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Dow Drops 500 Points
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Image by YoTuT
AIG Tumbles 61%, Pushing
Dow to a 500-Point Decline

September 15, 2008 6:13 p.m.

The stock market suffered its worst daily plunge in nearly seven years Monday as the bankruptcy of Lehman Brothers Holdings threw the U.S. financial system into an abyss, uncertain where the bottom of its credit-related problems lies.

Lehman’s demise makes it the biggest casualty yet in the long-running credit crisis, which has so far seen torrents of red ink, restructurings and acquisitions, and shutterings of a few commercial banks. But until Sunday night, no Wall Street firm of such size and stature had suffered an all-out meltdown.

The Dow Jones Industrial Average, which languished with a loss between 200 and 300 points for most of the day, saw its losses accelerate in the last hour of trading to suffer its worst daily point drop since trading resumed after the 9/11 terror attacks. The Dow ended down by 504.48 points on Monday, off 4.4%, at its daily low of 10917.51, down 18% on the year.

All 30 of the Dow’s components fell, save for Coca-Cola, which rose 0.5%.

American International Group plunged 60.8%. The Federal Reserve Monday asked Goldman Sachs Group and J.P. Morgan Chase to help make – billion in loans available to the company, according to people familiar with the situation. The insurer has been racing to restructure its business and raise fresh capital to avoid a downgrade of its credit ratings.

The number of big players on Wall Street is dwindling, but traders said it remains to be seen where and for how much longer the ill effects of soured credit bets will continue to surface. A series of events through the end of the week, including a Fed meeting Tuesday and stock-options expiration Friday, could shed more light on the state of the financial system and send investors on another dizzying ride.

"It’s a dicey situation right now," said Bill King, chief market strategist at M. Ramsey King Securities in Burr Ridge, Ill. "You have a lot of guys right now who don’t know who to trade with because of counter-party issues," especially in the credit markets, where traders said it remained difficult to find buyers for certain securities despite the last 24 hours’ realignment on Wall Street.

Bank of America was another big decliner among Dow stocks, off 21.3%. The company had been a suitor for Lehman but pulled out of talks as it became apparent in recent days that the Fed would not guarantee the financing of an acquisition as it did in J.P. Morgan Chase’s purchase of Bear Stearns in March. Instead, Bank of America quickly moved to buy Merrill Lynch on Monday. Merrill shares ended little changed.

Two remaining big investment banks — Goldman and Morgan Stanley — saw their shares fall. Goldman was off 12.1%, while Morgan Stanley fell 13.5%. Both firms are due to report their fiscal third-quarter results in the next few days and are expected to try to make the case that they’re very different from Lehman and Merrill. Analysts are expecting each to stay in the black but are bracing for write-downs of billion to billion each at Goldman and Morgan Stanley.

Financial stocks in the S&P 500 fell 9% as a group. The sector has shed .27 trillion in market value since October 2007. Financials now comprise 14.4% of the S&P 500, down from 22% at the end of 2006.

"Too much leverage is the alpha and omega of this story," said Doug Kass, president of the hedge fund Seabreeze Partners Management in Palm Beach, Fla., referring to financial firms’ use of borrowed money to make bets on securities tied to risky mortgages. In a note to clients Monday, he criticized some banks’ use of 30 dollars in leverage for each dollar of collateral in recent years – a practice that effectively amplified losses once prices of homes and the credit bets themselves began to fall.

In an interview, Mr. Kass added: "We’re moving into the timeframe in which it makes sense to look for well-valued (financial) stocks. But investors should still take a conservative approach," including relatively small-sized bets on a recovery after more than a year of rocky credit trading and plummeting share prices in the financial sector.

In particular, the last few days’ events have underscored the challenges facing the Fed, the Treasury Department, and other federal regulators, who are trying to strike a delicate balance between establishing a sturdy framework for the financial system while at the same time allowing markets to reward smart decisions and punish bad ones. By taking the rescue option off the table for Lehman, the U.S. government effectively declared that there are limits to its role as backstop-in-chief — a concept that could have implications for other troubled firms in the months ahead.

Just last week, the government seized mortgage giants Fannie Mae and Freddie Mac, and months prior it brokered the sale of Bear Stearns to J.P. Morgan. But now, Washington appears to want Wall Street to largely fix its own problems.

"We’ve re-established ‘moral hazard,’" a person involved in the Lehman talks told the Journal, referring to the notion that the government should eschew bailouts, since financial firms might take more risks if they’re insulated from the consequences. "Is that a good thing or a bad thing? We’re about to find out."

Other financial bellwethers suffered Monday. Wachovia plummeted 25% as analysts raised questions about the potential need for Wachovia to raise new capital to absorb future losses. Mike Mayo of Deutsche Bank downgraded the stock to "Hold" from "Buy," concerned about Wachovia’s large portfolio of risky bets on adjustable-rate mortgages, which he called a wild card in analyzing the company.

"Our view has been that Wachovia does not need more capital," he said in a research note, since he thinks loan losses over the next few years will be less than expected. However, given increased concerns about economic growth and intense stress in financial markets, "this margin of safety has been reduced."

Troubled Washington Mutual tumbled 26.7% as investors feared it wouldn’t be able to find a buyer to shore up its books.

After the close, S&P Ratings Services lowered its credit ratings on Washington Mutual to junk. "Increasing market turmoil and the related impact from managing its concentrated mortgage franchise in this troubled housing and credit cycle led to the downgrade of WAMU," said S&P credit analyst Victoria Wagner. "The company’s weak equity pricing in the markets is also a concern, and it increasingly appears that market conditions could overtake credit fundamentals and leave the company with greatly diminished financial flexibility."

Other stock yardsticks suffered Monday. The Nasdaq Composite Index was off 4.7% to 2179.91, near a 6-month low and down 18% on the year. The small-stock Russell 2000 fell 4.2% to 689.76, down 19% on the year. The S&P 500 was off 4.7% to 1192.96, down 19% on the year. All the broad measure’s sectors fell.

Among names listed on the New York Stock Exchange, about 8.1 billion shares changed hands, a new record. Decliners outnumbered advancers nearly 19 to one on the exchange.

Credit markets showed few signs of relief. The Fed-funds rate traded as high as 6.5% Monday, well above the central bank’s 2% target as demand for cash far outstripped supply. The shortage forced the Fed to inject a massive billion cash via its daily repurchase-agreement operation, which helped bring down the rate to 3.5%.

Traders said that various Wall Street firms offered a staggering 3 billion in mortgage-backed paper to use as collateral for repo agreements, but the Fed only accepted about billion of it — a sign that much of that debt remains too toxic for the Fed to assume on its books.

In the meantime, the three-month Libor/OIS spread, a gauge of stress in the money markets, widened to around 104.6 basis points from around 84.5 basis points Friday. Monday’s reading was its widest since December when the gap increased to above 110 basis points, a record.

"These markets just continue to be broken," said Don Wilson, head of DRW Trading, a proprietary firm active in Chicago’s interest-rate pits.

Treasury prices surged, pushing interest rates lower as investors sought safe havens. The two-year note was recently up 23/32, yielding 1.844%. The benchmark 10-year note was up 1-18/32, yielding 3.527%. The 30-year bond jumped 2-3/32 to yield 4.193%.

Crude-oil futures settled down .47 at .71 on the New York Mercantile Exchange on Monday on fears that the financial crisis could further slow the wider economy and fuel demand. It was oil’s first finish below 0 since early March.

The dollar dropped against the Japanese currency, changing hands recently at 105.47 yen, down from 107.87 yen late Friday. But the dollar managed to post gains against the euro and British pound.

Write to Peter A. McKay at peter.mckay@wsj.com

Back to School Vaccinations
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Image by 666isMONEY ☮ ♥ & ☠
"No one will be turned away for an inability to pay."

Prices at River City continue to slip-slide away.
home equity loans
Image by seeChicagorealestate.com
deepdishrealestate.com/2010/02/prices-at-river-city/
How low can you go?

What if your sole purpose in life were to serve as an example to others…for what NOT to do? This seems to be the karma for poor 800 S. Wells, also known as River City. The building looks like a cross between a space ship outside and a submarine inside. The concrete walls can be depressing and the roof over the lobby has been known to leak. A slew of River City properties are currently short sales or in foreclosure.

Comprised of 448 units sitting on 20 acres of land southwest of Printer’s Row, there are studios, one-, two- and three-bedroom units. Currently the lowest-priced available studio is a recently listed short sale offered at ,000; the lowest-priced one-bedroom is a foreclosure property offered ,000 which is down from the original asking price of 0,000. The lowest-priced available two-bedroom unit is priced at 6,400. It was originally offered at 8,900. This unit is…wait for it, here it comes…in foreclosure. Ditto the lowest-priced three-bedroom which is now offered at 5,500 after sitting on the market for a total of 348 days.

There must be more than one gobsmacked River City homeowner asking himself, “What happened?”

The answer is: a perfect storm of a developer who over-promised and an economy that was bucking for a giant reset.

When River City converted to condos in 2001, American Invsco offered buyers two years of free assessments and taxes plus a guaranteed renter for two years. Back then banks were happy to underwrite pie-in-the-sky loans to applicants whose eyes were bigger than their checkbooks. So why not jump in?!

We know how that story played out.

But they say there’s a lid for every pot. River City makes sense for buyers with specific goals. Some enjoy the unique architecture. Some like being in close proximity to the Chicago River (great for sailing and kayaking). Some cannot resist the unbelievable condo deals to be had – invest now, keep the property for a few years, and watch the equity build.
So if you’re a hardy soul and a bit of a gambler, River City might be a good bet for you. Want more information? Contact Ted Guarnero at Baird & Warner, (312) 810-6693 or search all homes at www.seechicagorealestate.com

Credit score Card Financial debt Settlement

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by Eva Rinaldi Celeb and also Live Music Digital photographer Debt card financial debt is actually

a threat as well as a great deal of individuals are facing it around the world. Charge card financial debt combination and financial institution fundings are well known as means of minimizing as well as getting rid of charge card debt. In all this confusion, bank card financial obligation negotiation nearly gets forgotten.Well, credit report card debt settlement starts right from your credit scores accounts where you have the most compelling debt card financial debt. This indicates credit report card financial debt arrangement has to be taken up with your current credit history carriers. Prior to you misunderstand it, let me make clear that we are not speaking about chucking off a part of your debt with credit report card debt arrangement. We are speaking mainly about using credit rating card debt arrangements for obtaining the APR on your current charge card decreased to some reduced number. So, bank card financial obligation settlement is about talking to your current credit report card vendors for informing them regarding your intent to erase your debt card debt and using your skills( debt card financial obligation settlement abilities)to concur a lower APR rate with them. Generally, bank card debt settlement is about asking your present credit rating card distributors for help/assistance in getting rid of off your charge card financial obligation. If charge card financial obligation settlement achieves success, it will certainly conserve you not just money (due to reduction in APR)yet likewise the headache that is related to trying to find a brand-new bank card(to transfer balance). Nonetheless, if the bank card financial debt settlement, with your current bank card supplier, does not produce the preferred outcomes, you will have to look for other credit rating

providers that could help you in combining your financial obligation. Once more, you will certainly need your negotiation abilities(rather charge card debt negotiation skills)to obtain an excellent bargain from them. If your credit score card financial debt settlements exercise well, you may be able to obtain a really low standard APR or you may get a longer term on 0% APR (or you could get both). These are truly the most important points as well as your bank card financial obligation negotiations must focus more on these than anything else. The various other point to include on your credit score card financial debt arrangement would certainly be the credit line and various other advantages. Right here, you are essentially attempting out the opportunity of obtaining a better credit scores card as part of your bank card debt arrangement. For people with truly bad credit scores rating, getting an unsecured small business loan or getting another credit report card(for balance transfer)is truly hard. For them, getting an unsafe small business loan or charge card is what you would certainly describe as credit rating card financial debt negotiation.So, do not think twice in opting for bank card financial obligation settlement. It is surely an option offered for all.

Got ta Catch ‘Em All

Some amazing negative credit history bank card pictures:

Obtained ta Capture ‘Em All
bad credit card
< img alt=" bad credit bank card" src=" https://www.credit-report-online.net/wp-content/uploads/2017/05/10199565673_6324ae9518.jpg" width=" 400"/ > Photo by< a href= " http://www.flickr.com/photos/21134226@N06/10199565673" > BrickinNick Pokemon has strangely adequate become a big part of my life lately, in between both the Video Gamings as well as the Trading Card Game. As expected, I’m thrilled concerning X and Y, as well as constructed these for a Pokemon occasion I’m gone to tomorrow.

Wish I could take debt for the initial layout, but clearly I’m far from the first to do this. Improvements I made are inner framework (I can drop it from in between 2 and 3 feet high), as well as the black line (elastic band/string). The black line was a simple edition, however makes it look that far more like a Pokeball.

Likewise, apologies for the negative illumination that appears here. Intended to obtain pictures before I take ’em with me tomorrow, in situation something happens to ’em.

Robert Lansing, Teri Garr, William Shatner, Celebrity Expedition TOS, “Assignment: Earth,” 1968
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< img alt=" negative debt credit card" src=" https://www.credit-report-online.net/wp-content/uploads/2017/05/32502689900_d16edc840d.jpg" size=" 400"/ > Image by< a href=" http://www.flickr.com/photos/29069717@N02/32502689900" >
classic_film Celebrity Trip: Season 2, Episode 26, “” Task: Planet”.
Initial U.S. program date: March 29, 1968.

Synopsis, via < a href=" http://www.imdb.com/title/tt0708419/?ref_=ttep_ep26" rel= "nofollow" > IMDb: While back in time observing Planet in 1968, the Venture crew runs into the strange Gary 7 who has his very own program on earth.

This episode of “” Star Expedition” “showcased visitor celebrities Robert Lansing (June 5, 1928 – October 23, 1994) and also Teri Garr (b. December 11, 1947, billed as Terri Garr).

Some facts about this “” Star Trip” “episode, using < a href="http://www.imdb.com/title/tt0708419/goofs?ref_=tttrv_sa_1" rel="nofollow" > IMDb:
The initial draft script was not a “” Celebrity Trek”” job. Gary Seven was an Earthman from the future who had actually been returned in time to battle the Omegans, a bad unusual people that ‘d mastered time travel. “” Assignment: Planet”” was contacted present a hoped-for spin-off series of the same name which never ever materialised. The series would certainly have showcased Robert Lansing as Gary Seven, Barbara Babcock as Isis, and Teri Garr as Roberta Lincoln. In the brand-new series, the intrepid trio would have functioned to make certain humankind attained the fate glimpsed through the “” Star Trip”” personalities and 7’s strange extraterrestrial details.
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This episode features among the very first uses stock video footage of the very first examination launch of the Saturn V moon rocket in November 1967.
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Barbara Babcock supplied the voice of the Beta-5 computer system, along with the cat Isis’ vocalisations. Nonetheless, Victoria Vetri, Playboy Playmate of 1968, depicted Isis in human form. Had actually the collection gone into manufacturing, it’s unknowned whether Vetri would certainly have been available for the spin-off.
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Spock discusses all the occasions which are to take place on that day the Venture took a trip back in time to the 20th century and met Gary 7. Among the occasions mentioned was a crucial political murder. As it transformed out, there were inevitably two essential political assassinations in 1968: simply 6 days after this episode broadcast on March 29, 1968, Reverend Martin Luther King Jr. was fired and also eliminated in Memphis, Tennessee on April 4, 1968, as well as two months later on, on June 6, 1968, Legislator Robert F. Kennedy was killed in L.a, California on the evening that he won the California Autonomous presidential main.
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3 black pet cats were utilized for the function of Isis.
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No scenes for this episode were actually shot at Cape Kennedy itself. The impression of remaining in Florida was achieved by utilizing a mix of supply footage and Paramount workshop locations.
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The aliens which Gary 7 represents call themselves “” The Aegis”” – one more word for “” shield””. Gary’s tool/weapon is referred to as a “” servo””. The Marvel Comic books, imaginary agency S.H.I.E.L.D. (Strategic Danger Intervention, Reconnaissance & & Logistics Directorate) was portrayed as S.E.R.V.O., which sounds like “” mind”” (cerveau) in French.
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Gary Seven’s “” servo”” is made use of in this episode in ways not unlike Physician That’s “” sonic screwdriver,”” which had been ‘developed’ for the now-famous BBC series just a few years earlier. Whether this is coincidence or the writers had some awareness of Physician Who’s now-iconic device is unidentified.
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While at the launch base as well as showing his ID to the safety and security individual, Mr. Seven reveals a National Safety Firm credential card. The NSA was one of the most awful kept government secrets, yet was not openly acknowledged until nearly 25 years hereafter episode initially aired.

********.
Fair Use Doctrine; if you utilize this photo, please supply attribution credit score; except business use (see Creative Commons permit).

Edamame

A few nice consumer credit images I found:

Edamame
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Image by UnitedSoybeanBoard
If used, credit must be given to the United Soybean Board or the Soybean Checkoff.

Soybean Oil Poured
consumer credit
Image by UnitedSoybeanBoard
If used, credit must be given to the United Soybean Board or the Soybean Checkoff.

Vitamin A Maize
consumer credit
Image by HarvestPlus
Unlike white maize varieties, vitamin A maize is rich in beta-carotene, giving it a distinctive orange color. This biofortified variety provides consumers with up to 40% of their daily vitamin A needs.

Photo credit: Joslin Isaacson (HarvestPlus)

Nice Complimentary Credit File Government photos

Some cool no-cost credit history government photos:

UK 2010 election: imagine if the Spanish electoral system had been used?
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Image by oledoe
Licence: This image and associated information is licensed under an innovative commons licence. Which means it is possible to replicate it at no cost, however must credit me personally for creating it and connect back to these pages, e.g. "(cc) oledoe flic.kr/p/7Zv9Md". If any political party or any other organisation or individual with governmental association or propensity utilizes these, they ought to make it clear that I am not endorsing them or other political party or cause.

UK 2010 “what if” general election outcomes
The united kingdom recently voted in a broad election therefore the outcome is a parliament without any party having an outright bulk. One of the problems being hotly debated is electoral reform, possibly altering from a plurality (first-past-the-post) system to a single of proportional representation. There are various designs for this, each with positives and negatives. Some look for to mirror the diverse views for the electorate since precisely as you possibly can, others reduce this precision for greater governability or sensed equity (e.g. amplifying or decreasing results for small events or areas).

This is certainly only a believed experiment to fulfill my desire for just what the UK parliament would seem like had the ballots in 2010 general election been cast in an unusual electoral system. The four examples offered are “pure proportional representation”, the Spanish system, the German system and counting the vootes in line with the d’Hondt method. Due to the differences in amounts of MPs, regions and amounts of ballots, the results of these examples are necessarily approximations. If these system ended up being utilized in the UK, it would very first have to be adjusted to its special situations. Lastly, numerous voters might have voted in a different way in an unusual system. Therefore, do add a grain of sodium to those results!

Actual British results for comparison: flic.kr/p/7Zv9yA
"Pure" proportional representation: flic.kr/p/7Zv9Gy
Spanish system: flic.kr/p/7Zv9Md
German system: flic.kr/p/7ZrYpv
d’Hondt system: flic.kr/p/7ZZD7e

Note: so that you can attempt to illustrate possible majorities, I had to put the functions into some type of purchase from remaining to right. Since I have always been unfamiliar with most smaller parties, they might be in an order it doesn’t make much sense. No offence meant. I’d appreciate ideas for enhancement.

Note: the data resource may be the election result as reported by the BBC here: news.bbc.co.uk/2/shared/election2010/results/ . During the time of writing, 649 off 650 seating being declared. Where appropriate to these calculations, I am assuming that the Conservatives will win the seat in Thirsk & Malton.

Note: in which applicable, I did not actually determine variety of seats using an approach including d’Hondt or Sainte-Laguë, as it is carried out in truth. Instead I simply utilized proportions and rounded the outcomes. This might lead to a difference of a seat or two every now and then according to which strategy is used.

— ABOUT THIS IMAGE —

This image ( flic.kr/p/7Zv9Md ) reveals the hypothetical result of the UK 2010 basic election if the seating in Parliament was allocated in accordance with the exact same system that chairs are allocated in Spanish Congreso de los Diputados. Truth be told there, each area gets a number of chairs in line with population dimensions, that are then distributed towards the functions proportionally relating to their leads to these areas. There is a 3per cent entry threshold, which means that parties who don’t get 3per cent of the vote, do not get any seating.

Hypothetical seat allocation within scenario:
Conventional: 240 seats
Labour: 199 seating
Liberal Democrat: 154 chairs
British Independence Party: 15 chairs
Scottish National Celebration: 11 seating
Democratic Unionist Party: 6 seating
Sinn Fein: 6 seats
British National Celebration: 5 seats
Plaid Cymru: 4 seats
Social Democratic & Labour celebration: 4 seating
Ulster Conservatives and Unionists – brand-new energy: 4 chairs
Alliance Party: 1 chairs
Conventional Unionist Voice: 1 seats

So that you can approximate the Spanish electoral system utilising the Uk ballots, here’s what I did:

In place of the Spanish regions We used the 9 government workplace areas of England plus Scotland, Wales and Northern Ireland, leading to 12 regions. The Spanish Congreso de los Diputados has actually 350 chairs, whereas the united kingdom Parliament has 650 (which can be 1.86 times the maximum amount of). Therefore, rather than allocating 2 automatic seating to each area, we allocated 4 to every. The remaining 602 seats where allotted to the regions based on population information from the 2001 census ( www.statistics.gov.uk/census2001 ).

The Spanish system has a threshold of 3per cent of this vote for a celebration to get seats inside Congreso. I actually do perhaps not understand whether this limit is applied on the across the country results or within each area. But if it was applied to the entire British instead of by area, then just the big three plus UKIP would get any chairs, barring such events because the SNP or Plaid Cymru from entry into Parliament (ultimately punishing all of them for maybe not fielding prospects in England). Since I have never believe that such a system would previously be contemplated, I used the 3percent limit within each area. Therefore, the seating for every single area are distributed proportionately between all parties that received at least 3percent of the vote for the reason that area.

For completeness, here are the intermediate figures associated with computations:

FEW SEATING:
Region :: Population :: Pop per cent :: automated seats :: chairs for pop :: Total chairs
Scotland :: 5,062,011 :: 8.61% :: 4 :: 52 :: 56
Wales :: 2,903,085 :: 4.94per cent :: 4 :: 30 :: 34
Northern Ireland :: 1,685,267 :: 2.87per cent :: 4 :: 17 :: 21
North-west :: 6,729,764 :: 11.45percent :: 4 :: 69 :: 73
North East :: 2,515,442 :: 4.28% :: 4 :: 26 :: 30
Yorkshire therefore the Humber :: 4,964,833 :: 8.45percent :: 4 :: 51 :: 55
East Midlands :: 4,172,174 :: 7.10percent :: 4 :: 43 :: 47
Western Midlands :: 5,267,308 :: 8.96per cent :: 4 :: 54 :: 58
Eastern :: 5,388,140 :: 9.17per cent :: 4 :: 55 :: 59
South East :: 8,000,645 :: 13.61per cent :: 4 :: 82 :: 86
South West :: 4,928,434 :: 8.38% :: 4 :: 50 :: 54
London :: 7,172,091 :: 12.20% :: 4 :: 73 :: 77
TOTAL :: 58,789,194 :: 100.00per cent :: 48 :: 602 :: 650

SEATS with PARTY BY REGION (only those functions with 3percent or higher regarding the ballots in that area):

Scotland :: Votes :: % :: Seats
Labour :: 1035528 :: 0.43 :: 24
Liberal Democrat :: 465471 :: 0.19 :: 11
Scottish National Celebration :: 491386 :: 0.2 :: 11
Traditional :: 412855 :: 0.17 :: 10
Total :: 2405240 :: 1 :: 56

Wales :: Votes :: % :: Seating
Labour :: 531601 :: 0.39 :: 13
Conventional :: 382730 :: 0.28 :: 9
Liberal Democrat :: 295164 :: 0.21 :: 7
Plaid Cymru :: 165394 :: 0.12 :: 4
Total :: 1374889 :: 1 :: 34

Northern Ireland :: Ballots :: percent :: Chairs
Democratic Unionist Celebration :: 168216 :: 0.27 :: 6
Sinn Fein :: 171942 :: 0.28 :: 6
Social Democratic & Labour celebration :: 110970 :: 0.18 :: 4
Alliance Celebration :: 42762 :: 0.07 :: 1
Ulster Conservatives and Unionists – brand-new power :: 102361 :: 0.16 :: 3
Traditional Unionist Voice :: 26300 :: 0.04 :: 1
Total :: 622551 :: 1 :: 21

North West :: Ballots :: percent :: Seats
Labour :: 1292978 :: 0.41 :: 30
Traditional :: 1038967 :: 0.33 :: 24
Liberal Democrat :: 707770 :: 0.23 :: 16
UNITED KINGDOM Independence Party :: 103782 :: 0.03 :: 2
Complete :: 3143497 :: 1 :: 73

North-east :: Votes :: % :: Chairs
Labour :: 518261 :: 0.46 :: 14
Traditional :: 282347 :: 0.25 :: 7
Liberal Democrat :: 280468 :: 0.25 :: 7
British National Party :: 51940 :: 0.05 :: 1
Total :: 1133016 :: 1 :: 30

Yorkshire therefore the Humber :: Votes :: percent :: chairs
Labour :: 821368 :: 0.37 :: 20
Conservative :: 769895 :: 0.34 :: 19
Liberal Democrat :: 543684 :: 0.24 :: 13
British National Celebration :: 104177 :: 0.05 :: 3
Total :: 2239124 :: 1 :: 55

East Midlands :: Votes :: % :: Chairs
Conventional :: 915933 :: 0.42 :: 20
Labour :: 661813 :: 0.3 :: 14
Liberal Democrat :: 462988 :: 0.21 :: 10
UNITED KINGDOM Independence Celebration :: 72659 :: 0.03 :: 2
British Nationwide Party :: 69706 :: 0.03 :: 1
Complete :: 2183099 :: 1 :: 47

West Midlands :: Ballots :: per cent :: Seats
Traditional :: 1044081 :: 0.42 :: 24
Labour :: 808114 :: 0.32 :: 19
Liberal Democrat :: 540160 :: 0.22 :: 13
British Independence Celebration :: 106273 :: 0.04 :: 2
Complete :: 2498628 :: 1 :: 58

Eastern :: Ballots :: per cent :: Seats
Conventional :: 1356739 :: 0.5 :: 29
Liberal Democrat :: 692932 :: 0.25 :: 15
Labour :: 564581 :: 0.21 :: 12
UNITED KINGDOM Independence Party :: 123437 :: 0.05 :: 3
Total :: 2737689 :: 1 :: 59

South-east :: Votes :: % :: Seating
Conservative :: 2140895 :: 0.52 :: 44
Liberal Democrat :: 1124786 :: 0.27 :: 23
Labour :: 697567 :: 0.17 :: 14
UK Independence Celebration :: 177269 :: 0.04 :: 4
Complete :: 4140517 :: 1 :: 86

South-west :: Votes :: % :: Seats
Conventional :: 1187637 :: 0.44 :: 24
Liberal Democrat :: 962954 :: 0.36 :: 19
Labour :: 426910 :: 0.16 :: 9
British Independence Party :: 123975 :: 0.05 :: 2
Complete :: 2701476 :: 1 :: 54

London :: Ballots :: per cent :: Chairs
Labour :: 1245637 :: 0.39 :: 30
Traditional :: 1174568 :: 0.37 :: 29
Liberal Democrat :: 751561 :: 0.24 :: 18
Total :: 3171766 :: 1 :: 77

Opening May plenary session
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Image by European Parliament
The EP’s position from the future negotiations for a trade arrangement between the EU and US are finalised through the May plenary. MEPs will also vote on resolutions to bolster media freedom, reports in the progress made by Bosnia and past Yugoslav Republic of Macedonia towards joining the EU as well as the dates the 2014 European elections. They will in addition encourage EU governing bodies to step-up the battle against tax evasion prior to the EU summit on Wednesday dedicated to this problem.

Read more: www.europarl.europa.eu/news/en/headlines/content/20130517…

These photographs are copyright free, but needs to be credited: © Eu 2013 – European Parliament. (Attribution-NonCommercial-NoDerivs Creative Commons permit). If you need high definition files usually do not hesitate to call us. Kindly do not forget to send the hyperlink or a duplicate of publication to united states: webcom-flickr(AT)europarl.europa.eu

33_and in 1860 27 per cent regarding the County’s residents were enslaved individuals
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Image by Jim Surkamp

Hamilton Hatter role 2 – publications would be the Holy path TRT: 25:43s
youtu.be/H95odtzcU1k

Browse script with matching photos –

1_My_Heart_Is_In_The_Mountains.jpg
(songs) mama of limestone fountains! My heart extends back using establishing sunshine — My heart, my heart is within the Mountains!

2_The “Most Exceptional” Hamilton Hatter
The “Most Excellent” Hamilton Hatter (1856-1942) Part 2 (songs) Once enslaved near Charlestown, Virginia,

3_seizes opportunities to find out and over come
Hamilton Hatter seizes possibilities to find out and over come. At one university he builds youthful thoughts plus its structures –

4_then launches another college inside the beloved western Virginia
after that launches another college inside the beloved western Virginia once more – building thoughts – and buildings. But first he had to overcome. (music)

5_and I am able to rejoice today inside belief your CLASS GOES ON
"and I Could rejoice today when you look at the belief that THE CLASS IS CERTAINLY GOING ON!”

6_The children had been of both sexes, including three to twenty years of age
The kids had been of both sexes, including three to twenty years old, nicely and comfortably clad, well-fed, healthier, and cheerful,

7_intelligent countenances
with an unusual assortment of acceptable and intelligent countenances peering on the tops of the desks.

8_Northern reporter John Trowbridge found Charlestown
North reporter John Trowbridge came to Charlestown in the early summertime of 1865, a war-worn town

9_with its ruins and seething
along with its ruins and seething and six months before Hatter’s school was exposed here.

10_Trowbridge reached Charlestown
Trowbridge attained Charlestown in about might, 1865 anticipating nothing in particular.

11_At the termination of an extended hour’s ride
At the conclusion of a lengthy time’s trip, we arrived at Charles Town, mainly of great interest in my opinion due to the fact host to John Brown’s martyrdom.

12_on the edge of boundless unfenced industries
We alighted from the train in the edge of boundless unfenced areas, into whoever melancholy solitudes the desolate streets emptied by themselves – streams to that particular ocean of weeds. The town resembled to my eye some unprotected feminine sitting,

13_sorrowfully from the wayside
sorrowfully regarding the wayside, in tattered and faded apparel, with unkempt tresses dropped negligently about functions which could as soon as being attractive.

14_On the tips of a boarding household
In the tips of a boarding residence i discovered an acquaintance whoever countenance gleamed with satisfaction

15_“at sight,” as he stated, “of an individual devoted face
“at picture,” as he said, “of a single loyal face because nest of secession.” He’d already been two or three days within the location waiting around for baggage which was in fact miscarried.

16_the belief toward secession through the entire County before the Civil War varied extensively
While Jefferson County, West Virginia continues to be little, the belief toward secession through the County before the Civil War varied widely, with the hotbed of secessionist belief in the area around Charlestown and adjacent large facilities.

17_“They are all Rebels right here – all rebels!”
“They are typical Rebels here – all rebels!” he exclaimed while he took his cane and stepped beside me. “They tend to be a pitiable poverty-stricken set, there’s absolutely no profit the spot, and barely anything to consume.

18_We have actually for breakfast salt-fish, fried potatoes and treason
We now have for morning meal salt-fish, fried potatoes and treason. Fried potatoes, treason, and salt-fish for lunch. At supper, the fare is slightly diverse, and we have treason, salt-fish potatoes, and a little more treason.

19_My landlady’ s child is south fire incarnate
My landlady’ s girl is Southern fire incarnate; and she illustrates Southern politeness by abusing Northern folks in addition to government from morning ‘till night, for my especial edification. Often I venture to resolve this lady, whenever she flies at me, figuratively talking, like a cat. The ladies aren’t the only out-spoken Rebels, even though they would be the worst.

20_The males don’t think twice to declare their particular sentiments
The guys don’t think twice to declare their sentiments, in period and out of season.” My buddy determined with this specific figure:

21_The war sensation the following is like a burning bush with a wet blanket
“The war sensation let me reveal like a burning-bush with a wet blanket covered around it. Viewed through the outside, the fire appears quenched. But simply peep underneath the blanket and truth be told there its, all alive and eating, consuming in. The wet blanket is the present government plan; and every act of conciliation shown the Rebels is permitting in such air to feed the fire.”

22_The time Hamilton came to be
The day Hamilton was born in April, 1856,

23_36-year-old Frank Hatter seems to be working
his daddy 36-year-old Frank Hatter appears to be working certainly one of Washington family homesteads into the County and

24_his mom 30-year-old Rebecca McCord ended up being working
most useful evidence shows their mom 30-year-old Rebecca McCord had been using the household Edward and Anne Aisquith, at their particular Charles Town house at Liberty and East (today Seminary) Streets.

25_or with Rebecca’s parents, William and Maria McCord, whom lived in Kabletown, and being neighbors regarding the big landowner here, Logan Osburn.
it is unclear whether Hamilton, his cousin George (who had been born in 1853) and his sibling Charlotte (created in 1858) existed using their parents or with Rebecca’s parents, William and Maria McCord, just who lived-in Kabletown, and being next-door neighbors of large landowner here, Logan Osburn.

26_School may be the Holy path
Class could be the Holy path Overcoming in Hamilton Hatter’s Charlestown, Va. – 1865-1868

27_Once the totally free will most likely Baptist Home Mission community established a college
After the complimentary will most likely Baptist Home Mission community established a school to teach those today freed,

28_Hamilton each day would go to the school
Hamilton every day would go into school in Charles Town for freed African-Americans in which

29_he would dedicate the newest act
he would dedicate the brand new work of learning to read, compose and think critically,

30_setting his footsteps regarding the long, hard but enthralling roa
establishing their footsteps on the lengthy, difficult but enthralling road to large grant and achievement.

31_Anne S. Dudley, was one of the women
December, 1865 – Anne S. Dudley, ended up being one of many ladies coming from Maine borne by their complimentary will most likely Baptist faith to begin Mission institutes in places like Charlestown.

32_They were determined to release the thoughts
They were determined to release the minds of only freed African-Americans –

33_and in 1860 27 percent associated with the County’s residents were enslaved individuals
plus 1860 27 per cent of this County’s residents had been enslaved people. Multiple had opted during war. Dudley, in addition a graduate of Maine Seminary in 1864,

34_and two various other teachers
as well as 2 other teachers who does show at Charlestown

35_came straight down by ship and train
arrived down by ship and train,

36_likely with with Baptist spiritual tracts.
likely with with Baptist spiritual tracts.

37_Miss Phebe Libby and Mrs. M. W. Smith
Skip Phebe Libby and Mrs. M. W. Smith would teach-in the Charlestown Mission college too.

38_Dudley penned Silas Curtis December 23, 1865
Dudley published Silas Curtis December 23, 1865 from Harpers Ferry, about eight miles from Charles Town: “I am going to Charlestown to open a college there a few weeks.

39_The nature that hung John Brown however life
The nature that hung John Brown nevertheless life, plus the individuals are highly against schools the Freedman indeed there, also right here.

40_I-go alone
I go alone, but I trust the law and also the Lord will protect myself.”

41_townspeople at best had been okay with training
More the townspeople at the best had been okay with training

42_but having refined feamales in public connection
those as soon as enslaved, but having processed ladies in public connection with those they when had enslaved breeched a hackneyed presumption.

43_lady regarding the town to associate with such a woman eg Miss Dudley
And a lady for the city to associate with these types of a female particularly skip Dudley from elsewhere – worse nevertheless from a Yankee condition – would-be a personal suicide in Charlestown.

44_Dudley composed: “i possibly could get no permanent boarding location for almost 2 months”
Dudley penned: “i possibly could get no permanent boarding place for almost 8 weeks (for it would have been a lifelong disgrace to board Yankee educators while the

45_there could be no return to pals and society
Rubicon as soon as passed, there might be no return to buddies and culture, no more than on the hills of caste in Asia, as community belief ended up being)

46_so I became here alone
thus I had been here alone, boarding myself and teaching night and day,

47_until I had 150 scholars of ages and complexions”
until I experienced 150 scholars of centuries and complexions” training the rudiments of reading to any or all “from white to black,

48_and of all of the many years
as well as all ages, from four to fifty-five years.” With this shunning, Dudley could only discover board and a school space all

49_freed African United States blacksmith
in solitary roofing of freed African United states blacksmith Achilles Dixon along with his partner.

50_southeast part of Samuel and Liberty streets
It had been on the southeast part of Samuel and Liberty roads.

51_The Freedmen’s Bureau
The Freedmen’s Bureau – formally the Bureau of Refugees, Freedman, and Abandoned Lands – helped. Initially arranged in July, 1865, – 30 days after Trowbridge’s go to –

52_crucial part enforcing the legal rights
the Bureau stretched its jurisdiction on Eastern Panhandle seeing the requirement and played a vital role implementing the legal rights associated with the

53_when the western Virginia local government ended up being not able
recently freed and their educators at a time whenever West Virginia local government had been incapable of do so, particularly in Jefferson County.

54_the Bureau paid skip Dudley’s lease
Actually, the Bureau paid skip Dudley’s rent so she could have a college room, albeit just fifteen sqft. After being confronted by a mob, the soldiers using Freedmen’s Bureau gave her an escort.

55_Nights, she slept with “a good axe and six-shooter”
Nights, she slept with “a great axe and six-shooter during the mind of my sleep during the night,

56_resolved to sell my entire life as dearly as possible – if you need to
resolved to sell my entire life as dearly possible – if necessary.”

57_to change the ground-breaking Dudley with two instructors
Overwhelmed by work that prompted home Mission Society to change the ground-breaking Dudley with two teachers rather than one in the springtime of 1866, Dudley wrote that February:

58_No it’s possible to previously understand the anxiety i’ve sensed
“No you can ever know the anxiety I have felt, additionally the energy i’ve needed to make these two long months, since I have came here, occupying a harsh wood household, cool as a barn, teaching and boarding in identical rooms because i possibly could perhaps not get board elsewhere, resting there without any guy or son inside your home for single night, although the opponents regarding the school had been threatening without, and not knowing just what next time might deliver; hearing 100 different scholars recite lessons in one day. doing my personal work, obtaining company, writing letters, etc. etc. and I also can rejoice today into the belief that IT WILL CONTINUE!”

59_Every time coming through the little home
Daily coming through little door was the woman fondest hope.

60_Strother described them
Strother described all of them: The room is obviously full to overflowing.

61_reduced one-half due to the necessity
In summer the attendance is decreased one-half due to the requirement of this older pupils going on to service,

62_remunerative labor of some kind
or engaging in remunerative work of some sort.

63_comfortably clad, well-fed, healthier, and cheerful
The children had been of both sexes, nicely and comfortably clad, well fed, healthy, and cheerful, with an unusual array of pleasant and smart countenances peering over the tops for the desks. These people were also remarkably docile, orderly, and well mannered,

64_rudeness related to the street-corner brat
without a trace of this barbaric squalor and rudeness with respect to the street-corner brat of former times, sometimes found today among those who didn’t visit college.

He continues on:

65_since the Emancipation Proclamation
As the most the students attended into existence considering that the Emancipation Proclamation, there clearly was however lots more than that event, plus some whose recollections antedate the truly amazing war. Yet within their profession of schooling they have all started even.

66_It are often seen that great scholars are usually outstripped by the little ones
It might probably additionally be observed that the great scholars usually are outstripped by the kids, which just visits verify the typically gotten viewpoint that younger plants tend to be more effortlessly transplanted and trained than older ones more positively true at heart and morals compared to horticulture.

67_i will never forget the oft repeated prayer
Dudley published to "The day Star," the complimentary will most likely Baptist book: all of the colored men and women manifested the greatest kindness towards united states. I will remember the oft-repeated prayer: “O, Lord, bless the instructor which comes a far distance to show united states. Front and fight the woman battles and deliver her safe home to Glory, if you be sure to Jesus.”

The main focus shifted to presenting a permanent school building. State legislation, due to amendments in 1865, segregated pupils by race. State legislation by 1867, additionally required going the duty of providing knowledge to African Us citizens

68_from the goal schools towards regional college board.
through the objective schools towards neighborhood school board. But before a reorganization eliminated the Freedman’s Bureau entirely from Jefferson County in October, 1868,

69_the new school, supplying some 20,000 bricks and money for materials
Bureau management prodded the Charlestown’s college board to building this new school, providing some 20,000 bricks and cash for products to match profits the township college board was to gather to construct the permanent college for its African Americans. The college under new administration unsealed with time the fall program in 1868.

70_The Freedmen Bureau males in addition engineered a match. It resulted in a determination by Unionist-leaning Judge Ephraim B. Hall in the Tenth District of the circuit judge reaffirming the right to an education for African Americans in that circuit. The ruling ended up being circulated and became getting a de facto plan through the state.

71_Another teacher (Sarah Jane Foster) wrote in her own diary: “And right here, i have to confess your instructors at Charlestown and Shepherdstown vehemently assert your colored individuals of their particular charges will compare positively with any. Appearances at Charlestown indicate as much.”

72_Wrote Strother how the class Board finally came around
Wrote Strother how the class Board eventually emerged around, tossing their reduced objectives: The County Commission of Examiners report many positively associated with general cleverness exhibited by the colored students, and of their particular progress in all the primary limbs of common-school knowledge.

73_One of this bright faces into the class
The brilliant faces in the class room to profit was the inquisitive Hamilton Hatter, which saw

74_his world starting
his world opening and vast through reading, it absolutely was the trail to his future.

Main Credits:

With generous, community-minded assistance from American Public University program. (The sentiments within manufacturing never by any means mirror modern-day guidelines of APUS). Much more at apus.edu

Investigated, Written, Developed, Narrated – Jim Surkamp

Musicians
"My Heart is within the Mountains" from Lantern in a Poet’s Garden, Poem by Daniel Bedinger Lucas (general public domain) songs by Terry Tucker, c (the copyright laws logo) 2010, GHF Music, (terrytucker.net)

Cam Millar – Tumble Blue 2, Waterdogs 1 (cammillar.com)

Shana Aisenberg – twelve-string guitar, banjo copyright laws Shana Aisenberg. (shanasongs.com)

Sound FX:
children playing, hand bell, crickets – from “free sfx.uk.com”

Sources:

Burke, Dawne R. (2006). “An United states Phoenix: a brief history of Storer College from Slavery to Desegregation,” Pittsburgh, PA: Geyer Printing House.

Crayon, Porte. (Strother, David H.) “Our Negro Schools” Harper’s brand new Monthly mag, nyc, NY: Harper and Bros. Volume 49 concern 292 (September, 1874).

Lucas, Daniel B. (1913). “The land where we had been dreaming, as well as other poems of Daniel Bedinger Lucas.” Kent, Charles William, shared ed. Boston MA.: The Gorham Press.

“Sarah Jane Foster: instructor of this Freedman, The Diary and Letters of a Maine girl in the South After the Civil War,” Picton Press: Rockport, ME., 2001, Wayne E. Reilly editor.

Stealey, John E. “The Freedmen’s Bureau in Western Virginia.” West Virginia History 39 (Jan/April 1978): 99-142.

Taylor, James L. “A History of Ebony Education in Jefferson County, West Virginia, 1866-1966.”

Trowbridge, John T. (1866). “The Southern: a trip of the battlefields and ruined locations, a trip through desolated says, and talks using men and women: being a description of this current state associated with the country – its farming – railroads – business and funds.” Hartford, Conn., L. Stebbins.

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Lengthy hair

Have a look at these house loan pictures:

Long hair
home loan
< img alt=" home mortgage" src=" https://www.credit-report-online.net/wp-content/uploads/2017/05/2841897430_fc1600e00d.jpg" size=" 400"/ > Picture by< a href=" http://www.flickr.com/photos/72098626@N00/2841897430" >
Ed Yourdon This was taken on the west side of Broadway on the Upper West Side of Manhattan, between 81st as well as 80th Street– virtually in front of Zabar’s. I had actually been walking along behind this woman for a block or two, wondering if she would turn around so I can take an image of her face. However after that it dawned on me– duh!– that regardless of just how gorgeous she may be, her face could not possibly be as intriguing as her braided hair, which reached virtually to her ankles …

Note: this photo was gotten by Flickr’s Explore list as # 252 on their checklist for Sep 8, 2008.

< a href=" http://www.flickr.com/explore/2008/09/08" > www.flickr.com/explore/2008/09/08 This was released in an Apr

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. Note: on Aug 7, 2009 I submitted a slightly edited version of this picture; I made use of Apple’s “” Aperture” program to remove locations and also cold places, as well as additionally decreased the darkness on the lady’s back and also pants, to much better highlight her lengthy knotted hair. Most individuals most likely won’t discover the distinction– yet because this is (as of Aug 2009) the 3rd most-often viewed image in my Flickr collection, I felt I must make it comparable to feasible …

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Relocating into 2013, the photo was released in an undated (mid-Feb 2013) blog titled ““< a href =" http://www.cutehairstyles.net/braided-hairstyles.html" rel=" nofollow" > Braided Hairstyles.””

. **********************. This becomes part of a developing
photo-project, which will possibly proceed throughout the summer season of 2008, and probably beyond: a random collection of “fascinating “people in a wide stretch of “the Upper West Side of Manhattan– between 72nd Street and 104th Street, specifically along Broadway and Amsterdam Method. I don’t prefer to intrude on individuals’s privacy, so I usually make use of a telephoto lens in order to photograph them while they’re still 50-100 feet away from me; yet that indicates I have to continue concentrating my focus on individuals and also activities half a block away, as opposed to on what’s right in front of me. I’ve also found out that, in a lot of cases, the chances for an interesting picture are really short lived– essentially an issue of a number of secs, prior to the individual (s) in inquiry go on, turn away, or quit doing whatever was fascinating. So I have actually found out to maintain the video camera changed on (which contradicts my standard desire to preserve battery power), and not stress so much about focusing for a perfectly-framed image … nevertheless, when the electronic picture is uploaded to my computer system, it’s very trivial to chop out the parts unrelated to the main topic. Essentially, I’ve intentionally avoided photographing bottoms, drunks, drunks, as well as crazy people. There are a few of them around, as well as they
would definitely create some significant photos; yet they normally don’t intend to be photographed, and also I don’t wish to really feel like I’m capitalizing on them. I’m still searching for possibilities to take some” considerate” images of such individuals, which could inspire others to reach out as well as aid them. We’ll see exactly how it goes … The only various other thing I have actually observed, hence far, is that while there are great deals of interesting people to photograph, there are far, much, much even more individuals who are not so intriguing. They’re most likely fine people

, and they could also be more interesting than the ones I have actually photographed … yet there was simply absolutely nothing memorable regarding them. Charles Picture by James Loesch I fulfilled Charles time earlier on the

Point Pleasent angling anchors. He worked as an industrial fisherman up and also down the eastern coast. He told me he had actually simply returned from 3 night and day of
fishing on
a watercraft he had authorized into and also was to be paid based on the catch. They captured nothing as well as he was paid absolutely nothing. He was remarkably accepting of the scenario as well as
informed me it occurs when and also a while. I’ lent” him some loan, unasked, in order to help with his bus trip residence. I think about him frequently when consuming seafood, and will never complain concerning the rate of anything these men earn for such difficult as well as occasionally
unrewarding work.

Cool Consumer Credit images

Check out these consumer credit images:

Consumer Credit went up 9% in Jan
consumer credit
Image by eric731
On March 7th, the Federal Reserve released its latest preliminary findings of revolving consumer credit, better known as credit card debt. Credit card debt was down for the month of January 2012 by 4.4 percent. Great job, America!

Unfortunately, non-revolving consumer credit went up by a whopping 14.7 percent in January. That means that the amount of auto loans, student loans, and boat loans went up (again).

Therefore, overall consumer credit was up 8.6 percent in January which continued the 2011 trend and starts 2012 with more consumer debt .

For more info on this chart and to understand how our economy is dependent on Americans accepting more interest payments, go to:

www.faithfulfinances.com/HouseholdDebt/HouseholdDebtClock…