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Disclaimer : All the characters, the Magic Box, etc.. belong to Joss Whedon, Mutant Enemy and Fox. "Wishing You Were Somehow Here Again" is from Andrew Lloyd Webber's Phantom of the Opera. Nothing is solely mine, except the story, hope you like angst.
Author : Josephine Naylor
Title : It's Always Gotta Be Blood
Email : email@example.com
Rating : R
Summary : What if Buffy didn't die in "The Gift" and Dawn wasn't killed either? Someone else paid the price and gave the gift.
Warnings : Sounds like a character death.
The last few weeks had been very hard on Buffy, emotionally and psychologically. She not only had to cope with her mother's unexpected death, but also Glory's relentless pursuit of the key. Giles had tried to help whenever he could but the pressure was mounting and it was obvious that Buffy was scared. When Glory found out that Dawn was the key, Buffy became convinced that the only way to protect Dawn was to make a run for it. Although Giles had initially suggested doing more research and exploring other options, Buffy was adamant about leaving Sunnydale and, as usual, he had acquiesced. That endeavor had nearly cost him his life and Glory had snatched Dawn from them, pushing Buffy over the edge to a state of catatonia. Fortunately, Willow was able to help draw Buffy out of it, quite extraordinarily powerful for an amateur witch.
All things considered, Giles was very glad to have his slayer back but Buffy and he were not seeing eye to eye. It was exasperating. The nagging pain in his side made it harder to be patient with his slayer. They had all gathered at the Magic Box and he and Buffy were arguing whilst the others watched.
"I understand that," he tried.
"No, you don't understand, we are not talking about this."
"Yes, we bloody well are!"
Giles suddenly jumped up from his seat and yelled at her. At the same time, he felt a paralyzing stabbing pain in his side forcing him to fold over and struggle for breath. The sudden movement also made him dizzy and he broke out in cold sweat as his vision blurred. Reaching for his side, he knew he was bleeding again. He tried to straighten up but started to sway and would have collapsed on the floor if not for someone supporting him from behind.
Her Watcher looked so pale and tired. More of his hair had turned grey and Buffy wondered when that had happened. From an angle, Buffy could see under his jacket that his side was bleeding again. Ever since Buffy had first known him a few years ago, she had wished repeatedly that Giles was also endowed with super slayer healing abilities and if he were, his wound would have already healed. His sudden outburst had annoyed her but as she watched him struggle to straighten up, her heart ached for him. Still, she couldn't let any harm come to Dawn and she really didn't want to listen to his lecture about the big picture and making sacrifices. Wasn't it enough that she had killed Angel years ago? How much more did he expect her to sacrifice?
"If Glory begins the ritual, if we can't stop her....(he paused for breath)...every living creature will suffer unbearable torment and death, including Dawn." he added for emphasis. He had to make Buffy see that the portal must be closed at all cost, even if it means making a terrible sacrifice and losing someone she loved. Buffy, however, made it clear that she would sacrifice all of them and the world if necessary, to keep Dawn safe.
"I love you all, but...I'm sorry."And Buffy did love her friends. She had known Willow and Xander for more years than she did Dawn but the latter was more than some energy, more than a mere key. Dawn was her sister and sent to her for protection. Buffy was resolved to keep her safe. With that, it was decided that the gang were all going to go into battle and try to prevent Glory from opening a portal into the demon dimension. Ideas were offered and Anya, Xander's ex-demon girlfriend, had suggested using Olaf's hammer and the dagon's sphere as weapons against Glory. But ultimately, it was up to Buffy to fight with the crazy hell god and buy them time. The portal had to be opened at a particular time and place. If Buffy could keep Glory occupied until the time had passed, then the latter couldn't open the portal and all's well on earth. A few minutes after the outburst, when Willow had replaced his dressing and reproached him for not being more mindful of his injury, Giles tiredly made his way into the training room in the back and tried to reconnect with his slayer.
"I imagine you must hate me right now. I love Dawn. But I have sworn to protect this sorry world and sometimes that means saying and doing what other people can't, they shouldn't have to."
He tried to remind Buffy of his role as her Watcher and his sacred duty, hoping this would make her think about her own calling too and her role as the Slayer. But Buffy was only focused on protecting Dawn, at all cost.
"Buffy, I could never hurt Dawn...... if there was any other way...(Sighs). I needn't remind you that the fate of the world often lies on the Slayer. Buffy, we have a sacred duty to fight evil and keep this world safe, and I have to fulfil that duty,... or die trying."
Buffy noticed how Giles had switched from using "we" to "I" but she was afraid to ask him to elaborate. It seemed that her Watcher had his own agenda and whatever it was, when he turned to leave the room, he looked like he was carrying the weight of the world on his own shoulders. Were they still a team fighting side by side against a common enemy? Perhaps there was more than one battle to fight and more than one enemy to contend with. Has it really come to this?
"You try and hurt her, you know I'll stop you."Hours later, as Buffy and Dawn stood watching the portal disappear, Buffy wished with all her heart that she HAD indeed stopped Giles, not from hurting Dawn but from leaping off the tower. Why was he so duty-bound? The price he had paid was way too high. It's always gotta be blood, Spike had said. Then, as Buffy remembered Giles' last words, "...or die trying.", her legs suddenly became weak. This can't be. It can't happen. Giles is not gone. Doesn't it have to be Dawn's blood? It has to be the key, right? What did her Watcher do? How was Giles able to close the portal without killing Dawn? But these questions remained unanswered as Buffy helped her sister down from the tower and joined the rest of the gang. They were relieved to see Dawn alive although her dress was blood-soaked and she looked utterly miserable. Spike wore a smirk on his face and smiled at Dawn.
"Little Bit, you're alive!"
Xander and Anya were grinning too. Only Willow clung to Tara and wept what the others thought were tears of joy. It was sometime during the battle with Glory's minions that Giles had approached Willow to teleport him up to Dawn. When she hesitated and looked doubtfully at Tara, Giles had grabbed her hand desperately and pleaded with her, reminding her that Dawn was in grave danger and that he was in no condition and had no other way to reach her in time without their help. Willow had no idea what Giles intended to do up there but he had always been resourceful and she trusted him. Tara had encouraged and helped her to teleport Giles, and now he was gone. Both witches shivered when they realized how instrumental they were in sending Giles to his death.
To the others, good had apparently triumphed over evil; they had beaten Glory and closed the portal and saved the world, again. Everyone was glad until they heard Buffy's voice.
"Dawn, what was going on up there? What was Giles up to? What did he do to you? How did he do it? For God's sake, why did you let him? Answer me, Dawn!"
"Giles! Where is Giles? He was up there with you, Dawnie? But, I saw him down here when we were fighting Glory's minions, he was bleeding so bad, there's no way he could've made it up there. Dawnie?"
Xander turned to Dawn and then to Buffy, but no one answered. When he looked at Willow, she openly cried, letting her tears wash down her cheeks, obviously not tears of joy anymore. Clearly, she knew something he didn't. Xander was speechless.
Slowly, Dawn lifted her tear-streaked face and looked from one friend to another. She saw the uncertainty in Xander's eyes, the curiosity in Anya's and the loss in Buffy's. Even Spike seemed interested although it's common knowledge that he and Giles were never best buddies. Dawn felt so bad. She knew that it ought to be Giles standing amongst them instead of her. Surely it must be easier to die than to have Giles do it in her place. Everyone would look at her and always be reminded of the price Giles had paid for her to be alive.
"Alright already! I'll tell you all." Dawn finally spoke.
About an hour before, she had been tied at the edge of the tower and the demon called Doc had made shallows slits across her abdomen. It was excruciatingly painful and she had been so terrified. She was only 14 years old and she didn't want to die. She was a person with a soul and she had feelings so she couldn't imagine herself being anything but human, much less a key. Although she knew in her mind that her sister wouldn't let her down, Dawn was starting to panick. Her blood had dripped and opened a portal between the demon and human dimensions. It was most frightening. It felt like the end of the world as chaos reigned everywhere. Then Dawn heard herself scream for Buffy. Was this how it would end?
All of a sudden, Giles was there. Driven by pure hatred and rage, he charged at Doc, swung his sword savagely and decapitated the beast. It took Dawn a second before she realized what had happened. Giles had just saved her from a demon but he was badly hurt and his sweater was bloodier than her dress. Retrieving a pocket knife from his jeans, he started to cut her binds although his hands were shaking and his skin ashen. As soon as one of her hands was free, Dawn immediately took the knife from him and started to cut free her other hand whilst Giles stood by. He was not a pretty sight. Once she was totally free, Dawn threw herself at him and hugged him with all her strength. She had never been so glad to see him. Giles staggered a little but returned her hug, pressing flesh against flesh, her wounds against his. Although both their clothing were ripped and they were both bleeding, Dawn knew that Giles was hurt far worse than she as she felt his blood soak into the fabric of her dress. When he trembled, Dawn tried to pull away to see if she could do anything for him, but Giles pressed her even more firmly against him, as though the fate of the world depended on it. Then Giles held her face and smiled at her in his typical fatherly way. Dawn smiled back but when she in his eyes, she saw a tortured soul torn between love and agony, it was mesmerizing.
"Dawn, don't ever blame yourself for this. There is ..... no other way."
Giles winced in pain but continued.
"Tell Buffy.... I've figured it out. It's always gotta be blood, but it doesn't have to be you. Promise me, Dawn, be brave and live. It won't be easy. But I believe you can do it."
He suddenly shuddered and started to go limp but he recovered quickly and desperately, he clung to Dawn who, thankfully, had tighten her hold on him, probably worried he was going to pass out.
Dawn could feel Giles' heartbeat weaken as they continued to hold each other. But he still wrapped her tightly as though he wanted her blood to mix with his and their blood to become one and the same. This must be how it feels like to be taken by a vampire, riveting but also scary. It was a heady experience but Dawn felt so safe and protected being enveloped in his arms. She wished it could last forever. He made all her fears fade away, leaving her a sense of calm. At that point, Dawn even felt brave enough to die for the world. Then, it hit her with a jolt and Dawn panicked.
"Giles, don't! I know what you're trying to do. But I am the key! Let me go, please!"It was one thing to have Giles rescue her from the demon but quite another to have him go in her place. After all, SHE was the key, not him. But even in his weakened state, Giles was stronger than Dawn and he wouldn't let her go.
"Shhhh..... Please let me...I failed Buffy once before when I let her face the Master. I will not fail you now. This is my gift to you all."
In her own mind, Buffy replayed what she had witnessed. When she had finally gottent to the top platform after battling with Glory, she saw her sister struggling to free herself from Giles. Dawn was begging him to let her go but he didn't loosen his hold on her. Buffy looked in disbelief. Was her Watcher so dead set on sacrificing Dawn to save the world? How could he!? Buffy couldn't let it happen. She had to stop him. She had to protect Dawn, at all cost, even if it means hurting her Watcher.
Quickly, she sprinted toward them and tried to force them apart. But Giles had his arms wrapped round Dawn's waist and didn't budge. Buffy was afraid to hurt her sister if she used her slayer strength to pry them apart. Yet, she had to separate them. By sheer will, Giles continued to hold on to Dawn as tightly as he could whilst he squinted, having lost his glasses, and watched his slayer. Buffy glared at him and after a moment's hesitation, jabbed at his side with just enough power to make him gasp in pain and loosen his hold on Dawn. In a heartbeat, his slayer had torn them apart and Giles felt himself flung against the metal scaffolding and collapsing into a bleeding heap on the floor.
"Giles, how could you??!!!"
His slayer stood a few feet away but he could hear the anguish in her voice which made him cringe. Buffy still believed he was going to sacrifice Dawn and it broke his heart to see her suffering because of that, which was not even true. There was so much he wanted to say to her but there was no time left and he didn't think he even had the strength to talk. Would she ever forgive him? Would she miss him? Perhaps even grief for him? The Council would eventually send Buffy a new Watcher and in time, Giles would become a mere memory. All those years they had been together fighting against evil seemed pointless. All at once, he felt extremely tired. His glasses were gone and blood from a gash in his forehead was stinging his eyes so things were blurred. His body was hot and cold at the same time. He was bleeding and dying. Just then, the platform started to shake. Some creatures from the demon dimension were already terrorizing this dimension whilst the Slayer was busy examining Dawn's injures.
"Live long, my dearest Buffy..."
With that, he painfully struggled to his feet and staggered towards the edge of the platform. He could see the gaping portal clearly before him. It was a terrifying yet dizzying sensation and for a moment, Giles watched in awe, swaying precipitously on the edge of the platform. Then he threw himself over.
"No! Giles!"Dawn suddenly screamed.
Buffy turned at once and saw her Watcher disappear over the platform, leaving her and Dawn too stunned to react. Even her slayer speed and reflexes couldn't have done anything to stop him. She stared in shock and disbelief. Giles? Buffy looked around frantically and there was no one else there but Dawn and herself. The only telltale sign that Giles was ever there was a pool of blood at the spot where her Watcher had lain bleeding only moments ago. Buffy walked up to it and stared. Then she stooped and picked up something.
"Buffy, what is it?"
"It's.....nothing. It's just blood. It's always gotta be blood."
"Oh boy. G-Man, why you?"
Xander choked. Suddenly, it struck him that the man he had respected most and loved like a father was gone. Was Giles gone? Hadn't it happened a few times before, like when Angelus had taken Giles to the mansion to torture him for the secret of awakening Acathla? But Xander had gotten him back. And another time when Gwendolyn Post had bludgeoned Giles and sent him half dead to the hospital. Giles had bounced back then too. Or more recently when he was pierced by a spear whilst they were trying to run away from Glory. Giles had bled so much that Xander thought the old guy would die. But he hadn't died. So, maybe this time he didn't die either. Xander shook his head,
"No, no, no can do, no. not happening."
Anya quickly took his head in her hands and kissed him passionately; she didn't want Xander to become completely hysterical. She, like everyone else, had grown to love Giles, the once aloof British librarian who later became her boss at the Magic Box. He was also a true friend. In all her years as a vengeance demon and a human, Anya couldn't recall having encountered any man as brave, as devoted, as selfless and as kind as Giles. He had accepted her and helped her adjust to being a human and given her a niche in this world. She belonged, because of him. And now he was gone. And she didn't understand why people must die, just as Mrs Summers recently did and now Giles too. The ex-demon wept.
Everybody wept, except Spike, who scoffed and turned away, after muttering "bloody hell," under his breath. They all felt like they had lost the battle and much more. The gang searched the vicinity and combed the area but they found no Giles. When the tower at last collapsed, so did their hopes of ever seeing him again. Was he doomed in the other dimension forever? Or maybe he was sent to heaven for all his good deeds, for fighting evil for years, for his complete devotion to the Slayer, or just for being Giles?Buffy was inconsolable. Part of her was gone. She would never feel complete again. She only wanted one last chance to beg his forgiveness, one chance to thank him for everything he's done for her, one more chance for one last hug, and just one chance to say good bye properly. She was a Slayer without a Watcher, even when the Council eventually sent her a replacement, Buffy was Watcherless without Giles. There had been no body, no funeral and no closure. They had all gone home and continued their with lives, always feeling his absence.
A year later, on the same day, at the same spot, the gang gathered in respectful silence as they listened to a lonely Slayer sing to her Watcher..:-
"You were once my one companion, you were all that mattered,
You were once a friend and father, then my world was shattered
Wishing you were somehow here again, Wishing you were somehow near
Sometimes it seemed, if I just dreamed, Somehow you would be here
Wishing I could hear your voice again, knowing that I never would
Dreaming of you won't help me to do, All that you dreamed I could
Passing bells and sculpted angels, cold and monumental
Seem for you the wrong companions, you were warm and gentle
Too many years, fighting back tears, why can't the past just die?
Wishing you were somehow here again, knowing we must say good bye
Try to forgive, teach me to live, give me the strength to try.
No more memories, no more silent tears
No more gazing across the wasted years
Help me say good bye.


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As originally posted on Nigeriannation….
Editor's Note: Ikhide analyses the reading tradition in Nigeria by criticizing the book Publishing sector for it's "wretched productions" and appraising Nigerian teenagers who maintain their stride to share their rich contents on blogs…
First of all, let us abolish one myth. It is not true that Nigerians (and by extension, Africans) do not read. When you really think about Nigerians, we are not much different from citizens in the Western world. These days, Westerners do not read books, they do not read print. It is too expensive a habit and it just does not fit into how they live these days. Similarly, our people stopped reading a long time ago because like in the West it is an unnecessary luxury. Life is too short. Besides, how many of you have tried to read a book while perched on an okada on the Third Mainland Bridge?
Our people read. They read their bibles religiously, begging an indifferent God for relief from their thieving sons and daughters, our vagabonds in power. They read religiously: cell phones, smartphones, laptops, etc. Regardless, the writer-thinker keeps churning out ideas in books that few people read.
We need to redesign our attitudes and our mindsets. We are too busy being the sage on the stage when we should be the guide on the side of those whom we seek to influence. The amount of time we all spend online complaining about the poor reading culture of poor people could be more productively spent designing instructional materials that could be ported to the medium that our people now use.
It is not as if the books that are being produced in Nigeria are attractive enough to want to be read. Last year, I visited a number of bookstores in Nigeria. I found my way to about four bookstores including those at the airports. The bookstore is still alive in Nigeria. I was at the Jazzhole in Lagos; I found it to be a very eclectic place. I urge people to patronize it. You are never sure who you are going to meet there (I met the legendary Fatai Rolling Dollar) and the proprietors are filled with an infectious optimism and vision for reading in Nigeria. I bought several books by known and unknown authors. I was going home to the States to enjoy the books. I must say sadly that for the most part, these are wretched productions. There are some bright spots but the publishing stinks and one is left with a very poor impression of Nigerian writing and publishers.
Let's face it: most Nigerian writers of note live abroad. Most of those that are left behind would like to escape. They live on the internet, communing with the world outside. The internet allows the West to further plunder our best brains. If you truly want to enjoy Nigerian literature, go to the Internet. Very soon, I will stop reading books and simply prowl the internet for good writing. The best of our writing now exists on the web. Our Nigerian writers are writing feverishly mostly in blogs, online journals and Facebook. There is some pretty good literature out there; it is just that we are still busy reviewing books. Have you ever met someone at a party that introduced him or herself as a blog reviewer? There is no such animal. There should be. We are missing out on some great gems out there. We should be reading and reviewing digital productions. And they are free. These writers should be paid.
We have great writers in Nigeria; however there is something that happens to their brains once they begin to write books. They become giddy. Pot-bellied generals begin to fall off the windows of their books, rapes chase incest and blood and alcohol and sh*t mix to form a potent brew to knock the reader senseless with boredom. It sells, I guess.
There are some truly great poets out there, but it just seems to me that the ones that are angling to be read these days lack range and depth. It is the same tired crap. And yet they complain that no one reads these days. I don't blame the astute reader for choosing illiteracy over depression. This is not to minimize the pain that Nigerian writers feel. What the Nigeria government has done to our writers is grim beyond the speaking of it. It is a roll call of abuse degradation, death.
Beginning with Christopher Okigbo, many writers have paid the ultimate price for owning words. Wole Soyinka's lengthy experience in the hands of Nigeria's government is outlined with farcical detail in his various memoirs. Chinua Achebe sat in wintry exile in North America. On one level it is a shame, how Nigeria has hounded her wordsmiths to the grave or to exile. The loss has been incalculable. Even in peace time, Nigeria can be rough on a writer. Like ravenous termites, thieving leaders have decimated whatever media structures are there. I have said this before, there are some courageous people doing some really great things for the arts in Nigeria. But it is not enough.
It is criminal that these initiatives are still largely dependent on individuals, rather than on robust structures. Our leaders should be shot.
Written By: Ikhide Ikheloa for Naij.com
Ikhide R. Ikheloa writes for various online media and in his blog. Ikheloa is notorious for having strong opinions about the literature of Africa. He refuses to write a book because he stubbornly insists that the book is dying a long slow death.
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subset: commoncrawl


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Difference between revisions of "Installation"
From Zen Cart(tm) Wiki
(Cleaned up list of caveats, small grammatical fix)
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== Requirements ==
== Requirements ==
The '''minimum''' suggested server requirements for running Zen Cart™ v1.3.x and higher are:
The '''minimum''' suggested server requirements for running Zen Cart™ v1.3.x and higher are:
Revision as of 11:57, 14 April 2009
The minimum suggested server requirements for running Zen Cart™ v1.3.x and higher are:
- PHP 4.3.2 or higher (PHP 4.4.x for optimal performance),
- Apache 1.3.x
- MySQL 3.2x or higher
- Register Globals may be on or off
- PHP Safe_Mode = off (recommended)
The ideal server configuration is:
- PHP 4.4.x or higher
- Apache 1.3.x or 2.x
- MySQL 3.2x or 4.0.x (with significant memory resources devoted to the MySQL processes)
- Register Globals = off
- PHP Safe_Mode = off
- cURL
- Many shipping and payment modules require cURL to be installed and compiled with php.
- Support for HTTPS may be required depending on the payment methods being accepted. The use of SSL during account creation and checkout is recommended.
- PHP as CGI
- If you are running on a Unix/Linux host with PHP running as CGI, you may have some difficulties. It is recommended to use PHP as an Apache module, not as a CGI app.
- Zen Cart&trade
- Using Zen Cart™ v1.3.x+ with a PHP version lower than 4.3.2 will result in problems with maintaining sessions.
- PHP5 is not officially supported by Zen Cart™ at this time since it hasn't been exhaustively tested; however, many shopowners are successfully running their shops on servers using PHP5. The development of v1.3.x is using constructs that are more compliant with PHP5 but full specific testing for PHP5 is not a primary goal of the 1.3.x series.
- MySQL 4.1.x
- MySQL 4.1.x uses an encryption scheme that is not 100% supported by PHP4 on older servers, so may not work with Zen Cart™ unless your host has upgraded their support for compatibility between the two systems.
- MySQL 5
- MySQL 5 has some tighter constraints on various SQL statement constructs. Zen Cart™ v1.2.x requires some coding alterations in order to work in a MySQL5 environment. Zen Cart™ v1.3.x has repaired these constructs and thus is expected to be compatible. Exhaustive testing has not yet been completed. You can use a simple patch until then.
Zen Cart™ has not been designed to use the advanced database features in MySQL5.
Getting the code
- Download the latest code here. This will take you to SourceForge, which is where the files are distributed from. On that page you can choose the file you wish to download. You will be asked to select a mirror site (mirrors are different servers where the same files are hosted, but scattered around the world). It's best to choose one close to your own geographic location.
- Using a tool like WinZip or WinRAR, you can extract the distribution files to your local computer.
If you need to access an older version of Zen Cart™, you can find those files here.


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Beth Tweddle more recognised for DOI than Olympics
- Bang Showbiz
- 20 May 2013
Beth Tweddle is recognised more for taking part in 'Dancing on Ice' than winning bronze at the London 2012 Olympic Games
Beth Tweddle gets recognised more for 'Dancing on Ice' than the Olympics.
The 28-year-old gymnast believes taking part in the ITV skating show threw her into the limelight more so than bagging a bronze medal at the London 2012 Games, and admits being on TV week-in week-out allowed her true personality to shine through to the public.
Speaking exclusively to BANG Showbiz, she said:"Yeah I think actually after 'Dancing on Ice' I got recognised more because it's on TV every week.
"People felt like they grew to knew me and my personality rather than seeing me do gymnastics, whereas on 'Dancing on Ice' you can see my character coming through so it was really nice."
Beth - who was crowned the winner of the 2013 skating series with her professional partner Dan Whiston - was able to relax from her strict Olympian diet when she was on the programme, but she was able to squeeze into the show's revealing costumes thanks to her usual healthy eating plan.
She explained: "After the Olympics it was quite strict but obviously I was still in the limelight with 'Dancing on Ice' and wearing costumes that were quite revealing but I was able to let myself go a little bit more. But I'm used to being healthy so I kind of knew what to do."
Beth Tweddle is working with Lil-Lets to launch 'Becoming A Teen' - a campaign that aims to help reassure and educate young girls on the issues they face when going into and throughout the teenage years. For more information and advice please visit www.lil-lets.co.uk/becomingateen or www.youtube.com/becomingateenuk
To see a video of Beth talking about how she managed relationships with her friends, family and boys when she was growing up, visit: http://www.youtube.com/watch?v=SHAxgTIQcCQ


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Ask Bamboo: Do I really need travel insurance?
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Do I really need travel insurance? There are few things that can kill the 'we're going on holiday' buzz faster than talk of travel insurance (packing comes a close second).
One minute you're dreaming of evening walks along the beach, grabbing coffee in a local café or sipping a cocktail looking out over the views, the next you're thinking about 'what if something goes wrong?'. Which leads many people to wonder: 'do I really need travel insurance?'.
And they have a good point – every year, people take out travel insurance and never use it. (Which is a good thing, because it means things went without a hitch!)
But this can easily lead to the idea that it's better to go without travel insurance. Sometimes, in some circumstances, the risk might pay off. But most cases, the consequences of skipping it to save a few quid are pretty heavy on the wallet.
A few statistics about travel insurance from 2016
Taken from ABI.org.uk:
- Last year, insurers paid out £365 million – the equivalent of £1 million a day – to 494,000 individuals and families who needed help when they were abroad.
- The main cost of claims was for emergency medical treatment, with insurers paying out over £196 million to cover travellers' medical expenses and repatriation. More than 166,000 travellers claimed for medical treatment.
- An annual travel insurance policy costs an average of just £33, while the average medical expenses claim was more than £1,200, and average cancellation claim £800. (This is a pretty compelling argument for getting travel insurance.)
- In total, insurers also paid out £128 million to 160,000 individuals and families to cover the cost of cancelling their holiday. (Holiday cancellations are something that are often not considered when looking for insurance.)
- Insurers paid £16 million to 87,000 people to cover the cost of lost baggage and money whilst travelling.
For more eye-opening statistics, check out this infographic from GOV.UK.
Bamboo's tips: Do I really need travel insurance?
In our opinion, you should always travel with travel insurance. Not only are the risks of going without insurance not worth it – for example, compare the small charge of £33 for insurance to the eye-watering £1,200 if you get a minor illness (and a significantly more eye-watering amount if you're injured and require a procedure or emergency assistance) – but the insurance covers you for things other than your health too: lost baggage, stolen money and cancellations.
Not only that, but there's an added bonus of getting insurance: peace of mind. You can go on holiday and not worry how you're going to afford it if something goes wrong, but – in the worst-case scenario – if something goes wrong you aren't going to have a huge bill to pay when you get home.
And, if your wallet is stolen or your bags are lost, you can carry on your holiday without much of hitch in the knowledge that it was insured and you'll get it back (or be able to claim it back, at least).
'But travel insurance is expensive!'
In some cases, travel insurance can sting a bit. However, we've put together some advice to help save the pennies (and make sure you're fully covered) before you start to pack.
Tip #1: Shop around
Use price comparison sites to make sure you're getting the best deal. However, make sure you're checking to get the cheapest policy that's right for you, not the cheapest policy overall. (In other words, make sure you're covered for all of the right stuff.)
Tip #2: Take advantage of the EHIC
Before you leave, make sure you have a valid European Health Insurance Card (EHIC) if you're travelling in Europe – it'll give you access to state-provided healthcare. (Although, you still need insurance.)
Tip #3: Make sure you declare everything about your health
The last thing you want is for your insurer not to pay out because you failed to declare a condition. (Even if this costs a few extra pound, it's better than thinking you're insured and then getting a hefty bill.)
Tip #4: Check the Foreign Office travel advice
The Foreign and Commonwealth Office has travel advice for everywhere you could possibly visit – check that out before you leave so you can travel safe.
Tip #5: Stay safe
Holidays are a great excuse to kick back and relax. However, 82% of Brits admit to engaging in more dangerous behaviour when abroad. (Remember, travel insurance often doesn't cover alcohol-related injuries.)
By all means, kick back, have fun and unwind. Just stay safe and keep an eye out for danger.
For more ways to save money when you're travelling, check out our 17 Ways to Travel on a Budget. (Or, if you're trying to find out about funding your holiday, check out our guide on that instead.)
- Author Jack Barclay
- Posted 7 August 2017


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Indian accused of steering contracts
A UN probe has concluded that an Indian official steered millions of dollars in contracts to a company owned by the Govt of India.india Updated: Sep 01, 2006 14:39 IST
An internal UN investigation has concluded that a UN official steered millions of dollars in contracts to a company owned by the government of his native India, in exchange for favours that included low-rent apartments.
The investigation claimed that Sanjaya Bahel, himself formally an official in the Indian government when he was working for the UN under contract, used his relationship with a wealthy Indian businessman to steer the deals to the company they represented, Telecommunications Consultants India Ltd.
According to the report disclosed on Thursday, Bahel also ignored evidence that TCIL wrongly withheld money from employees sent to UN peacekeeping missions in places such as Liberia, Congo and Kosovo to do communications work.
While the workers claimed they were only getting a pittance -- sometimes as little as USD 5 for daily expenses -- the money enriched another company associated with the Indian businessman and his son.
Meanwhile, Bahel has vehemently denied the claims and said the UN only notified him of them earlier yesterday.
"All I can say to you is to me the allegations are not correct," Bahel told The Associated Press. "I have good reasoning and valid reasoning to counter those."
Bahel was chief of commodity procurement for the UN from 1998-2003. From 1999 to 2004 TCIL received more than USDD 100 million in UN contracts, the report said.
First Published: Sep 01, 2006 14:39 IST


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Anker Mini Portable Bluetooth 4.0 Speaker(fully backward compatible & Rechargeable)-with 3.5mm Aux Port, 10 Hours Playtime
Use coupon Code: MXMCL2GK
Buca di Beppo Italian Restaurant Printable Coupon for $20 off 2 Entrées (Dine-In Only)
Good for any combination of 2 pastas, baked pastas, or entrees (Buca Small or Large)
Dine in only. Excludes pizza & lunch items.
Good through
June 30, 2013 July 31, 2013 (thanks MrFunnyMan for updated link in post 77)
This is a pretty good coupon.
Coleman 120V Pump – $10.17 + free ship to store (Walmart)
I went to the store, and the price was still more than $20. I asked the clerk to check the price, and he said it was still $20. I went back online and ordered ship to store for free.
Olive Garden Coupon: $5 off 2 Adult Dinner Entrees


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Anonymous, 06 Apr 2009wow factor? in n97? what?36gig internal memory wow!!!
Russel, 06 Apr 2009Lovely lovely Phone, well done samsung. But... it lacks that wow factor i like in the N97wow factor? in n97? what?
Lovely lovely Phone, well done samsung. But... it lacks that wow factor i like in the N97
Nokia Cares, 06 Apr 2009It beats HTC touch HD, iPhone, N97, X1, idou, etc. For me, it is really the best phone.
HD... morenot true, lol.. samsung Philippines will release samsung omnia hd.
8MP AF + HD Video Recording + 3.7" Oled + Capacitive + SymbianOS + OMAP3 + 3d accelerator + quality speakers = samsung omnia hd
It beats HTC touch HD, iPhone, N97, X1, idou, etc. For me, it is really the best phone.
HD is great but OS is kinda boring. Not quite the best brand.
Samsung is on recession in our country so even before they release omnia hd, Samsung Philippines would close.
If I buy this phone, I won't get samsung care on my phone. Nokia has opened a lot of Nokia Care stores. So N97 is for me. How sad...
Top/Best Phones Reasonable To Buy and You Would Not Regret
1) Samsung i8910 Omnia HD
3) Nokia 5800
4) Samsung Innov8
5) Sony Ericsson Xperia X1
Oh, that's just my opinion. Hahaha.
Anonymous, 01 Jan 1970well the omnia HD does absolutely everything the Idou does plus more, so you have no reason to buy the idou.
the only thing that has is a 12 megapixel camera, but you all seem to overlook the fact this phone still has an 8 megapixel camera on it, and if my innov8 is anything to judge by, it will be a really good camera!
i mean the idou has a resistive screen and it cant even give you a standard headphone jack. oh and i forgot, this phone has an oled screen which is far nicer.
to me, the choice is so blindingly obvious
Anonymous, 01 Jan 1970Dear paki, we talking about phones here not about English language. This is in case u haven't noticed yet.
Great phone,good job Samsung !!!
Fantastic phone, can't wait till it's release. Get this, apple fan boys will still think their iphone is better then this. They are in Dream land!
Anonymous, 05 Apr 2009are u sure this phone will come out at april 25? y u can make sure??no not april 25, may 25.
a vid shot on the omnia hd.
GREAT phone i will sell my omnia i900 and add some of my money to get this one!!
i work @ a mobile store in europe!
and in a wheek we sel like 50 samsung's
and maybe 2 sony ericcson's and that's a fact
every wheek like 15 pixon's and 1 c905!!!
SE is gone for ever that's real!!!
The samsung comes out guns blazing but never a complete phone unlike Sony Idou it will do exactly what is suppose to and looks better and a better size. Only problem is IDOU is not going to come out for another 5 mths after Omnia HD.
Anonymous, 05 Apr 2009only symbian for this thing.. no WinMo, sorry.there will be WinMo for this phone but later, when WM 6.5 will be out.
Anonymous, 05 Apr 2009It will going to be very expensive...it will going to be worth it
Steve J, 03 Apr 2009I am no tech wizard so those of you who have mastered the science feel free to correct me! Sa... moreI think it will minimize the video display by 50% and will show it on 640*360 pixels.


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Is Time Travel Real?
A coronary heart-shaped island in the Southern Tagalog Area is a licensed tourism magnet come the Lenten Season. A useful resource for the media on information and statistics about travel insurance coverage and the UStiA, press releases and research results. The very first thing we normally do when planning a vacation is to look for travel businesses that supply bargain packages. Summing all these we're in total saved from the strain of reserving ticket for our travel which we get while visiting the physical reservation counter.
He has researched and studied the online travel business for the previous 10 years. Tour Operator India variety of travel lodging sorts available is simply thoughts-blogging, and even within every sort there can be numerous variations. These corporations provide yacht finding and travel organisation companies similar to travel agent solely extra specialised. With so many issues to do and see in Marinduque, it's no surprise, then, that the province is close to the center of travelers.
Now, let's focus on about Travel Agent from Gross [email protected] and simply the way it might aid you. The whole value for the great coffee from espresso travel mugs could be $20.00 (the acquisition of a great thermal mug) + $zero.20 (the price of beans) X 2 serve per day X 12 months = $166.00. With all these advantages you'll absolutely need to purchase expat travel insurance coverage when you find yourself traveling overseas for work.
Keep away from the on-the-go temptations by making a point to eat something before you allow or pack some travel snacks equivalent to almonds and dried fruit to assist curb your appetite. This journey for 2 adults was priced at about $890 through the Dream Journeys product with World Ventures and Travelocity got here in around $1050. When to travel by airplane or automobile with a toddler, be sure to have enough fun things to keep them occupied.
Finding that compassion inside of ourselves for others (your fellow human beings…) is likely one of the greatest benefits of traveling. The Tremendous Visa's most tough requirement is probably the need to purchase an insurance coverage. Testing the varied deals and reductions offered by Skylux Travel will shock clients to no finish.


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Create a guide for the new social worker for about how to reflect on their practice. The guide must include the headings listed with an explanation of each.
- What is reflective practice?
- Why is reflective practice important?
- How reflective practice contributes to improving the quality of service provision.
- How standards can be used to help a social care worker reflect on their practice.
This guide is intended for new starters at Care Company Ltd to explain the concept and importance of reflective practice in your role as a social care worker.
What is reflective practice?
Reflective practice is a technique that uses your experiences as a social care worker to help you to improve the way that you work..
You can use reflective practice in all aspects of your work but it is most useful following particularly difficult experiences. All you need to do is think about an aspect of your work (what you did, how you felt when you were doing it) and then critically analyse your actions and ask yourself how you could have done it better. Next time a similar situation arises, you can use the knowledge you have garnered from your reflective practice to aid you. The image below depicts a typical reflective cycle:
Why is reflective practice important?
Reflective practice is a vital skill to have in the health and social care sector because we want to continually strive to improve ourselves and the services that we provide. By analysing the way we work, we gain valuable insights into what we are doing and how we might do it better.
For example, John is a Support Worker for Client X. One evening after dinner, Client X refuses to do his washing up, despite John persistently prompting him to do so for 5 minutes, so John does his client's washing up for him. Before going to sleep, John runs through these events in his mind and asks himself how he was feeling at the time. He acknowledges that he felt tired as he and Client X had been on a long bike ride in the daytime. And because he was tired, he didn't want to get into a long debate about why his client should do the washing up and thought it would be easier if he just did it himself. It then occurs to him that his client was probably also very tired from their bike ride and that may be the reason he didn't want to move off the sofa. He also remembered that his client is generally very neat and tidy and probably wouldn't have been comfortable going to bed with dirty plates at the sink. On reflection, he deduced that it is very likely that Client X would have done his washing up before bed (if John hadn't of done it for him). John concludes that he shouldn't have done the washing up and should have left it for Client X to do in his own time instead. John makes a mental note to leave the washing up next time Client X refuses to do it.
How reflective practice contributes to improving the practice of service provision
Reflective practice can be used to continuously improve not only your own practice but the practice of your service as a whole. By sharing the insights that you and others have gained from your own reflective practices you can work together to change the way you work for the better. And, as everybody improves their work, by using reflective practice, the entire service provision improves.
How standards can be used to help a social care worker reflect on their practice
Standards can help you use reflective practice because they can provide you with the core values and guidelines within which you should work. For example, the Code of Conduct for Healthcare Support Workers and Adult Social Care Workers in England provides guidance about how care workers should work and act in a compassionate and safe way. During your reflective practice, you should ask yourself if you are working within these guidelines and if not, then you can ensure that you adjust your practice to be in line with it next time.


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Key words:landscape architecture; digital city; three-dimensional scene; landscape planning; fine design; GIS
Abstract:There are a lot of problems in traditional site-situation 3D model building technology, such as high technical threshold, long operation period, heavy workload and limited accuracy. These problems constrain the application of digital city technology in the landscape design field. Along with the continually increase requirement of urban development for landscape design and more complexity of the site condition, there appears new research hotspots in landscape design on how to realize the delicate analysis and create more visual landscape design plan for comparison, so as to improve the accuracy and operability of landscape design. This paper has been setting up based on the technology experience of building digital city. It introduces the technology abouthow to obtain the image informationon the surface using unmanned aerial vehicles and build 3D real-scene models. Thus, it could realize the 3D spatial analysis and fine design specific to the site.The result shows that 3D real-time model has many advantages such as fast, visual and accurate, thus it could come into play in all kinds of phases in planning and design.


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Hai helo haluuuu people!
I am so happy finally it's holiday.
Though it's just one week break but I feel like I needed it so much.
One week is enough for me to catch back my breath and feel free for at least a while.
So,happy holiday to friends from other uni.
Spend your holiday well.
Get busy later cause now is ENJOY & RELAX TIMEEEEE :)


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Once the wounded were tended to, we decided to check out the tunnel the creature used to enter the courtyard. Interestingly, it was not a recent excavation. In fact, the tunnel had been dug at least 20 years ago. At about this time, Cmmdt. Bonaduce excused himself to take care of a wereshark attack at the harbor. It appears as though the attacks had been coordinated. As we were discussing whether to explore the tunnel, Zarine noticed that Zander and Chambers were exchanging knowing glances, as if they recognized the tunnel. Zarine questioned them about it. While it was obvious that they knew something, they were reluctant to share any information. Shortly thereafter, Zarine hear the words "Talk to Donovan" waft by on an errant breeze. Figuring that this was sent by either Zander or Chambers, we headed out to the Broken Skull to find Donovan (Shakes).
We found Donovan drinking with his ½ Orc buddy. He seemed eager to discuss the tunnels with us, but for some reason was compelled not to. Unable to speak about it directly, he made a number of vague references to a very attractive, youthful looking older woman (Mary Black?), the fact that no one knows who brought the veil down and who were the first explorers here, and the black hand (servants of the 3 Kings). Shakes then excused himself and quickly returned with a small sack. He gave us the bag, telling us that we can use it to find someone who can help us. We accepted his gift and headed back to our home.
Upon returning home, we upended the sack to reveal a 12 sided container. Each side held a magical rune. We intuited that the runes were a form of magical combination lock. After a couple of aborted attempts, we finally get the combination correct, and opened the container. Inside we found a matching pair of wands (break enchantment and deathward), 3 divine scrolls (remove curse, scry and heal), a small silver box etched with skeletons, containing 4 grave candles (summons a spirit to answer questions), a leather portfolio embroidered with a "W", containing a personal journal and a letter, oh…and a screaming severed head.
We examined the journal, which happened to be a 20 year old account ledger for Delve Haven. Delve Haven was the headquarters of the first expeditionary force sent by House Tross to explore the recently accessible new continent. The group of adventures in the expedition called themselves the Waverunners. While the entries in the ledger were fairly vague, it was apparent that there were some accounting discrepancies. The ledger also contained a list of missing Waverunners, including Solomon Trafalgar (possibly a relative of the priest, Zalen).
The letter provided more information. It was written by Major Vheed, who was investigating the Waverunners. He had discovered that the Waverunners brought something back from the Elven ruins they were exploring, and this caused a huge problem. In fact, the Waverunners had to seal Delve Haven because of it, leaving someone named Sevastion trapped (and possibly still alive). He interrogated the surviving Waverunners, but was unable to pry any information out of them. He specifically mentioned that both Zander and Aaron were present when the grave portal was unlocked, and that they were both hiding something. While he was frustrated by the Waverunners' lack of cooperation, he was hopeful that the grave candles would provide more information. Specifically, he wanted to use them to speak with deceased Waverunners. Donetllas Bilsby, the leader of the expedition, supposedly had knowledge of a magical artifact, but was sealed in the lower vaults (volunteered?) as the others fled Delve Haven. Coreanne Heavensgate was slain when the portal opened. Her remains were collected by the Sisters of Eiseth, a devil-worshipping assassin cult. Loremaster Leriam was believed slain, his remains still trapped in Delve Haven. He authored a poem called Cugny's Wedding, which may be a cipher. Captain Solomon Trafalgar ordered the sealing of Delve Haven, his status was unknown.
Along with the letter was a torn out page containing a poorly worded poem, Cugny's Wedding, as well as notes for trying to break the cipher. Using the extra syllable found in every 12th line, we uncovered another poem within the original called "Wave Door". It gave vague references to directions that lead to the Wave Door, the entry point for Delve Haven,which was sealed with a portal key. We worked out that the Wave Door is close to the Lost Cove, where the Dead Gods are. There is a black sand beach on the northeast shore, with the door located 300 feet northeast of the beach, submerged in the water. Using the maps the Tulita gave us, we believed that we could find the location.
We finally questioned the severed head. It belonged to a devil assassin of Mollach. She worked for Major Vheed, and used to live in Delve Haven. She was also slightly insane. Getting cogent information from her was difficult and she eventually sunk into a catatonic state.
Given our choices, we opted to use the candles to question the deceased members of the Waverunners. The easiest one to contact was Coreanne, as her remains were being held by the Sisters of Eiseth in a deserted part of Sentinel. We sought assistance from the Fendrillers, as they had useful intel. We assaulted the headquarters of the Sisterhood, an abandoned mortuary. After combating a fire elemental and 5 Sisters, we were able to search the ossiary, and collect Coreanne's remains. We also realized that one of the Sisters was not present, so we leave evidence suggesting that the attack on the house was done by the Minochs, a local crime family.
Having retrieved Coreanne's remains, we returned home, lit one of the grave candles, and summoned her spirit. She spoke of the Waverunners, and their life in Delve Haven. In addition to the members we already knew of, she mentioned Jilliere Ramirez, a curly-haired, dark skinned woman, Donaovan Montgomery and Belloch, Shakes' ½ Orc friend. She said that Delve Haven was located deep underground, and was accessible through tunnels from the Undercity. One of these tunnels connects with the runed metal door similar to the one in the basement of our house. That door was believed to lead to the palace of the Day King. In their explorations of the new continent, The Waverunners came across 6 spheres that radiated powerful chaos magic. They recovered the 6th sphere in the Elven ruins they had been exploring. Solomon believed that the spheres were somehow keyed to the Black Hand, arch magi of the 3 Kings. As such, he advised against activating them. Aaron and Zander, arch mages in their own rights, believed that they could safely use the spheres, potentially gaining great power and knowledge. So, they performed a ritual to activate the spheres. Coreanne was elsewhere in Delve Haven during the ritual, however, after it was completed, she heard the sounds of magical battle. She witnessed 2 women emerging from Delve Haven. One was a native. The other had bone white hair. Shortly thereafter, a dark ash cascaded from the sky, killing anything it touched. Coreanne's last memory was of the dark ash falling on her.
Acquired items:
Magical Combination lock box
Divine Scrolls – Remove Curse, Heal, Scry (Granan)
3 Grave Candles – Speak with Dead, only need portion of body (Granan)
Wand of Break Enchantment – 8 charges (Tobin)
Wand of Death Ward – 7 charges (Tobin)
5 potions of Lesser Restoration (one to each of us)
10 vials of black adder venom
5 bladed scarves – favored weapon of Sisters of Eiseth
5 crossbows


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Cycling Physics While Cycling
Lets Ride! Introduction Video Sequence Available Here
Cycling Physics While Cycling
Goal #1 Explore Physics Work, Power, & Energy Dynamics. Angular & Linear Momentum – Balancing Torque Management – Gear systems Advanced Kinematics – Motion Analysis
Goal #2 Demonstrate Discussed Topics Seven hour bike ride in classroom. Maintain ~ 20 mph pace. (Ultimate goal = ~140 miles) Mandatory stretch break once per class. Bathroom breaks permitted! Additional stoppage allowed but ultimately reduces time to reach goal.
Goal #3 Monitor Physical and Biological Progress The following real-time information will be projected continuously for all to see: 1.Accumulated Mileage (miles) 2.Current Speed (miles per hour) 3.% of Max Heart Rate (based on 185 beats per minute) 4.Cadence (pedal strokes per minute)
Goal #4 Introduce the Seminole Cyclists Support American Diabetes Associations Tour de Cure Campaign Official 100 mile event is February 28 th. This is my warm-up! 100% of todays sponsorship will be passed to ADA for the February event.
Target Audience Primary Students of Mr. Luther Davis Physics Teacher, Lake Mary High School, Florida Material is integrated into Physics Curriculum Students of Lake Mary High School Additional Seminole Cyclists of Central Florida Fans of Cycling Fans of Physics
Cycling Physics
Work - Amount of energy required to accomplish a physical feat Newtons 1 st Law implies that once in motion, motion is maintained naturally. If cycling at a constant speed, why does the rider still have to do work?
Work Riders battle effects of air resistance and friction. If moving at a constant speed, the FORCE that a rider provides for forward motion is exactly equivalent to the sum of all resistances and frictions. This includes air/bike, air/rider, tires/road, chain/sprockets, bearings, etc.
Work Work = Force X Distance Force is provided by the rider via the drive train to the road to counteract resistance. Distance is the distance traveled. More Force or Distance means more work done.
Power - The rate at which work is accomplished If much work is accomplished in a short time, much power is produced. If little work is accomplished in a long time, little power is produced. Power = Work / Time Power has units of Wattage or Horsepower.
Power Most riders hover around 250 Watts (~0.3 hp). A sprinter may generate 2000 Watts (~2.5 hp) for a few seconds.
Power If a rider can reduce power and still be fast, they are efficient. One way to accomplish this is to sit in a more aerodynamic position.
Power Power is the best measure of a cyclists effort. However; it is difficult to measure the force a rider exerts providing forward motion. Electronic meters in rear wheels can measure power directly via sensors. Very expensive.
Power Heart Rate – Another Measure of Power Heart Rate also indicates the power effort of a cyclist. A greater rate indicates a greater effort. However; heart rate data is fickle; it is affected by other factors such as stress, temperature, and sickness.
Power Heart Rate – A cheaper alternative Many sports watches offer heart rate monitoring. My chest sensor measures electrical impulses of the beating heart. I use percent of maximum heart rate to gauge my effort.
Power Heart Rate – What percents mean to me! 24% = Resting Heart Rate (44 bpm for 185 bpm maximum) 60% = Easy…Easy workout (111 bpm) 70% = Easy workout (130 bpm) 80% = Moderate difficultly workout (148 bpm) 90% = Hard workout, on verge of lactic threshold (167 bpm) 90% - 100% = Sprinting, unable to fully recover during ride.
Power Todays Plan… Traveling nearly 140 miles, I cant say Lets do a 85% workout! I plan to stay around 75%. I will NOT conduct sprints or intervals during the event. I would not fully recover and my ultimate goal would be in jeopardy.
A Stationary Bike is Unsafe A bike is unstable when not moving. It only has two contact points creating a line. It has no base for support. Consider the difference between a two and three legged chair!
Balance A Moving Bike is Stable Angular momentum keeps wheels behaving like gyroscopes. Angular momentum is a property of spinning objects. The bicycle wheel wants to maintain the same plane of orientation as it spins.
Balance More about Angular Momentum Effects Additionally, a wheel will naturally steer itself back under the center of gravity as a bike begins to lean. This effect helps maintain bicycle balance.
Balance Linear Momentum Effects Linear momentum is a result of an objects inertia. As a bicycle and rider travel, they themselves have a tendency to maintain the same travel path. Manual steering helps keep wheels under the center of gravity as well.
Balance Which of the two momentums am I taking advantage of today? How is it that the other is not being utilized? Do you think this makes it more or less difficult to ride on this apparatus as compared to the road?
Torque – A rotational force Muscle force pushes pedals at a point away from a shaft causing the shaft to rotate. Torque = Force X Lever Arm Distance Bigger Force = Bigger Torque (the pedal length is not changed) Torque is transferred to the rear wheel. The wheel then places a force on the road. The bike moves forward.
Torque - Gearing Torque is managed through a bicycles gearing system using four major components: Rear SprocketsFront Derailleur Rear DerailleurFront Sprockets
Torque – Gearing My Bike… Three sprockets up front with 52-39-30 teeth. 10 sprockets in rear with 12-13-14-15-16- 17-19-21-23-25 teeth. Combination yields 30 gear ratios. Derailleurs move the chain from sprocket to sprocket. Derailleurs controlled by hand shifters.
Torque - Gearing Adjusting gears can control how much force one needs to apply to pedals for motion. At one extreme, one pedal rotation = 4.33 wheel rotations (high gear). This produces great speed but requires great force. A cyclist may use this when going with wind or downhill. At the other extreme, one pedal rotation = 1.2 wheel rotations (low gear). This produces small speed but requires small force. A cyclist may use this when going against wind or uphill.
Gear Ratio & Data Chart Shifting Pattern Used Sprockets Distance Traveled per Pedal Rotation Pedal Rotations per MileGear Ratio 1 30x258' 8.05"608.91 : 1.20 2 30x239' 5.10"560.21 : 1.30 3 30x2110' 3.87"511.51 : 1.43 4 39x2511' 3.26"468.41 :1.56 5 30x1911' 4.91"462.81 : 1.58 6 39x2312' 3.03"430.91 :1.70 7 30x1712' 9.01"414.11 : 1.76 8 39x2113' 5.03"393.51 : 1.86 9 30x1613' 6.58"389.71 : 1.88 10 30x1514' 5.42"365.41 :2.00 11 39x1914' 9.98"356.01 : 2.05 12 52x2515' 0.35"351.31 : 2.08 13 30x1415' 5.80"341.01 : 2.14 14 52x2316' 4.04"323.21 : 2.26 15 39x1716' 6.92"318.51 : 2.29 Shifting Pattern Used Sprockets Distance Traveled per Pedal Rotation Pedal Rotations per MileGear Ratio 16 30x1316' 8.10"316.71 :2.31 17 39x1617' 7.35"299.81 :2.44 18 52x2117'10.71"295.11 : 2.48 19 30x1218' 0.77"292.31 : 2.50 20 39x1518' 9.44"281.11 : 2.60 21 52x1919' 9.31"267.01 : 2.74 22 39x1420' 1.54"262.31 : 2.79 23 39x1321' 8.12"243.61 : 3.00 24 52x1722' 1.22"238.91 : 3.06 25 52x1623' 5.80"224.81 : 3.25 26 39x1223' 5.80"224.81 : 3.25 27 52x1525' 0.59"210.81 : 3.47 28 52x1426'10.06"196.71 : 3.71 29 52x1328'10.83"182.71 : 4.00 30 52x1231' 3.73"168.61 : 4.33 Largest Front Sprocket Smallest Front Sprocket Medium Front Sprocket
Torque - Gearing Cyclist like to maintain a certain effort and pedal rate. I personally like to stay around 90 rpm. Using the gearing system I can maintain my comfort levels over the various terrain a wind speed changes. In essence, I keep Torque the same, always finding a compromise between Force and Distance (T = F X d).
Kinetic Energy
Kinetic Energy is Energy of Motion KE = ½ mv 2 Changes velocity, result in KE changes. A doubling of speed (ex. 15 mph to 30 mph) produces four times as much kinetic energy. Air resistance also has a square effect on force. Result: Cyclist do four times as much work every time they double their speed!
Analysis of Motion For long distances where constant motion is prevalent, d=vt is sufficient. For sprints, accelerations and braking, typical kinematic accelerations can be applied: v f = v i + at d = v i t + ½ at 2 d = ½ (v f + v i )t v f 2 = v i 2 + 2ad
What Do I Think About When Riding?
Yep, Advanced Kinematics On many rides, cyclists set a goal average speed. It can be hard to achieve, especially when going with and against the wind at different times on the same ride. Scenario… I want to cycle 80 miles and average 20 mph. I go 40 miles to New Smyrna from Longwood against the wind and only average 17 mph. How fast must I cycle back?
Advanced Kinematics Answer: Some may think 23 mph… Not the case. The 17 mph half outweighs the effect of the 23 mph because it takes more time than the 23 mph half. The effects are not equal, therefore they would average to something under 20mph. I must cycle faster than 23. How much?
Advanced Kinematics Curiosity got the best of me and I developed the following equation: Where v Back = required velocity coming back to get a desired average velocity (v Avg ) after going out with velocity (v Out ). For my scenario, v Back = 24.3, not 23 mph. Equation works for hills also!
Advanced Kinematics 1616.51717.51818.51919.52020.52121.52222.523 8 XXXXXXXXXXXXXXX 9 72.099.0XXXXXXXXXXXXX 10 40.047.156.770.090.0123.3190.0390.0XXXXXXX 11 29.333.037.442.849.558.169.785.8110.0150.3231.0473.0XXX 12 24.026.429.132.336.040.445.652.060.070.384.0103.2132.0180.0276.0 13 20.822.624.626.829.332.135.339.043.348.554.662.171.583.699.7 14 18.720.121.623.325.227.329.632.135.038.342.046.351.357.364.4 15 17.118.319.621.022.524.125.927.930.032.435.037.941.345.049.3 16 16.017.018.119.320.621.923.425.026.728.530.532.835.237.940.9 17 15.116.017.018.019.120.321.522.924.325.827.5184.108.40.2065.5 18 14.415.216.117.018.019.020.121.322.523.825.226.728.330.031.8 19 13.814.615.416.217.118.019.020.021.122.323.524.826.127.629.1 20 13.314.014.815.616.417.218.119.020.021.022.123.224.425.727.1 21 12.913.614.315.015.816.517.318.219.120.021.022.023.124.225.4 22 12.613.213.914.515.216.016.717.518.319.220.121.022.023.024.1 23 12.312.913.514.114.815.516.216.917.718.519.320.221.122.023.0 Chart summarizes results of the equation. Intersections show required downhill or back velocities. The blue intersection is from the New Smyrna example. X indicates – Impossible! First Column = Uphill or Out Velocity (mph) Top Row = Desired Average Velocity (mph)
Cycling Physics Thank you for your attention. I wish to address any further questions at this time.
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This is coming out this summer and I cannot wait to get it! I thought P90X was hard, but this looks literally insane. If you want to test your physical limits let me know. Visit my website at www.teambeachbody.com/fit2bhappy, or email me at firstname.lastname@example.com
Wednesday, May 6, 2009
7 comments:
Hi Lyenna! I need your email address so I can invite you to our private blog. My email addy is s t a s h a k e m p a t h o t m a i l . c o m. Miss you.ReplyDelete
hey its my boy from Hip Hop Abs! love it and i would love this too.ReplyDelete
I've been running again every so often. Luckily my knees havn't complained yet; probably because I lift weights.ReplyDelete
I looked up the army fitness req for a gal my age, I barely pass in running. I'm not so impressed with that. How much is that drink shake?
That sounds awesome!!!! I would love to hear more about it!ReplyDelete
Man...where did we get you kids?! What a motivator you are!!!!! Can't wait to hear more about this!ReplyDelete
Lyenna, You are awsome!!! Love you so much!! I love my cake and eat it too. I think grandmas should be fluffy dont you?? I wish I could just plug into you while you work out. Love ya MomReplyDelete
I am so excited for this, my friend and I are on the waiting list to buy it. Like you I actually like being insane! :)Do you get benefits if we buy it through you? Let me know.ReplyDelete


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Linguistics is fundamentally about the scientific study of language.
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An online degree course is an affordable and generally accepted way to study this complex and fascinating subject. Course content is delivered in a high-tech format, and through an online environment. As web based learner you will undertake projects in sound, grammar, and explore the benefits of language as a means of communication.
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This is a resource page that will give you useful information about what you can expect to learn on an accredited online linguistics degree course. It also lists links to a selection of popular and relevant online degrees that are run by established US universities. We have focused on North America because at present most English language online courses are run by academic institutions based in the United States of America. Through the links on this page you will find out about the:
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On Friday I was amongst a group of local councillors and community leaders invited to attend David Cameron's speech on social justice which he gave at the Sunlight Centre in Gillingham.
This was the second visit to Medway for David Cameron, the man who will, I hope, be our next Prime Minister, in as many years. For me the most noticeable thing about David Cameron's visit this time, setting aside the speech for one second, was the manner in which David was able to communicate the Conservative message to those present.
It certainly seems that the 50+ Cameron Direct meetings David has undertaken up and down the country over the past couple of years have certainly put him in good stead for the forthcoming live television debates between the party leaders. I certainly can't see Gordon Brown being able to communicate so effectively, let alone give a straight answer.
Following David's poignant speech on social recession in which he cited the absolutely shocking case in Doncaster, members of the audience were invited to take part in a Q&A session.
One of the most frequent complaints I hear through my work as a councillor in the Rochester West ward is the level of anti-social behaviour and rowdiness on Rochester High Street caused by alcohol. As a High Street resident myself I am only too well aware of the misery this causes to local residents on, mainly, Friday and Saturday nights. Despite the best efforts of our local Police to ensure people are able to enjoy the many and varied pubs and bars in Rochester in a friendly and sensible manner, and the sterling effort of all the volunteers who man the SOS Bus, there is still, unfortunately, a small element who seem hell-bent on inflicting misery on the decent, law-abiding majority.
So I was glad to hear David Cameron confirm, in response to my question, that, if the Conservatives are elected to power, we will take the necessary action to amend the licensing law, giving the Police more power to intervene, more power to local authorities to clamp down on irresponsible pubs, and, if necessary, to tackle the problem of shops selling alcohol at less than cost price.
This last point should also help the many pubs in Rochester and Strood who simply can't compete with the large supermarkets on their doorstep selling alcohol at hugely discounted prices.
Of course, no-one should be under the illusion that merely changing the licensing law will somehow miraculously repair the damage caused through Labour's sustained assault on the moral fabric of our society. Unfortunately there is no silver bullet. It will take a lot of hard work and sweat to undo 13 years of rampant social engineering, but, as with all things, we have to start somewhere. I am confident that, thanks to the great work that has been done behind the scenes by the likes of former Conservative leader Ian Duncan-Smith, we are the only party ready to tackle head-on the problems that are blighting our society, and the future hopes of all our children.
With the general election now looming on the horizon, the choice for residents of Rochester and Strood is becoming increasingly stark. Vote for more of the same, or vote for the real change our constituency needs. As David Cameron said in his own words, "The Government won't do it but we will."
Nimbus Lighting, 144 High Street, Rochester, Kent ME1 1ER.
Great Lighting At Great Prices.
Tel: 01634 407724
Monday, 25 January 2010
David Cameron In Medway
Posted by Mark Reckless at 14:00
Labels: broken society, conservatives, david cameron, mark reckless, rochester and strood, save the great british pub
1 comment:
- Paul said...
What a pity that his visit was not promoted. I'm sure the hoi polloi would have liked a glimpse of him. What a missed opportunity
- 25 January 2010 at 15:36
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A new trailer for Ghost in the Shell has been released.
The production is based off of a popular Japanese manga series that also had an animated version come out in 1995. This new version stars Scarlett Johansson, Pilou Asbæk, Michael Pitt, Takeshi Kitano, Chin Han, Lasarus Ratuere and Juliette Binoche. It will be released on March 31st, 2017. Check out the trailer below.


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A Wimbledon of pain for Murray and joy for Querrey
By Art Spander
WIMBLEDON, England — Yes, Andy Murray, the defending champion, the Olympic champion, the No. 1 player in the world, was hurting. You could see it in his walk. You could see it in his grimace.
But maybe what you couldn't see was the progress of Sam Querrey, who for the first time in a career that's been going more than a decade has made to the semifinals of one of tennis's four biggest events, arguably the biggest of those four, the All-England Championships.
Querrey, the hang-loose guy from southern California, beat Murray 3-6, 6-4, 6-7 (4), 6-1, 6-1 on Wednesday in a quarterfinal that maybe, considering where it was held, on a Centre Court surrounded almost entirely by Murray fans, was a shock. Or, acknowledging Murray's aching right hip, wasn't shocking at all.
Murray had made it through four rounds, had the lead in this round, needed only one more game to advance. But either the hip that he said has bothered him for years, if not as seriously as in the last month, or Querrey wouldn't allow Andy to get that set.
Injuries happen. You play with pain. That's a cliché of sport, a truism. Or if you're unable, you withdraw. Which is what Novak Djokovic did in the second set of his quarters match Wednesday against Tomas Berdych because of his right elbow. "Unfortunate I had to finish Wimbledon that way," Djokovic said.
He was the 2015 (and '14 and '11) winner. Murray was the 2016 (and '13) winner. So the men who took the last the last four Wimbledons (and five of the last six) are out of '17 because of injuries. The body takes a beating. You gut it out, or you pull out.
"If you play," Venus Williams said here a few years ago, "you're not hurt. If you're hurt, you don't play."
Murray was hurt, and he did play. No champion wants to let his title go without a fight. "I tried my best," said Murray, who will not slip from the top of the rankings. "Right to the end. Gave it everything I had. I'm proud about that."
And then he said something that shouldn't be overlooked, about the competence of his opponent. "Sam served extremely well at the end of the match," said Murray. "You know. Loosened up. Was going for his shots. Nothing much I could do."
There was plenty Querrey could do. As Murray said, Querrey served well. He had 27 aces, compared to Murray's eight. That's always been Sam's game, power.
He's always had potential, too. Standing 6-foot-6, he turned pro out of Thousand Oaks High instead of going to USC, mainly because his father, Mike, thought about his own decision.
Mike was a ballplayer. He had a chance to sign with the Detroit Tigers out of high school but instead enrolled at Arizona. "I didn't want to ride the bus to Shreveport." Mike told the New York Times. After college, he married and went to work in Northern California, where Sam was born. Then Mike tried to restart his baseball career, but he couldn't.
The memory haunted him. He didn't want Sam to make a similar mistake.
Sam's career has been acceptable. But it was supposed to be remarkable. Finally last year he beat Djokovic, the defending champion, in Wimbledon's third round. Now he beats Murray, the defending champion, in the quarters.
"It's a really big deal," said Querrey. "For me. It's my first semifinal."
Where on Friday he'll meet Marin Cilic, who beat Gilles Muller, the guy who upset Rafa Nadal.
In the other semi, Roger Federer faces Berdych. Federer has won 18 Slams, won Wimbledon seven times. Cilic won the 2014 U.S. Open. Berdych was a Wimbledon finalist. They've been there, done that.
Sam Querrey still is trying.
"I was probably a little more fired up (Wednesday), especially in the fourth and fifth sets," said Querrey. "There's a little more on the line."
Querrey said he didn't intentionally attempt to take advantage of Murray's injury. "Not at all really," affirmed Querrey. "I kind of noticed it a little bit from the beginning. But I just stayed with my game. I tried to stay aggressive. I didn't want to alter my game and get into those cat-and-mouse points because that's where he's really good.
"I just kept my foot down and just kept trying to pound the ball."
And Murray couldn't respond.
"Not many people get to play tennis professionally," Querrey said, "let alone play at Wimbledon, play on Centre Court, play against Andy Murray. It's something that few people get to do, so it's really special. Really proud."
He should be. As Andy Murray, battling against his body, should be.


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It's a Sunday and we know there are a lot of stories in the Sunday papers that are probably lacking in accuracy, and we saw the story from Alan Oliver, the former Chief Sports journalist of the Evening Chronicle, in the Sunday People last night, and it's hard to believe and it seems a story of dubious accuracy.
Mike Ashley and Joe Kinnear
The story is that Joe Kinnear went on a scouting trip to Birmingham to watch a Capital One Cup game against Swansea in which Shane Ferguson, who is on loan there for the season from Newcastle, had a particularly good game, and Joe asked Birmingham officials about the youngster, and was told he was already a Newcastle player.
This is what a Birmingham City source told Sunday People Sport:
"Ferguson had a particularly good game that night and Joe Kinnear told one of our officials he was interested in signing him." "At first our guy thought he was joking but then he realised Kinnear did not know Ferguson was already a Newcastle player."
The 22-year-old is a good young player, although he's been on the bench for the last few games, but since Joe Kinnear's job is to bring on the younger players at all levels, like sending them out on loan, and bringing good players into the club, it really is hard to believe this actually happened.
And there's the backdrop to the story of the local Chronicle, Journal and Sunday Sun reporters still being banned by Mike Ashley, which is ridiculous, so maybe there's a move afoot in the press to further embarrass Joe Kinnear and Mike Ashley.
Maybe the story is true, but there's as much chance of it being true as Newcastle had of beating Chelsea 2-0 yesterday, so there's a chance, a small chance of it being true we suppose. 😀
But the sooner this particular standoff between the Newcastle owner and the local papers is brought to an end, the better it will be for everybody connected with the Newcastle club, especially after the stellar performance of the team yesterday, in beating a very good in-form Chelsea side and to deserve the win too.
But that move must come from Mike Ashley, since he started this standoff.
What do yo think?
Comments welcome.
20 comments so far
And some decent passing along the way. They continued with the fight and spirit from the Man City, pre ST, too. Lovely stuff.
Right, to the shops, got a Sunday Roast to buy for.
Join us at 2pm for an exclusive episode of "burning the house down with Ibizatoon"…you won't see this story in the chronicle, the naughty boys and girls
As tads says, this is not a new story and it was posted on here a few weeks ago by someone who was given it by a Birmingham fan.
Scottie, you give Kinnear too much credit by saying Kinnear might have been watching Ferguson as one of our loanees – given that he seems to work from home (yes, I'm sure many of us utter a questioning cough when we hear that particular term), chances are he wouldn't know Darrem Ferguson from his very close friend, Alex.
Can we be sure he knew what day it was let alone where he was and why?
But the point is, Ashley and his junta who seem oblivious to the practicalities and ramifications of playing games with the media, need to take a reality check especially when Kinnear, a public face of Newcastle United's wandering the streets unaccompanied.
Surely Wendy Taylor should have or did caution the idiots and if do, was probably ignored by they who know best?
There's no doubt they've made a big mistake that'll just become compounded as time goes on.
What goes around…. comes to mind.
What is more worrying is Oliver was prepared to sit on this story until it became convenient in the ongoing battle with the Ashley regime to release it. Why has this story, which has whiskers on it, only appeared now?
TBH, I think the papers are not blameless. The coverage of the Time4 Change march was disproportionate and the likes of Ryder and Oliver need to get over themselves. The fact is, with the internet coverage, it is only Grandad who may be missing out on a few tidbits. The papers can't wring their hands and squeal about free speech when they are willing to stow a story to gain favour and release it when it suits them.


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Every now and then you will have an absolutely perfect day, when things just really couldn't have gone any better. More often than not, however, you will have days when things could have gone a LOT better. And such is life. Is that a reason to go moping about? No way. Now, not everyone is going to look at life's little speed bumps and immediately be grateful for the lessons that have been handed to them. In fact, most of us have most likely tripped over those speed bumps, been flung face first into the gravel, and are sitting on the ground grumbling. And that's normal, maybe even a little healthy. Sometimes you just need to growl a little bit. But you can't sit there grumbling for too long. After all, what's that going to get you? A sore bottom at best (especially with the Texas sun beating down on that asphalt.)
So, pick yourself up, dust yourself off, take a deep breath and consider if you can take away a life lesson from the incident. Maybe you can immediately, or maybe it is something you will come to realize later on. Then… move on. And if you are still feeling a little grumbly, consider the following:
"If you don't get everything you want, think of the things you don't get that you don't want." ~ Oscar Wilde ~
"You can't always get what you want But if you try sometimes you just might find You get what you need." ~ The Rolling Stones ~
Changing your perspective can help change your attitude. And besides, it's hard to argue with those words of wisdom now, isn't it? 😉


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What is search engine optimization in Gastonia, North Carolina?
This really is the procedure of improved the visibility of a website on organic, i.e. unpaid and natural search engine result pages. This entails using search engine friendly components in the website. A successful search engine optimization effort and Search Engine Optimization service would have attentively incorporate unique and applicable keywords which the on-page optimization would help highlight for the algorithms that search engines employ.
There are essentially two special areas of search engine optimization.
This includes elements like the web page, the HTML code, the written content and pictures. All of these components should be geared towards making the website as user friendly as possible.
This mainly refers to backlinks, i.e. the links pointing back towards the site which needs visibility from other important websites.
What is search engine optimization, is a question that can best be answered so - It's your best tool to get the maximum traction online and also to keep your search engine positions high.
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Hudson River SEO Services provide you the most comprehensive SEO optimization services, and organic Search Engine Optimization services inGastonia, North Carolina. To know more about our SEO services contact us now.


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It is just like the Michael Jackson song She's Out of My Life, with less emoting.
Linda Hanson (Sandra Bullock) has a beautiful house, a loving husband and two adorable daughters.
One day Linda gets a knock on the door and she is informed by a policeman that Jim died in a car accident. So at first it is Wednesday but then it is Tuesday and then it is Saturday and so on. Later she lives the day that it occurred on and she finds out how it happened.
Anyway, the point of the movie is to live and love every day because you do not know how much time you or anyone else has on this earth.
He joined the cast of the WB's supernatural hit show Charmed, playing the conflicted half-demon/half-human Cole Turner from 2000 to 2003; he returned for one episode in 2005.
Following Charmed, Mc Mahon's next role was playboy plastic surgeon Christian Troy on the FX series Nip/Tuck.
Mc Mahon played the lead role in Nip/Tuck, alongside Dylan Walsh throughout the entire series' run.
He became known as a model in various fashion capitals, such as Milan, London, New York City, Rome, and Paris.Her life is perfect, until the day she receives the devastating news that her husband Jim (Julian Mc Mahon) has died in a car accident.When she wakes up the next morning to find him alive and well, she assumes it was all a dream, but is shaken by how vivid it felt.Mc Mahon's work in television, particularly with Nip/Tuck and Charmed garnered him more success.The former series won an Emmy Award and a Golden Globe Award.In addition to modelling, he began an acting career in commercials, including one for Levi Strauss jeans.


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The production week schedule will include
Tech / Dress rehearsals Monday - Thursday with
performances Friday 6:00 PM, Saturday 2:00 PM and 5:00 PM.
Tuition: $450 / semester
August 15th - August 31st
Tuesdays 4:15-6:15 PM and Thursdays 4:00-6:00 PM at Second Story Studio
Thursdays 4:00-6:00 PM at Second Story Studio
Production Week October 2nd – 7th, 2017
Mon – Thurs 4:30-8:30 PM
Friday 4:30 PM Call, 6:00 PM Performance
Saturday 2:00 PM and 5:00 PM Performances
Tech week rehearsals and performances will take place at Eakin Elementary Theatre.
There will be some additional Sunday rehearsals for students with principle roles.
- - - - - - - - - -
FALL MUSICAL THEATRE CLASSES at Second Story Studio
Beginning Thursday October 19th - December 7th, 2017 at Second Story Studio
4:00-5:00 PM – Beginner / Intermediate Musical Theatre Class
Ages 7-10
5:00-6:00PM – Advanced Musical Theatre Class
Ages 10-18 – under 10 must have prior experience and director's permission
These classes will meet on Thursdays from October 19th – December 7th, 2017.
This one-hour class will focus on technique for all three components of Musical Theatre -singing, dancing and acting.
Students will learn music from popular Broadway shows with choreography and scene work leading into the songs.
This class will offer an opportunity for students to learn new music, work on "part singing", venture into more difficult choreography, and hone in on their acting skills.
Tuition: $90 for the 6 week course.
PRODUCTION CLASS - Open to ages 8-18
Seussical, Kids
NTS will produce a musical in both the Fall and Spring semesters.
Students will meet 2 times per week, beginning August 15th, to rehearse a musical, which will then be performed the first week of October at the Eakin Elementary Theatre.
Please note that there will be additional rehearsals for students cast in principle roles.
at SECOND STORY STUDIO


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A giveaway of hundreds of billions of dollars is not only bad policy, it is not necessary! Unfortunately, the Democrats have successfully brainwashed the public into believing that the problem was caused by deregulation, when in fact it was caused by Democrat inspired rules and regulations which set up a house of cards in our economy.
When it became apparent that this house of cards was getting large, and wobbly, those who raised the warning flag (Republicans) were shot down by defenders of the system (Democrats). See: http://www.youtube.com/watch?v=fa0agm7lIPQ There you'll see video of the 2004 Fannie/Freddie hearings. You'll see who tried to forestall the collapse, and who denied there was a problem. Who questioned the management of Fannie & Freddie, and who declared the raising of the question to be a "lynching" of Franklin Raines, and who praised Raines management at the helm.
Despite the minimal likelihood that the fix outlined below would stand a chance of being implemented, given our current political environment, I will outline a plan that WOULD work in the hopes that SOME of these proposals might be incorporated into any plan that makes its way thru congress.
- NO taxpayer giveaway of hundred of billions of dollars and don't put it in the hands of Paulson and Bernanke!
- Provide assistance in the form of LOANS and INSURANCE. The government does not need to take OWNERSHIP of private institutions like AIG! Do NOT SOCIALIZE our markets.
- Prohibit all naked market trading. If you want to trade it… OWN it!
- ELIMINATE the "Mark to Market" rule – which artificially pulls capital off the books of financial institutions and is a contributing factor to the crisis. This rule requires securities to be recorded on the books at the lowest value it might be sold for in a panic firesale – even zero - rather than their ACTUAL value. This results in under-capitalization even when REAL assets are adequate!
- REPEAL the Community Redevelopment Act, and dismantle or downsize Fannie Mae & Freddie Mac
- Well intentioned, the act sought to end the practice of "redlining" where certain neighborhoods were deemed unsuitable risks for mortgage loans. While the purpose to put homeownership within the reach of more lower income people is laudable… the execution was poor.
- As Fannie Mae and Freddie Mac grew under Clinton, and the "Affordable Housing" mandates forced the lowering of lending standards to allow more and more people to "qualify", the "sub prime" market ballooned. Variable rate loans with low intro rates to get people INTO homes were the norm for these "sub prime" loans. But adjustable rates WILL adjust, and if artificially low at inception, the direction of that inevitable adjustment is most assuredly upward. Lenders and borrowers alike completely ignored the factor of affordability AFTER an upward adjustment in the interest rate!
- Lending institutions were COMPELLED by federal regulators to write more and more of these sub-prime loans. They had target numbers of low-income homes they had to finance or face penalties and further regulation. So qualification requirements were further relaxed, and more "creative" financing options emerged. No money down; Interest Only financing; Negative Amortization loans. Anyone who was paying attention at the time was asking, "How the heck can that work??
- Mortgage brokers ORIGINATED loans, with no intention of CARRYING the loan thru amortization! They wrote the paper to sell it to a larger entity – who was happy to buy them up, as they were securitized by the GSEs (Government Secured Entities) such as Fannie and Freddie. Fannie & Freddie grew and grew, securitizing ultimately 80% of all mortgages – meaning they held just about ALL the bad paper! A house of cards DOOMED to fall!
- Institute a moratorium on Capital Gains taxes… allow businesses to put their OWN money to work to climb out of the crisis.
- Make the Bush Tax Cuts permanent. More money in the hands of consumers will stimulate the economy. Raising taxes in a period of economic downturn is suicidal.
- PULL DOWN the tax DISincentives to repatriating overseas operations back home in the USA.
- There are no tax INCENTIVES (existing or proposed) to move job overseas, Obama ads notwithstanding. There are, however tax BARRIERS to bringing overseas operations BACK HOME.
- A company with offshore operations pays the taxes in that country. If those taxes are lower than US taxes… the difference is owed to the USA. BUT as long as they REMAIN overseas, they defer that debt. An incentive to STAY overseas.
- Upon repatriating those operations, a company would owe ALL the difference in tax. A company will not have to pay that for as long as they REMAIN overseas.
- A moratorium on collecting the deferred tax difference for companies repatriating operations back home would stimulate the economy by creating domestic jobs and returning industry to our shores.
- ENFORCE our borders and our immigration laws. Illegal immigration is a huge drain upon our nation's resources.
- Return to the gold standard. Set the dollar at 1/500 of an ounce of gold and back our dollar with more than a promise to pay. Stabilize the dollar's value abroad and eliminate short selling of our currency.
- Eliminate the Federal Reserve. A PRIVATE CORPORATION which creates currency out of nothing, and LENDS it to the government at interest! The CONGRESS is constitutionally empowered to coin money… not the FED.
- REPEAL Sarbanes-Oxley. Another well-intentioned but poorly executed regulation crafted in the wake of Enron/Worldcom. (Which are small potatoes scandals when laid next to Fannie/Freddie!!) SARBOX compliance has placed an undue burden upon "play by the rules" companies, but has done little to curtail the abuses by those who have purposed to "cook the books".
Of course, too many have too much vested interest in NOT implementing the above for it all come about, though if it did our economy would BOOM!
On the other hand, if SOME or ANY of the above can be incorporated into any next attempt at a rescue bill… we may achieve a bill that will stop the bleeding and restore confidence in our markets.
Copyright © 2008 by Doug Edelman
Doug Edelman
Doug Edelman is a conservative political commentator and has been a contributing editor for The Conservative Voice. His work is also seen on News By Us, The American Daily, The Post Chronicle, New Media Journal, Capitol Hill Coffee House etc. For the support of his family, however, he is also an IT Consultant/Contractor and owner of a Computer Services Business. He has taught PC Maintenance & Repair and Networking at his local Community College.