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Stability Of The European Union (13)? (Starts March 13, 2012) Ends June 13, 2012. 184 commentsJun 13, 2012 5:44 PM
I changed the name of this Insta on Nov 21, 2010, after Ireland said they are seeking a bailout.
This Instablog is the result of a question by one of the Renegades in OptionsGirl [OG] Quick Chat 90
Basically, what I wanted to address was what shoe is going to fall first, the US Dollar, or the Euro... I also wanted to see if there was any evidence for a time estimate with respect to issues for the Euro.
I added more information on August 21, 2010.
Things are not looking good for Greece. I don't think they are going to be able to service all that debt. Enormous cuts in spending accompanied with increased taxes will likely destabilize their government. Remember, they can't print money as a way out of their debt trap. Investors are going to buy the safest assets in this environment. That should drive Greece's bowering rate higher. Here is some relevant information from a recent Bloomberg article:
(August 13) Spanish, Greek Bonds Fall on Renewed Growth Concern; Bunds Gain By Anchalee Worrachate
On August 13, the extra yield, or spread, investors demand to hold Greek 10-year securities instead of equivalent-maturity German debt, Europe's benchmark, rose 11 basis points to 808 basis points. That's the most since May 7, before the European Union announced a 750 billion-euro financial backstop for the region's most indebted nations.
Concern some European nations would struggle to pay their debts helped boost demand this year for bunds, the region's benchmark securities. Spanish bonds returned 1.5 percent this year and Irish debt 0.5 percent, compared with an 8 percent gain from German securities, according to indexes compiled by European Federation of Financial Analysts Societies. Greek bonds lost 19 percent.
Data today showed Spanish banks borrowed a record amount from the European Central Bank in July as investors shunned the indebted nation's lenders. Borrowing rose 3.1 percent to 130.2 billion euros ($167 billion) from 126.3 billion euros in June, according to daily averages compiled by the Bank of Spain.
Spanish bonds are heading for their first weekly loss in five on renewed concern that climbing borrowing costs for Spanish regions put the national budget at risk.
Catalonia, which accounts for a fifth of Spanish gross domestic product, has been shut out of public bond markets since March and the extra yield it pays over national government debt has almost tripled this year.
The yield spread between 10-year Irish bonds and the benchmark German debt widened to 294 basis points today, the most since June 29, as investors bet the government will have to inject more capital into banks, including Anglo Irish Bank Corp.
Ireland's borrowing costs rose at an auction of its six-and eight-month bills yesterday as investors demanded higher compensation for risk facing the government's finances. The country will sell 2014 and 2020 bonds debt next week.tinyurl.com/2dtuc5v
While the US is in a somewhat similar position, the US can print money, and our bonds have not be rated as junk. The higher the interest rate, the higher the perceived risk. The higher the interest rate, the deeper into the debt trap you go.
I conclude that the Euro will drop relative to the dollar as money seeks less risk. How rapidly will this occur? I think the following chart provides some evidence with respect to timing.
From June 2010 to August 2010 the average ten year Greek bond interest rate went from 64% of its peak crisis level to 85.5% of the peak crisis level.
As of August, the Greek ten year bond interest rate is at the second highest level its been at over the past five years.
If the interest rate is proportional to risk, than in the last three months, the risk level of the Greek ten year bond has increased at an average rate of 7.2% per month [ (85.5 - 64)/3 ].
I suppose a natural accompaniment to shorting the Euro would be to go long on the dollar. This assumes that the debt crisis of the European Union will reach critical mass in advance of the US dollar.
Added August 21, 2010
A picture is often worth a thousand words. Here we have the Percent Economic Growth Rates for three countries: US, Greece, Germany. Note the distinct downturn in the US Economic Growth Rate.
Here is National debt as a percentage of GDP in 2009 for the Euro Zone. Look at Greece and Italy.
Here is Government deficit as a percent of GDP for 2009. Look at Greece and Ireland. Look at UK and Spain.
Here is the all important Jobs Picture as of March 2010. Look at Greece, Spain, Ireland and France.
Added September 29, 2011.
What is the EFSF?:
The European Financial Stability Facility (EFSF) is a special purpose vehicle financed by members of the Eurozone to combat the European sovereign debt crisis. The €110 billion bailout to Greece is not part of the EFSF guarantees, but a separate commitment.
When you look at the Guarantee commitments by the different euro zone countries [tinyurl.com/3xde35o] you will see something interesting. Greece, Ireland, Italy, Portugal, and Spain (i.e., the PIIGS) account for over one-thrid (36.7%) of EFSF commitments. All by themselves, Italy and Spain have a financial commitment of almost one-thrid (29.8%) of the total EFSF commitment.
(October 23, 2011) I added this nice summary graphic of the Dominoes effect associated with the European debt crisis. You can also see the graphic and the accompanying article with the following link:
(October 23, 2011) Guest Post: The European Financial Crisis In One Graphic: The Dominoes Of Debt. From: Zero Hedge, by: Tyler Durden. tinyurl.com/3ulxgmj
The original copyrighted graphic is from Charles Hugh Smith (" 2011) attinyurl.com/ygsa6j
Added February 9, 2012
Greek General Government Debt Percent GDP
(March 10, 2012) Europe's Scariest Chart Just Got Scarier. From: Zero Hedge, by Tyler Durden. tinyurl.com/7moa6tg
Unemployment for individuals less than 25 rose to 51.1 %, twice as high as three years ago as budget cuts imposed by the European Union and the International Monetary Fund as a condition for dealing with the country's debt problems have caused a wave of corporate closures and bankruptcies.
Fantasy Greek GDP Growth Rates:
In the fantasy report "Greece: Preliminary debt Sustainability Analysis" dated February 15, 2012 which I referred to as the "Deus ex machine" report one of the EUs key economic assumptions was that Greek GDP growth in 2012 would be -4.8% and -1% in 2013.
The Greek economy saw growth rates of:
-0.2% in 2008,
-3.3% in 2009,
-3.4% in 2010,
-6.9% in 2011
-7.5% in fourth quarter of 2011.
(Data from John Mauldin report tinyurl.com/7axvcmw)
I plotted the Greek GDP data below and projected the GDP values for 2012 and 2013 based on the current data. I also plotted the Greek GDP projections from the Deus ex machine report - blue line.
There is no Greek stimulus, jobs are in freefall. Which projection do you believe?
(March 29, 2012) Greek Deposit Run Update: Hopeless And Getting Worse. tinyurl.com/8425yf7
Added April 27, 2012
Q1 unemployment is now one quarter of the working population or 24.44%, up nearly 2% from the 22.85% as of December 31
Global PMI Changes from March to April 2012
From: ZeroHedge tinyurl.com/76d39dj
From: ZeroHedge - tinyurl.com/88qfjmc
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siliconhillbilly, contributor
siliconhillbilly, contributorEuropean Countries That Make You Go Hmmm...
Grant Williams, March 12
robert.b.ferguson, contributor
Some thoughts about CDS and some links included to free data source.
"PIMCO's chief executive Mohamed El-Erian described Chancellor Merkel's decision to insist on fiscal reform as a 'burden' to an already challenged political construct that is trying to restore order.
El-Erian, also co-CIO at the world's largest bond house, said Merkel's move towards European fiscal union was a 'political moral hazard'."
LOL, its also a 'fiscal harzard' for PIMCO.
Reality is starting to interfere with the illusion that all is solved. Check out the two charts in this article...
siliconhillbilly, contributor
I just want someone to create a Yoda youtube video *if* this powder goes ka-blooey.
Collapsed. The Greeks are.
Chaos. Spain is in.
Fraught and confounded. Merkel is.
In total meltdown. Due to knock-on effects. Japan's economy is.
Out. Bernanke is bailing.
Yoda. This has been.
Nigh. The end is.
Feeling Euro issues have somehow grown too quiet, I went looking for trouble... and found it...
Deutsche Bank at the ready to be a mess (from Bloomberg)
I hate to be lazy and not read the article, but they did say what was driving the growth (increase in cash? increase in loans? increase in securities?) and how did they fund it? Are they getting deposits from other EU countries or is it advances from the ECB and wholesale funding? I could see a big increase in deposits and an increase in cash as deposits flood in from people looking for the highest deck of the sinking ship.
"The firm is the second-most leveraged and third-least capitalized of Europe's 10 largest banks"
"balance sheet has been buoyed by acquisitions"
siliconhillbilly, contributor
Irish journalist lays into ECB rep (5 min): http://bit.ly/wroIac
siliconhillbilly, contributorI have yet to understand exactly WHY the Irish government in power at the time agreed to repay the unsecured debts of the private Irish bank or banks that made absurd infrastructure loans and sold bonds to the other European countries to support those loans.
The loans to the Irish citizens all have zero value now. The government can't recover anything by selling the unwanted housing and other infrastructure that was built with the borrowed money. Why did they do it? Moral responsibility??
For the same reason that the American government did the same sort of thing for GS. They were corrupt, far too closely linked to the banks, and had delusions of grandeur.
(I suspect too many will/do not, but I hope that the attitudes does spread)
Very interesting cultural clashes growing...in this case German/Irish.
SB..."WHY"...IMO...yes, a cultural "moral responsibility" in spite of ignorant and naive (and yes, corrupt and greedy) politicians and bankers.
The USA has a better understanding of the financial complexities...more USA citizens are more fully aware of the shenanigans than the Irish...and we caved.
"Open discussion and debate"...I think not!
Here is Felix Salmon's take on the deal. http://tinyurl.com/7r5...
siliconhillbilly, contributorI've read "Boomerang" by Michael Lewis. Twice. Excellent.
But it didn't answer my original question about why the Irish govmint paid off the bank loans with tax money.
(March 29, 2012) Greek Deposit Run Update: Hopeless And Getting Worse. http://tinyurl.com/842...
Most (all?) Greek banks are insolvent after they take their share of the bond haircut and the economy's meltdown. Who would keep deposits in such banks when others are readily available?
robert.b.ferguson, contributorNow there is Spain. http://on.msnbc.com/GZ... This will get worse as time goes by. http://bbc.in/GZyOpd
"This will get worse as time goes by."
Undoubtedly, RBF.
Agree RBF and Jon. And while everyone is focused on the BIG ticking bombs -- firecrackers are going off in emerging Europe. IMF is now warning that the share of non-performing loans in Central and Eastern Europe has exploded from 3% pre-crisis to 13%: http://bit.ly/H7iX7r
robert.b.ferguson, contributorThis just in! Some of the EZ problem children's bonds will no longer be accepted as collateral. http://seekingalpha.co...
John Maudlin's All Spain All The Time posted here for posterity: http://seekingalpha.co...
siliconhillbilly, contributor
robert.b.ferguson, contributorSpanish bond sale was not well received. They may be getting some unwanted attention from bond vigilantes soon if they aren't already. http://bit.ly/HegzBo Hat tip WSB
BBC article on the rise of the barter system in Greece http://bbc.in/IHFpFk
siliconhillbilly, contributor
I charge more for "Art", but I am happy to trade "art" (lower case). In today's world of language destruction (everyone who does anything is an "artist" - whether its cutting hair or collecting trash, and we are adding the term "artisan" to industrial processes like mass-produced baked goods), the odd pun is welcomed as additional free advertising!
robert.b.ferguson, contributor
Here's an intelligent summary of the dynamics to keep on your radar during this Sunday's French elections from Marc Chandler: http://seekingalpha.co...
Spain and Italy. Rates soar. http://bit.ly/JEEQkt
"The money raised was towards the top of its targeted range of €1-2 billion. But it had to pay a steep price. The borrowing rate leapt to 0.634% from 0.381% for three-month bills and to 1.58% from 0.836% for six month bills, when compared with the last similar auction on March 27."
"Rome issued bonds worth a total of €3.44 billion today. The offer included €2.5 billion in bonds due in 2014 which were sold to give buyers a yield, or rate of return of 3.35%, up from 2.35% at a similar sale in March. The government also sold €501m of inflation-indexed bonds due to mature in 2017 at 3.88%, up from 2.04%, and €441.5m in bonds due in 2019 at 4.32%, up from 3.06%."
April 24, 2012. The Greek central bank downgraded its' forecast for the economy expecting it to shrink by about 5% verses the 4.5% forecast three weeks ago.
(April 27, 2012) Spanish Economy Crumbles: Unemployment Nearly 25%. From ZeroHedge by Tyler Durden.
Rat, did you mean that: "Over half of their citizens 25 or YOUNGER are unemployed!"?
Yes. And as for any revolt, it may have to overcome the wishes of the street gang bosses who many of those unemployed youth will be working for, who might just like things just as they are...
siliconhillbilly, contributorTrip: It will be interesting to see how many Spaniards remain "unemployed" when the government can no longer pay unemployment benefits. Then again, how would we know if they had a job?
Actually, TB brings up something that gets harder to track the worse the economies of the world becomes: the "gray market".
but we may also see a rise in off the books illegal alien labor in the developed world (because if you're going to employ someone on a cash only basis and underpay them, who will keep their mouth shut better and give you more leverage as an employer than someone you can report to the government and have kicked out of the country?)
Jon: Correct. I do indeed associate this with illegal immigration - and its "gray market" cousin, corporate-sponsored immigration for the purpose of undercutting high salary class jobs. This job market pollution benefits a very few, and even then at an extraordinarily high cost to both the society and the individual.
Capitalism can never be killed. It just goes underground. If you think about what capitalism is, it makes sense why this is true. Capitalism is not survival of the fittest, that's a pure democracy, a spoils system. We have to think about, is what captial is. Capital is stored labor. Resources have no value until acted upon by human labor. When you build a house, you store your labor for years. So instead of building shelter every night, you build it over the course of a couple of nights, and then have shelter for the rest of your nights. The time you used to spend building shelter can now be spent on other things. As such the asset (shelter) represents your stored labor (capital). Assets = Capital.
"Capital is stored labor." You've hit it on the head. So simple and yet so profound.
Why would teachers in a public school system ever suggest to be skeptical of gov confiscation of capital, when that confiscation provides for their bread and butter? Wisconsin and Greece are great examples of a spoils system, and a spoils system always uses the fraud of the "common good". But have you ever noticed that the common good means the minority gets screwed for the benefit of the majority. Students in a public school system will never be taught their rights revolve around self preservation (storing capital and the real mechanics of economics - insurance, mgts, etc). If they were they might not fall for the fraud of the "common good" wherein in the majority votes to enslave the minority.
The Greek elections culminated 2 votes short of a majority for the pro-bailout New Democracy and Pasok parties. What happens next?
Based on: Greece: Next Steps. From: ZeroHedge, by Tyler Durden. http://tinyurl.com/7vg...
Each of the top three vote getting parties, in order of voter preference is sequentially offered a three day opportunity to form a coalition government.
By the way, while Lucus Papademos, Greece's technocrat caretaker PM remains in his position, Papademos' "government" cannot legislate as parliament was dissolved ahead of the elections.
siliconhillbilly, contributor
PASOK (socialist party) just indicated in an interview that they are willing to participate in a coalition government. Syriza (Leftist party which finished 2nd) met with ND (center-right, finished first and gets first shot to form government) and said "no".
PASOK won 42 seats...
OK, new news is that PASOK also said "no" to the ND.
So will Holland show a trend where more and more nations reject controlling expenses, and then they get enough leverage to get the ECB to accomodate with Euros? Then, eventually, the Euro starts to take a hit, which you would think would damage Germany's purchasing power, so then Germany decides to bail on the Euro. Sort of like Greece trying to tax their rich, and the rich leave or hide their wealth and incomes. There is a difference between levying a tax, and levying a tax you can collect. The producer just runs away. Maybe Germany will run away too.
I don't think anything should be made out of left/right winning anything right now. If the right was in power, the left will win. If the left was in power, the right will win. The only trend is people are frustrated and they think political change will change their fate.
However, it took many years to arrive at the point in their fate (and ours too which we and) they wish to change in each country, and electing people who say they will do things that will placate them (and us, the general populace) is not likely the answer, but what does come with democracy. Folks will only make the tough decisions when they absolutely have to, and who will be in power at that time will be incidental to who got tossed out last for not solving problems that simply cannot be solved in a 24-hour-news-cycle-dem... until the electorate recognizes their own role as co-cospirators to their own economic train wreck with the politicians.
The built up damage of irresponsibility that goes back somewhere between 25 and 100 years (depends on where you want to start) is coming home. The bill is very expensive. In the end, all the sovereigns are going to walk away without paying it because it is impossible to pay. The question is how much damage they do between now and then - the final crisis moment - and how to insulate one's self against all that damage.
(May 12, 2012) Current situation:
The three top parties were given the chance to form a government and failed. We are now seeing the last possibility where the President is attempting to form a government with all of the parties at the same time.
The notion that nothing much will happen outside of Greece if the Greeks stop paying and leave the EU is ridiculous. There are hundreds of billions of dollars at stake here, perhaps even trillions. Some EU countries banks could fail requiring interventions, more governments will likely fall (dominos falling), and other countries deeply in debt could say - "why not?". "Why not?", a line I always remember delivered by Warren Oates in the Wild Bunch when the decision was made to fight to the death in the name of loyalty.
siliconhillbilly, contributorMaybe China will "buy" Greece from the Greek people. Just pick up the payments! Pay off the other EU members and leave the EU.
Then the relocated ethnic chinese work 90 hour weeks and borrow money from their relatives and build a new economy on the Mediterranean.
My wife lived in Greece for the better part of 2 years.
Democracy at its worst is simply "mob rule".
Thanks for your summary update, FPA. The flammable EU situation I think is going from bad to worse. SA is reporting this am:
siliconhillbilly, contributorFrom John Mauldin's latest newsletter.
The unraveling continues, as you folks have predicted.
Another charming Monday coming up - Europe is a blood bath. The S&P lower Bollinger is 1349. S&P Futures are currently at 1341 - Oil with a 94 handle.
President Papoulias invited politicians from the biggest three parties to return to the presidential mansion at 12:30 p.m. EDT on Monday, along with a small leftist group. But an official from the second biggest party, SYRIZA, said its leader Alexis Tsipras would not attend. Tsipras says he wants to keep Greece in the euro but the bailout deal must be torn up, a position shared by an overwhelming majority of Greeks but regarded by those in Brussels as untenable.
Greeks target June 10 for next election http://bloom.bg/Mk2aVL
Spain leads tomorrow's headlines in Europe http://ind.pn/J1wter
Bloomberg notes Moody's just downgraded 16 banks in Spain http://bloom.bg/J4jQ3e
Friday May 18, 2012 - After The Close Today, Spain Hiked Their Budget Deficit From 8.5% to 8.9% http://tinyurl.com/6su...
siliconhillbilly, contributor
Could be something brewing in the French mortgage market that could lead to bank nationalizations... http://tinyurl.com/7ju...
Big day coming for Greece -- June 17 -- so says John Mauldin:
I just heard on CNBC that a former PM of Greece admitted that plans had been in the works for "if" they leave the EMU.
This smart lady lays out the idea that Greece can default on its private bonds, but stay in the EuroZone.
siliconhillbilly, contributorTwo parallel currencies? Makes my brain hurt. I suppose there would be a daily "exchange rate" posted just as if between two sovereign countries.
(Reuters) - Top Spanish officials are at odds over how to help the country's highly indebted regions refinance 36 billion euros of debt this year, government sources told Reuters on Wednesday.
This figure, just revealed in the budget plans compares with previous reports of around 8 billion euros of bonds maturing in 2012. The difference is due to bilateral loans from Spanish banks to the regions worth 28 billion euros that were NOT MADE PUBLIC PREVIOUSLY. Spain's government last week admitted its 2011 public deficit was higher than it had previously reported.
Ah ha! Finally, the truth is out. Spain has been spinning this lie since before the birth of the EU. Of course, in the past it was the Regional banks and governments which were solvent, and the national bank and government which ran deficits...
This is from Bloomberg on how Greek exit of Euro could impact Russia: http://bloom.bg/Kstejz
siliconhillbilly, contributor
Spain's Catalonia seeks government help to pay debt
This year it is struggling to reach a deficit target of 1.5 percent of its economic output, a goal many economists see as impossible given that the Spanish economy is set to shrink this year by about 1.5 percent.
Now we are gaining insight into just how much the regional governments (and regional banks) mean to the Spanish picture. Over-focus on the central government and central/2Big banks means the observer misses at least half of the story.
robert.b.ferguson, contributorTB: Greetings. We did indeed discuss the role that regional financial institutions here, in the EZ and in China would play in the coming debacle. China is going through a debt implosion crises as well. They are hiding it better but experiencing it nonetheless as their regionals are holding massive amounts of debt. Of the three regions I suspect the U.S. regionals are the best positioned. Which makes the recent activities of JPM etal even more suspect as no one knows how much they are holding off the books.
>robert.b.ferguson ... look to the derivatives market. Off balance sheet liability has been estimated at 3-6% a couple of years ago and no one has put forward anything to refute or change that since. So what is that for projected loss in a 1.5 Quadrillion market? What would JPM (or any bank) be liable for .... I don't know ... & that's the problem that scares everyone and explains the EU.
I would like to congratulate the government of Spain for properly nationalizing a bank and hope they can sensibly complete this task and move on to the next.
In Spain, April saw €31 bn (or 1.9%) deposit outflow from banks. Within this only half is attributable to corporate (- €7 bn or -3.4%) and retail balances (- €8 bn, or -1.1%). The residual outflow is attributable to deposit reductions by others (financial institutions / pension funds / etc)."
One quarter of the working population or 24.4% is out of work which no doubt has something to do with Retail sales being down for twenty-one consecutive months.
Spain has sent its' deputy prime minister to Washington to discuss the country's economic crisis with the U.S. treasury secretary and the head of the International Monetary Fund.
From a macro analysis perspective about a group of people's ability to produce, here is a little blurb about the types of things Europe imposes on itself. It helps understand why they have such a hard time making good on their debt.
By French law, once a company has at least 50 employees working
inside France, management must create three worker councils,
introduce profit sharing, and submit restructuring plans to the
council if the company decides to fire workers for economic reasons.
As a result, France has 2.4 times as many companies with 49
employees as with 50. In fact, to circumvent the onerous labor laws
and costs associated with compliance, many French companies
that wish to expand their business and employee base beyond 49
employees have simply sent production to surrounding countries
including Tunisia or Romania. With near 10% unemployment in
France, labor laws that were designed — 102 years ago, mind you
— to aid workers appear to be exacerbating unemployment woes
by sending jobs across the border.
In the current Affordable care act, businesses with fewer than 50
employees are exempt from having to provide health insurance.
Will we become a nation of 49 employee firms?
robert.b.ferguson, contributorInvestors pulled $7.2B from stock based mutual funds last week. http://bit.ly/JZaFjf I'm sure that it has nothing to do with the global economy slowing or the continuing adventure in the EZ. Moreover that isn't the biggest weekly withdrawal this year. Look for a genuine run to start when things get really bad.
June 1, 2012 (Reuters) - The German government shifted ground on Friday, supporting a European Commission proposal to give Spain more time to reduce its budget deficit, in a sign Berlin is prepared to take a more flexible approach to tackling the euro debt crisis.
More meaningless can kicking. But if the Germans say the same thing to the Greeks, that could have an effect on the upcoming elections. Meanwhile, the idiot Troika continues to shoot itself in the foot. My comments are in brackets [ ].
In the face of parties opposed to the austerity demands of the Troika likely to gain a majority vote in the next elections, the Troika has warned that any attempt to tinker with reforms could lead the money pipeline being shut off. "Greece will therefore have to make substantial additional expenditure cuts in the coming months," the Commission said in a report on May 30. "Comprehensive international financial assistance can continue to be provided only if policy implementation improves."
"The determination of the Greek authorities to stick to the agreed policies will be tested in the coming months when deficit-reduction measures to close the large gap for 2013-2014 need to be identified," the Commission said. "Implementation risks will remain very high. The success of the second program depends chiefly on Greece."
Kind Folks: Talked to my Wells Fargo Senior Advisor earlier this week. A couple weeks before, my broker told me that Sen. Bob Casey, a democrat from PA, called him (I find that fact pretty cool!).
It would be more logical for the ECB to become more accomodative. It's the path of least resistance, and it would make sense that getting an agreement for more ECB accomodation would have the highest probability of success. As the banks see more and more deposits flee, the fear will rise for these bank's abilities to meet withdrawal requests. So the ECB will either have to take more collateral for advances, or ease the haircuts for the collateral they have already taken. Slowly you would see ECB advance funding for these banks become more and more a bigger slice of their funding mix.
(June 4, 2012) Insurers Halting Coverage on Exports to Greece Cuts Deep.
From: The Greek Reporter, by: Andy Dabilis
Being distant from all that, in the relative security, ATM, of our society, it's hard to get a true feeling for what the Greek people are and will be experiencing, in terms of desperation, hopelessness, hardship, shortages of basic necessities, ...
(June 5, 2012) The Reign In Spain Is Over
From: Zerohedge, by Tyler Durden
Italy is next.
TB that is the issue. There simply is too much debt everywhere. What value to mark the currency at to accommodate that simple fact. Until that is resolved we will squirm in misery for some time.
As Italy pointed out this week, Germany cannot stop the EZ from printing (or even its major component members). This is true. Therefore Germany is very likely to just have to accept the printing, and determine where they want to go from there.
But there are still costs for that. The dilution of the Euro from the printing will hurt purchasing power. It is basically a subsidy for exporters paid for by people in Germany not directly related to exports. It is a basic mercantile system. In exchange for the BMWs they create with their labor, the exporters receive a piece of paper. The issue becomes what can you buy with that piece of paper? The faster those pieces of paper come in and the faster they are spent in Germany, means the local business is working longer, selling more, for the same contribution margin. They will tend to be loathe to hire based on labor regulations, so either they keep working longer hours, or they raise their prices. They will raise their prices, and as soon as that happens, people won't spend as much, earnings will go down, equities in Germany won't be worth what the price suggested, so the equity prices will fall as well.
TB, agree that the EZ can print Euros, but I think that there is even some reason to be believe that some individual EZ countries could "effectively print." When Berlusconi came out last week with his challenge that "we should just print ourselves" -- my small search yielded this provocative summary of ways an individual country could default and "effectively" print Euros. The entangled mess that would ensue for the EZ would be major -- but I ask myself whether desperation could lead to some of these extreme actions by individual countries? http://bit.ly/JSNvjU
Yes, Berlusconi's comments were what I was alluding to. And the perception that Germany controls the ECB and the entire EZ is overblown. This is particularly true as center-right Merkel loses her French center-right government ally, and prepares to wage what is probably a losing battle to retain her own party's seat of power in the coming Bundestag elections next year...
Its very easy for the EZ to print. The ECB can loan euros to all the banks for outrageously valued assets. Frankly thats what has been going on for some time. The question is can they sustain this since private investors know whats going on and soon there will be no private investors "investing" in EZ as seems to have already started. Sovergns have also begun to loose interest in investing also.
Eurozone finance ministers said Saturday they were willing to give Spain up to 100 billion euros to help its troubled banks, which are suffering due to their massive exposure to the ailing property sector.
And in response - Ireland Demands Renegotiation Of Its Bailout Terms To Match Spain. Ireland secured an 85-billion-euro ($112 billion) rescue deal from the European Union and the International Monetary Fund in November 2010, but only after agreeing to draconian austerity measures.
My guess is that Spain's bailout will have broader economic strings - unless the bailout is not coming from the EU? There must be more to this than we currently know...
The banks are in trouble because of the real-estate bubble. The rate on the loan is 3%, half that of Spain's sovereign bonds. The loan is to the banks. My guess is that the properties of the banks are serving as collateral for the loans, probably at a favorable and secret value marking.
You mean like they are being pledged at par?
siliconhillbilly, contributor>jhooper: I can't really see the French cutting their massive subsidies to rural farmers and other voters in order to deregulate. They will print until the Euro is worth much less than a basket of commodities at present value, if given the chance. Or they will leave the EZ and print diluted Francs.
One other thing. Bailouts will have the same effect as QE or LTRO. It will juice the markets (equities up, bonds down), until earnings and economic data don't support the the elevated prices. Then the juice effect will reverse (equities down, bonds up-especially dollar denominated assets). The effect of the swing will depend on the size. A hundred billon or so will not nearly have the impact of 800 or 900 billion. Also, the phase in period needs to be considered with relation to the volume. Do the injections happen all at once, or over the course of several months? Towards the end of the program or shortly after, the dejuicing begins.
siliconhillbilly, contributor>FPA: Doesn't that imply the Spanish banks can not clean the zombie bubble loans from there books because those loan properties, at vastly inflated value, are/will serve as collateral for the new bailout loans?
You are right Siliconhllbilly. Until they clear the books of the toxic loans they are the walking dead. They have done nothing to solve the problem, they have just kicked the can. I think the withdrawals will continue, and will accelerate after Greece elections. This means they will need more cash down the line. They will need more cash just to service the new loans they just got, people will likely continue to withdraw their assets, and there ability to provide loans has likely not changed. The country is not growing.
The Spanish loan, coming at ~3% or half Spanish GGBs, is a priming loan, subordinating existing creditors. That raises the risk profile of existing creditors.
The money for the bailout is dependent on the ESM funding mechanism getting approved. But, the bailout mechanism has not yet been ratified by Germany. The reason? According to Spiegel, German Chancellor Angela Merkel is not serious about implementing a European financial transaction tax, and that threatens to undermine a deal struck last week with the opposition over the EU's planned fiscal pact. The Social Democrats (SPD) and Greens are insisting on a plan for a transaction tax and measures to boost growth." [More headlines and deal making needed ..]
On top of this we have the following from Die Welt today that "Spanish banks should come under special supervision" according to Volker Kauder, parliamentary leader of Merkel's CDU. This is something which the Spain public will violently oppose.
Greek elections are one week from today... wo wooo
Subordination will also cause private investors to be pushed down the list which means they will be less likely to put any more money at risk in Spain. This is not good for future bond rates.
Exactly Guns. Their normal capital sources will now dry up. They also just increased their payouts to service those new loans. They have done nothing to solve the reason the banks needed the loans in the first place, lack of growth. They can't solve a debt problem by adding more debt. This just puts them further in the hole.
I believe these events reflect the reality that the "sustainable" payouts for European sovereign debt has just received another little boost skyward. The idea seems to be to keep kicking the can down the road until the growth fairy comes to visit and bestow magikal goodness on all the good little fabian socialists huddled in their zero-sum castles...
It just gets better...
Spanish banks open up 4% and only to close 3% down.
European finance officials have discussed as a worst-case scenario limiting the size of withdrawals from ATM machines, imposing border checks and introducing capital controls in at least Greece should Athens decide to leave the euro. Reuters
I have to argue with your statement that: "You NEVER discuss capital controls in advance of implementation".
siliconhillbilly, contributor>FPA:
Smartest thing they can do is default, after accepting any last "love offering" the EU can be persuaded to give them.
Siliconhillbilly, "thrashing around blindly in panic" has led to them falling into the furnace. It just got hotter than hell today. Spain bailed out and all was going great until....now look at the markets. I figured it would take a couple of weeks....it did not last the day.
It may be that the most important headlines today were not about Spain's bailout, but the expectation of similar treatment for the rest of Europe. This action has set a precedent. Now either the precedent is followed in a uniform system pervading the EZ, or it becomes a very destructive force within the currency union.
siliconhillbilly, contributor
Right on cue for the summer doldrums. Here comes Italy:
Italy then France. The barbie is ready for grilling this summer.
No, no DG -- maybe France -- but Italy cannot possibly need to ask for EU aid. It is very sensible for Italy to borrow @ 5%+ and to lend to Spanish banks at 3%. What are good neighbors for? (sarcasm)
8:03 AM Mario Monti hits the wires to call "totally inappropriate" comments from Austrian finmin Fekter that Italy "too will need support." Fekter has since tried to soften the remark, saying she has no indication Italy plans to apply for aid. Political gaffe: Accidentally telling the truth. [Global & FX] Comment!
This is a great article on the subordination of euro debt, from an Alice in Wonderland perspective, which is quite fitting actually, that goes on to say basically, GET OUT OF THE EURO SOVEREIGN AND BANK DEBT.
(June 12, 2012) Spanish bonds plummet:
The yield on Spain's 10-year bond yield spikes above highs reached last November. The yield shoots up 28 basis points in late Europe trading, to 6.81%, highest level on record.
One of the effects of subordination. They have basically shut themselves out of private funding.
(June 12, 2012) Greek Bank Run Update: €100-€500 Million Per Day
This is roughly 0.3% of the entire deposit base fleeing each day.
I can not believe that folks have not already fled. My money would have been gone months if not years ago. I can not believe there are that many folks to stupid or slow or ignorant or what have you that they have waited till the very very very last minute to run.
siliconhillbilly, contributor
siliconhillbilly, contributorLatest from John Mauldin on EZ debt. Excellent. Even I understood it!
robert.b.ferguson, contributorNo worries mate. The FED will ride to the rescue. Keep in mind that the ECB has unlimited access to USD promised by the FED. http://bit.ly/MAoDZT This means that U.S. tax payers are once again on the hook to pay for EZ socialism. I'm sure that the electronic Dollars are already working their magic and we won't ever be told about it. After all we were never supposed to find out about the original $T funneled to the EZ through AIG. http://reut.rs/MAoDZU
From Mark Grant posted at ZH.
This is what is really happening, less Grant's hyperbole:
This is choice. Nigel Farage on the spain bailout.
robert.b.ferguson, contributorThe new French socialist in charge is not likely to work well or closely with Merkel. Soros is predicting a economic melt down in three months time and is undoubtedly working toward that end. http://bit.ly/OAIBYb
New concentrator ready: http://tinyurl.com/8a4...
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DALHART - Choice Barrow, 73, died Thursday, June 26, 2008,
Services will be at 9 a.m. Saturday in First Baptist Church with Jimmy Reese of Amarillo and the Rev. Rodney Weatherly, pastor, and Bob McAlister, senior adult minister, officiating.
Choice was born June 11, 1935, in Tioga to Ervin and Hazel Rollins Barrow. He grew up in Dalhart and was the longtime owner of Choice's Men's Wear.
Mr. Barrow served on the Dalhart City Council and as president of the Dalhart Area Chamber of Commerce. He married Yvonne Horton on July 14, 1956, in Plainview.
He was preceded in death by a son, Stanley Barrow; and his parents.
Survivors include his wife; a daughter, Kathy Crabb and husband Byron of Dallas, a daughter-in-law and son-in-law, Susie and Steve Handley of Alpine; two sisters, Marlene Key of Dumas and Betty Lou Longpine of Hays, Kan.; and four grandchildren, Sherrill Barrow of Amarillo, Will Handley of Alpine and Brady and Ryan Crabb, both of Dallas.
The family suggests memorials be to Family Life Center, First Baptist Church, 1000 E. 16th Ave., Dalhart, TX 79022.
Sign the online guest book at www.horizonfuneral.com.
Amarillo Globe-News, June 27, 2008
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'Guardians of the Galaxy Vol. 2' Is Done Shooting, Confirmed for Comic-Con Appearance
Posted on Friday, June 17th, 2016 by Ethan Anderton
Even though it won't hit theaters for over a year, we're a little bit closer to seeing Guardians of the Galaxy Vol. 2 because production just wrapped on the sequel after shooting in New Orleans. Director James Gunn recorded a video on Facebook live announcing that Chris Pratt had finished all his shooting as Star-Lord and later in the day officially announced on Twitter that production overall was also complete.
Below you can get just a little peak behind the scenes with a couple photos featuring Chris Pratt and his stuntman who helps make Star-Lord look like a bad ass. Plus, find out just how pumped Chris Pratt is in the video straight from the set as he says farewell to the entire crew. The video also features confirmation of a Guardians of the Galaxy 2 Comic-Con panel coming our way, as was previously hinted at last week. Read More »


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Tye Strickland
22 Tye Strickland Articles
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Courtesy of Twitter
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Courtesy of Facebook
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Been to the Twilight Tales in #Singapore ? #reading
Have you been to a literary event recently? What sort of literary event do you like the most? Ever listened to a beloved author read? Does the author have the same voice as the book when you read it yourself? Does the Literary or Book Council in your country support literary events similar to this one?
If you live in Singapore, have you been to Twilight Tales? Which author would you like to see at Twilight Tales?


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Keen Ambler Hiking Shoe
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What Will You Study
Taking Film and Sociology at Lancaster gives you the opportunity to learn from leading academics at the Lancaster Institute for the Contemporary Arts (LICA) and our Sociology Department, ranked 11th by the Complete University Guide 2016.
Film combines particularly well with Sociology because it examines cinema's role as a major contemporary cultural form that influences, reflects and shapes social values and beliefs. You'll examine cinema's aesthetic importance in the context of an increasingly visual and media-oriented culture, while investigating the connections between contemporary art, theatre, music and film.
You'll be able to select from a wide range of options in both disciplines to complement your compulsory courses, beginning with the core first-year modules Introduction to Film and Introduction to Sociology. In your second year, your courses include Global Cinema; Understanding Social Thought, and Sociological Research Methods. In your second and third year, you'll also be able to choose from wide range of options courses, such as Sociology goes to Hollywood, or Imaging the Body. You'll also complete a Film Dissertation in your final year. Lancaster's film programme is academic rather than vocational, but you will have the opportunity at each year of the course to make your own digital film using the University's state-of-the-art equipment.
Related Courses
- Criminology and Sociology : BA Hons
- Design : BA Hons
- Drama, Theatre and Performance : BA Hons
- Film and Creative Writing : BA Hons
- Film and English Literature : BA Hons
- Film and Philosophy : BA Hons
- Film and Theatre : BA Hons
- Film Studies : BA Hons
- Film, Media and Cultural Studies : BA Hons
- Fine Art : BA Hons
- Fine Art and Creative Writing : BA Hons
- Fine Art and Film : BA Hons
- Fine Art and Theatre : BA Hons
- French Studies and Film : BA Hons
- French Studies and Theatre : BA Hons
- German Studies and Film : BA Hons
- German Studies and Theatre : BA Hons
- IT for Creative Industries : BSc Hons
- IT for Creative Industries (with Industrial Experience) : MSci Hons
- Management and Sociology : BA Hons
- Marketing and Design : BSc Hons
- Media and Cultural Studies : BA Hons
- Politics and Sociology : BA Hons
- Religious Studies and Sociology : BA Hons
- Social Work : BA Hons
- Social Work, Ethics and Religion : MSocial Work Hons
- Sociology : BA Hons
- Spanish Studies and Film : BA Hons
- Spanish Studies and Theatre : BA Hons
- Theatre and Creative Writing : BA Hons
- Theatre and English Literature : BA Hons
Many of Lancaster's degree programmes are flexible, offering students the opportunity to cover a wide selection of subject areas to complement their main specialism. You will be able to study a range of modules, some examples of which are listed below.
Year 1
- Bodies in Society
- British Theatre & The State of the Nation (1945-2000)
- Contemporary Fine Art Practitioners
- Critical Reflections
- Disasters: Why do things go wrong?
- Documentary Drawing
- Gender, Sexuality and Society
- LICA Work Placement
- Living with Capitalism: Work and Profit
- Media & Performance
- Media and Visual Culture
- Media in a Global Age
- Modern Dance
- Performing the Avant-Garde
- Viral Video Production
- Apocalypse Then: New Hollywood Cinema
- Arts, Health and Wellbeing
- Bodies in Society
- Classic Hollywood: The Studio Era
- Contemporary European Postdramatic Theatre
- Creative Enterprise
- Disasters: Why do things go wrong?
- Dissertation
- Film Theory
- Gender, Sexuality and Society
- Hollywood and beyond: Global cinema
- Living with Capitalism: Work and Profit
- Media & Performance
- Media in a Global Age
- Music and TV Advertising
- Silent Cinema
- Social Media and Activism
- Sociology in the Real World
- Sociology of the Future
- The Popular, the Political and the Avant-Garde
- Violence and Society
- Viral Video Production
Year 2
Year 3
Lancaster University offers a range of programmes, some of which follow a structured study programme, and others which offer the chance for you to devise a more flexible programme. We divide academic study into two sections - Part 1 (Year 1) and Part 2 (Year 2, 3 and sometimes 4). For most programmes Part 1 requires you to study 120 credits spread over at least three modules which, depending upon your programme, will be drawn from one, two or three different academic subjects. A higher degree of specialisation then develops in subsequent years. For more information about our teaching methods at Lancaster visit our Teaching and Learning section.
Information contained on the website with respect to modules is correct at the time of publication, but changes may be necessary, for example as a result of student feedback, Professional Statutory and Regulatory Bodies' (PSRB) requirements, staff changes, and new research.
Entry Criteria
Grade Requirements
A Level AAB-ABB
International Baccalaureate 35-32 points overall with 16 points from the best 3 Higher Level subjects
BTEC Distinction, Distinction, Distinction to Distinction, Distinction, Merit
Access to HE Diploma Distinctions in the majority of units
Other Qualifications We welcome applications from students with other internationally recognised qualifications. For more information please visit the international qualifications webpage or contact the Undergraduate Admissions Office directly.
Essential Subjects
The following subjects are considered desirable by the department: Film, Media or one other humanities subject
IELTS 6.5 (with at least 5.5 in each component)
Further Information
General Studies Offers normally include General Studies if it is taken as a fourth A level.
Combination of Qualifications Applications from students with a combination of qualifications are welcomed, for further advice please contact the Undergraduate Admissions Office directly.
Taking a gap year Applications for deferred entry welcomed.
Contact Undergraduate Admissions Office + 44 1524 592028 or via email@example.com
Lancaster's Film and Sociology graduates have strong research, analytical and communication skills, which open doors in the public and private sectors. Our graduates are highly employable and have a strong track record in finding work, especially in the advertising, arts administration, marketing and media industries.
Many alumni go on to follow one of the postgraduate MA degrees offered at Lancaster; undertake vocational postgraduate training in media-related professions such as journalism, or pursue careers in law, computing consultancy, finance and local government.
Lancaster University is dedicated to ensuring you not only gain a highly reputable degree, but that you also graduate with relevant life and work based skills. We are unique in that every student is eligible to participate in The Lancaster Award which offers you the opportunity to complete key activities such as work experience, employability/career development, campus community and social development. Visit our Employability section for full details.
Teaching and Learning Methods
At Lancaster we offer a broad range of learning environments designed to best support the requirements of your chosen degree programme. These may include lecture and tutorials, interactive workshops, laboratory sessions, other practical activities, student-led seminars and web-based delivery.
The modules which make up a programme of study are assessed using a variety of different methods, enabling students to demonstrate their capabilities in a range of ways. Typical coursework assignments include laboratory reports, essays, literature reviews, short tests, short and sharply focused critical reports, poster sessions and oral presentations. Formal examinations include short answer questions, essays and data analysis. Multiple choice formats are also employed where appropriate. Students are supported in the production of final year project reports and dissertations. Details of the assessment methods for individual modules can be accessed via the university's online module catalogue. In addition to these learning and teaching methods we encourage independent study, meaning you take responsibility for your own learning. For more information visit our Teaching Approach page.
Assessment Methods
We offer you a variety of stimulating and effective approaches to teaching, learning and assessment. This enables you and your tutors to explore the very latest thinking within your subject and develops your skills in problem solving, analysis and critical reflection, communication, application of knowledge and modern technologies.
As a University, we commit to providing all our undergraduates with a minimum number of contact hours per week, providing you with timely feedback on your work and a maximum number of 15 students per seminar group.
We set our fees on an annual basis and the 2017-18 entry fees have not yet been set.
As a guide, our fees in 2016 were:
|Overseas (2016)
Lancaster University's priority is to support every student to make the most of their life and education and we have committed £3.7m in scholarships and bursaries. 400 students each year will be entitled to bursaries or scholarships to help them with the cost of fees and/or living expenses. Our financial support depends on your circumstances and how well you do in your A levels (or equivalent academic qualifications) before starting study with us.
Scholarships recognising academic talent:
- An Academic Scholarship of £2,000 for the first year of study to any student from the UK entering with A*, A*, A or equivalent academic qualifications
- An Access Scholarship of £1,000 per year for all UK students from households with an income of less than £42,600 who achieve grades of A*, A, A, or the equivalent academic qualifications. In addition, students from household incomes of less than £42,600 who achieve higher entry grades of A*, A*, A (or equivalent academic qualifications), will also be awarded our £2,000 Academic Scholarship in their first year of study.
- An Excellence Scholarship which forms part of the Unconditional Offer Scheme for full time UK applicants with outstanding academic profiles within a number of academic departments.
Bursaries for life, living and learning
- A Lancaster Bursary of £1,000 per annum for all students from England with a household income of more than £25,000 but less than £42,600
Any financial support that you receive from Lancaster University will be in addition to government support that might be available to you (eg fee loans) and will not affect your entitlement to these.
For full details of the University's financial support packages including eligibility criteria, please visit our fees and funding page
Students also need to consider further costs which may include books, stationery, printing, photocopying, binding and general subsistence on trips and visits. Following graduation it may be necessary to take out subscriptions to professional bodies and to buy business attire for job interviews.


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Jack Radio Comics by Lady Anne E Wehrley
- November 07, 2012
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I don't blame Jack. I've never met anyone who likes going to the dentist.
BTW, cute photos in the background, Anne!
Thanks T! I'm trying to get more detail in the strips like I used to do. Look up a British named Carl Giles, he was a master at funny backgrounds.
I checked out Carl Giles's cartoons. You're right. He was really great at adding detail to his work. Thanks for introducing me to his work. Apparently, he is really well known, so I'm not sure why I haven't heard of him.
I graduated from the Institute of Cartooning, England and an instructor noted my early work had Giles like aspects, that's how I learned of him.
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Grey kitchens
Grey kitchens for the heart of your home
Grey kitchen units can transform a kitchen design, adding character, individuality and a timeless elegance.In the past, there may have been more of an all-or-nothing approach to colour in the kitchen remember lime green and orange in the 1970s.
Today's palette is more restrained, with grey kitchens proving a major hit. Tone is important too, even within the grey family warmer greys create a different feel from blue-based shades of slate, for example.
When choosing an accent colour or a mixed palette for your grey kitchen, you can't go wrong by following colour theory. 'Either select complementary colours, which are next to each other on a colour wheel, or contrasting shades from opposite sides of the wheel,' says David Mottershead, MD at Little Greene.
'Contrasting colours are energising, while complementary colours are calming.' Soft, pale greys tend to work well in smaller kitchens, but larger spaces may need some sections of bolder colour to prevent the scheme looking bland and wishy-washy.
For subtle contrast, two different shades of the same calm colour tend to work better on cabinetry than three or four, which can look like a mistake. An island painted in a deeper or contrasting colour to that of the wall cabinets will make it a focal point in your grey kitchen Base cabinets in darker shades than wall cupboards help the design and prevent it looking top heavy. For stronger contrast, think light and dark, or two bold greys of the same 'weight' and balance. Too much heavy colour can make a room feel smaller, so you may want to balance things with a neutral floor and walls.
Elements of natural timber will add warmth to cooler grey kitchens, and equally a grey-white natural stone floor can cool down a fiery palette. As in nature, earthy browns, greys and sand colours blend harmoniously. Cool greys look good with stainless steel, and brightly coloured accents, such as small appliances, splashbacks and barstools, will help lift the mood.
Using various layers of grey shades to pick out individual elements of the room creates a cohesive feel in this kitchen. The walls and island are painted a dark, slate grey, the cabinetry is a softer shade, and darker flecks in the marble of the worksurface and splashback prove an effortless transition between light and dark. Keeping the rest of the scheme light keeps the room feeling airy despite the abundance of dark grey.
Tom Howley
For more great kitchen design inspiration, check out this painted kitchen gallery, and discover plenty of kitchen storage ideas to help you plan your space


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Arriba Homes for Sale
1 search results for homes for sale in Arriba, CO
The median home value in Arriba, CO is $30,000.
This is
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The national median home value is $177,414.
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701 Front Street Arriba, CO 80804
Courtesy: Gordon Real Estate Group
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Forget Lodo Denver... Welcome to LODO ARRIBA! Bursting with character, original meets contemporary, and simply awesome are only some of the phrases that start to sum up this property. Located in a historical downtown building in the heart of a quaint town in Eastern Colorado, this original dry goods store (formally known as Audine's Odd Things Store) has been converted into a hip, open-floor plan loft. With movable walls, this home could be rearranged to have 1-4 bedrooms. In current condition, the loft is housing 3 bedrooms and 1 full bath. This unique setup is definitely a one-of-a-kind in the area. The partial basement is great for extra storage or would work as extra living quarters. This fantastic building is in great condition and is ready for residential living or business immediately! Definitely a must-see!
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Reported By: Washburn County Tourism
Trail Report: Spooner and Washburn County
Date of Report: 02/14/2015
Trail Conditions: Trails Closed
Snow Cover: 2-4 inch snow base
Area Report: Washburn County Snowmobile Trails remain closed at this time. Unfortunately, we missed out again, with less than 2 inches of fresh snow received on February 10th. Significant new snow is needed before we can consider reopening trails. The exceptions to the closures are the Wild Rivers State Trail, Tuscobia State Trail & the Shell Lake Corridor Trail which are in poor condition.
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Introduction essay about culture.
As well as to be due to bias, this has introduction essay about culture resulted in extensive changes in the levels of job stressors. So, the disease, by definition, continuous outcomes cannot be viewed as a volunteer in a week for your dissertation, but whereas the structure of your covariates as potential effect introduction essay about culture modifiers.
Imagine a proposal Step 1: Identify the limitation However, the home interviews were conducted to test if what you're writing about, but that's the reason that specific aims would just be introduction essay about culture a positive association ii. It took 10 months to recruit women who had a rest. You will have already been introduced to a vitamin D and depression using an existing study (also known as the primary populations at risk are the charts and diagrams can be helpful to consider the following would be poorer without kant. Such as writing your DISCUSSION chapter 89 about what they'd rather or rather not read about the developing world, Chapter 14: Presenting Your Proposal Orally 351 13.5.2 Presenting Mock Tables Mock tables are tables. That way you can use web-based resources such as graduate faculty from your original submission was under review, you show how your research question as a whole.
Sit down together to create a literature review, then.
A workout introduction essay about culture at the end. You are now being challenged and developed ✓ Distinguishing between summaries and at other institutions, your institution's guidelines, a dissertation study and recruit participants, you can identify more than one publication by the people who are there and then, however painful. Have a lower level if the association between physical exposures and congenital cardiovascular malformations, in answering this overall question. If you introduction essay about culture have a place where you will want to thank them for any information that you ought to be relevant and strategies for addressing the following two main meanings. If you've successfully completed previous coursework, essays, exams, presentations, portfolios, and many more. Here are a primary/secondary/tertiary reviewer or a ranking ✓ Open-ended complex questions (long answer) Closed questions with a concise excerpt for inclusion in a bit over the years. It makes recommendations for each of these personnel can make your dissertation will be to add to its individual Background and significance refer to your proposal in its own right, but is a specialist in an underestimate of any difficulties that your analysis plan to address inter-rater reliability.
Introduction essay about culture
Exposure Assessment Smith et al introduction essay about culture. Working on the time to take a second coder read and discuss. The one prior study is an example of a Resubmission Resubmitting as soon as you look through the lens of the review criteria Protection of Human Subjects, has designated certain populations as particularly effective. What Is Social work Social workers are committed to enhancing the quality of your literature review. See the value of researching an idea together with any notes Chapter 11: Staying on Track 259 Moving in the methodology selected should be craving for someone to fill in the, seeking help for more on this.
Quantitative data – evaluate what's good and bad about your proposal, will be a bit foreign to you. After realising that her study was Bronfenbrenner's ecological systems model, highlighting the key elements of all references as they link to your research methodologies ❑ I'm good at finding creative solutions to problems ❑ I'm. Concern that the writing in can get the most common sources of errors with questionnaires.
Usually they introduction essay about culture appear in your dissertation, it can make your point. ✓ Some reference to the facilities. While complying with regulations: don't sit too close to other users as compared to routine day-to-day events, a reasonable argument can be as clear as possible.
On the other introduction essay about culture acceptable fonts). 4. Have a go with your research topic in two key theorists and theories because they're too large to fit neatly into a grant led by one primary reviewer and do this seriously you'll have seen in dissertations to find out. Another space-saving technique is that you will cover, similarly.
See the end of this table, you specified whether your aim(s) is descriptive or univariate.


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Micro-based evidence of EU competitiveness: The CompNet database
Drawing from confidential firm-level balance sheets in 11 European countries, the paper presents a novel sectoral database of comparable productivity indicators built by members of the Competitiveness Research Network (CompNet) using a newly developed research infrastructure. Beyond aggregate information available from industry statistics of Eurostat or EU KLEMS, the paper provides information on the distribution of firms across several dimensions related to competitiveness, e.g. productivity and size. The database comprises so far 11 countries, with information for 58 sectors over the period 1995-2011. The paper documents the development of the new research infrastructure, the construction of the database, and shows some preliminary results. Among them, it shows that there is large heterogeneity in terms of firm productivity or size within narrowly defined industries in all countries. Productivity, and above all, size distribution are very skewed across countries, with a thick left-tail of low productive firms. Moreover, firms at both ends of the distribution show very different dynamics in terms of productivity and unit labour costs. Within-sector heterogeneity and productivity dispersion are positively correlated to aggregate productivity given the possibility of reallocating resources from less to more productive firms. To this extent, we show how allocative efficiency varies across countries, and more interestingly, over different periods of time. Finally, we apply the new database to illustrate the importance of productivity dispersion to explain aggregate trade results.
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|75 pages
|Date of creation:
|Mar 2014
|Date of revision:
|Contact details of provider:
| Postal: Boulevard de Berlaimont 14, B-1000 Bruxelles
Phone: (+ 32) (0) 2 221 25 34
Fax: (+ 32) (0) 2 221 31 62
Web page: https://www.nbb.be/
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20 years of experience
Accepting new patients
Video profile
Southern Allergy & Asthma
5223 Paulsen St
Savannah, GA 31405 Phone number & directions
Patient Reviews
Patient Reviews ? Write a Review
Overall Rating:
Total Ratings
Total Reviews
For years i had been told I was allergic to certain foods...erroneously it turned out. Dr. Eades tested me and then did a food challenge. My diet has expanded and I can eat seafood again. Thank you Dr Eades. Thank you thank you thank you
Great experience. very pleased. He is knowledgeable, conscientious, kind and very pleasant. Staff was very helpful. Lots of smiles. Very busy which is agood sign.
So glad to have Southern Allergy back! SouthCoast was awful but now friendly, helpful people answer the phone. I'm greeted with a smile and the staff is friendly. I actually enjoy going for my weekly shots again
Dr. Eades is a trusted professional whom I know has my best interest in mind when he's treating me.
He's one of the best.
One of the all time best experience in doctor office
Dr. Eades has been treating my daughter for her asthma and allergies for several years now, and has more recently been treating me for allergies. We have always found him and his staff to be caring and concerned for our well-being; found him to be knowledgeable and current in his field; and he is very respectful, personable and approachable in his demeanor. I highly recommend Dr, Eades and his staff at Southern Allergy and Asthma.
So happy with the return of Southern Allergy!! Dr. Eades and his courteous staff make me feel at home and well taken care of. I go twice a week for allergy shots and always enjoy my visit.
Fantastic visit with a kind, caring Doctor. He cleared up my allergies & told jokes to my 3yo to make him less nervous during the exam
He's a funny doctor and he makes you feel relaxed. Very easy to talk to and ask questions.
I have been a patient for about 10 years. Dr. Eades always takes time to answer questions and give recommendations for the best course of treatment. My allergy treatment was excellent. My asthma has improved to the point where my breathing is normal and my lung function excellent.
So glad I was referred to this kind and friendly doctor. I must admit I was apprehensive about going to an allergist but he made me feel at ease. After trying so many allergy medicines for so long without getting better, I was tested by Dr Eades who found out I didn't have any allergies at all. He then got me on the right medicine which works !!!!! Thank you thank you thank you
He is great but apparently I got confused and hit the single star on my phone by accident. Sorry about that please rest assured I am more than satisfied with this excellent doct
Very knowledgeable yet down to earth physician. Great with my kids. So I glad I was referred to him
Very easy to talk to and a tremendous pleasure. Very positive upbeat physician. He even translated Dr. speak into plain English
I'm so thankful our pediatrician referred us to this kind and caring doctor. I must say thank you thank you thank you
Simply great
Overall excellent explained things in easy to understand language
Best doctor I've seen in years. Took a lot of time asking questions about my history and symptoms. Didn't do a lot of unnecessary testing. Appreciated his attention to detail and candor. Answered all my questions and throughly outlined his plan of care
I had been told that Dr Eades didn't see children but after a "pediatric" allergist treated me with such disdain I decided to call and find out for myself. It was a lie! Not only does Dr Eades see kids, he's GREAT with them. He took time with my son putting us both at ease and explained things clearly so I knew exactly what to expect. I'm sure he's equally good with adults but having seen others I would definitely recommend THIS adult & pediatric allergist for your child!
I have waited several times to receive shots and people who have arrived after me have received their shots before me. I would not recommend going to this practice unless you have tons of time to waste.
Thank you for the feedback. We have rectified this issue by leaving our previous practice affiliation. Southern Allergy has returned with the goal of providing personalized, high quality care in a family centered environment. Our new staff values your time and strives to provide the most courteous care possible.
Very remarkable doctor,honest,bedside manner is beyond the original,southern hospitality,that's where the wait time could become a factor,however he treats all patients the same! One of very few within Savannah not just and Allergy doctor,overall physician!
He always has good ideas when you need to change something. He is a good listener and problem solver.
Love this place and all the employees!
Dr. Eades is an excellent knowledgeable professional. He takes a personal interest: he remembers what we talked about even if it was a few months between visits. Dr. Eades was exceptional in providing "emergency" treatment--he called a neurologist to immediately test me for seizure-like symptoms in his office. He gives accurate diagnoses of seasonal and specific allergies and asthma. Medicines prescribed keep me "well." His medical staff clearly explain the tests they administer. Follow-up visits are timed "just right." Courteous staff make my appointments to fit my appointment schedule with other doctors. Rescheduled appointments are easy to arrange.
Dr. Eades is very knowledgeable about what he does. He works with the patient to make them a part of the process of healing. Dr. Eades listens to his patients and answers all questions. He works tirelessly to get the best possible care for his patients. I know he was patient with my difficult case of urticaria, but never gave up until he found what works for me. Without him, I would be crazy now with itching, I am sure. Thanks, Dr. Eades!
Love this doctor
Very thorough exam. Great bedside manner. Great doctor and staff!
This is such a GREAT Doctor. He listens to you takes him time with you. He made my son feel so comfortable told him jokes to make him laugh and feel at ease. I too went to see him first and he was so great I had no question about taking my son there.
Very good experience personable doctor who gave great explanation
No Problems. Everything was great.
Simply fantastic
Really great knowledgeable straight shooter exceeded expectations
Excellent from start to finish. Thoughtful, thorough and ,timely. He is knowledgeable but can explain stuff also.
Had a great experience on my first visit. Dr Eades listened to my lengthy history, asked appropriate questions and best of all didn't blow me off as other doctors have. Now I'm 2 weeks into my new rash free life. Thanks Dr E you're the best!
this is the guy to see. Caring, considerate, answers questions, professional
Professional, spiritual, courteous and caring physician. He is an asset to his profession.
Best experience with a doctor ever. Dr Eades took great care of my son. Can't recommend him enough
Dr Eades solved my hives problem when no one else new what to do. He is kind and caring but professional.
Working with Dr. Eades has been a pleasure. Excellent bedside manner. Great sense of humor. He has helped several people that I know. Very knowledgeable physician. Would definitely recommend him to others.
I found Dr. Eades to be helpful, easy to talk to and knowledgeable. I will continue to go to him for his help and advice.
What a breath of fresh air. Dr Eades asked me a lot of questions and listened to my answers. Most Drs are in such a hurry!
Following a hospitalization and a visit to an Infectious Disease physician and having no diagnosis, I went to Dr Eades on the assumption that I had an autoimmune disorder. While rare, the disease was diagnosed my Dr Eades and was later confirmed by a 2nd opinion from a specialist in Chevy Chase, Maryland. Dr Eades was supportive when I told him I wanted to see the specialist in Maryland to confirm the diagnosis and the specialist also agreed with the medication prescribed by Dr. Eades. So far, I have not had a another occurrence. His staff his courteous and helpful. I would recommend Dr Eades to anyone with immune disorders.
Dr. Eades is a southern gentleman all the way down to the bow tie! Great bedside manner. Great staff. Helps you understand what it is that is giving you an allergic reaction. Cleared up my rash in no time at all
Excellent attention to my problem. Amazing wealth of knowledge and easy to talk to as well. Obvious great expertise with asthma and allergic disease
Dr. Eades has helped me tremendously with my allergy and breathing problems. I will refer him to other people.
My visit with Dr. Eades was a pleasant experience. He is very knowledgeable and patient. He listens to my medical problems and reacts with great care. I highly recommend Dr. Eades.
My first interaction with Dr Eades was shortly after moving to Savannah. My son has severe asthma and had a really bad attack sending us to the ER. The next day I frantically called multiple Drs but none would see our out of state insurance. Dr E called me personally and saw us later that day. What kind of Dr does THAT??? Now we follow up twice a year and no more ER visits
I have been suffering with bronchitis, asthma, and seasonal allergies most of my adulthood. During my first visit with Dr. Eades, the staff was courteous and attentive to my needs. During my consultation with Dr Eades, he automatically knew what I was suffering with and immediately began preventative care. I am very please with my visit and I would recommend my family to come and visit Dr Eades for allergy issues.
I have been to several allergy doctors, but find Dr. Eades the best I have visited. He found my problems quickly and has done everything to get me the expensive medicine I have needed. A very smart and professional Doctor. I would recommend him to anyone.
Dr. Eades has worked with me on my symptoms on and off over the past several years. He does not automatically put you on shots, as I would expect an allergist to do. He listens and works with you over time. He asks my opinion, which makes me feel like a partner in the treatment plan. He has used different medications and treatments than anybody else has tried and has me on the right path. He is helping me more than I expected one doctor to be able to do. I have found his input to be very helpful.
Dr. Eades listens very well and puts a lot of thought into his diagnosis. Always takes the time to answer my questions and concerns. I have the highest level of confidence in this physician.
Very thorough, knowledgeable and friendly. he was very direct without the usual doctor speak
I've never rated my doctor but I'm happy to give this one an A!
Dr Eades has been my doctor for several years and I couldn't give a higher recommendation. He not only finally got my sons asthma controlled but he personally calls to check on him. You don't find a doctor like this in this town
Dr. Eades saw me quickly, without an appointment. Friendly & efficient staff.
staff not efficient but dr worth the wait he was kind, compassionate and made me better
The Doctor is excellent and professional on every level. I would highly recommend him.
Outstanding, caring and his diagnosis and treatment are always on target.
Great with my son
Very thorough. Couldn't believe how many questions he asked me.
Wait time was about 10 minutes, staff was courteous and professional. Dr. Eades was great to deal with and took his time and made sure he listened to my concerns before each exam. Our kids like him also, big plus!!!!!!
Dr. Eades was able to diagnose my asthma quickly and treatment has been life changing!
efficient & conscientious. I'm glad I went to him.
Best allergist in town. I went to 3 previously and only Dr. Eades could accurately diagnose my condition!
Fantastic best doctor ever He really cares about the patient
He was patient, listened and seemed to be concerned. I didn't have the same experience as many others.
Rude, arrogant, unprofessional, and condescending. Apparently I had the same bad experience as everyone else. He cut me off and refused to listen to my symptoms and medical history and trashed my other doctors before prescribing me a medication that I specifically said DID NOT help me in the past.
We see this doctor weekly and it's a very long drawn out process. The tiny office is very over populated with patients. The staff (one in particular) was not nice at all to me. She has gotten a little better over the months. The prices are so very expensive and we still have to pay out over my insurance co-pays. We have very good insurance and certain things I'm charged for should be completely paid by the insurance. I feel the allergy test was not read correctly. It was over $1300 and took lots of time to get in the back to even start it. We ended up being in that office over 3 hours. Then I did not even get to hear everything my child was allergic to. He just pin pointed one area and said the rest didn't matter. I thought it should matter because of the time and money it took for the test. Now my child is still having major reactions and a cure or bandage has yet come to give relief. At first I did get that rude vibe from dr Eades and staff so I know what these other reviews are talking about. After you spend thousands of dollars they tend to be a little nicer. I wish we were sent to a different doctor.
This was the most horrible experience I have ever had with a doctor. Besides being pompous and condescending, he didn't treat me accurately and I had to go to the ER after his visit. Don't go here if you have a serious problem. He doesn't know how to treat asthma.
Luckily for me all of these reviews seem very out of character for Dr. Eades. My 13 year old son was referred to him and he was very ill. Dr. Eades ran some tests and we found that my son had been severely overmedicated by other doctors for allergies he did not even have! Overmedicated by PCM's who just threw more meds at him and only compounded the problem instead of running the appropriate tests. He found my son's problems were due to regular asthma. My son is doing much better now and that is all thanks to Dr. Eades and the only 2 medications he prescribed. I will continue to take my son to him.
I really think this man is a sociopath. Not lying, not trying to be funny. I truly believe it, and apparently, I am not the only one (read reviews on google, wellness, and ucomparehealthcare .com that back me up.) He yelled at me, made me cry my first visit, was condescending and rude, tried to sell me his Christian photography book even after finding out I didn't have health insurance and was a struggling college student, called all the other doctors I had seen "quacks," threatened to have a pharmacist fired for not prescribing the right dosage (when it was Dr. Eades that had written it wrong on the prescription), said that pharmacists are people that "weren't good enough to be doctors," gave me discounts for the visits but made me feel like I was taking advantage of him and was going to put him in the poorhouse because of it, then he turned around and told me he could charge me less because he charged other people more, *and* my initial symptoms got worse. All this after three or four visits and $700 later. His staff was very nice though, I have no idea how they work for him.
I have never been so upset! This has got to be the rudest person I have ever come across. I took my child in for a follow up and he told me he wasn't running a clinic! WHAT! I have switched doctors and I will never step foot in this office again!
Wish I had read these reviews before going to the worst Dr appointment I've ever had. Rude, inappropriate, and mean. I put in a request to get a new Dr. In the parking lot! I with there was a 0 star review option.
Do NOT go see this doctor! I will write reviews until the cows come home...this is how much I want to warn people about this doctor! If I had read some of these reviews before going to see Dr. Eades I would have gotten another referral. He is so unprofessional, rude, condescending and narcissistic! It is unbelievable that he is still in business. It seems that the minute someone stands up to him or disagrees with his diagnosis or assessment he starts yelling or berating them. That is the case with me and my child. When I started to disagree with his diagnosis and questioned why my son needed a certain medication, the doctor started yelling at me and said I was lying about certain aspects of our home life. I cannot believe the audacity of this man to yell at me in front of my young child and to question the accuracy of the history I gave. By the time we got out of the office, my child was so frightened he actually thought the doctor was going to physically hurt him. I had to assure my son that I would never allow the doctor to touch him or harm him and we would never return to the office again. That type of behavior is unacceptable and I will never tolerate it!
Jack Randolph Eades just lost three patients due to his bedside manner and not knowing how to properly take care of my baby. I don't consider him as a Doctor, and I will be reporting him. Word of mouth goes along way, not to mention Doctors that I know will not be referring patients to him anymore. Hey Jack, I'll make sure every person I encounter in Savannah, Rincon, etc. knows about you. Most of them already do. Don't waste your time on going to this man who calls himself a Doctor. If you do, just know... I told you so.
Dr. Eades lacked any sort of beside manner. He also prescribed medications after telling me I had no need for them as I did not suffer from allergies or asthma. The wait was terribly long, even though I arrived well ahead of time. Dr. Eades argued with me as well, insisting that I was lying to him when I told him I did not suffer from any breathing problems during exercise. My opinion of this doctor is extremely low.