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I was listening to a US commentator this morning, and he said that there was an expectation that the Feb would stop the taper and increase QE, if data disappointed. So that means the market can only go up because markets can rally on both good and bad news. I'm not confident the Fed knows what sort of mess it's creating, interesting times.
LOL there are a lot of confused property perma bulls on here desperately trying to talk up house prices and anyone who disagrees is doom and gloom.
A property price bust would be the best thing that could happen to this country. There's 2 trillion dollars tied up in residential property that would be better used in wealth generating enterprises.
That is real wealth from productivity and innovation. Not lazy, rent seeking wealth from sitting on property and try to talk it up.
"That's why house prices have been flat for four years."
You said they have been increasing ABOVE the rate of inflation earlier here today. Which is it???
The only desperate person is the one who posts 30 - 40 comments a day about the same thing. Simple really.
I know I've mentioned this before, but I cannot understand why, with a TRILLION bucks in QE annually, that inflation in the US didn't even...BURP! Something else is going on man. I'm telling you! GG.
Afternoon reflection from this mornings refraction...UXC boosted volume which is encouraging...the price moved up marginally [3%]...the yield still looks promising.ok i'll hold for now.
Just curious if anyone has any thoughts on OFX (OxForex Group) and whether a buy at current levels?? Thank you,
OZForex is an ex Private Equity IPO - stay away, it is typical to pump up revenues and chop costs on the way into a float and so the businesses usually need heavy investment in the first few years to get back on a normal business curve.
The Aussie market bounces up and hits 5500 fifty times then bounces back down but when we're coming back through 5500 it only takes one go. How does that work ?
if you were watching closely it wasn't just one go, today is a typical late sell off on such a benign day, chance to snap up a bargain for a quick profit tomorrow
comment at 2.39pm, he said strangely, not worryingly, thats what we call a "Chinese whisper"
I will stay with strangely thanks, no need to worry unnecessarily lol
Low volatility means the market is not worried. So is the RBA is worried that the market is not worried? Perhaps the market is like my wife, when she says "I'm not worried", I reply, "Oh, no! We'll have to see a doctor to find out what's wrong".
Glenn Stevens will see it my way one day, need to get the Aussie down Guv...cut the cash rate!
...."shows almost all the net credit growth since 2012 has flowed into property"....
Yeah...Just need somewhere to house the consumers...We can go on like this indefinitely.
hmmm top up on MSB or PRY cant decide...or both/or neither...wheres that dartboard.
"Customers of NAB bank have been left potentially out of pocket as a technical glitch has resulted in double charging for some credit card transactions."
More than a decade of "down sizing", "right sizing", "off-shoring", "voluntary redundancies" and lazily doling out most of their loan book to littlelandlords and you're left with a bank that has had a string of basic IT failures.
Basket case.
It is obvious to most of us that the Chinese are manipulating the price of iron ore at the moment and this will be very short term;
The trend will reverse as early as this month and there will be some quick
money to be made.
Make sure you have some cash for you favourite miner, BCI for me!
Sure, nothing to do with massive new supply and massive stockpiles.
Iron ore is not rare you know.
Iron ore futures falling like a lump of red rock ….
China's National Development and Reform Commission (NDRC) is talking down the outlook for iron ore price. I wonder why? The worst thing is that our media accepts the spin without question and the negative media blitz is working.
Last year, when the price was moving up, China claimed the big three miners were manipulating the market to push prices higher after a shipment was diverted to higher paying customer. Their suspicions reflect their own market ethics and behaviour. The current market manipulation is probably about more than just a single supply contract, it would be about trying to force down the share price of heavily indebted miners that can then turn to guess where for some equity finance.
It is market manipulation on a such a grand scale that ASIC is completely impotent to do anything about it.
the proof of the pudding will be in the eating, but @ Engineer seems to understand where I am coming from;
The Chinese are clever operators, lose sight of that fact at your own peril!
its called capitalism folks.
the usa does it every day. look at apple pr gmh or ford. look at german car makers charging australia double.china got on board and started playing the game now people are whining. suck it up folks. you asked for capitalism and you got it. a race to the bottom. there can be only one.
"NAB new customers zero per cent interest on new purchases for the next year."
SWEET! Sign me up! :)
(and yes I have the cash to pay for it later) 0% in the meantime ;)
blogger Allan really cracks me up spruiking doom and gloom, not sure if he realises or not the market is bullish and has been for a long time and all he does is post shorts or add to shorts.
if the shorts you are posting are real you would be feeling a lot of pain at the moment not to mention the long on SBM
too funny
@dewf hart...Bullish? It's been stuck below 5500 for how long now? The big, massive, huge dividend plays that got it there are now paying 5%...Stop kidding yourself.
@JohnBB this time last year it was 4737, pretty bullish to me lol
@JohnBB, if you are not making trading this latest run up then you will never make money and by definition you are incorrect, it is actually a bull market!
And 30% below 7 years ago. Yeah real bullish. LOL.
@118pm comment
credit boom!
its all ok we can swap $$debt for nicks and give ourselves another year to make up the slack.
where do i sign
In response to Allan: "SYDNEY is still in a bubble because a decade ago they were at bubble prices and haven't deflated yet."
They have moved sideways as you love to point out over the last 10 years. As that is not keeping up with inflation it was in fact a nice steady 10 year deflation of the bubble.
Your argument is wrong, but your point is actually correct. Prices in SOME areas are unsustainable at current levels.
Nope. It is just above inflation so no, not wrong.
Allan, with his odd contradictory line again. If Sydney property price growth is just above inflation, and has been for 10-20 years, and wealth and incomes have grown, and unemployment has remained low, and housing supply has not kept up with population increase, it is in any commonsense analysis, not a bubble. On the contrary it's very sustainable while these factors remain.
Ah, so property returns ARE beating inflation??
Bubble deniers will always be bubble deniers.
Face it is hasn't burst yet and nobody knows when
Or, more importantly, if.
Bubble supporters will be supporters. Why are unsustainable price rises called 'bubbles'? Because, like real bubbles, they are fragile and have a very short life. Opposite to the Australian property market, in other words.
"And the last bit of economic data today, the current account deficit almost halved ......showing underlying strength across the economy."
is this good news or bad news to the negative nancies? .... just sayin' don't get mad. feel free to bite below. thanks for playin'. ROFLMAO do se do around we go.
It's in the red and it will stay in the read for the next decade.
Housing boom!
ACR that was catching a falling knife...think i'll keep it as
failed trade strategy in @ 1.38 out at 1.21 in @ 1.03 now 85c......shizenhausen.
NAB's "zero per cent interest on new purchases for the next year" is the scariest thing I have read in a long time. I'm stunned. Buy JBH folks - the bogans are coming and they're 'rich'!
just a quick one. all these people that are snarly about current ASX levels, US debt levels and property prices. your posts reek of desperation, sadness and failed dreams. to everyone else out there happy trading, dont let the negative nancies get you down!
Sort of missing the point. I'm not talking about where our nation's super money COULD be, I'm talking about where it IS. It IS in fixed allocation funds for the most part. These funds might have 60% Oz stocks, 35% overseas and 5% cash. These funds can not vary that allocation for any reason.
So every month these funds receive many more millions in employee contributions that they HAVE to invest in the stock market. The can choose the stock but they can't chose not to invest it.
So while individual investors might be thinking the market is overpriced. We have the massive institutions with no options but to keep shoveling in money. ($4+ trillion over the next decade).
It seems to me that is quite enough stimulus to keep the Oz stock market going strong for a long time yet.
Taking scruples out of the equation for a moment, if you were responsible for investing someone else's money and your bonus was tied to their success, wouldn't you be completely ignoring the risk and going for the biggest gains possible despite knowing that it's all going to collapse soon? If instead you acted responsibly and were only getting them a risk-mitigated 10% pa rather than 20% pa like everyone else, wouldn't you lose your customers (and your bonus)? What do you care when it all collapses? You've been getting well paid and lost nothing when it does. So as long as the world allows others to invest on their behalf, and pays them to do it, how can it operate any other way? Maybe that explains the ongoing irrationality in the markets as they demonstrate zero fear of an impending collapse.
"Some good China data, and up we go again!"
Ross Garnault has already told you, the "salad days" for Australia when it could gouge bonanza prices for resource are over.
"Professor Garnaut predicted the rise of China, but is now warning Australians to prepare for a serious decline in living standards as the resources boom gives way to falling export prices and a slump in the development of mines. "
The expression "serious decline in living standards" was made by the ABC presentor, not Prof Garnaut.
Garnaut has argued exactly what many others have in that the boom is over but mining will still continue above historical levels.
His actual view is that Oz will need to produce more (not just mining but other businesses including construction) to maintain our living standards and that we will all need to tighten our belts, partially due to all the Liberal Party middle class tax cuts of the mid 2000's!!
"Oh dear property perma bulls in a tiz. If you're so sure about your investment why do you get upset so easily?"
Urrrrr no, Person A tells person B they will get cancer 30 times a day in front of person C. Person C isn't up set, person C is just disgusted by person A's actions. Person C = the majority of reader on this blog.
You read that right, I don't have any investment property.
"Japanese Lawmakers to Lobby Abe for Russian Gas Pipeline"
Oh dear.
Iron ore, coal and LNG all overcapitalised.
Yesterday I pointed to the auction clearance rate from Feb/March as having indicated home prices were due for moderation. In reply a couple of people claimed that the auction clearance rate was an unreliable measure because some homes are offered for auction, then withdrawn from sale yet not recorded as passed in. This I think displays a common misunderstanding of how economic indicators work.
An economic measurement like unemployment, auction clearance or GDP are not like measuring a temperature or a length. It is fully accepted that these numbers cannot completely describe what is an extremely complex underlying situation. It is merely a yardstick for getting a handle on them. Often people claim that "real unemployment is x%" because the 1 hour a week threshold is too low and doesn't reflect the number of people who are unable to find enough work to support themselves. But that is NOT what the unemployment number is intended to measure. The number itself is not really important. What matters is TREND BEHAVIOR and consistent methodology so that we can be certain that a change in the number represents a change in conditions and not just a change in method.
It is fully accepted that the number itself is flawed, but so long as the flaws are consistent that is ok. We simply have to draw the lines and work with what we have.
"TWELVE months after the Reserve Bank of Australia issued a warning about a potential apartment glut in Melbourne's CBD, signs are emerging the market is bloated with empty apartments."
I know! Let's build some more!
Housing boom!
Are they building more??
I thought you said yesterday that building approvals are down??
Hey Al you got a zen garden to go to at the end of the day...seem to be whipping yourself into a bit of a frenzy today mate?
have to agree with you @BSB
it seems the same to me
Allan says housing boom
but his mantra is doom and gloom
short that, short this
just seems like hit and miss
market is on a run
why not join the fun!
Only littlelandlords think that getting a tax deduction for a depreciating asset is positive cash flow. LOL.
And only the most myopic property bears think of propery as a depreciating asset.
Your buildings don't depreciate. They're special.
*Gross generalization warning*
Land goes up in value. Buildings come down.
The building will depreciate, but the 'rarity' will(?) appreciate. Rarity being the land, or position of the building.
Depreciation is deferred expenditure. The benefit is that you may not have to pay for the New Building for a long time ahead.
But Allan, it is a positive cash flow. That you don't like people investing in houses doesn't change the meaning of the words "positive cash flow".
Yes, said "littlelandlord" has to have a negative cash flow 364 days a year to generate their weak and once a year positive cash flow on the day they get their tax return. But the net effect over a year can still be positive.
Whether this is a net negative for their overall wealth depends on the balance of the depreciation rate of buildings against the appreciation rate of land.
We get that you don't like "littlelandlords" (which I assume just means people who invest in property for a tax loss because they don't know better, rather than it being a reflection of a preference for concentrated ownership of land, ie "biglandlords"), but that doesn't mean you can redefine English and mathematics to suit your predispostions.
Owning lots of land is common to one very particular group of people: the very, very rich**. I wonder why?
**I assume "littlelandlords" rarely fall into this category.
Yep all those Lords in England sitting on great swathes of property that they didn't earn I my heroes.
I'm not sure what being your hero has to do with anything.
Land, as a rare**, appreciating, indestructible and in almost all cases massively under-taxed asset, is inherently attractive to people who have, or who would like to have, significant wealth.
Besides which, stating your opposition to the English landed gentry (who'd have thought it?) doesn't get away from the problem in your original comment - positive cash flows from negatively geared property are possible.
Not common, I'll give you, but technically possible.
**rare as in useful and conveniently located - there's plenty of land, but the middle of the Simpson desert is not the same as, say, Sydney's north shore or the Darling Downs.
Land? What's land got to do with it? Floor space is made out of thin air and there is a floor space glut.
The RBA may keep rates on hold today but I just got a notice from Rabobank that they are dropping their deposit rates by between 0.20% and 0.25%.
pushing even more people out of cash and into shares or in the case of a lot of smsf's - property.
arent we in the process of deregulating the financial sector making it a free for all for cowboys everywhere to flog the new wave of cdo's to he uninformed or plain stupid?
The ATO has other ideas about SMSFs going into property. http://www.afr.com/p/business/financial_services/tax_office_targets_smsf_property_hz3jo6PgrY5QQKXxyRzHcN
Be careful tho. Losing the "alleged" 1-2% in cash (due to inflation) is probably better than entering into a stock market that is grossly overvalued and losing 15-30% on face value capital/equity when trying to capture a return of say 5-7%....
Isn't it funny how at the end of the last bull run we could get term deposits for consumers @ 7% now we are coming to the end of another bull run and we can barely get 4%. Where do we go when the share market goes pop? Housing boom?
Have a look at this chart of the obvious bubble in property prices:
See the sideways bit at the top? According to bubble deniers that's proof there is no bubble. ROFLMAO!
If you owned property between 1995 and 2009 (ish) you did very well. If you missed that window you missed out.
Simple as that.
Oh dear property perma bulls in a tiz. If you're so sure about your investment why do you get upset so easily?
Oh and "pass the red" I likes you better when you were posting as "unbalanced". At least you had a sense of humour then. LOL.
I'm not convinced there are (m)any perma housing bulls here. I am certainly bearish over the next 5 years.
Irish Phil gave this yesterday to clarify negative gearing and 'cash flow positive'.
Rent = $1000
All cash outgoings = $900
Positive cashflow = $100
Depreciation allowance = $200
Paper loss for tax purposes = $100
The calculations are correct and close to what you'd expect for a 500k-1m property. However, there is a significant point that these numbers hide. If you assume in round numbers 4% rental, a 5.5% interest and 1% expenses, the implication is that the loan can be no more than 50% of the property value. Not exactly an easy entry for investment.
Rent 4%=value $25,000
Outgoings=$250 (1% of 25k, expenses), leaving $650 for interest payments. Repayment of $650 at 5.5% rate= loan of $11,800
11,800/25000=48% maximum loan
Not only that, it is a very tight squeeze to get this to work. A change in interest rates, unoccupied tenancy, unforeseen maintenance, even the deprecation schedule could derail this idea.
In the end. the 'cash flow' is not going to exceed ~0.5% and will only be a benefit based on your tax rate. At 38.5% tax rate, 0.5 drops to about 0.2% of the property value.
Spot on Calculator.
I have not bought property in the last 3 years, it just doesn't make sense at current levels.
If investors really are still buying then I don't know how they justify if from an accounting point of view.
The numbers I used yesterday that you quoted were just for illustration purposed by the way.
depends what property your buying?
plus you can haggle on property. as soon as things start coming undone I will be hoovering up everything I can nearby.
@calculator & Irish Phil
Ageed too. SMSF action is seemingly driving up prices in some areas to make the sums unsustainable for Investment. Really have to pick your mark. And these SMSFs have to pay a much higher interest rate also...
hehe @smilingjack, i doubt you'll be hovering anything up, if you can't make money in today's environment, then you never will. see i bought a place in waterloo in 2006 before the GFC i was told everything would crash. 3x2 for 550K off plan, i even thought price was ridiculous. but i wanted to live in it and decided to go with heart over brain and advice from conservatives, now its worth absolute minimum 800k, most 1 bedders go for close to 500k in my area. funny think is as the GFC set in everyone kept calling for blood, that it still wasnt the right time to get back in, this went on through 2009, come 2010 talk of double dip GFC, still bonkers if you buy ect..... these doomsayers never stop to smell the roses you see, they are destined to be negative therefore, they naturally attract bad choices, life partners, friends, their brains ooze sadness and doom, they die young, they cant socialize ect... it really is a sad sad way to live. only one thing worse that having a successful cocky young bloke at a party.... a miserable old bastard!
I like the headline underneath:
"House prices fall most in five years: RP Data "
Keep hanging your hat on those short term things, Allan. Like most property investors I'm sitting in for the long haul, and selling when prices are good - as I did in April. BTW I sold to someone who has no faith in the 30-40% price fall predictions of some like yourself. I could've allowed you to panic me into selling 4-5 years ago, but called you wrong then, as I still do. I would've been much worse off if I believed you and acted. But thanks for the invaluable advice. And I do mean invaluable.
Prices have been flat in real terms for 4 years so no not wrong at all. You sold because the 1.5% return was woeful when you could have bought CBA shares and made 75%.
I'm getting ready to rope a dope again. ASX 200 gets drunk and falls over every time it gets to 5530. Been a nice little trade selling there.
China is growing, US is growing, Europe is recovering so why all the doom and gloom?
Memories of the GFC. This means that any bit of bad news invokes a rapid kneejerk response. It takes a run of good news to push markets up.
One question is whether the growth is real or debt driven.Growth from prouctivity gains or employing more people productively much better than growth thru borrowing. I think that China and US are more debt than real at the moment. It may work and kick start real growth, or it may fail and cause a big hangover as the debt needs ot be repaid (or deflated).
"China's services sector grew at its fastest pace in six months in May"
Good for China's 500M rural poor and the environment. Not good for iron ore/coal/Australia.
Good for investment into Australian property though.
Housing boom?
I am tipping a rate cut of 25 basis points today!
a smidge premature but hey..............you never know.
I think they will keep their powder dry until they know things are really tanking. about 4 weeks before we will find out.
maybe next meeting.
a simple but clear picture of what is happening. how quickly $14 became $17 nearly $18.
very extraordinary circumstances
flat i reckon
@ X. Don't let your bleak view of the world cloud your judgement. There is no way they will cut rates today.
You'd be the only one in Australia
Another bounce off 5500. This market is showing some real resilience.
You'd worry if it breaks through and heads for 5400.
Yes been watching it as well. I am thinking that unless some news comes in today's range maybe 5500 - 5520
Yes been watching it as well. I am thinking that unless some news comes in today's range maybe 5500 - 5520
Some good China data, and up we go again!
Pollyannas plum out of puff. Alliteration is fun.
This Pollyanna will take 5500 over 3400 any day of the week
You can take 3400, I'll take $4.90/share from shorting FMG. Ta.
no it was 2800pts that Allan predicted
The market regularly crashes by 50%. What's 50% of 5500?
IMHO , given what Ive read re: amount of money gone into housing , the fact its the biggest liability on banks books ,its a wealth creation tool of the rich , do you really think the vested interests will let the housing bubble "pop". I think not . There's too much at stake to allow it to go down substantially . You can see the man made mechanisms in place supporting prices - immigration , smsf access to property , negative gearing ,low int rates ( yes I know they will prob go up sooner rather than later) , not eneough new building approvals, 457 visa immigrants etc , foreign purchasers .To me this is the system ensuring theres always demand . So unless you think unemployment is going to become a huge problem ,or spiralling interest rates , I wouldnt be waiting for the bubble to pop . Besides that , weve been brought up beliveing the aussie dream is to own a house, so no , I dont beleive we'll see a dramatic decrease in house prices , maybe a stagnation , but a real big decline ? no. One query though when I read people belittling tiny yeilds , which yes increases costs of holding said asset , but Ive always been taught its about controlling the asset ...........yes im expecting the share believers to go on about fully franked yeilds etc but....your shares can go down 30%+ or more in a finacnial crisis......you deserve a higher return even though you think your in a safe stock. Bring on the replies !
you know this thread is predominately for the sharemarket type? but i agree with most of your points.
@PeterGriffin...Agree...The conservatives are in power with left wing liars in opposition....
There is no opposition. There is simply different angles, while the outcomes are exactly the same. More people, all policies aim at higher prices...NIMBY while populating. Non owning, less wealthy Australians are being sacrificed by all politicians, not just LNP.
Totally agree with you. The people in power and rich are reaping bewnefits of this but they are not in the majority. Whole thing boils down to "destroy country to keep the house prices up and satisfy the greed of few". How long this is going to work?
QAN sneaking UP.
Is that because AL has gone MIA which resulted in less reports of DOOM & GLOOM for the Flying Kanagroo?
If that is true, QAN shares will SKYROCKET if AL departs permanently!
What are all these lies from The US and Australia re carbon emissions? We're/they're going to reduce while populating? What a joke.
Population of Africa is 1 billion. In 100 years it will be 4 billion. Most will wish to emigrate.
the alberta tar sands is the biggest man made pollution event in the history of the world. whilst they are at they will destroy millions of acres of pristine wilderness.
'merica the country that introduced tax deductions for the more emissions your car produced and more fuel it consumed. it should be obvious by now to anyone with half a brain that fairfax is a paid for advomercial site for usa government.
This has always struck me too.
If you increase energy (or water, or whatever) efficiency by say 10% and the population increases by 20%, you're still going backwards.
The world cannot sustain the current out of control population growth rates. Yes, many developed economies now have low birth rates, but mass migration from the exponentially increasing population of the third world to those countries (Japan aside) means low birthrates in the developed world mean nothing
Nah its all lies so that Billionaires can invest in wind farms and get money from the taxpayers for providing renewable energy .
But there is no contradiction between immigration and the trumped up global warming scare. The "carbon footprint" scare - just like the "population bomb-scare" in the 70s - is just a way of scaring Western people into having less children. The ultimate goal is also achieved through mass-immigration. The two phenomenons complement each other.
The US appears to have gone through some strategic long term thinking on energy. They have moved to stock pile up to a years worth of fuel supplies. They're developing their energy resources (fraking) and the third arm is the green side. Leaving C02 and global warming aside, it reduces dependency on other fuel sources. It will also be a major aspect of the future economy (unfortunately Oz has discarded our chance to get in while the cost of abatement is cheap). We'll pay a lot more down the road.
I have a put option on SYD (code is SYDTH9), that expires on the 26th of June.
Strike price is 4.26.
It looks like SYD is going ex-dividend on 26th of June too.
RIght now my option is out of the money. What should I do?
Get out while you still have some money left....Put's are very difficult because the spread will kill you...If you're going to short, do it properly.
Assuming you are long the put, one strategy could be to sell a put for the same amount of contracts at a lower strike. Receive some premium. If the price goes through both strikes at expiry you will lock in the diff between the strikes plus premium minus premium paid for your long put. Worst case scenario is if the price ends up higher than your strike, then you will lose or make the difference between the premiums paid and received.
Geniune question: How do I short properly? Using CFDs?
@James: I guess you could short a REIT?
Thanks Ridgy, that was very helpful!
@James...I don't know how to use those new fandangle CFD's...I stopped looking when I worked out their leverage is off the scale....It's easy enough to lose lots of money without leverage...Shorting, you're already going against the natural flow of shares (up)...Why not just call a broker and short the old fashioned way? Did you have the joys of going through the GFC? It hurts and you never ever forget the lessons.....
James, the answer to 'How do I short properly? Using CFDs?' is long and I reckon a lot of the guys here could answer it, but they neither have the space nor probably the time and inclination to do it. Respect for Ridgy for such a good response to your first question, but your last question really should go into Google instead.
@smilingjack "thats right. money that is forcibly removed from you ( by our democratic society ) and given to people who then pay themselves 10's of millions $$ per year. then once all that is in place they tell you you cant touch it until your 60 - no make that 62 no wait 65 and on and on."....
Couldn't have said it better....Yep, welcome to Straya where no matter who we vote for we end up with idiot part A or B....Democracy in this country is a joke. I've got it in writing my preservation age is 60, and that's when I want my money. I don't care who's bribed, oops sorry, donated to who. ^0 is what we agreed to, and that's when I'm expecting it. That shouldn't change.
Stop your whining. Super is paid by employers in addition to your salary. Stop acting like it is an entitlement, by @Smilingjack saying that it is forcibly removed is assuming it was in your base pay to begin with.
@MLJ...Quite an assumption...I've put fa5r more in than any employer has and I've also managed it myself...I SACRIFICED using that money so I could have it when we agreed I'd have it..At 60. Your criticism is not valid. It's my money, even if my employer put it there, designed by Keating for me to use from 60 in lieu of me getting a higher wage.
You have been warned!!!!
Eerily reminiscent' of pre-GFC conditions
A storm alert today from Simon Derrick at the Bank of New York Mellon. He cites three warnings from leading central bankers, all alarmed by the remarkable disregard for risk in the equity, credit, and currency markets.
I agree, my research shows every major crash since 1929 has been predicted by annonomous comments on blogs. Thats why I listen to them all
There was no printing before the GFC...It's not going to happen. Never again now they've discovered this magic....FK where it's going but I can't see a big fall without more intervention. Scary stuff.
Can anyone explain what 'Bubble Boy' (Allan) means by his continual reference to Housing Boom. If I have to read it 35 times a day, I would like to understand it!
I would also.
I'm still not sure if he means there IS a housing boom, there will be one, or those who say there is one are wrong?
It is a simple but clever play on words.He means that housing (prices) are set to explode (drop like a stone).
I think he should go with:
Housing ...... BOOM!
Allan's view of an imminent housing price crash seems to be based on an ethical assessment of what should happen to the housing market, perhaps a underlying guilt at having benefited from the past boom and not a small dose of schadenfreude.
He's happy to pinch any figure that supports his hypothesis and write Housing Boom! under it. Truth be told he could have started posting his dire predictions a decade ago and we'd obviously all still be waiting for the BOOM. Maybe next year...?
yeah i have been wondering that also.
does it mean there is a boom? or is it sarcasm? sometimes it doesnt match his comment either. another question is he happy about it or something?
He has been saying that for a long time.
Reminds me of the saying:
"That economist has predicted 10 of the last 3 recessions". :)
He's being sarcastic of course, and I'm told he has been talking about a housing crash for years.
He is mostly correct. We've all been watching the house of cards building for years and all sensible people have been saying 'this can't go any higher' yet year after year it keeps going. The even more sensible people have noticed that the reason it hasn't fallen is because every so often someone comes along and puts a dab of super glue here and there and stabilises it so it keeps going much higher than an unsupported house could have. Some of us wonder how it got so high (because we didn't notice the gluing), some of us noticed the gluing but wondered how strong it was and whether the gluing would continue, and some of us (the mum & dad investors) saw nothing but some object that just keeps getting bigger, and they don't have the common understanding to realise that it is defying physics.
The result of this has been the sensible people sitting on the sidelines scratching their heads and even feeling a little sorry for themselves for missing out on the fortunes that the uninformed stumbled into entirely through their blind ignorance.
Allan knows it's a house of cards, he also knows it's held together with glue. Sensibly, he expects it to collapse soon whereupon he will pickup a handful of scattered cards and build a smaller more stable house of his own. What he doesn't know is how much longer someone will keep dabbing glue on it. What the investors don't know is that the size of the sneeze required to overcome the glue is getting smaller every day...and we're running out of glue...
Here's a picture for you:
this also confuses me. we come out of 08 crisis, how come people are so certain we are heading straight back into one? seems to defy the law of economics. i mean confidence is low, people are saving getting ahead on there mortgages and interest levels are low. Don't we have to wait for inflation to run away? And also on average these recessions last 1-2 years, most people ride this out. its almost like they want it to crash, theres no analysis that goes with it, its just what they want. and we dont always get what we want now do we?
@ Allan: I agree prices are crazy high, but defaults are tiny. People are coping.
I can only conclude the those buying in the last few years are extremely well off and can stand the level of repayment, or are buying for cash.
Either way, a rise in unemployment and/or interest rates is the only real way of testing the strength of homeowners ability to pay their massive mortgages.
"seems to defy the law of economics"
LOL. Debt, asset prices and risk are all higher than before the GFC.
Y'all still have to factor in the other Elephant in the room...Immigration...50,000 families have to live somewhere - I know, I'm renting to two of them...
You mean you're subsidising two of them by losing money.
I was listening to a US commentator this morning, and he said that there was an expectation that the Feb would stop the taper and increase QE, if data disappointed. So that means the market can only go up because markets can rally on both good and bad news. I'm not confident the Fed knows what sort of mess it's creating, interesting times.
But the Fed never "tapered" in the first place. Throughout the so called tapering a mystery buyer started purchasing US notes on the Euroclear market in Brussels. It's all just a scam to create the illusion of stability while the US Federal government is bankrupt, there is nothing justifying the value of the US dollar, and the Federal Reserve is the biggest robbery in the history of the US.
Read Ed Griffin's "The creature from Jekyll Island". The Federal Reserve is at the very centre of US - and Western - civilisational decline. The biggest geopolitical threat to our way of life.
US fed is just a cartel of bankers . They are not even controlled by US govt as much as the whole appointment process is supposed to look like it does.. They know exactly what they are doing , serving the interests of the banks.
"Japan's property bubble deflated over the course of 20 years."
Sound like a nice orderly decline that Australia may indeed follow. No crash coming?
After mining, banks divert nearly all lending to finance property
Some 95 per cent of the extra credit extended by banks since mid-2012 has financed residential or commercial property, according to an analysis that highlights the lopsided nature of the post-mining boom economic transition.
Good luck property owners and depositors at banks
Don't need luck...We've got politicians that will sacrifice all else.
arent we at the start of the biggest mining boom in the history of australia that will last for generations? see swan stevens jooliar etc etc?
Anyone have thoughts on BCI? Has been hammered lately but is it at it's lows yet?
Not yet, wait for the Iron ore price to fall a bit more, but after that I will be in!
How can anyone make sense of the Australian Stockmarket. Yesterdsay Iron ore prices down 4% Spi Futures down 8 and market up Today Iron Ore up Spi Futures up 9 and market down. Have better chance at the casino !
I can't help you with the iron ore prices but I can give great advice on the SPI. IGNORE IT!
"America's EPA will issue regulations that would seek to cut emissions from the US power plants by 30 per cent on 2005 levels by 2030"
Australia left looking stupid.
Here, we agree. But no doubt Abbott and co will bluster it out, ignoring that alternative energy development is good for business.
What "bubble" are you referring to?
A couple of bloggers here seem to call any price rise a bubble. Most of us know that a real bubble is exemplified by what happened to the price of tulips in the Nederlands. They also call any price fall a collapse.
Apparently any price rise is due to polyannas making a bubble and any price drop is due to intelligent analysis :-)
Note: when stating something is in a bubble, the number 1 rule is to not provide any analysis for your view and instead say "it's obvious,only a moron can't see it"!! :o)
Does this mean CBA is in a bubble?
"So what does this mean if you're looking for property? Is now a good time to buy? Well, if you want to avoid excessive prices it's probably better to wait a while."
Even the MSM is catching on.
That's quite right. Property has peaked. So what? FHBs are well advised to wait and prices may creep down, but not fall through the floor. This is the new normal in housing market fluctuations. The sky won't fall in for those holding property already.
He he.. yeah, they've been creeping down for over 20 years in Japan:
Japan Urban Land Price Index - Six Large Cities, Residential
1991, 223
1992, 183
1993, 149
1994, 136
1995, 125
1996, 118
1997, 113
1998, 111
1999, 106
2000, 100
2001, 94
2002, 89
2003, 84
2004, 79
2005, 77
2006, 78
2007, 84
2008, 88
2009, 81
2010, 77
2011, 77
2012, 76
Prices are now where they were in 1982.
They're not making any more land in Japan you know. LOL.
"Some 95 per cent of the extra credit extended by banks since mid-2012 has financed residential or commercial property"
Houses and holes.
Housing boom!
Sorry Pal Loss of $50.00 for mentioning that.
Some commenter yesterday,I believe it was 'pass the red', pointed out that someone has sent you on a mission to daily claim that the sky is falling in on property, but each new day finds the sky still very much in place.
Then there was this gem from you '"We are in a recession in gdp per capita terms and I called the top of property in Jan 2011. Right on both counts'.
Well, postpone the RBA meeting until Allan of Prahran can get there and points out the recession under their noses that they've missed. But sorry, 2011 was not the top of the market, 2014 is. 2011 was just picking up from the bottom in 2010.
Then, on the same day were again sneering at 'little landlords' you all but conceded you'd be one, if the price was right: 'Property is a good investment at the right price, somewhere around 30-40% below the current bubble prices.'
There is no bubble as the figures you were jubilantly quoting recently, showing not much capital growth in properties over the decade demonstrate. There will be no 30-40% drop in property unless there is a deep, deep recession, so deep, with so much unemployment and so little credit that there would then be no hope of anyone new joining the ranks of landlords. Deep down, you know it, Allan. So is that the basis for your misplaced shadenfreude on any glimmer of gloomy property news?
He he... someone's hurt. Cheer up guy, plenty of other things to invest in like wealth producing enterprises.
Oh and LOL LOL why do we have emergency record low interest rates GUY? And budget deficits projected for the next decade?
Housing boom!
Not hurting, laughing at your evasion. But please, explain to a grateful nation and the RBA how government deficit is caused by the property market. The misguided government appears to think it's a matter of reducing expenditure and raising revenue. Maybe you're thinking of the negative gearing benefits to property owners. Good luck waiting for a LNP govt to change that, (and therefore, good luck waiting for that property crash).
Bubble prices suck capital from wealth producing enterprises. Simples.
Err - Allan - if property was sucking up so much capital, wouldn't that be putting upward pressure on interest rates? Yet here we are in a record low rates period. Too simples. Your argument lacks legs.
That's why house prices have been flat for four years.
Emergency low interest rates are for the rest of the economy that has also flatlined while population increases giving us negative growth per capita. So you see it has plenty of legs.
rate decision is a no brainer. rates on hold lest the property bubble goes pop. no ka boom.
the only way rates are going is down to keep the bubble inflated.
when the bubble pops or starts deflating the state governments will lose billions in stamp duty. there are only so many speeding fines you can hand out.
Nothing will stop the bubble popping. Not even 500k more people in 13 months. What a scam. What a grubby scam. Turnbull, Abbott, Shorten....all Big Australia advocates...All leading Australia...All multiple property owners. All smart enough to know, there's no reason to populate but inflate their own financial interests.
Incorrect interest rates will go up with inflation, hence why Stevens has been warning those that could be getting in over the heads (interest rates will go up regardless of house prices). There's no conspiracy with goverment meddling in propping up property prices (although indirectly assisting FHBs has directly inflated), interest rates are historically low globally. interest rates will increase as long as CPI rises and people continue to spend money, interest rates rising indicates a growing, spending, working economy. If this stops interest rates hold. If this drops interest rates will fall ect. At no stage is anyone at the RBA looking at the price of houses and trying to increase or decrease this is a ludicrous view point held by many unfortunately. Happy investing
But what a time for the RBA to give Consumers a surprise boost to their confidence, slap out a 25bp today and surprise all of these manic depressants (shorters) talking the market down and we might get that added boost of the Aussie falling
What bubble? As Allan of Prahran has pointed out, the capital growth of property over the decade has been unimpressive. By definition, that's no bubble.
Yes, Allan does like to have it both ways on his property rants doesn't he?
No guy, for the nth time there is no contradiction and it has been pointed out to you many times there has been negligible capital gain in SYDNEY, did you get that SYDNEY. And SYDNEY is still in a bubble because a decade ago they were at bubble prices and haven't deflated yet.
And no I'm not "down on property", stop making stuff up. Property is a good investment at the right price, somewhere around 30-40% below the current bubble prices.
Yeah sure, Allan. No real property price growth in Sydney, growth in wealth and incomes, but a property bubble. Sure, makes perfect sense, all those things can coexist. Please point out any similar 'bubble' that has remained intact for more than a decade. Logic and history both suggest that a bubble in any market sector is a short term thing. But not in Prahran fantasy-world.
Sorry mate, the 'no contradiction' line is ridiculous.
The bubble in Japan has been deflating for over 20 years. There's one example. Point proved.
Incorrect Allan. the property market in Japan cities is actually quite expensive still. Look it up home boy! They are crying the same story that we are over here.
Exactly Allan, Japan's bubble deflated in an orderly manner. What makes you think that has not already been happening in Australia?
But Allan, Japan's property market crashed in 1991 after 5 years of high prices. So it stopped being a bubble 20+ years ago, after only 5 years. Australian property has been steady or thereabouts for most of that two decades. So it never was a bubble. Point disproved. That's without looking at the vastly different economies and demographics of the two countries. Really, your glib cherry-picking of information as illustrated here brings you undone and leads you into these contradictory positions. You try to maintain a consistent line with inconsistent info, but to avoid exposure with short throwaway lines. Doesn't work.
Nope the bubble deflated for 20 years from a huge bubble, to a large bubble to a bubble. Not hard.
Not incorrect dog, who said it was cheap?
Funny how all bad economic news is blamed on the weather, but good news is never due to adverse weather conditions.
According to the Keynesian high-priests who are currently in charge of the US economy, the Q1 contraction was due to unusual cold weather. And now Aussie retail analysts are blaming warm autumn weather for downturn in retail spending....
Warren Buffett has just made a $1.9 billion bet on wind energy.
Tony Abbott has bet on coal.
Who will win the bet?
I might add, with the last two years being the hottest on record in Australia, and with 9 of the previous 10 years being the hottest on record, what can it possibly take for the Daily Telegraph to admit that their unhinged and demented claim that warming stopped 16 years ago is an outright lie?
Unfortunately, it's a lie that a few commenters on markets live fell for.
Wazza's in it for the money, nothing to do with ethical investments. He's made millions from big sugar and oil.
Alternative energy is the future. Abbott and co prefer the past. Conservatives are like that.
Betting $1.9B on green energy just before your President announces major carbon reduction targets? That was lucky, wasn't it?!
@917am thanks eds
glad its not a 80c plunge though rather a plunge from +80c.....had a small palpitation at first but beats per min back to normal now. mind still not at ease,might sell out if it lifts a bit.
EDs: Morning heart starter! Sorry about that, BSB. Fixed now. Chrs
Why do you keep changing your location BSB ??? Do you mean UXC is a long shot but that doesnt make sense if you are thinking of selling ??
I reckon its the budget which has drawn negative sentiment towards the stock as it depends a lot on Govt. spending. If the business is good it will def. bounce back so all the best.
@clueless other business' that i have shares in have put out something to update shareholders about any impacts from the budget...these guys....silencio
stoploss trigger @ 75c..........down 11%
my lounge and me
while not that pretty
is a comfortable groove
but im on the move.
mobile or lappy,
trading on the go but happy
Just a thought, but our national super is worth $1.6 trillion. Its estimated that will rise to $6 trillion in just 10 years. Most of that money is in funds that MUST be spent on shares (largely big conservative Australian shares). These funds have their allocation FIXED - that is, even if the fund manager KNEW that the market will crash next week they HAVE to keep buying more shares. Super cash flow to these dunds doesn't change much in good times or bad. Given all this, our super system is underpinning stock prices.
Yes...and as population ages, pensions will suck money out of super.
thats right. money that is forcibly removed from you ( by our democratic society ) and given to people who then pay themselves 10's of millions $$ per year. then once all that is in place they tell you you cant touch it until your 60 - no make that 62 no wait 65 and on and on.
the option to lose money for the banks and pay off your mortgage is absolutely not allowed. that would be ridiculous. this is stralya a beacon of democracy.
My super invested from '01 to now, despite the '08 crisis, because I leave it to blind freddy to invest my super it has bounced back remarkably well. I always wonder had I had control would I have taken it all out and parked it in cash and missed out on the last few years of solid return. Good old super, well said Peter.
My preservation age is 55. Lets not get this confused with pension age, for which the goverment is raising. pension age is the age you must wait to recieve the pension, not your super, how you spend your super after preservation age is entirely up to the indiviual.
yeah well you can have a crack at it yourself...ever heard of SMSF?
Wrong. You can move your super to any type of investment fund you want, even cash.
for anyone born after 1964 the preservation age is 60 and all subsequent governments will push that higher.
Im talking about the bulk of australians who dont want to drop at least a couple of grand to set up and maintain a smsf.each year.
there are only about 500000 smsf's in australia leaving what?? 15 million others having their salary stolen / forcibly removed from them each week.
60 will absolutely 100% go to 65
in the meantime please hand over half a million plus to your friendly kind caring local bank in interest payments. even better stretch that out to a 40 / 50 year loan and hand it to your kids. can you imagine what would happen to banks if an extra 12% of your salary went on your mortgage each week. good bye banks.
@Allan. Yes we all know that SMSF exist. My point is that the large bulk of super money is not in these funds. The are in fixed allocation offerings that might have at most 5% cash (and can't increase that proportion). Whether you think super is good or bad, I'm thinking that the fact that over the next 10 years $4+ trillion dollars is expected to pour into these funds and they MUST buy stocks means future market price growth is already largely funded?
Nope doesn't have to be a SMSF. You just have to go online and tick a box in any super fund.
"and they MUST buy stocks "
Who says they MUST buy stocks. Show me the legislation.
all i know is i have $250k in super from 13 years of work. it can keep doing its thing for all I care. well done Mr Super.... well done!
@Peter: you don't need a SMSF, just change your allocations. It is very straight forward. Go 100% into cash if you wish.
$250K in super? Well done you.
yeah how goof is that? $250k im pretty happy with it :)
Fund Manager's tend to change their allocation to sharea after the fact. I remember getting a notice from one that they were reducing allocation in 2008/09 after the big fall. Exact opposite timing to wealth creation. We are at the start (3yrs in) of BB retiring. Give it another 5 or 6 years and see if outflows from shares kick up.
Sort of missing the point. I'm not talking about where our nation's super money COULD be, I'm talking about where it IS. It IS in fixed allocation funds for the most part. These funds might have 60% Oz stocks, 35% overseas and 5% cash. These funds can not vary that allocation for any reason.
So every month these funds receive many more millions in employee contributions that they HAVE to invest in the stock market. The can choose the stock but they can't chose not to invest it.
So while individual investors might be thinking the market is overpriced. We have the massive institutions with no options but to keep shoveling in money. ($4+ trillion over the next decade).
It seems to me that is quite enough stimulus to keep the Oz stock market going strong for a long time yet.
Peter. When individual billionaires start shorting the hell out of the ASX, that shoveled in money becomes empty bags of manure. It is credit money only. It is becoming rather evident that only a few % of stock trading companies / individuals will every make real money from the game.


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It's no secret that Iowa State student-athletes put in hours and hours of grueling practice time for the opportunity to shine on the court, mat or field.* But the student-athletes' dedication isn't over when the game or match ends.* On Friday, Nov. 3, when most students were enjoying the start of a long-awaited weekend, 22 Iowa State student-athletes spent the night volunteering with Youth and Shelter Services.
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subset: commoncrawl


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LAUREL, Md. (WUSA) -- A supermarket security guard is recovering in a local hospital after being shot inside the store Thursday night.
Corporal Larry Johnson, spokesman for the Prince George's County Police Department, says officers were called to the Bottom Dollar Food Store in the 12600 block of Laurel Bowie Road, Laurel, for a report of a shooting. Once officers arrived at the scene they discovered a security guard inside the store suffering from a gunshot wound.
Cpl. Johnson says the guard was taken to a local hospital in serious condition, however he is expected to recover.
The initial investigation indicates two armed masked men entered the store and approached the security guard. At some point there was a confrontation, and the security guards weapon was taken from him by the two assailants. That's when one of the suspects shot the security guard.
At this time it is not clear whether or not the guard was shot with his own gun.
According to Corporal Johnson, the suspects fled the store in a light blue SUV. They are both believed to be approximately 5' 9" tall.
Johnson confirms there were about a dozen customers inside the store at the time of the shooting. No one else was hurt.


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Love the Butter Cream! Leaves such a silky feel. Not greasy at all and the sent is perfect and not overwhelming. I also purchased the matching scrub. Amazing! Doesn't leave a sticky residue which alot of scrubs will. They are a perfect combo and my clients love it. Great price point for resale too! 5 stars
I got this for a fall special. It smells absolutely wonderful. However it looks like it still has some chemicals in it. Since I try to maintain all natural products for massage and bodywork. I probably won't buy this again. It also is not as smooth gliding as I'd like it to be. I need to add a little oil or other Bon Vital lotion for more glide.
Has a wonderful scent very thick and soothing and does not contain any of my many allergens, bonus!
Wonderful addition to Fall massages. Pumpkin Spice has a wonderful (not overpowering) aroma. Needed to add a bit of massage oil to it for working on areas like the back. Overall it's a great product and I would purchase again!
I love the smell and consistency. I have it for personal use.
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Inspired by the Show us your dashboard thread in the roadies forum , this thread is for posting photos of your commuter's dashboard.
Here's mine:
From left to right:
- Magellan Explorist 500 GPS mounted using Magellan's own bike mount kit.
- 10W Halogen BLT headlight
- Water bottle mounted on right side of dual mount bracket to avoid blocking the light
- Bionx controller with Thumb throttle. The controller displays speed, odometer, distance, average speed, time and time elapsed as well as other Bionx information (charge, battery etc.)


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SAF-HOLLAND has introduced its 13.5k capacity, NEWAY LSZ Auxiliary Steerable Lift Axle Suspension System. With a 17.5-inch package size, the LSZ's revolutionary design is more than 4 inches shorter than comparable lift axles. This rugged, yet compact, design offers customers application versatility, enables easy installation and service, and provides extra frame rail space for component packaging and options.
The Super Chamber™ lift on the LSZ outperforms traditional air springs by providing a quick and reliable 4-second lift speed. This unique design is more durable than competitive lifts, and provides a stronger and more consistent lift force that keeps the axle securely stowed. The Super Chamber position provides increased protection from road hazards and easier access for servicing.
The LSZ's rolling lobe air springs are positioned at an angle, delivering a superior spring rate for increased stability and ride quality. Its parallelogram design maintains precise steering geometry while reducing tire wear. The rugged design utilizes a kingpin assembly with spherical bearings, which eliminate thrust bearings that often require shimming and reaming. As a result, service requirements are greatly reduced.
"The unique design of our LSZ offers unmatched durability and reliability for our customers," said Jack Gisinger, President of Powered Vehicles Business Unit. "Overall, the compact size combined with superior ride and low maintenance delivers improved operating efficiency."
SAF-HOLLAND, also announced it has completed a strategic branding exercise that adds focus and clarity to the SAF-HOLLAND brand and global product brands. As a result, brands are better defined and positioned to the global markets. Implementation of the new brand strategies increases SAF-HOLLAND's focus on the needs of end users.
"In order for fleets to thrive in today's world, they need to reduce downtime and keep their costs-per-mile under control," said Detlef Borghardt, CEO SAF-HOLLAND. "Our new brand strategies will help us make the greatest possible contribution to the success of our customers in the global commercial vehicle industry."
Fleets in today's competitive environment are looking for engineered solutions that are specific to their needs. With an increased focus on the needs of its fleet customers, SAFHOLLAND has adopted an internal goal to "Be the ultimate supplier of Best in Class components, systems, and services that will drive the success of fleets in commercial vehicle market," stated Borghardt. This promise will be delivered around the globe through its SAF, HOLLAND, and NEWAY brands.
Going forward, globally promoted products will be structured to one of the three core product brands. This will provide direction for brand management and optimize the communications process.
• The SAF brand will represent trailer axles and suspension systems.
• The HOLLAND brand will represent coupling and lifting technologies.
• The NEWAY brand will represent powered vehicle air suspensions.
A video is available at http://corporate.safholland.com/en/media-events/global-brandsvideo.html that provides specifics on global brand statements and positioning.
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|I'm Just Sayin'
|Written by Darci Tomky
50 fun things to do in Holyoke—round 2
Last year I gave you all a challenge that there are actually fun things to do in Holyoke. Fifty fun things to be exact.
And before you start moaning and groaning again that you and your kids are getting bored this summer and that there's never anything to do around here, keep reading. Team Enterprise has fine-tuned this list of ANOTHER 50 things to do in Holyoke this summer.
Let the countdown begin!
50. Play soccer on the turf field at Homesteaders Park.
49. De-clutter your house and make some extra money with a garage sale.
48. Mentor a child for his or her 4-H project.
47. Go mutton bustin' at a rodeo.
46. Try some international cuisine.
45. Detassle corn.
44. Go muddin'.
43. Start up a side business with your favorite hobby.
42. Get together with the ladies for a sewing bee.
41. Play extreme hide and seek—first one from the tennis courts to the skate park without getting caught, wins!
40. Play ghost in the graveyard.
39. Browse the archives at the Enterprise office. We have almost every newspaper for over a century, and I'm sure you can find some embarrassing pictures of someone you know!
38. Try a new haircut or color at a local salon.
37. Check out the laid-back Vintage Faith and Worship church service on Saturday nights at the Baptist Church.
36. Find a big tarp and a sprinkler for a homemade Slip 'n Slide.
35. Get all your musician friends together for a jam session in someone's basement or garage.
34. Plan a Sunday Funday for a family reunion or block party.
33. Play catch with a little buddy.
32. Take flowers to the cemetery.
31. Make a splash at the Holyoke Swimming Pool water exercise classes.
30. Perfect your skills at one of the sports camps this summer.
29. Take your sweetheart to the old-fashioned movie night on the Heginbotham Library lawn.
28. If you have small children, attend the Moms & Tots Playgroup with Baby Bear Hugs on Thursdays at the city park.
27. Rent the Peerless Theatre for a private movie party.
26. Plan a guided hunting trip at Newman Adventures southwest of Holyoke.
25. Buy a pass to the HHS weight room and pump some iron!
24. Rent the Camp Machasay facilities northeast of Holyoke for a retreat. Or your kids can attend one of their summer camps filled with horseback riding, ATVs and more.
23. Grab a video camera or smartphone and shoot some original footage for a YouTube video of Holyoke.
22. Send your friends on a photo scavenger hunt around town or use some fun props for a photo shoot.
21. Set up a booth to sell crops from your garden or field.
20. Buy a house to fix up and flip. Or keep it as a rental.
19. Visit the historic fireplace at the Burge Hotel.
18. Grab your binoculars and go bird watching.
17. Shop local for a new paint color or updated home décor accessories and rearrange your furniture for a fresh new look.
16. Check out a cookbook or craft idea book from the library.
15. Find a friend who owns an airplane at Holyoke Municipal Airport and get an aerial view of the city.
14. Pack a picnic and eat lunch at City Park or Homesteaders Park.
13. Play horseshoes.
12. Take your dog for a walk on one of the bike paths at the fishing pond or fairgrounds.
11. Order ice cream from Subway or Pizza p.a.d.
10. Make a reservation for fine dining at Ballyneal Golf Club.
9. Fly a kite ... there's plenty of wind around here!
8. Throw a vintage-themed backyard BBQ and movie night. I'm thinkin' mason jars, old-fashioned soda bottles, popcorn, picnic baskets and burlap banners.
7. Set up a hidden camera and pull some Candid Camera pranks.
6. Take a special someone out for a night on the town.
5. Organize a Friday Lunch Bunch with your friends or coworkers and try a different restaurant each week.
4. Adopt a kitty or puppy.
3. Put together a float for the Phillips County Fair Parade. This year's theme is "There's Country in the Air at the Phillips County Fair."
2. Try every flavor of coffee at Heidi's Coffee and Bake Shop.
And the number one thing to do in Holyoke is still ...
1. Eat a ballpark burger.
And who ever said there's nothing to do in Holyoke?!
The Holyoke Enterprise July 4, 2013


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Free HD for life (24 months for existing subs)
Posted 05 June 2010 - 05:05 PM
Master Bedroom: LG 32" 120hz LCD TV, GENIE Client
Living room: Samsung 46" 120hz LED LCD TV 7000 series, GENIE Master
Dedicated HT: Epson 8700UB projector with 150" 16:9 painted on screen and 180" 2.4:1 painted on screen, HD-DVR (HR22), Denon AVR-890, Klipsch Icon Front Speakers, Center Speaker, and Klipsch Icon Floorstanders for side and rear speakers (6 total floorstanders), subwoofer is BIC America V-1220 12" down-firing sub
Posted 05 June 2010 - 05:08 PM
Posted 05 June 2010 - 05:11 PM
Are people going through regular CSR's or retention CSR's?
I didn't play the retention game. The first rep transferred me, second rep (HD department or something) set it all up. Third rep took off cinemax I decided to cancel at the same time.
Posted 05 June 2010 - 05:21 PM
Are people going through regular CSR's or retention CSR's?
My CSR was located in Utah. Nicest lady ever. I called early 7:30 AM so not sure if she was a regular or retention. Utahans are generally very nice and polite.
Posted 05 June 2010 - 05:21 PM
No, it has to be through D* directly. Either at directv.com or through an agent to sign up is fine
I'm about to pull the trigger on autopay. 1st CSR I spoke to confirmed the $10/month credit for 24 months is how they enter it - given all conditions being in place.
She did mention that - if you prefer a specific date for the autopay, you should do it online. An agent doesn't have that particular item to change.
I may have gotten things back-asswards. I just signed up for autopay online and there never was anyplace to set payment date. Confirmation rec'd and I'm about to call and ask for the free HD.
Bingo. Though, no one [now] thinks I could specify the recurring date for withdrawal. Online or with a CSR.
But, the 24 months free HD was a piece of cake.
Edited by Ed Campbell, 05 June 2010 - 05:39 PM.
Posted 05 June 2010 - 05:27 PM
Posted 05 June 2010 - 05:28 PM
Funny, the stupidest thing I've ever seen is DirecTV's short-sighted marketing and ever-more extravagant new customer-only deals that absolutely, without a shadow of a doubt, incentivize customer turn over. The reason that's stupid is because getting a new customers cost DirecTV infinitely more than retaining an existing one and, therefore, people who bounce back and forth every year or two cost the company a lot of money. Living where I do, where sat is the only option, the vast majority of my neighbors have had both DirecTV and Dish, and go back and forth when one makes them an "offer they can't refuse." (Of the 40 or so homes in our loosely-defined neighborhood, I'd say 2/3 have more than one dish on their roof.)
I also think it's hysterical that my complaints about DirecTV's policies are labeled as "entitlement" by the very people who say they're going to call in, and keep calling, until they get this offer applied to their account. Call me disgruntled, call me a whiner, but Mr. I'm-not-concerned-about-everyone-else-because-I'm-gonna-keep-pressing-until-I-get-this-for-myself is the very definition of entitled.
I absolutely loathe DirecTV's legendary and completely random treatment of their customers, even if I have at times (by reading here and then calling in to request what others have received) benefited from it. Either make an offer available to everybody, or nobody, that fall within a definitive set of guidelines. What one CSR can offer, should be the same as the next. You shouldn't be able to call four times and get four completely different answers/offers. It shouldn't be a process of call center roulette. That complete and absolute unfairness is infuriating. Those who complain the most are not owed the best service. Again, from a business perspective, that not only creates exactly the kind of burned feeling I have, but it also costs you money, paying for the time it takes to answer multiple calls from the same person.
By the way, just for fun, I emailed DirecTV, noting I was a 12-year customer, always on the premier package who used autopay and asking if I was eligible for this current free HD deal and received the following cut-and-paste response ...
"The free HD for Life offer is only available to new customers.
"In order to find out what HD offers are available to you, please call 800-824-9081 between 8:00 AM and 8:00 PM daily. When the system asks for a Personal ID Number (PIN), enter XXX (this PIN is good for five days). We're looking forward to talking to you!
"Once again I would like to thank you for writing."
Oh and, we all already pay DirecTV HD for, with or without the $10/month fee. HD existed on DirecTV before the fee, and will continue to exist after it is, eventually, discontinued. If they raise the package rates by $10 to cover it--which I'm sure will be billed a customer-benefitial "restructuring of their programming tiers" and not a price increase--they do so only to increase their profits, not because they need that $10/customer to provide the service. Don't get me wrong, that is good business, from their side. I note it only because of the people on this forum who are always jumping in to insist that poor DirecTV HAS to charge this fee or that one in order to cover their costs and survive, as if otherwise they would be taking a loss on the services they offer us. ("They have to charge an extra fee because it costs more to provide HD." "The fee is a favor to the customers that are SD only." "They have to charge big up front receiver fees to recoup the cost of development." "Without the DVR fee they couldn't develop the software." B.S. all.) This is not a business that is living close to the margin. While there are, obviously, substantial costs involved in acquiring and distributing DirecTV's programming they'd have to cut their prices just about in half in order to be even close to barely scraping by.
Despite other comments to the contrary, you are completely correct in everything that you've said, IMO.
--Ambrose Bierce
Posted 05 June 2010 - 05:34 PM
What is the big deal about autopay? I have had autopay for the entire 10 years I have been with them. They have always charged it directly to my credit card. I have never had an issue.
There is no big deal. I just like to pay when I want to pay. Might be the day the bill cuts or as late as on the actual due date. I just like to control it is all.
since 2001
HR23-700 - Sony 60"
HR21-700 - Sony 40"
HR24-200 - Samsung 37"
Posted 05 June 2010 - 05:35 PM
1 - HR34 Genie
Directv since 1995
Posted 05 June 2010 - 05:42 PM
Whole House DVR
5LNB Slimline Dish and International Dish
Posted 05 June 2010 - 05:55 PM
I have to believe that this HD fee will be gone by then anyway.
I love this forum
Posted 05 June 2010 - 05:59 PM
I understand those not wanting to use Autopay. I personally haven't had a problem, my parents had a Nightmare with both AOL and Pegasus(when they had Direct) Parents, even closed a card once and AOL still billed it and they were billed on a closed credit card, while fighting tooth and nail to close out thier account.
There is no big deal. I just like to pay when I want to pay. Might be the day the bill cuts or as late as on the actual due date. I just like to control it is all.
I only use Autopay for, Mortgage and Car payment, and I recieved discounts on both for using Autopay, both have ending dates, only exception is Vonage, and Vonage emails me the day they process my payment. I don't like autopay on a revolving service items, that get paid one month on this date, and a different date the next month. Or if I close that account, I don't have to worry about them, missing the flag that my account is CLOSED. A problem I have had with companies like Earthlink and local Newspaper companies.
I pay every bill I have online, I still have .34 stamps, use paperless billing on all accounts, as its easier to save away, and I always get emailed the bill weeks before the due date, and plenty of time to fix a problem before it needs to be paid. I prefer to have control over when my bills get paid, prefer to keep my checkbook, balanced as I run it, instead of having to wait for somebody to post something.
Posted 05 June 2010 - 06:00 PM
Just called and got the 24 month deal. In the end this is what I got for my $145 investment in mrv:
2 Hr24's
Kept Hr22
Whole Deca house wiring
$5 off 3 months some of my movie channels
$10 off for 1 year customer loyalty reward of some sort
$10 off for 24 months of HD access
All in all I think I made out like a bandit. Sometimes it pays to fight to keep temper, at least this time it did.
1 x HR22NC-100 China 1/21/09 via component
Slimline 5 LNB connected via SWM
TV-JVC HD-52Z575 D-ila
Amp-Yamaha HR-5730
Posted 05 June 2010 - 06:02 PM
I agree. I called about another issue earlier and asked if they could change my 6 months offer to 24 months. The rep said this wouldn't be possible but encouraged me to call in when my promo expires and they will put in another 24 months then. He said "this isn't going anywhere" and also reasserted that folks with Verizon Bill Bundling (at least if you're on on autopay with them) are "completely compatible".
Well, on the advice of people on this forum, I just called, spoke with a very nice man named Charles, and he applied my $10 credit for 24 months!
I have to believe that this HD fee will be gone by then anyway.
I love this forum
You would have to think that the fee will be fazed out soon enough.
Posted 05 June 2010 - 06:10 PM
Posted 05 June 2010 - 06:10 PM
Posted 05 June 2010 - 06:11 PM
Obviously the HD access fee will die away after some time, but the DVR fee will remain, so I wasn't going to trade that off just to save $3 a month.
I mentioned some people on the forum have been able to keep their legacy package and still get the credit. She told me that it wasn't possible, so I asked if there was someone else she could ask about it. She put me on hold for a little bit and came back and told me they did an override and my account would now receive the credit, I was still on the legacy package, and the DVR service was still included. It showed up right away on my online account
Any check yet to see if getting this credit extends the contract? I am only in about 6 months into mine so I don't really care that much, but just curious
Posted 05 June 2010 - 06:23 PM
Posted 05 June 2010 - 06:25 PM
I understand those not wanting to use Autopay. Parents, even closed a card once and AOL still billed it and they were billed on a closed credit card, while fighting tooth and nail to close out thier account.
AOL is famous for this. They use to send AOL disk in the mail and anyone that signed up for the free trial was sucked in if they did not read the fine print. Email for cancel was not sufficient you had to call or send a letter and it was in very fine print. How they got away with billing closed cards is beyond me. It happened for 6 months before I found it. The card was closed so never paid attention of the statement as I was paying it down.
Posted 05 June 2010 - 06:29 PM
Opinions expressed by me are my own and do not necessarily reflect
those of DBSTalk.com, DIRECTV, Dish Network, or any other company.
There's no place like ~/
Posted 05 June 2010 - 06:31 PM
This is my first post but I had to write to thank everyone for the info on the free HD access. I just called and talked to a CSR who transferred me to another CSR. I asked if I could get the HD free for two year deal if I signed up for autopay. His response was that if I was eligible, I would get it and if I wasn't eligible, he'd make me eligible. After a few visits to his supervisor, the CSR said I could get the free HD deal. (I assume it was for 2 years and not for life). In the end, he had to send my info to billing because he said his computer wasn't able to get the credit established but said billing would get it done. Every dollar off my monthly bill helps!
Glad you had good luck with CSR roulette.
Posted 05 June 2010 - 06:51 PM
No, any credits do not extend your contract at all. Only receiver upgrades or own to leased receiver replacement will affect your contract
Your right. She didn't say I was locked into a commitment. Only that it would stay up to 24 months if kept current and don't stop service. In my case its just convienent because to do my dbl Hr24 upgrade required a commitment. They will both expire at the same time.
1 x HR22NC-100 China 1/21/09 via component
Slimline 5 LNB connected via SWM
TV-JVC HD-52Z575 D-ila
Amp-Yamaha HR-5730
Posted 05 June 2010 - 07:05 PM
Posted 05 June 2010 - 07:07 PM
I'm about to pull the trigger on autopay. 1st CSR I spoke to confirmed the $10/month credit for 24 months is how they enter it - given all conditions being in place.
She did mention that - if you prefer a specific date for the autopay, you should do it online. An agent doesn't have that particular item to change.
I may have gotten things back-asswards. I just signed up for autopay online and there never was anyplace to set payment date. Confirmation rec'd and I'm about to call and ask for the free HD.
Bingo. Though, no one [now] thinks I could specify the recurring date for withdrawal. Online or with a CSR.
But, the 24 months free HD was a piece of cake.
I've was told by a CSR that the autopay day is the day that you activate it online so your best bet is to activate it a few days after you are billed but sometime prior to your due date. Or I guess you could do it on your due date.
PI feeds SWS-8 splitter and HR 21-100 in Media Room 0x62c 3:59am 12/18/12
SWS-8 splitter feeds HR 22-100 in Family Room 0x62c 3:59am 12/18/12 wireless ethernet connection via Linksys WET610N
SWS-8 splitter feeds HR 22-100 in Master Bedroom 0x62c 3:59am 12/18/12
SWS-8 splitter feeds H 21-100 in Guest Bedroom 0x45d2 3:27am 6/27/12
Posted 05 June 2010 - 07:11 PM
Autopay=Arm Twisting
I agree. I don't care WHAT kind of deal they give me, I REFUSE to do autopay!


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Losing My Cell Phone
People always say you only learn who your true friends are when you get cancer, or your husband of two decades leaves you for his 26-year-old secretary, or you run over your own dog.
I know an easier way to get a fix on your posse. Throw your cell phone out the sunroof as you drive down the New Jersey Turnpike. Leave it wedged in your seat back on the Delta Shuttle. Or, as I did recently, do something decadent like ride a horse in the woods by yourself - not even with kids as an excuse -- with your cell phone in your back jeans pocket.
The thing must have bounced out at some point. I walked the trail twice (without the horse) and couldn't find a trace of my phone amidst the pretty fall leaves on the ground.
For hours, as the loss sunk in, I experienced waves of dread and grief. I couldn't imagine life without my contacts. It had taken me over five years to build up hundreds of critical, often unpublished numbers.
Reliable babysitters. The orthodontist's private line. The reservation number for my favorite sushi spot. Moms who would always pick up my kids from school when I got stuck somewhere. The school nurse. My best friend from summer camp who lived in Scotland.


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My 2010 C5 military (900 miles now) had a serious vibration in the footpegs starting at 50 mph. The dealer identified a loose engine mounting bolt, and it's much better now, but the left foot still buzzes as soon as I hit 55. Any suggestions?Also - the owner's manual says the tire inflation should be 18 front, 28 rear. Is this for real? I've never ridden a tire that low.
To give credit where credit is due I have learned almost all of this from Scooter Bob and am parroting his advice from our conversations and experiments.
How does the 19 inch wheel kit change this conversation? Same tire pressure?
Page created in 0.113 seconds with 36 queries.


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Adams, Janalynn � Noon, Montgomery Memorial Park Mausoleum Chapel, London.
Baldwin, Theda � 2 p.m., Chapman Funeral Home, Hurricane.
Groves, Ruby Mae � 11 a.m., Tyler Mountain Funeral Home, Cross Lanes.
Jones, Carl M. � 11 a.m., Jones Family Cemetery, Gilboa.
McDaniel, Boyd � 11 a.m., Emma Chapel United Methodist Church, Liberty.
McKinney, Michael L. � Noon, Wilson
Mustoe, Anna B. � 11 a.m., Dodd & Reed Funeral Home, Webster Springs.
Nelson, Billy J. � 11 a.m., Handley Funeral Home, Danville.
Nogoda, Francis M. Jr � 11 a.m., St. Anthony Catholic Church, Charleston.
Parsons, Linda M. � 6 p.m., Haven of Rest Memory Gardens Mausoleum Chapel, Red House.
Price, Elmer L. � 3 p.m., Blue Ridge Funeral Home, Beckley.
Ringle, Arleta � 11 a.m., Deal Funeral Home, Point Pleasant.
Shafer, Wayne C. � 1 p.m., Lewisburg Baptist Church, Lewisburg.
Simpson, Charles C. � 11 a.m., Barlow Bonsall Funeral Home, Charleston.
Snyder, Elizabeth A. � 11 a.m., Little Kanawha Independent Church, Burnsville.
Terry, Dr. Joe A. � 1 p.m., O'Dell Funeral Home, Montgomery.
Tyler, Doris Jane � 11 a.m., Fidler and Frame Funeral Home, Belle.
Woodson, Mable � 1 p.m., Shiloh Baptist Church, Charleston.


text:
Out of Stock
Item # TBK0208
Don't worry though, we have a lot more Cases in stock than that.View Similar Products
Timbuk2 Bike Travel Case $0.00
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Reviews & Community
how well will this fit a large AM or DH bike? the pictures i have found only show a rigid XC bike. is it wide enough to handle the 150mm rear spacing on my DH?
I have done some homework on your bag question, and it looks like your frame will fit, but a long travel fork will have problems. If you like to get new bike bag, please let me know, and I should be able to help out.
Is there a case that people have succeeded...
Is there a case that people have succeeded in checking as regular "checked luggage"?
I've heard the PIKA bags will work to avoid extra fees. Gavilon also makes a small bag.
Pika is a great case, but I have never avoided extra fees with it. It is clearly more than 62 linear inches by sight.
Fly Virgin. All sporting equipment flies free.
Start voting with your wallet and avoid airlines that are ripping off their passengers with these outrageous "extra" fees.


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|H1N1 reported in county
|Written by Chris Lee
H1N1 virus has been detected in Phillips County according to hospital officials and members of the Northeast Colorado Health Department (NCHD). As of last week there had been no hospitalized cases in Phillips County.
With flu season just around the corner, people are urged to receive the seasonal vaccine and the H1N1 vaccine once available, according to Tammy Hort, NCHD communicable disease coordinator.
Being proactive and staying home if symptoms are present is what people should do to help prevent the spreading of the virus.
Melissa Memorial Hospital (MMH) recently put together a flu committee and held a meeting with Deanna Herbert, NCHD public information officer and Hort. Administrator John Ayoub said the hospital wants to be proactive as they head into flu season so the committee held a meeting with Hort and Herbert.
Herbert said some of the guidelines have changed throughout the federal and state levels with regard to vaccine and testing. Their job is to educate the area hospitals.
Hort stressed the big thing to remember is to stay home and keep kids home from school if there are any symptoms present. If someone is concerned, call your physician, she said. Taking good healthy measures is important as well. Washing hands, covering coughs and keeping hydrated are all good ways to help stay healthy.
The priority groups for the H1N1 vaccine have changed because the amount of vaccine will be in shorter supply than initially thought. Pregnant women are one of the first priority groups along with people who live with or care for children younger than 6 months of age, health care and emergency medical services personnel with direct patient contact, children 6 months through 4 years of age and children age 5-18 who have chronic medical conditions.
As vaccine supplies increase, the target groups listed above will increase with all people from 6 months through 24 years of age and persons aged 25-64 who have health conditions associated with higher risk of medical complications from influenza being added.
Hort said not everyone who has the symptoms will be tested or treated because not everyone needs it. People who have a history of diabetes or other high risk types of chronic illnesses and see symptoms of the flu are urged to call their physician immediately.
Hort said the H1N1 virus spreads more easily and more quickly than the seasonal flu. She also said it is estimated roughly 5-20 percent of the population will catch the seasonal flu and upwards of 30-50 percent will acquire the H1N1 flu. It could impact a wide variety of businesses with multiple people becoming sick. "The illness is mild but the potential for it to cause some disruption we're not used to seeing is increased," she added.
MMH Director of Nursing Claudia Powell said employers should visit with employees about their sick leave policy.
Ayoub said the hospital has changed its policies a little and is asking people to look at visitation at the hospital a little more carefully. They have placed masks and hand sanitizer around the hospital including the exits to help reduce the spreading of germs.
When should someone seek help if symptoms are present? Powell said in children the warning signs are fast breathing or trouble breathing, bluish or gray skin color, not drinking enough fluids, severe or persistent vomiting, not waking up or not interacting, being so irritable that the child does not want to be held or flu-like symptoms that improve but then return with fever and worse cough.
In adults, the warning signs are difficulty breathing or shortness of breath, pain or pressure in the chest or abdomen, sudden dizziness, confusion, severe or persistent vomiting and flu-like symptoms that improve but then return with fever and worse cough.
Hort said the only reportable influenza cases are those that are hospitalized. Tests on an outpatient basis are not reported to public health.
Herbert said they are tracking hospitalized cases on the NCHD website. As of last week there had been no hospitalized cases of H1N1 in Phillips County. Powell said there have been confirmed cases in Holyoke but not hospitalized.
For more information on influenza visit www.nchd.org.


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WASHINGTON (WUSA) -- We've made it past the fiscal cliff and possible risks to the housing market. So how is 2013 looking for the value of your home? A lot could hinge on a big deadline coming up at the end of the month.
Brian Coester, CEO of Coester VMS, talks with Jessica Doyle and explains.


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I've just read the 90 pages of introduction by the translator which consists solely of context and to be honest I'm loving it. For the rest I'm going to start on a lot of classics, just got me a BB Playbook and stuffing it with free eBooks now:
- The Odyssey of Homer
- The Strange Case of Dr. Jekyll and Mr. Hyde
- A Tale of Two Cities
- Ulysses (The book most people stopped reading before the ending ever? Sounds like fun!)
- Star Wars EU since Disney said I shouldn't bother waiting for the movie
- Dracula - Bram Stoker
Any other suggestions for classics that are old enough to have lived beyond their copyright? (I do prefer my books free)


text:
Colonel Hurlbut was commissioned as a second lieutenant in the United States Air Force on 1 August 1975 through the Air Force Reserve Officers' Training Corps at Detachment 025, Arizona State University. She entered active duty on 1 October 1975 and retired as a colonel on 1 November 2001 after completing 26 years of active duty.
Colonel Hurlbut was born in Plattsburgh, New York. She earned a commercial pilot/instrument/multi-engine rating and an MA from Webster University. She belongs to the Arizona State University Alumni Association, the Military Officers Association of America and the Air Force Association. Colonel Hurlbut is married to John F. Bopp Jr. They have four children - Katherine, Brian, Kristen, and Michael.


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A 21-year-old male is dead after a crash on a dirt bike near Wallaceburg on Sunday afternoon.
Emergency responders were contacted about an accident in Dover Township shortly after 3:15 p.m.
The accident victim — Kyle Lee James of the village of Grande Pointe — had been riding dirt bikes with three other family members.
On Bear Line Road north of Mud Creek Line, the riders came upon a water-filled ditch about 13 metres (42 feet) wide.
Police said the victim's bike apparently went airborne and cleared the water, but collided with the opposite bank of the ditch.
The impact resulted in James suffering life-threatening injuries.
He was rushed to the Sydenham Campus of the Chatham-Kent Health Alliance.
Medical staff tried to save the man's life, but were unable. He was pronounced dead at the hospital.
Chatham-Kent police are continuing to investigate the accident.


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Single Edge Crack
Application ID: 988
This model deals with the stability of a plate with an edge crack that is subjected to a tensile load. To analyze the stability of exciting cracks, fracture mechanics can be utilized.
A commonly used parameter in fracture mechanics, used to predict if a specific crack will cause the plate to fracture, is the so-called stress intensity factor KI. When this calculated value becomes equal to the critical fracture toughness of the material, KIc, (a material property) then fast, usually catastrophic fracture occurs. In this model, you determine the stress intensity factor KI using the so-called J-integral.


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Aside from some clouds, a gorgeous summer day
Published: Saturday, June 15, 2013 at 12:30 a.m.
Last Modified: Friday, June 14, 2013 at 9:20 p.m.
Some clouds, but still pleasant
Today: Clear in the morning, then mostly cloudy. High of 86. Winds from the WNW at 5 to 10 mph shifting to the SSW in the afternoon. Tonight: Partly cloudy in the evening, then clear. Low of 66. Winds from the SSW at 5 to 10 mph.
For more local weather and live radar information, go to www.StarNewsOnline.com/weather.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


text:
1:4 Single-Ended, Low Cost, Active RF Splitters
Features and Benefits
Product Categories
Product Details
The ADA4304-3/ADA4304-4 are fabricated using the Analog Devices, Inc., proprietary silicon germanium (SiGe), complementary bipolar process, enabling them to achieve very low levels of distortion with a noise figure of 4.6 dB. The parts provide low cost alternatives that simplify designs and improve system performance by integrating a signal splitter element and a gain block into a single IC. The ADA4304-3/ADA4304-4 are available in a 16-lead LFCSP and operate in the extended industrial temperature range of −40°C to +85°C.
Data Sheet, Rev. 0, 11/07
Comparable Parts Click to see all in Parametric Search
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Product Lifecycle
At least one model within this product family is in production and available for purchase. The product is appropriate for new designs but newer alternatives may exist.
ADI has always placed the highest emphasis on delivering products that meet the maximum levels of quality and reliability. We achieve this by incorporating quality and reliability checks in every scope of product and process design, and in the manufacturing process as well. "Zero defects" for shipped products is always our goal.
The USA list pricing shown is for BUDGETARY USE ONLY, shown in United States dollars (FOB USA per unit for the stated volume), and is subject to change. International prices may differ due to local duties, taxes, fees and exchange rates. For volume-specific price or delivery quotes, please contact your local Analog Devices, Inc. sales office or authorized distributor. Pricing displayed for Evaluation Boards and Kits is based on 1-piece pricing.


text:
P-51 B Mustang Model Kit from Hamley's
Retailer's Description
Construct the famous P-51B Mustang fighter plane with this realistic model kit from Revell. The kit comes complete with paints, glue and brush. This model is the perfect gift for any WW2 enthusiast and collector.
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