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|By CloudCommons 2012
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|July 29, 2014 02:29 PM EDT
TechViews: The Role of Big Data in The Simpsons, Botnets and the Risk to Clouds, and more!
Featured Article
Get ready for the BYOID balancing act
By Robert L. Scheier
Bring Your Own Identity (BYOID) allows customers to use a digital identity from a trusted third party to log into websites without having to register and create another new account. This practice has strong appeal for both customers looking for a convenient experience and companies interested in drawing market insights and ensuring security.
Tech News & Views
The Atlantic breaks down how the all new Simpsons World will use Big Data to offer all 552-episodes, sort by themes, and more. As Homer would say, Mmmm, delicious delicious data.
Researchers found that hacking seemingly secure clouds is not as difficult as we might suspect. This Wired article exposes the risk to cloud computing that botnets could pose.
How many mobile apps do you use per month? This Wall Street Journal article reveals the number is thirty or less.
The goal of DevOps to maximize the predictability, efficiency, security and maintainability of operational processes. This eWEEK article explains why DevOps is becoming a pivotal factor in new data centers.
Big Data plays a bigger role in organ transplants than you may have guessed. This Mashable article provides in an interesting look into the algorithms used on the organ transplant waitlist.
The Economist expects that by 2017, 30% of online travel-bookings by value will be made on mobiles. Despite that statistic, this Economist article details the user frustrations of poorly developed travel mobile apps.
Featured Content
TechInsights Report: The Changing Role of IT and What To Do About It
In a recent global study, Vanson Bourne surveyed 1,300 IT leaders to find out how the role of IT is perceived today and how it will be changing in the years to come, the impact of the growing independence of other departments to obtain IT services and apps outside the control of IT, and what successful IT leaders are doing to make sure IT remains relevant and is positioned as a driver of innovation for their organization.
Read the White Paper to gain more insights from you peers, and get valuable advice on the key steps you should be taking now to re-position the role of IT and increase its value to the business.
TechViews Twitter Chat
Keep an eye out for our #TechViews Twitter chats, on the last Tuesday of every month. Follow @TrendsInTech, to join in the conversation on the latest trends in tech!
TechViews Podcast
The application economy levels the playing field: every company has the opportunity to compete with the latest technology and applications that provide critical services in convenient, new ways for customers. From farmers to professional football teams, software is driving today's business leaders to reinvent themselves and deliver creative new apps for customers in ways they have yet to imagine. In this episode of the TechViews podcast series, CA Technologies' Denise Dubie and Jason Meserve discuss the new software reality for today's businesses of all sizes: the application economy.
About CA
CA Technologies (NASDAQ: CA) provides IT management solutions that help customers manage and secure complex IT environments to support agile business services. Organizations leverage CA Technologies software and SaaS solutions to accelerate innovation, transform infrastructure and secure data and identities, from the data center to the cloud. www.ca.com
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SYS-CON Events announced today that Dyn, the worldwide leader in Internet Performance, will exhibit at SYS-CON's 17th International Cloud Expo®, which will take place on November 3-5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Dyn is a cloud-based Internet Performance company. Dyn helps companies monitor, control, and optimize online infrastructure for an exceptional end-user experience. Through a world-class network and unrivaled, objective intelligence into Internet conditions, Dyn ensures traffic gets delivered faster, safer, and more reliably than ever.
Jul. 6, 2015 09:15 AM EDT Reads: 1,520
Containers are revolutionizing the way we deploy and maintain our infrastructures, but monitoring and troubleshooting in a containerized environment can still be painful and impractical. Understanding even basic resource usage is difficult – let alone tracking network connections or malicious activity. In his session at DevOps Summit, Gianluca Borello, Sr. Software Engineer at Sysdig, will cover the current state of the art for container monitoring and visibility, including pros / cons and live demonstrations of each method. Special emphasis will be put on sysdig, an open source troubleshoot...
Jul. 6, 2015 09:00 AM EDT Reads: 631
"We have a tagline - "Power in the API Economy." What that means is everything that is built in applications and connected applications is done through APIs," explained Roberto Medrano, Executive Vice President at Akana, in this SYS-CON.tv interview at 16th Cloud Expo, held June 9-11, 2015, at the Javits Center in New York City.
Jul. 6, 2015 08:45 AM EDT Reads: 480
Overgrown applications have given way to modular applications, driven by the need to break larger problems into smaller problems. Similarly large monolithic development processes have been forced to be broken into smaller agile development cycles. Looking at trends in software development, microservices architectures meet the same demands. Additional benefits of microservices architectures are compartmentalization and a limited impact of service failure versus a complete software malfunction. The problem is there are a lot of moving parts in these designs; this makes assuring performance compl...
Jul. 6, 2015 08:00 AM EDT Reads: 393
The 17th International Cloud Expo has announced that its Call for Papers is open. 17th International Cloud Expo, to be held November 3-5, 2015, at the Santa Clara Convention Center in Santa Clara, CA, brings together Cloud Computing, APM, APIs, Microservices, Security, Big Data, Internet of Things, DevOps and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal today!
Jul. 6, 2015 07:30 AM EDT Reads: 561
The 5th International DevOps Summit, co-located with 17th International Cloud Expo – being held November 3-5, 2015, at the Santa Clara Convention Center in Santa Clara, CA – announces that its Call for Papers is open. Born out of proven success in agile development, cloud computing, and process automation, DevOps is a macro trend you cannot afford to miss. From showcase success stories from early adopters and web-scale businesses, DevOps is expanding to organizations of all sizes, including the world's largest enterprises – and delivering real results. Among the proven benefits, DevOps is corr...
Jul. 6, 2015 07:15 AM EDT Reads: 649
SYS-CON Events announced today that Alert Logic, the leading provider of Security-as-a-Service solutions for the cloud, has been named "Bronze Sponsor" of SYS-CON's 17th International Cloud Expo® and DevOps Summit 2015 Silicon Valley, which will take place November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Alert Logic provides Security-as-a-Service for on-premises, cloud, and hybrid IT infrastructures, delivering deep security insight and continuous protection for customers at a lower cost than traditional security solutions.
Jul. 6, 2015 05:30 AM EDT Reads: 1,553
While DevOps most critically and famously fosters collaboration, communication, and integration through cultural change, culture is more of an output than an input. In order to actively drive cultural evolution, organizations must make substantial organizational and process changes, and adopt new technologies, to encourage a DevOps culture. Moderated by Andi Mann, panelists discussed how to balance these three pillars of DevOps, where to focus attention (and resources), where organizations might slip up with the wrong focus, how to manage change and risk in all three areas, what is possible a...
Jul. 6, 2015 03:00 AM EDT Reads: 1,586
Containers have changed the mind of IT in DevOps. They enable developers to work with dev, test, stage and production environments identically. Containers provide the right abstraction for microservices and many cloud platforms have integrated them into deployment pipelines. DevOps and Containers together help companies to achieve their business goals faster and more effectively. In his session at DevOps Summit, Ruslan Synytsky, CEO and Co-founder of Jelastic, reviewed the current landscape of DevOps with containers. In addition, he will discuss known issues and solutions for enterprise appl...
Jul. 6, 2015 02:45 AM EDT Reads: 1,308
Agile, which started in the development organization, has gradually expanded into other areas downstream - namely IT and Operations. Teams – then teams of teams – have streamlined processes, improved feedback loops and driven a much faster pace into IT departments which have had profound effects on the entire organization. In his session at DevOps Summit, Anders Wallgren, Chief Technology Officer of Electric Cloud, will discuss how DevOps and Continuous Delivery have emerged to help connect development with IT operations (mainly through the introduction of Automation) to support and amplify a...
Jul. 5, 2015 07:15 PM EDT Reads: 633
SYS-CON Events announced today that Harbinger Systems will exhibit at SYS-CON's 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Harbinger Systems is a global company providing software technology services. Since 1990, Harbinger has developed a strong customer base worldwide. Its customers include software product companies ranging from hi-tech start-ups in Silicon Valley to leading product companies in the US and large in-house IT organizations.
Jul. 5, 2015 06:00 PM EDT Reads: 1,573
SYS-CON Events announced today that Secure Infrastructure & Services will exhibit at SYS-CON's 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Secure Infrastructure & Services (SIAS) is a managed services provider of cloud computing solutions for the IBM Power Systems market. The company helps mid-market firms built on IBM hardware platforms to deploy new levels of reliable and cost-effective computing and high availability solutions, leveraging the cloud and the benefits of Infrastructure-as-a-Service (IaaS...
Jul. 5, 2015 05:00 PM EDT Reads: 696
DevOps Summit, taking place Nov 3-5, 2015, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with 17th Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world. The widespread success of cloud computing is driving the DevOps revolution in enterprise IT. Now as never before, development teams must communicate and collaborate in a dynamic, 24/7/365 environment. There is no time to wait for long development cycles that produce software that is obsolete at launch. DevOps may be disruptive, but it is essent...
Jul. 5, 2015 05:00 PM EDT Reads: 593
SYS-CON Events announced today that ProfitBricks, the provider of painless cloud infrastructure, will exhibit at SYS-CON's 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. ProfitBricks is the IaaS provider that offers a painless cloud experience for all IT users, with no learning curve. ProfitBricks boasts flexible cloud servers and networking, an integrated Data Center Designer tool for visual control over the cloud and the best price/performance value available. ProfitBricks was named one of the coolest Clo...
Jul. 5, 2015 04:30 PM EDT Reads: 1,435
The cloud has transformed how we think about software quality. Instead of preventing failures, we must focus on automatic recovery from failure. In other words, resilience trumps traditional quality measures. Continuous delivery models further squeeze traditional notions of quality. Remember the venerable project management Iron Triangle? Among time, scope, and cost, you can only fix two or quality will suffer. Only in today's DevOps world, continuous testing, integration, and deployment upend the time metric, the DevOps cadence reinvents project scope, and cost metrics expand past software ...
Jul. 5, 2015 04:15 PM EDT Reads: 1,255
SYS-CON Events announced today that JFrog, maker of Artifactory, the popular Binary Repository Manager, will exhibit at SYS-CON's @DevOpsSummit Silicon Valley, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Based in California, Israel and France, founded by longtime field-experts, JFrog, creator of Artifactory and Bintray, has provided the market with the first Binary Repository solution and a software distribution social platform.
Jul. 5, 2015 03:30 PM EDT Reads: 486
DevOps tends to focus on the relationship between Dev and Ops, putting an emphasis on the ops and application infrastructure. But that's changing with microservices architectures. In her session at DevOps Summit, Lori MacVittie, Evangelist for F5 Networks, will focus on how microservices are changing the underlying architectures needed to scale, secure and deliver applications based on highly distributed (micro) services and why that means an expansion into "the network" for DevOps.
Jul. 5, 2015 03:00 PM EDT Reads: 1,586
"We got started as search consultants. On the services side of the business we have help organizations save time and save money when they hit issues that everyone more or less hits when their data grows," noted Otis Gospodnetić, Founder of Sematext, in this SYS-CON.tv interview at @DevOpsSummit, held June 9-11, 2015, at the Javits Center in New York City.
Jul. 5, 2015 02:30 PM EDT Reads: 462
Containers are changing the security landscape for software development and deployment. As with any security solutions, security approaches that work for developers, operations personnel and security professionals is a requirement. In his session at DevOps Summit, Kevin Gilpin, CTO and Co-Founder of Conjur, will discuss various security considerations for container-based infrastructure and related DevOps workflows.
Jul. 5, 2015 02:00 PM EDT Reads: 403
Buzzword alert: Microservices and IoT at a DevOps conference? What could possibly go wrong? In this Power Panel at DevOps Summit, moderated by Jason Bloomberg, the leading expert on architecting agility for the enterprise and president of Intellyx, panelists peeled away the buzz and discuss the important architectural principles behind implementing IoT solutions for the enterprise. As remote IoT devices and sensors become increasingly intelligent, they become part of our distributed cloud environment, and we must architect and code accordingly. At the very least, you'll have no problem fillin...
Jul. 5, 2015 11:45 AM EDT Reads: 1,789
"Plutora provides release and testing environment capabilities to the enterprise," explained Dalibor Siroky, Director and Co-founder of Plutora, in this SYS-CON.tv interview at @DevOpsSummit, held June 9-11, 2015, at the Javits Center in New York City.
Jul. 5, 2015 11:30 AM EDT Reads: 512
The last decade was about virtual machines, but the next one is about containers. Containers enable a service to run on any host at any time. Traditional tools are starting to show cracks because they were not designed for this level of application portability. Now is the time to look at new ways to deploy and manage applications at scale. In his session at @DevOpsSummit, Brian "Redbeard" Harrington, a principal architect at CoreOS, will examine how CoreOS helps teams run in production. Attendees will understand how different components work together to solve the problems to manage applicatio...
Jul. 5, 2015 11:15 AM EDT Reads: 442
"We provide a web application framework for building really sophisticated web applications that run on a browser without any installation need so we get used for biotech, defense, and banking applications," noted Charles Kendrick, CTO and Chief Architect at Isomorphic Software, in this SYS-CON.tv interview at @DevOpsSummit (http://DevOpsSummit.SYS-CON.com), held June 9-11, 2015, at the Javits Center in New York
Jul. 5, 2015 11:00 AM EDT Reads: 537
IT data is typically silo'd by the various tools in place. Unifying all the log, metric and event data in one analytics platform stops finger pointing and provides the end-to-end correlation. Logs, metrics and custom event data can be joined to tell the holistic story of your software and operations. For example, users can correlate code deploys to system performance to application error codes. In his session at DevOps Summit, Michael Demmer, VP of Engineering at Jut, will discuss how this can only work if the underlying analytics platform is flexible and powerful enough to handle the variou...
Jul. 5, 2015 09:00 AM EDT Reads: 406
"We help to transform an organization and their operations and make them more efficient, more agile, and more nimble to move into the cloud or to move between cloud providers and create an agnostic tool set," noted Jeremy Steinert, DevOps Services Practice Lead at WSM International, in this SYS-CON.tv interview at @DevOpsSummit, held June 9-11, 2015, at the Javits Center in New York City.
Jul. 5, 2015 08:00 AM EDT Reads: 471


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Port Townsend is at the upper end of the Olympic Peninsula in Washington State. I am told that the miners departed from its harbor to head north to Alaska. But other ports took over, and the town stayed the same: a collection of old buildings bereft of madams, ladies, drunks, and miners. The buildings are now populated by tourist shops and wooden boat lovers.
I have just returned from Port Townsend and its annual wooden boat festival. With my daughter and grandkids, I admired the real boats, built toy boats, and ate the local fish dishes. The miners may have gone, never to return, but the characters remain, and the place is worth a visit.
While I was away, Joe Reifer visited New Idria. He tells us this was a quicksilver mining town in Central California that was abandoned in the 1970s. Take a look at his collection of photos of this town that will never have the charm of Port Townsend.
While I was frittering away money on trivialities, real money was being lost as New York investment banks went bust, gold and platinum returned to prices reminiscent of a year ago, and more people I know lost their jobs. An exploration company in our building offered to sublease us office space as they try to survive amid crashing share values.
At least one thing remained constant while I was away: the investment advisors continued to tell us that the price of gold will soon exceed $1,000. Amazing the bullheaded optimism of those bitten by the gold bug and a desire to predict.
Another mine tailings dam collapsed killing hundreds and China's system was reveal naked as a vicious dragon. We will have to bear the sanctimonious rantings and ravings of the NGOs on this failure for years to come. But not one will note the failure of the political system that let this happen. It will be more expedient to blame mining in general rather than venial & undemocratic systems.
The theme that ties these events together is that the world moves fast and leaves behind those peoples, places, and institutions unwilling or unable to adapt. And this is a good thing, for if all the world were as static and top-down-controlled as is China and the privileged mandarins who head the New York investment institutions, we would have even worse problems to face. I look forward to more backwaters like Port Townsend.

subset: commoncrawl


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Cape Town — Farmworkers continued protests in the Western Cape and burned tyres on Wednesday morning while police fired rubber bullets to disperse a crowd.
Residents set tyres alight in the De Doorns informal settlement, and a road leading into Stofland was blocked by a heap of burning tyres on Wednesday morning.
A few residents milled around the tyres, with an armoured police Nyala parked nearby.
The highway was open on Wednesday morning and a portion of the national road near De Doorns was marked with black circles, indicating where police had earlier removed burning tyres.
At Prince Alfred Hamlet in the Overberg, police fired rubber bullets at a group of about 70 farmworkers who pelted police with stones.
Police spokeswoman Constable Lybey Swartz could not confirm this, saying no reports had reached the Western Cape media centre.
Grape harvesters in the Hex River Valley have been protesting for over a week about their wages, demanding R150 a day. Most earn between R69 and R75 a day, with R80 being the highest and only offer from farmers so far.
According to reports on Wednesday, protests were taking place in 16 towns across the province and several workers had been arrested for public violence.
Food and Allied Workers' Union president Attwell Nazo and general secretary Katishi Masemola will later address workers in Ceres and De Doorns.
In Piketberg, on the Cape West Coast, workers gathered outside one of the farms in the area amid a heavy police presence.
They were bussed in or arrived on foot from the surrounding farms in the area.
Agriculture Minister Tina Joemat-Pettersson was expected to meet President Jacob Zuma on Wednesday to obtain his support for higher wages for farmworkers.


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Find hotels & motels in Biggleswade using the list below. Find cheap and/or discounted hotel rates in or near Biggleswade, United Kingdom for your personal leisure or group travel. We list the best Biggleswade hotel rooms. Review the Biggleswade hotel list below to find the perfect lodging. We also have a map of the Biggleswade hotels.The Biggleswade center point is around 9 miles from City Centre Beford and 12 miles from City Centre Stevenage.
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2 games i have come up with, feel free to change, but let us now!
game field 1: game field 2: 16 people total people GUNS STRUCTURES TREES ...
build 2 buildings in woods, allong with walls. you can add guns+such......
build. walls 10 ft high, 1ft thick, at least....., base may verry, you can put guns mounted, put it on a out cropp, that sorta thing.....
well, play! have fun. dont sie
TELL ME! im comming up with airsoft/bb/paint ball artillery.
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Trauma 101
In this series we will go through what happens in the brain and the body after you have been traumatized. Trauma 101 is in basic terms how traumatic experiences are encoded and stored in the brain. There is a whole science of trauma that answers some of the questions of the emotions you experience, the images and sounds that can reoccur around a traumatic event. We also will cover ways of coping with traumatic experiences based on this new knowledge.


text: It's been an open secret amongst our local politicians for over a year that the Sunrise River Power Station will not be built. LS Power's actions since March of 2010 have led the utility company down other paths that do not include a Power Plant in Chisago County. In the past year-and-a-half L...Read More


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(PRWEB UK) 13 August 2012
There is a lack of adoption in both the recruitment agency and corporate HR markets of Facebook, despite the fact it has 900 million monthly active users and offers unparalleled opportunity to communication with candidates and clients.
The Facebook Recruitment Marketing Guide provides practical tips on using Pages to generate interest, build awareness and achieve business objectives. It provides solutions to tricky questions like:
300 million photos a day are uploaded to Facebook, and it's available in 70 languages. Insight from 4MAT shows that resistance to using social media in recruitment is usually due to a lack of training or knowledge.
James Saunders, Managing Director of 4MAT says "For most companies getting on Facebook is essential. It's fantastic for brand presence, it's great for advertising vacancies and you can talk and, importantly, listen to candidates."
Download the guide http://www.4MAT.com/Facebook-Guide, visit http://www.4MAT.com or contact email@example.com to receive a copy.
4MAT Press Release End Notes
4MAT is a full-service marketing agency providing brilliant websites and marketing services to recruitment consultancies and corporate employers. We help our clients to succeed by providing expert marketing services, creative ideas and well-crafted technological solutions. To contact 4MAT regarding your recruitment marketing needs please get in touch with on firstname.lastname@example.com or call 0207 392 1703.


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Buttermilk Pancake Mixuser rating
Buttermilk: Our best selling mix. Buttermilk is what most people would call "regular" pancakes, but there is nothing regular about it. Our mix is superior to all others, and we think you will agree. Enjoy Buttermilk pancakes hot with pure maple syrup, fresh fruit or try adding fruit or chocolate chips (kids love this) right into the batter. Have fun with them--we do.
About the Producer
New Hope Mill Mfg.
Auburn, NY
Website: http://www.newhopemills.com
New Hope Mills has produced quality products for more than 180 years to earn its distinction as one of America's oldest flour mills. Although the mill is no longer used for producing flour, it is being preserved with operations intact, with the goal of an operational museum. We now have a 33,000 square foot manufacturing location in Auburn, N.Y., only 30 minutes from our original location in New Hope, N.Y. The quality of our products remains a prominent goal. New Hope Mills offers a variety of gluten-free and all-natural products that are free from chemical additives and artificial enrichments.


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TANZANIANS in general and parents in particular have every reason to celebrate. In less than two weeks, the government has announced the arrival of two vaccines that are tailored to save the lives of children under five years of age.
The two vaccines are an anti-pneumonia one, known as pneumococcal and an anti-diarrhoea vaccine, which is known as Rotavirus in the parlance of the medical world. The latest vaccine arrivals tackle Hepatitis B and measles. A comprehensive nationwide vaccination campaign against childhood illnesses takes off next month.
The campaign has been affectionately christened, "Reaching Every Child Approach." Indeed, this is a wholehearted initiative towards saving children's lives. Pneumonia, diarrhoea, Hepatitis B and measles are notorious child killers in this country, apart from malaria which is rated as the most dangerous.
We must mention at the outset that statistics on childhood deaths are hard to come by in this country but the figure could be staggering. Each year, some 1.7 million children worldwide die from diseases that could have been prevented with vaccines, according to Unicef. Children who are immunized are protected from these dangerous diseases, which often lead to disability or death. In Tanzania, thousands of children die despite efforts to minimize the death toll among infants.
The disturbing fact is that their parents are ignorant about the benefit of immunization. We find it imperative to point out here that immunization is a right for every child. It is on record that some parents, especially in rural Tanzania, do not ensure that their children are immunized fully.
Partial immunization is wrong. In some countries, additional vaccine doses, called booster shots, are offered after the first year of life. These shots make the vaccine protection even more effective. Immunization protects children against some of the most dangerous diseases of childhood.
All children, including those who are disabled, need to be vaccinated. A child is immunized by vaccines, which are injected or given by mouth. The vaccines work by building up the child's defences against disease. Parents need to know that immunization only works if given before the disease strikes.
A child who is not immunized is likely to get measles, diarrhoea, pneumonia, Hepatitis B, whooping cough and other diseases that can kill. Let all and sundry heed to the call to send their children for immunization, please.


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Temptalia Asks You – Do you complement your makeup with accessories?
Do you complement your makeup with accessories? Do you add a scarf during the winter? Earrings that match?
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"Why Maverick Squared Falls Flat for Me"
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Australian Electro-Sensation Parralox Releases New Single 'Sharper Than a Knife'
If ever there was a new band to encapsulate and emulate the legendary stylings of Depeche Mode, The Human League, Erasure, New Order, Pet Shop Boys and the spirit of Madonna in her 80s day-glo era, then Australia's Parralox are a modern-day reincarnation.
On December 10th, Parralox released the single, along with a digital remix package for 'Sharper Than A Knife' via iTunes. The package includes The Wideboys, Andi Durrant, Steve More and the immensely popular Pete Hammond remix that was featured on both influential UK online tastemaker publications Popjustice and EQ Music Blog.
With a love for all things synthetic, surreal and science fiction, there are very few relevant and contemporary bands making electronic pop today like Parralox. Their passion for razor sharp production with a stylistic flair that is both vintage fabulous and future chic puts them at the forefront of pop culture.
Believe in Electric Love. Live In Electric Dreams. Embrace the electronic pop world of Parralox. Keep up to date with Parralox at www.parralox.com.
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I've been thinking endlessly about this. Where we live, to buy a small fixer upper in a borderline/sort of safe area but with bad schools would still be 50% of dh's income. Yes, that's really 50% and that's just counting the mortgage and taxes. Insurance and utilities and maintenance would put us way higher.
I know a lot of people that had help buying their home (money from parents, inheritances, got to save a lot when they were younger by living at home, etc.) and that lowered the payments enough to make it affordable but I can't believe it's everyone. So does everyone else just pay above the recommended 33% cap for housing or are there really places with a low enough cost of living AND jobs to make that reasonable?
If you wouldn't mind sharing ... what do you do?
mama to three little ladies
Yes, it is possible, but probably not everywhere in the US. I was single when I bought the home we still live in. I was in my 20's. I saved. I worked, and had no help. I actually had no financial help from the time I was 18, through college, etc. I bought much less than I could "afford", but I live in a low COL area. So, I know it can be done, but it may have to do with where you live. In fact, even when I bought the home, it was only about 18% of my income. Now, dh is the sole breadwinner (I work very part-time and will go back when dd gets older) and it's about 7% of our income. I believe that some places in the US are just harder to own.
However, I will say this... we live very intentionally. We would not want to be house poor. We could technically afford a home worth about 3 - 4 times our current home, but we enjoy doing other things so we prefer that our home is the most frugal part of our lives. Also, in the spirit of full disclosure, we are older now (in our 40's and 50's), with good careers and actually have the cash to pay off our home if we wanted to. I think it may be a person's situation that to afford the "other" things, they may have to compromise and just not own.
I have analyzed this situation endlessly. It does seem that most of the people I know either
1) had help with the downpayment
2) had high-paying jobs early in life
3) bought a cheap fixer-upper and fixed it up
4) just plain bought at the right time
We are in a high COL area. Currently, the super-cheap rent deal we have is about 20% of our take-home pay (health ins. and student loan repayment make up another 20%, but that's another story). If we were to be able to save up enough for a downpayment, the mortgage on a modest place would still be about 50% of our take-home pay. I'm not comfortable with that figure, and we're not handy enough to want to take on a foreclosure or something like that. We like our apt., fortunately, so we're staying put! (Besides that, other issues come into play - we love our kids' school, for instance, but this area isn't where we would want to buy; I have some concerns about buying a condo, etc.)
Mom "D" to DD1 "Z" (15) and DD2 "I" (12) DH "M"
We are over the 33%, but do live in a very high COL area. We have an old home in a rural area so our house is actually not bad at all for the state, but taxes and insurance here are some of the highest in the country. When we moved from a lower COL area DH got a pay adjustment and we knew that most of that was to accommodate for the house prices here.
Since we are primarily a one income family we knew that we would be higher than the 33%. We've managed to keep all our other bills at the same rate as when we lived in the cheaper area so we're doing fine even though the house bill takes out a large chunk. Our priority was to have one person primarily stay/work from home so we opted to go with a higher percentage towards housing. If we both worked full time we'd be at or under the 33%.
-Us , Him and her
I live in a low COL area. DH and I bought a brand new house (3BR,2BA) in a nice neighborhood a few years back. We didn't have any family help/inheritance, but we worked hard to save up a small down payment of around $7k and got a good deal on the house. We based the finances on DH's income only, since we thought I might stay at home after any kiddos came along. We managed to come in just under the 33% mark based on his income.
Since then, with raises and a refinancing to a much lower rate, it's actually more like 25% of DHs income. (I do work parttime, but try to reserve that income for the "extras", college savings, etc.) If you factor in my income as well, its more like 14%.
Jen - 29, part-time LDRP RN and Birth Consultant. DH - 33. Married since 2006. 3/09. DD 2010. Expecting a surprise new one in May 2014!
We were able to do it by saving by living very frugally (1 br apartment for a family of 3) and then buying our first home when we were in our late 30's
We are under the 33 guideline with no outside help. However, we also are in our mid 40's and my DH has a higher than average income. We live in a medium COL area, and we opt to live in smaller house than many in our income bracket would choose to live in.
It is because of sacrifices that we've made for DH's career for the last 15 years that we are comfortable financially. We didn't have this comfort starting out. We've built it over time.
Part of it is choices about how to spend money now -- people he works with are surprised when they see our house. It's a nice house in a nice, desirable area, but it is much smaller and less impressive than they expect someone with his title and income to live in -- because the norm in our culture is to be "house poor" no matter what the starting salary!
but everything has pros and cons
We are very similar to Linda on the Move that we intentionally bought a much smaller house than we can technically afford. We had no help in purchasing it and even 11 years ago when we bought it, I was nervous about the responsibility of it all. We live in a city that consistently places in the top 5 of Money Magazines top places to live.
This is why we don't buy. My parents and in-laws are like crazy about it-- to them, owning a home is what makes you a "real adult," and continuing to rent is irresponsible. But I can't buy where we live-- and I won't move, because DH has tenure, and tenure is a hard thing to walk away from in this economy. So we continue to rent. My rent is 31% of our net income, and it's hard enough to come up with that each month. In a lower COL area, DH and I would be able to afford something nice, but only if our income remained the same, which it wouldn't. It's a bind I think a lot of people find themselves in.
It's sad that anyone is made to feel like owning has anything with adulthood. A lot of people have to move often for work and renting totally makes sense in those cases. It makes them no less responsible than the person who has a job that keeps them in one spot.
In some areas of the country it really is almost impossible to own. Dh had a job opportunity in San Jose a while back. There's no way we could have bought if we had moved out there at that time, even though we do so easily here. I agree Llyra that tenure is something to hold on to in this economy.
Also, owning is not it's all cracked up to be. There are as many cons as there are pros.
We did have help with the down payment - a loan from my parents that we repaid. We came in under 33%, including the repayment to my parents. But we bought a smaller house than we could have, and it was just after we got out of college, so our incomes have steadily increased, while our mortgage stayed the same (or got smaller, when we refinanced to a lower interest rate).
We do live in a fairly low COL area.
If the chips are down, the buffalo is empty.
Our mortgage is about 20% of our take home pay, but it didn't start out that way. We bought at a good time and dh's income has gone up as he has advanced at work over the past 8 years. We started at over 40% of our take-home pay and it was painful for many years.
This is the internet, so of course it is hard to give a full picture of our reality, but I can say this:
I am older than many here. We didn't buy until I was 30 and dh was 35. We have a lot of education between us -- that education has opened up more work opportunities. We spent a lot of years renting and working and saving and living very, very frugally. We saved and saved for a down payment. We moved a lot so that we could both work our way up in our careers. I am not working now as we have 3 almost 4 kids, but the effort that we made early in our marriage has paid off with a good, secure job for dh and a comfortable lifestyle. We will never be rich, but we will always have enough.
Buying a house that will cost you half of your income is very dicey. And I would be surprised if you could find a bank willing to give you a loan right -- mortgage regulations have changed and it is much more difficult to get a loan. I would worry that one small housing disaster would sink your family into debt. Houses can be very expensive to repair -- a plumbing leak, a roof leak, a sewage issue -- all can cost large amounts of money.
I just don't think home ownership pays off for everyone. I would think a decent rental in a decent school district and an aggressive savings plan would benefit you more in the long run.
Frugal, food growing mama to my four loves
I agree. I think it is very frustrating to hear it parroted that home ownership is the key to adulthood. It is simply not a realistic choice for a lot of people. And those that I hear repeating the grow-up-buy-a-house mantra have lived through very different economic times. Young people today are faced with a very different picture -- it is much more likely that they will change jobs many times over the course of their lifespan requiring multiple moves making home ownership tricky.
And it is my opinion, that the days of a rapid increases of value in the housing market are over. I have owned my house for 8 years and it is worth exactly what I paid for it. It is not my retirement plan to sell my house and have a windfall of cash. I must plan for retirement and that plan does not include my house. If I make money on it, terrific, but it is not a guarantee.
My family pushed hard for us to buy and we did because it made sense for us, but I will not reap the same benefits that my parents and in-laws have gained from the sales of their houses.
Frugal, food growing mama to my four loves
I agree with what was already stated - buying a home for half of your income is not really wise, especially in this economy.
I want to say that I don't think owning is for everyone at every point in their life. Also, 33% of a $50,000/year income can be vastly different from 33% of a $250,000/year income. You have to figure out what percentage works for you now and project how it will work long-term (yes, some guessing involved).
We bought right at the 33% line. We live in a low COL area, but also an area with low salaries. We bought in the times of much lower restrictions and only had something like 1K down and so I don't think us from then would even be able to buy today. We stuck to our budget really strictly and we searched for months for what we wanted in that price range. We finally ended up buying a "for sale by owner" house for a bit below market value. But even that 33% was really hard for a while. Basically the only lower cost things we see around here are our salaries and our houses. So food and other consumer items cost just as much making them a much bigger percentage of our income. Luckily for us our careers and pay have increased over time and our house is now somewhere around 15% of our income. I agree with what a previous poster implied. Money and time are more wisely spent on getting an education and a stable career path before embarking on home buying right now.
I love our house, but it is smaller than some of our friends. I have big dreams for building on and making changes, but right now those aren't possible and we are okay with that because our mortgage is very doable right now. We have been in our house for 6 years and have only about 10% equity. That is with making an extra payment a year for several years and with us buying slightly below market in the first place. Houses used to be an investment, but not right now.
Buying a house that will cost you half of your income is very dicey. And I would be surprised if you could find a bank willing to give you a loan right -- mortgage regulations have changed and it is much more difficult to get a loan. I would worry that one small housing disaster would sink your family into debt. Houses can be very expensive to repair -- a plumbing leak, a roof leak, a sewage issue -- all can cost large amounts of money.
I just don't think home ownership pays off for everyone. I would think a decent rental in a decent school district and an aggressive savings plan would benefit you more in the long run.
I agree with this. We could push ourselves and make something work, even in this high COL area, but we chose to prioritize our own educations, time w/ kids (being there after school, etc.), kids' activities, volunteering, etc. instead of the overtime hours that would be required to swing it (and then barely). BTDT worked up to 60 hrs./wk. for almost ten years - no, thanks.
Mom "D" to DD1 "Z" (15) and DD2 "I" (12) DH "M"
I agree with what was already stated - buying a home for half of your income is not really wise, especially in this economy.
I want to say that I don't think owning is for everyone at every point in their life. Also, 33% of a $50,000/year income can be vastly different from 33% of a $250,000/year income. You have to figure out what percentage works for you now and project how it will work long-term (yes, some guessing involved).
I think how much you earn makes a big difference. After you take out our mortgage we still take home more than the average median income in the US. Since the pay is high here (and Dh has a good job) we are still debt free, own 2 newer cars, eat well, travel regularly and have some tucked away to repair our very old home. Our quality of life is good even though our mortgage is high. If our mortgage was the same percentage it is, but we made less, then it would be more of a struggle and our quality of life would suffer.
-Us , Him and her
I think this is the case for most people - I earn more than twice what I earned when we took out our mortgage 14 years ago. It is more difficult in the beginning, but gradually the mortgage becomes less and less of the overall income. We did take a much smaller mortgage than we were offered even then.
Ours is 20%. Like other PP's meantioned at first it was closer to 35% but we have lived here for years and our salaries have gone up. We pay extra every month (we do Dave Ramsey) and will be mortgage free in five years.
We thought about moving to a bigger or nicer house once upon on a time and never did. We realized we wanted to really live in the country so would rather we save and buy our dream home rather then keep up with other people.
We are around 33% once we add up mortgage, insurance, utilities and a small amount for maintenance. We bought this house 9 years ago. Prices have gone up a lot since then. We don't have a huge income, and I can't see how we'd cover everything else if we were paying over 50% of our take home on housing.
My house payment is right about 33% of my take home pay. when I get rent from it it goes down to about 10%.
I live in a bad neighborhood (with a great schools)
I live in a duplex
I live in a low cost of living area
I live on a corner lot
I have no equity
The 33% includes insurance, and taxes but not maintenance which can be quite a bit.
My house sucks.
The truest answer to violence is love. The truest answer to death is life. The only prevention for violence is for the heart to have no violence within it. We cannot prevent evil through any system devised by mankind. But we can grapple with evil and defeat it, but only with love—real love.
Our mortgage, taxes and homeowners insurance are about 25% of our take-home pay (which includes DH's two jobs and my part-time job).
We want to move to a slightly larger house, which would raise us up to about 33% of our take-home pay, and that makes me really nervous! We don't have much left over each month even at the 25% level. We had to make some home repairs this year, and food costs us a fortune.
I would not buy a house at 50%. It will just cause you tons of stress. Especially if the schools aren't that good, etc. I would actually prefer to be a renter, but of course DH (who grew up in apartments) prefers a house.
Whatever you decide, good luck!
We rent, we won't be buying until we have cash to buy or build. This works for us because we still don't know where we want to live when we are finished with our PhD programs. DH will be done with his Summer 2012 and I will go back to finish mine Fall 2012. We currently rent a very nice duplex, for the college town we live in, and rent is 16% of our take home. If you include utilities it is 24% of our take home pay. DH is an Electrical Engineer though who works full time in addition to his PhD program so his salary is much higher than average around here. This semester I started teaching at the local university again, just 1 class, to give myself something to do outside of the home.
We do. I think our city has a pretty moderate cost of living, and we have bought forclosures, which are way below your average listed "fixer upper". The most recent house had plenty of cosmetic stuff, but just needed to be cleaned for us to move in. We arranged a 15 year fixed loan with my dad, and the mortgage is about 25% of dh's take home pay from his job, but probably about 20% of total income since we also have a little extra coming in from rents. Our income is below the national average, and well below what most people in our area consider "liveable".
I am sure that there are areas where it is impossible. But I would encourage you to look at all your options before you decide it is. I've heard a couple of people in our area (moderate COL, with incomes double or triple ours) say "Oh, if I only spent that much, I'd end up with some shack in the 'hood". I don't know if they just aren't aware of what's available, but that's simply not true. So it's worth digging a little deeper to see if you could possibly get housing for less. :)
I think how much you earn makes a big difference. After you take out our mortgage we still take home more than the average median income in the US. Since the pay is high here (and Dh has a good job) we are still debt free, own 2 newer cars, eat well, travel regularly and have some tucked away to repair our very old home. Our quality of life is good even though our mortgage is high. If our mortgage was the same percentage it is, but we made less, then it would be more of a struggle and our quality of life would suffer.
I always wonder how true this is. I mean, if you make $250k per year, you're paying a significant amount of taxes. You have a higher marginal rate, plus many of your deductions are reduced or taken away. Plus your second biggest expense is probably 401k, and the recommended amount for that is based on a percent of your income, not a dollar value. It seems to me like 33% of gross pay is still the maximum you could pay for a house for most people, especially since many young people with $250k plus salaries had to take student loans to get there.
I always wonder how true this is. I mean, if you make $250k per year, you're paying a significant amount of taxes. You have a higher marginal rate, plus many of your deductions are reduced or taken away. Plus your second biggest expense is probably 401k, and the recommended amount for that is based on a percent of your income, not a dollar value. It seems to me like 33% of gross pay is still the maximum you could pay for a house for most people, especially since many young people with $250k plus salaries had to take student loans to get there.
If you're making $250,000, your taxes are probably around $88,000/year, you may put $30,000/year into retirement, and your estimated take home pay is $11,000/month. With those figures, you would be perfectly fine spending a larger percentage on your home than someone who takes home $3,000/month. Now, other debts, cost of living, and lifestyle choices play a part in what you can afford and what you want to purchase, but income makes a big difference.
When we purchased our house in 2007, we were within the 33% recommendation. At the time, we were a two income family with no kids. We had assumed our incomes would go up and that this was a reasonable mortgage to take on. Our house is a modest size (2 bdrm, 1400sf, 1 car garage), but in a great location with a great school district. We could have bought a cheaper home elsewhere, but felt our quality of life would suffer with long commutes, bad schools, and/or high crime. Our downpayment was money made from my husband selling his previous home, which had been purchased with zero down before the housing market topped off.
Fast forward 4 years ... After a plunge in the housing market, loss of my job, birth of a son, and several very costly unexpected home repairs (totaling over 20k), we are probably now closer to 50%. It's hard and the house needs a lot more costly work which we can't afford. A lower mortgage would take off a lot of stress, but we can't sell our house since it's worth less than we owe and I have yet to see a place that I think we'd be as happy and safe that would save us enough money to make it worth the move. For now, we are just hanging on hoping it will work out in the long run.
Mom to one happy Senorcito (06/09) ... allergic to wheat, nuts, dairy, eggs, sesame, peas and soy.
I remember back when we were obsessing about buying a house. It was around the time the SHTF (2008-2009). I would read financial blogs, run numbers, and drool over MLS.ca every day. Our living situation was awful at the time and buying a house would solve everything. Part of me wanted to buy the first house I saw but I was so scared. (It was scary back then!) We looked intensively for 8 months before finding a house that was right for us. Even at that point, it was a giant leap of faith, wondering how steady the economy was, how stable DH's job was etc. We fell in love with our house, but also, a HUGE deciding factor was that it was so cheap. When deciding how much we could afford, we only based it on DH's income (because mine was so random) and bonus if we could afford to make payments if he was on unemployment getting 55% of his gross pay. Yes, did I mention we were scared?! We live in a LCOL area but that also meant that in general, jobs pay less too. Thankfully DH's pay is decent for his field (welder). I would place us at the low end of middle class.
The house was cheap because it's a fixer upper. It was technically livable as is.... if you have low expectations out of life. Counting mortgage, taxes, home insurance, our living costs were way under 33% of DH's income. When you throw in renovations and home repair costs.... that # jumped to over 50% (my brain won't even go there to calculate it). After a year and a half of pay as you go + a leaking roof, we refinanced and it was sooooo nice to have that extra pile of money to work with. We kept our mortgage to 15 years and even now our costs are just about 33%. We're nearing the end of major home repairs and DH and I have firmly decided to up our weekly automatic savings. Without that extra money being poured directly in the house we're going to feel so rich and don't want to blow it all!
We didn't buy our house until we were 28/30. We were in apartments for a good 10 years. :/ My advice would be to bloom where you are planted. If you have to live in an apartment, do what you can to make it unique. Get rid of dorm furniture. Buy a couple of nice pieces of furniture now, don't wait for when you buy a house. For a long time, I put off doing so much for "when we have a house". In the end, I realized life wasn't worth living that way. It really sucked, but I'm glad we waited to buy a house. 1) We couldn't have truly afforded it before, 2) the house our 20-25 year old selves would have chosen is not the type of house we actually would have wanted to live in long term. It would have been too expensive to maintain, would not have made sense for our lives etc.
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Choreographer-turned-actor Salman Yusuf Khan, who is making his silver screen debut with Remo Dsouza's "ABCD - Any Body Can Dance", says he got goosebumps after seeing his name on a huge vanity van on the first day of shoot.
"When I went on the sets for the first day of shoot, it felt fantastic. When I saw my name written on a huge vanity as 'actor Salman', it was an awesome feeling. I can't explain the feeling," Salman told IANS.
"I got goosebumps! For sometime, I just kept staring at my name written on the van. Once I stepped inside, there was no looking back," added the 27-year-old.
Produced by UTV Spotboy, "ABCD - Any Body Can Dance" is said to be India's first 3D dance film. Apart from Salman, the film features Prabhudheva, Kay Kay Menon, Ganesh Acharya, Dharmesh and Mayuresh.
It will hit theatres Feb 8, 2013.
Salman became popular after winning season one of dance reality show "Dance India Dance" in 2009. He featured in the title track of the film "Wanted" and participated as a choreographer in "Jhalak Dikhhla Jaa 4" as well as "Jhalak Dikhhla Jaa 5".
Post "ABCD...", Salman will be seen in Vivek Agnihotri's "Freedom". He is currently recuperating from an injury, and is in Bangalore, from where the promotional tour of "ABCD..." will begin in the first week of the new year.
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All the best Salman!! Can't wait to see you in ABCD!!!
ABCD is a copy of hollywood, there are many hollywood dance films. This film reminds me of the Step Up films. Why does bollywood copy hollywood. There is a hollywood film called Day and Night and now there will be a bollywood version. Also hollywood people are coming to bollywood.
Edited on:31 December 2012 at 7:33pm
wow so ugly ppl dont deservess to be actor ...claps to such low mentality
Wishing you speedy recovery Sammy boy. :D :D
Finally you have short hair now. can't wait fr more pics of yours. :*
cant wait!
i loved him in dance india dance
although i prefered his hair when it was shorter
Love you Salman Yusuff Khan!
So another movie up his sleeves?!
Wow..that's just awesome! :D
i got goosebumps reading this ...love you salman
Love u salman.firs day in DID we knew u wld make it big. all the very best
Ace choreographer and director Remo D'Souza has signed a two film deal ...
After having a successful run at the box office with films like "Ek ...
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Lorenzo Pagani
The 2012 prize for the most notable market moving event in Europe can be comfortably assigned to the announcement of the European Central Bank's (ECB) Outright Monetary Transactions (OMT) programme. The prize is even more deserved when we consider that although OMT has not been actively implemented yet, the yields of two-year Spanish government bonds have moved from a peak of 6.6% in July 2012 to 2.6% in January 2013 (see Figure 1).
This spectacular performance has been driven by a real change in investors' behavior. Foreign investors, who were moving their savings away from peripheral countries since the summer of 2011, started to move them back into peripheral countries – slowly, but steadily. Data on net private capital flows from Eurosystem's TARGET2, an interbank payment system for the real-time processing of cross-border transfers throughout the European Union (EU), show this trend (see Figure 2).
This astonishing move led some European policymakers to go as far as saying that the worst part of the developing situation in the eurozone is behind us. We should not, however, forget that OMT is not a solution, but just a tool to buy more time, with its effectiveness depending on how it is leveraged. We even would argue that the optimal way to use OMT is as a preventative tool, not as an active tool. A country like Spain should ask for support preemptively and use OMT for what it really is: a watchdog for sovereign yield spreads that can bark loud although it may not bite hard.
To assess OMT's effectiveness, let us analyze it from four points of view:
ECB willingness ECB President Mario Draghi has used words such as "whatever it takes" and "believe me, it will be enough" during his most recent crusade to preserve the euro, which started with his now famous Global Investment Conference speech in London on 26 July 2012. While we should not expect Mr. Draghi to use weaker words than he used, we think that he really is serious when he says it. He means it. Believing in the ECB, however, is no more than an act of faith. The skeptical investor should investigate whether there is something more in addition to words. A lot has been said about the fact that OMT has no ex-ante quantitative limits and that the ECB will be pari-passu (treating all parties the same) with private investors. For bullish investors, these programme characteristics are enough to make sure that OMT will work if needed. It is assumed that the unlimited purchase of bonds under OMT will succeed in crowding-in private investors; an objective at which the ECB's previous programme, the Securities Market Programme (SMP), failed miserably. This type of potential behavior is also known as "the ECB can and will go all in as needed".
Yield target However, size potential is not the only variable that counts to succeed in crowding-in investors, as the SMP has already shown. It is worth reminding that the SMP2's size (the second installment of the ECB's SMP, which focused on Italian and Spanish government bonds and was in place from August 2011 to January 2012) was sufficient to absorb the gross issuance needs of Italy in the third and fourth quarters of 2011 but it was still not able to stop Italian yields increasing from 5% to 7%.
In the first weeks of the SMP2, there was a belief that the ECB may have been targeting a limit close to 5% on 10-year maturities. The failure to defend such a limit created doubts about the existence of such a limit, triggering a flight to safety from private investors. Without an explicit yield target, it was impossible to convince investors that Italian 10-year bonds at 7% were a great opportunity under the SMP. Given the failure of SMP, it would seem natural for OMT to define some sort of yield target. But so far discussions about whether the ECB will defend a specific spread have resulted in no conclusive answers. This leaves investors to decide ex-ante about the real effectiveness of OMT in the absence of an explicit yield target. While we believe that members of the ECB board understand this issue and some of them would like to have some form of transparent target, we also think that the absence of such a target is justified by the need to self-limit OMT by design for two reasons. The first is incentive structure: It can be argued that the guarantee of low yields would dis-incentivize a country from implementing much needed and painful structural reforms. The second is that it can also be argued by opponents of the ECB's government bond-buying programmes that imposing a cap on yields could be a form of government financing, which is forbidden under international treaties. The absence of an explicit target may therefore be justified to make sure that OMT cannot be criticized.
Limitations There are also other explicit limitations. First, for a country to benefit from OMT, a strict and effective conditionality attached to an appropriate European Stability Mechanism (ESM) programme is necessary. Second, the country must have access to the primary market. And third, OMT will focus on the short part of the curve only – that is, up to three years of maturity.
Taken at face value, these additional limitations make OMT look much more constrained than the SMP. But is it really true? These limitations actually are strategic steps to protect the existence of OMT. The need for a country to come under the ESM programme gives the ECB the excuse not to be involved in fiscal policy, while the need to maintain access to primary markets gives the ECB an excuse not to provide market financing. Finally, the maturity limitation means that the ECB will focus only on the monetary policy spectrum. When considered all together, these limitations are actually protecting OMT from critics.
Sequence of implementation Given current market levels, the ECB's strategy seems to be one of "wait and see". Countries such as Spain think that at current levels the ECB will not actively buy their government bonds because of the self-imposed lack of a yield target. Politicians prefer not to do anything in order to have a last bullet to fire in case of sudden spread widening. But is this the best strategy?
Let us imagine what would happen if spreads widen and investors start selling: The widening momentum is likely to build up between the initial signs of spread widening and the time the ECB actually starts intervening. There is also the risk that the widening would trigger all kinds of unintended consequences, including the risk of rating downgrades. If that is the case, it is possible that only a full "all-in" response by the ECB could reverse the selling flows. But an unconstrained "all-in" strategy means removal of self-limitations and risks attracting critics among member countries, potentially even within the ECB's Governing Council. Those critics would make things more difficult and uncertain, and potentially (not necessarily) lead to failure as it happened with SMP.
On the other hand, if the ECB could intervene very early in the spread widening, it is reasonable to think that a smaller amount of intervention would be needed to convince investors the ECB is serious. A full "all-in" strategy may actually never be needed. The value of OMT is not in tightening spreads actively from here, as Spanish politicians wish, but in keeping spreads from widening again.
The situation in Spain is far from being solved as demonstrated by the recent spread volatility due to growing rumors of inappropriateness by Spain's political leadership. The country's hesitance to embrace the OMT programme and simply wait for spreads to widen, hoping for the best, risks that the ECB's stance on conditionality may harden, commitment from the core will weaken, investors' confidence will waver and that financial risks heighten.
The spread tightening achieved in the last six months has been the result of Mr. Draghi's poker playing skills. It is a better strategy for Spain to maximize its probability of success by cutting the left tail risk via applying to the OMT now and continuing the bluff, rather than waiting for the big widening.
Investing in the bond market is subject to certain risks, including market, interest rate, issuer, credit and inflation risk; investments may be worth more or less than the original cost when redeemed. Sovereign securities are generally backed by the issuing government; portfolios that invest in such securities are not guaranteed and will fluctuate in value.
This material contains the opinions of the author but not necessarily those of PIMCO 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. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. PIMCO and YOUR GLOBAL INVESTMENT AUTHORITY are trademarks or registered trademarks of Allianz Asset Management of America L.P. and Pacific Investment Management Company LLC, respectively, in the United States and throughout the world. ©2013, PIMCO.
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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HSBC "lift" by Grey London
Agency: Grey London
Rating: 5.0
By Nick Batten, campaignlive.co.uk, Friday, 28 September 2012 08:51AM
As reported two weeks ago, the pitch was conducted by the AAR and contested by incumbent MI Media, which partnered with Arena Media, and the7Stars.
Seamus O'Farrell, director of communications at Prostate Cancer UK, said: "Prostate cancer needs to become a highly salient issue, quickly and Prostate Cancer UK must raise revenues dramatically.
"Creative media planning and investment is critical. We need to make every £1 invested seem like £4. Manning Gottlieb has developed some remarkable thinking to deliver this."
MG OMD, part of the Omnicom Media Group, will help the charity to boost awareness of prostate cancer as an issue and raise funds to further its research goals which include developing a robust screening test.
Prostate Cancer UK plans to move beyond its traditional direct response activity, and will work in partnership with MG OMD to "develop its communications strategy and deliver fully integrated plans across multiple channels for the first time".
Robert Ffitch, managing director at MG OMD, said: "Prostate Cancer kills 10,000 men a year. The same tragic scale as breast cancer, and yet awareness of the problem and support to find cures and help is a fraction compared to other terrible diseases in the UK."Follow @nickbatten2
This article was first published on campaignlive.co.uk
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Agency: Grey London
Rating: 5.0


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Helping hands: Group helps plant North Dakota farmer's cropsPlanting season loomed ominously for Bruce Emery this year. He was nursing a badly injured knee and mourning his wife and reliable farm sidekick of 20 years, Tamara. For the first time in 36 years of running his family farm, he knew he wouldn't get by on his own. He didn't have to.
By: Mila Koumpilova, The Forum
Luverne, N.D. - Planting season loomed ominously for Bruce Emery this year.
He was nursing a badly injured knee and mourning his wife and reliable farm sidekick of 20 years, Tamara. For the first time in 36 years of running his family farm, he knew he wouldn't get by on his own.
He didn't have to.
A band of strangers from as far away as Wisconsin converged Wednesday on Emery's farm, 15 miles north of Valley City. They planted 600 acres of wheat and soybeans, free of charge.
Jamestown-based nonprofit Farm Rescue summoned them there. This spring, the 5-year-old group is dispatching volunteers to some 20 farms where misfortune recently struck: a severed hand, a brain tumor, ribs crushed by an out-of-control bull, a neck broken in a pickup rollover.
"We're helping Bruce through a difficult time," said Farm Rescue founder Bill Gross, a full-time pilot and one-time North Dakota farm boy.
This spring, Emery's 17-year-old son, Jarret, juggled homework and calving the family's 200 cows. He got up at 5:30 each morning and, occasionally, went to bed come morning.
Laid up in his room, Bruce was antsy.
"My cell phone would go off pretty regularly," said Jarret.
The Valley City High junior took to calling his newly overprotective dad "grandma." Bruce sat him down for a chat.
"I just don't need any more accidents in my life," he told Jarret.
Tamara, a school volunteer and Girl Scout leader, died in November at Fargo's MeritCare after an ATV accident. The tragedy delayed daughter Shana's deployment to Afghanistan with the National Guard.
In February, Emery slipped in his driveway on the way to church and tore a knee cap tendon.
Neighbors and friends rallied to help. For weeks after Tamara's funeral, the family's two freezers were packed with home-cooked dishes. A neighbor combined Emery's beans that fall. But planting season was different.
"You hate to impose on neighbors because everybody's busy," Emery said. "It was pretty stressful thinking about what we were going to do."
That's when a neighbor, Tony Heinze, contacted Farm Rescue.
Since 2005, the group has helped more than 100 down-on-their-luck farm families in Minnesota, the Dakotas and Montana. On the heels of coverage in People magazine and on the "Today" show, volunteers flocked from Texas, Pennsylvania and Kentucky.
"I grew up on a family farm, so I can really relate to the hardships these guys encounter," said Joel Kaczynski of Breckenridge, Minn., who came out to run an air seeder on Emery's farm.
More often than not, neighbors reach out to the Farm Rescue, says Gross: "Farmers are proud, independent people who don't want to ask for help."
Emery admits it's been tough for him to watch from his pickup as others tackle the chores he's handled for decades.
"It's a new experience for me to depend on people," he said Wednesday as he watched volunteers prepare to plant the last of his soybean seeds. "I've always done things on my own, and it's hard to turn them over to somebody else, especially strangers."
But he is grateful for the help nevertheless. Now "down to just one crutch," he hopes he will take over again by harvest time. Besides, he has discovered a new trusty sidekick: his son, Jarret.
The Forum of Fargo-Moorhead and the Herald are Forum Communications Co. newspapers.
Tags: daily updates, north dakota, luverne nd, news, agriculture, farms


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Home > Skateboarding > Globe | The Sabbath: David Gonzalez
David Gonzalez charges everything he sees and keeps it gnarly as fuck. For that reason Globe has blessed him with a new signature shoe called The Sabbath. Check out David putting his kicks to the test in this short film.
[…] 2013 Radcollector for Titel Media. Author: bradclarke | Permalink | No comment | Add to del.icio.us Post tags: david gonzalez, […]
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WOULD you trust a robot with a gun? Roving robot sentries are now being deployed to guard nuclear installations and patrol borders. Some of them are armed with deadly weapons (see "Intruders beware: armed robots on patrol"). They look more like golf buggies than Robocop, but the principle is the same.
Their makers insist that they are safe, and a human is always on hand to take control remotely. But the next step, already under development, will be robots able to decide for themselves whether to "engage" a target.
Handing weapons to robots is asking for trouble. Robots may be mature enough to patrol autonomously, but they are far from ready to make life-or-death decisions. And then there are accidents to think about. Anyone who remembers the "20 seconds to comply" scene in Robocop will understand the dangers.
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Find peace of mind in knowing that your pet is receiving a unique experience through quality care in a comforting environment.
Never again feel guilty about leaving your pet while you're at work, away for the day, have to travel on business or get away on vacation. Our upscale boarding accommodations allow for your pet to enjoy a comforting, playful experience away from home. Your pet will be pampered by our passionate, attentive team throughout the entirety of their stay. Our basic accommodations include individualized care for your pet during mealtimes, walking, cleaning and relaxation. For additional attention, a full menu of amenities is offered for canine and feline guests that includes activities such as playtime, hair brushing, cuddle time, massage and mile walks. Our facility is clean, bright and inviting . Canine guests relax in our hand painted, luxurious suites while our feline guests enjoy their independence in our cat-dominiums.
Passion. Integrity. Dedication.
Feline friends can expect to stretch out and enjoy a choice of 9 Catdominiums, which are expandable and may accommodate multiple family members. Views include the large indoor spa area or the great outdoors. Separated from our canine suites, your cat will enjoy a tranquil getaway with an excellent view and lots of love and attention.
Each of Dogwood Pet Resort's canine suites is large enough to accommodate dogs of any size as well as multiple dogs from the same family. Our clean, climate controlled buildings offer three large indoor playrooms in addition to 9 large outdoor play yards and 4 acres of woods and trails. Our spacious new resort expansion includes 23 additional canine suites surrounding our large indoor play areas and a wading pool for splashtime. Bright, open, and climate controlled, our facilities are designed to offer the ultimate vacation experience for your pet. Each suite is playfully decorated in a rain forest, arctic or coral reef theme or themed to match a desirable vacation destination such as Australia, Mexico, Italy or France.
Boredom is never an option for pets staying in our Pet Resort. There's something going on all the time to capture your pet's attention and interest. Consider adding additional amenities to your pet's stay to help burn off some energy and to offer extra, individualized attention. Either way, your pet will be pampered by our enthusiastic and affectionate team throughout the entirety of their stay.
Please note that we provide food and water bowls for all pets during their stay with us. We also offer pet cots and fresh, cozy bedding. You are welcome to bring some of the comforts of home and we will gladly place these items in your pet's suite with them. We sometimes have to remove bedding and toys if they become soiled. Although we use care in handling your pet's belongings, we cannot guarantee that personal items will not be lost or damaged during your pet's stay.
We pride ourselves on individualized care for each pet and that includes nutrition. We offer premium Science Diet foods to our resort guests. We are also prepared to accommodate any special dietary needs that your pet may have though additional fees may apply. Please note that it is against our policy to accept raw or dehydrated diets due to the potential health and safety risks to our staff. The U.S. Food and Drug Administration Center for Veterinary Medicine (FDA-CVM) makes the following statement on its website:FDA does not believe raw meat foods for animals are consistent with the goal of protecting the public from significant health risks, particularly when such products are brought into the home and/or used to feed domestic pets; however, we understand that some people prefer to feed these types of diets to their pets. The U.S. Centers for Disease Control and Prevention (CDC) make the following statement on their website:Raw diets, especially raw meat diets, are not recommended because of the risk for salmonellosis and other infections that can affect pets and their owners.
For guests who require special attention, additional fees may apply. Please speak to a Client Service Specialist to discuss your pet's needs.
|Canine Amenities
|Feline Amenities
To make a reservation, please phone 919-942-6330. The schedule for drop-off or pick up of your pet is as follows:
- Monday – Friday: 8:00 a.m.-5:00 p.m.
- Wednesdays – we are closed every Wednesday from 12pm – 2pm for staff training. Thank you!
- Saturday: 8:00 a.m.-9:00 a.m.
- Sunday: 5:00 p.m.-6:00 p.m.
*Please note that hours may change for Holidays. Call our office to inquire about special Holiday hours and availability during these times.
Canine Guests must be current on:
- Rabies, DHPP and Bordetella vaccines
- Heartworm test (annually)
- Fecal test or deworming (biannually)
Feline Guests must be current on:
- Rabies and FVCRP vaccines
All guests will be screened for fleas and ticks prior to their stay. If fleas are found during a cursory exam, treatment will be administered to the pet. Additional charges apply.


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Somerman, Director of NIH/NIDCR, to Keynote Annual Dental Research in Review Day
Dr. Martha J. Somerman, director of the National Institute of Health's (NIH) National Institute of Dental and Craniofacial Research (NIDCR), will provide the keynote address at this year's Dental Research in Review Day. The annual event will be held on Wednesday, February 27 in Koury Oral Health Sciences.
This annual event is an opportunity for students, faculty, staff and the public to learn about the School of Dentistry's research efforts to improve the oral health of all people. The all-day event is open to the public; parking is available in the Dogwood Deck on Manning Drive.
The keynote address will be held at 1:15 p.m. in Kirkland Auditorium. Somerman's presentation, titled NIH/NIDCR: Advancing Oral Health Through Research, will be approximately an hour long.
Somerman, who also serves as chief of the Laboratory of Oral Connective Tissue Biology at the National Institute of Arthritis and Musculoskeletal and Skin Diseases, is an internationally known researcher and educator. Her research focuses on defining the key regulators controlling development, maintenance and regeneration of oral-dental-craniofacial tissues. Prior to becoming NIDCR's director, Somerman was dean of the University Of Washington School of Dentistry in Seattle, a position she held from 2002-2011. Before joining the University of Washington, she was on the faculty of the University of Michigan School of Dentistry from 1991-2002 and University of Maryland School of Dentistry from 1984-1990. Somerman holds a D.D.S. from New York University, a master's degree in environmental health from Hunter College and a Ph.D. from the University of Rochester. Her research has earned her numerous honors and awards during her career.
For more information on Dental Research in Review Day, visit http://www.dentistry.unc.edu/DRRD.
Posted: 02/18/2013