Sunday, September 30, 2012

Chinese not welcome in Zadig & Voltaire?s Paris hotel

Zadig and Voltaire store 468x311 Chinese not welcome in Zadig & Voltaires Paris hotel

French premium brand Zadig & Voltaire will open its debut hotel in 2014, located in the private mansion used to stage the label?s debut show in Paris earlier this week.

The brand?s founder Thierry Gillier calls it ?a project dear to our hearts?, and it?s apparently going to be so exclusive that certain people are not allowed.

?It will be a slightly private hotel, not open to everybody, with 40 rooms. We are going to select guests. It won?t be open to Chinese tourists, for example. There is a lot of demand in Paris ? many people are looking for quiet with a certain privacy.?

Since its publication yesterday morning, WWD?s article has been quietly amended ? the quote in question now reads simply ?busloads of tourists,? no ethnicity specified.

- -

Source: http://feedproxy.google.com/~r/Luxuo/~3/nGF_UQWEOvE/chinese-not-welcome-in-zadig-voltaire-hotel.html

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Video: What to expect from Romney in debate

A Second Take on Meeting the Press: From an up-close look at Rachel Maddow's sneakers to an in-depth look at Jon Krakauer's latest book ? it's all fair game in our "Meet the Press: Take Two" web extra. Log on Sundays to see David Gregory's post-show conversations with leading newsmakers, authors and roundtable guests. Videos are available on-demand by 12 p.m. ET on Sundays.

Source: http://www.msnbc.msn.com/id/3032608/vp/49230117#49230117

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Overuse threatens East Fork of the San Gabriel River

Thousands of picnickers and gold prospectors park every weekend along a two-lane road overlooking the East Fork of the San Gabriel River, then trundle down to the mountain creek with ice chests, boomboxes, shovels, sluice boxes and baby carriers strung with diapers.

They litter, light campfires, defecate in the wild, dig for gold and engage in many other banned activities along the river. U.S. Forest Service rangers try in vain to curtail the abuses but are hopelessly outnumbered.

Last Sunday, no rangers were in sight at a popular swimming hole where the air smelled of campfires and makeshift toilets in nearby bushes. A young man hunted birds with a BB gun. A few yards upstream, half a dozen gold prospectors were digging deep holes and dragging massive boulders across the river with steel cables attached to winches.

PHOTOS: Trashing the river

Clad in a white robe and standing waist-deep in water, Pastor Juan Morales smiled as congregants of Jesus Fuente de Vida Eterna in the City of Industry marched solemnly into the current to be baptized. Church members raised their hands in prayer and appreciation each time Morales dunked someone in the name of Jesus Christ.

"We've been coming here four times a year for seven years because it is beautiful and clean," Morales said in Spanish.

Beautiful and clean may have been an apt description in the past. But it doesn't fit today. Although water quality monitors say the East Fork is safe to swim in, the vicinity of the swimming hole was fouled by dozens of dirty diapers and, on some rocks midstream, human feces.

"I've lost count of the times I've pleaded with the Forest Service to get the trash out of the river," said Mark Yeltsin, manager of the Camp Williams Cafe, the only commercial establishment on the East Fork. "They have a stock answer: 'Sorry. We don't have the resources.'"

Tom Contreras, supervisor of the 640,000-acre Angeles National Forest, said a few more rangers and cleanup crews would certainly enhance his ability to enforce laws on the river, but budget restraints have made that all but impossible. "We have one full-time technician assigned to that area ? I wish we had more," Contreras said.

Environmental and community groups say conditions have reached critical mass, not only on the river but across the San Gabriel Mountains. Something needs to change.

"We desperately need a new vision and management plan for the East Fork and the entire range," said Juanna Torres, a spokeswoman for the Sierra Club. "What we've got up there now isn't working."

San Gabriel Mountains Forever, a coalition of community and environmental groups including the Sierra Club and Friends of the River, is backing a plan that seeks to balance the crush of tourists with conservation. Essentially, it would transform the San Gabriels into a national recreational area co-managed by the National Park Service. The designation would make it eligible for additional federal resources, including law enforcement officers, interpretive signs and trash collection.

The National Park Service is completing a study of the proposal for submission to Congress and possible authorization next year.

Without any improvements, the San Gabriels will continue to suffer from being an enormous backyard for Southern California.

East Fork Road and California 39, the winding mountain highway that provides the only access to Crystal Lake and other recreational areas north of the East Fork, are patrolled by Forest Service rangers, the California Highway Patrol, the Los Angeles County Sheriff's Department, firefighters and Caltrans crews. Last Sunday, authorities were swamped with reports of car burglaries, drug deals, belligerent gold prospectors, rowdy parties, overturned vehicles, lost hikers and illegal campfires.

In August 2010, a ranger was beaten and left unconscious on the East Fork in a case that has been referred to the FBI and remains under investigation. A month ago, a vehicle driving through dry brush just off East Fork Road sparked a fire that blackened more than 4,000 acres of the San Gabriel watershed, which provides Los Angeles County with 33% of its water.

Refuse has been a health concern since 2000, when the California Regional Water Quality Control Board ordered the Forest Service to reduce trash levels in the East Fork to zero within three years. In response, rangers and volunteers were stationed at popular picnic sites to direct visitors to roadside trash bins and provide them with information about environmental issues and litter laws. They also posted bilingual "No Littering" signs.

That strategy was abandoned a few years later due to budget cuts. Since then, the number of visitors to the East Fork has mushroomed to about 15,000 people a day on the big weekends of summer. Compounding problems, gold prospectors developed a militant attitude toward rangers after learning that the ban on mining in the San Gabriels is based on a 1928 policy that does not include penalties.

Now, in a social dynamic peculiar to the East Fork, rangers crack down on prospectors by citing them for such things as "diverting the flow of the river" or "defacing the forest," while miners attempt to win sympathy and avoid harassment by picking up trash.

Such quirky rhythms have made regulars of prospectors such as Richard Skow, 57. Pushing a shovel deep into river gravel, Skow said, "We're the real stewards of this river. I filled three bags with trash this morning alone."

louis.sahagun@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/Ra33OTDLLYI/la-me-trashed-river-20120930,0,5708583.story

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Saturday, September 29, 2012

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My name is Petro and I once passed a bong to Friederich Hayek. This is a blog about all of my favorite things: Austrian/Chicago school economics, classical liberalism, socioeconomic/political history (particularly the Soviet Union, along with, the KGB, the CIA, Nazi Germany, the Cold War, WWI, WWII, The Weimar Republic, alcohol prohibition/drug prohibition in the U.S.), along with technology, cosmology, and current events that matter.

Source: http://21st-century-classical-liberal.tumblr.com/post/32548400533

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Are You Prepared To Get Real-estate? Read This Ver | Travel

There are several points that needs to be considered when buying a house of any sort. Producing a single completely wrong choice could actually effect the result of your acquiring decision. This informative article was composed to help you find the recommendations that can help you create the proper selections when it comes to acquiring real estate property.

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Here are a few free finishes as soon as you purchase your property! Immediately get homeowner?s insurance policy! Assess if it?s needed to invest in a homeowner?s warrantee, should it be not previously within the selling. Also, make sure the headline has become cared for, soon after the process is around.

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Privately job interview a number of realtors just before making a decision on one. You are relying on a real estate agent with a huge purchase. It is important to pick one carefully. It is recommended that you meet with no less than 3 or more. If you are unhappy, continue to keep looking around for the ideal one particular.

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Source: http://nicoleevaemery.com/real-estate/are-you-prepared-to-get-real-estate-read-this-ver/

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Nature's big picture: 'Pests' preserved

This page is best viewed in an up-to-date web browser with style sheets (CSS) enabled. While you will be able to view the content of this page in your current browser, you will not be able to get the full visual experience. Please consider upgrading your browser software or enabling style sheets (CSS) if you are able to do so.

Source: http://www.bbc.co.uk/nature/19741849

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England Women v Pakistan Women ? ICC Women's World ...

England Women v Pakistan Women ? ICC Women's World Twenty20 2012 (3rd Match - Group A) ? Match Update

A half-century from Laura Marsh, followed by Holly Colvin?s 4-wicket haul, propelled the England Women to a comprehensive 43-run win over the Pakistan Women, in their first Group A match of the ongoing ICC Women?s World Twenty20, 2012, played at the Galle International Stadium in Sri Lanka today on September 27.

The Pakistan Women won the toss and elected to field first, but the team?s bowling attack lacked intensity. Sana Mir (4-0-20-2) remained the only notable bowler, and the team was unable to restrict their opponents entirely, with the England Women going on to post a sizeable total of 133.

Skipper Charlotte Edwards (45) and Player of the Match Laura Marsh (54) opened the innings for their side, and set up a mammoth 102-run stand, which put the England Women on steady ground. Both batters, however, were dismissed via run out by the 16th over, and the batting order failed to maintain the momentum after that.

Wicketkeeper Sarah Taylor (8) and Lydia Greenway (3) were both dismissed for paltry scores, and Danielle Wyatt (2) remained similarly insipid. By the 19th over, the England Women were at 124 for 5, and Arran Brindle (12), the only batter who managed to register a double-digit score after the dismissal of the openers, found herself bowled by Sana Mir on the final ball of the last over, with the England Women posting a final total of 133.

Following their solid batting display, the England Women launched an intense bowling attack, featuring Colvin (3.4-0-9-4) and Daniele Hazell (4-0-19-2) as key bowlers, while Marsh (4-1-14-1) and Katherine Brunt (3-0-17-1) chipped in with supporting performances.

The Pakistan Women put forth a lacklustre batting performance, with only Qanita Jalil (14), Nain Abidi (11), Javeria Khan (23), and Batool Fatima (11*) managing to register double-digit scores. Skipper Sana Mir put in a disappointing contribution of 6 runs, while Bismah Maroof, Marina Iqbal, and Sadia Yousuf all chipped in with just one run each.

Unable to stand up to the force of the England Women?s bowling attack, the Pakistan Women crumbled, all out at 90, granting their opponents victory by a margin of 43 runs.

Source: http://blogs.bettor.com/England-Women-v-Pakistan-Women-ICC-Womens-World-Twenty20-2012-3rd-Match-Group-A-Match-Update-a190730

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Friday, September 28, 2012

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According to your condition associated with house, job position and profits, you'll be able to be eligible for a credit as high as $1500, however some loan companies will lend a maximum of $500. You'll have a possiblity to discover how much you be eligible for a before agreeing to any loan contract.

There's an essential legal difference from a present along with a loan. A really generous relative or good friend may offer you $5000 regarding auto repairs, for instance. In case there isn't any expectation associated with payment, the cash can be viewed a present. The giver couldn't file suit for repayment later on inside a city match. However, if the credit supplier designates the amount of money like a bank loan and also the customer pays back again even a buck, the amount of money can be viewed as a real loan as well as the loan provider may demand payment anytime. Small statements courts spend much of period identifying no matter whether a transaction which include cash would have been a present or loan. For that reason paperwork is important when creating personal lending options to close friends or loved ones.

The requirements to get a loan are quite obvious. If you're employed, having a month to month income of $800 or even more, this will let you checking account, you fulfill the fundamental requirements. A number of creditors within our network may have extra requirements.

Money financial loans are usually unguaranteed lending products eliminated upon the next wage. Since they are short-term lending products, they may be small; various from $100 to $1500 as well as repayment arrives in the next payday. They might be very useful for overcoming a quick financial unexpected emergency, nevertheless really should not be thought to be the long-term monetary solution.

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Source: http://vikcheroky.livejournal.com/41387.html

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Source: http://tools-home-improvement-equipment.blogspot.com/2012/09/bulbrite-cf7ctw-7watt-compact.html

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Canines against cancer YWCA benefit | WLFI - Lafayette, Indiana

LAFAYETTE, Ind. (WLFI) - Columbian Park was packed with pups Wednesday as the Lafayette Park Department and the Dog Park Association of Greater Lafayette presented the?11th?annual "Hike With Your Hound Event."

The walk was held to raise money and awareness for a worthy cause. Proceeds this year benefited the YWCA Women's Cancer Program.

Event organizers and participants said it's not only a blast for dogs and owners, but the money raised will help women in the community protect against, and battle cancer.

"It's for a good reason and for a good cause and it's also very fun," Participant Robert Schuman said. "That's why I like it, and I come as much as I possibly can."

"We're just a couple days away from breast cancer awareness month, so I'm encouraging all women who need to get their mammograms to get out there and do that," YWCA Executive Director Debi DeBruyn said.

Besides serving as a canine social, "Hike With Your Hound" had several contests including best trick, waggiest tail, dog and owner look-alike, and best breast cancer advocate costume.

Source: http://www.wlfi.com/dpp/news/local/canines-against-cancer-ywca-benefit

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Thursday, September 27, 2012

26/09/2012 Free Business Innovation Masterclass Wednesday 10th ...

Business Innovation Masterclass

NETPark
Thomas Wright Way
Sedgefield
County Durham,?TS21 3FD
Wednesday 10th October ? 8.30am- 11.00am

Businesses that excel during recessions use innovative new approaches to fuel sustainable growth and deliver great profits. GrowthAccelerator has teamed up with RTC North to deliver a unique FREE masterclass that will introduce you to creative problem solving techniques, helping generate new ideas that will unlock new market opportunities, grow sales and improve bottom line performance.

Growth Accelerator Taster Sessions are subject to limited avalibilty and priority will be given to companies looking to develop new products, services and processes.

Why should I attend?

This masterclass offers a rare chance to get an insight into the kind of specialist innovation expertise larger firms rely on. You will learn:

  • How to ?break the pattern? using focused tools and techniques
  • How to find out what value your customers are really buying from you
  • How to generate, capture and validate new ideas
  • How to put your ideas into practice and make it happen

What will I take away?

  • Introduction to a series of cutting edge innovation tools proven to drive business growth
  • A vision for the impact innovation could have on your business
  • How to access further support and funding through GrowthAccelerator to put your ideas into practice

Who should attend?

  • Companies looking to innovate or develop new products
  • Owners and Directors of businesses with turnover of less that ?40m and fewer than 250 staff with a desire to find new ways to unlock growth in your business

GrowthAccelerator is the new premier business growth service led by the private sector backed by government. Click here for more information about GrowthAccelerator.

To book a place at this event please go to:

http://www.rtcnorth.co.uk/events/details.asp?evTag=649

or,

http://www.eventbrite.com/event/4332388290

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Source: http://nea2f.co.uk/2012/09/26/free-business-innovation-masterclass-wednesday-10th-october-8-30am-11-00am/

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Treasure Coast Real Estate | Ballantrae Homes For Sale September ...

by starfish on September 25, 2012

Find Ballantrae Homes For Sale and Ballantrae Home Values. We also have information on mortgages, insurance, movers and other Treasure Coast Real Estate Services for anyone looking to sell or buy a home in beautiful St Lucie COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Treasure Coast, Paul is extremely familiar with the local neighborhoods including Ballantrae, school districts and the Treasure Coast Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
8985 SE Bridge Road Hobe Sound, Florida 33455
(772) 539-8376
(800) 793-7304 toll free
Treasure Coast Real Estate
Treasure Coast Real Estate Blog

Starfish Real Estate

Source: http://www.treasure-coast-living.com/2012/09/25/treasure-coast-real-estate-ballantrae-homes-for-sale-september-2012-3/

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Wednesday, September 26, 2012

Experiencing Arts and Culture ? Armstrong Institute for Interactive ...

Last summer I visited Paris, France doing an exploratory trip as part of the process of developing a study abroad program in May/June of 2013. Representing the School of Creative Arts, John Weigand (Architecture/Interior Design), Julia Guichard (Theatre), Harvey Thurmer (Music) and I (Art/Design/AIMS) have written a sequence of three courses focusing on integrated arts and culture within the context of a particular urban setting. In this case ? Paris.

The description for the sequence is as follows:

Students will travel domestically or abroad to a particular urban location(s) (e.g. New York, Paris, Milan, Prague, etc.) for an immersive thematic sequence focused on the global importance and impact of the integrated creative arts (e.g.: architecture, interior design, theatre, studio arts, graphic design, music, etc.). This intensive, experiential program will help a student from any major develop a general knowledge of cultural history, and an understanding of the theories and application of various forms of the creative arts. This sequence assumes no prior knowledge and is intended to make the creative arts interesting, accessible, and valuable for all majors. There are no prerequisites, but students need to have completed 30 hours, or have permission of the instructor. This will ensure that the sequence builds on the foundational liberal education knowledge gained in the first year. Instruction will be provided by a multi-disciplinary team of faculty from the School of Creative Arts.

The sequence begins with CFA 121: Introduction to the Integrated Arts and Culture. This course will focus on learning basic arts vocabulary, concepts and principles, with an emphasis on those words and ideas that are common to all the arts. (e.g.: syncopation, rhythm, pattern, etc.) This will give the students a shared vocabulary with which to move into more complex information and application. In the second course, CFA 221: Immersion in the Integrated Arts and Culture, students will learn more specifically about various forms of art, always emphasizing the connections between them. For instance, much of the class will be organized around case studies, such as the Opera House in Paris. Students will learn about how its architecture affects the theatrical and musical performances and/or how the graphic and interior decoration of the building is integrated with the architecture and enhances the theatrical performances. Learning would take place in the classroom, as well as in an experiential fashion through local expert speakers and field trips. The final course, CFA 321: Application in the Integrated Arts and Culture, will focus on both team-based and individual application of the knowledge and experiences gained from the first two courses. The team-based project will put students in multi-disciplinary groups of four-five that collaboratively research, write and present a particularly important urban site/environment that demonstrates arts integration. The individual project will be a blog where students chronicle their learning by answering specific research questions both visually and verbally.

The plan is to have each course team-taught by at least two faculty from different disciplinary perspectives (e.g.: Theatre and Design, Music and Architecture). The pilot team of faculty are Faimon, Weigand, Guichard and Thurmer, but we anticipate faculty from throughout the SCA will be involved in the coming years.

Each academic year, there will be an assigned committee of at least one faculty member from each of the four departments in the SCA to manage the sequence. The faculty on the committee will either be involved in teaching the sequence and/or will be the ?international committee? representatives from each department. The group will meet several times a semester to discuss the curriculum and this sequence will be assessed (see below) once per year by this group. These discussions will ensure that the sequence is being implemented as planned, that courses are available to students, that there are faculty to participate into the future, and that improvements are continually made.

Source: http://aims.muohio.edu/2012/09/26/experiencing-arts-and-culture/

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Todd Akin: Why some Republicans are now supporting him

Former presidential candidate Rick Santorum and two Republican senators ? one of whom previously called for Todd Akin to step down ? threw support behind the congressman Wednesday.

By David Grant,?Staff writer / September 26, 2012

Missouri Republican Senate candidate, Rep. Todd Akin speaks during a news conference at the start of a statewide bus tour, Tuesday, Sept. 25, in St. Louis.

Jeff Roberson/AP

Enlarge

Todd Akin won?t have to go it alone.

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The Missouri Republican?s senatorial campaign, rocked by his remarks regarding ?legitimate rape? last month, was left for dead by scores of national Republicans. Weeks ago, the National Republican Senatorial Committee (NRSC) and Crossroads GPS, a Republican heavyweight ?super PAC,? pulled advertising from the Show-Me State.

But on Wednesday, the day after Representative Akin could pull out of the race and his name not appear on the ballot, his campaign against Sen. Claire McCaskill (D) was supported by former presidential candidate Rick Santorum (who won Missouri?s Republican presidential primary) and two Republican senators ? one of whom previously called for Akin to step down.

"If Republicans are to win back the Senate and stop President Obama's liberal agenda, we must defeat Senator Claire McCaskill in Missouri. Her support of President Obama's job-killing, big-spending policies are sending our country into an economic abyss,? said Mr. Santorum and Sen. Jim DeMint (R) of South Carolina in a jointly released statement.

Senator DeMint, a leading figure of the Senate?s most conservative wing whose political-action committee has supported many stridently conservative candidates, is weighing whether to put financial support behind his political vote of confidence.

The other senator voicing support for Akin? Sen. Roy Blunt (R) of Missouri.

?Congressman Akin and I don?t agree on everything, but he and I agree the Senate majority must change,? Senator Blunt said in a statement. ?From Governor Romney to the county courthouse, I'll be working for the Republican ticket in Missouri, and that includes Todd Akin."

In August, however, Blunt joined all four living former Missouri senators in calling for Akin to step down.

?We do not believe it serves the national interest for Congressman Todd Akin to stay in this race,? the five men said in a joint statement. ?The issues at stake are too big, and this election is simply too important. The right decision is to step aside.?

Blunt?s about-face seems to be about making the best of a bad situation, says Dave Robertson, a professor of political science at the University of Missouri in St. Louis. With control of the US Senate hanging in the balance, the GOP can?t afford to give up on a race that many thought would be one of its easiest takeover opportunities before Akin?s debacle.

?Whether Akin loses or wins, Blunt is doing this for the party,? Professor Robertson says. ?I think it?s not going to be remembered that he did much of this, besides by people who support Akin. For Blunt, it probably is mostly pluses and not many minuses.?

Will any of this backup make a difference for Akin?

It?s unlikely, says Brian Calfano, a political science professor at Missouri State University in Springfield, that Santorum and DeMint will move the needle for the congressman.

?They?re both appealing to a strongly partisan or ideologically pure element of the electorate,? Professor Calfano says. ?And Akin already has that support.?

Blunt, on the other hand, may help.

?He?s not as associated with the kinds of tea party or strident social conservatism that DeMint or Santorum are,? Calfano says. ?Being as he is the hometown senator, he?s going to have a lot more influence? with more center-right voters.

Yet it?s going to take money, and lots of it, to get Akin back on top against the flush McCaskill campaign.

That?s what DeMint may offer ? and possibly other national Republicans who have turned off the spigots.

?There?s no way they?re going to ignore the possibility of knocking [McCaskill] off,? Calfano says. ?You?re probably still going to see some support from a [political-action committee] or a NRSC to come in and do something, even though they said they wouldn?t. They?re going to need that seat.?

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/W13D2j3kDm4/Todd-Akin-Why-some-Republicans-are-now-supporting-him

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Borderlands 2 PC Patch Version 1.0.2 Now ... - Trendy Gamers

The first patch (1.0.1) was made available just two days after the launch of Borderlands 2 and Gearbox has now released the second patch (1.0.2) for the PC version of the game. Check out the changes below:

  • Fixed issue with trading negative credit values.
  • Fixed issue regarding pre-order incentives.
  • Fixed issue regarding connectivity problems involving routers with restricted Firewall UDP settings.

?

Source: Gearbox Forums

VN:F [1.9.20_1166]

Source: http://trendygamers.com/2012/09/25/borderlands-2-pc-patch-version-1-0-2-download/

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Tuesday, September 25, 2012

NHL, union to resume labor talks Friday

TORONTO (AP) ? The NHL and its players' union plan to resume bargaining Friday for the first time since the league's lockout started, but the talks are to focus on non-core economic issues.

Deputy commissioner Bill Daly and NHL Players' Association special counsel Steve Fehr met Tuesday in Toronto and scheduled the session. The session will be in New York.

These will be the first formal negotiations since Sept. 12, when the players and owners exchanged proposals.

The lockout started Sept. 16, the day training camps were to start opening. This is the third lockout since Gary Bettman became commissioner in 1993. The last lockout wiped out the 2004-05 season and ended when players accepted a salary cap.

With the sides far apart on money, they have decided to talk about non-central issues that also are necessary for an agreement. Fehr said the topics will include issues such as the pension plan, the medical plan, schedule rules, drug testing and the grievance procedure.

Top officials from the NHL and NHLPA met Monday to review last season's economics and complete escrow payments due players. The labor contract was not discussed.

"Obviously, we've got to talk before you can get a deal, so I think it's important to get the talks going again," Daly said Monday. "But you also have to have something to say. I think it's fair to say we feel like we need to hear from the players' association in a meaningful way because I don't think that they've really moved off their initial proposal, which was made more than a month ago now."

This is the NHL's fourth work stoppage in the last 20 years. Since this lockout started a handful of players have expressed concern that it could last the entire season. Detroit Red Wings forward Danny Cleary said Monday he was "just trying to be realistic."

It took three months for the NHL and NHLPA to resume bargaining after the lockout began in 2004.

The NHL has $3.3 billion in annual revenue. The league wants to reduce the players' share of hockey related revenue from 57 percent to a range between 49 percent and 47 percent, up from 43 percent in its original proposal. Players think management's alleged financial problems could be addressed by re-examining the teams' revenue-sharing formula.

Source: http://news.yahoo.com/nhl-union-resume-labor-talks-friday-170413888--nhl.html

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Chart Of The Day: An Even Scarier Jobs Chart - Business Insider

At Business Insider, we like to reference the "scariest jobs chart ever."?? It shows how long it has taken to recover all of the job losses since the beginning of past recessions.? It's pretty self-explanatory:


This is bar none the worst experience the U.S. has had with unemployment since the Great Depression.

However, other countries have suffered worse in the wake of financial crises before.

NPR Planet Money brings this chart to our attention today from the Oregon Office of Economic Analysis to illustrate that point:

Planet Money even suggested Business Insider use the title "THE SCARIEST JOBS CHART EVER COULD HAVE BEEN A LOT SCARIER."

It should also be noted that the U.S. is simply not far along enough in its recovery, per the chart above, to really be called "out of the woods" relative to past crises, but looking at the first four years, it seems to stack up pretty well.

Bottom line: financial crises are devastating for workers. Everywhere.

ALSO:?GOLDMAN: The Middle Class Won't Do Too Bad If We Go Off The Fiscal Cliff >

Source: http://www.businessinsider.com/chart-of-the-day-an-even-scarier-jobs-chart-2012-9

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Why the Real Estate Crisis Had to Happen

Tuesday, September 25th, 2012 | mansion

We cannot understand the present unless we understand the past. The first question to be asked is when did the real estate crisis become inevitable? The correct answer is in the time period between 1980 and 1982. It has been forgotten today but the last real estate crisis in this country were the twin real estate crises of the 1980s. In the early 1980s the first crisis was brought on by double-digit mortgage interest rates. Then in the late 1980s there was the savings and loan crisis, which in those days provided most of the nation?s mortgage capital. In response to these twin crises congress passed two laws that made today?s real estate crisis inevitable.

After these acts were passed it was only a question of time until the stars aligned correctly for the volcano to erupt. In 1980, congress passed the DIDMCA Act. Prior to this time, it was illegal to charge less credit worthy customers a higher rate of interest on their mortgage. Then in 1982, congress passed the AMPT Act, which allowed adjustable rate mortgages or ARMs for the first time. Prior to this act adjustable rate mortgages had been illegal.

If you go back to 1896 when reliable housing records first began to be kept you will find that from 1896 to 1996 housing prices tracked the rate of inflation. Then suddenly from 1996 to 2006 housing prices doubled. The problem of course in that the income of the American people did not come anywhere near to doubling in that time period. When you stop to think about it, you will realize that it is impossible for the price of housing to exceed the rise in the income of the American people for any sustained period of time. Unless there is an enabler, a speculator?s tool that allows this to happen. What was the speculator?s tool or device that enabled this process to occur? What was the enabler?

In the whole of American history there has only been one prior real estate bubble that resembles the real estate boom and bust that we are now witnessing. It was the great Florida land boom of the 1920s. Real estate has always been expensive. What has always held real estate prices in check was that people just did not have enough money to bull prices up for very long. The money is just not there. The device that enabled the Florida land boom to occur was the ?binder.? This is a real estate term that has gone out of use today. In the manner in which it was then used it was essentially an option payment on the down payment if you can conceive of such a thing.

What it boiled down to is that people thought they were speculating on real estate but in reality they were speculating on real estate options.

The stock market has long been the ultimate proving ground for speculative tools. Those of us who are stock market speculators are very familiar with stock options. The only thing that the reader has to know about options is that they are speculating tools that possess tremendous leverage. In other words, you can make a killing on a chump change investment.

Both the binder of the 1920s and the ARM are in reality real estate options. All options expire worthless if they are not exercised prior to their expiration date. Most ARMs were written to expire in two or three years, the fixed interest rate period. At that moment the option had to be exercised or rolled over because the option would become worthless. People were deluded into believing that they were buying real estate. When in reality they were speculating in real estate options. As we have seen, the tools for the bubble were in place by 1982. the only thing lacking now was the mania. The boom years from 1991 to 2007 provided the mania. Real estate prices rose relentlessly. It was a boom that seemed like it would never end. You couldn?t lose in real estate because no matter how much you over paid because rising prices bailed out everyone.

Today in the aftermath of the boom, we are already discounting the impact on the human psych that manias and bubbles produce. To put it bluntly by the end of the boom almost no one could believe that real estate prices could fall. This nearly universal belief gradually eroded prudent behavior. The more risks you took the more you were rewarded. There was no down side.

In the early 90s the use of sub prime mortgages and ARMs were limited-since almost all sub prime mortgages were also ARMs they will be considered as a unit- but as the boom progressed their importance grew and grew. Mortgage brokers just could not stay away from sub prime mortgages. They were three to five times more profitable than standard mortgages. Once they had sold one they didn?t want to sell anything else. The caution that lenders had originally shown toward the new mortgage products was relentlessly ground away as the endless boom continued. Caution wasn?t being rewarded, it was being punished. There was a Gresham?s Law in effect- Gresham was an economist-in which bad or reckless behavior which was constantly being rewarded by lush profits drove out good or cautious behavior because the profits were inferior. In the final years of the boom, conservative firms could not even keep their mortgage brokers from bolting to subprime lenders.

Then around the year 2000 Minsky?s Law kicked in. Hyman Minsky was a Noble Prize winning economist.

Minsky?s Law Over periods of prolonged prosperity the economy evolves from financial relationships that engender a stable financial system to financial relationships that produce economic instability. The longer the trend persists the more violent the correction when the trend reverses.

As the boom rolled on the most important factor was that almost everyone was a winner. This was true in spite of the fact that subprime mortgages were constantly defaulting at the higher rates that had been predicted. Not only was the higher default rate not a problem but everyone was making out like a bandit with subprime mortgages. This included the subprime borrower. As soon as he fell behind his friendly subprime mortgage broker would be there to write him a new subprime mortgage. In fact he often got to take out new money when he refinanced the mortgage. It was not unusual to have subprime borrowers take out new mortgages every two or three years during the boom.

If there wasn?t enough equity to suit the lenders, real estate speculators would be pounding at his door offering to take the property off his hands as soon as the notice of default had been published. Often at a profit over his purchase price.

The banks were the greatest winners of all. They were making a killing. It is obscene how much money a bank can make during the foreclosure process as long as someone buys the foreclosed property. Not only do they receive all the back payments but the brutal penalty fees as well. Indeed the most profitable scenario that can be imagined for a mortgage lender is to make nothing but high profit subprime loans and then to have them all default. Their profits would be enormous. That is, so long as the lender never has to take back the property.

When the boom ended, things became incredibly ugly for the banks with amazing speed. One of the most important favors that real estate speculators did for the banks when they bought a foreclosed properly was that in addition to paying the obscene penalty fees they also paid the nearly as obscene attorney foreclosure fees. Not to mention repairing the often seriously vandalized property. An angry homeowner can easily do $20,000-$30,000 in damages. When the boom ended all these expenses landed on the banks head like a falling safe. The banks never knew what hit them. I am sure that they still think that they were run over by a Mack truck.

Source: http://www.estonianrealestate.net/mansion/why-the-real-estate-crisis-had-to-happen.htm

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Monday, September 24, 2012

See why Clark Howard loves Muve Music and Cricket's all new unlimited Android sm...

Sorry, Readability was unable to parse this page for content.

Source: http://www.facebook.com/cricketwireless/posts/111584425660718

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NCAA Men's/Women's D1 Results from 9/22 - Part 1: Yale University Drop Heartbrea...

Bulldogs Drop Heartbreaker In Ivy Opener

www.yalebulldogs.com

The Yale women?s soccer team flirted with danger for much of Saturday?s game with Princeton. It was just old fashioned bad luck, however, that ended up costing the Bulldogs in a 2-1 overtime loss.

Source: http://www.facebook.com/SoccerNewEngland/posts/244046042384739

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SF could OK among tiniest apartments in US

(AP) ? San Francisco may soon give new meaning to the word "downsizing."

Supervisors are set to vote on Tuesday on a proposed change to the city's building code that would allow construction of among the tiniest apartments in the country.

Under the plan, new apartments could be as small as 220 square feet (a little more than double the size of some prison cells), including a kitchen, bathroom and closet, the Los Angeles Times reported (http://lat.ms/QOriDh ).

Current regulations require the living room alone to be that size.

Schematics for 300-square-foot units planned for San Francisco's South of Market neighborhood include window seats that turn into spare beds and beds that turn into tables.

Proponents say the smaller apartments would provide a cheaper option for the city's many single residents, who have been priced out of the rental market as the region experiences a resurgent technology industry.

San Francisco apartments rented for an average of $2,734 in June, up 13 percent from a year ago, according to the research firm, RealFacts.

The micro-units, in contrast, are expected to rent for $1,200 to $1,500 a month, San Francisco Supervisor Scott Wiener told the Los Angeles Times. Wiener drafted the legislation for the smaller apartments.

It allows them to accommodate up to two people and requires an additional 100 square feet of space for each occupant above that number.

"Although in our fantasy world everyone would live in a single-family home or a huge spacious flat, the reality of life is that not everyone can afford that," Wiener said.

But critics counter that the units wouldn't help families and could boost population density, straining public transit and other city services.

"This has to be a pilot project and allow for further study before we end up like Singapore," said Sara Shortt, executive director of the tenants' rights group, Human Rights Committee of San Francisco.

Singapore authorities recently raised minimum dwelling sizes because of concerns about congestion. Some critics want San Francisco to follow the example of New York City and first test a small number of the units. New York City's micro-units also have a higher minimum-size requirement.

___

Information from: Los Angeles Times, http://www.latimes.com

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-09-24-Tiny%20Apartments/id-f4c0cb3b8b32475cb750ab5b2886c4b3

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Sunday, September 23, 2012

Schools essential for special needs - Stuff

Research evidence does not support the proposed closure of two of New Zealand's residential schools for children with severe behavioural difficulties, University of Canterbury Professor Garry Hornby said today.
?
The Ministry of Education plans to close McKenzie Residential School in Christchurch and Salisbury Residential School in Nelson. Today was the final day for submissions to the proposal.
?
The alternative suggested by the Ministry is an expansion of the Wraparound service for children with severe behavioural difficulties, which was developed in the USA.
?
However, recent reviews of Wraparound in the USA have found limited evidence of its effectiveness. Studies have found high drop-out rates, and its impact on outcomes has been small.
?
A recent survey in New Zealand conducted by the Principals Federation found?that, of the schools which had accessed the intensive Wraparound service, 53 percent reported that it did not bring about sustainable positive behaviour change, compared with 19 percent which considered that it had, and 26 percent which considered that it was too early to tell.
?
''This is not surprising because the Wraparound approach depends on support services such as educational psychologists, social workers, and health service personnel working in effective partnerships with schools and families. International research conducted over many years on multi-agency working such as this, has found that, despite good intentions, it is in practice very difficult to carry out effectively,'' Hornby said.
?
He said research conducted over the past eight years with young people who attended the McKenzie school, found that it was after children returned to mainstream schools following intensive intervention that things would go badly wrong, resulting in most cases of these children leaving the school system before the age of 16.

He said that the effectiveness of any service for children with severe behavioural difficulties was dependent on the ability of mainstream schools to cater effectively for them in the long term.?
?
''This needs to be the major focus of attention if the education of these children is to be improved and needs to be addressed before any consideration of reducing current provision by closing two of the four residential schools.?
?
''This will require the training of all mainstream school teachers and the development of school organisation, so that they all have clear structures for identifying and providing appropriate systems for pupils with special educational needs, including those with behavioural difficulties.?
?
''For example, it is important to have trained special educational needs coordinators in all mainstream schools, as was recommended in the Wylie Review of 2000, but has not yet been implemented.?
?
''Until these changes are brought about in mainstream schools it is essential to have the two residential schools available to cater for children with severe behavioural difficulties. For some of these children being taken out of their local environment into a residential school is what saves them from a complete meltdown.''?
?
Not having these schools as a last resort option for very vulnerable children would put enormous stress on mainstream schools they would attend and on their families in trying to cope with them at home, he said.?
?
''The move to close these two residential schools in favour of more Wraparound provision is premature and should be put on hold,'' Professor Hornby said.

- ? Fairfax NZ News

Comments

Source: http://www.stuff.co.nz/the-press/news/schools/7718576/Schools-essential-for-special-needs

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12 killed in Shiite-Sunni clashes in Yemen

SANAA, Yemen (AP) ? Twelve fighters were killed in northern Yemen on Saturday in ongoing clashes between Shiite tribesmen allied with the country's former leader and ultraconservative Sunnis, security officials said, as the new president grapples with challenges to his authority.

Tensions have long existed between Salafi Islamists, who are Sunni Muslims, and former Hawthi rebels, who are Shiite Muslims. Nearly 200 people died in fighting late last year between the two sides in northern Saada province.

The latest clashes in neighboring Amran province revealed a new alliance between Hawthis and loyalists of former President Ali Abdullah Saleh, whom the group fought in a costly six-year war until a cease-fire was reached in early 2010.

They also underline the larger regional rivalry between Iran and Saudi Arabia for influence in northern Yemen, an impoverished nation on the southern tip of the Arabian Peninsula, at the doorstep of several oil-producing Gulf nations.

Residents trapped in street fighting in the city of Raada in Amran say the Salafis from the opposition Islah Party were fighting Hawthis teamed up with Saleh loyalists, the two sides firing at each other with rocket-propelled grenades and automatic weapons. In another sign of a new alliance, Sheikh Ali Sinan al-Ghouli, a Saleh supporter, told The Associated Press he traveled to the area to assist the Hawthi rebels.

The clashes come a week after Yemen's government installed new governors from the Islah Party in Amran, about 70 kilometers (45 miles) northwest of the capital Sanaa, and two other provinces around Saada where Hawthis are concentrated.

According to military analyst Mohammed Ahmed al-Subayhi, the decision by President Abed Rabbo Mansour Hadi to appoint Islah Party members as governors reflects a larger regional rivalry between Saudi Arabia and Iran.

"Saudi Arabia believes that any Hawthi expansion in the region enhances Iran's role in Yemen and poses a threat to the kingdom," al-Subayhi said.

The retired military general added that the Sunni Hashid tribe in Amran is closely aligned with Saudi Arabia.

Shiite-led Iran and Yemen's powerful Sunni Muslim neighbor to the north, Saudi Arabia, are bitter regional rivals and have competing strategic interests in the Gulf. Saudi Arabia was a key player in brokering the deal that forced Saleh to hand over power to Hadi in February, after nearly a year of protests against him.

In July, Hadi warned Iran to stop spying in his country in the wake of claims that an Iranian espionage operation had been uncovered. The U.S. ambassador in Yemen has also repeatedly said that Iran is meddling in the country and playing on specific factions, a reference to Hawthi rebels in the north.

Also on Saturday, security officials said a suspected al-Qaida suicide bomber wounded three people in the southern province of Aden, among them the commander of local tribes who fought alongside the government against the group earlier this year. Abdel-Latif el-Sayid was in critical condition, officials said.

All officials spoke on condition of anonymity in line with regulations.

Al-Qaida's branch in Yemen took advantage of the country's political turmoil to take over large swaths of the country's south last year, but the government and local tribes won back control.

Source: http://news.yahoo.com/12-killed-shiite-sunni-clashes-yemen-195448439.html

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Saturday, September 22, 2012

'Gangnam Style' is most 'liked' video in YouTube history

YouTube

One of the many many many many scenes in "Gangnam Style."

By Helen A.S. Popkin

On?a day that shattered records ? and perhaps the confidence of electro-pop duo LMFAO ? Guinness World Records announced that the video for "Gangnam Style," by Korean rapper PSY is the most liked video in YouTube history.

Gaining 2,141,758 user "likes" since its July 15 YouTube debut, "Gangnam Style"?topples previous record holder, "Party Rock" by LMFAO, which released a statement on Friday saying the two had called it quits. (No mention on whether the split is connected to the record loss ? probably not, but there you go.)

Meanwhile, everything keeps coming up PSY, with Friday's announcement for Guinness adding to the K-Pop star's growing list?wins, including?"Gangnam Style's" status as the?first K-Pop song to hit No. 1 on iTunes.

"Having been the 'Have you seen this?!' video of the last two months across the Web, it's great to be able to award a record for this tremendously popular video," Dan Barrett, Guinness World Records community manager, said in a statement. "In years past, it was unthinkable that something? would be viewed a hundred million times, and now 'Gangnam Style' has achieved more than twice this figure in just 3 months on YouTube."

Along with its more than 2.1 million "likes," "Gangnam Style," also has an obligatory 100K dislikes, and more than 227 million views ... and that's not including all the viral tributes.

By comparison, ?along with LMFAO's 1,574,963 likes for "Party Rock Anthem," previous record holders include?Justin's Bieber's "Baby" (1,327,147 likes) and Adele's "Rolling in the Deep" (1,245,641 likes).

Helen A.S. Popkin goes blah blah blah about the Internet. Join her on?Twitter?and/or?Facebook. Also,?Google+.??

More Digital Life:

The Internet sensation PSY rocks a jam-packed plaza by performing his hit song and dance "Gangnam Style," and the TODAY anchors join in to show off their very own horse-riding moves.

Source: http://digitallife.today.com/_news/2012/09/21/14016149-gangnam-style-shatters-guinness-record-for-most-liked-video-in-youtube-history?lite

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Disney Magic Arrives to Lone Star State with Texas-sized Cowboy Hat


You?ve heard the saying, ?Everything is bigger in Texas,? and that rang true today when the Disney Magic said ?howdy? to Galveston with a Texas-sized cowboy hat on the ship?s funnel!

Disney Magic Arrives to Lone Star State with Texas-sized Cowboy Hat

This hat is an astonishing 19-feet tall and 14-feet wide. To put it in perspective for you, if a real cowboy was to wear this hat he would need to be about 43 feet tall!

Amazingly, the hat was installed while the ship was at sea, just one mile out from the Port of Galveston. I can?t imagine it was simple to don a cowboy hat that large, so I did a little digging to find out how it was done?

Disney Magic Arrives to Lone Star State with Texas-sized Cowboy Hat

Here?s the engineering secret: The larger-than-life cowboy hat was actually printed on a polypoplene cover, and engineers created a frame for the hat that includes the shape of the funnel?s Mickey ears. Check out this behind-the-scenes shot as the riggers bolted the frame in place.

Disney Magic Arrives to Lone Star State with Texas-sized Cowboy Hat

And in the next shot of the cover in production, you see it includes faux Mickey ears, giving the illusion that the hat is sitting on top of the funnel?s Mickey ears. Pretty cool, huh?

The Disney Magic?s late afternoon departure from the Port of Galveston will kick off the Disney Cruise Line inaugural season sailing from Texas. Take a look back at Jason?s recent post to see all of the itineraries to the Caribbean and Bahamas from Galveston, including some cruises taking guests to Walt Disney World Resort and Disney?s private island, Castaway Cay!

Which Disney cruise from Texas would your little cowboys and cowgirls enjoy most?

Read more about Disney Cruise Line in the posts below:

Tagged: DCL, Disney Magic

Filed: Disney Cruise Line

Source: http://feedproxy.google.com/~r/DisneyParks/~3/nAnYGI7_smw/

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Cellphones Skew Political Polls: Did Landlines Do the Same Thing in 1936?

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Friday, September 21, 2012

APNewsBreak: US surge troops out of Afghanistan

(AP) ? Nearly two years after President Barack Obama ordered 33,000 more U.S. troops to Afghanistan to tamp down the escalating Taliban violence, the last of those surge troops have left the country, U.S. officials said Thursday.

The withdrawal, which leaves 68,000 American forces in the warzone, comes as the security transition to Afghan forces is in trouble, threatened by a spike in so-called insider attacks in which Afghan Army and police troops, or insurgents dressed in their uniforms, have been attacking and killing U.S. and NATO forces.

And it's called into question the core strategy that relies on NATO troops working shoulder to shoulder with Afghans, training them to take over the security of their own country so the U.S. and its allies can leave at the end of 2014 as planned.

The number of U.S. forces there peaked at about 101,000 last year, and they have been coming out slowly over the past several months.

The surge was aimed at beating back the Taliban to give the Afghan government and its security forces the time and space to take hold. The key goal was to ensure that the Taliban did not regain a foothold in the country that could allow it once again to become a safe haven for terror groups. And there was hope that Taliban members would be willing to come to the peace table.

Military commanders say the war strategy is on track and that they have made broad gains against the Taliban, wresting control of areas where the insurgents once had strong footholds. And U.S. Defense Secretary Leon Panetta has characterized the insider attacks as the last gasp of a desperate insurgency.

But other top military leaders, including U.S. Gen. Martin Dempsey, chairman of the Joint Chiefs of Staff, are worried about the impact of the attacks on the troops. Dempsey called them a "very serious threat" to the war campaign and has declared that "something has to change."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-09-20-US-Afghanistan/id-7f8d4b978eae4343ac61ccf90f824521

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