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Archive for December, 2012
Surplus abandoned as 'sledgehammer' hits revenues.Written by admin on December 23, 2012 – 9:16 pm
On Thursday, Treasurer Wayne Swan was forced to dump plans for a surplus and realign fiscal policy towards "jobs and growth" as collapsing tax revenues caused the budget to miss target estimates.
Cash receipts to the end of October are now 3.9 billion behind budget estimates. With a fragile economy, common-sense has finally prevailed and the Government has decided not to keep cutting expenditure to match falling revenues in a race to the bottom as the Australian economy continues to deteriorate.
Swan indicates there has been a substantial broad based hit to company profits across multiple sectors of our economy.
"Now, the main reason for this is the very substantial hit to profits that Australian companies have experienced in the early months of this financial year, and this isn't just in resources, it's right across the board – companies, in particular, being hit by the high Australian dollar," Swan remarked in his press conference.
"Let's put this in some perspective: in just four months, we have already seen the full hit to revenue that we were expecting for the whole year. Obviously, dramatically lower tax revenue now makes it unlikely that there will be a surplus in 2012-13," he said, later describing it as "a sledgehammer hit[ing] our revenues, [..] thanks to the deepest and most sustained period of global economic turmoil since the Great Depression."
Swan wanted to make it very clear, the government, at this stage is not committed to increasing government expenditure responding to one journalist's question with "I'm not loosening the purse strings. I want to make it really clear. I'm not loosening the purse strings. What I have decided to do, and I think this is the only responsible course of action, is not to cut to make up for a temporary revenue hole which has emerged of some significance in the last little while."
Another journalist was quick to question the temporary nature of the revenue hole, "You said just then that it was a temporary hole in the revenue. What gives you the confidence that it's temporary given I remember that you also said in 2008 we were going to have a temporary deficit and we've had a deficit ever since."
Swan responded with "That's because the Global Financial Crisis turned into a global recession and went on and on."
Swan indicates the Government will make a thorough assessment the situation in the New Year.
» Press Conference – October Monthly Financial Statement; Global Economic Downturn; Surplus; Australian Economy. – The Hon Wayne Swan MP, 20th December 2012.
Posted in Australian Economy | 40 Comments »
Credit Suisse goes underweight on Australian banks due to housing bubbleWritten by admin on December 20, 2012 – 8:23 pm
Credit Suisse has expressed concerns about the Australian Banking Sector in its latest research report. It fears job cuts, payment shocks and declining house prices could cause downside risks to earnings and dividends as Australia's households continue to de-leverage.
According to the research, leveraged investors are struggling to make money with low rental yields of approximately 3.2 per cent, but mortgage rates of 6.4 per cent. As a result, most investors can only afford to be 50 per cent geared, but actual data shows most investors are 60+ per cent geared and many on interest only.
"Essentially, investors are subsidising losses on their property portfolios out of wages, in the hope of future capital gains. But their ability to keep doing this will be stretched if house prices do not rise, and if payment shocks hit."
As they are already finding it hard to make money from residential property, it does not make sense for current investors to increase leverage and exposure to property. "Therefore, there is a distinct lack of momentum in the market to keep the bubble going."
Credit Suisse believes house prices are between 20 to 40 per cent overvalued and as potential buyers are concerned with affordability and job losses, "demand is extremely low."
"If demand remains low relative to supply, house prices could fall substantially."
It also believes "Households are under more financial strain than the official data suggest" and the "RBA is now too far behind the curve to prevent a major slowdown in 2013."
Interestingly, it believes if the RBA were to take deep, pre-emptive cuts to the cash target rate (1.5%), the end result may "not have to end disastrously", but it believes the RBA seems unsympathetic to mortgagees. It is unclear what exposure Credit Suisse has to the Australian residential property market.
But with so much of the mainstream media, the property industry and governments peddling real estate as a sure bet, the RBA does not want to refuel a new bubble built on abnormally low interest rates.
Posted in Australian Economy, Australian Housing | 15 Comments »
Lean on bubbles before they get too big? – Too Late.Written by admin on December 11, 2012 – 8:07 pm
Papers published today from the Property Market and Financial Stability conference held in August reveal Reserve Bank Governor Glenn Stevens opened the conference with remarks on if central banks should lean on asset bubbles before they get too big and out of control.
Using momentary policy to put downwards pressure on asset bubbles as they grow could affect growth in other sectors, but no action could cause pronounced instability and far greater consequences if left unchecked. Such is the case Australia faces now.
"I would have thought that by this point we have to conclude that simply expecting to clean up after the credit boom is not sufficient anymore; the mess might be so large that monetary policy ends up not being able to do the job when the time comes" remarked Stevens in August when the cash rate was 3.50 per cent.
Since the conference, the cash rate has been reduced to an equal low of 3.00 per cent last recorded at the heights of the GFC. Even at record lows, little life can be seen in Australia's residential property market as it comes to grips with exuberant household debt levels. Credit growth for residential mortgages continue to trend down to levels exceeding that of any records started 35 years ago. Economists expect the cash rate could reach 2.50 per cent next year. Some countries were forced to introduce quantitative easing (QE) and zero interest rate policy (ZIRP) settings after their large, unchecked housing asset bubbles started to correct.
Stevens continued, "Moreover, if the monetary policy clean-up after the asset price bust involves interest rates low enough to prompt some other sector of the economy to leverage up in order to spur the growth, then the clean-up itself might leave its own toxic consequences."
With deposit income quickly becoming eroded, investors are turning to higher yielding "safety" equities prompting some to call a "safety bubble." It appears the Reserve Bank of Australia are only too aware what the consequences are if the cash rate continues to fall to cushion the fallout of our housing asset bubble.
» Opening Remarks – Property Markets and Financial Stability, 20-21 August 2012 – The Reserve Bank of Australia, 11th December 2012.
Posted in Australian Economy, Australian Housing | 27 Comments »
We need to live within our means: Gina RinehartWritten by admin on December 6, 2012 – 9:02 pm
Gina Rinehart, the richest woman in the world, has over the past few years become concerned about the direction of Australia according to her latest article in the Australian Resources & Investment Magazine.
"It goes back to something Australian's used to understand well: almost every home understood that you had to earn revenue before you could spend it."
Rinehart said we need to start living within our means. "It may not be popular, but we need to get back to these basic understandings."
"The path of increasing debt that we are on will lead to the same problems than Europe has. This is some legacy our overspending is leaving for the next generations."
"I hope our young Australians look at what's happening in Europe and quickly realise the folly of the popular concept that money just falls from the sky without being earned, and that the government knows better than we how to spend our money and run our lives."
Earlier this week, Mission Australia released the results of its latest National Youth Survey. According to the survey of 15,000 young people in the 15 to 19 age group, the economy is now the biggest concern for this group, pushing the environment out of the number one spot.
Getting a job and being able to afford a house is now one of the biggest challenges facing the young. Others have parents who have lost jobs.
17 Year old Maddy Stedman told the Sydney Morning Herald, "When people are losing their jobs or finding it hard to get a job, the environment takes a back seat. The reality of needing to earn a living overrides the environment."
49 per cent of voters on a Sydney Morning Herald poll of 5819 people said getting a job was the biggest worry as a Teenager.
» Don't overspend, Rinehart recommends – The Sydney Morning Herald, 6th December 2012.
» What young people fear most – and it's not the environment – The Sydney Morning Herald, 5th December 2012.
Posted in Australian Economy | 11 Comments »
Can't avoid a recession forever: Ralph WatersWritten by admin on December 5, 2012 – 7:46 pm
Woolworth's & Fletcher Building Chairman, Ralph Waters is not surprised either that we have hit a bad patch. Yesterday, I expressed my view the current downturn was inevitable following a stimulus package designed to temporarily prop up an unsustainable, household-debt ridden economy.
Mr Water's told the Australian Financial Review the Government had only delayed the pain of the GFC though stimulus spending. "I'm not saying that [the stimulus] was the wrong thing to do or what was the better thing to do. We haven't had a recession, life hasn't gotten too bad, so on balance, it's pretty hard to criticise. But equally, it's pretty hard to be surprised we are going through our dull moment,"
"Australia avoided [a recession] but you can't do that forever and eventually we all have to have our moment. The difference in our moment is we are paying the debt and interest we tried to run up to avoid this."
» Rate cuts not enough: Woolworths chairman – The Australian Financial Review, 5th December 2012.
Posted in Australian Economy | 8 Comments »
Who's unqualified to run a modern economy?Written by admin on December 4, 2012 – 8:06 pm
Treasurer Wayne Swan describes today's 25 basis point cut to the official cash rate as "the early Christmas present that hard working Aussies deserve."
In a press conference after the Reserve Bank announcement, Swan told Australian's "We've now had the equivalent of seven rate cuts over the past year and of course that's been made possible by the Government's economic management, strong budget management and, of course, contained inflation. But it's also good news because it comes at a time when unemployment is low and economic growth is in much better shape than many other developed economies."
Today's rate cut brings the cash rate to 3.00 per cent equal to the low recorded during the heights of the Global Financial Crisis (GFC), a point not missed by one journalist who quizzed Swan with "Didn't you once refer to the level of three per cent as an emergency level, so how can today be all good news?"
But Mr Swan was quick to say things are different now. "Well, I've noticed today that there has been some characterisation about the level of rates now and a comparison with the level of rates back at the height of the Global Financial Crisis. Anybody who thinks that rates are at their levels now for the same reason they were at lows during the Global Financial Crisis simply can't be taken seriously when it comes to economic policy."
Kicking the can down the road.
Many will know since October 2008, I have been predicting a day when the wheels once again fall off and the Reserve Bank is forced to cut interest rates in vein to levels surpassing the GFC. How did we know?
We will let Wayne start the story. Earlier today he said, "Let's go back to the Global Financial Crisis: the global economy fell off a cliff, global growth was minus 0.6 per cent back then. Global growth is just below trend right now. Anybody who is making a comparison between rates then, at the height of the Global Financial Crisis, and rates now and saying that they are at the same level for the same reason, is simply unqualified to run a modern economy."
Unqualified to run a modern economy
In the two decades prior to 2008, Australian households had an insatiable appetite for debt. Household debt levels grew from 40% of household disposable income to just shy of 160%. 90 per cent of this debt was "invested" in the residential property market. But we were not alone, many countries saw similar unsustainable growth in household debt levels or house asset prices and this lead to the GFC.
But, in Australia we pretended everything was fine. With debt levels this elevated, a housing crash and associated deleveraging cycle would have been catastrophic to the wellbeing of our country. The then Prime Minister Kevin Rudd said "As Prime Minister I will not sit idly by and watch Australian households suffer the worst effects of a global crisis we did not create." It was clear; we had no role to play in this. None the less, an unprecedented stimulus package was needed to counter the effects.
If a source of David Llewellyn-Smith is right, the GFC stimulus package was designed by Treasury and provided to the Government with one omission. Yes, it was missing the First Home Owners' Boost (FHOB). Our politicians threw this gem in later.
Rather than try to encourage Australian's away from their debt addiction, the Government embraced it. Free money was offered to naïve young Australian's to leverage up into the Australian dream. Instead of letting an unsustainable bubble burst, they assisted to turn a large bubble, into an even bigger one; I suppose you could call it a super bubble.
From the Government's point of view, it was a leveraged stimulus plan – The Government provides $7 or $14k and gets tens of thousands, if not more, effective stimulus in return. Leverage had worked so effectively for decades prior.
Treasury executive minutes on the First Home Saver Accounts stated "The FHOB was announced 14 days after the FHSAs became available as part of the Government's first stimulus package designed to counter the effects of the global financial crisis. This short-term stimulus was designed to encourage people who had already been saving for a home to bring forward their purchase and prevent the collapse of the housing market."
It begs the question then, what happens when the stimulus finishes and all the first home buyers have brought their purchases forward? What, or who will fill the void?
This is the answer:
No one. Credit growth for housing is now running at levels not seen since records started 35 years ago.
Really, who would have guessed?
Falling house asset prices and deleveraging is now denting consumer confidence. The official cash rate might be 3.00 per cent but no one is buying.
Double trouble in The Lucky Country
While household debt levels were rapidly rising around the world, so was consumption. China was the biggest beneficiary. When the world economy ground to a halt in September 2008, China too, like many other economies was forced to enact stimulus measures.
For China, it told its state owned enterprises (SOEs) to build stuff – new office towers, new shopping centres, and new apartment blocks, new highways and railroads. To do this, they need resources – Australia's resources.
Clearly, I am hardly qualified to run a modern economy, but you have to ponder what the outcome would be today, if Australia's elevated housing bubble was left to correct and households were to deleverage. As luck has it, we may have been supported through this difficult time from a mining boom caused by China's stimulus package. Observing the United States housing market, asset prices have almost returned to sustainable long term trends.
Instead, we now have more headwinds and challenges ahead.
China's stimulus is running out as SOE's crippled with debt start winding back fixed asset investment. This has caused Australia's mining investment boom to wither, at the same time local residential construction is plummeting due to affordability and risk aversion.
The perceived safety of Australia has caused the Aussie dollar to remain artificially high and as Dutch Disease settles in, manufacturing is dying a slow death. In a once supercharged economy, productivity has taken a back seat.
But our Government does have a plan. It hopes housing construction can take over from where our commodities super cycle left off. I guess all we need is more leverage and another housing grant.
» Press Conference, Treasurer Wayne Swan – 4th December 2012.
» Statement by Glenn Stevens, Governor: Monetary Policy Decision – The Reserve Bank of Australia, 4th December 2012
Posted in Australian Economy, Australian Housing, First Home Owners' Boost | 14 Comments »
Housing recovery: Only hope remainsWritten by admin on December 2, 2012 – 3:06 pm
Only hope remains from the phantom housing recovery after the RBA released credit growth aggregates for October. Growth for housing credit has fallen to a positive 0.3 per cent, down from 0.4 per cent the month earlier. Over the 12 month period, housing credit is growing at just 4.7 per cent the worst figure on record.
Credit growth for owner-occupiers' is also firmly stuck on 0.3 per cent. Over the 12 month period, housing credit growth for owner-occupiers' has fallen to 4.3 per cent, the worst on record, from 4.5 per cent the month earlier.
This data would suggest the RBA can further cut interest rates this week without fuelling a new credit bubble in the residential housing sector.
» Financial Aggregates, October 2012 – The Reserve Bank of Australia, 30th December 2012.
Posted in Australian Economy, Australian Housing | 9 Comments »


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Enquiries about Lords business may be put to the Lords Information Office 020 - 7219 3107
Monday 16 July (2.30pm)
Oral Questions - Whether any sections of the Data Protection Act 1998 which restrict or inhibit medical research likely to save lives will be amended (L. Campbell of Croy); Whether the outcome of the review of the asylum seekers voucher scheme is expected to be announced before the summer recess (L. Greaves); Whether full membership of NATO for some or all of the nine current applicant states within the next three to four years is supported (L. Wallace of Saltaire); Whether the policy of the police not charging users of cannabis in parts of London has the Governments full support (B. Seccombe).
Legislation - International Development Bill [HL] (committee stage).
Unstarred Questions - What the social and political situation is in Pakistan (Bp of Rochester).
Introductions - Lord Condon and Lord Corbett of Castle Vale
Oral Questions - What changes are proposed in the Governments policy towards Macedonia (L. Blaker); How it is proposed to maintain law and order in Northern Ireland in the light of the £117 million shortfall faced by the police in Northern Ireland revealed in the final annual report of the Chief Constable of the Royal Ulster Constabulary (L. Glentoran); Whether it is intended to move forward on proposals to tax cars on entering traffic-congested urban areas (L. Renton of Mount Harry); Whether the Register of Interests now to be prepared is to be made available for public comment; and whether entries relating to spouses, relatives or friends are to be made without written consent of those concerned (L. Campbell of Alloway);
Legislation - Consolidated Fund Bill (remaining stages); Land Registration Bill [HL] (committee stage - 1st day).
Unstarred Question - Promoting tourism in the United Kingdom (L. Harrison).
Introductions - Lord Browne of Madingley and Lord Sutherland of Houndwood
Oral Questions - What, in the Governments assessment, are the economic, social and educational benefits of instituting a six-term school year as proposed by the English Tourism Council. (L. Harrison); How it is intended to ensure that National Health Service dental treatment is available to everyone living in London and other large cities (B. Gardner of Parkes); Whether the autumn sheep sales will be allowed to proceed; and, if not, what will happen to the breeding stock (B. Masham of Ilton).
Debate - Making Parliament more effective in holding the Executive to account, and therefore more relevant to voters (B. Williams of Crosby).
Unstarred Question - What assessment has been made of human rights abuses in China, and whether it is intended to re-assess the funding of agencies involved in population control measures in China (L. Alton of Liverpool).
Introductions - Lord Campbell-Savours and Lord Jones.
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Legislation - Land Registration Bill [HL] (committee stage - 2nd day)
Unstarred Question - What the response will be to the recommendations of the Parekh Report on the future of multi-ethnic Britain (B. Uddin).
Introductions- Lord Guthrie of Craigiebank and Lord MacGregor of Pulham Market.
Debates -Report of the European Union Committee on 'A Community Immigration Policy' (B. Harris of Richmond); Report of the European Union Committee on Minimum Standards in Asylum Procedures (L. Hope of Craighead).
Delegated Legislation - Representation of the People (Form of Canvass) (England & Wales) Regulations 2001; Representation of the People (Form of Canvas) (Scotland) Regulations 2001; Representation of the People (Form of Canvass) (Northern Ireland) Regulations 2001; Scotland Act 1998 (Transfer of Functions to the Scottish Ministers etc) Order; Transport (Scotland) Act 2001 (Conditions attached to PSV Operators' Licence and Competition Test for Exercise of Bus Functions) Order; The Home Grown Cereals Authority Levy (Variation) Scheme (Approval) Order 2001 - Motions for approval.
Introductions - Howarth of Breckland and Lord Ashdown of Norton-sub-Hamdon Lady.
Legislation - British Overseas Territories Bill [HL] (committee stage); Travel Concessions (Eligibility) Bill [HL] (committee stage).


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When they're done with lunch, students at an Oak Park school sort uneaten morsels into bins -- empty milk cartons and juice boxes into one receptacle, orange rinds and banana peels into another, and anything non-recyclable into a third, that one clearly labeled "landfill" to drive home the point.
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Shane Vereeen Shines in the Bear Football Backfield
Sept. 14, 2009
On Cal's Fan Appreciation Day, the line of fans waiting for an autograph from Jahvid Best extended beyond the two end zones. Teammate Shane Vereen didn't garner as much attention. A few folks circled the sophomore, including alumnus Quentin Cole, who was eager to exchange hellos again.
'As a person, he was a really nice, well-spoken kid, the kind of guy that you'd like to see representing the University of California,' Cole said of first meeting Vereen at the same event two years prior. Now, Cole said, 'With that unbelievable speed and elusiveness, I'm really excited every time he has the ball.'
In 2007, with Best and Justin Forsett atop the depth chart, Vereen donned a redshirt after leaving Valencia High School north of Los Angeles as a SuperPrep and PrepStar All-American and the No. 5 running back in the nation according to Rivals.com.
It was a different story in 2008. Vereen leapt onto many radar screens in his first game -- also his first start -- with 101 yards on nine carries in last season's opener vs. Michigan State, which he capped with a game-clinching, 81-yard touchdown run in the fourth quarter. On Oct. 4 he started again, racking up 93 yards on 27 carries along with five catches for 51 yards vs. Arizona State. Starting vs. UCLA Oct. 25, he added another 99 yards on the ground.
Vereen contributed to the 2008 Big Game with his first receiving touchdown, a 59-yarder, added a rushing TD in the regular-season finale against Washington and got 10 more touches (eight rushing, two receiving) in Cal's Emerald Bowl win over the Miami Hurricanes.
The latter stats, along with those from seven other games, came in a non-starting role, but whether or not Shane starts is a non-issue.
'I'm just trying to play the role that helps this team be successful, nothing more and nothing less,' Vereen said. 'If it means carrying the ball two times, then that's what it is. I just want to be able to help this team reach our goals.'
Vereen is soft-spoken about any need to be 'the guy', but running backs coach Ron Gould has strong feelings that Vereen means as much to this team as anyone.
'Shane is definitely an intricate part of our offense and our running back corps. I'm just so blessed and so ecstatic to have him as part of this team,' said Gould, who has coached seven consecutive 1,000-yard rushers going back to the 2002 season.
'I don't consider Shane as a backup to anyone -- he is a starter,' Gould said. 'He's a proven guy. He's very, very poised under pressure.'
Anyone trying to find daylight in a rift between Heisman hopeful Best, Vereen and their collective competitive drive will be as frustrated as the defenders who reach for them in vain. Their desire is the same.
'They're extremely competitive but it's not detrimental,' offered Gould. 'If Jahvid runs for 100 yards, Shane wants to run for 100 yards and vice versa. They really are very close and they do work in harmony.'
Best's perspective echoes that of his coach: 'Having Shane as a teammate, he works hard every day and that keeps me and the whole running back group working hard.'
'His style is similar to mine,' Best added. 'The thing he does is understand the game a little bit better than me. That's something I've been working on, just feeding off of him to get that part of my game.'
Comparing himself to Best, Vereen said: 'Our mind state -- the way that we think about the game, the way that we see the field -- is very similar to each other. He helps push me harder and I help push him more. It works really well for us. When he breaks a big run, I want to break a big run. It's a very competitive thing but at the same time, we're both learning from each other.'
Exciting for fans and unfortunate for the opposition is the potential for both players to be in the backfield together at times this season.
'There's a great possibility that the fans might see both Shane and Jahvid out there at the same time,' confirmed Gould. 'To be able to utilize the kind of talent those guys bring to the table is unbelievable and causes fits for the defense.'
Vereen said he sees today's opponent, Eastern Washington, as 'a new challenge and in no way, shape or form will we be taking them lightly.'
One thing's for sure -- no one's taking Shane Vereen lightly, either.
TODAY | 11:00am PTLive
Airing on:
- Pac-12 Network
- Pac-12 Arizona
Pac-12 PlaylistTODAY | 7:00pm PTLive
TOMORROW | 5:00pm PTLive
Airing on:
- Pac-12 Network
- Pac-12 Oregon


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Available on: The Litton - Semi-Detached, The Hawkcombe - Semi-Detached, The Chetsford - Semi-Detached, The Hawkcombe - End Terrace, The Chetsford - Mid Terrace, The Litton - End Terrace, The Sowy - Linked, The Badgworthy - Detached, The Redlake - Linked, The Badgworthy - Linked
To help take the hassle out of buying your new home, we work with our team of recommended local agents to sell your house on your behalf. You agree the selling price of your existing house - and we work to ensure that a buyer is found as quickly as possible. Terms and conditions apply


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Learn how we can protect you from abusive creditors & debt collectors.
Our firm can fight for your rights and protect you against credit card
debt collectors.
You may have rights to a lawsuit if there are errors on your credit report.
Learn more.
With the way that our economy and markets are designed today, our credit
is one of the most valuable assets we have. When something or someone
jeopardizes your credit reputation because of fraudulent activity or reports,
you have legal rights to seek correction of the errors and make sure that
they don't affect your financial standing.
My name is Michael Forbes and I can provide reliable advice regarding FCRA
statutes and reporting procedures. I am well versed in debt collection
and reporting laws, and have helped many clients with FCRA issues over
the years.
Call my law office for more information regarding credit reporting, and
to find out your legal options if your consumer rights have been violated.
Don't let errors on your credit report keep you from living life. If
you've noticed questionable or incorrect information on your credit
report, contact an attorney with experience in FCRA rights.
The Fair Credit Reporting Act (FCRA) was passed in 1970 to
regulate the collection and use of consumer credit information. Under FCRA guidelines, the Credit Reporting Agency (CRA) must tell you
everything in your report, including (in most cases) the sources of the
information. The CRA must also give you a list of everyone who has requested
your report within the past year (or two years for employment-related
requests). Additionally, everyone is entitled to one free credit report a year.
As a consumer, the FCRA guarantees your right to:
There is never a charge for the report if a company takes adverse action
against you, such as denying your application for credit, insurance or
employment, and you request your report within 60 days of receiving the
notice of the action. The notice will give you the name, address, and
phone number of the CRA.
In addition, you may be entitled to an extra free report if you're
unemployed and plan to look for a job within 60 days, you're on welfare,
or your report is inaccurate because of fraud.
The FCRA was enacted primarily to protect you, the consumer. Specifically,
the law states that you have the right to:
The FCRA also provides you with the ability to request a report from the
reporting agency free of charge if you were denied credit within the past
60 days, if you have been the victim of fraud or identity theft, if you
are unemployed and looking for a job or if you are currently receiving
public assistance.
If the CRA will not correct your report
Ask them to include your statement of the dispute in your file and in
future reports. At your request, the CRA also will provide your statement
to anyone who received a copy of the old report in the recent past. There
usually is a fee for this service. If you tell the information provider
that you dispute an item, a notice of your dispute must be included anytime
the information provider reports the item to a CRA.
How long can a CRA report contain derogatory information?
Information on a report can remain there for no more than seven years.
However, there are exceptions. Information about criminal convictions
may be reported without any time limitation. Bankruptcy information may
be reported for 10 years. Information reported in response to an application
for a job with a salary of more than $75,000 has no time limit. Information
reported as a result of an application for credit that exceeds $150,000
or life insurance has no time limit. Information about a lawsuit or an
unpaid judgment against you can be reported for seven years or until the
statute of limitations run out, whichever is longer.
To report fraud on your report, the first thing you should do is place
a FRAUD ALERT on your file with any one of the three reporting agencies. The alert will notify the agency to follow up with you about taking action.
Your options to mitigate the negative impact of the possible fraud include:
During the investigation into the possible fraud, it is important that
you document every action or conversation you take or have. Every creditor
has unique aspects to their methods of investigation; you and your FCRA
attorney should get all the information about the process so that you
can stay informed at each step. You can follow-up with the reporting agency
to ensure that they have made the necessary adjustments for the possibility
of fraud so that it does not affect your credit.
Correcting inaccurate or incomplete information
Both the CRA and the information provider have responsibilities for correcting
inaccurate or incomplete information in your report. To protect all your
rights under this law, contact both the CRA and the information provider.
First, inform the CRA in writing about the information you believe is inaccurate. The CRA must reinvestigate the items in question - usually within 30 days
- unless they consider your dispute frivolous. They must also forward
all relevant data you provide about the dispute to the information provider.
After the information provider receives notice of a dispute from the CRA,
it must investigate and review all relevant information provided by the
CRA and report the results back to the CRA. If the information provider
finds the disputed information to be inaccurate, it must notify all nationwide
CRAs so that they can correct this information in your file. When the
reinvestigation is complete, the CRA must give you the written results
and a free copy of your report if the dispute results in a change.
If an item is changed or removed, the CRA cannot put the disputed information
back in your file unless the creditor verifies its accuracy and completeness. Additionally, the CRA must give you a written notice that includes the
name, address, and phone number of the creditor. Next, tell the creditor
or other information provider in writing that you dispute an item.
Consumer reporting agencies have various responsibilities under the FCRA,
Consult the Law Office of Michael P. Forbes, Esquire, a
Philadelphia debt collection defense attorney if you believe
your rights have been violated under FCRA statutes.


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Washington Trust in Westerly, R.I., rode gains in its lending portfolio and lower operating expenses to a higher second-quarter profit.
The $3.3-billion-asset bank reported a profit of $9.8 million for the three-month period ending June 30, an increase of 10% from a year earlier. Earnings were 58 cents per common share, just shy of a 59-cent estimate of analysts polled by Bloomberg.
Strong returns from the bank's mortgage division fueled the rise in earnings. Net interest income increased by 9%, to $24.5 million. Total loans rose 8%, to $2.6 billion.
Meanwhile, the bank slashed its set-aside for bad loans, decreasing its provision for losses by 36%, to $450,000. Chargeoffs were $1.5 million, down 67%.
The net interest margin climbed nine basis point to 3.35%.
Earnings were also boosted by a drop in expenses, following the bank's first-quarter sale of its merchant processing business. Noninterest expenses fell 10%, to $22.4 million, on lower salary obligations.
Lower expenses helped compensate for a steep drop in noninterest income, which fell 22% to $12.8 million. The bank attributed the lower fees to a decrease in loan sales and divestiture of its merchant processing line.


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When we perform a planned failover using "vfiler dr activate" and bring up the dr site and try to access the filer via computer management we are denied access. When we look at the permissions the administrators group on the vfiler is wiped out and we have to re-add the administrators group.
Is it a local account or is it a domain account? If a domain account is the domain available? Does "vfiler run vfilername useradmin user list" and "vfiler run vfilername domainuser list -g administrators" match on the source vfiler and the target dr vfiler? It might be that the group is there but not able to resolve. The vfiler entry should match exactly for the users, but if not then that sounds like a possible bug and should have support check to make sure.


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Gracias for all of the Birthday wishes! Below you will find some random ramblings of a recently aged 25 year old:
Well, today is the day. I was officially born a quarter of a century ago. It's so funny when people ask me how it feels to be 25. It literally feels just like any other day, except more people are talking to me today and I'm making more exceptions for eating poorly. Haha. Plus, I have been 25 for less than 24 hours so… yeah.
I just spent my birthday playing Dance Dance Revolution at Dave & Buster's while wearing an OG Power Rangers cutoff graphic tee. But I also have a career, bills to pay, and a husband. So I guess this is adulting at its finest. 25. Ahh, what a time. To be alive.
My husband got me a bike for my birthday (probably because I've been begging all year and I was going to buy it for myself eventually). I rode it, and I definitely felt old. Well, just really out of shape actually. My legs were burning after a solid two full revolutions of the pedals. I don't remember riding a bike being this strenuous. But then again, I didn't have to carry so much body weight back in the day.
I'm lying in the bath right now. The water is a purpley tint from the bath bomb I threw in. Shoutout to Lush! Sponsor me?! Please. But really though shoutout to my friends for hooking a chica up with these gifts doe! And just shoutout to forcing me to participate in actual human interaction and relationships. Otherwise, I would be a hermit. Still a semi-hermit. But das okay.
I've grown so much. Gotten rid of so many people/places/things that had a negative impact on me. Wow. Look at that 24 year old woman. She went through it. She grew through it. Dang, she's badass! 25 looks good on her. Happiness looks good on her. There are still some chains to break but good gracious she's looking mighty free in this new light! She's loving it. I'm loving her. Beautiful growth. A struggle turning into a victory. This is 25. I made it!
What's next?!


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It is quite difficult to drive during winter season due to snowy road conditions. You have to take some precautionary measurements before you start your winter drive. You cannot expect a car repair centre in each place, and hence it is good to learn some basic car fixing techniques so that it will be very useful to handle any emergency situation. There are many things you have to consider while driving your vehicle during winter season. You can find some car care tips at smartcar to drive carefully during the winter season. You can also go through some interesting articles regarding the automobile reviews at http://www.automobilemag.com/. Make sure to consider the following important tips while driving during winter and snow.
- It is not advisable to drive during extreme snowfall conditions, but if there is no option, then you have to plan your trip properly. Check the weather forecast and try to avoid the most affected areas. Starting early is always advised, as there is no need to rush for reaching the office at correct time.
- Take enough time to thoroughly clean all the parts of your vehicle such as mirrors, windows, lights, and the top of your car. Keep in mind that driving with snow on the car is against the law in some countries. Make sure to carry a de-icer while driving which is helpful to remove the lock system from snow.
- The next most important thing is to check your brake conditions. You should have a good brake system while driving in the winter condition so that you can control under any condition.
- Make sure that your vehicle's wipers are in good operating conditions as you have to use the wipers during snowfall regularly.
- Your tires are the most important aspects that need to be in excellent condition. Your tire should have firm grip so that it will not skid easily on the ice and snow. Ensure that the tires have enough air pressure before starting your journey. Even you can consider switching to specially designed tires for winter areas.
- It is good to do a full vehicle service before you take your car for driving after snowfall. Otherwise, you can do an inspection with the help of an approved automotive repair agency to certify the vehicle condition
- Always drive slowly during winter season and increase and reduce the speed in a phased manner. Try to drive only in second gear to have a good control while driving. Maintain a decent gap from the front running vehicle.
- You can switch on your lights if the visibility is very less and make sure to off the lights when not required. There are many winter accessories are available in the market such as winter tires, winter chains and winter socks. These are very useful items during winter seasons. You can buy and make use of them in case of any requirements. You should know how to drive your vehicle when the winter chain is on your tires. Safety, awareness and alertness are vital while driving, especially during winter.


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Whether splitting a dinner bill with friends or paying your landlord for the month's rent, Cash App is the easiest way to send money. Cash is available for both personal and business use.
If you'd like to use Cash for both business and personal use, we recommend creating two accounts and logging out between payments.
Cash App Fees
|Personal Payments
|Business Payments
|2.75% (paid by recipient)
|Personal payments sent from a credit card
|3% (paid by sender)
|Standard Deposit
|Instant Deposit
Download the Cash App and Sign Up
The Cash App app is compatible with iPhones running the latest iOS version and Android devices running the latest operating system. To get started, download the Cash app on your mobile device. To do so:
- Visit the iTunes App Store or Google Play.
- Search for Cash App.
- Download the app.
Then, create an account:
- Open the app > enter your mobile phone number or email address > tap Next. You'll receive a confirmation code via text message or email.
- Enter the code in the app > tap Next. If you don't receive a code via text, tap Help in the lower-left for next steps.
- Select your primary use for Cash:
- Personal – to exchange money with friends and family only.
- Business – to accept payment for goods or services.
- Follow the on-screen prompts to finish signup and make sure to link your bank account so you can send and receive money.
Cash App for Personal Use
If you'll primarily use Cash App to exchange money with friends and family, select Personal Use when creating a new account.
With Cash for personal use, there's no fee to send, request, or receive money. Learn more about our deposit timeline and sending and receiving limits.
Note: There is a 3% fee when personal payments are sent from a credit card. There is no fee to send a credit card payment to a merchant using Cash for Business.
Does Cash App Work Internationally?
Cash App is available to residents of all 50 United States. Residents must be 18 years or older and located within the U.S. to use Cash.
Currently, Cash isn't available in U.S. territories such as Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and Northern Mariana Islands or outside the U.S., so you won't be able to use Cash while traveling internationally, living abroad, or residing on overseas military bases.
Deposit Settings
With Cash App, you're in complete control of your funds. Every time you receive a payment, you can either keep the funds in your balance to withdraw or to spend with your Cash Card, or you can initiate a deposit to your linked bank account. To initiate a deposit:
- Tap the dollar amount at the top of the home screen.
- Tap Cash Out > choose your preferred deposit speed (Standard or Instant).
- Use your Cash PIN or Touch ID to confirm.


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Champagne / soft drinks are now provided with all bookings!
At Absolute Wedding Cars we specialise in top quality wedding transportation because we understand that it takes time to plan a wedding, we are happy to cooperate with you and your wedding planner or photographer to ensure your special day is a success. Our customer service representative will work closely with yous in choosing one of our vintage wedding cars, modern wedding cars or stretch wedding limousines or hummers to transport you and the wedding party.We have classic wedding cars, modern wedding cars and/or limousines or hummers for the bride and bridesmaid , groom and groomsmen, the special members of your families.
Whether its as simple as getting you to the church on time, making sure the champage is on ice , or whisking you off on your honeymoon, our professional and fully trained chauffeurs will accomadate what ever your desires on your wedding day.
Most of us has dreamt of what it would be like to arrive at your wedding in our own chauffeured wedding car or limousine. Well we loved cars so much we decided to make the dream come true by setting up absolute limousines.
Many brides choose to arrive at the church in our vintage wedding cars White 1956 Classic Bentley S1 , Silver 1954 Classic Bentley R Type , 1930s White Beauford Convertible to add that classic touch to there day. Some Brides choose our more modern range of Cars from the Rolls Royce Phantom, White Executive Baby Bentleyor Silver Executive baby Bentley which can be accompanied by one of our Baby Bentley limousines, Hummers or suggested partner cars to transport the bridal party.
Why not visit our Wedding Partner Cars page to find a suitable match to your Wedding Car?


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The book is divided into five parts each containing ten, 2-3 page chapters:
Part One: Beginning with the Basics
Part Two: Developing Your Style
Part Three: Achieving Balance
Part Four: Living a Good Life
Part Five: Staying Connected
The author's love of life, adventure, laughter, and people are evident in her writing. Though much of the book seems like common sense to me, a 51 year old woman, I wonder how much of our present generation knows and understands these things. We have been so indoctrinated with the concepts of "me first," "accumulate much," "instant gratification," and "impersonal or surface connections with people," that I fear we often miss out on those "simple things" that truly can bring a deep sense of joy and happiness. So if you need to be reminded to learn to organize your stuff, treat other people with kindness, value the things you have, allow yourself to be sad, engage people in fun conversation, thank others for their efforts, fight resentment before it festers, listen with your whole heart, or invite someone into your home, then you've only begun to discover some of the Simple Secrets to a Happy Life!
I received a complementary copy of this book through Booksneeze blogger program in exchange for an honest review.


text: A wannabe singer transforming a beloved pop song into a moody, acoustic ballad? Been there, done that. What "Voice" season 4 auditioner Christian Porter does to LMFAO's "Sexy and I Know It," though, is something different altogether. The only thing this cover shares with the original is its lyrics; otherwise, Porter's take on "Sexy" is a bluesy, falsetto-tinged jam that seems tailor made to go viral.


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A NovelBook - 2016
From the critics
Community Activity
CommentAdd a Comment
Fun! The fact that this is an LGBTQ story (with emphasis on bi-) is irrelevant. Mike Tate thinks he's got it all figured out in his junior year and, like any teen, finds that he's still a work in progress. He is fun, and awkward, and so very authentic. I smiled all the way through it.
I really wanted to like this book. As a fan of gay-themed YA fiction, this sounded like another hit. Unfortunately, there are too many characters, most of whom are half-fleshed out and at times feel extraneous. But the real issue I have about this book is the depiction of the main character; I like that Mike isn't a stereotype but at the same time, his character isn't much of anything. He's overdramatic and constantly whines that his life suuucks beyond all comprehension and although teenagers are bound to think like this, Mike doesn't feel authentic, but rather someone's idea of an adolescent male. Mike's belief that his life is the worst when figuring out his sexuality could at least be understood and empathized if the stakes were high, but unfortunately, this isn't the case. Being gay doesn't appear to be a big deal for Mike and his schoolmates so his thoughts come off as childish and unfounded rather than authentic.
The writing style also takes some getting used to as well, and I wasn't sure if I liked it or not. Whatever doesn't add anything to the plethora of ideas of what it means to be queer for young people these days. There are better gay teen novels out there.
This is a surprisingly fun and quick witted book. I have recently discovered the genre of LGBTQ romance novels, and have been ravenously consuming both the sophisticated fiction and erotic smut that brackets the spectrum (or at least what is available at HCL). Even though this story is geared towards teens and young adults, I felt moved by the authors ability to depict both the fun and fraught communication dynamics between young folk, especially when it comes to something as awkward/taboo as queer love. I remember high school as an incredibly violent space for visibly queer folks, so it's somewhat uplifting to be immersed in this novel where young people aren't immediately prosecuted or attacked by their peers for exploring diverse forms of love and kinship. I hope more HS stories like this, both fact and fiction, become more numerous in the years to come.
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Welcome to Our Office
Our office is conveniently located near the heart of beautiful downtown Santa Barbara. If you would like to make an appointment please call our office to obtain an appointment.
We are networked with most insurance carriers with the exception of Anthem. Please call your insurance company's benefit coordinator to verify benefits ahead of time.
Thank you for choosing Interventional Psychiatry Associates
(Get directions to our office.)
Learn more about us and meet our team.


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Stories for August 18, 2018
John Coltrane's Both Directions at Once: The Lost Album is a great find, perhaps best one of the year / AUDIOPHILE AUDITIONPosted At : August 17, 2018 12:53 PM
This release of a 55-year old recording of John Coltrane, one of the century's greatest jazz performers/composers, seems to be a great find, perhaps the best one of the year. Both Directions at Once: The Lost Album was made on a single day in March 1963 but it took this long for it to see the beguiling mists of twilight. However, its title is a bit disingenuous. It's not the lost album. There have been two other John Coltrane finds I know of: Thelonious Monk Quartet with John Coltrane at Carnegie Hall (which I reviewed on these pages) and Live at the Half Note: One Down, One Up, both released in 2005. Coltrane biographer Ben Ratliff says Verve (Impulse!'s parent company) has eighty-six CDs worth of Coltrane's concert recordings, and it doesn't really matter whether they are "found" or not. There's more in the queue. READ THE FULL AUDIOPHILE AUDITION REVIEW p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060}
Take a seat on the Echoes piano bench with Peter KaterPosted At : August 17, 2018 12:38 PM
On Monday 8/20 2018 Grammy Award winner Peter Kater comes in to Echoes to play a live, solo piano set. He plays free improvisations inspired by his album, Dancing on Water. We give you a seat on the piano bench. Echoes is a daily two-hour music soundscape, distributed by Public Radio International and broadcast on 120 radio stations from Maine to Hawaii. With host John Diliberto, a writer for Billboard, Pulse and other magazines, Echoes brings together a wide array of styles, from acoustic to electronic, jazz to space music, the avant-garde to rock. Echoes is a sound that is cross-cultural and trans-millennial, merging cultures and forms, technology and tradition, the ancient past and the possible future. Echoes has featured artists and composers such as Brian Eno, Moby, Peter Gabriel, Kate Bush and Enya, Laurie Anderson, Steve Roach, and The Orb. Concerts have included Pat Metheny, Yo-Yo Ma, Dead Can Dance, Ólafur Arnalds, Air, Loreena McKennitt and many more. p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060} p.p2 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060; min-height: 14.0px}
Robin McKelle's Melodic Canvas is reflective and personal / Jazz WeeklyPosted At : August 17, 2018 12:18 PM
Vocalist and composer Robin McKelle comes across as a wandering pilgrim, searching for answers on this intimate and personal album. Her voice is part indie, part dreamy, teaming with guests including Chris Potter/ts-ss, Shedrick Mitchell/key, Vincent Ardher/b, Daniel Sadownick/perc, Al Street/g, Martin Sweill/g and The Piano Man's Choir. The overall mood is reflective and personal, with themes such as a crisis of faith with Mitchell's B3 on the confessional "Do You Believe?" and a gentle gospel'd "Swing Low, Sweet Chariot." The team is earnest as she tells a story on "Simple Man" and able to get earthy on "It Won't End Up" with a more placid than normal read of "Yes We Can Can" with a vocal choir in support. Potter's soprano adds to the atmosphere on the pulsed "Come to Me" while McKelle searches for truth on "Lyla." Intimate musical musings for the Janis Ian set. SEE Jazz Weekly PAGE
Ahead of Mondavi Center, Chris Thile talks about 'Live From Here' with Capital Public RadioPosted At : August 17, 2018 11:53 AM
p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060} p.p2 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060; min-height: 14.0px} Live from Here with Chris Thile is a Saturday-night destination for audiences everywhere. This variety show features a unique blend of musical performances, comedy and audience interaction. Acclaimed musician and songwriter Chris Thile welcomes a wide range of well-known and up-and-coming talent to share the stage and create a beautiful listening experience. Live from Here is produced and distributed nationwide by American Public Media, and is heard by 2.6 million listeners each week on nearly 600 public radio stations, online, and on the American Forces Networks, SiriusXM Radio, Radio New Zealand, and KPRG in Guam, Chris Thile joins Capital Public Radio's Donna Apidone for a conversation about evolving the show, performing with his wife, imagining his dream musical guest (Radiohead, of course!) and taking the show to Telluride for a very special performance. He's coming to the Mondavi Center on Tuesday Aug. 21 with The Punch Brothers. LISTEN TO THE INTERVIEW
The Best of WNYC Live - Volume2Posted At : August 17, 2018 12:00 AM
WNYC has, since its inception in 1924, viewed live music as an important part of our programming. But no one could have foreseen the dramatic and unexpected renaissance of live performances on WNYC in the 1990s – especially after decades of dwindling opportunities to hear live music on the radio. A series of cutbacks by the New York City administration (which still owned and contributed somewhat to the operation of the station) in 1991 resulted in the loss of the few remaining City employees at WNYC, including longtime midday host Andre Bernard. We suddenly found ourselves with a gaping hole in the afternoon. It was a problem, but also an opportunity. A couple of phone calls and some very tentative questions soon revealed that the city was not just teeming with musicians, but that it was full of musicians who loved the idea of playing live on the radio, for an audience the size of WNYC's. And we loved the idea of bringing the musical community and the larger community of WNYC listeners together, showing that the formidable world of Classical Music was actually made up of real people – people who told us about their kids, who told bad jokes, who broke strings in mi-performance. So on John Cage's birthday, September 5, 1991, we invited Margaret Leng Tan to play some of Cage's works on our piano (which, having been neglected for many years, was perilously close to the sound of Cage's "prepared piano" anyway). And we haven't stopped since. What you have here are just a few recent examples of the diversity and the talent WNYC has presented vin our live music programs. From world-famous stars like Richard Stolzman to the young but gifted singers in the American Boychoir, from the legendary Beethoven to up-and-coming Raimundo Penaforte, WNYC takes advantage of being in New York – a city that contains a whole world of music. Here are some highlights Alexander String Quartet - Beethoven: String Quartet #9, Op. 59 #3, 2nd movement The Alexanders came into our studio with an unusual concept: they'd take requests for any movement from any Beethoven string quartet and would play the most requested movements. Votes were cast via email in the days before their appearance, and this movement came out on top. Small wonder: it stands on its own quite well, and divorced from the rest of the 9th quartet, creates a surprisingly exotic mood through some unusual twists in the melody.
Modern Mandolin Quartet - Piazzolla: Melodie in A Minor Born in Argentina, Piazzolla was raised in New York. And though he died in Argentina in 1992, he was a frequent and welcome visitor to WNYC. Best known for his nuevo tango style, he also had a strong lyrical bent, which he indulged to great effect in this lovely melody. The arrangement is by the Modern Mandolin Quartet, a San Francisco-based ensemble that has made many live appearances and has premiered several commissioned works on WNYC. Recorded: October 26, 1995. Engineer: Michael DeMark.
Christopher O'Riley - Scriabin/arr. O'Riley: Sequence from "The Lady With the Lapdog" An unusual project brought frequent visitor Chris O'Riley back to our studios in fall of 1999. "Vers La Flamme" was a narrative but wordless dance by Martha Graham, set to piano works by Scriabin. It was O'Riley's job to not only play the music, but to help create the sequences of pieces that would accompany each part of the event. For this tableaux, O'Riley plays excerpts from the Sonata #4, as well as the Album Leaf (Op 58 #1), Poeme (Op. 59 #1), and the Prelude in G#m (Op. 11 #10). Recorded: September 21, 1999. Engineer: Edward Haber. This article was originally published in 1999 by John Schaefer SEE THE WNYC PAGE p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060} p.p2 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060; min-height: 14.0px}
Multiple Johann Johannsson movie scores are among top contenders at World Soundtrack Awards / Film School RejectsPosted At : August 16, 2018 12:00 AM
The annual World Soundtrack Awards may not garner as much attention as higher profile events like the Oscars, but they have an important purpose. Their goal - and the goal of the institution behind the awards, The World Soundtrack Academy - is to honor an often forgotten component of film. Music sets the tone and atmosphere of a movie and can even help alter an audience's entire viewing experience. Motion picture soundtracks and scores should be celebrated, and this past year's crop is especially outstanding. Nominations for Best Film Composer of the Year and Best Original Song Written for a Film include; Carter Burwell for Goodbye Christopher Robin and Three Billboards Outside Ebbing, Missouri Alexandre Desplat for Isle of Dogs and The Shape of Water Jonny Greenwood for Phantom Thread Jóhann Jóhannsson for Last and First Men, Mandy, The Mercy, Mary Magdalene (co-composed with Hildur Guðnadóttir), and The Butcher, the Whore, and the One-Eyed Man John Williams for Star Wars: The Last Jedi and The Post In the Best Composer category, several artists and scores are getting the recognition they deserve as well. Particularly the work of Icelandic composer Jóhann Jóhannsson, who unfortunately passed away this year, leaving behind an impressive musical legacy. His song "The Beast" from Sicario sent chills up audiences' spines back in 2015. And he won Best Composer last year for his score for Arrival. He continued to impress this past year, composing for a whopping total of five films. Jóhannsson brought poignant tones to the Australian film The Mercy - his music almost acting as a supporting actor or character with how big a presence it has. It's a welcome presence, as well. The seasoned talent of Jóhannsson would make him a shoe-in for best composer of the year; and it could even be argued that separating his compositions by film for best song or soundtrack awards would be a major mistake, as his body of work as a whole is deserving of recognition. The 18th World Soundtrack Awards and concert will be held on October 17th at the Capitole Ghent in Belgium, and music for television will also be honored. Fans can also nominate their favorite score by voting for the Public Choice Award until September 7th. p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060} p.p2 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'; color: #606060; min-height: 14.0px} READ THE FULL Film School Rejects ARTICLE
Joshua Bell on what it's like to play and conduct at the same time / WETAPosted At : August 16, 2018 12:00 AM
Grammy Award-winning violinist Joshua Bell debuts his newest Sony Classical release featuring the first violin concerto by Max Bruch, and his Scottish Fantasy. The Scottish Fantasy is paired with a new recording of the Violin Concerto No. 1 in G minor, which he first recorded over thirty years ago with the Academy of St Martin in the Fields and Sir Neville Marriner. Now, as Music Director of the Academy, Bell both performs and directs the orchestra, and offers a fresh take on the Bruch Concerto in addition to a thrilling performance of the Scottish Fantasy. Bell's affection for the Fantasy runs deep, with good reason: "My father's family were from Scotland, and I grew up hearing stories about how my great-grandfather and great-great-grandfather fought in the Black Watch in Scotland. My dad was proud of his Scottish heritage, and this connection makes the melodies in Bruch's Scottish Fantasy even more meaningful to me." The Fantasy bristles with the snap and lilt of Scottish folk songs, and Bell goes on to say, "It is one of the most beautiful and touching pieces I know, and so brilliantly orchestrated. It is a unique 'concerto,' not following the traditional three-movement form. Each of its four movements tells a story." As mentioned, Bell doesn't just play the violin, he conducts the orchestra too! Find out what it's like to do both at the same time, the recording process, and what makes this recording different. LISTEN TO WETA: Wash DC
Top 10 for Aug
Harry Gregson-Williams :
The EqualizerSony Music proudly announces the release of THE EQUALIZER 2 (Original Motion Picture Soundtrack) with original music by Golden Globe® nominee Harry Gregson-Williams (The Chronicles of Narnia, Shrek).
Dustin O'Halloran :
Puzzle OMPSSony Music proudly announces the release of PUZZLE (Original Motion Picture Soundtrack) with original music by Oscar® and Golden Globe nominee Dustin O'Halloran.
John Coltrane :
Both Directions at Once - The Lost AlbumOn March 6, 1963, John Coltrane and his Classic Quartet - McCoy Tyner, Jimmy Garrison, and Elvin Jones - recorded an entire studio album at the legendary Van Gelder Studios.
Lee Konitz, Dan Tepfer :
DecadeHaving first performed together in 2007, acclaimed Jazz musicians Lee Konitz and Dan Tepfer join forces to release their Sophomore duo album,?Decade, on Verve Records.
Ray Chen :
The Golden AgeDeemed one of today's most charismatic and compelling young violinists, Ray Chen reveals his new album The Golden Age – a thrilling collection of chamber and orchestral works – to be released on June 8.
Madeleine Peyroux :
AnthemMadeleine Peyroux's new album, Anthem, finds the singer-songwriter collaborating with writers/musicians Patrick Warren (Bonnie Raitt, JD Souther, Bob Dylan, Bruce Springsteen, Lana Del Rey, The Red Hot Chilli Peppers), Brian MacLeod (Sara Bareilles, Leonard Cohen, Tina Turner, Ziggy Marley) and David Baerwald (Joni Mitchell, David and David, Sheryl Crow), who are also the basic rhythm section players on the album.
Cast Albums :
Desperate MeasuresThe Original Cast Recording from the hit musical comedy Desperate Measures is now available digitally from Masterworks Broadway, with the CD set for release August 10.
Leonard Bernstein :
The Best of BernsteinLeonard Bernstein unquestionably was one of the most astonishing and magnetic personalities in the world of music.
Alexandra Streliski :
InscapeEight years after her first self-released, critically-acclaimed Pianoscope ; an album imbued with both melancholy and light (The Telegraph UK), Alexandra Stréliski is thrilled to be unveiling her raw and sincere sophomore album titled INSCAPE, set to be released on October 5th via Secret City Records.
Diderot String Quartet :
Dissonance - Mozart String Quartet in C Major K465Completed less than two weeks before his 29th birthday, W.
2017 Cliburn Gold, Silver and Bronze winners - Yekwon Sunwoo, Kenneth Broberg, Daniel Hsu are KUSC: Album Of the WeekPosted: September 11, 2017 12:00 AM | By: Admin
One of the perks of winning a medal at the Van Cliburn Competition is getting to make recordings. This week we sample performances from the Gold, Silver and Bronze winners in the 2017 competition, including the Bay Area's Daniel Hsu. For the Week of September 11th, 2017 Cliburn Gold, Silver and Bronze winners - Yekwon Sunwoo, Kenneth Broberg, Daniel Hsu are KUSC: Los Angeles - Album Of the Week
Gold medalist of the Fifteenth Van Cliburn International Piano Competition, 28-year-old pianist Yekwon Sunwoo has been hailed for "his total command over the instrument and its expressiveness" (San Francisco Examiner). A powerful and virtuosic performer, he also, in his own words, "strives to reach for the truth and pure beauty in music," and hopes to convey those fundamental emotions to audiences.
A native of Minneapolis, Kenneth Broberg studied piano from age 6 through high school under Dr. Joseph Zins. He continued his studies with Nancy Weems at the University of Houston's Moores School of Music, where he earned a Bachelor of Music degree. He is now a graduate student working with 2001 Cliburn gold medalist Stanislav Ioudenitch at Park University in Parkville, Missouri. Mr. Broberg has won first prizes at the Hastings and Dallas international piano competitions, in addition to medals at the Sydney, Seattle, New Orleans, and Wideman (Shreveport) competitions. Several of his performances at last year's Sydney International Piano Competition were released on CD on the Universal Music label. He has performed as soloist with the Royal Philharmonic Orchestra, Minnesota Orchestra, Sydney Symphony, Seattle Symphony, Dallas Chamber Symphony, and the Louisiana Philharmonic, among others. Mr. Broberg has had solo, chamber, and concerto performances broadcast on NPR and ABC (Australia) radio. His passions include hockey, baseball, books, and movies.
Characterized by the Philadelphia Inquirer as a "poet…[with] an expressive edge to his playing that charms, questions, and coaxes," 20-year-old American pianist Daniel Hsu captured the bronze medal and prizes for best performance of both the commissioned work and chamber music at the Fifteenth Van Cliburn International Piano Competition. Also a 2016 Gilmore Young Artist, first prize winner of the 2015 CAG Victor Elmaleh Competition, and bronze medalist of the 2015 Hamamatsu International Piano Competition, he is increasingly recognized for his easy virtuosity and bold musicianship.
Crossover Media Projects with Kenny Broberg
Kenny Broberg
Cliburn SILVER 2017
A native of Minneapolis, 24-year-old pianist Kenny Broberg won the silver medal at the Fifteenth Van Cliburn International Piano Competition with performances that showed "an imaginative shaping of themes, revelation of inner voices, and an unfailing sense of momentum" (Texas Classical Review). Released digitally on Decca Gold, Cliburn Silver 2017 features a selection of Broberg's live solo performances from the competition, including Bach's Toccata in C Minor, BWV 911 and Barber's Sonata for Piano, Op.26. He will be performing recital and concerto tours across the United States.
SYND: C24, Beethoven Net, CBC
Direct: SiriusXM, MOOD,
Markets include: New York, Los Angeles, Chicago, San Francisco, Boston, Philadelphia, Seattle, Cleveland, Dallas, Minneapolis, Portland, Cincinnati, New Orleans, Denver, Pittsburgh, Baltimore, MN(Network), WV(Network), MI(Network), WV(Network), Canada
Online: AccuRadio


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Parking system which can suggest available location to park vehicle is a micro controller based application which can show information of slots available for parking vehicle in a traffic location.
Purpose of this project is to help car owners to locate nearest available slots to park vehicle. This method will reduce manual work and reduce traffic jams and accidents.
Parking is a big problem in metro cities where in small places as many as possible vehicles should be parked. When coming to apartments and shopping malls this problem is going to be more complicated. In order to overcome this we need a effective system which can help people to find best place to park vehicle and reduce work and save time.
In this application we are using slot sensors to send information of available slots and filled slots and we are using LCD screen to display list of slots. In real time scenario parking slots are given numbers and sensors used to track numbers and send vacant slots numbers and filled slots numbers to microcontroller and these details are shown on LCD screen. But in our system we are showing prototype where we are using 3 sensors for 3 slots. Sensors at each slot will send data to micro controller. Micro controller will send data to LCD display. User while entering he can see list of slots available and take decision to park vehicle. Based on this information controller will send data to IR sensors which will open and close doors.
- Microcontroller(AT89S52)
- Power supply
- Door system
- IR sensor TX & RX
- LCD(16*2 lines)
- Parking slots
- Reflection sensors
- Keil Vision
- Express PCB
This system will reduce problem in parking and provide effective solution to park vehicles and save time.


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Agurtzane Abajo is the person behind the name "Saludos Al Pollo." Born in 1982, she is a freelance illustrator who lives in Vitoria-Gasteiz, a small city in the north of Spain. After having worked for several years in advertising agencies and design studios, she decided to focus on illustration, developing a colorful, fresh, and happy style.
When not working, Agurtzane spends time with friends and family, her two daughters and a bald sphinx cat named Goxua.
If she wasn't an illustrator, maybe she would have been a patisserie owner. When she was a child, she remembers pretending she ran a bakery, but it is also true that she most liked to design the paper wrappings for the cakes.


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The Third Annual "Art for the Birds" exhibit promises to be bigger and better than ever before. Photography, painting, assemblage, and birds rendered in a plethora of styles and expressions. If you enjoy birds or birding, you'll love this exhibit!
We will host a reception for this exhibit on Saturday 6 May 2017, time to be determined. We plan on having live music by Bill Thurman, awards for the art, a special presentation on an ornithological topic and even live birds – so bring the whole family!


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You can only get pregnant if semen gets inside the vagina. Since the anus isn't connected to reproductive organs, anal sex can't directly cause pregnancy. But it's still possible for semen to get into the vagina during anal sex. It can happen if the guy ejaculates into or near the anus, and the semen leaks from there down onto the vulva. Semen on hands or fingers could also put it closer to the vulva, also.
Wearing a condom during anal sex can reduce your risk. And don't forget: Anal sex is also a high-risk behavior for spreading many STIs.
Hope this helps.
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I'm only 17 and my breast have been sagging since I've had them (I'm pretty busty, and developed them fast and young) it makes my really self-conscious and stuff. They make me feel so bad I'm almost to the point of trying to get surgery to make them perky when I get old enough… I just don't want to feel ugly because of them anymore…
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I just started using the ring as my primary form of contraception. I took my old ring out in preparation for the new one in a week, and my period started 3 days later. It was almost over by the time I put the new one in. How does the ring completely prevent ovulation if you don't put it in on your period and the ring-free week has no hormones?
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Nature Sites In and Around Princeton
About ten miles southeast of Princeton, the Illinois River dives southward, slipping into the wide north-south valley originally carved by an ancient Pleistocene version of the Mississippi River. The associated natural habitats are mostly open grassland types, dotted with closed-canopy woodlands such as those at Warnecke Woods, Hennepin Canal Parkway State Park, Miller-Anderson Woods Nature Preserve, and Condit's Ranch Campgrounds.
Prairies dominate the remainder of this loop. The McCune Sand Prairie sits on super-porous glacial moraine soils, resulting in a unique assemblage of dry-country grasses, wildflowers and small trees, including a number of species more common to regions much further west. Visit the Hennepin & Hopper Lakes Restoration Project to view how the Illinois River floodplain is being reclaimed and restored.
Illinois Scenic Byways
Illinois River Road Report
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The Hennepin Canal was originally conceived in 1890 as part of an overall plan to connect the Great Lakes to the Gulf of Mexico in order to facilitate barge shipping. The prob...View Details.
Phone: 815-454-2328Site Access: free; fee
Area: Princeton
GPS: 41.37322, -89.68957 Map It!
Approaching 900 acres in size, Mautino State Fish & Wildlife Area is comprised of a restored strip mine which has attracted a vibrant community of plants and animals to its fo...View Details.
Phone: 815-454-2328Site Access: free
Area: Princeton
GPS: 41.32332, -89.71890 Map It!
This 200-acre rare prairie type was donated to the Natural Resources Conservation Service Bureau County District by Mr. and Mrs. J.D. McCune (120-acres) and the University of ...View Details.
GPS: 41.45456, -89.82918 Map It!
Established in 1816, Illinois' Old Indian Boundary Line ran from the southern tip of Lake Michigan down to the Rock River's confluence with the Mississippi River. In 1982, a ...View Details.
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This conservation district is composed of 5 parcels of wild-land each offering something different for bird watchers. The "home site" is a 270-acre tract called the Natural La...View Details.
Phone: (815) 882-2319Site Access: free; fee
Area: Princeton
GPS: 41.16879, -89.28734 Map It!
Located just 1 ½ miles north of Princeton on Route 26 is the Red Covered Bridge, built in 1863 and later rehabilitated in 1973. It is one of only five remaining covered bridg...View Details.
Area: PrincetonGPS: 41.416406, -89.47893 Map It!
The historic - but now rare - Illinois landscape of backwater lakes, wetlands, prairies, fens, and seeps now flourishes on former corn and soybean fields along the Illinois Ri...View Details.
Phone: (312) 922-0777Site Access: free; dawn-dusk
Area: Princeton
GPS: 41.21619, -89.32144 Map It!
Warnecke Woods is a 33.5-acre botanical gem that was donated to the Bureau County Natural Resources Conservation Service District in 1984 by Marie Warnecke. Ecologically, the ...View Details.
Phone: (815) 875-8732Site Access: free
Area: Princeton
GPS: 41.41130, -89.48086 Map It!
9. Witness TreeCR 1300N with CR 10/CR 100E., Princeton, IL 61356
Bureau County's Witness Tree is a 250-year-old bur oak which has served as a landmark and meeting site for at least 200 years. This mammoth oak's burly trunk measures 14 feet ...View Details.
GPS: 41.33507, -89.81862 Map It!


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Emerging Artist Scholarship for Celebration Barn Just Announced!
Celebration Barn Theater is Maine's center for immersive physical theater training. Located on a farm in South Paris, Celebration Barn offers a full season of workshops and performances to fuel the development of new highly engaging theater. A new scholarship has just been announced for The Celebration Devising Intensive Workshop running July 14-26.
At the heart of the Barns approach to making theater, The Celebration Devising Intensive is for directors, teachers and performers interested in devising their own theater pieces or in teaching others how to create original theater.
Core teachers Davis Robinson, author of The Physical Comedy Handbook, and Karen Montanaro, world renowned dancer and mime artist, will be joined by special guests including Broadway's Avner The Eccentric Eisenberg, physical theater performer Bronwyn Sims, and circus artist Fritz Grobe.
This is an extraordinary opportunity for an artist to leave behind daily demands, and to immerse in creative and collaborative theater making!
Applicants for the Emerging Artist Scholarships must be at least 18 years of age. While priority may be given to Maine residents, all are encouraged to apply. To apply, submit a registration form along with a headshot, resume, and a letter of introduction that speaks to your motivation for taking this workshop and expresses how this scholarship is helping you overcome financial obstacles to attend. Applications must be submitted electronically to firstname.lastname@example.com by Wednesday, May 7, 2014.
For more information about the Celebration Devising Intensive and Celebration Barn's summer programs call (207) 743-8452 or visit www.CelebrationBarn.com.
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Wednesday, 25 April 2012
Voices (aka Nightmare) 1973
If you can watch a very old, cut down for TV version that was uploaded from VHS, you might enjoy this. It betrays its origin as a stage play, and is very much a two-hander, with good performances from Hemmings and Hunnicut. But while most of the movie is okay, the last ten minutes or so take it to a new level and make it a genuinely effective ghost story. And yes, perhaps it was intended to cash in on Don't Look Now, but it takes a very different direction.
2 comments:
This seems to be a remake of the 1970 ITV Armchair Theatre play The Others, which I saw as a child and never forgot - and hence will forever see the twist in films like The Sixth Sense in the first minutes - not to mention Alejandro Almenabar's The Others, which I think lifted the story wholesale and which makes me hope that somewhere he has admitted the debt he owes to that earlier production.
- 28 May 2012 at 12:06:00 GMT
- valdemar said...
It certainly betrays its 'stagey' origins. I didn't think of The Others, but you're right, of course. It would be interesting to find an earlier example of that particular twist.
- 28 May 2012 at 16:04:00 GMT
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Kayseria is a leading brand of Pakistan and was established in 1985. If we have to be made a list of top brands for clothing in Pakistan then this comes among the some top most and loved brands specially for women because it provides spectacular clothes for women.
It is not only loved in Pakistan but also in UK, USA, Canada and Australia. This brand's ranking is increasing with every collection it presents.It collection also liked by every person.Here also Now Launched new Summer Dresses Collection 2014 for women.
Here also shows new collection of latest summer dress collection.This collection consists of long shirts and kurtas with down wear of different types like palazzo, choridaars and trousers. Shirts have floral and classic prints. They have also introduces folk prints with innovations and they look completely stunning and appealing.
Embroidery is also done on some shirts which make the clothes semi formal so women can wear them on parties and hangouts as well.Here also shows some pictures of some collection as below: