text: THE MCLAUGHLIN GROUP HOST: JOHN MCLAUGHLIN PANEL: PATRICK BUCHANAN, MSNBC; ELEANOR CLIFT, NEWSWEEK; TONY BLANKLEY, THE WASHINGTON TIMES; LAWRENCE O'DONNELL, MSNBC TAPED: WEDNESDAY, DECEMBER 20, 2006 BROADCAST: WEEKEND OF DECEMBER 30-31, 2006-----------------------------------------------------------------Copyright (c) 2006 by Federal News Service, Inc., Ste. 500 1000 Vermont Avenue, NW, Washington, DC 20005, USA. Federal News Service is a private firm not affiliated with the federal government. No portion of this transcript may be copied, sold or retransmitted without the written authority of Federal News Service, Inc. Copyright is not claimed as to any part of the original work prepared by a United States government officer or employee as a part of that person's official duties. For information on subscribing to the FNS Internet Service, please visit http://www.fednews.com or call(202)347-1400 ----------------------------------------------------------------- ANNOUNCER: It's the 25th annual McLaughlin Group year-end awards, 2006, part two. Here's the master of ceremonies, John McLaughlin. MR. MCLAUGHLIN: Destined for political stardom. Pat Buchanan. MR. BUCHANAN: Nicolas Sarkozy, the next president of France. MR. MCLAUGHLIN: A gentleman, right? MR. BUCHANAN: He's a man, yes. MR. BLANKLEY: Whether he's a gentleman, we'll find out. (Laughter.) MR. MCLAUGHLIN: Eleanor. MS. CLIFT: I'm going to go with the new secretary of Defense, Robert Gates, who said he didn't give up a job he loves as president of Texas A&M College to be a bump on a log in Washington. He is in a position to do what the Iraq Study Group couldn't do, and that is help lead this president out of Iraq. MR. MCLAUGHLIN: He said it was the best job he's ever had, that Texas presidency, Texas A&M. Tony. MR. BLANKLEY: Segolene Royal may be the next president of France. MR. BUCHANAN: (Laughs.) MR. MCLAUGHLIN: This is what confused me in the beginning. I thought he was saying that. MR. BLANKLEY: No. MR. MCLAUGHLIN: Please continue. MR. BLANKLEY: Well, she's the Socialist candidate, and I think she's got a very good chance of being the next president of France. MR. MCLAUGHLIN: And destined for political stardom. MR. BLANKLEY: Which would give her some stardom, even in France. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: Charlie Rangel, who will be the chairman of the Ways & Means Committee in the House. He's been waiting his whole political career for this. And he will be -- despite all the publicity about Nancy Pelosi, he will be the most powerful person in the Congress. MR. MCLAUGHLIN: And she left him on that committee. MR. O'DONNELL: She had no choice. Charlie Rangel's been in line to be chairman, once the Democrats take over, for years. And he will exercise that power wisely and strongly. MR. MCLAUGHLIN: Destined for political stardom in 2007: Virginia's senator-elect, James Webb. He will emerge as the focus and spokesman for the nation's expanding antiwar mood. Okay, destined for political oblivion. Patrick. MR. BUCHANAN: Nouri al-Maliki, I'm afraid. And you can sing "Auld Lang Syne" to Fidel and Saddam. MR. MCLAUGHLIN: Who's going to take al-Maliki's place? MR. BUCHANAN: I think someone supported by Mr. Hakim. MR. MCLAUGHLIN: Well, what is that? MR. BUCHANAN: (Laughs.) I'm not sure who they're going to decide on. But Sistani -- MR. MCLAUGHLIN: Who's going to decide? MR. BUCHANAN: Sistani and Hakim will decide -- MR. BLANKLEY: A Shi'ite not affiliated with Sadr and affiliated with al-Sistani. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: If he knew who the next leader of Iraq was going to be, that would be helpful for the president. So pass it along. I got former Speaker Denny Hastert. He was an accidental speaker to begin with. He was a place-holder who lasted 10 years. We're not going to be talking about him anymore. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Nick Lampson and Tim Mahoney. They replaced Tom DeLay and Mark Foley, two very Republican districts. You won't even have heard of them and they'll be gone. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: Karl Rove, whose political wizardry has driven the Bush administration to this low point in the polls. He'll get a final turn in the spotlight as a witness in the Scooter Libby case, perhaps, if that case goes to trial. He won't be heard from after that. MR. MCLAUGHLIN: Destined for political oblivion: Outgoing Florida Governor Jeb Bush. It's very unfortunate, because Jeb has extraordinary political aptitude. His ratings are now in the 60s leaving government. The nation will not again elect a Bush to the White House. The dynasty is kaput. Okay, best political theater. Pat. MR. BUCHANAN: The mass demonstrations in Beirut after the assassination of Rafik Hariri resulted in the removal of the government -- basically resulted in the removal of Syrian troops and the Cedar Revolution; great theater. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: President Clinton versus Chris Wallace on Fox News. President Clinton accused Wallace of performing a conservative hit job. Wallace was doing his job. It was win-win for both of them. Clinton inspired Democrats to stand up to the right-wing conspiracy. MR. MCLAUGHLIN: Clinton told him, "Wipe that smirk off your face." Did you hear that? MS. CLIFT: I heard that. MR. MCLAUGHLIN: Good theater, huh? MS. CLIFT: Yes. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: I'm picking YouTube as the venue for continuing political theater. We've already seen it in this election cycle. We're going to continue to see that political theater being played out on YouTube on these -- MR. MCLAUGHLIN: Like what? MR. BLANKLEY: "Macaca" -- I mean, one after the other. You're going to see political theater unwillingly -- MR. MCLAUGHLIN: You mean, breaking -- MR. BLANKLEY: -- unwillingly portrayed against politicians, yeah. MR. MCLAUGHLIN: -- breaking news. Lawrence. MR. O'DONNELL: The series of Senate campaign debates that Tim Russert ran on "Meet the Press" in most of the contested states; really good, solid debates. MR. MCLAUGHLIN: Best political theater: Venezuelan President Hugo Chavez at the United Nations. He blessed himself, he said, to ward off "El Diablo," the devil. And the devil, he said, was George Bush. And Bush had been at the U.N. rostrum the day before and left, Chavez said, "sulfurous fumes." Okay, worst political theater. MR. BUCHANAN: That was exactly it -- Hugo Chavez at the U.N. saying, "El Diablo was here and the sulfur smell survives." That was the worst political theater. (Laughs.) MR. MCLAUGHLIN: Was it as good as Khrushchev? MR. BUCHANAN: Huh? You mean, banging his shoe? It was -- no, it wasn't as good as Khrushchev. MR. MCLAUGHLIN: I think banging the shoe was superior to this. MR. BUCHANAN: I think banging the shoe was superior. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Dick Cheney shooting his friend on a hunting trip. You can't -- MR. MCLAUGHLIN: In the face with pellets. MS. CLIFT: In the face with pellets; and to be bipartisan, the discovery of $90,000 in the freezer of Congressman William Jefferson. (Laughter.) That's pretty bad theater as well. MR. MCLAUGHLIN: Worst political theater. MR. BLANKLEY: The Muslim demonstrations against the Danish cartoons. It had a countereffect to what they were hoping for, beginning to rally the West to the danger of radical Islam. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: Rush Limbaugh's grotesque and false imitation of Michael J. Fox as Michael appeared in the commercials. MR. MCLAUGHLIN: It's either Lawrence's or Dick Cheney shooting his friend in the face with pellets on a hunting trip accidentally. Okay, worst political scandal. Pat. MR. BUCHANAN: Let's see; Abramoff, Foley, Cunningham. Take your pick -- (laughs) -- all three; the Republican culture of corruption. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: All of the above, and then the House Ethics Committee votes unanimously that everybody behaved disgracefully in the Foley scandal. And what did they do about it? Nothing. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: The Foley/Hastert scandal, which cost the Republicans, by themselves, the House, is a double scandal -- Foley's pedophilic conduct and Hastert's failure to do anything about it. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: The high crimes of the Abramoff scandal are the worst things that the Republicans were actually up to in the House. But the timing of the Foley scandal was the most politically devastating. MR. MCLAUGHLIN: The worst political scandal, as noted here, the sprawling web of Republican corruption -- Abramoff, Robert Ney, Michael Scanlon, Tom DeLay, David Safavian, Duke Cunningham. And there's more to come later on; small fish and big fish. Okay, most underreported story of 2006. Patrick. MR. BUCHANAN: The current account deficit, John, which is going to make the American dollar into the next North American peso. It's up around 7 or 8 percent of your gross national product. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: The Lancet report on the deaths of Iraqi civilians, which was meticulously researched by Johns Hopkins -- MR. MCLAUGHLIN: Six hundred and fifty thousand? MS. CLIFT: -- 655,000. Now, that's my serious story that was underreported. But on the lighter side, the dream candidate, Barack Obama, smokes. Not many people know that. MR. MCLAUGHLIN: How much does he smoke? MS. CLIFT: I don't know how much. MR. MCLAUGHLIN: A cigarette a week? MS. CLIFT: Any is enough. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: The Paris police union's report that they are facing an intifada from the Muslim suburbs of Paris, almost not reported at all. This is from the Paris police union itself. MR. MCLAUGHLIN: Lawrence. (Inaudible.) Lawrence. MR. O'DONNELL: The horrible crisis in Darfur, which is reported but does not get the coverage that it deserves, given the magnitude of the tragedy. George Clooney has brought his efforts to get attention to it. But other than that, it is hard to get coverage of that crisis. MR. MCLAUGHLIN: The most underreported story: Globalization and its negative impact on the middle class. That impact will soon spread to include not only manufacturing jobs but also skilled white-collar jobs. Okay, the most overreported story of 2006. Pat. MR. BUCHANAN: Bird flu will kill us all, John. MR. MCLAUGHLIN: Where did that -- that evaporated as a story. MR. BUCHANAN: It's gone. (Laughs.) MR. MCLAUGHLIN: Eleanor. MS. CLIFT: TomKat's wedding. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: The waiting for the Baker-Hamilton report. There was the biggest buildup to the smallest dud. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: The Duke lacrosse team criminal case. Let it just run its course. We don't have to be following it every day. MR. MCLAUGHLIN: Most overreported story: 2008 presidential mania, the wannabes. We just got through the 2006 election cycle; 2008 can wait at least until the 4th of July. Give us a break already. Okay, biggest government waste, Pat. MR. BUCHANAN: Four hundred billion dollars for a war Secretary of State Powell says we are not winning. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: I agree with that. It's the Iraq war. Pick any part of it or all of it. MR. MCLAUGHLIN: The position of the administration on that is we're not winning but we're not losing. You know it's impossible in any human activity to be either winning, not winning -- be not winning or not losing or winning and losing at the same time. You know that. MR. BLANKLEY: No, I don't know that at all. MR. MCLAUGHLIN: Something has to be going. It cannot be in a state of pure stasis. You know that. MR. BLANKLEY: No, there can be a perfect balance between positive and negative events happening. MS. CLIFT: It's called a quagmire. MR. BLANKLEY: No, that would have been the case in 1943 in World War II, in 1863 in the Civil War. MR. MCLAUGHLIN: The biggest government waste -- I'm sorry I brought that up -- $2 billion a week for the war in Iraq, right? MR. BLANKLEY: The biggest waste is the Agency for International Development, which is incapable of developing anything internationally. It's a huge waste of money. They failed to build bridges in Afghanistan and around the world -- miserable. They should close down the program. MR. BUCHANAN: Shut it down. Good for you. MR. MCLAUGHLIN: I think that's -- don't you think that's slightly excessive? MR. BLANKLEY: No, it's too modest. MR. MCLAUGHLIN: Natsios was selected, the former head of AID, to go over there to be the special envoy to Darfur. Am I right? Now, are you saying that he is painted with that brush? I don't believe that. MR. BLANKLEY: I'm saying the bureaucracy that exists there is incapable of functioning. MR. MCLAUGHLIN: Five hundred billion dollars to date. Is that what you're talking about? MR. O'DONNELL: There's no greater waste than spending on a war that was a mistake. MR. MCLAUGHLIN: And the cost of thousands of lives, American lives, and scores of thousands of injuries. Okay, best government dollar spent. Pat. MR. BUCHANAN: The salary of the U.S. pilot that took out Zarqawi, who was a murderous devil who has ignited this ongoing Shi'a- Sunni war. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: The cooperative venture with Russia to find and buy up and secure loose nukes. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: That's a very good one. Mine is the increased spending on brain trauma injury treatment for our returning vets. By the way, that was a program that was championed by now almost former Senator Allen. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: Taking out Zarqawi was a pointless event when it happened, as I said on this show. The best dollar we spend is still Social Security. It has done more to eliminate poverty in the elderly than anything else that's come along. It's a very successful, efficient government program. MR. MCLAUGHLIN: Best government dollar spent: Funding the Iraq Study Group, a relatively minor investment. It opened a needed debate on Iraq. Okay, boldest political tactic. Pat. MR. BUCHANAN: Kim Jong Il's July 4th rocket shoot. He fires off seven rockets. The big one goes off 45 seconds and blows up. One of them almost hits Siberia. It gets world attention for Kim Jong Il and North Korea. MR. MCLAUGHLIN: And what does China do? MR. BUCHANAN: China was ticked. (Laughs.) MR. MCLAUGHLIN: China writes them out a big check. For some reason he has quieted down. It's because of China. MR. BUCHANAN: It's because China said, "We control your oil and gas, and cut it out." MR. MCLAUGHLIN: There's a lesson there for all of us -- buy them out. MR. BUCHANAN: Don't mess with the Chinese. MS. CLIFT: Boldest move: Barack Obama doing a tease for the NFL. And his next boldest move will probably be to run for president. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Karl Rove's micro-targeting strategy -- MR. O'DONNELL: (Laughs.) MR. BLANKLEY: -- an effort to overcome, with technical means, governing flaws of the Republican Party. It was a bold effort. It worked well, but not well enough. MR. O'DONNELL: (Laughs.) It worked well. Joe Lieberman for getting up off the mat when he was defeated in the primary and going as the independent Democrat and winning that race. MR. MCLAUGHLIN: Boldest political tactic. Here's the backdrop: Keith Ellison is an incoming Democratic representative. He's from Minnesota. He's Muslim. And he's the first Muslim, first ever elected to the U.S. Congress. Ellison will take an oath of office next month with his hand on the Koran. We'll be right back with more 2006 predictions. (Announcements.) MR. MCLAUGHLIN: Okay, best idea of 2006. Pat. MR. BUCHANAN: Seven hundred miles of security fence along the Mexican border. MR. O'DONNELL: (Laughs.) MR. BUCHANAN: Hillary votes for it. MR. MCLAUGHLIN: Did she? MR. BUCHANAN: Sure, she and Schumer. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Banning trans fats in New York restaurants. MR. MCLAUGHLIN: What he said is going to come back and haunt Hillary. You know that, that kind of a vote. MR. BUCHANAN: (Laughs.) MS. CLIFT: Hillary's running a general election campaign. MR. BLANKLEY: The decision by the World Health Organization and the EPA to start using DDT again to kill mosquitoes to fight malaria, which was taken off of the market as a result of Rachel Carson's "Silent Spring," and millions of children in Africa died because of it. Thank goodness we're using that DDT again. MR. MCLAUGHLIN: So you're a DDT rooter. MR. BLANKLEY: I'm a DDT man, yeah. MR. O'DONNELL: Jack Murtha's idea that we redeploy the troops in Iraq, pull them back, which, by the end of the year, was largely endorsed by the Iraq Study Group and Jim Baker. MR. MCLAUGHLIN: Best idea of 2006: YouTube. You can upload and download over 100 million videos (there on view ?). Google bought YouTube for one and a half billion dollars. Maybe it was over two and a half billion dollars. It has the potential of changing politics and science and journalism and gossip and social manners in unpredictable and wild ways, Pat. Check it out. Okay, worst idea of 2006. MR. BUCHANAN: Israel's decision, after two of its soldiers were captured, to smash Lebanon rather than go in and clean out Hezbollah -- horrible mistake, disaster for Lebanon, injured Israel's reputation; has enhanced the prestige of Hezbollah all over the Middle East. MR. MCLAUGHLIN: Do you think that now the IDF is taking the rap on that? MR. BUCHANAN: The IDF -- the commander, the chief of staff of the Israeli air force, is the guy that ran this operation. It was a horrible, horrible mistake, worst in Israel's -- MR. MCLAUGHLIN: The IDF had been neglected over the years. Eleanor. MS. CLIFT: Worst idea: Contact O.J. Simpson and get him to write a book -- (laughter) -- "How I Did It" -- "If I Did It." It cost Judith Regan her job at HarperCollins. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Worst idea was keeping Denny Hastert as speaker after the Foley scandal broke and his negligence was manifest. If they got rid of him that week, the Republicans would probably still hold the House. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: Worst idea is increasing troops, the American troop presence in Iraq by significant numbers. It's supported by about 12 percent of the American public. And if John McCain clings to that, his candidacy could go down. MR. MCLAUGHLIN: Worst idea: World Cup French soccer captain Zinedine Zidane head-butts Italian player at the World Cup, gets removed from the match, and so the French team loses their best kicker and the French team loses the match. Okay, sorry to see you go. Pat. MR. BUCHANAN: Jack Palance, Wilson the gun fighter in "Shane" -- great actor, great patriot; and my old friend, Milton Friedman. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Senator Lincoln Chafee, who lost his bid for re- election. You've got to love a Republican who wrote in Bush 41's name rather than vote for Bush 43. MR. MCLAUGHLIN: Well, Chafee's, of course, still alive and flourishing. MS. CLIFT: I didn't take this as a death. I said he lost his bid for re-election. MR. MCLAUGHLIN: Well, you've got an interesting -- MS. CLIFT: He's probably got a much happier life. MR. MCLAUGHLIN: -- twist. It is a death of sorts. MR. BLANKLEY: Well, I took the category the same way as Eleanor. It's a political departure -- Governor Ehrlich of Maryland, such a great governor. He probably would have had a chance to be on the national ticket; so good, even The Washington Post endorsed him as the Republican candidate for governor of Maryland. Sorry to see him leave politics for a while. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: I'm with Eleanor -- Lincoln Chafee, who replaced his father in the Senate when his father died. That seat has been held by a Chafee for decades, and the Chafee presence in the Senate will be missed. MR. MCLAUGHLIN: In the political arena, Caspar Weinberger, Lyn Nofziger, Lloyd Bentsen, political professionals all, wholly dedicated to their high calling and their arduous craft. Okay, 15 minutes of fame. MR. BUCHANAN: O.J.'s book, "If I Did It." (Laughs.) It was on the bestseller list for 12 hours. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Ned Lamont, the antiwar candidate, who up-ended Joe Lieberman in the Democratic primary and put the country on notice that there was a segment of people who really don't like this war. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Ned Lamont, who now has to get back on the waiting list to get into the restricted Greenwich country club. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: Mark Foley, who the country had never heard of, an obscure Florida congressman who helped hand the House over to the Democrats. MR. MCLAUGHLIN: Fifteen minutes of fame: John Yoo, Y-O-O, Berkeley professor. His theory of unitary government gives Mr. Bush unlimited power, unlimited, as commander in chief. 2007 will be the year when Yoo's theory ends up on the rubbish heap of history, where it belongs. Okay, best spin of the year. MR. BUCHANAN: Mark Foley's attorney. He came out and read a statement by Mark saying, "I am a gay American. I am an alcoholic. I was abused by my clergyman. Nevertheless, I take full responsibility." MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Best spin: "We're not winning, but we're not losing." As you said earlier, what does that mean? I think it means quagmire, stasis, sideways. It's not a strategy. MR. MCLAUGHLIN: There's no stasis in those situations -- none. MS. CLIFT: Right. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Democratic Party's claim in the campaign season that they were going to end corruption and special-interest involvement in Washington. It worked briefly. They will be proven wrong, but it was great spin while it lasted. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: The best spin out there is being done by Kevin Sheekey, who is Mayor Bloomberg's political mastermind, who has created the Bloomberg for president media boomlet that's out there, without any real help from Bloomberg himself. MR. MCLAUGHLIN: You don't think that Bloomberg created that in his heart? MR. O'DONNELL: I don't know what's in Bloomberg's heart. But I know Kevin Sheekey, his political guru, is pushing it. MR. MCLAUGHLIN: Do you think he's the best candidate in the field now -- not candidate, but he would make the best prospective president? MR. O'DONNELL: Strongest independent candidate. MR. MCLAUGHLIN: What does that mean? MR. O'DONNELL: It means you can win in this country if you're a billionaire who wants to run for president. Ross Perot showed that. If Ross Perot hadn't turned crazy by the end of the campaign, he could have won. MR. MCLAUGHLIN: Perot got, what, 23 percent of the vote? MR. BUCHANAN: Nineteen. MR. O'DONNELL: Perot beat Clinton in some states. MR. BUCHANAN: He got 7 percent in '96. MR. MCLAUGHLIN: What'd he get? MR. BUCHANAN: He got 19 in 1992, 7 in '96. MR. MCLAUGHLIN: Best spin of the year: Bush officials say that if we withdraw from Iraq, disaster will follow. We heard the same canard about Vietnam and we withdrew. MR. BUCHANAN: And disaster followed. MR. MCLAUGHLIN: The Asian dominoes did not fall. Today we have permanent normal trade relations with Vietnam and we regard Vietnam as a friendly country. Okay, the most honest person. MR. BUCHANAN: I'm going to give it to Robert Gates for that single moment when the senator asked him, "Are we winning in Iraq?" and Gates said, "No, sir." MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Indiana Senator Evan Bayh, who said he was dropping out of the '08 presidential race because he can't win. He didn't say it was for family reasons. He was honest. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Eric Cantor, Republican congressman from Virginia, who promised that he would support Roy Blunt in running for whip. His own members were urging him to break his word and run. He would have won. He could be in leadership. He gave it up to be honest. MR. MCLAUGHLIN: Lawrence, quickly. MR. O'DONNELL: The group of retired generals who came out against the Bush policy in Iraq. MR. MCLAUGHLIN: Most honest person of the year: David Walker, head of the Government Accountability Office. In testimony before Congress and on television, Walker speaks candidly and honestly and solitarily about the cost of the war and reconstruction. Okay, the most overrated. Pat. MR. BUCHANAN: James Baker and Lee Hamilton, ex equo. (Laughs.) MS. CLIFT: Karl Rove, who, days before the midterm election, claimed that he had the math and all the polls were wrong. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Barack Obama, who is today's most overrated politician. MR. O'DONNELL: Ned Lamont, who I personally overrated and thought could beat Joe Lieberman after first thinking Lieberman would beat him, but then Lieberman came back and won. MR. MCLAUGHLIN: Abu Musaab al-Zarqawi. We were told that taking him out would be a colossal setback for insurgents. Well, we took him out in 2006, this year, in June. Zarqawi was killed by a U.S. bomb. Since then, attacks have only escalated. The most underrated, Pat. We have about half a minute. MR. BUCHANAN: Howard Dean really hasn't gotten credit for his 50-state strategy, which quite frankly worked. MS. CLIFT: Right. That's exactly my nomination. Kudos to Howard Dean. MR. BLANKLEY: Hillary Clinton, who people are saying can't win, et cetera. I think she's in a powerful position. MR. O'DONNELL: John Kerry, who, despite conventional wisdom, is not out of the running for the 2008 nomination. MR. MCLAUGHLIN: Laura Bush and her influence on her husband's policies and politics. We'll be right back. (Announcements.) Okay, macro predictions. Pat. MR. BUCHANAN: Because of the collapsing dollar and the problems in the American economy, it is the recession of 2007 which will make it another -- how do they pronounce it -- annus horribilis for George W. Bush. MR. MCLAUGHLIN: The queen of England said that -- annus horribilis. MR. BLANKLEY: About the Windsor castle. MR. MCLAUGHLIN: What year? MR. BUCHANAN: It's about -- that was the death of Diana, 1996. MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Well, looking ahead for the next two years, with the Democrats starting investigations looking into various aspects of the Iraq war and reconstruction, I think there will be at some point a constitutional confrontation over subpoenas, with the White House not wanting to comply. And secondly, I think a lot of people are going to be leaving the Bush administration because they don't want to be there when the ship goes down. And they're going to have a really hard time filling some of those jobs with the Democratic Senate and confirmation taking months and the administration winding down. It's not going to be pretty within the Bush administration. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: Unless diplomacy works, and it doesn't look like it's going to, I think there's a high likelihood that President Bush will bomb Iran in 2007. MR. MCLAUGHLIN: Unlikely? MR. BLANKLEY: Likely, highly likely, in the absence of successful diplomacy, which he's trying at but which seems to be failing on all fronts. MR. MCLAUGHLIN: Lawrence. MR. O'DONNELL: There's no chance of him doing that. And when we do leave Iraq, which will probably not happen under -- it certainly won't happen under this presidency -- all hell will break loose. But if we manage the aftermath of the terrible disaster that occurs after we leave, if we manage that aftermath correctly, then American presidents will be able to visit Iraq a couple of decades from now just as safely as they visit Vietnam. MR. MCLAUGHLIN: I don't think Gates will go for that idea of bombing. MR. BLANKLEY: He's not president. MR. MCLAUGHLIN: Well, I don't think he's going to be overruled. Erosions of civil liberties, religious fundamentalism also, have created a backlash. Personal freedom will now be in demand. Our culture and our politics will be modified by an attitude of favor towards libertarian thinking. This translates into political support for moderates and liberals. Authoritarianism is on its way out. The shackles are off, Pat. The mirth revolution is underway, along with the libertarians. MR. BUCHANAN: Authoritarianism is not dead. (Laughs.) MR. MCLAUGHLIN: Libertarianism is on its way. Take note. Okay, New Year's resolutions. Pat. MR. BUCHANAN: I'll try to get finished and published my history tome of the British empire, "Churchill, Hitler and the Unnecessary War." MR. MCLAUGHLIN: Eleanor. MS. CLIFT: Now that Tony's down to his fighting weight, congratulations, Tony, on losing your evil twin. (Laughter.) I'm going to be nicer -- maybe. MR. MCLAUGHLIN: Tony. MR. BLANKLEY: With the exception of Eleanor, I'm going to get tougher on Democrats. I've been too nice this year. MR. MCLAUGHLIN: Quickly. MR. O'DONNELL: I will write no books, but I'll try to read one of Pat's. (Laughter.) MR. MCLAUGHLIN: More mirth in my new year. That's my New Year resolution. Mirth is underrated and so is unadulterated exuberance. Laughter is healthy and needed, so I'm going to seek more. Happy New Year. Gerald Ford, the 38th U.S. president. Was his pardon of Richard Nixon in 1974 the real reason why he lost the '76 election to Jimmy Carter? The McLaughlin Group, next week. END.


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A recent government contracts kickbacks case highlights the importance of an effective compliance program. This article examines the key takeaways of the case, why it is crucial it is to have an effective compliance program and, moreover, how critical it is to properly investigate when wrongdoing is alleged and to take the required actions where instances of improper conducted are identified.
READ: Boeing Kickback Case Is A Compliance Program Success Story

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"The key for A.J. -- if he gets in a little pickle -- is getting out of it, and getting out of it quickly," manager
"The other thing you look for with A.J. is strike one," Girardi had said, "because A.J. is the type of guy that can expand the zone with the depth of his breaking ball, and that's important."
In his 97-pitch outing, Burnett threw first-pitch strikes to 17 of the 25 batters he'd faced, a good ratio, and that control afforded him a 3-2 lead on the Rangers in Game 4 of the ALCS.
Unfortunately for the Yankees, Burnett threw 99 pitches on Tuesday night.
It was the 98th that did in both Burnett and his club. It was a 92-mph fastball, thrown on the level of
Pitch No. 99 was also a first-pitch strike -- 19 of 27, Girardi couldn't have hoped for better -- and
Once Burnett came out, the Rangers piled on, as they have in each of their three wins in the series, in the seventh, turning a tense 5-3 lead into a relatively comfortable 7-3 one, and then in the ninth, turning it into a 10-3 laugher.
Texas outmatched the Yankees in essentially the same way they have in every inning of the ALCS, with the exception of a single half-inning way back in Game 1. They keep hitting home runs -- four of them tonight (including two more from
They also keep receiving effective pitching. While starter
Even including that half-inning, the Rangers have outscored the Yankees 30-11, their team ERA is 2.75 to the Yankees' 7.71, and they have five regulars hitting over .300 in the series while the Yankees have only one -- Cano, who is batting .467 and suddenly seems the only Yankee who represents a real threat every time he steps to the plate.
The series is due to resume in New York on Wednesday afternoon, just under 16 hours after this most recent crushing Rangers win concluded.
"For this team to win three games in a row is not beyond the realm of possibility," said Berkman in a quiet Yankees clubhouse.
And indeed it is not. Even though Mark Teixeira seems to have been lost for the rest of the postseason
But with the Yankees about to play their fifth game of an ALCS, it is certainly something of a surprise, and telling too, that the best that one of their players can do is to suggest that it's "not beyond the realm of possibility" that they might win it.


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GraphicRiver Vector Flower Stock 8296825
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GraphicRiver Vector Flower Stock 8296825
Stock Vector \ Conceptual \ Nature \ Flowers & Plants
Flower \ Floral \ Vector \ Beauty
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For any help regarding this file, please feel free to contact me. Thank you!
Retro Transportation; Pack Volume 2; Vector Pack Volume 1; Vector Skulls Collection.
Keywords: Flower Vector, beauty, floral, flower.


text:
ITI North East is a regional group of the Institute of Translation and Interpreting, a national organisation founded in 1986 in order to
* promote high professional standards for translation and interpreting services;
* serve as a meeting place for practitioners and users;
* offer advice to translation providers and potential employers and customers;
* establish links with local education establishments to offer practical advice to those wishing to enter the profession.
Our regular events include talks and discussions on topics relevant to translators and interpreters, as well as organised walks and other social events. It also keeps members informed of national ITI developments and other local language-related events.
Membership of ITI North East is open to anyone involved with languages (not just national ITI members).
To find out more:


text:
Broke Straight Boys
David Hardy and Ricky Evans
Category: Bareback, Straight Guys, Gay For Pay
Pornstars: David Hardy,Ricky Evans
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David Hardy is back, but this time with the cute newbie Ricky Evans. Ricky gets fu*ked hard by David and gets that tight little asshole stretched!
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How can i pass my schools proxy?
August 18, 2012 by admin
Filed under Discussions
Question by ME: How can i pass my schools proxy?
How can I get passed my schools proxy easily without getting caught? I go to middle school in a small town that has smart kids, but they aren't smart enough to really figure out how to pass the proxy, so the chances that they would suspect a student of passing it are small.
I am on a small network, most likely with 1 proxy. I don't know how much more information you need, hope its enough.
Best answer:
Answer by Bill Hamilton
Well, you are thinking like a middle-schooler.
"without getting caught" is never "easy". Surely you are not waiting for which checkbox in the Advanced tab to check.
I assume you are including yourself in the smart kids group.
Even your own argument sounds like the designers of your schools network security have designed it above the level of the smartest kids, which if they only did that (not likely) then it is high enough to keep out the whole population it is meant to keep at bay.
I bet each system is assigned an intranet IP number. Chances are the network is designed such that all http/https (80/443) traffic must go through a proxy server. There is probably only one if the school system is small. Could even be an appliance…even a brand the best corporations purchase. The smartness of middleschoolers have not even been factored in.
Be careful. Only someone who didn't need to ask this question has a remote chance of not getting caught.
If you still want to proceed, provide some details of what you can find out about the network architecture of your school.
But…consider yourself warned!
Please DO NOT use any of these proxies that people are offering up. Everything you send across them is captured and all these programs can be configured to send your websites, usernames and passwords to the crooks that put them up. (I mean most login forms use username and password variable names so its not hard to skim it.)
You might think you are clever and know how to switch your proxy setting on your browser back and fourth but the second you forget and check your bank balance or web based mail program, they have you…they own you and they can go read your web based email at that point and start finding out where you have accounts…reset your passwords to what they want them to be and…well, I hope you can imagine. Do you know how much it would take to straiten that out?
Is access to these sites worth risking identity theft?
Know better? Leave your own answer in the comments!


text:
I Think Life Is Hell Sometimes
Personal Stories, Advice, and Support 89 People
Life Can Be Hell ...
xxbloodlustxx 13-15, F 2 Responses 0 Mar 9, 2009
Who KnowsMaybe life is hell, and what we think of hell is actually wrong. Maybe hell is better than the place we are living in. Maybe this is heaven? No, i think this is hell.
Candybitch 18-21, F 2 Responses 0 Mar 11, 2010
It Can Be Torturing!Things don't always go the way I want! I often feel overwhelmed! And I feel alone and don't know what to do at times!!!! Life isn't always bad but a lot of the time it can be hell for me!
depressedmommy 22-25, F 7 Responses 1 Mar 8, 2009
Its The People!!!!People can make life a living hell. Forcing their ideas on you. Clicking up and pushing you out--when they are incompetent, jealous and greedy.
TrustNobody 26-30, F 1 Response 0 Jan 9, 2010
I'm one of those peoplewhere LIFE happens. I'll be 23 this year and still love with my parents. Before people make judgement here is my story. I did one year of college & after that I knew that college just wasn't for me. Don't get me wrong I love reading & learning new things it's just I'm a hands on...
DaCreativeChild 22-25, F 0 Oct 14, 2014
Oh My God...im So Dam Sorry...sh** sh** sh** sh** sh** sh** im sorry but i have to... Its been awhile since i came on EP, and im sorry for waiting so long. But, the reason to that is: 1)the hospital 2)Dam Ex bf 3)Friends 4)Education My grandpa died, and because i was "extra" sad about it, and it was too...
Aliahxx 13-15, F 0 Dec 3, 2012
I Think One Should Control Their Own Life And Not OthersI Think One Should Control Their Own Life and Not Others.I do believe it is Hell here on Earth when we don't have Control of our own Lives. I do think other people exaggerate that we can always have control of our lives, from somebody's else's own bias expectations...
ChakraSolipsismMGP 56-60, M 0 Jan 8, 2010
My big sister sometimes just wakes upand jumps into my bed and cries and bawls for an hour at the least and there's absolutely no reason for it. It's a tragic sight to see her cry like that and I don't know what to do. It just breaks my heart and I walk around tired the next day.
hellerpeople 18-21, F 1 Jan 27, 2015
I Was Recently Told By One Of My Friends That I Can Be Very Mean Without Realizing It.....i tend to always OTL in soclizing suitations..... such as family get togethers or at church or youth and i thought that mabye it was becuz i was mean and nasty sometimes..... i am also VERY VERY VERY shy in these suitations but if do make good friends with some one...
angelofhiddenpain 13-15, F 1 Response 0 Oct 10, 2009
If There Is A God? I Think Life Here On Earth Is HellIn this Life that we can experience about everything and the Bad is really a sense of 'Hell', but what we all think is Good, has been an Illusion. What I See as almost Good, but hoping to have what it takes to complete the Good, ends up being a wicked Goose Chase...
ChakraSolipsismMGP 56-60, M 0 Apr 15, 2010


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If you're looking for solutions to make your garage a more versatile and usable space, look no further. Whether you need strong, durable flooring or a storage system that can make sense of your tools, we have the answers that will suit your needs. Locally owned and operated with the best 20-year warranty in the industry, we will meet or beat competitors with like products by up to $250!
No two garages are the same, so it only makes sense that each has its own unique requirements. We specialize in providing customized service for your specific needs.
We offer over 25 different styles and colors of epoxy garage floor coverings to choose from at Superior Garage Décor & More.
Custom cabinets are a great addition for any garage. Our locally designed and built cabinets are available in many options.
From pegboards, cabinets and shelving, we have the experience to design and install the perfect storage system for your needs.
We are a Lifestyle Screen Door dealer offering custom made screens to fit any size garage or space to keep the bugs out.
Superior Garage Décor & More is your Sioux Falls contractor specializing in designing and building the garage of your dreams!
The Lifestyle garage door screen is a fully retractable garage screen door that works with your existing garage door to create a cool, pest free and private space. The Lifestyle door technology features an industry first, fully retractable passage door for ease of entry and exit without having to retract the entire system. With a fully spring loaded system similar to a traditional garage door, the Lifestyle system is extremely easy and quick to open and close.
Go from a dark garage to a cool, bright and pest-free space in seconds with our unique Lifestyle garage door screen installation in Sioux Falls, SD. When you're done enjoying the great outdoors, simply retract your Lifestyle garage screen system and close your garage door as usual. It's just that easy!


text: EU justice and internal security agencies meet at eu-LISA 12/06/2015 Rollup Image Page ContentOn 10 and 11 June nine European Union Agencies, operating in the field of freedom, security and justice, convened in Tallinn to hold two meetings under eu-LISA's 2015 chairmanship of the Agencies' network. The expert level meetings focused on fostering exchange of information, defining areas for synergies in the field of training and discussing the agencies' cooperation in combating terrorism. On 10 June the training experts from the Justice and Home Affairs (JHA) Agencies Network talked about e-learning tools and elaborated on the learning management systems. They examined the possibilities for the establishment of a common pool of trainers for certain areas of training and discussed new fields for cooperation in training by the JHA Agencies. The second meeting on 11 June encouraged increased awareness about and the exchange of existing reports created by the Agencies and focused on the added value of joint initiatives in the field of IT. Cooperation between Agencies in the field of combating terrorism, in particular foreign fighters, was also discussed. The next meetings of the JHA Agencies will take place on 2 July at the Operations Department of eu-LISA in Strasbourg and on 6 October at the eu-LISA headquarters in Tallinn. BackgroundIn 2015 eu-LISA is holding the chairmanship of the Network of the Justice and Home Affairs Agencies. These are:eu-LISA - European Agency for the Operational Management of Large-Scale IT Systems in the Area of Freedom, Security and JusticeCEPOL - European Police CollegeEASO - European Asylum Support OfficeEIGE - European Institute for Gender EqualityEMCDDA - European Monitoring Centre for Drugs and Drug AddictionEuropol - European Police OfficeEurojust - European Union's Juridical Cooperation UnitFRA - European Union Agency for Fundamental RightsFrontex - European Agency for the Management of Operational Cooperation at the External Borders of the member States of the European Union Contact:email@example.com Meta Tags: JHAA; Training; Cooperation


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IPL 2017, MI vs RCB: Rohit Sharma's resolute knock to help Mumbai ace a tough chase is SK Turning Point of the match
The elegant right-hander's unbeaten fifty propels MI to the top of the table.
Last month, Rohit Sharma was asked why he did not open the innings for Mumbai Indians. The elegant right-hander responded by alluding to last season wherein Mumbai Indians struggled to get past the finishing line during tricky chases.
Extra Cover: IPL 2017, MI vs RCB – Player Ratings
He vindicated his statements by rising to the occasion and helping his side complete a difficult chase against Royal Challengers Bangalore. Scoring his second half-century of this edition, the skipper delivered a five-wicket triumph for Mumbai which consequently propelled them to the top of the points table. Here's how the events transpired at the Wankhede Stadium.
Regular wickets put RCB on top
Earlier in the day, Virat Kohli won the toss and decided to bat first on an even-paced surface. Alongside a new opening partner in Mandeep Singh, the skipper got his team off to a breezy start. However, both batsmen fell within quick succession of each other to restore parity.
Coming into this game on the back of some poor form, AB de Villiers looked quite fluent under slightly better batting conditions. But his inexplicable struggles against Krunal Pandya continued as an error in judgment ended a sparkling 27-ball 43. When all-rounder Shane Watson perished immediately, RCB were in serious danger of collapsing in a heap.
Extra Cover: Krunal Pandya claims AB de Villiers for the fourth time; sends him back with a cheeky gesture
A plucky partnership between Pawan Negi and Kedar Jadhav steadied the ship. While the left-hander smashed three sixes in his aggressive knock, the latter pierced the gaps and kept rotating the strike. As a result of their efforts, the visitors were able to reach 162.
Mumbai's chase began rather shoddily as opening batsman Parthiv Patel tamely perished in the first ball of the innings. On the other hand, Jos Buttler began to lay into the total with a flurry of boundaries. Making his intentions pretty clear, the England star seemed to set a solid foundation. As is often seen, one breakthrough can lead to another and change the flow of the game.
Negi brought the Royal Challengers back into the contest by removing Buttler and the in-form Nitish Rana in the space of 11 deliveries. When Kieron Pollard's slog found the safe hands of Travis Head and Krunal retired hurt, Mumbai found themselves in dire straits at effectively 101/5.
Rohit gets himself in
Meanwhile, at the other hand, Rohit was slowly playing himself in. Acknowledging that the situation placed an extra price on his wicket, he remained averse to taking risks during the early part of his innings and instead attempted to manoeuvre the field.
It was hard to comprehend why Kohli did not allow Yuzvendra Chahal to have a crack at Mumbai's captain who might have been vulnerable at the start of his innings. With the right-hander's weakness against leg-spinners coming to the fore this season, RCB missed a trick. Against the likes of Watson and Negi, he appeared quite comfortable at the crease.
After settling in, Rohit was able to judge the pace of the surface much better. In a pivotal moment of the match, he plundered consecutive boundaries off left-arm seamer Aniket Choudhary and managed to bring the required run-rate to a shade under ten as the last five overs loomed.
The home team's chase suffered a setback when Karn Sharma pulled a back of length delivery from Watson into deep square leg's throat. The hard-hitting Hardik Pandya arrived into the cauldron of pressure.
Timing the chase to perfection
With 30 runs required from the last three overs, RCB needed to see the back of Rohit if they were to silence the buoyant crowd. The 30-year-old played the circumstances smartly by formulating to stay till the very end.
Upon getting six runs off the first five deliveries of Choudhary's final over, Mumbai roared once again when Hardik sent the ball flying past the boundary. The maximum came exactly when his team needed it.
Rohit all but sealed the game for MI with one of the most breathtaking shots in the season thus far. After Sreenath Aravind went a long way in almost telegraphing that he was going to deliver a slower ball, he nonchalantly swept him for a six over square leg's head.
The skipper brought up his half-century and retained the strike for the final over. With Kohli's field placements protecting the boundary ropes, he and Hardik looked to take singles. At a stage when two runs were needed from the last two balls, Rohit fittingly scored the winning runs with his trademark scorching drive through the off-side.
He had timed a tough chase to perfection.
Watch Rohit Sharma's match-winning knock here


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I'm only doing this out of habit. Not here for friends -- in fact, I'm only interested in conversing with a couple of you, and I don't even think that small handful uses this site often from what I've seen.
Hopefully this isn't like the last "non-PC" forum that would rather drone on about not getting laid rather than trying to live by the site's motto/foundation. If it isn't, then we'll get along famously.


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View Single Post
July 13th, 2009, 02:53 AM
Fly away on my zephyr
Join Date: Feb 2006
Location: Manchester, UK
Posts: 66,539
Those are wonderful suggestions. I love the idea of collecting seeds for kids to play with or make crafts with. I think I will start collecting seeds now, even though Daniel's a bit too young.
I usually do enjoy nature walks around this time of year and collecting natural objects, especially pine cones! And I think I will definitely look at baking a blackberry pie and maybe some biscuits of some description.
How would you go about making a wreath, Megan?
Here is the research on Lughnasadh I did for the calendar:
Traditionally this is the festival of the Celtic god Lugh, and later, the Anglo-Saxons marked the festival of "Loaf-mass" at this time, which became the Christian Lammas in the Northern Hemisphere calendar (August). Many Pagans in the Northern Hemisphere today celebrate this feast day on Lammas - both are marked on our calendar, as well as the Southern Hemisphere date for Lughnasadh.
This is also the first day of the harvest which concludes at Samhain. Symbols connected with corn may be used at this time.
View Public Profile
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Alan Sepinwall's Top Ten TV Shows of 2014
Description:HitFix TV critic Alan Sepinwall breaks down his top ten television shows for 2014.
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The Revised Third Edition is updated to reflect the 2005 emergency cardiac care guidelines, and includes an all-new DVD-ROM featuring 64 medical animations that showcase anatomy & physiology and procedures. This book gives you everything you want in a paramedic textbook... and more! Updated, expanded, and packed with valuable new support materials, Mosby's Paramedic Textbook, 3rd Edition, is a comprehensive learning tool for both first-time and refresher paramedic students. Offering complete coverage of the 1998 U.S. D.O.T. National Standard Curriculum (NSC) for the EMT-Paramedic, as well as enhanced content for further learning, this comprehensive textbook contains everything in one convenient volume. Instructor resources are available; please contact your Elsevier sales representative for details.
This is a comprehensive textbook that covers many areas of prehospital care. It is divided into various sections including the prehospital environment, preparatory text, trauma, medical emergencies, obstetrics and gynecology, neonatal emergencies, and behavioral emergencies. This book, designed as a textbook for the paramedic student, includes a wide variety of information written by experts in each field. Written primarily for paramedic students, the book also provides a good review for current EMT-Ps and RNs entering the field of emergency medicine. The textbook is divided into sections, then chapters. Each chapter is highlighted with specific information for the student to review before reading the chapter. After the chapter is a complete summary of the contents of the chapter. There are many high-quality illustrations and graphs presented in an easy-to-understand format. This is a complete textbook for the EMT-P student. When included in a course with expert lecturers and practical sessions, this should provide a comprehensive course for the EMT-P student.


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*Porto Allegre, Brazil, June 29, 2011* – OW2, the global open source community for open source middleware and generic applications today announces its first participation at the FISL Conference, scheduled from June 29 to July 2 in Porto Alegre, Brazil. At FISL, OW2 have a booth and its speakers will give several presentations illustrating the organization's activities in open source cloud computing.
Read the full release.
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Mediterranean Youth Hostel
Real Reviews
Real reviews from fellow travellers
These are trusted reviews from guests who have actually stayed here. We hope you find them helpful.
Note: we only give a property a rating once it has received a minimum of 3 reviews.
- Page:1/1
- " Great location and staff--and excellent restaurant recommendations! Yumm~ "
- 31 Dec 2016 Anonymous USA
- " very nice people, greatly help solve our problem "
- 25 Oct 2016 Zdenek Czech Republic


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GraphicRiver Signs 10063361
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GraphicRiver Signs 10063361
Stock Vector \ Objects \ Man-made Objects
White \ Series \ Pole \ Picture \ Paper \ Pattern \ Template \ Wood \ Writing
Stock Vector - Signs 10063361 by interactimages @ GraphicRiver
Stock Vector \ Objects \ Man-made Objects
Layered: No; Graphics Files Included: Transparent PNG, JPG Image, Vector EPS; Minimum Adobe CS Version: CS.
Illustration of different designs of wooden signs
Birds; Boy and a Bunny; People; kids; Six different species of birds; Wooden Signs; Chocolates;
Keywords: banner, blank, board, border, bulletin, cartoon, collection, empty, group, isolated, log, many, message, noticed, on white, paper, pattern, picture, pole, series, set, square, template, text, texture, white, white background, wood, writing.
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text: Our research for our newest project, a book about the retail record store in America, led us to Cleveland, OH, to interview the Rock and Roll Hall of Fame's president and CEO, Greg Harris. Greg opened the Philadelphia Record Exchange in the 80's and had some great insights into the retail side of the music business. Then we were given an all-access, behind-the-scenes tour of the museum. Later we went and visited the fabled house from A Christmas Story because, well…because we HAD to!!! We got to see some really cool stuff and we took a bunch of pictures.


text:
Video categorization gains traction for Veenome
Veenome Inc. has found its footing.
The D.C. startup launched with big ambitions for recognizing, tagging and indexing specific products that are in digital videos.
But one aspect of its business — categorization — is gaining real traction among content publishers and advertisers.
As it turns out, Veenome doesn't need to identify exactly which brand of watch Flo Rida is wearing. Software that can cheaply and easily identify a Web video as "automotive" or "technology" on a mass scale is valuable enough for Veenome's customers.
CEO Kevin Lenane raised $500,000 in seed funding last year and is in the midst of another round of convertible debt in the "hundreds of thousands of dollars."
The latest investors, Lenane said, include local angels Glen Hellman, Dave Sandrowitz and Raymond Raybar, as well as prior funders such as Google Inc. executive Norman Rohr. The company's head count now stands at five. Lenane plans to use the funds to hire two more developers.
Lenane, an archaeology major, is a former project manager and mobile director for PointAbout Inc. When PointAbout's consulting business was sold to Fairfax-based Three Pillar Global Inc. last year, Lenane used his retention bonus to bootstrap Veenome.
Veenome's core product is an API, short for application programming interface, which it licenses to clients. Those clients fall into two categories: sites that host video content, such as Videofy.me, and ad networks. In both cases, Veenome employs a combination of algorithms and crowd-based human matching to generate data on a video, which it can then categorize and subcategorize appropriately.
For an advertiser, Veenome can be used to provide intelligence on an ad campaign, offering information on what categories of videos generated the most action from pre-roll ads (pre-roll refers to those 30-second spots that viewers are subjected to before they watch the video they clicked on).
For a video-hosting site, Veenome provides a way to make more money on those pre-roll ads. The price of Internet advertising is measured using a calculation called CPM, or the cost per 1,000 views. An ad running before generic, unspecified content generates less for a publisher than video content that is tagged as a specific subject matter, which gives advertisers a way to target their audience.
"Basically, Apple will pay more to advertise in technology videos," Lenane said. Using Veenome, he added, a publisher can turn user-generated content that would normally generate an average
$4 CPM to $10.50 CPM.
This isn't just some ad-man gobbledegook. Badly targeted video content is a waste of everyone's time. Take my own traumatic experience this weekend: Before I could watch "Saturday Night Live" on Hulu, I got a pre-roll ad for Microsoft Corp.'s Windows Server 2012. In no conceivable world would I be in the market for a server operating system. How many SNL viewers like me did Microsoft go through to get to that one CIO?
✒Startup Maryland has a bus. This bus is traveling the state, looking for entrepreneurs who will pitch their idea to investors, via video.
What do the winners of the "Pitch Across Maryland" tour win, exactly? The winners get to pitch.
The best of the bunch wins the right to solicit venture cash at the Maryland Entrepreneur Expo on Nov. 13 at the BWI Airport Marriott in Linthicum, Md.
So yes, it's a long road from hopping on the bus to, conceivably, getting a check in hand. Even so, the bus has generated some interest. Organizers expected the rolling, virtual venture capital office to have hosted about 100 startups by the time it wrapped up this week.
The 2 ½-week tour ended Sept. 28 with a celebration at the Merriweather Post Pavilion in Columbia.


text:
Peterborough, United Kingdom (PressExposure) May 18, 2012 -- Blueprint Joinery Ltd, the leading distributers in Stair parts [http://blueprintjoinery.co.uk/categories/Axxys-Stairparts-/] and accessories, are announcing the introduction of an exciting new product within their vast range.
Blueprint Joinery Ltd are offering the simple solution to a staircase overhaul.
The Axxys Squared Stair part range was designed to revolutionise the way in which stairs are supported and dramatically alter the look and feel of the modern staircase. The unique design means the stair parts can be simply attached to any current newel post and the metal spindles fit easily within the hand and baserail without cumbersome brackets
Axxys have produced a product, which enables a simple solution to the changing in design of the staircase. Homeowners are able to modernise their home features in the simplest of ways. By replacing the hand and base rail with one small bracket design, the look of an important home feature can instantly be changed.
The chrome fittings with oak hand and base rails can be incorporated into the style of any home. The elegant style and flawless features means this new type of staircase will see a surge in popularity and demand.
The purpose of the product was to combine an easy to fit staircase balustrade solution that incorporates a retro feel for the modern home, a purpose which has successfully been achieved. A home can be transformed from traditional to contemporary with the installation of such a simple product.
"The introduction of the new Axxys Squared Stair Parts [http://blueprintjoinery.co.uk/categories/Axxys-Stairparts-/] to our product range, means we are able to offer our customers an extensive number of designs to allow them to change the look of their homes in a way which suits them, and in the simplest way possible."
John Clements, Blueprint Joinery Ltd
For more information on the Axxys Squared Stair part, visit the Blueprint Joinery Ltd website http://blueprintjoinery.co.uk/. The product is available to purchase now.


text:
Study: Labeling Foods 'Healthy' Ends Up Being A License To Pig Out
Shocked, I tell you.
People will choose larger portions of food if they are labeled as being "healthier," even if they have the same number of calories, according to a new study.
"People think (healthier food) is lower in calories," said Pierre Chandon, a marketing professor at the INSEAD Social Science Research Center in France, and they "tend to consume more of it."
That misconception can lead to people eating larger portion sizes of so-called healthy foods, and therefore more calories.
Some nimrod politician somewhere will use this as an excuse to get even more involved with our dietary choices. The stupid people are forever screwing things up for those of us who paid attention in the fourth grade.


text:
Tuesday, 11 November 2014
Sorry shoes
This time last week, I took the McBaby to get a new pair of shoes. We got his feet measured, he wouldn't sit still and then we left without buying them because the McBaby was messing about and nearly accidentally kicked a little boy. His mother growled at me as if he had kicked him, so we made a swift exit.
I then realised that I could order the shoes online. Then, all I'd have to do would be to run in, collect them and pay for them, meanwhile getting rich via a cashback site (this didn't work in the slightest. I was promised 6% but received 20p. I'm terrible at maths, but 6% of £34 is not 20p, is it?)
Anyway, I think Clark's deserves this money after our two performances.
We returned to the store, and I don't know about where you are, but it's pretty wet today, cue much jumping in puddles. The McBaby also partook of this activity (I'm joking; I didn't) so had wet trousers, wet socks and wet shoes.
The woman in the shop asked if we "wanted any help on kids", and then remarked that she recognised us from our last visit. I bet she did! I told her that we'd come to collect some shoes which she went to get while I wrung out the McBaby's wet clothes. I then realised that the bag containing his spare clothes was in the car. (If you saw me a bit later drying a very small pair of pants, two socks and a pair of trousers in the Dyson hand drier in John Lewis, this is why).
She returned. The McBaby threw a pair of pink girls' shoes at her. This is an insult in some countries, and not particularly pleasant in ours. I asked him to apologise.
"Sorry shoes", he said, the little sod.
She then had to fit his shoes in his bare feet as his socks were so wet. "This isn't normal procedure" she said. "They're fine," I said, embarrassment winning out over the parental responsibility of ensuring your child's shoes fit.
I went to pay for them and the McBaby made a den under a couple of chairs. I paid and thanked my lucky stars that he had only done a couple of embarrassing things when he yelled; "I DONE A WEE". Cue much frantic whispering between the lady and her surly colleague. Probably pointing out that it should be "I DID a wee" not "done".
I sheepishly asked for some kitchen roll and apologised while on my knees cleaning up what was, to be fair, a minimal amount of wee.
"It's fine" she said in that voice that tells you it really, really isn't.
So McBaby, please don't let your feet grow anymore, as we are not returning; I'm too embarrassed and we're probably barred anyway.
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Kreha Corporation of America can be found at Sw Griffith Dr 5075. The following is offered: Industrial Importers. The entry is present with us since Sep 8, 2010 and was last updated on Nov 14, 2013. In Beaverton there are 12 other Industrial Importers. An overview can be found here.
Kreha Corporation of America is located at 5075 SW Griffith Dr, Beaverton, OR. This location is in the Central Beaverton neighborhood. This business specializes in Importers and Manufacturing & Industrial Supplies.


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Thai asian sweet potato recipe
There were 3 sweet potatoes left on the counter. Im tired of eating the same ole style so I added a Thai Asian twist to them.
Cooking with yogurt to make a healthier dish
Just because you make a dish healthier does not mean it has to lose its flavor. Using yogurt in a dish can add that moisture you need without the extra added calories.
Salad Utensils Made of Bread
Save time washing dishes by making some fun edible salad utensils. If you want to wash a few less dishes then make some edible soup bowls.
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Today we have brought you three really cool party ideas to make your party a success… I cant even begin to tell you how many times I have been to a party and have lost my drink. So the first thing on your list is a marker to help you keep track of your drink.
MMMVelopes Bacon Flavored Envelopes
The real reason everyone switched to e-mail? No, it wasn't about the convenience—it was about the gross taste of licking envelopes. But now there's Mmmvelopes, the bacon flavored envelopes. You'll find yourself sending a lot more letters and canceling your paperless billing thanks to this delicious paper product. They're not made of bacon, they only taste like it, so there's no need to replace your filing cabinet with a mini-fridge just yet.
Have you ever agreed to do something and then regretted doing it? Agreeing to scald a pig sounds easy enough… Well let me tell you Its not! lol This was the journey I went… This is an old fashioned hog slaughter!
Makin' Bacon
There is a saying that old pig farmers hope to be reincarnated as boar hogs when they die. I believe it after yesterday. Sow #9 was living under the hill in the 8 acre "Fishing Hole" paddock with 8 other sows all of which are scheduled to breed in December. The gestation period for pigs is 3 months, 3 weeks & 3 days so my plan is to introduce the boar to the ladies around the first of December so the baby pigs will be born outside in April when it is warmer.


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9 News Now at Noon
CBS September 22, 2011 12:00pm-12:30pm EDT
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hello, i'm jaycee hayward. thanks for joining us. it appears we are headed to a third straight day of losses on
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wall street. today's poor performance comes amid fears of a global recession. >> reporter: right after the opening bell rang, the dow took a nosedive, dropping more than 350 points. sinking united states stocks followed markets around the globe. investors worldwide were not impressed by the federal reserve's latest effort to boost the economy. >> i don't see how that is really going to help the market per se in the long run. >> reporter: the fed's new plan, called operation twist, will use $400 billion to try and drive interest rates down even further. that is supposed to encourage business to his borrow more money, spend more, and ultimately, hire more employees. but united states corporations are already sitting on huge piles of cash, and don't have any plans to part with it. some economists believe we are headed for another recession. that fear is keeping businesses from spending. the problem is, consumers aren't spending either. 40% of americans say they have cut back their budgets over the
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past two months. and the housing market continues to struggle. home prices are down, and interest rates are at historic lows. but loans are hard to get. economists believe the fed's new plan would do little to help housing, boost jobs or get americans to start shopping. >> getting people working again, getting them out there. and this will not do it. >> reporter: though the economy is caught in a bind, no one wants to spend until they see signs things are getting better. but the economy can't improve until consumers and businesses do just that, open their wallets and start spending again. cbs news, wall street. let's take a look at the big board. as you can see, the dow is down nearly 400 points. and that is more than 3%. president obama is hitting the road again to promote his jobs plan. the president says that his $450 billion plan is needed, in
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order to create jobs. so president obama is heading to cincinnati and the key swing state of ohio, and the home state of house speaker republican john boehner. an aide for the speaker called the president's visit a political stunt. prince mortgages county police are investigating a homicide in capital heights maryland right now, a man was found fatally shot on bening road near keith street around 4:00 a.m. he later died. police are looking for the gunman as a motive in this shooting. the driver of a scooter critically injured in an overnight hit and run accident unfortunately has died. this happened on rockville pike on route 28. montgomery county police closed the pike down in both
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directions. it made for a terrible morning commute. >> reporter: the helmet of a scooter driver in the middle of the rockville pike. his scooter, about a mile down the road, still stuck to the car that hit it. that was the gruesome scene montgomery county police responded to around 1:30 thursday morning. the scooter had been heading north on the pike when it was struck from behind by the buick. the male driver of the scooter hit the buick's window, before being tossed to the ground. but the driver of the car just kept going. >> the operator of the buick continued north for approximately one mile, until he was stopped by police. and the scooter was still attached to the front of the buick at that time. >> reporter: the driver of the scooter was rushed to the hospital, where he later died. the driver of the buick is in police custody. >> we are interviewing him, trying to get as much information as possible about what happened. >> reporter: also trying to figure out what happened was the accident reconstruction team. their investigation shut down the pike in both directions for most of the morning rush. it made for an ugly commute for
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montgomery county drivers. as for the driver of the buick, he is being tested for drug and alcohol use and he could be facing a hit and run charge once the investigation is complete. >> he did not remain on the scene. police stopped him a mile away. i don't know what was in his mind. >> reporter: in rockville, kristen fisher, 9news now. police say the 30-year-old roberto that'ser was behind the wheel of the buick that struck and killed charles dalton of penn. investigators have uncovered a scheme involving fraudulent unemployment checks allegedly mailed to a member of the supervisor's family. the former supervisor is gabby fraser and she is active in dc politics, especially in ward 8. she is a democrat. we asked the director of employment services whether the
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fraudulent investigation is limited to fraser and the response was, she wasn't sure. they were turning over information to the city's inspector general. the maryland transportation authority is expected to approve a slate of toll hikes. tolls on the pay bridge and the harry nice bridge are expected to go up to $4 in november and then up to $6 in 2013. the hikes are less than the ones originally planned. the republican presidential candidates square off in another debate tonight at 9:00 in orlando, florida. the event is co-sponsored by fox news and google. the two officers charged with beating a university of maryland student have exemplary performance records, according to the president of the prince georges county police union. who can forget the rowdy celebration that took place in college park in march of 2010?
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officers james harrison and reginald baker are under indictment for the beating of john mckenna. mckenna was among thousands celebrating maryland's basketball victory over duke that night. the justice department is also investigating. prince georges county police detectives canvassed neighborhoods in forestville last night. they are looking to solve two sexual assault cases. in one instance a woman was grabbed, but she escaped her attacker. in the other incident, the victim was dragged into a wooded area and then attacked. officers handed out flyers in the townhomes on wild rose court and also at a nearby shopping center. the man shot during an armored car robbery in northwest washington, unfortunately, has died. detectives are talking to witnesses about yesterday's shootout that occurred in front
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of a cvs in northwest washington. bullets started flying when two men tried to rob an armored car. one of the robbers is still on the run. guards, however, shot the other robber in the head, and he died. no one else was injured. the once controversial muslim center, which is two blocks from the world trade center site, has opened its doors. park 51 is open to people of all faiths, and it includes a 9/11 memorial. some say that the mosque is an insult to the september 11th victims and they are fighting the developer in court. still to come when 9news now continues, find out how tropical storm lee is lending a hand to novice and professional archaeologists. and we have details on the two americans who were once
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held captive in iran. we'll be right back. [ agent ] so your policy looks good, is there anything else? why did you buy my husband a falcon? thanks for the falcon. i didn't buy anyone a falcon. sure, you did. you saved us a lot of money on auto insurance. i used that money to buy a falcon. ergo, you bought me a falcon. i should've got a falcon. most people who switch to state farm save on average about $480.
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what they do with it, well, that's their business. oh, that explains a lot, actually. [ chuckles ] [ male announcer ] another reason people switch to state farm. aw, i could've gotten a falcon. [ male announcer ] get to a better state. [ falcon screeches ] a new report from environment maryland, washington and baltimore have some of the highest smog. >> reporter: our report also finds residents in the dc metro
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area, including virginia, were exposed to air quality that made it dangerous to breathe on 33 days last year. >> environment virginia outlined the conclusions of their report yesterday in arlington. the researchers believe that the problem is actually worse than previously believed because of outdated air quality standards used in prior reports. some bge customers were left without power for days after hurricane irene and now, they may end up paying for it. literally. bge says that 750,000 customers lost power for an average of 37 hours, and it cost $81 million to get the power back on. the utility may end up passing that cost along to customers. however, before they do that, it has to be approved by the maryland public service commission. coming up next, howard in
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the forecast. >> reporter: turning out to be a decent day. flood watches up. and good news bad news on the allergy update. as we look at it, we are absent all the trees and the grass. but mold is high. our forecast for the 7-day when 9 news now returns.
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call or click today.
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the two american hikers released from prison in iran are spending their first full day as free men in over two years. they will soon leave oman, and head home to the united states. tina cross has more on their taste of freedom. >> reporter: the freed hikers are spending a quiet day with their families after a night of overwhelming celebrations. shane bauer and josh fattal were freed wednesday after being jailed as spies for 782 days in iran. >> we are so happy we are free and so relieved. >> reporter: the reunion was especially emotional for shane bauer and his fiance, sarah. she was also jailed on spying charges. iranian authorities released her last year, but the men had to wait one more. >> two years in prison is too long. >> reporter: their freedom came on the eve of the iranian
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president ahmadinejad's speech to the united nations general assembly. he has tried to claim credit for the pair's release. but the sult tan of oman, paid $1 million in bail. >> our deepest gratitude goes to his majesty for obtaining our release. >> president obama is thrilled with the news but, like the rest of his administration, believes the hikers never belonged in jail. >> they have a chance to reunite with their families and decompress. >> reporter: there is no word yet when the men will leave for america. family members in the united states say after two years of uncertainty, they are just thankful to know the men are coming home. >> the hikers were arrested in july of 2009, near the iran/iraq border. they say they got lost and
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wandered into iranian territory. if you dig for dinosaur bones you probably already know about the dinosaur park in laurel, maryland. but did you know about a big discovery there? dave hacker, of silver spring, likes to hunt for fossils. and following tropical storm lee, he came to an open space, he said he knew he had a good chance of finding something after the storm washed away tons of soil and clay. >> it appears like a limb bone, an armor leg bone. >> experts from the smithsonian were brought in to help dig out the bone. they suspect that it actually came from a plant-eating dinosaur that roamed maryland 12 million years ago. and about nine other smaller fossils have been discovered
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since the storm. neat. >> reporter: weatherwise we are going to get more potentially heavy rains as we head into the day tomorrow. a lot of moisture in the atmosphere. today, pretty quiet. got sunny breaks there. but with the heavy rain potential tomorrow, the national weather service about a half hour issued a flash flood watch for much of the metro. that goes friday morning through friday night. it does not include calvin and st. mary's, the flash flood guidance, the amount of water needed to cause flooding, is not as high there as it is, let's say, around the metro. we have high water from irene and lee hammered us not that long ago, so it is not going to take that much potentially to cause flooding tomorrow with the heavier rains. today decent, compared to what we have been. partly to mostly cloudy. pushing the 80-degree mark. slight chance of a shower here and there as we go through the afternoon and evening hours.
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looks as if maybe even lighter showers. overnight the rain showers will pick up. 9:00 still at 73 degrees. a couple of showers this morning, drizzle, fog. once you look at the satellite midday here, seeing some of the darker areas, you see the sunny breaks, the light areas reflecting the sunlight. there is a stray sprinkle going on now. temperatures into the upper 60s. low 60s in the than endoa-n in the than endoa-- in the valley. officially reagan national a little bit of wind off the water, holding at 73 degrees, pressure 30.12, dropping. and the dew point way up there, 69, feeling kind of sticky outside. part of the problem for us is this storm system out of the great lakes. you see this piece of energy coming through oklahoma and
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missouri with the showers stretching out from really north texas into illinois. that piece of energy is moving east. moisture is flowing in from the gulf, across georgia, south carolina, north carolina. they are going to come together to produce hefty rains in spots, generally south and east of town through philly and parts of the northeast the next couple of days. by the afternoon, we should see showers redeveloping southern maryland, scattered showers, tomorrow morning watch the surge of moisture northward on top of us, during the day friday, areas of moderate to heavy rain in spots, we'll see this try to clear out a little bit as we head toward saturday. saturday and sunday night is active. today 18. may see a shower or two before the afternoon is out. tomorrow numerous, a lot of showers and storms, 76 degrees tomorrow, saturday partly to mostly cloudy, 82. could be a couple of showers saturday afternoon.
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as we head toward sunday, still a chance for a storm with the temperatures there. monday looks dry for a change. speaking of thursday at noon, you know it is pet line 9 time. this is julianna williams from the pet society. >> any kayla, kayla is a little bit scared. she is a two-year-old. she came to us because her owner's landlord wouldn't let them keep her. they only had good things to say about her. >> kayla is a big girl. >> yeah, she is a little bigger. but once she gets some exercise. >> the cameras move by themselves and that is speaking her. >> once they gets exercise she will be much happier. >> reporter: how long have you
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had her? >> since the beginning of the month. >> reporter: you have to hopefully have a yard. >> definitely. she would be a great walking running hiking partner for anybody. absolutely. >> reporter: how can folks contact the human society? >> go to our website at humanedottedorganize. and kayla's numbers is 138. >> reporter: check out the website or check out our website wusa9.com. we'll be right back with more 9news at noon in just a moment. [ screaming ]
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[ zapping ] there goes dwayne's car. oh, man. there goes dwayne's house. whoa! whoa! and there goes dwayne. man, that thing does not like dwayne. [ male announcer ] state farm's got you covered. nice landing. it was. [ male announcer ] get to a better state.
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we need to correct an error in our story about this morning's fatal crash on rockville pike. roberto nassau was the man who was killed. and dalton is the man who struck him. we regret that error. holy cross hospital is holding a special event. i'm the mistress of ceremonies, and i'm really excited about participating. >> we are excited too. >> thank you. yolanda is the hospital spokesperson. i came out. >> i missed you that day yeah. >> i learned holy cross is one of the largest hospitals in our area and has a lot of great things about it. >> you just said it all. it does have a lot of great things about it. we are getting big and better and that is part of the money
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being raised this weekend, we have got a new tower that is going on our silver spring hospital and we are building a new hospital in german town. that is very, very exciting. >> that is on the campus of montgomery college. >> yes, it is. >> the first hospital in that county in what? over 30 years. >> you know all of this stuff. that is excellent. >> i'm excited about it. >> we are really excited about serving that segment of the population in the northern county. because a the although of those people come to holy cross hospital. they drive all the way down to holy cross hospital to get service. now they don't have to do that with the hospital right in their neighborhood. >> it is going to be a wonderful celebration. people who come will be able to maybe win a car. >> i have to read this because i can't remember. it is a 2012 lexus ct 200 hybrid. tickets are $100, but if you already have a car and you don't want this fabulous car, you can
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take the money. $25,000. so either way, it is pretty good. >> it is going to be saturday. go to our website wusa 9.com. we'll have more information about the holy cross event. and of course, i have to remind you to go to my website, it is full of information about events around town, about my charity work. jaycee hayward.com. have a great day and come back with us at 5:00.
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Discussion in 'Comics' started by Miserabilia, Nov 7, 2012.
When people say "heel turn" in another context, it makes me want to hit them with a folding chair.
Solid should turn heel and completely ruin your face with his fist.
I'm getting caught up on Hickman's Fantastic Four and FF because a local shop was practically giving that shit away last week. Just read issue #600. I like it. I don't love it though.
You used the word "face" in the same sentence as the word "heel" and didn't even find a pun for it... SMH.
Also, I declare this the best WYBWYT Thread we've had in a long, long time. Good job, Miserabilia! Good show, everybody!
I tried a heel turn before. I didn't like it/it didn't work. I'm a babyface. Plus I like the pop.
I'm very happy with how it turned out. We haven't had a WYBWYT this long in a while.
I'll try to pick up my stack this week to make this WYBWYT even longer. It's been awhile.
I'd take Rick Rude heat over a Cena pop.
Maybe next week some of us can buy comics and have thoughts on them!
... jk lol fuck that
Read the Saga TPB it is as good as everyone made it out to be! I made one of my friends buy it as well because it was so refreshingly different from most everything else that is out right now.
Empire i guess would be my favorite.
Lucas Arts made a non star-wars video game called Gladius for the Gamecube/PS2 that i loved.
I'd have to say Episode 1 was my favorite because of Jar Jar Binks.
Does anybody think I'm serious?


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Modern Financial Markets: Prices, Yields, and Risk Analysis Blackwell, Griffiths and Winters. Chapter 12 Money Market Risk Management. Learning Objectives . Risk focus comes from trading for liquidity Concerns of money market investors Managing default risk Interest rate risk
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Chapter 12
Money Market Risk Management
This is our first chapter on managing risk in a specific market. In each risk management chapter we focus on the risk associated with owning a financial instrument from a specific market and the various techniques available to manage the risk.
This chapter is on risk management in the money markets.
Managing risk in the money markets is very different from managing risk in the other financial markets. The difference stems from the unique role of the money markets as markets for trading liquidity.
This results in most of the risk management in money markets occurring before the investment is made instead of during ownership.
Charles Schwab describes the goal of their money market mutual fund as 'highest current income consistent with stability of capital and liquidity.' They further state that 'to pursue its goal, the fund invests in high-quality short-term money market investments.'
What Schwab is telling investors is that Schwab picks securities with a focus on low default risk and high marketability and then, within those constraints, they try to generate as high a return as possible.
Put another way, earnings are not the primary goal of this fund and instead earnings are secondary to the preservation of capital and the ability to access that capital when needed.
Being a market for liquidity creates a unique environment for managing risk.
With long-term cash excesses, investors place their cash at risk and then manage the risks of ownership over the life of the investment. With temporary excesses, investors analyze the borrowers and the market mechanisms before the investment to ensure that the risk exposure of their cash is at a minimum.
When investors are storing a temporary cash surplus, they focus on the protection of their cash, which leads to concerns about two types of risk:
1. liquidity risk and
2. default risk.
Liquidity is related to converting an asset to cash; an asset is considered highly liquid if it can be quickly converted to cash without a major price concession.
Money market investors are concerned about liquidity because they are storing temporary cash surpluses that are needed to meet expected near-term obligations. Thus, money market investors require high degree of liquidity.
There are two components to managing liquidity risk in the money markets.
First, money market securities are short-term debt contracts so the borrower has a contractual obligation to return the investor's cash a specific point in time with the return date based on the investor's need for their cash.
However, the investor may need their cash sooner than expected, which leads to the second component for managing liquidity risk.
Second, is a highly liquid secondary market, which means a market where money market investors can quickly sell their securities without a price concession.
The secondary market for money market securities is a dealer market where the dealers stand ready to trade ('make a market') at their quoted bid and ask prices.
People often assume that large trading volume is necessary for secondary market liquidity. However, this is not the case in dealer markets like the money markets if dealers stand ready to trade.
Dealers stand ready to trade by quoting bid and ask prices for T-bills, commercial paper, negotiable CDs, bankers' acceptances, and short-term agency debt.
In repurchase agreements (repos) and Fed funds the nature of the transactions precludes a secondary market.
Without a secondary market in repos and Fed funds, the need for liquidity is addressed by having the majority of the instruments have a maturity of one day. This way the investors get their cash back each day and therefore the opportunity to decide each day whether to loan the cash or hold the cash.
The general definition of default is when a borrower fails to meet any part of the debt contract. In long-term debt default often occurs because of the violation of a contract covenant.
The short-term nature of the money markets precludes the need for covenants, so default in the money market is associated withfailure to make the scheduled payment.
Treasury bills are considered default-free because they are backed by the full faith and credit of the U.S. government.
Federally-owned agency debt is also default-free because these agency are part of the federal government.
Federally-sponsored agency debt is not default-free because these agencies are privately owned. However, this debt is viewed as having an implicit guarantee.
These securities are different forms of corporate debt and therefore have default risk.
Money market investors limit their exposure to default risk in these securities by only lending to the highest quality borrowers. This is a clear example of managing risk before the investment.
To assess credit quality, the credit rating agencies providing rating for companies wanting to issue commercial papers and banks wanting to issue tradable short-term debt.
As an example of only lending to the highest quality borrowers, over 97% of all commercial paper is issued by borrowers in the two lowest default risk rating categories.
The Fed funds market is for trading of reserve deposits held at a Federal Reserve Bank and is done to manage a bank's reserves for settlement.
Fed funds trades are loans of reserve deposits between banks. Default risk is handled by requiring each loan be made under a pre-existing line of credit between the borrowing and lending bank.
To borrow Fed funds from a bank, the borrowing bank requests a credit relationship with the lending bank.
The lending bank does a credit analysis of the borrower, which results in a two step decision:
Step 1 Yes or No on extending a line of credit to the borrower.
Step 2 If Yes, then set the borrowing limit on the line of credit.
Having a pre-existing line of credit for borrowers in the Fed funds market facilitates trading in this market because the decision to provide credit has already been made.
So, when a request for Fed funds comes into a bank, the person that processes the request simply checks for the existence of a line of credit for the borrower and the amount of funds available under the line.
A repo is an agreement to sell securities with a simultaneous agreement to buy them back at a future date. This is a logical equivalent of a collateralized loan
Thus, the lender of cash in a repo is secured by the securities in the repo.
The market convention in repos is to minimize the lender's (investor's) exposure to default risk, which is done through a set of three rules that define the process for the collateral.
All debt securities are exposed to interest rate risk because their values change with market rates.
Investors are concerned about having to sell a security at an unfavorable price because of an increase in interest rates.
Interest rate risk is not a primary concern to money market investors because almost all investments are held to maturity.
If it is a concern, derivatives can be used to hedge interest rate risk in money market securities.
A mutual fund is a portfolio of securities.
A money market mutual fund is a portfolio of money market securities.
Two primary benefits of mutual funds are:
1. low minimum investment increments, which is particularly important in the money markets because of the large denominations for most money market securities and
2. low cost of diversification. However, the usual benefits of diversification do not apply in the money markets because losses in one security cannot be offset by gains in another.
The money market mutual fund industry views any loss as unacceptable because the competing financial product is insured bank deposits. Thus, the concern for the industry is that if investors become worried about losses, they switch from money market mutual funds to bank deposits.
To provide investors with the information to assess the risk of a mutual fund, the money market mutual funds report their portfolio allocations.
Two examples appear in Figure 12-2
It is clear from the allocations that these two funds invest almost exclusively in the traditional money market securities.
It is also clear that the two funds have very different asset allocations.
However, it is not clear which funds is more risky. Accordingly, Moody's has begun rating money market mutual funds for default risk.
The Moody's rating for each fund are:
Aaa for the J.P. Morgan fund and
Aa for the Strong fund.
This suggests that the Strong funds has more default risk.