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In 2008, a woman bought a 2006 Saab 9-7X from one of the CarMax Auto Superstores in California. She put $1,100 down on the car with a personal check and traded in her 2006 Honda Civic. In addition, she signed a form that would authorize the "holding' of that check for five days to give her time to get the money in her checking account.
The woman's sales agreement with CarMax, though, didn't quite cover everything. The Honda was listed as "sold" to the dealership - not that she had made a trade-in with her purchase of the Saab. In addition, there was another sales agreement that showed down payment.
The woman filed a lawsuit against CarMax because there wasn't one sales agreement for the entire purchase and the dealership didn't disclose her down payment. She wanted the deal rescinded and also sought damages.
CarMax won the first go-around in a lower court, with the judge awarding the dealership more than $12,000 in attorney fees. CarMax alleged that the woman was simply trying to "gain a windfall" and that she understood everything about the sale.
The California Court of Appeals agreed with the lower court's ruling. In addition, the court did not grant class-action status in the case and ruled against the woman's claim that CarMax had violated unfair competition laws. The court ruled that the woman must pay for the dealership's attorney fees.
Business tort issues such as unfair competition can be quite complex. However, unfair competition can break a business. Business law attorneys can help a business owner understand all of the intricacies involved in such cases and work to ensure that a company's interests are protected.
autonews.com, "Calif. ruling recognizes 1-year limit for finance law claims; dealers want precedent" Eric Freedman, Oct. 30, 2013

subset: commoncrawl


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Value Propositions
How TileWare Values Tile Profesionals
- Installs with tile and thin-set... same timing.
- Easy... installs in minutes, between 5 and 15 minutes... verses 2 or 3 hours for a niche.
- Labor investment is 5 times more profitable than niches.
- Allowing tile installers to present a more complete accessory offering... beyond just niches.
- Our PermaTile™ Rough-in Fastener will never violate waterproofing.
- Works with all tile-substrates including, cementitious boards or foam-core boards.
- Works with liquid and sheet membrane systems.
- Works with A118.1, A118.4 and A118.11 thin-set adhesives.
- Allows the tile installer to solve a major consumer problem... and get paid for it.
- Purchase either, "Complete Kits" or "Rough-in and Trim Kits" separately.
- Allows Rough-in to be installed independent of trim.
- All our products are engineered for both tile and gypsum wallboard installations.
How TileWare Values Designers
- Residential style and accessibility accessories that lean towards minimalism and simplistic beauty.
- Offering ADA compliant products that don't look impersonal or unattractive.
- Universal Design products themes that offer dual utility (grab bar/towel bar combination products).
- Finishes include: Chrome (PC), Brushed Nickel (BN) and Oil Rub Bronze (ORB).
- Allowing for a more holistic shower design, combining surfaces and accessories into a single conversation.
- Allowing for individualized accessory selection, making the shower conversation about specific needs and expectations.
- Anchoring technology that will never loosen and/or pulling away from the wall.
- Allows designers to position accessories anywhere in the shower space, even above or below the shower valve. This represents new real estate, verses just relegating accessories to corners.
- Reinforces the importance of waterproofing and why our solution is necessary.
- Accessory products that stay firmly mounted to tile surfaces with unprecedented strength, reliability and durability.
How TileWare uniquely adds to General Contractor's
- Assures contractor will never go back to repair or replace an accessory in tile surfaces again!
- Dramatically reduces accessory installation cost.
- Lowest lifetime performance cost.
- Residential style accessories that lean towards minimalism and simplistic beauty.
- Totally mitigates risk by eliminating blind drilling into wall cavities.
- Completely protects tile waterproofing investment.
- Prevents drilling hazards and subsequent losses.
- Eliminates all mechanical disruptions associated with drilling blindly into the wall cavity (the space where insulation, plumbing and electrical components are housed).
- Eliminates 3rd party drilling, now part of tile installation.
- Eliminates blocking or the need to locate blocking.
- 70% less labor than penetrating anchors.
- Provides consumer convenience, safety and workability for a lifetime.
- Works with traditional tile showers, steam showers or integrated wet-rooms.
- Eliminates rework and punch lists... no drilling after the tiles completed, no mess, no broken tiles, no unaccountable schedules.
- Protects against mold and bacteria growing behind the wall in stale air spaces.
- Protect against, negating manufacturer's waterproofing warranty.


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The New Media Show (Video)
Todd Cochrane
Honolulu, Hawaii
Description: Video Feed of The New Media Show features Todd Cochrane and Rob Greenlee discusising the new media space with weekly guests
Now Playing
NAB Wrap Up #242
Rob Greenlee and Todd Cochrane discuss the NAB show and all the happenings of a week in Las Vegas. We run some interesting scenarios at you as well. Plus suffer our first ever in show live stream crash. Lots of juicy info here and lots of speculation of what is happening in the space. Have … Continue reading NAB Wrap Up #242 →
The post NAB Wrap Up #242 appeared first on New Media Show.
Released April 20, 2019 Original Post » Comments »


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Rats, rats, and more rats! Rats have inhabited Australia long before humankind and long before the First Fleet settled in Sydney. It was previously believed that rats were introduced to Australia by the First Fleet, stowing away on supply ships. This was recently challenged by a Florida scientist who claims that rats first migrated to Australia from Asia over 5 million years ago. The rats travelled over the sea by clinging to floating flora, until eventually reaching Australia and into what is now your neighbourhood.
Recent construction and demolitions in and around the CBD have sparked the interest of these curious critters who have been spotted in great numbers scurrying about the inner suburbs. Local citizens have also reported incidents involving oversized vicious rats terrorizing families and the size of the rats indicate that they are well fed.
Sydney's booming construction industry is accused of being the catalyst to the ever-growing vermin epidemic. Angela Vithoulkas, independent city of Sydney councillor, has blamed the authorities whose poor management of construction and pest regulations have contributed to Sydney's rat problem.
She also insists that the local government form a "Rat Task Force" to deal with the rodent problem. You know things are serious when the local government starts mobilizing task forces. It's kind of like Trumps "Space Force", except to a smaller scale. Don't be alarmed if you come across these vermin superheroes wearing full-length khaki overalls and gas masks in your area. The task force is taking out the trash and cleaning up the streets for the good of Sydney.
The rat problem should not only be left up to the task force. Residents and business can do their part in claiming back their city from these hairy little critters. Rats forage in the night looking for food and water. Residents and businesses are urged not to leave out rubbish containing food scraps. They were also informed, that if they cross paths with a large unfriendly rat, to call the local council immediately and keep their distance until the authorities can safely apprehend the culprit at hand.
Although rats may be cute to some, they can be hazardous to human health. Rats carry diseases that come with serious consequences if you're unlucky enough to fall ill. One such disease is known as Leptospirosis, a bacterial disease that slows the function of your kidney and liver. The bacteria in rat droppings and urine will produce Salmonellosis when inhaled or consumed by humans.
Sydney's rat problem is no secret. Videos on YouTube of rats caught on CCTV scurrying across food court floors is concerning local businesses who have come forward to local councils seeking answers to the perpetuating problem.
Rats are rampantly rampaging Sydney's CBD at alarming rates, causing concern to Sydney's citizens. From a humble natural existence over 5 million years ago, until now, gradually evolving into city dwelling creatures who terrorize the streets of Sydney. No one is safe.
If you suspect a rat problem in your home or business, deal with the problem sooner rather than later. Contact your local pest control agent, discuss and take active measures to rid your home of rats, hopefully forever. Although, the emancipation of rats in your home will be an effort in futility if your neighbours haven't done the same - rats will eventually make their way back into your home and take up the residents of their dead relatives.
The rat problem needs to addressed now and the council is calling on residents and businesses to put all hands on deck and do what they can to prevent further infestation of Sydney's streets. The construction industry needs to tighten their belts and clamp down with hard penalties on companies that do not adhere to pest control precedents.
Rats have made our home their home, we've been taken over and it's up to us to take it back. It's kind of like a Braveheart moment [Insert motivational speech here]. They can take our food scraps but they can never take our freedom? Will the rat task forces prevail over the evil powers of the rat empire? Only time will tell and for now, we must be resilient, we must stand together to emancipate the problem and take back what's ours.
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April 2019


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Street Tech Senior Editor Nate Heasley's boardgame Wits and Wagers has been selected as a winner of the Mensa Select Mind Games prize for 2006! The game, which involves betting on answers to trivia questions, was co-developed by Nate, along with Dominic and Satish of North Star Games. Rumor has it they still won't let Nate into the high-IQ society, but we're putting him through a routine of Soduko and Tangrams to improve his scores.
[Editor's Note: Congrats to Nate from all your pals at Street Tech. It couldn't have happened to a bigger High Dome!]


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best practice
Are You Making It Easy For Search Engines To Crawl Your Site?
For quality site paths that will attract the attention search engines and ultimately drive user traffic, here are some suggestions to make your site more accessible for crawling.
Restructuring Your PPC Campaigns in 5 Key Steps
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New Wordstream Tool Lets You Audit PPC Landing Page for Free
WordStream's free new tool lets marketers grade their landing pages against industry benchmarks and best practices with the "AdWords Landing Page Grader." Advertisers can use this data to improve landing pages and get more from their PPC investment.
Google AdWords RLSA: 3 Ways to Take Full Advantage
RLSA is a very powerful tool, especially as personalization continues as a trend across the digital landscape. Here are three tips on keyword targeting, bidding, and ad copy, plus three important reminders on how to set up RLSA for success.
Hiring an SEO Agency: The Ultimate Client-Agency Relationship Guide
Considering hiring an agency for some or all of your SEO efforts? Here are some best practices on how to select the right agency, forge and maintain a strong, successful, long-lasting working relationship, and deal with hiccups along the way.
Google Makes Non-Desktop SEO an Absolute Necessity
Google has announced that failure to fix annoying mobile experiences will now actively hinder your efforts to rank well within search results. This warning from Google makes the case for brands to look again at mobile SEO even more compelling.
How to Be a Marketing Leader: Make Everyone Around You Better
A good commander is tested in his absence. Whether you are managing a marketing team, a company, or an agency, the only way to truly succeed (and scale) is to make sure you empower your team enough to do the job – even when you aren't there.
Defining an Enterprise SEO Strategy
This approach to enterprise SEO campaigns should give you a solid foundation on the basics of constructing a program that makes sense, is efficient, and maximizes your resources. In other words, it's a pretty solid SEO strategy.
23-Point Web Content Litmus Test: Is It Truly Unique, Engaging & High Quality?
Use this guide to evaluate a new article, blog post, video or audio content before hitting publish to ensure you've achieved the right mix of quality, engagement, relevance, and originality for regular people and search engines alike.


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I hope everyone is having a wonderful weekend! One of my favorite Sunday activities is picking out flowers and making a floral arrangement to enjoy all week. I never know what it will be until I see whats available! When I dont have time to go to a Florist I usually pick up my flowers at the Grocery store, I always find great flowers at Trader Joe's and Wholefoods! I love all the Fall options, and have collected a few great arrangements for inspiration...
I love the idea of using a pumpkin as your vase. With the orange and yellow arrangements of roses, daffodils ranunculus and calla lilies make the white pumpkin shell a perfect complement to the colors!
I always love seeing fruits and vegetables in floral arrangements. I love this purple Artichoke Arrangement (the edible head of an artichoke is actually an immature flower!) This might be a fun one to try? Or maybe I will pick up some pomegranates, berries, tulips, roses and ranunculus and try this great magnolia leave centerpiece (finding the magnolia leaves might be hard, Our Magnolia we always get in the store this time of year have not arrived yet!
Mums are easy flowers to find -- most local markets, garden centers and florist have a wide assortment this time of the year.
All wonderful choices! I will let you know how my arrangement turns out!
Sunday, October 16, 2011
Fall Floral Arrangements
Posted by Abigail Fox Designs at 12:06 AM
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When people ask us what Off the Mat, Into the World actually is, a fairly common reply is "a conversation". The Line ofEnquiry each month recognises that fact and invites you to consider a bigger questions that we might address as a community. Please consider introducing a topic that you would like to explore by sending a question and a few thoughts to kick things off to email@example.com. We'll be in touch chat it over and let you know which month your thoughts might appear.
Cate Peters
Is 'Activist' a term we should apply to ourselves?
This question has been bandied around since the early days of Off the Mat in Australia. There is a lot of negative reaction to the word even within our community but first let me share Joanna Macy 's definition from her brilliant book, Active Hope :
"What is the opposite of an activist? Is it someone who is passive? If so, it seems strange that the term activist should be reserved for just a few of us rather than being an identity we all take pride in or aspire to. The practice of Active Hope involves being an activist for what we hope in this world . We're using the term activist here to mean anyone who is active for a purpose bigger than personal gain."
Whilst I feel Joanna has nailed what we would all LIKE the term to mean I'm not sure she has exactly put her finger on why transitioning to this term here in this country and in our community hasn't happened.
The very word activism implies to a lot of us hard work and push push push. People have said is sounds aggressive, and suggests fighting against something and that we should perhaps be asking as yogis how we 'pull' rather than 'push.' Of course it is just a word and much like any inkblot, cup of tea leaves or piece of history, we are all entitled to project our own meaning onto it.
Thanks to Sarah Ball for bringing my attention to this on topic statement from Byron Katie:
"I've heard people say that they cling to their painful thoughts because they're afraid that without them they wouldn't be activists for peace. "If I felt completely peaceful," they say, "why would I bother taking action at all?" My answer is "Because that's what love does." To think that we need sadness or outrage to motivate us to do what's right is insane. As if the clearer and happier you get, the less kind you become. As if someone finds freedom, she just sits around all day with drool running down her chin. My experience is the opposite. Love is action. It's clear, it's kind, it's effortless, and it's irresistible."
How do you personally feel about the word 'activist' and do you feel other words might express the concept of bring about positive change more succinctly? What about 'activator'?…
Head to ( https://www.facebook.com/OffTheMatOzNZ ) to join this conversation and let's see if we can take it somewhere help each other think alittle more clearly.


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The Bangor International Airport conducted its tri-annual airport disaster drill on May 16. The Federal Aviation Administration requires airports across the country to conduct full-scale disaster exercises once every three years. The exercise is usually designed around a mass causality scenario. The Northeastern Maine Regional Healthcare Coalition, 26 health care and behavioral health partners, participated in the drill as well as Maine CDC's District Public Health Liaisons and the director of Disaster Behavioral Health. Maine CDC staff was assigned in different roles including as observers, evaluators, and debriefing throughout the exercise.
One of the elements of the exercise involved moving behavioral health patients from emergency departments to behavioral health care facilities. This involved new health care partners in the behavioral health care sector that have not participated in a drill of this scale in the past. The long term care and home health partners tested new plans to assist with decompressing hospitals during time of medical surge.
The participants in the exercise then attended a 'Hot Wash' that illustrated strengths and weaknesses that were observed by the evaluators. There were many lessons learned and captured to assist in future development of disaster plans.
Thursday, June 1, 2017
News from the Districts - Penquis
2 comments:
- Patricia Carter said...
Well, learning from the experience would be great.
discount celtic woman tickets
celtic woman tickets online
- November 17, 2018 at 5:50 AM
- Jenna Catlin said...
The practice runs for the disaster management are they perfect way to learn from practice runs.
meet and greet Luton
meet and greet at Luton
- November 27, 2018 at 6:48 AM
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The name Terrie is an English baby name. In English the meaning of the name Terrie is: Abbreviation of Teresa, meaning harvester.
Terrie is baby girl name mainly popular in Christian religion and its main origin is . Terrie name meanings is Harvester. Other similar sounding names can be Terri, Torri, Tierra, Terra, Torrie.
You probably have google this question: My baby name is Terrie and how can I combine the name Terrie with other names and create unique & new name? We tried to suggest Terrie name combinations. You can see how it looks the name Terrie as first name or Terrie as last name. You can combine the middle name for Terrie and create a unique name.


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We believe passionately that children and young people are an integral part of our church family and we seek to provide a safe, fun and exciting environment for them to learn more about how great God is, to put their trust in Jesus and learn how to live for him to the full.
All ages from babies to late teens have groups suited to their particular needs. The church has a great team of volunteers leading and helping. We follow Home Office guidelines on checking and training all of these.
Sunday mornings:
SClub runs during the service for children aged 3 to 11 ( school year 6)
For more info email Nathan Elliott
For those who would find it helpful, we run a crèche during every Sunday morning service for children up to the age of 3. The appropriate time to leave for this will be announced during the service and you will be shown where to go.
Please remember to collect your children straight after the service!
SClub runs during the Sunday morning service for children aged 3 to 11 (year 6). We begin by gathering as a whole church and then part-way through the service the children will be told when to leave for their groups.
SClub is all about faith with a whole heap of fun mixed in. Teaching is done in small, age specific groups, led by a trained and committed team.
Every week we open the Bible to hear what God has to say to us and learn how to apply that to our lives. We may be young but we believe God uses us anyway!
Toybox is a group for toddlers, babies and their carers and is a mix of free play, singing time for the children and a short 'thought' for the adults. It's a great place to make new friends and enjoy a coffee and home-made cake.
Babybox is run alongside Toybox in a separate room as an informal group, for pregnant women and new parents to chat together.
Toybox/Babybox is run from 10.00 - 11.30 every Thursday morning during term time and there is no charge for these sessions. Please note our first session back after the holidays will be on September 20th. If you would like further information do email Liz Turton.
Who let the Dads out?! runs from 10 - 11.30 on several Saturdays a year, for Dads and their children. It is a great place to meet new people, have fun together and give Mum a morning off! For more info, email Mark.
Adventurers is aimed at children in school years 3 to 6 and meets at the church every Wednesday during term time from 6.00 pm to 7.15 pm.
Adventurers is run by a dedicated team of leaders and combines engaging and relevant Bible teaching with a great mix of activities, crafts and games.
|1st May
|Rag hockey
|God Saves … Noah: With an Ark (Gen 6-8)
|8th May
|Marshmallow Towers
|God Saves … Isaac: With a Lamb (Gen 22)
|15th May
|Quiz: Sam Law special
|God Saves … Moses: With a Basket (Exodus 2)
|22nd May
|Creative Paper
|God Saves … Rahab: With a Cord (Joshua 2)
|29th May
|Half term
|5th June
|Celebration of sport
|God Saves … David: With a Sling (1 Sam 17)
|12th June
|Rocky Road
|God Saves … Daniel: With an Angel (Daniel 6)
|19th June
|Bulembu Choir
|Family Summer Special
|26th June
|Contact Talent Show
|God Saves …Devotion
|3rd July
|God Saves … Jonah: With a Whale (Jonah 1)
|10th July
|Skittle ball
|God Saves … His People: With his Son
|17th July
|Old School Sports Day
|God Saves … Recap
'Fun and Faith' is a great way to sum up LCBC Holiday Bible Clubs, which run each year at Easter, because we have both in bucket loads! Each club has its own theme which ties the four days together. The children spend the day in their group, led by a committed leader.
We enjoy a number of activities such as sports, craft, cooking, small group teaching as well as gathering together to sing, watch a drama and play silly games.
For a taste of Polar Explorers, our Holiday Club for 2018 you can read our blogpost.
For more information about any of these activities, please use the contact details at the top of this page.


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Why Raise the Roof?
St Nicks first opened its doors in 1836 and is still housed in the original Victorian schoolhouse. Its prominent position on Chislehurst Common, just across from its namesake church, is an important part of local heritage.
For all its character and charm, St Nicks is critically short of space and with that comes an absence of the cutting-edge facilities that other comparable schools benefit from. Investment is needed to make the school fully compliant with safeguarding standards and to make optimum use of the available space.
The renovation work will cost £280k in total, which includes relocating the school office to the ground floor and installing a more secure entry system. Much of the cost will be covered by Aquinas (the Multi-Academy Trust St Nicks joined in 2014) incorporating the school's reserves. However, with only limited funds and responsibility for 10 different schools, Aquinas is unable to finance the building work in its entirety.
Raise the Roof seeks to raise £130k to reconfigure the classroom layout and refurbish the new teaching spaces.


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Development Update 18
And we are back! We had some time off to recharge batteries but don't worry, we are already working really hard.
I am really happy to say that we went through some bureaucracy like creating a company (we are called GG Studios by the way), and registering the game with Steam. This means that soon we will be running tests through Steam which will simplify updates and test scheduling! We also plan to integrate services like chat and achievements with Steam.
Watch out for Beta Keys in the following month!
We don't have new visual or gameplay related stuff to show yet but don't worry, those are also being developed. The main goal of last month's progress was to rewrite backend servers. We switched to MongoDB which should allows us a lot of flexibility and scalability should we need it. Servers have also been migrated to Amazon Cloud for better scalability and locality. We now host them in US-West region.
There is still a lot to be done but we are getting close to fully scalable game server architecture that should support thousands of players online at the same time.


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"Atmospheric" (Used 142 times)
Related Artists
Related Albums
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dhf510 on 07/13/2018 at 11:58AM
Gilman Mom releases "Coast of Daylight" Music Video
On July 9, Gilman Mom released an atmospheric nature music video for "Coast of Daylight", the opening track on album Revisionist History. The video immerses the viewer in the arboreal world that the song lives in. Monkeys, flowers, and lamination abound, have fun delving into this video.
TAGGED AS:music video, electronic, jazz, drone, atmospheric
wmmberger on 01/22/2013 at 09:00AM
Lea Bertucci and K-Salvatore on My Castle of Quiet
It was a night of true magic, back in early October 2012, when some of Brooklyn's finest improvisers gathered at WFMU / My Castle of Quiet, to offer unique, exclusive performances, on a double-bill to support the station's pre-Hurricane-Sandy, Web-only fundraiser for that month.
First, Lea Bertucci, a master of spacious atmospheres, and gloomy, contemplative soundscapes, on her trademark combine of physical, open-reel tape and electroacoustic bass clarinet. Lea's two sets from this night evoke The Grand Canyon, and Utah's wide-open spaces, where she'd spent several months earlier in the year on artist's retreat. Lea has been performing solo for many years (see her bio, at Broken Diorama, linked above), as well as in the hometown-favorite duo of Twistycat.
Second, K-Salvatore, the duo of Jason Meagher and Pat Murano, coming off the high of their landmark LP, Tsar Ova Elk, a veritable shoe-in for the My Castle of Quiet end-of-year music list (like I said, glaring omissions; this one very worthy of inclusion and just slipped off my mental radar at the time the list was being compiled.) Pat has appeared twice before on the show, both solo as Decimus, and in 2010 with Malkuth; both Jason and Pat are founding members of the No-Neck Blues Band. Their set hummed and shook our building; as "top shelf" as anything from the aforementioned newest LP.


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You will find a lot of creative builds in LeMons racing. Part of the fun of the series is building a unique race car. Apathy Racing's LeMons car is called the Saanda 1500 because it uses a Honda 600 body with a Saab 900 powertrain.
The Honda N600 originally came with a 600 cc two-cylinder motorcycle engine that produced 36-46 horsepower. Apathy Racing replaced that with a 2.3 L turbocharged B234 inline-four from a Saab 900 Turbo that produced 200 horsepower.
Along with the engine switch the team also changed the engine layout. The Saab engine along with the factory transmission and axles was installed into the back of the car. Another change anyone can see is the wide fenders. Almost the entire tire is sitting outside the exterior of the factory body.
I am glad there are teams like Apathy Racing willing to swing for the fences building a wide-body Honda N600 with Swedish turbocharged power.
Source: Team Apathy Facebook album 1 and album 2 via Scott Graves


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The Malta International Organ Festival, now in its fifth edition, is being held from Thursday to December 7.
It is made up of 16 concerts to be held in cathedrals, churches, basilicas and chapels in Malta, another three in Gozo and two masterclasses. Among the star guest performers in this edition is organist Sergio Orabona from Italy, who will be opening the festival at St Francis of Assisi church, Valletta on Thursday performing Bach's Fantasia and Fugue in G minor – nicknamed the 'Great', and Poulenc's favourite masterpiece – Concerto in G Minor for Organ, Strings and Timpani.
A new composition by Maltese composer Karl Fiorini was commissioned for the fifth edition celebrations. This new composition, titled Quatre Miniatures Romaines is scored for baritone, organ, strings and percussion, and uses poetry by Sophie Charpentier.
The festival is also a platform for young Maltese organists
Festival organiser and artistic director, Joseph Lia said that some of the world's most prominent international organists will be performing during the festival, such as Giacomo Benedetti, Marco D'Avola, Diego Cannizzaro, Christian Schmitt, Petra Veenswijk, Gail Archer and Mariella Mochi. The festival will also be a platform for young Maltese organists like Franco Cefai and Jurgen Grima, offering them both a prestigious performing platform and free masterclasses to improve their technique.
Dr Lia added that this year, MET Opera of New York soprano Olga Makarina will be joining mezzo-soprano Dina El from the US to perform Pergolesi's Stabat Mater, under the baton of Italian conductor Simone Valeri at St Mary Magdalene church in Valletta on November 22. Makarina sang under the direction of various world-famous conductors like James Levine, Valerie Gergiev, Yehudij Menuhin and Bruno Campanella.
Another highlight during this year's festival will be an organ recital at Our Lady of Victory church in Valletta on November 20 of Maltese and Sicilian composers on the 18th century positive Santucci organ that was found recently after being lost for several years. This organ was recently restored by Robert Buhagiar.
Other interesting events will be an organ and guitar recital at St Bartholomew church in Tarxien, All'Italiana concert at Gudja parish church and a concert presenting famous Christmas melodies from around the world, arranged for organ, flute and cello at St Barbara church in Valletta on December 2.
The concerts being held in Balluta, Balzan, Mdina, Paceville, Tarxien, Gudja, Senglea, Safi and Għaxaq, and Nadur, Ċitadella and Fontana, will include the participation of several musicians combining local and foreign talent, showcasing Maltese heritage and the power of the organ used as a solo instrument, as an accompanist and as part of an ensemble.
The festival will reach a climax with its final concert on December 7 at St Augustine parish church in Valletta, featuring works by Handel, Corelli and Telemann. The Valletta International Baroque Ensemble (VIBE) will be conducted by Italian conductor Stefano Molardi. Molardi is an authority in baroque music in Italy. He will be joined by Joseph Lia to perform Telemann's Christmas Cantata, a nice way to start the Christmas season.
For more information visit www.MaltaInternationalOrganFestival.com.
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Project Info:
Aladtec Inc. offers an online scheduling and workforce management tool catering to First Responders (Police, Fire, EMS, EMT, Dispatch & more).
The tasks their users need to perform can have complex dependencies. Also the existing code is super complex with many authors.
This translated to carefully thoughtout releases for evolving the app. Development phases were structured to have the least disruption in functionality for the end user and the safest adjustments from a coding perspective.


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4th Grade
Sheri Hulbert
My name is Sheri Abdoo-Hulbert. My students just call me Mrs. H. Every teacher says how much they love teaching. I would rather tell you why. My love for teaching is in response to my dislike for school as a child. I didn't always have teachers who cared, or didn't seem like they cared about me. They just went through the motions every day until dismissal. I had two motivated and inspiring teachers in my life. One was my fourth grade teacher. I think this is one of the reasons I am always excited and honored to get the opportunity to teach fourth grade. It allows me to follow my fourth grade teacher's lead and strive to be like him. My focus is to make school enjoyable so students want to be there. I want to show them that I DO care about each of them.
Aside from teaching I enjoying spending time at home with my husband and two cats. I spend a lot of time in my vegetable garden or crafting. Other interests I have are camping, reading, history (anything WWII), as well as cooking.


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Horseheads (HHS) Class of 1975 Alumni List
Help us Update the Horseheads 1975 Class List by adding any names missing from the list below:
Registered Alumni
1975 Class List
- Susan Amundson
- Barrett Barbara
- Sherry Bateman
- Karen Bellows
- Richard Bottcher
- Pete Ciotti
- Dawn Corbin
- Mary Beth Decker
- Ann Denissof
- Ann Dennissof
- Ann Dennissoff
- Genevieve Donahue
- Mary Hardman
- Ben Hertel
- Jeffrey Ingham
- Patti Isaacs
- Jennifer Madsen
- Mary Marland
- Joseph Mclane
- Micheal Montgomery
- Dale Morrow
- Pamela Packard
- Karen Said
- John Whittenhall
- David Wineski
Know Horseheads Class of 1975 graduates that are NOT on this List? Help us Update the 1975 Class List by adding missing names.
1975 Horseheads High School Yearbook
1975 Horseheads High School Yearbook
Click here to view at Classmates.com®
The top movie in theaters during 1975 was Jaws, grossing over $260,000,000 in its lifetime. The most popular television series for 1975 was All in the Family
Hit Songs From 1975
Hit Movies From 1975
Reunions and Horseheads High School News
More 1975 alumni from Horseheads HS have posted profiles on Classmates.com®. Click here to register for free at Classmates.com® and view other 1975 alumni.
The Horseheads High class of '75 alumni are listed below. These are former students from Horseheads High in Horseheads, NY who graduated in 1975. Alumni listings below have either been searched for or they registered as members of this directory.
You can also find out what other graduates are doing now, share memories with other alumn, upload pictures from Horseheads High and find other alumni.


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And before that in 2016, California broke a solar record by producing enough solar energy to generate over 6 million homes , which is twice as much as the state was producing two years previously. It will encourage more electric use or even all-electric homes to reduce natural gas consumption. Officials are saying there are exceptions built into the mandate, but will they be enough? Bill Watt, a California homebuilder and design consultant, who is also former president of the Orange ... Read More »
Google-owned Waymo's self-driving vehicle hit in collision on Arizona street
A Waymo self-driving auto was involved in a three-vehicle crash on May 4 in a busy shopping district of Chandler, Arizona, that was caused by a red-light runner, according to media reports . The company says in a statement that its mission is to make roads safer. Air15 video showed significant damage to the self-driving van, as well as a silver sedan, after the collision near Chandler Village Drive and Chandler Boulevard. Read More »
Comcast Readying Cash Bid to Upend Fox-Disney Deal
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Sensex gains over 100 points; ICICI Bank leads
At one point they fell below $70, after settling above that level for the first time since November 2014 on Monday. The BSE Sensex jumped 141.71 points or 0.40 percent at 35,349.85 while the NSE Nifty jumped 24.65 points or 0.23 percent to 10,740.15 in early trade. Read More »
Stamp Out Hunger Food Drive Is Saturday, May 12th
Letter carriers around the nation will be collecting donated items that people leave at their mailboxes, including in the Upstate. Fairfield First Selectman Mike Tetreau said, "The Town of Fairfield is proud to support the Letter Carriers' Stamp Out Hunger Food Drive once again this year". Read More »
IShares MSCI EAFE ETF (EFA) Rises 0.04% for May 7
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Restaurants required to display calorie counts starting Monday
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Uber hires safety adviser after fatal self-driving auto crash
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AAA: Gas Prices Holding Steady in Florida
Gas in Flint has dropped 16 cents per gallon with a new average of $2.79/g. Van Wert has the second lowest gas prices at $2.57, followed by Auglaize at $2.581, Allen at $2.589, Hardin at $2.59, Mercer at $2.60, Hancock at $2.62 and Putnam at $2.677. Read More »
Pelicans fall to Warriors 118-92; down 3-1 in series
As a result, that gravity hasn't been consistent in the Warriors' three games with him in the lineup. Other than Curry, no one on the Warriors expected him to be Wardell the Warlock on a consistent basis in this series. Cleveland, which has a chance to win its way back into the Eastern Conference finals for the fourth consecutive year on Monday night if it can finish off a sweep of Toronto, nearly didn't even get to this round. Read More »
Apple should buy back shares: Warren Buffett
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Nestle pays $7.1 billion to market Starbucks' coffee
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China Approaches US To Relax ZTE Ban
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Air France hit by new strike, sinking shares, quitting CEO
The quantity of spectacular staffers appears to be marginally falling as the airline passes its 14 th evening of Walk-outs in the past months. "We're minority shareholders. The company declined to comment further on what format that would take or how long the transition would last. "Air France will disappear if it does not make the necessary efforts to be competitive". Read More »
Author Junot Diaz accused of sexual misconduct, abuse by multiple women
Diaz, who penned The Brief and Wondrous Life of Oscar Wao and This Is How You Lose Her , has been widely regarded for his compelling storytelling about the Dominican-American experience. "We must continue to teach all men about consent and boundaries". Neither Diaz nor MIT have responded to requests for comment. "Absolutely", she said. Read More »
Nuveen Real Estate Income Fund (JRS) Trades at $9.80 Forming Multiple Bottom
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Warren Buffett deflects questions about a successor
He explained and also Buffett usually do not approve of re-purchase strategies. Buffett said he still spends most of his time reading about businesses, thinking and fielding the occasional phone call. "I'm starting a candy company & it's going to be awesome", he tweeted. Musk, who did not attend the Berkshire Hathaway meeting, caught wind of Buffett and Munger's comments, and apparently felt he was being trolled. Read More »
(NYSE:MRK) Shares Bought by Morgan Dempsey Capital Management LLC
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Cambridge Analytica must return data to USA academic
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Mukesh Ambani's daughter to tie the knot with Piramal scion
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1 killed, 3 missing after natural disaster strikes Polish coal mine
Rescuers battled in the early hours of Sunday to reach four coal miners who remained trapped almost one kilometre (0.6 mile) underground in southern Poland after an quake. The State Mining Authority said the tremor had a magnitude of 3.4 on the Richter scale. TVN24 said the quake was also felt on the surface and shook some houses. Read More »
Wisconsin man eats 30000th Big Mac burger, setting a new world record
Gorske says he's eaten at least one Big Mac nearly every day since May 17, 1972. His achievement was recognized by Guinness World Records in 2016 when he was tallied in at 28,788 Big Macs. He even has the day when McDonald's switched to shredded lettuce marked down: February 10, 1999. Gorske has appeared on the "Rachael Ray Show ", "Jimmy Kimmel", " Lopez Tonight ", "I've Got a Secret", " Oprah " and " Inside Edition ". Read More »
Agency: Pilots caused 3 San Francisco airport close-calls
Longtime American Airlines pilot Chris Manno said the runways at the airport require pilots to be "on top of your game" when landing. An Air Canada pilot says he aborted a landing at San Francisco International Airport before hearing from the control tower because "things were not adding up" when the jet almost landed on a taxiway occupied by four other planes last July. Read More »
Flight attendant accused of bad behavior was drunk
United Airlines says it has compensated all of its passengers that were on a flight from Denver to Williston Thursday afternoon after a "concerning incident" involving a flight attendant arose. The flight attendant was not arrested, according to Click2Houston. "The safety of our passengers and crew is ours and United's top priority". United Airlines said it is refunding air fare for passengers "as a gesture of goodwill". Read More »
Iran foreign minister insists Iran won't renegotiate nuclear deal in YouTube video
There've been speculations that Tel Aviv started developing its nuclear program in 1948-1949, with its first deliverable nuclear weapons being allegedly created in 1966; its purported arsenal is estimated to contain up to 400 warheads. Seyed Hossein Mousavian is a Middle East security and nuclear policy specialist at Princeton University, former spokesperson for Iran its global nuclear negotiations and author of "Iran and the United States: An Insider's View on the Failed Past and the Road to ... Read More »
Lufthansa-Air France or BA-Air France?
The chief government of Air France-KLM raised the stakes earlier within the day, warning he would stop if staff rejected the corporate's newest supply on wages after weeks of rolling strikes by pilots and different employees. He will officially resign next Wednesday, Air France-KLM said. Strikes in recent weeks were responsible for huge additional in losses , the company said, with further industrial action planned for May 7 and May 8. Read More »
ISM Reports 108th Consecutive Month of Economic Growth in Manufacturing
On new orders, closely watched for what may happen in the months ahead, the Ai Group said the subindex has been expanding strongly since late 2016 and continues to indicate good growth prospects for manufacturing for the remainder of 2018. The index indicated a slower growth in the current month, when compared to its level in the preceding month. Last month due to days of closures of businesses across Ireland following a snowstorm that had never been seen in the country in 36 years, the ... Read More »
Prudential Financial (PRU) Receives Media Impact Rating of 0.28
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Porterfield to lead Ireland in historic Test
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Macquarie Group Ltd. Sells 6000 Shares of Allscripts (NASDAQ:MDRX)
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France says proposed cut to European Union farm subsidies is 'unthinkable'
EU Budget Commissioner Guenther Oettinger, who called for states to show unprecedented speed and agree on the budget within a year, said it was inevitable that there will be disputes: "There will be cuts, which many countries will complain about, and there will be new spending, which the others will complain about", he remarked. Read More »
Wells Fargo & Co (WFC) Stake Maintained by Quantitative Investment Management Llc
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Self-Driving Car from Alphabet's Waymo Involved in Collision
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Starbucks Canada closing all stores temporarily in June for race training
The arrest of Rashon Nelson and Donte Robinson on April 12 touched off a furor around the USA over racial profiling. Robinson and Nelson, who are African-American, were arrested on trespassing charges last month at a Starbucks in downtown Philadelphia after they didn't order anything. Read More »
75 million more Apple shares purchased by Warren Buffett of Berkshire Hathaway
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Southwest Flight Makes Emergency Landing After Window Cracks, No Injuries Reported
The new permanent airworthiness directive lowers the threshold for the ultrasonic inspections, expanding the number of engines requiring inspections by about 2,500 to an estimated 3,716 engines on USA planes. Any blades that show signs of fatigue must be replaced. That suggests that the crack grew relatively quickly, but investigators didn't provide any timeline. Read More »
Analysts Rating Review: Esperion Theraptc Cmn (ESPR)
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Aer Lingus owner IAG records a 75% jump in quarterly profit
Norwegian said in late April that a number of groups had made advances since IAG bought its stake. IAG had taken a small shareholding in Norwegian and had indicated the potential for making an offer for the company. The firm was able to boost its passenger unit revenue by 3.5 per cent, although once adjusted for currencies it was down 0.7 per cent. Its load factor, a measure of how full its planes are, rose 1.5 percentage points to 80.5 percent. Read More »
Vodafone Launched Rs. 349 Recharge Pack to take on Jio, Airtel, Idea
Jio's Rs 299 prepaid plan gives users 3GB 4G data per day for 28 days and unlimited calls, and free access to its suite of MyJio apps. The Rs. 99 plan comes with 26 days validity, whereas the Rs. This plan is available in all circles of India where BSNL is available. All the roaming calls (incoming and outgoing) are totally free and unlimited in this plan. Read More »
Eqt Midstream Partners LP Q4 2017 Institutional Investor Sentiment Worse Than Expected
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Amazon.com (NASDAQ:AMZN) Price Target Lowered to $0.00 at Deutsche Bank
One Capital Management LLC purchased a new stake in shares of Amazon.com during the 1st quarter worth $320,000. Rock Springs Capital Management Lp sold 19,000 shares as the company's stock declined 18.69% with the market. Since December 7, 2017, it had 0 buys, and 13 insider sales for $45.88 million activity. Efg Asset Management (Americas) has invested 1.31% of its portfolio in Amazon.com, Inc. Read More »
Places to Celebrate Cinco de Mayo in Beijing
The cost is $10 for 10 hits, plus an extra 10 hits for $5 more . Wouldn't you rather pay for a ride home? Restaurants and bars capitalize on the holiday in a big way. If you know someone who is about to drive buzzed or "high", step in and help. Sgt. Rob Brown of Prescott Valley Police Department's traffic control unit said the objective of the patrol is to save lives, reduce traffic accidents and enforce traffic laws. Read More »
Alibaba Stock Climbs After Fiscal Q4 Earnings Beat Forecasts
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GST Council agrees to change ownership structure of GSTN
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Failed Southwest Air jet engine had passed seven inspections
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Walmart (WMT) Position Reduced by HM Payson & Co
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Reddit To Relaunch Crypto Payments
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As we approach the end of 2016, companies are starting to budget and plan for 2017. When creating your budget, don't forget to account for your telecom costs. Expected 2017 TEM trends (telecom expense management) show us that telecom costs are anticipated to increase. Though this is not in company's favor, it's good to be aware of. The industry of telecom continues to grow and there are TEM trends to be mindful of as we approach the new year.
Increased telecom costs are not the only changes that we will be seeing around the corner. Trends you can expect to see in telecom environments include new ways to incorporate telecom costs into your IT budget, the increase in mobility, the effect seen by the retirement of Baby Boomers, and security trends that have accumulated.
How to Incorporate Telecom into your IT Budget
In your budget, you should be including hardware, software, services and subscriptions, capital, projects, and rainy day buffers. Most of your telecom expenses will be incorporated into your hardware budget. Computers and other devices are types of hardware that need to be accounted for. While creating a budget that includes your telecom costs, you should also be thinking of ways to reduce those expenses. When you meet with a Telecom Expense Management team they can tell you where most your telecom expenses are coming from and how you can reduce them by up to 40%.
Mobility is Outpacing Wireline
Mobility is increasing and will be among other notable TEM trends in 2017. The wireline work is beginning to die as individuals find more benefit in only using mobile devices. This will change the dynamic of your telecom environment and how you should be managing it. With mobile devices come different options for how you split minutes and data amongst your employees. Having the knowledge to properly manage your mobile devices is important if you do not want to be overspending.
The Baby Boomer Retirement Affect
According to the article "Do 10,000 baby boomers retire every day?", published by the Washington Post, on average there are 10,000 baby boomers who are retiring every day. This being the case, the ways these individuals are using devices are changing as well. Individuals aged 60 and up are spending less time at a desk in front of a computer screen, and more time on cell phones and tablets. With the increased retirements, companies should keep an eye on the devices that were used in the office and where any work-related information is going. Increased telecom security can eliminate this problem.
Security Concerns
As you may already know, with the increased amounts of retirements and new employees hired comes new security concerns. As far as TEM trends go, the conversation surrounding security and disaster recovery has been among the most talked about in 2016. What'll happen to the confidential information on employee's devices when they retire? Having a security plan that will avoid any trade secrets from walking out the door is essential. It will depend if you are implementing a "bring your own device" system or if employees devices are "corporate owned personally enabled".
Telecom expense management companies are experts when it comes to the trends that will be approaching in 2017. If you have questions, or you want some or all of your telecom inventory and expenses to be managed by experts, don't hesitate to call. Telecom expense management is designed to help companies save time and money on your IT telecom expenses. Don't miss out on this opportunity to examine your environment and gain visibility to improve your bottom line and streamline operations.


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This is an edited excerpt from a roundtable discussion held at the MoneyWeek offices on December 13 (at which point bitcoin was trading at around $16,000 to $17,000, ahead of peaking in mid-December at just under $20,000 or so).
You can read the rest of the roundtable here. And if you're not already a subscriber to MoneyWeek magazine, you can read our future roundtables as soon as they're published by signing up for your first four issues free here now.
John Stepek: Obviously the most important question right now is – what do you make of bitcoin?
Jim Mellon: I know someone who put a lot of money into bitcoin at the start of the year (2016). He's now sitting on $60m-worth of the stuff. Every week, I say "please take the money off the table". But he thinks it's going to go stratospheric and so far he's been right.
But the big problem is not getting out of it – it's very liquid. The big problem is getting a bank that will accept the proceeds of the sale of bitcoin. If you sell out, you get a credit in one of the exchanges, CoinBase or whatever. But when you try to transfer the money to a high street bank, they say no. So you can only sell in lots of $25,000 or so. This guy is sitting on a lot of them and it's not easy to get out of it.
Jim Leaviss: You could hedge nowadays though, via the futures market.
Jim M: But you have to put down a hefty margin as collateral.
Charlie Morris: It is a problem. There's a lack of selling pressure in the bitcoin space because of this. But at the same time, bitcoin has created $500bn of value with the banking system against it. Now, imagine where it would be if the banking system was assisting it?
John: How much of that, though, is precisely because it's outside the banking system?
Charlie: Do you think liquidity would have kept the price down? I think it would have led to more participation.
John: But bitcoin is not really a currency, is it?
Charlie: It never has been.
Lucy MacDonald: Well, we're not sure exactly what it is yet, are we? It's got some characteristics of a currency, some characteristics of an asset, a bit of commodity as well. What do people think it is?
Jim M: There's a lot of tax evasion going on in this world, and a lot of dark activity on the web. Apparently, 30% of all the drugs in the US are now bought on the dark web and paid for with bitcoin. But it's not a unit of exchange because it's far too volatile. So if we wanted to buy a coffee here, for example, we wouldn't really know what the price was.
Charlie: And the fee would exceed the price of the coffee.
John: Yes – it's almost as difficult to buy stuff with bitcoin as it is to buy stuff in Tesco's with a pot of gold. So I guess the question is – what's it going to turn out to be?
Charlie: Well, it was a highly efficient barter instrument, and it's now an inefficient barter instrument. But the real story here is that the space is not going to go away. Remember the internet – we knew that something was coming out of it, we just weren't sure what it was. But the internet has discovered how to exchange value; you know, don't bet against that.
Lucy: But it's the blockchain technology isn't it? I mean, that's what's going to be used by most financial institutions for a start, and already is.
Charlie: Yes, but what you must not say in this space is I love blockchain and I see great potential – but I don't like bitcoin. That's a cliché now.
Jim L: What do you think about the energy consumption element of bitcoin? I just think it's mindboggling that we're burning a small town's worth of electric lights just to maintain the blockchain.
Jim M: But that's why some people are moving across to ether, where there isn't a restriction on the number of coins, and you don't mine them. And there are a lot of these currencies now – it's not just bitcoin. I'll give you an example of a crypto that I've heard about which looks quite useful and could be a good example of how they could work in the future.
We've all got health data that people want to get their hands on, because once you aggregate health data, it becomes very valuable. What if I could persuade you to share your health data by issuing you with tokens which you can then use to buy health services? That's what a friend of mine is doing. I think it's a very clever idea. That's a use of a quasi-bitcoin currency that actually has some validity.
John: That whole area of data broking is interesting – what's it called?
Jim M: It's called Longenesis. And the currency unit is LifePound.
Lucy: You see health, I can see the value of that. But for other concepts – like paying for travel, say – it's hard to see the use case. You just pay with Visa.
Tim Price: But some of these concepts, you can't see. Or at least someone ignorant like me can't see what they are at inception. And then they develop value over time. Twitter is a great example. I could never see what the point of Twitter was – at first it was for people who want to know what XYZ personality puts on their toast in the morning. But then it gets to a critical mass of users, and you start to see the value. Twitter is now basically a personalised news and information feed. It's a terrific service. I'd probably never buy shares in it, but none of the value in it today was visible back when it was first launched. It's taken time to find a niche.
Jim L: It's practically disintermediated media. I mean, I'd rarely look at my Bloomberg screens for news anymore.
Tim: Well, Twitter is faster. Some of it is even true!
Charlie: The key is, Twitter is a network. It's a network of 300-and-something million people – some very significant, like Trump, and some of them, you know, like me, who's not particularly important. And those people coming together, doing stuff, interacting with each other… that's where the value is. And the same is true with an ICO [initial coin offering]. So if you can create a crypto whatsit that moves about and gets people interacting with one another then it's valuable. But there's no intrinsic value in holding the ones and zeros. There's an intrinsic value in the network that brings people together.
Lucy: Yes. I think you need to throw it out there and see what happens. And if it gets engagement, then fine; if it doesn't, then it doesn't work.
Steve Russell: I think the problem is that while bitcoin may be a useful, worthwhile asset, it's become all about the speculation. And with that sort of volatility, it fulfils none of the uses that it could do. So it's difficult. I wouldn't buy bitcoin. But I wouldn't dismiss it as an entity.
Charlie: I think someone here needs to defend bitcoin.
John: Yes. That's why you're here, Charlie.
Charlie: I agree with you, Steve – it's speculative, it's crazy, the volatility – 100%. But it's been a wonderful experiment in money. And it's all lessons that we've learnt from Adam Smith and Isaac Newton and the gold standard, all these things put together – you've seen it play out in the last few years. And bitcoin has become this reserve cryptocurrency. It's fascinating. Now, under the surface, there's an attempt at creating utilities that kicked off in 2017 with thousands of IT projects, all looking at creating networks. And we just don't know where this whole thing is going. But bitcoin has become the funding mechanism.
And we're talking about the internet here. The internet really is this mechanism that brings the world together in a way that's never been previously possible. So if we're going to have a bubble at this stage, it's going to be vastly bigger than what we've got now. Even if there's a correction now of 80%, which has happened three times before – bitcoin loves 80% crashes, it's quite normal – so what? There could easily be another run. And if it's not bitcoin, it could be a friend of bitcoin within the space. So it's a very dangerous game to bet against the concept of the transfer of value on the internet, even though I entirely agree with you all that it's a crazy thing to buy today, and it's very volatile and very dangerous and all the rest.
Jim M: Well, we're all on the same page in that respect. I mean, we think that it's going to fall very sharply. You wouldn't recommend to MoneyWeek readers that they buy it today. But should it fall by 80%, you might reconsider.
Steve: The problem is, if it does fall by 80%, is that confirmation of the fact that it falls by 80% and then quadruples? Or is the fact that it's fallen by 80% just the start and it'll then fall by another 90%?
Jim M: One thing that is interesting is that gold only went up by about $100 last year. I don't think that's down to a lack of inflation – I think it's down to displacement speculation in bitcoin.
Charlie: Do you believe that? Do you believe that the nutters have gone to bitcoin and away from gold?
Tim: Well, I've got a lot of sympathy for the argument that bitcoin is behaving how gold might behave if it didn't have a gigantic paper speculative market attached to it.
Charlie: But bitcoin has been driven by South Korean kids, not by 50-year-old Texan men who think the end of the world is coming. It's a different demographic.
Steve: Bitcoin is a very good potential replacement for gold. But it comes back to this problem that you need some evidence that it is a safe haven before you trust it as a safe haven. Can you trust it to do the job when you need gold? Gold works because people historically have trusted it, and they have no other option.
Tim: There is no event that could immediately just evaporate all gold in the way that an EMP blast could immediately evaporate and reset everyone's digital accounts to zero.
Charlie: I spoke at the London Bullion Metals Association conference in Barcelona the other week. I gave the audience four economic scenarios: socialism, inflation, nuclear war, or growth. Then I asked them which asset they'd prefer in each – gold or bitcoin.
Bitcoin only won in the "growth" environment – and right now, the world is growing well and we all feel like speculating, so bitcoin is winning. Bitcoin also didn't do too badly on inflation – it only just lost to gold. But on socialism and nuclear war, gold came through resoundingly.
Tim: Yes, I'm not sure I agree that it could replace gold. The classic economic definition of money is that it's a store of value; a medium of exchange; and a unit of account. I'm not sure if bitcoin will ever satisfy any of those. And if you look at the characteristics of what makes a good investment, what you're looking for are independence, scarcity and permanence. Bitcoin only caters to the independent part of that. It doesn't cater for the other two.
Charlie: Well, it's scarce.
Tim: Well, it's scarce, except that they keep mysteriously halving it.
John: You're talking about the forks.
Tim: Yes.
Charlie: Well, the mark one original bitcoin is scarce…