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Month: January 2019

Top 3 Tips for Serving Dishes

Posted on January 8, 2019 in Uncategorized

Many people always hold parties using serving dishes. Others go about it the wrong way, get bogged down, and fail with the right type. One secret to successful completion is to get a detailed knowledge about them, and this will take you on the right road. Failing to doing this right may have disastrous consequences. You can actually find yourself embarrassing condition, or perhaps broke the good mood of party.

Listed below are a trio of tips to protect against that sort of failure, and succeed.

1st, choose the proper design pattern. You need to go to the marketplace to have a look at the design patterns, because that will assist you to avoid choosing the wrong kind. So please do not make the error of disregarding this important point.

Second, it is the function and the occasion you are going to consider. Nearly as essential as the design pattern whenever dealing with serving dishes is to use the right type in right occasion such as formal or casual. I am here to tell you, you won’t want to overlook this.

Finally, purchase these serving dishes carefully on the Internet. When you’re buying these dishes online, be sure that is a legal company. This would assist with saving your money such as shipping fees, and that is important to buy the normal quality. Failing that you may be cheated by some frauds. And I believe we could agree this would not be good…

As stated above, if you want to achieve success at holding a party with these dishes, you need to stay away from the forms of errors that might cause you to wind up the embarrassing condition, and even broke the good mood of party. What you want is to buy the tight serving dishes, and you may reach this by following the tips above.

Breaking Dishes in the Credit Market

Posted on January 6, 2019 in Uncategorized

Parents have a sixth sense that warns us when a small child has been too quiet for too long. We call out “What are you doing?” and the little munchkin chirps back, “I’m helping you! I’m washing all the nice china!”

The next thing we hear is a loud crash.

So it goes with President Obama and the current Congress. They want to help, but they just can’t keep from breaking the dishes.

Take, for example, their latest effort to ensure that investors get adequate information from credit rating agencies. The legislative fix was included in the recently passed financial regulatory reform act.

Thanks to this particular reform, would-be buyers of the affected securities now receive no ratings at all. Oops.

The Securities and Exchange Commission has for a long time required asset-backed securities to have ratings from established agencies like Standard & Poor’s, Moody’s or Fitch. Asset-backed securities are instruments such as auto loans that are packaged into bonds before being sold to investors.

When the credit markets crashed, it became evident that many of these securities were riskier than the agencies had thought. The bonds lost their Triple-A ratings, and their values plummeted. Investors lost a lot of money.

The financial legislation that Obama signed on July 21 attempts to make the credit ratings agencies more accountable for their perceived failures. These firms now are exposed to claims of “expert liability,” the same legal risks facing accountants and other parties involved in bond sales.

The agencies’ response was quick and definitive. They stopped letting bond-sellers use their ratings. Rating agencies do not have crystal balls. Sooner or later a security they’d rated highly would be bound to default, leaving the raters on the hook under the new standard. The only way the agencies could ensure that they would never be wrong was to get out of the guessing game.

This was a potentially shattering development for the president and his fellow Democrats on Capitol Hill. One of the keys to getting the economy rolling again is to restore a healthy flow of credit, as voters are likely to remind Washington in November. Asset-backed securities are essential to the credit market because they allow lenders to quickly recoup most of their funds so they can lend again.

But SEC rules require the investment bankers who create such securities to have them rated, and the new law made this impossible by prompting the rating agencies to quit a game that now seemed rigged against them. The market for these asset-backed securities was immediately dead in the water.

As a result, the SEC temporarily suspended the rule requiring securities to be rated.(1) This six-month suspension, in theory, is to allow credit rating agencies to implement policy changes to comply with the new law. In the meantime, securities will be sold without ratings.

What will be different in six months? Nothing, other than the upcoming elections will be history – though the SEC would never acknowledge that political considerations enter into its rule making.

Actually, one more thing will be different six months from now: we will have a new Congress. Maybe the incoming group of legislators will be mature enough to fix the new law so the ratings agencies will conclude it is safe to re-enter this line of business.

Or the SEC might just let the marketplace decide whether it needs ratings at all. If the asset-backed securities market can function during the next six months without ratings, then the original SEC requirement will be exposed as having been pointless, and the new liability standard will stand as nothing more than an attempt to give unhappy investors one more deep pocket to sue.

It’s pretty upsetting when valuable things get broken, and it’s easy to get mad if you have repeatedly warned your little tyke to stay out of the china closet. But we must be patient with little children, inexperienced presidents and congressional Democrats. They are only trying to help.

Sources:

(1) Bloomberg Business Week: SEC Grants Six-Month Delay on Asset-Backed Ratings Disclosure

Can You Be Clean, Green, and Legal?

Posted on January 5, 2019 in Uncategorized

You may have seen something on the news about Spokane, Washington where there is now a ban on dishwasher detergent made with phosphates. While this may seem to be an isolated case, there are actually several states (including the rest of the state of Washington) that will make dishwashing soap made with phosphates above a very small level illegal in 2010.

What is phosphate anyway and why is it used in dish washing soap?  Phosphate is an inorganic chemical that is a combination of salt and phosphoric acid.  Because it can clean things like hard water stains, and grease, phosphates are used in all kinds of things including dish washing soap. 

Why all the fuss?  Phosphate is a problem when it finds its way to freshwater rivers and lakes.  The phosphate encouraged the growth of algae which depletes the oxygen in these rivers and lakes, killing off fish and other wildlife. 

While there are green alternatives out there, deleting the phosphates from the dish washing soap can leave one unsatisfied with the resulting product-and a lot of dirty dishes.  Plus some of these green alternatives are pricier than their cheaper phosphorous counterparts.  This has caused people to travel outside their state to obtain contraband detergent from other states-which, of course, defeats the purpose of the bank in the first place. 

What should you look for in a green dish washing soap?  Are there green products that work as well?  While there is no direct substitute for phosphorous, but there are other substances that can be used.  How well they will work depends on a number of factors, perhaps the most important being the hardness of the water used for cleaning.

One ingredient that be used is a surfactants.  Surfactants are usually biodegradable and are used to provide cleaning power and increase the ability of the water to separate the soil from the dish. Anionic surfactants work well as detergents, but can be less than effective in hard water. Amphoteric surfactants are used for their foaming power and can often be found with anionic surfactants. There are other substitutes for phosphates, but these can be even more dangerous than the phosphates. They include nitrilotriacatic acid (NTA) and caustic alkaline chemicals (which are particularly dangerous when ingested-as sometimes happens with children).

It may take some trial and error to come up with the phosphate substitute that works best in your water.  It is unlikely that the ban on phosphates is going away, so it is better to start exploring the options now.  In the meantime, the soap manufacturers continue work on the perfect phosphate substitute, but there are some excellent alternatives out there.

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