Back in 2007 while waves of defaults occurred after sub-prime loans "reset" (an adjustable rate mortgage payment that increases after the interest rate increases) I asked one loan officer, "Why did lenders write variable rate notes when they knew these borrowers had little or no capacity to make higher payments down the road?"
What I heard in reply was that risky as these credit bets were, if conventional, higher fixed-interest rates were used, the borrower could not have qualified for as much of a loan. My reaction? Exactly!
"But in the larger scheme of things, did it really matter who was at fault?"
Yes. It matters now more than ever. Attention to causality (i.e. fault) is important because sweeping policies are being hatched to curb systemic risks for the future. If they get it wrong, we'll over-regulate mortgage originators -- possibly choking off liquidity for many qualified, low income borrowers. My biggest fear is that we'll fail to transfer liability from the American taxpayer to future borrowers-lenders-investors (where it belongs).
Cameron and I are jousting again.
This time the fodder is an hour-long interview with hedge fund manager, Kyle Bass which Cameron and I both viewed with great interest. Taped last month, I encourage you to view it too.
"John, I watched that video, thank you for forwarding it. It was very insightful. There were a lot of things that really popped out but one especially. Bass states that Washington has a spending problem, but in the same breath he states that the solution is simple. He states we need to raise revenues 2 1/2% and reduce expenses by 5%.
Note that the spending reduction Mr. Bass calls for is two times the tax increase he calls for. Perhaps that's because giving (additional) revenue to the federal government is like tossing it in the ocean. Politically, raising some taxes might be an expedient way to get a budget bill past the Dems in order to ultimately net a much larger reduction in spending, but we don't raise taxes because it is morally appealing, or because we think it's a prudent way to help the disadvantaged.
Super committee fails - or did they?
So, across the board (1/2 defense, 1/2 non-defense) federal spending cuts of $1.2T will begin January, 2013 without any tax increases. That's the plan, but there is plenty of time for Congress to derail what strikes some of us as a modicum of progress. Thankfully, President Obama says he'll veto any bill that attempts to overturn the sequester. Republicans or Dems who try to do it to protect whatever it is they purport to be protecting -- will do so at their own peril. This is the 2012 issue to watch.
I felt many of the same hopeful moments and (ultimately) profound disappointments from Herman Cain's candidacy as I felt during the Sarah Palin VP run in 2008. My view has less to do with Mr. Cain's alleged personal indiscretions than his performance on the campaign trail which has become as painful to watch as Ms. Palin's was during the 2008 election. Mr. Cain: Though you are ideologically appealing and charming, you are not ready for prime time, Sir. Please leave the race with dignity and promote fiscal conservatism in a new way.
In May of 2010, I began an interesting exchange with my old pal Cameron.
More recently Cameron sent me the CBO report that has garnered so much attention, "Trends in the Distribution of Household Income Between 1979 and 2007. CBO says, "... the population with income in the lowest 20 percent (quintile) in 2007 was not necessarily the same population group in that category in 1979." That point seems lost on some who believe this 20% is the exact same control group tracked during the period of study and thus the one still mired in poverty. There always has been and always will be, a lowest quintile -- with changing occupants. CBO also mentions that this lowest 20 percent quintile, actually experienced income "18 percent higher in 2007 than it had been in 1979." This data point suggests that a rising tide has lifted their boats too, though admittedly, not to the same degree as boats in higher quintiles.
Debate centers on the top 1% of income earners where the share has increased dramatically in recent years. Why? Because if one looks at the income share by quintile, going back to the late 1960s, one sees that the share percentage of income earned by the top quintile has gone up (and down) in percentages of total income between roughly 43 percent to 50 percent. When I looked back further to the 1940s, the data for this quintile was still bouncing around in the mid 40s share percentage. Thus, the share of total income going to the top quintile, hasn't changed much.
We all look at the part of the statistical puzzle that supports our worldview. Don't want to talk about who pays the income taxes? Just talk about income. Don't want to talk about higher living standards, or increased consumption by all Americans? Just focus on the income. Don't want to talk about anemic economic growth, continuing growth in government employment levels, or food and energy inflation? You got it -- single out income disparity.
What's also troubling, is the class envy and resentment bubbling over on the streets. For additional perspective, check out David Malpass' article in the current issue of Forbes Magazine ("Class Warfare Hurts Growth").
When the bill comes due, nations that have fallen prey to the entitlement vortex begin to foster more than street violence and class warfare. These states sometimes breed denial once they run out of other peoples' money.
That's the conclusion I reached after reading about the reaction of some Greek politicians who don't appreciate the futility of their fiscal situation. A year and a half ago, German officials sensibly averred that part of a Greek bailout plan could involve the sale (or lease) of state-owned assets, as well as, other austerity measures. This proposal did not amount to a wholesale transfer of Greece's sovereignty as its opponents claimed. Rather, it was part of a larger plan to lift a struggling debtor out of its self-induced mess through privatization of government assets including some Greek islands.
In response, one Greek government official said, if such asset transfers came to pass, it will result in a Greek boycott of German goods. Oh No! You're broke, you can't borrow and you threaten not to buy my products. I'm reminded of the Black Knight from Monty Python and The Holy Grail. After being drawn and quartered, the dismembered knight vowed to attack his foe (who didn't want to fight in the first place).
Above is the clip. Watch King Arthur's reply to the Black Knight, which could be Angela Merkel's reply to the aforementioned Greek official -- "What are you going to do, bleed on me?" (Start at the 1:15 mark if you're in a hurry). I'm sympathetic to the suffering in Greece, but it's hard to abide some of their politicians and citizens who want to perpetuate the drunken government spending and market meddling that caused their mess. Debtors can't be choosers, but that won't stop some of them from trying. At the end of a 99 year lease, the British honored their treaty with China and transferred sovereignty of Hong Kong in 1997. Life went on. Perhaps a lease of Mykonos to creditors would restore some government credibility in Greece?
"The Greek cabinet is expected to approve a contentious plan Sunday to lay off state workers, and sign off on a draft of next year's budget, in a race to slash spending, free up bailout loans and stave off bankruptcy.
Without the release of an 8 billion euro ($10.7 billion) tranche of an EU bailout, massively indebted Greece could run out of money to pay state wage bills within weeks. European officials are scrambling to avert a Greek debt default, which could wreck the balance sheets of European banks, damage the prospects of the euro single currency and possibly plunge the world into a new global financial crisis."
With a title like, "Are Economists Really That Smart" I had to read Bill Flax's piece in this month's issue of Forbes magazine, especially after digesting his first sentence, "Remember when Joe Biden admonished us to keep spending or else we'd go bankrupt?"
My timing to read the aforementioned Forbes piece was good since I'd just finished fighting my way through Nassim Taleb's best selling book, The Black Swan. (I use the verb "fight" because several technical aspects of the book are incomprehensible to me).
In their own ways, Messrs. Flax and Taleb fillet and roast the cadre of economists, public policy-makers and financial journalists who ascribe curative powers to the Keynesian path. Living within one's means and free market principles are concepts ignored, even ridiculed, by these economic intelligentsia (e.g. Paul Krugman) as they advocate for trillions in "stimulus".
Their voices usually (always?) clamor for more government spending. The reason QE2 failed, according to these experts, is that the sum wasn't large enough and all the fresh liquidity wasn't given enough time to work. On the other hand, economists like Nassim Taleb see the economic calamities we now face, through a very different lens. But first back to the Forbes, piece.
Mr. Flax says of the "science" of economics and its modern day application to fiscal policy, "The principal failing of macroeconomics is the intrusion it invites and the certainty it instills in politicians...no planner, no matter how wise, could possibly appreciate all the subjective nuances lurking behind these numbers. Such schemes are doomed to folly."
"Do not give an addict drugs if he has withdrawal pains. Using leverage to cure the problems of too much leverage is not homeopathy, it's denial. We need rehab."
The same metaphor I used in January of 2009 (and used elsewhere by others) of a drug addict who needs to take the pain, was also used by Dr. Taleb.
The summary point is this -- one cannot compromise with a drug addict, they only come back for more, which is why we must focus on the spending. Tax increases and money printing are analogous to a government's morphine fix -- it feels good for a while, but it only makes the problem worse before the inexorable crash. We must go cold turkey and take the pain incrementally.
The official position of this blog remains that the United States does not have a revenue problem, it has a spending problem.
Here are thoughts on the debt crisis and a few people competing for our attention.
I spoke with Rep. Jim Sensenbrenner at a local Town Hall Meeting last April about an idea advanced by Tim Pawlenty to avoid default without raising the debt limit. The U.S. Treasury has the power to sequence (i.e. prioritize) payments when bills come due. So debt holders can indeed be paid first to avert default and buy time while a budget patch is passed. The idea has been roundly ignored or dismissed as impractical. Of course, the U.S. government also has over a trillion dollars worth of other assets much of which ought to be liquidated to pay bills, but that's another post.
The debt markets have not been as restive as the equity markets. Bond markets know that the administration would not pull the financial temple down on our heads and allow a default, because it is not in the politicians' interest to do so. The Obama administration would have little choice but to play the payment sequencing card to avert financial Armageddon.
Voices like that of our Treasury Secretary Tim Geithner would have us believe the Treasury does not possess this ability. A blog called FairlyConservative.com points out the bluff by citing some July 25th reporting done by Charlie Gasparino. I am surprised by the absence of attention to these stories.
What happened two days ago? Bloomberg News and others reported that "...the Treasury Department will disclose its list of spending priorities in the event the debt limit isn't raised before August 2nd." Apparently, the rating agencies warn against doing this (the same folks that did such a fine job assigning risk before the housing market cratered). In the macro-scheme of things, it really wouldn't matter much according to David Wessel, and others.
I don't want a credit downgrade to occur like Neil Cavuto and I understand the impact on our borrowing costs, but it might be more of a political risk than an economic risk which is a view expressed rather well in this blurb from Politico.
I'm listening to Bloomberg Radio when it interviews people like Mohamed El-Erian. El-Erian is someone who understands the bond markets which, at this juncture, are a more reliable indicator of danger than political sideshows that reap so much media attention.
Right: noun: a just claim or title, whether legal, prescriptive, or moral.
That's the definition of the word used in connection with Wisconsin's government union employees and their demands to retain collective bargaining privileges. This issue more than any part of the Budget Repair Bill, has captured the nation's attention.
For weeks, we've heard demonstrators beating drums in Madison and equally vocal sympathizers in the media admonish anyone listening about "rights" of government union employees and the turmoil visited upon "the middle class" due to the Governor's Budget Repair bill. We've also seen polls suggesting public support for some of their views.
We do not believe that: 1) government employee collective bargaining constitutes a "right" by any reasonable measure, or 2) poll data spewed out by parts of the media has been properly framed, or useful to gauge public opinion.
"A process of negotiation between representatives of workers (usually labor union officials) and management to determine the conditions of employment. The agreement reached may cover not only wages but hiring practices, layoffs, promotions, working conditions and hours, and benefit programs."
Further into the root of the issue, according to West's Encyclopedia of American Law, edition 2, in Constitutional Law rights are classified as natural, civil, and political. Natural rights are those that are believed to grow out of the nature of the individual human being such as rights to life, liberty, privacy, and the pursuit of happiness. Civil Rights belong to every citizen of the state, and are not connected with the organization or administration of government.
Political rights entail the power to participate directly or indirectly in the establishment or administration of government, such as the right of citizenship, the right to vote, and the right to hold public office. Nothing in Wisconsin's Declaration of Rights (found in the State Constitution) guarantees a right to collective bargaining for any citizen, yet the reaction coming from government unions sounds as though the 1857 Dred Scott decision was dropped on them to enshrine slavery.
One point appears lost in this discussion of "rights" (even coming from some commentators who supported the bill's passage). Neither the U.S. Constitution nor Wisconsin's Constitution identifies collective bargaining as a right. One can argue for an amendment at the state level -- and some advocates have recently done so -- but you can't credibly maintain that the legal equivalent presently exists.
Therefore since collective bargaining is neither a natural, civil, nor political right, at best it is a right only in the colloquial sense of the term and merely a privilege in a purely constitutional sense. It is a privilege in our view that has been badly abused in Wisconsin to the detriment of state taxpayers. Collective bargaining actually denies the individual employee -- who might otherwise choose to decline a contract, or even decline the requirement to bargain collectively -- an ability to act independently, yet many continue to refer to this bargaining mechanism as a right.
While the recently enacted bill has caused much consternation, what it actually will do is replace collective bargaining with distributed bargaining and push down negotiations to the local school district levels -- where, in our view, they belonged in the first place. We are bothered by the oft-used phrase of an "assault on the middle class" believing as we do, that it is not an assault on government employees who possess Cadillac health care benefits and retirement plans the rest of us only dream of. Further, at 15% of the workforce (and even less of the populace), they hardly constitute the sweeping characterization we often hear as -- "Wisconsin's Middle Class."
The fact is, at the local level in many rural Wisconsin communities, public employment has become a fiefdom of privilege where, owing to binding interest arbitration based upon comparability, the never-ending spiral of wage and benefit improvements often results in local government compensation exceeding community "middle class" standards. The need to bargain virtually every operational issue makes implementing policy decisions and providing services a protracted struggle, often ending in grievance arbitration.
"All Government employees should realize that the process of collective bargaining, as usually understood, cannot be transplanted into the public service. It has its distinct and insurmountable limitations...The very nature and purposes of Government make it impossible for...officials...to bind the employer...The employer is the whole people, who speak by means of laws enacted by their representatives."
We believe by limiting Collective Bargaining, the legislature has enriched individual workers ability to work where they want and associate and negotiate with whom they choose and taken steps to reign in runaway costs.
We also take issue with the way poll takers have tried to report public opinion, and trumpet results. Consider the USA Today/Gallup poll asking respondents, "Would you favor or oppose a law in your state taking away some collective bargaining rights of most public unions, including the state teachers union?" Their poll data revealed that 61% of respondents said "oppose" and so the Feb. 22rd article title in USA Today blared, "Poll: Americans favor union bargaining rights"
The aforementioned USA/Gallup poll also indicated that 71% of us do not favor any tax increases as a means to reduce state budget deficits. The problem with the USA/Gallup poll and those who like to seize only on responses to the first question mentioned above, is that they fail to ask respondents to choose between tax increases or spending cuts, as an either or proposition. Assuming we want present government employee staffing levels, we must choose between reducing costs, and levying tax increases for taxpayers.
A few commentators maintain that the $3.6B structural deficit Governor Walker inherited, does not actually mean our state is broke. Of course the state can simply borrow more, raise taxes and user fees, engage in more accounting gimmickry (e.g. raiding segregated funds to close budget gaps), or some combination thereof. That's what we have been doing for decades by kicking the proverbial can down the road.
Change is never easy, but meaningful reform has come from duly-elected officials in Madison, Wisconsin. We applaud our Governor and the Republicans for their leadership in standing for fiscal restraint and we remind our fellow taxpayers this boils down to a debate over controlling costs. Too much deficit requires lower and sustained limits on government employee benefits -- just like in real life where private businesses and taxpayers dwell.
*Question shortened form published version.
Tim Peterson is a Milwaukee businessman and former Libertarian Party Candidate for US Senate, Robert Simandl is a Wisconsin attorney practicing employee benefit, labor and employment law and John Maddente is a Milwaukee businessman and former community columnist.
Not so fast. In the first place, "right" is an emotionally-laden word and also an inaccurate one when used to reference collective bargaining, since no such right is enumerated in either the U.S. Constitution or Wisconsin's Constitution (or any other state constitution that I have yet to discover) .
Your poll also indicated that 71% of us do not favor any tax increases as a means to reduce state deficits. Another problem with the USA/Gallup poll and those who like to seize only on the flawed question mentioned above, is that they fail to ask respondents to choose between tax increases or spending cuts. Assuming that Wisconsinites want present government employee staffing levels, it is an either or proposition.
Our governor and Republican lawmakers have taken commendable steps to help taxpayers permanently reign in outlandish benefits costs. They have chosen and they were chosen - at the polls which mattered – last November's elections.
Right, noun: A just claim or title, whether legal, prescriptive or moral.
That's the definition of a word used by Wisconsin's public-sector unions demanding to retain all collective bargaining privileges.
For weeks, we've heard demonstrators beating drums in Madison alongside equally vocal sympathizers in the media talking about "rights" of public-sector union employees and "attacks" on "the middle class." We respectfully disagree with them.
According to Encyclopedia Britannica, collective bargaining is "A process of negotiation between representatives of workers (usually labor union officials) and management to determine the conditions of employment. The agreement reached may cover not only wages but hiring practices, layoffs, promotions, working conditions, hours and benefit programs."
West's Encyclopedia of American Law, edition 2, in Constitutional Law, says rights are classified as natural, civil and political. Natural rights are believed to grow out of the nature of the individual human being such as rights to life, liberty, privacy and pursuit of happiness. Civil rights belong to every citizen and are not connected with the organization or administration of government. They include rights of property, marriage, protection by law, freedom to contract, trial by jury and the like.
Political rights entail power to participate in the establishment or administration of government, such as the right of citizenship, the right to vote and the right to hold public office.
Therefore since collective bargaining is neither a natural, civil nor political right, at best, it is a "right" only in the colloquial sense of the term and merely a privilege in a purely constitutional sense.
Further, nothing in Wisconsin's Declaration of Rights (found in the state constitution) guarantees a right to collective bargaining for any citizen.
While the bill has caused controversy, it enables distributed bargaining and pushes down negotiations to local levels - where, in our view, they belonged in the first place. We are bothered by the oft-used phrase of an "assault on the middle class" pertaining to public-sector union employees who possess Cadillac health care benefits and retirement plans the rest of us only dream of. And, as 15% of the workforce, public-sector unions hardly constitute the sweeping characterization of "Wisconsin's middle class."
The fact is, at the local level in many rural Wisconsin communities, public employment has become a fiefdom of privilege where, owing to binding interest arbitration based upon comparability, the never-ending spiral of wage and benefit improvements often results in local government compensation exceeding community "middle class" standards. The need to bargain virtually every operational issue makes implementing policy decisions and providing services a protracted struggle, often ending in arbitration.
Perhaps this is why President Franklin D. Roosevelt, the patron saint of the American labor movement warned: "All Government employees should realize that the process of collective bargaining, as usually understood, cannot be transplanted into the public service. It has its distinct and insurmountable limitations . . . The very nature and purposes of Government make it impossible for . . . officials . . . to bind the employer . . . The employer is the whole people, who speak by means of laws enacted by their representatives."
We believe that by limiting collective bargaining, the Legislature bolstered workers' ability to associate and negotiate with whom they choose, while reining in runaway costs.
Finally, we note that a few commentators believe a $3.7 billion structural deficit does not mean our state is broke. They know Wisconsin can borrow, raise taxes and user fees, engage in accounting gimmickry (e.g. raiding "segregated" funds to close budget gaps), or some combination thereof. That's what we have been doing for decades - until now.
Change is never easy, but reform has come from duly-elected officials. We applaud our governor and the Republicans for their leadership in standing for fiscal restraint, and we remind taxpayers that this all boils down to numbers. Too much deficit requires sustainable limits on public-employee benefits - just like in real life, where businesses and taxpayers dwell.
Tim Peterson is a local businessman and former Libertarian Party candidate for the U.S. Senate. Robert Simandl is a Wisconsin attorney practicing employee benefit, labor and employment law. John Maddente is a Republican, blogger and local businessman.
It was a clear day at the Capitol.
What wasn't reported quite as clearly, among other things, was the composition of the Pro-Walker forces, which were outnumbered I'm guessing, by about 20 to 1 -- thanks in large part to throngs of out-of-state demonstrators. One problem with the media characterization, was that they consistently reported the Pro-Walker group only as a "Tea Party" rally. Obviously, Tea Party members were out in force but the group contained a broader cross-section of voters including mainstream GOP members and even a few Blue Dog Dems including one courageous soul holding a sign labeled, "I'm A Teacher For Walker." I believe that man has more company than most people realize, particularly among private school teachers that are non-unionized and paid significantly less in wages and benefits than their public school counterparts.
But back to the afternoon event. It was non-violent, but press accounts labeling it as "peaceful" stretch the adjective. The union faithful were deployed in a circle, perhaps a dozen members wide, that encircled the entire capitol building so that Pro-Walker supporters had to walk through them, and their insults, in order to get to the muddy basin of the capitol steps where Walker supporters gathered. There were three times protesters tried to engage me in dialogue which I ignored to avoid a fruitless, heated debate -- or worse. Remember, I said nothing before or afterward to these people. That sort of provocation occurred repeatedly -- but you didn't read about it later.
Another unreported, or at least under-reported development, occurred near the lectern of the pro-Walker gathering. Suddenly, the speaker's booming voice went silent. Turning to a friend, I said, "That was no accident." Seconds later, an opposition mole was ushered away by Sheriffs and the sound system began to work after someone plugged it in again.
Union members marching around the capitol circle chanted, beat drums and hoisted signs -- most of which contained civil inscriptions -- but others with words or images of Governor Walker that are unrepeatable on this site. Again, I saw no press coverage of these signs, though they were hard to miss. I hoped that the owners of those particular signs are not teaching children. I'm not sure they should be near children.
To be fair, I saw a couple signs in the pro-Walker camp that I also found objectionable, but they were far less numerous than vile ones paraded by the other side.
In yesterday's Wall Street Journal, columnist John Fund distills all this clamor into one question. Mr. Fund asks, "Who's in charge of our political system -- voters or government unions?" For decades, of course, the answer in the Badger State has been government unions. That's about to end. The objective is not to bust them, it's about requiring them to pay a reasonable share of their lucrative benefit packages and maintaining more future control with voters.
Fortunately, legislators do not need the 14 absent Dems to vote on the collective bargaining provision of the bill.
Collective bargaining is a mechanism many want scaled back because such "bargaining" over the decades is what led to the out sized, budget-busting wage and benefit packages for many public employees. Pushing decisions down to the local levels makes sense. Instead of allowing the Left to spin this as destruction of "rights" -- it's more accurate and less emotional -- to characterize the legislation as a move toward distributed bargaining.
Claiming that collective bargaining is some divine "right" doesn't make it so. If you're a public teacher and you disagree, try looking at the issue in the following terms. Most of us cannot "bargain" for higher pay or benefits. Instead we receive a market-based pay package and a defined benefit plan, not a guarantee of retirement income and virtually free health care plans. If we feel that our benefits or pay packages are unacceptable -- we find work elsewhere. We do not have, nor do we seek, any collective means to hold employers (or taxpayers) hostage.
Another notion advanced by some on the Left, is that this legislation is a surprise hijacking that nobody talked about before the election. Senator Lindsey Graham (R-SC) speaking this morning on Meet The Press explained how measures in the bill causing such a stir, are a well documented facet of candidate Walker's campaign before he took office and informed voters knew as much when they elected him. Arguably, it is a one reason that they did elect him.
What is unprecedented, of course, are the fourteen fugitive state senators. It's a disgraceful signal to young people or anyone considering a career in public service. When things get tough, flee the state -- just take your ball and leave. That way, no one can play. How sad.
I hope that this stalemate doesn't turn violent. We can all disagree without throwing punches, but what I saw yesterday worried me.
The following passage was shared with me recently. It was written by a German writer, Rainer Maria Rilke. Mr. Rilke died in 1926 at the age of 51.
This piece is taken from his "Letters To A Young Poet". I find these words timeless, profound and comforting. Please consider sharing it with someone.
given you because you would not be able to live them.
Perhaps you will then gradually, without noticing it, live along some distant day into the answers.


text:
William Macclesfield (Canterbury o Coventry, c. 1250 - Canterbury o Besançon, 1303 o 1304) fue un religioso dominico inglés.

Biografía
Admitido en la Orden de Predicadores, fue estudiante y posteriormente profesor de Teología en el seminario de los dominicos de París y en el Merton College de la Universidad de Oxford, donde se destacó en la refutación de las ideas de Enrique de Gante y Guillaume de la Mare.

Benedicto XI le creó cardenal presbítero de Santa Sabina en el consistorio de diciembre de 1303. No está claro si para entonces Mykelfeld había fallecido en Inglaterra o en el sínodo de la orden en Besançon sin que en Roma tuvieran noticias de ello, o si murió a comienzos del año siguiente ignorando la decisión del papa.

Obras
Se le atribuyen varias obras sobre teología:
 Postillæ in sacra Biblia.
 In Evangelium de decem Virginibus.
 Questiones de Angelis.
 Questiones Ordinariæ.
 Contra Henricum de Gandavo, in quibus impugnat S. Thomam de Aquino.
 Contra Corruptorem S. Thomæ.
 De Unitate Formarum.
 De Comparatione Statuum.
 Orationes ad Clerum.
 Varia Problemata.

Referencias

Bibliografía

Alumnado de la Universidad de Oxford
Profesores de la Universidad de Oxford
Dominicos de Inglaterra
Cardenales creados por Benedicto XI
Cardenales de Inglaterra del siglo XIV
Teólogos de Inglaterra del siglo XIII
Escritores en latín
Monjes cristianos del siglo XIII

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IAFN Conference
Fleet finance
E-contracting
Auto Finance Technology
Why car sharing provides an ideal platform for growth
Written by Charlotte Simmons
One of the biggest advances affecting transport in recent years is the rapid growth and evolution of the sharing economy.
Users of sharing services typically access a network of vehicles nearby and only pay for the time that they are in use.
The model covers a variety of different services - ride sharing, business to consumer, car sharing and peer-to-peer.
In the ride-sharing model the user is driven, either by traditional taxi companies or innovative service providers such as Uber. The business to consumer offering is a traditional rental service.
Car sharing makes a fleet of vehicles available to its subscriber base that can be booked and used when needed for any length of time.
Car-sharing suppliers include BMW and Daimler, which have merged their mobility services to generate economies of scale. Until the merger, the two companies operated separate car-sharing services that were some of the most popular in the world, with BMW providing DriveNow and Daimler operating car2go.
Their combined offering under Share Now is a free-floating car-sharing service with more than 4 million customers in total and 20,000 vehicles in 31 cities.
The final model is peer-to-peer rental, where private vehicle owners are matched with individual users through a digital platform, such as hiyacar, allowing owners to generate revenues from their vehicles when they aren't being used. A private car is used by its owners for around 4% of its life and remains idle for most of the time.
These models show there is no right or wrong strategy and they all support the development of the sharing economy.
Their common purpose is delivering value to end-users who want to embrace the usership model as an alternative to the expense of ownership.
By choosing a shared transport model, a user is saving on car ownership, negating the costly requirement of insurance, maintenance, MoTs and even depreciation.
The peer-to-peer model also unlocks benefits for vehicle owners as it reduces ownership costs by ensuring the vehicle is paying for itself when the owner doesn't require it.
Sharing vehicles is not a new concept, though. During the 1940s in Zurich, Switzerland, a housing cooperative started a small car share arrangement.
Later examples included Procotip (launched in France using in-vehicle token metres) and Green Cars in the UK (launched in 1977) and Carsharing Portland's 1998 launch of an informal sharing service between friends and neighbours in the US.
In recent years, the development of the smartphone has accelerated the global expansion of sharing services. The smartphone's in-built GPS, app-based services and reliable internet access means users can book and locate vehicles at a moment's notice, without the need for call centres.
This has allowed suppliers to break free of fixed location rental stations and offer free-floating services, where cars can be parked anywhere within a designated area and quickly located and hired by the next user.
Other technologies ensuring this model works successfully include keyless car entry and fleet management software that rapidly matches customers with the nearest vehicle and minimises fleet downtime.
Customers behave in a fluid manner, follow the path of least resistance, so they will prioritise the most reliable service with the best user-experience and availability.
The appetite for sharing vehicles is also being driven by greater environmental awareness and concern about wasting resources. Some providers are responding by rapidly increasing their fleets of electric vehicles.
It's these new ways of working, growing consumer interest and technological support that should ensure a very promising future for sharing economy.
The way the car market is moving, however, would suggest that the next big step for will be the introduction of vehicles that drive themselves to collect passengers, which will create new opportunities for suppliers.
* Charlotte Simmons is community growth and content manager at hiyacar, a London-based peer-to-peer car-sharing platform, aiming to turn the millions of private cars sitting idle on drives and streets into a virtual fleet of cars for hire.
Metro Bank brand campaign celebrates people-first banking backed by innovation
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text:
Can you eat runny eggs when pregnant Ireland?
Can you eat a runny egg when pregnant?
What kind of egg can I eat when pregnant?
Are eggs pasteurized in Ireland?
Can you eat carbonara when pregnant Ireland?
Is it OK to eat slightly undercooked eggs?
Can I eat 2 eggs a day while pregnant?
What should a pregnant woman eat for breakfast?
Are Irish eggs safe raw?
Why are eggs Brown in Ireland?
How do you know if eggs are Pasteurised?
Can I eat bacon when pregnant?
Can I eat pepperoni pizza when pregnant?
What cheeses to avoid pregnant?
Its previous advice has been that eating raw or lightly cooked eggs may cause food poisoning. The advice from the Food Safety Authority of Ireland remains that: "Eggs and egg dishes must always be cooked thoroughly for vulnerable groups, such as the frail elderly, the sick, infants, small children and pregnant women."
Can I eat runny eggs while pregnant? No. In order to destroy any bacteria, eggs need to be cooked until the yolks and whites are firm.
It is safe for pregnant women to eat eggs as long as the eggs are completely cooked or pasteurised. Pregnant women can enjoy cooked eggs however should be aware to avoid raw eggs in foods such as aioli, homemade mayonnaise, cake batter or mousse.
Pasteurised egg is the safest form of egg to use in ready-to-eat dishes. … Controls on such eggs may not be as strict as those used in the Bord Bia Quality Assurance Scheme. All stamped hens eggs are sourced from flocks that are subject to statutory controls for Salmonella*
IT IS IMPORTANT: Do I really need to feed my newborn every 3 hours?
That means that everything from Eggs Benedict to pasta carbonara can now be safely enjoyed by everyone from the pregnant to the elderly.
People who consume raw or undercooked eggs can get Salmonella infection, which doctors also call salmonellosis. According to the FDA, the symptoms of a Salmonella infection occur within 12 to 72 hours of eating contaminated food. People who have Salmonella infection may experience the following symptoms: diarrhea.
Yes, pregnant women can eat boiled eggs as they are filled with minerals, vitamins, and good fat. Eating boiled eggs in pregnancy will provide all these crucial nutrients to the mother and the baby. The suggested egg intake ranges from 1-2 eggs daily, depending on the cholesterol level of the woman.
Greek yogurt, cottage cheese, tofu, eggs, peanut butter, omelets with Swiss or Cheddar cheese and dairy-infused smoothies are all solid, tasty options.
PREGNANT WOMEN CAN now safely eat raw eggs, according to a new report in Britain. … The advice from the Food Safety Authority of Ireland remains that: "Eggs and egg dishes must always be cooked thoroughly for vulnerable groups, such as the frail elderly, the sick, infants, small children and pregnant women."
But what's the difference between them? "Brown eggs are laid by our beautiful brown hens," explains Margaret, "and white eggs are laid by our white hens who have lovely red heads and yellow earlobes."
IT IS IMPORTANT: How do I know if my baby needs supplemented formula?
Pasteurized egg whites come in a carton, usually in the same area where you would buy regular eggs. The word "pasteurized" is one the box but sometimes can be very small and hard to locate. Don't worry, if the egg whites are in a box then it can be safely assumed they are already pasteurized.
You can enjoy bacon safely during pregnancy. Just make sure to cook it thoroughly, until it's steaming hot. Avoid ordering bacon at a restaurant because you don't know how well it's cooked. If you want to avoid all risks completely, there are meat-free bacon alternatives available, like soy or mushroom bacon.
Yep! Pepperoni is safe to eat while pregnant – as long as it's thoroughly cooked. Making sure it's cooked through (like on a pizza) gets rid of any harmful bacteria and minimizes the risk of food poisoning and all the unpleasantness that brings.
Don't eat mould-ripened soft cheese, such as brie, camembert and chevre (a type of goat's cheese) and others with a similar rind. You should also avoid soft blue-veined cheeses such as Danish blue or gorgonzola. These are made with mould and they can contain listeria, a type of bacteria that can harm your unborn baby.


Radio and TV host Lerato Kganyago has finally found love and one lucky man will be feasting on the true yellow bone's punani.
This would certainly be refreshing for Lerato, who after experiencing a public break-up with ex fiance Katlego Mashego back in 2014, she's finally off the market and feeling good about it. Lerato Kganyago gushes about her European boyfriend.
A few days ago, Lerato Kganyago posted a picture of her alleged new bae and center back for Bidvest Wits Bongani Sandile Khumalo and captioned it "Cup Cake".
"I am seeing someone and he is living Europe. He is an amazing guy, and yes if he asks to marry me, I will gladly do so as he completes my world," Lerato told Move mag.
Social media could not keep quiet and speculated whether this was the man she thanked at the South African Film and Television Awards when she won the Best TV presenter for TV show Live Amp. Well, whether he is the guy or not, here are a few things about him.
1. As tall as he is, and he is 1, 88 m tall, Bongani was born on 6 January 1987.
2. He was born in Manzini, Swaziland and grew up in Pretoria.
3. He was the third player born outside South Africa to play for Bafana Bafana.
4. Bongani started playing professional football in 2005 for AmaTuks. He played for Tottenham Hotspur from 2011 until 2015.
5. He returned to South Africa and played briefly for SuperSport United, and was later transferred to Bidvest Wits.
But then again, Lerato also posted a picture with Prince Kaybee, Naked DJ and Jason Derulo and no one suspected anything.


text:
Black Lung Disease Is On the Rise Again
While black lung disease may seem like a health crisis of the past, recent reports have revealed a surprising resurgence in severe cases of black lung disease in coal country. Throughout the coal belt, in states like West Virginia, Ohio, Kentucky, and Virginia, more and more cases of black lung disease have popped up since 2013. Potential causes for the increase in black lung include longer work shifts, the mining of thinner coal seams in the Appalachia region, inadequate dust control measures and rules, and the coal company's failure to implement and abide by mandatory health and safety laws and regulations. Another potential cause could be that the dust masks that the coal miners wore over their careers were defective and not effective for submicron particles.
A report from The New York Times claims that more than 400 coal miners seen in three different clinics in Virginia were found to have complicated forms of black lung disease. From 2013 to 2017 these cases were studied, and most miners were found to have progressed forms of the disease, which is characterized by thick masses of scar tissue that builds in the lungs.
Scientific Findings & Health Concerns
David J. Blackley, an epidemiologist at the National Institute for Occupational Safety and Health, published his research about black lung disease in the Journal of the American Medical Association after he discovered that roughly 1 out of every 4 miners found with complicated black lung disease had only worked as coal miners for less than 20 years. Typically, such advanced stages of black lung disease are found only in miners who have spent their entire lives inhaling coal dust. Miners with advanced stages of the disease have two options, according to Blackley: wait for a lung transplant, or die.
Defective Dust Masks
Coal miners wear dust masks or respirators to prevent breathing in the dust that is created during the coal mining process. Inhaling coal dust can cause black lung. However, some dust masks may not be effective in preventing this disease and the warnings associated with the dust mask may have been inadequate. A Kentucky jury recently awarded $67.5 Million to two former coal miners who developed black lung and alleged their disease was caused by defective dust masks. The jury found that 3M—the manufacturer of the dust masks—manufactured and supplied dust masks that were defective and unreasonably dangerous. The jury further found that the 3M acted with reckless disregard and assessed punitive damages. The plaintiffs alleged that 3M knew the dust masks were defective back in 1972 but still advertised them as safe for full shift usage.
Fitzsimmons Law Firm is currently investigating black lung and product liability claims on behalf of miners that used a 3M mask, Model No. 8710 between 1972 and 1999.
Coal Miner Safety
Decades earlier, the 1969 Coal Act took action to protect coal miners, establishing dust limits in the mines and offering miners free chest x-rays every 5 years. However, black lung disease began increasing by 2000 when an advanced form of the disease developed, like due to the increase in silica dust. Due to a new mining technique that focuses on mining thinner coal seams, silica dust, which comes from finely-crushed rock, has increased in the mines. According to research, silica dust can be even more damaging than coal dust, leading to seriously damaged lungs at faster rates than ever before.
Under the Obama administration, additional safety measures were called for in order to continually monitor mining conditions, protecting the health of miners who inhale dust on a regular basis. However, the Trump administration has recently called to pull back those safety measures because of the high cost.
About Black Lung Disease
Black lung disease can be extremely serious, even life-threatening, especially if discovered in later stages. Caused by inhaling coal dust, black lung disease usually gives the lungs, which are usually pink in color, a black appearance. Black lung disease can lead to chronic bronchitis and chronic obstructive pulmonary disease.
Symptoms include chronic coughing, shortness of breath, difficulty breathing, airway obstruction, increased production of mucus, painful breathing, and pulmonary hypertension.
If you or someone you love has developed black lung disease after working in a coal mine, our firm wants to help. We have helped countless coal miners and their families seek justice and compensation for their injuries, and we want to support your case as well.
Contact Fitzsimmons Law Firm, PLLC to discuss your case with our West Virginia personal injury attorneys.
Chemical and Toxic Exposure
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(18 October 1770 - 20 April 1845) was a leading English portrait and subject painter. He painted many of the great men of the day including scientists, artists, writers, poets and explorers. Phillips was born at Dudley then in Worcestershire. Having acquired the art of glass-painting in Birmingham under Francis Eginton, he visited London in 1790 with an introduction to Benjamin West, who found him employment on the painted-glass windows of St George's Chapel at Windsor. In 1791, he became a student of the Royal Academy, and exhibited there, in 1792, a view of Windsor Castle, followed in the next two years by the "Death of Talbot, Earl of Shrewsbury, at the Battle of Castillon," "Ruth and Naomi," "Elijah restoring the Widow's Son," "Cupid disarmed by Euphrosyne," and other pictures. After 1796, he mainly confined himself to portrait-painting. However, the field was very crowded with the likes of John Hoppner, William Owen, Thomas Lawrence and Martin Archer Shee competing for business; consequently, from 1796 to 1800, his exhibited works were chiefly portraits of gentlemen and ladies, often nameless in the catalogue and of no great importance historically-speaking.


What colour did you use for the laundry? Love it!
Thanks! The walls were in Resene Atomic, and Floors in Resene Smokey Green.
So beautiful guys. Kudos ??
Such an amazing transformation! Can't wait to see progress on the new place.
Every corner is gorgeous. Well done ?
Saw this in a copy of homestyle mag and I love the way you've worked in with the style and structure of your house, but the bathroom especially piques my interest as it's identical layout to ours.
Do you have a seperate toilet though? Couldn't see how it fits in. Those tiles with dark grout are just perfect. And all for under $300 – You guys have skills!
Following you on IG and excited to watch as you transform your new home, and juggle a new baby, which is what we did (and are still doing cause let's be honest, DIY renos take forever ?? ). Bravo!
It did have a seperate toilet, in between the bathroom and Laundry!


PLANO, Texas--(BUSINESS WIRE)--Nov. 2, 2018-- Cinemark Holdings, Inc. (NYSE: CNK), one of the largest motion picture exhibitors in the world, today reported results for the three and nine months ended September 30, 2018.
Cinemark Holdings, Inc.'s total revenues for the three months ended September 30, 2018 increased 6.1% to $754.2 million compared to $710.8 million for the three months ended September 30, 2017. For the three months ended September 30, 2018, admissions revenues increased 0.6% to $427.6 million and concession revenues increased 6.9% to $264.1 million. For the three months ended September 30, 2018, attendance increased 3.7% to 69.8 million patrons, average ticket price was $6.13 and concession revenues per patron increased 3.0% to $3.78.
Net income attributable to Cinemark Holdings, Inc. for the three months ended September 30, 2018 increased 31.7% to $50.2 million from $38.1 million for the three months ended September 30, 2017. Diluted earnings per share for the three months ended September 30, 2018 was $0.43 compared to $0.33 for the three months ended September 30, 2017.
Adjusted EBITDA for the three months ended September 30, 2018 increased 9.6% to $168.4 million compared to $153.7 million for the three months ended September 30, 2017. Reconciliations of non-GAAP financial measures are provided in the financial schedules accompanying this press release and at investors.cinemark.com.
Cinemark Holdings, Inc.'s total revenues for the nine months ended September 30, 2018 increased 8.1% to $2,423.2 million compared to $2,241.6 million for the nine months ended September 30, 2017. For the nine months ended September 30, 2018, admissions revenues increased 2.8% to $1,389.1 million and concession revenues increased 6.9% to $831.2 million. For the nine months ended September 30, 2018, attendance increased 1.8% to 214.7 million patrons, average ticket price was $6.47 and concession revenues per patron increased 4.9% to $3.87.
Net income attributable to Cinemark Holdings, Inc. for the nine months ended September 30, 2018 increased 14.9% to $194.4 million from $169.1 million for the nine months ended September 30, 2017. Diluted earnings per share for the nine months ended September 30, 2018 was $1.66 compared to $1.45 for the nine months ended September 30, 2017.
Adjusted EBITDA for the nine months ended September 30, 2018 increased 8.8% to $583.4 million compared to $536.2 million for the nine months ended September 30, 2017. Reconciliations of non-GAAP financial measures are provided in the financial schedules accompanying this press release and at investors.cinemark.com.
As of September 30, 2018, the Company's aggregate screen count was 6,014 and the Company had commitments to open five new theatres and 35 screens during the remainder of 2018 and 20 new theatres and 191 screens subsequent to 2018.
Telephone: via 800-374-1346 or 706-679-3149 (for international callers).
Live Webcast/Replay: Available live at investors.cinemark.com. A replay will be available following the call and archived for a limited time.
This press release includes "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The "forward-looking statements" include our current expectations, assumptions, estimates and projections about our business and our industry. They include statements relating to future revenues, expenses and profitability, the future development and expected growth of our business, projected capital expenditures, attendance at movies generally or in any of the markets in which we operate, the number or diversity of popular movies released and our ability to successfully license and exhibit popular films, national and international growth in our industry, competition from other exhibitors and alternative forms of entertainment and determinations in lawsuits in which we are defendants. You can identify forward-looking statements by the use of words such as "may," "should," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes," "plans," "expects," "future" and "intends" and similar expressions which are intended to identify forward-looking statements. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors, some of which are beyond our control and difficult to predict and could cause actual results to differ materially from those expressed or forecasted in the forward-looking statements. In evaluating forward-looking statements, you should carefully consider the risks and uncertainties described in the "Risk Factors" section or other sections in the Company's Annual Report on Form 10-K filed February 23, 2018. All forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by these cautionary statements and risk factors. Forward-looking statements contained in this press release reflect our view only as of the date of this press release. We undertake no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.
(1) Constant currency amounts, which are non-GAAP measurements, were calculated using the average exchange rate for the corresponding month for 2017. We translate the results of our international operating segment from local currencies into U.S. dollars using currency rates in effect at different points in time in accordance with U.S. GAAP. Significant changes in foreign exchange rates from one period to the next can result in meaningful variations in reported results. We are providing constant currency amounts for our international operating segment to present a period-to-period comparison of business performance that excludes the impact of foreign currency fluctuations.
(1) Adjusted EBITDA represents net income before income taxes, interest expense, interest income, foreign currency exchange gain (loss), interest expense – NCM, equity in income of affiliates, loss on debt amendments and refinancing, other cash distributions from equity investees, depreciation and amortization, impairment of long-lived assets, loss on disposal of assets and other, changes in deferred lease expense, amortization of long-term prepaid rents and share based awards compensation expense, as calculated below. Adjusted EBITDA is a non-GAAP financial measure commonly used in our industry and should not be construed as an alternative to net income as an indicator of operating performance or as an alternative to cash flow provided by operating activities as a measure of liquidity (as determined in accordance with GAAP). Adjusted EBITDA may not be comparable to similarly titled measures reported by other companies. We have included Adjusted EBITDA because we believe it provides management and investors with additional information to measure our performance and liquidity, estimate our value and evaluate our ability to service debt. In addition, we use Adjusted EBITDA for incentive compensation purposes.
(2) Represents cash distributions received from equity investees that were recorded as a reduction of the respective investment balances.
(3) Non-cash expense included in facility lease expense.
(4) Non-cash expense included in utilities and other.
(5) Non-cash expense included in general and administrative expenses.


Are You Ready to Take Care of Your Smile? We are currently accepting new patients and would love to help you take your smile to the next level. Call Prosper Dental Health, Prosper, TX Phone Number 972-347-2233 to make an appointment.
If, like many others, you feel implant dentistry is the choice for you, we ask that you undergo a dental/radiographic examination and health history. During these consultation visits, your specific needs and considerations will be addressed by either Dr. Trautmann or by an Oral and Maxillofacial Surgeon referred by our practice. Your questions and concerns are important to us and our team will work with you very closely to help make your procedure a success.
After the implant has bonded to the jaw bone, the second phase begins. The surgeon will uncover the implants and attach a small healing collar. Dr. Trautmann can then start making your new teeth. An impression must be taken. Then posts or attachments can be connected to the implants. The replacement teeth are then made over the posts or attachments. The entire procedure usually takes six to eight months. Most patients do not experience any disruption in their daily life.
Prosper Dentists, Dr. Marisol Trautmann and Dr. Bill Gerlach, are dedicated to providing you with a pleasant visit and results that you're proud to show off. Call Prosper Dental Health, Prosper, TX Phone Number 972-347-2233 with any questions or to make an appointment.


Whether this is your first relocation experience, or you are a seasoned veteran, McEnearney's award winning Relocation Team is dedicated to personally working with you and your organization to select the best partners from among our many esteemed colleagues - including Realtors®, Relocation Management Companies, corporate housing companies, and moving and van lines, to name just a few.
With McEnearney's membership and participation in multiple prestigious organizations, including Leading Real Estate Companies of the World®, Luxury Portfolio International™, Worldwide Employee Relocation Council®, the Relocation Directors Council®, and Who's Who in Luxury Real Estate®, you are assured of professional, high level service to ease your transition.
If you have a question about our relocation department or the services offered, please contact us anytime.


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Zoots dry cleaning abruptly closes stores across Hampton Roads, Navy Exchanges
Kimberly Pierceall
A Zoots dry-cleaning location at 4421 Virginia Beach Blvd. in Virginia Beach seen Feb. 21, 2019, the same day customers were told the locations were closing.
A Zoots dry-cleaning location at 4421 Virginia Beach Blvd. in Virginia Beach seen Feb. 21, 2019, the same day customers were told the locations were closing. (Kimberly Pierceall)
A dry-cleaner that served 11 Navy Exchanges in Hampton Roads and several other civilian locations has announced its abrupt closure without any explanation.
Representatives of Zoots sent an email to customers Wednesday evening saying the stores would close Thursday, noting it was with "heavy hearts and deep regrets" that they were shutting their doors. There were at least five remaining stores that weren't on military bases.
The email said customers could pick up their clothes, "as soon as possible," at 886 S. Military Hwy. where a related One Price Cleaners is located. The short email didn't say how long customers would have to pick up their clothes and the woman who signed the email identifying herself by only her first name, Vanessa, didn't elaborate when reached in person.
Employees appear to have been told Thursday morning that the stores would close.
Retailers come and go, but Patrick Henry Mall will keep finding ways to fill its storefronts and attract shoppers, the general manager says.
Most recently, the mall's FYE store selling CDs, DVDs and pop-culture merchandise closed along with others across the country. Children's clothing stores...
A spokeswoman for the Navy Exchange Service Command confirmed that they were told Wednesday that US Dry Cleaning Services Corp., doing business as Zoots, was ending its two-year agreement with the military more than a year early and 11 locations on Tidewater bases would close Friday. Courtney Williams, a public affairs officer with NEXCOM, said the two-year agreement with Zoots was worth an estimated $1.08 million in sales for the Navy exchanges and was set to expire in May 2020.
She said the military command was making arrangements to pick up any garments not retrieved by Friday with details posted at each location. She said NEXCOM is "diligently pursuing" another dry-cleaning operation.
US Dry Cleaning Services Corp. which lists an Arizona number on its website that goes to an answering service, claims to own four brands including Zoots and One Price Dry Cleaning. A financial filing with the Securities and Exchange Commission from 2014 notes that US Dry Cleaning owned 68 stores in five states at that time, including 11 in Virginia, and three production plants, including one in Portsmouth. The company noted it bought Zoots in Virginia in 2008 and that it had several large customers including the Navy.
In January 2018, Zoots locations in the Boston area also closed abruptly after a bankruptcy filing. It wasn't immediately clear if those locations were related to those in Virginia.
Calls to more than one number listed for US Dry Cleaning were not returned or were unsuccessful. Zoots did not answer emailed questions and the woman who authored the email to Hampton Roads customers refused to comment.
Kimberly Pierceall, 757-446-2588, kimberly.pierceall@pilotonline.com
Ikea is shutting down its only furniture factory in the US. Ikea recently announced that they would be ending production at their plant in Danville, Virginia, this coming December. The Swedish furniture company plans on moving their operations to Europe in an effort to cut costs.
US retailers are shutting down at a faster rate this year than in 2018. New figures from data company Coresight Research say just over 7,000 stores have shut down in 2019. In all of last year, 3,258 U.S. retail stores opened up with 5,864 closing down. The new numbers from Coresight are particularly striking as it is only mid-July in 2019.
All Kohl's stores will soon take back Amazon items beginning this July nationwide. In the United States, Kohl's currently had around 1,150 stores. Currently, people wishing to send back Amazon items can do it at 100 of Kohl's locations.
King of Clubs Coffee in Williamsburg
Apple announces new TV streaming services. Apple TV Channels and Apple TV+, were revealed monday during a press conference. Apple TV Channels offers Epix, HBO, Showtime and Starz to access in addition to any content you might already have via cable. Though Apple TV already allows users to connect their cable provider to the Apple TV app, the service has been tweaked.


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Military Friendly Colleges
Military Pay Chart
Civilian Jobs
Larry Fowler
Scott Ostrow
Kim Lengling
Dr. Sasha Toperich
USM Shop
Top Military-Friendly Colleges and Universities in America
interpreter/translator
Important Job as an Army Interpreter/Translator
One of the things people enjoy about being a personnel member in the United States Army is the ability to travel to distant lands. This is true because of the fact that the US Army operates in most every country throughout the world with different bases stationed throughout these countries. This means it is very important to be able to communicate with the people in the areas … [Read more...] about Important Job as an Army Interpreter/Translator
USMilitary.com Career Guide
Sign up to receive USMilitary.com email updates and to hear what's going on with all military branches!
Larry Fowler is the publisher of USMilitary.com Network one of America's premier privately owned
Autobiography Compares Christian Living With Navy SEAL Training (BUD/S).
Lt Col (Dr.) Scott A. Ostrow retired from the Air Force in September 2005 and has been teaching
Must Read: The Truth About The ASVAB Test Prep From The Man Who Wrote The Book
Kim Lengling is a Air Force Veteran whose passion is to help support veterans and their
The Moving Wall: Women Who Paid The Ultimate Price For Their Country
Dr. Sasha Toperich is the Senior Executive Vice President at Transatlantic Leadership
Sarraj's Dangerous Dance With Power
Rick Stewart is a former United States Air Force Survival, Evasion, Resistance, and Escape (SERE)
Announcing American Patriots Unsung Magazine
Nathan B. Nelson
Capt (ret) Nathan B. Nelson is the Director of Military Affairs for the 1st Congressional district
Three Critical Considerations for Every Veteran Prior to Leaving Active Duty
Laquan Daniels
Laquan Daniel is a military recruiting expert with over 17 years of specialized experience in the
Important News For Military Transitioning Veterans
Veteran Buzz
Which Companies Are Most Likely to Hire Military Veterans?
July 30, 2018 By Ben Ehinger
5 High-Paying Jobs for Military Veterans
July 2, 2018 By Ben Ehinger
High Paying Jobs Not Requiring a Degree
June 28, 2018 By Ben Ehinger
Apache Attack Helicopter Pilot: To Maintain a Watchful Eye, "Above the Best"
Peering Into The Future: NATO 2030 Initiative Announced
What Military Branch Sees the Most Combat?
From Belarus "With Love", Yet Again
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text:
package org.kvj.bravo7.widget;

import org.kvj.bravo7.ApplicationContext;

import android.appwidget.AppWidgetManager;
import android.appwidget.AppWidgetProvider;
import android.content.Context;
import android.content.SharedPreferences;
import android.os.Bundle;
import android.util.Log;
import android.widget.RemoteViews;

public abstract class WidgetProvider extends AppWidgetProvider {

	private static final String TAG = "WidgetProvider";
	protected ApplicationContext app = null;

	public WidgetProvider(ApplicationContext context) {
		this.app = context;
	}

	protected String getString(SharedPreferences data, int name, int def) {
		return data.getString(app.getResources().getString(name), app
				.getResources().getString(def));
	}

	protected void setInt(SharedPreferences data, int name, int value) {
		data.edit()
				.putString(app.getResources().getString(name),
						Integer.toString(value)).commit();
	}

	protected int getInt(SharedPreferences data, int name, int def) {
		int defInt = -1;
		try {
			defInt = Integer
					.parseInt(data.getString(app.getResources().getString(def),
							"-1"), 10);
		} catch (Exception e) {
			e.printStackTrace();
		}
		try {
			return Integer.parseInt(getString(data, name, def), 10);
		} catch (Exception e) {
			e.printStackTrace();
		}
		return defInt;
	}

	@Override
	public void onUpdate(Context context, AppWidgetManager appWidgetManager,
			int[] appWidgetIds) {
		super.onUpdate(context, appWidgetManager, appWidgetIds);
		Log.i(TAG, "onUpdate: " + appWidgetIds.length);
		for (int i = 0; i < appWidgetIds.length; i++) {
			// Call update for every widget
			int id = appWidgetIds[i];
			update(id, appWidgetManager, new Bundle());
		}
	}

	private boolean update(int id, AppWidgetManager appWidgetManager,
			Bundle extras) {
		SharedPreferences prefs = app.getWidgetConfig(id);
		if (null == prefs) { // Skip
			Log.w(TAG, "onUpdate: no prefs " + id);
			return false;
		}
		RemoteViews views = update(prefs, id, extras);
		if (null != views) { // Have views - update
			appWidgetManager.updateAppWidget(id, views);
		} else {
			Log.w(TAG, "onUpdate: no views " + id);
			return false;
		}
		return true;
	}

	public void update(int id, Bundle extras) {
		AppWidgetManager appWidgetManager = AppWidgetManager.getInstance(app);
		update(id, appWidgetManager, extras);
	}

	abstract protected RemoteViews update(SharedPreferences preferences,
			int id, Bundle data);

}

redpajama_set_name: RedPajamaGithub


Today, I fell in love with yoga again.
Today was a good day. A beautiful day. For the first time in four weeks, I returned to my yoga mat.
Now, as you may know from my previous posts, I have not been altogether incommunicado with the practice of yoga during this time. I stood as a witness to the practice of yoga through the process of observation. Observation of others in their practice, and through the process of self-observation through my continued daily mindful meditation and pranayama practice.
These actually aren't my words. They are the words of Kat Boehm (pictured left) of Moving Mindfully, Living Fully, a gifted instructor (she just came back from a 90-day silent meditation retreat!) who is guiding me through a 5-week course in therapeutic yoga at Bliss YogaSpa. The timing could not actually have been better for our two worlds to meet. Therapeutic yoga is, in short, as it sounds. It is about yoga for those who have experienced physical injury or trauma in their journey – whether yoga-related or not. It is not about doing a downward dog pose in class. It is not even about trying to get there. It is about cultivating self-compassion and acceptance for the state of our body, mind, and spirit following a period of trauma, conflict, or injury.
One of the first things that Kat said which resonated with me was that our mantra for the day was to never give up. Kat explained to us that she loves teaching therapeutic yoga because she herself had suffered a significant injury in her journey many years ago. This injury has allowed her to reside very personally with the experience of those who are healing from injury and striving to make sense of their body and mind with grace, dignity, and self-compassion.
The other thing that resonated with me about Kat is that she made it very clear it was perfectly okay for us to be free with our emotions at anytime during practice. That might mean laughing, crying, or expressing frustration or all of it. But, this is all part of doing yoga. That is because the journey is the practice of yoga. I am looking forward to my next class with Kat to explore the dimensions of therapeutic yoga more deeply as I continue my journey to full healing and restoration.
I wanted to share something with you that I've been thinking about all day. As I closed my eyes on my yoga mat this morning, an image flashed before me. It is the picture you see below.
This is Sedona, Arizona, at sunrise. I visited Sedona at the beginning of January 2015, just a few months after I had started getting truly serious about my yoga and mindfulness practice. I have written about my Sedona experience in a related post called "Yoga and the Vortex" (click here to read it).
What I know now that I didn't know then – is that as I stood atop Airport Road at the break of dawn, watching a lady practicing the sun salutation sequence as the sun rose over the crimson red rocks – my heart felt like a child in total wonder. All my senses were percolating. It's as if I was being shown a glimpse of true bliss.
These many months later, I have more insight into the experience I had that beautiful morning in Sedona.
I believe I was experiencing what many have described as "beginner's mind". This, as has been explained to me by my teachers, is a child-like curiosity about ourselves and our natural surroundings. It is a complete immersion in the experience of non-judgment; a focus on inquiry and observation of all of the five senses.
The beginner's mind, as I have been taught, is a state of being-in-mindfulness that we inevitably finds ourselves returning to as we grow into habit and allow fear to penetrate our thoughts.
This morning, I returned to a state of the beginner's mind that re-fueled my love for the practice of yoga and mindfulness.
I didn't give up. Not one bit. I could feel the fire of tapas burning within me. I could not do many of the balancing sequences because I am still not quite 100% weight bearing on my left foot, but that did not matter. The sweat poured out of me as though it had been awakened from a deep slumber. My body felt alive, alert, and strong. I felt as though I was forging a new pathway for my practice, ever mindful of my body's limitations and where and when to modify my practice as I continue the path of healing. With the image of the Sedona dawn in my mind, I held true to my intention.
As my Yoga Teacher Training resumes next month, there can be no doubt that I will come to my mat with an even greater desire to unpack all of the teachings this practice of yoga and mindfulness offers each of us. I can't wait to practice again with my YTT classmates. They have all been so supportive through this process.
May we all remember to return to the inner child within us when we fall off the track, when the future seems hopeless, or the chaos of the world is enveloping us. May we invoke the beginner's mind and challenge ourselves to reside in a state of non-judgment and self-observation. May we allow ourselves the freedom to explore new pathways and connections in our bodies and our minds, all in the knowledge that this is how it has always meant to be, and that is a wondrous thing.
I wish you love, happiness and hope, always.


text:
Houthis announce redeployment from Yemen ports amid doubts by legitimate govt
Houthi militants patrol a street in Hodeidah in Yemen. (File photo: AFP)
Reuters, Geneva
Published: 10 May ,2019: 12:00 AM GST Updated: 20 May ,2020: 10:52 AM GST
Yemen's Houthi militia will on Saturday start to unilaterally redeploy forces out of three key ports, the United Nations and a Houthi spokesman said, a move labeled as misleading by the Yemeni government, who accuse the militia of violating and stalling a ceasefire agreement.
The statement from the UN's Redeployment Coordination Committee (RCC) said the Houthis would make an "initial unilateral redeployment" between May 11 and May 14 from the ports of Saleef, which is used for grain, and Ras Isa, used for oil, as well as the country's main port of Hodeidah.
The withdrawal would begin on May 11 at 10 a.m. (0700 GMT), the head of the Houthis' Supreme Revolutionary Committee, Mohammed Ali al-Houthi, said on Twitter on Saturday.
The RCC committee, led by Danish Lieutenant General Michael Lollesgaard, head of the UN observer team in Hodeidah, drew up the redeployment plans under a pact agreed last December in Stockholm, Sweden, the first major breakthrough in peace efforts.
At Stockholm, it was hoped the redeployment would happen in January, but its implementation has repeatedly stalled on a lack of trust between both sides.
The Houthis have been accused of violating the ceasefire in the port city of Hodeidah 970 times since it came into force on December 18.
The UN mission will monitor the redeployment, a first step towards concluding the peace agreement, the UN statement said, adding that it must be followed by "the committed, transparent and sustained actions of the parties to fully deliver on their obligations."
The redeployment should allow the United Nations to take "a leading role in supporting the Red Sea Ports Corporation in managing the ports" and to enhance UN checks on cargoes.
The spokesman for the Yemeni government's delegation to the RCC, Sadiq Dweid, said on Twitter that a Houthi withdrawal is "the first step of the first stage. We support the implementation of the agreement."
Yemen's Information Minister Moammar al-Eryani criticized the Houthi offer to redeploy on Twitter, calling it "misleading" and unacceptable if it did not allow for "joint monitoring and verification" as stipulated by the December pact.
The Arab Coalition has reported that the Houthis use the ports to smuggle weapons. The Iran-aligned Houthis say the government would try to choke them off if it gained control.
Yemeni government representative Dweid said his side would hold the United Nations responsible for implementing the December pact "as agreed in terms of verification, monitoring, and the removal of mines, obstacles and military installations".
Last month UN special envoy Martin Griffiths told Reuters the Yemeni government and the Houthi militias had formally agreed a first phase of troop redeployments, while discussions were still underway for the second phase.
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text:
When it matters most
£10,500 pay-out for injured hospital worker
Category: Accident at Work
Thompsons client William Compston from Greenock seriously injured his shoulder whilst working as a driver for his local health board. During his routine duties William was unloading equipment from his lorry when the rear shutter unexpectedly fell, crushing him and seriously injuring his right shoulder. Straight away Mr Compston suspected that a fault in the shutter mechanism had caused the accident. As a member of the trade union UNISON William knew he was entitled to the best personal accident legal advice from Thompsons. His lawyer, Laura Connor, knew that William had a very good case and she immediately began pursuing the claim against the health board as well as gathering evidence from William's colleagues. As an acceptable out of court settlement could not be reached, the case was raised in the Court of Session.
Very sadly not long after court proceedings were raised William passed away due to terminal cancer but his wife Anne Marie was determined that the case went ahead and she began working with Laura Connor to press William's claim. At this stage in the legal process hospital bosses decided they would make Anne Marie an offer of £10,500 for the injuries William had suffered and this was acceptable to both Anne Marie and Laura.
Speaking about what happened Mrs Compston said "I'm very happy about what happened with my husband's case. I've never been one for getting the lawyers involved but I felt very strongly about what happened to William. I did think about giving up but then it's about the principle of the thing not about the money. Laura was lovely, she really supported me a lot through this. I honestly couldn't find fault with any of the service from Thompsons."
Laura Connor, was the lawyer for both the late Mr Compston and his wife Anne Marie, she said "The Compstons have shown a lot of courage and determination through all this. William was a decent hard working man who suffered a very serious injury because of faulty equipment. After his passing Anne Marie was determined to carry on with things and it was a pleasure for me to help her. This is just another example of a strong legal team helping working people hold their bosses to account"