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On the early morning of Monday, October 14th, 29-year-old Shannon "Bear" Cothran was working his shift at a gas station convenience store in Nashua, N.H., when a man armed with a knife attempted to rob the establishment. Cothran, who has held a permit to carry a firearm since the age of 21, responded to the aggressor by stepping back, drawing a .380-caliber pistol, pointing it at the thief, and telling him that his robbery was a "bad idea and he didn't want to do it." Fortunately, the robber agreed and fled the scene, and the incident resulted in no injuries. Surveillance footage of the incident makes clear the level of danger Cothran found himself in, however, as the knife-wielding thief was within easy striking distance of the clerk at the time Cothran took action.
Since Monday, Cothran has received near universal praise for his responsible exercise of the right to self-defense, with his story having appeared on several television stations, in print, and online. Unfortunately, one of the few voices of opposition is that of Cothran's employer, Nouria Energy, based in Worcester, Mass. Despite Cothran's 10 years of service and the pleas of his store and district managers, the company fired Cothran only a few hours after the incident, citing a violation of the company's weapons policy.
In a news release responding to public backlash over the firing, Nouria Energy defended their decision to fire Cothran. In addition to a passage explaining their zero-tolerance policy for guns in the workplace, the statement notes, "We specifically train our employees on how to react during a robbery attempt to prevent the situation from escalating. Cashiers are instructed to give the intruder what they ask for in an attempt to resolve the conflict peacefully and as soon as possible."
A blanket policy such as Nouria Energy's might be easy to endorse from an office building in Massachusetts, but it neglects to take into account the realities on the ground that Cothran and other workers across the country face every day. This stance on self-defense effectively subjects employees to the control, and thus the mercy, of violent criminals. The thief who accosted Cothran early Monday morning showed an obvious willingness to back up his demands with violent force. While Nouria Energy may have been willing to bet Cothran's life on a bare hope the criminal could be appeased, from their standpoint, they can always hire another employee. For Cothran himself, however, the stakes were considerably higher.
Nouria's policy, moreover, relies on a false premise. The 1988 study, Crime Control Through the Private use of Armed Force, authored by Florida State University Professor Gary Kleck, dispelled the notion that unarmed compliance increases the likelihood of a favorable outcome for a victim of violent crime. Kleck found, "[v]ictim resistance with guns is associated with lower rates of both victim injury and crime completion for robberies and assaults than any other victim action, including nonresistance."
Cothran's experience highlights the untenable situation that some employers have foisted on their employees who work in potentially dangerous environments, and he is not the first to in lose his job over such policies. In November 2012, Devin McLean was fired from his job at an Autozone in York County, Va., after he retrieved a gun from his vehicle and stopped an armed robbery by a man police believe was responsible for over 30 robberies dating back to 2010. In 2004 and in 2008, Pizza Hut fired delivery drivers who defended themselves from criminal attack. Delivery drivers face particular danger, as armed robbers often target these workers by luring them to an ambush site of their choosing; the annals of the Armed Citizen column are replete with such cases.
Similar to the calm demeanor he showed in thwarting the armed robber, Cothran appears to be taking his termination in stride, choosing not to dwell on the fact that he lost his job, but instead on the fact that he may have saved his own life. In an interview following the incident, Cothran told a reporter, "I can find another job… A paycheck's a paycheck. I don't really care where it comes from. I cannot justify in my mind trying to save my job at the risk of not ever seeing my family and friends again."
On a positive note, Cothran has been met with an outpouring of support from his community. One of Cothran's friends has organized a protest outside Cothran's former workplace, located at 301 Main St. Nashua, N.H., set for Saturday, October 19th at 2p.m, and others have set up a fundraising effort to help get him through any financial difficulties while he is between jobs.
As for those in the Northeast seeking to avoid Nouria Energy owned establishments in the future, the company's website offers a convenient store locator tool with which to do so. It may well be that the knife-wielding individual Cothran encountered, and others like him, are also choosy about the establishments at which they ply their "trade." If so, policies like the one that cost Cothran his job can only help them with theirs.
New Hampshire Clerk Fired for Defending Himself against Knife-Wielding Robber
Friday, October 18, 2013
On the early morning of Monday, October 14th, 29-year-old Shannon "Bear" Cothran was working his shift at a gas station convenience store in Nashua, N.H., when a man armed with a knife attempted to rob the establishment. Cothran, who has held a permit to carry a firearm since the age of 21, responded to the aggressor by stepping back, drawing a .380-caliber pistol, pointing it at the thief, and telling him that his robbery was a "bad idea and he didn't want to do it." Fortunately, the robber agreed and fled the scene, and the incident resulted in no injuries. Surveillance footage of the incident makes clear the level of danger Cothran found himself in, however, as the knife-wielding thief was within easy striking distance of the clerk at the time Cothran took action.
Friday, February 15, 2019
The Nancy Pelosi Speaker Era 2.0 continued on Wednesday, Feb. 13, with a markup of H.R 8, the "universal" background checks bill, in the House Judiciary Committee. Following on the heels of last week's Judiciary Committee hearing, the same committee held a markup on ...
Friday, February 1, 2019
During the executive session on February 1st, the Washington state House Committee on Civil Rights & Judiciary voted to pass House Bill 1068 to ban many standard capacity ammunition magazines and House Bill 1225 for firearm ...
Tuesday, February 12, 2019
On February 11th, legislation was introduced (HB 2331) in the Illinois House that would impose a new gun tax on all firearms and firearm components sold in Illinois.
Monday, February 11, 2019
On February 14th, the Washington state Senate Committee on Law & Justice will be hearing Senate Bill 5434 that would expand arbitrary zones where law-abiding citizens are left defenseless while nothing is done to hinder ...
Friday, February 8, 2019
On Wednesday, gun owners got to see what a Nancy Pelosi controlled Congress looks like as the House Judiciary Committee held its first gun control hearing in nearly a decade. Things went as one would ...
Wednesday, February 13, 2019
On Wednesday, February 13th, the Mississippi House of Representatives passed House Bill 1581 on a bipartisan, unanimous vote, 113-0. Now, the measure moves to the Senate where it is currently pending committee assignment and a hearing date
Tuesday, February 12, 2019
On February 11th, the Indiana state House of Representatives voted 80-13 to pass House Bill 1284 to enhance protections afforded to law-abiding citizens acting in defense of themselves and others. HB 1284 will now go to the ...
Friday, February 15, 2019
H.R. 8, which would criminalize the private transfer of firearms, has received significant attention from the gun rights community. However, H.R. 1112, which purportedly targets the inappropriately-named "Charleston loophole," is just as insidious an attack ...
Friday, February 1, 2019
On January 8, two bills were introduced in Congress to impose so-called "universal" background checks. The bills, H.R. 8 and S. 42, are being misleadingly described as simply requiring background checks on all sales of firearms, but this is ...
Thursday, February 14, 2019
Today, February 14th, the Kentucky state Senate voted 29-8 to pass Senate Bill 150. SB 150 will now go to the state House of Representatives where it will be referred to the Judiciary Committee for ...


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Personalized Travel Map
Unless you live under a rock, or on Tristan de Cunha (Google it), you don't get to this age without ticking a few places off your bucket list. This personalized travel map is a fabulous way for your recipient to document their adventures of the last fifty years, and pin point where they're going to spend the next fifty!
Related products
Don't say bucket list. Don't say "while you still can" when making the plans. This is supposed to be fun, not somber. Just plan a trip, somewhere you know they've always wanted to go and never had the chance. Make it happen. Have a wonderful time. And do it again and again.
Whether it's Charlotte's Web, Hamlet or Harry Potter, a first edition of their favorite book is sure to top the gifting charts. In the past, you'd scour bookshops, eventually stumbling across a kindly old bookseller, who'd take pity on your plight, and climb a rickety ladder, to dust off a long-lost volume... nowadays, we have the Internet.
This is the real stuff. You don't start off drinking 50 year old whisky. No, you buy the cheap stuff, then maybe the fancier stuff, and once in a while the good stuff comes your way. But a liquor that's aged for 50 years, like a human, is on a whole other level. This has to be earned by living.
At 50, a person may start to think about their place in history. They begin to really contemplate what it means to someday join the long chain of human life that led to them and to their descendants. Help them get started on a journey of self discovery by starting a family tree.
There is a chance they might be underwhelmed when they realize that they themselves will have to cook the dinner(s) you bought for them, but only up until they actually follow along with Blue Apron's clear easy instructions and eat their delicious, gourmet food. Then they won't stop thanking you.
Get out, go to a concert, see a show, watch a game. Have a great time. Nothing fancy here, just tickets to something fun. Get a pair of tickets and either go with them or send them along with the person of their choice. Even if the event isn't happening for several months, they'll still enjoy looking forward to going.
Depending on your 50-year-old, this gift might meet with resistance, faux indignation, or secret delight – whichever it is though, we're sure they'll be addicted to getting their 10,000 steps by the end of the week. You never know, they might even offer to walk your dog, to get those miles in.
Sure, they could just make the same list on their smartphone, and never print it. Or they could use a pen. But people turning fifty have been wanting a Voice Activated Grocery List Maker since they saw that article about life in the 21st century 40+ years ago, and, goshdarnit, they should get one.


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Entry Fee: $25
A prize of $1,000, publication by Ashland Poetry Press, and 50 author copies is given annually for a poetry collection. The winner is also invited to give a reading at Ashland University. Angie Estes will judge. Submit a manuscript of 50 to 80 pages with a $25 entry fee by April 30. Send an SASE or visit the website for complete guidelines.
Ashland Poetry Press, Richard Snyder Publication Prize, Ashland University, Ashland, OH 44805. Sarah Wells, Managing Editor.
This Blog is mainly about creative writing,writing competitions, writing contests, poetry contests,poetry competitions, writing quotes and other useful writing information. I will, when I find them, post information on writers' workshops, tutorials and other creative links. I hope you enjoy! You may buy books in the corner Book Store safe in the knowledge you have all the protection of Amazon.Please pass on URL to any writer friends.
Wednesday, 2 April 2014
Ashland Poetry Press Richard Snyder Publication Prize Deadline: April 30, 2014
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It's not the same without you
Join the community to find out what other Atlassian users are discussing, debating and creating.
In the Dashboard, I can see only 5 days of event. Is there any way I can see one month of event in the Dashboard. I am attaching the screen shot.
Does it mean that I have to customise the whoe Dashboard.IF so where can I get some documentation on this .
Currently, this setting can't be configured and we do not have any documentation on that. However, you can create a feature request on this at: https://studio.plugins.atlassian.com/browse/TEAMCAL and this will directly notify the plugin developer about it.
You must be a registered user to add a comment. If you've already registered, sign in. Otherwise, register and sign in.
This approach requires you to have the JIRA administrative rights. The main aim of this article is to help you achieve an organized, easy-to-maintain workflows in your JIRA instance thereby, reducin...
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Merrill Lynch / general customer service
1) My father's acct balances were given to someone without POA.
2) Was told if my father dies before Christmas, I don't have to worry about the 401K disbursement paperwork .
3) Tried to get POA notarized at Merrill Lynch office. Talked to her after we reached parking structure, got my elderly father (who had spent the morning in the ER) out of the car into the Midwest winter, to reach the office and be told she had already left.
Apparently she didn't want to "disappoint" us.
SaSandy62 Dec 3, 2018
More Merrill Lynch Complaints & Reviews
- Merrill Lynch - stupidity [21]
- Merrill Lynch Edge - small customers are unable to speak to a human for service [1]
- Merrill Lynch - poor customer service [2]
- Merrill Lynch - ruined my account [1]
- Merrill Lynch Mortgage - the loan process was a nightmare that still haunts me [1]
- Merrill Lynch - 2018 tax documentation
- Merrill Lynch - investment
- Merrill Lynch - 401k - customer service
- Merrill Lynch - broker
- Merrill Lynch - 401k rollover


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When you bought your home, you offered less than you were willing to pay, right? That's the most common negotiation technique. For experienced investors, however, that's just one little secret among the many more powerful ones. What else can you do?
How To Make An Offer
1. Offer an odd amount, like $161,793. This gives the impression that you know something the seller doesn't. They may think you have a good reason for that particular price.
2. Play dumb. Ask questions, talk slow, ask for help, and never show off your real estate expertise. Sellers are afraid to budge if they think a smarter person may be taking advantage of them.
3. Use the "limited authority" ploy. Say "I'll have to check with my wife (or partner)." It's easier for sellers to accept that you can't do something, rather than the idea that you won't.
4. Refer to precedent. "My father bought his house this way." If the offer is at all unusual, sellers will feel more comfortable if they know it has been done that way before.
5. Ask for things you don't want. This lets the seller win concessions when negotiating. If you can say, "I guess I don't need the refrigerator, if I can get my price," you're more likely to get your price.
6. Be reluctant. "well, I don't know..." Reluctance gets the seller looking for ways to motivate you, and lets him feel like he's won something when you settle the point.
7. Make the offer their idea. "Are you saying you'd like a later closing, and more earnest money? Well let's do it your way, then. I just need..."
8. Get a yes before the offer. "What if I paid your price, but got my terms? Would that work for you?" Even with a few changes, it will be hard for the seller to say no to an offer he more or less already agreed to.
9. Flatter the seller. Flattery has been proven to be worth an average of $1962 in real estate negotiations. That's a joke, by the way, but you know if he likes you, you'll probably get a better deal.
10. Pass over problems, and return to them later. Agree on every agreeable point first. It will feel like the house is sold then, and it will be difficult for a seller to lose the deal over an issue or two that you need to go in your favor.
You can spend a lot of time looking for cheap houses. Why not spend a little time learning how to purchase every home for less, with some smart negotiation?
Steve Gillman has invested real estate for years. To learn more, and to see a photo of a beautiful house he and his wife bought for $17,500, visit http://www.HousesUnderFiftyThousand.com
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Real Estate Real Estate


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187,029 Like 11,272 Dislike
Follow me on instagram: @_paige_y https://www.instagram.com/_paige_y/ About me: My name's Paige and I am in my second year studying Natural Sciences at the University of Cambridge. I am a member of Jesus College and make regular vlogs of my day to day life at uni, including lectures, supervisions, and social activities.
Sign up for Brilliant: https://brilliant.org/JohnFish/ Follow me on Instagram (giveaway soon!): http://www.instagram.com/thejohnfish It's finals season, which means that many of you are currently on the grind to hopefully do well on finals. In this video, I talk about the strategies that I use to crush finals. If you're looking for exam taking advice, tips for succeeding on exams, how to do well on tests--all of these tips will apply.
Akhirnya! Vlog gue ke kampus hehehehe. Kayanya ini the most requested vlog deh, pada penasaran banget soalnya sama kampus di Amerika. Daaan akhirnya gue buat, semoga kalian pada suka ya :)
Meet the top 10 most expensive universities in the world. -STANDFORD UNIVERSITY Founded in 1885 and located in California, United States, it is the most expensive university in the world and also one of the most prestigious. -MASSACHUSETTS INSTITUTE OF TECHNOLOGY It was founded in 1861 as a result of the industrialization of the United States and is traditionally known for its research and education in physical sciences and engineering. -CALIFORNIA INSTITUTE OF TECHNOLOGY Located in Pasadena, United States and founded in 1891, it is also known as "Caltech" and its motto is "The truth will set you free." -CHICAGO UNIVERSITY It is a private university located in Chicago, United States and is one of the most recognized and prestigious in the world. -HARVARD UNIVERSITY Founded in 1636 and located in Cambridge, Massachusetts, United States. Harvard is possibly one of the most well-known and prestigious universities in the world, it is also one of the oldest higher education institutions in the United States. -UNIVERSITY OF CAMBRIDGE It is the second oldest university in the world; it was founded in 1209 and is located in the city of Cambridge, England. -LONDON IMPERIAL SCHOOL Founded in 1907 and located in London, England. Considered consistently among the top three universities in the United Kingdom. He has specialties in science, engineering, medicine and business sciences. -UNIVERSITY COLLEGE OF LONDON It is a public university founded in 1826 known as "the University of London" and is of course located in London, United Kingdom. The UCL is the third oldest university in England. -OXFORD UNIVERSITY It is the oldest English-speaking University in the world. The date of foundation of this university is still a mystery, but there is evidence of teaching since 1096 and it is located in Oxford, England. -NANYANG TECHNOLOGICAL UNIVERSITY It was founded in 1991 and is located in Singapore. Although it is a young university, it is considered one of the best universities in the world and the fourth best in Asia. --------------------------------------------------------------------------- About Us: Trend Max is an education and entertainment channel dedicated to creating interesting Tops, Lists and more. Do not miss a single video SUBSCRIBE NOW. ----------------------------------------------------------------------------- Follow Us: Facebook : https://goo.gl/cfALte Google+ : https://goo.gl/5yNJ3r Twitter : https://goo.gl/c8jgEB Instagram : https://goo.gl/QP5sP7
IELTS speaking interview example high score by www.aehelp.com. This video is an IELTS speaking section interview with a native Mandarin speaker example 2. This playlist teaches important strategies for IELTS speaking interview. Follow us on Facebook at www.facebook.com/WorldESLTutors. This video is a part in a series that instructs the steps necessary to achieve a high score, between 7 to 9, on the IELTS question. The series includes four example speaking interviews with a native Arabic and Chinese speakers. This series will teach you the skills that will help you to be successful, confident and to reach success on these questions during the speaking interview. Follow the instructions carefully and make sure to practice. Use the subtitles as necessary to help you comprehend the information. It is important to practice a lot to give full sentence answers which reflect the grammar structure of the questions. Strategies will help with fluent language, natural language and complex language. Enjoy. Follow us now on twitter @aehelp
Sign up for Brilliant: https://brilliant.org/JohnFish/
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Other important links below ⬇
I'm John Fish, and this video is a day in my life as a Harvard Computer Science student. I'm a freshman at Harvard college that makes videos, video essays, and vlogs about my life.
I'm about to launch into a pretty entrepreneurially focused summer--I've got a notebook coming as well as a clothing line (see links below). I'd love for you to join me.
My newsletter: https://goo.gl/31jEMe
My stuff and books: https://www.amazon.com/shop/johnfish
Support me: https://www.patreon.com/johnfish
Luke (my roommate) has a channel too: https://www.youtube.com/channel/UC0KbM6PEoozTrMIl8Gk-v3A
Twitter: https://twitter.com/thejohnfish


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I wish I were as confident as Mary that this will be a great love story.
Tuesday, February 19, 2019
Monday, February 18, 2019
Mary Worth 3068
Saturday, February 16, 2019
Mary Worth 3067
Meanwhile, while they're busy dancing on the couch, the pasta pot is scalding on the stove and the oven curtains have caught fire.
Friday, February 15, 2019
Mary Worth 3066
Thursday, February 14, 2019
Mary Worth 3065
Of course, if Jannie actually did have real feelings for you, then falling for it would have been okay.
I really want to commend Karen Moy for her portrayal of the worst, most dysfunctional marriage I've ever seen. Every day, one of these two morons says something that makes my jaw drop even further than the day before. This is "Who's Afraid of Virginia Woolf" kind of stuff.
Wednesday, February 13, 2019
Mary Worth 3064
Tuesday, February 12, 2019
Mary Worth 3063
Oh, she has feelings for you, Ian. She feels you're a silly fool, a pompous old man, and a drunk, neglectful husband. Oh wait, the last one is how Toby feels.
Monday, February 11, 2019
Mary Worth 3062
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Friday, February 8, 2019
Mary Worth 3061
Thursday, February 7, 2019
Mary Worth 3060
You're going to have to stop sculpting miniature ponies and painting clowns. Try being more like Banksy.


text:
Tess Bennett
How global data marketplace Eyeota prepared for GDPR
Nine months on from the introduction of Europe's General Data Protection Regulation (GDPR) and the first major fine has been handed down to Google for not being transparent and clear enough with consumers about how their data is being used. While Google says it plans to appeal the €50m fine,
Australia least trusting of social media: Edelman Trust Barometer
Australia is the country that trusts social media the least, according to the 2019 Edelman Trust Barometer. The annual report found Australia, alongside France, is the least trusting country globally in social media — 26 per cent compared to the global average of 43 per cent. Sign up to Which-50's
Brad Rencher is leaving Adobe amid wider Experience Cloud restructure
After a busy year of acquisitions Adobe CEO Shantanu Narayen is overhauling Adobe's Digital Experience business to make room for Marketo and Magento. As part of the reorganisation, executive vice president and GM of its Digital Experience business Brad Rencher will be leaving the company. Rencher joined Adobe in 2009
Holiday earnings: Alphabet, Apple, Alibaba, Facebook and Microsoft report latest financials
Google (Alphabet) Google's parent company Alphabet beat revenue and earnings per share expectations however increased costs pushed shares down. Full year revenue up 23 per cent year-on-year to $136.8 billion, while Q4 revenue jumped 22 per cent to $39.3 billion. Advertising revenue for the three months ended December 31 were
Facebook holds its audience, despite scandals: We Are Social & Hootsuite report
A series of privacy scandals which plagued Facebook in 2018 hasn't impacted the number of Australians using the platform. According to the the eighth annual Digital 2019 report commissioned by Hootsuite and We Are Social, Facebook has 16 million monthly average users in Australia, the same number as 2017 and
The number of women on ASX200 boards edges higher -but just misses 30% target
Throughout 2018, 94 ASX200 board positions were filled by women. The new recruits helped put the Australian Institute of Company Directors (AICD) within a whisker of achieving the gender diversity goal it set for Australian companies back in 2015. According to figures released today, women accounted for 29.7 per cent
Campaign Monitor flags further martech acquisitions
This year will be a buyer's market for martech M&A, as venture-backed marketing technology companies founded between 2013 and 2017 look for a exit in a crowded (and still growing) market. That's the view of Scott Brinker, the editor of chiefmartech.com and VP of platform ecosystems at Hubspot. Brinker recently
Major investments in education are needed, but who pays the tuition fee?
As AI and robotics automate more tasks, fewer humans are required to do the same amount of work. Rather than eliminating the need to work, conventional wisdom argues humans will be required to do different kinds of jobs than they do today. The challenge for governments, business and individuals, lies
Why Indigenous mentoring organisation AIME is quitting social media
Indigenous mentoring organisation AIME is quitting social media, with the organisation's founder and CEO Jack Manning Bancroft describing the platforms "addictive, dangerous, and unhealthy." Manning Bancroft shared a post across Twitter, Facebook and Instagram on Friday saying the not-for-profit was leaving "social media for good." Sign up to Which-50's Digital
Australian leaders say they are much more prepared for the future than 12 months ago
In the space of 12 months Australian executives have gone from feeling unprepared to tackle the changes unlocked by technology to more bullish than their global counterparts. According to Deloitte's second annual leadership readiness report, 37 per cent of Australian executives completely agreed that they feel ready to capitalise on


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Refer a Friend
At Your World, we love to meet new healthcare professionals and reward our candidates for introducing them. Know someone who would benefit from our fantastic opportunities? 'Refer a friend' to us and receive a thankyou bonus for each successful referral (terms and conditions apply, speak to your recruitment consultant to find out more).
The best part is there is no limit to the number of referrals you can make. More successful referrals equal's bigger and better rewards – it's that simple!
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The Bowflex TC20 TreadClimber Another model I would like to make the comparison with the TC10 is Bowflex TC20 TreadClimber , which has higher price. Because of its price, the treadclimber has more additional features.
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The 1V is the only Van Norman machine I've seen that doesn't require a spindle adapter to use No. 2 taper tooling. One of my catalogs lists the collet drawbar for the B&S 13 spindle 22L as being for "machines built before September 1947", so I think that you are correct in your time frame of when the switch to NMTB was made.
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Save a lot of money – If you calculate how much money you are spending on a monthly basis on regular visits to coffee shops, the amount would be very high. Also, this may or may not increase every month. You can make a variety of coffee drinks at home with just one espresso machine. Buying Jura coffee machine is a one-time investment. It will help you save a lot of money in coffee shops.
Hardcore coffee aficionados know what they can expect from the Jura Capresso. The company, formerly known as Capresso Inc., is based in Closter, New Jersey. It is known for the design, manufacture, and sale of coffee equipment. As most Jura coffee machine reviews would tell you, any coffee machine that has the Jura name on it boasts of elegant design and topnotch features.
The users are raving about it and if you're the type who needs to have the cream of the crop, then there's no better espresso machine out there than the DeLonghi PrimaDonna ECAM28465 . With this bad boy, you'll never have to worry about loss of quality when preparing your favorite coffee drinks, since the PrimaDonna uses high quality internals and sophisticated coffee preparation modes to ensure that you're going to get a delicious cup of your favorite coffee drink every single time with just the push of a button.
Not trouble free, as they all seem to jam periodically, but easily fixed. Per J-C, the problem is using very oily beans, which we do as we love very dark, heavily roasted Starbucks beans. The part that jams is the press mechanism. When it expresses the puck, it clogs and won't go back up. This seems to be a criticism for many of its machines, but it's hardly a deal breaker.
The height of the cappuccino spout for latte macchiato and cappuccino and the coffee spout is continuously adjustable, the creation of perfect specialty drinks both in a small espresso cup and in a latte macchiato glass up to 6 inches tall. The integrated fine foam technology from JURA ensures unique milk foam quality with a fine, feather-light consistency.
There is a learning curve and one has to get the coffee to water ratio correct for one's preferences...changing it for other drinkers. But it is truly automatic, which is nice for serving more than one person quickly, brews quickly and makes very good coffee. Jura took this machine and rewired it per the wiring recall on this model, returned it, all at no cost to me.
Anyone who is looking for the perfect espresso machine, should certainly take a closer look at the Cuisinart EM-600. This model is able to brew excellent traditional coffee beverages and espresso shots at the touch of a button and without you having to worry about moving the cup. The EM-600 incorporates a removable milk tank (22 oz) which sends frothy, creamy and hot milk right into your cup for barista quality, hands free latte and cappuccino. If you want to use it with the Illy Espresso capsule system, you'll be very happy to know that this model offers innovative froth controls, flavor strength and temperature control with the push of a button.
There's one other area needing fixing, not only in these machines but in all super automatics I've ever tried - tiny puck sizes (diameter) = bad extraction. That's not me saying it. That's Dr. Illy and a wide range of scientific tests that the Illy labs have done finding the optimal puck size for superior extraction. At 46mm, these pucks are too tiny.
In addition, the Capresso website offers plenty of data for using this espresso machine. Among other things, it provides a downloadable user manual along with PDF files containing a variety of delicious hot milk frothing recipes so you can prepare such things as different types of teas, soothing milk drinks and several different types of hot chocolate drinks.
09/16/2010 - The C1000 finally gave out after 10+ years and service fees of $250. With all lights now flashing and the loudest grinding noise ever, it was confirmed today with Jura-Capresso Customer Service that this unit is not worth their new $250 service fee to repair (if it could be repaired). I still found the C1000 a great appliance and Jura-Capresso a very reputable company. From a cost-analysis perspective (and these are ONLY estimates), I consume about 700 cups per year which requires about 20 pounds of beans at $10 per pound (Fresh Market) or $200 per year. Ten years worth of coffee beans cost about $2,000. Add the $900 cost of the C1000, plus two $125 service fees, my total investment was around $3,150. I excluded the cost of water since we pay a minimal fee, but never use the charged amount. Equivalent cups of pressure brewed coffee (about $3 per cup from Starbucks) over this ten year period would cost about $21,000. I compare Starbucks prices since there is a huge quality difference between their pressure-brewed coffee and drip coffee at your local food mart. So my break-even point with the Jura-Capresso C1000 was between one and two years. The remaining eight to nine years of coffee I consumed was at no cost (when compared to Starbucks). This analysis only includes the direct financial cost and not the cost of your time/fuel getting to Starbucks. I happily accepted Jura-Capresso's "one-time replacement offer" to upgrade my C1000 to a new IMPRESSA C5. The list price is $999, but the upgrade cost is only $600. Although my C1000 unit has experienced problems, it continues to be the most awesome coffee machine ever! Once my IMPRESSA C5 machine arrives and has been used a short time, I will post a new product review.Read full review...
Turn, press, enjoy – that's how easy it is to enter the world of IMPRESSA C65 With the one-switch operating concept of the Rotary Switch and the 11-language plain text display, it's easy to create the perfect coffee every time. Thanks to the high-performance conical grinder, the beans are always freshly ground. The simple, compact design with its elegant combination of matte and gloss black gives the IMPRESSA C65 an imposing yet understated look in any surroundings.


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Taft, CA Medicare Supplement Insurance
To get the best Medicare Supplement insurance in Taft, CA, it is important to compare your options. Our website enables you to do that quickly and efficiently. Simply enter your Zip at the top and click Compare Options button. You will be taken to a page with a list of the best insurance carriers in your Kern area. We recommend comparing quotes from at least 3 companies before settling on a coverage. This way you can make sure you are not overpaying on your Medigap premium.If you have been thinking about getting some type of supplemental health insurance, and you have recently retired, Medigap insurance is available for those that are over the age of 65. This is supplemental insurance that you absolutely need to have if you are going to rely upon Medicare. Although having national insurance coverage is good, it's not enough. People that do not have supplemental coverage often spend tens of thousands of dollars extra every year just to cover the costs of hospitalizations, tests, and prescription drugs. In order to offset this, Medigap insurance was created and is available from many different companies.
How Do You Get This Type Of Insurance?
Are There Some That Are Better Than Others?There are obviously going to be some policies that are going to surpass others. For example, there are many that are very affordable but only cover a portion of the possible bills that you may receive. Others will be several hundred dollars a month, but you will not have to pay for anything, not even a deductible, and this is probably what you will want to get. Several companies will offer these full coverage Medigap policies. Simply choose one that has an affordable rate. You can also read reviews online of the different companies that offer these Taft, California Medicare supplemental insurance policies and select one based upon what other people have said.
The thought of having to pay tens of thousands of dollars in additional medical costs is enough to motivate anyone to look into Medigap policies. It is only by submitting information to these different companies, or going through a website that can get multiple quotes sent directly to you, that you will be able to find the best one that will fit your budget and provide the proper coverage.
More California Cities Nearby:
More Insurance Tips for Taft, California
Deciding on the proper health insurance coverage is one of the greatest decisions you will make in your life. In purchase to know what to look for in a overall health insurance firm you should educate oneself and understand about the well being protection provided by various insurance companies. Use the guidance from this article and you'll have no difficulty selecting the proper insurance policies strategy for you.
If regular monthly charges for wellness insurance coverage are a worry, search a larger deductible prepare. This selection permits for you to manage scaled-down out of pocket costs as needed and the need for a deductible is only needed when a much more catastrophic function occurs. The minimal incidents are less complicated to price range and enable you to conserve monthly dollars for your day to day daily life.
Take into account substantial deductible wellness insurance insurance policies. If you are young and healthly with no loved ones background of severe wellness difficulties, a high deductible health insurance plan could be suitable for you. These guidelines make wellness insurance policy coverage significantly a lot more cost-effective, but make need to that you are aware of health-related problems which usually are not lined by the policy.
It is essential to assessment your wellness insurance plan each and every calendar year for the duration of open enrollment. Possibly your situation has modified and your plan is no longer sufficient. Open up enrollment gives you the ability to modify eyesight and dental protection, way too, if you have that selection.
To keep your health care protection inexpensive, inquire as to whether or not or not your employer has a wellness plan you can take part in. Many organizations supply rewards for people who decide on to make crucial way of life alterations. Joining specific fitness programs might aid your business spend less for its insurance protection.
If you do not want to change medical professionals or facilities, make positive that your current supplier is coated when modifying programs. It is aggravating to try out to conserve yourself money only to find out you have missing your physician of the previous 10 years. Check on the accredited amenities as effectively so you don't finish up obtaining to go to a clinic that is inconvenient for you.
Before any major procedures, affirm if you need to have to get pre-authorization from your insurance coverage organization and make confident they examine on each factor of your treatment. Stories about of individuals receiving massive expenses due to the fact the anesthesiologist was out of network, or that you needed to try a diverse healthcare option prior to likely for a surgical treatment. Preserve oneself the headache and get everything in creating ahead of heading in to the hospital.
Search for a health insurance policy program with wide protection. This is specifically important if you like to journey. Insurance policies organizations with smaller sized protection can make it difficult to find a physician need to you be outdoors of your normal dwelling location. Wide protection involves a lot of a lot more physicians and hospitals, so it is a have to for tourists.
Preserve in thoughts that getting wellness insurance coverage charges far more than just the volume of rates that you pay every thirty day period. You may also be liable for deductibles, co-insurance policy, co-payments. There are also processes that may not protected by your insurance coverage company and you will have to spend for those out of pocket.
It truly is truly not challenging to see how the suggestions in this report will assist you end worrying about your wellness insurance policy, and get commenced using this useful advice to discover the right strategy that fills your overall health insurance demands. Utilizing these common feeling suggestions will make the approach a lot simpler.


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Woman dies, three other injure as a tree falls on them
PARSA — A woman was killed and three other people were injured by a falling tree uprooted during a storm at local Nirmalbasti on Tuesday.
The deceased is 30-year-old Shanta Maya Shrestha of Nirmalbasti-5. Shrestha, who sustained serious injuries in the incident, died on the way to hospital.
The incident happened in the forest in the Parsa Wildlife Reserve while they were grazing goats, police said.
Those sustaining injuries are 35-year-old Dudh Maya Shrestha, 40-year-old Phutung Shrestha and 16-year-old Manila Shrestha of Nirmalbasi-5.
They are undergoing treatment at the Narayani Sub-regional Hospital, Birgunj.
PM congratulates Nepali national cricket team
KATHMANDU— Prime Minister KP Sharma Oli has congratulated Nepali national cricket team for being able to clinch the International T20 series.
PM Oli in a tweet extended best wishes and congratulations saying he was very happy to know Nepal's win over the UAE by 14 runs in the third match of the series.
Winning T20 series is another landmark success for Nepali cricket, he said, adding, "It is big achievement for Nepal's cricket. I would like to heartily congratulate entire members of Nepali cricket squad".


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1-15 of 26 Results
Eric Marquez
Daly City, CA, US
Eric passed away in February 2019. Eric was a resident of California at the time of passing.
Services provided by Duggan's Serra Mortuary
Carlos Alberto Marquez
1938 - 2019
Atascadero, CA, US
Carlos Marquez passed away on February 10, 2019. Funeral Home Services for Carlos are being provided by Chapel Of The Roses Mortuary of Atascadero, CA.
Services provided by Chapel Of The Roses Mortuary
Dr. Eugenio J. Marquez
1932 - 2019
Miami, FL, US
Dr. Eugenio J. Marquez, age 86, of Coral Gables, Florida passed away on Monday February 11, 2019. Eugenio was born December 25, 1932. Dr. Marquez is survived by his wife Isabel Ibanez, brother Isidro Marquez; sisters, Lupe Hicks, Rosita Marquez,...
Services provided by Caballero Rivero Little Havana
Jose De Jesus Marquez
1923 - 2019
San Antonio, TX, US
February 16, 1923 - February 3, 2019Jose De Jesus Marquez, born February 16, 1923 was called home to be with the Lord, our Savior on February 3, 2019 at the age of 95. He was preceded in death by his parents, Sidronio and Maria De Jesus Marquez....
San Antonio Express-News
Services provided by Mission Park Funeral Chapel - South
1923 - 2019
Las Vegas, NV, US
EMMA MARQUEZ Emma Tapanes Marquez, 95, crossed over peacefully Feb. 1, 2019. She was born into a large family in Jevellanes, Matanzas, Cuba, Nov. 25, 1923. Coming to the U.S. in the 60's, she lived and worked in New Jersey, then settled in...
Las Vegas Review-Journal, Dignity Memorial
Services provided by Davis Funeral Home & Memorial Park
Alicia Marquez
1933 - 2019
Los Angeles, CA, US
Estoy en casa en el cielo,queridos míos,oh tan feliz y tan luminoso.Hay alegría perfecta ybelleza en esta luz eterna.Todo el dolor y pesar se ha acabado.Cada inquietud se ha hecho a un lado.Estoy ya descansando en una paz eterna.Ileso hogar en...
Services provided by Calvary Cemetery and Mortuary - Los Angeles
Emma T. Marquez
Age 95 | 1923 - 2019
Las Vegas, NV, US
Emma was born on November 25, 1923 and passed away on Friday, February 1, 2019. Emma was a resident of Las Vegas, Nevada at the time of passing.
Celia Rosa Marquez
1930 - 2019
Gilroy, CA, US
Celia, 88, passed away on February 3, 2019.
Services provided by Habing Family Funeral Home
Juan Marquez
Age 79 | 1939 - 2019
Juan was born on December 18, 1939 and passed away on Wednesday, January 30, 2019. Juan was a resident of Colorado at the time of passing.
Dominic Marquez
Hudson, FL, US
MARQUEZ, Dominic 24, of Hudson, died January 23, 2019. Survivors, mother, Faith (Harry) Dwyer; siblings, Summer, Nate, Sarah, and Nathan. Dobies Funeral Home Hudson
Tampa Bay Times
Services provided by Thomas B. Dobies Funeral Home & Crematory
Elvira Erika Marquez
1961 - 2019
Las Vegas, NV, US
Elvira Erika Marquez was born January 4, 1961 to Hildegard Himsel in Nurnberg Germany. There is where she was raised by her mother and grandmother. Her mother passed away at 41 years of age. Upon the death of her mother, Elvira went to live...
Services provided by Palm Southwest Mortuary
Fe Esperanza Marquez
1930 - 2019
Miami, FL, US
Fe E Marquez, age 88, of Miami, Florida passed away on Sunday January 27, 2019. Fe was born August 1, 1930. A visitation for Fe will be held Wednesday, January 30, 2019 from 6:00 PM to 11:59 PM at Caballero Rivero Westchester, 8200 BIRD RD, MIAMI,...
Services provided by Caballero Rivero Westchester
Jesus Rios Marquez
1938 - 2019
Odessa, TX, US
ODESSA, TX - Jesus Rios Marquez , 80, of Odessa, TX, died Wednesday, January 23, 2019, in Odessa. Services are pending with Acres West Funeral Chapel of Odessa.
Odessa American
Services provided by Acres West Funeral Chapel & Crematory
Judy Marquez
Age 77
Pass Christian, MS, US
Judy L. "JuJu" Marquez Pass Christian Visitation: Saturday, January 26, 2019, 9-11am; Mass of Chiristian Burial at 11am, both at St. Paul Chapel, Pass Christian. RIEMANN FAMILY FUNERAL HOME, 19130 Commission Rd., Long Beach is serving...
The Sun Herald
Services provided by Riemann Family Funeral Home
Francisca Marquez
Age 98
Pico Rivera, CA, US
Francisca Marquez, 98, resident of Pico Rivera, California entered into eternal rest on January 14, 2019.Francisca was born on October 4, 1920 in Loving, New Mexico to Dionica Adame and Brigido Gaspar.Francisca is survived by her sons; Guadalupe,...
Services provided by Guerra & Gutierrez Mortuary - Montebello
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There have been some situations recently in which characters became bugged and unable to advance properly. These are:

Betraying your original city, then talking to the class-giving NPC in your new city and choosing a different class. This would prevent you from properly obtaining your subclass.

Choosing an artisan class, then talking to the same NPC again and making a different selection. This would prevent you from advancing to your artisan subclass.

Working on the Orcish Wastes access quest when your journal was full. The quest branched off to a non-hallmark quest that would not be added to the journal and could not be triggered again.

The current method of having these problems addressed is to /petition in game so a customer service representative can schedule a time for one of our designers to manually correct the bugged quests.

However, with tomorrow's update we will be adding an automated fix for these issues in game. There will be an object added in each city (the Temple of Life in Qeynos, the Temple of War in Freeport) that players can interact with in order to properly advance once again.

Please note that in the cases where two class selections were made, your character will be reset to the first choice. You do not get to choose which selection you want to carry forward.

We apologize for the problem and for the delays some of you have experienced in getting this resolved.


text:
Call it a battle of the future, two men we have pegged to win Championship gold in their careers. Ethan Page vs. Willie Mack will take place at Uncaged. We are certainly looking forward to this match and the outcome. A win for both of these men is very important. A win can catapult either man to a Championship match. Who do you have your money on in this one?
Don't miss Uncaged on Friday night!
The post Ethan Page vs. Willie Mack at Uncaged appeared first on IMPACT Wrestling.


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WASHINGTON — The general manager of a D.C. restaurant is in critical condition in an Atlanta hospital after he was robbed and shot following a wedding.
Christian Broder, the general manager of Millie's, on Massachusetts Avenue in Northwest, was shot outside a country club where he and three other people were waiting for an Uber after a wedding they'd attended, a report from the Atlanta police said.
When a car arrived, Broder and his group walked toward it assuming it was their ride, but a man got out of the passenger's side and robbed them at gunpoint, taking a cellphone, a purse, wallets and cash.
Broder tried to flag down another passing vehicle and get them to call 911, then went after the robber to negotiate, the police report said. The suspect turned around and shot Broder in the abdomen, the police said.
A GoFundMe campaign has been set up for Broder's family; according to the campaign, "Christian is in critical condition" and has "undergone several lifesaving surgeries." He's still in intensive care in Atlanta, the campaign says.
Atlanta's WSB-TV reports that Broder is in "stable but critical condition," and that he's 34 and is married with a 9-month-old daughter.
Like WTOP on Facebook and follow @WTOP on Twitter to engage in conversation about this article and others.
© 2018 WTOP. All Rights Reserved. This website is not intended for users located within the European Economic Area.
Dreaming of concerts under the warm summer sun? Check out which artists are performing in Wolf Trap's summer lineup.
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Register now to gain access to all of our features. Once registered and logged in, you will be able to contribute to this site by submitting your own content or replying to existing content. You'll be able to customize your profile, receive reputation points as a reward for submitting content, while also communicating with other members via your own private inbox, plus much more! This message will be removed once you have signed in.
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About Ketchup
Ketchup replied to 1234567's question in Questions, Help & Support1.55 saves are NOT compatible with 1.6 or 1.7
Ketchup replied to Liu's question in Questions, Help & Supportmaybe you should have waited 24 mins.... not joking, this mod is very very big and hard on computers... did you tried to alt TAB out and surf during it loads ?
sirofim 83 started following Ketchup
Ketchup replied to QuantumAlice's question in Questions, Help & Supportmost of people get their retail version from steam and gog and they are up to date because it is easy. those who arent updated mostly come from torrents and cracked pirated version and there is no update.... those people just need to find the new version 1.0.7 v 170910 at same place they found the other old version... torrent and whatsoever. but i strongly suggest to buy it, 1 it is a super cheap game, 2; it comes very often in 33% and 66% sale... 3: this game deserve it.
haha no worry ! i did the same one day when we got the .... i think it was when we got patch 1.0.6 or 1.0.7 lol
deleted anything in that windata folder ? because if you deleted the 4 data/patch pakages.... you killed your game. can we have some screenshot of your windata folder ?
Ketchup replied to Renny5's question in Questions, Help & SupportHAHA This!
rejectedegg started following Ketchup
but you can add RKEC below CC and get something to do with gold ore smelt it into bars with the foundry and then use it to make Gilded Furnitures, Royal Armors and Royal Weapon some buildings of RKEC also need gold bars. RKEC works great with CC but the only thing with RKEC, you cannot load a save game made without RKEC only new game.
each time you add a mod, uncheck a mod, move order you must never start a new map. you always need to close totally the game and restart it. the game need to update the window registry. and the game only does it when you close totally the game. we say that almost every day or every week lol. 457,985 times so far ^^ i know i exagerate but that's almost that hehe
is directx 11 installed ? card not support 11 ?
yes thats important , but the info that is more important than that ... is the build number. you absolutely need "build 170910".
wait wut ? not showing in the mod section ? lets try this again. i want you to go in your windata folder and tell me the complete name of all files and all the folders there... did you unzipped it ? did you unzipped it and put in another folder like \windata\colonialcharter\ ?
yeah. on some pc if you can go surf during that time.... it speeds up things.
Ketchup replied to ShockPuppet's topic in General Colonial Charter DiscussionHere. have a look :
Ketchup replied to Mark870's topic in Suggestions & Ideasyeah but you know. we cannot modify the game. the game is set in a way and we need to deal with it. make mods is not programming. many people has hard with this, they imagine we can change the game. The game has good and has flaws, we have no choice but live with it as Luke did. Hopefully his* 2nd game will be better.
Ketchup replied to MonkeyZy's topic in Mods General DiscussionCongratulations !


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200 Ryans RunJefferson GA 30549
Single Family Detached / Fee Simple
4 Bedrooms / 3 Bathrooms
Gum Springs, Jackson County, West Jackson, Wood Farm
Great Ranch w/split bedroom plan on 1 acre. Large open floor plan, rocking chair front porch, huge new deck overlooking private level backyard. Home features 4th bedroom, 2nd family room & kitchen in finished basement, plus a bonus room and 2nd laundry connections, has lots of storage & work area & Radon Mitigation System installed, perfect in-law suite. You will love the entertaining & living space this home has to offer. Hardwood floors, carpet in bedrooms. Master Bedroom has sitting area, bath features double vanities, separate shower & garden tub. Banquet size dining room, kitchen w/tile back splash opens to spacious b'fast room & vaulted family room w/fireplace. Side entry garage, professionally landscaped yard.
Property Type:
Single Family
Square Feet:
3,388 (approx)
Lot Size:
46,609 sqft / 1.07 acres (approx)
Wood Farm
Feb 15, 2019 (5 days)
Elementary School:
Gum Springs
Middle School:
West Jackson
High School:
Jackson County
Bath Finished, Daylight, Entrance – Inside, Entrance – Outside, Finished Rooms, Full
Updated: Wednesday, Feb 20 2019
You have viewed 507 properties
Listing courtesy of Keller Williams Rlty Atl.Partn
© 2019 GAAR. Information deemed reliable, but not guaranteed. This site was last updated 2019-02-20.
© 2019 GAAR. Information deemed reliable, but not guaranteed. This site was last updated 2019-02-20.
200 Ryans Run
Jefferson, GA


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- 4 beds
- 2.5 baths
- $299,000 price
- 21603219 mls id
- Half Baths: 1
- Square Feet: 2,104 sqft
- Year Built: 1984
- Lot Size: 0.49 acres
- Neighborhood: Hamilton - Clay
- Status: Active
Beautifully renovated 4 bedroom, 2.5 bath traditional home in Hunters Creek Village of Carmel! Brand new windows, hardwood floors throughout, custom kitchen w/ quartz countertops, & new stainless appliances. Vaulted family room w/ fireplace that looks out onto new deck. Large fully finished bonus room over garage, master w/ marble shower, floors and countertops. Huge walkin closet! Close to Clay Terrace, Monon, and US 31. Don't miss your chance to own this gem!
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Enter this stunning completely updated home with gleaming hardwoods throughout! Formal entry leads to LR with over sized windows gliding to formal DR featuring built-in book shelves & french doors leading to wood deck complete with bar & entertaining area. Sleek kitchen boasts new SS...
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Location, Location, Location!! A wonderful family home in the center of Carmel completely remodeled home for modern living, with a stunning updated kitchen which was opened up to the dining room & spacious family room. Too many updates to list all; some include all newer windows, new bathrooms...
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Look No Further, you've found it! Two-story entry & 9' ceilings make this one feel spacious! Tired of gross carpet? Hard floors throughout! Big eat-in kitchen w/ white & gray cabinets, new solid surface counters w/ integrated sink! Large family rm w/ gas fplc, main level office w/ glass...
4 beds, 2 baths, 2,352 sqft, $279,900
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Gorgeous 4 Bedroom with lots of updates, Brand new laminate flooring, freshly paint on main floor, New Cabinets(lower section) with Brand new S.S appliances, Enjoy peaceful summer nights on your back patio that overlooks a pond with fountain in the center. Two story entry way with beautiful...
14385 Greenbelt Court Carmel, IN
4 beds, 2 baths, 2,346 sqft, $279,900
Listing Agent: Alex K. Oh
Courtesy of: Carpenter, REALTORS®
39 Pictures
The most private lot you will find in Carmel in this price point.Park like setting.No home behind you & tons of mature trees. Meticulously landscaped.Nicely updated home, formal liv & din rm,lrg family rm w/vaulted ceiling,floor to ceiling brick fireplace.Lrg kitchen, quartz counters &...
14462 CHERRY RIDGE Road Carmel, IN
4 beds, 2 baths, 2,628 sqft, $284,900
Listing Agent: Jacqueline Graham
Courtesy of: century 21 scheetz carmel
Courtesy of: Highgarden Real Estate
Office Phone: 317-205-4320
Listing Agent: Matt Heincker
Updated: 19th February, 2019 6:18 PM.
846 West 146TH Street Carmel, IN


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Stock Study – Amaranth Hedge Fund Collapse
- December 16, 2018
- Posted by: tropucorer
- Category: banking
You may be acquainted with Amaranth LLC, the huge hedge fund that collapsed previous fall, after blowing up $6 billion of investors' cash. It right now comes out that the conditions under that they self-destructed are worthwhile studying.
But earliest – A METAPHOR
What would happen in the event that you had a discomfort in your upper body, and you'd tests taken at your physician on a Monday who you possess regarded and trusted for 30 years? He lets you know that the benefits will let you know if you are likely to live or die, no among. You now go to the doctor on a Friday to go over the results. The physician says for you how do you want to guess on the results.
You offer to gamble $1 million that you will be going to live. The physician says, "I am going to take your gamble myself." Would you even now make the wager? The response is no, of training you wouldn't as the doctor already knows the effect. and you do not. It's like wagering against the home in NEVADA when the home already KNOWS the way the results will come out.
This may be the same situation inside our view that Amaranth the hedge fund confronted during its trading crisis. Hedge money have to reserve their trades through a clearing company, no unique of many major brokerage organizations clearing trades for more compact brokerage firms. Small firm pays a payment to the bigger organization that clears the trades for them.
In the circumstance of Amaranth the hedge fund, JP Morgan was the clearing broker, referred to as a Prime Broker. Essentially Amaranth made wagers on the strength futures market segments, and these wagers went the wrong manner. As a hedge fund, Amaranth uses leverage when it trades against its collateral, usually borrowing about 6 to at least one 1, and sometimes mainly because high as 8 to at least one 1. JP Morgan as the clearing broker was the lending company of the excess margin.
Now whenever a trade moves against a hedge fund, the fund could be called after by the clearing organization to put on more margin, meaning income, or securities to safeguard the clearing firm. In cases like this the situation occurred on a Friday. Amaranth wished to eliminate vast amounts of dollars of toxic negative trades giving them to Goldman Sachs, who decided to consider them if Amaranth would provide Goldman $2 billion in cash together with the trades.
Goldman would then simply assume the chance of what goes on to those trades. Amaranth wished its clearing organization, JP Morgan to provide Goldman the $2 billion from its capital bank account simultaneous with the motion of the trades.
JP Morgan wouldn't normally release the cash. They barked, stating that they sensed they would be at risk if this had been to occur. A clearing company hates risk, rather than really wants to take risk. Amaranth rapidly had to use in the just about all treacherous waters imaginable. That they had to start speaking with outsiders in a desperate try to structure a deal with anyone with the capacity of spending these trades or injecting different additional capital. Remember, that is Wall Road, the sharks had been circling.
Anyone who had understanding of Amaranth's trades knew right away how precarious the oil marketplaces that Amaranth was involved with. They also knew how exactly to play the marketplace to its own advantages employing Amaranth's weaknesses. The SHARKS arrived in and have trades that could work with their advantage. Within a subject of trading time, this huge hedge fund was sacrificing vast sums of additional us dollars. Merrill Lynch made a decision to take a little bit of the funding deal, which drove Goldman Sachs up a wall. Goldman upped the ante, and made a decision to charge Amaranth vast sums more to do the offer which would partially preserve Amaranth.
Now here's where our storyline of the physician with the patients data and the patient's gamble come in practical. JP Morgan as the clearing broker was able to know more about the health of Amaranth's literature, and their trading positions than other people in the market. Since JP Morgan as well trades in the same industry as Amaranth, the lender knew the market's state better than other people also.
When the Morgan lender was informed a offer was imminent between Goldman and Amaranth, the Chairman of Morgan got engaged himself and known as in his top strength trader over the weekend. Morgan was thinking about making their own package for Amaranth's positions, the positions that they cleared for Amaranth over the preceding a few months.
The Morgan lender was relaxing in the catbird seat. They realized everything; they found everything, no unique of a black jack supplier in Las Vegas having the capacity to inform everyone's cards. As someone who has been around this field for 30 years, and viewed a few companies decrease the tubes in a package such as this, I tell you, it generally does not SMELL RIGHT.
JP Morgan recognized that Amaranth couldn't produce a handle anyone so long as the Morgan lender held the security. No deal could possibly be organized if Morgan wouldn't launch at least area of the profit the Amaranth consideration at Morgan. The Morgan lender was in comprehensive control of Amaranth's destiny. What would the lender do?JP Morgan as well acts as a huge hedge fund trader because of its own bank account in the energy market segments, and in other marketplaces. In a way it competes against its clientele if it chooses to, in these market segments. The difference is while you are a significant clearing firm and trading yourself, which is normally what Morgan does indeed, you have the benefit. You know the marketplace place that no one else may also dream about having. It's the trader's ultimate dream. Periodically the clearing company can dictate the marketplace.
The FINAL DEAL
Discussions ensued through the weekend, into Monday, and Tuesday. Amaranths finally capitulated at 5:30AM on Wednesday morning hours, and guess who signed the offer. J.P. Morgan with the Citadel Expenditure Group, another hedge fund inked the offer. Amaranth's $800 million in portfolio losses from the weekend will be consumed by Amaranth themselves. Morgan and Citadel got $1.6 billion in income to have the trading positions in the portfolio off Amaranth's literature. They got another $300 million to assume alternatives positions, and also a $250 million kicker for commodity investments.
What's underneath line here? It only became public info that J.P. Morgan built $725 million because of its bottom line on the offer. Congratulations to a good conservative bank, that usually catered to conservatively controlling the trust cash of its wealthy clientele. Do you {feel that} GREED had anything {regarding} the bank's decision to {slice the} cope with Amaranth, {instead of} {getting a} bailout? Gee, a {lender} wouldn't function {like this}, would it?


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