text:
From the book chapter on navigation – covers maps, transit, and location tracking. This is about the privacy implications of location tracking …
We use Apple location sharing to track the locations of our Explorers' phones. It's enabled one to ride his bicycle across a large metropolitan area and another to travel by bus to and from school. We rely on it.
There are privacy concerns of course. These vary somewhat by years of life, but more by the development of judgment and independence. When our Explorers were early teens we had no privacy concerns at all. We configured their phones so they could not disable location tracking — though they quickly learned they could turn off their phone and block it.[1]
Now that our Explorers are young adults there is a calculated balance between the benefits of location tracking and the loss of privacy and autonomy. An adult Explorer with a legal Guardian, for example, has a different set of personal and social expectations than an independent adult. Similarly, an adult Explorer who gets easily lost, or who is especially vulnerable to dangerous exploitation, will benefit more from location tracking than a cautious Explorer with good navigation skills.
At this time our Explorers are comfortable with location tracking. I think there are three reasons they don't object. One is that they've grown up in an always-connected, always-aware world. Another is that our location tracking goes both ways; they can track us as we track them. Knowing where we are relieves some anxieties. Most of all, I think they appreciate the times that location tracking has helped manage risks and challenges they face.
They are becoming more independent, however. We are coming to a time when their location tracking will change to "opt-in" rather than "always-on". That transition can be a challenge for anxious Guides.
There are two ways to track the location of an Explorer's phone — and, indirectly, to track an Explorer's location or to find a lost phone. I'l review the two options and why to use one or another.
[1] This happens quickly. "You need to leave your phone on when you ride your bike."
"Because we can't see where you are when you turn it off …"


text:
When used correctly and consistently, condoms are an effective way to prevent the transmission of HIV, as well as other sexually transmitted infections (STIs). The Achieving Together team interviewed two organizations in Texas that distribute free mail order condoms online: Texas Wears Condoms and the Condom Distribution Network. The aim of both programs is to reduce the transmission of HIV and other STIs by making condoms more accessible. By creating access to free condoms available online, Texans are able to obtain condoms regardless of their geographical location. Both programs also work to educate communities and de-stigmatize sexual health.
Texas Wears Condoms
"So far, the program has partnered and collaborated with over 150 community organizations/businesses across the state and distributed 1,913,377 condoms (2019)."
Tell us about Texas Wears Condoms.
This project originally began in 2013 at the University of Texas Health Science Center in San Antonio, now known as UT Health. The grant was originally funded only for services in San Antonio, but in 2017 the program received funds from the Texas Department of State Health Services (TX DSHS) to expand its services to all Texas residents.
What are your goals?
The project has three objectives to meet every year, as set by TX DSHS:
- Distribute 2,000,000 condoms
- Collaborate with 100 community partners (i.e. retail, civic, faith-based, etc.) to include 50 local (in San Antonio) and 50 statewide.
- Have 80 distribution sites including non-conventional businesses, clinics/CBOs/ASOs, and community events.
Aside from the goals listed above, the purpose of the program is to educate the community and help reduce the spread of HIV and STIs in Texas by expanding free condoms access, improving condom knowledge and destigmatizing condoms/condom use. The program focuses heavily on destigmatizing and normalizing conversations around sex.
What will success look like?
Individuals will have access to sexual health supplies, regardless of their location and income.
Condoms and other sexual health supplies will be destigmatized and not associated with any specific risk behaviors (i.e. you use condoms, so you must sleep around).
We want to serve individuals from every zip code and county in Texas, reduce the numbers of STIs and HIV in Texas, and improve condom variety, brand awareness and delivery time for packages.
We also want to further the conversation about PrEP and PEP.
How does the Achieving Together plan/movement relate to this work?
Several of the guiding principles of the Achieving Together Plan are focus areas of the program: social justice, equity, empowerment, advocacy, and community. The program leverages technology, partnerships and community action to deliver a multi-layered prevention framework to address deficiencies in prevention, care, and treatment. Re-purposing an e-commerce website to provide condoms and sexual health supplies to order and mail directly to consumers has minimized the barriers to access and provided communities with an equitable platform. The program has also empowered individuals living in marginalized, under-served, and geographically isolated areas by making condoms accessible and available with unrestricted access.
What have you learned?
Through client surveys, we have identified barriers to condom use, such as cost, embarrassment, or not knowing what kind to purchase.We've also learned that individuals want to learn more about sexual health and how they can protect themselves from STIs/HIV, without the sanctimonious aspect. Individuals want to use safe sex supplies (condoms, lubricants, dental dams), they just don't always know where to access them, or how to bring up the conversation with their partners.
Social media is a great avenue to connect with your audience and disseminate factual, sex positive information. It can help grow your program's following organically and with little to no cost.
Finally, we've learned that not a lot of people know about PrEP and its benefits.
Condom Distribution Network
"We have decided to focus our efforts in 2020 toward getting younger MSM of color to access our CDNStore this year. This year, our goal is to send at least 65% of our condom orders to 12-35 year-old MSM of color."
Tell us about the Condom Distribution Network.
The Condom Distribution Network was started in 2014 by AIDS Services of Austin (now Vivent Health) as a way to reach more people through condom distribution. The online store (CDNStore.org) opened around 2016. AIDS Services of Austin (ASA) realized that with so many people of color moving out of central Austin, we needed a way to make it easier for people to get free condoms from ASA without having to come to our locations. We ship free condoms to people in Travis, Williamson, Bastrop, Caldwell, and Hays counties.
We changed our ordering process to make it easier for people to order from us as well as made changes to the way our website looks to give our store a new look. We will be adding videos in both English and Spanish so that people can learn how to put on a condom.
What are your goals?
Our goal is to help more people get access to condoms by removing access as a barrier. We have decided to focus our efforts in 2020 toward getting younger MSM of color to access our CDNStore this year. This year, our goal is to send at least 65% of our condom orders to 12-35 year-old MSM of color.
How does the Achieving Together plan/movement relate to this work?
By normalizing condom use, we believe we can address the stigma around sexual health and testing.
What have you learned?
At ASA, we know that our data can be a great ally to understand what people need. In July, we rolled out our new survey, which captures sexual health information. Within the first month we found that 64% of people who ordered condoms in July had never been tested for syphilis. In response, ASA created a quick one-page infographic with syphilis information, testing recommendations, and locations that were sent out with every condoms order. We were able to see that percentage drop within three months.
ASA has learned that there is still very much a need for condoms in the community and that most people, if given information about this resource, will use it. What we have to do now is make sure this program is getting into the communities that need it and would benefit the most from this program.

subset: commoncrawl


text:
Are you looking for the perfect organizer for your home? Look at this one.
These baskets are very practical. You can crochet them in various sizes and colors. You will put all the most important items in them. They look beautiful as a decoration. It is not a difficult pattern to create. Download the free pattern and enjoy these baskets in your home.
Colorblock Baskets Free Crochet Pattern is here.


text:
Log in | My Account | Basket Twitter Facebook LinkedInAdvanced Search
ed. Elisa Guerra Doce et al.
Proceedings of the UISPP World Congress
Proceedings of the XVII UISPP World Congress (1–7 September 2014, Burgos, Spain) 6
Proceedings of the UISPP 2014 session 'Analysis of the economic foundations supporting the social supremacy of the Beaker groups'. Papers presented at this session suggesting that Beaker groups may have controlled certain products and technologies. READ MORE
Paperback: £30.00 | Open Access


text:
Contact Us
Mon-Fri 7AM - 5PM (PT)
Mon - Fri 10AM - 4PM (PT)
Buy on the Anker Store
Hassle-Free Warranty
30-Day Money-Back Guarantee
Fast, Free Shipping
Lifetime Customer Support
© Fantasia Trading LLC 2022 200923810277
Model Number: A80E6 / A80E5
Anker 543 USB-C to USB-C Cable (Bio-Nylon)
The Ultra-Durable Bio-Based Nylon Cable
A Greener Way to Charge
The exterior of the cable body and the connector casing is constructed with bio-based nylon, while the packaging is made of 100% recyclable paper and printed with soy ink.
Built to Last
Tested to withstand up to 20,000 bends—this is a cable that won't let you down.
Fast Charge Ready
Supports up to 140W charging when paired with a 140W wall charger.
Wide Compatibility
Whether you have a laptop, a tablet, a phone, or any other USB-C device—this cable can charge it.
Fully Compatible Devices: MacBook Air (M2, 2022); MacBook Pro 14″ (2021); MacBook Pro (M1, 2020); MacBook Pro (2019/2018/2017/2016) 15.4″; MacBook Pro (2020/2019/2018/2017/2016) 13.3″; MacBook Air 2020/2019/2018
Lenovo Yoga 14s; Lenovo ThinkPad X1 Series; HP Spectre Series; Google Pixel 3/4/5/6
iPad Pro 12.9″ (5th generation), iPad Pro 12.9″ (4th generation), iPad Pro 12.9″ (3rd generation), iPad Pro 12.9″ (2nd generation); iPad Air (4th generation), iPad mini (6th generation)
Samsung Galaxy Note 10+/10/9/8; Samsung Galaxy S22/S21/S21+/S20/S10+/S10e/S10/S9+/S9
Compatible Devices (Limited Charging Speeds); MacBook Pro 16″ (2021)
This cable does not support media display. This is a USB-C cable. It only works with USB-C chargers. It is not compatible with USB-A wall chargers.
Tech that is at the cutting edge of performance and specs.
200 Million+ Products Sold Worldwide
Available in 146 Countries
Pioneer in Charging Technology for 10 Years
"Anker Nano II can truly be one charger to rule them all."
Unbox Therapy


text:
So yesterday I took a few snapshots using both the Sony Nex-6 with the 16-70mm f/4 OSS Zeiss lens (sel1670z) and the Sony Alpha A7r with the 24-70mm f/4 OSS Zeiss lens (sel2470Z). I thought this would be a great opportunity to show you how the cameras perform with basically the same glass but obviously different sized format sensors. I know many of you are on the fence about the quality of full frame vs the smaller APS-C and is it worth upgrading etc..
I've said in the past that the full frame has a more 3D look to it and also the larger format captures much more of the scene with the same focal length. This is where the zoom crop factor comes in on the APS-C sized cameras and you need to multiply the focal length by it to get the actual effective focal length. Full tutorial article explaining Crop Factor (Click Here)
So in other words, the 16-70mm lens on my Nex-6 is effectively multiplied by 1.5x due to the smaller aps-c sensor size. Therefore the effective focal length equivalent is actually 16-70mm X 1.5x which = 24-105mm! Now that is a perfect effective focal length in my opinion and you may also recall its my favorite full frame EF Canon lens that I like to use with the Metabones II lens Adapter (Click Here)
So moving on to some real world photography, let's take a look at what 16mm on the Nex-6 vs 24mm on the Alpha A7r looks like shall we? I also have Lab photos to show you guys, but those will be used in the full review of each lens as the evaluating, naming, and cropping of all the pics takes time. Real world photography is more important and what really matters in the end anyway in my opinion.
Full Frame VS APS-C Via Zeiss F/4 OSS Zooms
First, take a look at the gear below and be sure to click the photos for the larger ~1200 px version if you want to see more details and full sharpness.
Red Barn
I had to bring my best buddy Chubs to the vet for his shots yesterday, and from the parking lot this brilliant red barn was being lit by the sun perfectly in the morning light. I grabbed a few snaps with each camera and lens combo, so let's see if there is a noticeable difference in "look" and/or quality of the photos shall we? I was shooting raw quality just so you are aware, and I used a new preset I've been working on for Lightroom 5 to enhance the files equally. Basically the preset applies the lens profile corrections, a medium tone curve adjustment, some clarity, some vibrancy, and a little sharpening. I then fine tuned the exposure and WB ever so slightly if needed, but both cameras had good exposure for the most part. The A7r in particular exposes the highlights a little brighter than the Nex-6 I notice mostly.
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ ~16mm (effectively 24mm)
I actually took this next frame at 26mm on the A7r by mistake as I meant to use 24mm, so I cropped the nex-6 image in a little bit to match the frames up.. It was only a slight crop in lightroom 5 on each image. What is important to note is the overall look of the image. Note the distortion of the barn difference by how vertical the lines look in each image.
Sony A7r w/ 24-70mm f/4 OSS Lens @ ~26mm
La Manette Hotel – No Vacancy
This next scene offered some serious dynamic range to contend with and lots of corner details and space between the foreground and background. I also took a few different focal lengths with each lens this time 😉 I was hand holding the cameras so the scenes are not identical unfortunately. I apologize for that added variable, but I was pressed for time. Lab tests will be the same though.
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 16mm (effectively 24mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 24mm
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 22mm (effectively ~33mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 34mm
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 70mm (effectively ~105mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 34mm
Layla and I went out back and took a few snapshots 😉
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 70mm (effectively ~105mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 70mm
She also got a lovely charm necklace she wanted to show off.
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 70mm (effectively ~105mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 70mm
This is the lid to out little fire-pit and the blue is the trampoline posts and netting in the background.
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 70mm (effectively ~105mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 70mm
And lastly a snapshot from the other morning Bashakill visit in the morning glow. A similar frame anyway but I was using the A5000 as opposed to the Nex-6 this time for reference.
Sony A5000 w/ 16-70mm f/4 OSS Lens @ 70mm (effectively ~105mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 70mm
Lab Photos
For a much more effective visualization I took some lab photos which helps illustrate what the full frame format can do compared to the smaller APS-C sized format. The cameras were the same exact distance from the Lab, but the Nex-6 I raised up a little bit to try and match the A7r a little better. What is important to note here is the crop factor Nex-6 @ 16mm is effectively the same as 24mm. And 47mm on the Nex-6 is effectively the same as 70mm on the A7r. So the lab scene will look the same with both camera and lens combos despite the crop factor, because the lens focal length difference is making up for it. I hope that makes sense?
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 16mm (effectively ~24mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 24mm
Sony Nex-6 w/ 16-70mm f/4 OSS Lens @ 47mm (effectively ~70mm)
Sony A7r w/ 24-70mm f/4 OSS Lens @ 70mm
Closing Remarks:
I would love to hear your thoughts on the look of each camera and lens combo and if you can see the difference or not. Full frame vs APS-C pretty much head to head in the real world, with the slight zoom advantage going to the 16-70mm lens of course. Otherwise very similar lenses each designed for the respective format e-mount cameras. I can see the difference, but on some of the photos the larger view is required. It's also worth noting that the addition zoom on the 16-49mm gave the Nex-6 a slight advantage for the Layla and random pics in my opinion based on the separation and composition etc.. It's hard to compare apples to apples like this in the real world often times. I should had only zoomed to about 50mm to keep the max zoom the same. Sorry about that, but I think the images still do a decent job showing just how good both cameras and lenses perform in the real world under the same conditions 😉
That is about it for now, but please stay tuned for the both E-Mount Zeiss f4 OSS Zoom lens reviews which I will get published momentary 😉 In the meantime, support links for the gear used are below and thanks again for checking in! Comments and questions always welcomed and greatly appreciated.


text:
Ομιλία με θέμα «Towards a sustainable tourism ecosystem: Τhe greek example» στην Ένωση των Οικονομικών και Εμπορικών Διπλωματών των Ξένων Πρεσβειών στην Ελλάδα (ECDC)
Ladies and gentlemen, Unfortunately, a once unimaginable, war in Europe casts its grey shadow over all social, economic and environmental aspects, including tourism. The conflict is adding further pressure to an already challenging economic environment, undermining consumer confidence and raising investment uncertainty. Moreover, consumer purchasing power pressure is triggered by the effects of the conflict as well as increasing operational …Continue reading


text:
My brother Fredrick has battled renal cancer for a few months. It appears to be all gone after the operation to take out the tumor and kidney but he has other medical issues now. He is losing blood somewhere. So much he is seriously anemic and had several blood transfusions during each of the past two weeks. Tests show nothing amiss through the digestive track. They will see a hematologist today.
Fredrick, a few years younger than me, is very fatigued and still unable to eat much. He has already lost over 35 pounds. He has to maintain his teaching job because he will be vested at the end of this semester, although he has little strength to go. (Hopefully, next semester he can take a sabbatical.)
Our family gathered the Saturday after Thanksgiving. Too many of us for any person's house, we met at Shawnee Community Center. Wonderful time together. I'm including a picture of me with my awesome sisters and brothers. They are the best.
I know the power of your prayers. They have helped me deal with my cancer treatments this past month and kept me uplifted – such strong warriors who believe in God's healing hand.
So, please add my brother to your prayers. Pray that he be encouraged, for he needs that very much. Pray that the doctors will find the source of his problems and a way to remedy it. And pray for his wife Jeri, who lovingly takes care of him. His health concerns are far from over, but God is greater.
"Surely God is good to the upright, to those who are pure in heart." Psalms 73:1. His address is Fredrick Akin, 19901 Coker Rd, Tecumseh, OK 74873 (not 73873).
You are loved,
Related articles
- My Brother Battles Cancer (kathrynspurgeon.wordpress.com)


text:
Michael Cera Shuts Down 'Superbad 2' Dreams
You know him from Arrested Development, This is the End, and the film that put him on the map: Superbad. And though it's been nearly 10 years since Michael Cera starred alongside Jonah Hill in the Seth Rogen-made film, fans are still begging for a sequel. But recently, Rogen revealed he has no intention of making a sequel. This is a disappointment to fans of the 2007 R-rated comedy, myself included, so when I had the opportunity to chat with Cera about his latest Rogen collaboration, Sausage Party, I asked about his thoughts on a sequel — you know, just in case any enthusiasm from Cera could change Rogen's mind.
"I think it would just be sad at this point," the now 28-year-old actor says. "It would be doing the same characters but ten years later. Everyone would be like, 'Oh man, I liked it when they were young and bushy-tailed.' Sometimes if you wait too long, it's not so sweet anymore. To me it's such a nicely wrapped up story. I think it's a stand-alone movie."
Well, damn. From both Cera and Rogen's statements, it seems almost certain a Superbad sequel will not be in the works any time soon. But never fear, future collaborations between the two comedians are a given. After all, it's been ten years since the duo met during Cera's Superbad audition, and their friendship has only grown since.
"The first time I met Seth I was auditioning for him, which was very intimidating," Cera admits. "I was a fan of Seth's and really wanted the job. As soon as I got cast though, the dynamic shifted and we became friends. He's always made me feel really supported, and he makes you feel funny, which is really nice."
Cera recalls the decade-old audition, saying he felt like he was "jumping through hoops" to get the part. "They were doing chemistry tests with a lot of different actors. I didn't know that I was hired for a long time, even though I think they had already decided I had the job."
Though we won't be seeing Superbad 2 in cinemas, you can catch Cera and Rogen's voice talents in Sausage Party, which hits theaters August 12.


text:
We believe everyone can make a contribution to improving the quality of life in Anchorage. We support the following organizations:
Our Goal: Providing you with the highest level of service, so you'll always choose us for your maintenance and repair needs.
For most people, auto maintenance and repair is not fun or convenient. So, we want make the process as easy and enjoyable as possible for you. We genuinely care about your car and your experience, and it shows. Our first-time customers continually become our long term customers time and time again, choosing us for all their auto needs.
We may not be related, but you'll feel like we're family.
We're committed to serving you with friendliness, quality, and value.
Our mechanics are highly skilled and have years of experience. Most of all: they love cars and care about yours. Whether it's our quick, quality, friendly service or the honesty and value we bring to every interaction, our customers love us.
Get to know our experienced mechanics. They've got the tools, skills, and a desire to help. Come see why no shop is as quick, qualified, or convenient as we are.
Visa, MC, Discover Accepted - Military and Senior Discounts Offered
Copyright 2014 © Specialty Truck and Auto, Inc.


text:
Our small brushed bronze dancing fat lady plays with shapes and perspective to create a quirky conversation piece that lightens up any space. Teetering on tip-toe with arms aligned in a single plane and head tilted back, she is permanently caught somewhere between leaping and falling.
Scroll down for everything you need to know about this piece: dimensions, sustainability and more


text:
Academy of Health Information Professionals (AHIP)
Join more than 1,000 colleagues who are members of the Academy of Health Information Professionals!
The Academy of Health Information Professionals (AHIP) is the peer-reviewed, accomplishment/portfolio-based certification and career development program for health information professionals. Academy membership indicates that your peers have certified that you have met a standard of professional education, experience, and accomplishment and demonstrates that you are committed to career development. AHIP is also a membership organization in which members are entitled to career development, planning, and mentoring resources and member discounts.
Future, new and renewing AHIP members: please send us your questions about the program in general or about your application in particular. We are always happy to assist.
"As a medical librarian it's important to demonstrate a commitment to the profession through activities in a variety of areas. AHIP is a mechanism by which to do this and demonstrates to colleagues and administrators that commitment on behalf of the individual."
"The AHIP credential is recognized in medical libraries as the most important credential after the MLS itself. AHIP certification lets others in the profession know you have the skills needed to serve at a professional level in contemporary medical libraries."
"I find AHIP membership to be a great push/reward to continue my education and participate professionally. I work in a hospital with professionals in many other fields who have credential initials after their names, so I think having my own earned credential gives me more authority."
"Even though it is not required by my employer, to me, AHIP membership is a tangible demonstration of my commitment to the profession and life-long learning."
"1) AHIP is a prestigious credential when applying for jobs, 2) I support MLA and the notion of the professional credential."
"AHIP is a way for continuing education and professional associations involvement. My boss also thinks AHIP status is important."
Learn about the Academy
- See the Academy FAQ for answers to questions about AHIP
- Learn more about what the Academy can do for you
- Why the Academy is valuable to your employer
- Why the Academy is valuable to your colleagues
Join the Academy
- Determine your eligibility for Academy membership
- Apply to join as a Provisional Member
- Apply to join at the Member, Senior, or Distinguished Level
Renew Your Academy Membership
- Renew your annual Provisional membership
- Renew your Academy membership at your current Member, Senior, or Distinguished level
- Renew your Academy membership at a higher level
- Retiring? Become an Emeritus Academy member
Find out how to earn AHIP points. See the AHIP Point Index
See if your chapter offers funding for AHIP fees
Promote your Academy credential with the AHIP Career Success Toolkit
Have questions?
- Contact the AHIP Program Coordinator
- Contact your regional AHIP liaison
- Find an Academy mentor


text:
Submitted by Edward Harrison of Credit Writedowns
At issue here is the news that the Obama Administration dropped plans to force financial institutions to offer "plain vanilla" financial products that are simple enough for consumers to understand. My headline is editorial enough on this issue. So, rather than editorialize this latest announcement, I'll quote from the press.
- The beginning of the end of meaningful regulatory reform – Felix Salmon
There's no good reason for this capitulation, except for the financial lobby has so effectively captured Congress that no reform would be able to get through with such a common-sense provision in place… I fear that by the time Congress is done, the Consumer Financial Protection Agency won't be able to protect consumers at all — and that's assuming it'll even exist.
- White House Pares Its Financial Reform Plan – Deal Book
At a hearing before the House Financial Services Committee, Treasury Secretary Timothy F. Geithner announced that the administration had dropped a provision in its plan for a consumer financial protection agency that would have required banks and other financial services companies to offer so-called "plain vanilla" products, such as 30-year fixed mortgages and low-interest, low-fee credit cards
A requirement that firms providing financial products offer 'plain vanilla' loans and cards is dropped, indicating the Obama administration is willing to accept major revisions to get its plan passed…
On Wednesday, Treasury Secretary Timothy F. Geithner backed down on a key component that has stirred opposition — a requirement that companies providing financial products offer a "plain vanilla" option, such as fixed-rate mortgages or no-frills credit cards.
His retreat came after Rep. Barney Frank (D-Mass.), chairman of the House Financial Services Committee, floated details of his own version of regulatory legislation that eliminated the requirement.
Geithner's move showed that, just as with healthcare legislation, the administration is willing to accept significant revisions to get its plan passed.
I said my piece in June. Serious reform is not going to be forthcoming – not on healthcare or in financial services. Am I wrong here? After all, Paul Volcker is singing another tune. Please tell me how you see this.
Update: I found this related item at the FT:
Angela Merkel warned fellow world leaders on Thursday not to make the fight against global imbalances the central issue of a meeting of the world's 20 largest economies, which kicks off in Pittsburgh on Thursday night.
Speaking in Berlin before boarding her flight, Ms Merkel came close to accusing the US and Britain of backtracking on the issues of financial market regulation and global limits on bonuses for bankers by shining the spotlight on the export-oriented economic policies of Germany and China.
"We should not start looking for ersatz issues and forget the topic of financial market regulation," she said in her clearest comments to date. "We cannot afford to neglect this issue now."
The evidence remains at 100% in one direction: Any attempts at piecemeal "reform" will be gutted or otherwise fail completely. The existing political class is irredeemably corrupted and cowardly. Any attempts at Change through that political class are foredoomed. Anyone who doesn't understand this is by now willfully blindered.
I know, lets find out next time if that's really true. You know, just as an experiment. Because it seems to me we can all clearly see now that 'meaningful reform' — whatever that is — will not be happening, and so without this the "too big to fail" crap is more or less the 'mother of all moral hazards'.
Sorry — clicked on the wrong reply link; my comment was meant as a reply to the one directly underneath.
And with "crap" I meant no disrespect. But I do think that "too big to fail" is the genesis of 'moral hazard', and that truly is a crap deal for society.
Joseph j7uy5
Some banks are too big to fail. Many are too insolvent to be able to withstand meaningful reform. I think the strategy for recovery is based upon banks earning their way out of this mess. Unfortunately, they have no hope of doing it honestly, so we'll let them do it dishonestly.
Gonzalo Lira
Obama is like Clinton: He's more interested in being popular and conserving his political capital than in actually doing what's necessary, or what's right.
Ironically, the imbecile Bush understood in a way Obama does not that you get political capital by spending it—which is why W. was able to pursue so many (misguided) policies successfully.
The Obama presidency is shaping up to be like Jimmy Carter's.
I don't believe the CFPA is central to financial reform. Nevertheless, I agree with your sentiment that no meaningful reform will come of this. We are now in a period where conditions seem to be improving though still fragile and the hoi polloi don't want to rock the boat. When the economy eventually finds itself on solid ground, the revisionist history will start, and we'll be told "see, there's no need for reform, everything worked itself out".
Francois T
"When the economy eventually finds itself on solid ground, the revisionist history will start, and we'll be told "see, there's no need for reform, everything worked itself out".
Gee! I can't wait to see the economy that will find itself on solid ground when consumers are tapped out for the foreseeable future while financial institutions have pretty much all the rights to raped them further.
There is no sustainable advanced economy without fair and basic protections for individuals. Period!
But What do I Know?
Yes another instance of the persistent belief that the economy runs in cycles, and that "the cycle" is now turning up and can be counted to end the mess on its own, without any action on the part of the Powers That Be–that there is no need for reform because the system is inherently self-correcting and will work itself out. (This is the mirror image of the boy who cried Wolf–the villagers don't respond to the boy's calls for help because they believe the wolf will leave on his own.)
Now I'm not saying that the economy can't run in cycles, but part of the reason it would run in a cycle is that people take actions at the bottom of the cycle to allow the upswing to form–liquidation, reform, etc. In other words, the business cycle can only occur when people are not complacent about its existence.
I'm not sure what good another government agency would have done in any case, but the fact that it is being quietly shelved is just another example of the Administration's failure to accomplish anything at all. Obama is increasingly looking like a guy who can't crack heads and get things done–a well-meaning, well-spoken amateur who is in over his head. Such men are oft times dangerous.
Nik Kondratieff
I wish I were surprised, but until the real pain comes, there's no financial reform on the horizon. Sad.
As a person who voted for Mr. Obama for President, you can't imagine how disappointed–no, disgusted–I am with his policies since he was elected.
He is ALL TALK, and NO WALK. In fact, his smiling face is all talk all day, everyday–incessant and insincere. Yet he has not delivered on a single "change you can believe in" promise he made during his campaign. He has folded (like a limp shirt) to financial lobbies (including his inhouse lobby, Larry Summers) on critical economic matters, he doesn't know what he wants in the way of healthcare insurance–as long as he can put his name on a piece of legislation, and his backpedaling so fast on his commitment to Afganistan ("the good war") that I'm surprised his own feet haven't hit him in the face.
Next time, I'll just vote for a Republican, who I know will be a supply-side booster of big business, further cut taxes while increasing spending–mostly needlessly on defense (& adding to our debt), and will screw the little guy and less fortunate while smiling ear to ear and saying, "Ain't America great–the land of opportunity!" At least I'll know it's a lie from the getgo. So much for Obama's hypocrisy!
Your comment very much reminds me of something Martin Luther King once wrote:
It may well be that the greatest tragedy of this period of social transition is not the glaring noisiness of the so-called bad people, but the appalling silence of the so-called good people. It may be that our generation will have to repent not only for the diabolical actions and vitriolic words of the children of darkness, but also for the crippling fears and tragic apathy of the children of light.
with all due respect, how could have *not* seen this coming…?
Anonymous Jones
I would like to leave a calm and measured response to Lilguy, but the sentiment behind his comment is so infuriating and disgusting that I simply cannot. What semi-experienced human being in his right mind should have rightfully expected Obama to be a savior? You honestly expected a politician to sacrifice himself for *your* good? Does this not seem idiotic when I phrase it this way?
Listen, don't expect anyone to sacrifice himself or herself for you. It's not a rational expectation. This is the perhaps the most insidious problem with our society (our "obese and happy" society): the mass and contradictory delusion that each individual has that he or she can have exactly the world he or she wants without doing any work or making any sacrifice to make it happen. I am surrounded by these people every day, and it sickens me.
You expect Obama to effect change when no one in this country is really sacrificing or clamoring for change? The only people in this country making noise are the birthers and the town hall screamers. Where are the protests? Where are the marches from Selma? They don't exist. Where are the sit-ins and the Kent State shootings? They don't exist. Where are the people actually *doing* something to demand financial reform? They don't exist. All we have are some people writing blog posts and other people leaving comments to that post. Wow. That's powerful. I would be really frightened right now if I were in power.
And your so-elegant-solution to this problem is to switch parties? Do you not realize that this is exactly how the oligarchs want you to act? Switch parties every few terms but don't actually do something to change the system?
Great. Move from the party that is making things worse to the party that is making things worse more rapidly. And then next decade, switch back. Problem solved!
Obama is not going to sacrifice his own career for your good. Pretty much no politician is going to do something like that. He's working for the people who are going to advance his career: the oligarchs. That's just the way it is. Get used to it. No one is going to make the world the way you want it unless you *force* them to do so.
I'm sorry you feel cheated, and I'm sorry you're hurt. But for just a few moments, examine the possibility that that's on *you* rather than blaming someone else.
If all you do is go into a voting booth every few years, nothing will change. So honestly, with all due respect, either do something real or stop complaining.
Well put.
As a nation we are 3 generations too late (and that many too soon) from having enough balls to stand and fight for common and worthy principles.
But a century of creeping deprivations will toughen us, and some future generation will (again) look to their greater principles past their narrow individual desires and do what it takes to change things on the ground.
We can shorten the learning curve by being ourselves a voice for fairness and justice, and by vocally defending democratic principles for the many against abuses by the powerful few. The sooner that the signal is given that these abuses must end — and will end — the sooner the real struggle will be joined towards that end.
That's not talking like a Marxist. That's talking like a patriot. Anyone who cannot appreciate the distinction has missed the crux of the problem.
Yo, Anonymous Jones, I think you must have mis-read something in my comment. You seem to be making two points:
(1) You say I want Obama to do something that will do me some good. Pretty much not true. I am financially independent and quite effective at playing the investment/finance/tax games as they are–and have been doing so for decades. That doesn't mean the current economic/financial policies are "right", that is, serving the interest of most Americans or the economy. The continued redistribution of wealth & income to the top tiers of the US populace is undermining our economic and democratic future, possibly resulting in some of the more violent actions alluded to in this stream.
My wife & I have health insurance for life–including extended nursing care later on–so the most likely outcome of universal healthcare plan (with or without a public option & other features) is that my costs would go up with no benefit advantages. Again, however, some 15% of Americans do not have health care and need that protection.
Finally, I have NEVER believed a war was in *MY" self-interest–especially because I have served in combat–but I believe it is important to national security that we eliminate the safehavens used by radical Muslim terrorists, most notably in Afghanistan & the tribal areas of Pakistan. That would help protect America, but it's unlikely to affect me personally. (If that sounds like McCain, I'll take that rap–but I won't vote for the guy.)
(2) While I don't expect Obama to sacrifice himself for me, I do expect him to actually pursue a policy agenda that remotely resembles the platform he campaigned on. This includes curtailing financial excesses, reforming health care, and continuing "the good war" (his words) in Afghanistan among others. His economic/financial policies have been straight out of the W playbook–which he deplored last autumn, he has not stood for anything on healthcare reform–compromising initially & then caving in as others have pointed out, and his actions on Afghanistan explicitly contradict his campaign promise.
And, for the record, I have done more than complain on blogs and switch candidates (I've never voted on a party basis). If someone has the time to start to organize action to achieve progress on the above items (eg–Ron Paul's audit the Fed initiative for starters), they can count on me for financial and personal support.
Avl Guy
But "merely" writing a check and blogging simply will not cut it, Lil Guy.
You, Lil Guy, have to RISK something far greater than that…you and your ilk need to move way way way beyond your cozy comfort zones of 'check writing' and blog commenting. Re-read Anonymous Jones' comment to you and this time don't skip the uncomfortable parts. Lil Guy, you have to step away from the laptop keyboard and go make a physical unambiguous hard to ignore PROTEST in physical form that makes it very clear that you are not happy.
That was clearly what Anonymous Jones said and you blithely did not address it and chose instead to ramble on about your wealth and healthcare.
I too live in a very deluded community, Asheville NC, and just last night I had to endure yet another whiny "Obama Sticker On My Car" guy and his crying about how he is going to run away to Canada. Sniff. Sniff.
Sheeesh….with an army of lily-livered lawn-chair-folding fighters, no wonder Obama takes all yall for granted.
I voted, wide-eyed and quite sober, for Obama knowing full well two things about my vote: that a vote for Obama in '08, in the long run likely be no different than a vote for Kerry in '04, and who really thought Kerry would "Change the world"; and 2) that most rabid voters would sling their tails between their legs and run to Canada once they discovered Obama was Bill C. or Carter, etc, hence guaranteeing my forecast that Obama will stay as he is, rather than take the time as active and still-engaged activists, thru trial and error, to locate the pressure points for change on that administration.
I knew most staunch (and naïve) Obama supporters would be useless come November 5 and beyond because they were too risk averse to anything meaningful beyond responding to blogs and writing checks.
Blogging won't get you the change you want.
Checkwriting won't get you the change you want either.
Lil Guy, you need to go about two light years beyond ur comfort zone to earn, thru risk and real sacrifice, the Change You Desire.
At the end of the day it will always be about R-I-S-K.
Risks For you.
And yes, Risks For me.
For certainly, Risks for Obama.
Anonymous Jones
Lilguy — I appreciate your response. It was inappropriate of me to direct all my ire at you personally when it was simply what I saw as the subtext of your comment that upset me.
For the record, I do still think it is unreasonable for you to "expect [Obama] to actually pursue a policy agenda that remotely resembles the platform he campaigned on." I know this might be a shocking statement to most people who depend upon others to uphold their promises, but it doesn't matter that 80% of the people uphold their promises 80% of the time. This is irrelevant. You cannot expect a politician to uphold his promises once upholding his promises is no longer in his best interest. History is bursting at the seams with evidence of my last statement.
Your expectation does unfortunately fit a popular definition of insanity (continuing to do the same thing and expecting different results).
Steve Roberts
Krugman made an argument on the subject many months ago. Obama has a really bad habit of negotiating against himself in hopes of getting support for a bill before he asks anyone to sign it. He gives back key features early in the process in hopes of it somehow making for an easy pass in Congress. Then when it actually gets to the negotiating table, the other side sees a weak Obama who doesn't know how to negotiate so they demand MORE and he gives more. If or when it finally passes it's so horrible and watered down that Obama has to spend the rest of his political capital arguing that it wasn't a waste of time to get the junk reform we ended up with.
We need massive financial reform and just pushing it all onto the Fed's desk isn't the solution anyone should want.
A "new" consumer protection agency begs the question of who would be protected and from what? It might take a 500 page bill plus months writing new regs and rules after creating a new agency (either separate or within an existing) to monitor the process. And then what? The smart people will simply work around the rules as they always do in a rules based circumstance. And with "consumers" now "protected" their recourse may end up even more limited.
I have never had a problem getting a plain vanilla mortgage albeit with a near half ream of government required documents. Fixed rate, no pre-pay, 30 year, no PMI, etc. I have also had a no-doc (liars) loan, an adjustable rate (LIBOR based) loan at various times and from my 1980's era – a Land Installment Contract held by the seller with 11% interest (actual mortgages were much higher if you could get one).
Credit cards? Again, plain vanilla or with "benefits" have always been available if one qualifies. If you don't carry a balance then interest rates are a non-issue. If you carry a balance guess what? You're spending more than you earn. Stop doing that and you effectively walk away from the avaricious banks and credit cards. We don't need an agency or CFPA we need to be able to say "no" to ourselves.
So who will be protected and from what? My guess is that such an agency and/or bill will mostly be for the benefit of AFSCME (plus their federal counter-part) and trial lawyers.
Worse, a CFPA is not the type of financial reform that might actually break the Washington-Wall Street nexus that has bankrupted the country (world?). The multi-trillion stimulus/loans/guarantees/et.al. have masked the problem. As long as the Fed/Treasury/WhiteHouse can mask the problem for another 7.5 years all will be well – for them.
I wish those like yourself who argue against regulation and consumer protection just once had to live in a country where your laissez-faire utopia exists.
Mexico is such a country, as this article explains:
And for the life of me, I cannot understand why you want to remake the United States in the image of Mexico.
Let me tell you what it's like to live in a world where there is no effective banking regulation or consumer protection.
Here an insufficient funds check costs you about $75.
Following is a link that provides an example of the typical credit card offering:
Carrying a 10,000 peso (approx. $750 USD) balance, the annual interest rate is nominally 55.50%. But with all the extra little charges they add on, the actual rate you pay morphs to 74.05%. With a 100,000 peso balance (approx. $7,500 USD), the nominal rate is still 55.50%, but the effective rate drops to 64.19%.
In Mexico, if a business double-charges or over-charges you, or if you want to dispute any charge whatsoever on your check card, there's no calling the bank and having the charge removed pending resolution of the dispute. Instead, you have to contact the business and they have to agree to call the bank and request the charge be removed.
If an embezzler is able to access your account and steal money, regardless if the breech was due to neglect of the bank, even if it is shown that bank employees were involved in the fraud, the loss is yours, the bank is not required to indemnify you for your loss.
These are just the things that I have either read about or personally experienced. I'm sure there are other abuses. And this is in a country where two-thirds of families live on less than $600 per month.
Yes, and how about the lovely multi-colored shards of broken glass cemented to the top of those high brick walls by which much of the populace of Mexico feel compelled to protect themselves from other manifestations of the laissez-faire utopia?
For that matter, why haven't the LF utopians adopted Haiti as their poster-country of choice? Who needs any government and all that burdensome regulation?
jon livesey
You know, that's pretty silly. One might as well as why those who prefer a highly-regulated society didn't emigrate to the USSR while they had the chance.
After all, not only did it conform to their regulatory model, but it even made opposition to it illegal and punishable by prison or death. What's not to like about that?
Come on, let's have some common sense here. Mexico is close to being a failed state and its problems go far beyond excessive credit card interest rates. These are just straw man arguments.
jon livesey,
You say "Mexico is close to being a failed state and its problems go far beyond excessive credit card interest rates."
That's the sort of self-serving reductionism that is popular with US officialdom and mainstream media. However it has little to do with what's really going on in Mexico, and it ignores the fact that much of the reason Mexico is lacking in protections for its people is due to the neo-colonial interference into Mexico's internal affairs by the United States. Perpetrating the myth that Mexico is close to being a failed state is a way to justify continued intrusion by the US into Mexico's internal affairs, all with the objective of imposing neoliberalism so that a favorable operating environment can be created for multi-nationals like Banco Santander Serfin and Telmex, a large chunk of which, I might add, is owned by the US-based corporation SBC.
The notion that Mexico is close to being a failed state has been around since at least the early 1980s. Bob Woodward details in his book Veil: The Secret Wars of the CIA how the CIA operative Brian Latell was dispatched to Mexico and that, after noting the urban and rural unrest, large foreign debt, enormous capital flight, and widespread corruption duly concluded that Mexico was ripe to fall.
All of these machinations fall within a broader "U.S. National Security" framework, which, according to the Mexican politilogue Adolfo Aguilar Zinser "is a global strategic doctrine, relative to maintaining economic, political and military supremacy in its zone of influence." In the name of its hallowed "national security" the US has transformed itself into what Daniel Yergin labels "a national security state—a nation in which external and national security concerns become dominant and domestic concerns are subordinated…"
As the U.S.'s Latin American "sphere of influence" has deepened, every challenge to US hegemony—from guerilla movements to a moratorium on foreign debt payments to a reluctance to privatize a national petroleum corporation to drug money laundered in Latin political campaigns—is evaluated by Washington as a possible threat to its own "national security. Mexico, by the sheer weight of propinquity, presents the greatest threat to the "national security" of its northern neighbor. Oil, drugs, immigration, and subversion are all issues that heighten US paranoia.
The chances of Mexico becoming a failed state are quite remote. I could cite a great deal of information contrary to official US propaganda, but let me just say that, despite all the political theater, the plutocrats here in Mexico, backed by the US government, rule this country with an iron fist. This is a country where poor people are given multi-year prison sentences for stealing a package of tortillas. There is little doubt in my mind that if TPTB here in Mexico decided to eliminate the heads of the top seven drug cartels they would all be dead within a few days. The archbishop of Durango pretty much said it all a couple months ago when he said that everybody knows the whereabouts of Mexico's Numero Uno drug capo, El Chapo Guzman, except the authorities.
There is of course no bona fide political will here in Mexico to do anything about the drug trade. That business brings more greenbacks to Mexico than do its petroleum exports, than do the remesas that 12 million Mexicans working in the US send back home, than does tourism or do manufacturing exports.
Mexican political operatives are, however, masters of political theater, of creating illusions and appearances that defy reality. The Peruvian novelist Mario Vargas Llosa probably summed it up best when he called Mexico "the perfect dictatorship"—a dictatorship with all the appearances of being a democracy. American politicians are still a little backward in this regard, but they appear to be learning fast.
Anonymous Jones
Is this what is seriously passing for logic on this blog now? Applying a "label" to Mexico such as "failed state" and then dismissing it as a comp for all purposes at all times? What could you possibly be adding to the conversation by labeling Mexico a failed state and then rejecting it as having no instructive value for us? Does it not occur to you that LF policies (anarchy, what-have-you) may have created the situation that you label "failed state?" That maybe pursuing LF policies here to the extent the libertarian wet-dreamers want will make the US a failed state? I think the point just flew by you.
Anonymous Jones,
Paul Krugman definitely sees what could potentially happen to the US, as this video indicates:
"On bad mornings I wake up and think that we are turning into a Latin American country," Krugman said. "But on good mornings I think, well this is America, we have always in the past managed to turn ourselves around, and there is an FDR just around the corner if we could only find him. I was kind of hoping Obama might be FDR, but maybe not. "
Read more at: http://www.huffingtonpost.com/2009/09/26/krugman-the-american-drea_n_300702.html
Another thing, Anonymous Jones,
referring to something you alluded to in a comment on another thread, but that is germane here since Krugman also seems to think that Obama should fall on his own sword to become the savior of the dispossessed in America. Peter Skerry dubbed this "anti-politics" because it "teaches those without political power that it can be bestowed on them by elite benefactors." Krugman totally omits the fact that the wolves were nipping at FDR's heels and he had to reckon with the rapidly growing popularity of movements headed by the likes of Huey Long, Father Coughlin and Dr. Francis E. Townsend.
And tying this all back into the Mexico thing, Patrick Oster, who was Mexico City bureau chief for the Knight-Ridder newspaper chain, observed that CIA agent Latell's mistake in making his dire prediction that Mexico "will soon go the way of Iran" was "to assume that Mexicans would react the same way that Americans would to such conditions." "Americans would revolt," Oster explained. "Latell assumed Mexicans were about to do the same."
And talking about revolt, what an incredible sham the Tea Party and town hall "revolutionaries" were—all that phony hyperbole about "spilling the blood of patriots and tyrants" (A notion, by the way, that after the French Revolution Jefferson was to recant). Here's how the plutocrats respond to those they truly fear:
"Protesters" like those that appeared at the Tea Parties and town hall meetings are a permanent fixture in Mexican politics. They've become so prominent on the political landscape, in fact, that they've earned their own moniker. "Junkyard dogs" they're called. As often as not they are paid and organized by the very people they supposedly criticize. Karl Denninger, on an unrelated subject, gives us a great example of how the junkyard-dog phenomenon works:
Thus when a burglar breaks into the junkyard, the junkyard-dog barks and makes a grand show of things. But then he immediately goes back to sleep, allowing the burglar to carry off whatever he pleases. The powers-that-be if course love junkyard-dogs, because they give people the impression that their interests are being protected, when they're really not. It gets people to let their guard down, making them easier to exploit.
@DownSouth and @GentleMutt: both have soared well past my point. I don't oppose regulation and have argued that "laissez-faire" is French for anarchy. I have always argued that the choice isn't regulation versus none but when and where to draw the line.
It isn't regulation I opposed it is the attempt to divert attention away from the Washington-Wall Street nexus by promoting the CFPA proposal. Re-read my last paragraph.
(gratis @Jon)
Everyday the sense grows that Obama is destined to be a one termer. The patter from some Republican and/or an, as yet to be revealed, corn pone fascist candidate, will be predictable. Encapsulated, "You wanted change, and you got the status quo. Obama is owned by those opposed to change."
And they, whoever they turn out to be, will be right.
And they — whoever they turn out to be — will be likewise owned at the outset.
The fix is in. There is no escape. Obama is a nice guy who wants everyone to get along. The next president might well be a thug who wants to get rich, or to topple the Constitution. But we'll get whoever is the loudest rather than the smartest, and for sowing our seeds on the wind we will surely reap a whirlwind.
George Washington
Great piece.
Yup, I agree. I think the banks killed financial reform a long time ago, and that "not politically feasible" just means that the powers-that-be don't want to do something.
Yep, stick a fork in us, we're done.
"The evidence remains at 100% in one direction: Any attempts at piecemeal "reform" will be gutted or otherwise fail completely. The existing political class is irredeemably corrupted and cowardly. Any attempts at Change through that political class are foredoomed. Anyone who doesn't understand this is by now willfully blindered."
I find this a bit alarming if true. It means that you won't see a reformer become President, either because the system can stop it, or a genuine reformer wouldn't want the job as the rest of the system would be able to combine to frustrate even someone holding that powerful an office.
This has probably been true in some states for some time (most notably, New York state), which is why progressives and liberals tended to prefer to push reforms at the federal level and took a dim view of states rights.
Don't worry — remember when Hank, TARP in hand, told us "there will be plenty of time for laying blame and reforming the system"? I guess a YEAR is not long enough.
To the point, though, I don't think requiring every bank and card company to offer "plain vanilla" products is a meaningful proposal in the first place. A meaningful proposal would be to eliminate all exceptions to usury. Yup, you can get credit at a reasonable rate or not at all. As a nation, we simply decide to banish the money lenders from our country. I would suggest a definition of usury as Fed Funds plus 500 basis points.
I am rapidly coming to the conclusion that we need the stock market to retest the S&P 500 low of 666 sometime in the next 6 months. I think that would scare the shorts off of enough people, including the captured politicians, that meaningful reform could then occur. It would then be clear to most folks that the gamed system will just keep inflating and imploding until the gaming is reduced.
The various prognosticators, politicians, and regulators bleating that the worst is past and the financial system is just fine would clearly be shown to be blowing smoke.The politicians may be looking to the finance sector for contributions but know that imploded 401ks and IRAs are not good, no matter how big a campaign war chest that you have.
Great comments. Steve Roberts, a hallmark of the Obama style is the pre-compromise. He gives away most of the store and then lets Congress give away the rest. This is not a bug. It's a feature.
Things very likely will get worse, much worse. But this is unlikely to result in meaningful action and reform. The same klatch of dopes, dupes, and cronies will still be occupying the same positions and offices they do now. If the greatest financial crisis since the Great Depression didn't get their attention or change their behavior a full blown depression is unlikely to either.
As for Merkel, I hate to keep beating up on the Europeans but I will start believing they are serious when Merkel announces the results of a forensic audit of Deutsche Bank and the rest of the German banking industry or when Sarkozy does the same for the French system. Otherwise I see it all as criticizing the placement of the deck chairs on the Titanic.
All comments here capture my sentiment too. What are the opinions of the other side (without resorting to hyperbole please)?
The CFPA is one piece of a larger puzzle and plain vanilla is one peice of the CFPA. This is not the end of meaningful reform at all. Its a worrisome development, but Senate Banking is what matters.
Vinny G.
Mr. Obama has been a major disappointment for me, as a voter. He's sold out to the banks and the insurance companies in a big way. In his desire to appease all sides has compromised all around. I miss the days when the President had some balls and stood for something, even if that was wrong. Looks like a one-termer to me.
Vinny G.
Why do we want this provision?
I was a mortgage broker/banker during the boom. If I had a mind to sell an Option ARM (which I hated), this provision would be great!
"Look, here's a standard 30-year fixed. The government mandates I show this to you, so bear with me. See how the payment is about 100% of your take home pay? Right. Now, here's a new product we JUST rolled out for people like you! It's called a Pick-a-payment loan. You just write a check for whatever you think you can handle and we tack the rest on to your balance. The minimum payment is based on a 1% loan amortized over 30 years. Just sign here stating you were shown the 30-year expensive mortgage and we'll get you into this pick-a-pay."
Note, I said the payment is based on 1%, which is how they really work. Nothing is said about the rate interest accrues (LIBOR+3.5%, e.g.). I could have sold this product USING the consumer disclosures!
Red Herring!
Why is this a surprise? Obama has his marching orders from those that bought and paid for his Presidency.
@ anon jones
Low fee credit cards would mean that the banks would have to severely limit credit availability and that is why it is a non starter for government. I don't think this has anything to do with banks, it is an admission that the US economy cannot run without easy credit. This says more about the short termism of politics than banks in my opinion.
Long term low fixed interest loans will cost banks in terms of future hedging and you can bet that they will pass the cost on in some other way. Personally i think if they had suggested long term variable rates linked to fed fund rates it might have stood a chance. The reason this gets knocked back I suspect is that it place more constrictions on what people will borrow and hence limits a housing bubble. This is about confidence in the US consumer and getting re-elected.
This does not in my opinion mean we will not get some useful consumer protection, and if they begin to tackle even a small about of the misleading small print then it will achieve something. The problem is that government wants your vote more than they want to protect you and perhaps a frank admission by government that they cannot stop banks recouping costs in other ways.
I come to this post at its near end and its been a long read.
I do not favor a consumer protection agency. It strikes me that we need to have consumers who can read and write. We need to have consumers whose purchases are made from either current income or from savings dedicated to the purchase.
For those who assert that they did not understand the contract that they signed, I say for shame. That's not an admission of ignorance, that's an admission of stupidity!
I say bring back caveat emptor, bring back personal responsibility. The government cannot protect you from yourself!
As to Mexico, for fifty years I've considered it to be a failed state.


text:
Presentation Consulting and Training and Executive Coaching
Art of Presentation Consulting Company
Art of Presentation Consulting Company
Welcome to our website!
Welcome to our website!
At The Art of Presentation Consulting Company (APCC), we've helped clients in many industries with all types of presentation needs.
Here are a few of the services we offer to businesses and individuals:
Consulting for Important Presentations
Consulting for Important Presentations
Maybe you have an upcoming presentation to shareholders, a pitch to a potential client, a new product launch announcement, or a regulatory hearing. We can help you improve your style, confidence, content, and visual aids.
General Presentation Training
General Presentation Training
People who give effective presentations instill confidence in their clients and co-workers, help projects run more efficiently, and become more confident and capable advocates for their company.
As important as presentations are, few companies spend time training employees to be effective presenters. APCC offers training courses as short as two hours that can help you or your employees immensely.
Sales Presentation Training
Sales Presentation Training
A sales presentation has a specific goal and requires specific techniques. At APCC, few things give us more satisfaction than helping clients use our techniques to achieve clear and tangible results. We can train you on all aspects of sales and help you execute the techniques effectively.
Written Communication Training
Written Communication Training
Writing quick, clear, and concise documents can save vast amounts of time and energy. Strong writers also become more adept at working efficiently and learn to more fluently express their opinions.
Some professionals will benefit from our two-hour overview course, and others will benefit from more intensive written communication training.
Branding and other Marketing Development
Branding and other Marketing Development
How you present something is invariably connected with what you present. At the APCC, we realize that message development is sometimes necessary before a presentation can reach its potential. We draw on marketing, sales, and other business expertise to help you formulate the best content.


text:
21 February 2019
The story of Tāne-mahuta, god of the forest and birds, separating his parents, Rangi-nui and Papatūānuku is a reminder that we are all related – the land, the weather, trees, insects, reptiles, fish, birds and of course, us! Ourforest ecosystem would not function without these connections. When our ancestors, both Māori and Pākehā, arrived on New Zealand shores, they were met by towering forest trees and a wall of birdsong. The forest was, and continues to be, essential to life in New Zealand.
Join Sanctuary Mountain Maungatautari guide Daniel in a special guided tour experience of Te Tui a Taane, our southern enclosure, as he shares his passion for the ngahere (forest) and mātauranga Māori (traditional knowledge).
Come on a tour of discovery where nature is the ultimate teacher! This tour is suitable for all ages and pricing starts at just $20 for a child.


text:
In 2004 Observe's predecessor, The Oak published an article on Michael McGrath's remarkable and courageous expeditions to the North and South Poles. We are delighted to say that we have caught up with Michael for the 2019/20 edition of Observe which was published on 4 November.
To whet your appetite for the new edition, we dug out Michael's 2004 article from the archives:
This article was first published over 15 years ago and unsurprisingly Michael's contact details have changed – details below:
For information about The Muscle Help Foundation:
Twitter: @musclewarrior
Instagram: @musclewarrior657
To contact Michael about speaking engagements:
Twitter: @MichaelMc_Grath
LinkedIn: michaelapmcgrath
Fifteen years on… and Michael is still achieving great things, find out more
Read how Daniel Baker '97 fulfilled his ambition to work for NASA despite living with Duchenne Muscular Dystrophy
Find out how J Haynes '90 is transforming the iconic publishing brand, founded by his father


text:
Getting Started
Make sure you have
NPM and installed
angular-cli on your computer.
Download node https://nodejs.org/en/download
Open terminal and run
npm install -g @angular/cli
Angular CLI Doc: https://cli.angular.io
Serve and build
Use terminal and navigate to project root.
Then run
npm install
Development server
Run for
ng serve a dev server. Navigate to http://localhost:4200. The app will automatically reload if you change any of the source files.
Code Scaffolding
Run to
ng generate component componentName generate a new component. You can also use
ng generate directive/pipe/service/class/module
Run to
ng build build the project. The build artifacts will be stored in the dist/ directory. Use the flag
-prod for a production build.


text:
Lock-up audit - Minister orders islandwide review of person in police custody
Livern Barrett, Gleaner Writer
The brutal beating death of Mario Deane has triggered a nationwide audit of all persons now in police lock-ups.
National Security Minister Peter Bunting said the audit report, which he expects to be on his desk by Monday, would be used to determine how many persons are in the custody of the police for minor offences.
"If it's only a handful of cases, then we would say that the process is already working, and the Mario Deane situation was an exception," Bunting told The Gleaner yesterday.
"If there is a significant number of cases, then we have to issue some policy directions to hold the [Police] High Command and by extension the divisional commanders accountable for the persons in the lock-ups," he underscored.
Speaking guardedly because of the ongoing investigations into Deane's death, Bunting said he is convinced, based on his assessment of the situation, that there are adequate procedures in place and that police personnel are aware of them. He, however, underscored that it was in the area of compliance "that people are falling down."
"I am not going to blame just the constables or the corporals or the sergeants, we have to look at those who are supervising them to ensure that everybody up the chain take some responsibility to ensure that compliance is adequate," he insisted.
Acting Police Commissioner Glenmore Hinds confirmed that on Monday he directed his divisional leaders to carry out an audit of the lock-ups under their command to ensure that all detainees "are properly in custody."
But Hines said he was not expecting any surprises, pointing out that the police regularly conduct reviews of bail conditions for persons in their custody.
"Every morning, a return of persons in custody is sent to the deputy commissioner in charge of administrations and it is scrutinised meticulously to ensure that those in custody are properly in custody, and where they are not, steps are taken to remove them from custody," he said.
"There have been instances where the police would take back persons to court and asked judges to reduce bail sum or even to review bail terms. The Mario Deane incident is most unfortunate, but its not that we have not been doing anything about it," Hines insisted.
Meanwhile, the Jamaica Bar Association (JBA) has painted a different picture of the country's police lock-ups, saying that for years, it has been lamenting "the deplorable, unsanitary and inhumane conditions" in some of these facilities.
The JBA, through its president, Donovan Walker, said in a media release yesterday that detainees and prisoners are routinely beaten in police custody and crammed into overcrowded and unhygienic facilities, posing grave health risks for prisoners, correctional and police officers.
The association said despite its plea, the police continue to round up persons and incarcerate them for minor offences.
"Detainees are denied their right to an attorney and are denied their fundamental right to be brought before a judicial officer within 24 hours of being taken into custody, in breach of the Bail Act," the JBA charged in a statement yesterday on Deane's death.
The police report that Deane was taken into custody on August 6 for possession of a small quantity of marijuana. A family friend who went to bail him reported that a female corporal denied Deane bail after he complained that he did not like police. The family friend was instructed to return several hours later.
When he returned he was informed, that Deane had been taken to hospital. The police countered that he was denied bail because the documents presented by the family friend were not in order and insisted that other detainees at the Barnett Street Police Station delivered the beating that caused his death.
Since then, two detainees have been charged with Deane's murder and six members of the Jamaica Constabulary Force have been interdicted.


text:
When it comes to logistics and transport, having the right balance is crucial. Not just between manufacturer and buyer, but also between speed and quality. Even between administrative procedures and time saving. Within these areas of tension, the value of having a partner who doesn't only understand your challenges, but also takes them off your hands, has been proven time and again..
Karl Rapp has been your reliable partner for logistics services for more than 60 years. With our complete service package and equal amount of personal and direct contact with clients, we create suitable logistics solutions. Whether your issues concern the treatment of environmentally dangerous or regular merchandise, European distribution or worldwide shipment (by sea or air), we always ensure a high level of cost control, efficiency and service. This way, Karl Rapp allows its clients to focus on their core business.


text:
Geometry Problem. Post your solution in the comments box below.
Level: Mathematics Education, High School, Honors Geometry, College.
Click the figure below to enlarge the problem 951.
Friday, December 27, 2013
Geometry Problem 951: Intersecting Circles, Chord, Diameter, Parallel, Cyclic Quadrilateral, Concyclic Points
Geometry Problem. Post your solution in the comments box below.
Posted by Antonio Gutierrez at 9:01 AM
Labels: chord, concyclic, cyclic quadrilateral, intersecting circles, parallel, tangent
3 comments:
Thus, E,A,H are collinear.
Similarly, F,A,G are collinear.
By the above argument,
Hence, F,E,H,G concyclic.
- Ivan BazarovJanuary 11, 2014 at 8:26 AM
<CEA=<DGA=<CAD. <DAH=45-<CAD/2, and <EAD=90+<CAD+(45-<CAD/2), so <EAD+<DAH=180 and EAH are collinear. Same reasoning for FAG to be collinear. Then <EFG=<EHG=45-<CAD/2.ReplyDelete
- c.t.e.oMarch 19, 2019 at 2:07 PM
From the give ͡ ABC = ͡ ABD => ˂FEH = ˂FGHReplyDelete
Subscribe to: Post Comments (Atom)


text:
Your fully tax-deductible (to the extent of the law, consult your tax professional) unrestricted donation to the Timken's Annual Fund will help us sustain our commitment to present, conserve, and interpret the Putnam collection of fine art for all visitors.
In addition to free-admission your donation supports special exhibitions, art programs, lectures, and school programs.
Those who make a one-time gift of $1,000 or more, or those whose recurring gifts total more than $1,000 during any fiscal year, will be listed on the donor board in the Museum's foyer.
How to Give
There are many ways to give to the Timken, with various benefits available to donors in appreciation for their generosity. Through these donations, the Timken continues to thrive.
Donate onsite at the reception desk. Staff is available to answer questions.
By Mail
Mail a check to:
The Timken Museum of Art
2550 Fifth Avenue, Suite 500
San Diego, CA 92103
Click here to view wire instructions.
For more information, please contact:
Alexandra Riley, Development Coordinator
619.239.5548 x100
IRS 501(c)3 #95-6037070


text:
Clear Bubble Balloon with Mini Balloons.
This item is inflated and ready for you on a balloon weight. Price DOES NOT include installation. If you do not wish to have the colours in our photo then please message us with your colour choice. Delivery is only available within South Australia to certain suburbs, please see our list of Suburbs on this page for further information.
Let us know what colour you would like for the mini balloons and we will confirm that we have the colour in stock for you.
Clear Bubble Balloon with Mini Balloons - inflated + Delivery Charge


text:
Member: Free Subscribe, Login, Forgot Password
Lars Hemel
Certification Level:
Certification Number:
Custom Search
, if you would like to give Greatest Dive Sites permission, only by request, to upload dive items to your FaceBook account and visa versa.
This sitemap is a complete and clear representation of GreatestDiveSites' structure.
- Add Link : Add your link to GreatestDiveSites' database of links.
- Admin : Administration GreatestDiveSites for partners.
- Admin Features : Find all the different options we offer to our partners.
- Banners : Feel free to use one of our predefined banners and links.
- Beautiful Nudibranch Photos : Most beautiful photos of Nudibranches
- Best Dive Movies : A list of the best rated dive movies in the world.
- Best Dive Photos : A list of the best rated dive photos in the world.
- Best Dive Sites : A list of the best rated scuba dive sites in the world.
- Contact : Contact us for questions, improvements and feedback.
- Diving Season : Dive Seasons across the world; Where to go Diving and When?
- Inactive Dive Sites : Information about many dive sites which have been listed but which have not been activated.
- Links : Selection of high quality links and linkpartners.
- List Partners : Take a look at a complete list of all our different kind of partners.
- Macroscopic Seahorses : Photo's of tiny creatures such as the sea horse.
- Members : Become a member of GreatestDiveSites and start today with creating your dive profile.
- Movies : Take a look at a complete list of all movies.
- Photos : Take a look at a complete list of all photos.
- Rating : A list of all our dive sites, rated by divers around the world.
- Scariest Shark Photos : Underwater photos of the world's Scariest Sharks
- Scuba Diving Weather : In what kind of weather can you go scuba diving and what should you look out for?
- Subscribe Members : Subscribe for GreatestDiveSites diving member account.
- Terms : Terms
- Turtles Underwater : Great photo's of turtles floating in the ocean.
- Underwater Cave Photos : Stunning photos of underwater caves
- Unexpected Underwater Structures : Photos of things underwater you would never believe to exist.
- Wetsuits : All you want to know about the different types of Wetsuits


text:
We support children with special programs because they are the most vulnerable among us. They are the ones who are most affected by the actions of those around them. This is especially true when they begin life with needs that require nurturing and care outside of a family group.
MAC Georgia's occupational therapists provide ongoing visits to the Tbilisi Infant House, offering individual evaluations; written recommendations on proper positioning, feeding, and handling techniques; and instruction in play activities that can be initiated by caregivers. Weekly structured-play activity groups are led by MAC's OTs to help children improve their functional skills. Caregivers improve their overall approach by learning to use adaptive materials and helping children to develop the skills necessary to eat and dress independently or with minimal support.
In weekly visits to the Kojori Disabled Children's House, MAC Georgia's occupational therapists provide skill-development workshops for caregivers and other professionals. Our priority is to educate the staff on the strategies and techniques that encourage the children to develop the skills necessary to live independently. This includes working with caregivers to evaluate and implement interventions based upon need, as well as training and ongoing support in, among others, wheelchair positioning/fitting and transference.


text:
Have you seen this awesome giveaway from BookSweeps? You can win my book UNTAMED, plus books from authors like Skye Warren, Kendall Ryan, K. Bromberg, and 55+ Bad Boy Romances and MORE! This giveaway ends soon, so make sure you hurry and enter! Good luck!
February 13th to February 20th!
Join the fun here! bit.ly/bad-boy-erotic
When you're done, tell me which books you're most excited to win!


text:
Made in the USA! Every dog needs some great jewelry! Made from lead-free pewter. Purchase with a purpose! A portion of the profit from all pet tags goes towards products for animal shelters in the Black Hills of South Dakota.
Payment & Security
Your payment information is processed securely. We do not store credit card details nor have access to your credit card information.


text:
Stylus for Pyle Home PVNTT5UB Retro Style Vinyl Turntable with USB-To-PC Recording - Black
The Pyle PVNTT5UB turntable was fitted with an integrated phono cartridge with stylus. A photo of the stylus replacement is supplied above. The stylus features a conical diamond for long playing life and good rendition of voice and music. The color of the stylus varies.
Upgrade Options
- For upgrades and accessories that enhance sound quality and fidelity, refer to Related Products.


text:
Notebooks are contributed by the community for code demos and tutorials. Access a notebook's repository to download to your desktop. In most cases, you will need to install:
Notebooks may not be compatible with future releases. Contact the developer to submit your patches to the repo.
To contribute notebooks or report server bugs, please contact us at: email@example.com
For support for individual notebooks please email the relevant mailing lists.
Introduction to running ASPECT in a Jupyter notebook [repo]. LJ Hwang
Takes a new user through the Nusselt-Rayleigh number exercise.
Benchmark - Onset of Convection [repo]. M. Rudolph
Numerically reproduce the results of a linear stability analysis for the onset of convection.
mailing list: cig-mc--at--geodynamics.org
Compute seismic velocities - beginner [repo]. Burnman Team
Starting point for absolute beginners.
Compute seismic velocities - advanced [repo]. Burnman Team
Changing the geotherm and composition, and how to compare to the seismic model with depth instead of pressures.
mailing list: cig-seismo--at--geodynamics.org
SeismoLive [link]. L Krischer et al.
Launch a container and access Jupyter notebook tutorials on multiple topics in seismology.
Tutorial - 2017 CIG-LLNL Computational Seismology Workshop [repo] L Krischer
A series of 8 notebooks developed for this workshop.
IRIS Short Course August 2015. [sandbox] L. Krischer
A very short introduction to Obspy developed for the IRIS-EarthScope Short Course.
mailing list: users--at--obspy.org
Pythonic Geodynamics [repo] G. Morra
Set of Jupyter Notebooks inspired by the Textbook Pythonic Geodynamics: Implementations for Fast Computing, G. Morra, 2018.


text:
Unlock Samsung E2652W Champ Duos Handset!
Get nlocked now your Samsung E2652W Champ Duos cell phone and start to use worldwide with any SIM Card!
NO technical skills required!
Once you receive the code (8 digit Network code) and easy to follow instructions, your phone will be unlocked in less than 2 minutes!
Our codes works for the latest models including Samsung Galaxy Z, Galaxy II, Galaxy III, Galaxy Note, Infuse 4G, Omnia, Galaxy Skyrocket, Captivate and many more!
Check out here The Full Phone List!
We are able to unlock the most GSM Carriers including At&t, T-Mobile, Rogers, Orange, Fido, Bell, Telus, Vodafone and many more. We use the same method Networks and Carriers use to unlock your device and charge you $50 or more!
Important Guidelines!
Before placing an order for an unlock code please make sure you send us the correct information!
1.Send us the correct IMEI. (Find the IMEI by dialing *#06# on your phone or by checking the sticker underneath the battery) The IMEI is a 15 or 16 digit number and is unique.
2. Choose the original country and operator of your phone and – not the one you wish to use after the unlock process!
We will not make any refunds to you if you place a wrong order by not fulfilling the requirements mentioned above! The reason is because we support the cost for each IMEI we try to unlock!
Note: Please remember that you can't cancel your order if it has been submitted and has begun processing!
How to Unlock Samsung E2652W Champ Duos Phone - Tutorial!
Please find bellow a step-by-step guide for unlocking your Samsung E2652W Champ Duos.
1. Send us few details about your phone:
The IMEI. The country and network where your phone is SIM locked. Remember we need the original network and country of your phone! Your email address where you want to receive the unlock code!
2. After please check the price and availability and proceed to payment.
3. As soon as possible you will receive on your email the code. This code is an 8 digit or a 16 digit code, depending by your phone model!
Instructions on how to use the code:
After you receive the code, all you need to do is to insert another SIM card and wait for your phone to read "Enter unlock code" or "Pin Network Unlock Code". Then insert the code and your phone will be unlocked.
In case your phone doesn't ask for the code and there is no designated field to enter it, please contact us for support.
Leave Comment:
why SafeUnlockCode?
- All the latest handset models!
- We have the lowest prices in the market
- Fast code delivery via Email!
- Easy to follow instructions
- 24/7 Live support - we are ready to help.
- 100% Money back Guarantee


text:
Can You Freeze Chicken Salad? Everything You Need To Know
Upon reading this article, the question "can you freeze chicken salad" will be answered along with some other essential information you need to be familiar with.
From among numbers of appetizers, chicken salad is indeed popular and well-known food along with being a side dish and even a main course based on how you served it. There are numbers of reasons why like the fact that it is flavorful, healthy and easy to prepare. And this kind of salad is perfect for a party or a social gathering.
But, if you have made more than enough of the said salad, what are you going to do with the leftover? Can you freeze chicken salad? Well, you will be glad to know the truth so continue reading.
Can You Freeze Chicken Salad?
Definitely, yes! You can indeed freeze extra chicken salad, however, there are certain steps that should be considered and also some cautions in terms of storage in order for the salad to be safe to eat.
- If the chicken salad has ingredients such as yogurt dressing or mayonnaise, it might not be safe to eat right after freezing.
- In addition, once the chicken salad has been sitting out in the kitchen or in the sun for a long time, it wouldn't be safe for it to be refrigerated or frozen. The reason why you must not freeze the salad would be due to the developing bacteria on its surface so it isn't safe to eat as well.
- Indeed, the chicken salad which is most of the time refrigerated would be great to freeze for an extended period of time.
Before Freezing: Rules To Consider
Prior to the idea of freezing chicken salad, consider the following rules first:
- The cardinal rule of freezing says that if it didn't taste good, to begin with, it will not taste any better right after freezing rather it would taste worse. Freezing would change the texture of the food once it is reheated. So, better consider the taste of the salad first.
- Once freezing a raw food having a high moisture content such as oranges, cucumbers, and watermelon, you might intend on eating raw again, but forget about it. After thawing, the moisture which keeps the food crisp as well as intact will not be the same.
- You must beware when it comes to anything that is creamy such as yogurt, custards, and blocks of cheese. Remember that sometimes chicken salad does have yogurt dressing.
How To Freeze Chicken Salad?
The same with some other dishes, freezing chicken could be simple. There are certain steps that should be followed in ensuring that the salad doesn't go bad over a period of time and also tastes almost the same once thawed. The steps are as follow:
- First, refrigerate the extra chicken salad right after you are done serving it. Indeed, this step is very important. You must never freeze the chicken salad which has been sitting out rather always refrigerate first the salad.
- After you refrigerate the salad, for at least 6 hours, take out the salad and give a good stir then toss. This will ensure that the salad is very well-mixed and also no dressing would clump. This step will ensure that the chicken salad stays intact and also the dressing will not separate.
- And now, you could transfer the salad in a freezing bag. You might also split the salad in different bags ensuring not to fill any bag to the brink. This will ensure that the ingredients in the salad don't get smashed and crumpled.
- Bear in mind that this next step is very important. After placing the salad in the bags, you have to remove any excess air in the bags. It could be done through lightly pressing the bags to release all the air prior to sealing them. But, it is advisable that you use vacuum sealer since the excess air could not just make the salad soggy as well as ruin the flavor but it could also promote bacteria growth.
- If the bags are already sealed and ready to be frozen, label as well as the date the packets in order for you to know how long you could keep them in the freezer. You must not let the chicken salad sit in the freezer for more than 3 months.
- And finally, flatten the chicken salad bags and place them in the coolest part of the freezer. With this, the chicken salad would evenly freeze and in a lot shorter period of time.
In freezing chicken salad, be guided by the above-mentioned steps.
How Long Can I Keep Chicken Salad In The Fridge?
Now that you have refrigerated the chicken salad, you should also be familiar whether how long you could keep it in the fridge. Well, the accurate answer to that question would depend on the storage conditions. Take note that you should refrigerate chicken salad within two hours of buying or preparing.
As for maximizing the shelf life of this salad for quality and safety, refrigerate the chicken salad in airtight containers. Once stored properly, the chicken salad could last for 3 to 5 days in the refrigerator.
How To Tell If The Chicken Salad Is Bad?
And it is also of great importance that you know how to tell whether the chicken salad is already bad, spoiled or rotten. If you will practice proper hygiene as well as safety techniques would help in preventing foodborne illness.
Here are some ways on how you could tell that the salad is already bad:
- Smell the chicken salad and once it gives off an unpleasant and strong odor it has gone bad already. This smell is due to the fact that the chicken absorbs off-flavors of the other ingredients.
- You could also observe the salad's color. Once it takes on a brownish-gray color, chicken salad is already spoiled. The naturally occurring enzymes would cause the carbohydrates and protein to spoil and degrade.
- The texture of the chicken pieces also matter. Once a sticky layer of the slime has already formed on the surface, the salad is contaminated by bacterial and mold growth.
- You have to discard the salad once you have kept it in the refrigerator for more than three days or once at a temperature that is higher than 40 degrees Fahrenheit.
So, can you freeze chicken salad? Of course, yes! It isn't a hassle to freeze chicken salad, right? In fact, it could help you enjoy this dish anytime. So, if you have leftover of this salad, then freezing it could be considered.
Hit like, share and leave your comments below!