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Topic: iPhone
Samsung Galaxy Note, HTC One caught cheating in benchmarks again
11/27/2013, 04:11 pm
Futuremark has delisted the scores of Samsung and HTC products from its public benchmark listings over new allegations of performance doping.
Apple's iPhone 5s, 5c take 76% share of Japanese sales in October, including 61% on NTT DoCoMo
11/27/2013, 01:11 pm
Apple's new iPhones are big in Japan, taking a 61 percent share of NTT DoCoMo smartphone sales and a 76 percent share of overall sales during the month of October.
Foxconn building 500K iPhone 5s units for Apple per day with nonstop production lines
11/27/2013, 08:11 am
In a bid to increase supply of Apple's flagship iPhone 5s, Foxconn -- the company's largest manufacturing partner -- has dedicated 100 assembly lines to the handset and is now operating 24-hours-per-day, according to Foxconn executives.
China's state media cites December 18 launch for iPhone 5s, 5c
11/26/2013, 05:11 pm
The official state media of People's Republic of China, Xinhua News Agency, has reiterated expectations targeting December 18 as the launch date for Apple's 4G TD-LTE capable iPhone 5s and 5c on China Mobile.
90% of iPhone 5s models now in stock at Apple retail stores
11/26/2013, 08:11 am
Supply of Apple's new flagship handset, the iPhone 5s, has nearly caught up with demand, as a new survey of the company's retail stores finds that 90 percent of models are available.
Apple Stores now account for 11% of U.S cellphone sales, 25% of iPhone sales
11/25/2013, 05:11 pm
According to a recent survey conducted by Consumer Intelligence Research Partners, the Apple Store now holds an 11 percent share of the U.S. retail phone market and also accounts for roughly one quarter of all iPhone sales.
Unlocked, SIM-free iPhone 5s now available from Apple's online store
11/22/2013, 11:11 am
Customers wishing to purchase an unlocked, off-contract iPhone 5s in the United States can now do so sans a T-Mobile SIM card as Apple has put the handset's SIM-free variant up for offer.
FCC considering in-flight cellphone use above 10K feet, report says
11/21/2013, 04:11 pm
The U.S. FCC is reportedly planning to lift a restriction on in-flight cellular voice calling, but some airlines are reticent in implementing the feature due to concerns over passenger comfort.
China Mobile expected to launch 4G service with iPhone 5s/5c on December 18
11/21/2013, 03:11 pm
The world's largest carrier by subscriber count, China Mobile, announced plans to launch a new brand for mobile service December 18 during its 4G Global Partners Conference. The move is expected to coincide with its launch of Apple's latest iPhone 5s and 5c models.
Apple files patent for Touch ID sensor found in iPhone 5s
11/21/2013, 01:11 pm
The United States Patent & Trademark Office on Thursday published an Apple patent application covering the electronic packaging and sapphire lens of the company's new Touch ID fingerprint sensors.
Rumor: Apple field testing 'iPhone 6' with 4.9-inch display
11/21/2013, 09:11 am
Apple has begun field trials of a next-generation iPhone sporting a larger, 4.9-inch display, according to new information from one popular tech-focused Far East website.
Nine Inch Nails rocker Trent Reznor pulls out iPhone 5s on stage to FaceTime with dying friend
11/21/2013, 03:11 am
During a show in Las Vegas last weekend, Nine Inch Nails frontman Trent Reznor paid tribute to a friend battling terminal cancer by pulling out his iPhone 5s to initiate a FaceTime call with him on stage during his show.
Made for iPhone gaming controllers continue to debut with Logitech's new PowerShell
11/20/2013, 08:11 am
Accessory makers continue to debut their officially sanctioned Made for iPhone gaming controllers ahead of the holiday shopping season, with Logitech on Wednesday announcing its new battery-equipped, Lightning-connected PowerShell Controller.
U.S. carriers block Samsung's kill switch alternative to Apple's iOS 7 Activation Lock
11/19/2013, 04:11 pm
Samsung's plans to include a third party "kill switch" app on some of its premium smartphones to match Apple's iPhone Activation Lock theft deterrent system has been thwarted by phone carriers and fragmentation.
MOGA's Lightning-connected, iOS 7 compatible iPhone game controller launches this week
11/19/2013, 08:11 am
Apple's retail and online stores, along with other authorized resellers, will begin carrying the MOGA Ace Power gamepad for iPhone this week, giving smartphone gamers more precise physical controls on their mobile device.
Ship times for iPhone 5s improve to 3-5 days for all models
11/18/2013, 09:11 pm
The Online Apple Store is now quoting estimated U.S. ship times for all iPhone 5s models at three to five days, a marked improvement from only one week ago, signaling the company is making strides to catch up with demand.
Rumor: Major Foxconn factory to cease iPhone 5c production, focus on Apple's iPhone 5s
11/18/2013, 08:11 am
Foxconn's major factory in the city of Zhengzhou in northern China will allegedly cease production of Apple's plastic-backed iPhone 5c, according to a new report, in order to focus on producing the more popular flagship iPhone 5s.
The curious case of IDC, Gartner & Strategy Analytics' PC, phone & tablet data on Apple
11/16/2013, 05:11 am
Every quarter, the tech world's market research firms release metrics on how many PCs, phones and tablets Apple reported selling and compare these to estimates of what the rest of the world produced, resulting in headlines that minimize the importance of the world's largest and most profitable company. You might wonder why.
Another questionable report of iPhone 5c production cuts emerges from China
11/15/2013, 03:11 pm
Chinese technology blogs are once again abuzz with rumors that Apple has cut iPhone 5c production orders due to lackluster demand for the polycarbonate devices.
Samsung planning Galaxy phone with wrap-around display for 2014 launch
11/15/2013, 09:11 am
Samsung is said to be developing a new device for launch in 2014 with a flexible display that envelops the device's edges, allowing users to read messages when the device's main display is at a non-viewable angle.


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Tag: Cards
Smith Ignites At 'Russ' Arena
Another crowd clad in red filled Rupp Arena March 23 to witness Cardinal domination in the third round of the NCAA Tournament as No.1-seeded Louisville defeated No.8 seed Colorado State 82-56.
Rick, Are You Serious About Chane And The NBA?
Chane Behanan could be winding down his career at the University of Louisville.
On A Roll Toward March
The No. 10-ranked Louisville Cardinals hosted Seton Hall at the KFC Yum! Center on Feb. 23, cruising past the Pirates 79-61.
Sugar Rush Rally
Hundreds of Cardinal fans welcomed the Sugar Bowl Champions home from New Orleans on Jan. 3.
UK vs. UofL Basketball
The no. 4 ranked Louisville Cardinals downed the Kentucky Wildcats 80-77 on Saturday before a crowd of 22,810 at the KFC YUM! Center.
Cardinal Athletic Programs On The Rise
Who says winning isn't everything? There's never been a better time to be a Cardinal fan than the present.
Russ Smith Is Ridiculous Only For Cardinal Foes
University of Louisville junior guard Russ Smith is just 6 feet tall and 165 pounds, but he is relentless.
Samford Vs. Louisville
Russ Smith led the No. 2-ranked Louisville Cardinals to an 80-54 victory over Samford in UofL's second regular season game, held at the KFC Yum! Center Nov. 15.
UofL vs Bellarmine Basketball
The preseason No. 2-ranked Louisville Cardinals defeated the Bellarmine Knights 65-46 in an exhibition game held at the KFC Yum! Center on Nov. 7.
Cards Show Promise In Second Intrasquad Scrimmage
Two hours before tip-off of the second Red/White Scrimmage of the fall, the University of Louisville men's basketball team met with the media to discuss the highly-anticipated 2012-13 season.

subset: commoncrawl


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Basic question
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David Irvine co2cool at yahoo.comTue Jan 9 02:01:52 PST 2001
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-----Original Message----- From: beowulf-admin at beowulf.org [mailto:beowulf-admin at beowulf.org]On Behalf Of Craig Tierney Sent: 04 January 2001 21:48 To: Gernot Plank Cc: beowulf at beowulf.org Subject: Re: Basic question > I have a maybe silly question to Beowulf experts. > We are planning to set up a small cluster of ~10 nodes during the next > year, and if the > results (in terms of speed) are ok, we think to enlarge it. Currently we > are using CRAYs > and MPI. > > Now to my questions > 1) which linux-distribution is best for beowulf (redhat, suse, ...) Its really a matter of taste and experience, I helped set up a cluster using debian since the majority of the team members were debian buffs, it was easy to set up and it came with povray which happened to be the application we wanted to benchmark against. Redhat also seems to be a common choice. > 4) any additional hints ? This maybe stating the obvious so please don't take offense but the beowulf howto provides step by step setup of the cluster. Hope that helped. David Irvine
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Farris Engineering, a business unit of Curtiss-Wright Flow Control, announced it has entered into an agreement with marine valve sales and service company JA Mood,.
Wärtsilä received an order to supply complete main propulsion systems for six new chemical tankers. The ships are being built at the Hudong-Zhonghua Shipbuilding
Pod propulsion system Azipod® was the propulsion system of choice for 6 new cruise liners in 2013, say manufacturers, ABB. The company won orders worth $180 million
The European Union will support with €3.6 million from the TEN-T Program a series of studies preparing for the upgrade of the infrastructure in the Swedish Port of Luleå.
Ministers from 159 countries have reached agreement on a deal intended to boost global trade at a meeting in Bali, Indonesia. The World Trade Organization's (WTO)
The bulk ship owners announce its initial public offering of 15,500,000 common shares, granting the underwriters a 30-day option to purchase up to 2,325,000 additional common shares.


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Global networks and technological innovations are transforming the world. To adapt to these changes, designers need to be responsive, agile, versatile, and knowledgeable problem solvers. The Parsons BFA in Integrated Design is an inquiry-based and student-driven program, providing students with the knowledge and the skills to meet the challenges of the 21st century. Participants in the program are social, cultural, and ecological innovators who are passionate about economic and environmental equity.
The program's core courses are framed thematically, as four areas of study (AoS)—Sustainability, Service Design, Fashion, and The Urban—to focus students' interests and provide a solid creative and intellectual foundation. A range of program electives broaden students' knowledge, enabling them to make connections between ideas, trends, and disciplines.
Integrated Design is a flexible program that offers students unlimited opportunities to take courses in any of the programs in the School of Design Strategies and across Parsons and the university. Throughout their studies, students enroll in art and design history and theory courses and related studio classes, acquiring essential research, writing, and critical reasoning skills while developing conceptual foundations for creative inquiry. The program's curriculum offers students maximum flexibility in selecting studio credits, and its elective courses are open to all New School students.
The Integrated Design program prepares students to enter a variety of design careers or pursue advanced design study. Many graduates combine design with entrepreneurship by starting innovative design businesses.


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July 12, 2012
10 Ways Tech Makes Old Age Easier
Yesterday the Republican-controlled House of Representatives, as it had 32 times before, voted to repeal what's become known as Obamacare. There is no chance the Democratic Senate will follow suit.
So, until the November election, it looks like health care at the national level will pretty much live in the Land of Swirling Rhetoric and Symbolic Gestures.
This is unfortunate because it's a slice of our future that's pockmarked with some ugly realities. Here's a personal favorite: Two years ago, more than 40 million people 65 years or older lived in the U.S. By mid-century, more than twice that many people–roughly 88 million–will be that old. That's one out of every five Americans.
In other countries, particularly in Europe, it will be even worse, with a stunningly high percentage of their populations expected to be on the downhill side of 60. In Spain, 37 percent of the people will be that old. In Japan, it will be even higher, maybe as high as 43 percent.
No question that a whole lot more people in the world are going to need help taking care of themselves. Which is why there's a big push now to see how much of that load can be handled by technology–from wearable sensors to helper robots.
Here are 10 tech tools that are making it easier for old folks to avoid spending their final years in nursing homes:
1) One day we will all be Kinected: Researchers at the University of Missouri are testing to see if they can use Kinect motion sensors—yes, the ones originally designed for xBox games–to monitor elderly residents in another state. This is considered less intrusive than using actual video cameras since they'd be seeing only silhouette images. The system's already being used at an independent living facility near the Missouri campus; now, with the help of a National Science Foundation grant, the scientists are going to see how well it works in keeping in touch with old people in Cedar Falls, Iowa.
2) But there's still no curmudgeon meter: They were introduced in Japan two years ago and now wireless sensors that attach to your chest and track heart beat, body surface temperature, stress levels and movements have a good chance of becoming a standard part of the senior wardrobe. All that data, gathered on what's called a "human recorder system," is then transmitted to a mobile phone or PC.
3) A bed that gets up with you: Here's another invention from Japan, where already more than 20 percent of the population is over 65. Panasonic has developed a bed that easily converts into a wheelchair so that an elderly person can become mobile without actually having to get up out of bed. But Panasonic hasn't stopped there. It also has created a robot that shampoos and blow-dries your hair. As yet, it doesn't give advice.
4) Smell the virtual grapes: You can't expect seniors to do a lot of cycling in traffic, but those trying to stay in shape by using stationary bikes can get bored pretty quickly. A study in Schenectady, New York earlier this year, though, found that elderly people not only were more likely to get back on the bike if they had virtual reality images of France or California or outer space in front of them, but also that the faux scenery kept their brains sharper.
5) The nurse is always in: It's not exactly a magic pendant, but Nurse Alert can do a pretty decent job of protecting people. The device, which you can wear around your neck or carry in your pocket, gives you 24-hour access to nurses. There's an emergency button that connects a person directly to a monitoring center and also a non-emergency button that patches you through to a "Nurse Triage Call Center." Another feature can detect if the person with the pendant falls down. It automatically alerts the nurse center. If the person doesn't respond to a nurse, emergency crews are called.
6) Robots with helper people: Now here's a different spin on outsourcing. Willow Garage, a California robotics company, is exploring the idea of having human workers remotely help robots take care of elderly people. Called the Heaphy Project, it would involve having a person remotely control a robot using just a Web browser. Say an elderly person dropped something; the worker, who could be on the other side of the planet, would be able to see what happened through a video feed, then guide the robot to pick it up.
7) Only my phone really knows me: It wasn't designed specifically for seniors, but a new Android-based smartphone called LifeWatch V will be able to help them let their doctors know how they're doing between checkups. By holding his finger over sensors on the phone, a person can get an electrocardiogram reading or data on their stress levels, heart rate, body fat and temperature. The phone can also be used to help diabetics monitor their blood sugar levels. All of the info is automatically stored in the cloud and can easily be forwarded to a doctor's office.
8) But he doesn't do zumba: When you're 80, you're not looking for buff in a fitness instructor. So who cares if Taizo the robot looks like the the Michelin Man after bariatric surgery? Japan's National Institute of Advanced Industrial Science and Technology and a spin-off called General Robotix created the small humanoid bot a few years ago to lead classes of seniors in stretching and light exercises. He can bust 30 moves.
9) Beware of cuteness overload: While we're talking robots, you can't leave out Kabochan, a doll-like robot that's been a big hit with elderly folks in Japan since it went on the market late last year. It's modeled after a three-year-old boy–one that knows 400 phrases, responds to light, sound and movement and never throws a fit. What's not to like?
10) Your memory cheat sheet: When people talk about Google glasses, no one mentions old people. But can you imagine how much sweeter old age could be if you never had to worry about remembering a name or place or anything else? Who needs a memory when you can augment reality?
Video bonus: Here's a demo clip of Kabochan, the little robot doll that's become so popular among seniors in Japan. Be prepared, though, it may make you very afraid of your future.
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8 Comments »
how about a robot that monitors and then files all the forms required for services for the elderly
I think that instead of looking at how many elder will be around as a bad thing we look at it as a good thing, means that we are improving health and people can live longer, because why else would we keep developing health related things, drugs, exercises and exercise helpers, if it isn't to help people live longer.
Great article, thanks for sharing! I agree that technology can be very beneficial in assisting elderly people. I think that the nurse alert tag is particularly useful, it's like a panic alarm and it can monitor if the elderly person falls over.
old age is one of the very difficult age in which a person become completely dependent on other for their whole work. It is the time when they need company of their children not nursing homes.
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Polls for the runoff will open from 7 a.m. to 7 p.m. for voters in the district to choose between incumbent County Commissioner Jim Hubbard and challenger Raymond Gunnin. Gunnin edged out challenger Channing Ruskell in the three-man race on July 31.
Advance voting for the runoff was last week at the county's elections office in downtown Canton. Elections Supervisor Janet Munda said 112 people showed up to cast their ballots.
Munda added the low turnout was to be expected.
"Well, you always want a good turnout any time you have an election," she said, adding she expects a low turn out on Election Day.
Voting on Tuesday will take place at the following precincts: Air Acres, Arnold Mill, Avery, Bradshaw, Hickory Flat, Little River, Mountain Road, Neese, Union Hill, Univeter and Woodlands.
For more information, call the elections office at (770) 479-0407 or visit www.voter.cherokeega.com.


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Based in Swindon, UK, Mongoose Publishing was founded in 2001 and within 6 months became the UK's largest publisher of roleplaying games. Initially concentrating on d20 based products, Mongoose Publishing's first book was the Slayers Guide to Hobgoblins, part of the Slayers Guide series of books. Subsequent product lines followed in rapid succession with the release of the Encyclopaedia Arcane, Travellers Tales, Quintessential and Cities of Fantasy series of books.
Mongoose has earned a reputation for producing quality licensed products to sit alongside their generic fantasy ranges and their first licensed book, the Judge Dredd roleplaying game, proved to be an instant hit. Further licensed products followed with roleplaying games based on Slaine, Babylon 5, Conan, Lone Wolf, Macho Women with Guns, Paranoia and Runequest. Mongoose's newest licenced roleplaying game, Traveller, brings back the classic science fiction roleplaying game.
In 2004 Mongoose Publishing launched it's first miniatures game, Mighty Armies, and this was quickly followed by the Origins award-winning Babylon 5 spaceship combat game, A Call to Arms. Mongoose's first foray into plastic miniature games came in late 2004 with the innovative Gangs of Mega City One, a skirmish game based on the world of Judge Dredd. In the spring of 2005 Mongoose Publishing released the Starship Troopers miniatures game, a mass battle game in 28mm scale pitting humanity against a host of enemies in a battle for the species. Supported with a range of metal and plastic miniature releases, a year after its launch Starship Troopers had already won the Origins 'Best New Game' award and was supported by over 50 different releases. Our current miniatures games include Judge Dredd and A Call to Arms: Star Fleet.
Mongoose Publishing's miniatures games and roleplaying games continue to provide gamers with fantastic worlds in which to immerse themselves, and the company has become a recognised force in the world of hobby games.
An adventurer is only as good as his equipment, so the saying goes – and with this mighty tome, your adventurer will be the best-equipped he can be. From new weapons and armour, to the more mundane items that keep an adventure going, Arms & Equipment is a complete catalogue that will keep players coming back for more after every adventure.
This book provides you with everything you need to know in order to integrate the world of the arena into your existing campaigns. The first part details the arenas themselves and the people behind them – stable masters, nobles, arena managers and, of course, the gladiators. Five arenas are provided, ready to be slotted into any town, city, or even dungeon.
Next comes new rules to... [click here for more]
A complete setting for the Legend Roleplaying System, Historia Rodentia takes you to a world where animals go to war in a twisted version of the 19th Century. For fans of history or parody, Historia Rodentia provides a unique and rich setting that is easily expanded with your favourite historical events!In this sourcebook you will find: • A Campaign Setting for Brushfire's regions of... [click here for more]
If there ever was a God, then He has turned His face from this place. I have done such things that you would consider irredeemably vile and depraved and I profited from them all. Morality is an illusion; what is right is defined by the strong and the cunning.
Infernum: Book of the Conqueror is the third volume in the Infernum Roleplaying Game series. It includes:
To R... [click here for more]
You are in Hell.
For an eternity, there has been nothing in the Infernum except constant war and constant suffering. Those in power grind those beneath them into the burning dust, while those below plot and conspire to overthrow their masters and take their place and all bow before the might of the warring Houses. Now, there is dissent and opposition even against their might, as the Fre... [click here for more]
With a roar, the Oblurott cavalry charged. Huge spawn with plates of bone bolted to their hides lumbered down the slope. Oblurott demons with lances and bile rifles clung to their flanks, their eyes grimly fixed on the Sturrach lines. The ranks of the Sturrach lowered their guns; five hundred hellcannons, bile rifles and shatterguns were levelled at the rushing cavalry. Crowded into the narr... [click here for more]
The Legend RPG - for just $1!
Using the core rules from RuneQuest II, Legend is a new fantasy roleplaying game that serves as the basis for a multitude of settings and worlds. 100% compatible with all previous RuneQuest II books, including Elric of Melnibone, Deus Vult and Wraith Recon, Legend repackages the rules into a new digest-sized format.
RPG fans will not be dissa... [click here for more]
In Deus Vult, players are members of a highly secretive order of the Church at the end of the 12th century, dedicated to fighting supernatural evils that would otherwise corrupt God's divine plan for humanity.
The Deus Vult Games Master's Story Guide will show you how to run an effective campaign for this setting using the Legend Core Rulebook, illustrate the alternative history ... [click here for more]
In Deus Vult, players are members of a highly secretive order of the Church at the end of the 12th century, dedicated to fighting supernatural evils that would otherwise corrupt God's divine plan for humanity. From hunting ghouls and werewolves in the forests of the Holy Roman Empire, from tracking down diabolic cults in Rouen, to quests across the Holy Land for powerful relics that may save hu... [click here for more]
Légende est un nouvreau jeu de rôle fantastique qui intègre les rêgles de Runequest II et qui sert de base à une multitude d'univers et de décors de campagne. Il est 100% compatible avec les précédents ouvrages de RuneQuest II : Elric de Melniboné, Deus Vult et Wraith Recon. Légende réintroduit le jeu de r&oc... [click here for more]
Foes, beasts and creatures from every corner of the world can be found in this tome, ready to use in your games of Legend! Whether you are looking to populate your world with rare and exotic fiends to foil your players, or simply provide them with some gladiatorial entertainment, this book contains just what you need for the new Legend rules.
Like the Legend Core Rulebook, Monsters of L... [click here for more]
There are many mundane and supernatural beasts in the world, and there are those which push the boundaries of power in many ways. Some of the beings inside this book are true Monsters of Legend, power-houses of brute strength, demonic masters who shake mountains with their footsteps. These are monsters which seasoned adventurers should fear, respect and challenge in epic confrontations.
... [click here for more]
Cet ouvrage contient des monstres.
Ce n'est pas tout à fait vrai ; il introduit en fait des créatures en tout genre. Mais les monstres – ces entités d'origine surnaturelles qui font peur – constituent une bonne partie de son contenu. Toutes les créatures présentées ici peuvent être utilisées pour peupler des ... [click here for more]
Welcome to the past that never was. OGL Ancients is a roleplaying game set in a world long past, where Greek heroes do battle with hideous monsters and artificers work mechanical miracles, while priests petition the Gods for their divine intervention. Witches weave spells in secret glades under the full moon and the spirits of the dead really do revisit the living and wicked spectres lurk in th... [click here for more]
OGL Cybernet – Cyberpunk Roleplaying lets you and your friends explore the grim and gritty world of cyberpunk. Whether you explore the web, hire yourself out as cyber-equipped guns... [click here for more]
Imagine a world where computers were developed a century before their time, powered by levers and steam engines instead of microprocessors; a world where the zeppelin never went out of fashion and new technology made it safer and faster; where brave men and women explore a yet undiscovered world to find the wondrous ruins of lost civilisations; where the mysterious age of magic is slowly fading... [click here for more]
'A pyrate is Hostis humanis generis, a common Enemy, with whom neither Faith nor Oath is kept… if Pyracy be committed on the Ocean, and the Pyrates in the attempt be overcome, the Captors may, without any Solemnity of Condemnation, hang them up at the Main Yard; if they are brought to the next port and the Judge rejects the Tryal, or the Captors cannot wait for the Judge, without Per... [click here for more]
Tir Nan Og – The Land of the Young – is a place of myth and legend, where the warring tribes of Celts fight one another constantly, except when joining forces to combat invaders. It is here that Slaine mac Roth built his legend in the pages of the comic 2000AD and now you can also adventure in his world, with the new RuneQuest rules system. In this new RuneQuest setting your charac... [click here for more]
Kiss My Axe! Immerse yourself in Celtic myth. Based on the legendary 2000AD comic strip saga created by Pat Mills and Angela Kincaid. Slaine is a brand new d20 role-playing game giving you background on Tir Nan Og, the Land of the Young in Celtic legend and full rules for playing the various characters found there. The innovative skill-based magic system lets all characters cas... [click here for more]
A free,100% Open Content add-on module for Legend, introducing Spirit Magic into the game.
In the land of the tribes of the Earth Mother once existed a ring of stones called the Teeth of the Moon Sow. Many tales were told of it as a place of power and pot... [click here for more]
Welcome to Fantasy Roleplaying as it was meant to be.
Herein you will find everything a Game Master needs to run the Wayfarers Roleplaying Game.
This reference book includes hundreds of detailed creatures, enchanted items, and resources for designing a rich campaign setting. Useful analysis, optional rules, helpful advice, and a customizable system make creating and running adve... [click here for more]
Herein you will find everything a player needs for the Wayfarers Roleplaying Game.
Whether you wish to play a brawny wizard, a cutthroat knight, a foppish assassin, a corrupted priest, a bookish rogue, or a more archetypal persona, Wayfarers makes it possible. With a focused skill system, four types of magic, and over 500 spe... [click here for more]


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Last edited by hrishi; 01-28-2008 at 11:15 PM. Reason: pic
Excellent info hrishi, thank you!
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What if you slept? And what if, in your sleep, you went to heaven and there plucked a strange and beautiful flower? And what if,when you awoke,you had the flower in your hand? Ah, what then?
― Samuel Taylor Coleridge
most welcome
you are a lighthouse of handy info. blessings xxx
hrishi, please help me with more info. i experienced the spiritual emergency middle of this year. it was frightening as hell but it has left me soaring with love and a huge thirst to learn all i can. i have exhausted our library and bookshops with the limited stuff we have in a very closeted spiritaul society. i am ready and willing. PLEASE could you all lead me to places where i can learn all there is to know :-) really tho i need to be educated. i have developed hugely with guidance from spirit but i need to know more and more and more. by the way, i went to a beautiful place today, whispy cloudy secretive place and there i found some silvery souls hiding between the softness of the clouds, they are smiled at me secretly and i had the vague feeling i knew them... wasnt any of you guys was it. im going back there again and again and again. huge hugs and kisses xxxxx
thank you hrishi u've aided my understanding.
Last edited by hrishi; 01-28-2008 at 11:15 PM. Reason: --xx--
why was hrishi message deleted. I wanted to read this
"Seeking enlightenment is the most beautiful form of aloneness yet the loneliest that can't be compared to anything else." Hidden Content
I know! Can anyone remember?
GUS bless you
(God, Universe, Source)


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EDITEDannounces the release of the Forester GPS GIS software application for the Apple iPad. As many foresters already own an iPad, they can quickly benefit from GIS mapping technology by installing this affordable app on their device. This app will let small woodland owners, forest consultants and other natural resource management professionals easily create land boundaries by importing data in Shapefile or DXF format, by precise digitization or by entering deed calls. The users will be able to create a grid of cruise points over a timber stand for plot sampling or point sampling. The built-in angle gauge can be used for selecting the sample trees for point sampling. Basal Area per Acre for each point will be automatically computed from the recorded Tree Tally.
The Forester GPS GIS app is packed with many powerful software tools. Besides being able to record attribute information for each timber stand and each cruise point, the users will also be able to enter formulas to compute values derived from the recorded data. In conjunction with a compatible accurate GPS device, the Point Stakeout function can help the users locate the cruise points, and the Line Stakeout function can help them stay on a cruise line.
Like all the other apps from CMTINC.COM, this app does not require a data service plan to run.
Detailed Function List:
* Import the shapes from Shapefile or DXF file.
* Precisely digitize Points, Lines and Areas over the built-in Map.
* Create a Line or an Area by entering Deed Calls.
* Move existing points or nodes to fine-tune the map drawing.
* View position, length and area values for the Features.
* Work with Metric and English units and BAF values.
* Create grid points or grid lines over an Area Feature.
* Use the built-in angle gauge to select trees for point cruise.
* Check borderline trees based on limiting distance calculation.
* Calculate the actual stem length of a leaning tree.
* Convert between horizontal distance and slope distance.
* Create multiple attribute tables (Feature Lists).
* Tag the Features with pre-defined Attribute/Values.
* Enter a formula for an Attribute based on other Attributes.
* View or edit Attribute Values in a spread-sheet display.
* Sub-divide an Area.
* Combine two adjacent Areas into one Area.
* Create buffer zones around a Line or Area Feature.
* Label the Features with ID and Attributes.
* Label the Lines with segment lengths and directions as well as corner angles.
* Label the Areas with size in acres and square feet or hectares and square meters.
* Measure distances and areas without saving the shapes.
* Create a Point from the entered address or coordinates.
* Create a Point or record a node by picking the GPS location.
* Use GPS to stake out Points or nodes on a Line or Area Feature.
* Use GPS to stake out a Line or Area boundary.
* Save the job data file for later use.
* Output the drawing and the coordinates to PDF.
* Email the job data files and the PDF files to your colleagues.
Moderation notice: This post has been edited by the iPadForums staff in accordance with theForum Rules No External Links


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Sri Lankan President Mahinda Rajapaksa announced that Sri Lanka has found a natural gas field for the first time. He stated that he had been informed of this by Cairn, the company exploring for oil and gas in the Mannar Basin Sri Lanka.
The President also said he believes that oil will be discovered in Sri Lanka as well in the near future.
Cairn Lanka, which began oil drilling operations in the Mannar basin in August, has confirmed that it had informed the Sri Lankan authorities about the finding, foreign media reported.
The President has said that he is elated of the new discovery and expressed confidence that Sri Lanka will harness crude oil from its own oil fields.
Cairn India, the parent company of Cairn Lanka, in a statement issued Sunday has said that the discovery was made at a depth of 1,354 metres (4,442 feet) below sea level, a Reuters report said. Cairn has said that further drilling will be required to
Continue reading at NowPublic.com: First Gas Field Find in Sri Lanka | NowPublic News Coverage http://my.nowpublic.com/world/first-gas-field-find-sri-lanka#ixzz1ZZ5uywKr


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2:00 pm SID THE SCIENCE KID SID'S HOLIDAY ADVENTURE
2:30 pm CURIOUS GEORGE MONKEY STAGEHAND/MAGIC GARDEN
3:00 pm MARTHA SPEAKS THE PUPPY SHOW/NEVER FORGET TO REMEMBER
3:30 pm ARTHUR FERN AND THE CASE OF THE STOLEN STORY/SUE ELLEN VE
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Wed, Sep 26, 2012 | 14:17 BST
HELL YEAH! and MvC: Origins now available on Xbox Live
HELL YEAH! Wrath of the Dead Rabbit and Marvel vs Capcom: Origins have arrived on Xbox Live. Both will run you 1200MS Points a piece. Check availability in your area through the links.


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December 19, 2013
The Ann Arbor Chapter of the Awesome Foundation has awarded Allen Samuels a $1000 cash award to support the design of a protective mask for girls playing field hockey. The Awesome Foundation funds winning proposals that they feel will have a positive affect on their community. In this case, girls who play field hockey are often injured when they are struck by the hard wooden sticks or balls used in the game. High school girls are required to wear eye protection, but it often obscures their view and does not protect their faces from a strike. Traditions and current rules of the game do not require college players to have face or head protection, which can often lead to injuries that require stitches when they are struck during play.
When a neighbor who played field hockey at Harvard was struck by a stick, resulting in stitches to her forehead and a possible concussion, Samuels wondered why protective face masks are not required. He then began a self-initiated project that will result in the design of a simple, light weight and inexpensive face protecting mask that, if worn, could protect girls from facial injuries during play. He said that this project represented a challenge to both design a useable protective mask and to influence and change field hockey culture.
This and other self-initiated projects that deal with aging populations, disaster relief, challenges found in developing countries and designs beyond current technologies are a part of Samuels' ongoing Design Research. His work can be seen at art-design.umich.edu/detail/people/Allen_Samuels.
December 17, 2013
Nick Tobier's Public Transportation Projects are featured in RIGHTS OF WAY, an exhibition on urban mobility at Boston's BSA Space from Dec. 5, 2013 - May 26, 2014.
Curated by James Graham and Meredith Miller of MILLIGRAM-office, this show brings together various ways that designers, architects, policy makers, and individual citizens contribute to the ongoing project of the city, through an active engagement with our shared spaces of movement. Ranging from visionary proposals to everyday practices, from the city of 1960 to the city of 2030, the projects and proposals featured here all stake distinct claims about how we might design or occupy the systems that surround us.
Contributors include: Höweler + Yoon Architecture, NODE Architecture + Urbanism, Urban-Think Tank, Cities Without Ground Collective, and Stylepark.
BSA Space is Boston's leading cultural institution on architecture and design, and is home to the Boston Society of Architects.
Dec 5, 2013 - May 26, 2014 at BSA Space
290 Congress Street, Suite 200, Boston, MA 02210 617-391-4039
December 17, 2013
A&D graduate alumni Emilia Javanica & Carrie Morris have nearly reached their 3-year anniversary as co-curators of the ongoing performance series in Detroit, The Performance Laboratory. The December episode, themed "Fear" will feature performers from across the Detroit vicinity, including A&D alumni Reed Esslinger and Emilia Javanica.
The FEAR Show
Friday, December 20, 8pm
Museum of Contemporary Art Detroit (MOCAD)
4454 Woodward Ave., Detroit, MI 48201
Featuring performances by:
-Thomas Bell
-Shoshanna Utchenik, Richard Newman & Liza Bielby
-Adrianne Finelli
-Dan Tower
-Emilia Javanica
-Kathy Liesen & Bridget Michael
-Reed Esslinger
FEAR: a distressing emotion aroused by impending danger, evil, pain, anxiety, phobia, apprehension, unease, insecurity, chaos, death, humiliation…. Whether the threat is real or imagined, the feeling or condition of being afraid.
"I'm intimidated by the fear of being average." -Taylor Swift
"The only thing we have to fear is fear itself." -Franklin D. Roosevelt
"There are two kinds of fears: rational and irrational- or in simpler terms, fears that make sense and fears that don't." -Lemony Snicket
The Performance Laboratory is an interdisciplinary performance series established in March 2011. Encouraging original works and the exploration of new ideas, The Performance Laboratory aims to facilitate impassioned dialogue around the possibilities that lie within performance. Our goal is to offer a consistent forum for ideas to be shared and developed, new artistic partnerships to be made, and a supportive and diverse community to gather. For more information, please visit: http://theperformancelaboratory.wordpress.com/
December 17, 2013
Banish the winter doldrums, and satisfy that resolution to learn a new skill at the same time… join us at the FLY studio every Friday, and learn to knit! Each week in this four-week session we will explore a new technique, each building on the next, with a new project being started each class. Class tuition is $20 per student per class or all 4 for $75. Supplies are provided for all classes, as well as a "how-to" instruction reminder. Flight Instructor is Katie Whitehouse, who has been teaching knitting to others for over 10 years. Classes are suitable for folks ages 8 and up. Register at http://www.flyartcenter.org.
January 10, 7:30pm – Knitting/week 1: Casting on/Knit stitch – Make a Dishcloth!
January 17, 7:30pm – Knitting/week 2: Casting off/Purl stitch – Make a Ribbed Scarf!
January 24, 7:30pm – Knitting/week 3: Increasing/Decreasing – Make a Rosette or a Diagonal Stitch Cozy!
January 31, 7:30pm – Knitting/week 4: Knitting in the Round – Make a Hat!
Learn more about FLY and see other available classes at http://www.flyartcenter.org
December 17, 2013
The University of Michigan's Ginsberg Center for Community Service and Learning is launching a Little Free Library as part of its larger "Literacy In Action" campaign. This is a wonderful opportunity for emerging or established local artists to gain exposure around their work while contributing to the improvement of literacy in our City. Artists of all backgrounds and skill-levels are encouraged to submit proposals for the design and construction of a Little Free Library that will "travel" to various locations around Ann Arbor next year.
More about the Little Library:
Little Free Libraries promote a love of reading through free book exchanges. The idea began in 2009 when Todd Bol of Hudson, Wisconsin built a model of a one-room schoolhouse as a tribute to his mother. He filled it with books and placed it on his front lawn with a sign that read "Free Books." Numerous Little Free Libraries have since popped up across the country, providing greater access to books and fostering a sense of community as citizens utilize a shared public resource.
Proposals should be limited to one-page and include:
—An overview of your concept;
—Proposed size, weight, and materials to be used (specifications to help you think about this are included below);
—Cost to design and construct;
—Timeline for completion of full design, construction, and delivery.
Deadline: January 15, 2014 5PM
SUBJECT of email: Little Free Library Proposal
Specifications to consider: (Little Libraries typically are…)
—Size: 20X21X22 inches
—Weight: 40 pounds (including the post that goes into the ground)
—Materials: Typically wood, but we encourage you to think creatively about this! Preference will be given to submissions that utilize recycled, sustainable materials; materials that are cost effective; and materials that are weather-treated and able to withstand rain, snow and ice.
—Concept: We encourage you to think creatively and interpret this in ways that reflect your individual skills and passions!
For more photos of Little Libraries: http://www.pinterest.com/ltlfreelibrary
For more information about the Ginsberg Center: http://www.ginsberg.umich.edu
December 17, 2013
"Faith Wilding in conversation with Irina Aristarkhova" takes place on January 9, 6-9pm, at threewalls Gallery, Chicago, as part of a special preview event celebrating Faith Wilding's first retrospective, "Fearful Symmetries" (January 10 - February 22)
threewalls Gallery
1044 W Randolph St.
Chicago, IL
December 17, 2013
Animal Acts: Performing Species Today, co-edited by Professor Holly Hughes and Una Chaudhuri, Collegiate Professor of English at NYU, arrives in bookstores on January 24, 2014. This anthology includes unpublished performance texts by influential artists including Rachel Rosenthal, Deke Weaver, Carmelita Tropicana and Holly Hughes accompanied by commentaries by leading scholars in the fields of animal and performance studies including Donna Haraway, Larry La Fontaine, Jill Dolan, Cary Wolfe, and many others. The University of Michigan Press will also host video clips of many of the performances in excerpted form.
December 10, 2013
Purchase original, hand-made prints by Stamps students at the Duderstadt Connector (hallway between Pierpont and the Dude) from 10 AM - 3PM on Tuesday, Dec. 10.
The Blue Print Artist Press and Collective; artists, designers, creators, makers and shakers. Together, we foster a community to promote our education beyond the classroom. Through exhibitions and collaborative projects we cultivate new work and ideas to create a strong presence on campus and beyond. Come to our first event this Tuesday, December 10 at the Duderstadt.
December 10, 2013
This Thursday, Dec. 12th, Medora, a film featuring cinematography by MFA candidate Peter Leix, will be showing at Michigan theater at 7pm.
There will be a Q&A afterwards with the makers of the award-winning documentary.
Directors Andrew Cohn and Davy Rothbart (familiar to "This American Life" fans as the publisher of Found Magazine) visited Medora, Ind., over the course of the 2010-11 basketball season, during which its tiny high school of 72 students competed against teams from consolidated schools 10 times its size. As the film opens, Medora is dead last in the standings and the team's first-year coach is delivering a withering locker-room speech to a group of dejected players. The filmmakers zero in on a few, to reveal teenagers struggling not just on the hardwood, but against unemployment, poverty, absent or troubled parents and a 21st century America that seems to have left them behind.
December 6, 2013
This morning, Stamps faculty and Pulitzer prize winning photographer David Turnley is on his way to South Africa to document Nelson Mandela's funeral. In recent interviews with Time (A Tribute to Nelson Mandela by Pulitzer Winner David Turnley), NBC (Ann Curry Reports: Nelson Mandela's life and legacy remembered by award-winning photog) and CNN (Anderson Cooper: Mandela's battle against apartheid and America's civil rights movement), David talks about the special relationship he developed with Mandela during their 30 year relationship and Mandela's place in the global struggle for human rights.
December 2013 | ||||||
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CAL FIRE are reminding everyone about fire safety during the holiday season and throughout the winter months. During the Christmas holiday, Christmas tree fires are a real danger. While they are uncommon, when they do occur, they have a higher chance of being deadly.
Christmas Tree Fire Facts
Christmas Tree Safety
As you deck the halls this holiday season, be fire smart. A small fire that spreads to a Christmas tree can grow large very quickly. After Christmas, get rid of the tree when it is dry. Dried-out trees are a fire danger and should not be left in the home or garage, nor placed outside against the home. Check with your local community to find a recycling program. Many service organizations will collect your Christmas tree for a small donation. Bring outdoor electrical lights inside after the holidays to prevent hazards and make them last longer.
Picking the tree
Placing the tree
Lighting the tree
Simple precautions should also be followed when using wood fuel for heating. During the cold winter months, many people use wood-burning appliances for heat. More than one-third of Americans use fireplaces, wood stoves, and other fuel-fired appliances as primary heat sources in their homes. Unfortunately, many people are unaware of the fire risks when heating with wood and solid fuels.
Heating fires account for 36 percent of residential fires in rural areas every year. Often, these fires are due to creosote buildup in chimneys and stovepipes. All home heating systems require regular maintenance to function safely and efficiently.
Remember these simple safety tips:
For additional tips, visit the U.S. Fire Administration website US Fire Administration.


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Tuesday, December 23, 2008
The Bailing Out Of Homeowners Will Be Unfair
The above is important context for this post. No matter what the final combo of acronymed facilities, stimulus programs and the like it will not be fair to everyone.
First, a slightly more serious point. There has been chatter about refinancing mortgages to 4.5% but then the chatter moved to talk of 3%. This would create a lot of problems, well maybe not the borrower. Lending a bunch of money for 30 years at 3% exposes lenders to interest rate risk. What happens when rates go back to normal? Any bank loaded down with a bunch of 3% debt that is unlikely to refinance away will face a whole new set of writedowns when rates go back to 6 or 7%--or higher. It would seem to me there would be all sorts of problems for banks and other lenders putting out that much money at 3%.
I don't know if securitization is now supposed to now be dead but assuming not how eager are you to collect 3% for ten years, oh wait no I mean 30 years? 3% would seem to be a problem at many stops along the food chain and so I doubt it will happen.
Now for my not so serious idea, scrap all of the acronyms and stimulus plans now in motion or on the drawing board. According to this there are 44 million mortgages out there. Why not structure a program that earmarks every mortgage be reduced by $100,000 and then refinance every mortgage based on the new principal amount at the same interest rate already in place for the specific mortgage?
If you have a $400,000 balance at 7% after implementation of this plan you would have a $300,000 balance at 7%. The borrower would have a payment that was smaller by $665, the bank would have another $100k to strengthen its capital ratios and a loan with an interest rate that is still marketable.
You might be wondering why not give everyone the same percentage of their mortgage, like 20%. You certainly could but that would be as unfair.
The only, ahem, problem is that the cost is off by one decimal place. If I counted zeros correctly, the cost would be $44 trillion. If it worked out to $4.4 trillion it would be in the ball park of what will be spent. Oh well back to the drawing board.
30 comments:
- Anonymous said...
I'm not sure you counted the zeros correctly. I think it is $4tr. Also, "wiki" says the whole us residential mortgage market is $10.6 trillion. "Only" 10% of those mortgages are in trouble. Hence for $1 trillion it seems to me all bad mortgage problems could totally " go away". As you say ...that would be totally unfair, but it would make the problem go away.
Instead the government is spending several trillion in bailouts, stimulus, loans, etc. and spreading fear and panic.
I have come to believe the $1tr in bad residential mortgage loans being the cause of the problem is way overstated. It is simple to understand and people can relate to it, so the pols and press push it. However, the bad mortgage problem could be solved for a lot less money than the govt. is spending. I think the real problem the government is trying to make go away is $55tr in unsecured credit default swaps. Trying to explain that to that market to the public is nearly impossible so it is not talked about. However, I don't things will return to "normal" until the cds situation gets under control/unwound.
Question: what is the "term" of a credit default swap? Does it last for 1-3 years? OR does it last for the life of the underlying security which is likely longer term? - 7:47 AM
- Roger Nusbaum said...
A way to make it less fair would be to limit it just to California, Arizona, Nevada and Florida and give them each $200,000 not just $100,000.
- Anonymous said...
While bad residential mortgage loans may be important or even the crux of the economy's larger problems, bailing out homeowners would leave a bad taste in my mouth. I've owned six homes, never had a morgage below 8%, and am now mortgage-free. Current mortgage rates make me salivate, and then to hear talk of bailouts at 3.5% seems, well, unfair.
That must be how non-automakers feel these days, too. - 8:07 AM
- Anonymous said...
I like Dr. Hussman's idea of, yes, allowing a reduction of principal but then having that reduced amount as a claim against futures sales proceeds either during lifetime or in an estate. YOU CAN'T GIVE THESE PEOPLE SOMETHING FOR NOTHING!! Some skin needs to be in the game for all involved or it won't work.
- Anonymous said...
You are talking about giving $100k to people who intentionally lied on their mortgage application.
These people should be in jail not rewarded. - 8:12 AM
- Roger Nusbaum said...
actually it is a tongue in cheek suggestion that would give the $100k to the bank and reduce the loan balance for the borrower, note the emphasis on tongue in cheek and the label of humor attempt.
- Stephen Drone said...
Trouble is: you call it humor, the government calls it policy. Heh.
I don't like that type of idea, but I haven't put concrete thought into what should be done. At least partially because I'm annoyed that, in the end, these people will get rewarded and I won't. heh. - 9:26 AM
- James E. said...
Let's stay with the $100,000 for each mortgagee that originally put 20% down (doesn't matter if they have an equity loan) and is in the 28% tax bracket or lower. It could also be extended to those who put at least 10% down and have no additional home equity loan. Now that has to significantly reduce the 44MM mortgages and help the people who didn't lie.
Oh, and if you are in the higher brackets and think this is unfair, your greed is showing! - 10:11 AM
- Leisa said...
Not all of the people with mortgages in excess of the FMV were liars. Basically, anyone who bought a home in the last 3 years paid too much. If this were your first home, you really got screwed, because you did not have an overpriced home to sell.
The lenders may as well create a long term reserve for excess loan value--it is likely to be LESS than non performing loans that will result from failing to modify the loan terms. Perhaps the FED comes in to shore up the "reserve" and then the banks amortize (reduce) the reserve against the loan payments. Rather than recognizing a monstrous expense, they do so over the life of the loan.
To the extent that home prices recover over the life of the loan, then the reserve could be reversed. - 1:06 PM
- Anonymous said...
What's wrong with just enforcing contracts. This country was built on the rule of law and fair play. If crimes were committed, then appropriate action should be taken. If investors were greedy, then a humbling lesson of risk vs reward will be taught. If people bought more house than they could afford, then next time (if there is one) they will pay more attention and ask questions. I seriously doubt we'll see people thrown out of their houses living in cardboard boxes.
I don't know who will be harmed, but those of us who played by the rules and pay our taxes should not have to shoulder the burden. I worked hard to pay for my house and never asked anyone for assistance. We have lived below our means and showed restraint while others were spending like there was no tomorrow. Well, tomorrow is here.
If the feds have to get involved, they should just correct the supply and demand problem with bulldozers. - 1:22 PM
- Roger Nusbaum said...
rule of law and fair play? that ship has sailed. Homey don't play that. That dawg don't hunt.
- Anonymous said...
Anyone who is an observer of Chicago-style politics knows that the maxim for any political act is, "Where's mine?"
There are a lot of votes to be bought with the currency of "mine", usually unwarranted and unjustified. The orgy of socialist envy has only just begun.
- Anonymous said...
I'm 45 and I guess it just shows how out of touch I am Roger, I have no clue what your 1:28 post means. Care to translate into English?
Anon 1:22 - 2:15 PM
- Roger Nusbaum said...
just a joke; rule of law and fairplay seem to have taken a backseat.
- James E. said...
Let's see, hmm. This is for anon 1:22, the homey.
There's an older homeless woman in out little town. She is out all day on the square and then goes to a shelter (PADS) at night. We don't know why she is homeless. Could be unfortunate circumstances or it could be by choice? We don't care. We see her every week or so and we give her some money. She's not begging or looking for a handout. She just wanders around the square or sits on a bench. Everyday. It's been brutally cold here and we would feel badly if we didn't help. There are many like her.
But if I listen to anon 1:22, then to heck with her. Hey, don't give her anything because it's probably her own fault! Why should you give away your hard earned money?
Because it's the human thing to do and people need help with their mortgage. Any plan we follow will find money going to someone who doesn't deserve it. So what? We will be helping people.
Anyone who disagrees should give pause. Especially at this time of year.
We don't need no stinkin scrooges!
Sorry to use your blog site as a forum for my soap box dissertation. I couldn't help myself. - 3:12 PM
- Anonymous said...
Knock $100,000 off of the mortgages but make them take in a homeless person and support them. Give the banks a cds for $100,000 and tell them they can call it capital. It will be a Merry Christmas to all.
- Anonymous said...
Whoa 3:12,
You have the wrong guy. I'm no scrooge. I said I doubt we would see people living in cardboard boxes mainly because I believe people for the most part will step in and help those in true need. For the average joe that bought too much house, he'll find a way to survive. Friends, family, whatever.
You can blame do-gooders who believe institutions for mentally ill people are inhumane for flooding the streets with the homeless. I have seen in my community where government run institutions for the indigent/mentally ill are closed and the residents have no where to turn but the streets. I'm sure you have heard this before.
FWIW, I have contributed generously to the Salvation Army, the Wounded Warrior Project,and the Smile Train. I also have not laid off any employees in this downturn and have actually paid them for not doing any work. They all appreciate it too. They also appreciate their $2500 Christmas bonus. Furthermore, I provide a man free housing and utilities and ask nothing in return except to have a living being at night near my machinery yard to keep the thieves away. I don't want a pat on the back or recognition, I'm just asserting that I am not scrooge-like.
I know there are uncaring people out there, but I am not one of them. But I believe the best way for people to get out of their problems is for them to help themselves.
If you're so compassionate, why don't you take the homeless woman in yourself? Why don't you provide her a place to live? Why don't you give her a job so that she can help herself?
The answer is, each of us can't help everybody. We do what we can. But we don't have to let dishonest and greedy people walk away from their bad deeds.
Anon 1:22 - 3:38 PM
- Anonymous said...
To James E.
Charity begins at home. If she is wandering about, the lady is either mentally unstable or does not have the right government case worker granting our tax dollars on some totally free home/utility/counseling/job training(sic)/free food and transportation program. Or both.
Living in an urban area, her situation as you describe sounds very fishy to me. Very fishy, indeed. - 3:38 PM
- James E. said...
To anon 1:22
Good for you. Your first comment inferred a different person.
To anon 3:38
We've lived in this small town for 18 years and we know who most of the homeless are. My wife has volunteered for PADS, Meals on Wheels and was president of our Food Pantry. They don't beg, ask for a handout and as far as we know, they don't commit crimes. The only fish here are in the markets. - 4:14 PM
- Tom K said...
T makes a very important point. The social consequences of this crisis could be the deathknell of this country. There are millions of us who've played by the rules, lived within our means, and don't go see government as our nanny.
Thats said, if the government continues to down the path of bailouts, handouts, and subsidies for those who've made bad decisions, those who've lived beyond their means, those who rolled the dice without care - your going to see an uprising.
I'm not talking about a guns-in-thestreet revolution, but a quiet "FU everybody, I'm getting mine too" free for all.
Matthew Lesko books will be flying off the shelf and those who previously could care less about what Uncle Sam was peddling will be knocking at the door.
How many times did Pavlov ring the bell before he got the response he was looking for? Our government may have rung their Pavlovian it-doesn't-pay-to-be-responsible bell for the last time. - 4:20 PM
- Tom K said...
I appologize for poor grammar, punctuation, etc.
- Roger Nusbaum said...
Lesko! lol
- Anonymous said...
Right on Tom K! Front page yesterday's WSJ, "Developers Ask U.S. For Bailout As Massive Debt Looms". These are the guys who started this big mess.
The headline should read, "Developers ask U.S. For KY Jelley As Stiff Prison Sentences Loom."
Sorry if I have offended anyboday.
Anon 1:22 - 4:37 PM
- Anonymous said...
Ditto on poor spelling etc.
Anon 1:22 - 4:39 PM
- Tom K said...
"stiff prison sentences"
Real stiff. We can only hope. - 6:22 PM
- Kirk Kinder said...
Here is why bailing out homeowners won't work:
1. Folks who were able to refinance out of the teaser rate mortgages are already defaulting on the new mortgages. About 38% are 60 days or more behind after refinancing. Bottom line: these homes are way too expensive for these folks...period.
2. If you follow the Hussman plan, people will still walk away. Why would they pay on the mortgage for 30years and not get the appreciation. We are programmed that homes are a wealth builder. Sure, you may get most of your principal back, but a good percentage, if not all of the appreciation would be gone. Most folks would just walk and start over.
3. Every mortgage holder would look for a way to get in on this. And, they should. If others who lied on their mortgage app get a bailout, then every American should.
4. Roger is right. What bank in their right mind would loan for 30 years at 3%. The monies they received from the TARP are being paid back at 5%. That is a 2% loss if I am doing the math right. Even at 4.5% that is still a 0.5% loss.
Let the market correct. Sure, some folks will lose their home, but they are the ones who should feel the pain, not the responsible taxpayer. - 6:24 PM
- Anonymous said...
The government is going to give these people a handout = we can't stop it = we all know it's true.
Again,, I will resort to my Dr. Hussman argument and if we drop the principal by $50,000, we give the bank a chit for the same against those people that stays with them for their lifetime (unless, of course, paid off before death) with some sort of small interest accrual to the bank and it goes as a priority claim in their estate (BEFORE the greedy kids = as an estate planning attorney, I can tell you with few exceptions, the kids are the ones driving mom and dad into the office to find out how to impoverish the folks to ensure that the kids get an inheritance while the taxpayer foots the medicaid bill = GRRRRR, don't get me started!!!)
- Anonymous said...
Here is a crazy idea:
Let lenders go bankrupt.
Let home price drop to the proper market level.
Create home purchase programs for "bankrupt" people so they can re-purchase a home for 80% off and become homeowners vs. life long debtors. - 7:48 PM
- Anonymous said...
This downturn has to be the most publisized, advertised and scrutinized in history. The big falls in all equities have been due to selling, because of the leverage needed to fund expansion in the emerging markets reversing, causing margin calls and massive speculation.
Everything is now oversold and will continue to be so through most or all 2009. - 2:00 AM
- Anonymous said...
Kirk Kinder
just so you can think about the situation correctly, your math is flawed for a bank - banks employ leverage, say 10X, therefore with a cost of funds of 5%, they would certainly not lose loaning at 3% - the cost of their money is effectively only .5%, so they would have a positive spread.
the issue is as stated, who would want to own the resulting 3% paper for 30 years. - 12:54 PM