text:
This page has been archived and commenting is disabled.
Guest Post: Take It To The Bank
Submitted by Jim Quinn of The Burning Platform blog,
Reports like the recent one from SNL Financial – Branch Networks Continue to Shrink really get my goat. As I travel the increasingly vacant highways of Montgomery County, PA I'm keenly aware of my surroundings. If I were a foreigner visiting for the first time, I'd think Space Available was the hot new retailer in the country. I've detailed the slow disintegration of our suburban sprawl paradise in previous articles:
Are you Seeing What I'm Seeing?
More than 30 Blocks of Grey and Decay
Extend & Pretend Coming to an End
Thousands of Space Available signs dot the bleak landscape, as office buildings, strip malls, and industrial complexes wither and die. Gas stations are shuttered on a daily basis as the ongoing depression results in less miles being driven by unemployed and underemployed suburbanites. At least the Chinese "Space Available" sign manufacturers are doing well. The only buildings doing brisk business are the food banks and homeless shelters.
The sad part is that I live in a relatively prosperous county with a low level of SNAP recipients and primarily occupied by a white collar college educated populace. If the clear downward spiral in my upper middle class county is an indication of our country's path, the less well-off counties across the land must be in deep trouble.
While hundreds of thousands of square feet of retail, restaurant, office and industrial space have been vacated in the last six years, the only entities expanding in my area have been banks, drug stores, municipal buildings and healthcare facilities. I have been flabbergasted by what I've viewed as a complete waste of resources to create facilities that weren't needed and wouldn't be utilized. I have seven drug stores within five miles of my house. I have ten bank branches within five miles of my house. While two perfectly fine older hospitals in Norristown were abandoned, a brand new $300 million super deluxe, glass encased Einstein Hospital palace was built three miles away by a barely above junk bond status non-profit institution. None of this makes sense in a contracting economy.
This is another classic case of mal-investment spurred by the Federal Reserve easy money policies, zero interest rates, and QEternity. Cheap money leads to bad investments. I'm all for competition between drug store chains and banks. CVS, Walgreens, and Rite Aid are the three big chains in the country. I have my pick of multiple stores close to my house. There are clearly too many stores competing for a dwindling number of customers, with a dwindling supply of disposable income. The only reason Rite Aid is still in the picture is the easy money policies of the Federal Reserve. They have been teetering on the verge of bankruptcy for the last five years, but continue to get cheap financing from the Wall Street cabal, who would rather pretend they will get paid, than write-off the bad debt. Who in their right mind would continue to lend money to a company with $6 billion in debt, NEGATIVE $2.3 billion of equity, and losses exceeding $2 billion since 2008? They are the poster child for badly run businesses that over expanded, took on too much debt and should be liquidated. There are over 4,600 zombie Rite Aid stores littering the countryside waiting to be put out of their misery.
Rite Aid will never repay the $6 billion of debt. They know it. Their auditors know it. Their Wall Street lenders know it. The Federal Reserve Bank regulators know it. Anyone with a functioning brain knows it. Tune in to CNBC for those who are paid to keep clueless investors from knowing it. Interest rates that actually reflected risk and weren't manipulated to an artificially low level by the Federal Reserve would make financing for a dog like Rite Aid a non-starter. Creative destruction would be allowed to work its magic, with winners separated from losers. Instead Rite Aid continues as a zombie entity, barely surviving for now. This exact scenario applies to J.C. Penney, RadioShack, Sears and a myriad of other dead retailers walking. Rather than suffering the consequences of appalling management judgment, dreadful strategic decisions, and reckless financial gambles, they have been allowed to remain on life support compliments of Bernanke, his Wall Street chiefs, and the American taxpayer.
In a truly free, non-manipulated market the weak would be culled, new dynamic competitors would fill the void, and consumers would benefit. Extending debt payment schedules of zombie entities and pretending you will get paid has been the mantra of the insolvent zombie Wall Street banks since 2009. The Federal Reserve is responsible for zombifying the entire country. And it wasn't a mistake. It was a choice made by those in power in order to maintain the status quo. The fateful day in March 2009 when the pencil pushing lightweight accountants at the FASB rescinded mark to market accounting rules gave birth to zombie nation. And not coincidently, marked the bottom for the stock market. Wall Street banks were free to fabricate their earnings, pretend they didn't have hundreds of billions in bad loans on their books, and extend the terms of commercial real estate loans that were in default. With their taxpayer funded TARP ransom, ability to borrow at 0% from Uncle Ben, and the $3 trillion of QE cocaine snorted up their noses in the last four years, the mal-investment, fraud, and idiocy of the Wall Street drug addicts has reached a crescendo.
The mal-investment by zombie drug store chains has only been exceeded by the foolish, egocentric, insane bank branch expansion by the Too Big To Trust Wall Street CEOs. In the last ten years dozens of bank branches have been built in the vicinity of my house and across the state of Pennsylvania. These gleaming glass TARP palaces are on virtually every other street corner across Montgomery County. Stunning, glittery, colorful branches stuffed with bank employees pretending to loan money to non-existent customers. They have become nothing but a high priced marketing billboard with an ATM attached. By 2010, the number of bank branches in this country had reached almost 100,000. The vast majority are run by the usual insolvent suspects:
Wells Fargo – 6,500
J.P. Morgan – 6,000
Bank of America – 5,700
The top ten biggest banks, in addition to holding the vast majority of deposits, mortgages and credit card accounts, operate 33% of all the bank branches in the country. The very same banks that have paid out $66 billion in criminal settlement charges over the last three years and have incurred $103 billion of legal fees to defend themselves against the thousands of actions brought by victims for their criminal misdeeds, decided it was a wise decision to open new bank branches from 2007 through 2010. Only an Ivy League educated MBA could possibly think this was a good idea.
It was almost as if the CEO's of the biggest Wall Street banks didn't care about pissing away the $2.5 million to build the average 3,500 square foot bank branch, which would require $30 million of deposits to breakeven. This level of deposits isn't easy to achieve when your customers are unemployed due to your bank destroying the American economy, broke due to their real household income declining by 10% over the past fourteen years, and your bank paying them .15% on their deposits. It also probably doesn't help when you charge them $3 every time they withdraw their own money from your bank and you charge them $25 when their bank balance falls below $1,000 because they just got laid off from Merck on Christmas Eve. It is now estimated that one-third of all bank branches in the country lose money. Who can afford to run something that consistently losses money, other than our government? Wall Street bankers can when the taxpayer is footing the bill and Bernanke/Yellen subsidizes their mal-investment by lending to them at 0%, providing them $2.5 billion per day of QE play money, and paying them $5 billion per year in interest to park the excess reserves that aren't getting leant to small businesses and consumers at their thousands of gleaming bank branches.
Hasn't one of the thousands of highly educated MBA vice presidents occupying offices at the Too Big To Control Wall Street banks explained to Stumpf, Dimon and Monyihan that bricks and mortar are dead? A new invention called the internet has made in-person banking virtually obsolete. Why does anyone need to go into a bank branch in this electronic age? I've been in my credit union branch five times in the last ten years, twice for a refinance closing on my home and a couple times to get a certified check. With ATM machines, direct deposit and on-line bill paying, why would the country need 100,000 physical bank locations? I pay 90% of my bills on-line. If I need cash, I hit the ATM at Wawa, where there are no ATM fees (my credit union doesn't charge me to get my own money). The only people who go into bank branches on a regular basis are old fogeys that don't trust that new-fangled internet. The older generations are dying out and the millennial generation has no need for bank branches. Their iGadgets function as their bank connection. Plus, since they don't have jobs or money, a bank account at the local bank branch of J.P. Morgan seems a bit trite.
The writing had been on the wall for a long time, but the reckless bank executives continued to build branches in an ego driven desire to outdo their equally irresponsible competitor bank executives. Now the race is on to see which banks can close the most branches. Bank consultant Jim Adkins succinctly sums up the pure idiocy of physical bank branches:
"There's almost nobody in the branches. You could shoot water balloons all over the place and not hit anybody."
It seems my humble state of Pennsylvania leads the pack in closing branches in the past year, with 149 abandoned and only 43 opened. Only two states in the entire country had more branch openings than closings.
After shuttering 2,267 branches in 2012, the industry is on track to closing another 2,500 in 2013. Shockingly, the leader of the Wall Street zombie apocalypse, Bank of America, led the pack in bank branch closings with 194 in the last year. Staying true to his hubristic arrogance, Jamie Dimon actually opened 62 more branches than he closed in the last year, despite his upstanding institution having to pay tens of billions in fines, settlements and pay-offs for their criminal transgressions.
There are now 93,000 bank branches remaining in this country, and one third of them don't generate a profit. That percentage will grow as the older generations rapidly die out and are replaced by the techno-narcissists who never leave their family rooms. Online banking already accounts for 53% of banking transactions, compared with 14% for in-branch visits. Younger bank customers increasingly prefer online and mobile banking, as advancing technology enables them to make remote deposits, shop for loans and manage accounts more efficiently from their desktops or smartphones. This trend will only accelerate in the years to come.
Banking industry profits reached a record level of $141 billion in 2012 as more vacancy signs appeared on Main Street. Now that the Wall Street cabal have syphoned every ounce of blood from their customers/victims through ATM fees, overdraft fees, minimum balance fees, credit card fees, late payment fees, and paying no interest on deposits, they are forced to focus on the $300,000 average loss per bank branch. QE and ZIRP might not last forever. Yeah right. AlixPartners, a New York consulting firm, expects the number of bank branches to drop to 80,000 over the next decade. They are wrong. They have failed to take into account the lemming like behavior of Wall Street banks. As their accounting gimmicks to generate fake profits dissipate, the increasingly desperate insolvent zombie banks will rapidly vacate their prime corner locations in droves. With approximately 30,000 locations already generating losses, the Wall Street MBAs will be closing branches quicker than you can say "mortgage fraud". There will be less than 70,000 branches within the next five years. That means another 20,000 to 30,000 Space Available signs going up on Main Street. That means another 200,000 to 300,000 neighbors without jobs. But don't worry about Jamie Dimon and the rest of the Wall Street bankers. They'll be just fine. In addition to being endlessly fed by the Fed, they'll get creative and charge their customers a new bank branch access fee of $50 for the privilege of entering one of their few remaining outlets. By now we should know how cash flows to Main Street in this corporate fascist paradise.
Do your part to starve the beast. Move your bank accounts to a local credit union. Don't support criminals.
- 24179 reads
- Printer-friendly version
- Send to friend
- advertisements -
rite aid? 6 billion, thats in between Bernankes couch cushions...chump change
Man, I feel so bad for these guys. I think I'll go open an account at my local Chase branch. They seem to be opening up everywhere and wiill need my support to survive. Thank you for alterting me to this issue so that I can help.
I live in a suburb of about 10,000. Within 1.25 miles of our place, there are SIX banks, one more U/C. Just two drug stores though.
I'll bet those drug stores would do much better business if they ignored that "prescription necessary" stuff...
Of course there's more drug stores.
The boomers are going to need easy access to their prescription drugs and overpriced crap between the drug counter and the exit door.
After picking up your drugs you'll want to make sure you keep some poor chinese kid employed on your way out the door.
Nobody held a gun to your head and told you to "sign this mortgage" or "open a bank account"...
Seriously, you all that bitch about fraudulant mortgages are just as much as a part of the problem as the banks/gov'ment are...
Oh yea, writer of article failed to mention any of the enableing tactics brought on by the gov'ment...
As if they had nothing to do with this... >_>
This is about the hollowing out of America. The death of the middle class.
America is now about finance and profit from finance flow to the 1%. "For Lease" signs may be everywhere but the elite class is richer than ever.The Destruction Of America's Middle Class (In Under Seven Minutes)
I don't entirely disagree, but I've seen many upper middle income families make some VERY stupid decisions. Everyone wanted to be the big swinging dick on the block and it came back to haunt them. No, you shouldn't have had an Escalade, a Mercedes for mommy, and a 5500 ft² home with your middle management income. And if you made it this far in life and didn't figure this out, so sorry. For your kids sake I hope you can pull it together. I'm not Darwinian and think he and his cousin Galton were eugenicist assholes, but for fucks sake grow up and think! I'm tired of losing neighbors who throw good barbeques.
Downvoted you for the complete misunderstanding of what "Darwinian" is. Common fail.
You guys are missing the big opportunity: combined drug stores and bank branches. You borrow at the bank and buy the drugs.
You should see the new Chase that just opened...it is in a strip mall that has very limited parking. They open this Chase Bank that looks like a dance club rather than a bank...neon blue lights, dark glass, backlit signs......and then they take up 30% of the entire strip malls parking by putting two of those detached covered drive through ATM's. We have banks opening up EVERYWHERE...all new construction. Banking must be good....
Just wait until Chase gets the balls to put Bitcoin ATMs in their branches. Apeshit withing 2 months. All they have to do is put a sign over it that says 'Alternate Diversified Investment ATM'. Flocks of sea gulls and sheep will arrive for the new opportunity. I'm desperately trying to get all the free bitcoins I can before that happens at http://freebitco.in/?r=25727 . If anyone knows a place where you can get them faster, please let me know.
Don't forget to wash your hands before you go ... they'll need to be clean for the palm scan.
We had a local restaurant, family owned, great food...order a salad and you'd get enough to feed a cow. They were in business for over twenty years.
Chase Bank bought their mortgage, closed them and announced a new branch location on the property. That was four years ago. It's still an empty restaurant with a temporary chain link fence around it.
Chase bank took down their signs. Opened a branch inside the Stater Brothers across the street.
It was a great restaurant.
Sounds like that nice family was tired of busting their asses 24x7 in the restaurant business and now they can take it easy. Hard to blame them for selling.
Sounds like as nice as it was that they couldn't or wouldn't pay their note... Everyone can make a great restaurant if actually making a profit is out of the question.
He didn't say they bought the business, he said they bought the mortgage. Nearly every mortgage has terms where the note holder can demand immediate payment or foreclose. That isn't generally done, but they can, and there's no recourse. So even if that family wanted to stay in business at that location, if the bank demanded payment on the note and they couldn't come up with the full amount of the balance, the bank gets the property and they are free to do as they please.
Yes, acceleration clauses are common as are choice of remedy clauses... however, it first requires a default from the mortgagor...
Chase bought the note. The location the of the restaurant had become prime property over the years. Where it once sat alone on a corner with not much around; over the last five years a huge shopping complex was built, along with theater, and other strip mall stuff across one street. And, the other direction, across the highway, was another big complex.
What had been a lonely place known to locals was in the center of commerce. Chase bought the note to put a branch on the corner. It was announced, big signs where put up, the family shared their tale with many of us on their closing day.
Now behind it and to the side have been built newer strip malls. But the property is still surrounded with temporary chain link. Chase wanted to be the first branch in the nieghborhood, but they got stopped somehow. But not before killing a thriving restaurant.
banks can offer any interest rate they want to savers. credit unions also do not offer interest. but yes, credit unions are a better move. in LESS THAN a 3 block radius here in Manhattan there are THREE Chase banks; that's 3 banks taking up major ultra-prime ground floor property in one of the most expensive zip codes in the world: but they don't really pay for their leases now do they...
Thank you. This post made things very clear.
thats in between Bernankes couch cushions
When you say 'in between Bernanke's couch cushions', you're talking about furniture, right? Otherwise, you have crossed into a place that I don't want to go...
Ass pennies!
i love jim quinn. nasty, pissed off, hyper observant and right on the money on this stuff. jim, they have to keep the zombie retailers open so nobody realizes all that's left is walmart. and common sense would tell you a low EBT area would be doing better than a high one. not in obama's america. here in ft. lauderdale we have the space available signs right down to the shuttered shell stations. but we've got EBT, baby, so we've got an endless parade of trayvons in escalades and bmw's. no job, no problem. you've got the card, and it ain't american express any longer.
The Obungler Economy!
Nature. Winning.
As someone who has for the last 20 years lived in Florida or Coastal Georgia.....I've seen first hand, year over year the increases, not only of these zombie properties.....but the increase in "This space available" on billboards along I-95 from South Carolina to Miami.
Yeah.....the economy is recovering. LOL !!
""This space available"
If you build it, they wont come??
They'll come, but not the good kind like you want.
PA doesn't have any good college football teams anymore, either...
I blocked CNBC from my browser and don't watch their interviews if they are posted on ZH. But I'll read the summary.
Lots of firewood in case the citizens of this great nation need to stay warm through the winter.
Can't wait till they convert the Wall Marts into local dumps.
Convert? They are dumps. The only difference is that the trash has price tags.
Close... to be fair, the items are probably a month away from breaking through normal use... so, it's more like a sorted, categorized, and shelved dump where the best items have been sifted through and the worst discarded (left off the shelves), unless the broken items have been returned, and then they're probably first on the shelf.... made incredibly obvious from the stickers and/or open seals.
Jim, can you say "anger management"?
I agree with you 100%; however, if there weren't any more brick and mortar branches, then what would I rob?
"...same stuff..."
Your level of 9-11 Ignorance is multidimensional and diverse.
The stench your 9-11 Ignorance has settled like toxic smog over all your writing, as you chose comforting ignorance over disconcerting knowledge about 9-11 Truth.
Like most other highly educated wannabe members, who constitute the ruling class of the United States of Assassination, you purposefully ignore 9-11 Scientific Facts and 9-11 Truth because the retention and enhancement of your ego is dependent upon not understanding what you clearly have the knowledge to understand.
Quinn...I've been calling you out for years.
You are a servile self-seeker who attempts to win favor by flattering people.
Hey!!! ... why refuse to get in the 9/11Fight Club ring here at ZH.
Hide in your little blog populated by other sycophants.
Without a delete button ... a terrified little PUSSY.
Live in fear, write about doom and gloom, social frauds, economic myths, political fads, and racial fallacies.
Of science, you know little or nothing.
You know David, I think you should leave Mr. Quinn be. If he does not understand physics, why should you care? You and he both know that when someone is reduced to ad hominem attacks rather than fact based arguments then that person has lost the argument.
I don't miss going into Wells Fargo. They would always be right in your face trying to sell you "bill-pay" and open a "savings account" or fundamentally "borrow more money". I pay bill ALL my bills online already, I don't want to lend them money at their proposed savings rate, and I do not want anymore debt. However, I do appreciate they're prevalence of ATMs.
Also, WRT government pork projects that don't increase productivity or efficiency: driving on I35, I have noticed that there are stretches of road with "guard-wire" rails and emergency/police u-turn connections being paved. I can't think of how that improves anything: I can't drive faster and the road cannot hold more cars. I don't see these wires preventing a out-of-control semi from entering an oncoming lane. So what has adding accomplished?- temporarily employing a construction worker?
Short-sightedness abound... This will not end well.
everytime i see the wells fargo signs they just scream out for a little banksy touch of a hammer and scythe. matches the color scheme perfectly. c'mon stencil commrades!
" So what has adding accomplished?"
It's herd control when TSHTF. Might want to consider carrying some bolt cutters in your vehicle.
Bank tellers scare the shit out of me. Let me explain.
They are paid little, have little education and quite often are of the 'Shaniqua' variety. They are then pushed to 'sell' additional 'services.' They depend on the commissions from these 'sales' and their job depends on hitting certain 'performance' targets. So it is easy to alienate one of them and have them fill out a form informing on you and your transactions to the feds. (Look it up.) And with each bank and each branch expected to show a certain level of 'compliance,' well, let's just say you may one day find your account frozen 'for investigative purposes.'
At my branch there is virtually a new teller every week or two, so I am ALWAYS on smooze-mode with them, like I live in East Germany, which I do in a sense--"Land of the free, home of the..." LOL
"Is it time for the guillotines yet?!
Do you think someone who gets paid minimum wage is going to give a shit enough to fill out a suspicious activity report on you? Further, if you see the same people in the bank each week you visit and actually develop a relationship with them, do you think that they're going to fill out a report? They're going to stay late that night to report you because they can't fill it out at the time due to the 400 people in line behind you?
The bank's software flags suspicious activity... it's automated... [e.g. if you use multiple transactions of lower than $10k]... and reviewed periodically by upper level management... which is then fed higher up the regulatory chain. Granted, they'll want a few human generated reports to show compliance/kiss the ring, but they're for show and really don't amount to a hill of beans unless a reviewer wants to make an example out of you.
Jim, my PA, friend, we're tapped out. Doesn't surprise me that PA is leading the nation in openings vs. closings of bank branches.
Still, based on your thesis, this should be a GOOD thing. Fewer branches to service fewer customers.
You might want to go back and look at payday lenders and check cashing stores. I suspect you will find an inverse correlation to bank branches.
What I'm seeing down in the Sunshine state is more and more Dollar General, Dollar Tree, and cheap auto parts stores opening up.
And, for one small town that I live in they do seem to have a shiite load of bank branches and credit unions for a sparsely populated county.
Don't poo-poo those cheap auto parts stores. You're gonna need them to keep your old auto running - 'cause a new car is gonna be out of the question ... and why would you even want one?
Instead, buy an old pre-'04 car or truck and fix it up. Preferably something pre-90's - that doesn't record/report your every move.
Everyone is tapped out. PA's high number has probably more to do with declining pop in the western part and banks making many acquistions throughout the state
Everyone is tapped out. PA's high number has probably more to do with declining pop in the western part and banks making many acquistions throughout the state
"as the older generations rapidly die out"
Not so fast there, I am in no hurry to go.
Unfortunately, there are quite a few Space Available signs out there. But as someone familiar with the sign industry I can assure you those signs are made in America, generally with American materials, and installed by American labor. Most of these sign companies range from small locally owned companies to larger regional companies. Also, the numbers of these signs are hardly enough to offset the revenues and profits generated for these local employers by supplyingthe signage needs of growing businesses in a healthy economy. Most of these sign companies are struggling to keep skilled and unskilled labor employed and return a fair profit, just like most businesses I would say.
Staying true to his hubristic arrogance, Jamie Dimon actually opened 62 more branches than he closed in the last year, despite his upstanding institution having to pay tens of billions in fines, settlements and pay-offs for their criminal transgressions.
Actually. the only reason JPM opened more branches than they closed is because they administer the EBT cards.
Title Loan businesses are flourishing; payday loans too. We are fucked. Just received the FIFTH offer to buy our house. Everyone loves it. Problem is that no one can secure a loan for it.
IMHO we hit peak consumption back in the 90's. Gonna be a lot more vacant store fronts when anchors go tits up - Marshall's, Sears, JCP. Only the top tier malls will thrive - everything else goes ghetto.
Exactly. QE can't hide the ball too long... and, as a result, we're witnessing a pretty punitive flight to quality rather than a broad based decline/universal step down in prices. Those folks who see the train a commin' have been able to buy quality properties for approximately the same cost per sq. ft as the stuff that's going to get monkey hammered as we continue in the flight to quality.
Add Best Buy to the list.
Why that stock has ramped is beyond me; other than speculative chicanery - the online deals are so much better and tax free from places like Newegg and Tiger Direct.
.gov better increase the Food Stamp/EBT monthly allotment or WalMart will be on the same path.
We're nigh for another turning, can you feel it? I can.
I feel it.
Oh yeah I can feel it.
When I go back to Kentucky to visit my Sis I like to look around their little town - Winchester. The old little strip mall from the 70's is all shut down except for some Mexi food store, laundry mat - super low end - shady doped up locals, falling down mostly.
When I was a kid it was a big deal to go there - hobby shop, gun store, crafts, books - the usual mix. All individual small businesses.
Now they have a half dozen big box shit stores who got gravey train tax breaks and pay minimum wage to locals who are 90% on the dole.
Only jobs around around are the U K, growing dope and moonshin'.
But that little strip mall and a grocery was all that town ever needed.
And this has been repeated in every BugTussle dog patch in MeriKca.
I remember that strip mall. Micky d's was there (or near it). We used to stop in there to or from the lake. It used to be very busy. A metapho for the rest of the country...
Foleys Toast
JCPenny Toast Soon
Marshall Fields= Toast
Circuit City= Toast
Montgomery Wards = Toast
Rite Aid= Soon Toast
Sears Toast Soon (According to my warranty work handyman)
> Soon Toast
... don't worry, it will all soon end
it is all shallow and pretend ...
Crack of Doom
At the peak of the real estate boom, people were crowing that they weren't making any more real estate. Apparently, the Fed even found out a way to do that. Addition by subtraction (or is that contraction?).
That's just the stupid nonsense that those people say in order to get you to buy. It's all bs and not even real smart bs.
Yes, I know. I would always come back with the fact that you could tear down a block of 6 or 8 houses and put up condo towers with 20, 30 or more units. That usually ended the debate
And Rite Aid (RAD) stock price is at multi-year highs. Go figure!
don't worry about rad execs, they got plenty.
All Joking Aside< Iclosed all my trades for loses. Something feels wrong!
F/X is stuck in Gumby Land!
I need to recheck to overnight lending markets.
BTC passed $600 while Taylor sleeps...
Like that bullshit isn't a bubble.
Bitcoin.....LOL !!! Just about the DUMBEST thing humankind has pulled off in quite some time. Like perhaps.....Tulip Mania in the 1600's. At least after the crash of Tulip Mania we still had a REAL physical garden of flowers to enjoy.
I rather see a mania involving Magic The Gathering cards becoming currency. After all.....after that INEVITABLE crash you would still have some incredible fantasy art AND be able to play the game.
It hasn't been "upper middle class county" in a long time, if it ever was.
Yet thru all this, everywhere you go you see wetback Mexicans with their anchor babies who seem to be working!
think they buy those $50,000 pickups working? think again
So, selling/moving heroin isn't work?
Wow, great report with lots of disturbing data, like all those bank branch closings. I'm wondering if a lack of interest for the depositors is why so many are closing. It's as if banking is changing, from paying interest worth mentioning to depositors, to simply taking the easy printed stuff Helicopter Ben hands them.
Speaking of multiple branches. In our area there are 3 car part stores within 50 yards of each other. You can stand in between them, clearly read their signs and then in quick order do some comparison shopping. But it's just a little community so it's obvious one or more will have to bow out at some point. That is if Wall St. doesn't hold their hand like Rite Aid.
Rite Aid use to be in the same mini mall as Safeway in our area, then decided to build their own building on an adjacent corner. What was wrong with where they were before. Surely everybody in our area knew where it was. Why did it need to spend so much to have it's own building in a prominent location? It seems like wasted money, which is in part why they are so far in debt.
you nailed it without knowing it. if your primary business is selling packaged debt to the fed (gs, jpm, ms, etc.), you need to create lots of it.
Funny, because Montcomery County is one of the wealthiest in the state, or at least it use to be. Bryn Mawr, Villinova, Wayne, Gladwyn, Paoli etc.
Went into a Chase branch to cash one of their MO's from a transaction, the interior had some offices and 3 'kiosks' in the middle. I was approached by a woman who asked how she could help, stated I needed to cash a MO, and she preceded to one of the kiosks, started entering some info on a screen then scanned the MO. She then asked for ID and a credit card. I asked why the CC and she said as a form of ID. I said you can verify my DL but I'm not giving you a CC. She asked me to remove my DL from my wallet, took it, and then scanned it via the kiosk. Hmm. She again asked for a CC and I said no way, either cash the MO now or I'm off to another branch. She excused herself, went into an office, returned in a few minutes, entered some more info on a screen and then pulled open a drawer on the front of the kiosk which was full of bills. I counted the money, said Thanks, and left. Bizarre. I have a feeling next time I look in there, all the people will be gone and there will only be the kiosks...
Thrift shops, slop houses ( moonshine blues bars ) and knocking shops. Opium,err crack houses and religous centres.
Ooh how i ache for the return of the good old days.
Jim Quinn is a narcissistic little accountant who writes some really good stuff but is clueless as to the one major Constitutional disaster that dominates everything else (by the way, he sends his kids to that child sex coddler Penn State, while at the same time railing about the endowments of large Universities-- hows that for willful blindness?). Any disagreement with the little egomaniac accountant brings a barage of insult on that blog, and I was banned there for trying to open his eyes to the REAL Constitutional disaster that has voided all US Citizen sovereignty.
Barack Obama is not a "bad" or "clueless" POTUS. He is an actual domestic enemy of the US. He was put in place specifically to void YOUR SOVEREIGNTY Quinn, since he is not a natural born Citizen, eligible for POTUS. Obama is not a "bad" POTUS, he is the worst thing that ever happened to America-- he represents the end of America. When the POTUS, the executor of the laws, is an illegal entity, then there is no law Quinn, you coward. You refuse to tell the real truth, or even know the truth--- that there is no law because it has been voided by an illegal POTUS. Thus the FASB Mark to Fantasy, Penn State gets a slap on the wrist, no banker goes to jail, and simply pay protection money, mortgage fraud is ignored, Trillions are given away to foreign banks, NDAA, Obamacare etc, etc.
Quinn ignores 911, Mortgage fraud, multiple false flag "shootings," and ineligibility of the POTUS because he is a near sighted little accountant prick who can't see the forest for the trees.
I'm not saying you're wrong, but the way you present this information makes you come off as a moonbat. You realize that, right?
Rahm is trying to chase check into cash places out of Chicago. Maybe he should add fiat banks to the targets.
Funny that it was the retailers who sourced cheap product from Asia and pushed domestic manufacturing offshore and they are now at the end of that cycle having transferred real incomes from customers to rentiers and now dependent on wholesale credit to stay afloat as retail borrowers head for cover.
Economics is big on Cycles and it is amazing how few of the Ruling Elites understand it thinking they have a right to an Annuity Income Stream because they pay themselves so much they believe themselves immortal.
Human Existence is about Decay and that is what the West now experiences because it is harvesting each sign of Renewal to consume like locusts
think that's funny, wait until real estate resets and all the little brownshirts that have spent the last 7-8 years loading jews into the boxcars (just following orders) for 150 grand a year find out their skill set is really worth 12. BUT YOU PROMISED I COULD RETIRE AT 35 AND GET A HALF MILLION DOLLAR PENSION!! YOU PROMISED!@@
At one time, Norristown produced cigars, tacks, wire, screws, boilers, bolts, silos, tanks, iron, hosiery, knitting machines, underwear, shirts, lumber and milling machinery, paper boxes, rugs and carpets, as well as being a great producer of agricultural produce.
Now, it survives on selling psychotropic meds to to debt slaves, who live in the mcmansions that covered productive farm land.
Twenty years ago, I paddled a canoe across North America, following the path of the Lewis and Clarke expedition. What I saw convinced me that there was no future in the USA and I emigrated. Now, one would need to be blind not to see it.
You need to be careful about your own confirmation bias, I suspect. The US can re-invent itself and its culture, but those things take time, generations, usually.
Thank you, I am generally aware of my bias, which I am in the habit of challenging.
The US always has the poiential to reinvent itself in, as you say, multiple generations. It will not reinvent, until it hits bottom, which also may take generations. I am now 70 and am not too concerned with future possibilities.
"The only people who go into bank branches on a regular basis are old fogeys that don't trust that new-fangled internet."
Oh? Why wouldn't they trust the internet? It seems totally reasonable to trust banks and their online banking and bill paying. I mean, you give them and participating institutions full access to your accounts but they wouldn't do anything illegal or not in your interests, right?
alright nsa, i did your dirty work now give me back my dog
True, but the gov has always had easy acess to your bank account. Piss off the IRS and you will find out how easyily, quickly, and with little, if any, justification they can seize your account. The internet has nothing to do with the gov's access to your money.
You can blame much of it on the ADA, the ACA, permit Nazis, and a host of other regulations and regulators.
I'd rather walk on hot coals than attempt to open and operate a the typical small business.
WFC also charges $6 a month to access an account via Quicken. Pure profit. I am also pretty sure that if you have any sort of substantial balance they sell your info to the highest bidder -- I have no other explanation for why my landline started getting cold-calls from wildcat oil rig operators back when I had a landline.
They have to have someplace to go and buy their fucking condoms don't they?
Good article & observations. I think what you see is typical and not unique to your county in PA. Seeing the same here in MA. Lots of empty retail spaces. Another new bank branch opening in our town soon. We've got more than enough. Same for drug stores. Interestingly about Rite Aid. Maybe about 15 years ago, they left MA. Sold all their stores to a local chain. Then, about 5 years later, they bought the entire local chain back & remodeled all the stores. Great planning! That must have cost $millions! What a waste of money. Money they didn't have.
why do I feel if you are a national or international co of any type, bank, cat, riteaid,cvs, ge, sears, even jcp...you are getting support from .fed, zero int loans, or just outright cash..???how do they get free frns, well look at the stock market and if you do not see it, you are obviously an obuma supporter.
In a one mile radius of where I live, six new bank branch offices have opened. I mean offices, not ATM outposts. Fully staffed offices. And they have all moved into store fronts that have gone bust.
Holy shit, dude!
"That percentage will grow as the older generations rapidly die out and are replaced by the techno-narcissists who never leave their family rooms."
While you are right about Millenials being narcissists, you might want to tone that shit down a bit. I think people get out plenty, they just don't care to waste their free time waiting in line at some zombie bank branch--you definitely nailed that part of the story here.
I'm not so sure the oldsters are dying off as fast as you think. If only they would, our issues with promised entitlements would go away. No sir, I think the huge wave of retirements has yet to hit and I think that's why all this pumping is going on--those people have to retire, it is unavoidable, and what is taking place here, along with a tremendous amount of graft, is a holding action. They're attempting to pump the markets so that all these millions of people's investments aren't zeroed out at precisely the moment they want to withdraw them. That the "money" won't buy much of anything is not their concern, only that these people all get exactly what they think they are supposed to get--in other words, "their" money, which is not theirs once it is deposited, of course.
What we are all finding out in the 21st century is that money is starting to lose its meaning because there is so damn much of it. It's a hard lesson to take in, and the implications are as yet unknown.
I wonder if those bank vaults would make a nice zombie shelter?
I don't understand why my earlier post was deleted. It was about multiple car part stores in the same area, and about how rite aid in our area closed a cheap location to buy a newly constructed corner lot building. Wasn't that on topic? Please reply so I know what I did wrong - thanks.
Go long autumn olives. This weedy invasive tree loves sandy, bulldozer-ravaged vacant lots, and can produce half its weight in tart red berries each fall. Adults prefer to cook them, but little kids eat them raw, like sour candy.
Earlier in the year, these abandoned properties also yield blackberries and black raspberries, so my family enjoys a tasty return on someone else's investment.


text:
Abbey Court Hotel2
Price FromView Rooms
- Very Good
- 11 guest reviews
"Comfortable stay, easy access, good food...."
"Great place, good location...."
"A hotel located within a 20 minute walk of the centre of St Peter Port. However, the return walk is uphill. Not ideal but if you are reasona..."
"There is nothing particularly wrong with this hotel but compared with most of the UK it is expensive for what you get. Room was very clean,..."
"hope to go back next year for a week..."
About the hotel
This very attractive, top value, family owned and operated Hotel is situated in a quiet residential area of St Peter Port. A former regency period residence, adapted sympathetically, provides a relaxed, friendly and informal base and is ideally placed for St Peter Ports many attractions and is very well served by the Island's excellent bus service. The Abbey Court has been refurbished and modernised during the last four years with many of the original features preserved so that the Hotel is now an eclectic mix of old & new.
Read MoreLess
Room Availability
Showing Thursday 11 February 2016 to Friday 12 February 2016Change Search
Facilities Show/hide
- Main
- Hotel Non-Smoking Throughout
- Family friendly
- Cots available , Pets Allowed
- In room facilities
- Safety Deposit Box , Tea/Coffee making facilities in each room , Hairdryer in each room
Useful Info Show/hide
- From 14:00 hours
- Until 11:00 hours
- The price shown is based on the occupancy and dates you have searched for. Prices and availability are subject to change based on the arrival date, number of nights and occupancy searched for. All prices are inclusive of all local taxes.
- Pets are allowed
Customer Reviews
Our reviews are from genuine LateRooms.com customers. We verify that the customer has stayed before leaving a review.
Very Good
91% would recommend it to a friend
Customer service
Food quality
Room quality
Great stay
Comfortable stay, easy access, good food.
Abbey Court Hotel
Great place, good location.

subset: commoncrawl


text:
Hilton Dublin4 Self rated
Charlemont Place, Dublin, 2
Price FromView Rooms
- Very Good
- 12 guest reviews
"First Hilton stay and thoroughly enjoyed the experience. Service was first class and breakfast on an equal par. One slight negative was that..."
"Fantastic hotel! Great location a few minutes walk from the centre. Brilliant and helpful staff ... and AMAZING buffet breakfast..."
"We had a lovely short great , lovely hotel with excellent customer focus , everyone was extremely helpful and friendly..."
"A measure of the quality of a hotel is not whether they make any mistakes but how they deal with them. We requested a twin room but were giv..."
"Hotel staff were amazing, so helpful. Could not fault anything During our stay. Will definitely stay here again...."
About the hotel
Relax at the Hilton Dublin hotel, set in the heart of Dublinâs city center, overlooking the historic Grand Canal. This Dublin, Ireland hotel is just a short walk from the famous St. Stephenâs Green area and Grafton Street, lined with stylish wine bars and delicious bistros.
Unwind in one of this Dublin hotelâs bright and comfortable Guest rooms. Located close to the RDS Convention Center, the Hilton Dublin hotel offers WiFi in all public areas and features a 24-hour, well-equipped business center. Host meetings or weddings for up to 400 guests in this Dublin hotelâs Charlemont Suite. The Charlemont Suite can be split into four smaller function rooms, holding 2-80 people. Alternatively, celebrate your special event or corporate gathering for up to 200 guests on this city center Dublin hotelâs contemporary outdoor terrace. Stay active on the contemporary cardiovascular equipment and weights in the hotel fitness center. Admire canalside views while indulging in authentic Irish cuisine at Uisce restaurant. Savor a Guinness and snack on a fresh sandwich at the Stil Bar & Lounge.
Read MoreLess
Room Availability
Showing Wednesday 10 February 2016 to Thursday 11 February 2016Change Search
Facilities Show/hide
- Business
- Meeting Facilities , Wi-Fi Available In Public Areas
- Dining
- Restaurant
- Accessibility
- Disabled Access Public Areas
Useful Info Show/hide
- From 15:00 hours
- Until 12:00 hours
- The price shown is based on the occupancy and dates you have searched for. Prices and availability are subject to change based on the arrival date, number of nights and occupancy searched for. All prices are inclusive of all local taxes.
- Pets are not allowed
Customer Reviews
Our reviews are from genuine LateRooms.com customers. We verify that the customer has stayed before leaving a review.
Very Good
92% would recommend it to a friend
Customer service
Food quality
Room quality
Hilton Dublin
the lobby of the hotel is gorgeous,the location is good right across from a tram station which means you can be in the town in just a few minutes, just the quality of the room let it down mostly the bathroom the shelve that's above the toilet came off in my hand, the toilet was also lose and moved when you sat on it and also something my girlfriend pointed out the entire trip there was no hairdryer in the room they all may seem really silly things but when you've spent that little bit extra to stay at a 4 star hotel i did expect a little better.
Perfect location and quality with great value
First Hilton stay and thoroughly enjoyed the experience.
Service was first class and breakfast on an equal par. One slight negative was that there was functions on in the ballroom and the music thereof could be heard all over the hotel, our room being on the fourth floor. Not boom boom can`t sleep stuff but obvious nonetheless. Hotel is a great location benefitting from practically being joined on to the LUAS tram line serving the short distance to St Stephens Green and the town centre a mere walk away.
Read More Less


text:
I got the same axe! it's cheaper to just buy it then making it, and I can't make it as good anyway haha!
Sweet purchase! I'm still trying to find one of these
''Shut Up, and take my money!''
- 9Gag,
But seriously, it looks amazing!
- 9Gag,
But seriously, it looks amazing!
Not to mention shiny...
That is a beautiful peace of work...I would like one of these for myself. I cannot wait for that game!
holy shit! Indeed it looks very awesome, may I ask how many bucks you paid for this?
60$ I think was the price with shipping to the US. I paid like 72$ with shipping to France
wow just wow


text:
(null reviews)
The Body Back Buddy is an excellent self-massage tool.
Designed with input from professional bodyworkers, it has been engineered to allow a full body treatment. The hook shape and 11 knobs allow you to treat not only your back and neck but also your chest, arms, hands, buttocks, hips, legs, and feet. The two comfortable handles allow you to easily control the amount of pressures you exert. A short treatment is all it will take to begin feeling the benefits of this useful tool.
It is ideal for massaging knots (sore spots) on your back and neck. Body Back Buddies are made in the USA.
Directions: You will find countless ways to use the Body Back Buddy. Hook it over your shoulder to work your neck and shoulders. Hook it around your side to massage your lower back and hips. The different knobs are ideal for use on your feet, hands, chest, neck, and more. Start with a small amount of pressure and gradually increase until you find your comfort level.
Materials: steel & rosewood.
Dimensions: 26"L x 10"W x 0.5"H
Weight: 1.6 lbs.
IMPORTANT: For adult use only. Any individual who may be pregnant or recently gave birth, has a heart condition or a pacemaker, suffers from diabetes or other sensory impairment, phlebitis and/or thrombosis, joint dysfunction, inflammation or injuries, weak bones, osteoporosis, a high fever, an abnormal or curved spine, is at an increased risk of developing blood clots, has pins/screws/artificial joints or other medical devices implanted in his/her body, is being treated for a medical condition or physical injury or is under a doctors care should consult with a medical professional before using a massaging device designed for home use.


text:
Contact LivHOME
Thank you for your interest in LivHOME. Contact us online by using the form on the right or for an immediate response, call us now at 720-274-9600.
Our Location
7333 W. Jefferson Avenue Suite 270
Lakewood, CO 80235
THE LivHOME APPROACH TO CARE
At LivHOME, a professional Care Manager, a credentialed geriatric specialist such as an RN or MSW, will work with every family every step of the way.
1. Understand
An individualized clinical assessment by a Care Manager
2. Plan (Plan of Care)
A customized plan with specific recommendations
3. Manage Services
A professional approach to implement & monitor services & communicate
Professional Care Managers are available 24 hours a day, 7 days a week.
The result: A professional stands by you every step of the way, helping you make the decisions that matter most. For premier at-home care, call LivHOME at 720-274-9600. When only the best will do...
Contact Us Online For
A Free Consultation!
Please fill out the form below or for an immediate response call 720-274-9600.
More About LivHOME
Why Choose Us?
- Care Managers are credentialed experts in geriatric care with specialties in social work, nursing or mental health
- Care Managers Available 24 hours a day, 7 days a week
- Every Caregiver is supervised by a Care Manager
- Careful selection of Caregivers
- Extensive ongoing Caregiver training
- All Caregivers are company employees
- Premium customer service that results in the highest client satisfaction
- Single source for professionals and families


text:
Co. Kerry. by WithabixWatch
©2012-2016 Withabix
County Kerry, Ireland. A view from the back garden.
wow the atmosphere and scenery is breathtaking. great photo
Wow, it's out of this world!
beautiful and stunning capture. the atmosphere is amazing
Great atmosphere!
the grass has a beautiful vibrant color,great work.
great photo, i like the colors and the light
That is a magnificent photo. Such a beautiful landscape.
Love the colors in this one well done!
This is gorgeous! What a spectacular view.
Nice shot.
Amazing shot (: The scenery is absolutely gorgeous
That's great scenery I like this picture. Is it HDR?
Love the colors.
Nice lighting, Colors, and beautiful shot
nice work
nice colors
Awe inspiring.
So serene and calm.
I want to lay on the grass and look up at a beautiful sky like this!
Excellent capture! :capture:
I want to lay on the grass and look up at a beautiful sky like this!
Excellent capture! :capture:
Wow. So lush and green Beautiful shot showing the greatness of Ireland.
A beautiful view I like the vivid colours Is it a HDR?
the Home of Kerrygold butter? lol. Its a HDR? looks great!
This is beautiful and very serene!
Stunning, this looks so peaceful and it's just really well done!
The contrast, amazing!
beautiful view. Love the sky
Looks almost unreal, amazing!
Ireland!! My native land, and this photograph captures it greatly.
A great photo wiht great colors. Are they natural or photoshopped?
Beautiful shot! Ireland is so lovely.
wouw - what a view! Lucky you ^^ And the photo is great!


text:
Book your room at Nanyuan Universe Deluxe Hotel
Please enter your travel dates.
Best Available Rate Incl Breakfast Superior Twin Room, 55 Sqm, Free 24 Hours High Speed Wifi/Wired Internet Access, Idd, Ddd, Mini Bar, Private Shower, Writing Desk,Max Occupancy: unknown
Best Available Rate Incl Breakfast Superior King Room, 55 Sqm, Free 24 Hours High Speed Wifi/Wired Internet Access,idd,ddd,mini Bar,privateMax Occupancy: unknown
Best Available Rate Incl Breakfast Deluxe King Room, 75 Sqm, Free 24 Hours High Speed Wifi/Wired Internet Access,idd,ddd,mini Bar,privateMax Occupancy: unknown
Best Available Rate Incl Breakfast Superior Administrative Room, 55 Sqm, Free Internet Access, Idd, Ddd, Mini Bar, Writing Desk, Tea Table, Closet With Bathrobe,Max Occupancy: unknown
Nanyuan Universe Deluxe Hotel is a 5 star business hotel located in city center area in Ningbo. adjacent to the Wanda Plaza, 10 kilometers to airport. It has 400 guestrooms in the hotel, free weclome fruit when check in, free high speed WIFI In public area, free wired and free wifi in rooms, administration room with computer, free airport shuttle (7 am and 12am), free gym and swimming pool are available for the guests, besides all of the rooms equipped with modern facilities, such as, air conditioner, mini bar, closet with bathrobe and clothes hangers , IDD, DDD, private bathroom with shower and bathtub, etc. It features 9 different sized conference rooms with advanced audio-visual equipment and professional event planning services. For catering there are Chinese, western styled restaurant, coffee bar and pub. For entertainment guest can enjoy beauty salon, massage, sauna. Welcome to us.Information missing or incorrect? Tell us!Opens in a new window
Hotel Amenities
Hotel Amenities
24 Hour Front Desk, 24 Hour Room Service, 24 Hour Security, Air Conditioned, Airline Desk, Coffee Shop, Guest Laundromat, Currency Exchange, Doctor on Call, Elevators, Executive Level, Express Check In, Express Checkout, Florist, Free Airport Shuttle, Free Parking, Free Transportation, Game Room, News Stand, Health Club, Night Club, Outdoor Parking, Parking, Copy Service, Pool, Public Address System, Restaurant, Safe Deposit Box, Sauna, Translation Service, Truck Parking, Valet Parking, Wake-up Service, Multilingual, Barber/Beauty Shop, Lounge, Disco, No Smoking Rooms/Facilities, Turndown Service, Internet Access – Complimentary, AM/FM Alarm Clock, Radio, Bathrobes, Television with Cable, Coffee Maker in Room, TV, Hairdryers Available, Internet Access, Mini Bar, Modem Lines in Room, In Room Movies, TV Remote Control, Safe, Sitting Area, Smoke Detectors, Sofa Bed, Phone with speaker, Telephone, WC, Shower, Multi-line Phone, Free Newspaper, Satellite TV, Exercise Gym, Shops/Commercial Services, FAX, High speed internet access, Audio Visual Equipment, Business Center, Meeting/Banquet Facilities, Secretarial Service, City Center,
- 24-hour front desk
- Free airport transportation
- Arcade/game room
- Total number of rooms - 400
- Number of floors - 53
- Bar/lounge
- Business center
- Coffee shop or café
- Elevator/lift
- Express check-in
- Express check-out
- Fitness facilities
- Gift shops or newsstand
- Hair salon
- Health club
- Meeting rooms
- Multilingual staff
- Nightclub
- Restaurant
- Safe-deposit box at front desk
- Sauna
- Shopping on site
- Smoke-free property
Room Amenities
- Pay movies
- Air conditioning
- Free newspaper
- Phone
- Minibar
- Coffee/tea maker
- Turndown service
- Hair dryer
- In-room safe
- Television
- Satellite TV service
- Room service (24 hours)
Hotel Policies
Check-in time starts at 14:00:00
Check-out time is 12:00:00
Payment types


text:
Clockwise Humanized by saturnspaceWatch
©2013-2016 saturnspace
I forgot to put it up here, sketch full body pic humanized Clockwise Whooves (since I set him as the 12th regen) I did lately. As you can see I suck at drawing humans : |
you can also found this on tumblr
I should work on something not related to that blog lately D :
you can also found this on tumblr
I should work on something not related to that blog lately D :
On humans this looks *shrugs* ok, but on a pony this looks kinda cluttered
Lovely Lovely Lovely! Gotta ask tho... Are you going to do Derpy? I would love to see her outfit in full. It's actually helping me with a cosplay I am doing. If anything can I request full details of the dress?
Will you also be doing a full body one of Derpy as well? Because this is really cool.
I must cosplay this now!
Ain't matter if the drawing is still awesome.
it's good artwork (not the me version of me, but still good)
genial, te quedo el dr.
That is one awesome Humanized Clockwise
You don't suck at drawing humans. You are fucking great at it
"suck"? That's an odd way to spell 'am awesome'.
i am really really really like it
The muffin was a good touch to the background. But the sonic screwdriver was espeically orginal. I've never seen one of the props on Dr. Who to be anything close to looking like that. Good job.


text:
There's something undeniably epic about commanding several squads of troops into battle and running pell-mell after them with reckless abandon. Blueside's new MMORPG, Kingdom Under Fire II (KUF2), somehow manages to give you an RTS-style feel of tactically directing groups of minions around the battlefield, while retaining the single-character progression and combat that have become hallmarks of modern action MMOs.
Read more of Som Pourfarzaneh's Kingdom Under Fire II E3 Preview - Epic Battles Are Epic.


text:
Watching "The First Basket" right now. Doing some research for a profile of Jordan Farmar, who is, at this point, the only duel member of the tribe and the NBA. I mentioned the film a few weeks ago. You can read more about it here.
View our privacy policy and terms of service.


text:
JSPShort for Java Server Page. A server-side technology, Java Server Pages are an extension to the Java servlet technology that was developed by Sun.
JSPs have dynamic scripting capability that works in tandem with HTML code, separating the page logic from the static elements -- the actual design and display of the page -- to help make the HTML more functional(i.e. dynamic database queries).
A JSP is translated into Java servlet before being run, and it processes HTTP requests and generates responses like any servlet. However, JSP technology provides a more convenient way to code a servlet. Translation occurs the first time the application is run. A JSP translator is triggered by the .jsp file name extension in a URL. JSPs are fully interoperable with servlets. You can include output from a servlet or forward the output to a servlet, and a servlet can include output from a JSP or forward output to a JSP.
JSPs are not restricted to any specific platform or server. It was orignially created as an alternative to Microsoft's ASPs (Active Server Pages). Recently, however, Microsoft has countered JSP technology with its own ASP.NET, part of the .NET initiative.
(Thanks go to William Duran at Oracle and the Oracle Technology Network for providing additional information for this definition.)
Stay up to date on the latest developments in Internet terminology with a free weekly newsletter from Webopedia. Join to subscribe now.
We look at a few of the more troubling aspects of statistics and how these may be used to advance an agenda or skew the facts to someone's... Read More »29 Free Android Apps for Cash-Strapped Students
From wacky alarm clocks to lecture hall tools and after class entertainment, these Android apps are a good fit for a student's life and budget. Read More »Sharing Threat Intelligence
A growing number of startups make the sharing of threat intelligence a key part of their solutions. Read More »
The Open System Interconnection (OSI) model defines a networking framework to implement protocols in seven layers. Use this handy guide to compare... Read More »Network Fundamentals Study Guide
Networking fundamentals teaches the building blocks of modern network design. Learn different types of networks, concepts, architecture and... Read More »Computer Architecture Study Guide
This Webopedia study guide describes the different parts of a computer system and their relations. Read More »


text:
With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
This is a great Fathers day, Birthday present, or just some thing for you. You can also decorate it or paint it as well. I like natural ...
You need to first cut out the body. The pieces that I used the 1/2" plywood, you can use 3/4" plywood. The reason I choose to use ...
In this step we will be creating the arms for the robot. First you will need to cut two 1" wide pieces off of the 2" dowel ...
You will need too cut 2 pieces of 1/4" all thread at a length of 8". Then cut a 1/4" of all thread at 9 1/2". Next ...
To make the ear you need to cut two 1" wide pieces from the 1 1/2" dowel rod. Now cut two pieces of 3/8" dowel rod a ...
Once you are done assembling the body find the center point of the top of the body and drill a 1/2" hole, 1/2" deep. Now insert the ...
5,773 views
76 favorites
Robot Blade Holder V2.0by Kris82
From Sewing Machine to Scroll Saw, a Christmas taleby bongodrummer
Woodworking How To Use 4 Basic Sawsby jaloner
Using a bandsaw blade in a scroll sawby Uffe
How to make a wooden tape holderby Uffe
Join 2 million + to receive instant inspiration in your inbox.
Download our apps!
© 2015 Autodesk, Inc.
Enter the email associated with your account and we will send you your username and a temporary password.
Not a member? Sign Up »
Already a member? Login »
That's a pro feature!
Want to go pro?
First step is to sign up.
By clicking "Sign me up!" you are indicating that you have read and agree to the Terms of service.
Already a member?" Login »


text:
Reviews // 2 Articles
Listening Ahead: Anticipated Releases for Early 2014
9 Jan 2014 // 8:14 PM
As the record release schedule wakes up from its year-end hibernation, so too does "Listening Ahead" to cover a strong slate of eagerly anticipated early 2014 albums.
The Best Female Artists of 2010
8 Dec 2010 // 3:00 PM
While the men were showing us their dark and beautiful fantasies, or pulling us into their high brooding violet, the women were absolutely taking over 2010.
Warpaint: Warpaint
19 Jan 2014 // 8:06 PM
Warpaint's second album is atmospheric and moody, but driven by a rock-solid rhythm section that keeps their songs grounded.
Warpaint: The Fool
3 Nov 2010 // 4:00 PM
The chilling tale of how four doobie sisters flew beyond the valley of the dolls.


text:
NEW YORK ( TheStreet) -- In the last few weeks markets have reacted swiftly to the threat of the Federal Reserve beginning to "taper" its bond purchases and other accommodative policies. An end to the current Fed policy would result in higher yields and lower prices for bonds and bond funds.To avoid further large declines in their bond fund portfolios, investors will need to seek out more alternatives that have less interest-rate sensitivity. This is where the new PowerShares Global Short Term High Yield Bond Portfolio (PGHY) can help.
New Global High-Yield Bond Fund Offers Promise
Check Out Our Best Services for Investors
Action Alerts PLUS
Portfolio Manager Jim Cramer and Director of Research Jack Mohr reveal their investment tactics while giving advanced notice before every trade.
Product Features:
- $2.5+ million portfolio
- Large-cap and dividend focus
- Intraday trade alerts from Cramer
Quant Ratings
Access the tool that DOMINATES the Russell 2000 and the S&P 500.
Product Features:
- Buy, hold, or sell recommendations for over 4,300 stocks
- Unlimited research reports on your favorite stocks
- A custom stock screener
Stocks Under $10
David Peltier uncovers low dollar stocks with serious upside potential that are flying under Wall Street's radar.
Product Features:
- Model portfolio
- Stocks trading below $10
- Intraday trade alerts
Dividend Stock Advisor
David Peltier identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.
Product Features:
- Diversified model portfolio of dividend stocks
- Updates with exact steps to take - BUY, HOLD, SELL
Trifecta Stocks
Every recommendation goes through 3 layers of intense scrutinyquantitative, fundamental and technical analysisto maximize profit potential and minimize risk.
Product Features:
- Model Portfolio
- Intra Day Trade alerts
- Access to Quant Ratings
Real Money
More than 30 investing pros with skin in the game give you actionable insight and investment ideas.
Product Features:
- Access to Jim Cramer's daily blog
- Intraday commentary and news
- Real-time trading forums


text:
LRG LR Connect SunglassesView Larger Image
Besides dripping with classic style, the LRG LR Connect Sunglasses use lightweight acetate frames for a lightweight feel—you can wear them all day and all night without noticing that they're on your face. Metal reinforcements in the arms attach directly to the hinges so the arms won't snap off if you accidentally drop them. Custom logos add extra swag points and keep your style meter pinned.
- Acetate frame
- Metal hinges and arm reinforcements
- Custom foil branding


text:
Ireland, World War One. Dashing Harry Heegan leads his football team to victory, arriving home in swaggering celebration before he grabs his kit and heads for the trenches. A nightmare world awaits. The men, reduced to cannon-fodder, speak in mangled incantations as the casualties stack up. Months later, Harry returns, a cripple at the football club party. Everyone but the shattered war veterans dances and forgets.
Sean O'Casey's The Silver Tassie is a powerful, huge, anti-war play that displays a jagged madness that belies its Dublin tenement setting and gives full expression to the horror and waste of war.
•For more information and to book tickets visit the website here or call the box office on 020 7452 3000.
Guardian Extra members can win one of five pairs of top price tickets to see The Silver Tassie. The competition closes at midnight on Sunday 7 April.
Enter this competition
Click here to enter this competition
Help with offers, events and competitions
•Extra is free to join. You need to be a member of Extra in order to see the redemption pages. To register your email address for the first time, press on the 'Click here ...' link above.
•Members also need to sign in to theguardian.com at the top left of the screen to be able to take up offers, book tickets or enter competitions.


text:
Profile Information
Pradip a Web Expert, SEO Consultant and On-line Marketing Professional who specializes in SEO (Search Engine Optimization), Social Media and Search Engine Marketing Strategy. Strategic and highly technical hands-on SEO Manager with a record of initiative, results, creative and forward-thinking SEO branding strategies that drive online traffic, online sales, and search engine optimization. Outgoing problem solver who builds strong internal and external relationships through exemplary communication and project management skills that drive an SEO strategy forward while maximizing ROI and increasing rank of natural search listings. Strong ability to engage IT team, learn new systems, analyze data, manage large-scale technical issues, optimize site architecture, identify new market opportunity.
|Full Name
|Pradip Khanal
|Display Name
|Job Title
|SEO Expert From Nepal
|Pradip Khanal
|Type of Work
|Business Owner
|Kathmandu, Nepal
|Favorite Thing About SEO
|Additional Contact Info
|skype: - khanalpradip
|Favorite Topics
|On-page SEO, Analytics, Design, Social Media, Video


text:
Score +58
Deal DetailsLast Edited by WideLoadHere March 25, 2013 at 11:54 AM
OK, this is kinda related to this thread about a new T-Mobile plan, but I want to highlight the Family Plans.
So as an individual you get unlimited min/txt + 500mb of data plus hotspot for $50
but as a Family you get a better deal.
2 Lines for $40 each ($80)
3 Lines for $30 each ($90)
4 Lines for $25 each ($100)
5 Lines for $22 each ($110)
and each person gets the same plan as the the individual paying $50
Plus no contracts required, so if you pool with friends and your friend is a dead beat, no worries about him costing you $200 for an ETF.
Also in my case, I was previously on the Family Value plan was paying $5 for 200mb but now it's included and upgraded to 500mb with free hotspot. So I'm saving $5/line
*you can switch over as long as you are at least 18 months into your existing plan. You will still have to finish out your current plan even though this says "no contract" but if you are out of contract this will not extend your contract.
**corrected my earlier statement, 2GB is available for $10/month, if you want to pick and choice which line gets more data, add the 500MB first then edit each line individually
635 Comments
On prepaid, I pay no taxes on top of the rate. But when I was on a plan, I remember taxes being a huge add-on. Like $10/line in various fees +10 percent sales tax. I think my last $30/month plan ended up costing me $44/month. I know this varies greatly by location and that we (WA state) have one of the highest rates of cell plan taxes around. Anyone have experience with the final cost on these plans?
What I've got is 3 lines, 500mb data, all of them Galaxy S 2 (which is $29.99 up front, $16/mo each), and up to the final checkout, it's a total of $138/mo, $189.33 due up front ($99.36) of which is sales tax. It isn't showing any other fees, but I live in CA, so I'm not sure if that's the same for everyone.
Rather I choose to buy the phone offmarket and get the plan. Am I missing anything?
Buy the Nexus 4 from Google directly, and no financing charges would be added. The LG Optimus L9 is also pretty decent for a $200 phone from Walmart.
If you don't talk much and use data more, the $30 walmart pre-paid plan is still the best. If you have a family that uses more than 100 min of talk time each, these family plans + phones like the two above are a great deal instead of having overage charges on data.
What I've got is 3 lines, 500mb data, all of them Galaxy S 2 (which is $29.99 up front, $16/mo each), and up to the final checkout, it's a total of $138/mo, $189.33 due up front ($99.36) of which is sales tax. It isn't showing any other fees, but I live in CA, so I'm not sure if that's the same for everyone.
Don't buy your S2 from Tmobile, $29.99+ $16x24 = $414, Buy it from Walmart and pay $300 up front. Save 38%
Technically, you are not owed a discount you instead paid a higher plan price for the phone you already got at a discount. Once your 2yr contract is up, they did their part of honoring the 2 yr contract. so it's understandable, otherwise they would always be on the hook to give you a discount. heck if they gave you $1 off they would still be giving you a discount in your scenario.


text:
Block Party
In 2006, comedian Dave Chappelle organized a concert in Brooklyn of all of his favorite artists including Mos Def, Talib Kweli, The Roots and The Fugees. Erykah Badu's performance was otherworldly, and with the wind blowing her wig off, the singer kept on going. She also sings background for The Roots with soul diva Jill Scott. The band along with the two women produced a hit in 1999, "You Got Me" featuring Erykah's vocals and Jill's songwriting. The track made the Top 40 and won them all a Grammy for Best Rap Performance by a Duo or Group.
(Photo: Courtesy Rogue Pictures)
Jill Scott: Rockin' Moments01/12/2012
Black Girls Rock! 2011 Performers10/15/2011
Ten Things You Should Know About Elle Varner10/14/2011
Melanie Fiona: Rockin' Moments10/13/2011
Mary Mary: Rockin' Moments10/13/2011
Mary J. Blige: Rockin' Moments10/12/2011
Estelle: Rockin' Moments10/12/2011
Funny Style: FLOTUS Is a Vision in White at Black Girls Rock!
Performance: Estelle's Triumphant 'Conqueror' Performance
Highlights: Jada Pinkett Smith on Raising Up Women of Color
Exclusives: Get the Backstage Insider Scoop With Amanda Booz!
Exclusives: M.A.D. Girls Exclusive Interview Hosted by Afrobella
Black Girls Rock! Weekend:
Get an exclusive look into Black Girls Rock! Weekend. ...
Must-See Show Moments:
A look at the best moments from Black Girls Rock! 2015. ...


text:
Police investigating Boardman bank robbery
Police have not given out any information about the description of any suspect or suspects, or their location.
Police have not given out any information about the description of any suspect or suspects, or their location.
A man was struck by a plow truck Thursday morning outside a fast food restaurant at the Eastwood Mall Complex.
The latest weather forecast for Youngstown, Ohio and surrounding areas.
YSU Police discovered an unconscious man, parked in a vehicle behind Bliss Hall.
The man told police he and his girlfriend started using heroin about a month and a half ago.
Jessica Stiner was charged with two counts of child endangering, OVI and other charges.
A Columbiana County woman is accused of stealing $600,000 from her employer, according the U.S. Attorney's Office.
The truck was fully loaded with road salt, which spilled onto the road and part of a yard.
Slick road conditions along Interstate 80 in Mercer County slowed traffic and caused several accidents Thursday morning.
Police say a Pennsylvania man kept a 15-year-old girl in shackles as collateral for a loan to her father.
Crews were called about 1 a.m. Thursday to the barn on Smith-Stewart Road.
The employees were notified on Friday that the plant would be closing.
The video of the amazing shot has gone viral, even making an appearance on ESPN as part of SportsCenter's Top Ten.
The interstate was shut down in both directions as officials worked to clear the scene.
Donations for the drive are accepted until April 10.
A child born in Iran has a greater chance of survival than a black child born in Youngstown.
Police said the man cut the gas lines at his home in an attempt to kill a woman there, but he set himself on fire in the process.
A southwestern Pennsylvania couple have been found dead in their home.
The four are remnants of an armed group that seized the Malheur National Wildlife Refuge on Jan. 2 to oppose federal land-use policies.
Some senators are pushing the Obama administration for solid plans to get a handle on the devastating growth of heroin death and addiction.


text:
Definitions for gainpain
This page provides all possible meanings and translations of the word gainpain
Webster Dictionary
bread-gainer; -- a term applied in the Middle Ages to the sword of a hired soldier
Origin: [F. gagner to gain + pain bread.]
Find a translation for the gainpain definition in other languages:
Select another language:
Discuss these gainpain definitions with the community:
Word of the Day
Would you like us to send you a FREE new word definition delivered to your inbox daily?
Use the citation below to add this definition to your bibliography:
"gainpain." Definitions.net. STANDS4 LLC, 2016. Web. 6 Feb. 2016. <http://www.definitions.net/definition/gainpain>.


text:
Respond to Review of Vegan Glory
by SynthVegan
Review: Apparently famous people go here, as I saw one during a visit [a few years back]. Im not too keen on Vegan Chinese food, but I will say this place is good. I had the Chinese Broccoli with Seitan; it was good but would also try something else if I go there again.
You must login to post a response
Login | Register (see member benefits)
Login | Register (see member benefits)


text:
Are you Suhong Li?Claim your profile
Publications (11)22.09 Total impact
Article: Antioxidant activity of penta-oligogalacturonide, isolated from haw pectin, suppresses triglyceride synthesis in mice fed with a high-fat diet[Show abstract] [Hide abstract]
ABSTRACT: To expand application of hawthorn (Crataegus pinnatifida Bge) fruit, the antioxidant and anti-lipidemic effects of haw pectin penta-oligogalacturonide (HPPS) prepared from hawthorn fruit were investigated in vitro and in mice. HPPS exhibited concentration-dependent scavenging activities against superoxide anion, hydroxyl and DPPH radicals. Additionally, HPPS supplementation significantly enhanced the antioxidant enzyme activities of superoxide dismutase, catalase, glutathione peroxidase, increased the total antioxidant capacity and the levels of glutathione, but lowered the malondialdehyde content in the liver of high-fat fed mice. Furthermore, HPPS significantly decreased the TG levels, the activity and the mRNA and protein levels of glycerol 3-phosphate acyltransferase (GPAT) and phosphatidate phosphohydrolase (PAP) in mice livers. Moreover, liver steatosis of mice associated with diffuse hepatocyte ballooning induced by a high-fat diet was markedly improved by a dose of 300mg/kg HPPS-consumption. The results revealed that HPPS might be applicable as a dietary supplement for the prevention of fatty liver and oxidative damage.
Article: Pectin pentasaccharide from hawthorn (Crataegus pinnatifida Bunge. Var. major) ameliorates disorders of cholesterol metabolism in high-fat diet fed mice[Show abstract] [Hide abstract]
ABSTRACT: The effects of haw pectin pentasaccharide (HPPS) on hypercholesterolemia were investigated in high-fat fed mice. HPPS significantly decreased the levels of serum total cholesterol (TC) and low density lipoprotein cholesterol (LDL-c), and hepatic TC. It also significantly decreased the activities and gene expressions of 3-hydroxy-3-methyl-glutaryl-CoA reductase (HMGCR) and acyl-coenzyme A: cholesterol acyl-transferase (ACAT) in the liver. While, the serum high density lipoprotein cholesterol (HDL-c), fecal bile acids, and the activity and gene expressions of cholesterol 7α-hydroxylase (CYP7A1) were significantly increased by HPPS administration. Moreover, HPPS tended to increase the fecal TC level and to down-regulate the expressions of sterol regulatory element-binding protein 2 (SREBP-2) and LDL receptor in the liver, but no statistical significance was detected. The results revealed that HPPS have great potential in the development of functional food to improve cholesterol metabolism.
Article: Anti-fat deposition and antioxidant effects of haw pectic oligosaccharide in the liver of high-fat-fed mice[Show abstract] [Hide abstract]
ABSTRACT: Pectin and its acidic oligosaccharide derivatives are believed to have many potential applications in the food and pharmaceutical industries. In this article, we have investigated the effects of haw pectic oligosaccharide (HPOS) on hyperlipidemia (HL) and oxidative stress in mice induced by a high-fat diet. The results showed that HPOS significantly suppressed the fat deposition in the liver of HL mice. In addition, it significantly increased superoxide dismutase activity and suppressed the production and accumulation of malondialdehyde in liver. It may also be helpful in normalizing fatty acid metabolism in the liver of mice by altering the proportions of saturated fatty acid and monounsaturated fatty acid. These results reveal that HPOS has potentially beneficial effects against HL and oxidative stress in mice. Se cree que la pectina y sus derivados oligosacaridos acidos tienen muchas aplicaciones potenciales en la industria alimentaria y farmaceutica. En este trabajo, investigamos los efectos del oligosacarido pectico de espino chino (HPOS) en la hiperlipidemia (HL) y el estres oxidativo de ratones inducida por una dieta alta en grasas. Los resultados mostraron que HPOS suprimio de forma significativa la deposicion de grasa en el higado de HL ratones. Ademas, los HPOS aumentaron significativamente la actividad de la superoxido dismutasa (SOD) y suprimio la produccion y acumulacion de malondialdehido (MDA) en el higado. HPOS tambien pueden ser utiles para normalizar el metabolismo de acidos grasos en el higado de los ratones mediante la alteracion de las proporciones de acidos grasos saturados (SFA) y acidos grasos monoinsaturados (MUFA). Estos resultados revelaron que HPOS tiene efectos potencialmente beneficiosos contra HL y el estres oxidativo en ratones.
- [Show abstract] [Hide abstract]
ABSTRACT: Haw pectic oligosaccharides (HPOS), lactic acid, sodium lactate and tea polyphenol showed dose and pH dependent antibacterial activity against E. coli. The activity of HPOS could be enhanced by combination with lactic acid, sodium lactate or tea polyphenol. However, combination of HPOS with nisin resulted in no significant enhancement of antibacterial activity against E. coli. These results revealed that HPOS is valuable as a food preservative, and lactic acid or sodium lactate could be used to enhance its antibacterial activity, allowing for further improvement in its efficiency, likely leading to a reduction in the dosage necessary for food preservation.
- [Show abstract] [Hide abstract]
ABSTRACT: Although haw pectin and its hydrolysates are believed to have various functions in food industries, correlation of the structure with the functionality of oligomers has not yet been clarified. In the present study, haw pectin oligosaccharides were fractionated, and their structural characterizations were analyzed. The results showed that ultrafiltered haw pectin hydrolysates yielded 11 fractions (F1~F11) on a DEAE-Sephadex A-25 column chromatograph. One fraction (F1) was galacturonic acid, whereas other fractions (F2~F11) were oligosaccharides. Structural analysis using nuclear magnetic resonance and gas chromatography with mass spectrometry showed that these oligosaccharides (F2~F11) are oligogalacturonide family with degrees of polymerization of 2–11, linked by α–(1 → 4) linkages. The information obtained could be used in the exploitation and utilization of haw pectin and its derivational oligomers.
Article: Effects of haw pectic oligosaccharide on lipid metabolism and oxidative stress in experimental hyperlipidemia mice induced by high-fat diet[Show abstract] [Hide abstract]
ABSTRACT: The anti-hyperlipidemic and antioxidant effects of haw pectic oligosaccharide (HPOS) were investigated using a model of hyperlipidemia induced by a high-fat diet in mice. HPOS significantly lowered the serum levels of total cholesterol (p < 0.01) and triglycerides (p < 0.05) and inhibited the accumulation of body fat in this model. It significantly enhanced the activity of superoxide dismutase to suppress oxidative reactions (p < 0.01) and inhibited the synthesis and accumulation of malondialdehyde in serum (p < 0.05). Thus, HPOS could be valuable in the development of nutritional and drug therapies to combat cardiovascular diseases.
- [Show abstract] [Hide abstract]
ABSTRACT: Haw pectin obtained by cold-water extraction displayed higher viscosity than that of commercially available lemon pectin. After hydrolysis using purified polygalacturonase, haw and lemon pectins yielded polygalacturonase-resistant fractions (CP1-1 and LP1-1, respectively) in the high-molecular-weight region. Anion-exchange chromatography of the resistant fractions yielded additional three fractions (Hf1, Hf2, Hf3) for CP1-1 and 2 fractions (Lf1, Lf3) for LP1-1. The acidic fractions Hf3 and Lf3 were similar in structure; however, the sugar content of the neutral fractions Hf1 and Lf1 differed. The structural differences in the fractions Hf1 and Lf1, and the presence or absence of the acidic fraction Hf2 in the pectin molecule might be associated with the difference in viscosity between haw and lemon pectins. Structural analysis revealed that fraction Hf2 was a polysaccharide in which approximately one-third of the main chain was composed of α-1,4-linked GalA, and no α-1,4-linked GalA was present in the remaining two-thirds pectolyase-resistant region. Furthermore, the constituent sugars Gal and Man existed quantitatively in the pectolyase sensitive region of Hf2.
Article: Immobilization and stabilization of pectinase by multipoint attachment onto an activated agar-gel support[Show abstract] [Hide abstract]
ABSTRACT: Pectinase was immobilized on an activated agar-gel support by multipoint attachment. The maximal activity of immobilized pectinase was obtained at 5°C, pH 3.6, with a 24h reaction time at an enzyme dose of 0.52mg protein/g gel, and the gel was activated with 1.0M glycidol. These conditions increased the thermal stability of the immobilized pectinase 19-fold compared with the free enzyme at 65°C. The optimal temperature for pectinase activity changed from 40 to 50°C after immobilization; however, the optimal pH remained unchanged. The immobilized enzyme also exhibited great operational stability, and an 81% residual activity was observed in the immobilized enzyme after 10 batch reactions. Copyright © 2008 Elsevier Ltd. All rights reserved.
- [Show abstract] [Hide abstract]
ABSTRACT: Pectinase was immobilized on a sodium alginate support using glutaraldehyde and retained 66% activity. The optimal pH for activity shifted from 3.0 to 3.5 after immobilization; however, the optimum temperature remained unchanged at 40 degrees C. The immobilized enzyme also had a higher thermal stability and reusability than the free enzyme, and retained 80% of initial activity after 11 batch reactions.
- [Show abstract] [Hide abstract]
ABSTRACT: The putative raffinose synthase gene from rice was cloned and expressed in Escherichia coli. The enzyme displayed an optimum activity at 45 degrees C and pH 7.0, and a sulfhydryl group was required for its activity. The enzyme was specific for galactinol and p-nitrophenyl-alpha-D-galactoside as galactosyl donors, and sucrose, lactose, 4-beta-galactobiose, N-acetyl-D-lactosamine, trehalose and lacto-N-biose were recognized as galactosyl acceptors.
Article: Expression of Rice ( Oryza sativa L. var. Nipponbare) α-Galactosidase Genes in Escherichia coli and Characterization[Show abstract] [Hide abstract]
ABSTRACT: Two putative alpha-galactosidase genes from rice (Oryza sativa L. var. Nipponbare) belonging to glycoside hydrolase family 27 were cloned and expressed in Escherichia coli. These enzymes showed alpha-galactosidase activity and were purified by Ni Sepharose column chromatography. Two purified recombinant alpha-galactosidases (alpha-galactosidase II and III; alpha-Gal II and III) showed a single protein band on SDS-PAGE with molecular mass of 42 kDa. These two enzymes cleaved not only alpha-D-galactosyl residues from the non-reducing end of substrates such as melibiose, raffinose, and stachyose, but also liberated the galactosyl residues attached to the O-6 position of the mannosyl residue at the reducing-ends of mannobiose and mannotriose. In addition, these enzymes clipped the galactosyl residues attached to the inner-mannosyl residues of mannopentaose. Thus, alpha-Gal II catalyzes efficient degalactosylation of galactomannans, such as guar gum and locust bean gum.
Top Journals
Shenyang Normal UniversityFeng-t'ien, Liaoning, China
University of TsukubaTsukuba, Ibaraki, Japan


text:
Track my order(s)
Cart is empty
M4 7105 Alfa Romeo 8 C Spider Competizione (Rosso / Red), 1/43rd scale diecast model car.
My account
Customer Service
Stay Connected
Enter your email address to receive special offers and promotions.
Find us on Facebook Follow us on Twitter
© 1977-2016 MotorsportsMiniatures.com. Powered by CS-Cart - Shopping Cart Software


text:
Last Eternal photo for a bit by dianabunnyWatch
©2006-2016 dianabunny
Yet another of Eternal Neptune, and, actually, my very favorite photo of this. Costume/prop made by me (with prop help from Mike!). This is probably my favorite costume to date~ really a labor of love, too!
Photo credit to the AMAZING Samantha of deathcom.net
Photo credit to the AMAZING Samantha of deathcom.net
Had not seen this photo yet. You are GORGEOUS! One of the best cosplays of Neptune I've ever seen! You, madam, are my new hero. Heroine. Something.
Wow, you did a great job on the costume. You look wonderful in it.
You look amazing ^^ Job well done I must say
This cosplay is GORGEOUS!
You make a beautiful Sailor Neptune! Not to mention your legs look gorgeous in pantyhose.
That's so kind of you to say! Thank you~
it's obviously you have nice legs *-* ... but your cosplay is very cool, i like your wig... it looks very good on you...
The outfit is pretty C:
très beau ..........................!
It's perfect! You should upload more!
Thank you so so much! How sweet~
Wow, this is an absolutely gorgeous cosplay *-* <3 amazing job!
Oh my gosh this pic is gorgeous! (you and the costume!)
I would love to do this costume someday, and this is such an inspiration.
I would love to do this costume someday, and this is such an inspiration.
My gosh, thank you so much! How kind of you~ If there's ever anything I can help with when you decide to make it, let me know!
OMG I love it
You're a very pretty Neptun and the costumes is very well done :3 looks great!
I've never seen Eternal Sailor Neptune in action, but she's fast becoming a favourite of mine for some reason
great job
Wow! The costume is so pretty and so accurate! Neptune is my favorite.
Wow.. I know this photo is "old" but... this is such a beautiful Sailor Neptune. Simply gorgeous!
Where else do you get to wear these outfits after you wore them the first time?


text:
The Louisville Education and Employment Partnership (LEEP) strives to reduce the high school dropout rate. It's an in-school program formed through a partnership between JCPS, Louisville Metro Government, Metro United Way, and KentuckianaWorks.
LEEP career planners at 13 high schools each support about 75 students by providing college- and career-readiness training. Activities focus on four areas: academic support, development of life skills, employment readiness, and leadership/community involvement. The program also monitors student attendance, behavior, and progress in earning academic credits.
Date Modified 5/28/15


text:
Loading, please wait...
Connect doorbell wires
this is for a final research project in college, im trying to find an estimate for installation of a network my team has designed. It will have 75 onsite clients, and 50 offsite. I am just trying to figure out what the installation prices would be as that is the position I would have in the project


text:
Sir Robert Peel, 2nd Bt showing his pictures
1 portrait
© National Portrait Gallery, London
Sir Robert Peel, 2nd Bt showing his pictures
by Jemima Blackburn (née Wedderburn)
watercolour, 1844
4 3/4 x 5 7/8 in. (119 x 150 mm)
Given by Mary and Jane Clerk, 1935
Primary Collection
NPG 2772(28a)
Click on the links below to find out more:
Artistback to top
- Jemima Blackburn (née Wedderburn) (1823-1909), Artist and memoirist. Artist of 7 portraits, Sitter in 2 portraits.
Sittersback to top
- Jemima Blackburn (née Wedderburn) (1823-1909), Artist and memoirist. Sitter in 2 portraits, Artist of 7 portraits.
- Henry Brougham, 1st Baron Brougham and Vaux (1778-1868), Lord Chancellor. Sitter associated with 256 portraits.
- Sir George Clerk, 6th Bt (1787-1867), Scottish politician; MP for several constituencies. Sitter in 2 portraits.
- Isabella Clerk, Daughter of Sir George Clerk. Sitter in 2 portraits.
- Sir James Clerk, 7th Bt (1812-1870), Soldier. Sitter in 1 portrait.
- Maria Clerk, Daughter of Sir George Clerk. Sitter in 2 portraits.
- Sir Robert Peel, 2nd Bt (1788-1850), Prime Minister. Sitter associated with 220 portraits.
Linked publicationsback to top
- Foister, Susan, Cardinal Newman 1801-90, 1990 (accompanying the exhibition at the National Portrait Gallery from 2 March - 20 May 1990)
- Saywell, David; Simon, Jacob, Complete Illustrated Catalogue, 2004, p. 717
Subjects & Themesback to top
Tell us moreback to top
Can you tell us more about this portrait? Spotted an error, information that is missing (a sitter's life dates, occupation or family relationships, or a date of portrait for example) or do you know anything that we don't know? If you have information to share please complete the form below.
If you require information from us, please use our Archive enquiry service. If you wish to license this image, please use our Rights and Images service.
Please note that we cannot provide valuations.
We digitise over 8,000 portraits a year and we cannot guarantee being able to digitise images that are not already scheduled.


text:
Garnet Joseph Wolseley, 1st Viscount Wolseley
1 portrait of Garnet Joseph Wolseley, 1st Viscount Wolseley
© National Portrait Gallery, London
Garnet Joseph Wolseley, 1st Viscount Wolseley
by Alexander Bassano
half-plate glass negative, 1880s
Purchased, 1996
Photographs Collection
NPG x96483
Click on the links below to find out more:
Sitterback to top
- Garnet Joseph Wolseley, 1st Viscount Wolseley (1833-1913), Field Marshal. Sitter in 44 portraits.
Artistback to top
- Alexander Bassano (1829-1913), Photographer. Artist associated with 2801 portraits, Sitter in 4 portraits.
Subject/Themeback to top
Tell us moreback to top
Can you tell us more about this portrait? Spotted an error, information that is missing (a sitter's life dates, occupation or family relationships, or a date of portrait for example) or do you know anything that we don't know? If you have information to share please complete the form below.
If you require information from us, please use our Archive enquiry service. If you wish to license this image, please use our Rights and Images service.
Please note that we cannot provide valuations.
We digitise over 8,000 portraits a year and we cannot guarantee being able to digitise images that are not already scheduled.