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I was looking at the preferred asset classes under the Basel Accords in my previous post on why central banks are so determined to stave off a government default, and realised that every single asset class that is given less than a 100 percent credit risk weighting is now tainted by widespread default, scandals or bailouts.
The credit risk weightings mean that instead of reserving the standard 8 percent of capital in respect of a debt, the bank can cut that by the weighting applied to the asset class. Effectively, the reduction in credit risk weighting operates as a powerful subsidy to the borrowers and equally powerful incentive to over-leveraging the lenders.
As a baseline, all financial, consumer and corporate debt must be reserved at a credit rating of 100 percent of 8 percent, unless explicitly discounted. A weighting of 50 percent, for example, means that instead of holding $8 reserves on a loan of $100, the bank only needs to hold $4 of reserves. A zero weighting means they lend $100, but hold no reserves at all.
Mortgages get a credit risk weighting of 50 percent, and we all know how well the mortgage market is performing. Mortgages and mortgage backed securities became the largest asset classes globally in a matter of years thanks to the credit weighting subsidy and securitisation. If I recall correctly, our present long crisis started with the collapse of the sub-prime market and now all categories of US mortgages are impaired by the ongoing mess with MERS and fraudulent or missing documentation. Borrowing short to lend long brought down Northern Rock in the UK and many other over-leveraged mortgage banks.
Interbank debt gets a credit risk weighting of 20 percent. We've seen from the collapse of interbank lending that banks do not trust each other. At the same time, inter-bank exposures and credit derivatives mean that financial institutions are massively dependent on each other, such that bailouts are justified as essential to prevent systemic collapse. If Too-Big-To-Fail is predicated on the systemic impact of a bank's failure on other banks, it would seem that the 20 percent inter-bank risk weighting was and is unsound.
Government agency debt gets a risk weighting of 10 percent. Looking at Fannie and Freddie, and the serial scandals and bailouts they have occasioned over the past decade, it is hard to see how such a subsidy can be justified.
Finally, sovereign debt of Zone A states is zero weighted - no reserves required at all. Zone A includes any country in the EEA, full members of the OECD, or states that have concluded special lending arrangements with the IMF except that any state that reschedules its debt is excluded from Zone A status for five years.
So the current financial crisis started with bad mortgage debt, spread to bad bank debt, carried over into bad agency debt, and now encompasses bad sovereign debt. Each of these categories was given preferential capital weighting under the Basel Accords, and now all are open sores on the financial system and the stability of excessively indebted governments.
Not only did the Basel weightings encourage poor risk assessment, they directly contributed to the inadequate capitalisation of banks for the risks they assumed.
And yet, have you heard any regulator take responsibility for regulatory failures yet? I haven't. In fact, I've seen no historic analysis of capital requirements, deregulation of credit markets, securitisation, derivatives, demutualisation, or any of the other regulatory policy innovations which should reasonably be matters for review in assessing the causes of the current crisis.
As the bankers and regulators do not seem keen to be reflective about their own policies and conduct, it's hard to imagine that they can craft constructive reforms to make the system safer or more efficient in future.
I've downloaded the draft Basel Accord III, released this week, for leisure reading. Sadly, I'm trending to the view that all harmonised regulation is likely to end in disaster as it precludes independent judgement and sensible challenge to orthodoxy. Once something has been agreed by a big enough committee, it becomes impossible to question whether it makes sense. Ultimately the unintended consequences of incentives and distortions mean it won't make sense, but by then it's far too late to change course and break from the herd.
Saturday, 18 December 2010
More on the lunacy of the Basel Accords
Posted by London Banker at 17:51 27 comments
Labels: Basel Accord, credit risk, prudential supervision
Monday, 13 December 2010
Basel Faulty: Sovereign Defaults and Bank Capital*
A foolish consistency is the hobgoblin of little minds, adored by little statesmen and philosophers and divines. - Ralph Waldo EmersonWhen historians of the future look objectively at the era preceeding this long financial crisis, they might well conclude that failure of the globalised capital system is traceable to the Basel Accords.** The unreasonable assumptions and myriad distortions introduced in this one-size-fits-all paradigm of bank capital adequacy fatally undermined the practice of independent judgement in assessing credit risk and prudential supervision of banks.
Bankers of the past had to assess the creditworthiness of a debtor or counterparty based on balance sheet, revenue potential and management reputation for competence. They husbanded their scarce capital, aware that each dollar lent remained at risk until repaid, with cash reserves proportional to the bank's assets usually 8 to 10 percent.
A primary fallacy of the Basel Accord is that OECD government debt is risk free and requires no bank reserves. Better yet, the banks can count the government debt they hold as Tier 1 capital, reserving against other debt assets. The Basel Accords assume all OECD government debt is a cash proxy, being liquid in all market conditions.
Walter Wriston's 1970s dictum that "sovereigns can't default" was disproved in the Third World Debt Crisis of the 1980s, but somehow the BIS Committee on Bank Supervision still embraced it when applied to OECD state debts.
Roughly, the risk weights of the main asset classes under Basel I were:
- zero for Zone A (EEA and OECD) government debt of all maturities and Zone B (non-OECD) government debt of less than one year;
- 20 percent for Zone A inter-bank obligations and public sector entity debt (e.g. Fannie Mae, Freddie Mac, et al.);
- 50 percent for fully secured mortgage debt;
- 100 percent for all corporate debt.
The post-Basel bank supervisors applied their prudential supervision models unthinkingly, to rubberstamp the bankers' leveraging of their balance sheets toward ever greater excess. No one bothered to ask whether Basel Accord assumptions made sense. They were the harmonised norm for prudential supervision and too deeply embedded in the fabric of international finance to adjust, except to allow more and greater leverage in Basel II through liberal recognition of derivatives. Basel II allowed the banks to offset even more risk exposure with even less capital through collateral, securitisation, credit default swaps, and recognition of the validity of internal asset valuation models.
Global harmonisation of prudential supervision around the Basel Accord meant that the hobgoblin of excess leverage became systemically entrenched in all markets, in all nations. The foolish consistency of harmonised capital adequacy was adored by little minds of global bankers and central bankers worldwide.
The zero weight for OECD government debt must have appeared a harmless subsidy to OECD governments in 1988, promoting liquid government debt markets and enhancing the competitive positioning of OECD-based global banks who stood to gain most from the harmonisation of global bank regulation and capital rules.
Leveraging their balance sheets to work every dollar of capital harder became the obsessive preoccupation of two generations of bank executives once the Basel Accords were adopted. Risk management departments were less about controlling exposure to adverse credit events than about identifying deal structures which would minimise the amount of regulatory capital allocated to any exposure.
Fannie Mae, Freddie Mac, and their ilk were an early mechanism to reduce the reserves required from 50 percent on an individual mortgage to twenty percent or even zero, allowing the banks to write more and more mortgages with less and less capital. When these entities proved inadequate in the go-go 1990s, asset back securities allowed banks to get sub-prime mortgages - and thereby the capital requirement - off their books entirely, passing the risks to yield-hungry investors. With Basel II they could reduce capital even further by writing each other a daisy chain of credit default swaps for all categories of exposure. Who could have known that it would end badly?
OECD government debt is zero risk weighted and accounts for a disproportionate bulk of Tier 1 capital of major banks. A default by any EEA or OECD government will force banks and central banks to recognise that government debt has inherent risk like all other debt. This would force recognition of a positive risk weighting, and bring into question the assumption that government debt can be counted as a cash-proxy in Tier 1 reserves. The illiquidity of impaired or defaulted government debt would undermine its role as a Tier 1 reserve asset in bank capital models.
At this writing the OECD governments at risk of default are Greece, Portugal, Spain and Ireland, with other states queuing up in the wings. Already the ECB is the only buyer in the market for much of the impaired government debt.
If any OECD state were to default there would be very serious implications:
- The Basel Accord zero risk weight of government debt would be proved fanciful;
- The assumption of government debt as a liquid asset suitable for bank Tier 1 reserves to meet unanticipated and sudden cash demands will become unsustainable;
- Banks would be forced to recapitalise at much higher levels, forcing even sharper deleveraging and contraction of lending;
- Governments would lose the captive, uncritical investor base they have relied on to finance excess public expenditure for the past 30 years;
- Central banks could be forced to suddenly monetise even more government debt if required to meet the cash demands of a run on their undercapitalised banks.
Looked at this way, you should be able to understand why the ECB keeps repeating that there can be no Eurozone sovereign default, and why the UK and US are staunchly behind them in preserving the illusion of state solvency for all Eurozone states.
It will likely prove impossible to reform the bankers and central bankers dependent on the Basel Accords for their business models and careers. Harmonisation of global standards was supposed to make the world safer. A foolish consistency on bad policy and bad practice led instead to a world on the edge of financial implosion.
This hobgoblin haunts us all.
* Hat tip to Tracy Alloway at FTAlphaville for suggesting a revision to the title for this post.
** Several commenters questioned my spelling of Basle Accords in the original post. I prefer the British/French Basle which was standard in my youth on Basle Accord documents, to the German/American Basel more common and current today. Nonetheless, I yield to the customs and usage current today in changing the spelling to Basel.
Posted by London Banker at 13:10 34 comments
Labels: bank capital, Basel Accord, soverign default, Tier 1
Thursday, 9 December 2010
The Return of London Banker?
I am back in the City that I love, at my pleasantly cluttered desk, after an adventure of nearly two years. I hope I did some good.
Looking back at what I published here and on Roubini.com in 2007 and 2008, I am proud of the passion and fluency I wrote with as we shared the experience of the financial crisis in its early stages. Some things I got right, some I got wrong, but that is to be expected when observing events honestly and with imperfect information as they unfold. I have not written with such passion since. I am not sure how or whether to start again.
Does anyone remember that I used to write? Does anyone care if I write again?
Let me know in the comments below.
Looking back at what I published here and on Roubini.com in 2007 and 2008, I am proud of the passion and fluency I wrote with as we shared the experience of the financial crisis in its early stages. Some things I got right, some I got wrong, but that is to be expected when observing events honestly and with imperfect information as they unfold. I have not written with such passion since. I am not sure how or whether to start again.
Does anyone remember that I used to write? Does anyone care if I write again?
Let me know in the comments below.
Posted by London Banker at 12:39 62 comments
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Foreign certificate students are admitted in MU in accordance with the directives of the Public Administration for Admission, Evaluation and Certificate Equivalence of the MHESR that refer to admission of foreign certificates students.
Note With reference to foreign certificates, only those certificates issued by Ministry of Education in concerned country are accepted. Certificates issued by schools separately are not approved for application.
Controls and procedures for admitting British certificates IGCSE & GCE.
Procedures for admission to governmental and national Higher Education establishments for students who sat for British IGCSE & GCE certificates shall be as follows:
- Students holding IGCSE & GCE certificates at level Eleven only may be admitted - Students holding IGCSE & GCE certificates at level Ten should meet following conditions:
1- Passing 7 subjects at least at level Ten to consist with admission terms in the required college. 2 To sit for the one-year advance level examination. 3 Required subject at (AS-Level) shall be as follows: -
a. Scientific section students bio (who want to be admitted in Medical Sciences Colleges) shall sit for two subjects one of which must be biology and the other may be either or (Physics - Chemistry) b. Scientific section students math. (who want to be admitted in Engineering Colleges) shall sit for two subjects one of which must be mathematics and the other may be either or (Physics - Chemistry) b. Literal section students shall sit for English language and one from the other optional subjects.
1. Student shall be qualified for admission having passed seven subjects at the normal level where he/she scored from(A* - D) grades, and two subjects from the advance level where he/she scored from (A* - D) grades.
2. Mathematics at the Advanced level (AS- level) equals Additional Mathematics that qualifies for Engineering colleges.
3. The two advance level subjects and five subjects from the normal level subjects are counted in the percentage that qualifies for admission after fulfilling passing seven subjects at least at level Ten.
4. Qualifying percentage for admission for (IGCSE & GCE) certificates is calculated as follows:-
Control and Procedures for Saudi General School Certificate Admission
Saudi General School Certificate students are admitted in Governmental and National Higher Education Establishments after they have sit for the Learning Capacity Test as a conditional term for admission. Compound percentage for admitting Saudi General School Certificate is considered after approving 80% of the L.C. test and 20% of SGSC. In addition to considering capacity result in preference in case of joining.
Controls and procedures for admitting American High School Diploma
Terms and Conditions for admission in Sudanese Higher Education Establishments for American High School Diploma students starting from academic year 2015-2016:-
1. Student should be holding American High School Diploma (details certificate for Grades 9-10-11-12)
2. Student should have obtained his/her Certificate from accredited governmental or private school by educational authorities at the country of issuance.
3. Student should have passed seven subjects in the American School Certificate that consist with admission terms of the required college.
4. Student should sit for the (Sat1&Sat2) tests. 5. For admission in Medical Sciences Colleges, student should sit for two subjects in (Sat2) test including Biology and either or (Chemistry - Physics). 6. For admission in Engineering Colleges, student should sit for two subjects in (Sat2) test including Mathematics and either or (Chemistry - Physics). 7. Percentage for School Certificate is calculated as follows:-
a.30% of the total marks of the seven subjects qualifying for each college
b.30% of the total marks student had scored in (Sat1) test.
c.40% of the total marks student had scored in (Sat2) test.

subset: commoncrawl


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Courteney Cox says it's time to give up on the idea of a "Friends" reunion.
Cox told David Letterman on "Late Show" on Monday that there won't be a "Friends" reunion, mostly because it's too difficult to get all six former castmates on the same page at the same time.
"You're sick of the question, aren't you?" Letterman asked Cox, who played Monica Geller on the NBC sitcom.
"Only because once you say, 'Well, I'd like it,' then they have to contact every other cast member and be like, 'Courteney's into it!' And then I get in trouble."
"It's not gonna happen," she said.
That's terrible. What's next … no third "Sex and the City" film?
Cox said she can't even get everyone together for dinner.
"Let me tell you something: there's six friends and I've been trying to put together a cast dinner for 10 years. It doesn't happen," she said.
"I can get the girls to come, maybe Matthew Perry. Matt LeBlanc canceled last time right at the last minute, Schwimmer lives here (in New York City,) so it's just not gonna happen."
Right. If only there was a way to get from New York City to Los Angeles in about five hours or so … .
Nah — it'll never happen.
Cox also posed how such a movie could be put together.
"We did the whole show on a soundstage in Monica's apartment," she said. "So what are you gonna do?"
Film somewhere else?
Contact Tony Hicks at Facebook.com/BayAreaNewsGroup.TonyHicks or Twitter.com/insertfoot.


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Northern Ireland — Long known for sectarian conflict, Northern Ireland is now in the grip of a new story of politics and violence. Much of the hit HBO series Game of Thrones was filmed in Northern Ireland, and fans are flocking to see the real-life sites of their favorite scenes.
Trouble viewing this video? Watch "Searching for Westeros" on Vimeo.


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Drag Queen Ban Lifted and New Ban Imposed
Just a week ago, we reported that Most Holy Redeemer parish in the Castro neighborhood of San Francisco had banned an annual fundraising event because it featured drag queens.
The San Francisco Examiner is now reporting that the ban on drag queens has been lifted:
"Although a gay-friendly Catholic church in The City's Castro neighborhood is receiving heat for allegedly banning drag queens from all future events on its premises, church officials are saying that while they opposed the idea at first, they quickly changed their minds."
The event is a fundraiser for the Castro Country Club, a neighborhood 12-step recovery organization, which has used the church's hall for several years.
The news report suggests that the new pastor received some education about drag queens before announcing the new decision:
". . . "[C]hurch Business Manager Michael Poma acknowledged that Pastor Brian Costello did tell members of the Castro Country Club that they could not hold their event if drag queens were scheduled to attend, Poma said he quickly reversed his decision.
" 'Father Brian wasn't educated about the importance of drag queens in the gay community,' Poma said. 'Once it was explained to him, he said they were welcome to attend as long as their behavior was church-appropriate.' "
Most Holy Redeemer says that there was a different reason for the ban:
"Church officials now say the new policy is not a prohibition against drag queens, but rather an end to all one-time events that do not originate at the church. Poma said the ban applies to all outside events — gay or straight — including weddings, parties or fundraisers. The church is still planning to hold its own events, including 12-step programs, suppers for the homeless and AIDS support groups.
" 'This is not a ban on drag queens or an insult to the gay community whatsoever,' Poma said. 'In the church hall there have been issues with weddings and other groups, so we decided to put an end to them altogether. We are part of the community here and to think that we're banning drag queens is obnoxious and ridiculous.' "
Additionally, there is some discrepancy about when the ban on outside groups was to be implemented, and the role that the Archdiocese of San Francisco did or did not play in the original decision:
"The ban on outside events was scheduled to go into effect at the end of September, but was pushed forward after the church consulted with the San Francisco Archdiocese. Although the Bay Area Reporter suggested Salvatore Cordileone, who is set to be the next archbishop, made the decision, the archdiocese insists it was completely up to the parish."
The Bay Area Reporter article from last week reported:
" 'I am the new pastor,' [Fr.]Costello added. 'There is a new archbishop. The archdiocese told me straight out, "No drag queens." ' "
KQED Radio's Laird Harrison interviewed George Wesolek, the Archdiocese of San Francisco's spokesperson, about the chancery's involvement in the decision, and he printed the following account on the radio station's news blog:
"Returning my call, archdiocese spokesperson George Wesolek told me the church did not ban cross-dressing, it simply closed its facilities to groups not affiliated with the church. The change took place about two months ago and it had nothing to do with the appointment of the new archbishop, who doesn't take office until Oct. 4, Wesolek said. He added that many parishes have similar policies for many reasons.
"Here's our conversation, edited for brevity:
"George Wesolek: One example is that sometimes an outside group will come in and perhaps do something of a political nature. That can be disadvantageous to us because we are not supposed to be doing any kind of political activity with candidates. We can with issues, but not with candidates. So that is a somewhat usual policy for parishes.
"Laird Harrison: So there was no connection with the appointment of the new archbishop?
"George Wesolek: I know for a fact there is no connection at all. I would be very surprised if the new archbishop knew anything about this.
"Laird Harrison: Then why would Costello have attributed the change to the archdiocese?
"George Wesolek: He's new there and I'm not quite sure what he had meant about that. He may have talked to someone at the archdiocese — in the legal team for example — and he was talking about a way of instituting a policy or was trying to understand the policy because it was in place before he came.
"Laird Harrison: Does the archdiocese have any sort of policy about drag queens?
"George Wesolek: We would pretty much leave that up to the parish. I would think that most parishes would not consider that appropriate."
It is good to have a positive statement about the presence of drag queens coming from the pastor. It is even better that the parish acknowledged his willingness to be educated about the issue. Yet, what remains troubling is that there are still unanswered questions about how the decision was made and why is it only now that the parish is saying that this was a general ban against renting the space to outside groups.
There is no word if the originally banned show will now go on as planned.
We will keep you posted if this story develops or if further explanations are given .
–Francis DeBernardo, New Ways Ministry


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|Posted: January 13, 2009
Photonic crystals enable precise control of terahertz cascade lasers
|(Nanowerk News) Terahertz cascade lasers are a new family of semi-conductor lasers which emit in the frequency range of the terahertz, or 1012 hertz. Because of their potential applications, they currently raise considerable interest, despite one major drawback: their output beam is markedly divergent.
|To solve this problem, a French-English collaboration led by Raffaele Colombelli, researcher at the Centre National de La Recherche Scientifique (CNRS), has used special microscopic components called photonic crystals. In combination with the laser, the team was able to control the laser beam and considerably restrict its divergence. Published on January 8 in the journal Nature, this finding opens the way to a large number of promising applications, for instance in the field of terahertz medical imaging ("Electrically pumped photonic-crystal terahertz lasers controlled by boundary conditions").
|Situated in the far infrared range of the electromagnetic spectrum, between mid-infrared and microwaves, terahertz waves have some major advantages: they can penetrate through skin, clothing, paper, wood, card and plastic. These properties offer applications in medical imaging, spectroscopy, and environmental detection (detection of biological agents, pollutants etc.).
|Terahertz cascade laser systems raise considerable interest due to their numerous advantages: they are compact (3), they use electrical energy -- reference is made to electrically "pumped" lasers (4) - and they operate in the terahertz range of the electromagnetic spectrum (THz). Indeed, the generation of radiation in the frequency range between 1 and 10 THz (also called the THz "gap") with a compact device has proven extremely challenging. This explains the considerable interest raised by terahertz cascade lasers, which are the only compact sources (smaller than a millimeter) operating within this range of frequencies. However, these promising lasers have one weakness: the marked divergence of their output beam, which prevents their widespread use.
|The scientists used very small structures, photonic crystals, to influence the optical properties of the material and thus enable control over the light trajectory. By combining these components with the terahertz laser, they managed to design an ingenious system that emits terahertz waves but also, and above all, enables precise control of the laser beam. Thanks to this effective technology, this beam now diverges very little.
|This novel system opens up numerous fundamental and applied perspectives. It is now necessary for the researchers to maximize the output power of these lasers. Furthermore, better control of the photonic crystal technology may enable the design of new terahertz lasers of an even smaller size. The technique thus developed could be generalized to other lasers operating in different ranges of wavelengths. Finally, these results may give rise to several applications, notably in the fields of spectroscopy and THz imaging.
|This work was made possible by the EURYI award given in 2004 to Raffaele Colombelli by the European Science Foundation. This allowed him to set up a research team within the Institut d'électronique fondamentale at the Faculty of Sciences in Orsay, where he is supervising the doctoral thesis of Yannick Chassagneux, the lead author of this publication.
|Source: CNRS
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HTC has rolled out a number of updates for its Windows Phone 8 hardware. Those who own either the HTC 8S or 8X will be able to install new versions of Attentive phone, Beats Audio and Regulatory. What's new in these new releases? We're not entirely sure, unfortunately.
Here are the version numbers for each update:
- Attentive phone - v2.5
- Beats Audio - v3.5
- Regulatory - v1.3
It's good to see the struggling manufacturer taking the time to support Windows Phone owners with updates to system apps. If you notice anything new in any of the system apps we've mentioned, be sure to let us know in the comments.
via: Windows Phone Italy


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Retail Sales Executive - Banbury
- Recruiter
- Camelot Group Limited
- Location
- Banbury
- Salary
- Competitive bonus and benefits scheme
- Posted
- 03 Aug 2018
- Closes
- 03 Sep 2018
- Function
- Sales
- Business Sector
- Non Food & Drink
- Hours
- Full Time
- Contract Type
- Contract
We're currently recruiting for Retail Sales Executive for the Banbury area. Whether you're an experienced field sales professional or a recent graduate with some work experience under your belt, looking for your first step in field sales then this could be the opportunity for you!
Why work at Camelot?
- We currently turnover nearly £7billion per year - it may surprise you to know that we do this with a workforce of only c.750 people. This means that every one of us has a part to play and make a difference.
- Camelot changes lives for the better - not just for the many millionaire winners we create but with the £30 million a week we raise to thousands of good cause projects across the UK.
- National-lottery.co.uk is one of the UK's top e-commerce sites - this is measured by web traffic and we have almost 9.5 million registered players. We also operate four of the UK's biggest FMCG brands including the iconic Lotto and EuroMillions.
How you'll make a difference
As a Retail Sales Executive you will be the face of Camelot for the National Lottery retailers within your designated territory. As a Camelot ambassador you will build positive relationships with our retailers and maximising the sales of the National Lottery and the return to Lottery funded good causes.
What you'll bring to the table
- Previous field sales experience (ideal, but not necessary)
- You're always bringing new ideas to the table!
- Strong sales and commercial acumen
- You're a people person and confident speaking to our retailers and can build great relationships!
- Experience of face to face selling - and you're pretty good at it!
- Good with numbers and your able to analyse data and provide insight to our customers
- A full UK driving licence and flexibility to travel across your territory
What we'll give you
We look after our people. There's a competitive bonus and benefits scheme, 26 days of holiday goodness and a rather generous pension scheme. Thinking about your health? No probs - we'll give you full private medical cover and 50% off your annual gym membership. Finally, we keep it fun. We work with a smile on our faces with loads of social activities, team nights out and outdoor bonding events & a nice shiny car for when you're out on the road.


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So you want to trade foreign currency?
Forex is by the far the world's biggest financial market where barely conceivable amounts of currencies are traded daily.
There is the potential of massive reward for the successful trader, but you do need to keep in mind that every successful trade will be balanced by a loss elsewhere.
You will seriously need to be on the ball to ensure that any losses you sustain are kept to an absolute minimum. You'll need strategies for coping when you are succeeding, but also you'll need to know in advance what you're going to do when the tide turns against you.
The Foreign Exchange market has been with us for many years now, since the nineteen seventies in fact. But it has only recently become more accessible, largely as a result of new technologies. These have made it easier for bright people to quickly get a hang of trading and given them access to a wealth of knowledge, insight and potential strategies that could only be learnt through years of gaining experience in the past. An interesting aspect of modern trade is that you can learn the ropes in complete safety with some of the training systems that have been developed by the more sophisticated brokers. Even when you are involved in live trades you can test your strategies in a safe environment before taking them to market.
Online you'll find an enormous amount of detail that will help you if you have the time to sift through it all. There are fantastic blogs and discussion groups where people swop ideas, success and indeed failure stories right across the globe. If you work through one of the more established brokers you'll be able to get all your base information from them, perhaps learning some sneakier techniques online.
Once you are trading for real your broker will offer you millisecond trading that will enable you to capitalize on infinitesimally small movements between currency pairs – this is not a market for the faint hearted!
Today some four trillion dollars are traded daily on the markets that are open for business 24 hours a day from Monday morning in the east to Friday night in the west. You'll soon get used to terms like spot trades and swops – this is where the majority of that trade takes place.
Once you have decided that you want to get involved your first step is to choose a broker. Take time and ascertain what is on offer and how that fits with your level of knowledge and expertise. This could be your most important decision.


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It seems birds of prey are earning Poche Beach an "A."
Falcons and hawks trained and flown by Adam Chavez of San Juan Capistrano evidently have succeeded – at least for now – in scaring away sea gulls blamed for polluting the beach with their droppings in recent years. The birds hung out by the hundreds at a freshwater pond at the mouth of a Poche flood-control channel.
Poche, at the border of San Clemente and Dana Point, has been scoring "A" grades since August from Santa Monica-based environmental group Heal the Bay. The website healthebay.org monitors local health departments' bacteria warnings at beaches up and down the state.
Orange County hasn't posted any bacteria warnings for Poche during that period, said Tom Bonigut, San Clemente's assistant city engineer and director of the city's anti-pollution programs.
The past six years, Heal the Bay has listed Poche as one of California's "top 10 beach bummers" in its annual beach report card, published in June.
That was despite the fact that the county built a $3 million runoff treatment facility at Poche to convert urban runoff into clean water. The cleaned water would collect in a pond and the bird droppings would pollute it, a study commissioned by the city concluded.
Earlier this year, Poche had a run of "A" grades during a three-month experiment during which Chavez's predators patrolled the skies over Prima Deshecha Landfill three miles inland to keep gulls from landing and feasting on trash at the dump. It was a landfill program, but it also benefited the beach – the number of gulls dwindled both at the landfill and Poche.
When the falconry contract ended, so did the unfriendly skies over Prima Deshecha. Gulls returned to the landfill and "F" grades resumed at Poche, even as the beach's treatment facility continued to do its job.
In August, the city of San Clemente hired Chavez to send his birds aloft at Poche for two months to deprive the gulls of fresh water from Poche's pond. The gulls disappeared. Poche's grades went up.
Larry Honeybourne, manager of the county Health Care Agency's water-quality programs, said Tuesday that no bacteria warnings were posted for Poche between March and May and there has been none since Aug. 25.
This week, Poche is still getting an A+ four weeks after the beach's falconry experiment ended.
But the falcons aren't far away. The county recently hired Chavez to fly his birds at Prima Deshecha on a one-year contract designed to deny gulls the ability to land on the trash.
When Chavez's experiment at Prima Deshecha began in February, he estimated that 5,000 gulls were commuting there daily to feast. The population dwindled as the gulls decided to seek friendlier skies. Then he left. When he returned to Prima Deshecha toward the end of September on his new contract, he estimated 1,000 gulls were dining on garbage.
Now it's "maybe 300," Chavez said Monday. "Some days it's down to 50. An average day is probably 300. A heavy day is 500 to 600. We've done a pretty good job at the landfill 10 hours a day, six days a week."
Contact the writer: 949-492-5127 or firstname.lastname@example.com


text:
Currency Displayed in
AME Tri Star MTB grips
The raised A'ME triangle pattern for more aggressive feel. Low profile design eliminates hand fatigue. Proprietary blend of TPR rubber compound and Vulcathane™ promotes better control under any condition. Extra long design can be trimmed to any length.
Color: GRAY
Overall length is 139mm
These fit standard 7/8" (22.2mm) handlebars
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All prices are in USD.


text:
- Shandong Microwave Machinery Co.,Ltd.
- To be the Leader of microwave drying and edible oil refining equipments Manufacturer
Home>Products>Nut&Seed Processing Machinery>Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine
Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine
- Shandong, China (Mainland)
- 1 Set/Sets Tomato Paste Making Machine
- US $900 - 3,000/ Set
- paypal,UnionPay, Visa/MasterCard, Amex, Discover,T/T
- 100 Set/Sets per Week Tomato Paste Making Machine
Product Details
|Place of Origin:
|Shandong, China (Mainland)
|Brand Name:
|Model Number:
|RDS-130 Tomato paste making machine
|Grain Processing Equipment
|After-sales Service Provided:
|Engineers available to service machinery overseas
|Most Popular Rice/Soybean/Peanut Sesame Butter Grinder Machine
|Customized Based on requirement
|Food Industry
|Raw Material:
|Nut, Seed, Fruit, Meat, etc
|Porcessing Finess:
Product Description
Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine from shandong microwave machinery co.,ltd.
Introduction of Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine
Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine is mainly used to roast peanut, sesame, soybean, melon seeds, Shandong Microwave Machinery Co.,Ltd. Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine can also be used to dry them
before putting into oil extractor machine for increasing oil extract rate.
Features of Nut&Seed Processing Machinery
1. Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine has electricity heating type and gas heating type.
2. Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine adopts unique horizontal roller structure, uniform heating, good sealing, efficient roasting.
3. Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine has much more convenient maintenance and repair, and the back cover can be
4. Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine is equipped with energy saving stove, adjustable fire size.
5. Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine has temperature controller, the temperature can be adjusted according to requirements.
Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making MachineProduct Description
Most Popular Rice/Soybean/Peanut Sesame Butter Grinder Machine is mainly used to grind various kinds of wet material into butter or paste shape, like peanut, soybean, almond, chilli, egg yolk, etc.
Itâs a popular widely used in many different areas, like Peanut Butter, Tahini, Soybean Milk, Chill Sauce, Hummus,etc. Machine adopt advanced technology which enable a reliable quality of performance.
Main Parameter of Tomato Paste Making Machine:
If need higher capacity, we could do customization according to requiremnt of each customer.
Packaging & Shipping
For all equipment, we'll make stable wooden case strictly observed exporting standard to enable security of transportation.
-Shipment by Air, Train,Sea, Express is all acceptable. If you have own forwarder agent, we'll contact with them to arrange shipment;
-In addition, we have establish a good cooperation with many reliable and powerful international logistical agent. If you are upset for a transportation, we are pleased to offer help.
Most Popular Rice/Soybean/Peanut Sesame Butter Grinder MachineOur Services
|Pre-sales Service
|After-sales Service
* Before sending the machine, we will test and adjust,
so you can use directly when you get it.
* Operation video & instruction will be sent to clients,
to help them use the machines better.
* Provide professional and good service.
* Provide high quality machine with best price.
* All products purchased in our company are guaranteed to keep in good repair for one year. If quality problems happen in guarantee period, our company will maintain for free.
* Additionally, our company provides technical support and fittings for life.
*After-sales service isn't restricted by time and we will solve your problems in time. If you are caught in some problems when using our products, welcome to contact us at any time.
Q1: What is warrant period for the Tomato Paste Making Machine?
A1: Usually the guarantee period is 1 year, and we will keep contact with our
customers for after-sales service. We're aim to produce better machines and let our customers be satisfied.
Q2: How can I get quotation?
A2: Just send email with requirement of product and youâll get prompt response from us.
Q3: If we have problems when using Tomato Paste Making Machine?
A3: If you have any problem, just contact us, we will help you to solve it, and if necessary, we will arrange our engineers to help you in your country.
Q4: What about the shipping methods?
A4: For urgent order and light weight, you can choose express: FedEx, TNT, DHL or EMS; for heavy weight, you can choose by air or by sea to save cost.
Q5: Whatâs your delivery time?
A5: It need about 7-15 days after the payment confirmed. It also depend son the machine itself.
Company Information
We are a company specialized in food processing machinery, such like nut processing machine, frying machine, butter making machine, etc.
Located in Henan Province, China, we have more than 6 years' experience of international trade and gradually becoming into a professional supplier in this field. We have established cooperation with clients from more than 72 areas in the world.Except high quality machinery and good price, excellent after-sales service is what we care most. Our well-trained engineers will offer you any technical support always. Any interest, pls contact with me directly. Videos, Catalog or relevant proposal will be promptly offered.
Sales Manager
Maggie zhou(Ms)
Email: maggie @LDmach.com
Tel/whatsapp: 86 18838056852
wechat: axiu4115
Shandong Microwave Machinery Co.,Ltd.is a Nut&Seed Processing Machinery factory specializing in the production of Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine, scientific research,manufacturing,installation, commissioning.Shandong Microwave Machinery Co.,Ltd.can provide Nut&Seed Processing Machinerycustomers with design and services of 1-2000 tons Colloid Mill Peanut Butter Grinding Machine / Tomato Paste Making Machine. Shandong Microwave Machinery Co.,Ltd. have finished hundreds of successful projects Nut&Seed Processing Machineryover the years: peanut oil, soybean oil, rapeseed oil, cottonseed oil, sunflower oil, sesame oil, animal oil,grape seed oil, acer truncatum oil, peony seed oil, walnut oil, hemp seed oil, pine oil, tea seed oil, papaya oil, milk thistle seed, and other special type Nut&Seed Processing Machineryoil. Shandong Microwave Machinery Co.,Ltd. have independent import and export department. Shandong Microwave Machinery Co.,Ltd. Nut&Seed Processing Machineryequipment has been successfully exported to more than ten countries: Russia, Australia, India, Afghanistan, Cameroon,and so on.
contact us:
Carrie-Sales manager
Shandong Microwave Machinery Co.,Ltd.
Web: www.epier.com
Email: firstname.lastname@example.com
Moblie:0086-15020017267(also WhatsApp)
Contact Us
- Shandong Microwave Machinery Co.,Ltd.
- AddressNo. 225, Huangqiao Village, Beiyuan, Tianqiao District, Jinan, Shandong, China
- Phone(Working Time)+86 0531 85064681
- Fax+ 86 0531 85064682
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In deep diving into the profits for DLH Holdings Corp. (NasdaqCM:DLHC) we can see that the trailing 12 months net profit growth stands at 55.43363.
The calculation for this number is as follows: 1yr Growth Net Profit = 1 year percentage growth in Net Profit After Tax. Net profit is also referred to as the bottom line. This is one of the most closely followed ratios in terms of company financials for investors. Net profit growth is one of the main drivers of a firm's share price.
Stock market investing can indeed tug on an individual's emotional strings. When the market becomes tumultuous, investors may be tempted to act impulsively, or they may freeze and not act at all. Being prepared for various scenarios may help the investor better deal with the market when the time comes. Staying disciplined with portfolio rebalancing and asset allocation may be a big help for the individual investor. Investors who constantly try to outguess the market and chase winners may eventually find themselves swimming upstream. Staying the course and keeping a logical perspective may assist the investor with making the tricky portfolio decisions when necessary.
When looking to find solid stocks with smooth upward momentum, investors can take a look at the 125/250 day adjusted slope indicator. At the time of writing DLH Holdings Corp. (NasdaqCM:DLHC) have a current value of 0.15942. The point of this calculation is to calculate a longer term average adjusted slope value that smooths out large stock price movements by using the average of the timeframe. This indicator is useful in helping find stocks that have been on an even upward trend over the past 6 months to a year.
DLH Holdings Corp. (NasdaqCM:DLHC) of the Support Services sector closed the recent session at 6.020000 with a market value of $72458.
DLH Holdings Corp. (NasdaqCM:DLHC) has a current suggested portfolio rate of 0.02120 (as a decimal) ownership. Target weight is the volatility adjusted recommended position size for a stock in your portfolio. The maximum target weight is 7% for any given stock. The indicator is based off of the 100 day volatility reading and calculates a target weight accordingly. The more recent volatility of a stock, the lower the target weight will be. The 3-month volatility stands at 61.640700 (decimal). This is the normal returns and standard deviation of the stock price over three months annualized.
Many individuals may have a tough time trying to figure out what actually drives financial markets. There are plenty of investing strategies and trading systems that individuals can use when trying to navigate the stock market. Sudden stock market moves can be mysterious, especially if the move goes against what professionals are expecting. When traders are just starting out, major market shifts can have the ability to wreak havoc if they are unprepared. Nobody wants to be on the losing end of a trade, but the reality is that it can happen at any time. Being prepared for the unknown isn't easy, but it may be a good way to help ease the burden when markets get choppy.
In looking at some Debt ratios, DLH Holdings Corp. (NasdaqCM:DLHC) has a debt to equity ratio of 0.16251 and a Free Cash Flow to Debt ratio of 1.851146. This ratio provides insight as to how high the firm's total debt is compared to its free cash flow generated. In terms of Net Debt to EBIT, that ratio stands at 0.23477. This ratio reveals how easily a company is able to pay interest and capital on its net outstanding debt. The lower the ratio the better as that indicates that the company is able to meet its interest and capital payments. Lastly we'll take note of the Net Debt to Market Value ratio. DLH Holdings Corp.'s ND to MV current stands at 0.033026. This ratio is calculated as follows: Net debt (Total debt minus Cash ) / Market value of the company.
In looking at some key ratios we note that the Piotroski F Score stands at 8 (1 to 10 scale) and the ERP5 rank holds steady at 694. The Q.I. Value of DLH Holdings Corp. (NasdaqCM:DLHC) currently reads 4.00000 on the Quant scale. The Free Cash Flow score of 1.421798 is also swinging some momentum at investors. The United States of America based firm is currently valued at 161.
Successful traders are typically skilled at building highly disciplined trading systems. These systems that they create may range from very simple to highly complex. Traders may need to fine tune the system to suit their specific needs and goals. Finding a little edge can lead to big rewards when dealing with the stock market. It is important to remember that a trading system that works for one person may not work for another. Novice traders may realize how hard it is to actually bring home healthy returns. Acquiring the necessary knowledge may take a long time, but putting in the effort and doing all the homework may help give the trader an advantage over the long run. Many successful stock market traders will be the first ones to admit that finding success is not going to happen overnight. Staying disciplined and being able to learn from mistakes can also go a long way when dealing with the ever-changing equity market landscape.
Some other notable ratios include the Accrual Ratio of -0.162936, the Altman Z score of 5.597522, a Montier C-Score of 0.00000 and a Value Composite rank of 13. DLH Holdings Corp. (NasdaqCM:DLHC) has Return on Invested Capital of 1.086674, with a 5-year average of 0.364874 and an ROIC quality score of 1.978211. Why is ROIC important? It's one of the most fundamental metrics in determining the value of a given stock. It helps potential investors determine if the firm is using it's invested capital to return profits.
The stock market can be influenced by many different factors such as news, politics, earnings reports, or even company rumors. Often times the market may not react as expected to certain events. This may cause the investor to become frustrated at times. Sometimes certain market moves may seem to go against prevailing logic. This is why it can be extremely hard to predict near-term moves with any certainty. Taking a big picture look at the financial markets may help offer a clearer picture of how all the different aspects contribute to market movements. Figuring out why a certain move happened may help shed some light when the same scenario arises again in the future.


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Today, October 19, marks the Feast of the North American Martyrs, officially the Feast of Saints Jean de Brébeuf, Isaac Jogues, priests and companions, Martyrs. Today is the feast, that is, unless you are a Traditional Roman Catholic or a Canadian, both of which groups celebrate the feast on September 26.
SOURCE: Anonymous, Holy Card of the North American Martyrs (http://tinyurl.com/3nnqa6k : accessed 19 October 2011).
The Feast of the North American Martyrs commemorates the lives of eight Jesuit missionaries who were martyred in what are now southern Ontario and upstate New York:
- 1642: St. René Goupil (New York)
- 1646: St. Isaac Jogues and St. Jean de Lalande (New York)
- 1648: St. Antoine Daniel (Ontario)
- 1649: St. Jean de Brébeuf, St. Noël Chabanel, St. Charles Garnier, and St. Gabriel Lalemant (Ontario).
All eight martyrs were canonized in 1930 by Pope Pius XI.
Ever since 1951, the Diocese of Albany, New York has joined with the local councils of the Boy Scouts of America to conduct an annual retreat to the National Shrine of North American Martyrs in Auriesville, New York. This beautiful site along the Mohawk River was once the site of the Mohawk village of Ossernenon where the Jesuit priest Father Isaac Jogues and lay Jesuits René Goupil and John Lalande were martyred.
SOURCE: Auriesville Retreat Patches (San Francisco, San Francisco County, California), photographed by Stephen J. Danko on 18 October 2011.
In 1642, Father Isaac Jogues and René Goupil were captured by Mohawks while running supplies along the Mohawk River. They were taken to Ossernenon where they were tortured and enslaved.
Rene Goupil was killed on September 29, 1642 because he had blessed a boy with the sign of the cross. He died praying the rosary and his body was buried by Father Jogues in a ravine which is located on the present property of the Shrine of North American Martyrs.
Father Jogues managed to escape to France with the help of Dutch settlers, but he later returned to Ossernenon with John Lalande as peace ambassadors. John Lalande was just a teenager at the time.
Father Jogues was killed by the Mohawks on October 18, 1646 when a box of his belongings was blamed for crop pestilence. John Lalande was killed the next day when he tried to collect the corpse of Father Jogues.
Ten years later, a female child named Tekawitha was born in Ossernenon. As a child, she contracted smallpox and was left badly scarred and with poor eyesight. Her parents and brother died in the smallpox epidemic. At the age of 20, Tekawitha was baptized and took the name Kateri, a Mohawk pronunciation of the name Catherine, after Saint Catherine of Siena. Kateri Tekawitha died when she was 24 years old. Witnesses reported that, after her death, her smallpox scars disappeared. On June 22, 1980, Kateri Tekawitha became the first Native American to be beatified.
In 1884, Father Joseph Loyzance, pastor of Saint Joseph's Church in Troy, New York purchased a piece of land at the former site of Ossernenon and established the Shrine of North American Martyrs in Auriesville. Additional land, including the ravine where Father Jogues buried the body of René Goupil, was purchased in 1895.
After the canonization of the North American Martyrs in 1930, a church capable of seating 6500 and standing room for 3500 was built and was called the Coliseum, after its resemblance to the Coliseum in Rome. The round church was completed in 1931 and includes 4 altars in the center.
SOURCE: User:LotR, Interior of the Coliseum at the National Shrine of the North American Martyrs (http://tinyurl.com/3oyh33s : accessed 19 October 2011).
Inside the Coliseum, there are 12 seating areas and 12 aisles, representing the 12 apostles. There are 72 doors representing the 72 disciples and 8 double doors representing the 8 North American Martyrs. The ceiling and roof have 3 tiers, representing the Holy Trinity. The altarpieces or reredos are constructed to resemble the palisades that surrounded the Mohawk village of Ossernenon. The columns in the Coliseum are marked with crosses and the name "Jesus" to remind worshippers that Father Isaac Jogues had carved the name of Jesus in the trunks of trees around Ossernenon.
In addition to the Coliseum, the site of the National Shrine of North American Martyrs includes a number of chapels, shrines, and museums. Stations of the Cross line the sides of the path down the ravine where René Goupil was buried and a Jesuit Cemetery is also located on the grounds. The entire site is a natural reliquary since the ground holds the blood and bones of the saints who were martyred there.
I attended at least 5 retreats at the Shrine of North American Martyrs with my Boy Scout troop, most of those with my father along as an adult troop leader. My father attended many more retreats there than I did because he became Scoutmaster of the troop after I left for college and, on one occasion, my entire family took a trip to the Shrine together. The National Shrine of North American Martyrs holds a special place in my memory, my religious upbringing, and my family history.


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Date(s) - May 4, 2019
7:30 am - 12:00 pm
Exhibition Park in Canberra (EPIC)
This Farmers Market is open from 7.30am – 12 pm.
The Market is a community project run by the Rotary Club of Hall, the only rural Rotary Club in the ACT.
The Club is pleased to do something positive to underpin the growing agri-business opportunities in the region, provide a direct and unbroken link between food producers and customers, offer a great seasonal food experience and support important regional community projects.


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Price: EUR 625,95 (
(as of 2012-11-06 23:14:18 PST)
You save EUR 158,14 (20%)
(as of 2012-11-06 23:14:18 PST)
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Sunday, February 26
1 – 4pm
Free with Museum admission
Spend the afternoon playing games, making art, and visiting the special exhibition Project Mah Jongg! Enjoy Chinese Checkers, card games, Scrabble and an introduction to the game of mah jongg. See Coiling Dragon Kung-Fu School perform the Lion Dance! Enjoy the encore screening of the documentary short Mah Jongg: The Tiles That Bind!
Complete Schedule
1:15 – Guided tour of Project Mah Jongg
2:00 – Lion Dance
3:00 – Mah-Jongg: The Tiles that Bind
3:30 – Guided tour of Project Mah Jongg


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We're interrupting the usual series of FOTM's world-famous Caption Contests with a very special one-of-a-kind Contest.
For the second time in just four years of the POS's occupancy of the White House, Time magazine, that dinosaur of the Old Media, has named Barack Hussein Obama the Person of the Year. Here's Time's rather grim cover-photo:
This is Time's 2012 tribute to the POS (get your barf bag ready):
"Through crises and gridlock, President Barack Obama kept the trust of the American people – and won a chance to rekindle the hope that inspired a nation."
Person of the Year?
Oh puleeze.
It's time for a contest to find a more appropriate moniker for the occupant in the White House!
I've been calling him the POS; Joan sarcastically calls him "the king"; Steve had flippantly called him "Skippy."
What's YOUR nickname for him?
Here are the rules for the contest:
- Everyone gets to play, even FOTM writers!
- A list of finalists will be derived from the entries that have received at least three "thumbs up" from readers.
- Then you choose the winner by voting for the finalist of your choice in a poll!
- Entries for the contest will be closed in a week, at the end of next Friday, December 28!
Let's play!!!!!
For the winner of our last (37th) Caption Contest, click here.
~Eowyn & Steve


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Wednesday, January 17, 2007
At Valentino
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48 comments
I love the simplicity of this dress but the shawl detail is very unique.
Im loving the hair!! beautiful!
Love everything about this look! Beautiful!
Are these Balenciaga boots?
love it
She looks absolutely stunning! The dress is so elegant. It looks like a large scarf that she successfully manipulated – twisted and turned – into that wonderful dress!
I'm totally loving this look. It's funky and cute at the same time. Great job Sart.
I love your video!
Perfection! I need a cute smocky black dress now. And a haircut.
Nice volumes. I see from your Milan photos that the pigeon-toed pose has started to vanish! Finally. One of the people who post here commented on my blog that a certain reporter made a comment about the pigeon-toe pose on her column in NY Post and attributed the origin to my comment on your post about the Le Figaro editor! I wish I could take credit but it was surely coming seeing all these grown up women standing like little girl blues in their most adult get ups! Bravo once more for your great pics Sart!
Recently, it seems like these wonderful hairstyles are really completing the outfits – and this is no exception. I'm also enjoying the really strong boots against the looseness of the dress.
tough. feminine. my favourite look.
those boots are ridiculous! i want them…
Adorable, head to toe!
All black still looks damn good! I love that dress. Is it a dress with a wrap incorporated? Love the rough edge, goes perfectly with the boots. She looks fabulous!
how chic
She's a beautiful girl, and that dress looks great on her, but I wish she had broken the goth black with a different pair of shoes and in a different colour. That would've done it.
Wow those boots. She looks like she's doing a glamourous take on goth/biker girl. I love the top.
one word – PERFECTION
Head to toe Marc. Fab but very easy…
This is a great example of modernizing classics. This woman has taken black and used many interesting shapes and details that keep it from being boring or age-y. I love that her dress reflects the current trends (sack dress) but does not make her look like a fashion victim. The dress has just enough shape that it keeps her from looking like a bag lady.
The wedged boots w/ buckles are also eye-catching. I've been looking for motorcycle boots that won't make me look like a hard-core biker chick if that makes any sense. These boots are perfectly "hard core" without making this women look like she's off to a rally and they look like they'd be quite versatile.
I really want those boots!
dear sart,
please tell men.style.com that they have to allow for your pictures to be enlarged by clicking (like you have done on your site). it's such an addiction once you get used to the detail…
thanks so much for the amazing work!
Soooo Good
What a difference form last season. Goth allure rules the dames of yesterday. So many dark warriors (bataglia for la Bataglia).
I think she needs a pattern or color pronto. Anyhow I prefer her former look. Not very much like her…where are the sexy legs and shoes?
Me encanta!
I love those boots!
The boots feel very heavy-ATWR
Okay, it's alllll black but this is for me, 100% — I would steal this look if I could. LOVE it.
Hey Scott,
When in Italy, can you find out if any of the Italian designers are outsourcing to China. I have heard that many are using this country to get a bulk of their RTW stuff to market.
I heard a nasty rumour that Armani has a tuxedo factory humming along nicely in Shanghai .
Is she, or isn't she Giovanna B.?
She looks well groomed, but the hair is too trendy, and an old trend at that
The boots!!! Awwww!!! http://www.style.com/fashionshows/collections/F2006RTW/detail/slideshow/LVUITTON?loop=0&event=show1425&designer=design_house59&iphoto=0&play=false&cnt=3
Whoa, her boots are bizarrely perfect.
oh I just adore those Louis Vuitton boots in black!
Is the dress Vuitton or Marc Jacobs too?
Love love love her! her face goes so well with the look. Who is she?
Wicked boots.
I am sorry, but I dont get the fraying at the hem — or lack there of.
Why did I bother to bring along a needle and thread to finish up my 4-H entry in the car on the trip to the county fair? I could have been setting trends WAY back! :-)
Thank Gawd easy clothes are back. That dress is funky to the max. The boots…tres tres chic. Snaps to her also for pulling off all-black without it feeling too safe.
Boots! The boots are amazing.
Those are of course the uber-cool Louis Vuitton boots that I would kill for. And she has nice hair, too. Thanks for this photo Sart, I am going to the hairdresser's at the weekend and was just looking for something that might inspire me and I've finally found it.
I love the black coat…
Hey can we see another picture of you and your outfit in Milan.
What divine designer made this fab dress? Could I get a cheap version somewhere, or am I dreaming?
wow those boots are astronaut-cool! i like!!
She's relaxed and ready to move, spiffy boots and all. The all black is fine with me, presented in such a carefree stance
I hope the bangs can blow in the wind – they're my only frowning point.
Oh those boots… and the little bag. I'm in love.
Giovanna looks thrilled to be posing for you. As well she should be, after all your divine shots from last season!
I also like how you captured her in the background of one of your Style.com photos giving you the peace sign. Props!
One question for hoi polloi, which is the trendy hair right now?? I need to know…
That's the first time I've seen those boots and had them make sense to me. Great look. Now if I could just get the whole thing in chocolate brown…
I love it. The boots, I shall dream about them tonight.
The frayed hem is so great.
A few of you aren't happy with the hair, but I love it. The bangs give it some kick. I'm tired of seeing long hair for the sake of long hair… I like that she's done something a bit different with it.
And, the outfit is just perfect.
She's an ex-model,italian model, and these boots are Louis Vuitton. The day before she was at Daks with a lovely skirt…she knows how to do
I love the contrast between the classy hair and dress and the biker boots…
i think this girl should be nominated for best look of the year! oooo by the way shes a fashion icon
I adore absolutely EVERYTHING about this girl's look. The soft, yet beautifully shaped dress, the kick @ss boots, and her hair! Her hair is stunning, and to me, it pulls her look completely together…the icing on the cake.


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It's been a while. Let's go!
Two months have passed since Dr. Braghardt returned from the Black Hole
and established contact with the DSM of the Krude Konstruktion Kingdom.
With their help he built a lab where he conducts research taking adavantage of the DSM's primordial knowledge of teknology.
Machines of war are build and the DSM get drilled for combat.
And with the blueprints he brought from the Black Hole they started building an Armored Core!
But all of Dr. Braghardt's actions are closely and secretly observed by scouts of the Briktopian Ghost Division.
The scout returns to Briktopian headquarters.
He reports everything they learned to Mirduk, the supreme ruler of Briktopia.
Mirduk summons Colonel Raszack.
"Colonel, the KKKK must never be allowed to finish building that AC! Apollyon and General Lukas are occupied
elsewhere so i give you command over this operation. Attack the Space Supply Station and retrieve the
AC blueprints for Briktopia. Use whatever means you deem necessary but i want those blueprints."
"Yes, Sir!"
top left
bottom left
top middle
bottom middle
top right
bottom right
Available factions:
Briktopians, objective: get the AC blueprints [Kalvinator]
Briktopian reinforcements, objective: see above [Scratch]
Dr. Braghardt and the KKKK, objective: fend off the Briktopian attack [Piltogg]
KKKK reinforcements, objective: see above [Theblackdog]
Civilians, objective: mischief [Silverdream]
Secret faction(s) become available when/if they get activated by players


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Christian Hedonism and the Challenge of Depression
It was another full week in the Ask Pastor John podcast series, and we covered a few of the more difficult questions of Christian Hedonism.
First, we asked Pastor John whether there are times in the Christian life when — for whatever reason — God chooses to withhold his presence from us, thus nullifying our hope of experiencing Godward affections. The Puritans seemed to operate from this assumption ("God desertions," they called it). And if this is the case — if God withdraws from the Christian at times, thus making joy in God impossible — doesn't the plea of Christian Hedonism (the call to be happy in God) just heap more guilt on such a person? Pastor John answered in episode 19.
In episode 20 we asked him how much of joy in God is willed by the Christian, and how much of it is just given as a gift from God? And how do we best understand this dynamic of willing joy and receiving joy?
Then in episode 21, we asked him a follow-up question of what Christian Hedonism offers a depressed Christian.
To round out the week, we asked him about priorities for youth-ministry leaders (episode 22), and about the theology and importance of Definite Atonement (aka Limited Atonement), a much debated point of Calvinism (episode 23). In this final podcast of the week, Pastor John said this:
Here is one of the practical implications [of Definite Atonement]: I want the Church to feel loved by Christ in the covenant way that he really loves his bride. He loved his bride and went after her and he purchased her and he brought her home to himself so that we don't just feel loved generically, like we are loved the same way people are loved who are in hell or going to hell. We are loved in a covenant way in which God is going to overcome all our rebellion. He is going to make us his own. He is going to beautify us for his Son, and he has fixed his heart on us, and we know that because he put the faith in our hearts to embrace it.
Current List of Episodes
In total, we've released 23 APJ podcasts, all listed here:
- What Is Definite Atonement, and Why Does It Matter? (Episode 23)
- Priorities for Youth Pastors (Episode 22)
- What Does Christian Hedonism Offer the Depressed? (Episode 21)
- Joy in God: To Be Waited for or Pursued? (Episode 20)
- Does God Ever Withdraw His Presence from His Children? (Episode 19)
- Fighting Porn Addiction with Grudem's Systematic Theology (Episode 18)
- We Are Makers — Lessons on Vocation from Dorothy Sayers (Episode 17)
- Interpreting the Miracles of Jesus (Episode 16)
- Why False Doctrine Can Make You Happy (Episode 15)
- Why John Piper Recycles (Episode 14)
- The Essential Warfare for Holiness (Episode 13)
- Exercising the Body (For the Sake of the Soul) (Episode 12)
- What Is the Difference Between Right Risk and Wrong Risk? (Episode 11)
- Safety Is A Myth (Episode 10)
- Arrests and Imprisonments In Opposing Abortion (Episode 9)
- Leadership Lessons from Martin Luther King (Episode 8)
- Takeaways from Passion 2013 (Episode 7)
- What's It Like Preaching to 60,000 People? (Episode 6)
- Why Adam Matters for Global Missions (Episode 5)
- Was Adam For Real, and Does It Matter? (Episode 4)
- How Important Is a Christian Writer's Influence? (Episode 3)
- Who Was George Herbert? (Episode 2)
- Reflections from John Piper on His 67th Birthday (Episode 1)
Tuning In
The Ask Pastor John daily podcast is a series of 3–8 minute conversations released on weekdays at 11am (EST) via the DG Facebook and Twitter feeds. We're currently hosting all the recordings on SoundCloud, a website that makes it easy to listen to several of the podcasts in one sitting. They're also beginning to be archived on the DG website.
Soon the podcast will be syndicated in iTunes.
We want to hear from you. To submit a question to Pastor John please include your first name, hometown, and your question in an email to AskPastorJohn AT desiringGod DOT org.
Thanks for listening to the podcasts, and thanks for already submitting a bunch of excellent questions over the past three weeks. We appreciate your engagement and interest.


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Studies show that the public wants to receive more advice from their pharmacist, and the trend in pharmacy practice is to provide more consultative services. Pharmacists have an opportunity to provide a leadership role in their communities to develop a safe and standardized approach to controlling head lice.


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Philharmonic Concert
Thursday, March 15, 2018 - 6:00pm - 8:00pm
Location:Meyer Hall
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Tickets to school performances can be purchased online through seat yourself or one hour prior to show at the box office. Please call the box office at 561-802-6052 for group, check or cash sales.
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Bizarre Cat With Five Ears Found in Russia
Cats already have remarkable hearing skills, but a gray feline in Russia found with five ears takes the cake for impressive hearing ability.
According to Vladimir Obryvkov of the Voronezh State University of Agriculture, the cat — named Luntya — has two normal ears, two extra ears located just in front of those and then an additional tiny fifth ear.
Luntya's behavior doesn't vary from your typical house cat, but she does have slightly larger paws compared to others.
Obryvkov has studied animals with anomalies and already owns a cat with four ears. He plans to mate Luntya and the four-eared cat to create a new breed. He's also worked with a two-headed calf, a one-eyed lamb, a chicken with four legs and a colt with two noses and three eyes.
No word on how whether Luntya actually has nine lives.


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When I let go of a negative belief and start believing something the more positive things, the negative things tend to have small amounts of "evidence" or signs manifesting.
Is this because I've sort of let go of "resistance" to the negative beliefs (even though I still don't want them, I stopped believing in them) by focusing on something else?
And afterward the positive signs start manifesting, which is awesome.
Views: 1608
Hey EJ,
Seems like the PI Monster got it!! I can't find it anywhere! How bizzare.. The answer really flowed then.. I'll try to paraphrase what what I remember...
Everything you experience is the result of OLD VIBRATION. We are constantly playing physical catch-up; while your point of focus NOW is playing an important part in what you are choosing to give emphasis to in your observations or choices NOW, it is the consistent, chronic investment in that vibration that yields what you experience NEXT, i.e. your manifestations.
This bill is the result of choices your wife and yourself made, based on what was vibrationally active for you at the time and what you considered important. Yes, the ramifications now MATTER, but in terms of the whole picture, despite what either of you might be feeling about it, it is no big deal.
What flowed in what I wrote yesterday pointed out that regardless of what happened before the bill arrived or how you say you are reacting to it or feeling about it, or what your vibration was before you got back from Asia, you are giving it focus NOW in a specific way; a way that will pave how you continue to experience it and what you will manifest NEXT. You are giving it labels like "hell breaking loose" and things falling apart, can't remember the exact phrases you've been using, but all these points of emphasis are setting you up for your next experience.
Ideally, you want to selfishly (yes!) leave your wife out of it completely, allowing her to line up with her asking or not, while you continue to invest in the vibrational stand point that serves you and your sense of alignment best; because, after all, it is from your place of alignment that you could inspire her to hers, though of course, the final decision will always be up to her.
Now back to the point made earlier (oh it's flowing now!). The emotional experience being precipitated individually for the both of you by the event of receiving this bill is symptomatic of what you have had going individually for a little while and, at its core, could directly have nothing to do with the bill itself. For you, this might continue to highlight how you feel about the vibrational differences between your wife's perspective and yours and how that affects the way you see her and want to interact with her in the future; for her, it could be something completely different or along similar lines with a slightly different emphasis.
Suffice it to say that everything you experience will be used as an excuse to focus on what you predominantly have going on vibrationally, that is, your chosen point of focus; after all, a bill is just a bill. It does not know you or care about the context of your circumstances, but it does turn up in a way and at a time that is vibrationally consistent with how you are feeling - either about money, or about other vibrationally relatable issues.
So, is the ultimate manifestation in this scenario the bill or the feelings precipitated by that experience about your relationship or something else? Interesting huh...?
That is for you to decide. Getting clear about what is really bothering you allows you to start addressing it at root, vibrational/emotional level.
As you continue to soothe yourself and experience relief on this, then you'll be in an ideal position to inspire the relationship you really want and the kind of financial future you both desire.
I decide to be selfish! hahaha! I care about my manifestation, therefore i do put attention alone to my vibration. Honestly, i feel nothing to how my wife reacted. Though, i did steps to comfort her but did not sympathize and went down to her emotional status. And from that point on, though i feel deep pain with the situation, i also feel GREAT RELEASE and RELIEF! And miraculously, she is following my lead.
I remember a teacher taught me... "there are two ways to learn, first is by repetition, and second by shock therapy"! I love preparation... i love repetition. My wife on the other hand falls into the category of shock therapy learners. And if i understand you right, it doesn't matter what kind of learners we are, but the discrepancy of our vibration attracted these kind of manifestation.
My decision is to not define anybody or this circumstance to be good or bad, but i take it into heart that everything is getting better and better, and today is far better than yesterday!
Thanks Shembu, you are amazing! =)
I enjoyed reading this and also needed it immensely. It is a matter of perspective and in all things that which we truly desire to manifest we must resonate that with our thoughts and feelings. Thank you
Someone sent this to me yesterday. I'm not religious in the traditional sense of the word, but I still enjoyed how it drove home the fact that what we think we see or perceive is not necessarily all there is.
Me: God, can I ask You a question?
God: Sure
Me: Promise You won't get mad ...
God: I promise...
... ... ... ...
Me: Why did You let so much stuff happen to me today?
God: What do u mean?
Me: Well, I woke up late
God: Yes
Me: My car took forever to start
God: Okay
Me: at lunch they made my sandwich wrong & I had to wait
God: Huummm
Me: On the way home, my phone went DEAD, just as I picked up a call
God: All right
Me: And on top of it all off, when I got home ~I just wanted to watch my new tv & relax. BUT it wouldn't work!!! Nothing went right today! Why did You do that?
God: Let me see, the death angel was at your bed this morning & I had to send one of My Angels to battle him for your life. I let you sleep through that
Me (humbled): OH
GOD: I didn't let your car start because there was a drunk driver on your route that would have hit you if you were on the road.
Me: (ashamed)
God: The first person who made your sandwich today was sick & I didn't want you to catch what they have, I knew you couldn't afford to miss work.
Me (embarrassed):Okay
God: Your phone went dead bcuz the person that was calling was going to give false witness about what you said on that call, I didn't even let you talk to them so you would be covered.
Me (softly): I see...
God: Oh and that tv, it had a shortage that was going to throw out all of the power in your house tonight. I didn't think you wanted to be in the dark.
Me: I'm Sorry..
God: Don't be sorry, just learn to Trust Me.... in All things , the Good & the bad.
Me: I will trust You.
God: And don't doubt that My plan for your day is Always Better than your plan.
Me: I won't God. And let me just tell you God, Thank You for Everything today.
God: You're welcome.. It was just another day.....
Regardless of what one believes in, there is some value in the message.
Wow!! hahaha. I got it Shembu, lovely!
Lol.. I like the story... :-))))
I thought you were preparing your reply for my questions ;-)
I did! Did you miss it?
Yes i missed it! But when you are talking about the thread about DEATH then you replied already :D Its more about this thread... about "can a two vibrations be the cause of a plunge?"...
Abraham often uses the analogy of a train going 100 miles per hour.
It takes a bit of work to get that train to first stop, and then go in a different direction.
So negative events keep happening.
You may be noticing negative things more because now REALLY KNOW you want something different.
Also, none of us is ever absolutely free of negative events in our lives. It's just a matter of perspective - how you look at the things that happen.
In my life, every single time.
In fact, this is how I know that things are beginning to change for the better.
Little "catastrophes" begin to occur.
YOU are just really GOOD at this and have gotten used to things being certain ways - ALL LEARNED BEHAVIOR.
So it does seem hard and frustrating at first because you are NOW ridding yourself of all the CRAP you've been holding onto for YEARS!
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Wednesday, February 8, 2012
* Tate's Bake Shop Valentine's Day Cookie Giveaway!
We're a family that says, "I love you" daily.
We also say," I love you" with cookies. : )
Specifically, chocolate chip cookies so of course I said, "Yes!"
when my friends at Tate's Bake Shop in Southampton, New York contacted me
to run a Valentine's day promotion and giveaway for you, my awesome readers!
We're teaming up to give one of my readers a
Tate's Bake Shop Valentine's Day Cube (cookie) Tower.
The tower includes three, 3 oz. packages of
Tate's Bake Shop's crispy chocolate chip cookies
(named best cookie in America by Rachel Ray and my children.)
Each cube contains approx. 7 cookies.
We devoured our first cube in under 2 minutes,
not sure if I should brag about it or deny that one.
Best known for their chocolate chip cookies, Tate's offers a full selection of simple,
mouthwatering treats including cookies, bars, cakes, and pies (yum-o!)
Owned and operated by Kathleen King, who began selling cookies at her family's farm stand when she was just 11-years old, Tate's Bake Shop now includes a thriving wholesale operation and a highly successful e-commerce site, www.tatesbakeshop.com
Okay, are you drooling yet?
You know you want one of these for Valentine's Day this year.
Leave a comment on this post here on the blog,
see that little tiny "comment" under neath my signature - click on it.
If you read this on your phone or by feedburner
you'll have to go to my blog to leave a comment to be entered.
Make sure we have your email address so we can reach you!
Comments are now closed.
Pink and Green Mama
PS One more treat for you, my awesome Pink and Green Mama readers....
a $10 off coupon code (VDay2012) to use on an online Tate's order!
Posted by pink and green mama MaryLea
Labels: Giveaway, Product Review, Sponsors, Valentine's Day
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