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looks at the prices of commodities vis-à-vis a contracting economy and a galloping inflation rate.
This is not the best of times for Nigerians as the effect of the recession keeps escalating, thus pushing many further down the poverty line.
The National Bureau of Statistics (NBS) announced last Wednesday that the nation's economy had slid into recession following two-quarters of negative growth.
The recession did not come as a surprise to many people because quite a number of experts had foretold its imminence given the less than satisfactory performance of the economy.
The government had even said early in August that the economy was technically in recession. Therefore, the announcement by the NBS only made official what Nigerians had come to accept as a reality.
However, this recession is not the common type because usually recession is characterized by reduced prices as a result of low level of economic activities. The recession is a time of low productivity precipitated by the contraction of the economy.
To boost sales, companies reduce their prices, embark on promotional sales and deploy all sorts of strategies to woo customers. But the current recession is nothing like that; it is rather compounded by galloping inflation.
Hence, what is happening in the country is not a mere recession but what economists call stagflation.
Going by the NBS data released in July, the current inflation rate is 17.1 per cent, the highest in recent times.
Consequently, the negative effects of the recession have been far-reaching as the prices of many commodities have hit the rooftop.
Three primary culprits are responsible for the rising cost of commodities; they are the exchange rate volatility, the exclusion of importers of some items from access to the forex market as well as the increase in the pump price of petroleum products.
Being an import-dependent country, prices of commodities rise and fall with variations in the exchange rate of the dollar.
The victory of President Muhammadu Buhari at the presidential election of 2015, the expectation of the business community was that the government would liberalise the foreign exchange market so as to allow the actual value of the local currency to be determined by market forces.
This, they said became critical given the reduction of the country's reserves following the crash in the price of crude oil in the global market.
They believed that if this were done naira would find its value and investments would pour into the country.
But the government did not do that, rather, it deployed the nation's foreign reserves to defend the embattled currency. This put a gulf between the real value of the currency and its official value, thus forcing many foreign investors out of the country. It also pushed JP Morgan Chase, whose bond index is tracked by over $200billion funds, to delist Nigeria from its Emerging Market Bond Index.
Starting from January this year, the exit of foreign investors took a toll on the fate of the local currency as the value of naira started tumbling in an unprecedented manner.
By the time the government had a rethink and decided to tread the path of economic wisdom of allowing market forces to be the determinant of the exchange rate of naira to other currencies, the economy had almost become prostrate.
Naira had been so worsted by the dollar and other currencies that there was no immediate remedy for it. So, the bashing continued.
Some of the 41 items whose importers are excluded from accessing forex such as rice and palm oil products are stapled foods whose local production is grossly inadequate.
With importers having to source expensive dollars to bring them in, their prices naturally went up. Others items which are used in the local production of other products have to be sourced with expensive dollars, and this also means that the prices of those finished products have gone up.
The dollar scarcity, which scaled down manufacturing activities while forcing up prices of many commodities, played a significant role in the contraction of the economy in the first quarter, January to March.
It was while the economy was trying to resolve the crisis of the crash in the value of naira that the government announced the full deregulation of the downstream sector of the petroleum industry.
Since the country imports petroleum products from other countries, the deregulation of the sector pushed the price of petrol to N145 per liter from the erstwhile price of N87 per litre.
The resultant effect was instant; prices of many commodities went up just as the cost of transportation also skyrocketed.
The combination of these three factors has resulted in the further shrinking of the economy in the second quarter and the seemingly unprecedented rise in prices of commodities.
Even the NBS admitted that the increase in the pump price of petrol played a significant role in the spike in prices of commodities.
This explains why a bag of rice which was sold for N10,000 in January this year has gone up to N20,000 by the end of August.
It also accounts for the rise in the price of a gallon of vegetable oil, from N6,500 in January to N13,000 at the end of August.
A survey conducted by the Nigerian Tribune showed that while the leap in prices of commodities affected imported items the most, other commodities, including farm produce, have not been spared.
This is because, in Nigeria, prices of commodities are interrelated.
In his comment about the rising prices of commodities, President of the Manufacturers Association of Nigeria (MAN), Mr. Frank Jacobs, said "An inflation rate of 17.1 per cent, as reported by the National Bureau of Statistics, is severely harmful to the economy.
It is significantly responsible for the rolling contraction in Nigeria's output since the first quarter of 2016 when the economy grew by -0.36 per cent and in the second quarter by -2.06 per cent.
"Over the period mentioned above, the cost of raw materials and manufacturing inputs had risen while capacity utilization declined."
The MAN President added "the 41 items of raw materials that were excluded from the foreign exchange market by the CBN should be reviewed, especially, now that the country operates a flexible foreign exchange regime.''


text:
Your doctor will ask questions about diet or bowel
habits that may contribute to hemorrhoids. Things that may cause hemorrhoids
or make them worse include:
Medical conditions that make you prone to hemorrhoids include:
Last Revised:
March 16, 2012
Healthwise Staff
Medical Review:
Anne C. Poinier, MD - Internal Medicine & Kenneth Bark, MD - Surgery, Colon and Rectal
This information does not replace the advice of a doctor. Healthwise, Incorporated disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use. How this information was developed to help you make better health decisions.
To learn more visit Healthwise.org
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subset: commoncrawl


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Master of Liberal Arts Program Sets Course, Information Session Lineup
The Master of Liberal Arts program, which will begin offering courses at the Johns Hopkins University Montgomery County Campus in January, has announced a lineup of information sessions and informal drop-in sessions. Program directors also have determined which courses will be available at the Montgomery County Campus during the spring semester.
Nature and the American Imagination will be offered at the Montgomery County Campus in January. The other course will be Victorian British Women.
Nature and the American Imagination provides an interdisciplinary study of the American landscape and the role it has played in shaping American identity. In Victorian British Women, students will analyze the emergence of the Victorian stereotype of middle- and upper-class women and compare that stereotype to the reality of individual case studies. Two online courses will also be available to Montgomery County Campus students: What is History and Religions of the Emerging World.
The master of liberal arts is a part-time degree program, with students generally taking about three years to complete the coursework. They have up to five years to finish the curriculum.
The Master of Liberal Arts degree isn't just for former English majors. Those who focus on science, medicine, technology, computers or engineering can benefit from a Master of Liberal Arts degree as well: students from all backgrounds have the opportunity to develop critical thinking skills and writing skills.
Classes will be held in the evenings and on weekends, said D. Melissa Hilbish, director of the Center for Liberal Arts and associate program chair of the Master of Liberal Arts Program.
Students are required to take 10 courses. Exploring the Liberal Arts is a core course required of all students. The class provides an introduction to the breadth and scope of the liberal arts. After that, students are free to choose from a variety of classes focusing on film, religion, literature, history, photography, political science, science and other areas.
Students can take classes in on-site, on-line and via video conference, Hilbish said.
Information sessions:
10 a.m. – 12 p.m. Saturday, Sept.20
6:15-7:30 p.m. Wednesday, Nov. 12
Informal drop-in sessions:
4-7 p.m. Tuesday, Oct. 7
4-7 p.m. Wednesday, Oct. 15
4-7 p.m. Tuesday, Oct. 21
All information sessions and informal drop-in sessions will be held at the Montgomery County Campus, Gilchrist Hall, 9601 Medical Center Drive in Rockville. Attendees will have the opportunity to meet the program directors and ask questions about the MLA degree.


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when i started posting about memorials (armbands and patches) worn by teams to honor players and other people, i also considered starting a series on patches worn by the dodgers. the first special patch i recall seeing on the dodger jerseys was the jim gilliam memorial patch, but i also remember noticing the 1980 all-star game patch the dodgers wore, as well as the 1981 city of los angeles bicentennial patch. anyway, if i were to do a sort of dodger patch series, this one might be my favorite.
that's the patch (a replica of it, actually) that the dodgers wore in 2012 for the 50th anniversary of dodger stadium. it's featured on a 2013 topps manufactured patch card of adrian gonzalez, who wore the patch for about a month after he was acquired by the dodgers.
before i get started on the idea of manufactured patches, here's a manupatch card from 2010 topps that doesn't feature a dodger, but rather a memorial patch worn by the marlins in their inaugural season
in honor of their team president carl barger. i don't know of any other memorial patches reproduced as manupatches by the card companies, but i'd be interested to find out if any others exist.
the idea of manufactured or commemorative patches first came to my attention in the early 2000's with upper deck. i was on the lookout for patch cards featuring dodger blue or red, and began to see cards that were touted as patch cards, but not of the game used variety. although these were not the first i encountered, here are a couple of good examples from 2004 upper deck sweet spot classic - leo durocher
i briefly considered collecting the 2012 topps commemorative patch set that focused on retired numbers, but settled for the three dodgers in the set - jackie robinson (42), sandy koufax (32), and tommy lasorda (2)
that set was, to me, an improvement on the 2011 topps commemorative patch effort that included putting modern players, such as matt kemp, on cards with old logos
before all that, however, there were these sorts of patches that were part of upper deck's 2003 sweet spot classic release, in addition to the game used variety. steve garvey was featured as both a dodger
in addition to the hat logos, garvey had two more manupatches in the set - this 1977 themed patch
neither one is close to the official mlb world series logo from either year, although anything would be an improvement on the 1977 logo.
the 1981 world series patch upper deck created was first seen in the 2002 upper deck world series heroes set as part of the patch collection inserts - some of which were signed, like this one featuring the autograph of steven patrick garvey, who happened to turn 66 years old yesterday.


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Undertoad Saturday Apr 29 12:06 PM
4/29/2006: Flaming suicide in Zagreb
xoxoxoBruce Saturday Apr 29 01:18 PM
Flaming idiot.
zippyt Saturday Apr 29 01:58 PM
And I bet it HURT !!!!
gaidin Saturday Apr 29 04:21 PM
burnin to death has got to be one of the most painful deaths
Jordon Saturday Apr 29 04:45 PM
Trilby Saturday Apr 29 04:59 PM
What an asshole. He had six kids to take care of--JERK.
gaidin Saturday Apr 29 05:25 PM
honestly if you wanna make your point by killing yourself you need to rethink your strategy
Stress Puppy Saturday Apr 29 05:46 PM
I've read in several places that burning do death isn't actually all that painful, since in a nasty fire your nerves are going to be one of the first things to go. Take that with as many grains of salt as you wish.
Kagen4o4 Saturday Apr 29 09:39 PM
it looks like the pressure in the car has nearly blown out the back door. it seems slightly ajar up the top.
Pancake Man Sunday Apr 30 01:35 PM
Wouldn't be so bad, except he ate Taco Bell just an hour before.
tippy Monday May 1 05:56 AM
of all the ways to go, if you ahve petorl and a car surely exhaust fules would be better, but I'm presuming he wanted to make a point.
Ridgeplate Monday May 1 11:33 AM
I wonder if we could get a link to the news site that posted this. I mean, it *looks* real, but I cannot help but be a bit suspicious of it. I have found evidence of the event, but I'm unable to track the photo down. I won't call go so far as to call shenanigans, but it echo's of photoshop.
mrnoodle Monday May 1 05:55 PM
here's a link
capnhowdy Monday May 1 08:40 PM
If he'd lived they would have prosecuted him.
xoxoxoBruce Monday May 1 09:02 PM
That picture came from the Washington Post photo section for April 28th.
taraneko Tuesday May 2 06:38 AM
It's not Photoshop'ed, Ridgeplate!
Ridgeplate Tuesday May 2 10:16 AM
Outstanding. Thanks for the confirmation, all.
Pi Tuesday May 2 12:19 PM
xoxoxoBruce Tuesday May 2 04:33 PM
Welcome to the Cellar, taraneko.


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An official website of the European Union. See all European Institutions
European Union External Action
The European Union (EU) and the countries of Latin America and the Caribbean (LAC) have developed one of the
most politically and economically integrated relationships and have concluded 27 association, trade or political and
cooperation agreements. Together we want to strengthen the political partnership for an effective, rules-based
multilateral order, building global consensus around important themes such as Human Rights, Climate and Sustainable
Click on the image below to read the full factsheet on EU-LAC relations
Contact the Press Team of the European External Action Service


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Outstanding Event
In May 2017, we were lucky to have been awarded Outstanding Event for "SWEekend at the U". We recieved this award at the TinMan Award Ceremony.
S2s volunteer challenge
In October 2016, we recieved the award for having the most volunteering events for the SWE Schlumberger S2S competition, where SWE sections members and partners give back to their communities by volunteering time to community organizations and turn ideas into positive real-world impact.
Outstanding Collegiate Section
At the WE16 conference on October 29th 2016, we recieved the Outstanding Collegiate Section award, and our president, Elia Zanella recieved the Outstanding Collegiate Member award as well. Morgan, Samantha, and Hannah also won the WE16 ExxonMobil SME Bowl.


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Court Admissions
Arizona State Court
Arizona Court of Appeals
Federal Court
Ninth District Court of Appeals
Presentation and Publications
Arizona State Bar Association
Maricopa County Bar Association
National Business Institute
Lorman Education Services
Private / In-house presentations
Contributing author of the 2011 update of the Arizona Construction Law Manual
Brigham Young University 1983: BA
University of the Pacific, McGeorge School of Law 1987: JD
Real Estate Litigation
- Action to Enjoin Trustee Sale
- Quiet Title
- Prescriptive Easement
- Adverse Possession
- Diminution in Value
- Boundary & Survey
- Entitlement
- Encroachments
- Equitable Subrogation & Replacement
Insurance Coverage
- Coverage Investigation
- Reservation of Rights
- Morris and Damron Evaluation
- Bad faith Defense
- Morris Controversy
- Declaratory Judgment
- Diminution in Value Determination
Richard Cobb worked his way through school as a framer on a construction crew, and as a salesman in a material supply house. Since that time he has represented general contractors, subcontractors, material suppliers, equipment lessors, developers, and property owners. His work has ranged from construction defect disputes to mechanic lien foreclosures and priority disputes to intellectual property rights involving house design.
The hallmark of Richard Cobb's mediation practice is preparation. In addition to reading mediation memorandums, he meets with each attorney individually to discuss factual and legal issues. He researches legal issues before the mediation. Even though the key terms are undecided, a rough draft settlement agreement is prepared and circulated to all counsel before the mediation.
At the formal mediation, the parties are rarely in the same room together. Opening statements by attorneys to opposing parties are rarely provided. Lunch is provided. Bracketing, and repeated back and forth offers are discouraged. In some instances, there are too many parties to have a meaningful discussion with each litigant in a single day. In these cases, Mr. Cobb meets with each counsel and client separately. Mr. Cobb encourages the participants to sign a Rule 80d settlement agreement at the conclusion of successful mediations.
Administrative Agency
In 1988 Richard Cobb cross examined his first witness in an administrative agency hearing before the Registrar of Contractors. Since that first appearance, he has continued to represent licensed businesses and individuals in administrative agency matters. His work still includes the defense of license holders and has expanded to include requests for formal opinions on licensure, appeals in the form of petitions for review of administrative agency rulings, and consultation with regulated businesses and individuals.


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No Opioid Painkillers Prescribed to Prince/
By Pat Anson, Editor
Nearly a year after pop superstar Prince was found dead of an accidental drug overdose in his Minnesota home, we still don't know where he obtained the fentanyl that killed him.
Court documents released today show that none of the opioid painkillers found in Prince's home were prescribed to him. At least one opioid prescription bottle bore the name of Kirk Johnson, Prince's former drummer and a longtime friend. Other opioid medications were found stashed throughout Prince's Paisley Park home near Minneapolis.
"The controlled substances were not contained in typical prescription pill bottles, but rather, were stored in various other containers such as vitamin bottles. Bottles containing these controlled substances were located in multiple areas of the complex, including Prince's Bedroom," a search warrant said.
"Investigators have been searching for the source of the controlled substances found in Prince's residence. Through this investigation, interviews with those who were at Paisley Park the morning Prince was found deceased have provided inconsistent and, at times, contradictory statements."
Assistants to the entertainer told investigators that "Prince recently had a history of going through withdrawals" and they had arranged a meeting for him to meet with an addiction treatment specialist.
Prince was found dead in an elevator at his home on April 21, 2016 and speculation immediately focused on a possible opioid overdose. A medical examiner later reported that Prince died from an accidental overdose of fentanyl, but did not say where the drug came from.
Prince did not have a prescription for fentanyl, a potent synthetic opioid that is used in skin patches and lozenges to treat severe pain. Illicit fentanyl is widely sold on the black market, where it is often mixed with heroin or used to make counterfeit painkillers.
Prince died less than a week after his private plane made an emergency landing in Moline, Illinois, where paramedics reportedly treated him for an opioid overdose.
The Minneapolis Star Tribune reported last year that Prince weighed only 112 pounds at the time of his death and had so much fentanyl in his system that it would have killed anyone.
According to the newspaper, some of the pills found in Prince's home were labeled as "Watson 853" – a stamp used to identify generic pills containing hydrocodone and acetaminophen that are sold under the brand name Lortab. When one of those pills was tested, it was found to contain fentanyl and lidocaine.
A week before he died, Dr. Michael Schulenberg wrote an oxycodone prescription for Prince under Johnson's name to protect the singer's privacy, according to investigators. But in a statement released today, Schulenberg's attorney denied prescribing opioids to Johnson or "any other person with the intent that they would be given to Prince."
The Star Tribune reported that investigators turned over the results of their investigation to the U.S. attorney's office earlier this year. No arrests have been made and no charges have been filed.


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Oral Surgery
At Complete Family Dental, we undertake a select range of oral surgery at our Quakers Hill clinic. Whether your procedure is done on site here or in a hospital will depend on the extent of damage or the scope of what needs to be done. This is a matter of judgement, experience and commonsense. There is always the right instrument for the job. It requires more than adequate analgesia and possibly sedation. We normally take less than 15 minutes and 30 minutes at maximum.
We undertake general oral surgery procedures including but not limited to:
- General extractions: teeth which need to be removed for oral health and hygiene purposes.
- Wisdom teeth removal: single wisdom teeth which are impacted and need to be removed
- Broken roots: minor treatment of root fractures, to prevent further damage
- Cysts: removal of benign cysts within the mouth
- Frenectomies: removal of frenulum (middle of upper lip or under tongue) for proper fit of dentures, or to help treat other issues such as gum recession, severe gingivitis and ankyloglossia
- Apicoectomies: also known as retrograde root canal treatment
For single teeth extractions we aim to have you in the chair no longer than 30 minutes.
Other surgeries, including multiple wisdom teeth, require I.V sedation or general analgesia in hospital. Depending on the type of surgery you require, you may or may not be covered by your insurer.
Please schedule an appointment for us to asses you, call 02 9626 2033


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On 22nd May, Indian Premier League, 2018 Qualifier 1 T20 match play between Sunrisers Hyderabad vs Chennai Super Kings at Wankhede Stadium, Mumbai. At cricketbettingbadshah.com we will provide Sunrisers Hyderabad vs Chennai Super Kings Qualifier 1 IPL Betting Tips and IPL Match Report. Visit continue here to get cricket betting tips, ipl satta tips in hindi, ipl betting tips and cricket session tips.
Sunrisers Hyderabad vs Chennai Super Kings Qualifier 1 IPL Betting Tips
( Join our paid IPL betting tips service for sure shot profit )( We are 100% Genuine website in cricket betting tips and have more than 5 years of experience )
Ground Report:
Venue: Wankhede Stadium, Mumbai
Total 64 T20 IPL matches
Average 1st Inns scores 165
Average 2nd Inns scores 152
Matches won batting first 33
Matches won bowling first 31
Highest score chased 195/5 (14.4 Ov) by MI vs RR
Lowest score defended 135/6 (20 Ov) by DC vs MI
Highest total recorded 235/1 (20 Ov) by RCB vs MI
Lowest total recorded 67/10 (15.2 Ov) by KKR vs MI
Sunrisers Hyderabad vs Chennai Super Kings Squads:
Sunrisers Hyderabad Squad: Bhuvneshwar Kumar, Shikhar Dhawan, Shakib Al Hasan, Kane Williamson(c), Manish Pandey, Carlos Brathwaite, Yusuf Pathan, Wriddhiman Saha, Rashid Khan, Ricky Bhui, Deepak Hooda, Siddarth Kaul, T Natarajan, Mohammad Nabi, Basil Thampi, K Khaleel Ahmed, Sandeep Sharma, Sachin Baby, Chris Jordan, Billy Stanlake, Tanmay Agarwal, Shreevats Goswami, Bipul Sharma, Mehdi Hasan, Alex Hales
Chennai Super Kings Squad : MS Dhoni(c), Suresh Raina, Ravindra Jadeja, Faf du Plessis, Harbhajan Singh, Dwayne Bravo, Shane Watson, Ambati Rayudu, Deepak Chahar, KM Asif, Kanishk Seth, Lungi Ngidi, Dhruv Shorey, Murali Vijay, Sam Billings, Mark Wood, Kshitiz Sharma, Monu Kumar, Chaitanya Bishnoi, Imran Tahir, Karn Sharma, Shardul Thakur, N Jagadeesan, David Willey
For more free cricket betting tips and SRH vs CSK Betting Tips, you can follow our social pages.
Facebook, Twitter, Google Plus, Flickr and Pinterest
Share SRH vs CSK Match Prediction and Betting Tips Free with your friends.


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About Michelle R. Generaux(949) 794-4000
Michelle received her undergraduate degree from the University of Notre Dame (BA, 1993), and her law degree from William Mitchell College of Law (JD, Cum Laude 1996). She began her law career in Minnesota (1996), and has been practicing law in California since 2001.
Her practice is focused on the representation of small businesses, with an emphasis on design professional firms. She has extensive experience in entity selection and formation, buy-sell/shareholder agreements, contract drafting and negotiation, ownership transitions and mergers & acquisitions, along with disputes arising out of business deal related matters. She also practices in the areas of estate planning, and probate and trust administration.
She is an active member of the American and Orange County Bar Associations. She is a current member of the board of directors and the former president of the Notre Dame Club of Orange County, and also acts as the Executive Director for the club's ND2OC community service endowment. She founded and actively participates in the Notre Dame Professionals of Orange County.


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Evans, Novak, Hunt & Shields
Jump to navigation Jump to search
Evans, Novak, Hunt & Shields is an interview/political discussion show on CNN for approximately 20 years[when?] hosted by Rowland Evans and Robert Novak. The weekly program featured four rotating panelists, including Evans, Novak, Al Hunt and Mark Shields.
Originally, the program was called Evans and Novak. After Evans retired, he stopped appearing on the show regularly and was largely replaced by liberal columnists Shields and Hunt, who alternated weekly in co-hosting with Novak, who appeared every week. The addition of Shields and Hunt resulted in the change in title. Evans still appeared occasionally, however, until his 2001 death. The show was cancelled in November 2002.[1]
|This article about a non-fiction television series is a stub. You can help Wikipedia by expanding it.


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Audio Briefs
Elan To Broaden Base
Lexington, Ken.— Elan is broadening its base with the late-second-quarter launch of a six-source, six-zone distributed-audio system retailing for a suggested $2,900, its lowest priced system to date. The System 6 will join higher priced Elan custom-install systems that distribute both audio and video. Like its higher priced companions, the system can be integrated into System 6 can also be mated with another Elan product to turn a distributed-audio system into a telecom/door-answering system. Elan heralds the system as offering more sources, more zones and more power than any other basic multi-zone system on the market. The system includes the Integrated Multi-Zone Controller, featuring six-source six-zone capability and 12x40-watt amplifier. It also comes with the S050 Simplified Keypad, a single-gang Decora-style keypad featuring IR receiver and large buttons to select sources, control volume, and turn the system on and off. They also feature Do-Not-Disturb buttons. Keypads are available in White, Ivory and Almond. The next closest Elan system in price is the System Z distributed-A/V system, which features six zones but will be upgraded to double that.
Everything Goes Over CAT-5
Research Triangle Park, N.C. — Home Director is using ITT Industries technology to offer a home-network system that distributes audio, video, PC data, telephone service, security service, and control signals throughout the house over a shared Cat-5 cable. The technology, called DiLAN, is available in a new structured wiring system built around Home Director's Network Connection Center, a centrally located control cabinet that connects to RJ-45 outlets in multiple rooms. The system uses flexible and inexpensive CAT-5 cable, making it unnecessary to run multiple types of cable, such as coaxial video cable, speaker wires and phone wiring. It also gives consumers the flexibility to change the use of a room without having to rewire it, the company said. Via an outboard adapter, each household product could be connected to a single jack via an outboard adapter.
Rotel Rolls A Pair
North Reading, Mass. — Rotel plans spring shipments of a 7.2-channel preamp processor that can be mated with a new eight-channel amp, which also operates as a multroom amp. The $1,499-suggested RSP-1066 surround processor/ preamp decodes almost everything: Dolby Digital and DTS 5.1, Dolby Digital EX, DTS ES Discrete and Matrix, Dolby Pro Logic II, DTS Neo:6, HDCD, and MP3. On top of that, it provides proprietary surround programs for movies and music. It features eight audio outputs for 7.1-channel systems, 12-volt triggers, wideband component-video switching, independent remote-zone output, and RS-232 port for future software upgrades or connection to distributed-audio systems. The RMB-1048 amp, due in spring at a suggested $799, is rated at 8x 40 watts into 8 ohms (65 watts into 4 ohms). Buffered daisy-chained outputs permit the connection of additional 1048 amps to send audio to additional rooms or zones.
GPX Delivers MP3, HTiB
St. Louis— GPX has begun shipping products as part of its continuing effort to expand into new categories and deliver value at step-up price points, not just at promotional price points. The products include the company's first MP3-CD boombox and DVD-equipped HTiB systems. The C988 boombox, due in July at a suggested $69.97, features cassette recorder and playback of MP3-encoded CD-R discs. It will join the already available headphone MP-3 CD player at a suggested $69.97. It plays CD-R/RW disc, 45-second electronic shock protections for CDs, and 120-second shock protection for MP3 CDs. Three DVD-equipped HTiBs are available at suggested retails of $229.97 to $299.97. All lack AM/FM tuners but feature Dolby Digital 5.1 decoding, playback of MP3-encoded CD-R/RW discs, and powered subwoofer. The opening-price model delivers 64 watts total RMS power at 10% THD. The two $299 top-end models, differentiated by color (silver and black), boost output to 113 watts at 10% THD.


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I love snuggling up with a book at Christmas time. Gathering by a warm fire and/or twinkling lights, sipping something hot and getting lost in a cozy wintery story.
Her are some books I really enjoy reading at Christmas time:
(Click the pictures and/or titles for more info.)
Miracle on 34th Street
You have probably all seen the movie, but it does not compare to the book (as usual.) I like the movie and actually the book is a nice extension of it. I was fortunate enough to have read it after the movie, which I think helps. It is a delightful book. The character of Kris Kringle is so enjoyable and jolly, you can't help but love it. The story is wholesome and teaches us so many important lessons. If you have not read it, I urge you to do so, I think you will be happy you did.
Book Bean: Eggnog Mocha
Your basic mocha but made with 1/3 parts eggnog 2/3 part milk (or to taste if like it extra sweet.) I also only use about half the amount of normal chocolate.
How the Grinch Stole Christmas
The wonderful classic story by Dr. Seuss. He is so brilliant in his creation of such a horrendously likable creature. We love and loathe the Grinch. Which is why the story is so compelling, and why the ending is so fulfilling. The Grinch has become iconic, he is like Scrooge a symbol to be used for those less keen on Christmas spirit.
Book Bean: Nutcrackerccino
A cappuccino sprinkled and swirled with nutmeg.
A Christmas Carol
Speaking of scrooge. This book has to be the most timeless Christmas story of ever told. Everyone one knows the tale, and it has been made in to countless shows and movies. The book is fantastic and I wish more people actually took the time to read it. A Christmas Carol is a hauntingly beautiful book.
Book Bean: Cinnamint Tea
Mint tea with a dash of cream sprinkled with cinnamon and/or a cinnamon stick.
Rudolph The Red -Nose Reindeer
Oh the wonderful story of Rudolph. I love this story. I love the idea of a character being different and then overcoming the struggles and pain that can come from it. I got my anniversary copy of this book at a black-Friday door buster, back when it was still a sane thing to do. This is a great story and the book is lovely.
Book Bean: North Pole Cocoa
Rich hot chocolate with marshmallows and candy canes for stir sticks.
The Lion The Witch and The Wardrobe
I hope you are not sick of me mentioning this book yet. How could I not at Christmas time! This is one of my favorite books to read in general, but I especially love to read it at Christmas. It is a wonderful winterland story, that all ages will enjoy. I think it is a great book to read aloud in a group.
Book Bean: Spiced Orange Chai
Your favorite Chai with a dollop of marmalade and a sprinkle of spice if you dare (mix while very hot.) You can substitute marmalade for orange liqueur.
Twas The night Before Christmas
A wonderful classic poem that has been made into a beautiful book. The poem alone is great, but adding such detailed and amazing illustrations makes it so special. The art work is stunning.
Book Bean: Gingerbread Steamer
Add hot milk and crushed gingerbread crumbs to blender, blend until frothy. Sprinkle with nutmeg and/or cinnamon.
What books do you like to cozy up
with for Christmas?
Fun Fact: According to the Guinness world records, the tallest Christmas tree ever cut was a 221-foot Douglas fir that was displayed in 1950 at the Northgate Shopping Center in Seattle, Washington.


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Always promise silver and deliver gold.
Create an opportunity & an atmosphere where our people have incentive and desire to contribute their own creative thoughts and ideas.
Focus our time, energy, selling and marketing solely around products and services that we can do as good as, or better than any other company.
Pursue the most efficient and valuable means of doing business. Either change or discard those which are not effective.
To honor our Lord and Savior Jesus Christ, and all who we do business with, by operating with integrity in everything we corporately say and do.


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All Empty Nesters and/or Retired folks are invited, whether single or a couple. ENAR is a lively group that gets together several times through out the year for camaraderie. If you meet the criteria of being an empty nester or retired, you're welcome to join us!
The ENARs get together throughout the year for fun socializing events, including a white elephant Christmas party, picnics, hiking, Superbowl parties, and more. People take turns hosting an event and activity.
This is our time in life!


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Upland Park Townhomes
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Right out the back door of the homes at… More Details Check Availability$840.00 Starting Rents
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From being the strange kid at school often seen with a sketchbook and a pencil in his pocket, inspired by Nina Turtles, Saber Riders and video games—to being a grownup exploring nebulous stories and scenarios. Was Timo Lenzen born to become an illustrator?Read More
Every building, in a certain moment in time, has something special to express, says Bucharest based photographer Bogdan Anghel, and he want to be there to capture it with his 35mm and translate it to the viewer in his very own way.Read More
In her series Infra Realism, photographer Kate Ballis transformed her artistic muse, Palm Springs, California, into something more than a desert town, and it gave her a window into a completely new world. "Perhaps, this series is a way of finally attaining the dreamland we were sold in the 80s."Read More
South-London based Kelly Anna is celebrated across the globe for her bold and colourful illustrations. "The figures are often a portrayal of how I see women. God like, very strong mentally and physically." PREACH!Read More


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Cumberland split a women's/men's double header against Salem Community College with the women pulling out a close 73-71 victory and the men falling in overtime 86-83. In the Women's game, Artaeja Loatman piled up 22 points and 16 rebounds and sophomore Kyra Lunsford poured in 21 points of her own.
In the second game, Cumberland rallied from a 8 point deficit at halftime early in the 2nd half and went blow for blow with Division II Salem throughout regulation. With a chance to win it, Cumberland threw away a pass that led to an intentional foul. Salem missed both free throws and then missed a chance to win, sending the game into overtime. Down 3 in OT, Hikeem Pruitt missed a layup, forcing Cumberland to foul. After a missed free throw attempt by Salem, a last three point attempt went off the side of the rim, and the Dukes fell 86-83. Zeke Shockley led all scored with 29 points.
The Dukes will host Passaic County Community College in home double header this Thursday January 16th. The women will play at 5pm and the men at 7pm.


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Slate Snapback
$ 28.95
Slate Snapback
Absolution Apparel Co.
The "Outline" Snapback cap features 5 panels, a classic large "Absolution Apparel" logo in a 3D puff black embroidery across the front and a snap back closure with a flat embroidery as well on the front outlining the black logo on front and the back with the brands name. One size fits most. Also available in other colors as well. Pick up this snapback today


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Sunday, December 26, 2010
Red Velvet Cake for Christmas
It's a family tradition in our house to have Red Velvet Cake on Christmas Day. This year it was my turn to make the cake. It came out well, although my efforts at decorating went a bit awry. There were supposed to be flames on the top of the cake, but it looks more like Psychedelic Mardi Gras than Christmas. Still, it tasted great, and that's more important than how the cake looks. Enjoy the holiday season!
2 comments:
- anna said...
I definitely think they look like flames :). It's a gorgeous cake and I hope you and your family had a lovely day.
- December 26, 2010 at 2:48 PM
- Glocal Girl said...
It's the thought that counts ;-)
Hope your holidays were merry and bright!
- December 27, 2010 at 2:38 AM
Subscribe to: Post Comments (Atom)


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Surreal Photography by Robert and Shana ParkeHarrison
Robert and Shana ParkeHarrison are a husband and wife team whose photographic tableaus took the art world by storm. They began collaborating on photographs shortly after graduate school, when they began constructing and choreographing scenarios about mans affect on the landscape. Their work focuses on the relationship between humans and the environment—an idea that has only recently come to popularity with movements like the Go Green initiative and concepts like the carbon footprint. Creating a genre unique within the photo world, the ParkeHarrisons construct fantasies in the guise of environmental performances. Their multi-media approach, includes painting, sculpture and performance art. The final product, sometimes digital, appears to be made with historic photographic processes, making the future look alternately dreamlike and old, which combined with the construction of absurd cobbled-together machines implies a partial loss of technology, adding one more loss to the mix. For more than twenty years, they have explored this theme, showing us the power of nature, and the effect our actions have on it.
We create works in response to the ever-bleakening relationship linking humans, technology, and nature. These works feature an ambiguous narrative that offers insight into the dilemma posed by science and technology's failed promise to fix our problems, provide explanations, and furnish certainty pertaining to the human condition. Strange scenes of hybridizing forces, swarming elements, and bleeding overabundance portray Nature unleashed by technology and the human hand.
– Robert and Shana ParkeHarrison


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Brian Plautz (M.Ed. '98 Couns Ed) was selected Counselor of the Month for the state of Colorado in November 2014, upon being nominated by a teacher and his students. "The Counselor of the Month award program is a partnership between the Colorado Council and the Colorado Department of Higher Education and seeks to identify and recognize high achieving Colorado high school counselors. Each month the nominations are compiled and sent to the Counselor of the Month committee for tallying." (http://www.coloradocouncil.org/counselor-of-the-year)
Brian Plautz's Curry Memory
"Wandering the long trails around the Lawn, road tripping to Mardi Gras, and jamming with Curry friends way past socially acceptable hours."


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Instead of red roses, the glowing fires of hell descended from the heavens into the middle of the old, medieval city of Dresden, Germany after 10 p.m. on the night of St. Valentine's Day in 1945. Within hours, the elegance and 2,000-year history of Germanic tribes and the best examples of Baroque style architecture in Europe were burned to the ground by bombs from British aircraft.
With the war almost over and the Russian forces within 50 miles of the city, stories abound as to why Dresden was bombed at all. Since Dresden was still intact so close to the end of the war, some say that Churchill did it to give the English people closure for all the bombs the Germans dropped on London. Others claim that it was still a strategic target that saved Russian soldiers from a house to house battle in Dresden, but in truth, we will never know why this cultural work of art was destroyed.
To make things worse, after World War II Dresden became a major part of the Russian-dominated German Democratic Republic (East Germany). This puppet government held back free trade, allowed no religion, and kept the people in bondage for more than 40 years. Instead of reconstructing the Altstadt (Old Town) and the famous Frauenkirche (Church of Our Lady), the totalitarian government chose to build cheap concrete (socialist modern) buildings and even destroyed the remains of many historic structures.
During the time when Vladimir Putin was the KGB (Secret Service) chief in Dresden, civil disobedience began spreading throughout the area, and within a couple of years, Germany was reunified. This brought tremendous changes to Dresden, including reconstruction of the Frauenkirche as a symbol of reconciliation between East and West Germany.
Even before the original Frauenkirche was finished in 1743, it became famous in 1736 when Johann Sebatstian Bach gave a recital with the church organ in December of that year. After completion, the unique dome was similar to Michelangelo's dome at St. Peter's Basillica in Rome and stood 96 meters above the Old Town. It became known to the Germans as Die Steinerne Glocke (The Stone Bell), and could be seen from vantage points throughout the Elbe River Valley.
The Frauenkirchein NeumarThe Ceiling Inside the Fra…Using primarily privately raised funds, the restoration of the Frauenkirche was completed in 2005, and is today a beautiful reminder of the resilience of the people of Dresden. This historic church is the centerpiece of Neumarkt Square, which is a part of the urban renewal that brought the Old Town back to life.
Another important part of restoring Dresden was the connection over the Elbe River from the Old Town to the New Town. The bridge known as the Augustusbrucke was first constructed in 1727 and later reconstructed in 1907. It is still a picturesque part of the Dresden community, especially when almost 200-year-old paddlewheelers are seen on the river.


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Alongside our professional Mobile DJs, Entertainers and Jukebox Hire Services, Ultima Music is proud to present to you a state-of-the-art Mobile Photo Booth Service! Complete with props and lighting, you can't go wrong when booking a Photo booth with Ultima Music. Just like our DJs, our Photo Booths are perfect for any event under the sun – whether it be for a birthday, karaoke night, wedding or corporate gathering. From the time you enquire to use our premium Photo booth service to the day of your event, Ultima Music will guide you 110% of the way to ensure that everything runs smoothly – so yourself and your guests can have a stress-free time!
Here at Ultima, we take pride in offering our client's nothing but the best when it comes to music and entertainment. Our Photo Booths are unique, stylish and reliable – producing premium quality photos in an instant! Complete with the photo booth, a trained professional will also be with you – guiding yourself and your guests to taking the best photos possible. We supply all the props necessary to take your event to the next level – googly glasses, hats, masks, signs – you name it! If you're also requiring music entertainment for your function, why not hire one of our professional mobile DJs! When combining the two services together, you will receive discounts that even your guests will be excited about! Hire one of our fancy Photo Booths today – you won't be disappointed!
Ultima Music takes pride in offering a top-quality service that clients can rely on – from delivery and set up to guided assistance and use. Our fully-trained staff aim to ensure that your guests as well as yourself are left completely satisfied and ecstatic when using our Mobile Photo booth Hire Services. Never will you feel out of control – here at Ultima, we include you in all our planning procedures and processes, keeping you informed every step of the way! Our state-of-the-art lighting and visual equipment is second to none, letting us capture those important memories you will be sure to cherish for a lifetime.
All equipment used to build and maintain our mobile Photo booths are of the highest quality – ensuring clients receive great value for money. We have a range of Photo booth packages catered to suit our client's needs – whether it be for a birthday, corporate function, wedding or even school social. Please do not hesitate to enquire within as one of our friendly and professional staff would love to assist you in any way possible! All props along with the Photo booth are provided – leaving you stress-free knowing that all is provided and you are certainly looked after by us here at Ultima Music.
Booking a premium Photo booth for your special occasion is as simple as 1…2…3…! Feel free to be in contact with us through email or phone and one of our trained, professionals will tend to your needs! Receive a quote from us today – fantastic service at an affordable price! Free unlimited phone and email consultations before your event to answer any queries you may have in relation to our services and also organisation of our services to your requirements. On arrival your desired Photo booth and trained professional will know exactly what to do, nothing is left to chance. With just a few clicks you can book an Ultima Music Mobile Photo booth and professional assistant and get excited for your night ahead! Get your free, catered quote today!
Ultima Music is proudly associated with venues such as those with the Melbourne Venue Company, Carlton Brewhouse & Berth.


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Porcelain Onlays & Fillings
Great Smiles are our specialty! Your smile makeover will be easy, comfortable and completed in a short time. Why wait for a beautiful smile? Lowcountry Dental Associates offers cosmetic bonding, whitening, veneers, onlays, and invisible braces.
Porcelain Onlays & Fillings
Porcelain Onlays and fillings are a cosmetic enhancement to your smile. Onlays can repair cracked or chipped teeth or replace silver fillings The porcelain is color-matched to your natural enamel color, so that it blends in with your other teeth.
Onlays add strength to your teeth as well as enhance your beautiful smile!


text: Tooth decay is essentially what happens when you have a cavity. Many people are surprised to learn that it can spread from one tooth to another, as well as from one person to another. This is why it is essential to clean your teeth daily, both through brushing and flossing, and to visit the dentist regularly. Keeping your teeth clean can keep your whole mouth and your body healthy.


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As we kickoff 2018, Nick F. Nelson shares an engaging and powerful topic with the Moxye audience to help you reset: "Why Don't You Like Me?"
In the meantime, if you missed the previous episodes of BRANDPRENUER on Moxye click on the related video links below.
Happy New Year!
EPISODE (3) SYNOPSIS: When we post content on social media, we want "likes." Today in the world of social, "likes" are a symbol of acceptance and for some even popularity. It's confirmation that you and what you have to say matters. This week on the BRANDPRENUER I discuss common mistakes people make when seeking "likes" online and when trying to be in real life, offline.
Nick F. Nelson is a Brand Strategist, Creative Executive and the Visionary of the highly acclaimed web series BRANDPRENUER is now Syndicated on Moxye.
"I help brands, all kinds of brands get seen! I also work with professional and entrepreneurs like you to achieve the same goal. This channel is NOT BUSINESS AS USUAL. Join me as we explore various topics to help you promote your business and yourself," Nick F. Nelson.
Related Video: http://www.mediamoxye.com/6306-2/
EPISODE (2) SYNOPSIS: The side hustle, as more and more people seek financial independence, the pursuit of entrepreneurial aspirations while holding down a full-time job has become more common. In this episode, I teach you what you need to know to turn your side hustle into your full-time job.
Related Video: www.mediamoxye.com/nick-f-nelson-partners-with-moxye-to-syndicate-his-groundbreaking-web-series-brandprenuer-on-moxye/
EPISODE (1) SYNOPSIS: What does your life purpose have to do with your personal brand and career? In this episode of BRANDPRENUER, I explain why purpose is critical in corporate and personal branding and tell you how to discover yours. I also help you to create your very own purpose statement and share with you mine. #brandprenuer #itsnotbusinessasusual
Related Article: http://www.mediamoxye.com/nick-nelsons-side-hustles-will-never-stop-and-he-loves-it/


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(Translation it->en: Your system has run out of application memory. To avoid problems with your computer, quit any applications you are not using.)
How is that possible if there are only few open apps? o.O
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(Translation it->en: Your system has run out of application memory. To avoid problems with your computer, quit any applications you are not using.)
How is that possible if there are only few open apps? o.O
In my experience, this occurs when my main system hard drive is running low on free space. Operating Systems use the hard drive for extra memory storage, called "virtual memory". (I've definitely always wished that the OS could just reserve enough space for itself, but it just can't predict how many applications we'll be running).
On top of that, it's worth noting that regular web use now requires far more memory than it did in the past. In activity monitor, you'll notice that every single tab & window (every open web page) is it's own process, taking up a significant chunk of memory. On top of that, account for all the ads, movies, flash, scripts, plugins and 360 videos etc. that we expect to run smoothly. New OS's and new web pages just use a lot of memory to provide us with the services we expect to "just work" (eg. syncing across devices, notifications, automatic updating etc. etc.).
In short, in my experience there usually isn't a single process that's suddenly taking up a huge amount of memory (although a leaky program could indeed be a culprit - Sketchup 2016 does this to me, for example). More commonly, it's the additional functionality we expect of many programs/web plugins.
I believe restarting the computer always alleviates this problem for a short while - primarily by unloading all the webpages and apps we had launched over time. But if our expectation of the computer and hardware constraints stay the same (and we run the same number of processes without changing anything else), eventually we'll run into the problem again.
Two solutions that work for me:
1) Open fewer tabs/pages and fewer programs at one time. Close some web-pages/programs before opening the hefty apps, such as MS Office, Parallels, 3D CAD, Adobe programs etc.
2) Free up more space on the system hard drive (eg. move all your music and photos to another drive), to allow the system to handle your typical virtual memory needs. For me, this means my 1TB OS drive needs >20% free space (200GB)! Your requirements may be different. If you're on an older Apple laptop or iMac or Mini, the OWC Data-Doubler is a really fantastic way to accomplish this.
Method (1) is my temporary fix, so that when I eventually enact method (2) I will have restored the snappy performance I expect while running many heavy-duty programs simultaneously.
Could be a Google Chrome application memory leak as I had the same issue with it. Run Task Manager (in More Tools menu or got to chrome://system/) and check memory used by opened tabs and kill them. If won't help, Force Quitting the affected application should solve the problem.
Alternatively check your memory pressure (
memory_pressure command) and double check your free space so there is enough storage for swap files. Also try running
sudo purge from the Terminal.
It's possible there is some odd request for memory that the virtual memory system cannot oblige. The best bet is to restart the Mac and then run Activity Monitor to show the memory pressure and then observe those memory details when/if you reach that memory state again.
It's likely something caused by a buggy program leaking memory - so you could look into updating any programs that are running when this last happened to ensure it's not something that a bug fix can remedy.
The very same issue happened to me a couple days ago.
I follow these instructions to reset my Mac's NVRAM and PRAM. The memory consumption went from 4.5 GB down to 2.8 GB when it started up.
Turn off your Mac.
Turn it back on again and press & hold Command+Option+P+R (all at the same time) before the gray screen appears.
Hold the keys until you hear your Mac start up for the second time (let it beeps twice).
I had to repeat the process, one time right after the other, and now my memory issues have been solved.
More likely it is a problem with the OS itself. I just received this message when I had just a few programs open and memory pressure was "green" in Activity Monitor - but my uptime is 106 days. As everyone know - no computer/OS can run forever without a restart although 106 days is not a high number if you compare with mainframes, but for a personal system it is pretty good (albeit my second Mac's uptime is 168 days as we speak - with no signs of running out of memory). Restart is probably the best suggestion until Apple fixes this.
If you're seeing this message but the listed applications don't seem to explain the supposed excessive memory consumption, check whether non-application processes might be behind it. They'll be listed in the Memory tab of Activity Monitor, but won't appear in that dialog.
I was being barraged by this dialog with neither the listed applications nor free disk space explaining the supposed problem. Turns out I had a few UNIX processes using unusually large amounts of memory. The amounts they were using still don't explain the dialog's claim, and memory pressure was still in the green, but as soon as I quit them (didn't even have to force-quit) the dialogs stopped and haven't recurred since.
WARNING: It's a good idea to do a little online research into what any unknown processes are and do before forcibly quitting them, as some may have significant bad effects on the system if killed. Depending on the process, it may be preferable to restart the system either in lieu of, or immediately after, force-quitting it.
There may be multiple causes of this error message because I get the error message regularly and have 300GB free on a 500GB SSD. 32GB RAM and the message has popped up with only about 24GB of physical RAM used.
It's always been when I had a crap ton of Safari tabs open. I suspect a memory management issue with Safari. Maybe some websites trigger it but Safari should be resilient enough to recover.
Additionally, Safari all too often throws the "force reload" option at me because web pages have stopped responding. It's just not ready for prime time. Someone needs to tamp down the bozo eruption in the Safari team...
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All Candidates for the Neighborhoods Commission must reside within the boundaries of the City of San José, apply through the City Clerk's Office, and meet all City requirements for appointment to a commission (availability to attend meetings).
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text: This new project will be the eventual solution for reasonable housing in Delhi. Revanta Officers Housing Scheme is a very progressive project. The exclusive detail about this project is that project encouraged retried government officers. This will provide very well to retired officers who are retired now as well as looking for good investment plans. The project comes with the added benefits of CGHS (Co-operative Housing Society) System. The houses will be accessible through draws and only 180 houses are there, thus, now is the fair chance to start booking these flats. The flats are available with as low as Rs 28.9 lakhs with 3 types of flat range catering to the miscellaneous needs of our Indian families. Revanta Officers Housing Scheme will have the comfort of amenities such as hospitals, schools, colleges around the society.


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The European carbon market has grown substantially since its start in 2005. As it gets more sophisticated, it is important that the rules governing oversight of the market keep pace with its development and adequately address risks that may arise.
In principle, anyone can trade in the carbon market. The main categories of traders are energy companies and industrial companies that have obligations under the EU ETS, and financial intermediaries such as banks which also act on behalf of smaller companies and emitters.
To ensure a safe and efficient trading environment and to enhance confidence in the market, the scope of revised rules governing financial markets applicable to the carbon market will now include all segments of the carbon market. These revised rules have been adopted by the Council and the European Parliament.
The reviewed Markets in Financial Instruments Directive and Regulation will apply from January 2018.
The reviewed Market Abuse Regulation applies since July 2016 to derivative financial instruments relating to emission allowances. For emission allowances or auctioned products based thereon, the Regulation will apply as of January 2018.
These revised rules mean that:
Further implementing and delegated legislation has also been developed with the European Securities and Markets Authority (ESMA), which has published Technical Advice and draft Implementing and Regulatory Technical Standards under the Market Abuse Regulation, as well as under the Markets in Financial Instruments Directive and Regulation, also addressing specific issues for the EU ETS. These are now being subjected to the due scrutiny and adoption process by the European Commission, the Council and the European Parliament.
Other legislation related to market oversight with a direct relevance to carbon markets includes:
The lion's share of transactions in emission allowances is in the form of derivatives (futures, forwards, options), which are already subject to EU financial markets regulation (including the current MiFID). However, transactions for immediate delivery of allowances (also called "spot" transactions) are currently not subject to equivalent rules at the EU level and are not supervised. In the past, some carbon exchanges even "packaged" emission allowances as financial instruments (futures with a few days delivery period) which showed that many market participants expected protections and benefits of trading in financial instruments and had a clear preference for allowances offered in such form over instantly available allowances (spot) traded on other venues.
To address this gap, the Commission has decided to come forward with proposals for a suitable regulation of this segment of the carbon market, which have now been politically agreed by the Council and the European Parliament. Under the reviewed MiFID, spot transactions will also be subject to EU financial markets regulation (for more information see MEMO/14/305 on the reviewed MiFID).
The carbon market has experienced significant growth in size and sophistication. The European carbon market is the EU's flagship policy to reduce greenhouse gas emissions and has a crucial role to play over the coming decades in the transition to a low-carbon economy. As the Commission's analysis for the 2030 climate and energy framework has indicated, this transition requires significant investments in the coming decades. The carbon market therefore needs a robust level of oversight in order to facilitate investments in this low-carbon transition.
The rules also aim to provide a safe and efficient trading environment to enhance confidence in the carbon market in the wake of a series of unfortunate fraudulent activities which the market has experienced a few years ago.
The rules will enhance this market's overall transparency both in terms of data publicly available to all participants and the information submitted to supervisors. They will also ensure the ability of supervisors to act swiftly and decidedly on cases of misconduct, unfair treatment of clients and threats to orderly functioning of the market. All this will be to the benefit of other market participants and clients of professional traders and intermediaries (often EU Emissions Trading Scheme (ETS) compliance buyers relying on professional help to buy and sell emission allowances). The rules of the Markets in Financial Instruments Directive (MiFID) and Regulation (MiFIR) will deal with all those matters.
It is furthermore necessary to minimise the risk of market abuse – comprising both insider dealing and market manipulation - in the carbon market. By virtue of cross-references to the reviewed MiFID, the politically agreed rules on market abuse – more specifically the Market Abuse Regulation (MAR) and a Criminal Sanctions for Market Abuse Directive (CSMAD) – will deliver that (for more information see MEMO/13/774 on MAR and MEMO/14/78 on CSMAD).
For further references new MAD regime or rules shall comprise the Market Abuse Regulation (MAR) and the Criminal Sanctions for Market Abuse Directive (CSMAD).
New MiFID regime or rules shall comprise the new Markets in Financial Instruments Directive (MiFID) and the Markets in Financial Instruments Regulation (MiFID).
Last but not least, professional intermediaries in the carbon market will be required to apply customer due diligence measures as provided by the Anti-Money Laundering Directive . Such verification will complement the measures foreseen already at the level of the EU ETS registry and will contribute to overall enhanced protection of the market from money laundering risks.
The Commission has duly considered the impacts of classifying emission allowances as financial instruments and submitting them to financial markets rules. Those impacts were presented in the impact assessment report accompanying the MiFID/MIFIR review proposals.
Any emerging regime for the spot carbon market would need to be fully coherent with the regulation of financial markets, in particular as the lion's share of the carbon market today consists of derivatives trading and is hence covered by financial market rules. Furthermore, the regulatory framework for the auctioning of emission allowances is closely aligned in key respects with the rules applicable for the secondary market in financial instruments. Any regime would also need to embrace adequate measures against market abuse, based on the MAR/CSMAD.
Coverage by the financial market rules further stabilises the carbon market and ensures its robustness. It also gives a clearer regulatory status to emission allowances. In eight years, the European carbon market has grown from around €6 billion annual turnover to up to €90 billion. According to analysts, it is expected to continue to grow. As the market grows, the coverage by financial market rules will provide a comprehensive regulatory framework that will still be adaptable to carbon market specificities.
The Commission has examined the merits of a tailor-made regime. However, as all stakeholders acknowledge, even a tailor-made regime would have to reproduce the overall approach and most of the technical solutions already found in the MiFID/MAD. It is also questionable whether the coverage of the spot segment (currently a very small part of the overall carbon market activity) would actually justify development of a fully separate regime, which would also bear the risk of inconsistencies with the rules that already govern the largest part of the market.
Lastly, placing the spot carbon trade under a potentially less stringent set of rules than is the case for carbon derivatives trade may eventually be detrimental to the spot segment's prospects.
The proposed rules are coherent with the Regulation on Energy Markets Integrity and Transparency (REMIT), where appropriate, for example as regards the duties to disclose inside information. The REMIT established a suitable framework for transparency and integrity in the electricity and gas markets. However, there are many quite specific elements in the REMIT which build on past legislation developed exclusively for the energy sector. Although there is a strong interplay between the energy and carbon markets, there are many additional sectors covered by the EU ETS. The application of energy markets specific rules would not be appropriate in their case.
Individual ETS compliance buyers buying and/or selling emission allowances on own account will be exempted from authorisation and compliance duties under the new MiFID, as well as entities like trade associations which will provide investment services in emission allowances as long as (i) this activity will be ancillary and (ii) they are not part of a financial group. If those two conditions are fulfilled, this exemption will also be available to companies other than financial intermediaries providing investment services to the group they are part of. Another optional specific exemption may be available to joint ventures of local electricity and gas undertakings, and of EU ETS operators under certain conditions.
The position limits regime provided for under MiFID for commodity derivatives does not apply to emission allowances.
Specific pre- and post-trade transparency requirements will be developed in due consideration of the specificities of emission allowance as an instrument of trade and the genuine carbon market features.
The new market abuse regime includes several carbon-specific elements for example, a specific definition of inside information, a tailored inside information disclosure duty, and a complete coverage of the primary market (auctioning).
Joint ventures of local electricity and gas undertakings, and of firms subject to the EU ETS may be exempt if Member States chose to provide this derogation to the participants in their territory. These exemptions may be available as long as these Member States submit such joint ventures to national requirements which are at least analogous to certain requirements under MiFID/MiFIR (authorisation and supervision, conduct of business, organisational requirements on conflicts of interest, participation in an investor-compensation scheme or professional indemnity insurance etc.).
The joint ventures may qualify for the optional exemptions provided that:
The new MiFID/MiFIR and MAR/CSMAD rules will fully apply to emission allowances and derivatives thereof (i.e. as for derivatives with traditional financial underlying and unlike commodity derivatives). They also cover other units recognised for compliance under the EU ETS.
MAR and CSMAD also apply to behaviour or transactions, including bids, relating to the auctioning on an auction platform authorised as a regulated market of emission allowances or other auctioned products based thereon, including when auctioned products are not financial instruments, pursuant to Regulation (EU) No 1031/2010.
The rules cover secondary market transactions in some, but not all, CERs and ERUs – those that are held on an EU ETS registry account. How the credits from a specific project will be treated is determined by the detailed rules of the EU ETS Directive (article 11a) and its implementing measures. As a rule, the registry now holds only units recognised for compliance use under the EU ETS.
The duty to disclose inside information will be placed not on the issuer (as is the case of traditional financial instruments such as shares and bonds), but on the emission allowance market participant. The information to be disclosed – satisfying all essential criteria of inside information set out in MAR – will concern the physical activity of the disclosing party (e.g. on capacity and utilisation of installations).
At the same time, MAR includes an exemption for those participants in the emission allowance market the activity of which (expressed in terms of annual emissions or thermal input or a combination thereof) falls below a certain minimum threshold. That threshold will be determined by the Commission by means of a delegated act.
As a result, the disclosure duty will apply to only those entities, the activity of which on an individual basis can have material impact on the price formation of emission allowances or the (consequential) risks of insider dealing.
Emission allowance market participants will typically be EU ETS operators in the sense of the EU ETS directive, but in specific cases this category may also cover other persons like trading entities belonging to a group which also includes one or more EU ETS operators with physical activities above the minimum threshold set.
The overall architecture of the Commission proposals concerning emission allowances remains intact. That is to say that reviewed MiFID rules applicable to traditional financial markets (including emission allowances derivatives trading on leading exchanges) will also apply to the emission allowances themselves. This will put them on equal footing with the derivatives transactions concerning the transparency, investor protection and integrity.
The main difference is that specific exemptions from MiFID/MiFIR for carbon market participants have been recast and two new exemptions added:
The European carbon market has grown substantially from around €6 billion turnover in 2005 to up to €90 billion. Fluctuations in the price of carbon under the EU ETS reflect the balance of supply and demand, driven by market fundamentals. Empirical evidence shows that historically high levels of volatility in carbon prices in 2005 to 2007 are due to some very specific reasons. There is no evidence of any pattern between the influx of investors and volatility in carbon prices.
Furthermore, financial intermediation is a necessary part of a market. Market intermediaries typically fill supply or demand voids by standing ready to buy or sell from market end-users (EU ETS compliance buyers) on a continuous basis. Such participants also may enhance the price discovery process by collecting and bringing information to the market. The lion's share of the carbon market today already consists of futures and other derivatives trading and is hence covered by financial market rules. That dominance of the financial segment has not led to any particular disturbances neither in the carbon market nor for the compliance by the EU ETS compliance buyers. It is the unregulated spot segment that has attracted illicit behaviour a few years ago.
Yes. Otherwise futures and forwards would not have become the dominant segment of the European carbon market. Stricter regulatory standards will provide for a safer and more reliable trading environment. Carbon market participants already now display a clear preference for concluding transactions in emission allowance derivatives on MiFID-licensed exchanges and mostly have their transactions cleared by a clearing house.
The application of MiFID and MAD will not limit the possibilities of ETS compliance buyers to buy or sell allowances on the market, be it on exchange or over-the-counter. In most cases, where their emission allowances trading activity would be for their own account (hence not executing client orders), they will be dispensed from the duty to have a MiFID-licence normally required from investment firms. An additional requirement is that there is no use of high frequency trading technique. Authorisation under MiFID will not be required from those entities that will provide services relating to the emission allowances market exclusively for their group. Finally, joint ventures of ETS compliance buyers may also be dispensed from this duty in those Member States which have provided for an analogous regime at national level. Pursuant to the new market abuse regime, all ETS compliance buyers will need to respect the prohibitions of insider dealing and market manipulation. Emission allowance market participants (entities with emissions or rated thermal input above the specified threshold) will also need to follow additional obligations like disclosure of inside information, holding an insiders' list and notifications of own transactions by managers.
As a rule, entities providing investment services specialising in emission allowances (e.g. reception and transmission of orders and their execution, safe-keeping and administration of clients' assets) would be required to hold a MiFID licence and comply with all MiFID organisational and operational requirements (including know-your customer checks, transactions reporting, record keeping and investor protection rules). It is only normal for companies with this kind of activity to be covered by financial market organisational and conduct of business rules and be subject to the supervision of financial regulators.
Traders in emission allowances may be eligible for an exemption from MiFID authorisation (e.g. on the basis of restricted and ancillary character of a firm's investment services activity relating to emission allowances or derivatives thereof and subject to additional strict criteria). However, in a large majority of cases, these traders also provide services involving derivatives of emission allowances or of commodities, and are hence already required to hold a MiFID licence, independent of the new framework for the spot carbon market.
Trading venues offering contracts for spot trade in emission allowances and not currently subject to the MiFID, would be expected to obtain a MiFID authorisation in accordance with their specific profile (as a regulated market, a multilateral trading facility (MTF), or the new category of organised trading facility (OTF)).
The application of the revised MiFID in their case would mean that in order to continue spot trading activity they would need to make necessary adaptations to be in a position to seek a MiFID authorisation.
A number of other EU financial-market measures cross-referring to the MiFID would also be applicable to transactions and other market activity involving emission allowances. Those impacts would include, for example:
A number of other EU financial-market measures cross-referring to the MiFID would also be applicable to transactions and other market activity involving emission allowances. Those impacts would include, for example:
At the same time emission allowances trade would fall outside the scope of the following EU financial market measures:
Legislation on capital requirements[1]only applies to credit institutions and investment firms. Most ETS compliance buyers which have limited trading activity, ancillary to their main business will be exempt from the MiFID and thus also exempt from such capital requirements.
Professional traders with investment services or activities involving emission allowances are typically also active in the trading of derivatives of emission allowances or of commodity derivatives. As a result, and without prejudice to currently applying transitional exemptions[2], they are therefore anyhow covered by capital requirements stemming from the MiFID and the Capital Requirements Directive. This means that any future coverage of emission allowances by the MiFID would not impact their treatment under the Capital Requirements Directive. Such impacts could materialise in the unlikely case that a professional trader specialises solely in the spot trade of emissions allowances and is covered by the MiFID registration duties only on those grounds.
No, the system of EU ETS registries will not be redundant as a result of coverage of emission allowances by financial markets rules. Clearing houses and settlement systems will continue to provide support services to the trading pursued on- or off-exchange and will be complementary to the functions performed by the single Union registry. The registry does not record market transactions, but does record any resulting physical delivery of allowances. Furthermore, it also performs other (supporting) functions, such as recording the creation of allowances, surrendering for compliance with the EU ETS and their deletion, as well as free allocation and auctioning.
The proposals on carbon market oversight will not alter the fundamental purpose of the emission allowances. Their classification as financial instruments is made for the purposes of application of the EU financial markets regulation and is not aimed to deal with the legal nature of emission allowances (on the grounds of private law) or their accounting treatment.
No, the classification of allowances as a financial instrument would have no direct impact on the accounting treatment of emission allowances under the Union law. Classification of emission allowances for accounting purposes depends on the criteria set by accounting standards only, which are under the authority of the International Accounting Standards Board (IASB).
The IASB currently lists emission trading systems as of its research projects. However, there are currently no harmonised accounting standards for emission allowances at international level. National approaches in a few Member States may already require companies to recognise them as regular (financial) assets. In absence of a harmonised accounting treatment of emission allowances at international level the Member States take individual responsibility in this regard.
In the specific case of emission allowances (and auctioned products based thereon) the new MIFIR/MiFID and MAR/CSMAD frameworks will enter into application on the same date, 30 months after the entry into force of the new MIFIR/MiFID which in turn is envisaged on the 20th day following its publication. Thus the start of application is expected towards the end of 2016. The delayed application of MAR/CSMAD in the specific case of emission allowances is due to the fact that the new MIFIR/MIFID rules classifying emission allowances as financial instruments will not be in application until 30 months after the entry into force of MIFIR/MIFID.
Corresponding measures currently applicable to the carbon market by virtue of Union law (e.g. the Auctioning Regulation) or of the law of the Member States can remain in application until that date.


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Behavioral Aspects of Price Setting, and Their Policy Implications
Julio J. Rotemberg
NBER Working Paper No. 13754
This paper starts by discussing consumers' cognitive and emotional reaction to posted prices. Cognitively, some consumers do not appear to make effective use of price information to maximize their consumption-based utility. Emotionally, prices can induce regret and anger among consumers. The optimal responses of firm's prices to these reactions can explain why firms charge prices below marginal cost for many goods and why they keep their prices rigid. This explanation of price rigidity has the advantage of being consistent with the observation that the typical size of price increases is nearly invariant to inflation. Lastly, the paper turns to some government policies regarding prices that appear to have some consumer support. It argues that both laws against price gouging and laws regulating the terms of mortgages may have support because consumers recognize that many people do not optimize their consumption effectively and because they are angry at firms that take advantage of this. These attitudes can also explain consumer support for monetary policies that maintain a low level of average inflation.
Machine-readable bibliographic record - MARC, RIS, BibTeX
Document Object Identifier (DOI): 10.3386/w13754
Published: Rotemberg, Julio J. "Behavioral Aspects of Price Setting, and Their Policy Implications." In Policymaking Insights from Behavioral Economics, edited by Christopher L. Foote, Lorenz Goette, and Stephan Meier. Boston, MA: Federal Reserve Bank of Boston, 2009.
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Feeding Hills Congregational United Church of Christ
A Brief Church History
Feeding Hills Congregational Church is the oldest religious institution in the community, its founding going back to the establishment of Feeding Hills as the sixth parish of Springfield. The church called its first settled pastor, the Rev. Sylvanus Griswold, on November 10, 1762. Mr. Griswold continued as pastor through the Revolutionary War years and through numerous ups and downs, both religious and financial, until his death in 1819.
The current meeting house dates to 1835, with numerous modifications and additions to the facilities over the years. Life-long member Naida King (1907-2006), remembered when North Westfield Street was still a dirt road, horse-drawn sleighs provided transportation during the winter, and the sanctuary was heated by a coal-burning pot-belly stove. The community has changed greatly over the last century and the congregation along with it.
Like many small congregations, the church has had its share of conflicts and renewals. What has seemed to calm the waters has been a series of lengthy and intensive all church conversations over the last twenty-five years. A Conflict Mediation process in 1996, the Open and Affirming process culminating in 2005, and the Crossroads Project starting in 2015 have led to stability marked by open communication, two marks of a healthy church.
At the age of 255, the congregation is characterized by a variety of ministries and initiatives, from Bible study and worship to a developing outreach to LGBTQ teens to ongoing partnership with West Springfield's Parish Cupboard, a deeper connection to the Massachusetts Conference United Church of Christ, and even a Monday evening yoga class. The times do change. What remains the same is our presence as a witness to Christ's love in Feeding Hills and beyond.


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Choosing to sell your home is a decision that is made more often than most people think. Almost all homeowners will sell their home and move once each ten years. Many sell in the conventional manner by listing with a real estate agent and waiting for an offer. But there are some occasions when you really want to sell quickly. Having a second option when this occurs can be a huge help to a fast sale.
If you are experiencing financial difficulties and are late on mortgage payments, you know that foreclosure is a potential problem for you. Speaking to your lender will only get you some extra time to catch up of maybe an option to temporarily lower your interest rate. But serious financial trouble like a long term illness or loss of a job cannot be solved with a little more time or a slight interest reduction. Before the foreclosure process begins, you are wise to consider selling your home to avoid the damage a foreclosure will do to your credit score. And a fast sale will insure that you can pay off your mortgage before your credit is ruined.
You might have recently inherited a home or property that you don't really want to own. It could be old and in disrepair or in a location that doesn't meet your needs. The last thing that you want is to invest money into a property that you are going to sell. But sometimes it might look like that is the only option to sell it quickly and for a decent price. But there is another way for you to liquidate the property and be able to quickly put the money to use.
The strengthening economy has brought many opportunities to the workforce. You might find yourself with a great job offer in another city or state, but you need to sell your current home to be able to purchase a home in the new city. Hiring an agent and hoping that they sell your home while you go in search of a temporary place to live is not a good way to begin a new job or a new chapter of your life. A fast and simple sale would make the transition much less stressful.
What all of these situations have in common is that the homeowner needs to sell quickly. And it goes without saying that they want a good price for their home are at least a fair sale price. But when there is a time issue involved, many sellers are tempted to take the first offer they receive. In many cases it is a very low offer but it looks better than nothing and also better than waiting for months and continuing to pay a mortgage on a house that is not being lived in.
The solution for a fast and simple home sale is to contact Phoenix Home Buyers Group. Selling to real estate investors means that you will get a fair market value offer for your home and be able to close very quickly. Most offers are all cash and take little more than seven days to complete. A fast and easy sale will let you focus on the rest of your life and not worry about a slow home sale process.