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Sep 1, 2004
Guillermo Babatz wants to revolutionize Mexico's mortgage industry and reshape the country's capital markets, too.
SHF's debut was accompanied by widespread speculation about
its role. Babatz describes that mission simply: to create a
secondary mortgage market.
And securitization should be the mechanism of choice to
finance mortgages, meaning mortgage-backed securities (MBS)
would become the backbone of Mexico's capital markets. "That's
for a simple reason. The social security reform of 1997 implies
that the great majority of financial saving in this country
will flow through institutions like Afores [privately-managed
pension funds] and...
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November 7, 2016 | Buenos Aires, Argentina
On the occasion of the 50th Annual Assembly, over 250 executives ... more
November 17, 2016 | Montego Bay, Jamaica
Caribbean economies are building momentum as efforts towards strengthening regional financial ... more
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1979 Book of Common Prayer, Personal Edition, Hardcover, Black
HarperOne / 1985 / Hardcover
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The Book of Common Prayer (1979) provides the order of the worship for all worship services and ceremonies utilized by the Episcopal Church in the USA. Because of its thoroughness, its structure and its beautifully written prayers, it is often used by other denominations as well. The Book of Common Prayer includes: The Daily Office--worship services for various times of day; The Daily Office Lectionary--daily Scripture reading schedule for every day of the year; The Collects--prayers that "collect" themes from Scripture appropriate to particular days, holidays, and seasons; Liturgies and Ceremonies for Celebration of the Eucharist, Ash Wednesday, Holy Week, Baptism, Marriage, Burial, etc; The Lectionary--a three-year cycle of Scripture reading for Sunday worship, and more. 8 point font.
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|Format: Hardcover
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Publication Date: 1985
Dimensions: 6.25 X 4.5 X 1.0 (inches)
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This compact yet comprehensive prayer book is a cherished resource for Episcopalians everywhere and the perfect choice for wide distribution in schools and for use as a pew prayer book. The Holy Eucharist, the principal act of Christian worship on the Lord's Day and other major Feasts, and Daily Morning and Evening Prayer, as set forth in this book, are the regular services appointed for public worship in this Church.
The Economy Edition includes the Revised Common Lectionary. The cover is embossed with an elegant gold cross.
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dfvlabutte5 Stars Out Of 5The common book of prayerApril 22, 2015dfvlabutteQuality: 5Value: 5Meets Expectations: 5What do I say and what do I do. This book answers all those questions and more
Quentin Caswell4 Stars Out Of 5February 25, 2008Quentin CaswellThe Book of Common Prayer is very useful for pastors interested in maintaining traditional forms of worship and following the traditional calendar.
Phyllis C. Thompson5 Stars Out Of 5February 5, 2008Phyllis C. ThompsonThe contents of The Book of Common Prayer (1979)is used in all congregations of the Epiacopal Church. Since I attend that church I give it a 5 star rating. The personal edition copy I received from Christianbook.com was in perfect condition and the service was fast.
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Seamless Integration Intro Expert techniques for living with WindowsNov 30, 2008
Yes, you can do that with Linux… Even if you want to live in an open source world, it's still full of Windows. This month we study strategies for Windows integration.more »
Top Ten Tops We pick the top ten Top toolsNov 30, 2008
The famous Unix admin utility known as Top has many imitators. We take a look at some of the top Top tools.more »
Security Lessons (Almost) undetectable hardware-based rootkitsNov 30, 2008
We look at the history of the rootkit, including its newest incarnation, the DR RootKit.more »
iTalc iTalc classroom management softwareNov 30, 2008
iTalc gives teachers complete control over the digital classroom and integrates the PC as a learning aid and tool.more »
Workspace: Pygmynote Python-based personal data managerOct 31, 2008
We get personal with Pygmynote, a simple Python-based personal data manager.more »
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OpenTimetool, a GPL-licensed project time recording tool is now available in version 2.2.2. A new module is ready for mobile phones and PDAs.more »
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Issue 27: Raspberry Pi Adventures/Special Editions
Buy this issue as a PDF
Critical Flaws Found in VeraCrypt
Popular open source encryption tool is vulnerable to attack
Ubuntu 16.10 Released
New "Yakkety Yak" edition emphasizes cloud and servers
Linus Announces Linux 4.8
Google Announces Its Own Pixel Phones
Google finally enters the phone hardware business.
Nextcloud Announces Raspberry Pi-Powered Home Cloud Box
Innovative system adds a hard drive and Ubuntu Core to the RPi for an IoT hub.
Linus Torvalds Confirms the Date of the First Linux Release
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End of OpenOffice?
The Apache Software Foundation considers retiring OpenOffice
Adobe Gives New Life to NPAPI Plugin for Linux
Adobe won't kill the plugin in 2017
LinuxCon North America Convenes in Toronto, Canada
Linux Foundation's big event celebrates the 25th anniversary of Linux
Linux Turns 25
Linux has evolved from "won't be a professional" project to one of the most professional software projects in the history of computers.


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Talk:Pressure point
|This is the talk page for discussing improvements to the Pressure point article.
This is not a forum for general discussion of the article's subject.
Article policies
|This article is of interest to the following WikiProjects:
- 2 Partial list with anatomical reference
- 3 Merge
- 4 Reliable Sources and Citations Are Needed
- 5 Major re-write
It appears that some sections of this article are written without proper NPOV. It seems as though in some cases, hostility is directed at those who misunderstand the concept. I am referring here to the use of all capital letters and other elements of tone. This needs to be edited to reflex an appropriate encyclopedic style. JWAbrams (talk) 20:10, 20 August 2008 (UTC)
Partial list with anatomical reference[edit]
Stop bleeding[edit]
- Brachial artery
- External carotid artery
- Femoral artery
- Peroneal artery
- Popliteal artery
- Dorsalis pedis artery
- Radial artery
- Superficial temporal artery
- Ulnar artery
Cause pain[edit]
- Ankle:
- Axilla or Armpit:
- Brachial plexus:
- Carpus:
- Common peroneal nerve:
- Femoral nerve:
- Kidney:
- Infraorbital nerve:
- Mastoid process:
- Metatarsal peak:
- Radial nerve:
- Solar plexus:
- Suprasternal notch (also known as jugular notch):
- Talus bone:
- Thigh:
- Ulnar nerve:
I've merged the article with Acupuncture point, since they are the same thing with different translation. Yao Ziyuan 14:54, 21 September 2006 (UTC)
DO NOT MERGE. There have been several attempts to merge this article or to divert it. This is wrong - as acupuncture points are only a subset of pressure points. If you read the article you will see this. Therefore, DO NOT MERGE. ThirteenthGreg 06:56, 23 August 2007 (UTC)
Identical article[edit]
There are two indentical articles about pressure points can this one be delted as the other has more and up to date information or redirection to this or the other article? —Preceding unsigned comment added by 220.127.116.11 (talk) 20:48, 9 April 2008 (UTC) Please provide a linkThank you--126.96.36.199 (talk) 14:59, 28 April 2009 (UTC)
I am not agrea. During my studies in Shaolin we studied dianxue. Acupuncturepoints are the same as dianxue! The only difference is that in this article we have not yet got prosessed the real idea of pressurepoints. We are confused about nerves, bones and tendones. Acupuncturepoints are the point we are writing about. I chalange you all. Show me a point who is not a acupuncturepoint! See www.shaolinqinna.com —Preceding unsigned comment added by 22.214.171.124 (talk) 19:31, 1 June 2009 (UTC)
Reliable Sources and Citations Are Needed[edit]
Added a unreferenced tag to the page due to the lack of reliable sources and lack of citations. MastaFighta (talk) 19:06, 15 March 2008 (UTC)
Major re-write[edit]
There have been so many bit-edits over the last few months, and vandalism, that the article lost its flow. Also it was almost completely unreferenced. I have thus rewritten much of it, making repairs, updating content, adding references - hopefully it's a better and more reliable read. To make it easier for you to review, I have tried to do it in section. ThirteenthGreg (talk) 14:42, 30 March 2008 (UTC)
It appears that it's now an advertisement for a martial arts website. Perhaps another re-write removing the website as the only source would be helpful--Ted Apr 20 2008
Discussion within the article[edit]
Regarding the major rewriting, user Bemiller, signing his changes "BOM," had made several modifications to the article that directly contradicted the existing text. Rather than changing the article, however, he had simply added his contradictory text below whatever he was contradicting. I have made an effort to merge the data he provided with the existing text. Please feel free to (a) correct the improper referencing style left over from BOM's comments, (b) correct any misinformation still present (don't forget to reference!).
I also better organized the discussion page. john factorial (talk) 21:31, 22 April 2008 (UTC)
Not Pressure Points?[edit]
What is the sensation I get when I scrape the bottom of my foot at the top of my arch and feel it in my toes, or scrape my side and feel strange in my leg, is this pressure points or something else?
See also[edit]
- Trigger point, even if not as related as some demand. Jidanni (talk) 19:41, 26 November 2008 (UTC)
See also[edit]
- Trigger point, even if not as related as some demand. Jidanni (talk) 19:41, 26 November 2008 (UTC)
That site seems to have nearly the exact same information, in those words. Who copied who? Someone mind running a check on edit dates? Me so lazy. Aaron ► 07:30, 22 December 2008 (UTC)
I've gone back briefly, and the words that appear in Wikipedia are made up of many different edits, so it couldn't have been copied from another article in one neat slice like that. For example, I added the words myself about the Golgi Tendons back in 2006: http://en.wikipedia.org/w/index.php?title=Pressure_point&diff=76158696&oldid=76135061
... and yet those words appear almost verbatim in the article. Does Wikipedia have a standard template for emailing people where this kind of breach has taken place?
ThirteenthGreg (talk) 10:30, 24 December 2008 (UTC)
Tagged: Multiple Issues[edit]
The article is riddled with grammatical errors; I would have proofread it but there seem to be some other issues that may warrant a (another?) complete rewrite.
Apart from the cleanup issues which are considerable, none of these sources are very reliable:
5 Points to a quote which describes Felix Mann's stance on the validity of pressure points as they relate to acupuncture. Not only is this an opinion for which there is no supporting evidence within the cited reference, but it's context is unrelated to this article.
6 Synthesizes information from it's source (stating that nociceptive reflex could give one an advantage in a fight).
11 Links to a forum.
7 and 9 Link to essays, and there are far more reliable sources on the subject available.
12 Points to a consensus statement developed by a panel at the National Institutes of Health. It would be an excellent source except for the disclaimer at the top of the page stating that the conclusions in the statement are dated and could in fact be wrong.
The rest are links to online bookstores, and given the unverifiability of the aforementioned sources and the fact that the book citations don't list page numbers makes them highly questionable.
If it weren't for the fact that this article has both cleanup issues and unverifiable sources it would be salvagable, but this article is going to need to be rewritten to be up to par. Erroramong (talk) 08:18, 15 February 2009 (UTC)
Nonexistent Website[edit]
this website "Wall of Silence" by Rick Clark is given as reference for the 'Wall of Silence' that should surround the technique, but the site does not exist. --Dia^ (talk) 17:51, 27 June 2009 (UTC)
Criticism section needed.[edit]
I note the opening says "...may produce significant pain or other effects ..." This implies scientific doubt about the matter. It later says "While it is undisputed that there are sensitive points on the human body where even comparatively weak pressure may induce significant pain or serious injury, the association of kyūsho with esotericist notions of qi, acupuncture or reflexology is controversial.[4]" Explain the controversy, please. ThuranX (talk) 16:46, 25 July 2009 (UTC)
there is no "scientific doubt" on the point that the human body has its more tender spots. This is so common sensical that most martial arts just go about the business of shielding the tender spots by using the more robust parts of the body without making a point of turning this into a science of "pressure-points".
The problematic part is, how to draw the line between "pressure-point" oriented martial arts and your general "hit him on the nose, then kick him in the nuts" type of martial arts. How aren't these "pressure points"? Because everyone already knows it hurts when you hit the nose or the testicles? --dab (𒁳) 09:16, 24 September 2009 (UTC)


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Diffuse, directly inhale, or dilute with V-6 Vegetable Oil Complex to apply topically.
Keep out of reach of children. If you are pregnant, nursing, taking medication, or have a medical condition, consult a health-care practitioner prior to use. Avoid direct sunlight for up to 12 hours after applying product.
Storage: Keep in a cool, dark place.


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With a large Chinese population in the Willoughby area, Chinese New Year celebrations in Chatswood are second only to Sydney City's in Chinatown.
This year, Chatswood Mall will be transformed into a festive path of good luck and fortune, decorated with lanterns, firecrackers and lucky scrolls to welcome the Year of the Snake in February 2013.
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The official opening will be at 11am by the Mayor of Willoughby and the Chairperson from the Chinese Cultural Centre NSW. A Lion and Dragon Dance will welcome the New Year, followed by an assortment of performances and entertainment.
The Chinese New Year Celebrations are organised by the Chinese Cultural Centre NSW and hosted by Willoughby City Council. To be part of the celebrations, phone 9411 3799.
For this exhibition of Chinese culture and art, items have been provided by the Chinese Cultural Centre NSW and installed by the Chatswood Library. Learn about how Chinese New Year came about and how it is celebrated across the world.
Do you want to use our mobile site?


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This Rosco 17" Wood Belay Pin is used in pin rail systems to secure overhead lights and other scenic elements with rope rigging. Rope is wrapped in a figure-8 around the pin, much like cleats or belaying pins on sailboats.


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I have a Web development company, for more than eight years and I Adanaspor developing websites and web applications in PHP, MySql of course I use libraries and other languages HTML, javascript, jquery, mootools... I have designed a lot of websites and Web applications for businesses and individuals,some of them I publish it on my site: dirsiteweb.com


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Preview scale: 21.0 x 18.0 inches
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Three tones of blue and white splotches/dots form hexagons, which by definition also zigzag or chevron-it across the canvas. Makes me think of a blue snow-cone! Coordinates with the blue (boy) impossible sheep fabrics.
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In this thread cash being greater than market cap (or cash per share greater than price) was mentioned. I don't quite get the aim of that (I would deduct liabilities), but I need to get my post count up if I'm ever to enter the monthly tipping comp, lol, so I thought I'd have a look.
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text:
Period: Goryeo dynasty (918–1392)
Date: late 13th–14th century
Culture: Korea
Medium: Stoneware with stamped and inlaid design under celadon glaze
Dimensions: H. 13 5/8 (34.6 cm); Diam. 7 3/8 in. (18.7 cm)
Classification: Ceramics
Credit Line: Fletcher Fund, 1927
Accession Number: 27.119.6
This bottle, made during the height of celadon ware manufacture in Korea, attests to the technological and aesthetic achievements of Koryō potters in the production of elegantly formed and decorated vessels, as well as the Korean preference for themes from nature. Inlaid chrysanthemum blossoms are aligned along the bottle's gently curved sides, which have been formed into lobes.
The time-consuming technique of inlay in celadon ware (sanggam) involves incising or carving the design into the unbaked, leather-hard clay with a needle or wooden tool and filling in the resulting depressions with a white or black substance. The piece is given a biscuit or first firing, then coated with a celadon glaze and fired again at a higher temperature. Although inlaid decoration was used in Chinese ceramics during the Tang (618–907) and Northern Song (960–1127) dynasties, it was not widespread and its application to celadon ware was never fully exploited. Among makers of Koryō celadon, however, it became a favored decorative technique, establishing a distinct and important category of Korean ceramics.
Inlaid celadon vessels such as this example epitomize the refined sensibilities of the Koryō aristocracy. While ordinary people used simple, undecorated stoneware, royalty and the aristocracy created a demand for large quantities of celadon-glazed objects. The finest vessels were made in official kilns, which worked to government specifications and were supervised by court officials. The fondness for detail and exquisite materials is also evidenced in Koryō inlaid lacquerware and Buddhist painting.


text:
Julie Johnson: Inspiring Drama of a Woman Starting Over
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text:
Laker girls top Westview after Interstate Shootout
LO picks up one more win before opening up its TRL schedule
The Lake Oswego girls basketball team picked up a nice win over Westview on Tuesday as they get ready to resume league play on Friday.
The Lakers ground out a solid defensive performance and overcame a dreadful night at the foul line to pick up a 40-36 victory.
Lake Oswego had the better of the play in a back and forth first half. Freshman guard Katy Gilbert had a pair of early buckets and Ellie Moreland scored late to put the Lakers up 13-10.
Hannah Plott hit a three-pointer early in the second quarter to give the Lakers a six-point lead but Westview stormed back quickly and knotted the score at 18-18.
The Wildcats would play the Lakers close all game long but only held a lead for a few seconds in the game.
Morgan McKinney then scored a pair of baskets, including one on a length-of-the-floor drive that capped a quick 6-0 run from Lake Oswego.
Moreland would then knock down a three-pointer and was fouled. She would miss the attempt but Gillian Mair got the rebound and scored as Lake Oswego led 29-21 at the half.
In the third quarter, the Lakers' offense dried up and the Wildcats slowly clawed their way back in the game.
Westview went on an 8-0 run but still failed to take the lead, missing a handful of shots from close to the basket.
McKinney scored on an offense rebound with 1:45 left in the quarter for Lake Oswego's only points in the period and it made it 31-29 with one period to play.
Westview still seemed to have the momentum, especially when it grabbed its first lead of the game with 5:20 to play at 34-33.
However, Westview wouldn't score again until five seconds left in the contest.
A basket by Moreland gave Lake Oswego the lead back and, after a miss from the foul line, a put back by Gabby Bruno made it a three-point lead again.
Lake Oswego was 4-for-16 from the foul line in the game and couldn't put Westview away from the stripe, but Moreland bailed them out with defense.
She had a big block and then a rebound and steal on the other end to keep the Lakers up by six. Westview would knock down a pair of free throws in the closing seconds but it wasn't enough. McKinney and Moreland each finished with nine points.
The win follows a 2-2 performance by the Lakers at the Interstate Shootout. Lake Oswego opened the tournament with a solid 68-40 victory over West Albany before moving on to face Sunset.
The Lakers held the lead at the end of the first quarter but the Apollos outscored them 20-8 in the second period and cruised to a 61-43 victory.
McKinney had 17 points and Mair added 10 in the game. Next up was a back and forth battle with Glencoe.
The Lakers were led by their defense in the game and scoring was at a premium. After rallying to take a 17-16 lead at the half, Lake Oswego seemed to take control in the third period.
Lake Oswego led by five points but, again, had difficulty closing out the game and Glencoe rallied to force overtime.
In the extra period, Lake Oswego gave up just two points and won 50-42. Mair and McKinney each scored in double figures while Gilbert had eight points and Taylor Anders added seven.
In the finale of the tournament, Lake Oswego dropped a tough 57-52 decision to North Medford.
Lake Oswego will host Sherwood this Friday.


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How cute is Sasha?
Her current rating is 4.1 out of 5 with 21 vote(s).
All about Sasha
Pet Tip
Pain aggression in dogs – Pet tip 257
Unfortunately the following two scenarios occur from time to time: You're innocently petting your cat or dog when all of a sudden your pet bites you. The same reaction can happen when you pick up your cat or dog the way you always do, when all of a sudden it bites you. What is going on here? Your pet NEVER bites you, and now that you are trying to show it some love, it bites you. Has your pet gone mad? What might be going on here is pain induced aggression.
It seems so obvious after you bring your pet to a veterinarian to figure out what is going on, but it may be as simple as pain induced aggression. Pain induced aggression means that your pet has exhibited an aggressive behaviour because it is in pain. This is especially common in older pets that may be suffering from arthritis or perhaps one of their internal organs is bruised or diseased.
- Owner:
- Jean Isachenko
- City:
- Waterloo
- Province, Country:
- ON, Canada
- Type/Breed:
- Traditional Bonemouth Sharpei
- Date of Birth:
- October 21, 1992
- Sex:
- Female
- Height:
- Not Provided
- Weight:
- 58
- Coat Colour:
- Blonde
- Eye Colour:
- Brown
Likes: Sleeping on the bed/couch. Eating homecooked meals including: green/yellow beans, fresh garlic; peaches; pineapple; pickles, beets, homemade jam, toast, baby carrots, tomatoes, potatoes, mangos, kiwi, in fact, there is almost nothing Sasha will not eat.
Dislikes: Going out in the rain. I just hate getting my feet wet. I also do not like getting my nails trimmed and my ears cleaned.
Weirdest habit: Sasha thinks that no other animal belongs in our backyard. She will chase cats, only to slap them in the face to get them to leave. She never harms the cats, just slaps them in the face/head to get them to start moving. Also will try to chase birds and squirrels away from the bird feeders. Also, she will get into the shower with you and try to like you clean. Also you cannot have George W. Bush on the tv, when she is awake, as she will just start to whine when she sees his face or hears his voice. She has actually ran up to the big screen tv and went behind it and started growling.


text:
Lawyers Wrestle Over Driver's Seat in Litigation Against Toyota
In Their Own Defense, They Boast Freely to Federal Judge Who'll Pick the Leaders
Lawyer Daniel Becnel Jr. of Reserve, La., donated a kidney to his sick brother. Alexandria, La., attorney Richard Arsenault organized a symposium featuring a lawyer played by John Travolta in the movie "A Civil Action." New York lawyer Anita Jaskot's father is a doctor. She is also single and speaks Polish.
These are among the many personal morsels lawyers hope will help them win a lead spot in the litigation against Toyota Motor Corp., which has been consolidated in a Santa Ana, Calif., courtroom.
The first hearing is scheduled for May 13, and lawyers are on edge about whom U.S. District Judge James Selna will pick to run the plaintiffs' case. They're strutting their stuff in official applications filed with the judge.
For the Japanese auto maker, which declined to comment for this story, billions of dollars in legal liability could be at stake as it fights suits tied to its recalls of vehicles because of sudden-acceleration issues. The lawyers' quest is a pot of as much as $500 million in fees. Only a few will share it.
More than 100 lawyers have filed more than 75 federal civil suits. Most of them aim to hold Toyota responsible for a drop in the resale value of its vehicles.
The judge asked the attorneys to show they can work cooperatively and have experience handling complex cases. He also wants to know whether they are willing to commit considerable time to the Toyota matter and have the resources to do so.
Some lawyers have done their bragging at length. One application is 114 pages long. Another arrived with 13 exhibits, including court filings the lawyer is proud of.
Ms. Jaskot said in an email interview that she stressed her marital status and Polish language skills because the case may well involve overseas travel. "Any foreign languages as well as availability due to not having family commitments are considerations that a judge weighs," she said.
Mr. Arsenault wrote in his application that he had organized a number of legal seminars across the nation. He drops the names of Bill Clinton, Arianna Huffington, Kenneth Starr and the late Gerald R. Ford—all of whom spoke at conferences he organized.
"Some of these things at first blush might seem inappropriate or of no particular moment, but it truly is a good faith effort on the part of the applicants," said Mr. Arsenault. "To me it's an extraordinarily serious process."
The application of Florida attorney Lewis S. "Mike" Eidson Jr. mentions that he once was given the key to the City of Miami Beach. "I almost left that out," Mr. Eidson said, adding that he decided to delete the bit about his wife being a pediatric endocrinologist. "But I thought it does show I'm committed to the community and can work with big organizations."
Judge Selna will have the final say on which lawyers will take the lead in the case. Judges usually allow lawyers to first duke it out among themselves, then rely on a slate presented to them. Judge Selna has appointed three interim lead attorneys who have put together a slate of lawyers to take the lead after a series of attorney meetings in a Newport Beach, Calif., restaurant, a Chicago hotel and a Las Vegas casino to fight for positions.
Chicago attorney Ben Barnow's application mentions that he maintains a master list of all the other lawyers' email addresses, was the first to host a conference call of numerous attorneys and the first to host a meeting of them, where he even helped pick up the tab.
"Rather than detailing only what they have done in other cases," Mr. Barnow wrote, "we herein hope that the detail of what they have done in this case will present the court with a view into their dedication to this case." His filing then launches into several pages' worth of descriptions of his and his partners' involvement in other cases, including one involving stolen McDonald's sweepstakes game pieces.
"Judge Selna has a tough task ahead of him, I believe, because there is so much talent," said Mr. Barnow of the applications.
The attorneys involved in the Toyota litigation say they have to give it their all, even if that means boasting excessively.
"The attempts to be unique are seemingly endless," said one lawyer who is vying for a spot. The attorney didn't want to be named, because "I need to work with all the blowfish in this litigation and others. You are free to feel sorry for me."
Mr. Becnel's application, which was among the first to be filed, emphasizes that he spoke to a group of Japanese mechanical engineers 15 years ago.
"From this experience, as well as others, I was able to foster great relationships in Japan and throughout the world," Mr. Becnel wrote to the judge.
Besides noting the kidney donation, Mr. Becnel mentions that his ex-wife works at his firm. He says he put both in his application to show the judge that he's a cooperator.
He acknowledged some of his application was showmanship and said, "Every lawyer who's a good lawyer is very egotistical."
Houston attorney Mark Lanier's application is fairly straightforward, listing his past work while mentioning that he was named a Texas Super Lawyer for several years in a row by Texas Monthly magazine.
Mr. Lanier said that after reading some of the other applications, he was considering amending his own to add one of his most recent achievements: "I've invented a heart-healthy doughnut recipe that would put Krispy Kreme out of business."
Write to Dionne Searcey at firstname.lastname@example.com


text:
Weird World Roundup
Weird World Roundup September 2016
Weird World Roundup August 2016
Weird World Roundup July 2016
Weird World Roundup June 2016
Weird World Roundup May 2016
Weird World Roundup April 2016
Ghosts & Hauntings
Types of UFO – The Cigar Shaped UFO
What Did the Crew in the Coyne Helicopter Incident See?
Was the Berwyn Mountains Incident the Roswell of Wales?
The Farmington UFO Mass Sightings
What is the Black Knight Satellite?
New Testimony Could Prove 'Rendlesham UFO Incident was Real'
Strangeness & Mysteries
Is the Myth of Planet X Becoming Scientific Fact?
There's been a story around for a long time that there is another planet – and a big one at that – lingering on the edge of the solar system. Often called Planet X or Nibiru, the planet is said to have a huge orbit and be found beyond Neptune and poor downgraded Pluto. It […]
Was the Man from Taured an Interdimensional Traveller?
Does the Supernatural World Warn of Death and Disaster?
Did Our Ancestors Live in Subterranean Cities?
Bigfoot or Time Vortexes? Why People Go Missing in National Parks
The Rake – Urban Myth or Creepy Cryptid?
Woman Claims BEK's Visit Caused Serious Illness
There are no shortage of reports regarding the strange and eerie phenomenon known as the Black Eyed Kids or BEK's. Common to many of them are the witnesses resisting the efforts of these apparent children to allow them into a car or house. But a new statement from a woman who did the opposite and […]


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PC Games
This page contains Cheats for Alien Hallway organized by sections for PC. This game has "Strategy Real-Time" as genre, made by Sigma-team, released on Dec 14, 2010. If you can't find a hint or secret in our list, then please check this page periodically for the latest updates.
Boxshot & Details
- Developer: Sigma-team
- Publisher: Sigma-team
- Genre: Strategy Real-Time
- Release: Dec 14, 2010
- ESRB: Not Set
From: Sasuke59
Submit Cheats
If you know cheat codes, secrets, hints, glitches or other level guides for this game that can help others leveling up, then please Submit your Cheats and share your insights and experience with other gamers.
Ask a Question
Stuck in this game? Set a specific, clearly defined question and let other gamers answer your question or view answers to previously asked questions. If you think you are an expert then please try to help others with their questions.
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Alien Hallway - Gameplay
- Aug 3, 2014, Views: 148
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text:
Hump Day Hunk: Ryan Phillippe Shows That He's Still Got It Shirtless On The Beach
Ryan Phillippe has been awakening homosexuals since the '90s (as I raise my hand in example). His recent visit to Miami Beach shows that his ability has no intention of slowing down. The 39-year-old star reveals that he hasn't lost an iota of his sex appeal while strutting the beach with his girlfriend.
Check out a few more images below, and remember to thank Ryan Phillippe for helping make the world a gayer place. Happy Hump Day!
Oh, and this tweet that Ryan himself retweeted kinda sums it all up:
Best pic.twitter.com/PWzHfzEaoN
— rp (@RyanPhillippe) June 10, 2014
My name is Jackie Ryan from USA. I am here to let you know that what people say about getting back their ex may seem impossible, but with what you believe, nothing is impossible. I made a promise to Dr. Dele and to myself that when he restores my marriage, I would testify and tell the world hoping that I would someday be able to bring some kind of help for a hurting wife, husband, girlfriend or boyfriend who would have been going through what I once was.
We had some in-law issues which contributed greatly to our demise before I contacted Dr. Dele from posts I read on a blog. Dr. Dele showed up and calmed every storm, he brought peace to everybody. We are all happy and eat together in the same table today. God bless you Dr. Dele. Contact him immediately for help via firstname.lastname@example.com
Ed, you really shouldn't entertain the likes of ANYONE who posts as "Anonymous". For they are the social inept creatures who know of their irrelevance. To the point that they're smart enough to hide behind "Anonymous", but dumb enough to waste their time posting hatred that they're too cowardly to back up with their name.
With that being said, I agree with you 100% about "Anonymous" and Ryan Phillippe.


text:
GIGABYTE GA-6WMM7 Bios F6 Publisher's description
from Gigabyte
GIGABYTE GA-6WMM7 Bios F6
1. Filename: 6WMM7.F6
2. Show 1B Ghz instead of 1000 Mhz as intel spec required (only for PCB Rev.2.0 or above)
3. Support SST49LF004 EEPROM
4. Fixed can't enter STR under WINME when USB devices are plugged
5. Fixed can't enter S4 under WINME
1. 2 DIMMs up to 512MB DRAM
2. AC97 Audio & AMR Slot
3. Feature Connector Supports DFP & TV-out
It is highly recommended to always use the most recent driver version available.
Do not forget to check with our site as often as possible in order to stay updated on the latest drivers, software and games.
Try to set a system restore point before installing a device driver. This will help if you installed a wrong driver. Problems can arise when your hardware device is too old or not supported any longer.


text:
Web Code: MJL3PX-16734
Home > Primacare Double Sleeper Sofa
Global Furniture
View Collection:
Item No:
Support your patients and their guests with the Primacare Double Sleeper Sofa by GLOBALcare. This attractive, durable sofa allows visitors a comfortable place to sit during the day, and doubles as a cozy bed at night. Perfect for hospitals, residence halls, lounge rooms, or any place where space is limited. Both sleeper sides work independently, so one person can remain in the sitting position while the other reclines. Weight capacity: 350 lbs.
Main frame features four decorative, tapered wood legs. Cushions are durable, high-density Ultracell Bio foam so the sofa and sleeper will maintain its supportive comfort over the long haul. Designed to be easily opened and closed by one person, the Primacare Double Sleeper requires zero wall clearance when opening. Soft, flexible handles on the back are easy to reach so returning the chair to the sitting position is a breeze. Includes a steel-constructed, ventilated linen storage compartment beneath the seat so bedding is always close at hand. Manufacturer's warranty applies: 25 Year Limited Lifetime Warranty. Ships fully assembled.
This product has been Greenguard certified to support better indoor air quality for offices, homes, schools and healthcare facilities. Products that are Greenguard certified are regularly tested to ensure that their chemical and particle emissions meet acceptable pollutant standards. Item is non-returnable.
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Alumnae Board of Directors (sitting L - R) Peggy Flanagan Barrett, Maureen Byrne McCarthy, Rosanne Simoncelli Wilson, Brianna Wilson, Mary Waters McDonald and Cathy Warda Bender.
(Standing L - R) Irene Fredo Lessard, Michelle Martin Vivian, Mary Campanile, Peggy Kelly McFarland, Joanne Hilmey Cullen, Eva Evaldi Byrne, Michele Donohue Nostrant, Christa Wilson Penner and Madonna Sullivan Mulvaney.
Missing from photo: Margaret Whalen Brady and Pattie Keane Marren
Alumnae Board of Directors
The Mount Mercy Academy Alumnae Association members work to provide an array of successful social opportunities for alumnae and students with the side benefit of fully funding the Alumnae Scholarship Fund. These members meet monthly and participate in alumnae/school events.
The following group of alumnae are leading the Mount Mercy Alumnae Board for this school year:
Board of Directors 2015 - 2016
President Peggy Flanagan Barrett '73
Vice President Michele Donohue Nostrant '86
Secretary Christa Wilson Penner '00
Treasurer Margaret Whalen Brady '99
Catherine Warda Bender '81
Eva Evaldi Byrne '86
Mary Campanile '76
Joanne Hilmey Cullen '82
Irene Fredo Lessard '76
Patricia Keane Marren '82
Maureen Byrne McCarthy '67
Mary Waters McDonald '81
Peggy Kelly McFarland '80
Madonna Sullivan Mulvaney '69
Michelle Martin Vivian '98
Brianna Wilson '08
Rosanne Simoncelli Wilson '75
Brianna Wilson, Michelle Martin Vivian, Madonna Sullivan Mulvaney & Eva Evaldi Byrne
MMA President, Peggy Cronin '78, Alumnae Board President, Peggy Flanagan Barrett '73 and MMA Principal, Margaret Cuthbert Staszak '75.


text:
ACT massage therapy parlor implicated of persecution, control of Filipino employees
Eviction to their home was claimed to be padlocked during the night, and also the employees declare they were driven to as well as from operate in a van daily, as well as were outlawed from hanging out, bringing anybody to your home, or having sweethearts or pals outside your job. learn sports massage here.
They state they functioned 12-hour days, 6 days a week, as well as were compelled to take out big portions of their money as well as return it to their company.
They authorized reputable agreements, however purportedly shown up in Australia to discover the truth of the job was much from exactly what must have been guaranteed.
A representative for the ombudsman stated examinations were proceeding, which no additional remark can be made.
" Was there truly an abilities lack in the massage therapy parlor?" she claimed.
" The system is fitting the exploiters presently, and also I think till it occurs to your kids you could not care," Ms. Ryan claimed.
She got in touch with the Coalition to dedicate to carrying out much better securities for employees in advance of Saturday's government political election. She stated Labor had actually currently made such dedications throughout the project.
Cops examined the cases however did not ordinary costs for any type of criminal offenses, an ACT Policing spokesperson claimed.
United Voice ACT assistant Lyndal Ryan stated the case once again demonstrated how quickly employees on 457 visas short-lived visas made to correct ability lacks were being manipulated.
About 14 employees are believed to have actually been maltreated, according to examinations by the Salvation Army and also United Voice.
Possible expulsion was utilized as a method of advising them not to damage "your home policies", the employees declare.
Currently, the Salvation Army as well as a union which aided reveal the "terrible" case are getting in touch with both the Coalition and also Labor to a lot better stop employees from being manipulated with the 457 short-term visa procedure.
Ms. Ryan claimed higher oversight as well as tracking of the system was required, consisting of an intermediary police officer to guarantee employees are not abused and also understand their civil liberties.
Fairfax Media is not able to recognize business or employees entailed for lawful factors, however has actually spotted witness declarations from those entailed, along with pay slips and also bank declarations sustaining the claims.
Companies were provided power because a discontinuation of work, especially very easy throughout probation durations, would certainly compel the employee to leave the nation.
See declarations from the employees declare lots of were approached in resorts or massage therapy parlors in the Philippines, where they functioned as massage therapy specialists.
Employees declare their tickets were at first taken, as well as they were compelled to reside in a confined home in Canberra, which housed in between 10 as well as 18 employees at once.
The Fair Work Ombudsman additionally explored insurance claims of exploitation complying with demands for assistance from the employees. That motivated business to correct a variety of issues, the ombudsman's office stated.
Claims have actually arise that Filipino massage therapy employees were offered the ACT, loaded right into a congested home, underpaid, worn, based on a time limit, and also outlawed from socializing.
The union is afraid that 457 visas enable companies a harmful degree of control over at risk employees.
" Or are we simply producing a system that permits a great deal of individuals to be made use of?
" When you deny of individuals of their freedom as well as allow them have no control it belongs to enslavement."
It located those on 457 visas were prone to exploitation, although instances must minimize as a result of better tracking.
" Anti-slavery regulations was reinforced in 2013 to assist take care of this trouble, however there have not been any kind of prosecutions to clarify just what comprises browbeating as well as misuse of power and also susceptibility," she claimed.
National plan as well as advocacy policeman Heather Moore stated the case showed exactly how company sponsorship could be made use of to maintain prone international employees in unscrupulous your job.
" Increasing securities for international employees is action one, yet we additionally should source the anti-slavery structure as well as ensure its implementers have the tools to lug it out."
In 2014 it had 43 customers that determined themselves as 457 visa owners.
Several of the employees have actually since been managed connecting visas. Others have actually returned home.
The concern of 457 visa exploitation was analyzed by the Senate's education and learning as well as work referrals board, which launched a record in March.
JobWatch, a work civil liberties lawful Centre, stated it frequently obtained phone calls from short-term visa employees.
The Salvation Army has actually been advocating a harder strategy on enslavement and also human trafficking, supporting for even more prosecutions to make the most of recently-amended anti-slavery regulations.
It informed the board of 8 study which revealed underpayment, unjust termination, an absence of privileges, discrimination, contravention of visa problems, harassment, expulsion risks, or companies calling for repayment for sponsorship.


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Canopy is a new adventure sport whose main objective is to offer a unique activity and a different ecological experience which consists in not altering the habitat.
The feeling of going through the Valdivian forest or the Andean Patagonian forest from the tops of the trees, swinging or hanging in the middle of nowhere, is both funny and exciting.
The equipment consists of harnesses, links and pulleys, with ropes that provide the necessary safety during the complete tour. The wooden structures built on the tops of the trees are the milestones of this ride across the highest level of the forest. The platforms from which the visitors jump are joined by steel wires along which adventurers may travel important distances or cross rivers hanging from a maximum safety harness.
At the moment of performing this activity, we recommend that a guide accompanies visitors along the entire trip. They will provide all the necessary indications as regards safety and proper performance of canopy.
| Puerto Varas - X Región
Adventure Without Limits
A multiple adventure tour that includes hiking, Tyrolese ropes, rock climbing, rappelling and canoeing is the goal of adventurers and extreme sport lovers of all ages and...
|Adventure Without Limits
| Futrono - X Región
Feel the Adventure
At Chollinco Estate, we slid along an intrepid zip line over the Calcurrupe River. An amusing way to make contact with nature.
|Feel the Adventure
| Ushuaia - Tierra del Fuego
Trekking and canopy at the Martial Glacier
A few kilometers away from the City of Ushuaia, there lies a fascinating natural attraction: the Martial Glacier invites us to step on its eternal ice.
|Trekking and canopy at the Martial Glacier
| Ushuaia - Tierra del Fuego
Winter Resorts in Ushuaia
In addition to the already famous Castor Ski Resort, there is an important list of winter centers in Ushuaia ideal to enjoy when the snow starts falling. Here is a list of...
|Winter Resorts in Ushuaia
| Pucón - IX Región
Zip-lining Park in the Outskirts of Pucón
An interesting zip-lining park, capable of taking visitors along different air trails, connecting them with the most intimate areas of the Valdivian forest.
|Zip-lining Park in the Outskirts of Pucón
| Villa La Angostura - Neuquén
Zip-lining in Villa La Angostura
A fascinating experience amidst an ancient forest. Close to the village, canopy may be practiced along various air trails, ideal to be enjoyed with the family.
|Zip-lining in Villa La Angostura
| San Martín de los Andes - Neuquén
Zip-lining on Chapelco
Canopy invites everyone to fly like a bird above a forest made up of lengas at the Chapelco Mountain Range and to experience brand-new sensations, both during the summer...
|Zip-lining on Chapelco
Patagonia has a great deal of casinos distributed all throughout Argentina and Chile, and their modern halls let visitors enjoy games of chance such as roulette, slot machines, Black Jack, baccarat and dice. This section features the various casinos located in Patagonia. Discover each of them in the various regions presented in our website. Luck is waiting!
There is no doubt that Patagonia is one of the most beautiful sites on the planet. Standing at the end of the world, it features all kinds of stories, adventures, tours and tourist activities. Whoever wishes to get to know this place just needs to click on one of the videos we present here. These images will certainly catch the eye of many.


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Which Joe gave his name to 'sloppy joes'? We look at five interesting sandwiches and their lexical origins.
proper noun
A pillar with four lions on the capital, built by the Emperor Asoka at Sarnath in Uttar Pradesh to mark the spot where the Buddha publicly preached his first sermon, and adopted as a symbol by the government of India.
Further reading
12 synonyms for foolRead more
Are you looking for a word for a foolish person? We explore twelve interesting words to describe the dunderheads in your life.
6 'run' phrases you probably don't knowRead more
Before you run for the hills, let's run through a list of 'run' expressions that are running through our minds.
How brothers became buddies and brosRead more
The definitions of 'buddy' and 'bro' in the OED have recently been revised. We explore their history and increase in popularity.


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La Favela / ft. Dani Depizol, Alvacir Ferro by KaolinKit published on 2013-02-17T03:57:19Z I Stumbled upon these amazing vocals by Alvacir Ferro and Dani Depizol on ccmixter.org, provided by "Imaginario", and these real soulful guitar samples by Richard Bethell. I just had to mash it up, and wrap a beat around them;) Since I dont speak portuguese, I had some trouble chopping the lyrics, and couldn`t fit the whole context of Alvacir story in the mix, so I hope my twist on the artists original material won't offend in any way. Please have a listen to the original track by DaniloPrates at: https://soundcloud.com/imaginario/avacir-ferro-muleque-de To hear more of Dani Depizol`s work check out: https://soundcloud.com/danidepizol My end product turned out like a fusion of chill out,world and hiphop. My philosophy is why restrict yourself to one genre or, one language for that matter. So I packed in a couple of Spanish phrases along with the Portuguese, cause they just seemed to compliment the beat/theme, and hey the languages aint that far apart. Or, I might just have gone way off my rocker on this one, you decide:) Credits: Portuguese Vocals: "imaginario"(daniloprates)
 imaginario / CC BY-NC 3.0
 Guitar samples: "AdmiralBob"
 Admiral Bob / CC BY 3.0
 Also check out https://soundcloud.com/admiral-bob Spanish vocal cuts: "COFFEEEUROPE"
 COFFEEEUROPE / CC BY-NC 3.0
 Also check out https://soundcloud.com/hektor-thillet Genre Beatbox/HipHop/Worldfusion Comment by KaolinKit @burrlieve: Kool:) Thx m8 2013/06/26 01:53:38 +0000 Comment by Burrlieve :D easy listening . love it 2013/06/25 12:14:02 +0000 Comment by _Roland feeling this! 2013/05/24 22:13:20 +0000 Comment by KaolinKit @hektor-thillet: Thanks for the praise Hektor! That snippet from your poem just seemed to fit right in:) 2013/03/24 17:03:47 +0000 Comment by Dani Depizol @bernardo-fellipe-seixas: Valeu, Fe! 2013/03/02 15:25:32 +0000 Comment by Bernardo Fellipe Seixas Gostei, Dani! 2013/03/02 14:42:41 +0000 Comment by Y00n nicesample!! 2013/02/25 03:38:20 +0000 Comment by Dani Depizol @khalfani-dias: noixxx 2013/02/20 16:54:05 +0000 Comment by Dj Galletas Calientes Nice fusion! 2013/02/19 21:53:36 +0000 Comment by Dj Galletas Calientes Welcome to http://soundcloud.com/groups/ethnic-electro 2013/02/19 21:53:13 +0000 Comment by Khalfani Dias Daniiiii sempre representandooo!!! 2013/02/19 21:16:57 +0000 Comment by KaolinKit @skcollob: thx! 2013/02/17 20:39:03 +0000 Comment by Skcollob sweet work! 2013/02/17 20:24:02 +0000 Comment by KaolinKit @subeelvolumen: thanks! 2013/02/17 19:11:05 +0000 Comment by N.V CA. ye!! nice fusion 2013/02/17 17:30:56 +0000


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"How easy is it to fly a drone?" a voice said behind me. I stopped brewing my tea and turned around to see my Dad standing, waiting, with an inquisitive look on his face. At first, I thought it was a bizarre question – why would a...
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Pall Mall Medical - for all your healthcare needs, whether you are self-paying or have private medical insurance.
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Pall Mall Medical provides high quality private healthcare services to self-paying and private medical insured patients in the comfort of private facilities with a high standard of care, plus corporate medical services to businesses at our North West locations.
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What is Colitis? Ulcerative Colitis or Colitis is a condition that affects your large bowel and rectum. Usually established between the ages of 15 and 25, even though it can develop later in life. The lining of these areas will become inflamed and ulcers may form, commonly the sufferer will…
15th October 2016
Surgery in general, carries common risks that can and cannot be avoided. Breast surgery can carry risks of its own. Often there are preventative measures to help with these ill-effects, so here are some potential risks and treatments, courtesy of our Consultant Plastic Surgeon, Mr El Gawad: 1. Bleeding…
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" "I can assure you that Mr El Gawad won't let you down" "hello. I am from London but live in Blackpool. 50yrs young and underwent adominoplasty [tummy tuck] in August of 2016. My consultant was Mr Ahmed El Gawad. From the moment i met Mr El Gawad i felt valued, important, a humam being. Mr El Gawad understood how my tummy has affected me since childbirth. he "just knew" how much this had not only physically affected me but pshycologically too. His emotional affinity to my long standing suffering was unbelievable. Mr El Gawad explained all the procedural elements to me and how the procedure would take place. We discussed the, short, medium and long term care plan. Mr El Gawad is well known across social media and his profile is if one of the county's most competent professional who exhibits a very personal approach which was conforting and reassuring. Mr El Gawad was always available via social media for online support outside clinic. how good is that!! At +10 days post op, I've just had dressings removed for inspection and"wow!'" what a result and ive still got 3 months of post op care to go through. the quality of work is oustanding and the scarring minimal for this sort of op. I cant recommend Mr El Gawad enough. This procedure is a significant one at a cost so it's important that one has confidence and mutual trust and respect. i can assure you that Mr El Gawad won't let you down. fantastic. modern. clean. customer focused. supportive and just amazing. special thanks to Jemma , Rachel, Amanda, Carol, Bernice and all the staff. Bernice was truly fantastic and vety sweet . They were there with me all day and stayed late until 11pm . superb clinic and staff. The anetheatist was very kind and softly spoken , who reassured me totally. all this goes 101% to making the whole experience." Treatment Received: Tummy Tuck"
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ST. PETER-ORDING, GERMANY - JULY 24: Professional kite-surfer Gunnar Biniasch, Germany, demonstrating his ability on the Palmolive Kitesurf Worldcup 2010, July 24, 2010 in St. Peter-Ording, Germany
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Association News
ANSI seeks comments on ISO compliance program standard.
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June 14, 2012 - Standards Australia, the Australian member body to ISO, has submitted proposal for new International Standard on guidelines for compliance programs. Based on existing Australian standard 3806-2006, Compliance programs, proposed new work item would provide principles and guidance for organizations designing, developing, implementing, maintaining, and improving effective compliance program. ANSI invites all interested stakeholders to submit comments on proposal by Friday, July 27, 2012.
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ANSI Seeks Comments on Proposed New ISO Standard on Compliance Programs
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Hello!! I haven't been around at all since just after my BFP. Maddox reached out to me a while back, which was so very sweet. I'd like to be around more, I really enjoyed my other two birth boards. I read Marie's post about coming back and she inspired me to reintroduce myself.
I'm Courtney, 31, married to Aaron for 10 years. We have a DD 6 and a DS 3. I developed pre-e with DD but had a very uncomplicated pregnancy with DS. DD was born with a cleft palate, which was repaired at 10 months and she has no recurring problems from it. Because of that, we have high risk ultrasounds done to check for a cleft. We got the results back from it a little over a week ago and no cleft was detected! It was determined at that appointment that I have placenta previa. I'm on complete pelvic rest with the possibility of bed rest later. So far I haven't bled. I'll have another ultrasound at 30 weeks. We did not find out the gender!
I am excited to get more involved!


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Weather in Crescent City Ca. - 1/12/2014
Our weather is mild but with the prevailing wind blowing from west to east we are always fighting rust. We have a very high humidity that causes much ache and pain.[Comment on this Posting]
If you are thinking of moving to Crescent City, CA save yourself the trouble and DON'T! It's a miserable, depressing city infested with meth heads. Most people live in poverty and being a career welfare recipient is considered normal there. There are few good jobs in the city (working at the hospital/prison/school) but eventhose who are able to afford a nice life can't because there is nothing to do! It's beautiful with the redwoods, smith river, and beaches...but when it's raining just about all year long and COLD even in the middle of summer you don't really get to enjoy it. There's nothing to do. The mountains cut the city off from the rest of CA. The closest place to go is a 30 minute drive to Brookings, OR which is also a boring little city. This is a place for people who are happy living a boring life who don't want to advance. If you ever go you will see exactly what I'm talking about, because the people in the town are so BORED they have nothing better to do than gossip and start drama. I moved away two years ago and couldn't be happier, I would never even consider moving back![Comment on this Posting]
peaceful - 9/5/2010
I made a trip up to Eureka about 20 years ago, thinking that I might like to live there. I've always loved the redwoods and the ocean and it seemed like the perfect mix. But there was something about that town that was just depressing. Last year I made a trip to Crescent City to visit my sister and was pleasantly surprised. It's fairly remote (Eureka is 90 miles away, but it will take longer than 2 hrs to make that trip, but Brookings, Oregon is about 30 minutes away-which isn't bad). So if you need to shopping, the events and the crowds of a larger city, Crescent wouldn't be the place for you. But I loved it. The traffic was refreshingly light. The people were friendly and the pace of life was just slower. It's also cold--well, cold compared to Southern Ca. You won't see many days reach the 70s. But you get dramatic storms and gorgeous green foliage everywhere for putting up with that cool whether. Housing is affordable, but you have to find a job. Of course, finding a job anywhere these days is a challenge. But, overall, I found Crescent to be a wonderful place to be![Comment on this Posting]
Living in Crescent City Ca - 11/18/2009
Think of Del Norte Count as "Mayberry" with redwoods, clean rivers, beautiful clean beaches, rain, sun, fog and once in a great while a dusting of snow. If you want a life style where you get to live your life instead of just surviving and shopping then this is the place! Where people young and old go down to the river and sunbath, swim, fish and picnic after work. Where the whole county shows up for the 4th of July Parade and the fireworks display down in the bay. I can sit on my deck and watch the sun set all summer, the whales migrate twice a year, and lightning light up the ocean in the winter. I would not want it any other way. If you do not at least visit this area, you are missing out on the real California.[Comment on this Posting]
A great place to live - 1/1/2007
A great place to live if you like walking the beaches and looking at redwoods.
[Comment on this Posting]


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Hong Kong Half-Day Dolphin Watching Cruise
Look for the pink dolphins of Hong Kong on a 4-hour cruise in the waters of Lantau North, Southeast Lantau, Soko Island, and Peng Chau. Discover and…
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Risk appetite is the mother's milk of capitalism.
– Paul McCulley, Managing Director, PIMCO
If Wall Street were more like Sesame Street, this week would be brought to you by the letter "L," for layoffs.
Job cuts dominate the headlines. Sprint (NYSE:S) is gutting 8,000 jobs; Phillips (NYSE:PHG), 6000; Home Depot (NYSE:HD), 7,000. Caterpillar (NYSE:CAT) is axing a whopping 20,000 jobs. And that's just the tip of the iceberg.
On Monday of this week alone, Bloomberg reports, 77,000 job cuts were announced. 2009 is shaping up as a bloodbath – more than 150,000 pink slips have been handed out thus far.
And yet stocks are hanging in there, at least for now. This week's news of Pfizer's (NYSE: PFE) $68 billion buyout of Wyeth (NYSE: WYE)– the biggest pharma deal in close to a decade – shows that some areas of the market are still primed for making deals.
If markets always moved down on bad news and up on good news, things would be a lot simpler. But that's not how it works. Sometimes the market shakes off bad news and chooses to go higher. At other times, it's the good news that doesn't get any traction.
How to make sense of it all?
Behold the Accordion
It's a simple truth to say that markets move in cycles. Most traders and investors, though, don't have an intuitive sense of just how powerful that truth really is.
Take volatility, for example. You can get a snapshot of the volatility in a stock by looking at the ATR, or Average Trading Range. Over extended periods of time, volatility tends to expand and contract like an accordion. Things start out mild... then they get wild... then they turn mild and the cycle starts again.
The same is true of long-run economic cycles. If you step back and study market history, you can see how powerful a phenomenon this cycling affect is.
It's one thing to grasp the general concept of cyclical activity in markets over the years. It's another thing to cultivate a gut-level understanding of it. If you want to do this, two good books that come to mind are Money of the Mind by James Grant and Devil Take the Hindmost by Edward Chancellor.
The full title of Grant's book is Money of the Mind: Borrowing and Lending in America from the Civil War to Michael Milken. It's a big book. If you have an interest in credit cycles, you may well find it fascinating (as I did). If not, you might find it dry as dust.
Either way, it's very helpful to understand the nature of long-term credit cycles – the way credit flows tend to expand and contract, again like an accordion, over long periods of time.
Of Booms and Busts
The full title of Chancellor's book is Devil Take the Hindmost: A History of Financial Speculation. This book is more fun because it focuses wholly on panics and crashes.
Did you know that markets have been booming and busting ever since the days of Ancient Rome? If you read Hindmost, you'll get a better sense of just how entrenched these cycles really are. For the intelligent speculator, a grasp of market history is a powerful thing.
Market history is probably the most effective inoculation one can have against recency bias... the dangerous tendency to assume that the near-past represents the way things have always been and always will be. Anyone who marches boldly into the future without a clear-eyed understanding of the past is a candidate for being made a fool of.
Two Basic Variables
For most traders and investors, the trouble with top down, macro-level type analysis is how complicated it can get. When it comes to sussing out the big picture, the average observer has trouble knowing where to start.
When a problem is fearsomely complex, the best thing you can do is take Thoreau's advice: "Simplify, simplify, simplify." At the same time, though, one should remain aware of Einstein's advice: "Things should be made as simple as possible, but not simpler."
In your editor's humble opinion, it is a reasonable simplification to reduce all big-picture market movements down to the interplay of just two variables: credit flows and risk appetite.
Credit flows relate to the availability of capital. Remember the accordion concept? Over time, credit flows tend to expand and contract with great regularity. The markets move to an extreme... reversion to the mean kicks in... and then the pendulum swings to the other extreme, and the cycle reverses itself.
Don't be intimidated by the abstract nature of the term. At root it's all about borrowing and lending. For example, just think about how easy it was to get a mortgage or a business loan in 2006. The banks were literally giving money away, on ridiculously easy terms. Now the pendulum has swung so far in the other direction, even borrowers with perfect credit histories and wonderful track records can't get loans.
This cycle, writ large over the decades, is the cycle that leads to boom and bust in markets too. Another way to think of it is to imagine credit as a great flowing river. When times are flush and money is cheap – like when Greenspan lowered interest rates to 1% and held them there for over a year – the river gets wild and strong, threatening to overflow its banks. When times are hard – like now – the riverbed is cracked and dry. Once-mighty flows are reduced to a sickly anemic stream.
Risk appetite relates to "animal spirits" and the willingness to speculate. "Animal spirits" is the term John Maynard Keynes used to describe the willingness of investors and businessmen to go forth and make bold moves.
Again, risk appetite expands and contracts like an accordion over time. At the height of the most recent housing and credit bubble, you had speculators snapping up no-doc loan properties three or four lots at a time and private equity firms angling for leveraged buyouts in the tens of billions.
At one point, investors were "reaching for yield" so aggressively that shoulders threatened to pop out of sockets. Now risk appetite is so diminished that investors would rather own government bonds at zero interest than high quality corporates paying double-digit yields with a long-term default risk near zero.
The Market Quadrant
These two factors, credit flows and risk appetite, drive the entire market cycle. They are intimately linked. In a big picture sense, virtually all other factors can be distilled down to their impact on these two things.
This is a useful simplification because it helps us get a handle on the broader complexities. Trying to get a bead on a dozen variables is a real headache. Two variables, we can work with.
To create the "Market Quadrant" – which I have drawn on a piece of scratch paper below – all we have to do is look at the interplay of credit flow and risk appetite.
The Market Quadrant has four sections because there are four different "states" in which the two variables can exist.
For the sake of simplification, we are only focused on the directional trend of the two variables. Credit flows "up," for example, means that available credit is increasing, the accordion is expanding, the river is getting stronger, and so on. The same goes for risk appetite. The periods of transition – i.e. when credit flow peaks and starts to downtrend – are represented by transitions between the four states.
Now let's look at each of the quadrants in turn, so you can see how it works.
Quadrant I: Credit Flows up, Risk Appetite Up
Quadrant I is by far the most bullish state. When credit flows and risk appetite are increasing simultaneously, that is the time to be aggressively long.
The last time we saw Quadrant I conditions was after Greenspan took interest rates down to 1% and held them there for over a year. The super-stimulus from the Federal Reserve successfully staved off the after-effects of the dot-com bubble by inflating a new housing bubble. As money got cheaper and home prices sky-rocketed, the whole world rejoiced.
Quadrant II: Credit Flows Up, Risk Appetite Down
In Quadrant II, credit flows are still rising but risk appetite has peaked.
Wall Street tends to push everything too far. When the investment banks get hold of a good thing, they will whip it and drive it until the last dog dies. As valuations hit their peaks, risk appetite starts to wane even as the credit still flows.
We saw this in the late days of the private equity boom. In their rush to cater to Blackstone Group (NYSE:BX), KKR (KFN) and the like, banks had agreed to lend out tens of billions to the private equity kingpins on incredibly lax terms. By mid-2007, it was clear the private equity boom had peaked – as evidenced by Steven Schwartzman taking Blackstone public in the summer of 2007. That was the high in terms of risk appetite as smart players started walking away from the game... but it took the banks a little longer to wise up.
Quadrant III: Credit Flows Down, Risk Appetite Down
Quadrant III is raging bear territory. This represents the toughest combo of all – when credit flows and risk appetite contract simultaneously. In Quadrant III you get the double whammy as profits fall and loans dry up. Indebted consumers and businesses find it harder to make a buck as everyone pulls in their horns, and the once-virtuous leverage cycle turns vicious.
We saw the mother of all Quadrant III cycles in the second half of 2008. For the first time in living memory since the 1930s, credit flows and risk appetite vanished into thin air... leading to a graphically brutal result.
Qudrant IV: Credit Flows Down, Risk Appetite Up
Quadrant IV is the recovery period in which markets slowly begin to heal. It is here where bear markets run their course and the stage is set for a new bull.
To put it another way: if Quadrant III can be compared to Mr. Market falling down the stairs, Quadrant IV is the point at which he gets up and dusts himself off.
It is important to note that, in the aftermath of Quadrant III, risk appetite tends to return first. Animal spirits can creep back into the markets even as credit flows continue to look bad and the news continues to disappoint.
Why is this true? Simply because markets are forward-looking mechanisms. The stock market is meant to discount the future, not the past. So if things continue to look ugly here and now, but the forecast is for a clear general improvement six months from now, then equities can start chugging higher even as the headlines look bleak.
The $64,000 Question
And so, with the above in mind, here is the $64,000 question: have we made it to Quadrant IV or are we still in Quadrant III?
If we are in Quadrant IV, then risk appetite and "animal spirits" should steadily rise as the markets anticipate global recovery in the second half of 2009. If we remain in Quadrant III, however, then the lows in terms of credit and risk appetite (apart from index lows) have not yet been reached.
There is no way to answer this question directly, as certain factors are yet to be determined (like what the new administration does, for example, and how global stimulus efforts play out). But as we watch closely, we can take the Market Quadrant into account and adjust our trading and investing strategies accordingly.


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Welcome! I am the owner of www.etsy.com/shop/Mindiemay. We offer enchanting jewelry, hair accessories, bridal items, luxurious perfume oils,temporary tattoos, our Just Right Chunky TM clothing, screen printing, and more! All made in the Sierra Mountains, of Northern Ca. Here I share many secrets, including my weight loss story, jewelry tutorials, crafts, my award winning recipes, giveaways, and my recent breast cancer journey. Please join our weekly Anything Goes linky party.
Tuesday, December 27, 2011
Spicy Cider Martini
8 comments:
Pretty good post! I just stumbled upon your blog and wanted to say that I have really enjoyed reading your blog posts. Any way I'll be subscribing to your feed and I hope you post again soon.ReplyDelete
Yum! I hope you'll link up to our party going on now. http://herestohandyandy.blogspot.com/2011/12/pinteresting-link-party.htmlReplyDelete
This sounds great and I could go for one now! Love the new banner too :)ReplyDelete
Hi, Mindie. Your cider martini looks and sounds fabulous! Cheers!ReplyDelete
That sounds FABULOUS. I must make one.ReplyDelete
Looks so yummy!! I'm a huge flavored martini fan! :)ReplyDelete
Now we're talking! These look so fantastic!ReplyDelete
Happy New Year!
Kerry at HouseTalkN
Yum! This sounds great and easy to make - my kind of drink!ReplyDelete