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Fixed-Income Insights
Muni Insurers: Profound Changes in the Post-Crisis Decade
The industry is far smaller than it was 10 years ago. What role does it play in the current market?
[Note: This article is from the October 2017 edition of The Muni Quarterly.]
Before the financial crisis of 2008–09, bond insurers were a major factor in the municipal-bond market. At the peak of activity in the bond insurance industry, there were seven 'AAA' rated bond insurers, and approximately 60% of all new-issue municipal bonds were insured. But in the wake of the meltdown of the subprime mortgage sector that precipitated the crisis, many observers predicted the demise of the bond insurance industry.
Nearly a decade later, however, the industry is still around, albeit in a much smaller form. Currently, only about 6% of the municipal new-issue market comes with bond insurance, and there are only two active bond insurers: Assured Guaranty Ltd. (Assured) and Build America Mutual (BAM).
The primary function of municipal bond insurance is to provide investors with an additional layer of protection against loss. So, if there is an event of default by an issuer, the insurer supports the debt-service payment for the life of the bonds. In addition, bond insurance often enhances liquidity and provides price stability if the underlying credit quality of the bond deteriorates. When insured bonds are marketed, they are assigned the insurer's bond rating. In exchange for the added security, the investor accepts a lower return as a result of the higher rating.
Before the onset of the financial crisis, the majority of insurers carried 'AAA' ratings, allowing most muni-bond issuers to obtain the benefit of a higher rating by using insurance. An issuer could choose to have its bonds covered when the cost savings derived from issuing bonds at the insurer's rating level exceeded the cost of the insurance premium.
Boom and Bust
The first policy was written in 1971 when AMBAC insured bonds issued by the Greater Juneau Alaska Borough. The bond insurance business received a boost from two high-profile events: New York City's brush with bankruptcy in 1975, and the default on the bonds of Washington Public Power Supply System in 1983. Growth continued as the municipal bond market transformed, from an industry in which banks were major participants to one that became dominated by individual investors who were less inclined, or less able, to perform their own credit analysis. By 2005, the proportion of new municipal issuance (on a par-value basis) covered by insurance reached a peak of 57%.
The low frequency of municipal-bond defaults made the bond insurance business seem safe. However, insurers began to increase their leverage, insuring bonds using less capital. They also diversified into the more lucrative business of insuring structured debt instruments. The fact that many of these securities were backed by subprime mortgages led to sizable claims on the insurers' modest layers of capital when the crisis began to hit in 2007, resulting in the insurers becoming insolvent or suffering multiple-notch downgrades from credit rating agencies.
At its low in 2012, the percentage of newly issued muni bonds covered by insurance was only 3%. Since then, the issuance of insured bonds gradually has picked up, and now represents approximately 6% of all issuance. It is important to reiterate that municipal bonds had no role in the collapse of the bond insurers.
Post-Crisis Landscape
As the only insurer to survive the financial crisis relatively unscathed, Assured "owned" the new business insurance market from 2009 until BAM came along in late 2012. Assured operates through two primary subsidiaries: Assured Guaranty Municipal Corp. (AGM) and Assured Guaranty Corp. (AGC). Both are rated 'AA' by Standard & Poor's (S&P), while Moody's rates AGM 'A2' and AGC 'A3.'
Bond Insurance: Where the Major Players Stand
Source: Company filings. Data as of June 30, 2017. Claims-Paying Resources (CPR) consist primarily of statutory capital (policyholders' surplus and contingency reserve) and unearned premium reserves. References to these specific securities and issuers are for illustrative purposes only, and are not intended, and should not be interpreted as, recommendations to purchase or sell such securities or assume that investments in the securities were or will be profitable.
*Bond insurance operations of MBIA Corp.
**Currently operating under a rehabilitation plan with the Superintendent of Financial Services of the State of New York.
BAM, with its public finance-only focus and unique mutual business model, was able to capture business immediately, attaining a 38% share of the bond insurance market by 2013. A key advantage for BAM is a lack of legacy problems. Bonds from troubled issuers Harrisburg (PA), Stockton (CA), Detroit, and Puerto Rico are all missing from BAM's list of exposures. However, a disadvantage of being a startup is size, with BAM's claims paying resources of $643 million dwarfed by Assured ($12.2 billion) and National Public Finance Guarantee Corp. ($4.6 billion).
The latter firm represents the remaining operations of another major pre-crisis player in the industry. In 2009, MBIA Corp. reorganized itself so that its municipal insurance business, National, was effectively walled off from the structured finance business. In early 2014, National was upgraded, to 'AA-' from 'A' by S&P and to 'A3' from 'Baa1' by Moody's, but then was downgraded, to 'A' by S&P in June 2017. These ratings were never sufficient to support National's effort to reengage with the new-issue market; and in July 2017, the company formally announced that it was no longer seeking new-issue underwriting.
Besides the two active bond insurers and National, there are several other insurers that are now in run-off mode, writing no new business, but managing remaining exposures. Ambac, which was formerly rated 'AAA,' filed for bankruptcy in 2010, and then reemerged in 2012. Under supervision of the Wisconsin Insurance Commissioner, Ambac is undergoing rehabilitation (the insurance version of restructuring/bankruptcy), which included the establishment of a segregated account into which the more problematic exposures were placed. Ambac has paid most claims, including those on Puerto Rico bonds. Although Ambac has $8.8 billion in claims-paying resources, it has significant deferred claims, so there is no assurance that these resources will be available in the future to pay claims.
FGIC is another insurer that had been rated 'AAA,' but it was downgraded to below investment grade. In September 2008, most of FGIC's public finance insured par outstanding was reinsured by MBIA. In 2012, FGIC was placed into rehabilitation by the New York State Superintendent of Insurance, and a plan was approved with an initial cash payment on claims of 17%, which has been increased most recently to 25%, which is the percentage FGIC paid on Puerto Rico claims. The plan became effective in August 2013.
Current Challenges
The current environment has been challenging for the bond insurers. Low interest rates constrain returns on the insurers' investment portfolios, weighing on profitability. The majority of the insurers' investment portfolios consist of fixed-rate securities. The bigger challenge has been credit-spread compression, which often accompanies low interest rates, as investors are willing to accept increasingly more risk (which means less bond insurance) in order to attain higher incremental yield. If and when interest rates rise, the bond insurance industry should, we believe, see an increase in volumes and profitability.
Puerto Rico's fiscal crisis has had an impact on insurers. Of the surviving insurers, only BAM can claim no exposure to Puerto Rico. Assured's exposure to Puerto Rico bonds is $5.5 billion gross par amount, and National's is $4.3 billion. Although these numbers are sizable, the exposure becomes a bit more palatable if one were to consider that bond insurance guarantees timely payment of principal and interest only when due. For example, in 2017, debt service on Puerto Rico bonds is $464 million for Assured and $333 million for National. The credit rating agencies have reported that even assuming severe haircuts on Puerto Rico debt, Assured and National should have sufficient resources to cover their insured exposures.
Although it plays a less prominent role in the market, bond insurance still serves an important function for many municipal investors. The insurers have and continue to cover payments from the few defaults that have occurred over the past several years. The value of insurance is evidenced by the fact that Puerto Rico bonds insured by Assured and National are trading close to and above par, while the uninsured bonds are priced well below 50. We expect the industry to survive, and although bond insurance can provide additional security for the bonds that we purchase, the credit quality of the underlying issuer will be our primary consideration. That is why our analytical team's credit research is a critical input in our investment decisions.
This commentary may contain assumptions that are "forward-looking statements," which are based on certain assumptions of future events. Actual events are difficult to predict and may differ from those assumed. There can be no assurance that forward-looking statements will materialize or that actual returns or results will not be materially different from those described here.
This material is provided for general and educational purposes only. It is not intended as an offer or solicitation for the purchase or sale of any financial instrument, or any Lord Abbett product or strategy. References to specific asset classes and financial markets are for illustrative purposes only and are not intended to be, and should not be interpreted as, recommendations or investment advice. The examples provided are hypothetical, are for illustrative purposes only, and are not indicative of any particular investor situation.
A Note about Risk: The value of an investment in fixed-income securities will change as interest rates fluctuate and in response to market movements. As interest rates fall, the prices of debt securities tend to rise. As rates rise, prices tend to fall. Investing in the bond market is subject to risks, including market, interest rate, issuer, credit, inflation risk, and liquidity risk. The municipal bond market may be impacted by unfavorable legislative or political developments and adverse changes in the financial conditions of state and municipal issuers or the federal government in case it provides financial support to the municipality. Income from the municipal bonds held could be declared taxable because of changes in tax laws. Certain sectors of the municipal bond market have special risks that can affect them more significantly than the market as a whole. Because many municipal instruments are issued to finance similar projects, conditions in these industries can significantly affect an investment. Income from municipal bonds may be subject to the alternative minimum tax. Federal, state and local taxes may apply. Investments in Puerto Rico and other U.S. territories, commonwealths, and possessions may be affected by local, state, and regional factors. These may include, for example, economic or political developments, erosion of the tax base, and the possibility of credit problems.
The credit quality of the securities in a portfolio are assigned by a nationally recognized statistical rating organization (NRSRO), such as Standard & Poor's, Moody's, or Fitch, as an indication of an issuer's creditworthiness. Ratings range from 'AAA' (highest) to 'D' (lowest). Bonds rated 'BBB' or above are considered investment grade. Credit ratings 'BB' and below are lower-rated securities (junk bonds). High-yielding, non-investment-grade bonds (junk bonds) involve higher risks than investment-grade bonds. Adverse conditions may affect the issuer's ability to pay interest and principle on these securities.
This commentary may contain information obtained from third parties, including ratings from credit ratings agencies such as Standard & Poor's. Reproduction and distribution of third party content in any form is prohibited except with the prior written permission of the related third party. Third party content providers do not guarantee the accuracy, completeness, timeliness or availability of any information, including ratings, and are not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use of such content. THIRD PARTY CONTENT PROVIDERS GIVE NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. THIRD PARTY CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES, OR LOSSES (INCLUDING LOST INCOME OR PROFITS AND OPPORTUNITY COSTS OR LOSSES CAUSED BY NEGLIGENCE) IN CONNECTION WITH ANY USE OF THEIR CONTENT, INCLUDING RATINGS. Credit ratings are statements of opinions and are not statements of fact or recommendations to purchase, hold or sell securities. They do not address the suitability of securities or the suitability of securities for investment purposes, and should not be relied on as investment advice.
The information provided is not directed at any investor or category of investors and is provided solely as general information about Lord Abbett's products and services and to otherwise provide general investment education. None of the information provided should be regarded as a suggestion to engage in or refrain from any investment-related course of action as neither Lord Abbett nor its affiliates are undertaking to provide impartial investment advice, act as an impartial adviser, or give advice in a fiduciary capacity. If you are an individual retirement investor, contact your financial advisor or other fiduciary about whether any given investment idea, strategy, product or service may be appropriate for your circumstances.
The opinions in this commentary are as of the date of publication, are subject to change based on subsequent developments, and may not reflect the views of the firm as a whole. The material is not intended to be relied upon as a forecast, research, or investment advice, is not a recommendation or offer to buy or sell any securities or to adopt any investment strategy, and is not intended to predict or depict the performance of any investment. Readers should not assume that investments in companies, securities, sectors, and/or markets described were or will be profitable. Investing involves risk, including possible loss of principal. This document is prepared based on the information Lord Abbett deems reliable; however, Lord Abbett does not warrant the accuracy and completeness of the information. Investors should consult with a financial advisor prior to making an investment decision.
About The Author
The October 2017 edition offers insights from our analysts on key topics for municipal bond investors, along with essential market information.


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subset: commoncrawl


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Last Sunday was a ridiculously good day of live television for sports fans everywhere, with football's World Cup final in Russia being battled out between France and Croatia and tennis's men's singles final at Wimbledon seeing Novak Djokovic take on Kevin Anderson, writes Craig Goldthorp.
So I decided to go on an 80-minute car journey to the village of Gullane in East Lothian to follow the final round of golf's Scottish Open...
But what a good decision it turned out to be, as I witnessed a truly world class spectacle and a historic moment as champion Brandon Stone proved to be as tough as granite (sorry, I couldn't resist it) as he shot an unbelievable final round of 60 to romp to a comfortable four-shot triumph.
The firm and lightning fast fairways at Gullane meant that, on the downwind holes especially, players were hitting the ball even more prodigious distances than usual.
Sitting in the grandstand behind the 18th green, myself and the rest of the spectators looked on open mouthed as we saw a collosal 430-yard drive by American ace Ricky Fowler finish just short of the green on this 460-yard finishing hole.
Ricky – who is loved by the Scottish galleries – then proceeded to hit the flag with his 30-yard putt before lipping out with his five-foot birdie attempt.
If that was dramatic enough viewing, I was also fortunate enough to see winner Stone making a fantastic eagle three at the 16th, which effectively clinched the tournament for the 25-year-old from Rustenburg.
It was also entertaining watching Stone's fellow countryman Darren Fichardt, who firstly made a miracle par four at the first hole – despite his second shot from the left rough hitting a large advertising hoarding short left of the green and bouncing back into the rough!
Fichardt had been fuming at his ball unexpectedly hitting the sign, but recovered his composure admirably to chip the ball up and down from 30 yards.
I happened to see the South African again at the ninth hole, where he missed the green to the right with his second shot before proceeding to duff his chip and end up recording a double bogey six.
But seeing mistakes like that were extremely rare, on a day in which the overall standard of play was frighteningly high.
Fichardt's playing partner Eddie Pepperel shot a brilliant 64 to finish second.
To illustrate just how tough a school it was, Trevor Immelman (yet another South African), started the day just three shots off the lead, produced a flawless 65 and still ended up five strokes behind winner Stone whose total was a 20-under 260!
Top Scot was Stephen Gallacher – whose son Jack was caddying for him – with the Linlithgow-based ace ending up in a tie for ninth place on 13 under.
What a cracking day out it was, apart from just a few gripes from me.
The finish was a little anti climactic in a couple of ways – Stone ended up winning very comfortably and it would have been extraordinary to see him become the first man in European Tour history to shoot 59 rather than missing his eight foot birdie putt on the 18th green.
I was also a bit disappointed by the catering stalls (maybe I was just unlucky with the ones I chose!).
The fish and chip van I went to had run out of fish and the chips I got were the very last ones there, with several literally scraped from off the bottom of the barrel.
The lack of fish meant I went to the burger van next door.
There was a delay of several minutes waiting for fresh burgers to be booked, and when I finally got one it would be slighty stretching plausibility levels to describe this meal as "succulent and delicious".
Other than that though, what a day!


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Film Appearances
1998 Get Real as Steven's Mother Jackie Carter.
1987 The Naked Cell
TV appearances
As the mother of twins in the Childrens BBC show Home Farm Twins.
As bereavement counsellor Liz Moss in the TV show Dangerfield.
As Rachel Kominsky in BBC show Eastenders from the 19th March 1991 to 4th March 1993.
Mini TV series Four Feathers as Linda Clancy
Crocodile Shoes TV series as Rose Hall.
In episode 3 of Anna Lee as Carla W.
Guest appearance in Peak Practice(1993) playing Anna Chadwick in the episode Hopes and Dreams.
As Julie Novac in popular TV series Cardiac Arrest.
Other credits include BBC show Casualty,
Born : Lives in:


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Cezar Ferreira became Brazil's first middleweight 'Ultimate Fighter' tonight at UFC 147, but he had to work hard to get it against a game Serginho Moraes.
Ferreira looked much more comfortable in the early striking exchanges and was clearly the more technical fighter. He was being patient though, keeping his distance and then leaping in with short flurries of strikes. He also tried a flashy spinning capoeira kick that Moraes blooked.
For his part Moraes was just throwing wild punches which generally weren't landing, but were dangerous nonetheless.
In the closing stages of the round Ferreira landed a nice kick to Moraes ribs and then tried to follow up with more strikes against the cage, but he was caught by surprise by the ferocious series of punches that Moraes fired back at him and so he backed out of the exchange.
Ferreira really started to pick up the intensity in the first couple of minutes of the second round, and an early flurry of strikes opens up a cut on Moraes face. Moraes responds by trying to pull guard, but it doesn't work.
He gets up and Ferreira is pushing forward again and throws a wheel kick that has Moraes wobbled and he slumps to the mat. Ferreira swarms in, but Moraes has his bearings and is looking to start a ground battle and so he wisely backs out again.
After that initial success Ferreira goes back to a more methodical striking game for the remainder of the round, picking his shots.
Moraes has other ideas though and charges forward with a combination that misses. He's not finished yet though and his persistance pays off as he lands a right elbow that has Ferreira wobbled and hitting reverse gear. Moraes throws more strikes, but then slows down his pace a little which buys Ferreira valuable time to clear the cobwebs as the round ends.
Exciting stuff and there's still a round to go. Ferreira comes out looking like he's recovered and starts to tag Moraes with a few strikes. He's operating at a slower pace than the second round though and time ticks by with not a lot happening.
Moraes lands a solid shot, one of the few meaningful ones of the round so far and so that swings the momentum of this final five minutes towards him.
Not for long though as in the final minute Ferreira connects with a straight right that drops him to the mat. That could be the punch that seals the fight for Ferreira in the eyes of the judges and he knows it, opting not to dive into Moraes's guard, but rather tick down the clock by peppering his grounded opponent with a few leg kicks instead.
And so it's down to the judges to decide the middleweight 'Ultimate Fighter' and they award the unanimous decision to Cezar 'Mutante' Ferreira (29-28, 30-27 x2).


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Bar Vancouver Hiking Terms
Bar: A ridge of sand or gravel in shallow water built by waves and currents. Tsusiat Falls along the West Coast Trail on Vancouver Island has an excellent example of a bar. An enormous and ever changing sand bar created from the waterfall meeting the Pacific Ocean. Often this bar is a dozen metres high and 400 metres long as it runs parallel to the ocean before flowing into it. Similar to a barrier beach, however a bar is more pliable and recent than a barrier beach, which tends to have long-term plant growth on it.
The ever-changing bar created by Tsusiat Falls on the West Coast Trail. Every spring reveals a radically changed bar at Tsusiat Falls. Winter storms batter the shore and obliterate the established bar from the previous year. Though following roughly the same route every year, the bar here can be shallow or deep, winding or straight as it makes its way to the ocean.
The West Coast Trail is incredible. Everything about it is amazing. From its wildly, incomprehensibly enormous trees to it's endless jaw dropping views. And it's tough. Very tough. It is a trail that shouldn't exist. Trails always form out of the easiest route worn down over the years. This trail was formed out of necessity. And the route is the only route. Hemmed in by steep cliffs on one side and the ocean on the other, the route evolved where it shouldn't have. Always wet, always up and down, thousands of creeks and canyons. Even with all the construction of suspension bridges and ladders it's brutal. And yearly, winter storms blast down impossibly enormous trees. It's difficulty can be measured by its relatively short distance of 75km yet it takes 4-7 days to complete. This is for two wonderful, spectacular and telling reasons. First it is a jigsaw of a trail, up and down over endless chasms tangled with rainforest.
It just takes a long time to snake through. The second reason is just too good to be true. It's so beautiful. Wildly beautiful. And this is a phenomenon that the West Coast Trail is alive with. It's unbelievably beautiful at every glance. Everywhere you look. This alone would secure this hike as one of the worlds best. But there is another thing that combined with its beauty, makes it what it is. West Coast Trail. This is a phenomenon that is seldom understood or explainable. It's tough. The trail is brutal. It's invariably raining. So you are always wet. This makes you soggy and crabby. Tired and exhausted. The treacherous trail in this wet is muddy, slippery and requires your full attention at every step. This mesmerizes you as you hike. You focus completely on your next step and your mind relaxes into a meditative state. This is when it happens. You look up, catch a glance of what's around you. And it's marvelous. This is it. The West Coast Trail is a perfect combination of brutal difficulty and spectacular wildness and beauty.
The West Coast Trail, originally called the Dominion Life Saving Trail was built out of necessity because of the enormous number of shipwrecks that gave this stretch of ocean from Tofino to Victoria the brutal name, The Graveyard of the Pacific. With at least 484 shipwrecks, this trail formed to facilitate survivors walking to Victoria and rescuers hiking to help them. It inevitably became a recreational hike in the last few decades. It's difficulty, once it's worst trait, now it's defining feature. It lies within the Pacific Rim National Park Reserve which represents and protects three beautiful, coastal lowland forests. Long Beach, the Broken Group Islands, and the West Coast Trail.
Glossary of Hiking Terms Vancouver Hiking Trails
Ablation Zone: the annual loss of snow and ice from a glacier as a result of melting, evaporation, iceberg calving, and sublimation which exceeds the accumulation of snow and ice. Located below the firn line. Firn originated from Swiss German and means "last year's snow". It has been compacted and recrystallized making it harder and more compact than snow, though less compact than glacial ice. An excellent place to see an ablation zone is Wedgemount Lake in Garibaldi Provincial Park in Whistler. The Wedgemount Glacier has been receding for decades. In the 1970's the glacier terminated with a steep and vertical wall of ice at the shores of Wedgemount Lake. Today the glacier terminates a couple hundred metres above Wedgemount Lake.
Accumulation Zone: the area where snow accumulations exceeds melt, located above the firn line. Snowfall accumulates faster than melting, evaporation and sublimation removes it. Glaciers can be shown simply as having two zones. The accumulation zone and the ablation zone. Separated by the glacier equilibrium line, these two zones comprise the areas of net annual gain and net annual loss of snow/ice. The accumulation zone stretches from the higher elevations and pushes down, eventually reaching the ablation zone near the terminus of the glacier where the net loss of snow/ice exceeds the gain. The Wedgemount Glacier in Garibaldi Provincial Park in Whistler is an ideal place to see an accumulation zone up close. From across Wedgemount Lake you can see the overall picture of both the accumulation zone and ablation zone of a glacier. The Wedgemount Glacier is also relatively easy and safe to examine closely and hike onto. The left side of the glacier is frequented in the summer and fall months by hikers on their way to Wedge Mountain and Mount Weart.
Aiguille: a tall, narrow, characteristically distinct spire of rock. From the French word for "needle". Used extensively as part of the names for many peaks in the French Alps. Around Whistler in the alpine you will find several distinct aiguilles. Black Tusk in Garibaldi Provincial Park could be called an aiguille, however its long and prominent history has given it another descriptive term of "tusk". You will find aiguilles on many hikes in British Columbia.
Alpine Zone or Alpine Tundra: the area above the treeline, often characterized by stunted, sparse forests of krummholz and pristine, turquoise lakes. The Sproatt alpine is an excellent example of an alpine zone in Whistler. Dozens of alpine lakes, rugged and rocky terrain and hardy krummholz trees everywhere you look. The hostile, cold and windy climate in the alpine zones around Whistler make tree growth difficult. Added to that, the alpine areas are snow covered the majority of the year. Other good places to explore alpine zones in Whistler are Wedgemount Lake, Blackcomb Mountain, Whistler Mountain, Black Tusk and Callaghan Lake.
Arête: a thin ridge of rock formed by two glaciers parallel to each other. Sometimes formed from two cirques meeting. From the French for edge or ridge. Around Whistler and in Garibaldi Provincial Park you will see dozens of excellent examples. Below Russet Lake in Whistler, the glacier at the bottom of the valley, below the lake has a wonderful example of an arête. The far side of Mount Price, near Garibaldi Lake also has an enormous arête. The Wedge-Weart Col beyond Wedgemount Lake is a prominent arête to the summit of Wedge Mountain.
Backshore: the area of the shoreline acted upon by waves only during severe storms. The West Coast Trail on Vancouver Island runs for much of its 77 kilometre length along a very distinct backshore route. Often visible are signs of winter storms that have recently dislodged enormous trees from the rugged coastline. A backshore can range from as little as a few centimetres high to hundreds of metres high. The backshore route along the West Coast Trail is often as subtle as a sandy beach edged by a slightly higher border of grass and forest. Other areas of the trail the backshore is a vertical, solid rock cliff with crashing waves cutting into it far below.


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WASHINGTON (AP) – Nov. 2, 2017 – The costs of borrowing money to buy a home held steady this week as U.S. mortgage rates hover near relative lows.
Mortgage buyer Freddie Mac said Thursday that the average rate on 30-year, fixed-rate mortgages didn't budge from last week's 3.94 percent. One year ago, the benchmark rate was 3.54 percent. Historically, the average has been around 6 percent.
Long-term home loan rates tend to track the yield on 10-year U.S. Treasury notes, which have risen since early September, possibly in anticipation of tax cuts pushed by President Donald Trump and Republicans in Congress.
Average mortgage rates rose after Trump's election a year ago in anticipation of tax cuts, climbing to as high as 4.32 percent at the end of 2016. But rates ticked back down this year as the Republican tax plan – made public Thursday morning – unfolded more slowly than expected.
Later Thursday, Trump is expected to name Federal Reserve board member Jerome Powell to lead the Fed when Janet Yellen's term ends in February.
On Wednesday, the Fed announced it was keeping its benchmark rate unchanged but hinted that it's preparing to resume raising rates modestly – possibly at its December meeting – as the outlook for the U.S. economy improves.
The Fed has raised short-term interest rates twice this year.
The average rate on 15-year, fixed-rate mortgages, popular with homeowners who are refinancing, ticked up slightly to 3.27 percent from 3.25 percent last week. A year ago, the 15-year rate averaged 2.84 percent.
The average rate on the five-year, adjustable-rate mortgage increased slightly to 3.23 percent from 3.21 percent last week.
Copyright © 2017 The Associated Press, Matt Ott. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Meet Brian from Opus Woodworking
Every SafeRingz has a story to tell.
Meet Opus Woodworking Owner Brian Scono--and SafeRingz wearer since 2015. When your job is turning mundane slabs of wood into beautiful, modern and function furniture, you realize that your fingers are important to the job. With all the tools and machinery he uses on the job, it almost seems impossible to stay safe while working.
Find your perfect rubber wedding band, here:
How does Brian stay safe on the job?
Here are a few reminder tips on how to stay safe at the shop.
Know Your Stuff: Do not use tools or machinery that you have no prior knowledge on. Learn, know, and then do.
Take precautionary steps: If there are extra steps that need to be taken in order to be 100% safe, then take those steps before completing a task.
Wear protective gear: This may come as no surprise, but it's important to protect yourself from danger.
Wear SafeRingz: Don't risk your hands and fingers by wearing a traditional wedding ring when you can wear an alternative rubber wedding band to stay safe at all times while on the job.
Brian's ring of choice? Our black wedding rings. Not only does SafeRingz keep you safe, but it also comes in different colors to match you and your lifestyle and look. The black wedding rings are one of the more popular choices because of its simplicity and versatility.
Do you have a SafeRingz story to tell?
Drop us a line about how your SafeRingz ring keeps you safe and you might be selected to be featured in a video or photo shoot.


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Canned: My new response to blogger pitches./
I get on a whole host of these tech blogger lists where PR firms just spam a whole bunch of folks trying to get people to write about their book/startup/event. It just creates a To Do in my inbox. It's kind of annoying because I write a personal blog. I'm not a journalist by trade so I'm really not an appropriate person to pitch in such an automated way.
To deal with these pitches, I just created a Gmail canned response:
"Hi, this is a canned response in response to your canned pitch. You've clearly gotten my name off a list of "tech influencers" or "tech bloggers" or some such thing. That's alright. You're just doing your job.
If you really knew me, you'd know that I write a personal blog and don't write book reviews off of pitches, interview founders for my readers, or cover events as news. I just write about things I find interesting.
I can, however, be a resource to you if you know companies who are looking for funding, talent looking to find startup opportunities, or fund investors looking for a trusted partner to work with on early stage opportunities. I'm willing to speak in public to just about any innovative group and I'm happy to answer questions about entrepreneurship, venture capital, seed investing, recruiting, PR and a whole range of other things.
I'm not, however, the appropriate person to send a "blogger pitch" to. If you can kindly take me off of your lists for such mailings, I'd greatly appreciate it.
Thank you for your consideration and understanding.


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I spend my days creating show-stopping, functional spaces for tiny humans, so it should be no surprise when I say that I love beautiful and stylish baby gear. Some people insist that playroom or nursery décor should be bright or primary colored for stimulation. I'm here to put that archaic notion into perspective. Even if you commit to not purchasing items for your child that are a Crayola explosion, someone will. It's a fact. You can fight it, but likely will not succeed. My personal and professional experience says that friends and family are incredibly generous when it comes to gifts for little ones and those gifts will usually rival a bag of Skittles – all over your home. You'll be "tasting the rainbow" with your eyes...all day long. Then of course, there are the books that I often talk about. Book are important in a child's life, but they (along with their not so distant cousins, the stuffed animals) multiply at an alarming rate. Have you ever seen children's books? Bright and stimulating covers galore! With that in mind, I am a huge fan of creating clean and modern spaces and I don't think they have to be filled with colorful decor if you don't want it. So don't stress it if your own style for decorating and for larger gear items is in the more neutral fam, despite the comments you may hear from others. Everyone has an opinion on parenting - right down to what YOUR house should look like. The only person you should listen to is you, well and me too since this is what I do. Your child will be fine with a more grown up or neutral backdrop and there will be plenty of opportunities for them to develop and see all the colors the world and their toys have to offer.
If you're looking to create a sophisticated and modern space for your little one, check out some of my favorite baby items that will seamlessly blend into the home you probably worked really hard to decorate and rest-assured, it is ok to want that.
1. This ball pit is pretty much a playroom dream. Perfect size for the tiniest of tots and great for storing bigger kids toys and gear in the future. Misioo Handmade totally jives with me. Their products are actually offered in both neutrals and colors with sleek and sophisticated designs that may make you want to host every play date at your house.
2. I don't know if my passion for acrylic will ever get old. I love how striking it looks in any space and also allows the pieces around it or in this case, on it, to really shine. This brand new book cart by BabyLetto is also priced right. I'm thinking I might need one...in my living room.
3. During hurricane Sandy my family lost a home that was on the beach. The situation was horrible and stressful for so many reasons, but the silver lining was how much I enjoyed being able to start from scratch with the interior. The end result is a modern and beachy space with extremely hard tile on top of concrete. I needed a solution to soften it up for my on-the-go baby and in searching high and low, I discovered these interlocking playmats by Tadpoles. Safe for my baby and not painful on the grown-up eyes.
4. Black has finally gone mainstream for kids spaces and I couldn't be happier! Up until now it was so difficult to find a kids play table and chairs with black details without customizing it and that can get pricey. I love how this Little Seeds set is on the trend and priced well.
5. Those ginormous activity centers we buy for our kiddos when they can sit up have always offended my senses. The mama in me is so happy their little baby is playing and moving and having a good time. The designer in me dreams of shoving it in a closet. Now I don't need to have violent thoughts and my babies can still have a rockin' good time because of the Three Pears Bobbin. Is it weird that I kind of wish I could climb inside this thing and maybe work on my laptop or something?


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This is the third of my 2012 Bordeaux harvest updates for Jancis Robinson, the first one being here on this site and the second here. (I've backdated the publication date above to match the date it appeared on Jancis's site.)
As the red-wine harvest draws to a close, there's a sense of relief and quiet satisfaction in Bordeaux, if not the euphoria of a great vintage.
It has been a long season and nerves have been frayed right to the end: we've had what seemed like three seasons in the space of two weeks. What should be picked and when? 'The weather doesn't know what it's doing' said Lilian Barton at Langoa. 'I wonder if weather forecaster is the only job where you can keep making mistakes and still never get fired', tweeted Frédéric Engerer of Chateau Latour.
Three weeks of October sunshine were too much to ask for in the end, and that's the problem with comparatively late harvests. After a delayed start and a wet spring, Bordeaux had already had its fair share of luck, with two months of fabulous summer sunshine right up until the last week of September.
Since then it's been a bit up and down. If any grower says they were able to pick 'a la carte' (as and when they liked) then they must be talking about the dry whites, which were harvested under clear skies in until the last week of September.
That said, the Merlot and Cabernet grapes I've seen on the sorting tables at the leading estates, from Pauillac to Pomerol and from Margaux to St-Emilion, have been in remarkably good shape. They don't have the joy, the concentration, or depth of flavour that you find in great vintages, yet they are healthy, thick-skinned and tasty. The question now is the quality of the tannins in those skins and in the pips – château by château, block by block. As for vinification, gently does it.
The first serious appellation to harvest their Merlot is usually Pomerol, along with parts of Pessac-Léognan, and they didn't begin in earnest until the first week of October. Petrus were working on their old vines on Friday 5 October when I popped round (as you do) to see bunches of pristine Merlot arriving in their new reception area. It was hot work for the pickers outside in the 28˚C heat.
Before then, it had been unseasonably quiet in the vineyards around Bordeaux, with the crus classés of the Médoc also bringing in their first merlots at a leisurely pace during the first week (see my 5 October report).
Then on Sunday the 7 October we had some unscheduled rain (hence Engerer's tweet). Not a vast amount and probably not enough to stand out in any weather charts but, coupled with the tropical humidity we had over the next few days, enough to create perfect conditions for the dreaded botrytis (dreaded for Merlot, that is, not for sweet white).
There is nothing more likely to send vignerons scrambling for their tractors and harvest machines than the prospect of imminent rot at harvest time, and so it proved. Cue lines of trailers at the co-operative in St-Emilion and far beyond. Further up the limestone slopes, and higher up the food chain, the premier grand cru classés of St-Emilion also began en masse, with some bringing forward their start dates by a few days. By midweek, most of St-Emilion was in full swing.
'The Merlot is ready now but the Cabernet Franc isn't ripe. We need to wait a week', said Stefan von Neipperg as he presided over the harvest at La Mondotte, one of two of his properties which were promoted to premier grand cru classé in September. Other PGCCs, like Troplong Mondot and Beau-Séjour Becot, also started on Wednesday 10 October. 'The Merlot was looking très jolie and we would have started this coming Friday. With this humidity and warm nights we cannot wait', confided a cellar master.
(The clammy weather was perfect for mushrooms, too. One eminent oenologue took a break from his busy schedule of château consultations to gather a box-full of cèpes.)
Then the weather changed and the temperature dropped. On the Thursday, by way of example, I harvested some Merlot, and the juice at 7am was 17˚C. Doing the same on Saturday, at the same time, the juice was at 6˚C. The cold snap should at least have inhibited the spread of botrytis.
Meanwhile, the final Cabernet Sauvignons were being picked at Châteaux Margaux and Lafite earlier this week, as at many great estates along the D2 in the Médoc. There was no rot to speak of, and what little there was easily removed in the vineyard. Paul Pontallier was his usual optimistic self at a sunny Château Margaux on Monday, and the Cabernet Sauvignon on the twin sorting lines didn't let him down. 'It's a very good vintage, if not a great one: a lovely summer and September with rain just before harvest, which is completely normal.'
At many châteaux, the array of new sorting machines and new-fangled destemmers is mind-boggling. The same is true, incidentally, of the Right Bank: even small St-Emilion cru classés now have optical sorters. Bordeaux, at this level, has changed enormously in the last five years.
2012 has all the hallmarks of an older-style, classical vintage – October harvests for both the Merlot and Cabernets were not unusual in the past. We can expect yields from leading Chateaux to be low, however, and stricter selection for the grands vins might affect the volumes further. With lower yields nowadays, better viticulture and precision sorting – let alone technological advances in winemaking – it will be fascinating to see how the wines turn out.
As for the market, that's an entirely different matter.


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VMS has released our quarterly "Green Mountain Physician" for Spring/Summer of 2018. VMS President Trey Dobson, MD, kicks off the issue with his pitch for advocacy, Executive Director Jessa Barnard sums up the 2018 Legislative Session and latest VMS activity and don't miss our feature, highlighting the amazing Anya Koutras', FP, medical mission to Uganda. We also introduce you to Lisa Lambert, MD, the new Vermont Prationer Health Program's Medical Director, encourage you to fill out the 2018 VMS Annual Physician Survey and announce you can now register for the 205th VMS Annual Meeting taking place at Top Notch in Stowe on October 26th and 27th, 2018. Please click here to read this issue.
Correction: Lisa Lambert's email is firstname.lastname@example.com


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Welcome to my website ! This website is formed by several parts, you may want to check out some of them:
- Blog
- Personal Projects
- Contact Information
My blog !
My personal projects. You can find plenty of things inside.
Just in case you want to notify me that I won the lottery once more again...


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Let's take decision to value our Nation,
won't forget those sacrifices, who gave us Freedom.
Now its our turn to have a reformation.The world's largest democracy and second most populous country India is celebrating its 68th Independence Day on 15/08/2014. The day commemorate political independence from of the nation from the British rule on 15th August 1947 and that independence is celebrated every year, although in a much more subdued form than on Republic Day.
Independence Day Culture
The population cohort that belong to the Generation Next often combine nationalism with popular culture during the celebrations. This mixture is exemplified by outfits and savouries dyed with the tricolor and designer garments that represent India's various cultural traditions.Retail stores offer Independence Day sales promotions. Some news reports have decried the commercialism.
Indian Postal Service publishes commemorative stamps depicting independence movement leaders, nationalistic themes and defence-related themes on 15 August.Independence and partition inspired literary and other artistic creations in many languages. Such creations mostly describe the human cost of partition, limiting the holiday to a small part of their narrative.
Salman Rushdie's novel Midnight's Children (1980), which won the Booker Prize and the Booker of Bookers, wove its narrative around children born at midnight of 14–15 August 1947 with magical abilities. Freedom at Midnight (1975) is a non-fiction work by Larry Collins and Dominique Lapierre that chronicled the events surrounding the first Independence Day celebrations in 1947.
Few films center on the moment of independence, instead highlighting the circumstances of partition and its aftermath.On the Internet, Google has commemorated Independence Day since 2003 with a special doodle on its Indian homepage.
Independence Day Celebrations
Independence Day, one of the three national holidays in India (the other two being the Republic Day on 26 January and Mahatma Gandhi's birthday on 2 October), is observed in all Indian states and union territories. On the eve of Independence Day, the President of India delivers the "Address to the Nation".
On 15 August, the prime minister hoists the Indian flag on the ramparts of the historical site Red Fort in Delhi. Twenty-one gun shots are fired in honor of the solemn occasion. In his speech, the prime minister highlights the past year's achievements, raises important issues and calls for further development. He pays tribute to the leaders of the freedom struggle.
Flag hoisting ceremonies and cultural programmes take place in governmental and non-governmental institutions throughout the country. Schools and colleges conduct flag hoisting ceremonies and cultural events. Major government buildings are often adorned with strings of lights. In Delhi and some other cities, kite flying adds to the occasion.
The Indian diaspora celebrates Independence Day around the world with parades and pageants, particularly in regions with higher concentrations of Indian immigrants. In some locations, such as New York and other US cities, 15 August has become "India Day" among the diaspora and the local populace. Pageants celebrate "India Day" either on 15 August or an adjoining weekend day.


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GamesIndustry.biz has an article regarding used game sales which cites Wedbush Morgan Securities Analyst Michael Pachter and data on the used game sales market. He estimates the market at 100 million units per year. This is:
- One third of all games sold in the US
- Accounts for $2 Billion annually


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How to visit the Trevi Fountain, and what to see
How to visit the Trevi Fountain? The Trevi Fountain is among the most beautiful monuments of Rome, and certainly one of the most beautiful fountains in the world.
The fountain was designed by Nicola Salvi, in rococo style, and located near Poli Palace. In 1732, the construction work began and they was completed in 1762. The fountain was built with travertine, marble, plaster, stucco and metal. For its beauty, the Trevi Fountain is always present in the lists of things to do in Rome of any good tourist, also because it's located in the historical center and it's a good spot in every tourist itinerary.
But now is the time to explain how to visit the Trevi Fountain in a short time and avoiding the crush which throngs his steps every day.
Visit the Trevi Fountain in Rome, a bit of history
The history of the Trevi Fountain is inextricably linked to that of the Virgin Aqueduct, which dates from the time of Emperor Augustus, when it was built to get the running water until the Pantheon. From then on, the fountain and the aqueduct had moments of decline and splendor up to the construction of the Trevi Fountain in 1700.
The funds for the construction were made available by the introduction, or rather re-introduction, of the Lotto game in Rome. The work was funded for 17,647 crowns and lasted several years.
Since then the Trevi Fountain in Rome has had several restorations, however, his appearance has changed only minimally, and today you can admire it in all its glory. The last restoration works were completed in 2015, after 17 months of tireless work.
Visit the Trevi Fountain in Rome, what to see?
Now that we know a little bit of the history of the fountain, let's discover how to visit the Trevi Fountain and, especially, what to see there. The fountain is entirely inspired by the sea. It presents itself as a rectangle frame with rounded corners, in turn inserted inside a little flight of steps below the street level. Typically, this staircase is quite crowded, so I recommend you to visit the Trevi Fountain in the early morning to avoid the crowds. Only in this way you will enjoy the monument in peace and quiet, take some nice pictures and express the popular wish throwing a coin.
Inside the fountain stand out a large statue of Oceanus riding a chariot, in the shape of a shell, pulled by two winged horses, in turn driven by as many newts. Do not forget to admire the four allegorical statues representing "Fruit Abundance", "Fertility of the fields", "Wealth of Autumn" and "Amenity of gardens".
Obviously these are just the key sights of the Trevi Fountain, for more information I suggest you visit Wikipedia.
How to get to the Trevi Fountain?
Where is the Trevi Fountain in Rome? The fountain is located in Trevi Square, and it's easily accessible on foot from the Spanish Steps and the Quirinale Palace. The fastest way to reach the Trevi Fountain in Rome is undoubtedly by metro, getting off at stops "Spagna" or "Barberini."
I recommend you to move on foot, the area is very characteristic, always packed with tourists. Bars, restaurants and pubs dot the area and you will not struggle to find rest and enjoy some relaxing hours.
Other points of interest adjacent to the fountain are Navona Square and Pantheon. Although, as I anticipated, Trevi Fountain is perfect in any tourist itinerary due to its central location.
Now you know almost everything about this beautiful Roman monuments, you just need to insert it in your itineraries. And of course don't forget to make a wish and throw the famous coin behind your shoulders. Have a nice trip, for more information on Rome click here.


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GET EXCITED BEAUTIES!!! For the entire month of April, YES THE ENTIRE MONTH I will be reviewing, giving away and letting you know about some of the best products I came across at
Expo West last month!
Every Monday, Tuesday, Wednesday, Thursday & Friday of April be sure to come back here for what is going to be the best month in Keeping Up With Coco herstory!
(Channel your inner RuPaul and say that again)!
I will be reviewing and giving away everything from delicious ice cream to face masks so be sure to follow me on both Bloglovin & Instagram to keep up with all my latest posts!
See you tomorrow beauties!


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We're delighted to announce a new sponsor for Team Trev: ABN Newswire .
The leading newswire in Asia and with extensive communications networks across Australia, the US and Europe, ABN Newswire will take Team Trev's message to a global audience.
Commenting about the partnership, ABN Newswire Director Tim Mckinnon says that it is simply a case of two groups getting together to promote common values of sustainability.
"Team Trev embodies the values of innovation and environmental conservation that are important to our company," he says. "Trev challenges the way we think – it is the result of re-examining traditional methods and finding new and more efficient ways to make progress," he says.
"At a time when creating a sustainable environment is at the top of the global agenda, Trev is proof that people can actively participate in creating real solutions. It's one of the reasons why ABN Newswire is excited about this collaboration and about broadcasting Trev to the world."
Team Trev Director Andrew Dickson says that the support of ABN Newswire represents a strong vote of confidence in the team.
"Team Trev is a not-for profit team of volunteers whose key aim is to show the world that there are alternative methods of personal transportation that can protect our environment and save you money," he says.
"Our belief has always been that Trev is a solution to the impending problems of peak oil and climate change. It's an electric car which could be built by anyone, and uses such little energy that it could be powered by domestic solar panels. Without the support of sponsors, Team Trev would not make it to Shanghai to start in Zero Race.
"The support of ABN Newswire means that we are one step closer to our dream of delivering Trev's message to the world."
View ABN Newswire's media release about the sponsorship here.


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Last spring YAA localized the The Alliance for Young Artists & Writers' annual Best Teen Writing book concept, a collection of the nation's best grade 7-12 writing, by selecting from 2014 Gold Key and Silver Key Awards honorees works to create Arizona's first ever Best Of teen anthology in state history: Bloom: Best Arizona Teen Writing of 2014.
As noted by Arizona Republic columnist E.J. Montini in his column "OMG – these Arizona kids can write," the efforts of these 63 teens have earned them the distinction of "published authors."
YAA may be the only of Scholastic's 100-plus affiliates with our own "best of" book, but we need you to help it reach its educational potential:
- Please support a 2015 "best of" book by purchasing Bloom individual copies and discounted class sets.
- Be aware that the book contains some slang and sensitive content; teachers are encouraged to preview and use works in class. While these compositions may not be "classic" models, they have been judged as top works, written by teens, that can connect with grade 7-12 language arts students who may prefer studying peer authors.
- YAA hopes that educators will identify Scholastic Writing Awards categories that align to your first-semester writing projects, then use Bloom and the Awards as inspiration for students to embrace all writing process stages—notably revising, editing, and proofreading—incentivizing them to earn positive recognition and even 2015 publication.
Purchase Bloom individual copies and class sets
Bloom is available for sale in individual copies and in discounted class sets. All proceeds help YAA support Arizona language and media arts and to produce future YAA "best of" publications.
For the 2014-2015 school year, teachers and teens statewide can use this annual, teachable, affordable book in classrooms and libraries: by our young authors, for Arizona by:
- Purchasing a Bloom copy on Amazon.com or
- Ordering discounted class sets through Phoenix Book Company; if you order through Phoenix Book Company, please follow the previous link and reference the following ISBN# in your order: 1490367187.
Share Bloom teaching resources at YAArizona.org
YAA is gradually sharing standards-based lessons and other resources to supplement works in this anthology. If interested in sharing lesson plans online that incorporate content from Bloom, e-mail Bloom Executive Editor Billy Gerchick at email@example.com.
Support future YAA publications
YAA looks to our Best Arizona Teen Writing of 2015 book and publishing our 2015 "best of" art works. If skilled and interested in helping YAA with print and digital publishing, e-mail Executive Editor Billy Gerchick at firstname.lastname@example.com.


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Heading to a party or event and looking for a little something extra to accessorize? Or, maybe you just want to feel like a goddess for a night and adorn your head with all the beauty nature offers- either way this workshop is for you! After learning the basics of design, and assembly, you will use fresh flowers to make a one-of-a-kind crown. So, grab your wine and a friend and join us for a night of fun- and leave feeling exquisite!
The workshops typically last for approximately 2 hours. Your ticket includes all florals to take home, supplies for class, as well as, a small appetizer and please feel free to BYOB! Hurry and grab your spot. Class sizes are kept small for individual instruction.


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News: WayHome Festival Announces Lineup At The Great Hall
Toronto was told not to show up at The Great Hall tonight, but good thing if you didn't listen. It was confirmed that the 'Bonnaroo Toronto' festival was indeed called WayHome and the full lineup was released to eager fans. Through the chaos at The Great Hall we picked up that the bill will include:
Kendrick Lamar, Alt-J, Modest Mouse, St. Vincent, Future Islands, Girl Talk, Odesza, The Sheepdogs, Passion Pit, Gaslight Anthem, Alvvays, Run the Jewels, Fucked Up, Metz, The Gaslight Anthem, Walk the Moon, Kaytranda, Hey Rosetta, G-Eazy, Sylvan Esso, Danny Brown, Cold War Kids, Bassnectar, The Rural Alberta Advantage, July Talk, Big K.R.I.T., Timber Timbre, Thousand Foot Crutch, Yukon Blonde, Courtney Barnett, Sloan, Broods, Evening Hymns, How to Dress Well, SZA, Viet Cong, Com Truise, Bear Mountain, Lowell, The Highest Order, Dear Rouge, For Esme (more to come!).
Stay tuned for the official poster w/ hipster design for the 100% final lineup. More details on the festival can be found here: http://wayhome.com


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This is third part cool escape game about the Mario and his brother Luigi, which got lost in the jungle. Now they need to escape from the jungle and overcome all the dangers on their way. This exciting game, you can also play with a friend for two players. Appréciez et partagez avec vos amis!
1 player - Left/Right/Up arrows keys to move Mario, 2 player - AWD to move Luigi.


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2 arrested for animal cruelty in DC | Pets
WASHINGTON (WUSA9) -- Washington Humane Society officials say two D.C. men have been arrested for allegedly brutalizing a bull terrier named McFly.
Christopher Wayne Johnson, 28, and Mark Donell Mosley, 28, were arrested December 2 and arraigned December 4 on felony animal cruelty charges.
On October 3, WHS officials say they found a brindle and white male, bull terrier type dog in critical condition in the woods behind 602 46th Place, SE.
The dog, McFly, had numerous bite wounds over his entire body as well as three lacerations across his neck consistent with an attempt to slit his throat, officials said in a news release.
"What McFly was subjected to and endured was horrific, yet he was determined to survive," stated WHS Senior Officer Dan D'Eramo, adding, "The fact that the U.S. Attorney's Office is taking this on at a felony level is a testament to the severity of this atrocious act of animal abuse."
Another dog and two cats were found in the same area where WHS officers discovered McFly, but officials say there is no evidence to suggest that the cases may be related.
WHS officers say Johnson has a previous animal cruelty charge related to dog fighting and remains in custody. Mosley was released on bond.
Johnson and Mosley have a preliminary hearing scheduled for December 10 at 9:00 am.


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My old computer serves as a nice power saving home server for Home Assistant, Nextcloud and some other services. Details will be covered another time. I was cleaning up some Nextcloud directories and found an ugly bug that somehow led to Nextcloud deleting nearly all of the 2 GBs of data. That was the perfect […]
Category Archives: Blog
Bees With Machine Guns!
That's a funny name for a very nice tool. It spawns a number of EC2 instances in region US-East-1 and starts load testing a predefined URL with Apachebench. All you need is: A EC2 account A Keypair, stored under ~/.ssh/keypair.pem An availability zone "public" with SSH access allowed Install the tool with
pip install beeswithmachineguns
and start […]
Links for 19.01.2015
Today's post is all about performance testing websites. PhantomJS is doing a great job here. AngularJS – Perceived Performance: In a traditional page, measuring the page performance is quite easy; a request is made, the server responds with some HTML and the browser renders it. Done. In a Single Page Application, things get trickier. YSlow […]
Links for 08.01.2015
HTTP/2.0 — The IETF is Phoning It In: Good article about the issues with the HTTP/2.0 spec. HOWTO setup your very own Jabber server…: Nice howto. I am also reachable via Jabber now 🙂 Hyperfox – HTTP and HTTPs Recording: MITM-Proxy for HTTP debugging. Hyperfox is capable of forging SSL certificates on the fly using […]
Bug: .NET WebBrowserControl switches User-Agent headers when using XMLHttpRequest in compatibility view
Microsoft .NET supplies a WebBrowserControl that can be used to integrate web browser functionality into a windows application. During the last days I learned some weird stuff about this component, especially regarding user agent HTTP headers.


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IBM Growth in Americas Slower than OverseasBy Reuters - | Posted 2008-01-17 Print
IBM said that revenue from the Americas rose 5 percent, slower than other regions as overseas units showed the strongest gains, and said computer hardware sales declined.SAN FRANCISCO (Reuters) - IBM said on Thursday that revenue from the Americas rose 5 percent, slower than other regions as overseas units showed the strongest gains, and said computer hardware sales declined.
Fourth-quarter net income at the world's largest computer services company advanced to $3.95 billion, or $2.80 per share, from $3.46 billion, or $2.31 per share, a year earlier. Revenue rose to $28.9 billion from $26.3 billion.
International Business Machines Corp said in preliminary results on Monday that earnings per share from continuing operations had jumped above analysts' average expectations, driven by strength in Asia, Europe and emerging countries. IBM said it was on track to reach its 2010 growth target, which calls for earnings per share of $11.
IBM's Monday announcement sent its stock sharply higher and eased concerns that a slowing U.S. economy was crimping spending on technology, until recently a safe haven for investors fleeing housing, banking and consumer-discretionary stocks.
IBM shares, down 17 percent before Monday's announcement from a 52-week high on October 11, have added 5 percent this week and trade at about 13 times estimated 2008 earnings per share, about the same as rival Hewlett-Packard Co.
(Reporting by Philipp Gollner; Editing by Braden Reddall)
Copyright Reuters 2007. All rights reserved. Users may download and print extracts of content from this website for their own personal and non-commercial use only. Republication or redistribution of Reuters content, including by framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters and the Reuters sphere logo are registered trademarks or trademarks of the Reuters group of companies around the world.
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Information for consumers
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Through out times of yore race have been exploitation fabrics and textiles for copious kinds of purposes. Fabric has been the totally halfway of human life, as they have been previously owned as blankets for temperature and as metaphorical bamboo fabrics for big business.
Over the time, due to our entail for textiles and our itch to deepen the international nigh on us, within has been a immense stand up in the range of fabric-based art. One of the furthermost practised forms of this art is tapestries and divider hangings. Not only do the tapestries and divider hangings have a past times that dates posterior to the millennia, but besides most all known artists have contributed on many way or the otherwise to this art silhouette.
Nowadays, within are umpteen ethnic group who gawp past conventional options for family décor. This has helped to metallic element a be on your feet in the put in for for tapestries and divider hangings. The complexness has become the in superior of the conversant consumer, individual because of its exteroception personality and well-to-do history.Post ads:
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If you're a self-employed instrumental music teacher and would like to add to your current teaching portfolio then you may be what we are looking for.
We at Clearwater Music School are always looking to expand our service base and we have great facilities and a great atmosphere for learning and teaching.
What we look for in our music teachers
At Clearwater Music we are very proud of the teachers we currently have and therefore set high standards for those wanting to join our ranks. Since you will be teaching under the Clearwater Music name, we need to be confident that our customers are receiving the best quality tuition they can get in the area and even online. Here are some of the qualities we look for in our teachers:
Passionate about their instrument: Our teachers have to love playing the instrument they play and that must come across in their lessons. When pupils sense this, the lessons are that much more effective and the pupil is more inclined to practice.
Reliable: This is extremely important. Our pupils need to know that they are going to receive the same level of service week in week out. We expect our teachers to arrive in good time before the scheduled lesson in order to allow for preparation and to greet the pupil on arrival.
Friendly and Fun: As well as being professional, which is of course a given, you must also be able to make the lessons enjoyable and the pupils feel relaxed. We want our pupils to practice because they want to, not because they have to.
Keen to learn: Music is a never ending path of discovery, if you think you've learnt all there is to know then you are missing a key fundamental of music. Our teachers must be consistently striving to improve their own playing as well as their teaching. If you are also trying to learn and improve in your spare time, this will show in the way you go about your lessons and will lead to a much more effective and exciting learning experience for our pupils.
We also require our teachers to have at least a grade 8 in their instrument or other qualification as well as a full enhanced DBS check.
If you have all of the above qualities and feel that you could add something to our team then we'd love to hear from you! We are interested in hearing from self-employed teachers of all instruments.


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Smart Schools Investment Plan
New York State Smart Schools Bond Act of 2014 was approved by voters across the State on November 2014. It's purpose is to finance educational technology and infrastructure for public and private schools. Every school district received and allotment to be used for this purpose. Depew Schools has created the following Smart Schools Investment Plan, we have presented it to our Board of Education for approval, and it is posted here for the next 30 days for parental and community comment.
You may send your written comments to:
Brian Richards
District Technology Coordinator
Depew Union Free School District
5201 S. Transit Road
Depew, NY 14043
Only comments from parents and the community will be considered for modification of this plan. Comments will be accepted up to December 18, 2015 and should contain your name and address.
Depew Schools Smart Schools Investment Plan


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The pitfalls of undervaluing yourself/
April 18, 2013
I was in an email exchange this week with a friend who has been interviewing for a new job. She's been quite busy meeting potential employers, and mentioned that in one recent first interview, she was not expecting the topic of money to come up. She thought it was too early. It wasn't. The interviewer suddently piped up with, "How much are you looking to make?" Here's what happened next.
"Caught off guard, I totally lowballed my answer. Right now I am kicking myself. It's like someone totally takes over. I guess there's still time to negotiate once I actually get an offer. But still, why oh why do I keep doing that?"
I sympathize. Actually, I empathize. It's exactly the kind of thing I'd do. As I've said in my recent Metro column and on the show, women undervalue ourselves all the time. It's so ingrained in many of us that we're not worth much, and we have such trouble saying we deserve things, that unless we have strenuously prepared to talk about money and rehearsed what we're going to say, we revert to type. Meaning we go right back to that inner voice, passed down through milennia, that says, "Who the hell do you think you are asking for that kind of money? You know you're not worth that much." Our comfort level with our own worth is a comfort level with low worth.
Whether our pathetic sense of our worth comes down to centuries of doing unpaid work (household, maternal) and being expected to be happy with that, I don't know, but I'd say it's a decent possibility. Women are still largely expected to be givers, not takers. It offends both sexes' expectations when we put up a good fight for money, and sometimes the discussion or its aftermath doesn't go well (which leads some, such as writer and women's advocate Joan Williams, to say women are wise not to bother with this dance at all, a view I vehemently disagree with). The back story to the tale I told in my Metro column is that if my colleague had not told me to ask for that 25 percent raise, I would never have dared done so. I probably would have asked for 10 percent, but never 25. I did it because I thought, "If Kelly says I should ask for that, and she's been here 10 years, I bet she knows what she's talking about." Obviously I'm glad I followed her advice, because I got the raise.
Women's tendency to under-negotiate, or not do so at all, is one of the reasons for the pay gap. While this isn't a foolproof answer, I believe being aware of how much we undervalue ourselves can help to keep us on our mental toes when it comes to the kinds of unexpected discussion my friend found herself having. Money is such an uncomfortable topic for a lot of women that we avoid thinking about it whenever possible. I'm up against this myself as I attempt to work out a budget for the show and how much I, Ashley, am worth. Naturally my inner voice says, "You? Worth something? Are you mad?!" But I will press on, trying to train myself out of my appalling mental habits - exacerbated, I'm sure, by my English upbringing.
The more we know about the subtle psychological hangups we have, and the more we learn about the art of negotiating - and it really is an art - the better. I highly recommend the book Ask For It, by Linda Babcock and Sara Laschever. This is a great piece by Rachel Simmons and Jessica Bacal on why it's so important for young women to learn how to negotiate - and not just for money.
And if you're interested in some radio, this is the first public radio story I did on women and negotating. The second is more of a 'how to' and follows up with one of the characters from the first piece.
Good luck.


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As an insurance defense practice, Picciano & Scahill in Westbury uses medical experts on just about every case, said managing partner Frank Scahill.
"Most of the doctors willing to testify are looking to supplement their income or are in the waning stages of their careers, so there is an issue of quality," he said. "It's important to ensure that a medical witness is a qualified, practicing doctor, not someone who purely does expert testimony."
Not every attorney wants a job with a sun-up to sun-down commitment. Many Long Island attorneys looking for an alternative to the full-time grind are able to find professional opportunities that fit their needs.
"In litigation, law firms always need attorneys to do per-diem work," said Mitchell Sternbach, a partner with Mintz, Stein & Sternbach, a Rockville Centre law firm. Cases involve numerous court appearances and other procedures, each of which can tie up an attorney for a couple of hours or more.
In the world of the recovery of contested no-fault benefits, rarely does the practitioner ever have pause to consider, from a comparative approach, how New York's no-fault reimbursement scheme compares to those of the other so-called "no-fault" states.1 New York's approach as it deals with the allocations of the burdens of proof and use of the preclusion remedy (among other facets of our no-fault law) shares nothing in common with that of the other PIP state.


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International Cricket Captain 2008
Publisher's Description
International Cricket Captain 2008 is the most realistic and in-depth cricket management game to date. Take charge of a domestic or international team and experience the highs and lows of cricket management on the road to ultimate glory. You control all aspects of the team's progress; from transfers, team selection and training, to detailed match tactics. Only International Cricket Captain gives you the thrill of captaining real cricket players throughout the domestic and international seasons.


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Friday, May 15, 2015
Is Australia's Great Barrier Reef 'In Danger'?
If I have the time I do sometimes read Australia's far-Left "New Matilda". I would like to start a blog that regularly demolished their articles -- perhaps to be called "Walzing New Matilda" -- but I have weightier matters to spend my time on. Anyway, the article below is up to its usual standard of presenting only half of the story. Balance is the Devil incarnate to Leftists.
Some scientists do say that the GBR has shrunk by 50% but the interesting question is why there has been any shrinkage at all. The Warmist below knows why, of course. It's because of global warming. Pesky that there has been no global warming for 18 years though. Can something that does not exist cause anything? They also seem to think that Richard Branson is a climate scientist. Enough said on that.
The key point, however, is that the reef does get heavily impacted by natural events such as the many cyclones that have hit North Queensland in recent years. Cyclones are very destructive of coral. HOWEVER, when we look at that storm destruction, we also find that corals grow back rapidly. While that happens, the GBR is in no "danger". Any changes are temporary. See here and here, for instance.
Warmists will say that the cyclones were caused by global warming but again I ask: Can something that does not exist cause anything?
Billionaire Richard Branson has urged the United Nations to list the World Heritage value of the Great Barrier Reef as 'in danger' after being approached by advocacy group 1Million Women.
While admitting the campaign may seem "counter intuitive", Branson argues it is an effective way to "stop further irreversible damage" to the reef "and to protect it for generations to come".
"Saying the Great Barrier Reef is 'in danger' could be just what it needs," Branson wrote in a blog post yesterday.
The United Nations World Heritage Committee is set to make a decision on whether to change the listing of the reef at a meeting in Bonn, Germany, in June this year.
Like Branson, the UN has expressed concern that port developments and coal ships set to service Australia's largest ever coal mine, which the federal government approved last year, will further damage the reef.
The Great Barrier Reef has already lost half of its coral cover in the last three decades, and it faces further threats from the Crown of Thorns Starfish and increased agriculture run-off.
In 2013, a federal government report noted that 24 out of 41 attributes which make up the 'Outstanding Universal Value' of the reef under the World Heritage Convention are deteriorating.
But the greatest threat to the reef, according to government scientists, is climate change. "The reef's plight, like many others, is unbearably sad," Branson said. "It is being totally overwhelmed by climate change impacts through a destructive combination of heat-driven coral bleaching, ocean acidification and tropical storms."
Despite climate change being the greatest threat to the reef, a recent Australian Government plan designed to guide conservation efforts for the next 35 years and address UN concerns made next to no mention of the risk to the reef from rising emissions.
On Thursday, the United Nations warned that for the first time in millions of years the concentration of carbon dioxide in the earths atmosphere exceeded 400 parts per million.
The Greens environment spokesperson, Larissa Waters, said on Wednesday that she doesn't "think the government has done enough policy-wise to avert the threat of a world heritage in danger listing for the Great Barrier Reef".
"Which is an absolute tragedy," she said, "because we're talking about one of the seven wonders of the world."
"The foremost World Heritage Committee has for the past four years now said to Australia 'slow down, you're on this path of industrialisation, we're worried about the future of the reef, your own scientists are worried about the future of your reef, what are you going to do about it?"
"And the government has consistently thumbed its nose at the key recommendations, and it's made some changes around the edges."
Waters said she hopes the reef is not listed as 'in danger', despite the fact it is "in serious jeopardy".
Yesterday, The World Wildlife Fund has released a 'to do' list, lobbying the government to do more than is proposed in its 'Reef 2050' plan.
At least one federal MP is likely to be unimpressed with these recent developments.
George Christensen MP, whose electorate of Dawson takes in part of the Great Barrier Reef, is standing by the government's "exemplary document".
The outspoken backbencher recently voiced his outrage at "eco-traitors" who are committing the "treason" of advocating for an 'in danger' listing.
"These extreme greens act like Wormtongue from The Lord of the Rings, flying overseas and whispering in the ears of the decision-makers and diplomats who have anything to do with UNESCO and the World Heritage Committee, poisoning their minds on the state of the reef," Christensen said.
"They belong to groups such as Greenpeace, the Australian Marine Conservation Society, Friends of the Earth, Get Up, and the Environmental Defenders Office."
Posted by jonjayray at 9:58 PM No comments: Links to this post
Thursday, May 14, 2015
Parental environment mediates impacts of increased carbon dioxide on a coral reef fish
Fish adapt rapidly to climate change -- within one generation
Gabrielle M. Miller et al.
Carbon dioxide concentrations in the surface ocean are increasing owing to rising CO2 concentrations in the atmosphere1. Higher CO2 levels are predicted to affect essential physiological processes of many aquatic organisms2, 3, leading to widespread impacts on marine diversity and ecosystem function, especially when combined with the effects of global warming4, 5, 6. Yet the ability for marine species to adjust to increasing CO2 levels over many generations is an unresolved issue. Here we show that ocean conditions projected for the end of the century (approximately 1,000 μatm CO2 and a temperature rise of 1.5–3.0 °C) cause an increase in metabolic rate and decreases in length, weight, condition and survival of juvenile fish. However, these effects are absent or reversed when parents also experience high CO2 concentrations. Our results show that non-genetic parental effects can dramatically alter the response of marine organisms to increasing CO2 and demonstrate that some species have more capacity to acclimate to ocean acidification than previously thought.
Nature Climate Change 2, 858–861 (2012) doi:10.1038/nclimate1599
Posted by jonjayray at 10:00 PM No comments: Links to this post
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Correction on existential unpacking
(WordPress ate my first draft, grrr.)
So after thinking about it further, I was incorrect, and it is possible to explicitly unpack existentials in Scala. As with some other languages, it is done via pattern matching. The following example illustrates how:
- val x : List[T] forSome { type T } = List(42)
- val w = x match { case y : List[u] => ((z : u) => z)(y.head) }
However, in practice this functionality seems to be rather fragile. For example, the following two variations are rejected:
- val x : T forSome { type T } = 42
- val w = x match { case y : u => ((z : u) => z)(y) }
- val x : List[List[T]] forSome { type T } = List(List(42))
- val w = x match { case y : List[List[u]] => ((z : u) => z)(y.head.head) }
In both cases it reports that it cannot find the type
u. In the second case, it could be attributed to erasure, as there is no way dynamically to guarantee that the contents of
List are in turn also a
List. However, the first seems reasonable, so it should probably be reported as a bug.