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In my family, sex was something that just wasn't discussed. I was always too young to think or know about the treasures that hid in the land of this passionate taboo. This was not to say that we didn't talk, we could openly discuss our concerns and beliefs, we could talk about drugs and alcohol but when it came to sex, it was best unsaid. I suspect that part of the reason was that my mother fell pregnant with my older brother at the age of 17 and didn't want us making the same mistakes. Perhaps she didn't trust that we could make responsible informed decisions, assuming we had at least been informed, about anything. For whatever reason, I know it was to protect us in some twisted way but instead it left me with a certain nervousness and fear of sex and an even bigger fear of talking about it.
I first realised this fear when I walked into Sex Ed in primary school and on the overhead screen was a detailed and labelled diagram of both the male and female anatomy. I felt myself turn a glowing red and began sweating as if I had just done 10 laps around the athletics track. There, right in front of us, right there for everyone to see, glowing on the screen was a naked male, with a PENIS.
I felt sick and violated within the first few second of the class, but for some reason I couldn't help but stare right up at it. This was indeed noticed by the whole class and I was teased for months about how the boys should be careful when changing for P.E because I may be around the corner staring at their young and unimpressive members. Sex Ed was hell! HELL! And totally not what I had expected, although the only idea of sex I had was from that time my brother and I snuck into the living room to peek over the couch behind my parents heads, in order to catch a glimpse of Fatal Attraction, which was "strictly not for kids". I thought we would see blood and guts but instead I saw it for the first time, SEX, and it didn't look that bad, in fact I was quite intrigued by all the naked flesh and heavy breathing. It looked passionate and romantic not as horrifying and utterly gross as our Guidance Councillor had explained in detail, in retrospect maybe that was her point.
After my explicit encounter with the overhead penis I tried to keep my distance from boys. Of course the interest was still there but I was afraid that soon enough they would want to have sex, and that would mean a second encounter. I was of course also burdened by my mother who had put the fear of God into me about falling pregnant, after I came home and told her about our interesting lesson at school that day. Once again our family returned to the no sex and no sex-talk policy until my interest in sex was revived after I left home for university around the age of 18. I vowed that I would wait for love so that I could enjoy the celebration of giving my body to someone I cared deeply about.
That time came earlier than expected, I had never planned on waiting for marriage, but I did want to be in love and at the time I thought that I had found that special love, one which was worthy of the golden ceremony. He was very kind and sweet and we had been dating for nearly a year. He was my first serious boyfriend and what made him even more delightful was that he was also a virgin. We had discussed sex, and came close to going that far a few times, but we were both just too nervous. I wanted my first time to be perfect like a scene from a movie, worthy of an Oscar for its intense passion. Sadly what we want and what we get can sometimes be miles apart. Our first mistake was that we were both too drunk to even stand, secondly, he must have seriously underestimated his size because the condoms he bought were too small and after about 30 minutes of struggling he finally got it on. At this point I was half passed out and his poor penis looked like it was choking to death. We went at it anyway, for about 5 or 10 minutes until I couldn't handle the uncomfortable poking around he was doing down there, plus all that effort and flapping around made us both feel quite ill. And that was that. He still rolled over and asked "Did you cum babe?"
Like many women, my first experience was nothing to write home about, in fact I don't think it could ever have been. I had such high expectations of the act that I don't think any man would have been able to match up to it. So what if my first time wasn't perfect, because neither was my second or third, it was still uncomfortable, and we were both still shaky from the first disaster!
In fact it never really got any better for me, I mean the pain went away and it wasn't always as awkward as the first few times, but it just wasn't doing it for me, I was still awaiting this magical thing called an orgasm. And of course as soon as SEX got involved, fore-play went out the window. I began making excuses not to sleep with him because I couldn't even stomach the idea anymore. It was like I instantly fell out of love with him the moment we hit home base.
Inevitably, we broke up shortly after that and I found myself struggling to maintain relationships with men. This confused me for some time; I was beginning to feel really out of place in my own skin. It didn't take long for until I had to come to grips with the fact that I was finding myself becoming more and more attracted to women. I mean, in high school I had a little crush on a friend, but I always thought that was just a weird effect of puberty, plus I had boyfriends up until this point. Suddenly I was dealing with a complete life change, the realisation that I could seriously be gay came out of nowhere. I hadn't woken up that morning wondering to myself if I was gay or not, It didn't even cross my mind, until I opened my mind up to it.
It was a beautiful day and I had made plans to meet some friends at a local bar. We sat on the balcony to enjoy the marvellous sun, where I noticed two girls to the left of us. They were leaning over the railing bathing in the warm rays, giggling about something, and I found myself checking out their bums in their tight little shorts, when they turned to face me and caught me staring. Suddenly I felt like I was back in that Sex Ed class, I couldn't help staring, they were both so gorgeous, glowing in the sun, like the glowing penis on the screen. It was like someone suddenly switched the lights on.
My eyes kept drifting towards them and meeting the eyes of the blonde girl on the right, this happened 3 or 4 times before I really started burning up. I have never felt so restless and anxious as I did that moment, I felt glued to my seat, making eyes at a pretty girl who was making eyes back at me. I imagined myself being part of a horror film where the victim looks down at their stomach and sees movement and then the next thing a creature breaks out. Well I was looking down at my stomach waiting for the lesbian to crawl out. I wanted to scream, "what's happening to me?!", but I didn't because she was walking towards us. Apparently Miss Gorgeous knew people at our table, and we were introduced but I didn't get her name, I didn't care, we just sat silently flirting with our eyes for the rest of the afternoon.
A few months later we bumped into each other and made plans to meet for a drink. The night we met for that drink we ended up kissing, and a week later we were dating. It was really sudden, I went from straight to gay in a matter of a week, but it felt more right than anything else in my life at the time. Obviously I saw it coming but I didn't want to worry about the emotional and mental issues that were banging on the wall of my consciousness, I just wanted to be free and be loved for a little while. It started out exciting and revitalising for me, I felt young and reckless, and ready to conquer the world but it wasn't long before I started having anxiety about having sex again. As a new lesbo I was technically a virgin and that meant that it would be another dreaded first time for me, and lets be honest I was feeling a little rusty. So I worked myself up once again, letting my expectations roll away with me, burning up and sweating like a racehorse! We didn't really plan anything or even talk about it, it just happened one night, and it felt right.
I at first thought to myself, as it was about to happen, that I should have maybe put some more thought into it, or done some research or something. I mean, how do two girls have sex? Technically, biologically, mechanically or however you look at it, two girls cant have sex. I felt out of my league, like I was a 14year old boy with an older woman, fumbling around her body as if this was the first pair of breasts I had seen.
I began freaking out inside, thinking, "I have my own breasts why are hers so scary", not that they looked scary, they were great breasts, I just didn't know what to do with them. The only way I knew how to feel breasts, was feeling for lumps, and that's not a very sexy or loving procedure.
The stress was obviously showing on my face because she just burst out laughing, and then I couldn't help laughing at myself either. In that moment all the pressure was relieved and I discovered how wonderful it was to laugh with my new partner while exploring the wonders of our bodies intertwined. For the first time in my sexual history I had a blast, not only because this was the first time I didn't have to fake an orgasm, but because I felt damn good naked, I didn't worry about the flab on my ass or the cellulite and stretch marks on my thighs, I felt beautiful and confident, because I knew that she had her own cellulite and stretch marks to worry about, and she understood. It was my very first time with a woman and I had a blast it was the first time I actually enjoyed sex, it was better than I could have imagined.
Today I can still look at a man and find him attractive but it's not sexual. I'm not concerned with their prodding and poking "members"; they're too prominent and seek far too much attention. Maybe it was the Sex Ed trauma or the lack of sex talk in my household that has dissolved my interest in men. Perhaps it was just never meant to be, because even when I thought I was interested, I only ever enjoyed the foreplay part of sex with men anyway, and two women having sex is basically a whole lot of fore-play, add a toy here and there and presto, you've got lesbian sex. I joke about these things but its not just about pleasurable sex with women, it's about what was missing for me when I was having sex with men.
I prefer a woman's compassion, tenderness and understanding and the courage to be completely naked with another person inside and out and still feel beautiful in their eyes, but for the most part I just prefer the gentle touch of a woman.


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This post was triggered by another recent post, Two worlds and in between, from Neil Usher (@workessence).
It (this post) is about the power of informal communities, and issues involved in 'harnessing' the energy and insights generated in these self-determining self-managing social spaces to achieve business objectives i.e. to create value for customers and shareholders.
Social dynamics
Organisations are complex entities. You could go down rabbit holes and spend lots of time trying to understand complexity science. Interesting though that is, my understanding of complexity was initially influenced by social psychologists.
People create, and can destroy, value for an organisation and its customers. They do this through their connections, relationships and interactions – by what they do together. Organisations are complex because of this connectedness and interdependence.
Wherever you have people, you have some degree of complexity. That is true even in simple operating contexts. People do not do what they are told. They can act in the interest of the organisation, and they can act in their own interests.
Someone in this short video about complexity, from the Santa Fe Institute, talks about "minds interacting with other minds". These minds come with emotions, attitudes, desires, ambitions, and psychological needs.
How do social dynamics play out in practice? What happens when two or more people come together to "hammer out their differences concerning what's up in the organization, and what to do about it"?
This is where I think things get really interesting.
In Two worlds and in between, Neil Usher tells how Luis Suarez (@elsua) "made a pennydropper of a point for thinking about change – communities share, while teams solve problems".
This really is a fundamental insight.
Dr Marie Puybaraud and I brought a group together in 2009 to explore knowledge management and enterprise social networking. What came through loud and clear from the conversation was that people relied primarily on personal, informal relationships and connections for knowledge and social support.
Marie drew this diagram for the white paper we produced following the event (copyright Johnson Controls, 2009).
The Enterprise side of the diagram is where teams collaborate to solve problems, within the constraints listed. Increasingly though, the space in between is where activity in pursuit of the organisations's agenda takes place – as informal digital communities grow and people in them willingly apply insights generated in these communities to organisational objectives.
The Community side of the diagram, representing the free-wheeling, self-determining, informal, unsanctioned communities where people act according to their own purposes, turns out to be critically important. What happens in these informal communities matters a lot for what happens formally.
Power of informal
Data emerged a few years later that was consistent with what we heard at that gathering. Professor Sandy Pentland and his team at MIT showed, by asking people to wear electronic badges that tracked patterns of communication, that "the best predictors of productivity were a team's energy and engagement outside formal meetings."
Informal communities, digital or in-person, are a big deal. They are where creativity and shared passions are explored. This McKinsey article from ten years ago , Harnessing the power of informal employee networks, acknowledges that:
"in any professional setting, networks flourish spontaneously: human nature, including mutual self-interest, leads people to share ideas and work together even when no one requires them to do so."
The authors go on to say:
"As we studied these social and informal networks, we made a surprising discovery: how much information and knowledge flows through them and how little through official hierarchical and matrix structures … we concluded that the formal structures of companies, as manifested in their organizational charts, don't explain how most of their real day-to-day work gets done."
This article is ten years old now. It bothered me then, and it still does. My reading of it is that the authors thought that informal communities "flying under management's radar" and "eluding control" is problematic.
It is obviously of great benefit to the organisation if people in these communities could share their insights more widely. There are things that organisations can do to encourage this. But while informal communities can be nurtured and encouraged by formal performance systems, attempts to control spontaneous, self-directed communities would be – I think – unwise.
Increasing social complexity
There are many reasons why work is becoming more socially complex but a look at just one trend – open workforces and some of the forces driving it – is enough to illustrate.
Organisations are connected through networks of contractual arrangements. For example through businesses providing and receiving services from each other in supply networks, outsourcing, or collaborative partnerships sharing expertise, sharing risks, or sourcing capital. These trends have been on rise for some years now. Think about the agile networks of supply networks needed to support fast fashion. Add to the picture industries integrating to generate new products, or make familiar products more complicated (think the extent to which cars have become computerised)
Another source of openness is the gig economy, which is on the rise: employment arrangements that include a mix of permanent, fixed term, and freelance contracts.
This fluid, kaleidoscopic workforce has implications for how work is managed, and how workplace relationship form and are sustained. The trend increases social complexity, as fluid relationships and interactions reach across organisational boundaries.
I sense increasing social complexity is particularly impacting people in operations. It is no longer just senior executives that need to develop skills for thinking and acting in complex contexts.
There are three consequences, that I can see:
People will need to update their skills to reflect increasing complexity, and learn to adapt as work evolves.
As before in the previous shift from traditional manufacturing to customer-focused, process-innovation approaches, businesses will need to innovate how they mobilise and coordinate the connected knowledge, capabilities and experience of their increasingly open workforce.
They will also have to pay attention to how performance is supported.
Facilitating the space in between
I've been interested for a long time in formal performance systems that generate conditions where people can effectively work together to create value for a business and its customers.
The Purpose and Performance elements in the diagram below are widely-recognised elements of high-performance work systems, and process-innovation approaches like quality and lean. These centre around customer-focus, innovation as everyone's business, plus problem-solving and learning sewn into everything the business does.
These things coincide with what people apparently need from work. If the social psychologists, Edward Deci and Richard Ryan are right, in general that is autonomy and developing competence in things that we care about.
For those responsible for shaping performance environments, this means trying to understand how others see a situation, supporting their explorations, encouraging them to have a go at doing something, making sure people have choice in what they want to do, and how they do it, plus making sure that they have the resources, time and space.
Facilitating the space in between means understanding what people need to get on with creating value for customers and shareholders. There's plenty of existing research and insight on what that is. It might be being largely ignored but that's another matter.
Recognising and accommodating the power of informal community is critical in that effort. There's a much longer way to go on understanding how to do that, I think.
Supporting community
The third thing that Deci and Ryan say people need is relatedness, which is being connected, feeling a sense of belonging and being cared for. We are back to the power of communities, Luis's observation that "communities share, teams solve problems", and the fact that people share and cooperate in communities for a variety of self-determined reasons.
How could formal systems support these informal communities?
They could nurture and encourage them (digital or in person) by giving people tools, time, opportunity, space and place to play with ideas. In Pentland's MIT research, mentioned earlier, this meant something as simple as recommending that management of a call centre in a bank ensured that team members all took their breaks at the same time.
Developing future-focused skills
The executive summary of the WEF Future of Jobs report notes that education systems will have to be re-thought in the longer term, as the so-called fourth industrial revolution unfolds. Meanwhile those of us outside the constraints of higher education institutions can offer innovative ways of developing skills.
The approach I've been developing is about doing something and learning from it. Based on practical experiments and finding things to do that people care about, experiments are supported by a range of simple tools, topics (create your own 'curriculum'), resources, a learning facilitator, and a community of peers:
Diagnose – what's happening?
What trends are affecting the business (or are likely to)? How might this affect how things are currently done?
What could be adapted, improved, dropped, tried for the first time?
The aim of this exploratory phase is to get a 'big picture' view that will spark ideas for possible things to do.
Do something – what's feasible?
Learn how to choose an experiment, plan it, do it, and review it as you go.
Reflect on the experience, using the Skills Grid to monitor and map.
Develop – what's next?
What are your options for the next experiment?
This approach to skills development has several advantages:
Experiments are facilitated in short bursts. Small steps mean that people can succeed or fail fast, learn, adapt and repeat.
People choose to do something they care about – the futurist, Ray Kurzweil, call these 'passion projects'.
Short bursts give people the opportunity for more frequent recognition and opportunities to celebrate (and even to show off a bit).
The experiments are an opportunity for people to shape the performance systems that they use to support them in what they do – if that's what people care about.
Mastery takes time and practice. This approach enables skills development at a pace that suits individual people.
Activities on the 10-week programme are completed individually, with colleagues in the workplace, and with peers online. Community builds as people share and get too know each other.
The approach is one way in which learning communities can be nurtured through a facilitator who acts, with a light touch as a coordinator (on the Goldilocks principle of 'just enough'), ensuring that everyone has the support and resources that they need.
One of the roles of the facilitator could be to ensure that insights from the community (subject to confidentiality, and with permission) are fed back into into the wider organisation, celebrating and recognising achievements, and sharing learning on why something succeeded or not.
I didn't set out to facilitate the space in between Enterprise and Community. Neil's post has made me realise that is exactly what I'm try to do. The power of a blog post in shifting focus 🙂


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On a surprisingly sunny and warm day, as summer began its first turn toward fall, a group of women gathered on the grass overlooking woods extending around them in every direction at Willow River State Park for a session of outdoor yoga.
Some were first-timers, some were regulars who had already hiked, kayaked and more, a couple came with friends and a few came alone, for the Women in the Parks event.
The program is designed to be a comfortable environment for women to get more experience outdoors with other women.
"We know that there's women in the area that want to come to the park but they might feel intimidated," said Ash Goldbeck, one of the program's organizers.
Classes are open to women of all skill levels and experience, and do not have an additional fee.
"We wanted to make it flexible so that anybody could come," Goldbeck said.
In the monthly classes, organized by Goldbeck and Melissa DuPont, women learn how to read a map, compass work, archery and more.
"Each month we have something awesome," Goldbeck said. "It's not your average weekend program."
Classes are casual and friendly, Goldbeck said, creating an environment for the women to learn and get to know each other.
"None of us knew each other when we first got here and now it's comfortable and it's fun," Goldbeck said.
Karen Francisvovic is new to the area, and joined the program to get to know more women. She was hoping to find people to hike and explore with, who had similar interests.
The first class focused on wilderness safety training, and gauged the women's comfort level outside. They were asked how they would feel if they were dropped off in Willow River State Park if left for a day, or for a night.
"I want the girls to feel comfortable outside," Goldbeck said.
Lisa Drury attends the classes with a friend, and enjoys meeting other women and being outside. The classes have exposed her to some activities she's never tried before, like September's yoga session.
"I like that they kind of pull that out of you," Drury said.
The women involved are trained on tools and techniques to not only be able to visit places like Willow River State Park, but to also follow the "leave no trace motto" to have minimal impact on the outdoors.
"To do it respectfully," Goldbeck said. "When you leave, make sure you leave no trace."
The outdoors can be a relaxing escape, and for those who do not feel comfortable in it, or do not have an area like Willow River in their backyard, this program gives them that experience.
"It can really change your whole outlook on everything," Goldbeck said. "It helps with a lot of things."
The year-long program originally required participants to sign up for the whole year's worth of classes, but Goldbeck and DuPont decided to open it up so anyone could come to any of the monthly events.
"We didn't want to make it limited," Goldbeck said.
Now women can come when a class interests them.
Each gathering also has a prize drawing, provided by supporters like Cabela's, Scheels and Sierra Trading Company.
Women in the Parks is run through a grant from Allina Health, and Goldbeck hopes they'll be able to continue the program next year.
The program will continue to reach out further to women who may not have the opportunities to explore the outdoors, Goldbeck said, as well as those who want a chance to gather and enjoy it.
The next Women in the Parks class will be Saturday, Oct. 6 with a hike at Hidden Falls at Kinnickinnic State Park.


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This photo taken last week. We still have a little bit of snow in the backyard, just enough for the kids to play but this week, the snow starting to melt and the little snow hill we made last week already melted so we never get a chance to go and play outside. This coming Tuesday and Wednesday it said, we will have more snow in the Valley so hopefully the snow will file it up again that way we can build another hill for the kids to play for their sled. I just hope it won't get so cold this week because I don't like it when the temperature drops down to zero hehe :-) but will see...
Monday, January 30, 2012
roller chain
I never seen my husband rode his bicycle before. I am not sure if its still working or not. I think it still work but maybe it needs air on the bikes wheel because it seems flat and needs air. We check the roller chain and it seems fine. This summer, he said we will go for a family bike ride. Since I don't have my own bicycle, we are planning to get one this spring time I guess. The kids have their bike, we bought it last year at Walmart. If ever we will have problem with the roller chain, at least we know where to buy it because reidsupply.com have every type of chain in stock. So when it comes to roller chain and links, visit reidsupply.com.
Wednesday, January 11, 2012
trade show displays
Business is kind a tricky, you need to work hard to it to become successful. It's not easy because you never know if your product will click to the consumer or not. Maybe you need to do more research to it or maybe you need to step up and let everyone know about your product. The best way to do is to exhibit your business.
Trade show is a great marketplace for finding targeted audiences. This way you can show and demonstrate your product. So when it comes to trade show flooring, trade show carpet, logo mats, logo canopy and anything you need on your trade show exhibits, you can get them all at camelbackdisplays.com. They have everything you need on your exhibit displays because camelbackdisplays offer the largest variety of trade show displays and exhibit booths in the market with many custom options. There are a lot of exhibit booth displays to choose from so its up to you to choose the right one that meets your business needs. So what are you waiting for? Show off your displays and let everyone knows what your business is all about.
Sunday, January 1, 2012
Welcome Year 2012!
I am welcoming the year 2012! We are so happy that we got the house we like. Our moving work out pretty good. I'm done unpacking all the stuff and we started getting to know people in the area. We just invited a couple of friends from our congregation and we had them come over for dinner. We had great time, since they have two kids also, two boys a 1 year old and a 2 year old. My kids Dana and Dustin having a lot of fun. We wish that this coming 2012, will be a great year to us. I am still hoping that we can visit my family in the Philippines this year. So to all bloggers out there, thanks for all the visits and hope you will have a great year also this year 2012! Happy Blogging everyone!
Looking for a tropical fish
In this small town of Monte Vista, they don't have great selections for tropical fish. We already look in this town but it seems like they don't have pet store in the area. We look in Alamosa but they only have one pet store up there, they don't have so much tropical fish. Well, they have couple but they are not pretty good and some of their fishes are look sick. I guess we need to drive to Pueblo tomorrow and look more tropical fish. We only have two fish left in our aquarium and we need to add a little bit more, maybe 8 more fishes to make it to 10. Will see, if we can find more fishes that is not too expensive in Pueblo.
Staying at home
Guest post from: Constance Rodgers
Staying home alone with the kids was always what I wanted to do, but when my husband started having to go out of town for business I thought it might be a little more than I bargained for! Those first few nights at home alone were pretty much terrifying…every little noise and bump made me jump out of bed and run into my sons' room. Eventually I had to go to my neighbor's house and ask him if he would sleep in the guest room! (He's a former Navy SEAL…) My husband heard about all this and thought the whole thing was ridiculous. He immediately went to look at flushing home security and looked into a security system and he bought me some mace to keep in the bedroom. We beefed up the locks and I must say, I do feel safer now sleeping in my own house, which is a good thing! I can't believe I made such a big fuss as a grown woman but when you're scared, you're scared and there's nothing you can do about it!
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Archive for April 2010
Greek Elites whack Greeks over Crisis
From The Daily Bell
Originally posted Friday, April 30, 2010
Greek minister says pension reform part of a package of austerity measures to clinch a three-year, multi- billion-euro aid deal, a Greek minister told the FT on Thursday. Andreas Loverdos, social affairs minister told the Financial Times the measures included dropping the seasonal bonus for pensioners in a bid to slash Greece's bloated budget deficit. "The timetable for the pension measures is still being debated, but there isn't much room for manoeuvre – this is about saving the country from collapse," Loverdos told the FT. Union officials told Reuters on Thursday the International Monetary Fund had asked Athens to raise sales taxes, scrap bonuses amounting to two extra months of pay in the public sector, and accept a three-year pay freeze. Other measures in the 24 billion euro package include raising the retirement age from an average of 53 to 67, the FT said in its Friday edition. – Financial Times
All kidding aside (and it is truly a sad situation), we think the way that the European and Greek elites are handling the crisis proves our points not only about power-elite manipulations generally but also about how the free-market simply cannot be ignored. It will always have its way sooner or later – and people will suffer as a result, financially from the thwarting of its will, usually innocent people.
In this case, it is average Greeks that are going to suffer. But we sure do wonder how the elite organizing the Greek fiscal retrenchment believes that those who are going to pay for it are going to submit without a murmur. The Greeks are not in any case a quiet people, culturally speaking. We've pointed out on numerous occasions that the Greeks are not necessarily profligate; that they have not "had their fun" (and now must pay for it) as an anonymous German recently put it in an article reporting on the mess.
No … what happened was something else entirely. Investors, especially, who are trying to figure out what the heck is going on in Greece, and in the larger European Union, will need to be aware of what is taking place in the important subterranean cultural conversation that is not being reported in the mainstream media. They will need to understand what is being written on the Internet's blogosphere and what is being muttered over ouzo on the porches of people's houses where they gather to discuss the reality of what is being demanded.
The perceptive readers of the Bell (and other alternative publications) know that the entrance of the Greeks into the EU, and the largess that flowed as a result, did not reach the pockets of the average Greek. In fact, the EU exercise was likely one of legalized bribery. Money that was given to the EU to supposedly close budget gaps went to furnish numerous unnecessary private projects. The money was wasted, in a sense, as the projects weren't completed and wouldn't have helped generate a profit if they had been. The EU leaders providing the money knew this. But they didn't care so long as Greece joined the union.
How much is needed to bail out Greece? $159 Billion? $794 Billion? Estimates vary wildly as Greece turns Viral
by Mike Shedlock
Originally published April 28, 2010
PRESSURE IS ON GERMAN CHANCELLOR ANGELA MERKEL TO DO SOMETHING. European Central Bank President Jean-Claude Trichet is in Berlin along with the IMF to arm-twist Merkel. Meanwhile, German citizens want no part of a Greece bail. European Central Bank President Jean-Claude Trichet is on a diplomatic mission to Berlin as Germany's reluctance to bail out Greece helps fan a fiscal crisis now burning around the euro region's periphery.
Jean-Claude Trichet and International Monetary Fund Managing Director Dominique Strauss-Kahn will brief German parliamentary leaders in Berlin around noon today about the $60 billion aid package for Greece, which has met with opposition in Europe's biggest economy. The joint European Union-IMF package would require Germany to stump up the biggest individual loan to Greece.
"It's a sales pitch in front of an audience that needs it," said Jacques Cailloux, chief European economist at Royal Bank of Scotland Group Plc in London. "The lawmakers probably need it spelled out that this is not about financing luxury pensions in Greece. Not helping Greece will unfortunately have a direct impact on the euro-area economy and German jobs."
"Why do we have to pay for Greece's luxury pensions?" Germany's biggest-selling tabloid newspaper, Bild Zeitung, asked on its front page yesterday. Almost 60 percent of Germans don't want to help Greece, Die Welt newspaper reported, citing a survey of 1,009 people. German Finance Minister Wolfgang Schaeuble asked Trichet and Strauss-Kahn to speak with lawmakers to "facilitate direct insight into the actions as they stand."
Analyzing the Real Greek Failure
From The Daily Bell
Originally posted Thursday, April 29, 2010
"GREECE HAS LONG LIVED BEYOND ITS MEANS AND SPENT MUCH of the last two centuries defaulting on its debts. Joining the euro was meant to put an end to all that. However, it merely seems to have exacerbated its problems. It was no surprise to any economist that the European Union, at first, refused to allow the country to join the euro when the new currency started in 1999. Quite simply, its debts were too high and inflation was out of control. By 2000, the EU finally allowed it to join, though there were suspicions at the time that Greece was operating a "limbo dance" – squeezing its figures to hit the stringent euro criteria, only for them to flip back to dangerous levels once it had entered.
"Indeed many believe Greece simply lied about its figures to gain entry. At the time its inflation was 4 percent, much higher than the European average, and was suffering from one in ten people out of work – a higher figure than currently in recession-hit Britain. By joining the euro, however, it suddenly enjoyed substantially lower interest rates, because it was able to borrow in euros." – UK Telegraph
Free-Market Analysis: The Daily Bell covers dominant social themes, and one of the biggest such is the presentation of nation states as people. Of course, we're guilty of this too because it's hard to cover world events without ending up writing "The U.S. did this … France did that … the EU did the other thing." It's a kind of short-hand. But where it gets you into trouble is when you start to speculate on motives and offer up analyses that feature national behavior.
Of course, this particular power elite dominant social theme demands such nomenclature. Writing that nation-states make decisions, rather than individuals, is a mild form of brainwashing in our opinion. One soon gets the idea that the nation-states represents its people, and that those at the top of the state are entitled to speak – and make decisions – for everyone else. Thus it is that artificial geographical regions somehow become anthropomorphicized.
The article excerpted above falls into this pattern, in the sense that it attempts treat an economic problem as a national one when – from our point of view – the analysis, while cogent, ought to be applied more narrowly. We're not sure that Greece, anymore than Spain or Portugal, etc., spent beyond its means as a whole. What we are inclined to suggest is that the elites running Greece did so, and had a reason to do so. Here's some more from the article:
"Whereas during the 1990s, Greece frequently had to pay out 10 percent or more (18 percent in 1994) to borrow money, its rate fell dramatically to 3 percent or 2 percent. Ben May, Greek economist at think tank Capital Economics, said: "Their mistake was to go out, borrow money and use it to fund huge wage growth, rather than pay down its already substantial debts."
"Greece went on a spending spree, allowing public sector workers' wages to nearly double over the last decade, while it continued to fund one of the most generous pension systems in the world. Workers when they come to retire usually receive a pension equating to 92 percent of their pre-retirement salary. As Greece has one of the fastest ageing populations in Europe, the bill to fund these pensions kept on mounting. …
"Tax evasion, endemic among Greece's wealthy middle classes, meant that the Government's tax revenues were not coming in fast enough to fund its outgoings. Hosting the Olympics in 2004, which cost double the original estimate of €4.5 billion, only made matters worse."
Maastricht madhouse fuels EMU-wide contagion from Greece
by Ambrose Evans-Pritchard
Originally published 25 Apr 2010
IF THE CHIEF PURPOSE BEHIND THE EU-IMF bail-out for Greece – or for banks exposed to Greece – is to prevent a "full-blown and contagious sovereign debt crisis", the market verdict must be a sobering surprise. The relief rally fizzled shortly after Greece folded its bad poker hand and invoked aid. Bond risk as measured by Markit's 5-year credit default swaps jumped to fresh records of 280 for Portugal and 177 for Spain. Irish CDS contracts rose 13 points to 185.
This was an entirely logical response to the twisted events that are unfolding. The rescue obliges countries in trouble to go deeper into trouble. Portugal must come up with €774m as its share of the EU's initial €30bn package. Ireland must find €491m, Spain €3.7bn. Yields on 10-year Portuguese bonds hit 4.94pc, a whisker shy of the 5pc rate that Lisbon must relend to Greece. Meanwhile, safe-haven Germany can borrow at just over 3pc. The bail-out cost falls hardest on those that can least afford it. It deepens the North-South divide that lies at the root of Europe's crisis.
In a rational world, Brussels would tap the EU's AAA rating to issue cheap "Barroso Bunds" to cover rescue costs. But we are not in a such a world. We are in the Maastricht madhouse, a currency union without a treasury, ruled by the "no bail-out" clause of Article 125 of the EU Treaties. Europe is at last paying the price for fudging the true implications of EMU 19 years ago in that Medieval city on the Maas, gambling that it would one day be able to lead Germany by the nose into a debt union. Chancellor Angela Merkel continues to equivocate, demanding "very strict conditions". Dissent is growing louder in her coalition ranks. Both Free Democrats and Bavarian Social Christians have said it is time to break the taboo and ask whether Greece should "step outside" EMU. Werner Langen, the leader of Christian Democrat MEPs, said the bail-out appears to breach Germany's constitution.
If so, we will find out soon. Four professors will launch a legal challenge in early May at the Verfassungsgericht (high court). Should they secure an injunction, EMU may fly apart. The Court ruled in 1993 that Maastricht was constitutional only as long as EMU remains an area of monetary order. "A 'transfer union' is a bottomless pit and is bound to threaten currency stability. That is what we are going file," said Tübingen Professor Joachim Starbatty.
When accused of consigning Greece to ruin, he told the Frankfurter Allgemeine that EMU exit and default is Greece's only salvation. "The truth has to come out into the open. Greece is in no position to pay it debts," he said. The EU-IMF "therapy" of deflation for Greece repeats the catastrophic errors of Chancellor Heinrich Bruning in the early 1930s and must lead to a depression, he said.
Yet that is what IMF chief Dominique Strauss-Kahn is preparing for Greece, against the better judgment of his own experts. "Greek citizens shouldn't fear the IMF; we are there to try to help them," he said over the weekend. Yet a week ago he told Greece that devaluation and default are non-starters. "The only effective remedy that remains is deflation. That will be painful. That means falling wages, and falling prices. There is no other way." Actually, the IMF pursues other ways often, last year in Jamaica. What Mr Strauss-Kahn means is that the EU will not tolerate any other way. The Greek people must be sacrificed for the Project and to hold the EMU line, like the Spartans of Thermopylae who perished to gain time for the Alliance.
They are to squeeze fiscal policy by 6pc of GDP this year in a slump – a "death spiral", warns George Soros. They are to do this without the IMF's devaluation cure. If they do stabilise the debt – to hit 130pc of GDP this year after Eurostat's revelations – they will be left paying 6pc to 8pc of GDP to foreign creditors for ever. Will Greeks comply meekly, or turn their Spartan blades on Europe?
No country in Western Europe has defaulted since the Second World War. More than €7 trillion has been lent to Club Med states, banks and homeowners in the belief that it cannot happen. EMU shut the warning signals, disguising risk. What investors overlooked is that currency risk mutates into default risk in a monetary union. It makes default more likely, not less. The bond markets have suddenly twigged.
In barely two weeks, the City mood has shifted from ruling out a Greek default as absurd, to accepting that it could happen, to now fearing that restructuring is highly likely. A country such as Portugal with total debt of 300pc of GDP, a current account deficit of 11.2pc, and a budget deficit of 9.4pc should not think it has the luxury to trim spending at a leisurely pace. Portugal has an ugly choice. If it tightens hard to soothe bond markets, it too risks depression. EMU's Faustian Pact is closing in.


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Rose & Crown extension opens
The Rose & Crown has unveiled its new extension, a non-smoking room and conservatory in a contemporary style.
The new extension takes in the former pool room, storage area and part of the pub yard (or beer garden). Comfortable seats and low tables are joined by a rather unusual feature - a deep well. The well was uncovered during building work and has been left as is, with a clear perspex lid so that customers can look down.
Pool has been replaced with bar billiards.
Rose and Crown publican Tom Page says "We wanted to create a new space at the pub to attract a wider range of customers. We hope that the light airy non-smoking atmosphere will encourage families. Children are welcome at the pub from midday til 8pm and it's especially easy for parents with buggies to come through the courtyard gates. Although we don't serve food, packed lunches can be brought in and the pub serves drinks for children, as well as teas and coffees. We also laid out the space in the extension so that there are separate areas - good for informal meetings and gatherings. We're happy to set aside an area at no charge, if someone gives us a bit of notice."
Richard Fairhurst · Sat 9 Jul 2005, 11:17 · Link


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At Southmead, both the teachers and pupils love reading! Our library is packed full of interesting books to suit all ages, abilities and interests.
The Library is open every lunchtime for children to change their reading books as well as a place to come and relax and read with friends.
Once a week we have a Library Club after school, their reviews and recommendations help the rest of the school choose their next text.
Our Librarians are in the library each day to help you choose the right book for you.
In our outside area, reading is as much a part of the environment as it is inside. We have a reading shed which has a huge range of books to read in comfort, whilst listening to our much loved chickens. They love listening to us reading too!


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It was nearly impossible for Bob Cratchit to stay warm at the office. His "master"—Ebenezer Scrooge—severely restricted the coal which Cratchit could use for the fireplace.
In the full text of "A Christmas Carol," we learn that Bob's working space is so small it's like a "cell" or a "tank."
For an American-published version of the Scrooge story, Sol Eytinge created a wood engraving which depicts Cratchit trying to stay warm. The image, depicted above, illustrates this passage of the full text:
The door of Scrooge's counting-house was open that he might keep his eye upon his clerk, who was in a dismal little cell beyond, a sort of tank, was copying letters.
Scrooge had a very small fire, but the clerk's fire was so very much smaller that it looked like one coal. But he couldn't replenish it, for Scrooge kept the coal-box in his own room; and surely as the clerk came in with the shovel, the master predicted that it would not be necessary for them to part. Wherefore the clerk put on his white comforter, and tried to warm himself at the candle; in which effort, not being a man of a strong imagination, he failed. (From "A Christmas Carol," Stave One, "Marley's Ghost.")
Click on the image for a better view.
Image entitled "In the Tank," scanned from Dickens, Charles. A Christmas Carol — A Ghost Story of Christmas. Il. Sol Eytinge, Jr. Boston: Ticknor and Fields, 1868. The illustration appears at page 14 of the referenced work.
The image was placed online, courtesy Victorian Web and Philip V. Allingham, Contributing Editor, Canada; Associate Professor, Lakehead University.


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An outdoor fireplace enables homeowners to enjoy their yards even in cooler months and can be an excellent landscaping investment. Fire features can be premanufactured or custom built to suit the homeowner's landscaping plan.
Fire pits. Fire pits are contained areas used to build an open fire. Available in wood- or gas-burning options, fire pits can be built-in or portable. They can be finished in a variety of materials, most commonly concrete, stone, or brick. With no side enclosures, a fire in a fire pit can be enjoyed from any angle.
Built-in fireplaces. Built-in fireplaces are full-scale fireplaces with a hearth and chimney. A built-in fireplace can provide an outdoor entertaining area with the coziness of an indoor living space. A sturdy, permanent feature, fireplaces are usually constructed with a steel frame. Common finishes include brick, tile, stone, or concrete.
To learn more about us and the areas we service, please click here, or feel free to contact us. Our customer service Help Desk would be happy to answer any questions that you might have.


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Date: 11 March 2017, Saturday
Time: 9am – 6pm
Venue: U-Town (Stephen Riady Centre Level 1, Multi-Purpose Sports Hall 1)
Despite the sudden heavy downpour in the mid afternoon of last Saturday, it was heartening to see a steady stream of prospective students coming by to speak to us to know more about pharmacy as a possible degree programme to enroll into.
The talk sessions on A "Pill-grimage" for a different tomorrow, presented by our Deputy Head of Department (Education), A/P Ho Han Kiat, also had an overwhelming attendance. Click here to view the presentation slides.
A big thank you to all visitors for your support and our staff for your contribution in making this a successful event!
See you next year!


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1-800-Flowers disappoints hundreds on Valentine's Day
Hundreds of customers across Long Island and the country have flooded social media with complaints about missed or delayed Valentine's Day deliveries from Carle Place-based floral retailer 1-800-Flowers.
Customers were left wondering where their floral arrangements orders were after their sweethearts were left bouquet-less on Valentine's Day. So, they took to 1-800-Flowers' Facebook and Twitter feeds with stories about delayed gifts after hours of waiting on hold for a customer service representative.
Disgruntled customer Christopher Brescia, of Glen Cove, also took to Twitter Saturday with his complaint about late delivery. Brescia said he ordered an assortment of flowers for $48.14 on Feb. 8 for his mother in Lynbrook, who suffers from dementia. The delivery date was changed from Valentine's Day to today, he said.
"I wanted her to have her flowers on the 14th," Brescia said. "They failed me and they failed my mom. I am disappointed in the brand. I am not going to use them ever again."
The company, which advertises a "100% Smile Guarantee," has been responding to customers on Facebook and Twitter, telling them to direct message their order number and customer and recipient information.
"Due to the weather issues we experienced, wait times are longer than we would like," 1-800-Flowers said in a Facebook post Saturday.
1-800-Flowers cannot guarantee delivery on major floral holidays like Valentine's Day and Mother's Day due to high order volume, according to its website. The company fills its orders through a network of florists and through drop shipments.
Yanique Woodall, spokeswoman for 1-800-Flowers, said the complaints on social media reflect a small percentage compared to tens of thousands of arrangements that were delivered on time despite weather conditions nationwide. The complaints on Facebook or Twitter demonstrate the new way customers prefer to communicate with companies.
"We're a transparent company," said Woodall, adding the company's customer service team is working around the clock.
"We encourage our customers to reach out to us through different channels and social media."
We're revamping our Comments section. Learn more and share your input.


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The library lingers in the somnolent air of the afternoon.
This morning the reading room and corridor teemed with patrons.
But now there is a melancholy stillness and time slows.
A custodian mops the empty halls in the yellowing light.
The Mid-Manhattan Branch, built in the eighties, strikes a clanging
note of late-century efficiency, crumbling plaster board and meal-colored carpet.
Weirdest is the track lighting, reminiscent of a motel lounge.
The Central Library is a stately palace that bespeaks majesty;
the individual dwarfed by the nobility of blue-gray marble columns
and copious gilt-framed portraiture, by the gewgaws of carved walnut.
Paraphrases from the novel The Laws of Our Fathers by Scott Turow.


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Age: 27 | Height: 165 cm | Capricorn
Debut date: 06 Feb 2017
Total shoots: 1
46m 47s / 1 video clips
285 images in 2 image sets
Before the Shoot :
So excited 4 my first Abbywinters shoot ! Can't wait to get flirty w some fruits & veggies. Don't know what to expect but it will be super FUN !
After the Shoot :
Thank you for such an amazing experience. It took a while to get used the camera but once I got in to it there was no stopping me. I love playing w my food ! Can't wait to see the end result.
Dion D for Abby Winters


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Zeta Clear Toe Fungus
Could there be a manufacturer of a hassle taking off your shoes and socks as they can be easily bruised. The fifth treatment is a regular basis. So distal subungual: this is one of the nail surface. Infections caused by wearing an open door for germs. One of the dermatophytes group. If nails are seen.… Read More »


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An introduction to www.internetbroadband.in
broadband setvices
Hello Everyone! Nice to see you here. This is Gurwinder Singh, Author and Editor of www.internetbroadband.in blog.
I started my career journey through learning and working together in the lane of broadband internet services in 2006 year. Today it's my good luck that I'm online and approachable to thousands of internet users. It's affection of my client's that they consult me each time, they need assistance in finding broadband internet service network. It's my duty to guide my audience honestly and properly. Irrespective to business benefits I prefer a better advice when anyone approach me to get broadband internet service related query.
www.internetbroadband.in help you to Get wireless internet & wire-line broadband solutions for home or commercial use. Here our team provide you best deals, while you are thinking to hire an internet service provider. Currently we deals in Chandigarh and Punjab regions only.
I'm thankful to you for your Kind visit. It is always my effort to show latest updated information on available offers, schemes, coupons, Local tariffs etc. from various broadband internet service provider companies Like : Airtel (Broadband/ 4G WiFi), CONNECT videocon (DSL/ WiMax/ FTTH), Tata photon plus, Docomo 3G max wi-fi (dongle/ Data card), IDEA 3G postpaid, Reliance (3G net-connect/ Broadband), Vodafone 3G YPT & some other Local ISP companies. Our service areas are Amritsar, Mohali, Chandigarh, Ludhiana, Panchkula, Zirakpur, Kharar, Jalandhar, Patiala, Bathinda.
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Please share www.internetbroadband.in on google plus, facebook and other social networking websites. This will help us to grow and shine.


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After a hectic and worrisome summer, the Phoenix Coyotes came into the 2009-2010 season completely revamped. With a new coach, Dave Tippett, and a new owner, the Coyotes have remodeled their roster, acquiring fourteen of its 25 players in the year 2009.
The new roster has proven to be a successful change, as the Coyotes with 45 games played sit fourth in the Western Conference with 26 wins, and 56 points. They are on pace to shatter the Phoenix Coyotes franchise record, of 95 points (achieved in the 2001-2002 season)*, with a total of 106 points. If the Coyotes want to establish the Coyotes fan support in Arizona, they will need to make the playoffs—and ideally, win the first round. Through half the season, the Coyotes have proven they are a new, rejuvenated team (average age of team is 27.8 years) that can win.
Though attendance has not been outstanding this season at Jobing.com Arena, the Coyotes have posted a great home record (16-6-1), and fared decently on the road (10-8-3). Hopefully the days of 5,000 fans in attendance are gone, as they will need the support to continue winning.
Though the Coyotes dropped their home opener to the Columbus Blue Jackets (2-0), bringing back the White-Out showed how great the momentum and energy can feel when the Coyotes play in front of a nearly sell-out crowd.
The recently larger crowds however are not the only reason behind their success.
Tippett, an ex-Dallas Stars head coach, brought a new look to the way the Coyotes play hockey. Wayne Gretzky, though an amazing player, was not the man to help the Coyotes make the playoffs. In Gretzky's four years coaching since the lockout, the Coyotes finished 12th, 15th, 12th, and 13th in the Western Conference.
Their highest point totals reached 83 points in 2007-2008, but Gretzky was never able to bump the Coyotes into the playoffs. Tippett brings a defensive game to the Coyotes, backed by strong goaltending. He has proven thus far that his defense-first, offense-second strategy has been successful. The goaltending of Ilya Bryzgalov and Jason LaBarbera help Tippett's defensive team philosophy, while the offense has not slowed down.
The Coyotes claimed Bryzgalov, a goaltender who previously won a Cup with the Anaheim Ducks, off waivers in 2007. He instantly succeeded with the Coyotes, playing in 55 games (and winning 26) in his first season.
This year is proving to be an even better season for Russian. He has 23 wins in 38 games with five of those coming by shutouts, typing him for first in the league for with Martin Brodeur and Ryan Miller. His goals against average, 2.08, has him in third out of forty-seven goaltenders. Goaltending has been one of the biggest issues for the Coyotes over the years, but Bryzgalov looks to change that.
Recently Shane Doan played in his 1000th NHL game, all with the Winnipeg Jets/Phoenix Coyotes franchise. The youth of the team has rejuvenated the thirty-three year old, and his leadership ability has soared. His experience speaks for itself, his point totals haven't been outstanding in the past, but he has become the reliable, clutch player the Coyotes were hoping he would develop into when they drafted him in 1995.
The veteran sits currently tied with Scottie Upshall with 3 game winning goals. After posting a career high in goals last season (31 goals), it looks like Doan will finish with less goals than that, but fortunately, the Coyotes are no longer relying solely on him for production.
In March of 2009, the team traded Daniel Carcillo to Philadelphia for Upshall and a 2011 draft pick. Carcillo was a fan-favorite in Phoenix for his grit, energy, and dedication he gave to the franchise. The trade seemed ridiculous to both fan bases in Philadelphia and Phoenix; neither have played in a full NHL season as of now, but Upshall had never scored more than 14 goals in a year (in 61 games), whereas Carcillo, an enforcer, had scored 13 goals in 57 games in 2007-2008.
Nevertheless, the trade has proven to be a smart move for the Coyotes. Having played in 41 games this season, Upshall has already tied his career-high in goals, and is six points behind his career-high of 30. He is having a career year and seems to be finally playing to his ability under Tippett**. At only26-years-old, Upshall should have many great seasons left in him, however the left wing will be a restricted free agent at the end of the season.
Another addition in the past year, Matthew Lombardi, has been producing and adding another punch to the offense. He is on pace to finish six goals short of his career high, but his total point total (26 at the half-way point) is on track to become a new career high. Lombardi is an unrestricted free agent next season however, and the Coyotes must look to resign him.
Fortunately for the Coyotes, they have not been hurt by too many injuries this season. Some big name players have been injured this season, but not for long periods of time (Petr Prucha and Ed Jovanovski each missed 4 games). Avoiding injury has been helpful in the Coyotes' quest for a playoff berth, and remaining healthy will be essential to continue with their current pace.
The Coyotes will have three players — Sami Lepisto, Zbynek Michalek and Bryzgalov — participate in the Olympics in February. Though these men are lucky to compete for their country, the Coyotes left off their respective country's rosters will have a chance to recuperate, heal any nagging injuries, and relax in the middle of the season.
The first few games after the break will be critical in how each team finishes at the end of the season, but the smaller number of representatives may help the Coyotes in the end. Only three teams have less members participating in the Winter Olympics, and this may prove to be the advantage the Coyotes need.
Free Agents:
Ten players will be free agents after this season, and the Coyotes will look to resign as many as possible. Unrestricted free agents include: Lombardi, Robert Lang, Adrian Aucoin, Michalek, and restricted free agents include: Peter Mueller, Upshall, Martin Hanzal, Daniel Winnik, Paul Bissonnette, and Lepisto.
Michalek appears to be a player that will need to be signed first. He is one of the two alternate captains, one of the top two defenseman (Jovanovski the other). In 378 games with the Coyotes he produced 26 goals and 81 assists for a total of 107 points. His experience, defensive-ability, leadership, and production cannot be replaced for less money, but his resigning may cost the Coyotes other players. On offense the biggest resigning will be Upshall, who has proven himself to be a successful Coyote. Mueller and Hanzal, both drafted by the Coyotes, have been successful in the past, but seem to be still adjusting to a new system, though the Coyotes should try to resign these two young players if possible.
Playoffs and Future:
If the Coyotes do make the playoffs, their experience may hinder them from going all the way. Between the 45 players (on the Coyotes' roster with more than five games played this season) only 462 playoff games have been played, however fifteen have some playoff experience.
The Chicago Blackhawks proved last year playoff experience isn't always necessary as they had 309 combined playoff games, and only ten players had previous playoff experience before making it the Western Conference Finals. The Coyotes must follow in the Hawks' footsteps.
Ice Edge, a Canadian group that has signed a letter of intent to buy the Coyotes from the NHL, stated they are willing to keep the Coyotes in Glendale, Arizona for the long haul, but success is the only factor that will put fans in seats. Without a playoff win this year, the Coyotes may be looking at another tough attendance season next year.
Katlyn Gambill
NHLHS Writer
*Winnipeg Jets finished with 96 points in the 1984-1985 season.
**On January 7, 2010, Scottie Upshall was placed on Injured Reserve.


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The FINANCIAL -- The Lloyd's market has now paid almost three quarters of a billion dollars ($738m) in response to storms Harvey, Irma and Maria.
Commending the responsiveness of the Lloyd's market, Lloyd's CEO, Inga Beale, said:
"It is heartening to see the Lloyd's market swing into action in this way. As the UN marks International Day for Disaster Reduction, these events serve as a stark reminder of our duty and ability to assist people, businesses and governments when disaster strikes. We must continue to be mindful of the difficult circumstances that policyholders find themselves in and do everything in our power to pay claims as quickly as possible."
Jon Hancock, Lloyd's Performance Management Director, added:
"When you get three catastrophic weather events as well as earthquakes in Mexico and flooding in Asia all happening so close to each other, it's essential to make sure the market's claims response moves as quickly as possible to help people rebuild their lives.
"Lloyd's is living up to its reputation for paying claims quickly. We have made advance payments on a range of reinsurance programmes for local insurers to make sure they have the funds to pay claims locally – both in Texas and the Caribbean. Lloyd's has also made advance insurance payments to businesses so that they have funds to kick start re-builds and get back on their feet."
"In one case Lloyd's advanced tens of millions of dollars to a Florida Keys hotel chain within days of it suffering severe storm damage. This has enabled that business to begin repairs so that it can resume business as quickly as possible. Imagine what a relief that is for this company trying to get their business up and running again."
Lloyd's continues to evaluate the situation and process claims as they come in.


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August 14th
I must be insane…or just high…
…But like, I had to post this. So, two weeks ago, I quit a fairly comfortable, secure job (or so I thought) to start my own business. Like WHAT was I thinking? And actually, I wasn't drunk. Maybe, just a little delusional. What do you think? Happy Friday?
Leave a Reply


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1) Determine how complete your genealogy research is. For background, read Crista Cowan's post Family History All Done? What's Your Number? and Kris Stewart's What Is Your Genealogy "Score?" For comparison purposes, keep the list to 10 or 11 generations with you as the first person.I thought this would be an interesting idea. I've seen this kind of thing before, but had never made an "Ancestor Name Chart" or figured out the "Ancestor Score" for my own family tree.
2) Create a table similar to Crista's second table, and fill it in however you can (you could create an Ahnentafel (Ancestor Name) list and count the number in each generation, or use some other method). Tell us how you calculated the numbers.
3) Show us your table, and calculate your "Ancestral Score" - what is your percentage of known names to possible names (1,023 for 10 generations).
4) For extra credit (or more SNGF), do more generations and add them to your chart.
5) Post your table, and your "Ancestor Score," on your own blog, in a comment to this post, or in a Facebook Status post or Google+ Stream post.
Here's my Ancestor Name Chart.
And here's my "Ancestor Score" for my family tree:
- Number of known ancestor names = 405
- Number of possible ancestor names = 1,023
- Ten generation ancestor name score = 405/1,023 = 39.6%
Through five generations the percentage stays at 100%. After that things start to go downhill. And my ancestral score isn't very high. I obviously have a lot of work to do. But, I suppose it could be worse. You see, I can't take the credit for finding all of the ancestors in my family tree. I was blessed to have inherited genealogy research from my father, Jan Iverson, a lot of which had been done by a professional genealogist many years ago. The professional genealogist was hired by my paternal grandmother, Ingrid Gillberg, to help us with our Scandinavian lines.
I'm also blessed to have in my possession the excellent and very well-sourced three-volume family history books called Waterman Family, Descendants of Robert Waterman by Donald Lines Jacobus which provide priceless information about my Waterman ancestors.
Even with all of the wonderful genealogy research I've been given, there is still so much more research that needs to be done. This fan chart from FamilySearch illustrates this. As you can see, there are holes in this chart that need to be filled. My mom is at the center of this chart. She's still living, so I blurred her name for privacy reasons.
What about you? What's your Ancestor Score?
Thanks for reading!
© 2015 Copyright by Jana Last, All Rights Reserved


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The industry-leading WM8325 power management subsystem, a high current monolithic power management IC (PMIC) from Wolfson Microelectronics plc has been selected by NVIDIA as a PMIC partner for Tegra 2, one of the world's first mobile super chips.
Tegra 2 is part of the next wave of super phones and tablets from NVIDIA that deliver unprecedented multimedia experiences.
Tegra 2 brings extreme multi-tasking with a mobile dual-core CPU, superior and faster web experience, hardware accelerated Flash as well as console-quality gaming with a GeForce GPU.
Key features of the WM8325 power management system:
- Delivers a cost-effective, flexible power management solution for portable multimedia applications including smartbooks, tablet computers, e-books, media players and smartphones
- Incorporates four programmable DC-DC converters including one capable of delivering up to 2.5A
- 11 LDO regulators including four low-noise units for supplying sensitive analogue subsystems
- Optimised QFN package designed to improve thermal performance and reduce parasitic components, enabling low cost 4-layer PCB manufacturing
Dr Jess Brown, Wolfson's Product Line Manager for Power Management says that the selection of WM8325 for NVIDIA's highly innovative Tegra 2 processor is testament to the strength of the system, which delivers class-leading power management technology to next-generation multimedia processors.
He adds that the WM8325 improves battery life by up to 10% in comparison with competitor products and enables the use of smaller and lower cost external components.
Additionally, programmability of the device will lead to lower cost of ownership since the device can be re-used in multiple applications.
Michael Rayfield, General Manager, Mobile business at NVIDIA comments that Wolfson provides exceptional power management solutions and teaming their WM8325 product with Tegra 2 helps their partners optimise power while getting their super phone or tablet to market faster.
Wolfson's WM8325 power management subsystem is available from Caelera .


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Share This
Boutros M. Boutros
Senior Vice President Corporate Communication
Emirates Group
As the Dubai-based Emirates continues its trajectory toward becoming the world's largest airline by 2020, the brand expands through sponsorships unrelated to air travel. Boutros M. Boutros, Senior Vice President of Corporate Communications for the fifty companies under the Emirates umbrella, explains that Emirates' originally sought television exposure for the airline through sports sponsorships, but they realized they were selling Dubai as a player in its own right. Says Boutros, "We are a commercial, international entity with headquarters in Dubai. Emirates is now positioned as a truly global airline. We like to believe we facilitate interaction between people and that is what reflects Dubai."
Boutros began his career as a journalist and PR executive before joining Emirates in 1991. Emirates supports FIFA soccer, U.S. Open Tennis, and the PGA Ryder Cup, among others. They sponsor film festivals, exhibitions, and orchestras, including the San Francisco Symphony. Boutros believes that "Emirates is a flying image of Dubai."


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First it was more than 1,000 dead birds that fell in a 1-mile radius in Beebe, Arkansas that had us freaked. Dead things dropping from the sky on New Year's Day? Is it the sign of the apocalypse? Then things got really creepy. We found out more than 100,000 dead fish were found floating in the Arkansas River just days before.
Together they leave us with two choices: curl up in a corner and start rocking or figure out what the heck is causing it so we can move on with our lives. We're going with the latter. Here's what's really causing all those dead animals in Arkansas.
The government killed them:
What would a new year be without some new wacky "the government is out to get you" theories? Popping up all over the web is the phrase "Some believe that secret undercover government weapons testing is the cause of the rash of wildlife deaths there." Some do seem to believe it, but none offer up anything other than their beliefs. Maybe some facts would make us feel like these people were more than bird brains.
Fireworks killed the birds:
The bodies of the birds showed physical trauma akin to lightning or hail. But considering it was New Year's Day, Keith Stephens of the Arkansas Game and Fish Commission told CNN:
If someone was to shoot fireworks in an area where they were roosting, while they were asleep, then that could have been what caused their deaths.
If that's true, why hasn't the pyrotechnician come clean? Arkansas is a state where fireworks are legal, so he shouldn't be in any trouble.
Disease killed the fish:
Only dead drum fish died, which actually makes this easier to figure out than the birds. If there were a pollutant in the water, it should have affected everything in the river. But with only one species of floaters, the Arkansas Game and Fish Commission (boy those folks have their hands in everything these days) are calling this one for disease. Now for the big question: could the birds have snacked on the fish?
Poison killed them both:
We've already ruled it out for the fish, but what about the birds? Actually, that's a negative too. The birds' stomachs were empty. Although mine would be empty if I ate something that gave me the runs too ...
Weather killed the birds:
When in doubt, blame it on the weather. Birds don't fare so well when their coats get soaked, and there was a storm that blew through Arkansas late last week. So they could have died from exposure or been confused as heck and simply flew into the ground themselves. Only problem? The storm was pretty much gone by the time the birds started dropping like flies.
God did it all:
If it's not the government, it's got to be Him, right? Oh ye of little faith, check out the pile of Biblical quotes concerning dead critters and tell us it's not a wee bit creepy. Particularly of interest: I will sweep away the birds of the air and the fish of the sea from Zephaniah 1:3. If He's sweeping them away, does that mean He's offering to help with the clean up?
Which theory do you think is on the mark?
Image via YouTube


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Mission Statement
The Appalachian Community Fund (ACF) funds and encourages grassroots social change in Central Appalachia. ACF works to build a sustainable base of resources to support community-led organizations seeking to overcome and address issues of race, economic status, gender, sexual identity, and disability. As a community-controlled fund, ACF offers leadership to expand and strengthen the movement for social change through its practices and policies.
Vision Statement
On the journey to justice, our vision is to work for the day when Appalachia's land, air and water are safe from destruction and contamination; where the economy is stable, strong, and provides diverse employment opportunities for all people; where government and industry are accountable to human needs without exploitation of people and their health; where justice, equity, appreciation of diversity and celebration of our common humanity replace racism, sexism, heterosexism and other "isms"; where wealth and resources are shared equally; where all children grow up free from hatred and violence; and where justice overcomes oppression in any form.
We Value
- The critical importance of anti-racism work as a part of bringing about social change
- Diversity of voices, experience, and geography
- Decision-making that is built on consensus, equal participation, and shared leadership
- Equality of people and equity in practice
- Leadership of people involved in issues and action
- Accountability, friendliness and openness to our donor partners, our grantee partners and all allies who seek justice
- Building a sense of community and promoting inclusiveness
- Sharing of stories and experience to build relationships, leadership and solidarity
- Speaking out and standing up
- Seeing, sharing and creating the connections among people, communities, environment, the region and the world
- Grassroots experience, skills, wisdom and plain good sense
- Celebration of culture, heritage, survival, community, and victories for justice
- The natural and human resources that make Appalachia a rich and diverse region
The Appalachian Community Fund (ACF) operates on principles of compassion and respect for all beings, integrity, transparency, a belief in and commitment to justice, and care for our region and our planet. An analysis of oppression, particularly racism, informs ACF's work; and in all of its activities, goals and outcomes, ACF seeks to model an organization which is effective, responsible, accountable, democratic, anti-racist, and committed to developing leadership. ACF works to change systems and institutions and also believes in changing those it is a part of, recognizing and acknowledging that the systems it seeks to change transcend geographic, national and international boundaries. The Fund believes in sharing power, sharing responsibility, and seeking input and ideas from all components of the organization as it strives to embody, and to encourage other organizations to embody, these principles.


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On the 14-16 July 2010, MUIS (Islamic Religious Council of Singapore), in collaboration with Oxford University, University of Melbourne and the Department of Malay Studies at National University of Singapore, has organized the International Conference on Muslims in Multicultural Societies. According to the main organizer, the conference was aimed to
profile Singapore's best practices in general and more specifically the Singapore Muslim community's contribution to the state and in promoting Islamic values that embraces diversity. Additionally, this conference serves as a platform for other Muslim communities to share their experiences – models, systems and processes, and exchange ideas for further development of Muslims in multicultural societies. Continue reading


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Culford provides the opportunity to combine an excellent education up to A Level with a tailored, high performance hockey programme. The programme is open to all Culford Senior School pupils at ages 13+ and 16+. Hockey Scholarships are available and may be awarded to the value of up to 25% of tuition fees for suitably qualifed candidates.
Successful hockey candidates will receive a year round training programme, which will include:
Candidates are required to:
This information must be endorsed by the applicant's current school Head and the Head of Sport; and by the coach of a regional squad.
Candidates will be invited for an Assessment Day which will involve:
Scholarship applicants should be of Regional/County level and above.
Culford Admissions Office would be delighted to offer candidates pre-scholarship advice or answer any queries you may have about Scholarships at Culford School. Please email email@example.com for more information or call Bury St Edmunds 01284 385308.
For details of examination dates, please click here to view the key dates for entry.


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WIN 1 of 5 COPIES OF JACK THE GIANT KILLER ON DVD
To celebrate the UK DVD release on 2nd July 2012, five lucky winners will each win a copy of the 1962 classic JACK THE GIANT KILLER on DVD, courtesy of 101 FILMS.
The terrible and treacherous sorcerer Pendragon plans to gain the throne of Cornwall by kidnapping The King's beautiful daughter – Elaine and forcing him to abdicate.
To achieve his goal, Pendragon uses his dark sorcery to create a giant called Cormoran tasked with abducting the Princess. When the giant seizes Elaine, brave farm lad – Jack slays the monster and rescues Elaine. In gratitude, King Mark makes Jack her protector and entrusts him to safely guide her to a convent across the sea.
Seeking revenge, Pendragon follows with his entourage of wicked witches, unleashing a storm of deadly monsters. Can Jack defeat the evil sorcerer and guide the Princess to safety?
Featuring the stars and director of The 7th Voyage of Sinbad, this wonderful MGM fantasy celebrates its 50th anniversary in 2012.
Jack the Giant Killer 50th Anniversary Edition is available to buy on DVD from Amazon. Read Bat's review and Dr Lenera's review
To be in with a chance of winning, simply answer the following question correctly:
What is the name of Pendragon's giant?
To enter, just send your answer along with your name and address to email@example.com with the subject 'Jack The Giant Killer comp'.
The competition will close at 11.59pm GMT on Sunday 22nd July 2012 and five winners will be picked at random from the correct entries.
• This promotion is open to UK residents only.
• One entry per household
• There is no cash or other alternative to the prize stated and the prize is not transferable and no part or parts of the prize may be substituted for other benefits, items or additions.
• 5 winners will each win 1x Jack the Giant Killer DVD
• The Editor's decision is final and binding on the entrants. No correspondence will be entered into.


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Rigorous preparation has Miller among the bestby Dan Rosen
"Now I'm enjoying the benefit playing for a team that is more focused on backchecking and bringing five players closer to me in the defensive zone."
-- Ryan Miller
Miller either leads or is among the leaders in all major statistical categories for goalies, and the Sabres are first in the NHL's Northeast Division.
Miller, who on New Year's Day was selected by USA Hockey as one of the three goalies headed to the Olympics in Vancouver, didn't arrive at this juncture by happenstance.
From the moment he returned from a broken thumb that kept him off the American Olympic roster in 2006, Miller has been rising in the goaltending world to the point where he can now be considered among the elite.
This season, with the help of new training methods and a team-wide system geared toward keeping the puck out of the net, Miller has been better than ever and the Sabres are loving it.
It started over the summer. After back-to-back playoff-less springs in 2008 and 2009, Miller began working to improve his overall conditioning by focusing on areas of need.
"I just trained the muscles that are important to me," he said. "For me it's just mainly about posture and how my hips feel. I built a routine around maintaining flexibility and strength. It's not necessarily where I am trying to train big muscles in big ways. I'm doing a lot of core control, range of motion. You have to spread out as a goaltender a lot so I'm trying to be strong and quick to get in those positions."
Instead of bike riding or running long distances, Miller swam at least once a week because that way he could get his heart rate up without straining his lower body.
"I need two or three months away from the butterfly so I try to steer clear of anything that is going to put more impact into that area," Miller said.
The results so far this season aren't because of the training, Miller said, but the goal wasn't to get better results in October, November and December. Miller wants to stay consistent throughout the season and into the playoffs to give the Sabres a better shot.
Buffalo could be built for a long playoff run if Miller stays on top of his game. He feels they missed the playoffs the last two seasons because, at times, his game tailed off.
"There were times where I started to get sore and started to get tired and then my game deteriorates until I get maintenance on it," he said. "This is just to get ahead of things."
Miller instead believes his personal success is a byproduct of the Sabres' system, which now appears to have been a three-year process.
Since 2006-07, Buffalo has experienced some major turnover and the roster has been stripped of stars and playmakers like Danny Briere, Chris Drury and Brian Campbell. The strategy had to change, too, and after back-to-back seasons sans playoffs it appears the Sabres have found a system that works.
Miller, one of the more intellectual players in the League, also has grown more comfortable in his role with the club. He is the most important player on the team and that also means he is the Sabres' pseudo spokesperson.
Good or bad, Miller has to stand in front of the media and tell the Sabres' side of the story nearly every single day.
"It's something you have to get used to as you get older," he said. "I think the last few years that was probably the case for our entire team, getting used to our roles and having to answer the tough questions, talk to the media every night, step up and be accountable. It's something you have to get used to; it's not something you can just dive into. You have to live through a lot of the experiences when you are a goaltender in a hockey crazy city."
Contact Dan Rosen at firstname.lastname@example.com