text:
|Withdrawals from Dealers Inventory
|Withdrawals from customer Inventory
|Deposits to the dealer Inventory
|Deposits to the customer Inventory
|No of oz served 2
|10,000 oz
|No of oz to be served
|Withdrawals from Dealers Inventory
|302 oz
|Withdrawals from customer Inventory
|129 oz
|Deposits to the dealer Inventory
|Deposits to the customer Inventory
|No of oz served 86 contracts
|8600 oz
|No of oz to be served 599 contracts
Official Gold Reserves As of June 10, 2010, and Truths Yet to be Told
It is important to remember that these are the 'official' numbers. And it does not show how the reserves are 'encumbered' by leases and loans.
For example, there is circumstantial evidence that the Reserve Bank of Australia loans up to 100% of its gold reserves to the bullion banks who subsequently sell it, and then 'owe' it to the Bank and the people of Australia. The trick of course is the significant counterparty risk in the event of a serious short squeeze.
And they are not the only ones. Since this is an asset owned by the people, a timely and transparent accounting by the Treasuries and the Banks is something that the people of every nation obviously deserve. Whether the financial engineers, who enjoy experimenting with Other People's Money and doing favors for their private sector cronies, will ever willingly provide that information is another story altogether. It will almost certainly be under force of law, or an independent audit.
World Gold Council
Official sector gold reserves as at June 2010
European central banks sold virtually no gold over the past quarter, save a small amount for minting gold coins. Total sales by European central banks have amounted to just 1.8 tonnes since the third central bank gold agreement began in September of last year. The only sales of note made via CGBA3 have been by the IMF, which has sold 38.7 tonnes since mid-February. We expect the IMF to sell at a similar pace this quarter.
Outside of the agreement, the main purchases reported over the last quarter have been by Russia and the Philippines, both of which have long-standing gold buying programmes. The Central Bank of Russia bought another 26.6 tonnes of gold over the past quarter, taking its total gold holdings to 668.6 tonnes or 5.5% of its total reserves, and remains the 9th largest official sector gold holder. The Philippines central bank bought 9.5 tonnes of gold in March, taking its gold holdings to 164.7 tonnes or 13.7% of total reserves.
The Saudi Arabian Monetary Authority reported last quarter that "gold data have been modified from First Quarter 2008 as a result of the adjustment of the SAMA's gold accounts", meaning SAMA's gold reserves are now reported to be 322.9 tonnes or 2.8% of reserves, from 143 tonnes or 1.2% previously....
What Have They Been Doing Since the Financial Crisis Began?
"China is considered a stealth buyer of gold, said Boris Schlossberg, director of currency research at Global Forex Trading. As the world's largest producer of the metal, China often buys gold from its own mines and doesn't report those sales publicly. But in April 2009, China did admit to having added 454 tonnes, or a 76% increase, to its reserves since 2003.
Analysts suspect the country is continuing to buy gold and could in fact, be the world's largest buyer consistently. It simply doesn't reveal it's pro-gold stance proudly, however, because China is also the world's largest holder of U.S. Treasurys.
Announcing an aggressive gold buying spree is not in China's best interest because, for one, it might push gold prices higher. Secondly, it could devalue the U.S. dollar, which would subsequently lessen the worth of the country's portfolio of U.S. government bonds, Schlossberg said."
Central Banks Join Gold Rush - CNN
Just as there are stealthy buyers, how can one refuse to acknowledge the body of evidence that there are also stealthy sellers, hiding behind official secrecy, derivatives arrangements, leases, and accounting frauds that will shock and anger the real owners of the assets when their hidden and conflicted dealings with their cronies in the private banking sector are revealed?
Anyone at this point who says that the Fed would never engage in such obviously compromised and conflicted transactions, and then go to great lengths to hide them, has either not been reading the real news, or is as compromised as the central bankers and their cronies in government and the mainstream media are, morally and intellectually.
And if they will allow the equity markets to be manipulated, as any even modestly sophisticated trader with decent access to tools must now recognize and admit, why would they hesitate to enable and encourage the manipulation of the sovereign bond markets, and those markets that affect them, which are by far the most important markets of all?
The world is not big enough for them to find a place to hide from justice after the truth is revealed. So they will lie and obstruct, extend and pretend, increasingly desperate for power, corrupting all that is corruptible, until the very end, and the final downfall and collapse. And then will come the crocodile tears, and the claims of ignorance, and finally weak apologies that they thought they were doing the right thing, but were honestly mistaken.
Such is the case in all control frauds, white collar crimes, official corruption, and Ponzi schemes.
The banks must be restrained, the financial system reformed, and the economy brought back into balance, before there can be any sustained recovery.
"gold data have been modified from First Quarter 2008 as a result of the adjustment of the SAMA's gold accounts."
Submitted by Tyler Durden on 06/18/2010 10:43 -0500
The WGC has released its latest report of official gold holdings. The key buyers and sellers, well, seller, were Russia, +27.6 tonnes, Venezuela, +3.1 tonnes, and Philippines, +10.3 tonnes, while the IMF sold 38.5 tonnes. Yet most interesting was the surge in Saudi Arabia holdings which increased its official holdings from 143 to 323 tonnes. It appears, at least on the surface, that this was not incremental purchasing, or at least that is how the Saudi Arabian Monetary Authority is trying to spin it: "gold data have been modified from First Quarter 2008 as a result of the adjustment of the SAMA's gold accounts." We wonder just how a country can "reclassify" 180 tonnes, or more than double existing holdings, in gold. Of course, if would not be good to see the country which lies on a sea of the world's biggest non-gold, yet $-denominated commodity to be in the market, diversifying its dollar holdings into hold. If SA had in fact purchased the gold, it would be equivalent to roughly $7.5 billion worth of purchases in the open market…
The premiums to NAV continue to remain strong. The premium on the GTU has already climbed back to 8%.
Here are the NAV's on our two ETF's, the central fund of canada and thePHYS:
CEF closed at an 8.3% premium (8.1%) and PHYS at 11.739% (11.878%).
Here is a story on the hoarding of gold by Vietnamese citizens. They are the largest per capita hoarders of gold in the world.
Their private gold hoardings back mortgages on real estate:
Vietnam's gold habit weighs down dong
By Tim Johnston in Hanoi
Dave Kranzler and I agree on the grave situation at the silver comex. Today in his commentary at the Golden Truth, we reiterates what I have been reporting on:
Silver: Is A Physical Squeeze Starting To Bubble Up?
The Comex had two large silver withdrawals this week. Yesterday's warehouse stock report showed 1.2mm ounces were removed, 900k of it from the "eligible" inventory, which is the investor inventory being "safekept" at Comex depositories but not available to be delivered. 480k of that 900k was removed from Scotia. With all the discussion and unrefuted (by Scotia) accusations about Scotia's depository safekeeping methodologies, it wouldn't surprise me to see even more gold and silver going forward being taken out of Scotia's customer inventory.
But here's an even more glaring issue: as of last Friday, the net commercial short position in silver, as per the COT report, was 55,329 contracts. At 5,000 ozs/contract, that's 276,645,000 ounces of silver sold short by the big bullion banks (Mostly JP Morgan, HSBC and BNS - and mostly JPM at that). What's the problem? The total silver inventory being reported by the Comex is 118 million ounces. But of that, 66 million is customer inventory not available for delivery, leaving 52 million ounces of silver that can be delivered vs. 276 million of short paper silver.
Let's break it down to just July silver. The July silver open interest is 47,921, which means that there is 239 million ounces of silver that has been shorted for July vs. the 52 million available for delivery. See the problem? Historically JPM could count on the longs to sell their position before first notice of delivery day or tender for cash. If the Comex silver longs start correlating with the trend in the actual physical market, the Comex will default on silver deliveries...
A reader related to me yesterday that he had a silver bar delivery problem with the Comex about three months ago that had to be resolved using his broker's lawyer. Our fund has experienced several delays in getting silver delivered from the Comex - with HSBC as the counterparty - over the past year. This includes last year, when our April silver was not delivered until June 20th (7 weeks past contractual last delivery day).
Furthermore, I know that my friend who is a bullion trader here in Denver is having a hard time sourcing any kind of real supply of silver bullion on the "bid side" of the market, which means he's having a hard time finding retail sellers in any kind of size AND his buyers want silver right now. He was definitely postured as a much better buyer and was beating me up to sell him some silver eagles.
That the physical market in gold and silver is getting tight is not new news. But the above withdrawals from the Comex customer silver inventories this week, in the context of the anectdotal events as described above, can only lead one to believe that an enormous amount of pressure is being created by the trend of big investors demanding physical delivery into private depositories that are trustworthy and not connected to the bullion banks, who are likely leasing out some portion of the bullion in their depositories.
One more interesting development has to do with scrap supplies of gold. In the past, when gold breaks out to new highs, European bullion dealers report the emergence of a large supplies of scrap selling that hits the market. Last January (2009) the flow of scrap into the market was credited with causing the subsequent pullback in price. So far in this latest move, very little scrap supply is being reported.
GATA has maintained for over 11 years that eventually the physical market demand would completely overwhelm the ability of the paper short interest to satisfy delivery demands. I would argue that the market is starting to transition into that process and it will lead to much higher prices. In fact, I believe all but the most knowledgeable gold investors will be stunned by coming price movements. What will be even more shocking to many is the premium over spot that the market will pay for deliverable physical bullion.
Here is a CNN report which shows the huge rush into this ancient metal of kings;
Central banks join gold rush
NEW YORK (CNNMoney.com) -- Foreign governments have been getting in on the recent gold rush, driven by continued fears about Europe's debt crisis and the pace of the global economic recovery.
Those concerns have been propelling the precious metal to record highs over the past 18 months. In fact, gold posted a new intra-day high Friday, when it reached $1,260.90 an ounce. A day earlier, it reached a fresh record high closing price of $1,248.70 an ounce.
Last year, foreign central banks were net buyers of gold for the first time since 1997. India, China and Russia have been the biggest buyers. And more recently, the Philippines and Kazakhstan jumped into the fray with big purchases of the precious metal during the first quarter, according to data released by the World Gold Council Thursday.
Each country has its own unique reasons, but there are a few broad trends that unite them all, said Natalie Dempster, director of government affairs for the World Gold Council.
Like many individual investors, foreign governments prefer to spread their wealth around to decrease their risk.
The U.S. dollar is typically the main reserve asset because it's considered to be more stable than other holdings, while the euro comes in as the second most popular reserve currency. But gold is not far behind. The precious metal plays an important role as a hedge against inflation, which could devalue paper currencies.
Unlike paper currencies, gold has a tangible value and that value is not dependent on any one country's economic policies.
When the financial crisis drove down the dollar's value in 2009, and Europe's debt woes pushed the euro to fresh four-year lows earlier this month, investors and foreign central banks flocked to safe-haven assets like gold.
Add rising deficits in both Europe and the United States to the mix, and currencies have become increasingly questionable assets, said Jeffrey Nichols, managing director of American Precious Metals Advisors and senior economic advisor to Rosland Capital.
That's why it's no surprise that foreign central banks overall have turned from sellers into buyers of gold in the last year, he said.
Russia and Kazakhstan: As far as public records show, Russia appears to be the largest buyer of gold among central banks so far this year. In the first quarter of 2010, Russia's central bank increased its gold reserves by 26.6 metric tonnes, or about $1.2 billion at today's price, according to World Gold Council data. That's in addition to the 117.63 tonnes that Russia added in 2009.
Russia has been adding to its gold reserves steadily for more than three years, partly through buying its own domestic mine production. It considers gold both a symbol of prestige as well as a way to bolster the country's credit worthiness, Nichols said.
Kazakhstan, the third largest buyer so far in 2010, has a similar strategy, although at a much lesser level. The former Soviet-controlled country bought 3.1 tonnes, or $137 million, of the precious metal in the first quarter.
Philippines: After Russia, the Philippines falls a distant second as a buyer, after purchasing 9.6 tonnes, or about $424 million, of gold earlier this year.
The Philippines also buys its domestic production as a way of supporting local industry and as an inflation hedge, but its reserves usually fluctuate more than Russia's because the country often sells it at a later date on the open market.
India: While India has yet to publicly announce any major gold buys this year, the country bought a massive 200 tonnes, or what amounts to about $8.8 billion at current prices, from the International Monetary Fund in November.
The move, which multiplied India's reserves by 55%, was seen as a way for the country to diversify its reserves and reinforce the perception among Indian consumers that the metal is a reliable and safe asset, the World Gold Council said.
China: China is considered a stealth buyer of gold, said Boris Schlossberg, director of currency research at Global Forex Trading. As the world's largest producer of the metal, China often buys gold from its own mines and doesn't report those sales publicly. But in April 2009, China did admit to having added 454 tonnes, or a 76% increase, to its reserves since 2003.
Analysts suspect the country is continuing to buy gold and could in fact, be the world's largest buyer consistently. It simply doesn't reveal it's pro-gold stance proudly, however, because China is also the world's largest holder of U.S. Treasurys.
Announcing an aggressive gold buying spree is not in China's best interest because, for one, it might push gold prices higher. Secondly, it could devalue the U.S. dollar, which would subsequently lessen the worth of the country's portfolio of U.S. government bonds, Schlossberg said.
Let us now go to the economic developments of the day.
First of all, this is the biggest story of the year. It is from Bloomberg and it came out this morning:
China Signals End to Yuan's Two-Year Peg to Dollar (Update3)
june 19 (Bloomberg) -- China said it will allow a more flexible yuan, signaling an end to the currency's two-year-old peg to the dollar a week before a Group of 20 summit.
The decision to "increase the renminbi's exchange-rate flexibility" was made after the economy improved, the central bank said in a statement on its website, without indicating a time-frame for the change. It ruled out a one-off revaluation, saying there is no basis for "large-scale appreciation," and kept the yuan's 0.5 percent daily trading band unchanged.
"The recovery and upturn of the Chinese economy has become more solid with the enhanced economic stability," the People's Bank of China said in the statement. "It is desirable to proceed further with reform of the renminbi exchange-rate regime and increase the renminbi exchange-rate flexibility."
The decision may help deflect criticism of China when G-20 leaders meet on June 26-27 in Toronto and ease pressure from U.S. lawmakers, who have urged President Barack Obama to use the threat of trade sanctions to force policy change. A more flexible currency would give China more freedom to decide on monetary policy and reduce inflationary pressures by lowering import costs, the World Bank said in a report last week.
U.S. politicians "can declare this a partial victory," said Ma Jun, a Hong Kong-based economist for Deutsche Bank AG. "The impact of this reform on the real economy over the short-term will be limited, because the yuan is unlikely to move significantly against the currency basket."
Winners and Losers
Chinese authorities have prevented the currency from strengthening since July 2008 to help exporters cope with sliding demand triggered by the global financial crisis. The currency appreciated 21 percent in the three years after a peg to the dollar was scrapped in July 2005 and replaced by a managed float against a basket of currencies including the euro and the Japanese yen. The yuan is a denomination of China's currency, the renminbi.
Companies focused on the Chinese market, including Beijing- based computer maker Lenovo Group Ltd. and Shanghai-based China Eastern Airlines Corp., said in March that they would gain from lower import costs and stronger consumer-purchasing power should the yuan appreciate. Textiles makers would stand to lose the most and some would "face bankruptcy" as their profit margins are as low as 3 percent, Zhang Wei, vice chairman of the China Council for the Promotion of International Trade, said in March.
China's inflation rate jumped to a 19-month high of 3.1 percent in May, higher than the government's full-year target of 3 percent. Central bank dollar buying has left the nation with $2.4 trillion in currency reserves, the world's largest holding.
Crisis Policies
"China has ended its crisis-mode exchange-rate policy as the economy recovers strongly and inflationary pressure continues to build," Li Daokui, an adviser on the People's Bank of China's policy board, said in an interview. "The yuan's future trend depends on the euro's movement, and the trends of other major currencies."
Yuan 12-month forwards rose the most this year yesterday, gaining 0.5 percent to 6.7125 per dollar. The contracts reflect bets the currency will appreciate 1.7 percent from the spot rate of 6.8262. They had been pricing in appreciation of 3.2 percent on April 30 before a slump in the euro and a worsening of Europe's debt crisis eased pressure for appreciation.
"The central bank's statement means China's exit from the dollar peg," saidZhao Qingming, an analyst in Beijing at China Construction Bank, the nation's second-biggest bank by market value. "If the euro continues to remain weak, it could also mean that the yuan may depreciate against the dollar."
Treasury Response
U.S. Treasury Secretary Timothy F. Geithner praised China's decision today to allow more currency flexibility and said the pledge needs to be followed by "vigorous" action to help strengthen the global economy.
"We welcome China's decision to increase the flexibility of its exchange rate," he said in a statement released today in Washington. "Vigorous implementation would make a positive contribution to strong and balanced global growth."
Geithner on April 3 postponed an April 15 deadline for a semiannual review of the currency policies of major U.S. trading partners, which may have resulted in China being labeled a currency manipulator. China owned $895.2 billion of U.S. Treasuries as of the end of March, the largest holdings.
Today's announcement is "a gesture to the U.S., but without a specific timetable," said Tao Dong, a Hong Kong-based economist at Credit Suisse Group AG. "The pressure is on China now to move its exchange rate ahead of the G-20 summit."
Currency Basket
China's overseas sales jumped 48.5 percent in May from a year earlier, the biggest gain in more than six years, according to customs bureau data June 10. Exports exceeded imports by $19.5 billion, from $1.68 billion in April and a deficit of $7.24 billion in March that was the first in six years.
China's narrowing balance of payments gap indicates that there's no basis for "large-scale appreciation" by the yuan, the central bank said in the English version of its statement. The Chinese version said no "large-scale volatility"
Twelve of 19 respondents surveyed by Bloomberg in April predicted the central bank would allow the currency to float more freely this quarter, while the rest saw a move by year-end. Eleven ruled out a one-off revaluation, while fifteen predicted a wider daily trading range.
"Continued emphasis would be placed to reflecting market supply and demand with reference to a basket of currencies," the statement said. That suggests a looser link to the dollar, said Ben Simpfendorfer, chief China economist at Royal Bank of Scotland Group Plc, in Hong Kong.
"China has to offer something ahead of the G-20," he said. "Greater flexibility allows them the option to appreciate against the dollar, perhaps during periods of dollar weakness."
To contact the reporters on this story: Judy Chen in Shanghai email@example.com.
Last Updated: June 19, 2010 11:01 EDT
This is extremely bullish for gold as the Chinese will purchase gold with their revalued (and higher) yuan.
We had only one bank failure last night, but the FDIC announced that more banks have been issued cease and desist orders. One hundred and sixty two new banks
have been issued with these orders from the FDIC as they are spilling red blood.
Here is the story on the bank failure and the FDIC report:
FDIC dips into the red as 2010 bank failures mount
Barcelona News.Net
Saturday 19th June, 2010
he Nevada Security Bank has become the 83rd bank failure in the United States for 2010. The bank was taken over by the Federal Deposit Insurance Corporation (FDIC) which arranged for Umpqua Bank, based in Roseberg, to assume the failed banks assets and deposits.
The failure will cost the deposit insurance fund around $80 million. The bank was based in Reno and, like 82 other banks this year, failed because of losses made on loans and commercial property development.
The FDIC spent $30 billion insuring the deposits in failed banks last year. 2010 is expected to be much worse as bank failures have increased by at least 200% over last year. In 2009, by June around 40 banks had failed compared to 83 so far in 2010.
Analysts have put this down to the effects of the recession reaching their peak. When the downturn first hit in late 2007, just three banks failed, followed by 25 in 2008 and according to the Associated Press, the FDIC has around 775 banks on a confidential list of institutions it is concerned about, this even as the FDIC dips $20 billion into the red due to all the bank failures.
The FDIC expects the cost of its activities to grow a further $100 billion over the next four years.
And this commentary on the above FDIC story from Jim Sinclair:
Dear Jim,
This is the first update to the analysis of key FDIC Enforcement Actions initially performed through January 22, 2010. It includes FDIC announcements of new enforcement actions taken from December 2009 through April 2010, plus new bank failures announced from January 29, 2010 through June 11, 2010.
The past several weeks have been relatively tame in terms of new bank failures. However, the information that follows suggests that probably does not reflect improving conditions in the banking sector as much as it does the government's policy of "pretend and extend" being practiced to the extreme.
A. Summary of Data
In summary, the explosive growth in the rate of new key enforcement actions has continued unabated. There were far more such actions announced over the past five months – 181 in total — than there were during any other five-month period since the beginning of this crisis.
154 new C&Ds were issued between January 2010 and April 2010. This is a 93% increase over the same period in 2009.
Furthermore, the number of banks whose troubled status the FDIC has been able to resolve — either by closing the institution in question or terminating the C&D in effect against it – has been far outstripped by the number of new C&Ds issued. In the five months since the last study, the FDIC resolved the status of 60 such institutions, 41 by closure and 19 by termination of the C&D.
Since 181 new C&Ds were issued during the same period, there are now 121 more banks operating under C&Ds than there were at the time of the initial study. The number of banks presently operating under C&Ds is now about 425.
B. Review of Methodology
By way of review, the orders tracked in this study are called Orders to Cease and Desist and Supervisory Prompt Corrective Action Directives. For ease of reference, I am referring to both as "C&Ds".
C&Ds speak directly to a bank's solvency. The most common findings underlying their issuance are that the bank has become significantly undercapitalized and bank management has become ineffective in managing risk. The bank in question becomes subject to a strict supervisory program aimed at recapitalizing the institution and restoring effective risk management procedures.
As before, the included chart summarizes the number of new C&Ds issued and for each time period specified, tracks the number of banks that have either been closed or succeeded in having their C&Ds terminated. Yearly totals are now provided for years 2005, 2006, 2007 and 2008, with a monthly breakdown beginning in January 2009.
There has been one significant change to the methodology. As this crisis has moved forward, the FDIC has taken to entering multiple orders against single banks. In some cases, a Prompt Corrective Action Directive is entered against a bank that has already been issued a Cease and Desist Order. In others, subsequent Cease and Desist Orders are entered against the same bank without the earlier ones having been lifted. I have made an effort to avoid counting the same bank more than once by including each one only in the first period it became subject to a C&D. Therefore, my numbers for each month will not always match the numbers announced by the FDIC.
C. Updated Chart
[Information current as of June 11, 2010]
Date Covered
New C&Ds
Bank Closed
After C&D
April 2010
March 2010
February 2010
January 2010
Total 2010
December 2009
November 2009
October 2009
September 2009
August 2009
July 2009
June 2009
May 2009
April 2009
March 2009
February 2009
January 2009
Total 2009
Sources: FDIC Press Releases March 3, 2006 through June 11, 2010 (http://www.fdic.gov/news/news/press); FDIC Enforcement Decisions and Orders Search Engine (http://www.fdic.gov/bank/individual/enforcement/begsrch.html);
Failed Bank List (http://www.fdic.gov/bank/individual/failed/banklist.html).
D. Observations Based On Data
1. The FDIC's backlog of troubled banks continues to grow dramatically.
Over the past five months, 181 banks became newly subject to C&Ds. During that same period, 41 banks previously subject to C&Ds failed, and 20 had their C&Ds lifted. That is a ratio of nearly 3 new "problem" banks to 1 whose status was resolved.
As a result, the number of banks presently operating under C&Ds is about 425 – a 33% increase over five months. That is nearly five times the number of banks that became subject to C&Ds during years 2005, 2006 and 2007 combined.
2. The majority of bank closures have still occurred outside the FDIC enforcement apparatus.
So far in this crisis (beginning late 2007), 250 FDIC-insured banks have failed. Of these, 120 had been subject to C&Ds. The remaining 130, slightly more than half, were not subject to any ongoing FDIC enforcement action at the time they were closed.
Most recently, the percentage of failures that had previously been subject to enforcement action appears to have been increasing. For example, of the 73 banks that failed after January 22, 2010, 44 (60%) were subject to a C&D, while only 29 (40%) were not.
Still, a very significant number of bank failures continue to involve banks that are already beyond repair by the time the FDIC intervenes. This suggests the FDIC still has not been able to identify all the banks that are in imminent danger of failure.
3. The potential number of future bank failures remains staggering.
In a press release dated May 20, 2010, the FDIC announced the number of institutions on its "Problem List" rose to 775 in the first quarter of 2010, up from 702 at the end of 2009. It also announced that the total assets of "problem" institutions increased during the first quarter to $431 billion, from $403 billion at the end of 2009. Source: http://www.fdic.gov/news/news/press/2010/pr10117.html
Factoring in the banks that failed during the first quarter of 2010 (41, with total assets of about $26 billion), the FDIC actually identified 114 new "problem" banks and an additional $54 billion in "problem" assets during the quarter. This is additional evidence that the FDIC has been uncovering new "problem" banks at a faster rate that it has been disposing of old ones.
The head of the FDIC was quick to note, "the vast majority of 'problem' institutions do not fail." This has no doubt been true historically, but at the moment we are in uncharted water.
Looking at what happened over the past five months in the enforcement arena, there were 41 new closures compared to 19 new instances of C&Ds being lifted, a ratio of about 2 to 1. Looking at all of the banks that have become subject to a C&D since January 1, 2007, there have so far been 119 closures versus 57 instances of C&Ds being lifted, again a ratio of about 2 to 1.
Should these ratios hold steady going forward, we could expect to see another 515 failures at least based on current numbers alone. Meanwhile, what has been happening over the past several months suggests the number of "problem banks" will continue to increase significantly over time.
Finally, we need to keep in mind that the degree of failures experienced so far has taken place in the context of the Financial Accounting Standards Board having caved in to political pressure last year and rolled back fair value accounting requirements, permitting banks to mark their least liquid assets up to fantasy levels. This has, in turn, permitted banks to raise new capital by making their balance sheets look much healthier than they really are.
That sanctioned fraud was a one-time "gift" to banks that cannot be repeated. Chances are, banks will have less success raising new capital as time goes on, and will therefore be increasingly susceptible to failure.
Respectfully yours,
CIGA Richard B
The banking crisis in Spain is only beginning. Please refer to this commentary from Zero Hedge:
Ferocity Of Imminent Spain-Germany Cold War Will Only Be Second To Upcoming Fox Biz-CNBC No Holds Barred
One of the more ominous news of the day came from Reuters, which reported that the previously disclosed rumor that Spain was seeking a €250 billion bail out package, had in fact originated from high-placed German officials. The move, which will could easily set off an intraeuropean cold war, was prompted by the increasing schism between Europe's (so far) solvent core and the insolvent Club Med, and was intended "for Spain to take tougher austerity measures to cut its huge budget deficit." Instead, the tsunami of denial that resulted, only exacerbated matters and made it seems like Spain is truly on the brink. Compounding this animosity, was the disclosure that Spain's direct counterattack took the form of the El Pais story that "quoted Spanish government officials as saying Madrid wanted to publish the results of stress tests being conducted on its banks to reassure markets" a move which has been opposed by Germany and especially by Austria, which believes that publishing the true deplorable state of affairs of its Erste and Raiffeisen Bank would cause yet another bank run. At the end of the day, none of this helped either unlock Spain's frozen interbank or money markets, or encourage a sense of credibility in the euro (turns out that was only courtesy of the biggest short squeeze in Euro history). In fact, if such political low blows are to be expected, it is only a matter of time before all investors completely desert Europe and let it deal with its escalating vendettas on its own. Yet all of this pales in comparison with the very sweaty locker room war that was just unleashed by Fox Business' Charlie Gasparino against CNBC, and particularly its early morning anchor, Joe Kernen.
As many of you know, I use the index of the ECRI as a true indicator of how things are going.
Yesterday, they reported that their index of leading indicators dropped from 123.00 to 122.5 from the week before. It is at its lowest level since July 2009.
This is a wonderful private think tank and you can be sure, they are accurate and you can rely on them.
Next, we got this story from the former governor of the Fed:
Greenspan Says U.S. May Soon Reach Borrowing Limit (Update1)
By Jacob Greber
June 18 (Bloomberg) -- Former Federal Reserve Chairman Alan Greenspan said the U.S. may soon face higher borrowing costs on its swelling debt and called for a "tectonic shift" in fiscal policy to contain borrowing.
"Perceptions of a large U.S. borrowing capacity are misleading," and current long-term bond yields are masking America's debt challenge, Greenspan wrote in an opinion piece posted on the Wall Street Journal's website. "Long-term rate increases can emerge with unexpected suddenness," such as the 4 percentage point surge over four months in 1979-80, he said.
Greenspan rebutted "misplaced" concern that reducing the deficit would put the economic recovery in danger, entering a debate among global policy makers about how quickly to exit from stimulus measures adopted during the financial crisis. U.S. Treasury Secretary Timothy F. Geithner said this month that while fiscal tightening is needed over the "medium term," governments must reinforce the recovery in private demand.
"The United States, and most of the rest of the developed world, is in need of a tectonic shift in fiscal policy," said Greenspan, 84, who served at the Fed's helm from 1987 to 2006. "Incremental change will not be adequate."
Rein in Debt
Pressure on capital markets would also be eased if the U.S. government "contained" the sale of Treasuries, he wrote.
"The federal government is currently saddled with commitments for the next three decades that it will be unable to meet in real terms," Greenspan said. The "very severity of the pending crisis and growing analogies to Greece set the stage for a serious response."
Yields on U.S. Treasuries have benefitted from safe-haven demand in recent months because of the European debt crisis, a circumstance that may not last, said Greenspan, who now consults for clients including Pacific Investment Management Co., which has the world's biggest bond fund.
Benchmark 10-year Treasury notes yielded 3.20 percent as of 12:11 p.m. in Tokyo today, down from the year's high of 4.01 percent in April and compared with as high as 5.32 percent in June 2007, before the crisis began. Yields have remained low "despite the surge in federal debt to the public during the past 18 months to $8.6 trillion from $5.5 trillion," Greenspan said.
The swing in demand toward American government debt and away from euro-denominated bonds is "temporary," he said.
"Our economy cannot afford a major mistake in underestimating the corrosive momentum of this fiscal crisis," Greenspan said. "Our policy focus must therefore err significantly on the side of restraint."
--Editors: Chris Anstey, Lily Nonomiya
To contact the reporter for this story: Jacob Greber in Sydney at email@example.com
To contact the editor responsible for this story: Chris Anstey in Tokyo at email@example.com
Here is a story on the continuing plight into the problems facing Illinois:
Jim Sinclair's Commentary
Greece is nothing compared to the 33 states of the USA charging at 200mph towards a stone wall of bankruptcy.
Nearly Bankrupt Illinois Forced To Pay Through The Nose To Borrow Money
Joe Weisenthal | Jun. 18, 2010, 9:02 AM
The market has lost confidence in Illinois, a state which has now adopted its own IOU system.
Illinois sold $300 million of Build America Bonds at a yield premium over Treasuries about 40 percent higher than two months ago after lawmakers failed to close a $13 billion budget deficit for the year starting July 1.
The fifth most-populous U.S. state sold the taxable debt maturing in 2035 priced to yield 7.1 percent yesterday, or 297 basis points over the 2040 Treasury to which it was benchmarked, according to data compiled by Bloomberg. Illinois offered Build Americas of similar maturity at spreads of 205 basis points and 210 basis points in two April issues, Bloomberg data show. A basis point is 0.01 percentage point.
I promised you a lot of reading and thus I hope I did not break my promise to you. To all the fathers out there, I wish you all
a happy fathers day. Please enjoy your special weekend.
(If some of the articles did not format properly on my blog, I am provided all the necessary links to the various sites.)


text:
Start learning with our library of video tutorials taught by experts. Get started
Create datacentric apps for Android devices, using SQLite, Java, and the built-in android.database packages from the Android SDK.
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subset: commoncrawl


text:
Item in stock
Standard Delivery
Click & Collect
Men's black round dial watch
Item No.0610108328
This Sekonda men's watch has a Round case with a black dial and date feature. It has a black leather strap and is guaranteed for 2 years.
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- Model reference: 3346.28
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- Dial shape: round
- Case dimensions: 38mm x 5mm
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text:
Becca commented on the blog post HRC's "Export of Hate" report is stunning, truthful expose of international homophobia
We ran a series on this over on Americablog last year. Glad to see HRC is finally paying attention.
Becca commented on the diary post Sunday Food: Pickles by Ruth Calvo.
Although the picture shows it, the dill pickle list leaves off one of the most tasty alternatives: Home canned (in jars) pickles. And they're dead easy to make, if you have basic home canning equipment. In fact, this year, my spouse and I have made more than 40 pint jars of delicious, crispy dill pickles. [...]
Becca commented on the blog post Court: Releasing Images of Guantanamo Prisoner Would Incite Violence, Especially Since He Was Tortured
So… evidence of war crimes, crimes against humanity, and torture in direct and manifest violation of international law would incite violence.
Gee, y'know, maybe it wouldn't incite violence… oh, if maybe the perpetrators and those who ordered it were called to justice before a court of law?
It's like saying, "We can't release this evidence of an act of mass murder because people will be upset we never bothered to prosecute the crime."
Becca commented on the diary post Pull Up a Chair: Game Night by Elliott.
"Settlers of Catan."
It's not new, having been around since 1995, but it's one of the more enjoyable board games out there.
Becca commented on the blog post Americans Support Government Not Paying Ransom for People Kidnapped by Militants
Slightly corrected title: "Americans Support Government Not Paying Ransom for People Kidnapped by Militants…Until It's a Friend, Family Member, or Loved One."
It's worth remembering that the American culture and psyche has, in recent years, been characterized by an increasing degree of empathic atrophy and tribalism.
Becca commented on the blog post Comcast 'Call From Hell' Was Standard Procedure According To Leaked Company Memo
I see. So Comcast's definition of "utmost respect" is "belittle, patronize, berate, lie about service capabilities, treat with contempt and nag relentlessly." Oh and "absolutely refuse to do as the customer asks."
Becca commented on the blog post Should the Health Care Exchanges Just Automatically Assign Everyone a Plan?
Yes, I read the post, but what you wrote — and the title of the post itself — implied "ASSIGN" a plan rather than "RECOMMEND."
Becca commented on the blog post Should the Health Care Exchanges Just Automatically Assign Everyone a Plan?
Automatically recommend a plan would probably be a good thing. In fact, I think this would be a great thing.
Automatically assign a plan? Are you insane?
I personally am a 'single payer / universal insurance for all' advocate. But having the HCEs do an automatic assignment just takes an already bad problem — private insurance companies receiving profit subsidies from taxpayers — and removes the one thing that makes it barely tolerable. That is, being able to choose a plan and, in most markets, which carrier.
What if you've had nothing but horrible experiences with BCBS and want to choose an alternative, even if the other plan on paper doesn't seem as ideal according to the HCE's dictatorial algorithms?
It's be like the gov't saying, "We know you might've chosen AT&T or Sprint or Verizon or one of these other companies as your phone company, but we've decided you have to take Comcast phone service. And you don't get to choose which level of service or features, we've already decided that."
The ACA was already a GOP / Insurance Company plan to begin with. Removing what little choice remains just completes its conversion into a monopoly machine.
Becca commented on the blog post Plan to Split California into Six States Might Make the Ballot
In short: Tim Draper looks to waste millions of dollars of California taxpayer money on a ballot measure that (1) would not pass and (2) would have no effect whatsoever unless Congress voted to break up the state, which would also never happen.
The chances aren't just remote. They're virtually nil.
Draper's intentions are clear though. He thinks he can turn Silicon Valley into America's largest gated community, and to hell with the rest of the state.
Becca commented on the blog post Animal Rights Activists Who Freed Minks Are Indicted on Federal Terrorism Charges
Tea Bagger wingnuts at the Bundy ranch openly target Federal and State law enforcement with weaponry and say the goal is to have a violent revolution. Not terrorism.
Some animal rights activists engage in property destruction and vandalism, with no physical harm or threats made to anyone. Terrorism.
Oh fer f*ck's sake…
Becca commented on the blog post Blackwater Founder Erik Prince To Advise Chinese Firms In Africa
Why is it I have no doubt at all that Erik Prince's advice will consist of:
- Be heavily armed at all times.
- When in doubt or even if bored, always shoot to kill so there are no pesky witnesses.
- Terrify the locals, then hire PR firms like Prince's to make up slogans that say the opposite.
- Pay Erik Prince millions and millions of dollars for this advice.
Becca commented on the blog post Opioid Pain Reliever Prescription Rates Lower in Medical Marijuana States
I'll say this much: If I could get medical MJ for my migraines, I could clear off my prescription shelf — get rid of all those meds that only work occasionally — and have nothing but a bottle of ibuprofen.
But I can't, and so there are those prescription bottles, all in a row, and complicated instructions as to when I should and can take them. "This one if you think you're getting a migraine, but don't have it yet. That one if it's started but isn't too bad yet. This other one if you have a bad one, but it's contraindicated if you've taken the first 'scrip. This other if it's really, really bad, but you can't take it if you've taken any of the other three…"
Becca commented on the diary post HillBilly on the Same Page as Prohibitionist-in-Chief by patrick devlin.
Add 'migraines and cluster-headaches' to that list…
Becca commented on the blog post Facebook And BuzzFeed Violating User Privacy
It's one thing to collect willingly shared information…what Buzzfeed was doing is sleazy as all hell, but what do we expect from that cesspit of click-bait, barely disguised advertising, side-boob salaciousness, and thinly disguised marketing data collecting pretending to be silly quizzes?
By experimenting on its users without consent however, Facebook crossed a line. This isn't presenting two versions of a web page to randomly selected users to see which people seem to like better. Or testing two commercials.
Facebook engaged in psychological manipulation, attempting to influence the emotional mood of tens of thousands of users. This is a breach of ethics…and yet another reason why I myself no longer use FB.
Becca commented on the diary post Saturday Art: Influential Authors: Allen Drury by dakine01.
I found Drury's early work to be quite interesting, when it came to his last two in the general 'Advise & Consent' world, it was clear he had nothing but utter contempt for progressives and liberals. 'Preserve and Protect' posits an almost split ticket — a hard-nosed somewhat militaristic presidential candidate, Orrin Knox, paired basically [...]
Becca commented on the blog post Minnesota's New Medical Marijuana Law May Suck, But Could Improve Over Time
Sadly, they never seem to add "chronic migraines" to the list…
Becca commented on the diary post SNAFUkushima: Updating Meltdowns by williamboardman.
Is this how we are now, we humans? We no longer even acknowledge the reality of a regional, national, or world catastrophe?
Becca commented on the blog post Why Snowden Won't, As Kerry Jingoistically Put It, 'Man Up' & 'Trust the American Justice System'
Snowden was an employee working for a security subcontractor, Booz-Hamilton. He took no 'oath'. That's one of Kerry's more obvious lies.
Snowden was in transit through Moscow because that was the only route available, after the U.S. pressured Hong Kong not to let him stay. The passport revocation did not happen because Snowden repudiated his U.S. citizenship — it was indeed the State Department that did it.
In the 1970s, a whistleblower and leaker could count on a reasonably fair trial. Now? Drake. Kiriakou. Manning. Especially in this last case, our gov't has shown a willingness to torture its security prisoners through harsh and degrading conditions and solitary confinement.
When it comes to national security matters, America's so-called "justice" system is a joke. How the hell could he even expect a fair trial if he's not allowed to present evidence, not allowed to argue that his motives were to uncover illegal crimes on the part of our government, and if politicians all the way up to the White House — including Kerry — have already (and erroneously, by the Constitutional definition of such) declared him guilty of treason?
And volunteering or not for torture and to be thrown into a black hole for the rest of one's life does not make Snowden's revelations any less important.
He's not the story. The NSA is.
Becca commented on the diary post Pull Up a Chair by Elliott.
How do I cheer up people? 1. Advise them if they are watching news on TV or reading it on the Internet to stop. Go on a news hiatus. Few things are more depressing than reading or seeing constantly horrible situations about which you can't do anything. 2. Do manual labor-type things for yourself. It's [...]
Becca commented on the blog post Mozilla CEO Steps Down Amid OkCupid Led Backlash to Anti-Gay Marriage Views
OkCupid's opposition was important, sure — but there was much more at play in all this.
First of all, members of the Mozilla board had already resigned in protest of Eich's hire/promotion. Employees and open-source partners were in almost open insurrection.
Eich didn't help himself at all in the defensive, self-excusing interviews he gave.
But the other thing that was happening just this week is Eich's previous political donations were becoming known. Information available, by the way, in public databases and sites such as the FEC.
The Guardian, for instance, learned that Eich had made donations to both Pat Buchanan and Ron Paul in the 1990s. More recently — and as recently as 2010 — he was still donating to GOP politicians who ran on anti-gay platforms, including Linda Smith and Tom McClintock. In fact, although Eich was no high-roller in the political donors world, according to the information dug up so far, he gave to nobody but the farthest right and most radically conservative of GOP politicos. Against this backdrop, a donation in favor of Prop 8 is just one of an existing pattern.
When asked by the Guardian's reporter why he donated to Pat Buchanan's 1992 presidential campaign, Eich refused to answer.
Those are the kinds of questions that don't just stop being asked.
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text:
Applies to: Office 365 for professionals and small businesses, Office 365 for enterprises, Live@edu
Topic Last Modified: 2010-04-16
You can assign an Exchange ActiveSync device policy to a user mailbox to manage how the user synchronizes their mobile devices to Microsoft Exchange.
Note Users are automatically assigned to the Default policy unless you explicitly assign a different device policy to the user mailbox.
Select Manage My Organization > Users & Groups > Mailboxes.
In the Mailboxes list, select a user, and then click Details.
Under Phone & Voice Features, select Exchange ActiveSync, and then click Edit.
Click Browse next to Exchange ActiveSync device policy.
Under Name, select the policy you want. A summary of policy settings appears in the details pane.
Click OK to assign the policy to the user mailbox.


text:
like all forums i visit, it's just a way to pass time at work, meet up with some locals, share pictures, share stories and share a passion for everything Challenger.....
Hell Litos, for all the time you spend on CT, your time actually working from your "cubicle" likely amounts to zero, zilch, nada! What a gig!
lol - cubicle life has been nothing short of a blessing.
living life quite comfortably in the oil/gas business.
i've actually been recognized by client upper managment on my performance in the last 4 months.
saving the company millions on top of millions of dollars in oil well start-ups and such.
hoping to get something awesome for it when the new year comes around.
my dial at work is typically set at 8.5, but since September it's been fully pegged at 10 - i'm thinking it's going tp pay off just fine
Litos, if you are 1/2 as rambunctious and energetic at work as you are here at CT, then your outfit is certainly well ahead.
Merry Christmas my friend!
In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


text:
…i don't even :/ ugh
You want to know what's really sad? I know this person is from Baltimore because of the way that they write and their penmanship. Half of the people who live here all have the same handwriting because a huge percent of the population here are dyslexic. It's just sad.
(Source: wearethe99percent, via foggy-figures)


text:
High Line is happy to announce our 2014 Open Gyms and Tryout times.
10/12 8am-11am 14s&15s
10/19 8am-11am 15s&16s
10/26 8am-11am 16s&17s
11/2 8am-11am 14s&15s
Tryouts 11/9 14 & Under 8am-11am (Registration 730am)
Tryouts 11/16 15,16,17 8am-11am (Registration 730am)
Congratulations to Kelly Schanes for winning our free entry.
She registered early, follows us on Facebook and follows us on Twitter!
Connect with us on Facebook, follow us on Twitter and register for tryouts and High LIne MAY award one more free entry!
Tryout registration is now open. To get the lowest cost (and help us organize!), we offer significant discounts for earlier registrations.
High Line is happy to announce that we will be back in 2014-15 club season. Founder and former club director Doug Blystone is turning over the reigns to long time friend and colleague Mike Nguyen for the 2014-15 campaign. "I'm excited to be teaming up with Mike again. Mike was the right hand man of the club since he joined the club back in 2006. He brings
High Line will be offering teams at the following age groups in 2014.
Those age groups are:
If you have any questions, do contact us at firstname.lastname@example.com
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Outback Steakhouse in Bloomington starts fresh every day to create the flavors that our mates crave. Best known for grilled steaks, chicken and seafood, Outback also offers a wide variety of crisp salads and freshly made soups and sides. New creations and grilled classics are made from scratch daily using only the highest quality ingredients.
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text:
i'm unable to complete a session in either one of these modules despite what looks to be a good connection the whole time. it gives me an error message that says something like: 'connection was poor for too long' pretty consistently at about 20-30 seconds into it.
also, there is no keyboard in either of the xwave apps, so unable to sign in. but i see someone replied in another thread that is a known issue.
what do the 'a' and 'm' mean at the top of the screen and is '0' an optimum number for each?


text:
Finally got contact lens solution so i can wear my circle lenses!
Also, I dyed half my head purple :3
What do you guys think?
Gwyn <3
Reading "Walking your Octopus" in Nightmare Rising.
Peppermint Fox made an appearance in the Kawaii Fashion Show at Matsuri in Sydney this past weekend. Both models styled their own outfits, and braved the sun and heat. We couldn't be more pleased with how cute they looked!
Wearing OOAK Rouge Aerie Designs' Carouskel. We hope to have a reworked Carouskel put out in 2014 - both JSK and OP.
One Day in Paradise is taking reservations for BABY THE STARS SHINE BRIGHT Doll Coronet Aria series.
- Both international and Australian customers are welcome to place orders.
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★ You can go to the ODIP Australia site using the Aussie flag at the top of the page!
★ You can sign up for the newsletter on the site
And some extra information…
★ You will see ODIP at numerous conventions in the United States in 2014. If you want ODIP to come to your convention, please email email@example.com ~ a full list will be available soon.
★ If you are a designer and are interested in stocking your items as part of the ODIP booth throughout the country, please email your interest - it would be great to hear from you!
If you have any questions, please email firstname.lastname@example.com
Sleipnir JSK - This time around it's happening!
Reserve opens December 7 at http://ergi.se
Sizes EU 34 to 44, AU/UK 6-16, US 2-12
SLEIPNIR IS COMING… and reservations are being taken by Ergi!
Apparently I look like a penguin.
Cloak: Atelier Boz - BZM2341 Gregory mini
Gilet: Atelier Boz - BZM2275 Midion
Shirt: Atelier Boz - BZM7399 Oife
Jabot: Atelier Boz - BZM7399 Oife
Trousers: Atelier Boz - BZM5183 Notus
yOU HAVE THE CAPE
The entire reason why I wanted to buy these drawers #socks


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Julie Bryan Joins Allen Trust Company
MBA alum Julie Bryan joined Allen Trust Company as portfolio manager in July 2014.
48 quarter credits for major
Principles of Sustainability
Strategic Leadership for Sustainable Management
Resource Economics
Managerial & Environmental Accounting
Finance & Sustainability
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Research Methods for Sustainable Business
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Concentration Courses - 12 credits
Environmental Law: Renewable Energy
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Food Systems & Sustainability
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Urban Planning Fundamentals
Sustainable Community Development
Technology, Law & Society
Using IT in Sustainable Business
Greening the IT Sector
Capstone Course - 4 credits
Integrative Capstone Project
Please see current Marylhurst University catalog for complete information.
MBA alum Julie Bryan joined Allen Trust Company as portfolio manager in July 2014.
Need to raise your business acumen level? Have employees who need to learn management and leadership skills to drive change in the organization? Th...
Monthly business meeting. Visitors welcome to attend. Agenda items may be submitted to the Advisory Council prior to the meeting. The Council's mi...
Learn about Marylhurst's graduate degree programs. MA - Applied Pastoral Theology. MA - Art Therapy Counseling. MA - Interdisciplinary Studies. MA...
Take the next step toward your sustainable business degree.
Need more information about Marylhurst and our programs?


text:
Washington, DCUSA 20001
February 7, 2012
No answer yet
No answer yet
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No introduction yet
Welcome/Benvenuta Ina to the Unique PIAZZA ITALIA - Washington, DC Italian Language & CULTURE Group, a MULTI-ETHNIC, NON-PROFIT Social Networking Club, the BEST + ONLY ONE in DC founded by a "NATIVE" Italian language speaker where BOTH ITALIAN + ENGLISH languages are utilized. Looking forward to meeting you at our WEEKLY FREE & FUN Italian events soon! Grazie mille for your membership in PIAZZA ITALIA e CIAO. Anthony Galizia, Group Founder/President http://www.meetup.com/dcitalian
Welcome to the group Ina!
Welcome to the DC Flower Safari - hope to see you at one of our meetups soon
Meetup members, Log in
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text:
NEW YORK (AP) — New York state Sen. Malcolm Smith may be under indictment, but he says that's not going to stop him from running for re-election.
The Queens Democrat announced this week that he is running for another term this year.
Smith was charged last spring with plotting to bribe Republican Party county chairmen into giving him a spot on New York City's mayoral ballot.
Five other politicians were also charged in the case.
Smith didn't quit the Senate when he was indicted, and he says he's innocent of the charges. A trial date hasn't yet been set.
At least two Democrats have announced an intention to run for his seat.
Smith spokeswoman Ann Marie Costella said the senator will fight to keep his job, based on a "solid record of progressive accomplishments."


text:
Share your comments
One dead preacher
Lindsay, Tony
Adult Fiction LINDSAY
Lindsay, Tony
Adult Fiction LINDSAY
Summary: Security firm CEO David Price is living the rewards of hard work and determination. Single, self-employed and satisfied with his life, he has it all. Things couldn't be better; that is, until he meets sexy vixen Sugar Greer, a married woman with a dark history. When it's all over, David and his client are left with blood on their hands. Caught in a web of abuse, theft and murder, David must get back on the streets to clear his name. It's a journey that will lead him to one dead preacher...
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Lois Parshley: On the Front Lines of Wisconsin's Big Money Small Town War »
"I want to fight someone, but there's no one to fight," he said. "There's just mountains."
Vice || June 10, 2014
This site highlights the work of journalists who happen to be women. It is maintained by Ann Friedman. Share these links, hire and promote these writers, and help close the byline gender gap. Follow us on Twitter.
"I want to fight someone, but there's no one to fight," he said. "There's just mountains."
Vice || June 10, 2014
All over the world, workers are paid pennies to do menial online tasks in a largely unregulated, multimillion-dollar industry. Welcome to the Internet's factory floor.
East Bay Express || August 1, 2012
We need to tell the Africa story differently.
The Boston Review || August 2, 2012
On chronic pain, illness, and the way they can rewrite our lives.
Vela Mag || September 18, 2012
A look at the real life consequences of cutting government "waste" - in this case, an effort to help people improve their money skills.
The Alicia Patterson Foundation || October 4, 2012
A young man, depressed, desperate. In the North, it's too common. But the death of Julian Tologanak-Labrie was anything but.
Up Here || October 2012
Wait, aren't kings usually men? Clearly, Peggielene Bartels isn't your average monarch.
A young girl's part in a horrible murder.
Cincinnati Magazine || October 2012
On growing up in a tourist town.
Vela mag || May 22, 2012
We called him Eat Pray Paul. Because there were two Pauls and they were more or less indistinguishable — both red-faced old dudes who'd been kicking out Cambodia for years.
Vela magazine || June 25, 2012


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I'm putting this blog on permanent hiatus.
For now there will be no more updates, as I begin my other blog, which will be 100% anonymous.
I no longer can post on this blog without backlash, unfortunately.
As my life is making changes, I need a place where I can write freely.
If you would like to read and continue with me on my journey on my new blog please email me privately at firstname.lastname@example.com and I will send you the link.
Thank you so much for being a loyal reader. It's been a good run.


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Statement, Interview & Resume
I am fascinated by perseverance and find this primordial instinct and necessity of life to be both noble and suspect, especially when the path is perilous and end bodes to be bleak.
My work explores the sublimity of existence through a post-apocalyptic environment emblematic of death, disaster, and desolation, without abandoning subtle indications of hope and beauty. The imagery and subject matter depicted allows for an open-ended inquiry into the bewildering human condition, and may address an extensive range of contemporary issues.
The paintings I create contain images that come from multiple direct and indirect visual sources, which are conflated, recontextualized, altered, and translated into paint through a long studio process that often takes months to complete. Inspiration is found in a profusion of life experiences and references that include but are not limited to observation, imagination, memory, subconscious thought, happenstance, literature, periodicals, film, art history, and the web. Intrigued and mystified by consciousness, purpose, and delusion, I seek out the metaphorical gray in paint and am delighted when my images raise open-ended questions that are subject to interpretation.
I take refuge in the power and versatility of oil paint and have deep respect and appreciation for its immediacy, history, and transformative visual capabilities. I use traditional painting techniques where a dark and rich color palette creates the subdued tones and distressed atmosphere associated with destruction, while bright cautionary cadmiums break through the darkness to present an alarming beauty.
In which direction does the road lie? We seek answers to the many questions of life and are seldom pacified. As conscious beings we have emerged from infinite mystery, and into mystery we'll return. In the end we may find that mystery is all there is. Until then, may these paintings be an enduring reminder of the end as we peregrinate.
Interview by Miranda Anderson
1. Can you tell me a little about what made you decide to be an artist?
I don't remember making a choice. In my life making art and being were inseparable. I think if a choice was made, it was that I decided to not be something else. I put all effort into my practice and was supported by family, friends, teachers, and patrons, which made the artist lifestyle seem possible.
2. Are there any artists who inspired your work growing up or who inspire your current work?
In the small isolated town that I grew up in there wasn't a lot of emphasis on art. Most art was found in taxidermy or a wildlife print. I remember using imagination a lot and this lead to artistic creation, which found shape in pictures of jets and exploding bombs. I found inspiration for making paintings in the large murals that high school students painted for hallways. When I was in high school I learned a little about the history of art, visited art museums and really appreciated the works of Edward Hopper, Vincent van Gogh, and Andrew Wyeth. Later I discovered the works of Francisco Goya, Thomas Eakins, Winslow Homer, Anselm Kiefer, and Odd Nerdrum. As time has passed, I've come to appreciate a broad spectrum of artists and am continuously finding inspiration in the works of others.
3. I notice in your artist statement and in viewing your paintings that they deal with some ambiguous or mysterious concepts such as consciousness, death and purpose- what it is that interests you about these ideas?
I'm interested in the human condition and these concepts seem appropriate. From what I understand, we are the only species that is aware of the inevitability of our own death and can imagine a world where we don't exist. I'm fascinated by what people are capable of when pushed to extremes and are confronted with a disastrous environment. I find that purpose and the pursuit of hope in a hopeless world is tragically beautiful and ennobling.
4. Can you describe what your work process is like?
I often start with concepts for paintings that I write down in a sketchbook. They are usually very vague descriptions sometimes coupled with a very simple thumbnail sketch. Then I look for models and reference materials that will aid in my development of the painting. I conflate imagery from multiple sources and start on a composition. The studio process is quite intensive taking months to complete a single painting, though I'm often working on several at a time. During this time the images found within a picture change. Some are lost in the layers, some surface, while others persist. Each work evolves as I grow in understanding it. I know a work is finished when it doesn't ask anymore from me. Then I move on. As time passes I often feel I don't know it anymore.
5. What is the best piece of advice you have received as an artist? Do you have any advice for students who are looking to be a professional artist?
The best advice I received was to make sure that I always keep up my practice. Never stop.
My advice for students who are looking to be a professional artist is to go for it and have no regrets. Realize that art is a lifestyle. It is not a hobby, a job, or a career. You have to make art your life. It's been an extraordinarily gratifying and fascinating way to live life.
2007 - M.F.A. - Painting - University of WI - Madison
2006 - M.A. - Painting - University of WI - Madison
2003 - B.F.A. - Painting and Graphic Communications - University of WI - Oshkosh
2013 - Second Place in the Category of 2-D - CVG Show 2013 - Selected by Alfredo
Arreguin - Collective Visions Gallery - Bremerton, WA
2012 - Faculty Stipend Award - Development of New Paintings - Selected by the Faculty
Stipend Committee - Peninsula College - Port Angeles, WA
2009 - Best Artwork - 2009 Issue of Crosscurrents - Selected by the Washington
2005 - Edith L Gilbertson Scholarship - "Advancing the Field of Art" - Selected by the UW
Department of Art - Madison, WI
2003 - Best of 2-D - UWO Honors Exhibition - Allen Priebe Gallery - Oshkosh, WI
2013 - The Present End - Laura Russo Gallery - Portland, OR
2010 - The Salvaged - Lower Columbia College Art Gallery - Longview, WA
2009 - The Salvaged - Port Angeles Fine Arts Center - Port Angeles, WA
2008 - One from Wisconsin - Museum of Wisconsin Art - West Bend, WI
2007 - The Salvaged - Porter Butts Gallery - University of WI - Madison, WI
2013 - First Light - Bainbridge Island Museum of Art - Rachel Feferman Gallery -
Bainbridge Island, WA
2012 - Expressions West - Coos Art Museum - Coos Bay, OR
2010 - Back to New York - HP Garcia Gallery - New York, NY
2010 - Referencing the Past - Seattle Art Museum Gallery - Seattle, WA
2008 - Winter Group Salon - Denise Bibro Fine Art Gallery - New York, NY
2008 - Current - Associate Professor of Art - Painting, Drawing, Art History - Peninsula
College - Port Angeles, WA
2008 - Lecturer - Painting, Illustration, Introduction to Studio (2-D) - Carthage College -
Kenosha, WI
2008 - Assistant Professor - Illustration - Herzing College - Madison, WI
2007 - 2008 - Lecturer - Intro to Painting, Plein-Air Painting - University of Wisconsin -
Madison, WI
2007 - 2008 - Lecturer - Drawing and Composition, 2-D and 3-D Design - Carroll
University - Waukesha, WI
2013 - Art Access -Viva BIMA! - Kathy Cain - Vol. 22, No. 3 - July/August/September 2013
2013 - Preview - Vignettes - Preview Graphics Inc. - Selected by Allyn Cantor -
Vol. 27, No.1 - February/March 2013
2013 - Studio Visit Magazine - The Open Studios Press - Selected by Jonathan Greene -
Vol. 20 - Winter 2013
2012 - Studio Visit Magazine - The Open Studios Press - Selected by Trevor Richardson -
Vol. 17 - Spring 2012
2011 - Studio Visit Magazine - The Open Studios Press - Selected by Ian Berry - Vol. 15 -
Fall 2011
2013 - The Seattle Times - Bainbridge's new art museum: eclectic selection for every taste
- The Arts - Essay by Michael Upchurch - August 2013
2011 - The Peninsula Daily News - 25! A Silver Milestone - Peninsula Spotlight - Essay by
Diane Urbani de la Paz - October 2011
2011 - Saatchi Online Magazine - Walking the Line Between Elegant and Eccentric - Art
News - August 2011
2010 - The Badger Herald - Wisconsin Native Refuses to Paint by Society's Numbers -
Essay by Francis Bea - March 2010
2009 - Sequim Gazette - Young Artist with Strong Style - January 2009
2013 - Juror - Art Convergence - Port Angeles Fine Arts Center - Port Angeles, WA
2012 - Judge - Bliss: The Art of Love - The Landing Gallery - Port Angeles, WA
2010 - Current - Member of the PAFAC Board of Directors - Port Angeles, WA
2009 - Current - Director - PUB Galley of Art - Peninsula College - Port Angeles, WA
2009 - Judge - Small Expressions VIII - Northwind Arts Center - Port Townsend, WA
Michael Paul Miller, The Calling, 60x84, oil on canvas, 2007
Michael Paul Miller


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The House
BREAKFAST BY THE BEACH The smell of sizzling bacon and freshly brewed coffee. Homemade bread with lashings of butter. All to the sound of the sea lapping the beach and seagulls crying overhead. You can enjoy all this from the comfort of the Pebbles conservatory overlooking the garden just feet away from the beach.
BUDLEIGH BEACH is famous for its mile long stretch of pebbles which have been eroded over thousands of years from the red sandstone cliffs which overlook the town. Because of its nature and, unlike itsneighbour Exmouth, Budleigh beach remains uncrowded except on the very warmest of summer days and caters for those looking for less rather than more activity!


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Add a refreshing splash of green with this delicate pendant. Sparkling in Antique Green crystal, it showcases an exclusive, balloon-shaped cut. The pendant comes on a rhodium-plated chain.
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text:
Claire & Jeffrey's Kitchen:
Taking Care of the Basics
Renovation Diary
Jeffrey tests the brackets he's attached to the studs for the future wood slab floating shelf.Claire & Jeffrey
Type of Project: Kitchen remodel
Location: Minneapolis, Minnesota
Type of building: Single-family bungalow, 950 square feet
The Renovation Diaries are a new collaboration with our community in which we feature your step by step renovation progress and provide monetary support towards getting it done in style.
This week we wait for all the boring, not-visually-transformative stuff to be resolved. Electric, plumbing, heating. It's hard on me because I want to see more "progress". This is progress, yes, but I don't understand how it all works and there's nothing I can do to help, so I'm not jumping for joy.
As we kind of quietly anticipated, there is much more electric work that needs to be done. To meet code and to ensure safety and peace of mind, we'll need to route many new circuits and move a few of the existing ones. In these old, turn of the century homes, it's not unusual to find many rooms connected to the same, singular circuit. That's the reason you can't run a hair dryer and own a refrigerator at the same time. Ha!
So, we bite the bullet. Accept the inevitable. We'll invest the time and money to do this right while the walls are open.
Meanwhile, Jeffrey has figured out how the floating shelf will float. He's installed two heavy duty L-brackets, back-to-back, to form a T on each stud. Fasteners will prevent the T's from bending as weight is applied. He's tested it with 200 lbs. (himself, spanned across a board). No problem! Once we pick out a wood slab that we love (I'm thinking 2" thick walnut, but I'm sure by the time we get there, budget will dictate), we'll route out channels along the underside to allow the hardware coming out from the wall to rest flush, so it will be hardly noticeable.
We also found a great, affordable source for under cabinet lighting! We'll run a strip of LED tape along a routed-out channel under the floating shelf. We may have to play a bit to make sure the light diffuses nicely and doesn't look too rope light-y, but we'll cross that bridge when we come to it. Since we're installing many new circuits, we've accommodated a hidden plug-in for the lighting.
For about $60, we're able to span the 8 foot length of countertop. Sweet. Check out the resource at Inspired LED.
Estimated time for project: 4-8 weeks
Time remaining: 2-3 weeks
(Images and diary text: Claire Moyle)
More posts in this series
Renovation Diary: Claire & Jeffrey's Kitchen
6 Comments
My parents put in those LED strips and are pleased. They had to go back and put in a second strip, but they had plenty so it was no big deal.
Haha! What a cutie! Keep up the progress!
RE: the budget and the walnut shelf.
Check out Bauer Brothers Salvage in MInneapolis. They have some fantastic salvaged wood in lovely thick 3 or 4 or 5 inch slabs, even. The wood is outside at the back, iirc, but you can ask. My daughter and her husband made an incredibly beautiful table with a couple of slabs of this wood.
It may need a bit of work, but you're clearly up to the task.
Thanks for the tip, Dulcibella! We love BB, but I didn't realize they sold salvaged wood. Awesome. i love this idea.
Get the 2" walnut shelf. Do what you love. it will be the focalpoint of yourkitchen.That's what they make Ramen for....
We could really use a better illustration of the brackets and how they are attatched, as well, how exactly does on drywall over the bracket? I cannot figure it out from your description, or the less than helpful but very cute picture of Jeffrey splayed across the brackets... A close-up of the brackets before drywall? Anything!?!?


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What I've been listening to while I work: Round 01This was a little something I put up on my tumblr not too long ago. I want to share it here, too Anyhow, I used to be a Zune subscriber, then I left WP7 (dissatisfied with lack of platform growth) to go back to Android with the new EVO LTE. So, now I'm an Rdio subscriber. I really like these music subscription services. I have a number of computers/devices, so I find this an extremely easy way to keep the same library of music automatically synced across all. So, here's some of what's been on my heavy listening rotation recently while I work:#1: Jim NoirAbout two months or so ago, I remembered the track "My Patch" he did which was included in LittleBigPlanet. After looking it up, seeing how it was the first track of his first album, how couldn't I listen to the rest? Since then, he's quickly risen to my most listened music in my collection for some time now, probably second to M83. Worthwhile samples if you're not f
My class: 'Illustrating with Dimension' IS READYHey everyone! I listened to some of your input, and my SkillShare class "Creating Illustrations with Dimension" is posted and ready for early enrollments! I'm still working on the classes video content right now, and it's slated for a mid-January release. Click below to check it out!This class is going to be more than just a regular tutorial on perspective. Aside from going over everything you'd need to know about perspective, It's also going to have quite a few recorded demonstrations of drawing scenes and commentary about best practices and considerations in different situations. I'm making the videos as high quality as I can, complete even with well designed animated explanations! I've also grown quite a bit as an artist over the last 5 years since I wrote that brief tutorial here in my gallery. There's a lot I couldn't include to begin with due to size limitations, and I have so much more to say now! These video lessons will be a
On Art Schools + Art Style: A response to EndlingEndling posted this [click here] answer to a questioned by one of his followers on Tumblr.It pertains to how his art school and supporters treated/reacted to his particular art style in an academic and professional setting. Give that a read first then come back here.I posted a response to it that I also wanted to share on my DeviantART. (If you're getting tired of me ranting about my experience at school, sorry, but this stuff means a LOT to me. I want to try to inform other people of what my time was like there so that if YOU go, you're all the wiser.) Response was as follows:This is partially one of my problems with art schools at this point in time. They're ridiculously expensive, and because of the rapid change in art/media industry and culture, fall into generally one of these two categories:1) They typically have instructors who are remnants of doing their bes
The Road To Creating Your Own IP - P.4Part 1, The Next Three Years Of My Life: http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-1-354518946#commentsPart 2, Sell That Damn Book, Danny: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-2-354730628Part 3, I Was Not Ready For This: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-3-354860965Part 4:OBJECTIVE: CHARACTER DEVELOPMENT AND STORY BUILDINGI began working pretty heavily on LMS during the first quarter of 2009. I had now a handful of characters, a rough idea of the story, and a general scope of what I wanted the book to be. To get started, I felt every book should have a theme. Movies do, right?Spider-Man: Great powers, great responsibility.Batman: Be more than just a man, a symbol, and be remembered a legend.Star Wars: The myth of a heroes destiny, and the truth that allows him to be set free.Who was Gabriel? What type of character or archetype was he? What were his rises and
The Road To Creating Your Own IP - P.3Part 1:http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-1-354518946#commentsPart 2:http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-2-354730628Part 3:I Was Not Ready For ThisOh shit.What did I just sign myself up for?I had never made, drawn, written, or created a book in my life, so this was all pretty foreign to me. I had told Heavy Metal publishing I'd do it on my own dime. Reason was, this was my project.Not that I can't cooperate or collaborate, but this time I wanted to create what I saw in my head, and not have a voice behind me telling me what to do and what not to do. Kevin Eastman, head of HM Pub, was incredibly generous in this decision and told me to lead the way, and I tried my damnest.So I started with the obvious fundamentals. What is the story of LMS?Now, as a whole, LMS's simple logline is incredibly simple. A man who gets framed for a crime he didn't commit, breaks out of prison and goes after those
Wacom Intous4 Pen Nibs Getting StuckHello Everyone,A few weeks ago I wore out my Intuos4 tablet pen nib to the point where I realized I could not remove it with tweezers and change it, THEN to make it worse, the more I tried to take it out with tweezers the shorter and shorter it got until it was impossible to grab onto it at all. This was incredibly infuriating as, for some reason, it took weeks for Wacom to get back to me (actually, they never got back to me the first time) and I ended up having to send another e-mail to them about this situation, in which they hastily responded this time around.After I finally got a response for this issue, I was presented with two options. Buy another pen ($50 dollars out of my pocket) or try pulling/pushing it out with a pin. Fortunately, pushing it out with a pin worked! But I am still disappointed that these were the only two options that I was presented with: give Wacom more money for their poorly designed tablet pen (which I hadn't even had for a year yet) or try to figure it
The Road To Creating Your Own IP - P.6Part 1, The Next Three Years Of My Life: http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-1-354518946#commentsPart 2, Sell That Damn Book, Danny: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-2-354730628Part 3, I Was Not Ready For This: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-3-354860965Part 4, Objective: Character and Story Building: http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-4-354965190PART 5, The Family: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-5-355097985PART 6:WAVES OF DOUBTI remember this one night I couldn't get anything to work with LMS. I couldn't draw, I couldn't write, I couldn't be creative. I felt trapped, sick to my stomach and had an ongoing feeling of anxiety.I would get up, walk around, and force ideas. Stupid, uncreative and rushed thoughts. I went upstairs and laid down next to my gf at the time,
The Road To Creating Your Own IP - P.5Part 1, The Next Three Years Of My Life: http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-1-354518946#commentsPart 2, Sell That Damn Book, Danny: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-2-354730628Part 3, I Was Not Ready For This: http://danluvisiart.deviantart.com/art/The-Road-To-Creating-Your-Own-IP-P-3-354860965Part 4, Objective: Character and Story Building: http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-4-354965190PART 5:THE FAMILYThe first thing I had to do was create a sample. What would the pages look like? What is a Killbook?In the story, before Gabriel breaks out of Level-9, he is introduced to an "Agent-O, a character that gives Gabriel the documents needed to begin this revenge quest. Inside of the documents are bios and information on all of the characters Gabriel will meet/team-up with/or kill.Well, I didn't just want to show boring documents, I wanted to add life
The Road To Creating Your Own IP - P.2Part 1, The Next Three Years Of My Life: http://danluvisiart.deviantart.com/journal/The-Road-To-Creating-Your-Own-IP-P-1-354518946#commentsPart 2:OBJECTIVE: SELL THIS DAMN BOOK, DANNY.At first, Gabriel was nothing more than a character named ONE. He had no backstory, no face, nothing. I just wanted to create a character that was a badass, yet with a sense of humor.I was inspired by such characters as Boba Fett, Wolverine, Deadpool and Clint Eastwood from The Man With No Name trilogy. I needed to create something that fit that build, however, I'll admit, it wasn't intended at first.I uploaded him on December 8th, 2008, (which, you can find here: http://danluvisiart.deviantart.com/art/GABRIEL-107612010?q=gallery%3Adanluvisiart%2F7848546&qo=50) and he became one of the most popular characters of the series, if not, the most. Soon I started finding him on forums, websites, fashion blogs (what?), and more.But what hit me so hard was that the majority of the comments rela
Can anyone help me with this? (iscribble/tablets)Yeeeeeeeeeeeeeeeah, so if you've ever used a site like iscribble or queeky or isketch, or any other drawing site like that, with a tablet, then maybe you can help me.LAG.MY TABLET LAAAAAGS on these sites.It's perfectly fine on ms paint or photoshop or painter, but as soon as I try to draw things online, it seems like it's laggy and won't draw smoothly unless I press and hold down the pen, which is not how a sketcher draws.Halp mee.
Letters and WordsLetter and Word PLZ accounts:Alphabets:iconletter-aplz::iconstencilaplz::iconletteraplz::iconrainbow-aplz::iconblue-aplz::iconpink-aplz::iconpurple-aplz::iconaqua-aplz::iconaplz::iconlettera-plz::iconstencilaplz:--Words:icontheplz::iconmoreplz::iconyouplz::iconknowplz::iconwasplz::iconnotplz::iconhereplz::iconimagination1plz::iconimagination2plz::iconimagination3plz::iconimagination4plz::iconimagination5plz:Founder::iconsanii-chan:Sanii-chan
You know what I hate the most about this place?The fact that whenever you get a tad more personal about something or someone, you're either called an attention whore or someone uses that against you at a later time.The fact that expressing your sadness or disappointment about your OWN artistic progress is just a way to get more people fondling your nuts.The fact that popularity counts too fucking much, making the main purpose of this community fade and eventually disappear.The fact that, no matter how much you try to be nice with everyone, there still are some fuckasses who ruin everything.The fact that IF you are too nice, you're called an opportunist or an ass-kisser.The fact that if you have an opinion or support a personal belief, you're called either opinionated or an infatuated, know-it-all bitch.The fact that EVERYTHING on deviantArt is ruled by fandoms.The fact that drawing fanart, even rarely, automatically makes you an attention whore and you're only seeking to become more popular.The fact that WANTING to become p
DA artists I'd love to someday meet / get to know:No this isn't a creeper journal at all!But really we all have artists we want to meet and someday get to know more, (either because of their work, about their work, or just because they seem like cool, chill people!)On DeviantART there are a number of people I'd love to have the opportunity to hang out with. And who'd that be?:iconbrosa: Brosa -- I look up to (Sergi) Brosa quite a bit. His imagery, his style, his coloring, his ideas, it's all so incredibly well done it floors me. (Want to know the way straight into my artist heart? It's amazing backgrounds and illustrations with narrative.) Plus I've always enjoyed the processes he shares.:iconalgenpfleger: algenpfleger -- I've personally nicknamed Hannes "the human raytracer" because of his incredible understanding of light and materials. I look up to his work for inspiration on realism. (but still manages to have this unique defining characteristic.
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