in the Philadelphia and San Francisco Districts continued to report moderate growth. Most nonfinancial service firms in the Dallas District reported flat or higher demand. Activity at professional business services firms in Minneapolis and Kansas City increased. However, contacts in the Kansas City District expect that pace of growth to unusual slow somewhat in paper coming months. The Boston District reported that some consulting and advertising firms grew rapidly. Demand for staffing services in the Dallas District was mixed, with some contacts reporting strong increases in demand and others reporting slight decreases. Freight volume in the Cleveland District increased during the reporting period, but contacts stated that freight transportation capacity constraints remained an character essay, issue. Freight volume in essays Atlanta, Kansas City, and Dallas held steady or increased on a year-over-year basis.

Manufacturing activity expanded in most Districts. Philadelphia reported that manufacturing activity grew at a modest pace during the current reporting period, with a slight slowdown relative to the previous period. Reports regarding new orders and shipments in the Philadelphia District suggested some further slowing moving forward. Chris? Manufacturing shipments and essays paper done, new orders grew modestly in the Richmond District. Contacts at factories in the Cleveland District reported that demand increased a bit on balance. Manufacturing activity grew at a moderate pace in Boston, New York, Chicago, and San Francisco. However, a manufacturer in the Boston District indicated that congestion at West Coast ports had impeded its exports. Activity in the auto industry in the Chicago District remained a source of strength for on employee, the region. Atlanta reported that manufacturing activity strengthened overall.

Minneapolis and Kansas City reported that manufacturing activity increased only slightly during the reporting period. Real Estate and Construction. Single-family residential real estate sales and essays paper done, construction were largely flat on balance across the Districts. Genocide Essays? Sales declined somewhat on a year-over-year basis in the Boston, Cleveland, Atlanta, Chicago, Minneapolis, Kansas City, and Dallas Districts. In the Philadelphia District, year-over-year existing home sales finished lower in November, but pending December sales in essays some areas were up notably over rwandan genocide December 2013. However, builders of essays paper done new homes in essay theory the Philadelphia District reported weak traffic for prospective buyers and fewer contract signings. San Francisco reported that overall home sales picked up in essays paper done December. Richmond reported a modest increase in thesis on impact on employee housing market activity. Home prices increased modestly, on done balance, in the Boston, Philadelphia, Cleveland, Atlanta, Chicago, and experience essay, Dallas Districts. The Cleveland, Atlanta, Chicago, Minneapolis, and Kansas City Districts all reported slightly slower single-family residential construction activity.

However, the pace of single-family home construction increased in some areas of the essays paper San Francisco District. Commercial real estate activity expanded in most Districts. The Philadelphia District reported a modest pace of growth for commercial real estate leasing activity, and Boston reported improving conditions in chris thesis commercial real estate markets overall. Commercial real estate activity in the Chicago and Kansas City Districts expanded at essays paper done a moderate pace. The Dallas District noted that office leasing activity remained strong, but one contact noted a slight pullback in demand from oil and gas firms. Demand for apartments in the Dallas District also remained strong. New York City's co-op and condo market showed continued strength in the final quarter of 2014; apartment sales volume was down from the exceptionally high levels of the prior year but still fairly brisk, while selling prices were up moderately. Commercial construction activity increased in most Districts. Activity grew modestly in the Philadelphia District and a bit faster in essay the Atlanta and Chicago Districts.

Atlanta cited the paper done multifamily residential segment as a source of growth, while Chicago credited demand for industrial and office buildings. Commercial builders in the Cleveland District reported a moderate to robust increase for projects in the pipeline. Dallas reported that overall commercial construction was strong. San Francisco reported that multifamily residential construction was strong in essays many areas of that District and that retail, office, industrial, or infrastructure projects were widespread across that District. Demand for business and consumer credit grew during the reporting period. Overall loan demand increased slightly in essays paper done the Richmond, Kansas City and Dallas Districts. Philadelphia reported a modest increase in total loan volume. Contacts in the San Francisco District gave mixed reports regarding total loan growth.

Demand for business credit in the Cleveland District grew overall during the reporting period. Demand for auto loans in the Chicago District grew moderately, and one contact noted a significant spike in credit card applications. Credit quality generally remained good, with overall reductions in loan delinquencies. According to the Philadelphia District, most of their financial industry contacts reported continued improvements in their customers' overall credit quality and in their own loan portfolios. However, high rates of severely distressed mortgages persisted in New Jersey and essay prompts, Pennsylvania. Contacts reported little change in their own lending standards.

However, several Districts commented that their contacts indicated that stiff competition for high-quality borrowers was leading to lower underwriting standards among lenders more generally. Agriculture and Natural Resources. Agricultural conditions were mixed during the reporting period. Contacts in paper the Richmond District reported that agribusiness conditions were better than in genocide essays the same period a year earlier. The St. Essays Paper Done? Louis District reported that winter wheat harvests are likely to be lower than average, largely reflecting planting delays in Illinois due to theory wet weather in October. The level of red meat output in the St. Louis District through November was below year-earlier levels, while hog and done, milk output in the Chicago District was higher than expected during the reporting period. Agricultural lenders in the Minneapolis District expected farm incomes in the fourth quarter of 2014 to come in below the level of the same quarter in 2013.

Prices received by farmers in the Minneapolis District in December decreased from the previous year for corn, soybeans, wheat, hay, and milk; prices increased for cattle, hogs, eggs, and poultry. Agricultural growing conditions in the Kansas City District were generally favorable in December, and crop prices rose modestly. Kansas City reported that wheat prices increased modestly amid global supply concerns about limits on Russian grain exports and lower production estimates in Australia. The Dallas District reported that agricultural conditions improved slightly, but drought conditions continued in portions of Texas. Some areas of the Atlanta District saw a moderate improvement in drought conditions. Dairy farm profits in on employee the San Francisco District increased significantly over the past year, but milk futures prices declined recently. Uncertainty regarding future water availability in California slowed new plantings of permanent crops. Overall demand for energy-related products and essays, services weakened somewhat during the on impact reporting period. The Kansas City and essays done, Dallas Districts reported that demand for oilfield services decreased, while the Atlanta District reported that growth in the supply of vacation at the beach the mountains crude oil and natural gas continued to outpace demand growth.

However, contacts in the San Francisco District reported that energy demand from manufacturers was solid. The overall output of energy-related products increased. Natural gas production in the Richmond District increased moderately during the reporting period, and the number of natural gas rigs in the Kansas City District increased. The pace of coal production in the St. Louis District during the paper reporting period exceeded that of the same period in 2013, and prompts, year-to-date coal production in the Cleveland District slightly exceeded prior year levels. The rate of coal production in the Richmond District remained slow during the reporting period.

The Cleveland District reported that natural gas extraction activity remained at a high level. Oil drilling activity in the Kansas City District declined, and contacts expect that District's energy sector to slow further in response to lower energy prices. Employment, Wages, and paper done, Prices. Payrolls in a variety of sectors expanded moderately during the reporting period. The Chicago District reported that overall hiring increased, and the Minneapolis District indicated that labor markets continued to tighten. Contacts at staffing firms in the Philadelphia District reported continued moderate increases in hiring for both temporary and essay theory, permanent positions. Labor demand in the Richmond District increased, and the Atlanta District saw job gains across most sectors. Payrolls increased at a modest pace in essays the Cleveland District, primarily in banking, freight services, and manufacturing. Manufacturing payrolls also expanded in prompts the Richmond and St. Louis Districts.

In contrast, the Boston District reported that manufacturers were not hiring. Reports of hiring in the Dallas District were slightly less widespread than in the previous reporting period, and essays paper, a few energy firms in that District reported hiring freezes and layoffs. Significant wage pressures continued to be limited largely to workers with particular technical skills. Indeed, the Philadelphia, Cleveland and Chicago Districts noted that upward wage pressures tended to be limited to experienced and technically-skilled personnel. The Richmond District reported that overall wage pressures were mild during the reporting period and that average wage growth in manufacturing slowed somewhat. The Dallas District noted fewer reports of rising wage pressures than in the previous reporting period. In contrast, Kansas City reported that wage growth accelerated slightly, with many contacts citing labor shortages. Prices increased slightly, on balance, in most Districts during the reporting period. Overall prices in the Cleveland, Chicago, and Dallas Districts were largely stable.

Businesses in thesis on impact of motivation on employee the Atlanta District continued to paper report little input cost pressure and limited pricing power. Boston indicated that cost pressures varied, with selective price increases planned by some respondents. Contacts in the Philadelphia District reported little change to the steady, slight pace of price increases. Overall prices increased modestly in the Kansas City and San Francisco Districts. The Richmond District reported that retail prices grew at a slower pace than in the previous reporting period, while price inflation in the non-retail service sector increased slightly.

The Cleveland District reported scattered indications of declining prices for petroleum-based products and some metals. However, several Districts reported that the genocide cost of a variety of construction materials increased. Retail respondents this round report December or Q4 year-over-year comparable-store sales ranging from a low single digit decrease to essays paper an increase of genocide slightly over 7 percent; the decrease reflects extra-strong year-earlier sales as a result of essays Hurricane Sandy rebuilding. Three of these contacts end their fiscal year on or near December 31, and preliminary analysis shows 2014 total sales down 1 percent to up almost 6 percent compared to 2013. While overall business is good, there has been some softening in the apparel categories; demand for home furnishings and home improvement categories remains strong. One contact characterizes the current daily retail environment as consisting of higher highs and character prompts, lower lows. As in the previous round, some respondents say their prices remain steady, while others cite price changes for some items of plus or minus 1 percent. Based on their own manufacturing costs and essays done, vendor prices, one contact says that prices for fall 2015 merchandise will be up about 3 percent overall from fall 2014. Most retail respondents are optimistic about the chris hoover thesis outlook for 2015, given that business is currently good and consumer sentiment seems more positive, partly because the cost of oil is low.

The Boston area continues to enjoy a strong boost from travel-related spending. Hotel occupancy rates for 2014 are high and combined with higher average room rates, the preliminary estimate is that 2014 hotel revenues will be up almost 10 percent over 2013, which was a record-setting year. Through October, museum attendance was up 14 percent year-over-year, and contacts note many bookings of restaurant and essays done, museum space for or in the mountains, year-end functions. 2015:Q1 will be stronger than 2014:Q1 due to paper done more corporate meetings and on the theory, conventions, and hotels have strong advance international bookings. The initial projection for 2015 is a 7 percent increase in hotel revenues, with a slight drop in essays occupancy rates from rwandan genocide essays, record highs compensated for essays paper, by higher average room rates. Manufacturing and Related Services. Of the essay on the theory of evolution 11 manufacturing firms contacted this cycle, all but one report stronger sales. The exception is a frozen food producer who attributes the done weakness to a highly competitive market. On The? Otherwise, many contacts express surprise at how strong demand has been in 2014. For example, one firm says that sales of mail-related devices and services was up in the fourth quarter, reversing years of decline. A manufacturer of testing equipment says sales are strong overall but flat in China, a big change from historical annual increases of 20 percent.

By contrast, a toy manufacturer says problems at West Coast ports has hurt sales as they couldn't get some products to market. Only one of 11 contacts reports serious materials cost pressure; that contact cites sharp increases in chemical prices and says the firm will try to paper raise their sales prices to offset the increased costs. Four contacts indicate the thesis strengthening dollar is reducing profits or raising costs for them overseas. Paper? A semiconductor manufacturer notes that the rising dollar reduced dollar sales by about 1.2 percent in 2014. No firms report any significant changes in inventories. Most are trying to lower inventory costs; however, a semiconductor maker wants to increase inventories but a tight supply chain makes that difficult. Only one contacted manufacturer reports lower employment; they closed their direct sales channel which led to a 400-person reduction in headcount.

A pharmaceutical firm is adding to New England employment. On the negative side, no firms report significant upward revisions to their hiring plans and five cite no significant headcount increases. A semiconductor manufacturer with sharply higher sales is increasing overtime rather than headcount. Capital expenditures are steady or up at character prompts all but one contacted firm; the exception is a publishing company which says it is essays done considering reducing investment to build up a reserve for future investments. Some contacts do report unusually high levels of investment but generally say they are consistent with long-term plans and not due to high frequency changes in essay prompts demand.

The outlook is positive for all respondent manufacturers, even though three contacts specifically mention Europe as a cause for concern. One semiconductor manufacturer predicts a fall in sales in essays paper 2015 but as payback for above-trend growth in essay of evolution 2014. Selected Business Services. Consulting and advertising firms experienced varying positive levels of growth this past quarter. Growth ranges from moderate--for a high-end economic consulting firm as mortgage-backed securities litigation finally slows--to rapid, for a particularly well-positioned healthcare consulting firm. A second healthcare consulting firm experienced a strong rebound from a slow third quarter, as hospitals figured out their budgets and demanded more help with compliance. A strategy consulting firm reports strong year-over-year growth, but is essays done down modestly from last quarter, as private equity due diligence work returns to historically normal levels.

An advertising materials firm continues its trend of growing with the economy, and capped off the year with their strongest quarter in chris hoover thesis 2014. Consulting firms are seeing moderate to modest increases in costs, although the bulk of essays paper their expenses are in personnel and rent, and wages in these firms are generally increasing in proportion to the level of growth the firm is essay experiencing. Contacts generally adjust their prices up once a year to pass the majority of costs along, so early 2015 will see most firms' prices for these services increase from done, 0 percent to 5 percent. An advertising materials firm will have to adjust their cost structure in early 2015 in anticipation of a revision in UPS and FedEx freight calculations, but they are unsure how much resistance they will face as they try to pass this on to customers. Thesis? All contacts increased personnel modestly in 2014, and plan on essays further increases in 2015. Health care and on impact of motivation on employee, economic analysis contacts cite plenty of slack in labor markets for consultants and analysts at all levels, but say that tech and paper, data analyst positions continue to be competitive to fill, a sentiment echoed by an advertising materials contact who notes continuing difficulty filling e-commerce related positions. A strategy consultant notes decreased interest in strategy consulting by MBAs. All contacts are bullish on thesis of motivation on employee the U.S economy, and are optimistic about business conditions for the next year. The high end economic consultant expects flat to modest growth for next year, but says the firm has been operating beyond capacity, and looks forward to the chance to paper done absorb their recent success. Health care consultants have seven-figure deals in the pipeline, and anticipate high growth in 2015, despite general concern over chris hoover federal budget and essays paper done, regulatory agencies efforts to continue rolling out the Affordable Care Act. Advertising materials and strategy consulting firms both anticipate continued robust growth for chris, 2015, and cite only potential geopolitical turmoil as a risk factor.

Commercial real estate markets are steady or improving in the First District. According to contacts in essays done Boston, office leasing fundamentals are unchanged since the last report and improved modestly on average compared with a year ago. Contacts continue to chris thesis be impressed by the strength of demand for commercial property in Boston among foreign investors, who continue to pay prices that reflect highly optimistic expectations concerning growth in operating income. A regional lender to commercial real estate posted its best year yet in terms of loan volume, despite a very slow fourth quarter. A commercial real estate brokerage in Portland also had a record year in 2014 in terms of total revenues, a year that ended with very strong investment sales activity in the fourth quarter. Also in Portland, construction activity remains robust in the retail, residential, and hospitality sectors, while speculative office construction is paper done not expected to character essay prompts occur for at least another year. In Providence, leasing deals under negotiation promise to boost absorption of office space in the near term, and office leasing fundamentals improved on net in paper done 2014. Concerning the outlook, Boston contacts expect investment sales activity to remain robust, even if short-term or long-term interest rates increase in 2015. One Boston contact wonders whether growth among the city's tech start-up firms can be sustained in 2015, noting attendant risks for office demand in the Seaport District.

The 2015 outlook is favorable for Portland's commercial real estate market and cautiously optimistic for the Providence market. Closed sales of single family homes declined in November in at thesis on employee least four of the six states in the First District compared to November 2013. Vermont saw an increase in sold homes; contacts in New Hampshire were unavailable. Sales also dipped in the condominium (condo) market in paper all responding states. Median sales prices rose in November in on impact of motivation both single family and condo markets regionwide, with the exceptions of Maine, where prices decreased for single family homes, and Connecticut, where condo prices declined. In Massachusetts, prices have risen year-over-year in 25 of the last 26 months for single family homes and 17 of the last 18 months in the condo market. Contacts in Massachusetts say the essays paper done driving forces are a shortage of inventory and steady consumer demand. The level of inventory heading into experience essay, December in Massachusetts is the lowest in a decade, with only essays, a 4.6 month supply for single family homes and a 2.0 month supply in the condo market.

November is the 33rd consecutive month of year-over-year inventory decline in the Massachusetts single-family home market and the 49th consecutive decline in the condo market. In at least three other states, inventory declined in both the single family and condo markets; months of supply increased in vacation at the beach Rhode Island. Realtors say they are cautiously optimistic because they remain busy; they hope interest rates will remain low and essays paper, say markets will show further significant improvements only when high paying jobs become more available and chris thesis, new listings provide more options for buyers. General merchandise retailers indicate that sales were generally sluggish and below plan for the holiday season overall. Essays Done? However, most retail contacts noted that, while November and early December were sluggish, sales did pick up toward the latter part of the month, especially in the week after Christmas. The mid-November snowstorm that hit large parts of metropolitan Buffalo shut down many retailers for a number of days; in of motivation general, contacts in paper done upstate New York note that sales picked up somewhat in December (especially toward the end of the hoover month) but were little changed from the done prior holiday season. Similarly, two major retail chains report that holiday-season sales across the region were below plan and little changed from 2013 levels, though both noted that sales picked up toward the latter part of December--especially after Christmas. Overall, prices were described as little changed from most unusual experience essay, a year earlier; some contacts report heavier discounting this past holiday season than in essays 2013, while others characterize it as about the most unusual experience essay same. Essays Paper Done? Post-holiday inventories are generally said to be in on impact on employee fairly good shape. Paper? Reports from thesis, auto dealers across upstate New York indicate that sales were sluggish in essays paper done November but picked up somewhat in December. Rochester-area dealers note that new vehicle sales weakened substantially in November but rebounded in early December, while used car sales improved.

Buffalo-area dealers paint a more mixed picture: new auto sales have not rebounded substantially from November's weather-depressed levels, though sales of essay theory used vehicles have picked up somewhat. Auto dealers in essays both areas note that both wholesale and retail credit conditions remain favorable. Consumer confidence in the region climbed in December, based on the Conference Board's survey of residents in the region. Confidence rose to thesis a 10-month high in New York State and to a more than one-year high in the broader Middle Atlantic region (NY, NJ, PA). Essays? Tourism continued to be strong in late 2014. Broadway theaters report that attendance and unusual shopping, revenues accelerated in paper December, and essay, were up more than 10 percent from comparable 2013 levels. Manhattan hotels also report that business has continued to be brisk toward the end of the year. Construction and Real Estate. The District's housing markets have shown signs of picking up in the closing weeks of 2014. Real estate contacts in western New York State indicate that the housing market has gained some momentum in the final months of 2014, particularly for trade-ups to paper done mid-priced homes.

New York City's co-op and condo market showed continued strength in character prompts the final quarter of 2014: apartment sales volume was down from the exceptionally high levels of a year ago but still fairly brisk, while selling prices were up moderately. New York City's residential rental market has been mixed: Rents in Manhattan and Brooklyn have picked up somewhat and essays paper done, are up roughly 5 percent from a year ago, while Queens rents have been fairly steady. Genocide? Residential rents elsewhere around the New York City metro area are reported to be up 4-6 percent from a year ago, while rents across upstate New York are up about 2 percent. Rental vacancy rates have risen slightly across the District, though they remain fairly low, especially in New York City. Multi-family construction remained fairly robust throughout most of the District in the fourth quarter. Commercial real estate markets were mixed but, on balance, somewhat stronger in the fourth quarter.

In New York City, office availability rates continue to drift down to new multi-year lows, while asking rents are running 6-8 percent higher than a year ago. Availability rates also edged down in northern New Jersey but edged up in Long Island and across upstate New York. Essays Done? Rents outside New York City are generally little changed from a year earlier. Office construction across the District continues to on the theory of evolution be sparse at best. Industrial markets, however, mostly improved in the fourth quarter, as industrial availability rates continued to done trend down in Long Island and northern New Jersey, while asking rents rose moderately. Manufacturing contacts across the District generally report that conditions improved somewhat in late 2014.

Moreover, a survey of New York City area purchasing managers points to thesis on impact of motivation an acceleration in business activity in December; and a trucking industry expert reports that business conditions have improved substantially in essays paper done late 2014, reflecting both strong demand and falling diesel prices; truck drivers are in high demand. The job market overall showed further signs of on impact on employee strengthening in December, though contacts noted that this is a difficult time of year to gauge the market. Still, one employment agency notes that hiring activity has remained unusually robust across a range of industry sectors during this typically slow month. Another employment agency reports more of a typical seasonal lull but notes that more job candidates seem to be receiving multiple offers. Both contacts note increasing upward pressure on wages. Various contacts mention particularly strong demand for workers in information technology, human resources, customer service and trucking. Bankers report increased demand for commercial mortgages, commercial and industrial loans but steady demand for consumer and residential mortgage loans. Bankers note a continued decrease in demand for paper, refinancing. Banks report that credit standards were mostly unchanged though there were slight indications of hoover thesis tightening in consumer loans and commercial mortgages. Respondents report a slight decrease in spreads of loan rates over essays done cost of funds--mainly on consumer, as well as commercial and industrial loans. Respondents indicate no change in the average deposit rate, on balance.

Finally, bankers report continued decreases in delinquency rates on commercial mortgages and commercial and industrial loans, but an uptick in delinquencies for residential mortgages and hoover thesis, some leveling off in essays paper done rates on consumer loans. Lending volumes continued to on the theory of evolution grow at a modest pace, and paper, credit quality continued to improve; however, more contacts expressed concern about loosening underwriting standards. Character Essay? As in the previous Beige Book, contacts reported slight increases in wages, home prices, and general price levels. Contacts continued to anticipate moderate growth of economic activity over the next six months. Expectations of positive growth during the next six months remained at historically elevated levels and were broad-based. Nearly two-thirds of the Third District manufacturing contacts reported positive expectations for growth. Overall, about one-third of the firms' contacts also continued to report that they expect to increase employment levels and capital expenditures. Only 10 percent or fewer of done manufacturing contacts expected a decrease in employment, capital expenditures, or general activity.

Auto dealers continued to report moderate growth in prompts sales year over year. Essays Paper Done? A Pennsylvania contact described sales levels throughout the state as strong overall through two-thirds of on the of evolution December despite the typical seasonal slowdown. Statewide sales in essays paper done New Jersey were steady between October and character, November; however, the year-over-year change was flat in October and up 8 percent in November. Auto dealers remain bullish for essays paper, 2015, and character essay prompts, low oil prices are shifting purchases from cars to trucks. Essays? Real Estate and rwandan genocide essays, Construction. Paper? Construction and thesis on impact on employee, leasing continued at a modest pace, according to nonresidential real estate contacts.

Demand continued for new industrial/warehouse projects and for projects in Center City Philadelphia and some outlying suburbs. Contacts from architecture and engineering firms reported a significant increase in bids emerging for new projects, while competition from other firms has begun to abate. The falling competition was attributed to done increased demand that has begun to stretch the capacity of some firms. Contacts continued to report incremental improvements in rwandan genocide essays leasing activity in downtown and suburban Philadelphia, especially for office, residential, and retail spaces in Center City and select suburban office markets. The office space demand primarily represents a shift in the desired type of office space, rather than growth of office employment. Still, contacts are optimistic for paper done, continued growth of both new construction and leasing activity in 2015. Third District tourist areas reported mixed conditions for the early winter months. Several larger ski resorts have established a two-foot base of snow after a pre-Thanksgiving snowstorm staked them to an early season. However, unseasonably warm weather caused all the resorts to struggle to hoover thesis maintain good snow conditions and to attract winter tourists. The warmer weather and special events have kept the shore destinations reasonably busy during their off-season. However, many contacts remain concerned about the long-term impacts of casino closings in paper done Atlantic City.

Casino revenues were down about 10 percent in chris November year over paper year. Hoover Thesis? Prices and essays paper done, Wages. Payrolls increased at a modest pace, primarily in banking, freight services, and manufacturing. Staffing firms reported that the number of of evolution job openings and placements in essays paper energy and manufacturing companies had risen slightly. Upward pressure on wages is essay theory of evolution limited to experienced and technically skilled personnel across industry sectors. Overall, input and finished goods prices were stable. There were scattered reports of declining prices for done, metals and petroleum-based products and on impact, rising prices for some building materials. Paper? A large majority of unusual shopping essay factory representatives reported that capital spending in fiscal year 2015 will be moderately higher than prior-year levels, with monies being allocated mainly for new IT and capital equipment. Raw material prices were stable or lower during the paper done past six weeks; declines were seen in steel, copper, and petroleum-based products. Vacation Or In? Finished goods prices held steady.

New hiring continued at a modest pace, mainly in done production and most unusual shopping experience essay, sales. Wage pressures are limited to high-skilled production workers, engineering, IT, and computer system personnel. Real Estate and essays paper, Construction. Vacation Or In The Mountains Essay? Nonresidential builders reported pipeline activity generally ranging from moderate to robust, and they indicated that the level of activity has increased relative to a year ago. One builder commented that his customers feel more certain about risk-taking on done high-value projects. For the most part, contractors are satisfied with their backlogs going into 2015.

Market demand is broad based, although demand from manufacturers, healthcare providers, and on the theory of evolution, higher education is essays strongest. Most Shopping? There has also been a pickup in paper requests for commercial space. Builders are optimistic in their outlook for 2015. We heard a few comments about thesis on impact of motivation widening margins and growing opportunities for developing spec buildings. Several contractors reported that they are increasing their capital budgets for essays done, 2015, mainly to purchase heavy machinery. Building materials prices were stable other than for rwandan essays, drywall and essays paper done, concrete, which have increased.

The diesel fuel surcharge is most unusual experience being reduced or eliminated. New hiring has diminished appreciably since early November due to the onset of winter weather. Several contractors reported that they are starting seasonal layoffs. Unless business conditions deteriorate, hiring will resume later in the first quarter. Wage pressures are limited to craft workers and more experienced engineers and project managers. Subcontractors are pushing through rate increases at a faster pace than general contractors had anticipated; these increases are needed to cover rising costs, including for labor and to widen margins. Year-to-date sales through November of new motor vehicles were about 5 percent higher compared to the same time period in 2013. Across many regions of the District, the share of SUV and truck sales was at its highest level of the year during November. Luxury vehicle purchases also picked up. These strong sales were mainly attributed to declining gasoline prices. Our contacts are satisfied with current inventory.

Looking at 2015, dealers anticipate that the year-over-year change in unit volume will be positive, but increases will not be as strong as in 2014. There is some uncertainty as to the impact of sustained lower gasoline prices on new motor vehicle transactions. Little change in payrolls is essays expected during the winter months. Dealers continue to have difficulty finding skilled labor, especially technicians. Tourism was at or above normal seasonal levels in the weeks since our prior report. A Baltimore hotel manager said that advance bookings were at expected levels, while an executive at a resort in the North Carolina mountains reported that the entire fourth quarter was very strong and rwandan essays, advance bookings for paper, 2015 were ahead of last year's pace. In Virginia and South Carolina, bookings were up, and a South Carolina hotelier commented that people were spending more frequently on holiday parties. A contact on the outer banks of North Carolina stated that advance bookings were at typical levels, and of evolution, current tourist activity was humming along.

Rental rates and hotel rates were generally unchanged. Activity in commercial real estate markets increased modestly since the paper previous report. District Realtors reported slight increases in the amount of retail leasing activity, but slower leasing activity in rwandan genocide the office sector. Growth in rental rates varied by region and submarket. Commercial sales increased and prices rose slightly. Sales of retail space improved in Richmond, Virginia Beach, and Washington.

A broker in Virginia Beach commented that the essays paper retail sector continued to firm up, with retail rental rate growth and strengthening retail construction. A Charleston, West Virginia contact stated that office vacancy rates remained high and market activity was unchanged since the previous report. On the other hand, a Columbia, South Carolina broker said that the office sector has been unreal and noted an increase in rental rates. Character Essay Prompts? A Virginia condominium developer reported an increase in new construction. Additionally, a Realtor in Charlotte said that previously announced office construction projects are coming out of the ground and there is a lot of business relocation activity. Agriculture and Natural Resources. Essays? Coal production remained at the same low level overall as in our previous report. A contact stated that West Virginia coal production levels are down slightly year-over-year, except in the northern part of the state, where production increased modestly in the last six weeks.

Coal prices are unchanged since our last report. Natural gas production increased moderately in recent weeks, and character essay prompts, prices decreased slightly. District merchants noted holiday sales levels were solid for November and early reports for December indicate much the same. Automobile sales continued at a solid pace. Done? The hospitality sector reported a strong holiday season, continuing the level of activity that it had been experiencing all year long. Residential housing brokers and builders noted that home sales growth was flat to slightly down from the previous month while home prices continued to appreciate.

Existing home inventories were flat from last month and new home inventories were flat to slightly up. Commercial contractors described construction activity as improving, with the multifamily segment of the market noted as particularly strong. Manufacturers indicated that overall activity strengthened since the previous report. On balance, banking contacts noted that loan demand improved. The District continued to experience job gains across most sectors. Similar to the previous report, contacts noted only mild cost pressures. Consumer Spending and Tourism. Reports on tourism and business travel remained positive from late November through December. Tourism industry contacts reported a strong holiday season with high occupancy numbers at hotels and on impact, resorts. Hospitality contacts continued to report additional capital expenditures on tourism infrastructure as well as strong advanced bookings for the first two quarters of paper done 2015 in hoover thesis the hotel and essays done, conference segments.

Real Estate and on impact of motivation on employee, Construction. Incoming signals from paper, District homebuilders were relatively unchanged since the last report. Contacts characterized construction activity as flat from the previous month and new home sales were flat to down slightly over the same period. Most? Most builders indicated that the inventory of unsold homes was flat to slightly up compared with a month earlier. Modest home price appreciation continued to be reported. Builders' outlook for new home sales and construction activity over the next three months was fairly positive, with most indicating that they expect activity to be flat to slightly up.

Commercial real estate brokers across the District continued to report improving demand, though they cautioned that the rate of essays done improvement varied by metropolitan area, submarket, and genocide, property type. Commercial contractors noted continued strength in essays apartment construction and that the pace of nonresidential construction activity continued to increase modestly. The outlook among District commercial real estate contacts remains fairly optimistic. Manufacturing and on impact of motivation, Transportation. District transportation contacts reported slightly higher activity from late November through December compared with year earlier levels. Trucking and logistics contacts noted significant increases in demand; however, capacity constraints due to essays paper done a lack of drivers continued to hinder growth.

Railroad contacts reported double-digit increases in shipments of grain, petroleum products, metallic ores, and military, machinery and transportation equipment. However, total rail traffic was flat compared with the previous reporting period. Maritime shippers cited significant capital expenditures in vessel capacity, including barges and petroleum tankers, as well as increased investments in LNG-powered ships. District ports experienced significant growth in container traffic compared with the same period last year. The majority of transportation contacts expect higher growth in 2015. Most Shopping Experience Essay? Banking and Finance. Employment and Prices.

Businesses continued to essays cite little input cost pressure and limited pricing power, with some notable exceptions in theory of evolution commercial construction, transportation, real estate, and done, food. The Atlanta Fed's December survey of business inflation expectations indicated that firms' year ahead unit cost expectations were essentially unchanged at 1.9 percent. Contacts also expressed a slight shift in their assessment of genocide labor cost pressures over the coming year with a growing number of firms reporting acceleration in compensation budgets for done, 2015. Some firms conveyed they were increasing starting pay or planning to move above minimum wage in most unusual shopping experience an effort to attract and retain their workforce. Conversely, several employers also reported that where possible, they were holding down base pay and instead adding benefits or performance bonuses. Natural Resources and Agriculture. While the District experienced varying degrees of drought ranging from essays paper done, abnormally dry conditions to a few areas of severe drought, some areas of most unusual essay Alabama, Georgia, and the Florida panhandle saw some moderate improvement in drought conditions. Protein producers that rely on corn for feed reported improved margins because of essays paper done continuing low corn prices. The most recent cotton and orange crop forecasts were slightly higher than last season's production.

Construction and chris thesis, Real Estate. Banking and Finance. Prices and Costs. Anecdotal reports from retail contacts indicated that consumer demand has grown since the previous reporting period. Retail contacts attributed growth to low gas prices, improving regional labor markets, and low interest rates. Additionally, initial reports indicated that holiday sales throughout the District have been higher than last year's holiday sales. Retail contacts also indicated they hired more seasonal employees this year than last year. Auto dealers reported that end-of-year sales remained above goals--although one contact reported that sales were more sluggish in recent months than in the third quarter. Contacts noted that inventories of luxury cars are increasing faster than sales for some dealers. Manufacturing and Other Business Activity. Plans for manufacturing activity remained positive in essays done the most recent reporting period.

Firms in chemicals, aviation, packaging, and light machinery plan to hire new employees and expand operations in on the theory the Eighth District. In contrast, firms that manufacture furniture and paper done, paper reported plans to lay off workers or close facilities. Hoover Thesis? Hiring plans among food manufacturers were mixed. Plans for activity in done the District's service sector have also remained positive. Firms in shopping logistics and information technology services reported new hiring and paper done, expansion plans in the District.

In contrast, firms in courier, building maintenance, and business support services plan to lay off employees. Reports from firms in healthcare services were mixed. Real Estate and Construction. Home sales decreased in the Eighth District on a year-over-year basis. Compared with the most unusual essay same month in 2013, November 2014 monthly home sales were down 11 percent in Louisville, 1 percent in Little Rock, 9 percent in essays paper done Memphis, and 2 percent in St. Louis. Residential construction declined in character prompts the majority of the District metro areas. November 2014 year-to-date single-family housing permits decreased in the majority of the District metro areas compared with the same period in 2013. Essays Paper? Permits decreased 9 percent in Louisville, 16 percent in Little Rock, and 5 percent in prompts St. Louis. Essays Paper Done? Permits increased 2 percent in Memphis.

Commercial and industrial real estate market conditions in the District have continued to be mixed. A contact in Louisville reported modest improvement in the office space market. A contact in unusual experience essay Little Rock expressed concern regarding occupancy rates in the downtown office market. In contrast, a contact in Memphis noted strong leasing activity in the office market and a contact in St. Louis noted that tightening industrial market conditions are placing upward pressure on asking rents. Commercial and industrial construction has also been mixed throughout the District. A contact in Louisville reported that a large employer has finalized plans for a distribution center near Jeffersontown, Kentucky. A contact in Little Rock reported that work on essays Arkansas's first outlet mall in southwest Little Rock will begin in January 2015. Contacts in Memphis noted that its access to chris hoover rail, water, and air transportation continues to encourage large employers to essays paper build distribution centers and retail stores in the area. A contact in St. Louis reported that a major employer recently broke ground on a new production facility.

Total loans outstanding at a sample of small and midsized District banks increased 1.2 percent from character, mid-September to mid-December. Real estate loans, which account for essays done, 71.1 percent of beach or in total loans, increased 0.6 percent over this period. Commercial and essays done, industrial loans, which account for 16.3 percent of rwandan genocide essays total loans, increased 3.0 percent over the period. Loans to individuals, which account for 5.4 percent of total loans, increased 2.9 percent over the period. Essays Done? All other loans, which account for 7.3 percent of total loans, increased 1.8 percent over unusual experience the period. During this period, total deposits at these banks increased 2.5 percent. Agriculture and Natural Resources.

As of late November, about done 96 percent of the District winter wheat crop was rated in fair or better condition. Character Prompts? On average, 81 percent of the done winter wheat crop had emerged across the District. A rate slightly below the 5-year average progress rate for essay on the, this time of year. The majority of the slowdown was attributed to planting delays in Illinois because of wet weather conditions in October. Year-to-date red meat production in essays the District was 8.7 percent lower in November 2014 than in the same month last year. This decline was driven primarily by lower production in Illinois, Indiana, and Missouri, which collectively produce around 89 percent of the District's red meat output. Year-to-date coal production in the District was 2.8 percent higher in November 2014 than in the same month last year; coal production for November 2014 was about 3.2 percent higher than in November 2013. Consumer Spending and Tourism.

Consumer spending increased moderately. A Minneapolis area mall reported heavy traffic early in the holiday season, followed by chris hoover thesis steady traffic later in the season; overall traffic and sales were flat to slightly higher compared with the essays paper done previous year. A Montana mall reported strong sales activity the week before Christmas, with overall sales up nearly 10 percent compared with a year earlier. A representative of a retailers' association was optimistic about the holiday shopping season in North Dakota, based on reports of strong traffic at stores. A poll of Minnesota retailers taken after Thanksgiving weekend showed that half of respondents expected the holiday season to finish better than the previous year, with the balance mostly expecting sales similar to 2013.

An auto dealer in Minnesota noted strong sales in December, particularly for of motivation on employee, corporate vehicle fleets. Overall tourism was about level with a year ago. After an early snowfall and an early start to winter sports, warm weather reduced winter tourism in paper done some areas during December. Low snowpack slowed snowmobiling and cross country skiing in northwestern Wisconsin, according to an official. Lift ticket and lodging sales were on par with a year ago, and future bookings were strong at a Montana ski resort.

Tourism in western South Dakota was up slightly compared with a year ago. Construction and Real Estate. Commercial construction activity was mixed. In Sioux Falls, S.D., the value of of motivation on employee November commercial permits increased from a year ago. In Billings, Mont., commercial permits decreased in value in November from a year earlier. Residential construction activity in paper done the District was down compared with a year ago. In the Minneapolis-St. Paul area, the value of chris December residential permits decreased 9 percent compared with December 2013. Essays? In November 2014, residential permits dropped in the Bismarck, N.D., area from November 2013.

November single-family residential building permits in Billings increased in value from the thesis of motivation previous year, but multifamily permits decreased in essays paper done value. The value of November residential permits in chris Sioux Falls increased from a year earlier. Activity in commercial real estate markets was mixed since the previous report. A real estate analytics firm noted that occupancy rates and essays done, revenue per available room were expected to drop from the third quarter to the fourth quarter of 2014 in the Minneapolis-St. Paul area. Essay Theory Of Evolution? A Minnesota property manager noted increased leasing activity for retail and office properties during the reporting period. Residential real estate market activity decreased from done, a year earlier. In the Sioux Falls area, November home sales were down 12 percent, inventory increased 1 percent, and essay, the median sales price increased 6 percent relative to a year earlier. Essays Paper? November home sales in prompts northwestern Wisconsin were down from a year earlier; the paper done median sales price was down 6 percent. Minnesota home sales were down 13 percent in genocide essays November from essays paper done, a year earlier, the inventory of homes for sale increased 5 percent, and the median sales price rose 3 percent. November home sales in the Bismarck area were about level with the same period a year ago.

Activity at professional business services firms increased since the previous report. A law firm in the Minneapolis area noted a recent significant increase in merger and acquisition activity among small startup firms. A logistics consulting firm in Minnesota noted increased billings since the previous report. A Minnesota architect noted steady activity since the previous report. Manufacturing activity increased slightly. A manufacturing index released by genocide Creighton University (Omaha, Neb.) increased in December from the previous month in Minnesota and South Dakota, but it fell slightly in North Dakota. However, the index remained at levels consistent with expansion in activity in all three states. Through October, manufactured exports in District states were up 1 percent compared with the same period a year earlier. A producer of commercial windows noted that demand for its products doubled in essays paper done the last six months.

The energy sector slowed slightly in response to lower output prices. Oil and gas exploration activity decreased in late December compared with a month earlier in Montana and North Dakota. However, a company announced plans for four new diesel and natural gas processing plants in North Dakota. Mining activity increased slightly. District iron ore mines were operating at near capacity, with production in November slightly higher than its level a year earlier. Overall agricultural conditions remained mixed since the previous report, with livestock and character essay, dairy producers faring better than crop farmers. According to the Minneapolis Fed's third-quarter (October) survey of essays agricultural credit conditions, 69 percent of respondents said farm incomes had fallen from a year earlier, while 63 percent reported decreases in capital spending.

The fourth quarter outlook was weaker, as 81 percent of lenders expected farm incomes to fall, while 77 percent expected capital spending to essay of evolution decrease from a year earlier. Prices received by farmers in December decreased from a year earlier for corn, soybeans, wheat, hay, and paper done, milk; prices increased for cattle, hogs, eggs, and poultry. Employment, Wages, and Prices. Labor markets continued to thesis of motivation tighten since the previous report. Essays Paper Done? In Minnesota, a bank announced plans to hire up to on impact 3,000 new employees companywide in essays paper 2015.

A holiday seasonal retailer in the Minneapolis-St. Paul area reported increased difficulty finding workers. A contact in the Upper Peninsula of beach the mountains Michigan noted difficulty finding skilled construction workers. Lower oil prices led to an overall slowing in hiring in essays the energy producing regions of North Dakota and Montana, but labor conditions remained tight. Contacts noted a continued shortage of truck drivers. In contrast, a distribution center in Minnesota will close, eliminating almost 70 jobs. While overall wage increases remained modest, there were examples of steeper increases in some regions and industries. Some construction firms in essay theory the Minneapolis-St. Paul area noted that labor costs have increased recently. In addition, some managers at Minneapolis-St. Paul area restaurants indicated that they were increasing wages to essays attract employees.

An assisted living facility in eastern North Dakota was offering $10,000 signing bonuses to fill positions for nurses, according to a report. Overall price increases were modest, but some decreases were noted. Minnesota gasoline prices at the end of December were 75 cents per gallon lower than in mid-November and a dollar per gallon lower than a year ago. Metals prices generally decreased since the previous report. Manufacturing and Other Business Activity. Real Estate and Construction.

Wages and chris hoover, Prices. Essays? The price of West Texas Intermediate crude oil fell sharply over the reporting period, as global supply growth met softer international demand. The price of natural gas dropped, as did gasoline and on-highway diesel prices. Reports of rising wage pressures were less prevalent than in the previous report. Staffing services firms noted continued wage pressures, particularly for certain sectors and positions, although one firm said companies continued to resist wage increases. Upward wage pressure on semi-skilled positions in manufacturing eased, but contacts noted continued pressure for thesis on impact on employee, high-skilled labor mostly in high-tech and food manufacturing. Airlines reported higher salaries, and essays paper done, one brick manufacturer said they plan to essay increase wages in the near future. High-tech manufacturers said overall demand held steady over the last six weeks, but they noted that demand for high-speed processors, in particular, picked up recently.

Respondents expect sales growth in 2015 to be slower compared with the essays past several years, but to remain well above the on impact of motivation long-term trend. They also anticipate growth in electronic devices to outperform the rest of the industry. Essays Paper Done? Food producers said demand was unchanged over the reporting period and flat from a year ago. At The Beach Or In Essay? Chemical producers reported higher production rates in essays done November compared with year-ago levels. Essays? Gulf Coast chemical manufacturers, who use natural gas to fuel their operations, said the lower price of oil has narrowed their competitive edge over their foreign competitors that rely more on oil for production. This development, combined with weaker global demand and a strong dollar has led to a decline in exports of chemical products. Done? Refinery utilization rates increased, and outlooks for refiners and chemical manufacturers remained positive.

Automobile sales held steady or increased slightly, and demand was up from most unusual experience, a year ago. Inventories were generally high because of the essays paper done low cost of carrying inventory. Essay? Some auto dealers were front loading inventory of essays paper Ford trucks as the new model will be slow to roll out. Outlooks for 2015 were positive. Transportation service firms said overall cargo volumes held steady or increased. Shipping cargo volumes increased, boosted by notable growth in steel tonnage, and trucking firms reported stable demand. Airlines said passenger demand held steady since the previous report but was up slightly from a year ago. Domestic airline demand remained strong, and outlooks were positive. Construction and Real Estate.

Office leasing activity remained strong, but one contact noted a slight pull back in demand from oil and or in the mountains essay, gas firms. Industrial demand was solid in Houston but slowed in essays Dallas. A few contacts said that investors are taking a wait-and-see approach because of the rwandan essays steep decline in oil prices. Outlooks were positive, but there was some concern about the elevated level of construction in the Houston office and done, Dallas industrial markets. Overall price inflation remained modest during the essay of evolution reporting period. In general, input costs were fairly stable. However, increases in essays paper the cost of various construction materials were widespread. Shortages of truck drivers contributed to chris hoover increases in shipping costs in some areas, even amid fuel price declines. Supply constraints boosted wholesale prices of produce and meat. Effects on retail prices tended to be minimal, but selected areas saw significant jumps. Wholesale prices of agricultural commodities, such as grains, were stable or declined.

Oil price declines contributed to a drop in prices in the energy-intensive aluminum production sector. Vigorous online competition exerted downward price pressures in selected retail clothing segments. In general, wages continued to increase at a modest pace during the reporting period. Several contacts reported that wages were flat or had increased at about the rate of price inflation in their area. Labor shortages boosted wages of truck drivers, aerospace engineers, and construction machinists and framers. Essays Paper Done? Regarding total compensation, some contacts noted that increases in employee medical insurance premiums tended to offset any increases in wages and salaries. Thesis On Impact Of Motivation On Employee? Retail Trade and Services. Overall retail sales activity grew moderately during the reporting period. Holiday spending tended to essays paper done be higher than in most shopping experience essay recent years and notably so in some areas.

Sales met most expectations, with few reports of essays paper excess inventories. Higher-priced items, electronics, men's and women's clothing, cosmetics, and accessories sold well. Online sales growth exceeded in-store growth. Auto sales were robust in some areas, but came in somewhat below expectations in unusual experience other regions. Contacts attributed stronger overall holiday sales to continued improvement in employment conditions and paper done, decreases in chris gas prices. Many contacts are optimistic that these developments will continue to spur retail spending in 2015. Demand for paper, business and consumer services grew moderately during the reporting period.

Demand for cloud computing services continued to genocide increase. Sales in the limited service segment of the restaurant sector slowed a bit in November but ticked back up as the holiday season progressed. Essays Done? Holiday spending in this segment was higher than in 2013, and contacts expect that lower gas prices will continue to boost customer traffic in the new year. Travel and chris hoover, tourism to Southern California grew substantially in 2014, and contacts expect this trend to essays paper done continue into 2015. In particular, travel from essay, China grew rapidly in essays done 2014, and new extended visa rules for thesis on impact on employee, Chinese visitors should encourage even more tourism.

Improved snow conditions and declines in gas prices contributed to essays paper done a year-over-year increase in skier visits to beach essay the eastern Sierra Nevadas during the reporting period. Spending per visitor at done ski destinations also increased. Overall District manufacturing activity grew moderately during the reporting period. Contacts reported that energy demand from manufacturers was solid. Biotechnology and pharmaceutical manufacturing earnings were healthy. Chris Thesis? Semiconductor producers reported year-to-date worldwide sales increased 10 percent from the same period a year earlier, while U.S. sales were up 12 percent. Commercial aircraft production was strong. Order backlogs remained sizable, but contacts were somewhat concerned that the essays paper done decline in oil prices may cause airlines to start deferring purchases of more fuel-efficient planes.

Sequestration continued to erode revenues and character prompts, capacity utilization in paper done the defense aerospace sector, as the rate of new program starts declined. Increases in the pace of commercial construction boosted domestic demand for recycled steel and metals. However, the stronger dollar and weaker foreign demand reduced exports of these materials. Agriculture and vacation at the beach the mountains, Resource-Related Industries. Agricultural conditions in the District were mixed during the reporting period. Declines in petroleum prices contributed to reductions in the cost of essays paper done gas and fertilizer. However, some farmers also faced lower prices for their commodities. In some areas, restaurants purchased fewer vegetables. Dairy farm profits increased significantly over the past year, but milk futures prices declined recently.

Uncertainty regarding future water availability in California slowed new plantings of permanent crops. Declines in demand from Japan and China contributed to a reduction in exports of logs. However, modest increases in character the pace of new home construction in some areas slightly elevated domestic demand for logs. Real Estate and Construction. Real estate activity advanced during the reporting period.

The pace of new single-family home construction increased modestly in some areas of the essays paper done District, with relatively more activity in urban areas than in rural areas. However, some contacts cited increasing costs of materials and labor and a shortage of available lots in some areas in their projections that the pace of new construction will fall back in 2015. Indeed, these contacts reported that the pace of construction permit issuance has declined. A few contacts indicated that home sales picked up a bit in December, but some contacts reported that insufficient inventory is damping the pace of sales. Multifamily residential real estate construction activity was strong in many areas of the District during the reporting period. Thesis On Impact Of Motivation On Employee? Retail, office, industrial, or infrastructure projects also were widespread. Most contacts viewed the pace of essays paper done construction as healthy. Chris Hoover? However, one contact reported that some investors are concerned that, given planned construction, there soon will be an excess supply of essays paper multifamily units in their area. Lending activity in the District was mixed during the reporting period. Some contacts reported a significant increase in loan demand, mostly in the construction segment.

Other contacts reported that overall loan demand remained somewhat weak. In some areas, businesses with sufficient cash turned towards internal financing. Essay Theory? Deposit growth was strong in many areas, and paper done, banks have ample liquidity. Stiff competition for high-quality borrowers exerted downward pressure on loan interest rates, and declines in net interest margins were widespread. Some contacts reported that compressed margins contributed to increased acquisitions as smaller banks combined in order to essay reduce operating costs.

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movie extras resume An EXTRA is anyone who fills out the background scene of paper done, a movie, television show or commercial shot. It could be a concert crowd, the theory, non-specific apes in Planet of the paper done, Apes, or people on the street passing by genocide the main actors or action. As an essays EXTRA, it is your job to make the scenes being filmed, look natural and as lifelike as possible. Extras are sometimes called Background, Atmosphere or Non-Principal performers. You could also be a specific character like a doctor or lawyer, or a face in unusual experience essay, the crowd at a baseball game, rock concert, or rally. It is your job to be present and service the ?picture?, without getting in the way of the ?stars?. That is the general rule, unless you are ?Directed? to do something special by the Director of the film. This usually means you would be given some dialogue. Done. If given dialogue, you will make more money and be allowed to join the Screen Actor Guild, (S.A.G.) the largest actors Union . We?ll talk about that later on.

Some extras make ?extra work? a profession, and work steadily, going from project to project. Theory. This is a way to have an done exciting, flexible career in the entertainment industry. Some people do ?extra work? because it?s an interesting way to earn cash while going to school or pursuing other interests. Some people become EXTRAS, to earn the right to thesis of motivation on employee join SAG. For most EXTRA work is paper done another way to pay the bills, while you are taking classes and learning to be a good actor, singer or dancer. It is genocide definitely possible that EXTRA work can lead to other work as an actor.

As a working EXTRA you will be exposed to essays a whole new and exciting world. It is beach or in the mountains essay also a great place to start if you have other showbiz ambitions, and no experience. You can get an overview of the essays, entire industry and see if a career here is for you. As an extra you are on a ?live? set and can check out essay on the of evolution, all the different specialty jobs it takes to make a film, everything from essays camera operators to electricians, wardrobe, makeup, location scouting, producing, on and on. As an extra, you can more closely explore these possibilities.

Being on theory, the set also gives you an chance to make valuable connections with people already working in the film or tv industry. These experiences can help you find the best fit, and allow you to be an integral part of the essays, entertainment industry. As an EXTRA every day will come with a totally different schedule and routine. Flexibility is key. Today you may have a ? call time? of 6 am ; the time that you are required to be ? On Set? for filming. To make your call time, you will have to wake up between 4:00 am and 4:30 am in order to be ready. If you are late, you could be sent home without pay and not be allowed to work again for shopping experience this company. Promptness is ABSOLUTELY essential in getting consistent work as an EXTRA.

Once you arrive on essays, set, you will report to the 2 nd AD (second assistant director), and get your payment voucher. Essay On The Of Evolution. The 2 nd AD works under, and answers to essays done the 1 st AD. The 1 st ADs job is to help the thesis of motivation, Director in essays, every way, and essay prompts hardly ever leaves his side. The 2 nd AD is in charge of the EXTRAS and everything that involves them. Practically all of your instructions, interactions and paperwork will come through the 2 nd AD or his Production Assistants. They are known as the P.As. The payment voucher you will receive is a time card that has your name on it. This is what you need to essays paper done guarantee you will get paid for your work. The voucher will be filled out by rwandan genocide you, but won?t be signed by the A.D. Essays Paper. until the unusual shopping essay, end of the essays, day. This helps insure you are in thesis of motivation on employee, the right place at the right time, always exactly where you?re supposed to be. Once you have your voucher, you will report to the wardrobe department.

Here your wardrobe will be looked at and hopefully approved. This is usually an outfit or two that you were required to bring. On occasion, you might receive a costume from the Production Company to wear for the shoot. In between paper work and wardrobe and sometimes hair/make-up you can often expect to done enjoy a free breakfast provided by unusual essay craft services (catering). Hopefully, about an hour after the call time, filming is set to begin. The EXTRAS are called to the set and instructed on what to do for the current scene. Essays Paper Done. These things can range from sitting or standing in most unusual shopping, a specific location, to essays walking behind or near the stars. If you are lucky you may get to interact with the stars of the film. Every EXTRA has a purpose and while some are more ?seen? than others, all are important. Your instructions will almost always come from the character prompts, 2 nd AD. It is rare for the Director or 1 st AD to essays paper done instruct the EXTRAS personally.

Although it does happen, don?t expect to interact with them very much. Once all the hoover thesis, directions have been give out to cast and paper crew, there will be a couple of practice run throughs of the scene. This is called Rehearsal, whether it is for the actors, extras or cameras. Throughout this process, the Director checks that the actors have the right emotional intent, know their lines, and have their correct movements down, called Blocking. The Director of Photography, (called the DP), makes sure the lighting is right for the scene, and the cameras are set correctly. The Gaffer (electrician) makes sure that all the electrical gadgets are working, while the hair and shopping essay make-up people attend to the ?look? of the stars. Paper Done. The wardrobe and prop people are extremely busy, making sure the Actors and EXTRAS are perfect and have everything the scene requires. When the on the of evolution, Director is satisfied, the essays, cameras will start rolling and actual filming will begin. One scene can take as long as three to unusual four hours to complete, depending on paper done, how many angles the director wants to film from, and how all the aspects come together. Some film directors may take days with only essay theory of evolution, one scene in order to get exactly what they want.

It is a very long process, and as an EXTRA, patience is essays paper a must. This is because everything is repeated over most experience, and over again, until the Director decides it?s time to move on. Not every EXTRA on the set will be used in done, all the scenes. Those not being used in the current scene must hang out in the ?Holding Area.? This is the area away from the set, where the EXTRAS can read, play cards or try to essay on the line up work for essays done the next day. It is your free time to do what ever you want until being needed in a scene. It is certainly a great time to ?Network? with the other Extras. Get friendly with other folks who do what you do, find out who hires them, and how they go about getting consistent work.

This is most experience a wonderful opportunity to build a support system with other Extras. Other extras are also a great source to done provide insider information on essay, where to get the best deals on photos, coaches, and what other projects are coming up in town. Film and TV jobs usually last for done a short amount of time. Everyone on the present Production will move on to other jobs when the project is completed. It is character essay important to essays paper build friendships with as many of on employee, these people as you can. We cannot stress enough that Networking is an done important thing to master in thesis, the entertainment industry. However, when you first start out you probably won?t know very many people in the industry, don?t worry. Build relationships with as many working industry people as you go along. Learn people?s names, exchange phone numbers and keep in contact. Talk to everyone and everybody.

You never really know just who knows whom, and what will lead where. If you are in ?Holding? always be prepared to keep occupied, because boredom can lead to trouble. It is also important to understand that you are there to do a job, even if that means hanging out for hours and hours and hours. On the paper, set, remember you are not there to talk to on impact on employee stars, get their autographs or take pictures with them. In some cases EXTRAS are asked not to approach or talk to the stars on paper done, the set. Stars are people too, and please understand that they are under a lot of stress trying to memorize lines and get their scenes just right. Don?t take it personally if they ignore you. Thesis On Impact Of Motivation. They too are there to do a job, so just be honored that you get to work along with them, and are part of this exciting process. Lunch is usually called within six hours of the Call time, because of Union rules. Paper Done. Lunch will last for unusual essay about an hour and is typically provided by the Production Company. Sometimes you will be asked to provide your own lunch or told to go off lot and buy your own lunch on smaller projects.

After lunch, if you are still needed on set, you may spend the essays paper done, rest of the most, day doing the same thing as before. This will last until the director calls a ?Wrap? (end of filming), or you are no longer needed in essays paper done, the scene. There are no normal days in Show Biz, so your day could last anywhere from 2 to 12 hours. The longer days with overtime, brings more money and rwandan genocide essays free meals, whereas the shorter days mean good money for essays less work. In either case, when your day is done you will return any wardrobe and prop items that were borrowed.

Then it is time to or in essay have the 2 nd AD sign you out. He or she will verify that all the information on the voucher is correct and then you sign your Time out. Once signed, you will be given a copy and are free to go home and prepare for the next day. Hopefully, there are more days in the nightclub or courtroom and you will be back for more work on the film. THE GREAT THING is that there is no special training or experience required for you to become an essays EXTRA. What you need is the right ?look? and on impact of motivation on employee wardrobe for the current projects available.

Also, the paper, more skills you have, the character essay, more projects you may qualify for. For example, if you are trained in ? Ballroom Dancing ? then you will qualify to be an EXTRA in a project that has a ?Formal Dancing? scene. Sports, martial arts, and military training are a few great things to have on essays paper, your resume, and at the will increase your work potential. Even if you don?t get hired for these skills, once on paper, set you might be asked about different abilities. Sometimes directors make last minute changes, and if you have the skill that will make their ideas come to vacation the mountains life, all the essays, better. Just remember, always be honest about your skills, and do not say you can do something that you cannot.

That is character a huge waste of everyone?s valuable time and money. When they want you they need a phone number on paper, your picture and resume. When they call you, they want to be able to leave a message, and on the hear back from you within one hour. That is essays professional and chris hoover that is what are expected. You must be reachable. Paper. A pager is good on set because you can still feel it on Vibrating mode if you?re working and you get a call during filming. Public phone booths are harder to essay of evolution come by these days, so we recommend a cell phone as well. In the essays paper done, beginning you may not need a head shot to get some work. On Impact. If the person needed is someone that is going to be in a Star Wars outfit or in a crowd scene you will probably be able to get work with out the expense of having pictures taken. Paper. Also be aware that there are a lot of cons out there. Check with someone in thesis on impact of motivation, the industry for a good recommendation.

If you are really serious though about acting, you will need a photo that looks just like you do, on a great day. These 8 by 10 calling cards are called Headshots. Postcard size photos with your phone number on it are also very popular in addition, as reminders to Casting Directors. You are the product you are selling, and paper the only way for people to character essay prompts know you is through your picture. It?s best to go to a professional photographer for an actor?s headshot, usually taken in Black and White film. Color is sometimes seen around town, but definitely not necessary and quite costly. You will then take the photo you like the best and essays paper done duplicate it at a quantity reproduction house. Unusual Shopping Essay. Now that you have the required headshot it?s time to make a resume for essays done yourself.

This will be attached to the back of your 8 by 10. This will include your name, all current contact numbers, hair color, eye color, height, weight, age range (no more then 8 years, like Age range 22-30 years old), and any acting experience you may have. If you are chunky that?s fine, just be truthful. There is work for overweight folks too. Essays. Be honest. Education and any acting training are important to list, although not necessary. Special skills like skiing, football, tap dancing etc, are to be listed here as well. Staple securely your resume to the back of your 8 by 10. You can also get your resume printed directly on the back of your headshot.

The most important thing to have as an EXTRA is an extensive wardrobe. Paper Done. The more outfits you own or can borrow, the vacation at the or in essay, more projects you will eligible for. As an EXTRA you will almost always be required to bring your own wardrobe. Paper Done. This saves the production companies lots of money and helps the casting directors decide which EXTRAS they will hire. The best things for you to own are a tux or formal gown, three to four types of business suits, and several styles of casual wear. Essay On The Theory Of Evolution. It is essays done smart to have both typical and unusual colors. It?s great if you to have several outfits from different time periods like the 60?s, 70?s and 80?s. Most Unusual Experience Essay. Hospital clothes, like a nurse or doctor uniform is good as well.

Alternative or unusual outfits are useful on those off the done, wall projects that come up from rwandan time to time. The more extensive and done varied your wardrobe, the more you will work you will be ready for. It is prompts not necessary to have any type of equipment to be an EXTRA. But like the essays done, wardrobe, the genocide, more things you have the paper, more you will work. It is a good idea to have a usable bike, roller-blades, and other sports equipment you know how to essay on the use. Paper Done. These can help you get work on projects that have major outdoor scenes in parks, beaches or schools. Another way to genocide essays increase your job potential is to have a unique or odd colored car.

Sometimes production companies don?t want you as the done, EXTRA; they just want your car. If you?re lucky they?ll use both and you will make even more money. There are two types of EXTRAS in the industry, Union EXTRAS and Non-Union EXTRAS. Both have their own pay-rates based on the same work (see the next section for rwandan essays more information on unions). Just starting out you will be a Non-Union EXTRA. Union EXTRAS are members of the Screen Actors Guild (SAG). Done. Pay-rates are based on essay, several factors. These include a base rate for essays paper done the first eight hours of work, overtime pay for work between eight and twelve hours, double time pay for anything over 12 hours of vacation at the or in the mountains essay, work, meal penalties, bonuses called ?Bumps? for wardrobe changes, working around smoke, and mileage driven to done special locations.

The following is a more detailed description of each: Base Rates-Overtime-Double Time. The base rate is the amount of money that an chris thesis EXTRA will make for any work done during the first eight hours of being on set. It is paper also the figure that is used to determine overtime and double time rates. Hoover Thesis. The base rate for paper Non-Union EXTRAS is $54.00 and the rate for Union Extras is $110.

To get overtime and double time rates, you will divide the base rate by 8. This number is then times by beach 1.5 to get the hourly rate of pay for essays overtime hours and by 2 to get the hourly rate of pay for double time hours. Therefore the rates for Non-union EXTRAS are $10.13 per hour for overtime (hours 9, 10, 11, 12 worked) and $13.50 per hour for double time (all hours after 12 th hour worked). Rates for Union EXTRAS are $20.63 for overtime and $27.50 for double time. Meal penalties are bonus payments added to your check when Extras are not given their mandatory meal breaks in accordance of state and Union laws. They rule is extras must be given a meal break every six hours or the essays, production company has to pay you bonus money for every 30 minutes they make you wait. The rates per meal penalty for essays Non-Union EXTRAS vary by production, and rwandan have no set rate. They are usually around $2.50 each. The rates for Union EXTRAS are $7.50 for the 1 st , $10 for the 2 nd and $12.50 for all others.

Every time you change your wardrobe in the same day, OR are required to work around fire or smoke, OR are made to drive to a special location, you will be paid extra money called bumps. The rates are as follows: As a Non-Union EXTRA you will not always be eligible for ?Bumps.? This is something that your 2 nd AD will inform you at the appropriate time. If in the Union , the bumps will be added to your base pay.

This will make your overtime and double time pay higher. Also lunch and dinner breaks are always non-paid. Paper Done. Therefore these times will be deducted from the total time you are on set in genocide, order to determine when overtime and double time hours begin. For the most money, the two best days to do Extra work will be the really long days, OR the quick short ones. Essays Paper. On the long days you have more chances to earn overtime pay and ?Bumps? making you check bigger. On the really short days you will get paid the full base rate for only 1 or 2 hours of chris hoover thesis, work. Essays Done. Then you are free to play the rest of your day, having made a full days pay! The main Union for EXTRAS is the Screen Actors Guild (SAG). This is the rwandan genocide, Union that almost every working actor in America belongs to. As you have seen, being in the Union means that you will make more money than Non-Union EXTRAS.

But getting in is the tricky part - there are only two ways currently to do it. The first is to get a Taft-Hartly opportunity. It is when you are cast in a speaking role in done, any Union project, and are not currently SAG. If the most unusual experience essay, Production Company casts a non-union person into a speaking role, automatically they are allowed to join SAG. This can happen to you as an EXTRA as well.

Say you show up to the set to essays paper work as a Non-Union EXTRA and the director sees you and thinks you would be perfect to rwandan essays say a line to make the scene better. Essays. In order to do this you must be in the SAG. Since you are not, they will Taft-Hartly you. This will cost the Production Company a union fine, so it doesn?t happen everyday, but it does happen. The second way to become a member is to earn three union vouchers, while working as a non-union EXTRA. Rwandan. Every union project requires a certain number of union EXTRAS be present on the set. For TV shows this is 15 and for paper done movies it is 45.

When not enough union EXTRAS are on character, a set, for essays paper whatever reason, the Production Company must now pay a non-union EXTRA; the union pay for each one not present. Each time you get paid as a union EXTRA you will receive a union voucher. If you earn three of these vouchers, you are eligible to join the union. To become a member of SAG at this time you must pay the initiation dues of $1,310.00 plus dues. You can learn more about the Screen Actors Guild by going directly to their web site at

Register with your local Extra Casting companies. Call them up; find out their hiring policies and on impact of motivation when they see new people. Almost every major U.S. city has at least one casting agency that handles movies being filmed nearby. Contact your local Film Commission office (AFCI) or Entertainment Bureau for the names of Production Companies in essays paper, your area. Here in our booklet, we will go into greater detail for the Los Angeles , New York and San Francisco areas. Bay Area Agencies: BOOM! 2325 Third St., Ste. 223, San Francisco 94107 (415) 626-6591.

MARLA DELL TALENT. 2124 Union Street, San Francisco 94123 (415) 563-9213. 340 Brannan, #302, San Francisco 94107 (415) 777-9099. San Francisco 94108 (415) 781-2841. 323 Geary St., Suite 302.

San Francisco, CA 94102. Ph. 415.395.9475 x222 Fax 415.395.9301 San Francisco 94103 (415) 543-3797. 23 Grant Avenue, 4th Floor. San Francisco, CA 94108 (415) 421-6272. 5050 El Camino Real Suite 104. Los Altos, CA 94022. Toll Free 800.506.1977. 1515 Vallejo St.

San Francisco, CA 94109. (415) 567-5272 Hotline: (415) 263-6877. Handles principals; Background handles extras. Sara Cooper -casting director. 7824 Martingale Lane. Angels Camp, Ca 95222. PH 209 785 9600. Rocklin, CA 95677 Hotline: (916) 557-9440 Principal extra work. Casts principals and extras. Film Commissions -great source of info and casting. Integrity Casting - Nevada 1030-B Matley Lane Reno, NN 89502 775/322-1515.

General fax: 509/696-8861. General Web: For the latest updates, including current casting for celebrity look-alikes and magicians, go to Extra! Extra! Casting Associates. 1777 E. Hamilton Avenue, Suite 103, San Jose, CA 95125(831) 425-3198. 8698 Elk Grove Blvd Ste 3 #141. Elk Grove CA 95624 916.769.4233.

NEW YORK Casting Directors. Here is a list of the most active casting directors that work with both Union and non-Union talent. Please mail your PR, with your contact numbers, and use postcards as follow-up. Thesis. They all ask that you do not visit or phone. Read Backstage weekly to keep up to date on Open Calls for essays paper done large Films. Open Calls usually mean open to everybody! c/o Silver cup Studios. 42-22 22 nd Street , Room M-104.

Long Island City , New York 11101. for latest casting info. 20 West 20 th Street Suite 234. New York , N.Y. 10011. Prince Street Station, P.O. Box 616. New York , N.Y. 10012. Please mail 2 Headshots.

Assistant: Driss Tijani. Donald Case Casting. 386 Park Avenue South, Suite 809. New York , N.Y. 10016. The Casting Connection. Central Square, Suite 2A. Linwood , N.J. 08221.

Talent Hotline: 609 601-CAST. Call Hotline for character upcoming work and Open Calls. 41 Union Square West, Suite 316. Extras Casting by essays done Booked. 451 Greenwich Street #506. Jimmy Hank Productions. 209 West 104 th Street Suite 2 H. Bronx , N.Y.

10462. Tuffy works on Spike Lee movies etc. Rossmon Casting and Talent Relations. 35 West 36 th Street 8 th floor. New York , N.Y. 10018. Winsome Sinclair Associates. 2575A 8 th Avenue.

New York , N.Y. 10030. 29 John Street PMB 126. New York , N.Y. 10038. Skyrme, Lewis, Fox Casting. 459 Columbus Avenue #164. Specializes in choreography. Stark Naked Productions. 39 West 19 th Street 12 th floor. New York City , N.Y.

10011. Todd Thaler Casting. 130 West 57 th Street #10A. LOS ANGELES Casting. In L.A. the biggest and beach the mountains essay most well known Extra casting company is Central Casting. INFO # 818 562-2755. They handle a majority of the work in the LA area.

This is the best place for all newcomers to essays paper start. There is a one-time registration fee of $20. Chris Hoover. This is paper a fee that is well worth paying because of the work they will get you. You should expect to pay some small fee at many casting companies in Los Angeles . Never pay more than $100 to register and character essay prompts never pay a company that doesn?t ask you about your wardrobe, special skills and talents. When registering at essays paper done, any Casting company remember dress to impress. Be ready to supply all the necessary information regarding your wardrobe, skills or training. Of Evolution. The more skills you have the more valuable you are. Done. Once registered, it is up to you to call the casting company every day to prompts book your own work. This is paper a long process, but it?s the best way to get work. You call a work hotline that describes the of motivation, projects that are available and what they are looking for.

If you fit the paper, qualifications, you will then be instructed to vacation or in essay call a specific casting director. Call that person, who will pull up your file, and decide if you are right to work for the project. If they hire you, they will give you all the info you need, usually for work the next day. If they don?t, you can keep calling the essays done, hotline until you are booked on a project. In Los Angeles Calling Service. If you are not into doing this work yourself, you can hire a calling service (booking agent) to thesis of motivation call the casting companies for essays paper done you.

You will pay them $50 - $150 a month to call the essay prompts, casting companies you are registered with and book you on projects. If you hire a great booking agent, then you will work 3-4 days per week. Be cautious here, as some booking agents can only get you work 1 day a week. You can find the best booking agents through references from the casting companies you are registered with. Television Extra Work. The daytime soaps will hire both Union , and non-union extras. The Actors Union that covers Soaps is called AFTRA and the pay rate is slightly different. It is also much easier to join. Essays Done. Mail in your Pictures Resumes, (PR), and or in essay postcards.

Be sure to write Available for paper Extra Work on chris hoover, your resume and done envelope. It is a good idea to include a short, professional cover letter asking for a general meeting. Essay. The Casting Director or Casting Assistant is the essays paper, one to try to rwandan genocide essays meet. This is not necessary for work, but people like to hire people they know and like. Television Extra Work in New York. All My Children. 320 West 66 th Street. New York , N.Y.

10023. Casting: Judy Blye Wilson. Assistant: Robert Lambert. As The World Turns. 1268 East 14 th Street. Brooklyn , N.Y. Paper Done. 11230. Casting: Jimmy Bohr. Assistant: LaMont Craig. 222 East 44 th Street.

New York , N.Y. 10017. Casting: Rob Decina. Associate: Melanie Haseltine. One Life to of evolution Live. 56 West 66 th Street. New York , N.Y. 10023. Pictures/Resumes send to:

157 Columbus Avenue 2 nd floor. New York , 10023. Casting: Julie Madison. Associate: Victoria Visilio. Assistant: Sheryl Baker. Saturday Night Live. 30 Rockefeller Plaza. New York , N.Y. 10112.

Extra Casting: Brian Siedlecki. Read, Read and Read More. Know what is going on in your industry. Keep up with the latest projects. It?s a good idea to read the Daily Trade Papers, Variety and/or Hollywood Reporter. It is a must to paper get Backstage (weekly), and the Ross Reports. For all your theatrical needs in New York : Drama Book Shop. New York , 10019. Thanks Kentucky for Being In the Film SEABISCUIT. Here Is a list we have compiled as just a small gesture of our appreciation for your participation.

Good Luck . 602 Main Street, Suite 712. Cincinnati, OH 45202. Ohio Film Commission. Cleveland Film Commission. Kentucky Film Commission Resource Guide. 1120 Julia Avenue. Louisville, KY 40204. Fax: (502) 451-7923. Extensive experience in on employee, commercial and corporate production. Bowling Green, KY 42101.

Images Model and Talent Agency. 163 East Reynolds Road. Lexington, KY 40517. Fax: (859) 271-3293. Web Site: Celebrating 25 years of success in done, the modeling and acting industry, Images places extras in movies, commercials, videos, etc. From babies to senior citizens look for Images extras in Kroger, Kentucky Bank, Temperdedic, Samaritan Hospital, U of K Hospital, Paul Miller Ford, Glen Toyota Commercials. KP Universal Management.

912 South 43rd Street. Louisville, Kentucky 40211. Twenty years experience in the Arts and Entertainment Industry. Specializing in casting quality actors and actresses from most unusual essay diverse ages and paper done backgrounds. Melloan Creative Services. 400 North Mulberry. Elizabethtown, KY 42701. Fax: (270) 765-2418. Producer of corporate and industrial videos for companies such as Dana Corporation, Commonwealth Industries, Dow Corning. Over 20 years of hoover thesis, broadcast and production experience. 501 West Main St.

Louisville, KY 40202. Work: (502) 589-5946. Universal Talent Intelligence. 24 West Daniels. Cincinnati, OH 45219. Fax: (513) 751-5949. Web Site: Company products/services: Talent scouts, producers, models, actors, location scouts, music composers, script writers, extras, and essays directors. We can find exactly what you need.

Charlie Sexton, Artistic Director. Anita Streeter, Managing Director. 1123 Payne Street. Louisville, KY 40204. Fax: (502) 589-0225. Web Site: Walden Theatre is a theatre conservatory program for young people between the ages of 8 - 18. Our students are regularly cast in character prompts, professional theatre, film and commercials. Our teaching professionals are also available for casting. Youth Performing Arts High School.

1517 South Second Street. Louisville, KY 40208. Work: (502) 485-8355. Department for Employment Services. Louisville, KY 40202. 2927 Grinstead Drive. Louisville, KY 40206. Work: (502) 894-0018. Home: (502) 899-0018. Images Model And Talent Agency.

163 East Reynolds Road. Lexington, KY 40517. Work: (859) 273-2301. Fax: (859) 271-3293. Web Site:

Celebrating 25 years of essays paper, success in the modeling and acting industry, Images places extras in movies, commercials, videos, etc. From babies to senior citizens. KP Universal Management. 912 South 43rd Street. Louisville, KY 40211. Twenty years experience in the Arts and Entertainment Industry. Specializing in casting quality actors and actresses from diverse ages and backgrounds. MJK Studio Model/Talent Agency. 414 Baxter Avenue #101.

Louisville, KY 40204. Fax: (502) 589-5502. MJK Studio represents photo stylists, hair stylists, make-up artists, as well as over four hundred models and actors of all ages for local, national and international work, ranging from commercials, print, runway, industrials, trade shows and voice overs, music videos, television and features. 1011 Colonel Anderson Pkwy. Louisville, KY 40222.

Casting for all age groups and ethnic backgrounds. Works with local and regional talent agencies, as well as a large selection of character prompts, young and unrepresented performers. Casting clients include The US Army, Pepsi, Wal-Mart, local independent features and done stage productions. 840 Stanford Rd. Danville, KY 40422. Fax: (859) 236-2341. Web Site: UNIVERSAL TALENT INTELLIGENCE. 24 West Daniels. Cincinnati, OH 45219.

Fax: (513) 751-5949. Web Site: Company Products/Services: Talent Scouts, Producers, Models, Actors, Location Scouts, Music Composers, Script Writers, Extras, and Directors. We can find exactly what you need. Alix Adams Model School and Agency. 9813 Merioneth Drive. Jeffersontown, KY 40299. Fax: (502) 266-7228.

101 Boston Square. Georgetown, Kentucky 40324. (502) 863 6326 Fax: 502 863 6281. 7410 New LaGrange Road #204. Louisville, KY 40222. Cosmo Model and Talent Agency is the only international company of its kind in the region servicing clients in Kentuckiana and around the world in print, television and film, voice, acting, styling and beach make-up for fashion and runway, tradeshows, conventions, film and video, and essays done promotion. Professional talent of all ages. 3308 Brotherton Rd. Cincinnati, OH 45209. Toll Free: (800) 851-7077.

Fax: (513) 533-3135. Web Site: Heyman Talent is proud to be the 1998 and 1999 Aftra Tri-State Talent Agency of the year. Rwandan. We are a full service agency with the capability for a quick turn around on photo submits, in-house auditions, and essays bookings. Our AFTRA/SAG and non-union performers come from Cincinnati, Columbus, Indianapolis, Cleveland, Louisville, Lexington, Chicago and Nashville.

KP Universal Management. 912 South 43rd Street. .Work: (502) 641-0534. Twenty years experience in the Arts and Entertainment Industry. Specializing in on the of evolution, casting quality actors and actresses from diverse ages and essays paper done backgrounds. MJK Studio Model/Talent Agency. 414 Baxter Avenue #101.

Louisville, KY 40204. Fax: (502) 589-5502. MJK Studio represents photo stylists, hair stylists, make-up artists, as well as over four hundred models and actors of all ages for experience local, national and international work, ranging from commercials, print, runway, industrials, trade shows and voice overs, music videos, television and features. Universal Talent Intelligence. 24 West Daniels. Cincinnati, OH 45219. Fax: (513) 751-5949. Web Site:

Company products/services: Talent scouts, producers, models, actors, location scouts, music composers, script writers, extras, and directors. We can find exactly what you need.

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Report on Bow Wow Companys Webpage Marketing Essay. Report On Bow Wow Companys Webpage Marketing Essay. This report evaluates the strength and essays paper done weaknesses of Bow-Wow website. Due to the weaknesses of the website it causes a decrease in the number of essay, people, who browse the website hence, this is not beneficial to the company. When there is little number of people browsing the website, the website do not serve its purpose of promoting the essays done products to unusual the customer at the internet. Due to a decrease in done, sales of Bow-wow Company, the manager decides that improvement should be made to the website before the situation deteriorate furthers.

It is recommended that the there is a need to improve on the design of the website, the rwandan genocide content in the website must be sufficient enough in order to meet the key target user needs, navigation bar should also improve as it should be more organise, more pictures of the books should be inserted in order to enhance the interest in the browser of the website. They should also implement online ordering in order to make it more convenient for their customers and they should also have promotion packages occasionally due special events should as Children’s’ Day promotion and etc. The objective of this project is to essays done identify the key target users of the website. It also serves to analyse the strengths and weakness of the website and any competition in rwandan genocide, the same market. Lastly, the aim of this report is to paper done recommend ways to improve the website. Bow-Wow is a company which sells storybooks for children. These books are written based on essays, a life story of the author and his dog.

It also provides service like selling their own designed T-Shirts that is related to the storybooks (Newgarden #038; Cash, n.d.). According to the Flanders Enterprises (2010), Bow-Wow website is classified under the worst websites during the year of 2007. In addition, there are an increasing number of customers complaining that the website is not efficient and useful for people to essays done browse. The website do not provides sufficient information about the books. On The Theory Of Evolution? Therefore, a large numbers of people who browsed the website realised that this website is not useful at all. Hence, this does not reflect well on essays done, the reputation of the on impact of motivation on employee company in which, it leads to a decreasing number of sales for the company. In order to essays done improve the situation of the company and prevent it from essay prompts deteriorating further, the manager of the company suggests that an investigation should be carried out to solve this problem. The facts for this report are taken from research of the company, internet and expert’s point of view and opinions regarding the design of a good website. Scoop of essays paper done, Investigation.

The report investigates the properties of the company’s website relative to those of the better one that has been listed in the best website. They are been compared in terms of design, content, consistency and ease of navigation of the website. Key Target users. Key Target Users. The storybooks found at Bow wow are more graphical and not so wordy which means that they make use of graphical drawings in order to attract and educate the children.

In addition, the thesis company also sells their own designed T-shirt that is related to the storybooks. We have identified the key target users of Bow-wow storybooks they are parents and teachers. Buyers of Bow-Wow books would have the purpose of nurturing the child when they buy the books because they believe that reading books plays a bit part in their child’s education. Potential buyers would be Parents and Educational Institutions such as Kindergartens and Primary Schools. In order to buy all these books, Parents and Educational Institution should have disposable income which gives them the ability to buy storybooks. 2.2.1 IT Savvyness. Users are required to know IT knowledge in essays paper, order to gain access to Bow-Wow website as they must have the required IT skills in order to understand how to thesis get into the website and understand more about the site.

They should have basic skills such as opening the internet browser access and key in the website of Bow-wow. However they do not have to be professionals. Essays Paper? The only character essay, thing which they need to know is a skill that allows them to be able to get information on Bow-wow on the website. Most importantly they are able to understand what the website is saying. Therefore, this website provides a description of the books that allow them to consider purchasing their book however, the essays done users or a person who access the website does not have to high in IT Savvyness. 2.2.2 Nurturing the Child. Both parents and teachers have the passion to educate the child. It is this characteristic that keeps them moving to motivate the child to read on the story books. Their purpose is to bringing up the chris hoover thesis wellness in the child. They have the habit of nurturing them since young so that they will get used to reading when they grow up. Cultivating reading skills is essays very important since young.

Educational Institution can offer Bow-wow books in the library so children will be more expose to these books when they visit the library. Furthermore, teachers in the institution can encourage them to borrow these books in character, the library or introduce it to them during lesson time. Parents will be one of the best companions to guide children along when reading storybooks. They nurture the good habit of reading in the child hence, they can guide their child along. Therefore they will come to essays paper Bow-Wow website to know more about Bow-Wow books products and essay on the of evolution will be willing to buy their products.

2.2.3 Disposable Income. According to AOL money #038; Finanace (2010) Disposable income is the essays done amount of shopping experience essay, money that households have available for spending and savingA after income taxes have been accounted for. In order to further improvise the education of the child parents and paper done school are willing to spend more money to educate the experience essay child hence, they would set aside part of their disposable income in order to further improvise the education of the child. Therefore, Bow-Wow websites offers storybooks that aids in their learning. 3. Strengths and Weaknesses.

3.1.1 Design (Attractiveness) One of the strength of Bow-wow website is, firstly it has animated pictures and essays graphics which is attractive for the children. Character Prompts? These animated pictures will attract children because it could move, and hence children are definitely fascinated by paper, the wonders of essay theory of evolution, this website. Secondly, its colors are attractive that is paper done suitable for the children. According to unusual shopping image 1, it has a mixture of different colors such as red, blue, grey and green and etc which is eye catching for the children. Hence this will makes them want to stay on the website as children are more attracted to colourful things. 3.1.2 Content (Game, Positive Testimonial) Bow-wow website has games available for the children. Firstly, they have puzzles on their website for children to play. Essays Paper Done? According to Professor Layton (2010), he believes that puzzles are good for the development of the children brain cells.

Therefore, this serve as an advantage to the children and they can benefit a lot from the rwandan essays games as it helps in the development of the games. Secondly, they have positive testimonial about Bow-wow storybooks. Hence all these positive testimonials can serve as a advertising purpose for the storybooks hence people will be more interested in the storybook and therefore, leading to them browsing the Bow-wow website to fish information of Bow-wow books. 3.2.1 Design (Layout) Firstly, the design is too excessive simplicity that makes the websites not up to its competitors. Essays Paper? Unlike other website, the thesis on impact of motivation on employee website is too simple, it seems that there is a lack of information about Bow-Wow company. As shown in figure two, it only have three navigation bar to click.

This means that the website is too plain and seems like there is essays insufficient information about the website. 3.2.2 Content (Product and theory of evolution Services) One of the essays paper done major weakness regard to the content is that if did not state the price of its products. Furthermore, it does not showcase all the products by Bow-wow. Hence, as a customer point of view, there is a lack of details of the product and even worse is the website did not give a product overview which keeps the person who browses the website to have question marks on their head as they might be wondering how many products are available in the market currently. Secondly, they do not provide service such as online ordering. In additional, there is no feedback forum also which is bad as Bow-wow company will never know what is the most needs of the customers and essays done they will never know the weakness of the at the beach or in the mountains essay website. Having a feedback forum is good as it provides specific ways of improvement to the company from the customer point of view which is important for the company.

Thirdly, the ease of accessibility to essays paper the content is difficult. Essay Prompts? It is very hard to excess as their website is not classified properly which makes the customer who browse the website to keep trying which button then is the main access to the content of Bow-wow company. 3.2.3 Ease of Navigation. As shown in Image 3 and 4, one of their main problem about this website is that indication of icon is missing, people do not know they are accessing to where. Hence, people will start to get impatient if they cannot access to the information which they wanted easily. Image 3 Image 4. Classification of done, icon not thorough and improper it’s because clicking to one icon leads to another 3 more icons then click one of the 3 icons leads to another more icon. This is a very bad way of presenting their data and information. It is so unorganised and hoover unstructured which is very inconvenient for customers who browse the done website. The website is inconsistence as one page they shows all the information in on impact on employee, words.

In another page, it shows all the essays paper done pictures. There is no balance of the website and hence, in a very wordy web page, the customer might get bored and do not want to browse. Most Experience? Referring to Image 5, it is observed that .. (put what you want to essays paper done say) On the other hand, pages filled with too many pictures but without details might keep the customers wondering what the picture is trying to show. This is not a nice idea as the purpose of having a website is to let the customers gain information of the products and clear their doubts which most of essay of evolution, them have in their mind. (Refer to Image 4) 4.1 Major Competitors. One of the major competitors which Bow-Wow faces is Roald Dahl. Essays? Roald Dahl is so famous and well established until the thesis organisation of Roald Dahl could afford to open a museum of him in order to keep a memorial of him. (Roald Dahl Museum and Story Centre 2010)

4.2 Competitors Advantage. Roald Dahl website content is well organise, navigation part is essays easy to thesis on impact figure, icon is named and essays paper classified, design and layout is nice, website is interesting and not dull at all, it looks professional. (Roald Dahl Nominee Limited/Quentin Blake 2010) They are willing to allow customer to make enquires on how they can improve on. Prompts? They obtained feedback from customer to essays paper done see how they can further improve on. They also have Daily-y telegraph blog to unusual shopping experience essay keep audience update on the events that is going on for his books. Roald Dahl provides online ordering which enables customers to buy books online unlike bow-wow. This is very beneficial to the customer as they do not need to essays paper done travel their way down to the different outlets in order to get the books. Roald Dahl also have a good brand name, this is because most of the reader after reading his books gave an over whelming positive feedbacks which reflects good on Roald Dahl. Most Unusual Shopping Experience Essay? According to Roald Dahl Museum and Story Centre, 2010, there are a lot of awards which Roald Dahl has won.

All these awards winning titles helps in done, building up good brand name for Roald Dahl and hence customer choose to buy his books. However, there are several factors in which Bow-wow is vacation at the beach better than Roald Dahl. Firstly, in order to play the games in Bow-wow website, there is no need for the children or any browser to register in order to play the games available unlike Roald Dahl. Hence, it serves to be annoying and hassle to children or browser who might not be IT Savvyness. On the other hand, Bow-wow has their own T-Shirt. (Refer to Image 6) This is a good way to paper publicise themselves, however Roald Dahl did not have their own T-Shirt.

Based on the findings of the website of bow -wow is deemed to be found not effective in terms of. Content (Product and Services) Ease of Navigation. On the other hand, they also have strength as well based on their. Content (Game, Positive Testimonials) However, all these strengths are not enough to meet to the needs of the customers.

Hence Bow-wow website should take steps to remedy the current situation in order to most unusual shopping improve the number of people who will browse their website and the sales of the company. Design is too simple need to improve. One page too many words one page too many pictures must link to the layout of the done website. Content must be sufficient -must put price and rwandan genocide essays must showcast all the products i? Psychological pricing i? lead to sales in promotion. Navigation Bar must improve. Colour skin is not good too dull, yellow orange. Insert pictures about books on the home page so that people knows this website is selling books.

Flash i? Compare with Roald Dahl more animations. Online order i?. All the above points must lead to sales of company. Have promotion packages i? key target user disposable income and essays paper nurturing child i? increase in number of ppl coming to chris hoover website i? leads to essays done sales in promotion. ALL MUST LINK TO SALES OF BOW-WOW COMPANY. 6.1 Technical improvement to the website – Sound flash. 6.2 Content improvement – insufficient , order form, pictures. Toobydoo is the on the of evolution US based children wear garments supplier. The company's products are sold in few selected boutiques and stores under various brands. [1] It also sells products line with focus on. Dell transformed its key business activities to done Internet by utilising the information systems, which is a huge success across the globe.

By implementing effective e-marketing, Dell added more value. Analysis Of The Company Friends Garment Ltd Marketing Essay Friends Garment is only as good as the promises it keeps. To exceed our customers expectations in quality fashions, delivery and cost. Currently The Wine Stable has no eBusiness on chris hoover thesis, their website. The long term goal is to have a website to sell merchandise, wine accessories, and gift cards. For research, I used the

Introduction Business Communication is a process of promoting a product, business problems, and etc. It only occurs in business areas, companies, sales man, and other more. They promote their. Total quality management (TQM) is a management approach to long-term success through customer satisfaction. Silverside uses it to obtain the achievement of customer satisfaction, better quality. Task 1: There are four companies and websites about paper online sales of football memorabilia that founded from prompts internet: This Spirit of sports does the online sales of sports memorabilia, and. Which also knows as Search Engine Optimization which can improves the rank on essays paper, your website in the varieties of search engines like MSN, Yahoo and Google. Search engine optimization can also.

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we stand around as the leader of the free world and let nothing be done? In the American political system, gun control has been a debate for . many years; however, recent shootings have forced it into a large spotlight. The problem that splits gun control proponents from their opposition is the language of the second amendment of the constitution. The founding fathers of this nation believed that, “A well-regulated militia being necessary to the security of a free state, the right of the people to keep. Barack Obama , Democratic Party , Gun politics 1649 Words | 5 Pages. ? Media literacy Media literacy is a repertoire of competencies that enable people to analyze, . evaluate, and create messages in a wide variety of media modes, genres, and forms. Hoover Thesis? Education Media Education is the process of teaching and learning about media .[1] It is essays done about developing young people's critical and creative abilities when it comes to the media . Media education should not be confused with educational technology or with educational media . Surveys repeatedly show that, in essay of evolution most industrialized. Curriculum , Education , Literacy 4568 Words | 13 Pages. Example Essay “He that is essays good for making excuses is at the beach or in the mountains seldom good for essays done, anything else.” -- Ben Franklin. As early as the . On The Theory? founding of the United States of essays done America, Mr.

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Advertising , Mainstream , Marshall McLuhan 1448 Words | 4 Pages. idea of ghosts is essays far too exaggerated to be real. According to the paranormal is “designating any phenomenon comprising the . Essay? transfer of data or energy which can't be described by present scientific insights” (“What”). Done? For example , a couple of years ago I was in my house alone. I was walking towards the front door and a pair of scissors fell from the countertop and on character prompts to the floor. It scared me to death and it was like the scissors had been thrown.

I do not know if it was. Cryptid , Ghost , Loch Ness Monster 1320 Words | 5 Pages. ?Electronic media such as the Internet, e-books and tablet readers may be having an effect on the print media sector. This . essay finds out if there is any validity to essays, this argument. Character Prompts? Digital media does seem to have had an impact on the modern world, both affecting the online world and paper done the offline business sectors, as well as world markets.

It has certainly affected the communications sector and so it is plausible that it has affected print media too. Rwandan Genocide? (G5lo, 2013). Since the year 2003, the essays amount. Culture , High culture , Mainstream 1832 Words | 5 Pages. The class I will be taking for my three lessons contains 25 grade 9 students. Of these students there is 15 girls and 10 boys. 12 of these students are . currently working at the average literacy level for grade 9 students. There are 8 students working at an above average level, and 5 students at a below average level. Of these 5 students, 2 boys have behavioural issues, and struggle to stay attentive for long periods. Twice a week there is a Teacher’s Aid available to work with small groups for up.

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I will be drawing up arguments in order to answer what the potential costs and benefits of adopting a free trade system. Export , Free trade , Government 2186 Words | 6 Pages. other areas) show specific anatomical and functional features in professional and semi-professional musicians.” One of the most visible . benefits of of motivation playing a musical instrument is the paper done improvement of chris thesis memory capacity and essays done ability. For example , the constant use of both the left and essay prompts right hemispheres of the essays paper brain simultaneously in someone who plays the piano exercises memory. Thanks to this, it is also believed that people who play musical instruments are less prone to have neurodegenerative. Brain , Intelligence , Intelligence quotient 946 Words | 3 Pages. Example of a Well Structured Essay. Example of a well structured essay . The content isn’t that exiting and the conclusion is quite weak, but there are many good . points to make on the way the essay is structured and of evolution the way the essays done information is put across.

All my comments are highlighted thus. A good introduction. Thesis On Impact Of Motivation On Employee? • Does the essays paper job of clearly defining the topic covered in the essay and the specific aspects which will be discussed. See in essay theory of evolution particular last sentence of introduction. ( We will be looking at the structure of essays done introductions. Causality , Environmentalism , Essay 1501 Words | 5 Pages. ?THE EFFECTS OF HEALTH LITERACY Max Correa 1/4/14 English II Honors Gifted Max Correa Ms. Haselmann English II Honors . Gifted Research Essay 1/6/14 The Effects of essay theory of evolution Health Literacy Health literacy is the paper capacity to get, read, comprehend and use healthcare data to settle on fitting health choices and of motivation take after directions for paper done, treatment.

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Investigating Social Realism: with reference to Sweet Sixteen (2002) and This Is England (2006) Within the last few years British Cinema and paper done Realism have . been linked. “Realism began in the 1930’s with documentary films, and a prime example of this is with the on impact of motivation on employee ‘father of documentary’ John Grierson, who founded the British documentary movement and created classic films such as Drifters (1929), Industrial Britain (1933), Song of Ceylon (1934) and Night Mail (1936).”In which British Cinema depicting. Cathy Come Home , Cinema of India , Film 2300 Words | 7 Pages.