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For many investors, stock market exposure represents an important expected driver of long-term capital appreciation. However, equity markets do not always deliver positive returns and often are characterized by periods of high volatility. Consequently, many investors seek strategies that will provide exposure to the long-term growth benefits of owning stocks, while allowing for better downside risk mitigation. To meet these needs, PIMCO has introduced a long/short equity strategy which aims to provide a positive return with lower volatility than the equity market over the long term. Although the strategy does not explicitly aim to manage short-term volatility, it has greater ability than many traditional long-only strategies to manage downside risk, which provides the opportunity for strong risk-adjusted returns over a full market cycle. The PIMCO Long/Short Equity Strategy is a concentrated, long-biased equity strategy with the ability to actively manage equity market exposure by adjusting the portfolio's mix of long and short equity, and cash or cash equivalent positions. The strategy, which has nearly a 10-year track record, uses both top-down and bottom-up analysis to construct a high-conviction portfolio of long positions with selective shorts. The strategy's concentrated and deeply researched equity portfolio looks to capture and magnify gains when markets rise. At the same time, the strategy has greater ability to manage downside risk given its flexibility to hold cash and selectively short stocks. Unlike many strategies that have a limited ability to raise significant cash, let alone short, the strategy's flexible approach facilitates access to additional sources of alpha and can result in reduced correlation with broader equity market indexes.
We believe that a combination of fundamental bottom-up and top-down research, and an opportunistic approach to trading, provides potential for participation in the market upside while maintaining a focus on avoiding the downside during extended market declines. When we believe the opportunities for reward outweigh the risks, we can put capital to work and seek capital appreciation. But when the risks of loss appear to outweigh the rewards, we can raise cash or take other steps to preserve capital. Essentially, the strategy aims to capture most of the market's gains in up years while avoiding the downside during extended market declines. Under normal market conditions, the portfolio is net long and concentrated in about 20 of our best ideas, with a select number of short positions. In addition to stock selection, active management of the portfolio's mix of long, short and cash positions is a crucial component of the strategy and its ability to navigate various market environments.
The investment process has been in place since Geoffrey Johnson began managing the strategy in 2003. It begins with an assessment of the prospects for the equity market, which is now informed by PIMCO's economic outlook as well as our judgment on equity market valuations. When we have a positive view of economic and market prospects we tend to be more invested, sometimes fully invested. However, when confronted with what we believe to be a weakening economy, significant financial system risks or unattractive valuations, we are able to raise cash, short or otherwise reduce the portfolio's exposure to the market.Our market exposure is guided by PIMCO's macroeconomic outlook as well as our views on the equity markets. If we think market or financial system risks are too high, the portfolio is likely to carry more cash and selectively short. When our market outlook is positive and we have high conviction in the companies we own, we are likely to put capital to work and have few short positions.Portfolio holdings are selected based on extensive fundamental analysis, which includes conducting field research, meeting with management teams, analyzing corporate filings, and constructing financial models. Our objective is to identify hidden value and mispriced securities.
The core portfolio of long positions consists primarily of fundamentally strong companies that we believe are attractively priced. We seek to invest in companies with defensible brands, significant cash flow, sustainable earnings growth, and which are capitalizing on secular trends. Once we have identified the right company, we are disciplined about investing at an attractive price. We conduct cash flow or asset-based valuation analysis to determine a company's true economic value, seeking to uncover stocks with hidden value. If we identify a catalyst that we believe will unlock that value in the next one to two quarters, we will initiate a position. We short stocks when we identify an opportunity to generate alpha as opposed to simply hedge risk. Companies we short tend to fall into two categories: Fundamental shorts, or companies in secular decline, and cyclical shorts, or businesses that will be impacted the most when the economy is weakening. When our outlook is bearish and our objective is to hedge, cash management usually is our first line of defense. In bear markets, the strategy can go 100% into cash and cash equivalents to avoid downside risk. To help preserve investors' capital, in September 2008, for instance, the strategy was invested mostly in cash and cash equivalents.
Portfolio manager Geoffrey Johnson began executing this strategy in 2003 at Catamount Capital Management, a boutique investment firm where he also served as a managing partner. In April 2012, PIMCO acquired Catamount's flagship strategy and incorporated its nine-year track record into the PIMCO Long/Short Equity Strategy, which is a continuation of the investment process Geoffrey began at Catamount.
PIMCO's approach to active equity investing focuses on providing investment solutions where we believe we can provide a unique value proposition for investors, rather than attempting to be "all things to all people." This starts with not being constrained by a traditional equity "style box" approach, nor by strict adherence to investing in relation to any given benchmark. We believe a benchmark-agnostic approach and a focus on downside risk mitigation is crucial for generating attractive long-term risk-adjusted returns.
The PIMCO Long/Short Equity Strategy offers enhanced return potential and downside risk mitigation. It benefits from an ability to invest in a broad, unconstrained universe and attempts to generate alpha on both the long and the short sides of its portfolio. Additionally, it has the flexibility to raise cash in an effort to preserve capital during market declines.
Past performance is not a guarantee or a reliable indicator of future results. All investments contain risk and may lose value. Equities may decline in value due to both real and perceived general market, economic and industry conditions. Investments in value securities involve the risk the market's value assessment may differ from the manager and the performance of the securities may decline. Investing in securities of smaller capitalization and mid-capitalization companies tend to be more volatile and less liquid than securities of larger companies. Investing in foreign denominated and/or domiciled securities may involve heightened risk due to currency fluctuations, and economic and political risks, which may be enhanced in emerging markets. Entering into short sales includes the potential for loss of more money than the actual cost of the investment, and the risk that the third party to the short sale may fail to honor its contract terms, causing a loss to the portfolio. PIMCO strategies utilize derivatives which may involve certain costs and risks such as liquidity, interest rate, market, credit, management and the risk that a position could not be closed when most advantageous. Investing in derivatives could lose more than the amount invested. There is no guarantee that these investment strategies will work under all market conditions or is suitable for all investors and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.
This material contains the opinions of the manager and such opinions are subject to change without notice. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product.
No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. Pacific Investment Management Company LLC, 650 Newport Center Drive, Newport Beach, CA 92660, 800-387-4626. ©2015, PIMCO.
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No beer at work?!
By Tony Hicks
Thursday, April 8th, 2010 at 3:23 pm in Uncategorized.
This is one of the most abusive management tactics I've ever seen perpetuated on a workforce. There oughta be a law.
Workers at the Carlsberg brewery in Copenhagen – which is somewhere near Europe or something – walked off their jobs in protest Thursday after the Danish brewer tightened rules about drinking on the job.
I'm about to walk out of this office in solidarity with my oppressed brothers and sisters in … uh … an industry. It's outrageous. Because apparently management will now only allow employees to drink beer at lunchtime! In the company canteen!
Clearly, someone needs to bomb Copenhagen, or invade on compassionate grounds, or something. This sort of abuse can't be allowed. Especially among the Carlsberg truck drivers, who can only take three beers with them on the road when they leave the factory's canteen.
The brewery used to have coolers around the site where workers could crack a cold one at their leisure. Now those poor people have to look at all that beer rolling by on the assembly line, knowing they can't partake in the cool, crisp, crackling fresh taste of a Carlsberg unless it's at lunch.
Solidarity, my friends. SOLIDARITY!
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text: GamesBeat The top 10 best and craziest PlayStation 4 logo concepts (gallery) February 14, 2013 11:45 AM Sebastian Haley 0 Gaming is in its golden age, and big and small players alike are maneuvering like kings and queens in A Game of Thrones. Register now for our GamesBeat 2015 event, Oct. 12-Oct.13, where we'll explore strategies in the new world of gaming. Follow our PlayStation 4 coverage 99designs, the world's largest crowdsourced graphic design marketplace, has opened up a cash-prize contest on the PlayStation 4 logo. Sony is expected to unveil the fourth generation PlayStation console at its exclusive press event in New York on Feb. 20 (which GamesBeat will be present at). Sony originally lifted the Spider-Man movie logo for the PlayStation 3, so there's no doubt that 99design's 200,000-plus registered designers can come up with some a little more creative. The contest, launched earlier this week with a $500 grand prize for the top design, has already drawn roughly 1,000 submissions. GamesBeat sifted through each and every one of them to find our favorites –and a couple that are notable for just being batshit insane (but in a mostly good way). You can see those below. However, the difference between "PS4″ and "PSY" (the Korean rapper behind Gangnam Style) are almost indistinguishable on some designs. That, and no one has taken into account that the next PlayStation may very well break from the numerical naming system used in past iterations, just as Apple did with the iPad and some expect Microsoft to do with the next Xbox. Gallery: GalleryImage Credit: raykidjhony To see all of the entries, you can head over to the contest page on 99designs. Top image submitted by Arahull


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JoWood Entertainment's upcoming action game C.O.N.S.E.A.L. is set in the near future on a remote island in the Pacific Ocean. Players assume the role of Lieutenant Kitty Hawk, a soldier whose helicopter has been shot down. Players find themselves stranded on an island, and in order to escape, they must first investigate why the helicopter was shot down. In the process, they discover that a mad colonel has taken over the island in order to conduct experiments in the creation of super soldiers.
Players find themselves up against an entire army of elite soldiers, and they must make use of stealth and careful thinking in order to stop the colonel and prevent global destruction. C.O.N.S.E.A.L. is in development at Germany-based Similis, and it is scheduled for release in summer 2002.


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Discussion in 'Camping, Hiking, Cooking' started by bitterroot, Dec 28, 2012.
Thanks, that looks delicious
Care to share your corned beef brine recipe? I may just have to copy cat what you did, except I can't use rye bread because of this damn gluten allergy.
This is the way I did it...except...I didn't make up my own pickling spice. I just used the off the shelf pickling spice.
I usually just forgo the bread anyway (although the bread in bitteroot's pic looks terrific, and I expect is homemade)
BTW: Follow bitterroot's linke to ruhlman's blog. While I was browsing it I noticed that there a several links to gluten free blogs.
Patrick, after reading your post I've decided to try my hand at it. Do you cook (smoke) it to a certain internal temperature?
About 170 should do it, but 165 is fine. You can do the entire thing in the smoker or wrap it in foil and transfer it to the oven to finish. I'm not sure what type of smoker you're using, but if it's charcoal you should expect to tend it more than in the summer. The wet cure brines the meat so it's pretty hard to dry out. The goal is to make the inter-muscular fat soft and springy. If you cook it beyond that point it might just fall apart. Don't worry, it'll still taste good. Slicing is important. Always slice it against the grain of the meat. If you slice it with the grain you'll get a tough, stringy mouthful.
Thanks, I'm using charcoal. Also using a tri-tip as I can't get brisket other than than sorry mess they sell in a bag @ St. Paddy's Day. Next cow my son-in-law has butchered I'll ask him to get some brisket (grass fed shorthorn or angus).
That just might work. I wonder if you can get some California red oak like they use in Santa Maria? That's my favorite smoking wood.
By the truckload
Robert, If you can have choice of the beef cuts ask for the plate. It was traditionally what pastrami was made from, but now it is very common to use brisket. The plate is generally not a very desired cut so you might more likely to get it, plus I actually like it better
That's a great idea Gary. Most of the cheap cuts are getting popular and more expensive, but I bet plate is still pretty cheap.
Just know that you won't find it in the grocery store. You will likely need to go to a specialty butcher shop or to a ranch. I would think it would be a cheaper cut, although you may find less of it as the hanger steak and flank steak are becoming more popular.
I know it has some relation to hanger, but flank also?
Yeah, they are all from the same general section. You can still take off the flank and have an intact plate though. I'll be calling Bill (the Butcher) soon to see if I can get the plate for my first pastrami creation.
Boneless short ribs is another good option. That will be my next.
BNLS short ribs are from the same section too! That is a damn tasty part of animal.
I did some checking in Seattle and its tough to come by plate. I found 3 sources, however, the price is prohibitive at $8-10/lb. The Seattle butcher shops are very high end so that is to be expected. Outside of Seattle or with a ranch/butcher connection it may be an affordable way to go.
You guys are making me hungry. I'm hoping that if I stare at bitterroot's pic of his sandwich long enough, my hunger will go away.
Nope...not yet...although I almost bit a chunk out of my iMac's screen.
Gary, thanks I'll check into that. What I've found is that here, plate or brisket has to be sourced from a custom cutter. Everyone is crazy about tri-tips and it's often on sale, so that's what I just put in the brine yesterday. My son-in-law and Grandsons are breeding and showing cattle in 4H. Mostly A.I. but we've just had the 1st baby from a natural insemination that turned out to be a bull calf, followed by two more AI's that were bulls, they just got turned into steers and will be going as market beef at the County fair this Sept.
This was last year's Market steer; 1250 lbs. and graded Prime.
With 3 this year, we'll probably get one to eat and I'll see about getting Plate and/or Brisket.
I just put 2 tri-tips in the brine yesterday, do you rinse them before smoking?
I made corned beef so no smoking was needed, but if I was gonna do pastrami I would rinse them thoroughly and pat dry before adding the seasoning and smoking.


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What's so good?
By Devin Duckworth | Sep 28, 2012 | Total plays: 9,882
Appropriately titled "Spirit," this new track from The Inner Mansions paints pictures that transcend well beyond typical electronica, with minimal synths and serene dreamlike sequences. Classified under the dreamwave genre, this track subtly sends vibrant vibrations through your ears all the way down your spine like some sort of spiritual drug. Yeah... it's that good.
Don't forget to check out Teen Daze's new album when it drops November 6. In the meantime, check out "Spirit" and "Union" (Ft. Frankie Rose) from The Inner Mansions.


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A slate of new officers and board members have been named by the Friends of the Mulvane Art Museum, Inc. for fiscal year 2012-13.
Officers elected are: president, Laurie Niehaus, private banking specialist, Capital City Bank; vice president/president elect, Carrie Riordan, community volunteer; treasurer, Harold Benoit, community volunteer; recording secretary, Sarah Carkuff Fizell, owner, post Rock PR; immediate past president, Mark Boranyak, community volunteer.
New board members are Cora Spencer, artist and partner, The Eclective Gallery, North Topeka Arts Districe; and Marcy Cassidy, principal, Farley Elementary School, USD 437.
Current board members are: Cindy Adams, director of recruitment, Stormont Vail Hospital; Dan Billen, graphic artist, jones huyett Partners; Meg Braun, coordinator of school psychology, Topeka Public Schools; Jeanne Cohorst, president, Mulvane Women's Board; Mark Dechand, sales associate, Zales Jewelry; Jim Ogle, manager, WIBW-TV; and Lynda Miller, adjunct instructor, art, Washburn; Olivia Simmons, president/CEO Visit Topeka Inc.; and Robin Wolgast, community volunteer.
Honorary members are Jeanne Bertelson, Carol Jory, Richard Ross, Judith Sabatini, Joe Scranton and Elizabeth Wunder.
The mission of the Friends of the Mulvane Art Museum, Inc. is to support the Mulvane Art Museum at Washburn University to encourage art in everyday life.
- 30 -
Dena Anson, university relations, (785) 670-1711


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Almost the big one yesterday! Flite finished 16 lengths clear of the third horse but just found Alan King's Night Rose too good to stop us landing a 33/1 winner, although still providing a decent return on each-way bets. It was a shame my banker didn't deliver, but I guess that's racing.
A little similar to Flite who we knew had had a wind operation, today we know something about one of Henry Daly's runners that not all punter will know. That is that his horse Kingsmere coughed after his last run, whch would explain an apparent poor as the horse was tailed off. Kingsmere was dropped three pounds in the ratings and on his previous run (third of 14) over a trip that looked a little too far he would come into the reckoning in this open looking handicap. A winner for us a few weeks ago, Magic Prospect is the likely favourite and a big danger and it could be advisable to have a saver on Charlie Mann's 5-y-o, but at 21.00 with Ladbrokes 50£ in Free bets! Kingsmere is very good each-way value in the 16:10 at Sandown.
Later at Wolverhampton, I think it could to have a little interest in Marco Botti's Eastern Amour in the 19:00. The horse ran two weeks ago and the form of that run leaves him with plenty to find to be competitive this evening. However, Marco told us this morning that "He ran very green last time out on his first start at Lingfield. He has seemed to improve since then. He is sharper, the trip and surface should suit. He should be thereabouts, an each way chance although shame there are only 7 runners". Whilst it is a little speculative, with Marco also fielding one of the fancied runners, I think Eastern Amour is worth a small win interest this evening at 10.00 with William Hill.
From The Stables delivers information direct from 15 leading trainers
A unique offering in UK and Irish racing WWW.FROMTHESTABLES.COM provides the trainers' views on all their runners every day. Information in the last 7 days has included strong trainer comments on winners at 8/1, 5/1, 4/1 twice ....
Visit www.fromthestables.com to find out more.


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Link to the podcast ( 39 min 40 seconds for the wp7 goodness – thanks again @danevald )
Well that's all the Evernote info we have for you at this moment. We will keep you updates for more on this.
thanks @danevald for the heads up.
Link to the podcast ( 39 min 40 seconds for the wp7 goodness – thanks again @danevald )
Well that's all the Evernote info we have for you at this moment. We will keep you updates for more on this.
thanks @danevald for the heads up.
It's being called a 'critical ' security update that fixes issue related to fraudulent third party certificates and includes the NoDo update too. Read more about the security update on the Windows Phone Update Page.
Dave Bost has more on this :
I asked the Maung Brothers what the inspiration behind this robot was and all of all things it was pure laziness! Or some would say – pure genius! They basically wanted to create something that allowed them to mow the grass for them while sitting in the comforts on their living room. A remote-controlled lawnmower! Aside from the potentially maiming and harm a runaway lawnmower could do on account of a software bug, the Maung brothers took it upon themselves to investigate the possibilities. Prototyping off of a Power Wheels Barbie Jammin Jeep Wrangler and taking it from there, they built a solid chassis and all the techno gadgetry to make a wannabe Maker blush. Not to mention the addition of strobe lights and a cannon!
Check out the robot showing off some moves :
tip : Jump to 3:15 if you are too eager to see the robot in action.
Oh. You can use it as a tank as well, just remove the equipment firing the cannons and just sit on it and navigate via your windows phone device. Not too bad, eh ?
Script your phone! TouchStudio is a radically new software development environment on the Windows Phone, bringing the excitement of the first programmable personal computers to the phone. Bring your songs and pictures to life, and use the sensors on the phone. You write code by tapping on the screen. TouchStudio comes with many samples that you can tweak.
Here is the Release Note for Ver. 1.1 beta :
In short, more access. More the merrier, I say. Do show us what you come up with !
Mango isn't even out yet and Windows Phone 8 concepts are already surfacing. Can you feel the excitement ? Victor Cao has created a futuristic, droolworthy concept phone based on a future imagined version of Windows Phone. It uses a future version of Office and is equipped with the Transolid UI.
You know about True Caller, right ? That cool app which allows you to look up phone numbers from anywhere in the world, is on Windows Phone 7. You can search for a number and the app returns the name and address(when available) as results. You can search international numbers as well by changing your country.
You can also chose to translate lyrics in many of the available languages in the Settings options ( powered by Microsoft translator ). If you think lyrics is broken – you can fix it yourself. I still somehow miss Tune Wiki, iOS app, lyrics sync experience – the Karaoke experience as they call it. Highlights the words as they come out – can't really describe it due to vocabulary limitations but you probably get the idea if you have used it.
The interface is clean and will definitely replace Zune hub as my default music playback destination. The application is available for 0.99 $ – definitely a value for money. Hit the Zune download link.
With this tool, iPhone developers can grab their apps, pick out the iOS API calls, and quickly look up the equivalent classes, methods and notification events in WP7. A developer can search a given iOS API call and find the equivalent WP7 along with C# sample codes and API documentations for both platforms.
For the current version, three types of APIs are supported : Network / Internet, User Interface and Data Management. Though they do not plan to provide mapping for all the APIs that iOS has, they do plan to improve and expand the scope in later versions.
The listing is embedded below :
Job Category: Services & Consulting
Location: United States, WA, Redmond
Job ID: 754083
Division: Interactive Entertainment Business
Are you interested in working in one of the most dynamic areas of the digital entertainment industry? Are you ready to deliver the content and experiences that customers want? If so, the Xbox LIVE Services Business and Strategy Team might be the right place for you. Our Interactive Entertainment Business (IEB) is responsible for products & services like Xbox, Kinect, Live Services, Zune, and Microsoft games.
The Xbox LIVE Services Business and Strategy Team is looking for a passionate, media-savvy, detail-oriented and highly motivated Business Manager passionate about driving our first party Music business in the US across multiple tuner end points; Xbox 360, Windows Phone 7, PC, WWW and Bing
The position is responsible for management of relationships with two of the four major record labels as well as a number of high profile indie labels, and creating strategies around content to drive the Zune Music business. You'll work closely with other team members internal and, afore mentioned, external content partners, and with Marketing, Promotions and Tuner teams to help them support objectives and initiatives into smart execution.
Using a blend of partner opportunity, merchandising, curation and packaging, you will help drive the evolving Zune music experience and improve the value of our offering.
This role has a wide range of responsibilities including the following key activities:
Daily management of partner relationships, focus will be on two of the four major labels and a small number of indies
Develop strategies and content prioritization plans to drive the Zune Music business
Analyze service usage and other metrics to develop business intelligence in order to further guide business, promotion & priority planning and address the best market opportunities
Project management between development, marketing, promotions, business development and internal partners
Drive opportunities for catalog differentiation, including: exclusive content, content availability windows and offerings
Evaluate business performance against key performance indicators
Engage with marketing to target initiatives based on release schedules and business intelligence
Management of bi-annual business reporting to major label partners
Prioritization of content merchandising for publishing & programming teams
Identification of new potential label/content partners based on competitive intelligence and business goals
Management of weekly calendars, release schedules and content prioritization lists
Support new projects and initiatives as point of contact for label partners and Zune business
Evangelist for the music business across both internal and external events with partners/customers
Is this the end of Zune or just an extension of current Xbox services ? Zune isn't even close to being s popular as the Xbox Live services. Xbox live has a huge fanbase while Zune being exceptionally good isn't really catching up with users. Will the renaming of service cause a positive impact ? Will update as soon as we get more information on this.


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'Sons of Anarchy' Season 7 video: First teaser shows Jax as the reaper?Add to Favorites | Sons of Anarchy
Your first peak at "Sons of Anarchy" Season 7 has arrived and it's a good one. A teaser called "Hell Awaits" has been released, featuring Jax riding down the road alone.
During the 20-second clip (via EW), his face flashes to a skull. Considering the hood he's wearing, it seems implied that Jax is the grim reaper. After the death of Tara in Season 6, it might be time for the reaper to come calling. Accentuating it all is the driving guitar of U2's "Bullet the Blue Sky," which is a song that's fairly critical of violence. It's an interesting pick, which makes the teaser all the more intriguing.
The teaser will make its TV debut during the Season 2 premiere of "The Bridge" on Wednesday, July 9 on FX. "Sons of Anarchy" Season 7 premieres in September.
Photo/Video credit: FX


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Learn more about NewAir AIC-210 Commercial Grade 1 QT Ice Cream and Sorbet Maker:
Manufacturer: NewAir
Mfg Part#: AIC-210
Sku: 224538359
Package Weight: 30 lbs
See more in Ice Cream Maker
|Please Note: This unit features an instant rebate that cannot be combined with any other offers or discount codes.Make ice cream, frozen yogurt, sorbet, or gelato with professional results, right in your own kitchen with the NewAir AIC-210 ice cream maker. This commercial grade ice cream maker has a built-in freezer and compressor so creating your favorite is a snap: simply pour in the ingredients, turn the unit on, and set the timer. You'll get consistently creamy results in less than 60 minutes! Fully Automatic Ice Cream MakerThe NewAir AIC-210 ice cream maker is fully automatic. It has a built-in freezer and compressor that mixes and freezes ice cream for you with no pre-chilling required. Makes More than Just Ice CreamThe NewAir AIC-210 makes more than just ice cream! This appliance also lets you create refreshing sorbets, healthy frozen yogurt and even decadent gelato. A full list of recipes is included. Commercial-Quality DesignThis ice cream maker is similar to the ones used by professionals and features a clean, white finish. Digital Timer & Auto Shut-OffThe NewAir AIC-210 ice cream machine comes with a 60 minute digital timer and automatic shut-off feature that protects the motor by stopping the unit if the mixture becomes too thick. Self-Cooling TechnologySelf-cooling technology requires no pre-freezing of canisters or bowls. Please Note: In order to prevent damage to the removable freezer bowl, it must be handwashed.


text: I am looking for an Anderson Ford Motorsport N-41 camshaft. Anybody have one?? Yes, I know they have them for $300 on Anderson's website but I was hoping to save a few bucks. I have an Anderson B-31 camshaft if someone is looking to change their combo and would like to trade otherwise let me know! email: [email protected] call or text 414-507-8884


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Keynote Motivational & Inspirational Speaking: Mario Arnauz Bonds
Mario Arnauz Bonds is a compelling motivator who more than delivers. A powerful speaker known for his ability to quickly draw audiences in, Mario blends personal experience, education and entertainment to create memorable and thought-provoking presentations. Mario provides motivational keynote an commencement speeches, workshops, seminars and breakout sessions. Mario is also available for debates/panels, spokesperson campaigns and as a voice talent.
An ambitious, totally blind public figure, Mario uses personal experiences to illustrate that despite our circumstances, our dreams can still be fulfilled, and success attained. Through the principles of hardwork, perseverance, and personal responsibility, we can all become "master of our destinies." As a child, Mario faced abuse on many levels, homelessness, abandonment, and total vision loss. However, none of these setbacks define him. Mario has overcome an inestimable amount of odds, and is an example of how triumph and success is still possible, no matter the obstacle.
Corporate, Hollywood, college, social, private and a wide range of other audiences are enjoying Mario's dynamic presentations. His experiences and lessons will motivate your audience to push the envelope, overcome any setback and make good choices so they can reach their goals on their own road to success. Mario often punctuates his speeches with an unforgettable, moving, powerful song performance.
Mario is a graduate of George Mason University, and has a degree in Journalism. He struck international fame through NBC Universal's The Glee Project on the Oxygen Network. Mario is also an accomplished singer/song writer and voice talent.
Speaker's Topics:
- Putting The Odds in Your Favor: Choosing to Overcome Adversity
- Without Sight but Full of Vision: A Message from Mario's Childhood Memoir
- What Disability?: Redefining What it Means to be Disabled
- Box of Life's Chocolates: Diversity, Equal Access & Inclusion
- From Victim to Survivor (abuse/assault): Ways to Reclaim Your Power
- World of Assistive Technology: A Blind Man's Virtual Life
Click here for more information on Mario's speaking topics.
To check the speaker's availability, please email Paul Kreiter


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SR-FTIR Spectromicroscopy and the Gulf of Mexico Deep-Sea Oil Plume
Assessing the environmental and public health impacts of the Deepwater Horizon oil spill is difficult owing to the extreme depth of the blowout and the large volumes of oil released. One strategy for remediation of the plume is to use the intrinsic bioremediation potential of deep-sea microorganisms to degrade the oil. This strategy depends on a number of environmental factors, including a favorable response of indigenous microorganisms to an increased concentration of hydrocarbons and/or dispersant. To study the effects of the spill, researchers collected deep-water samples from across the Gulf of Mexico and analyzed their physical, chemical, and microbiological properties using a variety of techniques, including synchrotron radiation Fourier-transform infrared (SR-FTIR) spectroscopy at ALS Beamline1.4.3. The studies suggest that the plume did indeed stimulate indigenous deep-sea bacteria that are closely related to known petroleum degraders.
Real-Time Chemical Imaging of the Development of Bacterial Biofilms
Scientists have developed a robust and label-free method to probe the chemical underpinnings of developing bacterial biofilms. Almost all bacteria can form biofilms—dynamic communities of cells enclosed in self-produced matrices of polymers that stick to other bacteria or surfaces in water-containing environments. Coordinated collectively, these bacteria defend against antagonists, break down recalcitrant materials, and produce biofuels. Berkeley Lab researchers coupled infrared (IR) rays from ALS Beamline 1.4.3 to the first open-channel microfluidic platform to determine the chemistry that shapes biofilm development. This combination of synchrotron radiation-based Fourier transform infrared (SR-FTIR) spectromicroscopy and the microfluidic platform will have a significant impact on several scientific disciplines that require chemical-scale information on biofilm phenotype and function, including Berkeley Lab's bioenergy efforts and subsurface biogeochemical studies.Read more »
Real-Time Chemical Imaging of Clostridium Cellulolyticum Actions on Miscanthus Giganteus
Utilization of lignocellulolytic bacteria as dedicated energy microorganisms requires new understandings bacteria's capability that has not been fully considered before. As part of the multi-mode chemical imaging (RMCI) program for microbe-biomass characterizations, we are developing and refining bimodal (fluorescence and synchrotron radiation-based Fourier transform infrared (SR-FTIR spectromicroscopy) chemical imaging. Here we are demonstrating our evolving bimodal imaging technology to non-invasively making molecular measurements of Clostridium cellulolyticum attacking plant biomass in space and time. Our preliminary real-time SR-FTIR results show that in Miscanthus giganteus, C. cellulolyticum can deconstruct pectin, lignin, and cellulose; and that the surface chemistry is quite variable spatially at scales with concentrated features locally.Read more »
Multi-Mode Real-Time Chemical Imaging as a System Biology Approach to Decipher Microbial Depolymerization of Lignocellulose
This project aims to develop multi-mode imaging methods to probe at the chemical level plant biomass depolymerization by cellulases, cellulosomes, and other hydrolytic enzymes of living cellulolytic microbes. The mechanisms of these enzymes require surface chemistry, since the substrates are solids. It is imperative, therefore, to study not only the enzymes, but also the properties of the substrates as they are degraded. Furthermore, the production of enzymes is affected by the physiological states of the microorganisms. We are therefore using both single-molecule imaging of enzyme dynamics and Fourier transform infrared spectroscopy of solid substrates with living cellulolytic bacteria to probe plant cell wall depolymerization as a function of space and time. Using newly developed real-time 3D tracking (RT-3DSPT) microscopes for single-molecule spectroscopy and imaging, we will be able to track cellulase and cellulosome processivity and cooperativity in the degradation of lignocellulose. These new experiments will exploit the genetic tools that we are developing to incorporate fluorescent tags into the enzyme and enzyme complexes to enable tracking. We will also exploit the high temporal and spatial resolution of synchrotron radiation-based Fourier transform infrared (SR-FTIR) spectromicroscopy to follow changes in the chemical composition of the cell wall substrates as they are depolymerized. The combined information from SR-FTIR spectroscopy and RT-3DSPT microscopy will provide a unique view of lignocellulose depolymerization in real time. This research will also aid in the development of efficient suites of hydrolytic enzymes that can be used in the conversion of plant biomass into biofuels, an important goal of the DOE.
Read more »


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Franchise Leads is an independent division of Euro-AmericanInternational, Inc.. After the sale of the Franchise.com trademark and its Internet based franchise lead generation business, Nancy Ghanem (Franchise.com founder) returned to her business roots, Euro-American International, Inc. , owner of USPTO Patent 60280133. In addition to FranchiseLeads.com (created in 2010), Euro-American International provides franchise e-disclosure services via its FDDPlus.com website. Many of the largest franchise systems utilize FDDPlus.com to disclose their FDDs, Operating Manuals, and other files which require notification when a file has been opened successfully (vs only received).Nancy Ghanem, owner of Euro-American International, is a licensed California real estate broker, Realtor, and commercial real estate specialist (CCIM). Nancy has traveled the World representing franchise systems close sales on franchise area development and master licenses on every continent. Nancy stays current on franchise issues and is a member of the ABA Forum on Franchising.NGFS also operates: FranFit.com - fitting franchise buyers and franchise locations to franchise systems
Based in San Diego, California NGFS has built a team of franchise industry experts who have come together to raise the global standards of franchise consultancy and to build franchise success.
We offer domestic, regional and international services to franchisors, master franchisees, investors, entrepreneurs and suppliers. Our programs are designed for success, not just for the present but the long term success of all of our clients.NGFS delivers solid consultancy programs, advisory services, expansion programs, business re-generation assistance, even succession planning, using our world class franchise expertise and operational knowledge.
We are able to offer our clients direct routes to new and exciting markets, stability and profitability, programs designed for growth and success, which provides our clients a clear competitive advantage. We operate on an ethical, professional, confidential and results-driven platform.
Website powered by Network Solutions®


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Male , 26-30
Feeling lonely
Just realized that my friend wasn't my friend.
I am quite, very quite. to the point of annoyance of other people. I am also very stubborn. Not to the point of idiocy. But once I have truly decided to do something. I get it done.
Last Seen Nov 14, 2013
Member Since Mar 29, 2012
Favorite Quote
- 100% American
Special day
Books Science fiction/fantasy. Astrophysics
Music Classical, Metal, Electronic
Movies Sherlock Holmes.... or just robert downey jr. in general.
Local Time June 30th, 1:36 AM
It Didn't Work A while ago, a long while ago I posted a short about my inability to trust anyone. I set out to find out what this meant, and why I couldn't show it. It's been close to a year, I have no answer. I... [more]
Maybe Someone Here Can Answer This. Growing up, Trust, among other things, was something that I was never taught. It's a very hollow word for me. I don't know what it means beyond it's text book definition, and I don't know how to expre… [more]
I Perform Random Acts Of Kindness5 Dollar Car Wash One of my coworkers took up detonations a few days ago to help a girl in need of a wheel chair. All he was asking for was five dollars. Most people gave him that others gave him 20. When I moved up th… [more]
I Am a New Member At Experience ProjectMeet Jerlys! We caught up with new member Jerlys and asked a few fun questions. Get to know your new community member and don't forget to say Hello! EP: Good morning and welcome. Wonderful to… [more]
Fired Sweet freedom at last. Now I can find something else to do for six months. … [more]


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West central Minnesota businesses looking to create their own niche with Small Business Saturday
November 19, 2012 in West Central Tribune
NEW LONDON Black Friday and Cyber Monday have long excited overzealous holiday shoppers eager for good deals. But in the last couple of years, a new day Small Business Saturday has made its own mark on the holiday shopping season.
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11:30 am
Sat July 28, 2012
The Charismatic Sir Simon Rattle: A Cultural Olympian
By Susan Lewis
As the Olympics in London get into full swing, WRTI's Susan Lewis talks with a featured player in the Cultural Olympiad: Sir Simon Rattle, music director of the Berlin Philharmonic. The world-renowned conductor shares his thoughts about the nexus between sports and music, his own path to the podium, and his relationship with Philadelphia.
Rattle conducted the London Philharmonic and the Lincoln Center Jazz Orchestra in performances featuring the UK premiere of Wynton Marsalis's Symphony No. 3 or "Swing Symphony" as the games began.
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Grand Balisani Suites Hotel, Seminyak Bali
Grand Balisani Suites Hotel is built in Balinese village style and furnished to the highest standards with natural stones, beautifully crafted woods and finest local artifacts and textiles. Completely natural sandy beach and surrounded by lotus ponds.
Located right on the sunset beach at Batubelig Beach Seminyak Village in an unspoiled and unpolluted environment, with tropical gardens, lotus ponds, rice paddy fields, clean private beach, village and temples. This is exactly what travelers have in mind when they dream of Bali. 15 km from Ngurah Rai Airport or six km to the Kuta area and about 15 km to Tanah Lot, the rocky temple.
Grand Balisani Suites Hotel Room spaciously appointed and finished in the finest of local stone, timber and hand woven fabrics, afford comfortable seclusion with charming seaside or garden view, private bathroom, mini bar.
Facilities & Services
- Swimming Pool
- Massage
- Private Terrace
- Baby Sitting Service
- Water Sports
- Shopping Arcades.


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Counseling Staff
Michael L. Beckner
Supervisor & Therapist LMFT #43050
Licensed Marriage and Family Therapist and Supervisor of the Counselor in Training program here at FBC. Masters degree in counseling and another master in psychology: Marriage and Family. Mike has been providing Christian counseling services here at FBC since 1996. He has also served as a high school counselor and career/college counselor in the Elk Grove School District for many years, and has taught "College Success" and "Career Development" at Cosumnes River College for several years.
Mike is married with four grown sons. He screens and refers clients within the FBC Counseling ministry and acts as a referral service to outside Christian Therapists for clients needing specialty service or insurance acceptance. He has a heart for working with couples and blended families and staff. He also works with teens and individuals.
Mike sees clients at the church from 1-9pm Mondays, Tuesdays and Wednesdays.
Vincent and Liz Johnson
Financial Coaches
Vincent and Liz have been trained by Dave Ramsey as Financial Coaches to provide one-on-one coaching sessions to help educate individuals and couples on the basics of personal finance, help them find trusted experts for specific needs and inject hope into situations that may seem overwhelming. Luke 16:10-12 sums it all up, "He who is faithful in a very little thing is faithful also in much; and he who is unrighteous in a very little thing is unrighteous also in much. Therefore if you have not been faithful in the use of unrighteous wealth, who will entrust the true riches to you? And if you have not been faithful in the use of that which is another's, who will give you that which is your own."
They are available by appointment at (916) 479-2659 or (916) 947-1345 or email them at firstname.lastname@example.com.
Annette Stringer
Therapist LPCC #268
Licensed Marriage and Family Therapist, Licensed Professional Clinical Counselor. Masters Degree in Marriage, Family and Child Counseling. Annette has been a high school counselor in the Elk Grove Unified School District for the last 16 years and is currently a Healthy Start Family Resource Center Coordinator with the District overseeing centers that assist students and their families to access services in the community.
Her passion is to provide support and guidance to couples, families and individuals. She loves working with teenagers, and couples or families with special needs children! Annette is married and has three teenage children one of which has Down Syndrome.
Annette sees clients Sunday afternoon and Wednesday evenings.
Salina Rodriquez
MFT Intern IMF# 62905
Marriage and Family Therapist Intern. Master degree in counseling. Salina worked at White House (in Carmichael) which is a counseling program for children and adolescents in the San Juan Unified School district and also works at Catholic Social Services New Pathways Counseling. She is very good working with families, teens and younger children. She also does couples and individual counseling and has a heart for blended families. Salina is married with a newborn. (Note: Salina speaks Spanish.)
Salina sees clients at the church Thursday and Friday afternoons.
Carlene Mauch
MFT Intern IMF #57279
Marriage and Family Therapist Intern. Masters degree in Psychology with an emphasis in Counseling. Carlene is a seasoned Intern who has been seeing clients since 2006 in both a non-profit and private practice setting. She has extensive experience working with clients dealing with anxiety, depression, sexual abuse, interpersonal relationship dynamics, boundary issues, spiritual shaming, and family of origin issues.
Carlene, who brings relevant life experiences and professional training to her work, has a deep desire to assist each client in developing and sustaining healthy aspects of their lives and to assist them in becoming the person they were created to be. She is married and has two adult sons.
Carlene sees clients at the church Monday 9am-5pm and Thursdays at 9am-9pm.
Paige McAtee
MFT Intern IMF #57279
After twenty years in the corporate world, Paige McAtee left her career to follow her calling to be a Marriage and Family Therapist. She firmly believes that the pain, fear, sadness, and hurdles we all experience to different degrees can be understood and made better through the process of therapy and the client's unique strengths.She has a heart's desire to help others and considers it a privilege to work along the side of others in counseling.
Paige has completed her Master's degree (Master of Science in Counseling in Marriage and Family Child Therapy) and is a Marriage and Family Therapist Intern. She is completing additional training in EFT (Emotionally Focused Therapy for couples and families).
She specializes in couple and family issues and enjoys working with individuals as well.
Paige sees clients Tuesday, Wednesday, and Thursday evenings.
Greg Hutchings
MFT Trainee
Greg has been a counselor at First Baptist Church since July 2012. He is currently finishing up his MFT degree (Graduation Summer 2013) at Western Seminary. He graduated with a BA degree from California State University Sacramento in 1990. Greg is trained in all aspects of therapy and has a special passion for couples and families.
His approach is to establish deep interactions with his clients and use the time spent together to build a real, intimate, God centered relationship. This process will help clients tap into their inner potential that leads to a more authentic Spirit-led style of living. Greg aims to make his office a safe place for relationship focused sessions that foster growth through increased self-awareness. He is confident that therapeutic self-exploration and acceptable risk taking can lead to more productive and fulfilling interpersonal relationships for his clients.
Greg sees clients Monday & Thursday evenings and daytime by special arrangement.
Sheryl Sturis
MFT Trainee
Marriage and Family Therapist Trainee. Currently enrolled in master degree program in Counseling. Sheryl has a passion to walk alongside people to discover what emotional wounds, self-defeating beliefs and behaviors that are shrouding their heart and keeping them from thriving in their relationships and living a life of purpose. She is skilled in working with life struggles such as divorce, addiction, abuse, and emotional wounds that are both symptoms and products of these life issues. Sheryl also enjoys helping people discover their purpose and created identity. Sheryl operates from the perspective that the further we stray away from our created identity, the more dis-comfort, dis-content, and dis-ease we experience as a result, and this unrest manifests in all the relationships and arenas of our lives
Sheryl sees clients at the church Tuesday and Wednesday afternoons and evenings.
Cleina Harvey
Counseling Volunteer
(Photo coming soon)
Cleina is currently finishing her BA degree in Psychology at California State University, Sacramento and has applied for the master's program to obtain her LPCC and MFT. She has a passion for facilitating support groups, and hopes that after graduating, she will be able to work more in depth with families and adolescents.
She has been volunteering with the counseling ministry at First Baptist Church for the last six months, and is also a co-leader of a sophomore girl small group. Cleina looks forward to helping others as she grows academically and spiritually.


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The wife and I had a coupon for a free appetizer at Texas Roadhouse so we decided to go there today for an early bird dinner. Texas Roadhouse has an early bird special that runs every Monday-Thursday from 4:00pm – 6:00pm. There are 10 hearty entrees to choose from and each one is priced at $7.99. The early bird menu is:
- 6 oz. Sirloin Steak (7.99)
- 10 oz. Road Kill Chopped Steak (7.99)
- Grilled BBQ Chicken (7.99)
- Country Fried Chicken (7.99)
- Chicken Critters® Dinner (7.99)
- Pulled Pork Dinner (7.99)
- Grilled Pork Chop-Single (7.99)
- Chicken Caesar Salad (7.99)
- Grilled Chicken Salad (7.99)
- Chicken Critter® Salad (7.99)
All of these entrees come with two sides so it's a great deal.
I ordered the 6oz. Sirloin Steak with a baked potato and a side salad. the wife ordered the Chicken Critters Dinner with french fries and green beans. We used our free appetizer coupon and got an Onion Blossom to split.
Our dinner was very good and cost us less than $17.


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Non woven multi tasking organizer is made of 80 gram non woven coated, water resistant polypropylene. Use as a trunk organizer, shopper tote or for storage. Organizer features wide main compartment, convenient front pocket, sturdy web handles, structured sides and bottom gusset as well as spot clean/air dry. Folds flat when not in use. 13 1/2" W x 11" H x 9 1/2" D


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The Bachelorette
Emily Maynard Dresses Her Cats Up In Pajamas!
We've always known Emily Maynard is a cat lady (amen, sister), but girlfriend has taken her obsession to a whole new level. Emily's started dressing her feline friends in festive floral pajamas, and yes — they look fabulous.
"Should I be ashamed of this? #catspajamas," Emily posted on Instagram along with a photo of her pals with paws.
Erm, no one should be ashamed of cat pajamas. In fact, Emily is dishing on where she got these purrrrfect outfits! "Obviously a very exclusive, extremely expensive boutique," Emily tweeted jokingly, adding "(Petsmart)"
Clearly, Emily in head-over-heels for her kittens — though she definitely has a sense of humor about it. "They are so lazy and spoiled," she tweeted. "All they do all day is shop, get their nails done, and spray tan. Oh wait.. Never mind."
Hmmm, sounds like someone we know. Ourselves.
Source: Instagram / Twitter / Twitter


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Ipo Dam in Bulacan opens gates, Bulacan residents advised to expect higher water levels
(Updated 9:57 a.m.) - Following heavy rain since Sunday, Ipo Dam in Bulacan province opened one of its gates early Monday to release excess water.
The National Disaster Risk Reduction and Management Council advised residents near Angat River to take precautions for an increase in water levels.
"The water release from Ipo Dam is expected to affect the low-lying areas along Angat River from Norzagaray to Hagonoy. Residents in the area are advised for possible increase in the water level downstream," it said.
It said the Ipo Dam's opening was by 30 cm as of 6:30 a.m.
As of 6 a.m. Monday, the Philippine Atmospheric Geophysical and Astronomical Services Administration said Ipo Dam's water level was at 100.83 meters, a sudden 0.87-meter jump from 99.96 meters 24 hours earlier.
According to PAGASA hydrologist Roy Badilla, the water released from Ipo Dam's opening was at 47.9 cubic meters per second as of 8 a.m.
"Medyo maliit lang compared sa capacity," Badilla said, noting that the tolerable flow for Angat River is at 800 cubic meters per second.
Badilla said that except for Ipo and La Mesa dams, the other major dams are far from spilling level. He said La Mesa dam is currently at 79.79 cubic meters per second, and will overflow if the water level reaches 80.15.
Badilla explained that when excess water is released, residents in the area will experience an increase in the water level downstream.
"Tataas nang kaunti 'yung tubig. Depende sa labas ng tubig kung gaano kataas," he said.
In a later interview on GMA News' News to Go on Monday, however, Badilla said the water level at Ipo Dam is already decreasing. "Medyo bumababa na nang kaunti mula noong mag-open sila kaninang umaga," he said.
In a later interview on GMA News' News to Go on Monday, however, Badilla said the water level at Ipo Dam is already decreasing. "Medyo bumababa na nang kaunti mula noong mag-open sila kaninang umaga," he said.
"Ang ine-expect lang natin ay baka magkaroon tayo ng minor flooding. Ito ay sanhi ng mga local rains hindi dahil sa pagpapakawala ng tubig sa Ipo," he said.
Meanwhile, the Provincial Disaster Risk Reduction and Management Councils (PDRRMC) in Aurora is monitoring Central and Northern Aurora for possible bad weather.
PDRRMCs in Bulacan and Zambales are also monitoring their areas of responsibility. –With report from Carmela Lapeña/KG, GMA News
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President of ACLU Florida discusses school- to- prison- pipeline system and highlights from documentary Inequality for All
Robert Lorei
Radioactivity: Live Call-In (Tuesday) | Listen to this entire show:
Tags: Mike Pheneger, ACLU of Florida, school- to- prison- pipeline, Inequality for All, Pete Seeger
Today on Radioactivity Rob Lorei speaks with President of ACLU of Florida Mike Pheneger about the school- to- prison- pipeline system. The school-to-prison pipeline refers to policies and practices that push children out of classrooms and into the juvenile and criminal justice systems. The path to incarceration begins with inadequate resources in schools, inequitable school discipline practices including zero tolerance, policing of school hallways, use of alternative schools, involvement of courts, and often ends with students in juvenile detention or adult prisons. The vast majority of students pulled in to the pipeline never graduate from high school.
For more information:
Later, Rob plays part of the documentary Inequality for All in light of the President's State of the Union address in which he's expected to talk about inequality.
Lastly, Radioactivity remembers Pete Seeger.
Listen to the entire show abovecomments powered by Disqus


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Illinois Named Worst-Run State In America In 2014
"'We don't have the time to mess around. We are in deep, deep trouble financially,' [Illinois Governor-elect Bruce] Rauner told a meeting of the Illinois Farm Bureau at a downtown Chicago hotel. 'The next 24 months are going to be rough. And I apologize. I ain't going to be Mr. Popularity for a little while. That's OK. Four years from now I think, though, everybody will appreciate what we did.'"
–Chicago Tribune website, December 8, 2014
Talk about lists you don't want to be on. In 2012 and 2013, Illinois was the 3rd worst-run state in the annual best- and worst-run states in America survey conducted by New York City-based financial news and opinion organization 24/7 Wall St.
So how did the "Land of Lincoln" fare in 2014? From the 24/7 Wall St. website on December 3:
How well run is your state? Assessing a state's management quality is hardly easy. The current economic climate and standard of living in any given state are not only the results of policy choices and developments that occurred in the last few years, but can also be affected by decisions made decades ago, and by forces outside a state's control.
Each year, 24/7 Wall St. attempts to answer this question by surveying various aspects of each state. To determine how well states are managed, we examine key financial ratios, as well as social and economic outcomes. This year, North Dakota is the best-run state in the country for the third consecutive year, while Illinois replaced California as the worst-run state…
(Editor's note: Bold added for emphasis)
Ouch. Worst part is, the people who brought us this mess are the same ones still in charge, more or less. It will be interesting to see how much of a difference Governor-elect Rauner- who ran on the Republican ticket- can make in the Democrat-controlled state.
24/7 Wall St. went into more detail about my home state's latest "honor." From the piece:
Illinois is the worst-run state in the nation. Like many other low-ranked states, more people left Illinois than moved there. Illinois lost more than 137,000 residents due to migration between the middle of 2010 and July 2013. A poor housing market may partly explain the exodus. Median home values fell 16.2% between 2009 and 2013, the second largest drop nationwide. Illinois has extremely poor finances by many measures. Just 39.3% of Illinois' pension liabilities were funded as of 2013, worse than any other state. Further, the state's reserves are estimated at just 0.5% of its general fund expenditure, the second lowest reserves rate nationwide. Both Moody's and S&P gave Illinois the worst credit ratings of any state, at A3 and A- respectively. According to Moody's, the state's rating reflects its low fund balances and high pension obligations, as well as its "chronic use of payment deferrals to manage operating fund cash."
As for our neighbors, Indiana is ranked 28th and Wisconsin comes in at 26th in 2014- down from 19th and 21st- respectively.
That's quite a hit (9 places) the Hoosiers took from last year. Wonder what's behind the drop?
Curious as to where 24/7 Wall St. ranked your state in 2014? Head on over to their website here.
By Christopher E. Hill
Survival And Prosperity (www.survivalandprosperity.com)
Illinois Bond Issue Halted Due To Credit Concerns
Today, residents of the state of Illinois saw the repercussions of having $8 billion of unpaid bills, a $96.8 billion pension funding gap, and falling credit ratings. Karen Pierog reported on the Reuters website:
Illinois yanked a $500 million general obligation bond issue slated for Wednesday because of credit concerns that could boost its borrowing costs, in the latest financial blow to the state, which has failed to fix its bloated public pensions.
Investment banks that planned to bid on the debt indicated investors would demand higher yields on the 25-year bonds, said John Sinsheimer, Illinois' capital markets director.
"We were getting indications of higher spreads than we were anticipating," said Sinsheimer, who declined to discuss specific spread levels. "We felt it was prudent to pull the deal for the time being."
(Editor's notes: Italics added for emphasis)
Pierog pointed out:
Illinois is already faced with the highest spreads – 137 basis points in the latest week – over Municipal Market Data's benchmark triple-A scale among states and cities tracked by MMD, a unit of Thomson Reuters.
Over the weekend, I noted Standard & Poor's downgraded the State of Illinois on Friday to an "A-" rating with a negative outlook- last among all 50 states. I added that among other major credit rating agencies, Moody's also ranks Illinois last of all the U.S. states and Fitch ranks it 49th but on watch for a possible downgrade.
As for Illinois taxpayers? They may have to pay tens of millions of dollars more in interest when the state looks to borrow more money- like what almost happened today.
By Christopher E. Hill, Editor
Survival And Prosperity (www.survivalandprosperity.com)
Pierog, Karen. "UPDATE 2-Illinois pulls $500 mln bond sale amid credit concerns." Reuters. 30 Jan 2013. (http://www.reuters.com/article/2013/01/30/illinois-bonds-idUSL1N0AZ6TQ20130130). 30 Jan. 2013.
S&P Downgrades Illinois Credit Rating To Worst In Nation
When I heard a major credit rating agency had downgraded Illinois Friday, the term "death spiral state" quickly came to mind.
And then my thoughts turned to the tens of millions of dollars Illinois taxpayers might be on the hook for down the road.
Ray Long and Monique Garcia reported on the Chicago Tribune website Friday:
Illinois fell to the bottom of all 50 states in the rankings of a major credit ratings agency Friday following the failure of Gov. Pat Quinn and lawmakers to fix the state's hemorrhaging pension system during this month's lame-duck session.
Standard & Poor's Ratings Service downgraded Illinois in what is the latest fallout over the $96.8 billion debt to five state pension systems. The New York rating firm's ranking signaled taxpayers may pay tens of millions of dollars more in interest when the state borrows money for roads and other projects.
(Editor's note: Italics added for emphasis)
Illinois now has an "A-" rating with a negative outlook from S&P. Among other major credit rating agencies, Moody's ranks Illinois last among the 50 states and Fitch ranks it 49th but on watch for a possible downgrade.
Regarding the state's huge pension funding gap, Mark Peters wrote on the Wall Street Journal website Friday:
S&P estimates the pension system in the coming year will see assets fall to 39% of future obligations.
(Editor's note: Italics added for emphasis)
Hardly any talk about the crisis in the local mainstream media outlets this weekend. Amazing. I can't understand why more Illinois residents aren't up in arms over this humongous financial mess the state is in.
By Christopher E. Hill, Editor
Survival And Prosperity (www.survivalandprosperity.com)
Garcia, Monique and Long, Ray. "Illinois credit rating sinks to worst in nation." Chicago Tribune. 25 Jan. 2013. (http://articles.chicagotribune.com/2013-01-25/news/chi-illinois-credit-rating-sinks-to-worst-in-nation-20130125_1_action-on-pension-reform-robin-prunty-illinois-credit). 27 Jan. 2013.
Peters, Mark. "S&P Cuts Illinois Credit Rating." Wall Street Journal. 25 Jan. 2013. (http://online.wsj.com/article/SB10001424127887324539304578264293106044944.html). 27 Jan. 2013.
S&P: U.S. Has 20 To 25 Percent Chance Of 'Double-Dip' Recession, Eurozone Enters New One
The economists over at well-known American financial services company Standard & Poor's (S&P) are warning about a possible "double-dip" recession for the United States, and are saying the Eurozone has entered a new one. Agustino Fontevecchia wrote last Friday on the Forbes website:
There's a 20% to 25% chance that the U.S. economy will suffer a double-dip recession, according to a report by Standard & Poor's. The credit rating agency which downgraded the U.S.' sovereign credit rating last year noted unemployment could peak above 9%, real GDP would contract 0.9%, and housing markets would once again collapse under their adverse scenario. The catalyst: Congress failing to reach an agreement to avoid the fiscal cliff.
No matter what happens, a strong economic recovery is "a long ways away," explained S&P's deputy chief economist, Beth Ann Bovino. A poor labor market, with businesses adding a paltry 97,000 jobs per month over the last six months, has kept the economic recovery in "slow gear." (During the winter, the economy added an average 240,000 jobs per month, she noted).
(Editor's note: Italics added for emphasis)
This warning of an economic slowdown echoes what S&P economists were saying a month prior. From the AFP website on August 21:
The odds the United States will slip back into recession next year have risen, ratings agency Standard & Poor's said, citing risks from the European debt crisis and budget tightening at year-end.
The US ratings firm raised the chance of the US falling into recession to 25 percent, up from a 20 percent chance estimated in February, as the world's largest economy struggles to recover from a severe 2008-2009 slump.
(Editor's note: Italics added for emphasis)
Just this morning, S&P said the Eurozone was entering a new recession. Steve Gelsi wrote on the MarketWatch website:
"The data are confirming our view that the [Eurozone] region is entering a new period of recession, after three quarters of negative or flat growth since the final quarter of 2010," according to Jean-Michel Six, the rating agency's chief economist for Europe, the Middle East and Africa.
(Editor's note: Italics added for emphasis)
Fontevecchia, Agustino. "Double-Dip Recession 20% To 25% Likely If Fiscal Cliff Hits, S&P Warns." Forbes. 21 Sep. 2012. (http://www.forbes.com/sites/afontevecchia/2012/09/21/double-dip-recession-20-to-25-likely-if-fiscal-cliff-hits-sp-warns/). 25 Sep. 2012.
"Risk of US double-dip recession rises: S&P." Agence France-Presse. 21 Aug. 2012. (http://www.google.com/hostednews/afp/article/ALeqM5hUW6S9xn4PTe3Oy6FaZ5SqADbALw?docId=CNG.9261c794f17a86efcc8
014d16fa164f9.121). 25 Sep. 2012.
Gelsi, Steve. "S&P says new recession hitting euro zone." MarketWatch. 25 Sep. 2012. (http://www.marketwatch.com/story/sp-says-new-recession-hitting-euro-zone-2012-09-25?reflink=MW_news_stmp). 25 Sep. 2012.
Peter Schiff: 'We Are Either In, Or On The Cusp Of, A Brand New Recession'
Tonight I've been reviewing some of the latest material from Peter Schiff, president and chief global strategist of Euro Pacific Capital. Schiff, as most of you may know, correctly-called the latest financial crisis the United States still finds itself in. From the Schiff Report YouTube Video Blog this past Saturday:
We are either in, or on the cusp of, a brand new recession. And remember, contrary to previous recessions, this one is starting, starting, with unemployment above nine percent, starting with interest rates already at zero. So, imagine what's going to happen when we get the next round of fiscal stimulus- they're going to blow the deficit off the charts. And of course, the Fed can't do anything on the rate front. All they can do is print more money, which destroys the value of U.S. bonds. So I think S&P again is being much too generous with their rating forecast…
So, that is my warning to everybody, and I've been saying it. You can't just get out of Treasuries. You need to get out of all debt denominated in U.S. dollars, because that really is what S&P is saying here. S&P is saying, "We have so much debt, that if you buy Treasuries, you're going to lose, because you're going to be paid back in inflated dollars." Well, if you lose on Treasuries, you lose on any bond that's denominated in dollars. In fact, you lose on your dollars. If you have them in your bank. If you have them stuffed underneath your mattress. S&P is telling you, "Get out of dollars." That's what I've been saying, and now they're saying it too. Even if they won't tell it to you that straight, they want to sugar coat it. I never do that.
"S & P AA+ on U.S. Sovereign Debt not Low Enough"
YouTube Video
And the following is from an e-mail I received from his investment services company, Euro Pacific Capital Inc., earlier this evening:
As may have been expected, the majority of investment professionals are reacting perversely to the crisis. On the day after the first ever downgrade was issued on American government debt, investors reacted by igniting one of the biggest rallies in the history of the treasury market. Such an illogical reaction suggests that investments of better value and fundamentals continue to be overlooked.
I see many places to find shelter from the growing economic storm. While media attention is focused on weakness in the Euro, other currencies are doing quite well against the dollar. Over the last 12 months, the Australian dollar is up 12.6%, and the Swiss franc is up 37%. I believe investments that produce reliable income denominated in these, and other, currencies offer meaningful protection from declines in the U.S. dollar. Assets such as non-dollar sovereign bonds, utilities, and real estate trusts all offer these traits. Gold, which I consider to be the only real money, is up 41% so far this year and today had its biggest one day gain in history. I believe that in the current environment exposure to precious metals offers the best way to preserve wealth.
I know a number of mainstream financial/investing types don't care for Schiff. However, I find it hard to dismiss the views of someone who's made some terrific calls regarding the direction of the markets/economy over the past couple years- along with others still playing out.
(Note: The author disclaims any personal liability, loss, or risk incurred as a consequence of the use and application, either directly or indirectly, of any information presented herein.)
Standard & Poor's Changes U.S. Rating Outlook To Negative
I was prepping the post "The Crash Prophets Revisited, Part 2" when I heard Standard & Poor's lowered its outlook on the United States. From the Standard & Poor's press release announcing the action:
'AAA/A-1+' Rating On United States of America Affirmed; Outlook Revised To Negative
• We have affirmed our 'AAA/A-1+' sovereign credit ratings on the United States of America.
• The economy of the U.S. is flexible and highly diversified, the country's effective monetary policies have supported output growth while containing inflationary pressures, and a consistent global preference for the U.S. dollar over all other currencies gives the country unique external liquidity.
• Because the U.S. has, relative to its 'AAA' peers, what we consider to be very large budget deficits and rising government indebtedness and the path to addressing these is not clear to us, we have revised our outlook on the long-term rating to negative from stable.
• We believe there is a material risk that U.S. policymakers might not reach an agreement on how to address medium- and long-term budgetary challenges by 2013; if an agreement is not reached and meaningful implementation is not begun by then, this would in our view render the U.S. fiscal profile meaningfully weaker than that of peer 'AAA' sovereigns.
MarketWatch's Steve Goldstein and Deborah Levine wrote about the move this afternoon:
Standard & Poor's cut its ratings outlook on the U.S. to negative from stable on Monday, lighting a fire under Washington's deficit-reduction debate and sending stock markets sharply lower.
The rating agency effectively gave Washington a two-year deadline to enact meaningful change, just days after House Budget Committee Chairman Paul Ryan and President Barack Obama each outlined their plans for slashing debt. S&P nonetheless kept its highest rating, AAA, on the U.S…
"The fiscal profile of the U.S. is increasingly diverging from that of its AAA peers," said David Beers, an S&P analyst, on a conference call. "This was the time to update our opinion."
It's the first time S&P lowered its outlook for the U.S. from stable… The outlook change indicates a one in three chance of an actual rating downgrade over the next few years, Beers said.
The U.S. is one of 19 sovereign governments rated AAA by S&P, out of 127 rated countries. But all of the closest AAA peers — Germany, France, Canada and the U.K. — have done more to address their fiscal problems coming out of the recession, which in some cases were worse than what the U.S. experienced, analysts said.
You can read the entire press release on Standard & Poor's website here.
"The Crash Prophets Revisited, Part 2" will be pubished tomorrow.
"'AAA/A-1+' Rating On United States of America Affirmed; Outlook Revised To Negative." Standard & Poor's (Press Release). 18 Apr. 2011. (http://www.standardandpoors.com/ratings/articles/en/us/?assetID=1245302886884). 18 Apr. 2011.
Goldstein, Steve and Levine, Deborah. "S&P cuts U.S. rating outlook to negative." MarketWatch. 18 Apr. 2011. (http://www.marketwatch.com/story/sp-cuts-us-rating-outlook-to-negative-2011-04-18?pagenumber=1). 18 Apr. 2011.
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Junior Brianna Elder has excelled in her role as the Matadors' top pitcher in 2014. Through three weekends of action, Elder is tied for the Big West Conference lead with six wins while also picking up her first career save.
She has picked up complete game wins over Oregon State, Colorado State, Boise State, New Mexico and UNLV and struck out a career-high 11 batters in the win over the Beavers.
For the season, she is 6-3 with a 3.00 ERA and 35 K's in 46.2 innings of work. She ranks seventh in the conference in ERA, fifth in strikeouts and fifth in innings pitched.
Elder and the Matadors play their home opener this weekend with games against Portland State and Rutgers on Saturday, Mar. 1. CSUN will also face the Vikings and Scarlet Knights on Sunday, Mar. 2 as well, weather permitting.


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Best of 2008 Dubious Honors
Come see the winners of GameSpot's Best of 2008 dubious honors category!
Come see the winners of GameSpot's Best of 2008 dubious honors category!
Find out what our picks are for the best games of 2008 and vote for your favorites!
Hulk smash tank, jump high.
Hulk climb building, not find Spider-Man.
Goku and friends' latest brawler out in Australia this week.
Brawl is finally here in Australia (almost).
The Incredible Hulk shows off his throwing arm.
The Incredible Hulk bashes, smashes, and crashes his way around Manhattan.
Square Enix's popular handheld RPG finally gets released down under.
The Incredible Hulk knows how to hop around Manhattan.
Built like a tank has no meaning to The Incredible Hulk.
The Hulk swings for the fences while tossing pedestrians around in Manhattan.
The Hulk knows how to rock out on asphalt.
Yell it from the rooftops: The Incredible Hulk smashes, bashes, and thrashes Manhattan in this video review.
Two big console exclusives released on the same day.
Guns of the Patriots locked and loaded for PlayStation 3 launch; Prizefighter 360 and Dragon Ball Z: Burst Limit also on tap.
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Contact Us
We greatly appreciate all the kind words we received about our mother 'Frances' who passed away at her home surrounded by her family on Dec. 24, 2009.
Frances lived everyday of her life to the fullest and she will be a hard act to follow.
Since so many people have contacted us since her passing we thought we'd share a little history and background on Frances, we hope you enjoy it.
Raised in the strawberry fields of turkey creek Florida, Frances was married to our dad (Homer) for forty seven years, she helped manage our music career.
Frances worked and dedicated her life to her family, friends and people in need. She woke up every morning at five thirty a.m. And went about doing what she was passionate about, helping people.
Most of Pasco county Florida and a large part of the country music community including 'Waylon Jennings' and 'Buck Owens' called her 'ma bellamy'. In total Frances and Homer had three children, ten grandchildren, four great grand children along with numerous assorted orphans and 'strays' she claimed as her own. Our father (Homer) passed away in nineteen eighty seven, he was twelve years older than Frances.
During her eighty five years, she worked cattled, did grove work and truck farmed right alongside her husband. She rolled cigars at the hav-a-tampa cigar factory and worked at the Lykes Pasco packing orange juice plant. She drove a Pasco county school bus and was assistant manager at the Pasco high school cafeteria for twenty four years.
She was directly involved in our music career since nineteen seventy six and she signed performance contracts for over six thousand of our concerts.
She was right at home overseeing television shows, music videos and photo shoots or cooking big meals for the entire band and crew during recording sessions and rehearsals.
She was also the overseer of our family ranch and cattle business where she not only handled the book keeping and paperwork but pitched in and worked hands on in the cowpens to help birth a new born calf or to round up cows whenever she was needed.
In addition to her own kids, she pretty much raised all of her grandkids and was very involved in the lives of her great grandchildren.
Among Frances' friends were beggars, presidents, celebrities, lawyers, in-laws, outlaws, musicians and politicians from various backgrounds parties and all walks of life. She never met a stranger and nobody ever forgot her after they met her.
She and Homer cleared the rugged Florida hammock land we now call our ranch by hand to create rich grassy cattle pasture and fields to plant crops.
Frances actually preferred the outdoor work of the ranch and working in her yard to desk work but she met all chores that came up with the same tireless energy.
Frances was known to take in, take care of and feed people from all races, creeds, color or background. If they were hungry and needy she helped them.
She was also known to give advice to people (sometimes without them asking for it) who had strayed from their families, their country and their god. She assisted people in adopting children and woke doctors up in the middle of the night to treat people who were sick. She picked up strays, (animals and human), she had very strong ideas on what was right and wrong and she was never shy about giving you her opinion. Frances was a straight talker, like it or not you knew where she stood on things.
It is her strength and her ability to never give up on things you believe in that has given us the drive to succeed even after we first failed.
Frances was a liberated woman even before the term existed and describing her to people who did not know her was usually difficult. It would take volumes to tell you all the things Frances did for people and there's no doubt the world is a better place for the life she lived while on this earth.
We'd like to dedicate this page to her memory that will stay with those of us that knew and loved her forever.
We hope you enjoy reading the following articles written about Frances.
Thanks for your prayers and kind remarks about Frances after her passing.
Peace and love, to you and your families.
Bellamy Brothers' Love for Ma Still Flows Strong
Howard an David both agree the hardest act to
follow is their Mother, Frances Bellamy.
Whether driving a bus for the Pasco County School
System, running a Cattle Ranch, first with her Husband Homer, and then with her sons, or greeting 20,000 fans at Fan Fair in Nashville, Frances has an infectious personality that can capture a crowd quicker than one of the boys hit songs.
A driving force in the community for over 50 years, she has worked her magic on thousands of Pasco County residents. She gives with her whole heart to family and friends and profoundly touches the lives of all those she meets, and she has met nearly everyone in Pasco County, and beyond.
Frances was born on October 28th in Turkey Creek, Fl. At age 17 she met and married Homer Bellamy and moved to the Ranch where she still lives today in Darby, FL. Frances and Homer had 3 children, Ginger, Howard and David and later adopted their first Grandson Terry.
The Ranch has since grown to a 2500 acre Cattle operation, and the original homestead of 200 acres, houses four generations of Bellamy's including her Children, Grandchildren, and Great Grandchildren...
Besides raising her family, Frances served as Assistant Cafeteria Manager and School Bus Driver for Pasco High School for 25 years (1957-1982) and continues to volunteer her time to the school system today. Nearly every child in East Pasco County has ridden her bus or graced her home at one time in their lives.
The Bellamy home has forever been open to those in need and Frances has never know a stranger. In addition to her home and school activities, Frances has also helped to organize Bellamy Brothers Entertainment, a partnership formed in 1975 to manage the careers of sons Howard and David, The Bellamy Brothers.
As well know in the music community, as she is in her home town, Frances is affectionately know as "Ma Bellamy" by a host of entertainers from Merle Haggard and Loretta Lynn to the Oak Ridge boys and Reba McEntire.
David and Howard are always amazed in their travels, where ever they go, how people are constantly asking how their mother is, and someone is always asking them to tell "Ma Bellamy" hello.
Frances Bellamy has spent her life making those around her feel "Special", and has dedicated every moment to her children and grandchildren. Without her involvement, Howard and David both agree, they would have never made it.
created by Just Ducky Designs


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