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Epoxy and bolts?? Craziness!!
Snaps and CA glue, my friend. :)
p.s. not to denegrate any of our good friends who have used bolts amd epoxy..... :thumbsup
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welcome to the family??? welcome to the family??? :lol hey combat, i have been here since march, brother!!! where have you been? just messin around....better late welcomes than no welcomes...:)
Come on Darrell, i wanna see this painted already :lol Can't wait to see more pics.
here's what i have got painted on the armor so far...the cod and butt are also painted the green, but havent misted them yet, will post those later...really difficult to keep the black in one area with a rattlecan, wish i had an airbrush, but this will do i think...give me your input guys!! now, this is just the black, i have to get some lighter color in those areas to really grime them up...any hints on what that color might be would be appreciated, for rattlecan...:thumbsup
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Hey D, looking good now we have some colour going on!
If you are referring to the armour's highlights? what I used was some small mists with the panzer olive and accent that with some earth tones (brown) then I would have applied the black/grey.
It's always hard with a rattle can... Altho saying that, there are some great suits on here that have used those? ;)
so you wouldve gone with the lighter color first? then the black? i see...i think i can still make it work...in your pics it looks greyish to me...maybe just the flash...:facepalm but once i get those lighter color accents on, and the silver and yellow for the damage, it'll be good....i hope...:o
Yeah the flash can change certain colours.. around the dents and some edges I used a grimy grey colour.
For the final weathering after additional tones etc.. I used the black. :D
Soz forgot to add...'Have fun with it'! ;):thumbsup
oh ya, brother, totally am...so it is a greyish color then...inside the the black areas...awesome, and ya know, if you look at my pics, it looks gray as well in some spots, and no gray has been used....totally flash effect...look at the lower corner of the left chest piece (when put on), it has a gray color to it...
Ok... (this is harder over the tinternet) add the additional green that I used to lighten and highlight certain areas according to ref.
Then add the grime, earth and grey tones over that to blend those previous areas... :facepalm
i gotcha brother....you are making perfect sense...just giving my british friend a hard time...;)
Lookin' great bub! Can't wait to see this baby finished!!!
Look good Darrell! Can't wait to see more :)
thanks guys!! this is fun...i like painting the armor...not as, what would you say, time consuming as the lid!! if you can survive the lid, everything else seems easy...:)
I thought you guys bought a new couch??? Does Mama know you are using it as a display case Darrell????
:lol:lol spent more on the costume than on a couch, for sure...so ya, the couch is the display for the costume!!:lol wife doesnt like it, but i think it adds nice color to the couch....:lol
just got my BM armor today great products very happy
felt like a lil kid on christmas waiting for it lol
Off to a good start bro...lucky bastage!!!:fettesb
Good to hear all the happy customers - I've just ordered a set from Daz, he's going to paint it up for me too as my skills are not quite up to the task. Looks like he's very much in demand, and with good reason, by the sound of it.
if his painting skills are anything like his molding skills, you will be floored by the quality...:thumbsup
You get a chance at the other pieces?
hey Dave, not yet....been busily working on the harnesses to get those out this next week...you will appreciate the time i have spent on the harness...;) ill get some more done on the other pieces this weekend, hopefully...going to watch OU saturday, so i will work on the harnesses in the morning and leave to Norman early afternoon and wont be back til late...probably sunday morning...ill keep posting progress as i go...:)
Hey D-man, when are you gonna give us more pics?:D
when i get peoples' harnesses done...;):p:o ill post some more up soon...you know how some vendors' are, no communication once they get your money...i dont want to be thought of as one of those vendors...:thumbsup


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"Federal" Reserve Headed Into Inflation Overdrive?
October 28, 2015 by Jack Blood
Filed under Economy
Inflation is a TAX / A Regressive tax on the poor!
Seven years of extraordinary fiscal and monetary stimuli are proving ineffective towards achieving the growth and inflation targets laid out by the Federal Reserve. The Consumer Price Index (CPI), the Producer Price Index (PPI) and Gross Domestic Product (GDP) have all failed to grow over 2%. This is because asset prices, at these unjustified and unsustainable levels, need massive and ever increasing amounts of QE (new money creation) to stave off the gravitational forces of deflation. Fittingly, it isn't much of a mystery that the major U.S. averages have gone nowhere since QE officially ended in October of 2014.
According to the highly accurate Atlanta Fed model, GDP for Q3 will be reported at an annual growth rate of just 0.9%. And things don't appear to be getting any better for those who erroneously believe growth comes from inflation: September core retail sales fell 0.1%, PPI month over month (M/M) was down 0.5% and year over year (Y/Y) was down 1.1%. CPI was down 0.2% M/M and the Y/Y headline level was unchanged.
While the deflation effect from plummeting oil prices wears off by years-end, there is no reason to believe the same deflationary forces that sent oil and other commodities down to the Great Recession lows won't start to spill over to the other components, such as housing and apparel, inside the inflation basket. This would especially be true if the Fed continued threatening to raise interest rates and driving the U.S. dollar higher.
Central banks and governments can always produce any monetary environment they desire. It is a fallacy to believe that deflation is harder to fight than inflation. Deflation is currently viewed as harder to fight because the policies needed to create monetary inflation have not yet been fully embraced-although this is changing rapidly.
The Fed just can't seem to grasp why its newly minted $3.5 trillion since 2008 hasn't filtered through the economy. But this is simply because debt-disabled consumers were never allowed to deleverage and markets were never allowed to fully clear.
But the Fed isn't one to let the truth get in the way of its Keynesian story. And why should it? Financial crisis is the mother's milk of increased central bank power. For example, before the last financial crisis the Fed was unable to buy mortgaged back securities; rules were then changed to allow it to purchase unlimited quantities of distressed mortgage debt. The Fed is perversely empowered to continue making greater mistakes, thus yielding them greater authority over financial institutions and markets.
Since 2008 the rules and regulations fettering Central Banks have become more malleable depending on the level economic distress. Congress has mandated that the Fed can not directly participate in Treasury auctions. But there is no reason to believe in the near future that this law won't be changed to better accommodate fiscal spending.
Strategies such as: pushing interest rates into negative territory, outlawing cash, and sending electronic credits directly into private bank accounts may appear more palatable in the midst of market distress. The point is that Central Banks and governments can produce either monetary condition of inflation or deflation if the necessary powers have been allocated.
In the Fed's most recent dot plot (a chart displaying voting member's expectations of future rates) the Minneapolis Fed's Kocherlakota was mocked as the outlier for placing his interest rate dot below zero. However, persistent bad economic news has quickly driven the premise of negative rates into the mainstream. Ben Bernanke told Bloomberg Radio that despite having the "courage to act" with counterfeiting trillions of dollars, he thought other unconventional issues (such as negative interest rates) would have adverse effects on money market funds. However, anemic growth in the U.S., Europe and China over the past few years has now changed his mind on the subject.
Supporting this notion, the president of the New York Fed, William Dudley recently told CNBC, "Some of the experiences [in Europe] suggest maybe can we use negative interest rates and the costs aren't as great as you anticipate." Indeed, over in Euroland, ECB President Draghi hinted recently that the current 1.1 trillion euro ($1.2 trillion) level of QE would soon be increased, its duration would be extended and deposit rates may be headed further into negative territory.
Statements such as these have me convinced that negative interest rates in the U.S. are likely to be the next desperate move by our Federal Reserve to create growth off the back of inflation. After all, the Fed is overwhelmingly concerned with the increase in the value of the dollar. Keeping pace with other central banks in the currency debasement derby is of paramount importance. Outlawing physical currency and granting Ms. Yellen the ability to directly monetize Treasury debt and assets held by the public outside of the banking system could also be on the menu if negative rates don't achieve her inflation mandates.
Instead of repenting from the fiscal and monetary excesses that led to the Great Recession the conclusions reached by government are: debt and deficits are too low, asset prices aren't rising fast enough, Central Banks didn't force interest rates down low enough or long enough, banks aren't lending enough, consumers are saving too much and their purchasing power and standard of living isn't falling fast enough.
The quest of governments to produce perpetually rising asset prices is creating inexorably rising public and private debt levels. The inability to generate inflation and growth targets from the "conventional" channels of interest rate manipulation and the piling up of excess reserves are leading central banks to come up with more desperate measures.
We can see more clearly where Keynesian central bankers are headed by listening to NY Times columnist Paul Krugman's suggestions for Japan to escape its third recession since 2012. He recently avowed that Japan needs much more aggressive fiscal and monetary stimulus to escape its "liquidity trap" and "too-low" rate of inflation. However, his spurious argument overlooks that the Bank of Japan is already printing 80 trillion yen each year, its Federal Debt is spiraling north of 250% of GDP, and the annual deficits are currently 8% of GDP.
Here it is in his own words:
"What Japan needs (and the rest of us may well be following the same path) is really aggressive policy, using fiscal and monetary policy to boost inflation, and setting the target high enough that it's sustainable. How high should Japan set its inflation target…it's really, really hard to believe that 2 percent inflation would be high enough."
You see! According to this revered Keynesian economic expert if what you've already done in a big way hasn't worked all you need to do is much more of the same.
Unfortunately, Krugman and his merry band of arrogant Keynesian haters of free markets represent the conscious of global governments and central bankers. What they indeed are creating is a perfect recipe for massive money supply growth and economic chaos. Therefore, if these strategies are followed, it will inevitably lead to a worldwide inflationary depression. And this is why having a gold allocation in your portfolio is becoming increasingly more necessary.
Originally posted on Pentoport.com.
Iceland just sentenced their 26th banker to prison for their part in the 2008 financial collapse
October 27, 2015 by Jack Blood
Filed under Economy
"The Cartel" – Five global banks to plead guilty, pay $5.7 billion on Libor rate rigging
May 20, 2015 by Jack Blood
Filed under Economy
Five of the world's largest banks, including JPMorgan Chase & Co and Citigroup Inc, were fined roughly $5.7 billion, and four of them pleaded guilty to U.S. criminal charges over manipulation of foreign exchange rates, authorities said on Wednesday.
A fifth bank, UBS AG, will plead guilty to rigging benchmark interest rates, the U.S. Justice Department said.
U.S. banks JPMorgan Chase and Citigroup will pay $550 million and $925 million in criminal fines, respectively, as part of their guilty pleas.
British banks Barclays Plc will pay $650 million in criminal penalties and Royal Bank of Scotland Plc $395 million. Each will plead guilty to one felony count of conspiring to fix prices and rig bids for U.S. dollars and euros in the foreign exchange spot market.
Euro dollar traders at four of the banks described themselves as members of "The Cartel" and used an electronic chat room and coded language to manipulate exchange rates to increase profits, the Justice Department said.
The $5.7 billion total includes $1.6 billion in fines separately imposed by the U.S. Federal Reserve on the five banks.
Separately, the Fed fined Bank of America Corp $205 million for unsound practices in foreign exchange.
Barclays also will pay an additional $1.3 billion to settle with the New York State Department of Financial Services, the U.S. Commodity Futures Trading Commission and the UK's Financial Conduct Authority, authorities said.
As part of the agreement, Barclays will fire eight bank employees involved with rigging foreign exchange rates, the New York regulator said.
In addition, Barclays will pay a $60 million criminal penalty for violating an earlier non-prosecution agreement with the Justice Department to resolve a probe of the manipulation of the London interbank offered rate, or Libor, and other benchmark interest rates.
Swiss-based UBS will separately plead guilty to manipulating Libor and other benchmark interest rates. It will also pay a $203 million criminal penalty for breaching a 2012 non-prosecution agreement with the Justice Department over Libor.
The fines announced on Wednesday follow agreements in November with many of the same banks over currency trading and bring total penalties to nearly $9 billion, the Justice Department said.
US regulator orders PayPal to pay $25 million in refunds, fines
China's Central Bank to cut bank reserve requirement (Fractional Reserve Lending)
April 21, 2015 by Jack Blood
Filed under Economy
19.5% reserves is still double what Fed Member banks allegedly need in the USA. These banks will also get low or NO interest rates to receive fiat currency credits they can loan out AT INTEREST more than 5 times. This is the 3rd cut in the last year, indicating that the Chinese global powerhouse economy is in trouble. Most news orgs are calling this a "Stimulus" – (Jack)
Fractional reserve banking… and why it's a disaster.
Fractional Reserve Banking, and the Money Multiplier Myth
BEIJING (AP) — China's Central Bank said Sunday that it will cut its bank reserve requirement ratio by 1 percentage point to stimulate more lending into a slowing economy.
The new reserve requirement will take effect Monday, the bank said in a statement. The move allows banks to hold onto less of their money and lend more of it out. The Communist Party-run People's Daily said the cut will release 1.2 trillion yuan ($194 billion) into the world's second-biggest economy.
The Central Bank also said it will cut an extra 1 percentage point for commercial banks providing agricultural financing and an extra 2 percentage points for the Agricultural Development Bank of China. It will also cut the requirement by an additional half a percentage point to eligible banks that lend a certain share of loans to agricultural borrowers and small businesses.
The Central Bank last cut its reserve requirement in February, when it slashed the rate to 19.5 percent for big banks and 16 percent for small- and medium-sized banks.
Official data showed last week that China's economy grew by 7 percent in the first quarter of the year, the lowest level since the financial crisis of 2009.
Where in Afghanistan Did $35 Billion Go?
April 6, 2015 by Jack Blood
Filed under Economy
Black Ops?
April 4, 2015 by Klaus Marre
Out of $56 billion that the Department of Defense (DOD) has spent on Afghanistan's reconstruction, only $21 billion can be properly accounted for.
The $35 billion discrepancy is revealed in a new report from the Special Inspector General for Afghanistan Reconstruction (SIGAR).
SIGAR's core mission is "to prevent and detect waste, fraud and abuse" in the Afghanistan aid program. Yet the Pentagon is claiming that it would be "extremely labor intensive to compile information" on how exactly the remaining $35 billion has been used.
Here is a letter from SIGAR asking the DOD to make more information available, and here is the Pentagon's response as to why it could not.
In all, Congress appropriated $104 billion for Afghanistan reconstruction between 2002 and 2014. Of the $66 billion that went to DOD, $56 million has been committed to outside contractors. The SIGAR report offers a fine-grained analysis of the $21 billion in contracts that DOD was able to track—while drawing attention to the $35 billion "gap" in accountability.
As a point of reference, Afghanistan's gross domestic product in 2013 was $20.65 billion, according to the CIA's World Factbook.
The vast majority of the money that was adequately tracked went to the Afghan Security Forces Fund (ASFF). Exactly what this money bought may never be known. In 2014, the Inspector General of the DOD issued a report that found the Government of the Islamic Republic of Afghanistan lacked "the ministerial capability and capacity to manage and oversee ASFF direct contributions."
The next largest recipient of DOD funds was the Drug Interdiction and Counter-Drug Activities fund (DOD CN); the lion's share of this allocation ($569 million) went to the Academi Training Center. Academi is part of a successor company to the former security contractor Blackwater. In 2014, one former Blackwater agent was convicted of murder while three others were convicted of manslaughter and weapons charges for the 2007 deaths of 17 Iraqi civilians.
Read the rest at WHO WHAT WHY
Insourced: A loophole in immigration law is costing thousands of American jobs
February 24, 2015 by Jack Blood
Filed under Economy
This can be reported, as both Unions and citizens are affected ….. In other words, immgration loving democrats are very upset… so this is not perceived as "racist"
Imagine getting a layoff notice, then being ordered to train your replacement.
That's what has happened to hundreds of information technology employees at Southern California Edison. Since last summer, Edison, which serves nearly 14 million customers, has been firing its domestic IT workers and replacing them with outsourced employees from India.
In doing so, the utility is exploiting a gaping loophole in immigration law, which Congress has failed to close despite years of warnings that it's costing thousands of American jobs.
The Indian workers are brought in on H-1B visas, which are temporary work permits for "specialty occupations" — those requiring "highly specialized knowledge" and a bachelor's degree.
The purpose is to allow employers to fill slots for which adequately trained Americans aren't available, not to replace existing workers with cheap foreign labor. That's why employers such as Google and Microsoft, which say they're short of highly trained software engineers, have lobbied hard to expand the program beyond the 65,000 visas available annually. These high-tech companies say they can't meet their needs from the pool of U.S. graduates in STEM specialties — science, technology, engineering and math.
But Edison is using the program for a different purpose — to cut its wage costs, possibly by as much as 40%, according to data compiled by Ron Hira, a public policy expert at Howard University.
The pay for Edison's domestic IT specialists is about $80,000 to $160,000 not including benefits, with the average at about $120,000 for experienced personnel, according to records Edison submitted to the state Public Utilities Commission. The two Indian outsourcing firms providing workers to Edison, Tata Consultancy Services and Infosys, pay their recruits an average of about $65,000 to $71,000, according to their federal filings.
"They told us they could replace one of us with three, four, or five Indian personnel and still save money," one laid-off Edison worker told me, recounting a group meeting with supervisors last year. "They said, 'We can get four Indian guys for cheaper than the price of you.' You could hear a pin drop in the room."
This worker and the half-dozen others I interviewed asked to remain anonymous because their severance packages forbid them to speak disparagingly about the company.
These employees perform the crucial work of installing, maintaining and managing Edison's computer hardware and software for functions as varied as payroll and billing, dispatching and electrical load management across Edison's vast power generating and electric transmission network. The workers I interviewed are in their 50s or 60s and have spent decades serving as loyal Edison employees.
They're not the sort of uniquely creative engineering aces that high-tech companies say they need H-1B visas to hire from abroad, or foreign students with master's degrees or doctorates from U.S. universities who also can be employed under the H-1B program. They're experienced systems analysts and technicians for whom these jobs have been stairways from the working class to five- or six-figure middle-class incomes. Many got their training at technical institutes or from Edison itself.
Some laid-off Edison employees say the transition is not going well.
Some report that Tata was unable to recruit enough workers in time to replace — or get training from — the domestic workers ushered out the door. Edison delayed some layoffs scheduled for November and December until as late as March. Sources say the utility may now even be considering recalling some laid-off employees to fill the gaps.
Meanwhile, important IT projects have been delayed and complaints from Edison offices about poor tech support are rising, according to some workers and sources at the International Brotherhood of Electrical Workers, which represents thousands of Edison employees (though not the laid-off IT workers).
Edison acknowledges that the transition "has not been seamless but it is also not complete." The firm says the outsourcing will be completed early this year, and that once the transition reaches "a mature state," its IT operating costs will fall 20%.
Thus far, the PUC's interest in this affair has been to demand that any savings get passed on to ratepayers. The commission should be more concerned about potential problems: The consequences a botched transition could have for Edison's service and emergency response could be dire.
Edison has been less than forthright about the outsourcing, which it says will cost the jobs of 500 IT employees — 400 laid off and an additional 100 "leaving voluntarily."
Edison relies on a loophole to skate around rules forbidding the use of cheap H-1B labor to replace existing domestic employees. Technically, Edison isn't the H-1B employer; Tata and Infosys are. This sleight of hand allows Edison to say, as it told The Times, that it is "not hiring H-1B visa workers to replace displaced employees." The contractors, Tata and Infosys, are doing the hiring. Edison says those firms "determine the composition of their own workforce." Because the outsourcing firms employ minimal American staffs themselves, the thousands of Indian workers they import aren't technically replacing Americans.
What's even more disgraceful is how Tata and Infosys are alleged to treat their employees. In 2013, Tata paid $29.8 million to settle a federal class action brought by 12,800 outsource workers. The employees alleged that Tata cheated them of wages they were due and forced them to sign over their U.S. tax refund checks to the firm. Tata didn't admit wrongdoing.
The same year, Infosys paid $34 million — a record penalty in an immigration case — to settle federal charges that it had systematically defrauded immigration authorities.
Infosys told Edison the settlement was related to "paperwork administrative issues."
The Department of Justice put it differently. When federal prosecutors announced the settlement, they specified that Infosys was alleged to have deliberately submitted falsified documents to U.S. immigration authorities, and even instructed visa holders how to deceive consular officials. Infosys denied wrongdoing.
Tata and Infosys declined to comment.
It has long been an open secret that the H-1B program has gone off the rails.
"The reality is that what's going on at Southern California Edison is the most common usage," Hira says. Last year, for instance, Minnesota-based agribusiness behemoth Cargill said it would outsource as many as 900 IT jobs to Tata.
Tata and Infosys have become two of the largest recipients of H-1B visas, receiving more than 12,400 new visas in fiscal 2013. A report last year from the Federal Reserve Bank of Boston observed that a majority of firms requesting and receiving H-1B visas "specialize in offshore outsourcing and rarely sponsor H-1B workers for permanent residency."
That conforms to Hira's findings that Tata filed only seven applications for permanent residency in fiscal 2013 despite receiving 6,163 H-1B visas; Infosys received 6,269 visas and filed no applications for permanent residency.
The H-1B system turns the Indian workers virtually into indentured servants, Hira says. The visas are held in the employer's name, and are canceled if the worker loses the job. That gives the employer immense power to keep its workforce docile. "If you speak out, they'll terminate you and you'll have to leave the country," Hira says.
The H-1B program has turned into a scam for outsourcing firms and their U.S. clients. Congress must fix it so it serves its original purpose. Instead, a measure introduced by Sen. Orrin Hatch (R-Utah) would increase the number of available H-1B visas to 115,000 per year. Democrats Amy Klobuchar (D-Minn.), whose state is home to Cargill, and Richard Blumenthal of Connecticut, where Northeast Utilities announced plans last year to outsource some 200 IT jobs, have signed on as co-sponsors. But critics say the bill would do almost nothing to stem the abuses.
Some pushback is coming from legislators such as Sens. Dick Durbin (D-Ill.); Chuck Grassley (R-Iowa); and Jeff Sessions (R-Ala.).
Sessions asked, in a "primer" for his GOP colleagues last month, why Congress should ever consider "advancing legislation that provides jobs for the citizens of other countries at the expense of our own."
As it stands now, the H-1B program works chiefly for employers looking for new ways to fire older, experienced workers. One laid-off Edison worker put it best: "When you are referred to as a commodity or a cost, not even treated as a human being, it's pretty degrading."
A Greek Morality Tale – by Joseph E. Stiglitz (World bank Whistle Blower)
February 9, 2015 by Jack Blood
Filed under Economy
Joseph E. Stiglitz, Feb 3, 2015
NEW YORK – When the euro crisis began a half-decade ago, Keynesian economists predicted that the austerity that was being imposed on Greece and the other crisis countries would fail. It would stifle growth and increase unemployment – and even fail to decrease the debt-to-GDP ratio. Others – in the European Commission, the European Central Bank, and a few universities – talked of expansionary contractions. But even the International Monetary Fund argued that contractions, such as cutbacks in government spending, were just that – contractionary.
We hardly needed another test. Austerity had failed repeatedly, from its early use under US President Herbert Hoover, which turned the stock-market crash into the Great Depression, to the IMF "programs" imposed on East Asia and Latin America in recent decades. And yet when Greece got into trouble, it was tried again.
Greece largely succeeded in following the dictate set by the "troika" (the European Commission the ECB, and the IMF): it converted a primary budget deficit into a primary surplus. But the contraction in government spending has been predictably devastating: 25% unemployment, a 22% fall in GDP since 2009, and a 35% increase in the debt-to-GDP ratio. And now, with the anti-austerity Syriza party's overwhelming election victory, Greek voters have declared that they have had enough.
So, what is to be done? First, let us be clear: Greece could be blamed for its troubles if it were the only country where the troika's medicine failed miserably. But Spain had a surplus and a low debt ratio before the crisis, and it, too, is in depression. What is needed is not structural reform within Greece and Spain so much as structural reform of the eurozone's design and a fundamental rethinking of the policy frameworks that have resulted in the monetary union's spectacularly bad performance.
Greece has also once again reminded us of how badly the world needs a debt-restructuring framework. Excessive debt caused not only the 2008 crisis, but also the East Asia crisis in the 1990s and the Latin American crisis in the 1980s. It continues to cause untold suffering in the US, where millions of homeowners have lost their homes, and is now threatening millions more in Poland and elsewhere who took out loans in Swiss francs.
Given the amount of distress brought about by excessive debt, one might well ask why individuals and countries have repeatedly put themselves into this situation. After all, such debts are contracts – that is, voluntary agreements – so creditors are just as responsible for them as debtors. In fact, creditors arguably are more responsible: typically, they are sophisticated financial institutions, whereas borrowers frequently are far less attuned to market vicissitudes and the risks associated with different contractual arrangements. Indeed, we know that US banks actually preyed on their borrowers, taking advantage of their lack of financial sophistication.
Every (advanced) country has realized that making capitalism work requires giving individuals a fresh start. The debtors' prisons of the nineteenth century were a failure – inhumane and not exactly helping to ensure repayment. What did help was to provide better incentives for good lending, by making creditors more responsible for the consequences of their decisions.
At the international level, we have not yet created an orderly process for giving countries a fresh start. Since even before the 2008 crisis, the United Nations, with the support of almost all of the developing and emerging countries, has been seeking to create such a framework. But the US has been adamantly opposed; perhaps it wants to reinstitute debtor prisons for over indebted countries' officials (if so, space may be opening up at Guantánamo Bay).
The idea of bringing back debtors' prisons may seem far-fetched, but it resonates with current talk of moral hazard and accountability. There is a fear that if Greece is allowed to restructure its debt, it will simply get itself into trouble again, as will others.
This is sheer nonsense. Does anyone in their right mind think that any country would willingly put itself through what Greece has gone through, just to get a free ride from its creditors? If there is a moral hazard, it is on the part of the lenders – especially in the private sector – who have been bailed out repeatedly. If Europe has allowed these debts to move from the private sector to the public sector – a well-established pattern over the past half-century – it is Europe, not Greece, that should bear the consequences. Indeed, Greece's current plight, including the massive run-up in the debt ratio, is largely the fault of the misguided troika programs foisted on it.
So it is not debt restructuring, but its absence, that is "immoral." There is nothing particularly special about the dilemmas that Greece faces today; many countries have been in the same position. What makes Greece's problems more difficult to address is the structure of the eurozone: monetary union implies that member states cannot devalue their way out of trouble, yet the modicum of European solidarity that must accompany this loss of policy flexibility simply is not there.
Seventy years ago, at the end of World War II, the Allies recognized that Germany must be given a fresh start. They understood that Hitler's rise had much to do with the unemployment (not the inflation) that resulted from imposing more debt on Germany at the end of World War I. The Allies did not take into account the foolishness with which the debts had been accumulated or talk about the costs that Germany had imposed on others. Instead, they not only forgave the debts; they actually provided aid, and the Allied troops stationed in Germany provided a further fiscal stimulus.
When companies go bankrupt, a debt-equity swap is a fair and efficient solution. The analogous approach for Greece is to convert its current bonds into GDP-linked bonds. If Greece does well, its creditors will receive more of their money; if it does not, they will get less. Both sides would then have a powerful incentive to pursue pro-growth policies.
Seldom do democratic elections give as clear a message as that in Greece. If Europe says no to Greek voters' demand for a change of course, it is saying that democracy is of no importance, at least when it comes to economics. Why not just shut down democracy, as Newfoundland effectively did when it entered into receivership before World War II?
One hopes that those who understand the economics of debt and austerity, and who believe in democracy and humane values, will prevail. Whether they will remains to be seen.
Joseph E. Stiglitz
Competition is a sin? "Govt" Regulations hit smaller US banks hardest
February 9, 2015 by Jack Blood
Filed under Economy
Competition is a sin" – John D. Rockefeller
Small US banks have been disproportionately hurt by post-financial crisis regulation, a former JPMorgan Chase executive working at Harvard University has found.
Amid a renewed push in Washington for regulatory relief for the country's community banks, research by Marshall Lux — JPMorgan's former chief risk officer for consumer businesses, now a senior fellow at Harvard's Kennedy School — has concluded that they were hit hardest by new rules.
Although the market share of smaller US banks with less than $10bn in assets has been shrinking for some time, the research shows their decline has accelerated since the introduction of the Dodd-Frank financial reform bill.
Community banks lost 6 per cent in market share between 2006 and mid-2010, during the worst of the crisis. But, since the passage of Dodd-Frank in early 2010, the decline in market share has doubled to more than 12 per cent.
"What if Dodd-Frank created a too-small-to-succeed problem in addition to the too-big-to-fail problem?" said Mr Lux, who is based at the Mossavar-Rahmani Center for Business and Government at Harvard's John F. Kennedy School of Government. "This research suggests it has."
America's smaller bank sector has long been a hot topic given its importance to communities, but the topic has met with renewed interest in Washington in recent months. These small banks are estimated to provide 70 per cent of US agricultural loans and 50 per cent of small business loans.
"It's hard to imagine that remote parts of the country are going to be served by these larger consolidated banks," said Mr Lux, who also works at the Boston Consulting Group. "If the trend continues, we're going to see fewer community banks and more substitutions that would not be under the same scrutiny."
"What if Dodd-Frank created a too-small-to-succeed problem in addition to the too-big-to-fail problem?"– Marshall Lux, senior fellow Harvard's Kennedy School
In January, community banks won a regulatory concession when the Consumer Financial Protection Bureau proposed easing mortgage lending requirements for the country's smallest providers. That same day, the Fed offered to ease certain capital requirements for banks with less than $1bn of assets.
Regulators have been trying to walk a fine line between easing burdens on smaller banks and ensuring that the sector remains under control – with many arguing that the US was overbanked before the financial crisis and in need of consolidation.
Some regulators are now wary of over-easing the rules on small banks at a time when lenders are attempting to boost profit margins, according to people familiar with their thinking.
Community banks' share of the US lending market has fallen from more than 40 per cent in 1991 to 22 per cent last year. At the same time, the market share of America's five biggest banks has jumped from 17 per cent to 41 per cent.
"It does seem like smaller institutions are the hardest hit," said Robert Greene, Mr Lux's research assistant. "There are economies of scale when dealing with regulation."
401(k) Programs: Methadone for the Middle Class
February 6, 2015 by Jack Blood
Filed under Economy
I can't believe its not butter.
Methadone is a legal drug that is taken by former heroin addicts. It eliminates the "rush" that heroin offers, but it also eliminates withdrawal symptoms. It lets heroin addicts escape the need to buy the expensive illegal drug.
Methadone is for heroin addicts who just cannot bring themselves to go cold turkey from an addictive drug that distorts their perception.
That is what a 401(k) retirement plan is for middle-class workers.
Most workers have no retirement program other than Social Security. About 55% of American workers are eligible for a 401(k) plan, but only about 38% participate. This, according to a 2014 CNBC article perceptively titled, "The right ways to get workers hooked on a 401(k)."
Plans offer as little as 3% of salary from the worker, which is matched by the employer: 3/3. The maximum is 6/6.
The first question that someone being offered a 401(k) program is this: "What has been the rate of return for the program since March 2000?" Why March 2000? Because that was the month in which the heroin rush ended. It began on the weekend of August 13, 1982. The bottom was on Thursday, August 12, when the Dow Jones Industrial Average was 777, and the S&P 500 was 102. The S&P 500 peaked on March 24, 2000, when it closed at 1527.
Why do I say it peaked? It is over 2000 today. We must discount for price inflation. The best way to do this is to go to the inflation calculator of the Bureau of Labor Statistics. It is here. Insert 1527 into the box. Click "Calculate." As of 2014, you get 2099. That is the break-even point for an investment in the S&P 500. Depending on dividends minus fees, that is a losing investment or close to it, compared with buying Treasury bills.
When you find out what the performance of a 401(k) program has been since March 2000, discount by 15%. That is what price inflation has done to the dollar's purchasing power.
But what if the fund's managers won't tell you what the rate of return has been? Then they are embarrassed by the performance of the program. Why stay in it?
Is the program keeping pace with price inflation? Then ask this: to be relevant for retirement purposes, what rate of return do you need to retire at age 65?
To do this, you need a nest egg that will fund your retirement in comfort. If you reduce this nest egg by the traditional 4% per annum, will it sustain you through retirement? That depends on your life expectancy. To calculate this, you need a life expectancy calculator. Actually, you need two or three. Take the average. Set it for age 65. Then calculate, given your present weight and lifestyle.
What will Social Security provide if you wait until age 67 to retire? (Age 70 is better.) Find out. The younger you are, the lower the likelihood that Social Security and Medicare will outlast you. Both systems are statistically bankrupt. The unfunded liabilities are over $200 trillion. The trust funds are empty: IOU's from the Treasury.
Then there is your equity in your home. This will do you no good unless you move into low-cost housing and rent your existing home for income, or unless you take out a reverse mortgage. Will you have a mortgage at retirement?
Prof. Alicia Munnell recently wrote an article for MarketWatch on home equity for people in their 60's. It reveals that the median equity — half have more, half have less — for Americans immediately before retirement is $110,000.
In 2013, 77% of households in their early 60s owned a house. The median house price was $185,000. But 63% of households in their early 60s continued to have a mortgage. Subtracting outstanding mortgage balances from the gross house price yields median home equity of $110,000, which accounts for more than 40% of the homeowners' total wealth as conventionally measured. The fraction is lower if Social Security wealth and that from defined benefit plans are included in the wealth measure.
That is home equity. So, what is the median value of a 401(k) program for the typical American, age 55-65? A pathetic $104,000.
Combined, the home equity and the 401(k) total about $215,000. But the home equity is being used for consumption: a place to live.
Now, here is my favorite figure. Retirement experts for decades said that the typical family must withdraw 4% per year from capital in order to live comfortably. Today, everyone knows this is fake. I did a Google search. Take a look at the articles. But it was fake back then, too. You can't take 4% out of your 401(k) nest egg without getting taxed. It's not your money. It's the federal government's money and the state government's money. They hit you at ordinary income tax rates on withdrawals.
So, you get maybe 3%, not the 4% you pull out. Let's see: 3% of $104,000 in year one. Then 3% of $100,000 in year two. Then 3% of $96,000 in year three. You think this is the road to comfortable retirement? At the top (beginning), that's $3,000 a year. How far will that get you? Nowhere. Your goose is cooked. The "experts" who talked about 4% annual withdrawals were trying to sell the suckers investment schemes at high commissions.
Next, you need to estimate your expenses in retirement. This requires a calculator. There are lots of them on the Web. For an introduction on which ones do what, Read this Wall Street Journal article. Click here. For a comprehensive one, click here. If you don't have Java installed, use this. Your future is on the line. You need to devote some serious thought to this issue.
Do not assume that Medicare will cover your medical expenses. A good article on what Medicare will not cover is here. Its conclusion:
HealthView's calculations assume that the higher-earning member of the example couple receives the Social Security average of $1,294 a month in today's dollars, while the spouse earns $817. Based on actual claims data, the couple will incur projected lifetime medical costs of $366,599 in today's dollars if retiring next year, and costs of $421,083 if retiring in another 10 years.
Then there is the cost of entering an assisted care home.
Excluded from the calculation is the cost of long-term care. An estimated 70% of adults turning 65 will eventually need help with bathing, dressing and other activities of daily living. This type of care can be costly, whether provided in the home or in a facility.According to the Genworth 2014 Cost of Care Survey, the median annual cost of a private nursing-home room is $87,600 nationally, while the median annual cost of a home health aide is $45,188. These expenses vary greatly from region to region–in Alaska, for example, a home health aide costs $56,125 and a private room in a nursing home costs a whopping $240,900.
Grim, isn't it?
This is why 401(k) programs are methadone. People do not go through the exercise I have just summarized. They prefer not to. They get into the 401(k) program on this assumption: "I am doing all that I can. This will sustain me." No, it won't.
You must work much longer than you are planning. You must save far more than a 401(k) plan allows. You must get a much higher rate of after-tax, after-price inflation rate of return. You must actively manage your retirement program. That is a huge defect of a 401(k) program: you do not actively manage it. If your response is this — "But I don't know how" — then you had better find out how. Better to skip the 401(k) strategy and either start a business or buy income-producing real estate. (Start with books by John Schaub.)
When you retire, you will leave the 401(k) program. The methadone will be removed. You will go cold turkey. If you assume that the 401(k) program is anything more than methadone, you will suffer withdrawal pains to a degree that you can barely imagine today. It doesn't hurt today. It will hurt greatly when you retire.
If your 401(k) program has not returned at least 10% per year after price inflation since 2000, get out of it. It is methadone. It is numbing your judgment. Skip the income tax benefit and put the money to better uses.
If the program is not generating consistent 10% returns, what good is it? The money that you put in isn't yours alone. It's the government's. The government will tax it as ordinary income when you retire. The only thing that isn't taxed is the rate of return. That's the only reason to bother with a 401(k): compounding capital with deferred taxes. If there are not substantial returns, then the 401(k) is simply a form of deferred income. The government says, "Pay us now or pay us later." Pay them now. After that, they can't tell you how to invest the money. They won't monitor what you do with it. They won't force you to report to them. They do require fund managers to report to them. With a 401(k), you lose privacy. If you are not getting 10% per annum, tax-free, don't consider it.
It is far better to have nothing saved and therefore conclude, "I must work until I am 80," than to fool yourself into believing that your 401(k) will provide any meaningful support.
Bottom line: if you regard your 401(k) as anything more than chump change, you are making a mistake. Forget about it. It is distorting your judgment. It is not worth bothering about, one way or the other. So, pull it out, pay the taxes, pay the penalties, and buy something that will appreciate enough to make a difference when you retire.
The stock market's heroin fix ended on Match 24, 2000, yet it still afflicts millions of addicts. There is no more rush, but the horror of withdrawal pain keeps them in the stock market. It has been 15 years, yet they still cannot break the habit. "I can quit at any time," they tell themselves. But they don't.
Now it's time to end the methadone fix. If you are on methadone, go cold turkey.
Central bank prophet fears QE warfare pushing world financial system out of control
January 21, 2015 by Jack Blood
Filed under Economy
Former BIS chief economist warns that QE in Europe is doomed to failure and may draw the region into deeper difficulties
The economic prophet who foresaw the Lehman crisis with uncanny accuracy is even more worried about the world's financial system going into 2015.
Beggar-thy-neighbour devaluations are spreading to every region. All the major central banks are stoking asset bubbles deliberately to put off the day of reckoning. This time emerging markets have been drawn into the quagmire as well, corrupted by the leakage from quantitative easing (QE) in the West.
"We are in a world that is dangerously unanchored," said William White, the Swiss-based chairman of the OECD's Review Committee. "We're seeing true currency wars and everybody is doing it, and I have no idea where this is going to end."
Mr White is a former chief economist to the Bank for International Settlements – the bank of central banks – and currently an advisor to German Chancellor Angela Merkel.
He said the global elastic has been stretched even further than it was in 2008 on the eve of the Great Recession. The excesses have reached almost every corner of the globe, and combined public/private debt is 20pc of GDP higher today. "We are holding a tiger by the tail," he said.
"QE is not going to help at all. Europe has far greater reliance than the US on small and medium-sized companies (SMEs) and they get their money from banks, not from the bond market," he said.
"Even after the stress tests the banks are still in 'hunkering down mode'. They are not lending to small firms for a variety of reasons. The interest rate differential is still going up," he said.
The warnings come just as the European Central Bank prepares a blitz of bond purchases at a crucial meeting on Thursday. Most ECB-watchers expect QE of around €500bn now that the eurozone is already in deflation. Even the Bundesbank is struggling to come with fresh reasons to oppose it.
The psychological potency of this largesse will depend on whether the ECB opts for shock-and-awe concentration or trickles out the stimulus slowly. It also depends on the exact mechanism used to conduct QE, a loose term at best.
ECB president Mario Draghi hopes that bond purchases will push money out into the broader economy through a "wealth effect", but critics fear this will be worse than useless if it leads to an asset bubble without gaining traction on the real economy. Classic moneratists say the ECB may end up spinning its wheels should it merely try to expand the money base.
Mr White said QE is a disguised form of competitive devaluation. "The Japanese are now doing it as well but nobody can complain because the US started it," he said.
"There is a significant risk that this is going to end badly because the Bank of Japan is funding 40pc of all government spending. This could end in high inflation, perhaps even hyperinflation.
"The emerging markets got on the bandwagon by resisting upward pressure on their currencies and building up enormous foreign exchange reserves. The wrinkle this time is that corporations in these countries – especially in Asia and Latin America – have borrowed $6 trillion in US dollars, often through offshore centres. That is going to create a huge currency mismatch problem as US rates rise and the dollar goes back up."
Mr White's warnings are ominous. He acquired great authority in his long years at the BIS arguing that global central banks were falling into a trap by holding real rates too low in the 1990s, effectively stealing growth from the future through "intertemporal" effects.
He argues that this created a treacherous dynamic. The authorities kept having to push rates lower with the trough of each cycle, building up ever greater imbalances, in an ineluctable descent to the "zero bound", where monetary levers stop working properly.
Under his guidance, the BIS annual reports over the three years before the Lehman crisis were a rising crescendo of alarm calls at a time when other global watchdogs were asleep. His legendary report in June 2008 openly discussed whether the world was on the cusp of events that might prove as dangerous and intractable as the Great Depression, as it indeed it was.
Mr White said central banks have been put in an invidious position, compelled to respond to a deep economic disorder that is beyond their power. The latest victim is the Swiss National Bank, which was effectively crushed last week by greater global forces as it tried to repel safe-haven flows into the franc. The SNB was damned whatever it tried to do. "The only choice they had was to take a blow to the left cheek, or to the right cheek," he said.
He deplores the rush to QE as an "unthinking fashion". Those who argue that the US and the UK are growing faster than Europe because they carried out QE early are confusing "correlation with causality". The Anglo-Saxon pioneers have yet to pay the price. "It ain't over until the fat lady sings. There are serious side-effects building up and we don't know what will happen when they try to reverse what they have done."
The painful irony is that central banks may have brought about exactly what they most feared by trying to keep growth buoyant at all costs, he argues, and not allowing productivity gains to drive down prices gently as occurred in episodes of the 19th century. "They have created so much debt that they may have turned a good deflation into a bad deflation after all."
Related Articles
- QE experiment is Europe's last chance but will it work?
21 Jan 2015
- More QE will not help the world, says Mervyn King
20 Jan 2015
- IMF downgrades global growth as fears about Europe and Russia overshadow oil windfall
20 Jan 2015
- Switzerland 'capitulates' on franc as currency wars take next victim
15 Jan 2015

subset: commoncrawl


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London's Oxford Street Recreated In Egypt's Resort Town
Savoy Group is re-creating the big tourist drag of the bustling British metropolis in Sharm El Sheikh as an attempt to boost tourism.
Savoy Group Sharm El Sheikh has recently announced its plan to recreate London's Oxford Street in the spectacular SOHO Square. Emad Aziz, Chairman and Entrepreneur, is hoping to rebuild consumer confidence through a host of exciting new developments. In an interview with Breaking Travel News Emad Aziz explains his vision of SOHO Square:
SOHO Square was built to uplift the entire destination. Sharm needed an upmarket family entertainment centre and that's exactly what it is. Good shopping, supervised children entertainment areas, restaurants for fine dining, coffee shops, bars and recreation are essential features and offer a calm upmarket and peaceful home to all within the destination.
Currently the SOHO Square project is working on an extension that will try and emulate London's Oxford Street. The Savoy Group feels that with this extension they will be able to attract tourists back into the region and in particular to Sharm El Sheikh. In light of the recent uprisings in the Middle East and in particular Egypt the regions tourist industry has suffered. Emad Aziz is keen on altering perceptions and going back to business as normal. He argues that the tourism industry in Sharm El Sheikh has a vibrant future:
The strength and resilience of both Egypt and Sharm El Sheikh combined with the natural ecosystems, cultural and entertainment resources will ensure as steady recovery for the region.


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Oregon Historical County Records Guide
Union County Records Inventory
Naturalization Petitions and Orders
Series documents the application for United States citizenship by aliens. Information includes name, residence, and occupation of applicants; place and date of birth; emigration place, date, and vessel; declaration of intention dates; name, birthplace, and birth date of dependents; and renunciation of allegiance to foreign governments. Accompanying the petitions are witness and petitioner affidavits, oaths of allegiance, court orders admitting or denying citizenship, declarations of intention, depositions, and certificates of arrival.
Records at the Chaplin Building, Clerk's Resource Room:
Index of Naturalization Papers issued Prior to 1906 [indexes county court judicial journal and circuit court journal], ca.1865-1905 (1 volume);
Naturalizations [Certificate Stubs and Naturalization Index Cards], ca.1927-ca.1973 (.15 cu.ft.);
Naturalization Court Orders, 1930-1974 (1 volume);
Naturalization Record [with index], 1903-1906 (1 volume);
Naturalizations [Record-includes petitions and declarations of intention-with index], 1926-1975 (2 volumes);
Petition and Record [with index], vol. 1-3, 1906-1929 (3 volumes);
Repatriation [Record], vol. 1, 1940-1954 (1 volume).
Records at the Joseph Building, Map Room #6 Archives:
Citizens Papers [mostly declarations of intention and oaths of allegiance], 1865-1902 (.25 cu.ft.).
Records at the Joseph Building, County Archives Room #2:
Records [Judicial Journal-includes naturalization and insane commitment information], vol. A, 1864-1890 (1 volume).


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Seeking for District Manager ( 6 yrs)
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2010 X5 - Roof Rails No Longer Standard
The updated BMW USA website shows that the roof rails are no longer considered standard equipment. Is this correct? If so, that is a bit lame because who wants an SUV without roof rails?
Correct. It has been in the printed 2010 order guide for many weeks, but in general the public didn't know about the roof rails or the Adaptive drive (no longer in the Sport Option). FYI both Tech and Premium packages went up $200. All in all $2500 more for mine in 2010 as compared to 2009.
I was happy they made it an option.
I've owned a Ford Explorer for 17 years and never once used the roof rails. But they make the roof a pain to wax and also have a small negative affect on mpg, I would have paid $100 premium to not have them.
Styling is in the eye of the beholder. I personally prefer the look without them. To me unused roof rails remind me of those Station Wagons from the 1960's, or the fins on the 1950's autos.
Tastes do change over time. I wonder if someday in the far off future, people will look at all the wood trim in current BMW interiors in the same way we now look at wood on the side of cars!
there are only two scenarios in the far off future.............if Al Gore is correct......there won't be any trees left to use in our interiors...........or if Al Gore gets his way......there won't be any BMWs to worry about........
Or aluminum.
Ok, now you have me feeling guilty for the wood trim in my car!
I got my 2010 X5 today without roof rails, found out it is options in 2010 and cost $100. Does anybody know if I can install this by myself once I buy it from Dealer? Or how much will I be charged if dealer installs it?
Parts run ~$800. I would not believe that the headliner needs to come off.... well, until proven otherwise ... dealers tell all kinds of stories.
Scot, not to worry, Big Al will still have his Lexus 400 series hybrid and the kid will still have the 100 mph Prius along with the assorted pickups and SUVs at "the farm" in Tn.
And mabye because of " Big Al " and others like him who actually give a damn about the environment, the air that we breathe into our lungs and the fact that we're sending billions over to the Middle East in the form of oil dollars some of which gets used to blow up our soldiers as well as American civilians here in the US, we just might be a little better off if we got a few more mpg's out the behemoths that we drive - myself included.
I look forward to the day, hopefully in the not too distant future when I can drive an X5 that gets 50, 75 or 100 mpg. Call me crazy, but it just kinda makes sense to me that we should WANT to see that kind of inovation which can only benefit us in so many ways rather ridiculing people who push us to do better than we're doing in the area of conservation and advancement of technology.
I like Boone Pickens too!
For those current X5 owners, check on top to see how the roof racks screw in.
Me too, and I hope he resumes his clean energy crusade - I'm all for it!
I heard different stories about roof rails: some dealers say $100 for part and $175 for installation, but some other say a few hundred for the part and thousands for installation. From the BMWUSA, the part is listed as $100 for the roof rails. Any body has the accurate information?
For current 2010 X5 owners with roof rails installed, could you check the top to see how the roof rails screw in.
I obviously don't want to spend too much money on this. Does not make any sense.
It gets even better.
Near as I can tell, there is a PAINTED molding that is different for 'with' rails and 'without'. So to add the roof rails, you need to paint the molding with the correct cut outs.
Here are the parts you need to buy:
184.108.40.206.529 & 530 ... This is the railing iteself, list is ! $244 each or 488 the pair
188.8.131.52.391... this is the molding, at $166 each or $332 the pair. The come "primered"
Couple of clips, 6 nuts, etc.
As far as installation goes, forget about the headliner! Painting those moldings makes it stupid expensive. (If I were doing it, I'd see if I could machine out my existing molding to allow the rack to mount- but not sure a dealer will do that.)
Based on the parts list, there are 6 nuts that hold it in. I looked under the molding, it seems that there are holes into the roof so the headliner may need to be slightly loosened to get at the nuts, after you place the rack down, but this is a really easy thing to do.
As far as your assertion that BMWUSA 'lists' the part at $100: 1. They list no "parts" that I've ever seen, and 2. They list it as an order option- NOT as a 'purchase by itself part'
I'd have that dealer offering it for $275 go ahead and put it in writing....
We decided not to get the roof rails on our 2010 X5d because we could not get the burnished aluminium to match the front grill. Our dealer could only provide the standard black as an option. During the factory tour what my son saw on the export versions they had a flat black, a glossy black, burnished aluminium. They also had some with a low profile solid roof rail that currently is also not available as a special order. My plan is on my next trip to Germany to stop at the local BMW dealership and find out if I can special order it and then ship it to myself in the states.
Here is another link that shows some of the other roof rail options.
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Loads the new web player data file.
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function Start () { // Start streaming the data file var stream = new WWW ("http://www.unity3d.com/Lightning/lightning.unity3d"); // Yield until stream is done yield stream; // Load it! stream.LoadUnityWeb(); }
// Streams a .unity3d file and displays the progress in a GUI texture. // You need to make sure the GUI texture is set up to have a pixel inset. function Start() { // Store the original pixel inset // and modify it from there. var gt = GetComponent.<GUITexture>();
var originalPixelRect = gt.pixelInset;
// Update the progress bar by scaling the gui texture // until we reach the end var stream = new WWW ("http://www.unity3d.com/Lightning/lightning.unity3d");
while (!stream.isDone) { gt.pixelInset.xMax = originalPixelRect.xMin + stream.progress * originalPixelRect.width; yield; }
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text:
Urban Planning Laboratory
The rise of Asia's megacities is the upshot of robust economic growth in the region. In turn, the expansion of these centers of industry and commerce is fueling further growth, opening more opportunities for business and employment.
With six out of 10 of the world's largest cities in Asia - and eight out of 10 of the most densely populated - the continent will be the world's de facto laboratory for urban planning.
Yet urbanization does not mean prosperity for all. A great disparity between the rich and the poor - not just in terms of income but also in living conditions - persists. Asia accounts for some 60% of the world's urban slum residents.
Rapid development puts pressure on infrastructure and the delivery of basic services, such as health care, water and sanitation, and energy, particularly for cities with poor urban planning. Investments in public utilities must keep pace with business and population expansion. Otherwise, economic growth cannot be sustained.
This edition of Development Asia examines the opportunities and challenges that urbanization presents: how it can drive or disrupt economic growth in Asia. It looks into the case of Viet Nam, one of Asia's economic stars, which is grappling with problems arising from massive urban migration. In The Cruel Utility of Slums, we weigh the economic value of informal settlements against the human toll. To round out coverage, this issue reports on the progress of urban renewal programs that seek to revitalize old cities while preserving their cultural heritage.
In other stories, this issue explains the rollout of a form of political risk insurance that covers acts of terrorism. This issue also looks at how development organizations are adapting in a networked world. How well are these organizations using social media? And how are internet scammers posing as development organizations? Finally, this issue puts the spotlight on Thailand's Mr. Condom, Mechai Viravaidya.
- Urban Planning Laboratory
- The Cruel Utility of Slums
- Viet Nam Tries to Break the Mold
- Revamping Old Asia
- Dutch Jakarta Left Behind
- A Pearl in Need of Polish
- Terrifying Insurance
- Answering the Plea
- The Art of the 'Tweet'
- Bluffing Aid
- Fighting Back
- The Dark Side of Remittances


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posted by jessa .
65.0 mL of water is heated to its boiling point. How much heat in Kj is required to vaporize it? (Assume a density of 1.00 g/mL)
q = mass x heat vaporization
This doesn't help me.
Then tell me what you don't understand. All you need to do is to substitute the mass of 65.0 mL water (65.0 grams) and surely you have a table giving the heat vaporization of water. That calculates q, the heat required to vaporize water at it's boiling point. How did I get the mass of 65.0 grams?
mass = density x volume
mass = 1.00 g/mL x 65.0 mL = 65.0 grams.
Can someone please answer this.
use dimensional analysis and the heat vaporization table.
Water = 40.7 kj/mol.
Start with the information that you were given and make sure that all of your units cancel out!
(65.0mL)(1.00g/1mL)(1 mole H2O/18.0g H2O)(40.7kj/1 mole H2O) = 146.9 kj.
There are 3 significant figures, so 147kj is your answer.


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I'm thinking about having all the kids make ornaments at our annual holiday party. Has anyone done this before? What materials did you use? Any other tips?
We made these footprint plaques. They also make great gifts as well! http://www.kiwicrate.com/projects/Salt-Dough-Footprint-Ornament/718
posted by: Brittany on 11.20.2012comment on this
We just made these out of Popsicle Sticks and buttons, but you could also use sequins, pom poms, or gems. http://www.kiwicrate.com/projects/Button-Snowflake-Ornaments/980
posted by: Tina on 11.20.2012comment on this
had this one pinned on my xmas board http://belladia.typepad.com/.a/6a00d8341cc08553ef0148c67a888b970c-800wi
posted by: Jess on 11.14.2012comment on this
While labeled gift tags, I'm sure these could easily double as ornaments: http://www.kiwicrate.com/projects/Salt-Dough-Gift-Tags/458 These decorative stars seem like they could be used for a variety of purposes: http://www.kiwicrate.com/projects/Salt-Dough-Gift-Tags/458
posted by: Louis on 11.13.2012comment on this
If you pre-make the white ornaments, I think kids would really get a kick out of making their own snowman ornaments using felt and markers. Directions here: http://spoonful.com/crafts/snowman-ball-ornament
posted by: Jen on 11.13.2012comment on this
Also, If you don't mind doing a little prep, try cutting thin cardboard into different shapes - candy cane, wreath, snowman, santa hat, christmas tree. Hole punch each one and loop a ribbon through. Then the kids can glue pom poms on the shapes. Some sparkly pom poms like these http://www.amazon.com/CHENILLE-KRAFT-INCH-GLITTER-POMS/dp/B00172UUWS would be fun to mix in too!
posted by: Tara on 11.13.2012comment on this
You could use cookie cutters to trace and cut out different shapes on cool paper - these newspaper ornaments are cute: http://www.kiwicrate.com/projects/Newspaper-Ornaments/686 or get scrapbooking paper
posted by: Tara on 11.13.2012comment on this


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Getting ready to showcase her Grammy Award-winning vocals, Alicia Keys arrived at the 2013 BET Honors in Washington, D.C.on Saturday (January 12).
The 31-year-old songstress looked stunning in a black, one shoulder CD Greene dress and John Hardy jewels as she worked the Warner Theatre red carpet.
President Barack Obama's second inauguration is turning out to be a star-studded affair as new acts continue to confirm their spot on the lineup.
The latest celebrity acts taking part in the festivities include Katy Perry, Alicia Keys, Usher, Brad Paisley and the main members of the "Glee" cast.
After rocking their stunning red carpet ensembles for the photogs, the stars headed into Los Angeles' Nokia Theatre for the 39th Annual People's Choice Awards on Wednesday night (January 9).
The adorable Kaley Cuoco provided her hosting talents for the second year in a row, while the fan's favorites were revealed throughout the exciting evening.
Looking to beat the midweek slump, Alicia Keys got all gussied up and headed over to the 2013 People's Choice Awards earlier tonight (January 9).
The "Girl on Fire" songstress showed off her fashion A-game in high wasted black pants and a red velvet blazer as she belted out her hit tunes.
Giving a bright smile to waiting photographers, Alicia Keys shopped in SoHo in New York City on Wednesday (December 19).
The "Girl on Fire" singer looked cute in a black jacket, white scarf, and black-and-white boots, while carrying a large black handbag.
With her new album "Girl On Fire" moving up the charts, Alicia Keys shines the spotlight by covering the January 2013 issue of Essence magazine.
The 31-year-old singer looked stunning in Lavin Peplum for the front cover of Essence while opening up to the mag about everything from her spiritual growth to how Hurricane Sandy affected her.
Keeping the hits coming, Alicia Keys just released the music video for her latest single "Brand New Me," and it's yet another winner.
In the clip, the 31 year-old songstress dons some curly locks and a plunging neckline gown as she deftly plays a piano and sings her heart out for the camera.
With her new album Girl on Fire heating up the charts, Alicia Keys pitched in on promotions by covering the December 2012 issue of Complex magazine.


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text:
Dr. McDowell receives excellence award
Dr. Edward McDowell was selected as the recipient of the 2013 James A. Garrettson Jr. Physician Excellence Award at Indiana Regional Medical Center. McDowell specializes in cardiology and has practiced in Indiana for more than 31 years.
The Physician Excellence Award was established in 2006 to recognize physicians that exemplify excellence in performance, leadership, clinical expertise, patient care and service excellence.
McDowell served as medical staff president for five years. He actively participates on medical staff committees.
He founded Empower3 Center for Health, a program to provide affordable health care coverage for firefighters and patients who meet income guidelines. McDowell is known for going above and beyond what is necessary for his patients, along with his expertise and his calm, caring professional manner.
Since its inception, the award has been presented annually by Indiana Regional medical staff and senior leadership.
Nominations for the award can be made by members of the IRMC family, employees and physician colleagues, and are finalized by a selection committee of the medical staff.
Criteria for the award include but are not limited to: Length of tenure (minimum of 10 years); quality of care; community service; medical record compliance; participation in committee and department meetings; frequency of positive feedback indicating patient satisfaction; professional interaction with peers and with IRMC staff; leadership; commitment to professional development of self and others; promoting the values and mission of the hospital; and, by example, must be recognized as a role model for the profession of medicine.
Prior recipients for the award are Thomas McCoy (2006), Shafic Twal (2007), Alex Juhasz (2008), Russell Drozdiak (2009), Donna Balewick. (2010), Stella Boron (2011) and Mark Boykiw (2012).


text:
Corona Extra Beer Mountain Bike 18 speed
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Alcohol & Smoking
- Source: eBay
- Sold Date: Aug 08, 2008
- Channel: Auction House
You are bidding on one (1) brand-new, in-box Corona Extra / Corona Light 18 speed mountain bike . This is definitely a beer-aficionado's dream bike! This bike is still in the original box, and has never been assembled.
The gallery photo (bottom) is a scan from the distributor's catalog, and it lists the bike at $225.00. However, this model has been discontinued and is not available ANYW, so it's definitely a rare breed and a collector's item!
Local pickup in the Orlando area is available.


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Tires and Auto Repair in Saratoga Springs, UT
Welcome to The Car Doctors Tire Pros of Saratoga Springs, Utah
We are a family owned business, not a big corporation. We want to bring a quality automotive experience to our friends and customers here in Saratoga Springs, UT. In fact, throughout Happy Valley, we are known for our family-oriented service. We run our store as a family, which means our staff is happy. That in turn means a better experience for you as we all know that happy people do better work. Customers come to us from Lehi, Eagle Mountain, and the surrounding area as well.
We sell tires from General Tire, Continental and Cooper. They are a high quality tire, made in the USA. Our experience in the tire and automotive industry means that we can find the best tire for you, whatever your driving needs may be. Check out all the tire brands we offer.
Need a safety and emissions test? The doctor is in! We can make sure your car or truck is ready for that upcoming road trip. Air conditioning, alignments, brakes and other automotive service and repairs are all done here in a timely way, so you can get back on the road. From the tires all the way to the light on the top of the cab, we do it all! Engine swaps, transmissions, and more...We're the place to see.
We offer a nation-wide warranty on all our tires and service. That's why we are part of the Tire Pros dealer network, to be able to offer you this peace of mind for your automotive repairs.


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The hottest of the hotspots
Best Terratec Peripherals.
19 November 2005
Up till now, if you wanted dual digital tuners in your media centre in meant two physical cards. That's all set to change thanks to the Terratec Cinergy 2400i DT.
14 August 2007
Internet radio, FM radio, network audio, iPod dock and bass thumping speaker - but is it trying too hard?
09 March 2006
Terratec's Aureon 7.1 offers mucho surround sound and Dolby Digital Live technology for not much cash. Paul Weir investigates.
06 July 2008
The NOXON iRadio for iPod brings all the ingredients to the table, but does it serve up a tasty offering?
07 March 2007
Surround sound without the surround sound mess. But is it worth the investment?
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text: Fuse What State Has the Most Attractive License Plate? By Drew Weisholtz January 9, 2014 Beauty is in the eye of the license plate holder. Read More Category: News, Travel Tags: Cars, License Plates Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!