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For today's Common Good Forum, we feature Cardinal Óscar Andrés Rodríguez Maradiaga's keynote speech at the June 3rd forum Erroneous Autonomy: The Catholic Case Against Libertarianism, which was hosted by The Catholic University of America's Institute for Policy Research and Catholic Studies.
I would like to start quoting Michael Sean Winters's recent article in NCR:
"Last week, the Holy Father addressed leaders of United Nations who called on him in Rome. He gave a short talk, which included these words calling for 'the legitimate redistribution of economic benefits by the State.' Then, America's conservative chattering classes went ballistic. John Moody, executive vice president at Fox News and a former Vatican correspondent, might be expected from his time covering the Holy See to have rendered a nuanced appraisal of what Pope Francis said. Nah. The title of the piece -- and I know writers do not usually choose their own titles -- is: 'Pope Francis should stick to doctrine, stay away from economic 'redistribution.' Of course, Pope Francis was speaking from the social doctrine of the Church. The Church's teachings on social justice are as firmly rooted in our theological doctrines as are the teachings on any other issues."
And the following day he wrote: "Here comes Father Zuhlsdorf, who runs a popular conservative blog. 'I wonder how many people are still listening to him seriously on this issue,' opines Reverend Father. Not content to take a swipe at the Pope, he goes after a few cardinals, adding, 'I suspect other people might have the same reaction that I have when hearing/reading this stuff. It comes across as naive, out of step with history. Has any nation successfully dealt with poverty through redistribution? I don't think so. Moreover, who would supervise this process of global redistribution? Angels? EU bureaucrats? The UN? Card. Rodriguez Maradiaga? Card. Kasper?'."
As you see, the theme of today is very actual.
But instead of trying to quote all what we know about the Social Doctrine of the Church, I would like to make an analysis of the Pastoral Exhortation "Evangelii Gaudium" regarding our subject, because as it happens frequently, many people do not read the original texts and react from comments by others or fragments out of the context.
Very much in the spirit of the developments of the Church in Latin America after the Second Vatican Council, the Holy Father underlines the preferential option for the poor. "The poor are the privileged recipients of the Gospel"(48). Already at the 5th General Conference of the Latin American Bishops' Conferences in Aparecida, Brazil, where Cardinal Bergoglio was the President of the editorial committee, he said that the poor in the dominating neo- liberal economic system were superfluous, mere waste and rubbish. This statement of Cardinal Bergoglio was written down in the final document of Aparecida in 2007: "A globalization without solidarity has a negative impact on the poorest groups." It shows something quite new: social exclusion. This undermines the very root of "belonging to the society" when people are no longer only at the underclass, marginalized or without influence, but are cast out. These "outcasts" are not merely "exploited", they are considered "superfluous" and "human waste" (AP 65).
Quoting this seems important to me in order to understand the background of Pope Francis's view on the situation of the poor in today's asymmetric, distorted global economy.
Whereas the poorest 600 million of the world's population have to make a living with an average of 300 euros per annum, the other 600 million well-off people each on an average dispose of an annual income of 27,000 Euros. What a discrepancy and what great injustice ! And, not to forget what livelihood for the hungry, especially the children, is actually concealed behind those figures. Meanwhile in Germany e.g. there is one doctor for 266 persons, in Liberia for example there is one for 82,000. Notwithstanding the Millennium Development Goals the international community formulated with a view to 2015, the fact is that today still about 870 million people go hungry. Two billion of the world's population does not have access to life's essential medicine and one billion do not have sufficient and clean drinking water.
Generally, there is a growing inequality and polarization between the rich and the poor in many countries today. This holds true for developing countries, emerging countries as well as industrialized countries. It also goes for the United States and China. The gap between incomes today in the US is wider than 100 years ago. 0.01% of the richest in the US have an income as 50% of the poorest of the population. During the last 20 years the 5% richest in the US made a progress in their possessions like the 50% of the whole population (cf. Thomas Pogge, Yale University). The rich can, unlike the poor, profit from globalization. Increasing competition on the world market encourages this dynamic entailing a reduction of wages. The libertarianism de-regulation of the markets and financial market is much to the disadvantage of the poor (cf. Francois Bourguignon "Globalization of Inequality").
"This economy kills" (53) This in fact is the most provocative economy- critical statement of Pope Francis in Evangelii Gaudium. Certain economic circles in industrialized countries thereupon criticized in turn the Pope saying, "The Church despises the Rich." And they argue: Already from the Gospel and from the Acts of the Apostles, Christian Faith does not at all promote a positive attitude towards the market, towards competition, towards riches and luxury. The goods gathered on earth by the Christians meet with reservation. Wherever property is suspect, entrepreneurship and profit maximization cannot flourish. In this connection the Catholic Social Teaching and the social encyclicals of the late Popes were attacked. They would show a problematic concept of private property. Francis's view would be shaped by the difficult economic history in Argentina and by the post-Marxist theology of liberation. Francis would not recognize that poverty and inequality have been reduced thanks to market economy reforms. He would furthermore ignore that today, thanks to the successful growth of a capitalist economy, the number of people suffering from hunger and thirst is far smaller than some twenty years ago. The Pope would be naïve and unable to see that to overcome poverty, market economy and capitalism were absolute indispensable.
These are some of the essential arguments which libertarianism economic circles raised against EG of the Pope.
But let us ask what is Francis's concern in EG? Let us look at the text itself: In the numbers 52-59 he characterizes some of the challenges in today's world. An "Evangelization of joy" cannot just light-heartedly close its eyes to reality. In that case it would remain illusionary and would hardly benefit people in difficult situations. Evangelization in the meaning of the Pope therefore always asks for an analysis of the situation based on the Gospel; Francis does not ask for a neutral sociological analysis, but for an evangelical discernment: Discipleship and evangelization according to Francis means, taking the point of view of Jesus Christ and looking at the people's and the world's reality with His eyes. This goes for all areas of human day-to-day life and for all dimensions of evangelization.
Let us now take a closer look at how Francis views the present economic situation from the perspective of the Gospel. In the numbers 182-216 he details the practical consequences of the challenges.
"No to an economy of exclusion" (53). With this title Pope Francis already denotes the essential characteristic of today's economy, which he rejects. He ties in with the Ten Commandments. The commandment "You shall not kill" (Ex 20,13) defines a limit aimed at securing the value of human life. From this biblical view he says "no to an economy of exclusion and to inequality in income" (53). And Francis describes this in concrete terms very clearly: "How can it be that it is not a news item when an elderly homeless person dies of exposure, but it is news when the stock market loses two points? This is a case of exclusion." And I think each and any of you may know of similar fates from people in your country.
As a pastor in a very poor country I know how much of daily insecurity is connected with this situation of poverty- insecurity for the children in particular, but also big worries for mothers and fathers that do not know how to get drinking water, food, medical care or school education for their children. Global economy under the conditions of libertarianism excludes such people. Since their point of view a human being is a consumer. If she or he is incapable of consuming this type of economy does not need her of him, can do away with her or him. From this, Francis concludes: "It is no longer simply about exploitation and oppression, but something new. Exclusion ultimately has to do with what it means to be a part of the society in which we live; those excluded are no longer society's underclass or its fringes or its disenfranchised- they are no longer even a part of it. The excluded are not the "exploited" but waste, "rubbish" (53).
This diagnosis Cardinal Bergoglio already made in 2007 in Aparecida and he still considers it crucial for today so that he- as Pope- restates it in EG. Yes he even finds a stronger wording, because he sees that in this libertarian global economy, not the human being is at the center but profit and money. He speaks out a sharp prophetic verdict: "This economy kills" (53).
Francis analyzes the economy from the point of view of the poor which is in line with Jesus's perspective. He does not let himself be deceived by the trickle-down theory, which is based on the conviction that if the market is allowed to freely unfold itself this would favor general economic growth which at length is the way out of misery. As someone who lived with the poor, Francis rejects such theory, since facts speak another language and never ever have confirmed this (cf. 54). Taking the financial crisis of 2008 and the following years as an example, Francis points to the deep anthropological crisis which characterizes our time in that it "denies the pre-eminence of human beings."
The worship of the golden calf (Ex 32, 1-15) today is demonstrated by the idolatry of money and the dictatorship of an economy without a human face, lacking a real human purpose (cf.55). He denounces the unbridled greed for power and property as well as "ideologies that defend the absolute autonomy of the market and financial speculation" (cf. 56). This denies the state's right of control, whose intrinsic task is to protect the common good. The idolatry around the market concentrating on the increase of profit, disregards all that is weak and equally disregards environment (cf. 56). Money must serve, not rule (cf.58).
The Pope calls for ethics based on God and cares for a more humane social order. He quotes an old saying from Saint John Chrysostom: "Not to share one's own wealth with the poor is to steal from them and to take away their livelihood. It is not our own goods which we hold, but theirs" (57).
It may be that such words in particular have raised the criticism from certain economic circles of Francis being naïve. He clearly puts a finger in the wounds of unjust social order and the unbridled economic system. He speaks for instance of unfettered consumerism going along with social inequality, the arms race and corruption. He also clearly sees the mechanism that accuses the poor of violence. And prophetically he levels the accusation: "Some simply content themselves with blaming the poor and the poorer countries themselves for their troubles" (60).
According to Francis, society lacks the capacity to feel compassion, to hear the outcry of the poor and to weep when faced with the desperate situation of the poor. He talks of a "globalization of indifference" (54). He wants to overcome this and restore human compassion in all people. By no means has he despised economy nor does he condemn the rich, he has clearly stated: "The Pope loves everyone, rich and poor alike, but he is obliged in the name of Christ to remind all that the rich must help, respect and promote the poor. I exhort you to generous solidarity and to return of economics and finance to an ethical approach which favors human beings" (58).
The presentation on economy so far showed Francis's concern regarding some important challenges according to the methodological three steps: seeing, judging and acting.
Now let us turn by way of example towards Christian acting in the sense of evangelization and come to the numbers 176-216 of the EG.
In his introduction to chapter 4 (The Social dimension of Evangelization)- in number 176- Francis points out that evangelization means "to make the Kingdom of God present in our world". Thereby he underlines something which is important and which we should keep in mind: if evangelization does not duly consider the social dimension we run "the constant risk of distorting the authentic and integral meaning of the mission of evangelization" (176). With this, Francis again reverts to what he had said already in number 61, i.e. "We also evangelize when we attempt to confront the various challenges which can arise", such as social exclusion, inequality etc. Francis thus does away with a narrow understanding of evangelization which only aims at a mere proclamation by words. Francis bases the Church's social responsibility on the doctrine of Trinity and anchors it at the very center of our Faith. The social commitment thus is not something occasional, which could be added to evangelization. It is in fact a core dimension! Francis speaks of an "inseparable bond", which- if it gets lost- would "make us lose our amazement, our excitement and our zeal for living the Gospel of fraternity and justice!" And, theologically profound, he adds: "God's Word teaches that our brothers and sisters are the prolongation of the incarnation for each of us: As you did to one of these, the least of my brethren, you did it to me (Mt 25, 40)" (179).
Theologically, Francis even goes one step farther: The Gospel's offer does not just consist of a personal relation with God. God offers the Kingdom of God (cf. Lk 4,43). Thus our answer to his love should not "be seen simply as an accumulation of small personal gestures to individuals in need" (180). In his own figurative language Francis refers to this as "a kind of charity a la carte", a series of good deeds in order to calm our conscience. This I understand is a clear statement at the rich and at the Church in rich countries. The point is to love God who wants to rule the world. "To the extent that He reigns within us, the life of society will be a setting for universal fraternity, justice, peace and dignity" (180). Evangelization understood this way, striving for the Kingdom of God, has a universal dimension; it encompasses all people, all social classes, all peoples and the whole of Creation (Cfr.181). An authentic Faith is eager to change the world and participate in constructing a better world with decisive consequences for economic life. Because then not our personal wellbeing is given priority, but the common good. This explains Francis's main concerns: social integration of the poor, and peace and social dialogue (Cfr.185).
God's Kingdom, which God offers and to which we all are called, is incompatible with injustice, poverty and exclusion of part of humanity. What he demands is solidarity: "The word solidarity is a little worn and at times poorly understood" (188). Solidarity is more than a few sporadic acts of generosity. "It presumes the creation of a new mindset" (188) which recognizes the social function of property and the universal destination of goods as realities which come before private property. "The private ownership of goods is justified by the need to protect and increase them, so that they can better serve the common good" (189). Referring to Saint John Chrysostom's wise saying, the Pope explains that the poor must be given back what is rightfully theirs. This asks for dealing with the structural causes of poverty and injustice.
And Francis describes another dimension of solidarity: We must hear the cry of the poorest peoples; respect the rights of the peoples and not alone the human rights. He widens the scope to encompass the whole planet which is to serve the wellbeing of all humankind "…the mere fact that some people are born in places with fewer resources or less development does not justify the fact that they are living with less dignity" (190). The more fortunate, Francis demands, should renounce some of their rights so as to place their goods more generously at the service of others. We cannot do without solidarity; its lack will have direct influence on our relationship with God. Here Francis refers to the first letter of John which says: "If someone has worldly possessions and sees a brother in need and refuses him compassion, how can the love of God remain in him?" (3,17).
Basing his arguments on theology and the Social Teaching of the Church, Francis turns to economy. Someone who like him has profound knowledge of the life of the poor says that elimination of the structural causes for poverty is a matter of urgency that can no longer be postponed. The hungry or sick child of the poor cannot wait. Apart from this pragmatic view Francis recognizes in those unjust structures an illness of the system as such. "As long as the problems of the poor are not radically resolved by rejecting the absolute autonomy of markets and financial speculation and by attacking the structural causes of inequality, no solution will be found for the world's problems" (202). Any economic policy therefore must be re-structured focusing on the dignity of each individual and on the common good (cf. 203). We no longer are to trust the blind forces and invisible hand of the market. Economy should reject a mere economic growth and increase of profit at any price, which means even at the price of excluding workers, because it is growth in justice that should set the direction.
To bring about such change of mindset in economy it needs entrepreneurs practicing solidarity. Such acting Francis designates as "noble work" (203). Thus the Church does by no means despise the rich, as critics from economic circles argue against EG. Francis is also not against the efforts of business to increase the goods of the earth. The basic condition however, is that it serves the common good.
In this connection Francis also talks of the role of politicians. Their work he regards "one of the highest forms of charity, in as much as it seeks the common good" (205). Here he sees- referring to Benedict XVI's encyclical "Caritas in Veritate"- the "principle of love" put into practice. We are used to linking this principle of love to the micro-relationships, as friendship, family and small groups, but it must be extended to macro-relationships encompassing the social, economic and political relationships. Francis has a high opinion of politics in as far as it can be oriented towards overcoming the absolute dichotomy between economy and the common good, taking the poor's needs seriously and guaranteeing fair access to the common goods (cf. 205)".
To end, I would like to comment numbers 205, 206 and 241 of EG.
The document correctly stresses the importance of politics and common good-oriented governance for a more inclusive economy and society. For that purpose, however, it is not enough to appeal to the individual morale of politicians. More importantly, the electorate should be educated about common good-oriented governance in order to take more informed decisions when casting their ballots and to be able to hold their governments responsible and accountable in the years between the elections. What is necessary is a "culture of political participation."
The church should encourage the lay faithful to take a keen interest in public affairs and get involved in civic activities oriented towards the common good. Even though politics is often regarded as a "dirty" game, who else than committed Christian citizens can clean it up?
The global common good calls for better global governance. This holds especially true for the protection of the environment and natural resources, the financial and monetary systems and international trade. Beyond the respective international organization, there is a need for a global civil society. The church is a global player who could facilitate global cooperation in that respect and work towards global alliances for global "common good oriented governance."
The document rightly positions the Church as an important player of civil society. Her commitment to the common good makes her a sincere mediator of cooperation between various sectors of society. For that purpose, she should not be afraid to enter into alliances with other social forces of good will in order to promote a more inclusive society and integral human development.


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Disclaimer: I don't own this. Just a non-profit bit of dribble I wrote to explain a confusing, seemingly random scene. Especially since memory is such a running theme in this miniseries.
Muscle Memory
Cain listened to Glitch prattle on as if recalling the things he could remember would somehow bring back the memories he'd lost. Cain knew a lot about loss, more so then he'd like, actually. So he let Glitch ramble while he surveyed the exterior of Azkadelia's castle, looking for a weakness. He only had one gun on him so they weren't much for firepower. Unfortunately, Cain thought grimly, we aren't much for brain-power either.
"I mean, I'm not saying they called me twinkle-toes or anything but I cut quite a rug." Glitch chuckled. Cain let his irritation show as Glitch glanced at him, hoping this man would give his two cents so they could get back inside.
Glitch of course, was blissfully oblivious to Cain's inner thoughts, "Oh! You can make a face Cain but it's true. There was a time when I was a fantastic dancer!" Glitch sighed then, a bit of sadness breaking through his normally cheerful disposition. "She may have taken my brains," Cain sighed in annoyance, "but rhythm that comes directly from your-"
"Do you have any bright ideas how to get in there?" Cain interrupted, his patience stretched to its limits. Cain needed something practical, something useful, damn it. At the very least, he hoped he got Glitch back to the matter at hand.
Glitch looked over his shoulder at Cain, the nostalgic smile gone from his face. Replacing it was such an outpouring of sadness from his eyes that Cain could practically read the man's thoughts; if I had my whole brain, I would. Glitch looked away and Cain started to feel that maybe he had been too harsh.
Glitch spoke in more somber tones. "I mean, I don't mind taxing my half a brain for D.G. but just once I wish that someone would acknowledge me for my rhythm. Which, as I was trying to say before I was so rudely interrupted, comes directly from the soul."
Cain let the gears in his head start turning. If he wanted practical he would have to use what he had and Glitch obviously wanted to feel useful for something other than the brain he no longer had.
"Sometimes, Cain, you make me feel just like those ladies at the dance did, like I blend right into the wallpaper. "
Cain watched as some guards left for patrol leaving only a handful behind… few enough for two men to take in a fair fight. They could take their uniforms and just waltz right in, blend in with the wallpaper.
Cain smiled at Glitch. "That's a good idea."
Glitch turned to see the guards had dwindled in number and donned a half-nervous smile. "You want to dance?"
Cain stood. "I'll lead. You follow. "
Cain and Glitch made their way closer to the guards as quietly as possible. Cain motioned for Glitch to wait as he approached the four guards. Cain figured he could surprise these men enough to take them out. He'd had worse odds before and besides, he had Glitch in reserve. That thought didn't reassure him as much as it should have but hopefully, the man knew enough to jump in and help if it looked like Cain was going down for the count.
As Cain stepped closer, the long-coats were laughing about a small captured creature they had in a box. Cain stood on the edge of their grouping and, thankfully, they still hadn't noticed him. Glancing towards the box he saw that inside was a fairy, injured too if the blood was an indicator. The frightened thing was turning feral; trying to bite at the little twig the guard poked her with.
"Fiery, aren't they?" One guard commented.
Another added, "Never seen one that large."
The fairy tries to stand but the guard pokes her and she falls back down, clutching her stomach in pain. The guards chuckle, finding her torture amusing. Showtime, Cain thought as he forced a smile and chuckled along with the long-coats. At the sound of his laughter the guards finally, notice his presence.
The guard to his right, the one holding the box, looks at him in confusion for a second. Cain acts quickly, before the long-coat can match the face of this chuckling man with the one on the wanted posters. He lands a left cross to the startled guard, putting all his strength into it to make sure the man stays down. He notices the box fall to the ground along with the long-coat and the fairy flying away as fast as her little wings can take her.
While Cain tried to regain his balance, grunts of pain catch his notice and he quickly assesses the scene. Glitch had jumped into the fight and already two long-coats were on the ground. Cain is about to rush forward to help Glitch but stops himself in astonishment as Glitch delivers a roundhouse kick to one long-coat's face then, gracefully, turning and dropping low to sweep the legs out from under him, following up with a heel strike to the fallen man's head.
"Ooh!" The exclamation leaves him without his notice. Cain is pleasantly surprised to see Glitch handling himself so well. Glitch moves efficiently, quickly taking his opponent down and not wasting more energy than necessary, each step flowing gracefully into the next. But the thing that Cain finds most unsettling is that Glitch isn't thinking about it. He's just reacting. The man doesn't know where he is half the time and yet he can fight... and with deadly precision too.
Cain decides to stand back and watch the show as the two guards Glitch had attacked at first finally managed to pick themselves off of the ground and rush him. His face completely calm, Glitch easily dodges back avoiding a sloppy punch, ducking to avoid a second blow and as he stands up, he grabs the long-coat's still outstretched arm, not even looking at the other guard who he kicks in the face. Cain was in awe as Glitch then used the arm he was holding and the long-coat's own momentum to flip him to the ground.
Cain suddenly remembers something from when he was in training, when he asked his Sergeant why they had to run the same drills repeatedly. The answer is Muscle Memory. It's a physiological response. If you perform the same actions over and over again, you eventually can do things without really having to think about it. The body reacts on its own leaving you free to think clearly, and a cop has to think clearly at all times. That had to be what Glitch was doing now. Cain suppresses a shudder. Who were you before they cut out your brain?
A look more of fierce determination and anger than of concentration settled on Glitch's features as he crouched into stance, awaiting the last standing guard to come at him. He straightened at the last second to block a punch and deliver a right of his own. He blocked another punch and strikes his opponent in the ribs following with a right hook. The long-coat was doubled over in pain, a mimicry of the fairy this man helped torture. Cain found that almost poetic but Glitch wastes no time, his tattered coat tails swirl behind him as he finishes the guard with a tornado round kick.
Cain can do nothing but stare in stunned silence as Glitch stands over his fallen foes, smiling as he finishes his dance and nodding in approval at his work.
The sound of men marching catches Cain's attention. Glitch notices something and a look akin to panic crosses his features. It's the patrol coming back, Cain realizes just as Glitch pushes him, hiding them both behind a hill. Cain stays silent but it has less to do with the fear of being discovered than his confusion about the man beside him. At least he's on our side, Cain thinks.
When the sounds of the patrol fade away, Cain dares to break the silence "You're a deep well Glitch"
Glitch smiles innocently, the fighter disappearing into the simple, child-like person that Cain had first met. "It's all about rhythm."

subset: commoncrawl


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| "Pope Leo X" may be referring to two or more different villains. If you're uncertain which one you're looking for, just flip a coin.
If you came here from a link, please go back and make the right link for one of the villains listed below.
- Pope Leo X from the 2003 film Luther.
- Pope Leo X from the 1953 film Martin Luther.


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There has been a lot of talk about role players in the NBA playoffs.
Especially in Miami with the injury to Chris Bosh.
And what Bosh's fill-ins do is is important.
But we all know it isn't the most important thing. With all the talk of Steve Kerr and John Paxson hitting clutch shots in Chicago, those Bulls teams were all about Michael Jordan and Scottie Pippen.
There were the Larry Bird-Kevin McHale-Robert Parrish Boston Celtics teams and the Magic Johnson-James Worthy-Kareem Abdul-Jabbar Los Angeles Lakers followed by the Kobe-Shaq years.
So the heroes this year are expected to be guys who are high in the Q-rating.
All four of the playoff teams are loaded with star power.
But who has the most?
While we wait to find out if the fault is in the stars or in ourselves, here is some good work by some good people that we might have missed while sleeping or hearing the snap when John Calipari addresses Bob Knight.
Hard Knocks finally gets a team.
Tiger Woods hangs out with fans in a virtual sense.
If you have a Peyton Manning jersey you are in the majority.
Cam Newton thought he was a bad teammate.
Jeff Van Gundy thinks Bobcats are a bunch of tankers.
Facts you may or may not know about the NBA draft lottery.
Lolo Jones says Tim Tebow has a girlfriend.
I'll Have Another trainer dismayed by words from Secretariat owner.
Curt Schilling is upset with Rhode Island.
Vote: Are the Lakers better or worse with Pau Gasol?
Rory McIlroy is the U.S. Open betting favorite.
Video: Steve Kerr thinks James Harden's beard is hosting a small bird.
Reid Cherner has been with USA TODAY since 1982 and written Game On! since March 2008.
He has covered everything from high schools to horse racing to the college and the pros. The only thing he likes more than his own voice is the sound of readers telling him when he's right and wrong.
Michael Hiestand has covered sports media and marketing for USA TODAY, tackling the sports biz ranging from what's behind mega-events such as the Olympics and Super Bowl to the sometimes-hidden numbers behind the sports world's bottom line.


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Goldman Sachs Group Inc. (NYSE:GS) President Gary Cohn warned of a potential drop in fixed-income prices as bankers and policy makers in Davos celebrated surging demand for financial assets.
"Markets are really giving the sign that progress has been made," Martin Senn, chief executive officer of Zurich Insurance Group AG, said in an interview after a meeting of bankers and policy makers including Italian Prime Minister Mario Monti and Bank of Canada Governor Mark Carney. Senn said that he and his colleagues have to avoid becoming "complacent."
"I'm not concerned at this point of that because there's a good awareness of the respective risks," he said.
Uh huh.
Let me give you one example of how this "awareness" has played out, and how foolish some people have been. Back in the late 200x time frame there was a very popular product in the form of "notes" sold by various institutions that were linked to other things. These typically had above-market coupons and were basically debt of some form, although not all. One of the more-popular was this bastard Satanic spawn called a "principal-protected note", which promised to pay the original value (that is, it had no risk of loss) but also had a potential gain associated with it.
The fine print was that the "protection" was only valid if you held the note to maturity; since these traded, there was no guarantee of their value at any time other than when the issuer was obligated to make good on the original terms. If you're not seeing how you got your head cut off, you're not thinking: What happens if the issuer no longer exists?
Why then you might get zero, of course.
That's exactly what happened with Lehman.
There has been this funny dearth of people willing to buy this crap post-Lehman, and one doesn't have to wonder much as to why. But the banksters are never satisfied; oh no, they just target something else. In one of the more-recent cases, what they targeted was Apple.
It worked like this:
You bought a debt instrument that paid an 8% coupon. In today's market this ought to have set off massive alarms in your head; with zero-interest rates, who the hell borrows at 8% except someone who's about to go bankrupt?
Well, in this case what the seller (typically a large bank) did was take your money and use it to hedge Apple (NASDAQ:AAPL) stock. But in the middle of the agreement was a cute little game; if the price declined below a set point, the so-called debt instrument became a convertible and guess what -- you are long the stock with a basis of $700/share! This is commonly known as "Heads you get a small piece of the gains, tails you get bent over the table and reamed for the whole loss."
The worst part of it is that you pretty much have to hold the instrument until maturity. Oh sure, you can try to sell the instrument to someone. Good luck -- many of these things are off more than 25%. The bank of course has no way to lose in this transaction. They guaranteed that by how they structured the deal. Let me explain.
One example outlined by the WSJ is an offering by UBS last September. The face value of these one-year notes was $700.71, roughly Apple's closing price at that time. The notes pay an annual interest rate of 8.03% -- radically higher than anything you can get in a short-term bond fund, or, for that matter, in any sort of reasonably-safe short-term bond! The are supposed to pay the full value in one year, with one exception -- if Apple's stock price is under $595.60. In that case you get a share of stock instead -- even if it's worth $200.
This is pretty much identical to selling PUTs naked. When you sell a naked PUT you get the money now, but if the price declines below the strike you can be (and will be, at expiration!) "PUT" the stock and forced to own it at the price you negotiated in advance. I do this from time to time -- in the middle of the crash I sold a metric crap-ton of GE $5 PUTs naked. Had GE gone to zero I would have had my head cut off, being forced to buy the stock for $5/share no matter what it was subsequently worth. My bet was that the stock would touch $5 (or even go below it) but that the company would not go under; I wanted to get assigned. Unfortunately it didn't happen and I made a little money on the premium. I say "unfortunately" because if it had happened and I got assigned I would have hit a grand-slam out-of-the-park home run, given that GE stock trades today at over $22.
The important point about selling naked options, however, is that you have to be a pretty-sophisticated trader to be allowed to do that because there is a monstrous degree of risk associated with them. You have to convince your brokerage that you understand the risk associated with this sort of strategy and that you're willing to accept the loss, if it happens. In the GE case, each option is 100 shares of GE; if you sell 1,000 naked $5 PUTs you can be forcibly long 100,000 shares of stock at a cost of $500,000.
If the stock goes to zero, you lose the entire $500,000!
Of course Apple never goes down in price, right? And all the sell-side analysts were tripping over themselves predicting $1,000+ price targets as recently as last fall. And these notes were a nice way to make 8% for a year in a zero-yield market. Right?
So people thought.
Now the question becomes this: How full and fair was the disclosure on these things, and were they sold only to sophisticated traders who were well-aware of the damage that such an investment could result in? Second question: If you were aware of this and were sophisticated enough to be trading these things, why didn't you just sell the PUT? In other words: Why would someone buy this vomit from the bank at all?
Here's the reason I ask -- on that date you could have sold naked a $595 Apple PUT for $48.95. Note that the UBS "investment" carried a 2% fee, had to be held to maturity, and the coupon was good for $56 in interest. So your total potential "return" on the UBS "note" (their synthetic PUT, natch) was $56 - $14, or $42.
But you could sell the $595 Apple July 2013 PUT directly for $48.95 and take exactly the same risk of winding up long the stock, and in addition you could exit that PUT any time you liked by buying it back if you decided to, or you could take the assignment if it happened and immediately dispose of the stock, stopping the bleeding.
So let's assume you bought this spawn of Satan. UBS probably turned around and sold the PUT and they got the use of your money in the interim for free!
UBS pocketed a guaranteed $6.95 or about 1% no matter what happened and you got screwed- no matter what happened. If the stock went up -- or was over $595 in price -- you got rooked out of about $7 you should have kept. But given what actually happened you got raped because not only are you going to take the loss on the stock, you can't exit early and stop the bleeding.
In short I can't come up with any financial reason for any savvy investor to actually buy this product. Therefore, I am forced to conclude that it was sold to people who aren't savvy, as a literal one minute session looking back at the price of the options on that day disclosed the above to me. By the way, that PUT is worth $155.39 today, which means that there's an embedded $106.44 loss in it, assuming you buy it back. That's about 15%, which is really bad. What's worse is that the WSJ article says if you bought these notes as of today, you'd lose at least twice that much.
Then there's the other risk -- if UBS goes out of business I bet your "note" is an unsecured debt and you're likely to get zero for it.
This sort of crap ought to be against the law. There is no rational argument for buying this product in the marketplace given that anyone sophisticated enough to understand the risks involved could have, within seconds, purchased something with a similar profile of risk that earned a higher total return for a shorter duration of risk -- in this case, the risk ran only until July instead of September. That alternative was not hidden, it was not difficult to find, and any sophisticated investor would know where to look for it.
It must thus be assumed that the persons who bought this were (1) unaware of the options market or (2) unqualified to trade in that market in this fashion.
So why is it that there's a market for this garbage again? It sure as hell isn't because sophisticated investors will intentionally take materially less return than they can otherwise obtain -- in this case, about 15% less -- right?


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30 days notice is all you need to give for the brand new Vodafone 1 month rolling SIM card. Want to receive unlimited texts and free texts at weekends? Well you can with this Vodafone SIM only deal! Plus you will only need to pay 20p per minute for any UK mobile phones and standard landlines - ANYTIME! Texts will cost just 10p each!
If you like your phone and want to keep you number get the Vodafone SIM only deal, it comes packed with more minutes and texts for your money than a contract phone at a great price.


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About Jenny
I absolutely love dogs and have years of experience of looking after family pets. I have a Scottie, Bonnie is at home with my parents, (missing her terribly!) and looking to put my skills and passion for animals to work I love.
I have previous experience of being a Careworker (I do have a DBS but only covers Merseyside) and as such I am trustworthy and responsible. Currently live 30 seconds away from Brockwell Park which will be paradise for your pet! I'm very flexible with hours and can do weekdays and weekends, mornings or evenings, whatever works for you. Rain or shine I'll be there! :)
- Property type: Apartment
- Resident dogs: 0
- Outdoor space: Balcony


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Tampa, Florida – (The Hosting News) – September 15, 2009 – Web hosting and dedicated server provider, Hivelocity, has launched its much anticipated new website, after several revisions.
The new site features a cleaner look and more intuitive navigation as well as additional features.
In addition to the cosmetic improvements, the new site also includes an in-depth knowledge base and customer training center. Steve Eschweiler, General Manager of Hivelocity explained, "Our goal is to empower our customers with as much information and as many tools as possible to simplify and streamline their hosting experience."
Within the next 3 months, Hivelocity intends to launch phase 2 of its new customer portal called SPEED. Based on early reports, SPEED is said to revolutionize how web hosts enable their customers and resellers.
According to the company, "Phase 2 of Speed is going to set the new standard for client portals. Our customers are going to flip out when they see it." Updates on enhanced speed will be released as the expected launch date of January 1st approaches.
Since its inception in 2001, Hivelocity has earned a reputation for being one of the best values in the dedicated hosting sector. Hivelocity uses SuperMicro hardware and boasts a 99.98% uptime track record over the last 3 years stats by Webhostingstuff.
To learn more, please visit: www.hivelocity.net.


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Product Information
Important Sizing Note: The following measurements are the dimensions of the actual product, not of the pet they fit. After measuring your pet, make sure all measurements fit within the following dimensions (with a little room to spare in the chest and neck).XX-Small
The Pitter Patter Packable Dog Rain Poncho is perfect
This item is just as pictured and very cute! The measurements were right on (ordered a medium). I was pleased that the hood fit over her head and the back covered over the tail.
GREAT QUALITY, Either it is too big or the dog was having issues when I tried it on him. Will try again soon.
The print is so cute. Apparently the hood is not being made correctly on these cute coats. The maker does not take into consideration that our dogs have necks - which means the hood does not cover the head at all.
it was one size too large but he looked so cute in it. he actually liked it. didn't try to take it off. Enjoyed going for walk in rain to get mail. neighbors said he was adorable .
very cute raincoat, perfect for my yorkie
We love this little raincoat and it looks adorable on our pup. I also appreciated having the online chat to assist me in the sizing since our the sizing chart didn't exactly match our measurements - it fits great.
This is absolutely adorable. Every dog needs a rubber ducky raincoat.
Great jacket that folds into a small package for traveling. Keeps our girl dry while walking and quickly dries after use.
We love it and Walter looks handsome in it
I purchased this for my four lb maltipoo to use when we take them out in the yard to potty in the rain. I only bought one because I was not sure if the quality. Love it. Very good quality. I will be buying another one for the other maltipoo
Great value & fit
Fits really well and covers back. Also adorable!
This is absolutely the cutest thing EVER! It fits great and keeps the rain off my pup while making her look stylish. The rubber ducks are adorable. I also love that it folds up so you can take it with you on our walks. 4 paws up!
Great fit but first rain since receiving is due today. Good communication with ordering.
Perfect for Seattle weather.
I bought this for my baby pug and she looks so adorable in it that I've purchased larger sizes as she grows! It's the cutest poncho and very easy to use.
My dog hates going to the bathroom in the rain and this is the perfect solution! Love it!
Adorable. We are in Nevada, so now we have to wait for some rain !


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Longville, Louisiana
Longville is a census-designated place in Beauregard Parish, Louisiana.[1] As of the 2010 census, its population is 635.[2] It has 4 schools, South Beauregard Lower Elementary, South Beauregard Upper Elementary, South Beauregard Junior High, and South Beauregard High school, which are all on one campus.
|This Louisiana state location article is a stub. You can help Wikipedia by expanding it.
Coordinates: 30°36′19″N 93°13′55″W / 30.60528°N 93.23194°W


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Ravens LB Terrell Suggs returned from a three-game hiatus with an injured knee in Sunday's 48-3 win against the Lions.
Suggs was hurt with a block from Browns QB Brady Quinn that he said felt dirty and teammate Ray Lewis called a "cheap shot." That theme continued on Sunday, as Suggs said he thought the Lions players targeted his left knee and sent him limping off the field.
"They went right after my knee," Suggs told the Carroll County Times. "I tweaked it a little bit. I had to make an adjustment to the brace, but it was fine."
He returned to action but acknowledged he was hurting after the game.
"They hit it on the second play of the game," Suggs said, "and it's been hurting ever since, but you have to shake it off. I wasn't going to give them the satisfaction." -- Sean Leahy
Hat tip: PFT
Nate Davis is a reporter, blogger and editor who's been at USA TODAY since 2000. He has covered the NFL since 2005. No, he did not play quarterback for Ball State. Davis' succession of our esteemed colleague Sean Leahy at The Huddle is considered a Brady-for-Bledsoe swap by most "insiders."More about Nate


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The Clarets are 13th in the Premier League table with 14 points, three clear of the relegation places.
However, Burnley have struggled away from home, with just one point from five games on the road.
The Lancashire outfit have only scored once away from Turf Moor this season and Mee admits they need to find a way to pick up results in their away fixtures ahead of Saturday's trip to Stoke.
"We need to sort that out and play better away from home, we know that," he told the Lancashire Telegraph. "We'll look at that and we will improve. We've got an honest bunch of lads who will work hard to do that."
Mee is also hopeful Burnley will be able to call on the services of Dean Marney at Stoke as he says his team-mate "does a job that nobody really notices".
Marney is one of four Clarets men who have started every Premier League game so far this season but the 32-year-old faces a race against time to be fit for the trip to the Potteries on Saturday.
The midfielder limped off in the defeat to Manchester City with a nerve problem and is a doubt for the clash with the Potters.
Marney grabbed a goal against City but defender Mee feels it is his work in other areas of the pitch that the Clarets will miss most should be fail to make it on Saturday.
"He's been brilliant," he added. "It's a shame he came off with an injury. He does a job that nobody really notices. It's important for us he carries on doing that job.
"He's been brilliant," continued the former Manchester City defender, who captained the Clarets for the first time against his old club, of Marney.
"It's a shame he came off with an injury. He does a job that nobody really notices. It's important for us he carries on doing that job."


text: Terminations A termination or load is a dissipative electronic device used at the end of a transmission line or waveguide to convert transmitted energy into heat, so that essentially no energy is radiated outward or reflected back to its source. Westell terminations are ideally suited for a variety of applications including testing, accurate measurement, and to terminate an unused port in an in-building system. Features & Benefits Broadband DC-6.0 GHz Handles 2 Watts average power Tri-Alloy finish 50 Ohms Specs VSWR DC-6.0 GHz 1.10:1 Max DC-2.5 GHz 1.20:1 Max Input Power 2 Watt Average @ 25° RF Leakage >90 dBc Power Peak 500 Watts Impedance 50 Ohm VSWR 1.35 : 1 Operating Temperature Range -65° C to +125° C Connector Body Material Brass, tri-alloy plated Center Conductor Material Gold Plated brass or beryllium copper Dimensions N-Male 1.20 x 0.70 in. 7/16 DIN 1.62 x 0.78 in. Connectors N-Male, 7/16 DIN Model No./Frequencies Model Number CSI-TRM6N-2W N-Male Connector CSI-TRM6D-2W 7/16 DIN Connector Frequency Range DC-6.0 GHz Resources Data Sheet Terminations


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|This article needs more links to other articles to help connect it. Please help improve this article by adding links that are relevant to the context within the existing text.
Captain Reginald "Reggie" Thistleton was an English fighter pilot during World War I from Archer. He is Woodhouse's deceased gay lover.
Woodhouse and Reggie were friends at school together. Woodhouse developed romantic feelings for Reggie, but was too shy to act on them. The two served together into the final years of the Great War. Reggie encouraged his fellow pilots to contribute a tontine.
Shortly after the tontine, Reggie's plane was shot down. Woodhouse found him alive. The two bonded in that time and Woodhouse nearly musteres up the courage to express his feelings for Reggie. Reggie asked for a cigarette, but the flare from Woodhouse's lighter alerted some enemy snipers and Reggie was shot. Woodhouse went berserk and killed the sniper and his allies. He was discharged and spent the next few years grieving for Reggie.


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Rome: Antonio Cassano scored two goals and figured in another as Roma defeated Juventus 4-0 and positioned itself as the principal challenger to league-leader AC Milan last night. Cassano's two goals capped an emphatic performance by coach Fabio Capello's club, which went ahead on French midfielder Olivier Dacourt's first Serie A goal 13 minutes in and went up 2-0 on a penalty kick by captain Francesco Totti in the 53rd. Cassano and Totti performed well together all night in a two-pronged attack and Cassano's 70th and 85th-minute scores came when Juve was reduced to 10 men. Roma goalkeeper Ivan Pelizzoli blocked a penalty kick by Juventus' David Trezeguet in the 74th. It was Roma's largest margin of victory against Juventus since a 5-0 victory in 1931. Roma was reeling after a miserable month of January when it surrendered the Serie A lead to AC Milan and lost to the European champion three times. Cassano, who has a reputation for storming off the practice field when he is unhappy and often argues with officials and opposing players, was considered one of the main culprits in Roma's 1-0 loss to lowly Brescia a week earlier. Beating Juventus so soundly cast aside all of those thoughts and Cassano put an exclamation point on the evening by slicing the corner flag in half after his second goal with a violent, karate-like kick. (AP)
Topics : Football
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Fantabulous Fruit Salad With Coconut and Lime
Be the first to review
READY IN: 10mins
Recipe by Brianna Storer
This is my signature fruit salad and my husband's favorite fruit salad. The coconut adds a light crunch and really makes the salad. The pudding mix prevents the salad from becoming too juicy, even the next day. (Can sizes are approximate.)
See Discussion:
Ingredients Nutrition
- 1 pint strawberry, diced
- 1 (6 ounce) can mandarin oranges
- 5 maraschino cherries, halved
- 1⁄2-1 cup red grapes, halved
- 3⁄4 cup miniature marshmallow
- 5 mint leaves
- 0.75 (8 ounce) container whipped topping
- 0.333 (3 1/16 ounce) package vanilla instant pudding mix
- 2 tablespoons orange juice
- 1⁄2 teaspoon lime zest
- 2 tablespoons coconut, toasted
Directions See How It's Made
- Place fruit in a wire sieve to drain until you are ready to assemble the salad.
- Roll mint leaves and slice thinly (chiffonade).
- In medium bowl, combine whipped topping, pudding and orange juice.
- Fold in remaining ingredients, and serve.


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It's happened to the best of us - there you are calmly filling a form on the internet when you press backspace to remove some data... and the entire site returns to the previous page!
It's one of the more strange and irritating shortcuts ever imagined, capable of wiping out a lot of work without any warning. And the folks at Google have finally listened to our pleas. From July, backspace on Google Chrome will no longer take users to the previous webpage.
Praise be! It really wasn't the smartest shortcut to use for something which isn't difficult to manage with a mouse by just right clicking and going to back or with the left arrow key symbol at the top of the screen.
There's some information on the decision to remove the backspace control over here - which basically points to 'years of user complaints' and the relatively few people who actually use the shortcut as it stands.
Expect that backspace shortcut to stop functioning on the 26th of July, 2016.


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Conference Room
AV system, includes ceiling mounted LCD Projector, SmartBoard, Dell PC, VGA Laptop connection, and combo DVD/VCR player. A list of what is in the room can be found below. The Conference Room is only used for Library meetings and activities. Rarely, an exception may be made by the Dean. Please contact the library for more information.


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SarahChamb... Model
Kevin Vagg PhotographyPhotographer Male Milton, Ontario, Canada
My Website: Kevin Vagg Photography
Mayhem # 2558668
About Me*** Please visit www.kevinvagg.com to view some of my more current work, or Like me on Facebook (https://www.facebook.com/KevinVaggPhotography) ***
*** The photo I'm using as my profile picture is actually a photo of myself and not that of my work - why shouldn't the photographers show their own photo; this way you'll be able to recognize me should we decide to meet for a shoot :) ***
It's great to be part of the Mayhem. My hope is to work with various Creatives (Models, Makeup Artists, Hair Stylists, ...) who are willing to have fun while producing portfolio worthy photographs we can all be proud of.
I love to experiment and try new ideas, as this is how we learn and excel in what we do, so feel free to contact me should you have a photo concept that you'd like to try (excluding nudity) - lately I've been offering my services as TFP work, as I'm hoping to expend my portfolio and the types of genres I shoot.
I like meeting new people; especially those who possess a positive attitude and enjoy experimenting with their craft.
Please feel free to message me if you're interested in collaborating.
Have you worked with Kevin Vagg Photography? Add Credits for Kevin Vagg Photography! >>
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Kimba the White Lion is an American film based on the 1966 first color anime series of the same name. This cartoon is based on the original Kimba series, not the Leo the Lion series. This film is a remake to the cartoon series featuring a homage to the soundtrack and a remix of the show's theme song.
The son of the king of the lions named Kimba goes on an adventure to find a mysterious diamond that Claw is after before the jungle falls down into several pieces.
- Shia LaBeouf as Kimba: A white lion cub who serves as the main protagonist and the titular character. The son of the great white lion, Ceaser, he serves as the king of the jungle.
- Bill Murray as Caesar: The original king of the lions and Kimba's father until he was shot in the heart by pochers. He contacts Kimba during nighttime as a spirit.
- June Foray as Snowene: Kimba's mother, a lioness who birthed Kimba and eventually drowned in the sea causing her death.
- Miley Cyrus as Kitty: Kimba's love interest who later becomes his wife.
- Sacha Baron Cohen as Dan'l Baboon: A wise old mandrill who serves as Kimba. He is often misguided by some of the animals due to being old. Irish actor David Kelly was considered for the role until his death in February 12/13, 2012.
- Thomas James Kenny as Pauly Cracker: A green macaw who has a knowledge for human and animal life, believing that humans are perfect mentors for Kimba.
- Zac Efron as Bucky the Fuser: A Gazelle who goes into a lot of mischief and is a rebellion. He serves as the secretary for the jungle.
- John Kricfalusi as Speedy Cheetah: A young cheetah cub who is friends with Kimba.
- Kevin Michael Richardson as Claw: A one eyed lion who is the main antagonist of the series. He wishs to dethrone Kimba and become the king.
- Jeff Bergman as Cassius: A panther who is Claw's right-hand man.
- Jeff Bennett as Tom and Tab: Two hyenas that work for Claw and Cassius and they crack alot of jokes. Tom sports an African American accent while Tab sports a Mexican accent.
- The Dapper Dans as The Black Four: Panther assassins that can camoflague through the darkness. The Dapper Dans were perfect for the role since they have an amazing singing talent.
- Freddie Highmore as Roger Ranger: A human friend to Kimba the White Lion.


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First Look At Hayley Atwell's Agent Carter
Marvel one-shot gets an ace one-sheet
Here are some more pre-Comic-Con goodies, this time in the shape of a rather ace, Pulp Fiction-esque poster for Marvel short Agent Carter. The poster and some swish new images have been debuted by Entertainment Weekly in advanced of the Captain America spin-off's debut in San Diego next week.
Agent Carter is this year's Item 47, the Marvel one-shot debuted at last year's 'Con to general glee. While Atwell's wartime agent will pop up in Captain America: The Winter Soldier, it's likely to be a brief cameo as an elderly lady. Agent Carter, then, should satisfy fans yearning to find out what became of the character once Cap has set off on his ill-fated flight with the Red Skull.
"Fans of the first film really wanted to find out what happened to Peggy afterwards", elaborates Atwell, "so Marvel are also making a short film, which is basically 'What Peggy Did Next'." Judging by these new pics, the answer is pretty clear. She kicked some serious ass.
{Agent Carter Pics}
It's the brainchild of Marvel's co-president and short-filmmaker-in-chief Louis D'Esposito, and will see Carter doing battle with evildoers and chauvinism alike.
Head over to EW for the full gallery. If you're not making the trip to Comic-Con, fear not. Agent Carter will appear as a DVD extra on Captain America 2. For more on that movie, feast your eyes on this new concept art, hot off the press.


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Why do you like or dislike this movie?
Uploaded: 2015-10-24 Rating: % / Votes
Description: Mary Jane Mayhem is married, but don't think that's going to stop her from visiting one of her favorite adult bookstores and paying for one of those private viewing booths. Mary Jane loves porn, and she loves jerking off to porn, and there's something thrilling


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Want to aid your juvenile person acquire much words? Do you likewise privation to maintain them busy patch itinerant to the grocery store store, in circles town on errands, or even on vacation? Here are five word-related actions for getting bigger your child's wordbook and avoiding the "Are we near yet?" inquiry.
1. "Find the side by side letter". This team game plant asymptomatic next to littler family research the alphabet. Have your minor expression for the packages in the character set in the right chain on road signs, billboards, instrument plates, and concern signs. As they increase confidence next to the game, you might acquaint a instance thing. Can they insight all cardinal correspondence since you realize your destination?
2. "I'm reasoning of a .... message expression." Start this spectator sport next to truncated 3 or cardinal memorandum speech communication. One recitalist thinks of a expression and then announces how many a correspondence are in the speech. The another players afterwards gut feeling a idiom. The firstborn musician consequently compares the assumption linguistic unit beside the speech he is rational of to see what parcels lucifer exactly in their placement in the spectator sport expression. The premier entertainer after announces how abundant correspondence ignitor in particular. For example, if the halt idiom is love and the supposition phrase is sale, afterwards in attendance is one note (e) of the supposition sound in the just fitting placement as in the halt name. So the preliminary player announces "1 letter". Now the new players in twirl try to discover which communication is a igniter by a method of eradication. To see if the early memo was the match, a actress mightiness surmisal suit. When no parcels match, the next musician power try to eliminate the second note as the fitting memorandum and so on. The musician who well identifies the phrase wins and is the side by side one to expect up a new crippled speech.Post ads:
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3. "Alphabet words" Each contestant must go up with a idiom which begins next to the subsequent message in the script when it is their change direction. You can trademark this more than confrontational by handsome a family for the oral communication resembling simply animals or sole verbs.
4. Use ordered series game to bring in flashcards of the new words your minor is research. Have your small fry walk the cards and workroom all paper for the expression and its significance.
5. Bring books and magazines for your kid to publication while you thrust. Let them choose out topics they close to. New topics and authors will enlarge their wordbook. Have them read in silence or aloud. Both will serve hone their skills as a reader.Post ads:
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These endeavours will soar your child's vocabulary, letter recognition, written communication awareness, spelling, and written language motive (the hunger to read) which are whatever of the proto accomplishment skills which formulate for a firm basic knowledge for reading. They are as well a fun way to passing the case. Enjoy!


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Our hydrotherapy pool at Ravenswood, is fully accessible. It has a range of hoists and adapted equipment and there is a specialised sensory lighting system to engage and stimulate swimmers.
The warmth of the hydrotherapy pool improves people's physical wellbeing:
An aquatic program can also help the psychosocial wellbeing of a person with a disability. Learning to enjoy the water and to move about without assistance can enhance their self-esteem and self-awareness. A sense of wellbeing and freedom can lead to a temporary release from tension and stress, both of which sometimes increase the negative impact of physical disabilities.
The pool is used by people supported by Norwood and other members of the wider community. Swimmers can take part in timetabled sessions, including:
It is also possible to hire the pool either for sole use or for use by a group.
For further information or to arrange a viewing of our hydrotherapy pool, please contact us using the details on the right.


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Situated 14 km from Coast Line in Hurghada, this air-conditioned apartment features free WiFi and a balcony. The apartment is 16 km from Malek Disha Dive Spot.
There is a dining area and a kitchen. Towels and bed linen are provided at Studio in Diamond Resort. Other facilities at Studio in Diamond Resort include an outdoor pool.
Abu Hashish Dive Spot is 22 km from Studio in Diamond Resort, while Subaqua Dive Centre Sunrise is 23 km from the property. You can engage in various activities, such ...as snorkelling, diving and fishing. The nearest airport is Hurghada International Airport, 5 km from Studio in Diamond Resort.
|El Sheraton Road, Mohamady Hweidak Square,Diamond Resort, apt 70


text:
Marijuana use affects sperm
Marijuana is legal in a lot of places nowadays and is becoming very widely used... But it does seem to have an effect on fertility.
Check out this news article on the study. Here's an overview:
"Young men who use cannabis may be putting their fertility at risk by inadvertently affecting the size and shape of their sperm, according to new research. In the world's largest study to investigate how common lifestyle factors influence the size and shape of sperm, a research team found that sperm size and shape was worse in samples ejaculated in the summer months, but was better in men who had abstained from sexual activity for more than six days."
What do you think? Would you risk it?
In this house, I'm not sure if I would or not. I'd have to weigh the costs and benefits of the usage.
We will see, I s'pose.


text:
|Nickname(s): Balore/Balaur, Billawar
|Coordinates: 32°37′N 75°37′E / 32.62°N 75.62°ECoordinates: 32°37′N 75°37′E / 32.62°N 75.62°E
|Jammu and Kashmir
|Dr. Nirmal Singh
|844 m (2,769 ft)
|Population (2011)
|• Total
|• Official
|Urdu, Dogri
|Time zone
|Vehicle registration
Billawar is a town and a notified area committee in Kathua district of the Indian state of Jammu and Kashmir. Billawar is also a tehsil. It is also known as Balaur. Billawar was founded by Raja Bhog Pal in 7th century A.D[1] and it remained the capital of Basohli Rajas. The descendants of the Royal family are known as "Billawaria, Baloria, Balouria or Billawaria" and chandel all being the modern day spelling variants. The town has some ancient monuments. One of these is Mahabilvakeshwar Temple, one of the most revered Shiva temples of the area. It was known as Hari Hara Temple.
Billawar is located at 32°37′N 75°37′E / 32.62°N 75.62°E.[2] It has an average elevation of 844 m (2,769 ft). Billawar town is situated in the lap of Shivalik mountains between the banks of Naz and Bheeni rivulets approximately 70 km from Dayala Chak on Delhi-Jammu NH-1A. Local places of importance include Sukrala Devi Temple and an ancient Shiva temple. This place is of historical importance as it was the headquarters of the Billawaria kings.
According to one belief, Pandavas visited Billawar in the last year of their exile and were attracted by Bael or Bilwa trees abundant in the region. The Temple Mahabilwakeshwar was built where Pandavas had worshipped. In Billawar there is an ancient Hanuman's statue built on a rock in the river Naz . According to Dr Sukhdev Singh Charak, Billawar-Basohli was one of the three parent/ original states of the Duggar Group along with Jammu and Poonch.
As of 2011[update] India census,[3] Billawar had a population of 11,916. Billawar has two boroughs-old Billawar town and Phinter area. Males constitute 56% of the population and females 44%. Billawar has an average literacy rate of 72%, higher than the national average of 59.5%; with male literacy of 78% and female literacy of 58%. 12% of the population is under 6 years of age. The old name of Billawar is 'Bilawara'. The major religions of this area are Hinduism 88.21% and Islam 9.68%. While some Sikh and Christian communities are also present in small numbers.
Billawar Block (Tehsil) details[edit]
The Billawar tehsil (1 of 8 tehsils) of Kathua district has forty-six panchayat villages, and numerous others, these include:[4]
- Aglidhar
- Amuala
- Beril
- Barota
- Batheri
- Bhaddu
- Chunera
- Dadwara
- Dambra East
- Dambra West
- Derli
- Dewal
- Dhamlar
- Dhanjasdhar
- Dhar
- Dharalta
- Dhar Dugnoo
- Dhar Dugnoo Upper
- Dharamkot
- Dehota
- Dungara Lower (Kishanpur)
- Dungara Upper
- Durang
- Galak
- Gura Kalyal-A
- Gura Kalyal-B
- Hottar
- Kah
- Kandharnoo
- Kishanpur (Billawar)
- Lakhri
- Pallan
- Parnalla
- Phinter
- Salore
- Thanthu
- Tilla (Ward No-7)
Billawar is connected to Jammu, Udhampur, Kathua, Basoli, Delhi, Haridwar, Pathankot, Lakhanpur, Lornoo etc. by regular bus service.
The Mahabilvakehwar temple of Billawar is most enchanting and magnificent edifice. The Shiva temple is the landmark in the development of art and architecture of the region. It contains the rare Linga image. Bala Sundri Mata is a holy place for the locals. Famous Sukrala Mata temple is situated just 8 km from Billawar. The temple is visited by thousands of pilgrims every year, mainly from Northern India.
The Peer Baba Also known as Varun Devata At the bank of Ujh river is also a place of local religious importance.
It is situated at a height of 5000 ft. It is a ridge blanked with thick cover of Chir pine, Deodar and shrubs. The climate is temperate type. It receives winter rainfall from Western disturbances and summer rainfall from monsoons. It is 30 km from Billawar (Tehsil HQ). Regular bus service plies from Billawar.
A prominent town of Billawar Tehsil, was also once the seat of Imperial Power. It was very small state comprising 36 villages. Bhaddu town is situated on Bhinni Naalah, a tributary of Ujh river. The descendants of the Royal family are called Bhadwal Rajputs.
Mankote (Ramkote)[edit]
It is an important town of Billawar tehsil. It is situated on a hillock on the bank of Basantar Stream on Dhar-Udhampur Road. It used to be a small state spread over an area of 24 km in length and 15 km in breadth. Mankote was founded by Raja Manak Dev, a contemporary of Raja Narsingh Dev of Jammu (1272-1314 AD). It was renamed by Raja Suchet Singh (1822-43 AD) as RAMKOTE.
Sukrala Mata[edit]
The most famous shrine in Billawar is Sukrala Devi Shrine at a height of 3500 ft on a hillock amidst sylvan surroundings at a distance of 10 km from Billawar and about 75 km from Kathua. The temple has white-line-coated edifice. The pilgrims have to scale flights of many steps to reach the temple. According to the local belief, the holy shrine is the abode to the goddess Mal Devi, the re-incarnation of Sharda Devi whome according to them has manifested herself here in the shape of a Shila (Stone Slab) seated on a Brass Lion with a silver mounted head. Behind the slab is an image of Mahishasur Murdini (re-incarnation of Mahalakshmi) standing on the body of Mahishasur, the Demon King. The Goddess is four Armed with a sword in one of her hands. The shrine is believed to have been built by Madho Singh and exiled Prince of Chamba (Himachal Pradesh). During Navratri the number of pilgrims goes over 50 thousand.
Situated on bank of river Naz and Gurunal, the most religious places just a few meters adjusant to Hanuman Stone and there are 320 springs exists in Gurunal also known as Mini Haridwar, Mandir of Mata Mal Rani is also in Gurunal.
Other tourist Places[edit]
There are many other tourist places located in the town of Billawar. Some of them are:
- Hottar Temple.
- Durga Temple of Kohag.
- Narsingh teple of kohag mandli.
- Radha krishna temple of upper mandli.
- Goshala at mandli.
- Amar Pinak Shiv Temple.
- Sacred Heart Church in Phinter.
- Parnala Mandir.
- Sheetala Mata Temple.
- Bhaddu Shiva Temple.
- Sharada cave at Gura Brota road.
- Ringri Mata Temple.
- Varundev(Peer Baba) at the bank of river UJH(ujhpul)
- Durga temple of Nagrota Gujroo.
- Shani Mandir at Lakhri
- Durga temple at Nagrota
- Panjtirthi Shiv Mandir (lower Dungara)
Buses for Jammu, Kathua, Basoli, Delhi, Pathankot, katra, Udhampur for long distance and Matador vans for short distances.
- ^ Kumar, Raj (2006) [2006]. Paintings and Lifestyles of Jammu Region: From 17th to 19th Century A.D (Reprint ed.). New Delhi: Kalpaz Publications. p. 57.
- ^ Falling Rain Genomics, Inc - Billawar
- ^ "Census of India 2001: Data from the 2001 Census, including cities, villages and towns (Provisional)". Census Commission of India. Archived from the original on 2004-06-16. Retrieved 2008-11-01.
- ^ "Reports of National Panchayat Directory: Village Panchayat Names of Billawar, Kathua, Jammu and Kashmir". Ministry of Panchayati Raj, Government of India.[permanent dead link]


text:
it's official: our online #girlspopup is forever! to celebrate, we've given it a whole new look and stocked it with everything we want you to have for summer.
so, what is the #girlspopup?! well, it started as an actual shop in the back of our party house in LA, and now baby's all grown up and super legit! personally curated by our very own jen gotch, our one-stop shop is packed with an ever-changing inventory of exclusive ban.do collabs, vintage finds, and work from artists and brands that jen's totally obsessed with right now. it's a big high five to girl power and a love letter to our #bandogirlgang (that's you!).
ok, so what's new up in this #girlspopup? let's start with outdoor fun!!! you know, the most fun possible when the sun is out and all you wanna do is go outside and soak up some rays. that means inflaaaaatables in every shape: a pineapple! a pizza! a watermelon! a swan! a rainbow unicorn! your snapchat's gonna be blowin' up, girl! there are a bunch more goodies in the #girlspopup outdoor fun party (um, pink party visor?!), so check. it. out!
remember when we launched apparel in the #girlspopup and everyone went crazy with happiness and straight-up joy? well, brace yourselves for round two. we've launched a new capsule collection of tees and one very soft sweatshirt that are perfect for summer and all year round, and made to have fun in. #havefuninthis, y'all! the fun is coming, and it won't stop! there's a special treat for fans of the bachelor, and you're gonna want to be a member of the hot tub club aaaaand a leisure queen…. or at least get very busy relaxing.
we've also stocked the #girlspopup with alllll the sunnies a girl could want… like seriously, you're probably going to become one of those people who wears sunglasses inside and we are totally down with that. from pineapples to cat eyes to hearts and more, you might as well make it easy on yourself and grab about 5 pairs!
splish splash! to make all your baywatch dreams come true, you've gotta grab a suit by private party! you can even get our iconic phrase i am very busy on one of 'em. or pizza, or mermaid (which you totally are), or champagne campaign, in which you run for president of our favorite fizzy drink. bring on the head turning!
you didn't think we'd forget about flair, did you?! nah. we've got all the flair a gal could want in the #girlspopup, so you better pick up 37 pieces… or at least a solid handful! and speaking of grabbing all the pretty things, we've got jewelry on lock! and we're not talking about your mother's jewelry, we're talking gold pineapples, a hot sauce ring, a babe necklace, and so much more. get your bling on, girl!
go get all your faves before they're gone… and keep checking back! this #girlspopup is gonna be poppin' up forever!
Saw one of your photos on Pinterest and had to see where it came from. It brought me here and I am so glad. Such an inspiring website. Love the layout and the color scheme.
Dakota D.


text:
Would you like to save as your currency permanently or for this visit only?
Nicely updated hotel. Quiet and away from the main action in Byron Bay but close enough to easily walk. Staff was great. Since our room had recently been updated, it still had some paint smell but it wasn't too overbearing.
The location was convienient for everything that Byron has to offer. On the main street and only a short walk to the beach.
Spa outside was cold!
The Location was great, close to supermarket, movie theatre(it was pouring with rain during our stay) just a short walk to the shops and beach. Was expecting slightly more up to date accommodation. Bathroom and Carpet very tired looking. Marks on carpet just made the whole room seem 2 star standard.
Convenience to town, staff very friendly, accommodation comfortable and clean. Reasonably priced facility.
The rooms were more than I expected. Will defenatly stay there again :) Was staying in the apartments and didn't like that I had to walk through the car park and reception area to get to the swimming pool. There was a door near my room that would have taken me straight to the pool area but it was locked. Maybe they could give a key to this door to the guests that are staying in the apartment area so they can access the pool area.
The couple who run the Motel were most helpful during our stay. The rooms have every ameniety one could want, provided, including milk to make a cup of tea! It was a little further out of the main town than we had thought on booking, but it was so good, we would elect to return.
spacious and airy open plan, neat kitchen, very clean and it made me feel quite at home. could have slept a few people if on a budget. i would go back again. nothing comes to mind
staff were very helpful, particularly as my baggage had been lost by the airline maybe it's a kiwi thing, but I haven't stayed at a motel before where you don't get supplied with face flannels and hand towels
The rooms were clean and what to expect at that price
Gated parking. Excellent facilities for the price. Liked the balcony for sitting outside
Nothing about this place is desirable except for its proximity to town Run down, poorly kept, in need of complete overhaul by owners. Mgt staff was flustered and completely unknowlegeable about the place and the town in which it is located. Wifi doesn't work, noisy at all times of the night, bed is a piece of uncomfortable foam, ac had to be replaced during our stay. Staff gets upset with clients when approached about problems.
Liked everything especially the bed [queen] Needs an air conditioner
The room was clean, comfortable aand handy to everything. Our room was across from the reserve, we were woken at 4.30am by geese, ducks ? that did not stop squaking till after 7am. I would stay again but not in that room.
It suited our needs beautifully....could walk to the CBD/beach. Very quiet at night. Nothing. Were very happy.
Good place to live with family Closure of parking after 2100 hrs
A delightful surprise to find such a friendly atmosphere. The new owners have done an amazing job in the two months since they arrived. The husband/wife team are giving attention to the small details that make a big difference. Excellent recommendation. When programming your GPS, note the location for this excellent hotel is WEST Ballina.
The Managers were great and the room extremely clean.
Location to the beach, friendly staff, clean and comfortable, secure
We really didn't stay long enough to appreciate the place, but I was surprised how quiet it was, considering it's proximity to the Hotel. Could easily have stayed there for an extended stay. Not that it is something to dislike the place for, and I'm sure all we had to do is ask, but a tea towel would have been handy.
Very Central to shops and the function we were attending at the Beach Hotel
Having been a regular visitor over the past years it was disappointing this time around. We stayed at Opal Cove Resort for much less in better comfort and classier surroundings. Thank goodness for the fine dining at the Sandbag Restaurant which made the stop-over worthwhile. Money pinching facilities in room and especially poor internal lighting.
The friendliness of your staff and the excellent facilities.
Management very off-hand. Facilities tired. Manager's dogs' barking woke us up. Over priced for what we received. Would not recommend.


text:
Riddell NFL Super Bowl XLV Mini Helmet Green Bay Packers Steelers New in Box
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Sports
- Source: eBay
- Sold Date: Aug 03, 2015
- Channel: Auction House
Brand new sealed Super Bowl xlv mini helmet riddell official nfl. � Email me with any questions


text:
Submit News
NVIDIA Announces nForce 600i Family
Anh Tuan Huynh
November 8, 2006 4:21 AM
Recipient E-mail
Sender E-mail
Fortunately NVIDIA's performance is a bit better than their definition of secrecy
nForce 680i SLI, 650i SLI and 650i Ultra
NVIDIA is set to announce its latest core-logic family for Intel processors. The new nForce 600i family spawns three new products—the
nForce 680i SLI, 650i SLI and 650i Ultra
. The three chipsets will target hardcore enthusiasts, performance gamers and mainstream gamers respectively. With the nForce 600i chipset family, NVIDIA has adopted a new naming scheme to differentiate its Intel and AMD products. Beginning with the nForce 600i family, NVIDIA chipsets will have "i" designations for Intel chipsets and "a" designations for AMD variants.
For hardcore enthusiasts
NVIDIA has the nForce 680i SLI
. It features compatibility with Intel Core 2 Extreme, Core 2 Quad, Core 2 Duo, Celeron D, Pentium 4 and Pentium D processors. There's also plenty of headroom with the nForce 680i SLI too. NVIDIA has engineered the nForce 680i SLI to run at a 1333 MHz front-side bus for future processor compatibility and overclocking headroom.
In addition to the 1333 MHz front-side bus support the nForce 680i SLI features a dual-channel DDR2 memory with various memory dividers to take advantage of SLI-Ready memory modules. NVIDIA nForce 680i SLI based motherboards also feature Quicksync Technology that accelerates memory performance when the front-side bus and memory speeds are synchronized.
As with the previous
nForce 590 SLI Intel Edition
the nForce 680i SLI supports two full-speed PCI Express x16 slots for SLI technology. In addition to the two full-speed PCI Express x16 slots, nForce 680i SLI motherboards will feature a third PCI Express x16 slot. The third slot will run at half-speed and have an x8 electrical interface. NVIDIA claims the half-speed PCI Express x16 slot is
adequate for physics processing
Other notable features of the nForce 680i SLI include LinkBoost, FirstPacket, DualNet, high definition audio and MediaShield technologies.
On the budget side of things is the nForce 650i SLI and 650i Ultra. Both chipsets are virtually identical with the exception of SLI support. The nForce 650i chipsets lack most of the features of the nForce 680i SLI. Nevertheless, it still features a dual-channel DDR2-800 memory controller, Gigabit Ethernet with FirstPacket technology and high definition audio. Interestingly enough, the nForce 650i series support two IDE channels while the nForce 680i SLI only supports one.
EVGA is the first manufacturer to release an nForce 680i SLI based motherboard.
Images of the EVGA nForce 680i SLI motherboard was previously released by NVIDIA
. The EVGA nForce 680i SLI motherboard features three PCI Express x16 slots with two full-speed and one half-speed. EVGA has based the motherboard on NVIDIA's reference design. The motherboard supports all features of the nForce 680i SLI including the LinkBoost, FirstPacket, DualNet, MediaShield and high definition audio technologies.
Expect the EVGA nForce 680i SLI and other nForce 680i SLI based motherboards to cost south of the $300 border. Expect NVIDIA nForce 650i SLI and Ultra based motherboards should be more cost effective, most likely below $150.
"Google fired a shot heard 'round the world, and now a second American company has answered the call to defend the rights of the Chinese people." -- Rep. Christopher H. Smith (R-N.J.)
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October 20, 2006, 4:09 AM
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October 13, 2006, 3:54 PM
Goodbye nForce 570 SLI and 590 SLI...
October 3, 2006, 9:54 PM
NVIDIA nForce 590 SLI Intel Edition Gets Real
June 6, 2006, 6:57 PM
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Beach Themed Bedroom Ideas
Sometimes we just want to relax on the beach all day. You can bring the tropical beaches to your bedroom with Beach Themed Bedding!
The breezy colors and patterns provide a summery ambience to your bedroom.
Sea Shells Bedding and Nautical Bedding bring seaside chic to any room.
You can also use Beach Themed Decorative Pillows to enhance your Beach Room Decor.
Beach Theme Bedding Sets
Summer Beach Duvet Set with Starfish, Seashells and Coral
Bayside 6 Piece Duvet Cover Set
7-Piece Microfiber Nautical Themed Comforter Set


text:
The European Rolfing® Association e.V. (ERA) Training Center and Office are located in Munich, Germany.
At our Munich Training Center, we offer all Certification Programs in English with one exception – our Basic Rolfing® SI – Modular Format, which is offered exclusively in German. We also offer a variety of other Continuing Education and Pre-Training workshops as well.
Outside of our Training Center, the ERA offers the Basic Rolfing® Training – Modular Format in different languages in several locations: United Kingdom (English), Switzerland (French), Italy (Italian). Continuing Education and Pre-Training workshops offered through the ERA also occur in a variety of locations across Europe.
Below please find a list of locations and information about each.
- Académie Francophone de Rolfing Intégration Structurale (AFRSI)
27 Chemin des Crets de Pregny, Geneva, Switzerland
- ArtGerecht
Mühlesch 13, Langenargen, Germany
- Associazione Italiana Rolfing®
Via Porrettana 148/2, Bologna, Italy
- British Academy of Rolfing® Structural Integration (BARSI)
7 Newcourt Street,, London, United Kingdom
- Chateau Rochefort
Place de l'Église 1, Allaman, Switzerland
- Chisao
Wachsmuthstraße 4, Leipzig, Germany
- Diorama Arts Studio
201 Drummond St, London, United Kingdom
- Don Bosco Haus – Zentrum für Jugend- und Erwachsenenbildung
St.-Veit-Gasse 25, Wien, Austria
- European Rolfing® Assocation e.V. (ERA) Training Center
Saarstrasse 5, Munich, Germany
- Hotel Re Enzo
Via S. Croce, 26, Bologna, Italy