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FDIC Backs Ban on Banks Trading for Own Profit; Volcker rule would limit banks' trading
Forums: Banks
BumbleBeeBoogie
Reply	Wed 12 Oct, 2011 10:41 am
This is long overdue, but will Volcker be able to achieve it? The banks will fight it fiercely. ---BBB
FDIC Backs Ban on Banks Trading for Own Profit
By MARCY GORDON AP Business Writer
WASHINGTON October 11, 2011 (AP)
Banks would be barred from trading for their own profit instead of their clients under a rule being proposed by federal regulators.
The Federal Deposit Insurance Corp. backed the draft rule on a 3-0 vote Tuesday. The ban on proprietary trading was required under last year's financial overhaul law.
For years, banks had bet on risky investments with their own money. But when those bets go bad and banks fail, taxpayers could be forced to bail them out. That's what happened during the 2008 financial crisis.
The Federal Reserve has also approved the draft of the so-called Volcker Rule, which was named after former Fed Chairman Paul Volcker.
The Securities and Exchange Commission and Treasury Department must still vote on it, and then the public has until January 13 to comment. The rule is expected to take effect next year after a final vote by all four regulators.
Congress and President Barack Obama had high hopes for the rule. But they left most of the details for regulators to sort out.
It's unclear how strictly the ban will be enforced. For example, it can be hard to tell whether an investment is intended to benefit a bank or its clients and whether federally insured deposits could be put at risk by these trades.
And in some cases, banks can get around the rule and continue making proprietary trades. For example, they can make such trades if they are intended to offset other risky trades made on behalf of clients.
Wall Street banks have complained that the ban on proprietary trading could prevent them from buying and selling investments that their customers might want. It would also put U.S. financial firms at a competitive disadvantage to those in other countries.
At the same time, several big U.S. banks have already shut down their proprietary trading operations in response to enactment of the financial overhaul.
The rule also would limit banks' investments in hedge funds and private equity funds, which are lightly regulated investment pools. Banks wouldn't be allowed to own more than 3 percent of such a fund. In addition, a bank's investments in such a fund couldn't exceed 3 percent of its capital.
Before Congress passed the financial regulatory overhaul, banks had no limit on how much of those funds they could own. Still, typically on Wall Street, such investments already fall below the 3 percent threshold.
Banks could still put their clients' money into those funds. They will still be able to manage such funds, and collect fees and a percentage of trading profits.
Type: Discussion • Score: 0 • Views: 855 • Replies: 5
@BumbleBeeBoogie,
I hope the FEDs enforce the HELL out this ruling! Thanks BBB for bringing it up here.
SEC third regulator to support ban on banks trading for their own profit
WASHINGTON — The Securities and Exchange Commission Wednesday backed a proposal to bar banks from trading for their own profit instead of their clients.
The SEC voted 4-0 to send the ban on so-called proprietary trading out for public comment. The rule was required under the financial regulatory overhaul.
Critics on the left have dismissed the effort as weak and marred by loopholes. Banks argued it would hurt the economy.
The SEC is the third federal regulator to support the proposal, called the Volcker Rule after former Federal Reserve Chairman Paul Volcker. On Tuesday, the Federal Deposit Insurance Corp. and the Federal Reserve both backed it.
For years, banks bet on risky investments with their own money. But when those bets go bad and banks fail, taxpayers may have to bail them out. That happened during the 2008 financial crisis.
Under the proposal, banks must hold investments for more than 60 days and bank managers must make sure employees comply with restrictions.
The public has until Jan. 13 to comment on the rule, which is expected to take effect by July after a final vote by all the regulators. Banks would have until July 2014 to comply.
Critics on the left contend that the rule as written is too vague and its effect on risk-taking will be limited. Banks have a history of working around rules and exploiting loopholes. In this case, banks can make most trades simply by arguing that the trade offsets another risk that the bank bet on.
Wall Street banks say the ban on proprietary trading could prevent them from buying and selling investments that their customers might want.
SEC Commissioner Troy Paredes, a Republican, on Wednesday echoed Wall Street's criticism. He said the restrictions could dry up the flow of securities trading in the markets and would impose a heavy compliance burden on banks. Still, Paredes voted to approve the draft the rule.
The rule also would limit banks' investments in hedge funds and private equity funds, which are lightly regulated investment pools. Banks wouldn't be allowed to own more than 3 percent of such a fund. A bank's investments in such a fund couldn't exceed 3 percent of its capital.
Banks could still put their clients' money into those funds. They will still be able to manage such funds, and collect fees and a percentage of trading profits.
Wall Street Sees 'No Exit' From Financial Woes as Bankers Fret
Oct. 12 (Bloomberg) -- Wall Street executives, facing demonstrators camped for a fourth week in New York's financial district, say they're anxious and angry for other reasons.
An era of decline and disappointment for bankers may not end for years, according to interviews with more than two dozen executives and investors. Blaming government interference and persecution, they say there isn't enough global stability, leverage or risk appetite to triumph in the current slump.
"I don't think it's a time to make money -- this is a time to rig for survival," said Charles Stevenson, 64, president of hedge fund Navigator Group Inc. and head of the co-op board at 740 Park Ave. The building, home to Blackstone Group LP Chairman Stephen Schwarzman and CIT Group Inc. Chief Executive Officer John Thain, was among those picketed by protesters yesterday. "The future is not going to be like a past we knew," he said. "There's no exit from this morass."
An anemic global economy, the European sovereign debt crisis, U.S. unemployment stuck above 9 percent and swooning stock markets have sapped the euphoria that swept Wall Street in 2009 as it rebounded to record profits after the credit crisis. The benefits of a $700 billion taxpayer bailout and $1.2 trillion in emergency funding from the Federal Reserve have faded. Next week Goldman Sachs Group Inc. may report its second quarterly loss per share since going public in 1999, according to the average estimate of 26 analysts surveyed by Bloomberg.
'Financial Bubble'
"They're not going to make the kind of money they wanted," said William Hambrecht, chairman of San Francisco- based WR Hambrecht & Co., who designed the Dutch auction of Google Inc.'s 2004 initial public offering. "I'm not sure people really have come to terms with the fact that what we had was a financial bubble."
New rules from the Basel Committee on Banking Supervision will more than double capital requirements for banks. Fixed- income revenue could fall 25 percent under a draft of the Volcker rule, which may outlaw so-called flow trading, according to an Oct. 10 note from Brad Hintz, a Sanford C. Bernstein & Co. analyst. Leverage has been cut by more than half at banks including Goldman Sachs and UBS AG, and an Oliver Wyman and Morgan Stanley report estimates that regulation may reduce returns on equity by 4 to 6 percentage points.
The new rules are the result of "societal objectives of a populist administration in Washington," private-equity investor Wilbur Ross said in an e-mail. John Phelan, co-founder of MSD Capital LP, a New York-based fund that manages assets for billionaire Michael Dell, said "the whole capitalist system is being called into question."
'Ways to Profiteer'
Not everyone is worried about the banks.
"I wouldn't shed too many tears for Wall Street," Neil Barofsky, 41, the former special inspector general for the Troubled Asset Relief Program who is now teaching a class on the financial crisis at New York University School of Law, wrote in an e-mail. "The systemic advantage that the too-big-to-fail banks enjoyed in the lead-up to the financial crisis may be diminished in the near term, but the structure is still essentially the same and will almost certainly help catapult them to record profits and bonuses once the good times return."
Ross, 73, the billionaire chairman of New York-based WL Ross & Co., said Wall Street's "inherent ingenuity" shouldn't be discounted and that "the history of the investment community shows that it will find ways to profiteer."
Others identified potential financial bright spots, including so-called black-swan and tail-risk funds designed to protect against market shocks. One black-swan fund, Universa Investments LP, whose Santa Monica, California, office features a Japanese print of a wave about to break over fishermen, produced returns of 20 percent to 25 percent this year, though August, according to a person familiar with the matter.
'More Secular'
Still, almost all corners of Wall Street are suffering. James Staley, head of JPMorgan Chase & Co.'s investment bank, estimated last month that third-quarter trading revenue may drop by 30 percent and investment-banking fees by 50 percent. The Standard & Poor's 500 Index had its worst decline in the quarter since 2008, and Brent crude-oil futures saw their longest slump. The average yields demanded on U.S. commercial-mortgage bonds in excess of Treasuries climbed the most in three years.
"Unlike some other slowdowns, this feels more secular," said Wilson Ervin, a Credit Suisse Group AG senior adviser who stepped down as chief risk officer in 2009.
'Recalibrated' Compensation
While there had been "an understandable path" out of the turmoil of 2008, there's a more encompassing uncertainty now, said Frederick Lane, vice chairman of investment banking at St. Petersburg, Florida-based Raymond James Financial Inc.
"There's going to be some disillusionment, similar to physicians," said Lane, 62. "The notion that somehow going to medical school would deliver you substantial wealth and prestige is no longer true."
Ilana Weinstein, CEO of search firm IDW Group LLC, said in an interview that she had nothing good to offer a trading executive in his early 40s who complained last month about morale at his bank, one of the six largest in the U.S.
"This is the first time that people don't necessarily believe it will get better," said Weinstein, whose Third Avenue office has two exits "like a high-end plastic surgeon" to assure discretion. "Compensation has been recalibrated."
Michael Karp, 42, CEO of New York-based recruitment firm Options Group Inc., said Wall Street pay will fall 30 percent this year, and more for executives. It will be flat or down even in businesses doing relatively well, such as emerging markets and commodities, he said.
Those are the survivors. The biggest global banks already had been cutting jobs at the fastest rate since 2008 when Bank of America Corp. said last month that it will eliminate 30,000 positions. London-based HSBC Holdings Plc, Europe's largest lender, aims to shed the same amount. UBS, Switzerland's biggest bank, is shrinking after a $2.3 billion trading loss.
"Sharply" falling profits will lead to almost 10,000 financial-services job cuts in New York City by the end of 2012, according to a report released yesterday by New York State Comptroller Thomas P. DiNapoli. The prospects for Wall Street "have cooled considerably," he said in a statement.
"The stress levels are getting very high," said MSD Capital's Phelan.
The 46-year-old hedge-fund manager said the current aversion to risk across Wall Street could jeopardize profits.
"It's one of the things I struggle with: Everybody's risk- off, so should I be risk-on?" he said. "There are so many things I have to worry about."
Two former Goldman Sachs managing directors who asked not to be identified because they weren't authorized by their current firms to speak, one a former management committee member and the other a trading head, also said they were worried that investment bankers have lost their appetite for risk.
Torrisi Italian Specialties
Uncertainty didn't stop some on Wall Street from profiting during the U.S. housing collapse, when Deutsche Bank AG trader Greg Lippmann helped create and profited from a multibillion- dollar market in subprime-based derivatives. He said Wall Street will have fewer exotic products to sell and trade, drawing an analogy to the popular no-reservations restaurant Torrisi Italian Specialties.
"No choosing, great food, low price, no pizzazz," said Lippmann, co-founder of New York hedge fund LibreMax Capital LLC. "A couple of years ago, the hottest place to go would be someplace that they just spent $5 million decorating and they've got three or four models answering the phones. People want stripped-down now."
'Everybody Hates Me'
That isn't diminishing lobbying efforts to soften rules mandated by the Dodd-Frank Act, which would reduce risk, curtail proprietary trading and force more transparency in the $601 trillion derivatives market. Large financial institutions have been "exceedingly aggressive at trying to roll back reform" and have largely succeeded, said Greenlight Capital Inc. President David Einhorn, 42, who bet against Lehman Brothers Holdings Inc. in the months before that firm's collapse.
Leon Cooperman, the first Goldman Sachs Asset Management CEO and head of hedge fund Omega Advisors Inc. in New York, said Wall Street has been "excessively" blamed and President Barack Obama has "continued to project himself as anti-wealth, anti- business and socialist in his leanings."
Phelan said he's worried about "social unrest."
"My taxes are going up," he said. "Everybody hates me. I have two friends who bought land in New Zealand. They're trying to convince me to go."
He isn't planning to visit.
"I'm not one of those extreme people," he said.
A version of that social unrest is taking place in lower Manhattan's Zuccotti Park, where Occupy Wall Street protests against bank bailouts and income inequality have gained support from Nobel Prize-winning economists Joseph Stiglitz and Paul Krugman. On Oct. 1, police halted a march over the Brooklyn Bridge, arresting about 700, and have used pepper spray.
"We have too many regulations stopping democracy and not enough regulations stopping Wall Street from misbehaving," Stiglitz, an economics professor at Columbia University, told protesters the next day. "We are bearing the cost of their misdeeds. There's a system where we've socialized losses and privatized gains. That's not capitalism."
Bankers aren't optimistic about those gains. Options Group's Karp said he met last month over tea at the Gramercy Park Hotel in New York with a trader who made $500,000 last year at one of the six largest U.S. banks.
The trader, a 27-year-old Ivy League graduate, complained that he has worked harder this year and will be paid less. The headhunter told him to stay put and collect his bonus.
"This is very demoralizing to people," Karp said. "Especially young guys who have gone to college and wanted to come onto the Street, having dreams of becoming millionaires."
--With assistance from Christine Harper, Shannon D. Harrington, Dawn Kopecki and Michael J. Moore in New York, Silla Brush in Washington and Seth Lubove in Los Angeles. Editors: Robert Friedman, Peter Eichenbaum
Trader Pay Would Face Restrictions Under Draft Volcker Rule
By Cheyenne Hopkins and Phil Mattingly
(Updates with Kaufman comment starting in 18th paragraph.)
Sept. 26 (Bloomberg) -- U.S. banks would have to change the way they compensate traders involved in market-making activities under one of the proposed restrictions of the so-called Volcker rule, according to a draft circulating among regulators.
The rule, which aims to ban most proprietary trading by banks with federally insured deposits, would exempt trades related to market-making as long as the activity met at least seven standards, or principles. One principle would be that traders get paid from fees and the spread of the transactions rather than the appreciation or profit from their positions, according to a copy of the draft reviewed by Bloomberg News.
The Volcker rule, part of the Dodd-Frank Act, is being written by regulators in five Washington agencies and may be released as early as October, according to three people briefed on the discussions. It aims to reduce the chance that banks will make risky investments with their own capital that put their deposits at risk.
A forced change to pay structure "could have the effect of driving people out of the regulated industry to the unregulated industry," said Douglas Landy, a partner at Allen & Overy LLP who once worked at the Federal Reserve Bank of New York.
Banks including JPMorgan Chase & Co., Goldman Sachs Group Inc. and Morgan Stanley have shut down or made plans to spin off standalone proprietary-trading groups to prepare for the rule, which is named for its original champion, former Federal Reserve Chairman Paul Volcker.
Lawmakers who crafted Dodd-Frank in 2010 chose to exempt market-making from the rule, along with certain forms of hedging and underwriting, because of concerns that a broad ban on proprietary activities could bring some U.S. and world markets to a halt. Firms including Goldman Sachs and Morgan Stanley serve as market-makers when they accept the risk or hold shares of trades in order to facilitate client orders.
The 174-page draft, dated Aug. 11, shows among other things how regulators including the Federal Reserve and Federal Deposit Insurance Corp. are working to define market-making. Besides compensation, the principles outlined in the draft would require that trading positions have near-term demands and no large anticipation positions; have a revenue structure based on fees and commissions and not on making money on the positions themselves; and that firms fall under the Securities and Exchange Commission's guidance of a "bona-fide" market-maker.
Banks also would be required to institute compliance programs to monitor when traders are moving toward banned positions. Those internal controls are also designed to ensure the firm does not place too much capital at risk.
Lobbying the Fed
Lawyers and executives from firms including Goldman Sachs, Citigroup Inc. and Morgan Stanley have met with regulators to discuss how to craft the definition, according to disclosures posted on the Fed's website.
Market-making is "critical to the liquidity of financial instruments particularly in times of financial stress and, by consequence, the financial stability of the United States," Richard Whiting, the executive director and general counsel of the Financial Services Roundtable, a Washington-based trade group representing the largest banks, wrote in a November comment letter to regulators.
The draft proposal may still change, the people briefed on it said. Each of the draft's sections is followed by dozens of questions, hundreds in all, from regulators seeking more details before writing the final draft language. Those questions will remain open when the proposal is released by regulators for public comment in the coming weeks, said one person with knowledge of the plans.
Treasury Role
The Fed, FDIC and SEC, as well as the Office of the Comptroller of the Currency and the Commodity Futures Trading Commission, each must approve the proposal. The Treasury Department is responsible for coordinating the regulation.
Spokesmen David Barr of the FDIC, Robert Garsson of the OCC, John Nester of the SEC, Barbara Hagenbaugh of the Fed, and Steven Adamske of the CFTC all declined to comment on the draft proposal.
Standalone proprietary trading accounted for as much as 12.4 percent of trading revenue at the six largest U.S. banks in a quarter, and as much as 3.1 percent of total revenue, according to a July report by the Government Accountability Office. In the fourth quarters of 2007 and 2008, the groups accounted for about 66 percent and 80 percent of total trading losses, according to the report, which did not take into account proprietary trading in other parts of the bank.
'Outwardly Similar'
The Financial Stability Oversight Council, a group of regulators established by Dodd-Frank, acknowledged the complexity of finding the line between a bank's proprietary trading and its activities on behalf of clients.
"The challenge inherent in creating a robust implementation framework is that certain classes of permitted activities -- in particular, market making, hedging, underwriting, and other transactions on behalf of customers -- often evidence outwardly similar characteristics to proprietary trading, even as they pursue different objectives," the council said in a January report. The council said regulators should aim for flexibility in their identification of illegal activity.
"To the extent the proposal relies on internal compliance mechanisms rather than hard and fast rules, I think that's better," said Satish Kini, co-chairman of the Debevoise & Plimpton LLP's Banking Group.
'Virtually Impossible'
Internal compliance programs, even with strong regulatory oversight, will end up falling short, according to former Senator Ted Kaufman, a Delaware Democrat who pushed to separate investment and commercial banking during the 2010 Dodd-Frank debate.
"This is trying to figure out how many angels can dance on a pin," Kaufman, now a professor at Duke University, said in a phone interview. "I flat out do not believe you can monitor the conflict of interest."
As regulators write the Volcker rule they have also come under pressure from lawmakers.
Representative Spencer Bachus, the chairman of the House Financial Services Committee who voiced concerns over the reach of the rule in a November comment letter, said the proposal places the U.S. at a disadvantage. When the bill was crafted, the premise was "that Europe and the rest of the world were going to prohibit all sorts of banking activities, therefore we didn't have to worry about competitiveness," Bachus, an Alabama Republican, said in a telephone interview. "But the other countries have taken a whiff on this."
Levin and Merkley
Democratic Senators Carl Levin of Michigan and Jeff Merkley of Oregon, who pushed for the regulation during the congressional debate, have urged regulators through comment letters, public speeches and staff meetings to maintain the rule's maximum reach.
Merkley and Levin were responsible for the inclusion of language in the Volcker rule that would ban transactions or an activity that results in a "material conflict of interest" between the banking entity and its clients, customers or counterparties.
Levin, the chairman of the Permanent Subcommittee on Investigations that conducted a two-year investigation of the financial crisis, said the provision targeted the actions of firms like Goldman Sachs during the crisis.
The rule "breaks new ground in the area of conflict of interest," Levin said on the Senate floor on July 21, the anniversary of Dodd-Frank. "It prohibits firms from assembling an asset-backed security and selling it to clients while betting against that same security, acting not as a market-maker, but as an investor for its own profit."
--Editors: Lawrence Roberts, Gregory Mott
Volcker Rule Draft Said To Allow For Repo Transactions, Lending-FT
U.S. regulators, in a draft of rules governing the Volcker rule, are proposing to carve out exemptions for so-called repo transactions and securities lending, the Financial Times reported Sunday on its website, citing a copy of the draft seen by the newspaper and confirmed by people familiar with talks between regulators.
In addition, regulators are proposing permitting the near-term trading in currency and commodities -- but not futures, according to the draft.
According to the draft, the Volcker rule would exempt "positions arising under certain repurchase and reverse repurchase agreements or securities lending transactions (and) bono fide liquidity management." Additionally, "positions in loans, spot foreign exchange or commodities" would be allowed.
The draft, dated last month, would impose a ban on short-term trading that might "significantly increase the likelihood that the banking entity would incur a substantial financial loss or would fail."
The Volcker rule, named for former Federal Reserve chairman Paul Volcker, is part of the Dodd-Frank regulatory overhaul of the financial sector.
Full story at: www.ft.com/intl/cms/s/0/313b2604-e20e-11e0-ba6e-00144feabdc0.html#axzz1YOfAbQ4n
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» FDIC Backs Ban on Banks Trading for Own Profit; Volcker rule would limit banks' trading

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Q: Determine the number of solutions of $x^p\equiv 1\mod p^h$ using primitive roots So the problem is to determine the number of solutions of the congruence $x^p\equiv 1\mod p^h$, where $p$ is an odd prime and $h\geq2$. We are asked to establish the result using primitive roots.
We know that for any primitive root $g_1$ of $p$, $g=g_1+kp$ is, for some $k$, a primitive root mod $p^h$. Also, if $x$ is a solution of the congruence, then there is some $r$ such that $x \equiv g^r \mod p^h$. The congruence then becomes
$$(g^r)^p\equiv1\mod p^h,$$
from which we can infer $\phi(p^h)∣rp$. This especially means $p^{h−2}(p−1)∣r$. All in all, we know now that $r$ has to be even and only take values $p^{h−2}(p−1)\leq r\leq p^{h−1}(p−1)$.
I've played around with a few numbers a bit, and found that $r$ likely has to be of the form $kp^{h−2}(p−1)$ for $1\leq k\leq p$, which means that there are exactly $p$ distinct solutions to the congruence, as was expected (by asking WolframAlpha to solve the original congruence). These solutions are given by $$x=g^{kp^{h-2}(p-1)}.$$
We can check this and it looks like it fits.
But I really don't know how to show that the number of solutions is $p$. Why does $r$ have to be of that specific form? That's only a thing I observed but am not able to prove. Any hints would be greatly appreciated

A: Your work looks sound and you're mostly done! Since $h\ge 2$, from $\phi(p^h)\mid rp$ we have  $$rp\equiv 0\pmod{\phi(p^h)} \implies r \equiv 0 \pmod{\frac{\phi(p^h)}{p}}$$
 Clearly this congruence admits $p$ incongruent solutions in modulo $\phi(p^h)$, namely : $$r = k\frac{\phi(p^h)}{p},~ 0\le k \lt p $$
The actual $p$ incongruent solutions  can be obtained by reducing $g^r$ in modulo $p^h$ $$x\equiv  g^r \pmod{p^h}$$

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HomeAuthorityWar is made for questionable reasons
AuthorityHumanismPropagandaWar Makers
War is made for questionable reasons
War correspondents, journalists and editors, who are conscious of the way news is manufactured by people operating the machinery of Government spin, discuss here an aspect of war making that is not discussed openly in the main media. Namely, the aspect of misinformation, false reporting and State propaganda.
Wars are created by a group of people reacting to an event. In the case of the current wars currently being waged, the group of people behind the expanding theatres of war in Africa and the Middle East cannot be clearly identified. Certainly, the American and British people are identified by the media as being behind the wars but technically this is a profoundly disturbiing lie. Theoretically at least, some of the citizens may be identified as supporting the wars, but without an audit, without a show of hands, the actual numbers remain a myth. Unknown characters who created the response to events are using the science of theoretical numbers, an artistic computation of data sets from straw polls, to argue that a consensus view exists and that as such it gives them authority to proceed without further public consultation. The sovereign will of the people they 'represent' is pushed aside by clever manipulation of small amounts of data that 'prove' public support.
So, here we have a hidden war cabinet making decisions on behalf of an unidentifiable public that is causing genocide across two continents. If that wasn't insane enough for you, the icing on the cake of insanity has to be the sanitised war narrative pumped out in various forms every week by a self-serving media who worked closely with the military to whip up public fear about being over-run by terrorism.
Contrived news precedes war like birds fly low before a storm. In the years following 2001 the air has been filled with the smell of a State run programme of genocide.
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Ель-Хазне (араб. الخزنة الخزنة Chaznat al-Firʿaun — «скарбниця») — набатейський храм епохи еллінізму у Петре на теренах сучасної Йорданії.
 Хазне-кятепи — секретар державної скарбниці. Кримське ханство.

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The world's largest open scientific conference on HIV/AIDS – the 7th IAS Conference on HIV Pathogenesis, Treatment and Prevention (IAS 2013).
The BC Centre for Excellence in HIV/AIDS (BC-CfE) applauds the American Medical Association's (AMA) adoption of HIV Treatment as Prevention at their Annual Meeting, June 18, 2013, in Chicago.
Dr. Julio Montaner has been recognized by Argentina Sendado de la Nacion for the valuable contribution to improving the quality of life of people living with HIV, granting him the Senador Domingo Faustino Sarmiento.
Vancouver, B.C. [June 06, 2013] — Dr. Julio Montaner has been awarded a $2.5 million Research Award over five years from the U.S. National Institute on Drug Abuse (NIDA) to support his continued research on British Columbia's STOP HIV/AIDS initiative. This is in follow up to an earlier $2.5 million over five years Avant-Garde Award that supported the research associated with the recently completed BC STOP HIV/AIDS pilot project. Dr. Montaner was an inaugural recipient of NIDA's Avant-Garde Award Program for HIV/AIDS Research in 2008.
Premier Christy Clark brings greetings to the Canadian Association of HIV Research held in Vancouver April 11, 2013. At the time, she acknowledged the success of the Made-in-BC Treatment as Prevention strategy and her commitment to expanding this to other diseases, including viral hepatitis.
Stephen Lewis shared his thoughts on the future of Treatment as Prevention at the recent workshop in Vancouver.
On day one of the Vancouver TasP Workshop, the scientific session was opened by Dr. Meg Doherty (Coordinator of the Treatment and Care Team at WHO's Department of HIV/AIDS).
The International HIV Treatment as Prevention (TasP) Workshop brings academic, policy, industry, and community representatives together to review and discuss research and policy progress in the field of HIV "Treatment as Prevention".
See which BC-CfE researchers will be presenting at this year's CAHR Conference.


The seven Northeast states participating in a multi-state program to reduce climate-changing emissions from power plants released on Aug. 15 a model set of regulations to be proposed in each participating state to implement the program.
Under the Regional Greenhouse Gas Initiative (RGGI), seven Northeast states agreed to propose a cap-and-trade program to reduce carbon dioxide (CO2) emissions. The states participating in RGGI are: Connecticut, Delaware, Maine, New Hampshire, New Jersey, New York and Vermont. The state of Maryland recently adopted legislation requiring Maryland to join RGGI by June 2007.
In December 2005, the governors from the seven states entered into a memorandum of understanding specifying the general framework of the program. On March 23, 2005, the states released draft model regulations that outlined proposed specific requirements for the program. The draft rule was the subject of a 60-day comment period and two public meetings were held. The model set of regulations released on Aug. 15 reflects and incorporates many of the comments received and provides detailed rules for the program, officials said. Each state will use the model rule as a starting point for obtaining legislative or regulatory approval of the program.
In response to comments received, the states also agreed to make certain minor modifications to their December 2005 memorandum of understanding. The states agreed to simplify the way the program will incorporate so-called "offset credits" -- reductions of greenhouse gas emissions that are achieved outside the electricity sector such as at landfills, farming operations or certain other project sites.
Under RGGI, the seven states will launch a regional cap-and-trade system that uses emissions credits or allowances to limit the total amount of CO2 emissions. Beginning in 2009, emissions of CO2 from power plants in the region would be capped at approximately current levels -- 121 million tons annually -- with this cap remaining in place until 2015. The states would then begin reducing emissions incrementally over a four-year period to achieve a 10 percent reduction by 2019. Compared to the emissions increases the region would see from the sector without the program, RGGI will result in an approximately 35 percent reduction by 2020, officials said.
Under the cap-and-trade program, the states will issue one allowance, or permit, for each ton of CO2 emissions allowed by the cap. Each plant will be required to have enough allowances to cover its reported emissions. The plants may buy or sell allowances, but an individual plant's emissions cannot exceed the amount of allowances it possesses. The total amount of the allowances will be equal to the emissions cap for the region. Coal-fired, oil-fired and gas-fired electric generating units with a capacity of 25 megawatts or more will be included under RGGI.
The RGGI states have agreed that at least 25 percent of a state's allowances are to be dedicated to strategic energy or consumer benefit purposes, such as energy efficiency, new clean energy technologies and ratepayer rebates. A power plant also could purchase these allowances for its own use. The funds generated from these sales will be used for beneficial energy programs.
For more information, visit RGGI's Web site at http://www.rggi.org.


When does this season end? Can I find how many point I will lose then?
Let's say I lose a game and I lose points and I have no bonus points cushion. Does it subtract straight from my main points or does it subtract from my claimed bonus points first?
The current season will end at the end of this month.
We have plans to make a post season popup so you can see your results from last season and what you get in the new season etc.
I'm not sure if we'll have time to get it in before this season reset though but it's defiantly gonna be in for the next reset.
The way it works is explained on the rank page though.


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The Real Liberal Elite
David Callahan
Now that more liberals are as rich as Republicans, do we risk forgetting the poor and working families?
The wealthy have long occupied an awkward place in liberal politics. Since the election of Franklin Delano Roosevelt, a movement that purports to speak for the common person has occasionally relied on fabulously rich candidates and backers. Yet something new has happened in recent years: The wealthy have become more than episodic allies of the left; they are now central players in progressivism.
Back in 1990, rich liberals were still something of a novelty. A small and predictable cast of donors gave money to progressive causes and candidates, and they included people like Stewart Mott, an heir to the General Motors fortune; Max Palevsky, who made his money in computers; and the television producer Norman Lear. These donors were outliers. The Forbes 400 was dominated by industries that leaned solidly right, and affluent voters were still largely Republican. California's prosperity in the 1970s famously helped fuel the rise of the new right and Ronald Reagan's career. In 1988, George H.W. Bush -- a Northeastern Republican from old money -- won a majority of America's wealthiest counties.
That was then. A sizeable slice of the upper class has since swung into the liberal camp, changing the balance of power in American politics. The Forbes 400 is now heavily populated by a new breed of billionaire: high-tech entrepreneurs, financial whizzes, and communications moguls. Today's super rich are also far more educated, a trait that correlates with liberal values like tolerance. In 1982, roughly 50 members of the Forbes 400 had college degrees. By 2006, 244 of those on the list had finished college, and at least 132 -- or nearly a third of U.S. billionaires -- had graduate degrees.
Some of the biggest fortunes in America now tilt left, and that can be seen in the vast sums of cash pouring into Democratic coffers and progressive organizations. Billionaires like George Soros and Peter Lewis have given tens of millions of dollars each to liberal 527s and have also helped to bankroll a greatly enlarged progressive infrastructure that includes groups like the Center for American Progress and Media Matters. David Gelbaum, a successful investor, has given remarkable sums to two flagship liberal organizations -- $94 million to the American Civil Liberties Union and more than $200 million to the Sierra Club. The Democracy Alliance, a funding umbrella formed in 2005, now has approximately 100 partners who collectively give millions of dollars a year to progressive groups. Nearly half of the groups it funds did not exist a decade ago.
Affluent voters have tacked left, too. Barack Obama won eight out of 10 of the wealthiest U.S. counties in 2008, and this was no onetime fluke. John Kerry won most of those same counties in 2004. Meanwhile, many of the wealthiest congressional districts routinely re-elect strong liberals, such as Henry Waxman of Los Angeles and Carolyn Maloney of Manhattan's Upper East Side.
Traditional class alignments have not disappeared by any means. Obama won his largest margins among the poorest voters, and organizers from labor, community groups, and other broad-based organizations still provide much of the day-to-day muscle for progressive politics. That has been especially clear over the past year, in the battles over health care and financial reform.
But if people power remains a key driver of progressive advances, the overall trend of the past 20 years is that the wealthy have become steadily more pivotal to liberal politics while the left's social movements have stalled. For instance, just 7.2 percent of private industry workers now belong to unions, down from 11.9 percent in 1990.
This divergent trend line is troubling and stands as yet more evidence of an unequal democracy dominated by money. At the same time, progressivism is clearly more powerful and arguably more principled today than it was in 1990. The influence of the rich has been positive in some areas, negative in others. Affluent donors and voters have often led the charge to push the Democratic Party to the left on social issues, like abortion and gender equality, as well as on the environment. Especially notable in recent years has been the role of wealthy gay donors in demanding that Democrats stand up in favor of gay rights. At times, rich liberals have also pushed Democrats left on national security. One reason candidate Obama raked in big early money was that he had opposed the invasion of Iraq.
The picture looks quite different on economic issues. Many among the putatively liberal rich don't care much for unions or regulation and believe fervently in free trade. Worst of all, a Democratic Party neutered by Wall Street money supported the deregulation that led to the 2008 meltdown. Obama's close ties to the financial sector, which contributed heavily to his presidential bid, help to explain why Obama picked a centrist economic team and has taken a tepid approach to reform. Most of the energy for reining in Wall Street has come not from the White House but from the Democratic base.
Still, the standard narrative -- that the wealthy have moved liberalism right on economic issues -- is not entirely accurate. Just five years ago, inequality was rising and a newly re-elected conservative president sought to privatize Social Security. By 2007, nearly every Democratic primary candidate vowed to raise taxes on the rich and to enact universal health insurance. These calls were echoed by the many new think tanks and organizations bankrolled by rich liberals. Today, a Democratic administration is implementing a historic health-care law -- which will funnel tens of billions of dollars annually from high-income to low-income households -- and taxes on the rich are headed upward. Various players in the progressive movement, including wealthy liberals, helped bring about this overdue shift toward a more economically fair society.
Liberal commentators have long debated the proper role of the upper class within the progressive coalition. This debate is timelier than ever, but it is also increasingly academic. Class politics has already remade itself. A sizeable chunk of affluent America has moved left, and that shift will endure despite the recent backlash in certain wealthy quarters against Obama and the Democrats. The challenge going forward is to successfully adapt the progressive project to this new reality.
The trickiest task will be to ensure that a progressive movement entwined with wealthy allies is able to ramp up the fight for economic justice. This seems doable. A range of progressive ideas to create more broadly shared prosperity commands support among upper-class liberals, such as much bigger investments in education and job training; efforts to build wealth in low-income communities; a new push to create "green collar" jobs; better supports for working families, like paid family leave and subsidized child care; and further steps to redistribute national wealth through the tax system.
Even the very toughest job, taming Wall Street so that it serves Main Street, should be compatible with keeping together much -- albeit not all -- of the cross-class coalition that elected Obama. The Democratic Party can afford to alienate donors on Wall Street, given its increasingly diversified funder base that includes newly rich tech people at companies like Google and a much vaster pool of small donors.
Twenty years ago, there was plenty of talk of one day forging a new progressive majority. That majority now holds power, only it looks very different -- in class terms -- than anyone could have imagined.
Obama Just Changed the Most Racist Law in the Country
Home care workers were excluded from labor protections as a deal to win southern support for the New Deal.
The Shame of Pension-Advance Loans
How financial companies scam veterans, teachers, and firefighters out of their retirement money.
What Do Wealthy Super Citizens Want from Government?
A new study examines the policy preferences of affluent Americans.
David Callahan is a senior fellow at Demos and editor of PolicyShop, the Demos blog.
Articles By David Callahan
RSS feed of articles by David Callahan
Fire on the Left
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Many Paths to Victory
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Will Republicans Blow It?
Many Paths to Victory: Florida
Forget Populism
Meet Eliseo Medina
Where Race Isn't Off-Limits
The Middle Man
Impactos Dispares de la Reforma sobre los Inmigrantes
La Próxima Campaña de Reforma de Salud
Health Reform 2.0
Can Reform Spell Relief?
The Opportunities of CLASS
Unleashing Restraint
The Preventive Turn in Health-Care Reform
Reform's Mixed Impact on Immigrants
The Cost of Delayed Reform
A Public Plan for Connecticut?
National Reform Meets Politics in the States
Turning the States From Adversaries Into Partners
Getting Insurers to Behave
The Next Health-Reform Campaign
The Right Way to Please the Base
The Enduring Relevance of Affirmative Action
All Politics Is Identity Politics
Reading Progressive History Through the Prospect
A 20-Year Tug-of-War


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VATICAN CITY — The Catholic Church is on the verge of declaring late Pope John Paul II a saint, a Vatican source familiar with the process told CNN on Tuesday.
The committee that considers candidates for sainthood voted Tuesday to credit the late pope with a second miracle, the source said, asking not to be named discussing internal Vatican deliberations.
It is not clear which of several miracles under consideration would be credited to the late pope. Pope Francis must now sign off on the decision before it is official.
John Paul was pope from 1978 until his death in 2005.
He was fast-tracked to beatification when he died in 2005, and became "the blessed" John Paul II barely six years after his death — the fastest beatification in centuries.
Click here to read more on CNN.com.


Blake Shelton's contestant Chloe Kohanski won The Voice last night making it Blake's 4th time to coach the winner. Chloe's from Nashville and Blake predicts she has the ability to become the show's first superstar.
Luke Bryan's holiday traditions are pajama night and chili dogs on Christmas Eve. Their ritual includes his mom making Luke shop with her and its very important they get the proper buns and the proper all-beef wieners.
Growing up, Brett Eldredge's grandma had him scoop the snow in her driveway. It took four hours and her payment was an apple.
When Garth and Trisha go to potluck Christmas parties, because most people bring a dessert Trisha takes crock pot mac and cheese. She says it's always the first thing to be devoured!
Finally - when Jon Pardi toured with Dierks Bentley he says Dierks made him feel like he was part of everything and they even hung out a lot which doesn't always happen for openers.


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Home / News & Events / Royal Northern College of Music Visit and Piano Masterclass at Shrewsbury
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Royal Northern College of Music Visit and Piano Masterclass at Shrewsbury
The Music Department were delighted to welcome Helen Krizos, Deputy Head of the Royal Northern College of Music Keyboard Department, who led an inspiring Masterclass with some of the School's most talented pianists on Thursday.
Six of our students had the opportunity to play to Helen, and received advice and tuition on their repertoire in front of the other performers and music students who do music as a Thursday afternoon activity.
We have a strong link with the Royal Northern College of Music (RNCM), and this was the third such visit from the college, the previous two featuring the RNCM's Heads of the String and Woodwind Departments. Awen Blandford, who left last year, has just begun her studies at the Royal Northern on Cello with Chris Hoyle, Head of Strings.
The standard of pianism currently achieved within Shrewsbury School is of a very high standard and the depth of ability is very strong at the moment - indeed there were many other pupils who could have played. Helen was extremely impressed by what she heard and was able to work with, and said afterwards that it was a much generally higher standard than she is used to finding in comparable schools, which was heartening to hear.
After Sally Joyce had started proceedings with a lovely account of Clair de Lune by Debussy, Galin Ganchev played Rachmaninoff's Etude Tableau op.30 No.9, a work that he is currently preparing for both auditions and recitals. It is a complex and virtuosic work, and he received great advice from Helen, as did all the other participants.
Henrike Legner performed Chopin's Revolutionary Study; Queenie Luk played the opening section of Chopin's massive Andante Spianato and Grande Polonaise; Henry Thomas showed great musicality in the opening of Tchaikowsky's Dumka; and Reuben Denison and Nateewat Ruechuseth performed works by Bach and Chopin. Others attended, and everyone present will have had their love for the instrument rekindled and went away with new ideas about their approach to their piano playing.
The event was testimony to the work being done by our team of piano teachers at Shrewsbury, led by Peter Bradley-Fulgoni, one of the finest pianists of his generation in the UK, who still pursues an active career as a concert recitalist and recording artist. He could not be with us yesterday as he is putting the finishing touches to his latest Piano CD, soon to be released. Our other piano teachers are Pauline Reid, Susie Allen, James Taylor and Ruth Theobold, all of whom give their students such a love for the instrument and its repertoire.
The session ended with a short recital by a post-graduate student from the RNCM, who is a pupil of Helen's. She ably demonstrated what four years of study at the RNCM can bring to a student, playing three beautiful pieces by Scarlatti, Debussy and Ravel.
All in all, a wonderful visit and event.
JFM


Dark clouds collect over Central Florida's softball morning on Sunday morning in Orlando, Fla. Rain hinders the cancellation of today's Miss Ole / Ohio State game.
Mother Nature was the last match of the Jaclyn Friends Tournament from Ole Miss in Orlando, Fla., Sunday, but he was the first bet of a new season for the rebels.
The tournament Ole Miss completed a 3-1 mark with talents over Central Florida hosting (3-0), No. 21 Minnesota (3-1) and George Mason (8-0). The only slave came on Friday when Ohio State Ole Miss hit a single wing of the battle, which was a big slaughter with a 4-2 loss. Rain restored with the Ohio State on Sunday morning.
Queen Ole Miss, the coach and coach's services Mike Smith, who was a weekend suspension that was announced suddenly last Wednesday shortly before his team stressed the plane bound for Orlando. Tell Miss Miss Spiorad's sources that Smith's suspension has no unacceptable impact on university suspension, but that was not well explained by university sources. In the release, the university said that Smith was suspended "because he did not expect the university's prospects for the operation of the program." It is hoped he will be back at the program's run on Monday.
In the comedy of Smith in Orlando was the co-ordinator of the committee of Ruben Felix.
Sans for a third time serving from sophomore Ava Tillmann in losing Friday to Ohio State, Ole Miss gets pitching A + on the weekend. Rebel team seems to be as diverse as deep as announced, who is very dependent on the ex-dependence of former Kaitlin Lee Ace we have watched over the last two years.
British working Finney, Tillmann and Molly Jacobsen started full games. The length of Anna Borgen's distance could also be the start of an 8-0 George Mason race, but Ole Miss was successful in the modern author promised by Savannah Diederich. He said all, Ole's Miss 25 innings pitchers took place in Orlando, allowing only four surprises earned against a range of quality. Through the first four games, the pitching team has an average run of 1.12. The Officials met in Orlando hit .133 against Ole Miss pitching. Also of a note, released Ole Miss's pitchers only through walks over the 25 of those events.
Last week, Smith pointed out that Jacobsen's game was probably two starts against Ohio State, but the brakes were applied to that decision and for a good reason. Post-assistant Ole Miss, Katie Rietkovich, opens Oxford over the season to take a stand on the Minnesota team. Rietkovich had comprehensive information on all the Miss Ole Miss pitcher except Jacobsen, who did not reach campus until the second from Minnesota. Therefore, Ole Miss decided to hold Jacobsen for his game with the Golden Gophers ranked nationally. Of course, pay out the decision.
This team has a little bit of everything and there are two cliers and three handsets together for different Arsenal. This should make huge dividends when a SEC player comes.
Abby Latham was the big bats over the weekend and they did everything Brittany Finney. Latham beat 333 for the competition, 4-to-12 running with home run and four high RBI teams. Finney .364 hit, going 4 for 11 people and three RBIs. Kaylee Horton was the most consistent stick in Orlando with a 5-stop attempt at 13 at the plate.
In addition, Horton gave a speed on the basic paths, as it was successful at five of six tire efforts. The Toys attempted to steal 14-to-15 stalks in Orlando, including a few plate at home, and are manufactured when they are forced to do so.
In contrast, with Autumn Gillespie unacceptable behind the plate, opponents once again missed Ole Miss and were unsuccessful with that effort.
Amanda Roth did not take this third bond this week in Orlando. We let us know that nursing is a handicapped injury and precautionary reasons have been discovered. Roth, sophomore, finished the last of the last season's team with her at home.
The rebels will not have enough time at home. They will be boarding an airplane soon in the morning of Tuesday, which is heading the West Coast, where their final destination will be hosting Stacey Winsberg Memorial Tournament in Westwood, Calif., At UCLA. Before beginning to play in the competition, Ole Miss will play one game Thursday compared to Loyola Marymount in Los Angeles for 4 p.m. CT started.


"I was really apprehensive about trying a trainer out. Eduardo spent our fist session as an "evaluation session," enabling him to tailor my workouts to my needs. Primarily, I want to burn fat/lose weight, but toning is also a goal. Eduardo constantly changes up the routine so that my muscles are constantly being targeted but I don't lose interest - which happened with my own personal workouts. I don't normally write reviews, but I am so pleased with my results after only two months that I felt it necessary to write one today. I'm not at my target weight yet, gut I feel more toned, have better posture, more stamina, and overall more self confidence. We meet at Temple Gym - also a great gym - twice a week and I very much look forward to my workouts now! Five stars, Eduardo! Muchas gracias!" - J.H.
"During the two years I have been training with Eduardo I have far exceeded my expectations of anything I ever thought I was capable of. My body composition has dramatically changed with a 10 lb increase in muscle mass and a reduction in body fat from 22% to just under 10%. I get compliments DAILY about how amazing I look! Eduardo takes a personal interest in his clients. He is very knowledgeable and uses his many years of experience as a personal trainer to help clients reach their full potential. I feel that he trains me as he would train himself. He is also very creative and continually presents new exercises so that each workout is challenging and different. Whatever shape you are in or limitation you may have, Eduardo can help you reach your fitness goals. I am 59 years old and in the best shape of my life thanks to Eduardo." - F.M.
"I have been working with Eduardo for 6 months. In that time I have substantially improved my physical fitness abilities. Eduardo is incredibly flexible with his time and is dedicated to reaching a client's desired goal(s). Eduardo is very kind and encouraging. If you're like me, you have avoided the gym because it means using the treadmill, which can be threatening. I assure you that Eduardo is creative in his techniques and tries to make the work out as enjoyable as possible (i.e. jump roping vs. running)! Eduardo has additionally educated me about changing my diet to improve my results. This has been very helpful as well. Overall, I'd say if you are looking for a great trainer (who is not hard on the eyes either) to start or continue physical training - find Eduardo." - A.H.
"I've been training with Eduardo for a few months now and I am so happy with the progress I have made in this short amount of time. I have always wanted to be stronger but have had a hard time gaining muscle. After just a few months, I have learned so much about fitness and I feel and look stronger and more confident, which is exactly what I want out of this type of training. I honestly look forward to every single workout session I have with him. Our workouts are intense, as they should be, but perfectly balanced with the right amounts of challenge, reward, and fun! I went from doing 0 pushups to 10 REAL ONES!, and each week I am handling heavier weights and seeing more muscle definition all over my body. In addition to amazing results, Eduardo is very down to earth and easy to get along with. I was intimidated of the idea of meeting with a trainer, but he is so pleasantly positive in his encouragement and definitely is in no way a "yeller!" He will tailor each workout to how you are feeling and pay attention to your specific needs, making sure you are comfortable but also making progress. Eduardo is very flexible with schedule and even though my life is very busy we can always find time to meet. I highly recommend Eduardo to anyone who has a personal fitness goal to meet, whether it is losing weight or gaining muscle. Eduardo gives you that extra push you need to achieve what you want to!" - A.H.
"Eduardo is awesome! I started working with him in August of last year to get ready for my November wedding (instead of giving up and getting my dress altered). I lost over 15 lbs and 2 dress sizes in two months. I worked out with him twice a week and listening to him about what to eat, with one cheat day a week (he didn't know about the cheat day - hah). He's very good at holding you accountable, but without being a jerk about it. Workouts are challenging, but he is good about changing things up so you don't get bored. And, he is a genius at shrinking and sculpting any problem areas. I haven't felt so good about my appearance in years! I took a few weeks off after the wedding, but I am back seeing him regularly now. I highly recommend him - you'll get a much better result if you stick with him than trying to get in shape by yourself" - L.K.
"Eduardo is a fantastic trainer who spends a great deal of time reviewing personal goals and tailoring workouts to suit individual needs. He supports clients and encourages progress without being a drill sergeant. Want to lose 20 pounds in 4 months...totally doable and fun too!! Eduardo is fantastic, and I would recommend him to anyone looking to tackle their weight loss goal or improve their overall fitness." - L.B.
"Fantastic trainer. I have been working out with Eduardo for about 8 weeks and he has extensively improved my physical fitness. He is a very approachable guy and is easy to work with...If you are serious about getting in shape or improving your overall appearance, I highly recommend him." - R.C.
"A Trainer that Cares. Eduardo has changed my life physically and mentally. I'm only twenty years old, but I have spent the past 6 years of my life in middle and high school trying a multitude of different workouts and diets that ultimately left me desiring more out of my body. As a result, I couldn't make the jump from high school to college athletics where scrappiness alone does not always cut it. My first year of college was busy, and without sports, I saw myself gain a few pounds of fat and lose cardiovascular and physical strength. This summer, I decided to make a change and seek a personal trainer. Eduardo quickly stood out as one of the best in the New Orleans area with a plethora of positive reviews from both the internet and close family friends. Choosing Eduardo was one the best decisions of my life. In two and half months, I have gotten in the best shape of my life with Eduardo's help. In my case, I wanted more definition and strength. Eduardo designed daily workouts and a diet tailored directly to want I wanted. I have a gained ten pounds of lean muscle, am lifting more and working harder than I have ever done before, and most importantly have gained a new confidence that everyone desires from working out. More importantly, I have done all this with simple one hour workouts five times a week. In high school, I would toil in the gym for three hours a workout without results because I lacked the knowledge of how to properly train! Eduardo has flexible hours, can handle any type of training goals whether it be simply losing weight or even bodybuilding with his lifetime of workout knowledge and prestigious qualifications, and is an extremely engaging and caring individual. This particular summer, he was dealing with a serious illness in his family, yet he was always focused during our workouts and brainstorming improvements I could make in my diet and workout. Having a trainer that genuinely cares about his or her clients in my opinion makes a huge difference. Eduardo cares and will change your life as well if you focus and work hard under his watch." - A.S.
"His goal is your success. My goal in hiring a personal trainer was to be healthy as I got older. If I could help it, I didn't want to be one of those people restricted in what they could do because of health issues. I am conscientious about exercise - I run, do boot camps, Insanity workouts and I'm careful about what I eat. Despite my efforts it seemed my weight stayed the same but my body was somehow getting fatter. I really appreciated that Eduardo took the time to meet with me for a personal assessment first. He listened to my goals and then explained what he thought I would need to do to achieve them. With his years of personal training experience, Eduardo is almost intuitive about what I am capable of and constantly encourages me to do more than I ever would on my own. He uses his extensive knowledge about exercise to create workouts that are personalized and varied so it's always interesting. The workouts are challenging but Eduardo creates a friendly atmosphere and the hour seems to pass quickly. I always look forward to the next workout. He is ALWAYS available to give advice-what to eat at a restaurant, what workouts to do away from the gym. - And he follows up with me just to see how I'm doing between workouts. In just 2 months with Eduardo's help I have lost 4% body fat and inches in my waist, hips and thigh. My clothes are actually loose. Eduardo takes his client's success personally and I consider him a friend as well as a trainer. I recommend him to anyone serious about getting their body in shape. At 57 I have already made amazing changes-can't wait to see what the next 2 months bring." – L.M.
"Eduardo is the best trainer I have ever worked with. After only a few sessions, I'm in better shape and have more strength and lean, toned muscles than after years of working out. Eduardo gives his clients exactly what they are looking for and exceeds their hopes. He is extremely professional and more knowledgeable than any trainer I have met before. Highly recommended. If you're not happy with your workouts, call him ASAP." - C.B.
I've been working out with Eduardo for a month now and the results are already astonishing. I let my diet and physical condition fall way down during college, and I was looking for quick results, having never tried a personal trainer before I decided to give Eduardo a try. Eduardo has proven in a very short time that he is extremely knowledgeable about not only exercise routines, but also any supplements you might want to take, as well as proper dieting. Working out in my gym at home for an hour, as well as out on the levee for another 30 minutes, we have never done the same exercise once, and each one is designed especially for my needs. What's even better is that my father and I both use Eduardo for our workouts, even though my Dad is looking to drop some belt sizes, while I'm looking to get slimmer and stronger. He can help with any workout routine your looking for, as long as you stay dedicated, because his biggest desire is to see you reach your workout goal. Don't get too worried though, while he will push you to ... a month now and the results are already astonishing. I let my diet and physical condition fall way down during college, and I was looking for quick results, having never tried a personal trainer before I decided to give Eduardo a try. Eduardo has proven in a very short time that he is extremely knowledgeable about not only exercise routines, but also any supplements you might want to take, as well as proper dieting. Working out in my gym at home for an hour, as well as out on the levee for another 30 minutes, we have never done the same exercise once, and each one is designed especially for my needs. What's even better is that my father and I both use Eduardo for our workouts, even though my Dad is looking to drop some belt sizes, while I'm looking to get slimmer and stronger. He can help with any workout routine your looking for, as long as you stay dedicated, because his biggest desire is to see you reach your workout goal. Don't get too worried though, while he will push you to your limits, he is also very responsive to any problems you might have, and adjusts his workouts accordingly. The best part of all is that Eduardo is very friendly, and is great to talk to. I already consider him a friend, and look forwards to our workouts not only for the great exercise but also the friendly atmosphere he helps create during training. If you are serious about getting in great shape, call Eduardo now. You won't regret it - B.S.
I just starting working out with Eduardo only ONE WEEK AGO! I've been working out in an gym several days a week consistently on my own for years while watching my diet and was not getting the results that I was hoping for. I decided to give Personal Training a try and I am so glad I picked the PERFECT TRAINER for me. He completely changed the exercises that I was doing, which were inappropriate for my goals, put me on a very detailed nutrition and supplement plan to complement my workouts, AND he gives me 24/7 advice for all of my questions, ranging from what to order in a restaurant to what I should be doing on days that I work out on my own. He not only changed what I am doing in the gym, but my entire lifestyle and way of thinking. There is no way that I could have achieved the amazing ... ONE WEEK AGO! I've been working out in an gym several days a week consistently on my own for years while watching my diet and was not getting the results that I was hoping for. I decided to give Personal Training a try and I am so glad I picked the PERFECT TRAINER for me. He completely changed the exercises that I was doing, which were inappropriate for my goals, put me on a very detailed nutrition and supplement plan to complement my workouts, AND he gives me 24/7 advice for all of my questions, ranging from what to order in a restaurant to what I should be doing on days that I work out on my own. He not only changed what I am doing in the gym, but my entire lifestyle and way of thinking. There is no way that I could have achieved the amazing results that I've seen in two weeks without his tips, secrets and advice. I'm amazed at his knowledge in all areas of fitness, bodybuilding, sports and nutrition. My sessions are a pleasure and I look forward to each one. I would recommend him to anyone that wants the BEST BODY OF THEIR LIFE...at any age. - C.M.
I first met Eduardo Yibrin through a mutual friend I hadn't seen in awhile. When we met up the first thing that jumped out at me was how good my friend looked and how in shape. Although he had always looked okay, the change was remarkable-- there was no hiding this new muscular frame. Slightly envious I asked him how he had done it. This guy is like myself, early 40's, good but not great shape. He told me straight out: trainer Eduardo Yibrin. I gave Eduardo a call that day and I haven't regretted it since. Eduardo is such a great trainer in so many ways. He made a point of meeting with me at Starbucks so that he could give me a personal assessment. He explained his methods of working out and took time to listen carefully to my goals—this is in my experience hard to find in a trainer—they often just have their agenda. Now I'm working out with Eduardo on a regular basis and even after a just a few ... friend I hadn't seen in awhile. When we met up the first thing that jumped out at me was how good my friend looked and how in shape. Although he had always looked okay, the change was remarkable-- there was no hiding this new muscular frame. Slightly envious I asked him how he had done it. This guy is like myself, early 40's, good but not great shape. He told me straight out: trainer Eduardo Yibrin. I gave Eduardo a call that day and I haven't regretted it since. Eduardo is such a great trainer in so many ways. He made a point of meeting with me at Starbucks so that he could give me a personal assessment. He explained his methods of working out and took time to listen carefully to my goals—this is in my experience hard to find in a trainer—they often just have their agenda. Now I'm working out with Eduardo on a regular basis and even after a just a few weeks I noticed pretty pronounced improvements in my body. Eduardo knows how to push you without overwhelming you. He's always carefully observing my movements and assessing them. He puts together a great workout agenda and he's always pleasant, always with a smile. He's a great trainer and a great guy. - J.M.
I would recommend Eduardo Yibrin to anyone looking for a personal trainer. I've only worked with him for a short time but I already see physical results. I'm even more impressed with the positive mental changes. Eduardo takes into account my personal fitness goals and tailors the workouts to reach them. He also incorporates training the muscle groups I need to strengthen in order to better perform my favorite sport. He changes the workouts to keep it interesting, is very knowledgeable regarding supplements, and the gym he uses is ideal for one on one training. Eduardo truly cares about helping his clients reach their personal fitness goals. He doesn't believe his job is over when the session ends. He's available day or night to answer questions or provide support. For anyone looking for a personal trainer. I've only worked with him for a short time but I already see physical results. I'm even more impressed with the positive mental changes. Eduardo takes into account my personal fitness goals and tailors the workouts to reach them. He also incorporates training the muscle groups I need to strengthen in order to better perform my favorite sport. He changes the workouts to keep it interesting, is very knowledgeable regarding supplements, and the gym he uses is ideal for one on one training. Eduardo truly cares about helping his clients reach their personal fitness goals. He doesn't believe his job is over when the session ends. He's available day or night to answer questions or provide support. For example, I didn't know what to order at a restaurant that would fall within my meal guidelines and Eduardo was happy to help me make the best choice. If you're looking for someone to really help you get in shape and live a healthier lifestyle, Eduardo will push you and support you every step of the way. - J.S.
Professional, and very knowledgeable is how I would best describe Mr. Eduardo Yibrin. Glad to have him working out his clients at Temple Gym. - G.M.
Eduardo has helped me to progress more than I ever dreamed possible. I get compliments from people that I don't know who see me on the street! I have had other trainers in the past, but never anybody with such in depth knowledge about training, diet, and beneficial supplements. I would recommend him to anybody at any fitness level. His knowledge in this area is unsurpassed! - L.V.
This has been my first experience with a personal trainer. I am a physician and I am very knowledgeable in nutrition and fitness but of course I have failed to apply these principles to my own life. I have become unhealthy and overweight. I have been very impressed with Eduardo during our training sessions and discussions. He is very knowledgeable about nutrition, supplements, and training. Eduardo has been very good at pushing me beyond what I would ever do working on my own but he has also been very responsive to adjusting the sessions based on my feedback and what I am comfortable doing! I have left every session feeling like the hour flew by and that I have worked to my maximum effort. Most importantly, I am seeing great results! In just a few weeks my clothes are much looser, my diet is much better, cravings are under control, and I FEEL GREAT! I would recommend you call Eduardo TODAY! - D.P.
A True Professional! I have been working out with Eduardo for about six weeks and he has made an amazing difference in my life. He is a true professional who really knows his stuff. He has a very pleasant personality, but also knows how and when to push you to achieve higher levels of performance. In a short period of time, I have seen a noticeable difference in my body. I would recommend him to anybody who is serious about trying to get, or stay, in shape. - R.R.
Amazing Results! I've never had such great results before. Eduardo was patient and helped me get the exact results I was looking for. I'm now in the best shape I have been in since high school. Not only am I in great shape, I feel healthier all around. Highly recommended! C.B.
Eduardo is a great trainer! I have only been working with him for about a month and I already see results. He also has very flexible hours that work well with my schedule. - A.L.
I am just getting back into working out. Was actually kind of lazy and needed the push a thought a trainer would provide to hold me accountable for showing up! Eduardo has done exactly that, keep me motivated and looking forward to our sessions. In the process of working out, we discuss diet dos and don'ts - which I am finding helpful as well. Eduardo has also been good about understanding my personal fitness goals in that I am looking for ways to tone and reshape my body without necessarily loosing pounds. Good guy, will definitely continue training with him. - S.C.
"I am a 76 year old grandmother who developed several physical problems, the greatest of which had been difficulty breathing upon the slightest exertion. It is my belief that my inactivity had created these problems. Because I have a very caring son who was concerned about my health, he encouraged me to receive the guidance of a personal trainer with the experience of Eduardo Yibrin. In just a few short weeks, this young man worked diligently with me to improve not only my physical strength, but amazingly, my shortness of breath has disappeared! For anyone desiring to improve his or her quality of life, I wholeheartedly recommend considering this approach. I am so grateful that my trainer did not allow me to give up.
I can now enjoy working in my garden again. Thank you, Eduardo!" – J.S.
Eduardo is AWESOOOOOOOOOOOOOOME! I recently moved to NOLA and clearly was having too much fun as my clothes were no longer fitting me. I called Eduardo when I had hit a wall and needed a change - I was feeling sluggish, I was depressed that my clothes no longer fit, and I just didn't like the person I was looking at in the mirror. To that end I could not have been any luckier in finding Eduardo! He is not only a fantastic trainer, but someone who makes your personal goals his priority. He is completely accessible both inside and outside of the gym, has fantastic nutrition tips, and has a way of casually checking in to be supportive and motivating at the same time. I have been working out with him for 6 months now and despite my crazy travel schedule he has made the most of my time in the gym locally and I can definitely see my body changing. I have muscles starting to showcase themselves that I never even knew existed. I am shocked when I think back to my very first work out with him and where I am now. My friends and family have noticed the difference and above it all I just feel great. My energy levels are fantastic and I just have a new bounce in my step each and every day. The beauty of working out with Eduardo is that each day is a new challenge and he customizes workouts to you - there is not set workout that all of his clients go through. Just when I think I know what he's going to have me do he mixes it up and keeps it interesting. He knows when to push and when to give you a break but I can assure you there is no such thing as an "easy" day with him. Each hour is brutal and painful (yet fun in a weird way), but afterwards is when you realize it was all worth it.....when the sweat is dripping after your final 1 minute sprint on the treadmill and you realize you've survived another workout, the feeling is INCREDIBLE! I would HIGHLY recommend working with Eduardo if you are looking for SERIOUS changes to your body. - S.B.


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Manfred Zimmel, born on July 12, 1974, is the editor of "Amanita Market Forecasting" since its inception in the year 2000. He first got active in the markets at the age of 15 where he says that he was, of course, part of the sheeple of the crowd, resulting in severe initial losses. But Manfred stresses how important this experience was, allowing him to learn a valuable lesson about market psychology.
Manfred started to study business administration at Vienna University of Economics & Business Administration at the age of 18. He had been interested in astronomy & astrology since childhood & thus dedicated his diploma thesis to the topic of astrology in a business context. The empirical research examined the incorporation horoscopes of more than 5,000 Austrian companies, 2/3 of them with an excellent credit rating, 1/3 bankruptcies. He states: "I wasn't amazed to find numerous statistically highly significant effects with random probabilities of less than one in 1,000. But I was surprised that some expected effects didn't show up at all & other strong effects were totally unexpected." Due to the success this research he continued with a doctoral thesis on a similar topic, laying the foundation for the market letter to be founded immediately afterwards. This was the first and so far only doctoral thesis dedicated to astrology in an economic context.
Manfred states that he faced major resistance from university professors: "Several years after I had left university suddenly the dean of the university contacted me & blackmailed me with mafia methods that I either had to remove the link from my homepage to the university or I would lose all my academic credentials. I never understood the narrow-mindedness of so many academics. They knew absolutely nothing about astrology yet condemned it."
Amanita Market Forecasting was founded on December 13, 2000 and has been very successful these years, expanding the subscriber base in 20+ countries around the world by hundreds of percent even though subscription prices have gone up five-fold. Manfred explains his approach: "For me the basis of success in the markets is the correct strategic choice, tactical market timingTiming ist in den Amanita-Prognosen so gut wie immer viel wichtiger, genauer & verläßlicher als Preise. Die Standardungenauigkeit für alle Timingangaben wenn nicht explizit anders angegeben ist immer +/- 1 Woche, außer für die Amanita-Pivots (+/- 1-2 Handelstage). is second. Buy-and-hold a bull market for many years is both the most profitable and easiest and yet psychologically also the most difficult. Still, market timingTiming ist in den Amanita-Prognosen so gut wie immer viel wichtiger, genauer & verläßlicher als Preise. Die Standardungenauigkeit für alle Timingangaben wenn nicht explizit anders angegeben ist immer +/- 1 Woche, außer für die Amanita-Pivots (+/- 1-2 Handelstage). helps to diversify the risks."
Some examples of important long-time forecasts: the beginning of the multi-year gold bull market on April 2, 2001 with yearly gains of some 20% each year was called almost to the day months in advance. The equities bull market started on March 9, 2009, two days later on March 11 Manfred made the bold call that likely the most severe bear market since the Great Depression had bottomed out and one of the biggest bull markets in history was ready to start. So far the stock indices have more than doubled.
The initial approach as a combination of astrology (an excellent timingTiming ist in den Amanita-Prognosen so gut wie immer viel wichtiger, genauer & verläßlicher als Preise. Die Standardungenauigkeit für alle Timingangaben wenn nicht explizit anders angegeben ist immer +/- 1 Woche, außer für die Amanita-Pivots (+/- 1-2 Handelstage). tool) with more conventional technical & fundamental analysis has expanded a lot the past years. "The nature of the markets has changed dramatically the past years. You can no longer apply many of the archaic methods, even if they have worked for decades, regardless of their background", warns Manfred. Amanita Market Forecasting is now probably the most unconventional market letter on the planet, based on unique methods not used by anyone else.
He is now totally convinced that since 2010 numerology is the key to the markets, no longer astrology: "I really got interested in numerology when the 2007-2009 bear market bottomed out at SPX 666 & DAX 3,666 - 666 is the number of the beast in the Holy Bible." In the past 3 years the secret codes in the markets were decoded, which allows extremely accurate timingTiming ist in den Amanita-Prognosen so gut wie immer viel wichtiger, genauer & verläßlicher als Preise. Die Standardungenauigkeit für alle Timingangaben wenn nicht explizit anders angegeben ist immer +/- 1 Woche, außer für die Amanita-Pivots (+/- 1-2 Handelstage)., often to the day since 2011 and allowed to be the number 1 S&P 500 timer in the 1-year ranking for the first time in the 9 years tracked by "Timer DigestTimer Digest ist eine US-Ratingagentur, die die Performance von Amanita Market Forecasting aufzeichnet und überwacht. Die mittelfristigen Amanita-Signale orientieren sich an den Regeln von Timer Digest.". The Amanita models are now mainly based on the "illuminati/ New World Order" numbers 11, 23, 33, 322, 666 & 911. Just recently in April 2012 the intermediate-term models could be improved again due to new insights.
"I have been cooperating with top dowsers & spiritual healers since 2008, that's why dowsings became an essential part of the Amanita forecasts in 2011. Reality is almost always much different than mainstream media want to make us believe. The news of the mainstream media almost always follow a hidden agenda and can't be trusted at all. That's why I regularly dowse the truth content of news", Manfred says. And he adds that he also gets a lot of valuable information from insider sources in business & politics.
The official long-term call may sound shocking, as it suggests the total collapse of the global economic & political system to start in August 2013, where dozens of factors are aligning. He expects a mild hyperinflationHyperinflation ist Inflation, die völlig aus dem Ruder gerät. Globale Hyperinflation im weiteren Sinne definiere ich als einen Anstieg der $-Inflation auf ein neues Allzeitzeithoch bei 20-30% pro Jahr, Hyperinflation im engeren Sinne ist 20-30% Inflation im Monat. to unfold by 2013, driving the inflation markets (equities & commodities) higher, finally culminating defaults of most or all major states.
Manfred continues: "I have warned many years in advance that 2011 would be the next minor peak of global war activity. In early 2012 the Heidelberg Institute of Conflict Research confirmed that 2011 had the highest numbers of wars since World War II. However, I am really concerned about 2017/18 when the global war peak of the 21st century is due, which is light years bigger than 2011. If there will be a 3rd World War in our life-time, it will hit us around 2017, and the trigger will most likely be an attack on Iran." Another important call is that the Kondratieff winter (which started in 2000 lasts until 2021/22), so in his opinion we are facing a very tough decade.