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Image from page 163 of “Index” (1870)
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Identifier: index1926univ
Title: Index
Year: 1870 (1870s)
Writers: University of Massachusetts at Amherst
Subjects: University of Massachusetts at Amherst
Publisher: [Amherst, Mass.] : University of Massachusetts
Adding Library: UMass Amherst Libraries
Digitizing Sponsor: Boston Library Consortium Member Libraries

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ry ofM. A. C. basketball. Dartmouth was at enough time associated with beat tied up for claim tothe Eastern Collegiate tournament and had been consequently beaten only byPrinceton. The game, throughout, ended up being described as clean, hard playing onthe element of both groups, also it was only by pluck additionally the Aggie .spirit that thewinning point ended up being .scored. The season opened with five veterans, CaptainSamuels, Temple, Smiley, Jones, and Ferranti, and many prospects.Merry Partenheimer of Greenfield was eventually chosen to inhabit the area leftvacant by Eddie bicycle, final years captain. This lineup had been played intact untilLarry Jones was laid up with the grippe, whenever Gus Gustafson of Brocktonbroke to the lineup. Johnny Temple had been high scorer for the group, with 118points to his credit. He had been, however, followed by Partenheimer andCaptain Samuels. In general, it had been the right teamwork and specific excellence that causedthe Flying Agrarians to bloom as the New England Champions for 1925. 15P

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i:f)e iPa^kettjall Ceam Samuel B. SamuelsLeo F. DuffyPreston J. DavenportHarold M. Gore . Kept Forward—TempleRight Forivard—Samuels Ferranti illemfacrg Center—JonesGriffin Captain . Management Assistant Manager Coach R ight G uard—Par tenliei raerLeft Guard—Smiley Gustafson 160 tKtjc 1925 ^cf)EbuIe Date Gamen January 7 Clark . January 9 Trinity January 10 C. C. N. Y. January 15 Norwich . January 22 Williams January 24 Wesleyan January 30 Harvard . January 31 Univ. of N. H February 4 Dartmouth February 7 Northeastern February 11 Springfield February 18 Conn. Aggie February 20 Brown February 28 Tufts in which PlayedAt M. A. C.At HartfordAt New YorkAt M. A. C.At M. A. C.At MiddletownAt CambridgeAt DurhamAt HanoverAt M. A. C.At SpringfieldAt M. A. C.At ProvidenceAt M. A. C. can you remember the time when Jimmie Bower took an all-night rest underthe floor? Can you remember the time when Mat Jameson took an alarm time clock to churchand had it stop in the exact middle of the priests sermon. Do y

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Image from page 118 of “Rod and gun” (1898)
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Identifier: n11rodgun10cana
Title: Rod and weapon
Year: 1898 (1890s)
Writers: Canadian Forestry Association
Subjects: Fishing Hunting Outdoor life
Publisher: Beaconsfield, Que. [etc.] Rod and Gun Pub. Co. [etc.]
Adding Library: Gerstein – University of Toronto
Digitizing Sponsor: University of Toronto

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r. McKenzie 15, A. Baltzer 19, N. C. Wigle16, W. A. Smith 19, Gordon Wigle 14, ByronWigle 18, Jack Miner 16, Dorz Wijgle 18, T.Pastorious 19, O. Ferguson 18. Total 2011.Average 67 per cent. KI NGSVILLE-HARROW TEAM SHOOT-IN FULL SWING. Dartmouth Doings the normal monthly shoot of Dartmouth(N.S.) Gun Club happened on their ground-,on Wednesday, Feb. 4th. The day had been bittercold, not much above zero. There clearly was nowind, however the brilliant sun from the snowfall ended up being veryhard on the eyes and incredibly unusual shootingresulted. Ratings:— 10 20 10 20 SA. B. B. T. Egan 4 12 8 12 60 36 H. Greene 6 14 5 15 60 40 G. Mclnnes 8 15 6 9 60 38 F. Monahan t ,2 5 6 12 60 25 H. D. Romans 7 14 9 15 60 45 A. M. Stewart 6 13 7 15 60 41 Handicap event No. 4 resulted in a tie be-tween Greene, Monahan, Romans, Stewart.Romans won aside, making an extra knee onThermos Bottle reward. Romans also won themonthly large average badge, with 75 per cent.,which is considerably below present propels, thethe laot two being 90 and 80 %.

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A number of Canadian Shooters whom attended the Hamilton Tournament in Janu-ary. G. M. Dunk, G. J. Mason, G. L. Vivian, Walter Ewing. Phil Wakefield,Joe Jennings, Ted Marsh, E. H. Houghten, Winnipeg. Phil Wakefield is showingVivian the Imperial layer with that he made a straight score into the Grand CanadianHandicap. Walter Ewing is mischievously keeping another layer over Vivians mind. Hamilton HappeningsTnere was a turn-out in the regular■hoot on Saturday, Feb. 8th, associated with the HamiltonGun Club. The Wind becoming extremely high, it wasalmost impossible to make great results. Themembers were shooting for the trophy givenby Klein & Binkley, for a series of six regular■hoots. Mr. John Hunter made a. very credit-able rating, twenty-one from 20 yard markgiving him a lead of three wild birds over his near-est competitor, at this stage regarding the competition. Inthe spoon shoot, Mr. Hunteit also won in Aclass, Mr. H. Marsh in B course, and Mr. FredOliver in C course. The Buffalo Audubon GunClub members tend to be com

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Image from page 690 of “Harper’s brand new Monthly mag Volume 21 June to November 1860” (1860)
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Identifier: harpersnew21harper
Title: Harper’s Brand new Monthly mag Volume 21 June to November 1860
12 Months: 1860 (1860s)
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Publisher: New York: Harper & Brothers Publishers
Contributing Library: Brigham Youthful University-Idaho, David O. McKay Library
Digitizing Sponsor: Brigham Younger University-Idaho

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s to never be beat.It trampled North under base: it beat the stiffneck associated with younger Pitt: even his infection neverconquered that indomitable nature. As soon ashis brain ended up being obvious it resumed the plan, onlylaid aside whenever their explanation left him: as soon ashis arms were out of the strait-waistcoat theytook within the pen together with program which had engagedhim up to the minute of their malady. I believeit is by people thinking on their own inside rightthat nine-tenths regarding the tyranny of this world hasbeen perpetrated. Arguing thereon convenientpremiss, the Dey of Algiers would stop twentyheads of a morning; Father Dominic would burna score of Jews into the presence of the most extremely Cath-olic King, therefore the Archbishops of Toledo andSalamanca sing Amen. Protestants were roast-! ed, Jesuits hung and quartered at Smithfield,we and witches burned at Salem, and all sorts of by wortliypeople, just who thought they had the greatest authorityi for actions. And so, with regards to old! George, also People in america, whom he hated and

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LOBD NOKTU. [After Gilray.] ME. FOX. THE FOUR GEOHGES. 070 whom conquered him, can provide him credit forhaving very truthful cause of oppressing them.Appended to Lord Broughams biographicalsketch of Lord North are a handful of autograph notesof the king, which let us many curiously into thestate of his mind. The times certainly re-quire, states he, the concurrence of whowish to avoid anarchy. I’ve no wish butthe success of my very own dominions, therefore Imust look upon all who does maybe not heartily assistme as bad guys, along with bad subjects. Thatis the way in which he reasoned. I wish nothing butgood, therefore every guy Avho does not agreeAvith myself is a traitor and a scoundrel. Remem-ber that he thought himself anointed by a Divinecommission; keep in mind that he had been a guy ofslow components and imperfect education; that thesame terrible might of Heaven which placed a crownupon their head, which made him tender to hisfamily, pure inside the life, courageous and truthful,made him lifeless of understanding, obstinate ofwill

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Biz2Credit Small Business Lending Index for Nov. 2013 Reports Rebound in Loan Approval Rates at Banks and Other Lenders

Biz2Credit Small Business Lending Index for Nov. 2013 Reports Rebound in Loan Approval Rates at Banks and Other Lenders

New York, NY (PRWEB) December 11, 2013

Small business loan approvals at big banks ($ 10 billion+ in assets) increased to 17.4% in November 2013 from 14.3% in October, according to the Biz2Credit Small Business Lending Index, a monthly analysis of 1,000 loan applications on Biz2Credit.com. In a year-to-year comparison, lending approval rates at big banks have increased more than 30 percent.

“Big banks have begun to feel the pressure to lend more money with the Dodd-Frank reform charging nearing and we should expect to see more changes accordingly in the next year,” said Biz2Credit CEO, Rohit Arora, who oversaw the research.

Additionally, small business loan approvals at small banks increased from 44.3% in October to 49.7% in November. More importantly, approval rates at banks both big and small have returned to pre-government shutdown levels in September, as the IRS and SBA are catching up on the backlog of loan applications.

“The refinancing boom at big banks has waned, and their distribution strength will soon fade as branch networks are losing money. Big banks must begin to focus on improvements in other areas such as technology,” added Arora, one of the nation’s leading experts on small business finance. “It’s still puzzling why many banks and credit unions still do not offer online small business applications to streamline the process. This would benefit both the financial institutions and the loan applicants.”

Meanwhile, credit unions, which had been on the lending rebound prior to the government shutdown, also experienced a slight increase in approval rates in November. Approval rates at credit unions improved to 44.5%, from 43.4% in October, but they are still down nearly 10 percent in a year-to-year comparison.

Alternative lenders continue to thrive in small business lending. Approval rates by alternative lenders dropped slightly to 67.2% in November 2013, down from 67.3% the previous month.

“The popularity of alternative lending continues to increase as the desperation of small business owners to acquire capital becomes more urgent and because alternative lenders’ interest ratted have dropped considerably,” Arora explained. “The vast majority of alternative lenders are no longer ‘legalized loan sharks,’ as was frequently the case a few years ago. New players continue to enter the small business adding market.”

Arora anticipate that funding approval rates will climb in December and beyond as more pressure from Dodd-Frank is expected in the coming months.

To view the historic mapping of the Biz2Credit Small Business Lending Index, click here. http://www.biz2credit.com/small-business-lending-index/november-2013.html

About the Biz2Credit Small Business Lending Index
Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other appraised, the results are founded on primary data submitted by more than 1,000 small business owners who applying for funding on Biz2Credit’s online lending platform, which connects business borrowers with more than 1,200 lenders nationwide.

About Biz2Credit
Founded in 2007, Biz2Credit has arranged more than $ 1 billion in small business funding throughout the U.S. and is widely recognized as the #1 online credit resource for startup loans, lines of credit, equipment loans, working capital and other funding options. Using the latest technology, Biz2Credit matches borrowers to financial institutions based on each company’s unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,200+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and Facebook at http://www.facebook.com/biz2credit.


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American Banker Index of Banking Activity Shows Improved Momentum

American Banker Index of Banking Activity Shows Improved Momentum











New York, NY (PRWEB) May 14, 2013

A pickup in consumer lending lifted the most recent American Banker Index of Banking Activity (IBA) to a reading of 60.1, marking a new high for the index since its inception last June. Data is based on a survey conducted in April, in which respondents were asked about the change in business conditions in March. (Read the full article at: http://www.americanbanker.com/issues/178_86/consumer-lending-provides-lift-to-latest-index-of-banking-activity-1058828-1.html)

The improvement comes on the heels of last month’s record level of 56.3.

Helping to drive the IBA to a new high for the second consecutive month was an acceleration in the indications that track consumer lending.

The IBA tracks the level of business activity across a range of factors that are fundamentally important to the commercial banking business. Composite readings above 50 indicate an expansion of activity and readings below 50 point to contraction. The farther from 50 a reading is, the stronger the indicated change.

The IBA is a product of American Banker’s regular surveys of banking executives and is published in partnership with VantageScore Solutions. The latest installment of the index was based on 251 responses to surveys.

BANKING INDUSTRY CONDITIONS

March’s reading for consumer loan applications was 66.7, compared to 50.8 in February, while the level for approvals jumped to 65.2 from 49.6 in the previous month.

Lenders cited warmer weather and strong demand for auto loans and residential mortgages. The readings took place before the Boston Marathon bombings, the Texas fertilizer plant explosion and the full implementation of sequestration cuts.

Commercial lending activity also picked up steam. March’s reading for commercial loans applications climbed to 66.4 from 61.5 a month earlier. Approvals also were up: the reading rose to 65.4 from 60.6 in February.

WHAT RESPONDENTS ARE SAYING

In addition to the quantitative elements of the survey that support the IBA, open-ended questions are posed to respondents seeking information on the factors they believe are having the biggest immediate impact on their businesses.

In February, lenders pointed to strength in residential real estate and agricultural markets, and at least one worried whether a debt-fueled bubble is building in farm land.

While some bankers said they are starting to see startups and business expansion among their customers, others noted that some small businesses are still struggling.

Said one lender: “While we have made it through the fiscal cliff and sequester, our family-owned business customers are still not willing to invest.”

A relatively high rate jobless rate is also worrisome. “Unemployment continues to impact spending, market sentiment and attitudes about the state of the economy,” one respondent noted.

HOW THE INDEX WORKS

The Index of Banking activity is a diffusion index made up of 11 equally weighted sub-indicators that summarize various business activities, such as loan activity (e.g. applications, approvals, delinquencies and loans outstanding), loan pricing, deposit account activity, staffing, and business and real estate conditions.

Respondents are asked whether each sub-indicator increased, decreased or had no change from the previous month. Responses do not include opinions, intentions or expectations, although bankers were given the opportunity to comment about market conditions.

FUTURE INDEX READINGS

Monthly readings of American Banker’s Index of Banking Activity will be presented as a time series that can be used to monitor the prevailing rate and direction of change in banking business cycles and eventually to benchmark whether an institution is operating in line with overall industry needs.

About American Banker Research

American Banker Research is a unit of American Banker, the flagship information brand of the diversified B-to-B media company SourceMedia. American Banker Research brings a full range of professional research capabilities to companies and executives in banking and payments. The unit manages the American Banker Executive Forum, a community of senior banking and payments executives who are committed to regularly sharing opinions and insights with the editorial and research groups at American Banker. Members include qualified professionals who read American Banker and its sister brands Bank Technology News and PaymentsSource, and attend their professional conferences. These include C-level executives and other senior professionals employed at commercial and community banks, bank holding companies and other financial companies across all asset classes.

About SourceMedia

SourceMedia, an Investcorp company, is a business to business media and marketing solutions company serving the financial industry and the related fields of professional services and technology. SourceMedia offers its clients and subscribers professional information services, industry-standard research, data applications, in-depth seminars and conferences, and specialized marketing services.

About VantageScore Solutions

VantageScore Solutions, LLC (http://www.vantagescore.com) is the independently managed company that owns the intellectual property rights to the VantageScore credit scoring models, including the recently announced VantageScore 3.0 model which provides up to 25 percent predictive improvement over earlier models and has the ability to formulate a score for 30 to 35 million previously unscoreable consumers. Initially developed by America’s three national credit reporting companies (CRCs) — Equifax, Experian and TransUnion — VantageScore Solutions’ highly predictive models use an innovative, patented and patent-pending scoring methodology that provides lenders and consumers with more consistent credit scores across all three national credit reporting companies.











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Biz2Credit Small Business Lending Index Reports Continued Improvement in Small Bank Loan Approvals in March 2013

Biz2Credit Small Business Lending Index Reports Continued Improvement in Small Bank Loan Approvals in March 2013

New York, NY (PRWEB) April 10, 2013

Small business loan approval rates increased for the fourth consecutive month at small banks, reaching an all-time index high of 50.8%, according to the Biz2Credit Small Business Lending Index, a monthly analysis of 1,000 loan applications on Biz2Credit.com. This rate marks an improvement from the 50.3% figure in February 2013 and the year-to-year comparison shows a significant increase from the March 2012 figure of 47.6%.

Meanwhile, small business loan approval rates at big banks ($ 10B+ in assets) decreased slightly in March 2013 to 15.7%, down from the 15.9% rate in February. Despite the drop at big banks last month, approvals by big banks are up 44% from the March 2012 figure of 10.9%.

“Small banks are decent increasingly aggressive in SBA lending, particularly through the SLA and SBA Express program loans,” said Biz2Credit CEO, Rohit Arora who oversaw the research. “While big banks have been steadily approving more applications in recent months, uncertainty in the economy is preventing higher rates of approval. Bigger banks are more wedged by extraneous issues, such as the budget Sequester.”

Credit union approvals of small business loans dropped for the tenth sequentially month to 45.5%, down from 45.9% in February. Approvals by imputed unions have dipped 21.4% in a year’s time. Further, small business loan approval rates are now at an all-time Biz2Credit Small Business Lending Index low for credit unions.

“Credit union lending has visibly lagged in recent months, despite its boom a year ago. As banks have returned to the small business credit market, the better qualified loan seekers are applying to banks for funding, thereby leaving credit unions with riskier candidates,” Arora explained. “For the credit unions to bounce back in small business lending, they must improve their technology and expedite the loan process. It also would be helpful if the government raised the credit unions’ member business lending cap (MBL) from 12.25% to 27.5% of total assets.”

Small business loan approvals by alternative lenders – accounts receivable financers, merchant cash advance lenders, Community Development Financial Institutions (CDFI), microlenders, and others –decreased slightly to 63.6% from the 63.7% rate recorded in February.

About the Biz2Credit Small Business Lending Index

Biz2Credit analyzed loan requests ranging from $ 25,000 to $ 3 million from companies in business more than two years with an average credit score above 680. Unlike other surveys, the results are based on primary data submitted by more than 1,000 small business owners who applied for funding on Biz2Credit’s online lending platform, which connects business borrowers with more than 1,100 lenders nationwide.

About Biz2Credit

Founded in 2007, Biz2Credit is a leading credit marketplace connecting small- and medium-sized businesses with lenders, service providers, and complementary business tools. The company matches borrowers to fiscal institutions grinded on each business’s unique profile — completed in less than 4 minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,100+ lenders, credit rating agencies such as D&B and Equifax, and small business served providers including CPAs and lawyers.

Having arranged $ 800 million in funding throughout the U.S., Biz2Credit is widely recognized as the #1 online credit resource for small business loans, lines of credit, equipment loans, working capital and other fund options. Visit http://www.biz2credit.com, follow on Twitter @Biz2Credit, and “Like Us” on Facebook at http://www.facebook.com/businessloan.


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