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The latest write down takes the amount of bad debt incurred by the bank in the US to £7.5bn over the past year. Main losses come from:

Citigroup: $40.7bn

UBS: $38bn

Merrill Lynch: $31.7bn

HSBC: $15.6bn

Bank of America: $14.9bn

Morgan Stanley $12.6bn

Royal Bank of Scotland: $12bn

JP Morgan Chase: $9.7bn

Washington Mutual: $8.3bn

Deutsche Bank: $7.5bn

Wachovia: $7.3bn

Credit Agricole: $6.6bn

Credit Suisse: $6.3bn

Mizuho Financial $5.5bn

Bear Stearns: $3.2bn

Barclays: $3.2bn

Source: Bloomberg and company reports

It’s of no real surprise that there are such high losses in the US, since the downfall of the US economy which has, only just, managed to pull itself back up from the pit of a recession. The stats may be for the US but with the current way in which the UK is currently going, it might not be too long till a new list is published, similar to this but it says the UK losses instead.

I have finally decided that I’d do some redesign for this site, since I want some public drama. I was thinking about adding a clean cut theme, tweak up a bit, and then slap some ad space for you guys.

I also need a banner redesign. Let me know, if you guys can make any banner designs.

I knew taking another test would yield better scores, I went up from a 30 to a 36.75 by ommitting two questions, and missing 12 out 48 questions which I’m not very happy about. One of my biggest problems right now is game theory, it looks long and I’m too lazy to go over it, and on top of that I keep reading about Virtual Private Hosting because I desperately want to finish AP exams, start working, and freaking start my journey into linux administration….. but nooooooooooooooooooo! Freaking Ap exams have to exist. Anyway my score increased, and I plan on spending the rest of my day revising what I did wrong, and thinking how to fix them so that I can do better and hopefully get a 45 by the end of tonight. AP exams are a couple days away.. like 3 days away, and it’s time to sit down, shutup, and focus. Ahh venting your rage online, nothing beats it.

My micro score was a 30 out of 60 which is decent but much lower then what I was expecting. In all honesty I found some questions that I don’t think should’ve made it onto the AP exam but that’s the case, and I can’t do anything about it, and I doubt college board would care about my opinion. This is my first AP exam, and I scored about the same on my first macro exam, there is no doubt in my mind that I could’ve done much better but I didn’t, so all that I’ve got to do is revise what I did wrong, found out where i’m having the most trouble and work to fix those problems. All will be well, I’ll get my five, and the world will rejoice. I don’t really think that I should be worried, and I’m not.

Finally the day has arrived that I have finished reading all of the microeconomic chapters in the Priceton review for Macro / Microeconomics. Tomorrow morning I start my ritual of Practice AP extermination, that is I do exams continuously, and by that I mean a good couple hours of just multiple choice questions. The purpose of doing this is to get a feel for the questions and to identify the areas that i’m completely lacking in, most likely i’ll be lacking in externalities, and maybe just maybe wages but I doubt that. Overall I feel more confident about Microeconomics then I do about Macroeconomics, but I plan on getting a five on both… No, I will get a five on both.

I said that I would five both, and I will five both, I will work my ass off till’ I get my fives, and as myself as my own witness I will say that the AP testers better be ready for some kick ass free response questions.

So apprently this internet millionaire basically treated 300  homeless people to food on his birthday in the name of Karma, now I know a bit about Karma and this man is really doing something great, that will definitely help him out in life, if only in self happiness. This man is worth a good couple of million but the fact that he spent time serving some of the homeless on his b-day really says something. He is doing a great thing by giving on the day that he is supposed to be given to, so I can definitely say that he goes on my list of top 10 role models. Nice going Taj Chahal! Your doing an amazing job by helping people live better even if only for a day.

My scores have gone up from a steady 43-45 range on the multiple choice a now great score of 53-55… that’s a pretty big difference and I’m very proud of it. I think on the macro exam i’ll be able to get a five on that exam with ease, of course I don’t want to get cocky about it but I feel very confident about my ability to do good on it. I talked to Mr. Krause about a question which I had some concern about and he said that their are questions on the AP exam that don’t make any sense, and that you just have to take the loss whether you like it or not. Unfortunately that really angers me because those questions should be removed if they are irrelevant, or have no correct answer considering that it can make a difference of passing or failing.

I think one of the worst thing in microeconomics for me is game theory… I can’t seem to understand it all, an I’m afraid that it might show up on the AP exam. I only have a couple more pages to go in microeconomics before I completely finish it, and hopefully I will finish it, but I’ve been running into a lot of stumbling blocks that seem to be slowing me down to a walking pace. I think I finally memorized all the graphs for perfectly competitive, monopololy, monopolistic competition, and oliogopoly. I think I should do decent on the exam in my current state, and I know that if I study as I did for macro I’ll do just fine.

When a monopolistic firm or any type of firm for that matter can no longer afford to satisfy it’s AVC then it should shutdown because even if they can’t completely fufill their Average fixed cost they can hope to make some profit and start to pay off their average fixed cost, and they can hope to expand so as to obtain economies of scale, while leaving diseconomies of scale. Finally if firm can no longer satisfy the lowest level of average total then they should be in the shutdown phase because they can no longer afford to pay off anything, and they sure as hell aren’t satisfying the lowest portion of Average Total Cost.