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Think back to the beginning of your sex life. There's likely lots that has changed in this sphere since then, though you'll likely find it hard to pinpoint what, or who, has influenced you along the way.
Having great sex is not a given – and getting to know what we like and who we are in the bedroom is one of the biggest journeys we can go on within ourselves. After all, great sex is all about both partners feeling satisfied. Yet, we so often keep these discoveries private.
However, we've found six women who are willing to share what had the biggest impact on their sense of sexual self or the way they view sex as a whole.
From the book that helped one woman not only come to terms with her sexuality but feel excited by it for the first time, to the piece of advice from an unexpected source, hearing what has improved the sex lives of others can have a positive impact on our own.
The one thing that improved my sex life was...
'...asking my partner what he found sexy about me'
'We never think to really ask people what they find sexy because we always think we know what is sexy and what isn't already, but actually, it varies wildly from person-to-person.
'I found it quite jarring when an ex-boyfriend first asked me what I found sexy about him and I joked that he was looking for an ego-boost, but actually it turned out to be an exercise in mutual confidence boosting.
'Not only did it make him feel good, and meant we had much better sex afterwards, but I also asked him in return and it was one of the first times I ever felt truly confident in my own body. I'm not with him anymore but I've always asked every partner since what they have found sexy about me. It means I can accentuate or focus on those things in bed and it helps me feel like a total sex goddess. The more confident you feel, the better the sex your having will be.'
'...introducing lube into the bedroom'
'I'd never really thought about using lube during sex before a bottle came free with a sex toy I ordered. We sort of used it as a joke the first time, but I immediately felt the benefits. In fact, it helped me self-lubricate more than normal as the feeling of it turned me on so much.
'Now I use lube all the time and have found it's become a bit of an erotic act in itself. Rubbing lube onto someone else feels incredibly intimate and sensual, I highly recommend giving it a go. Don't be fooled by advertising — you don't need to be struggling with dryness to benefit from a bottle of lube.'
'...a piece of advice from Cheryl Cole'
'It sounds weird to say that Cheryl Cole improved my sex life but she really did. In a 2008 interview [with The Mirror] she talked really openly about how much she loved her sex life with Ashley Cole [her then husband].
'During the interview she said, 'I think most men prefer to hear little breaths rather than big loud screams. Otherwise you sound like a porn film.'
'That was a lightbulb moment for me because I'd always felt that trying to be like the porn stars my partner had watched was the sexiest thing I could do, but I suddenly realised that they wanted to have sex with me, as me, not me as an unattainable 'sexual ideal' that they had no feelings for.
'To cut a long story short, I tried Cheryl's breathing technique the next time I had sex and was shocked by how much it changed the feeling of the moment. I've never looked back... where breathing is concerned at least.'
'...reading Tipping The Velvet by Sarah Waters'
'I had had sex a few times before I read Tipping The Velvet. A friend had stolen the well-thumbed copy from her mum and given it to me for fear she would be caught with it. It sat by my teenage bedside for a while before I decided to read it, not knowing what erotic literature really was.
'Up until that point I had only had sex with men and not found it overly enjoyable, though older friends had told me it would get better. Reading the story of Nan and Kitty's affair was the first time I'd really had an insight into what sex with another woman might be like – and it helped me realise that perhaps what was missing from sex was real sexual attraction to the man I'd been having it with.
'The book gave me the confidence that there was something better (for me) out there and when it did come to my first time with a woman, I realised it had helped normalise it for me. I have continued to read erotic lesbian fiction throughout my life and have always found it stirs up renewed sexual confidence. Plus desire for my partner and what we are able to do together.'
'...hearing that my friends weren't 'doing it' every night'
'I always thought that a healthy sex life meant one where you were having continuous sex, whether you were in the mood or not. No-one ever told me differently and I'd read so many articles that seemed to give advice on how to up your libido and have more sex, that I thought that was all there was to it.
'It was only when one of my friends shared that she only had sex a few times a month – but each session would last for hours and leave her feeling fulfilled for days – that I thought I'd ask other friends about their sex lives. I soon found out that no one was having as much sex as I thought they were but most of them still felt they had a healthy sex life.
'It's such a small, seemingly obvious, thing but learning that having sex as and when you want it in a relationship rather than feeling pressure to do it more often has revolutionised how I think about sex. Now that the pressure is off, I actually want it more and I have sex for pleasure not for the sake of it.'
'...doing an orgasm workshop during a friends hen'
'The idea of doing an orgasm workshop would normally have me running a mile but when an expert joined our hen group to lead us through a sensual session, I was drunk and threw myself into it in the spirit of friendship. I didn't actually realise how much I would get out of it.
'Though the session taught me all sorts of things about how orgasms work and the different types, the main thing I took away was that sex doesn't actually have to end in an orgasm. I'd always assumed that, because it felt like that was the end goal for the man, that was my end goal too and it meant that I often felt frustrated or like I'd let myself down if it didn't happen.
'Now I find it much easier to just enjoy sex in the moment, regardless of where it's going to lead, and so it now really feels like down time rather than just another thing I have to worry about.'
Cut through the noise and get practical, expert advice, home workouts, easy nutrition and more direct to your inbox. Sign up to the WOMEN'S HEALTH NEWSLETTER.

domain: psychology


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A number of web3 firms are actually making it simpler to make use of their providers by means of a brand new partnership with fintech titan Stripe.
Solana-based NFT platform Magic Eden, blockchain music streaming platform Audius and pockets supplier Argent are among the many first companions, based on a weblog submit from Stripe.
The API integration created by Stripe implies that clients will now be capable of make fiat purchases of crypto immediately on the platforms and can not should navigate offsite to switch property into crypto earlier than making purchases.
The onramp is a customizable widget that builders can embed immediately into their decentralized change, NFT platform, pockets or dApp, in accordance the weblog. Stripe handles all of the KYC, funds, fraud and compliance, eradicating the necessity to combine a number of third-party providers.
Stripe’s push into web3
Stripe formally introduced this service in March of this 12 months. It was the startup’s first large transfer into offering providers to the crypto trade having solely beforehand introduced plans to type a crypto-focused engineering workforce in October 2021.
Stripe’s CEO and co-founder Patrick Collison beforehand mentioned he is “very skeptical of anybody who’s adamant that crypto’s gonna work” but additionally acknowledged that firms ought to attempt new issues, even when they’ve an excellent probability of failing.
The startup, which is valued at $95 billion, most lately raised $600 million in a Collection H funding spherical in Could of final 12 months.

domain: finance


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Ladies give your Reds spirit an edgy feminine flair with the Diamond Diva tank from Majestic. It features a team logo team name and establishment year all in distressed print across the front. Designed with an attractive split-neck collar shoulder loop accents and heathered fabric it’s the perfect sporty yet flirty look to showcase your team pride.
Next Cincinnati Reds Item - Majestic Cincinnati Reds #19 Joey Votto Ladies Red Lead Role Player T-shirt - Ladies take control of the cheering section when you come out to the game showing off your Love for #19 Joey Votto and the Reds with this Lead Role Player tee from Majestic featuring a distressed team logo and Votto's name and number across the chest!
Previous Cincinnati Reds Item - Majestic Cincinnati Reds Ladies Red #19 Joey Votto List of Cincinnati Reds Items

domain: sports


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China-based CIMMYT-JAAS screening station aims for global impact in the fight against deadly Fusarium head blight.
Review indicates positive health impacts from diverse diets that include not more than 50% carbohydrates and the right mix of grain-based foods.
Scientists develop an early warning system that delivers wheat rust predictions directly to farmers’ phones
New research describes a revolutionary early warning system that can predict and mitigate wheat rust diseases in Ethiopia.
Researchers argue data from small satellites can help target agricultural interventions to locations where impact will be greatest.
Large-scale genomics will improve the yield, climate-resilience, and quality of bread wheat, new study shows
Scientists identified significant new chromosomal regions for wheat yield and disease resistance, which will speed up global breeding efforts.
Extensive use of wild grass-derived “synthetic hexaploid wheat” adds diversity and resilience to modern bread wheat
New study shows that improved bread wheat varieties obtained from crosses of durum wheat and goat grass are helping to ensure the crop’s future.
New study finds that wheat farmers often do not accurately identify their varieties.
The average farmer who uses the Happy Seeder can generate up to 20% more profits than those who burn their fields, according to a new study published in Science.
More than 800 global experts will gather in Saskatoon to strategize on ways to meet projected nutritional needs of 60% more people by 2050.
Groundwater conservation policies help fuel air pollution crisis in northwestern India, new study finds
Later rice planting in Haryana and Punjab leads to concentrated agricultural burning in the late fall and 39% higher peak fire intensity, contributing to poor air quality.
Millions at lower risk of vitamin A deficiency after six-year campaign to promote orange-fleshed sweet potato
More than two million households across six countries received sweet potato enriched with vitamin A as part of a project led by the International Potato Center (CIP).
New varieties deliver essential micronutrients to those who lack diverse diets.
The five young awardees are advancing change, innovation and research in their communities.
Identifying best practices to fight the invasive pest.
CIMMYT and Clinton Foundation launch partnership to improve access to climate-resilient maize seed in eastern and southern Africa
New partnership will help farmers in Malawi, Rwanda and Tanzania have better access to seeds that help maize crops better withstand growing challenges of drought, pests, diseases, and climate change.

domain: food


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Elevate Your Health and Vitality
At Vitality Hydration, we understand that every individual has unique health goals. Our Injection Therapy services are fully customizable to address your specific needs, whether you’re looking to enhance energy, improve cognitive function, or support overall wellness. With our tailored approach, you can unlock the full potential of Injection Therapy and elevate your health and vitality.
Experience the rejuvenating effects of Injection Therapy for yourself and take your well-being to new heights at Vitality Hydration. Call us today at (214) 726-6683 to schedule your appointment and embark on a journey of enhanced wellness and vitality.
Amplify Your Results with Injection Pairings
Take your Injection Therapy session to the next level by exploring additional services offered at Vitality Hydration.
Compression Therapy is a cutting-edge treatment that applies controlled pressure to your legs, promoting improved blood and lymphatic fluid flow. This innovative therapy accelerates recovery, enhances circulation.
Take control of your weight loss goals with our comprehensive Wet Loss Kits. These carefully curated kits combine essential nutrients, appetite suppressants, and metabolism boosters to support your weight management efforts.

domain: health


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Learn how the Perquimans County Restoration Association supports the oldest brick house in North Carolina: The Newbold-White House. Read about the house and its agency endowment here.
The North Carolina Community Foundation Disaster Relief Fund is still at work across North Carolina helping communities recover from Hurricane Matthew.
NCCF local affiliate foundations across the state are inspired to build community leadership through the Blueprint for Success.
Anthony Price, CEO of the Moore Free and Charitable Clinic, was just one of last week's grants recipients from the Moore County Community Foundation. MCCF awarded more than $95,000 to the local community. Read about its grants ceremony here.
Grants in Carteret, Cherokee, Clay, Graham and Greene counties and in Catawba Valley open July 21 with applications due at noon Aug. 22.
Grants in Edgecombe, Nash, Warren and Wilson counties open July 14, with applications due at noon Aug. 15.
The Enterprise Holdings Foundation recently donated $1,000 in support of the North Carolina Community Foundation.
Grants in Haywood, Jackson, Macon and Madison counties along with the Eastern Band of Cherokees and Women’s Fund of North Carolina open July 7, with applications due at noon Aug. 8.
The summer newsletter is hot off the press and headed to a mailbox near you!
NCCF gathers a few long term recovery groups working on Matthew issues in some hard-hit eastern NC communities to share best-practices, resources, frustrations and opportunities.

domain: news


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SAN FRANCISCO (MarketWatch) -- Sonus Networks Inc.'s sons shares were trading up 7.3% at $4.71 early Wednesday after the supplier of service provider voice over IP infrastructure solutions said the Securities and Exchange Commission has terminated its investigation in connection with Sonus' own financial reporting probe. The SEC has not recommended any enforcement action, Clemsford, Mass.-based Sonus said.
Have breaking news sent to your inbox. Subscribe to MarketWatch's free Bulletin emails. Sign up here.


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Discover more from Wonkette
The Official Neocon Stance On 'Soccer,' The Children's Game
So you hate America? Then you must love soccer! Soccer, or "foot-ball" in Latin, is a game Americans force their children to play (badly) for a few years before they graduate to "real sports," such as driving to Checkers in Ford F-350s while drinking a Big Gulp of chocolate sauce. Still, not that many people noticed the other day when the "meh" United States men's soccer team defeated #1-in-the-world, 35-games-unbeaten Spain, 2-0, in a fake tournament in South Africa, where every attendee in every stadium blowsannoying as hellTribal Horns for every second of every game, THEY REALLY NEED TO STOP THAT, anyway: Gary Schmitt, a conservative hero at the American Enterprise Institute, wrote a reaction to the upset and ended withhisexplanation for why Americans don't get into soccer like the rest of the world does: because the rest of the word hates fairness and freedom and Justice, which play no role in this evil, fraudulent sport.
Schmitt notes accurately that on the whole, Spain probably played better against the United States, or at least had more opportunities to score. But theydidn'tscore, and the ability to finish is a big part of what determines whether a team plays "well" on any given day, right?
WRONG. Latin America and Yurp are fags!
For sure, there may be a number of reasons that is the case but my suspicion is that the so-called “beautiful game” is not so beautiful to American sensibilities. We like, as good small “d” democrats, our underdogs for sure but we also still expect folks in the end to get their just desert. And, in sports, that means excellence should prevail. Of course, the fact that is often not the case when it comes to soccer may be precisely the reason the sport is so popular in the countries of Latin America and Europe.
Harumph! And that is Gary Schmitt's decisive take on "soccer." Next?


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Is your family stuck in an eating rut? Wondering how to get your kids to try new fruits and veggies? National Nutrition Month is the perfect time to start! On Monday, March 2nd at 8 pm EST / 5 pm PST, please join us, along with our friends at the Veg Out Challenge by Recipe for Success and Melissa’s Produce for a #KCMchat all about exploring new fruits and veggies with your family.
We’ll be sharing tips on how to encourage kids to try new foods, child-approved recipes as well as *giveaways* from Recipe for Success and Melissa’s Produce!
We hope to see you there!


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Brian Hooks net worth: Brian Hooks is an American actor, producer, and director who has a net worth of $400 thousand. Brian Hooks was born in Bakersfield, California in July 1973. From 2003 to 2006 he starred as Nick Delaney on the television series Eve. Hooks has starred in several films including High School High, 3 Strikes, Chat Room, Soul Plane, Fool's Gold, and I Do… I Did!. He has served as executive or associate producer for the films Q: The Movie, The Luau, I Do…I Did!, Laughing to the Bank, and The Love Section. In 2001 he was nominated for a DVD Exclusive Award for Best Actor for Nothin' 2 Lose.
Brian Hooks Net Worth
Date of Birth
Jul 27, 1973 (43 years old)
Actor, Film Producer, Film Director
United States of America
All net worths are calculated by applying a proprietary algorithm. The results are then fact checked and confirmed by a team of editors. We scan all publicly available data and resources and work diligently to ensure that our numbers are the most accurate and up to date net worth data you will find anywhere on the internet.

domain: celebrity


Tennessee Rep. Gloria Johnson on potential expulsion: 'We are on the right side of history'
- On Thursday, the three House Democrats approached the podium between bills without being recognized to speak, a breach of chamber rules. Now all three face an expulsion vote April 6.
- The group was leading protests, joined by hundreds of supporters, for some sort of action on gun reform after six people, including three children, were killed in a school shooting in Nashville.
UPDATE:Rep. Gloria Johnson survives Tennessee House expulsion vote after peaceful gun control demonstration
Tennessee State Rep. Gloria Johnson plans to fight back if Tennessee House Republicans vote April 6 to expel her. She has a bigger cause in mind: Stopping mass shootings.
Johnson and two freshmen Democratic colleagues are facing an expulsion vote after the trio led protest chants for gun reform on the floor of the chamber last week in the wake of the shooting at The Covenant School in Nashville that killed three kids and three staffers.
She told Knox News in an exclusive interview she's exploring all her legal options to continue the fight.
“I firmly believe we are on the right side of history,” she said.
Tennessee House Republicans, who hold a supermajority, introduced resolutions this week to expel Johnson, Justin Jones of Nashville and Justin Pearson of Memphis for "disorderly behavior” for breaking decorum rules in the chamber. The House chamber and the streets outside the Capitol were filled with passionate gun safety demonstrators from around the state and the country who said they were tired of hearing about children dying.
The conversation with Johnson has been edited slightly for length and clarity.
Knox News: Justin Pearson is from Memphis. Justin Jones is from Nashville. You’re from Knoxville. How important is it that the whole state was represented in your demonstration?
Gloria Johnson: You know what's really interesting is, of course, nobody thought about it at that time, it was spur of the moment. But we’ve noted this. We came together and there was three of us from three different parts of the state. And we all felt it was the right thing to do.
The people that were there that showed up that day and the reason they showed up were the children who died so that we can put an end to more children dying. It’s a sentiment that’s felt all across the state.
I've gotten so many calls from Republicans today and even over the weekend, that support what we did and support red flag laws and support safe storage laws, you know, common sense gun laws. They fully support it.
It appeared that Democratic leadership, at first, opposed the three of you leading protests. Why? When did they get behind it?
They were never opposed. … A lot of people interpreted the conversation up front when (Minority Leader Karen Camper, D-Memphis) came up to talk to us, she was frustrated at the situation. She was angry because the Republicans that day were saying they were gonna move to expel us right now. So, she was frustrated and was getting us to move into a private office to have a conversation.
It was still recess at that point. But no, they were never opposed to us but they were very upset at the situation that was happening and they were frustrated, but it was not with our actions.
What do you say to those who have claimed the protests were not peaceful?
That they weren’t there, that’s what I would say.
It was the most peaceful protest I have ever seen. I mean, it was toddlers and teenagers. It was a protest of toddlers and teenagers. And the toddlers’ parents were there.
There was one scuffle, one tiny scuffle, in front of a bathroom with a couple of 16-year-old boys.
There was absolutely nothing to fear and for the speaker of the House (Rep. Cameron Sexton, R-Crossville) to lie and say that it was worse than the insurrection is dangerous.
(Editor’s note: House Speaker Cameron Sexton, R-Crossville, falsely compared the events on March 30 to "at least equivalent, maybe worse" than the events at the U.S. Capitol on Jan. 6, 2021, which left police officers and a protestor dead and millions of dollars of property damaged. There was no damage and no one was injured in the peaceful demonstrations at the state Capitol, according the Tennessee Highway Patrol. Clarifying his comments on April 3, Sexton said it was not his intent to conflate the protesters at the Capitol with the three lawmakers.)
If you are removed from your seat, do you plan to sue? If so, talk me through that decision.
Yes, we're looking at all legal options, and we have quite a few. There's no question about that.
We're going to explore every option because this is just unprecedented, expelled for breaking a house rule that literally, you know, for 20 seconds we were in the session, and they cut the microphone. And the megaphone did not come out until they cut the microphone and called for a recess.
They are doing this because we stood up for dying children, because we are trying to protect the community. The very first action this body takes after a shooting that killed three children and three school personnel, the very first action they’re gonna take is to expel the very people who were speaking out against it …
I firmly believe we are on the right side of history.
There was a scuffle on the House floor, according to videos posted during Monday night’s session. What happened?
When they started reading our expulsion resolutions, the people in the gallery got very angry. So, people in the gallery were yelling ‘fascists, fascists, fascists!’ The people in the gallery got vocal. And so, they were being taken out by the Highway Patrol. And a lot of people on the floor were filming them …
So, Justin Jones was standing kind of behind and over from (Rep.) Justin Lafferty (R-Knoxville) and saw that Justin was filming and he just got a screenshot of it. And Justin Lafferty, turned around, shoved (Jones) and took his phone and started waving it in the air. It was just outrageous that Justin Lafferty just went for him.
I really feel like they feel entitled. They feel like they can do (anything), especially to these young, Black men. They act like overseers. It’s remarkable …
Not all of them act that way. Some of them are quiet about it, but some of them just don’t care.
Editor's note: After this story published, Lafferty's office responded to questions from Knox News with a statement. It did not deny the allegations that he shoved Jones and took his phone.
“Representative Jones came to my desk and as I turned he shoved his phone in my face in a threatening manner," Lafferty said. "I reacted as anyone would. Attempts to characterize this as anything else are misleading and false. The three members who are in danger of losing their jobs are desperate to deflect attention away from their actions.”
Tyler Whetstone is an investigative reporter focused on accountability journalism. Email firstname.lastname@example.org. Twitter @tyler_whetstone.
The Tennessean contributed to this report.


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Iams Home 4 the Holidays, one of the world’s largest pet adoption drives, announced that nearly 1.3 million pets were placed in forever homes between Oct. 1, 2012 and Jan. 2, 2013. As part of the annual drive Iams has donated more meals than ever before, with 5.5 million bowls of food going to homeless pets, surpassing the original goal of 5 million donations.
More than 8.3 million pets have been placed in forever homes since Iams and founding partner Helen Woodward Animal Center, along with thousands of animal organizations across the globe partnered to do something about shelter overpopulation when the program first started in 1999.
“We’re celebrating the fact that in just three months we helped save the lives of almost 1.3 million animals,” says Mike Arms, founder of the adoption drive and president of Helen Woodward Animal Center.
Homes were found for:
Adoption wasn’t the only way people got involved this year as the program also focused on providing proper nutrition for pets still awaiting families.
Consumers were able to share their passion for pets and help Iams donate food to participating animal shelters by buying specially marked bags of food, taking part in the Digital Dish Drive on the Iams Facebook page or joining the Iams Life Long Rewards program at local shelters or online. Meals donations were also triggered through the Iams YouTube page with every view, like or share of YouTube sensation Andrew Grantham’s Singing Pets Holiday Video.
“From the millions of families and pets who have been impacted over the years, to the more than 15.5 million bowls of food Iams has donated in the past three years alone,” says Ondrea Francy, Iams general manager. “We’re very proud of the work we’ve accomplished.”


29. Venturi GT 400
You are excused if you don’t know about Venturi, a small French car company that was active in the ’90s. Using components from other car companies and producing their own bodies and chassis, Venturi produced several beautiful and fast cars. They raced a lot, leaving their mark in the history of obscure supercars with the magnificent 400 GT from the mid-90s.
Visually similar to Ferrari F40, the Venturi 400 GT also used a twin-turbocharged engine. But in the Venturi’s case, it was a 3.0-liter Peugeot V6 they pumped to produce 400 HP in street trim. However, in racing trim, it was capable of over 600 HP.


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By Oscar Wilde
Adapted and Directed by Kip Williams
Hailed as a “dizzyingly beautiful tour de force” (The Guardian) and “a theatrical coup to rival the best of Robert Lepage or Complicité” (Sydney Morning Herald), THE PICTURE OF DORIAN GRAY is a monumental work of Australian theatre and an odyssey of theatrical storytelling, featuring an awe-inspiring performance from Eryn Jean Norvill that is “out of this world” (Limelight).
Building on a career-long fascination with theatrical innovation and spectacular reinventions of classic stories (Suddenly Last Summer, The Resistible Rise of Arturo Ui), Sydney Theatre Company Artistic Director Kip Williams has written and directed an adaption of Wilde’s century-old fable of beauty and a deal with the devil that is a magnificent mirror to our times. Now Williams returns with long-time collaborator Norvill and a team of some of Australia’s finest theatre-makers, to reconjure a production “that will surely be remembered as one of the greatest ever seen on an Australian stage” (Time Out).
This one-person show is an Olympic act of performance: a sole performer nimbly shapeshifting to play all of the dark tale’s 26 characters in an audacious cascade of theatrical transformations. A scintillating mix of cutting-edge contemporary theatre design, lush period drama, and astonishing live video, this vibrantly contemporary adaptation of The Picture of Dorian Gray is gripping, funny and has rightfully been celebrated as “genius” (Limelight).
Opened as part of RISING Festival.
Presented by Michael Cassel Group.
A Sydney Theatre Company Production.

domain: artistic


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I’ve been out of school for a good while now so my Summer is like much of the rest of the year. I don’t really have extra time but I do avoid going outdoors unless I’m heading to the beach or the pool. It gets too hot in Florida from June-September for me to be actually happy unless in the water.
However, I do have certain books that I would like to plot through in the coming months.
Series! YA series are always fun and immersing so I will be doing some of those an/or completing series.
Beach Reads! Short or simplier books that are easy to read and enjoy on a hot summer day.
Literary books! To break the exhaustion that I will get from fluffy and YA, I like to throw in Literary works, especially during the week because they might take me a while longer to finish and once done I’ll pick up something light during the weekend.
My TBR list is always changing and evolving but remember, the point is to keep reading!

domain: literature


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IF men would remember that the Sabbath is not a man-made institution, and that it does not partake of the nature and characteristics of that which is man-made, they would see that there is no occasion for concern over the danger that the Sabbath will be destroyed or lost; for no such danger exists.
The Sabbath was made by God, and is indestructible and unchangeable. It was not made by man’s keeping of it, but by the act of God in resting upon the seventh day, and blessing and sanctifying it. Before man ever kept it, the Sabbath existed as fully and as actually as it does to-day.
God, not man, made the Sabbath holy; and no man can make it holy now. No man can impart holiness to anything. God alone can do this, and it is only by this act of God that any man can become holy. The most that man can do is to keep holy that which God has made so.
We are commanded to keep the Sabbath holy; in other words, to keep it as God has made it. He has separated it from the other days of the week, by making it the rest day, the other six being working days. It is our part to see that in our own lives, this arrangement is preserved.
The danger is not that the Sabbath will be lost, but that men will be lost by failing to do as God has commanded. And as men cannot do as God commands, save as they become identified with Christ, so that He lives in them, as once before he did in the flesh, the perfect life, the need which is indicated by the prevailing worldliness and lawlessness, is for more earnest work in leading souls to Christ, and not for more stringent laws to “preserve” the institution of the Sabbath.


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Restaurant insurance protects owners from a variety of business-related losses, such as lawsuits, property damage, data breaches, or employee injuries. Different policies cover different types of loss, but one coverage common to most restaurants is general liability. A small, limited-service restaurant can usually get general liability insurance for about $1,000 to $2,000 annually.
Finding reasonably priced restaurant insurance is essential to your business’ survival. An insurance company like The Hartford understands the concerns of small business owners and has standout products that you can afford. Start by getting your free, no-obligation quote in minutes.
How Restaurant Insurance Works
Restaurant owners face many risks, so there isn’t a single restaurant insurance policy that covers them all. Instead, restaurant owners, like most business owners, need separate policies to guard against many kinds of loss. For example, restaurants have customers, vendors, and other visitors coming in and out of their space. If a customer suffers a slip-and-fall and sues, the owner needs general liability insurance to cover her legal defense.
Owners of small restaurants often qualify for a business owner’s policy (BOP). This is an insurance package carriers created to make coverage more affordable. By combining general liability and property insurance, carriers can offer this fundamental coverage for a lower annual rate. Even better? BOPs almost always include business interruption insurance too. This covers your ongoing expenses if a covered loss causes you to cease operations.
In the News
Business interruption insurance almost always has a clause excluding losses due to viruses, so most carriers have denied claims over COVID-19 leading to lawsuits across the United States. However, a Missouri court recently ruled that business income losses could be covered if the claimant could prove direct physical loss.
Essential Restaurant Insurance Policies
Type of Insurance
What It Covers
Property damage, physical injury, and reputational harm claims brought by nonemployees
Damage to business-owned property
Property damage or injuries caused by an overserved patron
Medical bills and lost wages for injured employees
Losses caused by auto accidents
Costs associated with cybercrime and lost physical data
General Liability Insurance
General liability insurance covers claims that you or your employee caused a third-party physical injury, property damage, or reputational harm, typically called personal and advertising injury in the policy language. Policies typically pay for your legal defense if the injured party sues but can also cover medical costs and repair bills. For example, general liability usually kicks in when:
- Your waiter spills coffee on a patron’s new laptop
- A delivery driver slips on your wet floor
- A competitor claims you infringed on his copyrighted logo
General liability also includes products-completed operations coverage that can cover claims about foodborne illnesses. For this to work, however, restaurant owners need an endorsement called Product/Completed Operations Hazard Redefined.
Tip: Restaurants may be exposed to claims that a customer contracted COVID-19 at their restaurants. These are difficult allegations to prove but, if they are made, owners still need to defend themselves. Some general liability policies may cover their legal defense, but two situations may prove tricky:
- Restaurants that fail to follow safety guidelines: In this case, transmission could be considered an expected result, so your insurer may deny coverage.
- Policies with a communicable disease exclusion: Not all general liability policies have this exclusion, so you want to check your policy and discuss your options with your agent.
Commercial Property Insurance
Commercial property insurance pays to repair or replace business-owned property, including buildings, equipment, and inventory. Most property policies cover damage up to policy limits when its caused by external risks, such as:
Because restaurants rely on equipment like ranges, fryers, and refrigerators, most owners should look for property insurance with equipment breakdown coverage. It pays for damage caused by internal malfunctions, including power surges, short circuits, and motor burnouts. Additionally, many restaurants add spoilage coverage to their property policies to pay for food ruined by refrigeration malfunctions.
Liquor Liability Insurance
Liquor liability insurance covers your responsibility for the damage caused by an intoxicated patron by paying for your legal defense, including settlements or court awards. Many states require bar and restaurant owners to have a policy to get a liquor license. Even if you don’t need liquor liability for a license, you may be in one of the states where restaurant owners can be liable for an overserved patron’s actions if the patron is a minor or visibly intoxicated.
Commercial Auto Insurance
Commercial auto insurance covers the vehicles your business uses to make deliveries. Most states require liability coverage, but restaurant owners can opt for more, including:
- Collision: Pays for damage to your business-owned vehicles in a collision regardless of fault
- Comprehensive: Covers damage to your business-owned auto caused by other events, like fire or theft
- Medical payments: Pays for immediate medical care for you and your passengers after an accident regardless of fault
- Hired and nonowned auto: Covers vehicles your restaurant hires, borrows, or rents
Nonowned auto coverage is essential for restaurant owners who allow workers to drive their personal vehicles to make deliveries. If an employee is in an accident while making a delivery for your restaurant, the damage may be to her car, but the responsibility could be yours because she was working for you.
Restaurant owners who now offer delivery services because of COVID-19 should either talk to their agents or work with a leading commercial auto insurance carrier like Progressive Commercial to add this essential coverage.
Workers’ Compensation Insurance
When employees sustain work-related injuries or illnesses, workers’ compensation insurance pays their medical bills and replacement wages while they recuperate. For example, workers’ compensation typically pays out if an employee:
- Cuts her hand on a meat slicer
- Strains his back lifting a sack of potatoes
- Suffers respiratory disease from being exposed to cleaning chemicals
Every state except Texas requires at least some employers to carry coverage, and many mandate it as soon as you hire a single employee.
Tip: Workers’ comp is a state-mandated coverage, and most states only cover communicable diseases when they clearly are connected to a person’s employment. Employers should still file a claim if a worker contracts COVID-19. The worker will need to prove her job was the source of her illness for the insurance company to cover her costs.
Data Breach Insurance
Data breach insurance covers the costs that follow a data breach, whether the data that’s lost is in a digital or physical format, such as:
- A hacker infiltrating your point-of-sale (POS) system
- Your accountant leaving your financial records in a coffee shop
- A criminal attaching a card skimmer to your out-of-date credit card reader
After a data breach, a restaurant owner might have to pay regulatory fines while also notifying customers and launching a PR campaign to regain its reputation. All told, the median cost of a breach for businesses with fewer than 10 employees was $7,000 in 2019. Data breach insurance, however, helps pay these costs so your business can survive.
Unfortunately, small restaurants are ideal targets for cybercriminals because most don’t have the resources to guard against attacks, and that makes data breach insurance a crucial coverage. One good option for restaurants is The Hartford. It offers endorsements that cover data breaches, business income after a cloud service interruption, and reimbursements for replacing destroyed electronic data to its BOP.
Additional Restaurant Insurance Policies
The previous six policies cover restaurants’ most common exposures. However, some owners may have additional concerns that can be addressed with these additional policies.
Commercial Crime Insurance
Commercial crime insurance can be purchased as a standalone policy or as a rider to your property insurance. It covers financial losses caused by illegal activities whether the criminal is an employee or an outsider.
Employment Practices Liability Insurance
Employment practices liability insurance (EPLI) covers your liability in employee relations. For example, policies typically pay your legal fees if a current or former employee or a job candidate accuses you or a manager of discrimination, harassment, or wrongful termination.
Restaurant Insurance Costs
Foot traffic, sharp knives, and alcohol mean restaurants face more risk than many other businesses. Therefore, they typically have higher insurance costs too. Your specific restaurant’s insurance costs depend on the number of policies you purchase, the coverage and deductible you select, and several business characteristics like revenue and location.
Restaurant Insurance Costs & Deductibles by Insurance Type
Annual Premium Range
$800 to $5,500
$950 to $2,500
$1,000 to $2,000
$600 to $3,000
$1,000 to $8,000
Commercial Auto Insurance
$1,500 to $3,500
$500 to $1,000
$1,000 to $2,000
Many different factors can affect costs including:
- The number of employees: The more workers your restaurant has, the higher the costs of workers’ compensation insurance.
- The value of your property: Your kitchen equipment can be expensive to insure, especially if it’s newer. Plus, you may need several endorsements for outside signs, equipment breakdown, and food spoilage.
- The number of vehicles in your fleet: If you have many delivery drivers who transport food to clients using company vehicles, you’ll pay much higher commercial auto insurance costs.
- Your past claim history: Having many claims in your history can make you look riskier to insure, so you could be charged more. On the flip side, many insurers also increase the premium on a new business because it has no track record to evaluate.
- The type of establishments: Limited-service restaurants and cafeterias often cost less to insure than full-service establishments.
Restaurant owners can save on their general liability and commercial property insurance by getting a BOP that bundles these policies. For example, say you own a limited-service restaurant with 10 employees and $200,000 in revenue. A general liability insurance with $1 million limits might cost around $2,000, and your property coverage around $1,500 per year. A BOP would be more like $2,500 for both coverages, with the bonus of business interruption coverage.
Top Restaurant Insurance Providers
Small business insurer The Hartford offers a comprehensive BOP to a wide range of restaurant and franchise owners with sales up to $15 million, including fine dining, full service, and quick service. Additionally, you can add key optional coverages for liquor liability, data breach, and food spoilage and contamination so that all your policies are with one carrier and easier to manage. The Hartford policyholders also get discounts on valuable services like employee background checks and slip-resistant footwear.
AmTrust Financial has a preference for family-style and fine-dining restaurants that have been in the same location for at least three years and liquor receipts that make up 45% or less of their total sales. That said, AmTrust is a great choice for established restaurateurs with multiple locations. Through its surplus lines arm, AmTrust offers general liability with coverage limits of $3 million, $5 million, and $10 million.
CoverWallet is the place to go for restaurant owners who want to save money on business insurance. As an online brokerage, CoverWallet works with more than one carrier, which means restaurateurs can usually fill out a single application to see multiple quotes. This way, you get to compare offers based on price and policy terms, and then pick the ones that best fit your needs.
Insurance 321 is a different sort of insurance company in that it does a lot of the legwork for you. Its proprietary technology identifies the best carrier or broker for your particular restaurant operations with just a few questions. Then, the insurance company contacts you with its quotes so you can get covered quickly.
Restaurant Insurance Frequently Asked Questions (FAQ)
Still not certain what coverage your restaurant needs? Below are answers to a few of the most commonly asked questions about restaurant insurance.
Does restaurant insurance cover COVID-19 losses?
Whether or not restaurant insurance covers COVID-19 losses depends largely on the language in each of your policies, your state government, and how courts respond to the number of suits currently moving through the system.
Your workers’ comp policy may cover a worker who can show he caught COVID-19 because of his employment. That seems rather tricky to do, but it depends on the particular situation. Meanwhile, business interruption seems even less likely to kick in if only because insurers are going to fight it tooth and nail.
Do I need to insure employees who drive their personal cars for deliveries?
Personal automobile insurance policies typically don’t cover cars used for commercial purposes. Because drivers likely won’t be covered by their insurers if they cause an accident, someone must pay the bills. Agency laws in most states make business owners responsible for employee actions, so your restaurant could be liable. You need coverage to protect you.
Am I covered for spoilage if my refrigeration breaks down?
To ensure coverage in the event of a problem with your refrigerator or freezer, you may need a spoilage coverage endorsement on your BOP. Spoilage coverage, sometimes referred to as temperature change coverage, kicks in if heating or cooling equipment breaks down or if a power outage shuts down your system and food spoils. It pays out to replace perishable items.
Does property insurance provide coverage for my restaurant in a natural disaster?
BOPs generally provide coverage for damage caused by hurricanes, tornadoes, and other natural disasters. However, flooding often is excluded from commercial property policies. If your restaurant is located in a flood-prone area, you will need special coverage to ensure your space and equipment is protected in case of a flood.
Buying a BOP—along with additional coverage for risks specific to the restaurant industry—is important to protect your company and your finances. Shop carefully for insurance options that bundle policies for convenience and cost savings.
Restaurant owners should make sure they purchase a policy that meets the needs of their industry. The Hartford is one insurance company that tailors policies specifically to help restaurant owners and managers. Get a free, no-obligation quote in minutes.


Magnaflux is introducing the newest addition to their line of LED UV inspection lamps with the EV6500. Designed for nondestructive testing professionals, the EV6500 improves inspection quality and flexibility by offering 7,000 μW/cm2 high intensity UV-A illumination with broad-coverage 100 ft-candle white light in a single hand-held LED lamp so inspectors can effortlessly switch from fluores-cent inspection to visible flaw checking with a single device.
The EV6500 eliminates the need for a separate flashlight or overhead light for visible spot checking with built-in visible light LEDs which provide 16 inches / 41 cm of bright, concentrated white light for easy, fast visible inspections.
Providing 85 in2 (450 cm2) of intense UV illumination area, the EV6500 speeds up inspection time with the widest, most even beam on the market. Indications are clearly visible even at the edge of the 10 inch / 25 cm beam, thanks to the high-intensity, specially designed LED array.
Engineered specifically for the rigors of NDT environments in order to reduce on-the-job downtime, this portable UV lamp features dependable, reinforced construction, along with fully sealed housing, fan-less cooling system and non-clouding lens for reliable, consistent inspections.


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This hot new release from London rockers Pink Cigar called ‘Blues to Bed’ is just what you would want from these old style rock ‘n’ rollers.Their album is self-titled and self-released and available from their website.
Full of punk style punches and boundless edgy energy it is gritty and urban and very very cool. The bass is thrumming while the lead guitar ripples and wails to growling vocals. The band are at their best live so catch them if you can. 8/10

domain: entertainment


The successful actor Sylvester Stallone‘s model daughter, Sistine Stallone, made a mini photoshoot session for promoting a famous fashion brand called ‘Salvatore Ferragamo’ at her home on Monday.
After ending her shoot session, Sistine took to Instagram to share a couple of her amazing poses with over 1.4 million followers. And she mesmerized them once again with her gorgeous look.
As you might see in the photos right below, the 22-year-old model blew her fans’ minds away as she showed off her enviable supermodel legs in a high-slit dress paired with a pair of yellow high-heel slippers from Salvatore Ferragamo.
On the other hand, the actor’s beautiful daughter commanded attention to her jaw-dropping physique and curves while striking stunning poses in a brown long dress.
Sistine also didn’t neglect to highlight her sensational backside and sunkissed pins in her second pose. And she mesmerized everyone who saw her poses with her radiant beauty.
While completing her look with a green handbag, Sistine styled her long brunette locks straight and wore a neutral palette of makeup for the photoshoot.
In the caption, she left some hashtags:
#FerragamoSS21 #FerragamoFHeel #FerragamoFHeelDAY.”
You can see her second pose right below.


Dec. 4, 2010
COLUMBUS, Ohio - Caitlin Leverenz's school record in a victorious 200-yard breaststroke along with a win in the meet-ending relay propelled fifth-ranked California to capture its second straight collegiate team title at the AT&T Short Course National Championships on Saturday night at the McCorkle Aquatic Pavilion on the campus of Ohio State. The Golden Bears posted a score of 556 points, while USC was second with 495 points and Notre Dame was third with 228 points.
"It was a strong final session," Cal head coach Teri McKeever said, "with the school record for Caitlin in the 200 breast and a victory in the 400-free relay. There were lots of positives to build on as we approach the second phase of the season."
Leverenz won the 200 breaststroke in an automatic NCAA qualifying time of 2:06.55, which broke the previous Cal record of 2:09.38 set by Alexandra Ellis last spring.
Cal senior Erica Dagg, senior Hannah Wilson, freshman Nathalie Lindborg and junior Liv Jensen combined to swim a winning, automatic NCAA qualifying and meet-record time of 3:14.50 in the 400-yard freestyle relay. The Bears' A relay beat the previous record of 3:15.29 set by Auburn in 2008.
The Cal B relay of freshman Deborah Roth, junior Colleen Fotsch, junior Katherine Raatz and freshman Samantha Shellem posted a sixth-place finish in the 400-free relay in an NCAA B qualifying time of 3:20.24.
Other Bears in championship finals included Wilson (6th in NCAA B 48.68), Dagg (7th in NCAA B 49.10) and Lindborg (9th in NCAA B 49.43) in the 100 freestyle; freshman Deborah Roth, who finished eighth in the 200 backstroke in an NCAA B qualifying time of 1:55.48; and senior Amanda Sims, who placed ninth in the 200 butterfly in an NCAA B time of 1:56.39.
The Cal men swam in Columbus as well, and the combined team score of the Golden Bears (818.50) gave them the combined team victory. Host Ohio State was second (712.50) and USC was third (708.50).
In Austin, Texas, the Cal divers closed out the competition in the Texas Swimming and Diving Hall of Fame Invitational. Senior Laura Sanford placed ninth on the platform with a score of 220.70, while junior Molly Hayes finished 13th with a score of 169.25 on the platform.
The Cal women's swimmers compete on Sunday, Dec. 5, in the 2010 USA Swimming Long Course Invitational. The Cal women's divers next compete in the Bruin Diving Invitational that will run from Jan. 7-9, 2011, in Los Angeles.
2010 AT&T Short Course National Championships
Dec. 4 in Columbus, Ohio
Women's Team Standings
Team Points 1. California 556 2. USC 495 3. Notre Dame 228 4. Indiana 194 5. Ohio State 133 6. Yale 128 7. Louisville 120 8. Northwestern 106 9. Navy 41 10. Minnesota 34 11. George Mason 27 12. Villanova 9 13. Cal St. Bakersfield 8 13. St. Francis 8 15. UC Santa Barbara 5


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The Home Affordable Modification Program (HAMP) was created to provide assistance to homeowners who are struggling to make mortgage payments. It provides meaningful savings for homeowners who have experienced reductions in income and unaffordable increases in expenses. Now, administration officials announce that borrowers who use HAMP will receive additional benefits if they continue to make payments on time.
Previously, homeowners who made on-time payments under HAMP were able to earn up to $5,000 over the first five years of their loan. That benefit will go towards reducing the principal balance. According to the Treasury Department and Department of Housing and Urban Development, borrowers will now be able to earn an additional $5,000 in their sixth year of the modified loan. This means that they will receive $10,000 in reductions. They will even have an option to re-amortize the reduced balance to lower their monthly payments.
How many people will benefit from this change in the program? Estimates show that about one million homeowners with HAMP loans will be eligible for the additional $5,000 incentive. Ideally, these homeowners will be aware of the opportunity and it will motivate them to stay current.
The Treasury also announced incentives for homeowners in the HAMP Tier 2 alternative program. The HAMP Tier 2 program provides a fixed interest rate for borrowers who did not qualify for the HAMP modification. They will now be able to receive a $5,000 pay-for-performance incentive in their sixth year in the program. To qualify, they must be in good standing with the program.
The Treasury also enhanced its deed-in-lieu and short sale programs. Before this change, distressed homeowners who complete a deed-in-lieu transition or short sale were offered $7,000. Now, they will be offered $10,000 in relocation assistance.
If you would like to know how the recent changes affect you and your family, it may be in your best interest to discuss your options with an Orange County real estate attorney. The housing market has improved drastically in the area, but many families still need help. These recent changes could have a significant and immediate impact for local homeowners.


text:
Join Date: Jan 2005
Location: Why do you care?
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Re: NL the Anime
Without another word, Lily shot up from the couch, grabbed the phone and ripped the cord right out of the wall. She let out a scream of frustration and threw the phone hard against the wall. It shattered against the wall and dented it slightly. She stood there, still in the position she had thrown it, panting hard and hot tears rolling her cheeks. Daisuke walked up to her and held her close as she sobbed, rocking her gently. The only reason she had survived was the dream of going home. Now, it was nothing but a memory.
Daisuke stroked her hair and hushed her until her sobs turned into empty hiccups. She clung to him, his shoulder was soaked from tears and snot. She stared at the shattered phone, everything came rushing back to her at once. From the dew on her hands, to being held in Daisuke’s arm, it felt like a hard slap across her face. Then, a soft voice came into her mind. Mods were created to protect the people. She closed her eyes, as if trying not to let the voice slip from her mind. “Dai.” Her voice was raspy.
He continued to rock and sooth her. “Yeah?”
“I want to stay here in NL.” She paused for a second, trying to find the right words. “But I want something more then that.”
Daisuke pulled her back and stared into her eyes. “And what is that Lily?”
Lily smiled softly. “I want to become a Mod and help people, and protect you.” She stared at the ground and chewed on her bottom lip. “No, I want to be better then a Mod. I want to become head Admin.”
Daisuke nearly choked on his air. “What?!”
“I want Shino’s job. I want to make NL the greatest place on Earth. I want to be the best Mod anyone’s ever known.”
Daisuke rubbed the back of his neck. “That’s a pretty bring dream you got there. You do realize the chances of that happening right?”
“It may be a dream now, Daisuke, but mark my words. It will become a reality.” She flashed him a dominant smile. “You’ll see, I’ll make my way up the chart and become a Admin.”
Daisuke blinked at her, stunned. Then, he chuckled slightly and shrugged his shoulders. “You are a riot. Good luck with that, I’ll help anyway I can.”
She took his hands. “Thank you, Dai.”
They stood there, smiling at one another until they both busted out laughing, rolling on the floor. There was a ding sound coming from the oven. “That’s the chicken, I’ll be right back,” said Daisuke, standing up and heading into the kitchen.
Lily stood up and followed him in. She leaned against the doorframe and put her hand over her heart. “You are truly the love of my life, Dai. How’d you know chicken was my favorite food.”
Daisuke chuckled. “Lucky guess, I suppose.” He pulled the chicken from the oven and nodded toward the set table. “Dig in.”
After Lily and Daisuke feasted, he showed her, her bedroom. “You are welcome to stay here as long as you like, I’ll work on getting you your own tomorrow morning.” He nodded and closed the door, leaving Lily in the brightly lit bedroom. She looked around, there was a dresser, a vanity, and a queen size bed with a red cotton quilt on it. The carpet was a dark velvet red , Lily could feel it through her socks. She turned when she heard a knock on the door.
Daisuke popped his head in, he had a big goofy smile across his face. “Are you tired of wearing Horus’s old torn clothes?” he asked.
Lily looked over at the mirror on the vanity at herself. She stepped back in shock. Her hair was ratty from today events and her bangs were crusty from her tear earlier. Horus’s clothes that he had lent her were torn and battered with dirt and plaster. She looked at Daisuke in pure armament, she’d never let a ratty looking thing like her in this nice of a place. “Is that a rhetorical question?”
He chuckled and tossed her a big bag of clothes. “Mix and match what you want, Ph3 said you could borrow them until we go out and buy your own. I’m pretty sure you and her are about the same size.”
Lily opened the bag and pulled out a sequined top. “She shouldn’t have.”
Daisuke flashed her a big toothy smile and a wink before he closed the door, leaving Lily there to get dressed. “Night!” he called from behind the closed door.
Lily stood there holding up some clothes to her body in front of the mirror. She looked over herself and nodded with a pair of hip hugging jeans and a plain red T-shirt for tomorrow. She smiled to herself happily as she started to take off Horus’s old shirt.
“What an eventful day huh, girlie?”
Lily froze with the shirt just midway off of her stomach. Her eyes were wide and frozen in fear at the voice. She looked in the mirror at the man standing in her open window, smiling at her. She narrowed her eyes at him through the mirror. “I was wondering when you’d show up.”
The man chuckled and jumped down into her room. “I saw that you used the bracelet, good for yo…”
She grabbed one of her pillows and threw it at him. When he pulled it off of his face, she was right on him. “How dare you! That Virus came today because of that fucking bracelet! I could have been killed!”
The man beamed a smile at her. “Yes, and so could have that girl that was with you. But, since I’m not talking to a ghost, I see that everything turned out fine. In fact,” he circled the room and Lily, gazing around as if he were in a museum. “I’d say you are doing fairly well from my perspective.”
Lily’s voice darkened. “Get out.”
*points* from my Nii-chan to me ^^ and don't forget *Sakura*
Originally Posted by LonelyNinja
*sighs* Horny nee-san. -_-
Horny, pervy nee-san. -_-
*sighs* Oh wow nee-san. -_-
Originally Posted by *Sakura*
I'm in college now ^^


J. KIRKLIN 54 CALIBER EARLY HAWKEN FLINTLOCK MOUNTAIN RIFLE
Product Code: J. KIRKLIN 54 CALIBER EARLY HAWKEN FLINTLOCK RIFLE
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This is a preowned 54 caliber Early Hawken flintlock rifle built by Jerry Kirklin. The overall length is 53" with a 36" Getz barrel and a14 1/4" trigger pull. The weight is 9.8 lbs. The stock is curly maple with iron fittings. The patchbox has Lancaster school styling. The lock is a Long and functions correctly. The bore is very good. The overall condition of the rifle is very good as is the workmanship. Additional photos are available upon request.


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If you’ve been on tenterhooks ever since the shortlists for the PEN Translation Prize and the PEN Award for Poetry in Translation were made public last month, you’re in luck: this year’s winners have just been announced.
The 2015 PEN Award for Poetry in Translation has gone to Eliza Griswold for I Am the Beggar of the World, a collection of work by Afghan women writers translated from the Pashto (Farrar, Straus and Giroux). More information about the book and the award (including the judge’s statement) here.
Each prize comes with a $3000 purse; both will be presented at a ceremony at the New School on June 8.
The winners of all the 2015 PEN literary prizes (even the non-translation ones) can be found here. Congratulations to this year’s winners!


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Perhaps (ok, fine, definitely), I am not using the phrase correctly and disparaging Catholicism with my feeble attempt at humor. But I frequently feel I’m baring my soul and claiming myself a deviant when I tell folks this one true fact about me: I do not like the music of Florence + the Machine.
I don’t know why. All the algorithms say I should enjoy it. I simply do not.
Earlier this week I started the 30-Day Song Challenge after seeing a handful of folks doing it on the Book of Face. I breezed through days 1-3, making selections by doing a quick scan of my Liked Songs on Spotify. Quick might not be the best word, as my liked songs list is not a short one, but it wasn’t hard to come up with good options.
Day 1: A song you like with a color in the title. I went with Joseph’s White Flag. This does not require much explanation. White is a color. I really, really enjoy this song. And my enjoyment of this song could likely be described as ironic. Because, as my husband frequently points out when it’s playing, it really reeks of Florence and her machine. Which is why I started this post with a confession of sorts.
Day 2: A song you like with a number in the title. I am Minnesotan. Minnesotans love Prince, and the past week marked four years since his death. So 7 was a no-brainer.
Day 3: A song that reminds you of summertime. Ahhh. Summertime. I love summer even more than I dislike Florence. I went with This Girl. And I had to text Elise to find out the name of the song.
This choice was not as obvious. My family has been fortunate to enjoy extensive travels. And in 2016 we spent a few days in Italy on our way to Croatia. This song was playing every time we got in the car. Every time we were anywhere where music happened to be playing. Once you’ve heard it 200 times, it becomes very catchy. Music’s funny that way, ya know?!
Anyhoo, This Girl will always make me think fondly of summer.
Today, Day 4: A song that reminds you of someone you’d like to forget.
Oh goodness, that one is going to require some thought. I don’t really plan to blog about all my song choices, so I can’t promise an explanation when I finally make a pick. I have no doubt this breaks your heart, because you’re really longing to see into this particular window into my soul. Too bad, so sad. 😉
I’ve received many lovely comments in response to last night’s post and I am grateful. Today, indeed, does feel better. Lighter, kinder, less daunting. Of course, it’s not even 9 a.m. yet, so.
Today’s post, completely irrelevant to anything, is brought to you by Day 29 of Minnesota Shelter in Place. And Coffee.
Be Well, Friends.

domain: hobby


Monolithic Chromatography and its Applications
Jan 10 2023
Monolithic chromatography is a relatively newer technique in the field of separation science that has gained popularity in recent years due to its unique properties and versatility. It involves the use of a monolithic column, which is a single piece of porous material with a homogenous structure and high surface area, as the stationary phase for chromatographic separations.
One of the key advantages of monolithic chromatography is its high flow rate, which allows for faster separations compared to traditional packed bed columns. This makes it particularly useful for large scale purification and bioprocessing applications, where faster separations can lead to significant cost and time savings.
Another important feature of monolithic chromatography is its ability to retain a wide range of molecules, including large biomolecules such as proteins and nucleic acids. This makes it suitable for many biopharmaceutical and biomedical applications, including the purification of therapeutics and diagnostic markers.
In addition to its use in bioprocessing, monolithic chromatography has also found applications in the food and beverage industry, where it is used for the purification of ingredients and the removal of contaminants. It has also been used in environmental analysis, for the separation and detection of trace contaminants in water and air samples.
Despite its many advantages, monolithic chromatography is not without limitations. One of the main challenges is the difficulty in predicting and controlling the separation performance of monolithic columns, which can vary significantly depending on the specific application and operating conditions. This has led to the development of various optimisation and modelling approaches to improve the predictability and reproducibility of monolithic chromatography.
Overall, monolithic chromatography has proven to be a valuable tool in a wide range of applications, offering many advantages over traditional chromatographic techniques. Its high flow rate and ability to retain a wide range of molecules make it particularly well-suited for bioprocessing and other applications where fast, efficient separations are needed. As research and development efforts continue to advance the field of monolithic chromatography, it is likely that we will see even more diverse and innovative applications in the future.
More information on Monolithic Chromatography and its modern applications can be found in this book.
Chromatography Today - Buyers' Guide 2022
In This Edition Modern & Practocal Applications - Accelerating ADC Development with Mass Spectrometry - Implementing High-Resolution Ion Mobility into Peptide Mapping Workflows Chromatogr...
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Very new and uncommon thing is first Indian company who comes with this great service to cover whole India in very cheap cost. Now we have also good speed network for internet work. Before this jio 4G service can be access by only lyf mobile user and some registered other company mobile user. But now this annoushment says very people can use this service in his/her 4G mobile. You can buy jio sim from jio retiles in free. With id proof. After 3month of free service you can use50/GB and free calling over Jio network.
Reliance Join 4G launch live: Mukesh Ambani to speak at 11 am
Reliance Industries Limited (RIL) chairman Mukesh Ambani on Thursday dedicated the much-anticipated Reliance Jio 4G services to the nation and called it an effort to fulfil the Digital India dream of Prime Minister Narendra Modi. The 4G VoLTE service, even in its beta phase has been generating a lot of user interest across the country and millions of people have already bought the Reliance Jio SIM for the free data during the trial period. Ambani said his goal was to acquire 100 million customers as soon as possible.
Reliance Jio services have been on a trial run for a few months now, initially being limited to employees and then to those buying a Lyf smartphone from the company. From September 5, everyone will be able to access the service, which will still be free till the end of the year. Voice calls, meanwhile, will never be charged on the Jio service. The data rates are also cheapest in the world, he said, announcing tariffs starting Rs 50 per GB or 5 paise per MB. The entire bouquet of apps will also be free till end of 2017.
Over the past week or so, Reliance Jio has opened service up to people owning devices from most brands selling in India. The services are free for the first 90 days and that has been a huge driver for the adoption along with the high Internet speeds in the relatively new network.
The RIL AGM was held at Birla Matushri Sabhagar in Mumbai on September 1.
HIGHLIGHTS FROM THE AGM BELOW:
# Mukesh Amana starts by talking about youngest member of Reliance family. Says Join is aimed at realizing Digital India dream of Prime Minister Narendra Modi. He dedicates Jio services to India.
# “Life is going digital… I believe in next 20 years we will collectively achieve much more that before.” He says we will become irrelevant if we are not digital in this era. “India and Indians cannot be left behind”. He says Jio will improve India’s digital ranking.
#”Data is the oxygen of digital life. Jio is more than just a business. It is a commitment to enrich the life of every Indian.”
# Data demand is growing. Jio’s mission is to meet this exploding need, to go from data shortage to data abundance
#Ambani lists five pillars of Jio services.
#1 Network: Most service providers have infrastructure for voice, not data. They have had to retrofit, have had to push an unnatural act. There is one language spoken on Jio, the language of the Internet: IP. The all IP design makes Jio the most extensive and future-proof in the world. Jio is a data strong network, built for the Internet from the ground up. Will cover 90 per cent of India’s population by March 2017. Only 4G on Jio network. Largest only 4G network in the world today. Largest VoLTE network in the world. Jio is future ready and can be easily upgraded to support even more data. We can transform India from a high price data market to one with the lowest data rates anywhere in the world.
#2 Devices: More 70 per cent of all smart phones in India are 4G LTE. Ambani announced new Lyf devices with prices starting at Rs 2,999 and going up to Rs 5,999. 4G LTE JioFi router at 1,999. Ensured that entry price for using the network will be low for Indians.
#3 Content: JIO TV will offer access to 300 plus channels. Jio Cinema will have a library of 6000 movies and 1,00,000 episodes of TV shows. Jio music as 10 million songs. Jio Money allows you to go cashless. Apps will be free for all users till December 2017.
#4 Services: Redesigned sign up process which will roll out in Delhi and Mumbai today. Rest of India within six weeks. Capacity to acquire a million users a day. Want to make on boarding experience as simple as possible. E-KYC will give you a working connection with Andhra card in just 15 minutes.
#5 Tariffs: Have always put customer first. Jio tariffs are built on three principles. 1) Customer should play for only one service — voice or data. So all voice calls will be absolutely free. No roaming charges across India. 2) Data must be affordable: Jio will have a base rate which is 1/10th of market rates. 5 paisa per MB, or Rs 50 per GB. More you use, the cheaper it gets. “Absolutely the lowest rates anywhere in the world.” 3) Pricing structure should be simple so just 10 tariff plans. No blackout dates.
#6 No strings attached. International calling rates will be best away, says Ambani. Indians will no longer have to turn off data.
#7 Students will be able to get 25 per cent more data on Jio’s main tariffs. Platinum customers to get white glove services.
#8 Mukesh Ambani rounds up. But says there is one more thing. Starting September 5, all Jio services will be availabe for everyone free till end of the year.” He calls it the Jio welcome offer. However, free services have been running for a while now. Now every Indian can do ‘datagiri’. “Do unlimited good things with unlimited data.”
#9Jio is rolling out fiber-to-the-home wire line network. He announced an Rs 5,000-crore venture fund to help Indian entrepreneurs to set up their businesses.
#10 He announces 100 million customers target, a new world record. Have 5, 00,000 partners across India. Join family is nearly 50, 00,000 strong across India. This is the employment Jio has created.
#11 Incumbents have significant advantages, the onus is on incumbents not to create unfair hurdles on points of inter-connect. In the last week alone Jio customers suffered five core call drops because of these issues.
Hi, Guys, I am Vijay Chandra a passionate blogger from Andhra Pradesh, India.I spend most of my time on the internet exploring new things in the world of technology. I like to discover new things related to technology and loves to share them on this blog.I created this blog to help newbies and beginners to learn Android Development And Some Other Important Things Which I Know in the simplest way.


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Otorhinolaryngology, Head and Neck Surgery
Matti Anniko, Manuel Bernal-Sprekelsen, Victor Bonkowsky, Patrick Bradley, Salvatore Iurato
Springer Science & Business Media, Jan 22, 2010 - Medical - 738 pages
The aim of this book is to harmonize the field of Otorhinolaryngology, Head and Neck Surgery and its interdisciplinary subjects within the European Community; to present the state of the art in the field and to give standards for diagnostic and therapeutic procedures. The book includes sections titled Head and Neck, Larynx and Trachea, Nose and Paranasal Sinuses, Oral Cavity and Oropharynx, and Otology and Neurotology. It also covers such topics as patient evaluation and treatment, basic surgical procedures, as well as more conservative approaches. The book is authored by renowned experts throughout Europe, and features a layout that facilitates quick and easy retrieval of information.
What people are saying - Write a review
parotide gland and stylomandibular ligamnet p334
very good compilation of information scattered here and there, moreover loaded with recent data. Though few points are contoversial.The text is very Standrad, it communicates very clearly yet precise.
Diseases of the Nose and Paranasal Sinuses
Diseases of the Nasopharynx
Diseases of the Salivary Glands
Diseases of the Oral Cavity Oropharynx Hypopharynx Cervical Esophagus
Diseases of the Larynx

domain: library


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My dad wishes I didn’t climb. For one thing, he’s afraid of heights; so much so that walking three flights up a fire tower makes him nauseous, so scaling cliffs seems unfathomably frightening. For another, he’s never tried it, not even in a gym. He doesn’t understand the melding of strength, balance, and focus required to send a route. He only knows that some people climb without ropes, and some of them die, and some other people who do climb with ropes die too. For him, climbing is an unnecessary risk taken to get to the top of something via the most difficult route; utter senselessness.
My dad and stepmom asked me recently if I though climbing was “just a phase” in my life, like when all I eat for breakfast is Honey Almond Kashi cereal for a month and then switch to only eating eggs and toast for breakfast the next.
I explained that climbing is not in fact “just a phase,” and I’ll probably have gear on my Christmas wish lists for many years to come. They then asked why I like it so much. That was a stumper.
How does one explain to someone who has never climbed the feeling of pulling oneself up a cliff? Or a boulder? Or even just the difference between trad climbing, sport climbing, and toproping without the other person beginning to daydream?
The question did get me thinking about why I climb, especially since they were both staring at me expecting a quick, well-reasoned answer. It’s certainly not just for the exercise; there are much less stressful ways to tone your arms than leading a run-out 5.11. It’s not for an adrenaline rush either—the most common reason non-climbers think the rest of us climb—that means I’m doing something wrong or am overly frightened or both. I try to avoid all three.
Sometimes I want to unlock the puzzle of onsighting a route, discovering the best holds and working out the easiest line up a section of rock. Other times, I need the focus required for leading at my limit to clear my mind; I cannot worry about finding six sources for my next journalism class article if I’m trying to not fall off a cliff. There are also times when I just want to have fun, chatting my way up easy routes or toproping routes I probably could lead but will appreciate more without fear of falling preventing me from enjoying the movement on my first time up. Other days I don’t feel like pulling on plastic in the gym, but I still top out a few boulder problems because I want to get stronger and smoother for my next time outside.
For me, the best parts of climbing are the focus required to send, the movement on the rock, and the climbing community. Realizing I’ve thought of nothing but moving from one hold to another from the time I left the ground to clipping the chains is the closest to meditating I’ve gotten; I return to the ground balanced, more relaxed and, occasionally, excited. As for movement, who doesn’t love the feeling of jumping to a jug and sticking, back arching and legs flinging backward to hold the swing? Or the magical moment when you hit a crimp, begin to barn-door, and then remain on the wall, surprising yourself? And then there’s the climbing community: the most friendly, accepting individuals I know. Despite often being the least experienced climber in the group, no one has ever said, “No Liz, I’d really rather you didn’t come and struggle on my warm-up,” or “No, I don’t feel like letting you toprope the route I just sent.”
Climbing is a mental and physical challenge. You need to figure out the moves, remembering the correct hand and foot sequences and how to twist your body between them to minimize energy expenditure to link them perfectly and send. You must fight your fear of falling, pushing the idea out of your mind, so you can fully commit to each move. You have to maintain good form and smooth movement even when you’re exhausted. But you get to celebrate, or at least feel some sense of accomplishment, each time you clip the chains or stand on top of a boulder.
So why do I climb rocks? It’s a lot of things, a different reason every time I go out, and probably many more reasons that I’ve yet to realize. But what I do know is: Not rock climbing isn’t an option.
Originally published July 27, 2015, on coffeetapeibuprofenclimb.blogspot.com.


Russia and Japan conduct military drill amid North Korea threat
North Korea has been threatening another launch following a series of provocative tests earlier this year.
Two missiles flew directly over Japanese territory, terrifying citizens and sparking a round of worldwide condemnations and sanctions.
And now despot Kim Jong-un could be set for yet another test - despite ever-strengthening warnings from his Western rivals.
One Japanese diplomat warned today radio signals detected from the hermit state indicated another test is close.
North Korea could launch a missile in the 'next few days'
Japan's Kyodo news agency said the detection had been confirmed by government officials.
One official told them: “There is a possibility of missiles launches in the next few days.”
They said the test could be part of North Korea’s army’s winter training regime.
READ MORE: Will North Korea launch another missile?
It comes after a former US admiral admitted he was “scared to death” by the situation on the peninsula.
Mike Mullen said: “It's still a very difficult place to know what's actually going on. I think Kim Jong-un is really working hard to achieve the nuclear capability.
"And I think he'll get there short of some deterrence.”
When asked whether nuclear weapons will be used, Mr Mullen replied: “I don't know. I think it's more probable than it used to be. And it scares me to death, quite frankly.
Hawaii reinstates 'attack warning' siren due to North Korea threat
Kim Jong-un could be preparing for another missile launch
And Hawaii is also preparing for a possible attack, reinstating missile warning sirens.
Residents have also been urged to develop emergency plans for shelter in the event of an attack.
They have been told to hide in a solid structure with enough food and water for up to two weeks.


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WRIGHT, Barry Robert
'29 Commando Regiment RA'
Wednesday, July 27, 1966
Monday, October 23, 1989
Died in service
Bombardier Barry Wright died as a result of a road traffic collision. He served with 7 Bty and 49 Fld Regt. Sources AFM ROH Obituaries in RMRO 111 dated 20th Nov. 1989 Commando Gunner website
Primary Roll of Honour:
Ask Questions / Add Information / Add Photos
Use the Archive Forum for research enquiries, or to add information or photos. [register now].
Photos will be reviewed and added to the Archive if appropriate.
All content is researched and administered by the Commando Veterans Archive.


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Great for beginners and professionalsTattoo Stencil. If you do you will see that the deep meaning of transformation.
Feb 5 2021 – Explore Laura Marullos board Monarch Butterfly Tattoo.
Butterfly mini tattoo. Quick efficient and easy to use for all artists. Nowadays tattoos with an image of butterflies are very popular because they emphasize personality unique style femininity and emotional state of harmony of their owners. Medium 5 X 1inches Professional vinyl stencils are the go-to.
This butter flower is a good option for butterfly tattoos on the back. Gone are the big blobs of multi-colored designs although thats still a thing especially if youre into that. We are here to help you to pick up the right kind of.
See more ideas about tattoos tattoos for women body art tattoos. 352021 Last Updated on March 6 2021. Create sparkly glitter tattoos at your childs birthday party or support a good cause by having a glitter tattoo fundraiser.
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Going with a butterfly tattoo can be an excellent choice for a woman. Butterfly On Flower Butterflies love flowers of all sizes. 11112020 Butterfly tattoo designs are the epitome of classic feminine tattoos.
Feb 8 2020 – Explore Erika lynn Lemoines board Tiny butterfly tattoo. Love is the strongest of human emotions. You will find a lot of varieties on butterfly tattoo designs for ex black blue yellow white 3d geometry monarch manly tribal and traditional but when it comes to picking up a design for yourself you will surely get confused.
In general it all depends on the concept. A wide variety of mini butterfly tattoo options are available to you such as temporary. Ad Search Butterfly Mini.
Butterfly tattoos are as timeless as they come. 242021 A butterfly mini tattoo on her wrist symbolizes a beautiful transition. Get Results from 6 Engines at Once.
They represent hope positivism and beauty. But do not consider a butterfly exclusively female symbol often similar images are found in mens tattoos but they can be more brutal such as the image of a deadhead.


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Romantic Comedy Movies Starring Drew Barrymore
Romantic comedy movies starring Drew Barrymore have cute plots, and offbeat characters. Drew Barrymore has an easy-going free spirit attitude that often crosses into her movie roles. She is one of the few child stars that became an A-list movie star, which can be attributed to her starring roles in romantic comedies. Her natural charm and stand out smile makes it easy to like her movie characters. In romantic comedy movies she plays the nice, sweet girl that has a problem in the romance department.
"The Wedding Singer" The 1998 romantic comedy movie starring Drew Barrymore is set in the 1980's. The movie co-stars Adam Sandler as a wedding singer who gets left at the alter. He quickly turns into a bitter wedding singer, until he meets Drew Barrymore's character Julie. Unfortunately, Julie is engaged to be married but the two form a friendship. They soon discover romantic feelings for each other, but each is in a separate relationship. It is a cute love story, and the 1980's wardrobe is off the wall funny.
"50 First Dates" One of the most successful romantic comedy movies starring Drew Barrymore is "50 First Dates." The movie is set in Hawaii, and Drew Barrymore portrays Lucy, a woman who has short term memory loss. She cannot remember any individual day prior to her accident. Adam Sandler co-stars as Henry, her love interest. He meets her in the diner she eats at every morning, and they spend the day together. The next day he approaches her at the diner she has no recollection of meeting him the previous day. The 2004 romantic comedy revolves around Henry trying to win over Lucy each and every day.
"Never Been Kissed" The 1999 romantic comedy movie stars Drew Barrymore as a low-level journalist who gets the opportunity to go undercover at high school. Her mission is to get the inside scoop on what goes on with high school students. While posing as a high school student, Josie quickly falls for one of her teachers. Josie's boss gets wind of her new found friendship with the teacher, and wants to change the story to be about inappropriate student-teacher relationships. She is then left with the decision to salvage her career, or budding relationship with her love interest.
"Going the Distance" Drew Barrymore plays Erin, a journalism grad student who gets a summer long internship in New York. While in New York she starts a romantic relationship with Garrett. Soon, her time in New York is up and she moves back to the east coast. The 2010 romantic comedy movie starring Drew Barrymore revolves around Erin and Garrett trying to make a long distance relationship work. It is a cute and funny movie that also stars Christina Applegate and Ron Livingston.
"Ever After: A Cinderella Story" This romantic comedy movie starring Drew Barrymore is a spin on the classic Cinderella fairy tale. Barrymore stars as Danielle, a girl whose father passes away, and her evil stepmother gains custody of her life. Danielle's stepmother, and stepsisters treat her like a servant. One day, she meets Prince Henry and from there the romantic tale revolves around their star-crossed romance. Fans of fairy tales, will not be disappointed by this romantic comedy.


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Thursday, April 5, 2012
The Second Foreclosure Tsunami Is Coming, And Is About To Kill Any Hopes Of A "Housing Bottom"
In what appears to be surprising news for some, Reuters has an article titled "Americans brace for next foreclosure wave" whose key premise is that "a painful part two of the [housing] slump looks set to unfold: Many more U.S. homeowners face the prospect of losing their homes this year as banks pick up the pace of foreclosures." Thank the robosettlement, where in exchange for a few wrist slaps, contract law was thoroughly trampled by America's attorneys general, but far more importantly to the country's crony capitalist system, the foreclosure pipeline was once again unclogged, and whether one does or does not have a legal title on a given house, the banks are now fully in their right to foreclose on it. What this means also is that America's record shadow housing inventory, which is far greater than any fabricated number the NAR reports on a monthly basis, is about to get unleashed on buyers, shifting the supply curve much further to the right, as up to 9 million new properties slowly but surely appear on the market. And while many will no longer be able to live mortgage free, forcing them to go out and rent (and no longer be able to afford incremental iGizmos), it also means that the prevalent price of homes is about to take another major tumble, making buffoons out of all those who, once again, called for a housing bottom in early 2012. Here's the simply math: there will be no housing bottom until the 9 million excess homes clear. Period. Until then it is a buyer's market, even if said buyer is unable to obtain bank financing, as ultimately it will be the seller who is forced to monetize (or vacate if underwater) their home in a world of ever diminishing cashflows. The fear of the supply onslaught will only make the dumpage that much faster.
As a reminder, this is what America's recover shadow inventory looked like recently:
For those curious how much more foreclosed properties are about to hit the market, we have the answer. Courtesy of RealtyTrac we know how many homes were foreclosed upon in the period until November 2010, when robosigning became a prevalent, if short-lived issue, or roughly 330,000 a month. In the aftermath, this average has dropped to 227,000 a month: a roughly 100,000 difference in less foreclosures each month! Which means that in the deferred amount of foreclosures, over and above the already endogenous deterioration in home prices and declining household income, means that there is at least 1.6 million in homes that are just waiting for a green light to be foreclosed upon, sending shadow inventory in the double digit millions, and unleashing a selling wave unlike any seen before. Behold the deffered foreclosures in all their glory:
Translation: Just like John Paulson lost billions on his massively wrong way bets that housing would soar (ironically, after getting the move lower correct), so Goldman's recent bet that properties will rebound is about to cost the firm dearly.
Because at the end of the day, it is all about supply and demand, or, said otherwise, money.
Reuters explains further:
"We are right back where we were two years ago. I would put money on 2012 being a bigger year for foreclosures than 2010," said Mark Seifert, executive director of Empowering & Strengthening Ohio's People (ESOP), a counseling group with 10 offices in Ohio.
"Last year was an anomaly, and not in a good way," he said.
In 2011, the "robo-signing" scandal, in which foreclosure documents were signed without properly reviewing individual cases, prompted banks to hold back on new foreclosures pending a settlement.
Five major banks eventually struck that settlement with 49 U.S. states in February. Signs are growing the pace of foreclosures is picking up again, something housing experts predict will again weigh on home prices before any sustained recovery can occur.
Mortgage servicing provider Lender Processing Services reported in early March that U.S. foreclosure starts jumped 28 percent in January.
Well, no. LPS which is going through legal troubles of its own, unfortunately, is very much, less than credible. For the only real source on foreclosure data, we go to RealtyTrac, where we find that February foreclosures hit 206,900, the second lowest in many years, and higher only than December 2011's period low 205,000 (see chart above). But while there is no need to fabricate data, foreclosures will eventually come, as banks, first slowly, then very, very fast, start sending out foreclosure notices. What happens next will be entire neighborhoods with "Foreclosure" signs in front of the houses, doing miracles to prevailing home prices.
A January report by the Neighborhood Economic Development Advocacy Project in New York found that in the first half of 2011 the number of 90-day pre-foreclosure notices in New York City outnumbered court foreclosure actions by a ratio of 14 to one, indicating that while proceedings were initiated against many homeowners, they were left incomplete.
"Now the banks have a settlement, foreclosure numbers for 2012 are going to be high," said NEDAP co-director Josh Zinner.
A recent survey by the California Reinvestment Coalition, an umbrella group of nearly 300 non-profit groups in the state, of member agencies found 75 percent of respondents expected increased demand for their foreclosure prevention services in 2012 but more than a third had to scale back services because of funding cuts.
"Funding is a major concern given what our members expect for this year," said associate director Kevin Stein.
Needless to say, the return of reality, i.e., when one actually has to pay for living somewhere, instead of living 5 years without making a mortgage payment like the Ritters, means a return of ever louder calls for socialist debt principal reduction. What is odd is that nobody seems to care: certainly not the millions of other hard working Americans who would end up footing the bill.
All this has non-profits intensifying calls for the Federal Housing Finance Agency to drop its opposition to allowing the government-backed mortgage giants Fannie Mae and Freddie Mac it regulates to reduce principal for underwater homeowners.
Principal reduction involves reducing the amount borrowers owe in order to make a loan modification affordable for struggling homeowners. Republicans and the FHFA oppose principal reduction because of the risk of "moral hazard"- that homeowners who do not need help will seek to abuse largesse and have their mortgages reduced too.
"Until banks engage in meaningful principal reduction as a matter of course," ESOP's Seifert said after a recent protest at a Chase branch in Cleveland, "this crisis will not end."
Well then it won't. Because since every bank asset is another bank's liability, unless the government pulls a GSE, and funds the wholesale mortgage reduction (call it the "final solution" of ubiquitous and unquestioned socialism), banks will not do this. And while this next bank bailout is only years (at most) away, in the meantime we will see banks do just what they always do: foreclose once again, and release the pent up vacant homes into the market. Which for anyone who has taken Econ 101 means prices are about to take yet another dive lower, and the entire housing recovery plan can be scrapped. As to what it means for the Fed's plans for future easing, well... we believe our readers are smart enough to figure this out on their own.