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Doogue & O'Brien Criminal Lawyers Moorabbin
Legal Advice, Legal Representation, Law Firm
servicing the Moorabbin Justice Centre, Doogue & O'Brien's new Moorabbin office is located at Level 1 441 South Road, Moorabbin. Our phone number is (03) 9556 5467.
Also referred to as the Moorabbin Magistrates' Court by many, the Moorabbin Justice Centre functions and dispenses justice in the same way Magistrates Court does. The concept of the Justice Centre was introduced by the previous Victorian Labour government.
With 3 other offices located in Broadmeadows, Melbourne and Heidelberg, Moorabbin is the fourth Court-based office, the plans of which have been in the making for a while, in order to better serve our clients appearing in Melbourne's major Courts. As our lawyers have regular appearances at Moorabbin, we can now better deal with administration arising from Court hearings and facilitate appointments in Moorabbin and surrounding areas. Our lawyers appear in all Melbourne Metropolitan and regional Victorian Courts daily.
Almost every Melbourne suburban Court is well serviced with nearby Solicitors offices, however, the Moorabbin Court seems to lack the same concentration of lawyers' offices as it is situated on the Nepean Highway at a location that has no office space.
If you need to speak to a lawyer to discuss your criminal law case or have a matter at Moorabbin Justice Centre, please call us on (03) 9556 5476.
Doogue & O'Brien Criminal Defence Lawyers Moorabbin
Level 1, 441 South Road
Phone: (03) 9556 5476
Moorabbin Justice Centre
1140 Nepean Highway
Phone: (03) 9090 8000
Fax: (03) 9090 8001
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Mother holds bike safety clinic in memory of son
WHITEHALL, Pa. - Five years after her son was killed in a bike accident, Julie Stauffer is hoping bike safety clinics can help other families avoid a similar tragedy.
"A bike is not really a toy. You might get it from a toy store but it's not a toy," Stauffer said.
Stauffer held a bike safety clinic on Saturday in Whitehall in memory of her son Sage, who died in 2010 after flipping over the handlebars of his bicycle while riding near a park in Catasauqua.
"He told me there was something wrong with his bike. We never thought about it again," said Stauffer.
Stauffer believes Sage's accident was caused by faulty brakes on his bicycle and is hoping other parents will hear her story and check their children's bikes for big or small problems.
Stauffer used money raised by the Sage Stauffer Memorial Soccer Tournament to host the first Bicycle Safety Clinic at the Whitehall Rec. Fields.
Kids who attended got free bike helmets and a bike tune-up from Fitness Central technicians.
Stauffer says she feels good knowing children will leave her clinic with knowledge to help them be safer.
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It's amusing to think back to one year ago and wonder what we were doing. I can tell you what I wasn't doing – writing a ski article or promoting the slopes. Last year, there was no such thing as spring skiing or days on the snow in April. March 2012 saw to it that the resorts packed it in early. Thankfully, March 2013 did the opposite, making it next to impossible for the resorts to turn their backs on the awesome winter weather and close. Here we are, April 3, 2013, and I'm encouraging you to hit up the Homestead, Snowshoe, Winterplace, and Wintergreen, at least one more time!
Today is the very last day of skiing/snowboarding for the season at the Homestead. They have five open trails, both running lifts, a base of 18 to 32 inches, a mostly sunny skies. Looks so nice >>
It could also be the final day of the season for Winterplace… I'm still waiting for their announcement that they're extending the season even longer, through this weekend, but nothing has changed as of yet. Their site still reads "We Are Extending The Season To Wednesday, April 3, 2013 and maybe longer!" No matter the case, it's going to be a beautiful day there, as well. All 27 trails are open with three running lifts and a base of 36 to 60 inches.
The third and final place to enjoy some winter fun today is Snowshoe.
A bluebird day with great spring conditions in store for those here on the mountain today! It's been an amazing season with 187 inches of snow including FIVE feet in March! And you still have more time to enjoy it. Join us as we soak up the last moments of this epic season. You have until this Sunday, April 7, to do so. Snowshoe's sporting a base of 36 to 56 inches, 34 open trails, and five operating lifts.
Last but not least is Wintergreen, who's anxiously awaiting and preparing for their final day. "One more day to ski and ride. Make history with us on our latest open day ever, Saturday, April 6." They just posted on Facebook, Not only do we plan to have at least 80% of our terrain open this Saturday (including Terrain Parks!), we're also going to offer two sessions of Tubing at The Plunge, at 10am and 12pm. Tickets are already available online, so grab 'em quick!
What's it going to be, guys? You have three entire seasons to enjoy warmer weather activities. Only one season brings snow.
Email me at email@example.com.
Snowshoe Resort is Hosting Our SkiSoutheast.com Summit March 3,4,5th and YOU are Invited!
We think we have put together what should be the best deal we've ever had for this event and we want you to come and join the fun. It's always great to play at Snowshoe and to do so with 20% OFF Lodging, and a Free Sunday Lift Pass is a great deal. We are ALSO giving away TWO Free Snowshoe Season Passes, Free TShirts, boggans, stickers, hats and more. Click HERE or on the Graphic below to see more information, book and JOIN US.
If you like skiing or snowboarding and you want to meet some new friends and get 20% OFF LODGING, a Free Sunday Lift Ticket AND be able to ski the slopes before ANYONE ELSE on the mountain…join us March, 3rd, 4th and 5th.


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10 yr Italian Yields Sitting On Support After Monster Rally
10 yr Italian yields sitting on support after monster rally of the last few days.
If you need to get up to speed on this topic...
Watch The Pandemic Bank Flu Spread From Italy To France To Spain: To Big Not To Fail!!!
Italy's Woes Spell 'Nightmare' for BNP - Just As I Predicted But Everybody Is Missing The Point!!!
How Long Does It Take For Losing Money To Result In Lost Money? The Effects Of Rampant Bond Selling on Devalued Sovereign Debt
ZeroHedge Is Good In Uncovering BS, But I Will Not Be Outdone In Busting BS Bank Reporting - I Simply Refuse, Right BNP?
Where Are The Ratings Agencies Before UK & German Banks Go Boom? How About Those Euro REITs? Agencies Anybody?
French Banks Can Set Off Contagion That Will Make Central Bankers Long For The Good 'Ole Lehman Collapse Days!
Panic Buying?
From Eurocalypse:
litteraly... credit btp france, equities everything. charts dont mean anything anymore...never seen such a thing... nobody wants to play anymore... even those rallies are not good for the mkt... extreme vols make for extreme VARs and reduce automatically the risk taking ability of dealers in terms of volumes at a time when debt auction sizes increase etc... the pain trade is that RISK assets perform for the time being... in spite of the worsening fundamentals
Trading Tips & Market Commentary Oct 11th
Trading Tips October 11th
Below, please find the latest trading commentary from BoomBustBlogger and institutional trader, Eurocalypse...
Hello BBB,
I must admit that lately I had a bad week, and among the ones disappointed and disoriented by the very recent vicious price action in financial markets. If you are not, congratulations; if you are, lets not punish ourselves too much, and lets do the sensible thing ie reduce risk and take a step back and look calmly at charts and info again.
Looking at the European markets, notably the CAC, I thought that the failed attempt to break 3025 on a closing basis on Friday Sep30th meant the resumption of the bear as the engulfing pattern wasnt completed. Well that was wrong; or maybe only half-wrong but half wrong is wrong.
So, what I was looking for was a bullish reversal signal was a bullish engulfing pattern (at the lows) in the weekly chart
Technicians don't all agree on the definition, the more agressive ones focus just on open and close ignoring highs and lows. The most restrictive definition is for the whole previous bar to be engulfed. On my own definition, i like for bullish (bearish) patterns for an engulfing pattern which includes the previous candle's high (low), not necessarily the low (high); and that finish the candle on a bullish note if zooming to a higher frequency chart.
Well the market did trade very weak on Monday Oct3rd and Tuesday Oct4th nearly revisiting the lows (thats the « half right ») only to bounce with a vengeance, taking out 3025 and running higher...closing at 3161 on Monday oct10th.
Anyhow, any trader going long on Friday's close or Monday's open on the basis of that pattern, had to have strong nerves as the price action was very scary until Tuesday...
So I will let you decide about all this discussion and the futility or not of trying to look for these kind of things. I will also mention that the bounce in stock markets in 2009 was initiated without this kind of signal.
Its a bit disappointing as I had been repeating for some time that European markets were oversold and that we were due for a bounce. I also thought that the skew in options gave a good incentive to buy calls as the risk/reward was in bullish trades and not anymore in bearish trades.
The newsflow had been very negative, and lets say it again, until proof of the contrary this is a bear market, and if politicians and ECB doesnt do anything, the banking system in Europe will implode, and it might implode even if ECB intervenes. But lets be honest. Being bearish now is a common view. BBB has given a lot of prescient calls but read the FT or WSJ interviews from portfolio managers or analysts, hard to see anyone very positive around now. Even when fundamentals are horrible, if there is no more seller, then the market can only go up, at least in the short term.
What were the important news this week ? Dexia I think... We've seen DEXIA go bust. Not a surprise to me. As an industry insider, Dexia (and Depfa) were among 2 big names known to do dumb things and very good « clients » of bigger banks. In bankster language, a « good client » is someone you can rip off well...What was a semi-public entity whose mission was supposedly to lend money to french and belgium municipalities. What the hell were they doing with subprime, or buying 30Y greek bonds on a highly levered basis refinancing on the money and interbank markets ??? sheer greed and stupidity...contagion assured as Dexia is a big counterparty in derivatives markets and has sold a lot of debt. Municipalities will have a hard time to refinance. My guess is Dexia total cleanup bill will be at least the 10-20bn EUR range probably with much more than that in guarantees. Not bad for a medium sized bank, and that's 25% of the EFSF...
Also weve seen continued downgradings. I just cant remember who and how many of them but i didnt hear of anyone being upgraded last week. Personnally more than the grade itself, its the yield that matters (remember Japan was downgraded in 2001 and in June 2003 10Y yields hit 0.5% !!). Italian and Spanish yields are still in an uptrend and if that doesnt change the bear market is not over. And MAYBE only the ECB might change that in a short time frame. For me 5.25% needs to in 10Y BTP yields for the current uptrend to be broken, and Id like to see 5% broken to call it all over. We are a far, far away from that today.
Personally i think the politicians will seize the ECB and that we will see fiscal union and massive monetization, together with recapitalization/nationalization of private european banks because there is nothing else to do (from their point of view). If that happens, however bad it may be for the long term, banks valuation will radically change (at least in the short term) as the systemic risk is kicked further out. There is a lot of uncertainties. Sure, banks will have to shift to a new business model, with less leverage, much lower returns, and they will have to eat govt bonds in their balance sheets as they will be invited to do so. No need for EFSF to buy govt bonds, banks will just do that. In that scenario, sovereign debt and banking sector are « saved » BTP and Bonos yields go down massively boosting (=no longer hitting) the capital of those banks. But longer term, no more derivatives game, no more leverage, no more yield, eroding margins, means utility type business model, need to merge those new « semi-public » entities.
Anyway even in this scenario, confidence in the financial system will be very low with ever higher debt/gdp ratios until the real fireworks begin with the sovereign crisis hitting core countries (US, UK, Germany, France, Japan, Italy...)
But lets not forget a stock like BNP was trading near 50 only 3 months ago when we recommended shorting it, and it more than halved at one stage. So on a lot of metrics, it is a cheap stock (at least cheaper than we sold it :-) ) and oversold so there is scope for a recovery in price without fundamentals changing and not the broader trend changing. I know a French HF manager who was bullish around 27, and he must be happy. But he had a modest 35 target...
Personally i dont want to be sucked in this kind of stuff. Had he bought Dexia instead...
Same for stock indexes, they were more expensive a while ago (but cheaper only a few days ago...)
So what are the new technical levels ?
On the CAC (3137)
Once 3025 has been broken, the natural objective is 3260-3280 which on the weekly chart corresponds to the close of the first violent decline in the early days of August, and caps the highs of the 2 following weeks and the squeeze attempt in the last days of August. It is also roughly were the upper bollinger band sits. Actually there is a local declining trendline with resistance nearer to current levels which i see at 3180 but its being threatened to be taken out.
The roughly 235 point rally objective is also consistent with the fact that the lowest weekly close is contained by 3025-235 = 2790
In the bulls case, looking at the weekly chart, we have to admit there is a divergence in the RSI and stochastics. But i dont think it means more than the 3260-3280 objective. The bulls can also argue that the weekly DMI is extremely strong and that a stronger technical correction is overdue.
On the monthly chart, we can see we are very far from the moving average, and a rally to for example 3400-3450 wouldnt change the broader trend.
However, i would note that if we close this month on a strong footnote above 3310, thats a bullish engulfing reversal pattern !! I dont favour this scenario at all, but we have to keep our mind open; and i dont know for you, but ill put all my structural bearish bets off for a while if that happens.
On the SP (1183)
same kind of chart, but with the market even more reluctant to sell off, witness the candles of the 2nd week of August or 1st week of October which indicate strong and swift buying at the lows. And divergences in technical indicators RSI, stochastics. 1220-1240 is the level to watch on the upside, if it breaks, one should back off for a while I think. But its also the place to try to go short with tight stops.
Financials have been weak. We're looking at the next Armageddon trade. We hate GS (96) at BBB, but we think it has much more downside potential if/when everything blows up. But, the trendline channel support seem to have worked for GS which has lost more than 40% YTD. I personally prefer to be modest and thank BBB to have given realistic band valuations for the likes of GS and BNP and even if the risk is on further downside, I believe now is a place to reduce risk.
EURUSD (1.361) has been correlated 1to1 with stocks. With yesterday's big move in the EUR, i do feel stupid to have given a recommendation to stay short last week at 1.335. Eu(ro)phoria is not good for trading ! I should have set a stopwin. Weve recommended shorts since 1.41+ so its not a total disaster, but personally, ill go out for money management puposes. Actually 1.385/1.39 the moving average is quite near and is the zone where new players not involved should like to go short, because nothing changed...so LT players should stay short, but long term player am I not...
Also, whats also the point to hold similar positions in correlated assets ? None i think. Unless there is a specific and timely technical signal we (try to) get right.
Gold (1660) is still healing, I favour building longs cautiously on weakness around 1550-1600 again but i dont expect strong quick gains now. Here is the monthly chart. Please make up your own mind following the earlier discussion on engulfing patterns.
Remember trading is not about getting all calls right; not even about getting more than 50% right, but about making and managing money. I prefer to miss a trade than to be involved in a messy trade. I am more in wait and see mode here. Luck, as usual, is also very important of course. I wish good luck to you all.
Subscribers, Look To The Discussion Forums
All paying subscribers, please make more use of our private discussion forums. I've left a not there about my position in Apple to get the discussion started.
Hunting the Squid, part 4: So, What Else Can Go Wrong With The Squid? Plenty!!!
Yes, this more of the hardest hitting investment banking research available focusing on Goldman Sachs (the Squid), but before you go on, be sure you have read parts 1.2. and 3:
- I'm Hunting Big Game Today:The Squid On A Spear Tip, Part 1 & Introduction
- Hunting the Squid, Part2: Since When Is Enough Derivative Exposure To Blow Up The World Something To Be Ignored?"
- Reggie Middleton Serves Up Fried Calamari From Raw Squid: Market Perceptions of Real Risk in Goldman Sachs
So, what else can go wrong with the Squid?
Plenty! In Hunting the Squid, Part2: Since When Is Enough Derivative Exposure To Blow Up The World Something To Be Ignored?" I included a graphic that illustrated Goldman's raw credit exposure...
So, what is the logical conclusion? More phallic looking charts of blatant, unbridled, and from a realistic perspective, unhedged RISK starring none other than Goldman Sachs...
And to think, many thought that JPM exposure vs World GDP chart was provocative. I query thee, exactly how will GS put a real workable hedge, a counterparty risk mitigating prophylactic if you will, over that big green stalk that is representative of Total Credit Exposure to Risk Based Capital? Short answer, Goldman may very well be to big for a counterparty condom. If that's truly the case, all of you pretty, brand name Goldman counterparties out there (and yes, there are a lot of y'all - GS really gets around), expect to get burned at the culmination of that French banking party
I've been talking about for the last few quarters. Oh yeah, that perpetually printing clinic also known as the Federal Reserve just might be running a little low on that cheap liquidity antibiotic... Just
giving y'all a heads up ahead of time...
And for those who may not be sure of the significance, please review my presenation as the Keynote Speaker at the ING Real Estate Valuation Seminar in Amsterdam, below. After all, for all intents and purposes, Dexia has officially collapsed - [CNBC] France, Belgium Pledge Aid for Struggling Dexia... and its a good chance that it's a matter of time before BNP follows suit - exactly as BoomBustBlog predicted for paying subsccribers way back in July.
A step by step tutorial on exactly how it will happen....
- The Mechanics Behind Setting Up A Potential European Bank Run Trade and European Bank Run Trading Supplement
- What Happens When That Juggler Gets Clumsy?
- Let's Walk The Path Of A Potential Pan-European Bank Run, Then Construct Trades To Profit From Such
- The Anatomy Of A European Bank Run: Look At The Banking Situation BEFORE The Run Occurs!
- The Fuel Behind Institutional "Runs on the Bank" Burns Through Europe, Lehman-Style!
- Multiple Botched and Mismanaged Stress Test Have Created The Makings Of A Pan-European Bank Run
- France, As Most Susceptible To Contagion, Will See Its Banks Suffer
- Observations Of French Markets From A Trader's Perspective
- On Your Mark, Get Set, (Bank) Run! The D…
- ECB As European Lender Of Last Resort = Institutional Purveyor Of A Pan-European Ponzi Scheme
The European banking debacle was predicted at the start of 2010, a full year and a half before this has come to a head. If I could have seen it so clearly, why couldn't the banking industry and its regulators?
Now, back to GS, and considering all of the European falllout coming down the pike, of which Goldman is heavily leveraged into, particulary France (say BNP/Dexia/etc.)...
Let's go over exactly how GS is exposed following the logic outlined in the graphic before this series of videos, as excerpted from subscriber document Goldmans Sachs Derivative Exposure: The Squid in the Coal Mine?, pages 3,4 and 5.
There you go. The markets and the media have concentrated on Morgan Stanely because Goldman has successfully hid much of its risk from those who didn't subscribe to BoomBustBlog. Of course, those who did subscribe picked up those puts ridiculosuly cheap, and are/will reap the benefits as the TRUTH goes VIRAL!
Those who wish to jump on the gravy train of our next US bank analysis featuring those susceptible to this malaise can subcribe here and now!
The many ways to reach Reggie Middleton:
Or simply email me.
Meet Reggie Middleton in person in NYC and London!
I will be hosting two BoomBustBlog meet and greets, for those who aren't too put off by my truthful, fact-based style. One in the next couple of weeks in a swank, pretty people laden lounge in downtown Manhattan, and the other potentially in London in mid-November - both wherein we sit down and chew the fat about things financial, global macro and socio-economic over drinks and heated debate. I will have plenty of gratis BoomBustBlog research there as well. Those who are interested should email the blog Customer Support for info.
Eurocalypse trade opinion, 10-3-11
New trading opinion available from Eurocalypse, subscribers ony: Eurocalypse trade opinion, 10-3-11
Trading Analysis, Recommendations and Market Commentary From Eurocalypse - 9/27/2011
key word: Patience
Hello BoomBustBloggers! Eurocalypse here to share a few thoughts about the market. I'd like to open this post with a much loved topic among the blogosphere and its readers, aka gold.
I'm sure I received quite a lot of scorn and criticism when I said that Gold was NOT a no-brainer buy for the LT (see past Eurocalypse commentary), and to avoid buying it when it was in the high 1700. Of course, it did squeeze more to 1900$, but I think the price action demonstrated that I was basically right, that there was a lot of speculative longs, and that Gold (denominated in USD) IS correlated to the USD index, more than the stock market.
Well I also said the objective for a retracement was the monthly moving average low 1600s, high 1500s so here is how the charts looks now (click an graphic to enlarge).
Oh! I like very much that candle touching the MA and bouncing there just after. We can zoom on the weekly and daily charts to see better what happened...
We touched the Bollinger low on the weekly. I'd say that was a double reason to buy at that level, together with the monthly MA level. That was a fantastic buy opportunity for the patient and opportunistic trader.
Subscribers (click here to subscribe) can download the entire 6 page commentary (which is quite interesting) as well as recommendations on winding down the profitable SPY pair/fly trades here Trading Tips Sep 27th 2011.
Trading Tips Update Sep 22nd to 23rd
Below is the latest from Eurocalypse. Before we get to his opinion, let's remember... This time really is different! Einstein has his definition of inssanity, but Middleton says the definition of a cental banker/planner is more and more borrowing & expecting insolvency this time around. Reggie, logging off (for now).
First I (Eurocalypse, the credit trader) must apologize for not updating for a while despite those very volatile markets. I am currently on a business trip in Europe, totally jet lagged, and with a lot of personal stuff to fix.
Well, Reggie has been totally right in his call for the French Bank Run as the French banks have continued to being hit hard, especially BNP, Socgen and Crédit Agricole. Paribas is looking for capital when their stock is at 23 and they denied they needed any
Last updated: September 22, 2011 9:27 am
BNP Paribas in Mideast push for funding
By Patrick Jenkins in Singapore, Alan Beattie in Washington and Sharlene Goff in London
French banks could push Europe "into a full-blown banking crisis" that "renders certain another economic recession," Mohamed El-Erian, chief executive officer of Pacific Investment Management Co., wrote in a commentary on the Financial Times' website.
"There are all the signs of an institutional run on French banks," he said. "Europe is on the verge of losing control of orderly solutions to its debt crisis." Credit markets are pricing the chances of French banks defaulting at levels that indicate a "BB" rating, "which is fundamentally inconsistent with sound banking operations," El-Erian wrote.
El-Erian said governments and the European Central Bank must work together to inject capital into banks and to protect depositors.
I will not go into details about all the debt crisis, Reggie is doing a wonderful job, and there are plenty of very good articles in the usual places (ZH, FTAlphaville, just to name a few).
However what I find interesting, and which is not difficult to judge for non-Europeans, is that clearly the mindset of people, including politicians has changed here. Reading French mainstream newspaper like Le Monde, les Echos, le Figaro... there is clearly the realization that things cant go on like this and the prospect of a deeper and systemic crisis is real.
For example, the day before, there was a long debate on French television showing the ex-French minister of Industry (under Sarkozy), far-right Marine Le Pen who is anti-immigrant and anti-Euro, socialist Cahuzac whos heading the finance commitee in the House of Representatives, and an economist.
Well the 2 mainstream parties were of course pro-Euro, and for helping Greece, but the 2 others against, and clearly the Socialist and the Sarkozist were not at ease during the debate.
The economist said yesterday on the prime time evening news that there was no other choice than for the French govt to enter in size in the capital of the banks (magnitude 10bn each...). There is no more taboo in the media to talk about these scenarios.
Yesterday, Le Monde's headline was "Zone Euro Peut-on encore éviter la catastrophe" which can be translated as EuroZone, can we still avoid disaster???
Basically everything which was dismissed as fantasy is now gaining credibility with the events unfolding, and one can feel that even governments dont believe their own words or lies, which are perhaps only destined just to calm markets and people, but in reality they feel helpless.
The average French guy grasps that, and believe me they are not very optimistic about the future.
One thing is becoming clear:
The European banks, and the French banks in particular, will be RBSised, with the state the only entity who has the firepower to put money in it. contrarily to 2008 where in France there were just loans (which have been all repaid in full), this time, probably it will be de facto nationalization as the stock is so low, with the dilution effect, if private participation is not enough, the French govt will end up owning 30%-50% or more of the likes of SG BNP CA...There is now public and political pressure from all sides to do that, and the govts wont be as generous as the Dexia deal when they overpaid at the time... the price will be at the current quote, with a discount more likely than a premium paid. However, the market in those stocks should enjoy a huge short term rally (maybe like 50% to 100%) on the announcement, even if that proves short lived. Even PIIGS would stabilize somewhat as the fear of massive liquidation from the banks subside.
Then, in time, they will merge up the retail banking activities and investment banking activities and try to sell them separately. Good luck with that, with all the new stringent regulation in place, banks will never be able to have so much leverage as before, will fight to earn a dime with govt bonds. Actually it will be "sound" policy (from the new govt imposed management) to buy more govt bonds, even PIIGS if necessary.
At the same time there is a crackdown on bankers, bonuses, and all kind of taxes are going up, including capital gain taxes. There is a strong shift towards this. In France or Germany, the Left parties (Socialists in France, SPD and Green in Germany), which are pro-European are gaining ground. The anti-Euro parties are gaining ground as well, but Left seems a clear favourite right now to win the next elections in France (personally, I think it will be a tight race between the Socialists and the Far Right). It probably means more state intervention, higher taxes, a Federal Europe, repressing the financial sector. I also think they will try to avoid sovereign defaults by all means, including massive ECB monetization (talking trillions of Euros, 10x times the current ECB program..) and FORCING the recapitalized banks to buy all the govt debt.
In such a scenario, Id like to make a remark, if they succeed in that and BTPs yield -say- 2%, a lot of the current issues we are discussing would disappear, that would be the Japanization of Europe. Some will say it will be worse than allowing defaults, and that may or not be true, but it would have definitely a lot of impact on the markets. Food for thought.
On the markets
As I write, after the FED, the stock markets resumed its selloff led up by financials and Europe crashing again. (CAC 2800 -5%) Click to enlarge...
Also the USD is continuing its massive strenghtening against virtually everything EUR, CHF, CAD, AUD, GBP, but also Asian Currencies are hit very hard too (except the JPY for now). There is a rush for USD and deleveraging is in full mode. Our bearish call for EURUSD to keep its downtrend is a hard winner. I still believe low 1.20s is achievable in a short period of time.
I had recommended earlier to get out of our short on BNP when it was still trading 27, more than 15% up than now, but hey, the stock did trade above 30 thereafter. My motivation was not to say that was THE LOW on BNP. I fully agree with Reggie that the stock could go to 20,15,10 or 0 if/when it gets ugly.The thing is about risk/reward. a 10% move today is only a 5% move compared to when we recommended shorting the stock. Implied vols means a 7% daily move in the stock is noise only (1STD).
And my stance is a bit different from Reggie (we cant agree on everything). I spoke to a clever HF manager yday, and he believes the stock could easily be worth 35 if the govt puts a big ticket in BNP. If the govt puts 10bn in all French banks at the same time, I think its not unwise to believe this will happen in a matter of seconds. BUT, I replied to him as well, waiting for this to happen, we could see the stock down to 20,15,10 and still see 35 behind! Remember 2009. Banks are being squeezed by (USD) liquidity and some kind of run starting.
Its becoming a casino now and insiders have a clear advantage on us. Play at your risk. But a way to minimize risk in a bear market, is to sell bounces, not to try to go long to catch the falling knife, but also not to try to sell with the momentum as there are always vicious squeezes. bear markets trade sideways or up most of the time!
On SP, which was resilient to selloff, well I will admit that yday before the FED I was feeling quite nervous with the positions with a fear of a squeeze, as the Daily Chart wasn't overbought yet. However the 1210-20 level (where we recommended to sell calls to buy put spreads in previous comments) was also the Weekly MA10, which was retested and now were heading logically lower again. Luckily (or not ) I'd say, our recommended strikes fit well with the price action.
(More to come soon, sorry for the short post).
Opposing opinion
This is Reggie here, forcing my two cents into this post (the rest of these posts regarding trading strategies and tactics will be subsciption only). I have no doubt the French government along with the other EU governments will try to bail out their banks again. The issue is that the bailout is not the question, neither is the success of said bailouts. The fact of the matter at hand is that they simply can't afford to bail them out. I have predicted FIRE sector (including banks) failure at a commendable rate (see Did Reggie Middleton, a Blogger at BoomBustBlog, Best Wall Streets Best of the Best?). It's not rocket science, though. It's simply (and actually quite simple, since my 10 year old can do it) math, coupled with a pliable understanding of human nature couped in grasp of history. Listen, it was the (attempted) bailing out of the banking system that got these countries in this situation to begin with. Bailing out the banks just two years later??? Do you really thing that will help the sovereign debt situation or hurt it? If the bailout goes through, you eat the small losses (relative to the big gains that BoomBustBlog delivered subscribers) and roll your gains directly into bearish positions on the bailing sovereigns. It's really just that simple. Don't belive me, let's look at history...
So, as I was saying...
Since the problems have not been cured, they're literally guaranteed to come back and bite ass. Guaranteed! So, as suggested earlier on, download your appropriate BoomBustBlog BNP Paribas "Run On The Bank" Models (they range from free up to institutional), read the balance of this article for perspective, then populate the assumptions and inputs with what you feel is realistic. I'm sure you will come up with conclusions similar to ours. Below is sample outout from the professional level model (BNP Exposures - Professional Subscriber Download Version) that simulates the bank run that the news clippings below appear to be describing in detail...(Click to enlarge to printer quality)
A detailed and accurate picture of what is happening...
- Now That European Bank Run Contagion Has Started Skipping Across That Big Pond... US Bank Risk Stands Woefully Underappreciated!!!
- The BoomBustBlog BNP Paribas "Run On The Bank" Model Available for Download
- BNP Bust Up: Yet Another Reason Why BNP Paribas Is Still Ripe For Implosion!
- Most Headlines Now Show French Bank Run Has Started, And It's Happening Just As Our Research Anticipated
- I Will Fly In The Face Of Common Wisdom & Walk Through A Run On BNP On International Television
- And The European Bank Run Continues...
A step by step tutorial on exactly how it will happen....
- The Mechanics Behind Setting Up A Potential European Bank Run Trade and European Bank Run Trading Supplement
- What Happens When That Juggler Gets Clumsy?
- Let's Walk The Path Of A Potential Pan-European Bank Run, Then Construct Trades To Profit From Such
- The Anatomy Of A European Bank Run: Look At The Banking Situation BEFORE The Run Occurs!
- The Fuel Behind Institutional "Runs on the Bank" Burns Through Europe, Lehman-Style!
- Multiple Botched and Mismanaged Stress Test Have Created The Makings Of A Pan-European Bank Run
- France, As Most Susceptible To Contagion, Will See Its Banks Suffer
- Observations Of French Markets From A Trader's Perspective
- On Your Mark, Get Set, (Bank) Run! The D…
- ECB As European Lender Of Last Resort = Institutional Purveyor Of A Pan-European Ponzi Scheme
Stacy Summary: We interview Reggie Middleton about a run on French banks. I notice today that Pimco's El-Erian is also talking about a run on French banks. He must have watched the Keiser Report when it aired from late last night PDT. We know you're taking our shtick Mr. El-Erian, we've got our eye on you!
Go to 13:07 marker in the video, contrast and compare and consider watching the smaller more independent shows for the real scoop every now and then.
For some back ground on the "Kick the Can Triumvirate Three" [BBB Trademark], go to 20:50 in the video and dedicate 5 minutes to it...
My April presentation in Amsterdam as Keynote detailing the inevitable...
Amsterdam's VPRO Backlight and Reggie Middleton on brutal honesty, destructive derivatives and the "overbanked" status of many European sovereign nations
Amsterdam's VPRO Backlight and Reggie Middleton on brutal honesty, destructive derivatives and the "overbanked" status of many European sovereign nations
Again, I believe the next big thing, for when (not if, but when) European banks blow up, is the reverberation through American banks and how it WILL affect us stateside! Subscribers, be sure to be prepared. Puts are already quite costly, but there are other methods if you haven't taken your positions when the research was first released. For those who wish to subscribe, click here.
Note: This bank has members of its peer group who have been identified as at risk, but no one has pulled the covers off of this one as of yet. I think I may blow the whistle. It will be a doozy, and a potentially very profitable one at that since nearly 3/4 of it tangible equity is embroiled in a region that looks like it is about to blow up. As I type this, some of the puts have already doubled in price. I will be releasing additional analysis on this bank this weekend for paying subscribers.
The BoomBustBlog BNP Paribas "Run On The Bank" Model Available for Download
Does anyone truly wonder why so many seemingly smart people in such high places of power fail to see the obvious difference between a lack of liquidity and true insolvency? I don't! Everyone knows what time it is, they just don't want to admit that they looked at their watch!
It appears that we have successfully hit another home run with out BNP short call in the beginning of the third quarter (Bank Run Liquidity Candidate Forensic Opinion, over 50% decrease in price), and apparently timed the bull run with underpriced call options to the upside as well (Trading Opinion and Analysis 9-14-2011) as BNP rallies on nonsense news adding puff and premium to those cheap calls. This post is a constructive followup to the quite popular piece earier this week wherein I took the wraps off of our prime French bank run candidate. If you haven't read it yet, I strongly suggest you peruseThis Is Why BoomBustBlog Is THE Place To Go For Hard Hitting Research: BoomBust BNP Paribas?
The media has been awaken to the BNP situation a little more than a quarter after we prepped BoomBustBlog subscribers, as is exemplified by the following:
- BNP Launches Restructuring Plan Wall Street Journal
- BNP Paribas Bonds Tumble Amid U.S. Money Market Funding Concerns San Francisco Chronicle
- BNP Paribas Bonds Tumble Amid Concerns Over Funding in U.S. Money ... Bloomberg
Now, that the perception of panacea is being traded upon, that is panacea in the form of liquidty attempting to solve solvency issues, we will now attempt to illustate the folly of such...
Stocks Jump as ECB Offers Loans to Banks [Bloomberg]
Stocks and the euro rose, while Treasuries slid, as the European Central Bank and international policy makers coordinated to lend dollars to banks to help tame the credit crisis. Energy and metals led commodities higher.
... The ECB said it coordinated with the Federal Reserve, the Bank of England, the Bank of Japan and the Swiss National Bank to extend three-month loans to euro-area banks in an effort to ensure they have enough cash for the rest of the year. The announcement added to optimism that policy makers were containing the European sovereign debt crisis after the leaders of France and Germany yesterday confirmed they will support Greece's continued participation in the shared euro currency.
"It is about protecting the liquidity of the European banks," Howard Ward, a money manager who helps oversee about $36.1 billion for Gamco Investors Inc. in Rye, New York, wrote in an e-mail. "The private sector has pulled back from funding these banks. So central banks are stepping in to make that dollar funding available. Good news is the banks get their dollar funding. Bad news is that the situation has gotten this dire."
... The Stoxx 600 advanced for a third day, climbing 2 percent, as banks led gains in all 19 industry groups. BNP Paribas SA surged 12 percent in Paris and Italy's Intesa Sanpaolo jumped 8.4 percent.
May I take this time to congratulate resident trader Eurocalypse on a most wonderful call, referencing the trading opinion from9/13 and 9/14 - Trading Opinion and Analysis 9-14-2011
A very, very well timed call indeed. Now, back to the Bloomberg article...
"It's nice to see that the risk factors coming out of Europe are abating somewhat," Michael Mullaney, who helps manage $9.5 billion at Fiduciary Trust in Boston, said in a telephone interview. "That addresses the liquidity issue that would be threatening the European banking system."
... The cost of insuring European sovereign and corporate debt extended declines after the ECB announcement and as the prospect of default by Greece receded. The Markit iTraxx SovX Western Europe Index of swaps tied to 15 governments dropped 13 basis points to 330 as of 2:45 p.m. in London, the lowest since Sept. 9 and signaling an improvement in perceptions of credit quality. Swaps on France fell 10 basis points to 171, contracts on Italy dropped 29 basis points to 442 and Spain fell 22 basis points to 370, CMA prices show.
Cheap dollar funding is not going to help BNP anymore than it helped Lehman. I have prepared several models to illustrate such, and are designed to go hand in hand with both our illustrative trading supplements and our forensic research on BNP - namely:
- French Bank Run Forensic Thoughts - Retail Valuation Note - For retail subscribers
- Bank Run Liquidity Candidate Forensic Opinion - A full forensic note for professional and institutional subscribers
The first model (all are cast in Excel 2010 format [.xlsx]), BNP Exposures - Free Public Download Version, is available to the public free of charge and is designed to spark the discussion of Whether Another Banking Crisis Is Inevitable? I will be discussing this model, and its ramifications on Max Keiser, Russian Television - to be televised Tuesday. It should be interesting. Here are some screen shots.
The Impairment Scenarios: a very important concept that practically the entire European banking systm has somehow forgotten to address.
Trading and HTM inventory at Level 1,2,3 or fantastical fanstasy?
For those not familiar with the banking book vs trading book markdown game, I urge you to review this keynote presentation given in Amsterdam which predicted this very scenario, and reference the blog post and research of the same - and then revisit this free model and reapply your assumptions:
- a research note to subscribers, The Inevitability of Another Bank Crisis,
- followed by blog posts on the same, see Is Another Banking Crisis Inevitable?
The next nugget of knowledge is the BNP Exposures - Retail Subscriber Download Version. It enables users to simulate an anecdotal bank run - for retail subscribers only of course. In addition to those above, it sports...
For those professional investors and institutions, namely hedge funds, asset managers, regulators, high net worth individuals with ties to BNP and family offices, heres to you. This is not a toy, but a tool that can truly communicate why you feel BNP may, or may not be a candidate for a bank run - contingent upon your inputs: BNP Exposures - Professional Subscriber Download Version. Additional screenshots above and beyond that included above...
Income statement implications of a true bank run...
Let's recap the BoomBustBlog perspective before I offer my opinion for the upcoming week...
Saturday, 23 July 2011 The Anatomy Of A European Bank Run: Look At The Banking Situation BEFORE The Run Occurs!: I detail how I see modern bank runs unfolding
Thursday, 28 July 2011 The Mechanics Behind Setting Up A Potential European Bank Run Trade and European Bank Run Trading Supplement
I identify specific bank run candidates and offer illustrative trade setups to capture alpha from such an event. The options quoted were unfortunately unavailable to American investors, and enjoyed a literal explosion in gamma and implied volatility. Not to fear, fruits of those juicy premiums were able to be tasted elsewhere as plain vanilla shorts and even single stock futures threw off insane profits.
Wednesday, 03 August 2011 France, As Most Susceptble To Contagion, Will See Its Banks Suffer
In case the hint was strong enough, I explicitly state that although the sell side and the media are looking at Greece sparking Italy, it is France and french banks in particular that risk bringing the Franco-Italia make-believe capitalism session, aka the French leveraged Italian sector of the Euro ponzi scheme down, on its head.
I then provide a deep dive of the French bank we feel is most at risk. Let it be known that every banked remotely referenced by this research has been halved (at a mininal) in share price! Most are down ~10% of more today, alone!
- French Bank Run Forensic Thoughts - Retail Valuation Note - For retail subscribers
- Bank Run Liquidity Candidate Forensic Opinion - A full forensic note for professional and institutional subscribers
For those who claim I may be Euro bashing, rest assured - I am not. Just a week or two later, I released research on a big US bank that will quite possibly catch Franco-Italiano Ponzi Collapse fever, with the pro document contianing all types of juicy details...
Timely French Bank Trading Update For All Paying Subscribers
The latest trading commentary from resident BoomBustBlog trader Eurocalypse, worth reading for all paying subscribers... This may be considered time sensitive.


text: Browse Open Jobs | Search Open Jobs | Edit Your Profile | View Submitted Applications Job Details Requisition Number 16-0270 Post Date 1/10/2017 Brand Staffing Industry Analysts Title Sr. Manager, Contingent Workforce Strategies and Research Employment Type Full Time Regular Department Sales City Remote Description Who we are: Staffing Industry Analysts is the premier advisory service about the contingent workforce. Known for its independent and objective insights, the company's proprietary research, award winning content, data, support tools, publications, and executive conferences provide a competitive edge to decision-makers who supply and buy temporary staffing. In addition to temporary staffing, Staffing Industry Analysts also covers these related staffing service sectors: third-party placement, outplacement, and staff leasing (PEOs). Founded in 1989, acquired by Crain Communications Inc. in 2008, the company is headquartered in Mountain View, California, with offices in London, England. Position Overview: Be a part of history. Staffing Industry Analysts- the most respected name in the HR services industry – is looking for a Sr. Manager of contingent workforce strategies and research. This position will provide the right candidate with a global platform to advance thought leadership in the area of contingent workforce management. As part of the SIA team dedicated to providing services to the CWS council, you will be in the unique position to provide advisory and consulting services to and learn from some of the largest and most well-known companies on the planet. As part of the CWSR team you will be responsible for helping CWS Council members cut through the maze of legal, commercial and regulatory issues that make services procurement so difficult in the Global economy. Job Responsibilities: Sales Develop CWS Council The Americas, Advisory Services, and Consulting Opportunities through consulting partners. Main focus will be on retaining and providing advisory services to existing The Americas council members (renewals), upgrades and new sales when presented. Renewals are a critical part of the council's success.Focus on providing value and ROI for members. Work with Sr. Director, CWSR to develop sales plan whereby Sr. Manager, CWSR has a set number of prospects for which to present Council opportunity or upgrade opportunity to existing members Responsible for follow up on prospects/proposals – create a communication and contact plan for timely follow ups and continuous contact – especially based on prospects budget cycles Provide "welcome" calls to new member clients OR new seat holders when necessary Provide "advisory services" to current The Americas CWS Council members (via phone, email, and/or in person) Responsible for council member meeting logistics and invitations. Meetings done via a WebEx will be responsible for agenda, invitation emails and panelists confirmations.Meetings in person will assist with logistics, content and production requirements. As requested - provide "advisory services" to current The Americas Corporate members (via phone, email, and/or in person) Stay close with buyers to ensure SIA's thought leadership position with them, promote conferences, identify future needs and gaps, etc. Provide research and story ideas, insights, and contacts to SIA's editorial and research staff based on your interactions with executives from all major accounts, both buyers and staffing companies. Also be responsible for drafting original content as directed by SVP, CWS&R. Attend, speak, and participate in SIA conferences as well as industry events in order to further SIA's thought leadership position in the marketplace. Assist SVP, CWSR and Sr. Director, CWSR with content topics for CWS Council Research Agenda as needed Organize; develop content for and moderate CWS The Americas Buyer Webinars as scheduled and needed Strategy Advisory Services to Contingent Workforce Strategy Council Members Meet with The Americas CWS Council members and prospective members (based upon an agreed agenda) to discuss their company strategy, existing/ future. Provide guidance about industry trends and insight as they create and develop strategy plans across their organization as well as contingent workforce program models; supplier selection; RFP review; pricing models; benchmarking where applicable Advisory Services to top 100 Staffing; MSP & VMS Companies In collaboration with SVP Strategic Solutions and team, participate in advisory sessions, as necessary, with Client Executive Teams members. Client Relationship Management Work with SIA events team on all things conference sponsor logistic related when needed Work with Member Services team to ensure The Americas Council Member questions are answered in a timely manner. Ensure questions related to login issues and/or set up responded to in a timely manner. Public Speaking Ability to deliver industry presentations utilizing SIA's research and analytics Will be tasked to create and deliver industry focused presentations to both industry and buying organizations requiring that individual is comfortable with speaking to a large audience. While at SIA conferences, individual will be tasked with moderating panel discussions in either a smaller forum or as a general session. Moderate SIA webinars as needed Requirements Basic Qualifications: Bachelor's degree or 5+ years' work experience in similar role. Must have expert level understanding of the contingent workforce industries and best practices. Must have prior staffing industry/staffing buyer/program ownership experience Outstanding analytical/problem solving skills with the ability to recommend sound solutions that meet client requirements. Strong leadership skills with the ability to drive collaboration across teams in order to exceed client expectations. Strong communication skills. Good attention to detail/ ability to multi-task Public speaking ability, deliver effective presentations and moderate panels. Expert in MS Office/especially Excel. Ability to travel (domestic US and International) throughout the year (up to 40% travel). Ability to work well under pressure and with minimal direction. Preferences: CCWP Certification is strongly preferred but not required. International contingent workforce experience Experienced with all aspects of sales, strategic planning and execution along with developing and managing strategic client relationships. Direct industry experience in finance, energy or technology Staffing Industry Analysts is the global adviser on contingent work. Known for its independent and objective insights, the company's proprietary research, award-winning content, data, support tools, publications, and executive conferences provide a competitive edge to decision-makers who supply and buy temporary staffing. In addition to temporary staffing, Staffing Industry Analysts also covers these related staffing service sectors: third-party placement, outplacement, and staff leasing. Founded in 1989, and acquired by Crain Communications Inc in 2008, the company is headquartered in Mountain View, California, with an office in London. Crain Communications has been at the forefront of the publishing industry for more than a century. Combining information with innovation, Crain delivers the story you can't get anywhere else. As a privately held company, we maintain a personal responsibility for elevating our work to be the best it can be. Every editor, reporter and correspondent at Crain shares the responsibility of ensuring the editorial independence and importance of our work. With an Audience First focus and uncompromising integrity, we strive to make a real impact for the individuals and industries we serve. While other media companies report the news, Crain gives it meaning. We add context to content, infuse information with insights, and initiate connections as well as conversations. Crain Communications offers a competitive salary, a generous benefits package, profit sharing, and a friendly work environment. This is a great time to join our organization -- a profitable, well established publishing leader. @CrainComm #CrainCareers #MyCrainView #CrainCares Follow Crain on Facebook, LinkedIn, Twitter, Instagram, Glassdoor Crain Communications Inc is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to, among other things, race, color, religion, sex, sexual orientation, gender identity, national origin, age, status as a protected veteran, or disability. We thank you for your interest in Crain Communications and invite you to visit our website as positions are updated regularly. EOE/Vet/Disability Please view the Equal Employment Opportunity Is The Law Poster provided by OFCCP here. Apply On-line Send This Job to a Friend


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Top high schools with best SAT scores in Dayton region
If you ever wondered which high schools in the Dayton region have the smartest students, you're not alone. The high school is among the most important of all the school levels for preparing a student for college; and knowing which schools have students that are the best prepared for higher education is critical for parents.
The good news is there are a lot of great high schools in the region.
Slideshow: Top Dayton-area high schools ranked by SAT scores.
In fact, two Dayton-area high schools have been ranked in top 1,000 nationwide by Newsweek magazine: Oakwood High School (No. 195) and Bellbrook High School (No. 577).
But those rankings are based on a variety of factors, and neither of those two scores are No. 1 in the region for highest SAT scores. In fact, neither of those two schools are even in the Top 10 for SAT scores locally.
So we decided to take a look at the top high schools in the Miami Valley based on SAT scores, which is of course all-important when it comes to getting into the right college or university.
Please look at these schools and use them however you see fit, but realize that ultimately there is more to a school than one set of test scores. Let us know in the comments section what you think would be other types of information you would like to know about schools in the region.


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A few weeks ago, I was on a panel with IS (define) executives to discuss the "Future of the User Experience" at Forrester's annual Automotive Summit. It was a thought-provoking day and the inspiration for today's column.
The automotive industry is one of the online biggest marketers. Several research studies find roughly 70 percent of car buyers perform research online before buying a vehicle. Most consumers in the market for a high-consideration product or service, be it a car, home, engagement ring, computer, or new bank or brokerage firm, conduct a significant amount of online research to inform their purchase decisions. Because of this, $8.4 billion was spent in 2004 in online advertising, according to Jupiter Research (a Jupitermedia Corp. division). This figure is expected to double by 2009.
Where does the money go? Much of it is intended to position products or services in very crowded marketplaces. With so much money pouring into online advertising, it's amazing how slow most industries are to respond to customer inquiries or leads. According to Jupiter Research, 40 percent of automotive leads, 37 percent of travel leads, and 25 percent of retail leads take three or more days to respond to.
If I were CEO of a company producing high-consideration products or services, I'd invest in improving the buying experience from initial impression to final close. While I was at it, I'd reinvent the product or service, in the spirit of creating the "Purple Cow," Seth Godin endorses. If you're thinking about reinventing your customers' total experience, look outside your industry for inspiration.
Last year, I bought an iPod at an Apple store. It was more beautifully and luxuriously packaged than a Rolex watch. Opening the box, I felt as if I'd bought something truly wonderful. What I bought wasn't a product, but a total experience that was seamless from beginning to end. Here's what makes the iPod exceptional (and enables Apple to command a premium for the product):
- Holistic marketing. Every detail of the marketing mix is synchronized beautifully and obsessively. The advertising, Web experience, product, store, and packaging all feel connected. Each is beautiful on its own. That's why opening the box feels like a rite of passage.
- A total experience perspective. ITunes' business model ensures the experience extends beyond purchase and becomes an integral part of the customer's lifestyle. Beyond iTunes, communities have sprouted around podcasting (define) and playlist sharing.
- Great service after purchase. Many brands fail with service. I was concerned about this when I had trouble connecting my iPod to a new computer. I went online to sniff around but required human contact to sort out the problem. Apple has a Genius Bar in its stores, and customers can sign up online for an appointment.
This very highly sophisticated experience is for a product that costs under $500. A nicely appointed business laptop is $3,000. The sticker price for a good car now runs north of $30,000. Luxury cars cost twice that. Shouldn't we expect more from the experience of buying some of the most expensive, highly considered purchases in our lives?
Learn from Apple. Think about how to make your customers' experience exceptional. Here are a few items that I discussed on that panel for your consideration:
- Think experience. It's not just about the car. After the home and workplace, it's where many Americans spend the most time. Apple thinks experience. The iPod isn't an MP3 player. It's a complete experience; together with iTunes, it's a command central for buying, enjoying, and sharing music.
When I'm looking for a neighborhood retail store, I go to Citysearch to find it. I print out a map with directions, carry it to my car, and either input the destination into my navigation system or read the printed directions. I'm solving a transportation problem, but I don't do it on an automotive site. I must cobble together the experience myself. It'd be great to visit my car site, get directions, and click a button to transmit them to my vehicle's navigation system. Navigation is just a small part of the overall transportation experience the auto industry could solve. The Internet could easily be command central, and an automaker could own it.
- Make the Internet work harder. When my car needs service, I call the dealership to schedule an appointment. This should happen online, or the vehicle could let me know and put me in touch with my local dealer. Many telematics companies are working on these kinds of solutions.
- Make the purchase process transparent. Car buyers are frustrated by the process of finding a dealer, getting quotes on the desired vehicle, then negotiating a fair price. They arm themselves online with competitive pricing information to do battle with a dealer. The manufacturer's suggested retail price (MSRP) provided on OEM (define) sites often differs from the actual price paid, and this can confuse consumers. The OEM that cracks the code on online local pricing information will have a winning proposition.
- Reinvent the vehicle around the user. My computing experience is customized to my needs technically, in terms of basic functionality, and aesthetically. My desktop is a photo of a recent vacation; I smile every time I see it. My Yahoo has the news and information I want to read. How customizable is a car? Not very. I'd like the my car's interface to reflect my desire for simplicity. The dashboard could be a screen I can easily customize on my computer by dragging and dropping the controls I want to see. Memory controls on the seat and mirror positions is a starting point, but there's much more that can be done to make the transportation experience exceptional.
Regardless of your industry, we can all learn lessons from Steve Jobs, and Virgin's Richard Branson, as we strive to reinvent the product and the purchase/ownership experience. I enjoy your feedback, so please share your opinions on how the Web can reinvent the personal product experience.
Related reading
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Brand TLDs vs .com (part two): How can brands benefit from a .brand TLD?
In part one a few weeks ago, we discussed what brand TLDs (top level domains) are, which brands are applying for them and why they might be important. Today, we'll take an in-depth look at the potential benefits for brands, and explore the challenges brand TLDs could help solve.
Hashtags continue to lose in this year's Super Bowl
According to a report, references to hashtags appeared in just 30% of Super Bowl 51's commercials this year, down from 45% a year ago.
How to build a successful digital video strategy in 2017
The explosive growth of video in 2016 makes 2017 an important year for video content and as more publishers are tempted to use it, it's useful to consider the best strategies to maximise its effectiveness.


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Transfer information
Myself,husband and 8 year old daughter are travelling on the 4th June to Pisa,how far is the train station from the airport, and is there a train that will take us to Figline Valdarno. We are staying at a campsite called Norcenni Girasole.Could you also give us an approximate cost if possible.
Many thanks Jackie.
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Verizon Boosts Data on Some Mobile Plans, but Users Must Request It
Verizon is offering customers a free 1GB data boost to their 1GB to 3GB MORE Everything phone plans, or an option to cut their bills by $10 while keeping their existing data allotments.Verizon Wireless just unveiled several new mobile phone plan options for new and existing customers, including a free 1GB boost to their 1GB to 3GB More Everything plans, or a $10-per-month price drop if they keep their current data package. But there's a big caveat to the offers—they won't be automatically activated on customer bills. Instead, existing and new customers have to ask for the free data boosts or for the price discounts by calling Verizon or visiting the company's Website. Also announced are new monthly access fee discounts for customers who move to Verizon Edge plans, which allow users to spread the cost of their new phone out over 24 months, rather than having to pay for it up front. Customers who have an Edge plan with less than 4GB of data will get a $15 discount per month, while customers who have an Edge plan with more than 6GB of data will receive a $25 discount per month under the plans. These discounts are being offered for a limited time. Edge plan customers also don't face upgrade or activation fees for their devices under the plans. In addition, new customers who port their old mobile phone number over to service with Verizon will receive a one-time $100 credit on their bill for a limited time, according to the company.
The changes are being made as Verizon works to stay competitive in the rough and tumble mobile marketplace, where its key rivals in the United States—AT&T, Sprint and T-Mobile—are often dropping prices and boosting data allotments in a constant war for customers.
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Hotels in Chef-Boutonne
Viewing all hotels.
Hotel des Voyageurs18 place Cail, 79110, Chef-BoutonneLocated in Chef-Boutonne, Hotel des Voyageurs features a restaurant, a bar and free Wi-Fi internet access. The property also offers free private parking on site. All of the guest rooms come with a private bathroom, an LCD TV and free toiletries.Rates: EUR 49.00 - 0.00Stars: Rooms: 9
Le Moulin de LusseauLe Moulin de Lusseau, 79110, Chef-BoutonneLocated in Chef-Boutonne, Le Moulin de Lusseau offers a garden, terrace and free Wi-Fi access in the public areas. Niort is only a 45-minute drive away.Rates: EUR 55.00 - 0.00Stars: Rooms: 3
Chalet de la HéronnièreChemin de la Chagnée, 79110, Chef BoutonneOffering an indoor swimming pool, a hot tub and children's playground, Chalet de la Héronnière is a holiday park offering cottages with free WiFi, 16 km from Melle. The cottages will provide you with a terrace and a seating area.Rates: EUR 125.00 - 0.00Stars: Rooms: 20


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Drug Profile
AbituzumabAlternative Names: Anti-CD51 antigen mAb; Anti-integrin alphaV mAb; DI 17E6; EMD525797
Latest Information Update: 12 Nov 2016
Price : $50
At a glance
- Originator EMD Serono; Merck Serono
- Developer Merck Serono
- Class Antineoplastics; Monoclonal antibodies
- Mechanism of Action Integrin alphaV antagonists
Orphan Drug Status
Orphan designation is assigned by a regulatory body to encourage companies to develop drugs for rare diseases.
On Fast track
Fast track status is assigned by the US FDA so therapies with the potential to address unmet needs can move faster through development.
- New Molecular Entity Yes
Highest Development Phases
- Phase II Systemic scleroderma
- Discontinued Colorectal cancer; Ovarian cancer; Prostate cancer; Solid tumours
Most Recent Events
- 15 Apr 2016 Merck and EMD Serono Research & Development Institute plan a phase II trial for Systemic scleroderma (associated interstitial lung disease) in USA, Germany, France, Italy, Poland, Spain, United Kingdom, Argentina, Australia, Canada, Israel and Turkey (IV) (NCT02745145)
- 01 Apr 2016 Phase-II clinical trials in Systemic scleroderma (associated interstitial lung disease) in USA, Spain (IV) (NCT02745145)
- 18 Sep 2015 Efficacy data from the POSEIDON phase I/II trial in Colorectal cancer (Combination therapy, Refractory metastatic disease, Second-line therapy or greater) released by Merck (Merck's half year financial report,
Table of Contents
- At a glance
- Development Overview
- Drug Properties & Chemical Synopsis
- Trial Landscape
- Development Status
- Commercial Information
- Scientific Summary
- Development History
- References


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The 2013 Flash Flood and Intense Rainfall experiment (FFaIR)
A team from NSSL will partner with the NOAA Hydrometeorological Testbed at the Weather Prediction Center to host the 1st annual Flash Flood and Intense Rainfall Experiment (FFaIR).
A team from NSSL will partner with the NOAA Hydrometeorological Testbed at the Weather Prediction Center to host the 1st annual Flash Flood and Intense Rainfall Experiment (FFaIR).
The Hazardous Weather Testbed Spring Forecast Experiment was in full operation on May 20, 2013 as the tornado tore through Newcastle and Moore, OK.
Today, researchers launched the Mesoscale Predictability EXperiment (MPEX) field project to collect data on pre-storm and post-storm environments in an effort to better predict where and when thunderstorms will form. MPEX runs from May 15 – June 15, and is funded by the National Science Foundation.
A team of scientists, including NSSL's Dave Turner published a new study in Nature that showed how clouds over the central Greenland Ice Sheet last July were "just right" for driving surface temperatures there above the melting point.
High atop the Greenland Ice Sheet, cloudy skies portend warmer temperatures and higher winds. These clouds alter the surface energy budget, diminish the strong near-surface atmospheric stability, and precipitate ice crystal to the surface.
The NOAA National Severe Storms Laboratory (NSSL), in partnership with the University of Oklahoma and has launched an app where users can anonymously report precipitation from their iPhone or Android through the "mobile Precipitation Identification Near the Ground "mPING" app.
A NOAA National Severe Storms Laboratory (NSSL) scientist is leading an experiment to collect a comprehensive dataset on vertical turbulence and thermodynamic profiles in a portion of the lower atmosphere known as the boundary layer.
An NSSL microphysics scheme that will help forecast six different types of precipitation more accurately was included in the most recent update of the Weather Research and Forecasting (WRF) model.
A group of researchers, including NSSL's Dave Stensrud, recently announced they plan to study the effects of cities on thunderstorms.
The 2012 Atlantic hurricane season will provide a valuable research opportunity for the Coastal and Inland-Flooding Observation and Warning Project (CI-FLOW).


text:
I've been considering for a good six months trying to organize a PHP Users Group for the Burlington, VT, area. When we first moved to Vermont, I was surprised (and excited) by the number of PHP shops (which at the time I saw as job potential, as I was looking for work), and actually walked my resume around to a half-dozen or so. The area has a ton of PHP developers, and it only makes sense to have a UG where we can exchange tips and tricks of the trade.
Then, about six weeks ago, I mentioned this to my friend Rob. He did what I should have done all along, and googled for an existing group — and found one!
The Burlington, VT PHP Users Group has been around since November of 2005 on Google Groups, but we're having our inaugural meeting this coming Wednesday, 5 December 2007. I'll be speaking at this first meeting on Zend Framework's MVC components
If you're in the Burlington area this Wednesday, you should stop by. For more details, visit the event page, and don't forget to RSVP.
So, in addition to it being my daughter's birthday, which is exciting enough in itself, I received a package from my publisher, SitePoint, with my author copies of The PHP Anthology. Very exciting to see stuff I've written published!
Well, it's now official: The PHP Anthology, 2nd Edition is finally out, and, as you'll see if you follow the link, I'm listed as an author on it. :-) It's a pleasant surprise to see it out — I finished my chapters back in January, and had almost forgotten about it.
Early in the week, I decided to avoid the release rush and go ahead and update my laptop to Ubuntu's Gutsy Gibbon release. Overall, it's quite good, with one caveat I'll elaborate on later.
ZendCon '07 is finally over, the dust has settled, and I finally find myself with some time alone… practically the first I've had since Sunday. The week was fantastic, and I had many good conversations and brainstorming sessions. Oh, and I ended up giving three different sessions, so it's time for links to slides and materials:
The two highlight keynote speakers, for me, were definitely Joel Spolsky and Cory Doctorow. Neither spoke about PHP, but both spoke about topics that PHP developers should take to heart. Perhaps I'll elaborate on those in another post.
Another bonus for me was the number of old and new friends alike I got to see — I had many good conversations with Paul M. Jones, Nate Abele, Ivo Jansch, and Ralph Schindler, and opportunities to finally meet fellow co-author Lig Turmelle, Ben Ramsey, Chris Shifflet (dude, we've been to four conferences together, and never yet met!), and many, many others. I was also overwhelmed by the number of Zend Framework users who sought me out either to ask me questions or simply thank me and the others on the team for the project; I'm deeply honored that I can work on a project that affects so many developers.
And now for some down time to recuperate…
I don't know why I haven't blogged this sooner, but, yes, I'll be speaking once again at ZendCon:
I'll be presenting a number of times:
Looking forward to seeing you all there!
Last Wednesday, I presented a webinar for Zend entitled "MVC applications with Zend Framework". We had more than 50 attendees, most of whom stayed on the whole time. For those of you who attended, thanks for the great questions and comments.
If you would like to view the webinar, download the slides, or download the example code (a hello world app), visit the Zend.com Webinar page and look for the presentation; as of today, it's the first one on the list, but that will change as more webinars are presented.
This past Wednesday, Zend's Chief Marketing Officer, Mark de Visser, and myself joined the NYPHP group for a special event meeting. Mark presented information on Zend's development stack and toolset (which I entirely missed, as I was still in transit), and I came in to give an overview of Zend Framework.
There were some great questions, and nice discussions following the event. If you live in New York and do PHP for a living, and haven't attended, you should; if you're ever visiting the area, see if you can attend a meeting!
Here are the slides.
They're done using S5, a browser-based
slideshow system. Simply unzip and double-click on
index.html to start viewing.
Over the past few evenings, I've refactored
File_Fortune to
have it implement
Countable, and
ArrayAccess — basically allowing it
to act like an array for most intents and purposes. As a result, I've eliminated
the need for the
File_Fortune_Writer package, and greatly simplified the
(Note: sure,
File_Fortune may not be that big of a deal, but over 1000
downloads in the past two years indicates somebody is using it. Plus, it
powers the random quotes on the family website. :-) )
As some examples:
require_once 'File/Fortune.php';
// Initialize and point it to a directory of fortunes
$fortunes = new File_Fortune('/path/to/fortunedir');
// Retrieve a random fortune
// (works with either a directory or a single fortune file)
echo $fortunes->getRandom();
// Set to a specific fortune file:
// Loop through and print all fortunes
foreach ($fortunes as $fortune) {
echo str_repeat('-', 72), "\n", $fortune, "\n\n";
// Hmmm.. let's change one:
$fortunes[7] = "I never really liked that fortune anyways.";
// No need to explicitly save, as it's done during __destruct(),
// but if you really want to:
// Let's add a new fortune:
$fortunes->add('This is a shiny new fortune!');
// and now we'll verify it exists:
$index = count($fortunes) - 1;
echo $fortunes[$index];
All-in-all, it's a much better interface. Lesson learned: when porting code from other languages, it pays to take some time and determine if there might be a better API in your own.
In upcoming releases, I hope to modify the backend to use PHP's Streams API instead of direct file access, and also to allow providing a list of fortune files explicitly. After that, I should be ready for the initial stable release.
Update (2007-07-10): fixed parse error in examples
Update: Sara has pointed out a flaw in my last case. The file
loadFileWithGlobals.php was incorrectly loading the wrong file — it should
be loading
withGlobals2.php (updated now). When it does, access to
works as it should.
As I note to in my comment, however, I stand by my original rant: relying on globals for your applications is a bad practice, as it makes them difficult to integrate with other applications later. Developers using your application should not need to hunt down exactly when a global is first declared and explicitly push it into the global scope in order to get that application to integrate with others. Use other means, such as singletons or registries, to persist configuration within your applications.
In my last entry, I evidently greatly simplified the issue to the point that my example actually didn't display the behaviour I had observed. I'm going to show a more detailed example that shows exactly the behaviour that was causing issues for me.
First off, this has specifically to do with including files from within functions or class methods that then call on other files that define values in the global scope. In the original example, I show an action controller method that includes the serendipity bootstrap file, which in turn loads a configuration file that sets a multi-dimensional array variable in the global scope. Without first defining the variable in the global scope, this method of running serendipity fails.
Now, for the examples.


text:
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The Florida District Export Council provides leadership and international trade expertise to complement the U.S. Commercial Service's export promotion efforts.
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Rainbows for All Children
About us
Rainbows for All Children is dedicated to being the premier source of support for all youth as they navigate grief and heal from loss, whether from death, divorce, deployment, or other trauma. Rainbows for All Children fosters awareness that youth require support to heal. We nurture a community of effective Rainbows-trained Facilitators, supported with a repository of resources designed to guide youth in their grieving process.
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Phone: (847) 952-1770
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Even a sandwich can do big things in the world
Winter Seasonal
Check out our Seattle winter seasonal the Samish Bay Grilled Cheese featuring Samish Bay organic aged gouda, pear jam, caramelized onions, fresh apple & baby kale. Our San Francisco take on this seasonal sammie features INNA jam's mission fig jam & local brie – now available at our first bay area store at 222 Battery St.
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Cheap round-trip flights to White Plains
Prices found within past 7 days. Prices and availability subject to change. Additional terms may apply.
Make your trip to White Plains hassle free with planning tools from ebookers. From international travel advice to tips on airport amenities, you'll find all the details you need to make your trip spectacular.
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Download the Explorer app to get up-to-the-minute advice from travellers who've visited the place where you're headed. Real-world reviews and advice bring your favourite destinations to life, making this app useful for future trips as well as your current one.
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Find out which subway or bus line heads directly to the airport, get the scoop on airport taxis, or determine where you'll park while you are away with ebookers' Travel Extras feature, which provides details on all of the airport transportation options you might be considering. You can also find out about lounges at airports where you'll be spending time during a layover, so you'll know where to go the moment you step off the plane. Booking the hotels, car rentals, and flights White Plains offers has never been simpler.
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When you book your holiday through ebookers, you can choose your seat and request special meals, such as vegetarian, kosher, or diabetic meals, for your flight. You also have access to airline contact information in case you need to talk to someone about a problem or concern you encounter during your flight. If you're concerned about the environmental effect of your flight to White Plains, use ebookers' online tools to arrange carbon offsetting to minimize your impact. Ebookers makes it greener to book the flights White Plains offers.
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Flights to Cities Near White Plains
- Flights to New York
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Other Flights to White Plains
- Chicago to White Plains
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Airports near White Plains
- Westchester County Airport (HPN)
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- T.F. Green Airport (PVD)
Top Flight Destinations
- Flights to New York
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Fare, taxes & fees: Fares were found on ebookers.com and are updated daily. They include all taxes and fees, except baggage fees.
Refunds/changes/cancellations: Itinerary changes, if permitted for the fare, will have a £10.00 / 45.00 Euro service fee charged by ebookers, plus any airline fare and tax increase that may be applicable.
Other conditions: Schedules, fares and rules are subject to change without notice. Seats are limited and may not be available on all flights/dates or in all markets. Fares will not be honored retroactively or in exchange for any wholly/partially unused ticket. Tickets are non-transferable and non-refundable. Fare rules are provided for the selected itinerary before booking.


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LEGO manufactures and distributes a popular line of construction toys. The company sells B2C through its LEGO Stores and web store.
Recent Mentions
- IRX 2017 Mobile First Conference
- IRBX 'Consistently awesome': how Lego developed its omnichannel shopping experience
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- Top retailers in the UK
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- The Internet Retailing Awards 2014 – Full shortlist revealed
- Protected: The Brand Award
- Vote for the Internet Retailing Award 2014 sponsored by Venda


text:
One-size-fits-all rules and definitions that direct all agencies on what jobs are, in fact, inherently governmental functions don't work, experts say.
Acquisition experts clearly described inherently governmental functions to a defense procurement commission today: They are undoubtedly blurry.
The experts told the Commission on Wartime Contracting in Iraq and Afghanistan that one-size-fits-all rules and definitions for categorizing government jobs don't work because the concept of an inherently governmental function is unclear.
"You don't want to be boxed in" when making these decisions, said former congressman Christopher Shays, co-chairman of the contracting commission.
An inherently governmental function refers to a job that only a federal employee should do, nor should it be outsourced. For example, only a federal employee can sign a contract on the government's behalf that obligates the expenditure of tax money.
Related stories
'Inherently governmental' defies quick definition
Workforce balance boomerangs toward insourcing
Senators press for broader definition of 'inherently governmental'
Experts say a contractor in an inherently governmental function might be able to unduly influence the government toward a course of action.
The commission's June 18 hearing centered on answering the question of whether private security contractors are performing inherently governmental functions when they are in or outside a war zone. Similarly, some experts have asked whether agencies should keep from outsourcing information technology systems and IT services because they are critical to whether an agency meets its mission.
Al Burman, former administrator of the Office of Federal Procurement Policy (OFPP) inside the Office of Management and Budget and now president of Jefferson Solutions, said agency officials should decide whether a job is an inherently governmental function based on the circumstances.
As for security contractors in war zones, the government should use government employees if the agency has them, several members of the panel said. Outside those situations, the security jobs can be outsourced, as they often are.
"Everything is different in an active combat zone," said Stan Soloway, president of the Professional Services Council.
For security work and other jobs where the definition of inherently governmental is questionable, agencies should ask whether the work is a "critical function," another new concept, Burman said.
Currently, OFPP officials are working on clarifying the concept of inherently governmental function, as they proposed a policy letter in March. The proposal offers questions for agency officials to ask when faced with figuring out if a job is inherently governmental. OFPP also offered two other terms: "closely associated with an inherently governmental function" and "critical function." Each is another step further away from the government employee-only positions.
These closely associated and critcial functions have become important as they help government officials decide where they should focus their employees. Federal agencies are working to build up their workforces so they don't rely so much on contractors to accomplish their mission.
About the Author
Matthew Weigelt is a freelance journalist who writes about acquisition and procurement.
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Save the date for 28th annual Federal 100 Awards Gala.
March 30, 2017
The Department of Commerce is revising its confidentiality agreement for statistical data survey respondents to reflect the fact that the Department of Homeland Security could see some of that data if it is captured by the Einstein system.
In a Feb. 17 memo, Defense Secretary Jim Mattis told senior leadership to establish teams to look for duplication across the armed services in business operations, including in IT and cybersecurity.
State election officials had more questions than answers after a Department of Homeland Security presentation on the designation of election systems as critical U.S. infrastructure.
The government desperately needs younger talent to replace an aging workforce, and experts say that a freeze on hiring doesn't help.
The Department of Veterans Affairs will test an internally developed scheduling module at primary care sites nationwide to see if it's ready to service the entire agency.
After missing in the last Congress, drafters of a bill to encourage cloud adoption are looking for a new plan.
You would think with the economy doing so bad that Americans stationed overseas on U.S. bases would be able to find work? Well, there have been outsourcing of what was once called Inherently Government Positions to the cheaper foreign workforce. Am at a location where we have over 200 american wifes who husbands are serving and dying for our country but they can not find a job on the U.S. installation because all jobs that use to be Inherently government positions are being filled by foregners without reqards to rules, regulations or force security issues. It's damn right scary. Now wonder the enemy is winning!
The issue now that is affecting so many men and women in the country is the procedure now in place by the administration called Insourcing. Jobs not considered Inherently Governmental are being taken over and the contractors simply fired with no regard. Privte Security and Firefighters are terminated and replaced by federal civil service. These positions are not considered governmental and no required circular A76 hearings are being conducted. The aftermath of increased Unemployment, lack of medical access and the increased admission of more to the State Aid Rolls are not, in my opinion being considered.
Actually, Erich does not go back far enough. The trend started very strongly in the 1980s, with Ronald "the government is the source of all problems" Reagan, who claimed that the private sector by definition does everything better and more efficiently. Government offices were emptied of all technical people, and you often had things like a "Systems Engineering" office that had nobody with a technical degree. I left the government myself in the mid-80s in large part because I saw no future given the trends. It is true that the trend continued in the 1990s as Erich described, but he has only the second part of the story.
I agree with Erich. I currently work on an IT project that is 80% contractors and am being managed by a team of contractors. Each contractor manager is managing on average 4 people. Can you say top heavy with contractors? OH FYI...what do the few civilian employees do ... the menial work that their contractor staff doesn't want to do.
It appears that the author forgets that until the '90s these jobs were performed almost exclusively by military and civilians. Only after private industry lobbied government to outsource did the government shed the government employees that were performing these jobs. It stands to reason that the government now has insufficient trained personnel to perform this work.
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