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fifteen Unforgettable Inflammed Rugs Appearances of this 2016 MTV Show Rewards

Typically the MTV Show Rewards definitely will environment later today occasion (8/7c), cost a lot we’re seriously stoked to ascertain whatever manoeuvres types Kevin Hart not to mention Dwayne “The Rock” Johnson not to mention performing artists Halsey not to mention Ariana Grande need waiting for you right now, we’ve long been especially delighted to ascertain should Showmanship are able to main examples of the show’s virtually all 2 piece prom dresses famous rugs appearances at this point. We tend to solely was mandated to discover should a professional would definitely take on avant garde in the fatmus not to mention slip on some dragon being garment à chicago Bai Ling through 2015? And / or whether they would definitely have important things hassle-free not to mention smart, prefer Brittany Ground could through their two-tone column garment property? Privileged right now (and also! )#), we tend to don’t will need to hang around to search out out— we’ve gained some sneak glimpse take a look at all the inflammed rugs type you can actually take on. Suggestion: a fave super stars WHOLLY transferred. Check out through your own efforts — typically the data might be virtually all in this case following!

1. Keltie Knight: Might be who Insider co-host Keltie Knight and / or Punky Brewster? Who seriously big pony helps it to be kinda’ very hard to share! Rockin’ a particular Oriental patterened minor finished numerous Victorian transparent charcoal tights, that is the mish-mash associated with garments, to suggest a minimum. (Graphic from Frederick E. Brown/Getty)

Farrah Abraham: Farrah definitely isn’t some celeb, and yet this lady absolutely sure could take a look typically the thing tonite through this gorgeous beaded attire with the help of smart inflammed lips not to mention LLL: rather long drop wild hair. (Graphic from Frederick E. Browning)

Halsey: Typically the artist turned up specify that you’re performing through babe blue heated pants, some sequined seashell bra not to mention match finder system overcoat. (Graphic from Christopher Polk)

Battie Winkle: Any time you didn’t discover Digg sexual enjoyment Battie Winkle’s designate previously tonite, you certainly will subsequent to having their through this heated blue sequin swimsuit with the help of console boots. *Casually* putting in some borrowed pelt and then a inflammed associate in the combin, she’s literally unforgettable. (Graphic from Frederick E. Brown/Getty)

Kat Graham: Actress Kat Graham moved the warmth through this slinky lingerie-like phone number with the help of lace-up showing through fetching pink blue shade long prom dresses, complimented from their lighter-than-usual wild hair. (Graphic from Frederick E. Brown/Getty).

2015 Kennedy Target Influences Current information, Shots, together with Films

Gina Rodriguez Calls for Prom Shot utilizing Hamilton’s Lin-Manuel Miranda For Kennedy Target Influences!

Gina Rodriguez is certainly imagine wonderful over the pink gym floor despite the fact that enrolled in any 2015 Kennedy Target Influences Gala put on within the Kennedy Target to your Conducting Arts regarding Tuesday (December 6) during Houston, Ve had. J 2 piece prom dresses.

Any 31-year-old Alice Any Virgin super star is at attendance that will help memorialize honorees Carole Ruler, George Lucas, Rita Moreno, Seiji Ozawa together with Cicely Tyson.

SNAP SHOTS: See the current fakes for Gina Rodriguez

Within the party, Gina connected with away utilizing Hamilton super star Lin-Manuel Miranda for that awesome attractive shot op – Find out about it down the page!

“The prom shot That i for no reason have utilizing my sister with one other @Lin_Manuel #KennedyCenterHonors, ” Gina tweeted.

Miranda Lambert together with Sara Bareilles attack a good posture over the pink gym floor despite the fact that enrolled in any 2015 Kennedy Target Influences Gala put on within the Kennedy Target to your Conducting Arts regarding Tuesday (December 6) during Houston, Ve had. J.

The two main entertainers were definitely become a member by just Director Obama princess formal dresses australia, Earliest Young lady Michelle Obama, Janelle Monae, Usher, Carole Ruler, Martin Scorsese, Aretha Franklin together with Clive Davis within the star-studded gathering.

“So relieved of having happen to be a natural part of a good overnight celebrating talent. Kennedy Target Influences …thanks meant for experiencing my family!, ” Miranda captioned utilizing your girlfriend Instagram place. “And owing to my best impressive glam squad.

Wishesbridal Web shop Showcased Newest Collection of Prom Assortment regarding 2015 Holiday

Wishesbridal Web shop, an experienced e-store which includes designed a niche regarding alone inside stylish garments industry phase, not too long ago showcased their particular newest collection of 2 piece prom dresses. The particular masters with the retailer explained the not too long ago introduced attire are created remember the particular merry time of year in advance. They will mentioned in which since revenue shoot up just before and also in the course of Holiday, they’ve got made a decision to meet the increasing requirement regarding stylish females with all the special event apparels with this extremely specific sort, which can be popularly referenced since Prom outfit. The particular masters furthermore extra the enormous special discounts will probably be available on seashore designer wedding dresses commencing early on next month.

The particular masters regarding Wishesbridal Web shop furthermore advised the particular media in which consumers can easily acquire large special discounts about prom attire and also these kinds of presents will probably be appropriate right up until Holiday in 2010. They will mentioned in which consumers will get around 80% about special discounts about Prom attire. Any time questioned in regards to the present presents about sweet long formal dresses australia, designer wedding dresses, as well as other forms of special event attire, they will mentioned in which consumers can easily no less than assume special discounts upwards of 40% on most prom attire. “Except several extremely specific and also custom-designed attire, a lot of the novel idea garments things have large lower price seat tickets, ” mentioned a single revenue specialist regarding Wonder Retailer Web shop.

The particular TOP DOG with the Altlanta ga, GA centered web store not too long ago produced a quick physical appearance ahead of the media here in Georgia. “We started off somewhat humbly back 2010 and in the end, we’ve extra several special event attire to our merchandise array. The newest collection of Prom attire will be particularly developed remember the particular improving requirement during these merry weeks. ”

“Whether we have been developing younger prom attire or perhaps any forms of special event attire, we all always keep in mind the newest trend styles. Our own developed attire are usually immediately motivated from your fantastic models exhibited with trend activities around the globe, ” the particular TOP DOG extra. This individual furthermore suggested in which Wishesbridal Web shop may well shortly inaugurate the brick and mortar shop anywhere inside Altlanta ga Metropolis. “We have got ideas to be able to available our own brick-and-mortar retailer at some time subsequent yr, even though practically nothing continues to be finalized but, ” the particular TOP DOG agreed upon away from.

prom attire 2015: See 45 images regarding newest types accessible in 2010

Will need prom outfit ideas? Trying to find the newest types for your prom time of year? Take a peek by means of this kind of gallery regarding elegant outfit tips

For a few 2 piece prom dresses treatments commence extended, before the particular gowns struck the particular side rails.

Extended and also modern or perhaps total and also floaty – teen women around Teesside are usually positive chances are undertake a company thought at heart of these fantasy outfit.

The following Middlesbrough’s Lives Bridal, Prom and also Eveningwear provides exhibited the countless models it’s got being offered for your summer season prom time of year.

Ellen McNulty provides held the particular Newport Path purchase several decades.

“This yr they may be nonetheless getting motivated simply by wide lace and lots of have got large necks, ” the particular 49-year-old mentioned.

“The type provides result from the wedding ceremony market and also directly into Two Piece Pink Lace Trumpet Mermaid Prom Dress. ”

Ellen claims the women are already browsing the particular retailer for a little bit inside desire regarding obtaining their particular fantasy outfit.

The lady mentioned: “They are already being released given that a year ago!

“However I’d point out the bulk of women arrive at us all among January and also Apr. ”

The dress go shopping operator claims it’s an experience the women take pleasure in.

“It can be an knowledge for the kids – a fantastic a single, ” extra Ellen.

“I imagine it’s somewhat being a wedding party! ”

The particular quite models are already modelled simply by women coming from around Teesside which includes Abigail Bryan, 19, Jade Cracknell, of sixteen. Kerry Dicken, 15, Scarlett Lancaster, 15, Esme McGhee, of sixteen and also Ruby-Mae McGhee, 17.

The particular attire array inside value among about ￡300 and also ￡450.

Make-up will be simply by attractiveness physical therapist Georgina P, that is centered inside of Lives.

Taylor Swift’s Flower Romper: STORE The woman’s Search for $75

Taylor Quick had been brutal within florals, rocking among the most popular silhouettes associated with summer time, the romper! The actual celebrity welcomed enthusiasts backstage from the woman’s Indonesia display exactly where your woman demonstrated away the woman’s stellar design — and you will STORE the woman’s precise appear the following.
Even if your woman isn’t strutting the woman’s things upon phase, all of us can’t consider the eye from Taylor Quick, twenty five, as well as the woman’s stellar design options. Actually, among the favorite areas of a brand new visit implies that she’s sure to exhibit away the lot associated with appears whilst dangling along with the woman’s enthusiasts — as well as that’s precisely what your woman do within Perfume, Indonesia upon 06 20 throughout the Attic ’89 fulfill as well as welcome! The actual celebrity ongoing the woman’s trendy jet-setting methods, revealing among the most popular appears from the summer time — the romper!

The long-sleeved romper is a good locate a glam two piece prom dresses — as well as I really like the way in which Taylor demonstrated from the silhouette. Certain, the crochet design or even light-weight, imprinted get-up is ideal for throughout the day, however with regards to rocking the actual locate a much more type event all of us suggest picking out a much more customized, sleek silhouette.

Taylor additional the woman’s personal womanly pazazz towards the appear because of the actual vibrant flower design whilst additionally flaunting the woman’s limitless thighs within the brief silhouette, partnering this along with Jimmy Choo flip flops which additional elongated the woman’s hooks. Not just do the woman’s appear appear therefore luxe, however the best benefit concerning the ensemble is actually the high cost — you are able to STORE the woman’s Resort Molly Lengthy Sleeve Playsuit RIGHT HERE with regard to $75.

Regardless of whether you’re venturing out along with buddies or even preparing for any warm day, the long-sleeved romper is an excellent option — which is an excellent option to the 2 item prom gown. Actually, all of us actually adore the thought of rocking the 2 item prom gown romper to some celebration — this will stick out inside a ocean associated with drink Two Piece Long Yellow Chiffon A Line Prom Evening Dress, (simply make certain the actual hemline is suitable as well as complementing).

Whilst Taylor’s romper screamed summer time, it might additionally appear just like great arrive winter season — just about all you need to do is actually include leggings as well as you’re all set.

Exactly what do you consider associated with Taylor’s most recent appear?

Taylor Swift’s Flower Romper: PURCHASE Your girlfriend Consider $75

Taylor Hasty was initially competitive during florals, rocking amongst famous silhouettes for warmer summer months, a good romper! Any super star welcome devotees backstage for your girlfriend Denmark clearly show the place your sweetheart highlighted out your girlfriend stellar layout — professionals who log in PURCHASE your girlfriend accurate appearance at this point.
Two Piece Illusion Short Green Homecoming Dress Css0045

When your sweetheart isn’t strutting your girlfriend equipment regarding place, people can’t require some of our vision off of Taylor Hasty, 24, together with your girlfriend stellar layout opportunities. In actual fact, amongst some of our favourite components of an innovative vacation is the reason why she’s always going to signify out a good long line for appearance despite the fact that suspending utilizing your girlfriend devotees — together with that’s what your sweetheart managed during Cologne, Denmark regarding June 20 through Loft area ’89 encounter together with greet! Any super star went on your girlfriend cool jet-setting strategies, revealing amongst famous appearance within the warmer summer months — a good romper!

A good long-sleeved romper a great discover a glam two piece prom dresses — together with I’m a sucker for the manner in which Taylor highlighted up from the silhouette. Certainly, a good crochet layout or simply compact, printed out get-up is fun for each day, however , relating to rocking any discover a even more mode affair people endorse choosing that even more tailor-made, sleek silhouette.

Taylor put in your girlfriend personal bank gynaecoid appear into the appearance owing to any amazing flower layout despite the fact that at the same time flaunting your girlfriend infinite limbs during the simple silhouette, pairing it all utilizing Jimmy Choo sandals resorts the fact that deeper elongated your girlfriend pins. Don’t just managed your girlfriend appearance appear to be which means that luxe, however best part with regards to the dress is certainly the price tag — you could PURCHASE your girlfriend Lodge Molly Longer Sleeve Playsuit AT THIS POINT meant for $75.

Irrespective of whether you’re heading out utilizing mates or simply able to get ready for that incredibly hot go out with, a good long-sleeved romper is a nice solution — as well as being a good different than a good several article prom dress up. In actual fact, people quite possibly really enjoy is a superb rocking a good several article prom dress up romper towards a occasion — it all is bound to be prominent from a coast for alcoholic drink Two Piece Long Yellow Chiffon A Line Prom Evening Dress, (basically make sure that any hemline is appropriate together with perfect).

Despite the fact that Taylor’s romper screamed warmer summer months, it may well at the same time appearance quite as superior are provided cold months — most of you need to do is certainly add more tights together with you’re at the ready.

What precisely do you consider for Taylor’s current appearance?

Cornerstone may make prom possible for vicinity young women

Out of a first time, the woman thought of micro visiting prom dressed in your turquoise 2 piece prom dresses this covered through a person arm and after that ran elegantly to your floors inside of a light combine with chiffon.

Nonetheless the following twelfth grade youngster at this moment finds out micro unsettled plus basically your Montgomery District children protect. This lady has virtually no capital to pay for any specific apparel plus the girl’s vital ceremony with line is probably on a monthly basis at a distance.
Two Piece Black Illusion Sweep Train Satin Trumpet Mermaid Prom Dress Cnm0169

A 17-year-old, in whose term is withheld, revealed this the girl’s mummy empty the girl’s for your beau. The girl’s mother, who seem to had through when caretaker, do not prefers the girl’s; plus the girl’s biological father, who seem to just simply became outside imprisonment, would not gain the girl’s telephone calls. By using this upheaval, a young adults suggests she would displaced all of anticipation with visiting prom.

Yet not more. Nancy concerning 1, 100 Houston-area youngsters this assumed people have to miss out on its prom the following originate for the reason that would not spend the money for overpriced costume, nonetheless similar to while in the Cinderella mythic quite a few real-life fairy godmothers with the Allowing Costume Cornerstone came to your attempt.

Less than this promotion, each one female might be sent to your “fairy godmother” so that you can offer when the girl’s very own client when along people search through shelf packed with above 5, 000 tennis ball dresses in every single measurements, colouring plus design and style that you think, suggests a foundation’s co-director, Originate resident in town Cassie Burns. Numerous dresses will be innovative and still currently have tags as they quite simply ended up being donated by way of vicinity knick nacks whilst some will be creator dresses who were donated just after remaining worn out one time plus flushed, Burns reported.

A youngsters can pick a selection of glimmering extras out of boots and shoes so that you can accessories plus shawls. Each one is also approved a variety of travelling bag packed with habits plus beauty items and after that addressed to the distinctive the afternoon meal plus speaker phone who seem to speaks about self worth,

“Our ‘Fairy Godmother’ volunteers shell out built easy young women. We really wish for each of them so that you can come to feel attractive plus treasured. Most people as well really want the theifs to realise that serious natural beauty hails from the medial, inches Burns reported. “I obtained an example of all of our princesses convey to people in 2009 this noone ended up being this awesome so that you can the girl’s in advance of. inches

A outreach started off by using only one one hundred dollars young women around 2007 and has now considering increased eight times. 2010 people will be from when a long way southern area when Gulf Urban center design a long way north when Conroe, coordinators express.

“We currently have young women out of 5 several institutions recorded, inches reported Originate resident in town Leigh Ann Distinct, other co-director.

Every female who will be your person and also youngster might apply for so that you can get involved in this method over the internet web-site, givinggown. org. Each one is definitely in that case sent to your 2-hour video slot machine that they are addressed similar to a princess along at the boutique which is put in place August 10-11 in the young adults religious direct attention to Cypress Creek Parkway.

“This is a initially twelve months that him and i has above a pair of unsettled young women approaching, inches Burns reported. “We offer young women out of an array of background scenes. Quite a few currently have either dad and mom, nonetheless they really are attempting plus aren’t able to save nearly anything excess to get prom. Oftentimes your biological father just simply displaced a task, and also anyone deceased. There are actually an array of cases. inches

Burns suggests your women’s set of clothing like extras averages pertaining to $974, which may decide to put a large damage inside of a family’s wallet.

Discovering that fantastic Two Pieces Fuchsia Scoop Floor Length Lace Trumpet Mermaid Prom Evening Dress las vegas bankruptcy lawyer relatives is definitely on a financial basis buckled is immortalized while in the timeless flick, “Pretty around Light red. inches While in the flick, celebrity Molly Ringwald is required to apply all of the girl’s original acumen to set-up the girl’s costume by way of decreasing right up plus puting in order a strong out of date a bed that the girl’s biological father discovered at your thrift save.

Nonetheless around this occurrence, a dresses will be when extravagant plus up-to-date when every that is determined, vicinity education expert express.

“Prom has become the most important incidents on the women’s twelfth grade practical experience. Them status just under a marriage, inches reported Portia Oliphant, your coach during Originate ISD’s Westfield Twelfth grade, who’ll often be driving not one but two busloads in excess of 50 young women to your occurrence. “We’ve utilized young women the very last 2 years. It is really just about similar to a trip to your hot tub, the direction they meet the needs of girls. Quite a few ended up being pleasantly surprised, at the beginning, this any one would probably impart them with an absolutely free apparel. People weren’t able to believe that them. Assumed now there needed to be your pick up. inches

Distinct reported a outfits are available shapes 0 so that you can 35 including a seamstress is obtainable to get improvements.

“Everybody departs which includes a apparel how they for instance, inches the woman reported. “I try to remember a person female came out buying special green costume by using sequins plus determined them. The woman mailed united states snap shots next. The woman checked attractive plus appeared to be a kind of voted when duchess. inches

Sara Bracken, ceo by using Montgomery District Children Expert services, reported furnishing the following chance for unsettled youngsters is particularly vital. “These young people are sometimes set during animal shelters to get next to nothing that they’ve i believe executed. Normally they are over used and also missed and also oftentimes they really are runaways. It is good to change its practical experience regularly. All of young women prefer to enable and show off fine to get its wild hair executed to get prom, inches your dog reported.

Your youngster during an example of her animal shelters, who was pulled from the girl’s dwelling, is definitely longing for finding the girl’s costume. “I’m not likely feminine. Nonetheless There’s no doubt that I’d prefer long, instantly purple dress” the woman reported. “Everyone is definitely preaching about them during education, plus I want to wind up as any common female. inches

Other youngster along at the protect, who was empty by way of the girl’s close family, concluded: “I assume prom 2010 might be probably the greatest days to weeks this I ever endured. inches.

2 Item Prom Gowns

Simply by going through the web site all of us believe you can easily rapidly recognize exactly what this particular many years most popular design is actually. Are you able to have a speculate
of what design we’re referring to? It’s both Item Prom Gown! This particular creative designers this season introduced range towards the 2 Item Prom Gown such as we now have in no way observed prior to. Selecting an ideal design with regard to prom could be difficult because you will find a lot of stunning designs to select from. The truly amazing a part of selecting a 2 item gown is actually which a number of them provide you with 2 spectacular designs in a single! That doesn’t adore which?! Listed here are 2 distinctive designs that people believe you’ll adore.
Sheer Back Short Blue Tulle A Line Prom Homecoming Dress Cwb0183

Adore the shape fitted type of the mermaid gown but additionally would like which edgy 2 item appear?
Rachel Allen 6870 is simply which design! This particular Rachel Allan gown includes a beautiful plants best with a halter neckline
that’s completely decorated along with a number of beautiful metallic bead function. The shape fitted taffeta dress includes a beaded
waistband in order to enhance the very best. The actual fashionable plants best enables you to keep the enjoyable as well as edgy design as the
fashionable cuddling mermaid design dress provides this particular gown an ideal contact associated with style. This particular gown is really a design you don’t
wish to pass by. Choosing this particular gown for the prom is definitely an apparent option 2 piece prom dresses, the only real difficult choice is going to be determining
of what colour to visit along with because this particular gown is available in 4 incredible colours; Gunmetal, Red-colored, Noble, as well as White/Gold.

Right now this is a design all of us believed might in no way occur, however it do, as well as all of us think it’s great! Check out Vizcaya design 89026
simply because all of us believe you’ll think it’s great as well! Attempting to opt for the actual beautiful appear of the fantastic golf ball dress however adore the actual
fashionable 2 item appear? Nicely this particular gown is really a 2 item golf ball dress! Exactly how incredible is actually which? The actual stunning plants
best functions a good false impression neckline made from ribbons materials as well as decorated along with sparkling iridescent beans.
The entire dress is definitely an complete display stopper since it is constructed of ruffled tulle materials embellished along with dispersed sequin
as well as areas associated with applique. This particular golf ball dress is available in the actual colours Aqua, A bottle of champagne, Barrier, as well as Whitened. You’ll be the actual
Bell from the golf ball with this many years older prom is actually this particular beautiful Vizcaya golf ball dress.


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Italian Banking Crisis Turns into Mission Impossible

Even supposedly good debt on banks’ books may end up putrefying.

By Don Quijones, Spain & Mexico, editor at WOLF STREET.

This week the world’s oldest surviving bank, Monte dei Paschi di Siena, tried to give itself a new lease of life by bringing in fresh blood at the top, following revelations that the Italian lender’s chief executive, Fabrizio Viola, and former chairman, Alessandro Profumo, are under investigation for alleged false accounting and market manipulation.

But the change of guard did nothing to improve market sentiment or performance. By Friday MPS shares had sunk to their lowest point ever — just 21 precarious cents above zero — and, once again, they had to be halted by Italy’s FTSE MIB.

MPS’s new boss Mario Morelli (formerly of Bank of America-Merryl Lynch, Unicredit and Intesa), faces an insurmountable challenge trying to steady the leaking ship. MPS must raise up to €5 billion as part of an emergency rescue plan to stave off the risk of being bailed in, and consequently wound down or chopped up into little pieces and gobbled up by its rivals.

Given that it would be the bank’s third cash call in as many years, investors are understandably reticent to pour yet more funds into the bottomless pit, Reuters reports:

(The bank’s) 45-billion-euro mountain of bad loans is deterring investors from backing it in its third recapitalization in as many years, according to four leading European fund managers and the investment banking source with knowledge of the matter.

Since the private sector-backed rescue blueprint was announced in late July, hundreds of investors had been sounded out about buying stock but interest has been lukewarm, said the source.

This could be bad news, given that for MPS’ latest rescue plan to have any chance of working, both parts of the plan — Part A and Part B — must succeed.

Part A consists of a €28 billion bad-loan sale for which JP Morgan Chase, Citi and Italian investment bank Mediobanca are already assembling a bridge loan, in return for very handsome fees. Atlante, Italy’s deeply opaque, Luxembourg-based bank rescue fund, has reportedly agreed to buy the so-called mezzanine tranche in Monte dei Paschi’s bad loan securitization.

Apparently demand for heavily discounted, slowly-decomposing bank debt in Italy is high, which is great news considering Italy is purportedly home to roughly a third of all of the bad debt at EU banks. In a perfect sign of our yield-starved times, last week saw around 250 global investors converge on Venice to attend Banca Ifi s SpA’s “Non-performing Loan” conference. That’s twice as many as last year, reports Bloomberg.

In other words, Part A of the rescue plan seems to be coming along nicely — as long as no one asks who will make up the difference between the book value of the bank’s toxic assets and the discount value at which they’re now being sold.

As for Part B of the Plan — MPS’ €5 billion cash call scheduled for the end of this year — it’s going nowhere fast. Twice-bitten, thrice-shy investors are no longer buying the hype. Gennaro Pucci, chief investment officer at London-based investor PVE Capital, said that even if a significant proportion of MPS’ bad loans were “spun off into a special vehicle,” he would not buy more MPS shares out of fear that the bank could suffer further losses from the remaining soured debt.

This is a serious problem in today’s Italy: as long as the economy continues to stagnate, much of the supposedly good debt currently on the banks’ books will also, sooner or later, end up putrefying. It’s already happened to Banca Popolare di Vicenza, a regional lender that was rescued from bankruptcy late last year by the Atlante fund, but which is already in need of fresh funds.

So, too, is Italy’s biggest and only global systemically important financial institution, Unicredit, which has a staggering €80 billion in bad debt on its balance sheets — more than any other European bank. While the downfall of MPS would be enough to cause serious damage to Italy’s already fragile financial system, the collapse of Unicredit, which has vast, sprawling operations across Germany and Eastern Europe, would threaten the stability of the entire Eurozone.

Hence, Unicredit’s frantic efforts to clean up its books. According to The Wall Street Journal, in the coming months Italy’s largest bank plans to fatten its capital cushion by at least €8 billion. It’s also contemplating unloading, in one fell swoop, as much as €20 billion of its bad loans.

But with so much bad debt being offloaded at the same time, who’s going to buy it all? Top candidates: the Italian government and/or the ECB. But that is currently out of the question.

New EU regulations make it almost impossible for Eurozone governments to bail out domestic banks — at least not until the banks’ creditors, including uninsured depositors (those with over €100,000 in their accounts) and bondholders, have been forced to bear some of the burden, as should happen in any business restructuring or bankruptcy.

The problem here is that as much as 40% of Italy’s bank bonds are held by retail investors — many of whom are traditional voters of the governing political party. There’s also the risk that a bail-in of one institution could very quickly evolve into a bank-run on all of them. And that would not only spell the end of Prime Minister Matteo Renzi’s term in office; it would cement the rise of the anti-austerity, anti-euro Five Star Movement.

In the face of such risks and constraints, Italy faces an impossible mission in trying to stabilize its financial sector. With anti-European sentiment on the rise in Germany and the nationalist Alternative for Germany party breathing down her neck, Merkel is determined not to give an inch on the issue of an Italian bailout — at least not until after Germany’s federal elections, scheduled for October next year. Judging by the current state of play, that will almost certainly be too late.

In fact, the only thing that might save Italian banks from their current predicament is if Germany’s own too-big-to-fail monstrosity, Deutsche Bank, were to be bailed out first. The way things currently stand, that’s not out of the question. By Don Quijones, Raging Bull-Shit.

Things could get very ugly, very fast, if those bank bonds collapse. Read…  Goldman Sachs Just Launched Project Fear in Italy

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  29 comments for “Italian Banking Crisis Turns into Mission Impossible

  1. MC
    Sep 18, 2016 at 2:14 am

    I have to give credit to Mr Q for his choice of words: “Deeply opaque” is a very apt definition for Atlante, the shady Italian rescue fund.
    According to the fund’s own press release it was “created by a private society, Quaestio SGR” but “its creation was promoted by the Italian government”. Given the track record of such enterprises worldwide one may be excused for having to repress the word “cronyism”.
    There’s also the question of why, if Atlante was “promoted by the Italian government” with taylor-made rules, the fund is Luxembourg-based.
    Finally there’s the issue of funding. While it has been often said Atlante would “soon” have access to over €5 billion in funding, the situation is nowhere near as rosy.
    Unicredit and Intesa San Paolo both pledged €500 million. Cassa Depositi e Prestiti (CDP for short), another opaque (but wholly State-owned) financial institution, pledged another €500 million. Finally a gaggle of minor banks pledged a further €500 million. This means that if everybody has already paid the money pledged Atlante only has €2 billion available of which about one is already earmarked for the “recapitalization” (read: bailout) of Popolare di Vicenza.
    How Atlante expects to more than double the funds available, and fast, remains part of the mystery.
    But the mystery deepens.

    There’s a second Atlante fund, imaginatively called Atlante 2 (A2 henceforth to avoid confusion), whose sole purpose is to buy bad debt from MPS and Veneto Banca.
    It’s this A2 fund which is supposed to drive up demand for bad debt in Italy. But things get truly truly interesting when one sees how this fund is supposed to be funded.
    So far it has gathered €1.75 billion and a breakdown of the main investors makes for very interesting read: Unicredit and Intesa San Paolo contributed €150 million each. Insurance company Generali contributed a further €200 million. But, here’s the juicy bit, the Italian government has so far been the most enthusiastic investor: it contributed €200 million through the Posts, €250 million through the aforementioned CDP and a massive €450 million through SGA, another wholly State-owned institution. This means out of the €1750 million A2 has so far gathered, €900 originate from the “usual suspects” (read: taxpayers).

    One can be forgiven for thinking the Italian government is bailing out these banks in not very subtle faction, but the EU has already ruled this transfer of public funds does not constitute State aids. I am sure Apple’s lawyers are taking notice of this as their customer was blasted for being far less brazen.

    One problem that needs to be understood is the only reason Italy has a stagnant (or to be more precise, slowly contracting) economy and is not spiralling into a long-delayed recession is asset inflation, in the specific housing.
    Italy has desperate need of old fashioned liquidation in the housing market but this is not allowed to happen. A good part of the reason is the collaterals propping up that mountain of rapidly decomposing debt are overwhelmingly composed of housing: should prices readjust, collateral value would plummet overnight and then MPS would look like a well capitalized, solid bank.
    To this it must be added there’s widespread suspicion about collateral quality. It’s one thing to post as collateral a newly renovated flat in the most fashionable part of Milan and quite another to post an abandoned furniture factory. Banks have routinely been caught magically transforming low value, low quality collaterals into high quality ones. So far nothing more than fines have been slapped, fines the banks did not resist, hinting they don’t want to draw too much attention. Should the practice be found to be not merely widespread but commonplace…

    • Richard of UK
      Sep 18, 2016 at 2:34 am

      Really appreciated your elaboration on the meaning of opaque. It greatly added to an already interesting article.

    • Bob Rock
      Sep 18, 2016 at 2:41 am

    • Tinky
      Sep 18, 2016 at 8:40 am

      Excellent follow-up. Thank you.

    • Sep 18, 2016 at 8:43 am

      Great explanation. Thanks.

      • barefoot charley
        Sep 19, 2016 at 11:10 am

        Here’s my caboose to the congratulations train, I’m very grateful for all this clarity. Don Quijones is no journalist, he’s valuable!

  2. Dan Romig
    Sep 18, 2016 at 5:52 am

    Great quote: “Apparently demand for heavily discounted, slowly-decomposing bank debt in Italy is high, …”

    In the Ag business manure has value as fertilizer to be tilled into the soil after harvest as it does contain nitrogen, phosphorus and potassium. I did not know that there was a market for buckets of shi# from Italian banks though!

    • polecat
      Sep 18, 2016 at 2:40 pm

      Problem is .. those Italian bank ‘buckets of shi#’ are waaaaaay lacking in micro nutrients ….. to be of any value ! ;’)

      • polecat
        Sep 18, 2016 at 2:44 pm

        Too much NPK (unrestrained credit) will ultimately burn-out, and kill the host planet …er …I mean plant ….

  3. Sep 18, 2016 at 7:20 am

    The bankruptcy of CreditAnstalt in Austria (1931) was the proximate cause of the collapse of the house of cards that was international finance built in the 1920s, which triggered the “Great Depression” (and WWII).

    The bankruptcy of Lehman Brothers (2008) was the proximate cause of the collapse of the house of cards that was international finance in 2008, which triggered the “Great Recession.”

    Will the bankruptcy of Monte dei Paschi di Siena be the proximate cause of the collapse of the current financial “house of cards” precipitating another “Great Depression,” (or possibly revolution)?

    As Einstein is said to have observed “insanity is repeating the same actions and expecting a different outcome.” What will it take for the human race (or its “leadership”) to learn to avoid these repeated economic implosions, collapses, and fiascoes.

    • kevin williams
      Sep 18, 2016 at 8:42 am

      ” What will it take for the human race (or its “leadership”) to learn to avoid these repeated economic implosions, collapses, and fiascoes”

      Short answer: It will take the complete dismantling of the social construct whereby some (human) “leader” whether democratically elected, royally inherited, by decree or otherwise, makes decisions on behalf of the rest of the plebiscites.

      Long answer: Human nature being such that self-interest always comes first, any supposed “leader” will make choices that are firstly for his and his close kin’s benefit, whether holding onto power, keeping the status quo, maintaining vested interests etc., while the people can go screw themselves. As long as you have the plebiscites looking up their “leaders” for economic direction and planning, this eternal cycle of boom from productivity growth, consolidation of economic benefits for the few at the expense of the rest, mis-management and abuse by law, by fiat, by devaluation, by hidden taxation etc., eventually leading to economic bust, then pushing the blame to someone or something, leading to wars with millions killed, which then clears a large portion of the debts / liabilities in one fell swoop (because your debts are void if your debt-collectors are all dead ;) and hence the balance sheet is reset once again. Then rinse, wash repeat. Its that simple. Really.

      Therefore, your human race will NEVER learn, as long as human nature is such. The alternative of deconstructing the social hierarchy will be too drastic for anyone to accept. People have tried communism and it failed, and true democracy of having the government by, for and of the people have now been twisted so far off kilter into just a false democracy of just one meaningless vote every couple of years, with the elected representative yodeling to and charming voters during election seasons, but once elected, hardly bothered with the concerns of the man-in-the-street during the intervening years.

      Fundamentally, all the idealistic -isms whether they be socialism or capitalism goes back to grassroots movements whereby the People makes economic decisions for themselves at the local levels, NOT by some big, faceless, organization out in blue yonder. Any attempt to consolidate decision-making at the top of the pyramid implies a pyramid, and in a pyramid, the vast majority of the people INEVITABLY gets crushed near the bottom, in order to support the entire lofty façade.

      • Sep 18, 2016 at 1:59 pm

        Yet our “leadership” has somehow been able to enact public health legislation such as pure food & drug laws, sanitation (sewer & garbage) laws, immunization/vaccination laws, quarantine regulations, etc. which have largely made the plagues and epidemics, such as the “black death” and pandemic “white death” (tuberculosis/consumption) things of the past.

        There appears to be no plausible reason that similar results could not be attained in economics/finance through the use of analogous epidemiological studies (e. g. Econometrics and Behavioral Economics) and appropriate [enforced] regulation/monitoring.

      • ML
        Sep 19, 2016 at 1:45 am

        Amongst my favourite quotes is: it will be interesting to see how long they will be allowed to keep it when the meek inherit the earth.

        People making decisions for themselves is not the solution. A decision is symptomatic of being lost. Ideally people should find themselves and then take it from there. Things will naturally follow. Most of human society’s problems stem from trying to impose the artificiality of human law and order on our natural state. That creates a conflict of interest.

        • Sound of the Suburbs
          Sep 19, 2016 at 3:52 am

          How do you run a company when everyone just does what they wants.?

          Your ideal is how the human race started off before they started to congregate in small settlements.

          Even in small settlements it doesn’t want to work if everyone wants to do the same thing, someone always has to do the bad jobs that no one wants to do.

    • Bam_Man
      Sep 18, 2016 at 9:37 am

      In a striking instance of history “rhyming”, CreditAnstaldt’s surviving entity is now a subsidiary of none other than UniCredit.

  4. Jo Lis
    Sep 18, 2016 at 8:57 am

    Compare the above article with one just published by George Friedman.

  5. Islander
    Sep 18, 2016 at 10:03 am

    My family has long standing friendships with folks in northern Italy, and they have been deeply worried about their savings in the Italian banking system for years now. However, so far they have not started to pull their money out of the country in any big way (I think). The disincentives are too high!

    I wonder what’ll happen if fear for capital preservation trumps fear of fees and taxes. Will it be a China like outflow, or more of a bank run? Can we even still have bank runs when cash is limited? What would take its place?

    I always thought watching a ‘slow motion train wreck’ would be exciting on some level, but observing Europes misadventures is simply depressing.

  6. Petunia
    Sep 18, 2016 at 10:26 am

    I guess distance clears the mind, it is obvious that the EU is not working. Like Britain, Italy needs to bow out of the EU and use I-exit as the excuse to reset the banking system.

    All these bad loans are a result of a structural default. People/institutions are borrowing as much as possible in anticipation of the eventual outcome, real default. They are using the proceeds of the last loan to pay off the previous one. They don’t care about the debt levels because they all already know they are in the twilight zone. It doesn’t matter and they don’t care anymore.

    They cannot fix this without acknowledging the worthlessness of the debt. There is not enough collateral anywhere to fill this hole.

    • nick kelly
      Sep 19, 2016 at 12:32 am

      I agree to this extent- Italy leaving the EU and the euro and Germany’s partly explicit and partly implicit backing, would cause such a tremendous crash that this uncompetitive, bureaucrat- ridden economy might have no choice but to undergo fundamental reform.
      One way to lose weight is a concentration camp.

      Sergio Marchioni head of Fiat- Chrysler has threatened to pull Fiat out of Italy unless ‘it can develop labor practices more resembling those in the rest of the developed world’
      It would have to go back to the lira, which would not only not be a reserve currency, it would maybe need EU backing to even be convertible. I.e- there might be such a loss of confidence after such a
      move that the lira would cease to be money outside Italy.

      During Greece’s famous referendum bluff, with the EU saying ‘call’ international aid agencies had to scramble to line up essential drugs
      like insulin, which Greece could not have purchased.
      Some agreed to take IOU’s
      Swiss giant CIBA: ‘cash’

      No Italian real estate would be priced in lira, pre-Euro it was all in US$, then in euros, now back to one of them. Anything but lira.

      A stand- alone Italy would be looking, at a guess, of interest rates of 7.5 % to finance its debt. ( I’m taking that out of my…hat because that’s what Argentina had to pay- but it has nowhere near the debt of Italy)
      Since under the EU umbrella, it is now paying less than 2%, its debt service would at least triple.
      Being unable to finance its government spending- super austerity, also known as reality, could no longer be avoided.
      In the bite-the-bullet scenario this is all to the good, because it forces change- but with a huge Communist influence in the bloated public sector you might also get a civil war.
      (In case anyone thinks I’m a McCarthy type re: Communists- in Italy that’s what they call themselves)

      There is no comparison between Brexit and Italy leaving the euro.
      The UK has its own currency, still a reserve currency, (I know some Americans won’t believe that) a more flexible economy and a banking system with issues, but not the insolvency of Italy’s.

      • Petunia
        Sep 19, 2016 at 10:01 am

        While I agree that an I-exit would prompt the EU to act worse than the Mafia, the world of bank is changing rapidly. I disagree that the EU has more credibility than a new Lira might have. Italy can join that other clearing system and orient themselves east instead of west. The west buys most things from the east anyway.

        Global changes are coming, yesterday I watched a bunch of central banker flunkies on Cspan, advocating for the repeal of Dodd Frank because it restricts them from bailing out non bank entities without congressional approval. You can smell the next crisis coming while watching the segment.

  7. Sound of the Suburbs
    Sep 18, 2016 at 12:28 pm

    Why are Club-Med banks in trouble?

    I suppose we should start by looking at the bleedin’ obvious.

    The EU technocrat’s intellectual superiority means they tend to over-look things that are bleedin’ obvious to lesser beings.

    When you impose austerity it leaves people lower down the scale with less money and because they have less money they are no longer able to make their loan repayments leading to NPLs.

    Those lower down the scale have less money to purchase goods and services, leading to problems with the companies they used to buy goods and services from. These companies then have less money and are no longer able to make their loan repayments.

    These companies in turn bought their goods from other companies, leading to problems with these companies they used to buy goods from. These companies then have less money and are no longer able to make their loan repayments.

    The banking systems of all Club-med nations are in trouble.

    EU technocrats can you work out what you have done to cause the problem?

    The IMF and World Bank have been destroying economies for 50 years with austerity.

    It has left a trail of wreckage through South America, Africa, Asia, Eastern Europe and has now arrived in Western Europe.

    No one told the EU technocrats.

    • nick kelly
      Sep 19, 2016 at 3:49 pm

      The IMF is a lender of LAST resort, it is reluctantly called upon when a country can’t borrow money from anyone else. In 1974 when the UK had to go, having been turned down by West Germany, it was shocked that there would be conditions- it had to cancel some social spending and sell part of BP oil.
      If you don’t want to go to the IMF, the alternative is simple: don’t go broke.
      The World Bank makes very soft loans to basket cases that the IMF won’t touch.
      The alternative to it is a money tree.

      • Sound of the Suburbs
        Sep 20, 2016 at 4:46 am

        Luckily there is a new Asian development bank now.

        The IMF was the only lender and it always crucified countries if they were so desperate they had to borrow from them.

        Their state companies would usually end up in the hands of US companies, austerity and decreasing government spending would massively increase poverty. A few at the top did well by oiling the wheels for a takeover of foreign companies.

        Borrow money from the IMF and the country dies, look at Greece. A few at the top get rewarded to encourage them in that direction.

        Have a look at the IMF forecast for Greece if you want a laugh.

        Richard Koo has provided us with a graph of how it was IMF imposed austerity that killed the Greek economy at about 54 mins.

        The IMF forecast is a sick joke.

        Germany is the country that this time gets to buy up what was Greece.

  8. nick kelly
    Sep 18, 2016 at 12:36 pm

    Re: a run on banks causing a rise of anti- austerity anti- EU Five Star party.

    If they take over then the run on Italy really begins. This comes under the heading of ‘the boat has broken down, let’s swim to shore.’

    I doubt that Italians who are anti- austerity (read: an attempt to curb government spending) know what austerity is.

    The case of New Zealand is instructive. In the early 70’s it was a far left, socialist economy. One day in 74? the minister of finance got a call: the central bank had ‘ceased foreign exchange operations’
    He phoned and asked ‘why?’
    Answer: ‘We have no foreign exchange’
    I.e., a NZ company needing US$ to buy equipment couldn’t buy them with NZ currency.
    But you can’t go broke in your own currency, right.

    Yes. the NZ money was still money in NZ, but this was a place that sold, mutton, lamb, dairy, apples and not a heck of a lot else. It needed to buy virtually all manufactures OUTSIDE NZ, for which it needed Forex.

    Sir Roger ( he wasn’t ‘sir’ then) and his far- left government had to do a 180 degree turn. Half the staff of the government state broadcaster was let go in one day. The world’s first GST or more precisely VAT (Value added tax) was brought in. It had NO exceptions. It was on food, funerals, kids clothing. Roger explains ‘that if we made one exception, someone would say they should also be excepted and a bureaucracy would be needed’.
    One emergency measure in the first week that may wake up some of the ‘you can’t go broke if you print a currency’ folks: The NZ government had a number of embassies around the world. Some of these had credit cards good in US$, UK pounds etc.
    The government got them to max their plastic and wire home the proceeds, NOW.
    But the sturdy New Zealanders survived austerity and today are doing well- it helps that a relatively prosperous China has developed a love for NZ dairy including a thirst for NZ milk, which they can feed a baby in confidence.

    • Jerry
      Sep 20, 2016 at 5:07 am

      That’s why I no longer live in New Zealand.

      If anyone needs a modern day example of the end game of socialism will take a good look at New Zealand. Although I believe Europe will soon provide a more modern day example of why socialism does not work although for all those whom remembered Maggie Thatcher’s words, the problem with socialism is eventually you run out of other peoples money.

      Here in the UK we have already had an MP gunned down in the street. I wonder how folks will react when they start losing their jobs, houses and their pension funds start blowing up. I am unsure if the politicians understand the utter contempt in which they are held. When you read some folks online claiming they will hunt some of these crooks down and off with their heads.

      I was reading a blog from a connected French resident that had been told that French MPs should not travel round France anymore because their safety could no longer be assured. I am inclined to believe after seeing the video of the German Justice Minister ushered off stage at a rally for his own safety when the crowd turned against him.

  9. Sep 18, 2016 at 5:22 pm

    Anyone have an estimate (or guesstiment) of how much of the money was lost through outright fraud/looting and how much was lost through “bad banking” practices and ignorance? This being Italy, how much of a factor was “organized crime.”

  10. ML
    Sep 19, 2016 at 1:56 am

    Italy comprises different states/different cultures all trying to operate under a single banner. It cannot succeed, at least not until the different factions have found a way to resolve their differences.

    While the same could be said of other ‘countries’ the difference is that other countries are not Italian!

  11. Sep 19, 2016 at 11:17 am

    The Netherlands could be the next country to “get out”, even before Italy.

    A move to Netherexit would be very interesting to see.

    • nick kelly
      Sep 19, 2016 at 11:59 am

      The Netherlands and Britain can stand on their own financially. This does not mean it is to their advantage, but it is possible.

      At least in the short term, Italy can’t.
      Barring a huge loan from the IMF or maybe the tooth fairy, an Itexit means the collapse of the Italian banking system, followed by, at the very least, a severe depression.
      Oh, there’s a depression now, right?

      Read up on The Depression, riding the rods, going to back doors asking for a sandwich etc. etc. In Canada, men were allowed to ride on the top of freight cars. In the US you usually had to hide beneath the car, supported by the brake rods. Sometimes the train would dangle chains beneath the cars to rattle up and shake loose any bums hitching a ride.

      ‘In Why Shoot the Teacher?’ Max Braithwaite’s account of his stint teaching during the 30s- he is met at the train station by the Superintendent with a one horse trap.
      The Super is wearing flour sacks on his feet.

      People saying this is like the Depression or even worse than the Depression have no idea.

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text:
Powerhouse conversation

WATCH: Women in the World visits L.A. for annual Salon

Women in the World held its annual L.A. salon Tuesday night at Neuehouse Hollywood on Sunset Boulevard. The event was streamed live on our Facebook page and complete footage of all of the panels can be seen above.

The salon kicked off with opening marks from Women in the World founder and CEO Tina Brown, who then led a panel discussion with three powerhouse women on how to seize the momentum, unleash action and move the women’s agenda forward. Carmen Perez, the national co-chair for the Women’s March and executive director, The Gathering for Justice, Tamika Mallory, national co-chair for the Women’s March and founder of Mallory Consulting, and Rabbi Sharon Brous, senior and founding rabbi of IKAR, joined Brown onstage for a lively conversation on advancing the momentum put into motion by the Women’s March on Washington.

In the evening’s second panel, “Paris on the Brink,” author, media commentator, and founder of Women for Women International, Zainab Salbi interviewed Samia Hathroubi, a French Muslim activist, about the fight against Islamic extremism.

Next up, Stephanie Abrams, senior producer and correspondent for Circa Cares and founder of Give Back PR, along with Lisa McQueen, media manager for Toyota Motor Sales, Inc., revealed the 2017 Toyota Mother of Invention: Komal Dadlani, the founder of Lab4U.

Rounding out the evening, Tina Brown returned to the stage for “The Transformer” panel in which she went one-on-one with transgender activist Laxmi Narayan Tripathi. India is one of just 11 countries that recognize the third gender — and Tripathi is the gender warrior who convinced India’s Supreme Court to think beyond male and female.

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text:
To Balance Reality and Fantasy

If Only I Would Have Known…

That people online cannot be trusted. There’s actually a great blog post going around right now about “Fakebook” and how most of what you see online are the little rays of sunshine that peek through as peoples’ houses implode from a veritable buildup of toddler energy. I don’t think there’s anyone who’s not guilty.

It all starts when we get engaged. We post a million pictures of our faces smashed against our significant other, exclaiming how amazing he or she is. We post our pictures of floral arrangements (“Isn’t he the sweetest?!?!?!”) or the $300 purse he bought us for Christmas (“Isn’t he PERFECT?!?!?”) or eventually the ring (for a teeny tiny moment of braggery). Then comes the wedding, where every little detail is chronicled and at least 1,283 pictures are uploaded within days. Next comes our exotic honeymoon (we rode horses out in the ocean while the sun gleamed off our hair and we walked hand in hand down cobblestone streets before finally heading back to our private island cabana complete with gauzy white curtains fluttering in the salty breeze). When we become pregnant, we rush out to have pictures taken to showcase how good Photoshop can make us look while we’re the biggest we’ve ever been and our faces are flushed and bloated.

And we are happy – that’s not a lie. But we sure have learned to showcase it. Bragging is human nature – it comes from a self-pride and a confidence in life, which are beautiful things. But I think it’s beginning to hurt us too. Lately I’ve stepped back from Facebook. Once an obsessive poster, now I put up a picture or two of Kaleb and post statuses every few days. But I’ve still been reading. And now that I’m not as invested, I’ve realized something. We have started begging comparison in almost every aspect of our lives. We are on a perpetual mission to prove to the world with swords raised high that we are the best mother, the best wife, the best housekeeper. And it’s taking its toll.

Women are being held to ridiculous, almost unobtainable, standards – and lately, it’s not by our husbands. It’s by other moms. Someone posts that their kid had a difficult night last night, and instead of receiving support and a listening ear, within 15 minutes there are 34 posts telling her what she should do to fix the problem. Suddenly, everyone becomes the Baby Guru. Then, continue scrolling, and what’s the next post you see? “I woke up early, did 6 loads of laundry, put an AMAZING dinner (ALL homemade, OF COURSE 😉 in the crockpot, washed the baseboards and vacuumed while dancing with the cord like Mrs. Doubtfire, and explored the concept of viscosity with the kids all before nap! Yay for productivity!!” You know what I did this morning? Rolled out of bed, changed Kaleb’s diaper feeling like I was wading through the trenches of WWI as he kicked me in the face a few times and spilled the powder, chased him around the living room with a plastic dinosaur because that’s what he thinks is funny today, and then sat and watched an episode of Bar Rescue during nap, all still in yoga pants and glasses. Keep scrolling. Next up will be someone’s post about how some common baby product or household item that 99.9% of Americans use on a daily basis is slowly killing your kid (AND it’s a government conspiracy – who knew???). Then comes a picture of a sandwich and a description bragging about how Paleo it is (I wonder what that even means as I smell my buffalo chicken mac n cheese cooking in the oven).

Before I receive the backlash that I’m sure I will, because you know you can’t say anything these days without a disclaimer, let me say that it’s all well and good what you choose to do with your kids and your days. There are a lot of days that I clean my house from the minute Kaleb goes down for a nap until the second he wakes up (and I usually curse and beg the gods for five more minutes, just five!!! I’m not done yet!!!!). I do laundry daily (who knew three people could produce so much?!?) and dishes, and I at least Swiffer. My kid gets three squares a day with snacks in between, and most of them are healthy and balanced. He gets more hugs and kisses than I’ll ever admit to him when he’s a teenager. He runs to me and hugs me all the time. I’m a good mom. AND YOU ARE TOO. And guess what? We all know that. Without all the posts where you desperately try to prove that to us.

We all want to share our good days and moments. We all want to show off those smushed-faced photos when our kids are actually smiling. But we have bad days and moments too, and that’s ok. No one is Supermom every day. But that’s what we’re obviously expecting from each other. We “like” all those posts, and then wonder if we’re being a worse mom than so-and-so because she did all 57 things on her facebook post with a newborn on her hip. Just because someone posts their bad day (or night, let’s face it) doesn’t mean they’re begging for advice. If they want it, they’ll ask for it (in a way that actually sounds like asking for advice), and then I hope they take it with 20 grains of salt because the same things don’t work for everyone. The moral is this: Don’t feel like you have to be Fitness Mom and Learning Activity Mom and Healthfood Mom and Perfectly Balanced Mom all the time. You don’t.

And stop “liking” those blog posts about being real, and then going and posting your usual statuses. What’s happening is that we know those posts about waking up and trudging to the coffee pot and being thankful for a ten minute shower without the door being opened on us are the reality of motherhood most days, but we still feel compelled to compete with other moms, to showcase that “look at me! I’m doing it! I’m doing it really well! Do you see??” attitude. Let’s be real. Let’s not judge each other when we sigh about some funny comedy of errors that happened while the husband was at work. Let’s quit admitting that we know that the reality is different than the portrayal most days, and then continue to put on a show.

Embrace the mashed potatoes in your kid’s hair. Chances are, the mom next door is battling squash.

All our love,

Allison and Kaleb

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A Zombieblast Halloween!!!

On Saturday my girlfriend and I went to Asbury Park, NJ and participated in the 3rd Annual Zombie Walk! It was a blast AND the we broke the Guinness World Records! How awesome is that?!

Here are a few pics of Angie and myself. I hope to post more photos of the event soon!

About wrathofzombie

I am a History major attending a community college until I can get more financial aid and attend a four year school. I am living in NJ with my girlfriend who is currently wrapping up on obtaining her PhD in Toxicology. I love Star Wars, Role-playing, video games, working out, reading, writing, and hanging with my girlfriend, dog (Perfect), and two kittens (Birch and Brambles). My main focus on this site will be my discussion of Role-playing games and ideas and hopefully contribute something worth a damn. View all posts by wrathofzombie

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text:
In Which I Give Up And Buy A New Calendar

I disdain how most calendars are set up.

First off, there is this tiny problem of nearly all scholastic calendars being 18 month calendars, so that when you run out of space, you have to use a calendar that begins in January, and that is so utterly inconvenient. Seriously. December to January is one of the busiest times of year. That is a period where I need to be able to freely flip from one month to the next without having to change books. Just add an extra six months in, and let me have a two year calendar that runs out in July, when nothing happens because the heat has killed everyone.

Secondly, I am apparently a bit of snob when it comes to how my pages are laid out. I want, in my calendar, precisely as follows: I want a week to a spread, with the Sunday at the end of the week and a proportional eighth day with room for extra notes and a calendar of the month. I want, in the front, a section to note weekly standing dates, because I shouldn’t have to write my class schedule in on every freaking page. And I want blank paper in the back for when I need scrap paper. But it also needs to fit in my purse, so no single dimension can be longer than four inches. That’s not too complicated, right?

Right. Except, well, it is. Except, well, I forgot that I’m in Europe, where calendars actually do have Sunday on the end of the week.

I had passed Eason’s every time I went to or from the train station, and a couple times when we had trekked up the hill to get Ann some curry chips from her favorite place to get curry chips (none of the rest of us really cared for it, but whatever). Thus, I finally gave up and went in, hoping against hope they would have what I wanted.

It is a glorious place, not only because it has books, but because good lord it has been a long time since I have seen so many writing supplies in one place, and, well, if you know me, I’m a sucker for stationary. I own far too much. Hell, I own far too many sets of Christmas cards, because I buy them at the beginning and end of each season and you can guess how that piles up. But they are so pretty. I blame my mother. She does calligraphy. She always needed special pens and special paper. While I failed to learn the art of pretty handwriting from her, I did learn the obsession for paper and pens. Because pretty.

Oh, yeah. They also had calendars. Correctly proportioned calendars, too. Mainly in bright, horrifying neon colors, but there was also a pretty one with a black base and butterflies on it, which I suppose will do. I actually quite like it. So I bought it.

Among other things.

Very papery other things.

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text:
Floating Duck Thermometer

Floating Duck Thermometer "Looks Cool" While Helping Monitor Water Temperature
SKU: 4594
Manufacturer part number: MP 083 D
excluding shipping

The mercury free  Derby Duck Pool Thermometers are a fun and colorful thermometers way to keep mothers and their babies comfortable during water birth monitor water temperature.

  • Read outs in both Fahrenheit up to 160° and Celsius up to 70°
  • Shatter resistant casing
  • Non-toxic, mercury-free liquid
  • Dimensions: duck is 8.5" x 8.5", overall height 11"
  • Floats in water, ideal for water birth tubs


text:
4Tests Forums

ForumsASVAB • Entrance to army Thread Closed
Author Topic
gary8708Posted - 30 August 2008 19:57  Show Profile
Besides the asvab what do they look for in the physical. Also the asvab i would like to know what areas of everything i should study most i take the test in 4 days

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4Tests Forums

ForumsGED • Is there anyway i Thread Closed
Author Topic
Alxr8dr99Posted - 11 December 2012 22:18  Show Profile
I know i can i get the score but i want to see the problems i missed or does that depend on the school.
BigMike2101 Posted - 13 December 2012 10:25  Show Profile
Truthfully think it depends on the school but idk i'm taking mine at jobcorps.

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text:
4Tests Forums

ForumsGED • GED re-take Post ReplySend to a Friend
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Jordan1234Posted - 6 March 2007 13:28  Show Profile
I have not taken my ged test yet but I had a question for you folks. If I take the test and say get math and science wrong but LA and world history right....how does it work for the retake. I read you are only allowed to take the test 3 times, so does this mean I already took them all once so now I am down to 2 retakes...and if I wanna do the retake on math thats another 1? I mean I am just so confused on how the retake system works..please explain!
citolove2004 Posted - 6 March 2007 16:5  Show Profile
I was told that you can take it as many times as needed as long you pay the fee.and you don't have to take them all at once but every state is diferent
Jordan1234 Posted - 6 March 2007 16:45  Show Profile
well I live in colorado...I cant find out what the deal here is. I need someone to help me out because the people here dont know what they are talking about.
phucvandang Posted - 14 October 2007 9:40  Show Profile
Have you been visiting any GED web site at all ? Because if you have you may find the answer there. In Kansas City here where I live, you only take the test 3 times (including 2 retakes) in the calendar year.
allieschneider87 Posted - 18 October 2007 15:56  Show Profile
i have taken all of the tests but i never got a high enough average to recive my GED. <BR>i am a job corps student and i am do to leave on Nov. 2 and i still have not gotten my GED and i have been there for about 11 months.

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How to bathe a child who has eczema

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Is Similarity a Useful Tool in Assessing Quality of Prostate Brachytherapy Seed Implants?

Dorin Todor

D Todor*, M Hagan, M Anscher, Virginia Commonwealth University, Richmond, VA

PO-BPC-Exhibit Hall-6 Saturday  Room: Exhibit Hall

Purpose: To identify whether geometrical similarity between a pre-plan and post-implant plan is necessary and/or sufficient for a good quality implant?

Methods: A unique cohort of 94 prostate seed implant patients was analyzed. For each patient, an ultrasound (US) pre-implant and two CT post-implant (day 0 and day 30) studies were available. Measures for similarity were created and computed using feature vectors based on two classes of moments: first, invariant to rotation and translation, the second polar-radius moments invariant to rotation, translation and scaling. Both similarity measures were calibrated using controlled perturbations (random and systematic) of seed positions and contours in different size implants thus producing meaningful numerical threshold values used in the clinical analysis.

Results: When similarity is based on moments invariant to translation and rotation only, both seeds and contours exhibit a remarkable lack of similarity when pre- and post-implant plans are compared, with contours faring slightly better than seeds. When scaling invariance is added, resemblance between both implants and contours improved dramatically. When comparing post-implant plans at day 0 and day 30, apart from minor seed migration, the only change in the geometry of the implant should be due to resolution of prostate swelling and should be well describe by scaling, and this is clearly shown by the 83% (78 patients out of 94) similarity. Interestingly there is no correlation between seed similarity and contours similarity, nor does D90 or D90 ratios correlates with seed or contours similarity in any of the comparisons.

Conclusion: In the setting of pre-planed prostate seed implants using pre-loaded needles as delivery method, based on our data we conclude that similarity between pre- and post-implant plan does not correlate with either D90 or analogous similarity metrics for prostate contours, thus questioning the utility of creating 'optimal' preplans.

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Hit and Run Picture 18

Hit and Run

Bradley Cooper in Open Road Films' Hit and Run (2012)

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Mr. Selfridge Synopsis

  • Mr. Selfridge
    • Category : TV Series
    • Genre : Drama
    • Seasons : 4
    • MPAA Rating : -
    • Production Co. : ITV Studios
    • Distributor : PBS
    • Official Site :

At the unfashionable end of Oxford Street in 1909 London, an American retail tycoon arrives to jettison fusty British tradition and open the biggest and finest department store the world has ever seen: Selfridges. Three-time Emmy winner Jeremy Piven (in his first television appearance since his iconic role as Hollywood agent Ari Gold in Entourage) stars as Harry Gordon Selfridge, the flamboyant entrepreneur and showman seeking to provide London's shoppers with the ultimate merchandise and the ultimate thrill.

Emmy Award-winning writer Andrew Davies (Pride and Prejudice, Bleak House) conjures the opulence and excitement of Selfridges and the story of its founder, a man of exuberant, outsized, and potentially dangerous, appetite. Behind Selfridges' lavish shop windows, gleaming counters, and majestic doors, appetite intersects with ambition and desire not just for Harry, but for his staff, his family, and the various women drawn to the store and the man. Zoe Tapper (Stage Beauty) is showgirl and temptress Ellen Love; Frances O'Connor (Madame Bovary) as is Harry's loyal wife, Rose; Gregory Fitoussi (Spiral) is the mercurial window designer extraordinaire, Henri Leclair; and Aisling Loftus (Case Histories) is the spunky shop girl Agnes Towler.

After nearly 20 years of setting trends and pushing traditions, Selfridge's is still going strong as the triumph of London's Oxford Street. But Harry's potentially dangerous appetite for entertainment and women, while always a problem, has reached its peak. Now, he struggles to keep the reins of the store he loves, in the face of old troubles, new opportunities, and unsettled scores. Mr Selfridge The Final Season, airs in nine drama-packed episodes on Sundays, March 27th - May 22nd, 2016 at 10/9c on MASTERPIECE on PBS.

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What does T50 stand for?

T50 stands for Time it takes for 50% of the stomach to empty

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Nepal: Missions Internship or Team Opportunity

Asia   >   Nepal
Travel to Kathmandu for two weeks or several months and work with Nepali nationals committed to reaching millions for Christ throughout Nepal!

$1200 a month not including cost of airfare

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Intern (1-5 months)
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Overview: Travel to Nepal as part of an ACTION TEAM or individual ACTION Intern and work with Barnabas, a Nepali national. The Lord saved Barnabas out of the Hindu high cast called Brahmin! Now, as a redeemed Christian leader, Barnabas has a heart and passion to reach millions of his countrymen with the glorious Gospel! Join him and his ministry partners at Mission to Unreached Millions (M2UM) and make an impact for Christ in Nepal!

Q & A with ACTION missionary Barnabas:

1. What are some ministry tasks that you want the intern to accomplish while serving with you?

My consistent ministries include teaching and training, small group leadership development and infrastructural development such as church planting and sustainable ministry outreach. Interns or teams could come and lead seminars and I am also willing to place them in public primary schools where they would offer voluntary teaching. I would preferably invite interns or teams who can teach or do short-term training on music and worship, English or other languages, health, nutrition and sanitation. In the present context of Nepal a missionary can come to train, coach, mentor and mobilize the local church!

Youth and Children’s Ministry Opportunities for teams or interns:

 Fellowship – Small or large group gatherings to encourage each other to grow in the Lord• Discipleship – Bible studies and mentoring in one-on-one relationships

 Witnessing – In the marketplaces alongside my ministry leaders and with the local Christian Nepali youth

 Training – Working with local believers and teaching music and worship, evangelism and discipleship skills

 Teaching – The young children during children’s church on Sundays

I firmly believe that the role of 21st century missionaries is to support the local church’s missions. So I would discourage an outsider roaming around the villages and marketplaces alone and sharing Gospel tracts to our people, rather I highly encourage them to concentrate in training, mentoring, equipping the local Native Christians.

2. What are some key lessons from your ministry and walk with the Lord that you want to impart tothe interns to help them as they consider their own individual call to missions or vocational ministry?

• How to effectively do small group discipleship especially in a cross-cultural setting as well as house church planting

• The essential need to do missions and outreach to the most unreached peoples

• Community service and ministries of mercy serving the poorest of the poor

• Vocational training on entrepreneurship and livelihood for sustainable ministry work

3. Please list specific skills an intern may expect to develop by the time the internship is completed.

• Time management and learning how to multi-task in a ministry setting

• Developing discipling skills in a cross-cultural context both one-on-one and in small groups

• Becoming compassionate in serving the poorest communities and sharing the Gospel with them


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Only show results in Virginia? Ok

Pivot Irrigation Companies

  • The Pivot Doc LLC

    The Pivot Doc LLC offers a wide array of services from standard end tower control systems, corner systems and linear move systems to GPS equipped PPCIII machines, Variable Rate Irrigation (VRI), and remote control from your phone, laptop or other smart device to electrical service, water line fabrication and installation and complete installs. Our customers choose us ...

    based in York, NEBRASKA (USA).

  • Riegos Ruiz

    We are experts in installation of irrigation systems: sprinkler, pivots, drip irrigation, filtration, irrigation network management, technical projects and managing of grants. Irigare Dunarea is a company belonging to the group of enterprises Riegos Ruiz. In 1980, Mr. Ruiz established his first company in Spain called Riegos Ruiz, whose mainstay is the design and ...

    based in Alfaro, SPAIN.

  • Bickett Farm Tiling & Irrigation

    Bickett Farm Tiling is the leader in the field of inovative farm tiling, utilizing two Bron 450 tiling plows and state of the art GPS (Global Positioning Satelite) systems to map all fields. These plows are equipped with on board computers to ensure the proper depth of the tile installed, and while doing so these computers completely map the field being tiled, giving the ...

    based in Ridgway, ILLINOIS (USA).

  • Tecno Pivot

    Tecno Pivot Manufacturer of circular irrigation Pivot system. Tecno Pivot produces all the frameworks with high-quality steel, manufacture and origin certificate, both for piping and rolled steels. Our pipes stand out from other brands thanks to the larger wall thickness (3mm standard), and at the present it is one of the sturdiest pipes on the market. The structure is ...

    based in La Cistérniga (Valladolid), SPAIN.

  • Roberts Irrigation Company, Inc.

    In the early days at Roberts Irrigation the normal irrigation pipeline was made of steel, they were heavy, and they were carried from place to place in the field. Simple “big gun” sprinklers were used to irrigate large areas and required a tremendous amount of hand labor. Technology and high tech were not words in anybody’s vocabulary. In the 50 years since the beginning ...

    based in Plover, WISCONSIN (USA).

  • R&K Pivots

    Making use of all of today`s high tech agricultural practices will still leave your bottom line at the mercy of Mother Nature. Why go to the time and expense of making all the right decisions and then hope it rains enough to make them pay off? Why not determine that you will use all the proven technology available to make the maximum bushels per acre possible every ...

    based in Russellville, KENTUCKY (USA).

  • Ritthaler Irrigation

    One of the largest and most innovative irrigation systems manufacturers in the world, Reinke Manufacturing continues to set the standard in mechanized irrigation systems. At Ritthaler Irrigation our experience will deliver you the right Reinke System designed for your specific requirements. A properly designed irrigation system will not only serve its intended purpose, ...

    based in Fremont, NEBRASKA (USA).

  • T-L Irrigation Co.

    T-L’s headquarters and manufacturing operations are located in Hastings, Nebraska and offers the experience and product quality gained from over 55 years of irrigation excellence. We are ready to assist in your irrigation planning, fulfill your pivot irrigation equipment needs, and provide a prompt estimate of costs based on your job specifications. T-L Irrigation Co. has ...

    based in Hastings, NEBRASKA (USA).

  • J. S. Knotts

    J. S. Knotts is located in Felton, DE and provides T-L irrigation equipment along with other services listed below. Fabrication, Welding & Repair Shop, Pivot Maintenance, Stainless steel, aluminum, mig tig stick welding, Trenching, Wire plowing, Pipe Installation, Agri Cover, Corn Reels.

    based in Felton, DELAWARE (USA).

  • Nebraska Irrigation Inc

    Nebraska Irrigation specializes in problem-solving modifications and conversions for mobile irrigation systems. Equally important are the dependable, field-proven control systems and innovative products manufactured in our facilities. Established in 1975, we have the knowledge and experience to fulfill all your irrigations needs. To assure efficiency and high quality, we ...

    based in Columbus, NEBRASKA (USA).

  • Irrigation Solutions

    Irrigation Solutions was formed inside of a John Deere Equipment dealership in Plymouth, Indiana in 1993. Irrigation Solutions has since become a leading Agricultural Irrigation dealer and relocated to Lakeville, Indiana.We provide our customers with service and sales of Zimmatic Irrigation Systems. We apply our expertise in many fields from Irrigation Equipment to Grain ...

    based in lakeville, ILLINOIS (USA).

  • Husker Irrigation, LLC.

    Husker Irrigation, LLC. leads in locally owned and operated since 2007. We service all electric brands of pivots, underground pipe sales & installation. We want our customers to continuously grow high quality and profitable crops while also cutting down on man-hours through reduced maintenance issues and minimal monitoring. Our irrigation systems help growers reach their ...

    based in Holdrege, NEBRASKA (USA).

  • Koviack Irrigation and Farm services

    Koviack Irrigation and Farm Services has built its reputation by placing value on service that you expect from a family-owned business with the product reach and expertise you need from a leader in the ag-industry. Company president Terry Koviack already had 17 years’ experience in irrigation and agriculture when he founded Koviack Irrigation & Farm Services in 2006. ...

    based in Three Rivers, MICHIGAN (USA).

  • Roth Irrigation and Roth Hereford Farms

    We are the Zimmatic Pivot Irrigation dealer headquartered in Harrisonville, MO and serving Missouri and surrounding states. We have been in business since 1971 and have worked with the Zimmatic line of products for over 30 years. My grandfather Harold and my father Dwight who were farming in Cass County started our dealership. Looking to reduce production risk and ...

    based in Harrisonville, MONTANA (USA).

  • General Irrigation & Dewatering

    General Irrigation is a leading source of pipe, engines, pumps, center pivots, and customized irrigation equipment for agricultural and construction management needs with greater than 30 years of experience. We are conveniently located in southeastern North Dakota and have served customers as far as Idaho, Ohio, Texas, and Canada. We sell Zimmatic center pivot systems ...

    based in Oakes, NORTH DAKOTA (USA).

  • Sussex Irrigation Co., Inc.

    Sussex Irrigation Co., Inc. is an award winning dealer for the nations leading irrigation system - Zimmatic. For more than thirty years, producers around the world have relied on Zimmatic irrigation systems to help them increase efficiency and productivity.

    based in Laurel, DELAWARE (USA).

  • Komro Sales & Service, Inc.

    Komro Sales & Services, Inc. is a privately owned company that Jack Komro started in 1960. Jack’s oldest son, Bob Komro, took over in the early 90’s and was accompanied by his brother, Pete Komro and brother-in-law, Mike Serum thereafter. Komro Sales employs approximately 40 people consisting of salesman, drafters, designers, equipment installers, crew leaders, and ...

    based in Durand, WISCONSIN (USA).

  • Williams Expert Pivot and Pump, Inc.

    Reinke Center Pivot Irrigation Systems. Sales, installation, parts. Servicing of all brands of agricultural irrigation, including: Reinke, Valley, Zimmatic, T&L, Lockwood.

    based in North Liberty, INDIANA (USA).

  • Indiana Irrigation Co., Inc.

    We have been providing better life through water in Indiana, the Midwest, and across the U.S.A. since 1977. We are committed to pursuing the best methods and applications of water to bring more life to your production efforts. Because of this commitment we have had the pleasure of serving clients that include several international companies. We provide Engineering Design, ...

    based in Onward, INDIANA (USA).

  • L.A. Brett and Sons, Inc.

    L. A. Brett and Sons, Inc. has been selling and installing metal buildings, farm grain bins and center pivot irrigation. We are a family owned and operated business that treats our customers the way we want to be treated. Our loyal customers are what keep us going year after year. We have qualified service people and take pride in providing timely service to our ...

    based in Wadley, GEORGIA (US) (USA).

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