Supposed to refill fluid levels.. NOT DONE... also supposed to have "checked belts" and one week later my serpentine belt completely fell off in the middle of the road- the nut was loosened. (not by me). Cost me a heck of a lot more than an oil change! Thanks.
Jiffy Lube® Service Center # 162813520 W 87TH STREET PKWY LENEXA , KS 66215-2409 US I drove my car here from Florida to visit my brother an go on a trip to Colorado camping. Before we left, I Did an oil change on my 1979 low mile BMW 320i at the above Jiffy Lube and told me they checked the 17mm Allen plug for the transmission fluid. They told me at first they weren't sure about the metric Allen plug but then recanted by saying they had it all under control and it was serviced.
Well after a trip to Colorado and back I lost the rear and front main bearings in my 5 speed transmission. When the shop checked it in Salina Kansas, (nice Folks!) he asked when I had last had the transmission serviced as the Allen plug was full of dirt and light grease and obviously had not been checked recently. I had him document the issue and found that the trans was only half full of fluid so in the mountains on steep grades either bearing was starved for oil depending on whether we were going up or down the mountain. I contacted Jiffy Lube Manager at the store who was no help and swore since it was checked off on the page (so they could charge me for it) and that they had done the service, He then referred me to Jiffy Lube who had their attorney call me in Florida and tell me I could sue them but they weren't paying a dime. In the mean time , I had to rent a van, borrow money from my brother in law, buy a transmission in Kansas City and get it back to Salina, Fly my wife and daughter home and wait for the car to be repaired. Jiffy Lube has never had my business since and I would implore anyone to NOT have work done at this facility or with this company. They could care less.
I went to jiffy lube for an oil change and to my surprise it was 39 dollars, even thogh every day as I drive down Harry they are always holding a 19.99 dollar sign even if it's 10 degrees outside, so it was a saturday and they said they only do that during the week so i went along with it, well they decided to tell me my rear differential fluid badly needed changed and if i didn't do it one day i'd be driving and "the entire back end will stop working" and basically i won't be able to even move. so i agreed, it looked pretty important, they wanted over 150 dollars for this also, so i called my husband who said ( we just bought the car about 6 months before this) we don't need to change that until at least 60 thousand miles, so i then declined, and the worker thne decided to come in and show me his gloved finger and how dirty this fluid was and also that my car does not have a magnet to keep out the pieces of metal that circulate in there, i declined anyway. i later spoke to another oil change dealer because i was concerned about what the man said about my fluid, that man told me not to worry, needs to be changed ever 60-80 thousand miles and that i HAVE A MAGNET IN THERE to keep me from getting too much metal!!!! I will never be back to jiffy lube, they are liars and thieves!!!
2007 Ford P/U with 25,000 miles. Jiffy Lube has insisted the fuel filter must be change on 4 different trips for oil changes. The Ford manual states it does not need to be changed the first time until 30,000 miles.
After the oil was added and the engine was run, no one looked for leaks under the vehicle. I could tell this because the pit grates had been replaced before the oil was put in the engine. No one could have seen anything. Nothing on the rear half of my truck was looked at because the floor pit did not extend past the cab. The employee in the pit even yelled out that he could see the back half because the truck had not been pulled in far enough. Greasy finger prints on the steering wheel and door and a greasy boot print on the carpet.
ON 11/04/2008 I went to Jiffy Lube #1987 located at 702 Highway 33 Mercerville, New Jersey.
I went for an oil change and was advised that I needed to have the transmission flush service, Front differential service, rear differential service and transfer case service. The entire bill cost $324.16. I left Jiffy Lube a satisfied customer that my car had been service and would be good for many miles to come. On January 6th, 2009 just 62 days later I had to have my car repaired because the front differential service that was supposedly done either was not done or they used the wrong lubricant and the differential failed. At that time I asked the service technician at the repair facility to check the other fluids to see if that had actually been changed and they had not.
So I spent $324.16 for the service that was not completed by the Jiffy Lube and $1,414.00 to replace the front transfer case. I was screwed by Jiffy Lube and will attempt to get some of the monies I waited back from them. Never again, will I go to Jiffy Lube.
I had my car inspected at Jiffy Lube in Hadley, MA 01035. I had light tint on my windows and have lived here for almost 5 years. I have had inspections ever year with no problem. I was given a Rejection sticker because they said my windows were to dark. they have been on the car for 5 years of which the car is parked outdoors in the sun and weather and were faded. they were put on for MA standards and previously passed every other inspection. Due to this I had to have the tint taken off which cost me $100. I am a 70 yr old widow and feel that I was "ripped off". I had the inspection done on January 8, 2008 and today the 9th when I called them they still had my registration and paper work which should have been put in my car. So I had to make another trip to pick up the paperwork. This is my first experience with Juffylube and it will be my last. I think it is disgusting that no leeway is given when the problem was not there. My late husband ran a garage and did inspections for many years. So I do know that cold weather can make adjustments to the inspections. I also went to the RMV and the inspector checked it and said it was a "hair" to much. I will decide if I will get a lawyer to solve this problem. I will never recommend JiffyLube to anyone. Your reputation right now with the people where I live is gone! I hope you enjoy your dinners this next week but my dinner money went to take the "hair dark tint" off. !
I went to Jiffy Lube in Utica, Michigan, Store number 991 on Van Dyke Avenue, for a regular oil change. They removed my cabin air filter to check it, and showed it to me to verify it was good. Then, they forgot to put the cover back on it.....didn't know this until 2 months later, when water was leaking into my passenger compartment. A trip to another mechanic revealed the missing filter cover, which then had to be ordered from Detroit. Had to go a week during the rainy season with nothing keeping water from pouring into my passenger compartment. Needless to say, the filter itself was also useless now, and I had to pay for the labor to install it. Avoid Jiffy Lube!
Brought my 4x4 PU in for a full change ... let them talk me into changing the diff and transfer case lubricant. They didn't properly replace the diff plug, and it fell out in traffic. By the time I noticed, the diff had destroyed itself.
The people at that shop referred me to their national number ... and the people at the national number told me the damage was the responsibility of the franchisee. They would not tell me how to contact the franchisee, btw.
So, I filed a claim in small claims court for the repair bill, with the unnamed franchisee and Jiffylube as defendants. I paid a process server to serve the Oregon corporate rep. They refused to respond, as seems to be usual for them, and I got a default judgement.
I dunned them for the judgement, and they simply ignored it. So I filed a writ of garnishment of information ( i.e., explain to the judge in person why you aren't paying, and tell him where your assets are ) , and served it on the VP in Texas who had originally sent me back to the hidden franchisee ... I mailed it to her in a Nordstrom's Box with a clean towel as filler, certified mail, signature required. She signed for it. Heh.
The check arrived by priority mail a few days later. I notified the court that they had paid off, and that was that.
Jiffy Lube had broken my car hood rod that holds the Hood open, they have repeatedly promised to order the part for months and no one has contacted me, although I've gone to them more than 5 times and they continue to lie. I'm surprised by Jiffy Lube's actions and irresponsibility. The Jiffy Lube is on Bethlehem Pike, Flourtown.
On December 30 I arrived early to take advantaged of the "Early Bird Discount" price for a standard oil change. After waiting, I was informed that the "special" was only on Tuesdays and Thursdays, even thought a permanent, painted window ad said "Monday-Friday, 7am to 9 am." The "Tuesdays and Thursday" reference was to another promotion, "Crazy Tuesday and Thursdays." The "Signature Service" I was told was a minimum of $37.95 was the same "service" advertised in the window ad. Because I was in a hurry and didn't want to argue, I went ahead and had the "service" performed. During the oil change I was informed I had several problems that did not exist, such as "bad" battery, dirty air filter, need for a differential oil change, etc. -- all which had recently been checked and were in good condition. I declined further "service." When I looked at the computer-printed check list, I noticed all the items I was told were "bad" were marked as being in good condition.
at Jiffy Lube? Never again will I use this company.
On December 16, 2008 I took my '99 Chevy Pickup in for an oil change. According to my invoice #1391 164983, the tire pressure was reduced to 35 psi on all four tires. The recommended tire pressure of 80 psi is clearly printed on the side of each tire.
These tires were brand new 6-ply commercial-rated tires that were installed 12/10/2008. They had less than 100 miles on them when the first one catastrophically failed less than 15 miles after my visit to Jiffy Lube. It failed at night on the interstate during a snowstorm.
Subsequent inspection revealed critical sidewall tears in the remaining three tires. All four of my brand new heavy duty tires have to be replaced.
From what the store manager told me, the tire manufacturer's recommendations are ignored when they adjust tire pressures. Their actions could have resulted in death or injury to me, my family or other motorists on the highway.
Now I'm trying to get them to commit to repairing my tires and the body damage caused when my tire came apart on the highway.
My loc al Jiffy Lube franchise uses air filters that do not meet my car manufacturer's (Subaru) quality standards. A filter JL installed a month ago just failed and particles entered the Air Mass Sensor, fortunately triggering a Check Engine alert when I was 5 miles from a Subaru dealer who was able to vacuum out the particles and install a correct filter. I will be asking JL to pay for the $90 service charge.
For almost a year local Jiffy Lubes have had people standing on the roads with signs advertising oil changes for $26.95. I needed to get two cars oil changed and looked online and found a competitor offering a $21.95 special. I also found a Jiffy Lube $5 off internet coupon - so I picked Jiffy Lube. I drove into the "Heartland Automotive Services" JL franchise and asked if I could use the internet coupon and was told I could - so I left the first car and returned later. My car was ready and I went to pay and was told that the $26.95 price represented a $8 discount and so the $5 off coupon couldn't be used. This is bait and switch and the last time I will use Jiffy Lube!
Unbelievable in Bradenton, I live in Bradenton Florida and have been going to the same place for servicing for 16 years or so. About 18 months ago, Jiffy lube bought the place. Well the price went up and some of the faces changed. Not for the good. Well today I drove in and did not recognize anyone there out of 3 employees. I got my receipt for a full service oil change and noticed under "lubrication of chassis" they listed sealed. I quickly told the new manager that there are fittings under there and that I can show him the last receipt and many more prior that show 7 fittings. He told me that his oil change tech told him that. He preceded to educate me in that 4 wheel drives have the fittings and since I have a 2 wheel drive truck, I didn't. Well, I know from experience, you should never argue with an idiot. But my stubbornness got the best of me. I drove around the corner and found several old receipts that validated what I was talking about and drove back in to the bay. I showed the manager and he talked to the tech again and he said the tech had mis communicated the information . He was talking about the other car in the bay next to mine. He said that I had 10 fittings. ( Holy crap these guys don't even lie good, I have had 7 fittings for the last 8 years) I asked him if he lubed them and he said no because they were full???????? Where in the hell do they get people like this? And wouldn't you think that the people they hire would have some kind of mechanical knowledge? That is scary, 2 out of 3 people I talked with knew nothing about lubrication by the things they had told me. ( I did not speak to the 3rd) I put a call in to the corporate office and I am presently waiting for a call back. Meanwhile I think I will start doing the service myself.
I own a 94 Acura Integra, my emissions was expired so I went to Jiffy Lube #1568 in Stockbridge, GA... that was a mistake. The first time I went they warned me before the test that they had no printer ink so if I failed I would have to print it out myself, I agreed and they checked out my engine then proceeded hooked up my car to the dyno. After about 30 or so minutes the test was done and I ended up failing all but one of the catagories, baffled I asked to see what was wrong and where it failed. They said it was on the paper I had to print out that they usually have but were out of ink, I thought about it for a few hours and went down to the goodyear shop down the road the people there have worked with me before and checked out my engine, to their suprise one of my distributor plugs were unhooked and had been hanging off the whole time. When they plugged it in and I drove it down the highway it was like a new car and they told me the test should pass now becuase I was only running on THREE CYLINDERS! I came back to the store later that day and "had to have the forum printed out", I was okay with that and got it printed out at my brothers work two days later.
I headed back with everything I needed to show them and explained that the distributor plug was off and I wanted my free retest she claimed that the dyno had no gas and I'd need to come back another day... frustrated I left and came back four days later(because of christmas and the holidays)... of course they were closed. The last and final straw was today Friday december 26th I went to get the emissions retested and there was a man there close to his late 50s maybe 60s(the manager) he asked to see my papers, one of my letters was smudged on the invoice they gave me so they were about to turn me away or make me pay for a new one until one of the workers volunteered to reprint it... simple as that. We get the test started and it timed out 3 times in a row, I asked him whats wrong and he claimed my rpms were outta whack and something was wrong with my engine... the idle was .700 thats a good idle as far as I know, I asked him to retest it so I could watch what he was doing he agreed but was irritated at the request he started the test and my rpms were the same again but I noticed that he was going over the maximum speed limit and rpms that were allowed for the test and still claimed it was my car that was causing the issue. While I was there... there was a frustrated lady she was complaining about the service too so I know after seeing her and this site it's not just me.
What I don't understand is, how does my car complete the test WITH THREE CYLINDERS then, when I bring it back for the retest with FOUR CYLINDERS it cant even get passed the first test?? I hope to head back tomorrow and speak with the woman that got it passed the test the first time when my car was running without 1/4 of its maximum power, I usually don't have problems with service but this is one of the worst shops I HAVE EVER dealt with... think twice before you go to this store these people don't care about you or your business... by far the worst customer service I have ever experienced, my brother had an oil change there and they threw a book in the back of his car and sold it to him without his knowlege they said it was included in the original price... unbelieveable.
I took my 2000 Tahoe into Jiffy Lube for a routine oil change. When I left the next day my engine was running hard. I took it back and asked what engine parts did you guys touch, remove and replace in an attempt to add additional services. The response, we took out air filter and PC Valve. I noted dust removed from several spark plug wires and several other locations on engine indicating they had been at least touched if not tampered with. I replaced the PC Valve and check engine light came on. Now oxygen sensors need replaced and cylinder 5 is not firing correctly. I had all plugs changed and still same issue. Manager insists they pulled nothing else off. I stated I wanted an oil change only and your guys still pulled several things out to ask for additional services. My claim is that they removed items not replacing securely and allowed dirt to enter system and causing damage and misfires. I am still in battle. Estimated repair. $700 - 1100.00, sensors and now ex haust system needs removed and checked.
They just cheating their customers, they a sign sys 26.99 for oil change they charged me 45 dollar, it took them less than two minutes to change oil.
There are many other stupid rules which i can't remember it has been a couple years since I worked for Jiffy Lube. If you are thinking of working for Jiffy Lube beware!!
You changed my oil recently and then I noticed an oil leak on the floor of my garage. You did this previously and it cost me over $200 dollars because the oil filter was put on incorrectly. I haven't taken my car to the dealership to have it checked yet but I will as soon as I can. I drive a 2006 Saturn ION. You can count on me to never return to Jiffy Lube again and I will encourage friends and colleagues to do the same!
This is ridiculous first off. Reading this Blog i realize it doesn't look like Jiffy Lube ever replaces the 'Skid Plate' correctly. In my case they did the same thing only to my girlfriend's 2002 Passat. Its called the 'Belly Pan' and my girlfriend called me today (on one of my very limited days off) needing my car because the belly pan was dragging on the ground. This is not the first time this has happened, the last time she took it to Jiffy Lube the same thing happened and she had to pay $30 at a nearby shop to get it fixed. Anyhow, I contacted the manager today and brought the car back in after jerry rigging the piece of plastic to the bumper for a temporary fix. Once there they gave me half off the next oil change (which will never be used, ever) and fixed the problem, or so I thought. I returned to my girlfriend's place nearby and inspected their work. Guess what? All they did was zip tie my jerry rigged temp fix to the under carriage. What happened to the original bolts? I don't understand it, I work with aircraft and if that ever happened the fleet would be grounded and someone would be fired. As a result I'm filing a complaint with the better business bureau against Jiffy Lube # 133 504 Quincy Ave, Braintree Ma, never go to another Jiffy Lube and tell everyone I know never to go there. Lastly I'm going to VW this afternoon and getting the belly pan fixed once and for all. I just don't understand how anyone could sign off on such shoddy work and be so careless. It seems Jiffy Lube needs to re-hash it's quality assurance program but unless their bank account starts to suffer I don't expect a change anytime soon.
My husband and I are in the middle of a terrible nightmare due to Jiffy Lube of Libertyville, IL. We took our Mitsubishi Eclipse in on August 8, 2008. 2500 miles later the engine blows and the bill has reached $5700.00 in repairs. My warranty won't cover anything because Jiffy Lube put the wrong filter on the car and all the oil leaked out. Now we are fighting for the coverage of the repairs. We have had to retain a lawyer. Jiffy Lube's owner has offered a deal to take it to a automotive shop which he owns and put some junker engine in. NO WAY! You broke my car once and now you want to take it to another one of your shops so that it will no dought fail again? I don't think so. Jiffy Lube is a very unreputable place and should be ashamed!
I would love for you to respond to an incident numbered 1191 in which a customer, Brian, says Jiffy Lube is at fault for his engine overheating because a radiator cap not being replaced after service. As an ASE certified technician, I believe it is impossible for a car to last 2 days and/or 200 miles, in 100 degree heat, with no radiator cap. Within minutes, that radiator would have dumped out any coolant it contained. This customer would have noticed smoking, a maple syrup smell, and overheating immediately. Anyone with any knowledge of how a car works would know this. THERE IS NO WAY THIS CAR WOULD HAVE LASTED 200 MILES! What a fool.
On Dec 1 2008, I went to the Jiffy Lube located on 511 Sawdust Rd in Spring, Tx for a basic oil change. I noticed my car in the parking lot and thought to myself, "Cool, I'm ready to go." Then I saw my car hopping the curb into oncoming traffic and it looked like it hit another car. I asked someone where are they taking my car? They said they were doing a brake check. I told him I never had a brake check done before for a basic oil change and I don't appreciate how the driver hopped the curb and it looked like he hit another car. I was walking back to the waiting room and noticed my car was still sitting in the road and then noticed an employee going to my car and get into the driver seat to back it up in the parking lot. I went outside and saw the car that I thought was hit sitting in the parking lot. Apparently, an employee of Jiffy Lube left my car in gear and let it roll into traffic. They used the excuse that they thought I needed a state inspection. The sailor in me came out and I was furious. I believe if the car didn't get hit they wouldn't have said anything to me. They were quick not to call the police and I understand why. The body shop my husband went to get an estimate stated they get most of their business from Jiffy Lube to replace engines. I am thankful no one was hurt, but it could have been a lot worse. Still in the process of getting this resolved. I don't recommend Jiffy Lube after reading other people's misfortunes.
My husband took his 2000 VW Golf to our neighborhood Jiffy Lube after what he thought was the signal to change the oil light came on. An oil change was completed, he drove away , but the "oil light" was still on. He drove back to JL and told them this pesky light was still on. Per his account, he was told to keep on driving and it would eventually go off. In fact, the light was the "oil pressure" light and the engine is now dead. I know there obviously was something going on with the car prior to the JL visit, but the techs should have told my husband not drive the car & have it towed ASAP to a mechanic.


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On Tuesday March 8, in the Marilyn I. Walker School of Performing Arts Art Gallery, the photography exhibit, A Field Guide to Nowhere, will open, scheduled to run until April 9. The exhibit will feature selected works by four national and international artists: Canada's Susan Dobson, Finland's Marja Pirila, and the United State's Byron Wolfe and Mary Ellen Bartley. The aim of the exhibit is to explore photography's ability to transport the viewer beyond their physical location through the unique perspective of the four artists featured.
Featured photographer Byron Wolfe is an Associate Professor and Program Director of Photography at the Tyler School of Art, at Temple University in Philadelphia, Pennsylvania. The acclaimed photographer boasts four book publications — one solo, three collaborative — and has designed and published interactive media and e-books as well. Wolfe has also put out many long-time collaborative works with fellow photographer Mark Klett.
Wolfe's work has been featured in numerous exhibitions and many of his pieces have been selected to be held in a number of permanent collections including the San Francisco Museum of Modern Art, The Museum of Fine Arts in Houston, Texas, The Center for Creative Photography in Tucson, Arizona, and the Nelson-Atkins Museum in Kansas City, Missouri. Wolfe is a recipient of both the Santa Fe Prize for Photography and a Guggenheim Fellow.
Tell us about the pieces you provided for the show.
Outside of the exhibit, what was the inspiration for the creative projects that will be featured?
The exhibit you are being featured in, A Field Guide to Nowhere, explores photography's ability to transport viewers across time and space, away from their physical locale. How does your work echo this sentiment, and what steps do you take (if any) to break down physical space in your artwork?
How do you bring new meaning to the images you photograph/create?
In her statement for the exhibit, Amy Friend says that your photographs undertake fieldwork and investigation. How do you achieve this?
Do you have a favourite piece that you've submitted?
"I'm rather fond of "Atmospheric Locomotion" because of how it references Eadweard Muybridge's better known "Animal Locomotion" work in which he made photographs that formed the earliest forms of cinema and animation. It's a dead-pan conceptual twist that makes my brain smile.
Why is having an open forum for both artistic creation and discussion in a university setting so important?


Our nurses are able to provide a travel advice and immunisation service. This excludes vaccinations and certificates for Yellow Fever.
In order to assist us assess the potential risks to your health from your planned travel, we ask that you make a travel clinic appointment with our Practice nurse. Ideally, this appointment should be made around the time of booking your holiday, at least 12 weeks before you travel. However, if you are travelling in less than 2 weeks' time, we may not be able to offer a travel clinic appointment at such short notice and would recommend that you attend a private travel clinic at your own cost.
Please also bring any previous travel vaccination records to your appointment so that we can check your record is up to date.
Travel risks vary considerably and we therefore request each patient, prior to attending a travel clinic appointment, complete a travel risk assessment form which is available from reception or can be completed online. This needs to be submitted, at least, 12 weeks prior to your travel.
The practice offers travel clinics each week. In the lead up to busy times of the year, for example summer holiday periods, these appointments can book up very quickly. If on returning your travel assessment form there is no appointment available you will be advised to make your own arrangements to attend a private travel clinic for your travel vaccinations at your own cost.
We may not be able to offer all the vaccinations recommended for your planned travel and if necessary we would advise you to attend a private travel clinic for the vaccinations required at your own cost.
Not all vaccines are available on the NHS.
We are unable to accommodate requests for travel clinic appointments outside of the clinic hours and please also be advised the nurses are not able to give travel advice over the telephone.
Hepatitis A – There is currently a national shortage, find out more.
We require payment at the time of vaccination, so please come prepared with cash or card. We are no longer able to accept cheques.


Here's a bold statement: Avoid selling traditional art in your live auction, unless you're running an art-only auction.
Traditional art pieces — items like sculptures, paintings, drawings, and mixed media which are produced by a professional artist who makes his or her living from selling artwork – are risky auction items for the standard, non-art benefit auction.
It's just too subjective. What I like, you don't. What fits my home décor, doesn't match yours.
Art has limited appeal, but we want to sell items with broad appeal.
Your school can sell artwork made by the children.
Sometimes art is included in the live auction. A respected donor might insist that you sell her artwork. Or a well-meaning Board member has a best friend who happens to be a "great" artist.
This Sara Linda Poly landscape sold quickly in the silent auction. Many of the gala's guests already collected her work.
1. Well-known local artists sell better than non-local artists.
An Orville Bulman reproduction had aggressive bidding activity in Palm Beach, FL fundraiser.
A Sara Linda Poly landscape sold immediately at the highest price point available in Arlington, VA.
These local-to-the-area artists enjoyed great sales, but switch these two pieces of art to the other location and watch the bidding suffer.
Your guests will enjoy supporting local talented artists.
2. Ask the artist to donate a piece that is in an achievable price point.
An artist might regularly sell his pieces for $10,000, but if your audience is a $2000 crowd, you're going to have a lot of work ahead of you to get that piece to sell close to value.
Give the artist a price range of what your audience typically spends on various items so he can select something appropriate.
But don't put the art in the live auction just because the artist suggests you should!
Artists want to protect their reputation, so they don't want to sell a piece for less than a given price because they fear it will affect the value of their other work.
Some artists make a donation with the stipulation that the item can't sell unless it reaches a given price. You, on the other hand, are less concerned about protecting his reputation … you just want to convert the item into cash for your cause. So if you are offered a piece of art with this stipulation, you might be better off to decline the donation. The piece might never sell, and then it will become a "ball-and-chain" donation.
What's a ball-and-chain donation? Earlier this year I worked an auction where the same piece of art has been for sale three times in a silent auction. No one would buy it for the required price. The event manager had to take responsibility for moving the item … protecting it from harm … storing it …. She hauled it around to every fundraiser like a ball-and-chain! And, the audience had seen the same brightly colored print for three years.
Click here to read Part 2 of selling art in your auction.
This is very helpful advice! I am sharing it with my nonprofit followers on Twitter.
I'd almost think "duh!" – this is all common sense – but the truth is, it's NOT. I can't begin to say how often I've argued (politely) with clients that just because the artist/photographer wants their work in the live auction, that doesn't mean it belongs there… And we're the ones who look foolish for including it.
It sounds like you're doing a good job of managing expectations, Jessika. It's not so easy to do!


Despite a good finish, 2018 was a rough year for silver. Its price slumped 8.6%, way worse than gold's -1.6% performance. And that still masks miserable intra-year action. At worst in mid-November, silver had plunged 17.3% year-to-date. That was 2.2x gold's comparable loss, and at $13.99 silver languished at a major 2.8-year low. A soul-crushing 96% of its early-2016 bull market had been reversed and lost!
Back in December 2015 silver had bottomed a few days before gold at a deep 6.4-year secular low. Over the next 7.6 months silver soared 50.2% higher, outpacing gold's parallel new-bull upleg by 1.7x. That promising start didn't pan out though, silver crumbed once gold's advance stalled and failed. Ever since its August 2016 peak of $20.56, silver mostly ground sideways sandwiched between two major downlegs.
It was the latter one that finally bottomed in mid-November 2018, with hope lost and silver bearishness universal and suffocating. Silver's fortunes are heavily dependent on gold, and silver effectively acts like a gold sentiment gauge. The weak silver prices reflected the lack of enthusiasm for gold, which wasn't far above its own 19.3-month low of mid-August. Gold had slumped to $1200, and threatened to break below.
For better or worse, gold drives silver. Traders usually ignore the tiny silver market until gold has rallied long enough and high enough to convince them its upside momentum is sustainable. So when gold itself is down in the dumps, silver doesn't have a prayer. But gold bottomed that day and started clawing back higher, so silver joined along in the bounce. That gradually grew into a new silver upleg over the next 8 weeks.
That was 1.9x gold's 4.2% advance, and silver's best outperformance relative to gold since that major upleg in H1'16! Something was changing in the left-for-dead silver market, with capital starting to return after more than a couple years of self-imposed exile. Over this past week silver enjoyed another solid stretch of outperformance, offering further confirmation. It started last Friday when gold itself soared 1.7%.
Gold ignited after a Wall Street Journal article claiming the Fed was considering ending its quantitative tightening early! That dovishness hit the US dollar and catapulted gold higher. Over the next 4 trading day's silver surged 4.8% on gold's 3.0%, for 1.6x leverage. If that buying can push silver high enough to reach a psychological critical mass and become self-feeding, it portends major silver upside in coming months.
The more silver rallies, the more speculators and investors will want to buy it. The more capital they push into silver, the faster it will ascend. Buying begets buying in silver just like almost everywhere else in the markets. While upside momentum in itself is bullish anytime, silver's upside potential is far greater than usual because it has been so darned undervalued. That's made room for massive mean-reversion gains.
Silver's "valuation" can be inferred relative to gold, its dominant driver. While the global silver and gold supply-and-demand profiles are independent with little direct linkage, these precious metals are joined at the hip psychologically. Silver rarely rallies materially unless gold leads the way. Silver traders look to gold for cues, which makes silver amplify gold's moves. Silver's technical relationship to gold is ironclad.
All this makes the Silver/Gold Ratio the most-important fundamental measure of silver-price levels. It is technically calculated by dividing daily silver closes by daily gold closes. But that yields tiny decimals that are hard to parse mentally, like the mid-week SGR of 0.012x. It is far more brain-friendly to consider this ratio from the opposite direction, via the Gold/Silver Ratio. This week it ran at an easier-to-comprehend 82.2x.
Silver hadn't been lower relative to gold since early March 1995, practically a lifetime ago considering all that's happened in the financial markets since. Even during the greatest market fear event in our lifetimes the SGR wasn't lower. During late 2008's first-in-a-century stock panic, the SGR just briefly hit 84.1x in mid-October. Being highly-speculative and super-sensitive to sentiment, silver had plummeted leading into it.
That stock-panic episode of extreme SGR lows shows what's probable after silver inevitably reverses and mean reverts higher. Over the 3.7 years since 2005 leading into that panic, the SGR averaged 54.9x. That was right in line with the mid-50s that had been normal for decades. Silver had generally oscillated around 1/55th the price of gold, so miners had long used 55x as the proxy for calculating silver-equivalent ounces.
With silver so radically out of whack relative to gold, those extreme SGR panic lows weren't sustainable. Like a beachball pushed too far under water, silver was ready to explode higher to reestablish its normal relationship with gold. That indeed happened during the post-panic years. After plummeting as low as $8.92 in late-November 2008, silver more than doubled by early December 2009 with a 115.4% gain.
While silver was really outperforming gold after its anomalous lows, at best in that initial post-panic rally the SGR only regained 58.6x. That was still below the 55x secular average. So silver continued slowly grinding higher on balance into late 2010. Then gold started surging again, creating the right sentiment conditions to unleash self-feeding silver buying. Silver skyrocketed from there, surging far faster than gold!
The faster silver soared into early 2011, the more traders wanted to own it and the more capital they poured into it. This psychological phenomenon of higher prices being more attractive runs through nearly all markets. The crazy bitcoin mania in late 2017 was a recent example. Silver's virtuous circle of surging and new capital inflows finally climaxed in late April 2011 at $48.43 per ounce. That was one heck of a bull.
Starting from those extreme stock-panic lows radically undervalued relative to gold, silver had rocketed 442.9% higher in 2.4 years! And that massive run didn't simply stop at a 55x SGR, but instead the huge buying momentum drove a proportional upside overshoot. The SGR peaked at 31.7x, which was 4/5ths as far above that long-term 55x mean as the SGR was below it at stock-panic lows. This principle is crucial.
After longstanding price relationships driven by some kind of inexorable fundamental or psychological links are forced to extremes, they don't just mean revert. That reversion momentum blasts them right through their average to overshoot proportionally towards the opposing extreme! This behavior is very pendulum-like. The farther the SGR is pulled one way, the stronger its swing towards the other side of the arc.
Interestingly that massive mean-reversion-overshoot bull following 2008's stock panic ultimately dragged the SGR high enough to average 56.9x in those post-panic years between 2009 to 2012. Despite great volatility in this ratio, it continued to gravitate towards that 55x secular mean. That persisted until early 2013 when the Fed's unprecedented open-ended third quantitative-easing campaign greatly distorted markets.
That year alone the Fed conjured $1020b of QE capital out of thin air to inject into the markets! That forced the flagship US S&P 500 broad-market stock index 29.6% higher that year. Such blistering gains made investors forget about gold and silver, so they fell precipitously. That shattered fragile sentiment leading to multi-year bear markets in the precious metals. Silver leveraged gold's downside like usual.
Thus the SGR slowly collapsed between early 2013 to early 2016 as gold and silver languished in Fed-driven bear markets. That was a very-challenging time psychologically, scaring away the great majority of contrarian speculators and investors. Ultimately silver plunged so far that the SGR fell to 83.2x at worst in late February 2016. That was an extreme low rivaling the 2008 stock panic's, which truly defies all reason.
Again such SGR extremes weren't sustainable, so silver blasted higher with gold and amplified its gains in roughly the first half of 2016. Unfortunately that new-bull upleg was cut short, capping silver at mere 50.2% gains and the SGR at 65.9x. Silver's typical mean reversion out of extreme SGR lows was indeed underway, but unfortunately it was short-circuited by Trump's stunning surprise election victory that November.
Again that crazy nearly-quarter-century low in silver prices relative to gold prices was more extreme than both during late 2008's stock panic and after late 2015's secular low. Shockingly the SGR average since Q4'15 is now running 76.2x, which is actually worse than the 75.8x in the four months in late 2008 hosting that stock panic! Silver has languished far too low relative to gold in recent years, an unsustainable anomaly.
That guarantees a massive mean reversion higher for silver as gold's young upleg continues to unfold. Seeing gold power higher on balance will motivate speculators and investors to redeploy into silver, which will fuel outsized gains in the white metal. That process is already underway, as proven by silver's sharp gains relative to gold straddling the dawn of this new year. Silver is starting to outperform gold and mean revert!
Let's assume the worst-case scenario, a silver upleg that fizzles prematurely due to an exogenous shock like Trump's election win was back in late 2016. If the SGR merely revisits 65x, at $1250 gold that would mean silver near $19.25. While that's only a 38% upleg from the mid-November lows, it is still well worth riding. At $1300 and $1350 gold, that very-low 65x SGR would yield silver prices near $20.00 and $20.75.
But with the stock markets almost certainly rolling over into a major new bear, it's unlikely gold's upleg will be truncated small again. As long as stocks generally weaken, gold investment demand will remain high driving up gold prices. That will keep traders excited about silver, chasing its gains and bidding it ever higher. It's hard to imagine the SGR not at least mean reverting to its 55x secular average in this scenario.
At 55x and $1250, $1300, and $1350 gold, silver would power up near $22.75, $23.75, and $24.50. Such levels would make for a total silver upleg of 63%, 70%, and 75% from those deep mid-November lows. So even without a proportional overshoot, silver's upside potential is big after being hammered to such deep lows relative to gold. Some magnitude of mean reversion higher is certain after such extreme SGR lows.
It would take a major gold upleg running for a couple years to fuel an SGR overshoot. In essentially the first half of 2016, this gold bull's first upleg powered about 30% higher. That is actually on the small side by historical gold-upleg standards. Apply it to gold's deep mid-August lows driven by record short selling in gold futures, and that yields an upleg target near $1525. That would work wonders for silver sentiment.
Once gold breaks decisively above its bull-to-date peak of $1365 from July 2016, excitement will explode driving outsized self-feeding investment demand. That should fuel a proportional mean-reversion overshoot in silver. Silver far outperforming gold as capital flooded in could even push the SGR up near 35x briefly. While such an upside extreme wouldn't last any longer than downside ones, silver would soar.
At $1400, $1450, and $1500 gold, a mean-reversion-overshoot SGR of 35x would catapult silver way up near $40.00, $41.50, and $42.75 per ounce! That implies silver upleg gains ranging from 186% to 206% from mid-November's low. The key takeaway here is after extreme SGR lows, silver's resulting mean-reversion gains can grow massive. Silver far outperforms gold for a long time after underperforming for years.
As always the biggest gains will be won by the fearless contrarians who buy in early before everyone else figures this out. Investors and speculators alike can play silver's big coming upside in physical bullion, its leading SLV iShares Silver Trust silver ETF, and the silver miners' stocks. But only the latter will leverage silver's gains, making them exceptionally attractive. Consider their example from that last major silver upleg.
Again in 7.6 months in mostly the first half of 2016, silver powered 50.2% higher before Trump's surprise election win short-circuited that rally. The leading SIL Global X Silver Miners ETF rocketed an immense 247.8% higher in essentially that same span! That made for huge 4.9x upside leverage to silver's gains, which is pretty awesome. The major silver miners' stocks will amplify silver's upside in its next big upleg too.
At Zeal we recognized the extreme anomalous lows in the SGR in late 2015 and early 2016 and deployed aggressively in both gold and silver stocks. The resulting gains were outstanding, with the stock trades in our popular weekly and monthly newsletters averaging +111.0% and +89.7% annualized realized gains in 2016! We've filled our trading books again in recent months in anticipation of the next big gold and silver uplegs.
To multiply your wealth in the stock markets, you have to do your homework and stay informed. That's where our newsletters really help. They draw on my decades of experience, knowledge, wisdom, and ongoing research to explain what's going on in the markets, why, and how to trade them with specific stocks. I study the markets all day everyday so you don't have to. Subscribe today and enjoy the fruits of our hard work for just $12 per issue!
That's now happening again, which is a super-bullish omen for silver. Capital inflows are accelerating as gold's gains restore more-favorable sentiment. As long as gold continues meandering higher on balance, silver buying will beget more silver buying. That portends big gains coming in silver and especially the stocks of its miners. Silver mean reversions higher out of extreme lows relative to gold can run for years.


text:
M cells may refer to:

 Microfold cell
 Magnocellular cell
 Motilin secreting cells of the gastrointestinal tract

redpajama_set_name: RedPajamaWikipedia


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O Thou Transcendent
Labels: cd review, tv programme review
We finally watched Tony Palmer's RVW film, O Thou Transcendent last night. As a convinced RVW lover, I found much of the material fascinating, but other aspects of the film seemed less convincing. I was also unsure about how much of the film would appeal to a non RVW lover.The basic format of the film, which intercut extracts of his music with interviews and archive film, seemed a bit restless. Sometimes the musical extracts were profoundly apropos, but at other times they seemed to be mere padding. It does not help that I have a profound dislike of watching extremely composed and stylised views of orchestral players. But then we'd get a discussion of his work on the English Hymnal and would cut to Gloucester Cathedral choir singing one of the hymns, or discussion of folk song collecting would move on to a real folk singer singing one of them. At these times Palmer was doing exactly what should be done in a musical film biography.
The collection of distinguished figures who gave interviews were a mixed bag. Fascinating though it was to hear Sir Harrison Birtwistle, Neil Tennant and Anthony Turnage, their contributions paled into insignificance compared to the contributions from Roy Douglas (RVW's amanuensis) and RVW's niece Belinda (I am a little unclear whether she was RVW's niece or Adeline's). Tippett also managed to put RVW's neglect in the 50's neatly into perspective, comparing his initial reaction to RVW's music to his appreciation in later life of the profound shaping influence RVW had on his successors.
I was rather disturbed by the films intermittent device of having an uncredited voice providing the narrative. At times this was Stephen Johnson but at other times it was another voice speaking as RVW himself. I am unclear whether this was a real RVW interview (though there were some archive clips of him) but it felt like a construct taken from his writings (I recognized odd passages). Added to this there was the naming of Holst problem - RVW never called Gustav Holst by the name Holst, when they were students he called him Von Holst (Gustav's original surname) and then Gustav; it was only when they were on first name terms that Holst dropped the Von.
The film went to a great deal of trouble to establish that RVW's music was not easy stuff. Though they did not say so, they intercut the finale of Symphony No. 6 in a way which suggested it was a bleak prognosis on the world when RVW always insisted its origins lie in the phrase we are such stuff as dreams are made of. The whole Job sequence was a joke, there was footage of Margot Fonteyn dancing (not in Job) over layed with miscellaneous evocative dancers. Given that the Birmingham Royal Ballet have performed the ballet at Covent Garden in living memory, couldn't a little archive footage have been found.
It was seriously interesting to hear Michael Kennedy and others discussing RVW's relationship with Ursula and its sexual nature. Also Jerrold Northrop Moore touched on the point that Adeline's illness might have had a psychomatic/pyscho-sexual origin and said that he had exchanged letters with Kennedy on the subject, but Kennedy did not touch on the subject in his interview.
I understand that Palmer cut his film down from around 5 hours and I would love to see a version which included far more talking and far less music. I found the Ursula VW interview clips rather unhelpful and would have thought that they might have found room for a rather longer, more personal interview (assuming that such material exists).
All in all it was a wonderful experience, but not one which will appeal to everyone I think
Posted by Robert Hugill at Thursday, April 24, 2008
Review of MacMillan Passion
Review of Atalanta
On Monday we went to see Handel's Atalanta at the ...
Choruses from Passion 6
Review of Flavio at the Barbican
ENO New Season
Noodling along
Handel at Home
Next Premiere
Oh, do keep up!
The Proms!
In Transposition
Bernada Fink and Freiburg Baroque Orchestra
Review of Macbeth

redpajama_set_name: RedPajamaCommonCrawl


Arsene Wenger is ready to fund a move for Grzegorz Krychowiak by axing three Arsenal first-team stars.
The Sun claims the Gunners boss has made landing the Poland ace his No.1 priority in January.
Krychowiak signed a new contract earlier in the campaign which has seen his value rocket.
Tomas Rosicky, Mikel Arteta and Mathieu Flamini are all out of contract at the end of the season and won't be offered new deals.
And that £200,000-per-week saving will be spent on 25-year-old Krychowiak.
Aston Villa are one three Premier League clubs that want to sign Chelsea striker Loic Remy next month.
New Villans boss Remi Garde is desperate to land his countryman on loan as his side fight against relegation, Get France Football News report.
Remy is reportedly also wanted by Southampton and Swansea.
Jose Mourinho was ready to let Remy leave, but his replacement Guus Hiddink may decide to give the Frenchman a reprieve as he looks to shake things up in west London.
Liverpool will announce Simon Mignolet has signed a new contract imminently.
Mignolet is in advanced talks over a £60,000-per-week deal and according to The Sun, an announcement is 'imminent'.
News of the goalkeeper's new contract comes days after Red Star Belgrade revealed Marco Grujic is heading to Anfield.
The player's father has denied a move is close, but Starsport understands the deal will be rubber-stamped shortly.


Last summer, after a Flying W Wranglers concert, I found the courage to approach David Bradley and David was kind enough to listen to my ramblings of how I'd been a Wranglers fan for years.
I couldn't stop talking and mentioned that I was the new Senior Center Programmer and would the Flying W Wranglers ever consider performing for our patrons? And, by the way, for a nonexistent budget? His response was a firm maybe. Wow, that was better than a firm no, and David gave me his card asking that I call him after the first of the year.
Five months later, that call was made and you know the rest. The Flying W Wranglers are coming to the Colorado Springs Senior Center!
This unique (and very generous) western musical group, will share their talent and our favorite tunes, all in support of the Senior Center and the service it provides to our community. Everyone, young and old, are invited to join in the fun.
Along with the wonderful entertainment from the Flying W Wranglers – David Bradley yodeler extraordinaire, Luke Tripp on the fiddle, Adam Gardino on guitar and Verolen Kersey on bass – there will be amazing refreshments provided by MacKenzie Place.
This concert is free to all. Donations will be greatly appreciated and will help support the Senior Center's scholarship fund as well as future Senior Center programs.
Mark your calendar: 2 p.m. Wednesday, April 25 at 1514 N. Hancock Ave. Seating is limited so plan to arrive early.
Thank you Wranglers! From your longtime fan and Senior Center Programmer, Sally.


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February 1, 2018 By Helen Brown
Secrecy World
This week's article is about a new keen interest of many of us on the HBG team, and especially those of us in the HBGBookClub: offshore finance. HBG's own Mary Taddia sped ahead of all of us and read the whole thing to share her insights and – I hope – pique your interest enough to join us in reading it! ~Helen
During my time in prospect research, I've had to familiarize myself with ongoing trends in the philanthropic and financial world. As a former English major, I am usually much more comfortable discussing the works of Gabriel García Márquez than I am talking about SEC forms.
But recently, my interest has been piqued by several intriguing books on wealth management and offshore investing. At HBG we are constantly reading and recommending articles, books, podcasts, and websites on these subjects to each other, (and you may have heard that we've formed a book club!).
The book we're reading now (and one of my new favorites) is Secrecy World: Inside the Panama Papers Investigation of Illicit Money Networks and the Global Elite by investigative journalist Jake Bernstein. Bernstein shines a light on the shadowy world of offshore wealth and the Panamanian law firm Mossack Fonseca (MossFon), which played a leading role in the leaked document trove called the "Panama Papers."
Reading Bernstein's book has given me a much clearer understanding of offshore wealth and how high net-worth prospects may use it as an investment strategy. (Note that I did not say "ultra high net worth prospects"—more on this later!) Secrecy World also introduced me to the concepts of bearer shares, nominee officers, and art freeports. Even if you are already familiar with these terms, Secrecy World is worth a read.
Bernstein's book recounts the massive leak of MossFon client's financial records. It was the largest data leak to date (bigger than WikiLeaks), containing 2.6 terabytes of data and 11.5 million files. These records were obtained from "John Doe," an unnamed source who provided them to the German newspaper Süddeutsche Zeitung. The newspaper shared the info with The International Consortium of Investigative Journalists (ICIJ). In turn, the ICIJ enlisted the help of over 300 reporters and news outlets from 76 countries on six continents to create a publicly-accessible database, which can be found here: https://offshoreleaks.icij.org/. (Information from the Paradise Papers and the Bahamas Leaks is also included in the database.)
Bernstein is a former member of the International Consortium of Investigative Journalists (ICIJ). In April 2017, the ICIJ, the McClatchy D.C. Bureau, and the Miami Herald won a Pulitzer Prize for their work bringing details of these leaked documents to the public.
The Panama Papers contains over 360,000 names, including the late father of U.K. Prime Minster David Cameron; Nawaz Sharif, the former prime minister of Pakistan; Dick Cheney; the children of the president of Azerbaijan; Gianni Infantino, president of FIFA (The Fédération Internationale de Football Association); and Simundur Gunnlaugsson, among many others. Gunnlaugsson was the former prime minister of Iceland who stepped down from office after his involvement with MossFon and offshoring became public.
Bernstein devotes the last chapter of Secrecy World to President Trump and the Trump Organization's offshore dealings and Trump's financial ties to Vladimir Putin, who is also featured in the Panama Papers. A book that at times reads like a spy thriller, Secrecy World also discusses Iceland's financial crisis, MossFon's dealings in China and Luxembourg, and the personal stories of former MossFon employees and ICIJ investigators chasing down leads.
Why people offshore their wealth
Offshore investing is a controversial subject. Though legal, many economists, activists and even governments say offshoring contributes to global wealth inequality. Bernstein states that the U.S. alone loses nearly $70 billion a year due to the shifting of corporate finances to tax havens.
Why would anyone choose to invest offshore? Anonymity, asset protection, control, liquidity, and currency diversification, for starters. But the main reason is tax avoidance. According to a leaked memo from MossFon, 95% of its work consisted of selling vehicles to avoid taxes.
It's important to remember that anyone who invests offshore isn't necessarily partaking in criminal activity; establishing an offshore account is completely legal. Tax avoidance is legal; tax evasion is not.
However, once an investment entity is up and running, there is very little oversight. Some investors may continue to abide by the law and use these accounts, trusts, and companies simply to maintain anonymity and control. Others use them to evade taxation or to engage in money laundering or drug smuggling.
Ethical Grey Area
Offshoring is a very grey zone. And $8.7 trillion, or about 11.5% of the world's household financial wealth is hidden in this grey zone.
"We are not angels, but we are not devils either," states Ramón Fonseca at the end of Secrecy World. Fonseca's ambiguous quote highlights the moral complexity of this issue.
As Benjamin Franklin says, "In this world nothing can be said to be certain, except death and taxes", though if you are a high net-worth individual, you can avoid taxes and benefit from the financial loopholes offshore investing offers.
What kind of people make offshore investments? Our prospects: hedge fund managers, private equity investors, art traders, and real estate developers, to name a few. But entry into the offshore world is not only for the uber-wealthy, or even the merely wealthy; setting up an offshore company in the Seychelles with a bank account in Cyprus costs less than $2,500.
How art investors benefit from offshore tax havens
Secrecy World has a fascinating chapter on the $30 billion dollar a year art industry, where over 50% of all sales are private. Bernstein introduces readers to the Geneva Freeport, a highly-secured, private, climate-controlled 600,000 square foot storage facility which contains over 1 million works of art, antiques, and other items from the around the globe.
The estimated value of the freeport's holdings is $100 billion. Any object housed in the freeport is not taxed until it leaves the premises, meaning an investor could buy a painting in New York and have it stored indefinitely in Geneva without paying a penny of tax. Freeports also exist in Luxembourg, Monaco, Singapore, Beijing, and Delaware.
Identifying Prospects With Offshore Wealth
Pay close attention to your prospects with assets in (or pointing to) the Bahamas, Belize, Bermuda, the British Virgin Islands, the Cayman Islands, Cyprus, Curaçao, Guernsey, Hong Kong, Jersey, the Isle of Man, Luxembourg, Malta, Mauritius, Monaco, Singapore, the Seychelles, and Switzerland. And don't forget about prospects with ties to Delaware and Nevada here in the States.
It's also important to keep in mind that we may be underestimating the estimated net assets and gift capacity of prospects who have offshore wealth. According to a recent academic paper on the subject, up to 40% of a high net worth individual's wealth may be hidden offshore.
Though Secrecy World and the Panama Papers have raised awareness about the world of hidden finances, it is by no means a death knell for the offshore wealth industry. UHNWI and HNWIs will continue to find new ways to invest and protect their assets, whether it is through an LLC in the BVI, a shell company in Mauritius, or a foundation in Nevada. MossFon may have shuttered many of their offices due to the Panama Papers, but new companies are sprouting up all over the globe. According to Bloomberg article published last month, the U.S. is the world's 2nd largest tax haven, sandwiched between Switzerland in the top spot and the Cayman Islands in third.
What does this mean for us?
As information gatherers, it's imperative for us to stay on top of emerging financial trends so we can provide value and insight to our end users. Reading Secrecy World is a great place to start, but for those of you who prefer a big-screen version, stay tuned for the film adaptation. Director Steven Soderbergh and Netflix are in the running to create a movie based on Secrecy World and the Panama Papers.
Secrecy World: Inside the Panama Papers Investigation of Illicit Money Networks and the Global Elite by Jake Bernstein (Henry Holt and Co., 2017)
Jake Bernstein's website: http://jakebernstein.net/
The International Consortium of Investigative Journalists (ICIJ): The Panama Papers https://panamapapers.icij.org/
BBC: "Panama Papers Q&A: What is the scandal all about?" http://www.bbc.com/news/world-35954224 (April 6, 2016)
NPR Interview with Jake Bernstein: https://www.npr.org/2017/11/20/565319852/journalist-explains-how-panama-papers-opened-up-the-worlds-illicit-money-network (November 20, 2017)
Oxfam's List of Tax Havens: https://www.oxfam.org/en/pressroom/pressreleases/2016-12-12/worlds-worst-corporate-tax-havens-exposed-oxfam-report-reveals (December 12, 2016)
"Income inequality and offshore tax dodging: The rich are richer than we thought" https://journalistsresource.org/studies/economics/inequality/income-inequality-offshore-tax-haven-research. Journalist's Resource, a project of the Harvard Kennedy School's Shorenstein Center and the Carnegie-Knight Initiative.
Filed Under: News, Researching Individuals Tagged With: Jake Bernstein, Mary Taddia, Mossack Fonseca, Secrecy World
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After a decade of working as an academic librarian, Karla began her career in development in 2008. She served as a Prospect Research Specialist at St. Olaf College, a Prospect Research Analyst at Feeding America, and a Prospect Information Analyst at Northwestern University.
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Steve joined The Helen Brown Group in 2021.
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She earned a bachelor of arts degree from Drew University and a master of communication and information sciences from Rutgers University. She is a member of APRA-NY, APRA International, and serves on APRA's Online Content Committee.
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Monique holds a Master of Arts in Sociology from Memorial University of Newfoundland. She is a member of the New England Development Research Association (NEDRA).
Viola Henning has been working in the nonprofit sector for over 20 years, with over 13 years specializing in prospect research, most recently for Yellowstone National Park's official fundraising and education partner. She has worked for nonprofits in human services, animal care, education, arts/culture, and the environment. Viola began her career as a nonprofit generalist, learning all aspects of nonprofit operation, before becoming a specialist that built/solely managed prospect research programs to support nonprofit fundraising. Viola holds a Master's Degree in Public Administration with a concentration in Nonprofit Management. She serves on the board of directors of her local cultural center where she is chair of the fundraising committee. Viola joined The Helen Brown Group in 2021.
David's career in prospect research began in 2009, as a graduate research assistant at the Shippensburg University Foundation. In 2011, He became a development researcher for the University of Virginia. In 2015, David became assistant director of prospect research at the University of Baltimore, serving for 3 years. Recently, he was the director of development for Trees Forever. David Joined the Helen Brown Group as a research assistant in January 2020. He earned a B.A. in Theater at Indiana University of Pennsylvania and a M.A. in Applied History at Shippensburg University. David is a member of APRA and APRA Great Plains.
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Tara first began her career in development in 2002 supporting the Major Gifts department at Simmons College, and ultimately went on to serve as Assistant Director of Prospect Research. Since that time, she has also worked as a Senior Research Analyst at MIT, as Associate Director of Prospect Management and Research at the Harvard Graduate School of Education, and as Director of Development Research at Combined Jewish Philanthropies (CJP).
Tara originally joined the Helen Brown Group team in 2007 and served as a Research Associate and ShareTraining coordinator until 2008 – she rejoined the company as a Senior Researcher in 2013 and was promoted to her current role in 2018.
She has been an active volunteer with NEDRA for many years and served on the board of directors from 2010-2016. During her time on the NEDRA board, she served in many different roles, including terms as Vice President, Secretary, Chair of the Website and Technology Committee, Chair of the Volunteer Committee, and as Chair and Editor of NEDRA News. She is currently a member of the NEDRA Bootcamp faculty. In addition, Tara has also been involved as a volunteer with Apra, serving stints on the Membership Committee, Chapters Committee, and Bylaws Task Force.
Angie began her career in development in 1999 at Virginia Tech in Corporate and Foundation Relations and later in prospect research at the University of Connecticut Foundation.
A graduate of the University of Tennessee at Martin, her experience includes grants management at the University of South Carolina, program evaluation for South Carolina Research Authority and human resources analysis for Nissan North America.
She returned to development in 2007 and worked in various prospect research positions at Vanderbilt University, including Associate Director. She was named Director for Vanderbilt University Medical Center's research office in 2015, and joined The Helen Brown Group in 2016.
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Josh began his career in development as the Phonathon Coordinator at Keene State College. He then worked at non-profit consulting firm Schultz & Williams in Philadelphia.
He started his research career at the University of Pennsylvania as a Research Assistant in 2005. He then moved over to the Wharton School of Business, where he became the Associate Director, Research and Prospect Management. Josh joined the Helen Brown Group in 2016.
Josh is also a Colorado licensed Realtor and graduate of Lehigh University.
In March 2017, Kristina joined the Helen Brown Group as a Research Associate. Before joining HBG, she was the Research Manager at Pratt Institute in Brooklyn and an Associate Manager of Prospect Research at City Harvest, a food rescue organization. Kristina started her non-profit career as a legal assistant at the Metropolitan Museum of Art in 2004. She is a member of Apra and Apra Greater New York. She was Apra Greater New York's Director of Programming from June 2014 to May 2016. Kristina graduated from The University of Chicago and the Bard Graduate Center.
Grace began her career in development in 2001 as Executive Assistant to the Chief Development Officer with Brigham and Women's Hospital (BWH), a Harvard Medical School-affiliated academic medical center.
In 2003, she became a prospect researcher for the BWH principal and major gifts team and spent the next 11 years in various research positions with BWH, culminating as Assistant Director of Prospect Research. She has been affiliated with The Helen Brown Group since January 2014.
Heather began her career in 2002 as a prospect research coordinator for the Rocky Mountain Elk Foundation and then moved to Carroll College in 2004.
In 2005, Heather began working on her own as a freelancer and eventually started her own consulting firm, Willis Research Services, in 2007. She joined The Helen Brown Group in 2012.
Heather is a member of the Association of Professional Researchers for Advancement and the Montana Nonprofit Association.
Jennifer began her career in development at her alma mater, Wheaton College, where she was an administrative assistant for the major gifts department.
She joined The Helen Brown Group in March 2008. She earned a master's degree in library science from the Southern Connecticut State University in May 2009. Jennifer is a member of APRA and NEDRA.
Rick has been a member of the Helen Brown Group team since 2005. Prior to joining HBG, Rick was director of research at St. Paul's School in Concord, New Hampshire. Rick has worked in development since 1996, both in prospect research and major gifts fund raising. His experience includes the University of Vermont, Phillips Exeter Academy and St. Paul's School.
Rick is past president of NEDRA and is a member of and frequent volunteer for APRA.
Mandi has worked in prospect research and management since 2006. She began her development career as a research analyst in development research at City of Hope, an NCI-designated comprehensive cancer center in Los Angeles. From there, she became the manager of prospect development at Huntington Memorial Hospital, a community hospital in Pasadena, CA. Most recently, she was the associate director of prospect research and management at Occidental College, a private liberal arts college in LA.
Mandi has a BA degree in print journalism from Southern Methodist University and a master's degree of library and information science from UCLA.
She joined the Helen Brown Group in May 2019.
Kelly began her career in development in 2008 as an administrative assistant in Major Gifts at Wheaton College.
In 2010, she became a research analyst at Dana-Farber Cancer Institute in the Division of Development & Jimmy Fund as part of the prospect identification team. Kelly joined The Helen Brown Group in 2013.
She is a member of APRA and NEDRA.
Julie has managed finances for The Helen Brown Group since its founding.
In her spare time, she is an editor for the PBS series Masterpiece at WGBH. Julie was nominated twice for an Emmy award for her work on the PBS show Zoom.
Heather began her career in development in 2001 as a prospect researcher for National Wildlife Federation (NWF). She was with NWF for more than thirteen years, including nearly five years as director of research and analytics. Heather is a former secretary of the board of directors of APRA-Metro DC.
She joined The Helen Brown Group in October 2014.
David began his career in development at The Gunnery school in northwest Connecticut in 2011, where he worked in database management and prospect research. Subsequently, he joined the College of Saint Rose as a development research analyst before leading Albany Medical Center Foundation's prospect research efforts as Associate Director of Prospect Research. He has a Bachelor's Degree in Sociology from Siena College and is a member of APRA and CASE.
Michele began her career in development in 2012 when she joined the UC Berkeley corporate and foundation relations team as a development analyst. She spent a year and a half at Cal before returning to UC Davis as a prospect analyst. She was with the prospect management and relations team at UC Davis for almost three years prior to joining the research and relationship management team at George Washington University as a Senior Prospect Analyst in 2016.
Michele received her BA in creative writing from Florida State University and her MA in higher education leadership from CSU Sacramento. She currently resides in Northern Virginia, is a member of Apra International, and serves as the social media chair for Apra Metro DC. Michele joined The Helen Brown Group in July 2018.
Angie has worked in development since 2002, partnering with a wide range of nonprofit institutions. She began her professional career at Vanderbilt University in research and prospect development.
She has also worked with a number of community nonprofits in front-line fundraising, grant-writing, and event management. Angie holds an MPA in Nonprofit Management from the Indiana University Lilly Family School of Philanthropy and a BS in Journalism from Middle Tennessee State University. She resides in Nashville, Tennessee, and is a member of AFP Nashville and APRA MidSouth, where she has been active on the executive team.
Maureen has been a part of the non-profit world since 1991. She started out in annual giving at Harvard Law School and continued her career as director of annual/special gifts at UC Santa Cruz.
In 1999 she made the switch from front-line fundraising to serve as director of prospect research/management at Bentley University and in 2001 began her role as administrator for the North American Foundation for the University of Manchester. She became part of the HBG team in September of 2011.
Helen has been a development professional since 1987. Her previous experience includes The University of North Carolina at Chapel Hill, the Albert Einstein Institution, Boston College, the Harvard School of Public Health and Northeastern University.
Currently she works with a variety of clients to establish, benchmark and re-align research departments; identify major gift prospects; and train researchers and other fundraisers through on-site and web-based training services.Helen is a former member of the board of the Association of Professional Researchers for Advancement (APRA) and is past president of the New England Development Research Association (NEDRA). In 2006 she received the NEDRA Ann Castle Award for service to the prospect research community.
Helen is Special Advisor on Fundraising to the North American Foundation for the University of Manchester and is a member of the board of directors of Factary Ltd. (Bristol, UK). She is a member of NEDRA, APRA, the Association of Independent Information Professionals (AIIP), Women In Development, the Association of Fundraising Professionals (AFP) and Researchers in Fundraising (UK).
Helen is a frequent speaker and has led seminars for a number of professional associations, including Action Planning, AFP, APRA, the Council for Advancement and Support of Education (CASE), NEDRA, RIF, the Planned Giving Council of Central Massachusetts, the Georgia Center on Nonprofits, the International Fundraising Congress and Resource Alliance.
Helen is also co-author (with Jen Filla) of the book, Prospect Research for Fundraisers (Wiley & Sons, 2013).


These are literally the bomb! Fizzy, fruity & colourful! Will keep purchasing these as we have never like the department store ones that smell full of chemicals. The Waffle bath bombs are delicious fun with any of the nasties!


text:
Q: Python prime list integer = int(input("Enter an integer: "))
if integer >= 2:
    print(2)
for i in range(2, integer + 1): # range 2,3,...,integer (excludes 1)
    for j in range(2, i): # we are going to try dividing by these
        if i % j == 0: # not prime
            break
        else: # is prime
            print(i)

input:
7

output:
2
3
5
5
5
7
7
7
7
7

output I want:
2
3
5
7

adding more detail to get past error:
It looks like your post is mostly code; please add some more details.

A: You're printing i for every value of j that doesn't divide it, until you get a value that does divide it and you execute break.
You should only print i when you don't break out of the loop. Put the else: statement on the for loop, not if. This else: statement is executed when the loop finishes normally instead of breaking.
for i in range(2, integer + 1): # range 2,3,...,integer (excludes 1)
    for j in range(2, i): # we are going to try dividing by these
        if i % j == 0: # not prime
            break
    else: # is prime
        print(i)

A: Put the print(i) in the outer for loop with a flag that keeps track of the result.
for i in range(2, integer + 1): # range 2,3,...,integer (excludes 1)
    isPrime = True
    for j in range(2, i): # we are going to try dividing by these
        if i % j == 0:
            isPrime = False
            break
    if isPrime:
        print(i)

A: Your logic is slightly wrong. I have added the correct code below with comments :
integer = int(input("Enter an integer: "))

if integer >= 2:
    print(2)

for i in range(2, integer + 1): # range 2,3,...,integer (excludes 1)
    prime=true                       #assume that i is prime
    for j in range(2, i):       # we are going to try dividing by these
        if i % j == 0:          # not prime
            prime=false             # we now know it is not prime
            break
    if prime==true:                # if we didn't do prime=0, then it's a prime
        print(i)

What you were doing is printing i for every j from 2 to i that did not divide i. But instead, what had to be done is print i only once when none of the j from 2 to i divided i.
Hope you understand the mistake and this clears your doubt !

redpajama_set_name: RedPajamaStackExchange


text:
Bugatti Veyron Grand Sport designed by artist Bernar Venet
By Eiman Aziz
Artist Bernar Venet designed a striking Bugatti Veyron Grand Sport for Art Basel Miami Beach 2012 unveiled at The Rubell Family Collection.
As with every special-edition Veyron, the car is uniquely painted in a scheme of dark chocolate browns on the outside and lighter versions of the same colors inside the cabin.
Venet, who has a fascination with the beauty of mathematical equations, wrapped the car's exterior and interior with the actual formulas and symbols engineers use to design the famous driving machine. The result is an exquisite, dynamic, one-of-a-kind work of art. Bugatti describes it simply as, "the fastest artwork ever."
WHITEWALL: How have the reactions been to your adaptation of the Bugatti Grand Sport?
BERNAR VENET: People have been extremely enthusiastic. The Bugatti in itself is already a masterpiece. But with the idea of using mathematical and technical equations, adding something original to it, visitors have been looking with very big eyes!
WW: There have been synergies in the past between luxury and art – jets and yachts and cars that have been specially painted or designed. But it's hard to recall such a powerful combination of art and machine.
BV: I have to be modest—the car, is more important than me. This is the most extraordinary car that has ever been built in the history of cars. Ever. There is nothing that can be compared to it. Even the Bugatti Royale, which was incredible in the 1920s, is just a reference point today.
Now – it's a car before anything. But of course, we tried to do something a little extra, something a little bit unusual.
WW: What were some of the challenges in the process?
BV: When Bugatti invited me, my answer immediately was, "You don't paint a Michelangelo." How can you possibly add something? I thought, I cannot make this car look better than what it is.
But they insisted, so I tried to find a solution. The solution, in the end, was to have the car talk about itself; a declaration. The equations are mathematical studies that were performed in order to make the car go fast and perform incredibly.
WW: Your signature passion for mathematical formulas seems to be quite the perfect partnership then, as "a ready made canvas on the Bugatti."
BV: Yes, all the graphics that are put on the exterior body panel are basically an homage to the car itself. Not just to the design, but also to the functionality and the power of the machine. This car has four turbos! It is superlative. It's the fastest convertible in the world!
WW: Can you give us an example of one of the mathematical formulas and what it actually means?
BV: This Bugatti has an engine that is beautifully shaped like a W. Basically you have the camshaft, which is at the bottom, and from all the sides, the cylinders that are running. As a result, the axle of the camshaft is not exactly in the middle. One of the formulas is basically how to calculate the exact position of that camshaft inside the engine. That's one example of a mathematic formula that is used for the development of this engine.
I want to present works of art that are totally abstract. And there is nothing more abstract than a mathematical equation. The ideal solution would be to use symbols, equations, and mathematical concepts.
WW: What is the significance of the saturation of color that starts out bright orange and fades to the chocolate brown?
BV: It's like speed is erasing the letters. It gives a feeling of absolute dynamism.
WW: What is the focus of your next project?
BV: It will be homage to al-Khwārizmī – he was Egyptian. It will be at the Venice Biennale. In the history of mathematics, he is one of the biggest. He invented Algebra. And I'm sure he drove a Bugatti!
Photos: Gustavo Caballero/Getty Images for Bugatti


text:
package com.hazelcast.concurrent.atomicreference.operations;

import com.hazelcast.concurrent.atomicreference.AtomicReferenceContainer;
import com.hazelcast.concurrent.atomicreference.AtomicReferenceDataSerializerHook;
import com.hazelcast.nio.ObjectDataInput;
import com.hazelcast.nio.ObjectDataOutput;
import com.hazelcast.nio.serialization.Data;

import java.io.IOException;

public class ContainsOperation extends AbstractAtomicReferenceOperation {

    private boolean returnValue;
    private Data contains;

    public ContainsOperation() {
    }

    public ContainsOperation(String name, Data contains) {
        super(name);
        this.contains = contains;
    }

    @Override
    public void run() throws Exception {
        AtomicReferenceContainer atomicReferenceContainer = getReferenceContainer();
        returnValue = atomicReferenceContainer.contains(contains);
    }

    @Override
    public Object getResponse() {
        return returnValue;
    }

    @Override
    public int getId() {
        return AtomicReferenceDataSerializerHook.CONTAINS;
    }

    @Override
    protected void writeInternal(ObjectDataOutput out) throws IOException {
        super.writeInternal(out);
        out.writeData(contains);
    }

    @Override
    protected void readInternal(ObjectDataInput in) throws IOException {
        super.readInternal(in);
        contains = in.readData();
    }
}

redpajama_set_name: RedPajamaGithub


I'm cross posting a link to a thread my modeling partner David posted in the FS9 forum, because even though we're working in FS9, it occurs to me that most of the modelers have moved to FSX.
We've figured out a workaround, but we'd like to find a real solution. Any ideas would be greatly appreciated.
Hi. Been a long time since made textures for scenery but your problem might be the fact that when the texture is applied, because of the curved area, there are portions of the texture taken from farther out on the texture macro then you have allowed for. Try making your background color the same color as what you want on the model. You should be able to check the results right away after you apply the new texture. My airplane texture macros did not represent the shape of the airplane.
You can give this a try: When you make the texture, don't MIP map it. Let the single image stand on it's own. Some textures are more susceptible to bleeding for some reason. I've found that red is the worst. Don't know why, but I also spent a week on one texture until I stumbled upon that.
Yep, it was the mips.
Below is what I just posted in the FS9 forum, where Ack Ack also suggested that it might be the mips. As I stated there, I ALWAYS save without mips, but somehow they snuck into this project's textures, and I didn't recognize what was going on when I saw it.
BTW, the red surround was put there specifically because it showed up the worst, for purposes of illustration. Had we not found the problem, I was going to just make the surrounding color the same as the aircraft color for each paint.
The problem was in the textures! It was the mipmaps!
I'm the texture guy in this partnership, and it was my fault completely.
I ALWAYS save my texture files without mips, right from the start, when I convert David's 256-color templates to 32-bit textures. And the "save with mipmaps" block remains UNchecked in my DXTbmp. Yet somehow the textures had mips.
I don't know how it happened, but I feel really dumb that it never occured to me to double-check the mips before jumping to the conclusion that there must be something wrong with the model. I should've recognized what was happening on sight.
THANK YOU to all who responded in this thread, and especially to Ack Ack for inspiring me to check for mips.


Pegasus Foods is a company located in Canada, V7E 2R4 Richmond at 3277 Georgia Street. Pegasus Foods has an ACTIVE entity status and a LAPSED LEI code. The Legal Entity Identifier code of Pegasus Foods is 5493006XYEC2GWBEF163. The legal form of this company is 8888.


The Senate is to hold a series of hearings on different aspects of U.s. foreign policy towards Russia. Pressure from Congress has begun to have a discernible influence on Trump Administration policy toward Russia.
First, A draft resolution introduced in the House of Representative on July 24 called for the U.S. never to recognize the Russian invasion by military force and subsequent purported "annexation" of the Ukrainian peninsula known as the Crimea.
Federation (July 24, 2018). Introduced in the House by Dave Joyce (R-Ohio).
Second, Secretary of State Mike Pompeo, shortly before testifying before the Senate Foreign Relations Committee, issued a statement on the Crimea declaring that the U.S. would not recognize the Russian occupation and "annexation" of the peninsula. In remarks before the Committee, Pompeo reaffirmed the content of the statement, which was in part inspired by the Welles' Declaration in 1940 regarding the non-recognition of the Russian occupation nof the Baltic countries of Latvia, Lithuania, and Estonia in 1940. Significantly, Pompeo—and the Trump Administration–reaffirmed the importance of the international law principle prohibiting the international use of force and the principle of non-recognition of territories acquired through the threat or use of force.
See Brett Samuels, "Pompeo: US 'rejects Russia's attempted annexation of Crimea'," The Hill, July 25, 2018 (02:27 PM EDT).
Third, Pompeo made clear in his testimony that Russia should comply wish the Minsk agreements regarding the peaceful resolution of the conflict in the eastern Ukraine, which began with Russian subversion and military invasion in 2014.
Finally, responding to strong criticism from Republican Senators, Trump postponed this invitation to Vladimir Putin to visit the White House until after the Mueller investigation had concluded, or at least until next year.
Congress under the Constitution has an important oversight function to perform with respect to foreign policy, and can be an important check on abuses by a president. Today, Senator Bob Corker (R.-TN) began to reassert to power of the Senate Foreign Relations Committee, earlier led by such stalwarts as Sen. J. William Fulbright and Sen.
Whatever the pressures from within the Republican party, the Trump Administration deserves credit for getting it right–finally!–on the Crimea. If Barack Obama and the Europeans had taken such a firm stand backed by real sanctions in March 2014, instead of waffling, Putin might never have been so emboldened as to invade the Eastern Ukraine.
Paradoxically, Trump's pitiful performance at the summit in Helsinki, on July 16, may have stiffened the resolve of Republicans in Congress sufficiently to produce a good policy result.
In an apparent attempt to accomplish what the president's own statements had not, Mr. Pompeo came armed with a formal declaration refusing to recognize Russia's seizure of Crimea in 2014. He insisted to a packed hearing room that the president was "well aware of the challenges that Russia poses" and had taken "a staggering number of actions to protect our interests," calling them "proof" that Mr. Trump was willing to hold Moscow to account.
In his testimony, Mr. Pompeo sought but fell short of assuring senators that the United States would never acknowledge Russia's annexation of Crimea. He did not directly answer whether sanctions to punish Russia for seizing the Ukrainian peninsula would remain in place in perpetuity.
Instead, Mr. Pompeo repeatedly restated United States policy, saying that after the Helsinki summit meeting, the stance on sanctions "remains completely unchanged," and that "no commitment has been made to change those policies." But he did not speak to whether Mr. Trump had signaled any willingness to reconsider or modify them.
I want to assure this committee that the United States does not and will not recognize the Kremlin's purported annexation of Crimea. We stand together with allies, partners and the international community in our commitment to Ukraine and its territorial integrity. There will be no relief of Crimea-related sanctions until Russia returns control of the Crimean Peninsula to Ukraine. This Crimea declaration formalizes United States policy of nonrecognition.
See also Mark Najarian, "U.S. Issues 'Crimea Declaration' Reaffirming Rejection Of Russia's Annexation," RadioFreeEurope/RadioLiberty, Last Updated: July 26, 2018 (05:22 GMT).
Worth noting is that since the Stimson Doctrine was announced in 1932, it has been the policy of the United States not to recognize international territorial changes produced by the use of force.
Readers should note that the specific Crimea-related sanctions were a slap on the wrist to Russia. The really serious sanctions, which Russia is strongly resisting, came only after Russian military intervention in the Eastern Ukraine. These could be lifted, it would appear, without violating the literal statement of Pompeo before the Senate Foreign Relations Committee on July 25.
Everyone needs to keep their eyes sharply focused on President Trump. We don't know if the heavy sanctions, also adopted by the European Union in response to the Russian military intervention in the eastern Ukraine, were discussed in Putin's and Trump's two–hour private conversation in Helsinki on July 16.


text:
MoboReader> Fantasy > Lord Of Martial Arts
Chapter 387 It Was Over (Part One)
Lord Of Martial Arts By Meng Mian Characters: 6287
The lean older man kept on running while putting restrictions around him to avoid the attack coming from his opponent that was chasing him from behind. Without looking back, he could sense that the Water Kylin was not that far from him because he could feel the mighty strength that radiated out of the beast. The restrictions that he was releasing were of no use—they were easily broken and suppressed by the Water Kylin.
"Please, young man, don't kill me! I have no animosity against you. You can kill Waldo, the purple-robed guy, instead and beat him as long as you like! I will give you no trouble for doing that!" bellowed the older man as he was catching his breath. He could feel his legs were about to give up from running, and his heart seemed to leap out of his chest. Seeing that he was about to be caught, with the beast just a few inches away from him, the thin older man panicked. The beast that kept chasing him made him feel extremely frightened. Yet he kept on running determined to keep a safe distance away from his doom.
"Ha! Are you telling me that you don't want to die? Don't think that I didn't hear what you said just now. You said that you would kill me as soon as you get the fruit! You won't even let an ordinary martial artist live. Don't you think you deserve to die by just saying those words?" Darren shouted. He was just on the back of the Water Kylin and didn't even care about the thin older man's begging words. He intended to teach that older man a lesson that he would surely remember for the rest of his life. After all, Darren was such an effective teacher, not so kind though, but his teachings would do.
"Die old man! Run for your life!" The Water Kylin roared, while he was stretching his claw to grab the older man like a small mountain crushed under a gigantic palm.
In an instant, the air around the older man shattered, as if a
Drugged one night by her ex-boyfriend, a mysterious man took advantage of her in an ecstatic night filled with sex. To take her revenge, she married the man, and used him. "As long as I'm alive, I'm still his legal wife, while all of you are just his mistresses."She remained adamant even when he was involved in scandals with other women...
out Waldo and the older man. All he wanted to do was award them the punishment they both deserved.
"Haha! Kill me first! I am not afraid to die. But before you do it, let me give you a piece of advice. That older man is using his arcane skill to send a message asking for help. If you don't kill us now, his followers would be here soon. Though I doubt that they can do any harm to you and your legendary beast, at least, they might take him away," the purple-robed rule cultivator said with a determined look on his face. Clearly, he had given up all hopes of saving his life. He knew for sure that Darren would not allow him to see the break of dawn.
Hearing his words, the thin older man vomited even more blood. He was so furious right now, but sadly he couldn't do anything about it. What Waldo said made him lose his last chance to live—they were all true, and he couldn't find any means to contest his words.
"Waldo! You bastard! What a foul mouth you have. I'm going to kill you!" the old man shouted angrily.
With those words from the older man, Darren gave him a malicious glare. Being cautious this time, Darren scrutinized the man from head to foot. Right then and there, indeed, there was a red rune shining hidden on his palm.
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