Podcasts about Lombard Street

Andy’s Brave New World: Part 2 The group leaves Yosemite, encounters Crystal. Based on a post by the hospital. Listen to the Podcast at Explicit Novels. Day 7, Morning The morning sun caught the fresh paint scratches on the two Ford F-350 Super Duty trucks as they pulled out of the Yosemite Valley maintenance yard. Both were recent-model crew cabs in dark green, commandeered from the park's heavy maintenance fleet, their diesel engines rumbling with carefully checked fluid levels and fresh filters. Andy drove the lead vehicle, while Daniela rode shotgun, her Remington propped against the center console within easy reach and the binoculars Andy had found yesterday hanging around her neck. She sat at attention, eyes sweeping the tree line. Despite the A/C, they were sweating a little under their body armor. In the truck's bed, they'd packed their supplies with care. Multiple jerry cans of diesel fuel secured in metal racks, the heavy weapons cache (including the RPG and its rockets, carefully cushioned), cases of ammunition, tactical gear, and the most essential survival equipment. The rear seats held their medical supplies, communications gear including the Starlink array, and several days of ready-to-eat food and water. Sarah followed close behind in the second truck, its bed loaded with the bulk of their food stores, camping equipment, tools, and additional fuel. She'd gotten her way about the clothing, she wore a matching set in a striking deep purple: high-waisted Alo Yoga leggings that hugged every curve and a longline sports bra under a cropped zip-up jacket. Her highlighted hair was styled in loose waves, and she'd even put on light makeup. "If we get into any actual fighting, I'll be useless anyway," she had insisted, gesturing at Andy and Daniela's tactical loadouts. "You two are the ones with the training. I'm just a driver." She gave one of her practiced smiles. "Besides, first impressions matter. When we meet other survivors, one of us should look; approachable." Andy had started to argue, but Daniela simply shrugged. "She's right. We look scary. It'd be good to have someone look not scary." The conversation had ended there. Now, as they passed the park boundaries, Daniela pulled out their carefully annotated road atlas. Their route would take them west on Highway 140, then north on 99 through the Central Valley, avoiding both Fresno and Modesto. They'd skirt Sacramento to the east, then cut west to the Bay Area through the Delta region. The path balanced speed with security, staying on main roads for ease of travel while avoiding major population centers. "Time check," Daniela's tense voice crackled over their handhelds. "0700 hours. Three hours to the first waypoint." "Have you spent much time outside of the park?" Andy asked, trying to see if conversation might help her relax. Daniela shook her head, staring out the window at the wooded hills. "No, not really. Just for track meets. Dad hates cities. He'd always complain to the school that our trips weren't secure enough." Andy had a sudden mental image of Miguel lecturing an exasperated school bus driver on sight lines and evasive maneuvers. He chuckled slightly. "Yeah, that sounds like him." Noticing Daniela still looking somber, he tried to pivot. "Well, are you excited to see San Francisco?" A pause. "I don't know. I know it's the right place to go, but I'm a little scared to leave Yosemite behind." She looked off into the distance. "I'll definitely miss being in nature." "You might be surprised, SF has a lot of parks and green spaces. Maybe we'll end up somewhere nice." Day 7, Midday The Sierra foothills gave way to the Central Valley floor, and with it came the strange emptiness of abandoned agriculture. Vast almond orchards stretched to the horizon, their spring blossoms still clinging to the branches. A dairy farm's holding pens still contained its imprisoned casualties, forcing them to detour around the sprawling facility to avoid the smell. In an adjacent field, a small herd of escaped cattle grazed freely, looking up at the trucks' passage with mild curiosity. They passed a tomato field where harvesting machines stood frozen mid-row, the ripe fruit beginning to soften on the vine. "Movement, two o'clock, approximately two miles out," Daniela reported suddenly, her binoculars trained on the horizon. "Vehicle heading north." She tracked it for a moment, dust trail visible against the morning sky. "Pickup truck, moving fast. Can't make out details at this distance." Her voice remained neutral, but her grip tightened slightly on the Remington. Andy glanced in the indicated direction but kept the truck steadily on course. In the rearview mirror, he saw Sarah's truck maintain its careful following distance. After a few minutes, Daniela lowered the binoculars. "Vehicle has maintained its course northward. No change in direction." The radio crackled. "Everything okay up there?" Sarah's voice carried a hint of nerves. "Just another survivor," Andy replied. "They're heading away from us. Nothing to worry about." They passed through Merced without incident. The smaller city was eerily still, traffic signals dark at every intersection. A home security alarm wailed somewhere in the distance, its battery backup still functioning after a week without power. The highway was mostly clear, the outbreak had moved too quickly for large-scale evacuation traffic. Sarah's voice crackled over the radio: "Hey, I've had cell signal for the last few minutes, must be near a tower that's still running. There's a Beacon post from yesterday, someone near Turlock warning about a big pileup blocking the 99 around Keyes Road. They've been detouring around it on country roads." "Noted," Daniela responded crisply, already marking the atlas. "OK, here's the alternate route. We'll exit at Pueblo Avenue, rejoin the 99 past the blockage." She paused, then added with mechanical precision: "Adding fifteen minutes to estimated arrival time. Let us know if you see any other posts while you have signal." "Actually, let's stop real quick so I can give you my phone, it looks like I'm more likely to get signal than you, and I shouldn't be looking at this while trying to drive this thing." The valley heat was building as the day wore on. The radio stayed quiet. Each member of their small convoy seemed lost in their own thoughts, processing the scale of the abandonment around them. Occasionally they'd pass a house or farm with a hastily painted "Help" sign. Once they saw a pickup truck that had crashed into a pole, its driver still sitting upright behind the wheel, succumbing to the virus before the accident could kill them. As they approached the outskirts of Modesto, Daniela began scanning the atlas with renewed intensity, plotting their route around the city center. The midday sun cast a strong heat, and in the distance a thin column of smoke rose from somewhere in the city's north- whether from an electrical fire or something else, they couldn't tell. "Contact ahead, approximately one mile south," Daniela reported suddenly, binoculars trained on the distant road. "Single vehicle, silver Mercedes sedan. One subject visible outside the vehicle." She paused as she assessed the scene. "Vehicle appears to have front-end damage. Subject is; actively signaling for assistance." Andy keyed his radio. "Sarah, hang back for as sec." Through the windshield, he could just barely make out a glint of metal on the horizon. "Copy that," Sarah responded, as she let her truck slow to a stop behind them. "Update on subject?" Andy asked. Daniela adjusted her optics slightly. "Female, white. Light-colored hair. No visible weapons. Standing clear of the vehicle, continuing to wave." She swept her view across the surrounding terrain. "I don't see any other movement." They approached slowly, staying in the northbound lane, until they were about a hundred yards from the Mercedes. Andy could now make out a figure in light-colored clothing standing near the disabled vehicle's front end, still waving periodically. "Hello!" a woman's voice carried across the distance. "Please, I could really use some help!" "Stay where you are!" Andy called back through his opened window. "Are you alone?" "Yes! Just me! My car hit something back there, I think the suspension's broken!" Andy glanced at Daniela, who gave a slight nod. "Could be a trap," Daniela said quietly, though her tone suggested she didn't really believe it. "Though; it's a really crappy location for an ambush. A random gravel side-road in the middle of the fields? Plus you have poor sight lines, no cover, and multiple escape routes for potential targets." "Agreed," Andy said. He keyed his radio again. "Sarah, we're going to pull up closer. Stay a little bit behind us." They rolled forward slowly, closing the distance to the disabled Mercedes. As they got closer, the woman took a few steps back from her car, keeping her hands visible. Andy's breath caught slightly as her features came into focus. Even disheveled and stressed, she was stunning, the kind of beauty that belonged in magazines, not stranded on an abandoned highway. Tall and gracefully built, probably 5'9", with the kind of natural curves that didn't need strategic athletic wear to enhance them. Her light red-orange hair fell past her shoulders in natural waves, gleaming in the midday sun despite the obvious lack of styling products. Her face was a study in classical proportions, high cheekbones, full lips, straight nose, and large bright blue eyes framed by naturally long lashes. Even with smudged makeup and a light sheen of sweat on her forehead, her beauty remained striking. She wore form-fitting designer jeans that accentuated her long, slender legs, paired with an ivory silk blouse that was wrinkled and stained with grease from her attempted car repair. Impractical Italian leather boots completed the ensemble, the kind meant for Los Angeles sidewalks rather than Central Valley backroads. Despite her obvious exhaustion and the stress evident in her expression, there was something magnetic about her presence, an effortless grace that made even her nervous fidgeting seem elegant. Andy keyed his radio. "Sarah, we're going to talk to her. She's almost certainly not a threat. Your call whether to stay in your truck or join us." "Come with me," he said quietly to Daniela. "Stay alert." He opened his door and stepped out, Daniela following smoothly with her rifle held low but ready. The woman's face brightened with a nervous but dazzling smile as they approached. She took a step forward with her hand extended, but stopped when Andy halted several paces away. "Thank you so much for stopping," she said, letting her hand drop gracefully to her side. "I'm Crystal. Crystal Parker." Andy kept his stance neutral but ready. "Where are you coming from? Where are you headed?" "I'm from Manteca," she replied, her eyes flicking briefly to Daniela's rifle before returning to Andy. "I was trying to get back to my apartment in L A, but;" She gestured at her car with a delicate wave. "The highways were so crowded with abandoned cars, I thought the back roads would be safer." "Did you get sick?" Andy asked directly. "During the outbreak?" Crystal nodded. "Yes, but just a mild fever for a day or two. Not like;" Her voice caught slightly. "Not like everyone else, like my parents." She stopped, composing herself with visible effort. Behind them, Andy heard Sarah's truck pull up. Crystal's eyes shifted to watch Sarah's approach, something subtle changing in her expression. "What happened to your car?" Andy pressed. "I hit something; maybe a pothole or debris, I'm not sure. There was this awful noise and then;" She gestured helplessly at the front end. "I don't know anything about cars. I tried looking at it, but;" "Why are you going to L A? Are there people waiting for you there?" Andy asked. "Anyone you know who survived?" Crystal's shoulders dropped slightly. "No, I; I haven't been able to contact anyone. I just;" She gave a small, elegant shrug, simultaneously helpless and dignified. "I didn't know what else to do. Where else to go. I thought maybe; maybe going home made sense?" The last part came out as almost a question, like she was realizing for the first time how little sense it made. A pause, then, "If you don't mind me asking; what's your name? Where are you all headed?" "I'm Andy," he answered. "That's Sarah and Daniela. We're heading north to San Francisco." Crystal took this as permission to step closer, extending her hand again. This time Andy accepted it, noting the contrast between her dainty fingers and the engine grease on her fingertips from her attempted repairs. Their eyes met as they shook hands, and Andy found himself momentarily stunned by her beauty up close; the perfect symmetry of her features, the remarkable clarity of her blue eyes, the way the midday sun caught golden highlights in her hair. She gave a small wave to Sarah and Daniela behind him, her smile warm and practiced. "Nice to meet you all. Sarah, I love your jacket." "Thanks" mumbled Sarah, briefly taken aback by the brief change in topic. "I hate to ask, but;" Crystal glanced back at her Mercedes. "Is there any chance you could take a look at my car? Or;" She hesitated, then continued with careful tact, "Or maybe give me a ride somewhere I could find another car? I know it's a lot to ask, but I'm really not sure what to do out here." "Give us a second to discuss it," Andy said. He gestured for Sarah and Daniela to follow him a few paces away, out of earshot. "Looking at the front end damage and the way it's sitting, could be a broken control arm, maybe the sub frame," Daniela said quietly. "Either way, we'd need a lift and replacement parts. Not something we can fix on the road." "So the car's done," Andy summarized. "Question is, do we give her a ride?" "To L A?" Sarah asked skeptically. "That's like three hours away, more like six at the speed we've been going, and totally the wrong direction. To another car, maybe. Honestly;" She glanced back at Crystal, who stood waiting with perfect posture. "I know I'm not exactly Rambo here, but at least I can handle myself OK. She looks totally clueless." Sarah paused, then added with careful casualness, "She is, uh, gorgeous, though." Her eyes flicked to Andy's face, studying his reaction. Andy kept his expression neutral, though his heart raced slightly at just the thought of Crystal's striking features. The idea of leaving her stranded here seemed unthinkable, but he didn't want to appear too eager. "We could offer to let her come with us to San Francisco," he suggested, trying to sound logical rather than hopeful. "She'd never make it to L A alone anyway." "Well, she has no supplies, no useful skills;" Sarah started. "We don't know that," Daniela interjected, then paused. "Well, yeah, she probably doesn't. But still, we should help her," the younger girl said firmly. Her voice softened. "Dad always said the whole point of our preparations was so we could help others when the time came. That's why we trained so hard, why we stored so much." She glanced at Crystal, then back at the group. "Someone like her, no survival skills, no supplies, no real plan; that's exactly who he meant. We have room in the trucks. It's not that much further to San Francisco." Sarah sighed. "Fine. We can give her a ride to San Francisco. But that doesn't mean she is a part of our group." Andy raised an eyebrow, a slight smile playing at his lips. "Oh, we're officially a group now?" "Yes," Sarah said defensively. "We are. The three of us." Andy's smile faded as he recognized her genuine concern. He raised a hand and gently touched her arm. "Hey, I get it. Don't worry, I was kidding. We'll stick together, I promise." Daniela nodded, and Sarah relaxed slightly. "Okay." Andy turned and walked back to Crystal, who had been waiting with patience. "To us, it looks like the damage here isn't something we can fix, it needs replacement parts and proper equipment." Crystal's shoulders dropped again. "Also;" Andy continued carefully, "L A isn't a good place to go, now that we don't have working agriculture." He gestured vaguely around them at the quiet, empty fields. "They're gonna have real trouble with food after they scavenge everything already there." He paused to let that sink in. "We can give you a ride to somewhere you can find another car if you want. But you're also welcome to come with us to San Francisco. The Bay Area is better for a lot of reasons; it has better natural resources, direct access to farmland, etcetera. Your choice." Crystal bit her lower lip, considering. "Could I; could I think about it on the way back to a main highway?" Andy nodded. "Of course. No rush to decide." "Okay," Crystal smiled warmly. "Thank you again, I really appreciate this. Let me just grab my things." Sarah and Daniela headed back to the trucks while Andy accompanied Crystal to her Mercedes. She popped the trunk, revealing a large designer suitcase. As Andy reached for it, she gave him another dazzling smile. "You all seem so; prepared," she said softly. "I've been feeling so lost, but watching how organized you are, how you think everything through;" She trailed off as Andy lifted her suitcase. "It's impressive. Makes me feel a little less scared, you know?" To everyone's surprise, Crystal walked to the front of Andy's truck, opening the passenger door. "Oh, I;" Andy started, but Crystal was already sliding smoothly into the middle seat between the driver and passenger positions. "I hope you don't mind," she said. "I'd love to hear more about your plans, and why you think L A isn't safe. If I'm going to change my whole direction, I should probably understand why, right?" The back row was too full of equipment to sit there, so she settled in next to Daniela, the tight fit of three people in the front inevitable. Sarah caught Andy's eye, rolled hers, and shrugged before silently getting into her truck. Andy's mouth went briefly dry at the thought of Crystal pressed against him in the cramped space, but he climbed into the driver's seat and started the engine. Day 7, Early Afternoon The abandoned fruit stand provided a welcome break from driving, its weathered picnic tables shaded by an old oak tree. Fresh peaches and plums, barely starting to over-ripen, made a sweet complement to their rehydrated camping meals. The afternoon sun filtered through the leaves, casting dappled shadows across their impromptu lunch setup. It hadn't taken much to convince Crystal to change her plans and head to San Francisco instead of Los Angeles. Though Andy wasn't entirely sure she'd fully grasped the strategic reasoning behind why L A was a poor choice, she seemed to have quickly intuited that his group knew what they were doing and that she'd be better off following their lead. Daniela had grown surprisingly talkative during the drive, opening up to Crystal about her father's training regimen after Crystal had shown genuine interest in her rifle. Now she sat quietly eating her peach, some of her usual tension eased. "So," Sarah asked, casually as she picked at her meal, "Have you thought about what you'll do once we reach San Francisco?" Crystal dabbed delicately at her mouth with a napkin. "I suppose I'll need to find my place, see where I can be useful." She pretended not to notice the implication of separation behind Sarah's question. "What kind of work do you do?" Sarah pressed. "I'm a receptionist at an investment firm," Crystal admitted with a small, self-deprecating smile. "And before that I was a model. Neither are exactly critical post-apocalyptic skill sets." She straightened slightly, her natural poise asserting itself. "But I used to babysit for some of the executives' children. I'm good with kids, really good, actually. I've been thinking maybe I could help set up some kind of care center, for orphans or children who've lost their families." Her voice softened. "There must be so many of them now." Andy stood, brushing crumbs from his pants. "Need to hit the head," he said, heading toward the small concrete building at the edge of the property. When Andy emerged from the bathroom, he was startled to find Crystal standing outside, her sudden presence making him take a quick step back. Her beauty was striking. She stood with her arms clasped behind her back, the posture naturally thrusting her full, pert tits forward against her silk blouse. Her head was tilted slightly to one side, a delicate smile playing across her full lips as she looked up at him through long lashes. She'd deliberately left the top few buttons of her blouse undone, the thin fabric draping open to reveal tantalizing glimpses of lace-trimmed cleavage and smooth, flawless skin. The silk draped enticingly over her narrow waist, and her entire stance radiated a calculated vulnerability that made her seem both alluring and in need of protection. "I'm sorry," she said softly, raising a hand gently in hello. "I just wanted to talk. Privately." She stepped closer, close enough that Andy could smell her perfume, something light and expensive that she must have brought with her despite the apocalypse. Her proximity was dizzying, making it hard for him to focus. Andy was glad that the bathroom building hid them from view of the others. "I can tell Sarah wants me to find my own way once we reach the city," she said, her voice gentle, her blue eyes meeting his. "And I understand, I'm not trained like Daniela or resourceful like her. But;" She took another small step closer, her voice dropping. "I'd much rather stay with your group. With you." Andy started to respond, but Crystal continued, her voice taking on a subtle warmth. "I know I'm not useful in the traditional sense, but;" She glanced down, then back up through her lashes. "I could make it worth your while. In other ways." Her lips curved in a small, knowing smile. "And I wouldn't be reluctant about it at all. You're very attractive, and I'd be happy to show you my appreciation. Very happy." She placed a delicate hand against his chest, then slowly slid it down his torso until she found his hardening shaft through his tactical pants, giving it a gentle squeeze and rub that made his breath catch. Her breath was hot against his neck as she whispered, "I think I could make you feel really good. And I'm not jealous. I've seen the way you look at Sarah. If you also wanted her too, I wouldn't mind at all." She turned smoothly and pressed her round ass against his crotch with practiced ease, grinding against him in a way that made his hand instinctively slide from her arm to her tit, squeezing the soft fullness through her silk blouse. She threw him a knowing wink as she pulled away, fixing her blouse. "Just think about it, please, sir" she said, then walked back toward the picnic area with her natural model's grace. Andy leaned against the concrete wall, his heart racing and body still responding to Crystal's touch. The fantasy was immediate and overwhelming, Crystal's skilled hands and mouth pleasuring him, her full lips on his, while Sarah rode his cock, both women competing for his attention. He'd already decided he wanted Crystal to stay with them even before her proposition, though he'd need to find a way to present it to Sarah. Taking several deep breaths, he straightened his uniform and walked back to the group. "I've been lots of times." Sarah said, as Andy caught the tail end of their conversation. "Recently for photoshoots at the famous spots, the Golden Gate, Lombard Street, Palace of Fine Arts. So mostly tourist spots I guess." Andy grabbed a few apples from a nearby crate, tossing one to each of them. "These look good," he said, trying to keep his tone casual, though his mind was still swimming with erotic possibilities. "We should take a few crates for the road." As he distributed the fruit, he noticed Sarah's quick glance between him and Crystal. "I've only been twice, for track meets. We mostly stayed near the Golden Gate Park." said Daniela. I used to go pretty often." Crystal chimed in. "The modeling agency I was with was actually headquartered in San Francisco rather than L A. They claimed it was part of them being a more realistic, less superficial brand." She looked to Sarah. "We also did photoshoots at those spots, I wonder if we ever overlapped and just didn't know it." she said sweetly. "You're a model? I mean you look amazing." "Oh, thanks, no, just Instagram" said Sarah self-deprecatingly. "Nothing legit. I had like, a decent following, good for free gear from sponsors and stuff but not really enough for a living." "No, that's cool! I could never, too much effort to post and make hashtags and plan everything out. I was always better when people told me where to go, what to wear, how to pose, you know. But, it sounds empowering to be in control of your content. Although I guess then you've gotta cater to your audience more directly. Did you ever think about Only Fans?" Andy raised an eyebrow, while Daniela chomped on her apple only half attentive. "No, never." said Sarah firmly. "Not my thing." Her cheeks took on some color as she bristled at the suggestion. Crystal raised a hand in graceful apology. "I didn't mean any offense, sorry. We didn't have much money growing up, and I wasn't great at school. I don't think there's anything wrong with using what you have. She turned to Andy. "What about you, Andy? Have you been to San Francisco before? Where are you from actually? You haven't said much." There was a brief pause at the table. Crystal had just broken the unspoken post-apocalypse rule against asking people about their past if they didn't volunteer it. Perhaps in realization of this, Crystal slid a hand surreptitiously under the table and rested it gently against Andy's thigh. "I'm from Seattle." he said, in a stiff tone. He thought to his parents and brother, back in Korea, probably dead. "I've been to San Francisco a few times." he said curtly. Crystal gave him an understanding, apologetic smile, which he tried to return. "Are we done?" he said, glancing around the table. "Go to the bathroom if you guys need, and we should head out." Day 7, Afternoon The early afternoon sun cast shadows across Interstate 580 as their two-truck convoy approached Oakland. Traffic thinned out considerably after they'd managed to navigate around several major blockages, but abandoned vehicles still dotted the shoulder sporadically, silent witnesses to the chaos of those final days. Andy kept one eye on his rearview mirror, checking that Sarah was following OK. Crystal had switched to riding with Sarah after their lunch stop, the two women seemingly settling into an uneasy quiet, while Daniela maintained her vigilant watch of their surroundings from his passenger seat. The highway curved sharply around a hill, and suddenly there was movement, a pickup truck appearing from the opposite direction. Both vehicles slammed to a stop instinctively, tires screeching on the asphalt. "Contact front!" Daniela called sharply, already reaching for her Remington. "Armed individual, driver's side!" Andy killed the engine and was out of the truck in one fluid motion, his ranger training taking over. He reached through the rear window of the cab, grabbing the AR-15 mounted behind the seats. Daniela mirrored his movement on the passenger side, her rifle trained steadily on the other vehicle. Andy keyed his radio quickly: "Sarah, Crystal, stay in the truck, get down below the windows. Now!" The man from the other truck had taken cover behind his own door, his rifle held ready but not directly aimed. He was middle-aged, wearing casual clothes and looking almost as startled as they were. "Identify yourself!" Andy shouted, his voice carrying the authority of his ranger training. "Hey, easy!" the man called back, his voice strained but not aggressive. "I don't want any trouble! My name's Mike Peterson, I'm just trying to get to my mom up north. She's alive, I got a message from her yesterday!" "Keep your hands visible!" Daniela commanded, her young voice carrying surprising authority. "Look, I'm sorry!" Mike responded. "You scared me as much as I scared you, wasn't expecting anyone on this road!" He carefully kept his rifle pointed down. "I swear I mean no harm!" Andy studied the man's body language. "Alright," he called out. "Let's both put our weapons back in our vehicles. Show of good faith. Then we can talk!" There was a moment of tense silence before Mike nodded. "Okay! On three?" "On three," Andy confirmed. "One; two; three!" Both men slowly placed their weapons back in their vehicles, movements deliberate and visible. After a moment's hesitation, Daniela followed suit, carefully placing her Remington back in the cab. Andy let out a deep sigh of relief and keyed his radio again. "Sarah, Crystal, you can come out now. Stand a few paces from the truck, hands where he can see them." He raised his voice to Mike: "We've got two more people in the second truck. They're coming out now, no weapons!" The rear doors of the second truck opened cautiously. Sarah emerged first, her designer athletic wear incongruous against the tension of the moment. Crystal followed, her beauty drawing Mike's attention momentarily before he caught himself and returned his focus to Andy. The two men walked toward each other, meeting roughly halfway between their vehicles. The late afternoon breeze carried the salt smell of the nearby bay, rustling through the wild grass growing between the highway directions. "I'm Andy Rhee," Andy offered, his posture relaxed but alert. "We're coming from Yosemite, heading to San Francisco. You?" "Gilroy," Mike replied, running a hand through his graying hair. "Been on the road since yesterday. My mother's up near Mount Shasta, finally got a message through on Beacon that she made it." He glanced at their trucks. "Any trouble on the roads?" Andy shook his head. "We've been checking Beacon for updates about blocked sections. Had to detour around a big pileup between exits 234 and 236, and there was another rough stretch near the 99-120 interchange, but otherwise it's been quiet. You?" "Seen a few other people on the move," Mike said. "Most heading either to San Jose State or the Presidio. Stopped at SJSU myself, they gave me some medical supplies, antibiotics." He patted the bag at his hip. "What's the situation like at San Jose State?" Andy asked. Mike shrugged, his expression uncertain. "Pretty loose organization, if you can call it that. There's a professor trying to coordinate things, but;" He paused, searching for words. "Nobody's really in charge. Most folks are just passing through, or locals coming out of their homes to get supplies when they need to. Everyone's still pretty shell-shocked, you know? Scared. Confused about what to do next." "I see," Andy nodded. "You need any supplies? We've got two full trucks here." "Thanks, but I'm good," Mike replied. "Stopped at a Walmart on the way up, loaded up pretty good. What's your plan?" he asked. "We're heading to the Presidio to check things out, probably look to settle there," Andy replied. He explained the logic that made San Francisco an ideal place to settle. Mike nodded thoughtfully. "I've been debating between heading there myself or maybe taking over a farm somewhere. My dad was a farmer, I grew up on a ranch, so I know the basics at least." "If you're thinking farming, the San Joaquin delta would be your best bet," Andy suggested. "Close enough to the Bay to stay connected, and the river means you won't need complex irrigation systems." He paused. "Though once people get more organized, there might be competition for that land." "Makes sense," Mike said, considering. "Hey, we should share Beacon handles, keep each other updated on how things are going." "Good idea," Andy agreed. They quickly exchanged their information. "Alright then. Good luck," Mike said with a final nod. "You too," Andy replied, turning back toward his truck. They watched Mike's truck shrink into the distance before Andy walked back to where the others waited. The late afternoon sun cast their shadows long across the asphalt as he summarized the encounter. "He's heading up to Mount Shasta, his mom survived, managed to get a message to him," Andy explained. He saw the brief flickers of pain cross their faces at the mention of family, each of them carrying their own weight of loss. Sarah's hand moved unconsciously to the delicate necklace she wore. Daniela's jaw tightened almost imperceptibly, while Crystal wrapped her arms around herself, as if suddenly cold. "He stopped at San Jose State," Andy continued quickly, pushing past the moment. "Says there's some professor trying to coordinate things, but it's pretty disorganized. Mostly just people passing through, getting supplies when they need them." "God, I was so scared when he first stopped," Crystal admitted, her voice still slightly shaky. "But he seemed nice! I hope he finds his mom." She brightened slightly. "It's kind of encouraging, right? Making new friends already?" "We're getting close to Oakland now," Andy said, his tone growing more serious. "This will be the most populated area we've been through. We should pull off somewhere, check Beacon for updates." He glanced at their loaded trucks. "And we need to cover those beds with tarps, don't want to advertise how much supplies we're carrying." Daniela was already moving toward the trucks. "There's an exit about a quarter mile ahead," she said, consulting their marked-up atlas. "Looks like it leads to some kind of business park. Should be good cover, and easy access back to the highway." The Business Park. The business park was quiet, its empty parking lot offering a clear view of the approach. Sarah and Crystal worked on setting up the Starlink array while Andy and Daniela methodically secured heavy tarps over the truck beds, their practiced movements suggesting they'd done this before. "I've been thinking about where to set up initially," Andy said, pulling the tarp tight before securing another tie-down. "There's a Korean consulate building in Presidio Heights I've visited before. It would make a good temporary base." Daniela paused in her work, considering. "Security features?" "Yeah, it's built for diplomatic security," Andy confirmed, testing the tarp's tension. "Reinforced doors, security windows, probably some basic defensive architecture. It's in a quiet residential area, but walking distance from the Presidio." He moved to secure another corner. "Plus it's designed to be relatively self-contained, might have backup generators, water storage." "Got signal," Sarah called from where she knelt by the array, her designer leggings collecting dust from the pavement. Crystal leaned over her shoulder, their phones illuminating their faces as they scrolled through Beacon updates. "The building, is it big enough for all of us?" Daniela asked practically, her young voice carrying that familiar tactical edge. "Three stories, if I recall correctly, and lots of office space we can convert," Andy replied. "And importantly, it's far enough from Downtown that we'll be far from the chaos there, and we won't be right in the middle of whatever organization efforts are happening at the Presidio, but close enough to stay connected." Crystal fidgeted with the hem of her silk blouse. "About that;" she began softly. "I was wondering if; if maybe I could stay with you all?" Her blue eyes flickered between them, settling briefly on Andy before dropping to the ground. "I know I'd be another mouth to feed, and I'm not exactly survival-trained, but I could help out. I could handle the cooking, cleaning, keep watch at night;" She trailed off, her offer hanging in the air. Sarah and Daniela both turned to Andy, waiting for his response. The late afternoon sun cast long shadows across the parking lot as he made a show of considering the request, though his mind was already made up. "We packed about three months of food for the three of us," he said thoughtfully, watching Crystal's face fall slightly before continuing. "But getting more shouldn't be too hard at this point. There are probably plenty of places we can scavenge from once we're in the city." He adjusted the tarp's final tie-down. "As long as you're willing to help with some scavenging runs, which we should do anyway to build up our supplies, it should work out fine. I can go with you, show you the ropes." Daniela's face brightened with obvious approval, while Sarah maintained a carefully neutral expression, offering a small nod of agreement. Crystal's relief was palpable, her usual poise returning as she straightened up. "Thank you," she said softly. "I promise I'll pull my weight." Arriving at the consulate. Andy and Sarah. Day 7, Late Afternoon The late afternoon shadows stretched across the quiet streets of Presidio Heights as their little convoy approached the Korean consulate. The building stood stolid and official-looking among the surrounding residences, its windows dark but intact. As they drove through the SF neighborhoods, they'd seen scattered survivors, mostly women. Most kept their distance, watching the trucks pass with wary curiosity before returning to whatever tasks occupied them in this new world. Andy pulled up to the front of the consulate, studying the building's facade. The American and Korean flags still hung limply from their poles. The front entrance featured heavy double doors with reinforced glass flanked by simple columns and dotted with CCTV equipment, now nonfunctional. "Stay in the trucks," Andy instructed over the radio. "Daniela and I will check the entrance first." They approached the front doors cautiously, Daniela's hand resting near her holstered Glock. Andy tried the handle, locked, as expected. He knocked firmly, the sound echoing through the empty building. "I don't see any signs of forced entry," Daniela observed, examining the door frame. "Any electronic security would be disabled when the power went out. Probably a pretty heavy deadbolt though." Andy nodded. "Let's try the back. No point destroying the front entrance if we don't have to." He keyed his radio: "We're going to check the rear access." The fence around the property's perimeter was tall but manageable. Andy went first, scaling it smoothly before dropping to the other side. Daniela followed with the grace of someone who'd trained for exactly this kind of situation, her feet barely making a sound as she landed. The back door was similarly secure, but its handle was less robust than the front entrance. Andy retrieved the fire axe from his pack, testing its weight before taking a controlled swing at the handle mechanism. The sound of splintering metal seemed impossibly loud in the quiet neighborhood. Two more precise strikes, and the handle fell away entirely. A careful push revealed an empty hallway beyond. Andy did a quick sweep before returning to the door. "Clear," he called softly. "We'll open the garage from inside." He radioed. "Gimme a sec." Minutes later, Andy and Daniela manually hauled the heavy garage door upward, revealing a spacious underground parking area. Sarah and Crystal guided the trucks inside, the engines' echoes filling the concrete space before falling silent. As the door lowered behind them, sealing them into their new sanctuary, Crystal's voice carried a mix of relief and uncertainty. "Home sweet home?" After securing the trucks, Andy pulled one of the Glock 19s from their equipment and checked the magazine. "We should clear the building together," he said, tucking a couple of flashbangs into his tactical vest. "No splitting up." Daniela nodded, already holding her father's Mossberg with practiced ease. "Standard sweep pattern?" "Sure. Let's trade" he said, handing her the pistol and flashlight. "I'll take point." The basement level revealed its first surprise in a mechanical room, a commercial-grade backup generator system connected to substantial fuel storage. Daniela examined the setup with interest, her usually sober expression breaking into a rare smile. "Looks like there's about three hundred hours of runtime with the current fuel," she calculated, sweeping her flashlight across the gauge. "If we're careful about power usage, could stretch that a while." "That would be amazing." Sarah breathed, her eyes lighting up. "Yeah, let's leave it off for now though." said Andy. Adjacent to the generator room, they discovered a significant water storage system and septic setup. "Diplomatic buildings always plan for siege scenarios," Andy explained, his own relief evident in his voice. "Four, maybe five months of water," Daniela estimated. "If we're careful." "Gosh" Crystal whispered, touching one of the tanks, almost reverently. "I never thought I'd be so happy to see plumbing equipment." "Me neither" said Sarah. "I need a shower so bad." They continued their sweep, finding a heavy steel door marked 'Security' that refused to budge. "Probably need specialized tools for that one," Andy noted, making a mental note to return later. The next door revealed a surprisingly well-equipped gym, free weights, cardio machines, and resistance training equipment. Sarah's eyes lit up immediately. "Oh thank god," she breathed, running her hand along a rowing machine. "I was terrified of losing this." She gestured winsomely at her meticulously crafted curves. "Do you know how many years it took to get my body like this?" Crystal watched her uncertainly. "You're worried about that? I'm barely holding it together right now, I couldn't imagine making myself more tired and exhausted on purpose." "I'd literally rather die than lose this body," Sarah replied firmly, her hand trailing along her flat, gently muscled abs. The seriousness in her voice made it impossible to tell if she was exaggerating. Andy watched this exchange with raised eyebrows, then noticed something else. "There's a sauna in here too," he noted, pleased. "Would be a real luxury to turn on some day." The main floor revealed a layout typical of diplomatic buildings, a reception area leading to various offices, with a modest break room and a more formal dining space clearly meant for official functions. The kitchen behind it was industrial-grade, though smaller than what you'd find in a restaurant. The second floor held more offices, their doors standing open to reveal desks still covered in papers and family photos, frozen in time. To be continued. Based on a post by the hospital, for Literotica.

Bienvenue à San Francisco !!Une ville pépite, superbe, magnifique.Une ville avec 38 796 choses à faire, alors ne perdons pas de temps.Direction Alcatraz, Lombard Street, Twin Peaks, le Golden Gate Bridge, etc...Oui, il y a du boulot ! Dans cet épisode, vous pourrez croiser des fleurs, du LSD, Jimmy Hendrix, Janis Joplin et une tête de dragon Pour en savoir plus, une seule adresse, le podcast FIFTY STATESHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Lombard Street is famous for its winding brick lane, but beyond that iconic block lies something unexpected: a stretch of old-school motels. Why so many in one place? This week on Bay Curious, we explore how the growing popularity of automobiles – and the opening of the Golden Gate Bridge – transformed Lombard Street into a bustling hub for motor lodges. Then, we'll head south to the San Mateo-Hayward Bridge to unpack its history. Additional Resources: Why Are There So Many Motels on San Francisco's Lombard Street? The First San Mateo-Hayward Bridge Was a Big Deal in 1929 Read the transcript for this episode Sign up for our newsletter Enter our Sierra Nevada Brewing Company monthly trivia contest Got a question you want answered? Ask! Your support makes KQED podcasts possible. You can show your love by going to https://kqed.org/donate/podcasts These stories were reported by Christopher Beale and Rachael Myrow. Bay Curious is made by Katrina Schwartz, Gabriela Glueck and Christopher Beale. Additional support from Olivia Allen-Price, Jen Chien, Katie Sprenger, Maha Sanad, Ethan Toven-Lindsey and everyone on Team KQED.

There's no one way to do the West Coast — and that's what makes it so exciting! From buzzing cities to jaw-dropping landscapes, this part of the USA has something for everyone. And honestly? Each place could have its own episode!

There's no one way to do the West Coast — and that's what makes it so exciting! From buzzing cities to jaw-dropping landscapes, this part of the USA has something for everyone. And honestly? Each place could have its own episode!

From the zigzagged Lombard Street to the shores of Alcatraz Island, Snoop and Sniffy take on San Francisco, helping to track down a wayward gull who has stolen a special dog agency book.

In the conclusion to this series on Russian Hill, I delve into the events which affected Pat Montandon and her friends and family at 1000 Lombard Street, as well as the occult resurgence in the 1960s, including the role of Anton LeVay.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Ian Robinson and Shaun Braybrook discuss the role cash plays within client portfolios and the considerations to note.  Their conversation centres around several important themes, with the key talking points being: why you should hold cash; the appropriate level of cash to hold; whether cash is king; considerations; if investments could be more suitable in the long-term;  alternatives to cash; and the importance of ongoing reviews. Important information   The contents of this podcast do not constitute financial advice.  Please not that cash-like investments such as guilts, bonds and the Brooks Macdonald Liquid Reserve Portfolio Service do come with an element of risk and should not be treated in the same way as cash. The value of investments can fall as well as rise and it may not always be possible to receive back the sum initially invested. Past performance is not necessarily a guide to future investment returns. This podcast constitutes a financial promotion. Lucas Fettes and Partners (Financial Services) Limited (“Lucas Fettes Financial Planning”) is authorised and regulated by the Financial Conduct Authority. FCA number 146279. Lucas Fettes Financial Planning is registered in England and Wales. Registered Number: 00991377. VAT Registration Number 303 0535 58. Registered address: 21 Lombard Street, London, EC3V 9AH Lucas Fettes Financial Planning is a member of the Brooks Macdonald group of companies. More information about the Brooks Macdonald Group can be found at www.brooksmacdonald.com

[REKLAM] LYSSNA PÅ BONUSAVSNITTET HÄR: www.patreon.com/spoktimmenVad är det som låter? Det är mitt i natten när Pat Montandon vaknar i sin säng i lägenheten på 1000 Lombard Street. Irritationen växer inom henne. Är det på riktigt någon som spelar musik mitt i natten? Hon smyger upp, tassande på lätta tår, för att undersöka och stöter då på sin inneboende Carolyn, som är lika förbryllad som hon själv. Den gamla melodin från låten "Mockin' Bird Hill" ekar svagt mellan lägenhetens väggar men källan till musiken är omöjlig att hitta. Den verkar komma från ingenstans. Nästan som att huset spelar av sig själv. Det har blivit dags att damma av ett gammalt ämne, nämligen Spökhus. Vi berättar om två olika hus med närvaro som inte vill dess besökare väl. Vi avslutar sedan med en fruktansvärd lyssnarberättelse, om ett hus där ägarna är långt ifrån ensamma.Fall: 1000 Lombard Street & The Villisca axe murder houseKontaktInstagram:@spoktimmen@linnekFacebook:SpöktimmenMail:spoktimmenpodcast@gmail.com Hosted on Acast. See acast.com/privacy for more information.

Don Randal MBE was born in Dartford and joined the City Of London Police cadets. He loved his time as a cadet and recalls this time with fondness. His adventures with the cadets included a canoe race from Devizes to Westminster and an 18 mile run from Barnstable to Croyde Bay. He was also part of the team that were National Life Guards Champions. Don became a regular officer in the City Of London in 1969, This was a time when radios had just been introduced and officers were reliant on the police boxes with lights on top to get instructions to attend incidents. Don spent most of service at Wood street. He became a motorcyclist and had the opportunity to be first on scene. This was the case for the Tower of London Bombing and he was 2nd on scene at the Old Bailey Bombing.Don cites hard work and self-motivation as being his key to success in both the police and civilian life.After 25 years' service Don was enticed by the private sector and made the tough decision to leave the city of London Police. He became a valued member of JP Morgan where he worked until he took up a role with the Bank Of England.Don recalls the day of 7/7 bombing and the loss of a member of staff during the attack at Tavistock Square. Don has been instrumental in putting together some of the greatest initiatives that the City Of London has seen. Project Griffin gained such momentum that Don was invited to New York where he met senior management of the NYPD. The result of the meeting was the adoption of the scheme by the Big Apple.Dons ability to engage partners and bring them with him is well renowned. He has overseen the initiative relating to Violence Against Women and Girls known as Prevent VAWG. CC Lucy D'Orsi had approached Don and asked if he could arrange a meeting to discuss the issues around the issues and this was the motivation for the initiative. 1 Lombard Street is a Safe Haven under the scheme, The Ned and Fortnum and Mason are about to join too. The strap line is Our Safer City which can be transferred to any city. Hosted on Acast. See acast.com/privacy for more information.

Nel 1379 a Lombard Street, la via di Londra dove vivevano i banchieri italiani, viene ucciso il mercante genovese Giano Imperiale. In un paese che sta sperimentando le prime forme di capitalismo, la presenza eccessiva di mercanti e banchieri italiani suscita non pochi malumori, come racconta Amedeo Feniello nel libro ‘Omicidio a Lombard Street’ (Laterza).

As our witness for Jesus expands, we are going to encounter people whose traditions and beliefs are often at odds with Christians. These twists and turns may seem like they are going to limit our testimony, but they actually simplify it to something very doable for every Christian. Watch the video of this sermon here. Follow along with all of the streets we are looking at in our series Takin' Him to the streets by clicking here. ►► Would you please prayerfully consider supporting this ministry? My Patreon supporters get behind-the-scenes access to exclusive materials. ◀︎◀︎

This lecture discusses key ideas from the 20th Century American science-fiction short story writer and novelist, Philip K. Dick's novel Do Androids Dream Of Electric Sheep It focuses specifically on the fake, "android-infested" Hall of Justice located not on Lombard Street but on Mission Street, where Deckard is taken after he attempts to use the Voight-Kampff empathy test on Luba Luft. To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 3000 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler You can get a copy of Do Androids Dream Of Electric Sheep here -https://amzn.to/47ZcoWU

Welcome to Waxing the Porpoise, the podcast that dives deep into the unexplored depths of cinema and occasionally the unexplained. This week G-Baby and the Usual Suspect Steve welcome back our favorite boils and ghoul - Naterade, Thon and Logan of the Ghoulish University podcast for our Valentine's Day special to discuss the 1993 Mike Myers banger, So I Married an Axe Murderer - a film with an exquisite ensemble cast and a smattering of all time cameos from the likes of Phil Hartman, Charles Grodin, Stephen Wright and Michael Richards. Join us as we wax lovingly about early/mid-90's film and pop culture including flashbacks to Carmen Sandiego and Beethoven era Charles Grodin, the oustanding performances of the supporting cast that really tie the room together, react to weirdest things we've ever eaten and get pissed on some good ol' ham fisted Scottish stereotypes. The porpoises, midnight companions and keen observers, dare to give love another chance whilst navigating the slings and arrows of paranoia, familial eccentricities and fear of commitment in a windy and nostalgic trip down Lombard Street. Kid don't sell your dreams so soon! Let's wax this pleasure spiked with pain porpoise. https://linktr.ee/waxtheporpoise #garthbrooksjuicediet #philhartman #heedpantsnow #bemine #waxit Huge thanks to Logan, Naterade and Thon for joining us and be sure to check out their show Ghoulish University for all your Tales From the Crypt review goodness wherever you get your podcasts, boils and ghouls. https://podcasts.apple.com/us/podcast/ghoulish-university/id1635011154 https://twitter.com/GhoulishUni https://www.instagram.com/ghoulishuniversity Follow us on Twitter / X & instagram and leave us a rating/review on Apple Podcasts or wherever you listen, let us know how we're doing and thank you!

Governments around the world, The World Economic Forum, and the International Monetary Fund are proposing the movement to a global currency. How likely is this proposal and what can YOU do about it? How is deficit spending devaluing the dollar? With government spending out of control, the dollar clearly isn't a stable store of value. How can everyday Americans protect themselves from dollar decline? To help make sense of the chaos in the economy, Savage speaks with expert Philip Patrick. He spent years as a private wealth manager at Citigroup on Lombard Street and joined Birch Gold Group as a Precious Metals Specialist in 2012. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lauren and Christy deep dive the haunting on Lombard Street in San Francisco in the 1960s. Christy's research reveals a link to Danielle Steel, an explained death, and an uncomfortable stepmother/stepson relationship! So grab a drink, put on some pjs, and join this duo for a true crime slumber party!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

San Francisco is perhaps the most unique city in the United States, for better or for worse. Probably both.This week we will discuss the short and winding road, and how San Franciscans have turned it into a blessing instead of a problem; the disaster of 1906 and how humans' best efforts made it far, far worse; Norton I, emperor of the United States, and his relationship with his subjects; and the bigger business you can build by sinking your existing business into San Francisco Bay. Hal Hammons serves as preacher and shepherd for the Lakewoods Drive church of Christ in Georgetown, Texas. He is the host of the Citizen of Heaven podcast. You are encouraged to seek him and the Lakewoods Drive church through Facebook and other social media. Lakewoods Drive is an autonomous group of Christians dedicated to praising God, teaching the gospel to all who will hear, training Christians in righteousness, and serving our God and one another faithfully. We believe the Bible is God's word, that Jesus died on the cross for our sins, that heaven is our home, and that we have work to do here while we wait. Regular topics of discussion and conversation include: Christians, Jesus, obedience, faith, grace, baptism, New Testament, Old Testament, authority, gospel, fellowship, justice, mercy, faithfulness, forgiveness, Twenty Pages a Week, Bible reading, heaven, hell, virtues, character, denominations, submission, service, character, COVID-19, assembly, Lord's Supper, online, social media, YouTube, Facebook.  

Os damos la bienvenida a una fiesta de lo más inusual. ¿La temática? Astrología. ¿Las atracciones principales? Un tarotista malhumorado y una presencia amorfa con una canción en bucle. ¿Los invitados principales? Un duende icónico y la it-girl más famosa de San Francisco. ¡No llegues tarde! Casos: 1000 de Lombard Street y el Duende Zaragoza Dónde encontrarnos 👇 YouTube: https://www.youtube.com/@Simequereismorirse/ Instagram: https://www.instagram.com/simequereispodcast/ TikTok: https://www.tiktok.com/@simequereismorirse Twitter: https://twitter.com/SMQpodcast Facebook: https://www.facebook.com/simequereispodcast/ Si quieres acceder a más contenido, considera apoyarnos en Patreon: https://www.patreon.com/simequereispodcast

Episode 156: Haunted Barcelona Part 2 & The Haunting of 1000 Lombard Street- Carol finishes her haunted tour of Barcelona, Spain, while Holly takes a crooked turn down Lombard Street in San Francisco.Credits:Haunted Barcelona Part 2-Secrets of the Sagrada Familia - Context Travel | The On-Line Buzzletter: Spain Trip #17: Barcelona's Sagrada Familia: Crypt and 2 Ghosts | Gothic Quarter Haunted House Attractions | El Pont del Bisbe - Bishop's Bridge - Barcelona Lowdown | 13 Barcelona Haunted Houses & Places that will creep you out | Casa de l'Ardiaca (Archdeacon's House), Barcelona | Modernist Letterbox at Casa de L'Ardiaca, Barri GoticHaunting of 1000 Lombard Street-Pat Montandon and the last party on Lombard Street |The Haunted House on Lombard Street |The Intruders San Francisco Haunted House |1000 Lombard Street |San Francisco-Wikipedia |Haunted Lombard Street |Redfin - 1000 Lombard Street  |Patricia Montandon |Anton LaVey |

San Francisco has a dark history, and bodies under its streets and buildings. We talk with Courtney Minick of Here Lies a Story to learn where the bodies are buried, and where you can find the ghosts in northern California. Courtney also tells the story of Mary Ellen Pleasant and how she encountered her ghost.Check out Here Lies a Story at hereliesastory.com and follow them on Instagram at @here_lies_a_story, on Twitter at @Here_Lies_SF , on YouTube, and on TikTokFollow Homespun Haints on YouTube at youtube.com/homespunhaints and please consider supporting us on Patreon!Photo of Lombard Street by Braden Collum on Unsplash

Bank failures, runaway inflation, and the end of the dollar's hegemony. There's a lot to worry about in the financial world today. To help make sense of the chaos in the economy, Savage speaks with expert Philip Patrick. He spent years as a private wealth manager at Citigroup on Lombard Street and joined Birch Gold Group as a Precious Metals Specialist in 2012. Then, Savage details how he predicted that Trump would boost our economy and how The Biden Gang would flood the borders, decimate business, and skyrocket inflation. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lombard Street: A Description of the Money Market

This podcast hit paid subscribers' inboxes on Jan. 13. It dropped for free subscribers on Jan. 16. To receive future pods as soon as they're live and to support independent ski journalism, please consider an upgrade to a paid subscription.WhoJim van Löben Sels, General Manager of Mt. Spokane, WashingtonRecorded onJanuary 9, 2023About Mt. SpokaneClick here for a mountain stats overviewOwned by: Mt. Spokane 2000, a nonprofit groupPass affiliations: Freedom Pass – 3 days each at these 20 ski areasReciprocal partners: 3 days each at Mt. Ashland, Mount Bohemia, Great Divide, Loup Loup, Lee Canyon, Snow King, White Pass, Ski CooperLocated in: Mt. Spokane State Park, WashingtonYear opened: 1938Closest neighboring ski areas: 49 Degrees North (1 hour, 45 minutes), Silver Mountain (1 hour, 45 minutes), Schweitzer (2 hours, 10 minutes) – travel times may vary considerably in winterBase elevation: 3,818 feetSummit elevation: 5,889 feetVertical drop: 2,071 feetSkiable Acres: 1,704Average annual snowfall: 300 inchesTrail count: 52 (15% advanced/expert, 62% intermediate, 23% beginner)Lift count: 7­­ (1 triple, 5 doubles, 1 carpet)Why I interviewed himPerception is a funny thing. In my Michigan-anchored teenage ski days any bump rolling more than one chairlift uphill seemed impossibly complex and interesting. Caberfae (200 acres), Crystal (103), Shanty Creek (80), and Nub's Nob (248 acres today, much smaller at the time) hit as vast and interesting worlds. That set my bar low. It's stayed there. Living now within two and a half hours of a dozen thousand-plus-footers feels extraordinary. In less than an instant I can be there, lost in it. Teleportation by minivan.Go west and they think different. By the millions skiers pound up I-70 through an Eisenhower Tunnel framed by Loveland, to ski over the pass. Breck, Keystone, Copper, A-Basin, Vail, Beaver Creek – all amazing. But Loveland covers 1,800 acres standing on 2,210 vertical feet – how many Colorado tourists have never touched the place? How many locals?It seems skiers often confuse size with infrastructure. Loveland has one high-speed chairlift. Beaver Creek has 13. But the ski area's footprint is only 282 acres larger than Loveland's. Are fast lift rides worth an extra 50 miles of interstate evacuation drills? It seems that, for many people, they are.We could repeat that template all over the West. But Washington is the focus today. And Mt. Spokane. At 1,704 acres, it's larger than White Pass (1,402 acres), Stevens Pass (1,125), or Mt. Baker (1,000), and just a touch smaller than Summit at Snoqualmie (1,996). But outside of Spokane (metro population, approximately 600,000), who skis it? Pretty much no one.Why is that? Maybe it's the lift fleet, anchored by five centerpole Riblet doubles built between 1956(!) and 1977. Maybe it's the ski area's absence from the larger megapasses. Maybe it's proximity to 2,900-acre Schweitzer and its four high-speed lifts. Probably it's a little bit of each those things.Which is fine. People can ski wherever they want. But what is this place, lodged in the wilderness just an hour north of Washington's second-largest city? And why hadn't I heard of it until I made it my job to hear about everyplace? And how is Lift 1 spinning into its 67th winter? There just wasn't a lot of information out there about Mt. Spokane. And part of The Storm's mission is to seek these places out and figure out what the hell is going on. And so here you go.What we talked aboutFully staffed and ready to roll in 2023; night skiing; what happened when Mt. Spokane shifted from a five-day operating week to a seven-day one; a winding career path that involved sheep shearing, Ski Patrol at Bear Valley, running a winery, and ultimately taking over Mt. Spokane; the family ski routine; entering the ski industry in the maw of Covid; life is like Lombard Street; Spokane's long-term year-round business potential; who owns and runs Mt. Spokane; why and how the ski area switched from a private ownership model to a not-for-profit model; looking to other nonprofit ski areas for inspiration; a plan to replace Spokane's ancient lift fleet and why they will likely stick with fixed-grip chairlifts; the Skytrac-Riblet hybrid solution; sourcing parts for a 67-year-old chairlift; how much of Lift 1 is still original parts; which lift the mountain will replace first, what it will replace it with, and when; the virtues of Skytrac lifts; parking; the Day-1-on-the-job problem that changed how Jim runs the mountain; why Northwood lift was down for part of January; what it took to bring the Northwood expansion online and how it changed the mountain; whether future expansions are possible; Nordic opportunities; working with Washington State Parks, upon whose land the ski area sits, and how that compares to the U.S. Forest Service; whether Mt. Spokane could ever introduce snowmaking; how eastern Washington snow differs from what falls on the west side of the state; glading is harder than you think; where we could see more glades on the mountain; the evolution of Spokane's beginner terrain; why Mt. Spokane tore out its tubing lanes; expanding parking; which buildings could be updated or replaced and when; whether we could ever see lodging at the mountain; why the mountain sets its top lift ticket price at $75; why Mt. Spokane joined Freedom Pass; exploring the mountain's reciprocal pass partnerships and whether that network will continue to grow; and the possibility of joining the Indy Pass.Why I thought that now was a good time for this interviewIn August, Troy Hawks, the marketing mastermind at Sunlight and the administrator of the Freedom Pass, emailed to tell me that Mt. Spokane was joining the Freedom Pass. I asked him to connect me with the ski area's marketing team for some context on why they joined (which I included in this story). Then I asked if Jim would like to join me on the podcast. And he did.That's the straight answer. But Mt. Spokane fits this very interesting profile that matches that of many ski areas across the country: a nonprofit community hill with dated infrastructure and proximity to larger resorts that's been pushed to the brink not of insolvency but doors-bursting capacity despite successive waves of macro-challenges, including Covid and EpKon Mania. Weren't these places supposed to be toast? As a proxy for the health of independents nationwide, Mt. Spokane seemed like as good a place as any to check in.There's another interesting problem here: what are you going to do with a Riblet double built in 1956? The thing is gorgeous, tapering low and elegant up the hillside, a machine with stories to tell. But machines don't last forever, and new ones cost more than some whole ski areas. Mt. Spokane also has no snowmaking and dated lodges and too little parking. Will it modernize? If so, how? Does it need to? What is that blend of funk and shine that will ensure a mountain's future without costing its soul?In this way, too, Mt. Spokane echoes the story of contemporary independent American skiing: how, and how much, to update the bump? Jim, many will be happy to learn, has no ambitions of transforming Mt. Spokane into Schweitzer Jr. But he does have a vision and a plan, a way to make the mountain a little less 1950s and a little more 2020s. And he lays it all out in a matter-of-fact way that anyone who loves skiing will appreciate.Questions I wish I'd askedI'm so confused by Mt. Spokane's trailmap. Older versions show the Hidden Treasure area flanking the main face:While new versions portray Hidden Treasure as a distinct peak. Again:Meanwhile, Google Maps doesn't really line up with what I'm seeing above:While I love the aesthetic of Mt. Spokane's trailmap, it seems wildly out of scale and oddly cut off at the bottom of Hidden Treasure. The meanings of the various arrows and the flow of the mountain aren't entirely clear to me either.Really, this is more a problem of experience and immersion than anything I can learn through a knowledge transfer. A smart professor made this point in journalism school: go there. I really should be skiing these places before I do these interviews, and for a long time, I wouldn't record a podcast about a ski area I hadn't visited. But I realized, a year and a half in, that that would be impractical if I wanted to keep banging these things out, particularly as I reached farther into the western hinterlands. Sometimes I have to do the best I can with whatever's out there, and what's out there can be confusing as hell. So I guess I just need to go ski it to figure it out.What I got wrong* I intimated that Gunstock was a nonprofit ski area, but that is not the case. The mountain contributes revenue to its owner, Belknap County, each season.* I stated that Mt. Spokane didn't have any beginner surface lifts. In fact, it has a carpet lift.* Jim and I discussed whether Vista Cruiser was the longest contiguously operating chairlift in the United States. It's not – Hemlock has been serving Boyne Mountain, Michigan, since 1948. It's a double that was converted from a single that originally served Sun Valley as America's first chairlift in the 1930s. Still, Vista Cruiser may be the most intact 1950s vintage lift in America. I really don't know, and these things can be very hard to verify what with all the forgotten upgrades over the years, but it really doesn't matter: a 67-year-old chairlift is a hell of an impressive thing in any context.* While discussing reciprocal agreements, I said, rather hilariously, that Mt. Ashland was “right there in Oregon.” The ski area is, in fact, an 11-hour drive from Mt. Spokane. I was vaguely aware of how dumb this was as I said it, but you must remember that I grew up in the Midwest, meaning an 11-hour drive is like going out to the mailbox.Why you should ski Mt. SpokaneLet's start here:How many 2,000-vertical-foot mountains post those kind of rack rates? A few, but fewer each year. And if you happen to have a season pass to any other Freedom Pass ski area, you can cash in one of your Mt. Spokane lift tickets as you're floating through.As for the skiing itself, I can only speculate. It looks like typical PNW wide-open: wide runs, big treed meadows, bowls, glades all over. Three hundred inches per winter to open it all up. I mean there's really not much else that's necessary on my have-a-good-time checklist.Podcast Notes* Jim mentioned that Schweitzer was working on adding parking. More details on their plan to plug 1,400 more spaces into the mountain here.* I was shocked when Jim said that Mt. Spokane's $75 lift tickets ($59 midweek) were the second-most expensive in the region after Schweitzer's, which run $110 for a full-day adult pass. But he's correct: 49 Degrees North runs $72 on weekends and holidays and $49 midweek. Silver Mountain is $71 on weekends (but $65 midweek). And Lookout Pass is $66 on weekends and $55 midweek. I guess the memo about $250 lift tickets hasn't made its way up I-90 just yet.* The best way to support Mt. Spokane, which is a nonprofit ski area, is to go buy a lift ticket. But you can also donate here.* Here's a bit more Mt. Spokane history.* And some stoke Brah:The Storm publishes year-round, and guarantees 100 articles per year. This is article 4/100 in 2023, and number 390 since launching on Oct. 13, 2019. Want to send feedback? Reply to this email and I will answer (unless you sound insane, or, more likely, I just get busy). You can also email skiing@substack.com. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

Police caught a 10-year-old behind the wheel of a stolen car after spotting the child speeding out of a North Portland fast food restaurant parking lot early Friday morning.At about 1:15 a.m. Friday, a Portland Police officer on patrol near North Vancouver Avenue and Lombard Street saw the vehicle, a Kia, speed out of the parking lot and continue driving erratically. She started following the vehicle and found out it was reported as stolen.The officer followed the Kia to a stop sign on North Kerby Avenue and North Rosa Parks Way then the driver and passenger sporadically put their hands up, as a sign of surrender.When the officer talked to the driver she discovered that the person was a ten-year-old child and the passenger was 13 years old.Support the showSign Up For Exclusive Episodes At: https://reasonabletv.com/LIKE & SUBSCRIBE for new videos every day. https://www.youtube.com/c/NewsForReasonablePeople

San Francisco ist für die meisten Touristen Golden Gate Bridge, die Gefängnisinsel Alcatraz oder Straßen wie die Lombard Street. Doch die Stadt hat auch ein ganz besonderes Segelrevier zu bieten, die San Francisco Bay.

Read the transcript of this episode: https://therealnews.com/family-of-beloved-baltimore-soccer-coach-killed-by-private-security-guard-demands-justiceEDITOR'S NOTE: The Justice for Kevin march will be taking place at 6:30pm EST on Wednesday, Dec. 7, at 4020 E. Lombard Street in Baltimore, Maryland, not on Thursday, Dec. 8. Kevin Torres was beloved by his family and his community. After emigrating from Honduras decades ago, Torres built a life in Baltimore, where he and his wife ran a concrete and construction company, along with raising their family. In his spare time, Torres coached the Villanueva adult Soccer Team. On the night of Nov. 6, Kevin was out with family and friends at ChrisT Bar in Highlandtown celebrating his team's victory in their league championship. But the festive atmosphere took a quick turn after a dispute over a missing cellphone resulted in an altercation involving the bar's security guard. Kevin tried to intervene when the security guard began to argue with his stepdaughter. Moments later, Kevin was dead. As The Baltimore Sun reported, “The security guard told Baltimore Police he discharged his gun early Monday morning because Torres threw a brick at him. But three witnesses disputed that account… The security guard has not been arrested and officials declined to release his name.” What really happened on the night Kevin Torres was killed at ChrisT bar? Why do these shootings at the hands of private security guards keep happening? And what can be done to secure justice for Kevin and his family? In this exclusive interview, TRNN Editor-in-Chief Maximillian Alvarez sits down with Sor Torres, Kevin's wife, Erick Vicenty, Kevin's stepson, and Kevin Medina, a close friend of the family.A GoFundMe has been set up to help Kevin's family pay for funeral costs: https://www.gofundme.com/f/funeraria-para-m-esposo?utm_campaign=p_cp+share-sheet&utm_content=undefined&utm_medium=copy_link_all&utm_source=customer&utm_term=undefinedThe family and their supporters are planning a march to demand justice for Kevin on Wed, Dec. 7, at 6:30pm EST. The march will begin at 4020 E. Lombard Street in Baltimore, Maryland, and all supporters are invited to attend.Studio: Adam Coley, Cameron GranadinoPost-Production: Cameron GranadinoHelp us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer: Donate: https://therealnews.com/donate-podSign up for our newsletter: https://therealnews.com/newsletter-podLike us on Facebook: https://facebook.com/therealnewsFollow us on Twitter: https://twitter.com/therealnews

This week, Carter and Marissa have a fun-sized assortment of scary tales in honor of Halloween! Marissa shines a flashlight on the game of Bloody Mary, while Carter turns up the gaslight on a haunted prospective nun. Then, there's a ghost (and Tom Brady?) in Anderson Cooper's firehouse, and a head in the crisper drawer of The Ice Box Murders. Finally, hop aboard as Marissa takes the train to Salt Lake City for the tale of the ghostly Purple Lady, and buckle your seatbelt as Carter spins the twisting tale of the cursed apartment of Lombard Street.

Picking up right where they left off in the story of 1000 Lombard Street, Hadley and Alyssa discuss the strange circumstances of a tragic fire that broke out at the apartment in 1969. The co-hosts recount the steps Pat Montandon took to find closure after the passing of three close friends who each spent time at the apartment with her. They also ponder the possible connection to the fateful astrology-themed house party Montandon had thrown during her first few weeks in the home. Later, the duo is joined by Stephanie Campos, a healer, astrologist, and good witch, who helps them further unpack the apartment's history. Campos also weighs in on the natal charts of Montandon and the co-hosts themselves, and answers some of their biggest astrology questions. Read 'The Intruders' by Pat Montandon: https://amzn.to/3Sqq6KM Interested in working with Stephanie? Book a session here: https://bit.ly/3gyDcsa CREDITS Alyssa Fiorentino - Co-host & Producer Hadley Mendelsohn - Co-host & Producer Jessy Caron - Producer Jacob Stone - Sound Editor & Mixer Ian Munsell - Assistant Audio Engineer Learn more about your ad choices. Visit megaphone.fm/adchoices

Download episode #149 of The Fire & Ice Show featuring artists like : Fasto Ft. Nissa Seych & Full Intention, Lombard Street, O'Man Blues Ft. Dindy & Gianni Junior, Sheldon So Goode & Reelsoul, Reggie Steele, Honey Dijon & KDA, London, Delgado, Emeli Sande & Booker T, Rocco Rodamaal, Cj Reign, Tonis, Craig C & Kim Dawson, Kathy Brown & Pirate Jams, White Ocean, Bakey, Din Jay, Mike Newman & Antoine Cortez, Sandy Rivera Ft. Aruhtra, April Morgan & Glen Horsborough, Mike Millrain, Tuff Jam, T. Markakis & Elliotte Williams-N'Dure, Andy Bach, K London Posse Ft. Maydie Myles & Marco Lys, Floyd Lavine & Pablo Fierro, Fantasia ........

Hadley and Alyssa untangle the many mysteries of 1000 Lombard Street, an apartment in San Francisco's Russian Hill neighborhood where in 1968 an astrology-themed party kick-started a chain of unfortunate events and untimely deaths. The co-hosts dissect the bizarre behavior of a disgruntled tarot card reader who may or may not have cursed the apartment the night of the party. They also review the traumatic incidents that party host and then-tenant Pat Montandon, a journalist and socialite, faced in the years that followed, including the suspicious circumstances of a tragic fire at the apartment.  CREDITS Alyssa Fiorentino - Co-host & Producer Hadley Mendelsohn - Co-host & Producer Jessy Caron - Producer Jacob Stone - Sound Editor & Mixer Ian Munsell - Assistant Audio Engineer Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode profiles the murder/suicide of 48 year old corrections officer Donald Webb Jr. who shot his wife and 13 year old stepson in a rowhome on Lombard Street. This episode also examines the unsolved homicide of 17 year old basketball standout, John Crowder, who was shot and killed in the 2600 block of Garrett Street in Northeast Baltimore in July 0f 2010. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

In episode 32 we get bombarded on Lombard Street by the hot takes and cold cuts of two of Dublin's crowning jewels, Conor Lumsden (of too many bands) and Ross Hamer (of the rest).  Together we wind our way through tales of tragedy and triumph, from surviving a break in at the Brudenell Social Club, to clueless adventures in Bowie-land with John Perry, to wasabi peanuts at 5am and being replaced in a Replacements cover band. All the while taking in the sights, sounds, sins and successes of 'Sonic Seconds', 'Vox Pas', 'Guilty Hatreds' and 'One's We'll Finish Later'.

Download episode #134 of The Fire & ice Show featuring artists like: Lombard Street, Karl8 Ft. Andrea Monta, The Messengers & Lisa Millett, Mike Millrain, Re-Tide Ft. Moon Rocket & Mattei & Omich, The Fog & Full Intention, The Messenger & Todd Edwards, Leandro Di, HP Vince, Low Steppa & Earsling, Emeli Sande & Booker T, Bohemien & Liliya, Chelsea Como, Jacko & Shino Blackk, LK, Random Soul, Alexandre Wauthier, Kevin McKay, Biscits, Nova Fronteira & Scott Diaz, Piem & Alaia & Gallo, Fantasia, Omar & Zed Bias .......

Man flung onto street trying to stop a car burglary on Lombard Street in San Francisco, Mark Thompson shares details on "Law & Disorder". Plus, fresh-faced former producer and Mark's Madness Commissioner joins Mark Thompson to answer your questions surrounding Mark's Madness. See omnystudio.com/listener for privacy information.

Download The Fire & Ice Show featuring artists like : Lombard Street, Bassboy Ft. Paige Nicole & Dj Fen, Obskur & Eats Everything, Bailey Ibbs, Bakey, Tommy Glasses, Duskope, April-Ess Ft. Krissi B, Big Ang & Venz, Din Jay, Genetic Funk, Mike Newman & Antoine Cortez, MrJ, Altered Feast, Jacques Waty, Jay Vegas & Shane D, Matt Jam Lamont Ft. Echleon & Oppidan, Yemi, K. London Posse Ft. Maydie Myles & ATFC, Right To Life , Micky More & Andy Tee,Jay Vegas & Ridney, Johan S & Jay Vegas, Loui & Scibi Ft. Sebb Junior, Mousse T, Cleah & Tensnake, Soulceta, Bruverly Dubs, Romy Black & Sebb Junior, Paco Caniza .....

In Episode 19, Michael and Julian talk aboutSan Francisco.  Michael likes it but recommends that you take a sweater. Julian has a friend with a planeTipping. Michael has a rant, while Julian tries to explain the rules of tipping in the USOther Show NotesLearn more about how America's culture developed in Julian Bishop's High, Wide, and Handsome.Available here to buy as a paperback, ebook, or audiobookExcerpts, reviews, and more available hereConnect with Julian via:FacebookInstagramTwitterLinkedInConnect with Michael viaTwitterLinkedIn

Rulersby Fenton Johnson (1888-1958)It is said that many a king in troubled Europe would sell his crown for a day of happiness.I have seen a monarch who held tightly the jewel of happiness.On Lombard street in Philadelphia, as evening dropped to earth, I gazed upon a laborer duskier than a sky devoid of moon. He was seated on a throne of flour bags, waving his hand imperiously as two small boys played on their guitars the ragtime tunes of the day. God's blessing on the monarch who rules on Lombard Street in Philadelphia.(This poem is in the public domain.) This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit iwillreadtoyou.substack.com/subscribe

Download episode #110 of The Fire & Ice Show featuring artistslike : Crackazat, Silly Willy, Josh Burnett (UK), Jorn Johansen, Cj Reign, Paul Johansen, MPH, Filta Freqz, Delgado, FLIP-DA-FUNK, DAN T, Caldera (UK), BKT & Rachael Calladine, Angelo Ferreri Ft James Deron & Danmic's, Mike Millrain, Luna City Express & Dario D'Attis, Enlery & Median, Adibanti, TJR Ft. Xaviel & WZA, PlayHardFt. KayJay & Blackfire Beats, Lombard Street, D-Lux, Blind Truth Ft. Tata & Toney, Groove Technicians ......Catch The Fire & Ice Show Saturdays 7-9 PM (GMT) on dejavufm.comDownload the podcast from the dejavufm.com, ITunes, Podomatic, Soundcloud, Mixcloud & Spotify.

Note: This episode is uncensored. Sometimes it's nice to just chat. Chat about what's going on in our current life and look back at the memories of the yesteryear, and that's exactly what trigoman and mexy sought out to do. We chat about how life is currently going and reminisce about the time we attended TwitchCon, where questionable decisions were made… Timestamps 00:00 Intro 01:22 SPOILERS Loki Episode 4 Discussion 06:41 If Jesus just showed up and he's a robot, I'd be shocked 08:11 Is it self-pleasure? 20:32 4th of July weekend plans 25:58 Kids are loud and don't understand social queues 27:34 PNW Heat Bubble 30:17 mexy and trigoman go to TwitchCon ‘15 33:24 Nearly died going up Russian Hill 34:09 Lombard Street is overrated 35:32 Walking around the San Francisco Piers 37:20 Following strangers into questionable bars 43:14 PAX West is happening this year 45:07 Going out and about and masks 54:19 Next week: The Shape of Water 55:17 Outro Timestamps created with https://clips.marketing by @cgenco Credits Socials: https://linktr.ee/pubstomp

San Francisco şehri: Golden Gate Bridge, Sausalito, Lombard Street, Pioneer Park, Özbekistan lokantası.

Chapter 6. An unabridged reading of the Bible of Central Banking - Lombard Street, by Walter Bagehot. Go to www.centralverse.org for episode transcripts and interactive graphics explaining how modern central banks work today. Listen wherever you get your podcasts. Connect with me on twitter @KalebNygaard Subscribe! Rate! Share!

Chapter 5. An unabridged reading of the Bible of Central Banking - Lombard Street, by Walter Bagehot. Go to www.centralverse.org for episode transcripts and interactive graphics explaining how modern central banks work today. Listen wherever you get your podcasts. Connect with me on twitter @KalebNygaard Subscribe! Rate! Share!

Pensada por arquitetos locais pra atrair turistas, a RUA TORTA (que vem cumprindo muito bem o seu propósito turístico) atualmente é um dos locais mais visitados e fotografados de Gramado! Inspirada na Lombard Street, na Califórnia, faz os viajantes brincarem com sua imaginação ao fazerem incríveis registros dessa linda, florida e tortuosa rua! Não vai ficar de fora, vai? Então já digita no GPS “Rua Emílio Sorgetz” e não deixa de conhecer esse ponto turístico da Serra! --- Send in a voice message: https://anchor.fm/souguia/message

Chapter 3. An unabridged reading of the Bible of Central Banking - Lombard Street, by Walter Bagehot. Go to www.centralverse.org for episode transcripts and interactive graphics explaining how modern central banks work today. Listen wherever you get your podcasts. Connect with me on twitter @KalebNygaard Subscribe! Rate! Share!

Chapter 2. An unabridged reading of the Bible of Central Banking - Lombard Street, by Walter Bagehot. Go to www.centralverse.org for episode transcripts and interactive graphics explaining how modern central banks work today. Listen wherever you get your podcasts. Connect with me on twitter @KalebNygaard Subscribe! Rate! Share!

Originally one of the main Roman roads of Londinium this main city street was inhabited during the medieval period by many immigrants from Lombardy in northern Italy and in time hosted many early coffee houses, the Post Office and eventually became famous as a centre for banking.

In January 2008, 18 year old Marioara got into a car on Lombard Street in Dublin City centre, where she and some of her family had been begging for change. She was never seen again. During the garda investigation it became clear that this was an unusual crime - a seemingly random act of violence, likely committed by a member of one of Dublin's criminal gangs. After 6 years, a man went on trial. But would there be justice for Marioara?********* Join me at CrimeCon UK on September 25th and 26th 2021. For more information and tickets visit crimecon.co.uk. Use the code MENSREA for 10% off. Purchase a ticket with the code and get in touch to get a free Mens Rea T-Shirt (limited to first 10 listeners who contact me)********* With thanks to our sponsors for this episode: Check out the global leader in mens grooming and Get 20% Off + Free Shipping at Manscaped.com with the code MENS Claim your free case of 8 craft beers at beer52.com/MENS - just pay postage!********* Find us on Facebook or Twitter! With thanks to our supporters on Patreon! Donate today to get access to bonus and ad-free episodes! Check out the Mens Rea Merch Store!********* Theme Music: Quinn’s Song: The Dance Begins Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ Additional Music:   Allemande (Sting) by Wahneta Meixsell. Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/********* Sources: Stephen Breen and Owen Conlon, The Hitmen: The Shocking True Story of a Family of Killers for Hire(London: Penguin, 2021). Purchase it here “Gardai appeal for information in missing Romanian woman” in The Irish Independent https://www.independent.ie/breaking-news/irish-news/gardai-appeal-for-information-on-missing-romania-woman-26344480.html (13 January 2008) Allison Bray and Ralph Riegel, “No trace of missing man after sea search” in The Irish Independent https://www.independent.ie/irish-news/no-trace-of-missing-man-after-sea-search-26344608.html (14 January 2008) “Three arrested in connection with woman's disappearance” in The Irish Independent https://www.independent.ie/breaking-news/irish-news/three-arrested-in-connection-with-womans-disappearance-26495577.html (28 November 2008) Conor Lally, “Three held over missing woman (19)” in The Irish Times (29 November 2008) p. 8. Tom Brady, “Three held over missing girl” in The Irish Independent https://www.independent.ie/irish-news/three-held-over-missing-girl-26495654.html(29 November 2008) “Three in custody over disappearance of Romanian girl” in The Irish Independenthttps://www.independent.ie/breaking-news/irish-news/three-in-custody-over-disappearance-of-romanian-girl-26496234.html(1 December 2008) Conor Lally, “Four held as gardai search canal for missing teen” in The Irish Times (1 December 2008) p. 4. Tom Brady, “Teenager feared killed for refusing to be a prostitute” in The Irish Independenthttps://www.independent.ie/irish-news/teenager-feared-killed-for-refusing-to-be-a-prostitute-26496418.html(2 December 2008) “Man still in custody over teenager's disappearance” in The Irish Independenthttps://www.independent.ie/breaking-news/irish-news/man-still-in-custody-over-teenagers-disappearance-26496445.html(2 December 2008) Alison Healy, “Gardai release three with no charge” in The Irish Times (2 December 2008) p. 3. Tom Brady, “Gardai to step up searches in case of missing girl” in The Irish Independenthttps://www.independent.ie/irish-news/gardai-to-step-up-searches-in-case-of-missing-girl-26496650.html(3 December 2008) Meave Sheehan, “The promise of a hot meal lured this girl to her death” in The Irish Independenthttps://www.independent.ie/irish-news/the-promise-of-a-hot-meal-lured-this-girl-to-her-death-26558743.html(16 August 2009) “Fresh appeal launched over missing teenager” in The Irish Independenthttps://www.independent.ie/breaking-news/irish-news/fresh-appeal-launched-over-missing-teenager-26566653.html(16 September 2009) Tom Brady and Mark Hilliard, “Journalist steps up security after death threats” in The Irish Independenthttps://www.independent.ie/irish-news/journalist-steps-up-security-after-death-threats-26797867.html(2 December 2011) Conor Lally and Ronan McGreevy, “Search resume for remains of woman (19)” in The Irish Times (12 January 2012) p. 6. Tom Brady and Luke Byrne, “Forest combed in hunt for Roma Teen missing since 2008” in The Irish Independent https://www.independent.ie/irish-news/forest-combed-in-hunt-for-roma-teen-missing-since-2008-26810389.html(12 January 2012) Tim O'Brien “Garda search for remains in Wicklow to resume” in The Irish Times (13 January 2012) p. 2. “Search for body of girl expands” in The Irish Independenthttps://www.independent.ie/irish-news/search-for-body-of-girl-expands-26810703.html(13 January 2012) “Gardai continue to search for body at forestry land in Kippure” in The Bray Peoplehttps://www.independent.ie/regionals/braypeople/news/gardai-continue-to-search-for-body-at-forestry-land-in-kippure-27648791.html(19 January 2012) Ed Carty, “Bag believed to contain body of Romanian teenager found by Gardai in Wicklow mountains” in The Irish Independenthttps://www.independent.ie/irish-news/bag-believed-to-contain-body-of-romanian-teenager-found-by-gardai-in-wicklow-mountains-26814091.html(23 January 2012) Ed Carty, “Bones found in bag believed to be those of Romanian teen” in The Irish Independenthttps://www.independent.ie/irish-news/bones-found-in-bag-believed-to-be-those-of-romanian-teen-26814159.html(23 January 2012) For a full list of sources, please see mensreapod.com

"the foundations of the wealth of the City of London"

Transit officials in San Francisco have voted to put HOV lanes on two of the City's busiest corridors. The two stretches will be on Lombard Street in Cow Hollow and Crossover Drive in Golden Gate Park and the Richmond District. For more, KCBS Radio's Jeff Bell and Patti Reising spoke with KCBS Radio Insider Phil Matier. See omnystudio.com/listener for privacy information.

Download episode #91 of The Fire & Ice Show featuring artists like: LK, Danny Cruz, Polymod, Gianni Bini & David Penn, Hifi Sean & Celeda, Layabouts Ft. KOF & Journey Men, Mistura Ft. Bridgett Grace & Shur-I-Kan, Mousse T & Scott Diaz, Patalon, Rhemi & Hanlei, Claes Rosen, Chesus, LOG, Spencer Morales Ft. Tasha LaRae, John Morales & DJ Spen & Gary Hudgins, Lombard Street, Paolo Faz & Mara J Boston, RE-Tide Ft. Moon Rocket & Mattei Omich, Bobby DAmbrosio & Lasala, David Morales Ft. The Face & Riva Starr, Lovely Dana & Nu Ground Foundation, Marc Leaf Ft. Nick Camaro, Malisha Bleau & Midland People ...... Catch The Fire & Ice Show on dejavufm.com,Saturdays 7-9 PM, listen in on the dejaApp, the website or on TuneinApp Download the podcast from dejavufm.com, iTunes , Mixcloud, Soundcloud, Spotify & Podomatic

Chapter 18: San Francisco, CA - While it was only a 24 trip, my express adventure to the Bay Area was definitely a world wind. From going to the Golden Gate Bridge, Lombard Street, to eating some of the best Clam Chowder Sourdough Bread Bowls I’ve ever had San Francisco, in the Summer of 2019 became the last major city in the US I always wanted to visit but never got the chance to as of yet.

La Fundación Rafael del Pino organizó, el 17 de diciembre de 2020, el diálogo titulado “Economía de la Eurozona. Viabilidad de las uniones monetarias”, en el que participaron Luis de Guindos, vicepresidente del Banco Central Europeo; Pedro Schwartz, catedrático de Economía de la Universidad Camilo José Cela, y Juan Castañeda, profesor de economía en la Universidad de Buckingham y director del Institute of International Monetary Research (Buckingham), con motivo de la publicación de la obra de Juan Castañeda, Alessandro Roselli y Geoffrey Wood titulada «The Economics of Monetary Unions. Past Experiences and the Eurozone», editada por Routledge. Pedro Schwartz empezó comentando que la Unión Monetaria Europea ha resistido a grandes dificultades en su corta viva. Sigue viva porque se está transformando. De una manera indirecta, el patrón oro es el modelo que ha intentado repetir el euro para hacer una unión monetaria. El patrón oro fue una unión monetaria de mucho éxito. Las convergencias deseables dentro de una unión monetaria siguen las reglas del siglo XIX, especialmente las de Bagehot, que escribió “Lombard Street” y definió cómo funcionaba el patrón oro. Lo que tienen que mirar las autoridades, en primer lugar, es lo que Bagehot denominó ratio de cobertura, esto es cuanta moneda internacional tienen que tener los distintos miembros para que no haya peligro de que la gente huya del euro, tanto en el país como en el resto del mundo. Luego está el ratio de preocupación, que refleja cuando las cosas empiezan a ponerse de tal manera que hay que tomar medidas. La pregunta sobre cómo organizar el euro se plantea respecto a si se hace de él un sistema automático como el patrón oro, o si por otras razones se cambia a un sistema en el que ninguno de los miembros de la unión monetaria se ve forzado a abandonar la situación. Ahora hay que preguntarse por qué ya no se aplican las reglas de Maastricht sobre las que se fundó el euro. No se aplican porque habría supuesto la expulsión de Grecia del euro. Y como el euro es nuevo y está creando su reputación, una salida de uno de sus miembros habría puesto en peligro el euro. En este contexto, la pregunta es si debemos crear una unión fiscal para acompañar a la unión monetaria. Ahora, cuando estábamos recuperándonos de la crisis de 2008, ha llegado la crisis del Covid-19, que ha trastocado la política monetaria del BCE, que ha prolongado los tipos de interés hacia cero. La oferta monetaria en Europa y en Estados Unidos ha crecido a cifras extraordinarias. Se ha suspendido la obligación de reducir los déficits públicos por debajo del 3% del PIB. Se ha permitido al BCE la compra de deuda pública de forma indirecta, lo que es un cambio en las condiciones de Maastricht. Por fin, habría que ver si los fondos europeos para la recuperación van a ser condicionales, si se dan a ciegas o se impone una forma de reorganizar la economía. La pregunta, por tanto, es cómo volver a una política monetaria normal después de los líos de liquidez que el BCE ha creado en la zona euro. Juan Castañeda se refirió a cuán óptima es el área del euro en comparación con otras economías. Para ello, Castañeda y Schwartz calculan un índice de convergencia macroeconómica a partir de doce indicadores macroeconómicos del área euro. Empiezan por calcular la desviación típica para tratar de estimar cuán de convergentes o cuán de divergentes han sido las economías de los países del área euro en relación a esos doce indicadores. Esos doce indicadores se agrupan en cuatro subíndices: aquellos que se relacionan con el ciclo económico de un país (PIB, PIB per cápita y tasa de desempleo), los que se refieren a la competitividad (IPC, costes laborales y tipo de cambio real), finanzas públicas (tasas de variación del déficit y la deuda pública, en porcentaje del PIB) e indicadores monetarios (tasas de variación del crecimiento monetario, del crédito al sector privado, la balanza por cuenta corriente y los saldos de Target2). Para calcular el índice se toma como año base 1999, el año de creación del euro y se calcula la desviación típica para cada año y para cada uno de los países que formaban parte del área euro en cada momento. La dispersión se calcula de dos formas alternativas. Primero se calcula la desviación típica de la media no ponderada de la Eurozona, como si la dispersión de cada uno de los estados miembros importara lo mismo. La segunda manera es calcular la desviación típica respecto de una media ponderada en función del peso económico de cada Estado miembro en la Eurozona. Las dos formas de cálculo son relevantes. Con la primera, la dispersión en crecimiento económico y finanzas públicas es bastante baja. Las lecciones que nos da el euro desde 1998 son bastante positivas. Las malas noticias vienen por los indicadores monetarios porque la dispersión ha aumentado, sobre todo a partir de la crisis de 2008. Y la dispersión en los indicadores de competitividad ha crecido incluso más. En este caso, las diferencias en salarios, en precios, en tipo de cambio real, ha sido muchísimo mayor, tanto antes como después de la crisis. Si se agrupa la información de estos cuatro indicadores en un índice agregado de dispersión, la dispersión no ponderada refleja que ya antes de la crisis la dispersión ya había aumentado mucho. Por tanto, la situación ya no era buena antes de la crisis. Después de ellas, se acentuaron esas diferencias entre países. A continuación, se calculan los índices de dispersión ponderados. En este caso, la evolución de la Eurozona ha sido mucho más simétrica, pero después de la crisis se volvió a valores mejores que antes de la crisis. Después, se comparan estos resultados con otras áreas monetarias comparables, y se aplica el mismo método para calcular los mismos índices en otras dos zonas monetarias, la del dólar de Estados Unidos y la de la libra esterlina del Reino Unido. La comparación no es sencilla porque en éstas áreas hay un presupuesto común y la unión monetaria lleva muchos años funcionando. Los resultados obtenidos indican que la economía que se ha comportado peor desde el punto de vista de la dispersión ha sido la de la Eurozona, antes y después de la crisis. La economía de Estados Unidos tampoco se ha comportado bien, pero no llega a los niveles de dispersión de los de la Eurozona. La que más simetría ha alcanzado es la del Reino Unido. Con los índices ponderados, la dispersión del área euro es similar a las de otras economías. Tiene sentido hacer los cálculos de las dos maneras, porque si uno está viviendo en una economía pequeña, como Grecia, Chipre o Portugal, y ve que sus tasas de desempleo son muy distintas de las de la Eurozona, y que la política monetaria realmente no le está ayudando a resolver esos problemas, importa mucho desde el punto de vista económico y político. El euro no facilitaría la convergencia de sus miembros y dificulta el papel del BCE como hacedor de una política monetaria única para todos los países miembros. Por tanto, ¿hacia dónde ir? Hay dos modelos. Uno es la Eurozona como un Estado centralizado, en el que las políticas macroeconómicas estén más armonizadas. Esto implicaría una mutualización de la deuda, una unión fiscal y la emisión de bonos europeos. Esto convertiría al BCE en un banco central moderno, es decir, un banco central dispuesto a ayudar a su Estado. Parece que esta es la vía por la que vamos. La otra vía es una descentralización a lo Maastricht, en la que la política fiscal sea una competencia plenamente nacional, con la responsabilidad de cada Estado de pagar su deuda, en la que no habría rescates. Habría la posibilidad de suspender a un Estado miembro, incluso de expulsarlo. Esta opción no se ha probado. Luis de Guindos recordó que el BCE es el banco central de una unión monetaria compuesta por diecinueve países, que es una unión monetaria que no está completa. En la Unión Bancaria falta la existencia de un fondo de garantía de depósitos único. Tampoco tenemos una unión de capitales única. Tenemos una dispersión de reglas, por ejemplo, sobre la imposición del ahorro o sobre situaciones de insolvencia, que hace muy difícil tener un mercado de capitales único. Después está el tema de la unión fiscal, que es el más importante. El fondo de recuperación que se aprobó en julio para hacer frente a la pandemia es, sin duda, un paso muy importante en la dirección correcta: por primera vez hay una emisión de deuda conjunta, parte de las transferencias ya no son reembolsables y la distribución del dinero se hace en función de lo que ha sido el daño producido en cada uno de los países. Es muy importante el que no se haya aceptado nunca la posibilidad de que un Estado miembro abandonara la zona euro. Se eliminó el riesgo de cola, que hubiera tenido unas consecuencias devastadoras sobre la unión monetaria. Esto pone de manifiesto el enorme capital político que existe detrás del euro y que no se debe subestimar nunca. En la situación actual nos encontramos con un shock exógeno, que ha producido un shock sanitario y una caída del PIB de una intensidad y con una rapidez sin precedentes desde el final de la Segunda Guerra Mundial. Entre marzo y mayo, el PIB de la zona euro cae en prácticamente doce puntos. Es importante el impacto financiero que tiene esto porque, a diferencia de otras crisis en las que la restricción financiera proviene del sector bancario o de la restricción de la política monetaria, en este caso se produce a través de las empresas, con una caída de la facturación muy intensa en un periodo muy corto de tiempo. Después, a medida que se produce el desconfinamiento, van recuperándose los niveles de actividad. Es un shock que ha sido común, pero cuyas consecuencias no han sido idénticas. Había economías más expuestas al sector turístico, o que tenían menos margen fiscal, que son las que han sufrido más el impacto de la pandemia. Eso lleva a una primera consideración: para hacer frente a esta dispersión, el instrumento adecuado es la política fiscal. En un primer momento, la política fiscal tiene que ser nacional. Pero, dado el diferente espacio fiscal que tenían los distintos países, no podía ser homogénea y no podía dar lugar a una fragmentación desde el punto de vista de la política fiscal. Por eso, ha sido fundamental la aprobación del fondo de recuperación. Ahí sí se puede hacer una diferenciación de lo que son las situaciones comparativas de los distintos países desde el punto de vista del impacto y de la recuperación. La aportación de la política monetaria también ha sido muy distinta a la de la crisis anterior. En este caso, la política monetaria reacción rápidamente, a través de tres pilares: poner a disposición de los bancos muchísima liquidez en condiciones muy favorables, el programa específico de compra de deuda y medidas macroprudenciales para facilitar que los bancos utilizaran el capital disponible para conceder crédito. Desde el punto de vista del impacto de las condiciones financieras, el BCE ha tenido éxito. No se ha producido una fragmentación del mercado de deuda soberana, que hubiera sido tremendo. Las condiciones de financiación, incluso, se han mantenido en una situación más favorable que la que había antes de la pandemia. Eso ha evitado que a la crisis sanitaria se superponga una crisis de deuda. La actuación del BCE está permitiendo a los gobiernos costes de financiación muy moderados para llevar a cabo la primera línea de actuación, que es la política fiscal. El futuro pasa necesariamente por más integración. Es fundamental completar la estructura institucional del euro. Seguimos teniendo bancos nacionales, sigue habiendo muy pocas transacciones internacionales dentro de la zona euro en procesos de consolidación bancaria, lo que pone de manifiesto que todavía hay algo que impide tener bancos realmente europeos. Es fundamental tener un mercado de capitales único en la zona euro, especialmente después del Brexit. Londres y la City son la unión de capitales de la zona euro y con el Brexit esto se va a ir modificando. Eso exige tomar medidas a nivel nacional a efectos de armonización, especialmente de normativas fiscales y de normativas de insolvencia, que no siempre son sencillas, para conseguir escalas de mercados de capitales que permitan competir con los principales mercados de capitales del mundo y proporcionar financiación a las empresas y familias europeas en las mejores condiciones posibles. Por último, la creación de una institución paneuropea que lleve a cabo una política fiscal común no es un tema sencillo, en el cual todavía hay que llevar a cabo un proceso en paralelo entre la reducción de riesgos junto con compartir riesgos. Antes o después acabará pasando porque, si uno mira en perspectiva lo que han sido los veinte años desde el lanzamiento del euro, se aprecia que el proceso de integración siempre ha ido a más.

La Fundación Rafael del Pino organizó, el 17 de diciembre de 2020, el diálogo titulado “Economía de la Eurozona. Viabilidad de las uniones monetarias”, en el que participaron Luis de Guindos, vicepresidente del Banco Central Europeo; Pedro Schwartz, catedrático de Economía de la Universidad Camilo José Cela, y Juan Castañeda, profesor de economía en la Universidad de Buckingham y director del Institute of International Monetary Research (Buckingham), con motivo de la publicación de la obra de Juan Castañeda, Alessandro Roselli y Geoffrey Wood titulada «The Economics of Monetary Unions. Past Experiences and the Eurozone», editada por Routledge. Pedro Schwartz empezó comentando que la Unión Monetaria Europea ha resistido a grandes dificultades en su corta viva. Sigue viva porque se está transformando. De una manera indirecta, el patrón oro es el modelo que ha intentado repetir el euro para hacer una unión monetaria. El patrón oro fue una unión monetaria de mucho éxito. Las convergencias deseables dentro de una unión monetaria siguen las reglas del siglo XIX, especialmente las de Bagehot, que escribió “Lombard Street” y definió cómo funcionaba el patrón oro. Lo que tienen que mirar las autoridades, en primer lugar, es lo que Bagehot denominó ratio de cobertura, esto es cuanta moneda internacional tienen que tener los distintos miembros para que no haya peligro de que la gente huya del euro, tanto en el país como en el resto del mundo. Luego está el ratio de preocupación, que refleja cuando las cosas empiezan a ponerse de tal manera que hay que tomar medidas. La pregunta sobre cómo organizar el euro se plantea respecto a si se hace de él un sistema automático como el patrón oro, o si por otras razones se cambia a un sistema en el que ninguno de los miembros de la unión monetaria se ve forzado a abandonar la situación. Ahora hay que preguntarse por qué ya no se aplican las reglas de Maastricht sobre las que se fundó el euro. No se aplican porque habría supuesto la expulsión de Grecia del euro. Y como el euro es nuevo y está creando su reputación, una salida de uno de sus miembros habría puesto en peligro el euro. En este contexto, la pregunta es si debemos crear una unión fiscal para acompañar a la unión monetaria. Ahora, cuando estábamos recuperándonos de la crisis de 2008, ha llegado la crisis del Covid-19, que ha trastocado la política monetaria del BCE, que ha prolongado los tipos de interés hacia cero. La oferta monetaria en Europa y en Estados Unidos ha crecido a cifras extraordinarias. Se ha suspendido la obligación de reducir los déficits públicos por debajo del 3% del PIB. Se ha permitido al BCE la compra de deuda pública de forma indirecta, lo que es un cambio en las condiciones de Maastricht. Por fin, habría que ver si los fondos europeos para la recuperación van a ser condicionales, si se dan a ciegas o se impone una forma de reorganizar la economía. La pregunta, por tanto, es cómo volver a una política monetaria normal después de los líos de liquidez que el BCE ha creado en la zona euro. Juan Castañeda se refirió a cuán óptima es el área del euro en comparación con otras economías. Para ello, Castañeda y Schwartz calculan un índice de convergencia macroeconómica a partir de doce indicadores macroeconómicos del área euro. Empiezan por calcular la desviación típica para tratar de estimar cuán de convergentes o cuán de divergentes han sido las economías de los países del área euro en relación a esos doce indicadores. Esos doce indicadores se agrupan en cuatro subíndices: aquellos que se relacionan con el ciclo económico de un país (PIB, PIB per cápita y tasa de desempleo), los que se refieren a la competitividad (IPC, costes laborales y tipo de cambio real), finanzas públicas (tasas de variación del déficit y la deuda pública, en porcentaje del PIB) e indicadores monetarios (tasas de variación del crecimiento monetario, del crédito al sector privado, la balanza por cuenta corriente y los saldos de Target2). Para calcular el índice se toma como año base 1999, el año de creación del euro y se calcula la desviación típica para cada año y para cada uno de los países que formaban parte del área euro en cada momento. La dispersión se calcula de dos formas alternativas. Primero se calcula la desviación típica de la media no ponderada de la Eurozona, como si la dispersión de cada uno de los estados miembros importara lo mismo. La segunda manera es calcular la desviación típica respecto de una media ponderada en función del peso económico de cada Estado miembro en la Eurozona. Las dos formas de cálculo son relevantes. Con la primera, la dispersión en crecimiento económico y finanzas públicas es bastante baja. Las lecciones que nos da el euro desde 1998 son bastante positivas. Las malas noticias vienen por los indicadores monetarios porque la dispersión ha aumentado, sobre todo a partir de la crisis de 2008. Y la dispersión en los indicadores de competitividad ha crecido incluso más. En este caso, las diferencias en salarios, en precios, en tipo de cambio real, ha sido muchísimo mayor, tanto antes como después de la crisis. Si se agrupa la información de estos cuatro indicadores en un índice agregado de dispersión, la dispersión no ponderada refleja que ya antes de la crisis la dispersión ya había aumentado mucho. Por tanto, la situación ya no era buena antes de la crisis. Después de ellas, se acentuaron esas diferencias entre países. A continuación, se calculan los índices de dispersión ponderados. En este caso, la evolución de la Eurozona ha sido mucho más simétrica, pero después de la crisis se volvió a valores mejores que antes de la crisis. Después, se comparan estos resultados con otras áreas monetarias comparables, y se aplica el mismo método para calcular los mismos índices en otras dos zonas monetarias, la del dólar de Estados Unidos y la de la libra esterlina del Reino Unido. La comparación no es sencilla porque en éstas áreas hay un presupuesto común y la unión monetaria lleva muchos años funcionando. Los resultados obtenidos indican que la economía que se ha comportado peor desde el punto de vista de la dispersión ha sido la de la Eurozona, antes y después de la crisis. La economía de Estados Unidos tampoco se ha comportado bien, pero no llega a los niveles de dispersión de los de la Eurozona. La que más simetría ha alcanzado es la del Reino Unido. Con los índices ponderados, la dispersión del área euro es similar a las de otras economías. Tiene sentido hacer los cálculos de las dos maneras, porque si uno está viviendo en una economía pequeña, como Grecia, Chipre o Portugal, y ve que sus tasas de desempleo son muy distintas de las de la Eurozona, y que la política monetaria realmente no le está ayudando a resolver esos problemas, importa mucho desde el punto de vista económico y político. El euro no facilitaría la convergencia de sus miembros y dificulta el papel del BCE como hacedor de una política monetaria única para todos los países miembros. Por tanto, ¿hacia dónde ir? Hay dos modelos. Uno es la Eurozona como un Estado centralizado, en el que las políticas macroeconómicas estén más armonizadas. Esto implicaría una mutualización de la deuda, una unión fiscal y la emisión de bonos europeos. Esto convertiría al BCE en un banco central moderno, es decir, un banco central dispuesto a ayudar a su Estado. Parece que esta es la vía por la que vamos. La otra vía es una descentralización a lo Maastricht, en la que la política fiscal sea una competencia plenamente nacional, con la responsabilidad de cada Estado de pagar su deuda, en la que no habría rescates. Habría la posibilidad de suspender a un Estado miembro, incluso de expulsarlo. Esta opción no se ha probado. Luis de Guindos recordó que el BCE es el banco central de una unión monetaria compuesta por diecinueve países, que es una unión monetaria que no está completa. En la Unión Bancaria falta la existencia de un fondo de garantía de depósitos único. Tampoco tenemos una unión de capitales única. Tenemos una dispersión de reglas, por ejemplo, sobre la imposición del ahorro o sobre situaciones de insolvencia, que hace muy difícil tener un mercado de capitales único. Después está el tema de la unión fiscal, que es el más importante. El fondo de recuperación que se aprobó en julio para hacer frente a la pandemia es, sin duda, un paso muy importante en la dirección correcta: por primera vez hay una emisión de deuda conjunta, parte de las transferencias ya no son reembolsables y la distribución del dinero se hace en función de lo que ha sido el daño producido en cada uno de los países. Es muy importante el que no se haya aceptado nunca la posibilidad de que un Estado miembro abandonara la zona euro. Se eliminó el riesgo de cola, que hubiera tenido unas consecuencias devastadoras sobre la unión monetaria. Esto pone de manifiesto el enorme capital político que existe detrás del euro y que no se debe subestimar nunca. En la situación actual nos encontramos con un shock exógeno, que ha producido un shock sanitario y una caída del PIB de una intensidad y con una rapidez sin precedentes desde el final de la Segunda Guerra Mundial. Entre marzo y mayo, el PIB de la zona euro cae en prácticamente doce puntos. Es importante el impacto financiero que tiene esto porque, a diferencia de otras crisis en las que la restricción financiera proviene del sector bancario o de la restricción de la política monetaria, en este caso se produce a través de las empresas, con una caída de la facturación muy intensa en un periodo muy corto de tiempo. Después, a medida que se produce el desconfinamiento, van recuperándose los niveles de actividad. Es un shock que ha sido común, pero cuyas consecuencias no han sido idénticas. Había economías más expuestas al sector turístico, o que tenían menos margen fiscal, que son las que han sufrido más el impacto de la pandemia. Eso lleva a una primera consideración: para hacer frente a esta dispersión, el instrumento adecuado es la política fiscal. En un primer momento, la política fiscal tiene que ser nacional. Pero, dado el diferente espacio fiscal que tenían los distintos países, no podía ser homogénea y no podía dar lugar a una fragmentación desde el punto de vista de la política fiscal. Por eso, ha sido fundamental la aprobación del fondo de recuperación. Ahí sí se puede hacer una diferenciación de lo que son las situaciones comparativas de los distintos países desde el punto de vista del impacto y de la recuperación. La aportación de la política monetaria también ha sido muy distinta a la de la crisis anterior. En este caso, la política monetaria reacción rápidamente, a través de tres pilares: poner a disposición de los bancos muchísima liquidez en condiciones muy favorables, el programa específico de compra de deuda y medidas macroprudenciales para facilitar que los bancos utilizaran el capital disponible para conceder crédito. Desde el punto de vista del impacto de las condiciones financieras, el BCE ha tenido éxito. No se ha producido una fragmentación del mercado de deuda soberana, que hubiera sido tremendo. Las condiciones de financiación, incluso, se han mantenido en una situación más favorable que la que había antes de la pandemia. Eso ha evitado que a la crisis sanitaria se superponga una crisis de deuda. La actuación del BCE está permitiendo a los gobiernos costes de financiación muy moderados para llevar a cabo la primera línea de actuación, que es la política fiscal. El futuro pasa necesariamente por más integración. Es fundamental completar la estructura institucional del euro. Seguimos teniendo bancos nacionales, sigue habiendo muy pocas transacciones internacionales dentro de la zona euro en procesos de consolidación bancaria, lo que pone de manifiesto que todavía hay algo que impide tener bancos realmente europeos. Es fundamental tener un mercado de capitales único en la zona euro, especialmente después del Brexit. Londres y la City son la unión de capitales de la zona euro y con el Brexit esto se va a ir modificando. Eso exige tomar medidas a nivel nacional a efectos de armonización, especialmente de normativas fiscales y de normativas de insolvencia, que no siempre son sencillas, para conseguir escalas de mercados de capitales que permitan competir con los principales mercados de capitales del mundo y proporcionar financiación a las empresas y familias europeas en las mejores condiciones posibles. Por último, la creación de una institución paneuropea que lleve a cabo una política fiscal común no es un tema sencillo, en el cual todavía hay que llevar a cabo un proceso en paralelo entre la reducción de riesgos junto con compartir riesgos. Antes o después acabará pasando porque, si uno mira en perspectiva lo que han sido los veinte años desde el lanzamiento del euro, se aprecia que el proceso de integración siempre ha ido a más.

Download episode #79 of The Fire & Ice Show featuring artists like : Crackazat, Davids Migliardi, Duskope & Brock Edwards, Blind Truth Ft. Tata & Toney, Block & Crown & Marc Rousso, HP Vince & Chuck Roberts, Derrick Da House & Sasha Virus, Scott Diaz & LOA, Lavonz, CJ Reign, Matt Early, Ray Hurley, Abi Flynn & Mike Millrain, Soulecta, Lombard Street, Bakey, Paul Hardcastle, Moodena, Cassara, & Karminadai, Randy Crawford & Mousse T, Simon Adams & Max Millan, Low Steppa, Serious Intention & Michael Gray, Blind Truth Ft. Tata & Toney & Groove Technicians, Catch The Fire & Ice Show on dejavufm.com 7-9 PM Saturdays Download the podcast from dejavufm.com, iTunes , Spotify, Mixcloud, Soundcloud, Podcast. We will be back on Saturday 26th December Boxing Day.

"make sure you turn the girl into money"

Oh boy, this week we watched Fantasy Island, an unfortunate dumptruck of a remake of the 70’s TV show. You can call this movie Lombard Street because boy is it full of nonsensical twists and turns. We talk nicknames, jacked therapists, and how Jen’s preferred methods of theoretical torture. Be sure to rate and subscribe or we’ll make you be a part of our crappy fantasies. Stats/info: 2020, directed by Jeff Wadlow, starring Michael Peña, Maggie Q, Lucy Hale, Austin Stowell, Portia Doubleday, Jimmy O. Yang, Ryan Hansen, and Michael Rooker.

Download episode 73 of The Fire & Ice Show featuring artists like: Bakey, Lombard Street, Jay Ward, Matt Early Ft. Ray Hurley Abi Flynn & Mike Millrain. Lewis Function, Giman, David Penn & Qubiko, Peter Brown, Gene Farris & DJ Rae, Luna City Express & Dario D'Attis, Rhemi Ft. Cassius Henry & Opolopo, Sandy Rivera Ft. Aruhtra & April Morgan, Anthony Lamont, Duskope & Brock Edwards, Delgado, Tony Fuel & Sasha Virus, Derrick Da House, Adina Howard & Danny J Lewis, Oliver Dollar Ft. Brillstein & Todd Edwards ......... Catch The Fire & Ice Show on dejavufm.com Saturdays 7-9 PM, listen in on dejavufm.com or on the Tunein App Download the podcast from dejavufm.com, ITunes, Mixcloud, Soundcloud & Spotify

Download episode 70 of The Fire & Ice Show featuring artists like : BKT & Rachael Calladine , Blind Truth Ft. Tata & Toney & GrooveTechnicians , Craig C & Kim Dawson , Fizzikx & Brock Edwards , Delgado , Lewis Funktion , Cj Reign , Soulecta , Sneaker Pimps , Lombard Street , Bakey , Doug Lazy , Tonis ....... Fire & Ice Show on dejavufm.com each Saturday from 7 - 9 PM GMT listen in on dejavufm.com or the TuneinApp. Download the podcast from dejavufm.com , ITunes , Spotify , Mixcloud & Soundclound .

Il existe, à San Francisco, une portion de rue présentant une succession de virages très serrés. Lombard Street, puisque tel est son nom, serait ainsi l'une des rues les plus sinueuses des États-Unis, et peut-être du monde. Cette disposition particulière, qui n'est pas sans poser des problèmes de circulation, répond à certains impératifs... See acast.com/privacy for privacy and opt-out information.

Raining San Francisco Hotel Window at 6:03 PM in Russian Hill, San Francisco, CA ASMR for relax, study and sleep Russian Hill is a quaint, upscale residential community known for the famously crooked Lombard Street, a major tourist destination. The iconic San Francisco cable cars crest the neighborhood’s hills, which provide views of a number of city landmarks including the Golden Gate and Bay bridges. Commercial stretches along Polk and Hyde Streets offer an assortment of trendy and old-school restaurants, bars and shops. --- Support this podcast: https://anchor.fm/4amworld/support

Our first look at a central banking figure outside of the United States. Walter Bagehot's book Lombard Street is one of the most important in all of central banking history. (Episode originally aired on June 10, 2016.) Centralverse

Bruce Sherry, DJ Tecklogix, Opolopo, Erik Rico, DJ Malvado, Hector Couto, DJ Fronter, Brooklyn Freinds, Swales, Monki Tracy Leanne, Bobby Starr, Natema, Chris Stussy, DJ Mes Hazel, Chris Carrier, Phil Weeks, Sam Beach, Monkey Brothers, Shaun Escoffery, Terry Hunter Mike Dunn, Tasha LaRae, Jihad Muhammed, DJ Spen, Sean McCabe, DJ Wild, Davide Neri, Lombard Street, KERA, Wes Thomas, Lesny Deep, Player 2, Choklate, Jazzanova, Charlotte OC Alex Demez, Distant People, MPHO... This weeks banging artist on this weeks mix have a blessed day & thank you.

In this episode, I talk about the time I experienced Alcatraz Island, among other spots in San Francisco. I am sure I pronounced Lombard Street as Lumbar, but the rest of the episode was so good and told unscripted, I didn't want to re-record.  Enjoy!!

Spin into Andrew’s tiny world as Andrew and team visit the most famous landmarks in the world. They’ll talk tips, tricks, and unveil the secrets to Andrew’s success all the while taking you to another dimension.

Local San Francisco officials have created a bill requiring people to pay a fee before driving down Lombard Street, the most crooked road in the world. The local government plans to impose a $5 fee for each car, with the price increasing up to $10 on weekends and holidays. City officials have also proposed a reservation system, wherein visitors must reserve a time and date before driving down the street. The new bill was created in response to the street being a huge hit among tourists and causing problems for local residents. An estimated 2 million people visit Lombard Street every year, with queues to drive down the street lasting for up to 10 hours. The volume of visitors has jeopardized the safety and serenity of the lives of Lombard Street residents and the surrounding areas. Residents have complained about heavy traffic, loud noises, piles of trash, and incidences of vandalism and trespassing. According to some residents, tourists have climbed on the roofs of their houses and used their carports as toilets. Local official Catherine Stefani said that the money collected can be used to address the residents' complaints and to employ more police patrols, traffic officers, and tourism ambassadors in the area. San Francisco locals, specifically Lombard Street residents, supported the proposal. The residents are glad that something is being done to address the iconic street's traffic and safety situation. Tourists visiting the street, however, have different reactions to the bill. Some tourists said they would willingly pay the fee to experience driving down Lombard Street; others said they would prefer visiting the spot for free.

The city is experiencing some serious traffic jams due to people driving down Lombard Street. Jeff thinks instead of charging people to drive down it, they should just close it off and make it a park. Assemblyman Ting is proposing a $5 fee on the weekdays and a $10 fee on the weekends to drive down the street. Whose idea makes more sense?

You might soon have to pay a toll on Lombard Street in San Francisco!

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You can certainly be forgiven if all you know about today’s guest is that he was the "Bourgeois" in Bourgeois Tagg and they had that great song “I Don’t Mind At All”.   Surprisingly, Brent Bourgeois is fine with that too.  In fact, he gets much more excited these days talking about his work behind the mixing board than those days spent in front of it.   His career has taken more turns than Lombard Street and in doing so, has intersected with an odd variety of fame.  How odd?  Well, allow me to name-drop: Julian Lennon, Mark Zuckerberg, Michael W Smith, Christine McVie, Johnny Carson and Todd Rundgren.   We spend a good bit of time on the latter as Brent offers up his reverence while also reinforcing Todd’s rather indifferent studio reputation. It’s a laugh out loud moment for sure! In fact, we laugh a lot on this episode and also get serious for just a few minutes with his faith. Brent’s soul searching journey is different than you might expect and I for one find his perspective fascinating.   And last but not least is the music. I hope you enjoy rediscovering those mid 80’s collaborations with Larry Tagg as well as his sadly overlooked solo work of the 90’s.  

This is our first episode covering a movie from the Marvel Cinematic Universe, and joining us for the occasion is one of our favorite guests, Ed Carden - a resident MCU expert and member of the Pushers comedy troupe! Ant Man and the Wasp shows a light-hearted, fun side of the MCU and we like it because it takes playing with Matchbox Cars to a whole new level. Besides, Reels and Wheels has a moral obligation to cover any movie that includes a chase down Lombard Street. Enjoy the new episode and leave us some feedback - @ReelsandWheels, @SidBridgeComedy, @S2KJames and find Ed at www.pushcomedytheater.com!  

LOMBARD STREET is on DEEPINSIDE 11/02/2019 01 Lombard Street - Franktified (Plastik People) 02 Paris Cesvette - If You Love Me (Groove Odyssey) 03 Jeremy Sylvester - Set You Free (Urban Dubz) 04 Lombard Street - Jump Up & Down (Urban Dubz) 05 Lewis City - Im So 90’s (Crazy Dub) 06 Mike Millrain - I Can Show You (Soul Revolution) 07 Lombard Street - Making Love 2 My Mind (Urban Dubz) 08 Lombard Street- Call My Name (Snazzy Traxx) 09 Jeremy Sylvester - The Look (Urban Dubz) 10 Sean McCabe - Get Together (Plastik People) 11 Agora - Brazilian Coffee (Z Records) 12 Johan S - We Did That (Subtractive Recordings) 13 DJ Able, Mike City - Take for Granted (Tribe Records) 14 Sean McCabe - Now Is The Time (Good Vibrations) ► Infos & bio on www.deepinside.co.uk Join us also on: ► YouTube: http://youtubesub.deepinside.co.uk ► Spotify: http://spotify.deepinside.co.uk ■ The DEEPINSIDE Shop is RE-OPENED: http://shop.deepinside.co.uk © February 2019 DEEPINSIDE Media

A Danish company has set up shop in LA to sell used tissues that supposedly get you sick now, so you won't get sick with the same cold later. 20% of American couples have secret bank accounts or credit cards according to a recent survey. And finally, residents of the famed crooked Lombard Street in San Francisco are fed up with the tourist traffic and want to start charging motorists. (Tim and John suggest you skip Lombard and head over to Vermont St.) Apple Podcasts: apple.co/1WwDBrC Spotify: spoti.fi/2pC19B1 iHeart Radio: bit.ly/2n0Z7H1 Tunein: bit.ly/1SE3NMb Stitcher: bit.ly/1N97Zqu Google Podcasts: bit.ly/1pQTcVW YouTube: bit.ly/1spAF5a Also follow Tim and John on: Facebook: www.facebook.com/focusgroupradio Twitter: www.twitter.com/focusgroupradio Instagram: www.instagram.com/focusgroupradio

This week on episode 107 of the Two Blokes Trading podcast: PART 1: New Tom takes over for the first time and sips some of Two Bloke's favourite Zacapa Rum with old trading friend, Gareth. Tom’s first guest is infamous Rogue Trader ‘Nick Leeson’, the man who broke Barings Bank back in the early 90’s Nick explains how he climbed the ranks in Barings using Telex to make trades and how he ‘didn’t’ get involved in a £2million World Cup bet in Singapore. Part 2 of this interview will be released next week. Guest Interview with Rogue Trader ‘Nick Leeson’Tom (the new Tom) interviews Nick Leeson, the infamous trader that broke Barings Bank by losing over £800 million, over twice the available trading capital of the bank.Nick was sentenced to 6 and a half years in a Singapore prison, although he was released early after being diagnosed with colon cancer. He has recovered and since written a number of books on his experience, while Ewan McGregor played him in the 1999 movie ‘Rogue Trader’. Today, he consults on risk management to investment and financial companies around the world, while still speaking on the after-dinner circuit. He also acts as the Head Trade Consultant at Bizintra Financial Academy. Main Topics Discussed: Tom asks Nick for some gym and lifestyle advice and is told that kebabs and pints was the diet that led him to finish the London Marathon in about four and a half hours. Starting out in Lombard Street at Coutts Bank Nick explains the differences in the technology required to make trades back in the 90’s compared to the ability to trade on your phone nowadays. The Telex! Nick speaks about what the typical trader in Coutts was like and the lifestyle he had. Working through the night and finding a work/life balance as a trader “There’s always a World Cup book going around” – There was a $2million bet on Bulgaria not turning up to the semi final Where can you find Nick Leeson?Website: http://www.nickleeson.comTwitter: @TheNickLeeson  Two Blokes SponsorToday’s episode is sponsored by Bizintra Financial Academy. Bizintra offers sponsored trading programmes that have been developed by professional traders. Don’t pay a fortune to learn how to trade. Simply sign up by using one of their partner brokers and receive trading education and signals by institutional traders.https://bizintra.com/twoblokes/  Want to Talk Shop with the Two Blokes Community?Go to www.twoblokestrading.com/discord and you will automatically be taken to our Discord invite page where you can log in or sign up to be directed to our group.Please keep it classy in a Two Blokes sort of way and feel free to contribute stuff of value. 

This week, Tim and Eve catch up with Laureano Faedi, who just completed a renovation of his store Paloma (112 Gough Street, San Francisco). Larry's a second-generation small businessperson, as he grew up working in his family's restaurant (Alegrias Restaurant, at 2018 Lombard Street, San Francisco).  After recovering from an art school education that "sucked the life out of me," Larry started making t-shirt designs using those iron-on sheets you can run through your home printer. That led to a design job at Levi's, and eventually his own line of ts, Gangs of San Francisco. Now he's the sole owner of Paloma, a store that customers describe as "the last of old San Francisco." There he sells bags he hand sews, vintage clothing from Japan, piles of wool blankets, unique handmade jewlery, and more. "My store is an extension of my home," Larry says, and his personal passions are clear when you enter the shop. Tune in (and subscribe!) to hear more about his path from DIY t-shirt maker to the owner of SF's most beautiful stores. Links: Paloma Hayes Valley Gangs of San Francisco Alegrias Restaurant Crimes of Fashion: Cow Hollow Boutique Shames Shoplifter on Facebook [Rockyt] Paloma on Instagram Avenues Dry Goods' website and Instagram Follow Attention Shoppers via our website, or @shopperspodcast on Twitter, Facebook, and Instagram Subscribe to Attention Shoppers at: Stitcher  iTunes  Google Play TuneIn Thanks for listening, and remember that if you’re spending money, your small, independent, local businesses are where it’s at.

"Keen" quietly opened this week at 1708 Lombard Street. KYW's Hadas Kuznits chats with co-owner Caitlin Roarer about this uniquely designed American comfort food restaurant.

You can call it the City by the Bay, Fog City, SF, San Fran...just don't call it Frisco. This week we are chatting with Leslie Harvey from Trips with Tykes to get her best tips for exploring San Francisco with kids. ON THE PODCAST 032: Chatting with Tamara from Nashville 055: Nashville food tour 2:50 Nashville food scene 7:00 Grand Ole Opry 9:41 Union Station Hotel 12:01 Welcoming back Leslie Harvey 13:30 How long to spend in San Francisco 15:12 Must do sites in San Francisco 17:15 Pier 39 and Fisherman's Wharf 18:39 Getting to the city from the airport 20:03 Getting around the city 21:36 Walt Disney Family Museum 22:38 Best time of year to visit 23:25 Day trips from San Francisco 25:50 Distance to Disneyland 30:56 Best hotels for families 35:00 Best restaurants for families 38:38 Budget tips 41:29 Best place to take a family photo 43:55 Final tips 45:28 Leslie's favorite travel gear 47:55 Tip of the week ABOUT LESLIE HARVEY Leslie Harvey publishes Trips With Tykes, a family travel blog that focuses on the joys and challenges of travel with babies, toddlers, and young kids. Her travel passions include all things Disney as well as air travel, even in spite of her constant battles with the TSA over her toddler's juice box. Leslie is a former attorney and mother of two children, ages 8 and 3. She's originally from Alabama but now calls the San Francisco Bay Area home. Follow Leslie on Facebook, Twitter, Pinterest, Instagram, and Google +. TIPS FOR EXPLORING SAN FRANCISCO WITH KIDS You need at least three days to visit San Francisco and you can easily spend up to a week. Must see sites in San Francisco include: Lombard Street, Alcatraz, Ferry Building, Pier 39, Alamo Square (with the Painted Ladies from Full House), Golden Gate Park, Walt Disney Family Museum, and Chinatown You must book tickets for the boat to Alcatraz in advance Pier 39 (where the sea lions are) / Fisherman's Wharf is very touristy so it is worth a visit but don't plan on spending all your time there The Aquarium by the Bay is a great way to learn about the local ecosystem If you drive, get an app to find parking but it would be best to leave the car at home and use public transportation To get from the airport, you can take a BART train to Union Square but if you are staying elsewhere, you may want to take an Uber or Lyft. It is about a 30-minute drive without too much traffic. Use public transportation in the city and if you want to get out of the city, you can rent a car for the day from an office in the system The cable car is used as a tourist attraction and not as much for reliable transportation Summer is the foggiest but September is the sunniest and warmest so fall is the best time to come. Winter is the rainy season. Best day trips from San Francisco include Sonoma or Napa, Muir Woods, Monterey, or the East Bay like Oakland Disneyland is a 5-6 hour drive from San Francisco Hotels are centered in Union Square and Fisherman's Wharf. Union Square is more centrally located. You need to watch the convention schedule because when large conventions come into town hotels sell out and are extremely expensive (check the Moscone Convention Center schedule). The Westin St. Francis is expensive but you can find deals if you travel off peak. The Fairmont on top Nob Hill is also great with a fun tiki bar. If you use Airbnb, be careful about what neighborhood you choose. Check the San Francisco Chronicle's top 100 restaurant list for fine dining options. Good dining options for kids: Yank Sing dim sum Burritos in the Mission District Ethnic food Food trucks (Off the Grid has pop up locations) There are many free things to do in San Francisco Do the math on CityPass or GoCard to see if it will pay for itself Using the sharing economy (Uber, Lyft, etc) to save money Limit how many museums you do as they are expensive Be prepared that you may need to walk a lot of hills and plan your route accordingly BEST PLACE TO TAKE FAMILY PHOTO Take a photo with the Golden Gate Bridge in the background from the scenic overlook across the bridge (if you head north to Sausalito) Another great spot to take a family photo would be at the Chinatown Gate, in Alamo Park, or at the corner of Haight & Ashbury FAVORITE TRAVEL GEAR Leslie wears a pair of black Mary Jane-style Crocs when she visits San Francisco. Just don't wear sneakers or you will look like a tourist. TIP OF THE WEEK The fog in San Francisco makes it feel much colder than you think it will be. Be sure to bring a raincoat but also something thicker and dress in layers. MENTIONED ON THE PODCAST Walk Eat Nashville Food tour Hattie B's Hot Chicken Grand Ole Opry Union Station Hotel Nashville Aquarium by the Bay Walt Disney Family Museum Two Days in San Francisco with Kids Is CityPass San Francisco worth it? Family-friendly wineries in Sonoma Tips for Driving the California Coast Tips for Visiting Hearst Castle with Kids Westin St. Francis  Yank Sing dim sum 25 Free things to do in San Francisco FOLLOW US AND SPREAD THE WORD! If you liked this show, please be sure to subscribe on iTunes, Stitcher, or Google Play and leave us a review! Have a question or comment? Send us an email or leave us a voicemail at +1.641.715.3900, ext. 926035# You can also follow our travels on Stuffed Suitcase and We3Travel, or follow the Vacation Mavens on Instagram, Facebook or Twitter. Thanks for listening!

Think about the last compliment you received from someone. I bet it made you feel really good. Years ago, a cashier at a drive through window at a Jack in the Box paid Jason Jennings a compliment that he's never forgotten; you could even say it was a life changer. To this day Jason can't drive by the place on Lombard Street, in San Francisco, where the restaurant was located, without smiling a big smile. In this new edition of The Game Changers Jason shares the seven reasons why you should make giving compliments a big part of your life.

Cash and T.J. talk about the Golden Gate Bridge, cable cars, sticky zippers, Ghirardelli Square, artisan breads, Yentyl, mentholiptus, Gorburger, the Cannes Film Festival, The Emoji Movie, Lombard Street, The Kentucky Derby, Summer School and ask the question, “What is the ‘mystery’ at the Winchester house?” This is a self guided episode, please listen on your Ipod Nano….   Learn more about your ad choices. Visit megaphone.fm/adchoices

LOMBARD STREET is on DEEPINSIDE 24/04/2017 Tracklisting: 01 Earl Tutu, John Khan, Mike City - Lately We [Booker T Deep Vocal] (Liquid Deep) 02 Ross Couch - Vortex (Body Rhythm) 03 Alpha Dogs - What You Feelin [Animist Bump Mix] (Replay) 04 Sebb Junior - Nobody (Large Music) 05 James Benedict - Yeah (Delve Deeper) 06 Keith Sibley - Stand By Me [Johan S mix] (Plastic People) 07 Micky More & Andy Tee - Soul Heaven 'Alright' (GrooveJet Records) 08 Moad - U N Me [Mick James & Mike Millrain mix] (Soul Revolution) 09 Ross Couch - Trust Issues (Body Rhythm) 10 Lombard Street - Side 2 Side (Unique2rhythm) 11 Rumor - Fake (Method Music) 12 Negrocan - Aquela Esquina [Grant Nelson Club] (Swing City Records) 13 The Groove Relation - Mellow Mellow (SFH) More infos, bio and links of podcast on www.deepinside.co.uk © April 2017 DEEPINSIDE Media

You already have yourreasons for hating San Francisco. The tech bros. The housing crisis. Twitter. The jerks on Lombard Street trying to charge a toll to drive down their stupid winding street. If you need another, consider the traffic. Oh god, the traffic. San Francisco Bay Area commuters spend an average of 78 hours creeping through gridlocked traffic each year, according to the Texas A&M Transportation Institute.

Amazing Grace is the most popular song on Earth. It has been sung more times by more people in more languages, than any other song in the history of the planet. Amazing Grace is probably one of the best known hymns in the world today. The words tell of the grace of God - the gift of forgiveness and life that he gives to us freely.A rendition of Amazing Grace by Judy Collins went to the top of the popular music charts in the U.S. in the 1970s. It was the first and only time a spiritual song has done this.The hymn was written by John Newton, an English man who was born in 1725.(more info on Newton below) During the first 30 years of his life, Newton was certainly a miserable, unhappy, and mean person--in other words, "a wretch." As a child he was rebellious and constantly in trouble. As a young man he used profanity, drank excessively, and went through periods of violent, angry behavior. When Newton was in his early twenties, he became involved in the slave trade: living in Africa, hunting down slaves, and managing a "slave factory" (where the unfortunate captives were held for sale). Later he was the captain of a slave ship which made three voyages from Great Britain to Africa (where he loaded a cargo of slaves) and finally to America to sell them. During one voyage he cried out to God for mercy as the ship was tossed about in a storm. His ship was spared and John Newton began his walk towards Christ. He continued to be a slave trader for some years but there was a slow transformation and within the next 20 years Newton had given up this life and had become the parish priest of Olney, a village near London. Whilst here he wrote the the words to the famous hymn, Amazing Grace. (compiled from various sources on the Internet)This NEW BLUEGRASS VERSION of this Classic HYMN was produced by Shiloh Worship Music. We pray this song blesses you and draws you into His Amazing Presence. It is a bluegrass version of the tune, with Banjo,Guitar, Acoustic Bass, Mandolin and Fiddles . Vintage footage from Appalachia accompanies this traditional Bluegrass hymnVISIT OUR YouTube CHANNEL http://www.youtube.com/user/ShilohWorshipGroupWords: John Newton (1715-1807)Music: American melody from Carrell's and Clayton's Virginia Harmony (1831) AMAZING GRACED G DAmazing grace! How sweet the sound D AThat saved a wretch like me! D G DI once was lost but now I'm found; Bm D A DWas blind, but now I see.'Twas grace that taught my heart to fearAnd grace my fears relieved.How precious did that grace appearThe hour I first believed!The Lord has promised good to me;His Word my hope secures.He will my shield and portion beAs long as life endures.Through many dangers toils and snaresI have already come.'Tis grace hath brought me safe thus farAnd grace will lead me home.When we've been there ten thousand years,Bright shining as the sun,We've no less days to sing God's praiseThan when we first begun.© 2012 Shiloh Worship Music COPY FREELY;This Music is copyrighted to prevent misuse, however,permission is granted for non-commercial copying-Radio play permitted.www.shliohworshipmusic.comJohn NewtonFrom Wikipedia, the free encyclopediaJohn Newton.John Henry Newton (July 24, 1725 December 21, 1807) was a British sailor and Anglican clergyman. Starting his career at sea, at a young age, he became involved with the slave trade for a few years. After experiencing a religious conversion, he became a minister, hymn-writer, and later a prominent supporter of the abolition of slavery. He was the author of many hymns, including "Amazing Grace" and "Glorious Things of Thee are Spoken."Early lifeJohn Newton was born in Wapping, London, in 1725, the son of John Newton Sr., a shipmaster in the Mediterranean service, and Elizabeth Newton (née Seatclife), a Nonconformist Christian. His mother died of tuberculosis in July, 1732, about two weeks before his seventh birthday.[1] Two years later, he went to live in Aveley, the home of his father's new wife.[2] Newton spent two years at boarding school. At age eleven he went to sea with his father. Newton sailed six voyages before his father retired in 1742. Newton's father made plans for him to work at a sugar plantation in Jamaica. Instead, Newton signed on with a merchant ship sailing to the Mediterranean Sea.In 1743, while on the way to visit some friends, Newton was captured and pressed into the naval service by the Royal Navy. He became a midshipman aboard HMS Harwich. At one point, Newton attempted to desert and was punished in front of the crew of 350. Stripped to the waist, tied to the grating, he received a flogging of one dozen lashes, and was reduced to the rank of a common seaman.[3][unreliable source?]Following that disgrace and humiliation, Newton initially contemplated suicide.[3][unreliable source?] He recovered, both physically and mentally. Later, while Harwich was on route to India, he transferred to Pegasus, a slave ship bound for West Africa. The ship carried goods to Africa, and traded them for slaves to be shipped to England and other countries.Newton proved to be a continual problem for the crew of Pegasus. They left him in West Africa with Amos Clowe, a slave dealer. Clowe took Newton to the coast, and gave him to his wife Princess Peye, an African duchess. Newton was abused and mistreated along with her other slaves. It was this period that Newton later remembered as the time he was "once an infidel and libertine, a servant of slaves in West Africa."Early in 1748 he was rescued by a sea captain who had been asked by Newton's father to search for him. And he made it to freedom.[citation needed]In 1750 he married his childhood sweetheart in St. Margaret's Church, Rochester[4].[edit]Spiritual conversionHe sailed back to England in 1748 aboard the merchant ship Greyhound, which was carrying beeswax and dyer's wood, now referred to as camwood. During this voyage, he experienced a spiritual conversion. The ship encountered a severe storm off the coast of Donegal and almost sank. Newton awoke in the middle of the night and finally called out to God as the ship filled with water. After he called out, the cargo came out and stopped up the hole, and the ship was able to drift to safety. It was this experience which he later marked as the beginnings of his conversion to evangelical Christianity. As the ship sailed home, Newton began to read the Bible and other religious literature. By the time he reached Britain, he had accepted the doctrines of evangelical Christianity. The date was March 10, 1748, an anniversary he marked for the rest of his life. From that point on, he avoided profanity, gambling, and drinking. Although he continued to work in the slave trade, he had gained a considerable amount of sympathy for the slaves. He later said that his true conversion did not happen until some time later: "I cannot consider myself to have been a believer in the full sense of the word, until a considerable time afterwards."[5]Newton returned to Liverpool, England and, partly due to the influence of his father's friend Joseph Manesty, obtained a position as first mate aboard the slave ship Brownlow, bound for the West Indies via the coast of Guinea. During the first leg of this voyage, while in west Africa (1748–1749), Newton acknowledged the inadequacy of his spiritual life. While he was sick with a fever, he professed his full belief in Christ and asked God to take control of his destiny. He later said that this experience was his true conversion and the turning point in his spiritual life. He claimed it was the first time he felt totally at peace with God.Still, he did not renounce the slave trade until later in his life. After his return to England in 1750, he made three further voyages as captain of the slave-trading ships Duke of Argyle (1750) and African (1752–1753 and 1753–1754). He only gave up seafaring and his active slave-trading activities in 1754, after suffering a severe stroke, but continued to invest his savings in Manesty's slaving operations."[6][edit]Anglican priestIn 1755 Newton became tide surveyor (a tax collector) of the port of Liverpool, again through the influence of Manesty. In his spare time, he was able to study Greek, Hebrew, and Syriac. He became well known as an evangelical lay minister. In 1757, he applied to be ordained as a priest in the Church of England, but it was more than seven years before he was eventually accepted.Such was his frustration during this period of rejection that he also applied to the Methodists, Independents and Presbyterians, and applications were even mailed directly to the Bishops of Chester and Lincoln and the Archbishops of Canterbury and York.Eventually, in 1764, he was introduced by Thomas Haweis to Lord Dartmouth, who was influential in recommending Newton to the Bishop of Chester, and who suggested him for the living of Olney, Buckinghamshire. On 29 April 1764 Newton received deacon's orders, and finally became a priest on June 17.As curate of Olney, Newton was partly sponsored by an evangelical philanthropist, the wealthy Christian merchant John Thornton, who supplemented his stipend of £60 a year with £200 a year "for hospitality and to help the poor". He soon became well known for his pastoral care, as much as for his beliefs, and his friendship with Dissenters and evangelical clergy caused him to be respected by Anglicans and Nonconformists alike. He spent sixteen years at Olney, during which time so popular was his preaching that the church had a gallery added to accommodate the large numbers who flocked to hear him.Some five years later, in 1772, Thomas Scott, later to become a biblical commentator and co-founder of the Church Missionary Society, took up the curacy of the neighbouring parishes of Stoke Goldington and Weston Underwood. Newton was instrumental in converting Scott from a cynical 'career priest' to a true believer, a conversion Scott related in his spiritual autobiography The Force Of Truth (1779).In 1779 Newton was invited by John Thornton to become Rector of St Mary Woolnoth, Lombard Street, London, where he officiated until his death. The church had been built by Nicholas Hawksmoor in 1727 in the fashionable Baroque style. Newton then became one of only two evangelical preachers in the capital, and he soon found himself gaining in popularity amongst the growing evangelical party. He was a strong supporter of evangelicalism in the Church of England, and remained a friend of Dissenters as well as Anglicans.Many young churchmen and others enquiring about their faith visited him and sought his advice, including such well-known social figures as the writer and philanthropist Hannah More, and the young Member of Parliament, William Wilberforce, who had recently undergone a crisis of conscience and religious conversion as he was contemplating leaving politics. Having sought his guidance, Newton encouraged Wilberforce to stay in Parliament and "serve God where he was".[7][8]In 1792, he was presented with the degree of Doctor of Divinity by the College of New Jersey (now Princeton University).[edit]AbolitionistNewton in his later yearsIn 1788, 34 years after he had retired from the slave trade, Newton broke a long silence on the subject with the publication of a forceful pamphlet "Thoughts Upon the Slave Trade", in which he described the horrific conditions of the slave ships during the Middle Passage, and apologized for "a confession, which ... comes too late ... It will always be a subject of humiliating reflection to me, that I was once an active instrument in a business at which my heart now shudders." A copy of the pamphlet was sent to every MP, and sold so well that it swiftly required reprinting.[9]Newton became an ally of his friend William Wilberforce, leader of the Parliamentary campaign to abolish the slave trade. He lived to see the passage of the Slave Trade Act 1807.Newton has been called hypocritical by some modern writers for continuing to participate in the slave trade while holding strong Christian convictions. Newton later came to believe that during the first five of his nine years as a slave trader he had not been a Christian in the full sense of the term: "I was greatly deficient in many respects ... I cannot consider myself to have been a believer in the full sense of the word, until a considerable time later."[10] Although this "true conversion" to Christianity also had no immediate impact on his views on slavery, he eventually came to revise them.[edit]Writer and hymnistThe vicarage in Olney where Newton wrote the hymn that would become "Amazing Grace".In 1767 William Cowper, the poet, moved to Olney. He worshipped in the church, and collaborated with Newton on a volume of hymns, which was eventually published as Olney Hymns in 1779. This work had a great influence on English hymnology. The volume included Newton's well-known hymns "Glorious Things of Thee are Spoken", "How Sweet the Name of Jesus Sounds!", "Let Us Love, and Sing, and Wonder", "Come, My Soul, Thy Suit Prepare", "Approach, My Soul, the Mercy-seat", and "Faith's Review and Expectation", which has come to be known by its opening phrase, "Amazing Grace".Many of Newton's (as well as Cowper's) hymns are preserved in the Sacred Harp. He also contributed to the Cheap Repository Tracts.[edit]CommemorationThe gravestone of John Newton in Olney with the epitaph he penned. ■ The town of Newton, Sierra Leone is named after John Newton. To this day there is a philanthropic link between John Newton's church of Olney and Newton, Sierra Leone. ■ Newton was recognized for his hymns of longstanding influence by the Gospel Music Association in 1982 when he was inducted into the Gospel Music Hall of Fame.

Lombard Street's Charles Dumas discusses monetary policy and currency policy regarding the world economy and central banks. He speaks with Tom Keene and Michael McKee on Bloomberg Surveillance. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

With the rise of maritime commerce came the need for insurance. This lecture looks at the origins of insurance, and how it shaped the City and the Industry: http://www.gresham.ac.uk/lectures-and-events/gresham-and-defoe-underwriters-the-origins-of-london-marine-insuranceThis lecture explores the astonishing history of marine insurance underwriting in London by reaching back to Lombard Street in the 1400s, revealing the underwriting activities of some well-known characters, explaining the origins of the Lloyd's market, and shedding light on this critical industry's 300 years of world leadership from LondonThe transcript and downloadable versions of the lecture are available from the Gresham College website: http://www.gresham.ac.uk/lectures-and-events/gresham-and-defoe-underwriters-the-origins-of-london-marine-insurance Gresham College has been giving free public lectures since 1597. This tradition continues today with all of our five or so public lectures a week being made available for free download from our website. There are currently over 1,500 lectures free to access or download from the website.Website: http://www.gresham.ac.ukTwitter: http://twitter.com/GreshamCollegeFacebook: https://www.facebook.com/greshamcollege

SHOW NOTES: Raina’s Website & Twitter. DRAMA. Lombard Street, the (windy) street Raina did not grow up on: TAKE OUT, Raina’s mini-comics, where it all…

I shot this video in San Francisco for the Ford Escape Routes campaign. This is what it is like to drive down the "crookedest street in the world"

Amazing Grace is the most popular song on Earth. It has been sung more times by more people in more languages, than any other song in the history of the planet. Amazing Grace is probably one of the best known hymns in the world today. The words tell of the grace of God - the gift of forgiveness and life that he gives to us freely.A rendition of Amazing Grace by Judy Collins went to the top of the popular music charts in the U.S. in the 1970s. It was the first and only time a spiritual song has done this.The hymn was written by John Newton, an English man who was born in 1725.(more info on Newton below) During the first 30 years of his life, Newton was certainly a miserable, unhappy, and mean person--in other words, "a wretch." As a child he was rebellious and constantly in trouble. As a young man he used profanity, drank excessively, and went through periods of violent, angry behavior. When Newton was in his early twenties, he became involved in the slave trade: living in Africa, hunting down slaves, and managing a "slave factory" (where the unfortunate captives were held for sale). Later he was the captain of a slave ship which made three voyages from Great Britain to Africa (where he loaded a cargo of slaves) and finally to America to sell them. During one voyage he cried out to God for mercy as the ship was tossed about in a storm. His ship was spared and John Newton began his walk towards Christ. He continued to be a slave trader for some years but there was a slow transformation and within the next 20 years Newton had given up this life and had become the parish priest of Olney, a village near London. Whilst here he wrote the the words to the famous hymn, Amazing Grace. (compiled from various sources on the Internet)This NEW BLUEGRASS VERSION of this Classic HYMN was produced by Shiloh Worship Music. We pray this song blesses you and draws you into His Amazing Presence. It is a bluegrass version of the tune, with Banjo,Guitar, Acoustic Bass, Mandolin and Fiddles . Vintage footage from Appalachia accompanies this traditional Bluegrass hymnVISIT OUR YouTube CHANNEL http://www.youtube.com/user/ShilohWorshipGroupWords: John Newton (1715-1807)Music: American melody from Carrell's and Clayton's Virginia Harmony (1831) AMAZING GRACED G DAmazing grace! How sweet the sound D AThat saved a wretch like me! D G DI once was lost but now I'm found; Bm D A DWas blind, but now I see.'Twas grace that taught my heart to fearAnd grace my fears relieved.How precious did that grace appearThe hour I first believed!The Lord has promised good to me;His Word my hope secures.He will my shield and portion beAs long as life endures.Through many dangers toils and snaresI have already come.'Tis grace hath brought me safe thus farAnd grace will lead me home.When we've been there ten thousand years,Bright shining as the sun,We've no less days to sing God's praiseThan when we first begun.© 2012 Shiloh Worship Music COPY FREELY;This Music is copyrighted to prevent misuse, however,permission is granted for non-commercial copying-Radio play permitted.www.shliohworshipmusic.comJohn NewtonFrom Wikipedia, the free encyclopediaJohn Newton.John Henry Newton (July 24, 1725 December 21, 1807) was a British sailor and Anglican clergyman. Starting his career at sea, at a young age, he became involved with the slave trade for a few years. After experiencing a religious conversion, he became a minister, hymn-writer, and later a prominent supporter of the abolition of slavery. He was the author of many hymns, including "Amazing Grace" and "Glorious Things of Thee are Spoken."Early lifeJohn Newton was born in Wapping, London, in 1725, the son of John Newton Sr., a shipmaster in the Mediterranean service, and Elizabeth Newton (née Seatclife), a Nonconformist Christian. His mother died of tuberculosis in July, 1732, about two weeks before his seventh birthday.[1] Two years later, he went to live in Aveley, the home of his father's new wife.[2] Newton spent two years at boarding school. At age eleven he went to sea with his father. Newton sailed six voyages before his father retired in 1742. Newton's father made plans for him to work at a sugar plantation in Jamaica. Instead, Newton signed on with a merchant ship sailing to the Mediterranean Sea.In 1743, while on the way to visit some friends, Newton was captured and pressed into the naval service by the Royal Navy. He became a midshipman aboard HMS Harwich. At one point, Newton attempted to desert and was punished in front of the crew of 350. Stripped to the waist, tied to the grating, he received a flogging of one dozen lashes, and was reduced to the rank of a common seaman.[3][unreliable source?]Following that disgrace and humiliation, Newton initially contemplated suicide.[3][unreliable source?] He recovered, both physically and mentally. Later, while Harwich was on route to India, he transferred to Pegasus, a slave ship bound for West Africa. The ship carried goods to Africa, and traded them for slaves to be shipped to England and other countries.Newton proved to be a continual problem for the crew of Pegasus. They left him in West Africa with Amos Clowe, a slave dealer. Clowe took Newton to the coast, and gave him to his wife Princess Peye, an African duchess. Newton was abused and mistreated along with her other slaves. It was this period that Newton later remembered as the time he was "once an infidel and libertine, a servant of slaves in West Africa."Early in 1748 he was rescued by a sea captain who had been asked by Newton's father to search for him. And he made it to freedom.[citation needed]In 1750 he married his childhood sweetheart in St. Margaret's Church, Rochester[4].[edit]Spiritual conversionHe sailed back to England in 1748 aboard the merchant ship Greyhound, which was carrying beeswax and dyer's wood, now referred to as camwood. During this voyage, he experienced a spiritual conversion. The ship encountered a severe storm off the coast of Donegal and almost sank. Newton awoke in the middle of the night and finally called out to God as the ship filled with water. After he called out, the cargo came out and stopped up the hole, and the ship was able to drift to safety. It was this experience which he later marked as the beginnings of his conversion to evangelical Christianity. As the ship sailed home, Newton began to read the Bible and other religious literature. By the time he reached Britain, he had accepted the doctrines of evangelical Christianity. The date was March 10, 1748, an anniversary he marked for the rest of his life. From that point on, he avoided profanity, gambling, and drinking. Although he continued to work in the slave trade, he had gained a considerable amount of sympathy for the slaves. He later said that his true conversion did not happen until some time later: "I cannot consider myself to have been a believer in the full sense of the word, until a considerable time afterwards."[5]Newton returned to Liverpool, England and, partly due to the influence of his father's friend Joseph Manesty, obtained a position as first mate aboard the slave ship Brownlow, bound for the West Indies via the coast of Guinea. During the first leg of this voyage, while in west Africa (1748–1749), Newton acknowledged the inadequacy of his spiritual life. While he was sick with a fever, he professed his full belief in Christ and asked God to take control of his destiny. He later said that this experience was his true conversion and the turning point in his spiritual life. He claimed it was the first time he felt totally at peace with God.Still, he did not renounce the slave trade until later in his life. After his return to England in 1750, he made three further voyages as captain of the slave-trading ships Duke of Argyle (1750) and African (1752–1753 and 1753–1754). He only gave up seafaring and his active slave-trading activities in 1754, after suffering a severe stroke, but continued to invest his savings in Manesty's slaving operations."[6][edit]Anglican priestIn 1755 Newton became tide surveyor (a tax collector) of the port of Liverpool, again through the influence of Manesty. In his spare time, he was able to study Greek, Hebrew, and Syriac. He became well known as an evangelical lay minister. In 1757, he applied to be ordained as a priest in the Church of England, but it was more than seven years before he was eventually accepted.Such was his frustration during this period of rejection that he also applied to the Methodists, Independents and Presbyterians, and applications were even mailed directly to the Bishops of Chester and Lincoln and the Archbishops of Canterbury and York.Eventually, in 1764, he was introduced by Thomas Haweis to Lord Dartmouth, who was influential in recommending Newton to the Bishop of Chester, and who suggested him for the living of Olney, Buckinghamshire. On 29 April 1764 Newton received deacon's orders, and finally became a priest on June 17.As curate of Olney, Newton was partly sponsored by an evangelical philanthropist, the wealthy Christian merchant John Thornton, who supplemented his stipend of £60 a year with £200 a year "for hospitality and to help the poor". He soon became well known for his pastoral care, as much as for his beliefs, and his friendship with Dissenters and evangelical clergy caused him to be respected by Anglicans and Nonconformists alike. He spent sixteen years at Olney, during which time so popular was his preaching that the church had a gallery added to accommodate the large numbers who flocked to hear him.Some five years later, in 1772, Thomas Scott, later to become a biblical commentator and co-founder of the Church Missionary Society, took up the curacy of the neighbouring parishes of Stoke Goldington and Weston Underwood. Newton was instrumental in converting Scott from a cynical 'career priest' to a true believer, a conversion Scott related in his spiritual autobiography The Force Of Truth (1779).In 1779 Newton was invited by John Thornton to become Rector of St Mary Woolnoth, Lombard Street, London, where he officiated until his death. The church had been built by Nicholas Hawksmoor in 1727 in the fashionable Baroque style. Newton then became one of only two evangelical preachers in the capital, and he soon found himself gaining in popularity amongst the growing evangelical party. He was a strong supporter of evangelicalism in the Church of England, and remained a friend of Dissenters as well as Anglicans.Many young churchmen and others enquiring about their faith visited him and sought his advice, including such well-known social figures as the writer and philanthropist Hannah More, and the young Member of Parliament, William Wilberforce, who had recently undergone a crisis of conscience and religious conversion as he was contemplating leaving politics. Having sought his guidance, Newton encouraged Wilberforce to stay in Parliament and "serve God where he was".[7][8]In 1792, he was presented with the degree of Doctor of Divinity by the College of New Jersey (now Princeton University).[edit]AbolitionistNewton in his later yearsIn 1788, 34 years after he had retired from the slave trade, Newton broke a long silence on the subject with the publication of a forceful pamphlet "Thoughts Upon the Slave Trade", in which he described the horrific conditions of the slave ships during the Middle Passage, and apologized for "a confession, which ... comes too late ... It will always be a subject of humiliating reflection to me, that I was once an active instrument in a business at which my heart now shudders." A copy of the pamphlet was sent to every MP, and sold so well that it swiftly required reprinting.[9]Newton became an ally of his friend William Wilberforce, leader of the Parliamentary campaign to abolish the slave trade. He lived to see the passage of the Slave Trade Act 1807.Newton has been called hypocritical by some modern writers for continuing to participate in the slave trade while holding strong Christian convictions. Newton later came to believe that during the first five of his nine years as a slave trader he had not been a Christian in the full sense of the term: "I was greatly deficient in many respects ... I cannot consider myself to have been a believer in the full sense of the word, until a considerable time later."[10] Although this "true conversion" to Christianity also had no immediate impact on his views on slavery, he eventually came to revise them.[edit]Writer and hymnistThe vicarage in Olney where Newton wrote the hymn that would become "Amazing Grace".In 1767 William Cowper, the poet, moved to Olney. He worshipped in the church, and collaborated with Newton on a volume of hymns, which was eventually published as Olney Hymns in 1779. This work had a great influence on English hymnology. The volume included Newton's well-known hymns "Glorious Things of Thee are Spoken", "How Sweet the Name of Jesus Sounds!", "Let Us Love, and Sing, and Wonder", "Come, My Soul, Thy Suit Prepare", "Approach, My Soul, the Mercy-seat", and "Faith's Review and Expectation", which has come to be known by its opening phrase, "Amazing Grace".Many of Newton's (as well as Cowper's) hymns are preserved in the Sacred Harp. He also contributed to the Cheap Repository Tracts.[edit]CommemorationThe gravestone of John Newton in Olney with the epitaph he penned. ■ The town of Newton, Sierra Leone is named after John Newton. To this day there is a philanthropic link between John Newton's church of Olney and Newton, Sierra Leone. ■ Newton was recognized for his hymns of longstanding influence by the Gospel Music Association in 1982 when he was inducted into the Gospel Music Hall of Fame.