ты беременна? ну что ж, поздравляем!
помни, беременность - это большая ответственность,
огромная радость и море незабываемых ощущений!

и в конце этого пути тебя уже ждет маленькое чудо

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176 \| 2013-11-15 iphone5c ???	given your four-plus-decades as a supreme [print] political satirist? Bills special in so many ways.John W.Starting in about 2000,Of course due to some brain-dead defense. No, July 8 2013Who knew The federal government knows how to make a profit Or as Warren twice said in arguing for a cut in interest rates on student loans: "obscene profits"Warrens eye-popping figure suggests that the federal government is in the realm of Apple Inc () and Exxon Mobil Corp ()But theres a reason why accountants will one day inherit the earth The numbers look dramatically different tens of billions of dollars different depending on which arcane method of accounting you use The FactsLacey Rose Warrens press secretary was quick to turn up a source for this figure: the nonpartisan Congressional Budget Office She pointed us to a showing that outlays in the student loan program will be a negative $51 billion (in other words a gain for the government) This figure includes $15 billion from a re-estimate of the cost of the student loans disbursed in previous yearsA technical point: these are actually "" not profits as one would understand in the business world But heres the bigger problem: CBO has suggested that it doesnt like these figures because they potentially underestimate the cost of the loans to the American taxpayer By law CBO must abide by rules established by the Federal Credit Reform Act of 1990 meaning that the cost of the loan is recorded in the federal budget the year the loan is made with the cash flows discounted to a present value using interest rates on Treasury Securities Theres now a large gap between the cost of student-loan rates (68 percent or 79 percent unless Congress acts) and the rates on 10-year Treasury notes (estimated to be 21 percent) so voila big "negative subsidies" are recorded Before the 1990 law was passed the government simply tallied only the outlays and receipts for federal loans That was considered too simplistic because it masked long-term costs (The Congressional Research Service offers of the reasons for the law and the concepts contained in it)But CBO suggests the post-1990 method is just an accounting method obscuring tens of billions of dollars in potential losses In particular the agency says that the current rules do not "consider some costs borne by the government" such as fully accounting for the risk of default especially in hard economic times So CBO has for considering replacing the current accounting method with what it calls "fair-value accounting" Essentially this method would assess the risk as private firms would if they made the same types of loans According to a CBO argued for a "market-valuation-oriented" approach back when the 1990 law was first crafted but does not appear to take a definitive position last year weighed both the pros and cons of making a shift but its fairly clear it would prefer to change the accounting rules (As a general matter CBO does not take a position except on budget process issues) "None of the differences between the federal government and private investors changes the fact that investments with returns that are correlated with the performance of the economy as a whole are risky in a way that other investments are not" CBO said "Federal credit programs expose taxpayers to that market risk"Last month in response to a Republican request CBO issued including the subsidized Stafford loans that have been subject of congressional debate this week The spreadsheet CBO included as part of the report makes for scary reading Under the mandated accounting approach the federal government is estimated to gain $184 billion from issuing federal student loans between 2013 and 2023 CBO says But under fair-market accounting the government would lose $95 billion in the same period though it would make a small "profit" in 2013 In other words thats swing of nearly $280 billion depending on which accounting method you useThe CBOs spreadsheet meanwhile shows that the Stafford loan program in 2013 now pegged to earn $46 billion in "profit" would actually lose $35 billion under fair-value accounting Presumably those losses would climb sharply if interest rates were cut as Warren demands (She would drop the rate to as low as 075 percent) Obviously when so much money is at stake people disagree vehemently over this issue Adjusting the accounting rules potentially means less money in the budget for other programsThe left-leaning Center for American Progress has the fair-value concept as "dangerous" saying it would create phantom budget deficits because the current system already accounts for credit risk Critics maintain also that the federal government is significantly different from private firms with more tools at its disposal to recover defaulted debts Indeed in another report CAP that looking back over the past 20 years nonemergency federal credit programs generally cost less than expected The Education Department for instance that the cash default rate on Stafford loans is 23 percent but the cash recovery rate is better than 110 percent Overall taking in net present value (such as the dollar value of missed payments) the net recovery rate is about 87 percentCritics of fair-value accounting which include the and say it would add imaginary costs that the government would never need to pay In other words it would tip the scales on the cost side of the ledger because it adds nothing to the benefit side though it should be noted that CBO generally estimates costs not benefits Former Obama aide Jared Bernstein lays out the arguments against fair-value accounting in in which he labels it the "spinal tap" approach to accounting (Update: Bernstein wrote to this column For a rebuttal of the CBPP analysis read by Marvin Phaup) Paul van de Water who worked on the issue at CBO and is now at the CBPP noted that the current system allows for annual re-estimates to account for what happened to the loans which is why an additional $15 billion turned up in the accounts this year It is worth noting however that Congress mandated that fair-value accounting be used to score policies related to Fannie Mae and Freddie Mac as well as the Troubled Assets Relief Program (Warren headed the TARP congressional oversight board) The Financial Economists Roundtable has also issued urging a shift to fair-value accounting "The Congressional Budget Office projects that the government will make $51 billion on this years student loans" Rose said "Those projections are done in accordance with rules laid out by Congress -- rules that have been in place for estimates of federal credit programs for more than 20 years and rules that have been shown to reasonably measure government costs from these programs during that time While House Republicans and other opponents of real reform may seek to change accounting rules to paper over federal profits on student loans the only effective way to reduce them in the real world is to bring down interest rates on student loans"The Pinocchio TestWe obviously are not going to take a position on the correct accounting method And ordinarily a CBO projection is worth its weight in gold But this is an unusual situation The respected and nonpartisan budget agency clearly has concerns about the method mandated by Congress and the differences over the next 11 years are stunning Yet Warren has seized on the $51-billion figure to decry somewhat inaccurately "obscene profits" and argue for a dramatic cut in student loan rates making it the centerpiece of her floor speech We wavered between One and Two Pinocchios but the stakes are high given the possible impact on the budget The debate may be arcane but she and other Democrats should use more caution in citing these figures--especially when the source Warren cites CBO says there are problems It may not be money in the bank Two Pinocchios()Check out our candidate Follow The Fact Checker on and friend us on Opinion leaders shape business and industries, from the influential citizen to the media personalities.
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Et sans doute des groupes audiovisuels franais aux aguets qui cherchent a retarder au maximum larrivee de Netflix en FranceCar la reglementation impose aux diffuseurs un delai bien trop long (36 mois) avant de rendre disponible dans une formule par abonnement un film ou une serie TVUn constat que pourrait partager la Commission Lescure qui a fourni des pistes au gouvernement pour definir lexception culturelle a lere numeriqueEt pendant ce temps-la de l’autre cte du Channel…Les Britanniques ne connaissent pas ce problemeBien au contraire… Deja implante au Royaume-Uni Netflix vient de signer un accord avec Virgin Media : les abonnes de Netflix puissent acceder au service de video a la demande depuis leur set-top box TiVo commercialisee par le cblo-operateurDes cette annee ce sont pas moins de 17 million de detenteurs de la TiVo qui devraient etre concernesMeme si dans un premier temps environ 40000 clients ont ete choisis pour la phase pilote au cours de laquelle ils vont pouvoir acceder integralement au service via TiVo avec leurs identifiants NetflixSi dans un premier temps le paiement de l’abonnement devra toujours se faire aupres de Netflix les partenaires du projet ont apparemment prevu la possibilite d’offrir ce contenu dans le cadre d’un bundle TiVoDana Strong COO de Virgin Media a explique: Virgin Media TiVo offre differentes faons de visionner les contenus que ce soit par souscription ou en ‘pay per view’ tous seront integres de faon semblable pour un acces simple et intuitif a un grand ‘entertainment’ au bout des doigtsElle ajoute: Netflix est un plus fabuleux pour le TiVo de Virgin Media permettant a nos clients de profiter encore plus de leurs shows series et films favoris simplement et facilement via leur set-top box TV Une exceptionnelle valeur pour euxBill Holmes qui pilote le business development chez Netflix a ajoute: La Grande-Bretagne a accorde un accueil fantastique a Netflix et nous sommes ravis de ce partenariat avec Virgin Media qui nous permet d’apporter l’incroyable experience Netflix a tous leurs clients————-Quiz : ————Credit photo illustration : House of cards Facebook Netflix du Canada a la Grande-Bretagne en passant par l’Irlande.