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How to Calculate Monthly Lease Payments
Thank you. I have moved it to the Lexus forum. Just out of curiosity though - what is the downside of the high down payment? Is there a difference between high downpayment + low monthly vs low (or 0) down + high monthly? The net amount will be the same right? Or is there something I am missing here?0
The high downpayment only reduces your monthly lease payment. Why do you want them to have your money instead of YOU having your money for that time, with the potential to earn interest off of it?
But here's the big risk: if your car were to be totaled, your insurance would pay off the finance company. They would not, however, return your $7,000 downpayment to you. You would then have no car and no $7,000 for downpayment on a new car. That money is just GONE.
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That makes sense. Thanks. Definitely something I will keep in mind. I did think about the potential interest that could be earned but thought that with the rates so low such savings would be negligible. I thought in the deal above the low monthly was sweet enough to offset the high down.
The totaled factor is something I did not consider. That is a huge amount to lose in the worst case scenario.
One last question on this - the dealers who offer 0 down - how do they charge for the bank fee, acquisition fee, taxes etc. Is it all added to the monthly payments?0
I'll let someone else answer, as I'm not a leasing expert at all. I'm sure we have members around here who... know things.
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One last question on this - the dealers who offer 0 down - how do they charge for the bank fee, acquisition fee, taxes etc. Is it all added to the monthly payments?
You are correct. It is added to the cap cost and included in the payments.0
johngettler Posts: 12Hello all,
1. Unfortunately, there isn't a law requiring auto makers to publicly disclose their lease money factor rates (interest rate) or their residual rates 9calue of car after duration and miles are put on.) This makes it *very* difficult to compare lease incentives across different comparable makes, models and trims. I wish there were a law enacted that would force this information to be as clear as auto loan interest rates are today.
2. Somehow, Car_man who is a "host" on these excellent Edmunds Forums, seems to thankfully have access to nearly unlimited lease money factor and residual info from most makers, and for years has been reporting very accurate information in reply to each individual request. But he is only one man, and it can take some days for him to get back to each person. I have always been super curious, Car_man, where *do* you get this information, and how come we all can't just get to the data directly? I know of course, it's not up to you, but can you give us some insight on how you gather this info? And why edmunds.com can't or won't just publish this extremely valuable data in an open manner? Of course, thank you for all the information that you *do* pour out every day Car_man.
3. The best always accessible website that I have found that has a good amount of detailed lease info for many cars, is this link below (sorry Edmunds, it's from cars.com). It is *not* always accurate, and should be taken with a grain of salt, but I have found it to be helpful, but not nearly as accurate as Car_man. Note that this site lists money factors as a percentages, which is actually the money factor number times 2400 (for example MF 0.0006 x 2400 = 1.44%) to get a fairly comparable number to standard auto loan interest rates. Just enter you zip, and then click into each model and trim to see detail lease info.
4. Each dealer *should* be able to provide you MF and Residual for a specific car, with a specific lease length in months, and miles per year. But you have to "get involved" with a sales guy to begin to extract this kind of info. Ugh.
5. There is a company called ALG that publishes a "residual guide" each quarter of what they recommend as the residual for each model and trim, after different lease lengths of time, and different mileage usage. They *will sell* you a single copy of their "Residual Percentage Guide 2012 Models National" book for about $50 by calling the number on this link, 1-805-898-8400. The manufacturers *do not* always match these residuals all the time, but it *is* a fair way to generally see what models and trims would give you a relatively cheaper monthly payment, due to holding their value better.
Hope this helps everyone.
John Gettler0
jenbtravels Posts: 4Hi - I'm a first time car buyer and I'm planning to lease the Mercedes C250 Coupe. I don't believe this is a great deal, but I'd love to hear from someone about this that is far more experienced than myself:
MSRP: $44,250 (includes multi-media, premium package, and 18" alloy wheels, keyless go)
Residual: $30545
Annual Miles: 10,000
Months: 36
Payment: $647
Due at Signing: $1250
Sales Tax: 1.50% = 663.750
This is more of a general topic for asking about how to calculate leases - you might find more specific help in our Mercedes C-Class Lease Questions discussion. We'll leave your post here, but if you click on my link and post in that discussion, you might get more feedback. You can also see what other recent buyers have reported.
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I saw the following lease ad on a manufacturer's website --
"$199/Month, 36-Month Lease, $1,999 due at Lease Signing. Includes 1st Month's Payment and Acquisition Fee. Excludes taxes, title and fees."
Additional details in the fine print --
MSRP $19,550 plus destination charge of $795. Payment based on capitalized cost of $18,440. Total payments of $7,160. Purchase option at lease end of $12,004 plus tax or price negotiated at signing.
Firstly, I want to understand how the capitalized cost was arrived at. Shouldn't the capitalized cost be 19550+795-1999 = 18346?. They are claiming it is 18440.
Also, I want to find the MF they are using. Here's my calculation from the $199 monthly payment. The depreciation payment is (18440 - 12004)/36 = 179. That leaves $20 for the interest, so (18440+12004)*MF = 20. That makes MF = 0.000657, so interest rate = 0.000657*2400 = 1.57%
Is this calculation correct?
Since total payments required is 7160 and each payment is 199, they are expecting 36 payments. Then why do they claim $1999 includes the first month's payment?
Lastly, what should I expect to pay for 'taxes, title and fees" in California?
Appreciate any feedback.0
Sell. $40564.25
Cap cost reduction $5250.00
Money Factor. $.000583. (1.4%)
Residual. $22954.25
Payment. $446.78
Out of pocket
First month & ?? $814.28
The numbers don't seem to work for me. I come up with a payment of $404 which includes the 7% sales tax. What am I missing? Doesn't the cap cost reduction come off of the sale price so the net cap is $35314.25
Yes, the cap cost reduction does come off the actual selling price to arrive at the net cap cost. I would ask what else is going into the payment number. Looks like there is somewhere around $1500 or so that needs explaining. Probably the acquisition fee plus??0
What your example doesn't show is the actual capitalized cost... That could include other amounts not shown. The acquisition fee comes to mind, at first glance...
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Edmunds Moderator0
Firstly, I want to understand how the capitalized cost was arrived at. Shouldn't the capitalized cost be 19550+795-1999 = 18346?. They are claiming it is 18440.
If $1999 is the due at signing, then it includes the first payment and you should only subtract $1800. BUT... what isn't disclosed is the actual selling price of the vehicle. In your assumption, you would be paying MSRP, which isn't good... Also, other additions to the CAP cost may not be disclosed, including the acquisition fee.. My guess? There is an acquisition fee of around $700, and the vehicle is discounted about $800 to arrive at that CAP cost
Also, I want to find the MF they are using. Here's my calculation from the $199 monthly payment. The depreciation payment is (18440 - 12004)/36 = 179. That leaves $20 for the interest, so (18440+12004)*MF = 20. That makes MF = 0.000657, so interest rate = 0.000657*2400 = 1.57%
Is this calculation correct?
Your math looks to be correct... Is the purchase option price the same as the residual? Usually it is, but not always... that could change the calculation... Most likely, you have it right.
Since total payments required is 7160 and each payment is 199, they are expecting 36 payments. Then why do they claim $1999 includes the first month's payment?
It's still 36 payments of $199..... paying other amounts at signing in addition to that ($1800) doesn't change what is actually being paid.. Just a legal disclaimer.
Lastly, what should I expect to pay for 'taxes, title and fees" in California?
Title/registration/document fees in California are roughly 2-3% of the purchase price, as a general rule of thumb... California taxes the monthly payment on leases.... So, if your local rate is 9%, then tax will be about $18/mo..
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Edmunds Moderator0
Thanks for the reply. Yes the destination charge or acquisition fee is not there so that is probably it. I wish they would of just told me that up front but they seem to always be about the payment and that is it. And in such a big hurry to get me down in front of the business manager.0
Some fund providers use an interest rate instead of a money factor. When I saw the $795 acquisition fee, I immediately thought of GMAC/Ally Bank who charges a $795 acq. fee. They also use an interest rate. So, here's my question: Who is the manufacturer? GMAC? I know that there are other providers that charge a $795 acq. fee, but I want to make sure whether this is a money factor lease or an interest rate before answering your question.
I assume thast the numbers and all terminology that you provided are correct.
For instance, you stated
"Payment based on capitalized cost of $18,440"
I have no idea what that means. Is that the selling price? Is that the gross cap cost? Is that the net cap cost? Frequently, dealers will erroneously use the term "purchase price" when they really mean "gross capitalized cost". So, there are a lot of questionable things here. For instance, I've assumed that the $18,440 is the net capitalized cost because that's the way most Ads disclose it.
"MSRP $19,550 plus destination charge of $795."
Just doen't make a bit of sense. Another thing that makes no sense is that the Ad states...
"Total payments of $7,160."
Makes no sense because 35 x $199 + $1,999 = $8,964
The $1,999 includes the first payment of $199. Obviously, there is a cap reduction of $1,800 and the 795 acq fee appears to be financed in the lease.
This Ad does not make one bit of sense. I think you need to double check it and ask some questions.
Can you provide a link to the manufacturer's website please?
Let me comment on your calculations...
The average monthly depreciation is actually $178.77... and the average monthly finance charge is $20.22... and so, the money factor works out to be 0.00066424372...
This is a rather strange-looking money factor because the money factor syntax takes the form 0.00XXX and, if rounded, amounts to 0.00066 which yields as payment of $198.87. Usually, the rounding of the money factor is not that extreme. And, although very close, I still get the feeling that this might be an interest rate lease. Another issue is that the residual factor amounts to 61.4% ($12,004/$19550) which is really strange. It should come out to a nice whole number. Something just isn't right.
Thanks for your response.
Regarding your point about paying MSRP, I was only walking through the calculation with the data in the ad. Just trying it on for size, if you will. We are not yet sure which vehicle we want to get and if it is this one, I will definitely negotiate to bring down the purchase price first.0
Thanks for your response, John.
The numbers are terminology are correct. The manufacturer is Mazda and here's the link to the ad. It's the offer at the bottom of this page.
link title
Now your points/questions --
> "MSRP $19,550 plus destination charge of $795."
> Just doen't make a bit of sense.
I don't know why it doesn't make sense. Is it the numbers themselves or the terminology?
> "Total payments of $7,160."
> Makes no sense because 35 x $199 + $1,999 = $8,964
I assumed that 'total payments' refers to payments during the lease duration and does not include the $1,999 payment made at signing. As kyfdx explained, one reasonable interpretation is $1800 + $199 at signing and then 36 payments of $199 subsequently. In which case, 36*199 = 7164, which is close enough to their statement. My original question about the $7160 was why should there be 36 more payments if the initial payment included the first monthly payment. Shouldn't there be 35 more after the first payment? But I will accept kyfdx's explanation.
> And, although very close, I still get the feeling that this might be an interest rate lease.
I did not know that there are different kinds of leases. Please explain 'interest rate lease'. Are most leases some other kind? Does it change the calculation?
Hopefully, you can look at the ad with the link I provided. I appreciate any further comments after you look at the ad.0
Could not find a lease fitting your description at the Mazda website. Knowing the model may have been helpful. Anyway, I was so focucsed on the $795 acquisition fee that when I saw...
"MSRP $19,550 plus destination charge of $795."
my mind blocked out the word "destination" and all I saw was $795 which I associated with the acq fee. Sorry. Now it makes sense. So, the residual is $12,004 meaning that the residual factor is 59% ($12,004/$20,345) based on a total MSRP of $20,345.
Mazda uses a money factor as opposed to an interest rate. Ally Bank uses an interest rate. Interest rate payments are computed based on an annuity formula similar to the way loan payments are calculated except at the end of the term, there is a residual remaining which is analogous to a loan balance. This results in lower monthly payments than they otherwise would be.
Because of the complexities associated with computing payments using an interest rate, many years ago the concept of "money factor" was introduced which is defined as the estimated interest rate divided by 24. Here's why...
monthly payment ~ (annual int rate/12) x (net cap + residual)/2 + (net cap - residual)/Term
So that...
monthly payment ~ (annual int rate/24) x (net cap + residual) + (net cap - residual)/Term
money factor ~ annual int rate/24
(annual int rate/12) = estimated monthly interest rate
(net cap + residual)/2 = average lease balance
(net cap - residual)/Term = average monthly depreciation charge
(annual int rate/12) x (net cap + residual)/2 = average lease finance charge
If we assume an imputed money factor of 0.00066, then the monthly payment, assuming the capital cost of $18,440 is the NET capital cost, is
0.00066 x ($18,440 + $12,004) + ($18,440 - $12,004)/12 = $198.87
which is very close to $199. The bet here is that the NET cap is $18,440 and that the money factor is 0.00066. If so, then the selling price of the vehicle is...
$18,440 + $1,800 - $795 = $19,445
You need to research the selling price for this model vehicle as the selling price is the most important number in a lease. Use Edmunds, and TrueCar...
Total payments of $7,160 does not make sense because you're paying $1,999 at lease inception which includes your first payment of $199 meaning that 35 payments of $199 remain. It also includes an $1,800 capitalized cost reduction. The $795 acq fee is financed in the lease and, therefore, is embedded in the $199 payment. As such, total payments should be....
$1,999 + 35 x $199 = $8,964
Federal regulations (Regulation M- Consumer Retail Leasing) manadate that cap reductions be included in the total of payments as well as the first payment due at lease signing.
Let me emphasize that your first payment of $199 is due at signing and the remaining 35 are due over each of the next 35 months. You're making payments at the beginning of the term instead of at the end which is how loan payments are constructed. Your periodic payments form what is known as an annuity due because the first is paid up front (i.e., due immediately). A sequence of loan payments are what is known as an ordinary annuity because the first payment isn't due until one month from the date the loan is originated.
Regarding your question...
"My original question about the $7160 was why should there be 36 more payments if the initial payment included the first monthly payment. Shouldn't there be 35 more after the first payment?"
There aren't 36 more payments... there are only 35 because you made the first payment at lease inception. Hence, total payments, including the $1,800 cap reduction, should be...
$1,999 + 35 x $199 = $8,964
c45man Posts: 1If the monthly lease payment is advertised at X number of dollars a month and the start up fee payment is listed at X dollars of month, what factor does bonus cash mentioned in the incentive have on the payment and down money. If the down payment is $2500 to start the lease and the bonus cash is $1000. does that equate to only $1500 down, or is the bonus cash already factored into the figures already stated?0
In most ads, all of the incentives are already factored into the advertised payment and money down..
I'm sure you can find an occasional exception..
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Edmunds Moderator0
I used this forum to try and figure my own payments when negotiating 2 leases (one for my wife, one for me). We ended up being very close to what I was hoping for both on monthly payments and taxes/fees being paid up front.
Now that I am reading through all my lease agreements I am trying to understand all the numbers. I still think I got was I was looking for but I am having trouble making sense of why some of the numbers are represented the way they are or why it is structured the way it is. I want to make sure I am educated on this so when my leases are up I can do better or so I can understand if I made mistakes. Any help would be appreciated.
2013 Sorento EX w/ Premium Plus Package 36 month/15,000 mile
Residual - 55% or 17,091.25
Agreed price - 29771.02
Taxes - 1232.88 (how did they calculate this?) 7.5% Ontario County NYS Taxes
Acq fee - 595
Gross Cap cost (Price + taxes + acq fee) - 31598.90
Cap cost reduction - 3672.86 (I DON'T KNOW WHERE THIS CAME FROM)
Adj Cap Cost - 27926.04
Money Factor - 0.00117
Rent charge - 1896.25
Monthly payments - 353.64
Amount due at signing
Cap cost reduction - 3672.86
1st payment - 353.64
Title fee - 85
Reg/NYS tire fee - 87.50
Total - 4199 (This is then broken down into 2250 rebate and 1949 actual cash down)
The 2250 rebate comes from 1500 Kia dealer cash and 750 competitive bonus for Mazda owner
So all in all it comes close to what I had calculated as what I was expecting
341.91 payments with the following down
595 acq fee
87.50 reg tire
85 title
341.91 1st payment
1091 (tax on rebate and 341.91 monthly payment)
total down - 2200
I will post the numbers on the Optima later. Let's just start with the Sorento if someone is able to shed light on this I would be much appreciated.0
Your $3672.86 cap reduction is what remains of your $1949 cash down and the $2250 rebate ($4199) after deducting the following charges...
1st payment - 353.64
Title fee - 85
Reg/NYS tire fee - 87.50
Sales tax in NYS is levied on the total of the taxable payments which includes the $595 acq fee as it is capitalized in the lease. In your case, your taxable payment amounts to $317.95. So, your total payment tax liability amounts to 36 x 317.95 x 0.075/(1 - 0.075) or $928.07. Remember that you're capitalizing the sales tax. In addition, tax is levied on the $3,672.86 cap reduction which amounts to 0.075 x $3,672.86 or $275.46.
So far, your tax liability amounts to $928.07 + $275.46 or $1,203.53. Somewhere, your dealer managed to find an additional tax of $29.35 (i.e., $1,203.53 + $29.35 = $1,232.88) which reflects an additional taxable amount of $29.35/0.075 = $391.33. Given the information provided, I have no idea where this came from and so, in order to make an intelligent assessment, I would need to see your lease agreement or, better yet, the dealer's lease worksheet as something is definitely missing. My suggestion to you is to ask the dealer for their Lease Worksheet. Every dealer must submit a copy of this worksheet to the fund provider.
For a detailed description of how consumer retail leases are taxed in NYS, I suggest visiting the following website...
There you will find a comprehensive article detailing the sales tax treatment given to leases in NYS. Except for taxes, which remain questionable, all other numbers are correct.
Thanks for all that info. I will have to go over it a few times to make sure I understand. I had asked to pay taxes and all fees and not put down any down payment (cap cost reduction) other than paying all taxes and fees. That is why I dont get where the Cap cost reduction number came from. I see how it comes from the down payment and rebate minus fees but how did they calculate the down payment? Seems like a chicken or the egg thing.
Based on what you have said I would have expected to pay 928 + fees. Also does the acq fee have to be capitialized or could it be paid upfront with taxes?
I guess I had that incorrect. The 928 was based on having CCR of 3672.86. If I actually had no CCR excpet the 2250 dealer rebate (that can be considered CCR right?) then I should have a taxable payment of 359.14? which would be 1048 according your formula? But then my up front payment should have been 1048+85+87.5+359.14 = 1579.64.
Why is the tax calculated by multiplying by .075 and then dividing by 1-.075?
Thanks again for the information on this.0
You asked...
"Why is the tax calculated by multiplying by .075 and then dividing by 1-.075?"
If you are rolling (i.e., capitalizing) New York sales tax into your lease, you are paying sales tax on sales tax. As far as I know, the constitutionality of this has never been challenged. In fact, I'm guessing that few New Yorkers realize that sales tax is being levied on sales tax in such instances. Again, you may want to visit the website I suggested above to see exactly how taxes and taxable payments are determined in NYS. It's too long to discuss here.
Down payment and CCR mean the same thing. In leasing, the term down payment is never used but people use it to mean different things. For instance, they'll often use the term to mean all the up front fees paid in a lease which is incorrect. For example, the acq fee can be paid up front as well as taxes. However, neither of them reflect a down payment. Down payment means cap reduction only.
Part of or all of the rebate can be used as a CCR. The balance can be used to pay the front end lease charges which was done in your case. I'm not sure why you paid $1,949 cash as part of the CCR. The other part, $3,672.86 - $1,949 or $1,723.86 represents that portion of the $2250 rebate that was used as a CCR. The balance of the rebate, $2,250.00 - $1,723.86 or $526.14 was used to pay the following front end charges...
1st payment - 353.64
Title fee - 85
Reg/NYS tire fee - 87.50
And so, a portion of the $2250 rebate was used as a CCR and the other portion was used to pay the front end lease charges. Am I making sense?
Your lease payment was calculated as follows...
0.00117x (29771.02+595+1232.88-3672.86+17091.25)+(29771.02+595+1232.88-3672.86-17091.25) x 1/36 = 353.64
Hope this helps.
Yeah the spreadsheet I put together for calculating this stuff off of the different input numbers jibes but what I did not understand was why I had any CCR at all. Did acq fee or taxes have to be capitalized and then partially taken back out with CCR money? Seems like the straightforward way would have been to capitalize nothing and then apply the rebate towards tax and fees and then pay whatever remained. But I did not know if taxes had to be paid on the rebate.
That's the way the dealer decided to do it. You gave them $1,949 in cash plus a $2,250 rebate. So, the dealer decided to allocate that money to pay the up front charges and the amount remaining was used as a CCR. You probably could have controlled that deal by creating a one-page lease proposal stipulating how the $2,250 rebate was to be allocated. Because you didn't do that, the dealer took it upon themselves to allocate thoses dollars in the manner described. Remember, they have a total of $4,199 to play with. The acq fee and taxes were capitalized in the lease but could have been paid upfront. Personally, I would have paid them upfront ($595 + $1218 + 407 + 85 + 87.50) and would have written a check for the balance owed (about $142) instead of giving them $1,949. Now, that would have given me a payment of $407 but I would not have parted with all that upfront CCR. Money down on a vehicle is not a good idea as it is a depreciating asset. If you total the vehicle, you necessarily risk losing all or part of the CCR.
Again, I'm not sure why you gave them $1,949 especially if you knew that you were entitled to a $2,250 rebate.
I've reconciled all the numbers except I can't account for the $29.35 of additional tax without seeing the dealer's worksheet.
I wanted to do it basically the way you suggest but had only been researching lease structure for about a week and needed to get 2 cars quickly because my wife's engine had died in her previous car.
Unfortunately I was having a hard time finding out how taxes needed to be calculated and what did or did not have to be capitalized. It sounds like what you are saying is that nothing has to be capitalized if you don't want to except the negotiated price of the car.
I gave them 1,949 because that is what they told me the money needed for taxes and fees was and based on my calculations I felt the combo of the payments and cash was in the range of what made sense based on my calculations coming in. Now after the fact I am just trying to reconcile the numbers exactly (I know reconciling before signing would have been the way to go) so I can be in a better position to do this next time.
I have a question about your upfront numbers. With no cap adjustment (ie adj cap cost = base cap cost 29771.02) I get the 407.04 monthly but how do you arrive at the 1218 tax? is it based solely on the payments or is the incentive taxed?
Thanks for the help on this.0
Actually, I did the tax calc on the fly. The tax amount should be...
0.075 x (407.04 x 36 + 595) = 1143.63
Yup, the acq fee is taxable. However, there may be other taxable items that I haven't considered such as title/reg/tire fees and incentives. Don't know if these are taxable or not in NYS. Generally, manufacturer rebates/incentives are taxable. However, dealer discounts are not taxable in most if not all states. If the $2,250 rebate is taxable, add another $168.75 for a total of $1,312.38. The question I would ask the dealer is whether or not there are any manadates as to how that rebate is to be used. Can the dealer simply write a check to the lessee for $2,250? Or, must the rebate be used to fund the lease?
As you know, the selling price of the car has nothing to do with whether you capitalize items or not. You don't have to capitalize anything in a lease, except selling price of course. Two identities follow...
Negotiated Sell price + Capitalized Amounts = Gross Cap
Gross Cap - CCR = Adj. Cap.
As you can see, sell price and capitalized amounts are only used to determine the gross cap; one has nothing to do with the other. If there are no capped items, then sell price = gross cap.
lazo23 Posts: 4Hello kirstie_h!
The following is for a 2013 Acura MDX w/ Tech Package
Just left the dealership and for the sake of sleeping well, would like to know if the deal I got was a good one... Every lease calculator i tried says it's an excellent one but I'm a bit pessimistic! Please help! You think you have it all under control but yet they find a way to get you! I tried to perpetuate the situation by continually asking for numbers but they like to be vague and quick to walk away! Took a lot of back and forth w/ the sales rep going to the Finance guy - annoying. Keep in mind I like to have low monthly payments even if it means putting a bit more down in the beginning though I've noticed not to many are into that. I'll write the final deal at the end;
Cap Cost - 42321 (negotiated price only)
Residual value - 26317
Bank Money Factor - .0012 or 2.9 APR'
Lease Term - 36/mo 10K miles
I also had a 2010 TL w/ Tech w/ 4 payments left totaling $1796 I wanted to trade in.
End of day, I walked out w/ 5K down and $465 per month inclusive of tax, first month payment, dmv and other misc fees.
Also, in NY w/ a tax rate of 8.875%


text:
Nov 10
The TSA has reacted to the burgeoning backlash against airport oppression with a glib response that does nothing to address the multitude of complaints put forward by some of the most prominent travel and pilots associations in the world.
The controversy has been propelled back into the news over the last few days after the Drudge Report prominently featured stories concerning the backlash against "Big Sis" on Sunday and Monday.
While illegal aliens are approved by the TSA to conduct flight training, Americans are being molested with aggressive new groping techniques that resemble sexual assault.
As the New York Times reports today, no less than four major travel organizations have strongly criticized the TSA in recent weeks over increasingly stifling airport security measures that do little to assure safety yet are causing many people to refuse to travel to the United States, costing the industry millions of dollars a year.
"In recent weeks, representatives from the International Air Transport Association, the U.S. Travel Association, the Allied Pilots Association and British Airways have criticized the T.S.A., saying it adds intrusive and time-consuming layers of scrutiny at airport checkpoints, without effectively addressing legitimate security concerns," states the report.
The U.S. Travel Association is warning that onerous and "absurd" security procedures, which are only getting worse with the TSA's recent move to institute outright groping of passengers that would be considered sexual assault in any other context, are discouraging people from air travel.
Giovanni Bisignani, chief executive of the International Air Transport Association, said that the notion of passengers as guilty until proven innocent was also a complete misnomer.
"Discouraging travelers with queues into the parking lot is not a solution," Mr. Bisignani said during a speech last week. "And it is not acceptable to treat passengers as terrorists until they prove themselves innocent."
As we reported yesterday, the largest independent union of airline pilots in the world is also urging its members to boycott body imaging machines currently being rolled out in airports all over the globe, citing dangers of excessive exposure to harmful levels of radiation during the screening process. The announcement by the Allied Pilots Association came after a ExpressJet Airlines, Inc pilot Michael Roberts was detained and suspended for refusing to be scanned.
Last month, British Airways Chairman Martin Broughton called for the UK to stop mimicking "completely redundant" security measures instituted by the TSA, calling for them to be immediately scrapped.
Longer waits in security queues are causing many to scale back air travel altogether. The Times cites the example of Cornell Professor Dieter Ast, who refuses to submit to naked body scanners.
"I'm not taking as many trips," Professor Dieter said. "And my European friends are avoiding the U.S. because of the hassle."
But it's not just longer waiting times and enhanced groping measures that are causing the outrage, countless examples of abuse and degradation, particularly involving the elderly, the physically disabled, women and children, involving TSA thugs have prompted many potential tourists to refuse to travel to the United States.
As a result of a seemingly deliberate policy to humiliate and demean weaker members of society, US airport security, not just TSA agents but also Homeland Security goons, have attracted an odious reputation globally as something akin to the East German Stasi who controlled border security in pre-perestroika Berlin.
The TSA has responded to the controversy by offering nothing more than a terse email statement which glibly states, "T.S.A. is a counterterrorism agency whose mission is to ensure the safety of the traveling public. To that end, T.S.A. deploys the latest technologies and implements comprehensive procedures that protect passengers while facilitating travel."
It looks like it's going to take a raft of lawsuits and compensation claims to scale back TSA tyranny and that's the course taken by the Electronic Privacy Information Center in its bid to prove that the naked body scanners are dangerous and completely illegal.
Until the TSA realizes that its job is to provide rational and sensible security screening to protect the American people and the vast majority of innocent travelers from the infinitesimal percentage of bad guys that try to board airplanes, and not to treat every single person as not just a terrorist, but in many cases lower than an animal in the levels of abuse metered out, the backlash against airport molestation will continue to build and it will end up costing the US government billions in lost tourism revenue as well as lawsuits against TSA thugs.Scridb filter

subset: commoncrawl


text:
Oct 12
Global Banking Conference 2016 - Update on U.S. banks
As part of the Fitch Ratings 2016 Global Banking Conferences, Christopher Wolfe, Managing Director for US Financial Institutions gives an update on US Banks
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2019 Virtual Investor Meetings: U.S. Structured Credit
The leveraged loan and U.S. CLO markets have more than doubled since the financial crisis, and the make-up of these markets has changed quite radically, according to Kevin Kendra in our Virtual Investor Meeting on Structured Credit.
Rising Household Debt May Weigh on Medium-Term Chinese Growth
Chinese household debt has continued to rise rapidly, reaching 85% of disposable income at end-2018. Rising servicing costs will weigh on economic growth in the medium term and this is reflected in our latest GDP forecasts.
Jul 29
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2019 Virtual Investor Meetings: Asia-Pacific Covered Bonds
The outlook for Asia-Pacific covered bonds looks broadly stable. In our latest Virtual Investor Meeting, Claire Heaton, Senior Director, discusses buffers against falling home prices in Australia and the rise of local currency covered bonds.
Jul 24
UK Politics Remain Volatile as No-Deal Risk Rises
The election of Boris Johnson as leader of the UK Conservative Party further increases the risk of a no-deal Brexit; but domestic political outcomes and the timing and nature of the UK's exit from the EU remain highly uncertain, Fitch Ratings says.
Jul 23
2019 Virtual Investor Meetings: U.S. ABS
Unemployment is at its lowest level in half a century and wages are still growing. John Bella discusses what this means for core assets like credit cards, prime autos and even student loans in our Virtual Investor Meeting for U.S. ABS.
Jul 18
2019 Virtual Investor Meetings: Australia Structured Finance
The property market in Australia has always caught investors' attention. Chris Stankovski, Senior Director, Structured Finance, Australia, shares views on the market performance, and how the regulatory landscape for mortgages has changed in Australia


text:
All day yesterday have been a blur of competition! These are my favorite groups.
This is Denison, IA, I believe. This group placed 3rd...
This was Sioux City or Sioux Falls. They placed 2nd in level 1. They had a costume change :) It was pretty sweet!
This was Thomas Jefferson from IA. I really liked their style, but they didn't place. The girls ripped off their skirts to reveal sweet shorts! They did a lot of break dancing.
Norfolk placed 4th. I LOVED their version of Masquerade! They also had a fun "Anything you can do, I can do better!' song.
Greased Lightning!
The last group, Abraham Lincoln from IA. They got 1st, I think... They were pretty good. Very sophisticated.
And that wraps up our Northeast Jazz Festival this year! all we have to do it clean up and get ready for TOUR next week!
Tuesday, March 31, 2009
Northeast Jazz Festival
All day yesterday have been a blur of competition! These are my favorite groups.
Posted by Angel Renee at 3:44 PM 0 comments Links to this post
Monday, March 30, 2009
Technical Intelligence
I have finally figured out how to put my profile song on my profile! Feel free to click on my audio clip on right (You Can't Stop the Beat!) and let me know if it works...
Funny, cause I went out and got the cd from the library, tried numerous ways to link it to a URL and embed it, and then it just suddenly got added with one click... hmm... maybe I'm good at technical work now!
Posted by Angel Renee at 6:53 PM 0 comments Links to this post
Sunday, March 29, 2009
Wherein I Present My Best Friend...
Do you have a best friend?
- Yes I do. I have a best guy friend, and then there's my boyfriend who I love JUST AS MUCH!!!
Who is your best friend?
- His name is James. James William Rush something!!!
How long have you known your best friend?
- I have known him for six years. That sounds like forever! Feels kinda like it too.
Do you tell your best friend everything?
- I don't as much now, but it's only because we don't talk much anymore. We busy peoples.
Do you tell your best friend things you don't tell your partner?
- Yeah. Not a lot though, and nothing vital. I know I can trust James to handle my emotional vomit...
What do you enjoy doing most with your best friend?
- Well, currently I enjoy chatting with him. But what I really love to do best is accidently get him lost in Nashville.
What is your best memory of your best friend?
- It is this: hiding in a closet after a horrble day, talking in whispers to him on the phone, and hearing someone actually cared.
What is your worst memory of your best friend?
- Kind of blurry, but I seem to remember a horrble week when I was confused and he was hittng things and cussing...sadness.
Do you and your best friend like the same things?
- We do. Movies, Music, Piano, Martial Arts, Humor...we are a lot alike.
Have you and your best friend ever dated the same person?
- Well... for what it's worth, we dated for 3 days or so... so yeah?
Do you think you will still be in contact with your best friend in 25 years?
- You know what? I think I will. I'm pretty sure we'll at least keep occasional contact.
What is the one thing you would change about your best friend?
- The safest thing I would change, would be to have him move about... oh, 14 hours closer. Yes, that would do it.
What is the one thing your best friend would change about you?
- I guess that if he had the power he would probably change my past. Cause he always has my best interest in mind.
If your best friend moved away, would you be able to cope?
- Yeah! No problem. We couldn't be farther apart anyway. As long as he has reception, I'm cool.
Posted by Angel Renee at 7:50 PM 3 comments Links to this post
The Rest of the Lesson Plan Story
My Lesson Plan was taught very well! It sort of helped that Kalin went first in class. He taught 12th grade Health class. Steroids are a fascinating subject to college-students-pretending-to-be-high-schoolers. He made it through with a smile, though. I observed what he did, and what our teacher made notes on. Then all too soon it was my turn.
I have to admit that I got a very high satisfaction out of instructing my class to sing the Easter song. Most of them stared in disbelief when I told them to get out their 'counting fingers!'. Some giggled while we sang, 'One little, two little, three little Easter eggs...'. The 'macho' guys rolled their eyes. Nathan, who really can't be categorized as macho, grinned and bounced while singing.
The Easter egg activity went well. You might have seen this activity before. It has a cute pattern, you cut it out and use a brad to fasten two pieces of a pattern together. What you get is a little egg, which opens to reveal a tiny chick with a top hat and a bow tie.
Since when do chicks hatch out with a top hat and a bow tie?
It looked something like this, only fancier and covered in glitter and stickers.
I got ten out of a possible ten points. My teacher's only complaint about my lesson went something like, "Don't overuse the term 'guys'-it's sexist."
Yay for preschool!
Posted by Angel Renee at 9:24 AM 2 comments Links to this post
Saturday, March 28, 2009
Museum of Memories
Oh, the mystery of friends!
...May we forever remember one another...
In the museum of our memories.
And then, just because I think I'm hardcore in a bandanna, I'll let you admire.
Posted by Angel Renee at 6:25 PM 0 comments Links to this post
I Have become Highly Complex...
Posted by Angel Renee at 4:58 PM 0 comments Links to this post
Aaron * Angel * TruLove!
Create Fake Magazine Covers with your own picture at MagMyPic.com
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Thursday, March 26, 2009
Oh, The Cleverness of Me.
Posted by Angel Renee at 1:31 PM 4 comments Links to this post
Wednesday, March 25, 2009
Well, Today is the day I get to teach my first classroom!! I chose preschoolers because I deal with them best. It's gonna be fun! My subject is: Ee is for Easter! I'm using the IPEAR method to teach it.
Give each child an egg with a surprise in it. What is the egg for? EASTER!!!
Sing a song about Easter: Ten Little Easter Eggs (sung to 10 Little Indians)
Read The Easter Egg Farm, talk about eggs and Easter and bunnies.
Decorate your own egg! I'll have to post pictures of this activity :)
Sing song again, talk about Ee
Sounds like a blast, huh? I have 20 minutes to teach this lesson. Let's hope it's good!
Angel Renee
Posted by Angel Renee at 7:41 AM 0 comments Links to this post
Saturday, March 21, 2009
Melting Heart
No blood flows
In these dormant veins
Ice alone inhabits
These sad remains
No longer runs life
In arteries so still
The glacier hands shiver
Numb from the chill
Silent for so long
Fading fast away
Catch a sudden glimpse
Of hope by light of day
Then, slowly warming
An anger starts to grow
Heat begins mounting
Sudden spurts the flow
Emotions running rampant
A cold heart screams
Erupting, fiery fury
Mourning broken dreams
A hurricane depicting
The passion of the grief
Will calm of joy return
Defying all belief?
Posted by Angel Renee at 3:30 PM 0 comments Links to this post
I am Unique
I am unique.
When I meet new people, I remember them by colors. With a rare sensory condition called synesthesia,
my brain blends sounds with colors and even tastes. Susan Gaidos explains on Sciencenews.com,
"Synesthetes do not actively think about their perceptions — they just happen. Some synesthetes report
that they see such colors internally, in 'the mind's eye.' " Across the room from me, Brooke is a richer-
than-navy blue, and Ryan is saturated in a bold hunter green. Beside me, Michelle stands out in
a deep purple, and Sam hints at a light but striking yellow. Mr. Harrison is a dusky, sparkling charcoal.
People often define me as a freak when I describe emotions or numbers in color, such as, "that tastes
blue!" or, "I feel burnt orange right now". As a result, I rarely share my condition with people. However,
if I don't tell anyone, my 'true colors' never shine through.
I am unique. I have immense terror at tipping over backwards. If I am sitting in a chair, all four legs must
be on the ground. One day my boyfriend teasingly pulled my chair back so that the front legs left the
ground. After I flipped off the chair in panic, I attacked him in self defense. He never repeated that
mistake again. Other than that, not much scares me. I used to be scared of rejection, but once I was
confronted with a case of rejection that brought me face-to-face with death, there is not much left
to fear for me.
There is no one else like me. I spoke my first words in an entire sentence at nine months. I was speaking
fluently from that moment forward. At age three I could read at a lower elementary level. I was so
advanced for my age that my mom was encouraged to homeschool me so I could work at my own pace.
While intellect came easily to me, I was much slower in picking up coordination skills. I have little
awareness of my surroundings even now. As a result, I am quite easily startled; all my guy friends like
this about me, so it is rather to my disadvantage.
I made the world a better place on a November night.
Speaking of November, that is my favorite month because it sounds romantic to me. Where I come
from, November is a month of mystery, when all the leaves are escaping to who knows where, and
the autumn air is still seeping into everyone's brain, whispering a song of magic and excitement. When
every school closes early because no one wants to miss a moment of sweaters and bonfires, horseback
and hayrides, apples and the last of the pumpkins. No "mild weather today and a blizzard tomorrow"
crap for me. Not in November, this month of bliss.
I am one of a kind. I am a unique blend: Ninety eight percent empathy, two percent rage. I am nine parts
creative to one part graceful. Love and loyalty are my fortes in life. I can run into walls that magically
appear right in front of my face at the last second. My favorite word is 'pontificate', and I'd love to
define it for you if you ever want to know. I have sung on stage in front of thousands of people.
I love puppies. Orange juice, with a little pulp, makes me happy. There is no one else like me.
I am unique- just like everyone else. I am one of millions with their own life story, love song, and
one-in-a-million experience. I have walked in the footprints of other humans with every single step I
have ever taken. My abilities were inherited from a seemingly endless bloodline that goes back
through ages. My habits have been picked up from a wide range of people. Every phrase quoted
has been spoken by someone who made an impact in my mind. My beliefs, morals, and priorities
have been influenced by others, whether well-known or unknown to me.
I am bound to an element named oxygen and cannot exist without it. Neither can I live without water.
While I don't give a thought to my next breath, that very breath depends on air to keep me alive. I
eat on a regular basis, consume fluids frequently, and perform all the functions needed to retain
this life I know little about. Just like everyone else I've ever met.
There is a path which I alone must travel. Beside, behind, before, and sometimes crossing my path are
a cardinal number of other paths. Each is traveled by a tired sojourner who will exit the scene in a timely
manner, as must I, making way for fresh, renewed excitement in young blood on a bright path to the
future. In due time, they will see what we see; that there is nothing new under the sun. And so they
will tire as do we, and begin a search for more, taking them...who knows where?
Ecclesiastes 1:3-11 in the New Living Translation of the Bible says, "Generations come and go, but
the Earth never changes… Rivers run into the sea, but the sea is never full. Everything is wearisome
beyond description. No matter how much we see, we are never satisfied…history merely repeats
itself. Nothing is ever truly new. " Sound like someone finally realized their fate in this mournful
I am but a speck of sand. What is that grain worth to the beach? According to a story of a man and
several million starfish, you have to look on a smaller scale to see the significance of your work. The
point of that story is, while you can't make a huge difference in the world as a whole, you can
change the lives of others one at a time.
Can you imagine the miracle of you? It is, in fact, unfathomable. How you can be so seemingly
insignificant, and yet such a miracle. And then break it down further, to a lilac for instance. A lilac
flower is a simple extension of the rest of the cluster, which is small in comparison to you and I,
let alone the larger scale of things. So of what use is that lilac bud? Here is my answer: it is a thermo-
dynamic miracle.
Thermo-dynamic miracles happen millions of times in a day. I'd like to explain thermo-dynamic miracles
with a quote from the movie Watchmen, put by Dr. Manhattan: "Thermo-dynamic miracles... events
with odds against so astronomical they're effectively impossible, like oxygen spontaneously becoming
gold. I long to observe such a thing. In each human coupling, a thousand million sperm vie for a single
egg. Multiply those odds by countless generations, against the odds of your ancestors being alive;
meeting; siring this precise son; that exact daughter... Until your mother loves a man she has every
reason to hate, and of that union, of the thousand million children competing for fertilization, it was
you, only you, that emerged. To distill so specific a form from that chaos of improbability, like turning air
to gold... that is the crowning unlikelihood. The thermo-dynamic miracle. But the world is so full of
people, so crowded with these miracles that they become commonplace and we forget... we
gaze continually at the world and it grows dull in our perceptions. Yet seen from another's vantage
point, as if new, it may still take our breath away. You are life, rarer than a quark and unpredictable
beyond dreams; the clay in which the forces that shape all things leave their fingerprints most clearly."
In closing, I am certain that if one human were to take his own life at this moment, the world would still
revolve, and life as a whole would go unaffected. But break it down to our own individual paths, and the
paths that cross ours, and consider the ripple effect that our actions have on others. And you will notice
how your life grows more precious with each step you take toward your own identity. Until you find,
perhaps, that inside every shell of a body lies a thermo-dynamic miracle. The world's cruelty may
break our resolve to be unique, but perhaps we are shattered to free the beautiful diamonds in our
Work Cited:
Gaidos, Susan http://www.sciencenews.org/view/feature/id/32474/title/The_Colorful_World_of_Synesthesia Copyright 2009.
The Holy Bible: Ecclesiastes. New Living Translation. Illinois: Tyndale House Publishers, 2004 Edition.
Watchmen: Zack Snyder. Warner Brothers Pictures, 2009.
Posted by Angel Renee at 12:41 PM 0 comments Links to this post
Create Fake Magazine Covers with your own picture at MagMyPic.com
Posted by Angel Renee at 9:47 AM 1 comments Links to this post
Inspiration for new blog face
One of my favorite Show Choir songs...
Hairspray's You Can't Stop The Beat!
You can't stop an avalanche as it races down the hill
You can try to stop the seasons, girl, but you know you never will
And you can try to stop my dancing feet, but I just cannot stand still!
'Cause the world keeps spinnin' round and round
And my heart's keepin' time to the speed of the sound
I was lost 'til I heard the drums, then I found my way
'Cause you can't stop the beat
Ever since the whole world began
A woman found out if she shook it, she could shake up a man
And so I'm gonna shake and shimmy it with all of my might today
'Cause you can't stop the motion of the ocean or the sun in the sky
You can wonder, if you wanna, but I never ask why
And you can try to hold me down, but I'll spit in your eye and say
That You Can't Stop the Beat!
You can't stop today (no)
As it comes speeding 'round the track [oooh, child yes!]
Yesterday is history [be gone!]
And it's never comin back! [Look ahead, cause...]
Tomorrow is a brand new day, and it don't know white from black [Yeah!]
'Cause the world keeps spinnin' round and round
And my heart's keepin time to the speed of sound
I was lost til I heard the drums, then I found my way
'Cause you cant stop the beat!
Ever since we first saw the light,
A man and woman like to shake it on a Saturday night
So I'm gonna shake and shimmy it with all of my might today!
Cause you cant stop the motion of the ocean, or the rain from above
They can try to stop the paradise we're dreamin of
But you cannot stop the rhythm of two hearts in love to stay
You can't stop the beat!
Posted by Angel Renee at 9:34 AM 0 comments Links to this post
Yay for almost a year between posts!
May was NOT the best time to start a blog. Mostly because I didn't have internet at camp. But that's okay. We had entirely too much fun and got paid to do it! My whole summer was filled with screaming kids, canoes and paddleboats, spiders, legendary monsters, missing Aaron, making new friends, riding horses... and all that jazz!!
School was a welcome respite from one kind of craziness. I now plunged into stacks of books and learning. My classes for fall included:
Intermediate Algebra
Lifetime Wellness
Aerobics 1 and 2
Women's Ensemble
Ebony and Crimson
Concert Choir
Northeast Singers Express
Voice III
Piano III
It was a lot of fun! This semester is even better!
Introduction to Education
Foundations of Math
Comparative Mythology
Women's Ensemble
Ebony and Crimson
Concert Choir
Northeast Singers Express
Voice IV
Last month I was diagnosed with the craziest thing...synesthesia. It's pretty awesome for a neuro-condition. You can read about it here:
Well, I do plan to blog quite a lot more frequently now. Adieu!
Posted by Angel Renee at 9:09 AM 0 comments Links to this post


text:
Christian Seifert is a PhD candidate at Victoria University of Wellington, New Zealand, and is currently on a visiting scholar appointment at the University of Washington in Seattle, WA. His research is targeted at improving the detection accuracy and speed of client honeypots. Christian has an MS in software engineering with a focus on computer security from Seattle University, WA. Christian has been a member of the New Zealand Honeynet Project since April 2006.
The work is licensed under a Creative Commons License.
Copyright © The Honeynet Project, 2007


text:
MRI Concerns
Dear OncoLink "Ask The Experts,"
My daughter's last MRI showed a very bright thick ring - a complete circle - around her brain tumor that was not there just 8 months ago. The shape of the tumor has changed a bit, too. Her tumor was removed 7 years ago. The doctor said, worst case scenario would be that it is now malignant with no cure. But he tells me to not worry and that she should have another MRI in 3 months. Any advice will help.
Robert Lustig MD FACR, Clinical Associate Professor, Department of Radiation Oncology, University of Pennsylvania, responds:
It sounds like your daughter initially presented with a low-grade brain tumor that was resected (surgically removed) 7 years ago. They are generally slow-growing and less invasive into the surrounding brain, making them somewhat easier to remove surgically, compared to higher grade tumors. However, low-grade tumors can recur many years after treatment. Sometimes they can recur at a more advanced grade than before. I would recommend a repeat MRI in 6 weeks along with MR spectroscopy. If there is any concern on the spectroscopy study, then surgery should be considered. The ring or circle around her tumor that you describe on the MRI is due to uptake of the MRI contrast, known as contrast enhancement. This enhancement can be from tumor progression, or can represent long-term changes from patients who were treated with radiation.


text:
About Us
Northwest Family Services is an award-winning, leading provider of creative services that reduce poverty. Northwest Family Services is pleased to offer information about upcoming events, other articles and links, and ways that you can become a part of the NWFS family.
Our vision and mission focus on core issues that support individual success, family stability, and child well-being. With over 25 years of experience in social services, our competent staff and evidence-based programs are the hallmark of NWFS. We have an array of services and programs ranging from professional counseling, job readiness and placement, work solutions, positive youth development, youth mentoring, gang prevention, school site management, healthy relationship education, financial literacy, parenting, anger management, and more.


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Robotics System Toolbox™ provides algorithms and hardware connectivity for developing autonomous robotics applications for aerial and ground vehicles, manipulators, and humanoid robots. Toolbox algorithms include path planning and path following for differential drive robots, scan matching, obstacle avoidance, and state estimation. For manipulator robots, the system toolbox includes algorithms for inverse kinematics, kinematic constraints, and dynamics using a rigid body tree representation.
The system toolbox provides an interface between MATLAB® and Simulink® and the Robot Operating System (ROS) that enables you to test and verify applications on ROS-enabled robots and robot simulators such as Gazebo. It includes examples showing how to work with virtual robots in Gazebo and with actual ROS-enabled robots.
Robotics System Toolbox supports C++ code generation, enabling you to generate a ROS node from a Simulink model and automatically deploy it to a ROS network. Support for Simulink external mode lets you view signals and change parameters while your deployed model is running.


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Get 10% Off 1st Purchase Code: RISQ10
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If Republicans' insistence on getting to the bottom of the terrorist attack on Benghazi last September is really a "sideshow" borne of "political motivations," that's only the case because of Democrats' clownish antics attempting to downplay and dismiss the issue. Here's the latest Exhibit A, from the president himself at his presser this morning:
The whole issue of talking point, frankly, throughout this process, has been a sideshow. We have been very clear about throughout that immediately after this event happened we were not clear who exactly had carried it out, how it had occurred, what the motivations were. It happened at the same time as we had seen attacks on U.S. embassies in Cairo as a consequence of this film and nobody understood exactly what was taking place during the course of those first few days. And the e-mails that you allude to were provided by us to congressional committees. They reviewed them several months ago, concluded that in fact there was nothing awful in terms of the process that we had used. And suddenly, three days ago, this gets spun up as if there is something new to the story. There is no there there.
Spare us the sanctimonious indignation, please. For one thing, as to those "attacks on U.S. embassies in Cairo as a consequence of this film," Andrew McCarthy explains at NRO that the much-discussed video was neither the only nor even the main provocation for the near-simultaneous chaos going on in Egypt at the time, despite the administration's insistence that they got that one right; and for another thing, if terrorism was always on the list of options (as it obviously should have been, since they knew from the beginning that it was a terrorist attack), why was it systematically scrubbed from the talking points? What do you even mean, there's "no there there"? 'Cause if we want to get real about 'political motivations,' pretending like nothing new is coming out of this investigation lately in order to cover the poor results of your foreign policy most definitely qualifies.
House Oversight Chairman Darrell Issa had some words for the president following his self-righteous display of misdirection: "Only the president could tell us with a straight face that there's never been any confusion and that from the beginning they've said the right thing. … As you go through the facts as they were, yes, in real-time, we knew this was an al Qaeda backed terrorist attack and everything else in between is simply revisionist history."


text:
Australia and New Zealand are cricketing rivals, but in the non-cricketing world New Zealand and Australia are best friends. I am dismayed at the reporting particularly on Ninemsn of the earth quake disaster currently in New Zealand which reports Australian trapped here, Australian over there etc...
In time of crisis every life is important no matter who they are or where they are from and our Kiwi brothers are in trouble and it is time for us to step over nationalism as a country and say hey, people need our help, what more can we do?
New Zealand earthquake disaster
Talk about anything not sport related here.
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- Major Wedgie
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- Location: Australia
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Find Your Perfect Wedding Stationary
We feel the best way to fall in love with our product is to see it in hand. You can order a sample by simply selecting "Sample" on the product page. Buy a sample and the shipping cost is on us!
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Product Description
you're bidding on 3 units Electronic Ballast for 2 feet to 4 feet (18W to 40W) T8 / T10 Fluorescent Tube.
- Energy efficient, consumes 3 to 4 times less energy than conventional ballast (choke & starter)
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- Support 18W - 40W (2' to 4') T8 / T10 fluorescent tubes
- Meets international standards with CE,ROHS and EEI=B2 certification
- some information regarding electronic ballast can be found here: http://en.wikipedia.org/wiki/Electrical_ballast
item includes:
- 3 units electronic ballast, wires fully equipped with T8 / T10 connectors
any question, feel free to contact me vester_syl(at)hotmail(dot)com or use the 'contact seller' button to contact me. no sms please.
item will be fully tested before posting out. have a look at my other sales here: http://members.lelong.com.my/Auc/List/List.asp?DataAction=Apply&UserID=vester_syl buyers for more than 1 item can combine for shipping to safe cost.
payment can be made to my maybank or CIMB account through any online transfer, atm transfer, atm cash deposit, bank counter cash deposit, cash deposit machine, etc. i'll send my bank details to your email within 24 hours after auction closed. please check your email inbox and junk/spam mail folder as well (sometimes the email will land in your junk/spam mail folder). after you've paid, please email me the exact amount paid, your shipping choice (pos daftar or poslaju), your mailing name, full address with post-code, and a valid telephone number as soon. item will be posted out within 2 working days after the fund is transfered. communicate through email only please. kindly settle the deal within 3 days after auction closed. thanks in advance.
please understand that we are web based trader and we don't meet up with buyers, so please don't insist on C.O.D. (self collect). thank you.


text:
Bat's Very Strange-Looking Nose May Be Used For Echolocation
Whatcha looking at? This is just my face.
This new leaf-nosed bat species was recently discovered in Vietnam. What's with the strange nose? Scientists think that its protuberances and indentations help the bat in echolocation. Come to think of it, it does kind of resemble another excellent sound detector: the inside a cat's ear.
As strange as the Hipposideros griffini's nose is, it's really got nothing on the star-nosed mole.
[via National Geographic News]
Image courtesy of Vu Dinh Thong / Journal of Mammalogy
CATEGORIZED UNDER: Living World
MORE ABOUT: bat, echolocation, hearing, new species, senses, vietnam


text:
New York Yankees All-Star Alex Rodriguez agreed to pay $12,000 monthly for the next four years to receive performance-enhancing drugs, according to the Miami New Times, and had been receiving injections from the director of a wellness clinic, according to ESPN.
Anthony Bosch, who operated the Biogenesis of America clinic in Coral Gables, Fla., personally injected Rodriguez with performance-enhancing drugs at his mansion on Biscayne Bay every few weeks, a source told ESPN. Bosch, who has publicly denied servicing Rodriguez, spoke openly about his relationship with Rodriguez, which the Miami New Times originally reported Tuesday.
MORE: A-Rod doesn't plan on retiring
REPORT: A-Rod, others linked to doping, Florida clinic
Rodriguez again Friday, denied the allegations through a spokesman.
Bosch was operating one of several wellness clinics in South Florida that Major League Baseball investigators targeted in the last eight months. Major League Baseball, frustrated by not having subpoena power, turned over its findings to the Drug Enforcement Agency, according to a high-ranking MLB official.
The Miami New Times, obtaining records and documents by a former employee, also reported that Melky Cabrera of the Toronto Blue Jays, Gio Gonzalez of the Washington Nationals, Nelson Cruz of the Texas Rangers, Yasmani Grandal of the San Diego Padres and Bartolo Colon of the Oakland A's also received performance-enhancing drugs from Bosch. Cabrera, Grandal and Colon all tested positive last year and received 50-game suspensions.
Cabrera began receiving performance-enhancing drugs from Bosch since 2009, according to the Miami New Times.
Also, in an explosive letter obtained by the Miami New Times, Bosch claims Cabrera owes him $14,000 -- including a $5,000 bonus for making the All-Star team. Cabrera was named MVP of the game.
The letter was addressed to Juan Nunez, a consultant who worked for agents Sam and Seth Levinson of ACES. The Levinsons still are under investigation by MLB, but were cleared by the MLB Players Association.
"Anyone who knows us, knows that it is absolutely ridiculous to think that we would ever condone the use of performance-enhancing drugs,'' Seth Levinson said in a prepared statement. "We have represented many hundreds of players over 25 years, and our track record makes it perfectly clear that we do things the right way. ACES long ago stopped using Juan Nunez as an independent contractor, and he plays no role whatsoever in ACES' ongoing representation of any professional baseball player."
Nunez, fired from ACES, has declined to comment publicly to USA TODAY.
Gonzalez and Cruz also have denied the Miami New Times' story.
Yankees general manager Brian Cashman, who spoke to Outside the Lines, was asked if A-Rod will be a Yankee when he returns from the disabled list:
"He's a Yankee. There's no doubt about that. He's signed a contract as a member of the New York Yankees. In terms of the pure facts as we know them today, there is nothing that changes that. ... If there is a situation that impacts anybody's player that Major League Baseball finds, everyone will focus on what that means to them individually as well as team-wise. It's business as usual right now."


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Texoma Pro Wrestling
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Monthly on the third Friday
1713 E FM 1417, 75090 (map)
posted by Johnny Mantell
Enjoy some of the greatest Indy Wrestling talent right here in Sherman, TX. Doors open at 6pm, Family-Friendly show. Exciting, affordable night out!! Many great up and coming superstars. Many have merchandise and will sign autographs during the intermissions. Tim Storm, Jerome Daniels, Short Sleeve Sampson, The Dot Mob and more!


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We all do it. It gets to April. There's a hint that summer is fast approaching. The Easter school break comes and goes; and suddenly, the next big school holiday is the summer one. It's time for heading to the beach and baring that skin in a swim suit. Or bather. Or cozzie. Or bikini. Or any number of other terms for the Lycra filled, no holds barred, shows every blemish and roll of flesh - piece of material that we all insist on wearing.
I'm doing it now; the assessing; not the holidaying. I am sitting here with my entire wardrobe flashing through my brain, knowing I've put too much weight on over the last month due to consumption of at least two chocolate bars a day. I know that I can halt the gradual weight increase by cutting back to my usual one bar of chocolate per day. And I also know, that if I want to loose any weight, I'm going to have to cut out the chocolate all together; remember not to replace it with cakes and biscuits thinking they won't count; and I'll actually have to do some exercise.
I've always said I don't do diets. I don't. Not fad diets anyway. All the methods my friends use: Atkins, Dukan, Slimming World, Rosemary Conley, Weight Watchers. I have heard about them all. I've watched people use them, loose weight, stop the diet, and throw the weight all back on again, until they, once again, start the diet, loose it all, and repeat the process in a yo yo fashion.
If you are happy with the yo yo weight management system, then that's fine. Loose the weight for the summer, put it all on again over winter. Ensure to have two separate wardrobes.
Put I'm not happy with that. I don't want to spend half the year craving food and stopping myself have eating what I love. Life's too short. Besides; that doesn't feel like a healthy long lasting approach to looking and feeling good.
So here's my 'diet'. Here's what I do when I feel I have over indulged for a while and I need to get back on track.
There are two stages:
1. Halt the weight increase.
That means I may feel a little hungry to start with. My stomach will have expanded to accommodate my large food intact, so now I need to teach it to shrink a little again. I need to do the following things:
- Cut back on the sweet stuff. Recognising that if I've already had a bar of chocolate today I really don't need another. This doesn't mean I can't. It means I take a second to remember that I am trying to adjust my eating habits slightly and make the choice then.
- Making a few more sensible choices. Picking lighter or smaller chocolate bars when I do indulge. Or swapping for a biscuit (just one if I can manage it)
- Eating a few more omelettes (because they fill you up for longer and reduce snacking).
- Drinking more water; particularly before and during meals. Again because the water fills you up (reducing that hungry feeling) and dehydration is a major cause of bloating. Who needs bloating on top of the bulge?
2. Encourage the weight to fall off
Continuing with the list above, I'll also add these things in:
- Have soup for lunch at least once a week. This fills you up (liquid does so more than solids) and thus reduces snacking.
- Cut back on alcohol. I love wine; but it is full of empty calories; so I try and have only one cherished glass at a time, with a maximum of one bottle per week if I am trying to loose weight.
- Increase the exercise. That means anything from walking to school as often as is feasible, to playing chase with the girls in the garden, to getting out to the gym, the local swimming pool, out on a bike or to a dance or Zumba class. For my review of Zumba click here.
- Exercise even whilst doing other tasks. There are stretches you can do whilst getting the dinner ready, arm toning you can do for 3 minutes before you settle down to watch the TV (or even during the adverts!) and bottom toning exercises you can do whilst cleaning your teeth (I always do this! Check out how easy it is here)
- And always, always have breakfast. There's an old saying which goes something like; "breakfast like a King; lunch like a Lord and dine like a pauper". The idea is that you need the most calories and energy first thing in the morning to get you going, but hardly need any calories to get through the final 2 or 3 hours between your last meal of the day and bedtime. So eat more at the start of the day to enable yourself to have time to use it up and burn it off. I always have cereal for breakfast; but I've noticed that if I add half a banana to it, in slices, I don't get hungry mid morning.
Use smaller plates. It sounds crazy but really does work.
I am convinced that one of the prime reasons for women putting on weight when they settle down and get married (or move in with a partner) is that they begin to eat all their meals with a man. Men need more calories on average. They eat bigger portions as a result. If you use the same plate size as them; you'll end up eating just as much. Which is, of course, too much for you.*
Use a smaller plate. You won't even notice the food you've not eaten. If you are anything like me you'll want to clear the plate. My upbringing means my body is comfortable that it's finished it's meal when the plate is empty; regardless of how large, or small, the plate was. I am used to clearing my plate, and we didn't have second helpings of the main course when I was growing up. There just wasn't any need for making more food that was required.
One final word of advice
If you are trying to lose weight, remember this. To lose weight you have to use up more calories than you consume. You know this; don't even pretend you don't! You know also that it will involve feeling hungry to start with, whilst your body adjusts to smaller portions. This is the stage where you have to be mentally strong and remember why you are doing it.
And once you get to your ideal weight the battle isn't over. Now you need to learn what level of food and exercise you need to adjust to, to maintain a static weight.
So don't do 'A' diet. Do 'YOUR' diet. Find your balance. Enjoy your food. Enjoy your exercise. Enjoy your life.
That, ladies, is my secret.
I am 5 foot six inches tall and a UK size 12 (US 10 - conversion chart here) usually. This week I am a UK size 14 (US 12). I weigh 11 stone 5 pounds (72.12kg - conversion chart here) at the moment. I am aiming for 11 stone for a comfortable size 12, but really I'll be happier when I can run around the garden for more than 5 minutes without getting tired.
You can browse Amazon here for fitness products.


text:
Download Notepad++ 6.1.5
Release Date: 2012-07-07
Notepad++ Installer : Take this one if you have no idea which one you should take.
- Notepad++ zip package : Don't want to use installer? Check this one (zip format).
- Notepad++ 7z package : Don't want to use installer? 7z format.
- Notepad++ minimalist package : No theme, no plugin, no updater, quick download and play directly. 7z format.
- SHA-1 digests for binary packages : Check it if you're paranoid.
- Notepad++ source code : The source code of current version.
You can find sha1 digests for binaries package on Sourceforge as well.
Notepad++ v6.1.5 fixed bugs:
- Fix a html tag match freezing issue.
- Fix the sidebar splitter failed in Windows 8 issue.
- Fix un regression: folding/unfolding performance issue.
- Fix tab context menu in the other localization regression due to adding new command "Reload".
- Fix lower/UPPER case on selected text which contains NULL characters.
- Fix wrap/unwrap line position not being kept bug.
- Fix xml syntax highlighting broken because of php preprocessor instruction inside.
- Fix a GUI bug which shows empty tab row while closing a last tab in a row (in the multi-line tab mode).


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The Pharmaceutical Industry
Center for Education and Research in Free Enterprise, Texas A&M University, 1985 - Pharmaceutical industry - 19 pages
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1962 amendments access to drugs antibiotics ascertaining drug quality average body's reactions Charles Maurice chemicals complex Coronary bypass surgery Dallas Dean detailmen Dethloff diseases doctors who write double-blind studies drug choice Drug Development drug effectiveness drug markets drug pricing drug products drug research Drug therapy early introductions economic effort example expensive factor health and health health care improvements Hence home computers important incentive compatibility ineffective drugs information regarding drug information source innovation Malpractice manufacturing market allocation Market failures market performance marketed products method of drug patent period patients period of protected Ph.D pharmaceutical industry placebo effect prescribe each drug prescriptions primary source Private individuals Public Issues Public Policy quality of drugs regarding drug quality relatively reputation effects research costs Research in Free risk averse safety and effectiveness Series on Public side effects technological change testing tetracycline Texas A&M University understanding Valium well-informed Wolken


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|A nice tender quick bread, seasoned with cinnamon and studded with walnuts, made using some of that garden bounty of zucchini.
Zucchini Nut BreadI suppose just about anybody that grows zucchini has a collection of recipes for their abundant bounty, including one for a sweet quick bread. On the other hand, those of us who are lucky enough to be the recipient of bags of that bounty, sometimes just don't know what all to do with them! This recipe is for the latter of us.
My savory preference from the group of summer squash is yellow crookneck, but I adore sweet bread made with shredded zucchini. If you've never tried zucchini bread before, just think along the lines of carrot cake, because it really is deliciously sweet and truly, but for the little specks of green that are scattered about in the bread, you'd never know you were eating something with zucchini in it. Back when I last worked at a law firm, the wife of my boss, a wonderful southern gentleman from Pontotoc, Mississippi, would flip over a loaf of zucchini bread. People love home baked goodies and frankly it never hurts to find favor in the wife of the boss!
This recipe makes two loaves - one to share or freeze, and another to enjoy, and it's a very simple recipe. You don't even need a mixer. Beat the eggs, add the oil and granulated sugar and beat until blended and thickened. Beat in the brown sugar. In a separate bowl, whisk together the flour, baking soda, cinnamon and salt, breaking up any flour lumps. If you're making chocolate zucchini bread, add in 1/2 cup natural, unsweetened cocoa here and up to 1/2 cup semi-sweet or dark chocolate chips. Adding in 1/4 to 1/2 teaspoon instant coffee powder really enhances the chocolate version.
Stir the walnuts in with the flour mixture. Add the grated zucchini to the brown sugar mixture and stir.
Add the vanilla to the zucchini mixture and stir. Combine the dry ingredients with the wet and gently mix together. Don't beat!
Pour evenly into the prepared loaf pans and bake at 350 degrees F for about 45 to 50 minutes, or until a toothpick inserted into the center of the bread comes out clean.
Let loaves rest in the pans for 5 minutes, then remove from the pans and transfer to a rack to finish cooling.
Zucchini, like crooknecks and other summer squash, are great in casseroles of course, cut up and stir fried, cut into ribbons and skewered with shrimp or cut into long thick strips, marinated in Italian dressing and grilled, or even stuffed, but it is especially delicious in a sweet bread. Pick up some zucchini at the grocery store and give it a try!
Linking to Weekend Potluck - check it out for more great recipes y'all!
Recipe: Zucchini Nut Bread©From the Kitchen of Deep South Dish
Prep time: 10 min |Cook time: 45 min | Yield: Makes 2 loaves
- 3 large eggs
- 1 cup of canola or vegetable oil
- 1/2 cup of granulated sugar
- 2 cups of light brown sugar, packed
- 2 teaspoons of pure vanilla extract
- 3 cups of all purpose flour
- 1 teaspoon of baking soda
- 2 teaspoons of cinnamon
- 1 teaspoon of kosher salt
- 1 cup of chopped walnuts or pecans
- 2 cups of unpeeled zucchini, shredded
Butter and flour or spray two small 8 x 4 inch loaf pans with Baker's Joy; set aside. Preheat oven to 350 degrees F.
Beat eggs; add the oil and granulated sugar; beat until blended and thickened. Stir in the brown sugar and add the vanilla extract. In a separate bowl, whisk together the flour, baking soda, cinnamon and salt, breaking up any flour lumps; stir in the walnuts. Add the zucchini to the brown sugar mixture and stir.
Combine the dry ingredients with the wet and gently mix together; do not beat. Pour evenly into the prepared loaf pans and bake at 350 degrees F for about 45 to 50 minutes (checking first at 40 minutes), or until a toothpick inserted into the center of the bread comes out clean. Do not overcook or the bread will be dry. Let rest for 5 minutes in the pans, then transfer loaves to a rack to cool slightly. Best served warm with honey butter. Let cool completely before storing; store leftovers in the fridge.
Cook's Notes: I use White Lily all purpose flour. One zucchini, about 12-inches in length, should give you about 2 cups shredded. Squeezing the zucchini is not necessary.
Chocolate Zucchini Bread: Add in 1/2 cup natural, unsweetened cocoa powder and up to 1/2 cup semi-sweet or dark chocolate chips. Adding in 1/4 to 1/2 teaspoon instant coffee powder is also a nice addition.
Fig Variation: LaJeanne Hall on our Facebook page shared that she substitutes fresh figs for the zucchini for a fig bread and it is "very very good!"
Apple Bread: Substitute shredded apple for the zucchini.
Source: http://deepsouthdish.com
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©Deep South Dish
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A Detailed Explanation Of How The BSA Misleads With Piracy Stats
from the and-on-and-on-it-goes deptA couple months ago, when the Business Software Alliance (BSA) released its latest stats on "piracy," it's VP of anti-piracy, Neil MacBride, gave me a call to discuss my earlier complaints about the organizations methodology. Needless to say, we did not see eye-to-eye, and the phone call did little to resolve our differences. I'm still hopeful that eventually the BSA will recognize that it's doing more damage to its own position by publishing obviously bogus numbers. So, with the organization releasing another bogus stat today, it's time to explain why it's wrong and misleading.
Today's report is an attempt to get the government involved in protecting BSA member companies' business model, by claiming that the US is losing out on $1.7 billion in tax revenue due to "pirated" software. And, of course, it comes with a lovely quote from Mr. MacBride: "The most tragic aspect is that the lost revenues to tech companies and local governments could be supporting thousands of good jobs and much-needed social services in our communities." And the BSA is even so kind as to quantify what that (not really) lost tax revenue could do: "For example, the lost tax revenues to state and local governments -- an estimated $1.7 billion -- would have been enough to build 100 middle schools or 10,831 affordable housing units; hire 24,395 experienced police officers; or purchase 6,335 propane-powered transit buses to reduce greenhouse gas emissions."
Except that this is almost entirely incorrect and it's relatively easy to show why:
- The report counts every unauthorized piece of software as a lost sale. You have to dig through separate PDFs to find this info, but when you finally get to the methodology it states:
The software losses are based on the piracy rate and equal the value of software installed not paid for.That's a huge, and obviously incorrect assumption. Many of the folks using the software likely would not have paid for it otherwise, or would have used cheaper or open source options instead.
- The report makes no effort to count the positive impact of unauthorized use of software in leading to future software sales. This is something that even Microsoft has admitted has helped the company grow over time. But according to the BSA's report, this doesn't matter.
- The report also proudly notes: "Software piracy also has ripple effects in local communities." However, "ripple effects" are easily disproved as double or triple counting the same dollar. Using ripple effects like that inflates the final number by two or three times. In the link here, Tim Lee explains this (in reference to an MPAA study done by IPI, but it applies here to the BSA study done by IDC as well):
If a foreigner gives me $1, and I turn around and buy an apple from you for a dollar, and then you turn around and buy an orange from another friend for a dollar, we haven't thereby increased our national wealth by $3. At the beginning of the sequence, we have an apple and an orange. At the end, we have an apple, an orange, and a dollar. Difference: one dollar. No matter how many times that dollar changes hands, there's still only one dollar that wasn't there before.This is a huge fallacy that the BSA an IDC refuse to acknowledge. When I discussed it with them in May, they insisted that they only wanted to talk about piracy rates, not the loss number. I wonder why...
Yet in IPI-land, when a movie studio makes $10 selling a DVD to a Canadian, and then gives $7 to the company that manufactured the DVD and $2 to the guy who shipped it to Canada, society has benefited by $10+$7+$2=$19. Yet some simple math shows that this is nonsense: the studio is $1 richer, the trucker is $2, and the manufacturer is $7. Shockingly enough, that adds up to $10. What each participant cares about is his profits, not his revenues.
- Next, if they're going to count ripple effects in one direction, it's only fair to also count them in the other direction. That is, they complain that:
Lost revenue to technology companies also puts a strain on their ability to invest in new jobs and new technologies. For example, the $11.4 billion in piracy losses to software vendors and service providers in the eight states would have been enough to fund more than 54,000 tech industry jobs.But what they don't acknowledge is the ripple effects in the other direction. That is, if (going by their assumption, remember) every company that uses an unauthorized copy of software had to pay for it, that would represent $11.4 billion in money that all of those other companies could not use to fund jobs at those companies. What about all of those jobs?
- The BSA/IDC stat on lost tax revenue also miscounts on the point above, since it includes the lost income tax revenue from those 54,000 lost jobs, but does not count the equivalent income tax revenue from those other jobs. In fact, in the fine print, the report notes:
"Employment losses are calculated from revenue losses, and only apply to employment in the IT industry, not IT professionals in end-user organizations. Tax revenue losses are calculated from revenue losses (VAT and corporate income tax) and employment losses (income and social taxes)."In other words, the income tax losses only count one side of the equation and totally ignore the lost income tax revenue from the lost jobs on the other side of the equation. Oops.
- It seems likely that the eventual tax benefits of the unauthorized use of software is most likely to greatly outweigh the lost tax revenue elsewhere. That's because the use of software within industries is a productivity tool that increases overall productivity and output, which would increase taxes beyond just the income taxes of the employees. The study, of course, ignores this point.
- Worst of all, the report seems to assume that direct software sales are the only business model for the software industry, ignoring plenty of evidence from companies that have adopted business models that embrace free software -- generating billions of dollars for the economy (and in taxes). And that's what this really comes down to. It's a business model issue. If others started adopting these business models as well, there wouldn't be any "losses" at all.
Most of these points have been made to the BSA and IDC in the past, and both organizations chose not to address them. The fact that they're continuing to use these obviously false numbers and methodology to now push for the government to prop up an obsolete business model should be seen as troubling not just for the dishonesty of it, but for the negative impact it will have on the software industry and our economy as a whole.
Filed Under: bogus stats, bsa, misleading stats, piracy, ripple effects, taxes
Companies: bsa, idc


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Watch Drama Video Serial Mere Sai
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Philadelphia Eagles cornerback Dominique Rodgers-Cromartie still believes in the dream, even after Sunday's 31-6 blowout loss to the Washington Redskins.
Relive every game this season online and on-demand with enhanced viewing features, including the "All-22" coaches film. Get NFL Game Rewind.
"Nobody has lined up and just beat us. No, it's just mental mistakes," Rodgers-Cromartie said, according to Zach Berman of the Philadelphia Inquirer.
We're not sure what that even means. It's not like the other teams are "tricking" the Eagles. DRC keeps saying the Eagles are more talented than any team in the NFL.
So what's that say about the coaching staff?Follow Gregg Rosenthal on Twitter @greggrosenthal.


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Event box
Writing Center (by appointment only)
Please schedule an appointment at https://www.duq.edu/academics/resources-and-technology/writing-center
At the Writing Center we can…
- Answer questions about your writing.
- Give you feedback on a writing project.
- Help you learn to be a better writer.
- Help you improve how you teach writing.
The Writing Center provides writing instruction and support for undergraduates, graduate students, staff, and faculty. We provide:
- One-on-one assistance for academic papers, professional applications, résumés, Web sites, presentations, and other projects.
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