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Skip to comments.Middle-Class Wealth Protection, Post-Fiscal Cliff
Posted on 12/02/2012 4:07:37 PM PST by betty boop
Middle-Class Wealth Protection, Post-Fiscal Cliff
By Jean F. Drew
I dont know about you, but Im a lifelong, middle-class working stiff who has managed to accumulate a certain modest amount of wealth designated to be sent to the future, to supply my support and lifestyle needs when I am old and no longer have employment income. Im speaking of my 401(k)s and IRAs.
The way I have assets deployed in these accounts very likely will need to change, given the absolutely predictable outcome of the much-hyped impending fiscal cliff. At least, that is my supposition.
Consider: We get the fiscal cliff if the GOP does not abjectly cave to every demand being made by this ersatz president: a tax hike on the most productive citizens of our society, to the tune of $1.6 trillion dollars over ten years; deficit reduction of $600 billion (all cuts being unspecified at this time); plus a $300 billion stimulus package for infrastructure investment. No interest in reforming entitlement programs, such as Social Security and Medicare, which are currently running at least $47 trillion in unfunded future liabilities. Needless to say, such a proposal does absolutely nothing to restore the exploding federal budget to anything remotely sane or within the ability to pay by the increasingly hamstrung (thanks to federal taxation and regulation, etc.) productive capabilities of our nation.
People are fooled if they believe 0bama only wants to tax the wealthy. Allowing the top tax rate to rise to 39.6 percent on the top 1 percent of taxpayers yields only about $86 billion dollars (over ten years). The federal government spends $86 billion on its current operations every eight days. So, how serious a deficit reduction proposal is that?
The middle class, meanwhile, thinks it will not be touched by tax increases in any way. But please do note there is a vast difference between the $86 billion that can be wrested away from the wealthy by means of a rate increase on the top 1 percent, and the $1.6 trillion in new revenues that the presidents plan proposes. Guess who gets stuck with paying the difference?
If the GOP fights the president over his insistence on raising tax rates, while showing no deficit savings in his proposed budget, then the president will blame them for hiking taxes on the middle class. For if the GOP holds the line, tax rates will rise on everybody, to the tune of about $2,000 per year per middle class household.
0bama doesnt mind this result in the least. So, what is the possible basis of any compromise between 0bama and Speaker Boehner? 0bama believes he wins either way, whether we go over the fiscal cliff; or have to live with some entirely unprecedented new reality designed to avert it.
Elections have consequences, as he likes to remind us. Since he feels he has a mandate, not only will he not back off; he will double down. As he has done to the extreme discomfort of the roughly half the American populace who did not vote for his reelection. The other half the morons who voted for him are about to find out what they actually voted for. I doubt they will like it.
For so many reasons, this last election was unprecedented, and of lasting historical significance, I daresay. Which brings me back to certain investment decisions I will have to make soon.
Making investment decisions necessarily involves making predictions about the economic and investment climates as they evolve in the future. It would be very helpful to me to know, as an investor, whether we as a nation are on an inflationary, or a deflationary course, mid- to long-term.
Two years ago, I was pretty much convinced that the future course was decidedly inflationary. So I put 20 percent of my investment portfolio into physical precious metals gold and silver U.S. Eagle Proof coins. Given the history of QE I, II, and III, plus Operation Twist, it would seem this was a good move: For when the Fed prints money out of thin air in order to buy totally crappy mortgage-backed securities, just to juice the money supply and the stock market in the short-term (coincident to an impending presidential election), then any sane person would have to say, there is something terribly wrong going on here. The effect is, We the People had our pockets picked to buy tons of crappy mortgage-backed securities. What value did we get in return? How did we get money out of nothing?
We didnt. We were mugged, and our wealth stolen perfectly legally, I hear.
Did you know that, at the time of the Federal Reserve Act of 1913, a U.S. dollar was worth exactly 100 cents??? But that now, 99 years later, that same U.S. dollar is worth exactly 2 cents? So much for the good stewardship of the Fed as the regulators of the money supply and, thus, of the value of money.
One saves for a lifetime, only to have his wealth SUBTILY, silently stolen in this manner? But where did the wealth go? Wealth is the by-product of human creative activity and, once created, it doesnt just magically disappear. It can only be transferred from one persons pocket to another persons pocket, by means fair or foul.
But I digress.
My investment portfolio is geared to inflationary conditions, what with the precious metals, and its around 70 percent commitment to equities; i.e., the stock market. Historically, on a long-term basis, both asset categories have been shown to be excellent performers in terms of the preservation and growth of the purchasing power of invested capital.
My late research, however, suggests that what we as a nation face is not inflation, but deflation. Massive deflation, on a 1930s depression scale.
If the recent activities of the Fed were the only determinative principle of the value of money, then, taken in isolation, we face an inflationary future. And my precious metals purchases are entirely warranted.
However, recently I have been drawn to demographic considerations, which may very well be the main driver of future economic developments, which the force majeur of Fed action cannot overcome.
The story goes this way: The Baby Boom (of which I am a card-carrying member) is the single biggest generation, demographically speaking, in the history of our nation. Roughly around the Clinton years, this generation was in the prime of its earning and spending capabilities: It could afford the big-ticket purchases that fuel the economy bigger houses or second homes, nice cars, lifestyle purchases of all descriptions, etc.
But as any generation ages, sooner or later, its spending on lifestyle needs declines in favor of saving behaviors. That is to say, Baby Boomer monies increasingly are being diverted from current consumption, to long-term savings designed to provide for a comfortable retirement.
In other words: This biggest generation is now in hunkering down mode. Their consumption is down. If their consumption is down, then the business enterprises that had heretofore catered to this demographic will lose customers. If they lose customers, they lose revenues; if they lose revenues, this will shrink manufacturing capabilities; if manufacturing capabilities are shrunk, then this necessarily entails less demand for commodities and labor.
Looks like a depression to me.
The generation following the Baby Boom is typically characterized as the Baby Bust. Comparatively, demographically speaking, there is not any comparable spending power to drive a flourishing economy in this demographic cohort.
And so, given the perfectly calculated ministries of Captain Zero and Friends, We the People are about to reap the whirlwind.
But we can all console ourselves with the truism: Elections have consequences.
Speaking for myself, Id rather experience death by a coup de gras, than death by a thousand cuts.
And so I say: The sooner this fiscal cliff is realized, the better.
Let the people actually see what they voted for. Let them feel the pain of it; for pain is surely coming.
And pain is often an excellent teacher.
And yet I must say, as a human creature, that I wish to avoid pain. To that end, my best friends are personal experience and lessons to be gleaned from human history.
Short-term predictions: No "Santa Clause effect" in the stock market this year. I am referring to the typical short-term bump in stock prices that more often than not follows Christmas most years.
This year, stock investors have a prime incentive to dump their holdings under the present tax regime (the so-called "Bush tax cuts") than wait 'til next year, when the rates will be much higher.
Look for a sell-off by year's end.
What could go wrong with that???
I'd love to hear your views, dear friends!
I am clueless, dear Betty, and am too poor to do anything. But, I love to read about all this stuff.
If I had any spare CASH, I would be buying (and taking personal possession of) silver coins, in various sizes. Probably what is commonly called "junk" silver, which you can buy in bags.
Obviously, you need to keep "fiat" paper on hand to pay bills, etc., but the rest - something that has true value.
vtinx 70%
vwinx 20%
vbilx 10%
In really bad times nothing is as valuable as a can of black beans, a bag of rice, a roll of toilet paper, water, tools, a toothbrush. All the basic things we take for granted will be invaluable if it really his the fan.
What could go wrong with all cash?
One word; inflation.
If I could I'd do some metals; however all my assets are in a 401k which does not have that option....
We've offset any baby bust effects with immigration.
target retirement funds (vtinx and others )did worse than the market in the 08 meltdown.
my 3 fund hold forever asset allocation
>>I'm going ALL CASH by year's end???
What could go wrong with that???
I'd love to hear your views, dear friends!<<
If by that you mean precious metals, you probably have a good plan. But, as always, diversify.
Just cash and bonds aren't making squat.
That is the best comedy, very funny
Our government has broken faith with us. One of the ways that it has done so is to corrupt our currency. By printing so much "funny money" that is mere paper, they undermine the value of money in circulation, including that in your bank account and 401(K). The dollar is no longer the store of wealth that it was two or three years ago and you can see this every time you visit the grocery store or gas up your car. With Obama doubling down on his failed economic policies, this situation will continue to get worse until reality intrudes in some dramatic way. The nly reason the dollar is holding up right now is that things are worse elsewhere.
This was the situation in Germany between WW1 & WW2. The Germans lost WW1 and were ordered to pay the allies reparations. They also had a lot of widows & orphans to take care from WW1. Since it was politically unpopular to pay reparations, the Germans just printed the money. The predictable result was a period of hyperinflation, which spawned politcal and civil unrest which gave rise to Hitler and the Nazis, who restored order by imposing a rigid socialism. The parallels with our situation today is sobering. Read "The Coming of the 3rd Reich" by
Here are a few things you can do to protect yourself:
Be nice to your kids - they may have to take you in.
Have a few friends you can trust and count on.
Have some precious metals on hand: this is an alternate currency that will hold it's value and may be a godsend at a critical time. During WW2, diamonds were a good and compact store of wealth and used by spies to bribe enemy officials. It often worked.
Stocking up on canned goods, guns, ammo, and drinking water is always a good idea. Like in many 3rd-world countries, outages and shortages may become commonplace. Stealing and street violence will also become more common. You don't want to be a clueless victim like the people in New Orleans Stadium after Katrina.
For the short term, meaning the next year or so, you might want to consider investing in energy and shorting all but the big industrial stocks. The government is making it difficult to do business and so the smaller and less efficient are bound to go under, but whatever happens, they are going to need energy and the Dow Big Boys have the clout and global presence to play along with mendacious politicians.
Work hard. As long as you can do a days work or have a valuable skill, the government and its agents will think twice about consigning you to a FEMA camp or designating you as a "useless eater" and making you disappear.
Make your peace with God - now, today - don't wait. The world is unraveling and the time of tribulation and return of Christ is imminent. Read Revelation Chapter 13 for a preview of what's coming to a neighborhood near you.
I would welcome your thoughts.
If the Kenyan wins a one party rule in 2014, he is going to nationalize 401ks and replace real value with worthless treasuries.
Then all the prissy libertarians will see that winning is better than being dickheads.
Give them nothing but the ashes of a past consumed by fire. For that is their future and their sustenance.
Pay off all debts, such as your home mortgage and credit card debt. This has a guaranteed rate of return equal to the interest rate you were paying.
You could diversify by buying nearby real estate to rent out. Real estate prices I expect will plunge in January when the Medicare surtax and higher income taxes kick in.
Stocking up has some value. A cache of canned meat, bottled water and valuable trade goods that you too will consume is invaluable, since it is both a form of savings and protection against disaster.
I know people investing in lead (bullets / guns), but I don't know if that is a bubble about to burst.
thats ok ytd avg rtrn for me is 6.4 I ll take it
401k, I am still a long-term retirement investor, where I think my dividends are re-invested tax free, and its one way to beat inflation. One family of funds had a mining company option, and from one thing I learned, own the thing that owns the thing.
scuse me total rtrn for me 6.4
I think my dividends are re-invested tax free
they are
Illusory, all of it.
The Marxists in power will never rest until all assets are the property of The State.
On one pretext or another, and usually under the rubric of "the good of the people," The State will slowly but inexorably seize all assets until everyone is dependent on The State for the necessities of life, at which point The State insures its hegemony on political power forever.
This reality is currently striding down main street with a neon sign on its head, but few amid the hungering mob choose to see it amid the glories of government handouts.
in a total economic collapse the most valuable commodity will be ammunition, not food, not gold, not guns , not nothing else.
the police will not be any help and civilization will disentegrate into chaos
Paying off debt when great inflation is coming is a foolish thing. Wait until you can pay back $1 of debt with a dollar that is only worth $0.25. Pay off all debts, such as your home mortgage and credit card debt. This has a guaranteed rate of return equal to the interest rate you were paying.
I think owning rental property is a good move. Inflation is your friend when you are renting living space. And, you get to pay back the mortgage with inflated dollars again.
I, personally, have benefitted greatly from inflation, both as a homeowner and as owner of rental properties.
Some stocks do well in inflationary times, some not so much. About all one can say for sure is that stocks beat money in a bank account over the long term.
I thought it was $86 Billion/year??
The repayment of debt in devalued currency requires you to have large amounts of the devalued currency. Since high inflation tends to cause higher unemployment, I'd rather own my home outright than worry about having the money to make the monthly payments. And if inflation is high, even a slightly higher pay check may be stretched just to cover food, utilities and a few necessities.
then again you have govt workers of all stripes, who never gave anything for most of them into their fat defined pension plans....MAKE THEM FIX THAT PROBLEM FIRST~
All my investments are in an IRA and a 403B, and it's almost two years until I'm 59 1/2 so I cannot merely 'dump' them now without paying a big penalty and taking a tax hit. It's too bad there isn't more content to this article regarding people in my position, since the author goes on about baby boomers quite a bit.
What could go wrong with that???
Investment-wise, seems to me we baby boomers will make certain businesses solid for the next 20-30 years: retirement homes, assisted living homes, skilled nursing facilities and funeral homes.
Convert to assets that hold their value:
1. Precious metals (primarily gold coins)
2. Good quality rifles and handguns
3. Fertile land
I also recommend stocking barterable items such as tools and seeds, and if you can store it safely and securely, bulk propane and gasoline.
(( ping ))
I'm buying me a 'Brown Coat'.
Communist Obamanation File.
BTW IMHO, the Obama Administration is ONLY interested in achieving the REVENGE of the late Communist Party Member Frank Marshall Davis, Obama's Uncle/Dad Frank.
My late research, however, suggests that what we as a nation face is not inflation, but deflation
What he doesn't address is confiscation.401's and IRA's nationalized to prop up Social Security. It is on the table
I don't think the poster was referring to cashing in the retirement funds, but rather going to all cash. You can certainly buy money market funds in these accounts.
A research firm I much admire suggests that what we as a nation face is an impending "roller coaster ride" of first, a massive asset deflation (read, collapse of equity prices), followed by a vicious hyperinflation.
This seems to stand to reason; for whether or not any "compromise" is reached between the House Republicans and the president, we're still going over the fiscal cliff. That's because, among other reasons, no proposal addresses the critical need to cut real government spending the proposals only modestly slow the future increase in spending. If the president gets what he wants, we'd still be experiencing trillion-dollar annual budget shortfalls as far as the eye can see.
They're still "kicking the can down the road" vis-a-vis the Social Security, Medicare and Medicaid programs which are conservatively estimated to be running $47 trillion of actuarially determined unfunded future liabilities, and (surprise, surprise!!!) NO MONEY in their respective "trust funds" to pay for them.
To my way of thinking, the president's plethora of new taxes, including excise taxes on investment, real estate sales, plus the application of the AMT with a vengeance to a vastly larger pool of taxpayers (with retroactivity to 2012 income), etc., etc., will have a devastating impact on economic activity. People are being systematically looted by the government first, by taxation, and second, by the devastation of the value of the U.S. dollar by Bernanke's money-printing operation e.g., "QE Infinity." Hyperinflation makes us poor, but it allows the government to pay off its obligations with cheaper dollars.
But impoverish the people this way, and you have less discretionary money, less demand, in the overall economy. Businesses may well retrench against this background, cutting payrolls, production, etc. It's "a perfect storm" in the making.
Figment, you are absolutely right about the threat to the private retirement assets of the American people the 401(k)s and IRAs, 403(b) plans, etc. I recently read that there are a couple-three trillion dollars sitting in such accounts all privately held (which is anathema to a socialist!). There are politicians in Washington right now who are simply licking their chops over the prospects of getting a piece of this action....
So, I did somewhat exaggerate my decision to go "all cash." I continue to hold precious metals (gold and silver). However, I am withdrawing from stocks for a while. I do expect a sell-off by year's end, as investors take their profits at this year's lower tax rates.
Anyhoot, I fully expect that "2013 is going to be a wild ride." I cannot predict the future with any great specificity, though roughly next year looks like a return to recession to me (maybe even a worse one than the 20082009 recession). But inevitably, the effects of the Fed's Qualitative Easing (limitless increase in the printing of new dollars) cannot fail to be hyperinflationary before too long.
Inflation: the "hidden tax," the cruelest, most universal tax there is.
Though 0bama assures us he's "helping the middle class," which is why he has to "ask" the "rich" to pay their "fair share," the fact is We the People at all income levels, of whatever financial condition, are being systematically looted by the federal government. It's that simple. One has to do what one can to try to protect one's self.
Thanks so much for your astute observations, Figment!
Yes you are right, Mike Darancette! I stand corrected.
Either way, that number is just a teensy drop in the vast ocean of unpaid (and I'm beginning to believe, unpayable) federal liabilities. There isn't enough money in the entire world to pay off the promises the American political class has made to the American people.
And evidently, we're just too stupid to realize this. And so, having reelected the criminal to office, we get to join the ranks of the PIIGS, and experience the wonders of the ensuing social chaos.
Have you considered that the interest rate you're paying will shortly be less than the rate of inflation?
This is just my opinion, obviously. And what I think doesn't necessarily apply to everyone, because everyone's situation is different.
My belief is that economic collapse doesn't look like Mad Max, it looks like a third world country past its prime. Which means to the naked eye, everything looks normal, it just isn't. People have short memories, and they adjust, and your kids or their kids grow up thinking this is how its always been. Particularly if they are public school educated, they will accept a view of why things are the way they are that is simplistic and wrong, but they won't care to think past it.
1. I think its important to have your house paid off. If you are in reach of it, I would consider cashing out a 401k to finish paying it off.
2. If you are upside down, or you owe more than what your 401k could pay off, you might consider cashing out to buy a small house that you could conceivably pay cash for. If you live in an area that is high-priced, you might look at buying in an area that is cheaper with the idea of owning it mortgage free (like trading the north-east for a place in the south-east).
I don't like the idea of walking away from a mortgage you took on in good faith but at some point you may have to. If possible you need to own your home outright even if its a smaller one in a smaller town.
3. More and more I like the mormon idea of a year's groceries in the basement. I like to watch the prepper shows, and they usually show rather nutty people doing what they do for its entertainment value. But you don't have to believe in imminent nuclear war to prepare. For me, its an easy question. If you lost your job today, how long would it take to find another one? Thats how much you need in your pantry.
4. Friends and family have to stick together to help one another through. Probably, you wind up being the one everyone else relies on, so you have to expect that whatever you have for yourself, you'll need a little more to cover the odd niece or aunt that winds up on your doorstep. But being that person puts you in position to ask a favor from time to time too.
5. Others have pointed out that in hard times it gets hard to buy a house, which oddly enough makes rental property more valuable. In collapsed economies people have oft times rented out their primary dwelling and moved into a smaller one or with relatives. Owning a piece of rental property isn't for everyone and isn't even an option for everyone, but if you are handy and can deal with the problems that go with it, it could provide an income when you have no income.
So, again, you have to make a judgement. You might consider using your 401k to buy a piece of rental property if you can pay cash. If you don't have a good handyman in the family, though, you could wind up with more problems than you want. Its just something to consider.
I'm not so sure about holding cash if that cash is losing value. I know, some say we're headed for deflation, others for inflation. Flip a coin. I like having your money in several places if you have the money (including stocks) precisely because you don't know which way it will go. But have the basics covered first which means house and hard assets. I wouldn't try to outguess the market until you've covered those first.
It doesn't take a world-wide systemic collapse to bring you to the brink. It just takes losing your job in a market where you can't find another one. In my opinion, all this talk about the "cliff" is nonsense. We already ran off the cliff.
"But impoverish the people this way, and you have less discretionary money, less demand, in the overall economy. Businesses may well retrench against this background, cutting payrolls, production, etc. It's "a perfect storm" in the making."
This is already happening, plus businesses ( and horror of horrors, academia) all see the handwriting on the wall with respect to Obamacare and are taking anti-recovery steps to make sure they don't have to pick up the tab.
Also as Figment mentioned, the RATS are salivating over all the "private money" in 401k's etc. Left to their own devices, they will "steal" these monies, give the "owners" a piece of crap annuity that will give us a pittance back, spend all the money, and leave us with Social Security II (another bankrupt government program). They will crank up the "death panels" to try and "off" the recipients to minimize their "exposure."
If you wanted to devise a system to make bums out of a once productive society, you could not do better than what's being attempted now.
Just hope the nutless House GOP grabs what's left in their crotches and stands up against this assault on our lives and liberties.
I'm a Dave Ramsey fan. We've simply focused on paying off debt, since it has a great return if we have deflation and reduces our risk in case of layoffs.
Well, that's one way to get the Medicare/Social Security systems back "into balance." The "death panel" to which you refer is the IPRB the independent payment review board a collection of some 14 or 15 presidential appointees, who may or may not be doctors or other medical professionals that is to say, a gang of folks who weren't elected by the people they supposedly serve, who are answerable to nobody but the president.
0bama's chief healthcare theorist Ezekiel Emmanuel, brother of long-term presidential buddy Rahm Emmanuel, now mayor of Chicago articulates the "ideological" underpinnings of the "complete lives" theory which will likely drive IPRB decision-making as to what health care expenditures will be allowed, and for whom. It is completely clear from this this article that health care rationing particularly WRT elderly citizens is precisely what we're talking about here.
In short, if you're 25 years old, with your "future ahead" of you, you get full-boat coverage. If you're 65 or older the Medicare cohort you must realize that you have already lived a substantial portion of your "complete life," and are therefore less worthy of consideration for Medicare reimbursement than a person half your age.
Not for nothing is the IPRB accurately described as a "death panel."
Dear vette6387, you wrote:
If you wanted to devise a system to make bums out of a once productive society, you could not do better than whats being attempted now. Just hope the nutless House GOP grabs whats left in their crotches and stands up against this assault on our lives and liberties.I couldn't agree with you more.
Thank you ever so much for writing!
Logic without morals would show that bumping off the baby boomers who are no longer paying taxes will help to balance the budget. I pray the death panels will be staffed with moral people and the economy improves so this grim possibility never happens.
Ten years ago, in addition to our home, we had about 50% of our savings in stocks, 40% in money markets and other bank accounts, and 10% in precious metals. Today we have purchased a small piece of farmland with some of those funds (representing 20% of our savings), we have 10% in stocks (in IRAs), 20% in money market funds, and the remainder (about 50%) in precious metals -- gold, silver and platinum. Years ago, I would have thought that allocation foolish, even radical. I no longer do.
The mere fact that the Dow is at roughly the same level that it was five years ago, before the economic meltdown, and before the amassing of the Obama administrations trillions in additional debt, the fact that the tax climate for business and manufacturing is more bearish than it has been in decades, and the fact that our energy and natural resource sectors are being handcuffed by regulation, tells me that being in the market at all at this point is very dangerous. The irrational exuberance of several years ago was nothing compared to the unrealistic levels of the markets today.
In addition, we are spending some of our savings in order to become more 'independent'. We upgraded our generator system, installed another 1,000 gallon underground propane tank, installed a hand pump on our well, installed a wood-burning stove in the basement, and, this spring, will be installing a geo-thermal heating/cooling system.
In addition to protecting one's life savings, we believe it is also important to become as 'independent' as possible as regards energy and natural resource allocation.
When we sit on our porch and look at our home and land, and consider the forty-plus years we have worked and sacrificed, it angers us more than words can describe to realize that our own government covets all that we have sacrificed to attain, and they not only seek to confiscate much of it, but they also believe they have the moral right to force us to share it with others whom they (not we) deem to be deserving to benefit from the fruits of our lifetime of labor.
Most conservatives feel the same way -- and I am sure there are many others who will be hit much harder than we. The bottom line is that the evil that is represented by this government is unprecedented in the history of our republic. And the fact that that evil is sending good, decent, hard working patriots scrambling in order to be able to hang onto at least a portion of the material results of a lifetime of honest work is despicable beyond description.
Best to you and yours, dear betty. There are troubling times ahead ...
~ joanie
One possible explanation for the Dow to be "at roughly the same level that it was five years ago" is that the Fed has been "juicing" the money supply, via its Quantitative Easing operations (that is, they're just printing money like there's no tomorrow). Arguably this has had the effect of boosting the stock market to make it look "good" in the run-up to 0bama's reelection.
According to Mike Burnick, an associate of Weiss Research,
During QE I for example, the S&P 500 rose 50.8 percent and the broader CRB Commodity Index soared 27.9 percent on the belief that massive money-printing would inflate new asset price bubbles.With each successive Quantitative Easing, there's been "less bang for the buck" in terms of juicing stock market averages. Now that we have QE III a/k/a QE Infinity [because this time, there is no end date on it], it appears the Fed is desperate to make things look better than they are for the stock market, and economic performance generally.
Meanwhile, the 10-year U.S. Treasury note dropped 5.3 percent and the dollar slid 6.4 percent.
During QE II, investors witnessed a similar, but more-muted response. Stocks rose 26 percent and commodities rose 26.5 percent while Treasury bonds slipped 3 percent.
But since QE III was announced on September 13, 2012, the results look quite different so far. The S&P 500 Index is DOWN 3.4 percent ... 10-year U.S. Treasury notes are UP 1.5 percent ... And the CRB Commodity Index has slipped 7.3 percent.
Once upon a time, the Fed was created by Congress, by the Federal Reserve Act of 1913, in which Congress conceded its Article I, Section 8 obligation to "...coin Money, [and] regulate the Value thereof...." to a wholly unaccountable new public institution.
I wonder: Is it constitutional for Congress to divest itself of a DUTY placed on it by the Constitution itself in the first place? If the Framers had wanted U.S. monetary policy conducted by an institution totally unaccountable to the People, they would have written the Fed into the Constitution. Rather, they left such matters mainly to the People's House, the Congress. ALL revenue bills must arise there in order to be lawful. But every single dollar of revenue has been depreciated each and every year, as if systematically, by the Fed itself.
Consider: a dollar worth 100 cents back in 1913 is worth 2 cents today. What on earth could it possibly be worth, after QE I, II, and III?
Dear Joanie, your precious metals position does look a tad radical. The 50-percent-of-portfolio allocation exceeds the "normal" guideline for long-term investors in more or less "normal" economic conditions: 20 percent (which is about where I am).
On the other hand, these days we are not in "normal" economic conditions at all.
Interestingly, it has been observed that gold always shows up "at the crisis points of history" times when monetary systems and governments collapse. Historically gold and other precious metals have tended to be excellent stores of real wealth even in times of crisis.
But here's a caveat: Because it was the "wealthy people" who bought gold to "store" their wealth, so to protect themselves during periods of economic crisis, Franklin Roosevelt confiscated all privately-held gold in 1932, by demanding (on pain of criminal prosecution) that all privately-held gold be surrendered to the Treasury at the conversion rate of $32/ounce. Why did he do this? Some observers say: Because he wanted all Americans to "share the pain" of the economic debacle of the 1930s equally; he thought it "undemocratic" that some might escape the pain because they had providentially laid up some solid independent means to get through bad times. [Plus the gold then became the property of the U.S. Treasury.]
If a socialist like Roosevelt could resort to a massive wealth expropriation of the American people such as this, why would we expect a radical Left Progressive like 0bama to pass up on a like opportunity now?
Dear sister in Christ, probably your best assets are your home and the farm land!
But it is my gloomy duty to remind you that ownership in land depends on security of contract. Yet at a time when our ultimate contract the federal Constitution is itself being thoroughly trashed, on what can we reliably depend as the basis of contract law? Plus there's also the risk of being expropriated by the IRS or even the local water-and-sewer board if you don't pay your requisite taxes, timely.... Or interventions by the EPA to tell you what you can and can't do with your own private property....
Lots of "moving parts" here!
Sigh, I'll just leave off, for now.
Thank you ever so much, dear sister in Christ for your (as ever) penetrating and gracious essay/post!
May God ever bless you and your dear ones, and hold you safe from harm!
Not to be over-looked is COPPER.. Copper ingots..
When gold, silver and platinum is seized.. copper may still be allowed..
An option that should be understood..
Fascinating. Depressing, but fascinating. Thank you so much for sharing your insights, dearest sister in Christ!
Not if it starts getting used.
Great observation, dear 'pipe! Thanks!
Oh, I so agree dear brother marron!
You wrote:
... to the naked eye, everything looks normal, it just isnt. People have short memories, and they adjust, and your kids or their kids grow up thinking this is how its always been. Particularly if they are public school educated, they will accept a view of why things are the way they are that is simplistic and wrong, but they wont care to think past it.0bama is counting on this.
BTW, I'm taking you up on your "advice": "I think its important to have your house paid off. If you are in reach of it, I would consider cashing out a 401k to finish paying it off."
I've been thinking about doing precisely that. But you have persuaded me to actually do it. :^) That, and to pay off all my debts which, fortunately, are not very large.
Thank you for your outstanding analysis, dear brother in Christ!
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
quote LeoChanread moreBayonetta
quote AgatioGanonread morequote AguaI totally...There are far more important and better characters than this.
There are far more important and better characters than this. read more
they should press this on vinyl read more
quote FoneBoneFan15read moreSo in this picture, the first CD is Banjo's color, and the second CD is...
He was only 55. He seemed so youthful, vibrant, and exciting.
If there's one thing we can take... read more
It's amazing to think of how something as simple as an intelligent horse can make a game feel a lot better read more
A4Z7JL3K7WS7UGTY read more
I was bored, so I stopped by multiple gamestops today and picked up some codes. So if anyone needs... read more
never got my demo code : read more
quote MidnightXSread moreSo ORAS, Mockingjay Pt. 1, and SSBU on the same day? Sweet. Now I just need to buy...
that's sick read more
If anyone is knowledgeable about this and ps now.
How does streaming older generations games work?
So in comparison to the XL, they are smaller but screens are the same size? read more
quote Captain Nerdituderead moreThe guy who did the music for Wild Arms is helping compose for Smash Bros?!...
battle chip challenge wasnt that great, the other games however read more

subset: commoncrawl


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Saddle Up #3 - HotHouse
Models: Brian Bonds and Ryan Rose
Film: Saddle Up
Studio: Hot House
Brian's hard cock bobs in the water of his outdoor bath. Checking to make sure he's really alone, he starts playing with himself, stroking his thick cock just above the surface of the water. That's when Ryan suddenly walks into the yard. Brian is startled, but Ryan assertively whips out his big, long cock and guides Brian's lips all the way down the shaft. Having a dick in his mouth gets Brian even hornier, and he shows it by stroking his own rock hard cock. Ryan's not going to settle for just a blowjob; he positions Brian for a rimming and goes to town. Ryan's hands tightly grip Brian's ass, leaving pink imprints behind. All revved up and ready to fuck, Ryan penetrates Brian's hole. Ryan's topping is focused and intense, and the two muscled studs sweat in the summer heat as they grind themselves together doggie style. But one position isn't enough: Ryan sits on the edge of the tub with his throbbing cock straight up in the air, and Brian sits down on Ryan's cock, riding it up and down until Ryan's ready to unleash a torrent of cum all over Brian's face.


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Domingo Garcia Wants to Be LULAC's President, but LULAC is Suing to Stop Him
Domingo Garcia
Sometime last month, Domingo Garcia launched his bid to become the next president of LULAC, the nationwide Latino civil rights advocacy organization. He started a campaign page on Facebook on March 8 and sent an open letter to the group's members at about the same time.
"Today LULAC is at a political crossroads," he begins, going on to enumerate the problems facing the Hispanic community: failing schools, attacks on voting rights, Congressional resistance to comprehensive immigration reform. "Our opportunities are ... under threat in the legislative and legal systems with a tone of intolerance, of bigotry, and un-American political attacks that pose serious problems."
To cope with those challenges, Garcia writes, LULAC needs a "visible, articulate, and assertive president," someone who can expand the organization's reach, foster ties with the business community, labor groups, grassroots activists, and reach out to young people. They need someone with the backbone to stand up to states who attempt to "scape goat (sic) Latinos and use us as political pinatas."
The one person who embodies all those qualities? Why, it's Domingo Garcia! He urges members to support him in the election of national officers, slated for this summer in Las Vegas.
Upcoming Events
But Garcia's candidacy, not even a month old, is already ginning up controversy. On Friday, a day after the group says it learned of his candidacy, LULAC filed a lawsuit in Dallas County District Court demanding that Garcia be declared ineligible.
The group claims that, although Garcia paid lifetime membership dues in 2006, he hasn't been an active member of any of LULAC's local councils. Because the organization's constitution requires national officers to have been a member of a local council "in good standing for at least three consecutive years at the time of his or her election," the group contends that Garcia's election "threatens the organization's identity and the presidency's legitimacy," according to the suit.
(Note: If the chapter's website is accurate, he's currently the president of LULAC Council 102. The lawsuit insists that this wasn't the case in 2012.)
We've left a message for Garcia and will update when we hear back.
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text: 6:00 p.m. Exhibit Opening, Wilson Library, 4th Floor 7:30 p.m. SCOTS Concert, Historic Playmakers Theatre Visitors can rock through the history of Southern Culture on the Skids, the "legendary bards of downward mobility," with a new exhibit at Wilson Library. Lard Have Mercy! 30 Years of Southern Culture on the Skids will be on display on the 4th floor of Wilson Library until August 31, 2014. The exhibit is free and open to the public. To celebrate the opening of…Find out more »


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While there is a lot of concern over the security of IT equipment within the enterprise, the landscape of networked computing devices is still much more diverse than people realize.
In fact, a new survey of 15,000 IT and business professionals conducted by Mocana, a provider of security software for embedded systems, finds that while there is more awareness of these issues than ever in the wake of some high-profile attacks such as Stuxnet, most IT organizations are not doing a lot to protect these vulnerable systems.
As a result, most of the survey respondents said it's only a matter of time before something major happens in their industry.
Seven Sexy Smartphones This latest batch of smartphones calls attention to glasses-free 3D technology, front- and rear-facing cameras and Snapdragon processors.
Why IT Projects Fail Recognize the early warning signs of imminent project failure.
2011 Salary Negotiation Tactics Experts offer key pointers on approaching the subject of salary as the economy evolves in 2011.
Related Topics : Unisys, Stimulus Package, Security Breaches, Symantec, Electronic Surveillance
When phone calls, video conference information, pictures, chat logs, etc. are all stored in a central location via social media, a potential hacker has access to just about everything, quickly and easily. ... More >>
Unearth the real story behind five commonly held myths about distributed denial-of-service attacks. ... More >>
IT security ultimately depends on making sure employees use the appropriate tools and comply with policies designed to protect them and their data/applications. ... More >>


text: Guys, can anyone let me know what sort of price resurfacing the block of my Astra would be. This is a continuation of previous posts, to recap head gasket went was fixed, went again 1 week later went back to garage found prob was a crack in the block, quite bad, a lot of corrosion and it looks as if it has blown a part of it out. I've had the car since May and the garage reckon it has been going for a while, I've been losing water since I've had it and I let the garage know at the time but I'm thick......don't know anything about engines and took there explanation. Anyway, what sort of price will I be looking at, any ideas?


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Our Mission
The mission of All Saints Catholic School is to nurture the love of God already present in each child and to become a community of learners guided by our Catholic tradition.
All Saints Catholic School (ASCS) is proud to offer the Alpena area a Catholic/faith based educational institution. ASCS is a Catholic school representing the Catholic Community of Alpena. Catholic education has been in the Alpena area for over 100 years and we are happy to be able to continue on the tradition.
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"Train up a child in the way he should go, and when he is old he will not depart from it." Proverbs 22:6
This is a duty many parents find difficult to fulfill in today's society. We teach our children Christian morals and encourage a relationship with Jesus both at home and at church, but often more assistance is needed.
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I saw Cady Heron wearing army pants and flip flops ... - quote from Mean Girlsby AllieR
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Army Pants and Flip Flops based design -
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- quote from the movie Mean Girls


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Tax Tribunal
Yaseen Khan successfully represents the Appellant at the first tier tribunal (tax chambers) who was appealing against a decision made by the Director of border Revenue.
Public Law
Richard Doman successfully represented intervener in public law proceedings following a 40 day fact finding hearing, none of the facts were found against the intervener.
Criminal Appeal
Daniel Bunting was successful in the appeal against conviction following a guilty plea, where the previous representative had been referred to the SRA due to the advice given.
Civil Appeal – RTA Credit Hire
Cheryl Reid successfully represented a claimant in a high value case where his claim for credit hire was wrongfully refused. On appeal he was awarded the entire figure claimed by the credit hire company.


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Mining companies can "move in and begin drilling" in a large area of South Australia previously off limits to most exploration, the State's Premier Jay Weatherill says.
The Federal Government has put access arrangements in place for the Woomera Prohibited Area in SA's north, a zone the size of England thought to hold more than $35 billion in mineral wealth.
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The State Government says the WPA and the surrounding area are thought to contain nearly 80 per cent of the nation's uranium and more than 60 per cent of Australia's copper resources as well as significant deposits of iron ore, gold and other minerals.
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"We all know how prospective Olympic Dam is, well if that is the elephant then we will find the herd in the WPA," he said.


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It is located steps from the junction of Bangla Road and Rat U Thit Road, a few minutes walk from the Jungceylon Shopping Mall.


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Is ther any way to protect variables used in a SKILL procedure, so that it doesn't get changed by any other procedure? Making private using let/prog is a get around. Is there any way to do the same for globals too? Like attaching a set of variables to a set of processes, so that only those procedures would be able to change them.
Maybe the documentation helps here "SKILL Language User Guide",
Chapter 10 "Delivering Products", Section "Protecting Functions and Variables".
In reply to berndf:
Also, you might want to take a look at the chapter in the same manual on SKILL++ (two chapters - "About SKILL++ and SKILL" and "Using SKILL++"). This covers how you can create closures and packages to hide functions and variables - essentially make private variables which are shared between several functions in a lexical scope.
This is the way I tend to do this kind of thing rather than relying on write protection.


text:
ICWG III/VII: Pattern Analysis in Remote Sensing
Our Mission:
ISPRS Inter Commission Working Group III/VII aims at closing the gap between remote sensing and computer vision in pattern recognition and image analysis. We want to foster the introduction and adaption of new methodologies and algorithms of pattern analysis into the field of remote sensing. In extension to the addressed fields of working groups "Image Sequence Analysis" (WG III/3) and "3D Scene Analysis" (WG III/4) we aim to consider as well log-term processes, differential scales, and active and hyper spectral sensors. Whereas radar remote sensing is already addressed in commission VII, we aim to enrich basic data from InSAR like surface and motion with semantics. In contrast to data fusion strategies addressed in working groups of commission VII in our working group the fusion on the level of objects and patterns will be focused.
To this purpose, the WG organizes workshops to exchange the latest developments in pattern analysis in remote sensing. Furthermore the WG provides links to publicly available datasets and international comparative tests. Finally, the ICWG will continue to work closely with Working Groups of Commission III (WG III/3, WG III/4) and Working Groups of Commission VII.
Working Group Officers:
Uwe Stilla
Stefan Hinz
Jie Shan
Ludwig Hoegner
Terms of Reference:
- Automatic identification and learning of 2D and 3D patterns in uni-modal and multi-modal remote sensing data, e.g. multi-scale aerial and satellite data; multi- and hyperspectral data; SAR-, radargrammetric and SAR-tomography data
- Automatic identification and learning of temporal patterns in remote sensing data, e.g. image-based flow estimation and learning from InSAR data (traffic, glaciers, currents, etc.); analysis-by-synthesis approaches for motion and deformation modeling with passive and active sensors
- Integration of radiometry and radiometric models into pattern recognition; radiometrically enhanced object models for range-intensity images and sequences; integration of SAR-simulation into SAR-image and analysis


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Information & Events
Established in 1856, Burberry is a British brand with a heritage of innovation, craftsmanship and design. Based in London under the direction of Chief Executive Officer Christopher Bailey, the brand has a global reputation for functionality with a unique British sensibility. The company began with the invention of gabardine, the weatherproof fabric patented by Thomas Burberry, who later designed the trench coat, which retains its iconic status today.
Burberry outlet store is in Woodbury Common Premium Outlets located on 498 Red Apple Court, Central Valley, NY 10917
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Shopping hours
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text:
Once a Cigar Maker
Men, Women, and Work Culture in American Cigar Factories, 1900-1919
Patricia A. Cooper charts the course of competition, conflict, and camaraderie among American cigar makers during the two decades that preceded mechanization of their work. In the process, she reconstructs the work culture, traditions, and daily lives of the male cigar makers who were members of the Cigar Makers' International Union of America (CMIU) and of the nonunion women who made cigars under a division of labor called the "team system." But Cooper not only examines the work lives of these men and women, she also analyzes their relationship to each other and to their employers during these critical years of the industry's transition from hand craft to mass production.
"In her admirably researched Once a Cigarmaker, Patricia Cooper weaves a fascinating tale about the three-way relationship that developed between new technology in the cigarmaking industry, and its impact on both the older generation of skilled, male cigarmakers, and on the unskilled immigrant women who replaced them as the major labor force in the trade after the First World War. . . . [This book pushes] back the boundaries of our knowledge at the interface between institutional labor history, cultural analysis, and the social history of work in a fresh and original way."--Reviews in American History
"Among the best studies we have to date of shop-floor work traditions for both men and women. It is a powerful analysis of work, gender, and the union movement that insightfully moves us beyond simplifications about craft union elitism and sexism."--Journal of Social History
"Subtle, incisive, and original, Once a Cigarmaker has broken new ground at the intersection of business, labor, and women's history."--Business History Review
"This fine study, spiced with humor rare in social history, provides a provocative argument and good reading."--Oral History Review
To order online:
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(800) 621-2736 (USA/Canada)
(773) 702-7000 (International)
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Nathan Michael Corzine
Ethelene Whitmire


text: The The End of Spider-Man! wiki last edited by pikahyper on 07/18/13 06:01PM View full history Word has spread around that Spiderman is a weakling who runs from a fight. This has happened just after Spiderman decided to duck out of a fight with the Green Goblin, when the Human Torch showed up. J.J.Jameson is very happy that the menace, Spiderman is at last being publicly disgraced. He goes over to Ms. Betty Brant to express his joy, but finds her in tears. She informs him about Peter Parker's aunt's sickness and tells him that she is upset. Then she goes away and is secretly angry with Peter because of his recent nuiscance at a party. Here, Peter is desparately trying to find some quick money. He tries to make his name at a comics department but is ignored. Then he tries to sell his web formula at a chemical factory, but is scorned due to its non-permanent nature. On the way back, he runs into Sandman. Sandman gives him a tough fight. Spiderman ends up exposing his face while trying to save the people from falling debris. He runs away to protect his identity and people scorn him once again. Flash Thompson desparately tries to clear Spiderman's name. He dresses up as Spiderman once again. This time he comes across a bunch of carjackers. He finds himself in serious trouble when they attack him together. The police arrive in time to save him, but he ends up with minor injuries. Peter Parker dumps his Spiderman suit out of frustation. Even Betty Brant ignores him. But Aunt May's words move him. She is sick, yet she still wants to be independent. Peter understands his responsibility and digs up his Spiderman suit once again. Spiderman lives! Spiderman runs into Sandman outside a building. The fight gets inside the building, where confined spaces prove to be a disadvantage for Spiderman. Yet still he manages to hold out his own against Sandman. He picks up a big vacuum cleaner and sucks Sandman inside. Next he shoots some photos to sell and lugs away the vacuum cleaner to the police station.


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Recap: 'American Idol' - The Top 24 is Revealed
Last night, "American Idol" revealed the first seven members of the Top 24. That leaves 17 open slots to be filled over the course of only one hour on Wednesday (Feb. 17) night. How will "American Idol" possibly be able to fit in all of the excitement?
And who will join Didi Benami, Michael Lynche, Aaron Kelly, Katelyn Epperly, Lee Dewyze, Todrick Hall and Casey James in the Top 24?
This is the final judgment. And this is "American Idol." After the break...
9:01 p.m. There may not be any time tonight for four-minute programming blocks and seven minute commercial interruptions of the sort we were treated to last night. There are also only 17 slots remaining and man, many, manny people waiting nervously.
9:02 p.m. No one was feeling shakier than Janell Wheeler, Ryan Seacrest tells us. Why is that? Does she have low blood sugar or something? I thought Janell was terrific in her first Hollywood Week solo performance, but we learned last night that she wasn't as good in her final solo performance. So far, Janell feels like the weak spoke in the Lilly/Didi/Janell/Crystal wheel. Will she still make it into the Top 24? She's wearing a short blue skirt and looking perilously Brooke White-y as she sits in front of the judges. Ellen is loving these rambling pre-results monologues. It's all a set-up to acceptance. Janell Wheeler is tonight's first contestant in the Top 24. "If I was Bikini Girl, I'd kiss you right now," Janell tells Ryan.
9:06 p.m. I vaguely remember Tyler Grady from his audition. He fell out of a tree, right? He sang "Home" for his last solo performance, but will that be a poor omen? This is the biggest opportunity that has presented itself to Tyler. What opportunity would be bigger for these guys? Straight out of the '60s and '70s, but perhaps ill-suited for the "American Idol" milieu, Tyler almost seems more like an actor playing a vintage rocker than like a popular singer. That's not necessarily bad. The judges sure don't think so. Tyler Grady is on to the Top 24. I look forward to his Happy Dance at the end of the episode.
9:12 p.m. The next contestant making the long walk is Lacey Brown, the gal who missed out last season when Megan Joy was put through in a sing-off. Lacey wins points by telling Simon that the judges made the right decision last year. This year? The decision goes in her favor. Welcome to Top 24 Lacey Brown.
9:14 p.m. Ashley Rodriguez, Alex Lambert and Joe Muñoz get put through without any real exposure. This is especially tough for Muñoz, who has been one of the season's least featured contestants. Lambert and Rodriguez will be OK, but I fear for Muños. Unless he's awesome. Which we wouldn't know. Maybe he could have taken one minute of Casey James' screentime?
9:15 p.m. Crystal Bowersox hasn't lacked for for screentime this year, though she seems not to have a clue how many people watch "American Idol," missing by a power of 10. Simon suggests that this show many not be the right platform for her, or that she might not have previously thought it was the best of platforms. The judges are unanimous and the extremely talented Crystal Bowersox is in the Top 24. Yay, Momma Sox. But am I wrong to want her to wash her hair?
9:22 p.m. There are only 10 slots left.
9:23 p.m. Does anybody doubt that one of those 10 slots is set aside for 17-year-old Katie Stevens? She has a sob story *and* talent. How can she fail? Once she stops dressing like a 17-year-old mall rat, I bet the show will really be able to work with her. She feels Top 12-bound, assuming she makes it to the Top 24. But first? Another rambling intro from Ellen. Yes, Katie Stevens is in the Top 24. She's giddy and keeps holding her head in happiness.
9:25 p.m. Spots are dwindling, which means that a bunch of people we didn't much care about are heading home. Farewell all of you! Maddie Penrose, I'll miss you and your glasses most of all. I say that because you're the one whose name I know.
9:26 p.m. Here comes Angela Martin. She was so good two years ago. And so good last year. And so good this year. Is this her year? The producers show what they think was a poor solo performance from Angela, which also sounds good enough for me. He dad was killed. She went to jail. Her daughter had serious medical issues. Give the girl a break.
9:27 p.m. Is this Angela's year? She's crying as she sits down with the judges, but has to make room for Kara, who hugs her before stabbing her in the back. This will not be Angela's year. For shame, "American Idol." For shame! Kara's performance breaking Angela's heart is dreadful. I'd love to have heard a single bum note from Angela, just to explain why she didn't get a shot here.
9:35 p.m. Crystal is through. Didi is through. Janell? Through. Will all four of my blonde guitar-strumming favorites make it to the Top 24? It's up to Lilly Scott, who didn't have a good last solo performance after a great first solo? Kara doesn't think Lilly's the best singer left. And that, apparently, is why Lilly Scott is in the Top 24. Lilly vows to go all the way.
9:38 p.m. Paige Miles, Siobhan Magnus and Michelle Delamor are also through. Who? Who? Who? Jermaine Sellers is also into the Top 24, as is John Park. Really? Several of those people could have used that screen time. Instead, that programming block was three minutes long. Of that group, Sellers got lots of exposure last night, as did Magnus. Miles was featured in the Group Week, but she was featured as annoying. I remember Park's audition, but only because "American Idol" doesn't have a long tradition of successful Asian males. And Michelle Delamor? Nope. Not at all.
9:44 p.m. Uh-oh. There's only one more spot amongst the Top 12 women. It's down to Haeley Vaughn, who the judges sometimes find terrific and sometimes annoying, and Tori Kelly. As the judges keep saying, this was a strong year for the ladies, which made this extra challenging. Who will get that last place? It's Haeley Vaughn. Tori Kelly is done.
9:46 p.m. Usually they build these last choices a bit more carefully. We haven't seen enough of Tori to know if we missed out on not having her in our Top 24. Haeley received much more screentime throughout, so we can't be surprised that she's going on. Things are a bit more intriguing for the last male spot. It's Thaddeus "I'm Not Bubbly" Johnson vs. Andrew Garcia and although I can't imagine Andrew -- he of the slow-rock "Straight Up" -- not being the one to advance, at least we know who Thaddeus is.
9:52 p.m. It turns out that both Andrew and Thaddeus want to make it to the Top 24.
9:53 p.m. Thaddeus is up first. "Thaddeus, you didn't make it and I'm really sorry," Simon says. Simon reassures Thaddeus that he didn't do anything wrong. He even walks over and shakes Thaddeus' hand. This is just about as magnanimous as Simon can get. Thaddeus, though, is a big blubbering mess. He's like 16 or 17. He's still eligible to come back each of the next 10 years if he wants to. Chin up, sir!
9:55 p.m. Somehow, they snuck Thaddeus out and Andrew in without Andrew realizing that he's set. They don't make him wait long. Andrew Garcia is the final member of the Top 24. Andrew is nearly as blubbery as Thaddeus was. "I mean I'm usually a cool guy," Andrew hiccups.
9:57 p.m. Our Top 24 masses on the stage as "Halleluyah" plays in the background.
9:58 p.m. Happy Dancing!!! I love Happy Dancing.
10:00 p.m. Check HitFix later tonight for a photo gallery of the Top 24. Gotta wait for FOX to put up art!
What do you think of the Top 24? And how sad are you for Angela Martin?


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Crofton Roman Villa
Remains of a Roman villa-house dating from AD140 within a modern cover-building, with graphic displays, models, touch table of Roman artefacts and activities for children including mosaic making, brass rubbing, Roman games and dressing up as Romans. Details of Roman hypocaust (central heating) in ten rooms and traces of tessellated and concrete floors can be seen. Special events for children and the public.
This content has been supplied by Crofton Roman Villa
|Adult Ticket:
|£1.50 (USD1.84) per ticket
|Child Ticket:
|£1.00 (USD1.23) per ticket
|Family Ticket:
|£4.00 (USD4.90) per ticket
Family tickets cover 4 people including children; each additional child after this is 50p.
This content has been supplied by Crofton Roman Villa
Opening Times:
Closed during winter. Open from 28 March - 28 October 2016
Wednesday & Friday: 10:00 - 13:00, 14:00 - 17:00
First Sunday of the month only: 14:00 - 17:00 (includes guided tour by an archaeologist)
Bank holiday Monday: 10:00 - 13:00, 14:00 - 17:00
Venue Details & Map
Crofton Roman Villa
- Address
Crofton RoadOrpingtonBR6 8AF
- Telephone:
- 01689 860939
- Public transport:
- Adjacent to the station, on the uphill side.
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The Garner 3-Year Factory Warranty for TS-1 Hard Drive & Tape Degausser extends the 1-year warranty of your TS-1 Hard Drive & Tape Degausser for an additional period of 3 years. Garner will repair or replace your defective product at no charge during the warranty period if returned to the factory. The warranty covers material cost and labor but does not cover transportation.


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Bloor Security Blog - Blog Archive for August (2014)
There were 2 blog postings during August (2014):
Blogs > Bloor Security Blog
Hexis Cyber Solutions: a new entrant to the NAC market
Hexis Cyber Solutions, a subsidiary of KEYW Holding Corporation, which was spun off to address the commercial market, offers a family of products under its HawkEye brand, so named because of the...
Fran Howarth, Bloor Research | 19th August '14
Managing the BYOD risk
BYOD is a seemingly unstoppable force. Almost every organisation is grappling with it-whether they know it or not. Rogue devices, that are often outside of the control of the IT department, can...
Fran Howarth, Bloor Research | 20th August '14


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Optimism is essential to happiness and success.
The Power of Optimism is more about positive thinking. It's looking for and celebrating the good in family life so we can be the moms we've always wanted to be.
Support for Moms - Power of Moms
A Gathering Place for Deliberate Mothers
The Power of Optimism is more about positive thinking. It's looking for and celebrating the good in family life so we can be the moms we've always wanted to be.
by Power of Moms on
Rachel Ramsey Cruze is back to POM Radio to talk about her brand new book, Love Your Life, Not Theirs. In this age of constantly comparing ourselves to other people and feeling like we never have enough resources to compete with the rest of the …
by Elsje Denison on
It's great to plan a family trip when everything goes well and everyone has a good time, but when things start to fall apart, it becomes an adventure! "Our trip became one of the weaving moments of the fabric of our family, and hopefully we taught our children that when it rains, you sing."
by Power of Moms on
You're most likely going through something difficult right now. It could be something personal–deeply personal or private, and you can't really speak with anyone about it. This is a podcast that was recorded specifically to help heal your heart.
by Power of Moms on
This 20-minute podcast by Saren, her mom, and her sisters, Saydi, Shawni and Charity, offers simple, meaningful ideas for creating a wonderful Thanksgiving season.
by Saren Eyre Loosli on
What do you think is the key to happiness? Could it be gratitude? In this episode, Saren shares three great posts on gratitude. Each post offers stories and concrete ideas to help you pump up the gratitude and experience greater happiness in your life.
by Power of Moms on
In this week's Radio Show, April and Saren share simple tried-and-true ideas for making gratitude and optimism a more prevalent part of our lives and our children's lives.
by April Perry on
Ever feel like your life consists of one chaotic event after another? Here are four practical tips to help you remember how important you really are.
by Maggie Conran on
Ever feel at your breaking point? See how gratitude helped one mother who was there.
by April Perry on
Is your life full of situations that drive you crazy or cause you stress? Join April Perry as we explore the possibility that our challenges actually make incredible things possible.
by Saren Eyre Loosli on
Check out the winning photographs! Thanks to all who participated in this fun and simple way to spread the joy of gratitude by posting photos of the things that fill our hearts with joy.


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