Thursday, May 31, 2012

Schiff: America is Already Bankrupt | Breakout - Yahoo! Finance

Peter Schiff makes it clear, up front, why he's not trying to save America from fiscal disaster. He's not un-American, he's just too late. "We're already bankrupt," Schiff declares in the attached clip. "Better to acknowledge that fact than to pretend we're not."

The author of the new book The Real Crash says it's the stimulus that got us into this mess, or at least exacerbated the one we already had. Because of the Feds effectively zero percent interest rate policy the U.S., both as individuals and a collective, spends, borrows, and generally wastes far too much while saving nothing.

"We can't have real economic growth until interest rates go up," says Schiff. "If we admit we're bankrupt and at least restructure, we can start repairing the damage and preparing the economy for real growth."

The man who forecast the end of the housing bubble in his book Crash Proof says the housing implosion wasn't his primary concern. "I was worried about what was going to happen when the government tried to reflate the bubble." The ensuing meltdown is going to result from the cure, not the original disease.

Schiff says the Congressional Budget Office (CBO) got it exactly backwards when they issued warnings that the U.S. would slip into recession if we reached the debt ceiling early in 2013. America literally can't cut spending fast enough; a recession now beats a depression later.

"Right now the government can spend as much as it wants because it can borrow." But there's a limit. Once U.S. interest rates are forced higher by concerned lenders, the party is going to be over for the U.S. Of course, there's no actual deadline for when those rate spikes happen. Currency and debt are relative, and the U.S. remains a relatively safe bet.

"The worst that can probably happen in the short run, if you're trying to keep the bubble going, would be some kind of resolution in Europe. If Europe actually gets its house in order, then we're really in trouble."

As Schiff views it, America's in much worse shape than Europe. What's saving us is that the problems over there are providing enough of a distraction?or are at least making the U.S. look good enough by comparison?that the Fed can keep rates near nil.

According to Schiff, the hangover from our money party will be hellish.

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How to Build a Propane Tank Screen at Lake of the Pines ...

said on May 29th, 2012 filed under: Lake of the Pines

The rules for building propane tank screens at Lake of the Pines changed in January, 2012.? Again.? These rules are enforced whenever a Lake of the Pines home is sold.

Back in olden times the propane tank screens were built to hide the ugly tanks from your neighbors,? to obscure the ?visual blight.?

For that purpose I built a pretty propane tank?screen at my house.

?

Here?s a screen I made for an investment property CJ and I ?flipped? on Lakeshore North.

Later, I made several screens for my clients.? This one was for Kieran?and Gary Gibson when we sold their house on Oakmont.

Then came the first of the major changes in Environmental Control Committee requirements.? The?posts had to be pressure treated and the siding had to be fire-resistant hardi-board, or hardie-panel, or something like that.? So, I built the screens?to comply with the new code.? Here?s one I made for Corey and Christina Cregar when they bought their house on St. Andrews Court.

And another one for Sheila and Tom Sellers when they bought their house on Bobolink.

Here is the most difficult to build, and the most sturdy, of all my propane tank screens.? This one was for Ken and Cheryl Tune on Lakeshore South.? You could land a helicopter on this one.

Then came the next major change in requirements from the Environmental Control Committee.? This one has proved to be a pain in the behind.? The new rule requires that the entire enclosure, inside and out,?reveal no combustible materials.

Quoting from one of my previous blogs:

Before the newest set of ECC standards (2012), you would dig the holes, set 4X4 pressure treated posts in concrete, build a frame out of 2X4 or 2X2 douglas fir, and hang fire-resistant concrete hard-board sheets for siding, put a redwood rain cap on top, paint it to match the house. You might put on some decorative trim or lattice work so the screen did not look like the ugly, ungainly squat box that it is.

Cost in materials?? About $200.

Now, you can not use pressure treated posts, 2X frames, or redwood rain caps unless you rip concrete hardi-board strips (or some other non-combustible material) and then clad all the wood on all sides.? Ever ripped long strips of hardi-board?? Ever tried to make the hardi-board edges match up with each other and look crisp and professional?

Or you can build the thing out of concrete block, or brick, or stone, or some other masonry technique.

Or you can hang the hard-board siding on a metal frame that you weld or bolt together.

Here?s one of the new 2012 models.? Because the three extant sides were?coated with stucco,?I was able to get away with hanging a ?hardi-board front panel on a metal frame.? This one was for Peggy Upson when we sold her house on Sun Terrace.

My most recent screen was made by encasing 4X4 posts on all sides with hard-board and then hanging hardi-board panels for the siding.? Squat and unattractive.? But, by george, it?s in compliance with the new rules.? This one was for Hugh Stanton when we sold his house on Sycamore.

There are two main steps to the process:

First you have to submit two sets of plans to the ECC and get them approved.? That can take from a few dfays to a few weeks.? Each set of plans will include:

(1)? plot plan indicating the location of the tank

(2)? front elevation of your proposed screen design

(3)??cover letter identifying

  • address
  • statement of purpose
  • dimensions
  • materials
  • paint colors
  • owner?s signature

I would also advise you to include the following language:

?The screen will be painted to match the house.?

?The posts will be 4X4 pressure-treated lumber encased on all sides with non-combustible material or metal posts whichever is most feasible.?

Then, you have to build it.? Or hire someone to build it for you.? I have seen quotes from contractors as high as $1800.00 for tank screens on steep slopes, in rocky ground, on welded metal frames, or with any trim or decoration.

If you enjoyed reading this article, why not subscribe to be notified of the next one?

To find out more about real estate in the Golden Hills of the Sierras, just call Bob at (530-906-1023) or CJ at (530-9064715) or email us at [email?protected] or [email?protected]

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Wednesday, May 30, 2012

Los Gatos Plumbing- Find out why plumbing providers are expensive.

Homeowners will be in a fearful expectation of increase in his or her expense which they need to face while they are hiring professional plumbers when they confront plumbing problem. This is because of the large cost that these program have. Most of the people believe these professional folks are just charging far more for their services. Nevertheless, you that getting into e-commerce requires huge amount involving capital as all the plumbing parts are very costly.

Imagine your life without kind of services as well as without a professional business that can help you to find treatment for simple to complex plumbing problems either at home or professional units. Your entire life style and needs will get influenced and you will be frustrated in the event that there are any ailments or malfunction from the plumbing and heating problems. The money that the organizations spent in buying the right equipment and selecting the expert, educated plumbers will all be re-cooped simply by charging fees in order to consumers. Thus you?ll want to accept this truth if you are in need of highest quality of service for all your plumbing needs.

If you are not convinced in regards to the prices of their large tools and equipment, you can acquire information from your neighborhood home improvement shop and request for the prices. You will surely always be overwhelmed on viewing the hefty marking price of each provide has. If you go in search of the price of plumbing then you can clearly understand that even the specific components such as glues, tapes, elephant seals and connection pieces will be costly that is certainly the reason why the simplest tasks are also charging high.

The professional plumbing organizations will bear doing this cost into their consideration. Along with their experience, some time and all these tools as well as equipments they will be definitely charge only affordable rates. If you call for high qualified as well as professional plumbing company to complete all your required plumbing providers, then you have to pay somewhat more per hour. On the other hand several companies may impose a fee lesser as there will likely be lack of expertise as well as right equipment to complete the work right. Paying out little money simply by hiring an lacking company will only amount to more than you expect. All sorts of plumbing and heating providers whether it may be a simple work or a extremely complex issues, experience and expertise will be the essential attributes to get the work carried out a professional and perfect way.

Cost of starting a Los Gatos Plumbing business should be borne wholly by the operator. It is natural that every the business owner tries hard to get their spent money back as soon as possible by causing real profit. Many will derive income only after four to five years of service in the industry. This will be too expensive for their services and the primary reason that the business man charging expensive rates for their services while no one will be willing to run a business that can gain profit following four or five years.

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The Events..

Witches Brew

A sprinkle of three sneaky, little witches, a pinch of three clueless jocks, and a breath of sly idea all brews a whole lot of trouble! When three witches decide to bet who can make a human male fall for them first without using magic, you can imagine..

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Witches Brew?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
HERE IS WHERE MAIN EVENTS IN THE ROLE PLAY WILL BE LISTED IN ORDER. FEEL FREE TO ADD THINGS THAT CAN HAPPEN, WE ONLY HAVE A FEW SO FAR. I ENCOURAGE YOU TO DO SO! Get those amazing, creative minds to working!! ^.^ Even though the events are a bit spread out, you can suggest something to happen in between those things. =)

Main Events::

? Monday, October 4th:: School starts back for all those attending Ashwick High School, home of the Ashwick Panthers. This is also the first day at the school for the three witches. Many things are happening. Sports sign-ups, signing up for certain clubs, ect.

? Friday, October 8th:: The annual "Back To School" dance, held in the school's gymnasium. It's nothing big like the Halloween Masquerade, and never requires much decorating. However, those in Student Council are in charge of making and handing out fliers, and getting people together to do a little decorating. [A boys ask girls event, though you can go alone as long as you're a Junior or Senior.]

? Monday, October 18th:: The town of Ashwick's Fall(Autumn) festival. Carnival rides, games, and activities for the local "townsfolk." The school's drama club usually puts on some small play. The football team usually runs a few booths at the festival as well: Playing games to win a prize, bobbing for apples, kissing booth, something along those lines. And don't forget the great 'Haunted House!!' =)

? Friday, October 22nd:: The Ashwick Panther's first football game, it is also Homecoming. Their first game, like always during Homecoming, is against their biggest rival. The Blackwood Bears. During this time AHS(Ashwick High School) students are full of school spirit! They deck out in the school's colors(red and gold), and come supporting their Panthers at the game!! Students in the school's daily paper go to take pictures of the game, and get "interviews" from a couple of the star players.

? Sunday, October 31st:: The great, cherished Halloween Masquerade. Ashwick students adore this event that has been a tradition every Halloween for over thirty years. Students on Student Council start decorating a week in advance. It is also held in the large school gymnasium. It is, like always, a boys ask girls event. You cannot get in the doors without a mask on!!!

That is all the events we have so far! Please suggest other things to fill in the gaps. Obviously, there needs to be a couple! =P Once the month of October is over events for the following month will be put up!

Last edited by Just Sayin' on Mon May 28, 2012 10:22 pm, edited 1 time in total.
User avatar
Just Sayin'
Member for 1 years



How about the School play for Felix and his gang? Perhaps a test that Damien needs to pass or his out of the team since there should be a maintaing GPA for players right? And an evil plot brewed by Soleil and her clique or other Antagonists that may join?

Btw, Soleil needs a girl or two to form her clique- you know, rivals for the 3 girls :)

User avatar
lovechanningforever
Member for 2 years


I like the school play idea! =D Perhaps the 21st, a Thursday for the play? =o

And what do you mean an evil plot? XD Plot for what? o.o (you can message me about it if you'd like)

About the test, that's up to reveries! That could be a personal thing Damien has to take that doesn't really need to be mentioned in the "Main Events." XT

P.S. About the needing a couple more girls for the "clique" thing, tell friends about this role play! ^^ Ask if they'll make one to help you out. If not, I could possibly make a snobby girl? XD Who knows.. =o

User avatar
Just Sayin'
Member for 1 years



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Monday, May 28, 2012

Arizona health care - HEALTH, BEAUTY & FITNESS

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$129 for a One-Night Stay at Salishan Spa & Golf Resort in Gleneden Beach, OR (Up to $226 Value)

Pacific Northwest Lodge with Spa, Golf Course, and Private Beach Access

Flanked by beach and bluffs, Salishan Spa & Golf Resort spreads across 350 wooded acres accessible via a private, spruce-lined drive. When the hotel was built in 1965, original owner John D. Gray wanted it to match the beauty of its knockout setting. The interior incorporates native stone, intricate woodwork, hand-blown glass, and contemporary artwork, taken from Gray?s own collection, showcasing more than 100 regional artists.

Vaulted ceilings and floor-to-ceiling windows give guest rooms a spacious feel. Private balconies overlook Siletz Bay, the forest, or the 18-hole golf course, which was

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Salishan's spa is a destination in its own right. Ranked No. 13 on the list of the Top 250 Spas by Cond? Nast Traveler readers, the full-service facility offers facials, massages, and professional hair, nail, and waxing treatments. Even if you only stop by for a quick sweat in the sauna, be sure to stop by the spa's alfresco lounge area for the incredible bay views.

Gleneden Beach, Oregon: Small Coastal Community Set amid Beachfront State Parks

Located on the central stretch of Oregon's 363-mile coastline, Gleneden Beach is only slightly larger than the resort itself. The tiny windswept town is home to two annual kite festivals and is a good spot for testing the holding power of one?s hairspray. It?s situated between two larger coastal cities, Newport and Lincoln City, both of which abound with opportunities for beachcombing, whale watching, and browsing in boutiques and bookstores. Newport?s Oregon Coast Aquarium features outdoor exhibits where harbor seals, otters, and sea lions frolic in their natural habitats. A 200-foot underwater tunnel provides near 360-degree views of sharks, giant octopi, and other creatures of the deep.

Read the Fine Print for important info on travel dates and other restrictions.

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Friday, May 25, 2012

One-time top Calif. football prospect exonerated

Brian Banks, center, reacts with his mother, Leomia Myers and father, Jonathan Banks, outside court after his rape conviction was dismissed Thursday May 24, 2012 in Long Beach, Calif. Banks, a former Long Beach high school football star and prized college recruit who served more than five years in prison for a rape he did not commit had his conviction overturned Thursday with his accuser recanting her story( AP Photo/Nick Ut)

Brian Banks, center, reacts with his mother, Leomia Myers and father, Jonathan Banks, outside court after his rape conviction was dismissed Thursday May 24, 2012 in Long Beach, Calif. Banks, a former Long Beach high school football star and prized college recruit who served more than five years in prison for a rape he did not commit had his conviction overturned Thursday with his accuser recanting her story( AP Photo/Nick Ut)

Brian Banks weeps after his rape conviction was dismissed in court Thursday, May 24, 2012, in Long Beach, Calif. It has been 10 years since Banks, then 16, pleaded no contest to a rape charge brought after a childhood friend falsely accused him of attacking her on their high school campus, shattering his dreams of a pro career. (AP Photo/Nick Ut)

Brian Banks becomes emotional as his attorney Justin Brooks, right, and attorney Alissa Bjerkhoel stand by, as Banks' rape conviction is dismissed Thursday, May 24, 2012, in Long Beach, Calif. It has been 10 years since Banks, then 16, pleaded no contest to a rape charge brought after a childhood friend falsely accused him of attacking her on their high school campus, shattering his dreams of a pro career. (AP Photo/Nick Ut)

Brian Banks reacts with his mother, Leomia Myers, outside court after his rape conviction was dismissed Thursday May 24, 2012 in Long Beach, Calif. Banks, a former Long Beach high school football star and prized college recruit who served more than five years in prison for a rape he did not commit had his conviction overturned Thursday with his accuser recanting her story( AP Photo/Nick Ut)

Brian Banks weeps as his kidnap-rape conviction is dismissed Thursday, May 24, 2012, in Long Beach, Calif. It has been 10 years since Banks, then 16, pleaded no contest to a charge brought after a childhood friend falsely accused him of attacking her on their high school campus, shattering his dreams of a pro career. (AP Photo/Long Beach Press-Telegram, Brittany Murray)

LONG BEACH, Calif. (AP) ? A former high school football star whose dreams of a pro career were shattered by a rape conviction burst into tears Thursday as a judge threw out the charge that sent him to prison for more than five years.

Brian Banks, now 26, pleaded no contest 10 years ago on the advice of his lawyer after a childhood friend falsely accused him of attacking her on their high school campus.

In a strange turn of events, the woman, Wanetta Gibson, friended him on Facebook when he got out of prison.

During an initial meeting with him, she said she had lied; there had been no kidnap and no rape and she offered to help him clear his record, court records state.

But she refused to repeat the story to prosecutors because she feared she would have to return a $1.5 million payment from a civil suit brought by her mother against Long Beach schools.

During a second meeting that was secretly videotaped, she told Banks, "'I will go through with helping you, but it's like at the same time all that money they gave us, I mean gave me, I don't want to have to pay it back,'" according to Freddie Parish, a defense investigator who was at the meeting.

It was uncertain whether Gibson will have to return the money and unlikely she would be prosecuted for making the false accusation so long ago, when she was 15.

Gibson did not attend the hearing and she could not be reached for comment. Prosecutors and defense attorneys said they were unable to find her recently.

Banks, once a star middle linebacker at Long Beach Polytechnic High School, had attracted the interest of such college football powerhouses as the University of Southern California, Ohio State University and the University of Michigan, according to the website Rivals.com, which tracks the recruiting of high school football and basketball players.

Banks said he had verbally agreed to attend USC on a scholarship when he was arrested.

He still hopes to play professional football and has been working out regularly. His attorney Justin Brooks appealed to NFL teams to give him a chance.

"He has the speed and the strength. He certainly has the heart," Brooks said. "I hope he gets the attention of people in the sports world."

Gil Brandt, an NFL draft consultant, said Banks would be eligible to sign with any team that might show interest. However, his years away from the game will be hard to overcome.

"History tells us guys who come back after one or two years away when they go into the service find it awfully hard," Brandt said. "And this has been much longer a time."

Brandt compared the challenge to someone who has been out of high school for years trying to get an A in their first class in college.

Banks said outside court that he had lost all hope of proving his innocence until Gibson contacted him.

"It's been a struggle. But I'm unbroken and I'm still here today," the tall, muscular Banks said, tears flowing down his face.

He recalled being shocked and speechless on the day Gibson reached out to him after he had been released from prison, having served five years and two months.

"I thought maybe it wasn't real," he said. "How could she be contacting me?"

He said he knew that if he became angry when he met with her it wouldn't help, so he struggled to keep calm.

"I stopped what I was doing and got down on my knees and prayed to God to help me play my cards right," he said.

In court, Deputy District Attorney Brentford Ferreira told Superior Court Judge Mark C. Kim that prosecutors agreed the case should be thrown out. Kim dismissed it immediately.

Banks had tried to win release while he was in prison, but Brooks, a law professor and head of the California Innocence Project at California Western School of Law in San Diego, said he could not have been exonerated without the woman coming forward and recanting her story.

Brooks said it was the first case he had ever taken in which the defendant had already served his time and had been free for a number of years.

Banks remained on probation, however, and was still wearing his electronic monitoring bracelet at the hearing. His lawyer said the first thing the two planned to do was report to probation officials and have it removed.

"The charges are dismissed now," Brooks said. "It's as if it didn't happen. ... It was the shortest, greatest proceeding I've ever been part of."

Banks had been arrested after Gibson said he met her in a school hallway and urged her to come into an elevator with him. The two had been friends since middle school and were in the habit of making out in a school stairwell, according to court papers.

There were contradictions in Gibson's story, as she told some people the rape happened in the elevator and others that it happened in the stairwell.

A kidnapping enhancement was added to the case because of the allegation Banks had taken her to the stairwell. That enhancement also was thrown out Thursday.

Outside court, Banks donned a sweat shirt that read "Innocent," as several friends and family members wept. His parents were jubilant, and Banks thanked them for standing by him.

"I know the trauma, the stress that I've been through, but I can't imagine what it's like to have your child torn from you," he said. "I don't know what I would have done without my parents."

___

AP Writer Greg Risling and AP Pro Football Writer Barry Wilner contributed to this story.

Associated Press

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