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In November 2008 the US Federal Reserve announced its first programme of Quantitative Easing which was dubbed "QE1". Following the announcement the US stock market, represented by the S&P 500 index, rose by 37.5%. The US market also rallied strongly on the announcement of subsequent stimulus programmes, i.e. QE2 and Operation Twist.
Off the back of the first three stimulus programmes the S&P 500 rose by an average of 20.2%. However in the wake of the Fed's announcement of QE3 on 13 September, the S&P has so far fallen by 1.7%. The question is, has the magic of QE finally faded and should investors take defensive action?
Below is a chart of the S&P 500 index which shows the announcements of QE1, QE2, Operation Twist and the Fed's latest round of economic stimuli, QE3.
A 5 year chart of the S&P 500 index showing the Fed's stimulus programmes (Click on the chart for a larger version)
Chart courtesy of stockcharts.com
The S&P 500 index is generally considered to be the benchmark for the US stock market which is the largest most liquid equity market in the world.
QE timeline…
Quantitative Easing 1: On 25 November 2008 the US Federal Reserve announced that it would purchase up to $600 billion in agency mortgage-backed securities (MBS) and agency debt. On 1 December Fed Chairman Ben Bernanke gave a speech in which he provided further details, and on 16 December the program was formally launched by the Federal Open Market Committee (FOMC).
On 18 March 2009 the FOMC announced that the program would be expanded by an additional $750 billion in purchases of agency MBS and agency debt and $300 billion in purchases of Treasury securities.
Between 25 November 2008 and 31 March 2010 the S&P 500 rose by 37.5%.
Quantitative Easing 2: On 3 November 2010 the Fed announced that it would purchase $600 billion of longer dated treasuries, at a rate of $75bn per month. That program, known as "QE2″, concluded in June 2011.
Between 3 November 2010 and 30 June 2011 the S&P 500 rose by 10.6%.
Operation Twist: On 21 September 2011 The FOMC announced the implementation of Operation Twist, a plan to purchase $400 billion of bonds with maturities of 6 to 30 years and to sell bonds with maturities of less than 3 years, thereby extending the average maturity of the Fed's portfolio of bonds.
On 20 June 2012 the FOMC announced that it would extend its Operation Twist programme by $267 billion, thereby extending it through to the end of 2012.
Between 21 September 2011 and 20 June 2012 the S&P 500 rose by 12.6%.
Quantitative Easing 3: On 13 September 2012 the Fed announced a third round of quantitative easing "QE3". QE3 is an open-ended commitment to purchase $40 billion of agency mortgage-backed securities per month until the labor market improves "substantially".
Since the announcement of QE3 the S&P 500 has fallen by 1.7%.
The bottom line
It is less than two months since the Fed announced QE3, it is therefore too early to conclude that the magic of QE has finally faded and that investors should take begin taking defensive action. The lack luster performance of the US stock market since the announcement does however warrant closer attention.
It may just be that QE3 was so well telegraphed thanks to the Fed's new policy of openness that it was already priced into the market. It's also possible, as we have said before, that the market is waiting for the outcome of the US presidential election. It's is also possible that investors are fearful of the impending US fiscal cliff and are waiting for resolution their too.
However it is also possible that the market is beginning to price in a spell of deflation, in which case we can expect further falls. Those wanting to make a case for such as scenario could point to the fact that the money multiplier is at a 50-year low, or the fact that bank lending has not increased in any meaningful way. It is also worth noting that a lot of the liquidity that the Fed (and other central banks) are creating is simply being recycled back onto the Fed's balance sheet in the form of excess reserves.
If a period of deflation does transpire it would surely be met with even greater stimulus, since deflation would be devastating for the US and other heavily indebted western nations.
Another possibility is that investors have finally realized that QE is no panacea for economic health. This would certainly help to explain the diminished response by the markets to each successive round of stimulus.
In any event, this is certainly a topic that we will continue to follow and report on.


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2 cups of ricotta
⅓ cup Parmesan cheese, plus more for garnish
1 fresh smashed garlic clove
¼ cup frozen chopped spinach ( squeezed and drained)
1 egg
salt, pepper
roasted squash, around 2 cups
and grated lemon peel
1 stick of butter
10 sage leaves
fresh lemon juice
Peel, chop and toss in olive oil your butternut squash, then in a hot oven roast at 425F for 15-20 minutes.
Cook your jumbo pasta shells according to directions.
In a bowl add aprox, 2 cups of ricotta,
1/3 cup parmesan cheese,
1 fresh smashed garlic clove,
1/4 cup frozen chopped spinach ( squeezed and drained)
1 egg,
salt, pepper,
your cooled down roasted squash, around 2 cups,
and grated lemon peel. The lemon peel was key to this dish and added a nice bright flavor.
Stuff the shells with the mixture and place in a buttered baking dish.
Make a sage brown butter sauce by melting 1 stick of butter in a saute pan until golden brown and bubbly.
Add at least 10 sage leaves until slightly crisp. Turn off heat and squeeze in fresh lemon juice.
Place your shells in a 400F oven until heated through around 20-25 minutes. When finished spoon your warm sage sauce all over and sprinkle with grated Parmesan.

subset: commoncrawl


text:
WaMu Files New Ch. 11 Plan With Judge's Suggestions
The plan, filed in the U.S. Bankruptcy Court for the District of Delaware, attempts to address the concerns Judge Mary F. Walrath expressed over certain release provisions in her Jan. 7 opinion denying the original plan's confirmation.
"The company believes that the modified plan has addressed the bankruptcy court's concerns and looks...
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2016 Census - It's Not too Late!
It's not too late to complete your census questionnaire.
Go to www.census.gc.ca to complete it online. Enter your 16-digit secure access code and follow the instructions. If you received a census letter, your secure access code is located at top of the page. If you received a paper census questionnaire, your secure access code is located at the top right corner of the first page. Alternatively, you can complete a paper copy and return it in the green envelope accompanying the questionnaire.
Complete your questionnaire today. It's important! For more information, visit www.census.gc.ca or call 1-855-700-2016. Respondents who use TTY (a telecommunications device for people who are deaf)can call 1-866-753-7083.
The 2016 Census means services and increased grant dollars for the taxpayers of Melfort, so it's important to be counted. The census collects demographic information on every man, woman and child living in Canada. Information from the Census of Population is used by all levels of government, businesses, and various social service organizations and ethno-cultural organizations. The data are used in the administration of government programs and in planning pensions, healthcare, employment programs, new schools, public transit, hospitals, daycare centres, etc.
All residents of Canada are legally required to complete either the short- or long-form census questionnaire, according to the Statistics Act.
Statistics Canada is bound by law to protect the confidentiality of the information respondents provide in the census. Only Statistics Canada employees who have taken the oath of secrecy have access to census questionnaires.
Click here for more information about the 2016 Census and frequently asked questions.


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Shiozawa finds success at Cheyenne on Daughter's Horse
For Immediate Release
Contact: Susan Kanode
(817) 307-6336
CHEYENNE, Wyo. — July 22, 2014 — Matt Shiozawa had a lot to smile about as he left Frontier Park on Tuesday.
The Chubbock, Idaho, resident had justfinished his run in tie-down roping stopping the clock in 11.8 seconds to move into second in the second round and take the lead in the overall standings at the 118th Annual Cheyenne Frontier Days Rodeo. He was heading to rodeos in Utah and is now making plans to be back Sunday afternoon for the finals and have a chance to earn his first title.
"Right now I'm pumped, I've never been in this position," Shiozawa said. "I made the short round (finals) here at least ten years ago. It's going to be good to run another one in the short-go here."
Shiozawa's success here as well as at many other rodeos has come aboard a horse owned by his four-year-old daughter Stella that the family calls Gray Pony. After missing the last year's Wrangler National Finals Rodeo (NFR) competition, he is currently ranked fourth in the Professional Rodeo Cowboys Association (PRCA) world standings. He is definitely in contention for his first world championship and a big win here would help him achieve that goal.
There were also several other overall lead changes here on Friday. Prior to the rodeo in slack, North Dakota team ropers Preston Billadeau and Jesse Fredrickson took the lead with a total time of 19.5 seconds on two runs. Former NFR qualifier and current college rodeo coach, Stockton Graves, from Alva, Okla., is the fastest man on two head in steer wrestling with a total time of 19.9 seconds.
Cody Wright from Milford, Utah has two gold buckles to his credit as a world champion saddle bronc rider, but he has never earned a title here. Wright had an 81-point ride Friday afternoon on Smith Pro Rodeo's Pony Man. Combined with his previous score he now has 160 points on two head and is first overall and second in the second round. His youngest brother, Spencer, also from Milford, rode the Smith horse called Goin South for 84. He is one spot above Cody in the second round and one spot behind in the overall standings with 159.
There are now four men who have ridden two bulls here. Austin Meier from Kinta, Okla., leads the overall standings with 167 points. Sage Kimzey, the PRCA world standings leader from Strong City, Okla., is now third behind Tyler Smith, from Fruita, Colo. Smith has 164 and Kimzey has 161. Trey Benton, III, from Rock Island, Texas, is fourth with 158.
The high-marked ride today in bull riding went to Chandler Bownds, from Lubbock, Texas, who is riding with an injured wrist on his riding hand and is depending on the Justin Sportsmedicine Team to get him ready to ride. Bownds rode Smith Harper & Morgan Rodeo's Pendleton for 90 points and while he bucked off his first round bull, he is fifth in the overall standings based on this score.
Competition continues at the Wrangler Million Dollar Tour rodeo on Wednesday at 12:15. Contestants with the exception of the Women's Professional Rodeo Association barrel racers will be making their first appearance here.
CHEYENNE, Wyo. —The following are unofficial current leaders after the fourth performance at the 118th Annual Cheyenne Frontier Days Rodeo, Tuesday, July 22, 2014.
Bareback Riding: (first round) 1, Ty Breuer, Mandan, N.D., 85 points on Andrews Rodeo Company's Roly Poly. 2, Josi Young, Buhl, Idaho, 84. 3, Morgan Wilde, McCammon, Idaho, 83. 4 (tie), R.C. Landingham, Pendleton, Ore.; Kaycee Feild, Spanish Fork, Utah; and Jake Vold, Ponoka, Alberta, 82 each. 6 (tie), Caleb Bennett, Morgan, Utah, and J.R. Vezain, Cowley, Wyo., 81 each. (second round) 1, Ty Breuer, Mandan, N.D., 87 points on Smith Pro Rodeo's R.D. Mercer. 2, (tie) Zachariah Philips, Casper, Wyo.; Tilden Hooper, Carthage, Texas; and R.C. Landingham, Pendlton, Ore.; 85. 5, (tie) Cody DeMers, Kimberley, Idaho, and Justin McDaniel, Porum, Okla., 82. (total on two) 1.Ty Breuer, Mandan, N.D., 172 points. 2, R.C. Landingham, Pendleton, Ore., 167. 3, (tie) Josi Young, Buhl, Idaho and Caleb Bennett, Morgan, Utah, 162. 5, (tie) Cody DeMers, Kimberley, Idaho, and Kaycee Feild, Spanish Fork, Utah, 161. 7, Tilden Hooper, Carthage, Texas and J.R. Vezain, Cowley, Wyo., 159.
Steer Roping: (first round) 1, Mike Chase, McAlester, Okla., 15.6 seconds. 2, Jarrett Blessing, Paradise, Texas, 16.3. 3, K.C. Curtis, Monroe, Utah, 16.5. 4, Ryan Willberg, Lott, Texas, 16.8. 5, Ryan Rochlitz, Minatare, Neb., 17.5. 6, Trent Mills, Wright, Wyo., 17.8. (second round) 1, Troy Tillard, Douglas, Wyo., 12.5 seconds. 2, Brady Garten, Claremore, Okla., 13.3. 3, Howdy McGinn, North Powder, Ore., 14.6. 4, Jay Pixley, Sundance, Wyo., 14.9. 5, K.W. Lauer, Buffalo, Okla., 15.1. 6, Scott Snedecor, Uvalde, Texas, 15.6. (total on two) 1, Randy Mekelburg, Yuma, Colo., 37.6 seconds on two. 2, Jarrett Blessing, Paradise, Texas, 39.3. 3, Casey Tillard, Douglas, Wyo., 41.2. 4, Kyle Moos, Kennewick, Wash., 42.0. 5, Wade Shoemaker, 46.6. 6, Quinten Taylor, Kaycee, Wyo., 46.9. 7, Paul Tierney, Oral, S.D., 47.1. 8, Cecil Wilson, Boise, City, Okla., 52.1.
Tie-Down Roping: (first round) 1, Cody McCartney, Ottawa Lake, Mich., 13.8 seconds. 2, Paul David Tierney, Oral, S.D., 14.0. 3, Clay McCuistion, Sanger, Texas, 14.3. 4, Monty Lewis, Hereford, Texas, 14.4. 5, Michael Akins, Aubrey, Texas, 14.9. 6, Trey Johnson, Burleson, Texas, 15.0. (second round) 1, Trell Etbauer, Goodwell, Okla., 11.6. 2, Matt Shiozawa, Chubbock, Idaho, 11.8. 3, Marcos Costa, Childress, Texas, 12.4. 4, Rowdy Haferkamp, Cuero, Texas, 12.6. 5, Charley Russell, Shamrock, Texas, 13.2. 6, Marty Jones, Hobbs, N.M., 13.4. (total on two) 1, Matt Shiozawa, Chubbock, Idaho, 27.6. 2, Clay McCuistion, Sanger, Texas, 28.1. 3, Joseph Parsons, Marana, Ariz., 29.7. 4, (tie) Marcos Costa, Childress, Texas, and Marty Jones, Hobbs, N.M., 30.5 each. 6, Jake Pratt, Ellensburg, Wash., 30.8. 7, Michael Akins, Aubrey, Texas, 31.0. 8, Trent Creager, Stillwater, Okla., 31.4.
Saddle Bronc Riding: (first round) 1, Sterling Crawley, Stephenville, Texas, 80 points on Smith ProRodeo's Sirocha. 2 (tie), Cody Wright, Milford, Utah; Joe Lufkin, Sallisaw, Okla.; J.R. Berg, Wainwright, Alberta; and Andy Clarys, Riverton, Wyo.; 79 each. 6, Jacobs Crawley, Stephenville, Texas, 78. (second round) 1, Spencer Wright, Milford, Utah, 84 points on Smith Pro Rodeo's Goin South. 2, Cody Wright, Milford, Utah, 81. 3, (tie) Louie Brunson, Interior, S.D., and Jesse Bail, Camp Crook, S.D., 80. 5, (tie) Jesse James Kirby, Dodge City, Kan.; Brady Nicholes, Hoytsville, Utah; Dalton Davis, Holcomb, Kan.; and Sam Spreadborough, Snyder, Texas, 78 points each. (total on two) 1, Cody Wright, Milford, Utah, 160. 2, Spencer Wright, Milford, Utah, 159. 3, (Tie) Louie Brunson, Interior, S.D., and Samuel Kelts, Millarville, Alberta, 157. 5, Jesse James Kirby, Dodge City, Kan., 156. 6, Sterling Crawley, Stephenville, Texas, 154. 7, (tie) Dusty Hausauer, Dickinson, N.D.; Jesse Wright, Milford, Utah; and Dustin Flundra, Pincher Creek, Alberta; 153.
Team Roping: (first round) 1, Payden Emmett, Ponca, Ark., and Chad Mathes, Lawson, Mo., 8.3 seconds. 2, Paul Beckett, Laramie, Wyo., and Clayton Van Aken, Descanso, Calif., 9.1. 3 (tie), Keven Daniel, Franklin, Tenn., and York Gill, Stephenville, Texas; and Ryan Von Ahn, Sac City, Iowa, and J.W. Beck, Wright City, Okla., 9.4 each. 5 (tie), Lance Fillmore, Pueblo, Colo., and Tory Shaffer, For Lupton, Colo.; and Jeff Johnston, Thedford, Neb., and Todd Hollenbeck, Long Pine, Neb., 9.6 each. (second round) 1, Bill Parker and Jace Crabb, Billings, Mont., 8.5. 2, Layne Carson, Grassy Butte, N.D., and Dustin Harris, O'Neill, Neb., 8.6. 3, Logan and Jordan Olson, Flandreau, S.D., 9.2. 4, Travis Tryan, Billings, Mont., and Michael Jones, Hico, Texas; and Preston Billadeau, Parshall, N.D., and Jesse Fredrickson, Upham, N.D., 9.5. 6, Alfred Hansen, Dickinson, N.D., and Tommy Crane, Whitewood, S.D., 9.8. (total on two) 1, Preston Billadeau, Parshall, N.D., and Jesse Fredrickson, Upham, N.D., 19.5. 2, Kevin Kessler, Broken Bow, Neb., and J.W. Nelson, Lawton, Iowa, 20.1. 3, Billy Stephens, Slaton, Texas, and Jaytin McCright, Canyon, Texas, 20.7. 4, Payden Emmett, Ponca, Ark., and Chad Mathes, Lawson, Mo., 21.1. 5, Nick Rawlings, Stephenville, Texas, and Kyle Crick, Lipan, Texas, 21.5. 6, Delon Parker, Worden, Mont., and Sid Sporer, Cody, Wyo., 22.5. 7, Kyle Roberts, Durango, Colo., and T.J. Brown, Payson, Ariz., 22.9. 8, Jason Handy, Recluse, Wyo., and Josh Hodge, Volborg, Mont., 23.1.
Steer Wrestling: (first round) 1, Tyler Pearson, Louisville, Miss., 7.7 seconds. 2, Caleb Teigen, Bismarck, N.D., 8.2. 3, Troy Brandemuehl, Douglas, Wyo., 8.3. 4, Jacob Edler, State Center, Iowa, 8.4. 5 (tie), Wyatt Smith, Rexburg, Idaho and Trell Etbauer, Goodwell, Okla., 9.1 each. (second round) 1, Stockton Graves, Alva, Okla., 7.3 seconds. 2, Christian Radabaugh, Prineville, Ore., 7.7. 3, Kyle Irwin, Robertsdale, Ala., 8.1. 4, Garrett Henry, Douglas, Wyo., 8.4. 5, Joshua Moore, Parish, Fla., 10.8. 6, Clayton Tuchscherer, Las Cruces, N.M., 10.9. (total on two) 1, Stockton Graves, Alva, Okla., 19.9. 2, Trell Etbauer, Goodwell, Okla., 20.7. 3, Caleb Tiegen, Bismarck, N.D., 22.2. 4, Troy Brandemeuhl, Douglas, Wyo., 22.3. 5, Wyatt Smith, Rexburg, Idaho, 23.8. 6, Jacob Edler, State Center, Iowa, 24.7. 7, Eli Lord, Sturgis, S.D., 25.2. 8, Clayton Tuchscherer, Las Cruces, N.M., 26.1.
Women's Barrel Race: (second round) 1, Taylor Langdon, Aubrey, Texas, 17.56 seconds. 2, Gretchen Benbenek, Aubrey, Texas, 17.90. 3, Christy Loflin, Franktown, Colo., 17.94. 4, Elaine Hollings, Pavillion, Wyo., 18.02. 5, Natalie Bland, Decatur, Texas, 18.03. 6, Kristi Steffes, Vale, S.D., 18.04. (total on two) 1, Natalie Bland, Decatur, Texas, 36.05 seconds. 2, Gretchen Benbenek, Aubrey, Texas, 36.15. 3, Taylor Langdon, Aubrey, Texas, 36.19. 4, Lynn Brown, Weatherford, Texas, 36.41. 5, Ann Peterson, Avondale, Colo., 36.47. 6, Kristi Steffes, Vale, S.D., 36.59. 7, Elaine Hollings, Pavillion, Wyo., 36.60. 8, Pamela Capper, Cheney, Wash., 36.68.
Bull Riding: (first round) 1, Howdy Cloud, Kountze, Texas, on Smith ProRodeo's Funny Face and Tanner Bothwell, Rapid City, S.D., on Smith, Harper & Morgan's Plaid Shirt, 87 points each. 3, Aaron Pass, Dallas, Texas, 86. 4, Cody Gardner, Evans, Colo., 84. 5, Sage Kimzey, Strong City, Okla., 83. 6 (tie), Tyler Smith, Fruita, Colo.; Cody Sierks, Brewster, Neb.; and Trey Benton III, Rock Island, Texas, 82 each. (second round) 1, Chandler Bownds, Lubbock, Texas, 90 points on Smith Harper & Morgan Rodeo's Pendleton. 2, Austin Meier, Kinta, Okla., 87. 3, (tie) Cody Teel, Kountz, Texas, and Bret Stall, Detroit Lakes, Minn., 86. 5, Tyler Smith, Fruita, Colo., 82. 6, Sage Kimzey, Strong City, Okla., 78. (total on two)1, Austin Meier, Kinta, Okla., 167. 2, Tyler Smith, Fruita, Colo., 164. 3, Sage Kimzey, Strong City, Okla., 161. 4, Trey Benton III, Rock Island, Texas, 158. (on one) 5, Chandler Bownds, Lubbock, Texas, 90. 6, (tie) Howdy Cloud, Kountze, Texas, and Tanner Bothwell, Rapid City, S.D., 87. 8, (tie) Cody Teel, Kountze, Texas; Aaron Pass, Dallas, Texas; and Brett Stall, Detroit Lakes, Minn., 86.
Rookie Bronc Riding: (first round) 1, Jake Watson, Hudson's Hope, B.C., 77 points on Smith ProRodeo's Fedora. 2, Garet Aldridge, Huntsville, Texas, 74. 3, Andrew Evjene, Melville, Mont., 72. 4 (tie), Zeke Thurston, Big Valley, Alberta, and Roper Kiesner, Ripley, Okla., 71 each. 6, Bill Hammerness, Goodwell, Okla., 68. (second round) 1, Shade Etbauer, Goodwell, Okla., 76. 2, Roper Kiesner, Ripley, Okla., 72. 3, Garet Aldridge, Huntsville, Texas, 71. 4, Zeke Thurston, Big Valley, Alberta, 5, Jake Watson, Hudson Hope, British Columbia, 67. 6, Garrett Buckley, Craig, Colo., 51. (total on two) 1, Garet Aldridge, Huntsville, Texas, 145. 2, Jake Watson, Hudson Hope, British Columbia, 144. 3, Roper Kiesner, Ripley, Okla., 143. 4, (tie) Shade Etbauer, Goodwell, Okla., and Zeke Thurston, Big Valley, Alberta, 141.
Wild Horse Race: 1, Casey Heemsah Tam, $536. 2, Dizzy Heifer Cattle Compnay, $402. 3, Team K3K, $268. 4, The Sprinkler Company, $134.


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The world has turned just into a small village with the advancement in the spectrum of technology. Technology has simplified everything while amplifying output which has reduced miles to just millimeters. With the birth web space, it is completely vague to conclude that the world isn't a small village on a table. Millions of transactions happen around the world every second and now with the increase in web stores and other stuff, you will find that online transactions have tremendously increased over the years. But are your online transactions really safe? Do you know how to go about it to make sure that your transaction details are safe with the person or company you're working with?
Payment forms have changed over time and now they have been simplified to just a click away from hours, days and even months for a transaction to be through. As things get simpler with technology, thieves and scammers too are not sleeping and that's why it is a good practice to know which kind website should you trust with your information. The number of people who are aware of internet security has risen but still we have vulnerable individuals who actually understand nothing about online shopping.
Thousands of online retail shops are available but are they really safe? Should you trust them with you money information? Extra caution should be employed when it comes to handling finances. You should be well conversant with the kind of e-commerce shopping portal that you should trust with your money and the delivery of your product.
To give our readers value for their time, we have sampled out key areas that you should focus on to keep your online transactions just as safe as they should be. Like earlier articulated, scammers are out there and you should have a third eye knowledge to detect these kinds of people. Don't be a victim of false pretense.
Table of Contents for How secure are your online transactions?
- 1 Use the most Advanced Online Payment Systems
- 2 Website Security Properties (SSL Verification)
- 3 Type of Internet Connection You're Using
- 4 Always Logout of your Accounts and Never save passwords
- 5 Keep Records of your online Transactions
- 6 Know the website you're to transact on
- 7 Use secure and advanced passwords
Use the most Advanced Online Payment Systems
With the change in web diversity, there are more advanced payment systems that have been here for long enough to be completely trusted. Old payment forms such as PayPal, Payooner and Skrill are systems that you should use when handling payments for your online products. PayPal is the most trusted web payment system that experiences hundreds of thousands of transactions daily, to banks, top up with your credit card and more. Even gambling sites use PayPal as their main trusted payment method. PayPal slots sites have hundreds if not thousands of daily transactions taking place, so if they are endorsing this payment system as their most trusted one, you would have to be blind not to recognize its reputation.
PayPal is advanced and far more secure as it involves confirmation of user details and also when it comes to verification, you need to be verified plus their website features hypertext transfer protocol secure (https).
PayPal is a widely accepted form of payment on all online e-commerce websites and that's why you should sign up for a PayPal account if you don't have one already.
Website Security Properties (SSL Verification)
The design doesn't prove that a website is really safe. Extra security measures are employed by websites which handle customer transactions and deal with finances online. This adds an extra security layer to customer data; credit cards, PayPal account details, direct wire transfer and more other forms of data. How do you identify a secure web page; secure websites usually have an extra security feature, the protocol over which the website sends your information is what shows the security measures taken by the company in ensuring customer data is secure.
A domain looks like this https://www.example.com and another one looks like this http://www.example.com in this case you should determine that the first link is more secure than the second website. Always check the URL to identify if it has https (protocol) and a lock like simple just before the https. SSL certificates are what makes websites secure and safe. Some of the SSL certificates are offered by VeriSign, Thawte or Comodo and Symantec.
Type of Internet Connection You're Using
It is completely out of order to try out a transaction online while connecting to a public network connection that's Wi-Fi. Wi-Fi provides loop holes and crawlers can land on your information as it is sent over the web. Ensure you only use secure and trusted internet service provider at a specific location. You should do your best to ensure that you NEVER handle any transactions using public Wi-Fi networks.
Always Logout of your Accounts and Never save passwords
It is not so hard to get a password to that sensitive site. And it just takes a second for someone to transfer your few bucks to their account or misuse it because you left in logged in. Ensure you never save passwords to sensitive websites that have personal information that include your transactions details.
Keep Records of your online Transactions
Just like you receive bank statements of your account activity over a given period, ensure you keep track of your online transactions. This helps you monitor any unusual activity with your account and get total expenses and income. Through this, you can learn where you went wrong or how you lost your few bucks to some con men or online scammers.
Know the website you're to transact on
Before handling any transaction, you should be well informed and know the location of each detail about the company you're to transact with. A good company always has a privacy policy somewhere on the website. Ensure you go through it to understand how the company will handle your personal information once you've submitted your payment to them. A good website will have a robust privacy policy and it should not share your information with any third party, not even for a fee.
Use secure and advanced passwords
It is common for people to use same passwords on different systems in the fear of forgetting. This practice is not health when handling transactions online. Don't ever use your name as part of the password, ensure you get rid of guessable passwords and never share your passwords unless they're your next of kin (trustworthy) not just anyone, not even the company representatives.
On a finishing note, if you're that kind of individual who does bank transfers and other transactions online including paying for products, I recommend that you should consider using most secure payment systems such as PayPal. PayPal is a widely-accepted mode of payment which has been implemented on more than 90% of e-commerce websites. PayPal goes ahead to provide monthly reports where you can view your transaction history. One other upper hand with PayPal is that you can withdraw to your bank account and also add funds from your bank account.
Online transactions are a challenge but as this article puts it, perform the best secure practices that will make sure your online transactions are safe. Always be on the lookout for any kind of scammers, and gather enough information about a business before reaching the extent of trusting them with your funds.


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Creative solutions are not limited to an envelope. Design plays an active role in communicating the importance of your life events. My one-of-a-kind solutions will arrive in the mail, hang on your walls and help guide guests to the open bar or punch bowl. From labeling the passed hor d'oeuvres to announcing your baby's gender with a rhyme, my designs will enhance the experience of your event and leave no question that it was your vision and my talent working in tandem.
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Traveling Luck for Ridenhower Ranch, Texas, United States
Where is Ridenhower Ranch?What's around Ridenhower Ranch?
Wikipedia near Ridenhower Ranch
Where to stay near Ridenhower Ranch
The timezone in Ridenhower Ranch is America/Rankin_Inlet
Sunrise at 07:36 and Sunset at 18:04. It's Dark
Latitude. 30.2944°, Longitude. -100.0206° , Elevation. 699m
Weather near Ridenhower Ranch; Report from Junction, Kimble County Airport, TX 45.6km away
Weather :
Temperature: 2°C / 36°F
Wind: 10.4km/h South/Southeast
Cloud: Solid Overcast at 4900ft
Weather :
Temperature: 2°C / 36°F
Wind: 10.4km/h South/Southeast
Cloud: Solid Overcast at 4900ft
Satellite map around Ridenhower Ranch
Loading map of Ridenhower Ranch and it's surroudings
Geographic features & Photographs around Ridenhower Ranch, in Texas, United States
- Local Feature;
- A Nearby feature worthy of being marked on a map..
- Ridenhower Ranch (0km)
- Hill Ranch (4.4km)
- Jetton Ranch (5.2km)
- Rose Ranch (6.7km)
- Shay Ranch (7.9km)
- Gerhart Ranch (9.2km)
- Nethery Ranch (12.5km)
- Mansfield Ranch (12.5km)
- Cardwell Ranch (12.9km)
- Greer Ranch (13.7km)
- Shearing Barn Windmill (14.8km)
- Paint Creek Ranch (15.2km)
- Double Round Tank Windmill (15.6km)
- Felthouse Ranch (16.8km)
- Tobin Ranch (17.8km)
- Phillips Ranch (19.6km)
- Double Tank Windmill (19.7km)
- valley;
- an elongated depression usually traversed by a stream.
- Dry Draw (9.1km)
- Dry Hollow (10km)
- Knust Draw (10.1km)
- Pecan Hollow (10.3km)
- Edwards Draw (10.5km)
- Christmas Hollow (14.2km)
- Telegraph Canyon (15.9km)
- Fleming Draw (17.3km)
- Dragoo Hollow (17.8km)
- Guthrie Draw (18.8km)
- West Dragoo Hollow (19.7km)
- spring(s);
- a place where ground water flows naturally out of the ground.
- Paint Rock Spring (10.5km)
- Dripping Springs (10.9km)
- Tanner Springs (11.3km)
- Seven Hundred Springs (12.6km)
- Bowie Spring (12.8km)
- Christmas Canyon Spring (12.9km)
- McKee Spring (15.2km)
- Big Paint Springs (16.6km)
- Coleman Springs (18.5km)
- Boiling Springs (19.6km)
- stream;
- a body of running water moving to a lower level in a channel on land.
- Contrary Creek (10.5km)
- Bluff Creek (11.5km)
- Bradford Creek (12.4km)
- Bowie Creek (14km)
- West Prong Contrary Creek (14.9km)
- Paint Creek (14.9km)
- Deer Creek (15km)
- Salina Creek (15.3km)
- Little Paint Creek (17.1km)
- lake;
- a large inland body of standing water.
- Blue Hole on the Llano (10.4km)
- Little Green Lake (12.1km)
- Green Lake (13.1km)
Accommodation around Ridenhower Ranch
- cliff(s);
- a high, steep to perpendicular slope overlooking a waterbody or lower area.
- Schoolhouse Bluff (10.5km)
- Pecan Bluff (15km)
- populated place;
- a city, town, village, or other agglomeration of buildings where people live and work.
- Telegraph (15.3km)
- Wilson Place (17.9km)
- ridge(s);
- a long narrow elevation with steep sides, and a more or less continuous crest.
- Patterson Ridge (17.9km)
- well;
- a cylindrical hole, pit, or tunnel drilled or dug down to a depth from which water, oil, or gas can be pumped or brought to the surface.
- Eighteenmile Well (14.9km)
- airport;
- a place where aircraft regularly land and take off, with runways, navigational aids, and major facilities for the commercial handling of passengers and cargo.
- J R Ranch Airport (11.1km)
- gap;
- a low place in a ridge, not used for transportation.
- Mexican Gap (19.6km)
- cemetery;
- a burial place or ground.
- Paint Creek Cemetery (15km)
- dam;
- a barrier constructed across a stream to impound water.
- Paint Creek Ranch Lake Dam (15.4km)
- reservoir(s);
- an artificial pond or lake.
- Paint Creek Ranch Lake (15.4km)
Wikipedia entries close to
Ridenhower Ranch
- Junction, Texas city city o
- Rocksprings, Texas city city o
- Sonora, Texas city city o
- Lost Maples State Natural Area landmark park
- Leakey (Texas) city city n
- Stonehenge II monument
- Camp Wood, Texas city city o
- Menard, Texas city city o
- Harper, Texas city city o
- Texas
- Turtle Creek (Kerr County, Texas) landmark landmark
- Ingram, Texas city city o
- Garner State Park landmark park
- Eldorado, Texas city city o
- Riverside Nature Center landmark botanic gard
- Kerrville, Texas adm2nd adm2nd
Airports close to Ridenhower Ranch
San angelo rgnl mathis fld(SJT), San angelo, Usa (165.9km)
Laughlin afb(DLF), Del rio, Usa (168.3km)
Del rio international(DRT), Del rio, Usa (178.4km)
San antonio international(SAT), San antonio, Usa (227.8km)
Lackland afb kelly fld annex(SKF), San antonio, Usa (228km)
Airfields or small airports close to Ridenhower Ranch
Ciudad acuna international, Ciudad acuna, Brazil (187.6km)
Photos provided by Panoramio are under the copyright of their owners.


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Tori Spelling may be pregnant
"True Tori" is nothing if not dramatic, and judging from a new teaser for the second season's premiere, viewers are in for another wallop of emotional drama when the show returns to Lifetime on Oct. 21.
The clip, published by E! News, shows Tori Spelling and Dean McDermott grappling with life after McDermott's highly publicized adultery, as Spelling prepares herself for her husband to come home from Canada and deal with what she calls "our reality."
McDermott, meanwhile, tries to wrap his brain around how his wife could stay with him despite his cheating past.
The bombshell, however, comes at the end of the clip: "I may be pregnant," says Spelling, already a mother of four.
The Daily Mail points out that Spelling, 41, appeared disconcertingly gaunt on the set of the show in recent photographs.
Still, as recently as August, Spelling blogged about being in a better place. "I'm happy and proud to say that we are doing really well, and that Dean and I are working very hard to make our relationship and our family better than ever," she wrote at the time.
And in July, she told E! that she and her husband had "made it through" their struggles, suggesting the season may have a happy ending. Whether that ending involves baby No. 5 remains to be seen.
Dean McDermott: 'Love really does conquer all'
Vanessa Lachey's cute birthday party and more celebs with their kids


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Traveling Luck for New Life Church of the Nazarene, Florida, United States
Where is New Life Church of the Nazarene?What's around New Life Church of the Nazarene?
Wikipedia near New Life Church of the Nazarene
Where to stay near New Life Church of the Nazarene
The timezone in New Life Church of the Nazarene is America/Iqaluit
Sunrise at 08:18 and Sunset at 18:57. It's Dark
Latitude. 28.5375°, Longitude. -81.4764° , Elevation. 30m
Weather near New Life Church of the Nazarene; Report from Orlando, Orlando Executive Airport, FL 18.9km away
Weather : mist
Temperature: 13°C / 55°F
Wind: 3.5km/h East
Cloud: Broken at 900ft
Weather : mist
Temperature: 13°C / 55°F
Wind: 3.5km/h East
Cloud: Broken at 900ft
Satellite map around New Life Church of the Nazarene
Loading map of New Life Church of the Nazarene and it's surroudings
Geographic features & Photographs around New Life Church of the Nazarene, in Florida, United States
- Local Feature;
- A Nearby feature worthy of being marked on a map..
- New Life Church of the Nazarene (0km)
- Plaza of the Oaks (0.7km)
- University Square (1.6km)
- Church of God of Prophecy (1.7km)
- Silver Pines Village Shopping Center (2.2km)
- Parkwood Plaza (2.4km)
- Hiawassa Bible Chapel (2.5km)
- Westgate Square Shopping Center (2.5km)
- Orlando Plaza (2.6km)
- Church of God of Prophecy (2.7km)
- Faith Creation Fellowship (2.9km)
- Lake Barton Shopping Center (3.1km)
- The Pines Shopping Center (3.2km)
- Factory Outlet Mall - Orlando (3.4km)
- First United Methodist Church of Pine Hills (3.8km)
- Pine Hills Center (4km)
- Central Florida District Church of the Nazarene (4.1km)
- Lake Ellenor Village Shopping Center (4.4km)
- Apostolic Overcoming Holy Church of God (4.6km)
- church;
- a building for public Christian worship.
- Little Country Church (1km)
- Holy Family Episcopal Church (1km)
- Powers Drive Baptist Church (1.7km)
- Kirkman Road United Methodist Church (2km)
- Vietnamese Seventh Day Adventist Church (2.3km)
- Saint Andrews Church (3.4km)
- Saint Andrews Catholic Church (3.4km)
- Laurel Hill Baptist Church (3.5km)
- Saint Pauls Presbyterian Church (4km)
- Pine Hills Seventh Day Adventist Church (4km)
- New Saint Mark Free Methodist Church (4.2km)
- Lake Sherwood Presbyterian Church (4.3km)
- school;
- building(s) where instruction in one or more branches of knowledge takes place.
- Oak Hill Elementary School (0.5km)
- Trinity Lutheran Elementary School (2.1km)
- Orlovista Elementary School (2.4km)
- Valencia Community College - West Campus (2.9km)
- Robinwood Junior High School (3.5km)
- Pine Hills Elementary School (4.2km)
- Zion Lutheran Church and School (4.2km)
- Pine Castle Christian Academy (4.3km)
- La Petite Child Care Center (4.4km)
- Pine Hills Christian Academy (4.4km)
- Hiawassee Elementary School (4.5km)
- Pal Academy (5km)
- lake;
- a large inland body of standing water.
- Geyer Lake (1.1km)
- Hiawasee, Lake (1.6km)
- Herrick, Lake (1.9km)
- Cathy, Lake (2.6km)
- Pamela, Lake (3.1km)
- Steer, Lake (3.4km)
- Sherwood, Lake (3.5km)
- Rose, Lake (3.8km)
- Hugh, Lake (5km)
- swamp;
- a wetland dominated by tree vegetation.
- Poppy Park (3.6km)
- Fran Urban Wetlands, Lake (4.2km)
Accommodation around New Life Church of the Nazarene
- populated place;
- a city, town, village, or other agglomeration of buildings where people live and work.
- Orlovista (2.1km)
- Pine Hills (4.2km)
- park;
- an area, often of forested land, maintained as a place of beauty, or for recreation.
- Turkey Lake Park (3.7km)
- Malibu Groves Rattlesnake Park (4.7km)
- cemetery;
- a burial place or ground.
- Woodlawn Memorial Park (1.8km)
- Woodlawn Memorial Park Cemetery (4.6km)
- tower;
- a high conspicuous structure, typically much higher than its diameter.
- WOMX-AM (Orlando) (3.7km)
Wikipedia entries close to
New Life Church of the Nazarene
- Orlo Vista, Florida city city o
- Gotha, Florida city city o
- Pine Hills, Florida city city o
- JAWS (ride) landmark landmark
- Ocoee, Florida city o
- Lake Butler, Orange County, Florida city city o
- Citrus Bowl landmark sport
- Windermere, Florida city city o
- Bay Hill city city k
- Oak Ridge, Florida city city o
- Amway Arena landmark sport
- Doctor Phillips, Florida city city o
- Lynx (transportation) landmark traffic
- Orlando (Amtrak station) landmark landmark
- Tangelo Park, Florida city city o
- Holden Heights, Florida city city o
Airports close to New Life Church of the Nazarene
Executive(ORL), Orlando, Usa (18.9km)
Orlando international(MCO), Orlando, Usa (26.6km)
Patrick afb(COF), Coco beach, Usa (122.9km)
Melbourne international(MLB), Melbourne, Usa (127.6km)
Tampa international(TPA), Tampa, Usa (163.1km)


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How to Be Frugal in the Year 2025
Exciting news! WordPress just came out with a new feature: Time Writing©®™.
That's right, this is Mr. NYBudget and I am posting this from the year 2025! I wanted to check in and see how everyone is doing back in 2015. I also wanted to give you a glimpse into the future.
What will the year 2025 be like? How will my personal finance strategy change?
Good news, I have all the answers!
Don't worry, New York City is alive and thriving. It hasn't been flooded, dug up by aliens, or attacked by Godzilla. It's still a great city and, amazingly, it's population has grown even more!
I am now in my 40s, but I don't feel like it. I still have the maturity of a 17 year old, which is frightening because I now have two children! They are 5 and 3. I have started saving for higher education for both of them.
Many of my friends roll their eyes at me for this. Higher education isn't what it used to be. Online education has really taken off and kids are getting all of the education they need MUCH cheaper.
Sure, you have multiple expenses now. You have to pay for the courses to be taught by video and online tests to be administered. In addition, college students usually hire an accountability coach that works with them once per week to make sure they maintain motivation and are actually learning. However, all those costs add up to be much cheaper than traditional college.
I am still a little old-fashioned though and see the social benefit of college. Some of the private schools have become unattainably expensive, raising their prices based on their strong brands, but my kids will be just fine in state school. Maybe by 2038, my views will change and I will hop on the online-only education bandwagon.
Early Adulthood Dependence
Last year, I started another fund for each child, though. It's what we have been calling a 20s fund. Jobs have gotten scarce and kids in their 20s have an even more difficult time finding work. There are two main factors that have contributed to this:
- People are living longer (yay!) due to continued medical advances. But with more high-quality years of life comes more working years as well. People are feeling good well into their 80s and often want to keep working. Some people thought that old people would get laid off in favor of young people who were better at new technologies. However, with technology always getting easier, old people have a much quicker time mastering new tech. In the 90s, owning a computer required a base level of debugging and repair knowledge. In 2025, everything is MUCH more intuitive. As a result, companies would rather hire experienced workers rather than young adults who are just entering the workforce.
- Robots and technology have taken over many jobs. Driverless vehicles really hit the nation hard. A lot of jobs were lost, so the entire job pool is shrinking. This worries folks, so older people are holding on to jobs even LONGER when they can.
So, as much as I want to throw my kids into the deep end of the economy and allow them to learn self-sufficiency through figuring out how to make money, there just aren't enough jobs out there. I need to give them a boost.
The Stock Market
It's not all doom and gloom, though. Technology has made companies even more efficient and raised profits, so the stock market has been doing very nicely! Sure, there have been some downturns, as you might expect, but the overall trajectory has been great!
This may seem a bit counterintuitive. If jobs are going away, then shouldn't companies have fewer customers with the ability to pay? Companies have been able to slash costs SO much, that you can get a whole lot more for less these days! So even though people have less income, they don't need as much.
The Sharing Economy
And people are still making money, even without traditional jobs. Back in 2015, the sharing economy was just getting revved up. Now, in 2025, it is in full gear! The concept of "slack resources" is understood, even by children! When you own something, like a driverless car, you usually don't use it 100% of the time. During the times you aren't using it, you can rent it out to other people. In the case of the driverless car, it's really simple. You get a notification in your smart glasses that someone wants to rent your car. You agree to the price they are offering and your car goes and picks them up without you lifting a finger!
Back in 2015, personal finance blogs would warn you that your personal home was NOT an asset because it didn't produce cash flow. Nowadays, it does. Airbnb has grown like wildfire. Some of the concerns of 2015, including regulations on cleanliness, fear of theft, and lack of the amenities that come with a classic hotel room have been wiped out. You just grant Airbnb's new rental software access to your smarthome, and it takes care of home security (granting the appropriate access to your guests), self-cleaning, and service for your guests. There really is no reason NOT to rent out your house when you are away.
The Entertainment Industry
So there are fewer jobs, but people are making more money with their assets. This means even more free time! That's great news. It also means that there is one industry that has seen massive growth in terms of jobs: entertainment. With all this free time, more and more people are turning to online video content – watching people play video games, perform silly stunts, go about their everyday lives (performing actions dictated by the people watching their live streams). It's not a job I would want, but this wide array of Internet celebrities are doing quite well for themselves, monetizing their content.
How to Be Frugal in 2025
Overall, the future is bright. People have more time and less money, but goods are less expensive, so it evens out. It's important to stay frugal, though, because your kids and grandkids will probably need more financial help than in the past. Here's how to continue being frugal in 2025:
- Goods are cheaper, so saving on physical items is easier. Too many people have fallen into the trap of over-consumption BECAUSE goods are cheaper, though. You have to realize that even though costs are falling, your purchasing power is staying the same.
- Own less – it may be tempting to acquire a ton of "stuff" and rent it out via the sharing economy. In the end, the math simply doesn't work out for most items. Pick one or two big items to own where the market is favorable in your area and for everything else, use the sharing economy to be a consumer and rent it!
- Be conscious about educational spending. I really need to take my own advice here, but online courses really are a great option for your kids. Just make sure they gain social skills as well through local kid events on Meetup.com
- The "Big 4" expenses of 2015: housing, food, clothing, and transportation are no longer an issue. Cooking your own food isn't much cheaper than having your smart kitchen cook it for you. Driverless cars enable you to get anywhere inexpensively and fast. Most people 3D print their clothes for minimal cost. Housing is still a big expense, so focus on that. How much housing you rent or buy should depend on your Airbnb strategy.
- Entertainment is all around you. There are so many premium experience opportunities that cost a fortune these days (from virtual worlds, to trips to outer space). But remember, there is SO much to do that is cheap and free. Go hiking, read, explore your physical surroundings (as opposed to your virtual reality surroundings). Look back to 2015 for great ideas on how to entertain yourself.
When it comes down to it, the strategy in 2025 is the same as 2015: live simply and appreciate the amazing life and opportunities you have. Focus on relationships and you will lead a rich life while saving a boatload of money.
Best of luck all you 2015-ers on your journey over the next 10 years!
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text:
The November 10th deal that sent Mario Chalmers to the Grizzlies came remarkably early in the NBA season, and its effects lingered for a remarkably short period of time. All four players involved in the swap are no longer with their respective teams, now that Memphis has waived Chalmers to create roster room after he tore his Achilles tendon. In fact, none of those four are on any NBA roster, as all of them have cleared waivers at one point or another since the trade.
They're among the 12 players acquired via trade this season who are no longer with the teams that traded for them. Some worked buyout deals with their new clubs. Others wound up in subsequent trades, including Jarnell Stokes, who was in that Chalmers deal and in another swap on deadline day. Only 29 players were traded in the time between opening night and the deadline, not counting the rights to draft-and-stash prospects. That means 41.4% of this season's trade acquisitions didn't even last to the middle of March.
Here's a look at all the in-season trade acquisitions who are no longer with the teams that traded for them:
- DeJuan Blair, Suns — waived
- Mario Chalmers, Grizzlies — waived
- Jared Cunningham, Magic — waived
- James Ennis, Grizzlies — waived
- Joe Harris, Magic — waived
- Kris Humphries, Suns — waived in buyout deal
- Steve Novak, Nuggets — waived in buyout deal
- Brian Roberts, Heat — traded again, to Trail Blazers
- Jarnell Stokes, Heat — traded again, to Pelicans
- Jarnell Stokes, Pelicans — waived
- Beno Udrih, Heat — waived in buyout deal
- Anderson Varejao, Trail Blazers — waived


text:
August 4—St. Dominic
ST. DOMINIC was born in Spain, in 1170. As a student, he sold his books to feed the poor in a famine, and offered himself in ransom for a slave. At the age of twenty-five he became superior of the Canons Regular of Osma, and accompanied his Bishop to France. There his heart was well-nigh broken by the ravages of the Albigenian heresy, and his life was henceforth devoted to the conversion of heretics and the defence of the Faith. For this end he established his threefold religious Order. The convent for nuns was founded first, to rescue young girls from heresy and crime. Then a company of apostolic men gathered around him, and became the Order of Friar Preachers. Lastly came the Tertiaries, persons of both sexes living in the world. God blessed the new Order, and France, Italy, Spain, and England welcomed the Preaching Friars. Our Lady took them under her special protection, and whispered to St. Dominic as he preached. It was in 1208, while St. Dominic knelt in the little chapel of Notre Dame de la Prouille, and implored the great Mother of God to save the Church, that Our Lady appeared to him, gave him the Rosary, and bade him go forth and preach. Beads in hand, he revived the courage of the Catholic troops, led them to victory against overwhelming numbers, and finally crushed the heresy. His nights were spent in prayer; and, though pure as a virgin, thrice before morning broke he scourged himself to blood. His words rescued countless souls, and three times raised the dead to life. At length, on August 6, 1221, at the age of fifty-one, he gave up his soul to God.
Reflection.—"God has never," said St. Dominic, "refused me what I have asked;" and he has left us the Rosary, that we may learn, with Mary's help, to pray easily and simply in the same holy trust.
Taken from the "Pictorial Lives of the Saints: with Reflections for Every Day in the Year"
Download a free copy of The Holy Rosary Booklet here http://gardenofmary.com/free-download-the-holy-rosary-booklet/
The Holy Rosary Owes It's Origin to St. Dominic
The Rosary is a very treasury of graces. Many sinners owe their conversion to it. It possesses marvelous power to banish sin and restore the transgressor to a state of grace. By it the just grow in virtue. All the saints who have lived subsequently to the institution of the Rosary have been assiduous in its use, and this may have contributed largely to their sanctification. Several holy bishops and servants of God are known to have pledged themselves by vow to recite it daily; St. Charles Borromeo, despite the numerous and pressing duties of his position, recited it every day with the seminarists and the members of his household. Blessed Clement Hofbauer was accustomed to say the Rosary while passing through the streets of Vienna, and rarely did he recite it in vain for the conversion of a sinner. It is recorded of several distinguished officers and victorious commanders that they never engaged in battle without first saying the Rosary, and to this they attributed their military successes. The Rosary has been called "the thermometer of Christianity," for the reason that where it is diligently recited faith is ardent, and good works are manifest; and where it is neglected religion is at a low ebb. In seasons of general calamity, miraculous aid has been granted to Christendom by means of the Rosary; this was especially the case in wars with the Turks, the victory of Lepanto (1571), the deliverance of Vienna (1683), the victory of Belgrade were all owing to the power of the Rosary. It was said that the beads of the chaplet did more execution than the bullets of the soldiers. It was in thanksgiving for these victories that the Holy See instituted the feast of the Holy Rosary on the first Sunday in October. Pope Sixtus IV declared that many dangers which threatened the world are averted, and the wrath of God is appeased by the prayers of the Rosary. Our Holy Father Leo XIII says that, as in St. Dominic's time the Rosary proved a sure remedy for the evils of the age, so it may now effect much towards the amelioration of the ills that afflict society.
Every one who recites the Rosary must feel its supernatural power; there is no prayer which affords more consolation in affliction, more tranquility to the troubled breast. It soothes in sorrow, it imparts the peace spoken of in the Gospel. Another proof of its excellence is the hatred and contempt wherewith unbelievers regard it. The devil incites them to decry what is a fruitful source of grace to the Christian, and by which souls are wrested from his grasp. The Rosary has been richly indulgenced by the Holy See, and the recital of it strongly urged upon the faithful. An indulgence of five years and five quarantines may be gained if five consecutive decades be said, on a properly indulgenced rosary. Our Holy Father Leo XIII. has decreed that every day during the month of October, the Rosary, together with the litany of Loretto, be said in church either during the parish Mass, or in the afternoon, with the Blessed Sacrament exposed. For every time of assisting at this devotion seven years and seven quarantines are granted. 'Pope Pius IX. bequeathed, as a legacy to the faithful, this admonition: "Let the Rosary, this simple, beautiful method of prayer, enriched with many indulgences, be habitually recited of an evening in every household. These are my last words to you; the memorial I leave behind me." Again he said: "In the whole of the Vatican there is no greater treasure than the Rosary."


text:
Just a heads up for anyone interested in the one that Demi Moore has.
wow thats special....so is the entire bag clear? thanks for the info.
^ Special is a word to describe it. Talk about asking for it, a celeb hiding her face for privacy with a see through bag.
Demi says: Look at me. No stop. OK, look at me again.
Love Demi, no love for the bag.
The bag is made of a tinted translucent vinyl with leather trim, so it is somewhat 'see through'. I'm not a fan of it because it doesn't slouch like regular leather downtowns.


text:
Product or Service
hot sale refractory ceramic proppant for oil drilling 30/50 mesh
Profile:Manufacturer - Producer|Ref:PSL203672YH | Country: China | Currency: usd | Export: No
hot sale ceramic proppant
A new ceramic proppant is made from bauxite, in which shanxi is abundant, added with some special auxiliary materials, and processed by melting, special sphere forming, and heating, etc. With its good performance, the prepared proppant is adopted for fracturing in mid and deep oil wells.
Widely used ceramic proppant for a broad range of applications; Fracture conductivity to moderate depths, ideal for oil reserves; Moderately permeable wells with closure stresses to 14,000 psi; Conductivity in deep and hostile downhole environments.
The series of ceramic proppant are necessary for oil and gas field exploitation by hydrofracturing method.
50 Ton/Tons
Contact the company


text:
Fiona A.
Melbourne, Australia, 3000
Joined on January, 2014
Gender: Female
Average Rating:
Weekdays in the afternoon
Weekends at any time
Weekends at any time
Lives Near:
Can Meet:
Up to 30 minutes away for no additional charge
EducationMaster of Information Technology in Education - The University of Melbourne
Certificate IV in Assessment and Workplace Training - Box Hill Institute
Graduate Diploma in Education - The University of Melbourne
Graduate Diploma of Applied Science - Information Technology - Charles Sturt University
Australian Insurance Institute Fellowship - Deakin University
Bachelor of Commerce - The University of Melbourne
ExperienceMy career has included both public and private organisations working in the areas of education, financial reporting, workers compensation, public liability claims and banking.
My roles as an educator have primarily been in secondary schools in Melbourne but also include tutoring first year accounting students at the University of Melbourne and teaching for one term in a British comprehensive school. I also work privately as a consultant showing people how to maintain their financial records and training them in the use of software that includes MYOB, Quickbooks and MS Excel.
I am a current VIT registered teacher with an up to date working with children/criminal records check.
I have experience teaching VCE to a wide range of students including international students with limited English language skills.
I am adept at determining the areas of a course a student needs to gain a deeper understanding of and at developing the skills students need to perform at their best in an exam.
I have a wide range to teaching techniques that are adopted according to the particular learning preferences/needs of a student.
I offer a 10% discount for 5 or more sessions paid for in advance and if two or more students attend the one tutorial session (note, the more students in a group, the less like a tutorial the session becomes).
HobbiesReading mystery/crime novels, travelling and going to gym.
Preferred Subjects
Inquire about this tutor
The tutor will respond if they are available/interested.


text: The GBP/USD pair saw a sharp recovery from the daily lows after BOE's Carney, at the press conference, said all BOE members see rate hike as the next likely move. Markets surprised by slightly less dovish BOE The shift in vote split to 9-0, downward revision of the inflation and GDP forecasts was pretty much as expected. Carney also repeated that his view - now is not the time to raise rates – which has been priced-in by the markets. However, markets were caught off guard by his comments that all members see rate hike as the next move. This single handedly made Carney and BOE appear slightly less dovish, leading to a recovery in the pair from 1.4529 to 1.5625 levels. GBP/USD Technical Levels The immediate resistance is seen at 1.4649 (previous day's high), which if taken out shall open doors for a rally to 1.4712 (50-DMA). On the other hand, a break below 1.46 would open doors for a slide to the support zone of 1.4519-1.4515 (38.2% of 1.5230-1.4079 + 23.6% of 1.4079-1.4649). For more information, read our latest forex news.


text:
Roberto Giraldo1, M.D.Contents
2. HIV cannot be the cause of AIDS
3. The real causes of AIDS
4. A proposal for the definition of AIDS
5. The tests for HIV cannot diagnose HIV infection
6. Why errors about the causes of AIDS were committed
7. Some effective alternatives for the prevention and treatment of AIDS
8. Conclusions
9. References
(1) Introduction
Since the beginning of the AIDS epidemic there have been international scientific disagreements about its causes and solutions. However, many remain unaware of this debate due to a forceful censorship concerted by the Department of Health and Human Services of the Government of the United States, the World Health Organization (WHO), and the United Nations (UN) agency for AIDS (UNAIDS), a censorship that targets all of us who do not defend the official views on AIDS. Our group is composed of more than 3,000 scientists and researchers from more than 75 countries, including Emeritus Professors from many universities and several Nobel Prize Laureates. Further information concerning these so-called AIDS Dissidents is available at www.rethinkingaids.com.
During the 16th HIV/AIDS World Conference in Toronto, Canada, August 13-18, 2006, the WHO and UNAIDS both agencies of the UN informed attendees that the number of AIDS cases continued to expand everywhere, but mostly in underdeveloped countries. According to their report, in 25 years of the pandemic, there have been 65 million seropositives and 25 million deaths from AIDS (1,2).
Despite the fact that the population of Sub-Saharan Africa comprises only 10% of the world population, currently 60% (25 millions) of all world AIDS cases occur there. In Africa, 12.3 million children have lost one or two parents to AIDS. Contrary to what occurs in the wealthy nations, in Africa more than 60% of cases are in women and, due to this fact, it is arbitrarily stated that AIDS in Africa is heterosexually transmitted (1,2). The poorest countries of Africa such as Zimbabwe, Namibia, Uganda, and Mozambique have a prevalence between 20 and 35%, the highest in the world.
In India, the AIDS epidemic is also growing and it is also contended that 80% of the cases of HIV/AIDS are due to heterosexual transmission (1,2).
On the American continent, the countries with the highest prevalence of what is known as HIV/AIDS are precisely the poorest in the region: Haiti (3.8%), Bahamas (3.3%), Trinidad and Tobago (2.6%), Belize (2.5%), Guyana (2.4%), Surinam (1.9%), Honduras, Barbados and Jamaica (1.5%). Similarly, in these countries, UNAIDS and WHO state that most cases are due to heterosexual transmission simply because in these countries most cases are also in women. In the United States 69% of the cases occur in blacks and Hispanics (1,2) and due to the high frequency in women they speak of an increment in heterosexual transmission in these communities.
Brazil, with a population of 190 million inhabitants, has a prevalence of 0.5%. In large Brazilian cities most cases are in men but in its poorest areas most cases are in women (1,2). Colombia, Mexico, Venezuela, and Spain have a prevalence of 0.7%.
The question then should be: What is the explanation for the highest prevalence of AIDS occurring in poor African and Caribbean countries and why are most cases there in women? Could the explanation be just sexual promiscuity, as white American and European researchers claim? Or is it simply a consequence of the social conditions of life prevailing in these countries? The reported prevalence could also indicate that the real cause of AIDS is not a sexually transmitted virus. How could a virus decide to attack only prosperous men in North America and Europe and attack only poor women in the underdeveloped regions?
Another question would be: What is the explanation for Colombia, Mexico, Venezuela, Spain and Brazil having a very low prevalence of AIDS? Perhaps it could be the happiness of their inhabitants ?
Scientific evidence indicates that, contrary to what is officially proposed by the United States Department of Health and Human Services, as well as by UNAIDS and WHO, there is in fact no transmission of AIDS from one person to another, either by blood or by sexual intercourse, or from mother to child. The differing frequency of AIDS in men and women according to their socio-economic status is another indication that HIV is not the cause of AIDS and that the real causes of AIDS are linked to social conditions and life style.
Furthermore, after 25 years and billions of dollars spent on research, treatment, prevention and control, the official policies have proven to be a complete failure. Proponents of HIV as the cause of AIDS have failed to cure a single patient and the antiretroviral treatments that are used are highly toxic and in fact generate AIDS by themselves when given prophylactically to seropositive individuals. If that were not enough, HIV investigators continue to report that there is no hope for a vaccine in the short or medium term. Officially they still insist on the equation: HIV = AIDS = DEATH.
The WHO and UNAIDS blame their failure on the governments of the underdeveloped countries, as they did at the closing of the last HIV/AIDS World Conference in Toronto (August 2006), when they infamously blamed the government of President Thabo Mbeki of South Africa for being responsible for the AIDS epidemic in that country, simply because his government called for a scientific debate on the causes and solutions of AIDS in year 2000.
However, the correct explanation for the official failure is that all current policies for the treatment, prevention and control of AIDS are based on the false premise "that HIV is the cause of this syndrome."
(2) HIV cannot be the cause of AIDS
Starting in March 1987, numerous scientific publications have provided facts showing that what is known as human immunodeficiency virus, HIV, does not meet the epidemiological, the biological, or even the common sense requirements to be the cause of the Acquired Immune Deficiency Syndrome, AIDS (3-24).
HIV is neither necessary, nor sufficient, nor does it always precede the development of the syndrome (5,6,14,22). This is demonstrated by the thousands of cases of AIDS that are HIV-negative (25-28), as well as by the multitude of healthy people who never develops AIDS despite being HIV-positive (29-31). In addition, there are many individuals who first develop immunodeficiency, and only after that, become HIV-positive (32-35), which indicates that the phenomenon known as HIV, rather than being the cause of AIDS, is itself an effect or consequence of the syndromes pathogenesis.
If HIV were a real virus, it would be a retrovirus, which are well known to be non-pathogenic viruses (4). Therefore, these retroviruses could explain neither the immunological abnormalities, nor the pathogenesis, nor the clinical manifestations, nor the natural history of AIDS (4-13,17,18). On the other hand, there is a large quantity of scientific documents objectively indicating that what we know as HIV is not even a genuine virus. HIV has never been isolated or purified as a free, independent viral particle (virion) (36-41), as is routinely done with genuine viruses.
Since it has never been demonstrated that the phenomenon known as HIV either destroys the immune system or causes AIDS, researchers who enthusiastically advocate HIV as the cause of the syndrome offer a wide range of agents as cofactors, or HIV-helpers, in the genesis of AIDS (42,43). However, these cofactors are by themselves immunosuppressive and the repeated, multiple and chronic exposure to a variety of them generates AIDS, either in the presence or absence of a positive or reactive HIV-test. This is why I prefer calling these cofactors immunological stressor agents (16-22).
Following are some of the immunosuppressive agents that have been reported as cofactors of HIV (immunological stressor agents): alcohol, cocaine, heroin, marijuana, cigarette smoking, amphetamines, volatile nitrites (the so-called poppers), chemical contaminants in the environment, allergens, cytomegalovirus, herpes virus types 1, 2 and 6, shingles, Epstein Barr virus, adenovirus, other retroviruses, hepatitis viruses A, B, and C, papovavirus, mycoplasma and other superantigens, tuberculosis, leprosy, malaria, trypanosomiasis, filariasis, genuine sexually transmitted diseases, semen, factor VIII, fear, anxiety, depression, panic, insomnia, lack of sleep, extreme exercise, poor sanitation, poverty, malnutrition, and vitamin and antioxidant deficiencies (44-61).
Additionally, careful study of the scientific literature strongly suggests that AIDS is neither an infectious disease nor is it sexually transmitted (2-24). The vertical transmission of AIDS from mother to baby during pregnancy and childbirth or through breast milk are merely myths, assumptions made without any objective evidence (62-64). Nor is the transmission of AIDS through blood allegedly infected with HIV true (9,15). Even researchers who advocate HIV as the cause of AIDS are currently providing very convincing arguments challenging the myth of the transmission of AIDS (65-69).
On the other hand, "HIV negative" individuals who have normal blood levels of nutrients and antioxidants do not convert into "HIV positive" or "sero-positive" (70-72). In addition, "HIV-positive" individuals who have normal blood levels of nutrients and antioxidants never develop AIDS (73-85). Even the death of those who develop AIDS depends much more on their nutritional and antioxidant deficiencies than on any other factor (85-92). It has also been shown that expectant "HIV-positive" mothers who have normal blood levels of nutrients and antioxidants during pregnancy give birth to "HIV-negative" babies (93-99). Therefore, in order for seroconversion converting from HIV-negative to HIV-positive to occur, it is a pre-requisite to have decreased blood levels of antioxidants and nutrients. This is what is officially and erroneously known as "HIV/AIDS transmission." Similar conditions are required for "seropositive" individuals to progress or develop the clinical manifestations of AIDS, or develop the possibility of dying from this syndrome. This clearly indicates that the decrease in blood levels of nutrients and antioxidant plays a major role in the pathogenesis of AIDS and in the course and prognosis of the disease.
(3) The real causes of AIDS
The genuinely new circumstances surrounding all groups of people who most often develop AIDS are their exaggerated exposure, in recent decades, to a variety of immunological stressor agents that may have a mental, chemical, physical, biological and nutritional origin, (16-22).
For example, the novel circumstance that affected some sections of the gay communities in industrialized countries was the use of psychoactive drugs and aphrodisiacs that started in the 1970s (7,11-13,100,101). In these developed countries, children who are born with AIDS are born to mothers exposed during pregnancy to psychoactive drugs and other stressor agents (12,13,102,103). By contrast, in Africa, Asia and the Caribbean the new circumstances are the unacceptable levels of poverty to which their inhabitants have been subjected for many decades. Never before has there been so much poverty so widespread among so many while so much wealth is so concentrated in the hands of so few (104-107). In these underdeveloped countries poverty and all its consequences, such as malnutrition, lack of clean water, poor sewage and garbage disposal, infections and parasites, and the lack of hope for a better tomorrow, are major risk factors for AIDS (19-24).
Immunological stressor agents vary, therefore, from person to person, from risk group to risk group, from country to country, and from continent to continent.
On the other hand, it is important to keep in mind that scientific evidence clearly indicates that all adult degenerative diseases are highly dependent on the psychological and organic health status of the mother during pregnancy (108-117). Similarly, nutritional deficiencies during pregnancy may result in immunodeficiency, which can accompany a person throughout life (118-122). In experimental animals immunodeficiency in the newborn animal results as a consequence of the mothers malnutrition during pregnancy, and these immunological deficiencies are transmitted through three generations, even when the intermediate generations were well fed (123).
In poor countries, therefore, poverty is not a static fact. Scientific findings indicate that the consequences of poverty have been transmitted from generation to generation in a cumulative manner.
The fact that AIDS exists in both poor and rich countries is a clear indication that our species is in danger. The human body cannot tolerate more exploitation, more toxins, more poverty, more malnutrition, nor can it tolerate more of any other kinds of abuse!
Coincidentally, AIDS appeared in different and distant groups of people in the second half of the twentieth century, at a time when the immune systems of humans was already saturated and had seriously deteriorated due to multiple, repeated and chronic exposures to immunological stressor agents (16,23). Exposures can be involuntary, through the living conditions that people are subjected to, and sometimes voluntary, through lifestyle choices.
In recent decades, these stressor agents have been steadily increasing, both in quantity and variety, across the globe (16,23,124,125). The capabilities of the immune system are neither infallible nor infinite. They have limits. AIDS is the worst state of deterioration that the immune system of people can reach. In AIDS not only the immune system but all other body systems are severely damaged. AIDS therefore inaugurates a new epoch in the history of human diseases (126). The increase in immunological stressor agents in the human ecosystem is seriously endangering the preservation of our species (16,23,126). This new human syndrome is one of the terrible consequences of the destruction that we are causing the earth, due to our own psychopathology (127). AIDS is an alarm bell! What is worse is that the mistaken belief in HIV blinds us from seeing this grave human situation.
Abundant objective facts indicate that a variety of stressor agents for the immune system, of mental, chemical, physical, biological, and nutritional origin, are the true etiologic agents or causes of AIDS (16-19,126). The immunological stressor agents act both by themselves and by stimulating the production of free radicals special oxidizing agents which cause damage to the immune-competent cells and functions as well as to other physiological systems (17,18,126). From a biochemical viewpoint, AIDS is a disease of excessive oxidative stress (14,17,18,128-134). This is the reason why antioxidant agents have a crucial role in the treatment and prevention of AIDS (136-139).
Working closely with seropositive individuals from Africa, Asia, Europe, North America and Lain America brought me to the conclusion that to become seropositive, besides being exposed generally for long periods of time to a variety of external immunological stressor agents, the person also has to have a specific type of personality, a conclusion which is in agreement with the psychosomatic origin of all diseases, elegantly proposed by Norberto Keppe and his group of scientists in São Paulo, Brazil. Specific psychopathology is always needed for the developing of any human illness, from a simple common cold to cancer and AIDS (140, 141). This applies to both organic and mental illnesses. Social pathologies are also the results of the psychopatology of people, especially those with power (142).
Seropositive individual generally are very unsatisfied with their lives; they are depressive, often paranoid and choose a self-destructive style of life. This is a common denominator in most individuals comprising the groups of people that most often develop seropositivity and AIDS.
4) A proposal for the definition for AIDS
To avoid further confusing people with the idea that HIV and AIDS are the same thing, and because what is known as HIV is not the cause of AIDS and, further, since it has never been shown that HIV is a genuine virus, the word HIV must be removed from the definition of AIDS.
Whenever people hear or read our arguments demonstrating that HIV does not exist, they think that AIDS does not exist either, because they have been made to believe that HIV equals AIDS and vice versa. The world has been disoriented by the international institutions responsible for public health which preach the equation HIV=AIDS=DEATH, an equation that has programmed and continues programming the minds of people toward death.
Of course AIDS exists! But it is not caused by a virus called HIV, if only because the very existence of the virus has never been proven on an empirical level.
AIDS must be understood as the most severe of all acquired immunodeficiencies, thus being a toxic and nutritional syndrome caused by multiple, repeated and chronic exposures to immunological stressor agents whose distribution varies within the groups of people that most often develop the syndrome (17,18,126). The immunological stressor agents exercise immunotoxic or immunogenic effects, or both, which generate a state of oxidative stress in the immunocompetent cells and the metabolic reactions of the immune system and other bodily systems (126). The progressive and chronic deterioration of the network of the immune system, leads the individual to a severe deficit of the immunological functions of defense, homeostasis, and surveillance, with the subsequent and simultaneous occurrence of infections, neoplasms and metabolic disorders. The collapse of the immune system eventually causes the death of the individual (126) (Figure 1).
Before the appearance of AIDS in the early eighties of the twentieth century, there were other immunodeficiencies but never with the intensity and severity of AIDS. Before 1981, people with acquired immunodeficiencies showed clinical signs of deterioration of one or two of the fundamental functions of the immune system, which are: protection against harmful agents, preventing the growth of tumors and homeostatic balance of all organs and bodily systems. However, with AIDS, for the first time there occurred the simultaneous clinical manifestations of deficiency in all three main functions of the immune system, and for this reason AIDS is clinically manifested through opportunistic infections, opportunistic tumors and opportunistic metabolic diseases. Opportunistic because they only appear after there is a state of very severe immunodeficiency.
(5) The tests for HIV cannot diagnose HIV infection
The so-called HIV tests ELISA, Western blot, Viral Load are neither sensitive nor specific for detecting past or recent infection with HIV (36-39,41,143-146).
As long as there is no scientific proof of the isolation and purification of HIV as a free independent virus, and while doubts continue about its very existence as a genuine virus, it is impossible to ensure that a positive result on these tests indicate HIV infection (37,39,41).
Neither Luc Montagnier at the Pasteur Institute in Paris, nor Robert Gallo at the National Cancer Institute in the United States, nor Jay Levy at the University of California isolated HIV, as they contended in Science (41,147-149). These researchers simply observed in cultures of cells - stimulated with mutagens and other oxidizing agents taken from people with AIDS or at risk of developing it some proteins, various enzymes, and fragments of nucleic acids, but they never isolated free and independent viral particles, due to the fact that they did not follow the internationally accepted steps for the isolation of retroviruses (150,151).
The internationally accepted methodology for the isolation and purification of retroviruses (150,151), a methodology that the above researchers did not follow, includes the following steps: a) Concentration of the viral particles by centrifugation; b) Electron microscopy monitoring of the concentrated viral particles; c) Biochemical and genetic analysis of the purified viral particles; d) Controlling the experiments to avoid misinterpreting endogenous retroviruses as exogenous infectious retroviruses; and e) Biological tests to ascertain if the isolated retrovirus is indeed potentially pathogenic and virulent (150,151).
Since Montagnier, Gallo and Levy thought that they had a disintegrated virus, with the isolated proteins they prepared antigens to detect antibodies against these proteins that allegedly belonged to HIV (ELISA and Western blot tests), and with the fragments of nucleic acid they prepared reagents for the PCR test, arbitrarily called "viral load". However, both proteins and fragments of nucleic acid can perfectly well correspond to what are known as "stress proteins" (41,152-155), released by the stimulated (oxidized) culture cells or by the cells of people who have been exposed to many toxic and antigenic challenges with the subsequent oxidative stress, as often occurs within the groups of people who most often develop AIDS.
People who react positively on these tests are not infected with the AIDS virus. These people react positively on these tests simply because they have been exposed to many toxic and antigenic challenges and thus their immune systems (as well as many other bodily systems) are oxidized and weakened and that is why these people have a higher risk of developing AIDS (17,18,41) and therefore should take precautions for the remainder of their lives.
Thus, the phenomenon known as HIV is a marker of intoxication and chronic immunodeficiency (19,24,41,156), but it is not the cause of AIDS. On the contrary, the phenomenon knows as HIV, rather than being the cause of AIDS, is a consequence of the pathogenesis of this syndrome (19,22, 24,41).
Therefore, being "HIV positive" or "Seropositive" does not indicate having been infected but having been intoxicated or oxidized; does not indicate either having been infected through sexual intercourse, during pregnancy, delivery or breastfeeding, or having been infected by blood supposedly "contaminated with HIV." HIV-positive people also pose no danger of infecting anyone else, since it has never been proven that HIV is a genuine virus.
Much more on this matter is available in an article that I wrote with professor Etienne de Harven as a response to Gallo et al in April, 2006 (41).
(6) Why errors about the causes of AIDS were committed
These mistakes were made due to five key factors: microbiological prejudice, homophobia, racism, social corruption and the crisis of the scientific establishment.
6.1. Microbial prejudice. The excessive emphasis on the infectious theory or microbiological prejudice in the minds of researchers, health care professionals, journalists and the general public helped to commit this error and maintains it. This prejudice, or source of bias, comes from the overstatement of the germ theory promulgated by Pasteur and Koch, which in its time provided some benefit to medicine. Unfortunately, today most still think, as they did at the end of nineteenth century, that everything is infectious, that everything is contagious and that there must be some germ that causes all. The world was prepared, through a century of panic to microbes, to commit the mistake on the etiology of AIDS. There was no way to avoid it.
6.2. Homophobia. The fact that the first cases of AIDS occurred in some men of the American "gay" community has increased homophobic sentiments in all areas of contemporary society. Also, because of the high incidence of AIDS in homosexual men, especially in industrialized countries, it was arbitrarily decided that the disease was transmitted by anal intercourse. However, there is no scientific evidence of the so-called sexual transmission of AIDS.
6.3. Racism. The fact of the increase in the number of AIDS cases among the black American community and in the very poor communities of Africa has enabled white American and European researchers to propose that AIDS had originated in Africa, due to inappropriate relationships between Africans and animals (157-159). This is no objective evidence for this theory. These are simply racist concepts in the minds of researchers who advocate HIV as the cause of AIDS.
6.4. Corruption in all spheres of society is another factor that assisted the commission of the error and helps to maintains it (160-163). Many researchers are working not in the interest of service to their fellow human beings, but to achieve fame, recognition and awards (160). The case of scientific misconduct committed by Robert Gallo, of the United States governments National Cancer Institute, in his attempts to "invent" not discover "the AIDS virus" is well known in the international scientific community and in segments of the public (164).
Moreover, there has arisen a very profitable industry of AID$ and those hundreds of thousands who benefit from it, all of whom are opposed and will oppose, with all their forces, any correction (166,166).
6.5. Another factor that brought about this scientific mistake is the ongoing crisis being experienced by the scientific establishment, particularly flaws in research methodology, such as non-compliance with the epidemiological requirements (167). None of the assumptions that underlie the infectious theory about AIDS meet the requirements of the investigative method. AIDS does not comply with Koch's postulates (168,169), nor does it conform to the other epidemiological requirements of an infectious disease (167-174). None of the groundwork for the HIV-AIDS hypothesis has been demonstrated at an objective level. The hypothesis comprises nothing more than mere theoretical assumptions engendered in the minds of the theorys creators.
In practical terms, the entire world population became accustomed to believing anything that was told to them by the so-called men of science. Unfortunately, at present, the opportunity for criticism and questioning is virtually nil. Most people do not request the necessary or possible proofs for apparently scientific assertions. Very often matters of science are defined in press conferences (176-178).
The worst epidemic afflicting the contemporary world is an epidemic crisis of the scientific establishment (176-181). This is much larger than the AIDS epidemic. The international belief that AIDS is an infectious disease and that it is sexually transmitted is one of the consequences of the crisis of the scientific establishment. And there more consequences will emerge, unless we correct course and take a path paved with a truly objective research methodology.
Many people are still not aware of this controversy because of the terrible censorship against our points of view, censorship from the Department of Health and Human Services (DHHS) of The United States, the WHO and the UNAIDS.
The scientific community has been mistaken many times in the last century when considering infectious diseases, many of which were not infectious, such as pellagra, scurvy and beriberi, to mention only a few examples (10,18). The mistake this time with AIDS has a much greater extent due to the catastrophic impact on thousands of people who suffer from this toxic and nutritional syndrome, people from different social groups on all continents. The guilt for the mistakes concerning AIDS lies with several researchers and health institutions of the government of the United States, such as the DHHS, the Centers for Disease Control and Prevention (CDC) and the National Institutes of Health (NIH), which have been echoed by the World Health Organization and the UNAIDS, the latter two being agencies of the United Nations (UN). The majority of the people in the world simply accepted blindly whatever was said by "the men of science" from the north.
WHO and UNAIDS recognize that there have been 25 million deaths from AIDS, unnecessary deaths that make AIDS the greatest genocide in human history. What a shame that this time the genocide is being committed in the name of science.
(7) Some effective alternatives for the prevention and treatment of AIDS
The view of AIDS as a toxic, nutritional and oxidative disease allows it to be treated, prevented and eradicated in an effective, effortless and inexpensive way (182,183), as is being done in many countries.
For the treatment of AIDS we may apply the same basic principles as for the treatment of chronic toxic degenerative diseases: Discontinue, as much as possible, exposures to immunological stressor agents, detoxify the organs and systems intoxicated and stimulate the immune system and others that may be weakened (182 -184). Ten key steps may be followed for the treatment and prevention of AIDS [www.robertogiraldo.com/esp/articulos/Tratamiento_y_Prevencion_2002.html]:
(I) Accept the patients own psychopathology
(II) Delete from the mind the program of death: HIV=AIDS=DEATH
(III) In each case, identify the real causes of AIDS
(IV) Diagnosis based on clinical and laboratory aids
(V) Avoid more exposures to immunological stressor agents
(VI) Detoxify the immune system and other systems
(VII) Stimulate and regenerate the immune system and other body systems
(VIII) Treat the clinical manifestations of AIDS when they arise
(IX) Prefer natural measures and work together, as a teem, with other therapists
(X) Do it at the right time
Drugs such as AZT, protease inhibitors and other antiretrovirals should be removed from the treatment and prevention of AIDS because they are agents that themselves generate AIDS (185-191). Nor does it make sense to use drugs to prevent the replication of HIV, since it has never been scientifically proven that this has any causal role in the pathogenesis of AIDS. In addition, it is absurd to try to destroy a virus whose existence has never been proven.
The protease inhibitors are highly toxic drugs for all body cells, since proteases are after all normally used for metabolic reactions in all body organs and systems (186). However, the antioxidant action of protease inhibitors (192) creates, at the beginning of its use, a transient decrease of what is known as "viral load," but this is nothing more than oxidation or poisoning load. The same action, and even more effectively, can be achieved, on an ongoing basis, with antioxidant agents and without the toxic actions of the protease inhibitors on all body organs and body systems (183).
The control and eradication of AIDS are therefore easily possible, and depends on the capability of the person to completely remove from his/her mind the program of death, perceive his/her own psychopathology, avoid exposures to immunological stressor agents, and detoxify and stimulate the organs and systems that may be weakened (182,183). There must be an eradication of the myth that being "HIV-positive" refers to being infected with the virus that causes AIDS. To be "HIV-positive" or "seropositive" actually means being intoxicated or oxidized (14,36,41,144,146). The mere belief or fear mental agenda of being infected with the AIDS virus is terribly toxic to the immune system and has become a new cause of AIDS (54,55,193). Defeating fear is the first requirement for success in the treatment and prevention of AIDS (194). It is absolutely necessary to fully eradicate from the minds of people the program of HIV = AIDS = DEATH.
The current programs and campaigns to prevent AIDS, based primarily on so-called "safe sex" with widespread distribution of condoms, not only have failed to reduce the numbers of AIDS cases, but have promoted promiscuity. However, condoms (without latex or toxic lubricants) must be employed to avoid contracting authentically sexually transmitted diseases such as gonorrhea and syphilis, in order to prevent unwanted pregnancies and to avoid the immunosuppressive actions of semen (44-46).
Also, the American campaign to provide "clean" syringes (without HIV) to drug addicts is actually helping to generate AIDS and encourage drug addiction and drug trafficking. All psychoactive drugs that enter the body by any route are potent immunotoxic agents (47-52).
Given that AIDS is a toxic and nutritional disease and that conventional or allopathic medicine does not know how to detoxify and stimulate in a non toxic way the different organs and systems that are chronically intoxicated, it is ideal that, in addition to conventional health care professionals, patients consult complementary, alternative or holistic therapists, since they use therapeutic techniques that involve the body, mind and spirit, with have proven effective for the treatment and prevention of degenerative toxic and nutritional diseases such as AIDS (182,195,196).
Different mental or psychic, nutritional, energetic, magnetic, physical and spiritual techniques have shown and continue to show effectiveness in both detoxification as well as in stimulation and regeneration of the immune system and other body systems of seropositive people and patients with AIDS (182). Some of these techniques are trilogical psychoanalysis, homeopathic and naturopathy medicine, acupuncture and moxibustion, neural therapy, digitopunture, Chinese medicine, herbal medicine, nutritional therapy, treatment with chelating agents, hydrotherapy, therapy with seawater, reflexology, lymphatic massage, ayurvedic medicine, Bach flowers, biocatalitic hyperthermia, oxygen therapy, aromatherapy, therapeutic massage, art therapy, colortherapy, hypnosis, yoga, t'ai chi-chih, qigong (chi kung or tuina), Chinese massage, reiki, magnetotherapy, sofrología, orthomolecular medicine, and spiritual care (182,195,196). As with conventional medicine, the effectiveness of each of these techniques or therapies depends largely on the knowledge and experience of those who apply them and the acceptance by those who receive them. Greater effectiveness is achieved by applying to a given person several of these therapies simultaneously.
For those interested in further details on these alternative proposals for the treatment and prevention of AIDS, they are encouraged to consider carefully two articles:
"Treatment and prevention
of AIDS: A guide to basic principles for a nontoxic, effective and cheap
alternative" (182):
"Nutritional therapy for
the treatment and prevention of AIDS: scientific basis" (183):
8) Conclusions
8.1. There is no scientific evidence that HIV is the cause of AIDS. Furthermore, there is ample evidence that HIV does not even exist as a genuine virus.
8.2. The real causes of AIDS are repeated and multiple exposures to a variety of immunological stressor agents of mental, chemical, physical, biological, and nutritional origin. These vary from person to person, from at risk group to at risk group, and from country to country. In developed countries the main risk factor for AIDS is the use of psychoactive drugs, and in underdeveloped countries the most important risk factor for this syndrome is poverty, with all its consequences.
8.3. The toxic and nutritional hypothesis of AIDS solves all the problems that the infectious/viral hypothesis has failed to resolve, despite the billions of dollars invested in research, prevention and patient care.
8.4. The so-called tests for HIV ELISA, Western blot and viral load or PCR cannot detect HIV infection.
8.5. For the treatment and prevention of AIDS it is mandatory, first to accept the patients own psychopathology and remove the death program from the mind of seropositive individuals and patients with AIDS; to avoid as much as possible exposures to immunological stressor agents; and detoxify the organs and systems intoxicated and stimulate the immune system and others which may be weakened. Anti-retroviral drugs are potent immunotoxic agents and can generate AIDS by themselves.
8.6. AIDS is the worst state of alteration that the immune system of humans can reach. In AIDS, all other body systems are also damaged. AIDS inaugurates, therefore, a new epoch in the history of human diseases. The increment of stressor agents in the human ecosystem is seriously endangering the preservation of our species. AIDS is a warning bell! However, the myth or belief in the phenomenon known as HIV does not allow us to see the danger that is engulfing our species.
8.7. The errors about the causes of AIDS were committed due to five key factors: Microbiological prejudice, homophobia, racism, corruption of society and the deep crisis of the scientific establishment.
8.8. The analysis, understanding and resolution of the mistakes made about the causes and solutions of AIDS will force the medical authorities worldwide to rethink their tactics and strategies in caring for people's health. It will generate questions, establish diagnoses and provide solutions to the unjust ways that humans relate to one another in contemporary society, and that ultimately are responsible for the existence of AIDS.
8.9. To overcome this crisis is a matter that concerns everyone: The seriousness of this situation demands that we act accordingly and with determination and resolution. The only way to avoid the continuation of this genocide in the name of science is by creating hundreds of thousands of non-governmental organizations (NGOs) in all countries and through disseminating these truths about AIDS as a toxic and nutritional disease, perfectly curable and not infectious, viral, or incurable as we have been forced to believe. Moreover, it is important that people cured of AIDS by our programs be grouped into NGOs from which they may help with the treatment and prevention of AIDS in many other persons.
8.10. More detailed information on the international scientific debate about the causes and solutions of AIDS, can be found at the following Web sites:
FIGURE 1. Sequence of events within the natural history of AIDS:
(9) References
[1] Physician, specialist in Internal Medicine with emphasis in infectious diseases from University of Antioquia, Colombia. Obtained a mark of Distinction from the London School of Hygiene and Tropical Medicine of the University of London at obtained a Master of Science in Clinical Tropical Medicine. Trilogical Psychoanalyst from the International Society of Analytical Trilogy, São Paulo, Brazil. Independent AIDS researchers since 1981. Member of the Board of Directors of Rethinking AIDS since 1997.


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Goddess in the middle : Forgotten Goddesses Series, Book 3. / Stephanie Julian.
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| Praise for How To Worship a Goddess:"Stellar...Julian blends terrific sex with tender romance.Liberally laced with humor and filled with intriguing characters."-RT Book Reviews 4 1/2 starsTOGETHER. THEY CREATE THEMOST POWERFUL MAGIC OF ALL ...Romulus and Remus are sexy werewolf cousins with an unbreakablebond. When they meet beautiful goddess Amity and save her froman encroaching demon, they discover that the three of them togetherare way more powerful than any of them could ever have imagined.And they're going to need that power to overcome the forces thatare determined to steal Amity's magic and destroy the two men. Asdifferent as night and day, and each an amazing man in his own right,Rom and Remy make all of Amity's deepest fantasies come true ...Praise for the Forgotten Goddesses series:"Oozing with sex and passion...it will knock your socks off!"-...
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text: Hi All We're (well wife is really) taking delivery of a 2006 CR-V on Tuesday to replace our well used and worn RAV4 (12 years old and 152k trouble free miles). The RAV4 is a bit small now internally for the 3 squirts in the rear so we looked and found a nice silver CR-V with 58k miles on it, so not really run in yet! I hope it is as fault free and simple to own as the RAV4. My first query is that the crappy looking stereo has to go and we need to replace it with something more modern and possibly with integral Bluetooth. Any ideas or suggestions please. And, are the speakers as pants as the RAV's and should I look at replacing those too? I should also mention that in 2005 I bought new an Accord Tourer 2.2 Exec and sold it 5 months later. Enough said.