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Type: Posts; User: ncboston
Thank you.
Same here.
I have a PRG 510 and the 'service' LED is on steady. Any thoughts? Have you seen this before? What is it trying to tell me?
Congrats on the new job. Good luck.
Thanks for posting.
It was fairly easy. I hope maybe someone else finds this useful.
Does anybody have a good routine for rotating hot water/chilled water pumps every 7 days?
There is no supervisory device. Switching will be via display/scheduler.
100% in agreement. The same type of idiot that has those foolish coexist bumper stickers.
Yes, but not until help arrived. From what I read, none of the diners or staff were armed.
I worked for the local county government for 7 years as an hvac/ maintenance technician/ jerk of all trades. I always tried to make the buildings better, but soon learned that only mediocrity was...
I applaud the good Samaritan's actions, but I think he will experience some sort of retribution from the 'kids'. And the cops won't be there 24/7 for him.
And let's not forget this incident:
You just never know anymore...
This is so true. WE are our own worst enemy. To use you Walmart example: People flock to Walmart because of the low prices(??). Walmart then drives the local mom and pops out of business. Recently...
Can this scheduler be configured using the screen buttons?, and if so would anyone have setup instructions? Thank you.
As Scrooloose said, hopefully. OSIYO had a lot of great posts and was very knowledgeable.
I took an $8 an hour pay cut to do controls. Best move I've ever made.
Code No. LIT-12011304
Found it. Thanks.
Not able to open the user guide for the vav controllers.
No it isn't, but I appreciate you posting it. My laptop doesn't have the help file for the configuration tool. So, I am looking for a more extensive user guide. I found the guide on the jci website,...
Would anybody have a copy of the user guide for this tool? I tried the jci website, but could not open the links. Thanks.
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A lot of good responses. Stay in as long as you can. When you get out try to get into a full time guard or reserve position. Lastly, there are tons of hvac guys out there, some good, some bad. This...
I wonder how this guy made out?
I'm waiting for the calendar.
Try to bleed the individual coils also. If air is hiding in there, won't let any water circulate through.
Always best to fill the loop from the lowest point.
Don't know if this will help, but check to make sure you have enough water in the system.
I had a similar problem several years ago, racked my brain, did all the same things you're doing, turned out...
Does your hospital run a third shift that you could work? Work third shift AND run full time business during the day.
Man. Makes me wish I was still in the market for a controls guy job.
It's a good thing the 'inspectors' are on the ball.
Dead on.
Nice video, but I like this one more.
Thanks for all you and the other mods do for us and this site. You are greatly appreciated.
Thanks to all who served, are serving, and will serve.
haha. That was my experience when I worked for the company in town with a raeford road address. the 'start up' guy is usually the 'correct all the screwups' guy.
Try the JLL or CBRE websites.
Osiyo is pretty sharp on that line.
I'd like a copy also. Thanks in advance. email in profile.
haha. I grew up eating pork with applesauce.
The Food Stamp Program, administered by the U.S. Department of Agriculture, is proud to be distributing the greatest amount of free meals and stamps EVER.
Meanwhile, the National Park Service,...
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text:
Investigación de Mercados
CBI Product Factsheet: Fresh Mangoes in Europe
CBI Channels and Segments: Fresh Fruit and Vegetables
CBI Competition: Fresh Fruits and Vegetables
The purchasing power of concentrated European buyers is high. Supplier power for niche products and premium produce suppliers may be somewhat higher and is expected to increase in the future in line with growing demand for tropical, exotic and off-season fruit and vegetables. The threat from substitutes for fresh fruit and vegetables is low; however, there is an emerging threat from new entrants in developing markets as well as in the EU market. Taking all this into account, the degree of competition will increase further in the mid and long term.
Boletín de Papa
1. Características técnicas
2. Siembras
3. Producción
4. Rendimiento
5. Estacionalidad
6. Precio en chacra
7. Abastecimiento y precio promedio en mercado mayorista de Lima
8. Consumo Percápita
9. Normas técnicas peruanas
10. Comercio exterior Perú
11. Principales empresas exportadoras e importadoras de papa - 2015
Contracting Decision and Performance of Mexican Coffee Traders: The Role of Market Institutions
We identified and explained the contractual choices of Mexican coffee traders in selling their product and analyzed the traders´ performance. The data were obtained from personal interviews with 53 intermediaries in four coffee producing regions of the states of Oaxaca and Veracruz, Mexico. Marketing margins were used as an indicator of traders' performance. The results indicate that being a roaster, having a wet processing plant and selling cherry coffee negatively affects the use of contracts whereas being vertically integrated has a positive effect.
Willingness to Pay for Native Pollination of Blueberries: A Conjoint Analysis
This study estimates blueberry consumer reaction to a potential honey bee Colony Collapse Disorder (CCD) management strategy; increased reliance upon native pollinators like the common Eastern Bumble bee (Bombus impatiens). A survey of 498 consumers was conducted using Amazon's Mechanical Turk. Respondents were asked to rate on a scale of 1 to 5, four different blueberry "packages" each containing five attributes; price, pollination method (native bee, commercial honey bee), fresh or frozen, produced in or out of state and variety (wild, cultivated).
Marketing Volume Transaction Analysis of Dates in Saudi Arabia
Marketing volume transaction in Saudi Arabia, including marketing characteristics, volume, prices, marketing channels, and loss analysis, were considered as study objectives. Results of the research paper showed that the average annual activity in date marketing amounted to about 820.5 tons of date as a total transaction for an average dealer. This amount contains all date varieties in the major date production regions including Sukkari, Khalas, Segae, Barhi, Ajwa, and other date varieties.
El Mercado de Cerezas en el Reino Unido
Calidad y frescura, son las principales demandas de los exigentes consumidores británicos. Las cerezas son consumidas en el Reino Unido principalmente por segmentos socio-económicos altos. A lo anterior, se suma un incremento en el consumo de cerezas orgánicas, lo que genera un desafío pero, a la vez, una oportunidad para la produccion chilena.
Plan estratégico y programa de inversión para el desarrollo competitivo y sostenible de la cadena de valor de Marañon en Honduras
Este documento integra las necesidades, los esfuerzos y la visión de las distintas organizaciones de productores, procesadores, comercializadores, instituciones (público y privado) y demás actores de la Cadena de Marañón, cada una con sus particularidades y complejidades, para convertir el rubro en una actividad económicamente rentable, atractiva y sostenible, que permita mejorar el bienestar de todos los involucrados.
Understanding Consumer Acceptance of Early Harvested 'Hayward' Kiwifruit
During two seasons, 'in-store' consumer acceptance tests were performed to determine the relationship between ripe soluble solids concentration (RSSC) and/or ripe titratable acidity (RTA) on 'Hayward' kiwifruit consumer acceptance. For this, 252 consumers were presented kiwifruit slice samples with RSSC of 11.0, 12.0, 13.0, and 14.0% with a RTA ranging from 0.8 to 1.2%. Kiwifruit with RSSC that ranged from 11.6 to 13.5% were always liked by consumers but with different degrees of liking.


text:
Jump to content
SN's child - school situation
Started by UpsyDaisy , Nov 24 2012 11:14 PM
12 replies to this topic
Posted 24 November 2012 - 11:14 PM
I really want to keep specifics out of this where possible, however any advice based on the information I provide would be greatly appreciated.
My SN's child attends a mainstream public school. The school in question has always gone beyond my expectations for my child and my other SN's child. So much so, when I moved I kept my children at this school and travel everyday.
A situation happened mid-year with this teacher, and myself regarding my SN's child. Some completely "out of line" comment was said by my SN's child's teacher. The comments were that bad I took them further to the SN's coordinator who is VERY supportive of myself and my child. She agreed it was of concern and promised me she would deal with it. I trusted her and left it be. However, the situation mean't I no longer felt comfortable going anywhere near this teacher or the classroom.
Fast forward to recently and due to my SN's childs class being there well after the bell I went over to the classroom. I walked in and what I experience was beyond words. I was abused, harrassed by my SN's child's teacher over a silly little issue she (that happened to be the exact SAME issue as mid-year). She refused to believe this issue was related to my child's SN's and turned on me in a BIG WAY. My other younger SN's child witnessed all this, and was very confused over the teachers aggression towards me. It was such a severe situation I removed my child from the school for a week. The SN's cooridnator spoke to me on two occassions over the phone and wanted my child to return. What bothered me, despite her (as always) amazingly understanding personality, was that this teachers actions have not and will not be dealt with.
I have contacted a local disability discrimination place, who referred me to another place. I have not heard back from them. My child has been back for only one day. My child is happy enough and I have chosen to send him back, a little out of pressure, but I can not let this teacher get away with it. Hard when I can't put specifics in here. I fear for other children, and I know this behaviour is not isolated. I fear for other kids who aren't SN's.
WDYT? Would you take this further and put a compliant about the teacher only (not the school) to the Department of Education? I don't and wouldn't take this step if I didn't feel it was needed. Does anyone know what the DoE do with these complaints? Would I need to meet up with this teacher and others over this? If was offered but I refuse to be anywhere near this person.
Posted 24 November 2012 - 11:37 PM
It's hard to respond not knowing what this teacher was cross about (I do understand you cannot be specific), have you spoken to the prinicipal about it? If you have and they were not responsive then I suppose your next step would be the dept of education. Do you have access to a advocate for your child through the disability services team in your state?
Edited by sparkler, 24 November 2012 - 11:37 PM.
Posted 24 November 2012 - 11:41 PM
The principal was consulted prior to the last phone call I received. My SN's child is too old now for any funding, so not advocate other than myself. Thanks
Posted 25 November 2012 - 01:28 AM
Definitely take it further!!
You're your childs advocate.
Posted 25 November 2012 - 05:36 AM
I would go and speak to the principal directly, not through the coordinator. Make it clear that you will be ringing the education department - start with the disability area. Also, if your child has ASD, ring the organisation as they have school representatives. Do not let this matter slide. If you were abused, that is completely unacceptable and it should go further. Good luck.
Posted 25 November 2012 - 06:08 AM
It is hard to say given there are no specifics, but you are your child's advocate.
My only question is did the teacher say something because you went over to the class before it had finished, or was it something you heard, that normally you would not hear as you weren't there - if that makes sense.
Posted 25 November 2012 - 06:46 AM
You say you fear for the students. Physically? Emotionally? If it was that bad that some harm may come of them, I would be contacting the teachers registration board for an investigation if you have exhausted all possible avenues with the school.
Very hard to comment without knowing specifically what happened.
Posted 25 November 2012 - 07:38 AM
Daisy where are you? In Queensland you can have an advocate or support person from the department of education come to any meetings with you.
Hard to comment not knowing what you are saying exactly. What actually happened? What did she do / say? and how old is your SNs child? You said you don't recieve any funding for your child anymore, so are we talking about a teenager?
Why is your child SNs but then not funded because of age? That doesn't make sense, not knowing what the SN is exactly?
Tam my boys do not receive funding and they are 7 and 9. We were told by DSQ that this is because once they are school age the funding and support now comes from EQ, and we do have excellent support from them now - between the hours of 8.30 and 2.30. I can't say that was the case when we were using a mainstream school. The difference being of course is that the teachers at our SS actually WANT to be there. They signed up to teach children with disabilities.
Children on the spectrum are also provided with funding through FACHSIA although this evaporates when they are 6.
Edited by Copacetic, 25 November 2012 - 08:21 AM.
Posted 25 November 2012 - 03:26 PM
Its impossible to know what I would do in that situation without specifics. I wonder what you mean about fearing for other children. ? you can report a teacher to docs if you hold significant fears. In my experience formal complaints against teachers very rarely result in any changes, principals seem to be left to deal with complaints ad they see fit. But they have very little power to impose any consequences. Its almost the end of the school year. So in ur situation I'd probably see out the year and request a new teacher for next year.
#10 Guest_JaneDoe2010_*
Posted 25 November 2012 - 04:01 PM
Not specifically related to this topic but on the topic of no funding over a certain age (which is correct) the Catholic system (at least in Victoria) DOES fund ASD students, including Aspies, after FACHSIA runs out.
Just wanted to mention in case it helps anyone out.
Edited by JaneDoe2010, 25 November 2012 - 04:02 PM.
Posted 25 November 2012 - 04:07 PM
Not sure if you are in Victoria or not but this mob really helped us when we were having issues with my son's CCC
I agree with the others though, it is hard to comment when we don't have all the details. But, I understand why you are being so circumspect
Posted 25 November 2012 - 05:34 PM
Yes I would take it further.
Edited by ASDivine, 01 December 2012 - 09:51 PM.
Posted 25 November 2012 - 09:00 PM
I'm a strong supporter of the "listen to your mothers instinct". If you really believe something needs to be done, than do it.
What if this happens a 3rd time? You children will get more confused and upset.
Yes, it is hard to give any detailed advice with any proper details. Just go with your "gut" is all I can say.
I am praying this is not about any physical/mental abuse.
1 user(s) are reading this topic
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The dividend aristocrats universe is shrinking according to analysts as some companies freeze dividends while others cut their payments. S&P might even consider lowering the standards for the elite dividend index. One of the criteria that could be lowered is the requirement for annual dividend increases to 20 years or fewer. This is in response to the fact that the number of aristocrats has decreased from 64 in 2001 to potentially less than 40 by year-end.
The stocks that come to mind as solid candidates for the Dividend Aristocrats index is AT&T (T) and Brown Forman (BF-B). AT&T has increased its dividends for 25 consecutive years and is a member of the S&P 500. AT&T last raised its quarterly dividends in December 2008 by 2.5% to $0.41/share. The stock currently yields 6.40%. Check my analysis of AT&T.
Brown Forman (BF-B) has increased its dividends for 25 consecutive years as well. The company engages in the manufacture, bottling, import, export, and marketing of alcoholic beverage brands. Some of its well-known brands include Jack Daniel's, Finlandia, and Southern Comfort. The stock currently yields 2.60%.
If the criteria were lowered to including stocks, which have raised dividends for 20 years, this could bring in these S&P 500 stocks to the index:
Cintas Corp (CTAS), which provides corporate identity uniforms and related business services in the United States and Canada, has increased its dividends for over 22 consecutive years. The Cincinnati, Ohio based company currently yields 1.80%.
Health Care Property Investors Inc (HCP), operates as a real estate investment trust in the United States. HCP has an uninterrupted record of increasing distribution for 23 consecutive years. The REIT currently yields 9.30%.
McCormick & Company (MKC), which engages in the manufacture, marketing, and distribution of flavor products and other specialty food products to the food industry worldwide, has rewarded shareholders with consistent dividend increases for 22 consecutive years. The stock currently yields 3.30%.
Northern Trust (NTRS) has increased dividends for 22 consecutive years. The provider of banking and financial services to large and mid-sized corporations and financial institutions currently yields 2.10%.
T. Rowe Price Group, Inc. (TROW) which provides investment management services to corporations, corporate, public, and Taft-Hartley retirement plans, foundations, and endowments has increased payouts for 22 consecutive years. This financial company currently yields 2.70%.
Chevron Corp (CVX) has consistently increased dividends for 21 years. This integrated energy company worldwide currently yields 4.10%. Check my analysis of Chevron Corp.
The Travelers Companies (TRV), which is a provider of various commercial and personal property and casualty insurance products and services to businesses, government units, associations, currently yields 3%. The stock has raised dividends for 21 consecutive years.
Progress energy (PGN), which engages in the generation, transmission, distribution, and sale of electricity in North Carolina, South Carolina and Florida has a record of 21 consecutive annual dividend increases. This utility currently yields 7.30%.
At the end of the day I agree with the Bloomberg article that "In the end it isn't the number of stocks you own, but owning the right stocks." If the S&P lowered its criteria for inclusion in the elite dividend index, then this would distort the basket.
Relevant Articles:
- S&P 'Dividend Aristocrats' Dwindle as Payouts Are Cut
- Why do I like Dividend Aristocrats?
- Dividend Aristocrats List for 2009
- Dividend Aristocrats keep raising their dividends
- AT&T (T) Dividend Stock Analysis
Wednesday, May 6, 2009
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About Me
GDE (Google Developer Expert) for Android. Experience with Android (since Cupcake), Google Glass, Android Wear, and (even on!) iOS. Very passionate developer who tries to live on the bleeding edge of technology. Also very interested in mobile UX.
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Said Tahsin Dane
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Tag Archives: england
Pound rallies as the Bank of England leave rates on hold – Boost for Sterling exchange rates (Daniel Wright)
Today we have seen the Pound gain value against every major currency following the Bank of England members voting 8-1 to keep interest rates on hold.
An interest rate cut had been expected by the financial markets and somewhat priced in so the fact that this did not happen led to the Pound gaining back some of the value it had lost.
For anyone looking to buy foreign currency this is a welcome result as your up and coming currency purchase has just become a little cheaper! One word of warning is that Mark Carney did state that easing would more than likely have to happen next month so don't feel like we are not going to see an interest rate change or other easing bought in, it has just been merely delayed for the time being.
I would imagine the recent change in the political position has had an impact in this decision and that the Bank of England now wish to hold fire on making any sweeping moves to see how the land lies once the dust has settled.
We deal a lot with clients looking to buy or sell overseas property and I had a good long chat with the managing Director of Girasol Homes, a property finder for clients looking to buy property in Portugal and Spain (they do also cater for those looking to sell). We discussed the current market conditions and everything really is a lot more positive than many people have been led to believe out there in the overseas property market.
Those looking to sell have seen a welcome boost in the value of their Euros should they need to bring money back into GBP and those looking to buy are only a few cents from the rolling ten year average for GBP/EUR so the market really isn't in that bad a place. Those buyers that do have concerns about market conditions could also approach the possibility of hedging their position a little with a mortgage, this appears to be an inceasingly popular approach.
Should you be looking to buy or sell in Spain or Portugal and you would like to speak with Nigel about the market or how he will be able to help then feel free to visit www.girasolhomes.co.uk or email him at email@example.com quoting Pound Sterling Forecast so he knows where you found him.
Back on the currency front we have a fairly quiet day for most currencies now but overnight we have Chinese growth figures which should impact the Australian Dollar, and European inflation/trade balance figures at 10:00am tomorrow.
Mark Carney, Governor of the Bank of England is speaking tomorrow at 1pm so for anyone with an interest in buying or selling Sterling it would be well worth you getting in touch with us directly so that we can keep you in touch with the action.
Not only do we ensure clients get up to the minute market news but we all work for a brokerage turning over roughly a billion pounds worth of currency a year, meaning we could probably get you a better rate of exchange than your current provider or bank due to our buying power.
If you would like to get a quote or to find out more information about our award winning rates and customer service then feel free to email me (Daniel Wright) directly on firstname.lastname@example.com and I will be happy to get in touch personally.
Sterling exchange rates have a quiet start to the week – Tomorrow and Thursday are sure to be different! (Daniel Wright)
So far this week we have not seen a great deal of movement for Sterling exchange rates but may that be about to change?
Tomorrow morning we have industrial and manufacturing figures out for the U.K and following poor construction figures last week, investors and speculators will be poised to see how the U.K performed in these sectors during April. Both releases are due out at 09:30am tomorrow morning so if you have an imminent exchange to make it is well worth tracking the market shortly after this time.
Thursday has the greatest potential for market volatility as we have the Bank of England interest rate decision, inflation report and the meeting minutes from the interest rate decision.
It is highly unlikely that we see any changes to interest rates however investors and speculators alike will be watching to see if any of the 9 members of the BOE have changed their stance with which way they would like interest rates to move.
The inflation report will also be of great importance, Mark Carney (Governor of the Bank of England) will give an overview as to what he plans to do about the current level of inflation and any potential changes to forecasts or fiscal policy may also result in a volatile day for Sterling exchange rates.
With releases like this coming out all the time it is key that you have a proactive and reliable broker on your side should you be due to carry out an exchange and that is where I can step in.
If you have the need to buy or indeed sell Sterling for your business, due to a property purchase/sale or for any other reason then it is important to have a proactive broker on your side and one that can get you the very top levels of exchange – It is very easy to settle for second best in this market but it is key to realise that even the slightest improvement in a rate of exchange can save you a huge sum of money.
If you would like to have a brief discussion with me (Daniel Wright) as to how I will be able to assist you with any pending currency exchange then feel free to email me directly on firstname.lastname@example.com and I will be more than happy to get in touch with you personally. We can cater for people inside our outside of the U.K and carry out bank to bank transfers.
Sterling exchange rates start the week on the front foot (Daniel Wright)
Sterling found rare form in trading today as we saw gains for the Pound against all major currencies.
A huge GBP/JPY transaction in early morning trading and the positive news regarding jobs at Tata steel led to Sterling starting the day off on the front foot and that trend generally continued throughout the trading day.
This bought a great opportunity for those looking to buy foreign currency after what has been a fairly dire few weeks for Sterling against pretty much every currency.
Will Sterling strength continue this week?
The main question now is will Sterling continue to gain ground this week and the answer may lie in how inflation levels come out for the U.K tomorrow morning. As I mentioned in my post on Saturday the Pound really needs a catalyst to give it some strength and if inflation has risen then this may be the catalyst we are looking for. Inflation is one of the key factors that will impact an interest rate decision and although there is no doubt we will not see rate movements anytime soon a rise inflation will still be taken as positive.
On Thursday we have the Bank of England Interest rate decision, meeting minutes and monetary policy summary. This is the sort of data release that can lead to sharp volatility as surprises can pop up in the minutes from the meeting. Investors and speculators will sift through them with a fine toothed comb looking for signs for what the next BOE move may be.
If you have the need to buy or indeed sell Sterling for your business, due to a property purchase/sale or for any other reason then it is important to have a proactive broker on your side and one that can get you the very top levels of exchange – It is very easy to settle for second best in this market but it is key to realise that even the slightest improvement in a rate of exchange can save you a huge sum of money.
If you would like to have a brief discussion with me (Daniel Wright) as to how I will be able to assist you with any pending currency exchange then feel free to email me directly on firstname.lastname@example.com and I will be more than happy to get in touch with you personally.
Chinese growth figures tonight and Inflation data for the U.K tomorrow morning are key for the next 24 hours of Sterling movements (Daniel Wright)
So tonight we will see the latest growth figures from China and expectations are for the worst figure they have released in quite some time. Should this be the case then we may have weakness for the Australian Dollar and NEw Zealand Dollar yet may see further strength for the Euro, making it even more expensive to buy.
There are just so many factors impacting the value of Sterling against other currencies at present including uncertainty surrounding the 'brexit' oil prices, China, poor economic data and little potential for interest rate hikes this year.
Tomorrow morning will be the first economic data of note for the week, we have a flurry of inflation data out for the U.K at 09:30am and this may really set the scene for the rest of the trading day as long as China hasn't had too much of an impact prior to its release.
Bank of England Governor Mark Carney speaks at 11:00 and you can be sure that investors and speculators will be hanging off of his every word, especially if inflation happens to have thrown up any surprises earlier in the morning.
All in all we are set for a fairly volatile day for Sterling exchange rates and however hard to predict I actually feel the Pound may have a better day than we have seen of late and that we may see a chunk taken out of some of the recent losses.
Here at Pound Sterling Forecast we pride ourselves on not only providing regular and informative market data but we also can handle currency exchanges too. All authors on this site work for a brokerage assisting clients with large currency transactions day in day out and we would love to assist you too. If you are new to the site or have been following for a long time then feel free to contact me (Daniel Wright) directly and I will be more than happy to respond to you personally.
You can get in touch with me by email on firstname.lastname@example.com or by contact me on 01494 787 478 (0044 1494 787 478 if abroad) during our U.K trading hours (08:30am – 18:00pm).
Sterling exchange rates set for a busy morning of inflationary data tomorrow (Daniel Wright)
First and foremost I would like to offer the thoughts and prayers of all writers here at Pound Sterling Forecast to France.
I for one will be belting out the French national anthem at the England – France game tomorrow at wembley just to help prove that the world is with you and that we are all in this together. All the majority of us want is peace.
Back to currency and the Pound is indeed set for a busy morning on the markets tomorrow morning as we have the Bank of England inflation report and then a flurry of inflation data to follow later on in the morning.
Inflation has been a key concern for the BOE of late and that will no doubt be highlighted in the report, this may lead to a little Sterling weakness initially if that should happen. The report is due at 9am.
Shortly after this at 09:30am we have all inflation data out at once, a slight move north from the -o.1% we saw last time for CPI (Consumer Price Inflation) may give Sterling a boost back in the right direction however of course if we see the opposite then the Pound may be in for a bad day.
If you are due to carry out a currency exchange involving buying currency with Sterling or bringing money back into Pounds then I can help you. The brokerage we all work for turns over half a billion Pounds worth of currency a year so we can get extremely good rates of exchange for our clients, we also pride ourselves on the very highest level of customer service too.
If you would like to enquire as to how to use our services or just to get a quote then feel free to contact me (Daniel Wright) directly by emailing email@example.com with a brief description of what you are looking to do and a contact number and Iwill be more than happy to contact you personally.
Sterling flops following inflation drop off – Pound finishes the day down against all major currencies (Daniel Wright)
Sterling has been performing about as well as the England rugby team over the past few weeks and I am afraid that trend has continued today.
Inflation figures released this morning led to further Sterling weakness and it seems like the chances of any interest rate hike in the U.K have been pushed back even further once again.
Interest rate hikes or even the mere speculation of an interest rate hike can be very positive for a currency and the fact that this has effectively kicked the ball down the road has now led to Sterling dropping off considerably.
I am still of the opinion that this is a minor blip for Sterling exchange rates and that we may see a Sterling fight back in the near future however I would now suggest that any pending currency exchange you need to make is approached with caution and it may be sensible to look at exchanging a small chunk or even half of your requirement fairly soon to remove a little of the risk.
Tomorrow morning we have U.K unemployment figures and average earnings figures released at 09:30am. These are extremely important again for the U.K and will have further impact on what the Bank of England do next.
Expectations are for a small rise in average earnings which may give the Pound a little strength back, unemployment figures are expected to remain at 5.5% so any figure that differs from this may cause us another volatile morning of trading.
We assist with not only getting you the very best of market information but for those that are not aware we can actually save you money on the exchange rates when you come to booking out a transfer too. The company all of the writers of this site work for has won numerous awards for rates of exchange and customer service and we would love to add you to our book of over 50,000 clients.
If you were planning on using a bank or already have a currency brokerage lined up then it would be mad not to email me for a quote and to see how I can help you. You can contact me (Daniel Wright) the chief editor of this site on email@example.com with a brief description of what you are looking to do and a contact number and I will be more than happy to get in touch with you personally.
Pound may surge in trading tomorrow morning if BOE minutes give a nod towards a rate hike (Daniel Wright)
Sterling exchange rates have the potential to creep up over the course of trading tomorrow morning as we have both the Bank of England minutes and the inflation report.
Interestingly enough the BOE are due to change the amount of meetings they have from 12 to 8 which I found out yesterday.
The key really will be how many members of the BOE voted in favour of an interest rate hike, should we have even one more member now in favour of a hike in rates then Sterling may rise off of the back of it as an interest rate hike is generally seen as extremely positive for the currency concerned.
If you have a currency exchange to carry out either now or in the future then it is well worth getting in touch with me personally. I can help you not only get a great rate of exchange but also with the timing of your transaction. Feel free to email me (Daniel Wright) directly on firstname.lastname@example.com and I will be more than happy to get in touch personally to speak to you.
Pound Sterling Forecast – The week ahead… Economic data which may affect Dollar, Euro, Australian Dollar, Canadian Dollar, New Zealand Dollar and Pound Sterling exchange rates (Daniel Wright)
We have had a reasonably quiet start to the trading week but I thought I would take a look at what the rest of the week has to offer.
This evening we have the RBA (Reserve Bank of Australia) meeting minutes from the last Australian interest rate decision. Any indication on future interest rate cuts or a change in fiscal policy may lead to Australian Dollar movement overnight. It has been Governor Glenn Stevens that has time and time again suggested he would like a weaker Australian Dollar and he is finally now getting what he has asked for. It would not surprise me to see comments from him that may make the Australian Dollar a little weaker.
The rest of the day tomorrow is fairly quiet all round however we have another late night release for those with an interest in Australian Dollars with a flurry of inflation data for Australian and then Glenn Stevens speaking shortly after.
Wednesday will no doubt be interesting and volatile for Sterling exchange rates with the Bank of England minutes coming out from the last interest rate decision in the U.K. Most important will be how many members of the BOE have voted in favour of an interest rate hike. Recent comments by Governor of the BOE Mark Carney have led to Sterling strength so another nod towards a potential hike may give the Pound a boost.
Shortly after this we have the inflation report and this can also lead to a volatile period for Sterling. This is released at 10:30am and I would expect a jumpy market during this period.
An interest rate decision is then the main focus later on which comes from New Zealand and then Thursday only really has Canadian retail sales figures to offer in the latter part of the afternoon.
Finally on Friday we have some manufacturing data for Europe throughout the course of early morning trading rounded off with New home sales over in the states in the afternoon.
If you have a currency exchange to carry out either now or in the future then it is well worth getting in touch with me personally. I can help you not only get a great rate of exchange but also with the timing of your transaction. Feel free to email me (Daniel Wright) directly on email@example.com and I will be more than happy to get in touch personally to speak to you.
Sterling exchange rate movements today – Quiet week for economic data this week (Daniel Wright)
First and foremost our sincere condolences to anyone involved in the air crash today, always deeply saddening to hear such news.
Regarding currency, we have seen another fairly stable day for Sterling against the Euro and Dollar yet with fairly sharp drops against the Swiss Franc, Australian Dollar, Canadian Dollar, New Zealand Dollar and South African Rand.
We saw inflation figures out earlier this morning which immediately knocked the Pound as inflation dropped to a rather concerning 0% against market expectations of dropping down to 0.1%.
The inflation issue remains a concern for the Bank of England, along with the fact that Manufacturing figures at the start of the week showing the U.k manufacturing levels are really down.
This may be partially down to the fact that Sterling has been so strong against the Euro of late which has possibly led to European clients of U.K businesses seeking to buy their goods and services from elsewhere in Europe instead of from the U.K as Sterling is just so expensive for them.
With this in mind it is no surprise that the 1.40 level for GBP/EUR did not stick around for long and although there are many problems still within Europe I personally still do not see Sterling gaining significant ground against the Euro in the coming weeks, so if you have a pending requirement to buy Euros for your business or to purchase a property overseas then it may be prudent to look at making a purchase soon rather than potentially seeing another boat of opportunity sail away.
If you have the need to exchange any currency in the coming days, weeks or months then it is key to have a proactive and efficient currency broker on your side for it. The company we work for has won awards both for our exchange rates and customer service so even if you are already set up with a broker it may be well worth you getting in touch with me directly and should save you money.
You can email me (Daniel Wright) on firstname.lastname@example.com with a brief description of what you are looking to do and I will be more than happy to contact you personally. I look forward to hearing from you.
Sterling exchange rates may be in for a volatile few days to end off the week? (Daniel Wright)
Important Economic data still to come out this week
Following a very quiet start to the week for the Pound here are a few key pieces of economic data due out over the coming few days that may affect the value of Sterling against these major currencies.
The two key days for me may be the Bank of England meeting minutes tomorrow morning at 09:30am followed by BOE Governor Mark Carney speaking in the early afternoon and U.K GDP (Gross Domestic Product) data due on Friday, also at 09:30am.
We are currently still very close to a two year high against the Euro and a nearly at a six year high against the Dollar so trading levels are still extremely attractive for anyone looking to buy either of these two currencies.
Last night we had Governor of the RBA Glenn Stevens speak and he has now once again spoken and confirmed that he is happy with the current monetary policy in Australia, seemingly changing his view that the AUD is too strong and giving the Australian Dollar some early morning strength.
Today – Reasonably quiet for economic data today with the main focus being on U.S inflation data which is due out at 13:30pm this afternoon. As with most U.S data this can have an effect on all major currencies as it does affect global attitude to risk.
Wednesday – Inflation data also starts the day off tomorrow with Australian having their turn this time. Australian inflation data is due out at 02:30am so could be an overnight market mover so if you have a requirement to buy or sell Australian Dollars in the near future it may be prudent to place a limit order or stop loss to either take advantage of a short spike or protect yourself from adverse market movement. Contact me for more details on how these options work.
Tomorrow morning does has the potential to be a big market mover although it has not been led to too much market volatility over the last few months. We have the Bank of England minutes out for the U.K which are from the last interest rate decision. The key will be if any members of the Bank of England have started voting in favour of an interest rate hike, for a long time now the vote has been all nine members of the monetary policy committee in favour of no change but with all the talk of interest rate changes coming closer will anyone have changed their mind?
In early afternoon Governor of the Bank of England Mark Carney speaks at 12:24pm so be very aware that investors will be hanging off of his every word so Wednesday for me has real potential to be the most volatile of the week.
For those tracking the New Zealand Dollar we have the RBNZ Interest rate decision out at 22:00pm and a small hike in interest rates is expected, if this happens be cautious of a little NZD strength overnight, if they do not hike as expected then we could see the Pound gain a little back. Again a stop loss or limit order overnight may be a sensible approach.
Thursday Thursday morning is fairly busy once again with a flurry of services and manufacturing data out for Europe throughout the morning from 8:00am until 9:00am followed by U.K Retail Sales data at 09:30am. Expectations are for a small rise in Retail Sales but as you are all aware these releases don't always come out as expected.
Friday Once again 09:30am is the key for those following Sterling exchange rates as we have GDP (Gross Domestic Product) data out for the U.K at this time. GDP measures the amount the economy has grown or shrunk within a specific period of time. This can be one of the most important releases of the month an again expectations are for a minor increase year on year but no revision to quarter 2.
All in all a fairly busy few days, so if you have a currency transfer to carry out involving any major currency it is well worth making me aware of it or giving me a call so I can notify you of any large market movements or so that you can secure these fantastic exchange rates so that the market does not have a chance to drop back away again if data is not too great.
If you have a requirement in the future but you do not yet have the full availability of funds you can book out a forward contract. This is where you can book a rate out for up to a year in advance with just a small deposit, removing the risk of the currency market making your purchase any more expensive in the future.
This is ideal if you are in the process of buying a property overseas as you can know exactly how much the property is going to cost you today and eliminate the risk of the Pound dropping away again and missing out on this great opportunity.
I look forward to speaking with you if you have any questions or queries or you would like to book out a rate of exchange. You can email me directly on email@example.com and I will be more than happy to assist you.


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Hotel D'Or, Mallorca Island
- Free WiFi in lobby
Main amenities
- 50 guestrooms
- Outdoor pool
- Breakfast available
- Pool bar
- 24-hour fitness center
- Terrace
- 24-hour front desk
- Air conditioning
- Daily housekeeping
- Garden
- Laundry service
- Multilingual staff
What's around
- Cala d'Or Marina (1 mi / 1.5 km)
- Cala Sa Nau (2.6 mi / 4.1 km)
- Vall d'Or Golf (5.1 mi / 8.2 km)
- Cala Marçal (6.5 mi / 10.5 km)
- Santanyi Outdoor Market (8.1 mi / 13 km)
Hotel D'Or, Mallorca Island
Hotel Info: 866-539-8117from $89
- Triple Room
- Double Room Single Use
- Standard Room, 2 Single Beds
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 50 rooms
- This hotel is arranged over 1 floor
- Check-out time is Noon
- Express check-in/out
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets not allowed
- Free WiFi in public areas
- WiFi in rooms *
- No parking
Nearby Two Star Mallorca Island hotels
In the hotel
- Breakfast (surcharge)
- Bar/lounge
- Poolside bar
- Barbeque grills
- Outdoor pool
- Children's pool
- 24-hour fitness facilities
- Bicycle rentals nearby
- Golfing nearby
- Sailing nearby
- Scooter/moped rentals nearby
- Snorkeling nearby
- Windsurfing nearby
- 24-hour front desk
- Dry cleaning/laundry service
- Laundry facilities
- Multilingual staff
- Garden
- Terrace
- Roll-in shower
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Balcony
- Private bathroom
- Bidet
- WiFi (surcharge)
- Daily housekeeping
- In-room safe
- Access via exterior corridors
Top Mallorca Island hotels
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Hotel D'Or, Mallorca Island's small print
Also known as
- D'Or Hotel
- Hotel D'Or
- Hotel D'Or Santanyi
- D'Or Santanyi
Cash transactions at this property cannot exceed EUR 2500, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 1.10 per person, per night. This tax does not apply to children under 16 years of age.
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On housing, Donilon at center of regulatory fight
There are 32 comments on the Buffalo News story from Oct 9, 2010, titled On housing, Donilon at center of regulatory fight. In it, Buffalo News reports that:
Before President Barack Obama picked him to be his next national security adviser, Tom Donilon was a lobbyist for mortgage giant Fannie Mae and fought off congressional attempts to impose new regulations.
Join the discussion below, or Read more at Buffalo News.
United States
#1 Oct 9, 2010
Obama gives Donilon another chance to screw up. A job as national security advisor of all things.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#2 Oct 9, 2010
Jones was the only outsider and independent voice in the Obama nut house. He's gone.
Now we see another Financial Crisis root (Donilon) embedded in the WH.
This only gets worse.
Since: Jan 07
#3 Oct 9, 2010
In this administration, politics trumps all positives. With only half of his term left, Obama has to ramp up his agenda and the only way to do it is to plant as many operatives as he can in key positions.
Following the midterms, it is absolutely essential for Congress to assert itself and stop the march toward global governance, the attack on personal success and the emergence of the US as the largest welfare state in the history of the world.
Since: Mar 08
Location hidden
#4 Oct 9, 2010
you gotta luv obama!! promised no lobbyists will be on his staff and he picks donilon - a lobbyist for fannie!!- a reputation of meglomania and ineptitude!! exactly the kind of person we want steering the gov't!! can only mean that this w.h. intends to continue to bury us into oblivion!!
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#5 Oct 9, 2010
Obama Transition Member Oversaw Fannie's Lobbying
Appointment Raises Questions About New Adminsitration's Pledge to Change Washington
By EMMA SCHWARTZ and JUSTIN ROOD
November 17, 2008
One of Obama's top transition team members, Thomas Donilon, oversaw an aggressive, backdoor lobbying campaign by mortgage giant Fannie Mae to undermine the credibility of a probe into the firm's accounting irregularities, according to a 2006 government report on the company.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#6 Oct 9, 2010
The Donilon Lobbying effort -- which reportedly included attacks on the funding for the oversight agency, the Office of Federal Housing Enterprise Oversight, and an attempt to launch a separate investigation into OFHEO itself -- was ultimately unsuccessful, and regulators eventually discovered top Fannie Mae executives had been manipulating the company's financial reporting to maximize their bonuses.
Facing accusations of misstating its earnings from 1998 to 2004, Fannie Mae settled with the Securities and Exchange Commission for $400 million in 2006, although it did not admit any wrongdoing.
He oversaw its lobbying, and helped paint a rosy picture of Fannie's financial health to the company's board, OFHEO investigators concluded, a picture that was ultimately proven false.
Donilon declined to comment for this article.
"Freedom Demands Responsibility"
Since: Aug 09
21st Century
#7 Oct 9, 2010
Woof, Obama the Genius! Now our very security is in the hands of one of the people that literally caused the housing bubble that burst. Where is Obama getting his marching orders? Obviously, George Soros.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#8 Oct 9, 2010
Donilon was no rookie to politics.
A veteran of the Carter administration, he was a top strategist for both Walter Mondale and Joseph Biden's failed presidential bids.
Great! Another Failure!
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#9 Oct 9, 2010
Donilon the Lobbyist Crook
Fannie Mae's accounting came under scrutiny in late 2003, after its sister organization, Freddie Mac, disclosed it had misstated its accounting.
Seeing the problems, OFHEO stepped up its monitoring of Fannie Mae and in a preliminary report in 2004 alleged the company had improperly used reserves to smooth its earnings.
Fannie Mae executives began pushing back hard against the increasing oversight. Its lobbyists -- overseen by Donilon -- pushed U.S. lawmakers to limit OFHEO's budget, and make it subject to annual approval. "[W] ith the knowledge and support of senior management, " Fannie Mae's lobbyists "used their longstanding relationships with Congressional staff to attempt to interfere with OFHEO's special examination," according to the report.
They also tried to get OFHEO investigated. Email trails show that Fannie Mae lobbyists drafted legislation which required a probe into how the agency spent its money.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#10 Oct 9, 2010
Donilon isn't the only member of the Obama team who has worked for one of the government-backed housing enterprises.
Wendy Sherman, who is working with Donilon the State Department agency review team, served on the board of Fannie's charity.
And Rahm Emmanuel, who will be Obama's chief of staff, served on the board of Freddie Mac, which also restated its earnings.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#11 Oct 9, 2010
Former Fannie Mae Exec as White House Chief of Staff?
Published: Friday, 24 Sep 2010
By: Diana Olick
CNBC Real Estate Reporter
As White House watchers mull possible replacements for Chief of Staff Rahm Emmanuel, Deputy National Security Adviser Thomas Donilon appears to be on the short list.
Donilon was part of the Obama transition team and served in the Clinton and Carter administrations.
But one listing on his resume could cause President Obama and his vetting team a headache.
Donilon was also Executive Vice President for Law and Policy at Fannie Mae (2000-2005) during investigations into accounting irregularities at the mortgage giant and was accused of overseeing a lobbying campaign against those investigations in a scathing government report.
It all started back in the headier days of the housing market, just before the boom but just after Freddie Mac admitted to accounting errors in 2003; that's when Fannie and Freddie's overseer, the Office of Federal Housing Enterprise Oversight (OFHEO), which later became the Federal Housing Finance Agency (FHFA) began looking into Fannie Mae's accounting practices. An early report claimed Fannie was using reserves to improve its earnings.
A May 2006 "Report of the Special Examination of Fannie Mae" by OFHEO says Donilon oversaw a major lobbying campaign against the accounting probe by Fannie Mae. Donilon was not accused of participating in the accounting issues, which ultimately led to a $400 million settlement with the Securities and Exchange Commission in 2006 (Fannie Mae did not admit any improprieties). But according to the OFHEO report:
"Fannie Mae's Government and Industry Relations Department had a special relationship of cooperation and support with select Congressional staff. In the spring and again in the fall of 2004, Enterprise lobbyists, with the knowledge and support of senior management, used their longstanding relationships with Congressional staff to attempt to interfere with OFHEO's special examination."
The report is very long and full of instances that show lobbyists under Donilon's charge fought the OFHEO investigation and even tried to counter, pushing an investigation into OFHEO. The report also cites a 2003 email from then COO (and later CEO) Daniel Mudd to Donilon, exposing what OFHEO calls "efforts to generate interagency conflict":
I spoke to [a Treasury Department official], he had agreed to talk to [the SEC] on "what to do if OFHEO was not falling in line" already ([another Treasury official] had already bent his ear about OFHEO obstructionism) promised me he'd check in to see where things were and would call [the SEC] when needed.
Donilon left Fannie Mae in 2005, before the release of the report and of course well before the conservatorship.
For those of you keeping track, from 2001 to 2003, Donilon received $1,889,821 in bonuses from Fannie Mae.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#12 Oct 9, 2010
With reform of the two mortgage giants on the administration's front burner, I have to ask how someone who was a part of the old crooked guard at Fannie Mae becomes part of the new guard at the White House without a few raised eyebrows.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#13 Oct 9, 2010
Anyone claiming Obama is not in the Back Pockets of Wall Street and Lobbyists will be getting a full glass of shut up juice from this Donilon Appointment.
Obama has to be the most corrupt SOB I've ever seen trying to get this crook embedded deeper.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#14 Oct 9, 2010
Fannie Mae and the Vast Bipartisan Conspiracy
A partial list of villains below.
By Jack ShaferPosted
Tuesday, Sept. 16, 2008,
The blowup and bailout of Fannie Mae and Freddie Mac by taxpayers was foretold so many times in the last three decades by critics of the two federally chartered and subsidized mortgage giants that not even the data-searching powers of Nexis, Factiva, and Google combined can total them.
The Wall Street Journal editorial page deserves a special commendation for hammering these two outposts of corporate socialism, not that the page's many warnings over the years helped avert disaster. Mae and Macespecially Maewere just too nurtured by the Washington establishment for any mere pressman to dislodge them from the government's teat.
In 1997, the New York Times' Richard W. Stevenson pinpointed Fannie Mae's strength when he wrote of the firm's "influential network that extends from the highest reaches of the Clinton Administration to the ranks of conservative Republicans on Capitol Hill."
the Washington Post ably described this week as:
The nearest thing to a license to print money. The companies borrowed money at below-market interest rates based on the perception that the government guaranteed repayment, and then they used the money to buy mortgages that paid market interest rates.
The key to Fannie Mae's survival was the patronage operation it ran. As Wall Street Journal reporter James R. Hagerty wrote two summers ago, "For years, high-level jobs at Fannie Mae were lucrative prizes for lawyers, bankers and political operatives waiting for their next U.S. government post." Now that the jig is up, let's meet some of the bipartisan warriors who fought for Fannie Mae's right to plunder.
1- At the top of the list we must place Franklin D. Raines, chairman and chief executive officer of Fannie Mae from 1998 to 2004.
2- Next up is Jamie S. Gorelick, whose official résumé describes her as "one of the longest serving Deputy Attorneys General of the United States," a position she held during the Clinton administration. Although Gorelick had no background in finance, she joined Fannie Mae in 1997 as vice chair and departed in 2003. For her trouble, Gorelick collected a staggering $26.4 million in total compensation, including bonuses.
3- Republicans also proved willing to serve Fannie Mae. Robert B. Zoellick, current head of the World Bank, has served President Reagan, President Bush 1, and President Bush 2 as a trade representative, deputy secretary of state, deputy secretary of the treasury, deputy chief of staff, and so on.
4- John Buckley worked at Fannie Mae for almost 10 years (1991-2001) but took a leave of absence to serve as Bob Dole's communications director during his 1996 run for the presidency.
5- Moving back across the aisle, let's say hello to Mr. Democrat James A. Johnson, who ran Fannie Mae from 1991 to 1998, served as vice chairman from 1990 to 1991, and earlier worked as a managing director at Lehman Bros. and for Vice President Walter F. Mondale.
6- Moving down the Democratic Party food chain, we meet William M. Daley, son of former Chicago Mayor Richard J. Daley and brother of current Chicago Mayor Richard M. Daley. Daley worked as special counsel to President Clinton and chairman of Al Gore's 2000 presidential campaign. He also served as a Clinton secretary of commerce from 1997 to 2000, and earlier as president of Amalgamated Bank in Chicago. He is now an executive at JPMorgan Chase & Co. Daley was appointed to the Fannie Mae board in 1993 by President Clinton.
7- As part of the "leave no Democrat behind" campaign, Johnson's Fannie Mae hired Walter Hubbell, son of Webster L. Hubbell, in 1994.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#15 Oct 9, 2010
But Fannie Mae is nothing if not ecumenical.
According to the Associated Press, Fannie Mae and Freddie Mac have spent $170 million on lobbying in the past decade.
"Fannie Mae's 51-member lobbying stable" includes "former Reps. Tom Downey, D-N.Y., and Ray McGrath, R-N.Y.; Steve Elmendorf, a Democratic political strategist and former congressional aide; and Donald Fierce, a longtime GOP operative. Freddie Mac's list of 91 lobbyists includes former Reps. Vin Weber, R-Minn., and Susan Molinari, R-N.Y." The AP notes the Fannie Mae ties enjoyed by McCain campaign manager Rick Davis and Arthur B. Culvahouse Jr., who helped in McCain's veep search. According to Politico, McCain economic adviser Aquiles Suarez worked as Fannie Mae's director of government and industry relations, and McCain finance co-chairman Frederic V. Malek spent time on the Freddie Mac board.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#16 Oct 9, 2010
A totally brilliant and prescient Washingtonian article from 2002 by Ross Guberman harvests a bunch of politicos who benefited from and supported Fannie Mae.
Arne Christenson, a former Newt Gingrich aide, was senior vice president for regulatory policy.
Tom Donilon was Fannie Mae's executive vice president for law and policy and secretary to the board of directors until 2005. He worked in the Clinton State Department and as part of the 1992 Clinton-Gore transition.
William Maloni worked for Rep. William S. Moorhead, D-Penn., the Federal Home Loan Bank Board, and the Federal Reserve before joining Fannie Mae, where he worked in government relations for more than 20 years.* Of Fannie Mae's board of directors, Guberman writes that it is "political by design."
The company's charter gives the President the right to appoint five of the board's 18 members. The idea was to ensure that Fannie fulfilled its public mission. Today the five appointees, considered big winners in the capital's game of spoils, promote the interests of Fannie's shareholders.
Recent directors include Ann McLaughlin Korologos, Ronald Reagan's Labor secretary; Ken Duberstein, Reagan's chief of staff;
Bill Daley, former Commerce Secretary and Gore spokesman during the 2000 election controversy; and Jack Quinn, counsel to Bill Clinton and lawyer to pardoned fugitive Mark Rich.[Emphasis added.]
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#17 Oct 9, 2010
Obama is trying to dig this Financial Crisis hole even deeper. It's unbelievable.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#18 Oct 9, 2010
Fannie Mae Before the Meltdown: The View from August 2002
Six years ago, a Washingtonian story issued an early warning about Fannie Mae.
Published Tuesday, July 15, 2008
A creature of Franklin Roosevelt's New Deal, Fannie Mae was born as the Federal National Mortgage Association. In an era of unemployment and foreclosures, FDR's brainchild provided local banks and thrifts with money needed to finance home mortgages. Almost 70 years later, Fannie Mae is one of the world's biggest financial-service companies. Eight trillion dollars pass through its coffers yearly.
In 1968, Lyndon Johnson, looking to spin the agency off the government's budget, converted it into a public-private hybrid called a "government-sponsored enterprise." Today Fannie Mae operates under a congressional charter but also generates profits for outsiders who hold more than $70 billion of its stock. In the past two years, as investments in high-tech and many other sectors of the economy have plummeted, Fannie's stock has gone from $50 a share to more than $70. Its earnings are expected to go from about $6.15 a share this year to almost $7 next year.
Fannie Mae's sole competitor, Freddie Mac, was created in 1970 so Fannie Mae wouldn't monopolize mortgage buying. In practice, they march in lockstep on Wall Street and Capitol Hill. Freddie has remained smaller and quieter, and its stock also has performed well. Since mid-2000, the share price has increased from $40 to more than $60, giving Freddie a market capitalization of about $40 billion.
At Fannie Mae's helm is another FDR--Franklin Delano Raines. A Harvard-educated Rhodes Scholar, a Bill Clinton budget chief, and the first African-American chief executive of a Fortune 500 company, Raines was considered a possible running mate for Al Gore in 2000.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#19 Oct 9, 2010
More - Fannie Mae Before the Meltdown: The View from August 2002
Peter Wallison, former counsel to the Treasury and a resident fellow at the conservative American Enterprise Institute, says it's impossible for the company both to maximize profits and to fulfill its public mission. Raines denies that the two tracks are incompatible, but he faces pressure from the competing constituencies.
Fannie's executives claim that outsiders focus on the company's "political story" more often than on its business. But Fannie Mae devotes so much effort to stifling dissent and preserving the status quo that it can be hard to know which is which.
At Raines's disposal is the most formidable team of Washington heavyweights that corporate America has ever seen.
"It's all a matter of know-who, not know-how," complains Ralph Nader about Fannie's higher ranks. "They've perfected all the techniques of lobbying and pay massive salaries for Rolodex hiring to ensure against any change." Nader's favorite example: Fannie Mae vice chair Jamie Gorelick, a well-connected Washington lawyer who earned almost $1 million in her first eight months on the job after serving as counsel to the Defense Department and deputy to former attorney general Janet Reno.
Besides Gorelick, Raines, and former Gingrich aide Arne Christenson, other politicos have cashed in at Fannie's executive suites. Running political campaigns is invaluable: Raines's predecessor Jim Johnson ran Walter Mondale's 1984 campaign after decades as a Democratic kingpin.
Coaching debates is worth something, too: Executive vice president Tom Donilon prepared Michael Dukakis and Bill Clinton for their campaign face-offs, and former general counsel Robert Zoellick prepped George W. Bush for his.
"President DOWNGRADE..Ha Ha Ha!"
Since: Sep 09
#20 Oct 9, 2010
Screwing the Public
These politically charged executives, directors, and lobbyists glide into campaign mode whenever Fannie's status is threatened.
After the Wall Street Journal criticized the company last spring, Fannie called the editorials a "smear job" and orchestrated protest calls. Top executives Arne Christenson and Chuck Greener--who knew editorial-page editor Paul Gigot from conservative circles--traveled to Manhattan to mend fences.
"After sending around all these nasty letters and launching these incredible missiles, they tried to jolly us, Republican to Republican," says Susan Lee, who wrote the Wall Street Journal editorials.
Christenson started the meeting by passing around old photos of Gigot and himself practicing tricks on the basketball court. The charm offensive didn't work. In June, the Journal's board argued that taking on Fannie and Freddie would be President Bush's biggest challenge after toppling Saddam Hussein.
A St. Petersburg Times study found that the foundation's grant-giving favors groups affiliated with Fannie's executives or in the districts of powerful politicians. Fannie denies that the foundation is a lobbying arm.
"Fannie Mae is a bit like the tobacco industry," Charles Lewis says. "They use the foundation to try to put a happy face on what they do. The whole thing is part of a perpetual boondoggle so they maximize public risk and private gain."
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R.J. Reynolds Co. fined $20 million for ads targeting teens
Associated Press WriterSAN DIEGO (AP) -- A judge fined R.J. Reynolds Co. $20 million Thursday for violating the terms of the 1998 national tobacco settlement by running magazine ads aimed at teen-agers.
The state Attorney General's office, which filed suit against the nation's No. 2 tobacco company last year, asked the judge to fine Reynolds $25 million and ban it from advertising in 50 magazines read by teens.
"This is the story of a company that refused over a long period to change its policies and practices as regards to teen exposure," Deputy Attorney General Karen Leaf said in closing arguments last month. "They have advertised in magazines very popular with teen-agers such as Motorcyclist, Hot Rod, and Spin."
The national tobacco settlement with 46 states makes no specific mention of magazine advertising but includes a ban on tobacco companies taking "any action, directly or indirectly, to target youth."
Superior Court Judge Ronald Prager found Reynolds violated that agreement.
Lawyers for Reynolds contended that such a restriction on advertising would violate the company's First Amendment rights.
"They want you to hold us in contempt and fine us $20 million for exercising a constitutional right," attorney Jeh Charles Johnson told the judge last month. "In this country, that is censorship."
Attorneys for Reynolds denied that the company deliberately targeted teens in its $200 million magazine ad campaigns for Camel cigarettes and other brands following the 1998 settlement.
Reynolds said its intended targets are young adults. Company policy forbids ads in magazines with youth readership of more than 25 percent. However, Reynolds lawyers conceded that an unintended consequence of targeting young adults is that some teens are likely to see its ads.
Expert witnesses testifying for the state said teens were often more likely than adults to see Reynolds' advertising, suggesting that the company was exploiting a loophole to reach youths.
"They were doing a better job of reaching teens than reaching their stated young adult target," said Leaf. "Substantial youth exposure cannot be explained away as incidental."
Reynolds had U.S. sales of $8.6 billion in 2001. It has about 25 percent of the American market through brands that include Camel, Winston, Doral and Salem.
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Playbook: Schools' holiday celebrations
Folks may not be dressed up like Eskimos in Orange County, but yuletide carols are being sung by choirs throughout the region. 'Tis the season for winter-themed concerts, plays and arts events, so we asked O.C. high school arts departments to share what they've been doing to celebrate the holidays.
Watch a video presentation of a song, with photos.
With so many performances and events happening through fall and into the holiday season, and only so many pages in OC Varsity Arts, we decided to put together a playbook of snapshots that were shared with us from various high schools. We hope you enjoy these vibrant pictures of young artists sharing their gifts.
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"We celebrated our 20th wedding anniversary at this perfect townhouse. Everything was better than we expected. Kitchen was well stocked and we so appreciated the amenities that were provided. Beds were comfortable. Entire house was clean and welcoming. And the view... that view was just beyond perfect. Loved seeing turtles at all times of the day. Doug was responsive and provided information in a timely manner. It was a great experience."Guest: Sarah W. Date of Stay: June 2016 Review Submitted: July 8, 2016View listing
"This is absolutely the best unit in the whole complex. Great location, we'll equipped with relaxing furnishings and big screen tv in the living room and one in each bedroom, ocean front, park and tennis courts within your view. This unit is on the third floor which has a washer and dryer and a quaint lanai. From there you can enjoy the most beautiful sunsets over looking Maalaea Harbor and the Island of Lanai. The complex is equipped with a swimming pool and BBQ that you can relax in the Maui sun and enjoy a picnic. If you want a little piece of paradise it's all right there."Guest: Daniel Y. Date of Stay: October 2015 Review Submitted: October 30, 2015View listing
"8 of us stayed here for a long weekend on Maui. The 4 bedroom set up worked out great. The house was very spacious, and there were lots of rooms to socialize in. The center courtyard was great, and set up for night time lighting as well. We especially enjoyed the hot tub...I think just about everyone used it. When we come back to Maui, I could definitely see us renting this exact same place, maybe even with the additional 2/1 option. The folks who oversee the property care and checked in to be sure things were going well. And all the extra amenities in the garage were nice to have available. We didn't have enough time to use it all."Guest: Mark S. Date of Stay: June 2016 Review Submitted: July 1, 2016View listing
"The condo was clean & well maintained. We enjoyed our stay, and will recommend the unit to friends & relatives."Guest: Laurina P. Date of Stay: January 2016 Review Submitted: January 24, 2016View listing
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