Moody's downgrades 16 Spanish banks

NEW YORK (Reuters) - Moody's Investor Service carried out a sweeping downgrade of 16 Spanish banks on Thursday, including Banco Santander, the euro zone's largest bank, citing a weak economy and the government's reduced ability to support troubled lenders.

All the banks' long-term debt ratings were downgraded by at least one notch, and some suffered three-notch cuts.

Spain's banks, awash in bad loans after a real estate boom went bust, are at the heart of the euro zone debt crisis because markets fear a state bailout would put a severe strain on the country's already stretched public finances.

Spain relapsed into an economic recession in the first quarter and likely faces a prolonged slump as the government tries to shrink its budget deficit by slashing spending.

"Amidst the ongoing euro area debt crisis, the Spanish government's rising budget deficit and the renewed recession, sovereign creditworthiness has declined," the ratings agency said. "This decline is a driver of today's bank rating actions."

Moody's had cut Spain's sovereign rating by two notches to A3 in February, placing it in the middle of its investment grade rating scale. It maintains a negative outlook on the credit.

Thursday's move came after Moody's downgraded 26 Italian banks on Monday and followed a press report about a run at troubled lender Bankia, Spain's fourth largest bank. The Spanish government, which took over Bankia last week, denied the report.

Santander suffered a three-notch cut to its long-term rating to A3 from Aa3.

Moody's also cut BBVA's long-term rating by three notches to A3 from Aa3 and put the credit on a negative outlook. BBVA is Spain's second largest lender.

BAD LOANS, LIMITED ACCESS TO FUNDING

Moody's said on April 13 it would begin issuing conclusions to various reviews for European banks and global financial securities firms, including big U.S. investment banks. This process was to begin in mid-May and conclude by the end of June.

The agency cited restricted bank access to funding and rapid deterioration of asset quality for all the downgrades.

Spain's banks have 307 billion euros ($391.15 billion) of exposure to a property market that crashed in 2007-2008, of which 184 billion euros is considered problematic, according to government estimates.

Four separate government reforms of the financial sector have failed to persuade investors that the banking system is safe, even though banks have set aside enough funds to absorb losses in up to 45 percent of their total exposure, including performing and non-performing loans and real estate holdings.

Caixabank's long-term rating was cut by three notches to A3. Moody's cited the bank's having reported a 32 percent increase in problem loans at the end of 2011.

The ratings agency cut Bankinter's long-term rating by three notches to Baa2, two notches above junk status. It cited the bank's heavy dependence on wholesale funding and restricted access to market funding.

Rival ratings agency Standard & Poor's took negative ratings action on 16 Spanish banks in April, days after it downgraded Spain's sovereign credit rating by two notches to BBB-plus.

Fitch Ratings has Spain's sovereign credit rating at A, about the mid-point of its investment grade scale.

The government's borrowing costs shot higher on Thursday after data confirmed the economy was back in recession.

Prime Minister Mariano Rajoy said Wednesday his government, which is struggling to reduce the budget deficit, could soon have trouble financing itself in the bond market unless the pressure eases.

The government's strained finances are another risk for banks, since many have used cheap loans from the European Central Bank to buy three-year and five-year government bonds.

Through March, Spanish banks held almost 150 billion euros of Spanish government bonds, up from about 76 billion at the end of November.

AFFECT ON U.S. BANKS

U.S. bank stocks are likely to face pressure because of investor concerns about their exposure to Spain, analysts said.

But because the Spanish bank downgrades were expected and because U.S. banks had ample time to reduce or hedge exposure, the financial impact is likely to be limited.

"The downgrades have been pretty well telegraphed but I don't think that means U.S. bank stocks won't sell off," said Keith Davis, an analyst with Farr, Miller & Washington. "There's a knee jerk reaction; when things go wrong people sell first and ask questions later."

(Reporting by Steven C. Johnson; Additional reporting by Luciana Lopez, Daniel Wilchins and Steven C. Johnson in New York and Sonya Dowsett and Fiona Ortiz in Madrid; Editing by Leslie Adler)

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The Scienceblogging Weekly (May 18, 2012)

Blog of the Week:

For the greatest portion of the history of biology, every organism was a ?model organism?. One would pick a problem and then choose which organism would be most suited for answering those particular questions. Then, in the 1990s, everyone jumped onto the bandwagon of studying just a handful of organisms that could be genetically modified at the time: mouse, fruitfly, thale cress, zebrafish, African clawed frog, bread mold, brewer?s yeast, or E.coli. All the other organisms were all but abandoned, only studied by a small number of die-hard researchers and, increasingly, amateurs. Now that technology allows us to investigate (and to some extent manipulate) entire genomes of almost any species we?d like, researchers are going back and rediscovering the abandoned model organisms once again. One of these is Anolis, a large group of species of lizards, noted for their dewlaps, and known especially for their fast adaptive radiation on tropical islands.

And now there is a blog that covers everything about these lizards ? Anole Annals. Posts are written both by veteran researchers and their students, from several laboratories, as well as other contributors. They cover both recent and historical papers on evolution, ecology, biogeography, behavior, physiology, biomechanics and genetics of this diverse group of reptiles. They also describe their own research, including anecdotes and adventures from field work, equipment they use in the lab, and successes in discovery. On top of that, they help people ID the species from pictures, pay attention to the appearance of anoles in art and in the popular culture and generally have a lot of fun doing all of this. A blog entirely devoted to just one group of animals sounds very ?niche?, but what they did was build a blog that has something for everyone and is a great fun (as well as insightful and educational) read for everyone.

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Top 10:

The secret molecular life of soap bubbles (1913) by Greg Gbur:

?Today we take for granted that all material objects in the universe are comprised of discrete ?bits? of matter, which we call atoms; however, even up until the early 20th century there were still proponents of the continuum hypothesis, in which all matter is assumed to be infinitely divisible?

Motherhood, war, and attachment: what does it all mean? by Emily Willingham:

I?m sure many mothers can attest to the following: You have friends who also are mothers. I bet that for most of us, those friends represent a spectrum of attitudes about parenting, education, religion, Fifty Shades of Grey, recycling, diet, discipline, Oprah, and more. They also probably don?t all dress just like you, talk just like you, have the same level of education as you, same employment, same ambitions, same hair, or same toothpaste. And I bet that for many of us, in our interactions with our friends, we have found ourselves judging everything from why she insists on wearing those shoes to why she lets little Timmy eat Pop Tarts. Yet, despite all of this mental observation and, yes, judging, we still manage to get along, go out to dinner together, meet at one another?s homes, and gab our heads off during play dates. That?s not a war. That?s life?.

As oxygen filled the world, life?s universal clock began to tick by Ed Yong:

The Earth?s earliest days were largely free of oxygen. Then, around 2.5 billion years ago, primitive bacteria started to flood the atmosphere with this vital gas. They produced it in the process of harnessing the sun?s energy to make their own nutrients, just as plants do today. The building oxygen levels reddened the planet, as black iron minerals oxidised into rusty hues. They also killed off most of the world?s microbes, which were unable to cope with this new destructive gas. And in the survivors of this planetary upheaval, life?s first clock began to tick and tock?.

Poisoning the Dalai Lama. Or Not by Deborah Blum:

Earlier this week, the Tibetan Buddhist leader, the Dalai Lama, told British journalists that he?d been warned of an ingenious Chinese plot to assassinate him with poison. Very ingenious, according to the plot he laid out for the Sunday Telegraph. He?d learned, he said, of a plan to send out a squad of women, pretending to be followers, who would have poison spread through either their hair or headscarves. When he laid his hands on their heads for a blessing, a lethal dose could be absorbed through his skin?

The Brain Hidden Epidemic: Tapeworms Living Inside People?s Brains by Carl Zimmer:

?.But sometimes tapeworms take a wrong turn. Instead of going into a pig, the eggs end up in a human. This can occur if someone shedding tapeworm eggs contaminates food that other people then eat. When the egg hatches, the confused larva does not develop into an adult in the human?s intestines. Instead, it acts as it would inside a pig. It burrows into the person?s bloodstream and gets swept through the body. Often those parasites end up in the brain, where they form cysts?.

Why Octopuses Should Run Our National Security Infrastructure by Annalee Newitz:

Next time the government wants new ideas about how to protect our nation?s security, it should consult an octopus. That?s the unusual proposition of marine biologist Rafe Sagarin, a pioneer in the infant field of ?natural security,? where experts use models from nature to help them come up with emergency responses to everything from terrorist attacks to pandemics. Sagarin has just published a book about his work called Learning from the Octopus: How Secrets from Nature Can Help Us Fight Terrorist Attacks, Natural Disasters, and Disease. Any scientific theory that involves the superiority of cephalopods is automatically intriguing, so I called up Sagarin to talk about it.

Solving the Mystery of the Placental Jellyfish by Craig McClain:

Yesterday the DSN crew first saw the video above. What is this large floating sheet of goo? Is it alive? Was it once alive? The two leading contenders seems to be that it is A) an old whale placenta or B) a rare and enigmatic deep-sea jellyfish. And the answer is?. B)

Physics?s PR problem: Moving beyond string theory and multiple universes by Ashutosh Jogalekar:

?.The problem is that most of the popular physics that the public enjoys constitutes perhaps 10% of the research that physicists worldwide are engaged in. Again, count the number of physics books in your local bookstore, and you will notice that about 90% of them cover quantum mechanics, cosmology, particle physics and ?theories of everything?. You would be hard-pressed to find volumes on condensed matter physics, biophysics, the physics of ?soft? matter like liquids and non-linear dynamics. And yes, these are bonafide fields of physics that have engaged physics?s best minds for decades and which are as exciting as any other field of science. Yet if you ask physics-friendly laymen what cutting-edge physics is about, the answers will typically span the Big Bang, Higgs boson, black holes, dark matter, string theory and even time-travel. There will be scant mention if any of say spectroscopy, optics, polymers, magnetic resonance, lasers or even superconductivity?.

Dear Media, Leave My Dinosaurs Alone by Brian Switek:

I wish I could take dinosaurs away from the media for a while. Someone certainly should. Lazy journalists and unscrupulous documentary creators have amply demonstrated that they just can?t play nice with Tyrannosaurus, Triceratops and kin?

Do Bonobos And Chimpanzees Offer A Path To Understanding Human Behavior? by Sheril Kirshenbaum:

What leads people to acts of violence and genocide? What triggers empathy and altruism? Duke evolutionary biologist Brian Hare and research scientist Vanessa Woods believe the answer may be found in the great ape known as the bonobo?.

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Special topic: snakes:

And the Cascabel will Fall Quiet? by John F Taylor. Rattlesnakes may actually be learning and they may become more dangerous if their roundups aren?t stopped.

Spore Dispersal by Snakes by Jessica M. Budke

The Secret to Success Is Giant-Jawed Snake Babies by Elizabeth Preston

Identifying snake sheds, part II by Andrew Durso

~~~~~~~~

Science:

Pacific plastic, sea skaters, and the media: behind the scenes of my recent paper by Miriam Goldstein. Once you are featured in The Onion, your career has reached the peak. What more can one do after that?

In the wake of high-profile controversies, psychologists are facing up to problems with replication. by Ed Yong. Psychology example, applicable at least to some extent to other fields.

The Flavor of Neutrinos by Matthew Francis

Confusing messages about sugar are stupid by David Despain

Two Earths would be needed to sustain human activity by 2030, report finds by Meghan Neal

Science vs. PR by Robert McHenry. How a scientific paper about chemistry turned into mass media articles about alien dinosaurs.

Who hates cilantro? Study aims to find out by Cari Nierenberg

Microbiology at Sea: A tale of ballast, vomit, and cockroaches by Holly Bik

Is the U.S. Ready for Home HIV Tests? by Benjamin Plackett

Lessons from the Lab: How to Make Group Projects Successful by Annie Murphy Paul. ?Megacollaboration is becoming the norm in science. Here?s what we can learn about what works when working together.?

Sometimes scientists have a duty to swap the pipette for the placard by Adam Smith

Academics on archosaurs: Jerry Harris by Dave Hone

Whistle Recognition in Bottlenose Dolphins by Tara Thean

The regulation of nonsense by Jann Bellamy on medical quackery and CAM.

What Happens to All That Volcanic Ash? by Erik Klemetti

Cannibalism? by Mark Crislip

Science Standards: The Next Generation by Rhett Allain

Is the holocaust denial/climate change denial comparison apt? by Mark Hoofnagle

The Coming Beepocalypse, It?s hard out there for a bee, and Bees and STDs by Bug Girl

Huge Turtle Was Titanoboa?s Neighbor by Brian Switek

De-caffeinating pills? Say it ain?t so, Think Geek by David Kroll

Human morality is evolving by Ken Perrott

5 Things the Science Doesn?t Say About the Conservative Brain by Chris Mooney

The Republican Brain by Chris Mooney by Chad Orzel

Turning Wolves into Hounds by Heather Pringle

Dendrites of Direction by TheCellularScale

LA smog: more cows than cars? by Scott K. Johnson

The New Atheism and Evolutionary Religious Studies: Clarifying Their Relationship by David Sloan Wilson

Opinion: Academia Suppresses Creativity by Fred Southwick

Methods for Studying Coincidences by Samuel Arbesman

Is misconduct more likely in drug trials than in other biomedical research? by Ivan Oransky

A rising tide of willful ignorance by Rob Schofield. Lobbyists pushing to dictate which data scientists are allowed to use.

~~~~~~~~

Media, Publishing and Technology:

All A?Twitter: How Social Media Aids in Science Outreach a Master?s Thesis by Caitlyn Zimmerman about the pros & cons and strategies in using social media in Marine Conservation outreach.

Guest Editorial: It?s Time To e-Volve: Taking Responsibility for Science Communication in a Digital Age by Christie Wilcox

Young scientists ask: Is there room out there for one more science communicator? by Denise Graveline

The SA Incubator: Helping Hatch Science Writers Since July 2011 by Erin Podolak

Research Blogs and the Discussion of Scholarly Information by Hadas Shema, Judit Bar-Ilan and Mike Thelwall, a research paper about science blogs using the ResearchBlogging.org aggregator. Responses by Scicurious, Neurocritic, Jonathan Eisen, Caroline Tucker, Misha Angrist and Invader Xan.

Beyond a Trend: How Scientists Use Social Media by Jessica Rohde

Twitter is like? by dorkymum. A beautiful metaphor to try on n00bs.

Do I Write? Or Do I Tweet? by Geoff Brumfiel

Mom, this is how twitter works by Jessica Hische

Printed books existed nearly 600 years before Gutenberg?s Bible by Annalee Newitz

Digital Pagination by Nate Barham. The page-flip is just another in a long line of ?unnecessary? features to help us poor humans understand the content.

My personal take: 3 reasons I don?t like newspaper paywalls by Mathew Ingram and a response to it, Paywalls are backward-looking by Dave Winer.

Commenting, Moderation, and Provocation by Marc Bousquet

Aggregation guidelines: Link, attribute, add value by Steve Buttry ? a definitive guide.

Please Don?t Learn to Code by Jeff Atwood, and Should you learn to code? by Dave Winer, and Don?t tell me not to learn! by Eva Amsen.

The newsonomics of News U.: Journalism and education are both about knowledge. Could their post-disruption business models start to blur? by Ken Doctor.

See, this is why publishers irritate me so much and Publishers versus everyone by Mike Taylor

The government spends billions on research. Should we have to pay $20,000 more to see the results? by Suzy Khimm

The Tao of Shutterstock: What Makes a Stock Photo a Stock Photo? by Megan Garber

How Facebook Saved Us from Suburbia by Christopher Mims and Does Facebook Turn People Into Narcissists? by Tara Parker-Pope

The tip of the iceberg- what digital photography really costs by Brendan Moyle

A Brief History and Proposed Definition for ?Attention Economics? by Adrian J. Ebsary

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Edwards' downward spiral fueled by ambition, narcissism

CHARLOTTE, N.C. -- In 2001, when I was a political/metro columnist for The Charlotte Observer, I had lunch with Sen. John Edwards at a Southern soul food restaurant on Tryon Street -- i.e. Wall Street South -- between the headquarters buildings of the twin banking colossi that defined this city. Back then, Bank of America and Wachovia were on a feeding frenzy, consuming every bank in sight, and the Observer was flush with cash, so much so that the senator and I split an appetizer before the entrees.

The crab dip was OK. Nothing special.

What I remember most about the meal, other than what a quick study Edwards was on the ways of Washington, was how the two of us went at that crab dip. Both of us. Like we didn't know where the next meal was coming from. Granted, I'd not had breakfast, and the senator was in a hurry, but it was funny and scary in hindsight, especially considering Edwards was worth some $40 million while I was barely socking away $40 a week in Knight-Ridder's 401(k) plan.

At the same time, that incident made me think Johnny Reid Edwards knew something of the two Americas of which he so often spoke. Both of us had come from families who struggled to make it, whose fathers worked in North Carolina textile mills. Edwards' dad worked for a mill in Robbins; my dad worked second shift at the Osage Mill in Gastonia while going to college on the G.I. bill during the day with a wife and two babies at home.

The verdict in Edwards' trial over alleged campaign finance violations has now been left to Greensboro jury. Today, I don't think of him as an anti-hero who will get much sympathy from his former constituents in the Tar Heel state. In four years, Edwards has gone from presidential contender to living a life that looks straight out of "Mad Men," with sidekick Andrew Young in the role of the slippery Pete Campbell to Edwards' Don Draper. Most everyone in this Edwards drama -- the Edwards, the Youngs, Reille Hunter, Bunny Mellon -- come off as spoiled and selfish and craven, all stricken by Potomac fever -- the need to make a name in politics.

No one had it worse than Edwards.

In October 2003, I spent Jefferson-Jackson weekend in Iowa covering Edwards during his first presidential run. There was a two-hour campaign bus ride with the Edwards family set up by Jennifer Palmieri, the press handler turned Elizabeth Edwards friend turned White House operative whose searing testimony represented one of the most poignant moments in the trial. I'd never met Elizabeth before that weekend, and got on the bus half complaining to her about a speeding ticket I'd just received.

Elizabeth responded apropos.

"Me, me, me," she said. "John always reminds me that the media begins with M-E me."

I liked her immediately, her sassy spunk, her earth-girl ease, and how she joked about being married to a man who looked 20 years younger than her. On the bus, Elizabeth talked about their decision to have two more children instead of one because they did not want one child burdened with "replacement child syndrome" to make up for the son, Wade, they lost in a car accident in 1996.

"We asked, 'What brought joy into our lives?' " she said. "We agreed it was children."

Back then, Edwards was the new "it" boy in the Democratic Party. With his Southern charm, telegenic looks and small-town story, he was the one Democrat Bush and Cheney feared in 2004. On that bus tour, Edwards downed enough Diet Cokes to kill a pack of lab rats, then he would stop and run five miles and go back to campaigning. He was an absolute robot, a megalomaniac with stamina and drive, as perfect a candidate as you could find.

Until there was nothing to campaign for. Then it all fell apart.

Last weekend marked the second Mother's Day since Elizabeth died in December 2010, and now Elizabeth's three children are being raised by a father who allegedly used campaign funds to hide his mistress and baby mama, Rielle Hunter. Edwards has three children younger than 14 -- Emma Claire, Jack and Frances Quinn Hunter, the love child Edwards convinced Young to claim as his own. Hunter now lives in Charlotte, two miles from the site of this summer's 2012 Democratic National Convention and four doors down from my parents.

I always figured a fling would be Edwards' undoing. He had all the ingredients, the nascent narcissism, the vanity, the constant need for ego approval that politicians feed on like oxygen. After the 2004 campaign was over, Edwards was in no man's land, with no political office, hustling contributors for money while trying to draw attention to his charity about two Americas. There no adoring throngs and no kids and no Elizabeth with him.

In that weak moment, in 2006, Edwards met Rielle Hunter.

Perhaps the most precise and exacting evidence of Edwards' character is captured on the videos his mistress made. (Talk about feminine justice.) On the introductory video, Edwards is shown climbing aboard the private plane, telling her camera, "I have come to the personal conclusion that I want the country to see who I am. Who I really am. ... For me personally, I'd rather be successful or unsuccessful, based on who I really am, not based on some plastic Ken Doll that you put up in front of audiences." At one point, he instructs a crowd of Iowa teachers. "I want to see our party lead on the great moral issues. Yes, me, a Democrat, using that word." Talk about chutzpah. And cajones. Big brass ones.

Later, he's like a giggly school boy showing off the cursory notes to his stump speech, blushing and gushing and flirting with Hunter's camera. He's clearly in love. With whom? Credit Hunter this much: If Edwards wanted a videographer to capture his essence, he hired the right one.

It's all right there on tape, a cautionary tale for anyone who assumes Icarus wings. If I could ask him one thing, I would say, "Dude, Rielle, a sex tape?"

In Edwards defense, politicians are often among the most needy and narcissistic people you'll ever meet. They seem to think if they can tell one more little white lie, or one more whopper, or create one more attack ad, they can buy enough time to survive. Bill Clinton pulled it off; Edwards did not. Not that he didn't try. In his "confessional" to ABC's Bob Woodruff, once again Edwards denied the love child.

Somewhere along the way, Edwards forgot the two Americas I'm convinced he knew so well. What I remember most about our lunch on Tryon Street as much as his intellect was the hunger, the ambition that ultimately consumed him. If I know Edwards, if there is a way to remake his life after the trial, if there is an angle for redemption of his ego, a Don Draper move, Edwards will figure it out. But maybe what he should do is what he promised to do after Elizabeth died: simply become the best father he can be.

His children need him. Especially the little one here in Charlotte he for so long denied.

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Low-Cost Home Based Business Advertising - Give a Little, Get a Lot

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First, l??k t? search engines to boost ??ur business and ?? ? great method for low-cost home based business advertising. Registering ?our business ?n the major search engines i? imperative to building ?our business. Most people who g? l?oking f?r som?th?ng on th? internet seek ?ut Google, AltaVista, and Yahoo! to find a business, ?o for a small fee, y?ur low-cost home based business advertising ?n th?s? widely u??d search engines exposes y?u t? millions of consumers.

Beyond th? large search engines, ?n?ther great low-cost home based business advertising opportunity involves pay-per-click engines. You can check out applicable keywords ?nd ? search count of thos? keywords throughout v?ri?us search engines. Then ?ou can compare th? cost ?f bidding on tho?e keywords. The pay-per-click method ?s ? great way f?r low-cost home based business advertising as long ?? ??u track ??ur sales fr?m the engines in order to make ?ure ??u are adjusting ??ur bids for th? b?st return possible.

You ?l?? c?n create and publish an opt-in newsletter for low-cost home based business advertising. The great part ?bout creating thi? newsletter, a? people w?ll sign up and subscribe t? th? newsletter, ?o ??u kn?w th?y ?re alre?d? interested ?n wh?t y?u h?ve t? offer. By us?ng th? newsletter as ? low-cost home based business advertising outlet, you ?an reach a ready-made consumer group.

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Furniture: What Does Your Home Say About You?

Deciding on materials for your home furniture is a difficult decision as there are many factors you need to consider.
Top 5 Considerations:
? Practicality
? Cost
? Style
? Durability
? Colour
Different people will always prioritise different factors, and everyone has an individual taste when it comes to colour and style.
But while there is no one simple answer to which kind of furniture you should buy, the guide below will give you an insight into what certain materials are likely to say about you!

Image by Boa-Franc

Oak
If you have lots of oak in your home you are likely to be family orientated. Oak suggests a warm, traditional, country style of living.
Oak?s durability makes it great for families with children!
An oak dining table is a beautiful centrepiece at the heart of your home and oak living room furniture can extend your countryside theme further into the house.
There are two types of oak furniture available ? solid oak and oak veneers.
Solid Oak: If you are looking for an investment piece, then choosing solid oak is a great option. Solid oak will last a very long time, and can always be re-sanded and re-finished. It is also unique and has lots of character.
Oak Veneers: But if solid oak is too expensive for your budget, oak veneers may be a better choice. Veneers improve the look of cheaper materials, and while not as durable as solid oak, they are still visually appealing.
Oak comes in red and white varieties; red is the most popular, white is the most durable.

Glass
A home with lots of glass furniture is likely to belong to someone neat, modern and fashionable. The owners of glass dining tables are people who enjoy entertaining
If you have young children it?s best to avoid glass furniture; it may be easy to clean, but it is also easy to break!
A glass dining table looks elegant and sophisticated; perfect for wining and dining, and little need for decoration. Glass topped coffee tables offer a lovely way to display photographs or artwork. Great if you?re creative!
Furthermore, glass bookshelves offer an elegant way to display your collections, without taking attention away from the rest of the room.

Dark Wood
Dark hardwood suggests confidence and power. If you have lots of dark wood in your home it is likely that you are high flying, with a good sense of style.
Dark wood can easily overpower a room, so if you are not knowledgeable about interior design, try to use it in moderation. It is also best used in rooms that get a lot of light.
Two popular dark hardwoods are walnut and mahogany. Walnut is available in light brown to dark; mahogany comes in a range of colours, from tan to a reddish-brown. While not quite as durable as oak, these woods have a good resistance to wear and tear.

Plastic
If you have lots of quality plastic furniture in your house, it is likely that you are a risk-taker on the cutting edge of modern design. If, on the other hand, you have adapted plastic garden furniture for home use, it is likely that you are extremely budget conscious!
It is difficult to analyse a home with plastic furniture, as plastic is usually found at either the top end or the low end of the furniture scale.
If you want your home to look warm and inviting, solid plastic is not the material to use. But its durability makes it the ideal material for a child?s playroom.
Alternatively, PVC veneers are a great way to introduce bright colours into your home, and used in moderation they can still make a home look comfortable. They are very on trend at the moment, and particularly good on kitchen units, for an instant design statement!
If your goal is to create an ultra-modern living space, then plastic could be the ideal material for you. It is also a great choice if you have an eye for design and love mixing and matching bright colours.

Which Should I Buy?
Ultimately it?s always going to be down to personal choice, and every material can look great in the right setting.
But before you go shopping, try ordering the bullet points at the top of the page from 1-5. As long as you know from the start what is most important to you, you?ll be sure to be happy with the end result!

Which is your favourite material?

Estelle Page is a freelance interior designer and design-conscious blogger, on a mission to make interiors everywhere stunning, one home at a time.

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Apartment Careers: Real Estate/Property Management jobs ...

About Pinnacle.

We invest in great people. That's why clients trust us with their real estate investments!
At Pinnacle, we consider our employees our most valuable asset. In fact, our number one key business objective is to attract and retain the best talent in the industry! At Pinnacle, the key to our continued success and competitive advantage is our people.

We offer a total compensation and benefits package to help with your needs today and build for your future tomorrow. We recognize that each employee is an individual with individual needs, lifestyles, and interests. Our benefits package was created with the flexibility to support employees who are at different places in their lives and careers.

Pinnacle values diversity and is committed to equal opportunity in employment. We offer a safe, healthy work environment for employees through a commitment to maintaining a drug-free workplace.
Pinnacle has ongoing employment opportunities at our headquarters in Seattle, our more than 40 branch office locations nationally and our many managed communities throughout the country.

Pinnacle is the national leader in third-party fee management of investment real estate encompassing multi-family, commercial space, affordable housing and military housing. Pinnacle is built on four basic principles:

Quality people

Strong customer service

Solid market knowledge

Superior systems and support capabilities

At Pinnacle, success is about more than having a healthy bottom line. Guided by our principles and values, we are committed to making Pinnacle an amazing and unique place to work for each member of our team.

About the job..

As a Leasing Consultant at Pinnacle you will play an important role with the onsite management team. Our Leasing Consultants look forward to working with an exceptionally skilled and highly trained team, geared to support your efforts to be successful. Our Leasing Consultants are people who make a big impact in many small ways - a friendly smile, a welcoming handshake, a genuine interest in the people walking through the property office door. Our Leasing Consultants create a positive and lasting influence on visitors, prospects and residents, and understand the importance of first impressions.

As a Leasing Consultant, you manage your own success by attaining leasing goals, such as occupancy and rent growth, and by building rapport with prospects and residents.

Essential Responsibilities:

Generate interest in the community by touring the property with prospects as you answer questions about the numerous amenities, local community and beautiful grounds.

Drive the sale by highlighting the quality of the community and the lifestyle available Pinnacle apartment home.

Assist prospects in qualifying for an apartment home by collecting appropriate information and initiating background checks.

Ensure apartments are prepared for move-in.

Deliver unmatched service to residents to exceed their expectations, while maintaining resident retention.

You will also use your attention to detail, planning and organizing skills to perform required office activities and coordinate paperwork related to apartment home rentals.

Personal Competencies:

Articulate

Organized/Detail Oriented

Customer oriented

Persuasive

Enthusiastic

Team player

Goal oriented

Qualifications:

High School or equivalent, Bachelor's Degree is preferred.

Minimum of one year experience in a customer service or sales position

Basic computer skills in a Windows environment.

Effective communication and customer service skills.

Ability to interact with others in a team environment.

Pinnacle has grown to become America's largest apartment manager through many different successes. Yet, in today's ultra-competitive market, each success must fuel the next and speed is essential in the ongoing race to lead the industry.

If you are ready to work hard and be empowered and encouraged to innovate, contribute ideas and discover solution to provide current and potential residents with unparalleled, world class customer service please click Apply Online.

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