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This has the inserted color reproduction of Howes Map of the Oil District of Pennsylvania, originally printed in 1866. Friends of Drake Well, Inc. , Flaherty, Kathy, J. , editor, Oilfield Journal Volume 9, 2010 20011. Softbound, illustrated, 82 pagesGaglione, Charles, Secretary Italian Civic Club, History of the Italian Civic Club 1931 1999. Softcover with spiral binding, 126 pages with illustrations.
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But online learning presents new obstacles, particularly with uneven levels of technology and adult supervision. Titilayo Aluko, 18, a junior at Landmark High School in Manhattan, is one of the students trying hard to keep up with her classes who has been thwarted by her lack of access to technology. She has a district issued laptop, but no Wi Fi network in her Bronx apartment since her family had trouble paying the monthly bill. For classes like statistics and neuroscience, Ms. Aluko has tried to complete assignments and participate in video conferences using her cellphone, but that is sometimes impossible. I actually need my teachers, who know me and understand me, to help me, and I dont have that, she said. I just keep thinking, Oh, my God, I might not pass. Im just really scared for the future. Cratering attendance in some districts contrasts with reports from several selective or affluent schools where close to 100 percent of students are participating in online learning. The dramatic split promises to further deepen the typical academic achievement gaps between poor, middle class and wealthy students. The scale of the challenge, and the work that will need to be done to catch children up academically and socially, is huge, said Michael Casserly, executive director of the Council of the Great City Schools, a network of urban education systems.
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Mortgage REITs borrow money based on short term rates, and then use the cash to buy long term bonds. The bigger the gap or spread between the funding costs and the yields on the mortgages they purchase, the bigger the profit. But, as rates rise, bond prices fall, which means the mortgage REIT gets a double whammy of higher borrowing costs and lower yields on the mortgage securities it holds. When this happens, a REIT may opt to trim its dividend or even suspend it. And thats the danger investors potentially face if they buy into this group solely for the lofty dividend yield. But some experts believe the rate risks have been overblown and are already priced into certain beaten down REIT stocks. The countrys sluggish economic recovery, cheap oil prices and low inflation dont justify big rate hikes, experts say. They predict the Fed will move slower and bring in smaller rate hikes than in past cycles. This would prevent REIT book values from tanking. Yet, some of the stocks have been priced like were about to enter a 1994 hiking cycle when that was almost never in the cards, said Jason Weaver, a senior vice president at Sterne Agee. Mortgage REITs, which hold mortgage securities on properties, currently offer a dividend yield of 11.
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