text:
How will we know when the housing panic is over?
And when do you think that will be?
February 10, 2008
HousingPANIC Stupid Question of the Day
Posted by blogger at 2/10/2008
64 comments:
So many variables it is really hard to say when housing recovers.
Remember, a 30 year mortgage was designed by the banks at a time when it was normal to work in a factory for 30 years. I'm not sure what kind of mortgage product is appropriate today. Probably none. Housing costs should probably be 1/10 of what they are now for middle class people so they can pay cash. However, IMHO, Peak Oil is going to squash many peoples hopes and dreams.
We have completely gone off the deep end on housing design and production. Instead of building small, affordable, energy efficient housing we built houses that quite possibly no one will want in three years. Since it is almost impossible for anyone to get a loan right now, and that is quite rightly going to get a lot worse over the next three years, the current owners are either going to be stuck there or walk. My SWAG is that banks push some form of damage control through once the elections are over which seals the door on walking away. This will effectively lock in the people most likely to continue to pay on their energy intensive house even as energy costs accelerate and more cost effective housing becomes available.
People will take gravel roads and no HOA fees if it brings housing costs down to an affordable level which is 2.6 - 3 times gross income. While this is the oldest multiplier that anyone with half a brain remembers you never hear it spoken out loud any more. Why? Because most people who own homes would FREAKING LOSE IT if it was even mentioned.
"Yes, I know you paid $700,000 dollars for your house Jack but the average income in our area is $45,000 dollars per year so your house is really worth only $117,000 - $135,000 dollars. Jack? Jack? JACK!?!?!"
- February 10, 2008 10:37 AM
When we move to the currency of the Amero.
- February 10, 2008 11:39 AM
How will we know? When the guy they appoint to run RTC2 steps down.
- February 10, 2008 11:45 AM
When you see Greg Swann doing gay porn
- February 10, 2008 12:21 PM
"When you see Greg Swann doing gay porn"
2 weeks to go then?
- February 10, 2008 1:06 PM
- Unknown said...
The first post of these comments by anonymous is excellent. Nicely stated.
- February 10, 2008 1:45 PM
When Greg Swann's house falls into foreclosure
- February 10, 2008 2:23 PM
When the cover of the Time shows a dead house and when you tell your friends you are going to buy a house - they look at you like you are crazy and tell you housing is the WORST investment you can make...
Marky Mark
- February 10, 2008 2:42 PM
I think it being "Over" is not a singular point in time but is a process instead. And I think that process is just starting now.
I expect this spring market to be a bust, like last spring. But this is the consensus opinion and expectation now.
The last strong market holdouts like San Fran and NYC are folding now. And ARMs will continue to reset for the next 12 months, but financial controls are being put in place to cusion the blow. It's an election year, so suicidal home debtors will be soothed by the faux poltical promises and happy talk.
Bottom fishers with longer term horizons will begin to come into the market as start taking some of the best deals now. That's usually were the smart and easy money is made.
People who invest in value plays like Ross, Buffett, etc. are staring now.
Now's the time to look for bargains. Don't pull the trigger yet, but be looking. This summer or fall maybe the best time to buy, where there is maximum selection and some really good deals.
This year in the MSM real estate and homes will be hated as the worst investment ever. A contrarian sign to buy, buy, buy!!
Just dont expect to flip. Real estate as an investment class will underperform for years to come.
- February 10, 2008 2:46 PM
- Paul E. Math said...
Talk of a 'bottom' presupposes a pattern with a decline on one side and an incline on the other side. Because prices aren't ever coming back up, the concept of a 'bottom' is inappropriate. When we stop hearing the msm and the reic talk of a 'bottom' will be another indicator that this whole this is 'OVAH'.
- February 10, 2008 2:49 PM
Yesterday, the house across the street listed at the drama price of $325,000. Two doors away the neighbor's house is listed for $472,000. The second house, which has been listed for five months, is smaller, but very similar to the first.
The newly listed house last sold in 2002 for $210,000, it's competition in 2004 for $310,000.
The house I live in, which is much nicer that either of those for sale since it is a full gut rehab with an addition, rents for $1500.
Although I'm not personally losing money on this, I do feel empathy the people involved. The family with the old listing here wasn't flippers, they just needed a place to live and believed the hype. Now they're likely flat broke. If they are lucky.
It will be over when as many decent people are sucked dry as possible. We aren't close.
- February 10, 2008 2:56 PM
Drops in US Ramen sales.
- February 10, 2008 3:04 PM
- Miss Goldbug said...
Average median household income here in Alameda is $56k a year.
I'm sure there's couples who make more than that however, they probably also have 2 kids to raise, a pet, car payments a mortgage payment, insurance, high food bill...
Even combined, if a household brings in 150k a year ...how can they support a family and save money for retirement with homes going for $650+ in the nicer areas of Alameda?
I dont see certain necessities going down in price, mainly taxes, PG&E, food and insurance, however, I do see housing prices dropping
like a rock, as they do in every economic downturn.
I see many homeowners sprucing up their homes, getting ready to put them up for sale in the spring.
In July, mortgage limits are extended to I believe $749K. That will get some people into a higher priced home, but with lending requirements tightning so quickly, I dont know if it will help or not.
We have a long way to go, but I see prices lossing 200K across the board by the end of this year, and a slow decline of 5% a year for another 5 years...
I agree with the first post by Anon, that the 30 year mortgage will everyone worked in factories..now, no one works for a company for 30 years, unless you work for the government. I agree with him that prices need to be 1/10 of what they are now.
- February 10, 2008 3:44 PM
Paul E. Math said.........When we stop hearing the msm and the reic talk of a 'bottom' will be another indicator that this whole this is 'OVAH'.
Or when the entire housing industry is "cut to the bare bone." Cut muscle, nerves, organs, etc., and there's still plenty of screaming. When you are down to the "bare bone" there is nothing left and the industry is numb and silent.
That silence will tell us that we are at bottom. How long we stay stuck at bottom is anyone's guess (Japan anyone!)
- February 10, 2008 3:50 PM
- Devestment said...
I think there will be a lot of waiting to see the outcome of the election hopefully followed by governmental financial responsibility which would drive prices to reasonable levels. In my business (useless escapist crap and metals) sellers are outnumbering buyers.
- February 10, 2008 3:59 PM
18-24 months of flat pricing followed by 24 months of slight increase (beating inflation).
The educated people I know (RE attorneys, Lenders, Title officers) are predicted the following:
2008 - toilet
2009 - down but not as bad
2010 - flat(ish)
2011 - still flat
2012 - going up
- February 10, 2008 4:54 PM
When the cost to purchase, will all costs and savings associated, is less then the cost of renting.
Thats all you need.
If you are paying more to buy then to rent, then you are not buying a home or investment, you are buying a trophy.
- February 10, 2008 4:56 PM
Have been predicting 2013 for a bottom but that is based on past data. It is possible that this one will be more like Japan in which case the bottom will continue to be "tomorrow" and "soon".
- February 10, 2008 5:26 PM
average "investment secular bear" is seventeen years and given housing was being sold the same way as wall st, stocks rather than as long term living units...so it will be......and a long term bleed until memory is forgot........
- February 10, 2008 5:27 PM
How will we know when the HousingPANIC is over?
It's actually remarkably simple:
when the Case-Schiller CME housing futures predict a rate of appreciation equal to the inflation rate.
I don't know where I can find this computation; it's not trivial because raw futures prices have embedded interest rate assumptions as well. You have to back that out.
when? I haven't a clue.
- February 10, 2008 5:50 PM
1. When crowds no longer gather at real-estate postings in windows
2. People stop bragging about their home remodeling
3. Contractors seek other work
4. Real-Estate agent seen as poor career choice
5. People say their home is not an investment just a way to enjoy life
6. Jumbo mortgage rates are no longer discussed at cocktail parties
7. Prices are 3x personal income not the current 6x
8. Commodities or Equities are seen as the hot new investment area
9. This blog is no longer popular
10. Personal finance magazines advise new couples to rent
- February 10, 2008 6:03 PM
"prices aren't ever coming back up"
I think Paul Math nailed it. In fact, I think there may be a fundamental societal shifting and sorting just beginning that will see house prices for the middle class continue to drop as wage arbitrage continues to poison the average guy's (and gal's) wages.
- February 10, 2008 6:15 PM
"It will be over when as many decent people are sucked dry as possible. We aren't close."
So true. J6P will hang on to the dream of his faux wealth for as long as he can. He is the true blood donor that's keeping this housing-Frankenstein alive.
But, one by one people will wake up from the dream and their 'look at me I'm rich' houses and cars and designer handbags will suddenly look silly to them -- like 'stuff' and not status. When that illusion-bubble pops, it will be over except for the clean-up.
- February 10, 2008 6:24 PM
Agree, love the first post, Anonamous!!
It will take a long while for people to realize their houses are not ever going to be worth 2005 prices. Sellers will hold on as long as they can, but RE bubbles never pop overnight, they take years to unwind.
It is so true that if energy prices keep going up, and supplies down, we will also see a HUGE shift in attitudes toward housing. You will have to make a mint to heat and cool your average McMansion, and most people won't want or need them--
I live in Northern VA, where we had in some areas 200% price appreciation over the last several years. Another 30% decline is definitely not out of the question now... It sounds like a lot at first, but even that kind of hit would only make a dent towards bringing prices back into line with the Historical mean, or any other metric that makes fundamental sense.
We are going to stay leasing our house for another year at least before we buy. Hopefully the builders in this area will stop building the monstrosities that are currently sitting empty in huge numbers, and build houses eventually that actually make sense!!
One can dream...
- February 10, 2008 6:27 PM
When after I buy a house (2012 or 2013) people will ask me why I did such a dumb thing. Then I will know that the housing bust is over.
- February 10, 2008 6:32 PM
When the median price for a home is 3X median income. In other words when balance is restored to the market.
- February 10, 2008 6:52 PM
Cramer's U recovery ...
notice he suggests the recovery will be slow, tough, gringing. So the bottom of the U part could be a loooooong time!!
Keep you're powder dry!
- February 10, 2008 7:01 PM
Simply comparing to the 1990 down turn which lasted till about 1998, I would say 2013 will be a good time to buy. This one is much worst though so maybe longer. Yes you may find what seems like a deal in year or two. But to turn it for profit will require holding for many years to come. Why not let someone else do that for you.
Wait until the actual recovery starts before buying. So what if you miss it by 6 months or so. How much more would that cost? Pennies verses holding costs, and the headaches of being a landlord.IMO
- February 10, 2008 7:02 PM
- Ed said...
Anon #1...if $700K home start selling for $135K, we have more to worry about than housing bottoms.
And the 30 year mortgage was not the banks' doing due to some 30 year career in a factory. FDR created Fannie Mae in the 30s which led to the 30 year conventional loan.
The bottom will be here when most people say housing is a bad investment. There are still plenty of 'now is a great time to buy' types out there. Probably the majority still. At some point ayone who thinks buying r/e is a good idea will be mocked by the majority. That's when it will be time to start loading up on r/e.
When that will be is anyone's guess. Could be this year, could be 2015.
- February 10, 2008 7:57 PM
when homes get affordable under traditional lending standards
- February 10, 2008 8:13 PM
I'm not sure when it will recover, but I think we'll know that we're at the bottom by observing the cars on the road. Where are the clunkers? Seems like all the cars on the road are brand NEW! When people stop buying new cars every couple of years, we'll know something's over.
- February 10, 2008 8:17 PM
- Redondo Beach dude said...
1. When it costs less to rent than to own.
2. When houses are 3-4 time gross income, or roughly 1997 prices in this area.
- February 10, 2008 8:18 PM
keep dreaming renters about 3X income ratios and whatever other fantasies you have
- February 10, 2008 8:27 PM
- Redondo Beach dude said...
Oh, and I believe we're going to have a long bottom, not a V bottom... plenty of time to pick and choose.
- February 10, 2008 8:32 PM
- Frank R said...
When the cost to purchase, will all costs and savings associated, is less then the cost of renting.
Thats all you need.
If you are paying more to buy then to rent, then you are not buying a home or investment, you are buying a trophy.
Exactly - that's the basic formula. Common sense. P/E. Whatever you want to call it.
As for us personally, we plan to buy sometime next year. Even if we haven't totally hit bottom by that time, we don't particularly enjoy renting and being unable to get dogs, etc., things like that.
We just heard from another friend in Scottsdale today who is moving to take a job in San Diego. The jobs in Scottsdale have all but dried up.
- February 10, 2008 8:41 PM
I am a renter and right now in the Chicago area, prices are not exactly going down. Last night I went to my niece's birthday party. All of the adults were talking about the economy, real estate, etc... Everyone felt that "oh, now is the time to buy real estate, there are lots of bargains out there, etc...". Well they are not contrarians like us HP'ers. So based upon the social mood, we still haven't hit bottom yet.
- February 10, 2008 10:35 PM
I don't believe real estate prices will go down drastically. The government will come up with some sort of a scheme to avoid all of the mortgages to reset and come up with some idiotic idea to stop prices from sliding. So as HP'ers, we can hope for price declines, but I don't think it will happen.
- February 10, 2008 10:37 PM
This 3X median income is foolish. Look at 3X median income of buyers not of the whole populaion. $65K in Alameda includes all the $7 an hour McDonald's workers who will be renters for life. It also includes the old geezers living on social security who won't ever buy anything again.
Median income is about 50% higher for thoe who own vs. those who rent. So your $65K median is more like $100K median for those who buy. And $100K income and $650K homes isn't that out of line. A little high, but the bay area has always been higher than everywhere else.
If you think home prices in the bay area are going to me $200K (3 times $65K) you are smoking some funny shit and I would like some myself.
- February 10, 2008 11:01 PM
when experienced tradesmen are working at home depot again AND local governments significantly drop (i) property tax rates and (ii) all the various construction permiting fees.
- February 10, 2008 11:08 PM
- AndrewHac said...
This nation and most of its citizens, residents, dwellers have no ethic, no moral, no responsibility. What it has in plenty is greed, self-centerness, ignorance, pompousness.
The housing bubble is a shiny mirror in which the Americano can look at itself and ponder upon what may the future brings upon this land of the Snapper Turtle.
A nation that mostly comprises of pigs feeding, chomping at the trough.
A nation with most of its dweller obese, fat, diabetic, and plain ugly like a chimpanzee.
A nation where a Walmart cashier can buy a house for $500K.
A nation in which its citizen's brain a lower than a snapper turtle.
A nation which rules by turkey and skunk.
The Americano nation is as toasted as a roasted armadillo skewered from mouth to ass sizzling, popping, oozing with melted golden fat over a bed of white hot charcoal.
- February 10, 2008 11:51 PM
I remember in 1990 we had newer 4/2 houses on 1/2 acre lots in Houston going for under $40,000. Basically, prices will drop to where households can afford a 30 yr fixed.
- February 11, 2008 12:02 AM
The people in my graduate classes are starting to say that it is better to rent because workers will need to be more mobile in the future. Although we all dream of working from home, that will never happen for the masses. I heard the same thing back in 1999 and not a thing has changed. A few people are allowed to work from home for a few days a week, but the majority still have to come in to the office for some reason. Basically, that's the reason why I never bought a house. You can rent a nice house or condo anywhere in the world and not have to worry about the expenses of owing the banks. If this view starts to gain popularity, who will the baby boomers sell to?
- February 11, 2008 12:12 AM
businessweek's cover had a graphic of a melting house last week, so the MSM is starting to crack a bit.
- February 11, 2008 12:18 AM
So your $65K median is more like $100K median for those who buy. And $100K income and $650K homes isn't that out of line.
Two flaws in your argument, Mr FB:
1. There is no way $100K gross can afford a $650K house. I make $80K and I've run the numbers on a $300K house and I would be eating Ramen 3 times a day.
2. Since 68% of households "own" vs rent, would you claim that 68% of households in NorCal make $100K or more? That's very very unlikely.
- February 11, 2008 12:18 AM
Nominal prices in bubble areas might hit highs again in 10 years due to the greenback being raped, but real prices are gone forever.
- February 11, 2008 12:20 AM
Here in the make believe land of Phoenix who knows?? Right now as I type this i'm seeing my second ad for House auctions which are becoming more popular here. However i don't believe the housing market is anywhere near bottom, the house based economy hasn't crashed and burned yet.
- February 11, 2008 1:09 AM
- Paul E. Math said...
Anon 11:01pm, I disagree that the 3x income formula is foolish. There has always been a relatively stable ratio of average home prices to average incomes. This ratio is not average home prices to average homebuyer incomes, they are average overall incomes.
Sure, perhaps incomes are more skewed than they once were so perhaps 3x is a little low. But it is not as 'foolish' as the 6x and 7x that you find in many bubble markets.
- February 11, 2008 1:37 AM
I hear "good time to buy" all the time. When you probe, they don't seem to realize just how far prices shot up and just how small the recovery has been.
Rent does not need to be exactly on par with mortgage. Pre-bubbs, renting at 90% of cost to own made sense if you could stick it out for five years give or take. Not so hot if during those years the house continues to depreciate. I'm not talking about "investment property", just a place to live.
- February 11, 2008 3:02 AM
And $100K income and $650K homes isn't that out of line.
Are you kidding me? You cannot afford a $650 house with $100K income.
$400-$450 is kinda OK, but $650 is way overpriced for this income.
- February 11, 2008 3:16 AM
Hey Andrew Hac,
Who are you?
Is it your profile?
Andrew Hac Nguyen
- February 11, 2008 3:19 AM
- Paige Turner said...
RE: How will we know when the housing panic is over?
The panic will subside when the prices of houses start to go up again. However, due to an extremely tight money supply, home values will have fallen far below year 1999 prices.
And when do you think that will be?
I calculate that home prices will fall twice as fast as they went up starting in the year 1999.
The 7 year climb will turn into a 3.5 year fall. We're already 1.5 years into the decline, so the bottom will be reached around the middle of 2010. However, prices will remain stagnant for at least 2 more years and even after that, prices will barely move up year after year.
As far as the housing panic is concerned, by 2012 there will be nobody in a panic to sell or buy. Those who qualify will be able to own and those who don't qualify (or those who qualify but don't want to buy) will rent.
- February 11, 2008 4:32 AM
Andrew Hac is a foreign devil mocking the great Americano.
Andrew Hac is a hac on a rack, sizzling over an open fire. From chin to chine the skewer runs through him.
He pops and sizzles on the open fire as hot coals force the dribbling fat of his lard ass to bubble and froth.
If it wasn't for the Americano, his lazy, cowardly turtle-lizard ass would be speaking a cross between hybrid Nazi German, and Islamo fascist Farsi.
I turn the spit upon which he roasts and toasts, his wits tunneled out by the molten hot skewer which has lobotomized him.
Partake, ye Middle Eastern sand rats, in the great feast of the gristle infested rat named Andrew Hac.
Enjoy, for we Americanos dance on his ghostly foreign grave and leave the burnt cellulite for the vultures!
- February 11, 2008 4:33 AM
Buzz-saw needs to give andrew Hac a hair cut!
- February 11, 2008 4:36 AM
Mmm, armadillos and snapper turtles - getting hungry now.
I just read the book 'Richistan' that was published last year. 11 million Americans with net worths' over 1 million, 3.5 million Americans with a net worth over 6 million. That's a lot of money out there and a lot of people who will be sitting pretty with tons of cash to snap up (sorry Andrew Hac) the bargains.
Oh and 400 people with over 1 billion USD net worth. Not too bad, that's a lot of distressed assets that can be picked up.
We HP'ers are barnacles on the ass of a bottom feeder. People on this thread are skeptical of us having net worths over 1 million but that is still chump change (lower Richistan as the book calls it) compared to the big dawgs.
The people in debt are going to be the worst hit but don't think that everyone is in this situation.
-Big Cheese
- February 11, 2008 5:50 AM
- www.DollarPANIC.blogspot.com said...
O.K. Let's examine Keith's original questions.
Question 1. How will we know when the housing panic is over?
Question 2. And when do you think that will be?
The first question is easy -no brainer- "When overall supply equals overall demand".
As to the second question, lets examine the situation. The USA is sitting on a mulit-year supply of vacant housing. The baby-boomers are just starting to retire by the boatload and will want to downsize or move to a warmer climate; thus adding to the already overwhelming supply. New college grads and other young renters who are to dumb to wait for housing prices to fall further are going to be saved from their own stupidity by the new CREDIT CRUNCH and tighter mortgage lending standards.
Soooo, my crystal ball says.................................................................................... The year 2018 will be the year nominal median housing prices finally make the turn.
But wait; theres more... reading the fine print down below the smoke on the lower part of my crystal ball it says: DISCLAIMER: If B52 Ben orders the bomb doors opened... all bets are off!
- February 11, 2008 7:55 AM
Hey Andrew are bruinging Armadillo or Snapper Turtle to our BBQ?
Bring both!!
Blowfly's comin' and DOPES hasn't got back to me yet.
8ish OK?
- February 11, 2008 1:50 PM
"keep dreaming renters about 3X income ratios and whatever other fantasies you have"
Where were you before 2002 when 3X income ratio was the norm? Either you are quite young or have a short-term memory.
The 3X rule (or actually 2.5X rule as I have been taught since way back in 5th grade) is nothing new, and is not a fantasy that us at HP just made up. Here's the general guidelines about how much house one can afford (from http://tinyurl.com/2al7vk):
General Guidelines to Keep in Mind
Wondering what kind of monthly mortgage payment you can afford? Here are a few general rules to give you a ballpark of what you're getting yourself into. Most lenders agree that your total housing costs should not total more than 28 percent of your gross monthly income. "Total housing costs" include mortgage payments, insurances, property taxes, and homeowner's fees. Your gross monthly income includes your primary job plus any overtime, disability, social security, child support, a part-time job, unemployment; virtually any money coming in each month. This means if before taxes you make $3,000 each month, your monthly housing costs should not total more than approximately $840.
Another guideline most lenders adhere to: your monthly housing costs plus any other long term debt (car payments, student loans, large credit card balances) should not total more than approximately 36 percent of your gross monthly income. So if my gross income is $3,000 monthly, and my housing costs total $750, my monthly car payment, student loan payment, and credit card payments should not total more than $330.
For a general idea of your buying power, you can multiply your gross annual household income by 2.5. This means that if your gross annual income is $50,000, you may be able to qualify for a $125,000 loan. Of course your credit and employment history can affect that number, but it is a good rule of thumb to keep in mind as you eyeball your general price range. You can visit a mortgage lender for a more exact figure.
- February 11, 2008 5:03 PM
when i can buy at year 2000 distressed prices in bubble town not just year 3008 distressed prices, and not be stressed
- February 11, 2008 5:51 PM
i stopped heating but for a small and safe space heater years ago, and cooling but for a desk fan but for last years 110 degree heat which tripled costs ...i average 40 bucks a month but for average summer 120 bucks....as i must figure how to vent a small airconditioner so i can bring the yearly average down to 40 again
- February 11, 2008 6:01 PM
but i read somewhere that the average household income was 54,000 and it took two wage earners so average housing couild be given the strange divergant informations 75,000 tops?
- February 11, 2008 6:12 PM
- stuckinthecity said...
Anonymous said...
I am a renter and right now in the Chicago area, prices are not exactly going down. Last night I went to my niece's birthday party. All of the adults were talking about the economy, real estate, etc... Everyone felt that "oh, now is the time to buy real estate, there are lots of bargains out there, etc...". Well they are not contrarians like us HP'ers. So based upon the social mood, we still haven't hit bottom yet.
February 10, 2008 10:35 PM
Second City Bubble
If you don't mind I will plug my blog.....
- February 11, 2008 7:26 PM
What is this the "negotiation" stage? Yes, it can go WAY lower down to 3x incomes, or lower. Why? What has supported housing prices this high is the "expectation" that housing is a good investment and that prices can only go up. Is that Bay Area (cali) 1000sq foot, 40 year old, sh-- box worth $500k if the "expectation" is that housing is a bad investment and can or will go down? People in peak areas are kidding themselves, they have to believe there is something "special" about their area that will defy economics. I have 2 family members that own in the Bay Area and I grew up in the Bay Area and there is nothing "special" about it to justify the housing prices there, it was ALL loose lending and speculation. It's a nice place to live, but the incomes do not match it.
What is a house worth when the "expectation" of losing money meets the "reality" of much tighter lending standards. My prediction for the bottom is:
1) When being labelled a house "flipper" is something that can get you lynched.
2) When the very concept of a home being an "investment" or anything other than a place to live is is openly mocked and ridiculed in the mainstream media.
On a side note a lot of people I know have moveed passed the "denial" phase.
- February 11, 2008 9:16 PM
The big fall is yet to come. When the baby boomers collective realize that their housing "investments" aren't going to give them the comfy retirement they dreamed of and flood the market in a panic to unload their "investments" then we will see the true bottom, someone predicted 2018 and I would agree with that.
- February 11, 2008 9:19 PM
When bank representatives sent to the foreclosure auctions start letting bids that are smaller than the mortgage take the house, then the bottom has been reached.
I predict 2013 as when the prices essentially stop falling. Nominal prices in bubble areas might hit highs again in 2018, like another poster said, but real prices are never going to equal that peak again.
Within a few years, baby boomers trying to sell their houses and downsize will make real price appreciation essentially flat for half a century. For cripes sake: it's a depreciating material possession, not an investment. That part about appreciation and building equity, that was all spin. No matter how many or how often one drinks the koolaid, it is still koolaid.
- February 11, 2008 10:20 PM


text:
Janet Jackson will return from Australia to Los Angeles for the trial of Dr. Conrad Murray, the man charged with involuntary manslaughter in the death of her brother.
Jackson announced Sunday that she will reschedule a series of concerts in Melbourne to be with her family as attorneys for Michael Jackson's personal physician present their case.
"I want to thank my fans in Australia for their love, support and understanding," Janet Jackson said in a statement. "When I planned these shows, the schedule in California was completely different. After talking with my family last night, I decided we must be together right now. I'm looking forward to being with you for the Gold Coast, Sydney, and the Melbourne concerts. You are all so important to me. This saddens me in so many ways. I love you,"
The announcement came as defense attorneys prepare to present their witnesses this week. A final prosecution witness will face more questions Monday, the trial's 16th day, before defense attorneys call their witnesses to the stand.
"It is important that Janet is with her family at this critical point in the hearing," said promoter Paul Dainty.
The defense might wrap up its case later this week.
Three Jackson concerts were scheduled for this week in Melbourne as part of her "Number Ones" tour. Instead, Jackson will perform at a one-night only event Nov. 3.
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subset: commoncrawl


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Restructuring services has been added to Bookmarks.
Restructuring services
Our Restructuring Services Group specialises in providing in-depth business and financial advisory to various stakeholders in the areas of corporate restructuring and business recovery.
With our expertise, experience and by leveraging on the collective knowledge of the Deloitte global network and the larger business community, we are able to offer independent and trustworthy advice to clients with the view of maximising recovery and protecting shareholders' interests.
Our areas of expertise include:
- Restructuring advisory to corporates, shareholders and creditors
- Debt advisory, including LBO/acquisition financing, refinancing, rescheduling, exchange offers, structured finance, project finance raising
- Performance improvement, cash and working capital optimization
- Fast track M&A in distress situations
- Corporate exit services, reorganisations, amalgamations and solvent liquidations.
- Insolvency services which includes acting as Judicial Manager, Liquidator, Receiver, Special Accountant and Scheme Manager
- Contentious matters in insolvency and disputes
Business recovery services
Is your company's performance deteriorating? Has your business suffered an unexpected event? Is cash flow tight and creditors pressuring for payment? Are you concerned about whether assets are being diverted by the directors to disadvantage creditors?
These are signs of financial distress. The consequences could be serious as it could lead to appointments such as judicial management, receivership or liquidation and/or resulting claims against the directors personally.
Our Restructuring Services Group provides timely solutions for financially distressed or redundant businesses. We can act in various capacities and take the most appropriate course of action to maximise recoveries to stakeholders. This may include actions taken to preserve the value of the business or in certain situations, wind up the organisation.
Deloitte provides the following business recovery services:
- Judicial management
- Receivership
- Liquidation – Members voluntary liquidation, creditors voluntary liquidation, compulsory liquidation
- Liquidation – Nominee/Trustee in bankruptcy
Restructuring advisory services
To meet the unique needs of each client, our Restructuring Services Group have the experience and expertise to provide a wide range of advisory services including:
- Dispute resolution
- Corporate exit services
- Profit downgrade management
- Non-performing loans portfolio


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If you had to trust someone with a gun, would you give it to a Liberal or to a Conservative? Well, "Uncle Neil" O'Conner sent a reminder around a few days ago:
- The Fort Hood Shooter was a registered Democrat and a Muslim associated with openly radical groups.
- The Columbine shooters were too young to vote, but both of their families were registered Democrats and Progressive Liberals.
- The Virginia Tech shooter was a registered Democrat who wrote hate mail to President Bush and his staff.
- The Colorado theater shooter was a registered Democrat, a staff worker on the Obama campaign, an Occupy Wall Street participant, and a Progressive Liberal.
- The Connecticut school shooter was a registered Democrat who hates Christians.
Is there something that draws people with poor impulse control to the Progressive movement and the Democratic Party?
Now look at actual results. Charlie Martin at PJ Media points to actual results:
On the other hand, following the Supreme Court's Heller decision striking down a gun ban, gun violence in Washington, D.C., has gone down — while gun violence in Chicago, another place with draconian gun laws, has gone up.
This is the what "reality-based" actually means.
After all, an armed populace is the one thing known to prevent or ameliorate mass shootings. The United States has a moral imperative to enact the Newtown Connecticut Safety of School Children Act.
For the children.
Read his whole report here. [1]


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Impact on federal operations and workforce still unclear.
The Herculean task of placing a dollar amount on the damage from the October government shutdown will likely be tackled by the Government Accountability Office, according to Sen. Mark Warner, D-Va., who requested the audit Oct. 24.
Though Standard and Poor's has estimated the 16-day shutdown's cost to the U.S. economy at $24 billion, the only figure on the cost to the federal treasury was put out on Oct. 1 by IHS, a global market research firm. IHS projected the cost at $300 million a day.
Warner, who chairs the Senate Budget Committee's bipartisan Government Performance Task Force, wrote in a letter that he would like GAO's estimate of the cost on "the overall U.S. economy, the federal workforce, federal agency operations and services, state and local governments, federal contractors and other private-sector businesses, as well as lost tax and fee revenues."
GAO is still reviewing the request, a spokesman said.
Warner predicted the price of the 2013 shutdown will top the estimated $1.4 billion ($2.1 billion in today's dollars) cost of the 1995-96 two-part shutdown, "especially when you consider lost revenue, service delays, and the impact of an already fragile, economy." As chairman of the Commerce, Science and Transportation Subcommittee on Surface Transportation and Merchant Infrastructure, he asked for specific figures on the shutdown's impact on multimodal infrastructure and shipbuilding.
Last Tuesday, the White House Council on Economic Advisers put out a report estimating that the shutdown cost the economy 120,000 private-sector jobs in the first two weeks of October and a 0.25 percentage point reduction in the annualized Gross Domestic Product growth rate for the fourth quarter. "These estimates very likely understate the full economic effects of the episode because of its effects that continued, and will continue," the report said.


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|Home | Our School | Registration | Calendar | Home to School Connections
|The Carson Montessori School does not discriminate on the basis of race, color, national origin, sex, disability, or age in its programs and activities. The following person has been designated to handle inquiries regarding the non-discrimination policies: Principal 2263 Mouton Drive, Carson City, NV 89706 (775) 887-9500.
|Site Map


text: I have an email server dovecot/postfix and he is not recording traffic data from email accounts. According to the changelog for version 3.0.5, this should be supported. "Mail is reporting traffic dovecot servers." http://www.ispconfig.org/releases/ispconfig-3-0-5-final-released/ The installation of my server was based in this howto: http://www.howtoforge.com/perfect-server-centos-6.4-x86_64-apache2-dovecot-ispconfig-3 About my server: Dovecot, Postfix, Centos 6.4, ISPConfig 188.8.131.52


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New model computers are introduced in Sahuarita Arizona daily. You may love a certain brand and purchase it. But if you forget or be careless about repairing and maintaining them then you will face various technical problems.
Computers are machines made of electronic parts. It's a machine which includes both software and hardware. If there isn't proper maintenance your computer will fail to operate and you may end up with data loss and other critical errors.
If you need best computer repair and maintenance services in Sahuarita , DataMetrics™ is at your service. We are world's best technicians. We provide unlimited tech support. DataMetrics™ guarantees you an outstanding experience. Register with us as a customer and we will show you the true essence of remote computer support.
Laptop Repair Guide - 7 Must-Know Laptop Repair Problems
Unlike desktop computers, laptops are cute things that people can carry around. Laptop repairs pose less of a problem because of it, as lugging it off to the laptop service center is not much of an ordeal when on site service is not available. While this advantage because of its size is very much there, laptops are also better covered by warranties compared to other types of machines. This warranty protection not only makes laptop repairs easily available, it also makes buying of a new laptop much easier.
Every computer, whether laptop or desktop, is covered by the manufacturers warranty at the time of purchase. After that, many laptop manufacturers offer extended warranties that will cover all necessary laptop repairs, for the payment of a specified sum. These warranties may be on site warranties, where the computer technician will come to the location of the client and do the repairing, or warranties where the user will have to take the machine to the laptop service center of the warranty provider.
Warranties that provide on site help would obviously be more expensive, especially if the machine is located at quite a distance from the laptop service center. The other would work out cheaper, and the user will not be inconvenienced so far as he is not living too far away from the service center. The interesting part of extended laptop warranties is that it gets cheaper every successive year. The first year of the warranty, when laptop repairs could be few as the machine will be comparatively new, could turn out to be a bit expensive for the user. But after that, the annual charges will come down, and will decrease further every following year.
A three-year extended warranty could cost the computer owner about one-fourth the cost of the computer. Those who can fix their laptop problems themselves may find it a bit costly. But for those with limited technical know how this can be very helpful as it will cover his entire laptop repairs requirements for the ensuing three years. It is not just laptop service that an extended warranty covers. Most of these warranties have a provision whereby when a fourth repair becomes necessary for the laptop, the warranty provider will replace the machine rather than repair it. This provision, known as 'no lemon policy, enables the computer owner to have a new computer in the place of the old one.
In short, these warranties cover more than just laptop repairs. Under the terms of the extended warranty, the new machine will not exceed the price of the one that was covered by the warranty. Still, even if it is costlier, the laptop owner generally has to pay only the difference in the cost, which in most cases would be minimal. All types of laptop service will be available without warranty also. There are companies catering to different computer repair needs including for a laptop. Many of them have statewide and countrywide branches. Those who are not covered by any type of warranties should select one such laptop service provider so that they are not left in the lurch when their laptop strikes work.
Computer Repair, Buyer Beware!
The cyber-world is full of threats such as viruses, spyware, Trojans, Worms and etc. These can affect your PC and even steal your personal information. These cyber-threats can cause huge dilemmas to your PC. Always have an anti-virus guard installed. Upgrade the program and schedule regular updates. Your software's database should be updated for a full-protection.
Laptop Backlight Repair In Sahuarita Arizona
A laptop is essential for students and working individuals. Because of its portability, users can write important papers, connect to the Internet via wireless modems, and can even watch movies anytime and anywhere. But without proper care, this machine can break down, and especially, there can be problems with the LCD monitor. Here are some tips that can help you in troubleshooting your laptop's LCD monitor.
Is there something wrong with your screen? If this is so, then there is a possibility that the LCD (liquid crystal display) backlight of your laptop is broken. The LCD backlight is the source of light that gives you a clearer visual of your screen. Symptoms of LCD damage include:
- Dim laptop LCD
- Flickering screen
- Faint images on your LCD
- No video image
- Faded laptop LCD
A laptop backlight is composed of four parts and these are:
- Laptop inverter
- LCD lamp
- Inverter cable
- Toggle switch
Damage to any of these parts may result to the symptoms stated above. Unfortunately, there is no other way to be sure if one of these parts are damaged without using a tester. Some of the main causes of damage to these parts include age and excessive use of your laptop. Parts such as the LCD lamp usually last for two years minimum.
Aside from the blacklight, it is possible that your LCD screen itself is damaged. This problem can be very serious because the LCD is the most fragile and expensive part of your laptop. Symptoms of LCD damage include:
- Decolorization of your screen
- Appearance of stripes or lines on your screen
LCD damage is usually caused by hard impacts to your laptop. Remember, the LCD is a very sensitive and fragile piece of equipment. Even the slightest amount of pressure on your LCD can cause it to break.
The only way to repair the backlight and the LCD monitor is to replace them. Replacing the LCD monitor alone can cost you around $250 and that is apart from the $120 service fee that most laptop repair companies charge.


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Well I have been seeing everyone else writing about them, but didn't have anything to write myself, well until today.
Last night, after joining BA chat for the first time, and realizing I had never seen Leafy's site, I went and had a gander. There was a post there about a fishing book (Weather-beaten Journal) that allows you to track fish. I had never heard about it, and really haven't been interested in leveling my fishing on Gnomeaggedon. But I am a little nutty and decided I wanted the book.
Checked in with Daily quest giver, but I realised my 105 fishing skill wasn't worth much.
So I grabbed my trusty fishing pole and headed off to fishable waters.. only to discover I couldn't even use my fishing pole because my skill ws so low.
Anyway I had been fishing for ages when I get a whisper asking if I would help a warlock with a port… err hell yeah, anything is better than fishing!
It took them a while to come to me, but that was ok, I was fishing every pool and pile of trash I could find, in the end fishing off the docks.
They arrived, I helped summon, I gave them all a quick AI, and off I went to fish… off they went to clear Scarlet Monastary.
Today, while clearing my bags of all the items that needed to be DE'd, I notice a strange mail…
I was stoked!
Anyway, I didn't need the cash, so I did a quick reply…
Actually I was happy as Larry anyway… guess what dropped off my last cast of the day, the one that brought me to 200 fishing skill:
Gnomer and Out!


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Let me preface this by saying I sincerely hope my friend, Ann, does not read this entry. She says she reads my blog, but I think that most days she does not read my blog, so I am hoping that this is one of those days.
Let me begin at the beginning. Like most people, I started the New Year thinking that this would be the year I got all healthy and slim and fit. Of course, I believed that there must be some type of kitchen gadget that would help me accomplish this. The more I thought about it, the more I knew what I needed to be fit and slim and healthy was a juicer.
I did my due diligence for a juicer. Picked out the one I wanted, which was more money than I wanted to spend. I went on eBay and found that by the time the shipping was included, the used eBay models were more than the new amazon juicers. Then I found a reconditioned juicer and I added it to my wish list as I tried to decide just exactly how healthy I wanted to be. Then the cheap, recondition models sold out. Then the new model sold out. Then I began to worry. I mentioned this to Ann (remember, do not tell her about this post) my juicer dilemma.
Ann believes in being proactive. So she bought me the juicer for my birthday (which is a couple of months away, but Ann has never been wedded to celebrating actual events on their actual day. The good thing about this for me, not Ann, is that she often FORGETS that she bought you something for a specific day, months before and then buys you something else for the actual day).
So I got my miraculous juicer for health and fitness. Let me just say, boy does it juice. Stuff any veggie into the magic tube and in seconds it spits out a thick, rich juice. It was wonderful. I juiced every day.
By day four, something bad happened. If my life were a supernatural television show, you would now be seeing the breath come out of my mouth as the room turned cold. On day four, I made a lovely spinach, apple, and celery juice. It was bright green and celery wafted up from my glass. And then…
I went to the dark side. I thought, what if I juiced a nob of horseradish into the juice, added a splash of celery bitters and a generous supply of vodka… yes, it would not be a bloody Mary but a Greeny Lucinda. One would never drink a Bloody Mary again. In fact, you could hold one of these in your hand and stand in bathroom mirror and chant Bloody Mary over and over and remain safe from ghostly possession.
From that moment on, every time I looked at the juicer, I thought of all the cocktails I could make. Then one night, it occurred to me that I could not only make cocktails, I could make bread! Imagine just how good bread would be if you replaced the water with juice…
Boy, was I right.
Carrot Bread with Currants
3 cups freshly squeezed carrot juice
1/2 cup milk
3 cups white AP flour
3 cups whole-wheat flour
1 teaspoon salt
1 tablespoon honey
1 packet dry yeast
1 cup currants
Toss all the ingredients into a large container and stir until all the flours seem to be incorporated --you have a shaggy, stick mess. Let the dough sit in a warm place for an hour or two and then put in the refrigerator and allow to sit overnight.
Remove dough from the refrigerator. It will be a very sticky dough. Lay a sheet of foil or parchment paper on a tray or plate, as this will facilitate moving the dough to the oven. Dust your hands and the workspace in flour. Pull out half the dough and work it into a ball, adding just a bit of flour to keep it from sticking to your hands. Place the ball on the floured workspace and cover the dough with a cloth; let it rise for about 1 hour.
After 45 minutes have passed, place a covered Dutch oven into the oven and preheat oven and pan to 450 degrees. Carefully remove the pan and open it. Dust your hand in flour again and invert the loaf into you hand, removing the foil from the bottom. Drop loaf into the Dutch oven. It doesn't have to be fancy, just drop it in. Cover with the lid, return to the oven and cook for 45 minutes.
Remove from the oven and let sit for 30 minutes. Remove the bread from the pan.
I made some honey butter to spread on my juice bread. Now I am the first to admit that my miraculous juicer was supposed to be used for juice and not cocktails and certainly not bread... but look at it, really how can one resist. I promise to go back and DRINK the juice. I do... really


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Video: Introducing the Street-Legal 2013 AutoMeter NASCAR Camping World F-150
Built for Power Tour in Celebration of Circle Track, Hot Rod Anniversaries
The year 2013 is an important milestone for two Source Interlink publications Circle Track's 35th anniversary and the 65th anniversary of Hot Rod. For this year's Hot Rod Power Tour, Circle Track Editor Rob Fisher, and CT Tech Editor Pete Epple wanted to create a project that would appeal to both hot rodders and hardcore oval track racers alike. That's when the street-legal 2013 Auto Meter NASCAR Camping World Ford F-150 Truck came to life.
The guys over at ThorSport Racing ended up with Ronnie Hopkins-built truck chassis that was originally raced by Richard Childress Racing in the late 1990s. When ThorSport made the jump from Chevy to Toyota, the truck was left to sit. That is, until Pete and Rob were able to get their hands on it.
First thing's first, the truck was sent to Peterson Racing in Concord, North Carolina for the next month getting new headlights, tail lights, a second seat, and body work that includes the brand-new 2013 Ford F-150 nose. Ford Racing provided all new sheet-metal to make the truck look brand spankin' new.
The folks over at Ford Racing Performance parts sent a retired Cup engine to power this new beast. Checking out the markings on the motor, Pete deciphered that it was the same engine that powered Mark Martin's car in Rockingham back in 1996.
While the body work was nearing completion, the engine was sent to MPR Racing in Boynton Beach, Florida where major changes were made by Tim Eichhorn. The original flat tappet valvetrain was replaced by more street-friendly hydraulic roller components from Comp Cams. Tim also changed the compression from 12:1 to 11.2:1 to allow the use of pump gas.
After making the trip back to our headquarters in Tampa, the guys spent a month wiring, plumbing, and installing the new engine inside of the truck. A Tremec T-56 Magnum transmission was added and paired with a Ram twin-disc street clutch to make shifting a breeze. The truck drives like any high-performance muscle car or street car.
Auto Meter sent a complete set of Elite gauges to put inside the truck including oil pressure, oil temperature, water pressure, water temperature, fuel pressure, motor temperature and fuel level, all tied together in a carbon fiber lightweight package. The LEDs are bright during the day, so if something goes awry you won't be able to miss it.
The truck was then sent to True Street Motorsports in McKinney, Texas to tie up some final clutch issues before hitting the Tour. While the Power Tour was awesome and the truck was a huge hit, a cracked oil filter adapter ended the fun early since it wasn't an easy on-the-road fix.
With a head-turner like this, one wouldn't think that it was a street-legal truck that runs on 93-octane pump gas.
After the Tour ended and the truck back up and running, the boys decided to hit up Daytona beach and then make their way over to Daytona International Speedway. Check it out!


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Shri Handa is Special Class Railways Apprenctice Officer of 1969 Batch. He joined the Indian Railways Service of Mechanical Engineering on January 19, 1974.During his tenure as Divisional Railway Manager, Kharagpur, the Route Relay Interlocking system at Howrah station was upgraded. The prolonged non-interlocking working forced suspension of virtually all trains into Howrah for some days through Eastern Railway. However, Shri Handa ensured that train services from South Eastern Railway did not cease. Overnight an alternate was created at Santraganchi with no disruption to any of the long distance trains.As Chief Mechanical Engineer, South East Central Railway he introduced 25 tone operation for the first time on Indian Railways. Initial Manufacture of Box 'N'HL wagons which have become the main stay of Indian Railways began in golden rock workshop while he was CME, Southern Railway. Goods train through the steepest Ghat section of Indian Railways i.e. castle rock-quelem was earlier running only after breakup of loads to distribute 8 WDG3 required for each train. Shri Handa started using 5 WDG4 instead and confined them to the front and rear only. Load split was therefore avoided and overnight line capacity was doubled.Features like opposite dynamic breaks were exploited for the first time on Indian Railways and even today South Western Railway is the only Railway on Indian Railways to do so. Again South Western Railway has become the first Railway to introduce distributed power system on Locomotive allowing traffic department to avoid engine and break van reversal at terminals. All these strategies radically improved the efficiency of operation.
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Rama city is located in Saskatchewan, Canada
You can search for the Rama SK postal codes by its streets and block numbers
Rama Area Code is 306 and Time Zone is Central (GMT -06:00).
Rama Postal Code - Saskatchewan
Rama Postal Code is a six-character string that forms part of a postal address in Canada. Like British and Dutch postcodes, Rama - SK postal codes are alphanumeric.
The first three characters (alpha-numeric-alpha) of the postal code which represent a geographic area in Rama.
The last three characters denote a Rama local delivery unit (LDU). An LDU denotes a specific single Rama address or range of addresses, which can correspond to an entire small town, a significant part of a medium-sized town, a single side of a city block in larger cities, a single large building or a portion of a very large one, a single (large) institution in Rama, Saskatchewan, such as a university or a hospital, or a business that receives large volumes of mail on a regular basis
If you want to send a mail to Rama City, you should use the corresponding Postal Code.
Rama Postal Code MAP
Rama Postal Code - CA Streets Postal Codes
No streets for Rama
Rama Postal Code Lookup
City: Rama
Rama Area Code: 306
Rama, SK - Time Zone: Central (GMT -06:00)
State: Saskatchewan
State Abb: SK
Rama Elevation: 522
Rama Population: 53146
Saskatchewan Postal Code: related postal codes
View more Saskatchewan postal codes


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Book Flights to Phnom Penh
Once known as the "Pearl of Asia", Cambodia's exotic capital has managed to preserve much of its old charm. Phnom Penh was built by the French in what was then Indochina. Today, it continues to demonstrate the exuberance of Khmer art and civilisation.
Check the price of flights to Phnom Penh further below and book Economy or Premium Class flights to Phnom Penh with Qatar Airways for a dazzling array of Cambodian colour and culture.
Phnom Penh highlights
The Silver Pagoda, with its diamond-encrusted gold Buddha statue, is a good place to start, but don't forget the National Museum of Cambodia, or to take a cruise along the Mekong and Tonle Sap Rivers; strange cuisine also awaits you in Phnom Penh.
Tourist attractions
The magnificent Silver Pagoda stands in its own compound, which also includes a life-sized gold Buddha statue adorned with 9,500 diamonds.
The nearby sprawling Royal Palace is off-limits, unfortunately, but its exterior presents an adequate feast for the eyes and some great photo opportunities. You should also try to include a visit to the twin pagodas that stand in the palace grounds.
You can't miss the Independence and Liberation memorials in the city centre, which celebrate the end of French colonial rule, in 1953. On your trip to Phnom Penh, also drop in to the National Museum of Cambodia, which has lots of interesting exhibits about the country's history and cultural influences.
Leisure activities
The best way to savour the city's delights on your trip to Phnom Penh, is to simply stroll along its wide avenues and look at the old colonial architecture. You can also take a cruise along the Mekong and Tonle Sap Rivers, which typically lasts around two hours. There is also a Mekong Islands Bicycle Tour each day, and you can hire a bike yourself to explore the city on your own.
Watch performances of classical and folk dance at the Plae Pakaa National Museum, where a range of performing arts is on display throughout the week.
There are lots of French, Thai, Indonesian and Vietnamese dishes to savour on your visit to Phnom Penh. The riverfront is particularly alive with music and bustling restaurants. Khmer street restaurants are found throughout the city, if you are eating on a budget. Look for stand-up stalls and bistros, for a wide selection of international and local cuisine.
Cambodia is also well known for its more exotic culinary experiences, such as duck-embryo eggs, day-old chicks and frogs (eaten whole, rather than just the legs). Grilled chicken feet, lobsters, prawns and even insects are all on the menu, so do ask before you eat, just in case you have an aversion to fried grasshoppers.
For anyone travelling to Phnom Penh for some shopping, there are plenty of malls and markets where you will find the best in Asian handicrafts. Silverware, silk, curios and crafts are all well represented. You should look for the Heritage Friendly Business Logo when buying handicrafts of this sort. This is an excellent way to help Heritage Watch preserve the country's culture by supporting local craftspeople.
For a memorable retail experience, try shopping in the grandeur of Central Market, renowned for its architecture. City Mall is ideal, if you're looking for Western-style products. Big brands can be found at the Russian Market and traditional dress materials at the Olympic Market.
Essential facts about Phnom PenhEnjoy a hassle-free journey with all the information you need to know before your trip
Visa information
Check visa and passport requirements before you fly.


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In the last quarter of 2011 a dedicated market monitoring team commenced the work on the first market monitoring report. Starting from the relevant legislation, they developed a methodology to assess retail markets, network access and wholesale market integration. From this a set of indicators emerged for each of these three areas, which have been debated with national regulators, the Commission and relevant stakeholders. With a few indicators added and some topics analysed with a different level of detail, the same methodology was applied for the second market monitoring report and the third market monitoring report covering 2013. The fourth market monitoring report (covering 2014) builds-on the methodology of the third edition and extents the methodology in retail markets by applying the so-called ACER Retail Competition Index (ARCI).
Following this the team has started to collect data from public and non-public sources to fill the selected indicators. For instance, the Agency is sourcing data from national regulators and benefiting from previous work executed by national regulators through CEER. In this respect the report will also benefit from the Regional Initiative platform and from the Customer and Retail Markets Working Group. As regards to public sources the Agency collects for example data from ENTSO platforms and EMOS. In sum, a vast majority of the data used in the 2013 market monitoring report is publicly available.
At this stage, the data collection process from NRAs for the Market Monitoring Report runs through both the CEER and RI in parallel each year. This is due to historical reasons. The CEER database is more focused on retail, whilst the RI template is focused on cross-border wholesale market integration.
In 2015, the Agency commissioned a consultancy study presenting an overview of the current forward electricity markets and ways to monitor the functioning and efficiency of these markets. It also includes proposals for monitoring the effect of the coming Forward Capacity Allocation Guideline.
The final report and the presentation of the study are accessible below:
In 2015, the Agency also commissioned an independent study to develop a methodology for the development of a composite index, the 'ACER Retail Competition Index (ARCI)'. The methodology is using representative selection of the most important indicators presented and analysed in the retail chapter of the MMR. The index allows the results of the individual indicators to be summarised in a more comprehensive way and, on this basis, provides an indication of the relative performance of competition in MS's retail markets. The final report with the methodology is available at:
Agency for the Cooperationof Energy Regulators
Trg republike 3
1000 Ljubljana, Slovenia
tel. +386 (0) 8 205 34 00fax +386 (0) 8 205 34 13
Comments and feedback
© Agency for the Cooperation of Energy Regulators, 2019.


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Australian fans might be excited that Britney Spears is embarking on her first tour down under – but Australian officials are not happy about the singer using pre-recorded tracks during her "Circus" tour.
According to People, Virginia Judge, the Minister for Fair Trading for New South Wales has said she is considering various options to ensure that fans know what they're getting when they go see Britney in concert.
VIEW THE PHOTOS: Pop Princess Britney Spears
"It is Britney's 'prerogative' to lip-sync, and it is my job to make sure consumers know what they are paying for up front," Judge said.
An idea that is being considered by Australian officials is a disclaimer on tickets and other promotional materials stating that certain portions of her concert will be pre-recorded.
VIEW THE PHOTOS: See Hot Shots Of Britney's 'Circus' Tour Opening Night
"Personally I would rather see a live set from a local artist," Judge added, "but I am sure Britney's fans will be treated to a spectacular show."
Despite the lip-synching uproar, many of Britney's shows in Australia are already sold out. She kicks off her first night down under on Friday in Perth.
Related Content from AccessHollywood.com:
VIEW THE PHOTOS: Britney's 'Circus' Concept Art
PLAY IT NOW: Fans Go Wild For Britney Spears As She Leaves 'The Little Mermaid' On Broadway (August 23, 2009)
PLAY IT NOW: Britney Spears' Live 'Circus' Concert Tour Performance
MORE ACCESS ON THESE TOPICS: Britney Spears - Australian - Music - Tours


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Bravo to her best friend, Selena Gomez, who delivered a heart-felt performance of her newest single, "The Heart Wants What It Wants," which later on shed tears to Taylor Swift at the end.
Another heartbroken song performed by Sam Smith who understands well how it feels to be lonely.
Lots of energetic and passionate performances on #AMAs 2014, so it's worth watching!
Here are some recap of the winners from Sunday's #AMAs live on Nokia Theatre, Downtown LA:
ARTIST OF THE YEAR: One Direction
FAVORITE DUO/ BAND- ROCK/ POP: One Direction
FAVORITE ALBUM – RAP/HIP-HOP: Iggy Azalea "The New Classic"
FAVORITE MALE ARTIST – POP/ROCK : Sam Smith
FAVORITE MALE ARTIST – COUNTRY: Luke Bryan
FAVORITE ALBUM – POP/ROCK: One Direction "Midnight Memories"
FAVORITE FEMALE ARTIST – POP/ROCK: Katy Perry
FAVORITE ARTIST – ALTERNATIVE ROCK: Imagine Dragons
NEW ARTIST OF THE YEAR PRESENTED BY KOHL'S: 5 Seconds of Summer
FAVORITE ARTIST – RAP/HIP-HOP: Iggy Azalea
SINGLE OF THE YEAR: Katy Perry Featuring Juicy J "Dark Horse"
FAVORITE MALE ARTIST – SOUL/R&B: John Legend
FAVORITE FEMALE ARTIST – SOUL/R&B: Beyonce
FAVORITE ALBUM – SOUL/R&B: Beyonce "Beyonce"
FAVORITE ARTIST – ADULT CONTEMPORARY: Katy Perry
FAVORITE ARTIST – LATIN: Enrique Iglesias
FAVORITE ARTIST – ELECTRONIC DANCE MUSIC (EDM): Calvin Harris
pics are from LA Times and videos from YouTube; winner lists are from The Variety


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In general, supplements are useful for individuals who are unable or unwilling to consume an adequate diet. Physicians commonly recommend vitamins for very young children until they are eating solid foods that contain enough vitamins. After a child reaches the age of two, however, it is seldom necessary to continue supplements "just to be sure." In 1980, the Committee on Nutrition of the American Academy of Pediatrics stated that supplements might be appropriate as follows:
- Fluoride supplements should be given to children not drinking fluoridated water.
- Children with poor eating habits and those using weight-reduction diets can be given a multivitamin-mineral supplement containing nutrients not exceeding RDA levels.
- Children on strict vegetarian diets may need supplementation, particularly of vitamin B12.
- Pregnant teenagers are likely to need supplementary iron and folic acid. [1]
The U.S. Preventive Services Task Force recommends that all women planning or capable of pregnancy take a daily supplement containing 0.4 to 0.8 mg (400 to 800 µg) of folic acid in order to reduce the risk of birth defects in their offspring [2]. Although a well-balanced diet will provide adequate amounts of folic acid, the task force feels that, for some women, achieving adequate dietary intake might be more difficult than taking supplements.
Individuals using prolonged weight-reduction diets, particularly diets that are below 1,200 calories per day or are nutritionally unbalanced, may benefit from a multivitamin-mineral supplement. People recovering from surgery or serious illnesses that have disrupted normal eating habits may also benefit from supplementation.
Elderly individuals who become sedentary or lose interest in eating may not get sufficient nutrients; they too may benefit from multivitamin-mineral supplementation. Unadvertised brands costing about 5¢ per day are available.
Because iron deficiency is not rare, a National Academy of Sciences committee has recommended that pregnant women take a 30-mg supplement daily during the second and third trimester [3]. Although adequately nourished women do not need iron supplementation, it is simpler and less costly to supplement the diet than to measure blood iron levels several times during the pregnancy. The committee also suggested that although the best way to obtain nutrients is from food, pregnant women who ordinarily do not consume an adequate diet might benefit from a multivitamin-mineral supplement containing moderate dosages of iron, zinc, copper, calcium, vitamin B6, folic acid, vitamin C, and vitamin D.
Women should be sure that their intake of calcium is adequate to help prevent thinning of their bones (osteoporosis). The National Academy of Sciences advises Americans and Canadians at risk for osteoporosis to consume between 1000 and 1300 milligrams of calcium per day [4]. This can be done with adequate intake of dairy products, but some women prefer calcium supplements. Women should discuss this matter with their physician or a registered dietitian.
Much recent attention has focused on vitamin D. Consumer Reports on Health recommends a daily intake of 800 to 1,200 international units (IU), which most people will not get from food. Exposure to ultraviolet light (sunlight) can cause the skin to produce vitamin D, but many people do not have significant exposure. Thus many people may benefit from a vitamin D supplement of 400 or 800 IU [5]
Unless they choose a proper balance of foods, vegetarians who completely avoid animal products re at risk for several deficiencies, especially vitamin B12. The other nutrients at risk are riboflavin, calcium, iron, and the essential amino acids lysine and methionine. Vegetarian children not exposed to sunlight are at risk for vitamin D deficiency. Zinc deficiency can occur in vegans because the phytic acid in whole grains binds zinc, and there is little zinc in fruits and vegetables. Since B12 is present only in animal foods and a limited number of specially fortified foods, vegans should probably take B12 supplements prescribed by a physician.
Antioxidants have received a lot of favorable publicity. For most people, however, using antioxidant supplements does not make sense [6].
People with malabsorptive diseases or who have had portions of their intestinal tract removed may need supplementation to achieve adequate nutrition.
High (above-RDA) doses of vitamins should be regarded as drugs rather than supplements. Although situations exist where above-RDA dosage can be beneficial, these should be managed with medical supervision. Most high-dose recommendations by the health-food industry and its allies are not valid [7]. As the late John H. Renner, M.D., president of the National Council against Health Fraud, has aptly pointed out: "Nutrition is awfully important in a variety of illnesses as prevention and, in a few, as treatment. But you don't put out a fire with the same things you use to keep it from starting." [8]
Don't Waste Your Money
The best way to get vitamins and minerals is from foods in a balanced diet. If your diet is missing any nutrients, it may also lack components (such as fiber) that will not be supplied by pills. If you think your diet may be deficient, you can use the U.S. Department of Agriculture's MyPyramid Tracker to evaluate it.
For professional advice, keep a food diary for several days and ask a registered dietitian (R.D.) or physician to help you. If you have a shortfall, try to correct it by adjusting your diet. If this is impossible, and you conclude that you need a supplement, purchase one whose label lists nothing above 100% of the Daily Value—and take one every other day. Since products meeting this description can be obtained for about a nickel per pill, this method would cost no more than a dollar a month.
- American Academy of Pediatrics Committee on Nutrition. Vitamin and mineral supplement needs of normal children in the United States. Pediatrics 66:1015-1020, 1980.
- U.S Preventive Services Task Force. Folic acid to prevent neural tube defects. USPSTF Web site, May 2009.
- King JC, Allen L, and others. Nutrition during Pregnancy. Washington DC, 1990, National Academy Press.
- Standing Committee of on the Scientific Evaluation of Dietary Reference ntakes, Food and Nutrition Board, Institute of Medicine. Dietary Reference Intakes: Calcium, Phosphorus, Magnesium, Vitamin D, and Fluoride. Washington, DC 1997, National Academy Press.
- The ABCs of vitamin D: How much do you really need, and what's the best way to to get it? Consumer Reports on Health 21:(11):1,4-5, 2009.
- Barrett S. Antioxidants and other phytochemicals: Current scientific perspective. Quackwatch Jan 22, 2010.
- Barrett S, Herbert V. The Vitamin Pushers: How the "Health Food" Industry Is Selling Americans a Bill of Goods. Amherst, NY: Prometheus Books, 1994.
- Renner JH. Interview in Jenkin D. Dietary supplements: Cure or curse. The Oakland Press, Jan 10, 1999.
This article was revised on November 12, 2010.


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Vybz Kartel Charged With One More Murder!
Vybz Kartel. Vybz Kartel Charged With One More Murder , this one reportedly took place at his studio. sent by madaroad.com
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Dog Grooming East Highland Park VA
Dog Grooming East Highland Park VA
Located off Patterson Avenue, we treat your dogs as if they were our own.
Allow us to introduce ourselves! Advanced K9 Boarding & Grooming is an indoor boarding and grooming facility that provides a home away from home for your pet to assure they're comfortable and feel safe while you are away!
Advanced K9 Boarding & Grooming is dedicated to giving your pet the time of their life, when you board with us your pet will enjoy spacious play with other dogs and outdoor time! Grooming doesn't get any better than here, we offer nail trimming, ear cleaning, teeth cleaning, bathing, and impressive cuts. If you're interested in pricing, view our rates page!
Dog Grooming in East Highland Park Virginia
Let Advanced K9 Boarding & Grooming give your pup the best cleaning it's ever received! We provide a comforting and safe environment to lessen your dog's anxiety over bath and grooming time! Expect a fresh clean dog after a bath, teeth cleaning, nail trimming, ear cleaning and a haircut! Schedule a time now!
Boarding Reservations
Dog Grooming East Highland Park Rates and Services
Short Term Boarding – $50 per day
Long Term Boarding – Price Quote Available Upon Request
Small Breed: (Shih Tzu, Schnauzer, Yorkie, Etc.)
Small Breed Hair Cut – $45 and up
Small Breed Bath – $25 – 35
Medium Breed: (Cocker Spaniel, Boykin Spaniel, Schnoodle, Etc.)
Medium Breed Hair Cut – $65 and up
Medium Breed Bath – $35 – 45
Large Breed: (St. Bernard, Golden Retriever, Doodle, Etc.)
Large Breed Hair Cut – $75 and up
Large Breed Bath – $45 – 55
Luxury Spa Package – $20
Medicated Spa Package – $20
Nail Buffing, Teeth Brushing, Rush Rover – $15


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Mauled girl's family won't take KFC money
JACKSON, Miss. -- Kelly Mullins stands by her story that a Jackson KFC employee asked her and her scarred 3-year-old granddaughter to leave the restaurant, but the family has "unequivocally rejected" the fast-food chicken chain's $30,000 donation.
Victoria Wilcher's family turned down the money "because we didn't feel it was appropriate to accept it after everything KFC has done," Jackson attorney Bill Kellum told The Clarion-Ledger.
Mullins maintains the KFC employee asked her and Victoria to leave because her granddaughter's face was scaring other customers.
Victoria was mauled by three pit bulls in April at the home of her grandfather. She lost her right eye and suffered multiple facial fractures.
"Kelly maintains that what she said happened at the KFC is true," Kellum said.
Kellum also said Mullins remains upset about a story in the Laurel Leader-Call on June 23, quoting an anonymous source stating that KFC could find no video footage of Mullins and Wilcher at the restaurant on May 15. The source called Mullins' claims "a hoax," which triggered angry public reaction directed at Mullins. Some people pulled their donation pledges.
"With everything that's happened, we just didn't feel right about accepting their money," Kellum said. "But we did tell them they were more than welcome to donate the money to the Frank Stile Foundation."
A Las Vegas plastic surgeon, Stile has agreed to perform Victoria's cosmetic surgeries through his nonprofit foundation. Raymond E. Peters of the Center for Custom Prosthetics in Naples, Fla., has offered to provide Victoria with a prosthetic eye.
Victoria will fly to Florida on Monday for a weeklong preliminary exam by Peters.
GoFundMe, a popular fundraising website, soon will release more than $100,000 in donations to go toward Victoria's medical care, Bill Kellum said.
"The family is committed to having the money put in a discretionary trust account for Victoria with a third-party, non-family member designated as the trustee," the attorney said. "They want to make sure every cent goes toward Victoria getting better."


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Here's a George Scherr at my work. I always thought it was a neat toolbox, but I never knew who made it until I recently started researching it. These photos are from just a few days ago.
As you can see, it's still in use today. This belonged to Don Brookfield Sr. He founded the company, Brookfield Engineering, in 1934. He passed away in 2004, a year before I started working for them. I've heard some great stories about him from people that had the privilege of knowing him before he suffered a physically and mentally paralyzing stroke in 1997.
Now that I'm mildly hooked on this stuff, I want to find out more information about this box. His son David still shows up almost every day. I'm dying to ask him if he knows anything about it.


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Epigenome NoE's European
Epigenome NoE's European Lecture Series
Bringing some of the top US epigenetic speakers to Europe. Interested in hosting a speaker?
Are you familiar with the Epigenome's Protocols?
Andrew Routh and Daniela Rhodes of the MRC Laboratory of Molecular Biology (UK) describe their in vitro nucleosome array reconstitution system Convert PDF to Excel with a stoichiometry of one histone octamer and up to one linker histone per nucleosome and how to get rid of hickeys. See A protocol for the in vitro reconstitution of nucleosome arrays with a stoichiometric content of histone octamer and linker histone.


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I have an C++ application which uses Microsoft Web browser ActiveX control to launch any URL within the application.
The browser is embedded in C++ form and It's working fine with all the feature Microsoft has exposed through Interface(IID_IWebBrowser2).But while any url that is using session cookie has been launched, even after closing the browser the session cookies are not getting deleted. For example if user login info is stored as session cookies,the url is using the cookies and getting launched without asking for user log in info.
But if I close the browser, and again relaunch , the cookies should be deleted and the url will not find the cookies to be used for log in . That is not happening here. Although this is session cookies , it's not getting deleted and being used by embedded browser. However, if the url is launched in IE, it is behaving as expected.
So, Do I need to delete the cookies explicitly? If Yes, How to do that?
Please needs input here.
Thanks in advance.


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This is a 'Living Village', a museum located in the Gaspe Region at the far eastern end of Quebec.
There will be a course starting in the new year at the village, and it is called Cooking the Traditional Way in which a team of guest cooks will show how to make a range of dishes and baked goods using "real" food.
Participants take the food home.
It will be held on January 14, 21 and 28 at the New Richmond High School. The cost is $5.00 per session, Equipment available and ingredients provided.
To see the GBHV museum, please go to http://www.gaspesianvillage.com.
The Gaspe Peninsula http://www.rootsweb.ancestry.com/~qcgaspe/index.html You can check the online resources such as Civil Registration, Church Records, Census Records, and Cemetery Records.
GoGaspe Genealogy http://www.gogaspe.com/index_en.php?page=genealogy.php There is a list of family sites called Gaspe Families, and Gaspe Links.


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QUESTION OF THE WEEK- What's your favorite Olympic moment?
Welton Hill: "My favorite Olympic moment is when Roy Jones Jr. fought at the Seoul Olympics and lost. He dominated the fight, but the judges said he lost."
Din Botsford:"It's an Olympic trials moment, but this year when Dana Torres at 40 years old broke the world record in the 50m freestyle."
Pam Swope:"Every year, I love seeing the parade of all the athletes and colors from the different countries coming into the Opening Ceremonies."