text:
- Report: #309811
Report - Rebuttal - Arbitrate
Complaint Review: Pinnacle Nissan
Pinnacle Nissan7601 E Frank Lloyd Wright Blvd Scottsdale, Arizona U.S.A.
Pinnacle Nissan Liars, pitiful customer service and an unresponsive GM Scottsdale Arizona
*Consumer Comment: SEND A COPY OF YOUR RIPOFFREPORT TO...
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My wife and I made a CASH purchase of a Sebring Convertible. We were told they had to run a credit report on us anyway BUT, it would not show up as an inquiry.
Well, we are buying a house, ran our credit report and guess what? Pinnacle Nissan DID run a full credit report on us which (slightly) dings your credit history. It didn't have a big impact but the fact that these weasels lied to us just frosts the heck out of me.
Like others here, I attempted to contact GM Martin Peters. Called twice and wrote a letter (not an email). Nothing. No response. No call back. No letter. Nothing.
There were other issues too - like the blaring hard rock music they play. I asked if it could be turned down while we talked - the guy laughed and said, "That's the music we play when the boss is gone." Classy.
Anyway, this organization is just low class and belongs somewhere where their customers have no class or intellect. At least that way they would fit in.
Scottsdale, Arizona
This report was posted on Ripoff Report on 02/18/2008 11:08 AM and is a permanent record located here: http://www.ripoffreport.com/r/Pinnacle-Nissan/Scottsdale-Arizona-85260/Pinnacle-Nissan-Liars-pitiful-customer-service-and-an-unresponsive-GM-Scottsdale-Arizona-309811. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Comment
AUTHOR: Karl - (U.S.A.)
SUBMITTED: Saturday, February 23, 2008POSTED: Saturday, February 23, 2008
Google this: SLUDGE POEM and read it! Toyota's CEO quit 2 weeks after Sludge Poem was posted here on ripoffreport.com! Go to the 9-7-07 Rip Off Report on the Toyota page and read the post that made this website's Front Page!!
Google this: THE COLLAPSE HAS BEEN TRIGGERED RIPOFF and read both posts and all Updates & rebuttals!
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Skip to comments.A Monstrous Story for a Monstrous Curriculum: The Ugly Heart of Common Core
Posted on 08/25/2013 1:39:28 PM PDT by lowbridge
I have been teaching for over twenty years. Generally, I have been given either no curriculum or curriculum that was focused on skills, not specific texts. I would have to get those skills taught in whatever way I wanted to get there. Sometimes I was given more direction and that direction was generally pretty good including texts, key terms, supplemental stories, and suggested writing assignments. These directions were created at a school level by the teachers in the school. I helped write some myself. Mostly, I have had a lot of freedom in how I could achieve the learning goals.
Not anymore.
Today I was in a professional development session for my school district. Our school system has swallowed the Common Core curriculum whole. Why wouldnt they? The federal system has said that it is voluntary, but voluntary means that the district gets cut off from major federal funding if it does not adopt the standards, so voluntary is subjective. Here is what the Washington Post reported Sen. Charles Grassley has to say about Common Core:
Current federal law makes clear that the U.S. Department of Education may not be involved in setting specific content standards or determining the content of state assessments. Nevertheless, the selection criteria designed by the U.S. Department of Education for the Race to the Top Program provided that for a state to have any chance to compete for funding, it must commit to adopting a common set of K-12 standards matching the description of the Common Core.
The Washington Post also reported, The Republican National Committee recognizes the CCSS for what it is an inappropriate overreach to standardize and control the education of our children
(Excerpt) Read more at dcclothesline.com ...
I don't understand how the Asians manage to standardize education and get great results while Americans can't do it without screwing everything up.
Here's the deal. Education better be taught in Espanol because the Baby Boomers who funded the Federal Government for the last 50 years didn't have enough children to fund your bullshit! They couldn't AFFORD to! Y'all hate us now? Come on, come on!!!
Probably because they aren't afraid the kids will grow up knowing too much to vote Socialist. :)
Asian countries generally start with smart kids and then don't subject them to ed school/teachers union claptrap. Nationalizing standards IMO is not fundamental to their results.
I'll go out on a limb and surmise the Asian Nations you reference don't have powerful Teachers Unions.
Education in Mexico and most of Latin America is much better than here, because they actually manage to teach kids to read and do basic math, which is why your Latin American yard guy can actually go on and found his own landscaping business once he has earned a little money here.
We need to go back to teaching kids facts. The problem with "Common Core" is that while it sounds like it's teaching facts ("original sources"), it's not. It's actually aimed at teaching them the conclusions they should draw from reading one or another thing. In other words, it's indoctrination.
Kids simply need to learn how to read, how to write coherently, and how to do math. They also need a basic civics course (that is, government structure, how and why to vote, etc.) and a basic history course that at least enables them to distinguish between the Revolutionary War and the Civil War. I can tell you from personal experience that even college students are shaky on this.
The kids I know are shaky on the difference between Germans and Russians. They're not sure what language they speak in Venezuela (Venezuelan?). They're not clear what the difference is between the two world wars and who fought who. They don't know math. They don't know history. They don't know geography. They haven't read the classics. Nothing.
Our education system doesn't educate, it only indoctrinates, and does a poor job even at that. Kids are graduating with a cartoon understanding of the world at large. I just shake my head. Good kids, mind you, but clueless.
Honorable livius. That's not the typical migrant I'm speaking of. You know it too.
"Race to the Top," indeed. I take from this two unintended meanings:
- First, race has been pushed to the top--of everything.
- Second, which race is being pushed to the top, or rather, which race is being held down?
All of them, if they are educated in public school.
I've never seen anything in the Constitution that entitles the feral government to take command of education.
But some more than others. AA is focused on whites and Asians. Common Core promotes similar liberal values.
Actually, the typical migrant we have here is exactly what I'm talking about. Their skills are way above those of Americans willing to take low-end jobs.
Latin American countries have very little economic freedom because they are very socialist in their structure (thanks to a combination of early 20th century Marxist influences that turned these countries into oligarchies ... Pemex is still a state owned company...and 1960s university Marxist "revolutionaries"). So if they want economic freedom, they come here.
But the reason that Latin Americans are hated by blacks is that even with the language barrier, Latin Americans do better because they have a basic foundation. They can read Spanish, and they learn to read and speak the English they need very quickly because they actually want to make money here. They can also do basic math, which is something I can attest - from personal experience working with lower income kids, both black and white - is something not learned anymore in American schools.
Sounds like you're speaking of kids from the neighborhood I grew up in. I speak Spanish fluently livius and I can tell you these MFs coming into America don't have the Democracy you or I believe in. They broke their own country. They are complete sponges and you'd better wake up! Keep dreaming!
Freep-mail me to get on or off my pro-life and Catholic List:
Please ping me to note-worthy Pro-Life or Catholic threads, or other threads of general interest.
Which is why they claim it's voluntary. Volunteer or lose the money we send you. See. No command.
How about letting parents choose the form of their child's education?
Modern schooling is babysitting. I can prove it in one sentence.
If you wanted a group of people to assimilate some information, would you assign them to 100 hours in a classroom, or would you tell them that they could advance to the next subject once they demonstrated mastery of the subject, through passing a sequence of tests?
Having worked in several countries in latin america I'll agree with you that the education is often better. It is infected with a leftist bias, but softened by the overall catholic assumptions. (If leftism undermines catholicism, the reverse is also true...) The kids are smart.
The left bias guarantees that they can't change the direction of their governments, though.
As you say, the ones who want economic freedom go far and wide looking for it (especially these days) and tend to do well. I work with quite a number of south american exiles and they tend to be our star performers. Technically well prepared and determined to prove it.
Another difference: Here, kids don't for the most part grow up wanting to study engineering. There, engineering is a prestige job. They have a different self-image.
I don't see anything wring with common core in math and english. It's good to know across states which schools have students better able to solve for x in 5x + 2 = 7.
That's what they want you to think this is.
But it isn't.
It isn't even close.
but voluntary means that the district gets cut off from major federal funding if it does not adopt the standards, so voluntary is subjective
Dana, honey, voluntary now means involuntary. You need to catch up your Newspeak. OINK!
AND here is the real agenda - ONE WORLD EDUCATION
Common Core The Qatar Connection: A Wahhabi State Skypes With Your Children Connect All Schools
From article:
The acronyms for Americas New World Order education are mind-numbing all the better to keep you from connecting who is connected to who/whom/which. First, I have found one source that connects Common Core Initiative Standards (CCIS) to Connect All Schools, and that is on the Connect All Schools website page titled One World Education (OWE).
The program is the first of its kind in New York City to integrate Arabic into an elementary school curriculum, organizers said.
The classes are a joint program between the Language Project and the Washington, D.C.-based, non-profit Qatar Foundation International.
This is important because in the near future, Arabic is going to be a global language, Mamdouh added.
Their parents spent big bucks to send their kids to after-school tutoring schools.The tutoring schools are **PRVATE**! ( Gee! Imagine that!)
Maybe, just maybe, their government owned and run socialist-entitlement and single payer K-12 schools are just as crappy as our socialist-entitlement and single-payer schools!
see post 23 - meant to include you in the ping
I assume you are not talking about the Philippines, which has an awful education system.
The definition of Asian is about as clear as the word Hispanic
All people need to know is that this President WANTS it - and Bill Ayers, the "curriculum expert", is very active in this mess.
This has absolutely nothing to do with "standards". At least, not in the way people normally think of them.
"I dont understand how the Asians manage to standardize education and get great results while Americans cant do it without screwing everything up."
It probably has something to do with the notion that in most countries in the world, there is not an ever-widening cabal of smug and arrogant elites seeking to destroy the existing order or lack of order for their personal gain. At least not on a longstanding basis. I am not saying there aren't plenty, indeed, a majority of politicians in every system seeking personal gain. There certainly are. But the great majority of them do not view their nations as rotting corpses where, if they not get their scrap of meat off the bones, there won't be any left.
I have little doubt Common Core will soon turn whatever is left of our once fine public education system into a Common Corpse...
I don't know what planet you're living but the illegal aliens I've come in contact with when I was in construction couldn't read or write their own language and most of them had never set foot in any classroom.
My understanding is that reading choices are largely determined at the state and county level. Teachers may choose from an approved list.
If you mean to refer to grammar and basic writing competency, assuming one accepts a traditional approach, then yes, common standards, measurable, might be desirable.
Those two are what I specifically mentioned in my original post.
"Education better be taught in Espanol because the Baby Boomers who funded the Federal Government for the last 50 years didnt have enough children to fund your bullshit! They couldnt AFFORD to!"
They chose not to (and their children and grandchildren continue to choose not to), and now the meek are inheriting the earth.
Teaching Math in 1950:
A logger sells a truckload of lumber for $100. His cost of production is 4/5 of the price. What is his profit?
Teaching Math in 1960:
A logger sells a truckload of lumber for $100. His cost of production is 4/5 of the price, or $80. What is his profit?
Teaching Math in 1970:
A logger exchanges a set "L" of lumber for a set "M" of money. The cardinality of set "M" is 100. Each element is worth one dollar. Make 100 dots representing the elements of the set "M." The set "C," the cost of production contains 20 fewer points than set "M." Represent the set "C" as subset of set "M" and answer the following question: What is the cardinality of the set "P" of profits?
Teaching Math in 1980:
A logger sells a truckload of lumber for $100. His cost of production is $80 and his profit is $20. Your assignment: Underline the number 20.
Teaching Math in 1990:
By cutting down beautiful forest trees, the logger makes $20. What do you think of this way of making a living? Topic for class participation after answering the question: How did the forest birds and squirrels "feel" as the logger cut down the trees? There are no wrong answers.
Teaching Math in 2002:
A logger sells a truckload of lumber for $100. His cost of production is $120. How does Arthur Andersen determine that his profit margin is $60?
Teaching Math in 2010:
El hachero vende un camion cargado de lena por $100. Su gasto de unga bunga munga funga dunga...
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

subset: commoncrawl


text:
from IndianapolisStar.com
Frist leads informal GOP poll for '08
MEMPHIS, Tenn. (AP) – With home-field advantage, Senate Majority Leader Bill Frist placed first in an informal poll of 2008 presidential hopefuls at a Republican conference Saturday night. The two-term Tennessee senator received 526 first-place votes, or 36.9 percent, in the Southern Republican Leadership Conference's "straw poll" sponsored by Hotline, a political digest. Massachusetts Gov. Mitt Romney finished second with 14.4 percent and Sen. George Allen of Virginia finished third, tied with President Bush – who cannot seek a third term.
from Columbus (OH) Dispatch
Blackwell schedule lists more contact with two pastors
Meetings were not political, candidate says
Dramatic elections forecast
GOP scandals give Democrats best shot in years
from DesMoinesRegister.com
Primary changes could help Vilsack
03/11/2006 – Iowa Gov. Tom Vilsack would face a unique challenge, should he run for president in 2008: Find a place besides his home state to generate all-important campaign momentum.
Romney courts GOP activists for 2008 bid
03/11/2006 – Massachusetts Gov. Mitt Romney said Friday that Iowa is a bright spot on a challenging election-year map for Republicans running for governor.
Edwards, McCain to appear at political events in Iowa
03/09/2006 – Prospective 2008 presidential candidates John Edwards and John McCain are scheduled to visit Iowa in the coming weeks.
Huckabee courts social conservatives
03/07/2006 – In the political equivalent of preaching to the choir, Arkansas Gov. Mike Huckabee introduced himself to many of the Iowa social conservatives whose support he will need should he run for president.
from UnionLeader.com
Kerry tells NH voters: GOP on wrong path
Nashua – Former Presidential candidate John Kerry was in the state yesterday drumming up support for local Democrats and sounding like a man with his eye on higher office again.
Primary buzz is building early
With the first-in-the-nation New Hampshire primary slightly less than two years away, they're already working for the political hearts and minds of a relatively small number of Republican and Democratic activists.
Almost unanimous DNC panel votes to put other states before New Hampshire
Washington, D.C. – An influential panel of national Democrats voted overwhelmingly yesterday to have one or two ethnically, economically and geographically "diverse" states join Iowa inholding presidential nominating caucuses before the New Hampshire primary in January 2008.


text:
Written on: 16/07/2004 by Nikki001 (39 reviews written)
WHSmith is a great shop for buying stationary and loads more stuff it has loads and loads of magazines, and there is some nice stuff to buy people presents. If you haven't got a rubber or ruler or something like that it is a very handy shop indeed. And they're always doing special offers.
As rated by our community of reviewers
" Good selection " Read More
" Do not waste money here. " Read More
Written by Justlay
" WORST. SERVICE. EVER. " Read More
" Nice shop " Read More
Written by john.abb
" Well written, funny, exciting " Read More


text:
Humidity at home?
Advertising Agency: DDB, Paris, France
Creative Directors: Alexandre Hervé, Sylvain Thirache
Copywriter: Matthieu Elkaïm
Art Director: Pierette Diaz
Art Buyers: Bérenice Badobre, Sophie Mégrous
Account Supervisors: Sophie d'Aurelle, Arnaud Rouquet
Photography: Mark Leary
Retouching: Romuald Habert
Published:June, 2007
5 comments
brandsurgeonJun 18, 2007 - 6:16
Sorry, dull moment here. Can someone please explain?
Sorry, dull moment here. Can someone please explain?
Most times, worst enemies used to be best friends...
ellehcimeoJun 18, 2007 - 11:19
It's pretty nice! Love the frog's eyes!
brandsurgeon, the room is so humid there are frogs. The little froggy was trying to get the flies in the fly trap paper and got tangled up in there too.


text:
After I install WordPress, and in Admin -> Users -> [my user name], I choose, let's say, the blue color scheme vs. the grey one, where in the wordpress server files does that change what css file/rules it calls? I'm just curious as to how the admin side of WP interacts with the actual files on the server, and this was the simplest question I could think of.
Thank you!


text:
Michigan Lowering US Flags, Services Across State To Honor Sept. 11 VictimsSept. 11, 2001 is one day Americans will never forget.
Snyder Orders Flags Lowered In Honor Of Victims Of 9/11 AttacksThirteen years ago, our country awoke to the tragedy of 9/11 ...
Honoring The Fallen & Saluting The Heroes Of 9/11As we observe the anniversary of September 11, 2001 remember the events of that day in photos as collected by WYCD Detroit.
WSU Holds 9/11 Remembrance CeremonyJust days from the 10th anniversary of September 11th, Wayne State University is one of many organizations holding special ceremonies to mark the tragedy.
Many Voices Share Reflections On Hope Since 9/11Nine spiritual leaders from many walks of life and faith in New York share stories of hope about 9/11.
Train Passengers Noticing Increased Security It appears al-Qaida was considering attacking U.S. trains on the upcoming anniversary of the September 11th attacks.
Governor Wants Flags Lowered For Sept. 11th
Petraeus: Burning Qurans Could Endanger Troops


text:
adidas SLVR, invites us inside the Spring/Summer 2011 collection with a video directed and filmed by Theodore Stanley. The piece highlights SLVR's subtle details and effortlessly cool style, all while being functional, and stars top models Kori Richardson and Clement Chabernaud. Styled by Jay Massacret of VMan fame, this video makes us curse the snow that's on the ground and dream about the warm weather to come. Click to watch and escape.
Watch: adidas SLVR Spring/Summer'11 Mood Film
Watch Now


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Version number of the presently used kernel
This functionality does not run in MATLAB.
Pref::kernel() Pref::kernel(<BitsInLong>) Pref::kernel(<BuildNr>)
The version numbers of the kernel and the library may differ.
Pref::kernel refers
to the kernel, whereas the call
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the version number of the installed MuPAD® library.
Here the version numbers of kernel and library differ:
Pref::kernel() = version()
A 32-bit architecture:
At the time of this writing, kernels build number was 42703:
The kernel has an additional build number which enables the developers to identify the exact sources for this kernel.
Version number: a list of three nonnegative integers or a number.


text:
Here's the entire text of the prepared remarks from Ameritrade's (ticker: AMZN) Q3 2005 conference call. The Q&A is here. We recognize that this transcript may contain inaccuracies - if you find any, please post a comment below and we'll incorporate your corrections. And please note: this conference call transcript is a Seeking Alpha product, so feel free to link to it but reproduction is not permitted without the explicit permission of Seeking Alpha.
Donna Kush, Managing Director, Corporate Communications
Joe Moglia, Chief Executive Officer
Randy McDonald, Chief Financial Officer
Bill Gerber, Managing Director, Finance
Prashant Bhatia, Citigroup, Analyst
Richard Herr, KBW, Analyst
Rich Repetto, Sandler O'Neill, Analyst
Dave Chamberlain, Pemco, Analyst
Howard Chen, CSFB, Analyst
Mike Vinciquerra, Raymond James, Analyst
Michael Hecht, Banc of America Securities, Analyst
Matt Snowlling, Friedman, Billings, Ramsey, Analyst
Good morning. My name is Lee and I will be your conference facilitator. At this time I would like to welcome everyone to the Ameritrade September quarter and fiscal quarter 2005 earnings call. All lines have been placed on mute to prevent any background noise.
After the speakers' remarks, there will be a question-and-answer period. Operator Instructions Thank you. Miss Kush, you may begin.
Donna Kush, Managing Director, Corporate Communications
Thank you, Lee. Good morning, everyone.
By now you should have received a copy of our press release that was faxed or Emailed to you this morning. If you have not, please call our Investor Relations department and we will fax or Email one to you immediately. Otherwise you can view a copy of our release and slides, listen to the call, and submit any questions to us via our website at amtd.com. Also, if you want to contact us directly after the conference call, please call Investors Relations at 800-237-8692.
Before we begin, I would like to note that this call contains forward-looking statements that are made pursuant to the Safe Harbor Provisions of the Federal Securities laws. These statements involve risks, uncertainties, and assumptions that may cause actual results to differ materially from those anticipated. Listeners to the call are advised to review the risk factors contained in our most recent annual report on form 10-Q, 10-K, and quarterly report on 10-Q for descriptions of risks, uncertainties, and assumptions related to the forward-looking statements.
In this call, Ameritrade management will discuss some non-GAAP financial measures, specifically, operating margins, EBITDA, expenses excluding advertising, and liquid assets. Listeners to the call can find a reconciliation of these financial measures to the most comparable GAAP financial measures and the other required disclosures in the slide presentation during this call, which can be found, again, on our website at amtd.com.
Please note that this call is intended for investors and analysts and may not be reproduced in the media, in whole or in part, without prior consent of Ameritrade.
At this time I'll turn the call over to Ameritrade CEO Joe Moglia, who will be followed by Ameritrade's CFO and CAO, Randy McDonald. Joe?
Joe Moglia, Chief Executive Officer
Thank you, Donna. Good morning, everybody. Welcome to the call.
This is our third consecutive record year in a row. We finished the year at $0.81, with $335 million in net income. That's up 27% from where we were a year ago. And over the span of the last three years, Ameritrade has generated $744 million in bottom line net income. That's something, frankly, in a difficult market environment, that we are really very proud of.
When you take a look at the actual quarter itself, there were a number of records that were set. We set records for EPS, net income, pre-tax income, operating margin, EBITDA, and net revenue. When you look at the entire year, I've already alluded to the fact the $0.81 and the $335 million were both records. Our pre-tax income, also a record of $545 million or 54%. That was up 24% from where we were a year ago. Our operating margin is at $637 million or 64%, up 17% from where we were a year ago. EBITDA, $572 million, 57%. And net revenue is just about $1 billion.
As far as the rest of the quarter goes, we did average trades per day of 146,000. For the year, we came in at 156,000. So, for October, it is 154. Our ROE for the year came in at 25%. And new accounts, we opened up 372,000. Now, of the 372,000, 327 were opened organically through our advertising and 45,000 through our M&A and acquisition of JB Oxford.
The net account growth for the year was 197,000. We finished the year with 1.735 million qualified accounts. Our client access were 83 billion. And our liquid assets were almost 400 million.
Now, I want to spend a minute and I want to talk about, frankly, where we're headed over the span of the next couple of years. Our scalability and our operating leverage have been, I believe, to a great degree, our competitive advantages, and they are the reasons why we've achieved what we've achieved over the span the last three years. If, however, we're going to maximize our potential and accomplish something really significant over the span of the next several years, we're if effect going to have to be able to focus on long-term growth and we will do that through our client segmentation strategy and our movement from a marketing organization to a marketing and a sales organization.
With regard to the client segmentation strategy, and we've talked about this before. We will continue to emphasize our efforts in the active trader space. But we will very much intensify our efforts in the long-term investor area. The big effort for us is that of the $83 billion of assets that we have, or the almost quarter of a trillion that we're going to have after we close the deal, the majority of our clients' assets are still held away from us. So we think by having a legitimate long-term investor suite of products and services, we will significantly have an opportunity to be able to grow our share of wallet. That will help us with our prospects. But we think it will also help us garner greater yield from our current account base. It will make us more of an asset gatherer, and we believe that should command a higher premium with regard to our PE in the marketplace. It will help us with our retention. And it will help us with new accounts. And as far as our clients go, we will offer them now the full spectrum of -- going forward, the full spectrum of customization and choice, whether you're do-it-yourself and you want an electronic execution to simply buy or sell a stock, or whether you want somebody else to actually manage your money or you want a relationship with the branch.
The movement from marketing organization to a marketing and sales will become apparent over the span of the next 12 months or so, especially after we close the deal. A simple example of what that means is just how we will focus on Amerivest. Today the entire effort on Amerivest has dominantly been internal and has been all from a marketing perspective. Moving forward, there will be a much greater effort from the branches and from our investment consultants to sell Amerivest works appropriate for our clients.
We just recently relaunched the Amerivest site. We've added auto-balancing and auto-investing. For those of you that haven't seen it, it would only take you a few minutes. I would encourage you to do it. And again, while this has been our dream and our vision all along, the TD acquisition, frankly, leapfrogs our ability to implement our strategy by several years because of the different assets and the products and services that we are getting from them.
Now I want to focus a little bit on what is going to take place as far as the close goes. There are three things that have to take place. First, we've got to be able to finance the dividend. We will be doing $2.2 billion, 1.6 of which will be used to pay the dividend itself. We'll have 300 million of working capital. And we're going to increase our revolver that's currently at 105 million to 300 million.
We have already made our presentation to the rating agencies and we're waiting for them to come back with their final determination of those rates. Citibank will lead the deal and co-led by Merrill, UBS, and JP Morgan.
Second thing that has got to take place is regulatory approval. We're already done with Hart-Scott-Rodino. And we are awaiting on the New York City Stock Exchange and the NESD. We don't anticipate any issues as far as they are concerned.
Lastly, we need to be able to come up -- provide shareholder approval. Now, on September 12th, we filed the proxy. That was returned to us about a week ago. We're going to get that refiled within about a week. Now, once the SEC is satisfied, i.e., that means they send the proxy back with no more comments, at that moment we will be ready to go within 24 hours. A mailing will take place immediately, and then there will be a 20-business day wait from the time the proxy gets out to the shareholders' vote. The vote takes place, and then there is approximately ten business days after that that is basically an administrative waiting period for the New York Stock Exchange. Once that is done, we pay the dividend and then actually close it. We want to get this deal done as soon as possible. But my best guess with regards to an estimate is probably going to be sometime in January.
Now, with regards to the specific SEC comments: eventually all of that information will be a public document. But there's one thing that we want to be able to highlight and share with you ahead of time. And that is that the SEC has questioned the documentation supporting the accounting treatment of the hedge that we've used on our night stock on the actual day that we entered into the transaction back in February '03. From day one, we have been running both the hedge and the night stock through our balance sheet. If it is determined that our documentation is inadequate, we may need to run that hedge through our P&L. If so, there will be no economic impact to either cash flow or our stockholders' equity, but we will record noncash gains in '05 of a penny; '04 of two pennies, or 5 and $10 million, respectively; and a noncash charge in '03 of $0.07 or $28 million.
We've put together a slide, just so this is crystal clear for everybody, and I would like to run you through this now. The heading of the slide is The Night Position. Now, this is the way that the night stock and the night hedge has been on our balance sheet all along. The night stock in '05 lost $4 million in terms of mark to market. But the hedge gained $5 million. The net impact on stockholders' equity was $1 million. Remember, this was all on our balance sheet. However, if we had to run the hedge itself through the P & L, we would record a noncash charge of $5 million -- I'm sorry, a noncash gain of $5 million and an improvement of a penny.
In '04, on our balance sheet, the night stock lost about 10 million bucks. The night hedge gained about that. The net impact to stockholders' equity was around $1 million. But if we needed to run that through our P & L, we'd achieve a $10 million or a $0.02 noncash gain.
In '03 the night stock went up about 31 million. The hedge was down about 28 million. So the impact of stockholders' equity was a positive 3 million and change, but again, if we have to run the hedge through our P & L, we would take a $28 million or $0.07 noncash charge.
I reiterate, there is no economic impact here in terms of our overall cash flow. And we are currently working with the SEC to try to get this wrapped up and resolved.
Now, with regards to our integration preparation, there are some decisions that we have already made that we've communicated internally and with TD Waterhouse and we are happy to share with everybody now. We said with regards to personnel and management, we wanted to make sure that we kept the best talent on both teams and consequently, Tom Bradley from Waterhouse will be running our advisory business going forward. John Bunch from Waterhouse will be running our branches and investment consultants, going forward. At Ameritrade, Bryce Engel, who is in charge of all of our brokerage operations, will continue to do that going forward. And Jerry Bartlett, whom we've just promoted at Ameritrade to Chief Information Officer, will continue in that role going forward.
With regard to functionality, we made a decision that we are going to operate the call centers and clearing efforts out of both Omaha and Fort Worth, and we will be closing down the TD Waterhouse efforts in Harborside, New Jersey.
We said when we announced the deal we thought 378 in terms synergies and 200 in terms of revenue opportunities, i.e, a 578 number was what we thought was realistic. We still think that number is realistic. And the next update with regard to the integration and all the things associated with that will take place right after the close. Now remember, a number of you have asked me questions on this, because of the people that are involved in many of these decisions, we will not announce anything externally until it is handled internally first. Hopefully everybody understands why that is the case. So I would anticipate the next update shortly after our close.
With regards to outlook for '06, we know that everybody is most interested in what TD/Ameritrade is going to look like. But for the time being, we thought it would be far more simpler and far more accurate to report Ameritrade only and we will update TD/Ameritrade again after the close. If you have any interest in looking at Waterhouse has been doing over the span of the last several months, their information is on the TD website. You can find that by going to td.com; investor relations; financial reports; and then TDW trading volumes. Again, td.com; investor relations; financial reports; and TDW trading volumes.
As always, we've given you a sensitivity analysis on the outlook statement that ranges anywhere from 3 to 7% activity rate. But our more specific guidance for the quarter will be 3.8 to 4.8%. And as a point of reference, in '05 our activity rate was 4.3%.
I would ask you to go to the slide on our EPS growth. If we come in at 3.8% activity rate for the entire year, we generate around $0.83. If we come in at a 4.8% activity rate for the year, we would generate $1.02. If we repeated the 4.3% activity rate, we come in at $0.93, which is up 15% ahead of last year.
As far as your models go, one thing you may want to keep in mind, in '06, we will have a 52-week year. In '05, if you recall, we had a 53-week year.
That's it, as far as our numbers go. Let me turn it over to Randy for greater detail.
Randy McDonald, Chief Financial Officer
All right. Thanks, Joe.
Let's start with operating leverage. As Joe mentioned, this year was the best in the Company's history. It also included three of the four best quarters in Ameritrade's history.
We generated a record $572 million in EBITDA or 57%. When you combine that with $467 million that was earned in fiscal year '04, the firm generated more than $1 billion in EBITDA.
Net revenues increased from the same quarter last year by $87 million or 47%, from 187 million to 274 million. That was driven by almost a 100% increase in net interest income and a 26% increase in commission income.
Now, I'll note that we continue to deliver on our promise of operating leverage, as our revenues increased 47%, yet our earnings per share increased 64%.
Let's review the income statement and look at the quarter-over-quarter results. Again, this quarter, we move to a more diversified revenue stream. Last year, commissions versus asset and fee-based revenues were a split of 55, 45. This quarter, the split is 47, 53.
Turning specifically to commission income, the commission revenues increased 26% or $27 million over the same quarter last year as a result of an 18% increase in trades per day and five additional trading days in the current quarter.
The commission rate was $13.01 for the September quarter, which was 1% lower than the same quarter last year. That's slightly higher than what we expect in our outlook statement, and that would be primarily due to greater activity and options trading.
Turning now to net interest income, the net interest revenue approximately doubled, to $126 million from $63 million in the same quarter last year. The net interest revenue growth is comprised of three things: larger loans plus segregated cash balances earned an extra 69 million. Ameritrade's securities lending business and other interest earned an extra 26 million. And all of that was offset by an increase in expense from securities lending and interest paid on client credits of $33 million.
Let me drill down, starting with marginal loans, and looking at interest from marginal loans, which increased 26 million to 66 million this quarter. That was primarily due to increased rates. Additionally, balances improved slightly, to $3.6 billion from 3.2 billion, which was at the higher end of our guidance.
The average margin rate earned was 6.86%, which was slightly in excess of our guidance. We typically don't forecast Fed rate increases, and we experienced two increases in the quarter. So this resulted in interest revenues from margin balances being at the upper end of our range.
Now, the margin rates increased to 6.86% from the same quarter last year of 4.93%. That's a 193 basis point increase. However, we did not increase the rates we paid on the client cash at the same velocity. Those rates only improved by 43 basis points. Therefore, this resulted in 150 basis points, wider spreads on margin loans from 4.67% in fiscal year '04 to 6.17% in fiscal year '05.
Turning now to segregated cash, the interest from seg cash increased by 43 million to 70 million this quarter. And that was almost entirely due to increased rates. The average seg cash balances increased only 100 million from the same quarter last year to 7.7 billion this quarter. The average seg cash balances of 7.7 billion were within our guidance, and the average rate earned of 3.35% was up from 1.45% in fiscal year '04, or 190 basis points, and that was slightly above our guidance. So for both these reasons, interest revenues from seg cash balanced were at the upper end of our range.
Similar to the spreads on margin loans, our spread on seg cash also widened. They widened by 147 basis points to 266 basis points in fiscal year '05 from 119 basis points in fiscal year '04.
Now looking at the client credits, client credit interest increased by 12 million to 18 million in the September quarter from 6 million in the same quarter last year. The average client credit balances were 9.4 billion and were at the upper end of our range. The average client credit rates were 69 basis points. They were at the lower end of our range. So that resulted in client credit interest expense of approximately 18 million, which was within our guidance.
The client credit rates increased 43 basis points from 26 basis points in fiscal year '04 to 69 basis points this year. So the result is the Company did a great job in controlling interest expense and widening our overall spreads.
Securities lending, the interest revenue earned there and the interest expense paid on the securities lending business increased over the same quarter last year by 24 and $22 million, respectively. So that resulted in a net increase of $2 million over the same quarter last year.
Finally, with regard to other revenue, it was down about 2 million, which primarily resulted from a nonrecurring gain last year from selling a repo instrument.
When looking at the sequential quarter results, so when comparing the September quarter to the June quarter, the net revenues were up 40 million or 17%. The commission revenue increased 16 million or 14%. That was primarily due to 7,000 more trades per day and four more trading days in the current quarter. Additionally, commission per trade increased 2%, primarily due to higher options activity.
Net interest income was up 27 million or 27%. There were three reasons: There were seven more interest days; slightly higher average margin in seg cash balances; and higher spreads earned on these balances.
Other income was down 3 million due to certain reorganization fees received in the June quarter, not recurring this quarter.
Expenses before advertising were 96 million. That was up 23 million or 32% over the same quarter last year. I'll remind you the starting point of 73 million in the same quarter last year was actually 82 million because of some one-time credits in that quarter. What that means is the comparative increase was actually 14 million.
Then we had some unusual items this quarter. The September quarter this year was one week longer. That resulted in an additional 6 million of expense. There is $5 million of severance payments to some former executives. And we had increased bad debt expense this quarter of $4 million. Then we add $4 million of variable expenses from 23,000 more trades per day this quarter, and the sum of all of this is 19 million. So, effectively, rather than a $14 million increase in operating cost, we actually experienced a $5 million decrease.
With regard to the bad debt expense, we had transaction review controls over employee trades that were circumvented, which resulted in some unsecured debits. The employees who were involved were terminated or otherwise disciplined. We've added controls over employee trades designed to prevent this type of activity.
Looking at expenses relative to the outlook, there were four items outside of our guidance. Employee comp was slightly above our range, due to the severance that I mentioned. Clearing and execution was slightly below the range, as we continue to benefit from favorable rates we've negotiated with our vendors. Professional services was below range, as we capitalized the costs related to our electronic asset management and procurement projects; and lastly, other expense was above our range, due to the additional bad debt expense I just mentioned.
Looking at the year-over-year expenses, last year's expenses, excluding advertising, were $339 million. And this year, they were $366 million. The increase was almost entirely related to annual increases in salaries, the severance that I mentioned above, and about 90 additional associates in our call center for improved service levels.
I'll now reference you to a slide we have called Dividend Funding. And at the end of September, Joe mentioned we had liquid assets at $397 million. Ameritrade has added over 125 million to liquid assets since the TD transaction was announced at the end of June. This is an historical high, as Ameritrade continues to build its cash position for its share of the $6.00 special dividend.
The purchase agreement calls for both firms to deliver their brokers with excess regulatory capital of 6%. Because liquid assets only includes 5% excess capital, then Ameritrade needs to encumber liquid assets by another 1% or 44 million. We then add to that the net of tax proceeds from the sale of our Canada business. So at close, Ameritrade will need 406 million to fund the first dollar of the $6.00 dividend. So we'd need to earn another 17 million in the December quarter. TD is obligated to also fund $1.00, with another 406 million of contributed capital. So that means the remaining $4.00 of dividend will be funded via committed borrowing of 1.6 billion. That will then get us to the total 2.4 billion we need to fund the $6.00 dividend.
So we had an excellent year of many records and we're confident that the TD merger has positioned us to continue our strong growth, with active traders, long-term investors, and registered investment advisors.
At this time, Operator, I'd like to turn the call back to you and we'll take questions.
Question-and-Answer Session
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2010 Volvo S80 3.2 4dr Sedan (3.2L 6cyl 6A)
Comparing my new 2010 S80, 3.2 to what I have driven before: Audi A6, 2.7T, Volvo XC90 3.2 and Volvo S60 T5. Let's just say when it comes to speed, it leaves much to desire. I miss that PUNCH when I floor it. The dealer warned me it wasn't as fast as what I was used to driving, but got a great deal. Dealer said car had 235 hp which is okay with me i guess. The car is elegant on the outside as it is inside. The design is signature Volvo with a slight modern flair that makes people look twice. the enlarged name and logo really make a statement too. handles well, but not impressed. comfort is unrivaled! quiet engine.
the best features on the S80 are the bluetooth, seats, leather steering wheel and the safety. bluetooth is great for hands free driving and no earpiece to worry about. the seats are a 10! the steering wheel is just elegant! the safety just gives good piece of mind.
Clunky rims. might change stock out for more sleek Volvo rims. Volvo was a little too conservative with the distribution of hp with this car. i wish it had at least 250 hp. is that too much to ask? ignition key...annoying! cant turn car on from passenger side without stepping on the brake!
I have had the car a week know and overall I'm very impressed. This being my 4th S80, they keep getting a bit better each year. Bought basically due to the comfort, reliability and safety. I have never had a breakdown in a Volvo - hope it continues. With the end of year incentives out there, this car is hard to beat for the value.
It has everything I want without the complexity that some cars present. The 3.2 runs on reg gas and seats are perfect, not too plush and not overly firm. Best of all once you set the customization options up, everything is basically automatic.
Heated steering wheel and maybe heated windshield wipers if this could be done. I like the older style of wood time better, not sure why 2 finishes are needed.
Having owned an 04 V-70 with a n/a 2.4 5 cylinder we were well acquainted with the Volvo brand, I also own an 05 V-70. We have the PZEV 220 hp engine and it is plenty peppy, decent on fuel on the highway, not so much around town 19 mpg. The overall build quality is superb,the standard equipment is mind boggling, leather is standard, not so with mb/audi/bmw! Hd radio and bluetooth! Oh and did I mention the seats, the most comfortable seats period! It is a fun car to drive, Volvo tweaked the shift points and our 3.2 pzev flies, great ride not as punishing as our 04 V-70. I looked and drove audi/mb/bmw a-6/e class/5 series. It is true they have more potent engines but for thousands less!JHW
Interior/sound system, sound of engine, ride. Overall quality. Zero problems!
MPG in the city
Considered the usual European competition before jumping into this one W/BlueTooth, BLIS and Xenons . After checking some Volvo Forums & Tire Rack.com I decided to ditch the OEM tires and go with Bridgestone Pole Position tires after 3k Miles. It made a world of difference in the ride and even though I have 17" wheels most people who have the 18" wheels complain their rides "harder" then mine !!! Love the ride now! Couldn't pry me out of it if you wanted me too. This is my second leased car, might have to keep it when the lease is up.
Blinds Spot Information system[BLIS] especially when you have those headrests up in the back or 4 people in the car. 3 Stage Heated Front & Rear seats glad to adjust the temperature on the buns. Bluetooth & Sirius Radio w/traffic reports. Xenon head lights. Car will run on 89-91 Octane Fuel.
OEM Tires, No High beam with Xenons, Wind-shield wiper stalk should be incorporated into turn signal stalk confusing to have 1 on each side of steering wheel. Vehicle should only have one stalk on left side of wheel.
I have about 4500 on my black Volvo S80. This is my second Volvo, I traded in a 03 S60 on this one. So far so good. Much improved over the S60 in terms of build quality, and materials. Only complaints are the engine noise at cruising speeds, seems intrusive for a car that costs this much. I drove Audi, Volkswagen, and Lexus and and went with Volvo for the price. I am happy with the choice.
Love the Scandinavian design, both inside and outside. Great stereo. Very comfortable seats.
Engine noise at cruise. Transmission gets into high gears to fast which makes the car feel bogged down at lower speeds. But then again I prefer manual trans over auto. Wish I was getting a few more MPG, only seeing 23 on the highway cruising at 70 mph
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I have multiple blogsites. I would like a post from each new site in the multisite network to be copied as a post on another site.
Is there an easy solution to my request?
The Support Forums will be in read-only mode for a scheduled maintenance window on 01 September 2016 14:00 UTC - 20:00 UTC. More information.
I have multiple blogsites. I would like a post from each new site in the multisite network to be copied as a post on another site.
Is there an easy solution to my request?
Do you meant all new posts on all sites are collected on one 'collection' site?
There will be an "About Us" post on each site at one domain, which I wish shown as individual posts as soon as created on another account.
Example: site01.domain01.com/about/, site02.domain01.com/about/, site03.domain01.com/about/, and site04.domain01.com/about/ all wind up as posts on domain02.com as domain02.com/about01/, domain02.com/about02/, domain02.com/about03/, and domain02.com/about04/ (or some other naming convention, but still on a second domain).
Huh... That's a little odd.
This one is easy, just map domains:
site01.domain01.com/about/ == domain02.com/about01/
This gets odd:
site02.domain01.com/about/ == domain02.com/about02/
I'm trying to visualize that, as it would have multiple sites with their pages on one domain, and that's not really how it works.
You could do this:
Map site1.domain01.com to domain02.com
Then use a multinetwork plugin to make subsites off site1, so you get domain02.com/site02 and domain02.com/site03
I'm thinking that I may be able to use the WPMU Dev Tag Feed plugin (which requires the Post Indexer plugin) and create a feed for the posts, based on a tag coded with each "About Us" post on Site01. Then, on Site02, I use their Autoblog plugin to read the feed and create the posts from the feed.
Just took advantage of their annual Black Friday special and got them to test. Not sure yet, but I think it will work.
This topic has been closed to new replies.


text: [ { "catentry_id" : "381357", "Attributes" : { "Colour_Red":"1" }, "ItemImage" : "/wcsstore/StorefrontAssetStore/images/NoImageIcon.jpg", "ItemImage467" : "/wcsstore/StorefrontAssetStore/images/NoImageIcon.jpg", "ItemThumbnailImage" : "/wcsstore/StorefrontAssetStore/images/NoImageIcon.jpg" } ] Moroccan Red Uplighter Floor Lamp £79.99 Qty (1) Qty (2) Qty (3) Qty (4) Qty (5) Qty (6) Qty (7) Qty (8) Qty (9) Qty (10) Qty (11) Qty (12) Qty (13) Qty (14) Qty (15) Qty (16) Qty (17) Qty (18) Qty (19) Qty (20) Add to basket Item Added to Basket Go to Secure Checkout Share Moroccan Red Uplighter Floor Lamp Moroccan Red Uplighter Floor Lamp is rated 4.291666666666667 out of 5 by 24. Rated 5 out of 5 by Olsnan11 from Red floor standard uplighter lamp I debated buying the uplighter for my dining room. So pleased I did. I am considering placing it in my living room instead. Date published: 2016-05-11 Rated 4 out of 5 by Sue D from Great feature Could be a 3 or 4 inches taller then you would get the full impact. Date published: 2016-04-10 Rated 5 out of 5 by freeloader33 from Really red A beautiful lamp at a bargain price.Dont hesitate to buy folks Date published: 2016-03-20 Rated 5 out of 5 by Sue from Beautiful Bought this and I am so happy easy to assemble looks amazing against the wall (see pic) thought at the time a lot of money but it's worth every penny you won't b disappointed Date published: 2016-03-04 Rated 1 out of 5 by Dissatisfied customer from Very disappointed I tried to reserve this lamp in Milton Keynes store only to be told they had none in stock. After stating that it said it was available online the MK store said their stock was not always accurate. I got my brother to drive to dunelm in Dunstable. When he bought the lamp back to MK and I put it together the lamp was crooked. The lampshade fittings were crooked so the lamp had to go back. Very poor quality. I expected a lot more for my money. Date published: 2016-01-30 Moroccan Red Uplighter Floor Lamp Reviews - page 2 2016-08-29T06:54CST bvseo_cps, prod_bvrr, vn_cps_3.3.0 cp_1, bvpage1 co_hasreviews, tv_1, tr_23 loc_en_GB, sid_1000022273, PRD, sort_mostRecent clientName_dunelm


text:
Skip to comments.Mathematics of Eternity Prove The Universe Must Have Had A Beginning
Posted on 04/26/2012 3:13:30 PM PDT by SeekAndFind
Cosmologists use the mathematical properties of eternity to show that although universe may last forever, it must have had a beginning
kfc 04/24/2012
The Big Bang has become part of popular culture since the phrase was coined by the maverick physicist Fred Hoyle in the 1940s. That's hardly surprising for an event that represents the ultimate birth of everything.
However, Hoyle much preferred a different model of the cosmos: a steady state universe with no beginning or end, that stretches infinitely into the past and the future. That idea never really took off.
In recent years, however, cosmologists have begun to study a number of new ideas that have similar properties. Curiously, these ideas are not necessarily at odds with the notion of a Big Bang.
For instance, one idea is that the universe is cyclical with big bangs followed by big crunches followed by big bangs in an infinite cycle.
Another is the notion of eternal inflation in which different parts of the universe expand and contract at different rates. These regions can be thought of as different universes in a giant multiverse.
So although we seem to live in an inflating cosmos, other universes may be very different. And while our universe may look as if it has a beginning, the multiverse need not have a beginning.
Then there is the idea of an emergent universe which exists as a kind of seed for eternity and then suddenly expands.
So these modern cosmologies suggest that the observational evidence of an expanding universe is consistent with a cosmos with no beginning or end. That may be set to change.
Today, Audrey Mithani and Alexander Vilenkin at Tufts University in Massachusetts say that these models are mathematically incompatible with an eternal past. Indeed, their analysis suggests that these three models of the universe must have had a beginning too.
Their argument focuses on the mathematical properties of eternity--a universe with no beginning and no end. Such a universe must contain trajectories that stretch infinitely into the past.
However, Mithani and Vilenkin point to a proof dating from 2003 that these kind of past trajectories cannot be infinite if they are part of a universe that expands in a specific way.
They go on to show that cyclical universes and universes of eternal inflation both expand in this way. So they cannot be eternal in the past and must therefore have had a beginning. "Although inflation may be eternal in the future, it cannot be extended indefinitely to the past," they say.
They treat the emergent model of the universe differently, showing that although it may seem stable from a classical point of view, it is unstable from a quantum mechanical point of view. "A simple emergent universe model...cannot escape quantum collapse," they say.
The conclusion is inescapable. "None of these scenarios can actually be past-eternal," say Mithani and Vilenkin.
Since the observational evidence is that our universe is expanding, then it must also have been born in the past. A profound conclusion (albeit the same one that lead to the idea of the big bang in the first place).
Ref: arxiv.org/abs/1204.4658: Did The Universe Have A Beginning?
You confidently state that you can't see much of the matter that exists.
(dark matter).
take a look at this — what is your opinion?
If dark matter (at a very high rate in our universe, somewhere near 70%) does not in fact exist, then most mathematical models of universe formation collapse.
Big Bang ping!
I did not claim the north sky was empty. I said, there is an empty space or area in the north sky.
I particular, I believe it's behind/around Polaris. If we look around any object in space, and we continue to "zoom in" by increasing our resolution power of our device (currently hubble is about as good a visible light gets) we continue to see more structure.
The above is an image of the Polaris group (from hubble), that has no visible structure in the background. Note: this does not prove anything unless we continue to improve our resolution and can continue to see structure everywhere else other than in/around Polaris.
Now this is an great point of discussion — is there or is there not a uniform (loose definition here) distribution of mass in the universe? i.e. are there a empty vector through our universe?
You believe what is behind Polaris?
What happens when gravity overcomes the force of the big bang and the universe begins to collapse? Will it collapse until it becomes so small that it explodes again?
RE: ...and its parents were???.....
The cause does not necessarily have to be plural.
You believe what is behind Polaris?
did not claim the north sky was empty. I said, there is an empty space or area in the north sky.
BTW, there are empty spaces all over our solar system, our home galaxy, interstellar space, the universe etc., which there are no visible planets, stars, galaxies, etc.
Outside of gravitational forces, there are even empty spaces between binary star systems.
How you picked out the Polaris region to imply or suggest something is hiding behind it, or that area of the universe seems empty, I absolutely have no idea.
how does an empty space "hide"? you are making straw arguments here.
You believe what is behind Polaris?
did not claim the north sky was empty. I said, there is an empty space or area in the north sky.
BTW, there are empty spaces all over our solar system, our home galaxy, interstellar space, the universe etc., which there are no visible planets, stars, galaxies, etc.
Outside of gravitational forces, there are even empty spaces between binary star systems.
How you picked out the Polaris region to imply or suggest something is hiding OR is behind it, or that area of the universe seems empty, I absolutely have no idea.
how does an empty space hide?
Uh, one more time. You believe what is behind Polaris?
Why are you afraid to clarify your own comments?
It's a simple concept. Is there a "navel" of the universe?
If there were, could we see it?
There are a lot of theoretical physics/math surrounding this point — i.e. even if there were a "center" of the universe, which direction should we look for it?
In addition, should not space seem to be expanding in all directions.
There are conflicting observations, but it's not clear we observe the universe moving from us in all directions (which theoretically an expanding universe from a big bang should produce).
The speculation about a empty area (e.g. a navel), could only be proven if we had sufficient resolution power to observe a vacated space, and matter going in different vectors around it.
What it seems we can observe today is the following
1) Not all parts of the universe are going away from us at the same speed
2) There is a *lot* of missing matter in the universe (dark matter) we can't see (based on making the numbers work for the Big Bang Expansion).
Gerald L. Schroeder is an MIT Astrophysicist who has written 5-6 books on the harmony of science/scripture. I have read a few of his books. Here's one.
He ranges from theoretical math to information theory, chaos theory, etc. a great read.
One last time, what do you believe what is behind Polaris?
That's what Kant said...It's called FAITH.
If there *is* one place in the universe I would look (if I could) for a "origin 0,0,0), it would be past the polaris system
This actually was the predominant theory from Aristotle's time until the 1950's, except among those of us who believe Genesis. Only about 2500 years or so.
One last time, what do you believe is behind Polaris?
I'll let you can get back to your meditation now.
I guess you are the sole person in the universe then who can prove a negative.
What do you believe is behind/around Polaris?
There is no need to go any further here. See ya!
E = MC squared
Seeing as how God is all powerful [E] then He could simply remove His power from the Universe and poof all matter [M] disappears too. Furthermore His Word says he'll fold up creation like a scroll and then replace them with a new Heaven and a new Earth.
When Adam and Eve sinned death and destruction entered into all of God's creation. But He promises in Revelation 21 or 22 iirc to reverse the curse then a.) restore this Earth and Universe as He intended for 1000 years and b.) create a new Heaven and Earth after the 1000 years.
I believe that before sin, Gods creation was perfect.
I freely admit it is mainly conjecture what a perfect world would look like, but didnt God say he gave them the plants and fruit of the trees for food?
Im an old school COBOL programmer so by my reckoning it is easy to see that it would require a far superior intelligence to write [and then after the fall re-write] the DNA that varies from approx one half-billion lines of quad-code [a, c, t, & g] for bacteria upto approx 50 billion for some of the more exotic and often times extinct DNA code found [i.e. the Marbled Lungfish, and the Paris Japonica with the largest known genome]. Incidentally, the larger the genome the more they are prone to extinction so it is good that mankind only has approx 3 billion LOC. But it is also very interesting the man made in Gods image is still considered to be the highest, and most complex life form which must be attributed mainly to intrinsic qualities not found in the physical genome.
Did you know mans brain has an estimated 6 peta byte capacity [mega, giga, tera, then peta] and our brain [mainframe] and nervous system/spinal column [network] is over a million times as powerful as modern day personal computers?
In my own imaginations none of the present plants nor animals are the same as they were in Paradise. None of them needed a digestive tract that expelled waste b/c all food was 100% nutritious. So no carnivores [no sharp teeth nor claws] b/c none were meat-eaters. No plants were poisonous nor bacteria, or virii deadly. The whole creation was cursed by sin with death and destruction.
In the millennial reign of Christ, Revelation indicates the original order will be restored, the lamb will lie down with the lion, and even a child will place his hand in a nest of adders and not be harmed.
Furthermore, I believe the Noahic Flood brought forth the first rain, along with the bursting of the fountains of the great deep, and the tearing open of the upper atmosphere - Gen 7:11 and subsequently all manner of natural disasters, many local floods and the ice-ages. I also believe Dr. Brown has found much astrological, geological and fossil evidence in support of this in addition to what the Bible only hints.
Lastly, I would not doubt that mankind got too smart for his own good and is primarily responsible for all manner of natural disasters ~ in Noahs day he most likely drilled approx 10 miles deep into Earths crust [probably mining for precious metals] and caused the fountains of the great deep to explode open [1 pint of supercritical water = 1 stick of dynamite], resulting in 40 days of torrential rain, tearing a rift in the crust and up through the upper atmosphere mostly north/south and circumventing the globe, caused the breaking up of the continents and tech-tonic plates, vulcanism, earthquakes, tornadoes, hurricanes, typhoons, major uplifts of mountain ranges and even deeper crevasses in the oceans [crevasses that just happen to parallel all the major mountain ranges. This is a brief description of the hydroplate theory ~ for more see section II of:
Center for Scientific Creation - In the Beginning: Compelling Evidence for Creation and the Flood
Is it really any wonder that the Bible records life spans for man of almost 1000 years pre-flood and only 120 years post-flood?
103 posted on Tuesday, May 01, 2012 1:41:30 PM by BrandtMichaels
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Prom 76: Last Night of the Proms 2012
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Prom 76: Last Night of the Proms 2012: Nicola Benedetti, Joseph Calleja, BBC Symphony Chorus, BBC Symphony Orchestra
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Suk: Towards a New Life
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....I had to share this, it is so weird. I turn 30 in July (yes, that's weird, but not what I'm sharing), but this is even stranger in relation to my age. I went to the doctor on Tuesday, and a grew an inch this past year! This is the SECOND year in a row I've grown at inch. I've been 5'5 since 9th grade. Every year, every doctor measured me there. Last year I went, they measured me, and I was 5'6. Sure enough, I've been 5'6 by everyone else's measuring system now too, until yesterday....I was 5'7! Maybe it's all the spinach (I have an addiction)....but really....I'm completely fine with 5'7, but how tall will I be by the time I'm 40 at this rate? So, let me know if you want me to reach anything on the high shelf b/c I guess I'm gonna be that tall friend who can reach 'stuff' from now on...;o)
Thursday, May 21, 2009
Growth Spurt...
Posted by Christy Robbins at 6:56 AM
1 comments:
- Charles and Heidi said...
LeeAnne has grown the same 2 inches!! She is also 5'7" now. My sister Johanna who is 60 has also grown in the last year! Very weird!
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Home » Blogs » Richard Gleaves »
San Diego Public Art
Written by | Richard Gleaves | 2:44 a.m., Jan 10, 2011
Pacific Beach Sign
Artist: unknown
For a utilitarian fixture this sign is doing a lot.
The river rock base references the nearby Rose Creek; the sheet metal and flat color allude to Pop illustration while asserting the fully sculptural form of a breaking wave; and finally the Seuss font, which cements the illustration esthetic while saluting the Good Doctor (who lived on nearby Mount Soledad).
The pair of reddish forms hovering over the "P" serve two functions. They reinforce the visual reading of a breaking wave, while slyly asserting community identity through some insider surf knowledge: these are the swim-finned feet of a bodysurfer, fully engaged in the maneuver known as "going over the falls".
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Monday, September 26, 2011
What Is Truth?
In the beginning was the Word,
and the Word was with God,
and the Word was God.
He was in the beginning with God.
All things came into being through Him,
and apart from Him
nothing came into being that has come into being.
There was the true Light which, coming into the world, enlightens every man.
He was in the world, and the world was made through Him, and the world did not know Him.
He came to His own, and those who were His own did not receive Him.
But as many as received Him, to them He gave the right to become children of God,
even to those who believe in His name, who were born, not of blood
nor of the will of the flesh nor of the will of man, but of God.
And the Word became flesh, and dwelt among us, and we saw His glory,
glory as of the only begotten from the Father, full of grace and truth. John 1:1-14
So Jesus was saying to those Jews who had believed Him, "If you continue in My word,
then you are truly disciples of Mine; and you will know the truth, and the truth will make you free." John 8:31-32.
Jesus said to him, "I am the way, and the truth, and the life;
no one comes to the Father but through Me. John 14:6.
Sanctify them in the truth; Your word is truth. John 17:17
Jesus said, "My kingdom is not of this world. If it were, my servants would fight to prevent my arrest by the Jews. But now my kingdom is from another place." "You are a king, then!" said Pilate. .Jesus answered, "You are right in saying I am a king. In fact, for this reason I was born, and for this I came into the world, to testify to the truth. Everyone on the side of truth listens to me." Pilate asked. "What is truth?" John 18:36-38
If we could have listened in on the above conversation between Pilate and Jesus,
I am convinced that there would have been a sarcastic tone in Pilate's question:
"What is truth?"
Do you believe Jesus is the truth and that we can stand on His Words?
What are the fundamental truths in the Bible that are the foundation of your beliefs?
Can we believe what Jesus says, or not?
Many who profess to be Christians do not take Jesus words and the Bible literally. They would like to view the Bible in the same way that they view the US Constitution … information to be considered. If they agree with it, fine. If not, they will adjust the truth to fit in with whatever makes sense to them … and the next thing you know, a million babies are being aborted in America every year.
Well as wrong as this line of thinking is, in regards to our constitution, it is many times worse when we talk about using this type of thinking when reading the Bible. Although I believe the constitution was not intended to be amended to meet the changing whims of society; it was created by men and is subject to amendments.
The Bible on the other hand, was inspired by God and is presented as the never-changing absolute truth of the all-knowing, ever-present, all-powerful creator of the universe, who never lies and is never wrong. The Word of God is infallible and inerrant. This is a core belief that sets Christianity apart from all other religions. The Bible is not the teachings of good men but rather God speaking through men by the leading of the Holy Spirit. Without this belief, that God's Word is truth, our belief system loses its power, and our faith would be destroyed.
Additionally, any other belief, religion, philosophy or creed would be equally valid if there were no Bible inspired by the Creator. With no biblical basis of truth, the Bible would be reduced to just so many words, or another self help book. The truth would be reduced to the wisdom of men and each of us would be the god of his own life, discerning good and evil.
When carried to this end, Christianity is reduced to the same level as atheistic thought. I think we can all see where this would end up … total chaos. But beyond the foolishness of this chaos, the idea ignores the fact that there is eternal truth, principles which are self evident and absolutely true, whether we believe them or not. This was clear to me long before I became a Christian.
What has led us to this confusion? Some time ago, Josh McDowell said that most evangelical Christian youth in the United States no longer believe in absolute truth. "In 1991, 52% of our born again church kids said there is no absolute truth. In 1994, 62%. In 1999, 78%, and in 2002, 91 percent of our born again church kids said there is no absolute truth. Can you believe how horrible this is? The primary cause of this problem is the influence of secular education and secular media since the 1960's." It is amazing to see how much impact that 40 hours a week for 16 years will have on a young person's belief system. Can you imagine where we would be without Biblical teaching?
The same broken down educational system that produced a politically correct attitude in our Attorney General Eric Holder, that won't allow him to say that Islamic terrorist bombers might be Islamic terrorists, has been brainwashing our children with babble for over 50 years: "There is no right or wrong. There are no moral absolutes. Everything is relative. Everyone's beliefs are equally valid. All paths lead to god. Each person needs to decide what his truth is. The end justifies the means. Everything is okay in moderation. There is no god." … and many other false beliefs. The idea of separation of church and state which was promoted by mostly socialists and atheists has resulted in a values neutral public education system where naturalism and atheistic views are free to rule the day.
But that is not all. The church has become weak. The seeker friendly philosophy has opened the door to many new Christians, but at what cost? Watered down Christianity? At our local mega church, the teaching and the music is no longer religious to the point that I can hardly tell if I am in a church anymore. The number one church in America is led by a motivational speaker, Joel Osteen, who says "teaching the word is not his gift." I must admit, I enjoy his messages. They are uplifting and encouraging, but I also like a Big Mac and fries.
And recently Rick Warren, the number one pastor in America said, "the future of the world is religious pluralism, and we must learn to get along … "we need to encourage those (Hinduism, Buddhism, Islam) who are about the common good." I must say he made some very good points about working together to help the sick and needy but the church can do that without pandering to non-Christian religions.
And then he said; "let me give you my definition of a fundamentalist. Fundamentalism actually started out as a good term among Christians in the early 20th century. It was a word which meant a Christian believer dedicated to the fundamentals of the Bible: Jesus is the way to heaven; the Bible is the word of God, things like that. The word has been hijacked now to basically mean a radical or a terrorist or something like that. Here is my definition of a fundamentalist: A fundamentalist is anybody who stopped listening. That's a fundamentalist"
He then goes on to explain that there are Islamic, Christian, Jewish, Secular, and atheist fundamentalists. That is a total insult to those of us who are still committed to standing on the fundamental truths of the Bible.
Warren may be doing great things with the millions a year he makes from his book, and he has ideas that are filled with church growth success principles, but I think he bumped his head on this one.
It is not a wonder that 90% of Christians don't believe in the fundamentals of the Christian faith, with statements like that from our church leaders. It is now clear why he did not ask Obama the tough questions on abortion, when he had the chance. He is more focused on the common good, than he is concerned with confronting evil.
Contrary to this false teaching, millions of Christian fundamentalists are still listening to the only one that matters: Jesus Christ. We are still standing on the fundamentals of the Christian faith. We have no desire to pretend that Hinduism, Buddhism, Islam and other false religions are doing anything other than leading people away from God.
Political correctness has no place in committed Biblical Christianity. If me ... not listening to false religions, crooked politicians, and the false teachings of the world is his definition of a Christian who stopped listening: then I am guilty and proud of it … I am a Christian Fundamentalist. But the truth is not that we actually stopped listening; but rather we strongly oppose the message. I apologize if I sound angry, but this should be just cause for all believers to become angry. I'm just surprised he didn't slam the tea party movement as well.
So, that leaves us with these questions: "What is truth?" Do you believe Jesus is the truth, and that we can stand on His Words? What are the fundamental truths in the Bible that are the foundation of your beliefs? Can we believe what Jesus says, or not?
As far as believing Christians being labeled as radicals by the world, and grouped with the other undesirables that the sincere pastor listed above, it is of little concern.
Jesus warned us: "If the world hates you, you know that it has hated Me before it hated you. "If you were of the world, the world would love its own; but because you are not of the world, but I chose you out of the world, because of this the world hates you. "Remember the word that I said to you, 'A slave is not greater than his master.' If they persecuted Me, they will also persecute you; if they kept My word, they will keep yours also. "But all these things they will do to you for My name's sake, because they do not know the One who sent Me. "If I had not come and spoken to them, they would not have sin, but now they have no excuse for their sin. "He who hates Me hates My Father also John 15:18-23
Nicodemus said to them, "Our Law does not judge a man unless it first hears from him and knows what he is doing, does it?" They answered him, "You are not also from Galilee, are you?
My answer? ... Yes, and I'm proud of it!
God Bless you my Friends, Bob
In order to better expand upon the topic of truth, This post has been reprinted from Paradox Principles 5/15/2010
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- Report: #756870
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Complaint Review: Industry Modeling Agency
Industry Modeling Agency115 River Road, Suite #9 Edgewater, New Jersey United States of America
Industry Modeling Agency I was approached by a young lady in Menlo Park Mall in Edison, NJ and was asked if my daughter ever modeled before. I told her no and she gave me her phone # for a company she worked for who would be Edgewater, New Jersey
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Definition of Vulpecula in English:
1An inconspicuous northern constellation (the Fox), lying in the Milky Way between Cygnus and Aquila.
1.1 (as genitive Vulpeculaeˌvəlˈpekyəlē) Used with a preceding letter or numeral to designate a star in this constellation: the star Alpha Vulpeculae
Latin, diminutive of vulpes 'fox'.
For editors and proofreaders
Syllabification: Vul·pec·u·la
Definition of Vulpecula in:
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text:
the sound of an explosion
distant explosion did you hear that boom a suicide bomber died
door alphapyr0h4x0r 8 maart 2010
to have great sex for hours in many positions!
guy 1: Hey dawg did you make the BOOM??
guy 2: Hell yeah shit was amazing!!!
guy 2: Hell yeah shit was amazing!!!
door xxpartyBoyxx 30 oktober 2009
big, putruding, humoungus,
omgg look at that girls forehead.
door ENGLISH SEC 5 17 april 2009
South African slang for Ganja, Herb, Weed.. The word originated from Afrikaans (local language - close to Dutch) for the Tree.
All I feel like doing is getting goofed up on some boom and playing Xbox
door Mole85 3 september 2010
What you say when someone says something that sounds perverted. Kinda like "that's what she said"
person 1: Gosh that thing is big
person 2: boom
person 2: boom
door SEXY FUCKING BEAST 6 juli 2009
sometimes said boom ting(chavs version) meaning amazing.
josh: omfg dude your hair is boom D:
skye: noo way yours is the freakin sex (:
skye: noo way yours is the freakin sex (:
door ZöeeVuitton. 28 september 2009
What do bombs do? they go "boom"
So hella bomb girls are boom...
So hella bomb girls are boom...
that girl is hella boom!
door Slouie 29 juli 2010