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Neil Armstrong, the first man on the moon, has died aged 82.
On Saturday evening the family of Armstrong confirmed the former astronaut's death. A statement read: "We are heartbroken to share the news that Neil Armstrong has passed away."
The Commander of the space ship Apollo 11 died after complications arising from a recent cardiac bypass.
Amstrong passed through Nasa's Gemini programme before becoming part of Apollo
Armstrong walked on the Moon on 20 July 1969, along with fellow astronaut Edwin "Buzz" Aldrin. The pair spent three hours collecting samples and taking photographs.
Stepping on to the moon, Armstrong uttered the now famous words, "One small step for man, one giant leap for mankind", the culmination of the greatest technological achievement of the 20th century, played out against the backdrop of the Cold War space race against the Soviet Union.
"The sights were simply magnificent," said Armstrong years later. "Beyond any visual experience that I had ever been exposed to."
Before he left the moon, Armstrong placed a patch on the lunar surface in memory of the astronauts and cosmonauts who had perished during the American and Soviet space programmes.
Armstrong, who served in the US Navy and flew during the Korean War, was recently awarded the Congressional Gold Medal.
Tributes have flooded in following news of his death.
President Obama said: "Neil was among the greatest of American heroes - not just of his time, but of all time."
Astronomer Sir Patrick Moore said: "As the first man on the moon, he broke all records.
"I knew him well. He was a man who had all the courage in the world."
Armstrong is seated during a suiting up exercise Cape Kennedy, Florida in 1966
Speaking to the Press Association, Mike Cruise, professor of astrophysics and space research at the University of Birmingham, said: "The people at the front of the race always have to tread on new ground.
"He led the whole world into a space era of greater proportion than has been achieved by satellites.
"You wonder when his first steps will be followed up.
"It must have been very awe-inspiring to step on to, essentially, a new planet."
Where were you when Armstrong landed on the moon?
Speaking to Sky News, former astronaut Tom Jones, who who flew on the space shuttled, said: "Mr Armstrong was one of the astronauts that was my hero when I was growing up and I watched his initial landing on the moon in 1969 with incredible interest.
"I wanted to do exactly what Neil, and Buzz, and Mike Collins were doing that time. I hoped that one day I would have the chance to participate in the space programme.
"He really was an inspiration to an entire generation of people."
"He's a very unassuming and friendly person when you get to know him in a professional setting," he added.
Brian Cox
The Armstrong family statement, said: "Neil was our loving husband, father, grandfather, brother and friend.
"Neil Armstrong was also a reluctant American hero who always believed he was just doing his job.
"He served his nation proudly as a Navy fighter pilot, test pilot, and astronaut.
"While we mourn the loss of a very good man we also celebrate his remarkable life and hope that it serves as an example to young people around the world to work hard to make their dreams come true, to be willing to explore and push the limits, and to selflessly serve a cause greater than themselves.
"For those who may ask what they can do to honor Neil, we have a simple request. Honor his example of service, accomplishment and modesty, and the next time you walk outside on a clear night and see the moon smiling down at you, think of Neil Armstrong and give him a wink."
Armstrong steps into history by leaving the first human footprint on the surface of the moon
More than a 600m people, a fifth of the world's population, watched Armstrong create history in 1969.
Apollo 11 command module pilot Michael Collins, who was part of the historic moon-landing mission, paid tribute to his former colleague.
Collins said: "He was the best, and I will miss him terribly."
More from the Press Association:
Armstrong was born in Wapakoneta, Ohio, on August 5 1930, and would later begin his Nasa career in his home state.
After serving as a naval aviator from 1949 to 1952, he joined the National Advisory Committee for Aeronautics (NACA) in 1955.
Over the next 17 years, he worked as an engineer, test pilot, astronaut and administrator for NACA and its successor agency, the National Aeronautics and Space Administration (Nasa).
He transferred to astronaut status in 1962 and was assigned as command pilot for the Gemini 8 mission.
Armstrong shunned celebrity in later life, spending time in business and academia
Gemini 8 was launched on 16 March 1966, and Armstrong performed the first successful docking of two vehicles in space.
But it was as spacecraft commander for Apollo 11 that he achieved worldwide fame, becoming the first man to land a craft on the moon and first to step on its surface.
Armstrong and then wife Janet met Queen Elizabeth and Prince Andrew at Buckingham Palace at a reception following the moon-landing in 1969 during his 22-nation 38-day world tour.
Space agency Nasa tweeted tonight: "NASA offers its condolences on today's passing of Neil Armstrong, former test pilot, astronaut & the 1st man on the moon. Neil was 82."
Professor Colin Pillinger, the planetary scientist who was the driving force behind Britain's Mars lander Beagle 2, said Armstrong "inspired an entire generation of scientists".
The scientist, who as a young man was involved in analysing samples brought back to earth by Apollo 11, told of meeting the astronaut.
"He said to me 'you analysed some of my samples'. I have dined out on that forever," he told BBC News.
"It is such a sad occasion."
Armstrong Family Statement:
"We are heartbroken to share the news that Neil Armstrong has passed away following complications resulting from cardiovascular procedures.
Neil was our loving husband, father, grandfather, brother and friend.
Neil Armstrong was also a reluctant American hero who always believed he was just doing his job. He served his Nation proudly, as a navy fighter pilot, test pilot, and astronaut. He also found success back home in his native Ohio in business and academia, and became a community leader in Cincinnati.
He remained an advocate of aviation and exploration throughout his life and never lost his boyhood wonder of these pursuits.
As much as Neil cherished his privacy, he always appreciated the expressions of good will from people around the world and from all walks of life.
While we mourn the loss of a very good man, we also celebrate his remarkable life and hope that it serves as an example to young people around the world to work hard to make their dreams come true, to be willing to explore and push the limits, and to selflessly serve a cause greater than themselves.
For those who may ask what they can do to honor Neil, we have a simple request. Honor his example of service, accomplishment and modesty, and the next time you walk outside on a clear night and see the moon smiling down at you, think of Neil Armstrong and give him a wink."
Portrait of Astronaut Neil A. Armstrong, commander of the Apollo 11 Lunar Landing mission in his space suit, with his helmet on the table in front of him. Behind him is a large photograph of the lunar surface. (NASA)
A group photo of NASA research pilots at the front door of the Flight Research Center headquarters building. In the front row are (left to right) Milt Thompson, Jack McKay, and Bill Dana. All three flew the X-15, and Thompson and Dana were also involved in the lifting body flights. McKay was injured in a crash landing in X-15 #2. Although he recovered, the injuries eventually forced him to retire from research flying. In the back row (left to right) are Neil Armstrong, Bruce Peterson, Stanley Butchart, and Joe Walker. Armstrong and Walker also both flew the X-15. Soon after this photo was taken, Armstrong was selected as an astronaut, and seven years later became the first man to walk on the Moon. Walker made the highest flight in the X-15, reaching 354,200 feet. He then went on to fly the Lunar Landing Research Vehicle, and was killed on June 8, 1966 when his F-104N collided with the XB-70. Peterson made the first flight in the HL-10 lifting body, and was later badly injured in the crash of the M2-F2 lifting body. Butchart flew a wide range of research missions in the 1950s, and was the B-29 drop plane pilot for a number of rocket flight. (NASA)
FILE - This July 20, 1969 file photo provided by NASA shows Apollo 11 commander Neil A. Armstrong inside the Lunar Module while on the lunar surface. Astronauts Armstrong and Edwin E. Aldrin Jr., lunar module Pilot, had already completed their extravehicular activity when this picture was made. First moonwalker Armstrong, first American in orbit John Glenn, Mission Control founder Chris Kraft, Apollo 13 commander Jim Lovell, first shuttle pilot Robert Crippen and others are pushing for a last minute reprieve for the about-to-be-retired space shuttle fleet. (AP Photo/NASA, file)
Portrait of the prime crew of the Apollo 11 lunar landing mission. From left to right they are: Commander, Neil A. Armstrong, Command Module Pilot, Michael Collins, and Lunar Module Pilot, Edwin E. Aldrin Jr. On July 20th 1969 at 4:18 PM, EDT the Lunar Module "Eagle" landed in a region of the Moon called the Mare Tranquillitatis, also known as the Sea of Tranquillity. After securing his spacecraft, Armstrong radioed back to earth: "Houston, Tranquility Base here, the Eagle has landed". At 10:56 p.m. that same evening and witnessed by a worldwide television audience, Neil Armstrong stepped off the "Eagle's landing pad onto the lunar surface and said: "That's one small step for a man, one giant leap for mankind." He became the first human to set foot upon the Moon. (NASA)
Portrait of Astronaut Neil A. Armstrong in civilian clothes. (NASA)
Astronaut Neil A. Armstrong, Gemini 5 backup crew command pilot, sits in the Gemini Static Article 5 spacecraft and prepares to be lowered from the deck of the NASA Motor Vessel Retriever for water egress training in the Gulf. (NASA)
Astronaut Neil A. Armstrong climbs into a boilerplate model of the Gemini spacecraft during water egress training on the Gulf of Mexico. (NASA)
In this photograph, Apollo 11 astronaut Neil Armstrong walks to the flight crew training building at the NASA Kennedy Space Center (KSC) in Florida, one week before the nation?s first lunar landing mission. The Apollo 11 mission launched from KSC via the Marshall Space Flight Center (MSFC) developed Saturn V launch vehicle on July 16, 1969 and safely returned to Earth on July 24, 1969. Aboard the space craft were astronauts Neil A. Armstrong, commander; Michael Collins, Command Module (CM) pilot; and Edwin E. (Buzz) Aldrin Jr., Lunar Module (LM) pilot. The CM, ?Columbia?, piloted by Collins, remained in a parking orbit around the Moon while the LM, ?Eagle??, carrying astronauts Armstrong and Aldrin, landed on the Moon. On July 20, 1969, Armstrong was the first human to ever stand on the lunar surface, followed by Aldrin. During 2½ hours of surface exploration, the crew collected 47 pounds of lunar surface material for analysis back on Earth. With the success of Apollo 11, the national objective to land men on the Moon and return them safely to Earth had been accomplished. (NASA)
Astronaut Neil A. Armstrong, command pilot of the Gemini 8 space flight, sits in the Launch Complex 16 trailer during suiting up operations for the Gemini 8 mission. Suit technician Jim Garrepy assists. (NASA)
Astronaut Neil Armstrong walking through the crowd at the Apollo 11 Twentieth Aniversary Picnic at the Gilruth Center. He is carrying a drink in his hand while talking to the crowd. (NASA)
Astronaut Neil A. Armstrong, Apollo 11 commander, participates in simulation training in preparation for the scheduled lunar landing mission. He is in the Apollo Lunar Module Mission SImulator in the Kennedy Space Center's Flight Crew Training Building. (NASA)
Closeup view of Astronaut Neil A. Armstrong, command pilot of the Gemini 8 space flight, making final adjustments and checks in the spacecraft during the Gemini 8 prelaunch countdown. (NASA)
Composite photo of President Richard M. Nixon as he telephoned "Tranquility Base" and astronauts Neil Armstrong and Edwin "Buzz" Aldrin. The President: "... For one priceless moment in the history of man, all of the people on this Earth are truly one, one in their pride in what you have done and one in our prayers that you will return safely to Earth." Astronaut Armstrong: "...Thank You, Mr. President. It is a great honor and privilege for us to be here representing not only the United States, but men of peaceable nations, men with an intrest and curiosity, and men with a vision for the future. It is an honor for us to be able to participate here today. (NASA)
Astronaut Neil A. Armstrong, wearing an Extravehicular Mobility Unit, participates in a simulation of deploying and using lunar tools on the surface of the moon during a training exercise in bldg 9 on April 22, 1969. Armstrong is the commander of the Apollo 11 lunar landing mission. In the background is a Lunar Module mockup (32240); Astronaut Edwin Aldrin, Apollo 11 lunar module pilot, simulates deplying the Passive Seismic Experiment Package during trainin exercise in bldg 9 (32241); Armstrong is standing beside Lunar Module mock-up, holding sample bags during training exercise (32242); Aldrin and Armstrong during lunar surface training exercise. Aldrin (on left) uses a scoop to pick up a sample. Armstrong holds bag to receive sample. In the background is a Lunar Module mock-up. Both men are wearing the EMU (32244). (NASA)
Suited Astronaut Neil A. Armstrong, wearing an Extravehicular Mobility Unit, participates in lunar surface simulation training on April 18, 1969, in bldg 9, Manned Spacecraft Center (MSC). Armstrong is the prime crew commander of the Apollo 11 lunar landing mission. Here, he simulates scooping up a lunar surface sample. (NASA)
Astronauts Neil A. Armstrong (center), command pilot, and David R. Scott (right), pilot of the Gemini 8 prime crew, are suited up for water egress training aboard the NASA Motor Vessel Retriever in the Gulf of Mexico. At left is Dr. Kenneth N. Beers, M.D., Flight Medicine Branch, Center Medical Office. (NASA)
The research pilots at what in 1962 was called the Flight Research Center standing in front of the X-1E. They are (left to right) Neil Armstrong, Joe Walker, Bill Dana, Bruce Peterson, Jack McKay, Milt Thompson, and Stan Butchart. of the group, Armstrong, Walker, Dana, McKay and Thompson all flew the X-15. Bruce Peterson flew the M2-F2 and HL-10 lifting bodies, while Stan Butchart was the B-29 drop plane pilot for many of the D-558-II and X-1 series research aircraft. (NASA)
The Apollo 11 mission, the first manned lunar mission, launched from the Kennedy Space Center, Florida via the Saturn V launch vehicle on July 16, 1969 and safely returned to Earth on July 24, 1969. The Saturn V vehicle was developed by the Marshall Space Flight Center (MSFC) under the direction of Dr. Wernher von Braun. Aboard were Neil A. Armstrong, commander; Michael Collins, Command Module (CM) pilot; and Edwin E. Aldrin Jr., Lunar Module (LM) pilot. The CM, piloted by Michael Collins remained in a parking orbit around the Moon while the LM, named ?Eagle??, carrying astronauts Neil Armstrong and Edwin Aldrin, landed on the Moon. Armstrong was the first human to ever stand on the lunar surface, followed by Edwin (Buzz) Aldrin. During 2½ hours of surface exploration, the crew collected 47 pounds of lunar surface material for analysis back on Earth. The recovery operation took place in the Pacific Ocean where Navy para-rescue men recovered the capsule housing the 3-man Apollo 11 crew. The crew was airlifted to safety aboard the U.S.S. Hornet, where they were quartered in a Mobile Quarantine Facility (MQF). Here the quarantined Apollo 11 crew members (l to r) Armstrong, Collins, and Aldrin, and U.S. President Richard Milhous Nixon share laughs over a comment made by fellow astronaut Frank Borman, Apollo 8 commander. The president was aboard the recovery vessel awaiting return of the astronauts. With the success of Apollo 11, the national objective to land men on the Moon and return them safely to Earth had been accomplished. (NASA)
Famed astronaut Neil A. Armstrong, the first man to set foot on the moon during the historic Apollo 11 space mission in July 1969, served for seven years as a research pilot at the NACA-NASA High-Speed Flight Station, now the Dryden Flight Research Center, at Edwards, California, before he entered the space program. Armstrong joined the National Advisory Committee for Aeronautics (NACA) at the Lewis Flight Propulsion Laboratory (later NASA's Lewis Research Center, Cleveland, Ohio, and today the Glenn Research Center) in 1955. Later that year, he transferred to the High-Speed Flight Station at Edwards as an aeronautical research scientist and then as a pilot, a position he held until becoming an astronaut in 1962. He was one of nine NASA astronauts in the second class to be chosen. As a research pilot Armstrong served as project pilot on the F-100A and F-100C aircraft, F-101, and the F-104A. He also flew the X-1B, X-5, F-105, F-106, B-47, KC-135, and Paresev. He left Dryden with a total of over 2450 flying hours. He was a member of the USAF-NASA Dyna-Soar Pilot Consultant Group before the Dyna-Soar project was cancelled, and studied X-20 Dyna-Soar approaches and abort maneuvers through use of the F-102A and F5D jet aircraft. Armstrong was actively engaged in both piloting and engineering aspects of the X-15 program from its inception. He completed the first flight in the aircraft equipped with a new flow-direction sensor (ball nose) and the initial flight in an X-15 equipped with a self-adaptive flight control system. He worked closely with designers and engineers in development of the adaptive system, and made seven flights in the rocket plane from December 1960 until July 1962. During those fights he reached a peak altitude of 207,500 feet in the X-15-3, and a speed of 3,989 mph (Mach 5.74) in the X-15-1. Armstrong has a total of 8 days and 14 hours in space, including 2 hours and 48 minutes walking on the Moon. In March 1966 he was commander of the Gemini 8 orbital space flight with David Scott as pilot - the first successful docking of two vehicles in orbit. On July 20, 1969, during the Apollo 11 lunar mission, he became the first human to set foot on the Moon. (NASA)
US aviator and former astronaut Neil Armstrong speaks at the Congress Meet the Future, Science & Technology Summit 2010 at the World Forum in The Hague on November 18, 2010. AFP PHOTO/ANP/MARCEL ANTONISSE netherlands out - belgium out (Photo credit should read MARCEL ANTONISSE/AFP/Getty Images)
OLUMBUS, OHIO - FEBRUARY 20: In this handout provided by NASA, Apollo 11 Astronaut Neil Armstrong speaks during a celebration dinner at Ohio State University honoring former U.S. Sen. and astronaut John Glenn's 50th anniversary of his flight aboard Friendship 7 on February 20, 2012 in Columbus, Ohio. Today marks the 50th anniversary of Glenn's historic flight as the first American to orbit Earth. (Photo by Bill Ingalls/NASA via Getty Images)

subset: commoncrawl


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Woman, 81, on trial in anti-freeze poisoning
Opening arguments began Tuesday in the trial of 81-year-old Helen Galli, who prosecutors accused of poisoning her son's girlfriend with a lethal dose of antifreeze in 2010.
The defense described the girlfriend, Dawn Simyan, as an alcoholic drama queen who either drank the toxic fluid on purpose to get attention or, perhaps, accidentally drank some during one of her drunken stupors.
Both sides in Ms. Galli's criminal trial say the case is all about two women who clashed as they sought the love, attention and money of Victor Galli, a Wyoming-based masonry company owner who signed a $1 million natural gas lease in Wyoming County a month before the poisoning.
Ms. Simyan, 44, took the witness stand Tuesday and recalled how her body shut down after a rare sleepover at Mr. Galli's house.
Doctors told Ms. Simyan she was poisoned with ethylene glycol, better known as antifreeze. Ms. Simyan recalled Mr. Galli had handed her a juice drink the morning of March 31, 2010, when he left for work and told her, "My mother said it will make you feel better."
Ms. Galli's defense attorney Joseph Sklarosky Sr. told Ms. Simyan the story didn't make sense because Ms. Galli would have been risking the safety of her own son.
Mr. Galli took the stand Tuesday and denied his mother ever gave him a drink for his girlfriend. He said he poured Ms. Simyan a glass of juice. Mr. Galli said Ms. Simyan was "hungover" that morning from a late night of drinking and he left her in his home to sleep while he went to work.
Mr. Sklarosky noted an incident just two weeks ago when, according to court records, Ms. Simyan was arrested after she showed up at her ex-husband's house at 3:40 a.m., shouted "I will (expletive) kill you." Luzerne County Assistant District Attorney Frank McCabe said prosecutors have evidence that Helen Galli once foreshadowed her poison plot in advice to a grandchild about how to deal with a co-worker she didn't like.
Court records show Ms. Galli faced similar charges 21 years ago when she plotted to kill another son's wife, Ruth Ann Galli, and her parents, Matthew and Ruth Burnside. Ms. Galli supplied kerosene and gasoline to her two juvenile grandchildren and made them torch the family's Plains Twp. home after slipping crushed sleeping pills in the family's dinner. Everyone escaped unharmed. A judge sentenced Ms. Galli to four years home confinement and 10 years of probation.
Testimony in Ms. Galli's trial resumes this morning.
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Benjy Taylor enters his second season as an assistant coach for the Green Wave men's basketball program in 2006-07.
Taylor joined the Tulane men's basketball staff on April 18, 2005, as the first assistant coach hired by Dave Dickerson. He brought 13 years of assistant coaching experience at six schools and also served as the head coach at North Central College (Division III) in Naperville, Ill., for three seasons (2001-2004). Prior to Tulane, he was an assistant coach at Indiana State University.
During his first season at Tulane, he helped the Green Wave to a 12-17 overall record, a sixth-place finish in league play and to the quarterfinals of the 2006 Conference USA Tournament with a victory over Marshall in the opening round.
"I am extremely happy to have Benjy join me here at Tulane," Dickerson said. "I've known him for a long time and he is one of the best assistant coaches in the country. He has extensive experience coaching in many different environments, including schools with similar profiles to Tulane. But the key with Benjy is that he knows how to recruit and he embraces what we're looking to do here. His nation-wide recruiting base will mesh well with my own."
"This is a wonderful opportunity for me," Taylor said. "Tulane is a great academic institution in a great location and Conference USA is one of the premier conferences in the country. I have known Coach Dickerson for a long time and I strongly believe in his abilities as a coach. He is one of the finest young coaches in the country and I am extremely excited about the future of this program."
A four-year letter-winner with the University of Richmond (1985-89), Taylor's teams posted an 85-38 (.691) record during his career with a pair of NCAA Tournament appearances (1986, 1988) and one bid to the NIT (1989). The 1988 Spider team upended Indiana and Georgia Tech in the NCAA Tournament to advance to the Sweet Sixteen. After earning his bachelor's degree with a double major in criminal justice and sociology, he remained with the Spiders as a graduate assistant coach for two years, earning a master's degree in sports management. During his time as a coach at Richmond, he helped his alma mater to back-to-back NCAA Tournaments. In the first round of the 1991 NCAA Tourney, Richmond upset Syracuse, the first time a 15-seed defeated a two-seed.
After one year as an assistant coach at Cornell, Taylor went on to a three-year stint at The Citadel. From 1995-2000, he was the associate head coach at Northern Illinois University, helping the Huskies to the NCAA Tournament in 1996 when they posted a 20-10 record. After one season as an assistant at Pepperdine, helping guide the Waves to an NIT appearance, he accepted the head coaching position with North Central.
A native of Jacksonville, N.C., Taylor is a member of the National Association of Basketball Coaches as well as the Black Coaches Association. He is married to the former Wendy Fullman, and has three sons, Tyler (15), Otto (5) and Ostin (2).


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A Ramble on PR
To me, the big, big, big Macro economic factor is population growth (or the lack of it). Coupled with population growth is the rate of aging within the population. I don't care what the Fed and all the other CB's do to push back on the deflationary consequences of demographics. Those forces of will trump the CB's efforts, it's just a matter of when.
Japan is the poster child for this issue. Zero immigration and a declining indigenous population will overwhelm Abenomics. Europe has the same problem, it's about 10 years behind Japan.
And then there is the USA - we are about 20 years behind Japan. The forces of an aging population are already being felt. In March, Social Security paid out a record $70B. It took three years for SS to go from $60B to $70B a month. In about 18 months we will hit $80B, in March of 2022 the nut will be $120B.
I've been having deep thoughts on population because I've been watching Puerto Rico and its bond market. PR did a mega bond deal ($3.5B) a few weeks back . Before the issue was floated I wrote about it (Link) and suggested that the deal would be a big success - (the price of the bonds would rally post issue). And that's exactly what happened. In a matter of days the bonds rose 7%, bringing a paper gain of $200+m for the fat cat hedge funds that cornered the deal.
Then someone hit the 'sell button' (PR hired some restructuring lawyers and everyone freaked out). There has not been a solid bid for weeks. This dog is now trading at 87.50 - plunging below the the issue price of 93 - the yield is pushing 9.5%. There is no real exit for the holders of these bonds. There is no new money chasing after the high yield as the bonds can't be sold to retail investors. So the current holders of this swill are also the future owners. In between, it's just passing the trash.
If I was stuck with these bonds I would be worried. This bond issue looks like the Facebook IPO - investors loved it in the first hour, and then hated it for a year. If things get sloppy, and some hedgies are forced to vote with their feet (AKA-Vomit) where might this bond trade? How about 12%?
Finish this circle with PR's population status. This slide looks at the data from 2000 - 2010:
Total population for the island was down 100K (dispora of 1.2m - 30%!). Since 2010 the population has declined by an additional 110k.
PR is also aging rapidly. The natural demographics are exaggerated by the fact that PR's young go to NYC for employment.
The CIA (link) has the Median age for Puerto Rico at 39. Japan is at the extreme at 46. But the median age in the USA is only 37.6 years, younger than PR. France's Median age is 41, not far from PR. The median age in Mexico=27, Columbia=29, Panama=28. Pretty much anyway you look at it, PR is old.
So, if you believe as I do, that population is the horse, and everything else is the cart, then don't buy PR bonds just yet. And if you're the fixed income guy at a hedge fund that is stuffed to the gills with this problem deal, well there's always the next job...
My concern is that some guys do get forced to sell, and the bonds go bid-less for awhile. I'm not worried about the hedge funds, but if there's blood in the $3.5B special deal, then it's going to leak into the $70B PR Muni market. That $70B is largely held by retail. A bust up in PR munis would be a mini-crisis that would require Treasury to get involved. (Treasury's is already worried: WSJ Link). So there is plenty of headline risk in this story. (Question: Did the lawyers who dreamed up the retail exclusion in the PR deal really believe it would work? Do they not understand markets?)
On 3/9 I opined that the $3.5B deal would buy PR a year or so of market peace. I believed that the bond deal created enough cash to payoff maturing debt and fund the government (I was not alone in that bit of wisdom). It appears that I was absolutely dead wrong on that. This is looking more like a here-and-now problem. I think a lot of folks are surprised by that.
- Bruce Krasting's blog
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Great post, and the only reason you misjudged the timing of the problem is that you did not take into account the greed and corruption of the government. IE they will not use it to pay off debt, or fund the government, they will either steal it, or they will use it to replace stolen money. The only fault I can find with the article is that Puerto Ricans are flooding Central Florida (Orlando), not New York
F*** for population growth NOW
"There is no real exit for the holders of these bonds." - Bruce Krasting
Okay, Bruce. Unless you believe the issuer of these bond will default and the bondholders will take it on the chin, what is wrong with holding the paper and collecting interest payments until the bonds are called (assuming they are callable) or until they mature (at which time the bonds should be redeemed at par)?
John Law - What rock you living under?
Hedge funds don't buy bonds with cash and then sit back and clip coupons, that investment strategy is for widows and orphans. No juice in that!
Hedge funds use LEVERAGE, to make bond plays. To buy this bond all a hedgie had to do was put up 20%, the other 80% is borrowed via the repo market.
So if you bought this crap, and it is now 8% below issue, what is your mark to market loss?? 8/20 or 40%. The hedgies put up $700m and borrowed $2.8B for the deal. Now they are underwater by the 40% so that means $280,000,000 of imbedded losses (and margin calls). Ouch!!
The question is who pukes first, not who holds the longest.
PS: To call a bond, you gotta have the cash to call it. PR has no cash (or borrowing capacity), so forget about any call provisions.
"John Law - What rock you living under?" - bk
bk, no need for ad hominem here. It is beneath the process of civil exchange.
"Hedge funds don't buy bonds with cash and then sit back and clip coupons, that investment strategy is for widows and orphans. No juice in that!" - bk
Perhaps I was not being clear enough here. I was not specifically referring to hedge funds as holders. Frankly, I don't particularly care much if a few hedge funds take one on the chin from time to time. I was referring to individual investors who do elect to purchase munis as a long-term investment in their portfolios. As far as holding bonds and clipping coupons, that investment strategy worked exceedingly well for me (i.e. I have not lost a single penny in principal EVER to a muni default in 30+ years). Buying munis also worked out quite well for investors like... Ross Perot (for example). Since I live in Texas (no state income tax), 100% of my interest income from munis is tax free (state and federal). Pretty nice tax-free return. As I am neither a widow or an orphan, I would humbly suggest you rephrase your characterization of those of us who do reap steady tax-free returns from munis.
Well, you're making an argument for an individual investor who wants to clip coupons. I'm telling you that is not how this deal works. Individual investors were largely excluded from buying these bonds.
The minimum denomination is $100,000 AND the buyer must be a "Sophisticated Investor". That is a legal term established in the 33 Act. Today, a Sophisticated Investor is defined as someone with a minimum invest-able cash of $5,000,000, they must also have previously demonstrated their ability to understand complex risks. To buy these bonds you have to meet those requirements, sign a form for the SEC, and then you have to pass muster at the compliance department of one of the big Wall Street firms.
So no small players at this table.
This deal was "bought" by hedge funds (trust me). They bought it with leverage. The objective was to make a leveraged return in the 30-40% range.This was a bet, and so far it is not working out.
I'm happy you're making 4% after tax on your investments. But that has nothing to do with what this deal is about. This was a junk deal for pros. Different sandbox entirely.
A discussion of the deal and the role of the hedge funds:
Thanks for the additional information. It was not abundantly clear (to me) from your original article that individuals were largely excluded from this deal. Let the hedge funds take one on the chin if they elect to speculate in such a fashion. I don't trade muni bonds... ever. I buy and clip coupons... along with those widows and orphans... and Ross Perot.
"I'm happy you're making 4% after tax on your investments."
That is a tad low. Face value of the munis in my portfolio averages closer to 4.5%, and the tax advantages are (effectively) additive to the total return of the assets. Alas, it seems to make both of us happy.
Great post!
The 'new normal' is simply a reflection of the aging OECD countries. Investors who keep looking for interest rates to normalize back to the 90s/2000s heyday when the developed world was in the the sweet spot of the demographic dividend will be repeatedly disappointed.
BTW, is that a photo taken of Yellen, Lew and Obama from the latest economic meeting?
don't worry as I understand it there is a buyer ready to step in through a Belgium clearing house.
Gee, Doug Casey want me to move my business there.
Peter Schiff, Alex Daley and Louis James (latter 2 from Casey Research) were lauding the fantastic tax breaks on PR and claimed they were moving there
no mention of the likely bond defaults
Just add PR to NYC as a new borough.
Bienvenido a Nuevo York !
Bruce, loved your being there to catch their photo,s as they mask their suprise!!
Have some interesting things surrounding the Bundy ranch insidencent and some further things that are coming down here in Colorado. This is going to get much bigger in the coming weeks that are outside the Bundy ranch which is apparantly happening in N.M. and possibly Texas as I write.
If you can give me an e-mail address i'll send you what is happening right now in your home state. Like i said, we will see over the next few months this gets some legs or not. The item now is or can be quite explosive, literly not figurgitavly (sp) ( for NSA sakes)
Puerto Rico is a USA territory we " won " as war booty from the Spanish in 1898. Island residents pay no federal income tax. So why should Treasury bail out their bonds ? Give it all back to insolvent Spain.. the sooner the better. Let Draghi bail them out.
Because the residents don't want to go back to Spain, using your logic we should give California back to Mexico. If you want them to pay taxes, just give them the right to vote, and give them representation in Congress. No taxation without representation was one of the founding principles of this county
Great pic Bruce. Thanks for fessing up on this one.
What concerned me about your original post, is that the generous terms on these bonds immediately subordinate the other 70 billion of debt and reset the valuation on those. Has that happened? Not many of us are bond Dudes, so we just don't follow this.
PR is old because all the young ones have moved to Orlando, and it hasn't done the place any good, to put it mildly.
edit: Saw your statement in the next to last paragraph. Guess we a still in the Twilight Zone. Gawdhelpus.
These are three Executive VPs at major hedge funds. They are responsible for all fixed income investment and trading for their fund. Losses from their investment activity affect the bottom line of the fund, and also their bonus payouts. They are looking at a Bloomberg terminal and watching the price action in the $3.5B PR deal. This is the selfie that was taken when the bond cruised through 88.00 on the downside.
This is what you look like when Buy-Buy becomes Bye-Bye.
Welcome to the new global normal. Us old farts are clogging up the pipes. Time to float off into oblivion on a piece of ice Eskimo style?
<Bruce, I love the selfie at the end of your piece. Who are your comrades on either side?> ;)
You "old farts" desperately need to take your health into your own hands and out of this predatory slash, burn and empoverish medical system anyway. I have been meddling with alternative medicine for 15 years and can nearly cure myself of anything now. I figure if I can't cure it it may be my time. If it becomes my time pain medications will be the only money they get from me ( ; Here is just one example of things that can be done and it is just short of miraculous. Don't scoff until you read it all at least it may save your life. This is FOOD GRADE peroxide from your healthfood store only.
HH and I agree with you.
Medical "Doctahs" do more harm than good. Caveat emptor.
Why on Kalki's green earth would you post an 85 page document???
Too many notes. Take some out.
Got any spare heart valves for the guy who comes down with endocarditis from filling his own teeth?


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Nonprofit fundraising workshop:
Creating & Managing an Individual Donor Program
Thursday, February 21
1:00-3:30 p.m.
$35 per person; student & group discounts available
Details & registration at www.thefundingseed.com
Individual donors give three quarters of all private charitable donations- more than foundation grants and corporate gifts combined.
How can your nonprofit find individual donors to support your work?
This workshop will help your organization to raise money from the best funding source: people.
Register online at http://www.thefundingseed.com.
Attendees will receive a Certificate of Participation for completing the workshop.
For questions, to inquire about discount codes, or to reserve your space and pay at the door, email firstname.lastname@example.com.


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The Making of 23rd Psalm Redemption
The cast and crew of the producer, director, writer, producing team Christopher C. Odom and Cornelius Booker III share and intimate glimpse behind the making of "23rd Psalm: Redemption". Bookmark To:
Tatyana Ali Testimonial for Christopher C. Odom
Tatyana Ali said that she liked the writing of Christopher C. Odom and his partner Cornelius Booker III, describing the screenplay of "23rd Psalm: Redemption" full of "depth" and "theatricality".
Clifton Powell Testimonial for Christopher C. Odom
Clifton Powell said that it was "exciting" that Christopher C. Odom had created his own production company, Odom-Booker Entertainment, along with Cornelius Booker, III, and did not wait for Hollywood to bring them an opportunity. He called Christopher and Cornelius "the new frontier".
Leslie Mills Testimonial for Christopher C. Odom
Leslie Mills said that she was "honored" and "grateful" to work with producer, director, writer Christopher C. Odom on the set of "23rd Psalm: Redemption", calling the experience "phenomenal".


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Results of a study performed by researchers at Iowa State University have led them to believe that there is a relation between "frequent" videogame playing and Attention Deficit Disorder (ADD).
Video Games and Cognitive Control was designed to quantify the effects of playing videogames on two types of cognitive activity—proactive and reactive. Proactive attention is described as a "gearing up" mechanism, or where a player can anticipate what is coming next, versus reactive attention, which is more of a knee-jerk response (a monster jumping out).
A visual task was used to test both attention types with brain waves and responses measured in both frequent videogame players and occasional players. Both groups were charged with identifying "the color of a word when the color and word matched, such as 'RED' presented in red, or did not match, such as 'RED' presented in blue or green." This is also referred to as the Stroop task (as seen in Brain Age).
While reactive control was similar in both groups, frequent gamers (particpants in this study who play four or more hours a day) had a propensity for exhibiting "significantly diminished" proactive attention. From a press release:
These data reveal a reduction in brain activity and disruption of behavior associated with sustained attention ability related to video game experience, which converges with other recent findings indicating that there is a relation between frequent video game playing and ADD.
While admitting that the study did have a few limitations, the researchers hoped that "our results may serve to constrain the claims of some scholars, game manufacturers, and journalists who have suggested that playing action video games 'improves attention.'"
Director of Research for the National Institute on Media and the Family Dr. Doug Gentile, also a professor at ISU and in charge of the school's Media Research Lab, did not have his name listed in this study (other than the citation of his previous work).
The study is being published in the October 2009 issue of Psychophysiology.
Image via http://gonzoartist.blogspot.com


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Tech at Night: Tennessee leads the fight against socialized Internet
While the Net Neutrality power grab got all of the attention, just as important was the FCC strike against federalism the same week, that unilaterally attempts to override all state laws against socialized Internet in this country. Imagine the audacity, to do that without a an act of Congress or anything. Fortunately at least Tennessee is standing up to Barack Obama and his lap dog, | Read More »


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Thursday, February 2, 2012
Parise doesn't expect Devils' financial troubles to impact his future with team
Whatever financial problems the Devils are having because of the conflict between principle owners Jeff Vanderbeek and Ray Chambers, captain Zach Parise does not expect it to impact his future with the team.
"I don't know too much about it," Parise said this morning. "I don't know what's going on behind the scenes. The only thing I've been told is it's not going to make a difference. That's what I'm going on. As far as what's going to happen, I really don't know really anything about what's happening."
NHL commissioner Gary Bettman and deputy commissioner Bill Daly revealed Saturday that the Devils have received an advance on the league on their share of "league distributions" to help them through a rough patch while Vanderbeek is trying to refinance the team's debt of roughly $80 million and Chambers is trying to get out of his 47 percent ownership share and is no longer providing funds to the organization.
The players have said they have seen no difference in how the team is being run.
With each group of media from visiting teams that make their way to Prudential Center, Parise, who is scheduled to become an unrestricted free agent on July 1, is posed the same questions about his future. He again said there have been no contract talks and he again said he wants to re-sign with the Devils.
He said he is not paying attention to any talk that he might be traded before the Feb. 27 league deadline.
"I know that stuff is coming," he said. "If it's not coming from (GM) Lou (Lamoriello), there's no use for me to try to read into stuff."
Parise was asked if he thinks this next month leading up to the trade deadline could be important to his career (meaning if he's traded).
"I guess it could be," he said. "I really don't expect it to be, but I guess crazy things have happened. But I don't expect it to be."
Parise also was asked again what his priority would be if he does reach July 1 without a new contract.
"The same as every player's priority – to have a chance to win," he said. "You want to win. I've said a hundred times before I love playing here. I hope not to leave here. But, priority-wise, it's just you want to win. You want to have the best opportunity to win year in and year out. Things change quickly in this league, so if you make the playoffs you never know. You just want to have the best opportunity."
Tonight's game is the third of four between the Devils and Canadiens this season. The road team won each of the first two games. Montreal won, 2-1, on Dec. 10 at Prudential Center and the Devils won, 5-3, on Dec. 17 at Bell Centre.
As in the first two games, it will be Martin Brodeur against Carey Price in the nets tonight.
The Devils are coming off an emotional 4-3 shootout win over the Rangers on Tuesday and have tough divisional games coming up against Philadelphia on Saturday and Pittsburgh on Sunday. Head coach Pete DeBoer doesn't think there's any chance his team will overlook the Canadiens tonight, though, because the players know the situation they're in, clinging to eighth place in the Eastern Conference.
"I don't think it's a trap game," DeBoer said. "We know exactly what we're dealing with here – a good team, a desperate team. They're coming off their own loss at home the other night (vs. Buffalo). Price played very well in here last time we played them. So, we're not looking ahead to the weekend and those other opponents. We have to take care of business here tonight."
Other subjects DeBoer discussed after the morning skate:
On Dainius Zubrus shifting to center in Adam Henrique's absence: "He's done a great job. We've asked him to jump into a spot that isn't a natural position for him out of necessity and he's done a good job. I think it makes it a little bit easier when your wingers are Parise and (Ilya) Kovalchuk to convince him that this is going to work, but he's been good and we need him there. He's a versatile guy. He can play a little bit of everywhere."
On how that move impacts the other lines: "It affects the other lines in that (Patrik) Elias, (Petr) Sykora and Zubrus had some chemistry and have been a pretty effective line. So, we've had to play (David) Clarkson up there, which is like not having a 15-18 goal scorer on your third line. Every time you plug a hole, you open up a home somewhere else. So, we've filled those spots with guys like (Steve) Bernier and (Alexei) Ponikarovsky, which has helped and, hopefully, it will get us through until we get some guys back."
On Ponikarovsky: "He's been good. I like him. He's come exactly as advertised. He's a big body that skates well. He forechecks. He plays the way we want to play the game, which is to pursue the puck and be hard to play against and he's one of those guys we're talking about being a little bit challenged getting bodies to the front of the net and scoring some goals and getting some depth scoring. He's a guy that can help us there."
On getting Ponikarovsky when they did (Jan. 21) instead of waiting for the trade deadline: "Hindsight's 20-20, but I think thankfully we did, considering since then Henrique's gone down and (Travis) Zajac's been out longer than anticipated. So, it's been nice that we got him as early as we did because we needed him."
On what the Devils have to do differently from 2-1 home loss to Habs on Dec. 10: "When we looked back on the tape from the game we played against them in here last time, I think we played a decent game. We didn't get to Price a lot like we didn't get to (Henrik) Lundqvist or (Ilya) Bryzgalov the last times we've played those teams. It's kind of the same formula for us. We have to find a way to score some goals, get some traffic on the visiting goalie and make it uncomfortable on him."


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Accessibility at the Mary Rose Museum
Accessibility Information
This information is for the Mary Rose Museum only. For information to help you with your complete visit to Portsmouth Historic Dockyard, please go here
We want to make sure that everyone can enjoy the history of the Mary Rose. That's why right from the outset we designed the museum to be accessible for everyone.
Our staff and volunteers are always on hand and happy to offer any help you need during your visit. We can also arrange a guided tour to suit individuals or groups. To find out more please call us on +44(0) 2392 812931.
The site and the museum itself are fully accessible by wheelchair, and the museum houses a wheelchair accessible toilet. Lifts are also available to move from floor to floor, and we have a number of wheelchairs available on site to ensure all areas are accessible.
The museum has a fully accessible toilet with adult changing facilities.
Information and guides are available in large print formats. We also offer sensory resources, including tactile plans and painting of the ship. Visitors are also welcome to handle certain artefacts, both historical objects and replicas.
There is an audio loop system in exhibition spaces. We also provide transcripts and subtitles for the audio visual content in most areas. All guide and assistance dogs are most welcome.
We offer hands-on experiences for visitors, given by members of our team who are fully experienced and trained. We can also provide a short introductory guide in symbol-supported text.
You'll find baby change facilities on site, and we offer plenty of children's activities too. Our café has highchairs and staff will be happy to warm bottles for baby feeding.
There are 15 disability parking bays in the Historic Dockyard car park which is approximately 400 yards from the main entrance/visitor centre.
More information can be found HERE


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Sleep Disorders
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Welcome Minneapolis Residents!
Former NFL players are joining Dr. Rod Willey, DDS, of the Illinois Institute of Dental Sleep Medicine, on June 24th,
in Minneapolis, to take part in a nation-wide sleep apnea awareness campaign, "Tackling Sleep Apnea.â€
The event will be held at the Doubletree by Hilton Bloomington - Minneapolis South at 5:00pm
Located at 7800 Normandale Blvd, Bloomington, MN 55439.
After the event, Former Minneapolis Vikings players Chuck Foreman, Carl Eller, Stu Voigt, Bob Lurtsema, Greg Coleman,
along with other NFL greats… Mike Haynes, Derrick Kennard, and Lee Nystrom, will be available
to sign autographs and photographic opportunities.
In an effort to spread awareness of the dangers of untreated sleep apnea, Sleep Group Solutions is excited
to donate 50 Free Home Sleep Tests (each a $500 value)
Also, Gergen's Orthodontic Lab will be donating 20 free oral appliances for sleep apnea treatment. (each a $1,300 value)
The first 50 participants to register below will be given a Free Home Sleep test and the first 20 participants
diagnosed with sleep apnea will receive a free oral appliance.
The participants will be notified the week prior to the NFL event on June 24th, 2012.
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text: Geoff Matrangola Race Report4.4 Mile Bay Swim 6/12/05For an early riser, a 10:30 AM start seems like an eternity. I actually added a few minutes to my estimated finish time just because I didn�t want to wait until 10:45 AM for the �faster� wave. This was the third time at the 4.4 miler for me. After a go at the one miler in �02 I decided that I liked open water swimming and was ready to go for the 4.4. This year, I made my way across the bridge around 8:00 noticing the chop and blasting Vital Idol all the way.I�ve learned from years past not to try to get there too early. I got there, hopped on the bus to go back over the bridge for the start at Sandy Point. I saw Bill �Jellyfish� Wheeler just as the bus started to head out of the park-and-ride. I was tempted to climb across the isle, the other swimmers on the port side of the bus, open the window and yell �Hey Jellyfish�, but thought better of it.The first year I didn�t think to bring food. Like most swimmers I�d never gone two more than two consecutive hours without eating in my life, much less while I swim. I was ready to chew my arm off about the time we got started. Luckily, I had some vanilla gue stuffed in my wetsuit sleeve which I ate at about mile 2. It tasted like a friggen three course meal. So, when I finished that year I was very pleased to discover that there was a TON of food. I ate way too much too quickly and was pretty sick on the ride home that year.This time I ate a good breakfast before I left (Cheerios and orange juice) then ate a banana and drank Cera Sport & water in the car on the drive down. I brought a muffin and PB&J to eat while waiting. I didn�t bring enough water. Last year they had water and sports drinks at registration. This year they were on the other side of the beach and I didn�t hear about them until I�d already filled up my small water bottle several times. No biggie it�s the same water I drink at home (I think).I found a few nice people to chat with while waiting, so time went pretty quickly. Deciding against the super-sized muffin, I downed the PB&J and several bottles of water. After a long pre-race meeting (got hot standing in the wetsuit) it was finally time to get down to the beach for the start.This year, I decided to try something new. The plan was to start as far to the right as I could get, swim at full sprint straight out to the end of the rocks, hang a right and go under the bridge. I figure this cut off some distance, but the main advantage was that there would be no one to kick or ram in to me. If you start to the left you have to make your way across everyone starting to the right (if you are at all fast) and you get hit from the right, behind and in front. Starting to the right worked out great! It was hard to tell with the chop, but I think I was out in front for a while. I knew there was no way that I was going to keep that pace for the entire event. I slowed and targeted the first guy that passed me for drafting. It worked for a short while, but between the chop, my swim mechanics (head down is faster), and the visibility in the water it was very difficult to draft. Beyond the protection of the jetty�s and making my way towards the eastbound span I could really start to feel the current working against me. I added a bit more kick to compensate and headed east and sighting the 1 mile buoy.Quick comment on strategy and tides: You have to stay between the two spans (except for entry in the beginning and exit at the end) or you get DQ�d. The current in the bay depends on the winds, and tides. As the tide goes up, water is pulled in from the Atlantic and the current flows north, as the tide goes down, the water is pushed out and the current flows south. In between is called slack tied, and there is relatively no current. The swim is timed so that you start off against the current, then reach the shipping lanes at slack tide and then finally get pushed out towards the marina when the tide is going down and the current flows south towards the finish line. The winds were from the south so this would create (in addition to the chop) some current pushing us north during slack tide. My strategy was to stay to the right (eastbound) span until slack tide then move to the left (westbound) span at slack tide and finally let the current push me out towards the finish. Last year I tired this and must have gotten the timing wrong, because the current pulled me south when I got to the shipping lanes. I had to swim directly against the current (I know everyone says don�t do that) to get back to the middle then fought it all the way to the end.Meanwhile, back at the ranch: On my way to the one mile mark, I kept trying to draft, but kept getting tossed by the chop either ending up on top of the draft �victim� or completely loosing track of them. I swam past next to the first buoy and had the presence of mind to hit the lap button on my watch. According to review mode that was 00:22:08.81 (148 heart rate) either that was damb fast, or the buoy was close. I�ll go with damb fast for now. The next mile around the bend of the bridges was good until I realized there was no food stashed in my wetsuit. I had left it in my bag. No biggie I saw the food boat. Yes, the food boat! I thought they were just kidding about it the first two years because I was too distracted with the whole swimming thing to notice. The nice man on the food boat gave me a banana and cup of water. This was at mile 2 and 00:34:36.65 (163 hr) according to my watch. It didn�t feel that slow, but maybe the food boat cost me more time than I thought.With a recovery and some new energy I scrambled down the center. I felt better about my navigation this year and, except for the diesel fumes and chop, it was very pleasant. At this point in the swim you feel like you are out there on your own. The spans are at their max height and the swimmers are spread out enough that you don�t see any other swim caps unless you really look for them. I didn�t see the mile 3 buoy until I was right up on at 00:29:09.73 (163 hr).The next stretch is painful. You think you are done because the road comes down pretty close to the water and you are just slogging through the water progress feels pretty slow, the bridges get closer together and I started to see some people from the 10:45 wave pass me. The rely cruel thing is that the numbers painted on the bridge pylons go down to about 40 but then start over at like 53, so it�s hard to gauge when you need to get out. Finally, I reached the fourth buoy, with a split of 00:35:40.21 (146 hr). I started looking for the exit. I saw it and the swimmer pack started to get dense again. I had a few run ins but nothing that serious. I got back into my grove and didn�t see the exit buoy until I rand directly into it. After untangling myself from the rope I turned 90 deg heading out to the other side of the jetty.After looking up I could swear it was further off than years past. Resisting the urge to stand I kept in my groove, breathing on my left so I could see the jetty. I thought of all the yummy food at the finish and kicked it into high gear. I stood up ran out to the timing mats and the race was done! I made my way up the beach and saw my parents at the finish line (just like high school swim team). Dad gave me a towel I hugged mom.The food was good. My best time so far. Ahhhh.Place 339Out Of 621Bib# 179First Name GEOFFREYLast Name MATRANGOLAGender MAge 35City CLARKSVILLEState MDChiptime Pace 31:29Guntime 2:18:28Ageplc 55Agefin 75Div M35-39Winning Time for Your Division 1:29:24Genplc 263Genfin 435


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Can douche with ammonium alum hurt you
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I douched with ammonium alum because I heard that it helped tighten and would enhance the pleasure.
9 years ago.
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Nurse Annie
replied 9 years ago.
Any type of douching is not reccommended anymore. Douching can not only disrupt the normal pH of your body, but can also make it more open to infection. There are also plenty of herb remedies that claim that they will help tighten the vagina, but not only are these not FDA tested for safety and effectiveness, they are a waste of money and don't work. The only option in this case would be surgery.
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replied 9 years ago.
My question was not answered. The question was can the ammonium alum be harmful. i am aware of thr fact that douching can stop the bodies ability to clean naturally. I want to know if the douche can be more harmful when adding ammonium alum?
replied 9 years ago.
The best answer possible to this question is that no one knows. No one has ever done a scientific study of this issue. Certainly at a high enough concentration it could cause burning and irritation but no one has ever properly studied what low concentration might be safe.
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Nurse Annie
replied 9 years ago.
I am sorry but I was involved with another client on here. Ammonium alum is a product that is not used internally, and literature states that it can cause reproductive toxicity. As this is the case, I would refrain from using such a product internally, that is specifically for external use. As stated above, douching is not recommended for any reason anymore so it should be avoided completely.
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replied 9 years ago.
Reply to Nurse Annie's Post: My question was not answered I feel like I need more information. Information such as what are the effects of this product in terms of me using it. I dont feel any symptoms and I have heard for years that women utilize this practice. I just would like to know outside of the answer "Douching is not good for you" because this varies some doctors say yes and others say as least as possible then others say not at all. My questions is are there side effects that could result from douching with ammonium alum?
Nurse Annie
replied 9 years ago.
The only published information about this is that it can cause carcinogenicity, reproductive and developmental toxicity, neurotoxicity, and acute toxicity. In otherwords, it is toxic to the body if used internally, and can result in harming the reproductive system including being a carcinogen. There are no other published studies as to the exact problems it can cause other than this. As far as douching in general, for quite a number of years many doctor have changed their thought on this, since it can cause infections, and make current infections worse. As far as tightening the vagina, the only thing that can help would be Kegel exercises and surgery.
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Charlene H. Ellis, 69, of Martinsville, died April 5, 2014, at her residence.
She was born Dec. 22, 1944, in Washington, Ind., to the late Emil and Emma Braun.
Aside from her loving parents, Charlene was preceded in death by her two brothers, Gene and Bernie Braun.
She provided for her family practicing the dental arts, and she worked in several capacities, including as a dental technician, in dental research and in many other specialties. The IU School of Dentistry recognized her for her 50 years of service in the dental profession.
She enjoyed gardening, traveling the country with her husband in the antique 1942 Chevy they owned and capturing the moments of the world around her with her photography.
She, along with her husband and son, owned an antique business, where she enjoyed the excitement of the find and the story behind the antique.
As a musically inclined person, she was fond of playing the drums, organ and some stringed instruments.
Above all, she was known for being a "people person" who was well liked by many.
She is survived by her son, David Ellis of Indianapolis; her loving companion of almost 30 years, Donald Guthrie of Martinsville; her combined close family members, Debbie Liffick of New Whiteland and Matt Guthrie of Greenwood; as well as a host of other close relatives and friends.
A memorial service will take place at 4 p.m. April 27 at Carlisle-Branson Funeral Service & Crematory, 39 E. High St., Mooresville. A gathering of friends will take place from 2 p.m. until service time April 27 at the funeral home.
In lieu of flowers, contributions may be made to an educational memorial fund payable to Indiana College Choice Advisor 529 Savings Plan for the benefit of Autumn Guthrie, 1215 S. Illinois St., Indianapolis, IN 46225; or to a charity of the donor's choice in Charlene's name.
Friends may visit www.carlislebranson.com to share a memory or sign the guest registry.
All content copyright ©2016 Daily Journal, a publication of AIM Media Indiana unless otherwise noted.
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May 25, 2016
Studies from the Florida Department of Environmental Protection revealed bacteria in Taylor County canals. Funded by county, state and federal grants, a $4 million plus sewage project is now underway.
John Gentry of the Taylor Coastal Water and Sewer District says, "What we're trying to do is eliminate the drainage from the septic tanks that's currently going into the canals and off into the coasts, trying to improve the water quality."
About 300 homes in the communities of Keaton Beach, Ezell Beach and Cedar Island will be removed of septic tanks. With the new system, sewage will be pumped away from the coast to a treatment plant.
Gentry says, "Then we'll dispose of the treated affluent by spray irrigation into the sand hills where that clean water will just soak into the ground."
The new sewer system not only improves water quality in the area, but residents say it's also their yards they're concerned with. When the tide rises as high as it is now, it usually causes flooding and damage.
John Bell of Quality Plus Services, Inc. says, "It'll make their yards better and make it safer because you don't want to come out here after a hard rain storm and your yard has filled up from the septic tank overflowing, so we're doing away with all of that."
Gentry says once the project is completed, potential safety issues with water and land should be eliminated. The sewage system is projected to be completely installed by September of this year.
Click Here to access the online Public Inspection File
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Help recruitment thread
View Single Post
March 14th, 2013 (10:03 PM).
Join Date: Nov 2008
Location: Lavaridge Town
Gender: Male
Nature: Calm
Posts: 102
Hack name: None as of yet
Hack of: Pokemon Fire Red
Additional information about the hack:
Finished percentage: 5% maybe?
Your hacking skills: Wild Battles, Trainer battle (Just since not double battle), Mapping (but not that great)
What help or skill you're looking for: Good mapper, Advanced scripter, title screen maker, Tile Editor might be more
Additional contact information: Pm me or on Youtube my user name there is Strife99 (Pm me if want my email for another contact info)
Additional information: Want to add Hoenn onto a Fire Red Rom but it will be like Kanto in Gold & Silver and you arrive at Slateport City
Pokemon Fire Red Hack
-3rd Gen game
- more rival
- New Tiles
- New Trainer sprites
- New Map for Hoenn (replace Sevii islands)
Finished making the Hoenn & Kanto Gym leaders
Finished making the Hoenn & Kanto Elite four and Champions
Also Known As:
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text:
Entenca Barcelona 1 Apartment
Big family apartment in Barcelona, in the district of Eixample Izquierda near Sants Estacion.
This cozy apartment of 80m² is located in the Eixample Ezquierda neighborhood, well known for its architectural works from the Modernista period. You would be near Sants station where you can get on a metro to go to the city center or a train to the airport. The Joan Miro Park is very near as well as the famous Plaça Espanya with its Magic Fountains that make the show from Thursday to Sunday when the sun goes down and the MNAC museum.
This modern apartment in Barcelona is situated in the ground floor of an outstanding building. The living room, being also the dining room and the kitchen is very airy and bright. There are an extra-large futon sofa (that sleeps two), an arm chair and a large plasma TV. The dining room table comfortably seats six and is adjoined by the fully equipped kitchen with all the major appliances that are needed for a self-catering apartment. The first two bedrooms in this spacious apartment have a double bed each, side table with lamp and wardrobe space. The third bedroom features three twin beds and a writing desk for your computer with free Wi-Fi service. There are two very big bathrooms. The first one has a large walk-in shower, toilet and a supply of fresh towels. For your convenience, the second bathroom has two walk-in showers which make it easier for larger families to get ready for a day out on the town.
Bed linens and towels are provided.
A baby cot is available.
Metro stop : Entença (L5)
- Balcony
- Terrace
- Terrace (Community)
- Garden (Private)
- Elevator
- Air Conditioning
- Wash Machine
- Iron
- Stove
- Oven
- Dishwasher
- Microwave
- Coffee Maker
- Juicer
- Toaster
- Tv
- Satelite
- Video/ Dvd
- Stereo
- Internet
- Internet Wi-Fi
- Central Heating
- Electric Heating
- Swimming Pool (Private)
- Outdoor Pool
- Indoor Pool
- Wood Floors
- Bed Linen
- Towels
- Baby cot available
- Parking (Charge)
- Phone In
- Phone Out
- Disabled
- Guests under 25 accepted
- Pets Allowed
- Credit card accepted
- Bank Transfer Accepted
Description de la Zona
- District / City: Eixample Esquerra
- Street : Avda. Josep Tarradellas
- Transport : Bus, Metro, Tren
"Eixample" means Extension. This district exists since 1860, after the demolition of the medieval ramparts. Today it is a vast commercial and residential district. Its perpendicular streets, give the city a new vision. A small Museum in the open air, the "Golden square" concentrates the biggest number of modernistic buildings in the city. Frontages of wood, glass, iron and ceramics: an architectural delight. This area is famous for its modern architecture. The building frontages are almost never the same. Barcelonas Eixample district is the result of the citys expansion project drawn up by the famous architect Ildefons Cerdà and begun in 1860. It is one of the worlds most unusual urban spaces and Barcelonas personality lies, to a great extent, in the unique layout of this district. The modernist hallmark is centered around a relatively small area, the central hub of the Passeig de Gràcia, being the most elegant quarter for shopping
Points of interest near this accommodation
- Aquarium
- 3.6 km
- Barceloneta Beach
- 4.2 km
- Camp Nou
- 1.8 km
- Casa Batlló
- 2.0 km
- Cathedral
- 2.7 km
- Ciutadella Park
- 3.6 km
- Estació de França (Train)
- 3.5 km
- Estació de Sants (Train)
- 0.7 km
- Estació del Nord (Bus)
- 3.5 km
- Fira de Barcelona
- 1.3 km
- La Boqueria
- 2.5 km
- La Pedrera
- 1.9 km
- Las Ramblas
- 2.4 km
- MontJuic/Magic Fountains
- 1.3 km
- Palau de la Musica
- 2.8 km
- Park Guell
- 1.3 km
- Picasso Museum
- 3.3 km
- Plaza Catalunya
- 2.2 km
- Plaza Espanya
- 1.2 km
- Port Olimpic / Beach
- 5.0 km
- Sagrada Familia
- 3.3 km
4,8 / 5 Andrea M. (Germany)
wir waren sehr zufrieden über den Standort und den Kontakt zum Vermieter. Nach Anruf hat er sofort jemanden bestellt, der zur Reparatur kam - auch zur angegebenen Uhrzeit. Mit 7 Personen ist das Apartment perfekt, die Lösung mit der Schlafcouch in der Küche muss man bedenken. Handtuch gab es für jeden nur eines, dann doch lieber noch selber eines einpacken2012-10-14


text:
hi all,
I have been reading this forum for a while and really like this cycling community. Great advice and good humor.
I live in Vancouver, B.C. and have been commuting by bicycle for over 20 years. My commute is 20K a day and have not missed to many days in all these years. The weather here has a lot to do with that. Not too many snowy days,but lots of rain in the winter.
I currently use a Kona Explosiv for commuting and ride a Marinoni "ciclo" on weekends. The Marinoni can also been used for light touring. It has all the eyelets needed.
many happy miles