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After an opening surge on Monday, markets had a mixed time of it for the remainder of the week. President elect Barack Obama's announcement of a huge public works program helped virtually every market rally against the main trends of the last few weeks. Equities and commodities were higher, while the dollar, bonds, and CDS levels all eased. Unfortunately the optimism didn't last, with the refusal of congress to ratify the Automaker bailout becoming the catalyst for the selling seen at the end of the week.
US pending home sales fell less than expected, and this provided good cheer to markets as it may indicate that the US housing decline is slowing. With so many mortgage backed securities still out there, a steadying of the US housing market could help alleviate some of the pressure on global financial institutions. The UK economy is still showing few signs of improvement though with October production figures falling more aggressively than expected.
There was increasing chatter about a ‘Treasuries' bubble last week. The yield and 5 and 10 year notes plumbed to new depths, as traders continued their flight to quality. The yield on 3 month US Treasuries turned negative, meaning that investors were literally willing to pay to put their money somewhere that is perceived to be safe. Another unusual act to add to the ever growing pile of ‘once in a generation' events, were reports that the Federal reserve is considering selling bonds under its own name.
The Pound held its ground against the Dollar, but was well and truly smashed by the Euro, which today set yet another record high against Sterling. The Euro even kissed the underside of its synthetic high of 0.9000 based on the old Deutsche Mark from 1996. Friday's, news of HBOS's dreadful £8bn write-down hit the general banking sector hard. Many economists predict that the UK economy won't recover until the back of 2009 at least, which means that lending conditions could get even worse for the UK banks.
Until recently, the ‘independence' premium hadn't worked its way through in the banking sector. However, there are signs today that independence from the UK Treasury could start to become a significant advantage. On Friday, Lloyds, HBOS and RBS closed down 18%, 23% and 15% respectively. The remaining two major UK banks not to seek government assistance; Barclays and HSBC finished down just 8% and 2% respectively.
The banks have an almost impossible task of providing shareholder (and taxpayer) value, whist at the same time being seen to re-start lending to home owners and small businesses. Northern Rock shows precisely why these two competing aims are difficult to align. Northern Rock's management team has been hell bent on repaying the government's loan as quickly as possible, and it is making good progress in this regard. The problem is that to do this, it has reversed its lending policy, and is now lending out less than is being paid in. This is good news for taxpayers, but bad news for consumers.
The economic landscape will be dominated by the US interest rate
statement due on Tuesday. Analysts are expecting a fresh round of cuts from the Fed. Fed fund futures are currently implying a 60% probability of cut down to 0.25%, with a 30% probability of a cut down to 0.5%. On the same theme, UK rates are expected to push lower soon, and Wednesday's MPC meeting minutes will help traders determinate the size of the likely cut.
Relationships are A LOT of hard work. And if you haven't already been in one, you will eventually end up in one...a relationship, that is. There is no hiding the fact that most relationships end up in divorce today more than ever (I think the statistics are something like over 50%). With divorce rates so high, some people may wonder, "well, what's the point of getting married or involved seriously then anyway?" The truth of the matter is that any and every good relationship takes work; but sadly, most Americans want things to be ridiculously easy and so when they're not, they simply move on. One of the biggest and most commonly seen mistakes that couples make when getting involved in a relationship is that they jump into it without having been friends first. Why is being "friends" so critical to the success of a relationship? Well, there's a saying which states that you can't build something unless you have a solid foundation first. For romantic, life-long relationships to survive, friendship has to be that solid foundation. It is during the time when two people are friends that they get to know one another better and find out common likes and dislikes, etc. You learn to appreciate the other person during this time to find out whether or not you are compatible. Too many people jump into the romantic part of relationships for the excitement and thrill, only to realize that after all of that has worn off, they aren't really left with much else. When I first started dating my current boyfriend of over 1 year, we were friends first. We shared a lot of the same interestes and genuinely enjoyed each other's company. There are some people who get along fabulously in a long term relationship (ie. Marriage) after only knowing each other a short while. However, there is a saying that says something to the effect that if your foundation is built in sand, it will never last. That being said, the same is true of relationships. If your relationship is built upon lust or some other falsity, it will never withstand the storms that can sometimes rock and test relationships. Take time to get to know someone. The last thing you want to find out just after you're married is that the other person has a ton of financial trouble or that something else more serious is going on. By building a relationship on friendship first, you are starting out on a much more solid foundation. Some studies advise that a couple should date for at least two to three years prior to becoming engaged and/or married so that they have this time to get to know one another. Part of the reason that a lot of marriages don't work out is also due to the media's portrayal of what love is. On television as well as in other media forms, love is portrayed romantically and/or passionately only. Seldom do you see two people portrayed who are enjoying one another's company. Instead, you see two people falling madly in love, and then you cut to six months later when they are engaged and another 6 months later where they are married. We really need to refocus our energies when it comes to making relationships work so that they will be healthier and longer-lasting.
MIRABELA Nickel has announced a maiden underground resource for its flagship Santa Rita project in Brazil and will move to a prefeasibility study on the new resource. The underground resource, which lies directly below the open pit resource at 500-1000m vertical depth, has an inferred resource estimate of 55 million tonnes grading 0.82% nickel and 0.24% copper for 450,000 tonnes contained nickel. Around 95% of the resource is contained within one continuous zone and the company said a scoping study has indicated the resource seems amenable to low-cost, bulk underground mining techniques. Preliminary analysis suggests the underground resource has similar metallurgical characteristics to the open pit reserve. Mirabela will now move to a prefeasibility study on the new resource, which will be managed by mining engineer Trevor Mulroney. The company said an expansion of the Santa Rita concentrator is possible, to allow processing of the additional underground ore. Dual-listed Mirabela is targeting an underground resource of 60-80Mt to support a 3Mt per annum underground operation. Santa Rita has an open cut resource of 130Mt grading 0.6% nickel for 780,000t contained nickel. Construction of the project is 65% complete and production is on schedule to begin in mid-2009, producing 18,500tpa of nickel in a sulphide concentrate over a 20-year mine life. Shares in Mirabela Nickel were 5% or 4.5c up this morning to 90.5c on the Australian Securities Exchange.
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1. Your insurance questions will be answered by our operators overseas.
2. Yes that's correct, you do not have insurance.
3. We seem to have misplaced your car.
4. Please sign here to affirm that you have been cited for the accident.
5. The witnesses all confirm a set of facts that is quite different from yours.
6. I have good news and bad news. Actually, I would not count on any good news.
7. Have you seen our new jail? Well, now you'll get to see it from the inside.
8. We've never treated anyone here at our hospital with that kind of injury.
9. We're thinking that surgery might help, but we're really not too sure.
10. If the surgery doesn't work, we won't charge you for the anesthesia. How does that sound to you?
Here are ten useful tips of advice from a car accident lawyer to follow if you have been in an accident. You can also learn more about how to handle a car accident in The Central Coast, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com and learning how we can assist you.
Obviously, if you have had an accident, and you are reading all of this advice, it's probably been at least a few days since the accident. However, if it's only been a few hours or if you ever have another accident, here's what you should do the next time from the start.
First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it's just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.
Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.
Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn't know what you were saying at the scene. Police know that your best recollection is immediately after an accident.
Fourth, get the other driver's information including their names, addresses, driver's license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.
Fifth, if you have a camera on your cell phone or in the car and you aren't too injured, take some photos of the vehicles and the scene. If you can't do it right away, do it after you are released from the hospital.
Sixth, if you are hurt, obtain medical treatment. Don't decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don't get treatment you don't need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.
Seventh, call a good car accident lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good car accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good car accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most car accident attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.
Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver's insurance company, it's good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.
Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don't agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.
Tenth, don't pay a traffic ticket without a fight if you weren't at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.
If you've had a car accident in The Central Coast, Morro Bay, San Luis Obispo, Camarillo, Santa Maria, Santa Barbara, Ventura, Oxnard, or anywhere in Southern California, we have the knowledge and resources to be your Central Coast Car Accident Lawyer and your San Luis Obispo Car Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.
If you have a personal injury legal matter, a dog bite or if you've lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com and learn how we can assist you.
When we talk of eternity rings, we are mostly referring to the rings that are exchanged by people who are close and that want a sign to signify their friendship. These are rings that have sentimental value to the two people that are exchanging them. This is not new. Rings have been part of human interaction for as long as we can remember. They can be made of anything from fine gold, to diamond, to steel and also other precious stones. There is really no limit to the material that can be used to create an eternity ring because its significance is all that matters. There is also a general consensus that the deeper the relationship, the more people seem to invest in the ring although there are obvious exceptions to this rule. There are different occasions in which eternity rings are exchanged and we shall now examine them.
The most sentimental of these occasions is a wedding. There is perhaps no other time that rings mean something more than at a wedding ceremony. During a wedding, expensive rings are exchanged. It has been mostly the custom of ring exchanges to have the man give a ring to a woman that he loves but when it comes to a wedding both the man and the woman exchange rings. In a wedding arrangement, the man provides the ring to the woman and the woman's family buys the ring for the groom. This is an acceptable way of exchanging eternity rings.
Another occasion when eternity rings are exchanged is during an engagement. This is the time that precedes a wedding. When a man and a woman fall in love, the next step if they have made up their minds to get married is to become engaged. This is an occasion where the two commit to each other and start working toward a wedding. During this occasion which is usually very memorable, the man "proposes" to the woman usually in a gesture where he kneels down and offers a ring to the woman of his love. This ring is usually expensive although as we said, the intentions are what matters.
These are perhaps the two most common times to exchange eternity rings. But these by no means the only ones. Eternity rings are exchanges when two people commit to a lifelong friendship especially when that friendship is threatened with separation. This separation is usually distance. For instance, people exchange eternity rings when they are leaving high school and going off to different colleges. Girls are more prone to do this than boys and more friendship eternity rings are bought and exchanged by girls than by boys.
The best place to shop for eternity rings is online. This is because there are literally hundreds of types of rings and at equally varied prices. Different jewelers sell rings at different prices and the only way to shop for the best prices is to comb through the different websites that sell eternity rings.
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