text:
Our October 2005 Newsletter:..
Deflation, Inflation - Who Can Keep Track Anymore? Real Estate Markets Outside the US & Europe Look Better Every Day. . . .
During the period 2001 - 2003, many noted economists and the US Federal Reserve were very, very, very (did I mention very) concerned about the risk of DEFLATION in the US economy. See the following article links here, which I urge you to read to understand what the US Central Bank (Federal Reserve) has been doing over the last few years (why interest rates were artificially low in the US, in part causing the current real estate bubble - and why interest rates are now going back up). Note that these articles were written back in this time period:
Noted Economist Paul Krugman Said Back Then (From The Articles Mentioned):
This week's cover story in The Economist makes it more or less official. Deflation, not inflation, is now the greatest concern for the world economy. Over the past year, producer prices have fallen throughout the advanced world; consumer prices have been falling for the last 6 months in France and Germany; in Japan wages have actually fallen 4 percent over the past year. Until the recent crisis prices were falling in Brazil; they continue to fall in China and Hong Kong; they will probably soon be falling in a number of other developing countries. So far, none of these price declines looks anything like the massive deflation that accompanied the Great Depression. But the appearance of deflation as a widespread problem is disturbing, not only because of its immediate economic implications, but because until recently most economists - myself included - regarded sustained deflation as a fundamentally implausible prospect, something that should not be a concern. The point is that deflation should - or so we thought - be easy to prevent: just print more money. And printing money is normally a pleasant experience for governments. In fact, the idea that governments have a hard time keeping their hands off the printing press has long been a staple of political economy; dozens of theoretical papers have argued that the temptation to engage in excessive money creation causes an inherent inflationary bias in fiat-money economies.
At the risk of sounding like Chicken Little, I am going to describe the economic situation in plain English. The United States is flirting with a low-grade depression, one that may last for years unless the government takes decisive action to overcome it. This would most likely be depression with a small d, not the financial collapse and grapes of wrath devastation Americans experienced during the Great Depression of the 1930s. But the potential consequences, especially for the less affluent and the young, would be severe enough--a long interlude of sputtering stagnation, years of tepid growth and stubbornly high unemployment, punctuated occasionally with a renewed recession. Depression means an economy that is stuck in a ditch and cannot get out, unable to regain its normal energies for expansion. Japan, second-largest economy in the world, has been in this condition for roughly twelve years, following the collapse of its own financial bubble. If the same fate has befallen the United States, the globalized economy is imperiled, too, since America's market for imports and its huge trade deficits keep the global trading system afloat.
The good news, so to speak, is that the Federal Reserve is on the case. At least Fed Chairman Alan Greenspan and colleagues now acknowledge that the gravest danger lurking in this situation is a general deflation of prices, and they promise to make sure that doesn't happen
Though Greenspan doesn't say so in plain English, Fed governors recognize the corrective action that may be required of monetary policy: Pump up the money supply and deliberately induce rising prices--that is, foster a renewal of inflation, their old scourge. Rising prices provide an essential lubricant for any sustained recovery because a dose of inflation helps businesses get well and takes some of the depressive pressures off wages and debtors of every kind. The central bankers, however, are facing a very awkward moment. After twenty years of relentlessly reducing the inflation rate to near zero and winning great praise for their triumph, the governors are naturally reluctant to announce that the disease they conquered has become the cure.
In short, the FED has been priming the inflation pump, but now we have another problem. The price of oil, natural disasters in the southern United States and the resulting inflated real estate market (which the Federal Reserve actually helped create) is pushing things to the other extreme. Which is to explain that certain events out of the control of the Central Bankers, namely oil, has now pushed inflation as a new problem into the picture once again. Why are we concerned? Well, it would seem we now have the economic equivalent of the perfect storm brewing - and recent numbers of delinquencies regarding credit card payments and mortgage payments in arrears are one telling symptom.
A LOOK AT MORTGAGE STATISTICS - By Kenneth R. Harney, September 26, 2005
Are homeowners in some parts of the country more likely than others to pay their mortgages on time? If you had to guess where the scrupulously on-time borrowers live, would you pick states with traditionally thrift, conservative financial stereotypes like New Hampshire, Vermont or the Midwest? Would you perhaps also guess that some of the states with the highest prices, highest housing appreciation rates and highest uses of interest-only and option ARM loan programs might have the highest incidences of late and missed payments? After all, aren't home buyers in such markets -- think California, for example -- stretched to the limit to purchase their high priced homes in the first place?
Well guess again. California homeowners may have to deal with sky-high prices and monstrous mortgage bills, but they pay their loans on time more reliably than homeowners in all other states but one -- high-cost, high inflation Hawaii. New Englanders tend to be relatively dependable with on-time mortgage payments, but they are not among the leaders. And the heartland Midwest actually has several states with some of the highest delinquency rates on home loans and exceptionally high rates of foreclosures.
All these home mortgage performance factoids can be gleaned from the latest national delinquency and foreclosure survey by the Mortgage Bankers Association of America. The quarterly study covers almost 40 million active mortgage loans and is considered authoritative on the subject. At the end of the second quarter of 2005, Hawaii, where housing appreciation soared by almost 26 percent last year, just 1.56 percent of all homeowners with mortgages were even slightly in arrears. That compares with a national average of 4.3 percent. California, where median home prices are stratospheric and rose by another 25.2 percent last year, had a late payment rate of just 1.88 percent. New Hampshire and Vermont, by contrast, had late payment rates of 2.95 percent and 2.5 percent respectively.
Where are homeowners most likely to fall behind? The highest rates of late payments and foreclosures are in states that have relatively slow-rising home prices, and slow-growing economies with above-average unemployment. Among the slowest payers: Mississippi borrowers, whose delinquency rate at mid-year stood at 8.5 percent. Louisiana was next at 6.9 percent, followed by Indiana (6.7 percent), Tennessee (6.32 percent), Texas (6.31 percent) and Ohio (6.13 percent).
The two big hurricanes this season, Katrina and Rita, undoubtedly will increase delinquencies in the Gulf Coast states sharply, despite the fact that many lenders have announced that they will forbear -- allow delinquencies -- for up to three months on properties in storm-savaged areas. Foreclosures generally are the highest in the Rust Belt states where factory layoffs have been extensive and unemployment rates intractably high. Though the national average rate of foreclosure was 1 percent as of mid-year, Ohio homeowners had a 3.3 percent rate, followed by Indiana (2.8 percent), Kentucky (1.9 percent) and Mississippi (1.7 percent).
CREDIT CARD DELINQUENCIES RISE - By Pamela Gaynor, Pittsburgh Post-Gazette
October 2, 2005
Driven by skyrocketing energy prices, consumers fell into arrears on all kinds of debt in the second quarter, with credit card delinquencies hitting a record of 4.81 percent of accounts in the second quarter. The American Bankers Association, citing the run-up in gas prices to record levels in the past month, said third-quarter results likely will be even worse than the second quarter's, which hit the highest level since the ABA began tracking the number in 1973. The last two quarters have not been pretty, said James Chessen, the ABA's chief economist. Gas prices are taking huge chunks out of wallets, leaving some individuals with little left to meet their financial obligations.
In addition to gasoline prices, rising interest rates are beginning to take their toll on consumers, pushing payments up on the estimated 60 percent of credit cards that carry variable rates as well as on other debt payments that are pegged to the prime rate. Delinquencies also rose for most of the eight kinds of consumer loans the ABA monitors, including home-equity loans, on which missed payments rose to 2.75 percent of accounts in the second quarter, up from 2.61 percent in the previous quarter.
CONSUMER PROTECTION? DON'T BANK ON IT - By Jonathan P. Baird, Concord Monitor Newspaper, October 2, 2005
On Oct. 17, a new bankruptcy law goes into effect. Known by the Orwellian heading Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, this law makes a contribution to the well-established American political tradition of false labeling. Substance is utterly contrary to title. The last thing this law is about is protecting consumers. It is the baby of the credit card companies, banks and other corporate interests. They drafted this one-sided legislation eight years ago, nursed it along and ultimately shepherded it through Congress. Under the new law, more people will be forced into five-year repayment plans to creditors. The fresh start, previously considered the great plus for financially strapped consumers, will be more elusive. A new and different means test will be the vehicle for these changes. The means test will apply to debtors with income over the state's median - $50,411 for a single earner in New Hampshire. The new law will require the court to use predetermined government figures for expense items based on IRS guidelines for tax cheats. It will base a debtor's income on an average of the previous six months, even if the debtor has been laid off or his or her circumstances have otherwise changed for the worse.
There are many other objectionable aspects to this legislation, the scope of which is massive. Debtors will face increased costs and filing requirements. Even if they cannot afford it, they must obtain pre-bankruptcy credit counseling. They also must complete a personal financial management course. More debts will be classified non-dischargeable, and the ability of debtors to discharge credit card debt will be significantly reduced. It will be harder for tenants to use the bankruptcy law to protect themselves from eviction.
When the bill passed last spring, Congress voted down virtually every effort to afford some consumer protection. Amendments to discourage predatory lending, to protect the homes of the elderly and the medically infirm and to protect servicemen and women were all defeated. Even the plight of hurricane victims was ignored. Your loan debt will continue to exist even if your house, car and all personal possessions are located somewhere in the Gulf of Mexico. On Sept. 8, Rep. John Conyers introduced further legislation to protect the hundreds of thousands of families devastated by Hurricane Katrina who will suffer under the anti-debtor provisions of the new bankruptcy law.
The corporate interests who sponsored the original legislation portrayed bankruptcy as a system where deadbeats totally escaped paying their debts. The consumer recklessly using credit cards for frivolous purpose was their image of choice. Think mall shopping spree, with no intent to repay. Behind the stereotype lies a complex set of reasons why consumers file bankruptcy. I would estimate that for every person gaming the system, there are at least 20 who file bankruptcy due to a personal tragedy like illness, job loss or divorce. While federal statistics do not indicate why people file, we now have good academic data about who turns to the bankruptcy system. Professor Elizabeth Warren of Harvard Law School, a bankruptcy law expert, argues that the amount of medical debt is substantial. Warren has stated that more than one-quarter of all filers cite illness or injury as a specific reason for bankruptcy. Another quarter cite uncovered medical bills of over $1,000.
EDITORS NOTES: While 2003 was a record year for US bankruptcy filings (so far it would seem that 2005 will turn out to be a new record year for bankruptcy filings as people rush to beat the October 17 deadline for the new changes), it would seem that the banks and credit card companies see the writing on the wall, and do not want to be the last man standing when the music stops (in terms of getting paid). Who can blame them, but on the other hand, why and how is it possible that the wealthiest nation on earth has a consumer bankruptcy problem? The politicians might be playing the - Don't Worry be Happy - theme music in the background when giving speeches about the economy, but what really is the reality?
We tend to think the perfect storm is brewing. The US Federal Reserve will increase interest rates, albeit slowly so as to not repeat the fiasco that took place when Volker was Fed Chairman during the Jimmy Carter years. However, we believe higher interest rates in the US are now inevitable for two reasons: Number one, the Fed is going to try and slow down the now higher inflation rate that has resulted in the unexpected variable of higher oil prices (not really unexpected, but that is a matter for another day) and Number Two, the foreigners loaning all the money to the US will demand a devaluation premium for keeping US Dollar denominated Treasury Bonds (and other debt instruments). To explain the second idea, which involves much more than we have space for here, in a nutshell, inflation results in devaluation of the currency (and we also believe the Fed will allow further devaluation of the US Dollar as a policy going forward). If you loan someone US$1 today, and you know that same dollar will probably be worth 90 cents one year from now, in the least you are going to want to see a 10-percent interest rate to compensate. The US is now in the precarious position of being a net debtor nation - China, Japan and South Korea own roughly 40 percent of all the outstanding US government debt. Not only that, most notably South Korea and China, have started to slowly ease out of US Dollar investment BECAUSE of recent currency devaluations. If the Dollar starts to tank again, they might bail altogether, unless they are compensated via higher interest rates. President Hugo Chavez of Venezuela (who many think is crazy, but he is not so crazy as you might think) has just announced that Venezuela has finally dumped almost all of that nations US Dollar foreign reserves and US Government Securities holdings. This was hardly noticed by domestic US news services, but it was highly reported in Latin America.
However, higher interest rates do not bode well for the housing market: whereby a very large portion of homes in recent years have been purchased with no money down - adjustable rate mortgages or interest only mortgages. If many of the people buying these homes are just barely making it with the current low rates of today, what are they going to do when rates go back up? Think about it. Also, if the mortgage rates are still low today and people are missing both credit card payments and mortgage payments now due to higher gasoline prices (at least this is what we are told) - what are these same consumers going to do when they are faced with BOTH higher gasoline costs and higher monthly mortgage payments?
If you think about nothing else, NOW is the time to examine taking real estate profits or a fixed interest equity loan with the idea of diversifying those funds into another non US real estate market (a second or retirement home in the Dominican Republic, Argentina, Panama, etc.) or other assets not correlated or dependent upon the US economy (gold, Euros, etc.). Also, the idea of residency or a second passport will allow you to gain access to investments you might be shut out of at the moment as a US citizen (and for tax reasons, if you are an EU resident as well).
Will things be that bad? No, but it really all depends upon your own situation and how well you prepare. We do agree with the comments made by William Greider in the article above when he said: This would most likely be depression with a small d, not the financial collapse and grapes of wrath devastation Americans experienced during the Great Depression of the 1930s. However, this does not mean that you should ignore the problem. In addition, there are a number of factors converging now and over the next 10 years that warrant your attention - and that also include problems regarding foreign influences that are not under control of the local economy or the Central Bankers (price of oil, foreigners lending money that demand higher interest rates, etc.).
GDP GROWTH - VENEZUELA IS BEST: Venezuela and Argentina will post the strongest GDP growth in Latin America this year, while Haiti will post the weakest results. Overall Latin America will see lower growth this year compared with 2004.
The rise in oil prices have benefited some countries (most notably Venezuela), while hurting others, leading to a slowdown in Latin American economic growth compared with last year. In Latin America, growth has moderated to a more sustainable pace after a sharp rebound in 2004, the fund says in its outlook. Strong commodity and raw material exports and--in most large economies-- broad terms-of-trade gains continue to support the growth momentum, although manufacturing exports have weakened somewhat in tandem with the slowdown in global manufacturing. Venezuela will likely end the year with an economic expansion of 7.8 percent, the IMF forecasts. ECLAC's forecast is 7.0 percent. Uruguay, Chile, the Dominican Republic and Peru round out the top six growth economies this year. But except for the Dominican Republic, the other countries are actually seeing slower growth this year compared with last year.
EDITORS NOTES: Celebrated economist Marc Faber has made the case for a new rally in commodities going forward, and the arguments are very compelling. Faber claims that we are finally going to see the flip side once again whereby developing markets rich in commodities to export will probably do well over the next decade, as inflationary pressures help push prices up accordingly. The bottom line is that the so-called industrialized nations, which really are not making anything any more (except trouble) nor are exporting anything anymore, will have a rough time of things. Countries that do have commodities to sell (oil, copper, gold, other metals, even cattle such as the case with Argentina) will be in the drivers seat going forward. So, this may be an interesting aspect to consider when thinking about where to buy real estate. As some of our clients have said: The so-called Third World or Emerging Market Countries are looking better and better every day - and nations such as the US are looking more and more like the Third World.
CHAVEZ SAYS OIL GIVES VENEZUELA STRONG CARD TO PLAY AGAINST US - Forbes Magazine - October 2, 2005
Last month, Chavez agreed deals to provide oil on preferential terms to most Caribbean nations after a meeting of regional energy ministers in Caracas. Bilateral agreements were signed with the Dominican Republic, Dominica, Grenada, Suriname, Belize, St Vincent and the Grenadines, Saint Kitts and Nevis, and Antigua and Barbuda. He earlier signed similar agreements with Cuba and Jamaica. The arrangement allows participating governments to pay market price for Venezuelan oil, for just a small portion of customary up-front costs, and allows them to finance the rest of the payments over 25 years at one percent interest if oil prices exceed 40 USD a barrel. Governments could also pay for part of the cost with services or goods such as rice, bananas or sugar. Venezuela has also agreed to provide assistance in expanding shipping and refining facilities.
OFFSHORE CENTERS UNDER ATTACK - September 28, 2005
Can The Bahamas retain its current offshore banking status? Since the terrorist events of September 11, 2001, concerns over financial transparency and bank secrecy have re-surfaced and the guarantee of secrecy, which at one time made many offshore jurisdictions such as The Bahamas, Bermuda, the Cayman Islands, and the British Virgin Islands attractive destinations in which to do business, is evaporating. The efforts of organizations such as the Financial Action Task Force (FATF) and its parent organization, the Organization for Economic Co-operation and Development (OECD), are becoming more aggressive in their attacks on bank secrecy laws. The FATF, created in 1989, consists of several member nations with the specific purpose of coordinating international anti-money laundering efforts.
The organization is responsible for the establishment of the Financial Intelligence Unit (FIU) in several countries, including The Bahamas, to share financial information without resorting to the courts. As recent as 1998, the OECD published a report accusing no-tax and low-tax undeveloped countries of 'harmful' tax competition. The report basically condemned tax havens, such as the Bahamas, for engaging in tax practices, which attracted capital from high taxed, more developed countries. It encouraged tax haven countries to tax foreign investments and to eliminate bank secrecy.
EDITORS NOTES: The advertisement used to say that it is better in the Bahamas. Maybe that is not the case today. We pulled out of the Bahamas many years ago when we noticed some very disturbing things going on in the legal system as it pertained to the invasion of Bahamian Trusts and lawsuits from the US courts. Since that time, one of very recent former Prime Ministers of the country enacted some sweeping changes that put the final nail in the coffin. The sweet heart deal that he made with the US was, if the Bahamas agreed to certain things (banking privacy and IBC legislation matters) then the US would allow US corporations to get a tax credit for holding board meetings in the Bahamas. This was supposed to replace all the lost revenue when investors starting pulling their money out of the country. Yeah, right. Since that time, after seeing 40 percent of the countries banking deposit fly away within 6 months, many Bahamians said: Umm - Maybe this was not such a great idea. They elected a new Prime Minister who promised to reverse the previous changes, but to date nothing has been done. As Gomer Pyle would say: surprise, surprise. Anyway, the author of this recent article asks, more or less, whether any investor would trust the Bahamas again. You have to ask??
IF HOUSING SLUMPS, HOW SAFE ARE YOU ? - By Arney Stone, October 3, 2005 - Business week Magazine
Although most experts think home prices wouldn't drop more than 20% or 30% over a couple of years if the much-discussed bubble bursts, even a small drop in prices could do serious damage to equity and fixed-income portfolios, they warn. If real estate cools dramatically, there goes half our economic growth, says Barry Ritholtz, chief market strategist at Maxim Group. There is danger of recession -- and you know what recessions do to the stock market.
By Andrew Cassel - Philadelphia Inquirer - Sept. 21, 2005
Certainly for historians of American fiscal policy, it's starting to feel like deja-vu all over again. In the mid-1960s, we had a steadily escalating war in Vietnam. Then a series of deadly riots broke out in cities from Newark to Los Angeles. President Lyndon Johnson, declaring his famous War on Poverty, pledged an open federal checkbook for a range of housing, education, and economic-development programs in the afflicted areas. A few economic worrywarts fretted about whether we could afford it all - guns and butter, as the saying went back then. What would all these new programs cost? The President dismissed his critics. It's going to cost whatever it costs - he shrugged. No, wait, I'm time-tripping again. Johnson didn't say that. It was President Bush, speaking just the other day about rebuilding New Orleans and the Gulf Coast after Hurricane Katrina. Whatever it costs might be $200 billion, or it might be more. We still have little idea about the extent of the damage, the cost of repairs or even how many people will want to live in the areas ravaged by the hurricane. No matter. Congress shows no interest in limiting the size of the federal tab, and even less in adjusting other taxes or spending to offset the cost of Katrina. That means that whatever progress we were making on whittling down the federal budget deficit - which Bush earlier promised to cut in half before he left office in 2009 - is likely out the window. With no new taxes on the table, and nobody in Congress willing to divert other spending - postponing new bridges to sparsely inhabited Alaskan islands, say - there's only one option left: Borrow the money - And why not? We're a rich country; our credit is triple-A around the world. Everyone, from South American industrialists to the Chinese central bank, wants to lend us money. Yep, that's what we thought in the 1960s, too. The 1970s were payback time. Inflation ravaged savings, slowed the economy, and kept us lurching from crisis to crisis for almost a decade. Things are different today - but also the same. For one thing, the Europeans don't tie their currencies to the dollar - but the Asians do. For another, today's deficits aren't just in Washington. American households, as a group, are also awash in debt via mortgages and credit cards.
LIES, DAMNED LIES, POVERTY STATISTICS - The U.S. is the richest country in the world, but has the most poverty of any industrialized democracy, By David Brady - August 28, 2005
Durham, N.C. -- Each August, we Americans tell ourselves a lie. On Aug. 30, the Census Bureau will release the official poverty rates for 2004. Pundits, politicians, the press and the president will almost certainly rehearse empty remarks on why poverty is higher or lower than last year, and attribute this failure or success to things that really have nothing to do with poverty's true causes. This entire episode is profoundly dishonest. This dishonesty is not because U.S. poverty is insignificant. Twelve and a half percent of the U.S., or nearly 36 million people, are officially poor. But better estimates put those numbers closer to 18 percent, or 48 million people. U.S. poverty is nearly twice as high as that of Canada and the U.K and about three times as high as that of many European countries. The U.S. is the richest country in the world, but has the most poverty of any industrialized democracy.
EDITORS NOTE: According to some very recent (June 2005) statistics for the US, about 28 Million Americans earn between Zero and US$13,000 per year in income. Another 30 Million earn between US$13,000 and US$25,000. All told, the chart calculated out income distributions for about 145 million people supposedly working or earning income (which assumes about half of the US population are adult aged wage earners and the rest under the age of eighteen, or retired). There is roughly about 300 Million People living in the US right now, supposedly. So, it is hard to say if the previously mentioned above-mentioned figure of those so-called really poor (36 Million or the higher number of 48 Million) is somehow included in this working poor statistical figure or not. Regardless, I will say this. Pick a number, 40 million, 60 million or even 80 million. Give or take a few million here or there - that is a whole lot of folks who have nothing, and who have nothing to loose if things are not going so well. If the way poor Americans living in New Orleans behaved after hurricane Katrina is any indication of the American Experience when the going gets tough, I for one would not want to be around to find out.
In Reply To Our Last News Bulletin - Re: Newsletter Bulletin - September 20, paragraph copied below - The following person writes:
A postage stamp in the 1950s cost 3 cents; today's cost is 37 cents - 1,233% inflation. A gallon of full-service gasoline cost 18 cents before; today it is $2.28 for self-service - 1,267 % inflation. Monthly Medicare insurance premiums paid by seniors was $5.30 in 1970; its now $78.20 - 1,475% inflation. This information is wrong and very misleading as to the inflation numbers. Example: the 1,233% inflation for postage stamp - that is 12.33 times more. Gas...12.67 times more. Medicare insurance- 14.75 times more. Then a very important fact is missing...wages. The average hourly wage in 1950s was $1.00/1.25. What is it today...$12/15 per hour? So wages have also increased around 12 to 13 times more. I agree as often heard wages are not keeping up with price increases - Reason why more workers are falling in to the poverty level each year. These mentioned 1950s prices only cause people to daydream and wish for those prices again. But how many would be willing to work for $1.00 per hour. I would like to add my example to the list. I purchased a new 1956 Ford for $1,800...today it would cost 12 times more at $21,600. I too do not believe the inflation numbers that the USA Government puts out. In fact I find it difficult to believe anything they say. One only needs to look back to the time with the American Indian and our government. The Indians learned quickly not to believe or trust our government - white man who speaks with forked tongue? I just recently subscribed to your newsletter and enjoy your articles. You write some powerful stuff.
EDITORS REPLY: Thank you for your letter. Well, the interesting thing is that the politicians can say whatever they want, but you know better, or better said - your wallet knows better. Also, many of the government touted inflation statistics do not include food costs, education and medical care. How convenient. So, if you never eat, never send your kids to college and never get sick, yeah - maybe the numbers are true.
John - As always, I enjoyed your recent newsletter. There is one thing however, that I cannot agree with you on - it is Colombia not Columbia (they tend to get upset with this error). Looking forward to the next edition. Richard (living in Colombia and liking it just fine)
EDITORS REPLY: Well, sorry for the typo and no offence to the nice folks in Colombia. On the other hand, there are many people that like to spell America as Amerika, but what can you do?
Do you know of any lenders (local or overseas) that offer mortgages to foreign nationals in the DR? If so, I would appreciate some information.
EDITORS REPLY: This is an excellent and very, very common question. Many people ask me about the idea of getting a local bank loan or mortgage in the Dominican Republic, and the answer is yes you can, although you probably do not want to. Banks in the Dominican Republic are very strict and in addition, interest rates are now a bargain at anywhere from 12 percent to 18 percent for a mortgage (this is an adjustable rate, by the way). The rates used to be as high as 30 percent or so, and now they have come down, but not far enough for me to be tempted. In addition, you can expect that the bank might require at least a 20 or 25 percent down payment - and most mortgages are for 10 years, although they are started to give 15 year mortgages these days. The local banks will loan money to foreigners to buy real estate, but just as is the case with a local Dominican resident or citizen that wants to borrow money, you will also need a flush cosigner (with local assets to grab) in the case you default. Do not think this is being asked of you because you are a foreigner - it is the same situation for locals also.
On the surface, you may think these rates and policies are terrible, but I do not and I will tell you why. The Dominican Republic does not have a housing or credit bubble, most people cannot even afford or can become tempted to get into trouble with these kind of rates and terms. So, while there are some people that obviously do borrow money at these rates, MOST middle-class and working class people pay cash. How do they do that? Just like your grandfather or grandmother did, they save it a coffee can. So, people first get the money together and buy them-selves a building lot or plot of land. Sometimes they pay cash, or they might pay it off with installment payments over 5 years (albeit at 20 percent interest). After the land is paid off, then they save some more money so they can start building, bit by bit - for cash. This is why, by the way, you often see a large number of houses half way constructed in many areas, and the foreigner thinks - Oh my God, there must be a crisis here, look at all these abandoned houses. They are NOT abandoned. People do what they can when they can. Often enough they run out of money and then they wait to save some more so they can keep going with the construction. It may take them some time, but they end up with a house they own outright - no mortgage, no bank liens, and no monkey on their back.
All in all, Americans think they own their own homes, but they do not. The bank owns it and they give you the privilege of living there, providing you keep paying the mortgage. If you do not believe that, just try telling the bank it is YOUR house and you are not going to pay them anymore (see what happens). In any event, in countries such as the Dominican Republic the percentage of people that own their own homes outright is much, much higher than in the US. For this reason, Dominicans are not living under the same kinds of credit pressure Americans are. And if they do borrow money, regardless to buy property or finance a television set, the lender will insist that your brother, mother, whoever cosign and be legally placed on the hook with their assets if you fly the coop. For this reason, you do not have these same kinds of problems and this is a very important point to understand. Even in Argentina and Uruguay, almost all property purchases are made with cash (no bank loans). This is the case because of the previous financial crisis, but it is a good thing. People cannot get into trouble mortgaging their lives away to the bankers and maybe losing their home later on as a result. Some people will support the argument that low interest rates and cheap, easy credit is the sign of an advanced and modern economy. I think it is insanity and why so many people are in trouble in the US especially.
In any event, getting back to the topic at hand. I would say the best thing to do if you need to borrow money is to consider a home equity loan on your existing residence. Current interest rates in the US and even Europe and much lower than what they are in the Dominican Republic, and using this same money, buy your Dominican property for cash. If you live in the US at the moment, 15 year fixed mortgage rates are about 5.75 percent, so this is a huge difference. You can of course try and approach a bank in your home country, but the problem is that no bank I am aware of would even consider the idea of loaning money for property or an asset in another country. The risk is too great and the legal process to reclaim the property should you default too expensive.


text:
October 16th, 2013 -- by Bacchus
Paying Attention In Class
I guess this bit of friendly mutual masturbation is safe enough as long as the professor never turns away from the blackboard, eh?
Found on Tumblr.
Similar Sex Blogging:
This entry was posted on Wednesday, October 16th, 2013 at 11:56 am. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
Shorter URL for sharing: http://www.erosblog.com/?p=10741
Shorter URL for sharing: http://www.erosblog.com/?p=10741

subset: commoncrawl


text:
Speeding motorists face community crackdown in Broadland village
PUBLISHED: 15:54 13 September 2017 | UPDATED: 15:54 13 September 2017
Villagers are set to launch a crackdown on motorists who flout the law, by setting up their own Speed Watch group.
Some 30 residents in Ormesby, gathered at a meeting to discuss how best to tackle drivers going too fast on the main approaches to the village.
In the end around 12 people signed up as volunteers patrolling Ormesby, Scratby and California.
It comes after a car ploughed into several homes in the early hours some months ago.
Parish council chairman Adrian Peck tagged it as "a very positive outcome."
Meanwhile the parish council was keen to look at the bigger picture of speeding in the village especially at Yarmouth Road, Station Road, and Cromer Road.
The 'no entry' turning at the garage was also a problem, he said.
Councillor Geoff Freeman said the best solution would be to have an occasional police presence.


text:
Free Civil Legal Clinic for Veterans
Services offered include: Driver's License Reinstatement, domestic violence divorces, protection from Abuse Orders, Wage Garnishments, Bankruptcy, Payday loans/predatory lending, foreclosure prevention, tenant evictions, ejectments, Section 8/Public Housing Issues, public benefits, Wills/living wills/Powers-of-Attorney, Low income taxpayer clinic with IRS. For more information, visit our website: www.legalservicesalabama.org or call our free intake: 1-866-456-4995. For low-income Veterans only! Non-criminal matters.


text:
Category Archives: Gear
Survival Gear Cafe's Ultimate List: 101 Preparedness Items Survival Gear List
We wanted to put out a 101 most needed list of things you will want in case of a survival situation is upon you. This is a list of things to start looking for now, not when the big one is on the way.
I want to thank everyone help put this list together. Some things are linked to find them easily online.
If you would like to see anything else added to the list, please let me know!
Survival Gear Cafe's List: 101 Top Suggestions from our readers.
- Canteens
- Cell Phone
- Lighter
- Water Bottles
- Flashlights
- MultiTool
- Pocket Knife
- First Aid Kit
- Waterproof Matches
- Knife
- 550 Paracord
- Emergency Food or MRE'S
- Compass
- Personal locator beacon (PLB)
- Hiking Backpack
- Sleeping Bag
- Sewing Kit
- Maps
- Duct Tape
- Plastic Tubing
- Space blanket
- Plastic Freezer Bags
- Crowbar
- Fire steel
- Emergency Candles
- Hiking Tarp
- Water Storage
- Water Filter
- Camp Axe
- Shovel
- Flares
- Signal Mirror
- 4 Season Tent
- Ham Radio
- C.B. Radio
- Bivy sack
- Whistle
- Good Hiking Boots
- Thermos for Cooking
- Chlorine Bleach
- Water-purification tablets
- Hiking Hammock
- Tinder (for fire starting)
- Machete
- Plastic painters tarp
- Salt
- Mylar blanket
- L.E.D. HeadLamps
- Fishing line
- Dental floss
- Extra Socks
- Gloves
- Rain suit or poncho,
- Wide Brim Hat
- Ultimate Survival Kit
- Bandanas
- Bible
- Playing Cards
- Fire Extinguisher
- AM / Weather Radio
- Rifle
- Ammo
- B.B. / Pellet Gun
- Slingshot
- Snare Wire
- Multi-Vitamins
- GPS Device
- Portable Camping Stove
- Propane
- Batteries
- Solar Charger
- Fishing Pole
- Magnesium Fire Starter
- Survival Laptop
- Saw
- Plastic Trash Bags
- Binoculars
- Shortwave Radio
- Eating and Cooking Utensils
- Scissors
- Sunglasses
- Sunscreen
- Jumper Cables
- Cable Ties
- Oil (for your vehicle, can also be used to start a fire or create smoke for a signal fire)
- Tool Kit
- Tire Repair Kit
- Hard Candy ( can give you a boost of energy and a boost to your morale)
- Emergency Credit Card
- Personal Identification Papers
- Family Photos (Remind us of why we are Survivalists)
- Dust Mask
- Lantern
- Money (Putting a $50 or a $100 in you kit might come in useful someday)
- Rubbing Alcohol
- Pepper or Bear Spray
- Can Opener
- Chemical hand warmer packets
- Energy Bars/Food
- Survival Books/Literature
Best Survival Pocket Credit Card Knife Tool Review
A survival pocket knife or credit card knife as they are often called can be a very useful item to have when you need a portable sharp little knife. This folding pocket knife is about the size of a credit card (about 2mm thick) and can be stored in your wallet or just about anywhere you may need a knife. There is even a way to get this for free, keep reading.
Opening the wallet pocket knife is very easy. Simply flip the blade out and fold the two sides in over the blade securing it from closing on your hand. Yes, it's that easy!
The blade is made of 440 stainless steel, very light and razor sharp. Also, it will never rust which can be very important depending on where you store your stainless steel survival knife. Do NOT try to get this through a metal detector, it is metal and will set off the alarms.
There is a built-in protective hand guard to keep the knife from cutting you if your hand slips.
Honest Review
This is a cool little knife for small operations. It's sharp as a son of a gun and very small making it easy to store. I haven't tried sharpening it yet but I am guessing it may be a little tough as stainless steel is pretty hard so diamond stone is probably the best option.
It has smooth operation and feels pretty good in an average sized hand. I don't think you want to use this knife all day as it will likely get uncomfortable but it's designed for small emergency jobs; so use it that way!
Good Places to Have a Best Survival Pocket Credit Card Knife Tool (in my opinion)
Kitchen drawer (the misc. drawer everyone has)
Night Stand
Go Bag
This pocket knife is not a toy! Do NOT put it in your kids backpacks unless you want to meet the Principal, School Resource Officer and possible a judge.
You can get this great survival knife for free, you just have to pay the shipping and handling. Click on any picture in this article to get this knife sent to you and as I'm writing this, they are giving a second knife away for free too. Not sure how long it will last. This is the best pocket knife I know of that is available.


text:
Beck says, Pearl Harbor was bombed…
"because Woodrow Wilson told England, 'You need to align yourself with us and not Japan…So we humiliated Japan, So it was terror, the progressives (Americans) started it."
Audio here
Thanks Glenn, and all this time I thought Japan was responsible when they dropped bombs on our ships and strafed our sailors with bullets. I thought it was the Japanese who crippled our navy , and killed or wounded almost 4000 American servicemen.
Who knew they were just fighting back against American terrorism. Now I know that it was all our fault, thanks to you Glenn.
I guess when you look at the way you do Mr. Beck, you would have to conclude that the attack on the twin towers on 9/11 was Americas fault too. Al Qade and Osama, were forced to do it because of Bush's support for Israel. How humiliating for them. They were just fighting back against the terror by the conservatives. This conclusion is inescapable if a guy thinks like you do Mr. Beck.
Glenn Beck, Why do you hate America?


text:
Exploring the short Anand Vihar section of Delhi Metro's Blue Line in east Delhi highlights two interesting points that are commonly noted about the metro system in general: 1) The connection between the metro system and increased commercialization of place, and 2) that the metro is changing people's understanding of distances between locations in the city. More on both points follow.
The same photos are also on flickr.
Yamuna Bank
This is the interchange station between the Noida and Anand Vihar sections of the blue line. Situated on the floodplain of the river Yamuna, it's a bit isolated and distant from the closest formal habitation. Embankments protects the station (and it's adjoining metro depot) from the river when in spate.
Yamuna Bank station to the left and the intersection of Vikas Marg and Link Road to the right
Trains from both Noida and Anand Vihar lines approaching the station
Blue line and Link Road heading towards Noida
Lakshmi Nagar
Approaching Lakshmi Nagar station
Foot-over-bridges connecting the station to different sides of the road intersection
Station and road intersection
Station and surroundings
Nirman Vihar
Approaching Nirman Vihar station
Nirman Vihar station with the Lakshmi Nagar Commercial Complex and V3S Mall adjoining
This is the station/area that made me realize how conceptions of distance are changing because of the metro. I've only driven by the Lakshmi Nagar Commerial Complex a few times, and that too not for many years now, but to me it seemed really far and a long drive away. With the metro, it's now just a few stops away from the heart of Delhi, and with the expanding system over the years will become easily accessible from all parts of the city.
Similarly, with the opening of the Gurgaon metro line, a trip to/from Gurgaon already seems like a much less daunting task. Access to different parts of the city will, both conceptually and literally, become much easier, and just as in cities like London and New York, any particular location will be just a metro ride away.
Preet Vihar
Preet Vihar station and adjoining commercial complex
Formerly residential area around the station turning commercial
From these photographs, the nexus between commercialization of neighborhoods and the metro is quite evident. Metro stations were from the beginning planned close to commercial areas, and the areas around many stations are becoming increasingly commercialized, whether they were so before or not. At this Preet Vihar station, buildings that were clearly residential are changing in their nature, and new construction is also much more commercial.
The story through much of Delhi is the same, and the expectation is that the areas around metro stations will become hubs of commercial activity, with residential areas a little distance away. Increased commercialization of the locations around metro stations has always been one of the strategies for revenue generation by the metro, and it seems to be succeeding. This will likely be one of the main ways that metro will alter the built landscape of Delhi in the short to medium term.
Anand Vihar
This terminal (for now) metro station interchanges with the Anand Vihar ISBT (Inter State Bus Terminal) and Indian Railways station.
Anand Vihar metro station ...
... close to the ISBT
... as well as the railway station
Sunday, September 12, 2010
On and Around the Delhi Metro: Blue Line - Anand Vihar section
Posted by varun shiv kapur on Sunday, September 12, 2010
Labels: contemporary delhi, delhi, delhi metro
3 comments:
- Anonymous9:46 PM, October 04, 2010
Wish they had also given a little more thought to the exterior facade of the stations themselves.ReplyDelete
kapur saabReplyDelete
I m Journalist working wid Hindustan Hindi, You r doing a great job. please give me ur contact
- Anonymous7:57 PM, April 09, 2013
good photo can u lod old photo witout metro st....ReplyDelete
Subscribe to: Post Comments (Atom)


text:
Ear buds in, music up, eyes closed, deep breath. This is home, the place my heart lives, surrounded by a wall of light to block this wave of darkness. The moment this darkness consumes the light I'm lost, lost in agony, trying to swim out…looking for a release. As of right now though there's still a chance to beat it. There's still hope. H.O.P.E. Being surrounded by this madness doesn't mean I have to give in. It doesn't mean I have to cry, to scream, to be scared or to relapse. It simply means I must fight the battle I always have, & as long as I know to keep fighting, I can still fight. With the will to fight comes courage and with courage anything may be conquered. This is my light. My light is the HOPE, the COURAGE, the MEANING I still have, & this is how i survive this hell.
Monthly Archives: March 2014
Let's be logical here.
You would think that living in the society that I do ignorance would be nothing new. However, a couple months ago I was shocked. To hear a student say they'd rather risk their life to sell drugs rather than completing his education blew me away. I was so astounded and angry to hear that this person would rather take, what they consider the easy way out, than actually putting forth the effort they could. Then, to top it off, considering it a "game". Risking your life, that you haven't even began to start, for a few bucks is the worst thing you could do. In all honesty if you look at the bigger picture drug dealers don't even make minimum wage. The only one's who make the real money are the ones at the top, & they didn't get there just for selling dope on a street corner. I never thought someone's ignorance could blow my mind as much as it did that day.
What Students Remember Most About Teachers
Dear Young Teacher Down the Hall,
I saw you as you rushed past me in the lunch room. Urgent. In a hurry to catch a bite before the final bell would ring calling all the students back inside. I noticed that your eyes showed tension. There were faint creases in your forehead. And I asked you how your day was going and you sighed.
"Oh, fine," you replied.
But I knew it was anything but fine. I noticed that the stress was getting to you. I could tell that the pressure was rising. And I looked at you and made an intentional decision to stop you right then and there. To ask you how things were really going. Was it that I saw in you a glimpse of myself that made me take the moment?
You told me how busy you were, how much there was to do…
View original post 739 more words


text:
Master Robert Wheatleys Down Under Seminar and 6th Degree Grading on behalf of Authentic Taekwon-Do Australia.
On Saturday 31st May & Sunday the 1st June 2008, 61 participants who include Master Jamie Moore & Master Michael Kordanovski participated in the specialty Seminar held by Master Wheatley at the Sunshine Coast, Queensland, Australia. Of the remaining students there were 9 International Instructors, 29 Black Belts and the rest were gup students ranking from 9th Gup to 1st Gup. These participants traveled from far and wide with a contingent of 6 under Sabum Neill Livingstone who came all the way from Taranaki, New Zealand.
Master Wheatley ran a very comprehensive seminar covering all aspects of Taekwon-Do. The first day kick of with a demonstration by Master Jamie Moore performing Tong-Ill Master Wheatley gave mention to the group that not many people around the world know the tul due to the senior level required in Taekwon-do and not many students get the opportunity to see it performed, shortly after the demonstration the morning covered such things as, Line up procedure, Composition and Cycle of Taekwon-Do, Body actions towards Power, Secret of Taekwon-Do Power, Fundamental Exercise, Stances Pattern, Purpose of Movements Introduction to Sparring, Introduction to lines and sections, Introduction to Targets, Names, Maps.
On completion of first day master class, Master Wheatley, ITF chairman of Promotions, conducted a Senior International Dan grading. The two candidates Mr. Peter Sullivan & Mr. Neville Burn were testing for their 6th Degree. As part of the grading this duo were required to perform their two patterns So-San & Se-Jong along with three gup Patterns. They performed the gup Patterns firstly the same pattern together the second together but facing different directions and finally different patterns at the same time. Once this was done they both performed So-San, with the aid of other students, in a way that it demonstrated applications of techniques within the pattern. While this was being done by one of them the other used the same technique to break a board. The rest of the grading covered Self Defense, Sparring and Board Breaking using both hand and foot techniques with the left & right side. The final part of the grading covered the Theory and both Master Moore and Master Kordanovski were asked to conduct that part of the testing. Master Wheatley was pleased to announce that both Mr. Sullivan & Mr. Burn were successful in attaining the rank of 6th Degree.
The second day covered, Free Sparring, Power Breaking Development, Hand and Foot Conditioning, Self Defense (Ho-Sin Sul) Releasing, Dodging, Elbow Strikes & Thrusts, Rules, Tenets, Moral Culture Flying & Mid-air Jumping Instructor/Student Relationship,.
For anyone who has the opportunity to attend a Seminar conducted by Master Wheatley, I highly recommend it.
On behalf of those in attendance I would like to thank Master Wheatley for passing on some of his wealth of knowledge to us, and to Master Moore for inviting Master Wheatley to Australia.
Written by: Master Jamie Moore - 12th August 2008 [Comments: 1]
Login now,
or if you are not a member then apply to join here


text:
Quantum FX Pro
These are 2 *WEIRD* scenario that happen again & again to 97% of
Forex traders.
Scenario 1:
You look at the chart & identify the trend is on the way up. Then
you confidently place a BUY order. BOOM! The moment you have placed
the order, the trend has reserved & you lose bloody lots of money.
Scenario 2:
Very similarly, you look at the chart & identify the trend is on
the way down. Then you short the currency order. BOOM! The moment
you have placed the order, the trend has reserved & you again lose
lots of money.
In just recently, Kishore M has personally recorded 2 videos that
can help overcome challenges described in the 2 scenarios above.
Here is the page where he put up the videos
These are the 2 videos that have caught too much attention in Forex
community & have *consumed* almost all his website bandwidth within
2 short days
Most Forex Gurus are so angry with Kishore now.
Because he is making them look bad with his outrageous QuantumFX
Pro package.
If you have watched his videos http://www.quantumfxpro.com/jv/go.php?offer=johnmal99&pid=1 ...that
created such an attention & controversy among those forex gurus,
you surely know about the *cool* QuantumFX Pro package.
Some asked: "Are You Crazy?"
"Who is this crazy dude who provides so much items with such an
embarrassing low price point?"
I admit it is really embarrassing low price. See, unlike most
gurus, Kishore M created this product NOT because he want to
squeeze-it-all the hard-earned money from people. That's why it is
at such a low price. He wants it to be so affordable for the right
This is Different
As he has said in my 2nd video, he is concerned if you just want to
purchase it out of SHEER EMOTIONAL IMPULSE. Most people want their
customers to get all emotional & impulsively buy stuff from them.
BUT, this is different.
He want to make sure you decide to purchase it because you BELIEVE
==> http://www.quantumfxpro.com/jv/go.php?offer=johnmal99&pid=1&u=quantumfxpro.com/success.php
He is someone who don't like to use those Guru-Scarcity techniques
such as Limited Sets to rip off people chance to get hold of this
outrageous QuantumFXPro package.
As you've probably noticed, he is not really interested in
"twisting your arm" and using high-pressure sales tactic like Fast
Action bonus in order to get you to purchase QuantumFX Pro package.
Warmly Welcome You if...
I warmly welcome you to join his QuantumFX Pro community only if
... you seriously treat Forex as your business or career
... you are very committed to your success
... you are willing to FOLLOW Directions
... you are willing to implement proven ideas
... you are NOT Guru-Groupies who simply sign up for any "Next Big
Here to claim your full package:
==> http://www.quantumfxpro.com/jv/go.php?offer=johnmal99&pid=1&u=quantumfxpro.com/success.php
{Your Name}
P.S. Some worried subscribers asked when he will increase the
package price to $197.00. What I can say now is that he will do his
best to maintain the current low price:
Since the 2 videos have been passed around & spread like wild fire,
QuantumFX Pro method - spawned from the 2 videos - is getting
"Rock-Star" treatment from Forex Community.
QuantumFX Pro method:
Like a Rock Star
QuantumFX Pro suddenly become a Rock Star appearing everywhere
across forums, newsgroup, blogs & 3rd party forex websites.
I never expect the word-of-mouth effect on real value adding
information can be so huge.
Sorry if you encounter page-loading delay when you click the
"Purchase" button because people are flocking in to secure a copy
for themselves.
You can try again with this link (try refresh the page):
Benefits for You
The below is benefit highlights of QuantumFX Pro package. With it,
you will:
~ Learn how to recognize 13 highly profitable FX PRO patterns that
can Make You a Lot of Money.
~ Master a systematic approach & have FULL CONTROL over your trade
decision without depending on so called "guru hot tips",
"mysterious black box system" or "overly-hyped-up forex robot"
~ Know exactly when to exit the trade & Take a Profit before you
even enter a trade
~ Gain strong foundation knowledge & insights about Forex market.
~ Learn how to choose the RIGHT broker
~ Get step-by-step guide on How to Trade using FX Metatrader
~ Get Access to All Sources of Top Forex News I personally use to
Outperform most traders
~ Learn One Quick-Forex-Profits Technique from me & Start
Accumulating PiPs Rightaway
~ Finally You Deserve to Have Trading Skill that Can Get You & Your
Love Ones to Dream-Lifestyle FAST ...WITHOUT taking a bunch of your
time & effort
To Your Success
IM Experts
P.S. Because there is a long long list of items inside the package,
I put the item list here instead of email body so that I can cut
short the email for you. Here is the items included inside
QuantumFX Pro package:
For QuantumFX PRO package, you get ALL:
1. Quantum Fx Pro Module 1 (Video Course), worth $485
2. Quantum Fx Pro Module 2 (Video Course), worth $388
3. Quantum Fx Pro Module 3 (Video Course), worth $388
4. Audio Recording of Quantum Fx Pro Module 1, worth $285
5. Audio Recording of Quantum Fx Pro Module 2, worth $188
6. Audio Recording of Quantum Fx Pro Module 3, worth $188
7. QuantumFX Pro Complete Manual, worth $97
8. Quantum Leap Your Profits Strategy Guide, worth $297
9. Metatrader Step-by-Step Operation Handbook, worth $67
10. Forex Future Margin Strategy Guide, worth $97
11. Power JumpStart Your FX Profits Video Course, worth $297
Dude, I know it is a very long list :-) Enjoy:
at 1:42 AM
No comments:
Subscribe to: Post Comments (Atom)


text:
As a consultant the changes in the economy, some people tried to put the fear into consultants by saying they might not be kept if the market continues to drop. The statement by Google today showed that they can still be a company that takes care with their staff, with stories in the press about companies like Mac Bank, holding lavish christmas parties and then sacking 1000 staff. It is refreshing to see a letter posted on the company blogs, rather than trying to hide the fact that the economy has changed.
Official Google Blog: Changes to recruiting
Jan 19, 2009
Google changes recruiting
Tags: consulting, economy, google
No comments:
Subscribe to: Post Comments (Atom)


text:
Ian King is a futuristic pioneer. He is also an experienced trader and financial analyst. He is the founder of Intellicoins, a cryptocurrency analysis, trading and research service. He empowers investors to cash in on lucrative crypto assets through the firm.
With a psychology degree in hand, Ian quickly found his spot on Wall Street. He worked for iconic investment companies such as Salomon Brothers, Citigroup and Peahi Capital.
At the height of his Wall Street career, he developed a strong interest in crypto assets. He has never looked back.
Today, he demonstrates an in-depth understanding of the intricate dynamics of the subject of digital assets and related technologies. He has given numerous lectures and presentations on the subject.
Ian also loves to write trending opinion pieces on the crypto and digital currencies industry.
He contributes to Investopedia and Banyan Hill Publishing, two of the largest financial research and publishing companies in the world. The platforms expand his reach and enable him to reach a larger audience about digital assets.
He can accurately predict trends and make winning bets. His strategy is to educate as many people as possible about the opportunities presented by digital currencies.
Ian also writes for the Sovereign Investor Daily at Banyan. He runs a trading course and serves as the firm's crypto investment advisor. He believes the cryptocurrency party has just begun. There is a lot of opportunity for futuristic investors looking to capitalize on the Bitcoin boom.
Digital currencies are leveraging trusted relationships to achieve security in an open online world. More people are increasingly putting their money in digital assets.
This is pushing them towards the mainstream and demanding recognition from the authorities. In other words, Bitcoin is here to stay. Cryptocurrencies have entrenched themselves in today's digital world.
There are more startups in the crypto world now more than ever. This means the prospects are looking up for potential investors. Entrepreneurs have a lot of open opportunity to influence the direction the technology takes.
Some people feel the Bitcoin bubble is already burst. However, those in the know are positioning themselves to capitalize on the emerging opportunities. Ian is at the forefront of pushing the uptake of digital assets.
He has been involved in overseeing the initial coin offerings of several cryptocurrency startups. He is passionate about educating people on the benefits of digital assets such as cryptocurrencies. More information can be found at https://iankingguru.com/


text:
The biggest calamity I can remember while coaching at the state meet came two years ago when our 14-foot 6 pole vaulter, Jeremiah Sheehy, broke his money pole as he warmed up for the finals. Sheehy had a second pole he could use, but it was a longer pole on which he had not really even practiced much, much less used in competition. He struggled through the competition, eventually clearing 13 feet and 6 inches to finish in a tie for ninth place.
Four years ago our 300 meter hurdler Sal Salvato, a junior then, fell on the third hurdle, entering the turn. His hurdle interfered with another runner, and so he was disqualified, as well. He did return his senior year to finish fifth.
I can also remember a dropped baton by our 4×400 relay at the state meet, probably six years ago.
We almost had another mishap today, as our 1600 meter runner Jack Keelan tripped off the track, nearly falling, with 300 meters left in his preliminary heat. Keelan had taken the race lead with 600 meters to go. He was running a fast pace, passing the 400 in 62.7 seconds, then the 800 in 2:07.4, but still in fourth place at that point. He moved to the lead without really picking up the pace on the third lap, rather, just maintaining, running 64.6 on that lap. With 400 meters to go sophomore Patrick Perrier of O'Fallon pulled up next to Keelan to challenge—in fact, giving him a nudge with his shoulder—but Keelan accelerated gently to fight him off.
Then, coming off the curve with 300 meters to go, Keelan's back foot seemed to hit a runner behind him—and he stumbled off the track to the inside. One step, two steps—he somehow kept his feet, stepping back onto the track as the three other runners passed him. How he kept his balance, as his head seemed to fall inches from the ground, is a mystery. But after running awkwardly on the track for another fifty meters, he seemed to find his stride again and accelerated through the curve, moving back into second.
Going into the final straightaway, he moved again, taking the lead and finishing with a good margin, in a personal best and Saint Ignatius school record time of 4:13.63. His last 400, even with the near fall, was 60.9 seconds.
As Keelan stumbled off the track, two judges watched closely. Neither raised a yellow flag. Another track official visited them in the minutes after the race, as another heat prepared to run.
After the third heat of the 1600, it seemed like another official came to chat.
In the end, Keelan was given a pass for stepping off the track. It was ruled, presumably, that he had gained no advantage in the race having done so.
Winning his heat, Keelan qualified directly to the finals on Saturday afternoon. Overall, he was the fourth fastest qualifier of the day. New Trier's Leland Later, arguably the event favorite, ran 4:12.60 to win his heat; Mike Lederhouse of Glenbard West won his heat with a time of 4:12.65.
Freshman Andy Weber videotaped the race from a seat in the grandstand, and he caught the near fall from across the track. The IHSA webtv video of the day, filmed from the press box, captures the event as well.
We had other good performances on Friday, but none with the drama of Keelan's near fall. Our 4×800 meter relay entered the race with the slowest qualifying time of 41 teams, but improved nine seconds to run a season best 8:06.60 for 32nd place overall. Senior Patrick Santino ran 2:01.7, sophomore Taylor Dugas ran 2:01.5, junior Elliot Gibson ran 1:59.9, and senior Mike Tonner ran 2:02.5. Gibson then moved on to the pole vault, where he made three attempts at the opening height of 13 feet and 6 inches, but failed to clear it. Sophomore Chris Korabik ran 4:37.90 in his heat of the 1600, off his best time of 4:28, which qualified him for the state meet, but he gained valuable experience.
Finally, sophomore Conor Dunham ran 15.54 for eighth out of nine in his heat of the 110 high hurdles, about a half second off his best time. But he did better in the 300 intermediate hurdles, running 39.07 seconds, his second best time ever. Dunham finished 12th overall, just a tenth of a second too slow to make the top nine and qualify for the Saturday final. His sectional time of 38.99 was the fastest time of the year for a sophomore in the state of Illinois.
After a cold shower and some food, Keelan watched the video and was as amazed as everyone else that he had kept his feet. I worried mainly about an injury, a twisted ankle, perhaps, but he reported nothing.
Neither Later, nor Lederhouse will run another event on Saturday. Several top runners scratched from the 1600; some will run the 4×800, it appears, some will run the 1600. Several of the runners in the 1600, including Later, had been members of a 4×800 at the sectional meet, but they will only run the 1600 on Saturday.
Only Keelan and Malachy Schrobilgen of Oak Park –River Forest, who was the third 1600 qualifier in 4:13.11, will attempt the 3200 and 1600 double on Saturday. They will duel first in the 3200 at around 12:45, followed by the 1600 final at around 3:45. You can watch both races on IHSA TV: http://www.ihsa.tv/.


text:
General Topics and Discussions / Admit card winter2015« on: November 20, 2015, 04:59:59 PM »
Admit card for winter 2015 available on iei site... Download friends
Show Posts
This section allows you to view all posts made by this member. Note that you can only see posts made in areas you currently have access to.
Messages - cuma86
Pages: [1] 2
General Topics and Discussions / Admit card winter2015« on: November 20, 2015, 04:59:59 PM »
Admit card for winter 2015 available on iei site... Download friends
New to AMIE / Result declared« on: March 20, 2015, 05:41:53 PM »
Friends winter 2014 result declared check your's. All the best and congrats to those cleared section A and section B
General Topics and Discussions / Re: sec b electrical books« on: January 06, 2014, 03:42:16 PM »
I need question papers of section B electrical, if anyone had kindly mail to me. My id [email protected].
And if anyone had study material send it to my mail id. Thanks in advance.
General Topics and Discussions / Re: SOLVED & UNSOLVED EXAM PAPERS FOR ALL BRANCH« on: October 01, 2013, 06:33:23 PM »
I have completed section A in summer 13 and i would like to appear this winter exam in electrical engineering.
Kindly provide solved papers for
Engineering management,
Power systems,
Electrical machines,
and Electrical drives.
My mail id [email protected]
General Topics and Discussions / Re: Reg Sec B registration« on: October 01, 2013, 06:15:01 PM »
I am still waiting to get grade card and section B registration form.
Dear friends,
I would like to join Electrical engineering in section B, so seniors kindly suggest books and guide me for the exams i wish to attend this winter session. If anybody have notes and question papers for compulsory subjects in electrical engineering, kindly send it to my mail id : [email protected]
General Topics and Discussions / Re: SECTION B REGISTRATION« on: September 23, 2013, 05:19:43 PM »
Thanks friend for clearing my doubt...
General Topics and Discussions / Re: SECTION B REGISTRATION« on: September 21, 2013, 09:54:10 AM »
Pls clarify my doubt.....
I would like to apply section B registration form and examination form for section B at a time, Shall i do this?
Is this anything necessary to complete complusary subject first and then go for optional subject? or shall i apply in combination of both?
Whether i need to attach my old ID card with registration form? Is it mandatory?
Kindly reply as early as possible
Thanks in advance
General Topics and Discussions / Re: urgent help seniors« on: September 21, 2013, 09:39:27 AM »
If u passed in all four subjects, the result will show PASS. I hope you will get D grade or below in failed subject or C grade in all three subjects. minimum one B grade or above should be attained so that only D grade is eligle for Pass. IF you get C, C, C & D you are not pass. So apply for that paper in this Winter2013 exam. Grade card will be published after 15days from the date of result.
General Topics and Discussions / Re: Result of Summer'13« on: August 07, 2013, 06:21:40 PM »
Yes. If you pass section A, you will get registration form from IEI or you can download it in site. You can fill registration fee and apply for examination for winter 2013 exam.
General Topics and Discussions / Re: Winter 2012 result declared« on: March 20, 2013, 05:07:33 PM »
Dear friends winter result declared, i have cleared society. Material science pending hope i will clear it in summer session. Lets check ur result, all the best. And congrats for all who cleared all subjects..
General Topics and Discussions / Re: result of summer 2012« on: November 30, 2012, 05:24:33 PM »
I also tried to take print out of summer result as i did not get grade card till now. I hope this problem is due to uploading of roll no for winter exam. Me too don't know how to get printout. Kindly help me..
New to AMIE / Re: For winter 2012« on: October 22, 2012, 10:58:16 AM »
Kindly send unsolved question papers for Society and environment and material science to my mail address
Thanks in advance
New to AMIE / Re: AMIE Coaching Center in Chennai« on: October 22, 2012, 10:52:30 AM »
Ganesh Institute of Engineering
55, Goods Shed Road, Adambakkam
Phone No.: 044 22672026
This is the best coaching center that i know, you can check this
New to AMIE / Re: About the form filling date« on: October 07, 2012, 07:17:53 AM »
Quote from: "ranjit kumar das"
Please Any one cofirm me about the form filling last date for Winter 2012 Exams for sec A ST students(new).Exam forms for new candidates are accepted till 21st september, so you can able to apply for summer 2013. You have enough time to prepare. All the best for ur preparation
General Topics and Discussions / Re: VIEW YOUR MARKSHEET ALONG WITH GRADE CARD« on: October 05, 2012, 06:01:56 PM »
Friends i am using mobile to view my gradecard and marksheet but first i can able to view gradecard only. Thanks friends it is working while replacing "marksheet" with "gradecard" in address bar. Kindly try those who are facing same problem.
Pages: [1] 2
Solid Wood Dining Table Set Uk by alijhay
[January 15, 2019, 05:45:49 PM]
Re: Important!!! AMIE Exam fee revised from Rs 2000 to Rs 3000 by JessicaThisk
[January 09, 2019, 06:30:22 PM]
Re: Important!!! AMIE Exam fee revised from Rs 2000 to Rs 3000 by sulemangani
[December 12, 2018, 07:01:18 PM]
DiesqueLW by uncopy
[November 06, 2018, 08:47:00 PM]
Re: Supermembership queries by praveen
[November 04, 2018, 09:39:26 AM]


text:
Hi everyone!
Last week we gave the last of the 3 part presentation at Roosevelt High School. This presentation was about using herbs.
Since we have started our herb business we have discovered that people can be a bit confused about herbs. It is not an area everyone feels comfortable when it comes to using them.
After spending a huge amount of time educating folks at the Farmers Markets about herbs and then having many requests from organizations to speak about how to use herbs, we finally added this as a part of the presentations we now offer.
If you are not familiar with how to cook or bake with herbs, I believe it is best to keep it simple. Just add a little here and there until you start to find out what you like.
So, for this last presentation I prepared some very simple treats for everyone to try.
This post is going to show you how to do a simple Herb Infused Iced Tea.
Now, this is NOT herbal tea. This is a black tea infused with herbs. And "infused" means all the tea and herbs were NOT boiled.
How to:
Boil a kettle of water
In your pitcher add 5 bags of your favorite black tea. (Most common teas are black tea or a mix of)
Add in the pitcher a Tablespoon of dried Peppermint
Add 1 1/2 teaspoon of Dried Lemon Balm
Add one heaping teaspoon of Dried Stevia
Stevia is a natural sweetener and is basically calorie free.
Pour boiling water into the pitcher and let steep for about 30 minutes. The longer it steeps, the stronger the flavor.
**If you don't have the dried herbs, you can use fresh herbs. Generally that means you need to use 2 to 3 times the amounts. And make sure you crush up (bruise) all the leaves to release the oils.**
Next double a piece of cheesecloth across the pitcher and strain into another pitcher. You can do this twice if you want but, generally by doubling the cheesecloth, once is enough.
Now refrigerate and enjoy!
Remember, you can try different herbs that you like in making an Herb Infused Tea. Play around with any of the mints and "Lemon" herbs (Verbena or Thyme). And you can use the same recipes to make a Hot Herb Infused Tea.
I will be sharing more fun and easy things that I made using herbs at this presentation in the coming week so, stop back by!
For more great recipes, check out these parties I am joining:
Slightly Indulgent Tuesday
Tasty Tuesday


text:
When you're driving in the city, the red traffic light signals that you need to stop. This is necessary so as to maintain order and prevent collisions. Usually, the red traffic light holding up your lane means that the adjacent lane will have the green light. This way, there won't be too much congestion on any lane.
If you fail to stop your vehicle at the red light, you could be charged for dangerous driving and breaking traffic rules. In addition, you risk a collision which could have rippling effects: a pile up and smash up involving a large number of vehicles. You would be the culprit!
Nevertheless, some drivers do "run the red light". That is, they keep driving even though the red traffic light is telling them that they need to stop. Why? Because there are rare instances when there are so few vehicles on the road that you can see clearly that there is nothing on the adjacent lane. You see that there is no harm in "running the red light". Even though you're right, and there's no obvious harm, you're still breaking a rule! And you could be charged.
In the same way, professional writers and editors sometimes "run the red light" in their writing and editing. We know the rules, but sometimes there seems no harm in breaking them. For example, we know we must separate two independent clauses of a compound sentence with a comma, but at times we ignore this rule, because we're sure the reader will understand.
At other times, we misplace or omit a punctuation mark or modifier, not thinking too much about it. Just like the driver who knows that he shouldn't stop less than 200 feet away from a junction, but still does, so do professional writers and editors break little grammar rules here and there. And it's OK as long as nobody gets hurt! Well, sort of….


text:
I love Bubble jet!!! My imagination keeps sharing all kinds of fun things I can do with it now that I know I can print on my own fabric...whatever I want. So far the only limitation I find is the size of each piece I can print due to the size of my printer.
In the photo below I created a diagram of what my quilt might look like using EQ6...ahhh...can't wait to get my hands on EQ7 soon! :) Certainly made it much easier following a diagram when putting my blocks up on the design wall.
And here is Natilee's quilt...moving fabric around to see how I like the placement. It's so nice to have helpful eyes of friends who can point out placement! Thanks ladies!!! Loved sewing with you all tonight!! :)
I'll take some close-up shots of the blocks I designed and printed myself later! I think my favorites are still the 9-patches...fabric design could be quite fun...if only I had better software! I designed my blocks in word...too bad this photo doesn't show the true cuteness of this fabric!
The block on the bottom left is part of the label I'll put on the back...printing the photo turned out really nice...oh the possibilities!!! :)
Can't wait to show you, Tami...I need ideas for quilting it!!!


text:
Want to reduce your air consumption? Be able to fin faster and farther with less effort? Look relaxed and in perfect control? Finish the dive with less fatigue? Receive approving smiles from divemasters?
The secret is pinpoint buoyancy control, and it all begins with fine-tuning your weighting—that's how much lead you thread on your belt or put into your pouches. If you are carrying just the right amount of weight, you will have the smallest amount of BC inflation. That means less drag and more efficient finning. Less BC inflation also means less buoyancy shift with depth, so you'll make fewer adjustments.
How Much Weight Do I Need?
Correct weighting depends on your personal buoyancy needs and is influenced by a number of factors—from the composition of your body to the thickness of your wetsuit. You can get a rough estimate of how much weight you'll need by using our exclusive buoyancy calculator. You should be able to estimate the proper weight within 4 to 5 pounds. Now, go diving and:
Make a Surface Check
A relaxed diver with a full tank and an empty BC should sink gently while breathing through the regulator. That's right, you should be slightly negative even on a normal inhale. That's a little heavier than you might have been taught.
The rule you often hear—that you should float at eye level—is about right for the end of your dive, when you will weigh 5 pounds less. (Most of that loss is the weight of the breathing gas you will use up.) So you need about 5 pounds of extra lead at the beginning of the dive.
Make Your Safety Stop Count
The goal is to be neutral while doing your end-of-dive safety stop, so that's when you can really fine-tune your buoyancy. With 500 psi at 15 feet, vent all the air from your BC. Concentrate on relaxing—any sculling with hands or feet will propel you upward. You should rise slowly as you inhale, sink slowly as you exhale. For your next dives, add or subtract a pound or two until you do.
If you are neutral at 15 feet at the end of your dive, you will probably be slightly positive at the surface. How positive will depend on how much neoprene you wear.
Log It
After each dive, write down what exposure suit you wore, what equipment you used, how much lead you carried, how much your body weighs and whether you seemed too heavy or light at your safety stop. Keep it up until you get your weighting correct. Then, even if it's six months later and you've gained a few pounds, you should be able to estimate almost exactly how much lead you'll need.
Make One Final Check
Got your weighting exactly right on the first day of your vacation? Great. Now check it again a few days later. Chances are you can drop a couple more pounds. Why? You're more relaxed now, so you're breathing with less air in your lungs.
Is "Perfect" Weighting Always Perfect?
Because excellent buoyancy control and minimum weighting are the hallmarks of an expert diver, many of us feel pressure to eliminate every pound of lead we can. But sometimes that's a bad idea.
When you're wearing little or no neoprene, there's little or no buoyancy change with depth. You can therefore minimize your weighting without risking too much positive buoyancy when you ascend.
But wearing more neoprene means more changes in buoyancy as it compresses. At depth, you'll probably have to inflate your BC to compensate for it so you lose a good deal of the streamlining benefit. As you ascend, you'll have to vent that air accurately to avoid positive buoyancy. Here, a couple of extra pounds of lead will give you a margin for error.
Other reasons to be two pounds or so heavy: inexperience judging your depth and controlling your buoyancy, darkness or low visibility that reduce visual cues of an ascent, task loading, and heavy surge that can pop you to the surface from your safety stop.
Think of minimum weighting as you would the edge of a cliff. You don't want to fall over into positive buoyancy and an uncontrollable ascent. When in doubt, it's safer to stay a few steps—or pounds—back from the edge.
Fine Tune Your Trim
Finding perfect buoyancy isn't just about finding the right amount of weight, it's also about the distribution of that weight. Proper trim—the distribution of your weight front-to-back, side-to-side and head-to-toe—helps you keep your fins off the reef and maintain an efficient horizontal swimming position. You should be able to hover in a horizontal position (or, ideally, in any position) without your feet sinking or rising, without rolling to one side or the other.
If your weighting is spot-on so that you're neutral during your 15-foot safety stop, try these exercises to see if you're properly trimmed. If not, you can shift some weight to compensate. Don't expect perfection, but you can get close. (You've got at least three minutes to kill anyway.) The trick is to be as relaxed as possible. Don't fidget.
buoyancy scuba diving
The Buddha Hover—Assume the modified lotus position (feet under your thighs) and grab your fin tips. This is a good position from which to fine-tune your buoyancy because your hands keep your fins from wiggling. It also detects trim problems: Do you fall over to one side or the other?
Prone Hover—Stretch out face-down and concentrate on relaxing and not moving your hands and feet. Do you roll to one side or the other? Do your fins rise or sink?
Side Hover—This is a better way to detect front-to-back imbalance. Stretch out on your side and, again, concentrate on not moving your hands and feet. Do you roll?
Freshwater/Saltwater Conversion
By how much do you have to change your weight belt when going from fresh to salt water? To be accurate, you have to consider the whole package: diver plus equipment.
Stand on the bathroom scale with the equipment and weight that makes you neutral in one medium or the other. Or you can estimate. A standard aluminum 80 tank weighs 32 pounds, a 7mm wetsuit is about 8 pounds. For regulator, mask, fins, etc., figure about 15 pounds. Include your weights.
Going from fresh water to salt? Multiply by 0.025 and add that amount.
Going from salt water to fresh water? Multiply the total by 0.025 and subtract that amount from your weight belt or integrated-weight BC.
Example: You weigh 175 pounds and your equipment adjusted for salt water weighs 75 pounds, for a total of 250 pounds. 250 x 0.025 = 6.25. Subtract 6 pounds from your weight belt for fresh water.
Quick Buoyancy Tips
Take A Course—Some certifying agencies offer courses in buoyancy and weighting. Sometimes called "Peak Performance Buoyancy," the courses teach precise buoyancy control, streamlining, weight and trim adjustment, equipment configuration options and relaxation techniques. Typically, it's a two-dive, one- or two-day course.
Slow Down—"One problem many divers have in controlling their buoyancy is learning to relax in the water," says Course Director Debbie Logan. "Sometimes divers think they are relaxed, but when you see them, they are trying to move too fast and making jerky movements. That not only wastes air and wastes energy, it also makes your buoyancy harder to control."
Buoyancy Problems Q & A
Q: I did all the checks and vented my BC thoroughly, but I still have problems getting and staying down. What am I doing wrong?
Is your BC really empty? Maybe not. Almost every BC traps some air despite your best efforts to dump it. Next time you dive, feel behind your head. If the top of your BC has formed a "pillow," it has trapped some air. It may amount to several pounds of buoyancy.
Solution: To deflate that pillow, lean back as though you were relaxing in your La-Z-Boy recliner and hold your oral inflate/deflate device toward the surface. Most BCs will then vent that last bit of air.
Q: I seem to have buoyancy problems on deeper dives. I keep adding air to stay neutral at depth, then have to fight to control my ascent. Am I overlooking something?
Most divers know that neoprene compresses with depth, losing buoyancy the deeper you go. But you might be surprised by how much it compresses. Most lose half their buoyancy in the first 33 feet, two-thirds by 66 feet and nearly all of it by 100 feet. At that point, 7mm neoprene foam has become solid neoprene less than 2mm thick. In this case, the buoyancy shift between the surface and 100 feet can be more than 20 pounds from the wetsuit alone. Because you regain that much buoyancy as you ascend, you risk losing control of your ascent rate.
Solution: Begin venting air from your BC as soon as you begin ascending. Stop occasionally to make sure you are neutral or only very slightly positive. Stay ahead of the problem, because once positive buoyancy begins accelerating your ascent, it can be very hard to slow it down.
Don't initiate an ascent by adding air to your BC. That air will immediately have to be dumped. Instead, inhale normally (a normal full breath will create 2 to 4 pounds of positive buoyancy) and kick up to begin your ascent.
Finally, don't over-correct. A common mistake is to add too much air to your BC when you're a little negative, or to dump too much when you're a little positive. You can "yo-yo" around the point of neutral buoyancy all day and never seem to find it. Add or dump just a short burst of air and wait about 5 seconds for a reaction before doing it again. It can take that long, or longer, for your body's upward or downward momentum to stop and reverse.
Q: My buoyancy used to be perfect, but not anymore. I weigh as much as I used to and still wear the same wetsuit and amount of weight as before. What's changed?
Most likely it's your wetsuit. Over time, neoprene loses buoyancy because some of the cells collapse or fill with water. Frequent use—or abuse by storing your weight belt on top of it—will accelerate the process, but all wetsuits become less buoyant as they are used.
Q: I enjoy perfect buoyancy at depth and on my safety stops, so why do I always have trouble getting down those first few feet from the surface, especially on the first dive?
It's a common problem on the first dive of a vacation. It's likely that you're a little excited, which does two things. First, you probably move your hands and feet a little, which pushes you upward. Try tucking your fins under your butt, or crossing your ankles. Second, you're probably breathing with the "top half" of your lungs—from mostly filled lungs.
Solution: Try exhaling fully, then taking only a half-breath.
Finally, lots of tiny air bubbles can get trapped in the fibers of the nylon covering the outside of your wetsuit, and even more air is trapped inside the suit. All of it can add up to a couple pounds of buoyancy, but you'll lose it in the first minute or so as pressure drives out the air.
Solution: You could "burp" the suit by opening the collar seal with your finger, though you'd probably let in unnecessary cold water.
Q: Help! I took off too much weight and now I'm too positive to hover at 15 feet.
So make your safety stop at 20 feet, or 25, or even 30 if you have to. If you're wearing any neoprene, it will compress and reduce your buoyancy.
There's nothing magic about the 15-foot number. The research that led to the safety stop recommendation was actually done at various depths between 30 and 10 feet. Certainly a safety stop at 30 feet is better than no stop at all. Just try to stay at a consistent depth and when you do ascend from the stop, do so in a slow, controlled manner.


text:
Shadowy stories, books, poems, and more
6 results
Related Tags:shadowy, dark, death, sadness, abyss, aeston, again, alone, aphotic, appear, atramentous, babylon, beckons, begging, black, blackish, blood, bright, caliginous, carnage, catch, childhood, cimmerian, clouded, cloudy, crepuscular, darakai, darkened, darkness, demon, depression, deserted, dim, dingy, drab, drama, dull, dun, dusk, dusky, etheree, faint, foggy, front, ghost, gloomy, goes, gore, green, grimy
Currently the story takes place in the Seventh Era. The technology is advanced enough to have flying vehicles, a floating city, and many other miraculous feats. Kyranth is a vast realm in which humans and Elves inhabit the land. Unfortunately in the Seventh Era, the Elves are believed to have… Read More
August 27, 2010
just something i came up with when i was bored. Read More
Just a poem about how loneliness once haunted me with every waking breathe and now hasn't been an enemy of mine since i fell in love with the very girl that has my heart to this very day. Read on, it's a quick and heart-filling read. Read More


text:
Append to Clipboard 2.8by Jamal Mazrui
Control-C is a standard key for copying selected text to the Windows clipboard. Press Control-Windows-C to append to it instead. If the script finds that no text was appended, it appends the line of text at the focus cursor or browse mode position. Control-Windows-X works similarly except that text is cut rather than copied. The number of characters appended is spoken, or an error message if none. If the clipboard contains text and you append more, a line break is inserted as a divider. Press Control-Windows-V for the Paste Manager dialog with a multiple selection listbox and several buttons. The list contains snippets you appended that may now be pasted either individually or in combination. If the clipboard currently contains text, it is the first snippet in the list. Select one or more snippets and choose the default, Paste button. The snippets are combined, placed on the clipboard, and then pasted into the previously focused window. Alternatively, choose the Remove button to drop snippets from the list if they are no longer needed. The Clear button empties the clipboard. The Help button invokes the standard help dialog of the script. If the Jump to Item script is running, you can jump to a snippet based on text it contains. You can also select all or unselect all snippets in the list. This global script requires GW Toolkit.
Download Now
Supported Languages: English
Minimum Version: Window-Eyes 7.0
File Details:
- Filename: AppendToClipboard.wepm
- Date: 11/13/2008 2:57:34 PM
- Size: 9KB
- Total Downloads: 6028
DISCLAIMER: Ai Squared DOES NOT ASSUME AND IS NOT RESPONSIBLE FOR ANY LIABILITY WHATSOEVER FOR THE CONTENT OF THIS, OR ANY EXTERNAL, APP, THE OPERATION OR CONTENT (INCLUDING THE RIGHT TO DISPLAY SUCH INFORMATION) OF ANY APP, NOR FOR ANY OF THE INFORMATION, INTERPRETATION, COMMENTS OR OPINIONS EXPRESSED IN ANY APP. ANY COMMENTS OR INQUIRIES REGARDING THIS APP ARE TO BE DIRECTED TO THE PARTICULAR PERSON OR PERSONS RESPONSIBLE FOR AUTHORING AND PROVIDING THE APP.
On 7/1/2008, randytravisfan wrote:
I have been waiting for this feature for a long time now so first let me say "thank you". however, it seems that once i appended things to the clip board, neither remove or clear seem to get rid of them from the manager list. Only until i unloaded and reloaded Window eyes did it appear to remove all of them. Perhaps i am doing something wrong but i just couldn't seem to get rid of anything on the list until I closed WE and reopened it. Help.
On 6/25/2008, crystalfire wrote:
when i tried to use this script i got an error in line 40 something about the synthesizer not being valid could you please fix it? thanks


text:
This year, Easter's come later, which sadly for me, also means delayed access to hot cross buns. Forget the chocolate bunnies and eggs,I'd much rather have a lightly toasted hot cross bun with a generous slather of salted butter. Up until this Easter, I had never made them before, in the past, I'd look… Continue reading Hot cross buns
Month: April 2017
Chocolate honeycomb cake
It's been an unintentionally long break from my last blog post, and truth is, I haven't baked one of my dad's recipes in ages! I mean, I went back over Chinese New Year and managed to collect some of his recipes then, but those are still sitting within my phone, waiting to be looked… Continue reading Chocolate honeycomb cake


text:
Job Description
Location: Cameron, LA
Type: Permanent, Full- Time
NES Global Talent in partnership with a fast growing Midstream Operator is hiring Sr. Process Engineer lng for a permanent position based in Cameron, Louisiana.
The Sr. Process engineer should have broad understanding of the principles of fluid flow, heat transfer, thermodynamics, and hydrocarbon process chemistry. Familiar with the hazards of hydrocarbon processes and the methods used to keep process facilities safe. In- depth knowledge of LNG process engineering related to LNG processing, storage, and transportation.
- Develop tools to monitor process performance and make improvement recommendations.
- Support plant Operations personnel in troubleshooting process issues and concerns.
- Develop and run computer process simulations in support of daily plant operations, plant modifications and capital projects.
- Design and carry out tests in the interest of enhancing production or solving process problems.
- Provide process engineering support for the commissioning, start-up and operation of the LNG plant and/or new process units installed in the facility.
- Participate in the development, reviews and bidding of engineering services and technical contracts.
- Provide project support by providing technical oversight of the process design and reviewing contractor's documents.
- Participate in the development of process basis, preliminary estimates, and schedules for project design scopes.
- Thoroughly understand the technical Management of Change (MOC) process and utilize it in support of capital projects and routine facility changes.
- Participate in Process Hazards Analysis (PHA) utilizing checklist, "what if", and Hazard and Operability Review (HAZOP) methodologies.
- Participate in Pre Startup Safety Reviews. (PSSR).
- Participate in incident investigation teams.
- Participate in regulatory agency audits.
- Support procedure development and training related to capital projects, temporary or new modes of operation, and compliance.
- Reinforce safety and environmental awareness through frequent job observations and by interfacing with plant personnel.
- Work with Engineering and Construction department to assure O & M interests are represented on major projects.
- Interact with and support Commercial Operations, Regulatory Affairs, and other departments as required.
- Bachelor's degree in Chemical Engineering. A Professional Engineer's (PE) License is a plus.
- Five (5) to Ten (10) years' experience in an industrial setting in engineering or operations, depending on type of experience. Experience with LNG liquefaction, petrochemical, NGL, cryogenic natural gas processing, or other hydrocarbon processing is required. Previous experience in commissioning and start-up's is a plus.


text:
Tom and Kim Roof, founders of Followers of Christ International, have served as missionaries in Peru for more than 20 years where they were directors of a Bible College and then Children's pastors with the church Camino de Vida. The Roof's planted a local church in Lima and founded the nationwide children's ministry of Hearts in Action Peru. They currently live in the Venice area organizing mission trips, traveling to various parts of the world with the vision to reach the younger generations in the nations for Christ, through Sunday school teacher training courses, social outreach, and quality teaching materials. You may visit their website at www.followersofchrist.us
The Vision
Followers of Christ International exists to extend the Kingdom of God in the country of Peru and in the nations through preaching the Good News of Jesus Christ. The vision is to know Him and make Him known! Whether through evangelistic outreaches, hosting missions groups, establishing schools, or doing children's and youth ministry, our message is JESUS, that He is the only answer for this generation and the world we live in. The real dream is seeing lives changed and transformed by the Holy Spirit, and the body of Christ raised up through the local church among every people group and culture.


text:
You can reset your password by going to https://collabornation.net/user/password. This page can be found by going to the login page and going to Forgot your password or email? if you are not logged in.
Enter your email address, then click on E-mail New Password.
An email will be sent to the address provided. Go to the link to change your password. This link can be used once to change your password and will expire in one day if it is not accessed.
Once you go to the link you'll see a page to make sure you log in.
Make sure to enter a new password, then Save to update your password.
Reset password when logged in
You can reset your password if you are currently logged in. To do so click on your Profile Image, then My Profile, and then click on Password. This page will ask you to enter a new password.
Forgot your email address
If you have forgotten your email address and you're not logged in, please contact us by submitting a ticket or by calling our support line at (888)-685-4440.