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VIEWS: 12 PAGES: 16 CATEGORY: Business POSTED ON: 11/10/2010
Life Insurance Value in Gold Coins document sample
10 Reasons To Own Gold By John Embry 1 Global Currency Debasement The US dollar is technically very weak and should fall dramatically. Other countries are ve r y re lu c t ant to s e e t h e i r c u r re n c i e s appre ciate and are resisting the fall of the US dollar. Thus, we are in the early stages of a massive global currency debasement which will see tang ibles (most particularly gold), rise significantly in price. 2 Investment Demand for Gold Is Accelerating When the public recognizes what is unfolding, they will seek an alternative to paper currencies and financial assets and this will create an enormous demand for gold. 3 Alarming Financial Deterioration in the US The current amount of the deficit has reached levels which have portended currency collapse in virtually every other instance in history. 4 Negative Real Interest Rates in Reserve Currency (US Dollar) To combat the deteriorating financial conditions in the US, intere st r ate s have b e e n dropp e d to ro ck b ottom le vels, re a l interest rates are now negative and, according to statements from the Federal Reser ve, are expected to remain so for some time. There has been a very strong historical relationship between negative real interest rates and stronger gold prices. 5 Dramatic Increases in Money Supply in the US and Other Nations US authorities are terrified about the prospects for d e f l a tion given the unprecedented debt burden at all levels of society in the US. Ben Bernake is on record as saying the Fed has a printing press and will use it to combat deflation if necessary. Other nations are following the US's footsteps and global money supply is accelerating. 6 Central Banks are Nearing an Inflection Point When They will be Reluctant to Provide More Gold to the Market Far Eastern central banks who are accumulating enormous quantities of US dollars are rumored to be buyers of gold to diversify away from the US dollar. 7 Gold Is Increasing In Popularity Prominent developing countries such as China, India and Russia have been accumulating gold. In fact China with its 1.3 billion people recently established a National Gold Exchange. Demand in China is expected to rise sharply and could reach 500 tonnes in the next few years. 8 Gold as Money is Gaining Credence Islamic nations are investigating a currency backed by gold (the Gold Dinar), the new President of Argentina proposed, during his campaign, a gold backed Peso as an antidote for the financial catastrophe which his c ou nt r y has e xp e r ie nc e d and Russi a is t a l k ing ab out a f u l ly convertible currency with gold backing. 9 Rising Geopolitical Tensions The deteriorating conditions in the Middle East, the US occupation of Iraq, the nuclear ambitions of North Korea and the growing conflict between the US and China due to China's refusal to allow its currency to appreciate against the US dollar headline the geopolitical issues, which could explode at any time. A fearful public has a tendency to gravitate towards gold. 10 Limited Size of the Total Gold Market Provides Tremendous Leverage All the physical gold in existence is worth somewhat more than one trillion US dollars while the value of all the publicly traded gold companies in the world is less than one hundred billion US dollars. When the fundamentals ultimately encourage a strong flow of capital towards gold and gold equities, the trillions upon trillions worth of paper money could propel both to unfathomably high levels. BUYING GOLD AND SILVER By Jim Kerben If you are considering buying gold and/or silver the first question you should ask yourself is "What am I trying to accomplish?" The answer to this question will guide you through the rest of this process. Suppose you are thinking that gold or silver would be a good investment. The first thing you need to realize is that if you start today with 10 troy ounces of gold, in 20 years you will still have only 10 ounces. There is no interest, no div i dend or any other expansion of the amount you hold. The only way your investment will pay is if the price of gold increases. O t he r t y p e s o f investments may pay interest or a d iv i d e nd and inc re as e t he amount of d ol lars that you have, even if the price does not change over time. Mo st p e opl e, w hen aske d w hat t he y are trying to do will answer that their purp o s e i s t o p r o t e c t t h e i r a c cumulated wealth. Stated another way, they are looking for insurance against loss of value. For this purpose, gold and silver are ideal. The best illustration of this is the $20 gold piece minted prior to 1933. At that time, gold was valued at $20/troy ounce. That one gold piece would buy a very nice man's suit. Fast forward to today, that gold piece is worth over $1000. So, to carr y the analogy further, that gold piece would still buy a very nice man's suit. Let's look at what happened. At first glance, most people would say that the price of gold increased from $20 to $1000/ounce. This is not accurate. Gold still buys the same amount of goods and services that it did in 1933. Gold stayed pretty much constant. The value of the dollar fell by a factor of 50 so that it takes 50 times more paper dollars to buy the same amount of goods and services than it did in 1933. Looking forward, you must ask, will the dollar buy more or less in 10, 20, or 30 years. The gold you have today will allow you to buy the same amount of goods and services that your money will buy today, 10, 20, or 30 years from now. Looked at in this way, gold and silver become a way of preserving your wealth. They are a form of wealth insurance. Most Europeans have long held 10–20% of their net worth in precious metals for this very purpose. They have a history which includes hyperinflation, government changes, borders that have moved and two world wars. The durability of gold has served them well through all sorts of political unrest. In fact, it is the only constant in a world subject to change. WHAT TO BUY You have now made the decision to make a purchase and are faced with the decision of what to buy. There are many ways to own gold, coins, bars, old coins, jewelry, etc. Since they are all a way to accomplish the same task, we should look at some of the differences. In today's market, there are a couple of different ways to buy gold. Bullion coins and bars would be one way. The other is collectible coins. Which is better? They both have advantages and disadvantages. Let's first look at the difference. Bullion coins are sold by weight. This is the common definition of bullion. Collectible coins are sold by a complex pricing structure that includes, but is not limited to gold weight. It is valued as a collectible. You might also hear the term numismatic used to refer to collectible coins. This is a bit of a misnomer. The term numismatics refers to the study of money. Although coin collectors are referred to as numismatists, the study of money can include many different things besides coins. Paper money is included and one can certainly c ol l e c t mo de r n c oinage as a hobby or num is matic pursuit. For our purposes, we'll call older coins "collectibles." In 1933, FDR, in a desire to remove the United States from the international gold standard, issued an order to the public to turn in all gold coins, bullion and gold denominated paper bills. People were paid at par value for these items. After this was accomplished, he immediately devalued the dollar by raising the "official" price of gold from $20 to $35/ounce. This has become known as the gold confiscation. The order made the following exceptions: gold used in industry or profession; gold held in trust for a foreign government and coins having a "recognized special value to collectors of rare and unusual coins." It is this phrase that leads some dealers to claim that collectible coins are exempt from any future act because of this phrasing. Other dealers will claim that bullion is the best way to buy because it does not have the collectors premium and thus the price is closer to the value of gold itself. This issue is one that you should have resolved one way or another when you go to buy. It will determine what you buy and as a consequence, how much you pay. Using our analogy of insurance, one is basic coverage and the other is a more expensive coverage. Whether the more expensive model gives you more protection is a matter of opinion. You should know what you believe about this. GOLD PRICING The w ay gol d and si lve r are pr ic e d is t he s ource of a lot of misunderstanding. Most people look at the "spot price" and try to figure out how everything relates to that. The "spot price" for gold is the price per ounce of a 100 oz. gold bar used to fulfill a futures contract on the Comex, or New York Commodity Exchange. Gold producers sell their gold (sometimes before it is produced) on a forward con- tract to a buyer. On the day that is specified by the contract, the settlement price is . called the "spot price" These contracts can vary in length of time and they all have the same physical amount of gold, 100 ounces. If you are a gold user and buy a contract, you will receive a 100 oz. bar as settlement if you wish. To produce a more saleable product, you must then melt the bar and put it into discs for coins or smaller bars. There is a cost involved. Then, a design or pattern is stamped into the gold disc or bar. There is a cost involved in this. Once these coins or bars are produced, the manufacturer must market these to companies which sell these to the public. There is an additional markup involved here. As you can see, the costs and markups will put the price well above the "spot price". Further, collectible coins have scarcity, condition, and other factors which also af- fect price. In periods of high demand, the market may also move ahead of the price. An example of this is when the producers around the world cannot produce any more coins than they are currently making. An increase in demand will not affect the spot price at all since the producer is already buying as much gold as they can produce. What happens then is that the premium for coins that already exist increase even though the spot price hasn't changed. In the long run, the price of gold is secondary to the purpose of holding it. Remember our insurance analogy. If you buy gold today and sell it in ten years for a profit, you have done well. If, in ten years, the price of gold is less than what you paid, the difference is the cost of insurance. Spread out over ten years, it is probably a small cost indeed. This also explains why most dealers will tell you that the longer you hold gold the better off you will be. Most of us would be hard pressed to find another form of insurance that pays you the premium back if we don't use it. Life insurance is probably the only one and there is certainly a cost involved there. The key thing to remember is that "spot price" is the price for a gold contract and that there are several steps involved in putting gold into a form that is saleable in today's market. Anyone claiming to sell at or near spot is probably buying from an unwitting public at 20–30% below spot. QUALITY AS A PRICE CONSIDERATION A confusing part of metals quality revolves around the issue of purity. Coin purity can range from 90% up to 99.999% pure. Purity is not as important as content. An American Eagle is 90% pure. It has copper mixed with it to harden the gold. A Canadian Maple Leaf is 99.999% pure. They both contain 1 oz of gold. Therefore, their price is similar. The Eagle will weigh more as a coin, even though the gold content is the same as a Maple Leaf. Along these same lines, most coins have a nominal amount of metal and an actual amount of metal. Since these coins are already made and no on will melt them down to extract the metal, they will trade at their nominal amount. An example is the $5 Liberty or Indian. They are ¼ oz nominally, although the actual amount of gold is .24187 oz. Even though they are slightly less than a full ¼ oz., they are priced and traded as though they were a full ¼ oz. Another quality consideration is coin grading. High graded collectibles are graded and encapsulated in tamper proof plastic holders by two recognized sources, NCG and PCGS. Generally, MS 60 and higher are treated this way. In addition, very rare specimens known only in lesser grades can also be graded this way. As long as the plastic holder is intact, once graded, these coins are easily bought and sold as known quantities. There are also known to exist, rolls of silver coins which have never circulated. These BU (Brilliant Uncirculated) specimens are often found in their original wrappers and are best not handled as their value could drop should the coins become scratched or altered. Finally, a condition known as toning is often associated with silver coins. Interaction with chemicals in ambient air can produce this effect and it is not considered a flaw or detriment to the coin. In fact, some collectors see it as a sign of authenticity. HOW TO OWN GOLD AND SILVER IN YOUR IRA If you currently have an IRA or a qualified plan such as a 401(k), 403(b), etc most likely your plan does not allow you to own physical gold or silver in your account. If that is the case, there is a way to do it that is relatively easy and inexpensive. What follows is a step by step explanation of how to do it. The first step is to find a custodian that will allow such a transaction. There are several including Sterling Trust Company, Goldstar Trust Company and Entrust. There are many others.These three are the most experienced with holding metals. Once you select a custodian, you will need to open a self directed IRA. This involves a minimum amount of paperwork and a fee to set up the account. Once you have the account established, it needs to be funded. If you already have an IRA, the money can be transferred to your new IRA. If you have a qualified plan, you can rollover assets to your new IRA. CAUTION. If you are still contributing to your plan, or are still employed by the plan sponsor, they may not let you rollover your money. Before you open your new account, make sure you can fund it the way you intend. Another option for funding would be to begin to make annual contributions to your new account. Currently, the maximum allowed is $5000.00 a year with an additional $1000.00 if you are over the age of 50. The new custodian (Sterling, Goldstar, Entrust) will transfer the funds for you. Your other option is to make the withdrawal yourself and then send the check to your new account. The danger here is that this must take place within 60 days of the withdrawal date or you will be liable for taxes on the withdrawal. Please note, the transferring of money from one custodian to another does not make you liable for the 10% early withdrawal penalty. You did not make a withdrawal, you transferred the assets from one custodian to another. Once your new account is funded, you can then direct your broker to purchase gold, silver, platinum and palladium for your account. Your broker will withdraw payment for the purchase and send the appropriate amount of metals to the custodian's storage facility. The storage facility will report the receipt to your custodian and show the metals in your account. French 20 Franc (Angel) French 20 Franc (Rooster) Swiss 20 Franc Fine Gold Content: Fine Gold Content: Fine Gold Content: .1867 Troy oz .1867 Troy oz .1867 Troy oz Fineness: 90.00% 21.6 Karats Fineness: 90.00% 21.6 Karats Fineness: 90.00% 21.6 Karats Diameter: 21.0mm Diameter: 21.0mm Diameter: 21.0mm British Sovereign South African Krugerrand Fine Gold Content: Fine Gold Content: .2354 Troy oz 1 Troy oz Fineness: 91.67% 22 Karats Fineness: 91.67% 22 Karats Diameter: 22.05mm Diameter: 32.6mm Canadian Maple Leaf Austrian Philharmonic Fine Gold Content: Fine Gold Content: 1 Troy oz 1 Troy Oz Fineness: 99.99% 24 Karats Fineness: 99.99% 24 Karats Diameter: 30.0mm Diameter: 37.0mm American Eagle Liberty St Gauden's Fine Gold Content: 1850–1907 1908–1932 1 Troy oz Fine Gold Content: Fine Gold Content: Fineness: 91.67% 22 Karats .9675 Troy oz .9675 Troy oz Diameter: 32.7mm Fineness: .900 21.6K Fineness: .900 21.6K Diameter: 34mm Diameter: 34mm American Buffalo Indian Fine Gold Content: 1907–1933 1 Troy oz Fine Gold Content: Fineness .999 24K .48375 Troy oz Diameter: 32.7mm Fineness: .900 21.6K Diameter: 27mm American Eagle Morgan Dollar Peace Dollar Fine Silver 1878–1921 1921–1935 Content: 1 troy ounce Fine Silver Content: Fine Silver Content: Fineness .999 Pure Silver .7734 Troy oz Fineness: .7734 Troy oz Diameter: 40.6mm 90.0%Pure Fineness: 90.0%Pure Diameter: 38.1mm Diameter: 38.1mm Walking Liberty Half Dollar Kennedy Half Dollar 1916-1947 1964 Fine Silver Content: Fine Silver Content: .36169 Troy oz. .36169 Troy oz. Fineness: 90.0%Pure Fineness: 90.0%Pure Diameter: 30.6mm Diameter: 30.6mm Modern Commemoratives Merc Dime 1982–Present 1916–1945 Fine Gold Content: .24187 Fine Silver Content: Troy oz Fineness: .900 21.6K .07234 Troy oz Diameter: 21.6mm Fineness: 90.0%Pure Diameter: 17.9mm Free Lakota Bank Ludwig von Mises Clean Silver Rounds "Crazy Horse" 2009 2009-Present Fine Silver Content: 1 troy Fine Silver Content: 1 Troy oz Fine Silver Content: 1 troy ounce ounce Fineness: .999 Pure Silver Fineness .999 Pure Silver Fineness .999 Pure Silver Diameter: 39mm Diameter: 39mm Diameter: 39mm HOW TO BUY To begin the process, all you need to do is call 800–686–2237. Our brokers will take your information and work with you to insure you are investing in coins that will meet your investment goals. When you have decided on an order, your broker will give you the total amount due and a trade number. The trade number will lock in your price for five business days and is a binding agreement for the purchase. Regardless of the fluctuations in the price of the metals after the trade date, the contracted price is binding on you and on us. In a busy market, prices change rapidly! You will send in your payment, either by check, money order or bank wire to Midas Resources within those five business days and the processing of your order will begin. Your broker will notify you when your order has been shipped and will give you a registration number to track your shipment online. All orders are shipped registered and insured by the U. S. Postal Service. The USPS requires signature upon delivery of registered mail and is the safest delivery method aside from picking it up yourself. Midas Resources has excellent record of delivery for over a decade. Our brokers are ready to answer your questions and help you get started. Your future is too precious to postpone. Don't delay, call Midas Resources today. 1–800–686–2237
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Tags: China, South China Sea, Vietnam
Monks and Maritime Strategy?
By CDRSalamander
Well, we had to deal with Vietnam's Buddhist monks a few decades ago … I guess now it is China's turn.
Vietnam said earlier this week that six Buddhist monks will soon take up residence on one of the Spratlys. The monks, who reportedly will stay for the next year, belong to the government-sanctioned wing of the Buddhist church.
In all seriousness though, this has all the ingredients; oil, sea lines of communication – and overlapping claims that adds fuel to it all.
…to re-establish abandoned temples on islands that are the subject of a bitter territorial dispute with China.
The temples were last inhabited in 1975, but were recently renovated as part of efforts to assert Vietnamese sovereignty over the Spratly Islands.
The monks' delegation is being organised by the local authorities in the southern province of Khanh Hoa, which exercises administrative responsibility for the islands on behalf of Vietnam.
It has also paid for the refurbishment of the island shrines. They include three larger temples and several smaller ones.
The monks have been appointed abbots of the island temples for a six-month period.
Along with China and Vietnam, parts of the islands are claimed by the the Philippines, Brunei, Malaysia and Taiwan.
To get the Monks there takes just a boat – to keep them there or to kick them off takes the ability to project naval power ashore.
Is this a provocation? Of course. The billion dollar question is; what national security concern is this of ours? If it isn't, when does it become one, if at all?
Tags: China, South China Sea, Vietnam
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The BMO Harris Bradley Center is home to three sports teams; the NBA Milwaukee Bucks, the AHL Milwaukee Admirals, and the Marquette University Golden Eagles NCAA men's basketball team. Celebrating more than 25 years of providing the most diverse lineup of sports and entertainment ... (See all)
Home to the Milwaukee Bucks, Milwaukee Admirals, and Marquette University Golden Eagle's. Have you seen the new, custom‐designed scoreboard? Fear the Deer! Read more
Cheered hard for the Bucks and used the #FearTheDeer hashtag!
RING OUT AHOYA! #mubb Read more
Did you know Bradley Center is the oldest active arena in the NBA?
Use the #GoBucksGo & #FearTheDeer hashtags while cheering on your hometown Bucks!
Ground breaking for the Bradley Center began in October 1986 and opened its doors two years later on Oct 1, 1988. The first Bucks game at the BC was Nov 5, 1988 in front of a sellout crowd of 18,649.
Catch a ball during a Milwaukee Mustangs Arena Football game. Finders, keepers! (No, really, you can keep it.)
Bring your dancing shoes! The Bradley Center is home to a "house-band" named StreetLife that is regarded as the best in the NBA.
Catch an Admirals game. Best sports value in town.
Follow Marquette basketball on Twitter @muathletics and with the #mubb hashtag
Watch the Milwaukee admirals!
Doors for Bucks games open 1 hour before tip-off which is 7pm M-Th & 7:30pm F-Sa.
Check out the NEW Loaded Dog Stand behind section 216 for a hot dog will all the fixings! Try the Heater, Tailgate on a Plate, Nach-Yo Dog or a classic Chicago Dog you can't go wrong!
It's defiantly showing it's age, but still a great venue. Check out they Wisconsin Sports Walk of fame about block away. Kind of neat
Try the roasted nuts by section 205
Need a sweet treat for the kids (or yourself)? Look no further than the Deer Trax Sundae. (Vanilla soft serve with Chocolate sauce, peanuts & Chocolate chips) located behind sections 211 & 225!
The Bradley Center now offers a Gluten Free stand located behind section 217. Check out the new options available for your enjoyment!
fear the deer
While at the Bradley Center check out the BC Pro Shop to see what item of the game deals there are!
Be ready to Ring Out Ahoya if you're going to a Marquette game. Learn the lyrics -
the best things about admirals games? energy of admirals fans after a goal, FIGHTS, and the frosty 4!
Bucks, Golden Eagles, Admirals and Iron games. Concerts.
Just met the Soup Nazi! No soup for you!
Great facility to watch games and concerts. I have watched the Bucks and the Golden Eagles play basketball, as well as see Rascal Flatts perform at the BC.
BMOHBC has a gluten free stand for fans who have gluten allergies - located on level 200 near section 216!
Beware of the employee hotdogs.
Go to an Admirals game.
Join Thunder at the Bradley Center by getting your tickets at
Go to an admirals game! They give away awesome stuff!
Sit down and fill in!!!
6th Street Grill is very good
Bucks, Admirals, Golden Eagles, etc
Come catch us on our "Fans Rule" World Tour! Fun for the whole family. Get your tickets here: http://globi.es/TicketsFoursquare. See you soon!
McGillycuddy's is always the place to be for pre game and post game cocktails!!! And an easy walk.
Drew Gooden is not good at basketball.
Thanks for the awesome shirt
Check out an Admirals game, you won't be disappointed!
Yeah, Qdoba in arena!!!
Bucks, Mustangs, Admirals, and more! (WWE sometimes too)
Whiskey Bar after the game, cocktails, dancing, live music. Valet available, come have some fun!
Catch a ball in the stands and a t-shirt from the real cheerleaders, the Fourth Street Flyers
The team Milwaukee Admirals, the fans, employees and good family environment.
Row R section 426: amazing seats and completely a hidden gem! Right next to the stage. Would book this section again in a minute! Recommend water street brewery flight before hand w/ spiked rootbeer
Need a drink 🍻 Ugly's Pub is a block away, swing by!! 1125 N Old World Third St
🏀 Grab a drink at Ugly's after the game 🍻 1 Block away on Old World Third
Come meet us at The BMO Harris Bradley Center when we play on December 31th! Get your tickets by clicking this link: Read more
What better way to show your school spirit than at a Marquette Golden Eagle basketball game. Good food, great beer and an even better atmosphere.


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Very low clearance garage door--can I install opener?
I have an older house and would like to install an opener. It's a sectional wood door. The problem is that with the door open, there is just about an inch (a little less actually) clearance between the door and the ceiling. Is there any way to install an opener in this situation?
If your door is set up with normal convential track (one smooth continous radius curve) then you can usually install an opener if you purchase quick turn brackets. These are available at any garage door company. They replace the two top V fixtures that you have on the door now, and keep the top section from going up into the high arc that it does now.
You can't install an opener with the space you presently have. If you could buy an opener that utilizes a T rail as oposed to a square tube, you would be further ahead as the T rail can use much tighter available space.
I think Liftmaster is the only one that still offers this. The Chamberlain you would find in the retail stores are now all using a square tube.
I believe you're talking about the Wayne Dalton iDrive door opener. It looks pretty cool! Check the link below:
Here is a link that might be useful: iDrive web page
Thanks for the info. I ended up just installing a conventional opener recessed up into the garage ceiling. The beams run parallel there so I just fit it in between two beams and cut the drywall away to make room for the track and the motor. Seems to work fine. Was not fun to install though.
Chris, your roof trusses span from front to back? or are these floor joists for a room above the garage? FYI: If you have occupied living space above the garage, the the "drywall" you removed is a fire-rated partition that is mandated by most building codes.
I was considering purchasing a Wayne Dalton idrive until I saw Don's posting. Any other suggestions for low clearance garage door openers?
Anyone ever try the side-mounted Miracle Automatic Garage Door Opener?
I had never heard of the Miracle Door opener until you posted. I hope someone that has one will post their experience. There was an old old door opener like this where the motor moved up and down with the door. We called it the monkey on a pole. It was made by Chamberlain and it died as it should. I wish I had taken pictures. And then they slowly got better.
The ad here says they have 25 years of proven operation. At $500 (on sale! regular price-$600) it doesn't surprise me that they aren't extremely popular.
Here is a link that might be useful: miracle opener
My boss has two of these miracle units. Both of which were installed by previous owners. they are at least 5 years old. They have worked great for the 5 years she has lived here but now they need repair. Many of the people i called said they had never heard of these units. A few came down and took a look and just said better to replace them because they had no parts to work on these units and had never seen these units before. I called the manufacturer to get names of local repairman that work on these units. The manufacturer gave me a list of who they had sold to locally but not necessarily anyone who might work on them. After 3 weeks I got a guy who said he works on them and now I am awaiting a quote. There are so few options with lo profile garage door openers. I can sympathize.
We purchased two Miracle Garage Door openers approx. 5 years ago. The Kansas City Company that we purchased them from is not longer in business. I have contacted serveral
companies and they either have not heard of them or can not
repair this type of doors. Our doors are in need of adjustments. DOES ANY ONE KNOW OF A GARAGE DOOR SERVICE THAT CAN WORK ON MIRACLE DOORS IN THE KANSAS CITY AREA?
On models such as the "Miracle", it is paramount to keep the door springs properly adjusted and the lubrication up to date.
Other than the limit adjustments, the roller tension is about the only critical adjustment that are available.
When this low ceiling problem was encountered, the operator was located 10' back from the full open position of the door and a 10' piece of EMT was adapted to fit the door and "J" bracket.
Thanks, snoonyb. I'm not sure though that I understand your statement regarding setting the operator back 10' from the full open position of the door along with some type of adapter and "J" bracket.
Would you by chance have any pictures to help explain?
I've got a 7' high door. Ceilings are taller - maybe just under 8' (e.g. 7' 10"). My issue is I have 2 large beams that are parallel to the garage door holding up the floor joists above them (below a garage), which have a clearance of 7' 3". And they sit right at 8'0" from the garage door. Looks like I would be able to install a garage door using low profile tracks, but clearance of an electric opener is questionable as the door and any track would have to fit within that 7'3" clearance when open.
I'm hopeful but looking at other options as well. This is what lead me to this page and my question regarding any new technology that came around since this thread started. Any help or comments is much appreciated!
I need some clarification.
"My issue is I have 2 large beams that are parallel to the garage door holding up the floor joists above them (below a garage), which have a clearance of 7' 3". And they sit right at 8'0" from the garage door."
Is your garage under a garage?
Are the support beams tandem or do they occur at 8' oc, IE. 8' and 16' respectively away from the garage door?
We refer to it as a storage and mechanical area, but yes, it is beneath a garage. For garage support above, the storage area has 2 large beams beneath the floor [ceiling] joists.
Each beam is approximately 8' apart and the beams are parallel to the garage door on to which I want to install the garage door opener. It appears we have about 3" of space to play with beneath the closet beam which seems a bit small. The door and header themselves have more than enough room (maybe close to 8' height), but the track of the opener must go beneath the beam closest to the door. That beam has a 7'3" clearance.
Looking for any thoughts or suggestions as to how, or if, I can install a door opener in this limited space.
Thanks, that helps.
Most door openers are available with either an 8' or 10' track bar.
In this case I would use the 10'.
Mount the included header bracket on the back side, near the lower edge, of the first header away from the door, which then allows the track bar to be held close to the bottom of the second header back and the operator to be hung from the ceiling framing.
Using a 10' length of elec. EMT, slightly flattened, from both sides, on each end, to create a pocket for the provided "J" bar and extension bar. With 2 bolt holes drilled in each pocket end for adjustment, insert each and attach to the door and operator according to the sectional door section of the enclosed instructions, and proceed.
Thanks for the response, Snoonyb! Although I won't pretend that I understand it all, it makes basic sense. I'll keep the information for when the garage door installer comes and read it over with them. I'm hoping they will make sense of it all and understand what needs to be done. Really appreciate the help!
The point about the removed drywall and fire rating (not to mention loss of insulation) is a good one.
If there's enough room, and there really is no other way to do it, you might be able to insulate the recess with something compact like ISOBOARD, and drywalled over.


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Martin Luther King Topics
Democracy Now! stories, posts and pages that relate to Martin Luther King
- Forty years ago today, Dr. Martin Luther King gave the speech "Beyond Vietnam: A Time to Break Silence." It was April 4, 1967 — a year to the day before he was murdered. He was speaking at the Riverside Church here in New York. King billed the speech as a declaration of independence from the war and called the United States: "the greatest purveyor of violence in the world today." [includes rush transcript]April 04, 2007 | Story
- Amy's column remembering Martin Luther King Jr.January 19, 2007 | Columns & Articles
Dr. Martin Luther King Jr. in Memphis on April 3, 1968: "Let Us Develop a Kind of Dangerous Unselfishness"In March of 1968, King came to Memphis to support striking African-American sanitation workers who were demanding better working conditions and facing massive resistance from white city officials. He was assassinated on April 4, 1968 — days before he was to lead a march in Memphis. The night before he was killed he gave his "I Have Been to the Mountaintop" speech. [includes rush transcript]January 15, 2007 | Story
- The Rev. Jesse Jackson, Rev. Joseph Lowery and Herb Boyd reflect on the legacy of freedom fighter Coretta Scott King, the widow of Martin Luther King Jr. [includes rush transcript]January 31, 2006 | Story
- Today is Martin Luther King, Jr. Day. He was born January 15, 1929. If he lived, he would have turned 77 years old. In the early 1960s, King focused his challenge on legalized racial discrimination in the South where police dogs and bullwhips and cattle prods were used against Southern blacks seeking the right to vote or to eat at a public lunch counter. After passage of Civil Rights Act of 1964 and the Voting Rights Act of 1965, King began...January 16, 2006 | Story
- Malcolm X was born 80 years ago today. To commemorate the occasion we hear a speech by Columbia University professor Manning Marable chronicling his life. Marable is currently working on a major new biography of Malcolm X which is tentatively titled, "Malcolm X: A Life of Reinvention." [includes rush transcript]May 19, 2005 | Story
- Today is the 37th anniversary of the death of the Rev. Dr. Martin Luther King, Jr. He was assassinated on April 4th, 1968 in Memphis, Tennessee. We hear an excerpt of his "Beyond Vietnam" speech that he delivered a year to the day before his death. [includes rush transcript]April 04, 2005 | Story
Remembering Ossie Davis 1917-2005: Maya Angelou, Harry Belafonte, Bill Clinton Pay Tribute to the Famed Actor & Civil Rights ActivistOn Saturday thousands of mourners filled Riverside Church in Harlem for the funeral of Ossie Davis. Davis died Feb. 4 while on location for a film in Florida. He was 87 years old. For five decades, Ossie Davis led a distinguished career as an actor, playwright and director. Along with his wife, Ruby Dee, he was a renowned civil rights activist and an unforgettable figure in the African American struggle for equality. Speakers at...February 14, 2005 | Story
- "This is analogous to stopping the circulation of all the books about Martin Luther King, stopping the circulation of all the books about Malcolm X," said Lawrence Guyot, a prominent civil rights leader with the Mississippi Freedom Democratic Party. "I would call upon everyone who has access to 'Eyes on the Prize' to openly violate any and all laws regarding its showing." We talk to Guyot about a national grassroots...February 08, 2005 | Story
- Actor and civil rights activist Ossie Davis died Friday in Miami Beach. He was 87 years old. For half a century, Davis led a distinguished career as an actor, playwright and director. Along with his wife, Ruby Dee, he was a renowned civil rights activist and an unforgettable figure in the African American struggle for equality. We spend the hour remembering Ossie Davis: From his eulogies to Malcolm X and Martin Luther King to his opposition to...February 07, 2005 | Story
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Monday, October 04, 2010
20 comments
Starting to think about how I will manage while travelling.
Remember portion control!
Read more
Saturday, October 02, 2010
12 comments
After tracking yesterday and coming in right on my lower range I decided to track the food I ate while out at 3.30 in the morning as my b'fast as my last meal was at 9pm.
So b'fast was 50 grams of nachos and 100 grams of french fries and a... Read more
Friday, October 01, 2010
11 comments
Last weekend the game was a draw! 3rd time in history of the game.
Even although neither of the teams in the Grand final are The team I normally follow, there is a group of ex-pats meeting at a place called the California Cantina in Provo... Read more
Thursday, September 30, 2010
20 comments
That got you all looking!
Read more
Tuesday, September 28, 2010
25 comments
This has been a long time coming!
This has been the longest I have ever taken to lose this 5Kgs / 11lbs . I have another 15kgs/ 35lbs to go before I get to goal weight. Read more
Monday, September 27, 2010
18 comments
Had a relaxing sunday after our great ride through the La Campana National Park on Saturday. Both DH and I couldn't work out why we were feeling so cold. I ended up having a really hot shower just to warm up. Read more
Sunday, September 26, 2010
13 comments
DH, Graeme's first time on a horse!
some of the glorious scenery on the way up.
Read more
Friday, September 24, 2010
19 comments
Woke up early today and felt refreshed.
Discussed with DH if I should do scheduled strength training t... Read more
Thursday, September 23, 2010
10 comments
Went to the International Association of Chile open house this afternoon. and while having a general chit chat i was asked "what do you do with your time?"
So I told them all about the wonderful time I have here! and how successful I have b... Read more
Wednesday, September 22, 2010
14 comments
Forced myself out of bed! Had a sleep in the late afternoon yesterday, then couldn't get to sleep till 2am!... Read more
Tuesday, September 21, 2010
10 comments
Well the 4 day long weekend has been and gone!
Dh back at work and I was up early and off to the hospital for day 4 of a 5 day treatment ordered by the Specialist last week .
Read more
Monday, September 20, 2010
14 comments
Had planned to start Strength training last Friday but it did not happen, so today despite a hypoglycaemic episode after my 25 min warm up walk it got done!
I did the 6 mins butt blaster and the 20min dumbbell workout using 3Kg weights . ... Read more
Saturday, September 18, 2010
13 comments
It is 1045pm , just tracked my nutrition for today and it has gone the highest since I started with Sparkpeople 7 months ago, but it is not every day you help a country celebrate 200 years of independence from a colonial master! Read more
Friday, September 17, 2010
15 comments
Remember the children's book titled "Would you rather?".............
Well I did. The reason, almost got... Read more
Thursday, September 16, 2010
15 comments
I have been on the lookout for weights for ages, finally found a shop who sells them yesterday, but was already loaded with other shopping so headed back there today and bought 2 x3KG weights.
I will now go into my exercise tracker and get... Read more


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Angel Tree campaign kicks off today
Posted: 11/19/2010 - The program, organized by the Salvation Army, provides Christmas presents and clothing for disadvantaged children around central Kentucky.
Posted: 11/19/2010 - The program, organized by the Salvation Army, provides Christmas presents and clothing for disadvantaged children around central Kentucky.
Posted: 11/19/2010 - Frankfort Police say the Taco John's on Lawrenceburg Road was held up just after 8 Thursday night.
Posted: 11/19/2010 - Forestry officials also lifted fire bans Friday for much of the Daniel Boone National Forest, including Cave Run Lake. Clark County also lifted a burn ban Friday.
Posted: 11/19/2010 - The family of a man for died after nine days in a Madisonville nursing home has won a $42.75 million verdict.
Posted: 11/19/2010 - As of Thursday night, Kentucky leads by 276.
Posted: 11/19/2010 - Police say in some instances, the clerks have first called a manager before calling police.
Posted: 11/19/2010 - Police say two men came into a Lexington home, looking for their cell phones when the shooting happened.
Updated: 11/19/2010 - Five years ago, NEWSFIRST brought you the story of an 18-year old woman whose body was found on North Cleveland Road in Lexington. Now police hope new clues in the case can help them find her killer.
Updated: 11/22/2010 - A country music star from central Kentucky says he is battling cancer.
Updated: 11/18/2010 - Lexington Police are looking for a suspect after another robbery.
Posted: 11/18/2010 - Prosecutors in the case against a woman convicted of trying to extort millions from University of Louisville basketball coach Rick Pitino are asking a court not to grant her request to disqualify the judge in the case.
Posted: 11/18/2010 - The Kentucky Supreme Court has reversed a Franklin County murder conviction based on a claim of inneffective appellate counsel.
Posted: 11/18/2010 - The Kentucky Retirement Systems board of trustees will require larger contributions from local governments to cover the rising costs faced by the County Employees Retirement System in the coming year.
Updated: 11/18/2010 - East Kentucky Power officials say they're now looking for new energy efficiency programs and renewable energy options instead.
Updated: 11/18/2010 - Jimmy Eubanks was attacked by a man hiding out in some trees after he stopped to check out a toolbox laying on Roachville Rd. in rural Taylor County.
Updated: 11/18/2010 - It's a case investigators have been trying to solve for months. Three men were found shot to death at a home in Clark County in March. Now an organization is trying to help police find answers in the triple murder.
Updated: 11/18/2010 - Nicholasville Police say they later arrested the suspect, 26-year-old Erik Reynolds. Neither the woman or her baby were hurt.
Posted: 11/18/2010 - Police say Ricky New didn't get very far before being arrested Thursday.
Posted: 11/18/2010 - The rate was 0.1 percent lower in October. State officials say about 7,300 people were added to the workforce.
Updated: 11/18/2010 - The Scott County Grand Jury returned the indictment against Mindy Hughes Turner Thursday afternoon. Police say she stabbed her boyfriend, Maxwell Pomeroy, to death in August.
Posted: 11/18/2010 - The decision cuts the Kentucky Public Service Commission out of the decision.
Updated: 11/18/2010 - The Amen House in Georgetown plans to give out baskets full of the Thanksgiving essentials to needy families.
Updated: 11/25/2010 - Tim Profitt was charged with assault, following the incident last month outside KET Studios in Lexington.
Updated: 11/18/2010 - The Kentucky native was honored with the 2010 Ripple of Hope Award in New York Wednesday night.
Updated: 11/18/2010 - Two months after a dog died from injuries suffered while being dragged behind a vehicle in Clark County, police have not made any arrests in the case.


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(NORTH HOLLYWOOD, CA) -- Serving up a buffet of excellent all-anal action, Colossal Entertainment's Assfeast 2, in stores now, is a who's who of some of the best female performers who take it up the butt.
Starring Julie Night, Roxanne Hall, Katja Kassin, Trina Michaels and AVN Award winner Venus, the latest installment of the Assfeast series is a worthy addition to the first volume, which garnered a AAAA review from AVN.
"What we're looking for is exceptional anal ability in Assfeast," Brad Baer, Colossal sales manager, said. "We got a great response from the first Assfeast, not just from the critics but from the fans as well. I'm sure this volume, with its over-the-top performances, will please the consumers and critics again."
Colossal's next release will be Cum Addicts Anonymous, released later this month.
"Cum Addicts Anonymous will feature fairly new girls to the business in excellent scenes," Baer said. "I'm sure it'll be received much the way Assfeast was. As in all of Colossal's titles, the sex is solid and the production quality is high."
For more information, visit ColossalEnt.com. Distributors may contact Brad at (818) 506-4223, fax (818) 508-2228, or email him at firstname.lastname@example.com.
About Colossal Entertainment:
Founded in 2004, Colossal Entertainment strives to produce high quality adult productions, such as Bitches in Heat, Ripe for the Pipe, Fuck Me Hard and Cum on My Face, Ass Feast, 2 Chicks and a Cock and the soon to be released Vanilla Cream Pie. Colossal's stable of experienced industry directors includes Dan Silver, Martin Del Toro, Marc the Saint and Santino Ferrari.
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RockNSeXXXy Welcomes Billy Blair
Karaoke XXX Needs New Location
Jane & Ward Hosting XRCO
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Derrick Pierce Interview
The News Rack: Naked Swingers
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Kendra Lust in Detroit
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Global Adult Industry Association
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Deep Vision ThunderRama
Hackin Jack vs Chainsaw Chick
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Fake Test Results
Angelyne on Amber Lynn's RNSU
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Siri Wins Round 2
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Stripclub Microbrewery on CNN
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Our Father ~ Reviewer Rated
Nikki Phoenix Album Released
Passport to Hustler Event
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Asianmodelpalooza 14
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Nikki Phoenix Karaoke XXX
Nina Elle Retains Star Factory
Tasha Reign Grads UCLA
Tera Patrick Hosts Vivid Radio
It's Just Work
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CET Free Panel Month
Miss LA Karaoke XXX
Freedom Acres Location
Summer Lovers
Nikki Delano at Centerfolds
Karen Summer Returns
Advertise on AINews
Cytherea Auctions Fan Scene
Entertainment is Entertainment is Entertainment
Yoga for Lovers
Layla Price Stars
Maddy O'Reilly is Slutwoman
Powersville Re-Energized
XRCO Awards Nominations
Summer Brielle Elegant Angel
Damsels in Distress Released
Damsels in Distress Live
Madison Christmas Spectaculars
TSA Explosives Test on Ryder
Bailey Blue is The Animal
LFC/WalMart Deal
Free Vegas Weddings
Wedding Night Porn
Sunny Lane in Feature Movie
Capri Cavanni Releases
Ryder Completes Grease XXX
Love Boat XXX Song
Capri Cavanni in Love Boat XXX
Love Boat XXX Trailer
Love Boat XXX Parody
CineKink in Chicago
Screening - Risky Business
Hollywood Undead Video
A&E Announces Grease XXX Cast
New Alexis Golden DVD
Ryder Directs Grease XXX
Adult Film Industry Documentary Screening
Britney Amber NightMoves Nom
Dana Vespoli NightMoves Noms
Oz XXX Trailer Released
Lea Lexis in New Voracious
Berlusconi Sex Tape Sale
Grindhouse Premieres That's Sexploitation!
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Gamelink, Elegant Exclusive
Sex in Venice
Angelina Castro Reality Series
Grindhouse Fest Tuesday
Public Sex, Private Lives Premieres
Capri Cavanni on Fire
Farrah Superstar Airs
Farrah Superstar: Backdoor Teen Mom
Brandy Aniston to XRCO
Lucky Devil at XRCO
X-Play XRCO Sponsor
Capri Cavanni Live
Upcoming Brandy Aniston Releases
Love Boat XXX Wraps
Farrah Abraham Sex Tape
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Film News Section Index


text:
Originally posted by finkidz5:
Would it be possible to have locked threads automatically moved to the second page? In OT for example, threads are often locked due to the nature of the forum, and the first page, at times, is cluttered with these threads.
Probably not, the threads are sorted in order of which was posted in recently


text:
Recent Headlines
in Sports
NCAA Tournament on KPUG: Michigan State vs. Louisville 11:20am; Duke vs. Gonzaga 2:05pm.
in Local Sports
No. 2 seed Tennessee beats No. 11 Gonzaga in overtime
Tennessee beat Gonzaga 73-69 in overtime on Saturday to advance to the Spokane Regional final of the NCAA Tournament.
in Local Sports
Mariners prospect Victor Sanchez passes away
Seattle Mariners pitching prospect Victor Sanchez passed away in Venezuela, the club announced Saturday.
in Sports
Kentucky remains undefeated after beating Notre Dame & moves on to Final Four
Andrew Harrison hit two free throws with six seconds left as the Wildcats survived a 68-66 win over third seed Notre Dame.
in Local Sports
10-man FC Dallas holds off the Sounders
FC Dallas played with 10 men for the majority of the night, the Seattle Sounders failed to capitalize and the match ended in a scoreless draw Saturday night.


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I have a 2000 k2 attack 2.0 and I keep breaking spokes, I am looking for rims 26X 2.10, can anyone recommend a good site or a good set of rims. Thanks for the help.
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Originally written on Pro Sports Daily | Last updated 11/13/14
Washington Capitals goaltender Michal Neuvirth is scheduled for a doctor's appointment after he was hurt in Thursday night's win over the Florida Panthers. Neuvirth suffered a lower-body injury when his left leg bent, leaving Braden Holtby as the only healthy netminder for Saturday's regular-season finale against the New York Rangers. Tomas Vokoun, who is dealing with a groin injury, is listed as day-to-day, according to Capitals coach Dale Hunter. The team is waiting to hear the results of Neuvirth's exam before deciding whether to call up another goalie from the minors. The 24-year-old Neuvirth is 13-13-5 for Washington, which clinched a playoff slot Thursday and trails Southeast Division leader Florida by two points with one game to play.
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Credits & Info
- Uploaded
- Feb 3, 2007 | 7:46 AM EST
- Weekly Users' Choice February 7, 2007
- Daily Feature February 4, 2007
If you liked this, check these out!
Author Comments
Rated 5 / 5 stars
Liked it a lot
Good game system, interresting enemies, bosses, liked it a lot overall. Has everything of a great RPG, can't wait for 2nd part.
Only thing is, I didn't manage to defeat Sierra the fleet commander (didn't know about her) and I can't kill her now, she's gone! So does anyone know what she drops? Apparently something very good, I heard so... but what?
By the way. Almost ALL stages have their own boss, except the transition stages (Costa de Acero) and the Acero Terminal. All the other stages have one. Sometimes for a quest, but sometimes they are hidden and must be discovered, in these cases they drop good weapons or armor. This is for the Iron Jungle boss (hint: mow down the herbs) and the Azure Cove (hint: fried rice). If you can't find them, check the walkthroughs. Hope this helps.
Rated 5 / 5 stars
Nice game but
as i was playing it had everything like graphics and all but i found a glitch i was going to this boos robot in junk yard i got up to and talked and i got in a battle other then the robot try to kinda like fix it k? but yeah still good game keep up the good work
Rated 5 / 5 stars
Awesome game
I like the graphics the best.Pretty good job.
Rated 5 / 5 stars
prty cool
this is a varey cool game
Rated 5 / 5 stars
This game is so GOOOOOOOOOOOOOOOD!!! i played it trough in 2 days :D i liked that very much :P THX belongs to the gamemakers :D... i LIIIIIIIIIIIKEEEEED THAAAAAAT!!!!!!!!!!!!!!!!!!!!!!!!!!!!
!!!!!!!!!!!!!!! 1000000/10 if possible :D


text:
Selena Gomez was spotted in Paris wearing a $695 Kenzo Embroidered Sweater, $1,040 Cesare Paciotti Red and White Studded Pumps, and a $1,695 Dolce & Gabbana Miss Sicily White Bag.
Her sweater is similar to the olive and black cable-knit tiger embroidered sweater below.
Her studded red and white pumps are embellished with Swarovski Crystals.
Her handbag has a ladylike top handle, mixed-metallic logo plaque, and a magnetic-snap closure.
Love her look? Recreate it with the pieces below.
**Brandy wore a similar sweater last year. Which look do you prefer?
Cutie! Loved Brandy's look too!
I like Brandy's look, Selena just seems there are too many trends.
She looks beautiful. But the shoes remind me of something a slick grandma would wear
love selena's shoes like brandy's look
Selena's heels are HOT but I prefer the sweater on Brandy!


text:
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text:
I love the internet.
I detest the amount of maintenance that's required just to keep things running.
I didn't sign up for wasting several hours a week dealing with nuisance requests. It's beginning to feel like the old days, when you had to kow-tow to IT to get anything done.
Over cautious?
Take this morning. eBay emailed that my account had been compromised. Change your password! So far so good. Next instruction: change the password for your primary email account. Great. Now my passwords are so obscure than if I don't have my online password manager at work, I'll be locked out of those accounts in the future.
Then I log into my bank. As a routine security measure, I must change my password and username to access my account. What? Change my username? Now I'm jaycross everywhere except my bank. My username's never been secret. Why mess with it now?
Changes like these cascade to other linked accounts. No doubt I'll be dealing with vestiges of these account changes for weeks.
Google and others keep bugging me to set up two-stage identification where I'll have to enter a code they email or message me in order to get into my accounts. No thanks. I'd be checking messages 20 times a day. Some companies don't give you the choice; they implemented this clumsiness without asking permission.
Yesterday we got a letter (paper, stamped, brought by the letter carrier) from Anthem Healthcare. They reported that our account security may have been breeched. Yeah, we read about that three months ago, when it happened to 80 million current and past customers. It may have started almost a year ago, in April '14.
It appears the breech was caused by phishing access credentials from five different Anthem employees. It was simple old social engineering, not sophisticated software, that opened the door to expose your and my name, social security number, email addresses, physical address, employment history and income. Anthem hadn't bothered to encrypt any of this information.
Anthem wrote, "There are steps you may take to guard yourself against identity theft or fraud. We urge likely impacted members to stay alert for incidents of fraud and identity theft." What a load of crap. There was nothing I could do to protect the information in the hands of Anthem or Chase or Target or the others who are sharing my personal data with Russian hackers. My crap detectors are always out for criminal hackers and their scams.
Aa far as I'm concerned, if a company requires me to submit personal information, they have responsibility for keeping it private. That's part of the deal. Break that promise, and I'll no longer be your customer. In fact, I'll spread the word in order to scare off other potential customers.
Today's mail brought this gem:
I Am Mr. Phillips A. Oduoza, Chief Finance Officer & Executive Director of United Bank for Africa (UBA). We wish to bring to your notice that you have an Accrued Interest worth of $775,500.00 usd (Seven Hundred and Seventy Five Thousand Five Hundred United State Dollars), in our Bank to claim.
Worse still is the free program I downloaded from the net. The software used to work just fine. This time, hackers inserted malware that took residence on my computer. It took a couple of hours to remedy the damage.
I could go on but we'd both be bored to tears. Experience has already taught you this stuff.


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Sam Marks
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Easter Bunny hops to town for annual La Vergne egg hunt
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Fortune cookie maker eyes La Vergne for $20M expansion
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La Vergne man arrested after dragging dog with car
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Authorities searching for special needs teen in La Vergne
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