How To Pick Up Wmn

Nikon Coolpix L120 … Bear in mind that when you are tryng to pick u a woman, you are ls bng appraised by the object f yur interest. You might have control of your breakouts, despite the fact that occasionally it appears difficult. was I desperate! It’s pssible t learn how to pick up women.

The dwnside of using pick up lne thy aren’t original.

It would be asir to strke up a conversation if you hng out n the open-ar aras awa frm the din n th nght club. Tags: mustache wax, best mustache wax, moustache waxGet Over Yourself! Do You Think You Can Dress Like A Slob And Be Success? You Can”t So Get Over By: Sandy Z – Do you like to dress like a slob every where you go? It probably isn’t the best idea if you are in business and need to market of sell a product. S that retty muh says how effective pick up line r. Most night lub have patio or verandahs for thos wh smke. So, put on yur bt foot forward nd go get your grl!

Prsonally I dn’t lk to us pck up lines, besides the obvous lak of riginality, pck u line r corny.

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By: ryakilq6ku

Are u one f thoe gu who get anxiety anic each tm th wknd draw near? I rmmbr being in that poston ears ago. No one lke to be een with a slob. A key pint to rmmbr, womn are easier t ick u ltr in th evening due to lohol consumption. The nly difference is in th gu dlivring thse ame chees lne.

Article Published On: – Attraction

All this would not be complete f you don’t lk your part. You don’t hv to look like Tom Cruse or Brd Ptt but it ssntial tht you r well groomed. Facial structure is very important as i … T triumph, u nd t work on your elf confidence and sta hed f competition from other male n the viinity.

The bet placs to pik u womn wuld b at nght clubs or brs. Be more specific, fr intance if you want a beutful woman, does she hv to b also tall and lim r is your preferene fr women wth hour glass figur. Whle most people look forwrd to th weekends, I drd it. Gt some of these books and learn up a few common tricks.

About the Author:

The Article writer, is a freelance relationship coach for guys. Anthr gd lace t start is the dance floor. . I learnt th kill and you too n learn hw to successfully pick up wmen. You’ll hv to be mre outgong and aggrssiv and put ur h slf at home if you wnt t mt womn in night lubs. Thi is provided that ou can dne.

Knowing th womn that ou wnt

Th sngle most important thing that yu hould larn if you wnt t approach women is to get vr the far of approaching a womn nd start a cnversatin.

Before yu pick u wmen, ou nd to knw what sort of woman yu wnt. And boy… Th s t rvnt yu from wasting time and effrt chasing ftr the wrng wmn. Once you’v decided n th ort of womn you want, reate the piture of your del woman n your mnd.

Hw to aroach wmen?

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Wmn find confident mn sexy.

Sm theory applies hr, f u can get a wman’s attention with ur card trik, her attntion and delight with ur trk will bring other womn t hk u out. Why? Basicall women wh frqunt night clubs r br re there to unwnd ftr work and hang out with friends, socilize and th single wmen go there to be picked u! So, it’s atually a good training ground. If the women r gme t dance with yu, then grat! Else move on to the nxt potential wmn. Besdes tht, ou lso have t del with competton in th frm f ther guys. And when you hav womn flocking to check ut yur trick, ou wll sn have them competing fr our attenton. The complete range of digital cameras is available in all leading stores in Kolkata. One important feature is a auto-shut off function that comes into play when the contain … The truth is, the initial camera built by Canon was in massive component a Nikon. Since all you have t d i just go bu a book nd memrize sme lines, any Tm, Dik and Harry m be dng the same thing as you nd guss what??? Mt wmn yu ud the lins on would hv heard th same lin before. Tags: emerging market, European economy news, browse around these guysSwift Methods For Dehumidifier Across The Usa By: Emily Warden – uk you can be sure that you will receive a high quality moisture eliminator unit, at a competitive price. Tags: d600, d600, nikon d600Extra Income From Home By: Fhill jaques – Most of the skilled people are not able to get employment opportunities because of which they lose a source of earning income.Tags: Make money online for freeSwift Solutions In Invest In Europe – Insights By: Nickolas Canales – This is creating goods directly as a team rather than doing it yourself. This exercise hels u t recognize hr when you s her nd avids the itfall f falling jut any wman tht hw n interest n you.

Alternatvely you cn learn some rd tricks to get her attention or palm reading but these tw are more suitably carred out in placs where you cn talk without having to shout on to of your vices. He shows guys best places to meet women in whatever location. There are several natural home remedies that work well just as well as drugs, sometimes far better.

Meeting laces

Ar you dteble?

However f yu are the shy typ, trying to pick up girl in th night lubs can be very intimidating and daunting. Wh? Simply beause I wa ngle and clueless when it come to pick up wmn. There ar lot of books on pik up lines and you uld get one of thee bks nd memorize a few tht you like nd try them ut.

The great thng about trick is they attract a rowd and crowd mens ou drw attention frm other women. Target women who ar dancing by on their own or with their girl friends. ‘ Business investment (large and small) ‘ Check into areas that are d … If you too are interested in buying Residential or Commercial Plots in Punjab, then here are some points that will surely make you appreciate your decision:. It generally brings out the first impression of a persons overall personality and outlook

Interview with and the odds on who will win the LoL Worlds

He shared some great information on the world of E-sports betting and even gave some tips on who to put your money on when it comes to the LoL World Championship. It will appear in the betslip on the right hand side, then you put the amount of money you want to bet and click bet now and confirm. As their regional games went in an extremely unusual way, considering both picks and game play, it is really hard to predict how they will perform against teams from other regions.

Examiner: E-sports betting is an emerging field and there aren’t too many resources out there for it yet. I know it sounds clich, but that is simply it. A community based business; is focused on making E-sports a recognized sport.

Who is your best bet in the LoL World Championships

Riot Games

JF: If you would like to go conservative I would favor SKT T1 and Ozone for sure. SKT T1 after a stunning performance in OGN and Regionals is considered the biggest favorite to take it all with Galaxy Samsung Ozone and OMG just behind them.

JF: It is super easy. The best player on Starcraft II Finals won over 6,000 USD just during the tournament, multiplying his money by 12-13 times. Many of them deposited and placed at least a few bets. From region strengths to how to place your bets this interview will help fans as they prepare to place some live bets on the upcoming E-sports event betting scene.

The Season 3 League of Legends World Championship is kicking off on Sunday, drawing attention to a new found form of entertainment, E-sports betting. You deposit money into your account and there you go. We have a few hundred users registered. It takes like 2 minutes (just remember to enter all your personal data correctly. If I could bet and want some LCS team (to win) I would go with Fnatic. To protect your money we will check this data before withdrawal). is an E-sports only international betting website. Yes, we will offer live betting for all games at LOL Worlds as well.

Examiner had the opportunity to speak with DatBet.nets Business Development Manager James Farrowy. What got the founders of interested in the business?

Examiner: Citizens of what countries are eligible to place bets on LCS teams have closed the gap significantly but definitely not enough. You can chose between single bet or parleys.

JF: Betting is typically an event based business. They might be very strong or just an average team. For now we offer customers bets on LOL, DOTA2, Starcraft and Counter Strike. How are the top teams looking as far as odds of winning go?

JF: Koreans seems to be hyped and super strong before the tournament. They seem to have a really strong lineup. We believe we can develop E-Sports into a legitimate sport like football, or basketball and thanks to great community support we can compete with the big bookmakers, which will enter the market later.

Najin Black Sword, Royal Club and Gamania Bears starting their matches from quarterfinals are really hard to judge for totally different reasons. Gamania Bears are a secret for us. You need to register first. Finals with an LCS team would definitely be an upset for Asia and a great surprise for all LCS fans.

Besides that, I heard some unofficial news, that there will be a new big tournament/league coming up at the beginning of next year, but it is still unofficial and I am not allowed to say more.

Examinr: After the LoL World Championship, are there any other big E-sports events will be taking bets on?

Examiner: Last year the World Championship came down to two Asian teams. There are days, when there will be only a few players betting, on the other hand during EU LCS ties there were like 50 people live betting each game.

Examiner: What advice would you give spectators wanting to make smart bets for the World Championship?

JF: We love Esports. 15th.

JF: Are you asking, is it possible to earn real money on Esports? Yes, it is. Royal Club is extremely momentum based. Najin Sword cause theyre consistently inconsistent from other top Korean teams. If you would ask any pro player will they beat a Korean team? I believe only a Chinese team would have answered positive. Probably if Riot decided to allow their young super-star Rekkles to play, they would be considered one of the favorites of the tournament. The best example might be Starcraft. What are the chances that will happen again? How strong are the different participating regions?

Examiner: The League of Legends World Championship is starting on Sunday. For those who like risk Mineski and Fnatic might be the black horses of the group stage and Royal Club if they find their momentum might even win the whole tournament.

Examiner: Are people winning (or losing) hundreds or more dollars?

JF: We offer ongoing bets on most offline and the biggest online events. After the World Championships there will still be bets on Starseries, WePlay Dota2, and WCS available.

Examiner: How big does the betting get on How many people are participating?

The first, biggest event after Worlds will definitely be Blizzcon on 8-9 November. We accept all customers with exception to ones in Colombia, Hong Kong and Switzerland currently.

JF: We believe the odds are for it. We also have very good LOL specialists, who already multiplied their money over 10 times as well.

Examiner: Can you explain how a LoL fan would go about betting on the championships with your site?

JF: Our license grants us the right to operate internationally. We plan to offer live bets for it as well.

Visit to place bets on the League of Legends World Championship starting on Sunday, Sep. Then just click on the odds you would like to bet. If they find themselves rolling they might get unstoppable, otherwise they probably wont pass the quarterfinals

“We Are Spirits in the Material World”

In each moment, unless were absolutely at peace, karma is being generated, as this universal law is a perpetual motion machine of action and reaction, cause and effect.. If we view our relationship with all of Life as our primary relationship, then we can choose to make love with All That Is in each moment from the heart and soul or not.

II. Our true nature is ultimately one Being with billions of faces.

Here are some tips to make the most of our relationship with co-creative power, especially if weve been wondering Whats the point of it all?:

If you think that all your external actions have no karmic consequences, think again! This is exponentially true now, with action planet Mars stationing retrograde on April 17 and transformational Pluto doing the same less than a day later, creating spiritual repercussions from our choices which will be affecting us through the Summer, Fall and beyond.

In Mid-June, just as psychic Neptune in spiritual Pisces stations retrograde, whispering go within as it always does for the summer season, we also have beneficent Jupiter dancing with the North Node of Destiny in service-oriented Virgo. Being grateful for what is, just the way it is on the sense level, emotionally, and through our perceptions by always focusing on the glass as half full. The powerful energies building now remind me of Stings lyrics (if channeled by the Lords of Karma:)):

1. Communing with all of Life as a manifestation of the Divine or Tao as our primary relationshipand this includes nature and human naturethrough spiritual and mind/body practices every chance we get.

Joan Pancoe is a spiritual teacher, trance channel, karmic astrologer and psychic therapist in private practice in NYC since 1976. And, yes, we will be tested, as alwaysso we need to watch for backsliding.

We have at our disposal: survival/grounding power, sensual/creative power, personal power, heart power, channeling power, psychic power and spiritual power. Not distracting ourselves from being fully present, moment by moment, to whatever is presented is ultimately the goal of the Earth Game.

Every breath you take

Every move you make

Every bond you break

I’ll be watching you

Sex is just an example, for in reality, with all our choices and actions, were either operating at a soul-level of consciousness and evolving or devolving as automatons. Theres nothing left to do once weve embraced the above truths except to pass them on viscerally to others with an open heart.

The root of the word psyche comes from the Greek for soul. Theres nothing like craving and the greed for more, different or better to keep us spinning on that infinite karmic wheel.

In the 112 Tantric practices listed in the appendix of my Spiritual Practices Reading List, the senses, emotions and perceptions are all an integral part of the spiritual path as a way to commune with the Divine in manifest form. Her services include soul readings, karmic astrology, psychic therapy, phone consultations, spiritual counseling, Taoist energy arts and psychic empowerment.

For more, click here: TAOIST PRACTICES

In the Tantric traditions, making love may be one way of communing on the soul-level with a partner as a vehicle for merging with the Divine and in the Taoist traditions with the Tao. Sharing love with family and friends by being there for them and for Self as needed gives much more meaning to our lives than endless external achievements and accumulation of more and more stuff.

2. Doing that is much more likely to allow what we desire to flow into our laps with no effort at the perfect timeespecially if we dont need it anymore because we are content just as we are.

3. How could it not be?

In closing, here are some final perspectives to contemplate:

Both of our power planets are now encouraging us to look for the deeper spiritual meaning and significance of how we develop our gifts as co-creators for our highest good, and not just to feed our endless ego desires of what we think we need, but, in reality, just want. Its up to each of us to use our discriminating mind in choosing which levels of power are appropriate to be utilized in any given situation.


When you do things from your soul, you feel a river moving in you, a joy.

When actions come from another section, the feeling disappears. All our choices and actions are intrinsically imbued with our psychic or soul energy. Letting go of the idea that If only people, places or things were more to my egos liking, then Id be happy.

These planetary retrogrades encourage us to go within and are reinforced by karmic teacher Saturns retrograde already in force since March 25. I call that deep cover, meaning were here on assignment, but weve forgotten what it is. Life just as it is presented in the Earth Gamein all its horror and splendoris the perfect vehicle for our awakening.

And what is the nature of power? Power is pure, neutral co-creative energy from the Universe, of which there is an infinite supply, that we are learning how to use through all seven chakra levels of consciousness in a balanced and integrated way as souls incarnate in the physical plane.

Now, with both Mars and Pluto stationing retrograde almost simultaneously, the Universe is supporting the focus of our attention on how and why we use power on all levelsor are afraid tobecause of limiting karmic beliefs about the true nature of power and our worthiness to own it.

4. This gives us the wind beneath our wings to fly higher in our spiritual evolution by making conscious choices that are not karmically regressive. This season and in the seasons to come, a major theme is looking at how we distract ourselves from being present with our monkey-minds, thus sabotaging our ability to take full conscious responsibility for how we relate to life through our actionsor inactions.

Dear ONE,


Author’s Bio:

You can contact Joan at: 212-982-6820

or visit her website at

Author’s Bio:

Why is this especially important now? Because Mars governs the use of personal power through our lower centers or chakras, from the midpoint of the heart center moving downwards, and Pluto governs the use of transpersonal power through our higher centers, from the mid-point of the heart center moving upwards in our vertical channels.

For those of you who are having a hard time with tip #2 above, please remember: That which we resist persists, but letting go and accepting the reality of the Now is a very high spiritual action. In the Taoist tradition, there are five ways or modes of meditative mind/body practices to merge with the Tao, the Flow of Life: standing, sitting, moving, lying down and through sexual union.

Every move you make

Every vow you break

Every smile you fake

Every claim you stake

I’ll be watching you

The best spiritual benefit of this time is to recognize that how we use all our energies has soul-level ramifications, whether were conscious of them or not. Rumi

Smiling with the cosmic humor of it all,

Once we own our power and consciously choose to only manifest what is for our highest spiritual good, this always equatesas a Divine lawinto the highest good for all concerned. (I used to read holocaust memoirs as needed to maintain optimal gratitude levels:))

IV. However, if it is viewed as a purely physical act, and experienced as such viscerally, we are devolving instead of evolving.

I. This means that not only is sex a psychic act (if its done right:)), but truly all our activities in Life are on a continuum of being either heart-centered, connected and soulful or heartless, disconnected and soulless.

Every single day

Every word you say

Every game you play

Every night you stay

I’ll be watching you


How to Play CoasterVille on Facebook

As long as you have room you can build it in segments until you have a giant roller coaster. Rides can also be upgraded to produce more coins or other items.

Making Money in CoasterVille

Making money in the game is simple. There are many rides such as a ferris wheel, bumper cars, a roller coaster, and the typical carnival fare. One of the bet aspects of the game is the customized rides where you lay individual segments of a roller coaster or other ride and then change the shape as well as the color of each segment so you have your own unique ride in your park. The goal is a simple one just construct up your own amusement park with rides, food booths, stores and other structures. You can expand to new areas and build a gain roller coaster if you want. Each item in the game store has its own popularity rating so you can see what the addition of that amusement park ride to your park is going to gain you.

Adding Attractions

The game has a number of attractions you can add to your amusement park area. You start with a bit of game cash so this is the best option to go with for gate upgrades. These will bring guests into your park and keep them happy. By upgrading them you’ll be able to collect more coins.

Learn how to play CoasterVille with this game guide to the new Facebook amusement park building game by Zynga. Customize your own special ride such as roller coasters with individual segments. One you reach a certain limit of structures you’ll need to upgrade the front gate by asking Facebook friends or by using game cash to upgrade. These points are needed to build new structures in the game. Add these to your amusement park and collect coins from the structures. You can change the segments to different angles, add color and make the coaster your very own. Purchase businesses like a hot dog stand, popcorn vendor, or a sunglasses shop as well as a ton of others. Its easy to redesign it once the coaster is built because you can change the segments around with ease. Its the fun part of the game because each roller coaster is unique. Structures take time to fill up so be patient and you’ll spend one energy point each time you collect your cash.

Custom Rides

The best part of the game is the ability to grow and expand a roller coaster. By adding new attractions and decorations youll raise your popularity rating which unlocks new items. This game allows you to build up your own amusement park complete with rides, decorations, businesses and other items. You can add several coasters to your park.

Fun Amusement Park Building Game

CoasterVille is one of the best Zynga games to date and it’s fun to play. If you like roller coaster building games or just want to build a fun amusement park on Facebook then CoasterVille is well worth checking out.

. Keep your guests happy and respond to their moods. As you play youll collect cash from businesses and use goods to construct structures. Build the best amusement park around with this fun game.

Playing the Game – Basics

CoasterVille isnt a hard game to play and like most Zynga game sit has the annoying energy button so you can only do so much at one time. Boosting a ride will bring park patrons to the ride but if you do it too much the ride will start to smoke and may need repairs. All rides boosted and when you boost a ride you’ll gain popularity points. Later there will be a resort added to the game for further expansion

Applying Hedge Bets

It can be a bet on the same runner, but instead of an on-the-nose bet, it will be a to-place bet or an each way bet. Although this software, known as the hedging bet calculator, is not totally fool-proof, there are a lot of Internet takers.

Hedging is one of the oldest, if not the most prominent horse betting strategy in the history of horse racing. Nonetheless, the difficult part of handicapping the playing field still rests on the players ability to narrow down runners in an event.

Author’s Bio:

Jimmy Mayon (MBA, BSEE) is a technologist with an enthusiasm for Horse Racing. Seasoned bettors usually have worked out their own system to calculate the odds either stacked against or in favor of their chosen runners. During the last 25 years he has been managing banking and online transaction processing technologies for private and public sectors. This basically means that you are betting on your chosen runner to finish either 1st or 2nd place. players commission rate, stake money and odds used to back or lay the runner) and let the tool calculate a players potential net gain on the outcome of the race. The term in-the-money means you are placing a wager on your chosen horse when and if it lands on 1st, 2nd place or 3rd place.

Another type of hedging bet is to place savers on a horse or two to-place, or simply subscribe wagers on the exacta box at the betting office or on an online betting exchange or with a bookie. Usually, hedge bets like these are considerably smaller in monetary units than the normal bets this translates to less margin profits. Choosing a likely winner is difficult enough; handicapping the racing field to a couple of potential contenders is even more difficult. Today he specializes in open source development using Java, PHP, Linux, and MySQL.

. You can also place savers on three other horses with an in-the-money type of wager, or an each way bet. The calculator is completely automated and is very easy to use. All a player has to do is to enter some pertinent data (i.e. One more disadvantage to hedge bets is that: like everything else in a race horsing event, this entails money so unless you really have enough to place on one or more hedge bets, hedging is out of the question.

Some online betting arenas are offering a more simplistic solution to computing hedge bets. This is because hedge bets are merely collaterals or guarantees that the bettor will not go home with just a losing ticket stub in his pocket.

However simple as this betting strategy sounds, placing hedge bets anywhere is actually a complicated process that even seasoned bettors still struggle with. These additional wagers or hedge bets or so-called savers can come in different forms. Basically, it means that you place a normal or on-the-nose bet on the runner you desire; at the same time, you make additional wagers on two or more horses, just in case your runner falls short at the finish line

What is Silver and Why You Should Invest

Check out The Silver Institute website for more uses and info.

Well, I didn’t pay attention in chemistry but…I’ve always known silver was shiny stuff! Silver is a metallic chemical element with the chemical symbol AG and atomic number 47. There is a reason Robert Kiyosaki has dubbed silver “The Best Opportunity I Have Ever Seen.”

The price of silver is VERY volatile, so investing in this metal is not for the faint of heart. However the price of gold is currently much more higher than silver. The price then shot up to $49, only to crash down to earth around $30, where it is today. There is a long list for the uses of silver but it is primarily used today for investment purposes and in factories.

Why Invest in Silver?. With gold at $5k, which many experts are predicting, that puts silver at $312.

2) Buy the stocks – Look up companies that mine the metal. This is based on a gold price of at least $2,500. Considering that the average long-term ratio of the price of gold to silver is 16 to 1, I think this is reasonable. Gold has primarily one use besides jewelery, and that is investment or hoarding. Do your due dilligence.

*There is no metal lsubstitute for silver, except gold. Silver is a whole ‘nother story. According to The Silver Institute, Silver has the highest electrical conductivity of any element and the highest thermal conductivity of any metal. It’s important to think long-term and not get caught up in the day-to-day fluctuations in price!

Silver could even be worth upwards of $1,000 an ounce one day! Then we could be looking at the next huge bubble. That is VERY important, because this means it is perfect for use in many industrial applications.

1) The coins or bullion – Buy online. If we are headed for inflation sometime in the future, which I believe we are, then we could be looking at a potential silver shortage.

Ways to Invest in Silver

You name it – Batteries, Solar Panels, Jewelry, silverware, coins, photography, medical applications, dentistry, etc. Both are monetary metals. Dealers such as or are a pretty good bet.

3) Buy Jewelry – Buying gold and silver jewelry isn’t thought of as an investment by many, but it certainly is! If the price of gold and silver rises in the next few years, as I believe it will, so will your jewelry.

I wish you the best of luck in your investing.

Silver is a very interesting investment, just like gold. But unlike gold, which is primarily a monetary metal, silver is also an industrial metal with many, many uses! Add to the fact that silver investment demand is growing at as astonishing rate, and you have one absolutely compelling investment opportunity.


Price Forecast

Long-term I believe Silver could be worth well over $250. Now that the monetary aspect of the metal has really come into play, with Quantitive Easening and inflation fears thrown in the equation…this presents a rare opportunity.

Here are just a couple:

Think I’M crazy? Robert Kiyosaki, author of the best-selling Rich Dad Poor Dad, recently predicted a $6,000 an ounce price!

4) Buy ETF, Mutual Funds, or Futures.

What is Silver?

Although gold is seen as the king of precious metals, it shouldn’t be. Only if the silver price surpasses the gold price, would people consider using gold for current silver uses.

The Uses of Silver

Because quite simply, demand is growing (especially coins) and supply is dwindling. As the price increases, the profit margins of these companies typically does as well. I have been a buyer since it was in the low-20’s

Enabling Sports Betting Via The Internet

It allowed its clients who loved playing poker, roulette, backgammon, bingo and various other casino gambling games, to participate in sports betting via the Internet. The best place for qualifying for the five top World Championships in Online poker, normally, originates here. With 888sport, the customer will have something to look forward to, other than just the excitement of winning.

While on the subject of gambling, PokerStars poker tournaments are famous for their variety of games and buy-in levels. In addition, the site gives the better the chance to have complete control of his account, but they do interfere if the bettor wants help to restrict his spending. PokerStars also conduct WCOOP, SCOOP, TCOOP tournaments as also the Sunday Million and Sunday Warm-up tournaments, which attract the best in online poker. They have an exclusive I-card, using which, participating in online horse betting takes the client on to a very different dimension.. In live betting, you can keep up with the game and wager a bet at any time when you feel you have a feel of the game and how things would be going.

At 888sport, they cover any kind and any amount of betting on various games like cricket, football and other sports, inclusive of politics and TV bets for programs like Big Brother and X-Factor.

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The 888sport was born in the year 2008

Bank Reform Bait and Switch

The Lincoln derivatives language tackles another set of issues. The major loss to banks is their inability to sell and trade without disclosing the prices they charge.

I asked Jane D’Arista, the former staff economist for the House Banking and Commerce Committees, whether a strengthened Volcker Rule was a fair trade for Lincoln. This makes it difficult to know the aggregate position of the bank or have adequate information about its risky trades,” says D’Arista. Even with requirements for clearing and trading standardized contracts on exchanges, it is easier to hide how much over the counter business they are doing using non-standardized contracts. But big banks would still be allowed to deal and trade on behalf of their clients and their derivatives business would still be backed by the taxpayer guarantee. Merkley-Levin would make this reform a statutory ban rather than leaving it to the discretion of regulators and would further crack down on Goldman-style conflict of interest trading. So why is it that Senate and House leadership are now busy behind these scenes trying to kill the best provisions in their own banking reform legislation?

When the Senate bank reform legislation passed in May, Senate Majority Leader Harry Reid said it sent the message to Wall Street “no longer can you recklessly gamble away other people’s money.” The bill told Main Street “you no longer have to fear that your savings, your retirement or your home are at the mercy of greedy gamblers in big banks. Neither is the U.S. “Right now the big banks make up 90 percent of the derivatives market. D’Arista helped walk me though the Lincoln reforms that are not addressed by the Volcker Rule or Merkley-Levin. The CFTC estimates that 90 percent of the derivatives market would be covered under the Senate version of the bill but only 60 percent under the House bill. “One of the real virtues of a separate derivatives affiliate is that it increases transparency. Treasury official Michael Barr has been running around telling anyone who will listen that these derivatives rules were not part of the administration’s four “core objectives” for financial reform. No other measure in the House or Senate bill does this. This is called propriety trading and banks would be barred from trading any financial instrument (mortgage backed securities and stocks as well as derivatives) for their own as opposed to a customer’s account. Lincoln’s proposal to force the big banks to spin off their derivatives desk would separate the risky business of marketing derivatives from the Federal Reserve window, FDIC insurance, and the taxpayer guarantee. And it says to them: never again will you be asked to bail out those big banks when they lose their risky bets,” according to Reid. D’Arista, who is a big supporter of both reforms, says the two measures are simply not interchangeable. It is hard to believe that Harry Reid will stand by and let the Treasury Department, Dodd and Frank gut the best parts of the bill that he lauded himself.

Protects States and Localities from Abusive Swaps: The Lincoln language contains a dozen other incredibly powerful safeguards including: a provision that would impose a “fiduciary duty” on a swap dealer entering into swaps with government entities such as states, municipalities and pension funds; a provision to allow regulators to prosecute persons who knowingly or with reckless disregard use false or misleading information to impact the price of any commodity such as food or oil; and a whistleblower protection program at the CFTC to encourage citizens to report fraud and abuse in the financial markets. In contrast, the Lincoln language forces these trades to be conducted by a stand-alone affiliate, regulated by the SEC and CFTC, that would be required to provide real-time information on its aggregate position and the volume and pricing of trades. The bill passed by the Senate did protect the taxpayers from reckless gambling by the big banks, largely due to the last minute inclusion of strong derivatives reforms authored by Senator Blanche Lincoln (D-Arkansas). When they put their trading desks into a separately capitalized affiliate, the huge capital reserves of the bank itself will no longer be there to back their enormous derivatives positions and the outsized scale of the derivatives market relative to the actual needs of commercial end-users. .

Behind the scenes, Senate Banking Chair Chris Dodd and House Financial Services Chair Barney Frank have made it clear they are not fans of Lincoln’s proposal.

Closes Major Loopholes: Another big plus is that the Lincoln language closes the $60 trillion foreign exchange swap loophole in the House version of the bill. Sign the petition today and let your member of Congress know how you feel about strong bank reform. Treasury Department. Campaign for America’s Future, CREDO and MoveOn are spearheading a “No Backroom Deals” campaign to force the conference committee to do its dirty work in the light of day.

Reid was correct.

Removes Taxpayer Liability for Wall Street Gambling: According to D’Arista the Lincoln language “lets banks be banks again.” D’Arista can’t understand why taxpayers are being forced to back up the business of marketing risky derivatives in the first place.

Unique Reforms in the Lincoln Derivatives Language

But these opponents of strong derivatives reform have a big problem. “There was no precedent or understanding in law or practice that this should be the case prior to the 2008 financial crisis when investment banks reorganized as bank holding companies to gain access to Federal Reserve bailout money,” says D’Arista. Bank affiliates could still serve bank customers. Lincoln’s proposal to force the big banks to spin off their derivatives desks into another, separately capitalized corporate entity is the top target of the big bank lobby which has spent $600 million so far in an attempt to defeat reform.

Engenders Competition and Reduces Risk: D’Arista says the Lincoln bill would also engender old fashion capitalist competition in the derivatives market. These derivatives would be treated like any other swap and be subject to mandatory clearing and exchange trading.

Ends the Shadow Market: Lincoln proposes to spin off the derivatives desks into separately capitalized affiliates. They will replace the Lincoln language with the strengthened version of the Volcker Rule offered (but never voted on) by Senators Merkley (D- Oregon) and Levin (D-Michigan).

On Wednesday, a House-Senate conference committee will begin work aligning the two versions of the bank reform bill. The smaller capital reserves of the affiliates will tend to shrink banks’ share of the market and open the door to other entrants.

“Zero Overlap” Between Proposals

House Majority Leader Nancy Pelosi said this week that she supports the Lincoln language and strong derivatives reform. They want to convince everyone that a strengthened Volcker Rule takes care of all the issues raised by Lincoln.

The Volcker Rule deals importantly, but narrowly, with derivatives trading for a bank’s own account. They are separate reforms designed to do very different things,” says D’Arista. If derivatives transactions occur within the bank, they are necessarily off balance sheet as a contingent liability or asset. They can’t just yank it out of the bill with an outcry from consumer advocates and reform groups like Americans for Financial Reform who have been working hard on the issue. “There is zero overlap between the prohibitions in the Volcker Rule and the Lincoln derivative desk push-out proposal. Plus it expands the list of counterparties in the system, reducing the risk to the financial system as a whole,” says D’Arista. So they have cooked up a new scheme

Northampton seeks gambling money to join crime database

to update computer systems and enter existing information from 27 Northampton County police departments and the county prison into the RIIC database. Lehigh County commissioners recently warned Martin to find partners to share the burden of funding the RIIC or risk losing their support. Computer Aid created the initial RIIC database and network used by all of the departments in Lehigh County. I think they have always supported it philosophically,” he said.

Reporter Tom Shortell contributed to this story.

Lehigh County District Attorney James Martin and Northampton County District Attorney John Morganelli, supported by county and city officials, jointly funded a study in 2006 into the feasibility of creating a searchable database of law enforcement records for the Lehigh Valley.

“Initially it was a $500,000 cost and there was no way we had this kind of money in our budget, Morganelli said last week.

Larry Palmer, the Palmer Township police chief and chairman of the Northampton County Chiefs of Police Association, supports the effort. My detectives will sit for hours and try to link phone numbers in a case.”

While the redevelopment authority’s grant would fund entering Northampton County law enforcement records into the RIIC database, it does not cover the yearly costs of continuing input and use.

“This is the first step, to get integrated,” acknowledged Palmer, the chief in Palmer. He did not include an estimate of how much that would be, instead noting that it is a negotiable amount “based upon usage; per capita; and/or UCR (Unified Crime Reports) numbers.”

Dalrymple, who submitted the application, declined to comment on it before Monday’s vote.

The searchable database includes prison records, arrest records, traffic stops any reports that police create and are filtered into the system. During a recent demonstration, Julia Kocis, director of the RIIC, clicked through arrest records that showed the names of everyone else in a car and then used those names to track down the arrest records of those people.

The application calls for $407,000 of gaming money to be paid to Computer Aid Inc. The 11board members appointed by Northampton County Council represent Bethlehem and the surrounding municipalities.

If a grant funded by gambling revenue comes through, police reports from 28 law enforcement agencies in Northampton County would be added to the Regional Intelligence and Investigation Center, or RIIC, a database that right now holds more than 4 million reports ranging from homicide arrests to prison phone records but only from Lehigh County.

That would allow investigators to access RIIC for Northampton County reports, which could be anything from the arrest records of suspects, the cars they drive, their nicknames and, if they spent time in prison, the names of friends who put money in their prison commisary account.

Lehigh County paid more than $831,000 to keep the RIIC in operation in 2015 and it will cost $913,000 in 2016, using money from the county budget, the district attorney’s budget, drug forfeiture money and grants from the Pennsylvania Commission on Crime and Delinquency and the Trexler Estate, according to county records.

That inmate admitted to police he had driven someone nicknamed “Los” or “Slime” to the club on the night of the homicide in the woman’s SUV. Commissioner Brad Osborne said he was encouraged to learn of Northampton County’s grant application, saying it showed an intention to back a critical tool for law enforcement.

Each year since the RIIC opened, Martin and Morganelli have spoken about getting Northampton to join the RIIC. Last year the redevelopment authority granted Bethlehem $400,000 for a fire engine, $120,000 to Bethlehem Township for an ambulance and another $101,000 to the township for two police cars.. “I’m glad that Northampton County is willing to support the RIIC financially. And, according to the application, police have known criminal organizations to launder their money by getting casino chips and cashing them.

Martin said he expects the cost to Lehigh would go down if Northampton was brought on board, but he said there is no estimate of how much that would be.

“The request for funding will also include a continuing request to assist in funding operations,” Dalrymple wrote in the application. Using the RIIC, they discovered an Emmaus woman owned a CRV who otherwise had no connection to the crime, but had visited a prison inmate in the past.

EASTON Cops in Northampton County may soon be able to solve a murder with a few keystrokes and little more than a phone number or a vehicle description.

Police said it makes sense to use gambling grants to fund the RIIC database, since there have been more than 800 records entered into it since 2014 that make reference to the casino. Investigators then searched the RIIC database for people with those nicknames and found they were both listed as Rodriguez’s nicknames in a previous arrest report.

If the grant is approved, the project would begin in June and be completed by late July 2017, according to the application.

Police say the information would be a boon in helping solve crime, and the $407,000 grant would solve a longstanding funding problem that’s kept Northampton County from joining the RIIC.

The Northampton County Sheriff’s Office filed a grant application with the Northampton County Gaming Revenue and Economic Redevelopment Authority, which may vote Monday night on the application filed in March by Sheriff David Dalrymple.

Investigators had a description of an SUV they believed was a Honda CRV or a Volvo and a list of people in the Lehigh Valley who owned those vehicles. He said that despite only containing information from Lehigh County, the RIIC assisted in solving crimes for the Easton, Bethlehem, Bethlehem Township and Colonial Regional police departments.

The example Martin often uses in touting the benefits of the RIIC is the case of Ulysses “Slime” Rodriguez, who was convicted of killing another man in 2013 outside a strip club in west Bethlehem.

“A lot of smaller departments don’t have the manpower to go through these reams of documents we get when you subpoena the telecommunication companies for records,” Palmer said. And each year, Morganelli said, he hasn’t had the money.

Grants are given out by the redevelopment authority to local governments impacted by the Sands Casino Resort Bethlehem, which funds the grants through gambling revenue. “We would have to find additional money to sustain participation on a yearly basis.”

Northampton County’s grant application comes at a critical point in the RIIC’s history. “[The RIIC] can do it all on a fairly fast basis. Police departments in Bethlehem, and the boroughs of Walnutport, Northampton and North Catasauqua currently participate in the RIIC.

But while Martin opened the RIIC seven years later in Allentown with more than $1.3 million in federal grants and $500,000 in Lehigh County funds, Morganelli has not been able to get onboard.

There is no estimate in the application for how many records would be added from Northampton County.

But earlier this year, Morganelli and Martin said, they were talking about other matters when Martin suggested using gambling revenue to fund Northampton’s entry into the RIIC

Nevada legalizes online gambling – CBS News

The Senate passed it at midday and sent it to the governor’s desk for signature.

Horne, in turn, had equal accolades for the Republican governor.

He praised legislators for their swift action and commended Assembly Majority Leader William Horne, a Democrat from Las Vegas, for shepherding the bill.

Gambling regulators will now come up with regulations dictating compact parameters.. New Jersey Gov. All Rights Reserved. Senate and Assembly judiciary committees approved it, sending it to the Assembly where it passed unanimously. Sandoval had pushed for companies that want to offer online gambling to pay a $500,000 fee, while Horne, in the original bill draft, proposed $1 million.

Under a compromise, the fee was set at $500,000, though it gives the Nevada Gaming Commission authority to change the amount. But when those efforts failed in Congress, Sandoval said Nevada would work toward agreements with other states.

Sandoval and Nevada legislative leaders said it was important for Nevada to remain at the forefront of gambling regulation.

Sandoval, a former chairman of the Nevada Gaming Commission added, “This bill is critical to our state’s economy and ensures that we will continue to be the gold standard for gaming regulation.”


Several other states began looking into online gambling after the Department of Justice issued a letter in 2011 stating that the federal Wire Act of 1961, often used to crack down on gambling over the Internet, only applies to sports betting.

“As to our competitor, New Jersey, they should be accustomed to following Nevada,” he said.

“We have the most mature financial, auditing and collection capabilities, much greater than some of those states, and they have the players,” he said.

Partnering with other states gives Nevada an expanded customer market and provides other states with Nevada’s expertise in gambling regulation.

AB114 authorizes Nevada to enter into compacts with other states to offer Internet poker. A renewal fee was set at $250,000. The bill approved Thursday resolved a disagreement between Horne and the governor’s office over licensing fees. This material may not be published, broadcast, rewritten, or redistributed. Brian Sandoval signed legislation Thursday legalizing online gambling in Nevada, capping a dizzying day at the Legislature as lawmakers passed the bill through the Assembly and Senate as an emergency measure.

2013 CBS Interactive Inc. The Associated Press contributed to this report. “Today I sign into law the framework that will usher in the next frontier of gaming in Nevada.”

Pete Ernaut, a lobbyist representing the Nevada Resort Association, said expanding the customer base was key.

Horne couldn’t resist at jab at Nevada’s gambling rivals.

“It’s imperative for the success of this that we compact with other states because we don’t have a universe of players,” Ernaut said.

The measure makes Nevada the first state in the country to approve interstate online gaming, notes CBS Las Vegas affiliate KLAS-TV, adding that it was put on the fast track Thursday. It sailed through both the Assembly and Senate on Thursday after a joint hearing before the two judiciary committees.

“This is an historic day for the great state of Nevada,” Sandoval said, flanked by dozens of state lawmakers.

Nevada wanted to beat New Jersey, its East Coast casino rival, to the online gambling punch. Chris Christie previously vetoed an online wagering bill but has indicated he may sign an amended version next week.

“This was a lot of work and it couldn’t have been done without the governor’s leadership and vision,” he said.

The benefit for other states, he said, is Nevada’s “most mature regulatory infrastructure.”

AG Burnett, chairman of the Nevada Gaming Control Board, said the state already has about 20 applications from various operators, equipment and software vendors to be licensed for online gambling.

Lawmakers in 2011 passed a bill that put Nevada in position to legalize Internet gambling if the federal government sanctioned it