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Market Snapshot for January 18, 2011 (6:23 p.m. ET):
Closing Prices: DOW 12,578.95 (+96.88, +0.78%), S&P 500 1,308.04 (+14.37, +1.11%), NASDAQ 2,769.71 (+41.63, +1.53%), Nikkei 225 8,550.58 (-, -%), DAX 6,354.57 (+21.64, +0.34%), FTSE 5,702.37 (+8.42, +0.15%)
Price Levels to Watch
As the market has crept higher over the past month, it's been teasing the bulls and bears alike. Although not quite on the scale of the late-October overlap, narrower trading days have seen a great deal of price retracement from one session to the next since late-December. This becomes risky for the bulls because a breakdown in the trading channel tends to lead to very rapid corrections, such as the one experienced in November.
The market threatened such a rapid correction twice over the course of the past week. The first threat took place Friday and into Monday morning. A rapid breakdown on Friday needed only a gradual correction to offer a strong setup for a daily breakdown into the new trading week. The market, however, held on. Instead of offering a second high and a trigger in futures trading on Monday, the index futures pushed higher into Tuesday morning, negating the first attempt.
A second attempt took place on Tuesday and into Wednesday morning. Once again, the indices fell quickly off highs and began to congest at the lower end of the trading range. Once again, however, that lower channel held and the market pulled higher throughout most of Wednesday's session.
Dow Jones Industrial Average (Figure 1)
Last week I looked at two scenarios as to how the daily channel could play out. The weekly charts had still left room on the upside for a break to last year's highs, but momentum was shifting compared to December, which indicated a correction. As we saw, that correction offered no further setup on the 15 minute charts for a further correction in price versus the correction it was forming over time. On Wednesday, however, the upper channel level did break in the Nasdaq, offering confirmation on our second scenario by which the market would treat the correction of the prior couple of weeks as more of a trading range and then attempt a break that would be comparable to the mid-December rally.
This breakout will have resistance when the move higher this week equals the move higher between the 19th and 27th of December and runs into last year's highs. The Dow Jones Ind. Average ($DJI) is testing last year's highs in premarket trade, but the S&P 500 ($SPX) still has room. It also needs more confirmation for the channel break though. It is testing the upper channel of the past several weeks once again ahead of Thursday's opening bell. This will up pressure on the bulls intraday into the open, but isn't enough to negate the daily breakout.
S&P 500 (Figure 2)
Index Wrap-up
The Dow Jones Industrial Average ($DJI) ended the day on Wednesday with a gain of 96.88 points, or 0.78%, and closed at 12,578.95. Twenty-seven of the Dow's thirty index components posted a gain. The strongest performers were Bank of America (BAC) (+4.94%), JP Morgan (JPM) (+4.67%), and Alcoa (AA) (+2.66%). The losers were Boeing (BA) (-0.24%), Microsoft (MSFT) (-0.11%), and Verizon (VZ) (-0.03%).
The S&P 500 ($SPX) finished the session with a gain of 14.37 points, or 1.11%, and closed at 1,308.04. The top performing industry groups were the financials (+1.7%), technology (+1.6%), and consumer discretionary (+1.6%). None of the index's industry groups posted a loss. The top individual percentage performers were Linear Technology (LLTC) (+11.55%), Amphenol Corp. (APH) (+10.96%), Altera Corp. (ALTR) (+9.88%), and Texas Instruments (TXN) (+8.56%). The top decliners were Sunoco Inc. (SUN) (-12.38%), State Street Corp. (STT) (-6.55%), Apollo Group (APOL) (-6.36%).
The Nasdaq Composite ($COMPX) ended the session higher by 41.63 points, or 1.53%, on Wednesday and it closed at 2,769.71. The strongest performers in the Nasdaq-100 ($NDX) were Linear Technology (LLTC) (+11.55%), Altera Corp. (ALTR) (+9.88%), and First Solar (FSLR) (+7.48%). The weakest were Apollo Group (APOL) (-6.36%), DirecTV (DTV) (-3.03%), and Fastenal (FAST) (-2.69%).
Nasdaq Composite (Figure 3)
Unless otherwise stated, the index action described in this article relates to the E-mini futures contracts for the respective indices. Actual index action may differ slightly in terms of pattern formation, although the market bias will remain the same.
Toni Hansen is president and co-founder of the Bastiat Group Inc., DBA Trading From Main Street. Toni is one of the most respected technical analysts and traders in the industry. She has been trading and educating new traders, money managers, professional market analysts and traders throughout the boom and bust of the last decade. She has worked in conjunction with some of the world's top financial exchanges. Learn more about Toni Hansen and the educational services she provides through her website at http://www.tonihansen.com.


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GOP lawmakers and Gov. Walker don't yet see eye-to-eye on expanding Wisconsin's school Choice or voucher program and creating a charter school board, so the Legislature's budget committee has delayed action on the items.
While the U.S. debates the use of drones for military purposes, a bipartisan group of Wisconsin legislators is proposing rules for civilian and police use here. A committee is gathering public input Wednesday.
The Joint Committee on Finance was expected to vote on the school vouchers on Wednesday; however, lawmakers adjourned without taking action on the item.
State officials could check the bank accounts of unemployed people, under a proposal in the state legislature.
The law would also require financial institutions that do business with the state to monitor unemployed people's accounts. Banks and credit unions would be required to report overpayments due to error and disclose information about people who owe money to the unemployment system.
The Joint Finance Committee recently approved a provision in the Governor's budget that would force the unemployed to apply for four jobs a week, rather than two, to retain benefits.
A state Senate leader says talks designed to strike a compromise on Gov. Scott Walker's private school choice expansion plan have reached an impasse.

subset: commoncrawl


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BP Comment Quick Links
December 28, 2012 The Keeper ReaperOutfielders for 12/28/12Jason Kubel | Arizona Diamondbacks Owning Jason Kubel last year was a lot like being the aptly named (since this is a baseball article) Tom Hanson from 500 Days of Summer. If you jump between different days of his season, one day you're running gleefully through IKEA but on the next you discover the sink is broken, all your sinks are broken. Moving from plumbing back to baseball, for Kubel this means his season was very bipolar. The week of July 15 he was the hottest hitter in the game while swatting five homers, yet in August and September he couldn't manage to hit above .200. Overall, Kubel paid great dividends to his owners who drafted him late, posting a career-high 30 homers, 90 RBI, and a palatable .253 average. The distribution of his numbers was less than fortunate, however, with almost none of the production coming in the latter two months. For owners looking to Kubel for help down the stretch, he was not of service, and to anyone who traded for him near the trading deadline, I apologize on his behalf. Interestingly, at 30 years old, Kubel learned a new trick, namely hitting opposite field home runs. In 2012, he hit nine the other way—about as many as he had in his previous six seasons combined. Hitting more opposite field home runs doesn't guarantee a player more homers overall; but being able to take an outside pitch deep can only help one's power game so long as it doesn't come at the expense of turning on inside pitches one would otherwise take deep. Seeing how Kubel still pulled plenty of homers as well, I'd bet he can approach 30 homers again in 2013, especially in his hitter-friendly Arizona confines. Despite his power output, Kubel tends to lack in the runs and steals departments, keeping his value outside the top 100 players. In NL-only leagues, I'd also be wary of keeping him given the trade rumors about him heading to an AL club like the Rangers, Yankees, or Rays. Even if he doesn't get moved before the season starts, you can bet his name will pop up again in July if the D'Backs aren't contending. Corey Hart | Milwaukee Brewers
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Julio Anta first told his father that he wanted to be a professional martial artist and bodybuilder at age 7. He dedicated the next several decades of his life to mastering his craft, immersing himself in disciplines including judo, kung fu, and tae kwon do. However, solitary training just wasn't cutting it. Julio was compelled to share his understanding of self-defense and physical conditioning, and soon, a studio was born.
As the owner of Anta's Fitness and Self Defense, Julio empowers his students with a combination of practical self-defense classes and inspiring fitness-based workouts. The studio embraces a number of diverse martial arts, and uses a modern understanding of fitness and physiology to teach the timeless techniques and philosophies that define each style.
The schedule features these self-defense sessions along with fitness-oriented classes that tone muscles and improve cardiovascular health with Pilates techniques, kettlebell workouts, and games of Red Rover in the studio's wind tunnel. Additionally, the instructors offer programs for children and teenagers that nurture budding self-control and confidence in a supportive environment.
Fight Club Miami hones physiques with intensive exercise regimens and self-defense classes in a thoroughly equipped, 20,000-square-foot facility. With a 30-day membership, guests can incinerate insidious calories with the gym's new Life Fitness cardiovascular circuit or summon telephone-pole-plucking power with free weights. Don a pair of Title boxing gloves and gracefully dodge opponents during supervised sparring in the gym's boxing rings. During Fight Club Miami's energetic classes, strength gurus guide groups of students through pulse-pumping kickboxing, fast-paced technical boxing, and muay thai, which employs locking and throwing techniques to use in self-defense against armed attackers or aggressive meat-and-cheese trays.
The instructors at Perfect Balance Fitness & Martial Arts Training strive to create a happy marriage between Eastern and Western philosophies. Master Al Agon draws from the discipline and fitness ideals of ancient martial arts techniques and modernizes them with instruction tailored to help kids build discipline and focus in school and professionals cope with stresses at work. To earn a black belt, students must exhibit devotion not only at the gym but also in other important aspects of life, such as relationships and school work, striving toward a lifetime of fitness and overall contentment. In addition to the martial arts program, the venue also hosts intense kickboxing classes in which students pummel punching bags until they agree to share the secrets of withstanding a pummeling. One-on-one personal training sessions also adhere to Agon's training philosophy and are tailored to help clients meet their individual wellness goals.
Recognizing the interdependence of fitness and martial arts, Thump Fight Gym & Fitness Center married the two, inspiring patrons of all ability levels to hone their combat skills while making strides toward an overall healthier lifestyle. The trainers and certified exercise physiologists lead martial-arts classes including boxing, muay thai, and jujitsu, challenging fighters to face off in the regulation-size boxing ring or the half cage—which has proven inadequate for housing feral exercise bikes. During each class, students burn calories and learn practical and potentially lifesaving self-defense skills. To supplement the combat training, the instructors also lead yoga and Pilates classes, spinning, kettlebell training, and CrossFit classes. The gym also accommodates solo workout routines with a weight-training zone and functional fitness equipment such as oversize tires and climbing ropes.
Aventura Mixed Martial Arts goes about business as though its staff and students are one big family. The facility was built around a culture of fitness, performance, and endurance, and the idea that martial-arts training binds people together—like a family. That concept carries through to each of AMMA's programs, including one program designed for kids as young as 3 years old. Aside from its training curriculum, the facility also offers group classes that are equal parts fun and challenging.
If people are always laughing at you in a dubbed voice and loudly declaring that your kung fu is weak, it may be time to stop watching movies and start working out. Today's deal will get you in fighting form: for $50, you get 10 dance, fitness, or martial-arts classes of your choice at Temple Arts Fitness in Davie (a $150 trial value or a $100 value for new gym members). This Groupon can be used for any class, though you'll have to call ahead to schedule OmGym, Pilates, or spinning. Parking is free.


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Hillary's Choice -- a run for glory or a quiet retirement after Secretary of State? Irish trip provided vital clues as to her intentions for 2016
Posted on Sunday, December 09, 2012 at 07:30 AM
Recent Posts
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- Inquiries into pre-Good Friday Agreement Northern Ireland crimes must end
- "Philomena" a must-see movie that breaks your heart (VIDEO)
- What JFK's America was really like in November 1963 - Time capsule of New York Daily News paper of the day
Hillary Clinton |
During the meal of sea bass and boiled potatoes there was only one topic that dominated all else at the four small tables.
Will she or won't she?
The White House will have a "for rent" sign in 2016 when Barack Obama leaves. Could she follow the first African American with the first woman and upend American politics for ever?
The answer insiders believe is a likely yes but there remains a significant element of doubt.
While the prospect is tempting the pitfalls are many and Hillary Clinton is keenly aware of them after her crash and burn in 2008
The Clintons have been part of every American national election since 1992, whether as direct participants or as key figures. It is a remarkable record and the question now is will it extend to 2016.
The Dublin dinner was a poignant occasion and one that was dominated by talk of what was next for a remarkable woman who has been Secretary of State, U.S. Senator, First Lady and a law lecturer in her career.
She has a resume unmatched by any modern day politician, indeed you would have to go back to the time of Jefferson to meet one politician who has held so many titles.
But a long resume is not necessarily a qualification for higher office in America. Barack Obama was just a one term senator .
It is not disputed that she is eminently qualified to be president of the United States. The question is will she be a contender and can she win?
There is also the bitter experience of 2008 to consider when she started as the red-hot favorite only to burn out as Barack Obama rode a massive media tide and an internet wave to victory in the primaries.
That defeat singed her in a way no other political setback had hurt. Yet the temptation for one last campaign at the age of 69 in 2016 is very real.
The speculation is already rife. The latest opinion polls show her at record popularity. her husband, fresh from helping secure Obama's victory is also at new levels of approval. Obama will be gone in four years.
Hillary wasn't saying on Thursday night what her plans were but her tireless aide Huma Abedin did pipe up and say "vacation" when the question was raised on about what she would do next.
Hillary did not address the issue but instead went around the table and asked for memories of her Irish trips and Irish American events.
It was a poignant moment. If this really is her last job in public life as many believe, then she is bidding farewell to Ireland and will return only as a private citizen.
Ireland is very special for the Clintons, where they both proved their mettle on the peace process and established friendships and links that endure to the present day. Unlike Obama's Moneygall trip which
was little more than a pleasant interlude, the Clintons take their Irish involvement very seriously.
Her aides say that as Secretary of State she has repeatedly used the Irish example in talks with Middle East leaders and others as an example of how those of different ethnicities can get along.
In many ways it was her proving ground. As she had mentioned earlier in her speech at Dublin City University, her first efforts at diplomacy in Northern Ireland had been putting the kettle on and meeting with women from different backgrounds.
During her husband's first visit to Northern Ireland in 1995 Hillary had met with community activist Joyce McCarten and dropped into her community center for tea with women of different backgrounds.
Hillary remembered she took the battered aluminum teapot back to the White House and used it as a symbol of her peacekeeping efforts."
At the time she stated " Joyce gave me an old battered aluminium teapot - which kept the tea very warm, which is what I first noticed about it - that I took with me to the White House where I used it
every single day in the second floor private kitchen."
That unlikely start as a negotiator who eventually ended up facing off with world leaders and despots in the world's trouble spots was an invaluable insight into bringing people together by stressing their
common humanity she said.
Thus, the women of Northern Ireland and her experience with the Vital Voices campaign stood to her she said.
Other lessons from Northern Ireland have clearly impacted.
The memories came cascading as friends and aides on Thursday night remembered. That December 1995 trip to Belfast and Derry when President Clinton addressed hundreds of thousands and Van Morrison sang "There Will Be Days Like This" was mentioned as a defining moment.
So too was the raucous White House Party on St.Patrick's Day in the mid 1990s when the couple finally told the carousing Irish from both sides of the divide, who would not go home, to turn the lights off they were going to bed.
Then there was the memory of the first Vital Voices conference in Belfast bringing the women from both sides together.
Earlier at Dublin City University Hillary had revealed her emotional side when mentioning a champion of those days, Inez McCormack, now battling a serious cancer.
Hillary has called the Northern Ireland peace activist several times during her illness, a sign as always that the Clintons do not forget close friends.
This is the new Hillary, the emotional one who reaches out far more than she did. As First Lady she was stand offish, as U.S. Senator she was far more engaging and direct, as Secretary of State she has her husband's ability to connect with people.
When it came to Hillary's turn to speak on Thursday night she recalled the Adams visa and the overwhelming advice not to give it and the decision her husband made to grant it.
That taught her too she said, that tough decisions often upset your own side as much as the opposition.
The 2016 race is such a tough decision. There is the capacity to upset key figures in the Democratic Party if she overly delays her decision to run or not in 2016.
There are two candidates chomping at the bit, New York governor Andrew Cuomo and Maryland governor Martin O'Malley.
Both are bright, young and ambitious yet know that they are frozen in place until Hillary makes up her mind.
If she is clever they will have a long wait. The later she decides the harder it is to mount a campaign against her, the harder it is for an outsider like an Obama-type to mount a guerilla campaign against her.
Yet she knows how fickle the press is, how they will seek to anoint some other new candidate if only to sell newspapers when the time comes around.
Her abrupt fall from grace in 2008 when she thought she was the anointed one is still on her mind.
By 2016 some other candidate now in the long grass will have emerged perhaps. In 2008 they saw the now disgraced John Edwards as the looming threat.
Obama was in their rear view mirror his chance unlikely to come for at least another eight years. He soon destroyed that illusion.
So as she departs Ireland after her successful Dublin and Belfast visits Hillary Clinton will have much to ponder. As soon as she gets the rest she so desperately needs she will face the greatest choice of her life, to run or not in 2016.
Already some Republcian candidates have made shapes and visited early battleground states.
With campaigns startng earlier and earlier Clinton will be hounded to declare by the end of 2013 on whether she intends or not to run.
In a life full of drama, glory and bitter defeat, the guess is Hillary will indeed seek that magic ring one more time and run for the White House.
The Clintons do not like unfinished business and the most remarkable couple in the history of the Republic are unlikely to pass up one final shot at history.
8 comments
Page 1 of 1 pages
SherryKay | Dec 09, 2012, 04:22 PM EST
So,frankly I wish that both Silly Hilly Clinton and can't keep his pants zipped
Zipper Boy Bill Clinton would simply fade
away into the dustbin of history so that I never had to see,or hear,or read about
Silly Hilly and Lover Boy Bill Clinton
ever again! Clintons be gone with you!
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EphraimKibbey | Dec 09, 2012, 02:06 PM EST
Blessed are the Peacemakers. Maybe it is time to turn the world governments over to the ladies and hope they can run things more rationally than the "Good Old Boys" have.
Report abuse
Nicomax | Dec 09, 2012, 01:53 PM EST
The 'Old Cow" may actually have a better chance in 2016 than the 'Young Buck', Rubio who is still a bit confused as to how old the earth is, or the 'Hefty Hippo" who once his Sandy performance wears off will be back to square one.
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Gaelicpiper | Dec 09, 2012, 01:38 PM EST
That Old Cow does not have a chance. After four more years of Butthead O'Bumma, we may not have a Nation in which to hold an election.
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Gearoid4 | Dec 09, 2012, 12:06 PM EST
What about the life in the womb ? Is a fetus or embryo a tumor to be extracted because he or she has become too "inconvenient" for "social" or "mental health" reasons? What a "triumph" for progressive thought the selfish demands of the powerful over the voiceless has become? Let us hope Ireland does not fall into the trap of passing pro-abortion legislation, as it indeed will open the flood-gates to abortion-on-demand.
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Paul Keating | Dec 09, 2012, 12:03 PM EST
Personally, while I would like to see Hillary Clinton become President in 2016, so much depends on the economic state of the country by then. If the USA is still foundering, I can't see the Democratic Party faring that well after giving Obama a second chance to right the ship of state. We'll see that the mid-term elections reveal in a couple of years and even as the Clintons fare as a couple out of the public eye every day. And like Obama, neither Cuomo nor O'Malley are likely to cede entitlement to Hillary either much less the rest of the party or candidates in the long grass.
Report abuse
pilib04 | Dec 09, 2012, 10:58 AM EST
First of all, Niall, only those on the "East Coast" consider Cuomo and O'Malley to be the front-runners. The "White Males Only" sign at the DNC has been thrown in the trash. To even suggest that they are the front-runners is insulting and also incorrect. Duval Patrick is clearly one of the front-runners and there are a number of female Democratic leaders waiting in the wings (my personal choice if not Patrick would be Debbie Wasserman-Schultz) if Hillary chooses not to run! The days of the White-Male hegemony in the Democratic Party are over! The Republicans are quickly coming to grips with this fact themselves.
Secondly,I would take exception with your your "crash and burn" comment. Hillary put up a great fight during the campaign. I don't believe there was a single instance where the campaign started to go south. However, on that note, if there was a point it would be the campaign in South Carolina, when President Clinton uttered an unfortunate and poorly selected words that were turned against the Clinton campaign. Democrats remain united behind Hillary if she chooses to run, but the White Male establishment know by now that they are not retaking the leadership of the Democratic Party.
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patrickesq | Dec 09, 2012, 10:41 AM EST
I hope she goes for it and breaks the ultimate 'glass ceiling' for women. Who knows she may even inspire the Pope to open the gender gates in the RC Church and pave the way for the first woman pope in the next millennium.
Report abuse
Page 1 of 1 pages
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Galaxy Wars TD is the most anticipated and visually stunning Tower Defense game in the theme of space science fiction. Start your battle on the alien planet now and you will enjoy an incredible game experience.Features:
* Stunning graphic effect and game animation (similar to Space Epic).
* Super HD (1380x900 and 1980x1200) maps, specially designed for pad.
* 12 maps with three difficulty levels; enjoy the endless fun!
* Interactive terrains with the open path like the fieldrunners' gameplay.
* 10 types of enemy units, including Marine, Marauder, Reaper, Hellion, Siege Tank, Thor, Viking and Battle cruiser.
* 8 types of towers, including Machinegun, SAM, Frost, Laser, Plasma, Icon Cannon, Bomb... Each tower has 3 upgrading levels.
* Free combination of all turrets.
* 3 game modes: Classic, Extended & Endless.
* Pinch to zoom in/out the battle field.
* You may upgrade your turrets at the weapons shop, which will offer you more fun.
* Tons of achievements waiting for you to achieve.
Try other awesome games by Cat Studio
"Egypt Legend - Temple of Anubis" - A Zuma style game with egypt theme.
"Little Commander - World War II TD" - A TD game with very cute visual style.
"Soldiers of Glory : World War 2" - Act as the Allied commander and win the WWII!
"Soldiers of Glory : Modern War" - A TD game that enemies could attack you back!
"Epic Defense - the Elements" - A TD game with war3 visual style.
"Epic Defense 2 - Wind Spells" - the second work of Epic Defense series, more new elements! more new towers!
"Galaxy Wars Defense" - A Space Sci-Fi TD with Stunning Graphics and Super Big Maps!
"Zerg Must Die" - A TD game with SC2 style. The gameplay very like Defense Grid
"Marble Blast - Zodiac" - Another very good Zuma Game, and you can draw your custom levels!
"Global Defense: Zombie War" - Do you like killing zombies? You will like this defense game!
Cat Studio's Facebook Page: https://www.facebook.com/CatStudioGames
Cat Studio's Tiwtter: https://twitter.com/CatStudio_Games
Cat Studio's Youtube Channel: https://youtube.com/CatStudioGames


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Real-time ASCII rendering in Javascript (part 1)
As I approach my high-20s birthday I'm feeling nostalgic for the demo coding days of my youth. I was never on the level of FC but managed some real time fire demos, plasma, bump mapping etc.
I was playing around with ASCII rendering to a <pre> block and it's fast enough in modern browsers to pull off a reasonably high resolution fractal zoomer: Demo here.


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- Dividend policy, corporate control and tax clienteles : the case of Germany (2011)
- This paper studies the impact of the concentration of control, the type of controlling shareholder and the dividend tax preference of the controlling shareholder on dividend policy for a panel of 220 German firms over 1984-2005. While the concentration of control does not have an effect on the dividend payout, there is strong evidence that the type of controlling shareholder matters as family controlled firms have high dividend payouts whereas bank controlled firms have low dividend payouts. However, there is no evidence that the dividend preference of the large shareholder has an impact on the dividend decision. JEL Classification: G32, G35 Keywords: Dividend Policy, Payout Policy, Lintner Dividend Model, Tax Clientele Effects, Corporate Governance
- Evaluating asset pricing models with limited commitment using household consumption data (2006)
- We evaluate the asset pricing implications of a class of models in which risk sharing is imperfect because of the limited enforcement of intertemporal contracts. Lustig (2004) has shown that in such a model the asset pricing kernel can be written as a simple function of the aggregate consumption growth rate and the growth rate of consumption of the set of households that do not face binding enforcement constraints in that state of the world. These unconstrained households have lower consumption growth rates than constrained households, i.e. they are located in the lower tail of the crosssectional consumption growth distribution. We use household consumption data from the U.S. Consumer Expenditure Survey to estimate the pricing kernel implied by the model and to evaluate its performance in pricing aggregate risk. We employ the same data to construct aggregate consumption and to derive the standard complete markets pricing kernel. We find that the limited enforcement pricing kernel generates a market price of risk that is substantially larger than the standard complete markets asset pricing kernel. Klassifizierung: G12, D53, D52, E44
- Credit cards : facts and theories (2006)
- We use data from several waves of the Survey of Consumer Finances to document credit and debit card ownership and use across US demographic groups. We then present recent theoretical and empirical contributions to the study of credit and debit card behavior. Utilization rates of credit lines and portfolios of card holders present several puzzles. Credit line increases initiated by banks lead households to restore previous utilization rates. High-interest credit card debt co-exists with substantial holdings of low-interest liquid assets and with accumulation of retirement assets. Although available evidence disputes ignorance of credit card terms by card holders, redit card rates do not respond to competition. There is a rising trend in bankruptcy and delinquency, partly attributable to an increased tendency of households to declare bankruptcy associated with reduced social stigma, ease of procedures, and financial incentives. Co-existence of credit card debt with retirement assets can be explained through self-control hyperbolic discounting. Strategic default motives contribute partly to observed co-existence of credit card debt with low-interest liquid assets. A framework of "accountant-shopper" households, in which a rational accountant tries to control an impulsive shopper, seems consistent with both types of co-existence and with observed utilization of credit lines. JEL Classification: G11, E21
- Baby Boomer retirement security : the roles of planning, financial literacy and housing wealth (2006)
- We compare wealth holdings across two cohorts of the Health and Retirement Study: the early Baby Boomers in 2004, and individuals in the same age group in 1992. Levels and patterns of total net worth have changed relatively little over time, though Boomers rely more on housing equity than their predecessors. Most important, planners in both cohorts arrive close to retirement with much higher wealth levels and display higher financial literacy than non-planners. Instrumental variables estimates show that planning behavior can explain the differences in savings and why some people arrive close to retirement with very little or no wealth. Klassifizierung: D91, E21
- Portfolio optimization when risk factors are conditionally varying and heavy tailed (2006)
- Assumptions about the dynamic and distributional behavior of risk factors are crucial for the construction of optimal portfolios and for risk assessment. Although asset returns are generally characterized by conditionally varying volatilities and fat tails, the normal distribution with constant variance continues to be the standard framework in portfolio management. Here we propose a practical approach to portfolio selection. It takes both the conditionally varying volatility and the fat-tailedness of risk factors explicitly into account, while retaining analytical tractability and ease of implementation. An application to a portfolio of nine German DAX stocks illustrates that the model is strongly favored by the data and that it is practically implementable. Klassifizierung: C13, C32, G11, G14, G18
- Taxing capital? : not a bad idea after all! (2006)
- In this paper we quantitatively characterize the optimal capital and labor income tax in an overlapping generations model with idiosyncratic, uninsurable income shocks, where households also differ permanently with respect to their ability to generate income. The welfare criterion we employ is ex-ante (before ability is realized) expected (with respect to uninsurable productivity shocks) utility of a newborn in a stationary equilibrium. Embedded in this welfare criterion is a concern of the policy maker for insurance against idiosyncratic shocks and redistribution among agents of different abilities. Such insurance and redistribution can be achieved by progressive labor income taxes or taxation of capital income, or both. The policy maker has then to trade off these concerns against the standard distortions these taxes generate for the labor supply and capital accumulation decision. We find that the optimal capital income tax rate is not only positive, but is significantly positive. The optimal (marginal and average) tax rate on capital is 36%, in conjunction with a progressive labor income tax code that is, to a first approximation, a flat tax of 23% with a deduction that corresponds to about $6,000 (relative to an average income of households in the model of $35,000). We argue that the high optimal capital income tax is mainly driven by the life cycle structure of the model whereas the optimal progressivity of the labor income tax is due to the insurance and redistribution role of the income tax system. Klassifizierung: E62, H21, H24
- On the consequences of demographic change for rates of returns to capital and the distribution of wealth and welfare (2006)
- This paper employs a multi-country large scale Overlapping Generations model with uninsurable labor productivity and mortality risk to quantify the impact of the demographic transition towards an older population in industrialized countries on world-wide rates of return, international capital flows and the distribution of wealth and welfare in the OECD. We find that for the U.S. as an open economy, rates of return are predicted to decline by 86 basis points between 2005 and 2080 and wages increase by about 4.1%. If the U.S. were a closed economy, rates of return would decline and wages increase by less. This is due to the fact that other regions in the OECD will age even more rapidly; therefore the U.S. is "importing" the more severe demographic transition from the rest of the OECD in the form of larger factor price changes. In terms of welfare, our model suggests that young agents with little assets and currently low labor productivity gain, up to 1% in consumption, from higher wages associated with population aging. Older, asset-rich households tend to lose, because of the predicted decline in real returns to capital. Klassifizierung: E17, E25, D33, C68
- The Real Effects of Reserve Requirements (1998)
- We review arguments for and against reserve requirements and conclude that the main question is whether a distinction between money creation and intermediation can be made. We argue that such a distinction can be made in a money-in-advance economy and show that if the money-in-advance constraint is universally binding then reserve requirements on checkable accounts have no effect on intermediation. We then proceed to show that in a model in which trade is uncertain and sequential, a fractional reserve banking system gives rise to endogenous monetary shocks. These endogenous monetary shocks lead to fluctuations in capacity utilisation and waste. When the money-in-advance constraint is universally binding, a 100% reserve requirement on checkable accounts can eliminate this waste. Klassifizierung: E41, E51, E58


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(702) 946-1990
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HeartsOnFire - 12/9/2013
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HeartsOnFire - 12/5/2013
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Congratulations to Shawna O. from California, Nicole H. from Ontario, and Alex G. from California who each won a Lorelei Bow Bracelet in Week 1 of our Holiday Contest! Want your chance to win? There are still two weeks left! THREE winners will be chosen each week from now until 12/13! Visit heartsonfire.com for details on how to enter: http://www.heartsonfire.com/contests/pinterest-wish-list.aspx #myHOFwishlist This week's prize: http://bit.ly/14RML3Y
HeartsOnFire - 12/3/2013
Hearts On Fire - in store boutique at Meyers Jewelers in Grove City, Ohio.
HeartsOnFire - 11/25/2013
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HeartsOnFire - 11/12/2013
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HeartsOnFire - 12/5/2013
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text:
Washington, DC Thursday, August 2, 2012
The House Natural Resources Committee questions the Acting Interior Department Inspector General Mary Kendall over her involvement in the administration's temporary freeze on deepwater drilling after the BP oil spill. A 2010 Interior Department report claimed that outside engineers backed the freeze, even though they hadn't. Interior Sec. Salazar later apologized for the mistake. Committee Republicans on Thursday questioned IG Kendall's ability to conduct an independent investigation into the matter.
Acting Inspector Gen. Kendall is accused of a conflict of interest relating to the deep water drilling moratorium. She has denied wrongdoing, stating she did not actively participate in the writing of the report.
Updated: Thursday, August 2, 2012 at 2:40pm (ET)
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8 hrs ago | Merinews
The pseudo Muslims, ignorant of the real spirit of Islam, recently exhumed and humiliated the mortal remains of one Bhuro Bhil, a Dravidian Hindu, in district Badin of Sindh province.
Should public schools teach Evolution or Creationism?
Are you smart enough to be a US Marine?
NA passes anti-drone resolution urged US to halt drone attacks
For news details visit : http://www.nation.com.pk/islamabad/10-Dec-2013/na-passes-anti-drone-resolution-urged-us-to-halt-drone-attacks For news details Read on : NA passes anti-drone resolution urged US to halt drone attacks The lower House of the Parliament on Tuesday unanimously passed a resolution demanding an immediate halt to drone attacks on ... (more)
Teams being formed to monitor youth loans scheme: Marvi Memon
HYDERABAD: Monitoring teams are being formed to facilitate common man applying for loan and also monitor the process of loans to make it more transparent and successful to reduce the unemployment and to improve economic conditions in the country.
Campus roundup: Tie India launches TiE Entrepreneurial Summit
TiE has announced that TES 2013 , the annual conference of the entrepreneurial ecosystem, will be held from December 18-20 at HICC Hyderabad.
Doctor brother of Glasgow Airport bomb attacker suspected of terrorist recruitment
SABEEL Ahmed, whose brother Kafeel drove the burning jeep into the Glasgow Airport terminal building, has been accused by detectives in India of recruiting young people to a terrorist group.
Jammu and Kashmir is a lightning rod in Indian politics. The very mention of the state invites hypocrisy.
History work of Dr Mubarak Ali lauded
The work of the veteran historian Dr Mubarak Ali remembered and treasured by eminent speakers at an appreciation ceremony of the book "Challenges of History Writing in South Asia: Special Volume in honour of Dr Mubarak Ali" done on the occasion of the 6th International Urdu Conference organised by Arts Council of Pakistan, on Sunday afternoon.
Bonded for $37 till the landlord wants
By Amar Guriro KARACHI: To suppress the voices against different forms of modern slavery, including bonded labour of the agricultural workers, "unidentified" hands kidnapped an activist, kept hostage for three days and freed with a message; stop all type of activities against bonded labour.
What links Bangalore arrest to Glasgow attacks
The arrest of alleged Lashkar-e-Tayiba sympathiser Dr Imran Ahmed alias Immu Bhai on Friday has breathed new life into the investigation into the plot to assassinate Hindu leaders in Bangalore.
Sardar Patel hated Hyderabadi culture: A.G. Noorani - Indiatalkies.com
Film by 9-year-olds Bags International Award: India's Young Talent
On their venture to portray their school's heritage, "Our first reaction was of disbelief.
Dengue still relentless : 14 more cases surface in city
KARACHI: Fourteen more dengue viral fever cases were reported in Karachi on Wednesday, said Dr M Shakeel Aamir Mullick, Focal Person for Dengue Surveillance Cell Sindh.
Red Bus Buzz: Andhra Offers Online Services to NRIs
Hats off to the Andhra Pradesh government for launching the greatest relief, whilst it's dealing with the historic "Telengana Issue"! According to the project, It may be a migration or work visa, by gone are the times to await the long queue at State Secretariat department.
Indira favoured granting Telangana in 1969, book says
HYDERABAD: Contrary to the repeated assertion of chief minister Kiran Kumar Reddy that then Prime Minister Indira Gandhi was for united Andhra Pradesh , a new book on Telangana says Indira had favoured granting Telangana during the first phase of the statehood movement in 1969.
Security forces should be scrupulously bipartisan in probing terror cases: PM
Touching upon the issue of communal riots in the country, the Prime Minister said that during the current year some states witnessed a substantial increase in the number of communal incidents.Pti photo so that people do not lose faith in the professionalism of investigative agencies and the secular nature of country's polity.
Long Marchers for Baloch Missing Persons reaching Karachi
Hyderabad: November 21, 2013. The Long Marchers have completed 700 km and entered Karachi after travelling 27 days on foot.


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HOUSTON | Michael Jordan turned 50 on Sunday, giving this year's All-Stars a chance to reflect on his illustrious career and how much he still means to the sport.
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Burger King is offering its popular Original Chicken Sandwich for a discounted price of $1.04.
The sandwich, normally priced at $4.49, will be on sale from June 29 through July 1.
The popular sandwich consists of a lightly breaded white chicken breast fillet topped with shredded lettuce and mayonnaise on a toasted sesame seed bun. Patrons can add cheese for an additional .50 cents or turn the Chicken Sandwich into a Club Chicken Sandwich for $1.00 more.
This promotion is available nationwide, although prices and participation may vary.
–By Sepideh Nia, Staff Writer/The Orange County Register
More food news: Follow Nancy Luna on Facebook I Fast Food Maven blog I Twitter
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text:
See details below, a special note about the city of good neighbors - the women leading the search Ann Baumler Christopher, does not know the Julicher family, she spotted the dog, and got involved, she is now spear heading the search team and has offered up her own reward money. This search is being tracked on Facebook and CraigsList.
This is a very sad story about a missing Great Dane "Gilly"
She is large, All Black, Female, 4 years old, and now very thin. Today is day 18 that she is missing.
She was being watched while her owners were on vacation, she got out of the grandparents gate in Williamsville, NY. On July 1st.
She has been spotted many places but is running scared and very frightened.
I had her in my backyard on the 2nd and that is when I and many saw her cross Greiner Rd.
Animal lovers came out in numbers for days but as time is goes by( 15 days) and Gilly is covering such a wide area, It's been tough to get a search group big enough. We need eyes everywhere.
We need the help of viewers!
The owners and many total strangers have been looking for her. She is kind and gentle but is so afraid that she is just running.
The areas she has been confirmed as being spotted in are;
Williamsville (Sheridan, Hopkins), Clarence (Brookfield C.C., Harris Hill, Greiner, Strikler Rd), Akron (Buckwheat Rd.) Last sighting was Friday the 13th. The caller described her as injured and limping.
Anyone spotting her is asked to call the State Police or the owners; Brad and Lauren Julicher.
716-807-5829 or 5827 or the Erie County SPCA.
Brad and Lauren have 2 young children and they live in Boston Hills NY. They make the trip out this way every day to call her, leave article of clothing, food, water and also bring their other Great Dane "Charlie" to help.
Please contact the family for better in depth information. I do not personally know them. I'm just trying to help them anyway I can!!!!
I am posting the Reward for Gilly. I know $500 isn't much but it's something!
I will not quit until the Julichers get their Gilly home!
Ann 716-573-4048


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Jennifer Esposito December 6, 2013 at 04:15 pm
Space permitted, families my attend one or two out of the three week session. Please contact Jenni…Read More for details 908-552-9338 or email email@example.com
Hillsborough JR Raiders Sports, Inc. December 4, 2013 at 09:18 am
Support your Hillsborough youth football team! Go Jr Raiders!!
Marion Nation October 29, 2013 at 08:39 am
The Neshanic Garden Club's Greens Workshop is filling up very quickly! The Pomegranate Centerpiece…Read More and Boxwood Tree openings are full. We still have room for the Door Wreath, Long & Low Centerpiece and White Pillar Centerpiece.


text:
1929 Rolls-Royce 20HP Weyman Saloon, Post-Great War British Society was remarkably different from the one that had entered WWI. Specifically, gone was Edwardian Britain's... More
1971 Rolls-Royce Silver Shadow I FACTORY STRETCH LIMO, Front and rear bumpers rechromed plated, mint condition. 5000$ brake job just completed. Chevrolet v8 engine. Needs restoration. 25000$ Obo -... More
1925 Rolls Royce Silver Ghost 40/50 Chassis with partial body. Chassis #48EU Engine# T 129 This vehicle has been in a family collection for approx... More
1973 Rolls-Royce Corniche Convertible '73 Rolls-Royce Corniche Convertible, left hand drive, power windows, power top, power steering and automatic transmission, desirable steel bumper car, excellent... More
1939 Rolls Royce Hooper limosine WMB30, originally registered by a prominent British woman. The original car was complete. The car is currently under complete restoration... More
PROJECT CARS: ----------------------- Fully Equipped, AM/FM Radio Cassette Player, Power Windows, Power Doors, Power Steering, Air Conditioning, Cruise Control, Tinted Windows, Leather Interior, Tilt Steering, Cellular Phone, Electric Seats, Clock, Interior Trunk Release, Interior... More
PROJECT CARS: ------------------------ 1935 Rolls Royce 20/25 Four Light Saloon Body by Barker Blue, 4 door, V6, Manual 4 speed For more details on this car please call Mr. Howard at 1-888-728-5777... More


text:
Hang tight!
Recipe by Christine
"My brother used to make this every year."
Watch video tips and tricks
2 1/2 cups white sugar
1/2 cup light corn syrup
1/4 teaspoon salt
1/2 cup water
2 egg whites
1 teaspoon vanilla extract
MY husband and I made this recipe with the help of a heavy duty Kitchenaid mixer. It is smooth and creamy and has a very good flavor. We will definately make it again.
I've tried this recipe twice and it does not set up for me. Mine was a gooey, sticky mess. I've always seen divinity recipes that went to about 248 degrees for half the syrup, then about 272 for the other half.
47 Ratings
This is the same recipe that my mom used for over 30 years and now I have used it for almost 10 years. It has been fail-proof for me. I live in the south with more humidity and I have to beat it at least 10 - 15 minutes. The trick is to keep beeting it until it works right. You should also use a stand mixer.
I've been making divinity since I was nine years old. I'm now 65 and never had a failure with any recipe. This recipe is fine as written. Just don't ever make divinity on a rainy or humid day. It won't set up or at the least it will be difficult to get it to set up. As others have said apply ingredients in slow stream.
I have been making bill's divinity now for three years, it's never been a problem, in fact it's very easy (with a candy thermometer) everyone loves it!
Really great recipe! Never made divinity myself, but loved it for years. Very easy - those who posted they ended up with a gooey mess probably didn't beat it long enough. I made one batch as advised and another substituting the vanilla for peppermint extract & added just a few drops of red food coloring for a holiday twist. Cinnamon flavoring also good! Excellent - thank you for sharing Christine!
Cool, I watched my stepdad mess up on divinity a few times and here I did it right on my first try. Yay, it works!
I really enjoyed making this Divinity.. was very good and easy to make...
* Percent Daily Values are based on a 2,000 calorie diet.
Bill's Divinity
Serving Size: 1/4 of a recipe Servings Per Recipe: 4 Amount Per Serving ** Calories: 611 ** Calories from Fat: < 1
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text: I can't think of a way to solve this and keep urls such as http://musicbrainz.org/tag/rock/artist. Perhaps we should be blocking tags with '/' in them. URI escape "rock/artist" into "rock%2Fartist" (don't worry about 'breaking" "tag/rock/artist", because it was never right in the first place). URI escape doesn't seem to help. http://beta.musicbrainz.org/tag/hip-hop%2Frap just loads the tags for "hip-hop". URI-escaping doesn't help, at present, because Catalyst's argument capturing doesn't know the difference between / and %2F, as far as I know. Certainly at present it doesn't work, there may be an incantation that does make it differentiate. Agreed to fix within 12 months by http://scheduling.ocharles.org.uk/results and http://chatlogs.musicbrainz.org/musicbrainz-devel/2012/2012-06/2012-06-11.html I think the fix for this is to disallow / in tags (and editor names), and probably bulk-convert them to something else. We could be Mac-like and make ':' display as a /, and thereby disallow colons instead, if we really want to keep slashes. I vote for keeping the slashes. There are several reasons to allow '/' as a valid character - for example many people that use it for genres/styles in a variety of cases. If I try and access a tag from my profile page with a slash I simply get my profile page. The only way i've found around this is to manually double-escape the '/' by using %252F instead of %2F. Perhaps just make that change to the links in MBz then you don't have to mess with URIs? Is this a new bug (regression) ? After a bit of local testing I can confirm that replacing '/' by '%252F' does work, though no number of 'url_escape' in templates seems to do the same. Also works for editors. Most of this is pretty easy to fix – wrapping replace(<whatever>, '/', '%252F') in templates, or <whatever> ~= s/\//%252F/rg in perl. There's some lurking issue about how catalyst urlencodes and urldecodes things as it forwards and redirects that means logins sometimes don't work or redirect to the wrong place; I may put up a codereview only for the first and open a new bug for the second. This is in review at http://codereview.musicbrainz.org/r/2062/ and available for testing on http://test.musicbrainz.org/ |


text: Advertise in million Sail-World Olympic newletters By Tetra-Media, 4:54 PM Thu 10 Jul 2008 The Olympic Sailing regatta in Qingdao China is just a month away. The Sail-World.com website will be providing more intensive coverage than ever before with a million dedicated online newsletters going to its audience world-wide. A great advertising opportunity. ...[more] Add Magnetic Island to Northern series in 2008 By Sunferries Magnetic Island Race Week, 3:28 PM Tue 8 Jul 2008 If you are racing/cruising at Meridien Marinas Airlie Beach Race Week or Audi Race Week at Hamilton Island next month, then you need to think seriously about adding Magnetic Island Race Week to your winter expedition. ...[more] Discover more about Magnetic Island Race Week By Sunferries Magnetic Island Race Week, 3:32 PM Tue 27 May 2008 The second annual Sunferrries Magnetic Island Race Week at beautiful Magnetic Island off Townsville in tropical North Queensland will be sailed from Friday 5th to Tuesday 9th September 2008, under the auspices of the Townsville Cruising Yacht Club. ...[more] Get your News to a bigger audience By Rob Kothe, 2:55 PM Tue 20 May 2008 Our Sail-World Australian audience alone runs to 80,000 readers and Sail-World stories, via our customisable news tickers, appear on more than 220 Boating Club, Association, Industry and regional news sites and that number is growing rapidly. ...[more] Setting your Marine Advertising Budget? By Rob Kothe, Publisher TetraMedia Marine Group, 12:23 PM Thu 8 May 2008 Once upon a time, when setting a marine budget, the question was how much to spend in which magazines? Now the number one question must be - what percentage should we be spending online? ...[more] Aiming for 50 knots - Super-cavitation or Wot? By The Sail-World Team, 12:55 PM Wed 7 May 2008 On Thursday Australian sailors Sean Langman and Martin Thompson will be upside down in the Qantas Pool with Wot Rocket, the Graeme Wood sponsored boat, well really half sailboat and half sail-plane that is aiming to break the 50 knot barrier. ...[more] North eNews brings you sailing and North Sails new By Julian Plante & Susan Veal, Sydney , 11:19 AM Thu 1 May 2008 It has been another bumper summer season for sailors. As always North Sails was in the thick of the action, with our sails and sailors featuring prominently in the results. As winter closes in, our team are busy helping clients to prepare for the new season and looking forward to the racing ahead. ...[more] Another big sailing weekend By Bob Maxwell, 4:09 PM Mon 28 Apr 2008 . ...[more] Marine Business News Letter - 28th April 2008 By Jeni Bone, 3:17 PM Mon 28 Apr 2008 Welcome to the first issue of Marine Business News, the definitive, interactive news service for Australia, New Zealand and Asia. I am pleased and proud to be launch editor of what will be a timely and valuable resource to thousands of people involved in the many levels of the industry, from manufacturing to marketing across the Asia Pacific. ...[more] Whoooo….Go Big Fella and Dog!!! By Rob Kothe Sail-World & TetraMedia, 4:22 PM Mon 14 Apr 2008 . ...[more] Sailing In Melbourne By Rob Kothe & the Sail-World Team, 12:09 PM Wed 23 Jan 2008 . ...[more] Gold Gold Gold for Australian Sailing By Rob Kothe & the Sail-World Team, 2:02 PM Fri 11 Jan 2008 . ...[more] New Years Eve - end of the 63rd Sydney- Hobart By Rob Kothe & the Sail-World Team, 2:53 PM Mon 31 Dec 2007 . ...[more] And now to the Handicap race... By Rob Kothe & the Sail-World team, 11:21 AM Fri 28 Dec 2007 . ...[more] Rolex Sydney to Hobart - the most reported race? By Rob Kothe & the Sail-World Team, 10:33 PM Thu 20 Dec 2007 The Rolex Sydney to Hobart race is followed around the world and its media coverage is much more intense than with other blue water passage race classics like the Fastnet Race and the Bermuda Race. ...[more] Editorial: America's Cup & Multihulls By Richard Gladwell & Rob Kothe, 12:01 PM Tue 11 Dec 2007 Welcome to the Tuesday edition of Sail-World.Com's newsletter. ...[more] Editorial: Thanks Mate!!! By firstname.lastname@example.com, 4:44 PM Wed 28 Nov 2007 The topsy-turvy world of the America's Cup did flying forward flip, this morning, landed firmly on its feet, and was greeted with a loud cheer from sailing fans around the world. ...[more] Sail-World 07-08 –looking ahead to Olympic year By Rob Kothe & the Sail-World Team, 2:16 PM Tue 25 Sep 2007 Yesterday a major power outage took down more than 4,000 websites for much of the day. Our Sail-World and Powerboat-World sites were amongst them. However during the down time we took the opportunity to speed up our news and image databases, with new database software. Beyond that we have a major Internet server upgrade in train that will boost our load speed by a factor of six in the next month. ...[more] We've been having a Whale of a time!! By Rob Kothe & the Sail-World Team, 1:55 PM Mon 27 Aug 2007 . ...[more] Wednesday's News By Rob Kothe & the Sail-World Team, 9:42 AM Wed 22 Aug 2007 .. ...[more]


text: DRINK A BOTTLE, SAVE A LIFEA humanitarian crisis of epic proportions is unfolding in Ethiopia, where every day millions struggle for their very lives due to drought and contaminated water. But you can help. Montesquieu Winery has partnered with CNN Hero Doc Hendley of Wine to Water and some of the top winemakers on earth to make wines that make a difference. Our limited-run of Napa Valley magnums made by Bob Levy and Martha McClellan sold out in three days, raising over $122,000 to bring over 10,000 people clean water in the Dale, Ethiopia - eradicating thirst from that entire region! But there's so much more to be done. Millions are still in need, so we're partnering with the world's most famous winemaker, Michel Rolland, on a special project - a wine from the land of Africa, for the people of Africa. $20 per bottle will go directly to Wine to Water to dig wells in Southern Ethiopia where community after community lacks access to clean water, causing waterborne, life-threatening diseases to run rampant. Each bottle purchased will give clean water to a family in Ethiopia, changing the course of their lives forever. So help us bring good news to Africa by turning wine into water! |


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Interesting idea for those who prefer their beer shaken and not cold.
Konadog cycles in Canada and the snow, so only need to address the shaken aspect.
Front shocks should deal with the shaken bit...
31c today - bit of a heat-wave by our standards, so a freezer pack would help with the cold - even here!
6 cans of beer = 9 standard drinks = cycling under the influence.
Remember if you have a driver's licence this can equate to demerit points.
I figure it's more for transport from the bottlo to home than drinking on the fly. Would be if that rack were on my bike at any rate. Drinking and cycling don't mix fer me - even one beer and I'm in full chill and relax mode.
I do have an Adelaidian friend who got busted for drinking and riding. And she had taken her bike to avoid driving...
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Have to Dito every thing that Garry has said. I was one of the eight English,travelling solo for the first time ever ,and had the best holiday in a long time.mainly due to all the nice staff and new friends Well done Guys!
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Black Velvet Distillery, Travelling in Alberta, Glen Keith Distillery and Masters of Photography
Whisky Magazine Issue 24 The world of whisky - Max Shapira - Glenfarclas - New world whisky tasting.
Published July 2002.
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April 12, 2008 - Is released from a hospital, after a two day stay where he has a pace-maker installed.
June 10, 2008 - Announces the creation of a nonprofit organization, the Chirac Foundation, to promote sustainable development and dialogue among cultures.
October 30, 2009 - A French judge indicts Chirac on charges of embezzlement while he was mayor of Paris and orders the former president to stand trial.
November 5, 2009 - The first volume of Chirac's memoirs, "Memoires: Chaque Pas Doit Etre un But" (Each Step Should be a Goal), is published.
September 21, 2010 - It is announced that Chirac will stand trial for embezzlement in March 2011. The trial relates to allegations of embezzlement between 1992 and 1995 during his tenure as mayor of Paris.
November 8, 2010 - It is announced that Chirac will stand trial for a second corruption case. The trial relates to allegations dating back to between 1990 and 1994.
September 5, 2011 - Chirac's corruption trial begins. Chirac is excused from attending the trial, after medical records are submitted showing that he suffers from severe memory loss.
December 15, 2011 - Is found guilty on corruption charges and receives a two-year suspended sentence. The conviction is for breach of trust, misappropriation of public funds and illegal use of influence from 1990 through 1995.
November 13, 2012 - His autobiography, "My Life in Politics," is released.


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You're watching...
Investing Around the Cliff
Ed Butowsky, Chapwood Investments managing partner, weighs in on the fiscal cliff deadline, and how investors can make smart choices in today's econ...
Dec 31, 2012
You're watching...
Ed Butowsky, Chapwood Investments managing partner, weighs in on the fiscal cliff deadline, and how investors can make smart choices in today's econ...
Dec 31, 2012
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Virtually every American and major spending cuts for more on that potential impact at McCaskey managing partner of chop -- investment.
Ed even if we did congress at the lawmakers can't get a deal done now we don't expect that.
That will be -- last -- result of these the bush tax cuts expiring.
Metal last in and around confidence has been hurt.
Businesses have pulled back is the economy going to be a great deal weaker in the new year than most -- -- back.
Yeah I mean I will tell you there's absolutely no way.
That anybody with a straight face and anybody in my business can look their clients in the -- and say.
Things are gonna be better in 2013.
-- there's nothing on the horizon to give you that you know conclusion.
Mean you're going to see higher taxes you see nothing really stimulating the economy at this point this printing of money is not doing thing.
And as a result of that we probably -- going to see a very weak economy may -- a Stuart -- said a little while ago maybe one and a half 2% growth.
For not only -- activity even -- to 2014.
That though if we -- going to change our -- let's do it.
-- and -- big pie in the sky discussion.
We're gonna change our ways and spend less as a nation.
In the short run that will -- -- -- not.
Yes -- over completely mean look we are so -- we're in such bad shape that we have to do something monumental.
To get this country back on the right track.
I mean and I don't you know you certainly not gonna tax your way out of -- you have to find a way to stimulate the economy.
And adding regulation adding taxes is the complete antithesis of what you need to do at this moment.
Mean we all know.
And we talk about all the time the way to stimulate the economy.
Is to find a way to get a better atmosphere in here and and and create business a business environment where people -- -- take some -- people want to hire people and we don't have that you do that by cutting taxes you do that by.
You don't really changing the entire climate in the -- that happens we're not gonna start you know really -- recovery time would.
What do you put your money -- -- -- because if you look at the last year you've had had more than 13% gain on the NASDAQ as the best performing of the three major market gauges.
You've had right outperformance.
Over treasuries in virtually every category -- -- with.
Fixed it with junk bonds are high yield bonds looking like -- in bubble territory in terms of their performance and their valuation.
People are desperate for yield you see that that that's one of the reasons for that jumped out of performance but where do you put your money -- because it's a whole host of asset classes that looked kind of dangerous.
-- there there are a lot of -- classes look dangerous no more no asset class looks more dangerous than long term treasuries because.
There's really very little upside to a treasury bond right now but a lot of downside but interestingly enough.
Stock the stock market is about 20% undervalued based on where it should be.
Based on expected earnings as you know stock prices rise in anticipation of earnings and -- about feel -- around 15% undervalued.
Based on those expected earnings and with interest rates were the rat stock should actually be over -- People don't realize that that the stock market is probably one of the cheapest valuations have been in years.
The reason people aren't investing in it right now on the resort I think a huge move in that market is because of the lack of clarity of future growth and future earnings.
And and -- -- even submit you know one other point that.
Most of our companies derive a lot of their growth from outside of our borders so as long as we have a lot of questions about what's happening in Europe.
And over and Asia you're just gonna start to see this kinda -- just pause and we're gonna wait and see for quite some time until we get some more clarity but stocks -- the cheapest place to be right now.
Ed great -- see it happening there they well thanks to get up -- at the county there we.
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AuthorsDen.com Join (free) | Login
Signed Bookstore | Authors | eBooks | Books | Stories | Articles | Poetry | Blogs | News | Events | Reviews | Videos | Success | Gold Members | Testimonials
Sitemap My Blog Contact Author Read Reviews Books· Starfish· View of the Tracks - Hobo Poetry· What Will It Take For A Toad To Kiss A MonkeyShort Stories· haiku - What is it?· A Review of Natalie Merchant's Leave Your SleepPoetry· Dream Giver· Ship Wrecked· Bicycle Made For Two· We Still Hold Hands· Passing By· Moving On· An Open Window· Forget It - Keep Trying· A Comets Tail· Abbey Road More poetry...
The Dog Still Has His Bark
By: Douglas Wayne Bentley
A Tribute to Ray and Dave Davies
Founding Members of the Kinks
Originally posted on Sunday, October 8, 2006
Reposted Tuesday, June 30, 2009
I was surfing late night
I could not believe who I came across
There was Ray Davies performing on PBS
Saturday night, October 7, 2006
On Austin City Limits
I was amazed
First of all that he was on TV
Second of all that he was promoting his first solo CD
(I wanted to say album)
Yes, after 42 years of recording
There he was. . . . .
Many bands have come and gone
Played many a song
Few got along
Brothers Remarkable
That voice
(Who didn't want to sing)
That guitar riff
That lyric
So distinguishable
Instantly recognizable
Drummers and basses come and go
Many different faces
Change places
Even wilder stories of how these brothers got along
There he was. . . . . . . .
I remember their first hit
I remember their last
Forty two years had past
My how time goes by
He played '20th Century Man'
I sensed he was still afraid to die
I wondered if his brother was about to. . . . .cry
I realized, most in the audience weren't even born yet
When they came on the London music scene
They wanted to be different.
And I can truly say
They were
Something Else
To take me back in time
Oh, those were the Kinks!
And there he was. . . . . . .
With new songs
(Go out and buy 'Other People's Lives' )
(I would also recommend 'The Storyteller')
Yes, he played some old ones too
Gave away a secret or two
He had to have given hope in every unknown band out there
When he told the first recording company rejected their first hit.
Said they sounded like a barking dog
Said that's exactly what they were attempting to do
Then that's what he did
He barked out "All Day and All the Night"
To my delight.
Reader Reviews for "The Dog Still Has His Bark"
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Brandon Heath – Love Never Fails
I gave the song a listen and have to admit that it is a nice song. Okay, finally an oldie and classic song. This song will never leave the airwaves so bookmark this single. Never forget..Click on the 'play'-button and enjoy! I give it . |
Listen and/or watch the music video using the RED 'play', 'watch'-button or play/watch-links.
Listen To #1 Listen To #2 |
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Watch+playlist (should work always) Watch Video
More From: Brandon HeathBrandon Heath - Give Me Your Eyes |
Latest Brandon Heath News
Brandon Heath just released his sophomore project "What If We" and celebrated street week with radio shows and concert appearances at KLTY/Dallas, KPEZ/Austin, KSBJ/Houston, WAY-FM/West Palm Beach, JOY-FM/Tampa and WAWZ/New York City. He wrapped up the week in Nashville with(...) Brandon Heath: What If We


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For many more pictures of this 2007 Shelby GT 350 Hertz Convertible, please go to forristalls.com. One of the most important details to understand about... More
1966 GT 350 Hertz This is a rare red GT 350H in which the Hertz Corporation only ordered 60 cars way back in 1966. It's had... More
For many more pictures of this 1966 Shelby Hertz Rent a Racer, please go to www.forristalls.com. In 1965 Mick Jagger and the Rolling Stones could... More
For many more pictures of this 1969 Shelby GT 350 Hertz Rent-A-Racer, please go to www.forristalls.com. The 1969/70 Shelby's were more dramatically different compared... More
SHELBY: 1966 GT350H, rare, white/gold, 4-speed, early car, overrides, 3:89 Detroit, AZ car, no rust ever, all #s matching, restored to concours specs, one... More


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In the video, Bloomberg is seen surrounded by security. Mattera approaches Bloomberg and asks, In the spirit of gun control, will you disarm your entire security team?
Bloombergs reply: Uh, you, well get right back to you.
Why can you defend yourself but not the majority of Americans? Mattera asks as the mayor walks away. Look at the team of security youve got. And youre an advocate for gun control?
The video then cuts to Mattera walking further down the street when one of the men guarding Bloomberg, identified as Officer Stockton NYPD, stops Mattera and asks to see his photo ID.
Mattera complies before asking, Is this standard procedure for the press? Wait, wait, wait, its standard procedure to be questioning members of the press?
The officer reaches inside his jacket and grabs a pen, as if to write down the journalists name. Youre going to write it down now? asks Mattera. Oh, no, sorry, says Officer Stockton.
The video then cuts to a scene further down the street where Officer Stockton, trailing Mattera once again, can be heard saying, Mr. Mattera, sir? Do you have a date of birth?
Its none of your business what my date of birth is, Mattera replies.


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You're watching...
Investing in Oil in 2013?
Sterne Agee Managing Director Stephen Gengaro discusses the oil winners and losers of for this year.
Jan 10, 2013
You're watching...
Sterne Agee Managing Director Stephen Gengaro discusses the oil winners and losers of for this year.
Jan 10, 2013
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Guess what oil rising to its highest level in three months as exports from China or accelerate and reports of Saudi Arabia cut crude production.
Now we've got an analyst with the best ways to play higher oil prices this year.
Joining us now is -- engine -- out of Sterne -- managing director there welcome to -- Steven.
They carrier I'm doing great I I know anyone is here went on oil services sector right which is had a pretty good run over the last.
Six months bouts what is it -- 1617%.
Growth trajectory.
What is it go from here and what are the drivers.
So there's really three key drivers when we look at -- services one is.
The international markets which is really where you have a lot of crude oil plays -- -- from the Middle East go to Latin America.
Second we have the deep water markets which has a tremendous long term growth trajectory of geology is very good.
And the opportunities for increasing production for the -- companies is outstanding.
Five north American land side which has been weak for the last six months the gas side of things have been very week.
The oil rig count has actually come down recently we've got business is probably.
Bottoming out but not a lot of growth near term.
-- -- -- -- in this sector so the first thing I tied -- expect that there are something I don't know about the believe not a blip.
That tanker grounded off the waters in Alaska obviously brings back memories of BP this was a disaster avoided obviously there was no oil spill but what I'm getting at Steven is how vulnerable are these stocks to these massive disasters.
Well a couple of years ago we saw a little oil spill in the Gulf of Mexico right Condo and the players who were involved obviously BP and and Transocean.
And others the stocks were very affected by that.
I think they've taken greater precautions now than they have.
There's always risk of disaster to those risk of disaster for everything right -- The companies -- well we sure don't if you look at -- also requires.
Look at Halliburton for example which was involved in discussions -- but they have a strong -- -- they're very well short and and ultimately not really that effective from a financial perspective Wall Street obviously penalize them for awhile but not a -- from a financial perspective.
I want us how do you want me what are your specific picks in the sector -- oil services sector who do you like -- one.
So there's we have two or three favorites -- the first I'll talk about -- -- technologies in camera of a play on the deep water markets.
And the equipment that goes into producing oil and gas out of the deep water market content companies have an.
Tough year in 2012.
There are some positives we see both fundamentally with the huge rise in activity in the deep water over the next couple years -- -- also internally there's some things going knowledge are gonna help their margins expand.
In 2013 and probably even more significantly 2014.
You also have Halliburton on your list.
Halliburton is probably one looking at which it hit that -- probably a little more controversial because they do you have a big North American presence yet.
There are some things in in a flattening market in North America would probably modest growth there are some things -- Halliburton which.
We think lead to margin expansion in North America where the peers are probably flatter from a margin perspective.
And that really is some high cost inventory coming out of their system which can -- -- couple hundred basis point to the margin near term.
Again from the -- perspective here.
How closely do you happen to watch the price of oil when determining.
How to invest up by selling your holdings in energy sector stocks -- -- and we we we try to save that.
They're not that linked oral and then when you want to run the regression analyses.
The medium term it really comes -- to what are the oil company standing right word of the opportunities there they were ultimately drives the stock will really be.
Earnings growth which come from stunning levels welcome to -- matter short term credit over a longer term horizon.
The -- already issued a barrel going I think that what 1990 heroes and our right now before I think I.
We're basing.
Our assumptions on WTI crude right if you -- let's have a price thousands Texas intermediate.
In that 85 to 95 dollar -- if you get positive macroeconomic data point to certainly.
Chinese demand is an issue we think you get along -- Up to a certain point right you get this decrease in returns as -- are worried about.
Demand destruction from moral want to -- alive but in 85 to ninety regime and up to about one -- he worked in a very good sweet spot for the group.
Very can reflect something even an event united artists settles the Cuban cigars than a Jerry managing director thank you so much for being isn't here appreciating -- -- thank you.
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Can You Fill 15 Meters?
For Singapore-based illustrator eeshaun it was no problem. Presented with a 15-meter canvas (that's nearly 50 feet), he set about filling it with his take on the "Workspace of the Future," envisioned, of course, with his trademark style and sense of humor. Not wanting to have all of the fun, eeshaun encouraged onlookers to grab a pen to add their own flourish. Check out the time-lapse video to watch the piece take shape over the course of two days.
Live art by eeshaun was just one of several Herman Miller-sponsored events held at Singapore-retailer Xtra as part of Saturday in Design. November 8-10, we'll be attending 100% Design Shanghai; visit our Asia Pacific blog for details as the event approaches.


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Wampler Euphoria Overdrive
$199.97The Wampler Euphoria is a jack-of-all-trades overdrive pedal. With three clipping stages and a pre-clip Bass control, the Wampler Euphoria can give any sort of overdrive needed from creamy and smooth to harsh and jagged and even clean boost. Learn More -
Wampler Faux Tape Echo
$209.97The Wampler Faux Tape Delay is a serious emulation of the classic tape delay tone. The modulation Wampler Faux Tape Delay is not chorus based, it actually speeds up and slows down the modulation just like a real tape echo. Learn More -
Wampler Pinnacle Distortion
$199.97The Wampler Pinnacle Distortion is perfect for getting the classic "brown" sound. An on board boost for gain and highs make the Wampler Pinnacle Distortion a solid go to pedal. Learn More


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Accessibility links
Saturday 21 December 2013
Britons will receive a rare glimpse of Europe's biggest infrastructure project this weekend as Crossrail opens its doors to the public for a one-off viewing. Here's a glimpse of what members of the public can look forward to.
Crossrail opens doors for rare one-off viewing
Crossrail tunnelling images
In Engineering
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Technology News
Continental integrates engine control and energy flow management into one system
The EMS3 incorporates another completely new feature: predictive-based energy management (pEM). This software module is based on information obtained from the eHorizon and processes information on the driving style of whoever is behind the wheel. The eHorizon utilizes topographical data and the GPS signal to furnish a three-dimensional profile of the route to the EMS3. However, it doesn't just use that information to calculate energy requirements. Instead, it identifies the segments along the route where recuperation is possible. It determines with what load and where the combustion engine would work more efficiently alone, or where the electric motor would perform better. Thus, the new engine management platform coordinates power and also directs the flow of energy along the drive train.
The system's open architecture, patterned after Autosar standards, also helps diminish the variety of applications along the engine's periphery. Existing subsystems will be able to continue serving in many cases.
Future of the combustion engine: Potential for Co2 Reduction. For full resolution click here.
Continental believes that the cars of the future will have electric motors, but the classic internal combustion engine will continue to do duty throughout the foreseeable future. Therefore, the challenge to both automotive suppliers and manufacturers will be to come to terms with the great variety of propulsion concepts and to refine them. The initial exuberant expectations of electronic vehicles have given way to a more realistic assessment. Whereas electric vehicles are gaining acceptance very slowly, hybrids are garnering more attention.
The EMS3 engine management system will be a major element in Continental's strategy. It integrates the variable valve control, cylinder shutoff, all the sensors, and the actuators needed to satisfy the Euro 6 norm. It also governs the components in the electrical path of a hybrid vehicle, coordinates electrical devices along the drive train and handles heat management for the battery.
Since storage devices cause the highest costs in a hybrid drive system, the goal is to employ batteries with as little capacity as possible. Continental engineers therefore came up with a new approach: Predictive-based energy management (pEM). The idea behind it is that a small battery that permanently performs at full capacity is just as effective in reducing fuel consumption as a larger one that only recharges during the usual window of opportunity.
Two problems needed solving first. A situation could arise in which the electric motor might be the more efficient alternative but the battery is dead precisely at that moment. Or good opportunities for recharging the battery might go by unused because the combustion engine has already charged it. Continental has circumvented theses problems by forecasting how much energy the vehicle will need to make a trip. It doesn't just calculate the total amount of energy needed but also, the amount needed for each segment. To do so, the comnpany's eHorizon draws upon data from the navigation system such as distance, geography, number and spacing of curves, intersections, and speed limits. It also draws upon information on the driving style of whoever is sitting behind the wheel. The Engine Management System utilizes this information to determine where and to what extent it can recuperate braking energy, during which segment the combustion engine can recharge the battery with the least possible load, where it is possible to drive solely with an electric motor, plus numerous other functions. This function of the engine control unit delivers whatever power a driver might need, but it also manages the entire flow of energy along the drive train, be it from fossil fuel or from electricity.
Although the acronym EMS could stand for Engine Management System, here it could also mean Energy Management System. It is now possible to push the window of opportunity for recharging the battery to its electrochemical limit, thus maximizing utilization. Test drives have indicated that comprehensive management of this kind can reduce the total amount of energy needed by up to 10 percent.
This sophisticated energy-management system results in a smaller battery, which in turn results in manageable system costs. Since the new engine control platform is based on Power SAR, the Powertrain implementation of Autosar standards, existing subsystems can frequently continue in use or, customers can replace them with Autosar-based object code.
Many applications are already scalable, which makes them usable for varying numbers of cylinders, different fuels or different classes of vehicles. To name some examples, the energy and torque management functions or the air-path function can find application in either diesel or gasoline engines, while the SCR (Selective Catalytic Reduction) function can find application in anything from a passenger car to a heavy truck. The EMS 3 platform's system architecture, moreover, reflects the ongoing merger of gasoline and diesel technology. Many functions have been developed for both gasoline and diesel engines. Continental's Powertrain Division announced that it will eventually package the functions and solutions in the EMS3 platform. This approach will help to lastingly diminish the complexity of the entire system.
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- Get your digital copy of EETimes Europe
- Fast automotive-grade power management chips reduce BOM
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- Automotive drives new processor architectures
- Haptic feedback touchpad contributes to driving safety


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Murray Feiss MR1044ORB Oil Rubbed Bronze Boulevard Rounded Mirror
Item #:
15% Holiday Savings Event
Prices already discounted on all Feiss / Monte Carlo Products
Offer Ends 12/13/2013
Technical Specs
Collection | Boulevard |
Height | 33 |
Lighted | No |
Mirror Frame | Framed |
Mirror Front | Bevel |
Mirror Orientation | Portrait |
Mirror Shape | Oval |
Width | 24 |
- Height: 33"
- Width: 24"
- Lighted: No
Additional Murray Feiss Links
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Our SKU: MF MR1044
This product is listed under the following manufacturer number(s):
Oil Rubbed Bronze - MR1044PN
Polished Nickel - MR1044RB*
Renaissance Brass
*Denotes a finish or option that has been discontinued
3 Questions from the Community
we were ready to install mirror in frame, mirror cracked, can i buy just tthe mirrror i need as soon as possible
replacement of mirror for mr1044
Does this mirror have to be put together?
Product Reviews
Traditional / Classic Rounded Mirror from the New London Collection
Just OK
Purchased the mirror with the polished nickel finish. First mirror delivered had a very nice finish. Unfortunately, it was dented during shipping and had to be returned. Replacement mirror has pit marks and a rough finish in some spots. Love the design and look of the mirror but quality is lacking. Probably should have returned the 2nd mirror too, but my husband hung the mirror before I noticed the flaws in the finish.
June 29, 2011
MF Mirror
Love the mirror. Great hanger but doesn't lay flat. When you clean, it rocks on wall. First time it happened, thought I'd broken it. It teeters on the wall hanger in the middle of the mirror I guess. Otherwise, love it!
August 25, 2010
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