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Fiction » Romance » Contemporary
Through the Jungle by Deirdre Riordan Hall
Price: Free! Words: 12,690. Language: English. Published: January 5, 2015. Categories: Fiction » Women's fiction » Chick lit, Fiction » Romance » Contemporary
Through the Jungle captures twelve snapshots of your favorite Follow your Bliss characters before they step on the road to bliss and then glimpses into their lives after...
New Year's Reference Day by Helgagrace
Price: Free! Words: 2,370. Language: English. Published: January 2, 2015. Categories: Fiction » Romance » Contemporary
A woman calls the library on New Year's Day with a strange question. Based on this post from the New York Public Library: http://instagram.com/p/xMxuYpTVvP/
Tyler Smiths: A Summer Illusion by Daniel Olas
Series: Tyler Smiths. Price: Free! Words: 7,510. Language: English. Published: January 1, 2015. Categories: Fiction » Romance » Contemporary
Let's bring the summer back with its fun and intrigues. Let's tell a tale of love in a summer season… lets continue our story of Tyler Smiths. With Mavis back to give Tyler love lectures and Eric not around to check the potency in those lectures, Tyler has got no option than to put on the characters of the love lecture—Mr Superman and Jack; the lover boy. All because of who? Vanessa!...
Gilda by Thomas Harrington
Price: Free! Words: 7,550. Language: English. Published: December 31, 2014. Categories: Fiction » Romance » Contemporary
No one understands the human brain, especially someone struggling with conflicting signals. Nature pulls in one direction, and morality pulls in another. Add the emotional pressure of love, and any decision becomes more complicated or…easier.
Like A Mother by Danielle Carter
You set the price! Words: 12,340. Language: English. Published: December 30, 2014. Categories: Fiction » Women's fiction » General, Fiction » Romance » Contemporary
Julia had expected to live her life without interruptions and complications but when a young child appeared at her door for looking for help she could not resist taking her in as her own. Three years later, after building a firm relationship together two people will enter their lives who will change their future and test their love for one another. A short story.
Forever Us by Caylie Marcoe
Price: Free! Words: 11,790. Language: English. Published: December 20, 2014. Categories: Fiction » Romance » Short stories, Fiction » Romance » Contemporary
Two years ago, Riley Logan agreed to go on a reality dating show with her best friend, Travis Grayson. She didn't expect to fall in love with him. One year ago, Travis asked Riley to marry him. She said yes. Now in the days building up to the wedding Riley and Travis navigate through the finishing touches. A bachelorette party Riley is sure to never forget. And the day they finally become one.
The sky is blue and other things we are convinced of by emmajacques
Price: Free! Words: 3,510. Language: English. Published: December 14, 2014. Categories: Fiction » Romance » Contemporary
A short story of a relationship marked by the all too common problem of mistaking love for dependence.
Summer Spark by Ginnie Carmichael
Price: Free! Words: 19,120. Language: English. Published: December 13, 2014. Categories: Fiction » Romance » Contemporary, Fiction » Women's fiction » Chick lit
Desperate to keep her teenage daughter from running with the wrong crowd again, Elsie Anderson makes the painful decision to leave Seattle for good. For her, solitude is a small price for keeping Sophie out of trouble. Love is the last thing on Elsie's mind, especially in a small town like Smithfield, Virginia. Alex Becker, the star of Smithfield's firefighting department may be a hero, but at
Completely (A Cunningham Family Short Story) by Ember Casey
Price: Free! Words: 4,990. Language: English. Published: December 9, 2014. Categories: Fiction » Romance » Contemporary, Fiction » Romance » Short stories
One night might change everything... It should have been an ordinary evening at home for Lily Frazer and Calder Cunningham. But Calder is about to realize how easily he could lose the only thing he's ever needed...
The Table and Mr. Tensdale by Rebecca Milton
Price: Free! Words: 7,100. Language: English. Published: December 8, 2014 by AmorBooks.com. Categories: Fiction » Romance » Contemporary
Fresh from college, Emily, is starting her new life in a small town. Her quiet neighbor introduces her to literature, writing and small town pleasures, but does his strange behavior hide a deep secret? How will Emily find this, her fist summer alone?
Elizabeth's Masquerade by Rebecca Milton
Price: Free! Words: 5,730. Language: English. Published: December 8, 2014 by AmorBooks.com. Categories: Fiction » Romance » Contemporary(5.00 from 1 review)
Unlike other girls her age, Elizabeth didn't play with dolls. She read comic books. She liked the stories, the art work, but most of all, she like the masks. Her passion for mask stayed with her all her life. What will she discover as she gets older about the power of masks?
Sleight of Hand by Rebecca Milton
Price: Free! Words: 5,840. Language: English. Published: December 8, 2014 by AmorBooks.com. Categories: Fiction » Romance » Contemporary
Her life was fine. That was not enough. She realized that what she was lacking, what was missing, was magic and so, she went in search of it. The problem is, when you find the magic, you may discover it is only cheap parlor tricks and when that happens, what do you have left to believe in?
Cape Cod Casting Couch by Rebecca Milton
Price: Free! Words: 6,900. Language: English. Published: December 8, 2014 by AmorBooks.com. Categories: Fiction » Romance » Contemporary
All she wanted was a vacation. All she wanted was time away form the limelight. All she wanted was to sit on a beach, disappear and get herself back together. She never expected to fall in love. She certainly didn't expect it to happen with someone who didn't know who she was. Because, she was famous.
TJ & Finn by Cardeno C
Price: Free! Words: 8,470. Language: English. Published: December 7, 2014. Categories: Fiction » Gay & lesbian fiction » Gay, Fiction » Romance » Contemporary
TJ and Finn have been friends forever and living in a happy, committed relationship for years. This volume contains three short stories that give a glimpse into their lives and their love. (Contains the following shorts: Woman with a Dildo, All In, Happy Halloween)
Starting Over by Marissa Dobson
Price: Free! Words: 8,860. Language: English. Published: December 3, 2014. Categories: Fiction » Romance » Contemporary, Fiction » Romance » General(5.00 from 1 review)
Not everyone is given a second chance at love. When Scott Meyers finds Liz Hoffman—the woman who walked out on him fifteen years ago—on the side of the road after a car accident in the middle of a snowstorm, he's unwilling to let her slip through his fingers again. Will she accept him back into her life, or will their second chance melt away like the snow beneath their feet?
Meeting You by Katana Collins
Price: Free! Words: 17,160. Language: English. Published: December 1, 2014. Categories: Fiction » Romance » Contemporary, Fiction » Women's fiction » General
Every year on Father's Day, the Tripp family comes together for a celebration of their late dad's life. Their home is Maple Grove, New Hampshire, a charming community nestled in New England. But as wonderful as it is on the surface, each sibling is as different as night and day, and see just how distinct a family can be, and how everyone has a battle in need of fighting.
Yet Another Story by Nikkie Neel
Price: Free! Words: 5,460. Language: English. Published: December 1, 2014. Categories: Fiction » Romance » Contemporary, Fiction » Women's fiction » General(4.00 from 1 review)
Manoj gets trapped into arranged marriage to a stranger. a girl(Anu) he has never seen.. he is torn between choosing his girlfriend and wife.. Its my first book so please leave comments . so that i can improve my writing :)
Deus + Juliette by Sophie G. Winner
Price: Free! Words: 9,870. Language: French. Published: November 30, 2014. Categories: Fiction » Romance » Short stories, Fiction » Romance » Contemporary
Une rencontre inattendue. Un amour improbable. Des dialogues légers et humoristiques. Une short "love" story.
Follow My Lead (BBW erotic romance) by Eva Lefoy
Price: Free! Words: 3,850. Language: English. Published: November 29, 2014. Categories: Fiction » Romance » Contemporary, Fiction » Romance » Short stories(4.00 from 1 review)
Unemployed and living with her grandma, plus-sized Cassie applies for a job at the local strip club. When she's passed over in favor of the skinny girls, she thinks all hope is lost. Until a sexy ballroom dancer shows her that her body is meant to follow an entirely different tune.
A Life Awakening: Whispers from Within. Ethan Elliot Series, Book One. by Ryan Stevenson
Price: Free! Words: 12,540. Language: English. Published: November 27, 2014. Categories: Fiction » Romance » Contemporary
A Life Awakening is a chronicle about the troubled life of a young man named Ethan Elliot, as told by his spirit guide, William. In the first of this series, Whispers from Within, we join Ethan as he feels he finally has found his soul mate in his relationship with Jennifer. Little does Ethan realize that his entire world is about to be turned upside down.


text:
When Oracle bought Netsuite yesterday for a cool $9.3 billion in cash, it let the world know it was now totally serious about growing cloud computing revenue — it wasn't always the case. 941 more words
Tags » NEtsuite
To Punt or Not to Punt ...
Our highly professional team took to the water via the canals of Cambridge to test their punting abilities!
All first time punters … REALLY? 62 more words
Dealing From a New Deck: Oracle Buys NetSuite
Everything came full circle with NetSuite today, when Oracle announced that it plans to acquire NetSuite for $9.3 billion.
In 1998, Evan Goldberg, founder of what was then NetLedger, visited our analyst team at Summit Strategies, where I started my analyst career at back in the day. 773 more words
Debt Collectors Are on the Hook Now; Oracle Pays Big for NetSuite; VW's Surprising Return to the Top of the Heap
Karma time…
The tables are turning on debt collectors and after forty years it's about time. The Consumer Financial Protection Bureau (CFPB) has got big plans that involve some major federal oversight for an industry that has plagued tens of millions of Americans for decades. 700 more words
Oracle buys enterprise cloud services company NetSuite for $9.3B
Oracle will acquire NetSuite for about $9.3 billion, or $109 per share in an all-cash deal, the companies announced Thursday. Both Oracle and NetSuite's cloud service offerings aimed at enterprise customers will continue to operate and "coexist in the marketplace forever," according to a statement by Oracle CEO Mark Hurd. 176 more words
Oracle Is Buying NetSuite for $9.3 Billion
Updated from 8:39 a.m. Per NetSuite's latest proxy, filed in April, Larry Ellison owned 39.7% of NetSuite's outstanding shares at that time. The shares are held by an entity called NetSuite Restricted Holdings LLC. 267 more words
NetSuite's Revenue Recognition Software Helps Attain Accounting Compliance
In most businesses – whether they offer products, services or both – revenue recognition is a key challenge because one needs to keep track of the constantly changing rules of licensing, contracting and distribution. 386 more words

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Double Dipped Fatties
One fat chick getting pounded by two cocks! Read More
Studio: Sensational Video
Series: Double Dipped Fatties
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Stars: Charlie Cooper Keywords: Threesome, Big Tits, BBW, Brunette Pop Shot: Facial
Stars: Cassie Blanca Keywords: Blonde, Interracial, Threesome, BBW
Stars: Simone Keywords: Threesome, Double Penetration, BBW, Black Hair, Stockings
Stars: Dani Amour Keywords: Jousting, Threesome, Double Penetration, BBW, Brunette, Stockings
Stars: Tiffany Blake Keywords: Blonde, Threesome, Big Tits, BBW Pop Shot: Facial
One fat chick getting pounded by two cocks! Hardcore bangin'. Double stuffed! Massive asses! Two dicks one tight pussy! Meaty threesome action!
DVD Features:
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Runtime (Stream, Download): 159 minutes
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Series: Double Dipped Fatties
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About کلیپ پارتی
کلیپ پارتی To define episodes of care that include hospitalizations, including the time frames for pre and post-hospital care, and the types of health care. کلیپ پارتی Grimmjow uses a special item Aizen bestowed on him which seals Ulquiorra up quite nicely. With this newly acquired power, so begins Kurosaki Ichigos training and duty as a Shinigami to maintain the balance between the world of the living and the world of the dead. کلیپ پارتی Miniseries usually range from about 3 to 10 hours in length, though critics often complain when programs hit the short end of that range and are still marketed as minis. Suddenly, the Hollows hand punctures through Inoue. کلیپ سکس کامل The characters in yuri are not known as bishojo, meaning beautiful girl.
Doing the layouts on a computer is also much more effective than doing it the old original way. The English use of hentai is also more similar to the way the Japanese use the slang term ??? H, or ecchi, which refers to any sexually explicit content or behaviour. کلیپ پارتی Shojo-ai girl love is not a western term for the female equivalent of shonen-ai; in Japan these works are not also called yuri. If some change happened to the characters lives during the episode, it was usually undone by the end. کلیپ پارتی In the UK, the term miniseries is only usually used in references to imported programmes, and such short-run series are usually called serials.
Her face goes blank and she falls to her back much to the surprise of Tatsuki who rushes to Inoues lifeless body.


text:
|By PR Newswire
Article Rating:
|November 14, 2012 01:31 PM EST
OXNARD, Calif., Nov. 14, 2012 /PRNewswire/ -- NYNE, a company that enriches consumers' listening experiences with advanced acoustics, announced today that one of North America's premier retailers, World Wide Stereo, has added NYNE's entire product line. Pennsylvania-based World Wide Stereo is a member of the ProGroup.
(Logo: http://photos.prnewswire.com/prnh/20120619/LA27546LOGO)
"NYNE is excited to be working with World Wide Stereo as our next retail partner," said Daniel Roe, Executive Director of Sales and Marketing at NYNE. "For 40 years and from humble beginnings they've built their business on integrity, stellar customer service and overall award-winning excellence. This ProGroup Member company is also known for 'giving back to the community'. NYNE is proud to be associated with World Wide Stereo and we look forward to a long and profitable business relationship."
World Wide Stereo will carry all three product categories from NYNE – the Alarm Series, Bluetooth Speaker Series and Home Audio Series. These products are known for their exciting styling, their awesome sound and their special "lifestyle applications". The entire line of NYNE home audio and portable speakers feature Bluetooth connectivity and therefore all Bluetooth-enabled phones and tablets, including the iPhone 5, are compatible.
"Desktop Audio is a fast growing category and with the great quality of Nyne's product lineup, it is a welcomed addition to our ever expansive selection", noted Bob Cole, owner and President of World Wide Stereo. "We are excited for the new partnership between the two companies."
About NYNE
NYNE is a California-based company specializing in the design, manufacture and sales of innovative audio and multi-media products that simplify and enhance home and business environments. A collaboration of a group of Silicon Valley veterans, acoustical engineers and audio experts with a passion for technology, NYNE is dedicated to producing high-end, quality products with superb acoustics and unparalleled technology integration. NYNE develops its products to meet the requirements of today's style conscious consumer, from product design, to freeing them from the clutter of racks, stacks and wires, and more.
For more information about NYNE's innovative product line, please visit www.nyne.com. Connect with NYNE socially on Facebook (http://www.facebook.com/NYNEmultimedia), Twitter (https://twitter.com/nynemultimedia), and Pinterest (http://pinterest.com/nynemultimedia).
Press contact:
Nicole Fait
Public Communications Worldwide
All products/services and trademarks mentioned in this release are the properties of their respective companies.
© 2012 NYNE. All rights reserved.
The Internet of Things will challenge the status quo of how IT and development organizations operate. Or will it? Certainly the fog layer of IoT requires special insights about data ontology, security and transactional integrity. But the developmental challenges are the same: People, Process and Platform. In his session at @ThingsExpo, Craig Sproule, CEO of Metavine, demonstrated how to move beyond today's coding paradigm and shared the must-have mindsets for removing complexity from the develo...
Jul. 28, 2016 02:30 AM EDT Reads: 1,523
SYS-CON Events announced today that MangoApps will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. MangoApps provides modern company intranets and team collaboration software, allowing workers to stay connected and productive from anywhere in the world and from any device.
Jul. 28, 2016 02:15 AM EDT Reads: 1,388
IoT is rapidly changing the way enterprises are using data to improve business decision-making. In order to derive business value, organizations must unlock insights from the data gathered and then act on these. In their session at @ThingsExpo, Eric Hoffman, Vice President at EastBanc Technologies, and Peter Shashkin, Head of Development Department at EastBanc Technologies, discussed how one organization leveraged IoT, cloud technology and data analysis to improve customer experiences and effi...
Jul. 28, 2016 02:00 AM EDT Reads: 2,040
The IETF draft standard for M2M certificates is a security solution specifically designed for the demanding needs of IoT/M2M applications. In his session at @ThingsExpo, Brian Romansky, VP of Strategic Technology at TrustPoint Innovation, explained how M2M certificates can efficiently enable confidentiality, integrity, and authenticity on highly constrained devices.
Jul. 28, 2016 01:45 AM EDT Reads: 1,099
In today's uber-connected, consumer-centric, cloud-enabled, insights-driven, multi-device, global world, the focus of solutions has shifted from the product that is sold to the person who is buying the product or service. Enterprises have rebranded their business around the consumers of their products. The buyer is the person and the focus is not on the offering. The person is connected through multiple devices, wearables, at home, on the road, and in multiple locations, sometimes simultaneously...
Jul. 28, 2016 01:15 AM EDT Reads: 817
"delaPlex Software provides software outsourcing services. We have a hybrid model where we have onshore developers and project managers that we can place anywhere in the U.S. or in Europe," explained Manish Sachdeva, CEO at delaPlex Software, in this SYS-CON.tv interview at @ThingsExpo, held June 7-9, 2016, at the Javits Center in New York City, NY.
Jul. 28, 2016 01:00 AM EDT Reads: 1,612
"We've discovered that after shows 80% if leads that people get, 80% of the conversations end up on the show floor, meaning people forget about it, people forget who they talk to, people forget that there are actual business opportunities to be had here so we try to help out and keep the conversations going," explained Jeff Mesnik, Founder and President of ContentMX, in this SYS-CON.tv interview at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York City, NY.
Jul. 27, 2016 10:30 PM EDT Reads: 1,407
Internet of @ThingsExpo, taking place November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with the 19th International Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world and ThingsExpo Silicon Valley Call for Papers is now open.
Jul. 27, 2016 10:00 PM EDT Reads: 2,665
The IoT is changing the way enterprises conduct business. In his session at @ThingsExpo, Eric Hoffman, Vice President at EastBanc Technologies, discussed how businesses can gain an edge over competitors by empowering consumers to take control through IoT. He cited examples such as a Washington, D.C.-based sports club that leveraged IoT and the cloud to develop a comprehensive booking system. He also highlighted how IoT can revitalize and restore outdated business models, making them profitable ...
Jul. 27, 2016 09:45 PM EDT Reads: 2,004
"delaPlex is a software development company. We do team-based outsourcing development," explained Mark Rivers, COO and Co-founder of delaPlex Software, in this SYS-CON.tv interview at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York City, NY.
Jul. 27, 2016 08:00 PM EDT Reads: 2,034
We all know the latest numbers: Gartner, Inc. forecasts that 6.4 billion connected things will be in use worldwide in 2016, up 30 percent from last year, and will reach 20.8 billion by 2020. We're rapidly approaching a data production of 40 zettabytes a day – more than we can every physically store, and exabytes and yottabytes are just around the corner. For many that's a good sign, as data has been proven to equal money – IF it's ingested, integrated, and analyzed fast enough. Without real-ti...
Jul. 27, 2016 07:30 PM EDT Reads: 1,109
I wanted to gather all of my Internet of Things (IOT) blogs into a single blog (that I could later use with my University of San Francisco (USF) Big Data "MBA" course). However as I started to pull these blogs together, I realized that my IOT discussion lacked a vision; it lacked an end point towards which an organization could drive their IOT envisioning, proof of value, app dev, data engineering and data science efforts. And I think that the IOT end point is really quite simple…
Jul. 27, 2016 06:45 PM EDT Reads: 1,179
"There's a growing demand from users for things to be faster. When you think about all the transactions or interactions users will have with your product and everything that is between those transactions and interactions - what drives us at Catchpoint Systems is the idea to measure that and to analyze it," explained Leo Vasiliou, Director of Web Performance Engineering at Catchpoint Systems, in this SYS-CON.tv interview at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York Ci...
Jul. 27, 2016 06:45 PM EDT Reads: 2,071
Big Data, cloud, analytics, contextual information, wearable tech, sensors, mobility, and WebRTC: together, these advances have created a perfect storm of technologies that are disrupting and transforming classic communications models and ecosystems. In his session at @ThingsExpo, Erik Perotti, Senior Manager of New Ventures on Plantronics' Innovation team, provided an overview of this technological shift, including associated business and consumer communications impacts, and opportunities it ...
Jul. 27, 2016 04:30 PM EDT Reads: 213
A critical component of any IoT project is what to do with all the data being generated. This data needs to be captured, processed, structured, and stored in a way to facilitate different kinds of queries. Traditional data warehouse and analytical systems are mature technologies that can be used to handle certain kinds of queries, but they are not always well suited to many problems, particularly when there is a need for real-time insights.
Jul. 27, 2016 04:30 PM EDT Reads: 1,879
You think you know what's in your data. But do you? Most organizations are now aware of the business intelligence represented by their data. Data science stands to take this to a level you never thought of – literally. The techniques of data science, when used with the capabilities of Big Data technologies, can make connections you had not yet imagined, helping you discover new insights and ask new questions of your data. In his session at @ThingsExpo, Sarbjit Sarkaria, data science team lead ...
Jul. 27, 2016 04:15 PM EDT Reads: 1,146
Is your aging software platform suffering from technical debt while the market changes and demands new solutions at a faster clip? It's a bold move, but you might consider walking away from your core platform and starting fresh. ReadyTalk did exactly that. In his General Session at 19th Cloud Expo, Michael Chambliss, Head of Engineering at ReadyTalk, will discuss why and how ReadyTalk diverted from healthy revenue and over a decade of audio conferencing product development to start an innovati...
Jul. 27, 2016 04:00 PM EDT Reads: 1,070
Extracting business value from Internet of Things (IoT) data doesn't happen overnight. There are several requirements that must be satisfied, including IoT device enablement, data analysis, real-time detection of complex events and automated orchestration of actions. Unfortunately, too many companies fall short in achieving their business goals by implementing incomplete solutions or not focusing on tangible use cases. In his general session at @ThingsExpo, Dave McCarthy, Director of Products...
Jul. 27, 2016 04:00 PM EDT Reads: 1,744
WebRTC is bringing significant change to the communications landscape that will bridge the worlds of web and telephony, making the Internet the new standard for communications. Cloud9 took the road less traveled and used WebRTC to create a downloadable enterprise-grade communications platform that is changing the communication dynamic in the financial sector. In his session at @ThingsExpo, Leo Papadopoulos, CTO of Cloud9, discussed the importance of WebRTC and how it enables companies to focus...
Jul. 27, 2016 03:30 PM EDT Reads: 977
SYS-CON Events announced today that 910Telecom will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Housed in the classic Denver Gas & Electric Building, 910 15th St., 910Telecom is a carrier-neutral telecom hotel located in the heart of Denver. Adjacent to CenturyLink, AT&T, and Denver Main, 910Telecom offers connectivity to all major carriers, Internet service providers, Internet backbones and ...
Jul. 27, 2016 11:00 AM EDT Reads: 738


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Play Video
Dude Accidentally Smashes LED Panel Assembly
Posted by DJTrumped on Jun. 26, 2013
Elizabeth Rage takes you through the steps to create the Enchantress look f...
On this episode, Master Chalk Artist Chris Carlson takes on an epic Star Tr...
Get you geek on and come check out these hilarious clips!
Posted by DJTrumped on Jun. 26, 2013


text:
Augmented Reality with HTML5
I've shown how to write hybrid applications with HTML5 and Dalvik. It's relatively easy to set things up so JavaScript can call Dalvik methods, and Dalvik can call JavaScript methods. I've shown that you can create rather advanced applications that composite the Dalvik and HTML5 user interfaces so they look like one to the user.
But you could just as easily have written the whole application in Dalvik, so what is the advantage of writing part in HTML5? Here are the advantages:
If you were writing a real application, the HTML5 part would be (relatively) portable to other platforms. You wouldn't have to rewrite it to port to, say, the iPhone. In the example, the HTML5 part is pretty small, but in principle, it could be much larger.
You could have kept the HTML5 part of the application on a remote HTTP server, to be updated whenever the app is run, without requiring the user to download an update.
If your application displayed information from the Web, it could be argued that HTML5 is a more natural place for Web interaction than Dalvik.
Hybrid applications, such as the example here, can be a valid way to create mobile applications that combine the power of HTML5 and the native platform. As long as the platform gives you a way to interact between JavaScript and the native application environment, there really doesn't seem to be any barrier to the kinds of applications you can write.
Compass card graphics adapted from commons.wikimedia.org/wiki/File:Compass.svg.
Rick Rogers has been a professional embedded developer for more than 30 years. Now specializing in mobile application software, when Rick isn't writing software for a living, he's writing books and magazine articles like this one. He welcomes feedback on the article at firstname.lastname@example.com.
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Rick Rogers has been a professional embedded developer for more than 30 years. Now specializing in mobile application software, when Rick isn't writing software for a living, he's writing books and magazine articles like this one.
Missed the latest developments?
It's a shame that you seem to have missed this:
HTML5 is awesome!
Absolutely awesome what HTML5 makes possible. As webworker I'm happy about the features that will follow in next years! Nice posting, I will twitter the post here.
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Practical Task Scheduling Deployment
July 20, 2016 12:00 pm CDT
One of the best things about the UNIX environment (aside from being stable and efficient) is the vast array of software tools available to help you do your job. Traditionally, a UNIX tool does only one thing, but does that one thing very well. For example, grep is very easy to use and can search vast amounts of data quickly. The find tool can find a particular file or files based on all kinds of criteria. It's pretty easy to string these tools together to build even more powerful tools, such as a tool that finds all of the .log files in the /home directory and searches each one for a particular entry. This erector-set mentality allows UNIX system administrators to seem to always have the right tool for the job.
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Le Bec-Fin
This classic spot in Philadelphia consistantly lives up to its impeccable reputation
Famed restaurateur Georges Perrier introduced Philadelphians to fine French cuisine when he opened this upscale restaurant in the 1970s. Although the dining room has undergone a major renovation, the food and atmosphere remain formal.
Le Bec-Fin has been providing memorable dining experiences since 1970. Chef and owner Georges Perrier created a restaurant that has become a Philadelphia landmark and an international gastronomical destination.
Le Bec-Fin has received the highest accolades in the hospitality industry. The restaurant has been a long-standing recipient of both the coveted Mobil Five Star and AAA's Five Diamond awards.
Le Bec-Fin underwent major interior renovations in the summer of 2002. "Change everything but the chandeliers," was Georges Perrier's command to Philadelphia's architectural and design firm DAS.
Chef Perrier's cuisine continues to grow and change over time, while maintaining its signature trademarks of simplicity, elegance, and flavor. "To be the best, you must work and work, and then work some more," states Chef Perrier. It is this attitude of continual transformation and commitment to perfection, combined with a passionate and dedicated staff that makes Le Bec-Fin unique and memorable.
Insider Tip
If you're dying to taste Le Bec-Fin's famous fare but are somewhat less eager to deal with the accompanying price, here's a secret: Le Bec's downstairs bar, Le Bar Lyonnais, is a first-come-first-serve set up where you can order from a flawless a la carte menu.
So if you're not necessarily in the mood for a formal, eight-course degustation menu, and perhaps looking to enjoy a single entrée from one of the best French kitchens in the country, head down to Le Bar Lyonnais where you can savor all the excellence of Le Bec-Fin's cuisine at a fraction of the cost.
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Apple Watch 2's thinner screen hopefully means longer battery life
Apple's display supplier says the company is switching display technologies in the upcoming Apple Watch 2.
All of the latest technology news and features from TechRadar
Apple's display supplier says the company is switching display technologies in the upcoming Apple Watch 2.
UpdatedEven though the VR scene is just warming up, there's an impressive selection of titles out there.
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All Product Details
Miss Goody Two-Shoes,
Caught on CCTV.
Don't look so shocked!
Of course you know who -
Who else but Goldilocks?
Poor Goldilocks, caught on camera breaking into a house of suburban grizzlies; Pumpkin Biker Cinderella; two ugly sisters with attitude; Puss-in-Trainers, a feline with a feel for the cool; the Giant with a mobile phoneand#133;. Not to mention the Bad Hair Day Fairy, the teenage princess who wants a tattoo and the Dwarf Rap.
Here are 30 amazing poems which are rooted in the world of fairy tale and legend. Wickedly witty, deliciously subversive and utterly modern, the poems are also affectionate and big-hearted tributes to the original tales and characters that inspired them. This is a sizzling new collection from a master poet, brought explosively to life by Satoshi Kitamura's extraordinary black-and-white illustrations.
Satoshi Kitamura was born in Tokyo and has always loved reading comics and illustrated novels. With no formal training, he started work in advertising as an artist and came to London. He has written and illustrated 20 of his own books and illustrated many more, as well as translating children's books into Japanese. He exhibits his work in London and has won a number of awards. He lives in London and Japan.
A Giant and a Mobile Phone
Goldilocks on CCTV
The Bad Hairday Fairy
Pumpkin Biker Cinderella
A Motherand#8217;s Advice on the Subject of Putting Big Feet into Tiny Slippers
Did You Say Two Ugly Sisters?
Wand or Word?
The Golden Goose Talent Show
Rapunzel, Let Down
A Tattoo, by Royal Command
Lovesick Frog Prince
Damsel in Distress Rap
According to Apple
Dwarf Rap
Reported Missing
The Cloning of Red Riding Hoodie
Iron Jack
Road of Granted Wishes
Frog on the Mantelpiece
A Woodcutterand#8217;s Son
A Beast and a Beauty
Whatand#8217;s in a Name?
Hag Chant
Not my Uncle Bluebeard
Mirror, Mirror
Sleeping Beauty Awakes
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nubianskinlingerie is the best thing to happen to brown girls in 2015! I'm obsessed. Thank you to NubianSkin team from providing An African City some of their lux chocolatey goodness sets for our season 2 production. We loved it! So proud of founder Ade Hassan for repping for us brown girls!!!!
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About the Author
Denise Pivarnik-Nova is an AP English Teacher and an independent consultant for the Midwest Office of the College Board in AP English and English Vertical Teams (pre-AP). She has been an English AP Exam reader for over 16 years. She has taught freshman literature and composition at the college level as well as in high school. In addition to working on College Board publications and other AP prep materials, Denise is a teacher and College Advisor at Breck School in Golden Valley, Minnesota. Every summer she facilitates AP English teacher workshops throughout the Midwest.
Excerpt. © Reprinted by permission. All rights reserved.
TOC, Chapter 1


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My house resembles the Munsters mansion
You know the outside of your house looks bad when your teenage kids start begging you to paint it.
If you're my neighbor, you probably would like to beg me, too, but keep it all bottled up inside where the pain doesn't show.
I know, when I bought this house as a fixer-upper, the Wedgwood-blue-and-white paint job was already looking shabby and a little bit sad. And the brick flower beds, painted a jarring crimson designed perfectly to clash with the wooden siding, are starting to crumble.
It's not exactly the Munsters mansion – thunder and lighting doesn't appear when you walk up the sidewalk, and dirge-like organ music doesn't play.
But I can't help noticing that house painters keep leaving their flyers on my porch.
Coincidence? I think not. I wonder if any of my neighbors are dropping them there.
Listen, kids, I do want to have the house painted. But you may remember that I recently went to Peru. So there went the money I would have spent.
On chichi, which is corn beer. Yum. It tastes about as good as it sounds. But, I digress.
Some of you readers may be thinking to yourselves, "If her teenagers want the house painted, they should do it themselves."
But, while this may be a noble-sounding ideal, let me just tell you that you would have a different opinion if you'd been through painting experiences with our family in the past.
The finger paint that somehow ended up all over the dog. Note: Dogs move around frequently, even when they're covered with paint.
The spray paint surreptitiously removed from the garage cabinet that found its way all over my newly designed and professionally stained concrete patio. Apparently, the dog did it, according to my offspring.
The latex paint that got spilled onto said designer concrete patio and left unnoticed until it dried as hard as a dinosaur bone. That darn dog, he's always in trouble.
The nail polish that now decorates one of our walls.
The very word "paint" now triggers episodes of post-traumatic stress.
Somehow, the idea of sending them out there with an electric sander and paint gun does not inspire confidence.
Still, I haven't found any other countries that make their own corn beer. So maybe I can skip the next trip and get the house done.
Then the people across the way will stop picketing my yard.
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The Classic IQ Test
Their result for The Classic IQ Test ...
Your Score = 82
Their Analysis (Vertical line = Average)
They scored 82% on Genius, higher than 30% of your peers.
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IQ = 72 or Below - Borderline deficiency Read more
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FANGORIA will host a free screening of the latest IFC Midnight flick ASMODEXIA on Thursday, September 25 at 6 p.m. at New York City's IFC Center (323 Sixth Avenue at 3rd Street; 212-924-7771). A shocking tale of an overworked exorcist and his granddaughter toiling in Barcelona, ASMODEXIA will have your head spinning! Fango's editor emeritus, Tony Timpone, will be hosting the event.Read more »
Home,Movies/TV,News Fangoria Staff
Kickstart Unconventional Killer Flick "CAT SICK BLUES"!Movies/TV,News Fangoria Staff
The 1989 film PET SEMATARY taught us many important lessons—some of which still give us nightmares to this day—with the biggest lesson being: "Sometimes dead is better." Such is the case with the new feature film by award-winning filmmaker Dave Jackson, CAT SICK BLUES. When Ted's beloved cat dies, the trauma triggers a terrible mental breakdown and in his anguish Ted vows to do anything to get his feline friend back, including kill for it.Read more »
CANADA: FANGORIA, Horror Celebs Appearing at Hamilton Comic-ConNews Fangoria Staff
Hamilton, Ontario is a great place to live if you're a horror fan. Located just outside of Toronto. The "Hammer" is the birthplace (and deathplace) of DARK SHADOWS legend Jonathan Frid, several films including SKINWALKERS and SILENT HILL were lensed there, and the city is home to the "Horror in the Hammer" organization and their well-attended FRIGHT NIGHT THEATRE. This October, horror fans have a reason to get even more excited. The annual Hamilton Comic Con has just announced a "horror alley" featuring horror related celebrities and some of the biggest horror exhibitors in Ontario.Read more »
L.A.! See "THE DEMON'S ROOK" Free this Saturday at Jumpcut!News Fangoria Staff
Do you want to see something bonkers? THE DEMON'S ROOK is. Gory, psychotronic and homemade, THE DEMON'S ROOK is ambitious no-budget horror. Steeped in strange mythology and boasting ultraviolent setpieces, James Sizemore's SFX-driven fantasy-horror is very much a good time, and FANGORIA is very excited to present a free screening of the film at our regular Los Angeles hang, the Jumpcut Cafe (13203 Ventura Blvd.), this Saturday, September 20th.Read more »
TORONTO: "CURTAINS" Reunion Scheduled as Actress Lynne Griffin Joins HORROR-RAMANews Fangoria Staff
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Character actors converge at Burbank's Dark DelicaciesBooks/Art/Culture,News Fangoria Staff
You know the mug, but can't place the name… Character actors are the backbone of the movie industry, and author Scott Voisin wants you to get to know them personally in his latest tome, CHARACTER KINGS 2: HOLLYWOOD'S FAMILIAR FACES DISCUSS THE ART & BUSINESS OF ACTING (BearManorMedia). A contributor to VIDEOSCOPE magazine, Voisin and his colorful subjects will converge at Burbank's Dark Delicacies (3512 West Magnolia Boulevard; 818-556-6660) on Saturday, September 6 at 2 p.m.Read more »
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We had a pull pork salad and 1/2 rack of baby back ribs. Both were very tasty and the salad felt fresh. Our waitress made sure everything was good without being overwhelming. We also had a gumbo soap that was tasty and with plenty of spices. I loved it! Our only recommendation is that the restaurant gets a Brita filter for the water; even with a slice of lemon tasted pretty bad. Had we drunk it, it would have ruined the entire meal.
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Forum indexSony Alpha / Nex E-mount (APS-C) TalkChange forum
help from sigma 19mm owners
Started Jun 6, 2012 | Discussions thread
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amicah22 • Senior Member • Posts: 1,231
help from sigma 19mm owners
Jun 6, 2012
I have gone through 3 copies of the sigma 19mm, each one appears decentered with the left side much weaker than the right from f2.8 to f8. Is this something that is common with this lens or have I been unlucky. (I also bought the 30mm f2.8 and it is great).
Aaron W.
amicah22's gear list:amicah22's gear list
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Hotel Le Pic Blanc
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
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TravelPod Member ReviewsHotel Le Pic Blanc L'Alpe-d'Huez
Second stay here, consistently good place. Plenty of space and well appointed for a French hotel. Service is always pleasing.
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
Third time over six years I have been to this hotel. The food is good, the rooms clean and spacious and the internet connection is efficient. The hotel bar and dining room have a fantastic outlook over the Alp and down to the valley below. If travelling with a bike, the hotel catres for all cyclists needs including bike storage and arranging pre and post-ride massages if required. Great stuff.
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
This is my third stay at Pic Blanc, and the rooms are newly renovated, and the service welcoming (they even recognised us at reception). Just a quality establishment, with great facilities.
We are here to ride the Marmotte Gran Fondo, and this hotel looks after cyclists very well.
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
TripAdvisor Reviews Hotel Le Pic Blanc L'Alpe-d'Huez
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Plat du Jour
Ok, so plat du jour means 'today's special' at your local French restaurant. Our Plat du Jour had three courses - the entree was Col du Telegraph at 1566m, then the main course of Col du Galibier at 2645m, followed by dessert, L'Alpe D'Huez at 1815m. All up, 3345m of vertical climbing in the day, over 111kms.
We rolled out of Saint Jean …
Take car on holiday, take trouble
... ago.
But it's all an experience, doing car repairs en fran�ais. I'm amazed really, that at half past four on a Friday afternoon a) anyone is up for doing any work, and b) they can whip the wheel off, and the tyre, and fix a puncture, all within about 15 minutes.
Cappuccino without chocolate
... all up the Maurienne valley has been cloudy and rainy – and snowy higher up – all day. Generally grim in other words. Here is actually sunny, albeit a bit chilly.
The other thing is I have just had a cappuccino in Italy. There was no chocolate powder on top. Just frothy milky coffee. I have no idea if that's an authentic cappuccino or not, but it tasted good.


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When: Fri., Nov. 15, 9 p.m. 2013
Drag show, spanking demos, private photo booth, more. Also accepting toy donations for the Play it Forward Pittsburgh Toy Drive.
146 44th St. (Lawrenceville)
Tue., July 26, 7 p.m.
- Lawrenceville
First Saturday of every month, 9 p.m.
Fourth Saturday of every month, 8 p.m.
by Zach Brendza
June 18, 2014
Select a star to rate.
© 2016 Pittsburgh City Paper


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- //Home
- //Music
- //Bedroom Eyes
Bedroom Eyes, the one-man songwriting project of Sweden's Jonas Jonsson, is pretty much as pop as you can be. His latest is the Valentine Vacancy EP, and it's available in full as a free download from his website (where you can also download his debut EP as well). Why not, I say? This music is about as confluent as you'll find, and a sight more interesting than the bland clichés of the John Mayers and the Gusters of the American pop scene. The lead song, "Hand-in-Hand Grenade", is also being released as a single in the US through Cloudberry Records—an odd move considering above. But if you love the music, why not support the artist for just $5? Anyway, all this goodwill makes it difficult to dislike Jonsson or his music, so it' s lucky that it's not half bad. That lead song is expertly crafted pop, Jonsson's pure, high tenor voice lending a hint of exoticism. "Stethoscope Sounds" is another well-crafted pleasure, all jittery guitar bounce and warm brass. The four songs on Valentine Vacancy pass quickly, and with minimal impact—you're hard pressed to recall a particular melody after the EP's run through—but you won't catch me complaining. For his debut LP, we'll be expecting more, but for now Bedroom Eyes deserves all the exposure he can get.
Sean McVerry 'Hourglass Switchboard 2' (EP stream) (premiere) // Music
Atmosphere "Ringo" (Singles Going Steady) // Music
Minor Soul "One Chance" (audio) (premiere) // Music
20 Questions: Beyond the Wizard's Sleeve
// Sound Affects
"The skull-masked DJs have made a name for themseves with melodic, emotional dance remixes. Now, after a decade of scant singles and comps, their insanely diverse debut finally arrives.READ the article


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Star Tracks
Middleton waves to royal watchers in London. Plus: Tori Spelling, Jennifer Garner, Kristin Cavallari and more
Credit: X17
Published: Thursday Apr 28, 2011 | 01:30 PM EDT
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Maxime Büchi
A salute to an inspiring individual with very broad but focussed skill set. Maxime is many things: a graphic designer; a typographer with his own font foundry; the publisher of the mighty Sang Bleu tattoo journal; and now an apprentice tattoo artist with the legendary Filip Leu in Lausanne, Switzerland.
Keep up with him (if you can) at his tattoo blog, portfolio site, Flickr page, type foundry or at Sang Bleu itself.
- Submit Saturdays: eggs, gifs and monochromatic illustration from Illustrator Jocelyn Tsaih
- Boot Boyz Biz: promoting community, not commodity
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Lose Liberty and You Will Lose Your Civilization – Big Brother is Here
We recently quoted H.L. Mencken's famous saying on 'practical politics' in the context of the euro area's crisis and what we think the plans of the political elite were all along (namely to use a future crisis to drive the political centralization of Europe forward against the will of the citizenry):
The whole aim of practical politics is to keep the populace alarmed (and hence clamorous to be led to safety) by an endless series of hobgoblins, most of them imaginary."
As we noted, although it should be well known that politics works this way, 'the rubes fall for it every time'. Indeed, how else could legal monstrosities like the PATRIOT Act, the Military Commissions Act and the National Defense Authorization Act – all of which are little more than variations on the theme of Hitler's 'Enabling Act' of 1933 – ever have seen the light of day?
A bunch of bearded reactionary medieval throwbacks in a cave in the Hindu Kush managed to get the most powerful nation on earth to shred the very legal foundations that made it great in the first place? How nutty is that?
Today this trend has taken over the entire West. Governments are now snooping on their citizens without court orders in both the US and Europe to an extent previously unimaginable. The NSA is building the biggest snooping and data collection facility in all of history in the desert of Utah. As Wired magazine reported, its purpose is:
"To intercept, decipher, analyze, and store vast swaths of the world's communications as they zap down from satellites and zip through the underground and undersea cables of international, foreign, and domestic networks. The heavily fortified $2 billion center should be up and running in September 2013. Flowing through its servers and routers and stored in near-bottomless databases will be all forms of communication, including the complete contents of private emails, cell phone calls, and Google searches, as well as all sorts of personal data trails—parking receipts, travel itineraries, bookstore purchases, and other digital "pocket litter." It is, in some measure, the realization of the "total information awareness" program created during the first term of the Bush administration—an effort that was killed by Congress in 2003 after it caused an outcry over its potential for invading Americans' privacy.
(emphasis added)
It is noteworthy that the title of the Wired article contains the following admonishment in parentheses : "Watch What You Say".
This snooping by faceless bureaucrats, worthy of the GDR's infamous STASI, stifles individual initiative and the free spread and exchange of ideas. It will eventually sap Western civilization of what remains of its strength. Apparently governments are oblivious to the fact that the sources of our prosperity and progress are individual liberty and property rights. Suppress one or both and you can eventually wave your civilization good-bye.
Financial Repression In Italy
Nowadays the snooping and repression is increasingly shifting from the 'security' sphere to the financial sphere. 'Financial repression' – a term originally coined be Ken Rogoff and Carmen Reinhardt to describe the tendency of governments to try and 'inflate away' their debts – is taking on ever more sinister shapes.
In Italy, the Monti government has begun to control the spending habits of its citizens to a never before seen extent (hat tip to 'Das Gelbe Forum' in Germany). Its crackdown on alleged tax evaders has so far produced 23 suicides by people who were either utterly ruined by the State's demands for back taxes owed or otherwise fell victim to the economic crisis.
Now there is the so-called 'spesometro', whereby the government creates a map of all consumer spending in Italy, correlating it in seconds with tax payer information. If anyone buys more than he should be able to buy according to his tax return, the 'agenzia delle entrate' soon shows up and asks him to explain how he was able to indulge in such spending. Savers must be able to provide a time-line of several years detailing how and and how much they saved when and why. Anyone who has not been overly fastidious with keeping records of every detail of his financial life is thus in danger of being fined if he buys 'too much'. Given that Italy has a very high private savings rate, a great many perfectly innocent citizens will probably be ensnared by the 'spesometro'.
The crack troops of the finance ministry in Rome meanwhile are raiding entire villages, meticulously controlling small businesses and farms for violations of rules and regulations and possible tax evasion. A few weeks ago eight mechanics businesses that repaired bicycles and agricultural machinery in a small town were closed down and their assets confiscated due to 'their papers not being in order' (whatever that means). Fines between €6,000 to €35,000 were handed out according to the businessmen concerned. One business owner was fined because his son was in the repair shop helping out. His crime: 'exploitation of a minor'. To this one must point out that it has been a tradition since practically forever in Italy that children occasionally help out in the businesses of their parents that will one day be their own. Since there is no apprenticeship for artisan jobs, this is how young people learn the trade. Note by the way that in Southern Italy youth unemployment stands above 50%.
Monti's troopers are now also controlling the fields and forests to catch 'illegal tree pruners', work which mostly retired farmers engage in to slightly improve their meager incomes. Note that the social security pension of a farmer amounts to only about €400/month. By helping to prune olive trees, these people can occasionally earn €100 in a day. Now they are working by night, using flood lights to escape the controls. This is understandable, as the €400 pension is simply not enough for them to survive on. A new saying is now making the rounds in rural Italy: 'Se lavori sei un ladro!' – 'If you work, you are a thief'.
Apparently Monti's bureaucrats will only be satisfied when the youth turn to a life of crime and the old people starve.
Monti is a kind of modern-day Diocletian, especially with regards to how excessive the punishments for even small indiscretions have become. For example, as gasoline has become extremely expensive in Italy on account of the egregious taxes levied on it, many Italians have taken to getting gasoline from across the border. Anyone caught with a spare canister containing more than 10 liters of gas upon entering Italy will be fined a minimum of €7,750 , their vehicle will be impounded and auctioned off and on top of all this they will face a jail term of between six to 36 months (source: German press report).
As the Italian tax payer's association noted in a recent press release: 'Monti's reform has consisted of introducing new taxes and nothing else'.
This is precisely the criticism we leveled at the Italian 'austerity budget' when it was revealed: 'austerity' means only austerity for citizens, who are going to be plundered like never before. There is no 'austerity' for the State itself. Its share of the economic pie will not shrink, it will actually grow.
The whole climate in Italy has become poisoned by the government's money grab. On TV there are now spots like for instance one where a bureaucrat in the finance ministry receives a phone call from a 'concerned citizen' who says: "The baker right below my flat almost never hands over a sales slip. I've lived above him for 24 year, we know each other since school, so I know for sure….", or he says "the hairdresser I have gone to for the past ten years has never issued a receipt to me", and so forth.
In various villages people have spotted posters that show a man with an attache case wearing a black suit and black shades and sporting the bloodied teeth of a vampire. The poster explains that he depicts the "tax evader who is sucking the blood from honest people" and who "must be ostracized and hunted down". The guilty parties are soon identified: it is for instance the owner of a small repair shop who doesn't hand over a sales slip for three euros he charged for a bicycle repair and others like him. Denunciation of alleged offenders has become a popular sport. The opportunity for abuse is obviosuly vast.
Not surprisingly, Italy's economy is now in free-fall. You can not pressure small businesses with Gestapo tactics and hope for a revival of business at the same time.
Via Scott Barber of Reuters: Italy's industrial production and real GDP growth – click chart for better resolution.
Meanwhile in Greece, the government can now snoop into all banking and credit card activities of its citizens without a court order. The latest development on this front is that the government can actually simply confiscate funds it deems to be the fruits of tax evasion, with the trials to happen afterward. So the citizens concerned can challenge the confiscation of their savings if they still have enough money left to pay for a lawyer. Mish has just posted an update on this that has all the details. As he rightly concludes, this should accelerate capital flight from Greece substantially. Here is also a link to the original story at Ekathimerini.
Greece's economy remains pretty much in free-fall as well.
Industrial production and GDP in Greece, via Scott Barber of Reuters – click chart for better resolution.
We could go on, but you probably get the drift by now. Many governments in Europe are putting pressure on their citizens like never before in order to get hold of more money. Liberty is dying in the process. One feels reminded of the emperors in the final stages of the Roman Empire, who also attempted to 'rescue' a failed welfare/warfare state by means of inflation, price controls and financial repression. This only hastened the Empire's demise and it won't be any different with the modern-day version of this policy.
And how has it come to this?
It can ultimately be traced back to the decision of a handful of morons in power to replace a burst bubble with an even bigger bubble. When the new bubble inevitably burst as well, their successors predictably decided that bailing out a bunch of banks that had made bad investments was the way to go forward. The idea of hewing to the principles of free market capitalism and letting the market handle the problem was not considered feasible.
President Bush at the time told CNN "I've abandoned free market principles to save the free market system". It didn't seem to occur to him that this was the functional equivalent of a famous quote by an unnamed US officer during the Vietnam war after the leveling of Ben Tre: "It became necessary to destroy the town in order to save it.".
As a result of these decisions, the worst stewards of capital remained in charge and governments all over the West are now strapped for funds. Naturally, the only 'solutions' they could think of were to inflate the money supply and increase financial repression.
Misery in Europe, via Scott Barber. The Green line below adds unemployment and inflation to obtain the so-called 'misery index' – which has just hit a new high in euro-land – click chart for better resolution.
Spain: Santander's CEO Thinks We're All Stupid
Everybody has been wondering about the still very low level of mortgage defaults in Spain. As the CEO of Santander Alfredo Saenz revealed to Bloomberg, worrying about the state of mortgage credit in Spain is 'stupid':
"JPMorgan Chase & Co. (JPM), the world's largest bond underwriter, predicts that Spanish mortgage arrears will surge as unemployment rises. That's also the view from the international debt market, which has driven up yields on Spain's bonds in a bet the country will have to bail out banks.
In Spain, Banco Santander SA (SAN) Chief Executive Officer Alfredo Saenz said yesterday that's nonsense. "Mortgages get paid in good times and in bad," he said in a news conference at the bank's headquarters outside Madrid. "Anyone raising this problem as one of the issues for the Spanish financial system is saying something stupid."
(emphasis added)
Yeah, sure. It's totally stupid to suspect that the bursting of one of the biggest housing and mortgage credit bubbles in all of history could lead to major trouble for the mortgage lenders. As one observer remarked:
"There does seem to be a strange contrast between the high level of unemployment and the surprisingly low level of delinquencies on mortgages," said Georg Grodzki, who helps oversee $515 billion as head of credit research at Legal & General Plc in London. "This raises the issue of whether loans have been amended to make them look current when in fact they are distressed."
(emphasis added)
You bet that this is the issue raised by the 'strange contrast'. The newly unemployed in Spain are all current on their second home mortgages incurred at bubble prices? It's totally credible! We think Saenz is putting a massive amount of lipstick on a pig here. As we have frequently pointed out, everybody knows by now that Spain's banks are past masters at hiding their problems with a plethora of accounting tricks.
This is further buttressed by the revelation that yet another sub rosa bank bailout has apparently been initiated by the ECB via an explosion in its ELA ('emergency liquidity assistance') lending. As a reminder: if a bank uses the ELA, it means it no longer has any eligible securities it can pledge with the central bank. Instead it simply issues an 'IOU' and the national central bank then prints up the money to give to the bank after getting the nod from the ECB's governing council. In Ireland's banking system there are still some €50 billion or so in ELA funding floating about. In Greece the ELA has also been used quite liberally (€70 billion at the peak).
According to the FT:
"[…] in its weekly financial report, just released, the ECB reveals a €121bn increase in claims on eurozone banks which is says was the result of putting all ELA use under one heading.
By definition, this must be the minimum amount of ELA being provided by the "eurosystem," the network of eurozone national central banks. As such, it is much higher — maybe €10bn or more — than would be accounted for by use in Ireland and Greece alone. So somewhere else in the eurozone, ELA is also being provided in significant quantities."
You have one guess as to where this 'somewhere else' probably is. Very likely it's the country which only 'stupid people' would suspect of facing a growing risk of mortgage delinquencies.
Here by the way is a long term chart of Santander, which the stupid people trading in the stock market are apparently selling with both hands – although it is obviously still doing a lot better than many of the smaller and more domestically focused banks in Spain:
Santander's share price is busy probing the lows of the 2002 bear market. This is what is known as 'going nowhere in interesting ways'. In real terms, its shareholders are sitting on a vast loss now. – click chart for better resolution.
Meanwhile, deposit flight has lately accelerated in Spain, as the chart below shows:
Via CLSA: growth in Spain's private sector bank deposits has turned negative – click chart for better resolution.
Saenz explains the extraordinarily good performance of Spanish mortgages as follows:
"Saenz said Spanish culture is part of the reason why default rates remain low.
Spaniards tend to keep up their mortgage loans because borrowers respond with all their assets and not just their property if they default, Lorena Mullor, manager of the Spanish mortgage association, said in an interview. Many treat the purchase of their home as a valuable asset that will help fund their retirement and can rely on the support of their families to help them keep up payments if they lose their jobs, she said.
"It's a sociological thing and that's how it is," said Saenz.
Santander had 59.4 billion euros of loans made to Spanish households to buy homes at the end of 2011 out of a total loan book in Spain of about 200 billion euros. The default ratio was 2.6 percent in March, down from 2.7 percent at the end of 2011, the bank said.
"The data is good so let's not start debating the quality of the information," said Saenz. "Mortgage arrears are not a problem and are not going to be a problem"
(emphasis added)
Yes, let's not under any circumstances debate the quality of the information. After all, it's a 'sociological thing' and that's that.
To this we would note that mortgages are usually not paid back with culture, but with money.
Here is a little case study from a recent NYT article (which inter alia quotes Edward Hugh who notes that the real mortgage delinquency rate is probably in double digits, far from the officially reported 2.6%):
"But lenders are now depending on people like Marta Afuera Pons, who is juggling two mortgages — one on her house, another on an investment property that went sour — and is about 350,000 euros in debt.
In late 2010, Ms. Afuera Pons, who had just lost her job as a social security administrator, stopped making payments on the mortgage of 132,000 euros that she and the man she lived with had taken out for their home in Tordera, near Barcelona.
Separately, they still owe 185,000 euros to the same bank after receiving further financing in 2007 to buy a house that was never built, because the developer went bankrupt a year later.
Like many Spaniards, Ms. Afuera Pons is hitting the two-year limit for receiving unemployment benefits. This month, she will receive her last 1,100-euro unemployment check.
Finding no buyers for her Tordera house, Ms. Afuera Pons says she is trying to persuade her lender, the savings banks BMN, to take back the mortgage and the property."
(emphasis added)
Almost needless to say, Spain is probably littered with similar cases. We think Mr. Saenz will eventually have to eat crow. And yes, we should most definitely 'debate the quality of the information'. After all, every time there's a bank merger in Spain, the write-offs suddenly balloon to multiples of what was previously admitted to as constituting dubious assets.
Addendum: US Bank Earnings
Speaking of banks, we would like to briefly quote from John Hussman's most recent weekly update on US bank earnings (we have mentioned all these things in the past, but it is worth repeating them , especially as a new wrinkle has entered the proceedings):
"Banks continue to report seemingly pleasant earnings, as long as one doesn't look under the hood at the drivers of those reports. Two drivers have been particularly important this quarter. One is the further reduction of reserves against future loan losses, which shows up as a positive contribution to bank earnings. For example, a decline in loan loss reserves was the source of about one-third of the earnings reported by Citigroup. The other driver is something called a "debt valuation adjustment" or DVA. You might recall that as a result of European credit strains last year, investors sold off the bonds of major banks. In the world of bank accounting, the debt was therefore cheaper to retire, so – I am not making this up – the decline in the value of the bonds was booked as earnings. Of course, the value of bank debt has recovered somewhat since then, as investors have set aside concerns about Europe (which we doubt is a good idea). One might expect that since banks booked DVA as a contribution to earnings last year, we would see the opposite effect this quarter. But one would be wrong.
As Peter Tchir noted last week, "Morgan Stanley no longer includes DVA in its 'continuing operations' headline number. It was a loss of $2 billion this quarter. With 2 billion shares outstanding, that would have wiped out the gain. What bothers me, is that in Q3, when it was a gain of $3 billion, it was part of continuing ops." It was the same story at Bank of America, prompting one analyst to observe "one-time items are to be ignored when negative, and praised when providing a 'one-time benefit.'"
(emphasis added)
We have often mentioned the lowering of loan loss reserves and the above discussed 'DVA' as sources of a great deal of the reported bank earnings. To this it should be noted that the loan loss reserves issue is not the fault of the banks. There is actually an SEC rule to the effect that such reserves must be lowered when loan delinquencies improve. However, the selective use of 'DVA' – include it when it is advantageous and exclude it when it's not – that is an entirely new trick as far as we're aware.
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12 Responses to "Financial Repression in Italy and Spain's Curiously Low Mortgage Delinquency Rates"
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