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Written on: 13/02/2014
Very clear communication with the agent over our booking for Malta. It was so much nicer to deal with a real person than either the net or an automated service. She was very helpful - booking couldn't have been easier
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Obama Snubs Art History Majors In Speech
"Folks can make a lot more potentially with skilled manufacturing or the trades than they might with an art history degree," the president said while speaking in Wisconsin Thursday to promote stronger job training programs.
- UK chancellor George Osborne says Brexit will impact the economy but Britain faces the challenge from "a position of strength."
- What Brexit can tell us about how the U.S. presidential election is going. Note: it's not the same thing as Trump.
- Thousands flooded New York City's streets to celebrate Pride on Sunday. It was a colorful party of love and acceptance.


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ProLifeUnity.com is uniting Pro-Life organizations and individuals by supporting frequent Pro-Life united calls for life around the country and the world. Members agree to the Life Principles and will support other member efforts, including the Monthly Call for Life at MonthlyCallForLife.com through which all organizations unite once a month on the first Friday.
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3 Lt Pendant
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Coming Together for Gale Aikin Pack
Published on May 2nd, 2014 | by Reporters Desk
Melina Paris, Music Columnist April 27 brought a night of love and beautiful music to The Warner Grand Theatre for San Pedro's beloved Gale Aikin Pack. Gale was diagnosed with cancer. Her family, friends and community [&hellip... Read More →


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What does ROPAL stand for?
ROPAL stands for Registry of Peoples and Languages (database)
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- Abbreviation Database Surfer
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Jake Thomas Now…
Guys, this is CRAZY. Jake Thomas actually played a young Hugh Hefner in a TV movie called Hefner: Unauthorized. Whaaaat?! Who saw Matt McGuire doing that? Not me! Anyway, since Lizzie McGuire ended, he's made a bunch of quick appearances in shows like Secret Life Of The American Teenager, CSI, Criminal Minds and NCIS. Even cooler? He released an album called Now And Then in the early 2000′s. Totally going to listen to it for the rest of the afternoon. Side note, he looks exactly the same as he did when he was a kid.
Where Are They Now: The Forgotten Siblings Of '90s TV Shows
Thursday, February 7, 2013
Jake Thomas Now…
Posted in: Stuff We Heart
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"Ride-sharing, in the old days, was everyone hopping in the VW bus to see [the Grateful Dead's] Jerry [Garcia]. Now it's about getting a seat on a King Air 350i "
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Business Jet Traveler » October 2010
Friday, October 1, 2010 - 6:00am
The new free Business Jet Traveler app delivers up-to-the-minute news and nearly everything else from this magazine to your iPhone or iPod Touch. To download the app, just search Apple's App Store for "BJTonline." Fresh headline news automatically updates every time you load the app. Using the customizable dock at the bottom of the screen, you can quickly navigate to articles in categories such as Bizjet Review, Fractional, Air Charter, Inside the Cabin, Safety Matters, People, Time Off and Special Reports. Touch the "more" button to see the complete list of categories.
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James L. Doty Jr.
Last month, the Community of Christ's USA National Conference made the recommendation to make "the sacrament of marriage" available to same-sex couples, as well as ordination to the church's priesthood.
The conference was held April 19-21 in the Community of Christ Auditorium in Independence, Mo. About 2,000 people attended, including 1,500 delegates, according to Kendra Friend of the church's communications and media relations team.
The church's statement said that the USA National Conference had more than the required 67 percent majority approve the following policy changes:
The 2013 USA National Conference recommends the sacrament of marriage be extended, where legal in the USA, to persons of the same sex/gender. Thus the 2013 USA National Conference recommends a change to the current policy for the USA on the sacrament of marriage.
The 2013 USA National Conference recommends that a church-recognized way for two persons of the same sex/gender to publicly express their covenant to each other be made available in places in the USA where marriage is not legal. Thus, the 2013 USA National Conference recommends a change to the current policy for the USA regarding same-sex/gender covenant commitment services where marriage is not legal.
The 2013 USA National Conference recommends allowing a priesthood call to be processed according to established procedures regardless of sexual orientation, including a person in a monogamous, committed, same-sex/gender relationship (e.g., legal marriage, civil partnership, covenant relationship) in the USA. Thus, the 2013 USA National Conference recommends a change to the current policy on ordination for the USA.
The policies must be approved by the church's First Presidency and Council of Twelve to be implemented. It is expected that changes will take up to a year to implement.
Some Community of Christ members see these policy changes as coming at an important time in the church's history.
"I look forward to being a part of Community of Christ, both for this experience and for the journey ahead," said Sharon Hannah, a member of the Community of Christ, in a video on the church's website. "It's an exciting time for us."
The Community of Christ church was formerly known as the Reorganized Church of Jesus Christ of Latter Day Saints.
Abby Stevens is an intern for the DeseretNews.com Faith and Family sections. She is a recent graduate of Brigham Young University–Idaho. Contact her at email@example.com.
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jobs near Duluth, MN
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CNA/Home Health Aide
Interim HealthCare Of Lake Superior Duluth - Duluth, MN
Required license or certification:. Certified Nursing Assistant (CNA)/Graduate of a training and competency program as required by State and Federal regulations...
Assoc Solution Center Specialist
Physio-Control, Inc. - Duluth, MN
Respond to incoming internal/external technical support inquiries for information regarding Physio-Control products and services via phone, email fax etc....
Satellite Installation Technician
AEI Dish - Superior, WI
Must possess a valid driver's license, with a driving record that meets AEI's minimum safety standard....
Guest Service Representative - Retail Store & Ticket Office
Vista Fleet - Duluth, MN
Comfortable in answering phones. Vista Fleet is the premier attraction of Duluth, MN and the surrounding area providing guests with an incredible on-the water...
Office Manager
LoanMax Title Loans - Superior, WI
We currently own and operate nearly 1,000 offices in more than twenty states nationwide. Basic computer and data entry experience....
Sales Manager
Home Choice Stores - Duluth, MN
Must have a valid state driver's license and a good driving record. Must pass entry level tests including drug screen and background check....
Senior Geotechnical/Materials Engineering Manager
American Engineering Testing Inc - Duluth, MN
Maintain valid driver's license and acceptable driving record. Professional registration with one or more state licensing board is preferable.• Ability to...
Direct Support Professional
Comfort Living - Duluth, MN
Applicants must be able to pass the DHS background study & have a valid drivers license. A Duluth Adult Foster Care Home is currently hiring both full time and...
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Slumberland Furniture - Duluth, MN
Non-Essential Functions Maintains a safe and insurable driving record that will allow for driving on company business. Merchandise Movement Incoming:....
Regis Salon Stylist
Regis Corporation - Duluth, MN
Current cosmetology or barber license as required by state/provincial regulations. Stylists at Regis provide guests with excellent service providing the full...


text:
Pathfinder Society Scenario #5–20: The Sealed Gate (PFRPG) PDF
vs. Monsters PDF
Pathfinder Society Scenario #45: Delirium's Tangle (PFRPG) PDF
Pathfinder Society Scenario #4–12: The Refuge of Time (PFRPG) PDF
Pathfinder Paper Minis—Curse of the Crimson Throne Adventure Path Part 2: "Seven Days to the Grave" PDF
Pathfinder Paper Minis(based on 2 ratings)
This set contains over 80 key NPCs and creatures from "Seven Days to the Grave", part two of the Curse of the Crimson Throne Adventure Path.
A deadly plague has struck the city of Korvosa, and its victims are not resting peacefully. Within this set you'll find plenty of undead, aquatic encounters, and commoners caught up in the chaos that's gripping Korvosa!
This set contains the following miniatures:
Artwork by Callous Jack.
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Ancient Lands, Eldritch Secrets, and Vast Riches Await in Pathfinder Adventure Card Game: Mummy's Mask,


text:
|Market Rates
Commercial Lend
90 Day
180 Day
* these represent current bank base rates, a margin will be attached to these rates for commercial deals.
|Market Rates
Commercial Lend
90 Day
180 Day
* these represent current bank base rates, a margin will be attached to these rates for commercial deals.
Located at the 'Paris' end of Collins Street in the heart of Melbourne's CBD, Perry Finance is committed to providing tailored finance solutions to developers and investors.
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A CoreLogic report has revealed the Melbourne suburbs with the highest ratio of property investors.
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Drones are so 2016, and they are increasingly being used as a tool for building inspections.
Interest rates will stay at record lows for the next ten years, according to a large broker network.


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text:
Group of children standing in heart formation
Creative #: 168654699
License type: Royalty-freeRoyalty-free pricing is based solely on the size of the product you need, not the specific use. You don't have to pay any additional royalties on a use-by-use basis. Once you license a royalty-free product, you may use it multiple times for multiple projects without paying additional fees. (Pornographic, defamatory, libelous or otherwise unlawful use of any image is, of course, prohibited.)
Collection: DigitalVision
Release info: Model released
- 10-11 Years,
- 12-13 Years,
- 6-7 Years,
- 8-9 Years,
- African Ethnicity,
- Asian and Indian Ethnicities,
- Boys,
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- Cut Out,
- Directly Above,
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- Mixed Race Person,
- Multi-Ethnic Group,
- People,
- Photography,
- Red,
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Similar imagesSearch ResultsSame series
Group Of Children Standing In Heart Formation Stock Photo10-11 Years,12-13 Years,6-7 Years,8-9 Years,African Ethnicity,Asian and Indian Ethnicities,Boys,Caucasian Ethnicity,Child,Childhood,Children Only,Color Image,Cut Out,Directly Above,Full Length,Girls,Heart Shape,Horizontal,Ideas,Indian Ethnicity,Large Group Of People,London - England,Looking At Camera,Looking Up,Love,Making,Mixed Race Person,Multi-Ethnic Group,People,Photography,Red,Studio Shot,The Human Body,Togetherness,UK,Unity,White BackgroundPhotographer Compassionate Eye Foundation/Jasper WhiteCollection: DigitalVision Jasper White


text:
Three people toasting in a garden.
Credit: AMe Photo
Creative #: 71271148
License type: Royalty-freeRoyalty-free pricing is based solely on the size of the product you need, not the specific use. You don't have to pay any additional royalties on a use-by-use basis. Once you license a royalty-free product, you may use it multiple times for multiple projects without paying additional fees. (Pornographic, defamatory, libelous or otherwise unlawful use of any image is, of course, prohibited.)
Release info: Model released
- 30-39 Years,
- Adults Only,
- Caucasian Ethnicity,
- Celebratory Toast,
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Similar imagesSearch ResultsSame series
Three People Toasting In A Garden Stock Photo30-39 Years,Adults Only,Caucasian Ethnicity,Celebratory Toast,Color Image,Day,Drink,Drinking Glass,Food and Drink,Friendship,Full Length,Group Of People,Leisure Activity,Males,Men,Mid Adult Men,Mid Adult Women,Outdoors,Party - Social Event,People,Photography,Smiling,Social Gathering,Summer,Three People,Togetherness,Vertical,Voice,Wine,Wineglass,WomenPhotographer AMe PhotoCollection: Johner Images Royalty-Free


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Hi Vir, watched yet another episode of Virtuousity!! I loved everything about it. The timeframe, the set, the content. Classic. ...
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Tips leads police to Ala. bank robbery suspect
BIRMINGHAM, Ala.- A tip led authorities early Sunday to arrest a man suspected of robbing a Fairfield bank.
FBI spokesman Paul Daymond said 40-year-old Kerry Calhoun was arrested at 3 a.m. at a house in Birmingham.
He said Calhoun was arrested on outstanding warrants but will be charged Monday in the robbery of the AmSouth Bank in Fairfield.
Daymond declined to reveal details on the outstanding warrants.
The robbery happened Saturday. A man walked into the bank and presented a note to the teller and left with an undisclosed amount of money.
Daymond said money was not recovered and that part of the case is still being investigated.
The FBI's Violent Crimes Task Force and the Birmingham Police participated in the arrest.
Copyright Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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Napa Dating and Personals
Personals are for people local to Napa, CA and are for ages 18+ of either sex.
Find someone who is right for you!
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text:
Several years ago, when I first went to Donovan for service, I was ambivalent about them. Wasn't thrilled, but wasn't angry, either. As time has passed and I've had more experience with them, I have more and more nice things to say. The people are beyond courteous, service is done as promised. The one thing I hate is the fact they don't have many parts in stock, so if they discover a problem and need to replace something, they have to order the part so you have to come back again to get it fixed, but that's pretty common anywhere you go, I'd expect. I've never bought from them but will consider in the future based on my experience with service.
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7. Cactus Country Auto Sales
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8. Sierra ToyotaProducts
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10. Richardson Motor Company
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text:
List all words that contain litre
2 words found.
List all words containing litre, sorted by length
Some random words: cwm piddle enmesh optoelectronic goer pibroch eigenmode
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text:
It's been a while since I've managed to squeeze out five minutes to update my blog, but today we managed to take some time out (being a public holiday and all) to go and cast our vote in the municipal elections.
The process reminded me of the first time I had the privilege of casting my vote in an election, which in turn brings to mind this sketch by British comedian Jasper Carrott. Enjoy!
John Lennox - "Indeed faith is a response to evidence, not a rejoicing of the absence of evidence." -* John Lennox* As Christ-followers we will always be asked to expla...
1 day ago


text:
1. Remove some filters or zoom out2. Save this search to get a heads up when new homes hit the market.
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Usher's 11-year-old stepson Kile Glover dies after being taken off life support following severe jet ski accident
- Driver of jet ski could not face more serious charges
Usher's 11-year-old stepson has died, two weeks after the child was critically injured in a boating accident.
Kile Glover passed away on Saturday morning from the injuries he obtained after being run over on July 6 by a personal watercraft on Lake Lanier, according to the Georgia Department of Natural Resources.
The Atlanta Journal-Constitution reports the young boy, whose mother is Usher's ex-wife Tameka Foster, was taken off life support by doctors, who determined that he would not recover from his injuries.
Tragic: Usher's 11-year-old stepson Kile Glover, pictured here with the R&B star and his former wife Tameka Foster, has died today following a severe jet ski accident earlier this month
Foster is said to have grappled with the
difficult decision to disconnect the life support, and is said to be
understandably 'devastated,' according to TMZ.
Kile was struck in the head during a jet ski collision while riding an inner tube on Lake Lanier in Atlanta, Georgia, earlier this month.
According to authorities, a family
friend who was riding a jet ski behind the pontoon lost control and
collided with Glover's tube.
The sad news comes as the investigation into the accident continues, with TMZ reporting it could now lead to more serious charges against the driver of the jet ski, Jeffrey Hubbard, in light of Kile's passing.
Kile was with an unidentified 15-year-old girl at the time and both children were airlifted to Children's Healthcare of Atlanta at Egleston.
Heartbroken: Tameka tweeted this picture of Kile with his younger brother on Friday
He was later declared brain dead.
Willie A. Watkins funeral home in Atlanta confirmed it was handling funeral arrangements for the young boy
A friend of the family, 38-year-old Jeffrey S. Hubbard, was allegedly operating the jet ski at the time of the collision.
Sergeant Mike Burgamy of the Georgia Department of Natural Resources said: 'A pontoon was pulling the two adolescents on an inner tube, and the personal water craft went over the top of them.'
Devastated: Usher and his ex-wife Tameka pictured her in 2007, are understood have put their differences in the wake of the devastating accident
He added about the driver: 'He was interviewed, and it's possible he may be reinterviewed.'
As news of Kile's death emerged today, a string of celebrities took to Twitter to express their condolences.
Those included pop star Justin Bieber, who Tweeted: 'RIP Kile', and Hip-hop mogul Russell Simmons, who wrote: 'I am sending every prayer I got to Tameka, Ryan, Usher and their family'.
Last week Kile's family asked for prayers as they keep a bedside vigil following the tragic accident.
Kile's family said in a statement to CNN: 'We know God's in control, and are leaning on our faith in Him and His word at this most difficult time.
'We firmly believe in the power of
prayer and ask that you all continue to pray and lift Kile up, as it's
the best way we can all support him now.'
Hospital: Usher's son passed away at the Egelston Children's Hospital in Atlanta this morning
(real name: Usher Terry Raymond IV), 33, and Foster, who divorced in
2009 after two years of marriage, were in the throes of a bitter custody
battle over their sons Usher Raymond V, four, and Naviyd, three.
But they are understood have put their differences in the wake of the devastating accident. Kile's father is Atlanta-based clothier Ryan Glover, Tameka's ex husband.
Last week it was also reported that Tameka may be forced to take her son off life support - because her health insurance coverage was about to expire.
Showing support: Hip-hop mogul Russell Simmons took to Twitter to express his condolences
Reaction from Atlanta's music world: Famous Atlanta DJ Frank Ski took to Twitter as soon as it was revealed that Kile had passed away
Reaching out: Justin Bieber who was discovered and mentored by Usher also showed his support on Twitter
Touching: Musician Eric Benet also tweeted a message to Usher and Tameka
Tameka had still not lost hope that Kile could make a recovery - despite being declared brain dead by doctors.
But while Tameka was praying for a miracle, she could only keep him on life support if her insurance company agreed to pay the enormous hospital bills, TMZ reported.
The website claimed the insurance firm had not set an exact deadline yet - but would only cover the costs for two months maximum.
The insider also added that Usher has been incredibly supportive - but has not offered to pay the medical bills and that Tameka did not see him as a 'viable financial option.'
Scene of tragedy: Kile was enjoying himself at Lake Lanier in Georgia when the accident happened
Meanwhile Investigators analysing the collision were waiting to see the outcome of his condition before they came to a conclusion surrounding the accident.
Last week Sergeant
Mike Burgamy explained
that the accident was still under investigation, and that the lead
investigators had yet to talk with the district attorney's office.
He told ABC News last week: 'I don't know what's going to happen with the 11-year-old. We're going to have to see what his condition is going to be before we present findings of the case.
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text:
High School Musical 2 Debuts Friday, August 17, 2007
For every teenager across the nation, this Friday night probably is the moment they have been waiting for so long.
Yes, it's the coming of "High School Musical 2" they are looking forward to watch on the day as the TV movie makes its debut on Disney Channel U.S. at 8:00 PM, ET/PT. The highly-anticipated follow-up to last year's hit "High School Musical", the show will then be featured Saturday and Sunday, August 18 and 19, in online and on-air programming events hosted by the movie's cast before hitting Disney Channels around the world beginning in September.
In celebrating the sequel's arrival, it is reported that Radio Disney AM910 will host a free party on August 17 beginning at 6 p.m. at the Energy Solutions Arena in downtown Salt Lake City. A screening of the flick will be telecast at 7:00 PM on a big screen in the arena's VIP room, marked by interesting games and prizes.
Prior to the TV debut, a world premiere for the movie was held Tuesday, August 14 at the AMC Theatres in the Downtown Disney District with the cast members bringing highlight to it. Spotted walking down the blue carpet were Vanessa Hudgens, Zac Efron, Ashley Tisdale, Lucas Grabeel, and Olesya Rulin, among others. Other famous names also were present, including "Hannah Montana" star Miley Cyrus and Cindy Crawford as well as David Beckham and wife Victoria Adams who brought all their sons along.
Set to repeat the success its predecessor attained, "High School Musical 2" brings back the Wildcats who are getting ready for a fun summer vacation. The plan, however, gets ruined when scheming drama queen Sharpay Evans uses her dad's connections to get Troy Bolton a job at Lava Springs, their ritzy country club, and a chance at a college basketball scholarship. This makes Troy have to turn his back on his friends and pair up with Sharpay in a musical extravaganza for the club's annual talent show, but in the end, he must decide where his loyalties truly lie.
More Vanessa Hudgens News
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- Christina Aguilera Performs 'Change' on 'Jimmy Kimmel Live!' to Support Orlando
- Justin Bieber's Music Video Vixen Xenia Deli, 26, Marries 62-Year-Old Man in Lavish Wedding


text:
Didn't you? Try Schopenhaeur, Sartre, Neitzsche, Hobbes, de Sade, de Beauvoir, Lacan. They don't, of course, deny the existence of strong human bonds. What they deny is that these bonds are really based on something that is recognisable as what we would call love. Really these bonds are based on desire for power, for pleasure, for procreation or for some unconscious drive that decieves the lover.
I won't give their arguments, because their books are readily available.


text:
Film Review: 'Mohican Comes Home'
A father and son bond through brawling and wear their hearts, as well as bad hair days, on their sleeves.
A father and son bond through brawling and wear their hearts, as well as bad hair days, on their sleeves.
Political assassination. Self-immolation. Cultural annihilation. Children working as secret police. These are just some of the horrors five young helmers envisage for Hong Kong a decade down the line.
Japanese director Shunji Iwai rudely tears up the phony promise of marriage and bourgeois life in "A Bride for Rip Van Winkle," a cruel yet riveting tale of a young wife's inexorable fall from grace.
"Have you got a mouthful?" The dish in question is deep-fried fish sperm, which Rene Redzepi — owner of one of the world's top restaurants, Noma — is ordering his apprentices to taste.
Not since "Bad Boy Bubby" has plastic wrap been put to such scary use on screen as it is in "Creepy," Kiyoshi Kurosawa's nail-biting thriller dominated by a psychopath who exerts a malevolent hold on…
E J-yong embarks on a rewarding journey into the lives of older prostitutes in Korea.
In China, life is cheap but compassion is expensive — a message that "Old Stone" delivers with caustic power through a taxi driver's misfortunes, following his refusal to follow custom and do a…
An ode to the Yangtze River, hailed as the cradle of Chinese civilization, "Crosscurrent" builds an entire 116-minute docu-fiction around an abstract metaphor that doesn't hold water.
For a psychothriller on sexual obsession and voyeurism, "While the Women Are Sleeping" comes off as glacial and antiseptic, like "Rear Window" without murder, or "Lolita" without violation.
"A radiation vacation" — as the protagonist who survived 3/11 calls her brief encounter with a German volunteer — sums up the gallows humor of Doris Doerrie's post-disaster traumedy, shot right in…
A Chinese fish story that enchants and delights.


text:
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text:
*Mike Tyson is headed back to the big screen.
[SUBSCRIBE TO EURWEB's RSS FEED]
The former boxer will follow up his cameo in "The Hangover" films with a cameo in the forthcoming "Scary Movie 5," according to reports.
He was spotted Thursday on set in Atlanta with co-star Heather Locklear.
Charlie Sheen and Lindsay Lohan play lovers in the film, while Ashley Tisdale and Molly Shannon also star.
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Shabazz Napier, from Connecticut, participates in the three-quarters-court sprint at the 2014 NBA basketball draft combine Friday, May 16, 2014, in Chicago. (AP Photo/Charles Rex Arbogast) ORG XMIT: ILCA115
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Frank Kaminsky is taking tons of great filtered Snapchat selfies while recovering from surgery
Here are eight wonderful Snapchat selfies.
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That was VERY PASSIONATE.
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"Home Run Derby style!"
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Mike Tirico says goodbye to ESPN.
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Rockets fired at Tel Aviv intercepted by Iron Dome: military
July 9, 2014 - 12:09 AMT
PanARMENIAN.Net - At least two rockets fired from the Gaza Strip at Tel Aviv on Wednesday, July 9 were shot down mid-air by Israel's Iron Dome defense system, the Israeli military said, according to Reuters.
"Initial indications suggest two rockets were intercepted above the Tel Aviv area", a military spokeswoman said after air raid sirens were heard in Tel Aviv and across central Israel.
Israel says that Hamas Islamists in Gaza have dozens of long-range rockets capable of striking deeper into Israel than ever before.
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"Exuberance is better than taste" Gustave Flaubert
In 1996, the then Chairman of the Federal Reserve, Alan Greenspan delivered the phrase "How do we know when irrational exuberance has unduly escalated asset values, which then become subject to unexpected and prolonged contractions…" during a speech on the challenges of central banking. Against the current global macroeconomic backdrop where the challenges to central banking are as acute as ever, yesterday was the current Chair of the Federal Reserve, Janet Yellen's 'irrational exuberance' moment.
In the semi-annual testimony to congress yesterday, Janet Yellen's Fed gave two very clear messages. Firstly, as Yellen painted a cautious and uncertain view of the economy, highlighting the momentum loss in the labour market and weak investment amid slow economic growth, she made it clear that the Fed is not in any hurry to enact further monetary normalisation.
Secondly (and from our perspective most significantly), the accompanying Federal Reserve Monetary Policy Report highlighted that "forward price-to-earnings ratios for equities have increased to a level above their median of the past three decades." and while admitting that equity valuations may not appear rich to current Treasury yields "equity prices are vulnerable to rises in term premiums to more normal levels". We have argued for several months now that equity prices are overvalued as a function of forward discounting and fully expect that the sentiment offered by the Fed this week will be viewed historically as a the beginning of a (perhaps historically significant) correction in equities.
"We're one, but we're not the same" U2, One
One of Europe's five Presidents, Mario Draghi, also spoke yesterday. His message was threefold. Firstly Draghi aimed to calm market concern, by making assurances that the ECB stands "ready for all contingencies on Brexit". Secondly, aiming to calm economic concern, Draghi stated that ECB action has put the recovery on a more "solid footing" and that "further stimulus is in [the] pipeline" - by this he is referring to the stimulative impact of the nascent Corporate QE programme (CSPP), and the imminent TLTRO II auctions (where banks are effectively being paid to borrow money, under certain criteria), NOT preparing markets for further stimulus. Thirdly Mario Draghi reiterated his call for national governments to implement structural reform, stating that the "ECB alone cannot make [the current] cyclical recovery structural".
He went on to suggest that the monetary union is "incomplete and fragile". This is not a good platform to deal with the possibility of Brexit (whatever probability you place on such an outcome). Brexit would likely represent the next phase in the eurozone's rolling crisis, alongside the as yet unsolved economic, debt and migrant crises.
The ECB really is a central bank that faces challenges (to paraphrase Mr Greenspan): not only has it reached the point of diminishing (or even diminished) returns on its monetary policy toolkit, Mario Draghi's cries for fiscal help are failing to convince 18 member nations - with varied and disparate national problems - of its merits.
"Success listens only to applause. To all else it is deaf" Elias Canetti
Against the current backdrop, however, the notion that the Fed may consider equities overvalued or vulnerable, or the notion that the ECB is out of monetary ammunition while its members fight their own (fiscal) battles have had little or no direct impact on financial markets. The reason for this is the Union Jack painted (bemused faced) elephant in the room. Brexit.
Sun stands still
On Monday, the annual summer solstice (from the latin solstitium, or sun stands still) coincided with another celestial event, the strawberry moon - a once in a lifetime event. The UK Referendum, whatever your viewpoint, is also a once in a lifetime event. It is possible that the 'Leave' campaign would describe the summer solstice as a day of 'never ending sunshine possibilities' and the Remain campaign as 'the nights are drawing in; we must prepare for the harsh winter'. The electorate remain split
"I guess there is no one to blame" Europe, The Final Countdown
Today, a large percentage of the UK population may be more concerned about exit from the Euro 2016 Football tournament than from the EU, however, with just a week to go until the historic Referendum, the Brexit debate is taking centre stage on a global scale. Moreover, Brexit is not just a source of uncertainty among investors and forecasters, but increasingly it has been used as a (convenient) source of blame for global policy makers.
The Bank of Japan left policy unchanged this morning, as was broadly anticipated (some had looked for further policy easing) - a decision that saw the JPY soar to its highest level in almost two years. While Kuroda stated that he "would not hesitate to take action if needed" he highlighted that the BoJ was in close contact with the BoE, amid Brexit concerns - inferred as the dominant force behind the 'safe haven' bid in the JGB market.
"With so many light years to go" Europe, The Final Countdown
In the US, the FOMC also left policy unchanged, and while the statement omitted explicit reference to international factors, the Q&A referred to the Brexit Referendum and the "great deal of uncertainty" associated with it. While the Fed left rates unchanged, the latest Summary of Economic Projections (SEP's) highlighted a sharp downgrade of growth and interest rate projections (the 'dots'). From our perspective, herein lies the important issue for markets. The Fed's reduction in medium term growth expectations and the significant downward shift in the expected path of interest rates (albeit to levels still significantly above market expectations) highlight the more secular nature of the low growth, low inflation backdrop.
Furthermore, Yellen was clear to point out that there are a number of factors keeping interest rates (and interest rate expectations) low, including the lower (and probably declining) term premium, which she suggested was likely further impacted by asset purchases by the ECB and BoJ. A lower (and flatter) US interest rate curve should in our view undermine the USD. However, against the current backdrop where JPY, EUR and GBP all have their own real and imminent concerns, expressing this view is more complex than usual.
There is, however, one area that we see as increasingly clear, rather than increasingly complex, and that is the overvaluation of equities. Irrespective of our view that the US is behind the curve on interest rates, high valuations and shrinking earnings question the near record levels for equity markets (particularly in the US).
"Will things ever be the same again" Europe, The Final Countdown
In the UK, the Chancellor and PM have been widely criticised for the scare tactics of 'project fear'. However, if we take a step back from the coalface of the global macroeconomy, it could be argued that things are not as bad as policy makers would lead us to believe. The US is growing at a solid, if unspectacular, 2-2.5% range, with a 4.7% unemployment rate, yet real interest rates are firmly in 'crisis' mode at around -1.0%. Japan has one of the highest GDP per capita rates in all developed market economies, yet its central bank remains fixated on attaining a 2% inflation target - at all costs.
In Europe, negative interest rates have demolished the business models of banking and insurance industries, ironically the sector upon which it relies for the transmission of its non-standard monetary policy activism. As the options to stimulate growth and reduce debt in the eurozone become increasingly narrow, it is likely that the most effective route (though in some sense most complex) is through fiscal measures and structural reform, and no longer through monetary channels. Tighter fiscal unity within the eurozone places a UK with its exemption from 'ever closer union' increasingly on the outskirts, even if it votes to Remain.
"And still we stand tall" Europe, The Final Countdown
As we enter the final countdown for the EU Referendum proselytising, polls (and interestingly the bookmakers odds) have clearly ebbed towards a 'Leave' vote. The connotations for financial markets are mixed. Uncertainty and illiquidity are likely to increase over the coming days. While the further dovish evolution of the Fed should undermine the USD, against GBP, EUR and JPY - at these levels - it is not clear that US dynamics will be the dominant force.
"What you risk reveals what you value" Jeanette Winterson
This morning, the 10 year German Bund yield fell below 0.00% for the first time. The concept of lending the German government money for 10 years… for nothing, was until recently an absurd concept - particularly when we consider the wide debate during the global financial crisis fallout (ironically largely by the Germans) about what should constitute the risk free rate, the cornerstone for global credit markets. A negative risk free rate makes little conceptual sense.
Against the current, nervous backdrop, it appears that every headline describes market moves as being a function of Brexit-induced risk aversion. The fact that Danish homebuyers can now borrow money for 30 years at cheaper levels than the US government surely hints at wider global economic imbalances than simply the threat of the UK leaving the EU. However, perhaps the increased focus on the possibility of Brexit has led to the beginnings of a revaluation of assets. We have long been advocates of a lower equity market, and while the focus has shifted towards the UK, global equity markets are quietly faltering - a continuation of this decline remains our strongest conviction.
"There can be no democratic choice against the European treaties" Jean-Claude Juncker
The Sun became the first national newspaper (Britain's biggest by circulation) to come out in favour of 'Leave' and in doing so highlight an important British character trait. From a psychological perspective, patronising or arrogant threats are likely to have the opposite of desired effect. "The Remain campaign, made up of the corporate establishment, arrogant Europhiles and foreign banks, have set out to terrify us all about life outside of the EU." [The Sun]
From an economic standpoint, Cass Business School professor David Blake published his own analysis of the Treasury (Long and Short term) models that predicted GDP per household would be £4,300 lower by 2030 in the case of Brexit. Professor Blake highlights a number of inconsistencies in the longer term model including the fact that UK's share of exports to the EU fell from 54% to 44% between 2006 and 2015, while the single market was deepening. His analysis suggests that the same model would also predict that the UK would be better off joining the euro and that if Scotland left the UK its trade with the rest of the UK would fall by 80%.
There's the risk you can not afford to take; there is the risk you can not afford not to take" Peter Drucker
When it comes to the short term model, professor Blake's analysis highlights that it is the underlying assumptions that dominate the Treasury's results. Their assumptions are that the economic shock would be equivalent to 50% of the shock of the global financial crisis, and that this would remain constant throughout the 2-year period after Brexit, cutting UK trade with the EU by 50%. Yet we will still be in the single market during this period. The Treasury model also assumes that there would be no policy response. Prof. Blake concludes "In short, the Treasury's reports are completely unbalanced because they consider only the benefits of staying and the risks of leaving - but not the benefits of leaving and the risks of remaining."
"The greatest enemy of knowledge is not ignorance, it is the illusion of knowledge" Stephen Hawking
As this week progresses, it is likely that volatility continues to increase (VIX - or the volatility index for the S&P 500 index - has risen sharply over the past 24 hours to its highest since the equity market turmoil of February). FOMC, BoE and BoJ meetings are likely sideshows, with all expected to hold fire. The result of the UK Referendum on the 23rd has profound binary implications for policy in the UK and US and significant implications for monetary policy in the rest of the globe. It is likely that statements this week try to walk as neutral a line as possible.
"I don't believe in everything I see" Oasis, All Around the World
The World Bank published its latest economic updates earlier this week, the main message being that the global economy is struggling to regain momentum with growth faltering in many major economies. The balance of risks is tilted to the downside.
The World Bank also highlights a growing fragility in the global economy, in the form of private sector credit, especially in the corporate sector, since 2010. Corporate earnings are fragile (EPS fell by around 8% in the US and ~20% in Europe and Japan in Q1) and it is possible that declining profit margins are one source of weakness in hiring (as highlighted in yesterday's JOLTS employment data).
"And the lies you make me say, are getting deeper every day" Oasis, All Around the World
It is very interesting, therefore, that the ECB expanded its extraordinary monetary accommodation stance directly into the corporate arena yesterday. Its purchases included multinational powerhouses such as Siemens, Renault and RWE, but also sub investment grade rated Telecom Italia (Moody's Ba1 since 2013). It could be argued that as a very liquid peripheral company, it is exactly the kind of borrower the ECB should be targeting. At the same time, while the ECB reiterated last week that it would not 'dump' its holdings if ratings fell below the initial purchase criteria, with the impact of global central bank easing significantly diminished, it could be argued that the ECB are increasing their downside (balance sheet) risks disproportionately to boosting their upside (economic) risks.
The RBNZ kept rates unchanged last night, disappointing expectations of a rate cut and a reinforced dovish bias. Instead, Governor Wheeler expressed "financial stability concerns" over accelerating house price growth and a faster than expected rebound in headline consumer prices. Despite (admittedly watered down) protestations about the strength of the currency, NZD rallied sharply in the face of the hawkish (or at least less dovish) surprise. Interest rate differentials, however, continue to suggest a significantly lower NZD over time, as does the global economic risk backdrop.
"What you gonna do when the walls come falling down?" Oasis, All Around the World
The problems facing the world's central bankers were further emphasised in South Korea overnight, as the BoK surprised markets by cutting rates, highlighting the difficulties of reviving an economy with excess savings.
Global monetary policy is at (or very close to) the point of diminished marginal utility, and the balance of risks is tilted to the downside. In this regard, it is interesting to note our recent sentiment being mirrored by George Soros who, it has been suggested, "has returned to trading, lured by opportunities to profit from what he sees as coming economic troubles" [WSJ]. Mr Soros emphasises the troubles of the eurozone (and EU) in particular, where he suggests that there is "a good chance that the European Union will collapse under the weight of the migration crisis, continuing challenges in Greece and a potential exit by the UK."
"Take me away, 'cause I just don't wanna stay" Oasis, All Around the World
We have recently stressed the point that the risks to the EUR are underpriced (at the very minimal relative to GBP and the UK). Soros added that "If Britain leaves, it could unleash a general exodus, and the disintegration of the European Union will become practically unavoidable". It is hardly surprising that bureaucrats across Europe (elected or not) have thrown their weight behind the Remain campaign.
In the markets, with the 'Fed on Hold' theme back in favour, bond yields are tumbling everywhere (10 year Germany now within touching distance of 0.00%!). In the US, real yields are at their lowest levels in over a year, weighing on the USD on a trade weighted basis, and liquidity across the currency space is increasingly diminished.
"Q2 picture is incomplete" Lael Brainard
On Friday we stated our expectation that the headline payroll number would disappoint, but not by enough to prevent the unemployment rate itself from falling further. A significant drop in the participation rate, however, meant that both the payroll number and the unemployment rate fell more than anyone expected (with downward revisions to the previous months' payroll gains) and employment slowed to 1.7% y/y. While disappointing, that may, in conjunction with a rebound in GDP in Q2, boost productivity, which has been curiously absent so far in the global economic recovery.
Herein lies the dilemma. The 'data dependent' Fed have left it so long before pulling the normalisation trigger, despite the admission of Chair Yellen last week that "a rate hike in coming months may be appropriate", that the data is starting to show signs of losing momentum. Last night Yellen pointed out that she sees "the economic positives outweighing the negatives" and, in being "cautiously optimistic that overseas headwinds are now fading", that she believes the US is "now close to eliminating labor market slack".
However, the Fed (as directly implied by Brainard, Rosengren and Yellen) will need to be sure that the May unemployment report was a one off, which means that a June hike is all but off the table. July, and September remain possibilities, however, they are now dependent on a resumption of labour market stability (strength) and a smooth passing of the EU Referendum and its impact on global economic confidence. And then there is the US Presidential elections!
The 'taper' (after the tantrum) and the first US rate hike both eventually came in December after a whole year of expectations and speculation. Putting our views as to how far the Fed are already behind the curve to one side - this year may not be any different.
"The 50:50-90 rule: Anytime you have a 50-50 chance of getting something right, there is a 90% probability you will get it wrong" Andy Rooney
Now that the prospect of a June rate rise from the Fed has all but been put to bed, there is one dominant focus for financial markets for the next couple of weeks - 'Brexit'
Last night's price action in GBP was a timely reminder that volatility and liquidity risks will become increasingly heightened as we approach the 23rd. The sharp (5am) 1% rally, without any obvious trigger also serves as a warning that the directional risks to GBP are not singularly to the downside.
Furthermore, from a technical standpoint it is important to consider the activity in the options market and its implications. Due to the potential severity of the impact of a Brexit on the value of GBP, coupled with the advance warning, it is unlikely that any corporate or exposed individual would consciously leave any exposure unhedged. The simplest (not necessarily cheapest) way to achieve this is through the options market. If we then consider that those options purchased as protection (insurance) against an adverse move in GBP will not likely be hedged (prior to the event in any case) then this leaves those who have sold these derivatives (market makers) net short of gamma (and volatility) as the only 'hedgers'. This is important, as hedging a short option has a 'negative gamma' or the need to buy when spot rises and sell when spot falls. In essence, this dynamic will increase the volatility of GBP.
"Fragility is the quality of things that are vulnerable to volatility" Nassim Taleb
"Success is going from failure to failure without loss of enthusiasm" Winston Churchill
Yesterday's ECB meeting provided very little that we didn't already know (an unchanged EURUSD exchange rate after the press conference is testament to that), however, there were a number of subtle implications that are worthy of note. Effectively, this was a holding pattern from the ECB as they await the impact of the 'kitchen sink' policy actions of March, especially those which have not yet been implemented such as the CPBB (Corporate Bond Buying Programme) and TLTRO II (the Targeted Long Term Refinancing Operation).
Mario Draghi maintained that the ECB retains ample flexibility and room for further monetary expansion (not surprising given the market reaction to his admission that interest rates are at the lower bound in March), maintaining the explicit easing bias / forward guidance. Furthermore, the staff projections pointed to higher growth and inflation for this year, yet unchanged inflation and lower growth at the 2 year 'policy relevant' horizon. This supports our view that the recovery in eurozone activity in the near term is cyclical and that structural long term weakness remains.
Draghi was clear that euro area growth prospects were being damped by subdued emerging market prospects, Brexit risks and slow structural reforms. However, he also explicitly reignited the currency issue with the reiteration of the ECB lower for longer mantra in conjunction with the statement that the EUR exchange rate is "important for price stability" and, "reflects the relative difference of [monetary] policies".
From a technical perspective there are a number of signals that indicate the potential for renewed downside risks to the EUR, even excluding the potential impact of a Brexit. The basic balance (the sum of the current account, FDI and portfolio flows) remained fairly stable throughout 2015 as large portfolio outflows offset the current account surplus. However, a recent acceleration in FDI outflows and outward M&A provide a deteriorating backdrop that should ultimately weigh on the EUR.
"...all the virtues I dislike, and none of the vices I admire" Winston Churchill
In the UK, the Brexit debate is hotting up and with less than three weeks to go, the polls (and even the bookies' odds) have narrowed. Unfortunately, the quality and content of the debate has deteriorated into almost caricatured politicking. For the 'Remain' camp, Britain is not just stronger in the EU, but could never leave as the implications would be too catastrophic (a stance for which Cameron appears to be coming under increasing criticism for). For 'Leave', the EU is the source of all the UK's exaggerated woes.
Both sides risk patronising and alienating their respective support. 'Project Fear' have so far singularly failed to address any of the risks to the UK economy from remaining in the EU (particularly given the almost inevitable push for political and fiscal union within the eurozone - leaving the UK in the EU but to all intents and purposes out of the loop). 'Vote Leave' have also failed to address what the plan would be should they achieve their goal.
"One does not leave a convivial party before closing time" Winston Churchill
With the polls narrowing, time elapsing and the politics heating up we expect the debate to gain increasing prominence in financial markets over the coming weeks. In the regard we would expect volatility to pick up, UK equities to begin to underperform, and GBP to become vulnerable in FX markets once more.
For today, however, the focus of financial markets lies with the US employment report for May.
Corporate profit drag (and strike action) and GDP weakness are likely weigh on the headline figure which we expect to dip below the 150k mark. However, this pace of hiring is likely still enough to nudge the unemployment rate lower and does nothing to damp the impressively resilient US labour market expansion.
"I'm just preparing my impromptu remarks" Winston Churchill
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I have had p0455 go on and off for the last year or so, usually fixed for a while with a new or tightened gas cap. I took it in at one point and they said there was a crack in my vacuum system somewhere- and it was fused to the carbon canister so they would have to replace both. I did not get the repair because it was too expensive at the time. Now I have this new p1140 code that is for the intake valve timing sensor. The person at autozone told me the codes were probably connected to the same problem. Can someone maybe tell me what this could be? are they connected? can someone give me an estimate on a repair before I take it in?
I have codes p1140 and p0455 on my service engine light on 2002 Nissan Pathfinder
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By Ned Parker and Mimi Dwyer KANSAS CITY, Missouri (Reuters) - (This June 29 Special Report corrects size of increase in number of people charged with federal hate crimes in paragraph 24, adds that 33 prosecutions in past seven years were under the Shepard/Byrd Act in paragraph 25) Dionte Greene, a 22-year-old black gay male, was looking for a hook-up. "I'm not interested in smoking weed with you, Travone," Greene wrote to the teenager, Travone Shaw, in their first exchange. "I just find you attractive and I want to have a sexual encounter with you." "I ain't gay," Shaw replied, according to court documents.
DALLAS (AP) — The remains of two crew members who had been missing since a head-on freight train collision in the Texas Panhandle were found Wednesday, officials said, and the third missing worker is presumed dead.


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Search / 38 results found Showing: 1-20 of 38
Effort seeks to retain students for middle school and beyond.
Amphitheater School District's new school set to open for the 2017-18 school year.
The Catalina Foothills School District's Lego robotics teams won several prizes at a state science, technology, engineering and math tournament.
The new elementary school will be near Corona de Tucson.
Vail School District has immediate openings for elementary and special education teachers.
TUSD is considering a $1.1 million sale of Fort Lowell Elementary School.
Education news from Tucson-area schools.
The board voted 5-0 to pass a resolution ordering an override election.
Seven Tucson-area schools will receive more than $31,000 in grants to fund innovative technology projects.
Markers of death and dying are all around: the roadside flowers and crosses memorializing a loved one, the white-painted bikes at the scene of…
The director of TUSD's multicultural curriculum department will take over Pueblo Magnet High School for the upcoming school year.
Over the last several years, the awards and accolades have been rolling in at C.E. Rose, a TUSD school nestled in a south-side neighborhood.
The Tucson Unified School District is revising its nondiscrimination policy to protect transgender students, staff members and others.
The public is invited to learn more about the Tucson Unified School District's solar project Wednesday.
The Tucson Unified School District is offering its new, low-cost early learning centers to the public.
Third-grade students at Los Amigos Elementary School in Tucson had a dilemma to solve — how to best save a turtle from the polluted Ganges Riv…
The toe-tapping harmonies of the Tucson Barbershop eXperience flowed freely from the rehearsal room and into the hallway of the Tucson Jewish …
The public will have an opportunity tonight to discuss the Sunnyside Unified School District's proposed budget cuts.
State OKs Sunnyside English-learner plans
The TUSD Governing Board has approved a $1.6 million deal for a residential development on the site of the now-closed Wrightstown Elementary S…