text:
South Island Bliss
Caleb and I are on holiday in the South Island this week. We flew to Christchurch and hired a pretty snazzy car. It has only done 40km! I wonder if we can put another 1000kms on it.
Below is a place we stopped off at called Geraldine. BEST pies EVER. Well worth the stop. If I'm going to eat bad – it needs to be bloody good.
I love this place – they have "next level" frost. It goes "crunch crunch crunch" under your shoes. Its so cold in the shade! I have never been so cold before. We stopped and pulled over when we saw this crazy frost. There were puddles that had frozen over! I went and jumped on all of them.
Our first stop – Lake Tekapo. The sun is really bright and harsh, but at least we have SUN right! The lake is a beauty, and we stop once again to skim some pebbles across the water. I have been doing a wee bit of filming too. Caleb is pretty awesome at skimming pebbles. But the best one he does I just happened to stop filming. hehe aww oops.
We drove up to Mt John to do a bit of sight seeing, 360 views and boy it was like WOW.
After Mt John we went back to Lake Tekapo to do a bit of Ice Skating and relaxing in the pool. Caleb found some more frost and wanted a photo (dont blame him, still buzzing out).
Ice skating for the physically challenged. Took me a while to get into it. But I think I'm okay at it now. Caleb was doing spins, hops and crazy ice flying stops. Did I mention I got an awesome fail on film? hehe
Honestly I cannot remember the last time I have had frost on my car. So this is awesome. We wrote our names in it too!!
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262 thoughts on "South Island Bliss"
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Additionally, DeParle offers a unique perspective on the current political environment. She speaks to the esoterica of budget negotiations, the politics of a divided Congress, and how President Obama will likely to approach major issues. After leaving the White House, DeParle served as a lecturer in law at Harvard Law School and a guest scholar in economic studies at the Brookings Institution. She is currently a partner at healthcare-focused private equity firm Consonance Capital.
DeParle's interest in paying for healthcare comes from experience. She was only a teenager when her mother was diagnosed with aggressive lung cancer. Her mother continued working through her treatments so she could hang onto her job-sponsored health insurance. This led her to devote her life toward becoming a health policy expert, a feat she certainly accomplished. Before her time in the Obama administration, DeParle worked in the White House budget office under President Bill Clinton and was one of his point people on the 1990s attempt at healthcare reform. Serving as the associate director for health and personnel at the Office of Management and Budget, she handled budgets for federal healthcare programs and took on the task of managing Medicare and Medicaid as the administrator of the Centers for Medicare and Medicaid Services.
DeParle was the first woman elected student body president at the University of Tennessee, for which Glamour magazine named her one of 1978's top 10 college women. After graduating from Harvard Law School, Governor Ned McWherter appointed her to lead the Department of Human Services, making her the youngest Cabinet secretary in Tennessee history. As commissioner, she saw firsthand the healthcare system's impact on workers and families.
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Speech Topics
The Affordable Care Act and the Transformation of American Healthcare.
As the woman whose influence helped write and pass the legislation, DeParle discusses the long-term effects of the Affordable Care Act with an insider's view of how it came to be, where the 'bodies are buried,' and what implementation will look like. DeParle knows the ins and outs of this 900-page bill like no other speaker on the lecture circuit and tailors her talks to cover the issues important to her audience. She addresses why President Obama took on healthcare during his first term, what the system looked like before the ACA, the logic (and compromise) behind the current legislation, the changes and ramifications of the Act, and what problems the bill solves in American healthcare. She also discusses issues like current healthcare trends, whether the Department of Health and Human Services and the IRS are ready to administrate the new system and how states are handling setting up the marketplaces and exchanges. In her talk, DeParle covers healthcare from several points of view – from working with Congress and the president, to healthcare administrators and current patients.
Domestic Policy During the Obama Administration.
Nancy-Ann DeParle is a leading expert on policy issues and a unique perspective on the political environment. As the Obama's former deputy chief of staff, she oversaw all policy and regulatory matters for the White House, including energy, environment, education, national security, manufacturing, economy, and more. The most senior female member of the Obama administration, DeParle has great insights into the political landscape and the role of the White House in the current legislative climate. She tackles the audience's selected topic areas and outlines Obama's likely approach to major agenda issues in his second term, speaking to issues like the esoterica of budget negotiations, the politics of a divided Congress, the ramifications of policy decisions, and the behind-the-scenes happenings at the White House.
Regulatory Policy and Obama's Approach to Regulation.
Part of DeParle's job as the White House deputy chief of staff was determining – on behalf of the president – which regulations passed and which ones did not. The general criterion for those that did was that it created jobs, but oftentimes, their necessity was more nuanced. DeParle outlines the Obama administration's approach to regulatory policy and how she viewed the pros and cons of specific regulations. A former Harvard Law professor on the subject, she addresses how regulatory policy affects businesses and the economy.
The Future of Entitlements.
Nancy-Ann DeParle has experience both managing entitlements (both the programs and their budgets) and affecting reform policy under Presidents Clinton and Obama. In this presentation, she outlines how the ACA affects entitlements for both current and future program participants, discusses the costs of the programs, how they could be improved, and the ramifications of any changes, in terms of cost controls or eligibility requirements. DeParle also looks at the politics behind healthcare and current industry trends to address where the future of entitlements in America is headed, for better or worse.
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NEW YORK, Feb 5 (IFR) - Struggling US lender Springleaf Financial, in the midst of a restructuring to stave off bankruptcy, has raised eyebrows in the market with the first US personal loan ABS offering since 1998.
The repackaging of its loans as asset-backed securities (ABS) comes as Springleaf faces questions over the size of its debt obligations coming due in the next few years.
Unlike auto loans and mortgages, personal consumer loans are only rarely securitized, or bundled together as underlying collateral for securities publicly sold to investors.
Springleaf, which is 20 percent owned by US bailout recipient AIG, has not been shy about testing investor appetite since the onset of the financial crisis.
In August the lender sold US$970 million of securities backed by subprime residential mortgages, as it scrambled to raise cash to pay down US$2 billion of debt due by end 2012.
It was the third subprime RMBS (residential mortgage-backed security) sold publicly in the United States since the onset of the financial crisis, which was sparked by bad subprime mortgage loans. All were sold by Springleaf.
At the same time, as part of its restructuring, Springleaf has decided to stop providing residential mortgage loans and is closing all branches in 14 states.
Rated Caa1/CCC by Moody's and Standard & Poor's, the Indiana-based lender is expected to offer US$500 million of senior fixed-rate bonds and US$104 billion subordinated bonds in its new ABS offering.
The average balance of loans in the underlying collateral pool is approximately US$3,500, and the weighted average FICO credit score of the recipients is a relatively very low 602.
While Springleaf has significant debt obligations coming due, S&P said that the company's current liquidity was adequate to meet its obligations into 2014 without issuing further debt.
But the ratings agency also said it was concerned that Springleaf is highly leveraged - with a long-term debt to equity ration of 9.6:1 - and has more than US$12.6 billion in debt.
"While the company has addressed its short-term liquidity concerns through 2014, it has pressing liquidity needs after 2014, which would coincide with the amortization phase of this transaction," S&P said.
The loan pool for the new deal, likely to be offered for sale to the public next week, is expected to be around 90% comprised of so-called hard secured loans - that is, loans secured by a lien on the personal assets of recipients such as autos, motorcycles and recreation vehicles.
Citigroup (structuring lead), Bank of America and Credit Suisse are the underwriters for the new deal from Springleaf, which was formerly known as American General Finance.


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Port of Fujairah to publish weekly oil inventory data
Sept 26, 2016: The United Arab Emirates port of Fujairah will publish weekly inventory data to improve transparency and boost the credentials of the Emirates' only Indian Ocean port that has oil export facilities.
Given the low crude oil prices, this move is in line with the UAE government's 2021 Vision to open up its data. The country's energy minister, Suhail Al Mazroui, says it will bolster Fujairah's drive to replicating the practices of leading global energy trading ports such as Singapore and Rotterdam.
On September 21, Fujiarah unveiled UAE's first Very Large Crude Carrier (VLCC) jetty which can handle the loading/unloading of up to two million barrels per vessel. At an average investment of AED 650million, the construction of a second jetty already underway.
At the time of the jetty's inauguration, the port received another boost after global energy data provider Platts announced it would publish independent, outright price assessments for a range of oil products for the Middle East market on a FOB [Free-On-Board] Fujairah basis starting on October 3, 2016.
The new assessments are for gasoline, diesel/gasoil, jet fuel and fuel oil. They will be published alongside existing data for these products which derive their values from the price assessments at Singapore after adjusting for shipping costs.