text:
Source: Dshort.com
Monday, August 31, 2009
Chart Comparison of Four Bear Markets
Source: Dshort.com
Chart Comparison of Four Bear Markets
Sunday, August 30, 2009
Moody's Downgrades Detroit $781M GO Debt Further Into Junk
This is DV's annual review of Detroit. Read Distressed Detroit on July 12, 2008 where I looked at the city's 2006 CAFR. On August 21, 2009 Moody's PFG (U.S Public Finance Group) downgraded $781 million General Obligation debt further into junk ($491 million GO unlimited Debt to Ba3 from Ba2 and $290 million GO limited debt to B1 from Ba3). Go here for the ratings scale. These June 30, 2007 numbers are prehistoric! On June 30, 2007 things were just getting started; the credit crisis, global recession, GM and Chrysler bankruptcies, 28.9% Detroit unemployment rate, -25% YoY housing prices (Detroit/Las Vegas were the only cities that saw housing price declines in July) and a corrupt local Government. It is all catching up now.
"Charles Beckham, Bing's chief administrative officer, said the city is operating with a $60-million to $80-million cash shortage -- one that could implode come October -- on top of the $275-million to $300-million overall deficit." (Freep, Aug 25)
Review of City of Detroit 2007 CAFR (PDF or ci.detroit.mi.us)
- General Fund Rev-Exp with transfers $15 million (slide 4)
- Total Government Funds Rev-Exp w/ transfers -$16 million (5)
- Total Government Fund Balance Down 65% ($456M to $157M) from 2003 (6)
- Using RANs and TANs for short term cash flow needs ($129.3 Million) (3)
- Net Cash & Investments $153M - Short Loan Payables $129M = Net Cash $23.7M (Moody's) (2,3)
- Net Cash: '01 = 38M, '02 = 59M, '03 = 121.6M, '04 = 101M, '05 = 59.4M, '06 = 30.3M
- Total General Fund Deficit -91M, improved 14% from -107M (still a deficit since '05) (1)
- From General Fund $70M transferred to Transportation, $67M to Debt Service Fund
- Swap agreement amended but termination would owe $400M to counterparties (p.22)
- Principal property tax payers in 2007: Chrysler, Detroit Edison, GM, MGM Grand, American Axle
(1) General Fund Reserved and Unreserved Balance Trend
(2) General Fund Assets FY 2007
(3) General Fund Liabilities FY 2007
(4) General Fund Rev-Ex FY 2007
(5) Total Governmental Fund Balance Trend (Rev-Ex)
(6) Total Gov Fund Balance: Transfers In/Out, Ending Balance Trend
Moody's Downgrades Detroit $781M GO Debt Further Into Junk
StockTwits Rings Closing Bell at NASDAQ! (Video)
StockTwits Rings Closing Bell at NASDAQ! (Video)
Saturday, August 29, 2009
RenTec's James Simons Stony Brook Interview Video, Other Interview Links
More articles on James Simons:
Simon's Doesn't Say: Meet The Man Whose 1990s Returns Are Better Than George Soros (Financial World 1996 PDF)
The Secret World of Jim Simons (Institutional Investor, Nov 2000)
Interview with James Simons: The billionaire hedge fund manager discusses the impact of mathematics on his former life in academia and his new one in finance. (Seed Magazine 2006)
Btw, Zero Hedge has interesting posts about RenTec, Renaissance.
RenTec's James Simons Stony Brook Interview Video, Other Interview Links
SPY Is Defying Gravity For Now (Aug S&P ETF 3 Year Chart)
Technicals: SPY broke above the 38.2% Fibonacci retracement level and is right around the pre-Lehman break down in 2008. It might want to fill that gap. If SPY gets another steroid injection with year end fundamental support, the 50% retracement level 109 is not out of the question and eventually the 61.8% retracement / 3 year downtrend resistance level around 120. Looking at a previous post about the 1929-30 bear market rally the Dow rallied hard and retraced 50% of its losses before selling off (not saying that is a definite comparable). Get ready for September folks.
SPY Is Defying Gravity For Now (Aug S&P ETF 3 Year Chart)
Friday, August 28, 2009
Distressed Volatility Clears 11,000 Page Views In August!
Distressed Volatility Clears 11,000 Page Views In August!
GLD Call Options Active at Dec, March $100 Strike
Watch GLD stream
GLD MAR '010 Option Chain (Courtesy of Yahoo Finance)
Posts on SPDR GLD:
John Paulson Keeps GLD Investment, Watching Symmetrical Triangle (August 13)
GLD Trade Setting Up Here + UUP, AUDJPY Pre FOMC (August 12)
Paulson Buys GLD, GDX (May 20)
GLD Call Options Active at Dec, March $100 Strike
FDIC 2nd Quarter Results (Sheila Bair Presentation Video, Slides)
Source: FDIC.gov Press Releases
Statement by FDIC Chairman Sheila Bair at the Quarterly Banking Profile Press Conference
August 27, 2009
Good morning everybody, and welcome to our briefing on industry results for the second quarter.
We've all seen the good news that has come out on the economy in the past few weeks. While challenges remain, evidence is building that the American economy is starting to grow again. But no matter how challenging the environment ... the FDIC has ample resources to continue protecting insured depositors as we have for the last 75 years. No insured depositor has ever lost a penny of insured deposits ... and no one ever will.
One of the themes of today's quarterly profile is that banking industry performance is -- as always -- a lagging indicator. The banking industry, too, can look forward to better times ahead. But, for now, the difficult and necessary process of recognizing loan losses and cleaning up balance sheets continues to be reflected in the industry's bottom line.
Insured institutions posted a $3.7 billion net loss in the second quarter. As this first chart shows, they earned $424 million in net operating income. But one-time losses and other items totaling $4.1 billion pulled the overall results into negative territory.
Positive net operating income was achieved even after a special assessment of about five and a half billion dollars to bolster the Deposit Insurance Fund.
Higher provisions push earnings lower
As this next chart shows, deteriorating loan quality is having the greatest impact on industry earnings, as insured institutions continue to set aside reserves to cover loan losses.
Of all the major earnings components, the amount that insured institutions added to their reserves for loan losses was, by far, the largest drag on industry earnings compared to a year ago. As you can see, loss provisions were $16.5 billion higher than a year ago. In all, banks and thrifts set aside $67 billion to cover bad loans in the second quarter.
Other factors that weighed on earnings included expenses stemming from write-downs of asset-backed commercial paper, which increased extraordinary losses ... and higher deposit insurance premiums. (Absent these premiums, non-interest expense would have declined, reflecting banks' efforts to cut costs.)
The upward trend in loan-loss provisions dates back to the second half of 2006. But while the early losses were related to residential loans and complex mortgage-related assets ... where the crisis really began ... we're now seeing problems with more conventional types of retail and commercial loans that have been hit hard by the recession.
This chart shows how loss provisions have grown as a share of the industry's net revenues.
In the second quarter, loss provisions were 10 times what they were three years ago. The obvious reason for this is the ongoing need to bolster reserves in the face of rising levels of troubled loans. These credit problems will outlast the recession by at least a couple of quarters.
Problem loans still increasing
This chart shows the amount of loans that have been written off each quarter (that's the blue segment) ... as well as the quarterly change in the amount of non-current loans remaining on banks' balance sheets (that's the red segment).
The chart shows that both charge-offs and non-current loan levels are still rising. The continued growth in these categories lifted the net charge-off rate and the non-current loan rate to historic highs in the second quarter. And as you can see from this next chart, the gap has also been growing between the level of non-current loans (that's the green line) ... and the industry's reserves (that's the blue line).
This widening gap is driving the high loss provisions. And it's the reason that we expect provisions to remain at elevated levels for some time.
Areas of improvement
Not all of the news in the second quarter was bad. While total non-current loans and net charge-offs continued to rise, the increase was smaller than in the first quarter. Also, non-current home equity and junior lien mortgages declined for the first time in six quarters. And the volume of loans that were 30 to 89 days past due, fell across all major loan categories.
Are these signs of a turning point in asset quality? This may turn out to be the case. But we're going to need another quarter or two to confirm a trend.
Another positive during the quarter was an improvement in net interest margins for community banks as well as for larger institutions. This is good news for community banks, since three-fourths of their revenues come from net interest income.
In many important respects, financial markets are returning to normal. Combined with the positive economic news in recent weeks, we're hopeful that this will lead to a moderation in credit problems in coming quarters. But, as our report shows, cleaning up balance sheets is a painful process that takes time. This process is absolutely necessary in order to restore the industry's profitability, and to strengthen its capacity to lend to businesses and consumers.
Problem list grows
As banks and thrifts continue cleaning up their balance sheets, more are coming onto our problem list. The number rose during the quarter to 416. This chart shows the trend since the Problem List hit an historic low in 2006, when bank profits were at record highs. Although the number continues to increase, it's still well below the levels seen during the last crisis.
As you know, the number of failures is also up. There have been 81 so far this year. We expect the numbers of problem banks and failures will remain elevated, even as the economy begins to recover. (Problem banks and bank failures also tend to be lagging economic indicators.)
DIF update
Now let me turn to how failures are affecting the Deposit Insurance Fund, or the DIF. First: failures cost money. And the costs are charged to the DIF. But one thing that you should know is that the DIF balance has already been adjusted downward for the cost of failures that are expected to occur over the next year. Just as banks set aside reserves for loan losses, we set aside reserves for anticipated bank failures.
Our total reserves -- consisting of both the DIF balance and a contingent loss reserve -- are available to absorb losses. The DIF balance reflects the net worth of the insurance fund. It's also a guide for setting deposit insurance premiums for our industry-funded system. So when a bank fails, to the extent that we have already reserved for a failure, the loss comes out of the contingent loss reserve. For example, when Colonial Bank failed two weeks ago ... there was no reduction in the fund because the estimated loss had already been reserved for.
We review the adequacy of the contingent loss reserve every quarter, and make adjustments as warranted. As illustrated in this chart, we have been shifting large sums to the contingent loss reserve as our failure projections have grown. The total reserves are now over $42 billion.
FDIC resources run deep
Our total reserves should be distinguished from the cash resources at our disposal to protect depositors. As this last chart shows ... our sources of liquidity to protect depositors in future failures include not only the $22 billion of cash and Treasury securities held by the DIF as of June 30, but also the ability to borrow up to $500 billion from the Treasury. To sum up, a decline in the fund balance does NOT diminish our ability to protect insured depositors.
The FDIC was created specifically for times such as these. Our resources are strong. Your insured deposits are safe. And again, no insured depositor has ever lost a penny of insured deposits ... and no one ever will. Thank you very much.
FDIC 2nd Quarter Results (Sheila Bair Presentation Video, Slides)
Thursday, August 27, 2009
Bearish Butterfly Put Strategy on FXI - China 25 Index ETF
Bearish Butterfly Put Strategy on FXI - China 25 Index ETF
Wednesday, August 26, 2009
October VIX Future Trading at Big Premium To Cash, VXX
- 8/25- 80,000 Nov 40 Calls financed by a 20,000 Nov 25-27 strangle for 0.75
- 8/25- 20,000 Sep 35 Calls for 0.65, then trader asked the crowd a quote on 150k, wtf?
- 8/20- 50,000 Oct 37.50 for 1.55
Economist WalStreetPro On The $9 Trillion Projected Fiscal Deficit
ht zero hedge
Economist WalStreetPro On The $9 Trillion Projected Fiscal Deficit
AAR August Weekly Rail Traffic Report + Monthly Indicators Video, $IYT
Michael Moore Takes On Capitalism (Trailer)
Michael Moore Takes On Capitalism (Trailer)
Prechter: S&P Will Break 2009 Lows, Likes Dollar Not Commodities
Prechter: S&P Will Break 2009 Lows, Likes Dollar Not Commodities
Tuesday, August 25, 2009
QQQQ: 441,000 September $38 Puts Open, Watch $40 Support
QQQQ: 441,000 September $38 Puts Open, Watch $40 Support
Obama Reappoints Bernanke As Fed Chairman (Video, Transcript)
Office of the Press Secretary
For Immediate Release August 25, 2009
Oak Bluffs School Filing Center
Oak Bluffs, Massachusetts
THE PRESIDENT: Good morning, everybody. I apologize for interrupting the relaxing that I told all of you to do, but I have an important announcement to make concerning the Federal Reserve.
The man next to me, Ben Bernanke, has led the Fed through one of the worst financial crises that this nation and the world has ever faced. As an expert on the causes of the Great Depression, I'm sure Ben never imagined that he would be part of a team responsible for preventing another. But because of his background, his temperament, his courage, and his creativity, that's exactly what he has helped to achieve. And that is why I am re-appointing him to another term as Chairman of the Federal Reserve.
Ben approached a financial system on the verge of collapse with calm and wisdom; with bold action and out-of-the-box thinking that has helped put the brakes on our economic freefall. Almost none of the decisions that he or any of us made have been easy. The actions we've taken to stabilize our financial system, to repair our credit markets, restructure our auto industry, and pass a recovery package have all been steps of necessity, not choice. They've faced plenty of critics, some of whom argued that we should stay the course or do nothing at all. But taken together, this "bold, persistent experimentation" has brought our economy back from the brink. They're steps that are working. Our recovery plan has put tax cuts in people's pockets, extended health care and unemployment insurance to those who have borne the brunt of this recession, and is continuing to save and create jobs that otherwise would have been lost. Our auto industry is showing signs of life. Business investment is showing signs of stabilizing. Our housing market and credit markets have been saved from collapse.
Of course, as I've said before, we are a long way away from completely healthy financial systems and a full economic recovery. And I will not let up until those Americans who are looking for jobs can find them; until qualified businesses, large and small, who need capital to grow can find loans at a rate they can afford; and until all responsible mortgage-holders can stay in their homes. That's why we need Ben Bernanke to continue the work he's doing, and that's why I've said that we cannot go back to an economy based on overleveraged banks, inflated profits, and maxed-out credit cards.
For even as we've taken steps to rescue our financial system and our economy, we must now work to rebuild a new foundation for growth and prosperity. We have to build an economy that works for every American, and one that leads the world in innovation, in investments, and in experts -- exports.
Part of that foundation has to be a financial regulatory system that ensures we never face a crisis like this again. We've already seen how lax enforcement and weak regulation can lead to enormous wealth for a few and enormous pain for everybody else. And that's why even though there is some resistance on Wall Street from those who would prefer to keep things the way they are, we will pass the reforms necessary to protect consumers, investors, and the entire financial system. And we will continue to maintain a strong and independent Federal Reserve.
We will also keep working towards the reform of a health insurance system whose costs and discriminatory practices are bankrupting our families, our businesses, and our government. We will continue to build a clean energy economy that creates the jobs and industries of the future within our borders. And we will give our children and our workers the skills and training they need to compete for these jobs in the 21st century.
Much like the decisions we've made so far, the steps we take to build this new foundation will not be easy. Change never is. As Ben and I both know, it comes with debate and disagreement and resistance from those who prefer the status quo. And that's all right, because that's how democracy is supposed to work. But no matter how difficult change is, we will pursue it relentlessly because it is absolutely necessary to lift this country up and create an economy that leads to good jobs, broad growth, and a future our children can count on. That's what we're here to do, and that's what we will continue to do in the months ahead. So I want to congratulate Ben on the work that he's done so far, wish him continued success in the hard work that he has before him. Thank you so much, Ben.
CHAIRMAN BERNANKE: Thank you, Mr. President. I'd like to express my gratitude to President Obama for the confidence he's shown in me with this nomination, and for his unwavering support for a strong and independent Federal Reserve.
It has been a particular privilege for me to serve with the extraordinary colleagues throughout the Federal Reserve System. They have demonstrated remarkable resourcefulness, dedication, and stamina under trying conditions. Through the long nights and weekends and the time away from their families, they have never lost sight of the critical importance of the work of the Fed for the economic well-being of all Americans. I am deeply grateful for their efforts.
I especially want to thank my own family -- my wife Anna and our children, Joel and Alyssa. Without their support and sacrifice, I could not undertake this task.
The Federal Reserve, like other economic policymakers, has been challenged by the unprecedented events of the past few years. We have been bold or deliberate as circumstances demanded, but our objective remains constant: to restore a more stable financial and economic environment in which opportunity can again flourish and in which Americans' hard work and creativity can receive their proper rewards.
Mr. President, I commit today to you and to the American people that, if confirmed by the Senate, I will work to the utmost of my abilities -- with my colleagues at the Federal Reserve and alongside the Congress and the administration -- to help provide a solid foundation for growth and prosperity in an environment of price stability.
Thank you, sir.
THE PRESIDENT: Thank you. Great job.
CHAIRMAN BERNANKE: Thank you.
Source: Whitehouse.gov
TABB Group's Sussman on High Frequency Trading
TABB Group's Sussman on High Frequency Trading
Is Dark Pool Trading Transparent? (TABB Group Presentation)
"The algorithm works in two modes, 'stealth' and 'dark'. Under stealth mode, it seeks liquidity while avoiding signalling risk. Dark mode enables the algorithm to make either a portion or the entire balance of an order available for non-displayed crossing using SIGMA as a trader-defined benchmark."
"The Sonar algorithm helps European traders reduce information leakage to the market and improve their execution performance. It combines the benefits of algorithmic trading, automation, and anonymity with the ability to source 'block' liquidity in the SIGMA dark pool," he continues." Source
It sounds like a big crack deal in a dark alley. I understand funds don't want to signal the market but how can big blocks of publicly traded shares cross internally without being displayed to the public. It looks like Goldman will report all volume traded in its Sigma X dark pool though (Goldman responds to calls for US dark pool transparency, US dark pools to accept new trade reporting standard). I also found a presentation by Larry Tabb of TABB Group at the O'Reilly Money:Tech Conference on February 8, 2008 talking about search, dark pools and disappearing traders. It is interesting technology.
Is Dark Pool Trading Transparent? (TABB Group Presentation)
Monday, August 24, 2009
BMO's Adornato on CRE, Capitalized REITs and Distressed Buys
"First to back up, we still see the fundamentals deteriorating throughout the commercial real estate sector. The backdrop that we're talking about is still one of rising vacancy and falling rents. But the publicly traded REITs have been successful in issuing equity this year, about $20 billion so far. They also have recycled capital by forming joint ventures with other institutional investors. They've also issued corporate unsecured debt, that market was really closed for many months but has now come back to life. And they've also been able to issue secured debt, traditional mortgage debt, which although it's more expensive than it has been, it's still available from the stronger banks."
BMO's Adornato on CRE, Capitalized REITs and Distressed Buys
Saturday, August 22, 2009
Producer Price Index Volatility Going Back To 1930, 1947 (BLS)
Producer Price Index Volatility Going Back To 1930, 1947 (BLS)
Friday, August 21, 2009
Hedge Fund Manager Andrew Lahde's Farewell Letter 2008
Hedge Fund Manager Andrew Lahde's Farewell Letter 2008
Thursday, August 20, 2009
Check Out Zillow Real Estate Market Reports, Home Value Index
Check Out Zillow Real Estate Market Reports, Home Value Index
Wednesday, August 19, 2009
Trader Buys Cheap Out Of The Money Natural Gas Calls
EIA's weekly storage report ending August 7 showed that 3,152 billion cubic feet were in storage. The storage number is up over the week, up over the year, and above the 2004-2008 range so it's flat out bearish and has been reflected in the price.
Trader Buys Cheap Out Of The Money Natural Gas Calls
Tuesday, August 18, 2009
Genco CFO on Baltic Dry Index Volatility, Chart
"I think that the dry bulk industry has turned the corner... What has really made the dry bulk industry come off of those lows is all the spending that has been going on in China. The stimulus spending, the increased loans and the increased steel industry which has been driving the iron ore imports. What we've also been seeing are coal imports going into China, increased coal imports going into India as well as Japan. So we are now starting to see just the beginnings of those recoveries, and we think towards the end of the year you'll start to see iron ore import numbers increase as well..."
Genco CFO on Baltic Dry Index Volatility, Chart
Monday, August 17, 2009
FXI Put Protection, Andy Xie On China's Bubble
Diane Swonk Sees Rocky Road To Recovery (Video)
".... So all that along with inventories rebuilding a bit, you'll get some growth but it's half of what we should be getting given the depths of the crisis. And as we get into 2010, unless we see that emergence of good news, which is employment gains you can't see a self feeding recovery. I think we will see that but even that limited. Many companies who relied on short term credit to finance payrolls can't anymore even as we emerge from the crisis......"
Diane Swonk Sees Rocky Road To Recovery (Video)
Sunday, August 16, 2009
Chart Comparisons: Copper, BHP, Shanghai Index, Baltic Dry Index
Chart Comparisons: Copper, BHP, Shanghai Index, Baltic Dry Index
$AUDJPY, $AUDUSD, FXA Fibonacci Retracements, Articles
David Tice: S&P to Hit 400, Earnings Multiple Overpriced (Video)
"We think we are going to get to $400... We think the market is dramatically overpriced at 22 times 2010 earnings according to strategist numbers. That's an exceptionally high number for the bottom of a bear market.. We think earnings are still going down and the problem is that expectations that were beat were being done at much lower levels than last year due to cost cutting, revenues were down significantly..."Anyone know what 2010 EPS number he is looking at to get a P/E of 22? Here is Standard and Poor's 2009 and 2010 reported and operating EPS estimates in a spreadsheet. It looks like 2010 EPS estimates average out to 70.
David Tice: S&P to Hit 400, Earnings Multiple Overpriced (Video)
Saturday, August 15, 2009
Marc Faber Sees US Dollar Strength and Market Correction
"What we have is a bull market in assets between 2002 and the end of 2007, early 2008, and a weak dollar during that time. 2008 was the opposite, a strong dollar and all asset markets went down except for bonds. And now 2009 we bottomed out on the S&P at 666 in March and since then have rallied strongly and in emerging markets even more, but the dollar was weak. And I expect now maybe for the next couple of months a period of a recovering dollar and a correction time in asset markets..... Because a strong dollar means global liquidity is tightening." Watch the full interview."
Marc Faber Sees US Dollar Strength and Market Correction
2nd Half Economic Recovery Update From WalStreetPro
2nd Half Economic Recovery Update From WalStreetPro
Friday, August 14, 2009
Tyler Durden of Zero Hedge Speaks With Max Keiser
On the Edge with Max Keiser – The Fed, front running, ponzi schemes (MaxKeiser.com)
Max Keiser's Youtube channel at http://www.youtube.com/user/MaxKeiserTV
Also visit ZeroHedge.com
Tyler Durden of Zero Hedge Speaks With Max Keiser
Bob Janjuah of RBS: Global Stock Markets Will Test March Lows
Read full article:
RBS uber-bear issues fresh alert on global stock market (Telegraph.co.uk)
Bob Janjuah of RBS: Global Stock Markets Will Test March Lows
Thursday, August 13, 2009
Simple Explanation on High Frequency Trading
High-frequency trading from Marketplace on Vimeo.
Source: http://vimeo.com/6056298
Simple Explanation on High Frequency Trading
John Paulson Keeps GLD Investment, Watching Symmetrical Triangle
Here is when we first heard about his $GLD position:
Paulson Buys GLD, GDX. Laidi Long Gold/Oil Pair Trade (May 20)
John Paulson Keeps GLD Investment, Watching Symmetrical Triangle
Jim Rogers Not Buying Chinese Stocks, Buying During Collapse (Video)
- Not buying any stocks in China, bought last shares in October and November of 2008
- The market has more than doubled over the last 9 months
- Much rather buy when things collapse, got another 10, 15, 20, 30 Years
- Real estate has boomed in last 2-3 months, back around 2004 bubble levels
- Certainly not selling but market has doubled in 9 months, usually a worrisome sign (buying puts Jim?)
- Down 70-80% a year before that
- To play China buy commodities, China has to buy commodities
- We are "told" that the Chinese are spending Dollars on real things
- Water treatment, infrastructure, agriculture booming in China no matter what happens
Jim Rogers Not Buying Chinese Stocks, Buying During Collapse (Video)
Wednesday, August 12, 2009
Steve Forbes Eating A Cheeseburger At McDonalds, 1996 Campaign Trail
"Steve Forbes one of the many 1996 Republican Presidential candidates makes a campaign stop at a McDonalds before the Iowa Caucuses. The awkward silence speaks for itself. You can watch the full video and learn more about the filmmakers here" full video is at MediaBurn.org
Commanding Heights: Privatization in Britian (Video)
Commanding Heights: Privatization in Britian (Video)
ProShares UltraShort Real Estate ETF SRS Faces Lawsuits -Video
ProShares UltraShort Real Estate ETF SRS Faces Lawsuits -Video
Economic Activity Leveling Out, Inflation Will Remain Subdued (FOMC 8/12/09)
Release Date: August 12, 2009
For immediate release
Information received since the Federal Open Market Committee met in June suggests that economic activity is leveling out. Conditions in financial markets have improved further in recent weeks. Household spending has continued to show signs of stabilizing but remains constrained by ongoing job losses, sluggish income growth, lower housing wealth, and tight credit. Businesses are still cutting back on fixed investment and staffing but are making progress in bringing inventory stocks into better alignment with sales. Although economic activity is likely to remain weak for a time, the Committee continues to anticipate that policy actions to stabilize financial markets and institutions, fiscal and monetary stimulus, and market forces will contribute to a gradual resumption of sustainable economic growth in a context of price stability.
GLD Trade Setting Up Here + UUP, AUDJPY Pre FOMC
AUDJPY Selling Off After Hitting Retracement Level
Tuesday, August 11, 2009
US Dollar Index ETF Sees Volume Ahead of FOMC ($UUP)
US Dollar Index ETF Sees Volume Ahead of FOMC ($UUP)
Hedging a Market Pullback Using The VIX
Hedging a Market Pullback Using The VIX
Sunday, August 9, 2009
Dow 1929 Bear Market Rally Compared To 2009 Rally (Charts + Smoot Hawley)
Dow 1929 Bear Market Rally Compared To 2009 Rally (Charts + Smoot Hawley)
High Frequency Trading, Flash Orders Explained (Videos + Articles)
High Frequency Trading, Flash Orders Explained (Videos + Articles)
The Onion Is Out With Potential Market Moving News For Equities and Treasuries
Solitary Crow On Fence Post Portending Doom, Analysts Warn (TheOnion)
"GREELEY, NE—Experts confirmed Monday that a single black crow perched ominously on a fence post in rural Nebraska is almost certainly a harbinger of great doom and despair for all Americans." Read full article
The Onion Is Out With Potential Market Moving News For Equities and Treasuries
Friday, August 7, 2009
Rosenberg Takes Other Side of Abby Joseph Cohen's Call (Bear Market Rally)
"If I remember correctly in the opening months of 2002, under similar, not the same but similar circumstances, which was an inventory build that we know in 2002 was never backed up by an improvement in consumer demand which was why GDP growth by the end of 2002 was 0, and the stock market surprisingly hit its lows....."
Rosenberg Takes Other Side of Abby Joseph Cohen's Call (Bear Market Rally)
Abby Cohen: In a New Bull Market, Sees 1050-1100 Target on S&P
Abby Cohen: In a New Bull Market, Sees 1050-1100 Target on S&P
Thursday, August 6, 2009
Gold Spot Eyeing $1,000, GLD at Inflection Point (2 Year Chart)
Gold Spot Eyeing $1,000, GLD at Inflection Point (2 Year Chart)
SLV SEP $14 Puts Active, 20,000 Contracts
SLV SEP $14 Puts Active, 20,000 Contracts
GLD Dec OTM 75-85 Put Spread, GDX Dec 45 Call Active
GLD is at an inflection point on the 2 year chart. It looks like someone initiated a Dec 75 - 85 put spread today and it is trading at $94.66. Is someone hedging there? At 2:30 1 million shares hit on $GLD raising it from $94 to $95 in a minute so something is up. Looking at the Gold Miners ETF ($GDX), 22,000 DEC $45 calls traded at $2.80 with 1,324 open and GDX closed at 40.85. Option activity is all over the place. Here's a good explanation: Gold GLD ETF implied volatility to rise (Forbes).
GLD Dec OTM 75-85 Put Spread, GDX Dec 45 Call Active
Wednesday, August 5, 2009
Economic Update From The Shed (Aug 5)
"The *** recession's over huh? That's why 39 million people got food stamps in June, which is up 20% from just a year ago. Oh everything's ok though. People on food stamps is part of the economic recovery, you know?"
Economic Update From The Shed (Aug 5)
Jefferson County Volatility, Interest Rate Swaps to National Guard
If you remember this post from late 2008, Jefferson County was hit hard by a bunch of external forces that ruined them financially (auction rate security freeze, rate spike, recession, downgrades, interest rate swap default etc). To this day they are trying to stay out of bankruptcy with $3.9 Billion of sewer debt they are unable to service. Bond insurers are also threatening to sue the County for failing to disclose pertinent financial information on the 2003 sewer "refunding" deals (Bond Buyer). S&P is threatening to downgrade their sewer revenue bonds to default if they fail to pay principal or interest (WSJ). It seems like they are already insolvent..
Jefferson County Volatility, Interest Rate Swaps to National Guard
Tuesday, August 4, 2009
SPX Relative Strength index, Chaikin Money Flow At October 2006 Levels (8/09)
From the chart below you can see that once the head and shoulders breakdown failed, traders and investors rushed into the S&P 500. The RSI, CMF and volume all made strong moves..
Nasdaq Volume Highest Since Oct 2008 ($COMPQ) (June 23, 2009)
SPX Relative Strength index, Chaikin Money Flow At October 2006 Levels (8/09)
ETFs Above 70 RSI: SPY, DIA, QQQQ, RUT, XLF, XHB, IYR, KRE, HYG (Aug 4)
Relative strength could overshoot and/or prices could move higher while strength declines, that would be the negative divergence to look out for. The RSI should also dip below 70 for confirmation. For more information on the RSI (relative strength index) Stockcharts.com and Investopedia have information. Here are chart snapshots you can find at Stockcharts.com. Also watch that 38.2% Fibonacci retracement level on the $SPX at 1,014.
Monday, August 3, 2009
XHB Dec Call Option Up 30 Percent In Eleven Days, RSI Alert
On August 3, 30,000 contracts hit the bid at 0.75 with 85,243 open (ht crimson mind). If a hedge fund bought 30,000 contracts at 0.575 and flipped it at 0.75 eleven days later that is a 30% profit, or $525,000. This is assuming the trade was solely speculative based on the price and volume. It could have been new money or part of a spread.
XHB Dec Call Option Up 30 Percent In Eleven Days, RSI Alert
Sunday, August 2, 2009
Denninger Looks Back At 2001 Bear Market Rally, Inventory Drawdown (CNBC)
Denninger Looks Back At 2001 Bear Market Rally, Inventory Drawdown (CNBC)
Pimcos El-Erian: July Stock Rally Sugar High Built On Assumptions, Sees 2% GDP
"So as investment guys we look at the rally in equities, especially what happened in July, and you get a feeling that the equity market is now on a sugar high. Assumptions are being made, assumptions are being made on things like.. corporate profitability can continue to be driven just by cost cutting, that's not true you need revenue growth. Assumptions are being made that the stimulus is going to have a permanent affect, that's not true just look at what happened in China today. The Chinese equity market was down 5% on talk that some of the stimulus may be withdrawn. And finally an assumption is being made that the stabilization of housing is sufficient to get this economy going again. It's not sufficient, it's necessary but it's not sufficient. So our feeling is that the July part of the rally was a bit of a sugar high"
Pimcos El-Erian: July Stock Rally Sugar High Built On Assumptions, Sees 2% GDP
Skyworks (SWKS): Smartphone Growth, Aug Call Option Up 740% Since Feb
Skyworks (SWKS): Smartphone Growth, Aug Call Option Up 740% Since Feb
Saturday, August 1, 2009
Revisiting Arbinet Corp, Broke Above $2.0 (Small Cap $ARBX)
"Arbinet is a leading provider of innovative voice and IP solutions empowering communications companies to create the most efficient and valuable global interconnections. Arbinet manages business relationships, backoffice operations and call routing for Members who route through Arbinet approximately 2% of the world's international voice traffic to more than 1,300 destinations worldwide." Arbinet.com.
Recession Is Over According To Newsweek, Obama Responds
"The Great Recession, which rolled over our financial lives like one of P.J. Keating's giant pavers, is most likely over. Home sales, while still far below the levels of a year ago, have risen for three straight months—a first since 2004. The stock market has rallied 44 percent since March, thanks to renewed optimism and improving earnings from big companies like Goldman Sachs and Apple. In June, seven of the 10 indicators in the Conference Board Leading Economic Index pointed upward, including manufacturing hours worked and unemployment claims...... Read full article"
Recession Is Over According To Newsweek, Obama Responds


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Well done Megan! I was so proud when I read this in the paper! I have cut it out and I will keep it to remind me of the day you and Phoebe did so well. Miss McCall. x
well done megan so so proud and well deserved. Parkfield has definately got talent. Miss Crossley x
thnx Miss mccall xxx Weel done Megzi xxx
thanks x
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Windows 8 is Cool, You Guys: Just Ask this Microsoft Pop Up Shop
Apple is known for its sleek, modern stores with glistening white walls and futuristic gadgets adorning smooth tables. There are Apple stores all over Manhattan that serve as gleaming advertisements for a dreamy future. But what of Microsoft? With no gadget palaces in Manhattan to speak of, they're resorting to a more temporary approach: opening a pop up shop over the holidays at the Time Warner Center in Columbus Circle. Read More


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Samford a Better Place
Exceptional Gift
for the Common Good
Business Leadership
the Free Market
with Computers
Banking Stresses New Technology, Personal Touch
Greek Influence on Jordan Strikes Jan Term Class Members
Cappella Choir Invited to Sing in Russia
Ensemble Performs at MENC Conference
Students Out-Perform Peers in 'Engagement' with Learning: NSSE
History Prof's Book on King Jail Letter Examines Complexities of
'60s Racial Scene
Writes on Baptists and Calvinism
Edited by George, Smith Examines Racial Reconciliation
Authors Doctrine Study
Team Makes It Interesting During Seventh Straight Winner
Could Hold a Key to Effective Disaster Response
and Moore Write the Samford Record Book
Alumni: Send Your Name
Morgan Scholarship Winners
Martin Luther
King, Jr.'s "Letter from Birmingham Jail" may be the most
important written document of the Civil Rights era. Addressed to
eight white Birmingham clergy who sought to avoid violence by discouraging
King's demonstrations, the letter captured the essence of the civil
rights struggle and provided a blistering indictment of the gradualist
approach to racial justice.
wrote the letter from a Birmingham jail cell in the spring
of 1963, after being arrested on Good Friday for unlawfully
demonstrating against the city's segregationist ordinances.
The letter-with its image of King penning it in a prison cell-soon
became a part of American folklore. It presaged his dramatic
1963 summer March on Washington.
But the
story of how clergymen from different religious communities
responded to the racial crisis in the South and of how King
and his associates carefully composed, edited and distributed
the letter to help their cause is a more complex tale. Historian
S. Jonathan Bass of Samford University deals with this story
in his new book, Blessed Are the Peacemakers, released this
spring by Louisiana State University Press.
eight ministers were vilified by the national press as typical
Southern racists. But Bass goes beyond the headlines to examine
the backgrounds, individual reactions to the letter and subsequent
careers of the eight. He contends they shared King's goals
of racial justice and black equality, but disagreed with him
on how best to achieve these goals-a position in line with
much of the mainstream religious leadership of the time.
The letter
was addressed to Methodist bishops Nolan Harmon and Paul Hardin,
Episcopal bishops C.C.J. Carpenter and George Murray, Catholic bishop
Joseph Durick, Rabbi Milton Grafman, Presbyterian minister Edward
Ramage and Southern Baptist minister Earl Stallings.
study reveals much about the role of the church and synagogue
during the Civil Rights era. At the same time, King emerges
as a pragmatist who skillfully used the mass media in his
efforts to end racial injustice. The book demonstrates the
complexity of Southern race relations in the '50s and '60s,
showing how gradualists and moderates found themselves trapped
between integrationists and segregationists.
book "reveals how Southern moderates, even some who took
courageous positions on behalf of human dignity and racial
fairness, became targets from both directions," said
Auburn University historian Wayne Flynt '61. "Blessed
Are the Peacemakers is an ironic title for this book. The
eight clergymen who dared criticize both George Wallace and
Martin Luther King Jr.'s Birmingham demonstrations were hardly
'blessed' by their times or since."
As reviewer
Heather Wecsler noted in the Monroe (La.) News-Star, "These
men were hardly heroes, but they weren't exactly villains either.
Instead, they were compellingly human. They dealt with the same
moral battles we deal with daily."
Bass teaches
recent American history at Samford. He holds the Ph.D. degree in
history from the University of Tennessee at Knoxville.
Comments on Blessed Are the Peacemakers
Bass offers new insights into the civil rights struggles of the
1960s by subtly illuminating the complex motives and differing perspectives
of the eight 'moderate' Birmingham religious leaders condemned by
Martin Luther King Jr. in his 'Letter from Birmingham Jail.' "
Dan T. Carter, author of The Politics of Rage: George Wallace,
the Origins of the New Conservatism, and the Transformation of American
students of the period and the general public will find this book
to be a valuable tool for understanding the 'Letter (from Birmingham
Jail),' its intended audience, and, more specifically, what effect
it had on the lives of the eight clergymen who were its nominal
Lewis Sussman, Gainesville (Fla.) Sun
"As portrayed
in the national media, the civil rights movement was a morality
play with starkly drawn heroes and villains. This book, in contrast,
is about the complexity of real life and the consequences that were
paid by eight men who tried, in their way, to address injustice."
Elaine Witt, Birmingham Post-Herald


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The state of the 4-year-oldsFebruary 15,2013One of the big moments of the State of the Union address was President Barack Obamas call for high-quality preschool for 4-year-olds.
Nobody was happier at the idea than Walter Mondale, the former vice president.
This is going to be wonderful, he said in a phone conversation. His delight was sort of inspiring. If I had been down the road Mondale has traveled, my mood would have been a little darker.
In 1971, when he was a senator, Mondale led the congressional drive to make quality preschool education available to every family in the United States that wanted it. Everybody. The federal government would set standards and provide backup services like meals and medical and dental checkups. Tuition would depend on the familys ability to pay.
And it passed! Then Richard Nixon vetoed it, claiming Congress was proposing communal approaches to child rearing. Now, 42 years later, working parents of every economic level scramble madly to find quality programs for their preschoolers, while the waiting lines for poor families looking for subsidized programs stretch on into infinity.
And Obama is trying, against great odds, to do something for 4-year-olds.
People, think about this for a minute. We have no bigger crisis as a nation than the class barrier. Were near the bottom of the industrialized world when it comes to upward mobility. A child born to poor parents has a pathetic chance of growing up to be anything but poor. This isnt the way things were supposed to be in the United States. But here we are.
Would it be different if all the children born over the past 40 years had been given access to top-quality early education programs that not only kept them safe while their parents worked but gave them the language and reasoning skills that wealthy families pass on as a matter of course?
Well never know.
Mondales Comprehensive Child Development Act was a bipartisan bill, which passed 63-17 in the Senate. It was an entitlement, and, if it had become law, it would have been one entitlement for little children in a world where most of the money goes to the elderly.
We came up with a lot of proposals, but the one we were most excited about was early childhood education. Everything we learned firmed up the view this really works, Mondale said.
The destruction of his bill was one of the earliest victories of the new right.
The federal government should not be in the business of raising Americas children. It was a political and ideological ideal of great importance, Pat Buchanan once told me.
He was working at the White House when the bill reached Nixons desk, and he helped write the veto message. He spoke about this achievement with great pride.
The saga of the demise of the Comprehensive Child Development Act is an excellent explanation of why Obama was prepared to go through so much political trauma to pass health care reform, even when many of his own party members were begging him to drop back, do something less earth-shaking and wait for a better moment.
The better moment might never come.
After Gerald Ford became president, the early childhood education bills supporters tried to resurrect the plan. They had hardly done anything besides agree that they probably ought to wait until after the 1976 election, when they were hit with a political tsunami. Members of Congress started getting hundreds and hundreds sometimes thousands and thousands of hysterical letters accusing them of plotting to destroy the American family.
This was before constituent email, when that kind of outpouring was shocking, particularly since a number of the writers seemed to believe that Congress was plotting to allow children to organize labor unions and sue their parents for making them do chores.
That was really the beginning of the Tea Party. The right wing started to turn on this thing viciously, Mondale said. They said it was a socialist scheme. They were really pounding the members of Congress, and a lot of people got cold feet.
Nobody really knew where it was all coming from. A reporter for The Houston Chronicle traced the hysteria back to a man in Kansas who had written the leaflet, based on information hed received from a revival in Missouri, which he told the reporter he had since learned was almost all completely wrong.
But that was it. Later, people would begin proposing modest preschool programs, particularly for the offspring of poor women who were required to work after the repeal of welfare entitlements in the Clinton years. But there would never again be a serious attempt to guarantee all American families access to quality early education and after-school programs.
The president proposes doing something for 4-year-olds. This is a great idea. Mondale is certainly enthusiastic. But still.
Gail Collins is a columnist for The New York Times.MORE IN CommentaryVladimir Putin is caught between a rock and a hard place and his response has been to portray the... Full StoryThe sit-ins, die-ins, marches and other demonstrations sparked by the tragic deaths of Michael... Full StoryMaybe Im just projecting, but Christmas seemed unusually subdued this year. Full Story
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Kacey Musgraves Same Trailer Different Park
While recently touring with Kenny Chesney as part of his No Shoes Nation Tour I happen to ask Kacey Musgraves how she came up with the title of her new album which hits stores tomorrow, (Tuesday 19 March) She said: "All along I wanted the title to be something that stands out. I never wanted it to be one dimensional or completely obvious — you know, Kacey Musgraves… Or even Merry Go Round, you know? I kind of love it when album titles make you think, and sometimes they don't even have anything to do with the actual, it's just an abstract idea. This came from a lyric in 'Merry Go Round' and it's one of my favorite lyrics in the record. The lyric is 'Same hurt in every heart/same trailer, different park,' and it kind of just means we're all kind of in this together. We're all hurt the same way. We all feel the same way, although we're all different. That's why I love it."


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adidas Men's Oklahoma City Thunder Kevin Durant Revolution 30 Road Replica Jersey
Be sure to select a color, size and quantity below
Item # 18187836
|Eligible for Free Shipping, No Minimum! (see promotion details)
|Members of The League get 5% back when you spend $100! (see promotion details)
Product Details
Every raving fan deserves game day gear that's just as loud as they are. Find the perfect hats, jerseys, apparel & more... Right here at sportsauthority.com!
Product Recommendations
Product Reviews
Reviewed by 1 customer
- Durable Construction
Best Uses
- Daily Use
Comments about adidas Men's Kevin Durant #35 Oklahoma City Thunder Revolution 30 Road Replica Jersey:
Good basic jersey that a teen can wear occasionally. Reasonable price.


text: POPSUGAR Celebrity Sarah Michelle Gellar Pictures of SMG by Celebrity 6/04/10 0 Reactions 0 Shares Print 0 0 0 0 0 Previous Photo 1 of 11 View on One Page ADVERTISEMENT ( more slides) Next 1 Pictures of SMG Previous Photo 1 of 11 View on One Page ADVERTISEMENT ( more slides) Next 0 0 0 0 0 Read More Sarah Michelle Gellar Sarah Michelle Gellar Sarah Michelle Gellar: Freddie Prinze Jr. Is Doing 'Fine' After Spinal Surgery 2 weeks ago SMG Says Freddie Prinze Jr.'s Health Condition Was "Greatly Exaggerated" 2 weeks ago The Force Is With SMG and Freddie Prinze Jr. on Halloween 11/01 Hollywood Couples Who Have Stayed Together the Longest 10/24 16 Times SMG and Freddie Prinze Jr. Made You Believe in Love 9/02 Sarah Michelle Gellar Stages Another Adorable Buffy Reunion 7/24 CBS Has Canceled The Crazy Ones and Renewed The Mentalist 5/10 Get the scoop with our daily newsletter Enjoy the latest news on the celebs you love. Young Hollywood Movies TV A Listers Sign up with Link Love Princess Madeleine of Sweden is expecting her second child — People George Clooney woos Downton Abbey's Elizabeth McGovern on set — Us Weekly Azealia Banks reveals why she has such a beef with Iggy — HuffPost Celebrity Tim Burton is not a fan of modern-day superhero movies — Lainey Gossip Betty White gets hilariously wacky with Craig Ferguson — Dlisted Owen Wilson shares an adorable video of his son — ET Find out who Kylie Jenner had a date with — JustJared Wait, Bella Thorne was spotted working where?! — Hollywood Tuna You've never seen Nicki Minaj look this glamorous — Pink Is the New Blog See Charli XCX's crazy Jingle Ball outfit — The Superficial Christina Hendricks moves on to her next big project — popbytes Latest Celebrity & News


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Review Details
Light Blue Polkadot over Light Blue Lace Boxers
- Product Review (submitted on April 11, 2013):
- I recently purchased this light blue pair along with two other pairs. I absolutely love them and so does my boyfriend! Great quality, perfect fit, true to size and exceptional service. Each pair individually packaged and a tie-bag thrown in really stands out in online purchases and I would recommend anyone to buy from Foxers!


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Sapphire bags is a manufacturing enterprise specialized in research and production of various chemical fabric luggages,computer bags,travel bags,briefcases and some PVC,PU and genuine leather bags.
About us
Our company dedicated to practicality, quality, innovation and perseverance as four major tenets.We uphold the spirit of standardization , institutionalization and humanization in our business management
Our Products
We provide an exclusive range of Bags that has fine texture. These bags have various sections and chains & pockets for keeping accessories. Moreover, these bags also featured with tear resistance, softness and lasts for a longer period of time.


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Model Number: 355
Warranty: 12 Months
- Unique push/pull mounting.
- Strong beech timber construction.
- Suits gaps 800-1260mm.
- Ideal for travelling.
- Ideal for occasional use.
- Ideal for pets.
- Ideal for multiple locations.
Choose from any of our 629 retail outlets & discover a store near you!
Ask us a question or browse our popular FAQ's pageASK A QUESTION
The Lupo Pull-Up Door Barrier features a unique design whereby the barrier is simply pushed down into the door opening to engage the pressure mounts. This makes the Lupo extremely quick and easy to install and remove multiple times a day, which makes it perfect for occassional users such as grandparents and relatives.
Made from a strong and sturdy beech timber, it boasts convenience, style and above all, safety.
The Barrier suits openings from 800 to 1260mm.
Model Number: 355


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I am a advisor for CWOPS CW Academy. Information is available at www.cwops.org/cwacademy.html .
QSL POLICY - I prefer LOTW whenever possible. I'm really not set up to send cards however I will send you a card if you absolutely need one from me.
CLUBS - Click on the club name below for more info.
PVRC - Potomac Valley Radio Club
Top - Speakers, CW keyboard
Middle - UTC Clock, TenTec Omni C, Heathkit HW-16
Bottom - Shack computer with dual 22 inch monitors, Elecraft K3/100, MFJ 4726 antenna switch, Watt/SWR meter, Hi-Z RX Antenna Control Box, K42 CW keyboard control box, Yeasu VX-7R
Keys - Kent Paddles, my original Heathkit HD-1410 keyer, Home Brew Cootie key, 1963 Vibroplex Presentation Deluxe, 1958 Vibroplex Lightning Bug, Home Brew Straight Keys. All keys are connected to home brew key switch and are instantly availalbe with any rig in the shack.
Floor -Ameritron ALS-600 Amplifier, Astron DC Supply, Dummy Load, RTR-1A RX antenna switch unit, UPS
Studio B - Ten Tec Omni C with Remote VFO 243. 100W
Studio C - Vintage Novice Station. HW-16. 80,40,15 meters. Crystal control. My first novice rig.
Studio D - VHF FM station. Yeasu VX-7R (6M - 70CM)
Tri Band Inverted L
Picture of the feed point of my tri band inverted L for 160,80 and 40 meters complete with "Ugly Balun" RF choke.
Ten Tec Omni C Arrives
This is not just any Omni C. This is one of few (50) that has the Ron Lee agc mod. A very extensive modification that turns the Omni C into a real top performer that rivals many modern radios. It is a truly amazing radio with very quiet and sensitive receiver. It is very comparable to the receiver in my K3! It was from the estate of W5ZL and came with the matching power supply, remote VFO, 2.4KHZ, 500 and 250 HZ cw filters. I didnt know it was modified unitl I opened it up. Talk about a bonus!
Latest Home Brew Key
This key was also inspired by the WB9LPU Simple Straight Key Project. I added a rear contact mechanism of my own design. I also used ball bearings on this key. I made the navy knob using a cabinet drawer knob and large fender washer. This key is super smooth to operate and has a great feel to it. Like the last key, I have a little over 20 hours into building it. Well worth the time though!
New Home Brew Key
This key is from the WB9LPU Simple Straight Key Project. I machined all of the parts in my small garage shop using very "simple" tools. I also had great support from the master himself, Rich, WB9LPU. The key was built over the period of one week and took nearly 20 hours to put together. It feels and looks like a high end pro key! Many thanks to Rich for all of the hard work and effort he put into documenting this excellent project.
Home Brew Cootie Key
UPDATE - I have installed a switch on this key so it can be switched between Cootie and Single Lever paddle mode. Used with my K1EL K42 keyer this key is now capable of being a Cootie, BUG or Fully Automatic single lever key.
Except for the 3.5" x 4.5" x 1" thick blood wood base and finger piece this Cootie is machined from 1" x 1/8" thick aluminum angle stock and hardware obtained from Lowes using simple hand tools and small band saw. I put it together in one afternoon! It works very well and has very smooth action.
Replaced power cord with 3 wire type for safety.
Installed SO-239 antenna jack.
Disabled neon bulb sidetone monitor.
Replaced D1 with 1N4148 to increase sensitivity.
Removed ground from cable connecting D1 to point B on PCB to increase sensitivity.
Replaced R14 with 2.2K 2W resistor to obtain QRP power levels with power level control.
Replaced R49 with 150 ohm resistor to slightly unmute reciever for louder sidetone for better QSK operation.
This holder adapts four HC49/U xtals for use in FT-243 type sockets. Just pull it out and turn it to the next xtal! Use 80 meter
Elecraft K3 100
Ten Tec Omni C
Ameritron ALS-600 amplifier. Used with K3
Softrock RXTXv6.3 (1watt output on 160, 80, 40 meters)
Hallicarafers S20R
Heathkit HW-16
Homebrew 6L6 QRP transmitter
Homebrew VFO/Driver/TR switch box.
K1EL K42 CW keyboard.
Hombrew PC - Intel Quad Core with 8GB RAM and 500 GB disk
Antenna 1 - Fan dipole at 30 feet (20,15,10 meters)
Antenna 2 - Tri band inverted L (160,80,40 meters) 160m 35 feet vertical 90 feet horizontal with 10 radials. 80 meters 30 feet vertical 40 feet horizontal. 40 meters 32 foot vertical wire. All using same feed point with ugly balun.
Antenna 3 - Dipole in attic for 30 Meters
Antenna 4 - Discone at 30 feet for VHF\UHF
RX Antenna - Hi-Z 2-3
N1MM Contest Logger
DXLAB Suite - Logging and DX work.
My Record Book
My WSPR DX record so far is 16295 KM on 500 miliwatts into a slinky antenna in my attic
My CW DX record so far is 6174 KM on 1 watt into a slinky antenna in my attic.
My PSK31 DX record so far is 6129 KM on 1 watt into a slinky antenna in my attic.
1489616 Last modified: 2014-12-02 14:11:47, 9401 bytes
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The press release was posted on this wire, however, when CNET came to follow up the press release they were a little surprised to discover that ICOA executives denied it. COA Chief Executive George Strouthopoulos, insisted that the company has "never had any discussions with any potential acquirers."
He thinks that a stock promoter issued the press release in the hope of making a bit of a cash on some shares that he or she was sitting on. The matter is being reported to the cops.
The press release appeared to have been written by the same person who designed Nigerian scams, however it could equally have been a draft release which had not gone through the correct channels. What was interesting is that it was so plausible. ICOA is exactly the sort of company that Google would buy, and the price tag seemed reasonable.


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Showing 1-12 of 12 items found in Events
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Long Grove's Annual Strawberry Festival
The pleasures of summer are celebrated with "berry" wonderful strawberry-inspired treats. Strawberry lovers of all ages flock to Long Grove's renown fest to enjoy chocolate covered strawberries, fruit smoothies, and other strawberry drinks, ice creams, strawberry donuts, baked goods and, of course, the farm-fresh berries themselves. There is free live entertainment all three days at venues all over town and most of Long Grove's many shops, galleries, cafes, and restaurants offer variations of strawberry-themed foods, drinks, and merchandise. Fun for All Ages Strawberry Fest features plenty of activities and fun for children, including a variety of kiddie rides, face painting and outdoor activities and tents full of family and education-oriented products.
CITY: Long Grove
Long Grove's Annual Apple Festival
The distinctive Long Grove shops and restaurants help celebrate the Apple Festival with unique seasonal gifts and foods, including cider donuts, caramel apples and the Long Grove Apple Haus' famous brown bag apple pie. Live toe-tapping music, carriage rides, hayrides and children's activities round out the fest.
CITY: Long Grove
Long Grove's Chocolate Festival
Enjoy the sweet life! Back by popular demand, Long Grove invites you to enjoy the annual Long Grove Chocolate Fest, held every May. Families can fill a day – or a weekend – with chocolaty treats, live music, great food and distinctive shopping in charming Long Grove. Enjoy chocolate demonstrations and workshops, wine parings, live music all over town and plenty of children's activities. Long Grove combines the best of trendy shopping and dining with the ambiance of yesteryear. You will discover beautiful gardens, trendy shops, art galleries and one-of-a-kind restaurants.
CITY: Long Grove
Vernon Hills Summer Celebration 2015
Join us for 4 days of food, fun, carnival rides and free entertainment and a huge beer tent. There will also be children's activities, bingo, live bands every night and fireworks on Thursday. Friday night enjoy Modern Day Romeos and Mike & Joe. Saturday Bella Cain and headliner Lonestar will perform along with a car show from 9am-2pm. Sunday enjoy a bags tourny and the music of Kaleidoscope Eyes. Please visit the website for updated entertainment schedule. Bring a blanket but leave the coolers home; no alcohol can be brought into the park.
CITY: Vernon Hills
Winter Wonderland Holiday Light Show
A Lake County holiday tradition. Visit Northern Illinois' largest drive-through Holiday Light Festival, held at the Cuneo Mansion, and view thousands of twinkling lights, animated displays and holiday decorations. While visiting the light show, the Cuneo Mansion & Gardens invites you to walk through the museum for a magical view of Christmas' past. Please visit the website for more information.
CITY: Vernon Hills
The King and I
Get swept off your feet all over again when East meets West in this beloved Rodgers and Hammerstein musical. The friendship that grows between the lovely tutor Mrs. Anna and the larger than life King of Siam transcends their conflicting cultures. Set against the exotic backdrop of 19th century Siam, timeless classics like "Getting to Know You," "I Whistle A Happy Tune" and "Shall We Dance?" spring forth with unforgettable grace and splendor. Journey with us to this captivating land of music, dance and enchantment.
CITY: Lincolnshire
Long Grove's Holiday Festivities
Charming, historic downtown Long Grove is the destination for the holiday season. Visitors will enjoy a variety of family fun beginning Thanksgiving weekend through Christmas Eve, such as the Humbug Scavenger Hunts for kids. Check back for upcoming details about additional family-friendly winter weekend activities including our annual tree lighting ceremony, cookie walk, snowman building, caroling, storytelling, kids' Humbug coloring contests, Christmas with Santa, and more! Plus, warm up with, hot apple cider in the Visitors' Center!
CITY: Long Grove
The 18th Annual Lincolnshire Art Festival
The festival hosts 100 juried artists from around the country in the Village Green of Lincolnshire and offers extraordinary examples of fine art and fine craft in a variety of mediums and price points. Take in the tranquility of Lincolnshire with a wonderful weekend that combines the fun of art with the art of fun. Live music on the music stage, great food and fun activities for kids, including an art scavenger hunt and spin art, make the festival a perfect family experience. Art enthusiasts will have the opportunity to see the masters at work with interactive art demos and booth chats taking place all weekend long! Festival-goers of all ages will have an opportunity to get into the "art-filled" action by contributing to a mural on-site at the festival.
CITY: Lincolnshire
The 12th Annual Buffalo Grove Invitational Art Festival
Currently rated as one of the top 100 art festivals in the country, the festival hosts more than 100 juried artists from around the globe. Art enthusiasts will have the opportunity to watch the masters at work with art demos and booth chats taking place all weekend long! In addition to the work of the 100 juried artists, festival-goers will have the opportunity to view and purchase works from young artists, ages 18 and under, who participate in the Youth Art Division of the festival taking place on Sunday. In addition to the artwork, festival-goers will enjoy live performances from a variety of musical acts, great food and art activities for kids, including an art scavenger hunt and spin art at the festival and much more!
CITY: Buffalo Grove
La Cage aux Folles
La Cage aux Folles has become a classic musical comedy. Set against the glitter of a Saint-Tropez nightclub, a middle-aged gay couple agree to hide their relationship when their son returns home with his fiancée's ultra-conservative parents. Feathers get ruffled and households upended in a poignant tale of one family's struggle to stay together, stay fabulous and above all else, stay true to themselves.
CITY: Lincolnshire
Anything Goes at the Marriott Theatre
Anything Goes is non-stop laughs and madcap fun on the S.S. American with an unusual array of passengers including a gangster, a wealthy debutante, a charismatic nightclub singer and a lovesick stowaway. With spectacular dance and a boatload of Cole Porter tunes like You're the Top, I Get a Kick Out of You and the title song, the audience will get a 'kick' out of Anything Goes.
CITY: Lincolnshire
City of Angels
Los Angeles, 1940's. It's double the laughs and double the intrigue as two plots unfold at once when a young New York writer is brought to Los Angeles to turn his best-selling crime novel into a screenplay. As we follow the writer's travails in the film industry, the novel's private-eye comes to life in the evening's split screen plot.
CITY: Lincolnshire
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Loyalty & Promotion-as-a-Service
Today's customers are smart and well informed, contributing to an increasingly competitive retail market. Securing customer loyalty is more vital than ever before, with a great many retailers seeking to establish rewards programs as a means of strengthening their relationships with shoppers and influencing their daily purchasing habits. And yet, loyalty and promotion programs can be complex and costly, and may demand sizeable upfront investments.
Retalix's Loyalty & Promotion as a Service helps sidestep these potential hurdles, with its cloud-based architecture enabling retailers to rapidly and effortlessly implement effective programs that enhance shopper retention, and impact customers' habits so as to increase spend. Better yet, the solution does all this while requiring minimal capital expenses, with its scalable nature allowing retailers to start small and grow as they go.
Loyalty & Promotion as a Service grants in-depth insight into purchasing history and trends, assisting retail chains' marketing teams in segmenting customers, devising offer management and loyalty strategies, and creating personalized promotions and coupons suitable for delivery across multiple channels. The solution makes it easier than ever before for retailers to manage a broad range of marketing initiatives that span multiple retail enterprises, shopping channels and touch points. It essentially delivers omni-channel shopper experience that contributes greatly to enhanced customer satisfaction, mindshare and loyalty.
|How Can It Help You?
|What Makes It Unique?


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X-Rite, Incorporated, a leading global provider of precision measurement devices, systems and processes that measure color, light and shape, anounced its financial
results for the fourth quarter and year-ended Dec. 8, 2002.
The Company reported record fourth quarter net sales of U.S. $30.9 million, compared to last year's net sales of $20.1 million in the same period. Operating income for the quarter was $4.8
million, compared to an operating loss of $1.5
million in the prior year. The Company reported net income for the quarter of $3.7 million, or $0.18 per share, compared to a net loss of $2.7 million, or $0.12 per share for the
same period last year.
For the year-ended Dec. 28, 2002, net sales were $98.5 million, compared to net sales of $91.7 million for the same period last year. Operating income for the year was $6.4 million,
an increase from $2.1 million over the prior
year. XR Ventures' investment write-downs and a goodwill impairment charge resulted in a net loss for the year of $9.4 million, or $0.47 per share, compared with net income of $1.9 million, or 9 cents per share for the prior year.
"Our fourth quarter net sales were the best in the Company's history, an important achievement given the business environment we all faced in 2002," said Rich Cook, chief executive
officer of X-Rite, Incorporated. "Many factors
contributed to our success, including increased customer focus, improved accountability, product development initiatives and strategic partnerships with key players in our
marketplaces. We enjoy the support of many global
customers who believe in our products and the value they offer. We believe an economic recovery in small equipment capital spending will benefit us in 2003 and promote a healthier business environment in our markets."
Back to Breaking News


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Game of Thrones to Conclude After 7 Seasons?by Matt Richenthal at . Updated at . Comments
The end is coming for Game of Thrones.
Not any time too soon, but showrunners David Benioff and Dan Weiss do have the finale in sight.
With Game of Thrones Season 4 set to premiere on April 6, Benioff tells Entertainment Weekly that this "feels like this is the midpoint for us," adding:
"If we're going to go seven seasons, which is the plan, season 4 is right down the middle, the pivot point."
This marks the first time producers have talked openly about bringing the epic drama to a close.
"I would say it's the goal we've had from the beginning," Benioff says. "It was our unstated goal, because to start on a show and say your goal is seven seasons is the height of lunacy.
"Once we got to the point where we felt like we're going to be able to tell this tale to its conclusion, that became [an even clearer] goal. Seven gods, seven kingdoms, seven seasons. It feels right to us."
There's also the tricky, unusual issue of GoT catching up to George R.R. Martin's source material because the author has released only five of his planned seven-novel Song of Ice and Fire series.
But that's a road the series will head down when/if the appropriate time comes.
Matt Richenthal is the Editor in Chief of TV Fanatic. Follow him on Twitter and on Google+.Tags: Game of Thrones
How ca they say it is for 7 seasons when even the author is not sure when it will end. Go by the book people. It is the best.
I really hope that David Benioff and Dan Weiss don't screw up Game of Thrones because they want to move on to their next project. I know that Martin has already told them the ending of the last book of Fire and Ice but Martin hasn't written the last two books yet so all the details will be different unless Martin writes the story into the show. So far the show has been great because its been so much like the books. Even the dialogue of the show is taken from the book word for word most times.


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LINCOLN LONGWING DERBY Paul Smith TAN
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- The 'Lincoln Longwing Derby' from Paul Smith is a sartorial staple for any mans wardrobe. The Derby features traditional punched out detailing on a crafted leather brogue with lace up fastening. Wear both day and night for a sleek finish.
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Please check our International Delivery and Returns page for more details.


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By Bryanna Clark Grogan, author of World Vegan Feast
Featuring Photography by Christina Hoheisel
Special thanks to Mattie at VeganBaking.net for his ground-breaking work on this concept which provided a place to start when developing my own recipe. Mattie also provided a wealth of details about how the ingredients for vegan butter interact.
You may wonder why a food writer like me, who advocates very moderate use of fat in the diet, would take the time to develop a full-fat homemade vegan buttery spread. My work here was inspired by a request from a friend for an alternative to vegan margarines utilizing palm oil. After two solid months of working on this recipe, my freezer is chock-full of test results—some great, some terrible. But I ultimately ended up with an easy-to-make, palm oil-free vegan butter recipe with the balance of fats I was seeking. I'm proud to say that my vegan butter has also passed my picky 12-year-old granddaughter's taste-test, astonished numerous vegan and omnivorous dinner and party guests, and proved itself in the baking department. I am proud to put my name on a homemade product which, as Erik says, is "… a butter recipe capable of destroying your cravings for dairy products." And I'm thrilled to finally present it to you here on Vegan.com. P.S. Before you make the recipe, please also read the supplemental information on my blog. This information will assist you greatly in ensuring that your vegan butter-making efforts yield spectacular results. You'll additionally learn some vital information about the palm oil industry's complicity in the killing of orangutans.
P.P.S. One request: Erik has kindly provided me with an online platform larger than my own to share my recipe with the vegan community. But, if you have any questions about the recipe, please don't bother Erik—contact me. You're welcome to link to this page or my blog—we encourage sharing—but we request that you do not post the recipe elsewhere. I'm sharing it for no remuneration, so I hope that everyone will respect this simple request and link to this page if you enjoy the recipe. Thank you very much!
Some final things to keep in mind before we get to the recipe:
- Double, triple, or quadruple the recipe to save time and effort– Buttah freezes well.
- When sautéing with Buttah use medium heat, or the non-dairy milk solids will burn.
- Use one of the recommended nondairy milks, soy preferred. Other nondairy milks may lack sufficient protein for curdling. Regarding your choice of soy milk, keep in mind that the sugar(s) (simple carbohydrates) in "Original" varieties of soy milk is hardly abundant, and basically replaces the sugar naturally present in cow's milk. For instance, the amount of sugar(s) in 1 cup of Westsoy Plus Plain unsweetened soy milk is 6 grams. The amount of sugars in 1 cup of dairy milk is 12.35 grams! So please use "original" and not "unsweetened" in this recipe.
- Fair trade organic cocoa butter is preferable and available, though more expensive than non-deodorized cocoa butter.
- See Cooking Tips & Important Info for important notes on the cost of the recipe, details about its ingredients; types of molds and where to buy; comparison chart of solid fats; and information on oil palm cultivation and the threat to orangutans.
- For a low-fat alternative, see my recipe for "Corn Butter" on my blog. It has an update to make it a little richer with the addition of your favorite vegan buttery spread, which I hope will be Buttah!
- I'm not advocating using this spread for everything. I try to bake and cook with liquid oils as much as possible (and in as small quantities as possible) and save Buttah for spreading or using only where a buttery flavor is very important, or to use in place of shortening. Here's a chart listing the amounts of oil to use in cooking and baking instead of butter (you use less oil than butter). But I have used Buttah successfully in cake icing, biscuits, scones, and pie crust. See comparison nutritional chart of fats & spreads at the end of this article.
No reproduction of the following material permitted.
Bryanna's Palm Oil-Free Vegan Buttah
© Bryanna Clark Grogan 2012
A delicious trans-fat-free, non-hydrogenated spread, low in saturated fat, to use just as you would butter or margarine. Nut-free, coconut-free, gluten-free; can also be made with soy-free, corn-free, organic and fair trade ingredients. Recipe revised April 16, 2012. Printable recipe here. Yield: 2 1/4 cups
- 1/2 cup soy milk, or almond or hemp milk—original, not unsweetened, not flavored
- 1/2 tsp lemon juice (if allergic to citrus, use unseasoned rice vinegar)
- 1 tsp fine sea salt
- 1 cup canola oil or alternate (click here for alternates)
- 2 tsp liquid soy or sunflower lecithin
- 3.85 oz (109 g) fair trade, organic cocoa butter, preferably deodorized
- 1/2 tsp guar gum or xanthan gum
- Optional 1/8 tsp turmeric (for brighter yellow color)
- Stick blender. Instead of using a blender, I recommend that you use an immersion/stick blender in a tall, cylindrical container—clean-up is easier and your butter emulsifies better for some reason. I have a cheap little immersion blender and it works just fine.
- Tall container (for mixing your butter.) Most stick blenders come with such a container, or you can use a metal milkshake cup or deep Pyrex measuring pitcher.
- 6 medium-sized silicone cupcake liners (or silicone molds of comparable size in whatever form you desire.) For this feature's main and final photos, Christina used these molds, which she ordered from Amazon.com. Christina also reported good results with these, which appear in this feature's next-to-last photograph.
- A digital kitchen scale that shows ounces and grams.
In the container in which you are going to mix the Buttah mixture with your immersion/stick blender, whisk together the soy milk, lemon juice and salt. Add the oil and lecithin, but don't stir. Set this aside. (To measure out the lecithin, oil the teaspoon measure and then use a small silicone spatula to scoop it out of the spoon.) Have ready 6 medium-sized silicone cupcake liners (or whichever silicone molds you are using) placed in a 6-cup cupcake pan, or in a shallow baking pan. (See Cooking Tipsfor other molds.) To melt the cocoa butter, place it in a small heat-proof dish and either:
- Melt it in a microwave oven (I timed the melting of the cocoa butter in my microwave and it took 3 1/2 minutes at high power in a 1200 watt oven); OR
- Place the dish in the top of a double boiler and melt over simmering water.
Pour the melted cocoa butter into the container with the rest of the ingredients and add the guar or xanthan gum and optional turmeric. With your immersion/stick blender, blend for a couple of minutes, or until smooth, creamy and thickened. When it is thick and creamy, STOP! It is emulsified.
Immediately distribute the mixture evenly into the 6 silicone molds you are using. Place the molds in the freezer for about 1 hour. Do not omit this step because you want the mixture to solidify before the fats and liquids can separate. If for some reason you blended too long and the emulsified mixture "broke" (became liquid-y, as shown in the photo below), it's okay—you can save it: stir each mold or container of Buttah mixture briefly with a mini-whisk before placing in the freezer. Then whisk it again every 10 minutes or so for about 30 minutes, putting it back into the freezer each time—or until it starts to firm up and look creamier.
After 1 hour, the Buttah should be solid and can be released from the liners or container, wrapped or placed in a covered butter dish, and refrigerated. It will keep refrigerated for about 3 weeks, or you can keep it well-wrapped and frozen for several months. Refrigerated, it will stay solid at room temperature after freezing and thawing for some time, so it's safe to put it on the dinner table, but it's best kept refrigerated most of the time after thawing.
Note: Food grade organic cocoa butter, lecithin, and oils are often available online from organic soap and cosmetic suppliers. Some online suppliers are listed here. Nutrition Facts (calculated using High-Heat Canola Oil and Living Cookbook software): Serving size: 1 tablespoon Calories 84; Total Fat 9.5g; Saturated Fat 1.9g; Monounsaturated Fat 5.9g; Polyunsaturated Fat 1.13g; Trans Fatty Acids 0g; Cholesterol 0mg; Sodium 54mg; 3.7mg potassium; 0.2g carbohydrates; 0.1g fiber; 0.1g sugar; 0.1g net carbs; 0.1g protein; My Points 2.5 (See Bryanna's page for nutrition facts using alternative oils.)


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KOOL 105.5's George Plummer talks to Coach Jimmy Hampton and Tulsa junior Brittany Jay. In the Saddle can be heard at 10:30 a.m. Thursdays on KOOL 105.5 FM, at KOOL 105.5 FM's website and right here.
Phone: (405) 224.3140 Toll Free: (800) 933.8726 1727 W. Alabama Ave., Chickasha, OK 73018


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A Peanut In The Rain
Comedy Bang Bang #222June 3, 2013
Take a break from grabbing that tasty air and enjoy a fresh episode of Comedy Bing Bong! The iconic Garry Marshall is back with Gillian Jacobs to deal with some unfinished business that occurred since the last time they were on the show and we're also joined by extreme adventure skier Ducky Powell who has a sweet message to share with us. It's truly a gnarly episode you won't want to miss!
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We understand your concerns about hormones. In fact, we share them. Which is why Lifeway uses only milk that comes from grass fed cows that have not been treated with any artificial hormones. No rBGH. No rBST. No rB anything. And no antibiotics, either. This is true of all Lifeway products. You will see our Farmers Pledge on our packaging, certifying everything we've been saying here. And here's what our CEO has to say:"We are pleased to now offer milk that is certified 100% artificial hormone-free to our growing customer base that has recently voiced demand for this type of milk. Previously, the milk we offered was hormone and antibiotic free; however, we now have a Farmers Pledge that certifies the milk is artificial hormone-free. We think this added benefit will continue to help us reach a wider group of health-conscious consumers."
--Julie Smolyansky, CEO


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Dental Protection is a company, which is wholly owned by the Medical Protection Society (MPS). It exists to protect the professional interests, reputation and integrity of the dental members of MPS. There are more than 64,000 such members in over 70 countries world-wide, served by a team of 35 dento-legal advisers to assist you. These advisers are all registered dentists, with a varied experience across all branches of dentistry, as well as in the dento-legal field. No other similar organisation in the world offers you a team of this size and calibre of experience.
Working in so many different parts of the world, it is easy for us to recognise the signs that consumerism, and an increased readiness to sue doctors, dentists and other professionals when things go wrong, are starting to have an impact in a given country. You need only speak to your colleagues in the medical profession, or to read the newspapers to realise that it won't be long before dentists in Kenya are facing the same level of dento-legal risk that doctors in Kenya are already experiencing, and that dentists already have to deal with in other parts of the world like Australia, the UK and the USA.
Naturally enough, many dentists in Kenya are just as professionally ambitious, and enthusiastic as their international colleagues to use more complex dental procedures. However, procedures such as implants, cosmetic dentistry, extensive crown and bridgework and molar endodontics, to name but a few, carry far greater risks than the simpler dentistry of former years.
More complex dentistry, carried out on more demanding and questioning patients, carries a greater-than-ever need for effective risk management. Risk management is the description given to these activities, which consists of raising our awareness of what can go wrong, and why, finding out what we can do to avoid or minimise these problems, and putting these lessons into action.
Fortunately, the Kenya Dental Association (KDA) has been quick to recognise this growing need and both KDA and Dental Protection are keen to strengthen the links between us.
Occurrence-based indemnity avoids the potential gaps in one's protection. Read more...
At the end of 2013, MPS had more than £2 billion in total assets
The DPL counselling service has been introduced specifically to assist members suffering from stress as a result of dento-legal issues
Dental Protection Limited is registered in England (No. 2374160) and is a wholly owned subsidiary of The Medical Protection Society Limited (MPS) which is registered in England (No.36142). Both companies use Dental Protection as a trading name and have their registered office at 33 Cavendish Square, London W1G 0PS.
Dental Protection Limited serves and supports the dental members of MPS with access to the full range of benefits of membership, which are all discretionary, and set out in MPS's Memorandum and Articles of Association. MPS is not an insurance company. Dental Protection® is a registered trademark of MPS.


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|GOD'S WORD Translation (GW)
|New International Version (NIV)
|1 For this reason we must pay closer attention to what we have heard. Then we won't drift away [from the truth].
|1 We must pay more careful attention, therefore, to what we have heard, so that we do not drift away.
|GOD'S WORD® is a copyrighted work of God's Word to the Nations. Copyright © 1995 by God's Word to the Nations. All rights reserved. Used by permission. (God's Word Translation -Online Bible)
|Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online)


text: Alexander Masters, an advocate for the homeless in the U.K., has written the year's most surprising, charming biography: the tragi-hilarious tale of Stuart Shorter, an opinionated, annoying yet likable ex-con, a former junkie psychopath who's spent his life bouncing between jail, the street, and various state-funded programs, a man for whom ''every day is a hum of casual outrages.'' An easygoing guide, Masters takes Shorter's idea to tell the story in reverse: ''Make it more like a murder mystery. What murdered the boy I was?'' Stuart: A Life Backwards is required reading for every ''middle-class geeky c---'' as Shorter occasionally calls Masters who can't imagine how a human winds up on the street.


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Villa Palma Guesthouse Pula
Official Contact Details - Villa Palma GuesthousePhone: 00385916810501
The guesthouse on the most attractive location in Pula-near Marina Veruda and Tourist complex Verudela.
- Price from 30 EUR / Day
- 2 bedrooms
(click on a photo to view it)
Last updated: 06/12/2008
This is your property ?
Villa Palma is a guesthouse situated 500m from the sea and 2km from the center of the town Pula. It is situated on the most attractive location near Marina Veruda and Touristic complex Verudela (the most popular city beaches and tourist locations).
Villa Palma guesthouse has 2 bedrooms(one for 2 persons and one for 3 persons) with
shared bathroom, kitchen, balcony and car parking. It has sat TV.
The historical centre is 2 km away.
Restaurants, markets and bus station is 100m distance from Villa Palma.
The ferry and train is 2km and airport is 10km away from Villa Palma.
Your holiday with Villa Palma will be the most pleasant and unforgettable experience.
Please note that the balance in cash needs to be paid on arrival. We also request a security deposit of 50 Euro on arrival. You will get this deposit back after checking out.
Prices & deals
- Lowest Daily Price:
- Highest Daily Price:
- Lowest Weekly Price:
- Highest Weekly Price:
- Cleaning fee:
- Charging Method:
- Payment Types:
- Cash
- Credit Card
- Cheque
- Travellers cheque
- Paypal
- Wire Transfer
Location & area
If you come by city bus, take number 2A or 3A and get down at the station Palisina street. We are near Market Ruza and Poliklinika Peharec.
By car:
When you arrive in Croatia follow the signs to Pula. At the entry to Pula don't go throught the centre, follow the signs for Medulin or Punta Verudela. Drive straight (the ringroad around the city- Zaobilaznica or Cesta prekomorskih brigada) and after 3 traffic light turn right and drive straight. Then turn left and drive to the crossroad. At the crossroad turn right. That is Mardegany street. Villa Palma is the first house on the right.
From the airport:
You can reach Villa Palma from Airport Pula by taxi or by bus.
The bus does not go directly from airport to the Villa Palma.
If you reach Villa Palma by bus, you must take a bus from the airport to the main city bus station( which name is Sijana). Then you must take city bus number 2A or 3A and get down at the station `Palisina street`. Near ( about 100m) is Villa Palma in Mardegany street 45.
On foot:
From the town center, go down Radic street. At the end of Radic street turn left in Rizzi street. After the Poliklinika Peharec turn right in Palisina street. At the crossroad turn right.That is Mardegany street. Villa Palma is the first house on the rightt on number 45.
- Address:
- 45 Mardeganijeva, 52100, Pula, Croatia
- Accommodation located in:
- city, near biking trails, near cultural interest, near diving spot, near fishing area, near historical interest, near restaurants & bars, near shopping area, near tennis courts, near the beach, near walking trails, near water sports, suburb!
Amenities & services
# of Units: 1... and each unit includes:
- Bedrooms: 2
- Bathrooms: 0
- Single beds: 0
- Double beds: 0
- Baby cots: 0
- Single sofa beds: 0
- Double sofa beds: 0
- Bath:
- Hair Drier:
- Shower:
- Towels:
- Washing Machine:
- Work Desk:
- Bed Sheets:
- Bikes:
- Cable/Satelite TV:
- Internet Broadband:
- Internet Dial Up:
- Ironing Board:
- Stereo/Radio System:
- Library:
- Telephone:
- DVD Player:
- Fax:
- Butler Service:
- House Chef:
- Local Guides:
- Local Transportation:
- 24h Concierge:
- Tours & Excursions:
- Fridge & Freezer:
- Crockery & Utensils:
- Dish Washer:
- Microwave:
- Oven:
- American Kitchen:
Living room
- Fireplace:
- Sofa Bed:
- Table & Chairs:
- Private Beach:
- Barbecue:
- Sauna:
- Garden:
- Shared Bathroom:
- Spa / Jacuzzi:
- Swimming Pool:
- Lift / Elevator:
- Disabled Facilities:
- Tennis Court:
- Terrace:
- Parking:
- Pets Welcome:
- Safe:
- Sea View:
- Central Heating:
- City View:
- Daily Cleaning:
- Air Conditioning:
- DVD/Music Collection:
- Ensuite Bathroom:
- Balcony:
Review - Villa Palma Guesthouse
Villa Palma Guesthouse - Contact the owner
Important Notice : Avoiding Fraud
It's rare, but some helpful hints to watch out for with regards to fraud:
- It is important to NEVER wire funds or use/employ other fund transfer mechanisms such as western union: Always use a credit card to protect yourself against fraud. If owners pressure you into providing a deposit or refuse to accept credit cards, there is a high probability that this is a scam.
- If at all suspicious of fraud, ask to see their website, or any other literature they can provide or send to you. Ask them for contact details for guests who have previously stayed on their property insisting on telephone numbers. Be suspicious of emails that originate from free email services (yahoo, hotmail, gmail, etc)
- Research the property thoroughly on the internet to see if there is any history or mention of scams associated with the property.


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Useyourlocal.com - We love Pubs!Homepage
Looking for pubs and bars in Caithness that have free WiFi? You've come to the right place. We've got every pub and bar in the UK listed. Whether you're looking for a pub to play darts, somewhere to play pool or just want to have a look at a menu before you go, we can help.
28.81 miles
The Alexander Bain in Wick has disabled facilities. The pub is a family friendly pub, it serves food. The Alexander Bain serves real ale. The pub has free WiFi, it is a member of Cask Marque.
31.62 miles
Traditional pub with juke box and pool table with an early license from 9am Mon til Sun


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The evil babysitter – 7
"You must be feeling quite special now, aren't you?" Priya asked the boy she'd just farted upon. "I never give little eight year old kids such a privilege."
"It was wonderful, Priya." The little boy exclaimed. "When I grow up, I will spend all my life just smelling your farts until I die for you."
"That is cute," Priya said, "but there are much better things you could be doing for me now." The boys were eager to find out what it was. "When your father comes here, you could ask him if he'd let you boys die for me. Ask him for permission and then we can take it further."
"You mean we would all get to smell your farts?" One boy asked.
"And eat your shit?"
"And die as a tribute to your beauty and greatness?"
"Maybe." Priya said, blowing her fingernails. "But for any of that, we will need your father's permission. And that won't be easy to get."
"Leave that to us, Priya. We will take care of it." The boys replied. Minutes later, their father arrived to take them home. The boys crowded him even as he arrived. "Papa, we want to die for the babysitter. Please let us go."
"What do you mean you want to die for her?" The professor asked.
"If you give us permission, Priya would give us the greatest blessing. She'd make each of us die for her."
"But what's the use of a blessing if you're only going to die for her anyway?" The professor struggled. He understood the brainwashing power Priya had on his children, and realized that there was no way of getting them out of it.
"Papa, please just give us permission. We need the blessing from the goddess." The boys squealed.
"No, I've had enough of this." The professor said. "I'm not letting any of you die for that babysitter girl. In fact, I'm firing her right away."
Even as he made his way into Priya's house, he realized that he was far too late.


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This is THE solution for your 2004 – 2007 QX56 with the unusable factory rack sytem.
This particular QX56 is a 2008 and was needing a cargo box. We started by installing a Thule TK14 Footpack kit, Thule 430 Tracker II tower, a pair of 50″ Load bars nad a 4-pack of Thule Lock Cores
The 430/TK system has a quick release feature to remove the bars in a matter a minutes once unlocked. Using this system between the factory racks allows for a narrow enough bar spread that any Thule or Yakima box will attach. This vehicle has the Thule 688BXT Atlantis 2100 in Gloss Black which provides maximum cargo capacity with great looks and aerodynamics. Any Thule Ski, bike, or boat accessories can also be mounted easily to this crossbar.
Another great solution from your local Rack Attack. Stay tuned for more fun setups.


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- 8/1/14 /
- Comment
Chris Messina Is a Huge Cheater in This New Sam Smith Video
He's not very nice to Glee's Dianna Agron.
Skip to content, or skip to search.
He's not very nice to Glee's Dianna Agron.
Jessica Chastain, Melissa Leo, Adam Scott — all roads lead to Neptune!
President Obama takes inspiration from Vanity Fair.
From the cast of Moneyball to Glee, check out last night's Red Carpet at the SAG Awards.
Let us know who you think needs to have a serious talk with their stylist tomorrow.
Is Dianna Agron to blame?
Also known as the first movie made from James Frey's fiction factory.
"And if your eight-year-old has a copy of our GQ cover in hand, again I am sorry. But I would have to ask, how on earth did it get there?"
So who will play Gwen Stacy?
Also, 'Glee' star Dianna Agron is a contender for the film's Gwen Stacy.
Hunky aliens are the new hunky vampires.
Everyone who's anyone, and anyone who's dressed.
Plus: 'Glee''s Quinn to date an alien.