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Led by double-digit dividend yields, investors dived into mortgaged REITs back in 2012 and 2013. Now the group is coming off an ugly second quarter, where prices fell sharply amid a bond market rout fueled by expectations that the Federal Reserve will finally raise interest rates in September. Conviction is waning that the Fed will take action next month amid recent market turmoil. So what is in store for mortgage REITs? Here's what Wunderlich analyst Merrill Ross had to say in a note published today:
… we believe the September FOMC meeting could prove contentious, with most voting members believing that conditions for lift off have been met, while some remain less certain. Successfully protecting equity from erosion will be a function of asset selection, low leverage, and more than a little luck that hedges remain correlated to assets. To the extent we emerge from this turn in the cycle with a flatter yield curve, as we expect, dividends will likely be reset lower. Because we think that hedges will be imperfect, our target prices are uniformly at a discount to trailing BVPS.
Though up 6% since hitting a 52-week low on June 30, Annaly Capital Management (NLY) is down 6% since the start o 2015, while American Capital Agency (AGNC) and AG Mortgage Investment Trust (MITT) declined more than 10%. CYS Investments (CYS) is lower by 12% while is down 0.56%%. The iShares Mortgage Real Estate Capped fund (REM), which covers the group, is down 10.8% so far this year.
U.S. stock futures are rising Thursday morning, recovering some of the ground lost during yesterday routing. The Dow industrials are up 66 points. Brent crude prices are near $49 a barrel. Gold prices slip more than 1% as the fed's outlook boosts the U.S. dollar.
Meanwhile, the yield on the U.S. 10-year Treasury rose to 1.74^%
Here's a few headline to go with your morning coffee:Tough Debvates Ahead for the Fed;
Folks in New England are digging out from Blizzard Juno. Apple (AAPL) shares are surging to lead the S&P 500 index higher on the strength of last night's earnings report. The Dow industrials are up slightly after yesterday's dramatic losses, while U.S. Treasuries strengthened today as growing market turmoil in Greece boosted demand for haven assets.
Here's some headlines that should peak your interest.
REITs are one of those dividend-paying instruments that investors have depended on to quench their thirst for income. But has the REIT rally lost its steam?
Barclays analyst Ross Smotrich and his team think real-estate investment trusts will struggle in 2015 to deliver meaningful outperformance compared to the broader markets. Why? Smotrich says earnings growth for REITs, though still positive, is slowing down, while valuations remain at historically high levels.
In a note published today, Smotrich predicts a total return for the REIT sector at 9% this year. He writes:
The consensus view is that the Federal Reserve will begin to raise rates in mid-2015. While higher rates would likely coincide with good real estate fundamentals and stable cap rates, we think in that event, upside could be limited near term given the historical negative correlation between REIT multiples and interest rates. In 2014, REITs benefitted from the search for both yield and a safe haven during geo-political uncertainty. We think the opportunity for high REIT returns has diminished; valuation levels are at the high end of historical ranges and expected growth appears to be priced into the stocks. On the plus side, we think REITs offer a defensive alternative, solid dividend income and dividend growth. It's a big note – totaling more than 100 pages – that offers an outlook for more than 30 companies. – REIT sector generating a 9% total return this year.
Smotrich's view isn't universal. The 100-page note published today, which digs into more than 30 companies — downgraded multi-family REITs, which operate apartment buildings, to neutral from positive, and upgraded the group focused on shopping centers to neutral from negative.
As for company specific moves, Smotrich downgraded the following stocks:
Mortgage real-estate investment trusts have avoided getting clobbered amid the renewed market volatility over the past week, although they're still generally down over the past month or two. The good news for mREITs is that the same weakening global growth outlook that's been hitting the stock market has translated into expectations that the Fed will be slower to raise interest rates. Recall the mREIT sector got hammered during the summer of 2013 when interest rates rose sharply after the Fed started talking about a timeline for tapering its asset purchase program.
Credit Suisse today sounds an upbeat note about mREITs, pointing out that the sector has rebounded over the past two weeks and saying CS "continue[s] to see the mortgage REITs as presenting an attractive risk reward outlook given the 11.4% discount to book value and more benign forward rate environment." Credit Suisse says it continues to prefer mREITs that are building out operating businesses, listing PennyMac Mortgage Investment Trust (PMT), New Residential Investment Corp. (NRZ), and Two Harbors Investment Corp. (TWO) as its top picks.
Here's more from Credit Suisse on rate-hike assumptions and the yield curve:
Short-term interest rate expectations have reversed course in October following moves higher during the third quarter. Fed Funds futures are expecting the first increase in rates in the 2Q/3Q range of 2015 with rates ending 2015 at 0.57% and 1.54% at the end of 2016; these are both 10 bps lower than at the end of the second quarter. The path of the Fed Funds futures is lower than the interest rate expectations that we have built into our mortgage REIT models.
With the approaching first rate hike shorter dated yields have increased while global uncertainty has kept the long-end more anchored. This environment has been relatively favorable for the book value performance of the mortgage REITs, but more challenging to incremental investments.
It pays to invest in real-estate investment trusts.
Citing a soon to be released study by research firm CEM Benchmarking, Pensions & Investments reports that REITs offered the highest net return of all asset classes for 900 corporate and public pension funds between 1998 and 2011.
P&I.com reports:
Listed equity REITs, with an average annual net return of 11.31%, just edged out private equity, at 11.1% during the study period. Real assets other than real estate — including commodities, infrastructure and natural resources — was the next best performing asset class with 9.85%, said the study, commissioned by the National Association of Real Estate Investment Trusts, Washington.
CEM's survey period started in 1998 because that is when the Toronto-based firm first separated REITs from stocks in its surveys. The period ends with 2011, the most recent data available to CEM because of the delay in calculating returns of private alternative investments.
Real-estate investment trusts pay hefty dividends. And it is one of several asset classes that can react sharply to the rise and fall of interest rates. And recent worries about the Fed's plans to raise interest rates next year have dragged down both the Vanguard REIT ETF (VNQ) and the Guggenheim Wilshire U.S. REIT fund (WREI) more than 5% off multi-year highs recorded last month.
Now at $74.1, the Vanguard fund has gained 10% during the past two years while the Guggenheim ETF has lifted 14% dur5ing the same span.
Mortgage real-estate investment trusts could be in for some more Federal Reserve-induced volatility this week if the Fed tweaks its policy statement language about the timing of its first rate hike. Back in May 2013, when then-Fed Chairman Ben Bernanke sketched out a timetable for winding down the central bank's bond-buying program, mortgage REITs got crushed. Today Daniel Altscher and Cole Allen of FBR Capital Markets ponder what could happen to mREITs this time around if the Fed does change its policy statement and its interest-rate projections:
For residential mortgage REITs, this Wednesday's FOMC statement could in fact be the most important since the December 18, 2013 statement in which the Fed formally announced the beginning of tapering QE…. While mortgage REITs in general have already started to trade negatively on the prospect of higher short-term rates coming sooner than expected, we believe even the slightest hawkish change to the language or the Fed's dot plot could continue to exacerbate the pain in the stocks. Accordingly, we see trading risk continuing to be to the downside for residential mREITs going into Wednesday's statement as we think the odds of anything more hawkish are likely to outweigh the odds of anything more dovish or unchanged for that matter.
If you're willing to stay long mREITs and bet that the Fed won't make meaningful changes to its statement this time around, or if you want to take advantage of any mREIT weakness, FBR calls MFA Financial (MFA) a "top choice" with a relatively short-duration portfolio that's 65% comprised of adjustable-rate mortgages, with the majority due to reset in under two years. "Accordingly, we see the opportunity for both book value and net interest income stability within MFA's portfolio on the view of higher rates," FBR writes. "Importantly, if higher short-term rates do indeed accompany an improvement in the economy, then MFA's relatively high-quality credit book could also achieve gains, particularly given an emphasis on ARMs that could reset higher in coupon."
Looking at commercial mortgage REITs, FBR notes that they're funded much differently than residential mortgage REITs in that they do not use short-term financing in combination with interest rate swaps to lengthen duration or hedge interest rate risk. "We think this group is far less susceptible to a rise in short-term interest rates," FBR says, and sees Blackstone Mortgage Trust (BXMT) "as a beneficiary when short-term rates increase as we believe the company's earnings power actually improves when LIBOR moves up…. With the company just increasing the quarterly dividend to $0.50, up from $0.48 (as we expected and have been modeling), we continue to think the fundamental prospects for BXMT remain sound."
Citi strategists today cast a skeptical eye on Windstream Holdings Inc.'s (WIN) plan to spin off certain network assets into a real-estate investment trust. With the historically high-yielding telecom company expected to release its second-quarter results on Thursday, Citi's Michael Rolling and Kevin Toomey today say they remain Neutral on WIN but add that WIN's dividend cut "may forebode direction of operational headwinds." More from Citi:
[I]ts proposed REIT conversion does improve cash flow to reinvest in its operations, but we are interested to learn more about the timing to suddenly shift its direction by cutting the dividend and raising its future capital intensity expectations. We are concerned that operating performance is unlikely to improve near-term and could degrade further given its recent financial decisions. We recognize greater tax efficiency and the value arbitrage from PropCo (pending the spin) could help to offset the potential risk to value within the OpCo. We remain neutral on WIN shares.
Last week Moody's Investors Service called the REIT spin-off "a near-term credit positive" but said it removes future financial flexibility, and that the unorthodox structure could have long-term risks:
The creation of the REIT (PropCo) will complicate Windstream's corporate structure and could ultimately weaken both companies' credit. The structure may result in unintended consequences or invite capital market or corporate governance risks as Windstream attempts to fund its operation from separate entities whose profit motives could diverge over time.
Moody's said it expects to see more REIT spin-offs in the wake of this one, but not from the major telecom companies:
We believe that additional wireline telcos, such as Frontier Communications Corp. (Ba2 review for downgrade) and, to a lesser extent, CenturyLink Inc. (Ba1 negative), could pursue this structure to reduce their future taxes and common dividends in a way that is opaque to shareholders. However, we do not believe that AT&T Inc. (A3 review for downgrade) or Verizon Communications Inc. (Baa1 stable) will pursue such a structure due to the headline risk and potential regulatory challenges it could create. We also believe that AT&T and/or Verizon would overwhelm what we view as a niche asset class and dilute the current valuation premium on triple-net REITs.
Wunderlich Securities today upgraded American Capital Agency Corp. (AGNC) to a Buy rating and bumped up its price target by $3 to $26.50, a day after the mortgage real estate investment trust beat Street estimates by reporting second-quarter net earnings of 87 cents per share. AGNC shares were recently trading down 0.1% at $23.58 today, after its book value climbed by $1.77 to $26.26 at the end of the second quarter. From Wunderlich's Merrill Ross:
Near term, AGNC is overweight the middle of the coupon stack in 30-year bonds and seasoned 15-years. As a manager of agency MBS, AGNC has to be focused on duration and liquidity at the same time. We think it is reasonable to extend duration in an environment where extension risk is priced into the market, and that is what we believe AGNC is doing with its current asset selection. Though price volatility is low, we think there will be opportunities to fine-tune portfolio composition….
We observe that price discovery in agency MBS as the FOMC has tapered its large scale asset purchase has been far less complicated than we expected, perhaps because of the negative net supply of new bonds. Based on our expectation that dividends will be well covered by core earnings, we are raising our price target to $26.50/sh, because mortgage REITs on average trade to trailing BVPS. Because the stock looks cheap relative to that target, we are raising our rating from Hold to Buy.
Shares in high-yielding telecom company Windstream Holdings Inc. (WIN) have surged 21% to $12.72 Tuesday on plans to spin off certain network assets into a real-estate investment trust. Windstream said the transaction will allow the REIT, which will own Windstream's existing fiber and copper network and other fixed real estate assets, to expand its network and diversify its assets through acquisitions.
"This transaction will make Windstream a more nimble competitor in today's increasingly dynamic communications marketplace and accelerate our deployment of advanced communications services," said Jeff Gardner, president and CEO of Windstream, in a statement. "Additionally, the REIT will have geographically diverse, high-quality assets and sustainable cash flows with the ability to grow and diversify over time."
Windstream expects a 70-cent aggregate annual dividend per share for the two companies (down from WIN's $1 current annual dividend), consisting of a 10-cent dividend for WIN and a 60-cent dividend for the REIT. Jefferies analysts called the plan an "elegant way" for WIN to cut its dividend. Windstream said its shareholders will retain their existing shares and receive shares in the REIT commensurate with their Windstream ownership.
From Oppenheimer analysts Timothy Horan and Jonathan Michaels:
The REIT will pay a $0.60 annual dividend, which we expect will trade at less than a 4% yield or $14+ and the services company will have a $0.10 dividend which will probably trade at a 10% yield or so. Our best guess at this point is that the company is worth at least $15/share with this structure, but potentially as much as $18….
We have seen the REIT Data centers and Towers trade 30-40% higher than non-REITs by avoiding taxes… For our sector, we believe this means that every network stock we cover is roughly 20% undervalued at this point, as they should be able to largely avoid paying taxes going forward.
Wells Fargo Securities' analyst Jennifer Fritzche was more perplexed, calling it a "surprising move" and a "very confusing transaction" but still "a positive for WIN shares" that simplifies WIN's core business focus and capital structure.
Here's Citi's Michael Rollins:
Windstream's proposed structure could improve its tax efficiency which could help its ability to invest and pay dividends over the longer term. However, the proposed structure represents a 30% reduction in the dividend. This could infer that operations are not turning around as quickly and represents a possible area of fundamental concern for us. The lower dividend amount could also limit the upside potential in the share price from the change in structure.
We have many questions about the specifics of using a REIT structure for traditional telecom assets such as: 1) which assets are actually included in the REIT structure; 2) the amount of tax efficiency; 3) implications for future M&A; 4) transferability of the structure to other telecom companies within the sector; 5) risk of competing self-interests between the operating company and the property company; 6) Windstream's future financial outlook in light of today's announcement; & 7) amount of incremental capital required for the companies augmented broadband deployments.
WINs' board of directors approved the plan following the receipt of a favorable private letter ruling from the Internal Revenue Service.
Barrons.com's Income Investing blog helps readers find undervalued securities that offer attractive yields, with an emphasis on dividend-paying stocks, preferred shares, bonds, REITs, Master Limited Partnerships and closed-end funds.
Amey Stone is Barron's Income Investing blogger and Current Yield columnist. She was formerly a managing editor at CBS MoneyWatch, MSN Money and AOL DailyFinance. Her responsibilities included overseeing market coverage and personal finance topics. Prior to those roles, she was a senior writer at BusinessWeek where she authored the Street Wise column online and contributed to the magazine's Inside Wall Street column. Topics covered included economics, corporate finance, Fed policy, municipal bonds, mutual funds and dividend investing. She co-authored King of Capital, a biography of Citigroup Chairman Sandy Weill. She is a graduate of Yale University and Columbia University's Graduate School of Journalism.
Write to Amey at email@example.com


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Teeannah Camilleri
Property Manager
About Me
Teeannah has worked with our company for 3 years. She has an excellent eye for detail and is very thorough in all aspects of property management from assessing tenant applications to carrying out periodic property inspections.
Her entire focus is ensuring our landlords property is maintained to the highest standard possible and maintenance is attended to in a prompt and timely manner to ensure the highest return on their investment.
If you'd like to discuss your property with Teeannah at any time, please give her a call. You'll find her very friendly and very helpful.
Specialist in Residential Property Management in
• Seven Hills
• Lalor Park
• Toongabbie
• Blacktown
• Prospect
• Kings Langley
• Kings Park
Proud supporter of

subset: commoncrawl


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ED Magedson – Founder
Ripoff Report
National Credit Solutions, LLCPO Box 15779 Oklahoma City, Oklahoma United States of America
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
National Credit Solutions filing a false credit report causing our credit score to drop. Charging interest on a debt that is not owed. Never receiving a statement for 9 years from Sage Telecom. The alleged debt was sold to NCS, LLC.
Patty, Hot Springs, AR
This report was posted on Ripoff Report on 10/04/2010 12:19 PM and is a permanent record located here: http://www.ripoffreport.com/reports/national-credit-solutions-llc/oklahoma-city-oklahoma-73115-0779/national-credit-solutions-llc-sage-telecom-unauthorized-service-from-sage-telecom-the-u-647442. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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text: Eco-design for Buildings and Neighbourhoods by Bruno Peuportier 2015 | ISBN: 1138027952 | English | 300 pages | PDF | 7 MB A growing number of urban inhabitants are aware of pressing environmental concerns. This book aims to provide information about relevant environmental quality criteria in urban construction settings, before methods are proposed for assessing these criteria. These will be extremely helpful to eco-building designs, commencing from the very early stages of a project (site selection, program, architectural designs) to the detailed design, construction and management of buildings. The book covers eco-technologies in the field of energy and water conservation, renewable energy, waste management and environmentally-friendly materials, but does not lose sight of comfort and health aspects. Buy Premium From My Links To Get Resumable Support,Max Speed & Support Me Code: Download ( NitroFlare ) http://nitroflare.com/view/B4F0491FECCE8CD/hv2rb.E.f.B.a.N.rar Oboom https://www.xxxxxxxx/DBXXT83H/hv2rb.E.f.B.a.N.rar


text:
Carey32's Shopping Info
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Items that Carey32 added to their wish list for future purchase or to share with others.
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Items Carey32 marked as favorites from the Scrapbook.com Superstore.
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SuNoFES is short for the Summer Novel Festival, an online game jam focused on adventure, interactive fiction, role-playing game, and visual novels. Starts July 1st, ends August 31st, annually. Feel free to start working before the festival begins. No one is required to start their work from scratch unless they want to. If you have any unfinished projects in mind, you're invited to use this festival for completing it. SuNoFES has no judging or prizes - the only rewards are those that come from the challenge and camaraderie with others.
If you want to be more organized, try out the design document: https://www.dropbox.com/s/dwcsf346o95ymhp/BlankDesignDocument.docx?dl=0
Have fun and enjoy the rest of the summer!
Homepage: http://www.sunofes.org/


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MEGAN Fox isn't the first screen siren to show off her undies in the name of
art — and she definitely won't be the last.
The 26-year-old hottie can be
seen in her smalls in new Judd Apatow flick This Is 40 – a spin-off of
Knocked Up.
And even if a film is far from Oscar worthy, it always helps if there's a
promise of the ladies flashing a bit of flesh – just ask Elizabeth Berkley
in Striptease.
Some of the acting may be highly questionable in the following best
silver-screen strips, but the elbow grease really does deserve a bra-vo.
Megan Fox: This Is 40
The Fox strips down to her lady garments for her cameo in the upcoming comedy
– and doesn't she Transform nicely?
Scarlett Johansson: Match Point
If there's one role Scar-Jo plays well it's the hot leading lady.
And in 2005 she looked smoking – even if she was wearing her granny's old bra.
Halle Berry: Swordfish
The 2001 flick may not have gone down in the history of legendary
entertainment but Halle looks just g-unbelievable on screen.
Britney Spears: Crossroads
The 2002 teen flick bombed at the box office – but on the bright side, it did
get a lot more dads taking their kids to the cinema – albeit to see Brit in
her bra.
Elizabeth Berkley: Showgirls
Fans of Saved By The Bell were in for the shock of their lives when they saw
Jessie Spano strip in the 1995 soft porn flick.
And at least Screech didn't make a cameo.
Salma Hayek: From Dusk Till Dawn
Only Salma could pull off wearing a peacock on her head and a snake scarf in
the 1996 action thriller.
And she looked hip-notising.
Sienna Miller: Layer Cake
Miller went from hippie to hot chic in the 2004 film where she sheds her
Layers of clothes for Daniel Craig.
Demi Moore: Striptease
In 1996, Demi proved that less is definitely Moore in the infamously-bad
Although it won several awards for worst picture, Ashton Kutcher's ex looked
amazing – even in those horrific ABBA boots.
Mila Kunis: Friends With Benefits
Mila starred alongside Justin Timberlake in the 2011 rom-com with the most
obvious plot line. Ever.
But although JT didn't score with the leading lady, a certain Mr Kutcher did –
and appeared in a near-on identical film…
Natalie Portman: No Strings Attached
Jumping on the chick-click bandwagon – and Mila's current man Ashton Kutcher –
was Natalie Portman in 2011.
The actors should have swapped leading ladies to make things easier for
Kristen Stewart: Twilight Breaking Dawn
Before she was public enemy No1, Kristen peeled off with her then-boyfriend
and co-star R-Patz for the epic movie franchise.
And she looks bleeding good in a bra.
Kelly Brook: Keith Lemon: The Film
She may have starred in humdinger flops Three and Piranha 3D, but we've got
new hope for her role in Lemon's debut film.
Or you could just watch her on mute.
Denise Richards: Wild Things
Denise showed off her animal side in the 1998 trashy threesome thriller
alongside Neve Campbell and Matt Dillon.
And she lost her innocent Sheen.
Jennifer Aniston: Horrible Bosses
The actress played a sex-crazed dentist in the 2011 comedy and won an award
for best On-Screen Dirtbag.
And we always thought she was so Friendly.


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Haydel and Muggah
It is the year 2015 and I am still busy researching. With constant communication on 23andme, Gedmatch.com, Ancestry.com and Facebook, it appears I am neglecting my blog.
This past month I have posted that Ambroise Heidel is my 7th great grandfather. Vilmont Schexnayder's 3rd great grandfather.The Whitney Plantation, originally known as Habitation Haydel, is located less than an hour from New Orleans, on the historic River Road in Wallace, Louisiana. Ambroise Heidel (1702-ca.1770), the founder of this plantation, emigrated from Germany to Louisiana with his mother and siblings in 1721. The plantation has been in the news lately due to the museum has been remodeled to make slavery the central focus.
I am also taking the time to read books in my busy schedule. I am reading at this time a book call Bouki Fait Gombo: A History of the Slave Community of Habitation Haydel (Whitney Plantation) Louisiana, 1750-1860 by Ibrahima Seck. The book mentions the Haydels, Schexnayders and the Roussels. If you recalled from earlier postings the Roussels were the last slave holder of Vilmont Schexnayder.
This past January, I finally verified my lineage to James Milne Muggah Sr. Born about 1785 in Facteabers in Barissehore, Scotland and moved to Patterson Louisiana. A direct descendant of James Milne Muggah's granddaughter Margaret Mackey Muggah, also did his DNA testing through 23andme. My new found cousins were gracious enough to share a picture of the homestead and the picture of Jame Milne Muggah Jr. It has been a great to find my European lineage with extended roots, but I still feel compel to find which son of James Sr. is my direct lineage and still have Arabella's parents to find. At least I have Arabella's name, unlike Vilmont's mother.
Yvette Schexnayder Calloway
On July 19, 2014 I attended the Schexnayder Family Reunion held in Houston, Texas. We were bless to have present my oldest living Schexnayder ancestor Yvette Schexnayder Calloway, she is 93 years young. She was escorted by her son Alfred Calloway. She was honored with a beautiful bouquet, love and admiration from everybody in the room. Yvette was born in Patterson, Louisiana. Her parents McClennan Schexnayder Jr, and Sybil Chapman. She married Clarence Coleman Calloway around 1940. She had four sons and one daughter. She also had the honored several years ago by the city of Houston, by naming a park after her in the South MacGregor area. Stated by Jennifer Friedberg, "Calloway earned the honor by serving as a precinct judge, civic club leader and organizer of a MacGregor cleanup crew. Yvette worked to keep the South MacGregor neighborhood clean, beautiful and safe, ensuring that South MacGregor be re-engineered to prevent cars from running into homes or the bayou," stated by TIRZ board chair Zinetta Burney. Calling in via cellphone, U.S. Rep. Sheila Jackson Lee, D-Houston, thanked Calloway and her family."They're an institution," she said. She cited Calloway's "feistiness" and said she "is deserving of the admiration, respect and commendation of Congress. She is a jewel of Texas."


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Privileged to feature a recent interview with Peter Greer. Peter is president and CEO of HOPE International, a global nonprofit focused on Christ-centered job creation, savings mobilization, and financial training. He is also the author of the new book The Spiritual Danger of Doing Good. You can hear Peter speaking in a lab session at the Catalyst conference in Atlanta October 2-4, 2013. Bill: Can you tell me a little bit about HOPE International, a brief version about what you do for those w … [Read more...]
The Spiritual Danger of Doing Good: Interview with Peter Greer of HOPE International
What Does the Bible Teach about Drinking Alcohol?
This is a guest post from my friend, Dr. P. Andrew Sandlin, President of the Center for Cultural Leadership. This post is a response to a friend of his who asked the question, "What does the Bible teach about drinking alcohol?" I thought there might be others who struggle with this question on their faith walk. You can purchase his latest book here: Christian Culture: An Introduction. Follow his blog here. Hello Andrew. I know you're not running an advice column, but I was hoping you could hel … [Read more...]
How Is Your Relationship with God?
How is your relationship with God?Have you ever been asked this question? Maybe you've asked the question of others.How should it be answered? Is there a right or wrong way?I recently heard Randy Pope, author of Insourcing: Bringing Discipleship Back to the Local Church (Leadership Network Innovation Series) share an account of how he has often posed the question, "How is your relationship with God?" to men in his discipleship groups. He often gets answers such as, "Well, I've been t … [Read more...]
Why I Left Your Seeker-Friendly Church
It's not you. It's me. That's why I left your seeker-friendly church.At least that's what I'm telling everyone. Just to be polite.I know I should just be honest, being a Christian and all, but I'd rather not feel like an evangelical outcast if I can help it. It's bad enough that I haven't renewed my subscription to Christianity Today (If we could just keep that between us, I'd appreciate it).But truth be told, I just don't get what this seeker-friendly church stuff is all about. … [Read more...]
The Isolationist Immigration Gospel of the Evangelical Immigration Table
Although I have great respect for many of the evangelical leaders who signed on to the original letter from the Evangelical Immigration Table, I have a few problems with how the evangelical label is being exploited for political gain. You can read some of my thoughts on that here.I had some hopes that we might actually see meaningful immigration reform early on in the process. [ See my post Immigration 2.0: I Want to Believe! ]I still haven't given up hope, but I am far more aligned with … [Read more...]
Why Christian Culture Is Unthinkable in the Western World
This is a guest post from my friend, Dr. P. Andrew Sandlin, President of the Center for Cultural Leadership. This post is an excerpt from his brief but transformational new book Christian Culture: An Introduction. It is essential reading to understand "what Christian culture was, how we lost it, the high price we've paid for losing it, and what we can do to create a new Christian culture." Follow his blog here. Today we live in a radically secular culture.Secularization does not mean that … [Read more...]
Did George Soros Enlist Evangelical Leaders on the "Gang of 8" Immigration Bill (S. 744)?
It's an odd pairing, I admit. George Soros and Evangelical Christian leaders. There can be little doubt that the Soros agenda and that of most Christians -- even most people -- is radically different.So why are some claiming that Soros actually enlisted the help of Evangelical leaders to try to push the immigration bill (S. 744) now before the Senate? Did he?The answer is yes. And no.Yes, Soros is funding the the ad campaign for the group claiming to represent 170 Evangelical … [Read more...]
Evangelicals for Biblical Immigration — But Not for the Gang of 8 Bill (S. 744)
This open letter to Congress comes from Kelly Monroe Kullberg, founder of The Veritas Forum, editor and co-author of the award-winning book, Finding God at Harvard: Spiritual Journeys of Thinking Christians and A Faith and Culture Devotional. She is co-founder and acting president of Christians for A Sustainable Economy (case4America.org) and Senior Fellow at the Acton Institute. To sign this letter or pick up this conversation visit on Facebook and the web: Evangelicals for Biblical Immigr … [Read more...]


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What are the killing sree medals?
16,683pages onAdd New Page
this wiki
this wiki
In Halo 3: (these are definitely correct)
Killing Spree, Killing Frenzy, Running Riot, Rampage, Untouchable, Invincible
In Halo 2: (I think these are correct)
Killing Spree, Running Riot, Overkill, Rampage, Untouchable Also an Halo 2, between 20 and 30 kills in a row, the announcer will say "Un-Freakin'-Believeable!" Though this is for entertainment only and no medals are awarded.


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text: Model traceabilityNeta Aizenbud-Reshef, Brian T. Nolan, Julia Rubin, Yael Shaham-GafniIBM Systems Journal2006Traceability relationships help stakeholders understand the many associations and dependencies that exist among software artifacts created during a software development project. The extent of traceability practice is viewed as a measure of system quality and process maturity and is mandated by many standards. This paper introduces model traceability,… (More)


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text: Albion New Era (Newspaper) - July 10, 1884, Albion, Indiana Tiro DOLLPlRS YE:ií "Zle-w to tlxa XAn-e; X^et tlie Clxlps Fall "wlxere tlxe3?' May/ ^ VOL. XII NO. 42.ALBION, NOBLE COUNTY, INDIANA, JULY io, 1884. NEW SERIES. VOL. IX NO. 29. AUDITOR'S ANNUAL REPORT. For th« Fiteal Year ending May 31,1884. To THE HONOBABLE BOARD OF CoMMISSIOJi-KBO OF NOBLE COUATV, INI>iaxa: The undenigi^ Auditor of said County respectfully submits ills annual report of Keceipts and Bxmnditures of said county, for tiie fiscal year eaoiag May 31, 1S84, as follows: KECEIPTS. Amount on hand June l, 1883........$18,374.49. Amount County Funds received, Dec. settlement, 1883 ...................... 11,672.05. Amount Bridge Funds received, Dec. settlement, 1883....................... 7,881.18. Amount C!ouuty Funds received, May setttement, 1884....................... I2,529.ei. Amount Bridge Funds received, May settlement, 1884 ....................... 9,991.59. Amount received from bandsn>en,Meu- denhall, ex-county treasurer......... 2,028.39. Amount received from County liiflriii- ary for sale of wool.................. 121.90. Amount received from County Inflriu- ary for sale of steer.................. Amount received from County Inlirni- ary for sale of sheep.................. Amount received from County Intirni- ary for sale of seed................... Amount received from DeKalb county, change of venue...................... 129.50. Aint rec'd from Ditch Tax collected., i.ttvi.tti. " " " Jury Fees............ " Costs in selling school Jots, Home............................ Am't rec'd from excess in purchase of school lots, Rome..................... " " " County Officer Fees refunded.............................. Ani't rec'd from Erroneous Tax Onler " " " Sale of goods returned by Coroner ........................... Am't rec'd from Land Kedeniutioii.... " " " Erroneous Tax returned to County Fund.............. Am't rec'd fn)ni publishing DeUn-quent List. 1882 and 1883.............. 173,20. 40.75. 100.00. 3.00. ,51.06. 50.81. 23.17 10.00. 1.08. 4.78. 45.00. 1,800.95. Total C<o. Fund rec'd up to May 31, ikki, ¡sc6,14«.37. " " " exp'd " " " 4.8,074.40. Balance Co. Fund on hand,June 1,1884, S18.07i.9l. Outstanding County Bonds............Sio.ooo.oo. EXPENDITUKES. On Account of Poor....................S2,G!H.0l. " " " Jurors..................................2,89,3.47. " Insanity............................1,12H.C9. " Public Buildings.... 1,838.70. " " County Inflrmarj'.... 3,890.79. " " Stationery......................2,618.31. " Puljlic Prmting............aw.22. " Criminals........................1,234,56. " " " Assessors........................1,90,5.00. " Koads................................382.a5. " " " liKiuests..........................178.;». " " " County Physicians.. 553.7,5. " " " Fox....................................a5.oo. " " " Specific Allowances. 2,0C2..51. " " " Comity Officers............6,.577..'>4. " Ditclies............................2,821.22. ......Bailiffs ............................358.90. Board of Health..........200.00. " " " Land Redemption... 31.31. " " " Benevol't lust'tions. 317.28. " " " Change of Venue... 470.05, " " Bridge............................7,897,30. " " " Enumeration................187..50. " " " Returning Fines..........10.00. " •' " Cin'ult Court Rep't'r 80.00. " " " Elections ........................2.5.00. " Fuel....................................126.79. " " " State, State House, and Scbool refunded....................................708.31. On Aceoont of Interest on Bonds.... OttJ.OO. " " Woodchucks..................2010.90. " " County Institutes.... .50.00. " " " County Bouds..............3,2C."»,00. Total Expenditures..................«>48,074.40. Very Resp'y, Cobneliu.s B. i'hibuvs, Auditor Noble County, Indiana. Examined and approved by us g. w. Mummekt, 1 William C. Davi.s, vcommissioners. Manias H. Kimmkll, S ANNOUNCEMENTS. Town. Ord.iaa.a.n.ce 3iTo. 23. in Relation to Shooting or Firing Fike-cuackess, Toy Pistoi^, or any othkk FIBEWORKS. Sec. 1. Be It ordained by the Board of Trus-tess of the incorporate town of Albion, in Noble county, Indiana, that it shall be unlawful for any person to shoot, ienite, or otherwise fire any firecracker, toy-pist<H, sky-rocket, or any other fireworks, in any street, alley or other publ't place within said town. 1 Pbovided, however, that the provision of this ordinance shall not apply to the Fourth of July of each year. Sec. 2. Any person violating anv of the provisions of this ordinance shall be fined in any sum not less than two nor more than ten dollars. Sec 3. Whereas, an emergency exists for the immediate taking effect of this act, therefore it shall be in force from and after its passage. Passed and approved by the Board this 26th day of June, 1884. c. M. PICKETT, President Pro. Tem. attest: JOHN BAUGHMAN, Clerk. Towja. OreHaaaace iTo. 30. To Restrain Sheep from Running at Large. Sec. 1. Be It ordained by the Board of Trustees of the incorporate town of Albion, in Noble county, Indiana, that no person being the owner of auy sheep shall permit the same to run at large within the incorporate limits of said town. Sec. 2. Any person violating any of the provisions of this ordinance shall, upon conviction, be fined in any sum not exceeding ten dollars f(H' etudi offense. Sec. 3. An emergency exists for the passage of this ordinaace. therefore thesame shall be in force from and after its publication. Passed and approved by the Board this 26th day of June, 1884. C. M. PICKETT. President, Pro. Tem. attest: JOHN BAUGHMAN. ¿lerk. A<inniTi.1 wtrsttor^s IbTotice. NOTICE Is hereby given that the undersigned has been appointed administrator with the will annexed, of the estate of John Bethke. late of Noble County, Indiana, deceased. Said estate is supposed to be solvent. June 25,1884. WILLIAM WITHERS, 28w3 Aidministrator with will annexed. BLAINE and LOGAN! '84. '84. AGENTS WANTED. AGENTS WANTED For the only |»nuine PICTORIAL Biograi>hies of the BepubUcan Candidates for President and Vioe-Paesldent. Authentic and exhaustive in FACT, pnrfUM and artistic in illustration, con-■eieatloiis. forcible and brilliant in autliorahip. The STANDARD Campaign History. AUTHORIZED. Bleh in matter, but LOW IN PRICE-92. The Agents'harvest. Send 60 cents for outfit. Mid Oitf BPBCLAL practical instructions in the best methods of seUing it. SUCCESS and LABOR PBOFITS ensured. ACT AT ONCE. Hm Campaign win be short, but brilliant and profltable to agents. Address N. D. THOMPSON & CO., PubH-shers, St. I/ml»,Mo., or New York Cily. ENERSOl EKRSOl CHEISOI treasurer. We are authorized to announce the name of Tliomas E. Csisey, of Perry township, as a candidate for county Treasurer, subject to the decision of the republican nominating convention of Noble county. WAWAKA LOCALS. BT ü-NO-Xt. Wonder if he didn't? The hay crop was large. The cherry trade is good. George lost his ham mysterously. Ad. Conrad lost a horse in harvest. Dr. Seymour spent the Fourth in Fort Wayne. The wheat is about all cut in this neighborhood. The Springfield "Gray Eagle" laid down and died. Aleck Piatt, of Trufant, Michigan, is in this vicinity. The Fourth passed off very quietly in our town—not even a dog tight Zeke Nowells, of LaGrange, was perambulating on our streets one day last week. Some of om- soldier boys have been already mustered into tiie G. A. R. Post at Ligonier. John Jones took in the Fourth, but a great many surmised that the Fourth took him in. Blaine and Logan are bound to get there, Eli. Let 'em trot out their best timber. Shoo fly. A great many took advantage of the railroad rates on the Fourth, and came and went for one fare. There are a few females in our town who want to be called pet names just as though they were pretty. Mummert's saw-mill is shut down and will probably remain shut down until after the big doings at Rome City. Everybody ought to know by this time that Jim Piatt is a"hoss-trader." If not it is their own fault This thing of making a fair and square trade and then turning around and squealing is what you might call boys' play. Mrs. Sognfrey died very suddenly on Wednesday night of last week The deceased lived in Toledo, Ohio, and had been here about one week visiting relatives. She was buried in the Springfield cemetery on Friday, the 4th inst Bleeding of the lungs was tbe cause of her death. 1IIO& L N. TAYLOR, Sole Agent, 10 E. Benry Si, Fort Wayne, Ind. npr^Send six cents for postage, and re-- ceive free a costly box of goods which will help an of either sex, to more I A money ria^t v 'than anyining i iBflito world. Fortnnes await the workers ab Sto^rog^ At onee address True & ^^ VIOLA NOTES. BY VIDOC. Viola was a failure this time. Andy Whetsel is building a barn. J. W. McWilliams is back again. Mr. Barhanfof Jefferson, has gone to Ohio. Allie Wilbert and Alma Easterday were at this place recently. Frank Arehart and William Earle have completed the wall for Mr. En-gle's new house. Col. Gregg and Milt Fulk have returned home from their somewhat protracted ramblings. A very large amount of clover hay was made during the past week in this neck o'the wooda Charles Stanley has become tired of single life and took unto himself a wife. Congratulations. Messrs. Clemmens & Owen's will build the new school house to be erected at this place this summer. Harvest time is here and help is eagerly sought for, while the festive tramp is gone, not to rettim for at least two weeka OUR WISCONSIN LETTER. Bzoursioa to the Penitentiary. There will be a low rate excursion to Michigan City over the Lake Shore road on Thursday, July 24, 1884, which will include a visit to the prison, a steamboat ride on Lake Michigan, &C., all for the same fare. A prize of $20 to the lady first climbing to the top of "Hoosier Slide." Fare for round trip and time of train are as follows: Kendallville, 7:00 a. m.; fare, $3.00; Brimfield, 7:20; fare, $2.80; Wawaka, 7:35; fare, $2.75; Ligonier, 7:50; fare, $2.60. Shall a Cough Carry You Off ? "Exactly. You're right It is mercy that there's a dozen pounds left of me. But the greatest mercy of all is that before I i^ually coughed myself out of existence I got hold of Parker's Tonic, and a few bottles of it cured me." In this positive strain writes Mr. Abraham Oraer, of Highspire, Dauphin Ga, Pa. The Tonic will render yon the same service. It is an original c(»nponnd of powerful cnratiye^ It stimolatei^ warms, soothes and tones np the eyn-tem. Special Correspondence New Era. North Freedom,Wis., July 4,1884. Ed. New Era.—I believe I will venture once more to reach my friends through the columns of your valuable paper if you will permit me to do so. By the way, if any of your readers think they do not get the worth of the money they pay for The Era, let them go from home and among strangers and do without it one week —^just one—and they will know its value. But do you know that I feel as proud as a boy with a pair of new boots with red tops and copper toes when I hear friends praise The Era, and compare it with tiieir own county papers, which, by the way, are good, but The Era, I think, far better. We spent the. greater portion of last week in Madison, the capitol of the state. When we stopped there on our way out, we were tired, and not feeling very well did not see as much of the city as I desired, and resolued to pay it another visit on our way home. But as it cleared up so cool and pleasant after the thunder and rain of Monday, we thought we could not find a better time, and as we had no chickens to feed, no cows to milk or pigs to slop, to resolve was to do. Soon the morning of June 25, we were away as fast as the iron horse cound draw us, and in little less than two hours we were in the capitol city of Wisconsin—a city of about 12,500. Small, it is true, but one of the most picturesque and lovely in the west. madison is built on a peninsula between lakes Mendota on the northeast and Meno-na on the southwest, two as beautiful bodies of water as can be found on the continent The peninsula was originally covered with a very dense growth of timber, and as only just enough has been removed to give room for the streets and buildings, the city has the appearance of a "Fairy city' in a native wood." The capitol is built in a beautiful grove containing 14 acres and 7 rods, enclosed with a good, substantial iron fence, and having numerous shady walks and cool, sparkling fountains. Tha capitol is of white sandstone, is 258^ feet from east to west, 3011 feet from north to south, and 2221 ft high from basement pavement to the eagle perched on top of dome. A spiral stair winds from basement to dome 208 ft. in height, from which a splendid view of the city and surrounding country is had. From this height is seen the state farm and University buildings, the Insane Asylum, the Soldiers'Orphans' Home, the Cemetery,the lakes,and rich valleys covered with bountiful crops of wheat, rye, oats, corn, and barley waving in the summer breeze. In the halls of the capitol on the east of the rotunda, and looking to the east, perched with half-spread pinions and with arched neck, is "Old Abe," the dead war eagle of the 8th Wisconsin Regiment In the glass case in which is preserved the remains of this "old hero of the war,"—the most noted bird of his species—is this inscription: "Old Abe, the war eagle, hatched Feb., 1861. Died March 28, 1881." The historical room contains many rare and curious thing8,but I cannot enumerate, much less describe them. I will, however, simply mention the "color room," in which are stored the battle-flags of the Wisconsin volunteers. The most noted of them is that of the 6th from which every star has been shot away! But why should I attempt to describe these battle-scarred, smoke-begrimmed old flags ? Their history is the history of our whole united country. Each one was borne by gallant hands, and many are yet stained by the life-blood of the brave boys that gave their lives that we might enjoy the blessings of a free, united people, cemented by i|he blood of our soldier boys on more than a hundred battle fields! It is just a month this morning since I left home, and during that time I have constantly mingled with the people of the state from the governor and state officers to the farmer, the mechanic, the tradesman and the day laborer, and I must say that in all my life I have never seen so quiet, so orderly, so contented a people. The contrast is so striking between the people of all classes in this state and those of Ohio, Indiana, Illinois, Iowa, Nebrfiska and Kansas. In each of the latter there is that everlasting 8cx;^tmble, and rush, and hurry, and jolting foi^ place, and power, and wealth—no time for rest, or enjoyment, or pleasure, or quiet thought The merchant ro^es past you like a wedtem cydone, as though his wlude future huiig on the sim^e fact of his reaching er failing to reach the corner of the next block in the shortest time possible. The mechanic must complete his task to-day so as to be ready for a still harder one to-morrow. The farmer must plow his corn today, cut his grass to-morrow,and commence harvesting his wheat the day after, and so the rush goes on from year to year. No time for rest, or recreation or pleasure, and at 40, when they should be in the prime of life and manhood, they suddenly awake to the fact that they are old, decrepid, broken-down men, unable to enjoy the common comforts of life, and after a few more years of fitful, feverish strife, they sink into a premature grave, thankful that they can there find rest at last. But here you see nothing of this hurry, and rush, and scramble. Men seem to live to enjoy life. They have plenty of time to visit, to rest, and for recreation and social comfort. But this is as far from the lazy shift-lessness, the "don't give a damn" indifference of the South, as it is from the restlessness of the states I have named. There is no carelessness or indifference about it; it is rather a confidence, born of self-reliance, and a perfect, conscious, innate strength —the determination to conquer every difficulty that gave the "Old Iron Brigade" its immortal distinction in an army composed of 200,000 heroes! the cemi.tery. Until my first visit to the cemetery, the only objection I could see to the city was its beauty, but I find that Yankee ingenuity, German patience and ^Jgality, combined with Irish wit have overcome even this, and have made this consecrated spot so quiet, so peaceful and yet so beautiful that even the dwellers of the "City of the Lakes" may not be unwilling to become citizens of the more beautiful "City of^the Dead." On the east side of the cemetery and overlooking Lake Menona—something more than a mile away—is the spot of most interest to th« stranger. It is the last resting place of 210 of Wisconsin's dead heroes. Enclosed by a neat, iron fence is a grassy plot including about two acres, in which are buried those Wisconsin troops who died of wounds, or disease, at Camp Johnson. Each grave is marked by a white, marble slab, on which is engraved the name, regiment and date of death of the hero. On each of the 210 headstones were yet remaining the wreaths of flowers and laurel entwined by, and placed upon by, the little loving hands of the children of the Soldiers' Orphans' Home on Decoration Day. The flowers have withered and faded—the laurel has been changed by sun, and rain, and dew, from its bright green to sombre brown, but the memory of their noble deeds shall never fade. iREMOmiP "They sleep their last sleep ; They have fought their last battle; No sound shall awake them to glory again.' Though their names may never be enrolled on the pages of their country's history, yet the memory of their noble deeds shall remain graven on the hearts of a grateful people. "By fairy hands their knell is riuig: By forms unseen their dirge is sung?' "We tell thy doom without a sigh. For thou art Freedom's now, and Fame's; Among the tew, the immortal names. That were not born to die." Nathan Niles. I will move my stock of Hardware into the room in Clapp's Block of BM ol Ml, Let all my old Customers and others remember the place and give me a call. J, D. BEie/Gh^lie/. An End to Bone Scraping. Edward Shepherd, of Harrisburg, 111., says: "Have received so much benefit from Electric Bitters, I feel it my duty to let suffering humanity know it Have had a running sore on my leg for eight years; my doctor told me I would have to have the bone scraped or leg amputated, used, instead, three bottles of Electric Bitters and seven boxes of Bucklen's Arnica Salve and my leg is now sound and well." Electric Bitters are sold at 50c a bottle and Bucklen's Arnica Salve at 25c per box by Huston & Molen. Bucklen's Arnica Salve. The Best Sai-ve in the world for Cuts, Bruises, Sores, Ulcers, Salt Rheum, Fever Sores, Tetter, Chapped Hands, Chilblains, Corns, and all Skin Eruptions, and positively cures Piles, or no pay required. It is guaranteed to give perfect satisfaction, or money refunded. Price 25 cents per box. For sale by Huston & Molen. —Since it has been whispered around that Albion will have a circus early in the season, all the country lasses are visiting Russell's "Fair" (at the old stand of Ferris & Copper,^ to purchase Hats Humes, Tips and Flowers, where tJiey are treated with the same courtesy as city dames. Please don't fcnrget the 5 and 10 cent connters. 23t| —Highest price in cash for' poultry at Green's butcher shop. —Green, the butcher, pays the highest market price for calves. 17tf Lost. On Monday morning, June 23, 1884, in Albion, an open-faced, gold watch, which contains my monogram on the inside case. Any one returning the same to me, ?»t Albion, Ind., will be liberally rewarded. Al. E. Haney. Homes Wajited. There are in the county infirmary three bright, intelligent children—boys— for whom the County Board is desirous of securine; good homes. Applications can be made to J, H. Sinorky, 27tf. Superintendent Co. Infirmary. L. W. WELKER, ATTORNEY-AT-LAW and NOTARY PUBLIC, Albion, Indiana. SS^Office up stairs m Clapp's Bl0v;li. fielding PRICKETT,Attorney-at-Law i Albion, Indiana. Office on York Street, directly West of Court House lyl THOS. B. felkner, Attorney-at-JLaw, Albion, Indiana. 0£flc» %a.p etailxs laa. Tolua. S. Sl&clc's aSLO-wr Sloc3c. 22ti D R. PICKETT. HOMEOPATHIC PHYSICIAN, Special attention given to chronic dise.-vses and diseases of women and children. Office on Main street, 3d Door East of Bank, Albion, Indiana. 27yl A, «Ainrs,DENTISTLigonier, Ind. ëT'Filling Tekth a Spscialtv. ^ILLIAM T. GREEN, M. D-!li;sii!iaii kim, ^"Office over Huston & Molen's store. ALBION,.................INDIANAWOie^DEI^ I^OST ivo. «. A. B. Begular meetings second and fourth Saturdays in each mouth. D. A. SCHAFF, COM. S. K. EASTEKDAY, ADJ'T. WM. TRUMl', Quaktekmastek.JVORTH STAR LODGE, No. 380, ^/fjjUjl^ ALBION, INDIANA. Regular meetings every Tuesday evening. £. L. Teeoarden, N. G. J. CocKLEY, Sec'y. Teetli.! Teetlx 1 . GEORGE E. JOHNSON. BUBGEONDENTIST ! Albion, indiaD». Special attention fciven to both Surgical and Thkbapuktical treatment of all dlseses of the mouth and associate parts. Office, East Main Street. 2yl-^^^ILLIAMS SZOUSE. Albion, Indiana, RICHARD WILLIAMS^ PropW. Livery & Feed-Stable. CARRIAGES FOii BUSINESS OK TLEASURE; SAMPLE WAGONS FOK COMMERCIAL MEN, AND GENTLE TEAMS FOR LADIES. This House is entirely now—is of briclc. and Is completely fumianed throughout. Good Sample nooms for commercial men. !Ksir, South or Covkt Hovn. T7n7lyTERMS REASONABLE! Barn on Jefferson St., North of Court House, -1 ALBION, IND EID. 3?rop'r. 0000000000000000000000000(K)0000000000000 O * R-E-M-E-M-B-E-R * THEMe U; W -] AT [- ALBION, IND'A, Commencing July 28, '84, and Continuing Six Weeks. TvLitloaa^ $5.00. I Special attention given to the use of > of Ai>i)nrat»m, Methods of Teaching and 5 Discipline. Several hundred si)ecnnens ^ will use to Illustrate our work. 5 For further particulars address I). D. LUKE, > 27-tf "" W. r. DENNY. 5 ! i :! :! ;! :i ; ii i '! !! ii ii it li s 1 iooooooo00000000000000000000 Warren Leland,' v'bom everybody knows as the suoccssfnl inauagorof theLargest Hotel Enterprises of America, says that while a passenger from New York on board a ship going around Capo Horn, in tbo early days of emigration to California, be learned that one of the officers of the Toasel had cured himself, during the voy-ago, of au obstloate disease by the use ofAyer s Sarsaparilla. Slnoe than Mr. Lbx^akd has recommended Atbr's Sabsapabilla in mauy similar eases, and b« has never yet heard of Its foil-lire to effeot a radical enre. Some yean ago one (tf Mr. LsiavD's teini laborers braised his leg. Owing to the bad state of his blood, an ugly scrofalous swelling or lamp appeared on the injored limb. Hop> rible itching of the skin, with baraing and darting pains through the lamp, made lite almost intolerable. The leg beeame enor-nionsly enlarged, and running nleets tonued, discharging great quantities of extremely offensive matter. Vo treatment was of any avail antU the man, by Mr. Laiajro's direo-tlon, was supplied with ArsB's Sabsapa-siLLA, which allayed the pain and trritatlosi, healed the sores, removed the swelling, aod eompletdy restored the limb to om. Mr. IiKT.ATio baa petaooally usedAyers Sarsaparilla for Rhenmatlsm, with entire sneeess; and, after careful observation, declare« that, in his belief, there is no medicine in the world equal to it for the euro of lilver Disorders* Gout, the eiTects of high living. Salt Rheum, Sores, Eraptlons, and all the various forms of blood diseases. We have Mr. Leland'8 permission to invit* all who may desire further evidenee In regard to the extraordinary curative powers oC Ay£u's Sausapabilla to see him person* ally either at his mammoth Ocean Hotel, Long Branch, or at th« popular Leland Uotel, Broadway, Z7th and 28th StieeU, New York. Sir. Lsla2H>*s eztenslTe knowledge of tho good done by this nmqullod emdlCBtorof blood poisons enables him to give ioaoina mneli valuable informatk». pbkpabbd wr Dr. J.C. AyepA Co., Lowell, Mitt. ^ f • V: r. ' 'J ;


text:
Sounds like a Kel-Tec p3at to me. Anyone else?
This is a discussion on Pocket Carry Gun?? within the Defensive Carry Guns forums, part of the Defensive Carry Discussions category; I am looking for a small pistol that i could put in a pocket holster for carry in the summer time that would go in ...
I am looking for a small pistol that i could put in a pocket holster for carry in the summer time that would go in a pair of gym shorts pocket or something similiar that a belt will not be on... so it has to be something light and small to fit and not drag the shorts to the ground.. any ideas
Sounds like a Kel-Tec p3at to me. Anyone else?
"If you so much as bunny hop I'll cut your heart out!" Billy Bob Thornton in The Last Real Cowboys
"I carry a gun for the same reason that I carry health insurance and a cell phone - be prepared."
I dealt with the same thing last summer. After buying a Kahr P9 , I decided that it was too big and got a P3AT. I am very happy with it.
I'm married to my Kahr.
The Kel-Tec P-32 & P3AT a good choices. They're both about a 1/2 lb (Unloaded). Of the 2, I'd opt for the .380.
I know I've always said that balistically, the .32, .380, & .38 (Out of a sub-2" barrel) are pretty close, the 2 Kel-Tec's are pretty close in size & weight, too.
The two Seecamp's are very nice, too.
Here's their approximate weight empty/loaded: Kel-Tec P-32=7.8/10.0 oz.
P-3AT=8.3/11.0 oz. Seecamp LWS32=11.5/13.0 oz. LWS38=11.5/14.0 oz.
The Kel-Tec's are less expensive & feel like it. They also have polymere frames, which could be better for the summer. The Seecamp are very nicely built SS.
The NAA's are nice too, but they weight more.
If Kalifornia allowed it, I'd have a P-3AT.
Good luck!
"Use human means as though divine ones didn't exist, and divine means as though there were no human ones." Baltasar Gracian
Integrated Close Combat
NRA Member
Glock 19 & 26, Kahr CM9 & P45, Para P12, Kel-Tec P-32, S&W 442, & Dan Wesson 14-2.
My advice is don't go the small pocket gun route! I would slightly change the way I dress and carry a larger gun. I regularly wear short pants in the summer with a belt and looses T shirt. That easily allows me to carry a Glock 26 IWB. Thats a lot more gun and capacity than any .32 or .380 pocket gun. I'm also very active, hiking, riding a bike etc. and the G26 is never a problem. I like to consider "what is the bigest gun I can carry if I ever needit in a gunfight?"
I agree with you "Falsemap", but sometimes you just have to pocket carry.
Personally, I have a kahr PM9 for pocket carry. I had a G-26 for IWB & it's a great gun, too!
"Use human means as though divine ones didn't exist, and divine means as though there were no human ones." Baltasar Gracian
Integrated Close Combat
NRA Member
Glock 19 & 26, Kahr CM9 & P45, Para P12, Kel-Tec P-32, S&W 442, & Dan Wesson 14-2.
+1000 on the Kel-Tec P3AT. I got mine about a month ago, and I haven't gone anywhere without it since. It's awesome!
Gun Control means never having to say "I missed you."
- Glock 27 (.40)
- Kel-Tec p3at (.380)
- Beretta 96FS (.40)
- Smith & Wesson 5906 (9mm)
Kel-Tec 32 w/Armalaser and 10 round magazine.
America. The land of the free because of the brave.
Kel-tec fan here as well.
"The world is filled with violence. Because criminals carry guns, we decent law-abiding citizens should also have guns. Otherwise they will win and the decent people will lose."
-James Earl Jones
I carried a .38 derringer for years until I bought a P-3AT a few years ago and both will get the job done. The P-3AT is about the biggest bang for the size gun you'll probably find these days and the price is reasonable as well. You can get a larger caliber bullet into a similar size gun by going to a derringer, but you limit yourself to only two shots.
I know many people down play derringers and there are a few well known gun "experts" who have said they would never own a derringer under any circumstances. Still, I've had mine for close to 20 years and it's as simple a design as you can get, but still works when I need it to and it fits into the palm of my hand. FWIW, I know a retired TX ranger who said to me just a few months ago that his BUG for many years (and was popular with a lot of other rangers in the 50's, 60's, and 70's) was a derringer in .38spl or .45 LC.
Last edited by rachilders; March 13th, 2007 at 02:06 PM.
"... Americans... we want a safe home, to keep the money we make and shoot bad guys." -- Denny Crane
I have a situation where I have to leave my gun in my truck while at work. If I need to stop somewhere after work I would like a gun with me.
I wear a uniform that I can't use an IWB holster because I'm not allowed to be in uniform with my shirt untucked.
So I bought a Bersa .380 as a pocket gun. In fact, I'm at home now with it in my pocket in an Uncle Mike's pocket holster. I'm BBQing and have the back door open so it's nice to have something just in case.
You can see my Bersa .380 in my avitar.
I know people say a .380 is too small a caliber to have but in my situation a gun in my pocket is better then one in the truck.
Courage is being scared to death - but saddling up anyway.
John Wayne
I doubt that there's a reasonable self defense gun that's light enough to carry in the pockets of gym shorts.
The early-bird gets the worm, but the second mouse gets the cheese.
But my KT P-3AT is a great once in a while carry...for those 'shorts in the backyard moments'...
It's only 80' right now and I'm headed out to the backyard...with my .380 in a Fist kydex pocket holster...hardley know it's there...
Great little gun, I've had mine for over four years (gen 1) and have never had difficulty with it...but not a fun gun for the range...
Proverbs 27:12 says: The prudent see danger and take refuge, but the simple keep going and suffer for it.
Certified Glock Armorer
NRA Life Member
I think the point I was making was that if I allow myself to carry a small pocket auto in .32 or .380 thinking "well it's better than nothing" I won't push myself to carry something bigger, even though it is actually just a small sacrifice in clothing or the weight of the bigger gun. I have yet to find a situation in which I couldn't carry a Glock 26 or 27 and I've been carrying everewhere for 3 + years.
My pocket carry is a Keltec P32. I've shot the P3AT as well and would feel okay with either of them. The P3AT launches a bigger rock, but I can follow up shot with the P32 much much faster. A 3:1 ratio imo. I also have a 10 rd extended magazine for the P32 and it still fits in my pockets with no printing. The recoil is so small, that I can empty a 10 round magazine into the "torso" of a human target at 5 yards in about 2 seconds with decent grouping.
Now granted, I've been in a situation where all I had was the P32 and I was glad I had it, but I really wished I had my 1911. However, I have to really conceal when I'm at work, so pocket carry is the only way. YMMV.
...He suggested that "every American citizen" should own a rifle and train with it on firing ranges "at every courthouse." -Chesty Puller


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