Westies
Thema drucken
23.12.2008 19:17
|
|
Jedes Jahr um diese Zeit, |
Antworten
|
Mami,The color is amazing! I adore roses, but unotrtunafely lost many of ours in the hurricane a few years ago. I have two antique rose bushes in my front yard that survived. Thanks for sharing yours, it's gorgeous!Tina |
|
|
I go to Point Park University. It is in Pittsburgh, PA. It isn't a photography scoohl but photography and photojournalism are both majors at the scoohl. I am a photography major there and I love it. It has a great program with a darkroom for both black and white prints and color. Check it out at pointpark.edu http://glmsfu.com vefobnd yblrghvg |
|
|
Bernanke: “This disparate treatment, unappealing as it is, appears unavoidable. Our economic system is critically dependent on the free flow of credit, and the consequences for the broader economy of financial instability are thus powerful and quickly felt.” In other words, credit is the lifeblood of our economy, and the continued operation of credit providers is actually an issue of national security.In truth, not all economies run on credit. But over the last decade, the United States became a bubble economy that needed unlimited credit to keep from collapsing. In a legitimate economy, it is not credit that fuels spending and investment, but simply income and savings. It’s too bad our Fed chairman does not understand the difference.That American families now routinely rely on credit to make every-day purchases is a habit that needs to be broken – not encouraged. What we need in America is more restraint and less indulgence. For example, Americans in the current economy should not go into debt to buy new cars. Given the level of debt that weighs down the typical family, Americans should defer such purchases until they have paid down existing debt, or have replenished their savings to the point where they can afford to pay cash. Until that time, Americans should continue driving their old cars. In the meantime, the untapped savings could be made available to local businesses that would use it to finance badly needed capital investments.But such a drastic reversal in financial culture represents the kind of change that no one in the outgoing or incoming White House administrations appears willing to consider. By providing perpetual support to lenders that have bankrupted themselves through bad loans, the government merely guarantees that bad economic behavior will continue.Credit is indeed vital to an economy, but it does not constitute an economy within itself. The important thing to remember is that credit is scarce, and is limited by the stock of savings. Obviously, savings loaned to one individual is not available to be loaned to another until it the outstanding debt is repaid. If it is never repaid, the savings are lost.Sign up below…and we’ll send you a new investment report for free:“Credit Crisis Report.”Loans to consumers not only crowd out more productive loans that might have been made to business, they have a far greater likelihood of ending in default. In addition, while business loans increase our capital stock and lead to greater productivity, loans made to consumers are merely spent, and do not create conditions that will make repayment easier. When businesses borrow to fund capital investments, the extra cash flows that result are used to repay the loans. When individuals borrow to spend, loans can only be repaid out of reduced future consumption.One of the reasons we are in such dire straits is that consumers have already borrowed and spent too much. Many did so based on the false belief that ever-appreciating real estate would ultimately provide the means to repay their debts and finance their lifestyles. Now that reality has finally set in, why should the spending spree continue? The fact that our gross domestic product (GDP) – 70% of which is consumption-driven – is currently contracting should not surprise anyone. In fact, such a contraction is long overdue and the government should not do anything to interfere.In trying to perpetuate the illusion, the government wants to revive the spending spree that has led us to this disaster. But how can such actions possibly help? How will more debt improve the economy? Wouldn’t our circumstances be vastly improved if we paid off some of our debts and replenished our savings? Wouldn’t we be in better shape if instead of buying more stuff we concentrated on producing it?The unpleasant reality is that years of bad monetary and fiscal policy have encumbered our economy with debt and undermined our industrial capacity. The sooner we can begin to repair the damages, the sooner we can right the ship. If instead we merely administer more of the same, the ship will sink in a sea of inflation. affordable term life insurance home insurance quotes |
|
|
Make,Do you really believe these people deserve bonuses? If I new all of their earnings were complete BS back March of 2007, then if anything everyone should have had to pay a penalty for their wanton destruction of America. I almost puked when I heard of the bonuses in 2007 and was even more disturbed after hearing about them collecting in 2008 post bailout. I know the old excuse that only those at the top were aware of the games that were being played with the MBS and CDOs, but that is complete bullshit. I’m not an executive at my company and I saw the writing on the wall two years ago. Ignorance is no defense anyhow.We’ve all been fleeced by Wall Street, which is typical of America today. The misbehaved are rewarded graciously as those that play by the rules are receiving a death sentence.Wall Street is so in the pockets of our elected officials that they have corrupted them to believe in the Laffer Curve.It is this entire charade that leaves me feeling little guilt in shorting our own country. It is the only way to stay afloat with the graverobbers running the show. And as the country collapses due to our corporate and government malfiesance, I will be quoting the closing lines in Trading Places from my beachfront shack in Costa Rica.Capitalism has failed and only has Wall Street to blame. Enjoy your bonus you traitors! home insurance florida auto insurance quotes |
|
|
From Baristanet:West Caldwell Company Sued Over Teen DeathFriday, January 23, 2009A Utah mother is suing West Caldwell based Community Education Centers, over the death of her 15-year-old son’s death. The teen died while in custody of a CEC-managed wilderness boot camp for juvenile delinquents in Colorado. From CBSnews: The Utah teenager [Caleb Jensen], sentenced by juvenile authorities to 60 days at a rigorous boot camp, was being forced to take long hikes in the Colorado backcountry without water. He was dragged by arm and wrist restraints when he stumbled in pain by counselors who believed he was faking an illness, according to a lawsuit filed in Utah by his mother last week. At night the boy was “tarped” or bound tightly in a tarp to prevent his escape. Other times, his shoes were taken away. He was given a diaper when he soiled his sleeping bag. Eventually, he couldn’t summon the strength to crawl out of the bag, later discarded as a “bio hazard,” the lawsuit alleges. Jensen died the following day, May 2, 2007.Bill Pallatucci, CEC’s executive vice president and general counsel for public affairs, told The Associated Press it was a horrible tragedy, but admitted no wrongdoing.Politicker NJ noted Pallatucci is a top advisor to Republican gubernatorial candidate Christopher Christie. afforabile auto insurance home insurance quotes |
|
|
today. Hovnanian denied it was in trouble.“In 2008, builders generated billions of dollars in tax refunds, asset sales and in savings by not buying land for development,” Bryan, of New York-based Gimme Credit LLC, wrote in a report today. “These lucrative sources will not be available on the same scale this year, and there is little room to cut costs as revenue declines further.”Home prices fell in November the most since the government started tracking them in 1991, according to a report yesterday by the Federal Housing Finance Agency. The three-year U.S. housing recession has left homebuilders such as Hovnanian struggling to raise cash. Chief Executive Officer Ara Hovnanian said Dec. 17 the company is slashing prices to keep money coming in.Hovnanian’s market value has tumbled 98 percent from its peak on July 20, 2005. The builder was last profitable in the fiscal first quarter of 2007.…“It seems odd that an analyst would not understand that we ended fiscal 2008 with over $800 million in cash and only have $100 million of debt maturing before 2012,” Hovnanian Chief Financial Officer Larry Sorsby said in an e-mail today. “We have weathered many industry downturns during our 50-year history and strongly believe we have the liquidity to weather the current downturn as well.” american home insurance life insurance temporary |
|
|
Great question Joanne. When I saetrtd WordCount I knew I wanted to blog about writing and specifically about freelancing but it probably took another month or two before I realized what I was most interested in was how the rise of online media was affecting the freelance business and decided to make that my primary topic. That helped distinguish this blog from a lot of other freelance blogs.Over time I've discovered other blogs on similar topics and since the newspaper and magazine businesses have imploded since I saetrtd blogging there are lots of ex-newspaper reporters and editors out there blogging about ditigal media. But they don't have the freelance perspective that this one does.The topic of freelancing in the age of digital media still leaves a lot of leeway on what I write about so I never run out of things to write about in fact I have about 50 posts in some stage of being written right now, though some of them might never see the light of day. And i think it's OK to go off topic some of the time.Hope that helps.Michelle http://eshedrec.com zcmfaemu dqxxqq |
|
|
“This is another reason why I constantly advise against volunteering, coaching, teaching, or even being around someone else’s children.”While I wouldn’t suggest anyone take up coaching, any coach that would deny an athlete water, especially a football player, is purposely putting their kids in danger. There are countless studies that confirm that being properly hydrated prevents injury, speeds recovery, and increases athletic performance. On the flip side, dehydration increases injury, slows recovery, and decreases performance. Furthermore, it endagers people with unknown defects, such as a heart problem. You get thirsty for a reason. From the looks of the picture, the coach was a fat slob and doesn’t have a clue what it is to be a real athlete on a hot day. I have no sympathy for him. A kid is dead because he was ignorant. There are plenty of kids that die on the football field from some sort of health defect. The coaches don’t get in trouble, unless they do something stupid like say…deprive the kid of food and water or make him run 100 laps. autombile insruance quotes discount in Chicago IL cheap online car insurance quotes in New York City carinsurance quotes |
