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I just read somewhere that the navy or some branch of government is going to pay millions of dollars to continue to use XP. We invented modern computing. It's sad to see that we...Replies 26
Tried the upgrade path on a desktop system that is 1 year old and Windows10 would not install, said "not enough memory", even though the PC has 8gb memory. Microsoft's response...Replies 26
Currently used business card... http://www.oldhousemechanic.com/business card.jpgReplies 314
Or clients who get back to you 2 years after an estimate and don't understand the price has changed/gone up. :censored: JoeFReplies 173
Have VERIZON FIOS for my phone service and they only allow 10 numbers to be put into the reject list, which sucks. :censored:Replies 109
This MIGHT be viable for my bathtub refinish services.Replies 23
Despite a formal cease and desist letter, Porch.com continues to use my trademarked company name w/out permission, and continues to ask me to sign up for their service. I gues...Replies 364
What's ironic is these companies are NOT required to have any type of data encryption in place for customer data...Replies 8
Still getting several email inquiries from porch.com every week, using my company name which is trademarked, w/out permission. Cease and desist letter got no response either......Replies 364
As a result of a recent incident/phone call, I am formally requesting this account be deleted from contractortalk.com Thanks, J. Farrell Renaissance Restorations LLC [email protected]Replies 122
Agreed, still the issue of the contractor having no license/registration still exists... PReplies 12
The building is open to the public and gets regular visitors, plus there is a caretaker who resides there also...Replies 12
PS, I checked the Commonwealth of MA's lead paint registry and found you do not have a MA RRP license either. While you have an EPA registration, you require a MA RP registrati...Replies 12
I trademarked my company slogan last year, it cost around $375. Took a few months and a lot of dealing with the USPTO, and some "legal effort", but now it's legal...Replies 34
Took a few phone calls and a letter, but was able to get my "listing" removed from porch.com today. Wonder how many other contractors are unaware they are being scammed by thi...Replies 364
Sent them a cease and desist letter today. This might explain the weird phone calls I've been getting the past month from people I've "supposedly" done work for, but haven't. JReplies 364
Been approached regarding a "fun reality series" on the historic preservation of old buildings business. Mixed opinions on this considering the "reality" shows that are out the...Replies 44
What's sad and scary are some places are still running Windows NT 4 workstation and server, including a City where I've done work in. They are just planning to upgrade to Win20...Replies 41
Weird, not sure how the post was deleted, here's the link for the porch project I did back in 2006 - JoeReplies 14
IOS 7.0.3 is coming out soon, just put up IOS 7.0.2... Egh...Replies 26


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Team fitness courses are the excellent way to remain healthy and also in shape. They supply a wide range of courses to fit the requirements of the team as well as to meet a huge amount of health and fitness objectives. Much can be claimed for the advantages of joining a health and fitness class. Group fitness classes are by far the most preferred form of workout, but for many individuals a group health and fitness class can likewise be daunting.
Much can be claimed for the advantages of joining a physical fitness course. Team health and fitness classes are by far the most popular kind of workout, but for lots of people a group fitness class can additionally be daunting.
Team Physical Fitness Course
Team fitness is a craze that is sweeping across the nation. These courses are for anybody as well as everybody, also you! With hundreds of different kinds of fitness classes to pick from you make sure to find one that is right for you.
Feeling the team's energy will certainly aid you to stay concentrated as well as invigorated as you exercise, it really is a fantastic sensation to take part in a team workout setting.
Right here are some kinds of courses that you could be interested in:
Yoga exercise and Pilates – Yoga exercise and Pilates are great for enhancing your equilibrium, versatility as well as reinforcing your core. A group course is an excellent way to learn the correct strategies and right kind that is needed for each position.
Zumba – Zumba is a cardiovascular type class that is excellent for shedding calories, strengthening the heart and also obtaining your blood flowing. Zumba is a dancing style aerobics class where you will certainly dance to songs and also have a good time. Group courses, like Zumba are incredibly popular and also great deals of enjoyable, especially because they are in a group establishing where the all-around energy is very infectious. The even more the merrier!
CrossFit – CrossFit is a well-rounded workout course that will certainly press your health and fitness level to new elevations. This class uses a range of various practical motions, great deals of toughness training as well as uses wide variety in classes that change daily with the notorious CrossFit WOD (exercise of the day).
It is likewise among the most popular group classes available that can help you slim down, get strong, improve your functionality in daily life as well as construct lean muscular tissue tone.
Various other Classes
There are lots of other sorts of courses available at fitness centers, studios, community centers as well as universities throughout the country. Choose what your physical fitness objectives are and also allow that overview you to a course. Don't hesitate to attempt a few of them out and also see which one works finest for you.
Taking care of Fear
One of the most common kind of concern is the anxiety of the unidentified. When we permit our fears to control us it can avoid us from experiencing new points and also from expanding in special means. Anxiety can likewise maintain people from being positive in their physical fitness objectives and also keeping away from exercises courses.
Fear not! Maintain reading to learn a few of one of the most reliable ways to chase your concerns away.
Tips To Fight Your Fears
You're not the just one that really feels frightened, many individuals really feel similarly. Every person in that physical fitness course was a very first time trainee. More than likely there will be various other very first timers in the class with you.
Consider This:
The first time is constantly the hardest. As soon as you walk through the door right into the class, the hardest component will more than.
Take a good friend with you to class. Having someone to maintain you business can do wonders to help reduce that sensation of fear.
Do not bother with what others believe. Every person is there to workout as well as is extra focused on themselves than any individual else. You may be amazed at how many are worried about what you consider them.
After the course starts you will certainly be too involved in having fun to remember being scared. Remember that if the courses were not fun individuals would certainly not go to them.
Focus on your goals. To reach your health and fitness goals a team health and fitness course is the method to go. Stay focused on what your health and fitness goals let and also are every little thing else go.
Learn more about the people in your course. The even more people you know in the course the more enjoyable the class can be and the much less frightening it will come to be
Team health and fitness courses are the suitable way to stay healthy as well as healthy. They offer a broad variety of courses to fit the requirements of the group as well as to fulfill a vast amount of physical fitness goals. Team physical fitness courses are by far the most preferred type of workout, however for many individuals a team physical fitness course can also be daunting.
Anxiety can grace fit review likewise keep people from being aggressive in their fitness objectives as well as remaining away from workouts courses.
To reach your health and fitness grace fit guide meal plan objectives a group fitness course is the grace easy fit way to go.

subset: commoncrawl


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Safety Concerns: Common Welding Related Issues
It's easy to lose track of safety while welding. There, I've said it and I admit it. I've goofed up. I've taken short cuts and risks that might make a risk manager take an extra antacid over. We all have if we've welded very long, and are honest, even if we think we are doing everything right. It's just too easy to leave off the PPE (personal protective equipment when we are performing welding related activities for comfort or convenience sake. Or to take some shortcut during welding that increases our chance of getting injured or hurt. Regardless of the circumstances, there are some definite risks associated with welding that we need to keep in mind and be aware of constantly.
Always get assistance when welding in a precarious position or welding on something that is precariously positioned itself. Don't weld something together that could break or snap or fall and injure you, especially if you are having to hold it together with one hand and weld with the other. It's a common thing to do, when tacking items together. Make things secure by always clamping items firmly. Never underestimate the number of clamps needed for the job, either. Always have a few spare handy. Sliding bar clamps offer an added advantage of being able to be operated with one hand. Also, keep in mind the value of someone there to help watch while you are welding or to help lift, position or hold an item. Back injuries are common among many weldors. It almost seems a forgone conclusion that an older weldor will have a bad back and hobble around the job site. As unfortunate as this is, it's made more unfortunate due to the fact that it is preventable to a large degree.
Eye concerns are chief among most welders, and rightfully so. Welding is hard on the eyes, not only from an eye strain point of view, but from the harmful radiation that comes from the welding arc. It can result in diminished vision over the years and certainly in the short term, painful eye problems. Flashing is a frequent problem, either while working around other welders or accidentally striking an arc without the welding hood in place. Back flash, or where the welding arc light is bouncing off objects from behind and into the welding mask can create a problem as well. Utilizing a pair of safety glasses under the welding helmet can increase protection from both flying sparks but also from UV and IR exposure. Many higher end safety glasses offer full UV and IR protection even when not tinted and can help protect against long term eye damage. Even cheaper safety glasses with a light shade can offer some protection against accidental flashes and back flash. Welding hoods should be kept free of cracks and holes as well. Small fissures in welding helmets will allow large amounts of UV radiation to penetrate, and cause eye damage quite quickly. Any welding helmet not functioning correctly, or is in a poor state of repair should be discarded or repaired before use. Whether or not proper eye protection is used, can make the difference between complete blindness or near perfect vision in short order.
One of the most often ignored safety points is neglecting to wear gloves and arm covering. Whether it's a denim shirt with short cuff gloves, or welding sleeves and long cuff gloves, it is imperative that some arm and hand protection be worn. The intense exposure to the welding arc can lead to almost immediate sunburn. Fair and dark complexions are both at risk due to the high level of UV given off by the welding arc. Neither are immune to long term exposure effects either. A cotton welding jacket or shirt is all that is needed to prevent serious damage. However, be aware that many light weaves still allow UV rays to pass through. Gloves can be hot, but they are a necessary evil to protect against arc burn, accidental shock and of course physical heat burns as well. Stay away from nylon or synthetic materials unless they are specifically rated for welding. Keep in mind Skin cancer is always waiting around the corner for every weldor.
Electrocution is a real, but not often discussed, safety issue related to welding. Though fatality is rare, it does happen. Unfortunately when it does happen it's usually found that it was preventable. But even if the shock does not lead to death it can be painful and cause serious problems. Anyone welding for almost any length of time will experience electrical shock. The important point is to treat the welding equipment with respect, and care. Make sure all cables are free from holes and tears in the sheathing, and that welding torches are not broken or have bare metal parts exposed that can be easily touched while welding. Periodically inspect the welding area for standing water, and inspect the welders themselves for electrical issues. Of course, never weld in the rain or while wet. Sweat can also be a recipe for getting shocked. This is a real daily issue to battle while welding. It's almost impossible for most people to avoid. Further care should be taken to prevent the full body from coming into contact with parts being welded, especially the parts that would pass current directly through the heart, especially if sweating.
Safety is always a concern in almost any occupation, but Welding has a greater potential for accident than many others. This is only a high point discussion of basic welding safety. There's much more. If you are interested in welding or currently learning to weld, read every available resource and pay attention to manufacturer instructions. If you don't have a manual for a machine, find one, and read it before you operate it. There's no substitute for diligence when it comes to safety.


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About Sitter:
Hi there,
Very honest, genuine, IT professional. I was born in Tasmania, got a computer science degree in Launceston, worked for a bit in Sydney, moved to Canada in 2002. Just moved back from Canada (july 2019) and have a full time job in Launceston Mon-Fri 8-4. Looking for some house sitting work just while I am settling in. I am a homeowner in Canada and take pride in the house. Eventually I will buy a house near Launceston as well. I had to give up my 2 birds and cat in Canada as sadly I could not bring them. I think pets are wonderful company - let me take care of yours!
If you don't have any, that's fine as well.


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Neeru Agarwal, the actress who was playing a domestic help in Raman and Ishita's house in the hit serial of Star Plus, Yeh Hain Mohabtein died under mysterious circumstances. Her sudden death has left her co-stars shocked. Actors Aly Goni, Divyanka Tripathi, Karan Patel, Aditi Bhatia, Krishna Mukherjee and others expressed their grief on social media.
According to the reports, the actress was suffering from dengue and collapsed in her bathroom. Her sister confirmed that Neeru got locked inside the bathroom and when the door was opened from outside, she was already dead. Her body also turned blue. She was rushed to the hospital but was declared dead on arrival. After Neeru's death, her dead body was sent for the post-mortem.
Neeru stayed with her nine-year-old daughter Vaishnavi in Mumbai, who is devastated after her mother's death. Neeru's body was flown to Noida by her husband and daughter last evening, for her last rites. Neeru's demise is a big loss for the entire TV industry. May her soul RIP.


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This week, I visited Skyjack, where I learned that the company will be introducing an 80-something foot articulating boom lift, a 5,000-lb. telehandler, and a 12,000-lb. telehandler in the next few months. Although details about the new machines were not yet available, the news that they are coming is exciting.
Twenty years ago, Liebherr-Werk Ehingen made the decision to focus its research and development efforts on the LTM all-terrain and LR crawler crane product lines. With the attention placed on growing these offerings, the company discontinued its LTL rough-terrain crane production, of which it had built about 430 machines in the 25- to 80-tonne range. Today, the company offers 38 different cranes in its LTM and LR product lines.


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The Horizon of the Commons
Peter Linebaugh
University of Toledo
The bowels of the earth or the heart of the earth is in parallel to both 'the belly of the great fish' or 'entrails of the monster' and with 'history from below'. 'The heart of the earth' may have these three meanings: 1) the location of dark energies like the 'thesterness' of coal and petroleum, 2) the inferno, the place of great heat, and thus of diastrophic change causing the twisted inequalities of rich and poor on the earth's crust, 3) the existence of several horizons of the commons. In the folklore of the New Left when Che Guevara advised struggle in 'the belly of the beast', the implication was to go underground. Certainly, he referred to depths of struggle. He referred to a situation of near hopelessness on the one hand, Hell, and on the other of redemption by the word, and the preservation of the commoning. Liberté, Égalité, Fraternité. Égalité opposed privatization by enclosure or conquest. Fraternité was to be united (to use the Irish phrase) or unseparated from kin and country, family and land. Together they referred to a horizon of the commons in 1803, despite the nights of carnage and in the midst of repressive terror by the British Empire, French Bonapartism, and American expansionism. Edward and Catherine Despard fought for this horizon, Babeuf died for it, Robert Emmet alluded to it, Friedrich Engels remembered it, and it preoccupied the late Marx's study of Russia, North Africa, and the Iroquois of the Finger Lakes.
The full article is available as a PDF document: click here.
© borderlands ejournal 2012


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Background List Of Spy Tools
SpyFu is one of the more feature rich tools, but has the Least appealing interface on the market. SpyFu provides SEO and PPC spy application options along with their own keyword research tool. List Of Spy Tools
Click here today to sign up to Spyfu!
Keyword Search and User Experience
The SpyFu dashboard is laid out using a navigation bar across the top with tabs for SEO Research, PPC Research, Keyword Research, Backlinks, the List Builder, Tracking, and Reports. There's plenty SpyFu can perform throughout the spectrum of SEO tooling, but for this review we're focusing mostly on its own ad hoc keyword lookup capabilities. When a company is seeking to identifying the best possible search engine results pages (SERP) to aim having an optimization plan, keyword-driven investigation is your legwork to get pages to rank higher. Management capacities and recommendations are built in throughout SpyFu, however I started from the Keyword Research tab.
When testing each instrument, I used the Exact Same set of five Keywords to observe results differed between each of my opponents. Were electronic marketing, pcmag, internet shopping, IT consultant, and small business accounting. I chose this mixture to simulate real world terms that companies might search for (such as publishers such as PCMag) as well as to find related search results and vulnerable competitor sites.
I discovered that after running searches on my five evaluation terms SpyFu creates and structures its keyword benefits and metrics somewhat differently than Moz Guru, KWFinder, or Ahrefs$82.00 at Ahrefs. Rather than populating a table of related keywords with Page Authority (PA) and Domain Name Authority (DA) metrics along with stats on price per click (CPC) and keyword difficulty, SpyFu brings a far more obvious correlation with exactly how much money a key word could be worth. After hunting"digital marketing," for instance, another navigation bar appeared round the top of their results page further breaking down the search results. You can then drill down to key word overview, related key words, advertiser history, ranking history, traffic, key word grouping, and SERP analysis. That's just for one key word question, revealing SpyFu does the most granular deep-dive investigation into data of all the tools I analyzed.
Atop the results, SpyFu gave me not just CPC for the Key word, however a daily and yearly cost breakdown in addition to how many unique advertisers had appeared on the key word in the past year. I got the same level of cost breakdown once I clicked on the Related Keywords tab, which also allowed me to narrow results using a left-hand filter menu to a particular price every day, daily search volume, difficulty rating, and much more.
At the bottom of the key word results was the SERP analysis. This broke down each URL in the search results page, though KWFinder and Moz Guru both offer a more comprehensive breakdown in this respect. SpyFu targets price, which might or might not be important to your business. Results like the Advertiser History graph, a long list and complicated diagram of the advertisements appearing on this search page over time, was a bit too from the weeds for me as a newcomer SEO instrument user. But for digital marketers and advertisers, SpyFu is a gold mine. List Of Spy Tools
SpyFu Kombat
With SpyFu Kombat you can look at overlapping and website specific key words For up to 3 sites. For your PPC version you can also find a graph which goes back over a period of a couple years showing that the general amount of keywords being bid on by all 3 websites. You may also rollover the chart to find keywords specific to just 2 of those sites if you feel the 3rd website may not be doing as great a job (or vice versa) as 2 of the other sites. It will also show you the PPC budgets of those websites in addition to the number of organic keywords ranking in the top 50 results for keyword.
When you click it will show you the Keywords in whatever bucket you click, to the right of the graph. It is possible to view and download those keywords for your use. As you can see I'm on the advertisements tab however, the choices are comparable when you click on the natural tab (on the upper box, the organic one at the bottom shows you total organic keywords).
Switching between the organic tab along with the ppc tab (as well as the Total # of organic search phrases + PPC advertisement budget should also give you a good notion of what of the bigger sites are more to the PPC or SEO side of things which can be a fantastic barometer to check in if you happen to be focusing on a single area over the other.
SpyFu Classic
SpyFu Classic is the"flagship" section in order to speak. This is Where you enter one domain on the home page and are presented using a slew of data such as:
– Daily AdWords PPC Budget
– Links through to SpyFu Kombat
– Typical Position of Ads vs # of Clients
– Estimated Value of Organic Traffic (estimated visitors with a factor of CPC factored in)
– Paid Traffic In comparison with Organic Traffic Quotes
– Subdomains (useful for looking at how a website might break out parts of the principal domain, perhaps a fantastic spot to look for niche keywords???)
– Top Ten Paid Key Word w/ Keyword Ad Background (links through to complete Keyword Advertisement History tool)
– Total Paid Keywords
– Total Organic Keywords
– PPC Competitors (with a link to overlapping keywords)
– Organic Competitors (using a link to overlapping key words )
– Category
The information can be useful, as you can see the:
– Estimated PPC, Clicks, Price Daily, Complete Advertisers. . .all with trend data
– Top Ten Domains Advertising on the Keyword, with Domain Name Ad History
– Added Keywords Purchased By Relevant Domains
– PPC Ad Copy With a Link to Keyword Advertisement History
– Top Ten Organic Outcomes with Title, Meta Description
– Related Terms
– Related Concepts (based on semantic relationships)
– Categories List Of Spy Tools
Click here to register to Spyfu now!
Keyword Management and Reviews
Keyword direction is baked into SpyFu throughout the platform. Within each of its three main research tabs–SEO, PPC, and Keyword–there are options from the drop-down menus for SEO and PPC-specific keywords, and Keyword Groups. The Keyword Groups attributes in each tab are rather similar, populating a table using monthly search volume, CPC, difficulty score, and monthly cost. All these are SpyFu's four chief metrics where key word research is worried. On the left of the table are either the key words you have researched and booted yourself, or high keyword class tips from SpyFu. On the top right of the desk you can subsequently add chosen key words to lists, or export your chosen keyword as an Microsoft Excel file, CSV, or PDF. This fundamental keyword grouping functionality is similar to SEMrush$99.95 in SEMrush and implemented better in Moz Professional and KWFinder.
Where SpyFu's keyword management capabilities really stand Out are at its List Builder and Tracking tabs. Additionally, this is where SpyFu makes its profound link between SEO and client relationship management (CRM). From the List Builder tab, there's a Top Lists section with targeted lists of domain names and keywords like"Domains That Spend the maximum On AdWords," keywords with the maximum CPC. There is also a list of the most expensive keywords, which you can then filter by state, business, or a specific web-based technologies: Ad buying platform, internet affiliate marketing, email marketing, and online shopping cart are a few of the choices.
Alongside Leading Lists, there is a dedicated Business Leads tab. This acts the same way as a key word search: You enter a place, industries and key words, and refine results using filters like AdWords budget and SEO clicks. The research then returns a list of URL leads with that site's monthly advertising budget and available contact information that can then be exported into your CRM or lead management system. I'd love to view SpyFu proceed a step farther with this and incorporate its SEO lead lists directly using a platform like Salesforce$75.00 at salesforce.com, but the tool is currently ahead of the curve. SEMrush has a beta lead generation instrument, but that is the closest any additional optimization product that I tested comes to what SpyFu offers.
However, SpyFu incorporated AdWords Templates as Portion of a Google AdWords campaign. The templates consist of prewritten advertisements for groups . The templates can be downloaded by users in the SpyFu website and then upload into an AdWords account.
The system also includes SEO campaign direction With its My SpyFu Project Manager tool. SpyFu made this as a project management(PM) feature inside the SEO platform for overseeing integrated keyword study and rank tracking in a campaign. My SpyFu is just available in paid plans (not the free trial), but it allows you to set up multiple jobs tracking grouped key words plotted against SEO rank, traffic value, ROI, and numerous different metrics. All you have to do is open the My SpyFu menu and include a new project. It is the only and best case in this roundup of built-in, SEO-focused PM.
There is also Keywords you've identified and start tracking that keyword position changes and reports back together with domain rankings. Using the webpage, I was able to set up custom SEO reports in a few simple steps: Enter a domain name then choose whether or not to run a report on SpyFu's suggested domain key words or custom keywords. I entered my five habit keywords chose up to five opponents' URLs, and then was given the choice to run a report or a monthly report.
That sort of competitive analysis is another area where SpyFu stands outside, as it also has a tool called"Kombat" that's available from the SEO and PPC Research tabs. In the domain of PCMag, I typed in Kombat along with the instrument built an interactive information visualization which showed where PCMag keywords overlapped with our opponents. There's also what SpyFu calls a"keyword world," listing CPC, CTR, monthly price, and monthly clicks for core keywords and recommended keywords. This research breakdown is another feature that will help unearth ways to gain an SEO edge. List Of Spy Tools
With the SEO functionality of its Solution, SpyFu has introduced a study tool called Nacho Analytics, which provides access to the internet analytics of websites. Through this platform, you can view time-of-day visitors sections, and search-engine behaviour.
Keyword Advertisement History
Ad Background will show you, via colour coded bars, how frequently the Key words appeared in a domain's PPC campaign along with any modifications in the advertisement copy (all of which can be exported into excel). It shows a year's worth of information up front and extends back to 2006 through the Bonus History Button.
So it is fairly straightforward, and that's what I like about SpyFu Tools. No more over-reliance on"in-house metrics" it's only"here's the ad history of the key word", plain and simple. If you see a keyword being advertised on by a PPC advertiser that is fantastic consistent you can look to apply that advertisement copy technique to some niche market of that larger keyword. If I had been advertisements for"resorts in Oklahoma" I would pay attention to what ad copy has been successful, as time passes, for this main/core key word"resorts".
Domain Ad History
Domain Ad History Is like Keyword Advertisement History except it shows the History of a particular domain.
This tool is useful in looking at keywords that have been successful for Your competitors (or larger players in your niche) and which ones they attempted and abandoned (which could be ones for you to prevent out of the gate). All this assumes the domain you're exploring is competent PPC advertiser.
Keyword Smart Search
The Keyword Smart Search tool in SpyFu uses semantic word connections, Publicly available keyword information, and PPC campaign data to return a list of keywords associated with the keyword(s) (up to 10) you input. You can filter look volume, from CPC as you can see, and you can also exclude key words.
For me personally, I prefer to use the PPC keywords as well as the Organic keywords found In SpyFu Classic or SpyFu Kombat. I like to use different tools for pure keyword research (Google tools, Microsoft Ad Center Intelligence, and Wordtracker). I feel SpyFu is at its best when used as a competitive search tool versus a search tool. List Of Spy Tools
Pricing and Strategies
Since I mentioned, SpyFu's Fundamental plan starts at $33 per Month when billed yearly (or $39 per month ). Though, unlike other tools within this SEO tool review roundup, such as Moz Guru and KWFinder$12.00 at KWFinder, SpyFu does not price by search results. All plans come with an unlimited number of keyword, keyword group , domain, backlink, and comparison search results along with unlimited data export. The performance that you receive with SpyFu for your price is a significant factor in why we gave it an Editors' Choice, and the search volumes make the instrument much more attractive for keyword study that is ad hoc.
That's not to mention SpyFu doesn't cap anything. The Fundamental Program provides you a capacity of 250 sales leads and domain contacts, and 5,000 weekly monitored keyword rankings, along with 10 domain reports and 10 pay-per-click (PPC) reports through SpyFu's AdWords Advisor tool. The $78-per-month Professional program (also $58 a month when billed annually) lumps contacts and leads to 500 and per week tracked keyword positions to 15,000, along with custom-branded reports and access to SpyFu's application programming interface (API).
Finally, SpyFu has added a $199 per month Team program (billed yearly, or $299 month-to-month) using 2,000 sales leads and domain contacts, 40,000 weekly tracked keyword rankings, and five user logins. SpyFu also comprises a 30-day money-back warranty. Overall the firm has slashed on its pricing since our original review, which makes it all the more attractive to SMBs.
I find their tools useful for aggressive research. I do not use Their Keyword Smart Search explained above but the amount of information which They give (in a straightforward fashion) at the price points that they give is quite A nice combination. SpyFu makes its way into my toolbox on just about Every project. List Of Spy Tools
Click here now to sign up to Spyfu!


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Introduction: SKYLANDERS Focus on CRUSHER Complete "ITS CRUSH HOUR"
Meet Crusher, who has absorbed my daughter. This build is out of foam pads and required a fair bit of time to create. It is not an expensive costume once you have the tools required but if you add in the man hours the cost goes way up. Having built 4 SKYLANDER costumes this year I needed to start fairly early in the year but the end result is awesome I think. I can't wait to see my Skylanders walking through the mall.
Tools and Material:
Glue gun
Lots of Hot Glue sticks
Foam Interlocking Play Mats
Paint (Dark Gray, White, Black,Silver and Green)
Sharp Box Cutter
Dowel,1/2" plywood, L brackets, And Small Box for the Hammer
Sun glass lenses for the eyes
Grey Pants
Grey Shirt
Participated in the
Halloween Costume Contest
Be the First to Share
I like the design and the outcome, although I am usually disappointed with my designs even when others tell me they turned out great. I think the important part is that your daughter likes it :). Thanks for sharing!


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Candy Dance could see breezy first day
if you go
What: Genoa Candy Dance
Where: Genoa
When: Saturday and Sunday
Earlybirds will see the best weather conditions for the first day of Candy Dance shopping today in Genoa.
While it's forecast to be cool, the predicted winds shouldn't begin to pick up until around lunchtime.
The annual Candy Dance Arts & Crafts Faire officially opens 9 a.m. today. The craft fair is open until 5 p.m. and reopens 9 a.m. Sunday.
According to the National Weather Service, winds are forecast to die down overnight and through Sunday, which will see a high temperature of 71 degrees.
An estimated 30,000 people throng to Nevada's first settlement for the craft faire, which was added to the fundraiser in the 1970s.
Genoa is located along the western edge of Carson Valley south of Carson City.
Access to town includes Jacks Valley Road, Genoa Lane and Muller Lane, all of which are closed 7 a.m. Saturday and Sunday. Each route ends in a parking lot. Officials recommend using Muller Lane to Foothill Road for those coming from the south. For those coming from the north, Jacks Valley Road and Genoa Lane are the best access points.
Highway 395 southbound is reduced to one lane with right turns only onto Genoa Lane.
Left turns, both from Highway 395 onto Genoa Lane and from Genoa Lane onto Highway 395, will be prohibited during the fair.
Shuttles are available from Ranch One parking along Foothill Road and Genoa Lane and from the Genoa Cemetery lot to town. Parking is $5.
Once in town, automatic teller machines are available for shoppers who run short of cash.
Food and drink is available from a variety of vendors in town.
The Masons host a pancake breakfast in the Masonic Hall both mornings. The Genoa Volunteer Fire Department sells Italian sausage sandwiches and beer.


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Top Where We Come From Quotes
Browse top 118 famous quotes and sayings about Where We Come From by most favorite authors.
Favorite Where We Come From Quotes
1. "I believe in the old, because it shows us where we come from - where our souls have risen from. And I believe in the new, because it gives us the opportunity to create who we are becoming."
Author: Abigail Washburn
Author: Abigail Washburn
2. "And it's a human need to be told stories. The more we're governed by idiots and have no control over our destinies, the more we need to tell stories to each other about who we are, why we are, where we come from, and what might be possible."
Author: Alan Rickman
Author: Alan Rickman
3. "Where the republican or limited monarchial tradition is weak, the best of constitutions will not prevent ambitious politicians from succumbing with glee and gusto to the temptations cannot fail to arise. Overpopulation leads to economic insecurity and social unrest. Unrest and insecurity lead to more control by central governments and an increase of their power, In the absence of a constitutional tradition, the increased power will probably be exercised in a dictatorial fashion. Even if Communism had never been invented, this would be likely to happen.. But communism has been invented. Given this fact, the probability of overpopulation leading through unrest to dictatorship becomes a virtual certainity. It is a pretty safe bet that, twenty years from now, all the world´s overpopulated and underdeveloped countries will be under some form of totalitarian rule – probably by the Communist Party."
Author: Aldous Huxley
Author: Aldous Huxley
4. "I guess we are who we are for a lot of reasons. And maybe we'll never know most of them. But even if we don't have the power to choose where we come from, we can still choose where we go from there. —Stephen Chbosky, The Perks of Being a Wallflower"
Author: Aleatha Romig
Author: Aleatha Romig
5. "In all of us there is a hunger, marrow-deep, to know our heritage- to know who we are and where we have come from. Without this enriching knowledge, there is a hollow yearning. No matter what our attainments in life, there is still a vacuum, an emptiness, and the most disquieting loneliness."
Author: Alex Haley
Author: Alex Haley
6. "I sing to him that rests below,And, since the grasses round me wave,I take the grasses of the grave,And make them pipes whereon to blow.The traveller hears me now and then,And sometimes harshly will he speak:`This fellow would make weakness weak,And melt the waxen hearts of men.'Another answers, `Let him be,He loves to make parade of painThat with his piping he may gainThe praise that comes to constancy.'A third is wroth: `Is this an hourFor private sorrow's barren song,When more and more the people throngThe chairs and thrones of civil power?'A time to sicken and to swoon,When Science reaches forth her armsTo feel from world to world, and charmsHer secret from the latest moon?'Behold, ye speak an idle thing:Ye never knew the sacred dust:I do but sing because I must,And pipe but as the linnets sing:And one is glad; her note is gay,For now her little ones have ranged;And one is sad; her note is changed,Because her brood is stol'n away."
Author: Alfred Tennyson
Author: Alfred Tennyson
7. "The subject of my work has a lot to do with general, artistic matters, questions like: What is creativity? Where do we come from? What are our motors? What is coincidence? What is logic?"
Author: Alva Noto
Author: Alva Noto
8. "I'm talking about equalizing the pressure between outer actions and events which are shattering and devastating to us and then the place where we recompose and reconstruct ourselves, where we finally achieve what Jung called the second birth. The second birth is the one that you can make, and the discovery of that to me was always a great relief. As long as we expect the changes to come only from the outside or from action outside or from political systems, then we are bound to feel helpless, to feel sometimes that reality is bigger and stronger than we are. But if suddenly we begin to feel that there is one person we can change, simultaneously we change many people around us. And as a writer I suddenly discovered the enormous radius of influence that one person can have."
Author: Anaïs Nin
Author: Anaïs Nin
9. "When is nothing special the most important thing? When it's the only thing. Where we come from, beauty is so ordinary that we don't even know we are beautiful."
Author: Bennett Madison
Author: Bennett Madison
10. "These stories, I realized, were lost. Nobody was going to know that part of the city but as a place where a bomb went off. The bomb was going to become the story of this city. That's how we lose the city - that's how our knowledge of what the world is is taken away from us - when what we know is blasted into rubble and what is created in its place bears no resemblance to what there was and we are left strangers in a place we knew, in a place we ought to have known."
Author: Bilal Tanweer
Author: Bilal Tanweer
11. "But who are we, where do we come fromWhen all those yearsNothing but idle talk is leftAnd we are nowhere in the world?"= MEETING ="
Author: Boris Pasternak
Author: Boris Pasternak
12. "Eleven years she had lived in the dark house and its gloomy garden. He was jealous of the very light and air getting to her, and they kept her close. He stopped the wide chimneys, shaded the little windows, left the strong-stemmed ivy to wander where it would over the house-front, the moss to accumulate on the untrimmed fruit trees in the red-walled garden, the weeds to over-run its green and yellow walks. He surrounded her with images of sorrow and desolation. He caused her to be filled with fears of the place and of the stories that were told of it, and then on pretext of correcting them, to be left in it in solitude, or made to shrink about it in the dark. When her mind was most depressed and fullest of terrors, then, he would come out of one of the hiding-places from which he overlooked her, and present himself as her sole resource."
Author: Charles Dickens
Author: Charles Dickens
13. "Some may see the tortured existence of the musician as one where he's practicing like hell and being alone, I see it quite differently. Having three children, beautiful as it is, burdens you with terrible things often, with strong decision and sleepless nights. Tis is real life. And then, of course - this is getting into very personal things- I see many parts of me that are what would be called the "dark side". I had a happy childhood, but what was happening to my family, my parents, and also the dark tings that happpened-between them and where they come from, the war- there is a lot that i could not put in easy words. But it's what most of us carry. It's just whether you have the ability to voice it in the music, whether you allow yourself to be touched by thing , to be receptive to other people, to be in the pain of a composer."
Author: Christian Tetzlaff
Author: Christian Tetzlaff
14. "In the moral realm, there is very little consensus left in Western countries over the proper basis of moral behavior. And because of the power of the media, for millions of men and women the only venue where moral questions are discussed and weighed is the talk show, where more often than not the primary aim is to entertain, even shock, not to think. When Geraldo and Oprah become the arbiters of public morality, when the opinion of the latest media personality is sought on everything from abortion to transvestites, when banality is mistaken for profundity because [it's] uttered by a movie star or a basketball player, it is not surprising that there is less thought than hype. Oprah shapes more of the nation's grasp of right and wrong than most of the pulpits in the land. Personal and social ethics have been removed from the realms of truth and structures of thoughts; they have not only been relativized, but they have been democratized and trivialized."
Author: D.A. Carson
Author: D.A. Carson
15. "Memory is igneous more than ingenious, igneous, and like granite, intrusive, heaved up within oneself, the whole range of one's life, mountains' forbidding height looming over the plains where one lives, mountains formed by the life already lived, but toward which one is always walking, one's own past ahead of him, seeking the improbable path already forged, this path back through oneself, this path we call the present tense, which becomes the continental divide when the tense shifts and the path is lost, path from which the walker emerges only to turn around and see the peaks pulled up by his feet, and the snowy pass, and alpine heights, where those stranded must sometime feed on themselves to survive, where sometimes, through the icy crust, the crocus blooms."
Author: Dan Beachy Quick
Author: Dan Beachy Quick
16. "The broken branch hissed loudly, and then thatwind was converted into these words: "Briefly willyou be answered.When the fierce soul departs from the body fromwhich it has uprooted itself, Minos sends it to theseventh mouth.It falls into the wood, and no place is assigned toit, but where chance hurls it, there it sprouts like agrain of spelt.It grows into a shoot, then a woody plant; theHarpies, feeding on its leaves, give it pain and awindow for the pain.Like the others, we will come for our remains, butnot so that any may put them on again, for it is notjust to have what one has taken from oneself.Here we will drag them, and through the sadwood our corpses will hang, each on the thornbrushof the soul that harmed it."
Author: Dante Alighieri
Author: Dante Alighieri
17. "I love where he and I stand right now. It's like we're on the brink, and everything's full of excitement and potential precisely because the heavy making out is still something to look forward to. I realize we can't remain PG-rated forever. I'm all too aware, though, how easy it is to let hooking up become the crux of a relationship. Then you forget how to just be together and why you should stay together. So for the meantime I'd like to take things slowly in order to prevent hooking up from ever getting too important.Amy would say I'm overreacting, but I'm just trying to learn from past mistakes."
Author: Daria Snadowsky
Author: Daria Snadowsky
18. "Even if we no longer have much in common, we would have always had the past, which, in some ways, is just as important as the present or future. It is where we come from, what makes us who we are."
Author: Emily Giffin
Author: Emily Giffin
19. "Curiosity is the essence of human existence. 'Who are we? Where are we? Where do we come from? Where are we going?'... I don't know. I don't have any answers to those questions. I don't know what's over there around the corner. But I want to find out."
Author: Eugene Cernan
Author: Eugene Cernan
20. "Welcome my new paranoia, if you are not my reality, so where the hell is the fucking reality!?!?! To be or not to be?! this is the paranoia of my sweet dreams. So you are more than welcome to my paradox, to my mind, to my existence. Consume from my brains flesh. There is no ending of this portion for you. My mind is the Prometheus of the time. Endless resource for paranoia."
Author: Fereidoon Yazdi
Author: Fereidoon Yazdi
21. "We weren't born yesterday. We are from [New York]. But we are also from somewhere else. We are from Oz, from the Looking-Glass Land, from Narnia, and from Middle Earth. If with part of ourselves we are men and women of the world and share the sad unbeliefs of the world, with a deeper part still, the part where our best dreams come from, it is as if we were indeed born yesterday, or almost yesterday, because we are also all of us children still."
Author: Frederick Buechner
Author: Frederick Buechner
22. "And so when you have lost everything, no more roads, no direction, no fixed signs, no ground, no thoughts able to resist other thoughts, when you are lost, beside yourself, and you continue getting lost, when you become the panicky movement of getting lost, then, that's when, where you are unwoven weft, flesh that lets strangeness come through, defenseless being, without resistance, without batten, without skin, inundated with otherness, it's in these breathless times that writings traverse you, songs of an unheard-of purity flow through you, addressed to no one, they well up, surge forth, from the throats of your unknown inhabitants, these are the cries that death and life hurl in their combat."
Author: Hélène Cixous
Author: Hélène Cixous
23. "There was no water at my grandfather'swhen I was a kid and would go for itwith two zinc buckets. Down the path,past the cow by the foundation wherethe fine people's house was beforethey arranged to have it burned down.To the neighbor's cool well. Wouldcome back with pails too heavy,so my mouth pulled out of shape.I see myself, but from the outside.I keep trying to feel who I was,and cannot. Hear clearly the soundthe bucket made hitting the sidesof the stone well going down,but never the sound of me."
Author: Jack Gilbert
Author: Jack Gilbert
24. "Here's a current example of the challenge we face. At the height of its power, the photography company Kodak employed more than 140,000 people and was worth $28 billion. They even invented the first digital camera. But today Kodak is bankrupt, and the new face of digital photography has become Instagram. When Instagram was sold to Facebook for a billion dollars in 2012, it employed only thirteen people. Where did all those jobs disappear to? And what happened to the wealth that those middle-class jobs created? This book is built to answer questions like these, which will only become more common as digital networking hollows out every industry, from media to medicine to manufacturing."
Author: Jaron Lanier
Author: Jaron Lanier
25. "That's how people live, by telling stories. What's the first thing a kid says when he learns how to talk? "Tell me a story." That's how we understand who we are, where we come from. Stories are everything."
Author: Jeffrey Eugenides
Author: Jeffrey Eugenides
26. "Where would you be without friends? The people to pick you up when you need lifting? We come from homes far from perfect, so you end up almost parent and sibling to your friends - your own chosen family. There's nothing like a really loyal, dependable, good friend. Nothing."
Author: Jennifer Aniston
Author: Jennifer Aniston
27. "The world is getting weirder. Darker every single day. Things are spinning around faster and faster, and threatening to go completely awry. Falcons and falconers. The center cannot hold. But in my corner of the country, I'm trying to nail things down. I don't want to live in Victor's jungle, even if it did eventually devour him. I don't want to live in a world where the strong rule and the weak cower. I'd rather make a place where things are a little quieter. Where trolls stay the hell under their bridges and where elves don't come swooping out to snatch children from their cradles. Where vampires respect the limits, and where the faeries mind their p's and q's. My name is Harry Blackstone Copperfield Dresden. Conjure by it at your own risk. When things get strange, when what goes bump in the night flicks on the lights, when no one else can help you, give me a call. I'm in the book."
Author: Jim Butcher
Author: Jim Butcher
28. "If you had to pack your whole life into a suitcase--not just the practical things, like clothing, but the memories of the people you had lost and the girl you had once been--what would you take? The last photograph you had of your mother? A birthday gift from your best friend--a bookmark embroidered by her? A ticket stub from the traveling circus that had come through town two years ago, where you and your father held your breath as jeweled ladies flew through the air, and a brave man stuck his head in the mouth of a lion? Would you take them to make wherever you were going feel like home, or because you needed to remember where you had come from?"
Author: Jodi Picoult
Author: Jodi Picoult
29. "The true heart of Carolyn's farm was her kitchen, where sausages and pungent dog treats lay scattered over they counters, along with collars, magazines and books, trial application forums, checks from her students (Carolyn, not big on details, often left them lying around for months), leashes, and dog toys. Pots of coffee were always brewing, and dog people could be found sitting around her big wooden table at all hours. Devon and I were always welcome there, and he grew to love going around the table from person to person, collecting pats and treats. Troubled dogs were familiar at the table, and appreciated. If we couldn't bring our dogs many places, we could always bring them here."
Author: Jon Katz
Author: Jon Katz
30. "I am above the forest region, amongst grand rocks & such a torrent as you see in Salvator Rosa's paintings vegetation all a scrub of rhodos. with Pines below me as thick & bad to get through as our Fuegian Fagi on the hill tops, & except the towering peaks of P. S. [perpetual snow] that, here shoot up on all hands there is little difference in the mt scenery—here however the blaze of Rhod. flowers and various colored jungle proclaims a differently constituted region in a naturalist's eye & twenty species here, to one there, always are asking me the vexed question, where do we come from?[Letter to Charles Darwin 24 Jun 1849]"
Author: Joseph Dalton Hooker
Author: Joseph Dalton Hooker
31. "She didn't drink a lot, but she drank me into wonderland where we spent the time giggling and laughing. However, know this if you are able or leave while you still can. Love is unstable when built on what must come and go with the wind and sand.After awhile, I heard the increasing activity from the hall as the campus was starting to come alive and I said to Penny, "I think we need to get to the bistro" and she responded by slipping one brown shoe delicately over her white nylon socking."
Author: Joseph Persia
Author: Joseph Persia
32. "What is freedom?" he asked bitterly, "and who is truly free? We are all bound by what we are, and where we come from.""Maybe," I said slowly as I considered the turn my life had taken, the lies I had been told, "because we do not look farther than where we have been told to look. Perhaps it would all be different if we weren't afraid of what we are. Or what we might become."
Author: Kate Elliott
Author: Kate Elliott
33. "Where on earth did you come from,baby?"Frey's brows drew together and he asked softly back, "Pardon?"My thumb stroked his jaw before I whispered, "My handsome husband is gentle, thoughtful and kind. He laughs and smiles easily and he makes me feel safe. I was with your folks for about five minutes and they were so far from any of that, it is not funny. So," I squeezed his neck, "where did you come from?"
Author: Kristen Ashley
Author: Kristen Ashley
34. "Bhutan does seem a bit unreal at times. Hardly anybody in the U.S. knows where it is. I have friends who still think the entire country is a figment of my imagination. When I was getting ready to move there, and I told people I was going to work in Bhutan, they'd inevitably ask, "Where's Butane?"It is near Africa," I'd answer, to throw them off the trail. "It's where all the disposable lighters come from."They'd nod in understanding."
Author: Linda Leaming
Author: Linda Leaming
35. "We're on the same radius from the Earth, and then we start to swing around to where we're ahead of them on the velocity vector, so we come in relative to the station from this forward velocity position and dock on to the forward end of the Lab."
Author: Linda M. Godwin
Author: Linda M. Godwin
36. "Rump on a packsack, harem cushion, pink on the cheeks and black discreetly around the eyes, as red as blood as black as ebony, a seamed and folded imitation of a magazine picture that is itself an imitation of a woman who is also an imitation, the original nowhere, hairless lobed angel in the same heaven where God is a circle, captive princess in someone's head. She is locked in, she isn't allowed to eat or shit or cry or give birth, nothing goes in, nothing comes out. She takes her clothes off or puts them on, paperdoll wardrobe, she copulates under strobe lights with the man's torso while his brain watches from its glassed-in control cubicle at the other end of the room, her face twists into poses of exultation and total abandonment, that is all. She is not bored, she has no other interests."
Author: Margaret Atwood
Author: Margaret Atwood
37. "Angela Carter...refused to join in rejecting or denouncing fairy tales, but instead embraced the whole stigmatized genre, its stock characters and well-known plots, and with wonderful verve and invention, perverse grace and wicked fun, soaked them in a new ?ery liquor that brought them leaping back to life. From her childhood, through her English degree at the University of Bristol where she specialised in Medieval Literature, and her experiences as a young woman on the folk-music circuit in the West Country, Angela Carter was steeped in English and Celtic faerie, in romances of chivalry and the grail, Chaucerian storytelling and Spenserian allegory, and she was to become fairy tale's rescuer, the form's own knight errant, who seized hold of it in its moribund state and plunged it into the fontaine de jouvence itself.(from "Chamber of Secrets: The Sorcery of Angela Carter")"
Author: Marina Warner
Author: Marina Warner
38. "If in the past people would listen to music out of love for music, nowadays it roars everywhere and all the time, "regardless whether we want to hear it", it roars from loudspeakers, in cars, in restaurants, in elevators, in the streets, in waiting rooms, in gyms, in the earpieces of Walkmans, music rewritten, reorchestrated, abridged, and stretched out, fragments of rock, of jazz, of opera, a flood of everything jumbled together so that we don't know who composed it (music become noise is anonymous), so that we can't tell beginning from end (music become noise has no form): sewage-water music in which music is dying."
Author: Milan Kundera
Author: Milan Kundera
39. "Where do we come from? Do souls really exist? I can't answer these questions, especially not at 6am."
Author: Miranda July
Author: Miranda July
40. "Dimitri's voice snapped my attention back to him. "That's Adrian Ivashkov." He said the name the same way everyone else did. "Yeah, I know.""This is the second time I've seen you with him.""Yeah," I replied glibly. "We hang out sometimes."Dimitri arched an eyebrow, then jerked his head back toward where we'd come from. "You hang out in his room a lot?"Several retorts popped into my head, and then a golden one took precedence. "What happens between him and me is none of your business." I managed a tone very similar to the one he'd used on me when making a similar comment about him and Tasha. "Actually, as long as you're at the Academy, what you do is my business.""Not my personal life. You don't have any say in that."
Author: Richelle Mead
Author: Richelle Mead
41. "Can writing ever be taught? The best answer to that was given obliquely by the rock musician David Lee Roth. When asked if money could buy happiness he said, no, but with money you could buy the big boat and go right up to where the people were happy. With a teacher you can go right up to where the writing is done; the leap is made alone with vision, subject, passion, and instinct. So a writer comes to the page with vision in her heart and craft in her hands and a sense of what a story might be in her head. How do the three come together? My thesis is the old one: they merge in the physical writing—inside the act of writing, not from the outside. The process is the teacher."
Author: Ron Carlson
Author: Ron Carlson
42. "The Empress Sabina had long ago formed her own theory about the nonsense in travel books. No traveler, having gone to the expense and trouble of venturing where most civilized people were too sensible to go, was going to come home and admit that it had been a waste of time. Instead, he had to pronounce his destination to be full of strange wonders, like the elk with no knees that could be caught by sabotaging the tree against which it leaned when it slept (Julius Caesar) or the men from India who could wrap themselves in their own ears (reported by the elder Pliny, who seemed to have written down everything he was ever told), or the blue-skinned Britons (Julius Caesar again).Strangely, no traveler had ever brought one of these creatures home for inspection. Doubtless they were impossible to capture, or died on the journey, or the blue came off in the wash."
Author: Ruth Downie
Author: Ruth Downie
43. "Seek happiness now within you. Don't look anywhere else or for anyone to help bring that happiness to your life. Happiness comes as a reward of battles we win. Happiness will come from the will to be strong minded and the readiness to face the next challenge with a smile."
Author: Sal Martinez
Author: Sal Martinez
44. "I understood, through rehab, things about creating characters. I understood that creating whole people means knowing where we come from, how we can make a mistake and how we overcome things to make ourselves stronger."
Author: Samuel L. Jackson
Author: Samuel L. Jackson
45. "Writers are a product of where we come from but by looking at alternatives to the culture in which we live, we can find ways to change and hopefully improve it."
Author: Sara Sheridan
Author: Sara Sheridan
46. "When Thoreau considered "where I live and what I live for," he tied together location and values. Where we live doesn't just change how we live; it informs who we become. Most recently, technology promises us lives on the screen. What values, Thoreau would ask, follow from this new location? Immersed in simulation, where do we live, and what do we live for?"
Author: Sherry Turkle
Author: Sherry Turkle
47. "Why are we here? Where do we come from? Traditionally, these are questions for philosophy, but philosophy is dead."
Author: Stephen Hawking
Author: Stephen Hawking
48. "But of course the Western changed along with America's view of itself, from some sort of heroic country, where everybody's free, to the spiritually fucked-up defiled place it really is, and now you got jive Italians, if you can feature that, making the only Westerns worth seeing anymore because white America's just too fucking confused, can't figure out whether to embrace the myth or the anti-myth, so in a country where folks always figured you can escape your past, now the word is out that this is the country where you can do no such thing, this is the one place where, like the jive that finally becomes impossible to distinguish from the anti-jive, honor becomes impossible to distinguish from betrayal or just, you know, stone cold murder..."
Author: Steve Erickson
Author: Steve Erickson
49. "What we have in life that we can count on is who we are and where we come from, she thought absently. For better or worse, that is what we have to sustain us in our endevors, to buttress us in our darker moments, and to remind us of our identity. Without those things, we are adrift."
Author: Terry Brooks
Author: Terry Brooks
50. "But that is who we are, that is where we come from. We are the offspring of metropolitan annihilation and destruction, of the war of all against all, of the conflict of each individual with every other individual, of a system governed by fear, of the compulsion to produce, of the profit of one to the detriment of others, of the division of people into men and women, young and old, sick and healthy, foreigners and Germans, and of the struggle for prestige. Where do we come from? From isolation in individual row-houses, from the suburban concrete cities, from prison cells, from the asylums and special units, from media brainwashing, from consumerism, from corporal punishment, from the ideology of nonviolence, from depression, from illness, from degradation, from humiliation, from the debasement of human beings, from all the people exploited by imperialism."
Author: Ulrike Meinhof
Author: Ulrike Meinhof
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All religions, arts and sciences are branches of the same tree. All these aspirations are directed toward ennobling man's life, lifting it from the sphere of mere physical existence and leading the individual towards freedom."[Moral Decay (first published 1937)]"
Author: Albert Einstein
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text:
BALTIMORE (AP) — The city of Baltimore has paid a $200,000 settlement to a violinist and music teacher who was wrongfully arrested in a child sex abuse case.
The settlement was approved by the city's spending board in March, but public documents did not reveal what the $200,000 was for.
The Daily Record of Baltimore reports that it came down to an error by a police detective. The suspect in the case was named Yisroel Shapiro, but the detective searched for his address by entering the name "Y. Shapiro" in a database.
That search turned up Yakov Shapiro, an immigrant from the former Soviet Union who lives in Germantown. Police arrested him in November 2007, and it took them nearly a week to realize their mistake and arrest Yisroel Shapiro, who later pleaded guilty.
Yakov Shapiro's attorney says his client is still haunted by the ordeal.
(Copyright 2010 by The Associated Press. All Rights Reserved.)


text:
Central banks have been obliged in the recent past to pursue their objectives of monetary and financial stability within an environment of rapid and continuous change. Ian Plenderleith, an Executive Director, Monetary Stability at the Bank, illustrates the Bank's involvement in continuing change by looking at how the UK government bond and money markets have developed in recent years.
Changes in UK gilt-edged and money markets in recent years


text:
Category: donation
Camp Rockerville Company 1790
This photo of 140 men from Company 1794, Camp Rockerville was taken in 1934. It belonged to the Fenner Family and was donated to the Civilian Conservation Corps (CCC) Museum of South Dakota by Joann Sutton.
Below is from after the CCC. Many CCC boys enter the Army and World War II.This photo belonged to the Fenner family and donated by Joann Fenner-Sutton.
Posted with keywords: Fenner,Ralph,Encell,Raetz,Ivan,Rockerville,1790,1934,Joann Sutton,CCC,Civilian Conservation Corps,museum,Hill City,South Dakota,letter,mom,WWII


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You may link futons with low-cost furniture reserved for children and dormitory, but if so, think again. Futons now have a strong place in high-end homes and workplaces, and for extremely good reasons. This furniture style started in Japan as a hassle-free means to use one space for numerous purposes throughout the day. Today, Americans can obtain the exact same take advantage of these home furnishings in practically any space in the personal or workplace. Futon style options are numerous. Metal frames are well suited to contemporary and modern-day decor. Wood grains are excellent options for standard and country style homes. Whatever the style of your interior, there is a futon to match. Covers are available in high-end fabrics such as leather and suede, along with daily fabrics like cotton and denim. Accented with a good choice of pillows, a futon fits in with any style of decor you can imagine. There are numerous reasons to pick a futon for your personal and workplace. Once you attempt them, you will never ever go shopping for a sofa sleeper again.
Select bedroom sets according to the theme or style of the space. For an urban, minimalistic look, choose for bedroom sets made of wrought iron with clean lines and basic designs. Select the right bedroom sets and bedspreads for your bedroom and make that space look sophisticated and lovely.
The Reason I Hate Ottomans
For a long time now the Ottomans paisley ottoman have actually been disregarded. That is now changing as individuals start to find the appeal of simplicity and comfort of the Ottomans furniture. There are a number of aspects that you might wish to consider when purchasing furniture. One of them is definitely the expense. It is freshening to keep in mind that the Ottomans provide furniture at inexpensive rates. This is especially a welcome concept thinking about that the economy is doing poorly. It suggests that you will certainly save cash when you purchase the Ottomans furniture.
Chenille is not a really old textile. It is typically a synthetic made, which is slippery, soft and somewhat shiny. Chenille quilts appearance terrific when used in layers and abstract patterns. It likewise gives a plush, expensive appearance to the finish. Not all chenille textiles are washable, so select the kind that you can toss in the washing machine and is durable for numerous washes. Once more, it is always vital to think about the safety and well-being of your kid.
Five Things Your Mom Should Have Taught You About Paisley Ottoman
Like a conventional bed mattress, futon mattresses are available in sizes such as twin, queen, and complete. A complete and queen size can sleep approximately two people, while a twin can sleep one. There are likewise cot-sized mattresses that come as a futon chair with an ottoman, or lounge chair, that is small however will sleep one person. Believing in these terms will help you to understand the type of futon you might need. Hosting couples will require a full or queen bed mattress, while having a place for a good friend to crash when they need to might only need a single. If you have the space, you might want to buy a couple of various futons to allow for flexible choices as the requirement emerges.
Some children do believe that getting their own space is a lot more relaxing significantly if they are of different genders. If you are the dad what could you provide with your limited finances and small residence? A bunk or loft space bed is truly an excellent answer. All bed is separated from each various other so your children can have their own reading time as if they are on different space. Exactly what's more, a great deal of kids do think that oversleeping a bunk bed offers them an amazing sensation of visiting an military campsite or slumbering in a confined boat like shipmates and cabin staffs. So each evening will be an adventuresome doze for them.
Take the time to pull the bedspread out of its product packaging (if you can) to feel it and pull on it (delicately). Many bedspreads can be equipment cleaned, but lots of require the oversize washing machines to get truly clean. Look to see if you have what your bedspread is going to need for its laundering or if you will have to take it to be expertly cleaned.
Little Known Strategies To Make The Most Out Of Your Ottomans
One other thing to try to bear in mind when trying to find sofas might be the home furnishings in your home. If you have traditional lounge furnishings, you will certainly have to search for a couch that will certainly fit to the basic atmosphere. Furthermore, the color belonging to the couch set ought to match the wall structure shade. A great deal of people purchase the newest colors in lounge devices and regret their choice afterwards. A green lounge could simply be extensive right now, nevertheless can end up being an target of ridicule within a few years. As a result, unless you want to change your sofa set with every period of fashion, you have to purchase a color that matches your existing space's appearance. Normally, fairly neutral colored couches are preferable. You might equip these with blankets with the most recent designs to provide the most recent popular appearance within home design.
So, some things to consider when looking for a new recliner. What kind of back support does the recliner have? Does it have an excellent reputation by both users and medical professionals? If so you ought to absolutely consider it as a possibility if it offers quality back support. Does it provide excellent neck support? Is it the kind of chair that will leave you with a stiff neck or does it provide you head and neck excellent support? Leather or material is another option you ll need to pick. Each have their benefits and is a choice just you can make. I hope these recliner shopping ideas will certainly help you discover that best recliner that you ve always wanted.
Probably you woke up today with pain on your shoulders or back. Many understood futon producers originate from Japan. Nevertheless, due to the fact that of the need for futons, lots of other paisley ottoman producers in different locations have actually similarly relied on producing high quality futons. A futon sofa bed is really a terrific financial investment, as it has a dual function. It can be converted into a sofa and a bed. For this reason, it is fantastic for use in your home and even in workplaces in case of late-night work. Because of this function, futon sofa beds might also be the best option for homes with little spaces. This convenience and convenience is exactly what lots of people search for, and exactly what numerous futon companies strive to offer.
Questions To Ask Prior To Purchasing Ottomans
total tone of the bedroom is set by the bedroom paisley ottoman that is in it. For an area where individuals rejuvenate and get stimulated prior to dealing with the world, it is essential that it is filled with great furniture. Having bedroom sets that are inadequately made in a bedroom will only make it look unattractive. How can anybody be anticipated to unwind and charge in a bedroom that is substandard looking with a bedroom set that appears sloppy? On the other hand, a room that hosts a well-made bedroom set will be a reflection of the homeowner's great taste, not to point out that it can provide a more enjoyable feel to anybody occupying it. Bedroom sets that are well-constructed can make the space a real shelter which a great deal of exhausted, hectic individuals require.
Consider your way of life and start from there when picking the upholstery of your sofa. Likewise consider which part of our home will certainly your sofa be put. Will it be put in the household room or in the formal living-room? Having children might also contribute to your reconsiderations. For the durability of the furnishings, prevent fragile upholstery like that of satin. If you prefer plain design then it is best to limit your selections to more softened colors. However, picking patterned upholstery is another thing. Select a pattern that might hide "add-on" designs those that are patented by your son. With this in mind, you might select multi-colored pattern. This will certainly assist you hide the dirt and stains that your youngsters have produced.
Another concern is picking furniture that has matching handles on the drawers of the dresser and the chest. Matching the manages with other bedroom furniture is also vital. For instance, if the bed frame is brass, then drawer handles must be brass, too. Drawer handles can be replaced easily, but keeping colors in mind when buying is much easier. Each one of these problems are necessary to keep in mind when buying a dressers and chests set. There are numerous things to think about. A decision made using great information will keep somebody delighted for several years to come.
Nevertheless, the difficulty is discovering the most ideal recliners to buy that manage to match with vintage sofas, fit the contours of your body completely and do all this without overshooting the budget. Remember that when you buy recliners online, these must last you as long as your leather sofa traditional design will, a minimum of 5 to 10 years and thus regarding to the building and quality of working parts is crucial.
In order to soften the edges of a bedroom and to sidetrack the eye from the ceiling, soft fabric can be hung on the walls, and floors and ceilings ought to be pale to match the wallets of color on bed coverings, plants and baskets. Boldly colored wall paper can be made use of for the walls and duplicated in the curtains, producing a warm and luxurious result. To offer a stark colored space a feeling of intimacy, pastel colored blinds can be made use of.
There are recliner sofas which are available in the market today. This is made with a view of providing comfort to the entire family. The recliners in the sofa will be closed and needs to be opened when the individual wishes to sit. This makes sure that the recliner sofa does not take even more space in the living-room. These recliners also can be found in cotton and velour materials. With using cotton and velour materials, there are different designs that can be utilized. For instance, the recliners can be in floral prints or comparable designs with vivid colors. This makes it suitable with all kinds of home design.
3 Solid Reasons To Steer Clear Of Replacing Your Ottomans
This past number of weeks I have actually been sofa bed hunting with my partner. I constantly thought it is simple, however no sir, it ain't! I just understood I really want the very best sofa bed on the planet, however there are a lot of factors that need to have been taken into account. I really want a sleeper that doesn't look traditional. A lot of couples will face this scenario some day. The mind is confused by taking a look at numerous options. New ones are good, however way out of the spending plan. As a consumer you have actually constantly sought the very best thing for your home. So why go back this time? Right here is a list of a few of the very best sleeper sofas which deserve every cent invested on them.
How long the sofas lasts depends partially on the material. Leather is tough wearing and can be cool in summer and warm in winter. The 2 most popular are aniline, the most natural and pricey, and semi-aniline, which is dyed and provided a safety topcoat. Material sofas come in anything from moleskin to damask. If your sofa is getting a great deal of use, want stain resistant material. Leather is tough wearing and can be cool in summer and warm in winter. The 2 most popular are aniline, the most natural and pricey, and semi-aniline, which is dyed and provided a safety topcoat. Material sofas come in anything from moleskin to damask. If your sofa is getting a great deal of use, want stain resistant material.
Purchasing a lazy kid recliner can be likened to buying you first brand name brand-new automobile. It is a personal choice because you will most likely utilize it for a long time. The other factor is that you could be investing even more time on it as you see your preferred tv program. It is a big bargain to purchase a recliner. It is not just basic furniture due to the fact that it is not your typical chair that can be found in many houses. A lazy kid item has even become a symbol of wealth because the newer models can cost a lot. There are times when the company would hold a sale on some choose products however still the sale price will certainly cost a thousand dollars more or less. An unit does not come inexpensive. Some individuals who really wished to have actually a recliner made by lazy kid bought a pre-owned system. Purchasing a previously owned recliner by lazy kid can be the most practical option.
This outstanding Duvet Cover comes with a colorful and bright bunch of red roses and sweet pink lilies; they are tied with a red bow. This is a six piece duvet cover set. This total bedding set comes in a sophisticated box and are wrapped in a glossy paper with a good and huge bow.
Exactly What You Can Learn From Expert Decoraters About Paisley Ottoman
The next thing to consider when choosing your nightstand is size. How tall and how wide do you require your nightstand to be? The best method to respond to that concern is to take measurements in your space. Measure the location where the nightstand will certainly be positioned to understand precisely what size could stand you require prior to you go shopping. The last thing you wish to do is discover a nightstand that you absolutely enjoy, bring it house and discover that it doesn't it in your bed room. A final thing that you need to do when picking the ideal nightstand for your bed room is to look for quality and strength. A night table needs to be a signature piece of bed room furnishings that is of high quality. It needs to last for very long time therefore when searching for your nightstand be sure to examine it for sturdiness. Test out the drawers as well as the quality of the material the nightstand's made of. If you take each one of these things into factor to consider prior to you go shopping for your nightstand, you'll not just have the ability to discover a truly wonderful nightstand but you'll have the ability to do it a lot simpler.
Dresser and mirror are vital paisley ottoman piece in the house. You need to look at yourself prior to leaving house and you require a location where you can put your dressing stuffs. These set of furnishings are the very best pieces to fit these needs. The need for these sets of furnishings has actually demanded many furnishings manufacturers to come up with imaginative methods of constructing these furnishings pieces. As a matter of reality, imagination is the word in the furnishings industry in this age. Gone are the days when you have actually bland and featureless sets of furnishings in your house.
We have the tendency to be very hectic all day, and be worthy of to rest with our feet up. This is an excellent way to indulge yourself. It likewise permits your body the opportunity to renew while you hang out. Lots of people are on their feet all day for work so this will certainly assist them to be gotten ready for the next shift. Lots of people that experience a variety of clinical issues will certainly likewise find that this kind of reclining sofa can assist them with flow.
Hassle Free Steps To Locating Ottomans On Sale
Bedsheets not only take advantage of the thread count of the bedding linen however also the type of fiber in the quality of what the material it is made of. this will play a very significant part in the making of your bedding set. The first thing in choosing the right bedding linen for you is to choose on the type and quality level that you would such as for your bedding linen. Comforters, duvets and all your bed sheets will generally be available in silk, pima cotton or the very best one is Egyptian cotton. If you are purchasing bedding linen your finest decision would be to choose a linen that is 100 % cotton. Using a single ply fiber with the longest fiber you can discover, attempt and get 2 inch fiber that witch would be your finest selection.
Because I grew up during the 1970's and 1980's, the first type I think about is like the one I discussed above: a take out sofa bed. It looks like a typical couch, but then you get rid of the cushions and there is a bed that can be taken out from the bottom of the sofa. The bed mattress on these is not as thick as a routine bed mattress, they generally range from 4″ to 6″, and they vary in convenience. I have actually slept on this type of convertible sofa bed with different outcomes. Some I could barely move in the morning, and other I woke up feeling like a spring chicken. One truly nice thing about this design is that if you use it routinely, you can leave it made up with sheets and blankets. This design most typically comes in either a full or queen size bed, though you can also get a love seat that has a twin bed inside. You can also get these as part of a sectional.
Finding the best position in a recliner is very important for your relaxation. Using a motorized recline assists to make adjustments easy without having to get up. The old-timer ran levers require you to set up and bend over to the side to activate the recline function. Remote control panels are being wisely constructed into today's recliners. These control panels permit you to operate the entire chair at the touch of a button. There are numerous other functions being included into these recliners.
Beware The Scam Over Ottomans
The best method to find the chair or chairs that you want, complete with a list of their features and expenses is the internet. It holds the complete variety of all the chairs with their rates and has the complete assortment of each and every sort of chairs designs as informed previously mentioned. There are likewise fantastic unique discounts on the internet which will allow you get the best deal on the chairs.
You could be thinking of getting new paisley ottoman in your home. And it's time to obtain what you are worthy of. A fantastic method to attain this is to take a look at Berkline furniture, Berkline recliners and Berkline sofas. You are definitely losing out if you have not seen or become aware of Berkline furniture, Berkline recliners and Berkline sofas. You need to understand that Berkline is a front runner when it concern the quality of furniture. That implies Berkline furniture, Berkline recliners and Berkline sofas are going to be with you for the long haul. Let's have a look at some Berkline furniture items.


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Une plongée dans un univers microscopique
27 juin-1 juil. 2016 Plouzané (France)
Dr Jeroen Ingels
Jeroen Ingels is a marine ecologist studying benthic biodiversity, ecosystem functioning and food-web ecology, with particular focus on the biology/ecology of meiofauna and nematodes. At PML he is currently undertaking a PML Postdoctoral Research Fellowship within the Marine Ecology and Biodiversity science area, after having finished an EU FP7 Marie Curie Fellowship. As a postdoctoral fellow, Jeroen is engaged in different research projects investigating what drives benthic diversity and how this affects marine sediment functions with links to important processes such as biogeochemical cycling and food-web flows and interactions. He is also involved in assessments of anthropogenic and climate-change impacts on benthic ecosystems. At PML, Jeroen is using meiofauna as model organisms to achieve multidisciplinary integration, combining traditional biodiversity research with experimental approaches, modelling techniques, socio-economic research, and science-policy communication.


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JAMES FLOOR LAMP by Rubn
James Floor Lamp by Rubn.
The James Floor Lamp is a perfect reading light when placed next to a chair or a sofa. The diffuser makes the light source especially agreable.
All lights by Swedish company Rubn are made to the highest quality, in noble materials. These are lights that will last and last.
The James Floor Lamp is made in brass, with a powder coated iron base. A black version is also available upon request.
Bulb : 10W LED (included).
- Height : 122,5cm
- Diameter : Shade 18cm


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I was diagnosed with having borderline hypertension and made a conscious decision to improve my health and change my life. Once I saw the changes it made in my life I wanted to be able to share that knowledge and experience with others.


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On May 8, the Equal Employment Opportunity Commission published "Employer-Provided Leave and the Americans with Disabilities Act." Much of the guidance in that 11-page publication is not new. But it nevertheless should be useful to employers because of its expanded discussion of whether additional leave must be provided to an employee who already has exhausted other available leaves but still cannot return to work because of a disability.
The Americans with Disability Act (ADA) generally requires reasonable accommodation for an employee's disability unless the employer will suffer undue hardship. Reasonable accommodation can include leave of absence. That possible entitlement to ADA leave exists notwithstanding that other leave rights, not based on disability, are legion, at least in some jurisdictions.
So how should an employer respond when an employee exhausts other leave entitlements and then claims that, because of a disability, even more leave is needed before returning? The EEOC addresses this question by making four points.
1. Access to leave can never be discriminatory.
When an employee's request for disability-related leave falls under an existing policy, the employer must provide the disabled employee the same access to leave provided to similarly situated, nondisabled employees.
2. The employer must consider leave as a reasonable accommodation without regard to other leave policies.
Other policies (and other statutes) do not determine whether leave is required under the ADA. According to the EEOC, the very purpose of reasonable accommodation is "to require employers to change the way things are customarily done to enable employees with disabilities to work." As a result, providing unpaid leave will comply with the ADA's purpose whenever it enables an employee's return to work after the leave.
This has several implications. First, if a request for disability-related leave does not fall under an existing policy, the employer still must consider allowing it. Second, the employer also must consider allowing leave as a reasonable accommodation if the employee has exhausted leave available under other policies (or non-ADA laws). Third, the employer likewise must consider leave as a reasonable accommodation even if the employer otherwise does not offer leave as an employee benefit at all.
The above considerations thus mean that, as the EEOC explains, an employer can have a policy establishing a "maximum" amount of leave for employees only when the employer also makes clear that it will consider leave beyond that "maximum" as a reasonable accommodation to an employee's disability. Employers thus might question the value of having a "maximum" leave policy at all.
3. Additional leave does not have to be provided as a reasonable accommodation when it would cause undue hardship.
An employer never has to provide an accommodation that causes undue hardship. There are, however, no fixed, universally applicable criteria that show exactly when "hardship" becomes "undue." The EEOC thus suggests that employers can consider factors such as the following to determine whether undue hardship would result:
• amount and/or length of leave required;
• frequency of the leave;
• whether there is flexibility with the days of the leave;
• whether the dates of any intermittent leave is predictable;
• impact of the employee's absence on co-workers and on whether specific job duties would be performed appropriately; and
• impact on the employer's operations and ability to serve customers/clients (taking into account the size of the employer).
Employers also may find useful the following explanation from the EEOC publication:
"In many instances an employee (or the employee's doctor) can provide a definitive date on which the employee can return to work (for example, Oct. 1). In some instances, only an approximate date (for example, 'sometime during the end of September' or 'around Oct. 1') or range of dates (for example, 'between Sept. 1 and Sept. 30') can be provided. Sometimes, a projected return date or even a range of return dates may need to be modified in light of changed circumstances, such as where an employee's recovery from surgery takes longer than expected. None of these situations will necessarily result in undue hardship, but instead must be evaluated on a case-by-case basis. However, indefinite leave—meaning that an employee cannot say whether or when she will be able to return to work at all—will constitute an undue hardship, and so does not have to be provided as a reasonable accommodation."
4. The employer should use an "interactive process" to determine whether additional leave can be provided without undue hardship.
An "interactive process" is a dialogue between the employer and the employee and/or his health care providers to obtain information needed to determine the feasibility of a reasonable accommodation. The employer should use an "interactive process" whenever leave, or additional leave, is unavailable to the employee under an existing policy. The issue will be whether the requested leave can be provided without undue hardship.
The information needed by the employer will vary from situation to situation. The disability may or may not be obvious. Thus, in some situations, the employer may need additional information to confirm that the employee's condition is, in fact, a disability within the meaning of the ADA.
The EEOC advises, however, that most of the focus in the "interactive process" is likely to be on issues such as these:
• the specific reason(s) for leave;
• whether leave will be a block of time or intermittent; and
• when the need for leave will end.
With the employee's permission, an employer may obtain information from health care providers to confirm or elaborate on information from the employee. And as the EEOC explains, "Employers may also ask the health care provider to respond to questions designed to enable the employer to understand the need for leave, the amount and type of leave required, and whether reasonable accommodations other than (or in addition to) leave may be effective for the employee (perhaps resulting in the need for less leave)."
Finally, one other, closely related point is salient. When an employer attempts an "interactive process," the employee must cooperate. If an employee's lack of cooperation precludes the "interactive process," that will not be deemed the fault of the employer.
Reprinted with permission from the September 28, 2016 edition of Corporate Counsel © 2017 ALM Media Properties, LLC. All rights reserved. Further duplication without permission is prohibited. ALMReprints.com – 877-257-3382 - email@example.com.


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There has been some interesting research on motion sickness recently. The traditional explanation for seasickness focuses on the mismatch between the perception of motion and actual motion between our various senses, causing a reaction in the inner ear. For example, the body may feel it is comfortably sitting in a car seat, yet the inner ear says it is careening down the Autobahn at 100mph. A new study adds the idea that external motion altering the body's typical balancing motions is another factor. If the body typically flexes certain muscles resulting in tiny balancing motions in order to stay upright, the motion of a boat or car throws those motions off and nausea can result.
Bankers are watching the motion of regulatory changes over the past few years and most have certainly experienced nausea from it. We are in the first months of Basel III now and bankers are getting ready to file their first call reports using the new rules. Capital is the focus of Basel III of course and this differs from the previous two Basel accords which focused more on loss reserves. While the biggest effects of the rule will probably come when the Capital Conservation Buffer kicks in beginning in 2016, some changes are immediate, including the new risk weightings. We thought we would review some of the new elements.
Common Equity Tier 1 (CET1) is made up of common stock (plus related surplus) and retained earnings, less the majority of regulatory deductions (including items like goodwill, gain-on-sale associated with a securitization exposure or defined benefit pension fund net assets) and must be at least 4.5% of Risk Weighted Assets. Regulators have increased the Tier 1 capital requirements from 4% to 6%. In addition, fewer items now qualify under Tier 1. This shift has resulted in a new definition of Tier 1 capital: CET1 plus non-cumulative perpetual preferred stock. There is no change to the Total Capital Ratio requirement of 8% or the leverage ratio of 4%.
The Basel III rules also make regulatory capital measurements more risk-sensitive, as the final rule increases the risk weighting requirements for certain assets. Regulations currently require 100% risk weighting for all commercial real estate (CRE) loans and for most loans that will remain the same. However, for the newly-created CRE subset of high-volatility CRE (HVCRE), the requirement will increase to 150%. Finally, Basel III zeros in on 90 day past due exposures and non-accrual loans which will also require 150% risk weighting. Past due loans had previously not required any change in risk weighting.
While it is still a ways off, banks should prepare for the implementation of the Capital Conservation Buffer, which is composed of Common Equity Tier 1 (CET1) capital and should be at least 2.5% of risk weighted assets. This buffer is in addition to the minimum CET1, Tier 1 capital and total capital and if a bank is short of the 2.5% level, regulatory limitations kick-in on distributions and discretionary bonuses.
Banks should consider what could happen to their capital levels if the implementation of the buffer were to coincide with an economic downturn, and when considering scenarios for stress testing and future capital planning, should carefully analyze what could happen to the bank's capital levels in that circumstance.
One can only hope that as the velocity of anticipation and implementation of Basel III equalizes, that regulatory motion in general will decrease and therefore bankers' motion sickness as well. One hope for many bank managers, motion sickness tends to subside once people get over age 50, because the inner ear becomes less sensitive. This may explain something about the demographic on those cruise ships...