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Pending U.S. home sales fell slightly in October, despite a spate of bad economic news and turmoil in the stock markets. The National Association of Realtors' seasonally adjusted index of pending sales for existing homes fell 0.7 per cent from September to a reading of 88.9. The index was one per cent below October a year ago. Home sales are considered pending when the seller has accepted an offer, but the deal has not yet closed. Typically there is a one- to two-month lag before a sale is completed. An index reading of 100 is equal to the average level of sales activity in 2001, when the index started.
Documents released by a House committee indicate that top executives at mortgage finance companies Fannie Mae and Freddie Mac ignored warnings that they were taking on too many risky loans long before the housing market plunged. E-mails and other internal documents released by the House Oversight and Government Reform Committee show that former Fannie CEO Daniel Mudd and former Freddie Mac CEO Richard Syron disregarded recommendations that they stay away from riskier types of loans. Panel members grilled the former heads of the two lending agencies for more than four hours and appeared to be frustrated by their apparent refusal to accept any blame. Panel Chairman Henry Waxman, a California Democrat, charged that "irresponsible decisions are now costing the taxpayers billions of dollars." The two companies were seized by government regulators in September. A month later, Freddie Mac asked for an injection of $13.8 billion in government aid after posting a massive quarterly loss. Fannie Mae has yet to request any government aid but has warned it may need to do so soon.
The White House and Congress continue to move toward the finish line on a bailout package for the big three automakers. However, the Bush administration still wants tougher consequences than Democratic leaders are looking for, if carmakers fail to control costs. White House spokesman Tony Fratto says while moving quickly is a key, "it's important that we get the policy right." Among the ideas included in the $15 billion bill is the creation of a so-called "car czar" who could force the car companies into bankruptcy if they don't institute enough changes. House Speaker Nancy Pelosi said on morning television today she supports having a federal overseer, because she doesn't think the heads of the big three could solve their problems if "left to their own devices." General Motors doesn't seem likely to raise a fuss. On CBS' "The Early Show," one GM executive called federal oversight of the big three "a reasonable thing to expect." Meanwhile it's unclear if the autoworkers' union is demanding a seat on GM's board of directors in exchange for more contract concessions. But the union president does say workers should hold a greater stake in the industry if they're going to have to give up more.
Sony is slashing 8,000 electronics jobs around the world, or five per cent of its global work force in that sector. It's trying to boost the profitability of its core business amid a global downturn. Sony says it will cut the jobs from its electronics operations, which employ about 160,000 workers, by the end of March, 2010. It did not give a country breakdown for the planned reductions. Sony has been trying to adjust production and lower inventories to cope with the global economic downturn but it says more efforts are needed.
Advantage Rent a Car is seeking Chapter 11 bankruptcy protection and is laying off 440 people nationally, according to the Houston Business Journal. The company's location at Bush Intercontinental will remain open, as well as other airport locations in Austin and seven other cities. Advantage's corporate offices are in San Antonio. The company will employ 460 people at its remaining locations.
The latest survey of employers by the temporary hiring agency Manpower finds that a majority of them, 67 per cent, plan to keep staffing levels steady in the first quarter of the new year. Some 16 per cent plan to increase their staffing, while 13 per cent expect a reduction in payrolls. Five per cent were uncertain about their hiring plans for the January-March quarter. Manpower North America President Jonas Prising says "the situation in the labor market is continuing to be very tough," with no noticeable change in the first three months of the year.
Most Houston television stations will conduct analog shut-off tests tomorrow to help determine if area TV sets are ready for the federally-mandated digital transition that takes effect on February 17th. At exactly 6:22 a.m., 5:22 p.m. and 10:22 p.m., the stations will simultaneously replace programming on their analog signals for five minutes with instructions on how to prepare for the DTV conversion, for those who have not installed a set-top converter box or replaced older sets with digital televisions. Viewers who watch free, over-the-air broadcasts on older analog sets using antennas are the target audience for the test, according to the Texas Association of Broadcasters. The TAB says about 467,000 Houston households watch TV exclusively with antennas.
The first settlement payments from the Exxon Valdez lawsuit filed nearly 20 years are hitting bank accounts this week. Some commercial fisherman who were part of the lawsuit against Irving-based ExxonMobil began getting direct deposits Monday. Paper checks will start going out next week. It's the beginning of the process to pay out $383 million to nearly 33,000 commercial fishermen and others. An Anchorage, Alaska, jury in 1994 decided Exxon owed $5 billion to the plaintiffs. That has since been reduced to $383 million. Still being debated is whether Exxon owes interest. If a court finds it does, the payments claimants are receiving now could be doubled.
House Speaker Nancy Pelosi says the House of Representatives is ready and committed to having an economic stimulus bill ready by early January. Pelosi says members of the House are "working on that right now." And she also said that a major part of the discussion is what elements are needed to both restart the economy and stabilize the job market. Pelosi told NBC's "Today" show that "this is a priority" for Democrats and said that "we have been begging" for over a year to do this. The California Democrat did not put a price tag on such a stimulus bill, but she did say it would have to be larger than initially envisioned because of the deterioration in the health of the economy. Congress passed a $168 billion stimulus plan last year and President Bush signed it into law.
The Senate has confirmed a New York prosecutor as watchdog of the $700 billion rescue program for the nation's financial sector. Neil M. Barofsky will become a special inspector general within the Treasury Department to audit and investigate spending by the so-called troubled asset relief program. President George W. Bush nominated Barofsky to the position last month. His confirmation had been held up anonymously by one Senator. The opposition was lifted last week. The financial bailout program has come under criticism in Congress. A Congressional audit last week found that the two-month-old program did not have safeguards to make sure financial institutions receiving taxpayer money were living up to their end of the bargain.
Oil prices are little changed amid new reports that the anemic global economy will lead to an even sharper falloff in energy consumption through 2009. A new government said home heating costs should be lower this winter than last, and gasoline prices continued to tumble. Pump prices are at their lowest levels in nearly four years. In its new short-term outlook, the Energy Information Administration said it expects global oil consumption to decline by 50,000 barrels a day this year and by 450,000 barrels a day in 2009, well below earlier forecasts on both counts.
The government has further lowered its projections for winter heating costs because of the dramatic drop in crude oil prices. The Energy Department said that fuel oil for heating this winter will be nearly a fourth of what it cost last winter. It put the average seasonal heating costs for households using oil at $1,570, or $383 less than last winter. Households using natural gas are expected to pay an average of $860 this heating season, about the same as last year. The report projects oil prices to average $51 a barrel next year as global demand will decline for the second straight year. Gasoline prices are expected to average $2.03 a gallon nationwide. Last week, gasoline cost an average of $1.70 a gallon.
New census data show that small and medium-sized cities in the midwest were hit the hardest in the mid-decade economic downtown, with unemployment rates doubling or tripling in communities throughout Michigan, Ohio, Indiana and Illinois. But no region was spared. The information was collected over three years from 2005 through 2007 in every community with at least 20,000 residents. That was before the financial industry imploded and housing collapsed. Among the findings in an Associated Press analysis: median household income dropped in 79 per cent of the communities. Incomes dropped by 4.3 per cent and the poverty rate grew in 70 per cent of the cities and towns. The jobless rate climbed to 6.6. per cent. It had been only four per cent in 2000. Incomes dropped as home prices escalated. The result was an unsustainable housing market that contributed to the current economic crisis.
Southwest Airlines trimmed its schedule Tuesday, eliminating 32 roundtrip flights and adding 19 new ones starting next May. For Idaho, the changes mean daily flights between Boise and Portland, Oregon, will be cut to two each way, down from three. The Dallas-based carrier released its schedule for May 9th through June 26th. Chief Executive Gary Kelly said the schedule attempted to maximize the use of aircraft on the best routes. Among markets adding new nonstop flights in May are Nashville, Tennessee and Oakland, California, and Nashville and Seattle. Southwest serves 64 U.S. cities and plans to add flights to Minneapolis in March. The airline carries more domestic passengers than any other, on more than 3,300 daily flights.
An international airlines association says the industry globally will lose $2.5 billion in 2009. The International Air Transport Association says all regions except the United States are expected to report larger losses next year than in 2008. IATA chief executive Giovanni Bisignani says "the outlook is bleak" but U.S. carriers will benefit from lower oil prices and cutbacks made this year to post a modest $300 million profit in 2009. He says the global airline industry faces the worst revenue environment in 50 years.
Twenty conventions, trade shows and other events have been booked by the Greater Houston Convention and Visitors Bureau for January. More than 22,290 attendees will spend an estimated $21.7 million in Houston during the month. The Americas Classic holds its 18th annual Swing Dance Championships January 15th through the 18th at the Hilton North Houston. The Chevron Houston Marathon holds its annual 26.2, 13.1 and 3.1 mile run in downtown Houston on January 18th. And buyers of Halloween products have their own expo at the George R. Brown Convention Center January 24th through the 27th.
The head of a House global warming panel says Congress should grant a waiver to allow California and other states to impose stricter emission rules than the federal standard. A provision of a bill being developed by Congressional leaders would require carmakers to drop their legal challenges to California's tougher approach to curbing greenhouse gas emissions. During a hearing, Representative Ed Markey said that "any recovery of these companies will require more than just fresh cash." The Massachusetts Democrat said that it will also require "a change of culture, a culture that answers challenges with innovation rather than lobbying and litigation."
Natural grocer Whole Foods Markets is suing the Federal Trade Commission, saying the regulator violated its due process rights in an antitrust dispute. Whole Foods acquired Wild Oats Markets in 2007 but has been in legal battle with the FTC since then over the deal. An administrative hearing on the case was scheduled to be held in February. Whole Foods says in a lawsuit filed in U.S. District Court Monday that the FTC is pre-judging the facts and rushing the case to trial. Lawyers for Whole Foods say it is the first case of its kind against the FTC in nearly 50 years. Whole Foods CEO John Mackey said that the FTC's pursuit of antitrust claims over his company's acquisition of a rival is "almost a vendetta." He calls the probe a waste of federal time and money. The FTC won't comment on the case but insists the acquisition of Whole Foods former Boulder, Colorado-based rival could hurt consumers. It also says it's treating the Whole Foods case like any other case. The debate over the deal is garnering attention because the commission is seeking to unwind two companies that have already merged — and because Whole Foods is calling into question the larger system that handles antitrust cases.
Kroger reports its third-quarter profit fell six per cent — mainly because of damages and disruption from Hurricane Ike. Ike hit southeast Texas on September 13th. Ohio-based Kroger also indicated that it expects slow holiday spending to hurt fourth-quarter results. The nation's largest traditional grocery store chain did manage to boost sales during the recession, as people cut restaurant spending. Kroger earned $237.7 million in the third quarter — down from $253.8 million a year earlier. The company says results were hurt by an after-tax charge related to its $25 million insurance deductible for Ike. The storm damaged stores, forced some to shut down temporarily and caused outage-spoiled food in September, mainly in Texas.


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A few months ago McKissic was very close to signing with West Virginia, but the Mountaineers decided to eventually go in a different direction. University of Detroit was another program the guard was seriously considering along with ASU, and Nevada was showing interest as well.
Last season McKissic averaged 23 points and nine rebounds per game. With the loss of Evan Gordon who transferred from ASU to Indiana last month, the Sun Devils were faced with the prospect of starting a true freshman in the backcourt along with Jahii Carson.
McKissic, who scored a career-high 46 points last season, brings a more physical and athletic element to that shooting guard role, aside of course from being a prolific scorer. "More than just being a good offensive player," McKissic stated, "the (ASU) coaches want me to be a defensive stopper. I up to any challenge and I don't shy away from anything. ASU is where I want to be and I'm gonna do what I have to do.
"The coaches told me that they were blown away by how well I can shoot and my athleticism. Those are my strong suits. I know I have to work more on my defense and I'm pretty excited working hard in the summer to get better."
McKissic noted the campus size and the amenities of the Weatherup Center as aspects that have really impressed him during his time in Tempe, and just as impactful was talking to Carson a player who he has watched several times on TV, as well as working out with him during the visit.
"I talked to Jahii a lot and he's a player that makes other players better," McKissic stated. "He told me that he was blown away with the way I played and said that he was excited to be running with me this year.
"Watching him play on TV I saw him any times just go off, and it was always in the back of my mind what would it be like playing with a player like him. Never thought this would manifest especially with ASU being one of the last colleges to recruit me. With having somebody like him I feel we can be one of the best backcourts in the nation."
It's been four years since Shaquille McKissic graduated from Kentridge High School in Seattle; he averaged 15.4 points per game and earned recognition as one of the top combo guards in the Northwest. He signed with Northern Idaho, but never enrolled there, instead enrolling at Edmonds Community College in Lynwood, Wash. He played the 2009-10 season there, but then sat out the next two seasons for what he termed as "personal reasons that have made me a better person and made me the person I am now." McKissic said that he plans to sign his paperwork with ASU later this week. The guard will miss the team's trip to China, since he will arrive on campus the last week of August after fulfilling his remaining academic obligations at Edmonds.

subset: commoncrawl


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After disbanding nearly 10 years ago, Japanese experimental duo Cibo Matto has reunited to record a new album and embark on a North American tour this summer. Recently, Cibo Matto teamed up to play a few impromptu benefit concerts in New York for Japanese aid and earthquake relief.
New York-based Miho Hatori and Yuka C. Honda, known for writing quirky, genre-bending tunes primarily about food, are working on a new album set for release in early 2012. This will be their first full-length album since 1999's Stereo Type A. In anticipation of the reunion, the band has released a teaser video of what you can expect from its new material.
The Yeah Basically Cibo Matto reunion tour kicks off in Seattle on June 21 for a five-show stint on the West Coast before picking up in mid-July for a series of dates across the East Coast and Canada. You can expect to hear a lot of new music as well as old '90s mainstays from the alterna-pop pair.
Check below for Cibo Matto's full list of dates this summer, and expect the group to stream some new songs on its website before it drops the full-length in 2012.
Tour Dates For Cibo Matto:
06/21 – Seattle, WA – Neumo's
06/22 – Vancouver, BC – Fortune
06/23 – Portland, OR – Doug Fir
06/25 – San Francisco, CA – Bimbo's
06/26 – Los Angeles, CA – Hollywood Bowl w/Yellow Magic Orchestra
07/12 – Brooklyn, NY – Brooklyn Bowl
07/14 – Chicago, IL – Lincoln Hall
07/16 – Toronto, ON – Mod Club
07/18 – New York, NY – Bowery Ballroom
07/19 – Washington, DC – Rock N Roll Hotel
07/20 – Boston, MA – Brighton Music Hall


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Create a free account to check out faster, store multiple shipping addresses, view and track your orders in your account, and much more.
Please enter your password to continue.
I am not typically a tea person and was actually disappointed when I received this in my box, but I actually tried it and enjoyed it. I am a coffee drinker so this drink was much lighter than what I am typically used to but it did not leave me as dehydrated as coffee typically does. It was very crisp and delightful!3


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On-line Registration System
Abstract Submittal is closed as of 03 October 2007.
Registration and Payment Information
Iif you are not prepared to either pay the registration fee with a credit card you may not register via this system. Please contact the conferenec management office at firstname.lastname@example.com to make arrangements.
All credit card transactions will be processed through the conference web site. Transactions are protected and encrypted using a secure socket layer (SSL) certificate provided by Thawte Digital Certificate Services, a Verisign company. SSL technology is the industry-standard method for protecting web communications. The SSL security protocol provides data encryption, server authentication, message integrity, and optional client authentication for a TCP/IP (internet) connection. Credit card verification and debit services will be provided by Authorize.net, a leading provider of Internet-based transaction services.
Please note that the Registration process will take place on the conference management firm's web site (sgmeet.com). Type the information for each field as you normally would, including proper capitalization. The conference management office will not edit your information. For example, if you enter your badge name in all lowercase letters your actual conference badge will be printed as such.


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It looks like you're new here. If you want to get involved, click one of these buttons!
Hi people,
Im new to this site and new to running, i went and signed up for the 10mile Great South Run to give me some real motivation to run reguarly. I started 2 weeks ago and im currently managing about 3-4 miles, 3-4 times a week, have i left it to late to be a decent fitness so running 10m on October 28th doesnt kill me??
Thanks in advance for any replys,
I roughly calculate you've got 3 1/2 months of training time before your race, and you're averaging about 9 to 12 miles per week.
I'd say if you keep all of your runs easy - no need to beast yourself - and increase one of your runs to a weekend long run; adding on about an extra 5 to 10 minutes of running per week, you will easily build up to 8 or 9 miles in training, which will be fine to run 10 miles with.
Maybe take a rest week every 3rd week, where you do maybe half of your previous weeks mileage and then the subsequent week add on another 10 minutes to the previous high mileage you built upto.
I'm sure there's a lot more experienced runners here who could advise better, but I would think it's easily achieveable based on what you're doing already, as long as you don't get injured. Just remember that all you need to do for now is base (easy) runs; this will prepare your body to stand upto the demands of heavier (speed/hills) training in the future.
Hope that helps.
Are you following a training plan of some sort? Between now and the end of October there is plenty of time to get yourself to a level where you will be able to do the 10 miles.
The GSR is a fairly flat route, lots of runners and plenty of support all the way round. Not a bad little event for a first race.
Yes you can get fit enough to complete the GSR without killing yourself. Find a training plan and get some structure to your training. It sounds like you have a reasonable base fitness but you need to start increasing one of your runs each week and a training paln will help you get the intensity right without getting injured.
thank you for your replys, im not really following much of a programme, im logging every run i do so i can see improvements. Im pretty much just running every other day the same sort of distance, but i will now make my weekend run longer.
I am in a similiar situation, although doing my first 10km in 2 weeks so did my first 10km training distance this morning.
I've been looking for a training programme to follow can anyone point me in the direction of a good one.


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Choosing the correct E/M level and associated CPT and ICD-9 codes for the full spectrum of care for attention deficit disorder (ADD) and attention deficit hyperactivity disorder (ADHD) encounters can be daunting. However, assigning the correct combinations of office visit codes, test codes, and diagnoses even when the ADD evaluation is during a preventive medicine service is doable with this encounter guide.
You'll learn to code more accurately, improve revenue by identifying allowed evaluation and management-modifier 25 services (E/M-25s), and protect your E/M payments from paybacks.
Register now, with this 60-minute audio conference where certified pediatric coder and auditor, Jen Godreau, will show you the ropes of ADD and ADHD coding from initial evaluation to follow-up medication checks. With tons of scenarios that take you through the whole spectrum of ADD coding, you'll know just which example to turn to the next time you confront the real-life situation. All of these will be combined in one handy chart for instant reference.
This session covers:
Who should attend? Pediatric, family practice, and internal medicine coders, nurses, office managers, and providers who need to ensure provider coding, office forms, and documentation contain the correct codes and information.
- Sue Dill Calloway, RN, MSN, JD
- Sue Dill Calloway, RN, MSN, JD
- Susan Balfour, BA, RN
- Jeanne J. Chamberlin ,
- Marilyn Mines, RN, BC, RAC-CT
- Jay P. Anstine, JD
Jen Godreau, BA, CPC, CPMA, CPEDC, specializes in medical coding policy for pediatrics, family practice, internal medicine, ENT, and modifiers. In her most recent role as director of the Coding Institute's SuperCoder.com, she puts coding resources, references, and education at coders' and physicians' fingertips.
Jen learned the ropes of coding from more than a decade of writing, editing, and managing Coding Alert publications. She also wrote the ICD-9 study... More Info
More Events By The Speaker


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The Story Girl HTML version
A Dread Prophecy
"I've got to go and begin stumping out the elderberry pasture this afternoon," said Peter
dolefully. "I tell you it's a tough job. Mr. Roger might wait for cool weather before he
sets people to stumping out elderberries, and that's a fact."
"Why don't you tell him so?" asked Dan.
"It ain't my business to tell him things," retorted Peter. "I'm hired to do what I'm told, and
I do it. But I can have my own opinion all the same. It's going to be a broiling hot day."
We were all in the orchard, except Felix, who had gone to the post-office. It was the
forenoon of an August Saturday. Cecily and Sara Ray, who had come up to spend the day
with us--her mother having gone to town--were eating timothy roots. Bertha Lawrence, a
Charlottetown girl, who had visited Kitty Marr in June, and had gone to school one day
with her, had eaten timothy roots, affecting to consider them great delicacies. The fad
was at once taken up by the Carlisle schoolgirls. Timothy roots quite ousted "sours" and
young raspberry sprouts, both of which had the real merit of being quite toothsome, while
timothy roots were tough and tasteless. But timothy roots were fashionable, therefore
timothy roots must be eaten. Pecks of them must have been devoured in Carlisle that
Pat was there also, padding about from one to the other on his black paws, giving us
friendly pokes and rubs. We all made much of him except Felicity, who would not take
any notice of him because he was the Story Girl's cat.
We boys were sprawling on the grass. Our morning chores were done and the day was
before us. We should have been feeling very comfortable and happy, but, as a matter of
fact, we were not particularly so.
The Story Girl was sitting on the mint beside the well-house, weaving herself a wreath of
buttercups. Felicity was sipping from the cup of clouded blue with an overdone air of
unconcern. Each was acutely and miserably conscious of the other's presence, and each
was desirous of convincing the rest of us that the other was less than nothing to her.
Felicity could not succeed. The Story Girl managed it better. If it had not been for the fact
that in all our foregatherings she was careful to sit as far from Felicity as possible, we
might have been deceived.
We had not passed a very pleasant week. Felicity and the Story Girl had not been
"speaking" to each other, and consequently there had been something rotten in the state of
Denmark. An air of restraint was over all our games and conversations.
On the preceding Monday Felicity and the Story Girl had quarrelled over something.
What the cause of the quarrel was I cannot tell because I never knew. It remained a "dead
secret" between the parties of the first and second part forever. But it was more bitter than


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Kaitlin G.
Babysitter in Campton, NH 03223.
Looking for work as a babysitter.
Enhanced Background Check not run.
Enhanced Background Check(Not Run)
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Basic Background Check(Not Run)
Motor Vehicle Records Check not run.
Motor Vehicle Records Check(Not Run)
Campton, NH
- Age 26
- 10 years paid experience
- Female
Last signed in: More than 6 months
Preferred Rate $10-$15 per hour
Kaitlin's Bio
Hi :) My names Kaitlin. I'm a 22 year old female currently nestled in Campton, New Hampshire. I was homeschooled through highschool and attended college for Massage Therapy. I enjoy hiking, organic farming, reading, writing, art of all kinds and whatever brings enjoyment out of life! I currently work part time in a childcare facility for a local gym. Past related endeavors include respite care, therapeutic riding, pet care ( of all kinds!) Babysitter, mothers helper and almost everything in between. I look forward to meeting you!
Age Specific Experience
10 years of paid child care experience with:
- First year
- Toddlers (1 to 3 years)
- Preschooler (3 to 5 years)
- Grade School (6 to 11 years)
- Pre-teen/Teenagers (12 years and over)
Skills & Abilities
Additional Services:
- Willing to drive children to events, school, appointments, or carpooling
- Homework Help
|Carla H. is a reference for Kaitlin G.
|Join Now to Contact Reference


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Change the Default Keep-Alive Time-Out in Internet Explorer (All Windows)
When Internet Explorer establishes a persistent HTTP connection with a Web server it reuses the same TCP/IP socket until the connection is idle for one minute. This tweak allows you to change the time-out period which is useful if you experience connection problems.
|This tweak can be easily applied using WinGuides Tweak Manager.
Download a free trial now!
Open your registry and find or create the key below.
Create a new DWORD value, or modify the existing value, called "KeepAliveTimeout" and set it according to the value data below.
Exit your registry; you may need to restart or log out of Windows for the change to take effect.
|(value not set)
|0x0001D4C0 (120000)
Internet Settings]
Value Name: KeepAliveTimeout
Data Type: REG_DWORD (DWORD Value)
Value Data: Time in milliseconds (default = 120,000)
>> Recommended Download - check, repair and optimize your registry now with Registry Mechanic <<
Disclaimer: Modifying the registry can cause serious problems that may require you to reinstall your operating system. We cannot guarantee that problems resulting from modifications to the registry can be solved. Use the information provided at your own risk.
Last modified: February 19, 2003
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Answers Home
» Health & Wellness
» Pet Insurance
Can anyone recommend good pet insurance for Monmouth co. NJ? Possible delicate surgery for ear polyp in the future.
The surgery is not imminent. The polyp is causing only minimal discomfort at the moment. But it's growing up, which the vet said is harder and more delicate to remove. The surgery will only happen if it starts affecting the ear badly. But we want to be covered in case.
Asked by
Member 275205
on Mar 7th 2011
in Pet Insurance
- Cast your vote for which answer you think is best!
I use Trupanion and have been pretty happy with them. However... virtually all pet insurances would consider the ear polyp and and any future treatment or surgery "pre-existing" and not reimburse as the condition was noted and existing prior to enrollment and policy activation. You could still sign her up for a pet insurance policy in case other health issues arise later. I'd start saving for her potential surgery now though as pet insurance will not help you with anything pre-existing.
Linus (Dreamboat #72a) answered on 3/7/11. Helpful? / 1
Just as the former poster stated, your cat has a pre-existing condition. Any insurance company you apply to will ask for your cat's veterinarian records. Pre-existing conditions are not covered for at least three (3) years. Pet insurance should be purchased when you get a pet or shortly thereafter while the pet is still young, not after it starts getting ailments. I pay $219 per year for one (1) cat and have a $50.00 deductible with Pet Plan Insurance. It is the best I have found and they did pay for my cat's dental surgery because she needed two teeth extracted (even though dental exams are not covered). I have passed the word along about Pet Plan Insurance to my veterinarian and her staff. I hope your kitty gets better.
Member 185886 answered on 3/8/11. Helpful? / 1
I agree with the others regarding the pre-existing condition. My Kira had polyps removed from her ears and a bullae osteotomy 2 years ago and VPI denied it all as pre-existing even though I had purchased my policy right when I got her as a kitten. The surgeon even wrote up appeal documentation that it was not related to a URI that she had just before the effective date but they denied everything. I dropped VPI and now I direct deposit part of my paycheck into a special "kitty account" so I can be prepared for big vet expenses.
Allie answered on 3/8/11. Helpful? / 1


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BHP Billiton: Record $6.4bn loss for world's biggest mining company
Firm hit by the Samarco mine disaster in Brazil and a global slump in commodity prices
Firm hit by the Samarco mine disaster in Brazil and a global slump in commodity prices
Australian executive of Rio Tinto among four jailed after secret hearing / Trial followed wrangles between Beijing and multinational mining companies
Francis Wheen tells Ian Burrell of a decade of paranoia when all journalists dreamed of being the next Woodward and Bernstein
Around 1,000 activists descended today on a stretch of open land in London after the location of the week-long Climate Camp was finally revealed.
For Andrew 'Twiggy' Forrest, it's the boom that has rocketed him to the top of Australia's rich list. For droves of former teachers, tradesmen and nurses, it's a once-in-a-lifetime chance to make their own fortunes. In the desolate iron mines of the Outback, Kathy Marks joins the new – and surreal – gold rush


text: Divxturka.net is using Redbunker! Because Redbunker is better than Hotfile, Netload and Rapidshare ! Click here and buy REDBUNKER premium account! Plot: Prince Amara, the capable and reliable adopted son of Malaysian billionaire Jaggoi Sibuyan is the pride of the family, more so than his full-blooded son Putra Sibuyan. When the powerful patriarch of Dana Corporation dies, Prince inherits the successful company but the jealous Putra frames him for murder. Shamed and beaten, Prince is banished from the country and told that he will be killed if he returns to Malaysia. With the help of entrepreneurial gangster Ben Carlton and killer bodyguard Iskandar Yaakob, he must prepare himself physically and mentally, as he returns to clear his name and regain his position in society as prince of the city. Genre: Action | Crime | Thriller IMDB Rating: 5.2/10 from 18 users Directed by: Roslan Hussin Starring: Julian Cheah, Michael Madsen, Aaron Aziz Release Name: Prince.of.the.City.2012.720p.BluRay.x264-RUSTED Size: 3353 MB Video: MKV | 1280 x 544 | 4098 kbps Audio: English | DTS | 1510 kbps Runtime: 84 mins Information: Code: http://www.imdb.com/title/tt2182071/ Download: Code: Single Link No Extraction http://www.redbunker.net/8rxkf2o6rcci/prince.of.the.city.2012.720p.bluray.x264-rusted.mkv.html IF YOU LIKE MY UPLOADS PLEASE GET A REDBUNKER PREMIUM ACCOUNT, Thank You All for your Support Enjoy!


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The Starke County Sheriff's Department's radio tower suffered quite a bit of damage from this week's storm. Sheriff Oscar Cowen says a maintenance crew has come in and removed the portion of the tower that was damaged, and the department has had to re-adapt the antenna to allow them to stay in operation until they can have the tower replaced.
Currently, Cowen says they are waiting for the insurance company to come out and look at the damage to determine what they will replace it with, or what kind of antenna they will be putting up in its place. Cowen says they are not sure how long it will take before the damage is repaired, but he has heard the tower itself could cost anywhere from $35,000 and up – but they won't have a certain figure until the insurance adjustor gives them the OK to have a company repair the damage.
Communications between the emergency agencies were not disrupted, but Cowen said they have had to equip the fire department and ambulance services with hand-held 800MHz radios to keep in contact. He says this is not the first time the weather has placed a burden on communications, but he has never seen this type of damage done to the sheriff's department.
Highway Superintendent Steve Siddall says his crews have managed to clear enough debris to open all county roads, but he says they are still cleaning up debris from the storm on the sides of the roads. He expects this cleanup to take up at least the rest of the week, but they have removed all signs and barricades on roads that were previously closed due to downed trees and other debris.
Siddall says County Road 200 East near the Starke County Airport was one of the most difficult portions of the cleanup operation. He says electrical lines and poles that had snapped off were lying in the middle of the road, and his crews were unable to perform the cleanup until Kankakee Valley REMC was on the scene to get the lines off the road. Further, he says many people were in the area gawking at the damage, further gumming up the works.
Siddall says their next effort will be the courthouse cleanup, which he expects to be done around Friday or Monday at the latest.


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- Reggie Williams retired from the NFL decades ago, but still feels the impact from his 14-year career every day. Now, Williams is fighting to save his leg and wants the NFL to help. ()


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in flyboys squadron, players can take part in historical battles of world war i in 10 historical aircraft and historical terrain based on scenes from the movie. the game features 12 single player missions and multiplayer missions that pit hundreds of players against each other to see who is king of the skies. players who buy the retail game will receive one month free to access the massive online game play.
although no pricing is available for the title, a demo for the game will be available beginning september 7 from the flyboysgame.com website. the full retail version will become available in the fall.
read more at ign.
user comments 16 comment(s)
|i dunno (11:04am est thu aug 31 2006)
does this game offer enough to make it worth paying for?
pretty much all mmos are rpg based with a lot of content to go with it.
time will tell i guess. – by karmek
|dunno (12:47pm est thu aug 31 2006)
the screenshots look like a (slightly) updated version of red baron 3d. while that was a excellent game, it's not something i'd pay a monthly fee for multiplayer.
as for upcoming wwi flying simes, third wire (makers of strike fighters, wings over vietnam and wings over europe) are working on one. that's one i'll willingly pay for. – by jrink
|uhhh (2:57pm est thu aug 31 2006)
any game based on a movie is almost guaranteed to be a buggy release due to the time constraints of releasing around the movie's premiere. – by lived ip
|oh and lets not forget… (3:02pm est thu aug 31 2006)
how buggy regular mmo's are without being based on a movie. – by yei
|why is this news? (7:39am est mon sep 04 2006)
this game will bomb and so will the film me thinks. – by voices
|flyboys mmog (3:55pm est mon sep 04 2006)
flyboys the game is based on the very successful warbirds game engine that has been recognized as one of the very best online flying simulations ever!
the single player version of the game will provide many challenging missions to grow your skills as an aviator and as a ww i fighter pilot.
when you can accomplish those missions, you should then come online to try against real online pilots to find out how really good you are!
the online version is free to the retail purchasers for a full month.
our online games are always being improved and are never buggy as we fix bugs as soon as they are reporting by our players.
the online portion is well tested an operates everyday with hundreds of players playing successfully every day.
i look forward to having you come fly with us with online flyboys.
then we will determine if you have the real skills it takes to be an aviator??
wild bill stealey
|you better straighten up and fly right! (12:32pm est tue sep 05 2006)
r u a 4 rel brd col?
omg thts so cul!
gime a job?
– by admrl sly, decd, ret
|flyboys game (10:46pm est mon sep 11 2006)
the game is not rpg is ww1 flight sim and its awesome.. there is a learning curve but there are people in the online arena who can help tremendously… – by yorkie
|the sim is fully realized (10:17am est thu sep 14 2006)
fly it online and see for yourself.
it's got at 10 years development time so it's not some buggy and cobbled together game designed to take advantage of the hype.
– by howlermonkey
|unrealistic (9:41pm est sat sep 16 2006)
will the game be as fake as the movie looks? there were no black pilots in wwi & only 1 red triplane! – by w. voss
|flyboys movie rocks (11:41am est mon sep 18 2006)
remember when the tiefighters in star wars was flying around the star destroyers in battle? like that but with vehicles that really existed. zeppelins and triplanes.
saw it for the first time last week and it was awesome! anyone saying anything otherwise has no taste.
a very fun and exciting movie.
not being a 100 percent historically accurate doesn't ruin the movie. i don't know of one movie that is 100 pecent historically accurate. titanic or pearl harbor anyone?
– by sharpg
|to woss (9:11am est sun sep 24 2006)
yes, there were more than 1 red triplane (just different tailmarkings, and at least one black pilot…research it yourself bucko – by red baroness
|ps woss (9:22am est sun sep 24 2006)
eugene bullard was the son of the slave who was a boxer in france and joined the escadrille. – by red baroness
|do your research woss! (2:42pm est mon sep 25 2006)
eugene bullard was certainly not part of the lafayette escadrille!!
here is the roster of pilots:
pilot's name
victor chapman
james mcconnell
norman prince
kiffin rockwell
capt. georges thenault
lt alfred delaage de meux
william thaw
elliot cowdin
bert hall
raoul lufbery
h. clyde balsley
c. chouteau johnson
laurence rumsey
dudley hill
didier masson
lt charles nungesser
paul pavelka
robert rockwell
willis haviland
frederick prince
robert soubiran
ornald hoskier
edmond genet
edwin parsons
stephen bigelow
walter lovell
edward hinkle
harold willis
kenneth marr
william dugan
thomas hewitt
a. courtney campbell
ray bridgman
charles dolan
john drexel
henry jones
lt antoine arnoux de maison-rouge
james hall
douglas macmonagle
david peterson
james doolittle
lt louis verdier-fauvety
christopher ford
– by vg
|oops..wrong person.. (2:45pm est mon sep 25 2006)
that last note was to red baroness!! – by vg
|again..do your research red baroness! (1:48pm est wed sep 27 2006)
if you even bothered to pick up a history book you would find that there was only one all red fokker dr1 triplane flying on the western front in 1917/ 1918! the rest of mvrs.. aka.. the "red baron" squadrons had varying degrees of the color red (cowlings, interplane, cabane struts, and wheel covers) but thats all!
the movie took many liberties with the facts…typical hollywood.
– by vg


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Tua-Ustinov postponed until November 16
Photos: Dave Cameron
Heavyweight David Tua's clash with Alexander Ustinov has been postponed until Saturday November 16. It was thought that the fight originally slated for Claudelands Arena on August 31 would be put back to late September after the Tuamanator picked up a minor grade 1 calf muscle injury last week. However the challenge of venue availability and not clashing with other significant sports events saw a slightly longer than expected hiatus for both fight camps."This is the fight game and every now and again fighters get injured and plans change," says promoter David Higgins of Duco Events. "It's business as usual. Delays are commonplace in boxing."
With the event almost sold out, Duco Events want to assure GA ticket holders that their tickets will remain valid for the new date and a new ticket will not be issued. Any enquiries to be directed to Ticketek – phone 0800 Ticketek or 0800 842-538 or email email@example.com. Also all corporate table bookings remain valid for the new date. Any enquiries to be directed to Duco Events 09 309-2907.
Mr Higgins moved quickly to pay tribute to the professionalism of both camps since Tua's injury was sustained last week. "Alexander and his crew from K2 Promotions have been exceptional," Mr Higgins said. "They understand that delays are commonplace in the world of boxing. They couldn't have been more accommodating in terms of accepting the new date. "And David Tua, too, has been excellent to deal with. He has put in an enormous amount of work to get himself into peak condition for the Hydr8 ZERO David v Goliath bout. But he has kept his spirits up and has accepted the new date and has already begun re-strategizing his build up."
Indeed, Tua is unfazed by the delay. "It is what it is," he said. "All you can do is be positive, and to be honest, there is plenty to be positive about. The delay gives me even more time to get into peak condition and it also allows me to leave no stone unturned when it comes to the strategy of the fight." Ustinov, too, is happy with the new date in Hamilton. "Coming to New Zealand to prepare for August 31 has been great. Even though the fight has been delayed, when I come back in November I will know what to expect inside and outside of the ring. These things happen in boxing. I'm just looking forward to the fight and taking on David Tua."


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Hey Guys,The channels/grooves on the trunk floor of my F-bird have about a 1/16 hole in each of them & looks to be factory, are they drain holes? Thanks,PD
Restoring 68 Bird (coupe)
I haven't seen OE holes like that, somebody probably drilled tham and touched them up when the car was much younger. Just a guess!


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The following meditation is a vehicle through which to consciously attain and physically become aware of your fifth-dimensional energetic signature while still embodying a third-dimensional form.
Humanity, as a civilization, is evolving because we reside on a planet that is attaining her fifth-dimensional resonance within our solar system and galaxy. Through the power of sacred geometry, you can consciously participate in your own evolutionary expansion and physiological transformation.
This is a process to engage in regularly as the electromagnetic energies flooding the planet are changing every day.
*Freedom from fear, unconditional loving, understanding the meaning of life, and accessing the abundance of the universe are just some of the results.*
This mechanism has been given to humanity to facilitate the development of a new civilization of peace on Earth, a civilization that is in harmonic resonance with the planet upon which it resides, and is capable of participating in the galactic community to which it also belongs. Each step of the mechanism is outlined in detail below.
Start with The Golden Octahedron and end with The Golden Spiral. In the process, you are attuning to your own universal auric field.
*WATCH a video of the Fifth-Dimensional Human Resonance Meditation*
*LISTEN to a live recording of the Fifth-Dimensional Human Resonance Meditation*
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The Golden Octahedron
1. Upper four-sided pyramid moves from apex at the Monadic Star (or
12th chakra) above the head, to the base plate at the solar plexus
– Lower four-sided pyramid moves from the base plate at the solar
plexus down to the multi-universal return, (four chakras beneath
the Earth Star, or roughly three feet below your physical feet.)
– Spins clockwise at 100% spin rate.
2. The golden octahedron is the geometry of the spiritual body of your all your expressions within this universe. It transmits the presence of transcendence into your being and facilitates your evolutionary development in every life form you embody.
3. Gold calcite, gold or imperial topaz, and phenacite are the minerals through which the golden octahedron facilitates your intimate conscious connection with your own spiritual nature, the essential essence of your being.
4. It is from this spiritual essence that all manifestation emanates with a distinct purpose, function, and process. The electromagnetic energy creating and sustaining your various life forms is generated here as one Source of Creation. Knowing how to understand and access electromagnetic resonance creates mastery throughout the universe.
The Blue Diamond Crystal and The Blue Heart Star
1. Intense blue beams descend from the Monadic Star (or 12th chakra) and anchor into the pearlescent white 10th chakra above your head.
– Intense blue beams ascend from the multi-universal return beneath
your feet and anchor into the galactic return (below your Earth Star
and Solar Return.)
– Increase the diameter of the beam by 3.5%.
– Activate the Blue Diamond Crystal by becoming conscious of it.
– The upper tip of the Blue Diamond Crystal is located at the 10th
chakra while the lower tip of the Blue Diamond Crystal is located
at the Galactic Return.
– Once aware of the Blue Diamond, activate the Blue Heart Star located
at your fifth-dimensional heart, above your thymus, in the middle
of your breast bone. It will literally shine like a star in the night
2. The Blue Diamond Crystal is the geometry of your mental body throughout your universal expressions. It connects you with your galactic consciousness and the experiential wisdom to be gained therein. It is the home of the Blue Heart Star that processes intelligence as awareness. This is our introduction to the thought process of consciousness that provides a means of comprehension beyond physical information and data processing.
3. Lapis lazuli, celestite, lazulite and shattuckite, are minerals through which the Blue Diamond Crystal can be accessed to increase awareness as your fifth-dimensional thinking process. Sleeping with these stones is an effective way to consciously connect with your own galactic intelligence.
4. The Blue Heart Star is the brain of the galactic mental body and is the primary empathic center for galactic awareness and energetic competence. Turquoise, angelite, ajoite, aqua aura, and owyhee blue opal will assist in connecting you with your Blue Heart Star and should be worn on the upper chest for maximum effect.
5. Working with the Blue Diamond Crystal will provide the skills necessary for communicating with and understanding the role, function, and purpose of an evolved humanity within the galactic community.
The Pink Stellated Dodecahron
1. The pink stellated dodecahedron encompasses the Soul's auric field,
connecting with the Earth Star below the feet and the Soul Star above the head. The points emanate from the faces of the dodecahedron and the stellated points penetrate the 9th chakra above the head and the Solar Return beneath the Earth Star.
– The stellated dodecahedron is constantly radiating energy outward
from the points and simultaneously inward towards the solar plexus.
– It receives the electromagnetic frequency to be distributed throughout
the universal auric field from the crystalline transmissions of the
etheric body.
– Supported by the Blue Diamond Crystal and contained by the
Golden Octahedron, the pink stellated dodecahedron is an electromagnetic delivery service for your expressions manifesting throughout this universe.
– Become aware of how the pink stellated dodecahdron is radiating the
frequency currently being delivered.
2. The Pink Stellated Dodecahedron is the geometry of your emotional body throughout your universal expressions. Through this dodecahedron, the life forms that you embody within the universe communicate with one another and address the manifestation of their desires on the planetary, solar, galactic, and universal levels. Your universal emotional body functions as your multi-dimensional conference center and multi-dimensional manifestation generator. Here, the wishes, desires, hopes, and dreams of your universal selves are considered for manifestation based upon the validity, purpose, and value offered to each expression. Once a vector of electromagnetic transmission is activated, it radiates throughout the universal auric field causing sequential action to occur throughout your solar, galactic, and universal expressions.
3. Pink mangano calcite, pink smithsonite, pink lazurine, and pink
kunzite are minerals through which you can access and utilize the coherent creative power of your universal emotional body. Utilize them in meditation to converse with your multi-dimensional universal presence and find the harmonic resonance required for your collective being to manifest its primary needs and desires universally. During these meditations, your Blue Heart Star makes you cognizant of that which is truly required for your joyful evolutionary development. Listen to it well before requesting a specific relationship, situation, resource, or environment so that your results are pleasing and helpful.
4. For your universal emotional body to be fit it must be exercised with precision and attention. You do not want a jumbled communication system unable to deliver a message. Nor, do you want damaged wires unable to transmit clear electrical signals. All negativity must be purged from the system to clear the emotional body. Low self-worth must be deleted for the system to run effectively. How can you manifest what you don't believe you deserve? Joy must be downloaded as a precursor to celebration and to create the component through which unconditional loving will be installed.
5. The pink stellated dodecahedron radiates the electromagnetic frequencies through which unconditional loving is experienced. As such, it is the source of coherence throughout your universal expressions, each becoming aware of the vastness of their collective power to contribute to the experiences of life as it exists throughout this universe.
The Green Octahedral Matrix
1. Spans the Soul's auric field with the upper point connecting with and
through the Soul Star to the 9th chakra, and with the lower point connecting with the Solar Return through and beneath the Earth Star.
– The lower crystal point opens and closes, similar to the way a day lily
– Inside the lower point is the rotating Earth Star, which
functions as a frequency modulator. Every day it transduces the electromagnetic energies arriving on the planet from the universe through the galaxy and into our solar system so that our physical forms can receive the evolutionary transmissions that are upgrading our anatomy to fifth-dimensional resonance. Some days the point is closed, other days, the point is moving into new geometric configurations to accommodate the energy signatures being delivered.
– This is a columnar matrix of octahedrons that envelopes the human
form and runs through the Light Channel of the Soul's auric field.
– Simply become aware of the green double terminated crystal that is
now running energy through your auric field. Note whether the
lower point is open or closed. Focus upon the rotation of the
Earth Star modulating the spatial frequency being transmitted.
Become aware of how the electromagnetic energies are traveling
through the upper point into the pink stellated dodecahedron and
radiating through it into your universal auric field.
– Become aware of how the pink stellated dodecahdron is focusing the
same electromagnetic flow into the solar plexus chakra of your physical form.
– Relax into the energy infusion.
2. The Green Octahedral Matrix is the geometry of your universal
etheric body. It is expressed as a double terminated crystalline lattice through which electromagnetic commands are delivered to your various life forms throughout the solar system, galaxy, and universe. Through this octahedral matrix, the coherence of your universal expressions are maintained through their evolutionary modulations. The physical forms through which you collectively express yourself are transformed here. Consider this the garage for the multi-dimensional physical vehicles your inhabit throughout the universe.
3. Peridot, green jade, octahedral fluorite, serpentine, and emerald facilitate the absorption of your daily electromagnetic deliveries into your physical form and out into and through your pink stellated dodecahedron. Place them in your homes, offices, and yards to further the ease of your transformation. Make sure that they are programmed to ground these higher dimensional frequencies into your relationships, careers, and environments. Pick them up periodically and embrace them for the energetic services they are providing.
4. All forms of double-terminated quartz facilitate your deepening
awareness of and participation in your current physiological transformation. Meditate with them by holding them upright or laying them vertically on your body so that the points correlate with your Soul and Earth Stars. Note the amplification of the frequencies being delivered through your stone tools and become aware of the purpose of a particular vibration through the color and/or sound being generated.
5 Your etheric body is functioning as a double-terminated crystal– receiving, amplifying, and transmitting higher-dimensional electromagnetic energy into your evolving physical form and out into your universal auric field. It is inherently ordered and symmetrical due to its crystalline origins. It is the vehicle through which our carbon-based biology is evolving into a silica-based biology. Through our crystalline etheric body, the isolation of humanity –caused by our chaotic, irrational processing– will be replaced by coherence throughout our multi-dimensional universal expressions.
1. Imagine the spiral configuration of our Milky Way Galaxy. Now
visualize a similar golden spiral rotating horizontally through your solar plexus, both abdomen and back, and expanding through your universal auric field. Relax into your physical evolution.
2. The Golden Spiral is the geometry of your physical body. It is the energy through which your spiritual essence, your electromagnetic signature, embodies into multi-dimensional life forms throughout this universe. It correlates with the phi ratio of the Golden Rectangle, the Fibonacci sequence of numbers through which the patterns of all physical life in this universe express themselves. On Earth, this includes all the kingdoms of nature, stones, plants, animals, and humans in coherence with planetary life.
3. Yellow jasper, lemon quartz and sulphur will assist in your physical journey into multi-dimensional by resonating with the Golden Spiral functioning within your universal auric field.
– Drinking a gem elixir of yellow jasper and lemon quartz, singularly or together, will vitalize the precipitating new physical form being born from the old.
– Sleeping with sulphur next to the bed will assist with the departure of unnecessary carbon-based structures to make room for the expanded functioning of crystalline human being.
4. The evolution of the physical form into fifth-dimensional resonance occurring through embodiment is an experimental technology that is advancing the understanding of life in this universe. To consciously upgrade an unconscious civilization in the throes of remembrance is indeed a daunting task. Yet, it is exciting in its ramifications for the transitional ease of life forms throughout this universe.
We are happy to offer this meditational mechanism as our gift to humanity to facilitate the physical cohesion of your humanity into your universal multi-dimensional presence.
*WATCH a live presentation of the Fifth-Dimensional Human Resonance Meditation taped during "The Crystal Shift" workshop on March 27, 2010.*
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*All text and images are the sole property of Growing Consciousness, LLC | Copyright © 2010 Growing Consciousness, LLC. All Rights Reserved.
Photographs and illustrations, as well as text cannot be used without written permission from Growing Consciousness, LLC.


text:
Nicholas Nickleby HTML version
Chapter 32
Relating chiefly to some remarkable Conversation, and some remarkable
Proceedings to which it gives rise
'London at last!' cried Nicholas, throwing back his greatcoat and rousing Smike
from a long nap. 'It seemed to me as though we should never reach it.'
'And yet you came along at a tidy pace too,' observed the coachman, looking
over his shoulder at Nicholas with no very pleasant expression of countenance.
'Ay, I know that,' was the reply; 'but I have been very anxious to be at my
journey's end, and that makes the way seem long.'
'Well,' remarked the coachman, 'if the way seemed long with such cattle as
you've sat behind, you MUST have been most uncommon anxious;' and so
saying, he let out his whip-lash and touched up a little boy on the calves of his
legs by way of emphasis.
They rattled on through the noisy, bustling, crowded street of London, now
displaying long double rows of brightly-burning lamps, dotted here and there with
the chemists' glaring lights, and illuminated besides with the brilliant flood that
streamed from the windows of the shops, where sparkling jewellery, silks and
velvets of the richest colours, the most inviting delicacies, and most sumptuous
articles of luxurious ornament, succeeded each other in rich and glittering
profusion. Streams of people apparently without end poured on and on, jostling
each other in the crowd and hurrying forward, scarcely seeming to notice the
riches that surrounded them on every side; while vehicles of all shapes and
makes, mingled up together in one moving mass, like running water, lent their
ceaseless roar to swell the noise and tumult.
As they dashed by the quickly-changing and ever-varying objects, it was curious
to observe in what a strange procession they passed before the eye. Emporiums
of splendid dresses, the materials brought from every quarter of the world;
tempting stores of everything to stimulate and pamper the sated appetite and
give new relish to the oft-repeated feast; vessels of burnished gold and silver,
wrought into every exquisite form of vase, and dish, and goblet; guns, swords,
pistols, and patent engines of destruction; screws and irons for the crooked,
clothes for the newly-born, drugs for the sick, coffins for the dead, and
churchyards for the buried-- all these jumbled each with the other and flocking
side by side, seemed to flit by in motley dance like the fantastic groups of the old
Dutch painter, and with the same stern moral for the unheeding restless crowd.
Nor were there wanting objects in the crowd itself to give new point and purpose
to the shifting scene. The rags of the squalid ballad- singer fluttered in the rich
light that showed the goldsmith's treasures, pale and pinched-up faces hovered
about the windows where was tempting food, hungry eyes wandered over the
profusion guarded by one thin sheet of brittle glass--an iron wall to them; half-
naked shivering figures stopped to gaze at Chinese shawls and golden stuffs of
India. There was a christening party at the largest coffin-maker's and a funeral
hatchment had stopped some great improvements in the bravest mansion. Life


text:
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Refinancing Mortgages Won't Fix Housing Market: Edward GlaeserEdward Glaeser
Aug. 30 (Bloomberg) -- The New York Times reported last week that the Obama administration was considering a proposal to "allow millions of homeowners with government-backed mortgages to refinance them at today's lower interest rates, about 4 percent."
The measure's supporters tout this as an almost cost-free way to stimulate the economy, boost the housing market and reduce foreclosures. But universal refinancing is far from free, and is poorly designed to stimulate either the economy or the housing market. Certainly, Fannie Mae and Freddie Mac, the huge finance companies now under government control, will have to allow some mortgage modifications in order to reduce their foreclosure losses. That calls for smart, selective policies, not universal refinancing.
This wouldn't be the first time that the government has gotten involved in the loan-modification and refinancing business. The Home Affordable Modification Program and the Home Affordable Refinance Program provided incentives to loan servicers willing to refinance or modify the loans of struggling homeowners. These were modest, sensible programs, but they have helped fewer homeowners than some might wish.
The most extreme proposal now being floated involves refinancing at current low rates all the mortgages insured by Fannie Mae and Freddie Mac. One of the big appeals is that it seems like free stimulus. As the Times reported, "proponents say the plan carries little risk because the mortgages are already guaranteed by Fannie Mae and Freddie Mac."
Cost Billions
But even supporters of the plan, including my fellow Bloomberg View columnist Ezra Klein, emphasize that refinancing would mean that "Fannie Mae and Freddie Mac eat billions by giving up their ability to challenge these reps and warrants" given by mortgage issuers in the first place.
While forgoing the right to make banks bear the burden of carelessly vetted mortgages is a real cost, the largest price tag of any refinancing program is the direct one: Mortgages now paying investors 6 percent would pay only 4 percent. Someone would lose those interest payments, which Klein suggests may amount to as much as $85 billion annually.
My quick calculation based on the Times's interest-rate graphic came to about $35 billion per year over many years. If the program works, agency-insured mortgages would be paid off early and bondholders would take losses essentially equal to the benefits gained by borrowers.
MBS Investors
As nobody loves a mortgage-backed security investor, this may seem like free stimulus, but, like it or not, we are all MBS investors now. When we're talking about reducing payments to Freddie and Fannie mortgage holders, we're really talking about reducing payments to ourselves. Our government owns a massive amount of agency-insured debt and would take a significant part of the hit if debtors reduced their payments.
The Federal Reserve System owns almost $900 billion of securities insured by Fannie Mae and Freddie Mac. Those two finance companies, which are now squarely part of our government, have retained mortgage portfolios of $730 billion and $680 billion, respectively. The Treasury still had about $80 billion of these securities on the books as of July. This $2.39 trillion portfolio is roughly equal in size to the Times's estimate of "$2.4 trillion in mortgages backed by Fannie and Freddie" that "carried interest rates of 4.5 percent or higher."
This rough equivalence doesn't mean that private investors won't bear much of the cost of prepayment, but some significant share of the revenue losses from lower mortgage payments would surely be paid by taxpayers.
Stimulus Effect
What about the program's benefits? Refinancing makes little sense as stimulus, whose goal is to provide a temporary benefit that induces more spending today. Instead, state-supported refinancing is a benefit that pays off year after year for as long as three decades. As the loss to investors is experienced immediately, while the benefit to credit-constrained borrowers is spread over time, the net effect on the economy may well be negative.
It's also hard to see why housing markets would be significantly strengthened by lowering the interest payments for existing homeowners. My work suggests that the link between interest rates and housing market is relatively modest, and this refinancing effort won't do anything to reduce borrowing costs for new buyers.
Lower Payments
The most natural way in which widespread refinancing for troubled homeowners could support the housing market is by reducing foreclosures, and empirical work typically finds weak evidence that lower mortgage payments reduce the likelihood of defaults.
My colleague Christopher Foote, along with Kristopher Gerardi, Lorenz Goette and Paul Willen, estimate that a 20 percent reduction in the initial interest-rate cost of a mortgage would lead the monthly default rate to fall by about 0.4 percentage point for subprime borrowers and less than 0.1 percentage point for standard borrowers. They find that changes in the unemployment rate or housing prices have a significantly bigger impact on defaults than changes in the interest rate.
After all, if refinancing saved so much money by reducing defaults, private lenders would surely find mortgage modification far more appealing than they do.
Government support that enables refinancing among borrowers who couldn't refinance in the private market on their own is a public transfer to these borrowers.
Rewarding Borrowers
Many people may wonder why the federal government should reward people who borrowed heavily to buy during the boom and whether such generosity doesn't encourage future risk-taking. Others will surely ask why this aid isn't means-tested or focused just on the elderly or families with small children, who might suffer most from a move. Still others will question whether it is wise to try to keep people in houses they never should have bought and still can't afford.
Yet Fannie Mae and Freddie Mac are left with their obligation for large numbers of defaulting and potentially defaulting mortgages. Managing this portfolio makes some mortgage modifications appropriate, as long as these measures are motivated by a sensible desire to reduce taxpayer outlays, rather than high-flying claims about the widespread economy-wide benefits from subsidized refinancing.
Fannie and Freddie also have the problem of managing their stock of already foreclosed homes, and the Times discussed a second proposal to rent some of those homes so that they can be sold slowly.
Rental Proposal
Exploring options makes sense, because selling homes too quickly means low prices, especially if you are trying to move thousands of foreclosed homes at once. Yet the government needs to be quite careful here as well, because renting homes that were meant to be owned is never easy.
The case for slow sales was made in a classic paper by David Genesove and Chris Mayer, which found that Boston condominium sellers with high loan-to-equity levels sold their units more slowly and got substantially higher prices. Steve Levitt and Chad Syverson found that real estate agents, who presumably know more about housing markets than ordinary sellers, typically take 9.5 days longer to sell their homes and receive 3.7 percent higher prices, holding everything else constant.
By contrast, my colleague John Campbell, along with his co-authors Stefano Giglio and Parag Pathak, estimate a general forced-sale discount of 18 percent and a foreclosure discount of 28 percent.
Lost Value
Selling slowly offers some chance of reducing taxpayer losses on these foreclosed sales and keeping housing prices stable, but renting these homes would be tricky. We should also expect significant losses in value from renting, because renters have less incentive than homeowners to take care of the property. A significant literature shows that homes lose value - - as much as 1 percent per year -- when they are rented. The maintenance problem is likely to be exacerbated if, as I expect, the Feds end up trusting someone else to handle the rental contract.
The Federal Housing Finance Agency, the regulator of Fannie Mae and Freddie Mac, is soliciting ideas from the public and investors. I hope that the government doesn't end up subsidizing private investors to turn landlord and that any landlords would post a significant maintenance deposit to cover damage to the property.
A massive refinancing effort is likely to have little impact on the economy or foreclosures or housing prices. What it would do, however, is hurt our government's already precarious balance sheet by reducing the payments on its vast mortgage portfolio.
Fannie and Freddie should focus on reducing public losses with sensible, limited mortgage modifications and by selling foreclosed homes reasonably slowly.
(Edward Glaeser, an economics professor at Harvard University, is a Bloomberg View columnist. He is the author of "Triumph of the City." The opinions expressed are his own.)
To contact the writer of this article: Edward Glaeser at email@example.com.
To contact the editor responsible for this article: Max Berley at firstname.lastname@example.com.


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Matthew McConaughey and Camila Alves: Malibu Night
Leaving their little one Levi home with a babysitter, Matthew McConaughey and Camila Alves were spotted making their rounds in Malibu, California last night (April 21).
The "How to Lose a Guy in 10 Days" and his beautiful Brazilian babymama opted for a delicious dinner at the swanky Nobu restaurant, looking very lovey-dovey as they made their way inside.
Earlier in the evening, Matthew and Camila were spotted over at the Malibu Lumber Yard grand opening event along with stars like Jeremy Piven, Minnie Driver and Vanessa Minnillo.
And of course, both Mr. McConaughey and Miss Alves were looking stunning in coordinated all-black ensembles.
Enjoy the pictures of Matthew McConaughey and Camila Alves out last night (April 21).
Photo Credit: FamePictures.com, SplashNewsOnline.com


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Jered Weaver knows that roster decisions are out of his control, but he made it as hard as he could for the Angels to leave him in Triple-A on Friday night, carrying Salt Lake to a 1-0 victory. The big righty went the distance to collect his second shutout of the year, giving up just two singles. He set a franchise record by striking out 14 Sacramento hitters and, for the second time this year, carried a no-hitter into the seventh inning.
First baseman Corey Myers scored the only run of the game after reaching on a walk to open the fifth inning. He moved up on a sacrifice bunt in front of two more walks before coming around on a groundout by Curtis Pride. Pride had singled earlier to extend his hitting streak to 11 games.
Arkansas falls in extra innings
The Travelers took a lead to the bottom of the eighth, but after watching Corpus Christi tie it, could manage just one hit before the Hooks won on a walk-off homer in the 12th.
Nick Green gave up a pair of homers among the three runs he allowed in seven innings, leaving with a chance to win his third game in four starts. However, Bill Edwards gave up a pair of runs in the eighth and Miguel Gonzalez allowed just his second homer of the season to give the Hooks a walk-off victory in the 12th.
Utilityman Devin Day had his best game in a Travelers uniform going 3-for-5 with a pair of runs scored and an RBI. The righty was at second base Friday, but has played all three outfield positions and everywhere on the infield but first in only 23 games. He also stole his first base since last July.
More misery for Quakes in High Desert
The Quakes dropped their 10th straight contest against the Mavericks, getting shelled 12-2 in Adelanto.
The Mavs jumped on starter Micah Posey for eight runs on eight hits and three walks in four-plus innings of work. While Posey's total was inflated when all three runners he left on in the fifth scored, his inability to get deep into games hurt him as it has all year. The lefty has been chased before the end of the fifth in five of his 13 starts. He is now just 1-8 since moving into the rotation.
Leadoff man Josh LeBlanc had the only extra-base hit among the six the Quakes collected with a double to open the sixth inning. The lefty is now hitting .290 in June to bring his season average up to .250.
Kernels get rain-shortened win
Cedar Rapids scratched out a run in the fourth inning and then held on through the rain until the game was called after the sixth.
Josh Davies had an impressive debut in full-season ball, collecting a single in his first at-bat and then driving in the only run of the game in his next trip to the plate. The Australian, who has played all four infield positions and left field during two seasons in Arizona, started at third base for the Kernels. The righty drew a walk to complete his perfect night at the plate.
Starter Stephen Marek, who hasn't lost since April 25, earned his eighth victory of the year with the abbreviated complete game. After allowing just one earned run in his last 18 innings of work, Marek now has a 2.14 ERA for the season, just 0.03 behind Nick Adenhart for the team lead.
Orem lays an egg in home opener
The Owlz played their first game at home tonight against the now-familiar Ogden Raptors, but couldn't do anything to please the fans in a 7-1 defeat.
For the second time in three days, righty Felipe Arredondo threw 1.2 innings of shutout ball in relief. The 19-year-old from Mexico has yielded just one hit while striking out five. In Arizona last year, the hard thrower recorded 62 whiffs in 59 innings.
Last year's second round pick P.J. Phillips had a single in four at-bats and has now hit in each of the Owlz four games. The 19-year-old from suburban Atlanta led his Arizona League club with a .291 average last season.
AZL Angels won't go undefeated
In game two, the rookie league Angels were unable to find late-inning heroics and fell to the Mariners 7-5 in their first game at Tempe.
Centerfielder Jeremy Moore had a pair of hits, including a two-run triple after an 0-for-5 start to the season Thursday. The left-handed hitter from Louisiana hit .227 in 110 at-bats in the desert last summer after the Angels took him in the fifth round.
After reaching base four times in the first game, third baseman Matt Sweeney repeated the feat on Friday, including his first professional home run. He had just one other official at-bat in the contest however, as he drew a walk and was hit by a pitch twice. The lefty hit .600 in his senior season at Magruder High School in suburban Washington, D.C., slugging 11 home runs while striking out just once in 77 plate appearances.
Starter Esmerlin Jimenez had a rough U.S. debut, giving up six earned runs on eight hits in just 2.2 innings. The righty, who gave up just one home run in 105 innings over two seasons in the Dominican Summer League was touched for a three-run blast in the third inning.


text: To help commemorate the 30th anniversary of i-D Magazine, publishers Taschen create a book to highlight the magazine's various covers of the last three decades. The magazine originally created by Terry and Tricia Jones also provides a selection of special moments over the magazine's successful span. Available now at colette.


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Gun Talk
Are you a gun fanatic as well? If so, you'll want to talk to other owners about what you own in this forum.
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Master of his domain.
AAR: Advanced Handgun Manipulation
Class: Advanced Handgun Manipulation
Instructor: Marco Caporale
Assistant Instructor: Suraj Montoute
Host: Shoot Shack
Weather: Mid 80s and sunny
Proposed round count: 600 Actual round count: 650ish
Glock 19 with Trijicon RMR, Stippled frame, finger humps removed and undercut trigger guard
Dawson Precision Fiber Optic Suppressor Height Front Sight and Ameriglo Rear Sight
Vickers Mag Release, Vickers Slide Release, Grip Force Adapter
Raven Phantom Holster
Ares Ranger Belt
TCI Hearing Protection
Rudy Project Rydons glasses
Costa Leg Rig
We started the day with accuracy drills from five and ten yards using both a standard grip and a dominate hand only grip. This was used to establish a baseline for each student. We then moved to transitions from dominate to weak (both two hands and one hand) from the same distance. Not many people practice weak hand drills, and I think it was evident from the results.
Next up was instinctive shooting (taping off both the front and rear sights), again using a standard grip, strong hand only, and weak hand only. The drills worked us from three to five yards, shooting at both the head and the chest. After that, the tape on the rear sights came off and we shot from seven to ten yards, again using the three different grips. Lastly, we were free to use the full sights while we moved back to 20 yards and shot two hand, strong hand only, and weak hand only. I encourage everyone to try shooting weak hand only from 20 yards, its a challenge.
At this point we began the movement drills, starting with a simple walk in from 20 yards while shooting and reloading as necessary. This drill included drawing and shooting using both two hands and strong hand only. We then started to incorporate additional movement of left, right, and forward of barriers while getting off the X. All of the drills included multiple shots to the head and chest and reloading when necessary.
Next up was weak hand only, drawing from the holster. This was done in several different ways from both standing and kneeling. The theory behind this drill is that your dominant arm is unusable, and there is a threat that needs to be stopped.
The shooting portion of the day ended with accuracy drills from both five and ten yards.
After the drills were done we had a quick debrief. We talked about real life scenarios and the when and why you would use some of the drills that were introduced throughout the day. I talked about one particular drill that I didnt feel would be useful, and that was transitioning from strong to weak hand while moving away from a threat. After some reflection, I think I was frustrated by not having the opportunity to use my strong hand shooting across my body and then make the decision about which method to use for myself.
We started with an accuracy drill of five shots at center mass and five head shots at five yards.
Day two was about working on the ground. Drills included getting to the ground, shooting while on the ground, and getting up from the ground. We drilled using prone, urban prone, superman, and supine positions, while using combinations of the standard two hand, strong hand only, and weak hand only grips. Most of the prone and urban prone shooting was done at 20 yards. Supine was done at seven yards.
After getting a feeling for working on the ground, we incorporated drawing from the holster and reloading with weak hand only while on the ground. Again, this is to simulate that your strong arm is no longer functioning. These drills were probably my favorite of the course, and I look forward to working on them again in the future. I think its important to note that during the entire second day of training, no admin reloads were allowed. All magazines were limited to five rounds, so students were forced into tactical reloads regardless of the shooting position or grip that was being used. I think that this was a great strategy by the instructor, as a student not used to tactical reloads can easily conduct admin reloads throughout the course of instruction and never run dry during a drill.
We did incorporate some drills that required racking the slide on a holster, belt, clothing, or the ground. Students quickly understood the importance of quality sights. The RMR was great in these drills.
After the drills were done we had a rundown of the last two days of shooting. We talked about equipment failure, and why you want it to fail out on the range rather than in an emergency situation. We also touched on the importance of quality gear and its need to function 100% of the time.
All of my gear worked as expected so I was able to focus on the instruction.
I tried to slow down in this class and focus on accuracy over speed. For the most part I accomplished that goal. However, I continue to have issues with snatching the trigger while under stress.
I swapped out the textured GFA from TD1 to the smooth version on TD2. My hand was being torn up.
My body is reminding me that Im not as young as I used to be. I had to stop jumping down into prone because it was sending spasms through my back.
I think that we could have put more rounds down range. Hydration and mag reload breaks turned into lengthy discussions and took away from time that could have been spent shooting.
Everyone should know how their firearm works. You should be able to disassemble and perform routine maintenance.
The RMR proved its worth during the distance shooting drills.
There was one pistol that continually malfunctioned on TD1 even after cleaning and lubrication. In my opinion, its not worth owning a firearm that you cant count on if that is its role in your collection.
Gear Changes:
Swap out the textured GFAs on my pistols to the smooth.
Swap out the Costa Leg Rig to the newer HSGI Leg Panel. It allows for more adjustability, more configurations (not just pistol or rifle tacos), and it is a bit larger.
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Gotta get my ass back onto the range...I would have made of fool of myself at this.
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What was their reasoning for teaching instinctive shooting w/out sights? What was your take/reaction to that reasoning?
Why was so much time spent on the ground? Again, your thoughts on that?
Which pistol went down and didn't work?
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Last edited by Reedo302; 10-16-2013 at 05:01 PM.
Master of his domain.
Registered User
1. you won't use your sights in a real gunfight;
2. Kinesiology related, whereby you are working to develop a natural point of aim by fine-tuning your kinesthetic alignment
Was it one of those?
Option 1 is the most common. I'm always curious about peoples' reaction to it. If it was #1, how did the class respond/react to it?
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Master of his domain.
Not really one or the other, but rather a combination of both. Natural point of aim combined with close proximity to a threat can still result in effective shots on target.
My reaction? I really didn't care. I've been training with a local SWAT commander lately, and he's working on helping me transition from the mindset of a target shooter (every shot has to touch and getting good groups) to being a combat effective shooter. Part of that training has been speeding me up and to stop looking for the perfect sight picture. One drill was to get me to just look for the front sight and letting the round go. Within seven yards, I had fist size "groups" at center mass on multiple target engagements. With more practice, I'm sure that I can get better, but as a civilian I'm pretty happy with that.
He described times in shoot houses when officers were given guns with standard sights, no front, no rear, or none at all. For the most part, they were annoyed that there were sights missing, but ultimately did just fine.
There really wasn't much of a reaction from the rest of the class either. Everyone had a really good attitude and were open to trying anything.
Last edited by Serbonze; 10-16-2013 at 09:26 PM.
Registered User
The SWAT guy has you on the right track with First Best Sight Picture. Too many people wind up taking far too long on shots because they're waiting for that perfect shot, and often times the FBSP is going to be the most effective one they can make. My buddy Dave Timm of Timm Training did great job of emphasizing to his class that the person who will win a gunfight will be the one that gets effective hits on target first.
While I'm not a big USPSA/3-Gun competition shooting advocate, the concept of FBSP is very well understood by those competitors. It's one of the few areas where there is cross-over between competition shooters and those that operate in an offensive tactical environment.
I have a lot of contempt about instinctive point shooting where sight use is not used. Not because it can't happen, but because there's been an ongoing trend through the years to proliferate it as a legit shooting style, and not just an option during an exigent circumstance. About two years ago I had a guy contact me and ask me to endorse instinctive point shooting and an article he was trynig to have published. I had some select words to say about that.
In the interest of give-and-take, I will admit that learning to do it at very close range for the use in an exigent circumstance is likely valid. However, it's mostly for contact shots or for very close range from a defense retention type position. Where I condemn it is with extended use, because there's no legitimate reason to not train with sights. Some people do actually practice with it extensively, which is completely misdirected.
In relation to giving people sights, some sights or no sights, that had a lot to do with kinesiology and human adaptability. I've heard of that test before, but it's slightly misleading. People interpret those things differently. The purpose of testing like that proves that humans can adapt and overcome when I becomes necessary to do so. The interpretation used by a lot of people is that since we can do point shooting at very close range, that must mean that we can and should be doing it at varying ranges regularly, just because we can. It goes back to the premise of "just because can, doesn't mean you should".
With the exception of reactionary point blank/close proximity reaction shooting under 5yds, most firearms instructors avoid point shooting. Ron Avery has a very good balance where you are being attacked, so you block/shield your head with one arm while drawing and firing from the rib cage level with your pistol. One shot, then you back off and bring the rifle up to combat stance and you engage with sights.
Probably too long-winded of a thought here, but discussing this stuff interests me.
DINAN3 F30 328i M Sport
DinanTronics Stage 1
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Dinan Lowering Springs and Bumpstops
Dinan 20" Black Performance Wheels
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Glock Armorer
Gunfighter Training YouTube Channel
Last edited by Reedo302; 10-17-2013 at 02:37 AM.
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- Sr. Helen James John, SND, Class of 1951, introduced generations of Trinity students to the "habit of philosophizing." Her intellectual prowess and strong commitment to social justice and feminist principles galvanized students here and colleagues around the country.
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Monthly Archives: November 2012
- We remember and thank all who serve in the nation's armed forces, not only today but every day.
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- We the People must sharpen our demand that our elected officials accept the real responsibilities of governing this nation. There's no time to lose!
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Patricia A. McGuire, President, Trinity, 125 Michigan Ave. NE, Washington, DC 20017
Phone: 202.884.9050 Email: firstname.lastname@example.com


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