text:
View the article online at http://citywire.co.uk/money/article/a612638
First-time buyers starved of mortgages
Despite the government's £80 billion Funding for Lending scheme, the number of low-deposit mortgages on offer is falling, says Lorna Bourke.
Whatever happened to social responsibility?
The mortgage lenders are lapping up the cheap funds made available to them under the £80 billion Funding for Lending scheme that was launched on 1 August.
Bank of England statistics on take-up by lenders will not be available until 3 December, but so far there is precious little evidence that this cheap money is reaching first-time buyers and other would-be homebuyers with small deposits – the borrowers who underpin the market.
Low-deposit lending in decline
'The number of 90% and 95% mortgages has actually fallen over the past six months,' confirms Clare Francis, mortgage expert at Moneysupermarket.com. 'This is not what we expected.' The figures are pretty damning. Moneysupermarket's research shows that six months ago there were 49 loans available at 95% loan to value (LTV).
Today the number is just 27, and 90% loans have fallen from 318 to 244.
And the building societies, which traditionally trade on their commitment to support first-time buyers, have been pulling out of the high LTV market. Six months ago Ipswich, Nottingham, Skipton and Cambridge building societies were all in the 95% market – but have since pulled out.
No silver bullet
'I don't think Funding for Lending will be a silver bullet, although we have seen rates coming down at the lower risk end of the market,' confirms Peter Gettins, product manager at fee-free mortgage broker London & Country.
'There have been a couple of new products aimed at first-time buyers. Newcastle Building Society has just launched a five-year fix at 5.99% for loans up to 95% with a fee of £690 and Melton Mowbray Building Society has a three-year fix up to 95% LTV at 5.49% with a fee of £998 available for first-time buyers only.
'But the whole EU situation still overhangs the market – house prices are falling and lenders must hold more capital against the risker high LTV loans.' Gettins believes that what Funding for Lending might do is allow the lenders to carry on lending if the euro collapses and disaster strikes.
July figures from the Council of Mortgage Lenders showed a modest improvement in mortgage lending, but this was from a relatively low June level, and life is no easier for those with a small deposit – in spite of the billions of cheap money made available to lenders.
First-time buyers left out in the cold
David Newnes, director of LSL Property Services, owners of estate agents Your Move and Reeds Rains, said 'it's not an easy time for first-time buyers, who still face significant barriers when it comes to securing mortgage finance.
'Hefty deposit requirements remain too big an ask for the vast majority of potential buyers.'
He points out that pressure is mounting on the Funding for Lending scheme to boost activity at the lower end of the market. 'But there is no guarantee that lending will be diverted to those without substantial equity. Lending needs to focus on helping meet the needs of those lower down in the housing market if serious change is to emerge.'
30 comments so far. Why not have your say?
Aug 21, 2012 at 13:03
"Moneysupermarket's research shows that six months ago there were 49 loans available at 95% loan to value (LTV).
Today the number is just 27, and 90% loans have fallen from 318 to 244"
Over what period have the 90% loans fallen from 318 to 214? doesn't quite make sense when you are saying there are only 27 loans available overallreport this
Aug 21, 2012 at 13:07
No one wants cheap debt from the Government, funded by higher taxes or inflation, what is wanted is less government and lower taxes, which will lead to more jobs.....report this
Aug 21, 2012 at 13:44
> Over what period have the 90% loans fallen from 318 to 214? doesn't quite
> make sense when you are saying there are only 27 loans available overall
27 is the current number of 95%LTV available.
244 is the current number of 90%LTV available.
I don't know where you've got 214 from.report this
Aug 21, 2012 at 13:45
The problem is simple to solve.
House prices have trebled over 10 years, wages gone up by max 50% over ten years. Inflation has gone up 100% over ten years though the bids would like us to thibk overwise. So salaries to 40% or so out if sync with inflation so need to rise over the next 10 years above inflation to catch up and house prices need to stay flat for longer or fall by further 30% bring salaries back inline with house prices and the cost of living. Right now it's a mess and with the government meddling with salaries by fiddling inflation but also subsidising wage growth with working tax credits it's simply made the problem worse.report this
Aug 21, 2012 at 13:47
Why doesn't everybody stop whinging and harping back to 2006/2007.
We have to work in the world as it is and not how we would like it to be. if first time buyers have to get a minimum of say a 15% deposit to get a half decent deal then everyone should be reinforcing this to them at every opportunity. This will entail some of them not going on holiday, possibly moving back in with parents and even not going out 5 nights a week.
I think its called prioritiesreport this
Aug 21, 2012 at 13:47
We ought to get back to the good old days of 80% as the standard advance, with two years' min. saving towards the deposit to show responsibility, no allowance for a 'partner's' income in fixing the multiple, and strictly straight repayment terms only-- 20-25 years for most borrowers.
If that means more FTBs are going to have to wait and rent longer, tough. They can make the sacrifice-- their grandfathers were asked to risk life and limb for their country.
The debt-sodden lunacy of the British economy has to be purged somehow.report this
Aug 21, 2012 at 14:21
The problem is more fundamental that shortage of mortgages. It's the number of people in the country and the number of houses in the country. There isn't a mass of un-lived in properties so making mortgages more available to a certain section of the community will only change level of ownership in that community at the loss to another section of the community. Or just a rise in house prices. It won't mean there are more homes for people to live in.report this
Aug 21, 2012 at 14:35
Jonathan----I know cwhere you are coming from but the basic fact is that there are hundreds of thousands of empty properties in the country in various stages of disrepair. The problem is that the houses aren't where the jobs are---I think spreading the remaining government controlled jobs out to the ares where there id available housing stock would solve an awful lot of supply and demand issuesreport this
Aug 21, 2012 at 14:36
Sorry for my last illiterate post---I made the mistake of thinking that I could touch-type----oopsreport this
Aug 21, 2012 at 14:42
To sound a rather different note: Are not we, that is the general public, house buyers, home movers, agents, builders, Uncle Tom Cobbley and All by now thoroughly fed up with the Banks and conventional financial institutions?
The Bankers just sit on the money we the taxpayers give them - on the insistence that they lend to get business, the housing market and the economy moving - just a little, only to find they stuff it under their own proverbial mattress.
The construction industry, in particular, as well as buyers and vendors are fed up with the banks, now that they have been on Lending Strike for three years.
We have to Kick out the Jams.
Why not, for instance, consider mechanisms to facilitate Seller Financing?
There must be a modest proportion of vendors of all kinds who could consider this, especially if off-the-shelf legal packs and insurance/ guarantee mechanisms were devised and offered with back-up to participants.
Go on; give it a whirl, George!report this
Aug 21, 2012 at 15:39
Greater availability of high LTV mortgages will not help FTBs. It might help those who benefit from maintaining the house price bubble - HM Government, the UK banking sector, middle aged retirees who assumed that a highly illiquid asset was a sensible alternative to a pension - but heaping a load more debt onto the next generation won't help them.
What would help them is allowing the market to do it's work. House prices need to return to a level that relates sensibly to average incomes. FTB's cash deposits become larger (on a LTV basis) and so their borrowing becomes cheaper.
Government tinkering such as the criminal FirstBuy scheme only help the major housebuilders shift land for which they overpaid onto the taxpayer's book. FTB's should avoid them at all costs.report this
Aug 21, 2012 at 15:43
John Lacy
If you do a bit of research you'll see that there is a shortage of housing in the UK. You can only fix that by building new houses or reducing the population.report this
Aug 21, 2012 at 16:27
Jonathan---I have done my research and the most recent figures that I can find is that there were 720,000 empty houses in the UK as at the end of 2011.
Parliamentary figures for mid 2010 produced a figure of 784,000 empty homes. I'm not saying that these homes would cure the problem as they do not exist where there are abundant jobs. To a great extent the housing shortage is promoted by people who want to build on nice greenfield sites and don't want to look at bringing existing housing up to a habitable condition. The other factor of course is that the population of the over-crowded south east don't want to look at any other parts of the country because they can't over-charge for their labour costs elsewhere.
just think hoew much money in London allowances could be saved if you were to move government departments out of the south east. That would also drag ancilliary jobs after themreport this
Aug 21, 2012 at 16:48
John Lacy
The trouble with that theory is that it has been tried and failed. Great rafts of Wales and the North East have the Government as the dominant employer already BUT because of the National Agreements negotiated by Civil Service unions, the Government is also the best paying local employer in those areas which disadvantages other potential local employers who want to pay a more realistic wage. No private employer can afford to match Government perks or pensions.
The London allowance you refer to seems to have become an extra extra plus of course the annual BONUS element ( for turning up ? ) plus extra holiday , flexible working and subsidised most things ... so the chances of persuading
London Civil Servants to swap all that for a bit of country air seems unlikelyreport this
Aug 21, 2012 at 17:14
House prices doubled over the past ten years
its normal to double of that period but we can not look back at what was normal in the past
Prices need to fall futher and I think they will we are nowhere near the end of the houseing market problems
I think it will take a futher 5years to return the mortgage market back to heathy
and i for one hope we dont go back to lending over 90% LTV if you cant save 10% you should not be buying a home I would change Morgage lending here is my thoughts
No More than 4 Times salary
Compusary Mortgage protection Ie Payment Protection and Lifecover combined
No more Veriable Mortgages everything fixed for the term of the Mortgage ie 25 years
10% min deposit
Capital and repayment
hopefully the above will stop Repos
The world has changed freinds we need to relise this and move on
and we need to get used to the fact that not all will be able to afford to buy a home of there own
My genaration have been lucky but the next genarations it will be a differant worldreport this
Aug 21, 2012 at 17:30
Druceym---I agree with your analysis---from past history not a great success but at least it puts money and jobs in to those outlying areas that weren't there before.
I would dearly love our civil service friends to refuse tio move out of London---just think---when they don't follow the job they have to go and live in the real economy. Long hours, lower pay, no perks and no cushy pension to accrue further benefits---thats where the real benefit would be. They'd have to become creators of wealth instead of consumers---a whiff of unemployment for London and its surrounding areas might be beneficial in the long run as it would make them appreciate what the rest of the UK have had to live with for years and might just improve their understanding of the wider population.report this
Aug 21, 2012 at 17:34
No-one's mentioned the pernicious effects on FTBs of the boom in Buy-to-Lets. This is a problem which has urgently to be addressed, whether by increased taxation to lower returns, rent controls, outright prohibition or some other means.
Dislexic, I always enjoy your posts but regret that you and your ilk are a big part of the problem.report this
Aug 21, 2012 at 18:19
I agree that BTLs are a major part of the FTB problem. Interest should not be offset against rent for tax purposes.report this
Aug 21, 2012 at 18:24
FAO Kenpen 2
You make a very intresing point Ken But I only make a liveing the best way I can
There are lots of wrongs in this life I dont like guns but lots of folks have them and they kill
we live in a very inperfect world and if ending BTL I for one would do someting else with my life and bussiness activitys
BTL will stay and do you now why its the only way we can house a lot of the population
In a very strange way BTL is like a lot of other areas in life in 2012
Privitisation British GAS, ELECTRIC ,BRITISH STEEL, BRITISH RAIL ,the list goes on and on BTL is no differant from investers in the privatisation of the UK
The country is broke we can not change a thing Mrs Thatcher started the who thig off selling Council Houses
If we stop BTL lets go back to the GPO ect ect
Before anyone points the finger at me ask DID YOU BENIFIT from privitiastion did you take a win fall from the demutaliastion of Building Sociertys
Its not Just BTL its the who area of bussiness we nowlive in which I think started long before BTL
Landlords have been with us sincethe start of time The Queen DUKE OF Westminster the list goes on
Its a strange country we live in when we blame working class landlords for all the problems
Look around you its a changed worldreport this
Aug 21, 2012 at 18:27
The one thing that made renting so popular was the 6 month short hold tenancy agreement. Before that if you had a tenant it was almost impossible to get rid of them or increase rent. Now you just need a maximum of 6 months notice. If they want to make renting less popular they just need to revert to the old law.report this
Aug 21, 2012 at 19:00
FAO Jonathan
I think we should all go back to the days when the govt owns everything
British Layland the Good old GPO ect ect
Just give this a thought Mortgage Express ( Bradford And Bingly ) Northen Rok they were lending to Landlords at a horrific rate and look whats happened to them
Do you really think that if they had not been demutalised that would be the caseand I would not think that member of building sociertys gave a dam as long as they got there £250
We need a rethink about it all not just assured shorthold tenanceys
I hope owners of Privitised stocks and shares give a thought to Old Age pensioners dieing in the winter because they cant aford to heat there houses
I dont think investers really care as long as there getting there dividends
There is a great deal wrong with the houseing world and the investment world so dont just blame BTL thats far to simple to put the world rightreport this
Aug 21, 2012 at 19:13
Dislexic Landlord
Yes, I used to love getting a slice of tea on a British Rail trainreport this
Aug 21, 2012 at 22:29
Interesting no-one here holds with the idea that encouraging FTB's gets the housing market moving. People moving house then spend on furniture, white goods etc. Just the boost that everyone says the economy needs.
With a house to sell and no buyers, I declare self interest in such a policy.report this
Aug 22, 2012 at 10:35
House prices are 40% or much more, too expensive compared with the average ability to buy on sensible multiples of Income - unless they somehow fall this inability to buy will persist. This is the `fault of all Parties because noone spoke out when Interewst only borrowing was taking place - it obviously drove prices upwards to a point where they are today. However, there is a` point which is completely overlooked: Estate Duty easement to trhe present combined 650,000 limit means most families in todays low interest return era are renting their houses out and adding to the shoretage of houses to buy plus Banlks would be well and truly bust if they too the knock rthey shouyld on loans to Builders and Buzers.
I am verz liquid at present and was going to buz a Houzse and rent out mz Flat but in London there is another problem for Flat and House owners + lack of qualitz of life because neiubours are renting and come and go resulting in lack of normal communitz life. What a mess + the Governme3nt obviouslz must be looking for inflation over several zears to sort things out + bit it wont happen. If zou want to sell a Flat in London at present it is onlz the Buz to Rent brigade who are in the Market.
Commentators would do more good repeating and repeating that Prices ąre still vastlz too high.report this
Aug 22, 2012 at 12:31
G Robinson
Encouraging FTBs into the housing market wont stimulate the economy if it simply means conning them into unsustainable levels of debt via a Brownesque taxpayer guaranteed scheme such as FirstBuy.
Let the market do it's work. Let banks which make risky mortgages available go bust if their borrowers fail to pay them and remove taxpayer subsidies for those who borrow too much and expect state help.
And you'd probably find there are buyers for your house if you drop the price.
Good luck.....report this
Aug 22, 2012 at 17:31
FAO John Lacy:
We're on the same page. And WHEN will some well-resourced institution commission an accurate TRUTHFUL analysis of PRIVATE v's PUBLIC sector
benefits. Not the worthy nurses and exploited footsoldiers in fire, police etc but the mid/senior management and mandarins whose current pension packages ( which are largely unfunded and come out of annual UK income ) will bankrupt the country in the next 10 years. Somehow we have to demonstrate to this underworked, overpaid morass of mediocrity that we have had enough ... sorry ... the red mist is rising ...report this
Aug 26, 2012 at 09:01
As a landlord - and former tenant for 24 years - I have great sympathy for anyone with housing problems.
I grew up in a slum, far worse than anything people live in today: no heating, no bathroom, no kitchen, toilet across the yard and one amenity- a cold tap over a cracked sink.
Grandma, who raised me, cooked in a foul little hole called a scullery, on a clapped out gas cooker.
We disliked the landlord who was called a "bodger." Holes in the floor were fixed by beating out biscuit tins and nailing them down over the hole.
Later on, when I started to learn economics, I realised that the cause of our misfortune was Socialism. Rent controls were bad for landlords and terrible for tenants. Litle money came in and not much was spent. Result: all round misery. When you try and do good by controlling things it always backfires. Please re-read that, all Socialist do-gooders.
Eventually I became a journalist, then a chief reporter running a busy newsdesk, then an editor, then a publisher. I freelanced for all the dailies, radio and TV and covered thousands of stories. The number one problem in housing came from - council estates!
Social housing does not work. Furthermore, it removes all initiative and incentive from people to improve their property. I could list thousands of complaints from council tenants in many areas and counties. Work was seldom done properly or on time. Complaints were endless, problems too numerous to list. Over many of the former council estates hung an air of despair.
This changed when Margaret Thatcher unleashed enterprise and initiative and gave those trapped in councildom the keys to the cell door. A brilliant and hugely successful idea. Go through former estates now and see all the improvements, the different colour schemes, the additions. People became kings of their castles and loved it.
Any time you have huge organisations running housing you get poor admin and worse housing- I could tell story after story of really bad overspill housing. This cost hundreds of millions of taxpayer money to put right and the places are still not pleasant to live in.
Giving private landlords some freedom to invest their hard-earned money in property provided a great pool of decent modern housing for those who could not immediately- or chose not to - buy a home. The idea that landlords make a fortune is another joke.
If you maintain properties to a high standard, redecorate every couple of years, provide new appliances, pay fees of all kinds for everything from gas inspections to ground rents, you will make around three per cent net. I speak with 40 plus years of experience in property, going back before shorthold tenancies, when we had to provide bed and breakfast for tenants!report this
Aug 26, 2012 at 09:28
FAO Alan Franklin
I do agree with every thing you have said
Councils run houseing badly just look at the amount of houseing stock that has been demolished
in Newcasle high rise flats are being demolished I think there are 90 flats in each block and five are being demolished as I write this
WE have estates that are slum estates if you care to drive through the slum estates at about 08..30 in the morning in the winter there is not a light on in some streets NO BODY IS GOING TO WORK
I totaly agree with your comments about repairs I have a scedule of works going on at this time
Its a great way to show good tenants that you care about them and it builds on good customer relations too
just one other thought have any readers ever thought about the amount of money that subsides council and Houseing Assocation Tenants get every month
it must amount to millions
ask yourself the question readers do you get a tax brack for liveing in the house you own or rent
I bet you dont remmember MIRAS long gone now and that was the only tax breack the avarage hard working tax payer ever gotreport this
Aug 26, 2012 at 09:30
All this is good news for landlord: Whereas the ganks on government advice, will tell you the you can afford £500 in mortgage repayments, they won't accept that you are paying £800 in rent, and cna by definitiona afford £800. - Net result, first time buyers frozen out, rents go upreport this
Aug 26, 2012 at 09:41
Labour twisted all policies to buy votes. House prices boosted 200% in 10 years. All agree the UK needs 1m more homes, (150,000 built each year, some 100,00 too few), due to the open door policy 3.5m more people need homes, at 3.5 per house that is the extra demand.report this
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text:
Bulldogs Play Utah for Invite Title Tonight at 7
NEW HAVEN, Conn. – McHaney Carter tallied a match-high 10 kills and hit .444 for the match to lead the Bulldogs to a 3-0 (25-15, 25-19, 25-18) sweep of Colgate on the second day of the Yale Invitational. The Bulldogs will play for first place overall later today against Utah at 7 p.m. in the final match of the invite.
In match two of the day, Boston College earned its first win of the season in a 3-1 win over Utah. B.C. will play Colgate at 5 p.m.
Utah defeated Colgate in the first match last night, while Yale topped B.C. in the nightcap. Currently, the Bulldogs are the only undefeated team left in the invite and can capture the championship later tonight with a win.
In the win over Colgate, Yale (2-0) scored eight of the match's first 10 points and seized control early. Erica Reetz, who recorded seven kills and hit .429, capped the 8-2 run with a setup from setter Kendall Polan.
The Raiders fell behind 4-1 to start the second set, but settled down soon after. Colgate came back to tie the score several times later in the set.
Diane Seely, the Raiders' middle blocker, tied the second set at 12 before the Bulldogs grabbed four of the next five points. Allie Frappier (six kills, four digs) and Polan capped the spurt with back-to-back kills to give Yale a 16-13 edge.
Colgate came within 21-18 after a service error. Yale recovered to score the next three points – a run that started with a Haley Wessels kill.
Despite the 2-0 lead, Colgate grabbed the momentum in the final set. Lindsay Young blasted a kill to give the Raiders a 13-10 lead.
However, Yale had one more run to make. The Bulldogs scored eight of the next nine points to grab a 18-14 lead.
Mollie Rogers provided the Bulldogs with two aces and Reetz added a kill to give the Bulldogs a game-changing lift. Colgate never recovered.
In a fitting end to the match, Polan set up Carter for the final point.
Report Filed by Ernie Bertothy, Yale Sports Publicity

subset: commoncrawl


text:
ConAgra Foods, Inc. (NYSE: CAG) and Ralcorp Holdings, Inc. (NYSE: RAH) today announced that the boards of directors of both companies have unanimously approved a definitive agreement under which ConAgra Foods will acquire Ralcorp, the largest manufacturer of private label food in the U.S. Under the terms of the agreement, Ralcorp shareholders will receive $90.00 per share in cash for each outstanding share of common stock held, representing a 28.2% premium to the closing price of Ralcorp's common stock on November 26, 2012, and a 24.9% premium to the average closing price of Ralcorp's common stock for the 30 trading days ending November 26, 2012. The transaction is valued at approximately $6.8 billion, including the assumption of debt. This transaction creates one of the largest packaged food companies in North America, with sales of approximately $18 billion annually and more than 36,000 employees. It will also position ConAgra Foods as the largest private label packaged food business in North America, with combined private label sales of approximately $4.5 billion. Gary Rodkin, chief executive officer of ConAgra Foods said, "We are very pleased to have reached an agreement with Ralcorp after a period of collaborative dialogue between the two companies. Ralcorp is already the largest private label food company in the U.S. and is well positioned for future growth. The acquisition of Ralcorp is a logical and exciting step for ConAgra Foods. Adding Ralcorp provides us with a much larger presence in the attractive and growing private label segment and accelerates our Recipe for Growth strategy. The transaction will allow us to apply our scale and combined operational expertise to this important growth area, and will strengthen our position as one of the leading food companies in North America. We believe the balanced combination of our very significant branded food business, the largest private label food business in North America, and our important commercial food businesses, will enable ConAgra Foods to deliver even greater value and innovation to our customers and consumers, and sustainable profitable growth to our shareholders. We look forward to working with Ralcorp's experienced and talented team to capitalize on opportunities and create value for shareholders, and to welcoming Ralcorp's employees to the ConAgra Foods family."
Kevin J. Hunt, chief executive officer and president of Ralcorp, said, "We are proud of Ralcorp's track record of shareholder value creation and view this transaction as the culmination of those efforts. This combination delivers immediate and compelling cash value to our shareholders and benefits to our customers and employees. We believe the two companies are a great fit, and our employees will benefit as part of a larger diversified organization with the necessary scale and resources to be a leader in today's rapidly evolving marketplace. On behalf of the Ralcorp Board and management team, we thank our dedicated employees for their continued hard work, which has enabled us to grow Ralcorp to a position of strength with our many private label offerings across both retail and commercial channels. We look forward to joining with ConAgra Foods to complete this exciting transaction and capitalize on our future growth opportunities."Strong Strategic Rationale The acquisition of Ralcorp adds to ConAgra Foods' existing private label business of approximately $950 million to create the largest private label packaged food business in North America, with approximately $4.5 billion in combined annual private label sales. Ralcorp fits well with ConAgra Foods' Recipe for Growth strategy, set 18 months ago, which includes expansion in the private label segment, growth in its core business and adjacencies, and expansion internationally. According to industry analysts, private label now represents 18% of sales in the packaged food market in the U.S. and has consistently demonstrated growth in excess of the overall food market over time. ConAgra Foods' combination with Ralcorp creates an enhanced platform that will allow ConAgra Foods to capitalize on, and contribute to, that compelling long-term growth trend while generating significant efficiencies. Ralcorp has strengthened its leadership position in private label through recent strategic acquisitions and enhanced customer relationships. The two companies' portfolios are a complementary fit, with very little overlap in terms of offerings. Ralcorp's leading private label offerings include cereal, pasta, crackers, jellies and jams, syrups, frozen waffles, and more. Ralcorp's total annual sales of approximately $4.3 billion also include a branded and commercial / foodservice portfolio.
The combined company will have significant operating capabilities across its branded, private label and commercial / foodservice businesses, including:
- A robust Sales and Marketing function that drives top-line growth
- A strong Research, Quality and Innovation platform
- A management team with deep industry experience and strong talent across the organization
- A core understanding of delivering value to the customer and consumer
- A consumer and shopper insights-driven focus
- Procurement and risk management expertise
- Well-developed productivity capabilities and experience with complex supply chains
ConAgra Foods intends to use its strong infrastructure and productivity capabilities to drive significant cost synergies from this transaction, primarily in the areas of supply chain and procurement efficiencies. It expects to achieve approximately $225 million of cost synergies on an annual basis by the fourth full fiscal year after closing.The acquisition of Ralcorp is expected to be financed primarily with cash on hand, existing credit facilities and new borrowings, for which ConAgra Foods has received a commitment letter from BofA Merrill Lynch. ConAgra Foods is fully committed to its investment grade credit rating, and consistent with that commitment, expects to issue up to $350 million of equity. ConAgra Foods will prioritize rapid deleveraging in the near term through its strong cash flow generation. The company currently expects to maintain its dividend of $1.00 per share on an annual basis and will significantly reduce its share buyback activities for a period of time. ConAgra Foods remains committed to its long-term capital allocation priorities, including a top-tier dividend, strong balance sheet and strong liquidity. Integration ConAgra Foods and Ralcorp will establish a transition team comprised of members of both management teams to prepare for and to oversee the integration of the businesses. Terms and Conditions The transaction is subject to the approval of Ralcorp's shareholders and customary regulatory approvals. The transaction is expected to close by March 31, 2013. Advisors Centerview Partners and BofA Merrill Lynch are serving as financial advisors to ConAgra Foods and Davis Polk & Wardwell LLP is serving as its legal advisor. Barclays and Goldman, Sachs & Co. are serving as Ralcorp's financial advisors and Wachtell, Lipton, Rosen & Katz is serving as its legal advisor. More information on the transaction can be found at www.conagrafoodstransaction.com. Conference Call Details ConAgra Foods will host a conference call at 8:30 am EST/7:30 am CST today to discuss the announcement. Domestic and international participants may access the conference call toll-free by dialing 1-888-312-3047 (US/Canada Toll Free) and 1-719-457-2606 (International Toll) respectively, and using the passcode 1466942. This conference call, along with webcast presentation materials, can also be accessed live on the company's Investor Relations website at http://investor.conagrafoods.com. To access a replay of the conference call, please dial 1-888-203-1112 (US/Canada Toll Free) or 1-719-457-0820 (International Toll), passcode 1466942. Ralcorp also issued a separate release today announcing its fourth quarter and full fiscal year 2012 earnings results, which is available on the investor section of the company's website at www.ralcorp.com. About ConAgra Foods, Inc. ConAgra Foods, Inc., (NYSE: CAG) is one of North America's leading food companies, with brands in 97 percent of America's households. Consumers find Banquet®, Chef Boyardee®, Egg Beaters®, Healthy Choice®, Hebrew National®, Hunt's®, Marie Callender's®, Orville Redenbacher's®, PAM®, Peter Pan®, Reddi-wip®, Slim Jim®, Snack Pack® and many other ConAgra Foods brands in grocery, convenience, mass merchandise and club stores. ConAgra Foods also has a strong business-to-business presence, supplying frozen potato and sweet potato products as well as other vegetable, spice and grain products to a variety of well-known restaurants, foodservice operators and commercial customers. For more information, please visit us at http://www.conagrafoods.com. About Ralcorp Holdings, Inc. Ralcorp produces a variety of private‐brand foods sold under the individual labels of various grocery, mass merchandise and drugstore retailers, and frozen bakery products sold to in-store bakeries, restaurants and other foodservice customers. Ralcorp's diversified product mix includes: ready‐to‐eat and hot cereals; nutritional and cereal bars; snack mixes, corn‐based chips and extruded corn snack products; crackers and cookies; snack nuts; chocolate candy; salad dressings; mayonnaise; peanut butter; jams and jellies; syrups; sauces; frozen griddle products including pancakes, waffles, and French toast; frozen biscuits and other frozen pre‐baked products such as breads and muffins; frozen and refrigerated doughs; dry pasta; and frozen pasta meals. For more information about Ralcorp, visit the Company's website at www.ralcorp.com. Cautionary Statement Regarding Forward-Looking Statements This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on ConAgra Foods' current expectations and are subject to uncertainty and changes in circumstances. These forward-looking statements include, among others, statements regarding expected synergies and benefits of a potential combination of ConAgra Foods and Ralcorp, expectations about future business plans, prospective performance and opportunities, regulatory approvals and the expected timing of the completion of the transaction. These forward-looking statements may be identified by the use of words such as "expect," "anticipate," "believe," "estimate," "potential," "should" or similar words. There is no assurance that the potential transaction will be consummated, and there are a number of risks and uncertainties that could cause actual results to differ materially from the forward-looking statements made herein. These risks and uncertainties include the timing to consummate a potential transaction between ConAgra Foods and Ralcorp; the ability and timing to obtain required regulatory approvals and satisfy other closing conditions, including the approval of Ralcorp's shareholders; ConAgra Foods' ability to realize the synergies contemplated by a potential transaction; ConAgra Foods' ability to promptly and effectively integrate the business of Ralcorp and ConAgra Foods; the availability and prices of raw materials, including any negative effects caused by inflation and adverse weather conditions; the effectiveness of its product pricing, including any pricing actions and promotional changes; future economic circumstances; industry conditions; ConAgra Foods' ability to execute its operating and restructuring plans; the success of ConAgra Foods' innovation, marketing, including increased marketing investments, and cost-saving initiatives; the competitive environment and related market conditions; operating efficiencies; the ultimate impact of ConAgra Foods' product recalls; access to capital; ConAgra Foods' success in effectively and efficiently integrating its acquisitions; actions of governments and regulatory factors affecting ConAgra Foods' businesses, including the Patient Protection and Affordable Care Act; the amount and timing of repurchases of ConAgra Foods' common stock, if any; and other risks and uncertainties discussed in ConAgra Foods' filings with the SEC, including its most recent annual report on Form 10-K and subsequent reports on Forms 10-Q and 8-K. Investors and security holders are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date they are made. ConAgra Foods disclaims any obligation to update or revise statements contained in this press release to reflect future events or circumstances or otherwise.
Additional Information and Where to Find ItRalcorp intends to file with the SEC a proxy statement in connection with the proposed merger. The definitive proxy statement will be sent or given to the shareholders of Ralcorp and will contain important information about the proposed merger and related matters. RALCORP SECURITY HOLDERS ARE URGED TO READ THE PROXY STATEMENT CAREFULLY WHEN IT BECOMES AVAILABLE. The proxy statement and other relevant materials (when they become available), and any other documents filed by Ralcorp with the SEC, may be obtained free of charge at the SEC's website, at www.sec.gov. In addition, security holders will be able to obtain free copies of the proxy statement from Ralcorp by contacting Investor Relations by mail at Attention: Investor Relations, 800 Market Street, St. Louis, Missouri 63101. Participants in the Solicitation Ralcorp and its directors and executive officers may be deemed to be participants in the solicitation of proxies from Ralcorp shareholders in connection with the proposed merger. Information about Ralcorp's directors and executive officers is set forth in its proxy statement for its 2012 Annual Meeting of Shareholders, which was filed with the SEC on January 13, 2012, and its Annual Report on Form 10-K for the year ended September 30, 2011, which was filed with the SEC on December 14, 2011 and on September 12, 2012. These documents are available free of charge at the SEC's website at www.sec.gov, and by mail at Attention: Investor Relations, 800 Market Street, St. Louis, Missouri 63101, or by going to Ralcorp's Investor Relations page on its corporate website at www.ralcorp.com. Additional information regarding the interests of participants in the solicitation of proxies in connection with the proposed merger will be included in the proxy statement that Ralcorp intends to file with the SEC.


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Adebayor, who scored the opener, was given a straight red card early on after a reckless lunge on Santi Cazorla and then watched from the sidelines as his side capitulated to a 5-2 defeat.
"I think it will be a big loss for us because Adebayor has a lot of quality," Gallas told the Hackney Gazette. "He can keep the ball, he can score and we can play long or short.
"From the pitch it [the red card] was difficult for the players to accept. We spoke with the referee. We said to him 'it's not fair', but some people on the TV said he deserved the red card.
"I think he [Adebayor] was sorry, even if he didn't say anything. He was really sorry, we could see that on his face. Now we have to forget that game because it was painful.
|West Ham are 16/1 with Bet365 to beat Tottenham 2-1
"We were unlucky because we were down to 10 men and that's hard, especially when you play away and when you play against a team like Arsenal, who play really good football.
"It's really difficult to keep that score so I think we were unlucky. In the Man City game, and against Chelsea, I think we missed something but we have to work again and try to come back.
"The season is still long. We have to work hard and we know how hard it is to qualify for the Champions League."
Tottenham have the chance to put the derby defeat to one side as they face West Ham next Sunday and Gallas believes victory is crucial to end a recent run of successive defeats.
"I know it's not easy sometimes but we have to come back to training, work again and try to have confidence because it's true that confidence can be low," he added. "We lost 5-2 so the confidence can be low, but we will be okay.
"Every game is very good because it means you can forget about the game you have played before.
"West Ham will be one more difficult game but we have to carry on. We have a target, we have to keep working in training and it will come."


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SPRING GROVE – Spring Grove is what it is today because of John Toler, friends and community leaders said.
A native of St. Louis, the former Spring Grove village president died May 17 at the age of 70 in Littleton, Colo., where he was visiting his son.
A veteran of the Vietnam War – where he earned three Purple Hearts, a Bronze Star and a Silver Star – he will buried at Arlington National Cemetery this summer.
"He set the agenda for Spring Grove," said Ron Erdmann, a friend of Toler's and a former superintendent for Richmond-Burton Community High School District 157. "When he came to Spring Grove, there were no real ordinances, there was no central plan. He brought development. He attracted industry. He built parks. The guy never stopped. I don't think he ever slept."
Toler sat on the Spring Grove Village Board for two years before serving as village president from 1983 to 1993.
He was particularly proud of the emphasis on training for the police department and the decision to have 1-acre, single-family zoning, said his wife, Judy Toler.
Not everyone, including longtime friend and Richmond attorney Don Stinespring Sr., agreed with Toler on the zoning decision. Current village officials have talked about decreasing the required acreage per home.
"John wasn't one to hide his feelings," said Stinespring, who considered Toler his best friend. "He let you know what he thought. He'd listen to everyone, and he'd let you know what he thought."
Stinespring and his wife, Susan, lived next door to the Tolers. Both families had two boys and one girl, and the kids were similar ages.
They would sit on their back patios talking about village politics and commiserating about being small-business owners. Toler and his brother, James, created a manufacturer representative business called Toler Marketing Group.
Toler and Stinespring also served together on the Northern Illinois Medical Center's board of directors, Toler's two years as chairman following Stinespring's.
Toler also was part of the Teamwork Not Taxes group, which raised enough money to build an athletic field complete with bleachers, a press box and scoreboard before the new high school was built, Erdmann said.
"That was just John's personality," Judy Toler said. "He got involved in everything. He was involved in the hospital. He was active in the schools. He helped coach the kids' little league teams."
The Tolers left Spring Grove in 1994, eventually moving to Red Lodge, Mont.
Former Spring Grove village president dies
SPRING GROVE – Spring Grove is what it is today because of John Toler, friends and community leaders said.


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Rob Esche Talks Pro Hockey in Utica with Utica Flames Fan Club [VIDEO]
The rumors continue to run rampant that professional hockey will return to Utica. A Utica Flames Fan Club has formed on Facebook and yesterday a video featuring Rob Esche was released.
Esche talks about the possibility of sharing the AUD with Utica College hockey and more.
News 1130 in Vancouver rebuts the speculation of the Abbotsford Heat moving to New York.


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In the wake of Miley Cyrus' scandalous performance on the Video Music Awards, "American Milkshake" from writer-director-producers David Andalman and Mariko Munro hits on a particularly topical trend: the (mis)appropriation of black culture. In this case, Jolie (Tyler Ross), a skinny white teenager in suburban D.C. circa 1995, wants more than anything to be a baller, and it's a "dream come true" when some of the big black boys bused in to his magnet school from the Maple Avenue Towers get hurt, in trouble or arrested — increasing his chances to make the team and then to get "some clock."
Meanwhile, he's secretly dating Henrietta (Shareeka Epps, given little more to do here than scold), an African American classmate whose adoptive hippie-dippie parents don't realize she's pregnant. It's another boy's baby, but that's OK with Jolie because he's into the fact that "she's kinda thugged out." Publicly, he's dating Christine (Georgia Ford), a hot cheerleader who will give him the time of day now that he's on the varsity squad.
"American Milkshake" fancies that it's saying something profound about Jolie clumsily coveting his teammates' thug lives. He's even the great-great-grandson of the blackface performer Al Jolson — how's that for allegory? But the script is short on details and insight, and when asked to comment on this condition — or the script's sketch of a culture on the cusp of the Internet revolution — the film, like its dirtbag protagonist, just shrugs.
"American Milkshake"
MPAA rating: R for sexual content, language and a brief nude image.
Running time: 1 hour, 22 minutes.
Playing: At the Downtown Independent, Los Angeles. Also on VOD.
PHOTOS: Faces to watch 2014 | Movies
ENVELOPE: The latest awards buzz
DOCUMENTARIES: 10 best of 2013, and a new crop in 2014


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In regards to your Commodore Perry comment, ,
If Spain tomorrow suddenly lost their minds and committed an act of war against the United States, because we decided we want nothing to do with helping them avoid bankruptcy, and they decided they wanted Puerto Rico back, would this be an appropriate application of "blowback?" (See the Spanish American War)
What should the United State's response be?
Site Information
About Us
- RonPaulForums.com is an independent grassroots outfit not officially connected to Ron Paul but dedicated to his mission. For more information see our Mission Statement.


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|Previous College:
|Albright '12
Bruno joined the Green Terror staff in 2013 to coach the safeties – a position he knows well. In 2014, he will have general oversight of the entire defensive backfield.
The Brick, N.J., native follows his former defensive coordinator to the Hill. A two-year starter in the Albright secondary for current McDaniel head coach Mike Hoyt, Brunlo started 21 games at safety, including the ECAC Southeast Bowl as a senior.
He recorded 81 tackles and recorded four interceptions during his tenure in the Lions secondary. He added two forced fumbles and two fumble recoveries.
He was a member of the 2009 Albright team that reached the NCAA quarterfinals.
Following his graduation with a degree in sociology, Bruno returned home to coach linebackers at Brick Memorial High School in 2012.
Bruno has participated in numerous camps and clinics, including the Lauren's First and Goal Football Camp as both a player and a coach.
Recruiting Areas
NJ: Atlantic, Burlington, Mercer, Monmouth, Ocean Counties


text: What's up everyone I'm new here trying to get some information from people who know more about this than myself. What I've been looking for is a decent in dash DVD stereo with Bluetooth capabilities that will fit in my Toyota Camry 2010. My price range is $400 I'd prefer to go lower than that but I do want the stereo to be reliable so if $400 is what it takes then I'd be willing to spend it. Any help will be highly appreciated.


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East Texas Police Academy passes annual inspection
|Report boasts 99 percent pass rate on state exam
In the report delivered to the academy Aug. 9, TCOLE noted that the ETPA had also maintained a 99.23 percent pass/fail rate for the last three years for the academy's Basic Peace Officer Course.
Out of 622 students over the three-year period, 618 passed the state exam on the first attempt.
"When you look at the performance of academies located at colleges and universities throughout the state, the East Texas Police Academy is certainly a leader when it comes to the pass rates for candidates taking the exam for the first time," said Dr. Bill Holda, KC President. "We are very proud of the exemplary performance of the East Texas Police Academy and we congratulate them for their achievements."
The ETPA also had a 93.47 percent pass/fail rate over the same three-year period for the Basic County Corrections Officer Licensing Course.
In addition to the Basic Peace Officer and Basic County Corrections Officer courses, the ETPA conducts continuing education courses for several law enforcement agencies throughout East Texas, especially the nine counties of the ArkTex Council of Governments region and the 14 counties of the East Texas Council of Governments region.
The report also noted that the ETPA had advanced technologically through its addition of distance learning, creating a "virtual classroom" for students to receive training at their computer rather than being in a classroom.
Training Coordinator for the ETPA is Brian Ruthven and Deputy Director is Michael Ferguson.


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Allan D. Downing Sr., 69
Allan D. Downing Sr., 69, of rural Wharton, died at 6:42 p.m. Friday, April 6, 2012, at the Wyandot Memorial Hospital Emergency Room in Upper Sandusky.
He was born on Aug. 25, 1942, in Lima, to Alfred L. and Donna Mae (Garee) Downing, and his mother preceded him in death. His father survives in Spencerville.
On March 24, 1982, in Upper Sandusky, he married Trina K. Laipply, and she survives in rural Wharton.
He is also survived by his children, Jerry McGowan of Ottawa, Shelly Striegel of Warrensburg, Mo., Tammy Massingill of Palm Bay, Fla., Tina Taylor of Upper Sandusky, Lynetta Bigness of Kennewick, Wash., Lisa McGowan of Mesa, Ariz., Lawrence W. Perringer of Oaksdale, Wash., Audra Blank of Garfield, Wash., Allan D. (Angie) Downing Jr. of Sycamore, Levi A. Downing and Robert P. Downing, both of Wharton; a sister; 38 grandchildren; 18 great-grandchildren.
He was preceded in death by a daughter, Toni McGowan.
He was a 20-year veteran of the U.S. Navy and served in the Vietnam War. While in the Navy, he was an optical repair specialist and instructor.
The funeral service will be held at 11 a.m. Wednesday at Stombaugh-Batton Funeral Home in Carey, with the Rev. Jim Williams officiating.
The Carey Honor Guard will conduct a military service at the funeral home following the service.
A private burial will be at Wharton Richland-Union Cemetery near Wharton at a later date.
Family and friends will be received from 3 p.m. to 5 p.m. and from 7 p.m. to 9 p.m. Tuesday at Stombaugh-Batton Funeral Home in Carey.
Memorial contributions may be made to the Delaware Township Volunteer Fire Department or to Angeline School of Opportunity in care of the funeral home.
Online condolences may be sent to StombaughBatton.com.


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We can't just have one or two guys step up. We need everyone. We need Rondo to play like an MVP. We need Ray to hit his threes. We need Pierce to hit big shots and Garnett to rebound. We need the bench to play like they did in Game 4 and we need Kobe to not have a 3rd quarter like he did in Game 5. We need to cut down on turnovers and block out the Lakers bigs. We need to get on the Lakers early and not let them have any hope of victory.
There is also Celtics immortality on the line. Sure, the core of the Celtics team has already won a title. However in Boston, legendary status requires at least 2. If Pierce, Garnett, Ray, and Rondo want to be immortalized in Celtics history they need to win this. Will it be a disappointing season if they lose? Maybe not disappointing, but certainly underachieving. We always knew this Celtics team had it in them and to fall short after coming so close would be heartbreaking. Not to mention having to watch the inevitable Kobe love fest on ESPN.
This isn't a must win game. The Celtics are more than capable of winning a Game 7 in L.A, but why chance it? The finish line is so close, the championship trophy right within grasp. Let's finish it off tonight and celebrate in the streets of Boston! Karl Dillinger 6/15/2010 02:59:00 PM Tweet Edit
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Learn how MacUpdate Desktop can install apps on MacUpdate with the simple click of the icon. Plus, keep all your apps updated.
The OpenLink Express ODBC Driver for Microsoft SQL Server is a single component installed on a machine hosting ODBC compliant applications such as Microsoft Excel, 4th Dimension, Omnis Studio, DB Visualizer, DB Designer, etc.
The OpenLink Express ODBC Driver for Microsoft SQL Server is a Type-B class of driver enabling seamless connectivity to your database out-of-the-box, thus eliminating the need for the installation of any database-specific client networking software. This driver simplifies the configuration requirements at every attempt, maximizing your data-capability whilst minimising the need for knowledge
What's New
- Supports all Gatekeeper changes in OS X Mountain Lion, Mavericks, Yosemite, and El Capitan
- Supports connections to Microsoft SQL Server 2014 and earlier
- OS X 10.7 or later


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Some union leaders are still so peeved that the Democrats are holding their convention in right-to-work North Carolina that they want to hold their own political gathering a few weeks before the Dems' Charlotte convention.
The Associated Press is reporting that this "labor summit" would be held in a more union-friendly city, like Philadelphia. They're even planning to invite Democratic elected officials -- governors, members of Congress -- who are longtime labor allies.
Though most labor unions are still planning to send members to the Democratic National Convention, about a dozen or so unions announced last year that they'd be bypassing the convention in Charlotte -- a city, they also point out, that has no union hotels.
Here's a more complete report.
Tim Funk
Thursday, March 15, 2012
Unions unhappy with Charlotte plan their own 'labor summit'
Some union leaders are still so peeved that the Democrats are holding their convention in right-to-work North Carolina that they want to hold their own political gathering a few weeks before the Dems' Charlotte convention.
44 comments:
- Anonymous said...
It's hard to imagine an industry that since 1960 has been made better by a union. It not a coincidence taht Boeing is expanding in Charleston or Hundai goes to Alabama.
- March 15, 2012 at 2:34 PM
- Anonymous said...
Just another reason why unions suck! It also shows you that unions are biased drastically toward democrats, therefore, in states where there are forced unions, it's shouldn't be legal for unions to collect fees from every employee and use part of their money to support the democratic party against a person's will. How anyone can look at this and say it's fair or right, is beyond me!
- March 15, 2012 at 2:42 PM
- Anonymous said...
The only comeback I've heard when I question the advantage of unions is "They gave us the 40-hr work week". Uh... Well I'm a pretty recent college grad and work at least 50/week, and some Saturdays if I have important projects to get done... So there goes the validity of that argument.
- March 15, 2012 at 2:47 PM
- Anonymous said...
What are you guys talking about, Detroit is booming? Philly is a power house of industry. Trenton, NJ... people are moving there in droves.
- March 15, 2012 at 2:51 PM
- Anonymous said...
Ouuu, yea... I see another Chicago 68' brewing here... let's get some popcorn and watch the show...
- March 15, 2012 at 3:00 PM
- Greg said...
Unions are archaic. They had their place years ago but not in today's economic environment. It's what drives consumer costs up so much in the states. It's why Ford and GM can't compete with the likes of a Hyundai. Hyundai doesn't employ unions so that keeps there costs down so they can invest in better technology and pass on the savings to consumers while still turning a profit.
- March 15, 2012 at 3:43 PM
- Shelly said...
Have at it unions. Have your own convention. No one is stopping you.
- March 15, 2012 at 3:48 PM
- TC said...
Anonymous at 2:47.....are you getting OT pay for that time over 40 hours? Another idea that unions helped bring about,as well as the 40 hour work week!If you aren`t getting overtime pay for any hours over 40,that`s crazy! As well as the fact that you`d be called a slave and a fool!
- March 15, 2012 at 3:54 PM
- Tony Soprano said...
Fuh get about it
- March 15, 2012 at 4:01 PM
- Tommygunz said...
TC, not all people work an hourly wage job. Unions would probably like you to believe that so you wouldn't want to start a small business or get paid by the job or put forth some effort towards an end goal that pays more. They want to control the employees wages so they can compensate $ not to better the worker.
- March 15, 2012 at 4:01 PM
- Anonymous said...
- March 15, 2012 at 4:02 PM
- Anonymous said...
How does it feel to get paid the same hourly wages as the lazy sloth beside you doing half the work not producing a thing....Just taking up space?
It should bother you unless you are the lazy sloth forcing me to produce 12 widgets and hour to make up for your 6.
- March 15, 2012 at 4:09 PM
- Anonymous said...
Unions are relevant to the corrupt Dems, they are set to spend $400,000,000 of money the confiscated throught unions dues and hand it over to President Moron. Hopey changey.
- March 15, 2012 at 4:24 PM
- Anonymous said...
There's no question unions over time have been a huge help to the American worker. The problem is they have never really changed with the times, approach their role exactly the same way they did in the 1940's. Now, they just are not as necessary as most businesses have already implemented many of the work rules they fought for. Times have changed. Working with a union is very time consuming and costly. Businesses cannot survive if they have to keep old school rules that impact productivity. And the worst of them are teacher's unions.
- March 15, 2012 at 4:25 PM
- DistrictSix said...
We can hope this just widens the fracture in our country even more.
You can only assume this is what is wanted by those interested in themselves and not the country working together to fix our many problems.
- March 15, 2012 at 4:26 PM
- TOMMYGUNZ said...
Amen DistrictSix! Testify!!!
- March 15, 2012 at 4:34 PM
- Anonymous said...
This will post as anonymous, my name is Dan and I can be reached at firstname.lastname@example.com, no worries.
Since we've got a lot of anti-union posts you can put me in the other category. Some things to consider...
Whether we are part of a union or not the middle class owes it's existence to organized labor.
The 40 hour workweek as a standard, the concept of a weekend, and numerous safety precautions--all union. Since industrialization working class people have made dramatic strides in achieving a higher standard of living, as work injuries and fatalities and terrible work conditions are no longer the norm.
This being said, saying there is no need for a union is like saying there is no need for a police force, or separate branches of government, or trial by jury since we have come so far in achieving a relatively peaceful existence in the face of greater tyranny throughout human history.
Unions are not perfect, and are occassionally miting factors for improvement, but so can be the court system, so can be the legislature, this does not mean people should abandon democratic institutions merely because they are not flawless.
Anyone who has ever been abused by their employer, or take advantage of in the form of any dishonest practice can understand the importance of representation. Finally, which of these is the worse alternative, a company with one corrupt board or CEO that functions like a dictator, or a comapnany with mostly well intentioned employees with a handful of workers that underperform (who by the way are factors in non union environments as well). Union members are subject to disciple and firing for their abuse just as in non union environments.
Consider that currently less than ten percent of workers in the US belong to a union, and the income is greater than it has been since the 1920s when union membership was nearly as low as it is today. The very concept of middle class is built upon profit sharing that has allowed several million Americans the ability to afford higher education, access to medical care, and livable wages. And the best part, your boss will still be much richer than you, just not possess the same overbearing power that has college educated people working for peanuts.
- March 15, 2012 at 4:37 PM
- Anonymous said...
Income gap grater than 20s, not just income
Discipline, not disciple
- March 15, 2012 at 4:42 PM
- Rebels Hate Me said...
I love it...all of these southerners commenting about industry again, just like they fought they changes in the workplace at the beginning of the Industrial Revolution.
You uneducated southerners don't know jack about Unions, yet you sit there and comment. All of you believe that life is better with less pay, lousy working conditions and whenever your Boss tells you to bend over, you do it. Next, you southern rebels will be giving us your opinion on the West Bank, or your drivel about something else you read in Reader's Digest...that is IF you can read.
Look, all you do is fight EVERYTHING and EVERYONE for the past 150+ years, so how would you even know how a Union operates? No, you watch things from afar and form an opinion, based on hearsay. You don't actually value knowledge, leadership, or education; you simply want to rebel.
Unions serve the purpose of checks and balances with management and ownership. It's not all about the money...but why explain it to you simple southerners.
- March 15, 2012 at 5:07 PM
- DistrictSix said...
5:07, Thanks for deeming to even try to inform us of how things should be like those great industrial cities up North.
9. Camden, NJ
> Credit rating: Ba2
> 2009 revenues: $181,257,000
> 2009 debt: $103,284,000
> Median household income: $25,418
Camden suffers from high unemployment, high poverty, and a weak tax base. The city's median household income is less than half that of the national median income and is the lowest of all the municipalities on this list. Moody's notes that "more than half of Camden's real estate is tax-exempt, hampering already weak tax collections." The city has had a speculative grade credit rating since 1998. Three out of the past five Camden mayors have been sent to prison for corruption, the most recent in 2001.
Also Read: Short Sellers Savage Banks
8. Strafford County, NH
> Credit rating: Ba2
> 2009 revenues: $36,204,000
> 2009 debt: $23,866,000
> Median household income: $58,363
Strafford County's low rating is largely due to a money-losing nursing home, on which the county spends two-fifths of its budget. Just under 85% of the patients at the Riverside Rest Home are eligible for Medicaid, yet state reimbursements to the county continue to decrease, according to Moody's. Between 2004 and 2009, the nursing home lost $36 million. The county does not expect to recover much of the money it used to cover these deficits.
7. Riverdale, IL
> Credit rating: Ba2
> 2009 revenues: $8,358,000
> 2009 debt: $9,350,000
> Median household income: $40,659
Riverdale has run operational deficits for a number of consecutive years, driven primarily by
a reduction in the amount the village relies on debt financing. "The village funded itself by borrowing money from its sewer and water funds, and now carries an operating fund balance of -52.1% of revenues." The city, like many others on this list, is extremely small, with a population of just over 14,000.
Also Read: Pew Research – Local Information Need Buoys Newspapers
6. Salem, NJ
> Credit rating: Ba3
> 2009 revenues: $7,059,000
> 2009 debt: $10,098,000
> Median household income: $28,397
Salem guaranteed bonds issued to finance an office building downtown. The city planned to pay for the bonds with revenues earned from leasing office space in the building. However, revenue fell short of what was projected when construction delays caused lease payments delays. "The project's debt service reserve fund has been drawn down numerous times," Moody's reports. "Once the reserve fund has been exhausted, the city is obligated to pay debt service for the life of the bonds."
- March 15, 2012 at 5:22 PM
- DistrictSix said...
5. Detroit, MI
> Credit rating: Ba3
> 2009 revenues: $1,280,791,000
> 2009 debt: $2,449,480,000
> Median household income: $29,447
Detroit has suffered worse from the recession than almost any other U.S. city. The effects of the city's economic situation are reflected in its credit rating. Many of Detroit's biggest companies, such as General Motors and Chrysler, declared bankruptcy, placing "significant pressure" on the city, according to Moody's. Detroit relies on the auto industry for its tax base, and the industry's contraction has hurt the city immensely. The city became a "habitual note borrower," relying on investors to close budget gaps.
4. Harrison, NJ
> Credit rating: Ba3
> 2009 revenues: $32,763,000
> 2009 debt: $92,613,000
> Median household income: $49,596
Harrison "issued a significant amount of debt to foster redevelopment, and continues to collect substantially less revenue from those developments than projected," Moody's explains. One of the largest projects is the $200 million Red Bull Arena, which was opened in March 2010 and cost the city $39 million in debt but has yet failed to have the expected returns. To help solve its debt problem, the city, which has a population of 13,620, plans to fire some police officers and firefighters.
Also Read: Poor Judgement By Ralcorp's Board
3. Jefferson County, AL
> Credit rating: Caa1
> 2009 revenues: $309,440,000
> 2009 debt: $1,337,233,000
> Median household income: $44,718
Jefferson County's debt, which is the second largest on this list, comes from a $3.2 billion overhaul of the county's sewer system as well as a series of risky, controversial bond deals meant to help the county pay for the sewer work. A number of city officials have been sent to jail on corruption charges linked to the project. "The county defaulted on almost $3.5 million in 2008 — the biggest default in municipal history," according to Moody's. Worse still, this year, the Alabama Supreme Court invalidated the county's occupational tax, which accounted for one quarter of the county's total revenues.
2. Pontiac, MI
> Credit rating: Caa1
> 2009 revenues: $46,183,000
> 2009 debt: $99,115,000
> Median household income: $32,199
The source of Pontiac's troubles is similar to that of Detroit's. General Motors, which went bankrupt during the recession, is the city's largest employer and taxpayer. The city has been in receivership since 2009. Also in 2009, the city sold its Silverdome stadium, which cost over $55 million to build, for $583,000. Such concessions have not been enough to raise the city's rating.
1. Central Falls, RI
> Credit rating: Caa1
> 2009 revenues: $17,601,000
> 2009 debt: $18,753,000
> Median household income: $33,520
In August 2011, Central Falls declared bankruptcy largely because of the city's pension plan, which promised $80 million in retirement benefits. According to the New York Times, the "pension fund will probably run out of money in October, giving Central Falls the distinction of becoming the second municipality in the United States to exhaust its pension fund, after Prichard, Ala." This $80 million is approximately five times the city's general fund budget.
I could have posted this link: http://247wallst.com/2011/09/27/nine-american-cities-going-broke/
But since you spent so much time writing your tome, I felt it would service you better to see it in print. Especially since you apparently do not do much research.
- March 15, 2012 at 5:22 PM
- Ghoul said...
Unions are no equalizer anymore, they just exist to make the union leaders rich.
The true equalizer in today's society are your feet. If you do not feel you are being paid enough for your work, quit and go somewhere else. If you are good at what you do, someone else will pay you more, give you better benefits, and you will be happier working there.
Or you can stop working for someone else and work for yourself. That's what I did, I was tired of splitting my actual worth with someone else, so I went out on my own. Now I charge what I feel is an honest days pay for an honest day's work.
- March 15, 2012 at 5:59 PM
- John said...
Labor unions are on the way out. Indiana just became the 23rd state to become a "right-to-work" state.
Unions rose to power as a way to defend the rights of workers from management. Decades of union abuses have led to more and more states becoming "right-to-work" states to defend the rights of those same workers from Unions!
If union leaders refuse to attend conventions in right-to-work states, the Dems are going to soon run out of places to hold conventions!
- March 15, 2012 at 6:33 PM
- John said...
I'm a northern transplant who had a brother-in-law who worked for many years for Whirlpool in a union shop.
I watched him have to skip vacations because he was out on strikes that he didn't want.
Strike votes were held in a stadium by a "stand-up" vote and there were union thugs in the aisles to make sure nobody stood when the union didn't want them to and that everybody stood when they wanted them to! Never trust any organization that is afraid of the secret ballot... you only oppose it when you want to be able to intimidate people to vote the way you want.
I watched my hometown go from FOUR plants running 7x24 to just ONE plant with a skeleton crew because the unions would strike at the drop of the hat, included to defend workers fired for showing up at the assembly line DRUNK!
Many top union leaders (remember Jimmy Hoffa) have been linked to organized crime.
Your comments are the ones that come across as uninformed and bigoted. Do us all a favor and move back North. You are an embarrasment to the rest of us.
The closest you come to accurate was in the beginning of your final paragraph... yes, Unions USED to serve the purpose of checks and balances... but that was ONLY until organized crime and the very same greed of industry took over the leadership of th unions. Now, THEY commit the same abuses they were created to defend against.
You're blinded by your politics and too much time drinking the kool-aid. There are now 23 states that have passed right-to-work legistlation... unions have failed and they are on the way out.
So why don't you take your racist, bigoted opinions back North where you came from?
- March 15, 2012 at 6:44 PM
- Anonymous said...
John, bravo. And thank you.
- March 15, 2012 at 7:04 PM
- Rebels Hate Me said...
Dispute it all you want, you dumb southerners. Just continue to bend over and take it in the a$$ from your employers. Employers today have all the power and can fire you for anything they wish...and your rednecks think that is just fine with you. No wonder the southern states still sit in the Bottom 10 states in Public Education. You people are idiots!
Sorry, but working is a two-way street and you don't get to treat me any way you wish. That is why Unions were created. Yet, you dumb confederates never figured that out. Did you ever wonder why Northern Companies are moving south? Because Northern workers wouldn't put up with the $h!t southern workers were...and the fact you're too stupid to know any better.
- March 15, 2012 at 7:26 PM
- Rebels Hate Me said...
Hey John, you're one of those uneducated "Yes sirs." You fit in great down here. You're a terrific blue collar worker that could have worked the cotton fields down here without complaint.
I've been down here for 20 years and have dealt with so much racism, hatred and stupidity down here, it's a joke. I can't stand cold weather and I'm not going anywhere, A-hole. You move back up there. I'm glad you buy into the Plantation Owner mentality; you'll make someone a great slave, John.
- March 15, 2012 at 7:49 PM
- DistrictSix said...
I will admit things are better since folks came here and showed us how to pave Tryon Street a couple of years ago.
- March 15, 2012 at 7:54 PM
- Anonymous said...
Unions are like governments, they usually start out very well intentioned and small, but over time they grow so big and make everything so inefficient that they bankrupt the very people they are representing.
- March 15, 2012 at 8:42 PM
- Anonymous said...
Lot of open minded people here, that have never worked for a union and talk so bad about it because mom and pop was a repub. You may not know this but wages are going down not up.
- March 15, 2012 at 8:57 PM
- Anonymous said...
Rebels Hate Me, you are a shining example of what a Union Thug strives to be. Your comments go further at making the non-union sides arguement than anything anyone else could say. By all means, keep going. You keep letting some Union rep tell you when you can and can't work for your family. Can't stand a little cold weather? I guess unions make you soft. Now if you want to respond, do it the union way. Get someone to start your computer, then get someone else to log you on, and then get someone else to hit the shift key (oops, the shift key guys are on strike, better use all lowercase, if your bylaws will allow it) and then get the person who thinks for you to come up with something real pithy to say. Make sure they throw in a little of that Northern trash Mouth, it makes you look stoopid,yo.
- March 15, 2012 at 9:00 PM
- Anonymous said...
Funny how Rebel is calling everyone else racist, but his/her comments are just as racist. Just because I am a southerner and white, Rebel thinks I am a dumb, uneducated, stupid, redneck. Lets see. The definition of racism is hatred or intolerance of another race or other races. Yep. Rebel is a racist because he/she has a severe intolerance and hatred of white people from the south. Rebel - This white redneck southerner will put my three college degrees against your education any day and time. In the south, we takes things a little slower rather than rushing around at frantic paces so we can do things correctly the first time. If you are in the neighborhood, we invite people over to hang out on the front porch to sit a while and talk. It is called having a good quality of life. You are the one who moved here. Therefore, you either accept the way we do things or you will not fit into society. I am not going to go to New York and tell the city they have to slow down because it is the way things are done in the south. In regards to other racists, those people are not exclusive to the south. There are a minority of people in most of the states who are just plain hateful. I would include you in this group based on your comments alone.
- March 15, 2012 at 9:04 PM
- Rebels Hate Me said...
Anon 9:04, I'll put my College Degrees against your southern college degrees any day of the week...boy. What are you, a Union worker? Yeah, like you would ever be a Union Employee. You sound more like a boss who wants to make sure that Unions don't start up here in the south. You want to preserve your control over the uneducated, so you can run roughshod over them. Yeah, I can see your angle from a mile away, Plantation Owner.
You try to convince others you'll look out after their best interests, when you could care less about a Union Employee. You simply want the power and control to do what you wish to an employee. I'm here to see to it that your power in controlled, policed and regulated...that is what a Union does. A Manager or Boss simply can't treat employees any way they wish, and they are bound by checks and balances as much as the employees.
Your comments alone tell me you are a scared southerner who wants to bully uneducated southerners, so you can force them to do whatever you want them to do...or else you'll threaten to fire them. Unions take care of POS' like you, buttwipe. My degrees against yours, and your inferior education down here, any day of the week!
- March 15, 2012 at 9:37 PM
- Wade said...
Unions are like eating an entire chocolate cake. At first it is good and makes you feel good. But as you continue eating, you become sick and no longer feel good. The same with a union. At first it is good and makes you feel good. But as time goes on, the union cares more about maintaining its power and the result is the economy becomes sick and nobody feels good.
Now unions are entrenched and they have those in charge or those who benefit from its corruption, like "Rebel" above, who bully everyone to keep the union alive despite the drain it becomes. Unions should be temporary. They have their place, but in no way should they allowed to become powerful. Ideally there should be a law that forces each union to disband after a short time and to not allow the workers to unionize for several years. Exception would be allowed for unions for professional athletes. It is no coincidence that pro-union states are heavy generally worse off financially.
I suggest the anonymous "Rebel" watch the brilliant Marlon Brando in the movie On the Waterfront. That movie shows what the unions become.
- March 15, 2012 at 9:58 PM
- Anonymous said...
Unless they are willing to change their vote from democrat to republican, the all their complaining really doesn't matter.
- March 15, 2012 at 10:01 PM
- Anonymous said...
Unions SUCK
- March 15, 2012 at 10:25 PM
- Anonymous said...
"Some union leaders are still so peeved that the Democrats are holding their convention in right-to-work North Carolina that they want to hold their own political gathering a few weeks before the Dems' Charlotte convention."
Good maybe they will keep there sorry a*ses up there in whatever part of H*LL their from!
- March 15, 2012 at 10:35 PM
- Anonymous said...
Rebels Hate Me is a stink bomb liar like a lib scum. This smells like some broke on welfare weedly weakling homosexual liberal white boy pos living with mommy and daddy in the boonies who never went to college to sorry to work or join the military where half of Obamas pro-athletes making millions each need to be serving their country but are nothing but egotistical narcistic cowardly chickenshit feces on the take especially their alltime hero crook scammer.
Rebels Hate Me couldnt buy a roll of toilet paper on his own to wipe his worthless stinking azz.
- March 16, 2012 at 7:08 AM
- Anonymous said...
- March 16, 2012 at 8:32 AM
- Anonymous said...
jury exhibits racist hetrophobic bigotry against straight Asian-American who outs white homosexual
- March 16, 2012 at 1:40 PM
- Anonymous said...
I'm waiting to see how much 'government investment' taxpayers will be forced to make to help fund this convention.
- March 16, 2012 at 3:27 PM
- Anonymous said...
As Ramirez explains the entire city of Charlotte is infested with bedbugs and lice and the problem has been covered up for years to the highest level. The DNC is involved in the coverup.
Yo puedo atestiguar como trabajador y sabiendo que muchos cientos de trabajadores en moteles en la ciudad de Charlotte ths que todos ellos están infestados con chinches y piojos incluso y el problema es tan grave que está siendo cubierto por todos estos lugares y los jefes de la autoridad de la ciudad y aún el estado en el Capitolio. El problema no puede resolverse. La única forma de deshacerse de chinches y piojos en estos hoteles céntricos es derribar los edificios y reconstruir.
x Rameriz
- March 17, 2012 at 7:15 AM
- Anonymous said...
this was one of the most interesting exchanges I have seen in a long time...
I can't for the life of me decide why Rebels Hate me would live here since she is obviously miserable... Florida is full of Northerners, why don't you move there? It's warmer too.
Unions have gone way way out in left field.. Perhaps Rebel's Hate me lives here because the non union job market and opportunities are better? I don't know..
Neither unions or non-union companies are perfect for sure, but I would rather have the option to NOT have one... Teacher Unions in particular are a huge waste of money and time.
- March 18, 2012 at 2:09 AM
- Anonymous said...
Florida is a bonified southern state and one of the original southern states since America was founded and created in the south.
- March 18, 2012 at 7:33 AM


text:
Department Chair
Director of Undergraduate Studies
(414) 288-7901
e-mail Dr. Marten
Assistant to the Chair
(414) 288-6330
e-mail Ms. Kreisler
Director of Graduate Studies
(414) 288-7863
e-mail Dr. Efford
(Ph.D., Notre Dame 1985)
20th century US, Religious, Western
Sensenbrenner Hall, 203J
(414) 288-3556
e-mail Dr. Avella
(Ph.D., North Carolina-Chapel Hill 1982)
Russia, Soviet Union
Sensenbrenner Hall, 303F
(414) 288-7124
e-mail Dr. Ball
(Ph.D., Wisconsin, Madison 1972)
Renaissance, Reformation, Jesuits
e-mail Fr. Donnelly
click for brief CV
(Ph.D., Connecticut, 2005)
US foreign relations, Latin American
Sensenbrenner Hall, 203K
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(Ph.D., The Ohio State University, 2008)
United States History, Ethnicity, Immigration, Gilded Age
Sensenbrenner Hall, 303G
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e-mail Dr. Efford
Jennifer Finn, Assistant Professor
(Ph.D. University of Munich, 2015
Ph.D., University of Michigan, 2012)
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Sensenbrenner Hall, 303B
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(Ph.D., Wisconsin, Madison 2001)
US, Early national, Gender
Sensenbrenner Hall, 303C
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e-mail Dr. Foster
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Sensenbrenner Hall, 203L
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US Urban
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(Ph.D., Wisconsin, Madison 2001)
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Daniel J. Meissner, Associate Professor
(Ph.D., Wisconsin, Madison 1996)
Modern China
Sensenbrenner Hall, 202G
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Patrick Mullins, Assistant Professor
(Ph.D., Kentucky, 2005)
Public History, American Revolution
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(Ph.D., Marquette 1980)
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Bryan Rindfleisch, Assistant Professor
(Ph.D., University of Oklahoma, 2014)
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*All CV's are


text:
More than 60 quilts of all sizes, shapes and colors, hand-crafted by various church groups and individuals from northern Illinois and other locations, have been donated for the Fundraiser Quilt Auction for Stronghold Camp and Retreat Center.
This first-ever event on Saturday, Oct. 5 will be held in conjunction with the Olde English Faire. All proceeds will benefit Castle and Camp improvement projects.
There are even some vintage quilts from the 1930s and 1940s. There are baby quilts, wall hangings and holiday themed quilts as well.
Online bidding will be available from Sept. 20-Oct. 1 at www.biddingforgood.com/stronghold.
The Quilt Preview will be Oct. 5 from 10 a.m. – noon with the Live Auction beginning promptly at 1 p.m. in Brubaker Center at Stronghold.
Admission is $2 and also applies to Olde English Faire admission. Parking is free.
Stronghold is located two miles north of Oregon, on Ill. 2.


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Women's New Balance® Essentials Pullover Hoodie :: Slip on the cozy, New Balance® Essentials Pullover Hoodie the next time you're off to the gym or just out for a walk on a cool day. The soft, fleece fabric holds in warmth, while the kangaroo pocket in front, sneaker shoestring cord at the hood and large embroidered stacked NB logo give it sportsman-like style.
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text:
Doxepin overdose
Doxepin is a type of medication called a tricyclic antidepressant. The drug is prescribed to treat depression and anxiety. Doxepin overdose occurs when someone accidentally or intentionally takes more than the normal or recommended amount of this medication. Toxic levels of tricyclic antidepressants (TCAs) may develop due to interactions between the TCA and other medications, which affect breakdown or metabolism of the TCA.
This is for information only and not for use in the treatment or management of an actual poison exposure. If you have an exposure, you should call your local emergency number (such as 911) or the National Poison Control Center at 1-800-222-1222.
Poisonous Ingredient
Where Found
- Adapin
- Co-Dax
- Novoxapin
- Sinequan
- Triadapin
This list may not be all-inclusive.
- Airways and lungs
- Bladder and kidneys
- Urinary hesitancy (difficulty starting the urinary stream and emptying the bladder)
- Eyes, ears, nose, and throat
- Blurred vision
- Ringing in the ears
- Heart and blood
- Irregular heartbeat (may be fatal)
- Low blood pressure
- Shock
- Mouth, stomach, and intestinal tract
- Constipation
- Dry mouth
- Nausea
- Unpleasant taste
- Vomiting
- Nervous system
- Agitation
- Coma
- Confusion
- Convulsions
- Drowsiness
- Headache
- Incoordination
- Muscle rigidity
- Restlessness
- Seizures
- Stupor (a lack of alertness)
- Skin
- Skin that is unusually sensitive to sunlight (photosensitive)
Home Care
Get immediate medical help. Do NOT make the person throw up unless told to do so by poison control.
Before Calling Emergency
Determine the following information:
- Patient's age, weight, and condition
- Name of the product (ingredients and strengths, if known)
- Time it was swallowed
- Amount swallowed
- If the medication was prescribed for the patient
Poison Control
The National Poison Control Center (1-800-222-1222) can be called from anywhere in the United States. This national hotline number will let you talk to experts in poisoning. They will give you further instructions.
This is a free and confidential service. All local poison control centers in the United States use this national number. You should call if you have any questions about poisoning or poison prevention. It does NOT need to be an emergency. You can call for any reason, 24 hours a day, 7 days a week.
Take the container with you to the hospital, if possible.
See: Poison control center - emergency number
What to Expect at the Emergency Room
The health care provider will measure and monitor the patient's vital signs, including temperature, pulse, breathing rate, and blood pressure. Symptoms will be treated as appropriate. The patient may receive:
- Activated charcoal
- Breathing support (artificial respiration)
- Intravenous (given through a vein) fluids
- Laxative
- Medication (antidote) to reverse the effects of the poison
- Tube through the mouth into the stomach to empty the stomach (gastric lavage)
Prognosis (Outlook)
How well a patient does depends on the amount of medication swallowed and how quickly treatment was received. The faster a patient gets medical help, the better the chance for recovery.
Tricyclic depressant overdoses are particularly toxic and difficult to treat. Multiple deaths have been reported with this type of overdose despite aggressive medical treatment.
Keep all medicines in child-proof containers and out of reach of children. Read all medicine labels and take only medicines that have been prescribed for you.
Mills KC. Tricyclic antidepressants. In: Tintinalli JE, Kelen GD, Stapczynski JS, Ma OJ, Cline DM, eds. Emergency Medicine: A Comprehensive Study Guide. 6th ed. New York, NY: McGraw-Hill; 2004:chap 158.
Levine M, Ruha A-M. Antidepressants. In: Marx, JA, ed. Rosen's Emergency Medicine: Concepts and Clinical Practice. 8th ed. Philadelphia, Pa: Saunders Elsevier; 2013:chap 151.
|Review Date: 10/12/2013
Reviewed By: Jacob L. Heller, MD, MHA, Emergency Medicine, Virginia Mason Medical Center, Seattle, Washington. Also reviewed by David Zieve, MD, MHA, Bethanne Black, and the A.D.A.M. Editorial team.
Further information
Always consult your healthcare provider to ensure the information displayed on this page applies to your personal circumstances.
© Copyright 1997- 2018 A.D.A.M., Inc.


text:
Here is a list of changes to make to your application so that it can take advantage of the new KStatusNotifierItem (KSNI) class, available since KDE 4.4.
* activated() becomes activateRequested(bool active, QPoint pos)
Icons can be passed as a QString or as a QPixmap. Note that both must go through D-Bus, so for performance reasons, pass icons by name whenever possible.
A KSNI tooltip is made of an icon, a title and a subtitle (which may contain some limited markup). This means you have to replace your call to setToolTip(QString) with calls to:
show() -> setStatus(KStatusNotifierItem::Active) hide() -> setStatus(KStatusNotifierItem::Passive)


text: Most firearms makers are privately held, but traders turned their backs on Springfield-based Smith & Wesson Holding Corp. and Sturm, Ruger & Co., of Southport, Conn., amid speculation there will be a new a ban on assault weapons following Friday's slaughter at a Newtown, Conn., school. Smith & Wesson has slid 9.3 percent since the massacre; Sturm Ruger, 7.8 percent. Still, Smith & Wesson's stock has nearly doubled this year, while Sturm Ruger's has gained 31.5 percent.


text:
|2013-01-18, 02:45
|Link #1463
The Comet has Come
Join Date: Feb 2008
Location: Republic of California
Age: 40
Here is a page for you translators out there. Something about a TV special?
Normally I would attempt to piece together what it is via even the rough Google tranlator, but since the entire page is just images of the text, I cannot copy &page the text.
|2013-01-18, 04:37
|Link #1464
Senior Member
Join Date: Dec 2006
I'm guessing it's a special along the same lines as the ones made for the previous chapters and that have been put as extras in the Blu-Rays.
If you want to Copy+Paste the text to Google or other translator, roughly the same text is in the Yamato Crew site.
|2013-01-19, 04:24
|Link #1469
Join Date: Aug 2012
I can not wait to see the chapter 4 episodes !
it would be great in the meantime to have the chance to see the 10 minutes preview with subtitles
I watched carefully the battle in the 10 minutes preview
unfortunately I can not upload captions
the gamilas part of the fleet attacking is approximately 15 / 20 ships with one meltoria leading the division cosisting mainly of destroyers
they launch a torpedoes salvo around 25 torpedoes and then launch the attack
from the debris we can see some cometine destroyers and cruisers are destroyed by the salvo
in the following scene we see the gamilas fleet as effective as we never saw before (possibly only in obliterating the dinguil fleet surrounding the Yamato in final Yamato)
the cometine destroyers and light cruisers (they seem approximately the same size of the destroyers with more turrets I counted 6 main turrets on the upper side and possibly 5 on the underside and possibly 2 missiles at the nose) in the following scenes a single destroyer launches just 8 missiles and destroys approximately 6/8 destroyers and cruisers (these missiles must have a huge splash damage)
maybe the cometine fleet was just a scouting fleet without heavy ships nevertheless it gets wiped out in no time by a small division of light gamilas ships
in the game the cometine ships are much more powerful than the gamilas ... now are on equal level or there is an advantage on the gamilas side
Last edited by enrico7113; 2013-01-19 at 05:41.
|2013-01-19, 11:43
|Link #1471
Senior Member
Join Date: Dec 2006
I downloaded the video in HQ from the official sources. I could upload it but would have to PM the adress as the last time i put something like that on open channel, they cancelled my youtube account so now i put them in private mode. It sucks but its what i have. OF course i don't have any subs for that but if someone has translated this, i can set the timings and upload the sub along with the video.
|2013-01-19, 11:53
|Link #1472
Join Date: Aug 2012
I downloaded it too but was not in HQ (I believe best quality was 360)
by the way none noticed a huge drop down in discipline and morale among the sunmarine crew ?
they seem to not having received new uniforms since the first year of kingdom of Desler
Last edited by enrico7113; 2013-01-19 at 12:56.
|2013-01-19, 13:14
|Link #1473
Senior Member
Join Date: Dec 2006
I didn't get it from youtube but from Bandai Channel where they have LQ, SQ and HQ (which is a 1500k encoding). Don't know where it stands in the xxxp scale but i'd say it's at least at 480p. I get the movie versions there too. They're around 9 bucks and totally worth it. Not only do you get to see the movie edit but you get to see it a couple of weeks before the BR gets to you. It may not have subs but its worth it any way. Then, when you see the subbed version, it's like a whole new experience.
|2013-01-20, 10:54
|Link #1474
Join Date: Aug 2008
How do you record videos from the Bandai Channel? I know you need a VPN but last time I spoke to someone he said it was a pain in the ass to get the direct stream. Btw. I don't suppose you'd be willing to upload the Bandai Channel rip somewhere?
Last edited by Vito; 2013-01-20 at 11:08.
|2013-01-22, 01:13
|Link #1475
Senior Member
Join Date: May 2009
Location: classified
Thank you for that link macdawson, it is appreciated.
I hope our sexy female Gamilas (or is it now Gamillas?) pilot survives. It would give the show a mature Star Trek feel to it, IMO.
But, if she does get killed, I hope it is a motivating factor that helps build the characters into realizing they're not just fighting some mindless alien enemy hell bent on galactic domination.
Either way, I look forward to the next episodes.
|2013-01-22, 02:10
|Link #1476
The Comet has Come
Join Date: Feb 2008
Location: Republic of California
Age: 40
Shooting first can be a big problem. Though I question the Gamilas entering the Solar System with multiple warships in a first contact situation.
And someone confirmed that the Yamato 2199 BD are "Region Free", thus any country (in theory) can buiy them. It should play anywhere, so that is sort of a boon for any English speaking country, or any group that makes subs for other languages based on the English subtitles (if they have problems tranlating the spoken Japanese).
|2013-01-22, 11:14
|Link #1477
Senior Member
Join Date: May 2009
Location: classified
Makes for excellent character building of Daisuke Shima since his father looks to be the one that fired on the Gamilas warships.
That's got to weigh heavy on his mind.
I've been saving for the DVD versions and have enough to buy the first three already.
When the show completes, assuming it stays a good as it is now, I will purchase the whole series at once.
Thank you for the region information BTW.
|2013-01-22, 12:14
|Link #1478
Senior Member
Join Date: Dec 2006
Spoiler for Capt. Shima:
Attention, i don't know if the DVD's are region free like the Blu-Rays but even if they are, they DON'T HAVE ENGLISH SUBTITLES. Only the Blu-Rays are subbed.
|2013-01-22, 12:23
|Link #1479
Senior Member
Join Date: May 2009
Location: classified
I shall adjust my anime buying list accordingly and purchase the Blue Ray discs instead.
|classic, remake, science fiction, space opera, yamato
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