Under California Penal Code Section 466, it is illegal to possess a burglary tool when you do so with the intent to use the tool to commit the crime of burglary. This crime seems straightforward, but the term "burglary tool" may not be familiar to you. What are burglary tools?
Our experienced burglary defense lawyers have been successfully defending clients facing charges for possession of burglary tools for more than 35 years. Let's examine how you could be found in possession of burglary tools under PC 466.
What makes an item a burglary tool? Under PC 466, a "burglary tool" is broadly defined as any object that can be used or adapted to be used to commit theft.
Some of these objects are household items. So, does this mean that you could be charged with possession of burglary tools for carrying a screwdriver? You could, but only if you intended to use it to commit theft.
Under PC 466, you must have had the intent to use burglary tools in an unlawful manner in order to be convicted of possession of burglary tools. Intent is difficult for prosecutors to prove. In order to do so, the prosecution will look to circumstantial evidence.
For instance, let's say you were dressed in all black and were carrying a bag, a crowbar and a Slim Jim while looking inside the window of an empty house. In this case, the circumstances suggest you are going to use those items to help you commit burglary.
Now let's say you were working on your car outside of your home and you realized you locked yourself out. You're looking around your home for another way in and you're still holding the screwdriver you were using to fix your car. The circumstantial evidence in this case suggests that you did not intend to use the tool to commit a crime.
Possession of burglary tools is a misdemeanor offense under PC 466. If you are convicted of this crime, you face up to six months in county jail and a maximum $1,000 fine.
If you or a loved one has been accused of possession of burglary tools, you should speak to an experienced criminal defense attorney at Wallin & Klarich immediately. Our skilled and knowledgeable criminal defense lawyers have been successfully defending clients facing charges of possession of burglary tools for more than 35 years. Let us help you now.
With offices in Orange County, Riverside, San Bernardino, Victorville, West Covina, Torrance, Los Angeles and San Diego, you can find an experienced Wallin & Klarich burglary attorney available near you no matter where you are located.


One hundred ten women competed in the second all-match-play Championship, without sectional qualifying at the East Lake Course of the Atlanta (Ga.) Athletic Club.
Miss Beverly Hanson, of the Fargo (N.D.) Country Club, defeated Miss Mae Murray, 6 and 4, in the final.
This golden anniversary event was noteworthy for the most extra holes ever played in the Championship. Miss Murray defeated Miss Fay Crocker, of Montevideo, Uruguay, on the 27th hole in the fourth round after nine extra holes.
Each player was two under par for the 27 holes. Miss Philomena Garvey went furthest of nine foreign entrants, including members of the British Curtis Cup Team, losing to Miss Hanson in the fifth round.


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Swisse News
Swisse recognised as an Employer of Choice in Australian Business Awards
Victoria Hanlon - Swisse Author
Here at Swisse, we are thrilled to be recognised as an Employer of Choice (EOC) in The Australian Business Awards 2017. The EOC accolade recognises organisations which have developed leading workplaces that maximise the full potential of their workforce through practices that demonstrate effective employee recruitment, engagement and retention.
Elise Morris, Swisse Director of People and Culture, says the award provides important recognition of the organisation's people philosophy.
"We are absolutely delighted to be again named an Employer of Choice. This is a huge honour for Swisse and a recognition of the unique culture we have created which has attracted some of the best people from across the globe. People are at the forefront of everything we do; we fundamentally believe if you focus on people, principles and passion - profit will follow".
"Winning the award two years in a row is great affirmation for us as a business. As we continue to grow and expand our business and team globally we remain committed more than ever to ensuring our culture and brand values remain strong. We are on a mission to make billions around the world healthier and happier and this starts with our team. We are extremely proud of what we have collectively built here at Swisse, it is a testament to our wonderful team." says Ms Morris.
"Innovative human resource management practices play an increasingly important role in sustaining leading edge competitiveness for organisations in times of rapid change and increased competition," said Australian Business Awards Program Director, Ms Tara Johnston.
"There is a close relationship between innovation and employee engagement. Engaged employees often perform at a higher level bringing dedication and interest to their job, which often leads to innovation in the workplace.
"Organisations that incorporate employer branding as an integral part of their overall business strategy will gain a competitive advantage by taking a long-term approach to investing in talent acquisition. Never has current and future talent been more important to business success than it is today," Ms Johnston added.
The key attributes of the Employer of Choice Framework define the characteristics of well-managed, high-performing, industry leading organisations that provide a stimulating and supportive workplace. Entrant organisations are required to demonstrate their achievements across the key areas of Organisational Culture; Leadership & Strategy; Employee Education, Training & Development; Employee Health, Safety & Satisfaction; Performance Management; Recognition & Remuneration.
For more information on The Australian Business Award for Employer of Choice and the 2017 EOC Winners, go to www.employerofchoiceawards.com.au.

redpajama_set_name: RedPajamaCommonCrawl


Dr. Crumbine in the State Board of Health office.
Dr. Samuel J. Crumbine (1862 - 1954), a public health pioneer renowned for his innovative methods of improving public health protection. The Award is given annually to local environmental health jurisdictions that demonstrate unsurpassed achievement in providing outstanding food protection services to their communities.
The Samuel J. Crumbine Consumer Protection Award is a prestigious award given annually to local environmental health jurisdictions that demonstrate unsurpassed achievement in providing outstanding food protection services to their communities. The purpose of the award is to encourage innovative programs and methods that reduce or eliminate the occurrence of foodborne illnesses, recognize the importance of food protection at the local level and stimulate public interest in foodservice sanitation. Often, winning programs offer "best practices" that may be used by others to advance their own food protection programs.
The award is named in honor of Dr. Samuel J. Crumbine (1862 - 1954), a sanitarian-physician and public health pioneer who was renowned for his innovative methods of improving public health protection. The Samuel J. Crumbine Consumer Protection Award was established in his honor in 1954 and was first awarded in 1955.
In additional to national recognition and well-deserved accolades, winning programs receive the Crumbine Award plaque, consisting of a bronze Crumbine medallion and engraved plate. Key individuals from winning programs (typically the health officer, the immediate supervisor of the food program and the chief sanitarian) also receive engraved Crumbine medallions.
Presentations of these awards are made at the annual meetings of the International Association for Food Protection, the National Association of County & City Health Officials, and the National Environmental Health Association. In addition, Crumbine Award lapel pins are distributed to the winning program's staff, at the discretion of the program director.


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Claire Livingstone
Head of Religion and Philosophy
Religious Studies includes a detailed study of philosophy and ethics in addition to theology, and equips students with the skills of analysis and evaluation that are transferable to all subjects studied at university, as well as being important life skills.
Hear from Claire Livingstone
GCSE Religious Studies comprises a study of Christianity and Islam as lived religions within the UK and throughout the world, and their beliefs and teachings.
Within Christianity we cover issues such as equality, gender, family life, and matters of life and death, while for Islam we look at, among other things, issues of pacifism, holy war, and crime and punishment, including forgiveness and the death penalty.
Religious Studies GCSE challenges our pupils to think deeply about important and timely issues in society, from both religious and secular perspectives. We are very fortunate that all our teachers are subject specialists with many years' experience between us and dedicated teaching rooms.
Through this course boys develop a very strong understanding of theological and ethical arguments, while being taught how to evaluate and respond to them with reasoned arguments of their own – these are key life skills that will stand any boy in good stead. As one boy remarked, "I think everyone should do this subject!"
The Exam Board is Edexcel Religious Studies B:
Christianity: Religion & Ethics
Islam: Religion, Peace and Conflict
There are two exams of 1h 45mins each, one per faith.
A-Level Religious Studies comprises a study of theological, ethical, and philosophical developments in religion. We focus on the Christian tradition, looking at issues such as the nature of, and arguments for, God; whether Jesus was a social revolutionary; challenges to religious faith from evil and suffering and New Atheism; religious language; the nature of religious and secular ethics.
A-Level Religious Studies is taught exclusively by specialists in all three papers in dedicated teaching rooms. Pupils are challenged to think deeply about complex issues such as the relationship between language and reality, what makes an action right or wrong, and how literally scripture might be interpreted. Over the two years of A-Level, boys are taught to recognise strong arguments, to use scholarship to bolster their views, and to actively engage with independent reading – all fundamental skills for university and beyond. Past pupils have gone on to read subjects as diverse as Law, PPE, Medicine, History, Drama, and Mathematics.
The Exam Board is Eduqas Religious Studies: Ethics, Philosophy & Theology. There are three exams of 2 hours each.
Religious Studies complements any subject, but boys who study the Sciences, History, Psychology, or Politics might find it a particular fit. Skills and knowledge taught in this subject are of particular interest in Law, Medicine, the Civil Service, Journalism, Media and Advertising.
Subject enrichment includes the Philosophy Society and essay competitions.


Rin Mikimoto's shōjo manga series Kin Kyori Renai will get a live-action film adaptation this October starring former NEWS group member Tomohisa Yamashita. Yamashita (Kurosagi, Dragon Zakura, Ikebukuro West Gate Park, Ashita no Joe) will star in the film as a tsundere (initially aloof and abrasive, but later kind-hearted) teacher named Haruka Sakurai.
The original manga depicts the love story between the handsome tsundere teacher Haruka and the super cool genius female high school student Yuni Kururugi. Haruka toys with every woman he sees — including Yuni — striking a balance between his cold demeanor and harsh language and actions that make women's hearts throb. Mikimoto launched the series in Kodansha's Bessatsu Friend magazine in 2008, and Kodansha published the 10th and final compiled volume in 2011.
Commercial actress Nana Komatsu is making her film debut as Yuni. Nozomu Kotaki ( Kamen Teacher ) will play Ikuhaba, a former delinquent and Yuni's classmate who is also in love with her. Mizuki Yamamoto (Black Butler, Zekkyō Gakkyū) will play Kikuko Nanami, Yuni's classmate and the only one who understands her. Additionally, Asami Mizukawa (Nodame Cantabile, Dark Water) will play Sakurai's ex-girlfriend Mirei Takizawa, and Hirofumi Arai (live-action Space Brothers, Kiki's Delivery Service) will play Yuni's cousin and Haruka's fellow teacher Akachi.
Live-action Kimi ni Todoke director Naoto Kumazawa is directing the film, which will open in Japan on October 11.


Rhea Kapoor shared a picture on her behalf Instagram story where her sister Sonam Kapoor with another friend huddle together.
Rhea Kapoor and Sonam Kapoor often collaborate on assignments like the lately released Veere Di Wedding.
Looks like acting professional Sonam Kapoor and sister Rhea Kapoor's fun times in London are definately not over. The company little princess of Anil Kapoor placed a photo on her Instagram story in which she can be seen with her sister Sonam and friend Tamara Ralph. They huddle along for a picture, which Rhea captioned 'Such a fun evening @Sonamkapoor @tamararalph thanks a lot for the hook up @anandahuja'.
A plush London visit to June, what more could one ask for?
On work forward, the formidable sister duo have conquered the pack office with the new movie. Along with the desires of Kareena Kapoor Khan, Swara Bhaskar and Shikha Talsania, Veere Di Wedding has been creating special at the package office since the day of its release.
Documenting the lives of four metropolitan Indian women and their studies and tribulations, the film was marketed by the gang as 'Not A Click Flick'. Obviously, the film and it's really theme have handled the hearts and minds of many. The film's current amounts (Rs 77.83 cr. India biz) as on Weekend provided by film trade analyst Taran Adarsh, look impressive.


The stories that I have read both have dreams. Both of the stories have dreams that are virtually impossible to achieve. Although the dreams in the book are set in very different times and are very different to each other, they are suitable for that period of time. Both the authors show that dreams are always present everywhere no matter where they are and when they take place. Both of the authors write from there own past experience, one way or another.
George and Lenniei?? s dream is to 'liv of the fata the lani??. This means that they dream to buy their own land and be there own boss and work there every day.
They also want to be fed from there and Lennie wants to 'tendi?? his rabbits. As soon as candy finds out that George and Lennie have a dream, Candy 'buysi?? in to it by offering all his savings. Lennie and George are outcasts and exiles, the reason for this is for the fact that they are itinerant workers and they always work together and go everywhere with each other. This makes them outcasts because they always go everywhere together where as compare to other people at that moment in time every one went on their own. Michaeli?? s reality is common and typical.
There is nothing fascinating in his life apart from his nephew little Frank. Michael is unemployed and searches for work virtually everyday and he lives on his own. His family sees him as a failure in life. Michael doesni?? t see himself in that way. In Michaeli?? s dream he see himself as a rich and a wealthy person whose son like friend little frank is the most important thing to him. Michaeli?? s dream also comprises a castle in the air, which he possesses and is very proud to have. His dream is about caring for little Frank and being cherished in the society.
George and Lenniei?? s 'dream farmi?? is a version of the American dream. All American people dreamt this dream. The 'dream farmi?? represents ambition and the possibility of escape from the itinerant workeri?? s loneliness and poverty. Georgei?? s vision is an example of the second kind of unhappy vision, when he sees his future as unending, aimless drifting: "Ii?? ll take my fifty bucks ani?? Ii?? ll stay all night in some lousy cat house. Or Ii?? ll set in some pool-room till everi?? body goes homei?? i??. In the sub-text of 'The Poor Relationi??
, Dickens is commenting on the Victorian society. Dickens is trying to say that in Victorian times it was hard to get respected. The most imperative quality at that time was being rich and being a businessman. Dickens is also saying that even if you are respected and are gracious you wont have as much associates as a person who is rich and a businessman. Money was the source to everything at that time, together with friendship. What the America people didni?? t understand was the fact that the American dream was the 'American nightmarei??. Thati??
s because only a limited number of Americans could achieve this dream and the rest would just have it as a wish. Everyone could not achieve this dream because all and sundry cannot be there own bossi?? s as this would lead to an economic collapse. This is why iti?? s described as the 'American nightmarei?? Both authors set their stories in there own times so they can comment upon it. They didni?? t write stories that were either in the future or the past. They established their stories on reality. Writing in the present increased the number of audiences for the book at that time.
The reason for that is because the audience can see themselves fit in to those circumstances. Consequently they would prefer this rather then something that doesni?? t match their circumstances. The narrative structure used by each writer is very different. Stienbeck has made a play-type of structure. Thati?? s because at the start of every chapter he describes the setting first and then starts the story. This is completely different to the way that Charles Dickens writes. Charles Dickens uses a frame story containing two inner stories, which are told by Michael.
In my opinion this is an arduous way of writing compare to that of Stienbecki?? s method. The kind of language that the writeri?? s use is completely different to each other but are both appropriate to the time they wrote in. Stienbeck uses a colloquial style with swear words and slang to add realism to his characters and situation. Like when George says 'If that crazy bastards foolini?? around… i?? this style of language was everyday language in that time. The language that Dickens uses is very sophisticated and ornate style; this was appropriate to his literate age.
The reason for that is because in that time people tried to gain respect and loyalty so therefore they had to use posh style language. Stienbeck and Dickens both use imagery but Stienbeck uses a lot of imagery compare to Dickens. The only important imagery that Dickens uses is that of the 'Castle of the Airi?? imagery, whereas Stienbeck uses a lot of imageries like in the first section of the book he says i?? On the sand-banks the rabbits sat quietly as little grey, sculptured stonei??. Another imagery that he uses is i??
A big carp rose to the surface of the pool, gulped air, and then sank mysteriously in to the dark water againi?? i?? Stienbeck uses a lot of different types of imagery where as Dickens uses a limited amount. Both of the authors are trying to state the fact that dreams doni?? t always come true. The society denies it one way or another. Michaeli?? s dream is impossible to achieve simply because a castle in the air is impossible to construct, but the atmosphere that he wishes to have is possible to have which is that he wants people to care and have admiration for him. George and Lenniei??
s dream is destroyed by the society, people who were in the bunkhouse. Their dream is destroyed by the society because Lenniei?? s mistake which led to his own death. This was very misfortunate for George and Lenniei?? s dream. Although the storyline of both of the books are different, the point that they are trying to make is very analogous to each other which is that dreams can be denied be society. Show preview only The above preview is unformatted text This student written piece of work is one of many that can be found in our GCSE John Steinbeck section.


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Advocates blame oil giants for climate change, call Chevron No. 1 culprit
Local // News
Kurtis Alexander Sep. 12, 2017 Updated: Sep. 12, 2017 5:47 p.m.
Advocates blame oil giants for climate change, call...
1of7The Chevron refinery in Richmond, Ca., as seen on Tuesday September 12, 2017. A new study is laying blame for the warming of the planet on 90 companies, with Chevron and Exxon squarely at the top of the list.Photo: Michael Macor, The Chronicle
2of7Vehicles refuel at a Chevron station in Point Richmond, Ca. on Tuesday September 12, 2017. A new study is laying blame for the warming of the planet on 90 companies, with Chevron and Exxon squarely at the top of the list.Photo: Michael Macor, The Chronicle
4of7The Chevron logo near the front entrance into the Chevron refinery in Richmond, Ca., as seen on Tuesday September 12, 2017. A new study is laying blame for the warming of the planet on 90 companies, with Chevron and Exxon squarely at the top of the list.Photo: Michael Macor, The Chronicle
5of7Storage tanks dot the hillside at the Chevron refinery above Point Richmond, Ca., as seen on Tuesday September 12, 2017. A new study is laying blame for the warming of the planet on 90 companies, with Chevron and Exxon squarely at the top of the list.Photo: Michael Macor, The Chronicle
6of7Cars enter the Chevron refinery in Richmond, Ca., as seen on Tuesday September 12, 2017. A new study is laying blame for the warming of the planet on 90 companies, with Chevron and Exxon squarely at the top of the list.Photo: Michael Macor, The Chronicle
As scientists worry that climate change is stoking deadly hurricanes in the Atlantic and punishing wildfires in the West, a new study seeks to drive change by casting blame, connecting global warming to a roster of 90 companies topped by Bay Area-based Chevron.
The products these companies generate — mostly oil, gas and coal — have caused half of the increase in global temperatures since the 1800s, according to the report published in the journal Climate Change. Some of the firms have been responsible for nearly 3 percent of the total carbon dioxide driving global warming, the report said, though they knew in some cases that their actions were harmful.
The study is the latest piece of a broad effort to tie individual companies to climate change in a bid to pressure them and force reforms. It comes as scientists hone their ability to assign accountability for the cost of a warming planet, and as President Trump, who has called climate change a hoax, leads an administration that is stripping away rules designed to curb emissions of problematic greenhouse gases.
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With the vacuum of federal regulation, some legal experts and environmental advocates said, the fight over global warming — and the emerging question of who should pay for its damage — will increasingly move to the courts. There, studies like the one published last week may be powerful evidence.
"We're seeing a lot of litigation around climate change and environmental issues now because the government is walking away from its obligation to protect human health and welfare," said Michael Burger, executive director of the Sabin Center for Climate Change Law at Columbia University in New York. "This (new report) is exactly the sort of study that plaintiffs will rely on in seeking to attribute blame for climate change."
So far, the legal effort to address global warming has focused primarily on getting regulators to do more. But lawsuits filed this summer by Marin County, San Mateo County and the Southern California city of Imperial Beach (San Diego County) target oil companies directly.
In the closely watched case, the three communities are suing 37 fossil-fuel producers over damage they say is caused by rising seas.
The new report is authored by a group of researchers connected through the Union of Concerned Scientists, a nonprofit advocacy group. San Mateo County attorney John Beiers called the report, which suggests that the 90 companies responsible for increasing temperatures are behind 30 percent of sea-level rise, an "important peer-reviewed study that confirms key elements" of his lawsuit.
Some legal experts said the study could also bolster high-stakes investigations led by attorneys general in New York and Massachusetts over ExxonMobil's contribution to global warming. The issue there is whether the company misled investors about the damage it was doing.
Neither ExxonMobile nor Chevron responded Tuesday to requests for comment. The science of attributing climate change to specific companies remains young, and critics of the latest report have said the methodology is simplistic and the conclusions riddled with error. Another difficult question is how much responsibility consumers bear for using products and services they know contribute to global warming.
The study built on a 2013 report that estimated 90 companies were responsible for nearly two-thirds of greenhouse gas emissions. Using similar models that quantify the amount of heat-trapping gas released through the extraction and development of fossil fuels, the study attributed levels of emissions to individual companies. The new study goes a step further, calculating how much a company's emissions contributed to climate change.
The biggest culprits, it said, were in the business of oil, gas and coal, many with household names, while a few were cement manufacturers. Investor-owned Chevron, ExxonMobil, BP and Shell were each said to be responsible for 2 to 3 percent of increasing temperatures and sea-level rise between 1880 and 2010. State-owned companies in Saudi Arabia, Russia and the United Kingdom posted similar numbers.
Peter Frumhoff, one of the study's authors and the chief climate scientist at the Union of Concerned Scientists, said the findings on emissions provide evidence needed to begin going after those behind global warming.
"We can put a number on the contribution to climate change on specific companies," he said. "That's been a missing link in the conversation about responsibility, including legal responsibility."
With hurricanes Harvey and Irma causing tens of billions of dollars in damages this month, and one of the worst wildfire seasons causing hundreds of millions in losses in the West, Frumhoff predicted an uptick in such lawsuits, especially with federal regulators sitting on the sidelines. While identifying exactly how much global warming contributed to each of these disasters remains difficult, there's consensus among scientists that warming raised the probability the events would occur and worsened the blow.
"The costs of climate change are enormous and growing," Frumhoff said. "It seems to me that it's appropriate for decision-makers at all levels to determine whether there are actionable steps, as were taken against tobacco, asbestos and lead companies."
Burger, at Columbia University, cautioned that fighting for government regulators to take action on greenhouse gas emissions remains imperative. The science showing the benefit of regulating the gases is unequivocal.
"The role of the science in litigation is not going to get ferreted out for years," Burger said. "Why isn't the existing science moving the government to take direct action? That seems to be the primary problem."
Kurtis Alexander is a San Francisco Chronicle staff writer. Email: kalexander@sfchronicle.com Twitter: @kurtisalexander
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Kurtis Alexander is a general assignment reporter for The San Francisco Chronicle, frequently writing about water, wildfire, climate and the American West. His recent work has focused on the impacts of drought, the widening rural-urban divide and state and federal environmental policy.
Before joining the Chronicle, Alexander worked as a freelance writer and as a staff reporter for several media organizations, including The Fresno Bee and Bay Area News Group, writing about government, politics and the environment.
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Kerr's Pink was originally bred in Scotland in 1907 but within a decade had been exported to Ireland where it quickly became established as a staple variety. With a light pink skin and a cream coloured flesh they have a floury texture making them perfect for mashing, roasting, wedging and baking. They can also be boiled or steamed but be sure to keep an eye on them as they will break up easily.
Kerr's Pink variety can be found in our Irish Favourites selection box.
The unusually hot weather this year affected the size and yield of our Kerr's Pink. If you have a preference on what size potatoes you would like us to send, please let us know when you order.


Broadway's "Breakfast At Tiffany's". . HD Wallpaper and background images in the 연기 club tagged: photo broadway breakfast at tiffany's emilia clarke actress poster stage acting.
This 연기 photo might contain 기호, 포스터, 텍스트, 칠판, 사인, and 서명.


More than 350 students from 17 local middle and high schools gathered Oct. 9 at the University of Delaware's Clayton Hall for the fifth Siegfried Youth Leadership Program.
Siegfried returns biannually to his alma mater to host this unique program in collaboration with his company, The Siegfried Group, the Center for Economic Education and Entrepreneurship (CEEE) in UD's Alfred Lerner College of Business and Economics and Junior Achievement of Delaware. The SYLP website states that the purpose of the program is to help youth in the community transform themselves to become better individual leaders, which enables them to enrich their personal and professional lives, now and in the future.
The conference will be back on UD's campus in February 2019 to reach even more local students with Siegfried's lessons in leadership.


(NaturalNews) The sea of humans that is streaming illegally into the United States at present has a lot more implications than just political, though that aspect of what is happening along the U.S. Southwest border is covered more frequently by the media than anything else.
But in reality, there are more important concerns than just the politics of this situation. There are national security concerns, of course, because as it stands, there is simply no way to ascertain exactly who is coming into the country, because there are so many.
Many of the thousands of illegal immigrant children and teens crossing the United States border are carrying deadly contagious diseases that could easily create a major health crisis in this country, doctors say.
In an exclusive interview with Breitbart News, Dr. Jane Orient, an internal medicine specialist and the Executive Director of the Association of American Physicians and Surgeons (AAPS), said that, by admitting these huge groups of children who come from countries where medical screenings are minimal and hygiene is poor, the United States is at risk for epidemics of serious diseases and viruses that the nation has not seen in years.
"Tuberculosis (TB) is the single most dangerous disease because it is highly contagious and can be easily picked up at the mall, at a school, or on the bus," Orient told Breitbart News. "Cases coming from south of the U.S. border can be very resistant to medications. They don't respond to traditional antibiotics, and the few drugs they may respond to are often toxic, with lots of side effects."
"Legal immigrants have always been required to undergo health screenings," Orient added, "but these kids coming have no medical screenings and no vaccine records. They're likely coming here with a number of infectious diseases that will spread like wildfire."
She explained that norovirus "is also an extremely contagious virus with symptoms such as vomiting and diarrhea. All we need is one outbreak of that virus and we would have an overwhelming public health crisis."
The U.S. healthcare system, already overwhelmed in many states thanks to poor public policy and overregulation by the federal government, is teetering in the balance, Orient warned.
"We use a lot of intravenous fluids to rehydrate people who have these types of illnesses. What if we have a shortage of IV fluids? Our emergency rooms would be overloaded."
Continuing, she said, "We no longer have natural immunity against diseases such as measles and chicken pox because we haven't had them in this country for years. Many doctors have never even seen these diseases so may not recognize them."
Dr. Elizabeth Lee Vliet, a physician who practices in Dallas and Tucson, says a health crisis in the U.S. is looming. She said "invisible travelers" are coming into the United States, and Americans risk outbreaks of TB and measles, hepatitis, malaria and dengue fever.
"A public health crisis, the likes of which I have not seen in my lifetime, is looming," Vliet stated.
Border states are cracking down on the situation, in light of the Obama administration's inattentiveness and lax enforcement.
Officials in Texas, for instance, have ordered state troopers to "surge" to the Texas-Mexico border to staunch the flow of immigration; the few federal agents tasked with the job are overwhelmed.
Gov. Rick Perry, Lt. Gov. David Dewhurst and House Speaker Joe Straus signed off on a plan to spend $1.3 million a week to try to combat the problem, even as a group of conservative state lawmakers asked them to call the legislature back to work in a special session to address the situation.
"Texas can't afford to wait for Washington to act on this crisis and we will not sit idly by while the safety and security of our citizens are threatened," Perry said in a statement. "Until the federal government recognizes the danger it's putting our citizens in by its inaction to secure the border, Texas law enforcement must do everything they can to keep our citizens and communities safe."


As chair of the Foundation Board from 1993 to 1996, when UVU was Utah Valley State College, Snow played a key role in initiating the first four-year degree programs. The majority of Utah Valley's students who apply to BYU are not accepted, and Snow and many others felt the valley needed a good college for the rest of its students. They fought to make UVSC that college.
Back in the nineties, UVSC struggled to get funding from the state legislature. Snow knew the legislature would never approve four-year degrees if the school requested funding for them, so he encouraged President Kerry D. Romesburg to ask that the degrees be appointed without funding. They were, and Snow worked with the rest of the Foundation Board to raise money for those degrees. The owner of MST Trucking Inc., Snow had many business connections in the community, and he tirelessly promoted the college to them and revved their interest in its success. This helped net crucial gifts and established important friends who still support the University today.
Snow says that the lack of state funding for four-year degrees is one of the reasons UVU lagged behind other Utah schools in per-capita funding until recently. "But on the other hand, we would never be a university today had we not gotten those four-year degrees back then," he said. He also feels strongly that the University never abandon the trades and that it continue to offer two-year degrees.
After chairing the Foundation Board, Snow went on to chair the UVU Board of Trustees. He has also served on the Utah System of Higher Education Board of Regents and has chaired the State Board of Education. In 1998 he was appointed by former Governor Mike Leavitt to fill a vacant seat in the Utah House of Representatives.
Snow loves to point out that there are now more students transferring from BYU to UVU than vice versa. "They come to UVU for the smaller class sizes, and they love the faculty and staff," he said. Two of Snow's daughters attended UVU, and Snow hopes all ten of his grandchildren will consider it.


We look forward to seeing you this week at the Michigan Football Coaches' Clinic! Registration begins on Thursday at 4:30 PM and will conclude at 6:30 PM. If you are unable to arrive at that time (or that day), please come to the northeast entrance of Crisler Center upon arrival.
The address for Crisler Center is 333 E. Stadium Boulevard, Ann Arbor, MI 48109.
Parking lots at Crisler Center will open at 4 PM on Thursday. Cars that are parked before 4 PM will be ticketed.
Parking is limited - we encourage coaches to carpool.
Parking attendants will be present at our Stadium Boulevard entrance to Crisler Center throughout the entire clinic. They will give you parking instructions as lots fill up.
Overnight parking is not permitted on the Michigan Athletic Campus (your car will be towed if left overnight).
FRIDAY PARKING - If you check in on Thursday, you may show your clinic name tag to the parking attendant to expedite the parking process.
Each coach is registered under his or her own last name and tables will be split up alphabetically at the northeast entrance of Crisler Center.
You may be asked for photo ID, please bring ID with you to registration.
You will receive a bag with a notepad, pen, wristband, and schedule along with your name tag.
If you are checking in for the clinic on Friday, please come to the northeast entrance of Crisler Center starting at 7:30 AM - the welcome begins at 8:15 AM.
Meals will be served at buffets throughout the entire Crisler Center concourse. Limited table seating is available; coaches are invited to sit in the arena seats, at the tables on the Crisler floor (only during meal times), and use the various tables set up throughout the concourse. Please see this diagram for more information: COACHES' CLINIC MEAL SET-UP. Coffee will also be available throughout the day.
If you have any special dietary needs or questions, please contact Cottage Inn Catering at timparent@cicatering.com. Vegetarian and holiday observation meals will be available by request at the concessions stand between sections H and I on the concourse.
Your name tag from check-in must be worn and remain visible during the entire clinic, including Saturday's practice. Event team members will be on site checking for this name tag. If your tag is lost, it cannot be replaced.
At practice, please remain in the stands at all times.
Please do not take still pictures or video of practice.
Practice content is not to be published on any form of social media or message board.
Most clinic speakers prefer that their sessions are not videotaped or recorded.
Only clinic attendees are permitted to attend practice on Saturday - guests and family members are not permitted.
We appreciate your cooperation as we do our best to accommodate the nearly 2000 coaches that will be in attendance.
We are unable to accept walk-in registrations on any day. If you have any questions, please contact me at kellyv@umich.edu or (734) 763-4443.
For information on how to attend spring practice as a high school coach, please email guidry@umich.edu.
Campus Information Center (maps, directions, etc).


Cha -Ching with the Bitcoin Bling: 4 Strategies to Get Yours — The Start UP CEO Enter my thoughts and my ideas.
If you haven't heard of the latest craze in investing, you've been under a rock. It's being called a risky business investing in highly volatile bitcoins and other cryptocurrencies. The future of virtual money has hit the mainstream and it is hot right now. With no physical presence, these currencies are all electronic or virtual in nature. They don't even have intrinsic value. However, no one can deny that right now these cryptocurrencies are extremely valuable and those who invested in the early days, and held on to their investments, are living the high life now as multi-millionaires and some have claimed the title of billionaires! Does it pay to get in early? Well… it depends on who you ask.
I invested $40 dollars in Bitcoin in 2015. The last surge I saw my investment climb to $800. Wowzer.. off of $40??? If that's a great indication of the future, well I'm jumping on the bandwagon looking for a greater return. Nevertheless, as my grandmomma would always say, "Never put all your eggs in one basket." What a wise woman she was.
Here are 4 investing strategies that I've gathered along the way.
It's basically a given for cryptocurrencies that they are going to be extremely volatile. One minute the price is sitting at 5 digits, and the next it's at 4 or even 3 digits! It's unpredictable and if you don't take its volatility seriously, you could get in a lot of trouble. You could panic and sell off your crypto so you can minimize your loss.
However, if you've braced yourself for scenarios like this, then you'd probably just shut down your computer, or turn off your TV, and lie down and sleep off your doubts. Tomorrow is a different day, the price could go back up, and all will be fine with the world. Being prepared for volatility is tough, but it's doable.
I hope you found this information interesting and enlightening. Connect with me on Instagram for information, inspiration and motivation to push you out of your comfort zone. Let's start, market and grow to our next level.


Most Finish products are designed with particularly tough stains in mind, however Finish Quantum with Powergel has been particularly effective against stains like tea and coffee.
Coffee and tea evaporate in a way slightly different to other liquids, leaving highly concentrated stains in smaller areas, this means that detergents have to work harder, and in much smaller areas, just to remove these stains. Finish is incredibly efficient at breaking down these coffee stains, and works very fast to ensure you get a perfect clean for a great dishwasher detergent.
If the stain has dried on for a very long time, or you're finding those stains exceptionally difficult to shift, then one way of tackling these, is to fill your stained mugs with boiling water, then add in a few tablespoons of Finish Concentrate Powder, or a Finish Quantum Tablet. If you leave your mugs overnight for the cleanser to tackle the stains, then thoroughly rinse them out the next morning, you should be delighted to find that those stubborn rings have gone for good.


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Fitch Revises SCOR Outlook To 'Positive'
Fitch Ratings said it has upgraded the outlook on its "A" rating of SCOR SE and its subsidiaries to "positive" from "stable" to reflect "the resilience of the group's financial strength."
By Caroline McDonald | August 25, 2010 at 08:00 PM
NU Online News Service Aug. 26, 12:19 p.m. EDT
Fitch Ratings said it has upgraded the outlook on its "A" rating of SCOR SE and its subsidiaries to "positive" from "stable" to reflect "the resilience of the group's financial strength."


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Hares, The, Smoking In Bed LP
The debut album from The Hares has the immediate impact of being hit by a diesel-powered locomotive being driven by Jerry Lee Lewis at his most manic. The San Antonio seven-piece hijack rock'n'roll, drive to New Orleans, marry it in a drive-thru chapel and then kick it to the curb because it looked at another man funny. Twelve tracks of foot-stompin', hoot-n'-hollerin' rock'n'roll propelled by an insanely tight and powerful horn section and steeped in hoodoo, voodoo and bootleg liquor. The disc is modern yet evocative of timeless artists such as Irma Thomas, Fats Domino and Little Richard. This is a record that shakes you by the collar and doesn't let go until your clothes have fallen off and you're happy about it. If Screamin' Jay Hawkins had a punk band today it would be The Hares. The white vinyl pressing contains a full lyric sheet.
"Smoking In Bed CD"


When I purchased my original iPad I also bought Apple's iPad Camera Connection Kit—the two adapters that let you import pictures via USB or an SD card. I now have an iPad Air and wondered if there was some way I could continue using them.
The answer is yes, you can continue to use them with the assistance of a Lightning to 30-pin Adapter, such as the $29 model offered by Apple. You just place it between the iPad and original camera connection adapter and you'll still be able to import your images from a connected camera or SD card.
Alternatively you can start fresh by purchasing an adapter specifically made with the Lightning connector in mind. Apple offers two in the form of the $29 Lightning to USB Camera Adapter and the just-as-$29 Lightning to SD Card Camera Reader. If you use only one of the adapters that came in the original iPad Camera Connection Kit it's six-of-one, half-dozen-of-another. If, however, you found a use for both of the original adapters, pay $29 once and get the Lightning to 30-pin Adapter.


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Tag: TARP
Uncle Sam's Trillion-Dollar Portfolio Partly Offsets the Public Debt
When policy folks talk about America's federal borrowing, their go-to measures are the public debt, currently $12 trillion, and its ratio to gross domestic product, which is approaching 75 percent. Those figures represent the debt that Treasury has sold into public capital markets, pays interest on, and will one day roll over or repay.
These debt measures are important, but they paint an incomplete picture of America's fiscal health. They don't account for the current level of interest rates, for example, or for the trajectory of future revenues and spending. A third limitation, the focus of this post, is that the public debt doesn't give Treasury any credit for the many financial assets it owns.
As we noted last week, Uncle Sam has been borrowing not only to finance deficits but also to make student loans, build up cash, and buy other financial assets. That portfolio now stands at $1.1 trillion, equivalent to almost one-tenth of the public debt.
Those assets have real value. They pay interest and dividends and could be sold if Treasury ever cared to. In fact, Treasury has sold many financial assets in recent years, including mortgage-backed securities and equity stakes in TARP-backed companies, even as it expanded its portfolio of student loans.
One way to take account of these holdings is to subtract their value from the outstanding debt. The rationale is straightforward. If Ann and Bob each owe $30,000 in student loans and have no other debts, they both have the same gross debt. But that doesn't mean their financial situations are the same. If Ann has $10,000 in the bank and Bob has only $5,000, then Ann is in a stronger position. Her net debt is $20,000, while Bob's is $25,000.
The same logic applies to the federal government: $12 trillion in debt is easier to bear if the government has some offsetting financial assets than if it has none. That's why both the Office of Management and Budget and the Congressional Budget Office regularly report the public debt net of financial assets. The net debt isn't a perfect measure; many assets are harder to value than Ann and Bob's bank accounts, and official valuations may not fully reflect their risk. Nonetheless, as CBO has said, the net public debt provides "a more comprehensive picture of the government's financial condition and its overall impact on credit markets" than does the gross public debt.
The net debt is now a bit less than $11 trillion or about 68 percent of GDP. That's more than $1 trillion less than the usual, gross measure of public debt, or about 7 percent of GDP. That difference was only 3 percent of GDP as recently as 2006. Under President Obama's budget, it would expand to almost 10 percent by 2023, with financial assets growing twice as fast as the public debt.
Financial assets are thus playing a bigger role in America's debt story. Accumulating deficits remain the prime driver of the debt. But the expansion of Uncle Sam's investment portfolio means the growing public debt overstates America's debt burden.
This post was coauthored by Hillel Kipnis, who in interning at the Urban Institute this summer.
Author DonaldPosted on June 24, 2013 Categories Budget, Finance, MeasurementTags Budget, Debt, Finance, Measurement, Student Loans, TARP5 Comments on Uncle Sam's Trillion-Dollar Portfolio Partly Offsets the Public Debt
Uncle Sam's Growing Investment Portfolio
The federal government has been borrowing rapidly to finance recent budget deficits. But that's not the only reason it's gone deeper into debt. Uncle Sam also borrows to issue loans, build up cash, and make other financial investments.
Those financial activities have accounted for an important part of government borrowing in recent years. Since October 2007, the public debt has increased by $6.9 trillion. Most went to finance deficits, but about $650 billion went to expand the government's investment portfolio, including a big jump in student loans. Before the financial crisis, Uncle Sam held less than $500 billion in cash, bonds, mortgages, and other financial instruments. Today, that portfolio has more than doubled, exceeding $1.1 trillion:
Financial crisis firefighting drove much of the increase from 2008 through mid-2010. Treasury raised extra cash to deposit at the Federal Reserve; this Supplemental Financing Program (SFP) helped the Fed finance its lending efforts in the days before quantitative easing. Treasury placed Fannie Mae and Freddie Mac, the two mortgage giants, into conservatorship, receiving preferred stock in return; shortly thereafter, Treasury began to purchase debt and mortgage-backed securities (MBS) issued by Fannie, Freddie, and other government-sponsored enterprises (GSEs). And through the Troubled Asset Relief Program (TARP), Treasury made investments in banks, insurance companies, and automakers and helped support various lending programs.
Together with a few smaller programs, these financial crisis responses peaked at more than $600 billion. Since then, they have declined as Treasury sold off all its agency debt and MBS and most of its TARP investments and as quantitative easing, in which the Fed simply creates new bank reserves, eliminated the need for cash raised through the SFP.
Those declines have been more than offset by the government's growing student loan portfolio. The federal government used to subsidize student borrowing not only by providing loans directly to students, but also by guaranteeing many private loans. In 2009, however, Congress eliminated private guarantees and dramatically expanded direct federal lending. The government's portfolio of student loans has since increased from about $90 billion at the start of fiscal 2008 to more than $560 billion today.
As a result, the government's financial investments now total about $1.1 trillion, essentially all of which was financed by borrowing. The debt supporting Uncle Sam's investment portfolio thus accounts for almost 10 percent of the $11.9 trillion in public debt.
Source: The Federal Reserve Financial Accounts (formerly known as the Flow of Funds), Daily Treasury Statement, and the President's Budgets. The figures here compare balances as of March 31, 2013 (most recent available) with balances as of September 30, 2007 (the end of fiscal 2007). We define financial investments to be all the federal government's financial assets except for official reserve assets, trade receivables, and tax receivables; this definition approximates those used by the Office of Management and Budget and the Congressional Budget Office in certain debt calculations.
Author DonaldPosted on June 17, 2013 June 18, 2013 Categories Budget, FinanceTags Budget, Debt, Federal Reserve, Finance, Student Loans, TARP5 Comments on Uncle Sam's Growing Investment Portfolio
A Second Thought on the Cost of TARP
Two commenters (Jack B. and John L.) raise an important point about the $25 billion price tag that the Congressional Budget Office recently placed on the Troubled Asset Relief Program. Their concern is that the $25 billion figure includes some impacts that should rightfully be attributed to other government actions, not to TARP itself.
To illustrate, suppose that Treasury used TARP to buy $10 of preferred stock in Bank X in 2008 and that a year later Treasury sold its position for $12, including accrued dividends. This investment would be recorded as achieving a $2 profit in TARP (subject to one technical caveat, see below).
That's the normal way of calculating profit on an investment, and is what CBO was instructed to do for its part of TARP oversight. But as Jack and John point out, there's an important complication here. During the year, the federal government undertook many other policy actions which may have boosted the value of Bank X (remember all the new acronyms?). From the perspective of policy evaluation, some or all of the $2 gain should be attributed to those other policies, not TARP.
It could be, for example, that absent further action, Bank X would have struggled, leaving Treasury with stock worth only $6. Other government actions, however, breathed enough life into the company (or, at least, boosted the value of its assets) that the stock ultimately became worth $12.
In that case, you could argue that TARP, by itself, resulted in a $4 loss, while the other government actions created a $6 gain. That puts the budgetary impacts of TARP in a different light: a 40% loss versus a 20% gain in this example.
Of course, you could also argue that the $6 gain was only possible because of the TARP ownership stake. There's certainly an element of truth to that. But the basic concern still applies: the $2 gain in this example reflects both TARP and subsequent government actions, not just TARP alone. That's an essential point when trying to evaluate these policies after the fact, and we commenters should keep that in mind when interpreting CBO's findings.
And that's not all. The other government actions may also have imposed additional direct or indirect costs on the federal budget. As a result, the $2 gain in this example may be offset (or more) by other costs that aren't included in the calculation.
Bottom line: One reason that TARP appears much less expensive than originally predicted is that many of its investments benefitted from other government actions whose costs show up elsewhere in the budget.
Caveat: CBO's methodology actually judges the profitability of investments relative to benchmark rates of return. The details are surprisingly complex, but just for purposes of illustration, suppose that the appropriate benchmark rate of return for investing in Bank X was 10%. If Treasury sold the stock for $11 after one year, CBO would deem that as breaking even. If it sold it for $12, that would be a $1 profit.
Author DonaldPosted on December 1, 2010 Categories Budget, FinanceTags AIG, Auto, Banks, Budget, CBO, Finance, TARP3 Comments on A Second Thought on the Cost of TARP
How Much Did TARP Cost? $25 Billion
The much-maligned TARP program will cost taxpayers only $25 billion according to the latest estimates from the Congressional Budget Office. That's substantially less than the $66 billion CBO estimated back in August or the $113 billion that the Office of Management and Budget estimated in October.
The good news, budget-wise, is that the government is on track to make about $22 billion on its assistance to banks.
However, CBO estimates that TARP's other activities will cost $47 billion. This reflects aid to AIG ($14 billion), the auto industry ($19 billion), mortgage programs ($12), and a few smaller programs ($2 billion).
Author DonaldPosted on November 29, 2010 Categories Budget, FinanceTags AIG, Auto, Banks, Budget, CBO, Finance, TARP16 Comments on How Much Did TARP Cost? $25 Billion
The Looming Budget Battle over the Bank Tax
Treasury Secretary Tim Geithner appeared before the Senate Finance Committee today to push the Administration's proposal for a Financial Crisis Responsibility Fee, more commonly known as the Bank Tax. The purpose of the fee is to
[M]ake sure that the direct costs of TARP are paid for by the major financial institutions, not by the taxpayer. Assessments on these institutions will be determined by the risks they pose to the financial system. These risks, the combination of high levels of riskier assets and less stable sources of funding, were key contributors to the financial crisis.
The fee would be applied over a period of at least ten years, and set at a level to ensure that the costs of TARP do not add to our national debt. One year ago we estimated those costs could exceed half a trillion dollars. However, we have been successful in repairing the financial system at a fraction of those initial estimates. The estimated impact on the deficit varies from $109 billion according to CBO to $117 billion according to the Administration. We anticipate that our fee would raise about $90 billion over 10 years, and believe it should stay in place longer, if necessary, to ensure that the cost of TARP is fully recouped.
As noted by other participants in today's hearing, the bank tax raises a host of questions: Is it possible to design the tax so that it is ultimately paid by major financial institutions (by which I presume Geithner means their shareholders and top management), or will it get passed through to their customers? How much, if at all, would the tax reduce bank lending? Is it fair to target the banks even though the bank part of TARP actually made money for taxpayers? Would the tax reduce risks in the financial system?
Those are all interesting questions, but today I'd like to highlight another one: Can Congress embrace the idea of a bank tax that would be used to "ensure the costs of TARP do not add to our national debt"?
As described by the Administration, the bank tax would be used to reduce the deficit, thus offsetting budget costs of TARP. Congress, however, is hungry for revenues that it can use to offset the budget costs of new legislation, e.g., extending the ever popular research-and-experimentation tax credit or limiting the upcoming increase in dividend taxes. With PAYGO now the law of the land (for many legislative proposals), some members are looking at the $90 billion of potential bank tax revenues as the answer to their PAYGO prayers.
All of which points to a looming budget battle: Will the bank tax be used to pay off the costs of TARP, as the President has proposed, or will it be used to pay for other initiatives?
Author DonaldPosted on May 4, 2010 Categories Budget, Finance, PoliticsTags Banks, Budget, Deficit, Finance, TARP, Taxes1 Comment on The Looming Budget Battle over the Bank Tax
How Did Treasury Vote Its Citigroup Shares?
The United States Treasury is Citigroup's largest common shareholder, owning 7.7 billion shares, or about 27% of the company. Which raised an interesting issue at today's annual meeting: how should the Treasury vote its shares?
Treasury answered as follows:
As we have previously stated, Treasury is a reluctant shareholder in private companies and intends to dispose of its TARP investments as quickly as practicable. When it acquired the Citigroup common shares, Treasury announced that it would retain the discretion to vote only on core shareholder issues, including the election of directors; amendments to corporate charters or bylaws; mergers, liquidations and substantial asset sales; and significant common stock issuances. At the time of the exchange, Treasury agreed with Citigroup that it would vote on all other matters proportionately–that is, in the same proportion (for, against or abstain) as all other shares of the company's stock are voted with respect to each such matter. Treasury is abiding by the same principles in the few other companies in which it owns common shares, which are very few, as most TARP investments were in the form of nonvoting preferred stock.
Those sound like good principles. So how did Treasury actually vote?
Treasury voted FOR three ballot proposals:
15 Nominees to the Board of Directors
To issue $1.7 billion of "common stock equivalents" to workers in lieu of cash incentive compensation (a way to conserve cash that Citi agreed to in a deal to repay some TARP money)
Treasury voted PROPORTIONALLY on the remaining proposals:
Ratify KPMG as the firm's accountant
An increase in shares for a stock incentive plan
Executive compensation (nonbinding "say on pay")
A "Tax Benefits Protection Plan" which discourages ownership changes that would reduce the value of Citi's $46 billion in deferred tax assets
Six shareholder proposals covering such issues as corporate governance and political activity.
Treasury emphasizes that its proportional votes don't mean it lacks an opinion on these proposals. Referring to two corporate governance proposals, for example, Treasury noted that it may have a policy preference but:
Treasury believes that it would be inappropriate to use its power as a shareholder to advance a position on matters of public policy and believes such issues should be decided by Congress, the SEC or through other proper governmental forums in a manner that applies generally to companies. For this reason, and because voting on such matters was not necessary in order to fulfill its EESA responsibilities, Treasury refrained from exercising a discretionary vote.
Although Treasury expressed that view with respect to the corporate governance provisions, I can't help but wonder what it felt about the "Tax Benefits Preservation Plan."
You can see all the proposals in Citigroup's proxy statement.
Disclosure: I own no Citigroup securities of any kind (see this post for a summary of my previous thoughts about Citi securities).
Author DonaldPosted on April 20, 2010 Categories Finance, PoliticsTags Citigroup, Finance, TARP1 Comment on How Did Treasury Vote Its Citigroup Shares?
Goldman Really Did Overpay for Its TARP Warrants
Yesterday, Treasury released a comprehensive report on the disposition of TARP warrants through 12/31/2009. It's a font of fascinating information–at least for fellow TARP warrant aficionados.
Treasury apparently did quite well when it negotiated with banks that wanted to repurchase their TARP warrants. I am still a fan of auctions, but you have to give Treasury credit–they did defend taxpayer interests in the negotiations.
Treasury drove an especially hard bargain with Goldman Sachs. As shown in the following chart from the report, Goldman ended up paying much more than any of the estimates that Treasury considered:
The green line is what Goldman actually paid: $1.1 billion. The yellow lines are Goldman's earlier bids ($600 million and $900 million). The black bars are the range of estimates from three different modeling efforts. Bottom line: Goldman overpaid.
The report has similar graphs for the other 33 firms that have repurchased their warrants; some of them paid at the upper end of the black bars, but none overshot like Goldman.
Disclosure: I have no investments in Goldman Sachs (or any TARP recipients).
Author DonaldPosted on January 21, 2010 Categories FinanceTags Finance, TARP, Warrants


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Home Business Will France's €5.5 Billion Startup Investment Pledge Bear Fruit For Quantum Computing?
Will France's €5.5 Billion Startup Investment Pledge Bear Fruit For Quantum Computing?
More than five billion euros for startups have been promised. The quantum computing space, like other sectors, waits for its piece of the pie too.
James Dargan
Photo by Maryna Yazbeck on Unsplash
Startup Growth Trend
In the last few years, it seems quantum computing (QC) has seen exponential growth in the number of European startups in the space. Companies like IQM Finland and Phase Space Computing out of Scandinavia. Quandela in France. And Alpine Quantum Computing (AQC) from Austria. These are just a few of the dozens on the Old Continent which see quantum information systems as the technological way forward.
The UK, too, has its fair share of QC startups, but its imminent exit from the European mainland with Brexit means it will be European in only a geographical sense if it fails to get the free trade deals it so wants.
'Bad shit is coming. It always is in a startup. The odds of getting from launch to liquidity without some kind of disaster happening are one in a thousand. So don't get demoralized.'
— Paul Graham, co-founder of Y Combinator
A bright spot in September last year, then, was that one of the leading countries in the European Union, France, pledged over five billion euros to fund startups in the country.
News has been lacking on the topic of late, but hope springs eternal, doesn't it?
In 2016, at a Franco-German conference on digitalization, Sigmar Gabriel, the German Minister for Economic Affairs, along with his French counterpart, Michel Sapin, made public the news about a €1 billion fund.
Not much happened with that, either.
The money will be used to develop startups beyond the Seed Stage as they see a 'funding gap' developing.
'On the side of the [European] startups, what I'm seeing over the last couple of months is that researchers — they might be senior scientists or postdocs — starting to create companies, or at least thinking about creating companies. In Europe, we're behind the U.S. or Canada in that respect, but there are more researchers who started showing an interest, some toward the hardware side too. Particular areas of interest are in the U.K., also in France, a little bit in Germany, and the Netherlands. I'm not sure about the startup ecosystem, but Sweden has announced plans for supporting the quantum industry, so is certainly a country we should have a look at, along with Finland. So things are changing for sure, and there are all these great opportunities — far more than there were a year ago.'
— Christophe Jurczak, CEO of Quantonation, a French early-stage venture fund
Chump Change
The interest in deep tech such as AI, cybersecurity, robotics, biotech and, of course, quantum computing in Europe has grown over the last decade, but in comparison with the investment seen in the United States and China, the money is just chump change.
'Our desire is to make France the leading ecosystem in Europe. We want to create many more unicorns in the next few years. Today there are seven and we are targeting 25 unicorns by 2025 and companies that are worth €5bn, €10bn, €15bn.'
— Cédric O, France's minister for the digital economy, September 2019
The promise of this €5.5 billion, then, will add to Europe's flagship Future and Emerging Technologies (FET) project, which was launched in 2018 with some €1.2 billion promised over ten years.
Whether or not the QC startup space in France becomes a priority in deep tech investment is open to debate. Entrepreneurs in the industry, for sure, have simply to keep their fingers crossed that the top brass in Paris and Brussels, respectively, sees the QC ecosystem as a critical industry worth investing valuable resources in.
The New Year, no doubt, will see 'many promises' in regard to EU funding and VC investment in startups across the continent. Some of them will be true to fact. Others smoke and mirrors at play. Let's just hope that any money that does funnel its way into the startup ecosystem gets to the QC space before it reaches other sectors.
Christopher Jurczak
Quantonation
Previous articleQuantum Money and Bitcoin | Albaron Ventures
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James Dargan is a contributor at The Quantum Daily. His focus is on the QC startup ecosystem and he writes articles on the space that have a tone accessible to the average reader
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Henry Harrison Walker (October 15, 1832 – March 22, 1912) was a Confederate States Army brigadier general during the American Civil War (Civil War). He was born in Sussex County, Virginia. He graduated from the United States Military Academy at West Point, New York in 1853 and served as an officer in the United States Army from 1853 to 1861. Walker was wounded twice during the war and lost his left foot. After the war, he became a stockbroker at Morristown, New Jersey where he lived until 1912.

Early life
Henry H. Walker was born October 15, 1832 at "Elmwood" in Sussex County, Virginia. He graduated from the United States Military Academy at West Point, New York in 1853, forty-first in a class of fifty-two. On July 1, 1853, he was appointed a brevet second lieutenant in the 3rd U.S. Infantry Regiment. On March 3, 1855, he became a full grade second lieutenant in the 6th U.S. Infantry Regiment. Walker was promoted to first lieutenant on May 1, 1857. Walker served in garrison duty on the frontier. He also was aide-de-camp to the governor of Kansas during the border conflicts of the middle to late 1850s as a result of which the territory was called "Bleeding Kansas."

American Civil War service
Henry Harrison Walker resigned from the U.S. Army on May 3, 1861. He had already been appointed a captain in the infantry of the Army of the Confederate States (the regular army of the Confederate States) on March 16, 1861 or, according to other versions, was appointed to this position soon after his resignation from the U.S. Army.

In November 1861, Walker was promoted to lieutenant colonel of the 40th Virginia Volunteer Infantry Regiment. He was promoted to colonel of the regiment in June 1862 and led the men in the Seven Days Battles. On June 27, 1862, he was wounded twice at the Battle of Gaines Mill. He was assigned to command of a convalescent camp and then to the Defenses of Richmond, Virginia between September 1862 and July 1, 1863. During the Gettysburg campaign, Walker armed hundreds of the convalescents and helped guard Richmond while almost all healthy troops were on the campaign.

On July 1, 1863, Walker was promoted to brigadier general and after the Gettysburg campaign was assigned to Major General Henry Heth's division of III Corps of the Army of Northern Virginia, initially commanding Heth's former brigade, then Brigadier General James J. Archer's brigade as well, after Archer's grievous wounding. Walker served as a brigade commander under Heth until he lost his left foot in the Battle of Spotsylvania Court House on May 10, 1864. He participated in the Battle of Bristoe Station on October 14, 1863, in the Battle of Mine Run and, after serving in the Shenandoah Valley during the winter of 1864–1864, at the Battle of the Wilderness before his wounding at Spotsylvania Court House.

Walker served on court martial duty in the Department of Richmond from November 7, 1864. He was assigned to the defense of the Richmond and Danville Railroad during the Siege of Petersburg from February 1865 to the evacuation of Richmond on the night of April 2, 1865 after the fall of the defenses of Petersburg, Virginia at the Battle of Five Forks and the Third Battle of Petersburg. He was reported to have brought the news of the surrender of General Robert E. Lee and the Army of Northern Virginia at Appomattox Court House on April 9, 1865 to Confederate President Jefferson Davis at Danville, Virginia. Davis ordered Walker to take the Confederate troops at Danville to join the force of General Joseph E. Johnston in North Carolina but Walker apparently did not comply with the futile order or was unable to comply with it before Johnston surrendered to Union Major General William Tecumseh Sherman on April 18, 1865 (officially April 26, 1865). Walker was paroled at Richmond, Virginia on May 7, 1865.

Aftermath
After the Civil War, Walker moved to New Jersey and became a stockbroker. Henry Harrison Walker died at Morristown, New Jersey on March 22, 1912. He is buried in Evergreen Cemetery at Morristown.

See also
List of American Civil War generals (Confederate)

Notes

References
 Boatner, Mark Mayo, III. The Civil War Dictionary. New York: McKay, 1988. . First published New York, McKay, 1959.
 Eicher, John H., and David J. Eicher. Civil War High Commands. Stanford, CA: Stanford University Press, 2001. .
 Sifakis, Stewart. Who Was Who in the Civil War. New York: Facts On File, 1988. .
 Warner, Ezra J. Generals in Gray: Lives of the Confederate Commanders. Baton Rouge: Louisiana State University Press, 1959. .
 Wert, Jeffry D. "Walker, Henry Harrison" in Historical Times Illustrated History of the Civil War, edited by Patricia L. Faust. New York: Harper & Row, 1986. .

1832 births
1912 deaths
Confederate States Army brigadier generals
People of Virginia in the American Civil War
United States Army officers
United States Military Academy alumni

redpajama_set_name: RedPajamaWikipedia


We have been very busy this week in 2nd class practicing being young scientists and conducting our sugar cube experiment!
We worked on the Materials strand and investigated Properties and Characteristics of Materials. We wanted to identify and investigate materials that absorb water and those that are waterproof and hopefully we could answer the question: which material will stop the water?
We began by gathering our materials for the experiment. We needed: sugar cubes, containers, water, food colouring, pieces of materials for testing. The materials we chose were: kitchen paper, greaseproof paper and cling film.
Now were were ready to start! We put a small amount of water in the container and added a few drops of food colouring. One question the class wondered was why use food colouring? The food colouring makes it easier to see the water rising. Then we put some sugar cubes into the water. We waited a few minutes and watched what happened; the sugar cubes began to turn green as they absorbed the water. We then added in a new sugar cube, placed a piece of kitchen paper on top of it and added another sugar cube on top of that. We repeated this process with the greaseproof paper and cling film. We watched and waited to see what we would observe.
So, what did we observe? The kitchen paper allowed the water to pass through, the greaseproof paper allowed a tiny bit of water through and the cling film didn't allow any water through. So the answer to our question is that the cling film stopped the water from being absorbed; it is waterproof. The kitchen paper and greaseproof paper are not waterproof. We recorded our findings in our science copies.
We really enjoyed conducting this experiment and we got to practice the science skills of predicting, investigating and experimenting!


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← "News from the Hut": 18 February 2013
"News from the Hut": 4 March 2013 →
"News from the Hut": 24 February 2013
Posted on February 24, 2013 by Gary Lanham
for American Legion Post #142; Hominy, Oklahoma.
>>>by Gary Lanham
Well, Mother Nature had her say last week, cancelling our Thursday get together; but there are still things to share so here I go! We received good news from our local boy who has made Hominy proud. House Representative Sean Roberts arranged to have our Stars and Stripes, as well as the Oklahoma State flag, flown over the State Capitol. They now await a presentation to officers of our Post, 14 March at the State Capitol. The ceremony will include (at this time) Post Commander Jim Frazier and officers Charlie O'Leary, Babo, Steve Swinford, House Rep Sean Roberts, and Major General Rita Aragon (Ret.) who acts as Governor Mary Fallin's Veteran's Affairs Liaison. I would like to send a personal thanks to Sean's assistant Blake Jackson, for working out the arrangements. You did great.
General Aragon served in the Oklahoma Air National Guard, and at one time as an enlisted soldier in the unit I retired from (219th Engineering Installation Squadron). I first met her as a mid-level enlisted guy and she was a Captain. I found her to be a warm and friendly officer, but there was no doubt steel was behind the velvet. She rose through the ranks by being indispensible, intelligent, and persevering. Through her years, she displayed masterful judgment, and strong leadership. Well, I guess that's what it takes to reach the highest rank of any officer in the Oklahoma Guard family.
Shifting gears, a few weeks ago my great friend, patriot, and WWII veteran Dick Pope brought to my attention that during the Fairfax Veteran's Day Parade, he and the gang were approached to see and participate in something rather remarkable. The "Freedom Truck" was participating in the parade and the owners were sure to include our boys in the activity of placing their signatures as veterans on a Chevy pickup truck (I am not kidding). From freedom boxes to flying the American flag, many people have found ways to show their patriotism, pride and support. Our boys met some Oklahomans who have found a unique way to honor those who serve, both past and present. Danny Eberle (truck owner) has always had a love for his country, and an appreciation for military men and women.
I found some information on the owners through the magic of the "Internet Highway" and wanted to post what they are doing. "There is no other country like this," said Danny Eberle, Truck of Honor owner. There is likely no other tribute to our country quite like the one Eberle and his wife came up with. "We kind of looked at each other and said let's do it," said Jody Eberle, Truck of Honor owner. Along with his wife Jody, who he married 50 years ago on the 4th of July, Danny Eberle created the "Truck of Honor."
"We're just letting people sign our truck, that's all," said Jody. Their '92 Chevy truck is a rolling tribute to men and women in the military. "They say Washington has its stone wall of veterans. But, I've got this old Chevrolet, and it is mine," said Danny. It all started with a banner, but then the Eberle's started letting people sign the truck. One right after the other, veterans, active duty military, and those with loved ones who served have signed the old truck. There are more than 1,200 signatures so far. Everywhere they go, more are added.
"These are all of our heroes on this truck," said Danny. The Eberle's say their Truck of Honor is a way to honor those heroes, their service and sacrifice. "It does my heart real good for them to come up and scratch their name on it," said Danny.
"We just can't show enough support and honor to our service people," said Jody.
"As long as I can keep it going, it's going to go. And when the old Chevrolet dies, we're going to put it up on a pedestal in the front yard," said Danny. The Eberles say as long as the truck runs and they don't run out of space, they'll keep adding more names. They'll keep the tribute on the road and our military men and women in their hearts. The Eberles hope to find someone who is willing to put a clear coat on the old truck so the names don't fade. (Thanks to Channel Six reporting)
As a veteran I think that is pretty cool. I remember no parades or applause for any of my brothers or sister in arms returning from Southeast Asia, or from Korea for that matter. Those were sad days, but I am sure my brothers at the Post feel as I do a sense of fulfillment when our country has come full circle even in times like these. The word that comes to my mind is gratification.
Our regular meetings are the 1st and 3rd Thursdays of each month at 1900 hours (7:00 PM) and our Monday morning Koffee Klatch meetings over biscuits and gravy (or waffles) where we keep up on each other's mischievous doings run generally from 7 am to 9 am if it "ain't" freezing.
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