text:
Thank You CTRL-P: Deposits Rise To Record $2.1 Trillion Over Bank Loans
It may come as a surprise to some that the total level of commercial bank loans outstanding as of the most recent week, May 22, was "only" $7.303 trillion. We say only because this number is $20 billion less than the total commercial loans outstanding as of the weeks following the Lehman failure, just before the most epic deleveraging episode in recent US history began. It is also just $600 billion higher than the cyclical lows of $6.7 trillion (net of the February 2010 readjustment of the commercial loan terminology). Why do we bring this up? Because as is well-known, loans are the primary commercial bank system asset, and in a normally functioning financial system, loan creation leads to deposit growth (and vice versa: there is a certain element of reflexivity when it comes to money creation).
So does this mean that deposits in the US financial system have been unchanged in the past nearly 5 years? Not at all. As the chart below shows, while commercial loans have flatlined, deposits, which previously used to track loans on a dollar for dollar basis, took off, and are now at $9.4 trillion (as per the latest H.8), or $2.2 trillion more than the $7.2 trillion when commercial banks loan hits a record in October 2008, just after Lehman filed. What's more notable, is that as of the latest week, the excess of deposits over loans just hit an all time record of $2.079 trillion (we exclude the one week outlier from March 27 as this was a seasonal adjustment aberration).
So what gives? Quite literally, the Fed.
Recall that in a fiat system, money is created either by commercial banks (mostly: but only when there is demand for money), or by the Federal Reserve, which creates money out of thin air (in the form of fungible reserves - a Fed liability), while purchasing "high-quality collateral" such as TSY or MBS as the corresponding asset. Indeed, the chart below shows the very close correlation between the deposit over loan excess since the Great Financial Crisis, and the total amount of reserves created, in this case represented by assets purchased by Bernanke.
The problem with the latter is that Fed money creation is a "supply-push" form of liquidity creation, unlike commercial loans which are "demand-pull" which means the Fed "shotgun" injects liquidity and hopes and prays it finds its way to a consumer who, however, has no monetary preference. Hence "trickle down" and why the bulk of the $2.5 trillion in money created by the Fed has ended up in the stock market (and quite levered at that).
It also means that banks, stuck with massive excess deposits on their books (recall "The "Big Three" Banks Are Gambling With $860 Billion In Deposits") have no choice but to use this capital and gamble with risk assets. JPM publicly disclosed as much in the aftermath of the London Whale fiasco.
All of the above is important because there still is confusion about this process four years after QE began.
Only this past week, Steve Keen, an economist whose views we respect, wrote: "So the 'printing money' moniker that critics give to QE is misguided: it actually creates no additional money at all (outside of the gain banks will make on the repo deal). For money to really be created, QE would have to go directly to the Deposits of the public in the private banks, and that's not what QE does." Actually, that's exactly what the evidence above shows QE has done.
The only difference is that in the absence of IRR>0 opportunities for entrepreneurs, and for capital allocators in the broader economy, not to mention a still pervasive distrust of the TBTF banking system, deposit holders (without prejudice for just who it is these deposits belong to) opt to keep their money in the banks in the form of increasingly more unsecured (see Cyprus) zero interest bearing deposits, instead of allocating it to various capital intensive projects. One need to only look at the collapse in CapEx (and the surge in the balance sheet gimmick of stock buybacks) to understand why this is happening from a corporate standpoint.
The irony is that the longer the Fed remains in the market, the greater the differential between loans and deposits will become, as lack of confidence in the system remains. It was none other than Seth Klarman who explained the simplicity of the reflexive popular thinking as follows:
Most people seem to viscerally recognize that the absence of an immediate crisis does not mean we will not eventually face one. They are wary of believing promises by those who failed to predict previous crises in housing and in highly leveraged financial institutions.
They regard with skepticism those who don't accept that we have a debt problem, or insist that inflation will remain under control. (Indeed, they know inflation is not well under control, for they know how far the purchasing power of a dollar has dropped when they go to the supermarket or service station.)
When an economist tells them that growing the nation's debt over the past 12 years from $6 trillion to $16 trillion is not a problem, and that doubling it again will still not be a problem, this simply does not compute. They know the trajectory we are on.
And when you tell the populace that we can all enjoy a free lunch of extremely low interest rates, massive Fed purchases of mounting treasury issuance, trillions of dollars of expansion in the Fed's balance sheet, and huge deficits far into the future, they are highly skeptical not because they know precisely what will happen but because they are sure that no one else--even, or perhaps especially, the policymakers—does either.
Indeed, the greater fool is long dead. And as long as the Fed remains actively involved, so will excess deposits - created indirectly by the Fed but parked at commercial banks - stay at these same banks, who see no need to create loans as they are already flooded with trillions of excess deposits which in a post-Volcker and post-London Whale world, they have increasingly fewer options to allocate.
It is only after the Fed exits, that these excess deposits have a chance of entering the economy and resulting in the much needed gradual inflation. Ironically, the longer the Fed remains, the greater the capital allocation preference will be by commercial banks to inject the fungible capital created from excess deposits into stocks.
Speaking of, has anyone seen the "inflation" in the S&P500 in the past several years?
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this analysis is like defining the results of a petri dish experiment at a lab next to Chernobyl. it's not what is on the FDIC's NGO GAAP balance sheets that are important. it's promises and guarantees made that aren't.
This is not inflationary, right?
HAHAHA...sorry all I can do is laugh at this bullshit.
Not as long as it remains as deposits. Whose deposits is key. If this makes it into mainstream cash flow, then look out.
Sorry, I don't buy the argument. Inflation is raging around the world. At least 8-10% in the US.
So banks are not banks anymore < shocker >. Nothing changes until the power returns to the savers and banker actually have to work for a living again. In the meantime, the captial and resource mis-allocation and mal-investment continues.
If a man is planning to do some evil, it doesn't benefit him, if he is sort of lucky. Imagine someone who wants to break into your home. You are not at home, but left the door open. The burglar can simply enter the house without breaking any window. He robs everything. Mission accomplished. Some time later the burglar gets arrested for breaking into a bank, because he felt encouraged by his success at your home, and is sentenced to several years of jail. He'd have been much better off, if your door would have been locked and he had given up on his try.
The burglar finding the door open is in a position similar to the one the US-Congress finds itself in. No further need to worry about deficits. Instead the plundering of the future can proceed. (Future generations left the door open ...)
This has lead several economists to the outright false conclusion, that low deficits are bad news. They believe that lower deficits lower the GDP and the average employment. They believe that the only reason, why the economy is developing in a positive way, is the government, spending money it doesn't have to purchase things it doesn't need.
The US Trust Bank calls that the "great experiment", and claims that it not only was adequate but in fact has helped the economy to "normalize". Well, folks, I'm not a financial expert, but I got a very profound knowledge of experimentation. I'll share one of my deeper insights with you: "Normal" is exactly that what you get if you do not experimentalize in any way. "Normal" derives from ... well ... you know ... normal things. If a "normal" result is desired, one would have to take care that nothing extraordinary happens, right?
So how can anyone with at least half a functioning brain think of a "great experiment" as something "normal". Clear case of split cognition, isn't it? And that straight through the middle!
I would suggest to think of the economy as maybe not being quite as normal. What shall be normal about an economy in which the great financial institutions can borrow money for negative real rates? What's normal about an economy in which incompetent entrepreneurs managed their enterprises in such a risky way that they had to be rescued by the government ... and are now rewarded with cheaper loans than any decent entrepreneur can get? Is there anything normal in an economy where the government still spends $1.60 for every dollar it gets from taxes ... and makes up most of the difference by printing?
That's no "normal" economy at all! It is crazy, it is grotesque, this "economy" has wires attached to its brain and is on a drip. The "great experiment" has just lead us into a fully experimental economy - as anyone who is familiar with experiments would have anticipated.
The word "normal" ultimately describes what happens to an economy, no matter how hard FED and government try to avoid exactly that. "Normal", that is where we will all be in the end, shortly after the "great experiment" has failed miserably ... and one would have realized that Bernanke has created a monster ... not a "normal" economy.
All that "money" just sitting there in a digital vault doing nothing. Why it sounds completly barbaric.
Recent college and high school grads can't wait to buy at the highs.
""For example, the use of fertilizer improves crop production on farms and in gardens; but at some point, adding more and more fertilizer improves the yield less per unit of fertilizer, and excessive quantities can even reduce the yield"
In which case the ammonium nitrate can then be utilized to destroy the competition and monopolies will control the price of diminished yield.
Check wiki for law of the jungle.
Economies of scale always bump in to Diminishing returns. No exceptions.
Return = Amt_Invested * (1 - e-t)
It is quite simple actually to stop this mess and put the FED in a real pickle, everyone pull as much as they can out of TBTF banks like JPM including your house loans, savings, checkings, business accounts, investments etc. Just pick one TBTF and hit it all as relentless onslaught, then short the living shit out of it. Park everything you can outside the FDIC system into local credit unions and such. Force the FED to either kill the economy or kill the TBTF bank(s) by continuing or ending QE. Pull all your investments out of the stock market also if you can. Won't happen since the problem in general is more people have invest in things the more they are willing to paper over problems and be biased that shit can keep going with the unspoken driving fear is they might have to lose something really driving them to keep dysfunctionality going by enabling it and in turn creating even worse dysfunctionality. The vicious feedback loop will continue until the system collapses or enough people refuse to participate that it collapses or is forced to reform as a matter of survival.
Yep, that's what I was saying people should do years ago, however people are mostly all sheeple so they're easily placated and re-robbed over and over again. Oh well.
Hammer them from every angle and be relentless about it. It will force them into collapse one way or the other and at the same time as the defaults start on the fractional reserve the credibility will erode at the same time. That is were the reform as a matter of personal survival and reform based on WHAT PEOPLE ACTUALLY WANT TO RESTORE CONFIDENCE comes in. It is time to force the FED to make a choice Main Street or Wall Street no more pussy footing or whining. Shit or get off the pot. They decide Wall Street is more important than the people who ARE THE COUNTRY over Wall Street which is only a subset of the overall people then that is it. Time to burn shit, targeted assassinations, rioting, throwing monkey wrenches in the works, mass protests, refusal to use the dollar for transactions. Whatever needs to be done but put all options on the table. A painful correction that brings things back into line with solid fundamentals will be tolerated and supported even if it does cause social unrest during the correction if they don't well get to work millenials and give em hell since your fucked if they don't and fucked in the short term either way.
The won't go quietly without a fight though. When that happens you get shit like this through their propaganda mouthpieces.
This article is a bit off topic but it illustrates the point.
Just look at this hit piece concerning the IRS and Tea Party types in general and how it tries to do the same to restore confidence by eroding credibility. Typical Fabian Socialist inverted logic to push statist agendas.
I'll quote the key conclusions people can read the rest for context.
"In that way, Swami says, the Internet and other media have helped perpetuate paranoia. Not only does more exposure to these alternative narratives help engender belief in conspiracies, he says, but the Internet's tendency toward tribalism helps reinforce misguided beliefs."
Exposure to alternate ideas is bad according to them. Obviously people can't use their own brains to determine what is what though unfortunately that seems to be the case with a lot of people but that is not a problem of alternate information but the education system not teaching people how to think and question things but I digress.
Psychologists aren't sure whether powerlessness causes conspiracy theories or vice versa. Either way, the current scientific thinking suggests these beliefs are nothing more than an extreme form of cynicism, a turning away from politics and traditional media — which only perpetuates the problem.
This is just so disingenious since the spend the whole article making a case that powerlessness does cause conspiracy theories and the reason why they are turning away is the exact fucking opposite because they are the fucking problem same with the TBTF banks and the FED itself. The people who keep enabling them are also the problem.
Wait, wasn't only $800 billion to $1.2 trillion actual dollars in existence as recently as 2009?
Yea this should end well I'm sure.
And where did the FED's $11T go in 2008/9, not $700B?
The Bernank said he "didn't know".
Economics is more than inflation versus deflation; it involves the economic lives of people and Bernanke's legacy for this is the transfer of wealth and opportunity from the majority of Americans to the connected and privileged insiders, who benefit from the plunder of Fed policy.
Years from now, it will be Bernanke who presided over the creation of billionaires and the destruction of America's middle class income and, perhaps, was the catalyst for this once great nation to break its bonds of financial tyranny and abolish the Fed.
For, yes, "Indeed, the greater fool is long dead."
"Statistics published in Forbes magazine's annual survey of America's billionaires expose this little known but shocking reality. In 1982 there were 13 billionaires; in 1983 … 15; in 1984 … 12; in 1985 … 13; in 1986 … 26; in 1987 … 49. Note carefully that prior to 1986 the number of American billionaires had averaged around 13." – "Feudalism…alias American Capitalism" (1990)
And by 1990, the Forbes survey reported the staggering total of 99 U.S billionaires! – "Number of Billionaires"
In 2013: "The U.S. is home to 442 billionaires, 17 more than a year ago and 320 more than China, the country with the second most 10-figure fortunes." – Forbes, Full List of Billionaires of 2013
Today, New York City alone is home to 70 billionaires, the most in the world, according to the New York Daily News. (There are 1,342 billionaires worldwide, according to Forbes' current list of The World's Billionaires.)
"More of the uber-rich live in New York City than anywhere else, according to a wealth-tracking report released Thursday (May 9, 2013).
With this conclusion: "Regardless of the reach of the new global elite, New York City remains a favorite draw."
At the same time, the "Wealth of most Americans is down 55% since the recession, says CBS MoneyWatch, and "the average U.S. household has recovered only 45 percent of the wealth they lost during the recession, according to a report released yesterday from the Federal Reserve Bank of St. Louis.
"Household wealth plunged $16 trillion from the top of the real estate bubble in the third quarter of 2007 to the bottom of the bust in the first quarter of 2009. By the last three months of 2012, American households as a group had regained $14.7 trillion." But notes MoneyWatch:
"The report says almost two-thirds of the increase in aggregate household wealth is due to rising stock prices.
"This has disproportionately benefited the richest households: About 80 percent of stocks are held by the wealthiest 10 percent of the population.
"Much of the total wealth of middle- and lower-income households is based on home values, not stocks. Even though home prices have increased nearly 11 percent in the past year, they remain about 30 percent below their peak."
The economics that we are immersed in and taught, "government economics," is a lie and an excuse for their theft.
Or put another way: If you know that government is a con of thieves and murderers, then anything that emanates from them must be a lie and an attempt to coverup their crimes.
Government is "Goodfellas" writ large.
"...fuck you, pay me."
At one point EVERYBODY in Zimbabwe was a millionaire and most were BILLIONAIRES, and a good number were TRILLIONAIRES - just before the whole currency system blew up. Now peopel are panning 18 hours a day for a pinch of gold dust to buy enough food to live on.
It's not the measure of 'wealth' and income it's what that 'wealth' and income can actually buy.
There are more billionaires today - and many of them are far wealthier than their predecessors of decades ago but each dollar they hold buys far less than it used to. The super wealthy are trying to accumulate as much wealth as possible (trying to stay ahead of this loss of buying power) - oblivious to the fact that their pursuit of more wealth devalues the wealth they already have and destropys the society they live in. There will never be 'enough' to guarantee you and your family's safety in a dysfunctional collapsed society.
God Bless those billionaires. It brings a tear to the eye, the struggle they have to make just so their dollars will buy more as some other evil person creates inflation.
The truth is, paper currency or a computer entry that replicates money at will without regard to cost is a fraud. In short, it's counterfeit:
"A fiat monetary system allows power and influence to fall into the hands of those who control the creation of new money, and to those who get to use the money or credit early in its circulation. The insidious and eventual cost falls on unidentified victims who are usually oblivious to the cause of the plight. This system of legalized plunder (though not constitutional) allows one group to benefit at the expense of another."
As Ron Paul explains further: "An actual transfer of wealth goes from the poor and the middle class to those in privileged financial positions."
Why so low? Ben have a sore finger?
If the Banks lend Money it would cause Inflation. Plus, loans are too risky. It is better for them to play the Market with guaranteed 20% gains in a year due to QE.
Remember QE would stop if there is an indication of inflation. So, no lending.
sounds like it's time to start the 3rd and most powerful leg higher in silver.. I'm calling $110+ silver in the next few years
Bearer bonds are the next play. Get the cash out of the bank.
Stacks of cash will be the other option.
Same here. Every time I think about holding onto king dollah cash I find myself going out and getting what it is that I really believe in, Gold and Silver.
It's like the reason Marc Faber gave for putting a picture up of Ben Bernanke in his bathroom. If he has thoughts of selling his Gold and Silver those thoughts go away when he goes to the bathroom.
How about bearer bonds BACKED BY GOLD?
Want to buy some gold backed bonds issued by the government of one of the largest nations on earth? Can get you a deal on Imperial Russian bonds.
NOTHING paper is guaranteed.
And for rthe record.... you can't even use banknotes for toilet paper.... ask people in ZImbabwe.
Speaking of, has anyone seen the "inflation" in the S&P500 in the past several years?
Exactly. Since everyone is now required to buy stocks if the want to eat after they retire, we should be including stock prices in the CPI along with food prices.
The owners of the Federal Reserve are private bankers. And private bankers buy and sell stocks all the time. So the owners of the Federal Reserve are buying and selling stock all the time. Who says they are using their own money?
An audit might reveal whose money they are using but, of course, no audit is allowed since the Fed not only controls every aspect of the Federal treasury, it controls the Congress of the United States as well.
And if it is audited, is it so stupid as to keep records of its actual movements?
I don't think people understand what "owners of the Fed" means. It's theirs, now ours; we can't own it and we don't profit from it. They do.
And if you don't believe me, look at America's open one-way borders; the coup that tipped U.S. sovereignty into just another piece of world control – into the Keynesian dream of world socialism.
No one except a duped or bought Congress would sign a contract under the Federal Reserve Act provisions - all designed to keep complete power in the hands of the Federal Reserve Bank of New York unless under duress. IOW, the U.S. Congress looked at this contract which took away all of its constitutional power, and deliberately replaced the U.S. Constitution with the privately owned "U.S." Federal Reserve System.
Good point maybe someone needs to post some alternative inflation numbers using the shadow stats numbers factoring in the market also as part of the CPI. Great thought, simple and to the point. Do they even factor savings like 401ks as part of the CPI at all?
Rehypothacation that shizzit man.
..."resulting in the much needed gradual inflation."
A Tyler wrote that?
I need some explanation, some elaboration and elucidation on this inflation subject matter.
What is it that makes inflation "much needed"? What is "gradual" inflation, and who determines it?
No free lunch? Jamie Dimon eating a 40 course meal for lunch and sticking the Fed with the bill was free for someone. Maria Bartiromo thinks watching Jamie Dimon eating for free was just as good as getting a free lunch too.
I'm going to call it "Keen-sism". It's not Keynesianism, but it's still wrong. To come to his conclusion that QE is not increasing money supply, he throws all of the money created via POMO into what calls a "repo" account with the assumption that the banks can and will be called on to repurchase treasuries and MBS from the Fed. No way. No how.
You've taken an asset (bonds), converted it into cash. Your liabilities (deposits) are not rising as fast as your cash. You are becoming more and more deleveraged. The liability expansion at the Fed IS necessarily inflation. Your assets (bonds) wouldn't have otherwise commanded the price they did because there wouldnt have been enough money chasing them. The Fed had to create the money to monetize your assets (debt). Otherwise you would have had to have written them down even further. Preventing your balance sheet from collapsing WAS the inflation.
Monetizing an accepted collateralizing instrument has a secondary inflation effect by increasing the capacity to lend, which thankfully has not occurred at the same rate as it once did. But I'm looking at enough junk bonds to say that the quality of loans is not improving (even if the quantitatively banks are deleveraging).
This is not the "oh, the only sin here is asset price inflation". That asset price inflation is the droids you're looking for.
And the people all said, Amen.
Quote :
"Inflation is theft of labor by dilution. One should understand that the taxation/enslavement/inflation/property-seizure axis has one common denominator and one goal only: State seizure of labor…
"After centuries of government meddling in coinage and debasement, the stage was set for the introduction of the least understood and greatest scam in the annals of history; governmentally issued paper.
"When governments place their name on money, they are placing their name on the most generic form of private property, on the most commonly exchanged commodity. This is no different than if government placed its name on all clothing, houses or humans. The most damaging consequence of this action is that governments have take control of the most exchangeable form of life, which is the most important aspect of money and its relationship to trade. Money makes the real medium of exchange more convenient. Based on this fact, government has placed it name on man's greatest physical instrument of morality. It not only captured the most liquid form of productive labor, it imposed its name on the atmosphere that surrounds the free and honest dealings among men." – Hugh A. Thomas, STORED LABOR A New Theory of Money
And no one except savers blinked an eye when Gluskin Sheff economist David Rosenberg agreed that the Fed should target and rob savers with ZIRP, i.e., the prime source of sound money and stored value, because by not doing so "the stock market would be hurt."
Well, didn't those savers store their labor in Federal Reserve Notes that are issued at the discretion of the Board of Governors of the Federal Reserve System? Well, apparently what the governors issue with their name on it, the governors can take away. And they did.
When there are more DEBTORS than SAVERS you have a perverse situation where inflation is WELCOMED. (and THAT was the REAL drive behind the 'free silver' movement of the late 1800's)
Those that owe money end up owing LESS.... providing that they can still earn ANY money to pay off their debts. It's one thing if you're a farmer in 1890 growing crops that can be sold at ever higher market prices while payihg off a mortgage that's fixed. It's another if you're a salaried worker in an era of high unemployment trying to pay off a mortgage and credit card bills.
Sad reality is that earnings never keep up with the rate of inflation - they lose buying power during inflationary periods so those that think they're benefitting are STILL losing.
1. We admitted we were powerless over the Fed, and that it had made our lives unmanagable.
we live now in plutocracy the money made by ben is directed to a narrow elite the portions of the economy that reward our plutocrats will do well while the overall economy will have to suffer when lbj imposed a war on a full employment economy without tax increases before the plutocracy the result inflation now inflation can come only to what rewards the elite


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Guide In Breastfeeding Adopted Babies Not only is breast feeding an adopted baby easy, the chances are that you will produce a large amount of milk. It isn't complicated to do, although it is different than breast feeding a baby you have been pregnant with for 9 months. Breast Feeding And Milk There are two objectives that are involved in breast feeding an adopted baby. The first is getting your baby to breast feed, and the other is … [Read more...]
Breast Compression – Importance And How To Use It
Importance Of Breast Compression The sole purpose of breast compression is to continue the flow of breast milk to the baby once the baby no longer drinks on his own. Breast compression will also stimulate a let down reflex and often causes a natural let down reflex to occur. This technique may also be useful for the following: Poor weight gain in the baby. Colic in the breast fed baby. Frequent feedings or long feedings. Sore … [Read more...]
Breast Feeding Benefits
Some Breast Feeding Benefits You Should Know Once you've given birth, one of the breast feeding benefits is the single most important thing you can do to protect your baby and help to promote good health. Best of all, breast feeding is free. Along with saving you money on HMR (Human Milk Replacement), breast feeding can also help you to keep your medical bills down. Babies that are fed with formula get sicker more often and more … [Read more...]
Breast Feeding And Which Foods You Will Avoid
Foods To Avoid During Breast Feeding Many women find that they can eat whatever they may like during breast feeding. Even though it's true that some strongly favored foods can change the taste of your milk, many babies seem to enjoy the varieties of breast milk flavors. Occasionally, your baby may get cranky at the breast after you eat certain foods. If you notice this happening, simply avoid that particular food. The most common offenders … [Read more...]
School – Can You Have Too Much Of It?
Importance Of After School Programs When my mom finally decided to take that plum posting as a Divisional Head, I knew I was in trouble. Her office hours stretched way beyond my school hours. And anyway, I was privy to the many discussions my parents had about 'Honey, what do we do with the kids?' Well, finally they struck gold - an educational after school program. Won't that be just grand? Kids are learning new things while parents are happily … [Read more...]
Learning Environment Of After School Programs
Learning Environment Of After School Programs Should Have There is often a trap in the words 'after school activities'. One may easily believe that since these activities are after school, they are not of much importance. But, one couldn't be more wrong. Research suggests that children pick up some of their most important skills from after school programs. That is why learning environment of after school programs is important. Children who do … [Read more...]
School Program – Successful After School Programs
Characteristics Of A Successful After School Program What marks a successful after school program? What are the things that you should look for when enrolling your child into one such program? Other than the obvious advantage of learning something new, successful programs incorporate many things that help the development of the child. Development of social skills is one of the more important objectives of a good after school program. In a … [Read more...]
School-Based Programs – After School Programs
The Need For School-Based Programs In an effort to keep children motivated and safe, the U.S. Government sets aside a good amount of fund for financing after school programs every year. A report by the U.S. Department of Education and Justice points out that after school programs are very effective and is in the interests of the society as a whole. Interestingly, it was found that Americans liked providing school-based programs in their … [Read more...]
Recreation Programs – After School Recreation Programs
What After School Recreation Programs Offer After school recreation programs can be divided into 3 broad categories: academic, recreational and social. Balanced development takes place when there is compatibility between the physical, mental as well as the educational achievements of the child. As the name suggests after school recreation programs are based on a sport or recreation. Some of the more common physical activities include football, … [Read more...]
Reading – After School Program
What To Do To Make Your Child Like Reading In a world that is slowly but surely turning away from books and getting glued to monitors or television screens, the importance of developing a passion for reading cannot be overlooked. Reading is a habit and should be established when the child is relatively young. What can you do to foster this habit? Enroll Your Child For Reading Classes: There are many well structured after school reading … [Read more...]
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subset: commoncrawl


text:
Global market in convertible currencies are traded and their conversion rates are determined. It is the world's largest financial market in which every day, on average, some one and one-half trillion dollar worth of currencies are bought and sold. Out of this only about 15 percent is traded for goods or services, the balance 85 percent is traded by the individual and institutional speculators.
Use this term in a sentence
You need to know how to assess the foreign exchange market and wait for the right time to make your moves.
I really enjoyed the foreign exchange market because it gave me a chance to see all the other forms of currency in the world.
A person who sells stocks should be very aware of the foreign exchange market's base prices on certain stacks even dealing with penny stocks.
Related Articles


text:
Transgender Activist Found Shot to Death at Westside Home
Jaworski, Alexa, The Florida Times Union
Byline: Alexa Jaworski, Times-Union staff writer
A Jacksonville activist in the transgender community was found shot to death late Wednesday on the Westside.
Terrianne Summers, 51, was found dead in the driveway at home in the 700 block of Day Avenue, said Cindy Watson, executive director of the Jacksonville Area Minority Youth Network.
Transgenders identify with both male and female characteristics.
"She was someone willing to live openly and honestly as a transgender person and, because of that, she was very well-respected," said Watson, adding that Summers would not say that she was a man and, out of respect for her knowing herself, "we refer to her as a woman."
Summers, a retired Navy lieutenant commander, organized a protest against Winn-Dixie in January after an employee was fired for cross-dressing off duty, said Monica Helms, director of Trans=Action, a transgender advocacy group based in Atlanta, and a Summers friend.
"As a leader of the gay, lesbian, bisexual and transgender community, when someone is an open transgender activist, I have to wonder about the possibility of it being a hate crime," Watson said. "We know transgender people are targeted more than any other group in the gay, lesbian and bisexual community."
Homicide detectives investigating the case were not available for more information.
MURDER ARRESTS: Two men were arrested Wednesday in the beating death of a 45-year-old man, according to the Jacksonville Sheriff's Office.
Robert Nathaniel Berrian, 27, and Cipriano Ramirez Bucasas, 26, were charged with murder in the death of Ralph Ernest Mielke, 45, who was found dead Sept. 5 at 5520 Collins Road.
Police said Berrian, Bucasas and three others went to Mielke's home looking for someone who had taken money from one of them. Police said Mielke told them the person was not there and gave them the money taken. As the two men were leaving, reports said they then began to beat Mielke, striking him in the head and kicking him.
Both suspects were transported to Duval County jail.
SENIOR BEATEN: An 86-year-old woman was found in a closet beaten and tied up in a chair early yesterday after someone wearing a black mask robbed her Como Road home, according to the Jacksonville Sheriff's Office.
The woman, whose name is not being released for her safety, told police the robber woke her up, punched her in the mouth and then tied her up with an electrical cord from a heating pad. Police found her sitting in her chair, bleeding from her mouth and arms; they took her to St. Vincent's Medical Center, where she remained last night. No information on her condition was available.
APPEAL LOST: A former medical examiner convicted of murdering his first wife by lethal injection has lost a bid for a new trial, but he has another appeal pending.
Circuit Judge Don T. Sirmons on Wednesday rejected the request from William Sybers, who was the medical examiner in Panama City when his wife, Kay, 52, died at their home in 1991. Sirmons sentenced Sybers, 68, to life in prison without parole for 25 years for first-degree murder.
Sybers was not charged until 1997. At trial, he was accused of committing the murder with an injection of succinylcholine, a muscle paralyzer used in surgeries.
Sybers' lawyers asked Sirmons for a new trial because a prosecution witness, Joe Davis, later said defense experts, who testified Kay Sybers died of asthma-induced heart failure, based their finding on different tissue slides than he was given to examine. …


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Thursday, Jul 31
July 25 – August 29: PETER GOOCH PAINTINGS Narrow, hyper-elongated paintings of abstract strips of color that playfully shift in light and color. Influenced by the formations and rhythms of movement through the landscapes surrounding the Great Lakes in Ontario, Gooch's paintings create subtle tensions between the jumps in palettes that contrast the organic surfaces within their geometric application.
Date & Time:
Thursday, July 31, 2008 - 12:52pm to Saturday, August 30, 2008 - 12:52pm
Contact Information
- B. Deemer Gallery
- 2650 Frankfort Ave., Louisville, KY 40206
- 502.896.6687
Event Time
- Thursday 31st, July 2008


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- Burkina FasoAgricultureFunding via Micro Start/AFD
Mankarga V1...Burkina FasoAgricultureFunding via Micro Start/AFD
Mankarga V1...Burkina FasoAgricultureFunding via Micro Start/AFD
Kota Wende Group
Update on Kota Wende GroupMr. MAHAMADI represents the group KOTA WENDE. He is unmarried, without children, and has no one to support. Mr. MAHAMADI has been selling phone recharge cards for three years. He gets his supplies in Tampouy and in Kolgnaba. His customers include both men and women. He want to purchase 30 recharge cards and some units (flash, sap sap, and nana express). He wants to save his profits. His ambition is to expand his phone use company and to take better care of his family (his parents).
Mr vend des cartes de recharge depuis 03ans. Il s'approvisionne à Tampouy et à kolgnaba. Ses clients sont les hommes, les femmes.
Il veut s'acheter 30cartes de recharge et des unités (flash, sap sap et nana express).
Mr veut épargner ses bénéfices. Il ambitionne agrandir sa société de vente de carte de recharge et mieux s'occuper de sa famille (ses parents).
Previous Loan DetailsMr. Mahamoudou is the representative of the Kota Wende group. He is single without children. He has one dependent. He has been transporting zinc for three years. He stocks up in Larlé. His customers are primarily gold miners. He would like to buy 1000 kg [2204 lbs] of zinc. He would like to ... More from Kota Wende Group's previous loan »
Additional Information
About Micro Start/AFDThis loan is administered by Micro Start/AFD, Kiva's first Field Partner in Burkina Faso. Micro Start/AFD's mission is to improve families' living conditions in general, and those of women in particular, by facilitating access to financial and non-financial services.
Micro Start/AFD is a professional microfinance institution offering financial services, advice, and training. One of the organization's principal aims is to collect obligatory and voluntary savings that foster clients' financial independence. Micro Start/AFD also focuses on building female entrepreneurs' skills in management and business administration and improving the living conditions in its clients' communities. More information can be found on Micro Start's Kiva Field Partner Page.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Burkina Faso
7View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Apr 17, 2013
- Listed
- May 1, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Aug 17, 2013


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Ben is definitely feeling better, and so am I.
Friday, February 21, 2014
Ben is almost back to his usual self, bouncing off the walls. (In fact, he hasn't had his meds yet today but he's pretty good with focusing. Hmm... I wonder how I can use that information...) He was pretty good yesterday, no recurrences of vomiting, but he fell asleep in the car, which he NEVER does. Still some toilet issues, so I kept him home today because it comes on so suddenly that I don't think he'd have time to get permission to go to the bathroom and then actually GET to the bathroom before things went badly, and I don't want him to be "that kid that pooped his pants in kindergarten". Even if it is because he's sick, nobody remembers that part... they just remember the worst parts.
We got our tax return, so all the stuff we've been putting off is finally getting done. I got my Fitbit, yay!! We went to Target and I found the last violet one they had, which was awesome because Fitbit isn't restocking the violet ones in stores and Target had an exclusive. I would have been ok with the black, but I'm happier with the violet. I also got the extra wristbands as my Valentine's present, and the small fits, which is serendipitous because that was the only size extra wristbands they had. We also got stuff like vitamins and toilet paper and paper towels and a toaster and a CrockPot, and Ben got a HotWheels track set. Which he played with for a bit and is now ignoring in favor of video games. Boys. :P
Speaking of going to Target, our nearest one is 10 miles away (the deprivation!), and the weather yesterday was weird. On the way home, everything was white and gray due to fog and unmelted snow. It was weird, and we made the requisite Silent Hill jokes, but it honestly was a little scary.
And this morning, after I finally got some sleep, which was WONDERFUL, I registered all three of us for the Chicago Color Run and Ben and I for the Foam Glow Run in September (it's in the evening on his birthday, so it's something we can do together and still have his party the next day... his birthday's on a Friday this year). There's still a couple other 5ks I want to register for, but those two had cheaper registration fees today, the Foam Glow in particular. I also ordered me some Wellies (rain boots) so I don't have to worry about my feet getting wet and cold in the coming months, since it looks like we're in for some sloppy, messy weather. I splurged a little and got Kamiks, which I'd only heard of when we got Ben's snow boots at Goodwill, but apparently it's a really good brand. Well, obviously it is, since Ben's been wearing his boots pretty much all winter and they're only now getting worn down a bit on the outsoles.
So, yay! Now I'm off to start dinner for tonight... CrockPot stew!! :D
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Sounds great!
827 days ago
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Glad things are going better! Maybe we can hit Target Sat if you come over. :)
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Animales Salvajes
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DURHAM, N.C. - Oconee County's Yugene Lee lost to Courtney McKim of Raleigh, N.C., 4 and 3 in the final at the Women's Western Golf Association's National Junior Championship on Friday.
Lee defeated Rene Sobolewski of Buffalo, N.Y., 4 and 3 earlier in the day in the semifinals.
Athens, GA ? Athens Banner-Herald © 2016. All Rights Reserved. | Terms of Service | Privacy Policy / About Our Ads | Content Removal Policy


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A brilliant and clever series of baseball cards by Left Field Cards that document the bizarre and unique injuries suffered by baseball players. The series is called, you guessed it, "Bizarre Injuries." We love baseball, but these players can be slightly overweight, unathletic, and a bit on the good ol' country boy side, so being bitten by a coyote is something that happens to Nolan Ryan. That doesn't happen to Ray Allen, for instance. Buy the cards here.
Tags: bizarre injuries series, left field cardsPosted at 11:06 am
In the category Headlines


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Join us for an amazing time of praise and worship.
We're so glad you're here!
Come experience our warm and welcoming church family.
Watch live online every Sunday morning at 10:00. View our Livestream
Seek first the Kingdom of God and His righteousness, and all other things will be added to you.
Matthew 6:33
Register for VBS
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Watch Live
Our Senior Pastor
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at the Cathedral
Sunday Mornings at 10:00am
Wednesday Nights at 7:30pm
Phone: 203.877.5464
Email: firstname.lastname@example.com
Contact Us Online
Cathedral | Worship & Conference Center
1455 Naugatuck Avenue
Milford, CT 06461
Ministry Headquarters &Youth Center
597 Naugatuck Avenue
Milford, CT 06461
© 2016 Kingdom Life Christian Church.


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Peter M. Astiz, DLA Piper LLP (US); Jane Ross, Weil, Gotshal & Manges LLP; Mark P. Tanoury, Cooley LLP
Silicon Valley remains one of the most active deal markets in the world today. The broad array of fast-growing companies - from startups to major public corporations - has long attracted top legal, investor and investment banking talent, and produced a wide variety of transactions that range from seed and venture capital financings to some of the largest and most high-profile IPO and M&A transactions in the world. We have assembled an "all-star" faculty of Valley insiders, who will share their valuable insights into this leading market, and explain how deals are done in the constantly changing technology world.


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Carlos Alberto
El Peñol, Colombia
Personal Products Sales
Loan Overview
Repayment Schedule
Carlos Alberto is a young entrepreneur who finding few employment opportunities decided to set up his own business selling accessories for women and girls. He started the business just a few months ago and given the little capital he had to set it up he's not been able to offer much variety of products.
However, he tries to get around this disadvantage by offering great service to his customers which has made him memorable in their eyes. Thanks to the good service he offers, Carlos Alberto has been able to have good sales and he hopes this will continue making up for the great amount of competition that exists in his sector.
Aiming at increasing the variety of products he offers in his business, Carlos Alberto is looking for a loan that will make it possible for him to purchase accessories for women and girls to offer a wider selection of products in his business.
Carlos Alberto hopes that his business will be very competitive and continue to stand out in his town. In addition, Carlos Alberto dreams with having a great business that he can generate employment with thus improving the living conditions of many more people.
Translated from Spanish
Kiva volunteer
View original language description ↓
Carlos Alberto es un joven emprendedor que al encontrar tan pocas oportunidades laborales decidió montar su propio negocio en el cual ofrece accesorios para damas y niñas. El negocio lo inició hace apenas unos meses, y dado el poco capital con el que fue montado no ha podido ofrecer mucha variedad en sus productos, sin embargo, esta desventaja la intenta eludir ofreciendo una gran atención a sus clientes, lo cual le ha podido generar una gran recordación en sus clientes. En su negocio, Carlos Alberto ha podido tener muy buenas ventas con el buen servicio que ofrece, y espera que esto siga compensando la gran competencia que existe en el sector. Con el ánimo de aumentar la variedad de productos que ofrece su negocio, Carlos Alberto busca que un préstamo le brinde la posibilidad de acceder a la compra de accesorios para dama y niña con lo cual pueda ofrecer una mayor variedad de productos en su negocio.
Carlos Alberto espera que su negocio pueda ser muy competitivo y siga siendo un referente en su municipio. Además, Carlos Alberto sueña con tener un gran negocio en el cual pueda generar empleo y mejorar la condición de vida de muchas más personas.
Additional Information
Important Information
This loan is structured on Kiva as a bullet loan, which means a single payment is required at the end of the loan term. By Colombian law, Kiva's partner Interactuar is required to offer borrowers loans with a variable interest rate that fluctuates with the market rate. Because fixed monthly payments are applied first to interest and then to principal, Interactuar is unable to predict upfront what portion of each repayment would go towards the loan principal. This creates a challenge with Kiva's system, which doesn't allow for unpredictable principal payments, and can result in some Interactuar clients appearing falsely delinquent. To remedy this, the loan has an end-of-term repayment plan on Kiva, but the borrower will continue scheduled monthly repayments to Interactuar, who will then pass along the principal amount to Kiva lenders. This means that you may see repayments made on this loan throughout the repayment term, as opposed to receiving repayment in full at the end of the loan term.
About Colombia
Average annual income
View loans »
Colombia Loans Fundraising
Funds lent in using Kiva
Colombia Pesos (COP) = $1 USD
A loan of $1,725 helped Carlos Alberto to buy women's and girls' accessories.
Find a Loan
Repayment Term
26 months
(Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 9, 2012
Currency Exchange Loss:
May 9, 2012


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It's lame to straightforwardly suggest new slang, so I'm probably killing this before it's even been born, but "juicebox" could maybe be the new "douchebag." What do you think? You hate it? But you could say j-box and stuff. No, please don't comment. Or do comment, make fun of it, and then it can do that full circle thing where it sucks and then it doesn't. Right? Am I being the j-box now? Oh, am I about to get a ticket for illegally j-boxing? Haha. Carrie, what have you created?!
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Lo-fi John Rich
interiorskate This is English @oakleafandacorn, no? Courage was a famous beer distillery which sadly closed its doors on its London base not that long ago. Another British institution bites the dust ;( 4y
oakleafandacorn @interiorskate yes, it was tagged English advertising when i found it. Courage is a great name for a beer. Sad to hear it's gone. 4y
interiorskate They were prob one of the biggest breweries in the country @oakleafandacorn Such is life. 4y
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CALGARY, Alberta (AP) — Vancouver defenseman Alexander Edler scored and added two assists while Roberto Luongo made 28 saves to help the Canucks rout the Calgary Flames 5-1 on Tuesday night.
Chris Higgins, Alexandre Burrows, Daniel Sedin and Cody Hodgson also scored for Vancouver (6-5-1), which kicked off a six-game road trip.
Alex Tanguay scored the lone goal for Calgary (4-5-1), ruining Luongo's shutout bid with 32 seconds left in the game.
Luongo was coming off a miserable October in which he went 3-3-1 with a 3.54 goals-against average and a meager .869 save percentage.


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Fixed PriceDelivery by November 28, 2012
I need to pull together artwork to produce an A0 sized poster for a trade display. I have some logos, tag lines and photographs that can be used and I need it quite urgently. The artwork will need to be provided in a print ready state. Please advise if you believe you can help me.
Client Activity on this Job
Last Viewed: 3 years ago
Hired: 1
About the Client
Sydney 07:21 AM
Jobs Posted
72% Hire Rate, 1 Open Job
Total Spent
5 Hires, 0 Active
Avg Hourly Rate Paid
36 Hours


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What's your favorite tire/tyre, and why?
What's your favorite tire/tyre, and why?
Fyxation Session 500 28s. I've had one flat in some 500+ miles and that was riding through pure hell (deep south Texas doesn't have the friendliest plants) off roading. They always seem to have lots of traction, look great and are bulletproof. I've skidded them, but not without a serious amount of locking it up to get there. They grip like I expect a quality tire to do.
Continental GP4000S's. They roll for days, and the ride is incredibly smooth and plush, even on 23c tires. Even though the are fast and smooth, they still grip amazingly well. Love them!
vittoria randonneur. if you ride real-world roads it's just the best feeling/lasting/performing tire for the money i'd say.
Continental Gatorskin at the front for a good compromise between puncture resistance and rolling resistance but whose cost to skid durability ratio is bit a too high to run in the rear. Soma Everwear in the rear for the generous 5mm thick thread to last a long long time riding brakeless and resist punctures via brute force; get a smaller diameter size and inflate to a higher PSI if rolling resistance is important to you.
not really worth stating that you like a certain tire unless you list all of the tires you've tried.
-michelin pro race 3: great feel around 20mph. not that supple at low speed. wouldn't use in city for daily use unless for ****s.
-continental gatorskin wire bead (700cx25): haven't had a flat yet. a little heavy with the wire bead, but good rolling resistance. not much feel. find myself going slower in corners.
-vittoria rubino pro 2: awesome, sticky feel at all speeds. takes some getting used to with the dual compound. finding cuts in the tread but no flats.
-low end kendas: came stock on my old redline 925. was going to upgrade to vittoria randonneurs, but they've held up surprisingly well.
-continental ultrasport: worst pos tire i've ever owned. tread life is nil. feel absolutely awful in the rain. avoid at all costs.
-challenge criterium tubulars: great cornering feel but not nearly enough sidewall protection for city use.
-continental sprinter tubulars: good compromise for a useable tubular. significantly better feel than a gatorskin clincher.
-vittoria rally tubulars: pos tubulars that are the same as many other low-end tires. it'll get you buy. at least they look nice.
-fps seca rs: great road feel but subpar tread life.
my favorite tires out of these are probably the vittoria rubino pro 2.
if you are comparing kendas to randos you need to try randos so you stop expousing such nonsense
agreed on gatorskins.
I like clown sous bong.
For touring/commuting-Continental contact 37mm Hold up super well, I've got about 2500 miles on mine and they still look like new. Roll super fast at about 70psi, corner well grip well in the rain, etc
For cross all a-rounder/gravel/snow- maxis raze 33mm Not ultra lightweight but not a pig either. These grip well off road but have a near continuous center tread so they roll pretty quick. For mostly road rides I'll keep them at about 65 psi in the rear and 55 in front, if I know I'm going to be spending most of my time off road I like about 10-15psi lower in each tire.
For value vitoria zafiros 23-28mm They retail for $18 at the shop I work at, they have pretty good flat protection, roll pretty quick and once again are cheap. Not great in the rain, but again are cheap.
For road riding challenge parigi-roubaix 27mm. Not every road bike can take these but if possible they are awesome! I find they run best around 105-110psi in the rear and 95-100 in front. They corner great, are fairly lightweight, and roll very quickly.
These are just a few tires that I really dig, different situations require different tires.
One topic that isn't very exciting and doesn't get talked about much is tire pressure. I think that some of my favorite tires feel like crap with the wrong pressure. The maxis raze for example feels like crap if you go much over 70-75psi. I'd be interested to hear if people have specific pressures that they like to run, or if they just go to max psi like the majority of the riding public does.
ib4 carleton asplodes on the thread title.
gatorskins are naise.
// yummygooey
So far Panaracer Pasela TGs are my favorite. Not one flat except from a goat head(which will puncture anything) and I know I have ridden through glass and a lot of other crap. They roll nicely, aren't that heavy, look good, and dont cost a ton. I'm not such a fan of Gatorskins because I got a flat on the very first ride.
Gp400s are the best I have tried. Great tires in every way but they cost a lot.
Last edited by hairnet; 04-23-12 at 09:22 PM.
My Bikes
Sport: Continental GP4000S
Sport/Durable: Continental Gatorskin or Continental Gatorskin Hardshell
Durable/Gumwall: Panaracer Pasela TG (Tourguard)
Nothing, IMO.
But in his opinion...
// yummygooey
Serfas Seca RS. I've tried these, thickslicks, and whatever cambodian sweatshop tires come on eighthinch amelias.
Serfas Seca RS are light (under 200g apiece) and in the entire time I've ridden them I have not had one flat. They're nice and grippy too. Oh and what's best is they only cost about $30 and come in a ton of colors!
What is the difference between the Pasela and the T-Serv? They look very similar.
only tire ive spent alot of time on are the serfas seca rs, They where grippy but ****ty flat protection. Flats all the friggin time.
i just recently bought gatorskins.
Just installed a set of Paselas (kevlar but not TGs, the white/cream ones). Huge improvement in ride over the big 35c Schwalbe Deltas I was riding. Like getting a new bike going from 35s to 28s. Have also had Specialized Armadillos a few years back that I thought rode like crap.
Paselas ride really nicely and the other pair I had lasted for a long time with not very many flats and they are inexpensive. Would like to try Duranos as well.
yeah thats what i rode them at lol. ive pulled many a thorn out of them, two to three flats a month on them.
ive a closet full of tubes lol


text:
User talk:Kam D. Dahlquist
From OpenWetWare
Dr. Dahlquist, I would like to know the work ethic that it takes to become a prominent scientist or member to the scientific community? Bobak Seddighzadeh 03:20, 26 January 2010 (EST)Bobak Seddighzadeh
- Bobak, scientists work very hard with long hours. One of the difficult things about being a scientist is finding a balance between work and a personal life. — Kam D. Dahlquist 21:53, 27 January 2010 (EST)
Hey Dr. Dahlquist, I was wondering what made you decide to become a professor in Biology? --Kristoffer T. Chin 15:48, 20 January 2010 (EST)
Hi Dr. Dahlquist! I was wondering how you decided to become a professor and what drew you to come work at LMU? Amanda N. Wavrin 21:12, 23 January 2010 (EST)
- Kris and Amanda, your questions are related, so I'll answer them together. I have always loved school since I was a little kid, and I always admired my teachers. So, I wanted to be a teacher since I was a little kid. Each year I advanced in school, I wanted to teach that grade, so by the time I got to college, I wanted to be a college professor. I went to college at Pomona College, which is a liberal arts college smaller than LMU. I really liked that environment because I'm not just interested in biology, but in other fields such as philosophy, ethics, politics, the arts, etc. I thought that if I could teach at a liberal arts college, I would have more opportunities to interact with colleagues in those fields in addition to teaching and doing research in biology, which I love.
- Finding a faculty position involves an element of luck. The colleges and universities that have positions open in your field at the time you are ready to look for a job is a little random. I was lucky there was a position open for someone in my field when I was looking. When I interviewed at LMU, I was impressed by the collegiality and community shown by the faculty and students. I liked how faculty were collaborative in their teaching and research. I enjoyed the time I spent having pizza with the biology students in particular. I'm very glad that I made the decision to come here. — Kam D. Dahlquist 22:03, 27 January 2010 (EST)
Hi Dr. Dahlquist, My question is how did you become so good at using computers and websites such as this? J'aime C. Moehlman 19:17, 20 January 2010 (EST)
- J'aime, in a word, practice, practice, practice. I am motivated to learn new things because it helps me with my research and teaching. I'm willing to try new things even though it can be uncomfortable at first, especially when I am first learning. I am not afraid of making a mistake or breaking the computer. I try to work with people who know more than me and I pay attention to what they do and try it myself. I first learned how to use MediaWiki about two years ago. Mostly, I just looked at other people's code and used trial and error to figure out how to do stuff. Because I have so much experience now, even with something new, I generally know how to figure things out. As you gain experience, you will be able to learn things faster. So, be willing to learn and don't be afraid to try something new! — Kam D. Dahlquist 22:08, 27 January 2010 (EST)
What's up, Dr. Dahlquist? (I had to use a different greeting than the two before me) Anyway, if you could choose one place in the world to live for a year, where would it be and why? --Alex J. George 00:17, 21 January 2010 (EST)
- Alex, hmmmm. My favorite place that I lived in the past was Santa Cruz, where I went to graduate school. I was sad to leave there after living there for four years. It was a beautiful place to live, next to the beach and mountains. Also, it had a lot of book stores, good restaurants, and whole food stores (the real kind that sells grains in bins, not the Whole Foods chain). Two years ago, my husband and I traveled in Austria because I went to a conference held in Vienna. I thought that Vienna would be a great European city to live in--great art, great music, great public transportation, great coffee and chocolate, but what we really liked was the lake district around Salzburg. It seemed like it would just be a very beautiful place to live. — Kam D. Dahlquist 22:15, 27 January 2010 (EST)
Good Afternoon Dr. Dahlquist, My question is if you were given the opportuinty to switch careers would you do so? And if you would what would it be and why? *Salomon Garcia Valencia 18:27, 23 January 2010 (EST):
- It's hard for me to imagine a life in which I wasn't doing science. All the things I could imaging switching to still involve science somehow. I'm becoming more and more interested in politics and government. AAAS offers fellowships for scientists to be advisors to the federal government for a year (either working for Congress or the Executive branch) and I might apply to do that sometime. I'm also interested in investigative journalism, which is going away now that newspapers are dying. My favorite non-science job I've ever had is working at an independent book store (although those are going away, too). — Kam D. Dahlquist 22:20, 27 January 2010 (EST)
Dr. Dahlquist, what is your philosophy of teaching? How has this philosophy changed (if it has) over the course of your career? Janelle N. Ruiz 03:12, 24 January 2010 (EST)
Hello Dr. Dahlquist, I wanted to ask if you hope to center on teach Bioinformatics full time at Loyola if you had a choice. I know that you were a great professor for Cell Function, but i feel as we got into Bioinformatics things got even better and seemed to be a very strong fit. Again, this would be only if it was your choice to fully teach Bioinformatics, or do you prefer teaching both? Kevin A Paiz-Ramirez 9:15 pm, 24 jan 2010 (EST)
Hi Dr. Dahlquist, I was wondering what was your first course that made you so interested in Bioinformatics? Also, what were your strategies in developing your skills? 00:26, 25 January 2010 (EST) Ryan N. Willhite
Hello, Dr. D. What are you favorite and least favorite aspects of having a career in academia? Angela A. Garibaldi 23:47, 25 January 2010 (EST):
Besides the areas of your research (including Bioinformatics, ribosome structure, yeast, etc.) what other aspects of Biology interest you the most? Michael R. Pina 11:19, 26 January 2010 (EST)


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Top Definition
Beyond the boundaries and exceeding the limits of nice. Spoken with emphasis when describing something particularly awesome.
"That freshly waxed fire truck that was rolling down the street looked really noice!"
додав Alpha Ape 7 21 Серпня 2009
Photos & Videos
nice only sort of australian
leah: "im going to stick my finger up your buthole"
me: NOICE!
me: NOICE!
додав Karissa 23 Травня 2004
nice, but better in every way possible.
pronounciation: noyce
pronounciation: noyce
-"i just got a really tiny shoe in the mail."
додав Scott V 08 Квітня 2006
The cool way that aussies say the word nice.
Damn check the rack on that now thats noice!
додав gmau 15 Січня 2004
"nice!", but said like a meathead for effect
I got a C+ in Basic Math. Noice!
додав Herb N. Dictionary 28 Жовтня 2002
To be beyond the regular limits of nice. To be nice, and then exceed the status. First introduced by the Beastie Boys.
Dag, that girls ass wasn't just nice, it was NOICE.
I get NOICE.-Beastie Boys
I get NOICE.-Beastie Boys
додав Cracka-B A.K.A Billy Blam 16 Березня 2003
better than nice, usually used to describe an action or idea, the o is normally elongated and exagerated to make it "noooooooooice"
"dude, noice!", "that z06 is noice"
додав pat{tada} 09 Вересня 2006


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Skip to comments.The Republicans Have Failed the Nation
Posted on 12/13/2012 2:15:52 PM PST by neverdem
Over the next couple of years, Barack Obama wants to raise the national debt to $18.9 trillion or so.
John Boehner, Mitch McConnell, and the congressional Republicans want to raise the national debt to $18.4 trillion or so.
The present leadership of the Republican Party has gone from making the case that government is the problem and the American people are the solution to making the case that Democratic controlled government is the problem and Republican controlled government is the solution.
By giving up on making the case that government is the problem and pivoting to "Democrats are the problem," the Republican Party has failed the American people. Historically, when parties lost, their leadership went and hid for an appropriate amount of time under a rock after an acceptance of blame and a resignation.
The present Republican leaders in Washington, instead of hiding under a rock, have taken to standing on the rock and demanding conservatives self flagellate. Neither John Boehner nor Mitch McConnell are visionaries. They are survivors. They survive by recognizing the biggest threat to them and trying to befriend it or neutralize it.
Right now, both see conservatives as their biggest threat, not Barack Obama. Why? Because while Barack Obama maintains the White House, John Boehner and Mitch McConnell maintain their positions of power. They exist for power, not for vision. The visions they articulate are routinely backpedaled. Remember the pledge to nowhere the House Republicans concocted in 2010 as a second coming of the Contract With America? Within two months of returning to the majority they'd already ditched their pledge faster than a frat boy fleeing a one night stand. Only conservatives wish to hold them accountable for their breach of trust, thus conservatives are the threat.
The very same Republican leadership who paved the way for the rise of the Democrats in 2006 through moral opaqueness on the role of government in the lives of Americans now seek to shut up and shut out the conservatives who continue to loudly point out that the size and scope of the federal leviathan has grown too unwieldy. More troubling, with the removal of the several of the critics within the party from key committees and a clear message that loud voices of conservatism will not get plumb committee assignments, the incoming freshman class and even the current conservative leaders in the House of Representatives have rolled over.
Let us not kid ourselves. The Republicans intend to strike a last minute deal to cave. They will. They are going blind in the bathroom over the idea of bifurcating tax cuts so Barack Obama can veto the tax cut for high income earners and let the rest slide through. It is, as usual, a too clever by half compromise from the GOP, which has spent more time out negotiating itself to the left than negotiating with the Democrats.
The compromise is no longer the issue. It will happen.
The issue is that the Republican leaders who will be in charge in January are the Republican leaders who were directly complicit in the construction of the fiscal cliff and were directly complicit in getting us already to $16 trillion in national debt. Democrats are not to blame; both parties in Washington are.
Obsequious praise for small government does the Republicans no good when they too are in favor of big government in their actions. And having two leaders as the face of the party who have both been in Washington since 1986 does no good restoring credibility when these multi-decade residents of the swamp wink and smile that they really do think Washington is the problem.
Is it any wonder the American people have come to the conclusion that government isn't so bad when the party of small government keeps expanding it too? The leaders of the party are the message, not the words. And the message does not resonate because they do not practice what they preach.
Until the Republicans change their message, they will keep losing. Changing the message means changing the men. Will 16 Republicans in the House be brave enough to stand up and say the party needs a new Speaker of the House?
This is not about the compromise. This is not about the fiscal cliff. This is not even about removing Amash, Huelskamp, Schweikert, and Jones. This is about beginning again anew a process that cannot happen when the faces of the Republican leadership have been in Washington since 1986 expanding government while preaching the need for limiting it.
We let our enemies define us by going along with the name RedState. We let the enemedia tag us with that name. Prior to 2000, the left was always RED!
Its the GOPe I'm really p*ssed at... they abandoned the parapets, threw the bolt off the gate and then turned on the people who had hired them to make a principled stand.
The GOP defined itself by nominating a man who stood for everything that they are against, from romneycare, to abortion, to gay marriage and guns, even down to the details of despising Reagan and conservatism in general, and being an actual cult leader in an anti-Christian cult.
A man who having left the republican party during the Reagan era, came to support, fund raise, and vote for democrats.
A man who snubbed 2008's veep, the tea party, and social conservatism when he restated his support for homosexuals in the military, homosexual Scout leaders, and came out against the pro-life party platform, a man who actually spent the years of his presidential campaigning, trying to create the myth of Reagan having been "adamantly pro-choice"
The Republicans defined themselves.
Principled stands are fine. Food for thought though, a grand bargain last year as compared to what we are going to get this time. Which do you think would have been better?
Good article. Thanks for posting.
One can't help but wonder if there are merely two aspects to a single party - the Ruling/Government/Washington Party: with the one sub-party nominally different so as to act as a foil for the other and to corruptly throw the fight for the other.
Both ultimately favor big government, progressivism at slightly different rates, and handing over our sovereignty to globalists. Both favor Marxism to varying degrees. Both trample on the Constitution. Neither are our friend, and in fact both have now declared us enemies.
Madison's grand experiment is over without another revolution. Everything else is merely sound and fury, signifying nothing.
If the GOPe had made a principled stand last year we'd be dealing with a lame duck president this year.
Just as the Japanese could not fail Pearl harbor on December 7, 1941, today's democrats cannot fail America. The GOP, however, is like Rear Admiral Husband E. Kimmel - asleep on the job and failing the people of our country.
Just as the Japanese could not fail Pearl harbor on December 7, 1941, today's democrats cannot fail America. The GOP, however, is like Rear Admiral Husband E. Kimmel - asleep on the job and failing the people of our country.
Romney was obviously a loser, in a race that couldn't be lost, now you have a broken, confused, directionless party that isn't even sure what it's politics are anymore, perhaps forever ruined by that disastrous choice of a democrat in all but name, your plan didn't work out, or did it?
I wish the GOPe were merely caught napping. Instead they're negotiating the number of battleships they should lose.
They probably think Kimmel should have done that. Think how much better it would have been to only sink the USS Arizona but keep the Oklahoma, to suffer heavy damage to the West Virginia, the Nevada, and the Maryland, but to keep the California, Pennsylvania, and Tennessee intact. The GOP might even have given up a couple of carriers for that deal, and called it a victory for American conservative patriotism.
If you are merely wondering, you are about 12-20 years behind the curve.
All your points make this conclusion rock solid.
The GOP-E RINOs are what the Jews call Kapos.
Heck, they defiled themselves. But Romney LOST, which is actually the most heartening thing "Republican" in a long time -- it means conservative and Republican Americans are smarter than the GOPe thought.
Obama is a skinny fraud who needed a lot of vote ginning and shenanigans to win. HE IS VULNERABLE. He and the liberals who support him are the little dog in America, WE Americans who cherish our right to self-determination and freedom from nanny state government, outnumber them in every way except in celebrities and Talking Heads in the MSM. This is a case of a little 10-lb yapper dog getting away with bossing around the 60-lb setter, because the setter hasn't figured out yet how much bigger he really is. But WHEN THAT CHANGES, when conservatives and Republicans and Americans who despise the liberal bias of the MSM, liberalism, and Obama, realize that they're BIGGER and assume the Alpha role instead of the whimpering beta-dog role the GOPe takes now -- we will reclaim a nation that is moral and prosperous in liberty.
Because they're drooling at the prospect of all that new 'revenue' themselves.
Its all theater - boob bait for bubba.
The purpose of government is to increase government.
That's their bottom line.
Hence, not a damn dime's worth of difference between Republicans and Rats.
The Nation has failed the Nation
A country gets the Government it deserves
The republican party is DEAD.....
Fine words and all, but what do you propose to do about it?
It's not like people like me—26 years old, almost no money, no job, barely scraping up $100 per week, crushing debt, only have a computer because it's how I earn what little money I can—can buy guns, ammo, and food to stockpile for the oncoming crash, like so many people are gleefully saying they'll do.
And all the 'I-told-you-so's in the world aren't going to fill the stomach of myself or my family.
So what do I do now?
(I wish I could express myself as well as you do.)
Invent a Jump-to-Conclusions Mat.
Oh yeah, I already got your stock answer, they both are the same so you didn't vote. Right?
I listened to a bit of yesterdays Mark Levin show. Many GOP state governors are fighting the Obama care implementation of healthcare exchanges in their states. The first thing Boehner does after being reelected, is run to the press to declare he is giving up on fighting Obama care. He must attend the same parties as Roberts..
Erick Erickson can blame republicans all he wants too. But the truth of the matter, imo, is that voters aren't taking the responsibility to know basic constitutonal law, particularly the Founder's division of federal and state powers evidenced by the Constitution's Section 8 of Article I, Article V and the 10th Amendment.
In fact, the Progressive Movement agenda to unconstitutionally centralize government power in DC probably wouldn't have made the strides that it has if it weren't for the inadvertent support of the Progressive Movement by Constitution-impaired voters imo.
I believe one Trent Lott got through a resolution clearing Admiral Kimmel of the liability of Pearl Harbor, right? But I had always thought Kimmel was a scapegoat.
Afraid that someone else already beat me to it.
I was hoping you'd get the reference. Just trying to lighten things up. Everyone is stressed or angry around here.
They don't want to change their massage. They threw their lot in with the libs at least six years ago. We do not have a two party system.
Very true! Both about lightening the mood and people stressed and angry. Sheesh. I'm trying to remain optimistic, but other than Jesus, it seems that everything that they taught me to depend on while growing up is falling apart
One wonders if this is a good thing in a difficult-to-swallow shell. Because admittedly, I did need to stop trusting in the things of the world as much.
I read what most are saying and I agree that the Repubs have lost their way. I would like to know if any of you have a candidate in mind? I think it is crucial that we come together with a man who would be able to carry the conservative banner and, most importantly, have the support of the good people in our Country? Is there anyone who believes we cannot ever win again, I don't but I believe we must begin to find the right person and fully support him - starting now!
You have your faith and your family, that sounds like enough to me.
the democrats, more so. but in general, yes.
This is why I became a registered Conservative. There is very little difference between the RATS and the RINOs.
How does one become a "registered Conservative"?
I disagree. Kimmel had specific intelligence, not as far as I know of the intended date for the attack, but of the general planning for a Sunday morning sunrise attack on Pearl Harbor using multiple aircraft carriers, and that information should have led to higher readiness as war so clearly approached. Kimmel was not a scapegoat. Beyond that, the Navy tradition that the commanding officer is responsible when things go wrong is a good one. Kimmel was in command, he set the standards for in-port readiness, and his fleet failed spectacularly.
Every nominee since Reagan, except for McCain, was ANTI-REAGAN in 1980, Romney actually left the republican party during the 1980 campaign.
That is sure true, it seems to be a serious situation, as the entire republican brand has been broken by this 2012 race.
A non-binding resolution exonerating Kimmel and Short and requesting that the president advance them to the ranks they'd lost passed the Senate but not the House. No president has acted on it.
If you had any evidence of that you would have produced it by now.
Don't confuse politics and bad government with surviving, you aren't going through anything unusual, just get a job and keep struggling to improve your life everyday, with luck maybe you'll have it easier in 30 or 40 years.
You don't really want to hear all of our tough life stories do you? How would you like to be in your situation and not be 26, but instead be 56, or 66?
Judging from your words, my guess is that you are going to have serious problems in life.
If you had any evidence of that you would have produced it by now.
And yet you go on repeating it with no evidence at all.
I would submit that every presidential election since 1980 and every congressional election since 1994 has been "about the Republicans".
If they governed well -- and conservatively -- they won. If they governed poorly, they got defeated.
For example, in 2006, the Nancy Pelosi, Harry Reid and the Democrats didn't win; Trent Lott and Denny Hastert and the Republicans lost. The GOP had proved itself unworthy of governing.
Examine every election after the above start points and tell me otherwise.
Eric, Eric, Eric...Spellcheck is not your friend.
A fruit is called for, not a trade.
Had we given away more last year, we would be giving away even more this year.
Weakness is weakness.
Gosh, the romneybots are showing up.
The Nation has failed the Republicans, who, whatever they may be, aren't Marxists like Obama and his gang.
Your points are well-made and I do not refute them other than to say there is a difference between getting elected and doing good for the country. I'm not questioning the election successes of the Republican Party; I've been quite happy with some of them. I helped elect some of those members of the RP.
If you read what I wrote in that post with the assurance that I speak as a conservative American loyalist and not as a Republican Party member, past or present, then you can see that I'm more interested in what's Constitutionally good for the USA, that builds up and maintains the foundations of our Nation, than in just one Party winning elections for power, prestige, money, and show.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Czechs to play US in September friendly
PRAGUE (AP) — The Czech Republic is set to play a friendly against the United States as a warm-up for its qualifying campaign for the 2016 European Championship.
The Czech football federation said Monday the game will be played Sept. 3 in Prague as the team's final game before opening qualifying against the Netherlands in Group A six days later.
Czech Republic coach Pavel Vrba says he chose to play the U.S. because of the team's attacking style under coach Jurgen Klinsmann. Vrba said "we will be tested by an offensive opponent who wants to attack. We expect from them a similar style as the Netherlands."
It will be the third match between the two teams. The Czechs won both previous encounters — 3-0 at the 2006 World Cup and 4-2 in a 2010 friendly.


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Dec. 7, 2010
SAN DIEGO - The Fresno State men's basketball team is finishing a three-game road stretch with a game at San Diego on Tuesday night (Dec. 7) at 7 p.m. Pacific.
The Bulldogs are opening the season with five of their first seven contests on the road. The game can be heard live on KMJ Radio (580 AM) and online at www.gobulldogs.com/allaccess.
Fresno State Bulldogs (1-5) at San Diego Toreros (1-6)
Date: Tuesday, December 7, 2010 (Tip Off: 7 p.m. PT)
Site: Jenny Craig Pavillion (5,100), San Diego, Calif.
Radio: KMJ 580 AM (Paul Loeffler/Randy Rosenbloom)
TV: None
Online: www.gobulldogs.com (Gametracker & Live Audio)
Next Home Game: Fresno State vs. Pepperdine [Dec. 11: 7 p.m.]
About the San Diego Toreros
The San Diego Toreros (West Coast Confernece) are 1-6 on the year, including losses in their last six games. San Diego is led by Ken Rancifer's 11.4 ppg.
Against the San Diego Toreros
Fresno State leads the all-time series with the Toreros 8-1, including a 69-37 Bulldog win last season in Fresno.
Bulldogs Looking to Turn Corner with Tough Non-Conference Slate
For the sixth chapter of the Steve Cleveland Era, Fresno State is facing a formidable non-conference road slate with five of the first seven games away from home. The Bulldogs, who are loaded in raw talent, have traveled to No. 24 BYU, UCSB, Utah and Colorado State before tonight's contest at San Diego.
LAST WEEK: Olekaibe Extends Streak, Dogs Fall at Utah and CSU
The Bulldogs' best offensive outing of the season was outgunned by the hot hands of Colorado State in Fresno State's 87-74 road loss to the Rams on Saturday night. Sophomore shooting guard Garrett Johnson hit all five of his 3-point attempts for a career-high 17 points and freshman point guard Kevin Olekaibe notched his fourth consecutive game with double-digits in scoring with a career-best 15 points. Earlier in the week, junior Bennie Rhodes paced the Bulldogs with 15 points in Fresno State's 76-63 loss at Utah on Nov. 30. Freshman Bracken Funk recorded a career-high 11 points and seven rebounds against the Utes
Cleveland Looking for 80th Fresno State Victory
As the sixth-most winningest men's basketball coach in Fresno State history, Steve Cleveland is one win away from his 80th victory with the Bulldogs. Over 14 seasons as a Division I head coach, Cleveland sports 217 career wins and six postseason appearances.
Spend the Holidays with the Bulldogs in the Save Mart Center
The Bulldogs host a five-game homestand during the holiday season as Fresno State hosts Pepperdine (Dec. 11), North Dakota State (Dec. 18), Pacific (Dec. 21), San Jose State (Dec. 29) and Nevada (Jan. 3). Tickets are available at www.ticketmaster.com.
Fresno State's Lasting Success One of West Coast's Best
Over the 32-year period (1978-2010), the numbers show that Fresno State is one of the top Division I basketball programs on the West Coast. Fresno State ranks fourth among the 33 Division I programs in wins (573) and winning percentage (58%).
"We Are Your Team!" --- For the latest Fresno State Bulldog men's basketball information, make sure to continue visiting www.gobulldogs.com.
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Albert Einstein once quipped that "education is what remains after one has forgotten what one has learned in school." I can recall few of the specifics that I was taught when I earned my business degree in the early 1990s, but some important concepts made a lasting impression on me. At the time, studying Japanese management techniques was all the rage, and one of the most intriguing claims I remember was that Western companies—and their managers—frequently fell into the trap of focusing on the solution instead of the problem.
What does this mean? Simply that most of us in the U.S. and other Western countries tend to be in such a hurry to resolve issues that we rush into fixing a problem before we have completely analyzed it. We naturally want to deal with difficult situations as quickly as possible; it seems like a waste of time to pause to spend time reviewing the problem. But without taking that step, we can easily choose a suboptimal solution—or even worse, a solution that only addresses a symptom instead of the problem's root cause.
This danger is exacerbated when there is a discrepancy between the skill sets of the individual with the problem and the individual with the solution. Employers often turn to hiring freelancers because they need an expert to solve a particular problem, but rather than spelling out the problem and letting freelancers suggest the best solution, they put forth a proposed solution themselves. It is understandable why this happens; in most cases, the employer is (wisely) trying to be clear and specific about job requirements. But the end result this can still constrain potential proposals, and cause the employer to miss out on potentially superior ideas.
One of my main lines of work is automated data extraction and processing, and I encounter this dilemma on a daily basis. Using my custom data extraction engine, I am able to "scrape" data from websites and perform menial data entry tasks in a way that is often more accurate, faster and cheaper than using data entry clerks. Yet I often find my service a tough sell, because employers have decided what they think is the best solution, rather than focusing on the problem and seeing what solutions are available. They will say they "need a data entry person" (a solution) rather than saying they have "data they need to be entered" (a problem). I've even completed automated projects that were specifically labeled as "manual data entry jobs"—in some cases, I had to send several messages to convince the employer that yes, I really could do it automatically!
Of course, there are many freelancing disciplines where an employer can easily and correctly ascertain the specific service or product that he or she requires. But it is still worthwhile to concentrate on what the problem is that needs to be fixed, not on potential individual solutions. So ask yourself: Do you need a coder to install a particular package of software for your website, or would you be better off describing what you want your website to do, and seeing what software packages are recommended? Is it specifically a typist you require, or is the real objective to get that data from your hard-copy manuscript into Word format, in whatever is the most efficient way? Does that script have to be written in Perl, or could another language get the job done just as well?
Avoiding the temptation to jump to the solution ensures that you stay focused on the most important goal: solving your business's problem. It allows you to keep an open mind to alternatives that you may not have considered. You may end up spending a little more time sorting through proposals than you would have if you were specific up front, but you could just find yourself very pleasantly surprised by a superior solution you didn't even know existed.
Charles Kozierok obtained master's degrees in Management and Engineering from MIT in 1993. He is a freelance programmer who specializes in automated data entry and processing, as well as an author, editor and photographer.


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All Comments (13)
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anyone else think she looks like Chelsee Healey ?
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