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FFA students bring home hardware from Nationals
Every year in October, the FFA organization increases a city's population by approximately 64,000 for four days as FFA members from across the country converge at the national FFA convention. This year the convention was held in Indianapolis, Ind.; previously, the convention was held in Louisville, Kent., where it has been for the past six years. Sixteen of our own earned the opportunity to attend the 89th National FFA Convention & Expo.
To read more, see this week's print or e-dition. Click on "Contact Us" in the navigation bar for subscriber information.


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Sunday, December 31st 2006
Microsoft adds 'behavioral targeting' to their advertising campaign
Microsoft has recently been competing with search giants such as Google for advertising money. And so, like what Google does in Gmail accounts, Microsoft is adding 'behavioral targeting', or personalized ads, to it's advertising campaign. What that means is that Microsoft will report their users' search habits, sorted by demographics, to advertisers. The advertisers can then use this data to create advertisements based on what the demographics search for. Search engines such as Google and Yahoo also use personalized advertising.Source: Mercury News
7 Comments on Microsoft adds 'behavioral targeting' to their advertising campaign
Greeeaaat, more sypware. Just what we need!
Don't share cookies.
+1 Or we should all create bots to search for Bill Gates Buttseks.
we should all use M$N search to search for Google, lol
Power User
jocksteeluk said:And then vice-versa.
we should all use M$N search to search for Google, lol
Bird of Prey
I Hate Ads~!
They're an unfortunate part of reality, sadly.

subset: commoncrawl


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Technology Class. Notes from Monday, August 2, 2010. Getting to know you…. What do you want to learn?. Social Bookmarking. Bookmarks available anywhere! http://delicious.com/ http://www.diigo.com/. "I Jesus!". Discovery Streaming. http://streaming.discoveryeducation.com/.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
Notes from Monday, August 2, 2010
What do you want to learn?
"I Jesus!"


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Corporate Audio Visual Services
111 North Lawn Ave., Elmsford, NY 10523 Get Directions
Corporate AV is a specialist in audio, video, lighting, and staging solutions for live events. An expert in the corporate, health care, and nonprofit markets, Corporate AV consists of experts in logistics, equipment, and live event production.
Memorable Moment
Supporting the New York Police & Fire Widows' & Children's Benefit Fund at its 26th Annual Gala at the Park Avenue Armory.
"We are always in good hands when we plan an event with Corporate AV—always professional and helpful."
Partial Client List
PepsiCo, Make-A-Wish, Columbia University
ISES, MPI, InfoComm, BCW, WCA
MPI Special Appreciation Award, WCA Apex Award, 914Inc. Small Business Award


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Index Skateboard Supply
Index Skateboard Supply Skate Shop Address:
705 W Kennedale Pkwy, Kennedale, TX 76060
Index Skateboard Supply Skateboard Shop Phone:
(817) 483-9777
Index Skateboard Supply Description:
Index Skateboard Supply is easy to get to in Kennedale and has a expansive selection of skateboard hard goods, 50-60mm wheels, short boards, and good looking apparel. The store employees at Index Skateboard Supply Skate Shop are highly experienced in skateboarding. Index Skateboard Supply has a skate team of pros who help promote the skate shop.
The brands distributed here change frequently so if you would like Index Skateboard Supply's latest inventory, please shoot them an email with what you are looking for. A few of the skate decks someone will see there is Plan B, Etnies, Emerica Footwear, eS,Gold Wheels, Bones Red, and Nike shoes.
GoSkate provides skateboards for cheap for all of the shoppers of Index Skateboard Supply. To view more information on offer in Kennedale, click on: http://www.goskate.com/deal
For additional info on Index Skateboard Supply visit http://www.yellowpages.com/kennedale-tx/mip/index-skateboard-supply-461813577?lid=461813577 or just call the skate shop at (817) 483-9777.
Map of Skate Shop
View Larger Map


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Whether you want a great cup of coffee made a variety of ways, breakfast, or a delicious specialty burger and a pint of craft beer, we have you covered.
Get your day started with your coffee brew and breakfast, and end you day with dinner and craft brew.
Monday - Thursday: 8am - 10pm
Friday - Saturday: 8am - 11pm
Sunday: 9am - 9pm
(304) 948-6916


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These items are not for sale and the descriptions, images and prices are for reference purposes only.
An uncommon chair designed by Finn Juhl, teak framed, the sculpted amorphic arms raised on bentwood and double tapering supports. The seat and back upholstered in teal fabric.
France and Daverkosen for John Stuart, 1960s teak lounge chair and ottoman, in the Finn Juhl style original labels affixed to the underside of the chair
A Danish Finn Juhl Bwana chair in black leather
Danish Finn Juhl cream upholstered armchair, circa 1960s
Finn Juhl (1912-1989) attributed, a Danish oak lounge chair, on sled base
Finn Juhl, palisander Brazilian rosewood desk, having two drawers, one drawer requires repair (A/F). Height 75 cm. Width 180 cm. Depth 80 cm
You are about to subscribe to the online version of Carter's Price Guide to Antiques and Collectables.
This site is not an online gallery and the items displayed are not being offered for sale.
Descriptions, images and price ranges are included for reference purposes only.
Please note that we are unable to respond to questions regarding history, valuation or sale of antique and collectable items.
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We do not automatically renew subscriptions, however you will be contacted prior to the expiry date and you may choose to renew if you wish.
We offer library subscriptions at competitive rates for both in-library access via IP address and off-library access through EZproxy software or similar. One subscription covers all libraries in your group.
For library subscription rates please contact our libraries agent.
Ed. Krumins Digital Education Services 192 Gladstone Street South Melbourne VIC 3205


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Become an Entry Level Web Developer
Learn to code and build full stack web applications with Ruby on Rails, and ReactJS in our immersive 11 week coding bootcamp.
Beginner Friendly
From React to Rails, our experienced instructors and proven curriculum will lead anyone in their path towards mastering some of the most sought after skills in the 21st century.
Learn to think like a Developer
Programming is always evolving. That's why we focus on teaching students how to learn and to think like a software engineer. Great programmers can adapt and adjust to new technologies that arise and grow with the technology field.
Get Hired!
From Launch Day (graduation) to our developer networking events, our career services will help you showcase projects and connect you with companies that are searching for talented developers.
University of Utah Professional Education Web Development
Learn the skills in web development to earn a University of Utah Professional Education endorsed certificate powered by DevPoint Labs.
The DevPoint Labs Experience
More than just code. Whether you're a local or coming from out-of-state we blend students into a vibrant developer community building life long friendships.
DPL Nights | Hackathons
Unwind from learning during DPL led activities like The Bowling Classic, Tuesday Movie Nights, or some casual drinks. Start brainstorming some web app ideas and see how much you and your peers can accomplish in our 2 hackathons each cohort.
Downtown Campus
Our central location in the Downtown Campus means that you can use public transportation like Trax or grab one of our passes from the city bikeshare program. Or join us during some nightlife activities.
Daily Learning Schedule
Not everyday will be the same, but you can expect a mixture of lectures, presentations, follow alongs, hands-on exercises, pair programming, and group projects.
Full-Stack Web Development Curriculum
Learn industry best practices in this 11 week course.
Weeks 1 - 4
The first four weeks will establish the foundation for the remainder of the course. By the end of week four you'll be armed with enough skills to build a full web app at the first hackathon.
- Basic Ruby
- OOP Foundations
- Advanced Ruby
- Ruby Gems
- Git & Github
- Ruby on Rails, MVC Pattern
- Raw SQL (PostgreSQL)
- ActiveRecord
- Heroku
- Bootstrap / Materalize Front-End Frameworks
- Basic JavaScript / jQuery
- Advanced Rails Concepts - Has Many Through, Nested Routes, Nested Attributes, Ect...
- Mailers
- Pagination
- Rake Tasks
- User Authentication
- Delayed Jobs
Weeks 5 - 8
With a solid foundation in place you'll learn your second programming language with JavaScript, jump into ReactJS, experience why testing is so important, and dig into APIs.
- Rails Testing - RSpec, FactoryGirl, TDD
- Package Managers - NPM, Yarn
- ESNext
- ReactJS
- Webpack
- React Router
- Redux
- Working With API's
- Repack - Github
Weeks 9 - 11
To complete your boot camp experience, the last 3 weeks students, are solidifying core concepts from prior weeks as well as learning other JavaScript technologies such as Advanced Webpack / Redux that mix well with React. This is also the last stretch when students race the clock to complete their Project Portfolio for Launch Day.
- Advanced Webpack - Code Splitting, CSS / Font Loaders, Webpack Performance
- JavaScript Unit Testing
- React Testing - JEST
- Basic React Native App Development - IOS, Android
- Rails Programming Patterns
- Model and Controller Concerns / Helpers
- Frontend Testing (Selenium)
- SQL Refresher
- JavaScript Charts / Graphs
- React With Google Maps
- Web Scraping
- Slideshows With React - Spectacle
- Building Your Owns Gems
- React / Redux / JavaScript Tips & Tricks
- Dealing With Files In Rails
- Real Time Apps With MessageBus
- Intro To UI / UX Best Practices


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*I haven't done one of these in a while, I need to!!*
I have noticed that alot of the weekly project posts seem to revolve around Josh. I don't mean for them to, they just do for some reason. I think it's because I am also practicing my oh so stellar very amateur photography skills, and he is the best little model for me - much more so than Jules. He will actually stand still and liked getting his picture taken. Jules usually will stay for one shot, then say "noooo Mommy!!!" when I try to take another. So, note to self to make more of an attempt with Jules :)
Back to Josh:
Dear Josh,
You are a boy and your toys. And it's funny, because the stuff you tote around sometimes isn't even toys. It's random funny things. You love areas to keep your "things" such as pockets, purses, backpacks, shopping cart, bags, etc. I have called you a future bag lady, because you like to have a million things in your hand every day. Daddy takes you to school every day, and you manage to slip out of the house with some little something, even though it's against school rules to take toys from home. And then every day when I pick you up, I find that little something in your cubby hole that your teacher has put away for you. When Mommy and Daddy went to Disney, we knew to get you little things that you could keep on you, like a keychain and a watch. You love them. And while your newest obsession will only last a few days and then move on to something new, you love it for a few days, and in a month or so it's new again :)


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GraphicRiver Platformer Game Tile Set 4 4399659
Category: Stock Graphic
GraphicRiver Platformer Game Tile Set 4 4399659
Stock Graphic \ Game Asset \ Tilesets
Horror \ Zombie \ Halloween \ Platformer \ Outbreak \ Vector \ Tileset \ Update
Game Asset - Platformer Game Tile Set 4 4399659 by pzUH @ GraphicRiver
Stock Graphic \ Game Asset \ Tilesets
Playable Demo: http://goo.gl/XaNqTY
A set of game asset / graphic / sprite / art, contains ground tiles and several items/objects/decorations, used for creating platformer games.
Suitable for platformer games with horror, zombie, halloween, and mystery themes.
Full vector, so you can scale it at any size, without losing it's quality. Also fully customizable.
File included: CorelDraw CDR, Adobe Illustrator AI, EPS, PDF, PNG, and JPG
Update 7 May 2013
Now it's optimized for Tiled Map Editor with 64×64 px tiles.
Update 27 July 2013
128×128 px separate PNG tiles added (non-tile object's size also adjusted). Big enough for HD games, and should be easier to resize them to lower resolutions.
Zombie Outbreak Game Sprites.
Zombie Outbreak Game Tileset.
Zombie Outbreak Game GUI.
Horror & Halloween Game Sprites
Horror & Halloween Game GUI
High Resolution: No; Layered: Yes; Graphics Files Included: Transparent PNG, JPG Image, Vector EPS, AI Illustrator; Minimum Adobe CS Version: CS.
Werewolf Terror - Game Sprites; Dinosaur Park - Game Sprites; Wild West - Platformer Tileset; Rainforest Platformer Tileset; Lava Cave - Platformer Tileset; Space Shooter Kit: Side Scrolling; Steampunk Game Sprites.
Keywords: 2d, action, adventure, android, art, assets, browser, flash, game, graphic, halloween, horror, ipad, iphone, mobile, mystery, mystic, platform, platformer, pumpkin, set, sheet, skull, sprite, Spritesheet, tile, tileset, vector, video, zombie.


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text:
Postcard-sized artworks by Tracey Emin and David Hockney are among more than 500 being sold for as little as 99p at a secret charity auction.
The world-famous artists have contributed pieces along with hundreds of unknowns, including a four-year-old girl and a 100-year-old retired teacher.
Their works are being exhibited at the Towner art museum in Eastbourne, East Sussex. Without knowing who has created the works, people can bid for them on eBay until the auction, called The Big Art Secret, closes on Sunday.
Loading article content
Proceeds will go to St Wilfrid's Hospice.


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Industry sources familiar with the matter said this on Tuesday, as competitors chip away at the dominance of Middle East producers.
One source said that state oil company Sonangol loaded the 44,000 tonne cargo from the Soyo port on Monday, heading to the Mediterranean.
Analysts predict that a once-niche market for LPG is set to grow and reshape global trade flows with the entry of new producers, bringing down prices and challenging entrenched monopolies.
Angola, Africa's biggest crude oil exporter after Nigeria, shipped the LPG from its newly built liquefied natural gas (LNG) production plant off Soyo at the mouth of the Congo River.
Processing facilities at Soyo strip out LPG from pipelines feeding liquids-rich gas from Angola's offshore fields, with dry gas diverted for liquefaction and export on tankers as LNG.
A Sonangol spokesperson declined comment.


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I want to go check out Vail on Saturday.
Anyone up for going? I'll be leaving from Boulder...
might be heading that way on sunday... are you riding XC or DH? I'm getting in as many days as possible before Crankworx.
It looks like I may be there to ride some DH on Saturday as well with some others from MTBR as well...
... powered by donuts ...
Mojo Wheels
Sunday could work for some dh..
Gotdirt may be up for going to Kenosha Pass on Saturday, which I'd like to check out. On this thread:
Strava: turn off your dork logger when you're not on sanctioned trails.
Ah, looks like I just got sucked into doing Kenosha Pass. I've been wanting to check that out for a while.
I know, I know, I posted for it... I'm a dumb@ss...
Saturday might be a winner - I'll have to clear it with "the boss". Vail's always a winner in my book, Old 9 is may favorite trail... it's just too short.
Kenosha pass will be a good ride if the weather holds. I'd hate to be exposed out there during a storm.
Randall Scott Cycle Company
Iron Horse
Well, I'll be there with SylentK and dbabuser at least. The more the merrier if anyone wants to hook up for some runs!
Last edited by .thumper.; 07-06-2006 at 08:16 PM.
Forum Rules


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Mangaluru: Sandesh Alva (21) of Santyaguttu in Kinya, was riding his scooter from home towards Hampankatta on Monday.
A Tempo vehicle driven by Gopal knocked him down in front of the auto fuel filling station at Ujjodi. After he fell on to the road, the tyres of the Tempo vehicle are said to have passed over him.
Although Sandesh was shifted to a nearby hospital, he succumbed to the fatal injuries he had sustained.
The rural police from Maroli arrived and they have booked Gopal for rash and negligent driving.


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Landscape gardening; Landscape gardening design for others; Lawn care
Business in Egg Harbor Township, NJ


text:
To cut the costs of new-car production, Volvo is on the search for a partner to share in the development of its future small car range, the Financial Times reported. Volvo has been owned by Geely since 2010 when the Chinese firm bought it from Ford. Volvo is eager to help in dividing the costs of making new cars. Volvo's chief executive Stefan Jacoby told the FT that the company is open to the idea of partnering.
He said that the company is "open for collaboration in a win-win situation for sharing platforms, for sharing engines and for a general higher scale of economics."
Jacoby said that there are several companies being considered but no detailed discussions have taken place yet. Since Jacoby moved to Volvo from Volkswagen in August 2010, he has streamlined the company and pushed for the development of a modular range of engines and a model platform that could underpin all types of vehicles from a hatchback to a large saloon.
In addition, he has decided to prioritize a new small car. In fact, the new V40 will be launched this March at the Geneva motor show.
The car was pushed up the product cycle to arrive before the replacement for the XC90 full-size SUV. Volvo's five-door hatchback is expected to rival the BMW 1-series and Audi A3.
Audi's compact segment comes out with the new A3 Sportback (5-door) and the 3-door A3. The high-end equipment and trim employed on each premium model further showcase Audi's elegant design standards.
While all engines are designed to deliver low fuel consumption without compromising its performance, the A3's 1.6 Turbocharged Direct Injection engine boasts impressively low CO2 emissions at only 159.33g/mile.
By option, Audi offers the advanced Quattro permanent all-wheel-drive, magnetic ride suspension system and the S-tronic gearbox. The body and interior design on both variants has the sporty and elegant characteristics of an Audi. Xenon headlamps are also available along with the latest daytime running lights in LED.
All models have chrome accents on the lower air intakes while the single frame element grille come in shiny black paint finish. Meanwhile, other distinct qualities include a unique spoiler lip, chrome strips on the door handles and tinted tail lamps for the A3. The S3's taillights on the other hand, have their own distinctive shape.
Audi A3's interior comes with the optionally available leather sport steering wheel that matches the grey instrument panel. The navigation system may also come with shiny bezels while the air vents have built-in black rings around them.
Aluminium trims are also available for the window switch, mirror switch and the centre console. The information system in manual transmission models now come with a shift indicator. The A3 has up to 1080-litre volume while the Sportback's trunk capacity can accommodate up to 1100 litres due to its front wheel drive.


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It's an Important Day. by disco-ballWatch
©2008-2017 disco-ball
model is myself.
photographer is always, myself.
photographer is always, myself.
you have such a Beautiful Gallery
i really like it. your sillohiute pictures are so beautiful
Perfect and fantastic work...!
I just love it, and for some reason, i feel sadness in it, good work
Lovely pic and idea!
I love this shoot...
Outstanding Colors
Outstanding Colors
I love colours here.
[very niiice]
So beautiful !!!
nice !
i like this one, dark and color at same time, nice contrast
lovely shot!
... this remembers me of a story i read some time ago... i love it that story was so sad but the photo is very nice
Very sensible, émotionnal and beautiful picture I love the opposition between the colours and the shadow It's a good idea !!
Nice picture!
very nice pic!!!!
Great job
Great job
NP, its true!
Awesome stuff! good idea, great camera, awesome photo! again, good job!
Thanks for the fav' (L)
Beautiful !!!
Beautiful !!!
awee I love that the balloons still have their color! Awesome photo ^_^
very expressive!
not much to say!!
not much to say!!
I like it! very nice!
and the colors & contrast are perfect
and the colors & contrast are perfect
I like the idea...
this caught my eye
all of your photos have the prettiest lighting
Very Cool! Luv The Balloons.
very original !
i like it <33
i like it <33
Basicaly, I love it.
The contrast is sublime ^^
The contrast is sublime ^^
very nice pic! =]


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Questions still haunt Madoff's victims
"So it is a scam, after all." That was the first, terrifying thought that struck Lord Jacobs of Belgravia when the former joint treasurer of the Liberal Democrats received an early morning phone call five years ago.
The businessman, who has homes in Florida and London, had met Madoff at the Palm Beach Country Club, where they were both members. A friend had suggested that he invest with the New York financier, mentioning that many other club members had done so and were very pleased with the annual returns of 10 per cent to 11 per cent they were getting, year after year.
It was not until much later that they learnt Madoff had been running the biggest Ponzi scheme in history, creating $64.8 billion…


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Thank you Rig - your work compliments the art creation in the most astounding way... This is the most difficult art project I think IW Dreamz & Visionz has ever done.ReplyDelete
Jeri Rahja
- Sy Celina16 December 2012 at 08:05
Thank you so much for documenting this, Rig. Your photos capture our vision for this monument so perfectly.ReplyDelete
All of your work is simply beautiful.
Sy Celina
- Anonymous16 December 2012 at 10:41
I am in gratitude my friend. Your ever-seeking-beauty eye of this collaborative work has captured breathtaking images far beyond what I was blessed to feel during the creating process.ReplyDelete
Thank you, Rig for posting these.
Tadhg Muirin


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Aggiedad77: FAMILY....in case you missed it.....The Sandman posted this earlier this morning.....from the Arabic side of the CBI this morning.....a great news announcement....they continue to pull dinar into special accounts....just this week alone...slightly over 1.1 trillion dinar.....this dovetails in nicely....IMO....with Frank's post #199 where he states.....4 trillion in just 2 weeks....Holy Toledo.....that is mucho dinar in such a short period of time.
FAMILY.....the CBI is talking....listen for them....watch for them.
Thanks Sandman for all you do
The Sandman :02/23/2014 Declares the Iraqi Central Bank on the amounts transferred to special accounts for foreign currency auction this week was (1,175,536,428) just trillion.
Read More Link on Right
Frank26 wrote on February 23rd, 2014, TY DELTA ....NOVA for the time this morning!
It's all on the arabic side of the CBI.
4 TRN in two weeks.
KTFA, Frank
another mailman : I'm guessing you won't find huge piles of dinar stacked like this at the banks now.
Frank26: Hmmm....... Ok ........ Let me help if I may please. Actually .......... It's been that way for almost two years now. Around the end of 2011 LD's were loaded at banks.
It created less room in the bank's main vault.
They started stacking them once they were tagged to be sent to the CBI that would in turn send them to contracted companies that will ........... Destroy them....... Once inventoried and electronically credited.
So in all honestly ............. Let the 000's pile high for all the banks care ........... There's a new rate coming for Iraq's future in the bank vaults called ........ LD's.
Now that is something worth protecting ............ Their Monetary Reform.
Right now ....... Iraqi Banks ........ Grand Openings.
KTFA,Frank .......... Then again ....... What do I know?
[damsel] China Downplays Yuan, Banking Risk as Zhou Sees 7% to 8% Growth By Bloomberg News Feb 23, 2014 10:00 AM CT China's Finance Minister Lou Jiwei played down yuan declines and the risks from shadow banking as central bank Governor Zhou Xiaochuan signaled that the nation's economy can sustain growth of between 7 percent and 8 percent. China's expansion prospects are suitable for the nation and can boost global economic growth, Zhou said. The country's services industry has overtaken manufacturing while its contribution to global growth is about 30 percent, Lou said in a statement posted on the People's Bank of China website. Possible defaults in some wealth-management products don't reflect a "big problem" and recent yuan weakness is within the normal range, the finance minister told Bloomberg News. China is stressing the resilience of its economy even as efforts to rein in leverage and expand the role of markets has prompted analysts to forecast the slowest pace of expansion since 1990. Group-of-20 policy makers meeting in Sydney pledged a coordinated push to boost growth by more than $2 trillion over the next five years. The G-20 communique singled out China among emerging nations exhibiting "continued solid growth," changing the language from a draft seen by Bloomberg News that hadn't named the world's second-largest economy.
[damsel] china is not doing that without a reset
[damsel] G-20 policy makers yesterday said they will aim to lift collective gross domestic product by more than 2 percent above the trajectory implied by current policies. Global growth will accelerate to 2.9 percent in 2014, the quickest pace in three years, according to the median of forecasts compiled by Bloomberg. It will be 3.1 percent the following year
[damsel] This week, we learned that China started to dump U.S. debt during the month of December. Many have imagined that China would try to dump a flood of our debt on to the market all of a sudden once they decided to exit, but that simply does not make sense. Instead, it makes sense for China to dump a bit of debt at a time so that the market will not panic and so that they can get close to full value for the paper that they are holding. As Bloomberg reported the other day, China dumped nearly 50 billion dollars of U.S. debt during the month of December... Read more at http://freedomoutpost.co ··· qP9fJ.99
[damsel] the dollar has to be replaced with asset backed currency
[damsel] This is how I would do it if I was China. I would try to dump 30, 40 or 50 billion dollars a month. I would try to make a smooth exit and try to get as much for my U.S. debt paper as I could. So if China is not going to stockpile U.S. dollars or U.S. debt any longer, what is it going to stockpile? It is going to stockpile gold of course. In fact, China has been voraciously stockpiling gold for quite some time, and their hunger for gold appears to be growing Read more at http://freedomoutpost.co ··· qP9fJ.99
[damsel] According to Bloomberg, more than 80 percent of the gold that was exported from Switzerland last month went to Asia... Read more at http://freedomoutpost.com/2014/02/china-starts-make-power-move-us-dollar/#gEfykso4kuIqP9fJ.99
[damsel] As China (and eventually the rest of the world) moves away from a U.S.-based financial system, the consequences are going to be dramatic. Read more at http://freedomoutpost.com/2014/02/china-starts-make-power-move-us-dollar/#gEfykso4kuIqP9fJ.99
[damsel] jmo we are not given a choice but to go along and get along with a new asset backed currency
[damsel] While the U.S.'s 2.9 percent predicted expansion is the fastest after New Zealand among Group of 10 currency nations, China's GDP will increase at more than twice that pace at 7.5 percent, slowing from 7.7 percent in 2013, the data show.
[damsel] 2.9 is actually a very optimistic number but could be they are taking into account the reset. they would have to if they want to be accurate
[damsel] does anyone know what the 2013 rate of growth was here?
[damsel] i know it was revised down several times
[tommy864] i think it was 4.1
[damsel] U.S. economic growth for the second quarter was 1.7%. That's better than expected, but only because the expectations were so low. In absolute terms, for an economy in mid-recovery, 1.7% is a lousy growth rate. And growth in the first quarter was revised down to a pathetic 1% Read more: http://www.businessinsider.com/why-economic-growth-is-so-slow-2013-7#ixzz2uAxXBya0
[damsel] of course they give a rate for each quarter
[damsel] but that doesn't add to 4.1 i sure wish that was the rate
[tommy864] your right
[damsel] so if they are saying 2.9 i'd say they are looking at factors only a few know like dinar investors lol
[damsel] One of the big reasons the U.S. economy sucks is that, after three decades of ever-more obsessive focus on "shareholder value," our corporations and their owners have become myopic and greedy. Instead of investing in the future, and sharing more of their vast wealth with the people who generate it (their employees), they are hoarding their cash and maximizing their short-term profitability. This business philosophy might--might--prop up their stock prices for the near-term. But it's also gutting the middle class and crippling the overall economy. And, in the process, ironically, it is constraining revenue growth for the same corporations that are trying to scrimp and save their way to maximized profitability. Read more: http://www.businessinsider.com/why-economic-growth-is-so-slow-2013-7#ixzz2uAyUdLAU
[tommy864] 4.1 was for july,aug.sept.
[damsel] Real GDP in the United States grew at an annualised 3.2 percent pace in the fourth quarter of 2013, as consumer spending grew the most in three years. The "advance" estimate released by the Bureau of Economic Analysis matched the expectations.
[damsel] estimate
[damsel] you take all 4 quarters for an annualized estimate
damsel] what concerns me are the fuzzy numbers we get like wall street while jobs go away and prices go up??
[damsel] figures don't lie but liars figure
[damsel] hard to get at the real truth
Comments are closed.


text:
Bertschi expected to announce bid for federal Liberal leadership Wednesday
Ottawa lawyer and former federal Liberal election candidate David Bertschi is entering the federal party's leadership race, with a campaign kickoff Wednesday evening in Ottawa Orleans, the riding he hopes to win in the next federal election.
He's in: David Bertschi, who ran unsuccessfully in the last election in Ottawa Orleans, Ont., is expected to announce his intentions to run for the federal Liberals on Nov. 7 in Ottawa. Photograph courtesy of the Economic Club Photograph courtesy of the Economic Club
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Lap Rouge Trailer (1997)
10 April 1997
The camera pursues the life of two Dutch brothers, Herman and Egbert over the course of several months. Their mother wanted to disassociate herself from the petty bourgeois atmosphere in Holland during the fifties. In 1959 she took her two boys and left for Marnhac, a deserted village in southern France. After living in France for the the next 35 years both brothers have become almost fully alienated from society. They don't have the courage to leave their very aged and dominant mother. Written by Kurzfilmtage - international short film festival Oberhausen
Watch the official Lap Rouge 1997 trailer in HD below or find more Lap Rouge videos on Vidimovie.


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A Pox on the Taxpayer
Filed under: CDC Watch, Opinion, Vaccine Science, Vaccine/Disease Analysis
A handful of countries recommend the chickenpox (varicella) vaccine for all children and an even smaller group have a chickenpox booster on the schedule. The US leads the pack of countries with a 2 shot schedule, and following along are Ecuador, Saudi Arabia, Germany, Greece, and part of Australia.
Some countries give the shot to adolescents, others offer it to members of "risk groups"… and a few have a one-shot schedule for toddlers: Canada, Costa Rica, Uruguay, Cyprus, Latvia, and Korea. A grand total of 26 countries offer the shot in one way or another. [1]
The US was the first country to recommend the shot for all toddlers, in 1996 :
…. empiric data on medical utilization and costs of work-loss resulting from varicella were used. The results of this study, which were determined using an estimated cost of $35 per dose of vaccine and $5 for vaccine administration, indicated a savings of $5.40 for each dollar spent on routine vaccination of preschool-age children when direct and indirect costs were considered. When only direct medical costs were considered, the benefit-cost ratio was 0.90:1. [2] (emphases added)
But it turned out that a single shot of varicella vaccine didn't work to suppress chickenpox.
…varicella outbreaks have regularly been observed in populations with high vaccination coverage and are the cause of sizable disease and economic impact for public health departments and the US health system overall. To further reduce varicella disease burden, a routine 2-dose varicella vaccination recommendation was approved by the Centers for Disease Control and Prevention (CDC) Advisory Committee on Immunization Practices (ACIP) in June 2006 (first dose for children 12–15 months of age, second dose for children 4–6 years of age) . [3]
The single-shot regimen showed a narrow margin of benefit only when placed alongside income lost by parents staying home to care for sick children.
But when the one-shot program failed, the ACIP came up with another cost/benefit justification for the second shot where the evidence….
….included ongoing disease burden and varicella-zoster virus transmission, including transmission from breakthrough cases to high-risk persons that may lead to severe disease and even death (CDC, unpublished data); partial or complete susceptibility in 1-dose vaccine recipients as they become adults; the burden on public health agencies due to varicella outbreaks in highly vaccinated school settings, which have proven disruptive to society and costly to control; and the increased immunity and disease protection from a second dose. Overall, the 2-dose strategy still provides very high cost savings (>$0.9 billion from societal perspective). [3] (emphases added)
So the ACIP justifications for adding a second dose, used the consequences of their decision to recommend the first dose of varicella vaccine. These ingenious calculations created a bigger cost savings than their first round!
Here are quotes showing the CDC knew that using a one-vaccine regimen would result in serious problems:
The study confirmed what doctors widely knew — that the vaccine's protection does not last long.
And with fewer natural cases of the disease going around, unvaccinated children or children in whom the first dose of the vaccine fails to work have been catching the highly contagious disease later in life, when the risk of severe complications is greater, they said.
"If you're unvaccinated and you get it later in life, there's a 20-times greater risk of dying compared to a child, and a 10 to 15 times greater chance of getting hospitalized," said Jane Seward of the Centers for Disease Control and Prevention in Atlanta, who worked on the study. [4] (emphases added)
While a second shot was recommended, it's not the final word either because:
No one knows how long the effects of a second shot will last, said the research team, led by Sandra Chaves of the CDC.
Which was probably not part of the cost benefit question – and neither is the next part, because sicker children cost more to treat, and take longer to recover:
And when vaccinated children were infected, they tended to be sicker, probably because they were older. (emphasis added).
"Children between the ages of 8 and 12 years who had been vaccinated 5 years or more previously were two times as likely to have moderate-to-severe breakthrough disease as were those who had been vaccinated less than 5 years previously," the researchers wrote. [4]
Circulating viral infections (natural chickenpox) boosted vaccine immunity in the early days of the one shot program:
An assessment of the duration of protection afforded by one dose of the varicella vaccine administered to children under the age of 13 years between December 1991 and January 1993 showed an increase in the geometric mean titer of varicella IgG antibody during a 10-year follow-up period. The most likely explanation for this increase was an anamnestic immune response due to exposure to wild-type VZV, since varicella was still common during that period.
These data suggest a steady decline over a period of years in disease protection afforded by a single dose of the varicella vaccine in the context of diminished circulation of wild-type virus. In contrast, a case–control study showed a 13% decline in vaccine effectiveness during the first year of vaccination, followed by stable levels of protection from 2 to 8 years after vaccination. [5] (emphasis added)
However, with less virus circulation as more children are vaccinated, this natural "booster" dose doesn't happen. Since older people gain protection against shingles (herpes zoster) from regularly circulating chickenpox, what added risks might the chickenpox vaccine create for the elderly? An increase in shingles cases, for one thing:
Zhou [3] provides a detailed breakdown of the costs and benefits of a routine two-dose varicella vaccination program:
Because of modeled predictions of an increase in herpes zoster among unvaccinated adults as a possible short- and medium-term effect of a varicella vaccination program and the described significant health burden due to herpes zoster, some researchers have argued for including these costs in economic analyses. In the short and medium term, this would be likely to make a varicella vaccination program much less cost effective. However, in the long term, as herpes zoster incidence declines to levels lower than currently experienced, models predict the net health savings from varicella vaccination to increase substantially. For this reason and because US surveillance data do not show any consistent pattern of an increase in herpes zoster attributable to the varicella vaccination program, we assumed that varicella vaccination was cost-neutral with respect to herpes zoster. [3] (emphases added)
This is a really convenient assumption. Considering the added cost of an increase in shingles, and of treating more serious chickenpox infections in older children, it would be really hard to justify any childhood vaccinations against chickenpox, much less a two shot schedule.
It's important to note that the phrases "short and medium term" and "long term" highlighted above are left undefined.
The US began widespread vaccination with the varicella vaccine in 1995, after which the Mayo Clinic found an increase in the rate of shingles cases from January 1, 1996 to December 31, 2001. From page 1344:
The adjusted incidence rate increased from 3.2 per 1000 person-years for 1996 to 1997 to 4.1 for 2000 to 2001 (Figure 2). Extrapolated to the entire 2005 US population, the 2000 to 2001 incidence rate from Olmsted County translates into nearly one million new HZ cases every year. [6]
An Australian study on the ACIP decision to disregard zoster, because of three studies showing no increase, mentioned this:
However, another study that was cited, although finding a similar decrease in varicella in the Massachusetts population, showed a significant near doubling of HZ incidence. [7]
The Joint Committee on Vaccination and Immunisation (U.K.) decided against universal varicella vaccination after several meetings considering the costs and benefits between 2007 and 2009. In their report they commented:
… a significant number of break through infections are predicted with a one dose childhood schedule, it is predicted that both strategies could lead to an increase in herpes zoster incidence for the first 40 to 60 years following the introduction of a vaccination programme. This is because epidemiological evidence suggests that immunity in adulthood is boosted by the exposure to children infected by varicella zoster virus. Without this natural boosting, current levels of immunity in adulthood may no longer be maintained. Vaccinations against herpes zoster would only be expected to partly offset this increase, as the expected increase in herpes zoster incidence would occur predominantly in middle-aged adults too young to be targeted for herpes zoster vaccination. An increase in varicella infection in adulthood might also be expected. This would include women of childbearing age, potentially increasing the risk to unborn children or neonate should infections occur during pregnancy. [8] (emphases added)
They also explain:
Cost-effectiveness modelling indicates that a two-dose childhood vaccination programme or a combined childhood and adult vaccination programme could be cost-effective but only after 80-100+ years of vaccination at an assumed cost of vaccine. Before this time, the combined programme would be unlikely to be cost-effective and for the first 30-50 years of a programme would have a high probability of being cost ineffective. [8]
Anyone remember this statement, quoted above?
In the short and medium term, this would be likely to make a varicella vaccination program much less cost effective. However, in the long term, as herpes zoster incidence declines to levels lower than currently experienced, models predict the net health savings from varicella vaccination to increase substantially. [3] (emphasis added)
We noted above the lack of definitions of short, medium and long-term in this quote. Would the US taxpayers have been happy to hear that a public health program will start saving money somewhere between 50 to 80 years from now? Would Americans have been happy to know that the CDC cherry-picked the data to support their conclusion that varicella vaccination would not lead to an increase in herpes zoster?
One study done on the cost of treating herpes zoster, focused on deciding whether a vaccine against this illness would be cost-effective.
We estimated the sum of all costs for an episode of zoster (in 2006 U.S. dollars) to be $576 (range, $90 to $1061) if vaccinated and $538 (range, $84 to $991) if unvaccinated. [9]
In 2005, the U.S. Census Bureau reported that more than 49 million persons 60 years of age or older reside in the United States. The cost of a universal vaccination program could range from $2.6 billion to $24 billion depending on the cost per person vaccinated (32). Although our analyses show that about $1.3 billion might be saved by the reduction of herpes zoster cases at a vaccine cost of $50, we found few circumstances in which widespread vaccination would lead to cost savings. [9]
This study also lined up their numbers with a study done in the United Kingdom (which does not vaccinate against chickenpox) and found:
The incidence of herpes zoster in the vaccine group of the Shingles Prevention Study was 40% to 80% higher than that reported in the United Kingdom study. [9]
Conclusion: The varicella vaccination program in the US is not cost-effective and has never been cost-effective. The CDC came up with arbitrary numbers to justify the use of this vaccine, which later proved incorrect. A sensible option with regard to a chickenpox vaccine, is that it could be offered to adults who, due to the vaccine program, are shown by a titer test, to have no immunity to chickenpox….If they wish to have it…
Adults who have had natural chickenpox in the past, should be informed of the benefits of exposure to chickenpox infection as they get older, in order to prevent shingles, and encouraged to spend time whenever possible with children who are experiencing this normal childhood illness.
Parents and other caretakers should be educated on how to care for children undergoing chickenpox, especially the importance of avoiding fever reducing drugs during this illness. [10]
Everyone should cooperate in protecting the immune impaired population from exposure. As we have discovered with the chickenpox vaccine, even with high coverage, outbreaks continue to occur. Perhaps intelligent management of illness will provide protection to adults from shingles, and to the immune impaired from chickenpox.
[1] http://apps.who.int/immunization_monitoring/en/globalsummary/scheduleselect.cfm
[2] http://www.cdc.gov/mmwr/preview/mmwrhtml/00042990.htm
[3] An Economic Analysis of the Universal Varicella Vaccination Program in the United States, Fangjun Zhou, Ismael R. Ortega-Sanchez, Dalya Guris, Abigail Shefer, Tracy Lieu, and Jane F. Seward, The Journal of Infectious Diseases, 197: S156-64, 2008. http://www.journals.uchicago.edu/doi/pdf/10.1086/522135
[4]Effects of chickenpox vaccine fade over time: study, Gene Emery, Reuters, March 14, 2007 http://www.reuters.com/article/idUSN1429730720070314
[5] Loss of Vaccine-Induced Immunity to Varicella over Time, Sandra S. Chaves, Paul Gargiullo, John X. Zhang, Rachel Civen, Dalya Guris, Laurene Mascola, Jane F. Seward, The New England Journal of Medicine, 356(11): 1121-1129 (2007). http://www.nejm.org/doi/pdf/10.1056/NEJMoa064040
[6] A Population-Based Study of the Incidence and Complications Rates of Herpes Zoster Before Zoster Vaccine Introduction, Barbara P. Yawn, Patricia Saddier, Peter C. Wollan, Jennifer L. St. Sauvier, Marge J. Kurland, Lina S. Sy, Mayo Clinic Proceedings, 82 (11) 1341-1349, November 2007. http://www.mayoclinicproceedings.com/content/82/11/1341.full
[7] Evidence of Increasing Frequency of Herpes Zoster Management in Australian General Practice Since the Introduction of a Varicella Vaccine, Mark R. Nelson, Helena C Britt and Christopher M Harrison, The Medical Journal of Australia, 193 (2): 110-113, 2010. http://www.mja.com.au/public/issues/193_02_190710/nel10369_fm.html
[8] Joint Committee on Vaccination and Immunisation. Statement on Varicella and Herpes Zoster Vaccines. http://www.dh.gov.uk/prod_consum_dh/groups/dh_digitalassets/@dh/@ab/documents/digitalasset/dh_114908.pdf
[9] Cost-Effectiveness of a Vaccine To Prevent Herpes Zoster and Postherpetic Neuralgia in Older Adults, John Hornberger, and Katherine Robertus, Annals of Internal Medicine, 145, 317-325, 2006. http://www.annals.org/content/145/5/317.full.pdf+html
[10] Acetaminophen: more harm than good for chickenpox? Doran TF, De Angelis C, Baumgardner RA, Mellits ED. Journal of Pediatr. Jun;114(6):1045-8, 1989. http://www.ncbi.nlm.nih.gov/pubmed/2656959
10 Comments on A Pox on the Taxpayer
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If there is research that shows positive results from actually having the illness…it means we need more research. If there is research showing positive results from having the vaccine…it means that we need to vaccinate.
quote: the herpes zoster vaccine was found to be effective in preventing the occurrence of shingles in 51 percent of adults age 60 and older who participated in placebo-controlled trials in the United States.
So, even if you get the vaccine you still have a pretty good chance of getting shingles.
Great job of laying it all out! Thanks!
For anyone unlucky enough to get shingles, here is a possible treatment:
quote: Shingles (herpes zoster infection) have been successfully treated with antioxidative substances like high-dose vitamin C for ages. Not only the acute symptoms can be diminished by high-dose vitamin C. Even long-term sequelae, like painful post-herpetic neuropathy, may be mitigated or even fully avoided.
In the early-mid '90's, Texas decided to implement the inclusion of varicella to the state's schedule. In advance of the decision, I attended a meeting at the state's Department of Health as an objector, and stood in line to speak against the inclusion. In the end, it was clear that the only argument the board could justify was that "having this disease caused many children to miss school and parents to miss work." It all boiled down to butts in seats, dollars lost to businesses, and parents having to deal with "pesky childhood illnesses." In the end, the inclusion occurred, and I have subsequently exposed my (unvaccinated) grandchildren to chickenpox that were derived from their great-grandmother's decision to receive the recommended shingles vaccine. First time I ever observed something 'good' arising from vaccine, even if through a convoluted route.
I read through down to near halfway. You're a brave soul to scribe up all that, but maybe I'm just a wee bit tired of the rigmaroles. Justification of the unjustifiable and then having to run round unpicking the cloth they weave to cloak opposition in.
My approach now is from Greek legend – cutting through the Gordeon knot. We have an immune system. We feed it, keep it well and do not compromise it through this archaic, pre-Victorian quack routine. Then there's no worry of middle aged Shingles just as there's no worry of lifelong debilitating chronic illness resultant from childhood vaccination.
This crazy mechanism has been used for two hundred years now and there is still no objective, quality controlled trial of its operation and outcomes. How long will this insanity go on???????
Look at the UK calculation:
Despite the existence of varicella vaccine, many developed countries have not introduced it into their national schedules, partly because of concerns about whether herpes zoster (HZ, shingles) will increase due to a lack of exogenous boosting. The magnitude of any increase in zoster that might occur is dependent on rates at which adults and children mix – something that has only recently been quantified – and could be reduced by simultaneously vaccinating older individuals against shingles. This study is the first to assess the cost-effectiveness of combined varicella and zoster vaccination options and compare this to alternative programmes.
The cost-effectiveness of various options for the use of varicella-zoster virus (VZV) containing vaccines was explored using a transmission dynamic model. Underlying contact rates are estimated from a contemporary survey of social mixing patterns, and uncertainty in these derived from bootstrapping the original sample. The model was calibrated to UK data on varicella and zoster incidence. Other parameters were taken from the literature. UK guidance on perspective and discount rates were followed. The results of the incremental cost-effectiveness analysis suggest that a combined policy is cost-effective. However, the cost-effectiveness of this policy (and indeed the childhood two-dose policy) is influenced by projected benefits that accrue many decades (80-100 years or more) after the start of vaccination. If the programme is evaluated over shorter time frames, then it would be unlikely to be deemed cost-effective, and may result in declines in population health, due to a projected rise in the incidence of HZ. The findings are also sensitive to a number of parameters that are inaccurately quantified, such as the risk of HZ in varicella vaccine responders.
Policy makers should be aware of the potential negative benefits in the first 30-50 years after introduction of a childhood varicella vaccine. This can only be partly mitigated by the introduction of a herpes zoster vaccine. They have to decide how they value the potential benefits beyond this time to consider childhood vaccination cost effective.
Vaccine. 2012 Jun 1. [Epub ahead of print]
Review of the United States universal varicella vaccination program: Herpes zoster incidence rates, cost-effectiveness, and vaccine efficacy based primarily on the Antelope Valley Varicella Active Surveillance Project data.
Goldman GS, King PG.
Independent Computer Scientist, P.O. Box 847, Pearblossom, CA 93553, United States.
In a cooperative agreement starting January 1995, prior to the FDA's licensure of the varicella vaccine on March 17, the Centers for Disease Control and Prevention (CDC) funded the Los Angeles Department of Health Services' Antelope Valley Varicella Active Surveillance Project (AV-VASP). Since only varicella case reports were gathered, baseline incidence data for herpes zoster (HZ) or shingles was lacking. Varicella case reports decreased 72%, from 2834 in 1995 to 836 in 2000 at which time approximately 50% of children under 10years of age had been vaccinated. Starting in 2000, HZ surveillance was added to the project. By 2002, notable increases in HZ incidence rates were reported among both children and adults with a prior history of natural varicella. However, CDC authorities still claimed that no increase in HZ had occurred in any US surveillance site. The basic assumptions inherent to the varicella cost-benefit analysis ignored the significance of exogenous boosting caused by those shedding wild-type VZV. Also ignored was the morbidity associated with even rare serious events following varicella vaccination as well as the morbidity from increasing cases of HZ among adults. Vaccine efficacy declined below 80% in 2001. By 2006, because 20% of vaccinees were experiencing breakthrough varicella and vaccine-induced protection was waning, the CDC recommended a booster dose for children and, in 2007, a shingles vaccination was approved for adults aged 60years and older. In the prelicensure era, 95% of adults experienced natural chickenpox (usually as children)-these cases were usually benign and resulted in long-term immunity. Varicella vaccination is less effective than the natural immunity that existed in prevaccine communities. Universal varicella vaccination has not proven to be cost-effective as increased HZ morbidity has disproportionately offset cost savings associated with reductions in varicella disease. Universal varicella vaccination has failed to provide long-term protection from VZV disease.
Goldman and Kind made it to "Vaccine". Wow. Dont you think?
Wow indeed! And sorry for the delay in approving your comment. I'm spread very thin at the moment!


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Centennial Trail Connection to Sammamish River Trail
I would like to bike the Centennial Trail from its Northern most point to West Seattle. Ideally, I would take the following route:
Centennial Trail -->
Sammamish River Trail -->
Burke-Gilman Trail -->
South Ship Canal Trail -->
Elliot Bay Trail
I think it's great I could ride from north of Arlington to West Seattle (where I live) and travel almost entirely on multi-use trails. The problem is there is a gap between the Centennial Trail in Snohomish to the Sammamish River Trail. Can anyone recommend a good route between the two trails? I would value a peaceful and relatively safe route over the most direct route.
Also, I am not interested in connecting up to the Interurban Trail. I have taken that trail before, and while it is a great connector, there is a lot of stop and go.
Here's how I usually do it: http://ridewithgps.com/routes/3906039
There are more direct routes, but this route puts you on some really nice quiet low traffic roads for the most part. The only part that can be a little hairy due to traffic is the descent into Woodinville on NE Woodinville Duvall Rd, and the few blocks through downtown Woodinville.
This is great, thank you for sharing your route. I look forward to giving it a try.
lonsomesteve's route is good. You can also just ride straight up Broadway which I do sometimes when I don't feel like going around. There is more traffic on Broadway than Fales Rd. but it's really not that busy. The other part of the route that is a little sketch is Yew Way - the road surface is poor and there are a lot of big trucks. During rush hour trying to get past the stop sign at Maltby Rd. can be a challenge. The top part of Woodinville-Duvall Rd. (after you turn right from 156th) is the part that I think sucks. The shoulder is uneven and has a lot of sewer grates. Right now there are tree limbs on the shoulder from this weekends windstorm and large rocks from the retaining wall often find there way there. Be prepared to take the lane if you need to but be aware that cars will be going fast here. After you turn left to continue on the Woodinville-Duvall Rd. it's fine. In November the city of Woodinville repaved and restriped this section so it's smooth with a nice wide shoulder. There is a bike lane through downtown Woodinville - it's got some debris in it but it's generally fine.
Only thing I would add is just to be really aware in Woodinville, thru the city there can be a lot of drivers pulling out of driveways, taking lane is a good idea in a lot of places where it gets too bad. overall a good route but if your doing it in the dark, make sure you have not only the light setup to be seen fore & aft, but lighting that show up the holes, cracks & debris that can ruin your day.
Good Luck
Thank you all for the info. I will probably ride this route in the spring. I'm fine with a little urban riding (I ride in Seattle traffic 5 days a week when commuting), though it would be great if it were all MUP.
You would have less off-trail distance if you cut over to the interurban trail from the southern end of the Centennial trail. The connection (either through Eby Slough or on the Lowell river road) is low-traffic and a good ride in itself. The Interurban is a lot better now than it was a few year ago - if you haven't ridden the new sections in Seattle & Shoreline or if you haven't ridden the bridges in Lynnwood and by the McCollum park & ride you ought to give it another try.
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Our journey began from the somewhat unusual tourist destination Donetsk in eastern Ukraine. Donetsk is dominated by mining and heavy industry and there are very few tourist attractions in the city. The only thing I knew about this place was 1. The winners of the 2009 UEFA Cup, FC Shakhtar Donetsk is based out of here 2. This was pole-vaulter Sergey Bubka's hometown
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TORONTO (Reuters) - Canadian auto sales were lower in June with another sharp skid at General Motors of Canada as rising gas prices weighed on demand for SUVs and light trucks, according to company figures released on Wednesday.
But Toyota Canada Inc. bucked the overall drop in sales and gobbled up more market share as consumers snapped up its fleet of fuel-friendly vehicles.
Canadian auto sales fell 5.7 percent year-on-year to 159,500 vehicles in June after a 0.5 percent drop in May, a sharp turnaround from the double-digit gains recorded in January and February.
"A soft month from last year but then last year was the best June on record so it was going to be very difficult to eclipse," Dennis DesRosiers, president of DesRosiers Automotive Consulting Inc, wrote in a note. "The market is slowing though and we don't expect the strong sales from the early months to continue."
Sales at GM Canada, the country's biggest automaker, slid 23.8 percent in June to 32,355 vehicles from 42,466 in the same month last year.
GM Canada, which was coming off a 20 percent drop in sales in May, said its truck sales, which include sales of SUVs and minivans, skidded 35.3 percent to 14,243, while its car sales fell 11.5 percent to 18,122.
Ford Motor Co. of Canada said it sold 22,001 vehicles in June, down 13.7 percent from 25,485 a year earlier. Truck sales decreased 17.7 percent, while car sales fell 2.9 percent.
Chrysler Canada, which has more focus on passenger cars than trucks, bucked the trend set by its Big Three Detroit peers with a 1 percent gain in sales to 22,194 vehicles in June for its 23rd straight month of gains.
Toyota said it set a June sales record as it moved 22,428 units off its lots, a gain of 8.8 percent from a year earlier.
The automaker said sales at its Toyota division increased 8 percent to 20,871, while its luxury Lexus division sold 1,557 vehicles for a gain of 22 percent.
Honda Canada Inc., which had a monthly sales record in May, said it sold 16,518 units in June, a 2 percent slide from the same month in 2007.
The automaker said sales at its Honda division decreased 1 percent to 14,918 units, while sales in its Acura division fell 15 percent to 1,600 units.


text: SOLD This is an excellent bass. The Genesis VJ has a maple neck, stunning rosewood fretboard with graphite sandwiched in between. You get the stability and evenness from the graphite combined with a warmer tone wood neck. Also has the upgraded humcancelling a villex pickups. These are passive with both a tone and mid cut. Very fat and lovely acoustic tone. Color is somewhere between candy and fiesta red. Not quite the metallic sheen as most candy apple red. Weighs 9.5 lbs. Strung up with some new DR sunbeams. Has a few small paint chips as seen in photos. Ships in a hardshell case. $[DEL]1175[/DEL] 1100 shipped {} {} {} {} {} {}


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Vanessa Brown, MSW Student, summarizes her current work with Professor Ric Munoz: Qualitative Analysis of the Relationship Between Empowerment and Hope for Safety Among Victims of Intimate Partner Violence.
In an effort to move research with victims of IPV from depressive symptomatology onto psychological strengths this study explored the relationship between empowerment and hope as measured through subjective perceptions of control of victims of IPV. Empowerment theory states that individuals must perceive control of important aspects of their life to achieve optimum functioning (Perkins & Zimmerman, 1995); while hope construct is an important predictor of optimum functioning where an individual's higher levels of hope predicts their engagement in behaviors associated with pursuit of their goals (Snyder, et al, 1991). Our hypothesis was that perceptions of internal locus of control (ILOC) would provide an indicator of hope for safety from IPV over and above other perceptions of safety such as powerful others (POLOC) or chance locus of control (CLOC). With this separation of the dimensions of locus of control (ILOC, POLOC, & CLOC) questionnaires utilizing Likert scale questions to measure subjective perceptions of control were distributed to IPV victims in an emergency shelter. The results confirmed our hypothesis that ILOC was a higher indicator for predicting hope among victims. Further through these results we were able to make the argument that based on these results interventions which would increase perceptions of ILOC would result in greater hope and in turn motivation for IPV victims to seek and achieve safety from violence.
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Welcome to the brand new Moody Mamas blog! Here you'll find not just updates on our clothing line, but also pregnancy and maternity resources that will inform and entertain. For our inaugural post, we thought we'd let you know a little bit about how our line came to be.
A few years ago, we had just moved to Los Angeles and were on a quest to create a clothing line that would make women feel empowered, vivacious and sexy...but we weren't thinking it would be a maternity line. We were in our early twenties and had never been married, let alone had children.
Our inspiration came in the form of a beautiful pregnant goddess named Shiva. "Women still want to feel sexy and flirty even though they are pregnant or nursing" she enlightened us. "If you girls want to do something that will make women feel good about themselves, you should make maternity and post-partum clothing."
Something about what Shiva said to us clicked. Since we had never been pregnant, we realized that it was imperative to do some research before taking on such a difficult task. During this "period of enlightenment" we went to pre-natal yoga and Lamaze classes, interviewed many pregnant/nursing women, convened with OB-GYNS and pediatricians and even wore fake bellies to give us an approximation of how it felt to carry a child. It took us a year to complete our pregnancy boot camp and we emerged eager to begin designing. Having familiarized ourselves with the world of maternity, we now understood why it was our duty to help moms-to-be feel beautiful.
Which brings us to where we are today. After two difficult years of trying to conceive, we became the proud parents of our own beautiful baby, Moody Mamas, Inc. In spring 2008, we launched our inaugural collection and look forward to many more years of being successful Moody Mamas. We work with designer and Project Runway winner Christian Siriano (creator of the Fierce Mamas line) among our most talented staff who help make Moody Mamas a success.
We are so proud to have produced a line that celebrates the beauty of expecting women and the thrill associated with pregnancy.
Monday, March 1, 2010
Meet the Moody Mamas!
Posted by Moody Mamas at Monday, March 01, 2010
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text: HomepageDestinationsKoksijde Golf Ter Hille Page ContentKoksijde Golf Ter Hille Taking its name from Hof Ter Hille, a farm which adjoins the course, Koksijde Golf Ter Hille has a rolling landscape with steep bunkers and hills which need to be overcome. The lack of trees and proximity to the sea make this a breezy course, so be sure to factor in the wind! More informationNo. of Holes • 18 and 9 hole coursesAddress• Hof ter Hillestraat 2, 8670 Koksijde, BelgiumGPS• 51°06'38.1"N 2°41'47.3 »EDrive time from port • 40 minutes / 20 miles from Dunkirk • 1 hour / 50 miles from CalaisNearest Booking.com hotel • Villa Juliette More hotels WE'RE AWARD WINNINGWe're honoured to be named Europe's Leading Ferry Operator 2017 at the World Travel Awards. We have been Europe's and the World's Leading Ferry Operator for 6 years running now!


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The Leaving was harder than college finals
Classroom confidential with Cathy Belton
Cathy Belton took a break from playing Patricia Hennessy in TV3's soap Red Rock to tell us about her school days and why Maire Geoghegan Quinn made such a big impact.
Where did you go to school?
For secondary I went to Dominican College, Taylor's Hill, Galway and my primary school was Scoil Chaitriona, Renmore, Co Galway.
Were you a Goody Two-Shoes or a bit of a Nightmare on Elm Street?
[Laughs] I was a hard-working average student. But I could be a bit of a daydreamer. I suppose I was a bit of a shy kid but I found myself as I got older.
What is your first memory of school?
How I loved my uniform. I wore a blue pinafore, light blue shirt and navy cardigan. I thought it was fantastic [laughs].
What teacher made the biggest impression on you?
Maire Geoghegan Quinn was my teacher in primary school and she was wonderful. She really helped us learn how to communicate and express ourselves.
In what way?
Well, as part of one lesson, she said to me: "I am a person and I cannot walk. You are going to teach me how to walk." I told her: "You just have to put one foot in front of the other." She replied: "What is a foot?"
The lesson was all about the power of communication and how you need to be patient in getting your point across.
What was your favourite subject?
I fell in love with English.
And what started that love affair?
Romeo and Juliet. It was such an adventure. I couldn't get over the edginess and boldness of it. I had never heard language like that before.
What is the naughtiest thing you ever did?
We thought it would be great craic to turn our jumpers, shirts and ties back-to-front. I remember being very disappointed that when the teacher arrived to class, she was very unimpressed.
What would you change?
The Leaving Cert was a stressful time and I think it is for everyone. I found the Leaving Cert harder than my finals in college. There must be a better way.
Irish Independent


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Associate - FHA Underwriting
- Competitive
- Dallas, TX, USA
- Permanent, Full time
- Hunt Mortgage Group
- 24 Nov 17 2017-11-24
Associate - FHA Underwriting
Position Summary
Reporting to the FHA Chief Underwriter or a Director, the Analyst/Associate is responsible for assisting and supporting loan production functions, including: financial compilations; review of third party reports; underwriting analysis; preparation of sections of the underwriting narrative; processing loan exhibits; document collection and transmittal; and, client relations. Support underwriting staff working on a pipeline of complex Multifamily/Affordable MAP transactions. Work directly with underwriters/loan originators and clients as necessary throughout the due diligence process.
Essential Job Functions
- Assists underwriting staff throughout the due diligence process. The FHA Processor/Analyst's will be assigned a pipeline of transactions working directly with FHA underwriter in an effort to see deals through the MAP underwriting process.
- Processing, including detailed review of all third-party reports associated with each transaction type and completing sections of the underwriter narrative.
- Early identification of processing/underwriting issues and risks.
- Ability to perform all production duties of FHA Loan Processing.
- Analysis of investment real estate organizational documents, financial statements, rent rolls, evidence of site control, mortgage credit, and other finance related exhibits used in connection with preparing an application package.
- At times performing project and comparable property inspections as assigned.
- Maintains Closer system with status of assigned transactions.
- Completion of closing handoff requirements and coordination with closing and asset management as needed.
- Provides guidance and assistance on loan proposals, as needed. Participate in ad hoc internal committees.
- Process a pipeline of complex multifamily and affordable housing transactions.
- Develops and maintain strong relationships with FHA/ HUD offices and counterparts.
- Performs other duties and projects as assigned.
Bachelor's degree in Accounting, Finance, Economics, and/or related field required.
Experience and Qualifications
- Minimum of one to two years of Multifamily experience with the FHA 221 (d) 4 loan program and familiarity with construction lending practices is desirable. Associate must have three to four years minimum experience.
- Knowledge of the FHA processing and underwriting standards and requirements.
- Demonstrated significant FHA MAP multifamily processing experience is required with MAP Approval. HUD 232/LEAN experience is desirable, but not required.
- Familiarity with affordable housing policies and underwriting practices ideal.
- Ability to manage effectively management a pipeline of complex multifamily transactions.
- Must be able to prioritize at a high level.
- Ability to read, analyze, and interpret complex documents and provide succinct credit decisions with the necessary support for those decisions.
- Ability to respond effectively to the most sensitive inquiries or complaints.
- Ability to succinctly and accurately present information and respond to questions from borrowers, employees, and executive level management.
- Strong writing ability.
- Strong analytical abilities to grasp complex transactional issues and assess risk.
Requires a self-motivated, team player who has strong attention to detail and ability to prioritize in a fast-moving environment, and comfortable interacting with all levels of management. Ability to work independently while functioning as part of a team with excellent verbal and written communication skills. Must desire to work in a high-energy environment with a dedicated commitment to excellence. Collaborative, team-oriented, service-oriented. History of effective multi-tasking, expectation setting, escalation of issues, where appropriate. Focused attention to detail and high standards for quality and accuracy in his/her work product. A great attitude and strong work ethic.


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Man Of The Year
Release Date: 03 September 2007 | Certificate: Suitable for 12 years and over
£3.89 includes FREE UK Postage (other delivery options available)
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Robin Williams and writer-director Barry Levinson who worked together on 1987s GOOD MORNING VIETNAM and 1992s TOYS reunite for the political thriller/romantic comedy MAN OF THE YEAR. Williams stars as Tom Dobbs the host of a comedy talk show who fed up with the political system suddenly decides to run for president. So off he goes on a national bus tour joined by his manager Jack Menken (Christopher Walken) and his head writer Eddie Langston (Lewis Black) bringing his message of change to an eager public. Meanwhile Eleanor Green (Laura Linney) who works for Delacroy the company that has developed the voting machines being used by the government discovers a serious glitch in the program that alters the results of the election. She tries to tell the companys CEO (Rick Roberts) and chief counsel/spokesman (Jeff Goldblum) but they want everything hushed up so their stock prices arent affected and their upcoming international deal goes through. Unable to hold back the truth Green looks to Dobbs for help while being hunted down by Delacroy. Levinson the director of such successful films as DINER AVALON and WAG THE DOG--the latter also set in the political arena--has crafted a fast-paced seriocomic look at 21st-century America especially since the possible voting problems encountered in the presidential elections of 2000 and 2004. Part Jon Stewart part Bill Maher part Ross Perot Dobbs is a funnyman who decides to do something about the sorry state of the country.
Release Date: 03 September 2007
Certificate: 12 - Suitable for Persons Aged 12 or Over
Region 2
Aspect Ratio: 16:9 Anamorphic Wide Screen
Sound: Dolby Digital 5.1
Running Time: 110 minutes
Production Year: 2006
Main Language: English
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Catalogue No: 8248389


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02-16-03, 22:40 #1Registered User
- Join Date
- Feb 2003
- Location
- Malaysia
- Posts
- 3
MDAC Microsoft Data Access Component
I have a problem with MDAC Microsoft Data Access Component where my system was running on the version 2.0 MDAC but after the development I fine out that my client current implementation is on version 2.1 and there are LIVE system running on my client side. So I would like to know is there anyway for upgrading the MDAC from version 2.0 to version 2.1 with affect the current implementation
or there is anything I can do about it?? Please help me about that?


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Evgeny Minchenko
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From Pip-Boy to crafting, a strategic look at all the pieces we know about Fallout 4.
Each day you may skip at least one quest. Take advantage of this capability to remove pesky ones, especially those that take a long time. Quests that contain dashing a variety of rooms or coping with plenty of incidents are first on the chopping block for me, as a result of they require chance and a number of upkeep. Quests that involve birthing a number of infants could also be next in your list, in case you do not have already got loads of pregnant Dwellers, since these things take time… :).
Remember to have loads of Stimpaks and Radaways ready for after the battle is done. Your dwellers will take harm, and if they're combating Radroaches, they will turn into irradiated, making both of these things a necessity. In the event that they get killed you'll have the option to revive them again by spending your laborious-earned bottle caps.
Shoot the Medic First : Comes into play when preventing Glowing Ghouls. Their radiation burst attack deals extreme harm to your dwellers, however concurrently heals the Glowing One and its minions by a considerable amount – two reasons at once to concentrate fireplace on the boss first.
Fallout Shelter runs as long as you keep the vault. You'll be able to continue to play, increasing your vault, birthing extra youngsters, and taking in Wasteland Wanders. In recreation app purchases can be found but does … Read More


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The Best of British
Since 1971 the International School of Madrid has been providing students with a broad and balanced British education. Now home to almost 800 students aged between 1 and 18, the school follows the English National Curriculum and is known for its child centred approach, happy atmosphere and high standards of academic achievement.
With our Primary pupils consistently outperforming their UK counterparts and a pass rate of 99.6% at A-level, it is no wonder that our students go on to attend some of the best universities in Britain, as well as in the US, Spain and across Europe. We currently have former pupils studying in Oxford, Cambridge, Imperial College, Kings College (London), The University of Bath, Glasgow University, and many others.
Our Aims and Values
I.S.M. is an inclusive school which welcomes and values all of its students and their families. We aim to create a family atmosphere where children feel safe and secure and in which there is fluid communication between home and school.
We provide a broad and balanced curriculum which:
Our goal is to provide a high quality education which:
Outstanding Academic Success by ISM pupils
The Outstanding Learner Awards are given by Cambridge each year to pupils who achieve Top in Spain, Top in the World and High Achievement in particular subjects at GCSE, AS and A-Level. Over the last seven years ISM has been awarded a very large number of these, often ranking first or second in Spain, among more than 80 centres that enter for CIE exams. This year our students have once again been given an amazing nine awards.
|Pre-School C/ Rosa Jardón, 1 28016, Madrid 91 345 95 19 email@example.com Primary C/ Rosa Jardón, 3 28016, Madrid 91 359 21 21 firstname.lastname@example.com Secondary C/ Serrano Galvache, 13 28033, Madrid 91 302 30 80 firstname.lastname@example.com


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Sweet Potatoes Is Super Food – Protein In Sweet Potato Can Destroy Several Types OF Cancer Cells
Sweet potatoes are some of the healthiest and cheapest in the world vegetables, and someday even in space, since NASA chose for space can missions.They even it is considered a super goal food.The of a study at the University of Washington was to discover what vegetables contain more nutrients per dollar.
The potential anti-cancer sweet potato proteins video presented below, shows a graph of nutrition compared to the availability of various foods.
green leafy vegetables as one of the healthiest foods are also one of the cheapest, while scores more foods rich in nutrients per dollar proved to be the sweet potato.
Not only that sweet potatoes are rich in nutrients, but also have anti-cancer properties. Again in 1931, the yams were discovered to possess a unique protein.
In fact, 80 percent protein sweet potato is a type of protease inhibitor has potential anti-cancer properties.
Initially, potato proteins they were tested against blood cancer, leukemia, and it showed to subdue the growth of leukemia cells in a petri dish.
probably wondering how a protein CAMOTE can enter the bloodstream.
By the time most proteins hit the stomach, they begin to digest. In order to avoid the problem of digestion, scientists tested sweet potato proteins against cancer cells on the tongue, given that since then touching their mouth.
Because patients with tongue cancer are usually treated with chemotherapy and using chemotherapy drugs that have harmful effects, the discovery of alternative therapeutic strategies is necessary.
protein sweet potato decreased the viability of in vitro cancer in just a couple of days, which led scientists to suggest that sweet potatoes can be beneficial for tongue cancer in humans.
but SWEET POTATOES can help in the treatment of other cancers as well?
Researchers tested this unique class of proteins in 9 women with advanced cervical cancer, of which 2 showed that this class of proteins survive the digestion process and can be absorbed into the bloodstream intact.
It was not long ago when proteins sweet potato in one of the most common were tested and the deadly cancer, colorectal cancer.
The colon is surgically removed, while in the early stages, because very often there are "micrometastases" displayed outside the colon and can result in cancer recurred and death. For this reason, scientists have been looking for anti-metastatic agents.
sweet potato protein does more than slow the development of colon cancer cells. It also reduces cancer cell invasion and migration.
Sweet potatoes are linked to reduced risk of gallbladder cancer, although this was never proven type.


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In July 2014, the standard IFRS 9 was finally completed and the latest amendments brought us new impairment rules (besides the other things).
In my humble opinion, new impairment rules will cause a lot of headaches for mainly financial institutions.
Well, they will have a hard time to adjust or upgrade their own information systems in order to provide just the right information and calculate loss provision in line with the new requirements.
But – even if you're not working in a financial institution, don't celebrate that much.
Do you have some trade receivables?
In such a case, you ARE affected as well.
You need to change the way of calculating "bad debt" provision related to your receivables. Let me show you how.
Expected Credit Loss Model – the basics
IFRS 9 introduces so-called "general model" of recognizing impairment loss. This model requires recognizing impairment losses in line with the stage in which the financial asset currently is. There are 3 stages:
Stage 1: Performing financial assets
Here, we have financially healthy financial assets that are expected to perform normally in line with their contractual terms and there are no signs of increased credit risk.
IFRS 9 requires recognizing impairment loss amounting to 12-month expected credit losses immediately at initial recognition of these assets.
What is 12-month expected credit loss?
It is the expected credit loss resulting from default events on a financial instrument that are possible within 12 months after the reporting date.
In this case, the interest revenue is recognized based on effective interest rate method on gross carrying amount, so no loss allowance is taken into account.
Stage 2: Financial assets with significantly increased credit risk
When the credit risk of certain financial asset significantly increased and the resulting credit quality is NOT low risk, then an entity needs to recognize full lifetime expected credit losses.
What are they?
They are present value of losses that arise if a borrower defaults on their obligations throughout the life of the financial instrument.
In fact, 12-month expected credit losses are just the portion of the life time expected credit losses.
Now, please be careful, because expected credit losses are in fact a difference between:
- The present value of cash flows based on the contract of a financial instrument; and
- The present value of cash flows that an entity really expects to obtain from the financial instrument.
As a result, the timing of payments from the financial instrument directly affects their present value and thus the amount of an impairment loss.
In practice, if you expect that debtor will pay you in full, but later than in line with the contract, there IS an impairment loss!
Interest revenue for stage 2 assets is calculated exactly in the same way as in stage 1 (on gross carrying amount).
Stage 3: Credit-impaired financial assets
When your financial asset has already become credit impaired (meaning that certain default events have occurred), then an entity still recognizes lifetime expected credit losses.
However, this time, interest revenue is calculated and recognized based on the amortized cost (that is gross carrying amount less loss allowance).
In this stage, financial assets might need to be individually assessed.
Why is this model so demanding?
Maybe it's not apparent immediately, but the correct application of this model requires lots of reliable information, for example:
- Information for estimating debtor's credit risk and identifying its significant increase;
- Information for estimating occurrence of default events within 12 months from the reporting date;
- Information for estimating occurrence of default events within the life of the instrument, their probable outcomes and weights;
and many more.
Even slight change in 1 parameter can affect the resulting amount of recognized impairment loss and thus financial results of an entity. Therefore, it's everything else but NOT easy to adopt these newest requirements.
However, the good news is that unless you work for a financial institution like bank, you don't have to follow the above general model.
Great exception for non-financial companies: trade receivables
There are many entities whose primary business is simply NOT providing loans or finances, but for example selling goods or services. These companies might have huge portfolios of trade receivables in their accounts.
Of course, trade receivables do meet the definition of a financial instrument and as a result, they are subject to IFRS 9 as well.
And exactly as I wrote above – if you expect your customer will pay you a bit later than agreed, you have an impairment loss on your trade receivable that you need to recognize!
But don't worry, you don't need to go from stage 1 to stage 3, calculate probabilities of default events and recognize 12-month expected credit losses first, followed by life time expected credit losses.
That would be enormous burden for the companies whose focus is something very different.
Instead, standard IFRS 9 permits the use of simplification.
If your trade receivables do not contain significant financing component, you can recognize lifetime expected credit losses right on initial recognition.
Moreover, as a simplification, you can use so-called provision matrix.
Let's take a look at our example to clarify that.
Example: bad debt provision
ABC, a trading company, has trade receivables with gross carrying amount of CU 500 000 at the end of 20X4. Careful analysis of the trade receivables showed the following:
- One of ABC's customers, debtor A, filed for bankruptcy proceedings during 20X4. ABC's receivable to debtor A amounts to CU 2 200 and ABC expects to recover close to nil.
- Aging structure of remaining trade receivables is as follows:
|Past due days
|Amount in CU
|% of expected credit loss
|Within maturity
|392 200
|1-30 days
|52 300
|31-90 days
|27 600
|91-180 days
|13 200
|181-365 days
|7 500
|365+ days
|5 000
|Debtor A
|2 200
|500 000
The last column of the table contains percentages of expected credit loss in the individual aging groups. ABC estimated these percentages based on the historical experience and adjusted it, where necessary, for forward-looking estimates.
How should ABC calculate bad debt provision in line with IAS 39 and IFRS 9?
Bad debt provision in line with IAS 39
Firstly, let's try to calculate bad debt provision in the old way, in line with IAS 39.
IAS 39 requires recognizing the impairment loss to the extent it has already been incurred. So you are not looking to future expectations or anything like that. Instead, you need to examine just the events leading to impairment loss already incurred.
In the ABC company's trade receivables portfolio, there's only one such a receivable with incurred impairment loss. Here, bankruptcy proceedings against debtor A would probably represent the default event causing that ABC will not recover its trade receivable.
As ABC assumes the recovery close to nil, it can recognize bad debt provision amounting to 100% of the receivable's gross carrying amount of CU 2 200.
Although past experience shows that some percentage of other receivables might not be recovered (look to the 3rd column of the table), ABC can't recognize any bad debt provision to remaining receivables, as there's no evidence of impairment loss really incurred.
Thus the statistics in the 3rd column is irrelevant for IAS 39 and total bad debt provision in line with IAS 39 is CU 2 200.
Bad debt provision in line with IFRS 9
Here, the things totally change.
Of course, bad debt provision to debtor A's receivable of CU 2 200 will not be any different. This receivable has already been credit impaired and full lifetime expected credit loss is simply 100% of this receivable – CU 2 200.
However, what about remaining receivables?
Well, based on the statistics in the 3rd column it seems that ABC can reasonably expect some credit loss in the future, although no loss events have happened yet.
However, ABC's past experience shows that ABC can expect 0.5% credit loss on the trade receivables that are totally healthy and performing normally in line with the contractual terms. The percentages increase with increasing days that the receivables are overdue.
As a result, ABC needs to recognize bad debt provision based on provision matrix, as this simplification is permitted by IFRS 9.
Bad debt allowance is then calculated as:
(392 200 x 0.5%) + (52 300 x 0.8%) + (27 600 x 5.6%) + (13 200 x 8.9%) + (7 500 x 20.3%) + (5 000 x 70%) =
Add provision to debtor A of CU 2 200 and the total bad debt provision in line with IFRS 9 is CU 12 322.30.
Hmhm. That's quite different from IAS 39 provision, isn't it?
When to apply new IFRS 9 impairment model
OK, so maybe you have just found out that IFRS 9 can hurt you pretty much. What to do? Is there some time to get ready?
IFRS 9 will be mandatorily applicable for periods starting 1 January 2018 or later, so you still have some time.
However, you can adopt IFRS 9 earlier, if you want.
In this case, if you adopt IFRS 9 before 1 February 2015, you can adopt previous versions of IFRS 9, meaning that you can continue with impairment rules under older IAS 39.
But not after 1 February 2015 – after that date, your only option is to apply new IFRS 9 in its entirety, if you opt to apply it early.
Did you like the article? Do you have anything to say? Please do so in the comment below and help me share this article with your friends. Thank you!


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A lubricant specifically designed for inline regulators and spool valve guns without a LPR(example:Shocker). MARMALADE is 100% synthetic and is not meant to compete with and/or replace Hater Sauce. MARMALADE will never harden or soften and is truly a "apply and forget" lubricant.
by Mike on November 7, 2012
Great lube. its a bit thick but thats what it is for. I use a light coat for my HPR and LPR internals (i have a DM9), thinking about using it on my solenoid gaskets since this stuff never dries out.
A bit thick to use on a spool valve bolt but many players have done so with very very light coats with great success.
Overall, great buy and really is a "apply and forget" lube
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