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It's crazy how many different things can be traded these days. There are futures contracts for just about everything, even the weather. In my days as a commodity broker, many moons ago, we even used to joke about putting on a tiger shrimp/powdered milk spread. (You could actually do this, were you so inclined. Or at least you could back then.)
But you know what would be really great to see? A futures contract that rises or falls with the reputation of central bankers.
Someone smart (like Robert Shiller) should create the "Federal Reserve Good Will Index," to measure popular sentiment toward the Chairman of the Fed. Then the Chicago Mercantile Exchange could set up a contract that traded off it.
I wish they had done this years ago. If they had, I would have shorted the daylights out of Alan Greenspan futures contracts, right about the time Vice Chairman Alan Blinder referred to him as "The greatest central banker who ever lived."
Talk about an unsustainable high. Since that day in 2005, Greenspan has gone from "Maestro" to "Master of Disaster" in the eyes of the world (for anyone keeping score that is).
And as for today, your editor would happily short the monetary witch doctor du jour, Federal Reserve Chairman Ben Bernanke, in large size too. What an excellent speculation that would be.
Bernanke 5,000
Like the Nasdaq of old in the days of the dot-com bubble, the Federal Reserve's reputation has soared high in recent months. As the global financial crisis fades from investor memory, belief has been widespread that Ben Bernanke saved the day… that both America and the world were saved from disaster by the Fed's decisive action and generous intervention.
Well. We'll see how kindly history treats that judgment.
Remember Nasdaq 5,000? That was the magic number (5,408.62 if you want to be precise). When the Naz kissed that magical 5K level in March of 2000, soaring ever higher on gossamer dot-com wings, it turned out to be the kiss of death. A brutal 75% decline followed.
Were the Fed Chairman's reputation linked to an index, we would soon be approaching "Bernanke 5,000," in keeping with the Nasdaq of old. And also in due time, we will see a similar bone-crushing decline.
Bernanke's reputation will take a brutal dive downward – and never fully recover – when it becomes clear, to even the most deaf, dumb and blind observer, that this recovery was purchased, via the Federal Reserve's funny money trillions, at far, far too high a cost.
Cost? What Cost?
Of course, right now we have a situation that could be considered amusing… or tragic… or both. Many market investors and commentators aren't even aware – so far – that this recovery even HAS a hidden cost.
All they see are the pretty economic data points creating an oh so pleasing medium uptrend. Rampant stimulus? Out-of-control fiat money creation? Pshaw. They think all this came about for free.
Take Maria "Money Honey" Bartiromo for example. Ms. Bartiromo has been a CNBC financial reporter since 1993. She has written books, hosted World Economic Forums, reported "live on the scene" in countless exchange floor experiences, and ridden in private jets with the Wall Street glitterati.
And yet, for all that, she seems absolutely clueless as to what is actually happening.
Sound too harsh? The evidence is caught on videotape. In a Yahoo Tech Ticker interview, which you can watch here, Bartiromo said the following:
There's nothing wrong with a boom bust economy. What's wrong with a boom bust economy? Things are booming and then you get a bust and that opens the door for wealth creation.
Nothing wrong with a… the mind boggles. Nothing wrong with trillions of dollars in wealth and savings, vaporized overnight by a bunch of greedy banksters? Nothing wrong with America in financial turmoil? Nothing wrong with 20% unemployment and underemployment? Nothing wrong with American small business – the backbone of the country – gasping for air like caught fish flopping around in the bottom of the boat, while the main perpetrators of the crisis are rewarded with risk-free billions in new profits? Nothing wrong with trashing the rule of law and descending into financial oligarchy?
Pardon my French, but Ms. Bartiromo has no idea – none – what the hell is actually going on. As Bill Bonner once quipped in Financial Reckoning Day, she is like a squirrel watching a bank robbery. She and legions like her – who represent the financial establishment – have zero grasp of Austrian economics, which warns very plainly that these "harmless" booms and busts, brought on by government massaging of the credit cycle, lead to outright fiscal disaster. Wealth creation? Try wealth DESTRUCTION, on a vast and epic scale.
The CAT Example
The problem with the financial establishment – and it is only one of many – is a sort of willful myopia. These people put on their blinders and green eye shades and fixate with intensity on earnings and indicators and managed data points… all the things that they want to see. Anything that they don't want to see or hear, they ignore. "A man hears what he wants to hear and disregards the rest," as Simon & Garfunkel once sang.
Take the recent earnings report (see earnings call transcript here) from Caterpillar (NYSE:CAT), a well-known maker of earth-moving equipment and other machinery. CAT reported an "improved outlook," to much praise and good cheer from investors – along with a sharp price gap higher – even as its revenue declined 11% year on year.
(And somehow an 11% top-line decline, off the miserable crisis conditions of Q1 09 no less, counts as improved? Hmm.) Worse still:
• CAT's machinery sales were down 1%
• North American machinery sales were down 15%
• Dealer inventories were half the previous year's levels
• Engine sales were down 28%
Gee, that all sounds terrible. So why were investors cheering – and buying? Because Asia profits were up 40%, leading to a modest profit where last year saw a loss. That happy circumstance drove everything. The bad news on overall revenue decline… machinery and engine sales decline… utter North American malaise… all ignored.
It gets even more amusing. Those save-the-day profits CAT picked up in Asia? For a company that sells earth-moving equipment, how much of that strength might be linked to the fact that China is in the midst of a white-hot real estate and construction bubble? (Hmm, you think?)
Not only did CAT look awful everywhere except in Asia – where China has been bankrolling nutty construction projects like mad – the company actually conditioned its positive outlook on the presence of continued stimulus.
As the WSJ reported,
[CAT] raised it[s] outlook for 2010, though revenue declined on continued weakness in developed economies, especially the U.S. and Europe. It cited concerns about central banks withdrawing stimulus too soon.
A Cost We Cannot Bear
So there you have it. Caterpillar, one of the world's premier industrial companies, shoots the moon on positive investor sentiment even as its business model clearly hinges on the kindness of central bankers.
"Please Mr. Bernanke, don't stop the flood of free money – it's all that's keeping our USA lines from collapsing. Please Beijing, don't stop building deserted shopping malls and empty skyscrapers and highways that no one will drive on. It's the only thing making us look good. Yet our outlook has "improved"… as long as you keep it coming."
The thing is, the torrential gusher of free money that has so buoyed us isn't actually "free," any more than the low-cost funds once happily borrowed by Greece were free.
The unprecedented stimulus – a "great macro liquidity experiment" the likes of which the world has never seen – comes with a horrible embedded cost… a potential price so high that the crisis "cure" could ultimately prove far worse than the disease.
The true cost may only be known, in fact, once the Federal Reserve has managed to inflate yet another money and credit bubble (to compliment the decade's previous two). And once this third bubble pops, we could be left with an even bigger financial crisis to clean up… and no room on the balance sheet to spare.
A country without reasonable means of paying off its debts is only as solvent as the market judges it to be. At some point in future, thanks to the Greece precedent, the market may judge the USA technically insolvent – i.e. unable to pay its debts except by way of printing press, which is a form of default in disguise.
That is the frightening reality that the Maria Bartiromos of the world miss, even as the overlooked danger signs mount.
For all that we have sacrificed, there will not be nearly enough "bang for our buck" in the end, when expensively purchased recovery on the whole runs headlong into the brick wall of sovereign debt crisis. The looming costs of the stimulative printing press "solution" could prove too much for the West to bear.
Disclosure: No positions


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login with
Flipper teeth
Does anyone on here use one full time? Is it visible? Can you tell the difference or does it just look like a retainer?
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My mom was looking into having one made. It's cheaper than having a fake tooth implanted and she has one that is slightly noticeable that she had to have removed. She's VERY self conscious about it too. :(
Hubby has one, but I didn't realize or remember it was called a flipper. His isn't like a retainer. It is like a mini set of dentures. He doesn't like his. Food gets stuck in it and he calls it a pain. He wishes he had of taken care of his teeth better so he wouldn't need it.
I've never used one, but if they do work, I'd love to have one... I've got some wicked crookedness happening in part of my front teeth.
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Question about GE Spacemaker JVM1640SJ Microwave Oven
I have a GE spacemaker microwave that was made in 2005. Model number is JVM1650WH01. When I start the microwave it wil run for 3-5 seconds and then stop. The numbers become unreadable and it then requires me to reset the date and time.
Posted by rjdrees on
I have the same problem and is about the same age. Our turntable also stopped working about 6 months ago so I bought a new 50-cent chincy motor for $75 from GE and still need to install.
I won't buy GE again! Anyway, let me know if you figure this out.
I also have GE microwave model JVM1650BH01 installed in 2005. It stops after 3 to 5 seconds very often. It is intermittant but has steadily gone bad over the last 2 months.
I have the same problem!!!!!!
It starts for a few seconds then quits.
It was manufactured in December 2004 and the model number is JVM1653SH01. Is it worth having repaired or do I just change brands forever more....
I have the same problem with a GE Spacemaker JVM1653SH01 manufactured in December 2004. Is it worth having repaired?
I have the same problem, please help!
I have the same problem on model number JVM1653WH01 with the date of Jan 2005.
same problem w/ model JVM2070. On for a second or two then request clock set?!
I have the same issue... Does anyone know how to fix it?
When I hear the magnetron engage, the unit shuts off, and I am prompted to reset the clock.
Yah, I have the same problem. I don't see how posting this will help, though.
Thanks "FixYa"
same as obove
Same problem, quite annoying... wife is quite irritated.
Save exact problem. Never does it when repair guy is here. He replaced the computer card and now the display is much brighter when it dies after 3 to 5 seconds. He can't recreate it, but it happens once or twice a day. Reprogramming date and time often leads to the same problem immediately, sometimes not until the next day or two.
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
a 6ya expert can help you resolve that issue over the phone in a minute or two.
best thing about this new service is that you are never placed on hold and get to talk to real repairmen in the US.
the service is completely free and covers almost anything you can think of (from cars to computers, handyman, and even drones).
click here to download the app (for users in the US for now) and get all the help you need.
Posted on Jan 02, 2017
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Pittsburgh-based EQT Corp. intends to focus its efforts on Pennsylvania's Marcellus shale.
The company said it intends to sell off other assets to provide the needed capital to become a bigger player in shale drilling.
Click here to read the story from the Pittsburgh Post-Gazette.
Chesapeake Energy Corp,the Oklahoma-based firm is the No. 1 driller in Ohio.
Rig Count Interactive Map by Baker Hughes, an energy services company.
Shale Sheet Fracking, a Youngstown Vindicator blog.
National Geographic's The Great Shale Rush.
The Ohio Environmental Council, a statewide eco-group based in Columbus.
Earthjustice, a national eco-group.
People's Oil and Gas Collaborative-Ohio, a grass-roots group in Northeast Ohio.
Concerned Citizens of Medina County, a grass-roots group.
No Frack Ohio, a Columbus-based grass-roots group.
Fracking: Gas Drilling's Environmental Threat by ProPublica, an online journalism site.
Pipeline, blog from Pittsburgh Post-Gazette on Marcellus shale drilling.
Allegheny Front, environmental public radio for Western Pennsylvania.


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PNC's shares closed at $72.20 Tuesday, returning 25% this year, following a 4% return during 2012. The shares trade for 1.4 times tangible book value, according to Thomson Reuters Bank Insight, and for 10.5 times the consensus 2014 EPS estimate of $6.88, among analysts polled by Thomson Reuters. Based on a quarterly payout of 44 cents, the shares have a dividend yield of 2.44%. PNC data by YCharts
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GTL Baby! Jersey Shore Cast Signs For Season 2
It's official, Jersey Shore fans! The entire cast has joined together and signed a deal with MTV to come back to the small screen for a second season.
Snooki, The Situation, Ronnie, Pauly D, Sammi, Vinny and J-WOWW made it official last night after week-long contract negotations in which they were rumored to be… More »


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local digest
Local Digest
Woman finds man stuck under her car
After arriving home in Fairfax County about 7:30 p.m. Monday, a woman discovered a man's body stuck under her vehicle, a body police say she unwittingly dragged from a crash in Prince William County.
Prince William police said Tuesday that Carroll H. Humphries, 39, of Manassas Park apparently was struck on northbound Centreville Road near Patton Lane when he tried to cross through traffic. A Woodbridge man driving a 2003 Toyota Corolla allegedly hit him and then stopped at the scene.
But a second driver traveling northbound in a 2004 Nissan Quest struck Humphries as he lay on the ground, and she continued driving two miles to her home. She didn't realize what had happened until she found the body under her vehicle, police said. She called Fairfax police. Humphries died as he was being taken to the hospital.
Police said no one has been charged in the incident, but an investigation is continuing.
-- Josh White
High-profile bills get shot down
Two of the House of Delegates' most high-profile bills of the year, both sponsored by Del. Mark L. Cole (R-Fredericksburg), died in a Senate subcommittee Tuesday.
A subcommittee of the Senate's Commerce and Labor Committee killed one bill, which would have made it illegal for employers or insurance companies to require that people be implanted with microchips. The subcommittee also killed a bill that was designed to send a message to the federal government by declaring that all commerce that takes place exclusively in Virginia could not be regulated by the federal government.
Cole had said that privacy issues were the chief concern behind the microchip bill. But he also said he shared concerns that the devices could someday be used as the "mark of the beast" described in the Bible's Book of Revelation.
Senate Majority Leader Dick Saslaw (D-Fairfax) said that four senators thought the first bill was a solution in search of a problem, and the subcommittee thought the second was unconstitutional.


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A great costume!!! Fit perfectly and she won the Halloween Costume contest!!!!
I have two Morkies that weigh about 7 pounds. I got them the witch costume. The size chart was right on. They fit our puppies perfectly. The colors are beautiful and the quality is excellent. I would totally recommend this costume!!


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Review: Native Instruments Maschine
Audio production software has come a long way. Where as in the past one would typically use a number of traditional instruments, synthesizers, drum machines, mixing panels, etc., software has opened the door for many home studio musicians to produce music on a budget.
Although you could easily get along using software exclusively, you may still want to use a controller when recording music, so you can actually "play it" instead of programming everything.
Native Instruments has recently introduced Maschine, a powerful combination of software and hardware, or as they put it, a complete Groove Production Studio.
MASCHINE combines the flexibility of computer-based music production with the ease of a groove box into one powerful creative tool. Utilizing onboard samples or your own audio files, MASCHINE's symbiosis of hardware and software not only ensures a fast and fun workflow, but lets you easily turn your ideas into professional productions.
So let's take a looks at what this Maschine is all about!
Where's the installation disk?
I generally don't read manuals anyway, but Native Instruments doesn't encourage me much either. I open the box and the first thing I see is this lovely control surface. All I can think is "hook it up man, let's get going!"
I am a long time Windows user though, so I know better than to just hook up anything USB without checking for drivers first. The installation disc was all the way in the bottom of the box, so I almost missed it.
The installation of the drivers and Maschine software was a breeze; it just takes a while to copy all the content from the DVD. After authorizing Maschine in the Service Center, I figured it was a good idea to download the latest update as well. All set to go, let's see what we have here!
The Hardware
16 pads, transport controls, LCD displays… The Maschine controller does a convincing MPC impersonation, doesn't it?
The controller is quite compact and has a sturdy, high quality feel to it, even though it is only partly metal. Hooking it up to your computer with a USB cable, the Maschine controller powers up with its lovely backlit LEDs. Groovy! I know design is a matter of taste, but I feel NI did a smashing job with the looks of this thing.
The illuminated pads feel nice and responsive (velocity and aftertouch can be configured to your liking) and all of the 41 buttons are backlit. Great for working in a setup with little light, e.g. a live performance.
The controller features 11 endless rotary encoders, which have a smooth feel to them. The two LCD displays are clear and easy to read (as long as the angle is steep enough; the contrast can be adjusted) and have plenty of space to display the parameter pages.
Besides using the controller with the Maschine software, you can also control external MIDI hardware (via MIDI in/out on the back panel) and other software. The pads, knobs and buttons can all be customized with the included controller editor application.
The cool thing is that pretty much everything in Maschine can be done from this dedicated controller. You would almost forget that there is a piece of software doing all the actual work.
The Software
The Maschine software is basically an advanced pattern-based sequencer application which allows you to create patterns, group them, and arrange them in "scenes". It can be used standalone or as a plug-in, so you can integrate it into your current setup.
Some key features of the Maschine software:
- Browser – the browser provides an interface to all your projects, scenes, instruments, samples, effects, etc. Searching is easy with tag-based searches, key words, and attributes, quite much like KORE.
- Sequencer & Arranger – the advanced sequencer, or pattern editor, features both step programming and real-time recording. 8 groups of 64 patterns each can be arranged in up to 64 scenes in the arranger section. The sequencer supports live automation for effects, sampler and mixer parameters.
- Effects – there are 21 effects (or FX) which can be used as insert effects to each group, sound, or the master (in 2 FX slots). You can also create send effects and multi-effects, or route an effect to external gear.
- Sampler (engine) – records both internal and external audio, audio editing & slicing, resampling, extensive playback features including various envelope and modulation options, and 8 individual stereo outputs (16 mono outs).
Maschine comes with a sound library featuring 5 GB content in 15,000 samples.
It includes 300 drum kits, 280 multi-sampled instruments, 400 sliced loops, 6,500 one shot samples, 100 FX presets and 55 FX chains. You'll also get 50 projects which are a good way to explore what Maschine can do.
The included sounds were provided by numerous sound designers and artists, including Matthew Herbert, Montana B, Amon Tobin, Goldbaby, Denaun Porter, Sonic Specialists and many others.
The library features a good variety of sounds, mostly suitable for electronic music, i.e. urban, hip hop, R&B, techno, house, dubstep, etc.
Reader question: Torley wanted to know how much of the sample content is new material.
I asked Native Instruments and they told me that even though a few kits were taken from the Battery library, those were remastered through a special mastering setup of high-quality analog outboard gear. The vast majority of the library is brand spanking new material.
Besides using the sound library, you can also use your own samples in Maschine (currently only wav/aiff, but I think REX support will follow). In order to have them available for selection on the hardware controller you will need to import the samples into Maschine's library (it will create a reference to the sample, not a local copy/move).
It is probably a good idea to tag your imported samples as well. It may take some time to do, but you will be able to find your samples much faster in future projects. If you are familiar with Kore, you will know the power of this type of browser system.
The Magic
However cool the controller might be, without the software you would only be able to use it as a regular MIDI controller. And although the sequencer works fine without the controller, it is when using the complete package that the magic happens.
Reader question: Benebomber wondered if working with Maschine is intuitive, more specifically when digging a bit deeper (e.g. recording your own samples or tweaking them).
I would definitely say it is. When I got the Maschine I opened the box, installed the software, hooked up the controller and a few minutes later I was creating beats. For more advanced things — like recording and editing your own samples — you might want to work on the screen, but you could also do it on the controller itself. Whatever fits your workflow best.
I personally prefer to use the menus on the controller and leave my computer keyboard and mouse alone as much as I can. Maschine is perfect for this.
Native Instruments has a number of excellent Maschine videos showcasing its features, including live recording, sampling, automation, and how to control Ableton Live. Here's the Maschine introduction video.
An even better way to understand what Maschine is all about though is to actually get some hands-on experience with it. Maschine is just a lot more fun to work with than it is to write about it, so I would advise you to go check it out at your local music shop. You need to tap those pads, browse the sound library and play with some of the demo arrangements to see how you like it.
Maschine retails for an MSRP of $669 USD / 599 EUR, and is available from the NI Online Shop and dealers worldwide.
So what do I think?
From the moment I held it in my hands I loved Maschine's control surface. I really like the black finish and backlit pads & buttons, and overall it feels like a quality piece of hardware. I'm a bit of a compulsive tapper — tapping beats on my desk all day long — so I am not surprised that I enjoy using these pads to record my beats a lot more than having to construct them with my computer mouse.
Working with the controller is a delight. Incidentally I would have to look something up, but most of the time I could find everything right away, which is telling of Maschine's intuitiveness. I like the Maschine controller so much that I find myself using it in MIDI mode with other virtual instruments and effects as well.
Maschine's software is deep, offering much more than the simple pattern-based sequencer it might appear to be. You have detailed control over your sequences, and a vast amount of quality effects and modulations are available, as well as a quality sound library and extensive editing features.
In standalone mode it basically provides you with all you need to create your music from scratch.
Of course, there is still room for improvement as well. I personally did not encounter any real problems, but it is good to know that Native Instruments is working on some important changes for the version 1.1 update, which should make a lot of people happy (e.g. MIDI in/out, REX support, better slicing options).
In short, Maschine is a powerful piece of software bundled with a superb controller. The two work together seamlessly and it truly feels like a proper instrument. Plus, it is tons of fun to work with!
Visit Native Instruments for more information.
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73 Comments on "Review: Native Instruments Maschine"
This was a good review. I may end up making a purchase after it's been out a good while. By that time, it should be well seasoned with updates and improvements.
I'm about to purchase NI's Komplete5. It's on sale at Sam-Ash, for $399 man! I hope it's not an error in the sale book.
So where the review? All I saw was 99% marketing copy and 1% gushing about the hardware.
The software sucks. You don't have the guts to say it because you're taking money from them. But you don't have any qualms for passing off an advert as a review. Shame on you.
very interesting and Hands on review :)
strangely, even you dont go deep into details your review is more useful than many magazine review…. very cool :)
I really don't know what people expect from the review. It's simply one persons opinion. You may feel differently about the package than Ronnie does.
Software is like food….Taste varies. I may like a burger from a certain restaurant that you feel sucks. NI's site, has videos about every aspect of Maschine. Have you checked them? Have you tried one at a music dealer?
so many gear, computer etc etc smell chemical when you first open the box… :)
The software seem ok to make loops, then maybe it lack some things as its very new… but Ni usually follow their software and update them well…
I think if the HARDWARE PART was really lacking that would be a bigger problem… but i saw the Maschine control surface and its very good quality, 2 screens, many knobs, buttons feels ok etc etc…. with that they just have to update the software well and they have a winner….
By the way i have kore2 controler and i feel the rotary encoder feel fragile….
Maschine seemed better quality…
@Karen That was rude and useless.
@Ronnie Thanks a lot for doing this review and answering my question! I'm sure if you felt disappointed about anything, you'd share with us (as you have in the past).
Maschine looks nifty and altho I'm not sure where it'd go in my current workflow, I look forward to seeing where it grows.
The review WAS insightful.
I have outdated stuff so I am in the market to update. or rather replace.
I think the unit looks quite interesting, so the "marketing" in the comment above does pay.
Has there been any mention of specific module units for Maschine?
Since it uses MIDI and USB, I figured this could be accomplished with my pc.
Karen, buy one and post YOUR review.
If you have VALID objections about it, I'll buy your unit.
I'm very interested in this combo. However, my old 12″ powerbook doesn't meet the system requirements:
Mac OS® X 10.4, Intel® Core™ Duo 2 GHz, 2 GB RAM , USB 2.0 Port, DVD drive, 5 GB free disk space for full installation
My old PB is only a 1.5 GHz G4 with 1.25 GB Ram. Has anyone tried to run the Maschine on a similar setup?
(I know this sounds like a stupid question, but I've often had success running software on my old mac even if it didn't meet the minimum system requirements…)
This product could be amazing but only if NI delivers on the 1.1 update. If they fail to do this I think the maschine will really take a blow.
I really want them to get this right as I will definitely buy one if they do.
So…can you load samples in this thing
and gig it or do I need my laptop also?
If they would have put 1/4 inputs/outs, a power supply and a hard drive, so you could load samples (your own and stock) this would
have been the best thing out there.
N.I. please do this in the next version.


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Forget Draghi: Spain is in Real Trouble
The IMF's 188 member countries convene in Tokyo this week as low growth damped by fiscal consolidation in the richest economies hurts developing counterparts from China to Brazil. As the IMF urged measures to boost confidence, uncertainties out of Europe show no sign of abating, with leaders still divided over a banking union and Spain resisting a bailout.
Speculation that Spain was on the brink of applying for an EU bailout from the newly launched European Stability Mechanism (ESM) was rejected by Spanish Finance Minister Luis de Guindos. Germany's Schäuble was also confident that Spain would be able to recover without outside help. "I'm always listening closely to what the Spanish government says. And I can confirm that the government says the country doesn't need a bailout. Spain is doing everything that's necessary – in financial policies and structural reforms. The problem that Spain has is with its banks, and that dates back to the real estate bubble of the past years."
Record unemployment, a shrinking economy and growing protests are making things difficult for the government in Madrid. The interest it had to pay on bonds had recently dropped to 5.69 percent, which is a rate considered only just bearable. London chief economist of bank Unicredit, Erik Nielsen, described the situation in a recent analysis as one that most likely would persist for another months. Only if the interest rate Madrid had to pay on bonds was to rise, would Spain need to apply for a bailout, Nielsen wrote.
Fitch Ratings has said repossessed properties in Spain are worth 48 percent less on average than the value assigned when their mortgages were originated.
Spanish business people, upper middle class families and their loan guarantors, typically parents of first-time buyers, now account for 60 percent of foreclosures in Madrid, according to AFES, an association that advises homeowners facing repossession. Three years ago, 80 percent of foreclosures were on the homes of immigrants, usually the first to lose jobs and fall behind on loan payments in a souring economy. They now comprise 40 percent of the total, according to AFES.
In the run-up to the current crisis, banks sold retail customers 22 billion euros of high-yielding preferred shares. Bank losses deepened, the securities plunged in value and the retail customers saw their savings diminished, and in some cases, locked in an illiquid product. Now, angry Spaniards are finding an outlet for their frustrations, according to The Wall Street Journal: threatening and slashing tires of bank employees, vandalizing branches, or stalling operations by slowing tellers with repeated requests to withdraw 50 cents at a time.
Entrepreneurs who refinanced home loans to support businesses at the beginning of the crisis in 2008 have gone bust or failed to keep up with payments and now make up 15 percent of Madrid home foreclosures. Once-affluent families, who until recently had been able to buy time by selling assets other than their homes, represent another 25 percent, according to the AFES study carried out last month.
Economist Shayne Heffernan takes a look at the Spanish Banks Stress Tests
Having reviewed the core data from the Banco de Espana I have come to a very different number than the much publicized $76b shortfall in the Spanish banking system, my number is $300b.
Before we get to the raw data lets take a look at the Economic parameters currently defining the Economy of Spain.
Spain's already terminal debt as a ratio of gross domestic product (GDP) will reach 90.5% by end 2013, according to the document presented to parliament for approval, almost three times that registered before the property bubble burst in 2008, property prices continue to slide and that fall will be exacerbated by high unemployment, chronic over supply of real estate and diminishing international demand. The real ratio by 2012 will be 95% plus.
The budget details spending cuts of 3.1% in health, 14.4% in education and 6.3% in unemployment benefits, as the recession, which began in the first quarter, drags on.
Spain will also slash state funding to commerce, tourism and small, and medium-sized companies by 18.8% and infrastructure by 13.5%.
Unemployment in Spain is more than double the European Union average, with half of all working-age under-26s unable to find jobs and shattered businesses laying off employees they cannot afford to pay. The rate is 25% unemployment rate (the rate is above 50% for those under age 25), for those with job things are not much better with new tax hikes, and new "austerity" spending cuts.
Real Estate: The average price of houses and apartments declined 14.4 percent from a year earlier, the most since the measurement began in 2008.
Using these parameters we would expect a similar rise in bank loan defaults.
With the parameters set lets look at the individual data in the results themselves set out below.
After discounting expected earnings, reevaluating the Real Estate component, taking in to account the bad debts and shrinking economy we arrive at a short fall of $300b (calculations are available to HCM clients).
The $300b number is conservative in my opinion as it does not discount the value of Government Bonds owned by the Banks. In my opinion these do not value as high grade debt, they are at best questionable.
In valuing such instruments in general I am using a discounted rate of 18% to face value, more than fair given the Greek default.
Copyright Live Trading News All rights reserved.
Shayne Heffernan
Shayne Heffernan oversees the management of funds for institutions and high net worth individuals.
Shayne Heffernan holds a Ph.D. in Economics and brings with him over 25 years of trading experience in Asia and hands on experience in Venture Capital, he has been involved in several start ups that have seen market capitalization over $500m and 1 that reached a peak market cap of $15b. He has managed and overseen start ups in Mining, Shipping, Technology and Financial Services.Read the Terms of Service


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Normal, loving men (or providing spouses of either gender, to be honest) do not use budgets and money to dominate their partner.
I've been the "breadwinner", and the SAH spouse. Nothing changed, except that dh now has his name on the chequing account. (The bank wouldn't let us put his name on until he became a legal resident of Canada, and he got a job shortly afterwards.) It was our money when I WOH, and it's our money now that he WOH. We discuss all financial decisions. Money has never been an issue for us, even when we have none. It was always an issue with my ex.
You are in a partnership, and you're being treated like an employee...or a slave.
OP: Stop trying to justify yourself. Stop worrying about whether he sees you as a desirable wife and mother. You are. HE IS THE ONE WITH THE ISSUE. He wants you to take ownership of his crap, because then he can blame you for everything that's wrong. I can't tell you not to accept his game, because you have to be ready to hear it. But, he is playing games with you...money is the gameboard and your children are the stakes.
Lisa, lucky mama of Kelly (3/93) , Emma (5/03) , Evan (7/05) , & Jenna (6/09)
Loving my amazing dh, James & forever missing Aaron Ambrose (11/07)
OP, you are a battered wife. Others have posted it more politely but the way your DH controls you through money is abusive. It is almost never better for the children to grow up in an abusive home. It certainly isn't better for you.
Find a women's shelter and ask for help if you have no family or friends you can count on. Seek counseling for yourself at the very least. If your DH will go, GREAT. If not, you go and get yourself taken care of.
I think that you should see a lawyer who can tell you exactly what to do and how to do it. Good partners don't compare you to everyone else in the neighborhood. He is abusing you, but you don't have to BE abused.
Our children make a study of us in a way no one else ever will. If we don't act according to our values, they will know.~Starhawk New User Agreement! http://www.mothering.com/articles/user-agreement
Oh my dear Mama!!!!
I am glad counselling has started. Please keep us informed on how it goes.
While my situation has not been exactly alike there have been times when my marriage was so empty and I wondered WTF the point was. I too have asked myself these questions... where would I go? how would I pay for things? would I be able to do it on my own?
Getting counselling is a good start. A good counsellor will see what is going on and be able to shed some light on the situation. Of course where counselling goes depends on how committed both parties are. (We went to a counsellor once who actually asked us to stop coming because dh wasn't talking about himself, only blaming me, and basically we were wasting his time. This was very disheartening.)
My point is you've made a good step in a new direction. We don't know where it will lead but good for you for making him go to counselling. And kudos to you for putting all the bills in his name!!! He needs to have some responsibilities put into his lap!!!
Don't be a doormat. You've stood up to him, now you need to continue to do that. Tell him what you need. Even if he doesn't hear it. Keep telling him. Eventually it will get through. Remember the squeaky wheel that gets the oil?
Take care of you!!!!! And please continue to write we are here for you Mama!
If you are a family, then you are one unit. There shouldn't be "his money" and "her money" - it is all family money. We aren't even married and have had a joint checking account for some time now. It was just a part of becoming a family for us.
Our debts are also joint. Even the debts he accrued with his first babymama, I consider mine because we are in this together.
I couldn't be with a man that didn't see things this way. We both make different contributions to the family (He brings home most our our income, I do most of the things required to run our home), but they are both equally valuable. We are a family, a partnership - not a dictatorship.
Saamy Student mama to and and
There are three things I learned about life. It goes on. -Longfellow
RIP DH DJ Delicious but mucho gracias for our children and all I have learned
If you are a family, then you are one unit. There shouldn't be "his money" and "her money" - it is all family money. We aren't even married and have had a joint checking account for some time now. It was just a part of becoming a family for us.
Our debts are also joint. Even the debts he accrued with his first babymama, I consider mine because we are in this together.
I couldn't be with a man that didn't see things this way. We both make different contributions to the family (He brings home most our our income, I do most of the things required to run our home), but they are both equally valuable. We are a family, a partnership - not a dictatorship.
I *totally* agree!!! However getting my dh to see that is another story!!!
Hopefully in time he will see that we are in this together!!!!
i ask you this - do you want your daughters to grow up and be treated this way by their spouses? do you want your sons to grow up and treat their spouses this way? you need to teach them that this behavior is *not OK* - the only way i see to do that, frankly, is to leave.
i honestly can't imagine how your financial situation could get much worse. if you were on your own you would at least qualify for food stamps, WIC, etc. because you wouldn't have his income holding you back from it. and i can't imagine why a divorce court wouldn't grant you child support for the kids that are his, if not spousal support to boot.
at the very least, take all your checking account records (which document all the bills you pay out of that account and what $$ is being deposited, to show that he's not giving you any) and put them in a safe deposit box, take them to your mom's house, or someplace else that you're sure is safe. you need to at least keep the financial documentation and "proof" that you are shouldering all this burden so that if it does come down to divorce, you will have it to show the court. i can't imagine a judge in the world that would not give you plenty of child support, and even spousal support, in a situation like that. probably even a portion of any investments or retirement accounts he might have as well. if you're not ready to leave right now, just at least protect that information in case you need to use it later. for the sake of your kids.
i stay at home. my husband works. he puts ALL his money in a joint account. i pay all the bills and take care of the day-day finances. he takes care of savings - which are in BOTH are names. in 5 years time or so, when i'm working full time and he's home, i will be doing the same thing.
Midwifery student , Mama to my 4 amazing kids.
One thing that was mentioned is that the child support that you are using to pay to support your husband and all of the dc, does belong to the dc of the father who is contributing, no? I mean, if your ex found out that he was paying your husband's bills and for him to be able to afford golf and big screen tvs, could he not then go to court to have the support order withdrawn or at least reduced? This other man is PAYING a complete stranger's bills! I cannot imagibne that he is agreeable to this.
Obviously there are more urgent matters at hand, but aren't you concerned that you'll lose the support from your ex if you don't do something to stop this? Can't you at least put that money away into some sort of account that prevents its being spent (until the children are certain ages), especially because you clearly wouldn't need it at all if your husband were contributing his share to the life you both agree to live (although obviously he's the one living it : )?
Please keep us posted.
Well, I've been absent for 8 months, and during that time, it turns out that I have completely transformed. You are all precious. Thank you for being here and sharing your lives. You are truly a gift. Jan. 23, 2012
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Lucie – Sexy cake maker fucks in office – E518
Released: March 5, 2016
Lucie is a sweet babe who happens to make cakes for a living. However, her dream job is modelling so she came to our agency looking for a way to find some modelling work. I told her…


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|"Wendy Smoak (JIRA)" <j...@codehaus.org>
|[jira] Commented: (CONTINUUM-1286) better control with trigging of builds through dependencies
|Wed, 09 Sep 2009 23:02:31 GMT
[ http://jira.codehaus.org/browse/CONTINUUM-1286?page=com.atlassian.jira.plugin.system.issuetabpanels:comment-tabpanel&focusedCommentId=190432#action_190432 ] Wendy Smoak commented on CONTINUUM-1286: ---------------------------------------- Is this still a problem in the latest release? > better control with trigging of builds through dependencies > ----------------------------------------------------------- > > Key: CONTINUUM-1286 > URL: http://jira.codehaus.org/browse/CONTINUUM-1286 > Project: Continuum > Issue Type: Improvement > Components: Core system > Affects Versions: 1.1-alpha-1 > Reporter: Eirik Maus > > seems like a build for a dependent module is triggered each time a dependency is built. This seems to cause modules several levels down in the dependency graph to be built many times for the same change in a root module (propagated once for each intermediate dependency relation). A module should not be added to the build queue if it already is in the build queue. > Also, if scm timestamps are propagated through the builds (seperate jira issue), it would easily be confirmed that the dependent module already is in the build queue with the same timestamp, and that one build of the module would be sufficient. Today it would be several builds, each from head with a few minutes between, with modules near the end of the dependency chain being built often and against different scm timestamps than the intermediate modules. -- This message is automatically generated by JIRA. - If you think it was sent incorrectly contact one of the administrators: http://jira.codehaus.org/secure/Administrators.jspa - For more information on JIRA, see: http://www.atlassian.com/software/jira
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Do you want to make Ohio.com your homepage?
Doyle McManus: Another worry about drones — are they strategically sound?
A Yemeni protestors shouts slogans denouncing air strikes by U.S. drones during a demonstration in front of the residence of Yemen's president Abed Rabbu Mansour Hadi in Sanaa, Yemen, Monday, Jan. 28, 2013. The U.S. has intensified raids by drones against suspected al-Qaida militants in Yemen since the beginning of January, 2013. (AP Photo/Hani Mohammed)
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Michael Richards signed to TV Land sitcom pilot
FILE - This Nov. 17, 2004 file photo shows actor-comedian Michael Richards at the release of the first three seasons of the "Seinfeld" on DVD in New York. TV Land says it has cast Richards in a pilot for a prospective new sitcom. The series, "Giant Baby," would also feature fellow "Cheers" alums Kirstie Alley and Rhea Perlman. The pilot will be taped next week, the network said Tuesday, dec. 4, 2012. "Giant Baby" focuses on Maddie Banks, a Broadway star played by Alley. Richards plays her limo driver while Perlman plays her assistant. (AP Photo/ Louis Lanzano)
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Constructing an bureau from excoriation is a discouraging project that brings visions of big costs, windward linked delays, and unreliable contractors. However, alternate creating from raw materials methods can be busy to change magnitude this annoyance. A modular office, likewise referred to as a ready-made construction, is a quicker, and more cost efficient skill of building an business establishment.
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Reluctant Partners: A History of Multilateral Trade Cooperation, 1850-2000 (Studies in International Economics)
Music and Altered States: Consciousness, Transcendence, Therapy and Addictions
Witness in Death
Dystonia (World Federation of Neurology Seminars in Clinical Neurology, Volume 3)
Financial Turnarounds: Preserving Enterprise Value (Financial Times Prentice Hall Books)
Computer- und Video-Spiele. Alles, was Eltern wissen sollten
21st Century Criminology: A Reference Handbook
Computational Fourier Optics : a MATLAB tutorial (SPIE Tutorial Texts Vol. TT89)
Brain Injury Survival Kit: 365 Tips, Tools and Tricks to Deal with Cognitive Function Loss
Accentuation and Active Interpretation (Palgrave Studies in Pragmatics, Languages and Cognition)
Wings of Fire: An Autobiography of APJ Abdul Kalam
Risk Management for Central Bank Foreign Reserves
Dr. Pascarelli's Complete Guide to Repetitive Strain Injury: What You Need to Know About RSI and Carpal Tunnel Syndrome
Cofactor Biosynthesis: A Mechanistic Perspective, Volume 61 (Vitamins and Hormones)
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Emotion in Dialogic Interaction: Advances in the Complex (Amsterdam Studies in the Theory and History of Linguistic Science, Series IV: Current Issues in Linguistic Theory)
Small Animal Dental Equipment, Materials and Techniques: A Primer
Hot To The Touch (Silhouette Desire)
Business Planning Pocketbook
Teach Yourself Beginner's Spanish (Teach Yourself Languages)
The Engine of Reason, The Seat of the Soul: A Philosophical Journey into the Brain
The Oxford Handbook of British and Irish War Poetry
Differential Diagnosis in Surgical Pathology: Expert Consult - Online and Print 2nd Edition
The Construction of Shame in the Hebrew Bible: The Prophetic Contribution (JSOT Supplement Series)
Practice Makes Perfect Italian Sentence Builder (Practice Makes Perfect Series)
Philosophy and Medical Welfare (Royal Institute of Philosophy Supplements)
Photoshop CS5 for Nature Photographers: A Workshop in a Book
The Great Power Struggle in East Asia, 1944-50: Britain, America and Post-War Rivalry (Global Conflict and Security Since 1945)
Marine Biotechnology II (Advances in Biochemical Engineering Biotechnology Vol 97)
How to Answer Hard Interview Questions: And Everything Else You Need to Know to Get the Job You Want
Conversations about Psychology and Sexual Orientation
Highland Rogue
The Color of Representation: Congressional Behavior and Black Interests
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text:
Hello, I am a very dark skin african american female. I have gotten 3 chemical peels before with Retin a added and it was a success I recently had microdermabrasion done and a chemical peel done after that in the same day, a week later my cheeks, neck and forehead are darker than they ever been.How can I treat this and also how long will it take for my skin to recover? Thank you!
Darker Skin After Microdermabrasion and Chemical Peel?
Doctor Answers 1
Darkening after microdermabraision and peel
Kimmie, One has to be very careful with dark as as any inflammation can cause hyper -pigmentation. I doubt that the microderm. would have caused this but maybe having a peel right after it could have led to too much inflammation for your skin. You might be more sensitive to this than usual. If a dermatologist treated you, go back to them and they will get you on a topical medication to fade the pigmentation. If you do not have a dermatologist I would see one as I don't think that this should be handled by an aesthetician
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Download ABC Islam Kids Muslims Free apk 1.2 free for Android smartphone
Posted by Digital Dividend Kids Alphabet Education Apps in Education | June 17, 2015 | 10 Comments
Apk file size: 28.0 MB
Teach your Kids Islamic words with ABC of Islam Free. Islamic knowledge is a must for all muslim kids. Teach them ABC in a new interactive way and teach them basics of Islam.
ABC of Islam Free is an interactive application that teaches your child Islamic words. With ABC of Islam we attempt to educate children with Islamic knowledge. We believe that learning the alphabet can be great fun for kids. The application consists of:
-- A Book (to learn) - The book gives Image, Audio and explanation for each letter with relation to Islam.
A for Allah
B for Bismillah
Read the complete ABC of Islam. Download the ABC Alphabets Islam today
-- A Game (for kids to listen to the alphabets and select the correct alphabets).
ABC of Islam contains sounds and pictures to memorize the alphabets, sounds help in learning pronouncing of letters where as pictures help you to recognition of letters.
Upcoming Features Include
Tracing of Letters
Pictures of the Holy Places of Islam
6 Kalimas of Islam
For detailed instructions on how to perform Islamic Prayers and Accurate Prayer Timings Please visit Salat Helper on www.salathelper.com
Join Ou FB Page https://www.facebook.com/SalatHelper
For issues and suggestions please email us at [email protected]
Islam book for Kids to learn basic Islam and Knowledge of Islam. Learn Islam ABC for Kids.
Best Islam Learning App for Kids Education
Whats new
--Available on Tablets
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Digital Dividend Kids Alphabet Education Apps part of our Education and have average installs from 10000 to 50000. Last Update June 17, 2015. Google play rating is 83.7349. Current verison is 1.2. Actual size 28.0 MB.
Similar applications
ABC for Kids All Alphabet Free18145 Comments
10 Comments
Hajad Lamadndas
My kid speeks english and this helped him to learn my launguege
jamil ahmad janjua
its excellent for kids learning
Naeem M
Good but no English
So Bariwala
Excellent For kid keep it up good job
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A Google User
Great for kids
irshad ahmed
too good. Allahamdullila. Voice is no t clear.plz improve it.otherwice it's a good app.I'll teach to my daughter. INSHAA ALLAH : )
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Great App Islam is peaceful region
Imran Naseer
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Nice and helpful


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A professional license is not required in Washington State to be a personal caregiver, typically referred to as a certified nursing assistant, however, a state-issued certification is required. You must pass specific coursework and submit a fingerprint card. Once it is all done however, you can move into a rewarding career of helping people with their daily living needs.
Take a certified nursing assistant course. You can sign up for classes at community colleges. Many nursing homes and retirement communities also offer the course free of charge if you are willing to work for them upon completion. Pass the course, which includes 85 hours of training, and you will be allowed to apply for your state certification.
Complete an AIDS training course offered through the state's health department. The course can be taken online during your free time. The state requires seven hours of training in transmission and the treatment and prevention of AIDS.
You can sign up for the class at the Washington Department of Health website.
Submit an application to the Washington State Department of Health to become certified as a nursing assistant. You must also submit a fingerprint card, which you can do by calling your local law enforcement agency to find out what hours it performs work related fingerprinting. As long as you pass the state's background check, submit proper proof of course completion and file a fingerprint card with the state, your certificate will be mailed to you and you can begin searching for a position in the field of care giving.
Tips & Warnings
- Do not lie about any criminal background convictions. It will appear during your fingerprint card investigation.
Related Searches
- Photo Credit Thomas Northcut/Digital Vision/Getty Images
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The 'Rowdy Rathore' director, who has choreographed all the star performances at the IIFA awards this year, will be dancing to his signature tunes like Muqabala (Kandhalan) and Kay Sera Sera (Pukaar) besides Main Aisa Kyun Hoon (Lakshya), Chiku Buku Railey (Chikku Bhuku) and two songs from his film 'Wanted'.
Other star performances at the awards ceremony on June 9 include Shahid Kapoor, who will be dancing to some tracks from South, Priyanka Chopra, Ranbir Kapoor and Sonakshi Sinha.
The IIFA Weekend is being held from June 7-9 in Singapore this year.


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- Sponsored Links -
Racing in Car Apk v1.1 Mod.Do you participate in a car race game s. Choose the car you want to use, and take your place on the track racing! Then Challenge your opponent and try to win the race! Fight to the end to win the race and to speed up the end of the race and the race without losing control. If you want to play this exciting racing game you can start playing immediately following links to download our game. Have fun.
Game Name: Racing in Car
Category: Android Games Download
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Release Date: 14/12/2015
Language: English
Size: 32.06 MB
Developer Company: Fast Free Games
File Type: .apk


text:
Citation Edit
State v. Veres, 7 Ariz. App. 117, 436 P.2d 629 (1968) (full-text).
Factual Background Edit
The defendant was charged, inter alia, with passing bad checks. As evidence, the State introduced bank records for a two month period, consisting of four separate sheets. These records were generated by a computer, and showed the number of bad checks, and the amount of each. A bank official was called to testify to the identity of the records, though he did not know the mechanical operation of the computer. The defendant objected to admission of the evidence.
Trial Court Proceedings Edit
The court relied on the Business Records Rule:
|Any record of an act, condition, or event, shall, insofar as relevant, be competent evidence if the custodian or other qualified witness testifies to its identity and the mode of its preparation, and if it was made in the regular course of business, at or near the time of the act, condition or event, and if, in the opinion of the court, the sources of information, method and time of preparation were such as to justify its admission.[1]
as the general law applicable to computer-generated evidence. The court emphasized the relevance of the clause "in the opinion of the court" in the statute and, based on the evidence admitted and the testimony of the bank official, held that there was "an absence of an abuse of discretion by the trial judge in admitting the exhibit in evidence."[2]


text:
Paragon 6325 Motla Snow Cone Syrup Orange, One Gallon
Ships in 2-3 days
Availability: In Stock
✔ Ready to use ✔ For use on shaved ice or snow cones ✔ Made with the finest ingredients ✔ No mixing, no messSee more product details
Earn $0.11 Loyalty Reward Points! More Info
Customers who bought this also bought:
Item Details
Serve slushies, shaved ice and snow cones with the mouth-watering flavor of the Paragon 6325 Motla Snow Cone Syrup Orange, One Gallon. This ready to use syrup, made of all natural ingredients with cane sugar, is an easy way to create flavorful ice treats everyone loves.
This syrup does not require any mixing or mess and comes ready to use. You simply pour it over your iced treat and serve. It can used with a syrup pump dispenser to ensure portion controlled amounts and one gallon yields up to 100 servings.
- Orange Syrup
- Ready to use
- For use on shaved ice or snow cones
- Made with the finest ingredients
- No mixing, no mess
- Brand:
- Paragon
- Model #:
- 6325
- Ship weight:
- 10 lbs
- Sold As:
- 1 ea
- Item Number:
- 0475-6325
- TigerChef ID:
- 126170


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text:
Prue, or so it appears, tries to telekinetically move a fork on the table without any success. When Phoebe comes downstairs and self proclaims herself a fashion blunder. Seeing Prue's attempts to move the fork, she fears Prue has lost her powers. It turns out, however, that Prue was in astral mode, which makes Phoebe relieved but unhappy because she hates Prue's "astral games". Prue tells Phoebe that they wouldn't last long against Belthazor, and is trying to train her astral self how to fight. Phoebe has a lunch date with Cole, and is nervous.
Prue drives to a dental appointment and finds herself being directed down a particular path. She does not know that Cole is doing the directing. She finally finds herself in front of a condemned apartment building and hears of a man still inside. She goes upstairs and finds the man cowering inside and begging her to go away. He complains of feeling everyone's pain all across the city, and even Prue's toothache.
Piper had met an old acquaintance and introduced Leo as a "friend", to his resentment. Piper did not want to answer the usual questions that would have followed introducing him as her fiance. Prue and Cole enter, followed by Phoebe, and Prue tells them of the shut-in. Cole slips into the kitchen, claiming to need to use the phone, and tells his shadow not to report to the Triad just yet. Leo believes that the shut-in is a budding empath and that Prue should help him. Cole offers the help of the Housing Authority in relocating the shut-in. Leo asks if he and Piper can come along with Cole and Phoebe on their lunch date, and Phoebe agrees.
At Crest Hills Psychiatric Hospital, Father Thomas sees a newspaper article on the shut-in, he tried to escape, but is restrained. Prue returns to the condemned building, having taken aspirin for her tooth. She has been told that the shut-in is called Vince, and is due to be arrested if he doesn't leave. Prue begs Vince to come with her, but he refuses to leave the room. However, he knows he'll die in jail. Prue tells him that she knows how she feels to have a power she didn't ask for. Vince tells her that he knows she feels something is coming after her. The deputy pounds on the door, and when he enters, Prue uses her power to hold the door shut and casts a spell to relieve his pain, not knowing that Vince is taking her by the hand. Vince is now ready to leave. Prue leaves, and Vince takes the deputy by the throat and burns him from the inside, killing him, the first sign he's no mere shut-in.
Cole, Phoebe, Leo and Piper are in a restaurant facing an awkward silence. Phoebe mentions the 49ers, and Cole, oddly, doesn't know who they are. Phoebe says "he isn't human" and Cole nearly chokes and asks for the check. Piper and Phoebe excuse themselves to talk, and Phoebe mentions that she's afraid Cole is pulling away from her. Cole offers to split the bill with Leo, and Piper covers for him.
Cole's pager sounds. He excuses himself and shimmers to Vince's apartment. Vince greets Cole as Belthazor. Vince is really a fellow demon, and Cole arranged for Prue to cross paths with him so he could pass his empathy to her. Vince says that Prue has about a day before the emotions she feels destroy her; since she's human, she can't handle them the way a demon can.
He is after Father Thomas, but Cole doesn't want Father Thomas harmed; he doesn't want to chance the witches finding out what has happened and reversing the spell. Vince doesn't think that's an issue; he says he's immune to witchcraft.
Prue tries to reschedule her dental appointment and begins to feel the emotions of people around her. In particular, she laughs uncontrollably in empathy with a patient being given laughing gas.
Cole seems to want to break it off with Phoebe. As Cole leaves the manor, Prue passes him and tells Phoebe that Cole is falling in love. Phoebe feels that Prue is wrong, but Prue says that Phoebe is in love, too. The two tell Piper and Leo that Prue has become an empath. Leo is worried that Prue can't handle being an empath because she wasn't meant to have that power. Prue thinks this was the power boost she was looking for in order to fight Belthazor. She feels the growing concern of Piper, Phoebe and Leo, and it causes her to telekinetically blow out the kitchen television. Phoebe offers to consult the Book of Shadows in order to help Prue control her new power, but Prue suggests that she go see Cole instead.
Piper and Leo offer to help, but Prue says she'll look herself; she can feel tension between them, and it's giving her a headache. Leo says he was embarrassed when he wasn't able to pay for lunch. He knows that Piper wants him to be part of the real world, but he really isn't a part of it. Piper tells him that she couldn't be more proud to be with him, and wants to share him with the world. They start to kiss, but Prue tells them she still has a headache.
Phoebe goes to Cole's apartment and kisses him as soon as she's in the door. Within minutes, they're in bed, passionately kissing in one of the most tender love scenes of the series. Phoebe stays and says "last night was magical."
Vince enters Father Thomas's former church and demands to know where Father Thomas is. A woman directs him to Crest Hills; he had a nervous breakdown after losing his ability to care for people. Vince kills her.
Prue cowers in the manor basement. She's picking up the emotions of the whole neighborhood and is trying to hide. Leo and Piper convince her to come out and help them find Vince, but not before Prue causes a beam to fall from the ceiling. They meet Phoebe outside the church and go to the room where Vince had been hiding. Phoebe gets a premonition and sees Vince's past victims as well as Vince killing a man who turns out to be Father Thomas. She didn't even touch anything; Leo thinks the room is full of psychic residue. Phoebe sees Crest Hills, and they go there and meet Father Thomas.
Father Thomas tells Piper and Phoebe that Vince is really a powerful demonic assassin named Vinceres. Father Thomas had been an empath and had actually been helping Vinceres when he thought he was human, but Vinceres tried to pay him back by killing him. He passed his empathy to Vinceres, rendering him unable to kill again. Father Thomas is fearful on learning that Vinceres is free; Prue feels his panic and shakes the entire room.
The sisters, Leo and Father Thomas return to the manor; Prue hides in the basement again. Father Thomas fears that Vinceres can't be stopped. The only reason Prue's spell worked was because Vinceres wanted it to work. Phoebe thinks that Prue could learn to channel the emotions she's feeling, and so become powerful enough to fight Vinceres. Father Thomas thinks Prue is too far gone, but Piper refuses to accept it, and convinces Father Thomas to talk to Prue.
Father Thomas tries to snap Prue back to herself. He feels that Prue is suffering because she's trying to fight the emotions she's feeling--the same thing Vinceres did. However, Vinceres was only able to fight the emotional load because demons can't feel human emotion. Vinceres bursts in.
Piper tries to freeze him, but it only slows him down. Piper cracks Vinceres over the head with a flowerpot, but it doesn't even scratch him. Vinceres flings Piper into a wall. Phoebe tries to attack Vinceres, but her kicks and punches have no effect, and he flings her into the wall as well. Piper tries to freeze Vinceres again, with no luck.
Father Thomas tells Prue to channel her empathy into strengthening her powers. Prue doesn't think she can, but Father Thomas tells her that she can feel all that it means to be human.
Vinceres has Phoebe by the throat and demands to know where Father Thomas is. Just then, Prue comes up from the basement with Father Thomas and Leo. Prue flings Vinceres into a wall and engages him, matching him blow for blow. Finally, she astral-projects and astral Prue leaps into Vinceres, who warps and explodes. Prue is no longer an empath.
Idol plays P3. Prue says she just came from the dentist and that he left her tongue numb. Piper says she is lucky he saw her. Prue says she was able to kill Vinceres by forcing him to feel all of the pain she was feeling as an empath; the emotional load literally tore him apart. Leo joins the sisters and says that Father Thomas has returned to his church. The four speculate that the signs that Prue received must have been either from Belthazor or from the Triad. Prue thinks she just got a preview of what her powers will be like once they grow to their full potential.
Phoebe goes to Cole's apartment; he's staying a little longer because an "associate" (who we know is Vinceres) didn't do as he was told.


text:
Naysayers move along. We love you Canada. We love CNTM--yay Rebecca--especially after the Cylon was replaced by the small orange man. We love Vancouver and Montreal and Hockey and beer with actual alcohol in it. We love Hockey and Anne of Green Gables and Pioneer Quest and $1.05 on the dollar and Hockey. And so we will not rest until you Canadians have iPhones that don't involve trips into Buffalo.
Thanks Andrew Regalson


text:
While it's not hard to buy replacement parts for Chevrolet vehicles, these days the necessity for nothing but the highest quality are required to repair your car or truck. Obviously, you didn't buy your Celebrity unless you understood you would be getting horsepower and American style both rolled up into one automobile. Anyone who operates a Chevrolet knows that when it comes to repairing their vehicle only the most superior replacement parts will do. You picked your Celebrity because its reliability and long-lasting quality agreed with your nature; so why would you be okay with second rate when it comes to great quality auto parts?
If steering weren't important, then all of our roads would be completely straight and there would be no need to turn. One key advancement from the 20th century that has improved how we steer is the Chevrolet Celebrity ball joint. Ball joints are connected to each control arm, and are a vast improvement over king pinsbecause they allow for rotation in three dimensions rather than just forward and backward. Rather than turning the spindle on just one plane, ball joints provide room for your spindles to wobble or pivot up and down.
When your Chevrolet requires a top quality replacement Ball Joint, there's no need to waste time looking anywhere other than the authority, Car Parts Discount. At Car Parts Discount, we have real customer support agents available with enough expertise to help you buy the correct Chevrolet Celebrity part for your project or repair. Given all the hassles associated with performing maintenance on your car or truck, let www.carpartsdiscount.com be the most authoritative website you go to make buying it easy. Just choose your year from the list below to find the right Chevrolet Celebrity Ball Joint for your 1990, 1989, 1988, 1987, 1986, 1985, 1984, 1983, 1982 model.


text:
1. Watch Your Money, Matthew Stafford Will Bluff
A comeback for the ages, topped off by this heads-up play by Stafford.
2. Inside Voices, Please
You think Jason Witten and Dez Bruant were discussing last night's World Series controversy? Yep, me neither.
3. White Men Can Jump?
Whatever this is, Stafford earned it after that final drive against Dallas.
4. The Jim Schwartz Leap Of Victory Rules Over All
The throwing of the headset really ties the whole thing together.
5. Nightmare Fuel Of The Week: Halloween Edition
Why so serious?
6. That's Using Your Head(s)
This can't possibly feel good. Just a guess.
7. Sad Player Of The Week: Drew Brees Edition
8. Let's All Stare At Tom Brady's Mutant Hand
9. Your Weekly Reminder That Football Is A Violent And Dangerous Sport
When the WWE comes to the NFL.
10. The Most Excited Jaguars Fans…
Are 4,271 miles away from Jacksonville. Well done, London.
11. Teamwork Wins Championships
No need to practice the tip drill this week. The Patriots secondary has this down cold.
12. "&%#@&^%$@*^%"
We've all been there, Miami coaches.
13. Best Job, Best Effort, No Catch
So close, Scott Chandler. Keep reaching for your dreams (and the ball).
Eighteen hits! Sucks that the Redskins offensive line never showed up today.
15. Matt Barkley, NFL Quarterback*
- Only in the sense that he played in an actual NFL game today. Beyond that fact, eh, not really.
16. Pierre Garcon Can Jump Higher Than You
A dark horse contender for Catch of the Year. The fullest extension and ball control while falling backwards. The judges give it a 9.8.
17. This Is The Longest Touchdown Run In Raiders History
Goodbye, Bo Jackson. Terrelle Pryor just bumped you from this particular record with a 93-yard rushing score on the first play from scrimmage.
18. So You Think Lance Can Dance
As you do, Lance Moore. As you do.
19. Fantasy Sleeper Of The Week: Marvin Jones Edition
To the 0.4% of ESPN fantasy football team owners who started Cincy's Marvin Jones (122 receiving yards, four TDs) at wide receiver today, please tell us what lottery numbers to play this week. (Thanks!)
20. Kansas City Chiefs Undefeated Status: INTACT
A 23-17 win over the Browns moves the Chiefs to 8-0 and HALFWAY TO AN UNDEFEATED SEASON. They have a road game in Buffalo next Sunday before a bye week. Then, it's a trip to Denver that could help decide the AFC West division crown.
21. They Know Not What They Do
The wave! Unless the Brits were purposely trolling American sports fans with this, we need to have a quick chat about in-stadium etiquette. *pulls up a chair*
22. The Precise Moment John Elway Knew He Had The Redskins Beat
We see you, John.
23. Your Weekly Reminder That Football Is A Violent And Dangerous Sport, Part 2
There was no flag on this play. Goodbye, Kirk Cousins.


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NI Paramedics to wear full riot gear and drive bulletproof vehicles
Paramedics in Northern Ireland are to wear full flame-retardant riot uniforms and drive armoured Land Rovers, it has been reported.
It is believed the move is a result of serious street violence and disorder over the last few years.
Other areas of the UK, including London, will also see paramedics adopt the new safety gear, similar to the current PSNI uniform.
The word 'Paramedic' will be written on helmets and vests, and bulletproof police Land Rovers will have 'Paramedic' written across the side of the vehicles.
Ambulance service medical director, Dr David McManus, told the press: "Nationally this is an issue that has been discussed for a number of years.
"Unfortunately we've had the opportunity to become involved in incidents of civil disturbance more frequently than elsewhere."