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Little do these people know…these banks do not care one bit! They surely didn't care to help the owners when they had it. Only until the complaints pour in do they attempt "Damage control"!
Come here and voice your anger! … Everyone mentioned sure does stop here daily.
New Legal Push For Foreclosure Victims: CITYLIMITS
Tenants have a message for the bank that holds mortgages on 10 Bronx buildings that have gone into foreclosure and disrepair: You own it, you fix it.
Thursday, Apr 22, 2010
Tenants at 3018 Heath Avenue and nine other buildings in the The Bronx have had enough. After living for years with roaches, rats, sagging ceilings, broken plumbing and long stretches without heat or hot water, they are demanding the bank that owns their buildings make repairs. The city's Department of Housing Preservation and Development lists 756 immediately hazardous C violations against the 10 buildings.
"When you live in a place with no heat or hot water, with bugs, with ceilings falling down, with mold, that's called a hole. People should live in a home," said Yorman Nunez, a board member of the NorthWest Bronx Community and Clergy Coalition, which helped organize the tenants. "Wells Fargo is just letting this happen."
Wells Fargo, and its special servicer LNR Partners Inc., control the trust that holds the mortgage on the buildings. 3018 Heath Ave. and nine other buildings, formerly owned by private equity backed investor Milbank Real Estate, went into foreclosure in March 2009. Since then, tenants have been unable to get repairs, and uncertain who is in charge. So on Wednesday Legal Services NYC filed a motion in the ongoing foreclosure proceeding, begging the judge to make the bank take care of the building and its tenants while the foreclosure process continues.
The tenants position was neatly summed up in a hand-lettered sign that read: "You lend it, you mend it."
Elected officials underscored the point.
"The lender is now the owner. They have a responsibility to maintain these buildings," said Bronx Borough President Ruben Diaz Jr. "If Milbank couldn't pay their mortgage, the lender, which is now the landlord, has to step up to the plate."
In addition to Diaz, tenants were joined by City Council Speaker Christine Quinn, City Councilmember Fernando Cabrera and representatives from U.S. Rep. Jose Serrano's office.
Stepping into a foreclosure case to seek relief for tenants is a new legal strategy, said Ed Josephson, housing coordinator for Legal Services NYC. He is one of the attorney's working on the case. The idea is to go straight to the bank that gave the mortgage–or bought it via a mortgage-backed security–to push for repairs.
"We know what will happen when we get into court," he said. "Everybody is going to say that they don't have any responsibility. They structure things on purpose to avoid liability. But the point is there will be a lot of pressure on all these banks to fork of the money because they created this disaster."
The Milbank properties are only a handful of the hundreds of rental buildings in the five boroughs that housing experts say are teetering near fiscal collapse. Bought in the heady days of the real estate boom for far more than their rents could support, and leveraged with sky-high mortgages, the buildings are going into foreclosure. Tenants, meanwhile, are left in a lurch. The Urban Homesteading Assistance Board, which has been working on issues of over-leveraged buildings since 2006, released a seven-page list of buildings it said are at risk of default.
Quinn said she knows the Milbank buildings are not isolated disasters. "We are working closely through the distressed property taskforce and we will look at other buildings where this type of lawsuit makes sense," she said.
A hearing on the motion is scheduled for May 10 in Bronx Supreme Court.
LNR Partners declined, through a spokesperson, to comment.
Filed under: foreclosure, wells fargo | Tagged: citaations, dinsfla, din_sfla, foreclosure, LNR Partners inc, milbank real estate, NWBCCC, tenant, the bronx, Urban Homesteading Assistance Board, wells fargo | 1 Comment »


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Two Bluffton men were arrested for their involvement in the theft of a golf cart from the Pinecrest Golf Course.
A witness on Saturday provided a description of an unknown male observed driving the cart-keys left in the ignition-off the property. A day later officers traced the stolen cart to10 Shults Road in Bluffton and returned it to the course.
Investigators pinned the theft to 29-year-old Daniel Antonio Mervin, who they say was the person who drove the cart from the Pinecrest Clubhouse toShults Road, where the second suspect, 20-year-old Jeffrey Black, attempted to conceal it with a tarp.
Mervin, currently being held in the Beaufort County Detention Center, was arrested for grand larceny. He is awaiting a bond hearing. Black was arrested for possession of stolen property and has since been released from the Beaufort County Detention Center on bond.

subset: commoncrawl


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Difference Makers brauchte ein neues Website Design und hat einen Wettbewerb auf 99designs gestartet.
Aus 95 Designs von 15 Designern wurde eine Gewinner gewählt.
Difference Makers International
WE NEED YOUR HELP & EXPERTISE TO DESIGN OUR NEW WEBSITE! Your design will touch millions of people globally. Our goal is to positively impact 300 million people by 2020 with our message, through this website, with your design! Your website may also be featured on Oprah, Ellen, Good Morning America, 2014 Olympics and more!
Difference Makers International is a nonprofit educational organization 501(c)(3) founded in 1983 dedicated to Giving Kids a Voice for Change via our nationally recognized Blue Ribbon Recognition Program which has already impacted over 30 million people worldwide. Founder, Helice Bridges, is a recipient of the 2005 Gandhi Non-Violence and 2009 Women Changing the World Awards, a Chicken Soup for the Soul contributing author, amongst other accolades for her work with kids.
Our vision is that all people feel appreciated, respected, loved, are valued for their unique talents and empowered to reach their true potential.
OUR MISSION STATEMENT: Difference Makers International introduces a new world platform uniting kids and adults to bring out the goodness and greatness in all people—one person…one community…one country at a time. We provide unprecedented hands-on opportunities for people of all ages to weave the vital life skill of acknowledgment into every fiber of our society. We are committed to providing on-going support to sustain positive social change for this generation and all generations to come.
Your design will touch millions of people globally. Kids, organizations, businesses and adults come to our site to find out about our Program and/or Organization, contact us for speaking/training opportunities, order Blue Ribbon materials, donate to our cause and/or share their feedback on their own Blue Ribbon experience via blogs and videos.
Current Home Pages is at http://www.blueribbons.org (Totally needs a new look and be much simpler!)
Redesign Home Page completely and create Secondary page layout using existing logo and color scheme (Blue & Gold). Deliver Photoshop PSD files and all graphic images and assets to build the page.
"Giving Kids a Voice for Change" AND "Who I Am Makes A Difference"
YOU MUST GO TO http://www.take5moment.com/test/blu…/brief.pdf FOR FURTHER DETAILS AND REQUIREMENTS !
Final deliverable of the website site design must include the Graphic design in a PSD file format, all graphical images, and other assets.
OPTIONAL: If you are able to provide a "documented CSS HTML file" too as the final deliverable along with the PSD file, this will be extremely beneficial to us and to you as a contestant, so let me know when submitting your design!!


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The promise inscribed on the Statue of Liberty — "send these, the homeless, tempest-tossed, to me" — is the promise of hope that America makes to those who come to our shores seeking refuge from violence, poverty and natural disasters. True to that promise, in 1990, Congress created Temporary Protected Status, which has allowed roughly 437,000 refugees from 10 countries to live and work here legally, until their home countries are prepared to take them back.
In most cases, those countries are simply not ready. Even where the initial impetus for TPS has long passed, other woes, like economic downturns, political upheavals or gang violence, make it inhumane to send people back.
But that hasn't stopped the Trump administration. Although candidate Donald Trump campaigned against illegal immigration in 2016, as president, he has taken aim at people who immigrated here legally, like TPS and DACA — Deferred Action for Childhood Arrivals — recipients.
The expiration of each country's TPS designation will do little more than turn a large swath of documented immigrants into undocumented immigrants, who will have to abandon their mortgages, take off-the-books jobs, and in other ways be limited to an underground economy. They will be barred from contributing to their communities as they have done for 17 years — as taxpayers, parents and neighbors.
There's nothing local officials can do about the way the federal government is handling TPS. But if they don't do something, the county will face a range of problems: zombie houses created by the deportations of homeowners, which could attract criminals; the removal of over $700 million from the local economy; the erosion of communication between immigrant communities and law enforcement.
We urge officials, especially County Executive Laura Curran, Police Commissioner Patrick Ryder and County Sheriff Vera Flood, to take steps to act as a buffer against this federal intrusion into our communities by declaring Nassau County a sanctuary county.
"Sanctuary" has become a buzzword, and the term has been demonized by its opponents. But in reality, it's simply an acknowledgement that sometimes the federal government's interests don't align with local interests, and in those cases, local authorities shouldn't have to subvert their own priorities simply because the feds demand it.
Forcing TPS recipients underground could do great damage to public safety. We've heard from Nassau County District Attorney Madeline Singas's office and from police officials that without the trust of immigrants, law enforcement loses a valuable tool for fighting domestic abusers and violent gangs like MS-13. These gangs prey on and recruit vulnerable youth in the immigrant community, and if otherwise concerned parents are too worried about being deported to talk to police, that will make it that much harder for the authorities to deport the criminals who pose a real threat to our county.
It's the job of local law enforcement to protect us from such threats, and if that means publicly reassuring undocumented people — or in the case of TPS recipients, soon-to-be de-documented people — that they needn't worry about showing up in an Immigration and Customs Enforcement database, then that's what the police should do.
If the county were to take these steps, it would fall to Curran to sell the move politically. She has repeatedly stated that she does not believe that declaring the county a sanctuary is the right approach. However, we suspect that she's trying to distance herself from a vicious and racist campaign mailer sent out by her opponent last fall that accused her of being soft on gangs. If we're right, it means that good policy has been usurped by dog-whistle politics. The decisions of elected leaders must be dictated by their consciences, not the lowbrow tactics of their opponents.
We urge Curran to be courageous. She should work to persuade the public that sanctuary is a public safety measure, and that ICE's aggressive actions are aiding and abetting MS-13 by keeping local informants too afraid to speak up. If she can set an example to the county by embracing our neighbors of 17 years as just that — our neighbors, worthy of our protection — we can focus on eradicating the criminals that plague their neighborhoods.


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They'rrre grrreat !
A white tiger jumps a barrier during a performance of the Loomis Brothers Circus
at Simmons Equestrian Center in Negley Saturday. Attendees were entertained with
tigers, elephants and poodles, as well as jugglers, high wire artists and clowns in
one of the last traditional circuses in America. The circus, in its 20th year, plans to
return to Simmons next year for more performances. Morning Journal/Patti Schaeffer


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Hi slavelle. Welcome to the forum.
Your interviewer will want to know what you can do, so it would be inappropriate for us to make any suggestions.
However, I don't think it does any harm to say that you don't need to worry.
Good luck with your interview, and with the course, if you are accepted and decide to go ahead.
English Teacher


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If you find yourself suddenly feeling like the theater walls are closing in, that the air is thick and dense with the breath of strangers, and you have an uncontrollable urge to race to the bathroom to splash some water on your face in a "the-motion-sensor-faucets-better-be-working" panic, chances are, you have just seen "Contagion."
Directed by Steven Soderbergh and featuring a cast laden with bold print talent, including Matt Damon, Laurence Fishburne and Kate Winslet, hold onto your SARS mask because this isn't your mama's "Outbreak."
Despite a (slightly misleading) ad campaign that would have you believe it could be a run-of-the-mill thriller about a disease run rampant, "Contagion" is actually thoughtful, subtle and harrowing; a tale as much about the unraveling of society in the face of tragedy and terror as it is about the spread of a silent, unseen killer.
U.S. & World
Beginning in an airport, a well known Petri dish of disease and infection, with the title card Day 2, the film follows several storylines that range from the inner workings of the CDC to a father desperate to keep his family healthy, as a deadly virus spread around the world. As time marches forward, into days and months, and the death toll rises without a cure or vaccine, the president is moved underground, military checkpoints are one of the last safeguards against total anarchy, and death becomes a looming secondary character that permeates each scene.
Even with a few un-investable story lines and the disappearance of a few characters for long chunks at a time, Contagion is a return to fine form for Soderbergh who's been off his game for most of the last decade, having seemingly lost his creative mojo after "Ocean's 11." Equal measures heart-breaking and pulse-quickening, the director's impressive assemblage of talent—most notably Winslet and Jennifer Ehle who plays a level-headed scientist methodically working on a cure—fall prey to the "Towering Inferno"/"Hurt Locker" school of filmmaking where no one's safe, which makes for terrifying and exhilarating viewing.
A film that burrows its way into your psyche like an ear wig that hatches a colony of neuroses, you'll soon be counting the number of times you touch your face, find yourself glaring at an un-pressed elevator button with the fiery hatred of a thousand suns and opening doors with your sleeve in perpetuity.
Now, if you'll excuse us, we need to go snort a line of Emergen-C and buy stock in Purell.


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Delete All The Data
About Teodora Guererra
Teodora Guererra's artistic vision has evolved through the years, which she has spent painting and teaching in Fairfield County, Connecticut, Tucson, Arizona, and Upstate New York. Arizona's naturally radiant landscape and arid climate led her to experiment with rich under-painting and vivid colors, while the shifting seasons of the East Coast inspired her to pursue new application techniques like dripping and staining. Her focus has always been pushing the limits through experimentation with new materials.
Guererra received her undergraduate and graduate art degrees from Southern Connecticut University, The College of Saint Rose, and Skidmore College. Her paintings can be found in public and private collections across the U.S., including the Allmen Health and Wellness Center for Women in New York, SUNY Brockport, NY, and William & Sonoma, San Francisco, CA. She draws influence from artists like Pat Steir, John McCracken, Helen Frankenthaler, Donald Jud, Bernar Venet, Agnes Martin, and Brian Rutenberg.
"Sometimes people ask me where I've been, and I smile and say I've been traveling, which sometimes is true, but often I've been in my studio. I feel like I am addicted to my art; I can't stop thinking about the painting I am working on or the next one I want to start. I think my work is often a series of continuous failures until I can work it out, but when everything comes together, it's heaven.
Painting can be tormenting and sublime at the same time. I'm a big risk taker, constantly experimenting with new and different materials to layer, stain and saturate color on large surfaces. My most successful work achieves a sense of fluid movement with saturated color, that is complex yet minimalistic. The end result should be a painting that glides us across the canvas like a symphony, drowning out all the everyday noise in which we live."


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Sacred Techs Interviews Our Own Darin Allen
Remember the old commercial for Life cereal? Two boys are sitting at the breakfast table discussing this new cereal their mom says is "good for them." Not sure what to make of that, they go back and forth urging each other to be the first to try it. Then they hit on a brilliant way forward. They'll give it to Mikey, their finicky little brother, and see if he likes it. When Mikey enthusiastically digs in, the two older boys want some too.
At the recent annual meeting of the Society of Biblical Literature, I was talking with another member of the Accordance team when Christian Brady, a professor, long-time Accordance user, and author of the popular Targuman blog, came up to us and asked who would be the best person to interview for his new Sacred Techs podcast. My colleague and I looked at each other about like those two boys in the Life commercial: neither of us wanted the pressure of an impromptu interview, so we cast about for a suitable Mikey. Then it hit us: Darin! He's our new Director of Marketing—let's get him to do it.
Darin was just finishing a demo when we called him over, introduced him to Dr. Brady, and told him that Dr. Brady wanted to interview him. I don't think we managed to tell Darin that this was for a podcast, so I'm not sure he realized that he was about to be recorded live.
In spite of getting put on the spot like that, Darin handled the interview like a pro. I just got done listening to it, and the guy is downright smooth! You can listen to the Sacred Techs podcast, which also includes an interview with the guys from Olive Tree Bible Software, here. Be sure to check it out, and if you think Darin did well in a pinch, be sure to let him know in the comments on this post.


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Not so 'Joyful': Parton, Latifah miss the note
Joyful Noise is an ungainly assembly of parts that don't fit, and the strange thing is that it makes no particular effort to please its target audience, which would seem to be lovers of gospel choirs. There's a scene toward the end at a national gospel music competition that features a real gospel choir, and compared to them our team seems like a hasty gathering of unmatched character types. These are people we don't believe, with dialogue that sounds contrived and unconvincing.
The place: a small Georgia town, deep in poverty. The characters: the Pacashau Sacred Divinity Choir. The occasion: Just as the choir leader dies of a heart attack, the annual gospel choir competition is approaching. Two strong women are in competition for the job of choir director. Vi Rose Hill (Queen Latifah) and G.G. Sparrow (Dolly Parton). Pastor Dale (Courtney B. Vance) gives Vi Rose the position, although G.G. is the widow of the former director and believes she should have inherited the honor. Full review.Read more on: movie review


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Bethany Hamilton Suffers Arm Injury in Surfing Wipeout; Family Concerned
Shark attack survivor and pro surfer Bethany Hamilton suffered a sliced bicep in a surfing accident in Indonesia Wednesday, requiring 10 stitches and causing concern about apparent numbness in her arm.
Hamilton lost her left arm from a shark bite while surfing on Kauia's North Shore on October 31, 2003. This week's incident happened during a 10-day surf trip in the area of Mentawai and sponsored by Rip Curl.
Yesterday, family members posted an online letter (by way of an e-mail website app) that asked for urgent prayer as Hamilton was on her way home, stopping in Singapore to be examined by a doctor.
The family reported in the letter: "On a wipeout her surfboard fin sliced her bicep, she got 10 stitches, but now has some numbness in her arm which is a bit concerning."
The family states in the letter that they have made appointments with physicians in Hawaii as well, "whom she will see immediately when she gets home." The letter continues: "We talked to Dr. Rovinsky (Bethany's surgeon after she lost her arm) here on Kauai and he said it's likely that she cut a nerve during the incident, she may have to have surgery to repair it."
Hamilton posted on her Twitter account earlier on Saturday: "Im coming home, I'm coming home!!!! Let the 40hour journey begin(: I'm ok, healing going fine."
On Wednesday, Hamilton tweeted: "Had a really bad wipe out got ten stitches in my arm, out of the water for a week. Awake at 3:52am. Stuck on a boat. #homesick."
Hamilton is considered one of the top female surfers in the world. Her account of the 2003 shark attack and recovery was detailed in her autobiography "Soul Surfer." The book was made into a movie bearing the same title. She is well-known in the Christian community for her outreach work and sharing her faith freely.
In a recent "I Am Second" video, she says, "Being out there in the ocean, God's creation, it's like a gift He has given us to enjoy."
Hamilton has more than 141,000 fans on her Facebook page, many of which are posting well-wishes on her wall since the accident in Indonesia.


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John Thain was all set to begin work on a new Rita's Water Ice franchise at Chestnut Hill Plaza, 7630 Germantown Ave., the former location of TLA Video.
He had received approval from the Chestnut Hill Community Association, the nearby neighbors of the plaza and had even agreed to a detailed covenant with the CHCA to be sure that litter was dutifully swept from the plaza's lot.
But on Dec. 19, Thain said he received a letter from the Trolley Car Diner informing him that the business' owners planned to enforce a deed restriction for the property that had been established many years ago to prevent a fast-food franchise from opening in the property.
That covenant was struck between the plaza's owners and neighbors and contains language that gives any neighbor within 750 feet of the property the right to object to the opening of a fast-food franchise.
"This covenant was written to the benefit of home owners, "Thain said in an interview with the Local. "It was so they wouldn't have to endure smell or noise. It's not for the benefit of a commercial enterprise, certainly not one in Mt. Airy."
Thain said he had agreed to go into arbitration with the Trolley Car Diner but that he is running out of time. If he's not able to open in time to start the season in April, the business won't be able to stay open at all. It's the nature of a seasonal business.
"At a certain point, if we don't open by a certain date, we won't be able to open at all," Thain said, "The landlord has a right to get a tenant in there. "
Ken Weinstein, owner of the Trolley Car Diner, denied that pursuing the deed restriction was anticompetitive. He said he believed the CHCA should have enforced the deed restriction.
"We're doing the neighbors and the landlord a favor," he said. "If they won't enforce the deed restriction, we will."
Weinstein said he had received numerous calls from residents who didn't want to see a Rita's in the neighborhood.
"We really don't need another chain coming here and sucking up local dollars," he said.
Asked if there was any possibility he might reach an agreement with Thain and Rita's, Weinstein said that if they could show it wasn't indeed a fast-food establishment – meaning the deed restriction would not apply – he'd be fine with it.
Thain believes, however, that Weinstein's strategy is simply to delay Rita's long enough for it to fail. He said the establishment is clearly not fast food – it is defined differently by insurance providers and the city health department as "frozen desert," a category of business with different risks and health standards than fast food.
"We have a dark building, that'll be putting medical facilities in there," Thain said. "We're bringing in a clean family operation that brings 300 to 400 families a day. We're being blocked. Any logical person knows Rita's isn't just another fast-food restaurant."
Weinstein said he was surprised that Thain had spoken to the Local. He had, before the Local called, assumed that arbitration was working.
"We had a good meeting and I was waiting to hear more," Weinstein said.
"I know I tried to be a good citizen," Thain said. "It's finally gotten to the point where if we can't deal with it with our lawyers, lets get it out there to the point of public opinion,"
"Everybody wanted a clean business to come here and bring people in here every day" Thain said. "I was just shocked that another business has tried to block us. Between Weavers Way and this, it seems as if Mt. Airy is trying to tell Chestnut Hill how to run their businesses."


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If you leave a message on my talk page, I will respond here.
If I leave you a message on your talk page, please respond there.
Remember to post in the conversation, not at the bottom of the page, and please indent your posts properly.
|I am a Bureaucrat on this wiki.
Ask me if you have any problems or suggestions, or if you spot anything bad
|Archive 1
Userbox font-family
How to change the font on userboxes from arial to times new roman? thank you. Lyrixn 08:59, August 13, 2011 (UTC)
[font face="Times New Roman"]Text you want to change[/font], replacing the [ ] with < >.
- Like so. McJeff (talk this way)/(stalk this way) 12:16, August 13, 2011 (UTC)
I have restored some of the images I uploaded and attached licenses. Mind if I do the same for other useful, but unlicensed, images from other users? 涼宮ハルヒ(Suzumiya Haruhi) 18:35, August 13, 2011 (UTC)
- Go right ahead. McJeff (talk this way)/(stalk this way) 12:39, August 14, 2011 (UTC)
Blocking the Vandals
Hi McJeff, it's Ilan xd, can you block User:Moe100.3, he vandaled in many characters pages and wrote wrong information about their age and status. Ilan xd 16:11, August 17, 2011 (UTC)
Hey McJeff why are you deleting all the trivia? Ilan xd 15:15, August 18, 2011 (UTC)
- Because it's the rules.
- Besides, about half of the trivia that people post should go in the actual articles not just stuck on a trivia list at the bottom of the page, and the other half of the trivia is useless crap about as trivial as the sky being blue.
- Trivia lists are just ugly sloppy useless natter magnets. McJeff (talk this way)/(stalk this way) 15:18, August 18, 2011 (UTC)
- So put that information in the actual article? Ilan xd 15:24, August 18, 2011 (UTC)
- Yes. McJeff (talk this way)/(stalk this way) 15:24, August 18, 2011 (UTC)
- What if the trivia has been changed to Notes? will it be appropriate then? because some trivial facts are useless indeed like it says in the policy you mentionedUchiha.Sasuke.B 23:04, August 21, 2011 (UTC)
User rights
Hi Jeff, I accidentally removed my Bureaucrat rights, I removed the admin rights to see if it would say Bureaucrat next to my name in the new profile design, could you please give me them back, thanks :). Tom Talk 18:27, August 18, 2011 (UTC)
The guy has been harassing me for a few days. Should I block him? 涼宮ハルヒ(Suzumiya Haruhi) 05:12, August 19, 2011 (UTC)
- Me harassing? I was telling 'em some truths it's not my fault that they wanna play the "H Card" just 'cause they wanna be little me 'bout stuff I knew, they started it, block 'em if it's gotta be someone getting blocked init? —Preceding unsigned comment added by Gregallz5 (talk • contribs) Please remember to sign your talk page messages with ~~~~.
- I wouldn't say Greg is harassing you, Haruhi, so much as he's very poorly arguing his case by means of the "You're a foreigner and I'm not" fallacy. Unfortunately, I'm not qualified to know which one of you is right since I'm an American and not familiar with the US scene. Haruhi I suggest you just ignore him for the time being, I've warned him about civility. As for the content dispute Dan hasn't been active on the Wiki for a while, but I still talk to him on AIM so I'll ask him to weigh in if he gets a chance. McJeff (talk this way)/(stalk this way) 12:36, August 19, 2011 (UTC)
Hi Jeff, what do you think about making some of the users patrollers and giving them Rollback rights? We currently don't have any and I think we could do with some. Tom Talk 13:10, August 19, 2011 (UTC)
- Sounds alright to me, there's quite a few users who I think would make good patrollers. McJeff (talk this way)/(stalk this way) 18:50, August 19, 2011 (UTC)
- I'm alright with whichever way you'd rather do it. McJeff (talk this way)/(stalk this way) 21:52, August 19, 2011 (UTC)
Will that block prevent him from creating and using other accounts? Tom Talk 16:53, August 24, 2011 (UTC)
- It usually helps a lot, although not completely. People determined to be serial vandals are usually obsessive enough that even if you range block them they'll keep trying to get around it, but it makes it much harder for them. Over on Bully Wiki Dan and I have a chronically determined vandal we call the "Girl Lover Vandal" (because he only edits the articles about the girls) that was what made me decide to learn how to rangeblock in the first place. McJeff (talk this way)/(stalk this way) 16:58, August 24, 2011 (UTC)
- I hope he gets taken care of FOR GOOD! Everytime I look at him, I just get sick to my stomach. -Bunny J. Dying to talk to me? 17:01, August 24, 2011 (UTC)
- Yeah I totally know how you feel. Depends on the vandal, some actually amuse me (I get a real laugh whenever they accuse me of being gay), but some just bore me and some are real irritating.
- Hattip, though - don't ever let a vandal see that they're making you angry. That's why they're vandalizing in the first place. McJeff (talk this way)/(stalk this way) 17:14, August 24, 2011 (UTC)
- Why would someone call people gay? That's not even clever. Yeah, you're right, I shouldn't let them see that I'm angry. But, I'm just getting so damn sick of it. -Bunny J. Dying to talk to me? 17:21, August 24, 2011 (UTC)
- Hey McJeff. Why Sulfur blocked Gangbanger. -- Ilan xd 19:41, August 24, 2011 (UTC)
- Because I asked for a checkuser to find out who was behind the Ku Klux Clan vandal accounts. Sulfur ran it and it was Gangbanger.
- As for the gay thing, when I was in middle school I thought calling things that I didn't like 'gay' was the height of comedy... maybe it's an age/maturity thing. McJeff (talk this way)/(stalk this way) 21:05, August 24, 2011 (UTC)
- What a twist! Makes sense, though. He does write like the KKK user. He must have set-up that fight with Ku Klux Klan to make us think it wasn't him. I'm getting total Scooby-Doo moment right now. :) -Bunny J. Dying to talk to me? 21:13, August 24, 2011 (UTC)
- Hey McJeff. Why Sulfur blocked Gangbanger. -- Ilan xd 19:41, August 24, 2011 (UTC)
- Why would someone call people gay? That's not even clever. Yeah, you're right, I shouldn't let them see that I'm angry. But, I'm just getting so damn sick of it. -Bunny J. Dying to talk to me? 17:21, August 24, 2011 (UTC)
- Hattip, though - don't ever let a vandal see that they're making you angry. That's why they're vandalizing in the first place. McJeff (talk this way)/(stalk this way) 17:14, August 24, 2011 (UTC)
The reason he knows that is because of the new wiki profile set-up. You can add your real name and it adds a section that says "aka [Name filled in]" Example; "aka John." Take a look at the profile, you'll see it too. -Bunny J. Dying to talk to me? 02:28, August 27, 2011 (UTC)
- I can't see any of that because I edit from the Monobook skin not New Wikia Look, but thanks for the info. McJeff (talk this way)/(stalk this way) 03:23, August 27, 2011 (UTC)
- M'kay. -Bunny J. Dying to talk to me? 03:24, August 27, 2011 (UTC)
I don't angry at you Jeff, I just didn't knew that he is that KKK user, things are realy crazy in this wiki, last days.
I'm not that KKK, just think: I am a Jewish and an Israeli, how can I be this man. He wrote on his wiki skin, "aka Mike" -- Ilan xd 12:50, August 27, 2011 (UTC)
I've sent a request to Rockstar and I should have confirmation of Bulgarin's forename in the next few days. Tom Talk 16:11, August 27, 2011 (UTC)
I was watching
(had it on in the background to be honest) Eggheads on BBC2 and one of the question was about the song "D.I.V.O.R.C.E." by Billy Connelley, I was wondering would the mission D.I.V.O.R.C.E. had got it's name from that song as it was released round about the time Vice City Stories was set?MariaJaydHickment 18:32, August 31, 2011 (UTC)
Firstly, me and Bunny can have conversations however we want, don't try and put them on one page because neither of us want that, me, along with most users, don't talk on talk pages the way you do, we like to get the pop up so we know we have a new message.
If you write shit about the other Staff on your userpage I'm going to remove it, just like you'd do to any other user. And since you made your talk page a redirect to your userpage, I couldn't contact you, I don't like to talk about GTA Wiki problems on other wiki's, it should stay on this wiki. Honestly WikisEditor would say anything to get more Staff, he requested that pretty much every admin he could find apply as a sysop on the GTA Wiki, and I was the first. You are too strict, nobody actually cares about the copyright laws, if Take-Two or anyone else finds out and they decide to be as strict as you, they'll just ask us to get rid of whatever they want us to, they understand that fan sites are a good thing for them so I don't think they would care. I don't recall asking for a vote, if I did I know thats not the right thing to do in this situation. Oh, so after deleting 100 images or so you decided to do what you should have been doing already? I didn't know that, you really should have been doing it all along though, it would have saved me a bit of hassle.
You don't seem to appreciate all I have done for this Wiki, when WikisEditor took over all he was doing was copying pages from the Grand Theft Wiki, I was the one who deleted all the fan fiction and vandalism that had accumulated in the 6 months that the GTA Wiki had no Staff, frankly there was a lot and it took me along time to get this Wiki back to how it was before, then over Staff came in and we started developing the Wiki further, then you came in, which I was fine with as since the whole Seth thing I've have respect for you, well know I don't, you talk shit about Staff members, If you were pissed, fine just say that and it was just a heat of the moment thing, if it wasn't then I don't think the rest of the Staff will be thrilled with you staying around. Tom Talk 10:18, September 1, 2011 (UTC)
The only other thing I'll mention is that after Haruhi Suzumiya pointed out that I was deleting images and not repairing pages with broken image links I started cleaning up after myself, renaming images and adding templates, only deleting inappropriate or useless images. Which, of course, you know, so please don't make inaccurate claims to make me look bad. McJeff (talk this way)/(stalk this way) 04:40, September 1, 2011 (UTC)
I'm sorry If I said anything that you took offense to, I do like you but I think the things you put on your userpage where a bit harsh, your a good Bureaucrat but I think there are better ways of getting your feelings about stuff out. I admit I am too leniant with copyright issues but on the L.A. Noire Wiki Take-Two, the parent company of Rockstar, contacted us about copyright stuff, they said we had to take down some info we'd put up which had been leaked but they were fine with us using any of there images, info, in game content etc. so I don't think there as strict with stuff as you think they'll be, I'll try and follow the copyright rules better in future. Anyway I'd prefer it if we just put this stuff behind us, I hope we can move on :). Tom Talk 14:34, September 1, 2011 (UTC)
Just a quick update, Greg created a sockpuppet, he posed as a woman, I asked Wikia to check it out and they have the same IP. Tom Talk 15:29, September 1, 2011 (UTC)


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RB Dance Company
Founded in 1998, after an intense experience of Christian and Cristina Ledra Beans in New York and Paris, created in 1999 for the World Championships in Verona choreography "BICYCLE 2000" awarded "International Positano Dance Award 2000".
On December 5, made his official debut with the show "RBR SHOW" at the Greek Theatre in Rome in 2000 and is recognized by the Ministry of Heritage and Culture, in December created specifically for the Volkswagen event "SYNCRO" represented the "Motor Show "in Bologna.
In 2002 he was invited by the Olympic Academy of Vicenza for the show "In the Temple of the Two Muses" in honor of Carlo Diano.
In 2003 he created the choreography for Ariston Appliances "SIX ELEMENTS" represented the "Palais du Cinema" in Venice;
The next year presents a new creation for the show "Carmina Burana"; In 2004 she was invited to the convention for the YAMAHA held in Rhodes (Greece). In October is invited to Meda (MI) with the show "CUBIC" in honor Olympic gold Igor Cassina.
Made several tours to the various festivals of Italy and Mexico with the shows "Abyss" (2004) and "OPENSPACE" (2005/06) which has prompted the New Forms debut at the corporate headquarters of Vercelli in July 2005.
In 2006 in co-production with the Teatro Massimo Bellini in Catania, he was commissioned the show entitled "TWO BLUE" with original music of Maestro Vincenzo Spampinato debut on July 5 in Catania.
In 2006 Christian Beans and Cristina Ledra Ballet perform for the show in Milan "RED PASSION" debuting November 18 at the Fondazione Teatro Coccia in Novara.
In 2007 the agency Scotti Bros. Yards Emerald enter the show "OPENSPACE" the most important Italian theaters proved highly popular with audiences and critics.
On May 5, debuted at the Teatro Piccini in Bari with the new show "STATUARY", continuing the tour for the entire 2007/08.
On the occasion of the Ambrosian Carnival 2008 held in Piazza Duomo (Milan) RBR is invited STATUARY with extracts of the show, then attend the fashion show Milan Fashion with a choreography by Antonio Marras air representing the spouses of Chagall.
In June Luciana Savignano Christian Beans to create new choreography by putting them in the show "RED PASSION", debuting on July 30 in Cremona (Midsummer Festival).
On July 30, debuted at RBR T. Romano in Verona with the performance of prose "Pericles, Prince of Tyre" starring Daniele Pecci, directed by Paul Valerio, choreography Christian Beans and Cristina Ledra, Antonio Di Pofi music.
In 2009 he made his debut with the new show "SHOWSYSTEM" at the Teatro Nuovo in Verona, while the show "STATUARY" continues the tour in Italy and abroad. Always extracts "STATUARY" February 19 participates in the Fair "BIT" for the Veneto Region, Feb. 21 event at the Ballo del Doge Palazzo Pisani Moretta (VE).
On the occasion of the tenth year of operation, RBR has proposed for the 2010 season the show titled "4" on a journey through the 4 elements touching among others T. New (VR), T. Petruzzelli (BA) T. Colosseum (TO), Politeama Genoa (GE) and April 9 is invited by the ABEO T. Philharmonic of Verona (VR). In the summer of 2010 RBR has DANCECOMPANY throughout Italy with WIN WIN TOUR August 31 and is contacted for the event "Oscar of the Opera" at the Arena of Verona. He is currently working on a new production titled "varietas delectatio", directed by Antonio Giarola which will debut October 9, 2010 to T. Salieri Legnago.
Take part in some television programs including "Night Fairy Tale" by Rai Uno (2001) and performed live on Rai Tre for the presentation of '"88 ° Tour of Italy" with some choreography in the show "BICYCLE 2000" (2005 ).
He received many awards: the "Positano Leonide Massine Prize" awarded by Alberto Testa (2000), "... Naples is Dance Award" (2001), the "Italian Choreography Award" in Salerno Dance Festival (2000), "Hesperia Award" (2003 ) Dancing on the Sea Prize (2007) International Award for Culture King Manfred (2010). In the summer of 2010 RBR has DANCECOMPANY throughout Italy with WIN WIN TOUR August 31 and is contacted for the event "Oscar of the Opera" at the Arena of Verona. On October 9, debuted at T. Salieri Legnago with the new record called "varietas delectatio" homage to Antonio Salieri, a show commissioned by the Opera Festival, directed by Antonio Salieri Giarola choreography Christian Beans and Cristina Ledra.


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One of the problems I face, is trying to convince people to use new security products. They say, "Sure just don't break anything". The problem is I need Guinea pigs to find out what I break. In the case of confining the user, I have a problem. I believe this can be a big security step forward, but how do I get people to use it, if it is not fully tested out? How do I test it out without getting people to use it?
Now I have taken some involuntary test subjects like my wife, and set her up with a confined user account and worked with her to fix problems in xguest. I have also taken the Jonas Salk approach and tested on my self. I have been running as the staff_u user for the entire run of Rawhide since Fedora 8.
So I am now beginning to Beg co-workers to try it out. As people start to install Fedora 9, I want them to try out confined users. The simplest user for an engineer to try is staff_u with a transition to unconfined_t when you become root.
This is how I set this up.
First you need to modify the SELinux user record to allow it to reach the unconfined_r. You also want to allow it to reach the system_r since you might be restarting services which need to run as system_r. The command is a little ugly but follow along
# semanage user -m -R"staff_r unconfined_r system_r" staff_u
This tells the system to modify the staff_u user and allow it to reach the staff_r, unconfined_r and system_r roles.
Now we need to modify the login account to login as the staff_u SELinux user.
We can either change the default, so all users by default will login as the staff_u user.
# semanage login -m -s staff_u __default__
Or we can add a record just for my Linux user "dwalsh"
# semanage login -a -s staff_u -r s0-s0:c0.c1023 dwalsh
Finally I want to setup a sudo to allow me to transition from staff_t to unconfined_t when running commands using sudo.
Add a record like to following using visudo
dwalsh ALL=(ALL) TYPE=unconfined_t ROLE=unconfined_r ALL
Now logout and log back in and you should be running as staff_u:staff_r:staff_t,
Execute "sudo sh" and you should be running as staff_u:unconfined_r:unconfined_t.
One caveat for this environment is currently userhelper apps will not work (system-config-*) when executed from staff_t, But you can run them from the sudo root account.
What does this buy you? While running in staff_t you will not be allowed to run any setuid application that is not confined. So if somehow you were tricked into running a setuid app on your machine to become root, it will fail. You will automatically transition to nsplugin so your firefox will have confinement. The ONLY way to become root/unconfined_t is through sudo, which is a well studied application. If you run attempt to run su, you will be denied.
So do I have any volunteers????
I am fixing a typo in the command above sorry about reposting.
Also if you want to reverse the changes listed above
You could execute
semanage login -d dwalsh
Will remove the record and put dwalsh back to the default.
# semanage login -m -s unconfined_u __default__
Would set the default logins to be unconfined_u (the default)


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By Matt Bogard
Back in 2008 I made a post entitled 'Do Individuals Have a Right to Keep and Bear Arms' where I discussed the reasoning behind the 2nd amendment and how it applies to individual gun ownership. But, given that gun ownership is a fundamental civil right, what impact does it have on crime?
This week Rachel Maddow presented some conflicting evidence on her show (which you can view here)
On the show, she presented the idea that gun owners, or epsecially concealed weapons carriers were engaging in fantasy if they had any thoughts that guns in the hands of law abiding citizens could save lives.
She backed this up by cting some research (Firearms and Violence, A Critical Review) that found the connection between crime rates and gun ownership to be inconclusive. Then she showed the audience a list of states with high gun ownership rates and high crime rates vs. states with low gun ownership and low crime rates - and she seemed to treat it as if that was conclusive evidence.
I'm not sure how she can say 'if we look at all of the evidence, its inconclusive, but here is an unscientific comparison that shows that gun ownership = more crime'
We don't even know what she means by 'crime rates' in the admittedly blunt comparisons she gave. More complicated studies look at various methods for actually measuring and indexing crime-for example see:
Does gun control reduce crime or does crime increase gun control?
Cato Journal, The, Wntr, 2006 by John C. Moorhouse, Brent Wanner
"Using a vector of demographic, economic, and law enforcement control variables, the empirical analysis presented here provides no support for the contention that gun control reduces crime rates. In none of the regressions for the 10 categories of crime rates in 1999 and the 10 for 2001 is the measure of gun control statistically significant. The article tests another hypothesis, namely, that lax gun control laws in neighboring states undermine the effectiveness of state gun laws. It finds no support for this hypothesis. The proxy for neighboring state gun control is never significant in any of the 20 regressions estimated"
I'm getting mixed signals from the video. There is a lot of evidence showing that concealed carry laws and gun ownership do in fact reduce crime, no fantasies. See for yourself. (most of these studies were cited in a working paper The Debate on Right-to-Carry Concealed Weapons Laws
Carlisle E. Moody,Thomas B. Marvell)
Evidence Related to Crime Reduction and Gun Ownership and/or Concealed Carry
The impact of gun laws: A model of crime and self-defense
H.M. Mialon, T. Wiseman / Economics Letters 88 (2005) 170–175
Guns, Crime, and Academics: Some Reflections on the Gun Control Debate
Jeffrey S Parker Journal of Law & Economics, 2001, vol. 44, issue 2, pages 715-23
Does gun control reduce crime or does crime increase gun control?
Cato Journal, The, Wntr, 2006 by John C. Moorhouse, Brent Wanner
J.R. Lott and D.B. Mustard, Crime, deterrence, and right-to-carry concealed handguns. Journal of Legal Studies 26, 1-68 (1997).
The concealed handgun debate. Journal of Legal Studies 27, 221-243 (1998).
W.A. Bartley and M.A. Cohen, The effect of concealed weapons laws--an extreme bound
analysis. Economic Inquiry 36, 258-265 (1998).
S.G. Bronars and J.R. Lott, Criminal deterrence, geographic spillovers, and the right to
carry concealed handguns. American Economic Review 88, 475-479 (1998).
B.L. Benson and B.D. Mast, Privately produced general deterrence. Journal of Law and
Economics 44, 725-746 (2001).
C.E. Moody, Testing for the effects of concealed weapons laws: Specification errors and
robustness. Journal of Law and Economics 44,799-813 (2001).
D.B. Mustard, The impact of gun laws on police deaths. Journal of Law and Economics
44,635-657 (2001).
D.E. Olsen and M.D. Maltz, Right-to-carry concealed weapons laws and homicide in large U.S. counties: the effect on weapons types, victim characteristics, and victim-offender relationships, Journal of Law and Economics 44,747-770 (2001).
F. Plassmann and T. N. Tideman, Does the right to carry concealed handguns deter countable crimes? only a count analysis can say Journal of Law and Economics, 44, pp. 771-798 (2001)
J.R. Lott. More guns, less crime : understanding crime and gun-control laws. Chicago, University of Chicago Press (1998, 2000).
F. Plassmann and J. Whitley, Confirming, 'more guns, less crime.' Stanford Law Review 54, 1313-1369 (2003).
J. R. Lott and W.M. Landis, Multiple victim public shootings, bombings and right-to- carry concealed handgun laws: contrasting private and public law enforcement. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=161637 (1999, 2001) Published as Chapter 6 of J. R. Lott, The bias against guns. Washington, DC, Regnery (2003)


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Potential federal budget cuts facing California
The White House on Sunday released a list of potential hits to California if a budget deal isn't reached by Friday, when automatic cuts kick in. Among the cuts facing California:
Education: Would lose $87.6 million in funding for primary and secondary education, putting about 1,210 teacher and aide jobs at risk. About 320 fewer schools would receive funding. In addition, schools would lose $62.9 million in funds for about 760 special-education teachers and aides. About 9,600 fewer low-income college students would receive financial aid; about 3,690 fewer students would get work-study jobs. About 8,200 children would lose Head Start and Early Head Start services.
Public safety: Would lose about $1.6 million in grants that support law enforcement, courts and anti-crime programs.
Military: About 64,000 civilian Department of Defense employees would be furloughed. Army base operation funding would be cut by $54 million. Air Force operation funding would be cut by $15 million. Maintenance and repair of five Navy ships in San Diego and aircraft depot maintenance in North Island could be canceled
Environment: Would lose about $12.4 million in clean water, air quality and anti-pollution programs. Would lose $1.9 million in grants for fish and wildlife protection.
Job training: Would lose about $3.3 million in funding for job search assistance and placement, cutting services to about 129,770.
Child care: Up to 2,000 disadvantaged children could lose access to child care.
Public health: About $1.1 million in funding for vaccines would be cut, resulting in 15,810 fewer children receiving them. Would lose $2.6 million in funds to help upgrade state's ability to respond to public health threats. Would lose about $12.4 million in grants to prevent and treat substance abuse. State health department would lose $2 million in funding, resulting in 49,300 fewer HIV tests.
Domestic abuse: Would lose up to $795,000 in funds that provide services to victims of domestic violence, resulting in up to 3,000 fewer victims getting those services.
Senior meals: Would lose approximately $5.4 million in funds that provide meals for seniors.
Source: White House


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If Australia win the World Cup and defeat the All Blacks and/or South Africa on the way, i think that'd be enough to prove they most certainly aren't a poor test side.
When Australia have a scrum I'll respect them.
Wouldn't know... The Aussies refuse to engage.
Smarter though, and refs just aren't willing to ping them.
Originally Posted by SupaFreak2005Originally Posted by steds
Mind you, Oz have something of a history in this respect. Baxter & Young nearly conned Watson into giving Oz the last WC. I'm just so pleased we won because (aside from the obvious) it means we can legitimately moan about the piss-poor reffing without it looking like sour grapes.
Cricket Web's current Premier League Tipping Champion
- As featured in The Independent.
"Raab gives the 5pm press conference with the air of a man who strongly suspects theres a chalk penis drawn on his back, but is just going to butch it out by facing forward till the bell goes." - The Guardian's Marina Hyde on the UK's supply prime minister
Quotes from The US Office:
Dwight Schrute: In the wild, there is no health care. In the wild, health care is, "Ow, I hurt my leg. I can't run. A lion eats me and I'm dead." Well, I'm not dead. I'm the lion, you're dead.
Michael Scott: [trying to motivate an employee for the basketball game] You'll be like the dwarf that follows the wizard to the end of the earth in... uh... Lord of the Rings!
Dwight Schrute: Gimli.
Michael Scott: ...NERD. That's why you're not on the team.
Lets be honest - youd struggle to name an average Australian scrum, the current one is an absolute embarrasment!!!
My 2008/09 stats
Games: 10 Innings: 10 Nout Outs: 3 Runs: 489 Average: 69.86 Highest: 154 Fifties: 0 Hundreds: 3
Catches: 7
When the last time Australia had a good scrum though, during the last World Cup the scrum was a joke too and they still won games. If Australia is a poor Rugby team, what does it say about the rest of the sides in World Rugby outside NZ and South Africa. Its not like any of the rest are much better, if at at all.
The man, the mountain, the Mathews. The greatest all rounder since Keith Miller. (Y)
Jaffna Jets CC (Battrick & FTP)
RIP WCC and CW Cricket
Member of the MSC, JMAS and CVAAS
The Future of International Cricket - Rohit Sharma, Suresh Raina, Ravi Bopara, Tim Southee, Ross Taylor, Shahriar Nafees, Raqibul Hasan, Salman Butt, JP Duminy
Proud Supporter of the Bangladeshi Tigers
Ryan ten Doeschate - A Legend in the Making
MSN: email@example.com
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I had the pleasure of chaperoning Julia's first-grade class on their field trip to the Providence Children's Museum (in Rhode Island). The kids had two hours to explore the museum, and Julia's small group started in the water play area.
Wednesday, May 6, 2015
First Grade Field Trip to Providence Children's Museum
Posted by V at 3:06 PM
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About The Dukeman
The methodology for which state's sales tax should be paid by the consumer has always been backwards, even when the explanation is "follow the money". A mail order/internet transaction still occurs the same way as physically going to the store: the transaction occurs when the merchant processes the sale (at THEIR location). So the tax rate should be that for the state where the merchant's transaction processing center is located. The sale ALWAYS occurs at the merchant's location, not the consumer's location. It just doesn't happen until the merchant accepts the money. It matters not what route the money takes to get there.
After reading Mike's article about the Wired Vanish Project, http://techdirt.com/articles/20090909/0111116137.shtml, and the fact that he can only read so much,
I have to say that there is only so much music you can listen to, especially if you read a lot, or are a musician yourself and work on videos and recording. I am disabled and am part of an on-again-of-again group that performs classic rock tunes as a hobby for friends. I follow Mike's comments on the music business with great interest. It's absurd that my group should be required to pay license fees to perform the popular music of yesteryear for anyone in their own home, let alone the local nursing homes and senior centers (yes, they like to rock too) for free. Also, its a double standard, since all popular artists learned their craft by emulating and then innovating on music they have heard. I'm sure they didn't pay license fees to Muddy Waters and the like. And don't get me started on Jazz Improv.
Thanks to Mike pointing out the projects of the above mentioned musicians, I have listened to some of their music. I never would have otherwise. That proves his point that their marketing efforts are needed. In this case, it got enough buzz going that it came to Mike's attention. And by trickle down effect to me. So the actual project only has to generate enough interest to get it mentioned elsewhere. It doesn't have to reach the whole world by itself. Thanks, Mike.
I'm curious what might be a good way for the newspaper companies to become profitable. What do you guys think? My guess is for them to adapt to providing what the consumers want. That is quite a task considering the varied ways in which customers consume the news. While online content seems to rule for many, the print versions are very popular as well.
IMHO the biggest reason the print newspapers are selling much less these days is not that they have been replaced by online versions, but that the price has risen too much. I'm convinced that if your local rag sold for 25 cents daily instead of a dollar, circulation would quadruple at least. I know I would start buying it again at that price. If you could order only your favorite sections and only the specific days you wanted, subscriptions could be much more cost effective. I would subscribe even though I'd still be checking my online news sites several times daily.
Any newspapers out there willing to take on that challenge?
The replacement costs are high as a trickle down effect. Inflation across the board has been fed by the fact that people have had to raise the price of practically everything that could be sold so they can afford to pay their mortgages. This also contributed to the dollar losing strength around the world. The 70% estimate is based on the dollar staying strong in the world market and real estate prices progressing at a more steady rate. The two highest priced items in an average family's budget are mortgage and car payment. Automobile prices are also much higher priced than they should be, but this relates more directly to the trickle down effect of the real estate price glut.
That's exactly how the credit problem escalated. Inflated real estate prices fueled a credit frenzy. As long as the prices were kept inflated, there was plenty of "collateral".
Reminds me of a feedback loop at the last concert I attended. Ouch, my ears!
The false valuation of real estate has been quite a large contribution to this and previous large Wall ST dives. This problem evidenced itself in the late '70s and spread like wildfire. Prior to that era, real estate values, especially private homes, rose at a more stable rate overall, generally not by great leaps and bounds. These inflated values created the need for much more financing, which in turn fueled further inflation which could be sustained by the huge rise in the use of credit. People will always pay more for something if they can borrow for it. A domino effect followed. Of course the dominos must fall at some point. Even now the real estate values will be propped up by the government in an effort to recoup the bailout investment, instead of letting them adjust to the proper price point (in my estimate a drop of 70%). This is exactly what happened with the 80's bailout and is a major contribution to the current situation. A price adjustment such as this won't be popular (will we never learn?), but would provide a much more stable platform for real estate investment. Right now is the perfect time for this price adjustment to occur.
I recently saw on a documentary a financial pundit in France stating that French banks do 75% normal banking, and keep real estate as no more than 25% of their business. As a result, the French banks are in way better shape than the American ones.
After looking at the 1980's S&L bailout, this current mortgage situation could well be fallout from that. Until the early 1980's property values slowly and steadily rose, making real estate a sound investment. By the time the S&L bailout occurred, they were out of control. Since the bailout was in no small part based on hoping these values would gain again after the inevitable slump from the financial institution failures with bad mortgages, they fulfilled their own prophecy by soon escalating the property values again for no other reason than to try to make their money back from buying the toxic assets. When investors saw how much the prices were inflated, and that folks were willing to pay those escalating prices, an investment price spiral ensued.
So in a way, the bailout plan from the S&L debacle directly set up this current situation by causing the property values to be propped up instead of allowing them to devalue to the proper price point and steady the market. Estimates of the S&L bailout plan having a 5-10 year economy impact are in fact false. It continues to this day.
Thinking on Capitol Hill is that the government will make their (our) money back by selling the toxic assets at a later time. But they will inevitably prop up the property values again instead of allowing them to return to the levels that will ensure good growth in the future. The analysts hope that a 5-10% drop in prices will be sufficient. I suggest that they really need to drop 70% to put them back to the growth rate before the S&L bailout and the 5 preceding years.
Now is the best time for that price adjustment so the real estate market can have a bright and steady growth prospect. Otherwise the same thing happens again in 15 years, if the economy doesn't collapse anyway in the next year due to marginalized price adjustments in the real estate market. They should take their medicine now and force the economy heal itself instead of just using a band-aid. Because the real estate prices were so inflated, investment vehicles in all sectors relied on those false values to make their profits. And so goes the self-fulfilling prophecy.
It looks like the video has been pulled from Google. Anyone know somewhere else it might be available?
In my city AT&T has protected telco service areas. So even though I have options on choosing my ISP, they still have to use AT&T's equipment, so AT&T has the ability to control what happens over that equipment. The monopoly is still there. Verizon refuses to provide internet services in AT&T areas. I was told by a Verizon tech that this is because they don't want AT&T tampering with their equipment (again). The cable companies enjoy the same monopolistic protections here.
At first glance the user ID issue seems mighty damning for the defendant. But the fact that she uses this ID on many other sites means that it is much more likely that it could have been stolen and then used by someone wanting to cover their own tracks while performing questionable acts online. Although the combination of the same user name AND the same password might seem to be more conclusive evidence, that would only be true if it's shown that she used this same combination frequently across the web. It certainly wouldn't be conclusive evidence for the same reason. The argument is just as strong whichever way you look at it. "Evidence" may be too strong a word to describe that data.
Until we are allowed to vote NO to the offered politicians on the ballots, we will continue to have this problem. Instead of just a blank box for a yes vote for each candidate, there should be one box for YES and one box for NO, for each candidate. Then the true voice and wishes of the people would be heard. Anybody ever heard of the Rules of Order procedure where all votes YEAH and NAY are counted?
I'm convinced that nobody watches broadcast TV, at least not anywhere near the numbers reported by the Networks. Except, of course, the news and PBS. I think it's just a bunch of made up numbers. I mean, look at what's on those channels: content not really suitable for children of any age. Let alone adults with brains.
Also, "Independent" content ceases to be so when its producers band together into a group. True independent content comes from garages and living rooms, not production companies.
The reason the MLS is trying to oust Redfin is the fact that they are undercutting "Real Estate Agents'" commissions. They charge a much lower flat rate instead of the standard 6% agent's fee. In fact they rebate (except when not allowed to do so by local laws) any amount above their standard fee when paid the 3% from the other party's agent. It makes the agents that charge full price look too greedy. Of course they want them out!
From the consumer's point of view the standard 6% rate hasn't decreased, even though home prices have escalated over the past few years. That's a big pay raise for the agents, with no more services provided. Agents' associations are fervently trying to get Redfin and similar internet based real estate services regulated out of business. Sadly, they may well succeed. It is now up to consumers to make sure their government representatives don't make this happen.
Go Redfin!
When an article like this one appears on this site, it always reminds me about the man who has been suing a women's revenge web site claiming that incorrect and defaming data about him has been posted in a public forum. What gets overlooked in many of these cases is that the web sites generally refuse to identify the members that post these comments, so he cannot sue them. While the part of his suit that holds them liable for the content has been thrown out, he has persisted because the site still refuses to provide the data he needs to sue the person at fault: the user that posted the comments. This issue has been glossed over by many "news discussion" sites in order to get quick discussions going on the 'stupidity' of the man for suing the wrong people.
It is just as absurd that the lyrics sites have been taken down. I'm sure there are many more people singing along with the radio, etc, than the hordes of folks that are playing instruments to these songs. The lyrics sites are as much fair use as are people singing in their cars. Not that the copyright mongers care. Music users unite!
The day hasn't arrived yet that I can take the free video I downloaded from YouTube and exchange it for food to feed my family. When the value of the video I downloaded and the video I uploaded are equal to all parties, then maybe. At this time all the "peers" in this example are not equal and so the value is also not.
Food for though but not for my family. 21st century food still costs 21st century capital.
I just updated the firmware in my Linksys router only to find that in the new version the user name cannot be changed. That's not the worst of it. Too bad. Now I'm reticent to buy any new hardware from them.
I think the way our society handles the patent/business/antitrust issues will probably lead to Corporate Wars like those referred to in the movie Rollerball. It truly is based on greed and that just will not change. The term Corporate Lemmings comes to mind.
Exactly. Just because the ISP shouldn't be forced to reveal your identity for a post does not mean that you should not be liable for your post. You wrote it and posted it, therefore you are responsible for its content. If you reveal your own identity, then kudos to those that bear the brunt of your words if they bring you to justice for posting content that impacts their life.


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Kathryn Bigelow took to the LA Times this morning not to make a case for or against "torture," but to highlight the fact that the movie helps us to remember that it did actually happened.
Torture was, however, as we all know, employed in the early years of the hunt. That doesn't mean it was the key to finding Bin Laden. It means it is a part of the story we couldn't ignore. War, obviously, isn't pretty, and we were not interested in portraying this military action as free of moral consequences.
Some interpretations of Bigelow's film 'Zero Dark Thirty' assert that it endorses the practice of torture and misrepresents the role it played — one might remember a certain captive in the film pleading not to be tortured anymore, then providing key information.
Bigelow does note rightly that in the ongoing analysis of the effectiveness of torture "experts disagree sharply on the facts and particulars of the intelligence hunt, and doubtlessly that debate will continue." The controvertible history of torture has remained a sobering detail of the global war on terror.
Still, Bigelow's letter avoids giving an opinion on the morality of torture. About as close as it gets is to say:
This is an important principle to stand up for, and it bears repeating. For confusing depiction with endorsement is the first step toward chilling any American artist's ability and right to shine a light on dark deeds, especially when those deeds are cloaked in layers of secrecy and government obfuscation.


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by Jacqueline Weiss
Shopping in Chestnut Hill is known for being easy. Walk down one street and you can find almost anything you would ever need. Whether it's clothes, food, decorations for your home or children's toys, you can probably find it in Chestnut Hill.
Since the economic downturn began several years ago, though, Chestnut Hill's reputation has been harmed by retail closures and vacancies. Walk down a block and you will most likely see the all too familiar "For Rent" sign.
Perhaps the largest segment affected by the turnover is clothing. With large businesses like Express, Express Men and Talbots having left Chestnut Hill, many shoppers are wondering whether these vacancies will be adequately filled.
According to Eileen Reilly, the retail recruiter for the Chestnut Hill Business Association, one of her biggest challenges is the size of these vacancies.
"I am a matchmaker," Reilly said, "and I try to find the best placement for these independent new retailers. However, independents can and will not fill 5,000 square feet. I have a pipeline of interested retail with no real match."
While the state of shopping on the Hill remains somewhat uncertain for the time being, Reilly remains focused on bringing Hillers the best possible new retail opportunities and will continue to do so through the retail-recruiting program.
"I have three main areas of focus," she said, "and all will improve the pedestrian shopping experience. First, recruiting great, independent retail to the Avenue. This is a task that requires relationship building and time. I focus on this every day.
"Second, helping the present businesses to remain a magnet for shoppers, particularly the 'freshman class' of retailers that came in with the retail-recruiting program. I am lucky to have gotten to know these retailers quite well and am so vested in their success.
"Finally, I am a marketer by nature, so I have tried to help Chestnut Hill have a louder 'voice' beyond Germantown Ave."
As important as fostering newcomers is to retail on the Avenue, family-run and owned businesses like Chestnut Hill Cheese Shop, Killian's Hardware, Chestnut Hill Camera Shop, Robertson's and are the backbone of the close-knit community feeling that has been fostered in Chestnut Hill over the years. Several longtime independent clothing retailers who deal a lot in clothing are optimistic that this kind of independent spirit can work for them, too.
At stores like Artisans on the Avenue, Mango, Quelque Chose, and El Quetzel – all independent operations – you can find affordable urban clothes, jewelry and home decorations, but you can also find higher-end brands such as Lily Pullitzer, Vineyard Vines and Eliza B.
Lisa Webb Howe, co-owner of Artisan's on the Avenue, said that in the 10 years she has been in business, "The customer has grown to be more discerning."
"We offer more for our customers, such as layaway," Howe said, "and more attention to detail. There is more 'local' for local business, which could prevent big box stores such as Wal-Mart entering."
Howe said she believes Chestnut Hill is a popular shopping destination and will remain that way for a few reasons.
"It's very quaint," Howe said. "We have a lot of history. It's a small close-knit community. There aren't a lot of chain businesses. It's unique that you can walk anywhere and do anything. There is lots happening for such a small town."
Tara Alexander, owner of Mango, said that over the 23 years she has been in business, the biggest change other than moving locations for her has been seeing Chestnut Hill take a major upswing, a turn for the better over the past several months.
What's the Hill's secret?
"Personal service, attention to detail and it's a beautiful city escape," Alexander said.
What Alexander would most like to see happen to kep that upswing going is more to draw in outsiders.
"I'd like to see more specialty events to draw people in and show them what we can offer," she said. "Whether it's clothes, or food, nothing can ruin Chestnut Hill."
Owners like Alexander and Howe are being very proactive in trying to meet customers' needs, offering trendy and current pieces that you can incorporate into your wardrobe.
For instance, at Mango you can find vintage inspired dresses, crochet tops and shrugs, all of which are very in style for summer. At Artisans, you can find something for the kid in you like snap bracelets, which bring back memories of the nineties, and Mighty Wallets, which are tear, water, and stain resistant as well as eco-friendly and seem to be doing extremely well at the store.
While the economic downturn may have caused considerable concern for business owners and the Chestnut Hill Business Association, a Facebook poll of Chestnut Hill teens and young adults revealed that there wasn't a large amount of worry about the status of shopping in Chestnut Hill among their age group.
Many stated that when they're in Chestnut Hill, it's less about shopping and more about socializing, and that they would rather see more unique businesses than chain stores.
One local student said, "Chestnut Hill is fun, but I come here to hang out with friends mostly."
"We don't want any more chain stores," she added. "More stores like what we have now would be nice."
Although the future of shopping on the Hill is difficult to determine, one thing on which people ranging from storeowners, teenagers and those at the Chestnut Hill Business Association can agree is that Chestnut Hill offers something for everyone, and that will certainly never change.
And, according to retail recruiter Reilly, it will soon improve.
Reilly revealed that "there are five leases in negotiation up and down the Avenue."
"Negotiation is not a signed lease," Reilly said. "However, I am very optimistic that most, if not all, will be on the Avenue before the end of the year."
She was also excited to announce a full-time apparel retailer and an exciting three-month boutique "pop-up" for the holidays.
One new store Reilly promised is Closet Boutique of Avalon, which will open for business on the 8400 block of Germantown Avenue this fall.
"Yes," Reilly said, "the ladies of Chestnut Hill and beyond will be able to buy a really great pair of denims."