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Blog: Gadgets
XM and Sirius: The Battle for Merger Approval
Levi Beckerson
September 19, 2007 2:29 PM
Recipient E-mail
Sender E-mail
Both companies have a tough crowd to please before their merger can go through
Since the rumors of the XM and Sirius satellite
radio merger were confirmed in 2006
, the two entertainment providers have been met by resistance from the
National Association of Broadcasters (NAB)
. The two providers state that the merger, along with their
proposed a la carte plan
, would drive costs down for consumers, as well as offer more options for content.
However, in the face of the NAB's protests, XM and Sirius aren't the only entities in favor of the merger. The Parents Television Council, a group of lobbyists, feel that the merger would not only benefit consumers with more affordable subscription options, but contends that the proposed a la carte programming can be used to block adult programming, a very favorable option for parents.
The merger still has a few hurdles on the track. The Department of Justice has yet to rule that the merger
does not break anti-monopoly laws
, and this appears to be the backbone of the NAB's case against the providers. The NAB argues that a merger would, contrary to XM and Sirius's plans, eventually drive the cost of programming upward as well as provide fewer program options and less local programming to subscribers.
The second major obstacle lies in FCC approval of the merger. The companies recently convinced former FCC chairman Mark Fowler of their need and he stated in a New York Times article that if the companies "need to combine to be more effective competitors in an audio entertainment marketplace teeming with technological change and innovation, the government should not stand in the way." What remains for the satcasters is convincing the current FCC chairman, Kevin Martin.
In recent interviews, both companies' leaders came across as optimistic of the merger. Mel Karmazin, CEO of Sirius Satellite Radio felt confident that the FCC and DOJ approvals would come, as well as shareholder approval. Gary Parsons, chairman of XM Satellite Radio conveyed that though he feels the merger will be approved, XM does not need the merger – it will be beneficial to the provider, but not necessary in the face of their climbing subscriber growth.
The satcasters' line of reasoning lies in that the merger will allow customers more choice at a better cost, while allowing the companies to be more profitable and move forward with technology and more strongly into other existing markets such as streaming mobile and internet radio. They will need this profit margin and technology to compete with other popular forms of audio entertainment, such as iPods and other portable media devices, as well as terrestrial radio.
The coming months could prove interesting for XM and Sirius as the providers lobby for DOJ and FCC approval with support from various organizations, while the heavyweight NAB collects the opposing view of others to further its case.
"Nowadays you can buy a CPU cheaper than the CPU fan." -- Unnamed AMD executive
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February 19, 2007, 4:07 PM
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I was honored to be attending FertilityIQ's first Basecamp this past September in San Francisco, California. I took advantage of being on the other side of the country and brought my husband along before our basecamp started to enjoy a little wine country. I say this "basecamp" like everyone knows what I am talking about. Let me back up so you can get caught up but before I do I want to share some amazing pictures from Napa.
I was invited by fertilityIQ.com a free fertility website where you can rate and review your Reproductive Endocrinologists, or if you are just starting out in your fertility journey, you can review what other women are saying about their experiences. I was joined by five other infertility influencers for a weekend full of collaborating on how we can make our TTC (trying to conceive) community stronger. All the bloggers that attended are writing about a different experience from the weekend so be sure to click on the links below to get a full picture of what we learned where we went and who we met. I have to mention since I am posting some of our pictures from the weekend that all of us never meet in real life we only knew each other through blogging and social media. It was incredible to finally meet in person these amazing strong fellow IVF sisters all thanks to FertilityIQ.
I was very interested and excited that we had the opportunity to have a one on one with Dr. Behr, Dr. Baker, and Dr. Eisenberg at Standford Medical University. We were face to face getting real information not filtered through Facebook boards or blogs; this was the real deal.
We sat down with Dr. Barry Behr first after a very impressive tour of the Stanford Medical Facility in Palo Alto, California. Their state of the art fertility center was quite impressive. I have to say I was a little jealous that I didn't live in the San Francisco area and started my fertility journey at this clinic. You might remember that we made a big announcement on all our social media accounts about sending in your pressing fertility questions that you wanted us to ask the doctors at Stanford Medical Facility. We would take these topics and present them to the doctors at our meeting so we could infuse the knowledge we learned back to our TTC community. Some of the questions that you sent in were on P.G.S testing, male factor, PCOS and unexplained infertility. We were able to address some of these issues and gain more insight.
It seems as though there is a new buzz word in the infertility world called "Mosaicism" or "Mosaic" embryos it's not necessarily a new term but this word has been thrown around quite a bit lately. I was very interested in hearing what the doctors had to say about "Mosaic embryos" and what it means. Before I get to what "Mosaicism" means let's first talk about Preimplantation Genetic Screening or P.G.S.
Pre genetic screening is taking a biopsy of a five-day-old embryo by removing a few cells from the developing embryo. Only a few years ago, P.G.S testing could only determine if an embryo was normal or abnormal. Technology and science are always advancing and changing now high-resolution next-generation sequencing has narrowed the view. Researchers have found in roughly 20% of embryos that they have both normal and abnormal cells, of course, the percentage increases with maternal age. It seems that some of these embryos do mature into healthy children resulting in roughly 40% success rates. These embryos are called "Mosaic" embryos. What I found interesting is that researchers have always known about "Mosaic" embryos but only in the last year have they been able to detect them during an active IVF cycle. My take away from Dr. Behr on this subject was that infertility testing is not an exact science and there are some things that we just don't know.
We talked to Dr. Behr also about the advancement in our infertility science called Time Lapse Technology. The use of time-lapse technology had allowed scientists the ability to understand how embryos develop. This allows for more informed embryo selection for implantation. Researchers believe they can increase IVF success rates as high as 74% once this technology is perfected. Time-lapse technology works by photographs taken at regular intervals (20,10 or 5 minutes) this allows for a very detailed understanding of embryo development. What I find fascinating is that the research has identified that embryos with chromosomal abnormalities take more than a hundred hours to reach the blastocyst stage. There are babies conceived using this advanced technology and have been born. Not all clinics have brought this technology to their clinics but it's becoming more widely available.
Male factor issues with sperm quality and health were also high on the radar. Dr. Esienburg, a top urologist at Stanford Medical, said that semen analysis varies and the sperm count is probably the most critical component. Stanford generally will take the best results from multiple sperm analysis to be the man's numbers. Men should be taking a multi-vitamin for sperm health and obesity will affect sperm. Stanford also tries to do as little ICSI as necessary coming in around 40% of patients. Unexplained infertility came up multiple times in our conversation which I was happy to hear since that has been our diagnosis for the past three years. The bottom line from the doctors was much more "unexplained" cases of infertility are being diagnosed because doctors are becoming more humble by admitting they don't know all the answers.
The weekend was full of so much learning and knowledge and of course some fun that I have just scratched the surface with this one blog post. I will be updating you on the other meetings we had and what I learned from each of them. Until then check out what the other infertility bloggers have to say about their experience below.
Chelsea-Trials Bring Joy
Caroline-In Due Time
Elisha-Waiting for Baby Bird
Lisa-Amateur Nester
Katie-Fourtified Family
Jake and Deb-FertilityIQ


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The ability to Symantec apply a quantified measurement to social media chatter surrounding the top films and performances of the season, and to do so over a Killtest period of time, adds a valuable new dimension to The Times awards coverage. Killtest believes that this important initiative will start a wider uptake of outsourcing 250-501 exam services in the market.
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text:
This is the weekly Catholic Carnival! Be sure to visit RAnn at This, That and the Other Thing and check out some posts from other bloggers participating in Sunday Snippets this week. Why not join us and share a blog post or two from last week?
Question of the Week: "Tell us about your pastor."
Well, being the parish secretary, I feel it necessary to protect his privacy, especially online. I will say this much - He is an Augustinian priest and is much loved by his parishioners (and his office staff). I have learned a lot from him on what it means to be Christ-like.
I have been on vacation so I am just getting back after 2 weeks away. I was also on retreat and have started writing posts about it.
My posts this week:
1. Deo Gratias - Vacation!
2. Burned Out
3. Leaving Our Cares Behind
Saturday, June 28, 2014
Sunday Snippets - June 29
Written by Colleen at 6/28/2014 04:50:00 PM
Labels: Sunday Snippets
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Jen Segrest – See Jen's Profile
Jen's Website: http"//schmaltzycraftsy.com
Why she uses Kunin products: I love Kunin felt. Kunin offers such a wide selection of bright and vivid colors of felt, it's hard not to be inspired. I especially love the blended colors that bring a softer, more natural "wool" look to my work…people often can't believe I use "craft felt". The thing that I notice most about Kunin's felt is that it is thicker and more even than other brands. When stuffing my pincushions, the Kunin felt holds up much better. The fact that the felt is made from recycled material just makes it an even better choice! What's not to like?
Projects made by Jen Segrest:
[slideshow gallery_id="2″]


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Discussion in 'External Resources / Market Place' started by mardysteve, Jun 29, 2014.


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Separate names with a comma.
Discussion in 'OX & Alex Forum' started by BabyTaz, Sep 22, 2011.
Jammie day! No school for the kids!
anyone want to join??
Will there be s'mores ???????
Will there be any falling satellite debris???
I'd keep that out of the s'mores....... just sayin
Friday is.......
The first day of my VACATION!!
Jammie Day all day every day for a WEEK!!!
If'n ya can't tell...I be reeeeeally needin some time off...
I freely confess that I wasn't wearing pants at 02:00 this morning.
I may or may not be wearing pants now.
"Freely" is a bit TMI...
<----- Wears the pants in the family.
<----- But ain't got no jammies.
Mornin', amigo.
**** happens. . . .
Sorry Doug,not as sharp as usual.Got issues and priorities pressing.Oaf/OP keeping me outta trouble.'08.


text:
|01 Oct 2012
Kernelbase.dll Random crashing
Problem Event Name: APPCRASH
Application Name: vlc.exe
Application Version: 22.214.171.124
Application Timestamp: 5007ce85
Fault Module Name: ntdll.dll
Fault Module Version: 6.1.7601.17725
Fault Module Timestamp: 4ec49b8f
Exception Code: c0000005
Exception Offset: 0002dede
OS Version: 6.1.7601.2.1.0.768.3
Locale ID: 17417
Additional Information 1: e8ad
Additional Information 2: e8adce1c2b9e7be834b4063ac3c53863
Additional Information 3: e8ad
Additional Information 4: e8adce1c2b9e7be834b4063ac3c53863
Problem Event Name: APPCRASH
Application Name: uTorrent.exe
Application Version: 18.104.22.168708
Application Timestamp: 5021591c
Fault Module Name: KERNELBASE.dll
Fault Module Version: 6.1.7601.17651
Fault Module Timestamp: 4e211319
Exception Code: c0000005
Exception Offset: 0000e24d
OS Version: 6.1.7601.2.1.0.768.3
Locale ID: 17417
Additional Information 1: dc3a
Additional Information 2: dc3a5ebcf541597c291a6df8dcffe88e
Additional Information 3: 67ca
Additional Information 4: 67ca749ce5008497b7564c94fa99ac73
I don't know why but it just happens just now (3 times) while I am watching anime...
Any solutions and what is the cause?
More information :
No BSOD take place.
I google'ed some on sevenforums, just in case I have these applications installed in my computer :
Orbit downloader.
|My System Specs
|01 Oct 2012
|My System Specs
|01 Oct 2012
Extra : Crashes only take place when I am actually doing some serious thing, god hates me. When listening to musics, surfing the net, playing some games the crash won't happen.
Edit : Finished scanning, no issues detected.
|My System Specs
|02 Oct 2012
Bump ~
|My System Specs
|Thread Tools
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KernalBASE.dll message after forced prog. closes
having problems with a DVD authoring program DVD Architect Studio v5.0 - it's been running OK under Win7 32-bit and have not changed anything recently. The program ask to close (but there is no other option, other than send fault report which gets nowhere,,,). The first instance was about 6...
Random Crashing
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Property Location With a stay at The Alondra Hotel in Barra de Navidad, you'll be on the beach and minutes from Barra de Navidad Beach, and close to Isla Navidad Golf Course. This beach hotel is within the region of Melaque Square and Cihuatlan Church. Rooms Make yourself at home in one of the 73 air-conditioned guestrooms. Rooms have private balconies. Cable television is provided for your entertainment. Bathrooms have showers and complimentary toiletries. Amenities Enjoy recreation amenities such as an outdoor pool or take in the view from a terrace. Additional features at this hotel include complimentary wireless Internet access, babysitting/childcare (surcharge), and tour/ticket assistance. Dining Satisfy your appetite at the hotel's restaurant, which serves breakfast, lunch, and dinner, or grab a snack at a coffee shop/café. Relax with a refreshing drink from a bar/lounge or one of the 2 poolside bars. Business, Other Amenities Featured amenities include a 24-hour front desk, luggage storage, and a safe deposit box at the front desk. Free self parking is available onsite.
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Unlike this lady, I'm not really obsessed with CPS in general -- just with what's going in with my children's school, and how the wider CPS policy and culture, and indeed, wider Education news and policy, affect it. So it was with great interest that I read yesterday's Chicago Tribune front-page article on the early success (or not, as it turns out) of the Renaissance 2010 schools.
For those of you who don't know, Renaissance 2010 (and its main funding organization, the Renaissance Schools Fund) came out of the civic committee of the Chicago Commercial Club and Mayor Daley. It is a plan to turn around Chicago's failing educational system by replicating existing successful schools within CPS. Disney II is a modified replication of the Walt Disney Magnet School. Walt Disney Magnet School opened in 1972 (I believe), the first magnet school in the city of Chicago.
Parents of children at CPS (at least all the ones I know and talk to) are already in a tailspin after the Consent Decree was overturned in September and the new magnet/siblings-admission policy. Can any good come out of the Trib's indictment of the Ren10 schools? What do you think of the news?
Monday, January 18, 2010
2 comments:
- Anonymous said...
Check this out
- Noraborealis said...
I am trying to start a forum for CPS special Ed parents. Any input would be appreciated.
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text:
As a commission, ICMI is defined by two constituent components.
The first component is the Executive Committee (EC) and the General Assembly of ICMI elects the EC for a four-year term. The responsibility of the EC is to conduct the business of ICMI in accordance with its Terms of Reference and subject to the direction and review of its members.
The second component is the set of ICMI Representatives of the member states. The Representatives are appointed by or on behalf of the Adhering Organisations or the Committees for Mathematics of the respective countries.
The EC members and the ICMI Representatives constitute the General Assembly of ICMI, which is summoned every four years in conjunction with the quadrennial International Congress on Mathematical Education (ICME). Representatives of ICMI Affiliate Organizations are invited to attend the General Assembly but have no right to vote.
In case of any questions regarding the GA, please contact the ICMI Secretary General.
The next General Assembly will be held in July 2020 in Shanghai, China.
In 2016 the General Assembly was held in Hamburg, Berlin on July 24th, 2016.
In 2012 the General Assembly was held in Seoul, Korea on July 7th, 2012.


text:
China has blocked a tributary of the Brahmaputra river in Tibet as part of the construction of its "most expensive" hydro project which could cause concern in India as it may impact water flows into lower riparian countries. However, timing of blocking the Brahmaputra river tributary has raised questions since it has come at a time when India's reported decision to suspend talks with Pakistan under Indus Water Treaty as part of its efforts to hit back at Pakistan in the aftermath of the Uri attack. The Lalho project on Xiabuqu river, a tributary of Yarlung Zangbo which is the Tibetan name for Brahmaputra, in Xigaze in Tibet involves an investment of 4.95 billion yuan (USD 740 million). Xigaze also known as Shigatse is closely located to Sikkim. From Xigaze, the Brahmaputra flows into Arunachal Pradesh. It is not clear yet what impact the blockade will have on the flow of water from the Brahmaputra into the countries like India and Bangladesh as a result.
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text:
- From
- May 1899
New South Wales, Australia
- To
- 1 July 1903
- Occupations
- Armed services organisation
The Army Nursing Service Reserve was established in 1899 and attached to the New South Wales Army Medical Corps. This was the first official female army nurses' organisation in the Australian colonies. Nurse Nellie Gould was appointed lady superintendent of the Reserve. On the 17 January 1900 Nurse Gould left with thirteen nursing sisters to serve in the Boer War as part of the British Army. The nursing contingent returned to Australia in 1902. The Reserve was replaced by the Australian Army Nursing Service (AANS), that was formed post Federation.


text:
Hacienda Celestial
Select your stay dates to check availability at Hacienda Celestial
Hacienda Celestial
About the Hotel
Property Location
Located in Scottsdale, Hacienda Celestial is close to Boulders Golf Club and Desert Forest Golf Club. This bed & breakfast is within the vicinity of Carefree Desert Gardens and Sundial and Cave Creek Museum.
Make yourself at home in one of the 2 air-conditioned guestrooms. Complimentary wireless Internet access is available to keep you connected. Bathrooms have shower/tub combinations and hair dryers. Conveniences include washers/dryers and ceiling fans.
Rec, Spa, Premium Amenities
Take advantage of recreation opportunities such as an outdoor pool, or other amenities including complimentary wireless Internet access and concierge services. Additional amenities include a fireplace in the lobby, tour/ticket assistance, and a picnic area.
A complimentary continental breakfast is served daily.
Business, Other Amenities
Featured amenities include a computer station, laundry facilities, and a library. Free self parking is available onsite.
Hotel Facilities
- Total number of rooms - 2
- Number of floors - 1
- Fireplace in lobby
- Concierge services
- Outdoor pool
- Parking (limited spaces)
- Free self parking
- Number of buildings/towers - 1
- Picnic area
- Smoke-free property
- Free breakfast
- Laundry facilities
- Tours/ticket assistance
- Library
- Barbecue grill(s)
- Computer station
- Free WiFi
Room Facilities
- Yard
- Ceiling fan
- Shower/tub combination
- Air conditioning
- Hair dryer (on request)
- Partially open bathroom
- Free WiFi


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Qualcomm faces shareholder lawsuit
Legal department is a bit too busy
Qualcomm's own shareholders have sued the chipmaker for creating too many lawsuits.
Fitness trackers can't measure calories
Chocolate teapots
Fitness devices are reasonable at monitoring heart rate but can't track calories burnt to save their lives.
Micro LED arrives soon
Second half of 2017 with products in 2018
Despite shedloads of delays and technological bottlenecks micro LED products will start to arrive in the second half of the year with full production ready for 2018.
Huawei closing on Apple
Headed to become a number two
Huawei is slowly closing on Apple in a bid to replace the fruity cargo-cult as the number two of the smartphone industry.
Apple makes agreement with Nokia
Strong arming on the licencing again
Fruity cargo cult Apple's policy of boosting its margins as interest in its products sink appears to have scored a result with Nokia.
Apple spending a fortune on lobbying
Thou shalt not repair your phone
The fruity tax-dodging cargo-cult Apple is pulling out all the lobbying stops to stop its users getting cheap repairs.
Apple goes for an Indian
iPhone SE assembly line established
The Fruity cargo-cult Apple has completed its first trial run assembly of the iPhone SE in India as part of a cunning plan to get a foothold in a market which favours cheap and cheerful products.
Android is on two billion devices
Nine out of 10 smartphones
While the fruity cargo-cult Apple and its minions in the Tame Apple Press want you to believe that iOS is the most successful operating system, Google Android really is the clear winner.
35 million tablets shipped in second quarter
13.7 percent less than last year
The death of the "game changing" keyboardless netbook continues as Digitimes Research predicts that only 35 million tablets will be shipped globally during the second quarter of 2017.
Apple patents pizza box
Will serve with fried chips
Fruity cargo-cult Apple is so desperate to get out of the failing smartphone business it appears to be thinking about making pizzas.


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The Early Years: Erik Nietzsche Part 1 Trailer (2007)
25 December 2007 Drama, Comedy 91 mins
Erik Nietzsche is an intelligent but in many ways inexperienced shy young man who is convinced that he wants to be a film director. In the late 1970s, Erik is accepted by the Danish National Film School where he enters a world of angry and unhelpful tutors, weird fellow students and unwritten rules. In this both exhilarating and angst-provoking period for him, Erik feels increasingly like a foreigner in the film industry. Frequently, he is merely an observer of the absurdities that surround him. He encounters trade union disputes, falls in love and experiences self-assured empowered women who refuse to make a commitment. The film is a drama full of comedy - a sharp portrait of a conceited but entertaining world of film which we suspect our dogged young director will eventually conquer with his vision.
Watch the official The Early Years: Erik Nietzsche Part 1 2007 trailer in HD below or find more The Early Years: Erik Nietzsche Part 1 videos on Vidimovie.


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Intex has launched the Intex Aqua Fish smartphone which runs on Jolla's Sailfish OS 2.0 and is priced at Rs. 5,499 in India.
Announced at the MWC 2016, the availability of the Intex Aqua Fish is delayed by a few months but the device is now up for grabs from Ebay. Packing in a 5 inch HD IPS display, Qualcomm Snapdragon 212 quad-core processor clocking at 1.3 GHz. There is 2 GB of RAM and 16 GB of internal storage which can be expanded using a microSD card.
With 8 MP rear camer with LED Flash and 2 MP front facing shooter, your pciture clicking needs are fulfilled and if you have different number for work and personal use, the Intex Aqua Fish also has dual-SIM capability. There is 2G, 3G, 4G, Wi-Fi, Bluetooth 4.0 connectivity onboard and a decent 2500 mAh battery running the show.
Intex Aqua Fish Specification:
- 5-inch IPS display
- Resolution of 1280 x 720 pixels
- Quad-core 1.3 GHz Qualcomm Snapdragon 212 processor
- 16GB internal memory
- 8 MP primary camera with LED Flash
- 2 MP front camera
- 2G, 3G, 4G LTE, Wi-Fi, Bluetooth 4.0
- 2500mAh battery.
The Intex Aqua Fish is available in Orange color for buyers.


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Felix also mentions Mario in the movie. Can't wait to see Mario in the sequel.
Thats's why I love Bowser! xD
thats what happens when your throut is too dry
wait THIS IS REALLY IN WRECK IT RALPH
Ralph: I don't want to be the bad guy anymore. Bowser:*breathes fire*
Ha ha, liked that moment.
Bowser: you WHAT?!
bowser why you snif that
:bowser-plz: :saysplz: LOLZ i breathes fire on floor and... wait! SOMEBODY RECORDED IT?!?!?!?!?
*Breathes fire on my computer*
*Breathes fire on my computer*
I'm gonna use this
Ralph: I don't wanna be the bad guy anymore!
Bowser: (spits fire) SHUT YOUR MOUTH!
Bowser: (spits fire) SHUT YOUR MOUTH!
Lol bowsers like "what did ya saay?" lol
I really can't wait to see this movie, it's not coming out in the UK until February
Ikr! I thought it said 24/12 at first!:/
What if Disney teamed up with Nintendo to make a mario movie?
better yet SEGA.
it probably be better than that "other" one.
That'd be awesome!
Well,Disney and Nintendo has very good interaction,I think.
I'mafirinmahlazar!!! Oh bowser XD
awesome xD!
i didnt realize he spit out his coffee before!
wow i want see that all games into movie EVEN ALL GAMES WORLD IN HERE TOO?
lmao!! its even funny the 30 time lol!XD nic job dude! so is it just a little faster
me and my dad were talking about how they got the right to use Bowser in a Disny movie O_o
I was so happy to see Bowser is going to be in this movie!! It's going to be so funny, I can tell.


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Colliding billiard balls. Missile trajectories. Cornering dynamics in speeding cars. By helping game developers create compelling, believable content for computer games, simulations, and animation, "Physics for Game Developers" serves as the starting point for those who want to enrich games with physics-based realism.
This book shows how to create believable content in computer games, simulation, and animation by applying the laws of physics to moving objects in the game. Early chapters review basic concepts of rigid body dynamics, covering kinematics, force, and kinetics, and later chapters apply these concepts to real-world problems with projectiles, boats, airplanes, and cars. Final chapters introduce real-time simulations and show how they apply to computer games. A college level understanding of physics is assumed, plus proficiency in trigonometry, vector and matrix math, and calculus. Bourg is professionally involved in computer game development and consulting. Annotation c. Book News, Inc., Portland, OR (booknews.com)


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This is basically what I'm addicted to for the last few months. Check it out and enjoy.
http://www.youtube.com/bluedaisypresents - https://soundcloud.com/bluedaisy -
https://www.facebook.com/Bluedaisyofficial - https://www.facebook.com/dahliablackgang
https://soundcloud.com/dahlia-black-gang - http://dahliablackgang.tumblr.com/
https://twitter.com/bluedaisytwit - https://twitter.com/DahliaBlackGang
https://vimeo.com/ruffmercy - https://twitter.com/RFFMRCY - http://ruffmercy.com/
About Blue Daisy (from Wikipedia): Blue Daisy (born Kwesi Darko) is a British electronic musician from London, England, signed to Black Acre Records. Blue Daisy's first major exposure as a musician came in 2009, through his debut track, entitled « Space Ex », which featured French singer LaNote and was named 'Best New Track' on Pitchfork.com. He released his debut album, « The Sunday Gift » in September 2011 to favourable reviews from Resident Advisor and Pitchfork Media. His mixes have been featured in Fact (UK magazine) and Dazed & Confused (magazine).
Buy « Fuck a Rap Song » MP3 on Amazon HERE. Buy « Used To Give A Fk' » Ep Vinyl on Deejay.de THERE.


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Debt is neither good nor bad - it has no inherent morality. It's not a temptation. And it's not a free lunch. The crucial quality determining the goodness - or badness - of debt is simply on what you spend the money.
First the basics. It has been proven mathematically that under widely accepted assumptions about human behavior and values that the existence of debt INCREASES the total happiness of humanity. Debt is an intertemporal exchange of value. Debt permits people who need money to buy something useful they want or need to buy it now and pay for that item over time - perhaps the time they use the item. EXAMPLE: a car. You need a car to go to work & shop, etc. With a car LOAN, you get the car now and then use it to get work. The work generates income and you use a portion of that income to pay off the car loan. Voilà! The income and expense are matched over time.
The same applies to business loans, to home mortgages, to student loans, etc. Debt to raise money to spend productively is GOOD for the borrower.
And it's good for the lender. The lender has money and needs income over time. And wants his money back, too. The loan with interest gives him that income and he gets paid back IF he has made a correct decision that the borrower can repay. Often that becomes a exercise in probability - debt does involves unknown risks. That's why the lender charges an interest rate higher than a risk-free rate (such as on US Treasury bills or bonds - the government can print the money to pay its loans back ... and does every week of the year).
Debt is not riskless for the lender and it's not riskless for the borrower. Maybe the borrower has a medical problem or loses a job (such as through outsourcing). The borrower did nothing wrong - nothing bad. This can just be bad luck. The debt is a senior claim on his income, though. The lender can foreclose on the collateral, or put liens on the borrower's bank account. And the borrower can go bankrupt. That's his constitutional right - yes, bankruptcy is part of the US Constitution; Congress has explicit powers to write bankruptcy laws and has done it. The US has no debtor's prisons.
Barring stupid decisions on spending money from debt, you can now see that debt is a good, useful instrument to increase human happiness ... overall.
BUT debt can cause problems - big problems - IF the borrower wastes the money. Borrowering and using your home as collateral to go to Vegas or take your girlfriend on a cruise is stupid and wasteful. Ditto to maintain an extravagant lifestyle. Ditto to spend the money to dig holes and fill them up. Ditto to pay people not to work. These last few examples are why the US Federal government, the States and municipalities now have debt problems: decades of stupid, unproductive SPENDING.
The question is not the debt: IT'S THE SPENDING, STUPID SPENDING.
Question all spending. Politicians are wasting your money on stupid spending policies. They lie and use sophistry to obscure how they waste billions. Vote against politicians who don't value your tax money and spend it wisely.
The Krypto Fund model wants me to sell some gold-silver & emerging market stocks. I will comply and put the money into cash. The model wants me to buy bonds, but until I can find some with good value (i. e., low prices), I will wait.
Word of the Day
"Finitude" - noun [$100]
Finitude means a finite state or quality.
Sentence: One must limit borrowings that rely on refinancing to repay a loan; finitude exists in lenders' willingness to extend credit.
Monday, October 4, 2010
Posted by Bunkerman at 2:05 AM
Labels: debt
No comments:
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TotLogic Bubble Bath - Original Scent
Sulfate Free Bubble Bath for Infants & Kids.
Make bubble bath time fun and worry free for your baby and all members of the family with our plant based, gentle, and sulfate free TotLogic Bubble Bath.
Come splash around in a tub full of safe, non-toxic, and fun bubbles, and come out clean, refreshed, and smelling like TotLogic's original signature light, airy, and calming scent.
TotLogic Bubble Bath is rich in natural antioxidants and botanicals, will not dry delicate skin, and rinses away cleanly leaving no residue behind. Perfect for babies, kids, and the entire family.
8 oz. / 236 ml.
Natural Bubble Bath That Is Gentle & Pure.
Remove safety seal and replace cap. Start running water and pour TotLogic Bubble Bath into tub under stream of vigorously running water. Pour in intervals to get the desired amount of bubbles. For extra bubbles gently swish hands back and forth under water.
Use & Ingredients
Non Toxic Bath Time Products For Babies, Toddlers, Kids, & People Of All Ages.
TotLogic Bubble Bath is sulfate free, gentle, plant based, and rich in antioxidants.
All TotLogic products are sulfate free, phthalate free, DEA & PEG free, paraben free, methylisothiazolinone & benzisothiazolinone free, and do not contain artificial colors or fragrances. TotLogic products are eco friendly, biodegradable, have never been tested on animals, and are proudly made in the U.S.A. Peta Approved & Vegan.
Ingredients: Purified Water, Aloe Barbadensis Leaf Juice (Aloe), Sodium Lauryglucoside, Hydroxypropylsulfonate, Cocamidopropyl Betaine, Sodium Cocoamphoacetate, Sodium Methyl Cocoyl Taurate, Glycerin, Panthenol, Arnica Montana (Arnica), Anthemis Nobilis (Chamomile), Camellia Sinensis (White Tea), Lavandula Angustifiola (Lavender), Citric Acid, Sodium, Benzoate, Potassium Sorbate, Ethyl Hexyl Glycerin, Citrus Bergamia (Bergamot) Essential Oil, Mentha Avensis (Wild Mint) Essential Oil, Medica Limonum (Lemon Peel) Oil, Ocimum Basillcum (Basil) Essential Oil.
Additional Info & Precautions
Gentle Baby Care Products Made With Naturally Derived Plant Based Ingredients.
Unlike traditional bubble bath formulas, TotLogic Bubble Bath might require a small bit of manual mixing to get superior bubbles. It's best to use TotLogic Bubble Bath by pouring generously under vigorously running water and swishing in water with your hands for extra bubbles.
For external use only. Keep away from eyes, but if contact and irritation occur then gently flush with water.
Keep this product out of reach of babies and children.
If allergic reaction occurs cease use immediately and contact your pediatrician or physician. This product contains natural essential oils. Always patch test on a small area of skin for sensitivities and allergies prior to use.


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Oy Vey! Something went wrong. We are very sorry, please try again later.
Sterling Silver Plated Semi-Round Mezuzah with Webbed DesignProduct ID: MZZ-CS-26273
In stock
Sorry! The quantity is limited to two items only.
In accordance with our shipping policy
Chat with a Judaica expert Click Here
Similar Products
Sterling Silver Plated Semi-Round Mezuzah with Webbed Design
This sterling silver plated Mezuzah features in interesting webbed texturing over an elegant gold body. Its top includes a gold Hebrew letter "Shin".
Material Silver Plated-Sterling silver 925
Dimensions 13x2.3cm
Estimated processing time: 4-8 Business Days.
Your order's processing time is the estimated number of days that it will take for your order to be prepared for shipment from our Israel-based fulfillment center.
Sterling Silver Plated Semi-Round Mezuzah with Webbed Design
This unique and intricate Mezuzah creates the effect of silver webbing over a gold body. The contrast of the colors as well as the delicacy of the design makes this Mezuzah truly unique. Its semi-round shape gives it depth and elegance. The Mezuzah is the perfect size to fit a mezuzah scroll. This Mezuzah is a perfect gift for any occasion.


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April 22 (Reuters) - Most Southeast Asian stock markets ended lower on Wednesday, dragged down by financials as optimism about China's easy monetary policy evaporated, with Thailand hitting its lowest in nearly two weeks on poor earnings results from banks.
Thai shares fell 1.1 percent and closed at their lowest since April 10, led by financials. Krung Thai Bank fell 6.1 percent a day after the country's second-largest lender reported a lower-than-expected first-quarter net profit on increased loan loss provisions. Energy shares also declined amid fall...
Also read: Markets Right Now: Tech, banks lead early losses for stocks
Read more


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East Caledonian Current
- Details
Waters from the South Equatorial Current (SEC), the northern branch of the South Pacific subtropical gyre, are a major supply of heat to the equatorial warm pool, and have an important contribution to climate variability and ENSO which motivated the Southwest PacIfic Ocean and Climate Experiment (SPICE, CLIVAR/WCRP). Initially a broad westward current extending from the equator to 30°S, the SEC splits upon arriving at the major islands and archipelagoes of Fiji (18°S, 180°E), Vanuatu (16°S, 168°E), and New Caledonia (22°S, 165°E), resulting in a complex system of western boundary currents and zonal jets that feed the Coral and Solomon Seas. We focus here on the formation of one specific jet feeding the Coral Sea, the North Caledonian Jet (NCJ). Using a combination of recent oceanographic cruises, we describe the ocean circulation to the northeast of New Caledonia, where the SEC forms a western boundary current that ultimately becomes the NCJ. This current, which we document for the first time and propose to refer to as the East Caledonian Current (ECC), has its core located 10 to 100 km off the east coast of New Caledonia, and extends vertically to at least 1000 m depth. Water mass properties show continuous westward transports through the ECC, from the SEC to the NCJ in both the South Pacific Tropical Waters in the thermocline and Antarctic Intermediate Waters near 700 m depth. The ECC extends about 100 km horizontally; its average 0-1000 m ECC transport was estimated at 14.5+/-3 Sv off the north tip of the New Caledonian reef, with a maximum of 20 Sv in May 2010. South of that, the upstream branch of the ECC east of the Loyalty is close to 8 Sv suggesting an important additional contribution from central Pacific waters carried by the SEC at 16°S and diverted to our region through the western boundary current system east of Vanuatu.
Hydrographic data, currents and transports east of New Caledonia. (Left) Hydrological station positions and Argo floats trajectories at 1000~m in the region of interest. Markers joined by lines indicate hydrological stations for each cruise (legend). Argo trajectories are indicated by the blue-purple curves. For best visibility, only Argo floats having a continuous trajectory along the SEC-ECC-NCJ pathways are shown. Fine continuous lines indicate the 500 m and 2000 m depth of the topography. The cruise trajectories are neither strictly straight nor perpendicular to the coast, and to facilitate comparisons we defined, in the following, a common axis which represents the distance perpendicular to the tilted east coast of NC. (Right) Topography, main water pathways and estimated transports from the present study. SEC = South Equatorial Current; ECC = East Caledonian Current; NCJ = North Caledonian Jet
Reference: Gasparin et al. 2011 (References)


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Ohio County Officials OK New Port Authority
Related Articles
- N.Y.-N.J. Port Authority Sets $450M Sale for Thursday. Phillips, Ted // Bond Buyer;4/16/2007, Vol. 360 Issue 32608, p44
The article reports on the plan of the Port Authority of New York and New Jersey to sell $450 million of tax-exempt bonds. It states that the port authority will use the proceeds of the sale to finance its capital program and refund some of its outstanding debt. It adds that the winning bidder...
- OHIO: Keeping Baseball in Akron. Devitt, Caitlin // Bond Buyer;10/17/2012, Vol. 382 Issue 33798, p7
The article informs that the Port authority in Akron and the Summit County, Ohio are planning to issue its tax-exempt debt of 3.5 million U.S. dollars as a part of a lease deal to keep the city's minor-league baseball team in the city stadium.
- Muni Market Set for New Issue Pricings. Barnett, Chip; Weitzman, Aaron // Bond Buyer;1/27/2016, Vol. 1 Issue 34450, p1
The municipal bond market is set for the start of the week's $5.42 billion new issue slate, which will be led off on Tuesday by the competitive sale from a Virginia issuer and a negotiated deal out of a New York City suburb.
- Toledo Port Authority in Closing Pact to Keep $3.5M Tax-Exempt. Temple-West, Patrick // Bond Buyer;5/17/2011, Vol. 376 Issue 33518, p3
The article reports on the closing agreement of the Toledo-Lucas Port Authority with the U.S. Internal Revenue Services to uphold the tax-exempt status for the 3.5 million dollars of bonds.
- S&P: Debt Financing of Infrastructure Could Hurt States' Credit. Watts, Jim // Bondbuyer.com;10/20/2015, p10
The article reports on the statement by Standard & Poor's Financial Services LLC that states need to maintain their credit quality in funding infrastructure through traditional tax-exempt debt financing in the U.S. as of October 20, 2015.
- Dayton-Area Authority Expected To Approve Deal for DHL Airport. Carvlin, Elizabeth // Bond Buyer;9/21/2004, Vol. 349 Issue 31973, p3
Reports on the plan of the Dayton-Montgomery County, Ohio, Port Authority to approve a resolution to issue multimillion-dollar tax-exempt bonds that will enable DHL to expand its airport operations in Clinton County. Terms of the deal; Statement of Michael DiPerna of Robert W. Baird Public...
- BANs a Boon for N.Y. MTA, Finance Official Says. Burton, Paul // Bond Buyer;1/27/2016, Vol. 1 Issue 34450, p1
Better transparency, among other benefits, drives New York Metropolitan Transportation Authority's aggressive bond anticipation note strategy, said one official.
- HRPT Nets $250M Credit Facility. Kellerhals, Richard // High Yield Report;5/4/2009, Vol. 20 Issue 18, p5
The article reports on a senior secured credit facility received by real estate investment trust HRPT Properties Trust from a bank consortium. The deal is worth 250 million U.S. dollars. The consortium was comprised of Citicorp North America, Morgan Stanley, Regions Bank and UBS while Bank of...
- Insured Sale Set for Port Of Oakland. Williams, Rochelle // Bond Buyer;7/18/2002, Vol. 341 Issue 31430, p1
Reports on the sale of revenue bonds for the Port of Oakland to retail investors and institutional investors in negotiated deal in California. Value of the revenue bonds; Approval of the deal by the port's board of commissioners; Uses of funds from the sale.


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Irvine, CA (PressExposure) July 19, 2008 -- Parenting can be one of the most rewarding occupations on earth, but it can also be one of the most stressful, panic-inducing and worrisome occupations, too. After all, if you mess up in your job, there are always other jobs out there. If you mess up when it comes to raising your kids, the consequences can be irreversible. But now there's a place for harried parents to go for reassurance and guidance, and that place is Stress-FreeParent.blogspot.com.
Theresa Schultz is a freelance writer and mother of three great kids. She decided to start Stress-FreeParent.blogspot.com because she was asked so often for advice on how to raise children in this hectic world. She shares her thoughts and ideas with readers in the calm, soothing, and reassuring way that is her trademark. She combines a genuine concern for parents and families everywhere with her common sense ideas for navigating the crazy, hectic and rewarding job that is parenting.
Here is a sample of things that have been said about Stress-FreeParent.blogspot.com.
- Such a simple and great idea yet so many parents seem to miss this. We just need to be more with them in the here and now. Your blog is so comforting for me! - Dorit S.
- You're so right. We parents often don't take time out and just "chill" with our children. We sure do miss out on enjoyable conversations that way. But we are NEVER too old to learn! - Lisa K.
- Great suggestion for just plain connecting with kids without any other motive. Once they know the connection is genuine, you'd be surprised what they'll tell you. - Sue B.
- Nice blog. This is a great focus. Parents are too busy these days and need all the help they can get. - Carma S.
- Hi, I like your blog and know from experience it is much needed for parents in all stages of parenting. Looking forward to reading more information and insight. - Terri F.
- Oh my - you captured so much in your last blog. I could relate to every word. - Judy F.


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Justin Bieber won't be liable for accidentally running his truck into a photographer.
Justin Bieber
Justin Bieber Sparks Rumors of Having Affairs
Justin Bieber sparks rumors of having affairs with three different girls and even a man in the previous years.
Justin Bieber Sparks New Couple Alert While Walking With A Model
Justin Bieber is spotted while walking his model friend, Ashley Moore.
Justin Bieber Explains Stains In His Pants
Justin Bieber explains the stains in his pants after meme surfaces online.
Justin Bieber Gives Coffee To Police
Justin Bieber gives coffee to Orange County Sheriff deputies during Saturday night.
Is Justin Bieber Planning To Skip 2017 Grammy Awards?
Justin Bieber is planning not to attend 2017 Grammy Awards.
Jutin Bieber Worked The Mitts In A Boxing Gym
Justin Bieber appeared to be punching a boxer in Van Nuys, California.
Justin Bieber's Quiet Afternoon With Some Fans
Justin Bieber was having a quiet afternoon and few good conversations.
Justin Bieber Surprisingly Punched A Fan In Barcelona
Justin Bieber surprisingly punched a fan after arriving by chauffeur-driven car for his concert at Palau Sant Jordi stadium on Tuesday night.
Justin Bieber Is Willing To Spend New Year's Eve With A Fan For $500K
A lucky fan will have the chance to be with Justin Bieber during New Year's Eve if you have a half million bucks to splash.
Justin Bieber Is Unhappy With Fans In U.K. Performance
Justin Bieber seemed unhappy during his performance in the UK.
Justin Bieber's Unusual Disguise In Amsterdam
Justin Bieber chose unusual disguise when he went out for a coffee on Friday.
Justin Bieber's Near-Assault In German Club
Justin Bieber had a near-assault incident in a German club.
Justin Bieber And Sofia Richie's Romance Is Over
Justin Bieber and Sofia Richie decided to end their one-month relationship and they moved on to meet other people.
Justin Bieber Rejects Fans' Requests For Selfies And Autographs
Justin Bieber would no longer allow fans to enjoy requesting for selfies and autographs.


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Stock Graphic >> Illustration - Barber Hair Clipper Scissors Circle 159393 by patrimonio @ CreativeMarket
File Size: 1.91 MB; Vector: Yes.
Illustration of a barber holding a hair clipper facing front looking up set inside circle done in retro woodcut linocut style on isolated background.
The zipped file includes editable vector EPS, hi-res JPG and PNG image.
Keywords: barber, clipper, hairdresser, worker, hair, haircut, cutter, man, male, isolated, illustration, artwork, graphics, retro, woodcut, linocut, woodblock, linoleum-block, engraving, wood-block.


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Oksana Mas's Art Installation 'Nations' Altar'
Price: admission free
Working hours: 4.30 a.m. - 10 p.m.
In summer 2011, Oksana Mas's famous art installation 'Nations' Altar' presented Ukraine at the prestigious Venetian biannual exhibition.
The unprecedented in its scale and design work of modern art is demonstrated in Eastern Europe for the first time. Five installation's fragments - 12-meter high and 18-meter wide - will be exhibited in Odesa. These are the same fragments that were exhibited in the San Fantin Church and presented Ukrainian project at the Venetian biannual exhibition in 2011.
As the prototype for the installation 'Nations' Altar' was chosen the project 'Post-vs-Proto-Renaissance' - the most unprecedented and large-scale project of the 54th Venetian biannual exhibition (2011), according to jury and press. Ukraine's project 'POST-VS-PROTO-RENESSANCE' was the leader in viewers' liking and the most discussed one in the world media.
Oksana Mas's work recreates the Ghent Altarpiece - the masterpiece of Renaissance epoch by van Eyck brothers. Altar consists of the separate egg-formed wooden elements, where human sins and fears, desires and complexes, dreams and heartwarming feelings are painted. Residents from over 42 countries took part in painting wooden parts: businessmen, politicians, diplomats, culture figures, from prisoners to monks, from children to retirees. Artist believes that everyone, who'll wish and try to understand this artwork, will undergo spiritual and ideological transformation.
Location - the Greek Square (opposite to cafe 'Kompot', facing Deribasovskaya Street).


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The new A3 is not a surprise as the car has been shown to the world on multiple occasions and all the journalists have even already driven the car. What is left is for Audi to put a sticker price on the car and that will happen on April 6, at the car's launch.
The new Audi A3 sees hardly any changes to the dimensions - 4.24 metres in length with a wheelbase of 2.60 metres - the new Audi A3 looks more purposeful than ever. Its Single frame grille features sharper lines and is broader, and its headlights are flatter, with distinctive outer contours.
Also Read: Audi confirms Q4 SUV for 2019 launch
Under the hood, it will get a 1.4-litre TFSI engine that puts out 150PS and 250 Nm of torque. A new 2.0-litre TFSI engine will also be offered and it generates 190PS and320 Nm of torque. A diesel mill will be introduced at a later stage.
The Audi A3 facelift will take on the Mercedes-Benz CLA, Volvo S60, BMW 3 Series, Honda Accord, Skoda Superb and also the Toyota Prius in India.
For more news from India Today, follow us on Twitter @indiatoday and on Facebook at facebook.com/IndiaToday
For news and videos in Hindi, go to AajTak.in. ताज़ातरीन ख़बरों और वीडियो के लिए आजतक.इन पर आएं.


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Discussion in 'Introduction Forum' started by Furdown1, Feb 18, 2014.
Hello from Utah! Don't know how I went so long without finding this joint!
What part?
I'm in north Ogden.
Welcome to the boards!
Howdy from Murray.
We drive to Javier's in Ogden just for chili verde and a night out.
Hello! I may be joining you in the Spanish Fork area. Yay... Not too excited about it, but work is work.
Javier's definitely has some good grub don't they!
Welcome to the forum.
Enjoy GT.................
welcome ...West Jordan here .... have fun
Greetings and welcome! Kent's shooters is close to you! Great guns and all things shootings sports.
Welcome to GlockTalk....
Is there a lot of open BLM type land around Utah Lake where you can just go out shooting on your own?
Kent's is about 2 miles down the road from me. Randy and Jeff are both great people.
There is quite a bit of BLM ground out west, but I'm not to familiar with that area out around Utah lake.


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12 CFR Appendix A to Part 203, Form and Instructions for Completion of HMDA Loan/Application Register
This report is required by law ( 12 U.S.C. 2801- 2810 12 CFR 203). An agency may not conduct or sponsor, and an organization is not required to respond to, a collection of information unless it displays a valid Office of Management and Budget (OMB) Control Number. See 12 CFR 203.1(a) for the valid OMB Control Numbers, applicable to this information collection. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing the burden, to the respective agencies and to OMB, Office of Information and Regulatory Affairs, Paperwork Reduction Project, Washington, DC 20503. Be sure to reference the applicable agency and the OMB Control Number, as found in 12 CFR 203.1(a), when submitting comments to OMB.
a. Enter an identifying loan number that can be used later to retrieve the loan or application file. It can be any number of your institution's choosing (not exceeding 25 characters). You may use letters, numerals, or a combination of both.
a. Enter the date the loan application was received by your institution by month, day, and year. If your institution normally records the date shown on the application form you may use that date instead. Enter "NA" for loans purchased by your institution. For paper submissions only, use numerals in the form MM/DD/CCYY (for example, 01/15/2003). For submissions in electronic form, the proper format is CCYYMMDD.
Indicate the type of loan or application by entering the applicable code from the following:
Indicate the property type by entering the applicable code from the following:
a. Use Code 1, not Code 3, for loans on individual condominium or cooperative units.
b. If you cannot determine (despite reasonable efforts to find out) whether the loan or application relates to a manufactured home, use Code 1.
Indicate the purpose of the loan or application by entering the applicable code from the following:
a. Do not report a refinancing if, under the loan agreement, you were unconditionally obligated to refinance the obligation, or you were obligated to refinance the obligation subject to conditions within the borrower's control.
Indicate whether the property to which the loan or loan application relates is to be owner-occupied as a principal residence by entering the applicable code from the following:
a. For purchased loans, use Code 1 unless the loan documents or application indicate that the property will not be owner-occupied as a principal residence.
b. Use Code 2 for second homes or vacation homes, as well as for rental properties.
c. Use Code 3 if the property to which the loan relates is a multifamily dwelling; is not located in an MSA; or is located in an MSA or an MD in which your institution has neither a home nor a branch office. Alternatively, at your institution's option, you may report the actual occupancy status, using Code 1 or 2 as applicable.
Enter the amount of the loan or application. Do not report loans below $500. Show the amount in thousands, rounding to the nearest thousand (round $500 up to the next $1,000). For example, a loan for $167,300 should be entered as 167 and one for $15,500 as 16.
a. For a home purchase loan that you originated, enter the principal amount of the loan.
b. For a home purchase loan that you purchased, enter the unpaid principal balance of the loan at the time of purchase.
c. For a home improvement loan, enter the entire amount of the loan - including unpaid finance charges if that is how such loans are recorded on your books - even if only a part of the proceeds is intended for home improvement.
d. If you opt to report home-equity lines of credit, report only the portion of the line intended for home improvement or home purchase.
e. For refinancings, indicate the total amount of the refinancing, including both the amount outstanding on the original loan and any amount of "new money."
f. For a loan application that was denied or withdrawn, enter the amount applied for.
8. Request for Preapproval of a Home Purchase Loan
Indicate whether the application or loan involved a request for preapproval of a home purchase loan by entering the applicable code from the following:
a. Enter code 2 if your institution has a covered preapproval program but the applicant does not request a preapproval.
b. Enter code 3 if your institution does not have a preapproval program as defined in § 203.2(b).
c. Enter code 3 for applications or loans for home improvement or refinancing, and for purchased loans.
Indicate the type of action taken on the application or loan by using one of the following codes.
a. Use Code 1 for a loan that is originated, including one resulting from a request for preapproval.
b. For a counteroffer (your offer to the applicant to make the loan on different terms or in a different amount from the terms or amount applied for), use Code 1 if the applicant accepts. Use Code 3 if the applicant turns down the counteroffer or does not respond.
c. Use Code 2 when the application is approved but the applicant (or the loan broker or correspondent) fails to respond to your notification of approval or your commitment letter within the specified time. Do not use this code for a preapproval request.
d. Use Code 4 only when the application is expressly withdrawn by the applicant before a credit decision is made. Do not use code 4 if a request for preapproval is withdrawn; preapproval requests that are withdrawn are not reported under HMDA.
e. Use Code 5 if you sent a written notice of incompleteness under § 202.9(c)(2) of Regulation B (Equal Credit Opportunity) and the applicant did not respond to your request for additional information within the period of time specified in your notice. Do not use this code for requests for preapproval that are incomplete; these preapproval requests are not reported under HMDA.
For paper submissions only, enter the date by month, day, and year, using numerals in the form MM/DD/CCYY (for example, 02/22/2003). For submissions in electronic form, the proper format is CCYYMMDD.
a. For loans originated, enter the settlement or closing date.
b. For loans purchased, enter the date of purchase by your institution.
c. For applications and preapprovals denied, applications and preapprovals approved but not accepted by the applicant, and files closed for incompleteness, enter the date that the action was taken by your institution or the date the notice was sent to the applicant.
d. For applications withdrawn, enter the date you received the applicant's express withdrawal, or enter the date shown on the notification from the applicant, in the case of a written withdrawal.
e. For preapprovals that lead to a loan origination, enter the date of the origination.
C. Property Location. Except as otherwise provided, enter in these columns the applicable codes for the MSA, or the MD if the MSA is divided into MDs, state, county, and census tract to indicate the location of the property to which a loan relates.
1. MSA or Metropolitan Division. For each loan or loan application, enter the MSA, or the MD number if the MSA is divided into MDs. MSA and MD boundaries are defined by OMB; use the boundaries that were in effect on January 1 of the calendar year for which you are reporting. A listing of MSAs and MDs is available from your supervisory agency or the FFIEC.
Use the Federal Information Processing Standard (FIPS) two-digit numerical code for the state and the three-digit numerical code for the county. These codes are available from your supervisory agency or the FFIEC.
3. Census Tract. Indicate the census tract where the property is located. Notwithstanding paragraph 6, if the property is located in a county with a population of 30,000 or less in the 2000 Census, enter "NA" (even if the population has increased above 30,000 since 2000), or enter the census tract number. County population data can be obtained from the U.S. Census Bureau.
4. Census Tract Number. For the census tract number, consult the resources provided by the U.S. Census Bureau or the FFIEC.
5. Property Located Outside MSAs or Metropolitan Divisions. For loans on property located outside the MSAs and MDs in which an institution has a home or branch office, or for property located outside of any MSA or MD, the institution may choose one of the following two options. Under option one, the institution may enter the MSA or MD, state and county codes and the census tract number; and if the property is not located in any MSA or MD, it may enter "NA" in the MSA or MD column. (Codes exist for all states and counties and numbers exist for all census tracts.) Under this first option, the codes and census tract number must accurately identify the property location. Under the second option, which is not available if paragraph 6 applies, an institution may enter "NA" in all four columns, whether or not the codes or numbers exist for the property location.
6. Data Reporting for Banks and Savings Associations Required to Report Data on Small Business, Small Farm, and Community Development Lending Under the CRA Regulations. If your institution is a bank or savings association that is required to report data under the regulations that implement the CRA, you must enter the property location on your HMDA/LAR even if the property is outside the MSAs or MDs in which you have a home or branch office, or is not located in any MSA.
Notwithstanding paragraphs 1 through 6, if the application is a request for preapproval that is denied or that is approved but not accepted by the applicant, you may enter "NA" in all four columns.
Appendix B contains instructions for the collection of data on ethnicity, race, and sex, and also contains a sample form for data collection.
Report this information for loans that you originate as well as for applications that do not result in an origination.
a. You need not collect or report this information for loans purchased. If you choose not to, use the Codes for "not applicable."
b. If the borrower or applicant is not a natural person (a corporation or partnership, for example), use the Codes for "not applicable."
2. Mail, Internet, or Telephone Applications. All loan applications, including applications taken by mail, Internet, or telephone must use a collection form similar to that shown in appendix B regarding ethnicity, race, and sex. For applications taken by telephone, the information in the collection form must be stated orally by the lender, except for information that pertains uniquely to applications taken in writing. If the applicant does not provide these data in an application taken by mail or telephone or on the Internet, enter the code for "information not provided by applicant in mail, Internet, or telephone application" specified in paragraphs I.D.3., 4., and 5. of this appendix. (See appendix B for complete information on the collection of these data in mail, Internet, or telephone applications.)
Use the following codes to indicate the ethnicity of the applicant or borrower under column "A" and of any co-applicant or co-borrower under column "CA."
Use the following Codes to indicate the race of the applicant or borrower under column "A" and of any co-applicant or co-borrower under column "CA."
a. If an applicant select more than one racial designation, enter all Codes corresponding to the applicant's selections.
b. Use code 4 (for ethnicity) and code 7 (for race) for "not applicable" only when the applicant or co-applicant is not a natural person or when applicant or co-applicant information is unavailable because the loan has been purchased by your institution.
c. If there is more than one co-applicant, provide the required information only for the first co-applicant listed on the application form. If there are no co-applicants or co-borrowers, use Code 5 (for ethnicity) and Code 8 (for race) for "no co-applicant" in the co-applicant column.
Use the following Codes to indicate the sex of the applicant or borrower under column "A" and of any co-applicant or co-borrower under column "CA."
a. Use code 4 for "not applicable" only when the applicant or co-applicant is not a natural person or when applicant or co-applicant information is unavailable because the loan has been purchased by your institution.
b. If there is more than one co-applicant, provide the required information only for the first co-applicant listed on the application form. If there are no co-applicants or co-borrowers, use Code 5 for "no co-applicant" in the co-applicant column.
Enter the gross annual income that your institution relied on in making the credit decision.
a. Round all dollar amounts to the nearest thousand (round $500 up to the next $1,000), and show in thousands. For example, report $35,500 as 36.
b. For loans on multifamily dwellings, enter "NA."
c. If no income information is asked for or relied on in the credit decision, enter "NA."
d. If the applicant or co-applicant is not a natural person or the applicant or co-applicant information is unavailable because the loan has been purchased by your institution, enter "NA."
Enter the applicable code to indicate whether a loan that your institution originated or purchased was then sold to a secondary market entity within the same calendar year:
a. Use Code 0 for applications that were denied, withdrawn, or approved but not accepted by the applicant; and for files closed for incompleteness.
b. Use Code 0 if you originated or purchased a loan and did not sell it during that same calendar year. If you sell the loan in a succeeding year, you need not report the sale.
c. Use Code 2 if you conditionally assign a loan to Ginnie Mae in connection with a mortgage-backed security transaction.
d. Use Code 8 for loans sold to an institution affiliated with you, such as your subsidiary or a subsidiary of your parent corporation.
1. You may report the reason for denial, and you may indicate up to three reasons, using the following codes. Leave this column blank if the "action taken" on the application is not a denial. For example, do not complete this column if the application was withdrawn or the file was closed for incompleteness.
2. If your institution uses the model form for adverse action contained in the Appendix to Regulation B (Form C-1 in Appendix C, Sample Notification Form), use the foregoing codes as follows:
a. Code 1 for: Income insufficient for amount of credit requested, and Excessive obligations in relation to income.
b. Code 2 for: Temporary or irregular employment, and Length of employment.
c. Code 3 for: Insufficient number of credit references provided; Unacceptable type of credit references provided; No credit file; Limited credit experience; Poor credit performance with us; Delinquent past or present credit obligations with others; Garnishment, attachment, foreclosure, repossession, collection action, or judgment; and Bankruptcy.
d. Code 4 for: Value or type of collateral not sufficient.
e. Code 6 for: Unable to verify credit references; Unable to verify employment; Unable to verify income; and Unable to verify residence.
f. Code 7 for: Credit application incomplete.
g. Code 9 for: Length of residence; Temporary residence; and Other reasons specified on notice.
1. Rate Spread
a. For a home-purchase loan, a refinancing, or a dwelling-secured home improvement loan that you originated, report the spread between the annual percentage rate (APR) and the average prime offer rate for a comparable transaction if the spread is equal to or greater than 1.5 percentage points for first-lien loans or 3.5 percentage points for subordinate-lien loans. To determine whether the rate spread meets this threshold, use the average prime offer rate in effect for the type of transaction as of the date the interest rate was set, and use the APR for the loan, as calculated and disclosed to the consumer under § 226.6 or 226.18, as applicable, of Regulation Z ( 12 CFR part 226). Current and historic average prime offer rates are set forth in the tables published on the FFIEC's Web site (http://www.ffiec.gov/hmda) entitled "Average Prime Offer Rates - Fixed" and "Average Prime Offer Rates - Adjustable." Use the most recently available average prime offer rate. "Most recently available" means the average prime offer rate set forth in the applicable table with the most recent effective date as of the date the interest rate was set. Do not use an average prime offer rate before its effective date.
b. If the loan is not subject to Regulation Z, or is a home improvement loan that is not dwelling-secured, or is a loan that you purchased, enter "NA."
c. Enter "NA" in the case of an application that does not result in a loan origination.
d. Enter the rate spread to two decimal places, and use a leading zero. For example, enter 03.29. If the difference between the APR and the average prime offer rate is a figure with more than two decimal places, round the figure or truncate the digits beyond two decimal places.
e. If the difference between the APR and the average prime offer rate is less than 1.5 percentage points for a first-lien loan and less than 3.5 percentage points for a subordinate-lien loan, enter "NA."
2. Date the interest rate was set. The relevant date to use to determine the average prime offer rate for a comparable transaction is the date on which the loan's interest rate was set by the financial institution for the final time before closing. If an interest rate is set pursuant to a "lock-in" agreement between the lender and the borrower, then the date on which the agreement fixes the interest rate is the date the rate was set. If a rate is re-set after a lock-in agreement is executed (for example, because the borrower exercises a float-down option or the agreement expires), then the relevant date is the date the rate is re-set for the final time before closing. If no lock-in agreement is executed, then the relevant date is the date on which the institution sets the rate for the final time before closing.
a. For a loan that you originated or purchased that is subject to the Home Ownership and Equity Protection Act of 1994 (HOEPA), as implemented in Regulation Z ( 12 CFR 226.32), because the APR or the points and fees on the loan exceed the HOEPA triggers, enter Code 1.
b. Enter code 2 in all other cases. For example, enter code 2 for a loan that you originated or purchased that is not subject to the requirements of HOEPA for any reason; also enter code 2 in the case of an application that does not result in a loan origination.
Use the following codes for loans that you originate and for applications that do not result in an origination:
a. Use Codes 1 through 3 for loans that you originate, as well as for applications that do not result in an origination (applications that are approved but not accepted, denied, withdrawn, or closed for incompleteness).
b. Use Code 4 for loans that you purchase.
A. You are strongly encouraged to submit your loan/application register via Internet e-mail. If you elect to use this method of transmission and your institution is regulated by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the National Credit Union Administration, or the Office of Thrift Supervision, then you should submit your institution's files to the Internet e-mail address dedicated to that purpose by the Federal Reserve Board, which can be found on the Web site of the FFIEC. If your institution is regulated by one of the foregoing agencies and you elect to submit your data by regular mail, then use the following address: HMDA, Federal Reserve Board, Attention: HMDA Processing, (insert name of your institution's regulatory agency), 20th & Constitution Ave, NW., MS N502, Washington, DC 20551-0001.
B. If your institution is regulated by the Federal Reserve System, you should use the Internet e-mail or regular mail address of your district bank indicated on the Web site of the FFIEC. If your institution is regulated by the Department of Housing and Urban Development, then you should use the Internet e-mail or regular mail address indicated on the Web site of the FFIEC.
Title 12 published on 17-Jun-2017 04:33
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 12 CFR Part 203 after this date.


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P.S. 161's On the Cutting Edge
Not shying away from the fast-paced technological era that our children are growing up in, P.S. 161 is jumping right in with their very own 3D printer and even a dedicated school app, available for download from the Apple App Store and Google Play!
These developments, along with P.S. 161's resolute passion to nurture healthy, academically gifted students in preparation for their roles as responsible citizens of our world, are a perfect complement to Skoolbo's dream of literacy and numeracy for all through technology. Just recently, P.S. 161 has entered the illustrious ranks of less than 20 Super Schools who have answered over 1 million questions on Skoolbo. Way to go!
You can find The Crown School right in the heart of Brooklyn, New York.
A special shout out goes to Carlos Varas, P.S. 161's talented Technology Manager, for implementing Skoolbo for over 400 students at The Crown School!


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On her way, Amelia rescues young Evelyn Barton-Forbes, who has been "ruined" and abandoned on the streets of Rome by her rascally lover. With a typical disregard for convention, Amelia promptly hires her fellow countrywoman as a companion and takes her to Cairo.
Eluding Alberto, Evelyn's former lover, who wants her back, and Evelyn's cousin, Lord Ellesmere, who wishes to marry her, the two women sail up the Nile. They disembark at an archaeological site run by the Emerson brothers - the irascible, but dashing, Radcliffe and the amiable Walter. Soon their little party is increased by one - one mummy, that is, and a singularly lively example of the species. Strange visitations, suspicious accidents, and a botched kidnapping convince Amelia that there is a plot afoot to harm Evelyn.
Don't miss the rest of the Amelia Peabody series.
©1975 Elizabeth Peters; (P)2002 Blackstone Audiobooks
"The indomitable Amelia Peabody carries the listener along as easily as she carries her umbrella." (AudioFile)
"Crocodile on the Sandbank"
This is a wonderful book. There is a problem, however. Barbara Rosenblatt should be the narrator. She was the first voice to give life to Amelia Peabody. To listen to another, less talented reader, who gives very little differentiation to the characters is very unsatisfying.
I prefer a reader who is easy to listen to. This means I don't have to listen with such utter intensity to differentiate one character from another. Barbara Rosenblatt is so good at this that listening to her is a relaxing experience. One immediately knows Amelia and her wonderful British womanness from her husband Emerson or her son Ramses.
Get Barbara Rosenblatt as the narrator!
"Have always loved Amelia (but not ms o'malley)"
I, too, am familiar with both readers of these stories. And I've ordered other books she narrated before I realised that I really don't enjoy her reading voice.
As for Amelia, it may seem that she bashes men, but she is highly intelligent in an era when women were expected to be stupid. When mem treat her like an idiot, she tends to reciprocate in kind. When she is in the company of men who don't patronize her, she meets them as equals... which doesn't mean she doesn't argue with them, just that the arguements aren't one sided.
I greatly enjoyed the Egyptology involved in the books, the more so since Peters has a degree (can't remember if it's masters or doctoral) in Egyptology. She is also Barbara Michaels, many of who's books are also available here, if you prefer a contemporary setting.
"light fiction that doesn't insult reader"
Thank you, Audible, for the "addictive series" starter sale! I had given up on finding a series of light historical fiction to leaven my listening diet after trying many, including Stephanie Barron, Lauren Willing, Ken Follett, Amanda Quick, etc. In those cases, one was enough, and in other cases, books were either painfully written with boring charaters; others approached softcore porn. $4.95 tempted me to try again--to me, Amelia Peabody is a winner.
Although the plot was predictable, "Croc on the Sandbank" had good dialogue with, as advertised, an "indomitable" heroine. Both features are strong enough to make a listener smile and escape 21st century for a few hours respite. It's not primarily a "whodunnit" as much as Mary Poppins for adults. One drawback: although the narrator seemed very capable and the voice in this novel would be appropriate for Dorothy Parker or a 1920s American flapper, O'Malley's un-British accent was out of place for Amelia Peabody. I will download other titles in the series, but with Rosenblat as narrator. (And I would download other books narrated by Susan O'Malley, as long as she is not speaking for a late Victorian force of nature.)
So - if you are buying with a credit, I'd strongly recommend the more expensive Rosenblat version of "Croc" - otherwise the regular price of the O'Malley version makes that one more attractive, as long as you aren't thrown by the absence of a Brit accent for Amelia and friends.
"It just doesn't get any better than this."
This is the first novel to feature Ms. Peters's Egyptological heroine, Amelia Peabody. It is truly delightful. Although it introduces a recurring character, this book is a treat on it's own--you don't have to commit to the whole series in order to enjoy it (although after you enjoy it, you will be unable to resist the next one.... and the next....). If you like mystery, romance, adventure, and/or humor, you cannot do better than this book. Nor can I imagine a better narrator for the book than Susan O'Malley. The pacing is excellent, the reading is clear, the characters' voices are distinct without being annoying, and the humor of the writing comes through perfectly.
Elizabeth Peters is a fine writer whose books are smart, funny, well-structured, and beautifully written. Her best books (like those of Georgette Heyer, Mary Stewart, Dorothy Sayers, and a handful of others) follow in the steps of P.G. Wodehouse and Jane Austen, proving that reading can be light and enjoyable without sacrificing quality or even delicate social satire. And this book is indisputably one of her best.
"I have to agree with the Barbara Rosenblat fans!"
This is one of my favorite books and I have read it over a dozen times. It's a classic - adventure, mystery, humor and wonderful dialogue. Having heard both of the book's narrators (Barbara Rosenblat and Susan O'Malley) and I have to agree - search AUDIBLE until you find Barbara Rosenblat's reading - that goes for all of the books in this series.
This is one of the best books I have listened to in years. It was my first Elizabeth Peters book. I started with this one to see if I would enjoy the Amelia Peabody series. Obviously, I can hardly wait to hear more. I was a bit hesitant to pick this one after reading the negative reviews of the narrator, but I personally thought she was outstanding. The characters in this book are superb and the ending extremely satisfying. Thank you Ms. Peters!
"Delightful to listen to!"
I love Elizabeth Peters! I remember when this book first came out. It begged to be read aloud! This is great romantic suspense and also has lots of interesting facts about Ancient Egypt!
"I agree with Morgan from Philadelphia"
I had assumed that the reader would be Barbara Rosenblat, who is the perfect voice for this series. Only after purchasing did I find out that it had a different narrator. While Susan O'Malley is fine, she just can't much Barbara, and I'm very disappointed and will have to track down the version by Barbara Rosenblat elsewhere.
These are fun, fun books. I can't think of other series like these -- Egyptology, Victorian Romance, mystery.
I'm disappointed.
"Fantastic, funny cozy/mystery."
Elizabeth Peters is an incredible writer. Her humor and dry wit, along with her finesse with the english language, combine to make a wonderful character, Amelia Peabody, and her adventures with her fellow characters are fun and a great adventure. I read the entire series, years ago, and decided to go back and enjoy them again. I got this one first, of course, and was very impressed with the narrator, not to mention the story. Amelia Peabody is an independent, confident, strong-willed woman, with a heart and soul of delicate flower. She is fantastic, and I won't reveal any of the plot, but you'll love the ending...!
"Okay book-bad narrator"
I am getting to enjoy this series more with each successive book. I recommend to anyone disappointed in the flimsy plot of this one to continue on to the next book in the series. This one was more like a primer-introducing characters and eqypt. The next book is much more solid in its storytelling. Give 'em another chance!
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text:
Lani joins us again to discuss the aftermath of the For Love Or Magic launch, and to share some advice on surviving the process, and getting back to work.
Download the mp3 here, or subscribe to the show on iTunes, on Stitcher, via RSS or on YouTube.
Show notes:
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text: When Jools Trevaller's parents announce that the city is becoming too dangerous and that they're moving to a rundown former staging inn in the small town of Waterloo Creek, Jools is furious. But the house is already occupied by the ghost of a girl called Elly Lockett, who died mysteriously in the nineteenth century. Only Jools can see Elly, and they form a strong friendship as they seek to understand exactly how and why Elly died and where her body lies. Neither realises that once the mystery is solved, they'll be parted forever.