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Friday, December 30, 2016
I refer to "Reframing Financial Regulation: Enhancing Stability and Protecting Consumers" 2016, by the Mercatus Center at George Mason University, and edited by Hester Peirce & Benjamin Klutskey.
The book includes many wise suggestions but, since it does not seem to capture how incredibly faulty current regulations really are, it has gaps that make it more difficult to understand how sensitive the financial system, primarily banks, and the real economy as such, is to the process of implementing a "reframing".
For brevity and because my main reservations with current financial regulations have to do with the issue therein discussed, I will limit my comments to Chapter 1: Risk-Based Capital Rules by Arnold Kling.
The author writes: "Risk-based capital rules dramatically affect the rate of return banks earn from holding different type of assets. Regardless of the intent of these rules they strongly influence capital allocation in the economy."
That is correct, although referring to the ex-ante expected risk adjusted returns on equity would be more precise.
Then the author states: "They substitute even crude regulatory judgment for individual bank discretion and market mechanism".
That is not entirely correct. The real problem is that since banks already clear for ex ante perceived risks, when setting interest rates and the amount of their exposures, that regulators also use basically the same ex ante risk perceptions for determining the capital requirements, means that "ex-ante perceived risks", will be doubly considered. What regulators missed entirely, is that any risk, even if perfectly perceived, will cause the wrong actions, if excessively considered.
The book identifies partly what the distortion in the allocation of bank credit could do to the safety of banks, but what it most misses to comment on, is what the risk weights actually calculated and used, really meant and mean to the allocation of bank credit to the real economy.
For instance Basel I, 1988, applied to the United States, set the risk weight of 0 percent for US Treasuries; 20 percent for claims to for instance local governments; 50 percent when financing residential properties and revenue bonds; and 100 percent all other claims on private obligors.
0% risk weight for the sovereign? If that's not in runaway statism what is? De facto it implies that regulators consider government bureaucrats will give better use to bank credit than the private sector.
In 2001 the Federal Reserve Board, the Office of the Comptroller of the Currency and the FDIC set the following risk weight depending on credit rating; AAA to AA 20 percent; A 50%; BBB (the lowest investment grade) 100 percent; and BB (below investment grade) 200%.
If that's not runaway stupidity what is? The regulators really seem to have thought (and think) that assets perceived as extremely risky, are more dangerous to the bank system than assets perceived as safe. As if they never heard of Mark Twain's "A banker lends you the umbrella when the sun shines and wants it back when it looks it could rain"; as if they never heard of Voltaire's "May God defend me from my friends, I can defend myself from my enemies".
Worse though, they never gave any consideration to the possibility that millions of "risky" 100% weighted SMEs and entrepreneurs, so vital to the sturdy growth of the real economy, would see their credit applications negated only because of this.
Mercatus Center, any reframing of current financial regulations that is not based on a full understanding of how statists and stupid current regulations are, will not be able to adequately deliver what we, especially the young, so urgently need.
For instance all those propositions of increasing the capital requirements for banks with higher leverage ratios but that would keep of the risk weighting in place fail to understand that the bigger the capital squeeze the more will the risk weighing distort the allocation of bank credit to the real economy. (Think of "The Drowning Pool")
For instance to avoid imposing on the real economy the bank credit austerity that would result in the initial stages of capital increases the grandfathering of old capital requirements for existing assets until these are disposed would be a must.
Mercatus Center, you have clout that I as a citizen have not! Do all us a favor and request straight answers from the regulators on some very basic questions.
Sunday, December 25, 2016
Harvard Law School. I hope you did not believe Bill Coen with that the Basel Committee knows what it's doing.
Bill Coen, the Secretary General of the Basel Committee on Banking Supervision, spoke at the Harvard Law School on December 12, 2016. In: "The global financial crisis and the future of international standard setting: lessons from the Basel Committee" Coen had this to say about the metric of the risk-weighted ratio:
"Its strength is that it sets capital requirements according to the perceived riskiness of a bank's assets."
Comment: It is sheer lunacy to set capital requirements according to ex ante perceived risks, when you should set them according to the risk that banks might not adequately perceive the riskiness of their assets. In fact all bank crises have occurred from unforeseen events (like devaluations), criminal behaviors or excessive exposures to what ex ante was perceived as safe but that ex post turned out to be risky. No bank crisis has ever resulted from excessive bank exposures to something ex ante believed risky.
"Its weakness is that it is susceptible to setting too low capital requirements, either unintentionally (model risk), or intentionally (gaming)."
Comment: This evidences mindboggling naiveté. For banks to earn the highest possible risk adjusted returns on equity, they will automatically look to hold as little equity as possible. So it is like placing some delicious cookies in front of children, and expecting them to reach out for the spinach.
Students and professors at Harvard Law School, do us all a big favor. Send Bill Coen the following questions, and ask him formally to respond. At least that would save me from having to go on a hunger strike or other similar extremes in order to get some answers.
PS. You could also ask the Harvard Business School about why they have kept such silence on the monumental mistakes of current bank regulations.
Wednesday, December 14, 2016
Current bank regulation, more risk more capital - less risk less capital, is something as fake and dumb as it gets.
1. Even though the most important function of banks is to allocate credit efficiently to the real economy, let's forget that and concentrate solely on banks becoming super safe mattresses in which we can store our savings.
So let us not worry about banks being able to leverage more their equity and the support we give them on what is perceived as safe than on what is perceived as risky; which obviously means banks will be able to earn higher expected risk adjusted returns on equity on what is perceived as safe than on what is perceived as risky; which obviously means banks will lend too much to what is perceived as safe and too little to what is perceived as risky.
2. Even though that reduces the opportunities of those coming from behind to access bank credit, and therefore basically decrees more inequality, let's also forget about that.
3. Even though the distortion will cause banks to finance less the risky that our young need in order for them to have jobs and a workable economy, let us forget about that and go for short term safety, we baby-boomers aren't that young, are we?
3. Even though the distortion will cause banks to finance less the risky that our young need in order for them to have jobs and a workable economy, let us forget about that and go for short term safety, we baby-boomers aren't that young, are we?
4. Even though all banking crisis have resulted from unexpected events, like natural disasters and devaluations, from criminal activity and from excessive exposures to something ex ante perceived as safe but that ex post turned out to be very risky, let us ignore that and require banks to hold more capital when holding assets perceived as risky.
5. Even though we know that banks will do their utmost to lower their capital requirements so as to obtain higher returns on assets, let us allow the big banks to run their own risk models, as they will love us for that and make our yearly visits to Davos so much more agreeable.
6. Even though it is clear that our economies would never have developed the same had these regulations been in place before, let us ignore that, in order as regulators to feel more tranquil.
7. Even though the distortion will cause banks to finance less the risky SMEs and entrepreneurs that our young need to be financed in order for them to have jobs and a workable economy, let us forget about that and go for short term safety, we baby-boomers aren't that young, are we?
7. Even though the distortion will cause banks to finance less the risky SMEs and entrepreneurs that our young need to be financed in order for them to have jobs and a workable economy, let us forget about that and go for short term safety, we baby-boomers aren't that young, are we?
8. Even though 0% risk weight for the Sovereign and 100% for We the People gives away that we believe government bureaucrats know better how to use bank credit than the private sector, let's stand firm on it. We are true statists, aren't we?
9. Even though Greece and AAA rated securities, and the ensuing stagnation, and the ensuing waste of so much stimulus has proved us so very wrong, let us ignore that, since otherwise we could lose our jobs.
10. There is probably not a clearer evidence that current bank regulators have no clue about they are doing that Basel II's risk weights. These assign 20% to the dangerous AAA to AA rated while sticking the so innocuous below BB- rated with 150%.
PS. I have tried for over a decade to get some answers from regulators to some very basic questions, unfortunately in that area the technocrats are seemingly following a strict Zero Contestability policy.
Friday, December 9, 2016
Stefan Ingves, years after Basel Committee's failure, you all have still no idea about how to regulate banks.
On December 2, 2016 Stefan Ingves, the Chairman of the Basel Committee gave a Keynote speech at the second Conference on Banking Development, Stability and Sustainability, titled "Finalising Basel III: Coherence, calibration and complexity"
In it Ingves stated: "an area of further research which would be welcome relates to how we should think about the capital benefits of allowing banks to use internally modelled approaches, and therefore the appropriate calibration of capital floors to such models. What are the pre-conditions for such models to produce better outcomes than, say, simpler standardised approaches? And to whom do the benefits of improved modelling accrue? If a bank using a model can lower its capital requirements by, say, 30%, what are the financial stability and real economy benefits of such an approach? To what extent do the benefits of modelling accrue to lower-risk borrowers as opposed to the parties being compensated for developing and using the models?"
That is clear evidence that the Basel Committee still, soon ten years after the crisis, their failure, has no idea about what it is doing. It should concern us all.
Here's one example on of how the Basel Committee's has totally confused ex ante risks with ex post risks. In their Basel II standardized risk weights the weight assigned to AAA assets is 20% while the weight of a highly speculative below BB- rated assets was set at 150%.
I ask: What has much greater chance of taking the banking system down, excessive exposures to something ex ante believed very safe or excessive exposures to something believed very risky? The answer should be clear. Never ever have bank crises resulted from excessive exposures to something believe risky when placed on the balance sheet; these have always resulted from unexpected events (like devaluations), criminal behavior or excessive exposures to something perceived ex ante as very safe but that ex post turned out to be very risky.
The truth is that the Basel Committee told banks: "Go out and leverage your capital more than with assets that are safe". And so when disaster happens, like with AAA rated securities, banks stand there more naked than ever.
Of course, the other side of that coin is, "Do not go and lend to what is risky". So banks dangerously for the real economy stopped lending to SMEs and entrepreneurs… something that is never considered when stress testing.
To top it up, like vulgar statist activists, they set a risk weight of 0% for the Sovereign and one of 100% for We the People; which translates into a belief that government bureaucrats can use bank credit more efficiently than the private sector… something which of course created the excessive indebtedness of Greece and other.
One final comment, the regulators naivety is boundless: "to whom do the benefits of improved modeling accrue? asks Ingves" Clearly there is no understanding of that bankers will, as is almost their duty, always look to minimize capital if so allowed, in order to obtain the highest expected risk adjusted returns on equity.
When fake regulators supervise banks; totally unsupervised banks is much better.
PS. Must one go on a hunger strike to have the Basel Committee on Banking Supervision answer some very basic questions?
Thursday, December 8, 2016
That banks allocate credit efficiently to the real economy is more important than avoiding bank failures
"THE MINNEAPOLIS PLAN reduces the risk of financial crises and bailouts to as low as 9 percent, at only a modest economic cost relative to the typical cost of a banking crisis.
The Minneapolis Plan will (a) increase the minimum capital requirements for "covered banks" to 23.5 percent of risk- weighted assets, (b) force covered banks to be no longer systemically important—as judged by the U.S. Treasury Secretary—or face a systemic risk charge (SRC), bringing their total capital up to a maximum of 38 percent over time, (c) impose a tax on the borrowings of shadow banks with assets over $50 billion of 1.2 percent for entities not considered systemically important by the Treasury Secretary and 2.2 percent for shadow banks that are systemically important, and (d) create a much simpler and less burdensome supervisory and regulatory regime for community banks"
NO! Except for (d) "a simpler and less burdensome supervisory and regulatory regime for community banks" the Minneapolis plan suffers from the same fundamental mistake of current bank regulations.
It fixates itself on avoiding bank failures, while entirely ignoring the much more important social purpose of the banks, that of allocating credit efficiently to the real economy.
To achieve that is impossible, while using risk weighting based on ex ante perceived risks to determine capital requirements.
Would the Minneapolis Fed be able to provide me the answers to those questions the Basel Committee and the Financial Stability Board refuse to even acknowledge?
PS. And in any adjustment plan grandfathering existing capital requirements for the existing assets held by the banks would be required, so as to not risk contracting the credit market excessively.
FSB's Mark Carney is no one to lecture us on inequality, lack of opportunities and intergenerational divide
Mark Carney, the Governor of the Bank of England, in a speech titled "The Spectre of Monetarism" December 5, 2016 said:
"For both income and wealth, some of the most significant shifts have happened across generations. A typical millennial earned £8,000 less during their twenties than their predecessors. Since 2007, those over 60 have seen their incomes rise at five times the rate of the population as a whole. Moreover, rising real house prices between the mid-1990s and the late 2000s have created a growing disparity between older homeowners and younger renters... At the same time as these intergenerational divides are emerging, evidence suggests that equality of opportunity in the UK remains disturbingly low, potentially reinforcing cultural and economic divides."
But Mark Carney is also the current Chairman of G20's Financial Stability Board and, as such, one of the primarily responsible for current bank regulations… the pillar of which is the risk weighted capital requirements for banks.
That piece of regulation decrees inequality resulting from negating "the risky", like SMEs and entrepreneurs fair access to bank credit.
That piece of regulation favors the financing of "safe" basements where jobless kids can stay with their parents over "riskier" ventures that could provide the kids in the future the jobs, so that they had a chance to become responsible parents too.
That piece of regulations is a violation of that holy intergenerational bond Edmund Burke spoke about.
Carney also said: "Higher uncertainty has contributed to what psychologists call an affect heuristic amongst households, businesses and investors. Put simply, long after the original trigger becomes remote, perceptions endure, affecting risk perceptions and economic behaviour. Just like those who lived through the Great Depression, people appear more cautious about the future and more reluctant to take irreversible decisions. That means less willingness to put capital to work and, ultimately, lower growth."
If any have suffered form "affect heuristic" that is the bank regulators. Mixing up ex ante perceptions with ex post possibilities, these decided on "more risk more capital – less risk less capital", without: defining the purpose of banks "A ship in harbor is safe, but that is not what ships are for." John A Shedd; or looking at what has caused bank crises in the past "May God defend me from my friends, I can defend myself from my enemies" Voltaire
Mark Carney also said "For two-and-a-half centuries, the prices of government bonds and the prices of equities tended to move together: the typical bull market entails rising equity prices and falling bond yields, with the reverse in bear markets. Since the mid-2000s, however, this pattern has reversed and bond yields have tended to fall along with equity prices".
He is not able to connect that to the fact the risk weight given to sovereign debt is 0%, as compared to one of 100% for We the People… and that capital scarce banks therefore shed "riskier" assets in favor of public debt. As statist, Carney also ignores the fact that regulation has subsidized public borrowings, paid of course by negating credit opportunities to SMEs and entrepreneurs.
Must one go on a hunger strike in order to get some contestability from the Basel Committee or the Financial Stability Board?
Monday, December 5, 2016
Here is the succinct but complete explanation of the subprime crisis. One, which apparently should not be told.
Here's a prologue, on the 10th anniversary of the Lehman Brothers collapse: In 2006 in a letter to the Financial Times I argued for the long-term benefits of a hard landing. The Fed and ECB decided to kick the can forward and upwards, which could have worked; better at least, had they removed the distortions that created the crisis.
Just four factors explains it all, or at least 99.99%.
Securitization: The profits for those involved in securitization are a function of the betterment in risk perceptions and the duration of the underlying debts being securitized. The worse we put in the sausage – and the better it looks - the more money for us. Packaging a $300.000, 11%, 30 year mortgage, and selling it off for US$ 510.000 yielding 6% produces and immediate profit of $210.000 for those involved in the process. (Those who are being securitized do not participate in the profits)
Credit ratings: Too much power to measure risks was concentrated in the hands of some very few human fallible credit rating agencies.
Borrowers: As always there were many financially uneducated borrowers with needs and big dreams that were easy prey for strongly motivated salesmen, of the sort that can sell a lousy time-share to a very sophisticated banker.
Credit ratings: Too much power to measure risks was concentrated in the hands of some very few human fallible credit rating agencies.
Borrowers: As always there were many financially uneducated borrowers with needs and big dreams that were easy prey for strongly motivated salesmen, of the sort that can sell a lousy time-share to a very sophisticated banker.
Capital requirements for banks. Basel II, June 2004, brought down the risk weight for residential mortgages from 50% to 35%. Additionally, it set a risk weight of only 20% for whatever was rated AAA to AA. The latter, given a basic 8%, translated into an effective 1.6% capital requirement, which meant bank equity could be leveraged 62.5 times to 1.
Clearly the temptations became too much to resist for all involved.
The banks, like the Europeans, thinking that if they could make a 1% net margin they could obtain returns on equity of over 60% per year, went nuts demanding more and more of these securities; and the mortgage producers and packagers were more than happy to oblige, signing up lousier and lousier mortgages and increasing the pressure on credit rating agencies. The US investment banks, like Lehman Brothers, also participated, courtesy of the SEC.
Of course it had to end bad... and it did!
Can you image what would have happened if the craze had gone on one or two years more?
I have explained all the above in many shapes or form, for much more than a decade. Unfortunately it is an explanation that is not allowed to move forward, because it would put some serious question marks about the sanity of some of the big bank regulators.
Might I need to go on a hunger strike to get some answers from the Basel Committee and the Financial Stability Board?
Might I need to go on a hunger strike to get some answers from the Basel Committee and the Financial Stability Board?
PS. And here are some of my early opinions on these regulations, some of them while being an Executive Director at the World Bank, 2002-04
PS. Here's my recent, 2019, comments sent to the Financial Stability Board
PS. Here's my recent, 2019, letter sent to the IMF
PS. Here's my recent, 2019, letter sent to the IMF
Saturday, December 3, 2016
Must one go on a hunger strike to have the Basel Committee or FSB answer some very basic questions?
Before regulating banks did you ever define their purpose? I know we all want them to be safe but, as John Augustus Shedd said: "A ship in harbor is safe, but that is not what ships are for."
By allowing for different capital requirements based on ex ante perceived risks of assets, banks will be able to leverage their equity (and the support given by authorities) differently, which will cause quite different expected risk adjusted returns for different assets, than would have been the case in the absence of this regulation. Were you never concerned about how this would distort the allocation of bank credit to the real economy?
Since ex ante perceived risk were already considered by bankers when deciding on the amounts of exposures and interest rates, when you decided that the perceived risk was also going to determine capital requirements, you doubled up on perceived risk. Don't you know that any risk, even if perfectly perceived, causes the wrong actions if excessively considered?
In the case of larger and more "sophisticated" banks, you allowed these to use their own internal risk models to determine capital requirements. (Something like allowing Volkswagen to calculate their own emissions) Was it not naïve of you to believe banks would not naturally aim for lower capital requirements, in order to increase their expected risk adjusted returns on equity?
What's perceived as safe can be leveraged into being utterly dangerous, only because of that perception; while what's perceived as risky is automatically less dangerous, precisely because of that perception. Or as Voltaire said: "May God defend me from my friends, I can defend myself from my enemies". In this respect can you explain the logic behind your standardized Basel II risk weights of 20% for what is AAA to AA rated, and 150% for what is rated below BB-?
In the same vein what empirical research did you carry out to determine that what is perceived ex ante as risky has caused major bank crises? I ask because as far as I know these have always been caused by unexpected event, like natural disasters or devaluations, by fraudulent criminal behavior, or by excessive exposures to what ex ante was considered as safe but that ex post turned out to be very risky.
In other words since bank capital is there for the unexpected is it not dumb to require it based on the expected?
A risk weight of 0% for the sovereign, and 100% for We the People clearly implies you regulators all believe government bureaucrats make better use of bank credit than the private sector. Are you really such statists? Did you never consider that such dramatic rearrangement of economic power needed approval by for instance a Congress or a Parliament… or even a referendum?
Finally do you really believe that with such risk adverse regulations, layered on top of banker's own risk aversion, our economies would have developed as they did? Don't you see that banks are no longer financing the riskier future but only refinancing the "safer" present and past? Don't you see this decrees inequality?
PS. FT's / Financial Times Establishment, notwithstanding my soon 2.500 letters to it on "subprime bank regulations" has also steadfastly refused to help me get answers to these questions.
PS. And here is one evidence of that I have posed my objections during formal consultations by the Basel Committee
PS. And I dreamt I got this letter with their answers!
PS. And I am 100% for the 10% on all assets capital requirement for small banks in the Financial Choice Act. I just hope it was applied to all banks, foremost the biggest, as these need it the most, as we need these to be better capitalized the most.
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The breakfast is served at Eve and opens at 7 A.M but should you wish to have breakfast earlier than 7A.M, we organize breakfast boxes. The kitchen's last order is at 10.15 A.M and we start clearing the buffet at 10.30 A.M in the restaurant.
3/250 Soi Mahadlekluang 2, Rajadamri Road,
Bangkok, 10330 Thailand
3/250 ซอย มหาดเล็กหลวง 2 ถนน ราชดำริ
เเขวง ลุมพิณี เขต ปทุมวัน กรุงเทพ 10330
Latitude: 13.7402435
Longitude: 100.5409426
+66 2209 1234
+66 2250 7761-2
+66 2251 9377
Hansar Bangkok is approximately 28 km away from Suvarnabhumi International Airport (BKK) and 23 km away from Don Mueang International Airport (DMK)
By BTS (Skytrain)
Within 150 meters is the closest BTS Skytrain Station Ratchadamri.
By MRT (Metro)
1 kilometer from Hansar Bangkok is the MRT Metro Station Silom.
By Taxi
Taxis are always available at the airport and cost approximately 400 THB per one-way journey. Charges for toll fees are added to the fare on the meter.
Hansar Bangkok Hotel is centrally located on Ratchadamri Road. Not all taxi drivers may be aware of our discrete location. When arriving to the hotel, we suggest to use the street description "Ma-had-lek-luang 2". The contact card below entails contact information in Thai for local taxi drivers.
By Car
It takes about 45 minutes to reach Hansar Bangkok by car from either airport. We can pick you up in one of our BMW 5 Series or Isuzu MU-X. For more information about our Limousine service and pricing please click the button below:
Siam Paragon - 1000 meters away from the hotel
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Central Embassy - 1100 meters away from the hotel
USA - 800 meters away from the hotel
United Kingdom - 1300 meters away from the hotel
Germany - 2500 meters away from the hotel
Lumpini Park - 900 meters away from the hotel
Royal Bangkok Sports Club - 350 meters away from the hotel
Erawan Shrine - 550 meters away from the hotel
BNH Hospital - 2200 meters away from the hotel
Bumrungrad Hospital - 2000 meters away from the hotel
Police General Hospital - 400 meters away from the hotel
The breakfast is served at Eve and opens at 7 A.M but should you wish to have breakfast earlier than 7A.M, we organize breakfast boxes. The kitchen's last order is at 10.15 A.M and we start clearing the buffet at 10.30 A.M in the restaurant.
All of our guest rooms and floors are non-smoking. However, we do have designated smoking zones within the hotel's public areas.
The hotel has a limited number of Luxury suites featuring a private balcony, thus having one in your room cannot be guaranteed and is subject to availability.
Only a few of our Urban suites have twin beds. The rest of our suites feature king-sized beds only. If you wish to have twin beds, we can arrange an extra bed of 3ft.-size for the 2nd person with our compliments.
At Hansar Hotels & Resorts, our approach to events is a personalized one where we believe in doing things differently. For information about planning a meeting or event, contact our Banqueting Team. You may also fill out Hansar Event Planner online and one of our representatives will respond within 48 hours. For more information, visit our Meetings & Events page.
With our valued guests' utmost comfort in mind, the hotel policy allows a maximum of three (3) guests per suite, with the 3rd person being accommodated with a chargeable extra bed. We highly recommend you to reserve two (2) rooms for your utmost comfort and a pleasant stay.
Our meeting rooms can accommodate up to 200 guests.
You can always contact our reception by dialing +66 2209 1234 and one of our associates will be happy to assist you. If you wish to write an email, please send it to firstname.lastname@example.com . We would love to hear from you either way.
Easy. Press for "BOOK NOW" area on the homepage and you will be prompted to enter your dates of travel, after which you will see a list of our suites and packages. Follow the steps and your reservation will be completed in a few moments.
Normal check-in time is 3:00 PM and check-out time is 12:00 noon. Please note that we charge an additional THB 2,500++ for early check-in and THB 3,500++ for a late check-out at 8:00 PM and that they are subject to availability.
The nearest train station from the hotel is the Ratchadamri BTS station, on the light green BTS line (sky train).
All of our suites include the following amenities: hair dryers, irons and ironing boards. Washing machine, along with pillow menu and daily newspaper. All accommodations offer complimentary minibar replenished daily and High-Speed Internet access. A unique selection of snacks and other lifestyle items are also there to make you feel at home.

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Italian Yachts presented its new flagship the 92 Jaguar at a private party in Monaco on the month of April. The new 92 Jaguar flagship from Italian yachts follows latest trends of having an invisible flybridge second helm on top of the hardtop. For the 92 Jaguar, long time famous Italian designer Paolo Caliari followed more traditional Italian open hard top looks similar to those of the 80, and now stopped in production 76. But Italian Yachts also used innovation by testing the design in a wind tunnel which resulted in producing a lower to the usual height for this size of Super Sport Yacht. The lines of the 92 are not as revolutionary and aggressive as the 72 Jaguar which was launched in the middle of last year, but the idea of the fore peak deck with a settee and sunpad follows the inspiration of the smaller model. The 92 Jaguar surprises for its amount of accommodation inside with a main living deck area which can nearly compete with those of a traditional full flybridge motor yacht. Sleeping accommodation for guests is for four double cabins, with owners stateroom to midship, a VIP room to fore, and two double guest cabins in between. Having a separate entrance and located to mid ship is a galley, crew lobby, and two crew cabins. Power is for twin MTU 1920hp engines with surface which give a top speed of 35 knots, and 27 at cruise.
Technical Data:
LOA - 28.00 m (91.8ft)
Waterline Length - 22.7 m
Beam - 6.50 m
Draft - 1.10 m
Displacement - 56 t dry, 68 t loaded
Fuel Capacity - 8500 l
Water Capacity - 1300 l
Max Persons - 20
Accommodation - 8 guest berths in 4 cabins, 2 crew cabins sleeping 4
Engines - 2 x MTU 12v2000 M94 1920hp
Propulsion - ZF Searex surface drives, line shaft
Speed - 35 knots max, 27 knots cruise with surface drives
Hull Shape - Vee with medium ten degrees aft, 28 degrees to midship deadrise
Hull Shape - Vee with medium ten degrees aft, 28 degrees to midship deadrise
Project - Paolo Caliari hull, Roberto Angel and Jaguar Yachts interior
Certification - CE A, modules B+F+Aa Sound Emissions RINA


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- Fonds
- 1904 - 1997
The Abe Yanofsky fonds consists of textual records, photographs, memorabilia, and artifacts that relate to his education, his legal and political careers and his involvement in the world of chess.
Yanofsky, Abe
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The Abe Yanofsky fonds consists of textual records, photographs, memorabilia, and artifacts that relate to his education, his legal and political careers and his involvement in the world of chess.
Yanofsky, Abe
Aberdeen Mennonite Brethren Church Fonds
This fonds consists of the following series: Membership and family records including a history of the church (in the German Gothic script), baptisms, births, and deaths; financial records including church land transaction records, records of missi...
Aberdeen Mennonite Brethren Church
Aberdeen Mennonite Church fonds
This fonds consists of bulletins (1982-2000), newsletters (1982), minutes (1976-2000), annual reports (1956-1996) and constitution([197-]) The records pertain to the development of the Mennonite congregation at Aberdeen, Saskatchewan and they docu...
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This fonds consists primarily of correspondence, official negotiation, and memoranda of the Study Commission sent to North America by Mennonites in Russia in 1920-1921 to investigate migration to North America. Also included is similar material fo...
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Abraham A. Huebert (1884-1965) fonds
The Abraham A. Huebert fonds consists of a small amount of correspondence, some poetry created by Huebert, and many Russian and German sermon notes written by him. Most of these are on very small pieces of paper, closely written, on both sides. So...
Huebert, Abraham A., 1884-1965
Abraham A. Unruh (1903-1988) fonds
The Abraham A. Unruh fonds consists of sermons and teaching notes, typed in the English language, relating to his missionary work in India and letters to and from A.H. Unruh pertaining to the Board of Reference and Counsel of the Canadian Conferen...
Unruh, Abraham A., 1903-1988
This fonds consists of transcribed and translated letters written to Dr. Abraham B. Hiebert and his family by family and friends in Russia, United States, and Canada. Some letters are general correspondence, others are letters requesting medical a...
Hiebert, Abraham B., 1847-1914
The fonds consists of significant historical documents: personal papers,photographs, canonical documents and instructions from the CMS, and some research material apparently collected by TCB Boon. One letter signed by William Cochrane dated [1845]...
Cowley, Abraham
Abraham D. ("A.D.") Friesen Fonds
This fonds contains some personal correspondence, a record book of bread loans (Brotschuld) in 1874 and 1875, a document concerning Mennonites and the conscription law in Saskatchewan in 1918. There are also a number of scrapbooks containing newsp...
Friesen, Abraham D., 1886-1975
This fonds consists of research files and primary material collected by Abraham D. Stoesz for the purpose of publishing a Stoesz book. There are letters, documents inherited from his father and other ancestors, birth and marriage certificates, cit...
Stoesz, Abraham


text: Posted October 9, 2017 I have a minor annoyance maybe one of you out there could help me fix. I am a part time Stock trader I run synergy between a mac, desktop i built with 4 monitors, and a laptop that has 2 screens attached one mimics the laptops screen. Pic attached Here is what I wanted to figure out a fix for- the main Host screen is the one under the top left screen and works perfect to get to mac to left but in order to get to laptops screens I have to go to right of top right screen when going threw the screen under it would make way more sense I've tried some configuring in synergy and display settings. Its definitely a first world problem just thought maybe somebody has had this issue and wouldn't mind throwing the fix to me. Thanks in advanced for anyone who takes the time to help me out. Share this post Link to post Share on other sites


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Fall is the festive season in Vienna. There are the traditional annual events—from the Halloween parade to the Church Street Holiday Stroll and everything in-between—to new multi-generational activities. Local holiday craft fairs and bazaars are big, as are elementary school book fairs, a great place to buy holiday gifts for children that not only make them happy, but, support the schools as well. One of the nicest parts about school book fairs is that anybody can visit and buy.
The Vienna Choral Society performs in concert in early fall and then again during December, and the Vienna Theatre Company appears in the first of the new season's theatrical productions.
The Town of Vienna newsletter comes out monthly and highlights events sponsored by the town and by other organizations, including civic associations and clubs. Go to http://www.viennava.gov/Archive.aspx?AMID=43&Type=Recent to access Town of Vienna newsletters.
FALL FUN BEGINS with the Fifth Annual Oktoberfest—sponsored by the Tysons Regional Chamber of Commerce™—Saturday, Oct. 6; 11 a.m. to 7 p.m.; Town Green and historic Church Street.
The all-day family fair features live entertainment on two stages, a main stage and children's stage, beer garden, food vendors, live music, children's activities and a festival marketplace. A German band plays from 11:30 a.m. to 1:30 p.m.
There will be a special ceremony recognizing the Freeman Store's listing on the National Register of Historic Places during Oktoberfest.
See www.vtrcc.org for more information.
*66th Annual Vienna Halloween Parade begins at 7 p.m. on Wednesday, Oct. 24, at Branch Street and Maple Avenue. Every year a new theme is presented and this year's theme is "Celebrating Holidays Around the World." Santa Claus serves as the grand marshall, bringing Christmas to Vienna early. Marchers are invited to dress in the holiday style of their choice, representing any place in the world.
The Halloween Parade is Vienna's most eagerly-anticipated annual event. Many of the parents toting their children to the parade once stood along Maple Avenue as children themselves, watching the parade.
*52nd Annual Holiday Bazaar organized by the Vienna Women's Club will be held on Saturday, Nov. 10, 9:30 a.m. to 4 p.m., at the Vienna Community Center, Cherry Street. Admission is $2.
The club sells hotdogs, chips and canned drinks for lunch and hosts a bake sale. The bazaar also features a used book sale and Aunt Alice's Attic, specializing in knick-knacks.
The fair, the only fundraiser hosted by the Vienna Women's Club, features approximately 80 vendors selling holiday crafts, jewelry and giftware. The club awards scholarships to high school graduates, as well as funding projects for Vienna's elementary schools.
*10th Annual Vienna Turkey Trot 10K, 5K and 1 Mile Fun Run will be held on Sunday, Nov. 18; Packet Pickup & Registration is at 7 a.m., 10K race start time and 5K race start time is at 8:15 a.m. The 1-Mile Fun Run starts at 9:15 a.m. Race begins and ends at the Vienna Volunteer Fire Department, 400 Center Street S, Vienna.
Proceeds from registration benefit James Madison High School Marching Band and the Vienna Volunteer Fire Department. Fees to enter each event.
This event draws runners from throughout the area, as well as elected officials.
To register or for more information, visit www.viennaturkeytrot.com.
*The Vienna Theatre Company will present "See How They Run" Oct. 19, 20, 26, 27, Nov. 2 and 3 at 8 p.m. and Sundays, Oct. 28 and Nov. 4 at 2 p.m. Tickets go on sale this week at the Vienna Community Center.
Performances are at the Vienna Community Center, 120 Cherry St. SE, Vienna.
Ticket prices for this production are $13 general admission and $11 for seniors aged 65 and over and students.
To learn more about the production or to buy tickets, go to www.viennatheatrecompany.org/index.php.
*Northern Virginia Handcrafters Guild Art & Craft Showcase will be held Friday, Nov. 25, and Saturday, Nov. 26, 10 a.m. to 5 p.m.; Sunday, Nov. 27,11 a.m. to 4 p.m., at the Vienna Community Center, 120 Cherry Street, SE
This annual Thanksgiving weekend arts and crafts showcase simply screams "holiday." The 30th Annual NVHG Art & Craft Showcase features more than 80 juried artisans offering
original handmade arts and crafts, including decorative painting, fused glass, stained glass, ceramics, pottery, hand-painted silk, etched glass, woodworking, handweaving, photography, pencil sketching, wearables, jewelry, etc.
Admission $3. For additional information, email: email@example.com
*Historic Church Street Holiday Stroll is scheduled for Monday, Nov. 26, 6 p.m. The annual Holiday Stroll on historic Church Street is held the Monday evening after Thanksgiving.
Santa Claus arrives atop a screaming antique fire engine and helps Mayor M. Jane Seeman light the town holiday tree. Santa Claus moves to the Freeman House—the heart of the celebration—and listens to their Christmas lists from the front porch. There's a popular petting zoo and the caboose, decorated by the Ayr Hill Garden Club, and open to the public. You can roast marshmallows on sticks over open fires and stroll among the shops open.
Church Street is closed to vehicular traffic for the evening between Lawyers Road and Mill Street.


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The 'Great Recession' of 2008 was brought about by reckless lending. The aftermath left the credit market in an extreme tight squeeze whereby corporations were frightened and hesitant to spend. Cost cutting led to massive layoffs leaving people with no money, therefore, 'aggregate demand' dropped! Economists, led by the then FED Chairman Ben Bernanke, believed that the solution to this problem lay in generating demand by using the 'easy monetary policy' as propagated by the 'Keynesian Theory'.
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This famous economic theory is named after the British economist, John Maynard Keynes, who published this theory in his book, "The General Theory of Employment, Interest and Money" in 1936. The basic principle of his theory is to generate aggregate demand with a combination of both fiscal and monetary policy.
The Central Banks, led by the FED, embarked on a journey in order to stimulate demand by using the monetary policy route.
The FED and developed nations dropped interest rates to zero which failed to kick-start demand. They followed this up by huge 'Quantitative Easing' programs, in other words, by printing money out of thin air. Even this failed to accelerate the 'cumulative demand'.
After six years of failure, attempting to generate demand, the Central Banks are experimenting with 'negative interest rates policy' (NIRP). Although NIRP has been in force in the Eurozone since 2014, it has not produced any noticeable positive results. Yet, the ECB President Mario Draghi continues to inflict negative rates into negative territory, in hopes of generating demand. Japan is another large global economy using the NIRP policy, however, the policy is resulting in the opposite effect. Japanese citizens are hoarding their cash and investing in gold, as a result of NIRP.
Why did all of this QE, ZIRP and NIRP fail to generate demand? The main reason, in regards to this question, is that the effects of the 'easy monetary policy' never trickled down to meet the needs of the working class people. I feel certain that you are most likely no better off in terms of obtaining credit as compared to that of a decade earlier. The banks are no longer willing to lend.
According to the World Economic Situation and Prospects 2016: In a United Nations report, the banks preferred to park their money with the FED and earn a risk-free interest rate return rather than lending it to the public. The Banks parked $1.6 trillion during the period from 2009 to 2015 as compared to an average of $200 billion during the preceding eight-year period of 2000 to 2008.
With the FED trying to raise interest rates, the banks will earn higher interest rates and are most certainly unlikely to begin lending, anytime soon.
According to the UN report, although the developed economies have maintained an ultra-low interest rate policy, the private investments in 5 of the 20 global economies have declined within the 2010 to 2015 period to lend as compared to the 'pre-crisis era' of 2007. The rate of growth, in those 17 economies, post the financial crisis was lower as compared to the 'pre-crisis years'.
The U.N. report also points out that the growth rate in the developed economies has been halved, since the crisis. Even the employment numbers are discouraging; there are 12 million more unemployed people as compared to what existed in 2007.
Inflation throughout the developed nations is languishing well below the comfort zone of the Central Bankers. Excess money in the economy, throughout the developed nations has been used by corporations and the wealthy in order to inflate 'asset prices'.
Since the failure of the current 'monetary easing programs', a few experts have reverted back to the philosophy of the American economist Milton Friedman and his idea of 'Helicopter money', which is published in his paper, "The Optimum Quantity of Money" which was written in 1969.
Mr. Friedman wrote: "Let us suppose now that one day a helicopter flies over this community and drops an additional $1,000 in bills from the sky, which is, of course, hastily collected by members of the community. Let us suppose further that everyone is convinced that this is a unique event which will never be repeated."
Interpreted, the basic idea is to directly provide the people with money which will, in turn, encourage them to spend rather than the current indirect method which has failed to reach the working class people.
This idea has found many supporters, including the former Federal Reserve Chairman Ben Bernanke as well as the Financial Times' Chief Commentator Martin Wolf.
However, once people start receiving 'free money', the problem is that they become dependent on it and this makes it virtually impossible to cease the drops. This becomes detrimental to the entire society.
So, what options are left?
The unsung genius, Kondratiev, and his economic business cycles will 'play out'. We will witness a debilitating period of 'contraction and crisis'. This period is most likely to begin very soon and persist for another 3-5 years! I am labelling it as the 'Great Reset'. During this period of time, a few nations will default and the Eurozone will likely break apart. I forecast fiat money will be under a serious and severe threat. The world will see gold and silver as a true store of wealth and security and eventually the entire global economy will stabilize and grow, yet once again!
There are many ways traders and investors can profit and avoid much of the turmoil that is about to unfold globally in various assets like stocks, bonds, currencies and commodities.
Follow my simple long term ETF trades and prosper during a time with most individuals will be lose the majority of their capital/wealth, investments.
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[Image Courtesy of Wikipedia]


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see the link provided for factors taken into account for "Usability"
A Gui of a Securitysolutions is in my opinion not a reason to select a product!
Normaly i will install a Security Software and i hope i will never see the GUI again
Yes the launchpad is not the best solution but i don´t care if i need to klick 2 or 3 times to get to the Userinterface.
The main reason for a Securitysolution for me is:
Not heavy on my machine and good protecion!
I trieded a lot of solutions but FOR ME F-Secure is the best.
No slowdown and a good protection!
I use it on the machines and i have never had any malware!
So i have to say: Thanks for the protection F-Secure!
Hi Hexo,
I do agree with you that F-Secure is a very good product.
However, according to AV Comparatives there are 10 products with a detection rate between 99% and 99.8%.
Now a normal/regular consumer will choose a product with a familiar look, which will make the user comfortable to use, not one with a weird interface.
Still not clear why F-Secure needs an icon in the task bar /bottom right corner which will send me instantly to F-secure website to buy something else , and how this is beneficial versus having an icon which will open F-Secure interface.
Well, enough talk about this issue, let's move forward.
"which will send me instantly to F-secure website"
there are 2 or 3 aplets to select, and if you select "F-Secure" then it leads to website.
And, I guess it should display link to website not just "F-Secure" text...
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Cleanzine: your weekly cleaning and hygiene industry newsletter 5th December 2019 Issue no. 897
Your industry news - first Number 1 for Recruitment
We strongly recommend viewing Cleanzine full size in your web browser. Click our masthead above to visit our website version.
Soapbox: Sanitation Canada... What would happen if it came here?
Marc Ferguson, international business development manager for Kaivac, developer of the No-Touch and OmniFlex Cleaning Systems, which are sold in Canada, writes about the global spread of epidemics
In February 2003, a doctor who had been treating people with atypical pneumonia cases in China flew to Hong Kong to attend his daughter's wedding. He was staying in a local hotel when he began to develop symptoms similar to those of the patients he had been treating. In less than 24 hours, this illness, which would soon be known as severe acute respiratory syndrome, or SARS, would spread to approximately a dozen other hotel guests, including a 78-year-old woman from Canada.
The Canadian woman returned home to Toronto on 23rd February and within days started developing symptoms similar to those of the doctor. She died on 5th March, 2003 from the illness. From here, the SARS epidemic in Canada spread in two distinct outbreaks, one in April and then another in July 2003. According to the Canadian Environmental Health Atlas: "In total, 44 people in Canada died from SARS, approximately 400 became ill, and 25,000 Toronto residents were placed in quarantine."
While the SARS epidemic was actually very short lived, in total the World Health Organisation says more than 8,000 people worldwide became sick with SARS and at least 774 died of the illness. Further, SARS had a devastating economic impact on Toronto. Tourism there sustained a $350 million loss, and retail sales declined by $380 million compared with usual seasonal business.
SARS was probably the last worldwide public health emergency before Ebola. And now with a case of Ebola reported in Spain and one of the three Ebola sufferers in the US having lost his life yesterday, the concern many in public health and in the professional cleaning industry have is, what would happen if Ebola came to Canada? We saw how quickly and relatively easily SARS spread. This tells us that we cannot view the Ebola epidemic as something that is 'happening over there', referring to Africa, especially now that it has made its way to North American shores and Continental Europe.
Addressing concerns about Ebola, Canadian Prime Minister Stephen Harper admitted that Canadian health officials are concerned about the spread of the disease in Canada but, at least as of August 2014, believe the risk to be low. However, Dr. Jay Keystone of Toronto General Hospital is very concerned about Ebola making its way into Canada, if for no other reason than it is, as he calls it, the worst outbreak the world has ever seen. "It's crossing borders because it is centered in cities instead of villages [in Africa]. In villages, everybody leaves and soon it is over. In cities, it moves across borders [because] people are hiding their cases."
While Prime Minister Harper maintains that "the risk is low" in Canada, the reality is that countries around the world, including Canada, are ramping up their efforts to stop the spread of the disease. At this time, most of these precautions are occurring at what are called 'border entry points', specifically airports. Canada has the Quarantine Act, a law that requires all travellers - including air travellers, to report any illness upon entering the country and requires airport authorities to identify any passengers they suspect of being sick.
While this plan of action is far from infallible-and is very dependent on personal, subjective observation-it has proven effective in some cases. And now that Canadian border entry point authorities are being briefed on the signs and seriousness of Ebola, it is hoped that it will prove even more effective in the future.
Further, it is widely believed that the 2003 SARS outbreak was a wake-up call for Canadian hospital and health authorities. Infection-control systems that were not available a decade ago are now in place to help stop the spread of infection. And it is widely believed that Canadian medical facilities have some of the most sophisticated infection-control systems in the world.
Just as did the healthcare sector in Canada, the professional cleaning industry in North America learned quite a bit from the SARS outbreak. For instance, many high-touch areas that were rarely cleaned in hotels and office buildings - everything from elevator push buttons to door handles - became part of every cleaning routine. However, the most important thing learned was how infections can spread and how the professional cleaning industry is the first - and one of the most vital - lines of defence against the spread of disease.
The first step in preparing the professional cleaning industry for any potential outbreak of Ebola in this country is very simply to understand it. Understanding helps eliminate fears and misconceptions. For instance, there is a belief among many that just touching someone with Ebola can spread the disease. This is not true; however, if you have a cut on your skin or the infected person sneezes or coughs in your presence, then there is reason for concern-and it is a big concern. Often one of the first symptoms of Ebola is what is referred to as a 'hacking cough', which spreads the infection to other people and to all kinds of surfaces.
This leads us to the second way we can prepare for an Ebola outbreak or similar public health scare, and that is to try to avoid contact with surfaces when cleaning-whether directly or indirectly. Because this is serious stuff we're talking about here, let's use the following descriptive scenario as an example.
Suppose a member of your cleaning crew was cleaning a toilet used by someone infected with Ebola, and let's suppose Ebola germs and bacteria were present on the rim of the toilet or in the bowl water. By cleaning the toilet using traditional methods-cloths and spray bottles-there is the possibility that minuscule droplets of these germs and bacteria will come into contact with the cleaning worker's eyes or be inhaled, finding their way onto mucus membranes. The risk is high and very serious.
To avoid this risk, possibly the best option for cleaning, especially for cleaning washrooms, is to transfer to what ISSA, the worldwide cleaning association, refers to as spray-and-vac or no-touch cleaning systems. While gloves and goggles are recommended with this method-as in all cleaning-the cleaning process allows the user to keep a safe distance away from contaminated or potentially contaminated counters, floors, and fixtures. This distance serves as a barrier, protecting the health of the cleaning worker.
While somewhat less comprehensive but still effective, another option is to avoid cleaning floors using traditional methods. Suppose once again that the Ebola virus is on a hard surface floor. Unless a disinfectant cleaner designed to kill the Ebola virus is being used, there is a good chance that the mop will actually spread the virus to other areas of the floor, increasing the chances of it being passed on to the cleaning worker or building users. A simple way to avoid this is by using a trolley bucket to dispense fresh cleaning solution directly onto the floor. The solution can be brushed into the floor and then vacuumed up, either by using a wet/vac or a vac system designed specifically to work with some trolley buckets. This process is safer for the cleaning worker and invariably faster.
Very often when a public health scare develops in a faraway part of the world, not only is there a belief that it is just 'happening over there', but also few protections are implemented should it spread 'over here'. The Canadian healthcare sector is not taking this approach with Ebola, and neither should the professional cleaning industry. Preparedness now is key to minimising the spread of this disease, here as well as around the globe.
9th October 2014


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- Ericsson has been selected by Landmark to build communications infrastructure for its intelligent microgrid ecosystem across North America
- The program includes Ericsson's Zero Site communications platform, cloud, core and IoT software solutions
- Ericsson will provide microgrid management, integrating communications for the industrial IoT with battery storage applications and grid-control software
Ericsson (NASDAQ: ERIC) has been chosen by leading real estate and infrastructure firm Landmark Dividend LLC, the sponsor of Landmark Infrastructure Partners LP (NASDAQ: LMRK), to provide its Zero Site communications platform and communications infrastructure at sites across North America. Ericsson will deploy its Zero Site solution, cloud, core, backhaul and Internet of Things (IoT) software solutions, bringing innovative 4G, 5G and IoT use cases into industrial grid management.
Project deployment will begin immediately with Ericsson Zero Site, a multi-application pole solution jointly developed with Philips Lighting. Zero Site will enable Landmark to densify its sites, generate rental revenue through site leasing and offer high-speed broadband across the United States and Canada.
Ericsson will add its cloud, core and IoT software solutions to build and support a Landmark network with enterprise and energy-management applications.
Tim Brazy, Chief Executive Officer of Landmark Dividend, says: "As data consumption continues to grow exponentially and the widespread adoption of the IoT unfolds, expanding and densifying existing network infrastructure will be critical to wireless service providers. We are very excited to partner with Ericsson, a global leader and innovator of the IoT and Smart City platforms, and we look forward to providing customers with high-value solutions through our microgrid ecosystem and the Ericsson Zero Site offering."
Eric Boudriau, Head of Industry and Society, Market Area North America, Ericsson, says: "This contract is an excellent example of how industrialized IoT use cases between utilities and telcos open up new business models and unleash new opportunities in a growing renewable energy market. It is fully aligned with Ericsson's strategy and expansion of business into a new industrial segment while using existing telecom and IoT assets for the betterment of society through a focus on sustainability."
About Landmark Dividend LLC
Landmark Dividend is an infrastructure-focused investment company operating globally to finance and acquire telecommunication, outdoor advertising, utility-scale solar, wind, transmission and battery storage projects and related real property interests. Formed in 2010, Landmark Dividend is a private company and is one of the largest acquirers of real property interests underlying the operationally essential infrastructure assets in the wireless communication, outdoor advertising and renewable power generation industries.
Landmark Infrastructure Partners LP (the "Partnership") (NASDAQ: LMRK) is a publicly-traded subsidiary of Landmark Dividend LLC. The Partnership is a growth-oriented master limited partnership formed to acquire, own and manage a portfolio of real property interests and infrastructure that it leases to companies in the same wireless communication, outdoor advertising and renewable power generation industries.
For media kits, backgrounders and high-resolution photos, please visit www.ericsson.com/press
www.linkedin.com/company/ericsson www.youtube.com/ericsson
Ericsson zero site solution
News Center
(+46 10 719 6996)
(+46 10 719 00 00)
Marcelo Choi, VP, Investor Relations
(310) 598-3173
Ericsson is a world leader in communications technology and services with headquarters in Stockholm, Sweden. Our organization consists of more than 111,000 experts who provide customers in 180 countries with innovative solutions and services. Together we are building a more connected future where anyone and any industry is empowered to reach their full potential. Net sales in 2016 were SEK 222.6 billion (USD 24.5 billion). The Ericsson stock is listed on Nasdaq Stockholm and on NASDAQ in New York. Read more on www.ericsson.com.


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BP's Incentive: To Not Capture All the Oil.
hile they have every incentive to get the well killed, BP also has every incentive to not capture 100% of the well flow until they do. As soon as they do capture all the flow, then a real, measurable number will be in front of the public, and that's the last thing BP wants, since that number will then be used to extrapolate environmental damage, hence per barrel fines that will likely run to the tens of billions anyway. What bewilders me is why the government is letting them get away with it. Where is the Coast Guard, Steve Chu, the EPA, and the new Bureau of Ocean Energy Management? Where is the White House? Where is the main stream media? Are industry bloggers the only ones who are asking these questions?
The questions raised here indicate what many have known for some time; BP is totally in control here, not the US government.


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Man convicted of planting Fremont bombs
HAYWARD — An unemployed crime lab technician has been found guilty on all 11 counts, including attempted murder, for planting bombs under the homes of Fremont's police chief and other city officials.
The verdict, reached Thursday but read in Alameda County Superior Court early Friday, followed a week of deliberations and months of testimony in the case.
Rodney Blach, 54, has said federally trained agents carried out the six bombings, and that he was being framed.
His lawyer, William Linehan, argued the case was largely circumstantial, relying only on Blach's motive and opportunity. He said he was disappointed with the verdict and would ask for a new trial.
The six bombs were planted during a 48-hour period in March 1998.
The first one ripped a 10-foot hole in the roof of police Chief Craig Steckler's home and set the front porch on fire. The same afternoon, City Councilman Bob Wasserman, Steckler's predecessor as police chief, found an explosive in a brown paper bag on his front walk. Authorities defused that bomb.
Two pipe bombs damaged newly constructed homes and another explosive went off at a water tank. Police detonated a sixth bomb.
No one was injured.
Blach, who was a chemical engineer with the Chicago Police Department crime lab from 1974 to 1979, taunted investigators and seemed to savor his role as a suspect during the 18-month investigation.
He said he planted keys in his San Diego home and taped notes with clues beneath his desk and a shaving cream can to see if investigators could find them. He lived in the Fremont neighborhood where he planted the bombs, but moved to San Diego after he became a suspect.
Blach, who had no prior criminal record, has been described by acquaintances as a conspiracy theorist. According to grand jury testimony, he planted a pair of time-delayed pipe bombs under a Fremont home because he thought it was going to be bought by a prominent family he considered to be the "Afghan Mafia."
The less potent explosives at the homes of the police chief and city councilman were diversions, according to court records.
Prosecutors said Blach had a long-standing grudge against Fremont resident Terry Lee Ritter, 48, and his wife, Shamim Siddiq Ritter, 42, a real-estate loan agent. He believed they had purchased the $1.4 million-plus Corte del Sol home.
However, the family neither bought the house nor moved in. When the bombs did detonate in March 1998, a girl from a different family that had purchased the residence was shaken but not injured. Investigators believe Blach could face life in prison.


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Football Manager 2018 Crack only + PC Free Download
Football Manager 2018 Crack only + PC Free Download will be released on Friday 10 November, Sports Interactive has revealed. In fact, it'll be with you even earlier if you pre-order through a Sega-approved digital retailer, as you'll get the beta two weeks more prior. And yes, saved games are transferable to the final product. Plus if you pre-purchase before Monday 9 October, you'll get a "contract extension bonus" discount of 25% off Steam or Sega store purchases.
Football Manager 2018 Crack only + PC Free Download is now in its 12th year, meaning that you could now make a full football team with the boxes of every copy from 2005 to last year's outing. Of course, the series has a history longer than that, emerging from the ashes of Championship Manager after Sports Interactive lost the naming rights to its original publisher Eidos. Including those titles, the franchise dates all the way back to 1992.We've seen a lot of changes along the way, and last year's outing introduced a customizable manager avatar to appear on the touchline, STATS (formerly Prozone) statistics and Fantasy Draft, which allowed players to compete in multiplayer mini-leagues based on a pool of players and balanced budgets. What does Football Manager 2018 Download hold for us?
Football Manager 2018 Crack only + PC Free Download
For the moment, officially confirmed features are not just thin on the ground – they're non-existent. That's not unusual. This time last year, all we had was The Mirror's cruel April Fool's Day prank suggesting that mascots could be customized to dance on the touchline. Suffice it to say; it didn't happen.All we have at the moment is the hint that Football Manager 2018 Review + Download may be getting a match engine visual boost – or it might just be more animations. All we have is this Instagram post showing a motion capture setting of two actors lifting what is probably an imaginary trophy.
Football Manager 2018 Crack only + PC Free Download
That's not to say that things aren't happening behind the scenes – indeed, features that will be in this year's version may well have been the works for 18 months or more, as this fascinating interview with Football Manager 2018 Crack only creator Miles Jacobson reveals. Jacobson told FourFourTwo in November: "An initial feature set was put together for Football Manager 2018 in March last year, so now we'll have meetings to go through new things we want to happen in the new game."Normally we've got a few features that people have been working on in advance – not everything can be done in a year. So if we wanted to have some new fancy technology that might take a team of two people 18 months to do, they'd be working on that for one of the future games. There are some things in Football Manager 2018 Crack only + PC that we've been working on for multiple years, and there are some features for FM 18 that people who finished their work on '17 have already started working on."
In the past, Football Manager 2018 Crack only Download has been announced around August or September, and the headline features published along with the release date. We'll be updating this as soon as we hear anything concrete, but it seems likely the game will continue its model of having a "full fat" management version for PC and Mac and a streamlined "touch" version for tablets and mobile (with a desktop version also available for cloud-based careers).
Football Manager 2018 will be released on Friday 10 November, on PC, Mac, and Linux. Football Manager Touch 2018 (PC, Mac, Linux, iOS, and Android) and Football Manager Mobile 2018 (iOS and Android) will also launch on the same day.
Football Manager 2018: Our wishlist
- To be entirely fair to Football Manager, keeping up a wishlist for the series is hard work because there's so little left to fine tune without making it overly complicated mess. In fact, it's one of the life's little ironies, that a streamlined, pure mode was added recently for players who just didn't have the time to micromanage every single whinging player.
- Football season is well underway, and fans of the beautiful game have no doubt already spent hours on end tinkering with their fantasy football teams and agonizing over the fact that they included Gary Cahil in the starting lineup.
- On the horizon, there's also FIFA 18, and PES 2018, two of the most impressive looking console football games ever created and they'll both indeed be hard to put down when they're released in the weeks ahead.
- But let's be honest, when it comes to football games, there's only one undisputed champion, and that's Football Manager 2018 Review + Download.
- And today, SEGA and Sports Interactive have announced their first details for Football Manager Crack only, including a release date.
- That said, anyone who pre-orders the game from an approved retailer will be able to jump into the action at least two weeks before the official release date, thanks to a fully-playable Beta version.
- Single player careers started in the Beta can be continued in the full game.
- Windows Mac OS X SteamOS + Linux
- OS: Windows Vista (SP2), 7 SP1 that is(, 8/8.1, 10 (1703/Creators Update) – 64-bit or 32-bit
- Processor: Intel Pentium 4, Intel Core or AMD Athlon – 2.2 GHz +
- Memory: 2 GB RAM
- Graphics: Intel GMA X4500, NVIDIA GeForce 9600M GT or AMD/ATI Mobility Radeon HD 3650 – 256MB VRAM
- DirectX: Version 9.0c
- Storage: 7 GB area that is available
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Above are the current listings for Frostproof mobile homes for sale in Frostproof, Florida. Check back frequently, since the list changes daily! Some 55+ mobile home communities will allow residents as young as 40 years old to purchase a home. Certain restrictions apply. Please contact the listing agent for additional information about this policy. 'Lot Rents' vary depending on the park and the location in the park. (i.e. on a lake, corner lot etc.) 'Lot Rent' is listed as 'Condo Fee' on this software.
About Frostproof: Frostproof is located in Central Florida and close to LEGOLAND, Walt Disney World, the Sebring Raceway, and other Florida attractions.
The unique heritage and charm of Frostproof are qualities that many find irresistible.
There are some of the nations best fishing lakes are located in the Frostproof area, great golf courses, nature trails, state parks, are just a few of the many outdoor opportunities.
To learn more about Frostproof mobile home communities, contact American Mobile Home Sales of Florida today to find your relaxing oasis. Call 727-667-2400 for current listings and information. Local Office: 3118 Gulf to Bay Blvd.#140, Clearwater, FL 33759. Click here for a map of Frostproof FL.
Copyright © American Mobile Home Sales of Tampa Bay Inc. - all rights reserved.
Main Office Phone: 727-667-2400
3000 Gulf to Bay Blvd., Ste. 218, Clearwater, FL 33759
"All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. American Mobile Home Sales of Tampa Bay, Inc. cannot guarantee or warrant the accuracy of this information, measurements or condition of any property. Measurements are approximate. Please be advised that used properties will have typical wear, tear, and imperfections. The property will require at least, but not limited to, routine/normal maintenance by the buyer. American Mobile Home Sales of Tampa Bay, Inc. highly recommends a buyer inspection; if not performed by the buyer in person, then by a licensed and insured professional. The buyer assumes full responsibility for obtaining all current rates of lot rent, fees, and pass-on costs. Additionally, the buyer is responsible for obtaining all rules, regulations, pet policies, etc., associated with the community, park, or home from the community/park manager. American Mobile Home Sales of Tampa Bay Inc is not responsible for quoting of said fees or policies.
All American Mobile Home Sales of Tampa Bay Inc related trade names, logos, and other marks are the sole property of American Mobile Home Sales of Tampa Bay Inc and shall not be reproduced or otherwise used without the express written consent of American Mobile Home Sales of Tampa Bay Inc. Except to the extent required by law or as expressly provided herein, none of the Content, Forms, Documents, Pictures, and/or Information may be reverse-engineered, modified, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold, or redistributed without the prior written consent of AMHS. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use this website Pictures, Content, Forms, Documents, and/or Information in any way, unless expressly permitted to do so by American Mobile Home Sales of Tampa Bay Inc.
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text: This album of short Bach voluntaries ideal to play before or after the service, or during a break, such as the signing of the register in a wedding. With a mix of well-known favourites, such as Jesu, Joy of Man's Desiring and the less well known but exquisite "eight short preludes and fugues", the album is packed with excellent Bach pieces to accompany any service. Although there are 15 pieces listed, there are 26 tracks, as preludes and fugues are recorded separately and the Pastorale stretches over 4 tracks, keeping the "miniature" style.


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Pump up the relief against arthritis pain.
When arthritis pain flares up, tame it with soothing Icy Hot Arthritis Lotion. Pump out the amount you need and rub it in for long lasting relief.
Where to Buy Coupons
- Relieves painful flare-ups
- Long lasting formula
- Safe for use with oral medications
Temporarily relieves minor pain associated with:
- Arthritis
- Simple Backache
- Muscle strains
- Sprains
- Bruises
- Cramps
Adults and children over 12 years:
- Apply generously to affected area.
- Massage into painful area until thoroughly absorbed into skin.
- Repeat as necessary, but nor more than 3-4 times daily.
- Wash hands with soap and cool water after use.
Children 12 years or younger: ask a doctor.


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Events and Competitions
Conference for Teachers of German in New Zealand 2019
Saturday 6th July 11am to Monday 8th July 4pm
Goethe-Institut, 6th floor, Goethe-Institut-Haus, 150 Cuba St. entrance Garrett St., Wellington 6011
The biennial conference for teachers of German in New Zealand brings teachers from all parts of the country together in a German speaking environment to explore cultural developments and pedagogy.
Activating pupils is one of the most important – and sometimes most difficult – challenges any teacher faces. The Goethe-Institut Neuseeland has therefore put together a series of cultural events and competitions designed to help you motivate your pupils and to make learning German more fun.
"Autobahn" is an informative, interactive station game that provides many impressions and facts about the German-speaking countries, their culture and products. It's the perfect motivational game for students who are about to choose a foreign language, for beginners who are already learning German and even for parents.
13 interesting stations are set up in a large hall and surrounding corridors in which students solve puzzles, complete orders and independently acquire facts. There is lots to see, smell, laugh at and students also speak German, even without prior knowledge!
The game is suitable for up to 80 students, with students working in small groups. The game takes about 2 hours including an awards ceremony at the end. It is a fair competition and the groups can see the current score at any time. In the end, the winner is whoever has solved the tasks correctly and traveled the longest distance on the "Autobahn".


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Filters: Author is Leung, W. [Clear All Filters]
"Inverted polymer solar cells with a solution-processed cesium halide interlayer", Organic Electronics, vol. 14, pp. 267-272, 2013.,
"Metal-nanowall grating transparent electrodes: Achieving high optical transmittance at high incident angles with minimal diffraction", Optics Express, vol. 21, pp. 2393-2401, 2013.,


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- Holiday Bundles - Up to 35% Off
- Klee Kids Hair and Body Care
- Klee Kids Play Makeup
- Klee Girls Mineral Makeup
- Water-Based Peelable Nail Polish
- Mineral Face Paint
- About Us
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Ever tried to understand what on Earth is in your gooey face paint? We did. And its pretty scary!
This all natural face paint is a safe and healthy alternative to the ooey gooey we don't even want to think about. We use only FDA-approved natural colors and other earthy ingredients that are non-toxic and hypoallergenic. These paints are durable and easily wash off with water.
NO petrochemical ingredients - NO parabens - NO synthetic dyes - NO synthetic fragrances
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Gluten Free
Made in USA
PRETENDI NATUALI FACE PAINT: Copernica Cerifera (Carnauba) Wax, Ricinus Communis (Castor) Seed Oil, Pyrus Malus (Apple) Extract, Hydrogenated Soy Glyceride, Tocopherol (Vitamin E). MAY CONTAIN: Iron Oxides, Ultramarine Blue, Titanium Dioxide, Chromium Oxide Green, Carmine and Manganese Violet.
Directions: Apply directly onto face and body. To remove, use soap and water. Darker colors may leave a harmless stain on skin after extended use. Rub off with olive oil, coconut oil or other skincare or edible oils if necessary.
Product Dimensions: 3.1 in x 4.6 in x 1.1 in
Net Weight: 0.11 oz
Product Weight: 1.7 oz
Not for Children Under 3.


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Clients that pay a monthly fee are great: they provide stable income and the opportunity for bigger-scale projects to develop with the client. They are also a sign of trust from the client.
Monthly fee contracts are also tricky: how can we set a fixed monthly amount that covers all costs for that client? When is work outside of the contract and to be billed separately?
Here are a few pointers:
- Start with a short-term contract with your client. Doing a 3-month or 6-month contract at first will allow you to see the actual work involved monthly for that client, as well as expenses. This will help you not only figure out if the fee is appropriate for the work, but also show documentation to your client on actual time and expenses incurred.
- Write it down. Precisely. It doesn't matter how nice the client is. It doesn't matter how long you've been doing business with them. Spelling out exactly what work is included and what work is not included – especially what is not included – will provide a base to settle disagreements, should they happen. It also adjusts everyone's expectations.
- Figure out if it's profitable for your firm. After a few months (even a year) of working on a monthly-fee contract with the client, you'll have enough data to compare costs and revenues and decide if your profit margin on those contracts is high enough. Sometimes, low-margin contracts are a step in the door to bigger, higher-margin ones. Sometimes, they don't pan out. It's important to decide if, as a business, you're willing to keep low-margin contracts.
What about you? What are your thoughts on monthly fee contracts?


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Purkelly Limited0207 272 4664
At Purkelly, it's experience that gives the edge and when you add top quality work and the resources to do the job it's no wonder our clients have confidence in Purkelly and keep coming back.
We have a core of long serving highly professional staff: working directors, managers and site foremen who provide comprehensive and continual supervision on site throughout each contract.
Because no two contracts are ever the same, we operate a flexible working system and build each project team around the individual skills required for that job.
foundations planning and building regulations consultancy
traditional, pad & beam, piled underpinning solutions
basement design, building regulations, creation and extension
new foundations, drainage and retaining wall construction
superstructure brickwork repairs, re-pointing & rendering
repairs of subsidence damaged roof, chimneys and drainage
internal carpentry, joinery, services, plastering and décor
Our base is located in the heart of our main operations area which means we can react rapidly when materials and specialist plant and equipment are demanded at short notice.
Getting in contact with Purkelly Limited
86 Victoria Road
Tel: 0207 272 4664
Purkelly Limited Products & Services


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Over the course of the past year and a half since the November 2010 election, I was somewhat absent from the political landscape. My absence was mostly due to personal obligations involving family, work, and other commitments. During this period, I maintained as watchful an eye as I could on the overall direction and climate of the political landscape. I attempted to keep up with current events in local, state, and national politics; but my time and availability limited my ability to be involved and engaged in related activities. I watched as many battles for liberty were fought at local, state, and federal levels. Some were won, and some were lost. Celebrate our victories, and learn from our losses; but do it quickly for there are more battles to be fought in this struggle. Our fight is no longer "like" war. It is war, albeit one fought with words and ballots instead of lethal weapons.
After prayerful consideration and discussion with my wife and family, we decided it is time to once again take up the cause. To that end, we will rejoin the fight alongside opponents of tyranny to defeat those who stand in stark opposition to freedom, liberty, and The Constitution. Marines are trained to run towards the battle, so count me in.
Game on.
Best regards,
— Stuart Bain


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Brown Queen
Fully rebuilt, these units come with all tools, hose and powerhead. These units come with a 1-year guarantee. FilterQueens have always been one of the best machines out there; here is your chance to own one for a fraction of the new cost!
Great value in this model! Comes with 2-year guarantee and all the tools, hose and powerhead to get your home clean, all the while saving you thousands off the new price of the machine!
Red Triple Crown
This unit comes with a 2-year guarantee, and it has all the tools, hose and powerhead as well. Maintained properly, this machine should last another 20 or more years!
Green Triple Crown
This unit has all the tools, the powerhead and hose. It comes with a 2-year guarantee and makes housework a breeze!
Blue Triple Crown
This is the current model being sold door to door for well over $2000! Get it here for a fraction of that! The machine comes with all tools, hose and powerhead. The unit also comes with a 3-year guarantee.


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Superdome crime more urban myth than real
Reports of New Orleans mayhem probably exaggerated, police say
New Orleans police now say that reports of crimes mostly exaggerated
NEW ORLEANS - On Sept. 1, with desperate Hurricane Katrina evacuees crammed into the convention center, Police Chief Eddie Compass reported: "We have individuals who are getting raped; we have individuals who are getting beaten."
Five days later, Mayor C. Ray Nagin told Oprah Winfrey: "They have people standing out there, have been in that frickin' Superdome for five days watching dead bodies, watching hooligans killing people, raping people."
The ugliest reports — children with slit throats, women dragged off and raped, corpses piling up in the basement — soon became a searing image of post-Katrina New Orleans.
The stories were told by residents trapped inside the Superdome and convention center and were repeated by public officials. Many news organizations carried the witness accounts and official pronouncements and in some cases later repeated the claims as fact, without attribution.
But now, a month after the chaos subsided, police are re-examining the reports and finding that many of them have little or no basis in fact.
They have no official reports of rape and no eyewitnesses to sexual assault. The state Department of Health and Hospitals counted 10 dead at the Superdome and four at the convention center. Only two of those are thought to have been slain.
One of those victims — found at the Superdome — appears to have been killed elsewhere before being brought to the stadium, said Bob Johannessen, the agency spokesman.
"It was a chaotic time for the city. Now that we've had a chance to reflect back on that situation, we're able to say right now that things were not the way they appeared," said police Capt. Marlon Defillo.
Conditions chaoticSally Forman , a spokeswoman for Nagin, said the mayor was relying on others for his information about conditions at the evacuation sites. "He was listening to officials, trusting that information they were providing was accurate," she said.
To be sure, conditions at both sites were chaotic. Water was rising around the Superdome, home to 20,000 evacuees.
Toilets were backing up, garbage was rotting, fights were breaking out.
Food was in short supply at the convention center, where about 19,000 people took shelter from the rising waters.
Police said they saw muzzle flashes at the convention center, and a National Guard member was shot in the leg when an evacuee tried to take his gun.
A week after the floodwaters poured into the city, the Times-Picayune of New Orleans quoted an Arkansas National Guardsman as saying that soldiers had discovered 30 to 40 bodies inside a freezer in the convention center's food area. Guardsman Mikel Brooks told the newspaper that some of the dead appeared to have met violent ends, including "a 7-year-old with her throat cut."
When the convention center was swept, however, no such pile of bodies was found.
No eyewitness accountLt. Col. John Edwards , the staff judge advocate for the 39th Infantry Brigade of the Arkansas National Guard, said Tuesday that Brooks told the Times-Picayune reporter only that he had heard rumors of bodies in the freezer, not that he had actually seen them.
"We have never found anybody who has any first-hand knowledge of dozens of bodies in the refrigerator," Edwards said. He said Brooks was unavailable for comment.
Judy Benitez, executive director of the Louisiana Foundation Against Sexual Assault, cautioned that it might be too soon to say whether there really were rapes at the evacuation sites.
Because the evacuees and any perpetrators have been scattered across the country by Katrina, and now Hurricane Rita, victims may come forward later, she said.
"It is extremely difficult to get good statistics about rape under normal circumstances, and these are certainly not normal circumstances," she said.


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Designer Michael Kors is helping to raise awareness and funds to support the United Nations World Food Programme (WFP) through his company's first global philanthropic initiative, called Watch Hunger Stop, launched earlier this month
Kors has designed two new versions of his best-selling Runway watch, one in a gold-toned stainless steel case and bracelet with a turquoise dial, shown above, the other in silver-toned stainless with a navy blue dial, and renamed the 100 Series, to aid the cause.
A detailed map of the world is etched on each 100 Series watch dial.
The designer's signature is engraved on the back, along with the campaign name and the message "1 Watch = 100 Meals."
The unisex watches are available in two sizes, for $295.
Kors is donating $25 for each 100 Series watch purchased to the WFP.
The limited-edition watches are being sold exclusively at Michael Kors stores worldwide, including the 226A Worth Ave. store in Palm Beach, as well as at michaelkors.com.
For more information about the Kors initiative, visit WatchHungerStop.com.


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Mt Garfield Greenhouse and Nursery is here to help make your corner of Western Colorado a more beautiful place to live. With over five acres of greenhouses and nurseries, we grow what we sell right here in Grand Junction, Colorado.
We're committed in providing you friendly and knowledgeable service, with the highest quality products at a reasonable price.


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Finnish Electrical Wholesalers' Federation (SSTL) has together with Electrical Designers´ association NSS created guidelines for creating of 3D product images for electrical design of buildings.
3D- and data modeling have become more common in designing of buildings. Also the need for 3D product images of electrical material to be used by electrical designers is increasing. 3D product image means the CAD object which displays the appearance of the product in three-dimensional image. It is used in modeling of buildings and spaces as well as in product information model -based design. With the help of 3D modeling it is possible to view appearance, dimensions and suitability of the product to the planned space already at the planning stage.
The target of the guidelines is to make it easier to create 3D product images, to increase their usability and therefore achieve cost savings as the same 3D image serves different design software.
An English version of these guidelines have been made so that the Finnish subsidiaries can easily serve their headquarters with this information.
An international commitment is very welcome.
Download the Guidelines in pdf-format
See this information in Finnish


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The old-timers are calling this a wet spring, and saying that it's the first we've had in a long time. Last couple of nights we've had inch upon inch of rain. Torrential downpours. Well, I woke up this morning and found that about 1/4 of my broccoli, peas, corn, and green beans in my garden had been washed away by a literal gully washer. Not only that, but the dojo flooded.
I've spent the morning cutting new ditches where the old ones had silted and grown over (too late - I know). Now I have to take the mats out of the dojo, wash them off, let them dry, and clean the dojo floor.
Subscribe now for free updates from the Mokuren Dojo blog


text: Deso Dogg Dead at 39 Posted by Brandon Harris on October 30, 2015 Get link Facebook Twitter Pinterest Email Other Apps German Rapper Deso Dogg was killed in a US air strike against ISIS today. Deso a rapper once on of the best from Berlin, joined ISIS in 2012. After a rocky career and a lot of legal issues the rapper converted to Islam in 2010, giving up his rap career. He went very quickly from gangsta rapper to Muslim extremism promoter in little to no time. Having been a rapper he decided to move into the ISIS crew in 2012 where he remained until his death in 2015. Underground Girls Underground music Get link Facebook Twitter Pinterest Email Other Apps Comments Post a Comment


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VDOT News - Staunton
Sandy Myers 540-332-9201
540-292-2500 (cell)
Ken Slack 540-332-9264
540-414-5670 (cell)
Dec. 28, 2016
STAUNTON – (6:20 p.m.) There is the possibility of freezing rain or ice in some areas of the Shenandoah Valley region in the pre-dawn hours of Thursday, December 29. Some areas may experience light snow later in the day. Temperatures that are near the freezing mark, bring the possibility of black ice or icy patches, particularly on elevated surfaces such as bridges and ramps.
No driving should occur in areas where the road is covered with ice. As a general rule to use, if ice is covering steps, walkways and driveways and it is hard to stand-up without falling or slipping, chances are good vehicles on the road will slip and slide on icy roadways making for extremely dangerous conditions. Wait for road conditions to improve before heading out and keep informed by monitoring the weather or checking 511virginia.org.
Virginia Department of Transportation crews will monitor and treat roads.
For winter weather road conditions go to www.511Virginia.org, look at the orange bar on the top of the page and click on "Text Views" and then click on "Road Condition Table". Look at the pull down box that lists all jurisdictions. In this box individual counties can be chosen to view.
Traffic alerts and traveler information also are available at 511Virginia.org. On the go? Then visit VDOT's Free Virginia 511 Tools to get your 511 app for android or iOS. Traffic alerts and traveler information can be obtained by dialing 511.
For other assistance call the VDOT Customer Service Center, available 24 hours-a-day, seven days a week. Citizens can dial 1-800-FOR- ROAD (1-800-367-7623) from anywhere in the state to report road hazards, ask transportation questions, or get information related to Virginia's roads.
The Staunton District Twitter feed is at @VaDOTStaunton. VDOT can be followed on Facebook, Flickr, Twitter and YouTube. RSS feeds are also available for statewide information. The VDOT Web page is located at www.VirginiaDOT.org.
The VDOT Staunton District serves Frederick, Shenandoah, Clarke, Warren, Page, Rockingham, Augusta, Highland, Rockbridge, Alleghany and Bath counties.
Road condition definitions:
Severe – drifting or partially blocked road. Snow tires or chains are necessary.
Moderate – snow or ice on major portions of the roadway. Snow tires or chains are advisable.
Minor – bare pavement except for isolated spots of snow, ice or slush. Driving with caution is recommended.
Information in VDOT news releases was accurate at the time the release was published. For the most current information about projects or programs, please visit the project or program Web pages. You may find those by searching by keyword in the search Virginia DOT box above.