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Violence and terror
Promoting violence & terror
Violence and terror
demonizing Jews and Israelis
, including citing Islamic sources that depict Jews negatively, and culminating with ongoing
lies and libels
that portray Jews as an immediate threat to Palestinian life and existence, the Palestinian Authority foment violence against Jews and Israelis, presenting it as legitimate and even heroic self-defense.
PA terror promotion takes many forms. Nationalistically, the PA actively elevates violence as a valid and heroic means to achieve political goals, while religiously, fighting and killing Jews has been presented repeatedly by PA religious and academic leaders as Allah's will. On the social level, Palestinian leaders and society honor even the most loathsome of murderers portraying them as heroes and role models:
Dalal Mughrabi
who led a bus hijacking in which 37 were killed, has schools, summer camps, and many other events and places baring her name to immortalize and glorify her and her terror attack.
Click to view PMW special report: "
From Terrorists to Role Models
The success of the PA's promotion of violence is readily evident: A majority of Palestinians support killing and suicide terror against civilian Jews and Israelis. A poll conducted after the murder of eight teenagers who were studying in a Jerusalem high school in 2008, found that 84% of Palestinians supported the murder [NY Times, March 19, 2008, citing the Palestinian Center for Policy and Survey Research].
This violent image of a dagger being thrust into the Star of David has appeared hundreds of times in a video clip for children on PA TV, from 2001 – 2008.
Click to view video
Promoting violence & terror
Palestinian political, religious, and social frameworks justify and promote violence and terror. On the one hand, Imams on Hamas and PA TV, political leaders and even children routinely express calls for future terror attacks against Jews and Israel. Citing the inherent evil Jewish nature, they proclaim that it is an Islamic and Palestinian duty to defend against the immediate threat
and kill Jews.
On the other hand, the PA and Hamas actively glorify terrorists, particularly suicide terrorists, praising the killer and the act of killing as righteous and honorable.
At a PA cultural festival in June 2010, in the presence of the PA Minister of Culture, singers and dancers promote and glorify violence.
[PA TV (Fatah), The song was broadcast live on PA TV on June 4 and was rebroadcast June 24, July 9, July 13, July 16, July 20, Sept. 21, and Dec. 31, 2010. It was rebroadcast in 2011 on Oct. 3, 4, and 7]
Click to view video
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1- Violence for kids
2- Violence for adults
1- Violence for kids
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The Palestinian Authority, Fatah and Hamas have created vast educational, social and cultural networks aimed at children that promote and glorify violence and terror. Palestinian children are taught through educational videos, schoolbooks, TV mascots and cultural events, to see violence and the "armed conflict" as heroic and to see themselves as future fighters against Israel:
"I came here following the conference elections. I hope that there will be more conferences like the 6th Fatah Conference (August 2009). These conferences are important for us because it makes us aware of leadership and that we will be combatants and wage resistance (violence) against the Israelis."
[PA TV (Fatah), July 8, 2010]
Click here to view
At a Fatah high school graduation event, under the auspices of PA Chairman Mahmoud Abbas, the student graduates explained what they were taught by Fatah:
Male graduate
: "In the name of the
(Martyrs), in the name of the prisoners, in the name of the stone and the rifle."
Female graduate
: "In the name of Fatah, the school that taught us the meaning of nationalism."
Male graduate
: "In the name of Palestine: Haifa, Acre, Jaffa, and our Arab Jerusalem."
Female graduate
: "In the name of Palestine: Gaza, the West Bank and the flag of national unity."
Male graduate
: "Fatah is [still] with the rifle. And our rifles are not rusty even if they have fired thousands of bullets." [Al-Filistiniya (Fatah), July 28, 2009]
Click here to view
PA-Fatah summer camp for kids: AK-47 automatic weapons and youth in military uniforms dancing with rifles
Source: Fatah-run Awdah TV, June 12, 2015
Fatah-run Awdah TV program
Morning of my Homeland
reports on the fifth summer camp 'Jerusalem in the Eyes of the Lion Cubs and Flowers of Palestine.'
The report begins by showing children wearing uniforms and carrying rifles performing a folk dance. The camp was eight days long and was organized by the PA National Security Forces. More than 150 children of "Martyrs" (
) and prisoners participated in the camp. The camp took place in Sebastia in the Nablus district, in coordination with the Fatah youth movement 'Institution for Lion Cubs and Flowers of Palestine' (translated to English on their shirts as 'Institution for Young Boys and Girls).
The camp's closing ceremony in Sebastia, during which the campers also danced with rifles, was attended by Nablus District Governor Akram Rajoub, Minister and Head of Bureau of Clerks Musa Abu Zaid, Secretary of Fatah's Nablus branch, and representatives of the PA national Security Forces. The closing ceremony integrated artistic performances and a military parade by the campers during which the Nablus District Governor spoke.
The first and second images show a group of youths parading on stage, dressed in uniforms, some carrying rifles:
The third image shows Nablus District Governor Akram Rajoub sitting in the audience, and the last image shows the audience seated in front of the stage:
Click to view bulletin
PA TV encourages use of children as combatants with image of Palestinian boy holding a rifle
Source: Official Palestinian Authority TV, June 10, 2015
Image taken from Official PA TV program "Photography":
An episode of the program showed chosen photos of Mahmoud Abu Hamdeh, a photographer from Gaza. Among the photos was one of two small children sitting on the grass. The girl is holding a bouquet of flowers and a Palestinian flag is draped around her shoulders, while the boy is wearing a keffiyeh – a traditional Palestinian headscarf - and holding a Kalashnikov rifle.
Child soldier encourages violence against Israel in Fatah Facebook music video
Source: Facebook, Fatah - The Main Page, Apr. 25, 2015
Child singer Muhammad Al-Basyouni:
"See the [Al-Aqsa Martyrs') Brigades (Fatah's military wing) who set up ambushes
The Al-Aqsa Martyrs emerged with rifles
He wore a vest, bade farewell and returned with booty: a machine gun and a cannon
He overcame his wounds
I saw the Brigades' member when he left
A machine gun and a rifle adorned his clothes
May he stay young
The Brigades, the Brigades
The Brigades' hawk with the keffiyeh – who else has his stature?
See how the follower of Yasser [Arafat] reacts when he raises his weapon
Brigades, [your] snipers vowed to hit the target with the first shot
The [Brigades'] bombing made a loud noise
The Brigades set out on a mission and waited for the signal
Tell those who were not there: We laid mines in the orchard
O my land, be strong and tremble from the Al-Aqsa rockets. Be proud
We defied the [Israeli] drone and retaliated against the [air] strike."
Click to view video
Click to view bulletin
Hamas: We bring our kids up "on love of Jihad and Martyrdom-death"
Source: Facebook page of Hamas' Ministry of Interior, Apr. 10, 2015
Posted text:
"These are our lion cubs. We have brought them up on the love of Jihad and Shahada (Martyrdom-death)."
Click to view bulletin
Boy on PA TV: Goal is "to boycott Israeli products and fight the Jews, kill them"
Source: Official Palestinian Authority TV, Mar. 25, 2015
PA TV reporter:
"Instilling the culture of boycotting occupation products in the hearts of children and adolescents was the goal that led the [PA] Ministry of Education to place this issue at the center of all school activities throughout the homeland... Through creative activities, [students] expressed different views about support for national products and resistance through boycott."
Boy participating in the theater contest at a school in Hebron:
"I came to rehearse the play in order to boycott Israeli products and fight the Jews, kill them, and defeat them. The goal is to boycott Israeli products."
Click to view video
Click to view bulletin
Fatah: Terrorist involved in attacks that killed Israelis who also murdered a Palestinian "collaborator" "is a wonderful example for the children of Palestine"
Source: Facebook, Fatah - The Main Page, Feb. 19, 2015
"The hero of the famous Ein Arik operation (i.e., terror attack), the heroic Martyr (
) prisoner Shadi Said Al-Saaideh… Shadi is a wonderful example for the children of Palestine, its youth and heroes of Palestine. He was born from the womb of Palestinian suffering on March 8, 1981 in a diaspora refugee camp in Jordan, and returned to the Gaza Strip after the signing of the Oslo Accords… With the start of the Al-Aqsa Intifada (i.e., the PA terror campaign 2000-2005) he joined Fatah's Al-Aqsa Martyrs' Brigades.
The famous Ein Arik operation:
On February 19, 2002, he [Al-Saaideh] drew his weapon in defense of his homeland and his nation. He went towards the Ein Arik military checkpoint, near the village of Ein Arik, west of Ramallah, together with one of his comrades in the Al-Aqsa Martyrs' Brigades, and carried out a glorious operation (i.e., terror attack) which will continue to shine in the books of the resistance and the self-sacrificing operations (
Shadi, the hero of the famous Ein Arik operation – that extraordinary self-sacrificing operation which shocked the Israeli security establishment and rocked the occupation to its very foundations. For he shot at Israeli soldiers gathered at the Ein Arik military checkpoint, killing 8 soldiers and wounding others, before he and his friend succeeded in retreating."
Click "Full article" for bio of terrorist Shadi Said Al-Saadieh
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2- Violence for adults
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The Palestinian Authority justifies all terror as legitimate armed conflict, coining it "resistance," the Palestinian euphemism for violence ranging from the terror to suicide bombings to stone throwing:
Deputy Secretary of the Fatah Central Committee and former PA senior official, Jibril Rajoub
"Building a school and throwing a hand grenade, in my opinion, are resistance. I build the school in order to strengthen the reasons for my people's resolve, as one of several aspects of the resistance, and when there is a need to throw a grenade [or launch] a rocket, I'll do that as well out of my belief in the inevitable victory of my cause and its justness."
Click here to view
[PA TV (Fatah), May 12, 2010]
The PA at times adds that violence must be used wisely as an effective political tool. Depending on the political circumstances the Palestinian Authority alternates active calls for violence and terror with periods when they say that terror is being postponed because of temporary conditions:
Dr. Nabil Shaath, Fatah Foreign Affairs Commissioner:
"The popular struggle is a fundamental principle whose importance equals that of the armed struggle, since it is the responsibility and task of all the people. The current distancing from the armed struggle does not mean its absolute rejection." [
Al-Hayat Al-Jadida
, May 21, 2010]
Fatah leader Diab Al-Louh once worded it this way on PA TV:
"The rifle seeds and diplomacy reaps."
Official PA daily promotes violence against Israel: "What was taken by force, can only be restored by force"
Source: Al-Asima, bi-weekly distributed with official PA daily, May 27, 2015
Headline: "67 years and we continue to experience the
(i.e., "the catastrophe," Palestinian term for the establishment of the State of Israel) every day."
"On the day following the declaration of the establishment of the occupation state (the so-called 'Israel') [all parentheses in source], armies from Egypt, Jordan, Syria, Lebanon and Iraq, together with other Arab fighters and Palestinian fighters (68.000 Jihad fighters) opened an all-out war against the Zionist entity (90.000 terrorists). Thereafter, the conflict became an international conflict… The Zionist enemy conquered all of Palestine except the West Bank which was annexed to Jordan, and the Gaza Strip which was annexed to Egypt."
Text on image
: "The anniversary of the Nakba - What was taken by force, can only be restored by force."
The image appears on each of the eight pages in the newspaper's section on the Nakba.
Click to view bulletin
Fatah Facebook with picture of rockets: "We will confront our Zionist enemy"
Source: Facebook, Fatah - The Main Page, May 26, 2015
Text and image published on Fatah's Facebook page, "Fatah – The Main Page"
Image of fighters from the Al-Aqsa Martyrs' Brigades with rifles and rockets.
Posted text
: "We promise that we will meet the enemy with two weapons in our hands – faith in Allah and in the inevitable victory, and the weapon with which we will confront our Zionist enemy. We will defend the honor of this Arab and Islamic nation. #Al_Aqsa_Martyrs'_Brigades"
Click to view bulletin
Fatah Facebook post glorifies death fighting Israel
Source: Facebook, Fatah - The Main Page, May 20, 2015
Text and image published on Fatah's Facebook page, "Fatah – The Main Page"
Text on image
: "Al-Aqsa Martyrs' Brigades, division of Martyr Commander Nidal Al-Amoudi."
"If I fall, take my place
O, companion in the struggle
And carry my weapon
Don't fear my blood on the weapon"
Posted text (same as last two lines in photo)
"And carry my weapon
Don't fear my blood on the weapon"
Click to view bulletin
Fatah Facebook glorifies violence as way to unite Palestinian people
Source: Facebook, Fatah - The Main Page, May 18, 2015
Text and image published on Fatah's Facebook page, "Fatah – The Main Page"
Image shows a bullet and Fatah's logo, in front of a map of all Israel and the PA areas covered by a Palestinian flag.
Text on image
: "The Fatah movement succeeded in uniting the entire Palestinian people with one bullet – [quote] Ghassan Kanafani"
Fatah threatens Israel with war in video showing armed fighters training for battle
Source: Facebook, Fatah - The Main Page, May 17, 2015
Introductory Arabic text:
"A message from the Al-Aqsa Martyrs' Brigades (Fatah's military wing) to the Zionist enemy on the day of Nakba" (i.e., 'the catastrophe,' Palestinian term for the establishment of the State of Israel)
Text in Hebrew and Arabic:
"A message to the Israeli people
The battle of liberation is inevitable and closer than you think
Our Nakba will not be forgotten,
you will soon leave, you have no other choice
because your army is weaker than a spider web,
and your society is fake and subject to the moment we return.
Our right will not be lost as long as there is a nation behind it who believes in it and adheres to it
and our rifle is stronger and more insistent than you imagine.
We are never afraid, O usurper
We are the members of the Nidal [Al-Amoudi] unit
Our determination will defeat your hate
in any battle or clash
We are the members of the Al-Aqsa Martyrs' Brigades
We will live as men, we will die as men
We have prepared for you those [men] whose only desire is your destruction
We have prepared the best soldiers
In the brave Nidal unit, soldiers and defenders of the land
We have brought the 103 [rocket] squad
when facing them, it is useless to call for help
We have prepared the best soldiers."
Click to view video
Click to view bulletin
Fatah wants to destroy Israel: "What was taken by force can only be regained by force"
Source: Facebook, Fatah - The Main Page, May 14, 2015
On the occasion of Palestinian
day - the day Palestinians commemorate "the catastrophe" of the establishment of the State of Israel - Mahmoud Abbas' Fatah movement posted a drawing on Facebook that encouraged the use of violence to destroy Israel:
"What was taken by force can only be regained by force,
the 67th anniversary of the
Click to view bulletin
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Topics on this page
1- Violence for kids
2- Violence for adults
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Tile Decorating Workshops at Jackfield Tile MuseumToday
Our Tuesday drop-in workshops are perfect if you want to relax and spend time making a few of your own ceramic masterpieces. With a variety of sizes you could make a collection of coasters, a circular door plaque or a gift for a loved one on a heart shaped tile.
Wrekin Inn Open Mic - Every TuesdayToday
Wrekin Inn Open Mic, Wellington, Shropshire - Every Tuesday
What's On at Blists Hill Victorian Town03/07/2015
With regular special events as well as the regular visitor attractions at Blists Hill Victorian Town, there's always a reason to visit.
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Children will love a visit to Enginuity, the science and technology centre full of hands-on activities and interactive exhibits.
Christenings and Naming Ceremonies at Holiday Inn Telford Ironbridge03/07/2015
Whether you choose a Christening or a Naming Ceremony, our experienced events team will ensure that your day is one to be treasured.
What's on at Telford's Oakengates Theatre?03/07/2015
Find full listings of all forthcoming performances at Oakengates Theatre @ the place in Telford
What's on at RAF Museum Cosford04/07/2015
Check out the upcoming events at RAF Museum Cosford - a fabulous day our for enthusiasts and families alike
The Annual Passport given you unlimited entry to all 10 Ironbridge Gorge Museums04/07/2015
Save time & money - buy Ironbridge Museums Annual Passports to get unlimited visits to all 10 attractions for 12 months.
Open day04/07/2015
Oakengates Carnival day treats, first 5 patients to book on this day will receive £5:00 off their first treatment also there will be a free prize draw for free treatments and discounted treatments.
Charity Screening of The Battle of Britain04/07/2015
Watch the screening of The battle of Britain and then hear from two Battle of Britain Pilots.

subset: commoncrawl


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Video: Lady Gaga and Beyoncé: "Telephone"
By Amy Phillips on March 12, 2010 at 9:40 a.m. EST
What I worry about with Lady Gaga's videos: She crams SO MUCH into every one, I'm concerned that she's going to run out of ideas sooner rather than later. And a boring Lady Gaga video would just be a tragedy, right?
That being said... holy shit. There are no words to describe the "Telephone" clip, co-starring BeyoncĂŠ. No words. Just watch it:
Watch: Florence and the Machine and Dizzee Rascal at the BRIT Awards
By Ryan Dombal on February 17, 2010 at 2:30 p.m. EST
Last night, the annual BRIT Awards went down at London's Earls Court Exhibition Centre. Lady Gaga wore something outrageous while turning in a typically over-the-top performance. Liam Gallagher threw Oasis's award for the Best BRITs Album of 30 Years (as well as his microphone) into the crowd and didn't thank Noel Gallagher in his acceptance speech.
But the highlight-- based on a slew of YouTubes we just gorged on, at least-- was a live mashup between Florence and the Machine's "You've Got the Love" and Dizzee Rascal's "Dirtee Cash" called (yes) "You've Got the Dirtee Love" and featuring ten harpists. (Take that, Newsom!)
Unlike most award-show collaborations, though, it actually seemed like Florence and Dizzee 1) rehearsed, 2) like each other, and 3) wore outfits that made them look good and not just deranged. Watch the team-up and some other highlights after the jump:
Listen: Hercules and Love Affair Remix Lady Gaga's "Bad Romance" Twice
By Tom Breihan on February 10, 2010 at 9:00 a.m. EST
As if Lady Gaga's monster smash "Bad Romance" didn't already have its club-anthem bona fides firmly in place, NYC disco revivalists Hercules and Love Affair have remixed the song. Twice.
Both Hercules' regular remix and dub remix of "Bad Romance" appear on Gaga's new Bad Romance (The Remixes, Pt. 2) EP, which went up at iTunes yesterday.
If that's not enough Lady Gaga remix action for ya, check out Passion Pit's take on "Telephone" here.
Passion Pit Remix Lady Gaga
By Tom Breihan on January 27, 2010 at 9:00 a.m. EST
Photo by Sanchez and Kitahara
Unexpected team-up alert! Massachusetts indie synth crew Passion Pit have reworked "Telephone", the new single from Lady Gaga And it's an official remix and everything! Of a song that features BeyoncĂŠ! Next thing you know, the Passion Pit dudes will start making the awards show red carpet scene covered in fake blood. Stream the track below, via Stereogum.
Kid Cudi Leaves Lady Gaga Tour
By Tom Breihan on December 17, 2009 at 4:45 p.m. EST
Photo courtesy of Universal Motown
In the past year, Lady Gaga has become enormously successful in just about every way that a pop singer can be successful, but she evidently can't make this whole touring-with-rappers thing work. Earlier this year, the huge, ambitious Fame Kills tour with Kanye West was canceled for unexplained reasons. So Gaga instead booked her own Monster Ball tour, bringing along Kanye's fellow G.O.O.D. Music rapper Kid Cudi-- who sampled Gaga on his own execrable "Poke Her Face" single-- as her opener. And now Rolling Stone reports that Cudi has dropped off that tour. Maybe it's time for Gaga to call Consequence or GLC!
Kanye West / Lady Gaga Tour Canceled
By Amy Phillips on October 1, 2009 at 7:30 p.m. EDT
I guess this is what happens when you name your tour "Fame Kills". The Associated Press reports that the Kanye West/Lady Gaga tour has been canceled. (Via Idolator.) It was supposed to kick off November 10 in Phoenix.
Live Nation, the tour's promoter, didn't give a reason for the cancellation.
Hey, at least we got that insane promo video out of it, right?
Canceled dates below:
Kanye/Gaga NSFW Promo Video: WTF
By Ryan Dombal on September 23, 2009 at 2:50 p.m. EDT
In a new viral video pushing Kanye West and Lady Gaga's upcoming Fame Kills tour, someone who strongly resembles Gaga is seen in the buff while being cradled by a hand that may or may not be Kanye's. It's sleazy like Terry Richardson, overtly sexual like Madonna (circa Erotica), and probably more "controversial" than controversial.
The not-at-all-sensationalist title of the post on Kanye's blog with the video reads: "WHAT HAPPENED TO ALL THE ROCK STARS? THE FAME KILLED THEM!"
How awesome would it be if that whole "Imma let you finish" thing was some art-as-culture masterwork that's actually part of the concept for this tour?! I think I just blew my own mind.
The video (below) is only 30 seconds long, so you can probably check it out without your boss calling you into his office:
Kanye/Lady Gaga Tour Dates Revealed
By Tom Breihan on September 15, 2009 at 4:55 p.m. EDT
Kanye West and conceptual pop megastar Lady Gaga both had a big night at Sunday's VMAs. Kanye became some sort of public pariah when he interrupted a Taylor Swift acceptance speech, even reportedly incurring the President's wrath. He's apologized on his blog twice and on "The Jay Leno Show" once.
Lady Gaga, meanwhile, accepted the Best New Artist award while dressed like a bloody tampon. She has yet to apologize.
Back in June, we reported that the two stars were planning a co-headlining tour together. And earlier today, Rolling Stone announced the dates for their perhaps unfortunately titled "Fame Kills" tour, which launches this November in Phoenix and carries both of them through January. Check below for those dates.
Watch Weezer Cover MGMT, Lady Gaga
By Ryan Dombal on July 13, 2009 at 12:40 p.m. EDT
Weezer's live MGMT/Lady Gaga "Kids/Pokerface" cover/mashup-- which we Forkcasted back in May-- must be getting a good reaction on the band's current tour because they went ahead and recorded it in high quality and put together a YouTube-culled video. (Via Stereogum.)
Makes me realize 1) Weezer have not made a song as good as either of these in a long time 2) Rivers Cuomo can't remember what year it is, and 3) it is very disturbing to hear Rivers rap "I am bluffin' with my muffin." Very disturbing.
Kanye West to Tour With Lady Gaga
By Ryan Dombal on June 10, 2009 at 3:05 p.m. EDT
Leave it to Kanye to get Lady Gaga on the front page of Pitchfork. The rapper made the most of his appearance on "The View" today, announcing a co-headlining tour with the "Poker Face" pop freak, according to MTV News.
Whose set will be more insane? Who will wear the most mirrored clothing? And, most important: will either artist be able to actually see anything out of their colossal sunglasses?
Those aren't the only questions up in the air considering West apparently didn't give away when or where any of the shows are going down. Could this mean he's getting ready to promote a brand new LP? Then again, he never officially toured behind last year's 808s and Heartbreak, despite numerous promotional appearances. So many questions.
Check out the MTV story for more.
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Solheim Cup legends and longtime friends Juli Inkster and Laura Davies faced off for the first time in Solheim singles and through grit and grim, ended up halving the match.Read More
Sep 25, 2011 12:07 PM ET
In addition to the Tour Championship title, FedEx Cup and Presidents Cup spots, players are also vying for a spot in the lucrative World Golf Championships-HSBC Champions Sunday at East Lake.Read More
Sep 25, 2011 11:31 AM ET
After sitting the morning foursomes Friday, Morgan Pressel reeled off four consecutive wins to finish a perfect 4-0 at the 12th Solheim Cup.Read More
Sep 25, 2011 10:44 AM ET
Paula Creamer stormed her way around Killeen Castle the first two days with a perfect record and was the brightest star for the U.S. Then she met Catriona Matthew.Read More
Sep 25, 2011 7:29 AM ET
With Cristie Kerr unable to play because of a wrist injury Sunday morning, the Americans conceded her singles match to Karen Stupples at the Solheim Cup.Read More
Sep 24, 2011 8:42 PM ET
Why not turn the FedEx Cup playoffs into what they say they are: playoffs? It would lift their profile and maybe even bring new people into the game of golf.Read More
Sep 24, 2011 8:07 PM ET
One day after making a dire prediction about his Presidents Cup chances, Steve Stricker sounded much more upbeat.Read More
Sep 24, 2011 6:52 PM ET
The player was in a funk after two fourball losses; the captain told her she was affecting her teammates.Read More
NBC Sports Talk


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Richard Branson is among the investors in a fresh, $30 million round of funding for ZOZI, the tours and activities booking platform.
ZOZI, a startup that hooks merchants up with those seeking travel experiences using proprietary software, has closed on $30 million in Series C funding. Pritzker Vlock Ventures led the round, with participation from Sir Richard Branson, Par Capital Ventures, 500 Startups, Dolby Family Ventures and Bridge Bank also participated. Show More Summary
Red Bull team boss Christian Horner has opposed Sir Richard Branson's view that Formula E will become a rival to and ultimately…
(Reuters) - Virgin Atlantic Airways Ltd [VA.UL], owned by its British billionaire founder Richard Branson, is cutting about 500 jobs as it seeks to reduce costs and improve its financial resilience, the Wall Street Journal reported.Show More Summary
Red Bull team boss Christian Horner says Formula E will not rival F1, despite Sir Richard Branson's claims to the contrary.
Troy Aikman just took a baller vacation straight out of a Jay Z video... chartering a $10 MILLION super yacht destined for Richard Branson's insane private island... TMZ Sports has learned. Sources tell us... Aikman and his GF, Tra...
Space exploration has always been a costly business that's mainly been funded by governments. However, Elon Musk and Richard Branson have stepped into the void, and now Google wants others to join them.
Formula E will be more popular than Formula 1 in five years, according to Virgin Racing chief Sir Richard Branson.
Virgin Group founder Sir Richard Branson says he expects the nascent electric Formula E championship to pass Formula 1 in terms…
Three businesses are set for big things after winning Sir Richard Branson's competition for entrepreneurs
By separating what to say, how to say it, and where to say it, the daunting task of constructing a well-built brand becomes a lot easier.
Richard Branson is pushing his space exploration further toward the goal of launching civilian space journeys. Branson says he'll be the first person aboard the spaceship, after test pilots deem the spacecraft is ready. In the meantime, Branson and to
Richard Branson's Virgin Galactic got a huge boost Thursday, when OneWeb, which plans to build a global Internet system, announced it was hiring the commercial space company for 39 launches to fly its satellites into space. The order is a significant step forward for Virgin after a test flight crashed last year, killing one of the […]
Virgin Group founder strikes again.
Trips will begin in 2020
Yuppie: Today was such an incredible day, I met Richard Branson, and…Hipster: Who?Yuppie: Oh, Fabian, that's why I love you so much.–Broadway & 28th
Virgin Cruises will launch its first luxury liner in 2020 from Miami, British tycoon Richard Branson announced, placing his bets on medium-sized "boutique" ships.
Slowly and steadily, Richard Branson appears to be planning total world domination of the travel industry. Virgin Group founder Branson announced on Tuesday that his latest travel venture, Virgin Cruises, will be on the water by 2020. See...Show More Summary
By Zachary Faqenson MIAMI (Reuters) - Richard Branson's Virgin Cruises will take delivery of three ships capable of carrying nearly 3,000 passengers each starting in early 2020, the British entrepreneur told reporters during a news conference on Tuesday. Show More Summary
British billionaire Richard Branson announced Virgin Cruises will build three ocean ships.


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1994 Buick Park Avenue Q&A
1994 Buick Park Avenue Question: My cruise control will kick off when I try to set it.
I have replaced the servo, the computer, the brake switch and checked all the vacuum lines for leaks. It will work sometimes and then it will kick it off and I have to turn the car off and start it again before it will work again. - Demmit
2 Answers
Answer 1
I was also having a similar or identical issue with my cruse control. Recently I took time to read what it says in the original owners manual (which I found on line) for my GM car (I own a 1994 Pontiac Firebird with a 3.4 V6, same motor, different bore). My car probably has the exact same or close to the same CC unit as your GM car. I discovered by reading my manual that I was actually operating my CC improperly. I should also say that operating it improperly used to work for me but stopped working a couple years ago. The method I was using (which stopped working) was to just turn the CC on by sliding the OFF ON R/A slider switch all the way over to the right. Then releasing it when I reached the desired speed. Mine wont operate that way anymore but... I tried the method laid out in my manual and it works perfectly. Here's how GM says to operate it...1) When you're ready to use the cruise control..move the "OFF ON R/A" slider switch on your turn signal lever to the "On" position. 2) Then, use your gas pedal (not the Off ON R/A slider) to achieve your desired cruising speed. 3) Then push the "SET" BUTTON the the extreme TIP (or END) of your turn signal lever for 1 second and release it. 4) Take your foot off of the gas pedal. That should make the CC work. If this is unclear, read what it says/ look at the diagrams at this link below on pages 72-75. I discovered much more cool and helpful information about my cruise control system by reading the entire section. For example...did you know you can reduce your set cruising speed by 1.5MPH increments, without resetting your cruise control, just by pushing that "SET" button again for 1 second and releasing it....? I always thought the only way to set a CC to a SLOWER speed was to turn it off and reset it altogether. I hope this helps. I have bad feet and know how important is can be to have a working cruise control. I use mine at every possible opportunity. http://shbox.com/pdf/1994firebird.pdf If it still doesn't work I'd look for vacuum leaks in the PCV system. Make sure the PCV Valve's fin is pushed all the way so it's snapped into the grove in the PCV Valve Grommet. There's also the option of getting your codes read/engine scanned but I know it's not all that easy for 1994 GM cars because it was a transition year for GM on board diagnostics systems. - firebirdbob
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Just a gooberdork trying to make friends! If you would like to make a booking email me at email@example.com http://jessicanigri.storenvy.com/ http://jessicanigri.tumblr.com/
Hey guys! I'm SUZUME also known as Jay Yuchengco from Philippines, an amateur cosplayer who loves watching anime, playing games and cosplaying characters I like. Feel free to browse my pictures and thank you for rating it, I hope you like it. Also please don't hesitate to add me here - Facebook: https://www.facebook.com/jay.maguro - Google+: https://plus.google.com/+JayYuchengco - Email: firstname.lastname@example.com
https://www.facebook.com/profile.php?id=100000103795668&ref=tn_tnmn ~ Cosplay. ~ Japan. ~ One Piece. ~ Manga. ♥ ♥
Hi! My name is Elena, and I live in Italy. I love doing Cosplay! If you want you can see my Facebook Page here: https://www.facebook.com/ElaineCosplay Hope you like my pictures! Thank you so much! (^W^) <3
안녕하세요!!! 월드코스프레 회원 여러분! 25세 중부권 코스어 네타라고 합니다!!!~ 주로덕질하는장르는 트리니티 블러드 사이퍼즈 디지몬시리즈 3대본진위주로. 그외 코드기어스 클램프시리즈작품 아이온 원 피스 나루토등 많이 파고있어요~ 팔로우 환영합니다!+_+ 잘부탁드려요~ blog-http://blog.naver.com/wjddlswo91 Twitter-https://twitter.com/wjddlswo91 Hello, Republic of Korea 25 years Cosplayers are called Netanyahu Well I'm begging you World Cosplay Member Follow Welcome Thank you こんにちは韓国コスプレイヤーネタといいますの欠如がこれからよろしくお願いいたします〜
Hi! I'm Carola and I'm italian cosplayer, nice to meet you о(ж>▽<)y ☆ I really love videogames, unicorns, pink, pizza, chocolate, London and more ლ(ಠ益ಠლ I hope that you like my cosplay ;3
Hi everyone ^^ my name is Lorenzo, I love the japan culture if you want follow me : Facebook : https://www.facebook.com/lorenzo.tessieri Facebook page : https://www.facebook.com/zerolacrima?fref=ts DevianART : http://sacrotex.deviantart.com/ Cosplaysea : http://cosplaysea.com/?s=lacrima Thank you :D
Hi,i'm Roberto,italian cosplayer from Alessandria,but now i live in Siena. I love Spokon and Shonen Manga and anime and i like to cosplay it. I love every sport but i practice Brasilian Jiu Jitsu,crossfit and MMA. Nice to meet you! Facebook contact : https://www.facebook.com/roberto.bolognesi.50 Facebook page : https://www.facebook.com/pages/I-MANGA-NEL-CASSETTO-CHE-SCOPPIA-vendo-compro-scambio-manga-e-non-solo/271243589661852?ref=hl Instagram : https://instagram.com/bolorobi/
Hi there i'am TripleK a cosplayer from italy. my nick name come from 3 of my most important cosplays let's become friends :) if you wanna check out more please follow me on faebook anc youtube : Facebook: https://www.facebook.com/pages/TripleK-cosplay/1478305665738280 Youtube: https://www.youtube.com/channel/UCqY6GNCQQHFbUuBl28Ga1bg
Italian cosplayer. 23 yo. I've been on business since 2006, more or less. I hope you'll enjoy~ 。◕‿‿◕。 Ask: http://ask.fm/Hagane91 Fb page: http://www.facebook.com/ZakuroCosplay DA: http://haganeno91.deviantart.com/
Hi! ◠ω◠ ♥ I'm Paola from Italy, I cosplay as a hobby since 2012. I hope you'll appreciate my costumes. ♥
World Cosplayers Italy Hi, my name is Martina, I'm 19 years old and live in Italy, I love to draw and when I have time in my impersonate characters from manga / anime favorites. And for 3 years and a practical Cosplayer. Thanks to all who visit my profile and my photos. ^^ Airi ^^ <3
Hello and welcome to my WorldCosplay page! Thank you for visiting (=^___^=)/I'm doing cosplays since 2009, all of my costumes and props I do myself, for the cosplay I studied acrobatics, painting, martial arts. I really like the studio clamp and want to do a lot of cosplays of their characters, I hope you will enjoy cosplay with me! If you`d like to chat, send me a note!😘 ★ https://instagram.com/orange_kona/ ★ https://m.ask.fm/Orangekona ★http://vk.com/orangekona
Hi guys *^* My name is Jasmine and I'm an Italian cosplayer (fuck yeah (?) ) I seriously started to do cosplay few months ago because my passion for manga, anime and games was grown. I hope to become a nice cosplayer in the future. So, for now it's all. Bye :D However, my contact is: Facebook: https://www.facebook.com/WTF.oh.JA MY OLD PROFILE IS THIS: http://worldcosplay.net/member/135137 I WON'T USE IT ANYMORE, SO FOLLOW ME HERE! :D
Hi, I'm Treiki: peruvian cosplayer and prop maker Thanks for visiting !!! :D You can also follow me on : https://www.facebook.com/pages/Treiki-trukiny/696629813713171
Princess Kurenai | 5 September 1988 | Female. Italian. ☆ 【FaceBook】: https://www.facebook.com/michelle.saturm ☆ 【Tumblr】: http://princess-kurenai.tumblr.com/


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Think summer camp is just for kids? Think again! Adults are reliving their nostalgic summer camp days, and some are getting to experience it for the first time. CNN's Rachel Crane reports.
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For some of us, learning another language is on our bucket list. But reporter Natalia Martinez found one young man who's already got several languages under his belt. And he's only in the 6th grade! Mohamed Nashaz has blown his teachers away with his ability not only to learn, but also to help others.
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The amusement park is undergoing a series of updates, totaling $50 million.
The newest ride at Carowinds offers thrill-seekers a 30-story drop, and tops out at 95 mph.
The amusement park is undergoing a series of updates, totaling $50 million.
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Reflections on a bumper weekend of GAA action
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Tomás Mulcahy, Michael Duignan and Liam Sheedy assess Kilkenny's win over Galway.
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Anna Geary reports on Wexford v Limerick in the Liberty Insurance Senior Camogie Championship.
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3 Comments
Realtime comments disabled
NCISRedTeam 870 days ago
Gorgeous! When I was little, I saw a fairy in with a crown of leaves in a tree. It was a Luna Moth. :)
kelly7670 871 days ago
roxypunk 871 days ago
White-lined sphinx moth (Hyles lineata)
Also known as the stripped humming bird moth :-)


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"Where Fillmore County News Comes First"
Online Edition
Sunday, July 5th, 2015
Volume ∞ Issue ∞
- 5:36:12, Jul 1st 2015 - - And on the News they show the female pitcher hits the girl up at bat. Lol668 ... [Read More]
- 2:59:22, Jun 28th 2015 - livin' the dream - 1. Ordered all federal agencies to undertake a study and make reco ... [Read More]
- 9:36:21, Jun 27th 2015 - SV80 - To Jeez: Anybody who denies global warming or any other scientific propositio ... [Read More]
- 5:41:48, Jun 26th 2015 - Remark1976 - Maybe? Do you realize that when a building referendum for a new scho ... [Read More]
- 2:35:48, Jun 26th 2015 - Jeez - "Let's say that you receive a diagnosis from nine different oncologists (cance ... [Read More]
- 2:33:37, Jun 26th 2015 - Jeez - "Let's say that you receive a diagnosis from nine different oncologists (cance ... [Read More]
- 1:26:30, Jun 26th 2015 - Kim Wentworth - @ grehl- all you libs talk and talk about gun control and taking and ... [Read More]
- 12:37:22, Jun 26th 2015 - Kim Wentworth - @ SV80- 1) the whole idea of a set in stone time table is silly, acc ... [Read More]
- 10:30:23, Jun 26th 2015 - SV80 - Kim Wentworth: Let's take your points one by one. (1) "you set your foreig ... [Read More]
- 9:49:35, Jun 26th 2015 - SV80 - Well said, LOLZ ... [Read More]
Storlie - Melbourne Curtis
Fri, Nov 14th, 2003
Posted in Obituaries
Posted in Obituaries
Melbourne Curtis Storlie, 73, of rural Mabel, a lifelong resident of the Spring Grove-Mabel area, died November 10, 2003 at Green Lea Manor Nursing Home In Mabel.
He was born May 27, 1930, in Spring Grove. He attended Spring Grove Public School and two years of agricultural school. From 1952 to 1954, he served in the Army. After his discharge, he began farming with his brother and continued to farm after his death in 1972. On May 11, 1957, he married Kathleen Skifton at Immanuel Lutheran Church in Caledonia. Mr. Storlie was a lifelong member of Trinity Lutheran Church in Spring Grove, served on various church boards and was a member of the Mabel American Legion post. Survivors include his wife; three daughters, Vicky (Tom) Fitzpatrick of Caledonia, Julie (Brian) Johnson of Mabel and Melanie (Jeff) Kath of Preston; seven grandchildren; and two sisters, Beverly (Dave) Thompson of Minisee, Calif., and Janice (Gerald) Tjepkes of Racine. A brother preceded him in death. The funeral for Melbourne Curtis Storlie was November 13, 2003 at Trinity Lutheran Church in Spring Grove, with the Rev. Zane Anderson officiating. Burial was in the church cemetery with military rites by American Legion Post 299 of Mabel. Roble Funeral Home in Spring Grove was in charge of arrangements.


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Join the discussion on the family synod's mid-term report
Or is that a distraction from the real task of preparing for Holy Week and Easter?
Or are there some modern churches that really do inspire devotion and raise people's spirits to God?
Is it primarily the fault of the Church or of the Catholics who have left it?
Should we always encourage people to convert or can there be good reasons not to cross the Tiber?
Or are they a crucial step along the way towards unity?
Will it enhance the liturgical life of the Church, or is it just a lot of extra hassle for priests?
As an ordinariate looks set to be established by next week, the debate about married priests reopens
Or is it a breath of fresh air in the fusty world of Vatican communications?
The former British prime minister argued that religion was a force for good against atheist and journalist Christopher Hitchens in a televised debate in Canada


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Apartmani Maris A2
from £33 /night help Price for guests, Nights
from £33 /night help Price for guests, Nights
Estimated nightly price based on a weekly stay. Excludes fees (if applicable). Enter your dates to see the total cost.
Apartment / 2 bedrooms / sleeps 3
Availability Your dates are available
Apartment / 2 bedrooms / sleeps 3
|Key Info
Apartments Maris are new decorated apartments located on the beach in a small bay Ljoljinica, near Rogoznica.We offer three apartments, A3 (2 persons), A2 for three people (studio app) and A1 (3+2) for five people, each with a sea view. Apartments are equipped with air conditioning, LCD TV, internet connection, satellite TV and many more on request.
Seven days is the minimum stay.
|Sleeps up to 3, 2 bedrooms
|Family friendly
|Great for children of all ages
|No pets allowed, Yes, smoking allowed
Features and Facilities
|Internet access, Sea view
|Air conditioning, TV, Safe, Satellite TV
|Hair dryer
|Cooker, Fridge, Freezer
|2 bedrooms, 1 bathrooms of which 1 Family bathrooms
|Double beds (1), Single beds (1), Dining seats for 3, Lounge seats for 3
|Linen provided, Towels provided
|Balcony or terrace, Private garden, BBQ, Bicycles available
|Secure parking, Not suitable for wheelchair users
The Dalmatia region
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Ceramic tile can be mopped with vinegar and buffed to achieve a just polished shine. Avoid using waxes or polishing compounds that can dull the surface or even remove the factory applied glaze.Know More
Polishing a ceramic floor is a multistep process.
Start by removing loose dirt and debris by vacuuming or sweeping the tile floor.
Brighten up dirty grout between the tiles by scrubbing at it with a small brush and a solution of dish detergent in water. A toothbrush works well for this purpose, making it possible to work in tight areas and corners.
Mop or steam clean the tile to lift away hardened or compressed dirt, debris and wax. If mopping, use a mix of 1 cup apple cider vinegar to 1 gallon of water. Mop the floor as normal and allow to dry. Another option is to use pure lemon juice for mopping. To make the juice go further, place it in a spray bottle and spritz the floor before mopping.
Use an electric floor buffer to polish the ceramic tile to a high sheen. No chemical wax or polish is needed. Gently guide the buffer over the floor, working in small 2-foot sections at a time. It is possible to buff the floor by hand with a clean terry cloth towel. Scrunch the towel up in hand and swipe it on the floor in firm, circular motions.
The average labor cost for ceramic tile installation is four to seven dollars for every square foot. Labor cost can also be charged by the hour, in which case the average cost is about 75 dollars per hour depending on the size of the project.Full Answer >
Clean ceramic tile floors with vinegar by mixing together vinegar and warm water, mopping the floors with the mixture and repeating as needed. A chamois or rag-type mop cleans grout lines more easily than a sponge mop.Full Answer >
Polish glass by washing it with a soap mixture, buffing it with a rag and finishing with a glass-polishing kit. This takes only a few minutes. You will need water, dish soap, a spray bottle, a sponge, a soft cloth and a glass-polishing kit.Full Answer >
To polish brass, mix a paste of baking soda and distilled white vinegar. Rub the mixture onto the brass item with a soft cloth in a circular motion. Rinse the item well with warm water, and polish it to a shine with a clean, dry cloth.Full Answer >


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New: The Holiday Shop
By 12 April 2012
It's never too early to start planning your holiday suitcase, and we've just made things easier by launching an online shop full of summer essentials.
Whether heading for sun, sea and sand or a chic city break, we've got it covered. Browse through a vast selection of swimwear and eveningwear, as well as essential cosmetics and haircare. And make sure you travel in style with our selection of short and long-haul accessories. Don't forget to check out our style tips and holiday beauty guides for fail-proof advice on staying stylish this summer.
View The Holiday Shop >>


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Trucker News
Truckers news continually updated from thousands of sources around the net.
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Photo Galleries
< MyNorthwest
Tuesday in photos
Aug.20: Indians perform rituals near the flooded banks of the Ganges River, Syrian refugees cross into Iraq at the Peshkhabour border, Afghanistan Pakistan soccer football returns.
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Bodo tribal students with painted bodies shout slogans demanding the creation of a new state of Bodoland during a mass rally at Ghoramara in Somitpur district of Assam state, India, Tuesday, Aug. 20, 2013. India's ruling coalition recently endorsed the creation of a new state called Telangana to be carved out of Andhra Pradesh state. The endorsement triggered other regions with the same demand in the country to stand up for their own states as well, including Bodo tribals. (AP Photo/Anupam Nath)
Photo by Anupam Nath
Photo by Anupam Nath
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John Kerry visits Seattle
U.S. Secretary of State John Kerry greets employees at the Seattle Passport Agency on May 18. The location is one of 29 domestic passport agencies that the State Department runs. Kerry returned to the United States following a three-day trip to China and South Korea.


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Apple EarPods with Remote and Mic
"Hi people. I have owned a pair of these earphones for over a year now, and this is what I think about them. I am a beginner reviewer so please, have some understanding. Also, English is not my native language, I am from Croatia. Build quality: I bought my Apple earbuds exactly one year ago, and they feel/look/sound just the same as on the day that I bought them, even though I..." --donniefalcone
Apple In-Ear Headphones (White)
" I don't know whether it's a conspiracy or a joke, but Apple's talk of these being good quality just makes them seem like hilarious liars who could sell ice to eskimos. If their intent is to drive aftermarket sales, then they've managed it. As far as I can tell these things literally don't play bass. It's just not there. The midrange is ok, and if you're tired, they're ok for watching movies..." --BBBS
Apple iPod Earphones Headphones for iPod Nano, Touch & Classic
"I'm not sure if this is the same model I got with my iPhone 4s or not. There have been tons of different models of these buds released for different i-devices. The ones that I received with my 4s are (In my opinion ) absolutely worth at least 30-45 $ in my opinion. No they don't sound like my SENN HD 600 by any means at all, but for an earbud they are exceptional. The..." --GoldenGuy66
Monoprice 8320 IEM
"I got some of these based on their crazy-good reputation. Even for the $6 I paid I feel ripped off. Worst pair I can remember. What in the world is everyone talking about? These are so gaudy looking, and feel cheaply put together. I could overlook those things if they sounded like everyone says. But they don't. I can't remember disliking the sound quality of an IEM this much. These are just..." --SethDove
Monoprice 109927 Enhanced Bass Hi-Fi Noise Isolating Earphones, Black
" Ok, I caved and bought 2 pair of these when I needed a mini to regular HDMI cable for a new laptop. They are impressive. I like the black color better than the silver too. One thing I quickly figured out is if you reverse them (R<-->L), the cable exits out the top, and you can then loop it over your ears. It seems to fit better this way. By flipping them..." --Neeky
Apple In-Ear Headphones with Remote and Mic
" Prelude Apple's stock earbuds that have been shipped with every iPod since its inception are quite possibly the most prolific and widely distributed tech accessory of all time. It's hard to go anywhere without seeing a pair of these things dangling from someone's ears. Casual listeners are bound to be satisfied by the decent performance of the earbuds but what about audiophiles? It's..." --TheGame21x
Apple Earbuds (White with Gray Earbuds)
The iPod In-Ear Headphones have great sound quality and bass response, and come with three different sized caps to ensure the headphones fit comfortably and securely in your ear.
Ipod Earbuds Headphones for Nano
" 6.50 on ebay brand new 9.50 for the pair with a remote for that price. you gotta love it lol " --jockhater2
Apple In-Ear - Headphones (ear-bud)
Great sound quality and bass response / Includes three different sized caps to ensure the earphones fit comfortably and securely / For all iPods
Apple M9128G/A iPod Remote Earphones iPod Remote And Earphones
Listening to your iPod on the go is even more convenient with this wired remote and high-quality earphones set. Compatible with all iPod models except iPod with video, iPod nano and iPod shuffle.


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Economic Insights Economics October 6 2009 Confident RBA begins to hike rates Reserve Bank Board meeting The Reserve Bank (RBA) has begun to remove 'emergency' rate settings, increasing the cash rate for the first time in 19 months (since March 2008). The cash rate has been lifted from a 49-year low of 3.00 per cent to 3.25 per cent. A confident RBA has flagged further rate hikes saying that "is now prudent to begin gradually lessening the stimulus provided by monetary policy." What does it all mean? • It had to happen sooner or later, but a clearly confident Reserve Bank believes that now is the time to be removing 'emergency' rate settings. The emergency is over, and now a more appropriate level of interest rates needs to be put in place. How much pain will a 25 basis point hike cause for borrowers? Actually, not a lot. The Commonwealth Bank estimate that more than 90 per cent of its home loan customers are ahead in their loan repayments. That is, when interest rates were cut, most customers elected to maintain existing repayments. The main burden of the rate hike will hit those that have purchased or built homes relatively recently. And the higher loan repayments will certainly be factored in by budding home buyers in coming months. It's also important to note that many businesses have already been paying higher interest rates for some time – the Reserve Bank move is merely validating pricing on financing markets. Since August 90-day bank bill rates have averaged 3.34 per cent, more than 30 basis points higher than the prevailing cash rate. But while higher interest rates represent bad news for some, it means good news for savers. For those relying on earnings from bank deposits and dividends, the past year has been a year to forget. But now interest rates are on the rise back to more 'normal' levels. And investors should also expect companies to restore or lift dividends over the coming year. The $64 million question is how quickly rates rise from here. At the start of the last rate hike cycle in 2002, the Reserve Bank made two quick fire rate hikes before retiring to the sidelines. But at that time the low point for rates was 4.25 per cent – much closer to the "normal" or neutral zone around 5 per cent. In the past the Reserve Bank has lifted rates a few times before resting to gauge the impact. Another rate hike on Melbourne Cup day is a safe bet. And over the next year cash rates will likely lift to around 4.50 per cent. • • • • Interest rate decision and past cycles • The Reserve Bank has increased interest rates for the first time in 19 months (since March 2008). The cash rate was lifted from a 49-year low of 3.00 per cent to 3.25 per cent. The cash rate had stood at the lowest levels since February 1960 when the short term money market yield averaged 2.94 per cent. The first rate hike in the new cycle has occurred six months after rates were last reduced back in April 2009. There • Craig James – Chief Economist (Author) (612) 9312 0265 (work) Produced by Commonwealth Research based on information available at the time of publishing. We believe that the information in this report is correct and any opinions, conclusions or recommendations are reasonably held or made as at the time of its compilation, but no warranty is made as to accuracy, reliability or completeness. To the extent permitted by law, neither Commonwealth Bank of Australia ABN 48 123 123 124 nor any of its subsidiaries accept liability to any person for loss or damage arising from the use of this report. The report has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on the information in this report, consider the appropriateness of the information, having regard to the individual's objectives, financial situation and needs and, if necessary, seek appropriate professional advice. In the case of certain securities Commonwealth Bank of Australia is or may be the only market maker. This report is approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 a wholly owned but not guaranteed subsidiary of Commonwealth Bank of Australia. This report is approved and distributed in the UK by Commonwealth Bank of Australia incorporated in Australia with limited liability. Registered in England No. BR250 and regulated in the UK by the Financial Services Authority (FSA). This report does not purport to be a complete statement or summary. For the purpose of the FSA rules, this report and related services are not intended for private customers and are not available to them. Commonwealth Bank of Australia and its subsidiaries have effected or may effect transactions for their own account in any investments or related investments referred to in this report. Economic Insights Confident RBA begins to hike rates were six rate cuts in the last cycle with the cash rate cut from 7.25 per cent to 3.00 per cent. • • • Interestingly, in the last interest rate cycle there was a gap of five months from the last rate cut to the first rate hike. Rates were cut to 4.25 per cent in December 2001 and lifted to 4.50 per cent in May 2002. If banks pass on the interest rate increase in full then repayments on a 25-year $300,000 home loan will increase by $45.69 a month. Even with the rate hike, monetary policy is still clearly expansionary. The Reserve Bank has previously indicated that the "normal" or neutral cash rate is around 5.25 per cent. A neutral cash rate means that monetary policy is neither expansionary nor contractionary. The Reserve Bank has now adopted a "tightening" bias. That is, the RBA has indicated that further rate hikes are likely in coming months: "the Board's view is that it "is now prudent to begin gradually lessening the stimulus provided by monetary policy." The Reserve Bank has substantially upgraded its view on the Australian economy. It now expects economic growth to be close to trend while inflation is "close to target". The Reserve Bank does appear to have worried that if it didn't start lifting rates now that it would fall behind the curve. • • MORTGAGE CALCULATOR (Monthly repayments, 25 years) Mortgage 5.80 $632.13 $948.20 $1,264.26 $1,580.33 $1,896.39 $2,212.46 $2,528.53 $2,844.59 $3,160.66 +0.25% 6.05 $647.36 $971.04 $1,294.72 $1,618.40 $1,942.08 $2,265.76 $2,589.45 $2,913.13 $3,236.81 Change in Interest Rates +0.50% 6.30 $662.76 $994.15 $1,325.53 $1,656.91 $1,988.29 $2,319.67 $2,651.05 $2,982.44 $3,313.82 +0.75% 6.55 $678.33 $1,017.50 $1,356.67 $1,695.84 $2,035.00 $2,374.17 $2,713.34 $3,052.51 $3,391.67 +1.00% 6.80 $694.07 $1,041.11 $1,388.14 $1,735.18 $2,082.22 $2,429.25 $2,776.29 $3,123.32 $3,470.36 +1.25% 7.05 $709.97 $1,064.96 $1,419.94 $1,774.93 $2,129.92 $2,484.90 $2,839.89 $3,194.87 $3,549.86 +1.50% 7.30 $726.03 $1,089.05 $1,452.06 $1,815.08 $2,178.09 $2,541.11 $2,904.13 $3,267.14 $3,630.16 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 Source: CommSec October 6 2009 $15.23 $22.84 $30.46 $38.07 $45.69 $53.30 $60.92 $68.53 $76.15 Change in repayments per month $30.63 $46.20 $61.94 $45.95 $69.31 $92.91 $61.26 $92.41 $123.88 $76.58 $115.51 $154.85 $91.90 $138.61 $185.82 $107.21 $161.71 $216.79 $122.53 $184.81 $247.76 $137.84 $207.92 $278.73 $153.16 $231.02 $309.70 $77.84 $116.76 $155.68 $194.60 $233.52 $272.44 $311.36 $350.28 $389.20 $93.90 $140.85 $187.80 $234.75 $281.70 $328.65 $375.60 $422.55 $469.50 2 Economic Insights Confident RBA begins to hike rates Comparing the two most recent statements • The statement from the September meeting is on the left; the statement from today's October 2009 meeting is on the right. Emphasis has been added to significant changes in wording in the recent statement. MEDIA RELEASE No: 2009-19 Date: 1 September 2009 Embargo: For Immediate Release MEDIA RELEASE No: 2009-23 Date: 6 October 2009 Embargo: For Immediate Release STATEMENT BY GLENN STEVENS, GOVERNOR MONETARY POLICY At its meeting today, the Board decided to leave the cash rate unchanged at 3.0 per cent. With considerable economic policy stimulus in train around the world, the global economy is resuming growth. Growth in China has been very strong, which is having a significant impact on other economies in the region and on commodity markets. The major economies appear to be approaching a turning point. Most observers still expect only modest growth in the world economy in 2010, due to the continuing legacy of the financial crisis, though forecasts have been revised up recently. Sentiment in global financial markets has continued to improve. But the effects of economic weakness on the balance sheets of financial institutions will still be coming through for a while. This constitutes one of the main remaining risks to the global expansion. For the recovery to be durable, continued progress in restoring balance sheets is essential. Economic conditions in Australia have been stronger than expected, with consumer spending, exports and business investment notable for their resilience. Measures of confidence have recovered. Some spending has probably been brought forward by the various policy initiatives; in those areas demand may soften in the near term. Some types of capital spending are also likely to be held back for a while by financing constraints. But overall, it now appears that investment may not be as weak over the year ahead as earlier expected. Higher dwelling activity and public demand will also start to provide more support to spending soon and, hence, growth is likely to firm going into 2010. Unemployment has not, to this point, risen as far as had been expected. Weaker demand for labour, evident in a decline in hours worked, nonetheless has seen a moderation in labour costs. Helped by this and the earlier fall in energy and commodity prices, inflation has been declining, though measures of underlying inflation remained higher than the target on the latest reading. Underlying inflation should continue to moderate in the near term, but the likelihood of inflation being persistently below the target now looks low. Credit growth overall remains quite modest. Housing credit has been solid and dwelling prices have risen over recent months. Business borrowing, on the other hand, has been declining, as companies have sought to reduce leverage in an environment of tighter lending standards. Large firms have had good access to equity capital and access to debt markets appears to be improving, helped by the better-than-expected economic conditions and increased willingness on the part of investors to accept risk. The Board's judgement is that the present accommodative setting of monetary policy remains appropriate for the time being. The Board will continue to adjust monetary policy so as to foster sustainable growth in economic activity and inflation consistent with the target. STATEMENT BY GLENN STEVENS, GOVERNOR MONETARY POLICY At its meeting today, the Board decided to raise the cash rate by 25 basis points to 3.25 per cent, effective 7 October 2009. The global economy is resuming growth. With economic policy settings likely to remain expansionary for some time, the recovery will likely continue during 2010 and forecasts are being revised higher. The expansion is generally expected to be modest in the major countries, due to the continuing legacy of the financial crisis. Prospects for Australia's Asian trading partners appear to be noticeably better. Growth in China has been very strong, which is having a significant impact on other economies in the region and on commodity markets. For Australia's trading partner group, growth in 2010 is likely to be close to trend. Sentiment in global financial markets has continued to improve. Nonetheless, the state of balance sheets in some major countries remains a potential constraint on their expansion. Economic conditions in Australia have been stronger than expected and measures of confidence have recovered. Some spending has probably been brought forward by the various policy initiatives. As those effects diminish, these areas of demand may soften somewhat. Some types of capital spending are likely to be held back for a while by financing constraints, but it now appears that private investment will not be as weak as earlier expected. Medium-term prospects for investment appear, moreover, to be strengthening. Higher dwelling activity and public infrastructure spending is also starting to provide more support to spending. Overall, growth through 2010 looks likely to be close to trend. Unemployment has not risen as far as had been expected. The weaker demand for labour over the past year or so nonetheless has seen a moderation in labour costs. Helped by this and the earlier fall in energy and commodity prices, inflation has been declining, though measures of underlying inflation remained higher than the target on the latest reading. Underlying inflation should continue to moderate in the near term, but now will probably not fall as far as earlier thought. Housing credit growth has been solid and dwelling prices have risen appreciably over the past six months. Business borrowing has been declining, as companies have sought to reduce leverage in an environment of tighter lending standards. But large firms have had good access to equity capital and access to debt markets appears to be improving, helped by the better-thanexpected economic conditions and increased willingness on the part of investors to accept risk. Share markets have recovered significant ground. Interest rates facing prospective borrowers on fixed-rate loans have already risen to some extent, as markets have anticipated a higher level of the cash rate. For many business borrowers, increases in risk margins will still be occurring for some time yet. In addition, the exchange rate has appreciated considerably over the past year, which will dampen pressure on prices and constrain growth in the tradeables sector. These factors have been carefully considered by the Board. In late 2008 and early 2009, the cash rate was lowered quickly, to a very low level, in expectation of very weak economic conditions and a recognition that considerable downside risks existed. That basis for such a low interest rate setting has now passed, however. With growth likely to be close to trend over the year ahead, inflation close to target and the risk of serious economic contraction in Australia now having passed, the Board's view is that it is now prudent to begin gradually lessening the stimulus provided by monetary policy. This will work to increase the sustainability of growth in economic activity and keep inflation consistent with the target over the years ahead. October 6 2009 3 Economic Insights Confident RBA begins to hike rates What are the implications for interest rates and investors? • Last month we noted that "the days of super-low interest rates are numbered." While we thought the earliest the Reserve Bank would lift rates was December, the mood on global financial markets as well as domestic economic data, have been far better than expected. Overall, we would have preferred the Reserve Bank to have waited another month or so before lifting rates, but it certainly has had a good track record with rate changes. For investors, rate hikes are something to be embraced, not feared. The Reserve Bank is lifting interest rates because it believes the economy is strengthening. And a stronger economy means higher corporate earnings and therefore a firmer sharemarket. In addition, rate hikes translate to higher interest income for those with cashbased investments. The housing market shouldn't be adversely affected by the small rate hike because it is the level of interest rates that matters, not the change in rates. Cash rates are still historically super-low, translating to affordable repayments. But budding home buyers need to do their sums. Rates will continue to rise over the next 12-18 months, probably between 1.5-2 percentage points. This rate hike is taken from a position of strength. Australia is clearly the strongest of all major developed economies and it is appropriate that it is the first advanced country to lift rates. The only other country to have lifted rates is Israel. It is also important to note that it is not just the strength of the Australian economy, but the strength of our major trading partners in Asia – in particular China. China and Australia are inextricably linked. And as China continues to expand and prosper, so will the fortunes of Australia's resource producers, engineers and construction companies. The Reserve Bank will need to closely monitor the effects of a rising Aussie dollar. Exports have recorded their biggest decline in 38 years and the tourism sector is still buffeted by the strong Aussie. • • • • • Craig James, Chief Economist, CommSec Work: (612) 9312 0265 October 6 2009 4
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