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Housing Bubble -- or Bunk?
Average national home prices haven't dropped since the Great Depression. But with the recent frenzy in the real estate market, investors are wondering whether the market can keep up this pace. Residential property investors have seen bubbles rise and pop on local geographic levels in past years, but the debate continues over whether a nationwide bubble has materialized.
A countrywide meltdown in housing prices could have a profound affect on the economy, as more Americans invested in real estate than in stock. According to the Federal Reserve, homes' appraised value made up 145% of nominal gross domestic product in March, while stocks and mutual funds were worth 82% of GDP.
The bubble question isn't an easy one, even for economists. BusinessWeek Online's June Kim spoke with several economists for their thoughts on whether a housing bubble exists. The following are edited excerpts of their comments:
Frank Nothaft, chief economist, Freddie Mac:
I don't foresee any national decline in home price values. Freddie Mac's analysis of single-family houses over the last half century hasn't shown a single year when the national average housing price has gone down. The last consistent drop was during the Great Depression, when the unemployment rate got up to 25%, or five times the level we're at now.
Housing is local, local, local by nature, and it's the local economy driving valuation of a home. The large markets people think about -- New York, Boston, San Francisco, Los Angeles, and Washington D.C. -- where we've seen double-digit home-value gains in the last three or four years, are driven by economic growth and rising family income, coupled with a 40-year low in mortgage rates.
I would worry about local markets that have weak economies, where the unemployment rate has gone up over the last couple years, or where we have begun to see a bit more of a speculative fervor (by that I mean: A lot of investor vs. owner-occupant purchases).
An owner occupant lives in a home an average of 14 years. The average stock owner owns a share of stock for three months. You'll see much more volatility with common stock prices than in home prices.
Investor activity remains a small percentage of home purchases, representing at most 15% of purchases nationwide, vs. 85% of homes purchased by owner occupants.
If you see that investors are accounting for a third or a half of purchases in a local community, then I would be more concerned about speculative fervor. And I would expect stagnation in home-value trends in markets where unemployment is higher than 7%.
Dean Baker, economist and co-director of the Center for Economic & Policy Research:
We've never seen this sort of run-up in home prices in U.S. history. In the past, home prices have always moved pretty much at the same rate with inflation's overall rate. But in the last seven years, they've outpaced the rate of inflation by 60 percentage points. This kind of run-up becomes unsustainable (see BW Online, 6/22/05, "Builders Keep the Home Runs Coming").
Right now, the market is caught up in the psychology of a bubble. You see the fastest increases just before the collapse. If you look at the past, the Nasdaq crossed 4,000 around the new year in 2000, and then two months later, it had already crossed 5,000. Suddenly in mid-March, the Nasdaq plunged 15%, and it was downhill from there.
I don't think the housing market will follow exactly the same pattern, but in the case of the Nasdaq bubble, in February of 2000, people were having this same conversation, but were more focused on the fact that prices were rising more rapidly than ever.
[Fed Chairman] Alan Greenspan recognized the stock bubble and was concerned about it, but he decided the best thing to do was not to attack the bubble, simply to let itself work it out and deal with the consequences. Given he had that attitude about stocks, I would assume he has the same attitude about housing.
Of course, houses don't risk dropping to zero value like the nonsense companies in the stock market did. But on the other hand, their value also has a lot of volatility.
A lot of economists, including Greenspan, say homes aren't like stocks and their prices aren't volatile. But what's odd is that ordinarily economists say the exact opposite. The housing market is thin, meaning that the number of potential buyers is relatively small compared to the number of potential sellers. A thin market usually means it's more volatile because fluctuations could be even bigger. While there's a current buying euphoria in the housing market, if a lot of people really take a beating, they may develop a phobia about becoming homeowners.
A decline in housing prices would have a very serious effect on the economy. Housing has been supporting the economy ever since the recession. Roughly 5% of the GDP is associated with homebuilding and construction. On top of that, we've had this huge consumption boom based on people taking out second mortgages and refinancing their homes spurring on the economy.
My estimates of bubble wealth -- the rate of growth of house prices exceeding the rate of growth of inflation -- come to around $5 trillion. Roughly 4% to 6% of that is $200 billion to $300 billion a year in housing-bubble-driven consumption. That's a lot to replace.
James F. Smith, chief economist at the Society of Industrial & Office Realtors:
There's no national bubble. You have to have a huge deflationary scenario to make a national bubble make any sense. The Fed isn't going to lose control of the money supply and take us back into a very significant deflation and cause a collapse in housing prices.
There are several reasons why a national housing bubble is relatively silly. According to census data, current home-ownership rates are at 69.3% of all households, a record. If you look at home ownership by age group, the highest rate -- above 83% -- are among owners aged 70 to 74. Only marginally below that is owners aged 65 to 69.
Nobody seems to look at how home ownership rises with age. The older we get, the higher the probability that we're going to own a house. If you look at the baby boomer generation, you get a picture of increasing demand that won't end for another 40 years.
Second, home-ownership rates are extremely high for white Americans, pretty high for Asian-Americans, have just gotten over 50% for African-Americans, and are slightly lower for Hispanics. But we have lots of programs to help minorities improve home ownership, so they're all increasing.
Thirdly, if you look at immigrant households with the same family size and income levels as households in which the parents were born in the U.S., immigrants buy houses 15 years later than natives. About one-seventh of the population is foreign-born, and [that group] has been growing rapidly the last 20 years. That gives you another 15 years of increased demand.
On top of that, mortgage rates are pretty darn low. The only way rates are going to rise is if inflation rises and the fear of inflation drives the 10-year Treasury up to 7% or 8%. Mortgages would go back to 9% or 10%, temporarily killing the housing market, but only temporarily.
It doesn't mean there aren't a few local bubbles in areas like Washington D.C., Los Angeles, suburban Boston, or suburban New York. But we've had many of those in the last 20 years or so. Texas collapsed in 1986, Southern California collapsed in 1989, and Massachusetts and Connecticut collapsed in 1991.
Mike Englund, chief economist at Action Economics, global bond and currency consulting firm:
It's not clear that the recent price gains in the housing market are a bubble. It's bubble behavior. There are many assets whose prices move quickly, but that doesn't mean it's a bubble.
In a global context, the rise in U.S. housing prices doesn't really stand out. The global economy, led by the U.S. and China, has posted a stellar growth rate. Last year was possibly the fastest pace of growth in post-World-War-II years. And much of the new economy features a synergistic global trade pattern between the U.S. and other countries. New York, Los Angeles, and San Francisco benefit from a new axis of global investors, and home prices there are being driven higher in the context of huge wealth and economic gains.
We're unlikely to see a price correction this year, since we're already well into the second-quarter period, a high-volume period for housing, and there's a clear price movement upward. It isn't until first or second quarter of next year that we're likely to see any correction.
With the Fed adding a quarter point [rate hike] per meeting, interest rates will trend from current low levels to average historic low levels next year. The question of whether that will pop the housing market is unclear. High-price housing markets may see a decline, but we seldom see price declines at the national level.
Edited by Beth Belton


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RS500 World Championships now underway
by Heather Martin on 24 Jul 2012
RS 500 World Championship © Elena Giolai/Fraglia Vela Riva
The RS500 World Championships got underway on Monday 23 July with thirty seven boats taking to the water from six different countries from around the world, the furthest travelling from the United States. In true Garda style, the teams were launched at 12pm on a flat, calm lake in anticipation of the wind blowing in at 1pm…it was a slow three-mile spinnaker run to the start line, so everyone could take in the scenery before the racing began.
It wasn't the right day for the Ora, so the first race started in a light northerly wind with two windward-leeward laps, shortened to one and a half roundings so that the finish came at the windward mark on the second lap.
Dutch Magic Marine teams Barend Hiltermann/Max Blom (winners) and Carrie Howe/Mischa Heemskerk (second place) made the right choice sailing up the left side of the course and developed an early lead, not to be seen again by the rest of the fleet. Italian team Mauro Finazzi and Walter Bragagnini were the next in line, but an OCS meant that third place fell to female German team Wibke Wriggers and Annika Ellerbrock. The light, fluky winds saw a lot of position changes throughout the race, but it was clear to see that the Italian teams were in their element, dominating the top ten.
Perhaps the most exciting part of race one was the on-the-water proposal that came from International Class Chairman Michiel Geerling who asked his long-term girlfriend and crew Hilde van Susante to marry him with 'Will you marry me?' painted on the spinnaker. Luckily for Michiel, she said yes! So it was double celebrations off the water with numerous bottles of Prosecco being popped in the boat park. Congratulations Michiel and Hilde – a truly wonderful couple with many years of sailing happiness ahead of you!
Just as the wind completely died and everyone thought it was time to head to the club at Riva for a well-earned birra, the elusive Ora finally made her appearance and blew in strong from the south, turning the course on its head by 180° and giving the race team a job to reset the course in time to hold a race before the fans turned off.
The expected Magic Marine team domination didn't happen and it was Swedish team Johan Rook/Malin Broberg who led the fleet for the first lap, closely followed by Brits Tim Wilkins/Heather Martin, Swedes Tobias/Max Freiman and British father and son team Greg and Paul Bartlett. A massive wind shift on the second lap mixed up the order of the fleet and it was Tim/Heather who took advantage and gained a lead that they held to the end closely followed by Mauro/Walter who came through the fleet to second. Greg and Paul held on to third place – an awesome achievement for a young helm in his first RS500 championship.
Overall standings see Tim/Heather holding a slender lead just one point ahead of the favourites Barend/Max, with Carrie/Mischa in joint third position with Johan/Malin, but the lack of consistency from anyone in the fleet so far means that it's still all to play
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Morning Briefing
When the hunter becomes the hunted: Faith, Not Proof [1] by Drew Christiansen
Vatican City -- Israeli government sources say Pope Francis could organize meeting between Jews, Christians and Muslims in Rome [2] aimed at speaking out against violence.
Scotland: Cardinal Keith O'Brien, retired after admitting to sexual affairs with priests in his archdiocese, has been praised by the pope's representative in the UK as having done "a lot of good" during his career [3], "not withstanding his mistake."
German Priests' Initiative for church reform "urgently appeal" to bishops conference not to approve missal translations. [4]
Press Release: Five Roman Catholic Women to Be Ordained in Falls Church, Va., June 22 [5]
Retired Australian Bishop Geoffrey Robinson: Time for 'Catholic spring' and Vatican III [6]
Venezuela-- Catholic Church wine supplies run low in latest shortage [7]
Irish priest suggests that First Holy Communion and confirmations be delayed until adulthood [8] to prevent the events from becoming hollow moments.
Australia -- Charges, accusations of sexual abuse pile up against Salesians [9]
NCR Q&A: The USCCB's new doctrinal chief says his job will be to help bishops preserve the faith that we've received. [10]
A Catholic nun and a Baptist minister walked into a Thai restaurant ... [11] A story of accidental ecumenism
[12]Looking for an a little inspiration to begin your day? NCR's sister publication, Celebration, gives you two options, both based on the Scripture readings of the day:
Pencil Preaching [12] is blog that Celebration editor Pat Marrin combines scripture and sketching to reflect on the word.
Daily Bread [13] is a series short reflections, written by four authors who meet regularly to share the readings. Daily Bread is intended to help daily preachers and others who pray from the assigned scriptures each day to orient themselves to the Living Word addressed to the church in the world. It's a great way to begin the day.


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Bloomingdale addresses snow-covered hydrants
Municipal officials say the revised ordinance that prohibits the obstruction of fire hydrants does not require residents to remove snow from hydrants if the snow was deposited by borough plows, but bars residents from purposely covering hydrants with snow when doing their own shoveling, snow-blowing, or plowing.
A public hearing and adoption of the ordinance was held at the March 4 Borough Council meeting. The original ordinance, geared at keeping sidewalks clear, was amended to include a section that bans the obstruction of fire hydrants.
The amendment to the ordinance states, "No person in any manner shall obstruct or prevent free access to any fire hydrant or place or store, temporarily or otherwise, with any object, material, snow, ice, grass, weeds, debris or structure of any kind within a distance of 5 feet of any fire hydrant. Any such obstructions, when discovered, shall be removed at once by the Department of Public Works (DPW) at the expense of the person responsible for the obstruction. The owner or owners of any real property in the borough upon which any fire hydrant is located shall maintain the area within a 5-foot radius of the perimeter of any such fire hydrant free of snow and ice. The removal of snow and/or ice shall be completed within 12 hours of daylight after the snow has formed or fallen on or around any hydrant."
At the March 4 meeting, resident Diana Busse expressed her concerns with the ordinance. Busse said her home is located on Reeve Avenue at the intersection with Pleasantview Avenue, which plows use as a dumping ground for snow. While it may be common sense to keep a fire hydrant clear, Busse said she does not think it should be incumbent upon residents to remove mountains of snow covering hydrants after the town's plows pass through.
Mayor Jonathan Dunleavy said, however, that residents will not be held accountable for snow piled onto hydrants by the borough plows, and only will be held responsible for snow they place at hydrants.
"If you shovel your snow on a hydrant then you are obstructing it and you would be amazed how many people do this. If we (the borough) do it then you are not doing it," said Dunleavy.
Councilman John D'Amato, a volunteer fireman, said he witnessed a resident plowing a hydrant under a 6-foot blanket of snow.
"Why you would want to block a fire hydrant in front of your own house for your safety is beyond me," said D'Amato.
Jack Miller, also of Reeve Avenue, said he was under the impression that years ago a former borough attorney advised against requiring residents to clear fire hydrants. Dunleavy said residents could not be forced to clear fire hydrants that were plowed in by municipal plows, but could be barred from taking any action that would result in the obstruction of a hydrant. It is not limited to snow. Residents are not permitted to obstruct fire hydrants with leaves, or trash or furniture put outside for collection, he said.
Concerned that the ordinance could have legal ramifications for residents if hydrants are not cleared, Miller asked if there would be another way to prevent the obstruction of hydrants. He suggested using the reverse 911 phone system to send advisories to residents to remind them not to obstruct hydrants.
Dunleavy said the ordinance amendment was drafted in response to a request from the volunteer fire department, which said other towns already have laws that prohibit the obstruction of hydrants. After a snowfall, the borough's volunteer firefighters shovel out many of the borough's 210 hydrants if residents do not take the initiative or are physically unable to clear this critical fire suppression tool.
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Mr. ANDREA CASIRAGHI VISITS THE PHILIPPINES
The son of our President has made an humanitarian journey to the Philippines from 21 to 26 August 2006 in order to raise public awareness about the many dangers threatening the childhood of the country: imprisoned children, street children, or children contamined by toxic wastes coming from former US military bases.
Together with our Secretary General, Mr Francis Kasasa, Mr Casiraghi reached out to the Philippines to examine the different actions and projects of the AMADE filipino affiliate and its partners.
21 August - Meeting the imprisoned children
Mr Andrea Casiraghi was welcomed at the Reception Action Center (RAC) and the Manila Youth Reception Center (MYRC) by Mr Barandas, deputy Mayor of Manila, and Mr Dominique Lemay, President of the Virlanie Foundation.
The RAC is a governmental service operating as a "care centre" for the street children, the homeless and the beggars. Many children are incarcerated in this place, living in such miserable conditions. One after the other, Mr Casiraghi went through the different houses, where the suffering children are staying. Mr Casiraghi has faced this crual reality by visiting many cells closely, sharing words with some imprisoned children, while Dominique Lemay was describing him their situation
At the end of the day, Ms Luli Arroyo, daughter of Mrs Gloria Arroyo, President of the Republic of the Philippines, has received Mr Andrea Casiraghi in the Malacanang Palace, accompanied with Mr Kasasa, Mr Lemay, and Mrs Ledesma, Consul of Monaco in the Philippines. During this audience, various topics were talked over, such as the building of a centre for children released from jail, or the distribution of hot meals for all the public schools.
By the evening, M. Lito Atienza, Mayor of Manila, and the Virlanie Foundation, organised a cultural dinner for Mr Casiraghi. Songs and dances were performed by the De La Salle University Manila Chorale and the Manila Dance Group. Most of the young dancers are former street children, helped by a support programme leaded by the Mayor of Manila.
22 August - AMADE - Virlanie day
On tuesday, Mr Andrea Casiraghi went in Payatas, a place in the agglomeration of Querzon City. Hundreds of families live there on an actual mountain of wastes. Every day, tons of garbage are showered on Payatas and selected by the men, women and children who live on it. More than 500 families have built their house on this pile of garbage. The Virlanie Foundation succeeded in creating, in the frame of the "family programme", a small oasis of peace, culture and education, managed by the community members, mostly women and mothers
Protected from the sun under a big awning, the programme supervisors have welcomed Mr Casiraghi, sincerely moved by being surrounded by so many children, all of them very smiling and beaming. During that morning, Mr Andrea Casiraghi had a long talk with the residents of the shantytown, and insisted to climb the mountain of wastes. Then he took part to a lunch with the children and the community leaders in charge of the programme. Mr Casiraghi congratulated the ladies and Virlanie for the wonderful work they have done in Payatas, and he wished that AMADE could bring more help to these children by sending them academic supplies.
In the afternoon, Mr Casiraghi went to Estero Magdalena and Tondo, two others shantytowns at the periphery of Manila. Virlanie Foundation brings a financial support to the families living there. This programme aims especially to reveal collective and individual values, and bring them to self-government, reinforce the familial link and reduce the number of street children. Welcomed once again by smiling children, Mr Andrea Casiraghi congratulated and warmely encouraged the people in charge.
23 August - Visit of the care centres for children in need
The Virlanie Foundation takes care of inherited children through thirteen foster homes. Each of them can receive around twenty children, and is structured to copy the traditional filipino family scheme, so that the child can keep his references. The beneficiaries of this residential programme have usually been dropped out or abused in their past. Each home tries to answer to a special need of the child.
Within these structures, Mr Casiraghi have visited the Marco Polo Care Center, which usually hosts ten boys and ten girls; all of them are street children, who suffered abandonment from their families. He also visited the Ella Yallah Home, which caters children who have been physically abused or are in conflict with the law. They usually stay in the Home until they finish their studies or are reunified with their families, which can take many years.
Then, Mr Andrea Casiraghi met the residents of the Mother and Child Home: young mothers ans their baby, or just babies abandoned by their parents. The mothers usually stay there for six months, and the babies for three years, before they are adopted or moved to the Marco Polo Care Center. The programme aims to give the mothers education and assistance in job research.
24 August - Press conference
In front of dozens of reporters, Mr Casiraghi recalled his positive feelings about the Philippines and its wonderful youth, the reasons of his visit, as well as the strong emotions lived in Payatas.
He also reminded of the humanitarian commitment of his mother, H.R.H. The Princess of Hanover, and the amazing journey of his uncle, HSH Prince Albert II of Monaco, in Spitzberg, to raise international awareness about the dangers threatening our planet. He underlined that Nelson Mandela remains a character he has deep admiration and respect for, and that he will always keep in his heart the joy and the smiles of the Filipino youth.
25 August - Meeting the Filipino students
After a second visit to the RAC in the morning, Mr Andrea Casiraghi took the floor before a group of students of La Salle University. Mr Casiraghi talked them about his recent experience in the shantytowns of Estero, Tondo et especially Payatas.
By his speech, he tried to make these students understand how lucky they are, and make them realize how miserable are the living conditions of many people.
26 August - Clark Field: visiting the contamined sites
Mr Casiraghi cared about visiting the families and children contaminated by the toxic wastes of the former military bases in Clark Field.
Soon after the Gulf War ended, the US armies left this position behind and buried tons of polluting substances. Years later, these toxic wastes contamined the land and water, and keep poisoning and killing hundreds of thousands children and their families.
Two years after the visit of his mother, Mr Casiraghi went back to what is left of this former military base. He also met the families, and especially the children, suffering from physical and neurological disorders. He asked for AMADE to bring some help and relief to the families.


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Thief steals car while owner lets it warm up
GREY EAGLE, Minn. (AP) — Authorities in Todd County say a thief stole a car while the owner was letting it warm up.
A St. Cloud Times report (http://on.sctimes.com/V1mNXm ) says the vehicle was found about 20 minutes later. It had been involved in a single-vehicle rollover, and the driver wasn't around.
Deputies say the vehicle's owner told police he started his car Saturday afternoon and was letting it get warm. He says someone stole the car while it was idling.
A short time later the sheriff's office received a call reporting a one-vehicle rollover accident. The caller said there was no one at the scene of the crash. Deputies say the car was the stolen vehicle.
The sheriff's office is looking for suspects.
Information from: St. Cloud Times, http://www.sctimes.com
Copyright 2013 The Associated Press.


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Christina Aguilera made headlines last week after admitting on "Chelsea Lately" that she doesn't like to wear underwear, but her fellow "The Voice" coach - Maroon 5 frontman Adam Levine -- is taking a different stand.
"It's so funny 'cause I love to wear underwear," he told AccessHollywood.com's Laura Saltman as he promoted Maroon 5's the Citi AAdvantage Love the Journey Concert Series, along with bandmate James Valentine.
PLAY IT NOW: Adam Levine Talks American Horror Story Role: 'I'm Never Watching That Show Again!'
"I'm not kidding," the "Payphone" singer continued. "It keeps everything in check, you know? Like, I think it's nice to know everything is set. [With] no underwear... I don't know what could happen. I don't want things flopping around. I don't know if that's the same for women, it's a little simpler down there for you guys.
"I just need a buffer zone between my junk and the outside world," he added.
VIEW THE PHOTOS: American Horror Story: Scenes & Stars From Season 2
Adam is likely to miss Christina's outrageous remarks when she takes a season off from "The Voice" next year to promote and tour her new album, "Lotus," but Adam is already getting plenty of Xtina time in. He's also getting used to new coaches Usher and Shakira, who are filling Christina and CeeLo Green's seats during their break from the NBC show.
"The good news is, we're shooting two seasons at once, so I see them all, all the time," he laughed.
As for Adam, aside from his upcoming Maroon 5 North American tour, which kicks off on February 14, 2013, he isn't going anywhere.
VIEW THE PHOTOS: NBC's 'The Voice' Coaches: Then & Now
"No, 'cause then there's a chance that someone could replace me and be better than me and then, I'd be fired," he said. "I'm not going anywhere!"
Although Christina and CeeLo's chairs are supposed to be there whenever they are ready to return, Adam still isn't willing to take the chance, himself.
VIEW THE PHOTOS: Hollywood's Infamous Celeb Feuds
"Who knows what's going to happen. They're always welcome back. But that's what THEY say," he said, referring to the show's bosses.
Copyright 2012 by NBC Universal, Inc. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Friday, March 17, 1944
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Thursday, March 16, 1944
Next Edition:
Saturday, March 18, 1944
Abilene Reporter News
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Abilene Reporter News
Abilene, Texas
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1917 - 1977
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Abilene Reporter-News, The (Newspaper) - March 17, 1944, Abilene, Texas gftrilene RED CROSS WAR FUND CAMPAIGN BOX SCORE County quota Contributions Thursday .0 dote OR WITH OWJiNSE TO KRtKNDS YOUR WORLD KXACTLV AS IT VOL, LXIII, NO. 274 A TEXAS NEWSPWES MORNING ABILENE, TEXAS, FRIDAY MORNING, MARCH 17, 1044 -TWENTY PAGES Press IAP) Knifed Prea IV.P.) PRICE FIVE CENTS Allies Occupy 3-4th of Cassino "Manus Invaded; Land Bombe rs Hit Iruk ALLIED FORCE HAS ONLY MINOR LOSS IN ADVANCE By LEONARD MILUMAN Associated Press War Editor American iiiiijiliilmms forces invaded Manus island, largest of (lie Admiralty group in the Southwest Pacific, Wednesday, while land-based Liberators made their first rait) on Truk presaging frequent bombings of Japan's great- est Central Pacific stronghold. Infantrymen, including the First Cavalry Division from Texas, splashed ashore on Manus under the cover of a heavy barrage from warships..planes and artillery, the latter fir- ing from nearby islands, Gen. Douglas MacArthur reported today. The invaders suffered only minor losses as they push- to within half a mile o! Lorengau airdrome, the only one 'in (he Admiralty group that Allied Air Forces aren't already using. New air Truk, and Rabaul were reported as a high ranking naval officer predicted the (American fleet would lie close enough to Tokyo in another to Mast the reluctant Japanese navy out of its harbors. The Liberators rode in on Triik under cover of darkness to drop (heir bombs just be- fore dawn on Dublon and Etcn islands. Dublon is a major supply and ship repair base, lilen i: an air field. JTlicy flank the anchorage where carrier-borne Ameri- can planes surprised Japanese warships Feb. 16 in a two day foray that cost the Japanese 23 ships and 201 airplanes. Wednesday's raiders flew from re- cently capliued air fields in the Western Eniwe- tok. 750 air miles from Truk, or Kwajalein, about miles dis- tant. The TruJc strike was coordinated with attacks on three-other Eastern Caroline islands and two atolls in fiustav V BacksRed STOCKllOLif, March 16 Tlie Swedish foreign office said in a King Gustav V had communicated lo rinnlsh. authorities" his view that Finland accept Russia's armistice terms. (A Moscow dispatch by Associat- ed Press Correspondent Eddy Gil- said lhat Soviets had printed no news from Iheir own sources since the initial report of the terms lor negotiation. In which they lold the Finns they expected a quick rc- Tiie Russian people appeared be setting in "an ugly mood towards Pimw." the dispatch said, and are suggesting "nnYncuirttc A spokesman for the Swedish [or- cign office explained thai the com- munique was ptompted by a puu- lished report lhat Hie S'.i'rdifh mon- %rch had scut a letter to field Mar- shal Baron Carl Gustaf Manner- helm and other high r'innish the Eastern 'Marshalls. The blow at Truk is Ihe most advanced ac- tion by land-based Central Pacific forces. 'Jin another year we'll be pretty close to said Rear Adm. Frederick C. Sher- man, an aircraft carrier task force commander. "Jf the Japs won't come out and fight, we'll sink them in their harbors with our carrier-borne planes." Tiie Nipponese fleet has long frniri Ihr Sntith- w-est P.icilic where its air force 'is now being eliminated. Allied planes made their Fifth straight raid on Werak, only strong air center re- maining to the enemy In Northcist New Guinea, shooting down five in- terceptors ns targets were blasted with 140 tons of explosives. The urcs advocating acceptance of the airdrome, town and harbor of Ra- lcrms baul, once the key to Japan's Soulh- The Dageus Ni'hcter said it. ap- Pacific defense, were heavily that the King did not write damaged by 173 tons of bombs "fanucrhcim personally, hut lhat dropped by Solomons-based planes. the Swedish foreign office undoubt- edly sent a note to him and pro- bably to President Risto Ryli. FDR Makes Appeal to People WASHINGTON. March President Roosevelt, appealing di- rectly to the Finnish people to end the partnership" with Ger- today threw the weight ot his office into Brl- tish-American efforts to persuade Finland to accept Moscow's peace terms. Although Finnish parliamentary was construed in Stockholm i and olhr-r capitals ns tantamount to rejection of Soviet armistice pro- posals, it is understood that this government, has received no such official interprelalion and still holds the hope tli.il Finland will not close doer to a way oul ol Ihe war. A hopeless hnl prrsistent ciglil day Japanese offensive on Bougainville trying to cul off Ihe Rabaul raiders a( Ihe source, has cost the Japanese soldiers. Ten Japanese have died for every American. Tn Northern Burma Chinese speeded tip their advance down Ihc Hukawng valley, capturing a vil- lage 12 miles south of Walawbum. Tills brought them near the en- trance of Mogaung valley leading to (he Mandalay-Myltkyina rail- road, primary supply source for Japanese army forces in Norlh Bur- ma. Restriction Off DALLAS. March Tile War Production board said here to- day that all restrictions on the manufacture of barbed wire and woven wire fencin? have been re- moved. GERMAN BOMBS HOME "TOWN-WITH VIGOR SOPA SOPA Boudeuse A LM if Bay MANUb ,n. LOS 4 PURDYIS, ALIM ADMIRALTY ISLANDS ri-------------------rCn STATUTE MILES X, 20 Bombs Again Ifew Germans Battle lo Hamper Advance AU.1KD tlKADQUAKTKKS, Naples, Alar. T_ Allicil iroojis had m-cupird Ilirrc-fotirllis of strategic Cas- LOiMJOrx Mar. 115 ioniKhl afler fifth Army Mew a path through American fliers altacknif; town, field dispatches said, and ivcrc mop- Soulhern Germany in groat nf C.crmans. strength fought one (if the: Some Of Ormans apparently had reeiUered tht most spectacular aerial hat- j WI-Pckagc after Hie shattering, of Ihis town, which lies on the les of (lie war loday in a lo RomCi ijV bomb assault, smashing.sequel lo record Devastation 'wrought h.y air and accompanying ar- IM night raids on Stultgavt bombardment liniulicnppcd Ihc advance of Allied in- T 'nnn forced (o poke H1Cir way SCENE OF NEW island, largest of the Admiralty group, has been in- vaded by Americans. The Yanks pushed to within half a mile of' Lorengau airdrome which is closer to Los Negros, invader! February 29. Losses in the attack were light. Soviets Wipe Out Three Encircled Nazi Divisions LONDON'; .March 16 _-Hfl'r-T The (the. Russians pushed-on lo envelop Red army has cut.the erinlca trunk railway serving liuft'd- rcds of thousands of disaster-rid- den Germans In Southern Russia, sealed olf the big Black sea port o( Bikolaev on three sides, and wiped out three encircled German divisions originally estimated at 000 men, Moscow announced 10- light. Nikolaev's capture was believed to be Imminent. Vapnyarka, 25 miles from (he Dniester rirer frontier of Rumania's Bessarabiin territory, fell on Wed- nesday to .Marshal Ivan S. Konev's second Ukraine army, said AT A FLYING FORTRESS HASE ENGLAND. March A 23-year-old Getman who fled lo the United States five years ago told today, with te.irs in his eyes but wilh bitterness toward the Nazis. K how hr participated in the bombing of his home town in Southern Ger- many. A waist -dinner on an Amejican bonibrr. he must remain anonymous since the Germans hold his brother in a concentration camp, ft 11 was a sad but thrilling exper- ience as he looked clovn on Ihe ttrect.s he knew. For r. moment, he faid. he felt homesick, then remem- bered his mother, father and two sisters slain by the Gestapo and his brother, a Gestapo prisoner, fr This was his story ol his first trip over Germany: had m p.irticnhr reaction when 1 firsl heard what Ihe target wnnld be but as Earl Bnckncr Crawford of Stamford and Capt. Heston Mc- Donnell of Lamesa. Lieutenant Valentine, n-hose wife Ihe former Elizabeth Hale lives at 790 Ross, received the medal for extraordinary achievement while participating In flights which in- cluded dropping supplies and tran- sporting troops lo advanced posi- tions. A former member of the 43th Di- ilsion. Lieutenant Valentine is sta- tioned in New Guinea with the Fifth Air force troop carrier command. Lieutenant Valentine has been on leave In Australia, he wrote Mrs. Valentine. She had not been in- formed ol his citation. Son of Mr. and Mrs. S. E. Craw- ford of Stamford and a former stu- dent of Hardin-Simmons univer- sity. Lientenanl Crawford also re- ceived the DFC. Citation from Admiral W. V. Hal- sey. commander of Hie Pacific flcel accompanying the award read: "For heroism and extraordinary achievement while participating in an aerial attack asnlnvl the enemy as pilot of a fifhter plane dnrine the raid on Japanese wcrships in the stronsiy forli'ieri harbor of Ra- bjul. New Britain Nov. S. 1913. "Lieulcnanl Crawford followed his division leaner into terrifically heavy and accurate anti-aircraft fire fol- lowing his particular ot tor- pedo planes. With utter disrejard of Ills personal safety and Intent only with the of ir.e flroup he was yirntrcttng In and out again, ire approached, dived and pulled o-.it with them, dodging anti- aircraft burst and beating off enemy nntil the attack COT.- plr-lcr! ar.d the danzcr over. "His daring ability contributed largely to the succr-.ss the attack both in enabling the bombers and torpedo planes to concentrate on their respective targets free of fight- er opposition and In protecting the ing their way up Monastery ti-lo-i victory were only 7 slmit lill and seemed lo be nca of their all-lime one day re- cord of 83 German lighters downed attacks on Berlin earlier this mouth. Tlie Brussels radio Irfl Ihe air late lonight, Indicating HIP RAF iniKhl be carrying the attack Into another night. Berlin salrt tht Anirrir.ui iar- Ifrls, Immhed through douiK Km Ihe alrcrall city of AIIJS- tmrir anil the anclrnl earrisnn town nf and Ira Kimmpy and Kteas Patmelly, Tyt trmtrfs wrre announced for Valley Crcfk and Ihe IXI, districta. Miners Snowbound OUR AY. Colo. Manh Ifi Sisty reiiier.e. with only 4i rt07cn CEgs to eat. have been Minwhound 5tr.cc Xfor.rfav at the Treasury (un- nrl mine near Red Mountain pass In SOiithwe.ncni Colorado. i'. R. OT r VtKATlll.H Til RI II Arui.F.Nr. ANn vn IMM: tloWy narmrr niiht ind Sjlurrijij. 1KXAS: I'irlh ilnnHj Iridav nifhl xntf Salurili r.lrlh >nd nnl TIAAi: Pjnll I riifjij nlchl ind Silurdi.t. Tr.jirrnui KIS All Utrf. Horn Thqrv I' iJ H 1 -.1 I IS i: I! HI..... rj it FRENCH UNDERGROUND WAGING FIGHI AGAINS1 VIOLATORS OF MORAL LAWS BV TAV1.0K IIRNRY Prr'.'i f orrrspnnrfrnl who rfAcbrri Immr Thurfrtay ahnarri Ihp nflrr A jrar in a firrm.in itilcrnmrnt camp, former- ly of ralr.slinr. Trv.. he was ror- rrspondrnl in anil Vichy, and HAS ronnrclimn Ihroiiehrii.L IA lit n II .'.I 1! Ilith ind UM Irmnrnlui" p. in. j: >nd 11. hi And Snnvl U.I nitkl M> funrnr IkU mftrnii-c: Ihnlthl: ;.lt. NEW YOIJK. NT.irrh -.France's "M'n Idr 1 only arr fizhUr.j Ihclr country's internal ftsftintl Oprman (V-- OUirr story nn acr KUht. nnd their Vichy bn' lautichrri ft IK-W or ccmnton pur.- i.'Umcnis of known violators of mor- al ami criminal laws. This nrw ckvrlopmmt in ihr Ficnch umtorsrounrt cnmpAign lift.1; by thr riisrc- into which Frrucli Vichy j Eaiirti Tlir rmninon iitnn in F'rAnrc (r.ripv lins Injl con- fidrncc in a frijrr which ha.1 llsfll umblr tn rical wave f'l crinir jet oft in Fr.ince hy tlir scarcity of food. j clothes and monry CAIIKd bv the IGrrman nu'iipatfon. One nt il-.r most Mflrllinp phn.i-fis this devrlopirirut o{ tlip is that the j 1 Men rif the Pa- triols who h.ise i.iken lo the I lo [tsht itic Vichy collaborationists i execute Mimnmy Justice nn any j woman -isstKiaTine with trixips. I Thr pur.i.-hment to fil j the case. Tlu- most pum.-h- n-.tnt for an unrmrncd girl known: lo he friendly with Gfrmnn .'oMirrs is for her to be kidnapped by a j terrori.1.! hand Irom th? have lirr head halt jhavrd and then be tururd in tlif ot her home town as an object of scorn. A nunifri will all hair sliced off her head. whUe wnmrn whose are war prisonrrs in often ate sentenced To by a fuinft 5Qtiad and the with warniri; pinned to Ihe bicast. Thr hair sentence is aJw> frequenUy earned o'.it on who have In prison lor too friendly relations mi Hi oilier Frenchmen. In such CAS- ex execntini of the yenlence. Is usu- ally uniil Ihe well-Oman- nndcrprotiud has been able to comnujr.icAte with Hie husband and oh t Mn npprnvM. which is gen- frally forthcoming ;
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text:
About Us
We are the Mason County Animal Shelter. We would like to see all animals go to a good home. There is no fee to adopt a pet, however, you do need to have it spayed/neutered within 30 days and promise to give it veterinary care!
Come visit us at 301 River Drive, Maysville Ky 41056!
Or Contact us by"
Email: firstname.lastname@example.com
Phone: (606) 564-6067


text:
- W.H. Auden's Stop all the clocks
- John Masefield's Sea Fever
- Langston Hughes' Let America be America be America, Again
- T.S. Eliot's The Wasteland
- Walt Whitman's O Me, O Life and O Captain, My Captain
- Tennyson's Crossing the Bar
- Byron's She Walks in Beauty
and so on and so on. Maybe it would even let you enter in your own poems too, and then send it as a gift to a cared one.


text:
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PAID VALUE EXPIRES ON May 26, 2022
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text:
By Jim Fitzgerald, Associated Press
WHITE PLAINS, N.Y. It really was a tornado that swept through Westchester County and into Connecticut — not that residents needed persuading.
After a tour of damaged areas in Sleepy Hollow and Mount Pleasant and conversations with witnesses, National Weather Service science officer Jeff Tongue said Wednesday's storm was a twister that carried winds of 100 to 125 mph.
The tornado ranged back and forth between F-1 and F-2 on the Fujita scale, making it stronger than most of the tornadoes that are documented in the Midwest's Tornado Alley, Tongue said Thursday.
"Less than 10% of all tornadoes reach F-2," he said.
It was the first tornado to hit Westchester County since 2000 and just the eighth since 1950, according to a list kept by the National Oceanic and Atmospheric Administration. None of them reached F-2 intensity on the Fujita scale, which ranges from F-0 to F-5. Tongue said there was an F-2 tornado in Long Island's Nassau County in 1998.
FULL LOCAL COVERAGE:The Journal-News, Westchester County
No major injuries were reported after Wednesday's storm. County Executive Andrew Spano, who viewed the damage from a helicopter, said, "There are trees on houses, trees that fell on cars, cars turned upside down. There are walls down, and yet everyone survived. ... I don't know why, but thank God for that."
Tongue said fatalities are common in F-2 tornadoes.
Within a few minutes, the twister uprooted or snapped off thousands of trees, blocked roadways and railroad tracks, blew out the concrete-block wall of a California Closets warehouse, destroyed a 125-year-old stained-glass window, tossed a truck into a bank of gasoline pumps and lifted a state trooper's cruiser off the ground, spun it and dropped it.
The tornado may have been born on the Rockland County shore of the Hudson River, then moved at 25 mph across the river toward Sleepy Hollow, just north of the Tappan Zee Bridge, Tongue said. In about 15 minutes it cut a 200- to 300-yard swath of torn-up woods and tossed-around structures straight across Westchester and into Fairfield County, Conn., he said.
Based on a Coast Guard report, he said, the same tornado may have appeared later over Long Island Sound.
Greenwich, Conn., police reported strong winds and fallen trees and utility poles in the northwest corner of town, but said there were no serious injuries or damage.
Vicki Safferstein, who works for PepsiCo Inc. in a glass-walled building in Mount Pleasant, watched the tornado approach — for a while.
"There were swirling black clouds, then they would stop, then they would swirl again, and we could see them gathering momentum," Safferstein, 46, said Thursday. "Then we saw all kinds of white paper blowing around in a circle, and at that point we realized what we were looking at was a tornado."
Safferstein said she fled to the windowless cubicles at the center of the building as the storm stripped glass panels from it, pulled up trees and ignited a fire.
It was in Mount Pleasant — over the high wooded grounds of the Rockefeller estate — that the storm reached its top intensity, Tongue said. Two small old barns on the estate were destroyed.
Thunderstorms continued for hours after the tornado spun through, and as many as 10,000 customers were without electricity for some time, although that number was down to 600 by late Thursday night, said Consolidated Edison spokesman Chris Olert.
In Hawthorne, a state trooper driving on Route 9A was slightly hurt after "his patrol car was picked up by the funnel and flipped around several times," Investigator Joseph Becerra said.
Shards of colored glass littered the floor at St. Teresa of Avila Church in Sleepy Hollow beneath the opening where a 10-foot-tall stained-glass window had been. Only the small arched top of the window was spared.
At the closet warehouse in Hawthorne, the storm took out a two-story wall, exposing beams and severing wires. Cinder blocks littered the surrounding area — including the hoods and roofs of employees' cars. An interior staircase also was destroyed, and four employees had to be evacuated by ladder.
Nathaniel Pringle, who had pulled his truck into a gas station on Saw Mill River Road, left the cab as he felt the wind pushing against his truck. Shortly, the truck was blown onto the gas pumps.
"It was just like on TV," Pringle said. "I hope I never have to see it again."
Copyright 2007 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
heating a room over the garage
Our new to us timber frame home is about 10 years old. I knew when we bough the house there were heating problems. The master bedroom is over the garage next to the loft. You could hang meat in there in the winter. I know part of the problem is the insulation in the garage celing. These rooms are notorious for air infiltration. There are also duct problems in the house. Bad design and probably bad connections. My plan is to rip out the drywall in the garage ceiling and replace the fiberglass insulation with a good quality spray foam. In the basement I will remove the ceiling and redo the ductwork. The furnace is a mid efficiency and still works well but does not push enough air to the upstairs. I doubt that the furnace will ever be able to overcome the length of the pipe runs and all the elbows. I would like to replace the furnace with a HE Variable speed DC unit. The house has a 21 ft. ceiling to the peak and a fan that runs all the time will help some. The main floor and the basement have in floor heat but not enough to heat the house without a furnace. I am wondering if maybe putting another furnace in the garage would help. This would heat that bedroom and the loft ( about 600 sq. ft. At the same time I would install AC in both furnaces. The duct work to the upper area would be very efficient with a minimum of bends. No long runs and properly sealed. There is already a large closet in the garage that would work for the furnace. Being HE no chimney would be needed. There is even a sub panel in that area and the existing gas line is in the garage. I realize this is an additional expense but I want this home to be "right" and comfortable The house is 1900 sq. ft( Including upstairs). plus a 1300 sq. ft. basement and is located in Manitoba ( read cold winters). The replacement of the existing 80% furnace would trigger a small rebate. Would having 2 furnaces be efficient? I bet they both would be on low fire a lot. Any ideas or criticisms appreciated.
If you can cap off all of the duct work going to the second floor. You will be able to use a much smaller furnace for the first floor.
Your air flow problem is from undersized duct. The length is the problem per say. Its the size they used, doesn't allow for the length it is(kinda like having a car that gets 50 miles to the gallon, but only has a 2 gallon gas tank).
The adding a second furnace for the second floor is a good idea.
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text:
Wall Street sees mobile app sales as the next battleground for China's Internet search leaders, Qihoo 360 Technology and Baidu.
Both companies have made investments this year expected to boost their mobile app sales, analysts say.
"We expect mobile traffic platforms (at Baidu and Qihoo) to monetize through gaming in the near future," JPMorgan analyst Alex Yao wrote last month as the investment bank opened coverage on 13 China Internet stocks. Baidu (BIDU) and Qihoo (QIHU) were among the eight that got overweight, or buy, ratings.
Qihoo's mobile app sales are soaring this quarter, says a research report released this month by T.H. Capital.
Smartphone users downloaded some 7 billion apps through Qihoo's app store in July and August, a 67% increase over total Q2 sales, it said.
Others see much the same. "Activities in mobile app store could be strong" this quarter, wrote T.H. Capital analyst Tian X. Hou.
Qihoo's app-store revenue jumped 181% in Q2 from the year-earlier period, the company reported.
Mobile app stores in China are much less structured than U.S. mobile app stores, which have made native apps — as opposed to apps that run through a mobile browser — nearly impossible to get from anywhere outside Apple's (AAPL) App Store, for iOS users, or Google's (GOOG) Android store, for Android users.
Market Is Like Wild West
Chinese buyers, on the other hand, buy their apps from a fragmented, Wild West-like industry. There are many app stores and no clear leaders.
But Qihoo and Baidu have been investing heavily to become those leaders.
App stores are "currently one of the most important entry points into the mobile Internet," analyst Yao wrote.
Use of mobile apps jumped 20% in China in Q1 2013 from Q3 2012, while mobile browser use rose just 2% in that span, wrote Yao.
"In our view, (the) global mobile Internet ecosystem is app-centric at this stage," wrote the analyst, as opposed to an environment where users do a lot of Web browsing.
Qihoo's and Baidu's app store investments are paying off already, analysts say.
In mobile game apps, for example, Qihoo's and Baidu's "leading platforms" have gained more control over how games are distributed, wrote analysts with investment bank Wedge Partners in a research note released this month.
With that control, the companies might be able to persuade other app developers to agree to sell exclusively through the Baidu or Qihoo app stores.
"In particular, we think Qihoo's strong Q2 results and Q3 guidance have already reflected such a trend," Wedge analyst Juan Lin wrote. "We think the positive influence will continue and amplify in the second half of 2013."
Qihoo CEO Lauds Progress
Qihoo's app store sales in Q2 topped the company's expectations, Qihoo CEO Hongyi Zhou told analysts on a conference call at the time. He said the company continues to invest heavily, seeking bigger growth.
"Though it may take some time to fully ramp up this business, the progress has been better than we expect," Zhou said.
Baidu, China's No. 1 search engine, is buying its way into the app market.
It announced in August that it has finalized plans to acquire Android app store 91 Wireless Websoft for $1.85 billion, a deal expected to close in Q4.
That acquisition reportedly is the biggest-ever Internet M&A deal in China.
"Baidu now possesses the strongest Android app distribution power in China, in our view," wrote JPMorgan analysts.
Qihoo CFO Alex Zuoli Xu, on the earnings conference call, says Baidu's decision to buy an app store "actually proves our strategy early on to focus in on the app store."
App sales help it sell more ads. Mobile gaming ads are "the fastest (growing) sector for mobile advertising" in China, says analyst Lin.
"The companies that will benefit most from such a trend will once again be Qihoo, Baidu and potentially Tencent," Lin wrote.
For now, relatively small growth in mobile device sales isn't giving any big boost to app sales.
Tablet sales in China rose 5.3% in Q2 vs. Q1, according to research firm Analysys International. Smartphone unit sales rose 2%.


text:
Schulze, Kirsten E. (2002) Indonesia: going it alone. World Today, 58 (6). ISSN 0043-9134
Indonesia found itself in a particularly vulnerable position after last year's Al Qaeda attacks. The world's largest Muslim country, some have accused it of harbouring terrorist sympathisers. With several separatist movements and a military suspected of human rights abuses, it has had to tread a narrow line. Typically for a non-aligned nation, it has chosen to go it alone.
|Item Type:
|Official URL:
|Additional Information:
|© 2002 The author
|Library of Congress subject classification:
|D History General and Old World > DS Asia
J Political Science > JQ Political institutions Asia
|Departments > International History
Research centres and groups > Middle East Centre
|Date Deposited:
|15 Dec 2009 14:18
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text:
Westpac chief executive Peter Clare says the bank's rivals have been left with a "hangover" after pushing forward with mortgage pre-approvals ahead of last month's crackdown on high-risk lending.
Clare, who yesterday announced a 9 per cent lift in cash earnings to $770 million for the year to September 30, said Westpac began paring back its over 80 per cent loan-to-value lending a year ago after discovering it had the highest rate.
"We actively sought to manage that down," he said.
The change had resulted in lending for high-risk mortgages falling by 1 per cent over the year to June, resulting in a decline to 20.9 per cent of its loan book. In its results presentation the bank states that its peers increased their high-risk lending by between 13 and 33 per cent as of June.
On October 5 the Reserve Bank introduced a new cap on high-risk lending with loan-to-value ratios (LVRs) of more than 80 per cent, limiting it to a maximum of 10 per cent of new lending.
Banks that exceed it face losing their licences.
Clare said it had not been difficult for Westpac to meet the new regulations although last month it confirmed it had withdrawn some pre-approvals.
"Anyone who comes in off the street we are talking to them about their options and are lending to a good portion of them."
But other banks were facing a "bit of a hangover", Clare said.
Last week BNZ chief executive Andrew Thorburn said that bank was doing hardly any new lending over 80 per cent because of the number of pre-approvals it had already given.
"If they convert we will use up our capacity," he said. In June the BNZ had the lowest percentage of loans in the high-risk area at 15.4 per cent.
Massey University banking expert David Tripe said it was too soon to measure any financial impact on the banks from the loan-to-value change.
"I would expect the LVR change to have some impact on bank lending but it won't necessarily have much impact on profits."
Tripe said Westpac's core earnings had not grown much in the past year which indicated a competitive market.
Earnings were up 1 per cent to $1.184 billion.
Clare described the bank's result as a "strong all-round performance in what has been a low growth environment".
The bank increased its deposits by 11 per cent to $46.6 billion and its loan book by 4 per cent to $61.6 billion.
Impairment charges for the bank were down 39 per cent to $117 million but its net interest margin was squeezed, falling 10 basis points to 2.38 per cent after more people switched from floating to fixed mortgage rates.
The official cash rate is expected to lift next year, signalling an increase in mortgage rates.
Clare said Westpac had widened its buffer on lending to help its customers cope with interest rate increases but admitted some would find it difficult.
However he played down any concern that rate rises could put pressure on the bank's impairment level.


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Because I'm sure you need yet another article telling you the big tech story of the week, we'll keep coverage down to this single post: today the Apple iPad launches in the US.
At this stage just the WiFi-only version of the iPad will be available, with prices starting from $499 for the 16GB edition and rising to $699 for the most capacious 64GBer. 3G enabled models will launch in 'late April', which is believed to be inline with international release dates.
Early feedback suggests what we had expected since it was first announced: that the iPad will split opinions. I've already listed the host of negatives in my iPad guide, but in on the plus side reviews confirm it is far faster than even the iPhone 3GS, the LED backlit screen is just as responsive as its dinkier siblings and the first wave of apps are nicely optimised for the larger screen - though they are considerably more expensive.
The bigger question still being asked, however, is: do you need it? An enhanced iPhone, but without the functionality of a netbook and coming in at a similar price and weight, that certainly is debatable.
Then again, Apple products are rarely purchased based purely on logic and I suspect most had already made up their minds whether to buy an iPad or not long before the critics had their say. Incredible Beautiful Amazing, perhaps not - but the iPad certainly has had the tech world talking...


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Getting yourself to the gym is a great accomplishment in itself. Many people never take that step to improve their health and their lives. But since you do, don't you think you should be doing the best and most efficient exercises to make the most out of your time? Spending time at the gym is only as effective as you make it.
Getting stuck in the same routine diminishes the results you get from your workouts and can leave you bored and uninterested in your workouts.
It's important for your mind and your body to vary things.
Take this opportunity to read about 5 exercises you likely aren't doing but definitely should. It's a great chance to start mixing up your workouts and getting more for your time and money.


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- firstname.lastname@example.com
- +91 9987295242
List Of TablesTable 1: Defense Navigational Instruments Sector Definitions
List Of FiguresFigure 1: BRICS Nations Defense Spends in Navigational Instruments Sector, Market Share by Country
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Al Ain to Camp in Turkey on a Private Jet
As per Sheikh Abdullah Mohd Khalid S Al Nahyan, Al Ain Fc Board Chairman, Al Ain first team delegation leaves at 12:00 pm on Friday on a private jet to Turkey from Al Ain International Airport to start the first phase of their preparations for the new season.
Al Ain during the camp will have three friendly matches against Turkish teams on 10,13, and 18 of July. Later they will be back to Al Ain friendly championship from 21 to 26 of July and will play each of Al Nasr from KSA, and Kuwait.
Al Ain Delegation
H.E. Mohammed Obeid Hammad, team supervisor, headed the delegation followed by Nasser Al Jenebi, team administrator, Zlatko Dalic, team manager, Branimir Jogivic, and Hisham Srour, assistant coaches, Bashar Al dbul Jaleel, GKs coach, Franco Liko, fitness coach, Muhsen Balhoz, nutritionist, Abdul Nasser Al Juhani, Ivika, Miroslav, and Marlin, therapists, Khalid Mustafa, media officer, Park Song, Translator, Saeed bin Ali, video man, Abdul Aziz Saeed, Photographer, Khalid Abdul Karim, and Mohammed Nour Al Huda, clerks, Asharf Abdul Karim, and Adel Najati, cooks.
29 players joined Al Ain delegation and they are: "Hilal Saeed, Ibrahim Diaky, Ismail Ahmed, Omar Abdurrahman, Rashid Issa, Mohd Abdurrahman, Saeed Musabeh, Mohd Ahmed, Khalid Issa, Ahmed Al Shamisi, Abdul Salam Mohd, Mohd Salem, Waleed Salem, Faris Juma, Mohd Fayez, Ali Al Wehaibi, Fawzy Fayez, Lee Muyng Joo, Mohd Al Saadi, Bandar Al Ahbabi, Sultan Al Ghaferi, Khalid Abdurrahman, Daoud Suleiman, Abdul Aziz Fayez, Rayan Yaslam, Mohd Busandah, Yusuf Ahmed, Ahmed Barman, and Miroslav who joined Al Ain recently.
Hard Mission
Zlatko, Al Ain manager, assured that Al Ain target for this season is to go further in the ACL which will start by a tough match, so we must get the team ready well and if we had the needed motivation we will do our best to reach the semifinal.
"I trust my players and we started well in Al Ain and we will complete our program in Turkey and we are waiting for the national players to join us there in Turkey. However our main target now is the match against Itihad."
Asked about the new players and he replied: "definitely we need to enhance our team by the best players and Miroslav is an excellent player but we need also a local player who can play in midfield and wings with striking skills. I know well Rashid just came from injury so we must be careful with him. However Lee Joo will take Radoi's place on pitch. We still need another player but we must not be in hurry and choose the best."
Fans and Audience
Zlatko Stated: "I expect this season a bigger number of fans than those in the last season to support us in the coming challenges. I know the team wasn't as sought but in the past three months we fixed it and saved our season. Now there is nothing annoying the fans and we are doing our best."
Great Striker
Asked about Gyan in the World Cup 2014 and he replied: "I congratulate him for the performance he showed with his national team in the world cup and he scored great goals and he needs rest now and I will give him the time to be ready for the coming challenges."
Asked about the Croatian team and he replied: "I expected them to qualify and reach high levels but they lost to Mexico who were better than my national team in the match. So many European teams left the world cup early like Spain, England, and Italy but our national team seemed good. I expected Brazil to win the world cup but as I see there many surprises and football admit no expectations."


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WILLARD S. PAUL, GENERAL, 72, DIES; Battle Leader, Personnel Chief Praised the Wacs
WASHINGTON, March 21 (AP) Lieut. Gen. Willard S. Paul, who directed personnel operations for the United States Army in Europe during World War II, died tonight in Walter Reed Army Hospital. He was 72 years old.
March 22, 1966
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Student financial literacy efforts tackle the most common personal finance blunders
From managing loans to controlling spending, many college students find themselves dealing with a host of financial responsibilities for the very first time. And it's not uncommon for them to trip up.
Campus financial literacy programs can help students steer clear of some of their most common financial mistakes. The challenge for educators is to find creative and clever ways to get their attention.
Even a fun title for a financial literacy course helps. For instance, at Adelphi University in New York, business professor Rakesh Gupta teaches the first-year seminar "Your Money and Your Life." Gupta, formerly the dean of Adelphi's Robert B. Willumstad School of Business, developed the course a decade ago with a grant from the Citigroup Foundation. Like other university faculty members and administrators pushing financial literacy nationwide, Gupta aims to show students that good financial decisions and a good life go hand in hand.


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|Thread Tools
paint price
Why is it that some guys will spend $7000.00 or more for paint, and yet i have seen way lower price paint jobs take best paint at major car shows. Can anyone explain this to me. Im not cutting anyone down, just trying to understand.
Money can't always buy quality, it's always up to the person doing the work.
Truth is Spoken
I have tried most all of it and now do what is known to work..
i spend around 150 hrs on a paint job. sometimes more. do the math. i spend around 1k for materials . shop rent would be 1500 or more a month. utilities 600 . ins 200 or more. so i have around 3500 to 4000 in expense and if i charge 7k that means i make 3k for the job. thats 20 an hr. it cost 54 an hr to get your lawn mower worked on. i cant make a living at 20 an hr .
$7000 can be justified for a good paint job that will last. You can charge that much for a paint job that is not top notch also, and get away with it. On the other hand, the appearance of a paint job does not necessarilly speak to the quality and it's lasting ability. You can paint a car, and make it look great for a short peroid. A year or 2 down the road, it may look like garbage. Appearance, good or bad, can be only the outside.
The only way I can figure someone winning a major show with less than $7000 into the paint job is if they did the job themselves.
I have seen many of those type cars where a painter or bodyman will work on his own car for years and nothing can compare to it.
Now to win a local show with a $7000 paint job, sure but a major, I'm not so sure when the last one I was in the guy parked next to me had over $175,000 into the Restoration of his vette.
A major to me is goodguys, southern rod run, knoxville, dollywood, etc. not the monthly show we have in Canton where there are 300 cars that drive in and everyone votes for their best friend. Example of this is about two or three years ago some jerk showed his new corvette and won first or second place, that is just to much! He must have had the whole family there voting.
You just cannot hire a bodyshop to perform a show winner for $7000 and here again I'm talking major shows where the best of the best will be there.
paint price
I guess the reason i started this is because i know a guy who just paid over $10,000.00 for a paint job on his 35 plymouth coupe, and in less than a year the paint is chipping off, and he has not even had a chance to show it, yet i have also been to some major shows and have seen some cheaper paint jobs take best of paint. I have been told by many bodymen that its not the paint that is costly, its the labor to get it perfect.I just cant see spending this kind of money on a paint job unless you own a trailer queen that never gets driven. And what good is a car if you cant drive it. The funny thing about all this is i had an aunt who had a $500.00 paint job done on her old Buick 15 years ago and it still looks good today, and it has not chipped yet.So i guess we really cant put a value on a paint job and be right,as not everyone is going to agree on this anyway.and im only talking about paint, not a complete restoration. My dad always told me there is no such thing as perfect and i still believe him to this day.
One thing I noticed with some pretty cool looking older cars that you
see at shows is the paint typically looks good but in some cases it can look
too good. For example lets say there is a cool looking 69 camaro done in
a BC/CC job. The car might be flawless but BC/CC never came on that model
car or perhaps the color does not do the car Justice.
On older cars I prefer a single stage paint job, i.e no clear coat. My thinking
on this is it can make a car look more original and clean. Looking at a old
hot rod done in a BC/CC with a super mirror finish from the clear can de-tract
from the actual car depending on color.
It may be possible in this case for a guy with a 3k paint job as opposed to the 10k paint job to steal the show.
I think keeping a car as original as possible with respect to the paint and color
is a better option on older cars.
Just my opinion.
No matter whether it is a $1000 paint job or a $10000 paint job. If the body work is bad then the paint jobs looks bad too. If it is an all out show car ie. Trailer Queen and never driven on the street and only put in shows and that was the soul purpose of it, then quite a bit of that money goes into prep work. And like Shine says...that is expensive. Then you have all of th ework afterwards with the sanding, polishing, touchup, etc, etc, etc. Some of those higher end paint jobs are flawless and people will pay for that. On the less expensive, it may look just as good but the fine detail is not there. The bodywork is not as good in areas that most people do not even notice anyhow. For example...under the rocker panel where the rocker and floor are spot welded together. On a driver you would be able to see the spot welds, on the other, the bodywork would carry to this area and be just as smooth as a hood or a fender.
Then you get into paint where the majority believe that more is better. The more money spent, the better the paint, which may be true. But if the prep work is not flawless then the paint will not be either. Then you step down to using high end this and cheaper that, or mix and match and then have a failure. Factor in human error at some point and the high end paint just dropped a notch or two. And with the cost of things rising daily a $7000 paint job is getting to the place that it is really not out of line. Just ask BullHeimer. LOL!!! I was watching a special one day on the tube about Chip Foose getting his car ready for the Ridler show and if I remember correctly he stated that the paint job that was going on it was upwards of $40,000.00. Whoa!!! That makes $7000 look kinda cheap now.
who gives a crap if BC/CC never came on a car in '69??? The paint nowdays if MUCH nicer looking and longer lasting (tougher) than that old laquer was... I like it when an older car has a top quality BC/CC job on it, especially those done at home for way less than $20,000. Originality at a show is nice for the chalk marks on the firewall & rearend & such, but paint should 'shine'!! I don't like those primer-looking rat-rods either, they look painted with a roller!! To each his own though... Not trying to offend anybody.
if i spent that much on a paint job, i could not enjoy drivering it, scared a rock or a dent in it would mess it up
I don't think many people are going to spend 10 grand on a paint job that will be driven a lot. Just look at the length of the blitz black thread on here, and the roller paint job on moparts that I'll give a link to. But the fact with the amount of hours put in a quality paint job and perfecting the body and the finish, and the price of the better materials, it is not unreasonable for a top notch job. Painters/body men need to get paid for there time like anyone else trying to make a living. What gets me is alot of people are more willing to pay a good chunk of change for the cost of paint and materials these days, but think you are out to screw them if you want a reasonable rate for labor. I did side jobs for awhile and even though I quoted very reasonable (don't have huge overhead, but like shine said, a nice shop has a lot of costs to cover) and spent time explaining what would need to be done, what material costs are, and the labor that would be involved, a lot of time would not hear back. Now I keep it short and just say how much. I only charged a labor rate of what I could make working for someone, plus a little bit more for giving up my free time and electricity, water, ect. The ones that are overly cheap are usually the most nit picky and ones looking for something to complain about besides that. Or many started something like, I don't have much money or had cheap somewhere in the email or conversation. I don't want to run up my bills, spend a ton of my time and been able to make more working at mcdonalds. Really makes it tough for the small guy to want to continue to do the work. I don't really even persue work anymore, and have a steady decent income from my job and things there are not perfected like the jobs I did at home. I guess its much more rewarding to work on your own stuff, even if you are your worse critic. Like anything you may get less then you pay for, what you pay for, and once in a great while more then you pay for. There are a few cons also in any business, which is why you don't blindly take your car to someone without asking for some references. Its all in the details and the price of the materials used. It may look very good when you get it, but some lines the durability and longevity may be better, and if time was not taken, recommendations followed, the paint job could show problems a little down the road.
Last edited by kenseth17; 04-01-2006 at 09:59 AM.
You just can't compare two different cars typically. If car A had a rust-free (what's that) body and required no major panel replacement, then maybe you can fix minor dents, block, prime, and shoot it for $3K. If car B needs panels replaced, has several gaps needing frame pulling, has lots of rust, etc. all of that takes time - time at $30-$75 hour depending on the shop and where you live. The end results might be IDENTICAL, but it was the starting product that determined the price...
O.K. then,
I'll ask a question that I have been contemplating-if I do the Body work (Epoxy Primer, hopefully just a tad or no Bondo, Primer/Filler, block sand, block sand, block sand, block sand, block sand, you get the idea) get it as straight as a regular, idiot Gearhead can, buy the Paint (if it doesn't offend the Painter) take it to a reputable Shop, any guestimates on what a two-tone job would cost?
Maybe my question was answered while I tired to pose this question^^^
first off , if a painter is any good he will not risk "shooting " a ready to paint car. no matter what kind of deal is made his name is going to be tagged with it. i wont even work behind another bodyman. now think about it for a sec. would you put aside top money jobs to do a job that way. this is how we make our living. believe me you can be "good deal'd" right out of bez. don't be offended if a painter passes on the deal. he really just cant afford it. we're usually buried in work and several weeks behind already.
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What tool do I need??
I am trying to remove the brass mounting nut from the underside of a widespread faucet in the bathroom. There is not much room under there and I was unable to take the nut off with a regular wrench. I tried a basin wrench, but again there wasn't much room to get the basin wrench in around the nut. I also bought the RIDGID faucet installer tool but the valve is too big for the shaft of the tool so I can't even get the tool up to the nut. The nut may be around 1.25" and the tool is 1 and 1/16".
The plumbing is probably about 20 years old(original). What tool do I need?! I am not sure how they even installed the thing! The only way I can think of is that they installed them on the sink and then laid down the sink. I do not want to remove the sink! Not sure if this is a small project or what. Is there some type of slotted socket wrench out there? I see shower valves that are 1 to 1.5" that would work for the spout nut, but the hot and cold nuts have valves out to the side, so there needs to be a slot. Should I buy a shower valve and then cut a slot?(Don't have any metal cutting tools though)
3 Attachment(s)
Was able to get the faucet off but not sure what to do about the hot and cold nuts.
There are inexpensive basin wrenches available, but you only need something to hold the bottom nuts, or the valve body. The top chrome nuts are what holds the valve bodies in place. Water pump slip joint or similar pliers usually works there. They unscrew and the body comes out the bottom.
It's called a basin wrench.
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On Thursday the iPad turned one year old. It didn't launch until 3 April, but on 27 January 2010 Steve Jobs took to the stage at the Yerba Buena Center for the Arts in San Francisco and announced a device he claimed was "magical" and "revolutionary". The world laughed, it was a big iPod touch. 12 months on and hopefully in improving health Jobs can now afford himself a wry smile. The iPad has been the most successful launch in Apple's history and changed the technology industry. The bigger questions are why and what can be done about it?
When Apple announced its remarkable Q1 results last week the iPad accounted for $4.6 billion in revenue. 7.33 million units sold in just three months, 15 million units since April. iPad earnings almost equal the whole of Apple's 27 year old Mac business. Yet contrary to Jobs' marketing hyperbole the iPad isn't magical, its hardware is limited and it is arguably the ugliest product to have escaped the Cupertino labs in years. In May we reviewed the iPad and gave it seven out of 10, it was nearly a six. Come December it was Readers' Choice product of the year. The parody videos dried up, no one was laughing at the name.
The transformation has been remarkable. Tablets were a poisoned chalice. Everyone had tried and failed to make one, even Apple. Bigger than a phone, less functional that a laptop yet no cheaper. A form factor that needs two hands to type, yet two hands to hold. The insolvable riddle was finally cracked open by doing very little at all.
Of course this statement is disingenuous. In making the iPad the hardware was the easy part, because the groundwork was laid in the ecosystem. What carried the iPhone to success was iOS and the App Store built upon it. For the iPad to succeed there was no need to stray from a winning recipe, instead the battle was to ensure developers embraced it and they did in their droves. If anything the iPad is the ultimate embodiment of the power of software. Cramming all an iPhone's hardware into that skinny shell is staggering. Adding just some of it into an iPad is far from it. Apple didn't make a great product, third parties did and they keep making it better all the time. It is no wonder momentum snowballed and apps got ever more creative.
Perhaps most interesting, is it means everyone was right. At launch the iPad was little more than a big iPod touch and its diet was apps designed for 3.5in screens. I maintain: seven out of 10 was generous. You don't review a product on its third party software: Windows Vista didn't get that luxury. Consequently the iPad would score little better now, but as a package devotees have the right to coo. The iPad is the great love/hate device where both sides are equally right.
All of which creates a major challenge for everyone else: how on earth do you compete with a device that is widely successful almost in spite of itself and because of massive third party support on a proprietary platform? The glib answer would be to say: not easily. The greater issue, however, is that - as if the challenge wasn't great enough – rivals are making huge mistakes.


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Heart of Midlothian F.C. weather map
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Your chosen location:
City of London
An error has occurred.
Weather type
Forecast summary
Regional forecast for Dumfries, Galloway, Lothian & Borders
Dry and bright with some sunshine.
All parts will have a dry and bright day with some sunshine but more cloud building up in the afternoon. Becoming quite warm especially over East Lothian and Borders. Light westerly winds. Maximum Temperature 19 °C.
It will stay rather cloudy and very mild with patchy light rain, much of it over Galloway. Light westerly winds. Minimum Temperature 10 °C.
Rather cloudy start with any light rain soon dying out. Then becoming brighter and warm with sunny spells developing. Light winds. Maximum Temperature 22 °C.
Outlook for Thursday to Saturday:
High pressure will maintain dry, settled conditions with plenty of sunshine. Becoming very warm inland but onshore breezes keeping coastal areas cooler. Showery rain may develop on Saturday.
Updated at: 0444 on Tue 23 May 2017
UK forecast for the next 5 days
Largely dry with warm sunny spells for many.
Largely dry today with some warm sunny spells for most. However, skies will be cloudier in the southwest with mist and fog over hills and along some coasts. Outbreaks of rain in the far northwest at times.
Staying generally dry overnight, apart from patchy rain in the northwest. Skies turning cloudier across western parts with widespread hill fog.
Patchy rain in the far northwest will gradually ease through the day. Dry elsewhere with patchy cloud and sunny spells, but coastal fog persisting along some southern coasts.
Outlook for Thursday to Saturday:
Dry at first with increasing amounts of sunshine, and becoming very warm or hot for many. However, an increasing chance of thundery showers moving into western areas on Saturday.
Updated at: 0311 on Tue 23 May 2017
Outlook for the UK over the next 6-30 days
UK Outlook for Saturday 27 May 2017 to Monday 5 Jun 2017:
The sunny and very warm or hot conditions are likely to hold on in many eastern and south-eastern parts during the Bank Holiday weekend. However, we will already begin to see a thundery breakdown pushing in across northern and western parts during Saturday. Perhaps turning fresher, with drier and brighter weather moving into western parts on Sunday and Monday. A brief settled spell of weather is likely to follow, before we see unsettled conditions developing into the first week of June, with a mixture of sunshine and showers or longer spells of rain with strong winds, mainly in the north and west. Temperatures generally returning closer to normal, although in any sunshine it will become rather warm at times.
Updated at: 1359 on Mon 22 May 2017
UK Outlook for Tuesday 6 Jun 2017 to Tuesday 20 Jun 2017:
Confidence in the forecast remains low into early June, but on balance the first full week of June looks set to remain unsettled with showers or longer spells of rain, interspersed with some drier and brighter weather. By the middle of June, more settled weather may begin to dominate bringing drier and brighter weather. Temperatures are likely to be close to normal during the start of this period, but as more settled weather arrives it is likely that it will turn warmer and may become very warm in places.
Updated at: 1346 on Mon 22 May 2017
Location Details
Heart of Midlothian F.C.
Location: 55.9408, -3.2253
Altitude: 48.0 m above mean sea level


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Circus Oz
Page Tools
Double bassist John O'Hagan flies through his Circus
Oz routine.
Photo: John Tsiavis
Birrarung Marr, until July 17
Circus Oz is looking lively. From the moment the performers burst on stage among towering flames to their united and powerful closing sequence, these guys are awesome.
While the first half of the show is slow at times, the overall quality of the acts and the near-constant humour carry it off. Ranging from raucous cockatoos to acrobatically insincere politicians, the ensemble works as a ripping, well-rehearsed team.
The group sequences are clearly arranged and immaculately performed, and the wide-ranging talents displayed in the individual acts are generally terrific. Scott Hone's extraordinary BMX tricks, accompanied by the dexterous Suzanne Simpson on violin, are impressive for their complexity.
Sosina Wogayehu's funky disco juggling act is more entertaining than her slightly drawn-out contortion segment, although both are smoothly performed.
Captain Frodo's impeccable comic timing and wacky physical humour are evident every moment he is on stage. His incredible rubber-man routine is polished and perfected, yet still seems fresh. Bringing more bucketfuls of clownish comedy are Michael Ling and Matt Wilson, both atop the precarious balancing pole and as the human cannonball.
They shine equally in acrobatic, musical, theatrical and comedic roles.
The strength of the women in this circus is always astounding. The elastic power of Mellissa Fyfe combined with the cheeky energy of Nicci Wilks makes for a great cat and mouse sequence on the Rhoenrad Wheel. Featherweight Antonella Casella and glamorous Ali Weaver are dynamic in their daring aerial sequences.
Circus Oz wouldn't be complete without its live music, performed by Simpson, Jim Dunlop and John O'Hagan, along with various members of the cast. The energetic and atmospheric score lifts the show, literally, off the ground in the case of O'Hagan and his flying double bass.
Irreverent, hilarious, spunky and cohesive, Circus Oz has broad appeal.
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