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We all are related to the web for both half day or the complete day both through a laptop computer, desktop or mobile phones. If you are not a real-life enthusiast regarding connections, then these chatting websites are the most typical methods to do away with the monotony and plainness of life. You can begin making new pals on the internet and get together with new pals very simply.
Are there any good free chat rooms?
- Rocket.Chat.
- Omegle.
- Chatroulette.
- eHarmony.
- 321 Chat.
- Badoo.
- Paltalk.
- Second Life.
There are a plethora of things that one can do in teen chat rooms. From making new pals to sharing entertaining content online, you can spend high quality time with somebody by chatting and talking. These free chat rooms will automatically connect you with random gay customers so that you simply can easily interact in gay chat.
Gay Chat Rooms
Oftentimes people attempt totally different chat rooms and like a quantity of things, however something or the opposite at all times goes missing. Many online chat rooms concentrate on the dating crowd and develop options in accordance with their demands, whereas others have unfastened safety protocols. There is also an choice to decide out interests, and you will be paired with somebody with similar pursuits. By offering folks to attach with others anonymously, Omegle ranks quite high in the listing of finest online chat rooms. ISexyChat is a extremely intuitive, welcoming, navigable chat site that offers you extra management than lots of the different web sites we've coated. It's free, anonymous, and utterly dedicated to sexual chat between adults. Though it was began back in 2006, the location itself may be very modernized, making going from page to web page really feel like a total breeze.
Thus, no registration or sign up is required to speak online at yesichat. You can chat without offering email or any personal data. You usually are not required to register an account to chat online. Just one click on is enough to start chatting without being required to register, there's no want for registration or sign up. We bring you an internet chat with a design that can compete with any globally recognised chat platform. Our chat is designed in a approach to give you the greatest experience of any nicely recognised chat
Chat For Free
So, if you're eager to hitch the best chat rooms designed for the gay group, then have a look at what all options it's going to offer you to enhance your chatting experience. EnterChatRoom is good for customers who wish to connect with strangers anonymously. The FreeChatRoom function entailed by the platform essentially requires no registration. However, you'll be able to connect various customers from internationally with the live video chat characteristic.
Are there any free chat rooms?
Chatib.us is a web-based free chat rooms. Here you presumably can meet new friends from everywhere in the world.
Another in style but greatest chat rooms service to communicate anonymously with strangers or friends is Chat With Asian. The platform has a free online chat room with webcam functionality. You can even get pleasure from video communication with a member on another facet. Whether you want to speak to a single person or in a bunch, the free grownup chat rooms provide all the features that you just want for.
Connect With The World
application even in a browser. You don't should login or register to meetup or chat with strangers. No check in, enroll, login or registration is required to get began. This helps us create the most effective nameless chat site to talk with nameless strangers from international international locations.
What is the most popular chat site?
WhatsApp is the number one most popular chatting app on the earth, in accordance with Statista research. With 2 billion monthly active users, it's the most-used social messaging app throughout the globe.
It has the potential to establish users that align along with your pursuits precisely. There's no have to register to interact in conversations with others. Since its inception in 2008, the platform has enabled over 5 million customers to interact and type friendships. Enter chatroom lets you have free online chat with unknown of us. Some different free options of this site are a number of webcams, personal chat, group, prompt messaging features, and offline email texting. Omegle is a free online chat website permitting customers one-on-one conversations with random strangers.
High 10 Relationship Chat Rooms: Discovering Love Through Chats
Other greats embody "send a surprise" which helps you to send gifts and the non-public show function that gives you an exclusive chat room for private messages with your most popular mannequin. We additionally love that they've highlighted important pages for you to check out on the dashboard. This contains chat rooms, a "hotlist", blogs, and tons of others. Well, we just can't get enough 321 chat room of Chatmate contemplating other substandard chat sites we've seen around in the business. The Chatmate fashions are super-fun, pleasant, and fairly delicate to your specific needs. Still, this does not overrule the reality that there needs to be consent, boundaries, and respectable rules of engagement moderating the conduct of users in these platforms. Adults must keep respectful communications with other adults over 18 years of age.
Do Yahoo chat rooms nonetheless exist?
The chat room service shut down in 2012.
EliteSingles is probably considered one of the best online chat rooms for people looking to have a serious relationship. A majority of the users of the platform are over 30 years and have a college diploma. One of the most effective online chat rooms for finding a date or casual hangouts, Badoo has efficient features for folks in the courting scene. The ideal Chatzy user is somebody who has been to speak rooms before, may be on the older side, and has an affinity for the basic setup.
Fetlife – Finest Chat Site For Different Content Material
You can use text, voice, and images to speak with others. You can also create your individual group with separate channels easily. Just as the name suggests, you'll have the ability to chat free of charge utilizing Chat for Free. Users aren't required to register an account or fill up something. Anyone can enter and start chatting in a few seconds, with out setting up or downloading something. Everything is free and may be accessed through an online browser. For a free chat room, the variety of options is surprisingly a lot.
You can also chat with certain people utilizing non-public chat rooms. Invite strangers or your mates for a more private dialog anytime and anywhere. Make the best utilization of what we now have to supply be a part of any of the chat rooms on our website and try making some new pals and assembly some new folks. Its only a couple of matter of time that you can see somebody similar to you might be in search of.
People have enjoyed connecting with others online for varied functions for many years now via some of the best online chat rooms available at present. For instance, if you hop onto the Chatville homepage, you'll be given the option to instantaneously leap right into a 16-way video group. It makes Chatville more of an adult video group than it's just a roulette-style grownup site. You also can video up to 4 feeds at a time if you wish. It's free both method, which is one more reason to hop aboard the Chatville practice. ChatRandom is a chat site that randomly pairs you up with others across the globe who're additionally on ChatRandom simultaneously you. You don't need to do anything, aside from have a working digicam and microphone, to seek out somebody to speak with.
- Rockchat presents the users a pleasing cell chat room expertise.
- You can register on Teen Chat at no cost by following some quick and easy steps or logging in as a visitor.
- The world is too large for a thousand people to stay in a room.
- You can create greater than hundred(100) chat rooms at the moment.
They will permit you to send text messages, photos, and images or have a live or video name with gay guys from different corners of the world. ● Free and best chat rooms which are appropriate with mobile phones are super-fast and provide convenient chatting features to customers. RockChat is a globally acknowledged cellular chat site that gives intriguing features to pleasant users. The website incorporates a handy chatting interface that enables users from numerous international locations to connect with their potential matches. Charmdate.com is an elite website that emanates a professional format for individuals who want to meet new associates and are on the lookout for potential love matches.
It can help you simply monitor all activities on the goal system, including browser history. You can faucet on any of the hashtags and be a part of anonymous chat rooms online. That's very true should you now not live in a area the place there aren't many activities or events for seniors. If this feels like your state of affairs, then you might prefer to go with senior chat rooms. They can act as a means to fulfill new individuals sharing your pursuits, particularly if you have a device or system with an internet functionality. Indubitably, free chat rooms for adults are enjoyable, however issues can become worse if you don't think about the consequences of what you're trying to do. So, ensure to keep these tips in your thoughts and be protected while take pleasure in speaking with other adults.
EliteSingles.com is an easy-to-use website that incorporates an intuitive interface. However, the registration course of is a bit longer because it entails a list of questions that customers are obligated to reply to build an optimized profile. Moreover, the platform is exclusively obtainable for US citizens. Talk.chat is the free chat rooms to attach and communicate with pals or new folks. You can create some really greatest chat rooms and invite your dear associates to converse on any matter you desire. In truth, anybody in these free chat rooms can invite new folks, so you'll have a room filled with like-minded folks in a while.


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Photo by Brenda StaudenmeierThis month I fucked three Montreal cops just for the what-the-heck of it. It was kind of like an experiment in hate-fucking, since I am not really fond of the police. I discovered that two out of three of the police officers that I fucked in the past month were molested during their childhood, and that the rest (all one of them) are just sexually deviant.
We meet at a bar where he's hanging out with co-workers. I'm dressed like a perfect bourgeois office girl. Square heels and all.
He's divorced with three kids. One of his daughters is my age. Hello, creepy! Still, aside from his escalator-shaped forehead, he's a pretty good-looking man.
Girls Who Fuck Pigs
Vice: Were you attracted to the guy because he was a cop?
Ann: Yeah, duh! It's the whole thing with the man in uniform—it's a turn on, the manly-man thing.
What about his job got in the way of your relationship?
He worked nights, so he'd always be sleeping during the day. I'd only see him after he got off, which would be like 4 AM. My friends didn't like him because he was such a stereotypical cop.
Was he a good maker-outer at least?
Once we were in his car outside of Safeway, and I moved in and we started kissing. I moved his hand underneath my shirt and bra, and it was like he was a total virgin at it. He didn't know how to even attempt foreplay. Eventually we stopped because he felt weird being in a public space. He was totally paranoid.
How was your cop in bed?
Really dull. He wasn't into foreplay or anything. He was a missionary-for-five-minutes-and-fall-asleep kind of guy. It's probably one of the main reasons we broke up.
Was he fun to hang out with?
Nope. He used to get insanely jealous all the time, and even though he sucked in bed, he must have had a kinky mind, because he had the largest collection of porn I have ever seen in my life. Just stacks and stacks and stacks of nudie magazines.JAMIE, 22
What about his job got in the way of your relationship?
Cops have a reputation for being cheaters. I've heard somehwere that they are the biggest cheaters around. He slept around, and I was finding this out because he wouldn't even pay for it… he sent me the hotel bills from where he had sex with her. And when I confronted him about it, he said that he was in love—which was total bullshit, because she filed a restraining order against him on account of him being such a huge asshole.
Sounds like a fucking dick.
He had all these issues because of the stress of his job, so he would just take it out on me and my daughter. He would lecture us for a minimum of five hours at a time. I could not take that.
Why did you and your cop break up?
He was fucking crazy. He used to hurl things at me, like books, and throw these fucking bitch fits.
How was he in bed?
He always had to be on top, and he didn't care if I came or not. At first the violent fucking was really hot. But after a while he'd just throw the off-switch as fast as he could and go to sleep. That was cheap.
What's the worst thing he ever did?
Once we went to a 7-Eleven and I told him I wouldn't kiss him if he got this pickled sausage thing, and he got really mad and slapped me in the store. Everyone just kind of stared at him like he was the biggest asshole on the planet, and he got really embarrassed and stormed out.
INTERVIEWS BY STEPHANIE FOOHe says that he has "never done this before" ("this" meaning slept with a random jailbait female stranger), but he reeks of pedophilia and therefore I don't believe it for a second. Also, I can tell he's a quick fuck—the kind of sex where I'll have to go to the bathroom to finish myself off.Men like him get turned on by silly little girls, so I just laugh at everything he says. I pretend to be impressed when he tells me that he kicked the shit out of some insubordinate punk less than a week ago. He rants about the dumbest crap: "Kids these days have no respect for authority, or even for their parents." A minute with him feels like a year, so I end up getting blind drunk. By the time he asks me to go back home with him, I don't even know my name anymore.We hop into a cab and he starts caressing my leg like it's a puppy. At his house, I drag him into what I assume is his bedroom. It turns out to be the bathroom. Fine—works for me. I lift up my skirt and he slides his smelly hands in between my legs. For some odd reason, I've never been this wet. He fingers me really hard, and I reach for his cock. He doesn't even have a hard on? Great! I pull down his pants, and whoops—he does have a boner, it just consists of the smallest penis I have ever seen. I could jerk him off with my pinky, which I end up doing. He suddenly flips me around and starts mounting me. (At least I think he does, but I'm not really sure since I can't feel him inside me. It's like getting fucked by air.)He's moaning and saying, "I'm about to cum" every two seconds. Finally, he pulls out and the most ridiculous drop fizzles out while he yells really loud. It looks like a Q-Tip taking a piss.This cop gets a 4 out of 10 because he at least got me inexplicably wet.COP FUCK NUMBER TWOA couple days after my trip to Snoresville, it's time for me to get back on duty. And boy, do I—Agent Jones is quite the catch. Tall, with dark brown hair and an ass that would make a whore skip an entire night of work just for a glance. He's also surprisingly nice, knows what punk rock is, and just turned 27 years young.It takes four dates before he lets me come over. I had to sit throughThe Hills Have Eyes, a Mexican dinner that gave us both food poisoning, and a walk at the mall (What's up, 1987!). I actually start to fall for him when he takes me to his Batmobile one night and we access my file through his police computer. He laughs when he discovers I got in several fights and got arrested for possession of narcotics when I was 19. Hanging out with him is so much fun.I think that maybe if you can snag a cop when he's young and fresh out of the academy, you'll be OK. It's the years on the job that turn these guys into lousy lays. Just a theory.On our fifth date, we watch a movie at his house and start making out. I try the aggressive, "We've been wanting each other for so long now—let's fuck" approach, but he won't budge. We talk for another hour or so, but I finally get too impatient, so I just unzip him and go to work giving him a blowjob. He just sits there and plays with my hair. He's huge and I gag on every bite, but he seems to enjoy it. He moves between my legs and rips my panties free. Hurray! It's on.We run to his bedroom and have the cutest lovey-dovey sex. He comes all over my back and we kiss goodnight. I sleep over because his condo smells like warm bread. Breaking my own self-prescribed "no sleepovers" law with a cop seems kind of ironic. I sneak out in the morning and think to myself that it's too bad I'll never see him again.This guy gets an 8 out of 10. One point off for taking so long to get down to it, and another point off for kind of fucking like a wimp.COP FUCK NUMBER THREEThe next week, a friend calls me up and invites me to her DJ night at this gay bar near my house. I decide to go. Lesbians are really fun.I get introduced to a million girls and they're all pretty cute, but I'm not in the mood for muff diving, so I just get sauced on vodka-cran and chat with my friend. She points at a girl on the dance floor and mentions that she's a cop. Immediately, there's a fucking halo of white light shining around her. I run to the dance floor and shake my ass against hers. Right away, we start making out. It's fucking unreal—she's so cute! She's tall and a bit chubby, probably 30 to 32, and her tits are huge. I ask her to come home with me, and she refuses! I keep asking and drinking and asking. No dice.I am about ready to drop some GHB in her drink when she finally agrees and we walk back to my house. We then proceed to have the BEST SEX EVER. There's lots of sex toys and porn watching. Her fingers taste like Aunt Jemima's syrup; I suck on them like they're the last things I'll ever have in my mouth. She eats me out like I paid her to do it.After I tie her up with yellow rope then lay on top of her and dildo-rape her while she pinches my tits and fingers me, we drift off to slumberland. This woman was a revelation. When we finished, there was so much saliva, pussy juice, and poop stains on my bed that we could have baked a cake with the residue. We both felt concussed. I kissed her goodbye and it tasted like candy. I want to see her again.This lady cop gets a solid, unequivocal 10 out of 10. I think she might have made me into a dyke.MARIE-ELAINE GUAY

subset: commoncrawl


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Chacha Eke Hints At Reuniting With Ex-husband, Austin Faani Months After Announcing Split | New Details
Nollywood actress, Chacha Eke, has hinted at reuniting with her ex-husband, Austin Faani, months after she announced the dissolution of her marriage on social media.
In June, 2022, the talented actress had left many heartbroken as she announced her split from husband for the second time in two years (Read here).
The screen diva's struggle with bipolar disorder and alleged domestic violence was believed to have marred the dissolution of her 9 years marriage.
In a sad Instagram post, the mother of four noted that it is either she leaves her marriage alive or as a corpse. She further disclosed how she had been pretending that all was well while wishing, hoping and praying for a better tomorrow that never came.
However, that wasn't the first time the actress had publicly declared the end of her marriage. She posted a video in October 2020 announcing the dissolution of her marriage on grounds of domestic abuse.
She came out days later to state that she didn't mean it and was suffering from bipolar disorder due to her pregnancy.
In a recent development, the movie star has yet again declared her intention of reuniting with the father of her children.
Chacha made this disclosure during an Instagram live session where she answered a series of questions from her fans and followers.
At the beginning of the live session, she tried to shy away from questions about her marriage, stating that it would be a story for another day.
However, she later made a reunion tease after a follower questioned why she still included her husband's name, Faani, on her Instagram profile.
Replying, 34-year-old mom said that the name is still on her IG page because it needs to be there. She claimed that social media users wouldn't understand her marital saga. She said:
"Because I'm supposed to, you won't understand. Hopefully you will eventually, one day."
Another fan asked;
"You still have the name because you're gonna get back together soon, will you ever go back by any chance?"
Responding, the Ebonyi born actress said she would return to her marriage when the moment is right, and is just waiting for the perfect time to present itself. In her words:
"Yes, when the chance presents itself. There's more to me that you guys will ever know."
Speaking further, she maintained that her health condition has created problems for her. She asserts that occasionally she has symptoms and, rather than taking her prescriptions and relaxing, she finds herself venting on social media, which occasionally results in irreparable damage.


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Paste Tables in Sell Email Editor
it is really important, in order to use correctly the CRM basic email editor, to be able to copy and paste table from our excel files to the Editor.
Currently the Email Editor in sell does not support this.
I hope you understand it is an issue that forces us to deal with some emails in Sell and other via outlook, disoptimizing the whole process.
Thank you for your consideration.
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text: Hi Kosta, I don't think there is a corresponding term for this '_' matter in our coding guideline. The absence of rule sometimes implies that it was not ruled because it should not be ruled. Sometimes we can infer rules from existing sources. If we haven't prefixed '_' for fields, then that's not kind of rule in our long coding history. It is still possible to create further rules in the future, but for now there is another rule that should be applied here: "If you are modifying someone else's code, try to keep the coding style similar." (excerpt from http://www.mono-project.com/Coding_Guidelines ) I don't think "having '_' everywhere" rule is enforceable. Some people want to maintain field names equivalent to that of MS.NET to enable runtime serialization interoperability. Atsushi Eno Konstantin Triger wrote: > Hello Uma, > > You are absolutely right: having the same code base is very important. > We think exactly like you do and all this effort is made in order to > have the same code base. ProviderBase is the last namespace which we > merge. Very soon after that we will add our "private" connected mode > implementation into ".jvm" folders and completely switch our development > to SVN. > > The code styling is a very important issue. Good style just prevents > bugs and makes development faster and easier. Any notes about bad code > styling in our patches are welcome and will be fixed immediately. > > Regarding the "_" prefix, well, I think omitting it IS a very bad style. > Just because we already solved bugs (not in System.Data) related to > misuse of private fields. The fact it's not in use everywhere in mono is > bad in itself. We strive for better in System.Data, like Suresh said me > :-). > > In addition, on this occasion I would like to talk about reformatting of > the code. There are many places where the files are DOS styled, spaces > used instead of tabs etc. It just makes the maintainance more difficult, > IDEs driving crazy, diffs and patches not working... I think that if we > can make one special effort for fixing that, without changing the logic, > we all will benefit in the long term. > > Regards, > Konstantin Triger


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Service for Exchange Students ("Incomings")
Welcome to Academic Office Economics! Here, you will find comprehensive information about studying Economics at Universität Hamburg.
Brief information for Bachelor students (PDF)
Brief information for Master students (PDF)
Presentation Study Orientation WiSe 23/24 (PDF, accessible for disabled individuals)
Please see the course catalog for incoming students.
Please note: Bachelor's students may not attend courses for master's students and vice-versa.
Course registration
In order to register for courses, please complete the online form. For all incoming students in the bachelor's and master's programs in economics, course registration takes place during the late registration period. If you have any questions please contact the responsible departmental coordinator during office hours.
Please note: There is no late registration, nor may students withdraw from the program after the changes and corrections period. When you register for a course, you automatically register for the first exam.
You may attend courses offered by other faculties. You are responsible for registering for these courses on your own and will need to speak to the responsible academic office about attendance.
Courses usually conclude with a final written exam. A written exam requires the student to complete a predefined task under supervision, independently, and using permissible materials only. A written exam can last between 45 and 180 minutes. Written exams may also be given in the form of a multiple-choice test.
Other possible types of exams offered may include oral examinations, term papers, presentations, or take-home exams (THE).
Examination periods
Exams for bachelor's and master's students will take place during the regular examination periods.
For each course, there are two alternative examination dates: one at the end of the semester and one prior to the beginning of the next semester. Incoming students are automatically registered for the first examination date. Please inform the departmental coordinator if you would prefer to register for the second examination date.
Announcing exam results
Please visit the overview of dates (see späteste Notenbekanntgabe) to find out when exam results are announced at the latest.
Transcript of Records (ToR)
Trancripts of Records are issued only after all results of your course exams are made available in STiNE. Please fill in the online form. If you attended courses in other Faculties and your courses are not listed in STiNE, you need to hand in certificates at the Academic Office Economics.
Please note: Remember that it is not possible to issue a ToR until all grades have been published in STiNE. This may cause a delay in providing the documents.


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Four years ago, I observed that the all white kitchens trend was over. Now, there are variations. Today, the white kitchen — often amusingly referred to as "the one true kitchen" — has been copied to death. Apart from light fixtures or other details, it's often difficult to tell white kitchens from one another. In concept, they are very lovely but the look has become … [Read more...]
Dream to Reality Kitchen Floor
When you find a kitchen floor you love, recreating it in your home can be a saga. Back in March I received an email from Sandi and Charlie, a couple in Omaha who had fallen in love with the kitchen floor in our Bistro Tile Floor Kitchen [top]. They were planning to remodel the kitchen in their 1948 house and asked: "Do you happen to have any close up pictures, or any … [Read more...]


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Dear Otsego PreK Families,
Our agency has received notification that the student in the morning Otsego PreK class who we previously contacted you about did in fact test positive for COVID-19 although presently not showing any symptoms.
As stated in our last communication, people in quarantine should stay home, separate themselves from others, monitor their health, and follow directions from their state or local health department.
We are reporting the case to the health department for further investigation. The health department might contact you regarding the quarantine.
The 14 day quarantine period for your child is 12/17/2020 – 12/29/2020 since the last day the COVID-19 positive student attended class was on Tuesday, December 15, 2020.
Ms. Tesoriero will be contacting families via email regarding home instruction.


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The real estate market has always had its performance hinged on the turbulent market conditions, yet Singaporeans have rounds of cooling measures to rely on for a sense of regulation. Love it or hate it, in the recent release of our latest round of cooling measures Singaporeans were yet again presented with higher ABSD rates and tighter loan limits.
Introduction to cooling measures
Since its debut in 2009, multiple cooling measures such as the Seller's Stamp Duty (SSD), Additional Buyer's Stamp Duty (ABSD), Loan-to-Value (LTV), Total-Debt-Servicing-Ratio (TDSR), Mortgage-Servicing-Ratio (MSR), and Additional Conveyance Duties (ACD) have surfaced in the real estate market.
Cooling measures, continually and gradually introduced by the Singapore government, serve to regulate our real estate market. These measures have implications on homeowners and investors alike, and affect all Singaporeans, PRs and foreign buyers – though to varying extents. Whether the terms mentioned above lend themselves familiar to you, or fly over your head like a foreign language, as long as you are engaged in buying or selling a home in Singapore, these cooling measures will apply to you.
These measures encourage fiscal prudence and align Singaporean's buying and selling behaviour to our economic fundamentals. In this article, we give a comprehensive breakdown on the history of Singapore's cooling measures, and explain what it is they actually do and how these measures impact you.
Why are cooling measures important
Cooling measures are important because they respond and react to the housing market in Singapore, and encourage financial prudency in home purchase investments. They have significant implications on spending behaviour, and can influence market performance.
Cooling measures also have a salient impact on consumer behaviour as they deter against certain practises such as buying without sufficient cash, or short-term speculation of the housing market.
A comprehensive look at the 10 rounds of cooling measures
Sep 2009: Removal of Interest Absorption Scheme (IAS) and Interest-Only Housing Loans (IOL) for all private residential properties
Before the implementation of this cooling measure, the IAS and IOL allowed for buyers to purchase undeveloped properties with only a 10-20% down-payment until the project is completed. Since buyers are able to buy and sell these properties without heavy impact on their finances, these schemes encouraged property speculation in a buoyant market.
As a result of these initial measures, buyers were no longer able to easily buy and sell undeveloped property without first having significant capital on hand. This led to lower enthusiasm for private residential transactions, dampening the real estate market.
Feb 2010: Introduction of Seller Stamp Duty (SSD) and lowering of Loan-To-Value Ratio (LTV)
In response to the market heating up even after the 2009 cooling measures, the government introduced measures to tighten the credit supply to the housing market and promote financial prudence amongst buyers. This was a preemptive move to temper buyer sentiments before a financial bubble could form due to low interest rates and a positive outlook for economic recovery.
SSD of up to 3% of the sales price was introduced for all properties sold within the 1st year of purchase. The aim of SSD was to discourage short-term speculation that could distort underlying prices. Thus, long-term owners, or owner-occupiers are unaffected by it. On the other hand, investors who were looking to quickly flip properties for a profit had to reconsider the impact of the additional SSD eating into their profits.
LTV for all housing loans was lowered from 90% to 80%. The decision to lower LTV was done to send a clear signal to financial institutions to maintain their prudent lending standards to ensure a sustainable property market. As a result, buyers are now less able to borrow and hence take on less credit risk. Buyers who were initially looking to loan most of the value of the property now had to pay more out of pocket, effectively discouraging purchases of homes on credit.
Aug 2010: SSD expanded to include properties sold within the 3 years of purchase; LTV for second-housing loans onwards lowered from 80% to 70%
Due to a large 11% increase in private residential markets for the first half of 2010, the government viewed the market as very buoyant. Hence, there was a need to align the real estate market with the more moderate growth of the economy to ensure that an economic correction would not crash the real estate market. As before, the measures introduced were in line with improving financial prudency of both buyers and lenders such that credit risk was minimised.
SSD was expanded to include properties sold within the 3 years of purchase. However, the SSD gets progressively smaller the longer the property is held before selling.
With this progressive system, sellers are now even more motivated to hold for longer periods before selling as SSD can take away a significant share of profits from the sale of their property. As buyers and sellers hold property over a longer period, less transactions occur and real estate market prices face resistance against rising.
LTV for first-time borrowers remained at 80% while LTV for second-housing loans onwards was lowered from 80% to 70%.
Consequently, minimum cash down payment for second-time loans was increased from 5% to 10%.
This specific set of measures mean that buyers who are looking for asset progression after their first property now have to be more prudent in financing their subsequent propert(ies). Clearly, there is a trend towards limiting buying potential beyond an owner's first property to promote equality in the market for first-timers. However, this comes at the cost of buyers who may have to consider other methods to finance their next home, or even look towards lower priced homes due to having less borrowing power.
Jan 2011: SSD holding period extended to 4 years from initial 3 years with increased rates; LTV for second-time loans onwards reduced from 70% to 60%
This time, coupled with an extension of SSD periods, the government also drastically readjusted the SSD rates to a whopping 16% (within the first year). This meant that selling a property within the first 2 years of buying it would incur a hefty penalty, even with the frothy market at the time, where prices had risen more than 10% in the year!
LTV for second-time loans onwards was again reduced from 70% to 60%, and LTV for all non-individual property buyers (for e.g. corporations, trusts and collective investments) was lowered to 50%.
Dec 2011: Additional Buyer's Stamp Duty (ABSD) was introduced for Singapore Citizens and Permanent Residents
3% ABSD was applied to all:
SCs buying their 3rd or more property
PRs buying their 2nd or more property
10% ABSD was also applied to foreigners buying any property in Singapore.
If a purchase is made by multiple people, the highest (more severe) applicable rate is charged.
The ABSD measure is a flat rate that supplements the existing Buyer's Stamp Duty which are already applied progressively on sales price (BSD – 1% on first $180,000, 2% on the next $180,000 and 3% for the remainder).
Oct 2012: Maximum duration of residential housing loans was capped at 35 years
Longer term loans were now disadvantaged with lower LTV across both first and second-time (or more) buyers.
Specifically LTV drops by 20% points if the loan duration:
is longer than 30 years, or
extends past 65 years of age of the buyer
The introduction of long-term loan differentiation was another major point as it changed how buyers financed their loans. In general, buyers would want to maximise their loan duration as it lowers the monthly repayments that eats into income which would otherwise be used for savings or other spending. Long-term loans allow buyers the flexibility to refinance their mortgage – for example to purchase other properties or to pay off their loans faster. By putting a cap on the maximum tenure and tying this to the age of the buyer(s), buyers are effectively limited to completing their property investing plans before 65 years of age.
Jan 2013: ABSD modified to incur heavier taxes; LTV rates tightened; minimum cash down payment for second-time loans and beyond again increased; HDB-specific measures that were introduced
ABSD was once again modified to incur heavier taxes on PRs, Foreigners, and everyone else who purchased beyond their first home. ABSD was raised by 5-7% points across the board, additionally, ABSD was imposed on PRs purchasing their first residential property and on SCs purchasing their second residential property.
Jan 2013 new ABSD rates:
LTV rates were also tightened for those borrowing beyond their first housing loan.
For second-time loans, LTV was reduced from 60% to 50%.
For third-time loans and beyond, LTV was reduced from 60% to 40%.
Jan 2013 new LTV rates:
The 20% points disadvantage for long-term loans continue to be applied across all LTV rates.
Lastly, minimum cash down payment for second-time loans and beyond was increased from 10% to 25%.
In response to rising competition for HDB flats, there were also HDB-specific measures that were introduced to reduce short-term, credit-heavy transactions by SCs and PRs.
Buyers looking to loan for HDB flats:
MSR provided by financial institutions capped at 30% of gross monthly income
MSR provided by HDB capped at 35% instead of 45% previously
Will no longer be able to sublet the entire HDB flat.
Must sell their HDB within 6 months of buying a private home in Singapore.
June 2013: TDSR of 60% was introduced for all property loans that are granted by financial institutions
All financial institutions in Singapore will have to verify that the total debt (including non-housing loans) of a borrower is less than 60% of their total income before their loan can be approved. Due to the differing nature of loans and interest rates, MAS has a standardised method for calculating the TDSR.
The introduction of TDSR criteria for loan eligibility was another major milestone in the series of cooling measures. Since TDSR is calculated based on existing loan repayments, other measures such as LTV and loan tenure which affect the loan value now come into play. Any changes to these factors can drastically affect eligibility for a buyer to get a loan.
For example, a 45 year old buyer whose loan tenure is short (20 years instead of 35 years) because he wants to qualify for the higher LTV ratio (50% instead of 30%) will have to take on a greater monthly mortgage payment than if he had chosen a longer tenure. A higher mortgage payment causes TDSR to increase and potentially exceed 60%, causing them to not qualify for the loan. Thus, to satisfy the new TDSR requirement, the buyer is forced to extend his loan tenure (beyond 65 years) to get a lower monthly mortgage, but they now face the issue of a lower LTV (30%) and have to make up for the additional 20% of value without borrowing. With so many limitations due to interacting measures, it becomes harder for buyers of multiple properties to finance their loans.
Dec 2013: Measures were introduced to tighten the purchase of Executive Condominiums (ECs)
MSR capped at 30% of the borrower's monthly income now applies to EC purchases. Second-time applicants looking to purchase directly from EC developers will have to pay a resale levy (similar to BTO)
EC application cancellation fees reduced from 20% to 5%.
Mar 2017: SSD holding period reduced; the rate for all tiers reduced
In response to a slower property market, the government reversed some measures.
SSD holding period was reduced to 3 years from 4 years previously. The rate for all tiers was reduced by a flat 4% points.
TDSR requirement was also removed for mortgage equity withdrawal loans where the LTV is less than 50%. This enabled more people to borrow against the value of their properties to obtain additional cash for retirement needs.
Jul 2018: LTV was reduced by 5% points across all categories for all housing loans
This last round of cooling measures targeted ABSD and LTV rates to regulate fast rising property prices.
LTV was reduced by 5% points across all categories for all housing loans granted by financial institutions.
Other than SCs or PRs purchasing their first property, ABSD was increased for all other individuals and entities.
Raise ABSD by 5%-points for all other individuals
Raise ABSD by 10%-points for entities
Dec 2021: Higher ABSD rates, tighter loan limits
First, the TDSR has been reduced from 60% to 55%, which means for every $10,000, Financial Institutions will assess $500 less towards the mortgage loan.
The difference of every $500 less is equivalent to roughly about $100K less in loan eligibility. This is based on TDSR Stress Interest of 3.5%, Loan Tenure 30 years for private properties.
Second, Singapore also saw a revision of HDB Loan LTV from 90% to 85%.
This results in the current LTV rates shown in the table below:
Most significantly, the ABSD on purchases of residential properties were also raised, quite significantly. This increase of 12 per cent to 17 per cent for citizens buying their second residential property, and 15 per cent to 25 per cent for those buying their third and subsequent properties, will likely deter many from buying additional residential properties.
The ABSD rate has also risen from 15 per cent to 25 per cent, for permanent residents buying their second residential property and from 15 per cent to 30 per cent if they are buying their third and subsequent properties.
This increase is also mirrored for foreigners and entities, including housing developers, to 30 per cent and 35 per cent respectively.
The following table shows the current rates for residential purchases:
Overall, we see that out of the 10 times the government introduced measures for the real estate market, 9 of them were aimed at tampering down the market while there was only 1 instance where the cooling measures were relaxed. These measures have also become more drastic as the years have gone by and it does not appear to be relaxing anytime soon. Amidst low interest rates, high demand for housing, and sky-high property prices, it was no surprise that new cooling measures were introduced so soon.
Nevertheless, it is important to recognise that cooling measures merely slow down the growth of real estate rather than reversing it, evident from ever rising property prices in Singapore, especially in a low interest environment.
So there you have it! A summary of the cooling measures thus far! If you are unsure of how these measures affect you, or simply want an expert opinion in your real estate affairs, feel free to reach out to us!


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At Thriftyscooters.com we value your complete satisfaction. If within 7 days of receiving your vehicle you decide you do not want your vehicle, just give our Customer Service Department a call and we will refund you your money.
The following is our Return Policy Agreement:
Obtain a Return Merchandise Authorization Number (RMA) from our Customer Service Department. Any vehicles returned without an RMA number will not be accepted. A copy of your original invoice must be included in a return shipment. Customers are responsible for returning the merchandise at their own expense. Freight collect and COD packages will not be accepted.
Vehicle must be returned in it's original packaging within 7 days in new and re-sellable condition.
This return policy does not apply to vehicles that have had alterations, abuse, negligence, accidents or have not received proper maintenance.
All packaging materials, instruction manuals and parts must be returned. Any missing parts or damages will be deducted from your refund amount. We do not accept any return vehicle that have any sustained damages.
In order to keep you completely satisfied and maintain rock bottom prices, our shipping expenses are not refundable nor reimbursed for any reason. This includes all freight charges: the first shipment and return. Original freight expense will be deducted from your refund.
Due to health and personal hygiene concerns, all clothing and helmets are non refundable.
Your Order may be cancelled only if we are unable to fulfill and ship your order within 5 business days. You may also cancel your order if your item has not been shipped. However you will be charged a 20% cancellation fee.
A 35% RESTOCKING FEE IS CHARGED If you return your vehicle


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Ep.198 – Secret Hearts No. 83 (1962)
Drowning in Love with Darkseid's Couch!
Feb 14, 2022
This time on the Couch: Mike, James, and Shée get jilted by Secret Hearts no. 83! This Valentine's Day, continue your futile attempts to navigate the impossible world of romantic relationships with an assortment of regressive comic book tales! Women being defined entirely by the men who do or don't love them? Dudes gaslighting their dates with zero consequences? Creepy advice about making out in front of your girlfriend's parents? Yup, sounds like romance through the eyes of middle-aged comic book writers in the 1960s! If carpal tunnel was sex appeal those guys would be Leonardo DiCaprio! But it's not, and they're not, and neither are you. Happy Valentine's Day!


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January proved a rocky month for many Americans, due to a partial government shutdown that left roughly 800,000 federal workers furloughed or working without pay.
According to the Congressional Budget Office, the 35-day shutdown cost the economy $11 billion, with an estimated $3 billion permanently lost. But despite this uncertain start to a new year, the latest jobs report from the Bureau of Labor Statistics shows hiring growth remained solid throughout the month.
In January, 304,000 jobs were added to the economy, marking a historic milestone of 100 straight months of job gains. Unemployment rose from 3.9 percent to 4 percent because a small percentage of furloughed employees who could not work were counted as unemployed, says the report. Wages also increased by 3.2 percent from a year ago, showing that employers are willing to not only hire more, but also pay more in today's tight labor market.
CNBC Make It spoke with Bankrate.com senior economic analyst Mark Hamrick, Indeed research director Martha Gimbel and Glassdoor chief economist Andrew Chamberlain about the temporary impact of the shutdown and why today's market still favors job-seekers.
Impact of the shutdown
While the longest government shutdown in history certainly put a damper on the activity of many employees and businesses, Hamrick says he likens its impact to that of a hurricane "where economic activity is either delayed or destroyed," but eventually, "things get restored."
"These things tend to be temporary," he tells CNBC Make It, "although the impact on individuals who missed paychecks and didn't have savings can be significant."
According to the BLS, federal employees working without pay were still considered employed, which is why Gimbel says she's not surprised that the jobs report remained positive. However, Gimbel says data from Indeed demonstrates an uptick in federal workers looking for new opportunities, including part-time work, to make ends meet.
"Federal workers tend to love their jobs and have low quit rates," she says. "But there are now more people wondering if the federal government is for them, and now they are going out in a tight labor market looking for jobs."
Gimbel adds that "this can be bad news for federal agencies who are looking to replace them in a tight market and says that while January's jobs report does provide a little bit of comfort, it "should not distract from a very real hurt that many workers suffered during the shutdown."
"It may take a while to really see what effects from the shutdown occurred, and we will need a couple more months of data," she says.
Take advantage of seasonal hiring
In an interview with CNBC Make It last month, Hamrick and Chamberlain advised job-seekers to take advantage of the year's first quarter hiring spree, since now is the time when hiring managers have fresh budgets.
Hamrick says January's numbers are a reflection of this hiring spree, especially with many companies adding seasonal positions. "Even during the course of an economic shutdown, there is always going to be seasonal hiring," he says. "On the seasonal front, we heard that Lowe's will be hiring thousands of seasonal workers as well as permanent jobs and managers."
When looking at the overall numbers from the jobs report, it's clear that many industries are in the midst of strong hiring growth, with the leisure and hospitality industry adding 74,000 jobs last month, the construction industry adding 52,000 and the healthcare industry adding 45,000.
"For most, it is a great time to look for work, particularly for those who have in-demand skills and work in locations where the regional economies are robust," says Hamrick.
According to Glassdoor's latest Local Pay Reports, San Francisco, Los Angeles, New York City and Philadelphia demonstrated the strongest wage growth for the month.
10 years ago this month
Despite today's concerns around the government shutdown, data shows that Americans were still far more worried about the state of employment and the economy 10 years ago.
In January 2009, employers cut 598,000 jobs, putting unemployment at 7.6 percent. According to CNNMoney, the report was the worst jobs report since December 1974.
"Hiring is falling off dramatically and layoffs are accelerating," Sung Won Sohn, economics professor at Cal State University-Channel Islands told CNNMoney at the time. "The layoffs have become an almost popular thing to do for corporations. Many businesses are scared. They want to take precautionary steps."
Unlike the most recent report, which showed strong job gains in industries like hospitality and construction, the report from January 2009 showed that construction shed 111,000 jobs while hospitality lost 28,000.
"Despite the uncertainty heading into today about how the recent federal government shutdown may impact the economy," said Chamberlain in a statement, "today's jobs report shows the nation's labor market overall remained healthy in January, and employers are likely to continue today's steady pace of hiring throughout the first half of 2019."
Like this story? Subscribe to CNBC Make It on YouTube!
Don't miss: December jobs report: Growth is still strong, but job seekers should prepare now for a possible slowdown


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Traveling to Menorca: requirements to go to the island
Index - Table of Contents
ToggleRequirements to go to the island
The requirements to travel to Minorca are not many and it is worth having everything in order to spend a few days without inconveniences. Take note of what you need!
To make a trip to any place in the world or in Spain, you will always have to carry some essential documents with you. This is a very common procedure, but if you prepare it with enough time, it will not become a nightmare.
The reality is that to travel to Menorca it is essential to take into account some key points, especially when you come from abroad. They range from the requirements for COVID to what you should have in your hands in case the whole family goes.
It is also important to consider if you come from abroad or if your visit is from other parts of Spain. In any case, we tell you about everything that is most essential so that you can live a great adventure.
Discover how to travel to Menorca: 2022 requirements. Take note of each one!
Currently, it is possible to travel to Menorca for tourism and not only that, but it is also one of the most beautiful destinations.
The best? It is that you will not need many documents to be able to visit the island, regardless of whether you come from Spain, from a country of the European Union or from another in the world. The reality is that you can easily access it with your whole family.
The reality is that you will only need your identification, transport tickets (plane or sea) and your accommodation reservation. Foreigners must bring their passports and other documents related to COVID-19 with them.
In any case, it is very easy to visit this place and enjoy all the wonders it has to offer.
Remember that you can travel from the European Union, from a country in the Schengen area or from a third party with which Spain has reciprocity agreements. The latter are made up of Australia, South Korea, New Zealand, Rwanda, China, Singapore and Thailand.
Traveling to Menorca: COVID requirements
The first thing you should know is that you cannot travel to Spain, or specifically to Menorca, if you have symptoms related to COVID-19 or if you suspect you have the disease.
If you come from abroad, it is necessary to comply with the health control form (FCS) and sign it electronically long before entering Spain. It will provide you with a QR code that you will have to present when you arrive in the country. Each of the people who travels must have their own document
Those who come from countries or areas at risk must ensure that they have a diagnostic test for SARS-COV-2 with a negative result, which has been carried out in the 72 hours prior to their arrival. arrival in the country. This document must be written in Spanish, English, French or German.
The above are essential documents for those who wish to enter Spain by air or sea. With the exception of children under 6 years of age.
On the other hand, those people who arrive in Menorca from Spanish territory or travel between islands,they do not need any sanitary control to enter through the airport or the port.
In Menorca, restaurants and bars are now open without restrictionsor curfew. So it is an ideal destination to take walks through everything it has to offer, without any worries.
At 3 Villas we tell you everything you need to know about the requirements to travel to Menorca because we want you to stay with us. It is a charming island that does not require many documents and that will leave you amazed by the beauty of its corners and different activities.
Travelling to Menorca is a straightforward process. The key requirements include identification, transport tickets, and accommodation reservation, with additional COVID-19 related documentation needed for those coming from outside of Spain.
If you are from abroad, you must complete the health control form (FCS), present a negative SARS-COV-2 test result taken within 72 hours prior to arrival, and hold a valid passport.
However, there are no sanitary controls required for those travelling within Spanish territory or between islands. Currently, Menorca is fully open with no restrictions on restaurants or bars, making it a great destination for a holiday.
If you are looking for villas for rent in Menorca, consider 3 Villas to ensure a comfortable stay during your visit to this beautiful island.


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WICKED is the first Broadway tour to resume performances in the U.S. following the pandemic shutdown.
Last week, the international sensation WICKED became the first Broadway tour to resume performances in the U.S. following the pandemic shutdown. The musical celebrated its relaunch at the Music Hall at Fair Park in Dallas on August 3 to a very excited audience.
Hear the crowd rejoicify over the return of everyone's favorite Ozians here:
Talia Suskauer returns to the role of Elphaba after appearing in original Broadway and Off-Broadway companies of Be More Chill. Regionally, she appeared in Shrek as Fiona, and Little Women as Jo at the New London Barn Playhouse. Originally from Florida, Talia attended Penn State University where she received her BFA in musical theatre.
Allison Bailey is back in Oz as Glinda after previously being the understudy for the role in the National Tour of Wicked. Regional credits include Les Misérables, The Music Man, Singin' in the Rain at New London Barn Playhouse, and A Proper Place at Goodspeed Opera House. A proud Pensacola, Florida native, Allison received her BFA in musical theatre from The Boston Conservatory.
Sharon Sachs returns to the role of Madame Morrible. Her theatre credits include Numbers Nerds at Playwrights Horizons, Les Misérables at Drury Lane Theatre, The Full Monty at Rocky Mountain Repertory Theatre, Annie and A Gentleman's Guide to Love and Murder, to name a few.
Cleavant Derricks is thrilled to return as The Wizard. He garnered a Tony Award and Drama Desk Award for Best Featured Actor in a Musical for originating the role of James Thunder Early in Dreamgirls. His other credits include Bob Fosse's Big Deal, for which he received a Tony Award and Drama Desk Award nomination; the Broadway revival of Hair; Brooklyn The Musical; and The Full Monty, to name a few. Cleavant has appeared in film such as Moscow on the Hudson, The Slugger's Wife, Offbeat, Carnival of Souls and Bluffing It. He was a TV series regular on "Sliders," "Thea," "Drexell Class," "Good Sports" and "Woops!"
Rounding out the cast are Clifton Davis as Doctor Dillamond, Amanda Fallon Smith as Nessarose, Curt Hansen as Fiyero, and DJ Plunkett as Boq, with Natalia Vivino, Travante S. Baker, Anthony Lee Bryant, Nick Burrage, Jordan Casanova, Matt Densky, Marie Eife, Ryan Patrick Farrell, Sara Gonzales, Alison Jantzie, Kelly Lafarga, Marina Lazzaretto, Jordan Litz, Megan Loomis, Micaela Martinez, Alida Michal, Hayden Milanes, Dashi Mitchell, Jennafer Newberry, Alicia Newcom, David Scott Purdy, Jackie Raye, Rebecca Gans Reavis, Andy Richardson, Anthony Sagaria, Jenna Nicole Schoen, Wayne Schroder, Ben Susak and Justin Wirick.
Single tickets for Wicked in Dallas are available at DallasSummerMusicals.org or by phone at 800-982-2787. Orders for groups of ten (10) or more may be placed by calling (214) 426-4768 or emailing email@example.com.
For more information on additional North American tour engagements, please visit wickedthemusical.com/tickets/#tour.


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Freelancer's Hub is a unique social experiment where specialists from all over the digital landscape came together to create a digital agency that delivers high-end solutions in a cost-effective way.
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Design no 10139
This cold weather knit with bold stripe details is both striking and stylish. The chunky roll neck will keep you warm and cosy, while the elongated chevron stitch detail down the centre of the sleeves gives an interesting twist to a classic winter staple. Pair it with your favourite jeans for a classic off-duty look.
Knitting level: Intermediate
You will also need: 1 Pair of 5mm (UK6 – US8) Knitting Needles.
Size 32″ – 54″
2 – 4 Balls
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Origami paper cranes to mark Hiroshima Day
New Delhi: Armed with origami paper cranes, a bunch of slum children from the city are telling the story of Sadako Sasaki, a 12-year-old girl who lost her life to radiation caused by the Nagasaki-Hiroshima bombing.
A range of paintings made by the children on the terror unleashed by the 1945 atomic bombings will be displayed at the Japan Foundation on August 9 to mark the 71st anniversary of the attack on Japanese soil.
"Sadako Sasaki, a Japanese girl was diagnosed with leukemia following exposure to radiation caused by the nuclear bombings at Hiroshima. It was her wish to fold 1,000 paper cranes to avert her death. But she could only make 614 cranes and passed away at the age of 12.
"Sadako has since become a symbol of peace. We have trained hundreds of MCD school students in Najafgarh along with the NGO Apne Aap Women Worldwide in making origami (Japanese paper folding technique) paper cranes. The 1,000 cranes made by them will be put on display at the Japan Foundation in the run-up to the anniversary," says Aseem Asha Usman, founder of Aseem Asha Foundation.
Aseem Asha, who has been working with the underprivileged children of Jamia Nagar area since the past eight years, says the initiative was aimed at drawing the world's attention to nuclear warfare and its perilous effects.
"Students are the future assets of the nation. It is crucial for them to know about the world affairs from a young age. The Hiroshima-Nagasaki bombing is not just the story of Japan's destruction. It also showcases the resolve of a country that started from scratch and is one of the most developed nations of the world today," he says. .


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5 keys for USC in NCAA Tournament vs Michigan State
The USC Trojans face the Michigan State Spartans on Friday morning in a tough matchup. Spartans Wire has done plenty of digging and examining from the Michigan State side, and the future Big Ten showdown has the Spartans as the favorites in this game.
On the other hand, the Trojans did get some good news regarding Drew Peterson's health, although the status of Vincent Iwuchukwu could be a concern for USC.
With USC back in the NCAA Tournament, here are five keys for the Trojans to get the upset and beat the Spartans on Friday.
Mar 9, 2023; Las Vegas, NV, USA; Arizona State Sun Devils guard Desmond Cambridge Jr. (4) looks to pass the ball between USC Trojans forward Joshua Morgan (24) and USC Trojans forward Kobe Johnson (0) during the first half at T-Mobile Arena. Mandatory Credit: Stephen R. Sylvanie-USA TODAY Sports
The Trojans need to not dwell in the past. Yes, they lost earlier than expected to Arizona State in the Pac-12 Tournament; despite a 77-72 finish, the game was never really that close.
The Trojans need to go into this Michigan State game with the mindset of being 0-0.
Mar 2, 2023; Los Angeles, California, USA; USC Trojans guard Drew Peterson (13) is defended by Arizona Wildcats guard Pelle Larsson (3) in the first half at Galen Center. Mandatory Credit: Jayne Kamin-Oncea-USA TODAY Sports
Drew Peterson is very likely going to be the X-factor for USC in this game. Yes, Boogie Ellis is the gas that keeps the engine running on offense, but Peterson needs to play well.
Against Arizona State, he scored just 9 points on 2-12 shooting from the field, and that won't do the job against a tough Michigan State team.
Dec 7, 2022; Los Angeles, California, USA; Southern California Trojans guard Boogie Ellis (5) and guard Drew Peterson (13) celebrate against the Cal State Fullerton Titans in the first half at Galen Center. Mandatory Credit: Kirby Lee-USA TODAY Sports
Boogie Ellis has been playing out of his mind over the past few weeks, and this tournament is when star players do what they do best. Ellis has scored in double digits in 9 of the last 10 games. He has five games of 20 or more and two games of 30 or more in the last seven contests.
If USC wants any chance to move on to the Round of 32, Boogie Ellis will need to take control of this game offensively.
Mar 2, 2023; Los Angeles, California, USA; Arizona Wildcats guard Kerr Kriisa (25) beats USC Trojans forward Vincent Iwuchukwu (3) to a rebound in the first half at Galen Center. Mandatory Credit: Jayne Kamin-Oncea-USA TODAY Sports
The health and status of freshman Vincent Iwuchukwu might be the biggest key to this game. In his absence, the Trojans struggled defensively and on the boards against Arizona State, and they need him to be available.
The Spartans have center Mady Sissoko, and although his numbers don't jump off the page (5 PPG and 6.1 rebounds), he does a lot of dirty work down low and could give USC a tough time, especially if Iwuchukwu is out or limited.
Michigan State head coach Tom Izzo watches from the sidelines in the first half of the Final Four game against Texas Tech at U.S. Bank Stadium in Minneapolis, Minnesota on Saturday, April 6, 2019.
This is where Michigan State has a clear advantage. Frankly, the Spartans have this advantage against most of the teams in the field of 68. Tom Izzo is a legend who has been there, done that, and engineered some deep runs in his tenure.
Andy Enfield, on the other hand, did wonders with Florida Gulf Coast and even brought USC to the Elite Eight a few years ago, so he is no slouch. However, Enfield has a tough task coaching against one of the legends of the game. Can he fight to a draw? USC's players can then win in Columbus.


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Annie Murphy, the famous Schitt's Creek actress, confuses her fans with possible pregnancy news because of her recent weight gain appearance. However, the 36-year-old star has not made any remarks on the rumors. The Canadian actress has been married for nearly a decade to her husband Menno Versteeg but does not have any children at the moment, and only time will tell if they intend to have one in the near future.
Annie Frances Murphy is a Canadian actress who was born on December 19, 1986. She is best known for her roles as Alexis Rose in Schitt's Creek and Allison McRoberts in Kevin Can F*** Himself (AMC+). She also received critical acclaim and won a Primetime Emmy Award and a Screen Actors Guild Award for her performance in the series, as well as nominations for four Canadian Screen Awards, three Screen Actors Guild Awards, two Critics' Choice Television Awards, and one Golden Globe Award.
Annie Murphy made her television debut in the crime thriller Lethal Obsession. She went on to appear in a number of other Canadian films, including Story of Jen, Lick, and A Windigo Tale. And she has also appeared in a number of Canadian television shows, including Good God and Rookie Blue. At the time, she stated that she was a struggling actress who begged to go in for comedies at the time, but her resume was all drama.
Being a celebrity is not easy; it appears lavish on the outside, but the hard work and maintenance required of actors are difficult. A few fluctuations in the figure could spark a flurry of rumors. Annie Murphy has been the subject of much discussion in recent months due to her weight gain, which some people believe could be because of her pregnancy. Weight fluctuation is normal for anyone, but it does not appear to be permitted for female actors. So, what's the reason behind Annie Murphy's weight gain? Let's find out!
Would you also like to read the weight gain stories of Kellie Pickler and Sam Smith?
Annie Murphy's Weight Gain: While Many People Wonder if the Canadian Actress Is Pregnant, Annie Has Not Made Any Remarks on the Topic!
Many of Annie Murphy's (@annefrances) fans and followers are wondering if she is pregnant because of her recent weight gain. However, Annie has yet to make an announcement, and no sources indicate that she is pregnant. On the other hand, it is common for actors and actresses to fluctuate in weight in order to fit into a specific role. But when it comes to celebrities, even the smallest details are often noticed.
Many fans may have assumed Annie was ready to start a family at this point because she has been married for nearly a decade. However, there are no indications that Annie Murphy is expecting a child at this time. In contrast, she has never confirmed or denied any of the rumors. Meanwhile, Annie and her husband, Menno Versteeg, married in Amsterdam in August 2011. However, for the time being, the couple has decided to have a two-person family.
The couple may or may not intend to have children in the near future. However, this is a private and personal decision that should be made between the couple. Both of them are at the pinnacle of their careers. As a result, they may be in a better financial position before deciding to expand their family.
Meanwhile, she hasn't posted anything about her pregnancy. If the news was true, she may have shared it with her fans and followers. She posts on a daily basis about anything and everything. On the other hand, there's a high chance that her recent weight gain transformation is a requirement for her upcoming project.
According to the scale, Annie Murphy weighs around 60kg. Those measurements are within the acceptable range for her 5'7″ tall height. Despite her apparent weight gain, she appears to be in good shape. The only thing we should notice about her is that she is a stunning actress.
Meet Annie Murphy's Husband, Menno Versteeg!
Fans of Schitt's Creek can thank Annie Murphy and her husband Menno Versteeg (@mennovers) for her character's iconic song, A Little Bit Alexis. The couple, who have been married since 2011, co-wrote the amusing pop song and described the opportunity as a once-in-a-lifetime experience.
Versteeg, a Canadian musician and record label executive, is well-known in the music industry for spotting emerging indie acts. He runs his own music label and has helped many new artists launch their careers. Versteeg is also a strong advocate for more mental health resources for musicians.
The Canadian indie rock musician who was previously the lead vocalist and guitarist for the indie rock band Hollerado grew up on the same street as his three future Hollerado bandmates in Manotick, Ontario. The quartet grew up playing together and recorded their first demo in 2007. After the release of their fourth album, Retaliation Vacation, in 2019, the band announced their breakup. On Instagram, Versteeg and his bandmates addressed the end of this musical era. Then Versteeg shifted gears to concentrate on his role in the Canadian supergroup Anyway Gang, which also included Sam Roberts, a well-known Canadian musician.
Tune in to Weight & Skin to read more interesting stories about your favorite celebs.


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Security always has and will always be a concern in finance and financial infrastructure. To be able to conduct secure transactions is as essential in decentralized finance as it is in centralized finance.
In decentralized finance, security is a feature that cannot be overemphasized, especially when it concerns digital assets and smart contracts. This has prompted many developments and upgrades as it affects the security of assets and users.
Algorand has over time proven to be a force to reckon with when it comes to developing groundbreaking features on the crypto and blockchain networks.
Due to the efficiency and scalability of the network, Algorand has been regarded as the next generation of financial products through its pure Proof-of-Stake protocol. So, when Algorand unveiled its Rekeying strategy as a means of improving digital security, it was welcomed with many appraisals of the network.
Today, we shall be looking at the concept of Algorand's Rekeying and how it helps to bolster the security of digital assets.
Digital Keys
To fully understand and appreciate the whole concept of Algorand's Rekeying, there is a need first to understand what digital keys are and how they work.
To be able to make transactions with crypto assets, users must first have to possess a crypto wallet. This wallet serves as a recipient to assets sent to the user, and the user is also able to make transactions to other users from this wallet.
The cryptocurrency wallet comes with an automatically generated public address. A public key manages this available address; it is visible to every user on the platform and serves as a destination for receiving digital assets.
There is a second digital key called the private key. This key, also generated with the crypto wallet, is unique to the user, guaranteeing the security of the wallet. They are used for the authentication and encryption of the public address. The user gains full control of his assets via this key and may also use the key to recover a lost crypto wallet.
The combination of both keys serve to guarantee the security of the user's digital assets; however, there remains a problem associated with this method.
The Problem of Digital Keys
The private key of a user may be compromised when a malicious user gets access to it. When this happens, the affected user would need to change their private keys or an entirely new account with a different pubic address and the private key would have to open and all assets would have to be moved from the old account to the new one. This entire process can be very tedious, in addition to having undesirable implications.
Because the public address would be changed with the change of a public key, the user would have to provide the new public address to others for identification. For users who constantly change their private spending key because of their high-security awareness, they would have to keep sending their new public addresses to others for continuous identification and update on their transacting address.
The problem gets even worse especially due to the interruptions it could cause in automated transactions with institutions and peers because of the need to update existing public addresses constantly.
There is an even greater concern when it comes to vendors and institutions which keep track of the changing public addresses due to the amount of work they will need to do. There can be significant operational issues arising from custody providers (like banks, hedge funds, money lenders, etc.) having to move customer funds from one public address to another consistently.
Rekeying — The Solution
Rekeying, the first of its kind, developed by Algorand, had come about to eliminate the issue of a constant change in the public address. This is possible because users can make changes to their private spending keys while still retaining their public addresses.
Users who may have exposed their private spending keys or whose keys are suspected of having been compromised can immediately make changes to the keys without having to change their public address. Thus, their public address remains the same, and other users having the public address would not need to worry over the possible change over some time.
In my next articles, I will give a deeper insight into rekeying with Algorand and how it works. There are very many things to learn and use in this particular new feature. It has applications all over the economies of the world and in different transaction types, especially financial, and I can't wait to share them all with you.
Final Thoughts
Rekeying allows for more flexibility in the sense that users can change their private spending key anytime they want and continue to use the same public address for receiving and keeping their assets.
It further allows for more operational efficiency as identifiers and custody providers (like banks) can continuously transact with the same public address due to the eliminated need to track changes in public addresses.
With the development of this feature, Algorand further establishes itself as a leader in the field of decentralized finance. Powering several solutions in the blockchain Industry. What are your thoughts about Algorand, please drop them in the comment section.
For More information, check out this article by Liz Baran on Algorand's Community Blog about Rekeying.
For More information, Visit:


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An Austrian man named Andreas Gindelhuber who recently offered to trade his Detroit investment property for an iPhone 6 has sold the home to someone who lives down the street from it for less than $1000 in cash, according Zillow blog. Gindelhuber bought the foreclosed home for $41K in 2010, and last listed it for $3,000, missing all its doors and windows, with a chair on the roof and $6,000 tax bill included. So the attention-grabbing tactic payed off in no-longer-owed property taxes, and possibly for an amount somewhere in the neighborhood of the $650 no-plan retail price of an iPhone 6. That, and apparently someone from Germany has offered to donate their new iPhone to Gindelhuber, telling Zillow that "the advertisement touched me somehow."
· Seller's Plan to Swap His House for an iPhone Results in a Sale — And a Phone [Zillow Blog]
· House Hunting? This Guy Will Trade His Home for an iPhone 6 [Curbed National]


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Summer of Smiles – 'Dancing Deer' finger puppets
–Free Creative Craft Hour as part of Summer of Smiles.
Delivered in partnership with Theatr Iolo, with funding from Cardiff Council as part of the Summer of Smiles programme, Grange Pavilion proudly presents a free one-hour craft session for children aged 4-8 years.
Join Theatr Iolo to make Dancing Deer finger puppets, inspired by their production HOOF! which is taking place at Cardiff City Hall Gardens and Cardiff West Community School as part of Summer Of Smiles.
During the craft session, children will be encouraged to design their own 'Dancing Deer' before bringing it to life using paper, glue, pens and other materials. Children will be able to take their finger puppets home to create their own theatre shows for friends and family.
The sessions will be run in English and are suitable for children aged 4-8 years old. If your child has any access requirements, please contact firstname.lastname@example.com and we will do our best to make adjustments so your child can take part.
Spaces are limited to 10 children. Booking is essential. Click here to access the booking page: https://www.eventbrite.co.uk/e/dancing-deer-finger-puppets-tickets-163065779135
Adults must stay for the sessions as little fingers may need a helping hand with some of the activity.
Theatr Iolo is the leading Welsh children's theatre company and has been delivering performances and workshops to babies, children, teenagers, parents, pupils and teachers across Wales, the UK and internationally for over 30 years.


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Installing Your Tile
General Instructions
Here are the short instructions (If you like details, keep reading)
Upload the zip
Click "Configure Now" to configure new settings
Save settings
Save and Activate
Note: Below is Jive's documentation for uploading Add-ons, which includes a tile.
You can build your own add-ons to leverage systems in Jive. Once you build the add-on, upload it to Jive using the Add-ons page.
When you first upload an add-on to your community, we recommend that you first restrict its visibility to yourself and test out your tiles by creating a secret group for them. This strategy reduces the impact on your community and gives you a chance to preview your add-on without setting up an entirely separate test environment.
To upload an add-on:
Click your avatar in the top right, and select Add-ons.
From the Add-ons tab, select All Add-ons > Upload Package.
Click Browse to find the .ZIP package.
If you are not ready to publish this add-on to your community, select this service is visible only to me.
To test your add-on, create a secret group and experiment with your add-on functionality before making it available to everyone in your community.
To push your add-on into the community:
If you uploaded your add-on using the "This service is visible only to me" option, then you need to publish it to your community. This allows others in your community to use the tiles and/or templates provided by your add-on.
Click your avatar in the top right, and select Add-ons.
From the Add-ons tab, select All Add-ons > Installed.
Click the gear icon next to the add-on that you're interested in.
Select to make the add-on visible to the entire community.
When the Permit All Users Access to this Add-on dialog opens, click Uninstall.
Visit Jive Core Help to view this documentation on Uploading Your Own Add-ons
New for Tiles using Multi-language preference display features
We've introduced an Add-on configuration panel to enable language support in tiles.
It allows you to set the languages your tile managers can use in their tiles, so that they are not overwhelmed by all the language possibilities
Once enabled, tile managers can create a Mosaic, Blog Tile for each language enabled (the default if is not set is in English)
To the end-user, they will see the Mosaic that matches their Language preference
What it doesn't do
Nothing is automatically translated. All content in other languages is part of the content or translated by the tile administrator
Does not change other elements on the page
Does not detect a user's browser language, it only uses Jive Preference
This supports all languages on Jive 9 and Jive cloud except Arabic and Hebrew which are right-to-left (RTL) languages
Once you've installed the tile, click on the Configure Now link.
Then, check to enable multi-language support, select which languages you want and then save all. You can then configure the tiles that have this feature enabled.


text: Photo Release Defending DHSUD budget: Sen. Risa Hontiveros defends the proposed P5.448 billion budget of the Department of Human Settlements and Urban Development (DHSUD) and its attached agencies during the hybrid marathon plenary session Thursday, November 19, 2020. According to Hontiveros, the DHSUD budget is less than five percent of its original proposal to the Department of Budget and Management and the limited funding could affect the implementation of its mandates particularly its targeted housing production for people who will be resettled from where they reside along Regions 3 and 4A coastal areas and tributaries of Manila Bay. "It will be unable to pursue many of its mandates in support of direct and indirect production and financing of housing to reduce six million plus backlog in housing stock," Hontiveros said. (Albert Calvelo/Senate PRIB) |


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John 2:13-17
A loan shark is an unlikely tenant for a church sanctuary, but Jesus found their ancient equivalent in the Temple. The money changers were predatory lenders who exchanged Roman coins bearing the idolatrous image of the Emperor for coins that were acceptable offerings in the Temple. And they made a significant profit. Animals brought by poor Jewish peasants to be sacrificed as offerings to God were declared unfit, so they had to be sold for more expensive animals already approved as unblemished by the priests. The ability to worship God was being sold, and the poor were being cheated. No wonder Jesus waded into the fray with a whip!
We usually assume that modern Christianity bears little similarity to this scene. Few, if any, churches take such a marketplace approach to worship and ministry. It is worth asking ourselves, though, whether we have adopted more subtle barriers to worshiping God. Do we consider what Jesus might fervently react to if he visited us one Sunday morning? Have we become so sure that our way of worshiping is the right way that we dismiss all other paths? Do our congregations have formal or informal structures in place to ensure that some people will never be "full" members? Do we feel that salvation should somehow be for sale?
Jesus' actions in cleansing the Temple did not make him popular. He was questioning the status quo and advocating for the poor and the outcasts. What does his example say about Christians and our social and ethical responsibilities?
What do we need to do to make sure that our sanctuaries—and our lives—are places of prayer?
Living and loving God, teach us how to worship you in spirit and truth. Amen.