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In a capitalist society, people make mistakes about markets. I've blogged on this before. They attribute all sorts of erroneous things to markets: moral purpose, ethics, innovation, savings, the promotion of equality, the maintenance of democracy, etc. Some of this is not surprising. After all, if you live in a capitalist society, you tend to think that capitalism -- the use of markets -- is a good in and of itself that must be related to other goods. The problem is ... that these connections are problematic and tenuous. Markets do certain things. They have their uses and, even when they don't, there may be good reasons to not overly interfere with them because a high level of interference may hamper democracy. But, if we are going to effectively assess public policy -- the choices that we have before us as a society -- it is likely a good thing for us to know what markets are all about and what they can and cannot do.
First, there is no necessary connection between markets and innovation. Market theorists make this connection because they assume that everyone is motivated by a desire for cash. They call this self-interest as in we all want to be rich. This is actually problematic in terms of its veracity (but this is a discussion for another day). This issue, like so many other issues related to markets, is an empirical question and not a theoretical question. Why? Because if we leave it a theoretical question ... what happens when we change theory? We get a different answer. If it is an empirical question, we at least have a chance of having a consistent answer. So ... do markets innovate? The short answer is: not necessarily. There are been great innovations in human history without free markets (read over William Fogel's _Without Consent or Contract_). There have been amazing scientific discoveries (think Galileo) advances in mathematics and medicine, biology, genetics, amazing works of art were made and poems written. Today, perhaps the most innovative sector of the economy comes from the open source movements in software. Some people make money from this but others -- likely tens of thousands of others -- don't. Market economics can be innovative but so have been other economic systems and sectors of society that are de-commoditized.
Second, markets are efficient, as I have mentioned before, only if you use a specific definition of efficiency. For market economics, efficiency is getting a good to a person who is willing and able to pay for that good at the given price. It does not necessarily mean that more people get that good. To say this again, efficiency is allocation on the basis of desire and ability to pay. If I cannot pay for the good and don't get it ... that is actually a market efficiency. Sounds odd, I know, that impeding access to a good could be considered efficient but if you use the definition of efficiency used in capitalist economics, it is at least consistent.
An example a friend of mine used to explain this to me was downloading music for free (aka, pirating music). My friend argued that economists should, in fact, be happy with this because pirating music (aka, not paying for it), allowed people to make up their minds on the music to which they wanted to listen on the basis of the music (as opposed to having a cost intrude). He -- my friend -- did not expect free downloading to hurt innovation in music at all since, he believed, musicians would keep making music because that was what they did. Whether or not they were paid a lot for it, he said, would not affect the supply of new music since people will always make music. Hence, he was saying, the argument that we need to pay for music because otherwise people will not make it, was bogus.
What you can see in this example is that the argument for paying for music, then, has little to do with maximizing the distribution of music. Instead, it has to do with ensuring that those who can pay for music (a good) and like the music can get it. Thus, ability to pay is a key element of a market.
But, surely, at this point, someone says, markets lower the price of goods, increasing access to them. This is a key misunderstanding. Markets can work in this way, but there are limits. An example that is often used is one where there is no specific good in question. It goes like this: Company X produces good 1 and sells it for $1.00 per good, making a lot of money. The good is popular and there is, in fact, excess demand. Other companies notice X making money by selling good 1 and so they are drawn to the market and, because they are self-interested (aka greedy), they make the same good and lower their price in order to capture some of the market. Company Z sells the good for $0.90 in order to undersell Company X. This forces company X to lower its price to $0.90. Thus everyone benefits. Because company X and Z are now making good 1, more of the good is make and the price is lower.
And, this can happen. But, not always. There are some instances where it might be good to *not* have new companies entering a market. A key example might be industries that have something to do with national security. This could be weapons or anti-hacking software. Said differently, there may be security reasons to limit market access. This might not just involve the military. We might not care very much if there is a serious competition over companies looking to make toys for McHappy meals (although we want these to be safe), but companies that make airplanes or that run airports or make medicine are other matters.
In addition, there may be markets where the entrance costs are really high. Medicine is a key example of this. If you need the latest MRI or CT machine in your hospital ... well ... those are big start up costs. Running an airline (as we have seen in Canada) is another example. How many airlines have, in fact, failed in Canada (in one way or the other) over the last 20 years? Likewise, to continue this example, there can be markets where one product is connected to another and that connection cannot be broken. Think about the airports I mentioned earlier. Not only do these need to be heavily regulated for security reasons (meaning that you can't just open one up without some sort of government involvement), not only are there serious start up costs (how many of us have the money to just start an airport?), but the success of my airport depends on whether or not airlines use it and airlines will only use it if I have approval from government to run and airport, if it is safe, etc. In other words, I can't just open the Sackville International Airport and wait for Air Canada to knock at the door.
I should note that I am not criticizing this. I am explaining the way things are. In general, I don't disagree with the restrictions on airports or the need for proper security matters. The point is to note the way in which there can be markets with very limited access owing to security, necessary connections to other products, the need for safety, and very high entrance costs (some things are simply expensive to build). What this means is that competitive markets become very limited or non-existent in some areas ...
... and health care, btw, is one of those areas. There are all sorts of limits to market access in health care from the need to recruit highly qualified people, to building costs, to the costs of equipment, to the need for state oversight, to policing (we don't want people just strolling in and taking drugs and selling them on the street).
Third, markets are not about morality but are, in fact, a-moral. They do what they do without recourse to morality. Sometimes, this means that markets will supply consumers despite the morality of those markets. Examples: dangerous and addictive drugs and child pornography.
In other instances, they do not lower prices or increase access (remember, again, they can but this is not an "always" situation). Can I give you an example? Yes, university tuition is the example I usually use. Imagine a university that has 100 students and charges $100.00 in tuition. It has a total revenue of $10 000. Imagine, further, that various costs (faculty, books for the library, grounds keeping, etc.) cost $9000.00. Our hypothetical university makes a profit of $1000.00 and it is happy. But, it can make more, It discovers that there are some people who really want a university degree and are willing to pay a lot for it (there could be all sorts of reasons for this, such as labour market integration). It discovers that these people will pay not $100 in tuition, but $200.00. The university now needs fewer students to make the same amount of money. Instead of having 100, students, it now needs to recruit only 50 students for make the same $10 000.00 in revenue. Moreover, because it only has half the number of students, a whole bunch of other costs can be lowered. Our fictional university -- run on a market basis -- needs fewer recruiters, less books in the library, fewer dorm rooms, fewer faculty. In other words, it can cut its costs. Because these costs were realized on an economy of scale (see my post on 31 July about this concept), saving are not 1:1 but let's assume 25%. So instead of $9000.00, costs are $6750.00. Profits surge from $1000.00 to $3250.00.
All this was realized by actually reducing access and increasing costs. It is an example so before some says "you didn't calculate the cost of paper" or something like that, I know. The example is intended to illustrate a point and one that others have discovered already (this is Apple's model: they do not compete for what they view as "low end" markets). Fewer customers spending more can allow a company to realize a higher profit without any new investment. Our university could go the other way. It could try to increase student numbers to realize a profit but that would involve hiring more recruiters and faculty and building new dorm space, and the like. In other words, it needs to start competing in other markets that might have their own barriers to entry (you can only build new dorms, for instance, if you have land; if you don't, you need to buy it and if it is not available ... ).
Again, my goal here is not to say "here is everything that is wrong with markets" but to talk realistically about what markets can and cannot do. They may promote innovation but innovation will occur regardless of markets and occurs for reasons other than the profit motive. Market economics promote efficiency but use a specific definition of efficiency that is different from common sense. These are confused at one's peril. Markets are not inherently connected to morality. Markets can facilitate immorality (in the case of child porn) or can focus on making money, which does not necessarily work to solve other problems. Where money can be made by lowering access and increasing costs (as opposed to broadening access and lowering costs), that can be a market stimulated choice.
There is more that could be said but I'll leave off at this point. There is an upshot to it, however, and that upshot is, in fact, the reason all governments seek state involvement in the economy. They do so in various ways and I am well aware that right-wing opposition politicians often talk about limiting state involvement in the economy. Once they get into power, however, and have to implement their policies, they discover that their discourse was just that: discourse. Barriers to market entry, security issues, morality, the need to deliver election promises, expanding capacity, providing further grounds for economic development (increased access to higher education), all begin to affect government decisions and even right-wing governments come to understand why we have a state and why that state needs to be involved in the economy.
Health care, as I said in my previous blog in the US, is a case in point. Here, premiums can be lowered by limited the access to health care if that access impedes profits or raises premiums. Unfortunately, the thing that increases costs in health care is sick people ... the very people who need the product.
Welcome to this Canadian Studies blog. Its an on-line, on-going open letter on subjects that interest me or seem important to Canada. I welcome comments and criticism, but not flames.
Tuesday, August 08, 2017
A Refresher on Markets and Costs
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Did Anything Good Come of Residential Schools .... Absolutely Not!
The idea that residential schools were "not all bad" is floated now and then. I honestly don't know why. Well ... OK, I think ...
The argument I have been trying to make so far is that the equation of "political correctness" with thought policing is misplaced....
Somewhere, and I forget where, Joseph Heath mentioned a concept which he called something like "the nobility of right". It was not...
Among the various criticisms of PC and SJW is that they try to police thought and, the story goes, this is (a) offensive to basic conception...


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NXT Recap
Full Sail Arena
Orlando, Florida
Air Date: August 30, 2017
There is trouble brewing right from the start tonight on NXT as we go to the entrance of the NXT arena to see the members of Sanity and NXT security laid out. Commissioner, William Regal made it out but the perpetrators had already fled. Off in the distance we could see three shadowy figures, presumably, Bobby Fish, Kyle O'Reiley and Adam Cole.
Inside the NXT Arena, we check in with the table where Percy Watson, Mauro Ranallo and Nigel McGuinness each have their theories. Not surprisingly, two-thirds of the table go right for Cole, Fish and O'Reiley as the culprits, only Nigel appears unconvinced.
The new NXT Champion heads to the ring to cut his first promo as champ. He touches on this being the culmination of his 17-year career and if anybody wants a shot, all they have to do is step in the ring and tell him they want to fight.
Roderick Strong makes his way to the ring and says he saw what happened at Takeover: Brooklyn but doesn't care. All he cares about is his family and the NXT Championship and, after he beats Bobby Roode, he wants to step up. McIntyre respects Strong and wants him to fight like a man. He just hopes Roddy is ready to lose like one.
Mauro Ranallo announces Strong, Bobby Roode as the main event for later in the show. They then go to thr replay of Roode's unfinished business promo from last week. The first match: Peyton Royce vs. Ruby Riot is announced as the show heads to commercial.
We return to a Twitter update on Asuka's injury and are reminded that she had to give up the title despite not losing. She returns next week to make an announcement about her future.
The two ladies make their entrance for the opener. The announce team runs footage that shows Ruby Riot beating Billie Kay three weeks ago.
Match 1: Peyton Royce (with Billie Kay) vs. Ruby Riot
This match is set up as Riot trying to beat both members of the "Iconic Duo." After some early jockeying for position, Riot nails some deep arm drags and a dropkick and takes control with an armbar. Royce backs her to the ropes and snaps her arm over the ropes breaking the hold. She throws Riot at the feet of Kay as we take another commercial timeout.
We return to see Riot free herself from a hold with hard forearms and running clothesline. Riot nails a big boot to the face in the corner and gets a two count. Riot tries to finish her from the top rope but Royce recovers and cuts her off. Royce goes for superplex of her own but its blocked by Riot. Riot is distracted by Kay allowing Royce to nail a fireman's carry death valley driver for a near-fall Royce goes for a roundhouse kick but Riot ducks and comes back with a powerbomb for a near-fall of her own.
Kaye pulls Royce to the safety allowing Riot to take both women with a suicide dive. She throws Royce in the ring where Peyton tries to crawl away. She grabs the ring skirt forcing the referee to kick it out of the ring. This allows Kaye to pull Riot to the floor and hit her with the 50 Shades boot knocking Riot clean out. Royce drug Riot back in the ring and hit the fisherman's suplex for the academic win.
Winner: Peyton Royce
From his office, Regal is asked to comment on the carnage we saw earlier tonight with Sanity. Regal is immediately cut off by Kassius Ohno who informs Regal his is healed again and wants Hideo Itami. Regal answers in the affirmative when Ohno asks for another favor, fearing Itami may use underhanded tactics again, Ohno that the match be no disqualification. Regal also grants the stipulation.
Strong meditates as Ranallo hypes the main event. A vignette of Heavy Machinery is shown as we head to break.
Heavy Machinery (Otis Dozovic and Tucker Knight) vs. Damien Aweel and Edwin Negron
Heavy Machinery is back and looking to get themselves back in the title hunt. Otis starts out here against Damien Aweel. Aweel is a bit timid to start and Dozovic takes advantage by shoving him down. They lock up again and Aweel tries to climb the ropes to get the break. Dozovic obliges by just dropping him to the canvas. Sensing a different strategy is needed, Aweel tries to run right through Dozovic. As you might guess, that didn't work either as Otis doesn't budge then tags in Tucker Knight.
Knight makes the tag and Heavy Machinery do the double-team body block on Aweel. Miraculously, Aweel gets to the ropes and slugs Knight on the break allowing time to make the tag to Negron. Aweel and Negron attempt a double-team move on Knight which he ducks and hits a cross-body on both men. After a couple of corner splashes, Heavy Machinery performs the compactor and pins both men simultaneously for the win.
Winner: Heavy Machinery.
The announce table switches gears and talks Lars Sullivan. They feel he has anger management issues and to illustrate this point, they show a clip where Sullivan attacked NoWay Jose during his fiesta at ringside. GM Regal has Anderson in his office and informs him that, next week, he will battle three opponents. Sullivan is unfazed by this and just turns and leaves.
Roode is taping up for the main event as we head to commercial.
We are back and Ranallo runs through the card for next week. Andrade "Cien" Almas returns to get his long-awaited rematch against Cesar Benoni. Also, the main event will be Hideo Itami vs. Kassius Ohno in a no disqualification grudge match.
We are set for the main event as Strong and Roode make their entrances.
Match 3: Roderick Strong vs. Bobby Roode
Roode opens by calling Strong a failure and hitting the "Glorious" pose. Strong is understandably perturbed by this and shoves Roode. Strong would take that momentum to take the lead early after a great dropkick and a backbreaker. Roode tries the escape the ring defense but Strong blocks him and scores another backbreaker.
The action spills to the apron and Roode takes control shoving Strong to the post. The fight continues on the floor with Strong going back-first into the ring steps. Strong tries a desperation boot to the face but Roode with a spinebuster on the floor. As both recover on the floor, we head to commercial.
Both wrestlers are in the ring when we come back and Roode tries to end it with a neckbreaker. Roode hits a backbreaker of his own before striking his pose. Strong tries to fire back but Roode is unfazed and turns his advantage into a surfboard.
Strong levels the playing field with a gutbuster and follows with a running lariat. Strong hits another backbreaker for a near-fall. When Roode kicks out, Strong picks him in a powerbomb for another two-count. After Roode escapes, Strong immediately turns it into a Boston crab but Roode was too close to the ropes.
Out of desperation, Roode throws Roddy to the floor. Once back in the ring, Roode tries a modified fireman's carry into a jawbreaker but only gets two. Roode presses the advantage with another spinebuster and a "Glorious" DDT but Strong blocked it. Strong comes back with an Olympic slam and a flapjack for a near-fall.
Roode, again in desperation mode, snaps Strong's neck off the rope. He goes to the top rope but is met by Strong. They fight and Strong hits and enziguri. Strong follows with a superplex but Roode kicks out!! They trade shots in the center until Roode finally scores the "Glorious" DDT. Strong beat it with a foot on the bottom rope.
Strong gets his second wind here and starts wailing Roode with multiple high knees. Strong finishes the match with a modified back suplex into a backbreaker followed by a Strong breaker to get the three.
Winner: Roderick Strong
McIntyre makes his way to the stage to show props to Strong. Out of nowhere, he is jumped by the faction of Bobby Fish, Kyle O'Reiley and Cole. They DDT him on the stage and bolt out of the arena. Regal and his security force are in hot pursuit to close this week's show.

subset: commoncrawl


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Inbox: Where will Blue Jays play Travis in '18?
Why is Ross Atkins so obsessed with adding middle infielders? The Blue Jays need another starter, outfielder and probably even another reliever. Why so much talk about the infield?
-- Sean E., Fredericton, New Brunswick
The Blue Jays' insistence on adding depth up the middle came as a bit of a surprise, but it tells us a couple of things. One, Toronto is clearly worried about the health of Troy Tulowitzki and Devon Travis. Each player has spent significant time on the disabled list during each of the past three years, and until proven otherwise, it's realistic to expect something similar in 2018.
Why is Ross Atkins so obsessed with adding middle infielders? The Blue Jays need another starter, outfielder and probably even another reliever. Why so much talk about the infield?
-- Sean E., Fredericton, New Brunswick
The Blue Jays' insistence on adding depth up the middle came as a bit of a surprise, but it tells us a couple of things. One, Toronto is clearly worried about the health of Troy Tulowitzki and Devon Travis. Each player has spent significant time on the disabled list during each of the past three years, and until proven otherwise, it's realistic to expect something similar in 2018.
Then there's the fact that Toronto may consider using Travis in the outfield next season. That potential move depends entirely on what the Blue Jays do the rest of the offseason, but if another outfielder is not in the cards, then there is a chance Travis starts in left field, with Aledmys Diaz getting the call at second. The Blue Jays are looking for additional versatility, and knowing that Travis should be able to learn the position gives the team more options.
:: Submit a question to the Blue Jays Inbox ::
Who's your under-the-radar pick for next year -- someone we might not be thinking about a lot right now but will deliver?
-- Kelsey J., Mississauga, Ontario
Anthony Alford. The 23-year-old is not going to make the team out of Spring Training, but it might not be very long before he forces his way onto the big league club. Alford, a former college football player, has been making up for lost time by extending his baseball season. In 2016, it was an appearance at the Arizona Fall League, and this year, it was a stint in the Mexican League. He has been looking for as many at-bats as possible, and his tireless work ethic should only improve his prospects for '18.
Video: TOR@BAL: Pearce dives into the stands for crazy catch
If the season began today, the Blue Jays likely would go with an outfield group of Steve Pearce, Ezequiel Carrera, Kevin Pillar and Teoscar Hernandez. Travis might receive some consideration as well, but none of those players will block Alford if he puts together a nice season at Triple-A Buffalo. 2017 was when Alford made his debut, and '18 might be when he sticks for good.
Will Dalton Pompey be in the mix next year? To protect Marco Estrada, J.A. Happ and Aaron Sanchez's workload, will the Blue Jays consider a six-man rotation?
-- @spartacus1978
Pompey's stock has dropped over the past two years, and he is now buried on the club's depth chart. The outfielders mentioned above, including Alford, have higher standings within the organization, and the Blue Jays might add another name to that group before the end of the offseason. Pompey has an option remaining, and he will likely be stuck in Triple-A Buffalo unless he forces Toronto's hand with his performance.
Video: TOR@BOS: Estrada strikes out Devers in the 2nd
The six-man rotation is not going to happen. Toronto is prioritizing position-player depth to protect against injuries to an aging core. There's a good chance this team opens the year with a four-man bench, and in that situation, the best way for Toronto to protect its rotation is by adding a long reliever/swingman. That's a luxury the Blue Jays did not have for most of 2017.
The Red Sox are the defending American League East champs. The Yankees are a young and exciting team fresh off a Wild Card berth and an AL Championship Series appearance, and they added the NL Most Valuable Player Award winner. Explain to me again why the Blue Jays haven't started to rebuild?
-- Oscar K., Milton, Ontario
The division doesn't look very promising at the moment, and the Blue Jays' margin for error will be very thin. That's one reason why, all things being equal, I would start the rebuild by dealing Josh Donaldson, Happ and possibly even exploring the market for Roberto Osuna and Marcus Stroman. Toronto's Minor League system is a lot better than it was a year ago, and that's the core I would be looking to build around. Alford, Bo Bichette, Vladimir Guerrero Jr. and T.J. Zeuch should all arrive within the next two years. Acquiring more talent at a similar level of development would only improve the future window of opportunity.
It's easy for me to say that, because I don't have to deal with the business side and that's where this situation gets tricky. Team president Mark Shapiro recently admitted during a radio appearance that if it weren't for the fans, Toronto likely would have started rebuilding a year ago. The fan support over the past couple of years has been nothing short of remarkable, and the organization is extremely hesitant to alienate some of its new customers. This team clearly isn't rebuilding quite yet, but that stance will change quickly if Toronto struggles out of the gates in 2018.
Video: MIN@TOR: Osuna finishes of 34th save of season
Do the Jays still plan on implementing real grass at Rogers Centre? What's the latest?
-- @andrewsalmon
No, an all-natural grass playing surface will not be happening anytime soon. Whether or not it was a realistic possibility is certainly up for debate, and the Blue Jays' front office has moved onto other renovations it deems more crucial. Toronto has been exploring upgrades to concourses, seats, concessions and the video board and installing interactive technology throughout the stadium. Shapiro's goal is to make Rogers Centre an entertainment hub that centers around baseball while also providing unique experiences not directly related to the game. This will involve modernizing the fan experience, and it won't be cheap. Neither is a grass infield, which essentially kills any hope of upgrading elsewhere.
What should we expect from Carlos Ramirez in 2018? Will he make the team or start in Triple-A?
-- Gerald N., Nepean, Ontario
A loose projection of Toronto's bullpen includes Osuna, Ryan Tepera, Danny Barnes, Dominic Leone and Aaron Loup. That leaves two spots, and one, ideally, would go to a second lefty with another reserved for long relief. Ramirez doesn't fit into either of those categories, so on paper, he's not the best fit, but the talent might also be too good to ignore.
At the moment, the converted outfielder projects as one of the last cuts in Spring Training and starting the year with Triple-A Buffalo. It would be a similar situation to the one Barnes experienced last year, as he did not head north at the end of camp, instead joining the Blue Jays in mid-April. If Tepera, Barnes or Leone experiences struggles or gets hurt, Ramirez is the first line of defense.
Gregor Chisholm has covered the Blue Jays for MLB.com since 2011. Follow him on Twitter @gregorMLB and Facebook, and listen to his podcast.


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Gallery Baroness 310 Morton St, Richmond TX 77469
Open Wed-Sat 11am-5pm extended hours during events
Galley Baroness Upcoming Events
Wednesday January 9th 2018
Wednesday, Jan 23rd 2019 6pm-8pm
Saturday Feb 2nd 11am-2pm
Friday Feb 8th 5pm-9pm
Wednesday, February 20, 2019 at 6 PM – 8 PM
Welcome To Gallery Baroness!
Gallery Baroness is a Brick and Mortar Art Gallery located inside the Old Post Office in Historic Downtown Richmond Texas.
Gallery Baroness presents an eclectic mix of Contemporary, Experimental and Traditional Fine Art displayed in a Gallery Setting.
Please stop by to view our ever changing amazing original Local Art and be sure to come to our Monthly Meet the Artist Events.
Gallery Baroness
310 Morton Street
Richmond Texas 77469
Inside the Old Post Office Richmond TX
Building Open Mon-Sat 10:30am-5pm
Gallery Baroness Wed-Sat 11am-5pm


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OMICS International organises 3000+ Global Conferenceseries Events every year across USA, Europe & Asia with support from 1000 more scientific societies and Publishes 700+ Open Access Journals which contains over 50000 eminent personalities, reputed scientists as editorial board members.
As per available reports about 104 journals, 126 Conferences, 20 workshops are presently dedicated exclusively to Meteorology and about 40,500 articles are being published on the current trends in Meteorology. In terms of research annually, USA, India, Japan, Brazil and Canada are some of the leading countries where maximum studies related to Meteorology are being carried out. Meteorology is the interdisciplinary scientific study of the atmosphere meteorological research related to physical meteorology, weather modification, satellite meteorology, radar meteorology, boundary layer processes, air pollution meteorology (including dispersion and chemical processes), agricultural and forest meteorology, and applied meteorological numerical models.
The Geography & Natural Disasters is an academic journal – hosted by OMICS International – a pioneer in open access publishing–and is listed among the top 10 journals in Meteorology. Each year research scientists have noticed a rise in the number of congresses being held in this field. Geography & Natural Disasters provides a unique platform to researchers and scientist to explore the advanced and latest research developments in the field of Meteorology and Environmental Chemistry thus bridging the gap between researchers and young scientists.
OMICS International – a pioneer in organizing international conferences The 2nd International Conference on Earth Science & Climate Change was held at Embassy Suites, Las Vegas, USA with the theme "Exploring beyond the Horizons of 'The Blue Planet". Earth Science-2013 created a huge platform for scientists, professors, students and delegates to share their ideas and innovations and in turn enhance the progression of science and technology in both business and academia around the world.
|OMICS International hosts over 700 leading-edge peer reviewed Open Access Journals and organize over 3000 International Conferences annually all over the world. OMICS International journals have over 3 million readers and the fame and success of the same can be attributed to the strong editorial board which contains over 50000 eminent personalities that ensure a rapid, quality and quick review process. OMICS International signed an agreement with more than 1000 International Societies to make healthcare information Open Access.
List of major Meteorology and related journals
|This page will be updated regularly.
|This page was last updated on 06thSep 2014


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Sino-Forest Shares Take a Tumble
Shares of a China forestry company held by some big-name money managers tumbled amid allegations by a short seller of questionable accounting, which the company denied.
The drop bruised the largest holder of the company's publicly traded shares, hedge-fund manager John Paulson.
The Toronto Stock Exchange had halted trading in Sino-Forest Corp.'s...


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New Single "2 Grown" Out Now!
30 June, 2018
Dominic and Maria were once a happy and social married couple, but an encounter with an ex turns Dominic's world upside down. Now reclusive and living in a desolate wooded area, the strained relationship is marred by Dominic's dark secret – one that has him thirsting for his wife's blood. "SED" is a modern take on the vampire genre, replacing an often glamorized look with a gritty view of the monster's struggles.
2 new singles "Hot Blue" & "Nightmare Ft Rebecca Strong"! ...


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Research & Advice - Eyesight
Latest Article: Subaru Outback Adds EyeSight And Reversing Camera For AustraliaSubaru Australia has announced availability of its new EyeSight safety system to the high-riding 2012 Outback. The entry-level Outback 2.5i variant also gains a reversing camera and satnav in its standard kit. The 2.5i also picks up USB connec...
Continue Reading Dec 28 2011 (7 years ago)
Mar 02 2011 (8 years ago)


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News | Politics | Business | Entertainment | Sports | Gossips | Lifestyle | Trending News | Technology
Saturday, 22 October 2016
Dozens killed as passenger train derails in Cameroon
At least 55 people have been killed and almost 600 injured after a packed passenger train derailed in Cameroon. Passengers in the front of the train reported seeing the carriages behind swing off the tracks moments before the crash.
"There was a loud noise. I looked back and the wagons behind us left the rails and started rolling over and over. There was a lot of smoke," a reporter said.
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Julie Anne San Jose's "Tidal Wave" music video has been released on the singer-actress' Vevo channel on YouTube.
Directed and edited by Laura Ferro, the music video has an American feel, especially that everyone in it aside from Julie Anne looks Caucasian, and that it was shot in the U.S.
"Tidal Wave" explores the wave of emotions that come from a first love: the frustration and embarrassment of not knowing how to act, the excitement that comes from a simple glance, and the elation that when you realize that your affection is returned. -YouTube
"Tidal Wave" is available on iTunes, Google Play and Amazon.
For more television, movie, and music updates, like/follow The Ultimate Fan on Facebook and Twitter.


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Hartlepool United boss Craig Harrison tonight starts Pools' preparations for their first ever crack at the National League.
Pools visit Northern League neighbours Billingham Town for their first warm-up game (7.45pm kick-off).
Having been handed the club's fixture list just yesterday, and a home opener against Dover Athletic, Harrison admits the hard work starts now for Hartlepool, who are looking to bounce back to the Football League at the first time of asking.
Harrison said: "The excitement goes up and it can focus you a little more too once the fixtures are there in black and white. We're only four weeks on Saturday away from getting underway, so we have a little bit of building time still, but it will soon come around.
"Now the fixtures are out, it gives us the opportunity to sit down as a staff and plan in a bit more depth how we're going to structure the schedule and plot how we can get back in the EFL as quickly as possible.
"All things are looking positive at the club, so we're all really looking forward to our first game at Billingham, and then making sure we are in good shape for that opening game on Saturday, August 5."
Pools' Vanarama National League fixtures
August: 5 Dover Athletic H, 8 Macclesfield Town A, 12 Maidenhead United A, 15 Chester H, 19 Bromley A, 26 AFC Fylde H, 28 Guiseley A
September: 2 Maidstone United H, 9 Dagenham and Redbridge H, 12 Wrexham A, 16 Leyton Orient A, 23 Eastleigh H, 30 Woking A
October: 3 Barrow H, 7 Solihull Moors A, 21 Sutton United H, 24 Tranmere Rovers H, 28 Torquay United A
November: 11 Boreham Wood A, 18 Aldershot Town H, 21 FC Halifax Town H, 25 Ebbsfleet United A
December: 2 Macclesfield Town H, 9 Dover Athletic A, 23 Maidenhead United H, 26 Gateshead A, 30 Chester A
January: 1 Gateshead H, 6 Dagenham and Redbridge A, 20 Wrexham H, 27 Eastleigh A
February: 3 Leyton Orient H, 10 Barrow A, 17 Woking H, 20 FC Halifax Town A, 24 Ebbsfleet United H
March: 3 Aldershot Town A, 10 Boreham Wood H, 17 AFC Fylde A, 24 Bromley H, 30 Maidstone United A
April: 2 Guiseley H, 7 Solihull Moors H, 14 Sutton United A, 21 Torquay United H, 28 Tranmere Rovers A


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Live free fum chat de sexo - Charles kelley dating
I pray that you will become a mom.\r\n I think back over the past six years of our marriage and am grateful for the time that Charles and I have had together, just the two of us.
God knows us and he knows our marriage and he blessed us in just the right time.
Like, ecstatic and I'm crying even as I type those words! I am so lucky to have a best friend and partner in life like him, and our child couldn't have scored a better dad!
This journey to become a family of 3 has been a long, interesting, sometimes fun and sometimes heartbreaking road – a journey that I want to share here at Womanista because I know there are a lot of women out there who have walked the road of a fertility struggle and we can all grow, heal, and understand each other better through our shared experience. She is fabulous, by the way) informed us that we had about a 1% chance of conceiving a child naturally. So after getting the 1% news, we decided to hang out this summer, relax, enjoy and live our lives fully & happily.
But it isn't, because we'd already made the decision to take time off, and we said everybody can do whatever they want to do.
If Hillary wants to go act, if Dave wants to go produce, if somebody wants to travel the world, go do it!
"It was an idea I had for a year: I'm the driver bringing the circus to town — first one in, last rolling out. "If I am going to do something outside of Lady Antebellum, it's got to make a statement. "Because we're so healthy is why I decided to do it now," he explains.
" Those other "dudes" include Paslay and Dierks Bentley, who each take a verse of the tune and harmonize on the choruses. With Lady Antebellum, there's always pressure. It's hard for commerce not to rear its ugly head when you're making decisions.
So let's just cool it with those not-helpful clichés, shall we? My prayer is that if you are struggling with trying to conceive a child, you will remain hopeful.
) Don't even get me started on the "Gosh, y'all have been married forever, when are you gonna have kids already!? I pray that you will trust God to make a way where there isn't a way.
We answered lots of questions about family history and did lots of tests, some easy and some painful (YALL! Just google it if you don't know what it is (or don't.) My nurse informed me that it would feel like "light cramping". His love, support, passion for our marriage and our future children has never, EVER waivered, even when the frustration seemed insurmountable.
I am so lucky to have a best friend and partner in life like him, and our child couldn't have scored a better dad!
We made a plan to regroup this fall and explore other options to expand our family. I woke up one morning in June and there it was, a positive pregnancy test. I share our story not to recycle those annoying clichés (If I heard once "Just relax and it will happen!


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NORTH HAMPTON � A batch of mosquitoes has tested positive for West Nile virus, and the town is at a moderate risk level for the disease, according to state officials.
Results came back from the state health labs last week showing mosquitoes in North Hampton carried the virus, according to state Department of Health and Human Services spokesman Jake Leon. No human cases of the virus, which can be fatal and is transmitted through mosquito bites, have occurred in New Hampshire this year, he said.
The town was already at a moderate risk level since the only case of West Nile virus last year occurred in North Hampton, according to Leon. He said that person survived.
Mosquitoes from Rye and Kittery, Maine, were also recently found to carry the virus the last several weeks, its presence in Rye announced last week by town officials.
Mosquitoes contract West Nile virus when they feed on birds infected with the virus, Rye town officials stated in a release last week. Residents are encouraged to eliminate standing water to prevent mosquitoes from breeding, as well as to check windows and doors for holes through which mosquitoes can enter homes. They are also encouraged to use effective mosquito repellent and to wear long sleeves and pants at dawn and dusk when mosquitoes are most active.
For humans, the risk of contracting the infection is low, and in the overwhelming majority of cases, there are no symptoms or just mild, flu-like symptoms, according to town officials in Rye. If illness does occur, it happens within four to 10 days after being bitten by an infected mosquito, they said. If someone is experiencing flu-like symptoms including fever and headache, they are advised to contact their local medical provider.


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Month: January 2016
Guest Post: CrossFit's Impact On My Life
While I have always been of average build, I was never considered athletic. I am by nature, not a coordinated person, so when I decided to embark on a six-month journey into CrossFit, I was not optimistic. I had previously tried kickboxing and I couldn't become dedicated to it, so I thought CrossFit would be
Read More


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Nottingham Outlaws – Lindley Swifts ARLFC
18. Match Day
8. September 2018 2:30 pm N/A
Latest News:
On Saturday 10th November, Bramley Buffaloes will be holding their 2018 Presentation evening, at Bramley…
9th September 2018
Voting is open for hte 2018 player of the year.
Follow the instructions below. and vote for your player.
© 2013 Bramley Buffaloes Rugby League Club, All Rights Reserved.


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Every day I cross that bridge at sunrise
Or sometimes later when the alarm is too early
and I am not yet ready to leave the beauty of my last dream
And sometimes earlier when the earth tilts outward
as her orbit takes her closer to the sun.
Every day I watch the sky as I descend the hill
Excited by sun-sparked colors, grey cloud swirls, or blue sky
Imagining reflections, fearing the moment has passed.
Every day I climb the ramp, distracted driver
seeking a glimpse of water
Smooth to reflect the sky, disturbed by wind or churned by barges
Craning to catch a magic moment or crestfallen
when no magic appears.
I do not stop every day to find the place between two bridges
The downstream bridge I cross, the upstream bridge I observe.
But sometimes sun kisses water and bridge and sky and I am there.


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Syrian President Bashar Assad said on Tuesday that Europe is "not dealing with the cause" of the current refugee crisis.
Syrian President Bashar Assad said on Tuesday that Europe is "not dealing with the cause" of the current refugee crisis, adding that all the West now is crying for the refugees with one eye and aiming at them with a machinegun with the second one.
"Actually those refugees left Syria because of the terrorism, mainly because of the terrorists and because of the killing, and second because of the results of terrorism. When you have terrorism, and you have the destruction of the infrastructure, you won't have the basic needs of living, so many people leave because of the terrorism and because they want to earn their living somewhere in this world," he said.
"It's not about that Europe didn't accept them or embrace them as refugees, it's about not dealing with the cause. If you are worried about them, stop supporting terrorists," Assad said during an interview with Russian media outlets.
"If we ask any Syrian today about what they want, the first thing they would say - 'We want security and safety for every person and every family'," the Syrian President stated, noting that political forces, whether inside or outside the government, "should unite around what the Syrian people want."
Addressing the reforms that the opposition groups are calling on the government to implement, Assad said that terrorism is an obstacle for every step forward.
"If you want to implement anything real, it's impossible to do anything while you have people being killed, bloodletting hasn't stopped, people feel insecure," he said.
Moreover, Assad said that the dialogue in Syria should be continued "in order to reach the consensus," which cannot be implemented "unless we defeat the terrorism in Syria."
He also went on to talk about the "Syrian fabric" that includes people of many ethnicities and sects, including the Kurds.
"They are not foreigners," the Syrian president said, highlighting that without such groups of people who have been living in the region for centuries "there wouldn't have been a homogeneous Syria."
"I would like to take this opportunity to call on all forces to unite against terrorism, because it is the way to achieve the political objectives which we, as Syrians, want through dialogue and political action," Bashar Assad said.


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deepak, 27 Nov 2012software problem it was un handeling.Samsang champ duos e2652 mobi internet is veri slowly work
deepak, 27 Nov 2012software problem it was un handeling.Samsang champ duos e2652 mobi internet is veri slowly work
RAMESH, 31 Oct 2012bro i also want to know the same thing did you get reply from anybody. pls inform my mail id ... moreno whatsapp won't work in this phone ....i tried bt it didn't support it
it is also useless there is no gud fechrs nd useless for software nd not gud working for any browser . It was my bad choise for Samsung
Its a use less phone.. with no good features and no proper software.. its hell with this set.. :( :(
Anonymous, 04 Aug 2012I hve facing many problems in this device..this's featureless mobile.nd not support themes. Ha... moreCan't be! I'm using this awesome mobile for four months now and it is doing great! I agree that there are improvements to be made; for example the playlists which empty each time you add or delete a new song but other than that, I have tons of apps and games I'm using with it!
its very worst product of samsung the mp3 songs are not playing correctly
my mobile's java has closed:(
how i m on this???????
plzzzzzzz help me:(
Subham, 05 Oct 2012It is quite good for internet but after surfing few hours its switch down and we can download ... moreI'm also using samsung E2652 duos champ in this phone bluetooth sending was very, game was download but tat was not playing, touch problem, wat to do for all those 3 things..also i given my mobile phone in service centre for tis matter they are not response for it they telling go to showroom where ur buy tis mobile...plz i request u to send me how to work it fast with stucking..reply plz
RAMESH, 01 Nov 2012can i use this samsung champs duos e2652 as a modem for internet on pc ??????????????/no this cannot be used as a internet modem for any systems.
VJ, 11 May 2011Hi, I took a review at a store. Its a Good phone. some time sluggish with multiple applicati... morecan i use this samsung champs duos e2652 as a modem for internet on pc ??????????????/


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any websites with different local domains integrate all the languages under our .com domain.
Budget $10-30 USD
we have any websites with different local domains. We want to integrate all the languages under our .com domain. We have WP theme. we need very clean and error free Installation , Integration, SEO effective setting for our website. The site will be created first in local After we can update to server.
4 freelancers are bidding on average $33 for this job
Hello SIr, Greetings Of The day, As i see, you need a website. you want to do smooth installation with error free. and need some feature of language. here iam happy to help you. hope you will come inbox for kn More
Hi How do you do! As I am an experienced web developer, I am sure I can handle that kind of project perfectly in quick timeline. I want to discuss further more now. Looking forward to hearing from you. Sincerely


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In the context of this series, Hans Christian Andersen had only been dead 35 years, making him almost a modern. He apparently hated his fairy tales, which is where he found his fame and success, and despaired that his plays, poems and novels never reached the same status.
But it's easy to see why people today remember his fairy tales. They were clearly written and infused with common sense and sound morality. Today's tale, "The Nightingale," is a meditation on humility, creativity, the difference between art and artifice and the spirit of freedom that is necessary to create beauty. It may be disguised as a simple tale for children, a fable in the tradition of Aesop, but there is much more going on in this story than meets the eye.
Wednesday, January 21, 2009
January 21: The Nightingale's Healing Melody (Vol. 17, pp. 301-310)
Posted by Randolph T. Holhut at 5:38 AM
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Huawei Y300 with Jelly Bean and Dual Core 1.2GHz
by Oct 13, 2012 1:19 pm0
Huawei, one of Chinese manufacturer has unveiled an Android smartphone for the middle to lower class, for Brazilian market. The phone is Huawei Y300 is priced around US $ 250.
This smartphone comes with the Android 4.1.1 Jelly Bean operating system. The Huawei Y300 also has a pretty good processor, the dual core processor with a speed of 1.2GHz and supported by 512MB of RAM. In addition, this phone also has a fairly lightweight size, which is only 120 grams.
There is no official information about the other specs of this phone, such as the internal memory of this phone and camera. While the display of this phone is quite large with 4 inches with a resolution of 480 x 800 pixels.
On the battery, Huawei Y300 has a Li-Ion battery with a capacity of 1730 mAh. To be sure, this phone will be launched in December for the Brazilian market. There is no certainty whether this phone will also be launched in other countries.


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Hello my beans!
It has been too long! I got into a bad mindset for a little while but fret not, I am feeling better and I am back with a roundup of the past while because I have done some things that I want to share with you lovely people! My sister introduced me to these juices, the company Sprout and Co. juice the best ingredients into these healthy juices and they taste delicious! Check them out if you want to pick up fresh, locally sourced healthy drinks!
I love ginger! It is fiery and warming and really refreshing, you can get alcoholic ginger beer which is very ready available but as I am not a big drinker I went on the search for non alcoholic versions. I came across Bundaberg an Australian ginger beer and it is amazing! I love it!
I went for a hike up in Glendalough and I wasn't very happy for a lot of reasons. I am not happy that I didn't get enough footage or images BUT I do intend to do an I've Been Out Walking video on this place and I can't wait to do this tough hike again.I got an invite to Thornton's Restaurant 25 year anniversary celebration. Thornton's is a one star Michelin restaurant in Dublin's city centre and it is my favourite restaurant in Dublin. It was a fantastic event with amazing canapés and wonderful speeches from Kevin and his wife Muriel. If you are ever in the mood for wonderful food definitely check it out! Tiffin is now 5 months and is getting on really well! She is now fully vaccinated and ready to play with every dog on the planet. I have found a dog park that is perfect for my pup's development and I will probably do a post on it because there is also an eatery I want to check out for sure! I got the opportunity to go to Ben Howard in the 3Arena, I absolutely loved his first album! Definitely recommend his debut album! His visuals were incredible! I have some video footage that will be going in my April video so keep an eye out for that at the end of the month! I have been trying to get outside more and more because going outside makes me happy. I think taking the time to sit and think is really quite important! I love sunsets because they are really peaceful. I try to see a sunrise or a sunset in a day. Maybe set yourself the challenge to see something beautiful each day!
How are you my beans? What have you been up to?
Happy Travels!


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In the most recent living room update post, I mentioned that we had a bigger, much more awesome chair on the way.
These two Ikea STEFAN chairs on loan from our dining room weren't really cutting it. We don't actually need two chairs there since I don't usually sit next to Andrés when he's at his laptop. This desk is mostly for him because I do my Internet browsing from the couch. He does Important Things there, like downloading the hottest mix tapes & looking at cat GIFs.
We picked out the Emme Graphite Armchair from Kirkland's. They didn't sell it in store at our Woodbridge location, so we ordered online. Good thing, too, since it was on temporary sale from $179.99 down to $149.99. Kirkland's offered free ship to store, & I found a online promo code for an additional 15% off, which means we got it for a grand total of: $140.70. That's some bomb savings, you guys.
I'm loving it! We now have two big hefty chairs for extra seating (the other one is the purple Morgan Armchair from HomeDecorators.com). Like we need really extra seating, though.
Here's how it looks in our space:
I also took the opportunity to neaten up the cords coming from the laptop charger, the hard drive & the lamp. I used twisty ties to gather up the extra bits, then I used some 3M Command Metal/Plastic Utensil Hooks to hold up the bundle neatly under the parsons desk.
It looks cleaner for people walking up and down the stairs on the other side of the railing, too.
Although the tones of the chair look similar to the gray tone of the couch, the chair is actually a lot lighter. I'm thinking about adding some nail head trim to it to spice it up a little. Not sure yet, though!


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WESTFIELD, NJ — It is something that has happened to many who live in suburban communities with increasing frequency over the last decade: You're driving around a familiar neighborhood when all of a sudden you notice something that always was there is not there anymore. That quaint, cozy home down the street or around the corner is now gone, replaced by a massive hole in the ground.
Where once, existing residences being flattened and replaced by new structures was a relatively rare occurrence, nowadays it happens often enough that it is no longer considered front-page news — unless, of course, it's the home next door to yours.
Ironically, the incidences of teardowns is, in part, a reflection of a phase of residential real estate called "expansion."
There are four cycles in real estate: Recovery, Expansion, Hyper-Supply and Recession.
"Today our real estate markets are well into the expansion phase," said Susan Massa, a broker associate with Keller Williams in Westfield. "The transition from recovery to expansion occurs when affordability begins, first-time homeowners start to enter the housing market. Since most real estate expenses are fixed, increased revenues translate almost dollar-for-dollar into increased profits. Increased profits attract new development of vacant land or redevelopment of existing properties.
"Basic economics tells us that new supply will satisfy demand and eliminate the upward pressure on rents and land prices accordingly," Massa said. "But here's the twist: it takes a long time to add new inventory to the real estate market once it's needed. By the time meaningful amounts of inventory start to come online, the overall economic expansion has been under way."
Massa enumerated five reasons why an existing home in an established residential neighborhood might get bulldozed in the first place:
1. Repairs are too expensive.
"If the cost of repairs is too expensive, you may want to think about whether the house is worth salvaging. In many cases, a house that has been declared unsafe is demolished to make room for new construction."
2. Cost of repairs exceeds value of home.
"Once a home has fallen into extreme disrepair, the house may even decrease the value of the property. There also comes a point when the cost of repairs exceeds the value of the home."
3. You need land for building a custom home.
"One of the biggest difficulties of building a custom home is finding suitable land for what you have in mind. What a lot of people do is buy properties that already have houses on them. They then demolish houses to make room for their custom homes."
4. House is declared unsafe.
"If a house has been declared 'uninhabitable,' you won't be able to live there without making significant repairs."
5. House is infested with animals and insects.
"If neglected, houses can become infested with rats, termites, bees and other opportunistic critters."
Avoiding inspections and appraisals, or closing at the discretion of the seller, are some advantages to undertaking a complete teardown.
"For the existing homeowner who wishes to raze their existing home the end result is their dream home," Massa said. "However, the cost, need to pay of existing mortgage, take out a construction loan, interview builders, live elsewhere which can be 12 months during construction."
Not everyone sees the proliferation of teardowns continuing unabated. In fact, there have been fewer lately than there were just a couple of years ago.
"After speaking with some local builders, it definitely has slowed down and for the next year I'm told they are looking for home expansion projects rather than teardowns," said Mary Rittenhouse, a Realtor with RE/MAX Select of Westfield. "The market for new construction has been on the rise for several years, with influx of buyers mainly from New York, Hoboken and Jersey City. The demand was high and Westfield, especially on the south side, has a lot of smaller homes on good-sized lots. Also a lot of these homes are in their original conditions, so needed a lot of updating and expansion to serve the needs of the market. Today's buyers who are financially able to buy new or pre construction, can have a home customized to their liking, not to mention that everything is new so maintenance cost is lower."
Would property owners be better served instead to do an extensive remodel or add-on instead of a teardown? Massa says the answer to that question depends on assessing whether a renovation is appropriate and if it is cost effective. This starts by determining the home's present market value, hiring an architect who is familiar with zoning, interviewing and hiring a builder, and continuing to live in the residence during the renovation if possible.
"In a town like Westfield, where owners have lived there most of their adult life, bringing up their kids, and now that their kids are out of the school system, they are looking to downsize or move out of town completely," Rittenhouse said. "They seize the opportunity to sell to these developers, hassle-free, without spending money to renovate in order to sell, and for the developers they can get three-fourths times the price of the older home since demand is there. Extensive remodeling does not make sense unless you're an investor or you're looking to live in the home for a long period of time. To do extensive remodeling just to sell is too expensive and the rewards are not there when comparing the cost of remodeling for home owners."
Of course, a teardown affects not only the homeowner and eventual buyer, but also the other residents on that street, whose landscape will be irrevocably altered.
"There is always a sadness when a home is razed," Massa said. "Once there was a home and now it's gone. The anticipation of what will be built and how will it relate to the area becomes a concern. But like all of us, we will adjust and welcome the homeowners."
"I think it's a mixed feeling," Rittenhouse said. "Some people don' t mind it, as it rejuvenates and brings in younger families to the area, which in turn helps business owners in town, the community, etc., and some people see it as too much of new construction versus keeping the character of the neighborhood and renovating homes, which they would prefer."
"Not everyone sees the benefit of teardowns," Massa conceded, "though many hope if there is no alternative, there is a sensitive blending of style and the overall character of the neighborhood. The leading opponent is the National Trust for Historic Preservation, (which) argues that it's an epidemic that is wiping out historic neighborhoods one house at a time. As older homes are demolished and replaced with dramatically larger, out-of-scale new structures, the historic character of the existing neighborhood is changed forever.
"However, the National Association of Home Builders admits teardowns have become modus of operandi in certain areas, but counters that the new houses often breathe new life into older communities," Massa said.


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|The quarter knees are taped off so that I can paint the sheers.
|After the paint dried, I re-installed the stainless steel eye-bolt in the transom knee.
|Grain pattern for the aft thwart.
- Finishing construction and installation of the seats
- Painting the sheers Sea Foam Green (some spots still need epoxy first)
- Planking the deck
|Measured distance from aft face of fwd frame to mid-line on deck beam - 18"
|Measured distance from aft face of fwd frame to aft edge of breasthook (port side shown) - 36.5"


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|LeAnne's Slutty Dress Spanking!
LeAnne was caught, by her mother, wearing a very revealing dress and at all places the mall. LeAnne may not have been embarrassed but her mother sure was. So, to help LeAnne pick out better wardrobe Ron gave her a good sound spanking in an appropriate dress!
Product Type: Video Clip
I'm a real spanker who spanks women who like, want and know they need to be spanked.
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Friday, January 31, 2014
LeAnne's Slutty Dress Spanking!
Posted by Spankher4real at 2:56 PM
Labels: LeAnne
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Boys Age - Tiger Tiger
(Little L Records 2014)
Bearing lush arrangements and a shimmery coat of cavernous reverb, the latest album by Japanese avant-pop outfit Boys Age wears its Yo La Tengo influence on its sleeve. It's not surprising, as Boys Age frontman Kaznary Mutoh considers himself the drone-pop trio's offspring. Tiger! Tiger! reflects the nervous, bookish energy of early 2000's indie rock while still employing a few more recent trends: lo-fi drum machine on "Love The Clumsy", shoegazy guitaristry throughout "Jaunte" and a bit of Ariel Pink-esque quirkiness sprinkled throughout. It's an engrossing effort that boasts much more depth than your average home-recorded release. The album just dropped today, and you can pick it up on tape via Little L Records.
Half-Gifts: Your newest album is very vibrant and quirky, reminding one of Mac Demarco and Yo La Tengo. What music were you listening to while recording TIGER ! TIGER ! ?
Mutoh: Those days, I was absolutely crazy about Yo La Tengo, Kurt Vile, Gap Dream, Television. and I learned music for this album from Yo La Tengo, Kurt Vile, Lou Leed, The Clean, Television, Nat King Cole, June Carter Cash, Françoise Hardy.
There are some pretty complex instrumental parts on the album, how was it recorded? What sort of equipment did you use and what was the process like?
I always use KORG classic hard disc MTR D3200 at my bedroom. At first I recorded some guitar, bass, and vocals phrases on simple machine beat, (At this time, I'm already thinking some extent arrangement about songs.) and then I recorded some instrumental melodies one by one with cheap synthesizer. It takes a very labor. because I don't use convenient digital ways as copy & paste. I can't love those ways. Finally, I go to the practice studio bring the MTR and recorded drum part. It's hard work to be carrying heavy equipment, because I'm so weak and have a very skinny body.
Which do you like better, CDs, cassettes or vinyl?
In Japan, CD is receiving overwhelming support. But I love analog media. CD isn't interesting. I would rather buy mp3s than buy CDs. mp3 is enough. Vinyl and Cassettes is difficult to say which of the two is better. I both love. Hmm...if now, I choose the cassette. I just bought a new Panasonic tape player.
Do you have anything planned for next year, musically?
We have some plans to release on tapes and 7 inches and compilation. For these, I'm praying to go on well. I'm talking a little with R.Stevie Moore. I think that it is making a lot of album also next year.


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While the kids were at the party, H and I attended a dessert and game night at church. I scored a small loot of candy and a too-full belly of desserts. I was feeling ready to go home and pass out after my wild and hectic weekend, but was reminded by a friend that I was teaching a class in church the next day. I had forgotten this and, while thankful for the reminder, was instantly deflated and felt ten times more tired than before hearing that. So, after getting home, I had to prepare the program flyer for church (another task that slipped my mind) and read the lesson with my eyes half open. Thankfully, I had time in the morning to prepare and it went well. But boy, it was a looooong weekend.
This week didn't slow me down much either. I worked two mornings this week at the kids' school book fair (a task I didn't mind at all), subbed one day, took the kids to theater class, had some visitors from church over, went out to visit some ladies from church, had parent/teacher conferences, and three days this week were half days for the kids at school. Yeah, I'm tired again. The only day off I had to really relax was Tuesday and I took full advantage of it. How???
With this...I ordered this last week after seeing it on another blog and got it in the mail Tuesday afternoon. I swore I wouldn't delve into it until I finished this... But I peeked at the first couple of pages of it, and was completely sucked in. I still can't bring myself to stop reading it. I am not done yet, but would already suggest it to all you Jane Austen fans. Now, if the books ends up sucking at the end, I'll feel bad for suggesting it. But I'm going to be optimistically forecasting that it won't suck.


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video joke tagalog protoselida great
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2 Things Individuals Do Definitely Not Have Information Relative To LASIK Eye Surgical OperationThe eye can be analyzed with relative ease as to both its function and its structure. A functional assessment consists of the ability to move in the orbit and the response of the pupil to light and accommodation.
The function of the eye might be tested in a number of methods. The patient might be asked to determine illuminated letter or items of differing sizes on what is known as the Snellen chart.
Alternatively, the evaluation of the structural part of the eye may be made in a number of methods. Tension within the eyeball is determined by a "tonometer." In specific illness, specifically in glaucoma, the stress in the eyeball is increased noticeably.
However, it must be well bore in mind that a client with an eye problem might have other problems also. Frequently other physical conditions are main and affect the eye as a consequence. The appearance of the eye can inform the patient and the doctor to problems in some disturbances of other parts of the body even before other symptoms provide themselves.
One's dependence on sight is highlighted when one deals with a possible or short-term long-term loss of this important sense. For this reason, when restorative procedures are sought, certain kinds of vision correction such as contact lenses or glasses are prescribed.
On the other hand, some individuals are bothered with the fact that they have actually some framed lenses or contact lenses in front of their eyes.
For this reason, advanced surgeries were developed to encourage decreased utilization of contact lenses or glasses. Among which is the now popular LASIK eye surgical treatment.
Basically, LASIK eye surgery is the short-term for "Laser-Assisted In Situ Keratomileusis." Like its tangible counterpart, LASIK eye surgery is another kind of vision correction. The only difference is that with this type see page of surgery, one's vision is remedied permanently.
With LASIK eye surgical treatment, the refractive errors in the cornea are completely transformed. This can be done using an "excimer laser."
The main function of this surgery is to develop a threadlike, rounded "flap" in the cornea using a blade called "microkeratome." In a series of unfolding and laser processing, the cornea is finally reformed, allowing better the eye to direct more light into the retina.
Appeal vs. Disadvantages
In the middle of the growing appeal of LASIK eye surgical treatment, there are still disadvantages that people should know. Probably, the main reason that this kind of eye surgical treatment has actually become well accepted is since the majority of its cases had succeeded.
However, in spite of its success, there are still some drawbacks. Here is the list:
1. It is an operation applied to the most sensitive part of the eye
Due to the fact that LASIK eye surgical treatment includes the operation of the retina, which is among the most sensitive parts of the eye, the majority of people say that the operation can be very dangerous.
In other words, a simple mistake could almost cause an individual's life time loss of sight. For this reason, it is essential to think about numerous elements before choosing whether LASIK eye surgical treatment is the best corrective procedure one needs to undergo.
2. It is not a ideal procedure
LASIK eye surgical treatment might fix more helpful hints your vision however it does not necessarily indicate that it can provide you a perfect vision. Even if statistical reports reveal that 70% of the clients might have 20/20 vision, this does not necessarily indicate they have ideal vision also.
Given all these things, it can be deduced that, in spite of the appeal of the operation, LASIK may not always be the perfect eye surgery the method the majority of people see it
Alternatively, the examination of the structural part of the eye might be made in numerous methods. It ought to be well remembered that a client with an eye issue may have other issues. Frequently other physical conditions are main and affect the eye as a effect. The appearance of the eye can inform the patient and the physician to difficulties in some disturbances of other parts of the body even before other symptoms provide themselves.
Like its tangible equivalent, LASIK eye surgery is another type of vision correction.


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Blue Letter Bible offers several daily devotional readings in order to help you refocus on Christ and the Gospel of His peace and righteousness.
Recognizing the value of consistent reflection upon the Word of God in order to refocus one's mind and heart upon Christ and His Gospel of peace, we provide several reading plans designed to cover the entire Bible in a year.
(Heb. form Nazirite), the name of such Israelites as took on them the vow prescribed in Num 6:2-21. The word denotes generally one who is separated from others and consecrated to God. Although there is no mention of any Nazarite before Samson, yet it is evident that they existed before the time of Moses. The vow of a Nazarite involved these three things, (1) abstinence from wine and strong drink, (2) refraining from cutting the hair off the head during the whole period of the continuance of the vow, and (3) the avoidance of contact with the dead.
When the period of the continuance of the vow came to an end, the Nazarite had to present himself at the door of the sanctuary with (1) a he lamb of the first year for a burnt-offering, (2) a ewe lamb of the first year for a sin-offering, and (3) a ram for a peace-offering. After these sacrifices were offered by the priest, the Nazarite cut off his hair at the door and threw it into the fire under the peace-offering.
For some reason, probably in the midst of his work at Corinth, Paul took on himself the Nazarite vow. This could only be terminated by his going up to Jerusalem to offer up the hair which till then was to be left uncut. But it seems to have been allowable for persons at a distance to cut the hair, which was to be brought up to Jerusalem, where the ceremony was completed. This Paul did at Cenchrea just before setting out on his voyage into Syria (Act 18:18).
On another occasion (Act 21:23-26), at the feast of Pentecost, Paul took on himself again the Nazarite vow. "The ceremonies involved took a longer time than Paul had at his disposal, but the law permitted a man to share the vow if he could find companions who had gone through the prescribed ceremonies, and who permitted him to join their company. This permission was commonly granted if the new comer paid all the fees required from the whole company (fee to the Levite for cutting the hair and fees for sacrifices), and finished the vow along with the others. Four Jewish Christians were performing the vow, and would admit Paul to their company, provided he paid their expenses. Paul consented, paid the charges, and when the last seven days of the vow began he went with them to live in the temple, giving the usual notice to the priests that he had joined in regular fashion, was a sharer with the four men, and that his vow would end with theirs. Nazarites retired to the temple during the last period of seven days, because they could be secure there against any accidental defilement" (Lindsay's Acts).
As to the duration of a Nazarite's vow, every one was left at liberty to fix his own time. There is mention made in Scripture of only three who were Nazarites for life, Samson, Samuel, and John the Baptist (Jdg 13:4,5; 1Sa 1:11; Luk 1:15). In its ordinary form, however, the Nazarite's vow lasted only thirty, and at most one hundred, days. (See RECHABITES.)
This institution was a symbol of a life devoted to God and separated from all sin, a holy life.
The Blue Letter Bible ministry and the BLB Institute hold to the historical, conservative Christian faith, which includes a firm belief in the inerrancy of Scripture. Since the text and audio content provided by BLB represent a range of evangelical traditions, all of the ideas and principles conveyed in the resource materials are not necessarily affirmed, in total, by this ministry.
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"Certain Xbox Live subscribers got an e-mail today asking for their participation in a super long survey earlier today. Normally surveys like these are boring, there's a reason certain companies pay you to fill them in, but this one was rather interesting. It asked participants how interested they were in certain first party accessories and Live features. Among the subjects was a web browser, a joystick specifically designed for Xbox Live Arcade games, a mini-keyboard you can plug into your controller for text messaging and a black 'premium' controller. Hit the jump for the most interesting excerpts."
Looks like Microsoft is interested to know if we want more downloadable and streaming content and accessories!
A web browser is definitely a must, it just makes sense for IE to be integrated somehow, maybe even creating a whole new blade just for browsing.
That black controller with backlit buttons would be awsome.
Microsoft is just on fire lately. You can tell they intend to dominate this generation, from top to bottom.
Imagine developers discussing through surveys and InMessing with the consumers on what would be good ideas to include in games, especially what NOT to include in games. That way, a game is made a lot closer to how gamers would like it and potentially sell more than they normally would. That would be cool to me, seeing an idea I had for a game implemented in the final version (kind of like passing the producer role to the gamers and the devs just putting it together for them).
i don't want an internet browser in my dashboard... i like my computer for that
I do want that black controller with backlit buttons and the arcade stick!!!!


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I think back to this time last year and how I was growing quite large with only 4 weeks to go before Reese was born. Then I look at all of our celebrations and festivities of the Christmas season this year and thank the Lord for bringing us such a beautiful little lady to entertain and delight us. I mean, I know we weren't bored before, but dang, did we just twiddle our thumbs before her?
Christmas 2009
So, really it was a most wonderful time of the year, and we enjoyed every minute of it with our friends and family. We headed west to the ranch on the 22nd to spend Christmas with my family, with a stop in Fredricksburg to celebrate JP's birthday. Good wine at Lincoln Street and beer-battered 'shrooms at Auslander....yeeeaaaaahhhh! JP didn't seem to have a lot of luck in the deer hunting category this year, as Christmas day came and it was time for us to leave, but one last drive around with Michael yielded an axis doe. And let me just say...that is some good eatin'! I'm also having the hide tanned and looking forward to new pillows for my sofa...you know I saw some at Christmas Affair for $120 a pop!
So, back to Austin we go on Christmas day evening (after the deer had been cleaned and cut up). Then, to Brenham we went on the 26th to celebrate with the Parker's. Yes, we were on the road quite a bit, which is fine for now, but I do look forward to Reese waking up at home on Christmas morning sometime in the future.
Many people have asked me how Reese enjoyed her first Christmas, and quite frankly, I think she was pretty much oblivious to it. Yes, she is enjoying her new toys, but all in all, doesn't have a clue! Even though I'm planning a nice party for her 1st birthday, I'm totally aware that it too won't mean a thing at this point in time. I really thought she would enjoy opening presents, but actually all she wanted to do was eat the wrapping paper (which she did...it's great protein, right!?)
So, really, I'm already looking forward to Christmas 2011, because I know Reese will still be very young, but I know it will be much more magical for her than this year (and hopefully she's as easy going when we go to see Santa)!


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Life Science
Sample Preparation
Organelle Isolation
A fundamental of cell biology is the biogenesis and maintenance of intracellular organelles. Eukaroytic cells are organized by segregating essential cellular functions into discrete compartments composed of proteins and lipids. Establishing and maintaining order requires mechanisms to synthesize and localize proteins to specific organelles, and monitor and regulate individual organelles. Targeted proteomics profiling can be partnered with protein pathway function by enriching for organelles and analyzing their contents. These kits and reagents enable researchers to enrich for functional mitochondria, chloroplasts and more with companion kits to determine organelle integrity.
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Crocodile wrestling for kids
Animal Planet's Crocodile Hunter is hitting retail this fall with a line of toys exploiting the offbeat personality of croc wrestler host Steve Irwin.
Master toy licensee Cincinnati, Ohio-based N2 Toys is rolling out a talking plush crocodile hunter with an oversized rotocast head and feet. Talking Steve comes with a slot in which kids can store their animal tags and hear his commentary on each collectible beast. He also delivers dozens of his standard quips like: 'Don't muck with it!' and 'She's a little grumpy!'
Other N2 merch includes an off-road vehicle complete with a boat on top, an animal cage in back and a detailed collectible beast. N2 is also debuting the Deluxe Agro wrestling crocodile, a plush kid-sized croc with jaws that snap and a whipping tail. All products have an SRP of US$24.99. N2 will also make a role-play croc hunter game.
Also on-board are: Hasbro Games for puzzles, hand-held electronic games and board games; New York-based Fun 4 All for novelties and key chains; Houston, Texas-based DSI for novelty electronics; Creation Entertainment of Glendale, California for glassware and mugs; Giant Merchandising of Commerce, California for T-shirts; New York-based American Marketing for sleepwear and boxers and Dallas, Texas-based Bio-Domes for hats.
You're a mean one, Mr. Grinch…
Ever green and ever hot, the Dr. Seuss character is getting a big-screen boost from Universal Picture's holiday 2000 release of Dr. Seuss' How the Grinch Stole Christmas. Universal Studios Consumer Products Group has lined up Playmates Toys of Costa Mesa, California as the master toy licensee.
Playmates will produce a Grinch line featuring talking and interactive plush, five-inch figure sets, vehicle sets with figurines, a Grinch holiday countdown clock, character key chains and an OOglie Grinch. SRPs range from US$3.50 to US$22.50. All products will be available at mass in November.
Carbo-loading lineup for kids
Now kids can make fast-food goodies on their own with Hasbro's new line of munchie-merch available this August.
Leggo my Eggo has new meaning with the Easy-Bake Oven Eggo Waffles Bake Set. For an SRP of US$9.99, kids ages eight and up can start each morning right with marshmallow or blueberry topping on their homemade Eggo waffles. The set comes with a waffle pan and serving tray.
The Play-Doh Taco Bell Playset for ages three and up lets kids mold pretend tacos, burritos and nachos. The set retails for US$9.99.
The Easy-Bake Oven McDonald's Pie Bake Set includes a snack tray and pie wrappers to go along with the McTreats. For an SRP of US$9.99, the eight and up set get three mixes, apple-cinnamon filling, a pie maker, six pie sleeves and, of course, McDonald's stickers.
After chowing down on homemade goodies, kids can practice for a visit to the dentist with the Play-Doh Dr. Drill `N Fill Playset (SRP US$9.99). Complete with toy drill and dental accessories, the playset lets kids ages three and up mold teeth, drill and fill with silver-colored Play-Doh.
Hasbro rolls out Dragon Tales
merch for preschoolers
The first wave of merch for Children's Television Workshop/Columbia TriStar co-pro Dragon Tales is hitting Toy Fair with dragons that light up, hiccup and hatch.
Talking Light-Up Dragon Tales streeted last month with an SRP of US$19.99. Each plush character says five different phrases when kids squeeze its hands and the dragon badges light up.
Hungry Hiccuping Ord, a plush dragon that eats, hiccups and talks when kids feed him dragon goodies, and Babysitting Surprise Cassie street in July with an SRP of US$24.99 each. The Cassie figure comes with a dragon egg containing two baby sister or brother dragons inside (gender unknown until hatch time-that's the surprise). The Babysitting set also includes baby bottles, hair brushes, dragon blankies and birth certificates.
Clifford the big red
singing dog?
After 40 years on the bookshelves, Clifford is finally making his small-screen debut with an animated series launching this fall, and Scholastic Entertainment is gearing up for the premiere with new merch.
Master toy licensee Toy Island of Woodbury, New York is rolling out a Clifford the Big Red Dog Singing Hand Puppet (complete with a Clifford activity book) for an SRP of US$14.99. Next up, a Sing and Dance Clifford the Big Red Dog Electronic Plush includes infrared technology and has an SRP of US$24.99. Both will street in the spring or early summer. Indianapolis, Indiana-based Warren Industries will add to the line with a series of Clifford puzzles and games debuting at Toy Fair.


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Originally we thought of two separate ideas that we could make into short films, the Dog sitter idea and another idea involving a pianist who breaks his hand. After some consideration we decided to make the dog sitter idea. We knew it would be challenging to make but decided to try nevertheless. From the original script the story had changed quite a lot. The original idea was a girl and most of the filming would take place in a train station but that soon changed to a boy and a bus stop. Personally I would have filmed it at a train station and kept with the original idea of it being a girl because I think the audience wouldn't expect it to happen to a girl as much as a boy. The girl was also quite innocent in the original idea which would have made the audience actually care for the character and care that this has happened too her. I also think filming at a train station would have looked a lot better on-screen and made the film look and feel more cinematic.
As an editor of the short film I did come across a few problems. We had to cut a few scenes and shots out, as the continuity didn't work. We also had to cut some out as they didn't add anything extra to the film or story so I felt it would run a lot smoother and keep people more interested in the film if they were not there. I also came across a problem with the sound so we had to use the sound from the camera rather than the sound we recorded.
I thought the product placement shots were very good showing the main character watching Spiderman on television with the beer on the table with a focus pull. I also thought the storyline was good as I personally haven't seen anything like it before. Overall I enjoyed my role in the production of the film and thought it turned out better than I initially thought and expected.


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Two of my favourite sites exposing the bullshit Ponzi scheme that is the Australian economy (aka The World's Biggest Real Estate Bubble) are The Depression and Prosper Australia. Both sites in my useful links and well worth a perusal (unless you are a real estate investor and live near that North African river: Denial).
A recent gem from Prosper:
Don't Buy Now! campaign saves buyers $58,000 in one year
Consider a typical Melbourne first home buyer couple with a 20% deposit ($120,000) ready to buy a home at the median $585,000 a year ago. Instead, they waited.
Their savings:
Melbourne median house prices have fallen 6.1% (ABS) – $35,000
The difference between Melbourne median rents $17,680 (TUV) and interest at 7.46% (WBC) on a $465,000 mortgage (ignoring stamp duty, principal repayments, rates, insurance, depreciation and repairs) – $17,009
Interest earned on $120,000 savings at 5.5% (ignoring tax) – $6,600
"There is a further long-term benefit not included above: the smaller required mortgage would leave an extra $250 per month interest in a buyer's pocket, or $41,000 over a 25 year loan. This money would be available at the buyers' discretion for living expenses or to accelerate principal repayments.
"This is not a cue to immediately buy a house," Collyer warned.
"Prosper expects house prices to fall much further. We repeat our forecast made February 23 of house price falls of at least 15 per cent and possibly 20 per cent this calendar year.
And, the subject of this post, shills, are exposed beautifully in the links from The Depression appropriately titled Vested Interests.
These two articles are a must read:
A toxic mess: vested interests and the real estate industry, and
Urban myths of real estate
The reason is the market is in freefall and you can smell the desperation on the sea breeze. With 22% of the region's mortgages now in negative equity.
RP Data says 6.4% of homes were valued at less than their purchase price in the December 2011 quarter, rising from 4.9% in the September quarter.
Far north Queensland had the highest proportion of mortgages in negative equity, at 22%, followed by the Gold Coast, with 19%.
The Sunshine Coast was in the third spot at 15%.
The area with the lowest amount of negative equity was Loddon, Victoria, with 1.9%, followed by Canberra with 2%.
Brisbane fared the worst among capital cities, with 9.2% of property deemed to be "underwater" in financial terms, followed by Perth at 7.4%
Sydney had 3.6% of properties in negative equity, pipping Melbourne with a 3.5% rate. In Hobart, 6.2% of properties were in negative equity, compared with 5.5% for Adelaide.
I posted this graph not long ago on where Australia sits as we follow the USA (4 years behind, typical!). The post was Australia Now Driving On The Negative Equity Super Highway, Route 1 To Financial Perdition
if you review that post we are now climbing the staircase.
I've updated the graph, big change for just 40 days...
So how are the Vested Interests trying to get more victims via the media shills? Take this article...
Have a closer look at the graph. The horizontal scale (x axis) is skewed, its doesn't reflect reality. It appears that its had a shallow run up, a small dip and is now flat lining.
I've put the data into XL and regraphed into a more appropriate perspective (WTF is an average median anyway? Anyone that wasn't asleep in senior Stats knows that data is represented either as mean (average) or a median (middle value of range))
Good Value . Its well worth a review (if you are exposed to this train wreck - review on an empty stomach).
Cairns is like most regional cities, but I can't quite confirm that because I've never been. My brother lived there for a while and invited me to visit at least seven times, but it seemed a long way to travel to sweat, not everyone thinks the same apparently because Cait Bester, of the Cairns Post, reliably informs us that investors will flock to the city and grind up against as much house as they can in the coming months.An Investor plague? Well obviously a few cognitively challenged souls believed this horse dung and have piled in because in the last 12 months following this sage advice, FNQs negative equity stats have climbed (Cait gets a mention in my October post The Implant ).
Again, a real estate agent has their finely tuned antennae picking up all the right signals and those signals say it's money making time. Why? Because Benny August is fanning some cash - six fifties to be exact...
In Benny's world, commanding legitimacy appears to be yanking out $300 large from the nearest ATM and fanning it for the camera. Now ponder some of the highly respected people who would fan cash for a photo - gangsta rappers, Jersey Shore cast members and yeah, real estate agents. That irritating metallic noise you can hear, that's the bottom of the desperation barrel scraping. As I showed above, real estate agents tend to pull the investor card when attempting to scare up a bit of business. The implication - if you locals don't get in now, all those investors will push up the prices and rent these houses back to you at inflated levels. An even more cynical interpretation - if someone doesn't buy a house now, I'm not gonna make the lease on this X3 next month.
Benny's reasoning for a coming investor plague was quite simple...
"With the share market the way it has been over the last few years, we are now seeing the older and younger generation start accessing their super or taking control of it. They are opting to put their hard-earned funds into something more solid – the good old bricks and mortar."
Not to be beaten, as the aromatic tang of the FNQ RE industry shitting itself permeates the trade winds, there is a most bizarre new direction in the northern rag as The Post (Cait again) and Benny team up again.
Lucky? Lucky you Ben. Lucky you Cait.
2010 'lucky' winners
Now what about those people who borrowed 95% of a Trinity beach property a year ago?
The ones that forked out $10,500 in Mortgage Insurance; $20,000 in Stamp Duty; $13,000 in Deposit (accounting for the $7,000 FHOG or oz-sub-prime grant). That $50,500 is GONE! And as an added bonus, after 1 year you owe $372,500 on a house worth $365,500.
You win. If you followed the 'advice' in the Post and your $43,500 is gone and you owe $5500 more than your house is worth and you pay $12,000 more per year than if you rented. But its just a bronze folks.
2008 'lucky' winners
If you bought in 2008 you get the gold medal. $11,000 in Mortgage Insurance; $21,000 in Stamp Duty; $7,000 in Deposit (accounting for the $14,000 FHOG boost or super oz-sub-prime grant). That $39,000 is GONE! And as an added bonus, after 41 months you owe $375,500 on a house worth $365,500.
You really win. If you have faithfully followed the 'advice' in the Post and your $39,000 is gone; you owe $10,500 more than your house is worth and you pay $15,500 more per year than if you rented. Now THAT is lucky!
The difference between your negative equity mortgage payments and rent is just $576 a fortnight. Imagine having the 'luck' to shred $576 a fortnight AFTER burning $39,000 and if you sold your house right now you'll have to find $10,500 to avoid bankruptcy.
Once the car is sold (and the furniture) do you have $10,500? On the upside, you can buy a bicycle and tent at Big W and get change for $400. No sub-prime in Australia, no sireeee.
Ben, you indeed are...
...having the shills at The Post willingly lure more victims into the trap. More victims of the bullshit artistry.