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Travel blogger Wendy Watta immerses herself in the culture and activities of Kenya's third largest city
"The water playfully laps against the small, wooden boat rocking it rhythmically back and forth as if to the lake's very own sweet tune. The sun smears itself across the evening sky, splashing it in striking orange hues as a fish eagle flutters across my periphery. I am yanked out of my reverie by the fisherman's paddle tapping incessantly against the wood, and as if in response, a hippo's head bobs out of the water and starts inching towards us."
Set in western Kenya on the Winam Gulf of Lake Victoria, the port city of Kisumu is a vibrant melting pot of culture and activities begging to be explored by the open-minded wanderer. Wendy Watta makes some suggestions to get you started…
1 The Kisumu-combo: fish, boat rides & birdwatching
Kisumu's lake setting makes it unsurprisingly synonymous with fish, boat rides and birdwatching. The locals have broken down the art of preparing tilapia (because if you watch how it is handled from the moment a fisherman traps it in his net to the way a chef meticulously plates it up for a patron then it really is an art) to two options: deep or wet fried. The fish is traditionally served with ugali, kachumbari and sukumawiki or some other indigenous vegetable. Take a boat ride and you'll discover the lake's magnificent flora and fauna which your captain will often point out as you gently glide over its fresh waters.
Check it out: Kiboko Bay
Staring out onto the jetty from the outdoor terrace while tucking into the house special of wet fry tilapia is like looking out onto a breathtaking painting whose beauty you can't quite articulate (and not just because of what's going on in your palate). Contributing to the atmosphere are creaking wooden floorboards and red metallic railings lined with lanterns hoisted up on poles on both sides. Add to this the boats that are docked and eagerly waiting to have you aboard and you'll see why it's a favourite.
Top tip
For luxury accommodation right by the lake, the cottages at Kiboko Bay are your best bet. This is also one of the only spots around where you can get luxury motorboats that can offer excursions to bigger groups.
2 Lwang'ni
This area comprises a series of brightly coloured semi-permanent eateries dotted along the lake. Due to competition among the close-knit restaurants, you will be hounded by waiters, each scrambling to entice you to their spot. This is not the place you go to for polished silverware but its charm lies in the authenticity of the experience. Make like a local and eat with your hands.
Top tip
To avoid the chaos particularly from the entrance, drive further along the bumpy dirt road until you get to the last restaurant called Tilapia Beach. It is a lot more spacious, clean and well organised.
3 Hippo Point
This is an open viewing area but, despite its name, you are more likely to catch a great sunset or spot various birds. It's a great place for picnics or to hire a boat, but is yet to be fully tapped for the amazing potential it has to increase tourism to the area.
Top tip
Dunga Hill Camp is a good alternative and even has a restaurant and bar that often plays benga and rhumba music.
4 Dunga Beach
In the wake of the sunrise, hard-working fishermen row back to shore in brightly coloured boats with even brighter smiles. Eager buyers jostle to be given first pick of the day's catch and you will likely never see bigger catfish or Nile perch in the country. By around midday, fishmongers adorned in striking African print fabrics will start setting up little makeshift barbecues to roast the fish, all the while chatting heartily. Grinning kids run errands or roll old bicycle tyres up and down the jetty while men tend to their boats. The energy here is infectious!
Top tip
Dunga Beach is one of the cheapest places to buy fish in Kisumu and without middlemen.
5 Impala Park Sanctuary
For nature lovers, this walking sanctuary has about 115 bird species, nature trail circuits, free-roaming zebras and impalas, baboons, monkeys, an animal orphanage with caged lions, leopards, cheetahs, hyenas, zebras, as well as jackals, buffaloes and the endangered sitatunga antelope. It's a great site for ecology and wildlife research.
Check out: Kisumu Yacht Club
They set up fishing competitions, waterskiing and boat racing as well as sailing excursions every other day. The club also has various types of vessel to hire out.
Top tip
Nestled within the serenity of the park is a unique and secluded wheelchair accessible eco-lodge with 12 elegant cottages overlooking the lake – the ideal accommodation for luxury-seeking nature lovers.
Old: Renowned musician Suzanna Owiyo hails from Kisumu and her music is a contemporary fusion of traditional western Kenya sounds (featuring instruments like nyatiti and orutu). Her hit song Kisumu 100 was released in 2001 during Kisumu's centennial celebrations as an ode to the city.
New: The latest afro-rap sensation out of Kisumu is Vicmass Luodollar whose high-quality video for the hit single Simbe Adek was shot in various spots around the city including Jubilee Market, Lwang'ni, the Acacia Premier Hotel and Kisumu Sports Ground.
Close to Kisumu
Kit Mikayi is a 40m-high rock formation along the Kisumu-Bondo Road whose name translates as 'stone of the first wife'. Also known as 'the weeping rock', it is said that Mikayi went up a hill to cry when her husband took a second wife and that she has been weeping ever since. An alternative tale tells that her husband would spend so much time at the caves within the rocks that she started joking that he was visiting his second wife – both allude to polygamy. A drive to this site will reveal how such Luo homes were traditionally set up.
Luo legend
A story is told about a mighty warrior called Luanda Magere whose name translates as 'built of rocks'. He was said to have supernatural powers and during battle, arrows and spears would simply deflect off his body. He defeated the Nandi (Luo's foes at the time) so many times that they eventually sent him a beautiful girl to marry under the guise of a truce, but her real mission was to find out his weakness. One day Luanda fell sick while his first wife was out so he asked the Nandi girl to bring him medicine and administer it on his shadow. When she made a small cut on it, she saw it bleed. That very night the girl crept out and told her people. They in turn attacked and one warrior threw a spear at Luanda's shadow and he fell, died and turned to a boulder which exists to this day.
Where to stay
Acacia Premier Hotel
The balcony on the fourth level treats guests to an unmarred view of a slice of the city and the magnificent lake further beyond. Accommodation includes standard and superior rooms as well as the Bay and Presidential suites. Catch yet another spectacular sunset at Aqua Pool Bar & Grill or listen to music at Buzz Bar – they have regular events so check their website beforehand. Ask the barista at the coffee lounge to fix you a latte then settle to supper at the all-day dining Café Acacia whose menu has Indian, Pan-Asian, Italian and African options. Achieng' Oneko Rd (www.acaciapremier.com)
Top tip
Take a matatu, tuk tuk, motorbike or taxi to get around town. There is no standard fare meter so negotiate where possible.


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I hope everyone had a terrific Thanksgiving. Equity futures are down again this morning for our post holiday shortened trading session. The dollar is significantly higher, the euro lower, bonds are higher, while oil and gold are lower.
The Chinese hiked margin requirements on almost all commodity trading, this is pressuring the commodities as China attempts to cool the hot money inflation. Notice how our governments first work hard to stimulate, and then when that blows up in their face, as it always does, then they resort to having to micromanage every aspect of the markets… and then that will fail as it always does. Governments cannot manage markets – doing so eventually wrecks both the government and the markets.
There is no economic data today. Next week will be a busy data week that culminates in the November Employment Report on Friday.
The real news continues to revolve around debt saturation. European spreads are continuing to blow wide in one country after another. The "rescue" of Ireland has failed to lower rates on Irish debt and the average rate across the PIIGS is now at new all-time Euro zone highs:
Irish Relief Fleeting as 'Day of Reckoning' Nears: Euro Credit
Nov. 26 (Bloomberg) -- Borrowing costs for Europe's most indebted nations are at record highs as Ireland's capitulation in accepting a bailout of its banking industry stokes concern that other countries also will have to seek aid.
The average yield investors demand to hold 10-year debt from Greece, Ireland, Portugal, Spain and Italy reached 7.56 percent today, a euro-era record. The average premium investors demand to hold those securities instead of German bunds widened to 488 basis points, the highest level of 2010. The average cost of insuring against default by the five nations using credit- default swaps reached a record 517 basis points on Nov. 23.
"It's no longer taboo to speak about a restructuring," said Johannes Jooste, a portfolio strategist at Bank of America Corp.'s Merrill Lynch Global Wealth Management in London, which oversees about $1.4 trillion for clients. "The fact that bond yields continue to rise and put pressure on countries that have to fund from the market makes investors less and less confident, and it's bringing forward the day of reckoning."
The Nov. 22 relief rally after Irish Prime Minister Brian Cowen conceded that the nation needed financial support proved transient. Irish 10-year bond yields fell 4 basis points, before jumping 100 basis points as of 11 a.m. today, exceeding 9 percent for the first time since 1995. The euro's respite was more fleeting; the bailout inspired a 0.8 percent gain for the currency before it slumped to a two-month low. It fell 0.9 percent to $1.3238 today.
Volatile Market
"When Ireland accepted help, the general feeling in the market was that this could restore some calm; that hasn't been the case," said Michiel de Bruin, who oversees about $35 billion as head of European government debt at F&C Netherlands in Amsterdam. "Authorities should be doing their utmost to calm the situation."
Analysts at Morgan Stanley said in a Nov. 11 report that any move by Ireland to use the European Financial Stability Facility would boost the euro and be a "circuit breaker" for the European sovereign debt crisis. While Ireland has enough money to pay its debts until the middle of next year, it has requested a bailout from the European Union and International Monetary Fund amid concern the cost of rescuing its banks would overwhelm government finances.
Portuguese Finance Minister Fernando Teixeira dos Santos said in an interview published today that EU governments can't impose a bailout on his country.
A majority of euro region officials and the European Central Bank are putting pressure on Portugal to accept aid that helps stop contagion spreading to Spain, the Financial Times Deutschland reported today. German government spokesman Steffen Seibert said the nation isn't pushing Portugal to seek aid. An official at the office of Portuguese Prime Minister Jose Socrates also denied the report.
The "bailouts" haven't restored calm because they make the situation worse. Only a fool believes that you can cure a debt problem with more debt. But trust me, the central bankers are no fools, they are rolling in the lap of luxury while they PURPOSELY create stress across the region in order to force these "bailouts" that are really all about establishing power and control. They do so by creating money from absolutely NOTHING and then indebting entire nations. It's preposterous and I'm amazed that the people aren't waking up to take action.
Oh wait, in Ireland they are:
***Note that he talks about WHO CONTROLS THE PRODUCTION OF MONEY!!! APPLAUSE!
I hope you took the time to watch that video, it is extremely important. Jim Corr is a man who understands what's happening, the first citizen I've seen who eloquently, directly, and correctly identifies the ROOT of the problem and is organizing to defend themselves against attack. You are going to see more of this type of pushback, it is critical that the people of the world step up and do this. It will be coming to America, I only hope we will be as brave and as well spoken as Mr. Corr.
Attack is the correct word, the central banks are the ones pushing up the debt and the cost of that debt in order to push these bailouts. Politicians who don't realize this are being duped. This is going to ripple from one country to the next, and sorry Mr. Zapatero, Spain is squarely in the crosshairs:
Spain Bets on Budget, Home Investors to Stem Contagion
Nov. 26 (Bloomberg) -- Spain is counting on budget cuts and domestic appetite for its bonds to build a firewall against contagion as Prime Minister Jose Luis Rodriguez Zapatero warned investors would lose money betting against the nation's debt.
Spain, which has the euro region's third-highest budget deficit, says it won't adopt new measures to protect itself from Europe's worsening debt crisis after cutting the central government's budget gap by almost 50 percent and taming regional spending. Providing support is about half of Spanish debt is held at home, more than in Ireland or Portugal, offering a line of defense against changes in foreign investors' moods.
"I should warn those investors who are short-selling Spain that they are going to be wrong and will go against their own interests," Zapatero said in an interview with Barcelona-based broadcaster RAC1 today. He "absolutely" ruled out Spain would need a rescue.
You are being duped, Mr. Zapatero, your talk will only embolden the shorts (who are the same central banks who lent you the money in the first place, creating a completely unmanageable credit bubble in your country).
Those same banks in Spain are getting ready to dump massive amounts of foreclosure real estate into the market, this will spur the next major leg down in real estate prices, and that in turn will cause government revenue to plunge, making current debt all the more unserviceable.
And thus the ripple continues across Europe. There is simply no way that the math works in Europe and thus the Euro experiment is destined to fail, it already has.
And as smart as the central bankers are, their efforts to control the globe will ultimately fail. This is because there are NATURAL laws that prevent such an effort from being successful. You cannot repress intelligent people forever, they absolutely will rebel.
And thus we are going to witness HISTORIC events unfold at an ever quickening pace as the math of their debt is exponential and that exponential growth compresses those events in time. North Korea is threatening war again due to our military exercises planned for this weekend. These types of tensions and releases of anger are part-and-parcel the expression of underlying stress created by DEBT. It simply doesn't have to be that way, and the people are going to change it – get ready as more historic events are coming.
Before I close today's message, I want to talk about people's misperceptions of this site. What it is not is a day trading site. It is my belief that those who day trade in this market will eventually get eaten alive by the central banker's HFT machines, quote stuffing, and various inside games they play in order to ROB you of your money. My advice has been and remains DON'T DO IT.
I consider the writing on this site to be public service. Goal number one is to educate others so that we are aware of what's happening and can thus work to fix the REAL PROBLEMS without being duped by the Central Bankers. I talk about the markets and do TA work, to highlight those problems and so that people can decide for themselves just how real the markets are or are not. Right now it is my considered opinion that the markets are NOT REAL, and thus I do not consider placing money for any time frame into those "markets" as an investment.
As I have repeatedly pointed out, there are three market aspects to consider before "investing:" 1. Fundamentals 2. Technicals 3. Psychological.
It is my ongoing opinion that fundamentally our economy is saturated with unserviceable debt. I therefore do not believe that investments are safe until RESTRUCTURING occurs that significantly lowers the amount of debt in the system. Therefore, betting long the markets is betting long that the bankers can push still more debt onto the backs of the people. Maybe they can for a while, but it will be short lived, and counter trend, again in my opinion. I personally do not bet counter the fundamentals or counter trend as I consider it foolish. I know there are people who think they are clever and can win by playing in these markets, and I think they are gambling and will be taught a lesson in the end. So, if you are here to pick up tips and tap my market knowledge, that is great, there will come a time again when that knowledge can be put to use in REAL markets again… but that time, unfortunately, is not now.
Again, that's my opinion, and note that I charge NOTHING to share that advice. If you wish to give your money away, then by all means sign up for people's trading services – there you will find that there is NO ONE who will consistently return you money by trading over and over again in short time frames. Buyers beware.
And thus, if you want to be a successful INVESTOR, then you need to have realistic goals and a realistic understanding of the markets and of the people who provide services about the markets. NO ONE consistently gets every turn in the markets right – NO ONE. There are those who have made good calls in advance, and for the rest of their careers they will shout about those good calls while ignoring the bad ones. That's the name of the game in investor services – buyer beware.
Don't forget that Monday's (ramp job) is coming 'round again...

subset: commoncrawl


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Stats, Research & Laws
DOT Activities
Experience the Stories
About Us
U Drive. U Text. U Pay.
Distracted driving is a dangerous epidemic on America's roadways. In 2013, 3,154 were killed in distracted driving crashes.
The U.S. Department of Transportation is leading the effort to stop texting and cell phone use behind the wheel. Since 2009, we have held two national distracted driving summits, banned texting and cell phone use for commercial drivers, encouraged states to adopt tough laws, and launched several campaigns to raise public awareness about the issue.
Distraction.gov is your resource for learning more about distracted driving. Get the facts, get involved, and help us keep America's roadways safe.


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3-year old girl murdered after being tortured in Gujranwala
According to details, the name of the murdered girl was Zunaira, daughter of Altaf, a resident of the city's Mujahid Town area. Zunaira was playing outside her house when she went missing all of a sudden. Her absence was noted and worried her parents immensely, who at once started searching for their daughter in the area.
Zunaira's corpse was found by her grief-stricken relatives at the nearby graveyard. Upon discovery of her murder, the whole area was steeped in grief and sadness. Rescue officials shifted the body of the dead girl to the District Hospital for postmortem. The tortured body of the girl was handed over to her relatives after a postmortem had been conducted.
Police registered a case against unidentified persons for the murder of the girl and started an investigation into the matter. However, no arrests could be made in connection with Zunaira's murder. Relatives of the dead girl placed her corpse on G.T. Road and blocked it as a sign of protest.


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This was published 8 years ago
Zombie twilight banking on the plight of the living dead
A robust economy depends on a healthy banking system that can also play its part to perfection.
I DON'T want to alarm you, but Europe is infested with zombies, and it's a government conspiracy. Before you grab your shotgun, pack your family into the car and block all the arterial roads leading out of the city, let me explain.
You see, the zombies in Europe aren't people but banks. And unlike the fast-moving zombies of television and movie stardom, Europe's zombie banks are more feeble and safely contained. All European governments would have to do is switch off their funding life support and many would die. That's the last thing we'd want. More on that later.
First things first: what is a zombie bank? Zombie banks are essentially insolvent, bankrupt, broke: the value of their debts (loans from other banks, investors, shareholders and deposit holders) exceeds the value of their assets (loans to you and me).
Bank balance sheets are the opposite to yours and mine. Our deposits are their debts, on which they must pay interest and our home and business loans their assets, earning them an income via our interest payments.
Banks get into trouble when the cost of their debt rises (because institutions become less willing to lend to them) and/or the return on their assets falls (because people fail to pay their mortgages, businesses fail to pay loans, or the value of the assets on which loans are secured falls).
This is what happened during the global financial crisis in the US. Its government was forced to step in to keep some banks alive, while arranging for smaller, less important banks to be shot - foreclosed - with funds returned to deposit holders under the Federal Deposit Insurance Scheme.
Market concern now centres on the European system. The International Monetary Fund's latest twice-yearly Global Financial Stability Review identifies European banks, along with European governments, as the main threats to world financial stability. In today's globalised world, with banks lending to banks all over the world, the biggest threat is that a failure in one part of the world sparks contagious fear all round the world, with banks refusing to lend to each other, or to business, or only doing so at exorbitant prices.
European Union authorities have already had to step in and provide funding life support for private banks through the European Central Bank.
Banks themselves are seeking a more sustainable footing by increasing the capital (mostly shareholder funds) they hold against their loan books. They are doing this mostly by selling unrelated assets such as insurance arms, on-selling loan books to other foreign banks and also by decreasing new lending.
The risk is that if they do so suddenly, and businesses are unable to access credit, this will prolong the economic downturn in Europe. What Europe really needs is an extended period of calm so that market jitters subside, debt becomes cheaper, banks can access funding easily and business and home borrowers can keep paying off debts.
If that all goes to plan, zombie banks could eventually return to health. The world needs banks, half-dead or alive. Banks are the lifeblood of economies, matching people with spare money to people with entrepreneurial spirit and a need for funds. This fuels jobs, growth and rising living standards.
Where does Australia sit? Compared with the chaos abroad, Australia is pretty much the elusive haven sought by the living in all zombie movies. Our banks here are alive and kicking. The economy remains a good bet for international investors, thanks to our low jobless rate, low net government debt and growth rate.
Not that we're inclined to thank the government, or Prime Minister Julia Gillard, who has observed world leaders ''would cheerfully chew their right arms off to have the macroeconomic signs that we have in this country''.
Let's hope they don't.


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2017 was the year that God had Jacob's Well Fellowship focus on the word "GROW". Through the Book of Ezekiel we were stretched and strengthened to a heightened sense of spiritually maturity in our walk of Grace, Repentance, Other-Centeredness, and Worship.
2018 was the year that God was calling JWF to focus on the word "HOLY". He was calling us to be His set apart remnant in these last days; living out a walk of Humble, Obedience, Listening, to Yahweh! I believe that it is by no coincidence that the Book of Ezekiel ends with the words "The Lord is there" and the Book of Leviticus opens with the words, "Then the Lord called". God in His Holiness is calling JWF to have sweet fellowship with Him in a time when few are humble, few are obedient, and no one wants to listening . . .
Isaiah 55:3 "Incline your ear and come to Me. Listen, that you may live; And I will make an everlasting covenant with you, According to the faithful mercies shown to David.
John 10:27 My sheep hear My voice, and I know them, and they follow Me;
Rev 3:19-21 Those whom I love, I reprove and discipline; therefore be zealous and repent. Behold, I stand at the door and knock; if anyone hears My voice and opens the door, I will come in to him and will dine with him, and he with Me. He who overcomes, I will grant to him to sit down with Me on My throne, as I also overcame and sat down with My Father on His throne.
I Pt 1:14-17 As obedient children, do not be conformed to the former lusts which were yours in your ignorance, but like the Holy One who called you, be holy yourselves also in all your behavior; because it is written, "You shall be holy, for I am holy."
If you address as Father the One who impartially judges according to each one's work, conduct yourselves in fear during the time of your stay on earth;
Amos 8:11-12 "Behold, days are coming," declares the Lord God, "When I will send a famine on the land, Not a famine for bread or a thirst for water, But rather for hearing the words of the Lord. "People will stagger from sea to sea And from the north even to the east; They will go to and fro to seek the word of the Lord, But they will not find it.


text:
Spacelog.org (on my birthday) released an incredible treasure trove. They have taken the transcripts from the Apollo and other space missions and added a little Web 2.0:
Read the stories of early space exploration from the original NASA transcripts. Now open to the public in a searchable, linkable format.
Not only is the spacelog searchable and linkable, it is tweetable. AND, and, they've interspersed pictures (taken by the Apollo 13 crew and others) to the time in the log in which they were taken (like this). This is incredible.
To accomplish this transcription, Spacelog posted the original transcripts, and then crowd-sourced the copy-and-pasting to their interface.
I love it. They link to some of the best parts, but I have to share my own.
First, the requisite quote:
Jack Swigert: I believe we've had a problem here.
Jim Lovell: Houston, we've had a problem.
Second, my favorite (watch the movie):
Houston, Capcom: Aquarius; Houston. We've got you both on VOX.
Lastly, a great picture and quote:
Jim Lovell: And there's one whole side of that spacecraft missing.
I can't say how much that I enjoy reading through this. Being able to relive history, in the first person, is an amazing experience. I might be a nerd, but I love this stuff.


text:
The B.C. Lions added to their quarterback stocks on Wednesday, signing free agent pivot Keith Price.
There's nothing quite like that feeling of looking the bully that's pushed you around for years right in the eye and hitting them with everything you've got.
TORONTO — Another opponent from Ontario, another dominant win for the Calgary Stampeders. On Thursday, the Stampeders smashed the Toronto Argonauts 41-24 to put a nice cap...
For most of a somniferous game, the Saskatchewan Roughriders were pointless in every context. They trailed 30-0 well into the fourth quarter before belatedly halving an insurmountable...
The Saskatchewan Roughriders acquired Canadian receiver Cory Watson from the Winnipeg Blue Bombers on Thursday. The Riders landed Watson and a 2015 third-round pick for Canadian...
TORONTO — John Hufnagel, who guided the Calgary Stampeders to the CFL's best regular-season record and a Grey Cup title, was named a finalist for the CFL's coach...
TORONTO - The Toronto Argonauts locked up veteran guard Tyler Holmes to a contract extension Friday.
HAMILTON Have the Alouettes found their quarterback of the future in Jonathan Crompton? Not even Montreal head coach Tom Higgins can state that with any certainty. Crompton, who...
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A Fallacy of Cosmic Proportions – the Kalam Cosmological Argument
A further response to Gary Robertson's Is naturalism more probable than supernaturalism? which was a rejoinder to Naturalism vs Supernaturalism – the False Dichotomy
Most contemporary philosophers regard the cosmological argument as unconvincing. Despite the best efforts of William Lane Craig, the famous argument never recovered from the assault it took at the hands of David Hume and Immanuel Kant. According to the Stanford Encyclopedia of Philosophy, even noted theologian, Alvin Plantinga concludes "that this piece of natural theology is ineffective". Other philosophers similarly reject the argument: Michael Martin (1990: chap. 4), John Mackie (1982: chap. 5), Quentin Smith (Craig and Smith 1993), Bede Rundle (2004), Wes Morriston (2000, 2002, 2003, 2010), and Graham Oppy (2006: chap. 3).
To hang one's metaphysical hat on the cosmological argument is to watch it sail away on the breeze.
William Lane Craig's recent form of the Kalam Cosmological argument:
- Whatever begins to exist has a cause.
- The Universe began to exist.
- Therefore, the Universe had a cause.
Gary Robertson disagrees the KCA invokes the fallacy of composition by applying the same principle of causality which applies to the universe's constituent parts, to the universe as a whole. Citing philosopher Edward Feser, who unconvincingly asserts that "it is hard to see how" things which are individually contingent are no less contingent when part of a group, the objection conveniently ignores what is so special about the mystery of existence.
The universe is not merely just an assortment of planets and stars. The riddle of existence, "Why is there something rather than nothing?", would not be a riddle if it could be so simply answered, "it must have been caused!". The riddle is founded upon Parmenides famous statement – "from nothing, nothing comes". So, when musing about the answer to existence itself, the question becomes perspicuously different. We are now talking about the origin of existence itself, and why does it exist instead of nothing at all, and how and whether it arises from nothing.
Further, the powerful and interacting forces of nature, such as the pulling and repulsing of gravity, which determine the complex relations between physical things within the universe, tells us emphatically that reality is more than just a hamper full of stuff. The universe is not a glass menagerie, nor is it a bag of mixed lollies.
We could further speculate on the origin of the principle of causality. One assumes that the theist would say it was part of God's creation. Viz. not an eternal principle. Thus, it's circular and self-referential to invoke the causal principle to explain the existence of the universe of which it is a part.
And so, for the aforementioned reasons, it is indeed a fallacy of composition to assume that what is true of causality in the universe applies to the universe itself.
Gary Robertson disputes my objection to premise 1 of the KCA, that the universe had a beginning, by claiming the consensus of physicists and cosmologists agree the universe had a beginning. This may well be true, but I could more powerfully argue that a larger consensus of physicists and cosmologists reject a supernatural cause of the universe. As stated, a consensus of philosophers rejects the KCA! A consensus, being a survey of opinions, does not prove anything. Thus, the challenge to premise 1 remains.
Gary claims a brute fact, in the sense of an eternal force governing all of nature, can be ruled out, because it would have to exist before the Big Bang and be either timeless or self-caused. Thus, it would either transcend or sit outside of nature. But this objection only suggests such a force would sit outside of Gary's rather narrow view of "nature" – which evidently constitutes the known universe from the time of the Big Bang.
Even on Gary's definition this does not preclude a "supernatural" force. But if we did discover such a force, or identify it through evidence gathered in the material world, it's only a matter of semantics as to whether we would name it as natural or supernatural. Thus, it's a reification fallacy, given that human definitions have no bearing on what actually exists in the universe. Further, scientists consider the prospect of multiverses to be eminently possible, but none posits these as supernatural, as they would be under Gary's definition.
Brute Facts and Necessary Beings
The denial of God as a brute fact highlights the special pleading required to insert God as a necessary cause. Gary Robertson cites Broussard (2016) who exempts God from being an unexplained brute fact, because his existence is explained by his essence. It seems childish and unnecessary to point out how circular this argument is – how can the essence of a hypothetical, unverified being ever be established – not to mention how it might be used in favour of any potential being, thing or force.
From the Stanford Encyclopedia of Philosophy entry on the Cosmological Argument:
"If theists are willing to accept the existence of God as the necessary being as a brute fact, why cannot nontheists accept the existence of the universe as a brute fact, as a necessary being? Bede Rundle, for example, argues that what has necessary existence is causally independent. Matter has necessary existence, for although it undergoes change as manifested in particular bits of matter, the given volume of matter found in the universe persists, and as persisting matter/energy does not have or need a cause. This accords with the Principle of Conservation of Mass-Energy, according to which matter and energy are never lost but rather transmute into each other. As indestructible, matter/energy is the necessary being. Consequently, although the material components of the universe are contingent vis-à-vis their form, they are necessary vis-à-vis their existence. On this reading, there is not one but there are many necessary beings, all internal to the universe. Their particular configurations are contingent, but since matter/energy is conserved it cannot be created or lost."
The theist argues that the existence of the universe points to a necessary being – since all contingent things look to something else for their existence. Thus, the creator is a necessary being.
But the theist also maintains that the universe at some point did not exist, and in fact, was created from nothing by the necessary being. This indicates that the description of a creator as a necessary being is contingent on his own decision to create a universe, in such, that if the universe did not exist there could be no necessary being. Since the universe could have failed to exist by the theists own argument, then the concept of a necessary being becomes self-defeating.
Finally, even if we accepted the Cosmological argument, it still doesn't get us to God. If we accepted the logic that everything has a cause, this does not demonstrate a cause which is "supernatural", or some kind of deity.
The further arguments B and C presented to purportedly deduce the nature of a cause are silly arguments. For instance:
"B. It is logically impossible to provide a natural explanation for how nature came into existence as such an explanation must assume the existence of nature in its opening premises, thus committing the circular fallacy."
No, it may mean that nature contains another element which is as yet unobserved. Or even an existing element of nature which has the, as yet unrecognised, property of seeding the universe. Further, a brute fact is a candidate because, by definition, it has no explanation.
The theist is all too keen to fill any uncertainty with supernatural explanations. As per my previous post, it will not be philosophers who solve the riddle of the universe's origin. It will not happen by using logic. The secrets of nature have been gradually revealed using the scientific method. Cosmologists, astrophysicists and many other scientists continue to search the universe for answers. It is now time to dispense with the semantic trickery of the cosmological argument and indeed the other discredited logical arguments, and look to Hadron colliders, telescopes and space probes for the answer.


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HOW TO: Back Up Your Tumblr Blog
If Tumblr's (nearly) day-long outage taught us anything, it's that we should probably start backing up our content.
So Tumblr users: Let's just take a moment out of our busy days to do that, OK? You know, to avoid the ventricle-constricting feeling we all experienced yesterday at the prospect of never seeing all those kittens, hipsters or sprawling personal essays ever again.
Yes, all content has been restored following Tumblr's epic outage, and, yes, Tumblr President John Maloney told Twitterers that it was "ridiculous" to think everything was kaput. Heck, founder David Karp even offered this bit of assurance to users last night via Tumblr's Staff Blog: "We know how impossibly frustrating it is to see your work offline. But please always know that we truly care about your work as much as you do, and we have an incredibly capable team working incredibly hard to take good care of it."
Still, when you're leaving your work up to the whims of a company's database, it's really best to take those extra steps required to make sure it doesn't all get lost.
Last year, Tumblr launched a backup app that allows users to save their blogs so that they can be viewed on any computer, burned to a CD or hosted as an archive of static HTML files. The app is super easy to use: Simply download, enter your Tumblr sign-in info and save your blog to your desktop (it looks like the below screenshot). You can launch the app and backup more info every time you post as well.
Note, this app is only for Mac OS X (10.5 or higher), but there are other options for those who use different operating systems.
I just backed up my Tumblr blog. Will you?


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Twins 48″ x 48″ acrylic on board
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Acrylic on board created as part of the Gieslet series.
This painting is inspired by Lewis' Land of Nod concept. Lewis studied baby animals to create the details in this duo.
Twins Giclee print on Canvas 12″ x 12″
Twins Giclee Print on Canvas14" x 14 "
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This fundraising paint kit has been put together to provide 2 things, a meaningful at-home project and fundraising where it is needed most. This kit contains 2x small hard canvas boards, 2x 8"x10" stretched canvas boards, 1 large paintbrush and one small paintbrush and a selection of 9 Winsor and Newton paints. Lewis is providing FREE paint workshops online at Lewis Lavoie Youtube https://www.youtube.com/channel/UCMDw0MWcyj7C1peGsT-fiDw
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2012 NIT: Why Johnny Dawkins' Stanford Cardinal Will WinMarch 27, 2012
Believe it or not, Stanford, which finished a lowly seventh in the much-maligned Pac-12 conference, is one of only eight college basketball teams still standing in the NIT. The 24-11 Cardinal take on UMass at MSG on Tuesday in the NIT semifinals.
How on earth has coach Johnny Dawkins' team, which won just one game between mid-January and mid-February, managed to find its way to the Big Apple?
1. Looks deceive
Stanford earned its invite to the NIT. While the Cardinal played only .500 ball in January and February conference play, they had a decent enough 20-10 regular-season record.
Stanford turned heads last November with an impressive showing in the preseason NIT, where it led Syracuse in the second half of the title game before bowing to the Orange by 69-63.
Stanford also had some of the best regular-season wins in the Pac-12, twice blowing out conference champ Colorado (84-64, 74-50) and defeating the league's other March Madness representative, Cal, by 75-70 in the regular-season finale.
2. Late-season hot streak
The Cardinal finished strong, winning five of their last eight regular-season and conference tournament games, with the three losses by a total of 13 points.
With some exceptions, Stanford played well enough on defense all season (65.7 points per game allowed), no surprise given the team's athleticism and Coach Dawkins' 11-man rotation.
The offense, however, sputtered at times. However, in recent weeks it has exploded, scoring more than 75 points in the team's last six games, highlighted by NIT wins by 76-65 over Cleveland State, 92-88 in OT over Illinois State and 84-56 over Nevada in the quarterfinals.
Twelve players have scored in double figures this season, and four have season-high games of more than 20 points, a reflection of the scoring talent assembled by Coach Dawkins.
3. Frontcourt
Stanford has an athletic and dynamic frontcourt that has jelled in March after being maddeningly inconsistent for part of the season.
Two of Stanford's big men, senior forward Andrew Zimmerman and sophomore forward Dwight Powell—who had played inconsistently—have come to life of late.
Zimmerman, he of the memorable facial hair, scored a career-high 22 points against Cal in the Pac-12 tourney and has continued to contribute points, rebounds and defense in the NIT. He's playing the best ball of his college career.
Powell has length and hops, ala former Cardinal stars Landry Fields and Josh Childress, with double-double skills.
Zimm and Powell are joined by the team's leading rebounder, powerful 6'8" senior power forward Josh Owens (honorable mention All-Pac-12, 12 PPG, 6.0 RPG), and the kinetic 6'7" sophomore Josh Huestis, who can score, rebound and defend.
Dawkins gives major minutes as well to 6'9" senior Jack Trotter, 6'9" sophomore sharpshooter John Gage (six games in double figures off the bench) and 6'11" Stefan Nastic, giving the Cardinal as deep and imposing a front line as any of the remaining NIT teams.
4. Backcourt
Chasson Randle is the best freshman guard that no one east of the Pacific Time Zone has heard of. Named to the All-Pac-12 freshman team, he's averaged nearly 14 points per game and played both PG and SG. Randle has scored in double figures 25 times this season and displayed the ability to be Stanford's best guard since Brevin Knight.
Randle is complemented by sophomore Aaron Bright, who torched Illinois State for 29 points in the second-round NIT victory. Bright leads the team with 127 assists. Both Randle and Bright have shot over 43 percent from beyond the arc.
The 6'6" sophomore Anthony Brown is another player who has emerged in March, with a 15-12 double-double in the NIT opener against Cleveland State. Long-armed 6'4" senior Jarrett Mann can defend, and penetrate.
5. Coach Dawkins
Coach Dawkins has shown quite a bit of patience with his players, and it has paid off with the team's collective momentum. He's used 15 different starting lineups in an effort to maximize the production from his 11-man rotation.
The Cardinal's late-season surge gave Dawkins his first winning conference record in his four years on The Farm and will lead to Stanford's first postseason championship since it won the NIT back in 1991.


text: On This Day 18-September-2015 Posted on September 18, 2015 by George Palaganas 1 YEAR AGO TODAY Thu, Sep 18, 2014 George Palaganas added 3 new photos to the album: PhoneCallsandFax. September 18, 2014 at 7:42pm · AllPhoneCallsTranscriptsandTweets 7 Likes8 Comments Graciella Leano, Enrique Ramon Henry Chichioco, Armel Lacanilao and 4 others like this. Comments George Palaganas #MissUniverse #Year2013 #November5 #November9 #CrocusCity #Moscow #TelecastJudges #Phone4995500055 The Preliminary Competition Notes! https://www.facebook.com/photo.php?fbid=10201131031024376&set=a.10200687367933076.1073741829.1427450153&type=3&theater November 4, 2013 at 10:52am · Like · Remove Preview George Palaganas #MissUniverse #Year2013 #CrocusCity #Moscow #Candidates #PuertoRicotoVietnam #ThirdPart21 #Presentation #November9 Miss Universe 2013 Candidates from Puerto Rico to Vietnam! https://www.facebook.com/photo.php?fbid=10201124502981179&set=a.10200687367933076.1073741829.1427450153&type=3&theater November 4, 2013 at 10:52am · Like · Remove Preview George Palaganas #MissUniverse #Year2013 #CrocusCity #Moscow #Candidates #GuatemalatoPoland #SecondPart30 #Presentation #November9 https://www.facebook.com/photo.php?fbid=10201123470995380&set=a.10200687367933076.1073741829.1427450153&type=3&theater November 4, 2013 at 10:53am · Like · Remove Preview George Palaganas #MissUniverse #Year2013 #CrocusCity #Moscow #Candidates #AngolatoGuam #First30 #Presentation #November9 The Miss Universe 2013 Candidates from Angola to GUAM! https://www.facebook.com/photo.php?fbid=10201123365832751&set=a.10200687367933076.1073741829.1427450153&type=3&theater November 4, 2013 at 10:53am · Like · Remove Preview George Palaganas #Performers #Judges #Hosts #Year2013 #November5 #November9 #MissUniverse #CrocusCityHall #Moscow Miss Universe 2013 Organizers! https://www.facebook.com/photo.php?fbid=10201118820759127&set=a.10200687367933076.1073741829.1427450153&type=3&theater November 4, 2013 at 10:53am · Like · Remove Preview George Palaganas #LIVEEvent #ChrismMass #PopeFrancis #MaundyThursday #Year2014 #April17 #VaticanCity The Gospel is being read at the Chrism Mass with Pope Francis! http://player.rv.va/vaticanplayer01.asp?language=en… April 17, 2014 at 4:05pm · Like George Palaganas #June #Year2014 #GROUPSandLISTS #GroupPAGE #CommentsandPostings https://www.facebook.com/groups/370469913001627/ Welcome to the month of June, Year 2014! It's good to see you all guys here again. The month of MAY GROUP page is at https://www.facebook.com/groups/257555154342418/ I hope we will all have another fruitful month of sharing and posting. June 2014/2013/June 2012 Comments and Postings On Facebook Joined Public Group 297 Members June 3, 2014 at 8:26pm · Like · Remove Preview Cecile Abrot Bti kpa marami kang remembrance Kay Santo papa June 2 at 1:19pm · Like Write a comment… George Palaganas shared his photo. September 18, 2014 at 10:18am · Cubao · #FALLGetTogether #SRCS #October11 #Year2014 #OldColonyDrive #StreetNumber5689 #ZIP89139 #EsterAguinaldoDeVera Fall get together this coming October 11! https://www.facebook.com/photo.php?fbid=10203019499394905&set=a.1164274553516.2026855.1427450153&type=1&theater 2 Comments Comments George Palaganas https://www.facebook.com/photo.php?fbid=10203019574556784&set=a.1164274553516.2026855.1427450153&type=1&theater September 18, 2014 at 10:30am · Like · Remove Preview George Palaganas I found her unconfirmed if official Facebook profile at https://www.facebook.com/grace.marquez.18?fref=ts Grace Marquez St.rose catholic school · 6 Mutual Friends FriendFriends September 21, 2014 at 9:16am · Like · Remove Preview Write a comment… George Palaganas in Paniqui, Tarlac September 18, 2014 at 10:13am · 19 Comments Comments George Palaganas To All SRCS Alumni Please note of the following important announcements: Fellowship Night hosted by Class 1988-89 on Sept. 20, 2014 – All are Invited The SRCS Batch 1988-89 are hosting a Fellowship night on Sept 20th at 6:00 pm Embassy Suites Glendale CA. Group hotel rates will be available under St. Rose Catholic School. Tickets are priced at $50. Attached is the flyer for the event. Details will be posted at the group Facebook. The flyer for the event is attached. Events like this is encourage by the SRCS International Alumni Association. We hope to see more activities like this to be hosted by other Class Groups. SRCSIAA Fall Get Together/ 5Oth Anniversary Follow-up and General Membership Meeting on Oct 11, 2014 On Oct. 11, 2014 the SRCS International Alumni Association will have the Fall Get Together/ 50th Anniversary Follow-Up/ General Membership Meeting in Las Vegas similar to what we did on Oct 16, 2010. One of our alumni Ester Aguinaldo de Vera offered her place. The address is:5689 Old Colony Dr LAS VEGAS, NEVADA 89139. This is also opportunity for the alumni and their family to enjoy Las Vegas. Food and drinks will be provided. It will start at lunch and can go the rest of the afternoon. The class groups are encouraged to have their own activities either before or after our meeting. The agenda for the meeting are: 1. Election of Officers 2. Presentation of the by-laws and registration of the association 3. Meet and Greet It is important we should do this this year so we can have our registration in place. Details will follow and will also be posted in the website. Thank you and Best Regards, Jorge T. Aguinaldo, Class 1968 President, SRCS International Alumni Association Tel. (813) 632-3119 Fax (813) 632-2936 Cell (813) 335-5628 firstname.lastname@example.com Tampa, Florida September 18, 2014 at 10:14am · Like George Palaganas https://www.facebook.com/photo.php?fbid=10203019499394905&set=a.1164274553516.2026855.1427450153&type=1&theater September 18, 2014 at 10:15am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203019574556784&set=a.1164274553516.2026855.1427450153&type=1&theater September 18, 2014 at 10:30am · Like · Remove Preview George Palaganas https://www.youtube.com/watch?v=moSFlvxnbgk Disney's Frozen "Let It Go" Sequence Performed by Idina… youtube.com September 18, 2014 at 10:35am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203021050553683&set=ms.c.eJwzNDAyMAZiS0tDA3MjQ0szPUOIiKGBqYGpqbGZhTGyiKWhsZmlEQAZ8wp5.bps.a.10200687367933076.1073741829.1427450153&type=1&theater September 18, 2014 at 7:44pm · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203020991072196&set=ms.c.eJwzNDAyMAZiS0tDA3MjQ0szPUOIiKGBqYGpqbGZhTGyiKWhsZmlEQAZ8wp5.bps.a.10200687367933076.1073741829.1427450153&type=1&theater September 18, 2014 at 7:46pm · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203021050913692&set=ms.c.eJwzNDAyMAZiS0tDA3MjQ0szPUOIiKGBqYGpqbGZhTGyiKWhsZmlEQAZ8wp5.bps.a.10200687367933076.1073741829.1427450153&type=1&theater September 18, 2014 at 7:50pm · Like · Remove Preview George Palaganas I found her unconfirmed if official Facebook profile at https://www.facebook.com/grace.marquez.18?fref=ts Grace Marquez St.rose catholic school · 6 Mutual Friends FriendFriends September 21, 2014 at 9:16am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035382231966&set=a.10200309291041390.1073741828.1427450153&type=3&theater September 21, 2014 at 9:30am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035382551974&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&theater September 21, 2014 at 9:30am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035382791980&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&theater September 21, 2014 at 9:31am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035383231991&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&theater September 21, 2014 at 9:31am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035383551999&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&theater September 21, 2014 at 9:31am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035383792005&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&theater September 21, 2014 at 9:31am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035384312018&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&permPage=1 September 21, 2014 at 9:32am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035384632026&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&permPage=1 September 21, 2014 at 9:32am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035385032036&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&permPage=1 September 21, 2014 at 9:32am · Like · Remove Preview George Palaganas https://www.facebook.com/photo.php?fbid=10203035385432046&set=ms.c.eJxVzbENwDAMA8GNAlKUZHP~%3BxWJXUdoDHk8EBJV2hOjuh59U0SunLNMbQ3Qrc8qt7CnLAdSQFAPcU1qBmPfCEf0kj2S~%3BhcYjjw~-~-.bps.a.10200309291041390.1073741828.1427450153&type=1&permPage=1 September 21, 2014 at 9:32am · Like · Remove Preview George Palaganas #SRCS #Florida #Registration #InternationalAlumniAssociation #SaintRose #Year2014 Here is a copy of the SRCS International Alumni Association copy of Registration from Talahasse courtesy of Jorge T Aguinaldo! https://app.box.com/s/dsxg4s3kit474i2bj1bo If preview is not available, you have to download it to view the document. SRCSIAA_Registration.pdf – File Shared from Box app.box.com November 17, 2014 at 6:16pm · Like · Remove Preview Write a comment… Share 2 YEARS AGO TODAY Wed, Sep 18, 2013 George Palaganas September 18, 2013 at 6:04pm · Cubao · #TristanCafeJokes #ProjectIsabela #TheBodyGuard #Year2005 #TRISTANCafe #TheBodyGuard #OhPleasePlease It's funny to remember! JOKES from Tristan Cafe! http://tristancafe.com/forum/13451 "Oh! Please! Please!" Joke from SOURGRAPE of Tristan Cafe! Posted 23-Aug-2013 Who he is? posted by sourgrape (Aug 23, 2005 @ 3:49AM) views: 458 Allegedly a true story from the old airport in Denver: a major airline had cancelled a very busy flight and a lone check-in agent is busy trying to sort out all the displaced passengers. A very angry and aggressive man barges his way to the front of the queue to confront her. He says says that he is flying first class and demands to go on the flight. The agent politely explains the situation and asks that people take their place in the queue. The man bellows at her, "Do you know who I am?" – at which the agent calmly picks up the microphone for the PA system, and announces to the airport, "This is (airline name) desk 64; we have a gentleman here who does not know who he is. If anyone can come and identify him please do so." The man, now purple with rage, yells at her, "Well f**k you.." – to which the agent replies, "And you'll have to stand in line for that as well, Sir…" TristanCafe Forums » Filipino forum and community blog where members can post their writings, swap stories, share their love stories and heartbreaks, ask for advices, and just have a good time. tristancafe.com 2 Comments Comments George Palaganas The September group is at https://www.facebook.com/groups/128474990583183/ September 2015/2014/2013/2012/2011 Comments and POSTS at Facebook 336 Members Joined September 18, 2013 at 6:23pm · Like · Remove Preview George Palaganas #AllYearRound #Year2013 #Facebook #PostingsAndComments #Year2008 #Year2009 #Year2010 #Year2011 #Year2012 #GeorgePalaganas All Year Round Postings and Comments on Facebook https://www.facebook.com/CommentsAndPostings?ref=profile Comments And Postings Community 4 Likes September 18, 2013 at 6:24pm · Like · Remove Preview Write a comment… Share George Palaganas shared his photo. September 18, 2013 at 5:53pm · 3 Comments Comments George Palaganas https://www.facebook.com/izanoelle?hc_location=stream Niza Palero Orida FriendFriends Cor Jesu College 63 followers September 18, 2013 at 6:10pm · Like · Remove Preview George Palaganas http://web.archive.org/…/www…/manilascooltalk/niza.htm Leoniza Orida holy cross college(elementary), notre dame lagao( high school), corjesu ( college & post graduate)…and hey, the location is in the dreaded "mindanao" kidding. web.archive.org September 18, 2013 at 6:10pm · Like · Remove Preview George Palaganas #NizaOrida #IZANOELLE #Year2005 #April15 #TristanCAFE From Niza Orida at TristanCafe Forum as IZANOELLE: izanoelle •reply Apr 15, 2005 @ 1:03 AM MY turn smile emoticon http://www.tristancafe.com/forum/5668 TRIXIE…See More TristanCafe Forums » Filipino forum and community blog where members can post their writings, swap stories, share their love… tristancafe.com September 18, 2013 at 6:19pm · Edited · Like · Remove Preview Write a comment… George Palaganas added 21 new photos to the album: Writer/NGO Social Work- Niza Orida — with Niza Palero Orida. September 18, 2013 at 5:38pm · +17 George Palaganas September 18, 2013 at 1:54pm · Cubao · Edited · #eTORO #EQUITY #TwentyBucks #GetYoursFREE #SIGNUP #Payments #SENDMoney Try etoro https://openbook.etoro.com/georgepalaganas/overview/ for forex trading, today! Get $20 on equity upon sign-up. I had used the $20 to BUY FACEBOOK Shares at $45.39 per share 10 hours ago. Since cut-off, I lost from $0.06 to $0.20, so the investment is down to $19.74… SAD… but that's Trading… you sometimes loose… sometimes wins… TRY SIGNING-UP Today and learn forex trading at e-TORO and start with your FREE $20.00 equity UPON sign-up You can BUY from that STOCKS from nominated BLUE CHIPS and start TRADING! Good luck! …. smile emoticon George Palaganas on eToro OpenBook GeorgePalaganas from Philippines is trading online on eToro since 17/09/2013. Join eToro, the world's largest Social Trading & Investment network to… openbook.etoro.com Share George Palaganas shared his photo. September 18, 2013 at 12:15am · #StevenOrlow #ZIP11367 #Flushing Steven Orlow's Address in New York 4 YEARS AGO TODAY Sun, Sep 18, 2011 George Palaganas added 4 new photos to the album: Business Business 3. September 18, 2011 at 6:32pm · 2 Likes10 Comments George Palaganas September 18, 2011 at 10:24am · Boy, I am only on Row Man's! The failed bid of Miss Venezuela Vanessa Goncalves is blamed not only on the Nicaragua question as a forgotten issue but also on the fact that Miss Goncalves is already LADY GAGA today! It's better than "be dethroned" as Miss Universe for being a "man"! Her runner-up on the original pageant, Catalina Robayo of Columbia, went "on waves" by showing some clits while the pageant is going on! http://www.youtube.com/watch?v=qrO4YZeyl0I Lady Gaga – Bad Romance Music video by Lady Gaga performing Bad Romance. (C) 2009 Interscope Records youtube.com 1 Comment Comments George Palaganas Miss Universe 2011 Leila Lopes of Angola was on hot waters after found on fake documents on another pageant! See http://in.news.yahoo.com/miss-universe-2011-accused… Miss Universe 2011 Leila Lopes faked documents? in.news.yahoo.com September 18, 2011 at 10:26am · Like · Remove Preview Write a comment… Share George Palaganas added 4 new photos to the album: St.Rose Catholic School Batch 1986 — with Jean Juana Estaris Peña and 4 others. September 18, 2011 at 9:20am · Class Picture and pictures of SRCS Batch 1986 Paniqui Tarlac 19 Likes31 Comments George Palaganas shared a page. September 18, 2011 at 2:18am · http://www.facebook.com/yahoonews Yahoo News News/Media Website 6,125,604 Likes 185,677 talking about this 2 Comments Comments George Palaganas PE firms circling AOL turn attention to Yahoo ReutersBy Jennifer Saba | Reuters – 16 hrs ago tweet16 Share1 Email Print Related Content Yahoo Inc. offices, housing its Search Marketing Group, are pictured in Burbank, California, October 14, 2010. REUTERS/Fred Prouser Yahoo Inc. offices, housing its Search Marketing Group, are pictured in Burbank, … Business slideshows UBS trader charged with $2 billion fraud 17 photos – Fri, Sep 16, 2011 Frankfurt Auto Show 103 photos – Wed, Sep 14, 2011 Health 500 photos – 20 hrs ago See latest photos » NEW YORK (Reuters) – The troubles at Yahoo Inc are proving to be a headache for AOL, that other deeply challenged Internet company trying to turn around its fortunes. Interest in AOL from private equity firms ramped up after the company's stock plummeted about 30 percent on dismal earnings results last month. Allen & Co and Bank of America Securities are advising AOL on strategic alternatives, including a possible sale, sources said. Problem is, the private equity firms have now turned their attention to Yahoo, which is reportedly seeking its own sale after firing Chief Executive Carol Bartz on September 6 and attracting the ire of activist investor Daniel Loeb. AOL declined to comment for this story. Sources said the top-tier private equity firms that were looking at AOL are now setting their sights on the company famous for its purple logo and peppy exclamation point, viewing it as more valuable and housing more attractive assets than AOL. "Yahoo has jumped to the forefront," said one industry source familiar with the situation. Indeed, according to this industry source and one other source, several PE firms have lines out to at least two media companies to see if they are willing to partner on a bid for all or pieces of Yahoo. Both sources declined to name the PE firms or media companies. AOL and Yahoo are two vastly different business in terms of market value — roughly $1.6 billion and $19 billion respectively — meaning that there are different pools of potential buyers for each asset. The big private equity firms with massive amounts of money under management are able to go after Yahoo on their own or with a strategic partner. The smaller private equity firms are better equipped to digest AOL and likely couldn't pursue Yahoo absent being part of a consortia of buyers. Or, to put it another way, AOL's second-class assets are now only attracting the interest of second-tier buyers. Indeed, only when compared to AOL does Yahoo come out the winner. "They are both in rough shape, but AOL has more structural challenges than Yahoo," said Ross Sandler an analyst with RBC Capital Markets. Compounding AOL's problems is the fact that its lucrative subscriber dial-up business is also one of greatest liabilities. Sandler said dial-up is partly responsible for a 25 percent year-on-year decline in AOL's free cash flow. "At Yahoo you don't have those issues," he said. To make up for the loss of subscription revenue, AOL is training its sights on advertising sales. But even that is having set backs. Its launch last September of a more expensive large ad-format with interactive panels that dominate a Web called Project Devil is still trying to gain traction on Madison Avenue. Under Armstrong, AOL has also developed a penchant for investing in projects that have yet to pay out. Case in point: Patch.com. AOL has shoveled roughly $160 million into the network of more than 800 neighborhood-oriented websites dedicated to local news, many of which are less than a year old. Yet Patch is on track to lose $140 million to $150 million this year, estimates Sandler. Though expensive, at least AOL's attention-grabbing acquisition of the Huffington Post for $315 million is delivering returns since the business is profitable. Yahoo's coming on the block couldn't have come at a worse time for Armstrong. The former Google Inc ad sales executive has seen his reputation dented since taking over AOL. According to one of the industry sources, Armstrong' reputation has taken as much of a hit as Bartz's, even before he bungled the dust-up that resulted in TechCrunch founder Michael Arrington's ouster. (Reporting by Jennifer Saba; Editing by Peter Lauria and Richard Chang) September 18, 2011 at 2:18am · Like George Palaganas http://www.facebook.com/photo.php?fbid=2132148629763&set=a.2121479363038.2113162.1427450153&type=1&theater Yahoo's Future to Dictate Morse's Tenure By Vipal Monga This post originally appeared in the CFO Report blog of WSJ's CFO Journal. Tim Morse's tenure as "interim" CEO of Yahoo Inc. could be longer than expected, and depends largely on the direction taken by the embattled tech company's board in the wake of its sudden firing of former CEO Carol Bartz on Tuesday night, said analysts. Clearly, his tenure could be just long enough for him to orchestrate the sale or breakup of the company, or it could turn out to be much longer if he's allowed to navigate the company as an ongoing concern. Either way, his success as CFO of the company (a position he retains) made him the most obvious choice for the job, especially since the company hasn't even begun the process of finding a new chief executive, and it's unclear how many candidates would be willing to step in to take charge of the company given the uncertain position they'd be inheriting. Tony Avelar/Bloomberg Tim Morse, Yahoo's chief financial officer, was named "interim" CEO yesterday. "If they're going to restructure, they'll leave Morse in place to see that process through," said Jim Friedland, an analyst at Cowen and Company, who noted that the Internet company will have trouble finding a permanent replacement for Bartz in this case. "But if they want to grow the company, they'll probably want a media or tech leader to come in," he told CFO Journal. Morse, 42, became Yahoo's CFO in July 2009, and has fixed the company's cost structure. Yahoo's net margins rose to 19.3% at the end of June 2011, from 8.8% at the end of calendar 2009. Colin Gillis, an analyst with BGC Partners, attributed the improved margins to layoffs and controlling expenses. "He basically gets an A for his performance [as CFO]," said Gillis. "He's been one of the bright lights at the company." Morse earned $2.9 million in total compensation in 2010. However, despite his success, the former CFO of semiconductor company Altera Corp. has probably been put in place to implement decisions made by board. In its announcement of Bartz' firing, Yahoo said a new executive leadership council will support Morse "in managing the company's day-to-day operations until a permanent chief executive is appointed." The board will also perform a strategic review of the company. Steve Weinstein, an analyst at Pacific Crest Securities, said that the review and Morse's interim appointment portend some sort of breakup of the company. "They put a financial guy in charge," said Weinstein. "I think that indicates the direction they're going." He said that Yahoo is already looking at selling its stake in Yahoo Japan, but that it's unclear how much the company will be able to get for the asset. A Yahoo spokesman didn't return calls. September 18, 2011 at 2:26am · Like · Remove Preview Write a comment… 5 YEARS AGO TODAY Sat, Sep 18, 2010 George Palaganas shared a profile. September 18, 2010 at 5:32pm · http://www.facebook.com/… Transcript of Our Chat at Facebook Today 18-Sep-2010 Sat 1:02am Manila Date:Saturday, September 18, 2010 1:02 AM From: "Dr George Cainglet Palaganas" <email@example.com>View contact details To: firstname.lastname@example.com Transcript of Our Chat at Facebook Today 18-Sep-2010 Sat 1:02am Manila 12:51am Evelyn hello 12:52amMe hi 12:52amEvelyn kamusta kna 12:52amMe ayos latta… sika? ania ti number mo? 12:52amEvelyn ok lang12:53amMe imayb gamin idi naminsan nga kalman..awagan ka kuma , kaso awan ti teleponom kinyak, ti ada… telepono ni manang mo nga Linda 12:53amEvelyn adda ka kadi ta trabahom ita 12:54amMe adatoyak montreal(rovel internet cafe)… sika,? sadino ka ?Evelyn aywen nabanggit ni ate linda 2mawag ka daw sa kanya nong nasa california ka ah nsa canada ka pla 12:55amMe nag-voicemail kinni manang mo… 12:56amEvelyn nd2 lng ko sa bahay hinihntay ko yong anak ko from skol 12:56amMe wala… andito me Philippines… Montreal Cubao Quezon City… ti number ko… adidiay Washington… ngem ma-access ko ta voicemail service 206 ti area code na ditta… 339-2624…. +12063392624 ti cellphone nagmayat man dagiti photom iddi summer dagitoy… kasla around Marpole niya? http://www.facebook.com/home.php… Evelyn Nisperos Resident Care Aide at Chartwell Retirement Residences 1 Mutual Friend George Palaganas shared a link. September 18, 2010 at 12:36am · NewsBit Follow-Up – Untitled – Blog – Other's blog post – Yahoo! Pulse Newsbit Follow-Up A Cut On The Road's Shoulder Could Have Caused Mishap16-Sept-2010… pulse.yahoo.com Share That's all for today. About these ads Occasionally, some of your visitors may see an advertisement here. Tell me more | Dismiss this message Share this: Press This Twitter Facebook Google


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Download Automated All in One TDS on Salary for Non-Govt employees for FY 2015-16 & AY 2016-17 [ This Excel Utility can prepare at a time Tax Compute sheet + Automated HRA Calculation + Automated Form 16 Part A&B and Part B + Form 12 BA]
Employee's Data Sheet
Non-Govt employees Salary Structure
Brief the tax section with deduction
Traveling Allowance/Conveyance Allowance:-
Raised up to Rs. 1600/- P.M. and Phy. disable persons Rs. 3200/- P.M.
Entertainment Allowance:
The first deduction which you claim from salary is Entertainment Allowance. Entertainment allowance received is first included in the employee's income and then a deduction is allowed in case of government employees, for a sum equal to 1/5th of salary (excluding all allowances, benefits and other perquisites) or Rs. 5,000, whichever is less.
Professional Tax:
Tax on employment by whatever name called, levied by a State under Article 80C 276 of the Constitution shall be allowed as a deduction. [Sec. 16(iii)]
Payment of Medical Insurance Premiam (Mediclaim) or contribution to Central Government Health Scheme. [Sec. 80D]:
Deductible up to a maximum of Rs. 25,000 (Rs. 30,000 in case the person insured is a senior citizen).
Expenditure on medical Treatment etc. and deposit for maintenance of handicapped dependents. [Sec. 80DD]:
A deduction is allowed to compensate for any expenditure incurred by an assesses, during a year, for the medical treatment (including nursing), training and rehabilitation of one or more handicapped relatives wholly dependent on him, and for amount deposited in an approved scheme of LIC or UTI, for the benefit of a handicapped dependent. A fixed deduction of Rs. 50,000 is allowable, in aggregate for any or both the purpose specified above, irrespective of the actual amount of expenditure incurred.
Expenditure or Medical Treatment of assess/dependant relative [Sec. 80DDB]:
Deduction for the amount of expenditure incurred or Rs. 40,000, whichever is less, is allowable for any year during which expenditure is actually incurred for the medical treatment of specified diseases or ailments for the assesses himself or a dependent relative. If the patient is a senior citizen the deduction allowable shall be the expenditure incurred or Rs. 80,000 whichever is less. Besides, any amount received under a medical insurance policy shall be reduced from the amount of deduction allowable.
Interest on Loan taken for Higher Education. [Sec. 80E]:
Any amount paid by way of interest on a loan taken from any financial institution or any approved charitable institution for the purpose of pursing his higher education, is deduction without any limit.
Interest on Loan taken for first residential house. [Sec. 80EE]:
Deduction is allowable for interest on housing loan from a bank/housing finance company, for allowable is Rs. 1, 00,000, subject to specified conditions. The deduction is allowable for A.Y. 2014-15 and A.Y. 2015-16 only.]
Donation for Charitable Purposes [Sec. 80G]:
There are a number of donations in respect of which deduction is permissible under Sec. 80G. Deduction @ 50% is available for donation to Jawaharlal Nehru Memorial Fund, Prime Minister Drought Relief Fund, [National Children's Fund] Indira Gandhi Memorial Trust or Rajiv Gandhi Foundation etc. 100% deduction is allowed for donations to National Defense Fund, Prime Minister's National Relief Fund, [National Children's Fund,]National Foundation for Communal Harmony, Chief Minister's/Lt. Governor's Relief Fund etc. Deduction is granted subject to the prescribed maximum ceiling and on furnishing of appropriate certificate from the done organization.
Donation of a sum exceeding Rs. 10,000 shall be eligible for deduction, only if it paid by a mode other than cash.
Expenditure on Rent. [Sec. 80GG]:
Rent paid by an assesses not owning a house and not in receipt of house rent allowance u/s 10(13A) for residential accommodation whether furnished or unfurnished, is deductible subject to the prescribed ceilings. [w.e.f 1-4-2014, for A.Y. 2014-15]
Donations to specified institutions/associations for Research or for Rural Development [Sec. 80GGA]:
Donation of a sum exceeding Rs. 10,000 shall be eligible for deduction, only if it paid by a mode other than cash.
Physical Disability [Sec. 80U]:
Rs. 75,000 for disability and Rs. 1, 25,000 for severe disability.