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blow them away, miss ? Raise dividend ? Buy back shares ? Any thoughts ?
Yes we will beat, I believe. I am also holding until years end, or maybe longer, and think $16 a share by 2013 if they raise the dividend $16 for sure.
.40 vs .35 didn't see what the Rev's were?
Holding a lot of fitb and ftb-pa as well as puts and believe fitb will be fifteen by years end. They will meet or exceed .35 and will move to increase div. for next Q. Plan on it.
Wow $15 by year-end, those are some huge expectations. It was $15 two freaking years ago. The fact you are willing to hang on to this crap-hole with no real price appreciation proves your imbecility.
I think we'll beat-seems to be the trend with other financials. Unfortunately FITB is at the mercy of the sector as a whole. So even if it beats nicely, underlying sector may keep it down. I agree that $15 is a reachable year-end target.
We'll see tomorrow. History says we'll make it....


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Forum > Classic Mustang Technical forum
export brace
(1/4) > >>
im having trouble fitting in a new export brace,when one side lins up,the other side doesn't iv'e jacked the car up under the front cross member, hopeing the shock towers will sag outwards,but now joy,any advice to solve this problem?
cheers chris u.k
Let it sag for about a week, then try it again. Mine went in just fine, but I hear war stories. Some have taken 2X4s and a bottle jack to get it to fit.
Hi again,
I had the car on stands for about 5 days now,but still 2 holes dont line up, could somebody ss
somebody send me a phote where the jack should be placed.
thanks for all your help. chris uk
The jack should be placed in the middle of the two pieces of wood which are hitting the top of the shock towers. The idea is to get the shock towers to spread outwards creating a wider clearance for the brace.
I can't put a monti carlo brace on mine either because when the I am excelerating the engine tends to torque up and to the right and my blower shaft goes right up against it hard. It doesn't have that much room to begin with. Maybe 1/2". I was think about trying to see if I can modify the monti carlo bar by putting an upward bend in the bar right above the blower shaft to give it room to do it's thing when I acclerate.
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i need leads for my business
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Starting Off on the Right Foot Mini Cake
Additional Information
Step 1
Position wide end of egg cake as front of bootie. Ice smooth.
Step 2
Build up top area of bootie, overpiping three rows of tip 363 lines.
Step 3
Overpipe tip 363 zigzag on top of three rows.
Step 4
Cover bootie with tip 18 stars, beginning at bottom and working upward.
Step 5
Build up with tip 18 stars as needed to shape bootie. Pipe tip 4 strings and bows.
Step 6
Add tip 18 star pom-poms. Attach icing decoration with dots of buttercream.
Rose Icing Color
Royal Blue Icing Color
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text: Harboring Hope For betrayed spouses. Regardless of whether the unfaithful spouse is supportive, unsupportive, or gone, we want you to feel hope again. Whole again. Home again. Please note: Currently classes are only offered for women. If you are a betrayed man and interested in the course, please send us an email at firstname.lastname@example.com. What is Harboring Hope? Harboring Hope is specifically designed for betrayed spouses by professional counselors who are also betrayed spouses. We know the pain. We have been there. We want you to know that you are not alone, you are not crazy, and you are not destined to grieve forever. Harboring Hope can help you discover what you need to heal and help you find hope in your circumstance. We want to rebuild your confidence and give you room to thrive. "The pain of infidelity is overwhelming and all-consuming. Harboring Hope is a gift. For me, Harboring Hope is people who truly understand my pain and what I'm living through. Without them, it feels as if I would have no hope." - A, Armenia View Payment Options What resources will I have? This faith-based course joins you with other betrayed spouses in a private small group of women. The group communicates via a weekly telephone conference call as well as an online forum that is accessible 24/7. Your small group is a safe, intimate place where you receive support from others while on your path to recovery. Harboring Hope includes: 12 week workbook Streamed lecture videos Weekly small group conference call Monthly Q&A Broadcast with Harboring Hope authors Leslie Hardie and John Haney Small group forum for support throughout the week. Complimentary six month Recovery Library membership "Harboring Hope gave me the structure I needed to be able to work through the darkest time in my life so far." -R, Texas How does the healing process look in my day-to-day life? Each week, you'll start by reading the workbook chapter and watching the lecture video of Leslie and John. As you read the chapter, you will complete homework exercises, some of which you will share during your small group call. In addition, you'll be able to submit questions to Leslie Hardie, LCSW and John Haney, PhD, LPC, the authors of Harboring Hope. Each month, we record their answers during a Q&A session and post them for you to listen to online. You'll also gain access to a library of past Harboring Hope Q&A sessions. Harboring Hope also includes 6 months of free access to the Recovery Library, a $180 value containing hundreds of articles, videos, and Q&A recordings by Affair Recovery's experts. "Harboring Hope provided me the opportunity to receive the excellent support and resources I desperately needed to heal. It literally provided me a way out of the isolation that the despair of infidelity can bring and into the fellowship of hope found through shared experiences of recovery." – L, New Mexico What have participants said about Harboring Hope? "My Harboring Hope time was just that MY time. My time to heal. My time to receive encouragement and hope. It was exactly what I needed to begin navigating through this nightmare to a hopeful tomorrow." –Debbie, Kansas "When I joined HH, I thought I was the only person experiencing the pain I was going through. Then I was connected with 5 other guys from Alaska to Austin. All of a sudden, I heard my story through their mouths. The same hurt, anger and frustrations were all expressed by these men. I'm so thankful for not only Harboring Hope, but for the other men that were able to work with me through our betrayal. I wasn't alone in my pain, these men were here to support me and mourn with me. Thanks for bringing hope back into my life." -Jonathan, Arkansas "Harboring Hope helped facilitate healing and personal growth during the most painful time in my life. I have gone from numbness, deep sorrow, and sadness to living with hope and confidence." –M, Texas Please note: Services offered by Affair Recovery are not therapy or counseling. Affair Recovery services are educational. Payment options for Harboring Hope include: 1 payment of $495 3 monthly payments of $173 Scholarships are available. Apply Here Payment Option: Harboring Hope (3 payments of $173)Harboring Hope (1 payment of $495)


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Grants and other funding activities
TDR funds specific research projects in diseases of poverty, which cover infectious diseases and the culture and environment that contribute to these problems. We also support the development of individuals and institutions in the countries where these diseases are prevalent.
Below are the current opportunities.
Calls for grant applications or/and letters of interest
Postgraduate training grants now available
Seven universities provide Masters and PhD level degrees that focus on implementation research. Applications need to be submitted to the universities.
Consultancy to Design and Develop Online Information Resource of Product Profile Characteristics for Diseases Affecting Developing Countries
Deadline for submission of full proposals: 10 September 2016 23:59 Central European Summer Time
This Request for Proposals is to design and develop an online information resource on health product profiles for diagnostics, vaccines and treatments that are needed for diseases affecting low- and middle-income countries (LMICs). The database should bring together information on relevant health product profiles, in a structured and standardized manner, for which there is no or limited incentive for research and development. This database, or so called product profile compendium, will be housed in the WHO Global Observatory on Health Research and Development (R&D).
Collaborative research on health and the environment in the South East Asian and Western Pacific Regions: Innovative socioecological strategies for the prevention and control of vector-borne diseases
Submission deadline: 15 October 2016, 17:00 CET
Only applications from eligible countries in the WHO South East Asian and Western Pacific Regions can apply
This is an invitation to submit proposals to undertake transdisciplinary research on health and environment leading to the development of community-participatory strategies for the prevention and control of vector-borne diseases (VBD). The proposed research project should utilize an ecosystem-based approach and explore how innovative VBD control tools and strategies can be used more effectively among vulnerable populations. The aim is to strengthen and improve the target populations' health outcomes in the face of environmental changes (including climate change) within the complex socioecological system.
HRP/TDR/PAHO Joint Small Grants Programme for research on the Zika virus outbreak in the Americas
Submission deadline: 15 September 2016
Only applicants from eligible countries in the WHO Americas region can apply The research proposals supported by this Call should focus on implementation/operational research, applying adequate methods within the range of quantitative and qualitative methods. The specific target priority areas for this call are listed below. A key component of each proposal should be individual and institutional research capacity strengthening.
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Research collaborations to advance social innovation in health in low- and middle- income countries, in partnership with the Social Innovation in Health Initiative (SIHI)
Submission deadline: 30 September 2016
Universities or research institutes working on or having a strong interest in engaging in social innovation to enhance health-care delivery are invited to submit collaborative proposals where two or more institutions are forming an international consortium. This call, issued by the Special Programme for Research and Training in Tropical Diseases (TDR), is part of the recent engagement of TDR to advance social innovation in health.
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TDR launches International Postdoctoral Training Scheme with University of Ghana
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CRI's new website that seeks to engage, educate, and empower patients and their loved ones to learn more about cancer immunotherapy as a treatment option across numerous tumor types.
Cancer patients, donors, scientists, and other supporters all stand behind the Cancer Research Institute. Read their stories and learn about what motivates each of us to keep fighting against cancer.
By running in a marathon or hosting a bake sale, you can make a real difference for our scientists in the fight against cancer and allow them to bring newer immunotherapies to more patients.
We gratefully accept donations made in memory or in honor of a loved one. Your gift will be acknowledged to whomever you specify.
Numerous challenges can slow progress in finding new immune-based cancer treatments. We're solving some of the biggest challenges, accelerating promising new immunotherapies for patients.
Curious about the latest developments in cancer immunotherapy research? Listen in as leading scientists discuss immune-based treatments across numerous cancer types in our free "Cancer Immunotherapy and You" webinar series.
When the Cancer Research Institute was founded in 1953, we knew then that immune-based treatments would transform cancer medicine. In more than six decades since, we've made numerous groundbreaking discoveries that have given more patients new hope today.
June 24, 2013
Brian Brewer
checkpoint-inhibitor, CTLA-4, immunotherapy, ipilimumab, James Allison
ASCO, cancer, drug, experimental, lung cancer, NBC Nightly News, PD-1, T cell


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Schematics representing Chaos theory
What is Chaos theory? Chaos theory is the theory that describes systems that appear disordered, but also this theory is about finding underlying order in apparently random data. According to Wikipedia:
Chaos theory describes the behavior of certain nonlinear dynamical systems that may exhibit dynamics that are highly sensitive to initial conditions (popularly referred to as the butterfly effect). As a result of this sensitivity, the behavior of chaotic systems appears to be random.
Surpisingly, chaotic effects appear on systems that are deterministic, that means it appears on systems without random elements involved. According to another definition:
A chaotic system is one where the system's variable quantities satisfy deterministic mathematical equations (i. e., present values may be calculated from past ones), while at the same time being highly irregular, but still contained within a finite region (the "strange attractor").
Did you know that chaos can be represented using simple electronic circuits and appear on your oscilloscope' s screen? A circuit that can differentiate a voltage is able to represent the differential equations describing a chaotic system thus appear "attractors" on your oscilloscope. On the site bellow you will find some simple chaos-generating electronic circuits that will "blow your scope"!!
Schematics representing Chaos theory – [Link]


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so my son is 6 months and hes been at the 75th percentile for weight until his check up thursaday. prior to that he came down with a stomach bug his mustardy poop was a weird consistancy and smelled like rotten eggs plus he was eating like 1/3 of what he usually would so ive been pumping 2-3 times a day. hes 18.5 lbs hes a good size boy, not huge but a nice size his doc was more ticked off that i hadnt started him on solids than him being sick she said he dropped a percentile because hes burning off the milk NOT because of the stomach bug she didnt even ask about how many wet diapers he was making...so what is the difference between 75 and 70 percentile anyway?? are we talking ounces?? im sure if he had not gotten sick hed be were he needs to be. right now his stools are normal and his appetite is creeping back up to normal..then a friend was like she noticed he lost weight ...maybe if i just add a little ceareal???OMG IDK hes showing no interest in food...oooh i forgot to add hes teething like crazy!!
HELP 75 percentile to 70 percentile weight BIG DEAL??
Comments (8)
Mom to DS1 (9/07), DS2 (4/10 Hip Dysplasia Baby), and Baby (EDD 7/23/12)
I agree with PP. My twins were borth small (5lbs 3oz and 5lbs 5oz), and they've bounced between the 5th percentile and 30th ever since. They're always gaining weight, though, and following the overall growth curve on average, so my doc isn't concerned. I can't imagine much fuss over a 5-percentile change!
Mother of exclusively breastfed twins!
Siddarth Aaron and Lilavati Hana, born 4/9/2010
I wouldn't worry about it, that is not much of a drop. I remember my ODS dropping from 60th to 30th or so around 10 months and he has steadily stayed on that curve ever since.
Mommy to DS February 2007 and DD April 2010
That should totally not be a big deal - I think I would look for a more reasonable pediatrician. Babies are not machines, they fluctuate a bit!
My ped is very conservative about this kind of thing - my DD was so small and not interested in solids until like 9-10m - my ped was not concerned at all. And sure enough, around 10m she started to eat and now she eats better than almost any other 2yr old I know.
DS loves his solids, but still nurses a lot. His weight gain has slowed a bit but ped & I agree this is because he is crawling all over the place now and pulling up on stuff - he is very active and many babies his age aren't.
I wouldn't worry about it either. Our pediatrician said it's actually normal for breast fed babies to be heavier to start with (not sure for how many months) & then to suddenly seem to lag behind ff babies. He said it freaks parents out but it's completely normal. As long as he's eating well, is healthy & growing in general (in the bigger picture), I wouldn't stress about it. Shame on your doctor for freaking you out!
I agree with PP. That's not a big deal at all. I dropped from the 90th to the 75th and my ped didn't seem concerned. She let me know that usually between 6-12 months our LOs will reach their genetically predisposed weights/heights.
don't sweat it.
Married Ryan 5/26/2007
Wesley born 4/14/2010 / Baby Girl coming Feb 2016
My LO is 7 months and weighs 14 lbs and she's 26 inches. and she is on organic Formula (i stopped BFing when I got pregnant again) and she only likes to eat babyfood carrots, sweetpotatoes, prunes and pears. Everything else she just spits out and plays with. Also when I was BFing I was put on antibiotics for an infection I had that made my LO's poop smell like rotten eggs and she was less interested in food during that time too.
Jailee Moon Lechelle 4/8/10
Amie Paradise Sun 5/31/11
Desmond Miles 9/2/14
Is your baby starting to crawl? Once they start to get moving they will not gain weight so fast- and can drop in the percentile.


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American Carpet South Inc - Plymouth, CT - Phone: (860) 283-6694
New Classic Floors - Plymouth, CT - Phone: (860) 283-8610
Terryville Sew & Vac Service - Plymouth, CT - Phone: (860) 582-8127
Furniture dealers in Plymouth are the individuals whose functions include- delivery of the ordered furniture in satisfactory, damage-free condition; completeness and accuracy of product deliveries; timeliness of product deliveries; overall quality of product lines; product quality; customer service support; meeting lead time requirements for quick ship products; value of product lines; taking care of client's expectations & product margins.
Moreover, these dealers in Plymouth have a professional in-house design support team that will provide the clients with the best and most cost effective layout, not only to satisfy their present staffing demands, but also to help them plan ahead. The furniture dealers provide their clients with a low cost, high quality alternative to high priced furniture systems.
YPGG CEO Looks at Donald Trump's Environmental Views, Relays Interesting Encounter With Republican Presidential Candidate
EAST NORTHPORT, NY – At Yellow Pages Goes Green, we're as concerned about the environment as anybody… possibly more so, in fact, since the preservation and protection of the environment is why we do what we do. So, when it comes to the upcoming 2016 Presidential election, our CEO – Mr. Michael Keegan himself – is taking a very close..


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This volume is a compilation of the latest available physiologic data regarding many basic topics. The editors point out in the preface that they have been limited in their work by the failure of some of the reviewers to secure the most recent literature and by the failure of the editors to secure the cooperation of some colleagues who are engaged in war work. The volume offers a great deal of valuable information and is a most useful work of reference in the field of physiology.
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Lindsay Island
Mullaroo No 1 Turn Off 0.21km
Mullaroo Creek at Mullaroo No 1 1.05km
Mullaroo Creek at Mullaroo No 2 1.12km
Mullaroo No 3 Turn Off 1.28km
Mullaroo Creek at Mullaroo No 3 1.49km
Lindsay Island 1.64km
Mullaroo Creek at Mullaroo No 4 1.83km
Mullaroo No 4 Turn Off 1.91km
Websters Lagoon Turn Off 2.03km
The Caravan Turn Off 2.45km
The Caravan (Mullaroo Creek) 2.8km
Lindsay Bridge 3.21km
Murray-Sunset National Park Sign 3.31km
Websters Lagoon 3.75km
Mullaroo Junction Turn Off 3.77km
Mullaroo Junction 3.95km
Lindsay Island Turn Off 3.96km
Murray River at Lindsay Is 4km
Murray River Access Turn Off 4.37km
Mullaroo No 5 Turn Off 4.52km
Mullaroo Creek at Mullaroo No 5 4.66km
Stoney Crossing 5.32km
Broken Back Bridge and Lock 7 Turn Off 5.99km
Lake Walla Walla Reference Area 6.06km
Murray-Sunset National Park Boundary Sign 6.08km
Sanford Track and Lock 7 Turn Off 6.35km
Lindsay Island Information Booth 6.52km
Toupnein Creek Reference Area 6.52km
Mullaroo Mouth Turn Off 6.86km
Lake Wallawalla 6.95km
Nampoo 7.18km
Lock 7 Road Old Wooden Bridge 7.54km
Berribee 7.92km
Mullaroo Creek Barrier Bouys 8.07km
Mullaroo Mouth 8.16km
Berribee Tank Track - Old Mail Route Road 8.51km
Lock 7 - Murray River 9.33km
Berribee State Forest Boundary Sign 9.73km
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1995 Honda Civic Hatchback CX 2dr Hatchback
Bought my second manual Civic HB in the summer of 1999 with 43,000. It's now 2015, it has 221k, and it's still going. The major repair costs I've had are exhaust systems and suspension, I blame both on living in a city with terrible roads and the car being so low. It's on it's second timing belt, original clutch, and second radiator (the first rusted out around 5 or so years ago). I'm about to buy a new(er) car because this one needs a lot of repairs that will add up, but I plan on listing it as-is to see if someone will buy it and give it the love it deserves. Friends bugged me for years about getting a new car, but why give up this one before its time?
So completely basic that there's nothing to break. It's spoiled me, any other manual car feels finicky and clunky.
Lots of road noise, seats are terrible for long rides
My brother gave me his old 95 Honda and I really like this car and will be sad when it finally bites the dust. Has over 300,000 kms and the only problem is occasional over-heating, which I've narrowed down to slight cracks in the head causing coolant leaks - I think. The body rusts around the rear wheel-wells too, due to all the road salt in winter here. Cornering is fun, the manual steering enjoyable and absorbs you in the joy of piloting (apparently there is no such thing as manual steering in a car anymore - a pity). I used to ride my motorbike and this car feels closer to that than most other cars. A manual civic is a simple efficient fun-car.
Comfortable seats, lots interior room for throwing in a bicycle or plants, good all round visibility, amazing mileage, sturdy stance on the road in wind, nicely aerodynamic, and teal blue is my favourite colour.
Body rusts out too quickly.
i bought my 1995 civic in 2001 as a winter car. there was 334000 km on it then, and it was in a fender bender. There is now 445000 on it now. Fourth timing belt, same clutch. First owner put 317000 on it, sold insurance, oil change every 2 weeks. 45 miles to the gallon winter, the hotter the summer the better - it is 50 plus miles. All i have replaced is tires, exhaust, rad, doesn't burn any oil. I still change often.
plain jane no frills
make newer ones as good
I've just rolled 175K on mine & this
thing has been bulletproof. It's
still on the original clutch - can you
believe that? This thing is a fuel
sipper, I think I'm still getting
around 35MPG on the hwy. Super cheap
mode of transport, super reliable,
everything I've ever wanted in a car.
Mine doesn't even have A/C....power
nothing....guess what, nothing broken
on the car yet.
Spartan interior. No A/C.
I have just rolled 180,000 miles (290k)
on my baby and it keeps chugging
along. I've vowed to buy a new car
when this one died...I'm still
waiting. The performance hasn't
suffered with age. This car costs less
than 25 cents a km. My advice, if you
find one with 100,000 miles on it, it's
just a baby with more life to live.
This car has outlasted two of my
friends cars... a neon and a sunfire.
It's cheap on the road
It handles well ( esp. with a few
It's fun a gas stations when someone is
filling their Expedition.
Bring back the old hatchback, I'll buy
another one in a heartbeat.
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London is fast turning into the global centre for the collectible design market, with sales growing, new galleries opening and auction records tumbling. More »
Tag: Frieze Art Fair
Universal Design Studio creates venue for London's Frieze Art Fair
London-based Universal Design Studio has built an entrance pavilion and a vast temporary structure to house the Frieze Art Fair, taking place in Regent's Park this week (+ slideshow). More »
Frieze Art Fair NYC by SO-IL
The first New York Frieze Art Fair took place last weekend inside a 450 metre-long snaking white tent designed by Brooklyn architects SO-IL. More »
Frieze Art Fair Pavilions by Carmody Groarke
London architects Carmody Groarke arranged temporary timber pavilions around the trees in Regent's Park for this year's Frieze Art Fair. More »
Brodie Neill at Covent Garden Super Design
Australian designer Brodie Neill presented two new furniture pieces at Covent Garden Super Design in London last week. More »
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Images From Yesterday's Gay Weddings in New York
We sent photographer Jim Kiernan to document the happy day.By Chris Rovzar
We sent photographer Jim Kiernan to document the happy day.By Chris Rovzar
That's what the 'Times' tells us.By Chris Rovzar
And there it is.By Chris Rovzar
Glitter! Glitter! Glitter!By Noreen Malone
"I frankly don't really know how we can trust the rest of your testimony if you are reading studies these ways."By Chris Rovzar
They've spent $150,000 on mailers in seven districts.By Chris Rovzar
Be sure to clap. Hard.By Chris Rovzar
The rule change begins on Sunday.By Chris Rovzar
"Whatever, I didn't want to have a say in this anyway."By Chris Rovzar
But you may have to pick who is the "bride" and who is the "groom."By Chris Rovzar
Some thoughts on our governor, the man.By Chris Rovzar
The bar was the site of an eerily similar incident in 1967, though the opposition movement was largely overlooked.By Hadley Tomicki
And what a celebration it was.By Chris Rovzar
Wait, why?By Chris Rovzar
"When are YOU going to get married?"By Chris Rovzar
With Friday's landmark passage of a same-sex-marriage bill, Albany added to New York's long history as a center of progress on gay and lesbian rights.By Annie Ferrer and Jazmine Hughes
The tension is finally over.By Chris Rovzar
The Senate, meanwhile, is burning through bills at a fast clip.By Chris Rovzar
This could mean nothing.By Chris Rovzar
Not much progress so far today.By Chris Rovzar


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Goldman, Naked
Goldman Sachs Group Inc's GS.N market-making unit has been censured and fined $450,000 after U.S. regulators found hundreds of violations over how it processed customer trades involving short sales of stocks.
via UPDATE 2-US fines Goldman unit over short-sale violations | Reuters.
Apologize for being absent from the blog of late, have been in transit and much consumed with this ballooning Goldman business.
In an interesting side note to the much more publicized businesses involving John Paulson, Greece, and whatever else Goldman is currently getting tarred and feathered for, the bank was quietly slapped on the wrist by the SEC for violations related to naked short-selling.
I wrote about this last year. The story was that Goldman (and others) had extremely lax standards for locating the securities it lent out to short-sellers. When you lend securities to someone without locating the stock first, that makes it possible for that person to sell the stock without actually possessing it or intending to possess it. That's called naked short-selling and it's a kind of counterfeiting that pretty much everyone admits is fairly common on Wall Street, although there is wide disagreement over how harmful it is to the market.
The current story reports that the SEC fined Goldman for failing to prevent crappy locates in late 2008. They're describing the violations as a "bookkeeping error," probably because a systematic effort at profiteering via the enabling of naked short-sellers is not a simple thing to prove. To quote Reuters:
Regulators said that because of a bookkeeping error, the Goldman unit between Dec. 9, 2008, and Jan. 22, 2009, accepted about 385 orders to short stocks where it had not first borrowed or arranged to borrow the securities as collateral.
They also said the Goldman unit failed about 68 times over that period to timely close out market-making positions in stocks or notify customers about such lapses.
In a piece I wrote about naked short-selling last year I published transcripts of Goldman officials discussing their shoddy locate systems at a conference of SIFMA, the Securities Industry and Financial Markets Association:
In a conference held at the JW Marriott Desert Ridge Resort in Phoenix in May 2008… a compliance officer for Goldman Sachs named Jonathan Breckenridge talks with his colleagues about how the firm's customers use an automated program to report where they borrowed their stock from. The problem, he says, is the system allows short-sellers to enter anything they want in the text field, no matter how nonsensical – or even leave the field blank. "You can enter ABC, you can enter Go, you can enter Locate Goldman, you can enter whatever you want," he says. " Three dots – I've actually seen that."
On the list of crimes perpetrated by the big banks during the crisis period, naked short-selling probably isn't near the top. But it definitely exists and it was almost certainly a tool that contributed to the mammoth-killing of firms like Bear and Lehman Brothers. The big banks like Goldman enabled this game by closing their eyes to shoddy locates in order to make sure they kept their prime brokerage clients. They've been caught at it before and now they're being caught at it again. But you can add this to the list of offenses that the banks will get off for with a mild fine ($450,000? Are you joking) and the usual facsimile of legal consequence. From Reuters again:
Half the penalty will go to NYSE Regulation, a unit of NYSE Euronext… and the rest to the federal government. Goldman agreed to settle without admitting wrongdoing.
When was the last time there was a settlement with one of the big banks without that phrase attached? Just once I'd like to see an SEC settlement that included a transcript (plus a photo) of a bank official on his hands and knees, weeping into his tie, shouting, "I did it! You got me! I did it!" I suppose that's a little too much to ask, however…
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Fines might actually mean something or have an impact if they were more than a pebble in these companies shoes. Shouldn't the fines be on a sliding scale based on the size of offense and how many crimes were committed – rather than a flat fee? I guess a fine as a consequence isn't even relevant in the big picture of what these people have done. I have a strong feeling These people, if given a choice, would opt to give their first born away so long as no one touches their(own personal)money.
The only thing that seems to work ( or at least put a stop) to these people is sending them to jail. Unfortunately that just is not happening. Like you sated, they eventually settle – a minuscule fine or penalty paid – with out even admitting any wrong doing.
It's just another example of how companies are treated far better than people in the courts.
Here is Australia this week the health department published a 'name and shame' list of food establishments that had been fined for code breaches. Stuff like 'dead insects near food prep area', 'smoking allowed in kitchen', etc. The fines are 'up to' $500,000. But there wasn't a single fine more then $800. In once case, a cafe was caught using soy milk that had been recalled after several very public poisoning episodes. They continued to use this stuff in their coffee, despite the risk of putting someone in hospital approaching 100%.
And yet they were fined $660. I can't imagine what sort of this they would have to do to attract a fine near the half-million maximum…. possibly serving up human flesh as beef, after injecting it with HIV? God knows. But I do know that $660 means about as much to a busy cafe as $450,000 means to GS.
As for the publicity, GS in some ways actually benefits from this, because potential clients now know for sure that they will do anything for money.In response to another comment. See in context »
I feel your frustration. The bad publicity is something, but the continuing slaps on the wrists of GS employees is about as effective as saying (in a sweet tone) "no, no" to your dog when he shits on your brand new carpet.
I'm met people who will say this kind of crime is in no way the equivalent of some thug mugging you for the contents of your wallet, and technically I agree. The difference is that I think Wall Street's crimes far outweigh that kind of mugging, reaching into the bank accounts of numerous people who trusted them because so many people in charge (the SEC, Kramer and his ilk, Wall Street employees, legislators, investors who made a killing riding the naked short order lunch) said everything on the Street was hunky-dory. Those somewhat opposite of me agree with the settlement "without wrongdoing" and feel that the buyer should beware. Indeed.
Ok folks ,time for a little comic relief from all this bullshit:
From the ONION: Headline:
Nation ready to be lied to about economy again
WASHINGTON—After nearly four months of frank, honest, and open dialogue about the failing economy, a weary U.S. populace announced this week that it is once again ready to be lied to about the current state of the financial system.
Tired of hearing the grim truth about their economic future, Americans demanded that the bald-faced lies resume immediately, particularly whenever politicians feel the need to divulge another terrifying problem with Wall Street, the housing market, or any one of a hundred other ticking time bombs everyone was better off not knowing about.
In addition, citizens are requesting that the phrase, "It will only get worse before it gets better," be permanently replaced with, "Things are going great. Enjoy yourselves."
"I thought I wanted a new era of transparency and accountability, but honestly, I just can't handle it," Ohio resident Nathan Pletcher said. "All I ever hear about now is how my retirement has been pushed back 15 years and how I won't be able to afford my daughter's tuition when she grows up."
"From now on, just tell me the bullshit I want to hear," Pletcher added. "Tell me my savings are okay, everybody has a job, and we're No. 1 again. Please, just lie to my face."
The national call for decreased candor began last month, after the Department of Labor released another soul-crushing report that most Americans agreed "wasn't helping anything" and "didn't need to be so specific, at least."
The report estimated that 663,000 private and public sector jobs were lost in the month of March—a revealing statistic many people found shockingly blunt. Responding to the new information, an overwhelming majority of citizens said they believe that, during these extremely uncertain times, our leaders have a responsibility to come together, sit the American people down, and lie through their teeth about everything from misappropriations of taxpayer dollars to the severity of the credit crisis.
"I don't need to be constantly reminded that the lack of regulations on Wall Street compounded with failing institutions like AIG basically plunged the world economy into a global recession," said 32-year-old office manager Alexis Harrington. "What I want is for someone to tell me with a straight face that the GDP is through the roof so that I can feel better and instantly forget what all these terms even mean."
"For the first time in my life I know who the secretary of the treasury is," Harrington continued. "And I don't like it."
Reluctantly informed citizens like Harrington have also asked that CEOs of the nation's five largest banks release a joint statement saying that the October bailout worked perfectly, normal lending has resumed, and that we're nowhere close to having the entire monetary system collapse upon itself like a house of cards.
According to a CBS News/New York Times poll, 98 percent of Americans no longer appreciate President Barack Obama's attempts to break down the economic crisis into simple terms they can understand. Instead, many say the president should have the decency to insult their intelligence by using complex jargon to confuse and deceive them, perhaps even implying that the subprime mortgage fallout was just a big misunderstanding that resulted from a clerical error.
"I know when he's telling the truth, and it bothers me," recently laid-off schoolteacher Mary Hanover said of Obama. "He gets this serious expression on his face and says things like, 'This is the worst economic crisis since the Great Depression.' Who needs to hear that? For Christ's sake, smile a bit and say we just found a diamond mine under Montana that's going to pay for everything. I'll believe you."
"Please, treat me like a child. Treat me like a five-year-old," Sacramento resident David Cooke, 64, wrote in a letter to Congress. "I lost everything when the Dow tanked, and I'm too old to start working again, so why punish me further by explaining in detail the clever ways these investment firms ripped me off and how they're all going to get away with it?"
Thus far, many policymakers in Washington have responded favorably to their constituents' requests, saying they respect and understand the public's need for dishonesty.
"I think we can accommodate the American people on this," Senate majority leader Harry Reid (D-NV) told reporters. "Why, just today we made excellent progress with GM, whose CEO Fritz Henderson told us that every penny of federal and taxpayer funds would go directly to the construction of three new auto plants in Detroit that will create over 90,000 new jobs and spark the economic rebound we've been waiting for."
Continued Reid, "Things are looking very, very bright"
Before closing: something serious to leave you good and depressed (and/ or outraged) about human beings. Maybe I should have posted this part before the comical stuff…Anyways.. I want to refer you all to the best little book on financial euphoria and speculative episodes that I have ever read. And it is witty also. I am referring to John Kenneth Galbraith's "A financial history of financial euphoria" , written just after the 1987 crash. According to the author ,every speculative episode in history has the same pattern going back to the early history of capitalism , like the Tulip Mania in Holland in the early 1700's. It's like we never learn. His description of the general speculative pattern EXACTLY fits the latest crash. And it's not just the corporations and banks that are culpable,according to the author, but, of course, a lot of ordinary people stupidly or inadvertently or neurotically get swept up in the high. It seems like like a drug or alcohol high: nice at first, and then comes the crash…And then you gotta get high again. I know…I'm going out for a few beers right now…
Did you read Matt's "The Great American Bubble Machine"? I found a link that works: (http://www.lewrockwell.com/orig10/taibbi7.1.1.html)
Ah that old definition of "insanity" is playing through my mind…In response to another comment. See in context »
I too hate the "without admitting wrongdoing" phrase. Would it accompany criminal settlements? "He agreed to serve three years in prison without admitting wrongdoing." That way the guy could say, "I didn't do anything wrong, but it was too expensive to fight it in court."
The price tag of the penalty may only cover the costs of the investigation, if that. But I agree with the idea of a light penalty along with a documented infraction. This way, if it happens again, the penalty can be severe.
Question: does this decision prevent civil action from parties that can demonstrate they were harmed by naked short-selling? If not, this action could prove much more costly for GS.
A) Goldman already was caught doing this once, in 2007, and fined $2 million. So the fines are actually decreasing in size.
B) I don't know of a precedent for anyone winning a civil action in a suit in which a prime broker was accused of colluding with naked short-sellers. That would be almost impossible to prove.In response to another comment. See in context »
Perhaps not "win" in the technical sense of trial to a verdict, but I've heard Overstock.com's CEO, Patrick Byrne, speak about his shortselling litigation (some of which I believe is ongoing) and he has had some litigation success in terms of winning interlocutory rulings and obtained a monetary settlement.
Regardless of the niceties of claiming to admit no wrongdoing, when a party pays money to walk away, that speaks volumes. (As does the amount, as you noted.)In response to another comment. See in context »
Matt, please correct me if I'm wrong here but there is something screwy about the time frame in question.
The article mentions that Goldman violated emergency SEC requirements instituted in Sep 2008 with trades it made between Dec 2008 and Jan 2009.
Well here's the SEC notice from 2008. You'll note that it is not to prevent naked short selling, it is a ban on all short selling of financial stocks for a temporary period. The ban was extended but only through mid-October as far as I can tell. Personally I don't think there should have been a ban on legal short selling of insolvent companies at all, but that's beside the point.
The point is that the shorting Goldman was fined for took place after the ban they had supposedly violated had expired. From the Reuters article:
Regulators said that because of a bookkeeping error, the Goldman unit between Dec. 9, 2008, and Jan. 22, 2009, accepted about 385 orders to short stocks where it had not first borrowed or arranged to borrow the securities as collateral.
Now that does describe naked short selling, but naked short selling is and was already illegal, it was simply ignored by the SEC. To date I have not seen any investigation of who was responsible for the illegal naked short selling that drove Lehman's price into the ground in a matter of days. Would anybody be surprised at this point to find that Goldman was the driver for that too?
So if Goldman is being fined for naked short selling, that has nothing to do with the SEC ban of legal short selling from what I can tell. As you're aware, naked short selling is and already was illegal at the time despite the fact that Goldman didn't have to admit to wrongdoing. The author of this article does not seem to grasp the difference between regular shorting and naked shorting.
What this looks like to me is a blatant and deliberate collusion between Goldman and the SEC where Goldman pays a slap on the wrist fine, admits no wrongdoing, and the whole practice of illegal naked shorting gets brushed under the rug.
Am I missing something here? Because the article you linked to and this one from the WSJ both seem to miss the fact the the ban on legal short selling of financial stocks had expired before the trades Goldman was fined for took place.In response to another comment. See in context »
The only case I know that was filed was dismissed in 2007 (from news.morningstar.com, 12-20-07, 11:32 AM EST):In response to another comment. See in context »
U.S. District Judge Victor Marrero in Manhattan threw out the suit, saying in part that a "fine and complex line" exists between conduct permitted by the Securities and Exchange Commission in its regulation of the securities industry and conduct that would typically not be permitted under federal antitrust laws, most notably certain daily communications between brokers-dealers to effectuate locating and borrowing securities for short sales.
"The threat of a 'nonexpert jury' mistaking lawful conduct under the securities laws as
evidence of a conspiracy under the antitrust laws …, would place immense pressure on defendants to curtail the open exchange of
information," the judge said. "Such antitrust suits would likely chill a broad range of
activities that the securities laws permit and encourage, and would likely inhibit the short selling activity that provides market liquidity and pricing efficiency."
The complaint, originally filed by Electronic Trading Group LLC in April 2006 and amended
earlier this year, had alleged that the major broker-dealers charged unearned fees, commissions or interest on short sales where those broker-dealers failed to borrow or deliver the stock to back a short position.
During lunch I caught part of an NPR interview of Gretchen Morgenson, talking about GS. Not bad, she explained things pretty well (hopefully to further increase the size of an informed public)
One thing she implied, I am not sure I have read it here or not, is the fact that those who work with the rating agencies, paid far less than GS scum, gave good ratings to the crappy CDOs GS was unloading in order to gain favor with the possibility of aspiring to join the GS fraternity. Is this another rock to be underturned?
I had another thought. With the plethora of Goldman Sachs wrongdoings, would it make sense to create a website with a bullet list of their numerous transgressions with some sort of status or metric on each item? Something eyecatching, colorful, and easy to understand. The trangressions could be categorized as past, concurrent, and possible future wrongdoings. The site could be augmented with a global economic model simulating the tangible economic harm this investment/holding bank has done. It could answer questions like… what portion of GS bonuses were paid by US taxpayers.
Not surprisingly, our 5 senses correlate with our needs for clean food, clean water, safety and reproduction. The senses of touch, smell, taste, sound, and of sight. These are resource based research, tools. We are all researchers in our own right.
The planet provides the resources and our survival is a testament to a high functioning, ability to find and use these resources. We get together and passionately volunteer our time and energy to promote freedom.
Funny, no sense of an on going monetary computation, required to sustain life? Somewhere along the way we picked up this parasite that promotes, taxation, indebtedness, aggression greed…etcetera, etcetera, U could help me fill many pages. The evidence shows, as reported world wide, in many, languages, that this monetary system threatens our freedom.
As for human flourishing, when u care about the monetary system, u care about the wrong system. When a parasite is found do U promote, regulate – "fix" it?… or eliminate and replace with a resource based, system, that we are designed to deal with. We have never been more capable.
Thank you Matt. Naked Short selling basically ruined companies…absolutely absurd to be allowed EVER!!!
Stay on top of them. We may be late in getting them, but we will not stop…this BS has ruined countless 401 K's. Trillions.
Americans may be stupid, but some of us are NOT.
Ah, add to this that The Buffet sez that he feels GS did nothing wrong. I did get that right, yes? Maybe it was a misread…
Anyway, let me muddle through this as I see Buffeteers around the world who will rally to his redoubts and carry the day, the money and whatever else is left. I can see BH shares going to a half million or more if his weight pulls GS through. I can see…yawn…nothing will change. QED
"…a bank official on his hands and knees, weeping into his tie, shouting, "I did it! You got me! I did it!" I suppose that's a little too much to ask, however…"
When the stinking, rotten corpses of 500 stinking, rotten investment bankers drip from 500 lamp-posts, bring out #501 and listen to the sweet song.
It may be a slap on the wrist to Goldman, but it's a slap in the face to the American public.
I don't understand how entering incorrect text 385 times is a "bookkeeping error." Seems to me it's fraud. I can see one person goofing off. I can see two people entering nonsense one or two times. It's pretty stupid to enter nonsense in a vital field, but I can see it happening. But 385 times? C'mon.
It's not even a pebble in Goldman's shoe. It's a grain of sand. Do the math.
And if the fines are decreasing, we're all in trouble. Perhaps the new attempts to go after Goldman are a dog and pony show after all.
Warren Buffet has entered this discussion. This entire debacle is a failure of government and lax regulation. According to the wisdom of the infallable Oracle: GS is blameless and Matt Taibbi has no credibility and is by default full of shit. Greedy people will never stop going into investment banking. But incompitent regulators can be replaced (if you believe in government). Matt, you need a new vector on this. Demonizing a demon like Lloyd Blankfein is stating the obvious. Do you envy his money? Are you a closet godless anti-semite?
Funny how so little has changed over the past century.
Check out how Wall Street bankers used naked short-selling to ruin a progressive magazine called "Hampton's" back in 1911:
"Something like twenty brokers on the Wall Street curb began to advertise our five dollars par stock at four dollars, down to three dollars a share. We sent to them and offered to buy the stock and were never able to buy one share. One of the brokers afterwards admitted to us that they had none of the stock, and that they were paid to do the advertising."
- Ben Hampton in "The Brass Check" by Upton Sinclair c 1920
"Hampton's" was effectively driven out of business. It's amazing this kind of stuff is still going on … or maybe not so much.
Keep calling them out Matt,but as long as the country stays stuck in the 'Republicrat' rut we won't see any change. D.C. is captured and the legacy parties are totally owned.
Who is the actual biggest enabler?
Not GS, but CALPERS…the $200 billion california public employees retirement system, a government run, tax free, investment house
CALPERS loans out about a billion worth of stock every year to short sellers
Calpers operates on tax money forcibly taken from the taxpayers…..GS operates on funds
voluntarily invested by americans
The government run calpers is closed to everone but government employees….GS is open to investment by everyone
It's called "Kiting", (sounds pretty doesn't it), when an organization shorts out and sinks the stock price to ±$0, and explains how/why Enron can still be bought/sold. Selling something beyond the number of gross shares available shouldn't happen, ever, under any circumstances, but it does, and as such may be the only actual proof of overselling.
I think Goldman is a parasite, so lets get that out of the way.
But I don't understand the argument as to how naked short selling is somehow unethical/unduly damaging. I can buy a put or sell a call on just about any public company, and I don't see how it is inherently damaging to be bearish, and in fact I would think that it is healthy to the market that one can take a bearish position, and that it would unhealthy if one was prohibited from doing so. A market where we can only be optimists does not seem based in reality.
Quick FYI, as of the close yesterday the DJIA is still 60+ points *below* where it was when it opened when George Bush was Inaugurated President.
The first time.
In January of 2001. You can look it up.
Short selling is a legal, viable practise that helps ensure the overall health of the market. Some companies shouldn't be in business and it is short-selling that helps identify them quicker than most other methods.
Naked short selling, on the other hand, is as ethical as selling a property that you don't own.
Over and over again, Brooklyn Bridge Deed Stylee, which is exactly what it is.
One of the unique elements of naked short selling is that since the original shares aren't located, never mind being physically on hand with the seller, a naked short seller can short the same stock not only once, but theoretically can put it out there an *unlimited* amount of times.
Given Wall Street's dirty little, (not so), secret of just how prevalent naked short selling is, reaching these theoretical limits is not only possible, but highly probable. I find the number of 385 mis-booked trades over a 5 week period to be laughable at best, it's more likely that that number is reached within the first hour of any given day's trading on the NYSE/NASD.
That's why it's described as a form of counterfeiting, and that's why it's a problem.In response to another comment. See in context »
The problem is reality vs. phoney-baloney. Your put option is a legitimate contract to sell shares at a specific price. The contract exists until it expires or is executed. Real shares (such as those owned by Calpers) back the contract. Naked short selling is not a contract and there is no substance behind it. But, there is a price associated with it and it screws up the pricing of the other instruments associated with that stock, usually in favor of the bookies.In response to another comment. See in context »
I'm reminded of the episode of the Simpsons where Mr. Burns and Smithers are hiding nuclear waste in public parks and are caught by the EPA. Mr. Burns loses in court, and must pay a small fine.
"Smithers, my wallet's in my right front pocket. Oh, and I'll take that statue of justice too."
"Sold!" says the judge.
There is now speculation that there could be a a Goldman settlement of $1 to $5 billion. So the eventual news story could very well read: Goldman agrees to pay $2 billion in penalties — without admitting wrongdoing. How ludicrous would that be?
The SEC really, really needs to disallow that phrase.
According to Sec actions they only had to pay $225000 in fines
Short sales: In the Matter of Goldman Sachs Execution & Clearing, L.P., Adm. Proc. File No. 3-13877 (May 4, 2010) is a settled administrative proceeding against Goldman Sachs Clearing, formerly Spear, Leeds & Kellogg, L.P. The proceeding is based on the SEC's September 17, 2008 emergency order enacting temporary rule 204T to Regulation SHO which was part of the response to concerns about naked short selling during the market crisis. The rule required participants of a registered clearing agency to either deliver securities by a trader's settlement date or for short sales purchase or borrow the securities to close out the fail to deliver position by no later than the beginning of regular trading hours the day after settlement date. Respondent implemented procedures to comply with the rule which turned out to be deficient in several instances. As a result the firm was in violation of the rule. Pursuant to a New York Stock Exchange Hearing Board decision the Respondent agreed to pay a $225,000 fine. The Commission directed Respondent to cease and desist from committing or causing any violations and future violations of Exchange Act Rule 204. Respondent was also censured and directed to comply with the order of the NYSE Hearing Board.
[...] Goldman, Naked In an interesting side note to the much more publicized businesses involving John Paulson, Greece, and whatever else Goldman is currently getting tarred and feathered for, the bank was quietly slapped on the wrist by the SEC for violations related to naked short-selling. [...]
"On the list of crimes perpetrated by the big banks during the crisis period, naked short-selling probably isn't near the top. But it definitely exists and it was almost certainly a tool that contributed to the mammoth-killing of firms like Bear and Lehman Brothers. The big banks like Goldman enabled this game by closing their eyes to shoddy locates in order to make sure they kept their prime brokerage clients."
Matt, with all due respect you're dead wrong on this one.
The hedge fund cabal (that includes Goldman-Sachs) that has worked together using naked short selling as it's primary tool to wreck companies and the economy as a whole is right at the top of the "list of crimes perpetrated by the big banks during the crisis period".
And the DTCC is the party responsible for shoddy locates. That's because Michael Milken and company made sure the DTCC was in on the scam years ago.
Wall Street is basically legalized criminality……it's a way for lazy and devious people to make a pile of money off of other peoples' labors
And then you have the government hacks working day and night to steal from these thieves…..
For a good primer on Stragetic Fails to Deliver, also known as naked shorting, including how this damages and destabilizes our financial system, check out "Darkside of the Looking Glass: The corruption of our capital markets".
Not sure who the writer is. Found it on Patrick Byrnes Deep Capture blog dedicated to exposing the deep capture of the financial regulatory structure by Wall Street and hedge fund thugs. You can reach this link from deepcapture.com under the section Related Links: Naked Shorting Explained. There is much more useful information on Deep Capture Blog as well.
One has to wonder what affect naked shorting may have had on yesterday's 1000 point drop. They talking heads keep saying there was no volume on the exchanges, however much of the heaviest trading is now being done through dark pools. My understanding is that the volume traded in these pools never reaches the exchanges to be counted. It may very well be that these pools are also strategically failing to deliver outside of the exchanges in order to be out of the site of any regulatory body. Sunlight cannot curently reach these pools to disinfect them. It is not surprising then that there is a loophole in the new proposed regulations that will to allow them to continue this criminal act without any accountability to any regulatory body or have any real penalty exacted for their crimes.
Until the average American wakes up to what is happening these dark pools will continue to be allowed to plunder widows and orphans of their retirements and inheritances. I am just an unemployed grandma and I must say this isn't too difficult to understand once you can wrap your mind around the fact that our system has been corrupted, perhaps beyond repair, unless people wake up to the fact that we are systematically being robbed. Then we must hold our legislators accountable for neither addressing or correcting this problem.
My wife and I were discussing the Euro crisis and how it related to the back story of the real estate/banking crisis. We both though that the real estate/banking was about something larger than fraud and theft and that we are still missing some of the back story. She speculated that it was possible that the bank crisis was engineered on purpose with the specific intent of destroying the Euro, and taking down the Euro's dominance over the dollar. Does anybody know if there is any truth to this, and if so, what was Goldman's level of involvement, and who else might have been involved?
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About Me
My mission is to contribute us, the human world. Sometimes it seems that endless curiosity occupies me. Human bodies in movement. People and patterns of connection. How we do it!
-- It's the 4th of July and I'm in Seattle. I'm with a friend which might end tonight. . I'll know soon. I'm very open to couchsurfing because of meeting people. I'm spending some time at a conference near the airport. It's all good.
--Then it was...Saturday, June 30 and I'm in Vancouver half-way through my stay there.
-- The Seattle beginning finally went well. I got my luggage back from SW Air and got my passport and my ride north went smoothly.
Re my Vancouver trip: I'm really excited about going to the Subud Gathering for the Americas. I've been doing Subud for 40 years - can I believe that! It will be on the UBC campus, people from all over the western hemisphere. .. some are here from Europe and Africa too.
Profile: Where do I start? Family: I was born in Chicago Illinois USA. My grandparents on one side were born in the NorthCentral/Midwest, on the other side in Germanic Europe. They came in the 19th century. I'm clear I'm the offspring of people who moved around a lot.
I've been fascinated with international relations, with the interaction of sub-cultures in this big culture that is earth. I love movies because of how much they communicate and on so many levels.
I've gotten quite interested in the politics and the economics that inspired the USA to gift the bankers with enough money to pay off all the default mortgages and buy every family in the US a house (who does not have one).
I have a strong interest in non-verbal worlds.
I have a masters degree in fine art, from the UC, but I started at SAIC in Chicago, in the "Time Arts" department. Time in art and its changes fascinate me. I don't make movies but I am awed by their power and how much more there is to do with it.
I am a passionate person, with integrity. I expect the same and mostly get it.
One passion is this: I am an accomplished bodyworker. In the US the license is called "massage" but I do advanced work, in particular the Rolf Method of structural integration, and also energy work. The names of energy work range from acupressure to reiki with vortex points, qi gong, and zero balancing in between. I'm a reiki master teacher.
I'm happy to be alive, to be as functional as I am (I am using a cane most of the time now.), and a citizen of the world.
-- "If you experience it, it is the truth. The same thing believed is a lie."
-- Let the good times roll.
-- Humanity is one spirit.
-- We are one. -- TKR
May all beings be happy!
Why I'm on Couchsurfing
I hosted one very tall Nederlander. And met 2 travelers, was great. I've met some others too. I hosted several groups and a single American woman a few times. 5 Belgian ladies = the best! And 2 French couples. etc. Then a group of 5 Germans answered my front door (I"d told them they needed to be invisible but nooo.) surprised my landlady and ended my hosting.
I will start again but only singles or pairs and carefully.
I've been to two meetings, one a Pakistani dinner, one a big party described below.
This was be my first surfing. I stayed at the hostel, then for 3 days with a wonderful woman in Seattle. Turns out we have a lot in common. I did bodywork on her too. She's great. I'll get around to writing a comment for her profile; I promise.
not much yet. I'm hoping for more. I figure it out as I go. The Dutch guy was so tall I gave him my bed, np. I slept in the living room.
He actually helped me with (my meager) Dutch. I lived there and everyone spoke English too me.
There was a party at this painter's house. He has an enormous back yard. He paints "Greek Orthodox icons". What a surprise.
I met a woman who does Theta healing, from Utah.
And an Austrian traveler. I took her to see the Functional Art gallery in StaM.
I'm ready Freddy.
bodywork. movement. cultures. music jazz blues electronic dance jamming drums. plants. entheogens, vision and self-improvement. Chinese medicine. film. animation, computer graphics. breathing for energy, health, vision. fun. other people.
Newly! TuiNa: a way of practicing Chinese Medicine centered on touch. It's the orthopedics and chiropractics of Chinese medicine but it treats all, just like all of Chinese medicine.
I'm getting into bicycles. I need an adaptor to ride (fits on the crank and holds the pedal) and so I've been learning about bicycles and fixing them. There's a bike coop not too far away.
And did I say bodywork?.. (the rolf work= structural integration, zen bodytherapy (zentherapy), swedish massage, esalen massage, zero balancing massage, touch for health work (relearning, be a body for me?), polarity, reiki (am a reiki master-teacher), ortho-bionomy, Feldenkrais and their ATM's, movement work (somatics), qigong and taichi.. and I'm tired of listing. It's intently wonderful and the learning never stops. Making a difference....
I am interested in human evolution as we move to seeing that we are a whole and thus we are one. I have been friendly to the kind of people who have entheogenic and psychedelic dreams. (I am unfriendly to hard drugs, period. Also to weapons, violence and anti-isms)
Friendly to people making videos. I did that in art school. Then I did installations, now photos.
- arts
- culture
- writing
- dancing
- cooking
- yoga
- running
- partying
- gardening
- politics
- movies
- socializing
- crochet
- knitting
- music
- jazz
- drums
- blues
- cycling
- surfing
- animation
- economics
- teaching
- international relations
- languages
- mathematics
- medicine
- science
Music, Movies, and Books
... favorite movie is French Hiroshima Mon Amour --
and all the Miyuzaki films (sweet Japanese animation, always has people flying in his movies)
I like the World Channel on KCET (28-4), I dont always agree but I see news from elsewhere, NHK, RT, ITA, Spanish, Israeli, AlJezerra.
One Amazing Thing I've Done
In the Negev Desert at night. I was 17 y.o. I looked up at the sky and wondered about the cloud I saw, thinking "It's night."
I realized I was looking at The Milky Way, our galaxy.
(Yes, I love Neil deGrass Tyson too.)
Teach, Learn, Share
Since I do bodywork I could share some. I like to explore newer healthful (today's theory?) cooking.
I teach Reiki healing work (ask me) and have held classes at summer Rainbow Gatherings a few years ago.
I know about computers. I've done crochet. (2012 I started to knit.) I can fix a car. Ride a bike, slowly. I built mine at BikeRoWave. I can wire a plug, Fix a hole in a wall. Make hard cider. Bake bread. Fix a computer and set it up so it's easy.
I'm starting a garden. I need help in digging it up. 3-4 months fallow and it's full of grass again.
I can tutor some math and some science. I have student taught in programming and in performace art. I can run and set up audio equipment. I can speak 3 languages terribly but it's better than nothing. In August the Italians come to Holland on holiday. I gave them directions in Spanish. What a hoot.
So goes my life. I sometimes attend a few spiritual groups, art shows, Quaker meeting, Subud latihan, Arica work, yoga, public library, events at the pier. Obla Dee Obla Da Life Goes On and On...
I teach ESL (brilliant at writing and pronunciation help). I also tutor science and math. And computer 'stuff'.
I can think, I can wait and sometimes I can fast.
I can also share the love of learning and thinking clearly.
Countries I've Visited
Belgium, Indonesia, Israel, United Kingdom, United States
Countries I've Lived In
Netherlands, United States


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Top Definition
Drunk High is basically being high off alcohol and everything is funny like when you're high.
Man, last night we we're all laughing because we were on a drunk high
by Contagious high July 14, 2009
Trending Now
Can you define these popular missing words?
Its when you are both drunk and high. Doh.
Plus, you like it alot.
Plus, you like it alot.
Yesterday I smoked a joint and drunk a couple of beers. I felt so awesomely drunkhigh.
I got drunkhigh yesterday by myself.
I got drunkhigh yesterday by myself.
by latvianguy May 02, 2015


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Now, taxi service just a tap away
By Express News Service - CHENNAI
Published: 09th November 2013 07:30 AM
Last Updated: 09th November 2013 07:30 AM
A few years from now, the incessant haggling on the phone a customer has to undergo to direct a call taxi driver to the pick up point may become a thing of the past, claim founders of Taxiforsure, an online taxi booking service.
Available on Android and iOS platforms, the service was launched in Chennai this week, enabling users to book a call taxi by just a tap on their smartphones.
The application based service which has been created by a Bangalore-based IIM duo, is already available in Bangalore and Delhi NCR and entered the Chennai market this week.
"A taxi user with a smartphone can already see the distance travelled, routes available, traffic intensity and estimated time on arrival, through various navigation apps available. What we have done is we have tied up with several taxi drivers and have provided them too with the technology and have taken the taxi experience a step further by allowing customers to not only book taxis online, but also to monitor each and every aspect of the booking" says Aprameya Radhakrishna, the co-founder of Taxiforsure.
The online platform, which was launched two years ago in Bangalore, has garnered over 2,000 taxi partnerships till now and over 600 in Delhi NCR, where it was recently launched. The platform sees about 3000 transactions a day, claims Aprameya.
"Through the app, the customer will be able to view how many taxis are there in the vicinity and once booking is done, he will also be able to monitor where the taxi is, through GPS. The drivers too have been given Android based phones," adds Aprameya. The company had conducted a trial for over three weeks in Chennai and as of now, has partnered with about 50 taxi drivers in the city.
The founders, however, claim that this will be increased to about 500 in six months. The tariff will be in line with the market rates charged by other call taxi companies and the service will be launched in 15 more cities by 2015, claims Aprameya.
Disclaimer: We respect your thoughts and views! But we need to be judicious while moderating your comments. All the comments will be moderated by the NIE editorial. Abstain from posting comments that are obscene, defamatory or inflammatory, and do not indulge in personal attacks. Try to avoid outside hyperlinks inside the comment. Help us delete comments that do not follow these guidelines.


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N.J. Congressman Chris Smith becomes 40th co-sponsor of H.R. 3760 Tourette Syndrome legislation
Bill H.R. 3760 was introduced by fellow New Jersey Congressman Albio Sires in December, and 7 of the Garden State's 13 Congressmen have joined him in signing on
The CARE Act, with bill number H.R. 3760, was introduced to the House of Representatives by U.S. Congressman Albio Sires (D-NJ13) on December 20, 2011. Congressman Smith is the seventh of 13 New Jersey Congressman to co-sponsor the bill, joining Leonard Lance (R-NJ7), Robert Andrews (D-NJ1), Rush Holt (D-NJ12), Steven Rothman (D-NJ9), Rodney Frelinghuysen (R-NJ11) and the late Donald Payne (D-NJ10, 1989-2012).
This bill would amend the Public Health Service Act to provide for the expansion, intensification and coordination of the programs and activities of the National Institutes of Health (NIH) with respect to Tourette Syndrome.
"I am extremely pleased to co-sponsor the legislation of my friend and colleague, Congressman Albio Sires, to provide for expanded research and data collection regarding Tourette syndrome (TS)," Congressman Smith said. "I also believe the estimated prevalence of TS may be severely understated and our understanding of the disorders relationship to other neurobehavioral problems is grossly inadequate."
Bill H.R. 3760 also would establish regional centers of excellence across the country to conduct research into the cause, diagnosis, early detection, prevention, control and treatment of Tourette Syndrome and associated neurological disorders such as OCD, ADD, ADHD, Asperger's Syndrome, anxiety and depression.
NJCTS, the nation's first center of excellence for TS, was established in 2004. It is the only agency in the New Jersey – and one that leads the nation – that supports the needs of children and families dealing with TS, an often misunderstood and misdiagnosed inherited neurological disorder characterized by repeated involuntary movements and uncontrollable vocal sounds called tics.
"Although victims of TS can expect a normal life expectancy, the disorder can absolutely devastate their lives, causing extreme stress and anxiety, and in many cases steal from individuals their potential for educational and social development,"
NCTS Executive Director Faith W. Rice believes support for individuals and families with Tourette Syndrome is something everyone can be a part of and notes how – with the co-sponsorship of Congressmen Smith, Lance and Frelinghuysen – H.R. 3760 very much is bi-partisan legislation.
"We are pleased that Congressman Smith has signed on with this important legislation and hope that other Congressman and Senators will follow in his footsteps," Rice said. "New Jersey has changed the face of TS research, education and support through partnerships and collaborations, and we look forward to seeing more develop on behalf of the 1 in 100 children nationwide who show symptoms of Tourette Syndrome."
The complete language of bill H.R. 3760 and other TS legislative press releases are available by visiting www.njcts.org. To register support for H.R. 3760, please visit POPVOX – which bridges the gap between the input the public wants to provide and the information Members of Congress want and need to receive – at https://www.popvox.com/
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Solutions for Chapter 18.1 Problem 4E
A curve is said to be oriented if we have chosen a direction of travel on it.
Defn. of Line Integral: consider a vector field and an oriented curve C. divide the curve into n small and almost straight pieces along which is approximately constant.
Represent each division of C as and the value of at each point on the small piece of C is approximately .
This definition can be visualized as


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Moscow International Financial Forum Moscow
24. - 25. October 2016 | European trade fair and forum for innovative investment, funds and private equity
In 24 Days
professional visitors only
24.10.2016 - 25.10.2016*
Monday - Tuesday, 2 days
11. November 2015
12. - 13. November 2014
At the Moscow International Financial Forum banks, asset managers and private investors from throughout the territory of the CIS and neighboring countries are meeting with innovative companies in the financial industry from the West. In order to offer visitors an overview of best-quality investment products and concepts the exhibitors are carefully selected. The fair is an important platform to present new and interesting products and investment concepts.
The Moscow International Financial Forum will take place on 2 days from Monday, 24. October to Tuesday, 25. October 2016 in Moscow.
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Hansa Fincon
Vikerlase. 4-40
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Product groups: alternative investments, closed-end funds, hedge funds, investment funds, private equity, sustainable investment, venture capital, …
Industry sectors: Finance, Financial Services, Investment, …
Fairs of these Sectors: Finance & Investment Trade Shows, Financial Services Trade Shows, Trade Fairs for Investment, …
Disclaimer: No responsibility is taken for the correctness of this information. Errors and alterations excepted! Fair dates and exhibition sites are subject to change by the respective trade fair organiser.
Autonomous city Moscow
Russian Federation
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for trade fair date in Moscow
Fair location*:Congress Centre,
6, Ilyinka St., 109012 Moscow, Moscow, Russian Federation


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1 & 2 Kings : People's Bible Commentary Paperback
A Bible Commentary for Every Day
by Stephen B. Dawes;
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1 & 2 Kings : People's Bible Commentary
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"The People's Bible Commentary" series covers the whole Bible, with a daily readings approach that brings together both personal devotion and reflective study. Combining the latest scholarship with straightforward language and a reverent attitude to Scripture, it aims to instruct the head and warm the heart. The authors come from around the world and across the Christian traditions, and offer serious yet accessible commentary. The series is aimed at first-time students of the Bible, all who read the Bible regularly, study group leaders, and anyone involved in preaching and teaching Scripture.
1 & 2 Kings : People's Bible Commentary by Stephen B. Dawes was published by Bible Reading Fellowship in February 2001 and is our 28747th best seller. The ISBN for 1 & 2 Kings : People's Bible Commentary is 9781841011189.
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Details for 1 & 2 Kings : People's Bible Commentary
|Page last updated
|5th September 2016
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Come on down for 'Price Is Right Live' at Riverside
Not many of us may want to admit this, but at least once in your life, you've been sucked into "The Price Is Right." You've cheered for Bob Barker and screamed at the bone-headed contestants. You've sat on the edge of your seat, watching the Big Wheel spin 'round and 'round, hoping it would land on that lucky number.
You can experience the thrill of "The Price Is Right" live at 7 p.m. Tuesday at the Riverside Theater, 116 W. Wisconsin Ave. »Read Full Article
Alchemist Theatre's 'King Lear' reigns as family drama
Early in Friday's opening-night performance of Alchemist Theatre's "King Lear," Bo Johnson's aged king called for the map demonstrating his intended division of Britain among his three daughters. Lear's attendants dutifully unfurled it — with the bottom at the top and the top at the bottom. When they tried to hang the map up, it kept falling down.
Director Leda Hoffmann confirmed during intermission that this sequence wasn't planned. But such a topsy-turvy world aptly illustrates the disorder that descends on Britain once the hot-tempered Lear banishes his beloved Cordelia, counting on his remaining two daughters to keep him and Britain safe. »Read Full Article
Check out interactive map of southeast Wisconsin farmers markets
Another beautiful Saturday morning — perfect farmers market weather.
Good thing there are so many of them operating on Saturdays. »Read Full Article


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The new Miss Indian Arizona loves acting, mentoring other students, watching old movies, Broadway musicals and singing. Other interests involve learning how to bead, improving her fry-bread making skills, politics, and science.
Taylor will now face a rigorous year of travel to many Arizona Indian reservations and participate in various school and state wide events. In addition to this schedule she plans to maintain her college course load, which will be every challenging. The Miss Indian Arizona Association's philosophy is that education is a very high priority.... read more


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Louise T. "Tuck" Brennan, 96, a pioneering executive, community leader, and world traveler, died Wednesday, July 23, of pneumonia at Foulkeways in Gwynedd.
In 1966, Mrs. Brennan joined American Olean Tile Co. in Lansdale, as the plant's head tour guide. Within three years she had become the company's first female executive.
As public relations director, she produced an account of the firm's 50-year history; was responsible for getting the company's tile products regularly featured in the nation's top magazines, and traveled widely to identify noteworthy examples of the company's products being used in homes and offices and other buildings.
When she retired in 1986, five industry CEOs were among the guests at her retirement dinner. A special edition of the company newsletter was headlined "American Olean's First Lady to Retire" and carried a story saying she made the firm "a household word" in the tile and flooring world.


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Annual Report 2011-2012
Report Highlights
- Message from the Chair of the Board of Directors
- Message from the Commissioner
- Who We Are and What We Do: Our Mandate and Our Complaints Process
- Highlights of 2011-12: The Year in Review
- 2011-12 Complaints
- Topics & Trends
- Participating Service Providers
- Customer Survey
- Who We Are: Our Team
- Statistics
Complete Report
Key Resources
Participating Providers
To view the complete list of our participating telecommunications service providers (TSPs), please click below. You can choose to visit the websites of our participating TSPs, or you may select one from the list to make a complaint about a particular provider.
Contact Us
To make a complaint, use our Online Complaint Form!
It's fast, easy and helps to ensure that we have all of the information we need to help you resolve your complaint.
You can also contact us to discuss your complaint or to ask us a question. Our offices are open from Monday to Friday, 9-8pm Eastern Time.
Email: firstname.lastname@example.com
Fax: 1-877-782-2924
P.O. Box 56067 - Minto Place RO
Ottawa, ON


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Estimated shipping is based on standard shipping rate inside contiguous United States. Your order total including shipping & taxes (NC) will be displayed later in checkout before submitting your order.
Adam & Eve Anounces Sales/Profits Spike Third Quarter 2011
Hillsborough, NC - AdamAndEve.com (http://www.AdamAndEve.com/news), America's most trusted source for adult products, is pleased to announce its record setting trend continues with third quarter 2011 results. Along with third quarter sales increases of 9% and profit increases of 78% over last year, year to date sales are up 9% and profit is up 28%. "We are greatly pleased with the third quarter 2011 results," says Chad Davis, Director of Marketing for Adam & Eve. "This has been a stellar year for Adam & Eve so far." Davis attributes these results to increased acceptance for advertising in mainstream media as well as decreased marketing costs and minor reductions in overheard. "Although we still utilize traditional paper-based marketing channels, we have found that many new methods of customer acquisition work more efficiently for us. Paid search, email and new media efforts including podcasts and mainstream television placement have made us a more efficient multi-channel marketer," says Davis. " With more than 20 million satisfied customers and 40 years of experience, Adam & Eve continues to set the standard in adult entertainment. For more information on Adam & Eve, visit the website at www.adamandeve.com or contact Director of Public Relations Katy Zvolerin at 919.644.8100 x 3121 or email@example.com.


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Welcome to the official web site of
North Carolina Dental Assistants Association
NCDAA represents dental assistants, business and office personnel and educators
|State News
|DANB- mandatory course for CDA renewal
Friday September 30th, 2016- Western Piedmont Community College 9am-12pm- Main Campus- Room- JBH-160
Presented by: Tonja Woodie, CDA
The course is an overview of current infection prevention and control laws, regulations, guidelines, standards, and the best practices. Other topics of discussion will include quality assurance measures, implementation of recommended infection control and safety practices, and the role of infection control coordinator. After attendant this course the attendee should feel comfortable implementing and maintaining infection control program for the dental setting.
NON Members: $60.00
NCDAA Members: $40.00
NCDAA Board Meeting 1:00pm- Bring your lunch and join us.


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...girls don't poop.
I hurt my back this morning when i went to use the bathroom, # 1 and then #2'd...and my back like wacked out and pulled or something. the lower part of my back hurts SO MUCH now i feel like i pulled every muscle down there...WTF???
whatta i do!?!?! it hurts to sit, bend over...stand...yeah pretty much all the time
Get on my Level
...girls don't poop.
You bulged a disk, I bet, and now that disk is pressing on nerves causing diffuse pain in your low back. You could try the cobra stretch--that fixes mine when it's reasonably mild. If it's worse, I resort to a TENS machine strapped to my back.
Back pain sucks...hope you feel better soon!
Zone diet on and off for several years....worked, but too much focus on exact meal composition
Primal since July 2010...skinniest I've ever been and the least stressed about food
My advice for all lower back problems and to anyone that has a back bone that doesn't have a rod lodged in it yet is to get an inversion table and use it daily. I had sciatica in my lower back and inverting is what fixed. When I was healing I used it several times a day. Now that I don't hurt at all I only use it once daily. From what I have read inverting draws fluids back onto the spice and allows healing that would otherwise take more time or just not happy. The spinal disks are the only tissue in the human body that don't have blood vessels going to them. I do my sit ups and inverted squats on my inversion table as well and I recommend one to anyone with back trouble. (over and over.....)
If you do have a bulging disc you can do things to help and actually keep out of surgery. Good luck and just listen to your body. If it keeps hurting definitely go seek out help.
thanks guys.... i already need surgery on both knees...so knee pain and back is a little over whelming, and this is coming from a person who refuses to accept pain.
ill google those stretches. i already have a slipped disk in my back from gymnastics/cheerleading years but it hasnt bothered me in years so maybe i moved it/forced it bad and reslipped it?
Get on my Level
Yes, the Cobra stretch, or medically know as McKenzie exercises can be good for reducing the disc pressure on the spinal cord. If that is what is causing your pain.
If the Cobra stretch/McKenzie exercise (I just now returned from my 2nd appointment at the McKenzie Clinic in Portland!) doesn't work and you end up having to go to a doctor, do NOT let them automatically corral you into a surgery. There are a variety of options, but if you go to a surgeon their solution for everything is surgery.
@daemonized: I've been seriously thinking about getting an inversion table.
"Let food be thy medicine and medicine be thy food." -- Hippocrates


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Climate Change and Ecologies of Value
Increasingly, scholars of global warming stress that by becoming geological agents, humans have disturbed the essential conditions (such as the temperature zone in which the planet exists) that they need to survive. Humans have arrived at this juncture through their drive towards "progress" ever since the Industrial Revolution and the widespread introduction of fossil fuels. Humanity's greed and competitive drive that brought us to our current plight continues, preventing us from fully taking on board the psychological, spiritual and ethical toll of dramatic changes to the well-being of many around the globe, and of many more in the near future. In order to deal with the human crises that are in the offing (if not already here, as Timothy Morton believes), we need to address the enormous anxieties and losses involved and the ongoing distress to humans suffering from them. HISB's "Ecologies of Value" project addresses what it means to be human in a time like this when challenges to daily life seem unsurmountable. We aim to address the culture of denial that hinders bringing people into awareness of what awaits them. Working with our colleagues at the Higgins School of Humanities at Clarke University, HISB hopes to replicate local "councils" modeled on the ones already taking place at the Clarke Institute. As the Director of the Higgins School put it, the councils will "begin to address our circumstances by both integrating and transcending the specific environmental, moral, political, and intellectual dilemmas posed by them." She continues to note that "Such a conversation may take participants into fearsome aspects of imagination and psyche, through questions requiring both intellectual and spiritual courage." We look forward to engaging in such an attempt to illuminate the human condition in our historical moment.
Spring 2015 Lectures:
Tonya Lewis, SUNY Buffalo
"Race Matters: Environmental Justice and Climate Change: Who Will Be Left Behind on Long Island?"
Thursday, February 11, 2016
4:00 p.m. at 1008 Humanities
Environmental justice is the idea that underserved communities face environmental challenges at a disproportionate rate. The talk will discuss the policies that are in place to protect these groups and why community action is important where policy gaps occur. We will look to examples globally, within New York State, and on Long Island, specifically in relation to migrant populations and climate change.
Tonya Lewis is a New York Council for the Humanities Public Scholar and an Instructor in Geography at SUNY Buffalo. Lewis has published in both law and scientific journals on the topic of New York State's policy on environmental justice, postulating that the policy is inadequate at protecting vulnerable populations.
This Public Scholars event, which is free and open to the public, is made possible through the support of the New York Council for the Humanities, a state affiliate of the National Endowment for the Humanities and the Humanities Institute at Stony Brook
Michael Klare, Five College Professor of Peace and World Security Studies
"When Worlds Collide: The Intersection of Climate Change, Resources, War and Peace"
Tuesday, March 8th, 2016
5:00 p.m. at Humanities 1008
Climate change will bring enormous pressures to bear on human societies and institutions, conceivably pushing some to the breaking point. If we fail to address these pressures in a constructive, cooperative fashion, the results could include war, state collapse, and mass migrations. Efforts to address climate change in a united, cooperative fashion can enhance the prospects for human societal survival and world peace. Which of these outcome prevails will be up to us?
Michael Klare is the Five College Professor of Peace and World Security Studies, a joint appointment at Amherst, Hampshire, Mount Holyoke, and Smith Colleges and the University of Massachusetts, Amherst. He is also the defense correspondent of The Nation and a contributing editor to Current History. He is the author of 14 books, including Resource Wars, Blood and Oil, and, most recently, The Race for What's Left.
Part of the The HISB Year of Study on Race Matters: Understanding a Global Crisis


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SPRINGFIELD, Ill. — Illinois taxpayers are on the hook for guaranteed public pensions no matter how well the investments perform on Wall Street.
When Illinois' five pensions systems earned nearly 13 percent on their investments last year, Illinois taxpayers still made pension payments that topped $6 billion. State taxpayers also ponied up the dough when the funds earned less than 1 percent two years ago.
"The fundamental point of this is that there is a guaranteed rate (for benefits) for public-sector workers," Ted Dabrowski, vice president of policy for the Illinois Policy Institute told Illinois Watchdog. "We have this system that guarantees benefits, yet we can never put enough money into it to make it meet its requirements."


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Rent Financial & Managerial Accounting 9th edition today, or search our site for other textbooks by Carl S. Warren. Every textbook comes with a 21-day "Any Reason" guarantee. Published by Cengage.
Need help ASAP? We have you covered with 24/7 instant online tutoring. Connect with one of our Accounting tutors now.


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