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Debunking The Great Myth Of US Consumer Deleveraging, Or Why The US Economy Will End Not With A Whimper But A Bang
By now everyone 'knows' that the US consumer is hunkering down, paying down debt and performing other mythological tasks. Alas, as the WSJ points out today, this is not exactly true... In fact not true one bit. The reality is that over the past two years, US consumers have not been deleveraging as a voluntary act of eliminating debt, but have been actually aggressively leveraging more and more until the bank providing them credit puts them into involuntary bankruptcy, cutting off the money spigot. This is a startling realization, confirming that the average American is actually hyperleveraging to the point where all available credit is forcefully eliminated by a lender institution!
Here are the facts: as the Flow of Funds report demonstrates, total household credit, consisting of Home Mortgages and Consumer Credit, has indeed declined by $610 billion from $13.2 trillion to $12.6 trillion since the credit bubble peak in June 2008. Yet, as Mark Whitehose points out, there are two ways in which this "deleveraging" can occur. Voluntarily, in the form of actual financial discipline, whereby the end consumer makes a conscious effort to pay down their debt, and Involuntarily, which is really not deleveraging, but aggressive leveraging to the hilt, up until the point where banks eliminate all credit access to the end consumer.
Luckily there is a way to quantify which road has been more travelled by. As the WSJ points out, in the period in which consumer credit has declined by $610 billion, banks and other institutions have charged off $588 billion in mortgage and consumer loans. (Our attempts at recreating these numbers using Fed H.8 and charge off data were slightly off, in fact demonstrating that based on charge off data as calculated, forced deleveraging will only accelerate as it catches up to bank charge off runrates). Nonetheless, a good way to visualize this phenomenon can be seen in the chart below:
Putting numbers to the data confirms that of the over $600 billion in deleveraging, only $20 billion or so of it was voluntary, with the balance occurring due to continuously irresponsible borrowing practices, in which US consumers spend, spend, spend themselves into oblivion only to be cut off cold turkey, instead of entering a slow deleveraging rehabilitation which would allow them to shift into the transition to a new creditless normal far easier.
The last observation is key as it has rather startling implications to David Rosenberg's theme of the New Frugal Normal. It would appear consumers do not, in fact, moderate their spending while still in possession of credit (regardless of its cost) - quite the contrary: they accelerate spending until the charge off threshold at the lender is breached, and all credit is cut off, also resulting in a collapse in a creditor's FICO score, cutting him or her off completely from future (at least near term) credit access. Thus what is occurring at the end of a typical consumer credit lifespan, is not a whimper but a massive bang. What happens after may require Stephen Hawking's explanation rather than David Rosenberg. The conclusion is that consumers do not pass a moderate "go" on their way to insolvency, they go from hyperleverage straight into bankruptcy.
What this means for consumption as observed on the supply-side, i.e., sales at stores like Nordtstroms and Barneys, is that instead of trendlines being indicative of what is truly happening behind the scenes, we have now entered a phase where sales will spike only to drop off in a quantized, step-wise fashion, rather than a linear drop off. This would make all the sense in the world, when one considers that side by side with the observed "deleveraging" of consumers, sales at aspirational store concepts are in fact surging, as the broke middle class performs one last "swan song" rampage of purchasing every Gucci and Chanel bag available, before saying goodbye to credit for a long, long time.
And with unemployment still at record highs, and soon to take another leg higher, paychecks continuing to decline, excess capacity at record highs, 99 week EUC and Extended Claims reaching their ceiling 2 year anniversary from the Lehman collapse, and the general economy double dipping, the implications of this will be dire, as there will be no gradual decline. Instead, to borrow another cosmological term, instead of the US economy decelerating at a rate proportional to the removal of credit from the system, it will grow and grow until it hits supergiant status, only to collapse into a neutron star (or worse) singularity, in which only the Fed will be left beyond the event horizon, only to suffer a similar fate in its last ditch failed attempt to stimulate hyperinflation and rescue the US consumer and banking classes from the infinite gravitational pull of a failed Keynesian experiment.
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Load up and check out. Take the towels and the little shampoos as well.
I'm maintaining my 800+ credit rating so that when the ramparts start to fail I can borrow to the hilt (they will be seeking me out) and check out with a few precious metals purchases to supplement my income in my old age. I'll have created my own little Poinzi scheme to remove my brick in the wall from the bigger Ponzi.
So the American peoples are following their debauched leaders in squandering their debauched currency and more...? Sounds like a plan.
You goddam right. They showed us how the game is played by giving us hands-on training as well as a plethora of tools. This is gonna be fun.
See this link posted at another article:
Make special note of chart #3.
"They showed us how the game is played by giving us hands on training as well as a plethora of tools"
Damn skippy they did..Everybody is not alseep, I can guarantee you that..Patience is the virtue and there will come a time to take advatage of the situation at hand...
Be prepared, it wasnt raining when Noah built the Ark..In fact, it hadnt rained for years...
s i m p l i c i t y
p a t i e n c e
c o m p a s s i o n
Actually they are instructions on how to be a decent human being. Probably why they are not recognized...
t a o te c h i n g
-- kath
I've got my towel, do you.
Skippy...BOING, BOING, BOING!!!.
Yeah! And thanks for all the fish.
lol silly prof's and it needs back up
power of the, t o w e l .
i have great respect for my towels. very feng shui.
Happy days Rocky. I am keen on Marc Faber`s analogy of how we each need to be our own central bank. Reserves in PMs, hard assets, fx to protect your fiat requirements and by the looks of it, the masses welch on certain liabilities...
Peter Schiff also takes note:
walstreetpro2 was way ahead of you guys with the buying silver with credit cards that will never get paid back. Enjoy this blast from the past (June 09):
Thanks for posting that link. Very interesting commentary and data.
Didn't anybody take cash advances on their cards to short bank stocks in 2008? What a terrific account payable call. "Sir, you are 90 days late on your credit card payment. " "Yeah, hey sorry about that and I also would like to thank you for the 6 figure line of credit that I'm currently making a bloody fortune off of shorting your stock. If you could wait about 15 days , I'll pay you when the calendar year passes. ok?" "You are using our cards to short our stock...I ah....click...bzzzz.
...just a friendly reminder that you allocate a bit toward the purchase of ammo and a few of the tools that it is used in...good time to be brushing up on your skills at the local range....Front Line and Thunder Ranch offer some useful educational courses, especially if your liberal arts degree did not include marksmanship...it was lacking at Harvard.
Bet my FICO (820) is bigger than yours. I plan to do the same thing if the Fed will let me. Due to the current admin's bailout policies the responsible are being fucked into paying for the irresponsible; but that cannot last long. Yes, I think they will come to us.
FICO envy?
Well, as my second wife once said, "It's not the size of the wand, it's the skill of the magician". My skills at maneuvering thru the credit world and finessing the system are pretty good after all these years. Betcha I can amass a larger fake fortune!
I agree with what I read here today. The next bubble, the great inflation, QE2...whatever you want to call it...any access to credit in the future will not spur growth, it will precipitate a desperate on credit, a last grab mentality. Of the many fatal mistakes being made today by our political and economic leaders, perhaps the greatest is the belief that they can reverse the current bust mentality that is moving the herd toward desperate and dramatic measures. AND, with the middle class increasingly caught between the metaphorical rock and hard places of massive COST inflation while access to money and credit contracts (Deflation), ANY and all crexit that somehow trickles down to the middle class will be gobbled up and used NOT to reconstitute the consumer economy, but to prepare for the tidal wave of systemic dislocation that people now unconsciously feel is inevitable.
Desperate RUN on credit
Lest we forget or ignore our sordid and sorry past, ALL credit expansions ends in busts. All of them. And the current credit bubble, the one that has been building since Tricky Dick defaulted on our gold obligations in 1971, is by far the largest and most systemically malignant expansion in the history of humanity.
What we will expeience in the years to come vis credit will be pretty frightening, as ANY access to new credit that makes it's way down to the tens of millions of middle class citizens will be treated like truck loads of food are treated by starving Ethiopians.
Brilliant Rocky. I have a question however, did you get your idea from the Federal Reserve charter?
Nah. I'm just naturally sneaky. I've paid attention to the machinations of the credit ramped economy and savored the possibilities. You could say coon curiosity.
something like that here too. critical path part of survival based exit strategy. bang them fico scores higher then use them to finance carefully camoflagued escape routes............
I've been doing this as well; it's a game of chicken right now, and I think we'll bring them to their knees before they get to fleece any of us again.
I understand the temptation but I wouldn't do it.
A person I believe had an inside track with God and who predicted the destruction of the World Trade Center, the economic problems we are having now, along with future hyperinflation also predicted that the coming times would be extra difficult for people who were in debt.
seems I am playing this game as well, RR. Seems you have generated a bit of response, I wonder sometimes how many have figured out the "game" and are running with it...and that's all it is, in reality, a "game". I could blow it all, now, and be okay with the results. I have a happy, frugal, life. A few additional luxuries, though old and not valued, I have. They are good enough...my wife, children (non-public-schooled-training-for-Matrix-insertion, they are learning flexibilty in thought, critical thinking, useful skills for the next paradigm) are my base, growing good food, building new things, saving $$$ by DIY and thift stores (and no taxes).
If you are ever visiting the intermountain NorthWest, let me know, gotta homebrew waiting and we can stratergize (apologises to Bush the 2nd)....:)
Fabulously on-target re the American mentality
One last rodeo, one last grab at the brass ring, one last day of luxury ... because they know it will never be there again.
The way Americans were coached by advertising all these years, this behaviour is no less another creation of New York's Wall Street and Madison Avenue.
It's a society without any morals or culture. No one cares about tomorrow or the next generation. It's all about me, Me, ME!
Great point. With this culture, no wonder the US is going down the tubes!
I can't speak for anyone else, but I have a kid. I care about the next generation. On the other hand, once it becomes clear that the system is rigged and everyone else is cheating, there is no incentive to play by the rules.
But the fault for this sad state of affairs lies with those who rigged the system, not with "regular" people who got fleeced.
Note that I am not suggesting that people should cheat each other. I am only commenting on the relationship of individuals to large banking organizations.
Just my $0.40. (2 cents, adjusted for inflation).
you're both right and wrong. it is a society without morals or culture. but, the rot is clearly a head down phenomena.
i'm more than willing to play the game the way it's supposed to be played, but when the insatiable trash at the top of the food chain reneges on the social contract and changes the rules to suit themselves, i have no choice but to pay attention and act accordingly.
as for me...me...me, that's their game plan not mine. money, living large, expensive toys, binging on wretched excess....none of that has never meant anything to me.
finally, those in power who were truly in a position to provide for the future well being of coming generations abdicated all responsibilty for the general welfare when they decided that their individual private interests trumped those of the public at large.
by doing so they set in motion the forces of destruction that now threaten us all............
gives a whole new meaning to ' shop til you drop '. the drop means ' to another scocial status '. among the destitute.
"shop til you drop"....excellent!!!! ...buy til your bankrupt....spend til your sunk...
...if I were the Chinese I would be very worried about what this might foretell for their factories producing all of our future land fill....
Event horizon, bitchez !
Great post, I somehow found it hard to believe that rational behaviour had been widely adopted...
Rational behavior? To act rationally people need to know the story. Just keep telling the story, people will hear and respond. We need to go through a reset financially, it's going to be a bitch. We'll have to figure out how to respond, be prepared as much as possible. We're going to learn to be neighbors now.
The captcha must be for stoned people tonight.
Starting to save rather than max out credit would be rational. Hence me not being surprised that this has NOT happened. Get it ? Can assure you I'm not stoned.
It does seem like the PTB would rather close the gate to the rational path of caution and have us continue spending. Their "success" may not so much be a reaffirmation of the great American way, so much as the signal of an animal no longer caring because there's nothing left to lose.
And as far as being stoned, everyone knows since that first jr, high joint that regaining the high is a mugs game.
Tyler, I'm missing the part of your analysis that documents the hyperleveraging by the "irresponsible."
I don't see how to accurately reach that conclusion from the coarse aggregate data here--I know that many (I believe most) of the charge-off's are people whose lines of credit were cut off long ago. It takes time for creditors to finally charge bad debt off, especially with, as we all know, the lengths the banks have gone to over this period to keep bad debts falsely valued on their books to maintain the illusion of solvency.
My guess is that there have been additional confounding increases in credit/debt taken out by the credit-worthy as well as concurrent deleveraging by significant numbers of the same group.
I just don't see how you can authoritatively reach the conclusion that you did based on the data presented.
Not that Deadbeats Prosper! doesn't make for a wonderfully provocative headline.
Great point. What we failed to mention is that long before the credit contraction inflection point was reached, the charge offs were long-averaging about $50 billion per quarter. You are absolutely correct that the actual charge off number is a leading indicator to the credit collapse. Also, the fact that it just hit a fresh record in Q2 2010 is likely not good then. Furhtermore, as I am confident you will agree, all that matters is the marginal move, and as such a ratio of $590 billion to $20 billion of forced versus unforced credit contraction tells you all you need to know. (And yes, that $20 billion may consist of $1 quadrillion in new credit issuance... the problem is that it is offset by a $1,000,020,000,000,000 contraction on the other side). Lastly, please point out where in the post are deadbeats singled out? For all we know Lloyd Blankfein has maxed out his 10 Centurions to buy gold and have it shipped to Bora Bora.
"We may see a blip up in foreclosures and delinquencies."
- Leslie Appleton-Young, Chief Economist, California Association of Realtors
"Financial storm definitely passed."
- Bernard Baruch, cablegram to Winston Churchill, November 15, 1929
"[1930 will be] a splendid employment year."
- U.S. Dept. of Labor, New Year's Forecast, December 1929
"The continuing shortages of housing inventory are driving the price gains. There is no evidence of bubbles popping."
- David Lereah, NAR's chief economist, August 2005
Well, of course I would agree with these comments. It's the thesis of the post, e.g.: This would make all the sense in the world, when one considers that side by side with the observed "deleveraging" of consumers, sales at aspirational store concepts are in fact surging, as the broke middle class performs one last "swan song" rampage of purchasing every Gucci and Chanel bag available, before saying goodbye to credit for a long, long time . . . that I was questioning.
Perhaps I was taking your representation of the aggregate as "The Broke Middle Class Consumer" too literally. Yet, the quote above does seem to beg for it.
It would be nice to know what's going on in more specific detail, though, yes?
"One of the reasons we think this market will start to run out of gas at some point is that you've essentially created as much gold from straw as you can from this financial alchemy,"
- Scott Simon, mortgage chief at California bond house Pimco.
Specific detail would come in the form of channel checks for rising ticket purchases at Barney's, Nordstroms, and Saks cross referenced by FICO score of the buyer. This information is strictly private. Yet it will go public once marginal credit is tapped out and same store sales tumble. Check in in 4-6 months.
Eventually the spectators will see the game.
No need to wait 4-6 months for confirmation. You can already see it in healthcare, where higher deductibles and co-insurance amounts have already forced consumers' hand.
I feel fairly confident with the idea that consumers who knew their finances were frail or were looking at a job loss in the near term, heard about the gradual but accelerating cuts in personal lines of credit cards from friends or family. If people felt that production income sources were drying up like when a plant puts out a notice it will be closing in 60 days , then it would be smart to do what Ford did; get it while you can because there isn't going to be anymore.
As to what they bought, despite the numbers at Nordstroms and other upscale retailers, I feel uncomfortable with laying all that credit usage off on purchasing luxury items. It sounds like there's a little elitism in that conclusion, as if someone were writing about what they expect lower income people would do and using a upscale stores sales increases to buttress that stereotype. Compare the total increase in dollar terms to the forced de-leveraging and I doubt it would even come close. Making a statement like that almost demands some data sourcing to back it up so comparisons to forcible deleveraging numbers and increased sales at luxury stores could be compared. With a final pop of what percentage of those sales were people maxing out their credit .
It reminds me of the the Cable TV assumption I 've seen here and else where; where it's assumed a significantly high amount of people who are jobless watch their cable TV all day when they could be saving the money and looking for a job. Cable provides two essential services besides TV; Telephone and Internet, both an absolute requirement for job hunting and networking these days. Basic Cable is provided free when purchasing Phone and Internet service. People have to spend less than a $100 to make it compatible with their TVs.
People could also be using it like this http://www.theimagefactory.com even though I have been doing this for 14 years. So it's unrelated to any job search but definitely the best deal going when I get three or four people who pay me to host their sites and email while letting them them use the mail server to send oversize files.Plus being able to avoid the cost of co-locating a server. That pays for all of it. Yes the big Poster machines are in my living room which is probably why I'm still single.:-( Come-on a 400 pound 105" printer doesn't look that bad upstairs and down..? , I think it's a great substitute for couches myself. Couches only give up change. These babies make money.
Being able to Blog to show people unique skills that you have or putting up a free brochure website about ones self also requires access. If people would learn the skills of putting up a site about themselves with say a video interview of someone asking some real tough questions based on a resume that is beside the video window, recruiters would probably like that. Also providing a download for text resumes for their databases would come in handy.
Who knows, people are making a living blogging these days. For some it's a multi-million dollar venture for others they get enough to pay the groceries and yes; the cable bill. That makes me wonder why we see these assumptions make it's way into people's comments and posts. This may be a ticket out of poverty for some, not a huge number , but some of the more desperate/ambitious people out there. For people who are writing about the obvious elitism at the top with seething hatred as it sucks out the wealth of the country, these assumptions seem somewhat hypocritical just like the Gucci Handbags analysis.
My guess is , much of the usage went to cash advances to create a cash cushion where once that cushion once was their credit cards , purchasing of other essentials that they had put off and off course paying their bankruptcy attorney from their credit cards. Even that wouldn't amount to much though is a million people did it, it might come in at 2 billion.
While I'm sure a percentage went to Nordstroms and other garbage cans masquerading as fine stores that are soon to be boarded up as testaments to a once proud culture that defined itself by the value of material goods in their possession, which was not the private domain of the financially Challenged population.
I feel reasonably safe with the idea that spending was spread out over much more of the needs side of the shopping list not wants, especially if they have kids.
Use it or lose it.
"Three or four million heads of households don't turn into tramps and cheats overnight, nor do they lose the habits and standards of a lifetime... They don't drink any more than the rest of us, they don't lie any more, they're no lazier than the rest of us.... An eighth or a tenth of the earning population does not change its character which has been generations in the molding, or, if such a change actually occurs, we can scarcely charge it up to personal sin."
– Federal relief administrator Harry Hopkins, 1933
Cut off is cut off. It matters not where you shop. Two times in the last 10 days the food shopper in front of me was all bagged up and ready to go when the cashier let them know that their card had been denied.
But since this envious suspicion that other folks are living large for free (regular people, not the banksters) seems to relentlessly creep into people's perceptions and prescriptions, I think Tyler's finer analysis to come will be a great service to all.
Damn, cut off at the grocery store . . . that's worse than most of the other places one can suffer this embarrassment. Did you get a read of other people's reactions to that? I would suspect alot of relief and sympathy for most.
MissE - re. cutt off at the check out counter. Can you give some demographic background to your anecdote? Like what region of the Homeland? Urban/rural/suburbia? Thanks
Wilmington, North Carolina. We are surrounded by rural, not particularly urban. I would discribe this area (primarily) as newly developed sprawl, with a large dash of Civil War History. We are Cape Fear.
the worst was the lady of Latin descent purchasing a cart full of beautiful meats and vegetables. Paid for it with a Lone Star card (Food stamps). Then took her groceries and packed them in her 2008 Suburban with Mexican tags and took off for Mexico.
I was very annoyed by this...
I'm not buying this conclusion, at all. Agreed, it is a snobbish look down the nose at the little nigger-rich peeps out a'spendin' without a care. I just don't see this happening. People in my area are obviously pulling back, not buying labels like the nouveau-riche Shanghai chicks, for instance.
your accusation of implicit racism may have had more validity had you not committed the very same error in the very same paragraph. just a thought.
We need some quantum theory 101 to grasp the enormity of the bang.
Talking about quadrillions.. In February this year I googled the word and got 401,000 hits as I posted on #574753. It is now 1,530,000 hits
People are getting it.
Thanks Tyler
I was having a little problem with the narrative and the math. At the margin there are people who simply cannot/could not survive, so playing the fiddle, drinking the wine and watching everything burn is a fine way out.
The "newfound" savers likely do not exist.
Thanks for sharing.
Makes me feel silly to have paid bills and keep current. :P
Ditto. And here's something to make us feel even sillier. This article reminded me of one of Diana Olick's columns from a few months back, when she went to Las Vegas for a Real Estate convention. As we all know, Vegas has been one of the most hard hit areas in terms of the subprime mortgage mess.
Now, you'd think if someone did a strategic default that they'd be cut off from getting credit for a long time. That's not how it works when everyone is defaulting.
What the article pointed out is that the Banks still need to lend and make money from loans. So, they were making loans again to people who wouldn't qualify elsewhere.
So if all American consumers stiff the Banks, it doesn't necessarily mean that they won't get Credit again soon. Nor is it any guarantee, of course, that they will. I just wanted to point out that things aren't as clear cut as one would think. And that paying off one's bills, and keeping a high credit score, may not be as advantageous as one would think.
But I'm going to be taking the conservative approach, myself.
That is the flaw in the entire premise of this post. The banks and gubbermint are in league with the deadbeats. Deadbeats spend, deadbeats borrow. The banks are dishonest, d.c. is dishonest, and so are the deadbeats. There will be no collapse because the fraudCONme will continue forever without end.
fraudCONme will continue
The fraud will continue for the banks and D.C as long as the deadbeats keep getting new credit and paying. Once that comes to an end, the musical chairs will stop for the deadbeats. Bet on it!
You are right to take your conservative approach. Everyone who is participating in the strategic default thinks that they'll be in common league with everyone else... this is only mostly correct. The records of your default will continue in perpetuity. All future creditors will be aware of your "strategic" past. Getting additional credit at this juncture, when no deals are available, is not strategic...
There will come a time, in our lifetimes, in which the opportunity will be presented for incredible wealth. It will only be presented to a few and the only thing you can do is give yourself the most time possible to watch what happens and to place your bets with the utmost in research. These opportunities do not come by but every ~100 years. Play wisely and you can ensure a couple generations of your descendants will be taken care of... play poorly, and you may find yourself surrounded by a glass bubble (most already have).
The concept of not having a ~caste system is simply untenable. The playbook is presently scripted to require a high credit score to succeed and to give yourself any chance (through credit) of being able to place a wager on the winning horse. Right now, we track money all over the carpet with our shoes and the money vacuum cleaner sucks it all away in a seemingly neverending cycle. Well, the money drought will come soon enough and you can rest assured that any attempt to fuck over the government or its banking cartel will be met with punitive resolve. And, if not, their successor(s)will be keenly aware of your previous activities.
I just wish I could see what that decision point is and when. Sorry for the ramble. Feel free to ignore/junk 'cause This is probably the worst thing I have ever written since 3rd grade. But I am sincerely and soberly at a point of great analysis paralysis.
I personally can not see it being PMs. I don't want to get into the "you can't eat it/it is the oldest respected form of money debate" -- because to me -- it is too well argued on both sides. Literally a ZH. a great store of value but not a panacea. If it turns out that was the play and I missed it, I wont feel too bad. In fact I'll gladly and sincerely tip my hat to a goldbug if s/he'll let me clean their pool for a wage.
In my particular situation:
-I could hyper lever up as discussed and hope to pay it back with inflated dollars. But that is a huge risk putting collateral down, especially considering all the legal wrangling reported here. (forclosure,claw backs, nationalization of certain companies GM I am looking at you)
- I've got a good FICO, and would never strategically default, but how much risk can a person take to catch this great opportunity/falling knife edge? 7 years, 10 years, whatever reporting duration used to calculate the score means nothing. Given our level of data retention and availability, it would be stupid for any bank, supplier, service provider, employer, etc to not insist on full disclosure. I.E. "we will access all of your records. We will make our our credit/character score. If you don't like it, take your business down the street"
- Also, since I am not into the PM thing and don't trust the market, what would I lever up to buy to resell/rent?
- And back to the pool boy analogy. I am capable of working hard 70-80 hour weeks. But I could also live off of savings if it came to that. If the taxation, logistics, work related expenses make it not worth going into the grind everyday with a bunch of jerks (natural personality and/or recession based bad behavior) My skill set pays okay, but its not one of those "love what you do" careers. Especially if the the wages are going to be marginalized by this great opportunity/risk we are talking about.
Like, what if we don't get hyperinflation or default/deflation, but end up getting a new fiat currency created? With some type of exchange rate that keeps the status quo going and makes me become a debt slave even though I've avoided it for so long and got none of the perks? (bitchez, toys, trips, huge brokerage account earned trading on margin)
Is ex-pat'ing safe when if trade/currency wars fire up you are a rich american in Ireland/Greece, Mexico, etc?
Terrible. Terrible complexity to work through. But I agree there will be people who make the right choice and essentially become minor feudal lords in a way that is safe/fair/ethical enough that the mob tolerates it. On the other end, I can see a fate worst that debt slave (untouchable) that will also be endorsed/accepted/shadenfruedened by the rest of the mob.
I guess I'll spend the next few months trying to figure it out. Being lurking for over a year now. Thanks ZH. Analysis paralysis. I don't see a collapse or Mad Max. But I agree that there is a game changing opportunity/trap coming soon.
Whether or not we get mad max, it's going to be painfully obvious to the resourceful (rural) that the only reason many of them have no idea of the pains of the deflationary death spiral is because some semblance of society and blissful remembrance of yesteryear keeps people throwing their lives away to recreate it (despite it being a complete illusion from inception). Many say "let it come", well, before this is over, they will be the ones wishing the herds were driven back to their suburban hibernation grounds.
Gotta love the American Dream.
One mode with balls out: High income, hyper consumption.
As income in real dollar terms has been declining, credit has been increasing, keeping the American Hyer consumption Dream alive.
Nothing to see here..... move along & buy more shit.
I personally know someone who is doing this right now - getting everything they can with their credit card until they are cut off. People are seriously preparing for end times. The analysis above would not surprise me at all. I hope to prepare too but I have been confounded by this market.
I to had a hunch this was was taking place,same with 401k's. Prepare for the worst hope for the best...
"Do as I say, not as I do." The consumer has had a terrible example set on saving , paying off debt . Literally none from the media , none from the schools , and the last two generations , 20 to 40 yrs olds , precious little finance education from parents . Keeping up with the Jones's and peer pressure on all to have it all , patince as a virtue in saving for a goal is non existent . The few wise will prosper as the house of cards falls for the majority . I was taught to be a rebel with a cause . Don't buy into the marketing B.S. , the gotta have it frenzy . Guess I was born to early , 1955 to be duped . ZH helps continue the proper education. Great article TD , going against what we have been lied to about. Consumer deleveraging indeed . I like the step chart , very self explanatory
Yeah, we're real 'joiners'...
third world war
third round
A decade of the weapon of sound above ground
No shelter if you're lookin' for shade
I lick shots at the brutal charade
As the polls close like a casket
On truth devoured
A Silent play in the shadow of power
A spectacle monopolized
The camera's eyes on choice disguised
Was it cast for the mass who burn and toil?
Or for the vultures who thirst for blood and oil?
Yes a spectacle monopolized
They hold the reins and stole your eyes
Or the fistagons
The bullets and bombs
Who stuff the banks
Who staff the party ranks
More for Gore or the son of a drug lord
None of the above fuck it cut the cord
Lights out
Guerrilla Radio
Turn that shit up
I highjacked
the frequencies
Blockin' the beltway
Move on D.C.
Way past the days of Bombin' M.C.'s
Sound off Mumia guan be free
Who gottem yo check the federal file
All you pen devils know the trial was vile
An army of pigs try to silence my style
Off 'em all out that box
It's my radio dial
Lights out
Guerrilla Radio
Turn that shit up
It has to start somewhere
It has to start sometime
What better place than here
what better time than now?
All hell can't stop us now
My crystal ball shows that jubilee will only be for public institutions.
I keep seeing that word "jubilee"...
Good things happening to someone else?
I guess that if we want to prepare for a jubilee, that we creditors / savers ought to cash in what we can soon.
Gold is a good ticket out of town.
Who would have thought that ZH would turn into such a religious, doomsday, goldbug site.
What a shame.
As it is unlikely that anyone is holding a gun to your head and forcing you to read the comments here, you are welcome to go elsewhere if you are not satisfied by the quality of discussion here. Judging from your dismissive tone and your jabs at the usual strawmen raised by those who still refuse to open their eyes (and minds), I might suggest RedState, Salon, Wonkette, or any of a host of other inherently pro-establishment, pro-status quo forums.
This actually makes a lot of sense, because why stop doing something if you don't have to? families are moving back in with each other, which means the person who is bringing home the bacon needs to borrow more to provide for everybody. In addition, mentally, most people would maintain their spending habits even if it meant that instead of being able to pay it all back in six months it would take nine months to pay off the debt. Lastly, maybe before the masses were just borrowing what they thought would be acceptable, but now, a lot more people are borrowing to finance things that they need as opposed to what they merely wanted.
Ahhh. Wants n needs once more.
amazing,no?? My guess is that a whole hellva lot of the buying is for mainline necessities-including ammo and some trinkets to use it. The relly, really hard line nitwits are doing the Gucci tango. They will be at the head of the breadline.
If the post is close to right, what is coming ought to be something to behold. Milestones
I also think that people seeing troubled banks being bailed out feel deep down that somewhere down the financial line if they themselves don't pay their Visa bill or LOC, the gov't will simply bail them out and all will be forgotten.
I paid down my debt because I promised to do so. I paid off my debts and have no desire to incur more debt at this time. Mainly because of this mess but I avoid debt like the plague.
Guess I'm just a lonely 'ol outlier.
You are not alone. There will come a time when everyone with negative equity will be wiped out and be semi-permanently/permanently placed into a glass box of the lowest class in the country. Credit score is going to be a report card on who gets to crack the whip post collapse. You follow the rules and you play nice, you get a whip. You default or strategically run up bills, you get whipped. Simple as that. Best of luck getting out of the country and finding a safe harbor for your money. We are the world's black hole.
Credit score is going to be a report card on who gets to crack the whip post collapse.
Surely you jest: A good credit score, like a clean criminal record, is only useful for coercion for exactly as long as the majority have one (and still have something to lose)! After "everyone" has blown their credit rating away, it becomes irelevant; if there is nobody qualified to borrow or for a job with a "good" credit score, then they will find some other way to determine who qualifies; like, Oh The Horror, competence or marketable skills, f.ex.
Here in Denmark, they made a law that carrying any kind of knife will get you 7 days in prison - after a few teachers e.t.c. got a criminal record because of it; they are beginning to qualify the legislation to disable the law as written (no politician EVER revert a stupid decision) because they obviously realised that, once enough criminal records had been printed, it would be useless: Within a decade Everyone would have aquired one!
If you believe the principals of democracy and majority rule are in place, how do you explain the wealth gap and mountain of legislation ensuring classes on our society and glass ceilings for all but the top?
Not only will a poor credit score affect you now, as funding dries up, but it will also affect you when the real time comes to lever up... and you do not get to participate in the backside scramble. Further, your credit score will affect what jobs you are able to get as well as where you are able to lay your head at night. These records exist in perpetuity.
We have a country that is run by the top 1% (probably more like top .00001%). If you are naive enough to think that there will be no more repercussions from strategic default, you are nothing short of incredibly naive. Look at the trend with regard to dischargeability in bankruptcy... is it becoming more or less stringent? Student loans? Our frog is getting boiled.
Even if the system as we know it collapses and persons/entities completely disassociated with the present calamity rise to power or prominence, they will have the records of your default. When assessing fairness in the future, I can assure you, your report card will be stuffed in your face. We're in the process of determining who gets to participate in what little wealth will be available post collapse... and that determination will largely be based upon santa claus' little list. Don't get left with coal.
It doesn't matter if everyone else has a poor credit score because everyone is going to be poor... our standard of living massively reduced... and only a select few will get whips. Whether or not you want to be an amicable and congenial slave owner is your business, but I would personally prefer to have the choice.
If you dream is to become a kapo, then sucking up and earning your perfect credit score is absolutely not the way to go about things, you are just one of the grass. Even as a survival strategy, it sucks: They shoved them into the ovens too, at the end - because, nobody can afford to trust a traitor!
Look at what happened in USSR: All official structure disappeared, it was down to the basics; who you know, what you can do to/for people. Connections. Credit score??? Hahhahaha - The "currency" was Vodka and Groceries! Only the oligarchs still used banks and real money - ironically, credit scores do not apply at that level - in any case they would not have lend to You or Me.
I.O.W: If society does not collapse the same way the USSR did, the banks will be forced to lend to everyone and their dogs to keep credit expanding. If is does collapse you will not be able to borrow one cent unless you happen to be one of the oligarchs. Maintaining your credit score is a useless burden.
PS: I think democracy is long dead in most western countries.
The middle class exists, by definition, as a buffer between the oligarchs and the poor. In this sense, there will always be a need for persons outside the oligarchy to get table scraps.
I pay my debt obligations because I promised to do so and I have the means and if not, then I figure out my best to get the means within my moral confines... it's as simple as that. I'm just arguing that strategic default may not be the panacea or uber solution most people think it's cracked up to be. There are risks... and I suspect that given the perpetual nature of the debt records (see fight club), that a good credit score is a pre-requisite to any chance at upward mobility. In other words, if you derive your fortune through strategically fucking over your creditors, who fucked over the rest of the populace (e.g. taxes/uber sovereign debt) to help pay for your default, your fortune may not be well received.
In short, if all you get out of the deal are some mortgage payments, then I would shy away... if you can lever up and hit the motherload with some gold or other opportunity, then that's another story... but I don't see leverage getting you anywhere but broke at this juncture.
It has been made plain that the only job for American's is to SPEND. Spend like there is no tomorrow. Spend until they cannot spend any more since much of the world is dependent upon this sickening, corrupting codependency.
And Japan, Germany, Taiwan, Indonesia, Vietnam, Mexico, Colombia, India, Brazil, Saudi Arabia and more...
Old bumper sticker: "Keep Working - Millions on Welfare are Depening on You."
New bumper sticker: "Keep Spending - Millions of Workers are Depending on You."
Or, to be more succinct... http://shop.moderntoss.com/images/104.jpg
A Modern Toss fan. They do a shopping bag which sums it up neatly.
'Buy More Shit Or We're All Fucked'.
"The New Frugal Normal" described by Rosenburg sounds like the relationship between a drug addict and his dealer.
As they stop only to bump...
How has the discussion come this far without a mention of the gold question? Here is some interesting commentary on how gold will perform in either a high interest rate scenario and/or the deleveraging phenomenon:
Note the charts showing the differences in debt levels in the 1980s compared to now.
...gold's stunning rise in the second half of the 1970s occurred during a period of strongly rising interest rates. So, rising interest rates and rising gold prices are not mutually exclusive.
...debt is the single biggest economic challenge facing the U.S. – and much of the developed world. In time this debt will get resolved, it always does, but it's not going to be pretty.
Great post Rocky. I own gold (and have bought it since 2000) as a hedge from poor government policy, global war (I'm still expecting something in the Straits of Hormuz), and to keep money away from these banksters.
Gold did great in the 1930s and 1970s thanks to deficit spending and poor central planning from Treasury/Fed interventionists.
Gold will be seen to have done much better than either of those examples, once we reach the other side of The Consolidation.
So now we have a FOFOFOA! So what comes next, Yet Another Friend Of FOFOA (YAFOFOFOA)?
On some of my comments at fofoa.blogspot.com, I give myself the title FOGARB (Friend Of Gold And Rolling Bearings).
I've suggested FO3A. How does that sound?
What about Goldfarb?
Even a yappy dog is a well behaved one when he gets knocked out.
Let the jackasses that mailed all those credit card, HELOCs and blank check promotions along with Verizon Fios flyers... "burn baby burn"!
A very troubling post Tyler thanks. It is inconsistent with what I see on the ground here and what I had hoped was happening at the micro level. If the glass is less than half full this delays any recovery even more. A widespread voluntary healing of individual balance sheets was the only potential energy available for any turn.
The portion of below article by J. Mauldin on deleveraging flys in the face of the step chart . How does one reconcile and sort the data differences . Mauldin a "bull" , ZH a "bear" ?
Gary Shilling wrote that piece. That should explain all. Not sure how you came away with a bull scenario:
We've made our case for very slow U.S. economic growth in the quarters, indeed the years, ahead. The economic rebound due to the inventory cycle is over. Employment and consumer spending remain weak. Housing is too overburdened with excess inventory and the resulting price weakness to revive any time soon. State and local government spending and employment are retreating. And meaningful export gains are unlikely as economic growth abroad slips. Interestingly, the consensus forecast is moving toward our position as growth estimates have been reduced rapidly in recent months. In both April and June, the Wall Street Journal's poll of economists (not including us) expected 3% economic growth in the second half of this year. We wonder if they still do.
My "beef" was with the deleveraging portion by Mauldin /Shilling only as it pertained to Tyler's piece . Shilling sez we're saving , paying down debt . Tyler obviously not . Who's zoomin whom . I don't follow Shilling , and infrequently read Mauldin . I think he is somewhat polly-anna . Though being an optimist has its advantages ... as well as dangers
I see your point. Shilling is looking at too many variables to make a detailed analysis of any one in particular. Each of those sub-headings in the article could be a book -- an outdated one by the time it hit the retailer.
Atlas Just Shrugged. Former Chairman Gobbledegook says buy gold. Linkeration.
And all week CNBC was alluding to his comments, but spinning them to support the dollar.
Yea, great idea. Take all your fiat wealth and trade it for a hypervolatile metal. Then, as planned, the great conductor signals and the elevator goes down, the doors are locked shut.
Instant reduction in MB. You can redeem your metal for much fewer fiatcons when you are permitted to exit the elevator.
Even more brilliant is the 'Destroy your future purchasing power by purchasing gold with credit cards with intent to default' thesis.
Yes there is plenty of intellectual banter on ZH, but it seems to originate from idiots.
Would you mind to share your trading/investment/wealth preservation strategies?
ZD, as you well know, the gold trade was acted upon years ago by those with vision.
Like buying an investment property in 2008, the risk was not justifiable to this person. At the present time there are other asset classes for those with vision.
In the 4th Quadrant the best trades are executed with painstaking patience.
ZH is not the place for sharing trading tips it is a forum to sharpen your vision against all odds of doing so. The ultimate challenge.
Farmland ZD. And as stated above, 4th quadrant trades require the ultimate in patience..
Isn't that too late as well? How much higher can raw farmland go? Especially considering there is nologer the "sell it for housing development" hedge.
I'm Not a gold bug, but I can't imagine the servicing fee on storing gold is anywhere near the cost of land-lording farmland unless you are already a decent sized farming operation. I can't see a newbie beating cash flushed entities like ADM/Con-Agra and closely held big-time agricorps/families to the punch. And what keeps the politicians and school disrits from raising taxes on ag land if they think you are making a profit?
Maybe in a agricultural ETF, fund or something similar with negotiating/lobby power. But Raw land?
Pasture farming is going like gangbusters. We have been at it for a year with excellent results. for more info, visit:
Great deals on land exist if you hit the gravel...Quality of life figures in here too
If your house is upside down a couple of hundred grand, and you lost your job, or are marginally employed, then personal bankruptcy is a considered reality. There are millions (10s of millions of Americans) in this predicament.
If this is your reality then, why not MAX out all available remaining credit at the end, and have a supernova blow out. If I am going down, might as well be with a bang!
>>...why not MAX out all available remaining credit at the end<<
because its immoral and you're letting the system make you into somone you shouldn't allow them to make you into.
immoral?? - The system's immoral. When in Rome do what?
Personally, I have almost never carried any debt, but I can understand the greater unwashed having an epiphany and seeing they've been fed a load of BS for years, via the MSM, DC, et. al., resulting in them and theirs getting backed into an impossible situation ...
Is moral hazard only for fat cats?
"moral hazard" what a quaint term, haven't heard it used much lately, must have been used in the "olden days".
Apparently, the immorality of it isn't for you. Why would you think others should be brought down to that level?
I'm one of the unwashed masses and I'm not about to become a rip-off artist with a rationale.
"because its immoral and you're letting the system make you into somone you shouldn't allow them to make you into."
Thank you Stev3e for making note of this important distinction.
I value your comments.
Respectfully disagree--your taxes, your children's taxes, and your grandchildren's taxes will be at extortionate rates for generations, all to pay for wealth redistribution for poor non-producers, and to reimburse hyper-wealthy banksters who kept profits when they rolled in, and made their losses the responsibility of the govt when they didn't.
There is no morality anymore, financially. It's dog-eat-dog.
Really nasty lower self seeks kind caring higher self for abusive relationship.
"When there is sympathy there is abuse. When sympathy fails there is a different kind of abuse." - Me
What has surprised me recently is the number of people using food stamps in the grocery lines I wait in. Way up from a year or so ago.
I have always said, the American consumer is like a goldfish. Given unlimited food(credit) it will consume until it explodes.
Mort á credit. Death on the Installment Plan.
This commentary dovetails with what I am observing in the second tier auction markets, where there seems to be no shortage of buyers in the US$500 to $5000 range. In addition, I am noticing some "bidding wars" occurring on real estate in the US$150,000 range and below here in Sacramento, California.
Bring on the supernova! You only collapse once...that's what I'm talking 'bout.
Completely off topic, for which I apologize, but to show that there is hope for the future;
"Graduation Speech - Valedictorian Speaks the Truth on America's Education System";
And the transcript on her blog;
A bright young woman!
Now that was truly beautiful.
As someone in a position to know, I gotta tell you that the vast majority of our young would tell you the same thing . . . the difference here being that it's the Champion Apple-Polisher doing it. You don't see much of that--usually it's off to the Ivy League followed by a life of sucking off TPTB until you get the "well-earned" opportunity to do it to everybody else.
Thanks for the link! That should be pushed viral.
Youtube does practice NetForcing (resultant force is a vector produced when two or more forces act upon a single object). In stark contrast on the same page in the suggested videos you can see:
NetForcing is a theory of mine that seeks to answer how the freedom of the Internet will be balanced by TPTB. You, the object, goes to Youtube searching for a video. You can gauge how subversive it is to the CIA (strike that I meant to say Google) by looking at their Suggested Videos in the right hand column.
The suggestions are meant to balance your thoughts.
"Voluntarily, in the form of actual financial discipline, whereby the end consumer makes a conscious effort to pay down their debt, and Involuntarily, which is really not deleveraging, but aggressive leveraging to the hilt, up until the point where banks eliminate all credit access to the end consumer."
Not really surprising when people have no money. Reminds me of the statement that Paulson made at the height of the financial crisis when he said something about "people not being to access credit to buy their basic necessities."
Great chart.
Come on Tyler. The politicians and the banks won't ever enforce the reduced FICO scores after default. These people will obtain new credit again and again. All in the name of job creation.
True but false. It is enforced via a premium. You will pay the money lenders, credit creators, a higher premium because of the risk category that YOU put YOURSELF in.
More income for the banksters produced by the brilliance of the Default Club.
The housing market bubble is to blame. When the average Joe watches his home value plummet to the point he is underwater (in my city Las Vegas many are 50% or more under), they are watching their neighbors walking away in droves, many are considering the strategic default option.
A client of mine bought their house near the peak for $410,000 and the value is now close to $190,000. They don't qualify for a loan mod and their same house is renting for half of what their mortgage payment is. While they are still employed, their incomes have fallen drastically. They owe another $50K for credit cards and medical.
If they stop making their mortgage payment they will live "free" for 10-12 months. The credit cards are maxed out with gift cards that will be used after the BK. The question becomes "how much is your credit rating worth?
Mortgage payments saved, $30K, non-secured debt $50K, negative equity $220K. To them it is worth $300K to trash their credit and for the next five years they live on a paygo plan after the BK is finalized.
They justify it all by watching the banksters getting govt bailouts and the following year pay themselves huge bonuses.
Which all makes sense to me as well. Also anecdotally, however, I find that people I know are going Chapter 13, arranging to still pay off all that shit. Regardless of my advice or the kind of common sense underlying it.
Then again, if you still qualify for Chapter 7 (since the banksters got the rules of the game changed as preface to The/Their Financial Crisis of 2008) perhaps it's a different story.


text:
- WP Plaza, LP, of 5901 Route 42, was granted an approval by the planning board on Sept. 20 to change its signage. The applicant requested to add three businesses to the sign, including Burlington Coat Factory. Only four tenant panels had been allowed, according to a prior approval in 1989. The new sign would be 285 square feet.
- Plans for a 10,000-square-foot daycare center came before the planning board on Sept. 6. The applicant, E&R Properties, LLC, is applying to construct the building on 2.8 acres of land at the junction of Barnsboro-Good Intent Road and Blackwood-Barnsboro Road. The hours of operation would be 6 a.m. to 6:30 p.m., and - if licensened - the Children of America daycare center could accomodate 160 children and about 18 employees. The applicant was grated preliminary and final site plan approval with waivers, conditions and variances.
- Cellular Sales of New Jersey LLC was given a site plan waiver by the planning board on Sept. 6 to operate a Verizon Wireless store on Route 42. The store would be located in a former Dunkin Donuts in front of a strip center. The hours of the store will be 9 a.m. to 9 p.m. Monday through Saturday, and 11 a.m. to 6 p.m. on Sunday. The company plans to hire eight to 10 employees. The company was also granteed approval for three facade signs and one freestanding sign.
Sign approvals, day care building among Washington Township planning board actions
Washington Township Times By
on October 28, 2011 at 11:00 AM
on October 28, 2011 at 11:00 AM

subset: commoncrawl


text:
Though guidelines suggest screening starts at 50, researcher says it's premature to change them
by vwxyz on Sat Feb 02, 2013 07:14 PM
714x. a nitrogen sulfer treatment for cancer.
by SarahGrey on Sat Feb 02, 2013 08:43 PM
where did you hear about this?
by jon4156 on Sun Feb 03, 2013 04:03 AM
by vwxyz on Sun Feb 03, 2013 06:36 AM
Church, Billie Best's parents spoke of 714x boosting their sons immune system along with essiac tea, juicing, eating right combined with standard treatment of radiation and chemo. It was create by a Canadian Dr/scientist. The "Standard Treatment" of radiation and Temodar was created by a Canadian Dr. and used by MGH (Mass General, Boston). The 714x is used in Canada as a last ditch effort after nothing left to fight with.
Mr. and Mrs. Best said that there was an 18 year old girl told to go home to die after all else failed. Her mom brought her to the Bests for support and put her daughter on 714x, essiac tea, juicing, eating right. The lemon size carcinoma from her brain, sinus, and cheek shrunk, disapeared, and the daughter is a healthy woman with family today. I have not met them, but would like to. Billie Best is a healthy adult now with a son after all he went through as a teenager with Hodgkins disease.
by vwxyz on Sun Feb 03, 2013 07:07 AM
CORRECTION WITH A CAPITAL C! : CAMPHOR based, NOT sulfer. Sorry.
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text:
First Battle between Natsu and Gajeel by CaptainPockyWatch
©2013-2016 CaptainPocky
Watching fairy tale of late, and I love this fight!
~~These character's are not mine~~
~~These character's are not mine~~
I love that episode
yess! i love fairytale in general but im watching the dub so ive only seen 75 eps
Wow! This looks good!
Nice work! C:
Yay!~~ an otaku fan ^^ lets talk anime xD
Alrighty then!! Im not that much into Dairy Tail, just 47 eps in & planning on waiting until the English dub comes out XD Currently watching Shippuden, LOVE ONE PIECE (Dat Shanks DUHHH XD) Just so many!! XD
same! waiting for the next english dub xD till then, one piece, naruto shippuden, shingeki no kyojin, berserk and free! I am watching - thankyou! Shanks is my favourite part as well! ^.^
YESSSSSS!!!!! XD Wait.....Free........ REALLY!!!!!! XD & "I like water" is not an acceptable excuse
hey man! I am into alot of awesome anime but everyone has their guilty pleasure! you guys have your porn and we have men dripping in water with six packs and v-lines as ours ;D haha - you know an awesomely sadistic yer amazing anime you should watch? Gankutsuou, best art I've ever seen!
HEY! HEY! WOAH! WOAH!..... well yeah XD BUT STILL!!!!! XD Yeah an awesome friend of mine is telling me to watch Gankutsuou, I cant wait to see it myself I know Ill be hooked on it, I just know it BUT I WANNA WATCH SHIPPUDEN!!!! XD The same friend who recommended me Gankutsuou is watching Shippuden with me, AND SHE WANTS TO WATCH ONE PIECE INSTEAD!!! XD But still... I want her to watch One Piece, Im proud of her watching it I SHALL WATCH GANKUTSUOU IN TIME!!!!!!


text:
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This review is from: Fit & Fresh CleanTek Alpine Hydrator Chilled Water Bottle, Blue
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Monday, July 12, 2010
5 comments
1) So first and foremost- I am 100% totally going to start tracking again. I drove 2 hours to go to my brother's fianc�s bridal shower, stayed there for 20 minutes, and then went out to eat with my brothers and my sister-in-law. They're all 3... Read more
Monday, July 05, 2010
8 comments
I get a tremendous feeling of bliss when I see some beautiful girl from high school on Facebook who is now fat. (I know... that's terrible... but it's a knee-jerk reaction which I cannot control). Then I scroll down, realize she is not fat- she ... Read more
Friday, June 04, 2010
10 comments
I started this week with a cleanse, and I felt pretty fantastic. I broke my plateau, lost a few pounds (I know it was water but it felt good to see the #'s move) and was feeling pretty excellent. I did good for the two days following, tracking... Read more
Monday, May 24, 2010
10 comments
So I must say, for a big city� Wilmington, NC is the SMALLEST town I have ever encountered.
My guy's grandma gave us a 2-for-1 lunch coupon for the local TGIF, and we decided to go there for lunch today while he had the day off. We were ... Read more
Friday, May 07, 2010
9 comments
Alright. I'm at a crossroads. Weighed and measured today- my measurements are the same (except my thighs have actually gotten bigger) and my weight is the same - it's actually up 3 pounds from my ticker marking but I really don't want to chang... Read more
Monday, May 03, 2010
5 comments
So last week I worked out as usual... about 5-6 days. But I didn't track like I normally do. I'm scared to get on the scale. I was very bad for a few days, resorting to the old habit of "getting a craving out of my system" so I could "be good"... Read more
Saturday, April 10, 2010
10 comments
Brandon's personal message to the SparkNationWorldCommunityThing :)... Read more
Friday, April 09, 2010
34 comments
So today my nursing school hosted a Health Fair. It is also my birthday... I'm 22. Neat.
I was feeling pretty good about myself. I was wearing some capris that were a little loose and my School of Nursing polo- per uniform policy for the ... Read more
Tuesday, April 06, 2010
4 comments
So ChaLean Extreme got here today, and I started out super excited! I couldn't wait to get into the package and figure everything out and get started.
Starting Measurements
Upper arms....18.75"
Waist......... Read more
Monday, March 29, 2010
2 comments
I'll post a video blog later this week or perhaps next week... but I just gotta say- A fellow SP member introduced me to TurboJam, and I am totally in love with this workout! It kicks my butt! BUTT (haha) I don't feel like I'm really working o... Read more
Monday, March 22, 2010
11 comments
Talking about future goals and a special request: I need your input! What works for you?... Read more


text:
Awesome title I know. My first project of the semester, I couldn't upload it until now because I couldn't find a scanner large enough. The original (which is 18x24) is on the left, but the initial idea of this picture is on the right, so I uploaded both.
India Ink, black pen
If you would like a print of just one or the other let me know
-screams like mad- OWLS. I LOVE OWLS
Wow, this is amazing! Catches the eye!
This is absolutely amazing, nice work
This is lovely.. I adore it.
Wow... Awesome !! Such clean line movement aaa *p*
This is freaking amazing. Love!love!
I want a t-shirt with this!
Thanks for that great picture!
Oooh this is very nice.
Spectacular work!
So very beautiful and flowing, where the lines are placed gives a good weight in all the right places This is a piece I could look at all day <3
So cool ahhahhh I can't breathe! They look like mirror images of one another, are they? Way too cool.
This is beautiful! I love the contrasting colours
love it!! :_)
This is awesome! I love the tiny torso and giant head/feet.
Very nice !
This is brilliant ! The swirliness inside the owl's body is gorgeous , gives it a great fluid sort of feeling. They both look so awesome , delicate and powerful at the same time .
yessss, my kind of stuff right here.
I'm just fond of your work !
I love the patterns on the owl
I love the patterns on the owl
This is incredibly beautiful! I love how light they look and the pattern in their bodies! Gorgeous!
This is amazing, great detail and line work
I love that certain spots--like the wings--aren't complete. The texture inside the body adds to the flow of the illustration. They're both very beautiful. Owls have always been my favorite animals.
Thanks! I tried to make it disappear as it went up to lead the focus downward.
I love the swirly patterns on the owls. It seems like they're moving, and the effect is nice.
Thank you, I tried my best to create a sense of movement, there's a lot you can do with just one element of design!
Good job!! XD
cool OwO
I love the texture that the lines give to the body. As to the question of light or dark, I'm drawn to the light one, but the dark one is intriguing also. It gives it the feel of an owl hunting at night, whereas the light one is more of a traditional sketch.
Yeah that's what I was going for with the dark one, but I couldn't achieve that quality traditionally, but I do like both. Plus I think they work well as one image.


text:
February 8, 2016, 6:52 am
Peyton Manning wouldn't say if this was his last game after winning Super Bowl 50, but he was sure to drop a shout out to "Budweiser" at least 3 times after the game.
Read More »
February 4, 2016, 6:31 am
Reports everywhere are suggesting that the LA Rams are having internal discussions about bringing Peyton Manning to Los Angeles should he want to play another year.
February 3, 2016, 6:28 am
Executives in the Browns front office say that Manziel is "tarnishing the reputation of the organization." But Ben Maller argues he's being dropped for another reason.
February 2, 2016, 6:34 am
The Colts believe they can get an extension done with Andrew Luck this season but Ben Maller thinks they should hold off.
February 1, 2016, 6:34 am
Many NFL pundits believe that if Calvin Johnson is really retiring that it was a career wasted in Detroit - but not Ben Maller. Few top prospects live up to the hype and Megatron did just that.
January 27, 2016, 7:29 pm
The Benny's are back for another year, make sure your voice is heard by voting for the best of The Ben Maller Show in 2015.
January 27, 2016, 6:36 am
Blake Griffin will be out the next 4-6 weeks after punching a member of the Clippers' staff and many analysts are suggesting the Clippers may be better off without him. Ben Maller thinks that's...
January 26, 2016, 6:43 am
Ben Maller has a plan on how to deal with Popovich's attitude toward the regular season.
January 25, 2016, 6:26 am
Despite outplaying Tom Brady in the AFC Championship Game and advancing to Super Bowl 50, Ben Maller still isn't impressed with the way Peyton Manning is playing.
January 22, 2016, 6:28 am
Clock management has been the Achilles Heel of Andy Reid's coaching career since his early days in Philadelphia, and that issue reared it's ugly head again last Sunday.


text:
Score +136
Thread DetailsLast Edited by tenderidol August 21, 2013 at 05:50 PM
Staples Coupon Thread.
1. What's the Staples app?
This is an app from Staples that provides access to your Staples account, as well as Staples rewards account, and provides some useful tools.
You can read more about it here: Linky [staples.com]
2. How can I get it?
Android version is here: Linky [google.com]
iOS version is here: Linky [apple.com]
Any android phone or iPhone will work. In addition, you can install it on iPod Touch, iPad, Android Tablets, or HP TP running Android.
3. What's "check-in"?
When you are in a Staples store, you can click on the "Check in" button, and once your location is determined by the app, you'll be presented with a confirmation, and a coupon will be issued. The coupons state that they expire in 24-48 hours after they are issued, but in reality they can be used until the "real expiration date" (see WiKi for details). Please note that you do NOT need to sign into your Staples and/or Staples rewards account to receive the check in coupons. Coupons are generated once per device every 24 hours if you check in every 24 hours once the previous coupon has expired. The store makes no difference to the process. Multiple store check-ins in the same 24 hours does not get you any more coupons. You get the same one with the same 16 digit code. Since the device number is stored at a Staples server and coupons are per device, multiple devices will give you unique coupons per device.
4. Do I have to be physically in the store to check in?
Luckily, the answer is no. You can "spoof" your location by using certain apps that trick your phone to report specific coordinates. Depending on the app, you can either enter the coordinates of a Staples store or find it on a map and use that to create check in coupons from home/work.
For Android, Fake GPS [google.com] works great, along with few other examples (e.g., Location Spoofer, etc). For iOS devices, please see the WiKi (you need to jail break your iOS device).
5. Can I keep the coupons beyond the 24-48 hour expiration time frame?
Yes. If you take a screen shot of the coupon, you can keep it and use it later. On some Android phones, as well as iOS devices, pressing down power and home (or power and volume down) buttons simultaneously takes a screen shot. For devices that don't have this "built in", there are 3rd party apps.
6. Are the coupons random?
As of now, they seem to follow a certain sequence as outlined in the Wiki.
7. Can I stack these coupons with other app and/or paper coupons?
The % off coupons stack with $ off coupons. If you have 1 app coupon and 1 paper coupon (in either format), it will work "easier" compared to having 2 app coupons, since you are not supposed to have 2 of them at the same time. You can try printing out some of the app coupons to combine them.
8. Can I obtain any other coupons, in addition to the check in coupons, from the app?
The app generates coupons that can be used in store, online or over the phone. You can log into your Staples Rewards account from the app and access your Coupon Wallet and use whatever coupons you may have in there based on their T&Cs (e.g., in store only, online/phone only, etc). Those coupons have nothing to do with the app; they are under your Staples Rewards account and can be accessed from the web interface using a PC or directly from the mobile app.
6,691 Comments
I just re-installed BlueStacks and the Staples app (version 2.31) and still can't get the latter to generate a coupon. It checks in fine with FakeGPS, but then an error message pops up for the coupon. "We are sorry, but the server returned an error...".
I may try to install it on another computer.
any way to get around it.
any way to get around it.
The two devices I used are devices that I do not reset and have not generated coupons in a while. I'm wondering if that has anything to do with it, i.e., being at the end of the cycle screws something up when the app communicates with the server. Will test on a fresh reset on my spare device as soon as I get the OS coupon in a few days.


text:
Perhaps the FAA should consider hiring China's deputy head of the civil aviation regulator, Yang Guoqing. When passengers get unruly and riot, he places the blame squarely on poor airline customer service.
Backroads of Spain
My favorite times in Spain have been on backcountry drives of discovery. Madrid, Barcelona and Seville are modern, sleek and efficient. The Costa del Sol is packed with beachgoers and high-rises lining endless sand. But only a few kilometers away, around the knoll, down a river, the Old World heart of Spain still beats.
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"Our federal approach to transportation is broken"
America's transportation network is broken. Now what? Transportation Secretary Mary Peters thinks she has the answer. Late yesterday, she unveiled a new plan to "refocus, reform and renew" the national approach to highway and transit systems.
After years of airline subsidies, how about a payback for taxpayers?
Taxpayers have been subsidizing the airline industry since its inception. Now, three non-profit organizations have put together a report that details a litany of airline subsidies from low-cost loans to pension guarantees and offer proposals about how the airline industry can repay taxpayers.
Questions raised by AA's JFK checked-baggage chaos
Airlines are on a slippery slope with baggage fees. Now that it is becoming more commonplace to charge for checked luggage, what is going to happen when something goes wrong?
Pursuing Passengers' Bill of Rights is a waste of time and money
Monday, July 28, was not a fun day to be an airline passenger departing from virtually anywhere in the northeastern U.S. So much so, that some of the long airline delays even made news headlines, as in the case of from JFK to Las Vegas.
Double-booked at the Days Inn
Chan Hoe Yip booked a room in Bakersfield, Calif., and Williams, Ariz., through the Days Inn Web site. Then again, maybe he didn't. The reservation ends us being two nights in Bakersfield and none in Williams, and now Yip is being told there's no refund for the extra night. Is Yip the victim of a bad Web site?
Best price guarantees are just about useless
When an airline or a hotel says they have a "Best Price Guarantee" hold onto your wallet. We have detailed the problems with airline "guarantees" and now new research shows that hotels are failing with their "guarantees" as well.
Is Delta's $50 second-bag-charge a better way?
With the airlines baggage charges in disarray and the major airlines in a rare divergence when it comes to a basic costs, Delta's shocking increase in their 2nd-bag-charge might be a more reasonable path than the American/United/USAirways group with their $15 first-checked-bag charge.


text:
Featuring Hot Club of Cowtown, Songs of the Fall, Caribou Mountain Collective, and The Stanleytones.
Taste goodies from the likes of Adams Mountain Cafe, Mackenzie's Chop House, Margarita at Pine Creek and more.
Wine from distributors as well as local purveyors, and beer from Colorado breweries.
Since its beginnings in the late 1990s, Hot Club of Cowtown's star has continued to rise as its reputation for jaw-dropping virtuosity and unforgettable live shows has become the band's global brand. Lauded for its "down-home melodies and exuberant improvisation" (The Times, London), the Hot Club has always woven a combination of seemingly disparate styles together to its own magical effect, setting up camp "at that crossroads where country meets jazz and chases the blues away" (The Independent), and "conscious always that above all else, the music is for dancing and an old-fashioned good time" (New York Times).
In the digital age we live in, music is still the one thing that can grip and infect us with raw energy and emotional passion that we can't easily find in our modern, static society. Songs of the Fall, comprised of Stetson Adkisson and Cia Cherryholmes, is a Nashville based Americana duo with a love of music and communicating it to people on a very personal, relatable level.
RockyGrass 2014 Band Competition winners The Caribou Mountain Collective formed in the fall of 2012. The original idea of starting a band came about at a pickin' party in Nederland, Colorado. Within weeks the band was already coming to fruition.
Steeped in tradition, The Stanleytones Bluegrass Band was formed in 1999. The band was named after the Stanley Brothers, Ralph and Carter, who played throughout the 50's until Carter's death in 1966. Sticking to a sound reminiscent of the old days and singing around a single mic, their audience will be treated to original songs and timeless classics. Their passion for bluegrass is evident in their sound – hard drivin' and traditional, the way it was meant to be!
3:00 – 3:45
Songs of the Fall
3:55 – 4:40
Caribou Mountain Collective
4:50 – 5:35
5:45 – 6:30
Hot Club of Cowtown
7:00 – 8:30
Caribou Mountain Collective
3:00 - 3:45
4:00 – 4:45
Songs of the Fall
5:00 - 5:45
John Doe
CEO at Crown.io
Is there a need for Business 3.0?
18:00 - 18:45
Integer at eros eu mauris tincidunt eleifend. In hac habitasse platea dictumst. Aliquam vitae quam nec lorem viverra
Eduard Jones
Social Architects, inc
Street art as a new marketing tool
19:00 - 19:45
Integer at eros eu mauris tincidunt eleifend. In hac habitasse platea dictumst. Aliquam vitae quam nec lorem viverra
Clarissa Daniels
Founder of Pear, inc.
Using social services to increse your sales
20:00 - 20:45
Integer at eros eu mauris tincidunt eleifend. In hac habitasse platea dictumst. Aliquam vitae quam nec lorem viverra
Rain or shine, the show goes on. We don't refund tickets for inclement weather.
The Grand Tasting begins at 2:30 and goes as long as there is food available.
Tickets also available for purchase at Rock Ledge Ranch beginning April 24.
3105 Gateway Road
Colorado Springs, Co email@example.com


text:
- An ISBN is the 10 or 13 digit number, usually printed on the back of a book with a bar code, that serves as a unique identifier for the book.
- Searching by ISBN is the best way to search because it will get you the exact title and edition that you need.
- Many professors include the ISBN on their syllabi or in their course management system.
If you don't have the ISBN, try a title or author search.
Title search
- Enter all words in the title you are looking for. The search engine will try to find books that have all the words you entered in the title. Leave out words such as "a," "an," or "the."
- When including edition, use numeric values. For example, "1st edition" instead of "first edition."
Author search
- Enter all or part of the author name you are looking for.
- You do not need to enter a first name, but if there are a lot of books by authors with the same last name, it may help to narrow the results.
- You can enter the name in any order such as "John Smith" or "Smith John." Avoid using a comma since it has a special meaning in the search.
Keyword search
- You can search by keyword but this approach is not recommended as it will likely return a large set of results.
- If you want to search by keyword, try a combination of author and keyword. For example, "Warren Accounting" where "Warren" is the author and "Accounting" is the keyword.
To refine your results, use the filtering/sorting options
- Filter options include product type and discipline area. Sort options include alphabetical sort (ascending or descending) and copyright year (ascending or descending).
AUTHORS: Baxter - ©2006
Cabling infrastructure and networking technologies are the main focus of this book that features just enough applications and access technologies coverage to illustrate the trade-offs between the options. Residential Networks presents a "soup to nuts" examination of home networking, from physical layer transmission issues to different types of networks and present-day applications such as voice telephony, data networking, entertainment networks, and home automation. Expansive cabling coverage addresses such important areas as planning and design, installation, and testing, while networking technologies such as Ethernet, Wi-Fi, and FireWire are also surveyed.


text:
National Crime Victims' Rights Week
April 19-25, 2015
Theme: "Engaging Communities. Empowering Victims"
Theme colors: dark blue and gold
National Crime Victims' Rights Week (NCVRW) is observed each April to promote victims' right and honor crime victims and those who advocate on their behalf. This year's theme "Engaging Communities. Empowering Victims." emphasizes the collective and individual effort of the community to not only help crime victims rebuild their lives but also expand services and reach more victims.
Please join the Mobile County District Attorney's Office, city officials, law enforcement personnel, victim service agencies, crime victims, and community members as we observe National Crime Victims' Rights Week on April 19-25, 2015.
April 19-25, 2015
Student Artwork will be displayed at Bel Air Mall.
Thursday, April 23, 2015
Victims of all types of crime are invited to gather at Cathedral Square from 6:30-7:30pm. A vigil will also be held to remember those who have lost their lives due to crime. Family members of homicide victims are encouraged to bring a picture of their loved one.
Saturday, April 25, 2015
Community resources and victim service agencies will be available at Bel Air Mall from 12:00-2:00pm.
For additional details regarding National Crime Victims' Rights Week, please contact a Victim Service Officer at 251-574-8400.


text:
Freelancee .
Confused, is what I am,
Because You chose mine out of all the other plans.
You picked me up, with no intention of setting me down,
It's funny how we're always walking hand in hand.
I know You would never let me drown,
But I seem to just keep swimming down.
Down, Down, into the tunnel of sin,
But You still always ask if I can let You in.
I open the door and we share many happy moments,
But then he creeps in too,
It's Him, The Opponent.
He brings back those terrible memories of sinful desires that I think I cant resist,
So the Righteous Man walks out with tears on his lids.
I have a periodic moment of joy,
Before my opponent comes again to collect my Due.
Continue Reading »


text:
the hair .... XDD wow
Yeah I'm glad that someone finally notice that!! XD
awww so cute
This is really cute
TV reminds me of Snoopy's chubby brother Olaf.
awwww they're so talented! C:
Every puppy has some sepcial magic! Yeah you're right! TALENTED!!
yes!!!! i already cannot wait for bad little boy to come out.
(i got my friend into marshall lee xD)
(i got my friend into marshall lee xD)
THE PUPPSTERS! Hahah! Really nice job! I love it!
so tan lindos
Aww, this is amazing! I like it so much, awesome job!
> w<
Good job! It's really cute!


text:
Welcome to Cert Kits
Weighing in at under 20 lbs., the WX15AX2 aluminum-cased pump delivers exceptional de-watering performance in a truly lightweight package.
It's an excellent choice for flood control, irrigation, light construction and swimming pool draining.
Other models are available, please call 1-800-345-3036 for more information.
You have no items in your shopping cart.
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Toll Free Phone: 800-345-3036
Outside the US: 843-308-0994
Toll Free Fax: 888-877-6722
Outside the US: 843-308-0995
Office Hours are 9 a.m.-5 p.m. EDT, Monday-Friday


text:
Remember the anomalous Cold Spot, the bizarre, low temperature area spotted in the maps of the Cosmic Microwave Background Radiation, or CMBR for short, the echo the Big Bang which gives us a very high level overview of the structure of our universe? Cosmologists bristled at an anomaly stretching some 1.8 billion light years and seemingly violating what we thought was a universal rule that our cosmos is isotropic and homogeneous, i.e. expanding similarly in every direction and with roughly the same density of galaxies from end to end. And so they analyzed the map using different means and some were able to rule it out as an artifact in the data. Still, the question of whether it was really there never went away because every time you figure out some way of erasing something from your data set because it seems weird, you haven't gotten rid of it, and sure enough, it appeared yet again on Planck's CMBR map and was now stuck for good. This left scientists with a dilemma. Why was there a cold spot so large and so cold?
Well, the answer to that is a distinct lack of galaxies which makes the Cold Spot about 20% less dense than the typical patch of the sky. This has of course given pop sci headline writers cover to call it The Great Void, a grandiose moniker which overstates the shortfalls in density for this area of the universe, and when billed as the answer to why The Cold Spot is so cold, oversells the effect it has on the background temperature in this patch of the sky. In fact, just 10% of the temperature drop can be linked back to the lack of density while the rest is still very much open to debate. To give credit where credit is due, virtually all iterations of this story did mention this somewhere along the line, but since it's a fact that people usually read just the first half of most articles, I thought I'd put my disclaimers and conditionals in the top half of my post, rather than towards the bottom as the articles in question because my feeling is that a lot of people will be convinced that the Cold Spot mystery is solved when in fact, it actually deepened.
While you can find anything in the CMBR you want if you stare hard enough, seeing the spot in both the WMAP and Planck results shows that it's a persistent feature, unlike Roger Penrose's proposed echoes of past Big Bangs, a hypothesis he was never sufficiently able to explain, and evidence for which strongly depends on how you process the data. And while it's not really the biggest structure in the known cosmos since that title belongs to a group of quasars more than twice as large if we get nitpicky, as much of the media claims, it's still a really important feature. When combined with some other weird observations, it hints at something under the surface of our cosmological framework. If you take the so-called Dark Flow discovered several years ago, and add it to the Cold Spot, as well as galactic superclusters which challenge the cosmological principle, one of the odd but still plausible explanations that ties all of them together, is that our universe is being bumped by other universes, essentially giving us evidence of a multiverse we think should exist to explain inflation and making the Cold Spot a cosmological bruise.
Of course now the big question is how we can validate that hypothesis because we steer right into the horizon problem, which puts other universes out of our reach and any attempt to even create a census of what occupies the multiverse is fraught with problems for which we have no existing solutions. Frustratingly, if the colliding universe explanation is in fact the right one, we'll have to hold off on giving out the Nobel Prize for it because it would remain just out of reach to our instruments, tantalizing us through anomalous patterns in the CMBR and mysterious flows hinting at bizarre mechanics just beneath the fabric of space and time we can observe, but not study in enough depth to come to a solid conclusion. Even a few years ago, we would've simply defaulted to Occam's Razor and ruled what we're seeing as artifacts from data processing, but the fact that the anomalies keep showing up pretty much rules out that explanation. Now some of our more exotic cosmological theories may well have to be put to the test.
See: Szapudi, et. al. (2015). Detection of a supervoid aligned with the cold spot of the cosmic microwave background MNRAS, 450 (1), 288-294 DOI: 10.1093/mnras/stv488


text:
British English: /ɪnˈspɛkʃn/ American English: /ɪnˈspɛkʃ(ə)n/
Translation of inspection in German:
- Überprüfung Fem.(of premises) Kontrolle Fem.Inspektion Fem.tour of inspectionInspektionsrunde Fem.(on foot also) Inspektionsgang Mask. (of durch)present/show/submit something for inspectionetwas zur Prüfung vorlegenhold out your hands for inspectionzeigt eure Hände voron [closer] inspectionbei näherer Betrachtung od. Prüfung
Definition of inspection in:
- British & World English dictionary
- US English dictionary
- English synonyms
- US English synonyms
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text:
Night Rain by MeganeRidWatch
©2013-2016 MeganeRid
The spec ops dropships going through the rainstorm, being deployed somewhere.
Hope you like
Done with Photoshop
Hope you like
Done with Photoshop
I'd say that's inspired by the Sturm
the AFF Sturm? well I did the concept afterall lol
yes, already knew that But I was sure you did a heavy version as well looking more like this one. But my memory seems a bit faulty, 'cause I couldn't find the concept.
This is simply amazing..
I am writing a Mecha Fiction right now, and your artwork is inspiring me! I posted this on my forum, with your DA name and said for people to check your artwork out!
Qereennnn awesomeee kakaaak...
Aww yeah! Those spec ops are gonna be in one heck of a party.
Brilliantly done
Eeww... It rains even on this site! It's really awesome but I'd hate it if this kind of effects were used in a movie like Blade Runner.
This is absolutely amazing! I love the amount of detail put into it.
Reminds me of Blade Runner! ...... and I realize everyone before me has said that haha. But really, very cool. Saved to my phone for a wallpaper!
Really stellar piece. I love the amount of detail that you've put into this! The city backdrop is stunning and I love the design of your drop ships. Very well done!
Why are the buildings crooked? That's ruins it for me.
Great work !!
So Blade-Runnerish
The future is coming soon...
wow this is really awesome
what a firework of effects
OMG! This is so amazing! I love how much detail you put into it!
Flagged as Spam
amazingly atmospheric *o*
love it! reminds me of blade runner
Cracking work
Awesome lighting! Great work with the scattering of light.
Wonderful atmosphere, and the rain coming off the ships is well done.
I don't have the word to say how i love it..
New background, oh yeah!
vertical background?
yeah, I keep it centered and fit to screen (but hey, who says you can build sideways and fly up XD )
Very amazing! I'm stunned.
These rain drops crushing on that dropship... wow...just wow! and that fire coming from engines is looks almost like real.
I like the dropship desing and that apc's they're carrying.
And the backgroung is very solid piece of work.
These rain drops crushing on that dropship... wow...just wow! and that fire coming from engines is looks almost like real.
I like the dropship desing and that apc's they're carrying.
And the backgroung is very solid piece of work.
Reminds me of Blade Runner
Wow, dari thumbnail tak kirain 3d


text:
Fading portrait by HanaYubikiriWatch
©2011-2016 HanaYubikiri
Pls.... hold my feels... I cant x.x
So beautiful ;___; <3
Thank you for this work!
aww its a sweet dream- i wish it happened
I love this! This is how it should've ended
At most...they'll be happy together in another realm.
Aww.... If only it would be like this... T_T
è una tavola dolcissima, disegnata e colorata davvero benissimo!!!!
che bei colori!
TT_TT.....epic......just....I have no words for this.
Amikor először megláttam ezt, ki kellett pislognom a szememből a könnyeket! xD Annyira... tetszik : 'D
this is more like, what it should have been. atleast they're together in heaven then
That is such a cute and heartwarming scene.
Nice job.
Nice job.
love this!!! great job!!!
awww thats so cute!!
This is what should have happened, but Sepheroth had other plans.
This pretty much sums it up:
Wish it could be like this... It would make so many people happy!
so sweet this would be a much better ending and a much happier ending