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29 Nov 3 Ways You Can Use Your Home Equity
If you're a homeowner, odds are your equity has grown significantly over the last few years as home prices skyrocketed and you made your monthly mortgage payments. Home equity builds over time and can help you achieve certain goals. According to the latest Equity Insights Report from CoreLogic, the average borrower with a home loan has almost $300,000 in equity right now.
As you weigh your options, especially in the face of inflation and talk of a recession, it's important to understand your assets and how you can leverage them. A real estate professional is the best resource to help you understand how much home equity you have and advise you on some of the ways you can use it. Here are a few examples.
1. Buy a Home That Fits Your Needs
If you no longer have the space you need, it might be time to move into a larger home. Or it's possible you have too much space and need something smaller. No matter the situation, consider using your equity to power a move into a home that fits your changing lifestyle.
If you want to upgrade your house, you can put your equity toward a down payment on the home of your dreams. And if you're planning to downsize, you may be surprised that your equity may cover some, if not all, of the cost of your next home. A real estate advisor can help you figure out how much equity you have and how you can use it toward the purchase of your next home.
2. Reinvest in Your Current House
According to a recent survey from Point, 39% of homeowners would invest in home improvement projects if they chose to access their equity. This is a great option if you want to change some things about your living space but you aren't ready to make a move just yet.
Home improvement projects allow you to customize your home to suit your needs and sense of style. Just remember to think ahead with any updates you make, as some renovations add more value to your home and are more likely to appeal to future buyers than others. For example, a report from the National Association of Realtors (NAR) shows refinishing or replacing wood flooring has a high cost recovery. Lean on a local professional for the best advice on which projects to invest in to get the greatest return on your investment when you sell.
3. Pursue Your Personal Goals
In addition to making a move or updating your house, home equity can also help you achieve the life goals you've dreamed of. That could mean investing in a new business venture, retiring or downsizing, or funding an education. While you shouldn't use your equity for unnecessary spending, leveraging it to start a business or putting it toward education costs can help you achieve other lifelong goals.
Bottom Line
Your equity can be a game changer. If you're unsure how much equity you have in your home, let's connect so you can start planning your next move.


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Next up, a case of life imitating art. A few months ago, we talked to writer Barbara Kingsolver about her latest book, "Flight Behavior." The book is a fictional account of an ecological disaster in the making, and the fate of millions of monarch butterflies is at the center of the plot. Would the species survive? That's the art part.
Now comes the life imitating part. My next guest says that monarchs, in real life, are in serious trouble. The latest census from the butterflies' over-wintering spot in Mexico shows a population plunged this year. Habitat destruction, among other factors, is to blame.
So how will this story end? Joining me now to talk about it is my guest. Lincoln Brower is a professor emeritus of zoology at the University of Florida and a professor of biology at Sweet Briar College in Sweet Briar, Virginia. Thanks for talking to us today.
DR. LINCOLN BROWER: Well, thank you very much for having me. It's a wonderful opportunity.
LICHTMAN: You're listening to SCIENCE FRIDAY on NPR. I'm Flora Lichtman.
Tell us - give us a sort of status report on the butterflies this year.
BROWER: Well, we have a record that goes back for 20 years, and we've known their colonies in Mexico since 1976. And this past year, the colony size hit 2.94 acres, and that was - the highest year was 52 acres. So there's an enormous difference between the highs and the lows, and we're way below average. And the problem is, over the last decade, we've just been going down, down, down. And this year it hit such a low number that we're worried about their recovery and what it means in the future.
LICHTMAN: And the number of acres corresponds, I guess, to the number of butterflies, right?
BROWER: Well, the way we measure the butterflies and the way we were able to get at the actual numbers, when you're looking at a colony, there are so many butterflies you can't possibly count them. But there was a storm in 2010, and butterflies were dead on the ground up to three feet deep, and we were able to estimate that there are 50 million butterflies per hectare, which is about 20 million per acre.
So if we had two - three acres, that would be about 60 million butterflies left this year, and that's getting down to being a perilously low number, because in the big year, with 52 acres, that year there were more than a billion butterflies over-wintering in Mexico, more than a billion butterflies.
LICHTMAN: A billion, with a B.
BROWER: With a B.
LICHTMAN: That is - it's shocking.
BROWER: Well, there's another decline this year that was very shocking too. We had - in previous years, we had 17 sites with colonies. This year, eight of those sites had zero butterflies. So - and the rest of them had very few butterflies. There was only one colony that had a significant number. And my worry is that they're winking out, one by one, and they may not be able to recover.
LICHTMAN: So they're not making it to these over-wintering grounds. That's what...
BROWER: The numbers - well, there - would you like me to discuss why we think they're going down?
LICHTMAN: I would. We only have about a minute left now, but let's start with one of the reasons anyway.
BROWER: Well, OK. Well, one of the main reasons why the town is going down overtime is the degradation of the Oyamel Forest, this is where the forest - the beautiful forest, high up in the mountains, protects the butterflies like an umbrella and a blanket, keeps them from freezing. Even though they're in the tropics, they're in such high elevation that they're subject to weather storms, Rain, fleet snow, freezing. And in 2010, there was the big chill, and if you've been in the forest, it's like cutting holes in a blanket or chopping holes in an umbrella. Rain gets in. The butterflies get wet. And then when it freezes on early morning, they die from frost.
LICHTMAN: We're going to hear lots more about the butterflies and what's causing the decline and what we can do when we come back from the break. Talking with Lincoln Brower, professor emeritus of zoology at the University of Florida and a professor of biology at Sweet Briar College in Virginia. Stay with us. This is SCIENCE FRIDAY from NPR.
LICHTMAN: This is SCIENCE FRIDAY. I'm Flora Lichtman. We're talking this hour about the plight of the monarch butterfly whose numbers plunged this year and have been steadily declining in the last decade or so. We're speaking with Lincoln Brower, a professor emeritus of zoology at the University of Florida and a professor of biology at Sweet Briar College. And if you want to get in on the conversation, our number is 1-800-989-8255, 1-800-989-TALK. Well, Dr. Brower, let's start with some basic biology of what the butterflies are actually down in Mexico. What's their life cycle like?
BROWER: OK. Well, I need to get to the herbicide tolerant soybeans and corn crops at some point.
LICHTMAN: We will get there.
BROWER: OK, OK. Well, what is so amazing is that in the fall, or starting around the 21st of September, these million, up to, probably, two billion butterflies migrate out of their breeding range in the great lake states in the whole Eastern United States. And they migrate down through Texas, and they arrive in Mexico, almost to the day, on the 1st of November. And then they cluster in these beautiful fir trees. They sort of like the Christmas trees that we have, and it's called the Oyamel Fir Forest, And they become very, very tightly aggregated in these colonies, and they spend the entire winter there. And then when the 21st of March comes, which is exactly six months later, they leave Mexico and they fly North in Texas, breeding along the way. And when they get to Texas, they find the milkweeds, and there, they lay their eggs and establish the new spring generation.
So these butterflies are now seven or eight months old, having been born in September, spent the entire time in Mexico, hibernating there, and then moving back into the breeding range in the spring. It's a pretty amazing life. And then those offspring that are born in Texas take about three weeks to develop, and they migrate up North and getting all the way up into New England and then to Southern Ontario and establish the next generation. And then there's a couple of more generations. And then what is amazing is that the butterflies that are produced the following September are able to fly back almost exactly the same trees in Mexico that they've never seen before.
LICHTMAN: It's amazing. And the other thing that I wanted to ask you about is why the generation times are different? Some live for seven or eight months and the next generation lives for a fewer?
BROWER: Right. Well, this is a super generation that's produced in the fall, and it all relates back to the evolution of the monarch and its history going back, probably, a couple of million years. And that is the monarchs belong to a family of butterflies that are all tropical. But when milkweeds evolved in North America, now there are 108 species, this was a huge evolutionary opportunity and the monarchs migrated out of Mexico to take advantage of these milkweeds. But the monarchs are tropical butterflies, and so you have to migrate back to the tropics in order to survive.
So that's why we have this complex migration. And if they were to breed in Mexico, they would lose their migratory urge. So they have to stay quiet for several months and then fly back into Texas, get back into the breeding mode and establish the short-lived generations which then breed over the summer.
LICHTMAN: Looks like a relay, a baton being (unintelligible).
BROWER: It is. Exactly.
LICHTMAN: Well, so why is the milkweed so important to them? What do they use it for?
BROWER: Well, milkweed is the only plant that the whole family of butterflies can eat, and the monarch feeds on all these different species of milkweeds, and only a few of them are really common. And the problem is that milkweeds are being killed off by herbicides and genetically engineered soybean and corn crops on a huge scale.
LICHTMAN: Describe that more. How are they being killed of by the genetically-modified crops?
BROWER: Well, soybeans and corn have been genetically engineered to be resistant to high-powered herbicides, particularly Glyphosate which, I think, is also called Round-Up. And when a milkweed plant is sprayed with that, it kills it. When the corn and soybeans are sprayed with it, they're perfectly happy. They've been selected to be resistant to the herbicide.
So we know that 63 percent of the milkweeds in the Midwestern United States - soybean and corn belt - have been killed over the past decade. And I, who's been out there and seen these - I was looking at a soybean field, and I can only describe it like standing on the fore deck of the Queen Mary looking out over the sea of soybean, and there was not a single milkweed growing or any other plants growing in that entire field. So these herbicides are sterilizing the environment on a scale which is probably unprecedented in the history of humanity.
LICHTMAN: It seems like there are a lot of economic incentives for this type of agriculture, and it would be hard to change the direction of that train overnight. But is there something that people like our listeners could do tomorrow to help the monarchs?
BROWER: Well, Xerces Society, X-E-R-C-E-S Society and Monarch Watch and other groups are developing milkweed gardens and encouraging people to plant them extensively throughout the range of the butterflies. It's a partial mitigation. Another mitigation that could be gotten into that I think would be very significant is to work with highway departments in all the different states so they don't spray the sides of the roads or cut them at the wrong time. And we know if you cut the milkweeds at the right time, it actually promotes the growth of the caterpillars.
LICHTMAN: Well, that's a great idea. So all of our highways could be lined with milkweed.
BROWER: And the midways too. I mean, it would be - it would not only be milkweeds. And another really important aspect of this (unintelligible) say kill off, is that it kills all the nectar plants, and so that the - all insects and all the birds, the entire food web is affected by these kills. Whereas if we had wildflowers and milkweeds growing all over the roads along the United States, it would be a significant mitigation.
LICHTMAN: You can go to sciencefriday.com/milkweed to learn more about where to get seeds if you want to plant your own monarch garden. And they can still seek it out if you put it in your garden?
BROWER: Oh, absolutely. Monarchs are absolutely magicians when it comes to finding milkweeds. In fact, one time, we were making a movie with some people and the milkweeds had barely come up and everybody was very worried, couldn't find any, and I said follow that female. And she just went from plant to plant to plant and finally we found all the plants in the field. That's what's pretty impressive.
LICHTMAN: That's amazing. Let's go to the phones. Tom(ph) in Milwaukee, welcome to SCIENCE FRIDAY.
TOM: Hi. How are you doing today?
LICHTMAN: Pretty good. How are you?
TOM: Oh, I'm just listening to your show, and I am glad this came up, this subject came up. I grew up on the northwest side of Milwaukee in the late '50s and the early '60s, and there was a forest. It was pretty rural back in those days. There was a forest, and as children, we would go into this little forest and we'd see thousands of monarchs. It was amazing. We were in just in awe of what we saw. At about 1963 and '64, homes were built in that same spot, and they tore the trees down.
There are no longer farms there. There are no longer the monarchs there. And I - my statement is probably - along the migration highway, some of the habitat along that way is also being destroyed, too, which kind of helps with the endangerment of their species.
LICHTMAN: Thanks for calling, Tom.
TOM: OK. Thank you very much.
LICHTMAN: Did you want to say something, Dr. Brower?
BROWER: Well, he's absolutely right. I mean, the problem is the habitat destruction on a grand scale. And development is another problem, just taking what were natural fields and converting them into development. But I think the really serious problem that we have to confront, I think we have to work with the chemical companies to help us mitigate this business of killing off the entire food chain. It's just a very serious problem.
LICHTMAN: I want to mention another link. If you want to track your monarch sightings, go to sciencefriday.com/monarchmath. And if you're interested in milkweed: sciencefriday.com/milkweed. Let's go back to the phones because a lot of people want to talk about this. Ashley(ph) in Indianapolis. Welcome to Science Friday.
ASHLEY: Thank you for taking my call. My question is about how climate change, global warming could possibly be playing a role with the disappearance of the butterflies.
LICHTMAN: Did you get that, Dr. Brower? How...
BROWER: Yes. Well, there's a lot of evidence that's coming out to indicate that monarchs - butterflies that occur in the mountains are moving higher where it's cooler and moving further north. With the monarch, we don't know what's going to happen. It's possible if the milkweeds will move north, the monarch is such a mobile creature, it may be able to follow them.
I think the problem is in Mexico if - there are several studies that suggest that this beautiful oyamel forest will be driven above its capability of surviving, and so that may be a problem. But again, the monarchs are mobile, and they may be able to move if the forests move.
LICHTMAN: Is there any chance of monarchs relocating their overwintering sites somewhere north of Mexico?
BROWER: This was a question that my colleague, Dan Slayback, at NASA had, and we flew over the area for about two weeks looking for colonies in the whole area. We covered a huge area. And we did not find a single new site other than the ones that we already had known about. I was astounded. I had predicted - the were lots of forest, they should be there, and they weren't. They were always going back to the same spot.
LICHTMAN: Do we have an idea of what's so great about those little areas or what's different about them?
BROWER: Well probably they may very well be very old. And we have a hypothesis that the monarchs are, in some way, marking those spots with a chemical that persists through the season to the next fall. And when the new generation comes back, somehow they sense that odor or chemical, and that's why they're always coming back to the same places.
And one of the supports to the hypothesis is the areas which have been terribly degraded by predatory logging. The monarchs have come back to them even though they are super exposed and really vulnerable to freezing.
LICHTMAN: Hmm. And that would explain why the different generations that have never been there before can find the right spot.
BROWER: Exactly. A lot of people don't agree with this. And we have very weak evidence for support of it, but I think it will prove to be the case as time goes on.
LICHTMAN: I'm talking with Lincoln Brower, professor emeritus of zoology at University of Florida and professor of biology at Sweet Briar College. You're listening to SCIENCE FRIDAY on NPR. I'm Flora Lichtman.
So you've been studying these guys for over 50 years now? How do you not just get so depressed by this news?
BROWER: Well, I think underneath it all I am an optimist. And one of my - one of my wonderful reasons to be on this program is to reach people because we need a constituency who are going to stand up for all wildlife. And the monarch is really popular with school teachers. Journey North have something like 40,000 participants. Monarch Watch has at least that many. And it's wonderful educational tool, and it's such a beautiful thing for anybody to get to Mexico to see it. It's just overwhelming to see it. And to me, the monarch is a treasure like a great piece of art, and that we really need to develop a cultural appreciation of wildlife that's equivalent to art and music and so forth.
LICHTMAN: While you see pictures of these ever-wintering sites and it's spectacular even just through the Internet.
BROWER: They are spectacular.
LICHTMAN: Let's go to Des Moines. Kay(ph), welcome to SCIENCE FRIDAY.
KAY: Thank you so much for taking my call. Thank you for mentioning Journey North. I've been watching - we've been following that for two years. My kids and I haven't harvesting the eggs and then raising them inside and then releasing them. And I've often wondered and didn't have anyone to ask - are we helping? Are we hurting (unintelligible) the pollutants water and to protect and we'll share it the classrooms so more kids have a chance to watch (unintelligible) and emerge from their chrysalis. So if you're doing this or is this damaging the population?
LICHTMAN: Thanks, Kay. What do you think...
BROWER: Well, my answer to that is anything you can do to get children interested in the monarch, even if there is a slight cost, the benefit is going to way outweigh that cost and those will be the people that are going to protect the butterfly on into the future.
LICHTMAN: What are the butterflies' natural predators?
BROWER: Well, that was in - lot of my early work was done with that my wife, Linda Fink, and we fond in Mexico that there are two major predators. And it's a really interesting story because milkweeds are toxic plants and the butterflies absorb and store the toxin into their bodies. And if a blue jay eats a monarch butterfly that fed on a toxic milkweed it'll throw up.
LICHTMAN: You took that famous picture of the blue jay throwing up.
BROWER: That's Brower's barfing blue jay.
BROWER: Anyway, and what we found in Mexico was that there were two species of birds, and oriole and grosbeak, which had broken through the chemical defense. And it turns out that the orioles were really clever. They were pecking into the butterfly and tasting it. And if it was poisonous, they dropped it because it turns out that only about maybe 10 percent of the butterflies in Mexico are really toxic. And so they are, by taste discrimination, able to break through this chemical defense. And so that sort of gets you to another philosophical point that no defense is ever perfect. Somebody is always going to break through it.
LICHTMAN: Hmm. Yeah, I like that note. I wonder, too, I read a little bit about dragonflies. Are they predators? I read that they - OK. I'll just say it. I read that they ate the faces off of butterflies. Is that true?
BROWER: Well, the cripsota praying mantises, but I think the overall mortality by praying - by dragonflies is probably not that large and...
LICHTMAN: Go ahead.
BROWER: Well, the big dangers to the monarch is loss of habitat. And I think that all of the other mortality factors are pretty minor.
LICHTMAN: Well, thank you so much for joining us today and telling us about this, Dr. Brower.
BROWER: Thank you, Flora, for asking wonderful questions.
LICHTMAN: Have a great weekend.
BROWER: Thank you.
LICHTMAN: Lincoln Brower is a professor emeritus of zoology at the University of Florida and a professor of biology at Sweet Briar College in Sweet Briar, Virginia. Transcript provided by NPR, Copyright NPR.


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The objective of this technique is to ensure that keyboard users do not become trapped in a subset of the content that can only be exited using a mouse or pointing device. A common example is content rendered by plug-ins. Plug-ins are user agents that render content inside the user agent host window and respond to all user actions that takes place while the plug-in has the focus. If the plug-in does not provide a keyboard mechanism to return focus to the parent window, users who must use the keyboard may become trapped in the plug-in content.
This problem can be avoided by using one of the following mechanisms to provide a way for users to escape the subset of the content:
Ensuring that the keyboard function for advancing focus within content (commonly the tab key) exits the subset of the content after it reaches the final navigation location.
Providing a keyboard function to move the focus out of the subset of the content. Be sure to document the feature in an accessible manner within the subset.
If the technology used in the subset of the content natively provides a "move to parent" keyboard command, documenting that command before the user enters the plug-in so they know how to get out again.
If the author uses a technology that allows users to enter the sub-content with keyboard and does not allow users to exit the sub-content with keyboard by default (i.e., it is not a feature of the Web content technology or its user agents) then, in order to implement this technique the author would either build such a capability into their content or not use the technology.
Once a user tabs into an applet, further tabs are handled by the applet preventing the person from tabbing out. However, the applet is designed so that it returns keyboard focus back to the parent window when the person finishes tabbing through the tab sequence in the applet.
A page that includes content that is not accessibility-supported contains instructions about how to move focus back to the accessibility-supported content via the keyboard. The instructions precede the non accessibility-supported content.
The help information available from the content that is not accessibility supported documents how to move focus back to the accessibility-supported content via the keyboard, and the help information can be accessed via the keyboard.
The help information available for the Web page documents how to move focus from the content that is not accessibility supported to the accessibility-supported content via the keyboard, and the help information can be accessed via the keyboard.
No resources available for this technique.
(none currently listed)
Tab through content from start to finish.
Check to see that keyboard focus is not trapped in any of the content.
If keyboard focus appears to be trapped in any of the content, check that help information is available explaining how to exit the content and can be accessed via the keyboard.
#2 is false
If this is a sufficient technique for a success criterion, failing this test procedure does not necessarily mean that the success criterion has not been satisfied in some other way, only that this technique has not been successfully implemented and can not be used to claim conformance.
Techniques are informative—that means they are not required. The basis for determining conformance to WCAG 2.0 is the success criteria from the


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Wedding Party Venues & DJ Hire Cape Town | Baha Entertainment - Baha Entertainment gives your Party or Wedding that extra spark & flair it needs. We back our primary DJ & Venues Hire Service with various other related?
Wedding Party Venues & DJ Hire Cape Town
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Domain Name: | Bahaentertainment.co.za |
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# | IP Address | Country / Region | City |
1 | 18.104.22.168 | South Africa | - |
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Easy Ramen By: Kaitlin Hill
Let me say this, even as a chef, I was intimidated by ramen. My desire to make something authentic, coupled with my inability to find the perfect noodles led to fear induced procrastination. A story I wrote for my blog sat in my drafts folder for over a year uncooked, unphotographed, hidden.
However, on one of those spectacular DC days where the sky is perfectly blue and the breeze is just right, I came across a little Japanese market on U Street with walls and walls of every ramen noodle variety you could imagine. It felt like a sign. I talked with the sweet little lady who owned the shop, confessing my ramen-making reluctance. I asked, what to add, how to cook, what to do. She answered each of my inquiries with a smile and a simple response, "what do you like?"
So here's how I like it. Easy. I hope you'll like it, too.
Serves: 3 - 4
Ingredients: For the broth: 2 tablespoons of canola oil 1-inch piece of ginger, peeled and thinly sliced 2 cloves of garlic, thinly sliced 1 ounce of kombu 3 chicken breasts 48 ounces of chicken broth 1 tablespoon of soy sauce 1 tablespoon of rice vinegar Toppings: ramen noodles carrot shavings hard boiled eggs nori pickled bamboo shoots serrano pepper scallions bonito flakes toasted sesame seeds whatever you want!
To make the broth, heat the canola oil in a large sauce pot. Add the ginger and garlic. Sauté for 3 – 4 minutes until fragrant. Add the chicken broth, chicken breasts, and kombu. Cook for 30 minutes until the chicken is cooked through and reaches a temperature of 160°F. Remove the chicken and set aside. Strain the broth, discard the kombu, ginger, and garlic. Return the broth to the pot and keep warm over low heat while you prepare the toppings.
Cook the ramen in a separate pot according to package instructions. Drain and set aside.
To cook the eggs, place in a pot of water. Bring to a boil and reduce to a simmer. Simmer for 6 minutes for soft boiled eggs, 10 minutes for hard boiled. Plunge cooked eggs into ice cold water. Let cool and then peel them. To assemble, slice cooked chicken, ladle broth into bowls, add noodles. Top with toppings and chicken. Enjoy!
For more of Kaitlin's recipes, click here. To return to the Short Order Archive, click here.


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PostgreSQL 7.4.30 Documentation | ||||
Prev | Fast Backward | Appendix E. Release Notes | Fast Forward | Next |
Release date: 2005-05-09
This release contains a variety of fixes from 7.4.7, including several security-related issues. For information about new features in the 7.4 major release, see Section E.31.
A dump/restore is not required for those running 7.4.X. However, it is one possible way of handling two significant security problems that have been found in the initial contents of 7.4.X system catalogs. A dump/initdb/reload sequence using 7.4.8's initdb will automatically correct these problems.
The larger security problem is that the built-in character set encoding conversion functions can be invoked from SQL commands by unprivileged users, but the functions were not designed for such use and are not secure against malicious choices of arguments. The fix involves changing the declared parameter list of these functions so that they can no longer be invoked from SQL commands. (This does not affect their normal use by the encoding conversion machinery.)
The lesser problem is that the contrib/tsearch2 module creates several functions that are misdeclared to return internal when they do not accept internal arguments. This breaks type safety for all functions using internal arguments.
It is strongly recommended that all installations repair these errors, either by initdb or by following the manual repair procedures given below. The errors at least allow unprivileged database users to crash their server process, and might allow unprivileged users to gain the privileges of a database superuser.
If you wish not to do an initdb, perform the following procedures instead. As the database superuser, do:
BEGIN; UPDATE pg_proc SET proargtypes[3] = 'internal'::regtype WHERE pronamespace = 11 AND pronargs = 5 AND proargtypes[2] = 'cstring'::regtype; -- The command should report having updated 90 rows; -- if not, rollback and investigate instead of committing! COMMIT;
Next, if you have installed contrib/tsearch2, do:
BEGIN; UPDATE pg_proc SET proargtypes[0] = 'internal'::regtype WHERE oid IN ( 'dex_init(text)'::regprocedure, 'snb_en_init(text)'::regprocedure, 'snb_ru_init(text)'::regprocedure, 'spell_init(text)'::regprocedure, 'syn_init(text)'::regprocedure ); -- The command should report having updated 5 rows; -- if not, rollback and investigate instead of committing! COMMIT;
If this command fails with a message like "function "dex_init(text)" does not exist", then either tsearch2 is not installed in this database, or you already did the update.
The above procedures must be carried out in each database of an installation, including template1, and ideally including template0 as well. If you do not fix the template databases then any subsequently created databases will contain the same errors. template1 can be fixed in the same way as any other database, but fixing template0 requires additional steps. First, from any database issue:
UPDATE pg_database SET datallowconn = true WHERE datname = 'template0';
Next connect to template0 and perform the above repair procedures. Finally, do:
-- re-freeze template0: VACUUM FREEZE; -- and protect it against future alterations: UPDATE pg_database SET datallowconn = false WHERE datname = 'template0';
Change encoding function signature to prevent misuse
Change contrib/tsearch2 to avoid unsafe use of INTERNAL function results
Repair ancient race condition that allowed a transaction to be seen as committed for some purposes (eg SELECT FOR UPDATE) slightly sooner than for other purposes
This is an extremely serious bug since it could lead to apparent data inconsistencies being briefly visible to applications.
Repair race condition between relation extension and VACUUM
This could theoretically have caused loss of a page's worth of freshly-inserted data, although the scenario seems of very low probability. There are no known cases of it having caused more than an Assert failure.
Fix comparisons of TIME WITH TIME ZONE values
The comparison code was wrong in the case where the --enable-integer-datetimes configuration switch had been used. NOTE: if you have an index on a TIME WITH TIME ZONE column, it will need to be REINDEXed after installing this update, because the fix corrects the sort order of column values.
Fix EXTRACT(EPOCH)
TIME WITH TIME ZONE values
Fix mis-display of negative fractional seconds in INTERVAL values
This error only occurred when the --enable-integer-datetimes configuration switch had been used.
Ensure operations done during backend shutdown are counted by statistics collector
This is expected to resolve reports of pg_autovacuum not vacuuming the system catalogs often enough — it was not being told about catalog deletions caused by temporary table removal during backend exit.
Additional buffer overrun checks in plpgsql (Neil)
Fix pg_dump to dump trigger names containing % correctly (Neil)
Fix contrib/pgcrypto for newer OpenSSL builds (Marko Kreen)
Still more 64-bit fixes for contrib/intagg
Prevent incorrect optimization of functions returning RECORD
Prevent to_char(interval)
from dumping core for month-related formats
Prevent crash on COALESCE(NULL,NULL)
Fix array_map
to call PL
functions correctly
Fix permission checking in ALTER DATABASE RENAME
Fix ALTER LANGUAGE RENAME
Make RemoveFromWaitQueue
clean up after itself
This fixes a lock management error that would only be visible if a transaction was kicked out of a wait for a lock (typically by query cancel) and then the holder of the lock released it within a very narrow window.
Fix problem with untyped parameter appearing in INSERT ... SELECT
Fix CLUSTER failure after ALTER TABLE SET WITHOUT OIDS


text:
Redbalifrog Queen Athene Charm Bead
All our orders are dispatched via Royal Mail. Our aim is to process your orders as quickly as possible.
UK Delivery
Please note: some delays are expected due to the current situation and the volume of mail couriers are dealing with.
We Offer FREE UK standard delivery on orders over £50
You should receive your order within 3 to 5 working days.
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Orders to Europe are charged £9.95 for postage.
Please allow 5 – 7 working days for delivery to Europe.
Please note the following items cannot be shipped internationally:
Nail Varnish or polish over 30ml
Perfumes and aftershaves and sanitisers
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You can choose to collect your online order in store free of charge, 6 days per week. All Click and Collect orders will be available to collect from either of our stores:
Moonflower - 55 High Street, Stroud, GL5 1AS
Moonflower Too - 13 High Street, Stroud, GL5 1AZ
When collecting, please bring along your order details.
We are open 9.30-5pm Monday - Saturday.
To help keep our staff and other customers safe, we kindly ask that you wear a mask where required, sanitise and observe social distancing. Thank you.
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My order has not arrived, where is it?If your order has not reached you within our estimated delivery period, it could be for the following reasons:
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If none of the above apply or you still cannot locate your package, please email email@example.com or phone 01453 759297


text:
In association with TK Access Solutions, Elite Elevators presents world-class home lifts for residences in India.
Engineered in Germany and built in Italy, our home lifts are a style quotient, making you the talk of the town with their sheer technological brilliance.
Established in 2013, we have a decade of expertise, making us India's number one authentic home lift company.
We are headquartered in Chennai, Tamil Nadu and serve pan-India.
Our home lifts are custom-made, shaftless, pitless and require no machine room or headroom. In addition, they are energy-efficient and low maintenance. Unlike commercial lifts in India, our home lifts are designed exclusively for residential applications in duplexes, bungalows, and villas. They are ideal for installation at existing and under-construction properties.
Our partner, TK Access Solutions, manufactures them at their facility in Italy in compliance with European home safety codes. Post-installation, TÜV SÜD certifies our home lifts with a badge.
This independent organisation evaluates the product's compliance with safety requirements, ensuring your peace of mind. Lastly, our home lifts have an ISO 9001:2015 certification.
We have partnered with TK Access Solutions to provide high-end home elevators in India. Our product portfolio includes Home Lifts, stairlifts, cog belt home elevators, gearless Home Lifts, and hydraulic lifts. Our home mobility solutions can be installed in villas, bungalows, and luxury residences.
Our residential lifts are made in Italy and delivered to your home in India. As they are engineered in Germany, our residential lifts operate on innovative drives and patented tech.
All of these factors play an influencing role in their price. The starting price of our Home Lifts in house lifts in champhai is Rs. 12L and can go up to Rs. 73L. This price range includes additional factors such as product type, drive, interior/exterior customisations, number of stops and shaft/no shaft requirements.
Our Home Lifts are a perfect match for your dream home. From patented mechanisms, interior customisations and prompt service, we make the home elevator experience quite spectacular for you. Find all the information on our products via our brochure.


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T-Shirt designed to match Jordan Jade Horizon, Sneaker Shirt, Sneakerhead Clothing.
Product Details:
- 100% combed ringspun cotton (fiber content may vary for different colors)
- Light fabric (4.3 oz/yd² (146 g/m²))
- Premium fit
- True To Size Fit.
- The tee is Unisex. To women and ladies, it is best to order a size down for a tighter fit.
- Wash Inside-Out on cold delicate setting. For best care, allow to air dry.
- Modern, slightly fitted shape.
- Runs slightly longer than regular shirts.
Product Display:
The sneakers/shoes are not being sold in this product. You are only purchasing the tshirt and not the shoes. Shoes do not come with this purchase and is only used for marketing purposes. Representation is made so to help you visually find the best T-Shirt to match your sneakers much easier!


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Does Outside Play Improve Children's Eyesight?
Do you see many children playing outside when you drive home from work? Although kids once spent long periods of time outdoors in previous generations, today's youth are less likely to enjoy spontaneous games of hide and seek or kickball. In fact, parents of eight to 12 year olds reported that their kids spend three times as much time using computers and watching TV as they do playing outside, according to The Nature of Americans National Report. Unfortunately, lack of outdoor time can make it hard to see clearly.
What Happens When Kids Spend Less Time Outdoors?
Lack of exposure to sunlight has been linked to an increased incidence of myopia in children. Myopia, commonly called nearsightedness, makes it difficult to see distant objects clearly without prescription eyeglasses or contact lenses. The refractive error occurs when the eye becomes too long from the front to the back. As a result, light rays don't focus directly on the retina, but in front of it.
Although wearing glasses has always been a part of childhood for some children, myopia rates have been increasing lately. Genetics certainly plays a role in myopia. Children of myopic parents are more likely to develop myopia themselves, but inheritance isn't necessarily the sole cause of nearsightedness. Close work, like reading or working on computers for hours at a time, may increase the chance that a child will develop the refractive error.
In most cases, myopia is merely an inconvenience, but it can cause other eye problems in adulthood if it's severe. Retinal tears, cataracts, retinal and vitreous detachments, glaucoma and macular degeneration may be more likely to occur if you need corrective lenses greater than 5 diopters.
Myopia Rates Are on the Rise
In the past, myopia rates remained fairly steady, but that's changed in the last several decades. Myopia cases increased by 66 percent from 1971-72 and 1999-2004, according to a National Eye Institute Research Study. Researchers believe that the increase is due to fewer hours spent outdoors and increased reliance on digital devices, like smartphones, laptops and tablets.
Spending Time Outdoors Offers a Simple Solution
Increasing outdoor exposure can have a very beneficial effect on kids' eyes. Chinese children who spent an additional 40 minutes outdoors every day experienced a lower level of myopia when compared to their classmates who remained indoors. Another study determined that children who have myopic parents but spend 14 hours outside weekly have the same risk of developing nearsightedness as peers whose parents aren't myopic.
Although it may not be possible to prevent every case of myopia, you can reduce your child's chances of becoming nearsighted by:
- Encouraging More Outdoor Time. Spending an hour or two outdoors every day is a simple way to protect your child's vision.
- Limiting Digital Devices. Reducing the time your child spends playing games or surfing the Internet not only offers protection against myopia, but also prevents painful back and neck pain that can occur when your son or daughter bends his or her neck to view digital devices.
- Requiring Frequent Breaks. Whether your child is an avid reader or gamer, ask him or her to take breaks every half hour for at least 20 minutes. Breaks are the perfect time to spend a little time outdoors.
- Provide Foods That Nourish the Eyes. Foods that offer vitamins A, C, E or other nutrients necessary for good vision can help your child reduce his or her risk of developing several eye disease and conditions, including cataracts, glaucoma and age-related macular degeneration. Vision-friendly foods include carrots, peppers, whole grains, dairy products, salmon, citrus fruits, blueberries, spinach and other dark, leafy vegetables.
Increased outdoor time, reduced reliance on digital devices and regular visits to the optometrist can help you protect your child's vision. If it's time for a vision exam, or your son or daughter has been complaining of blurred vision, headaches or eyestrain, call us to schedule an appointment.
Yale Environment 360: U.S. Study Shows Widening Disconnect with Nature, and Potential Solutions, 4/27/17
CNN: Outdoor Playtime Might Help Kids Eyesight, 10/3/17
Investigative Ophthalmology & Visual Science: Early Childhood Refractive Error and Parental History of Myopia as Predictors of Myopia, 1/10
20/20: Controlling Myopia in Children, 8/14
JAMA Network: Additional Time Spent Outdoors by Children Results in Decreased Rate of Developing Nearsightedness, 9/15/15
National Eye Institute: Myopia Increases in the U.S. Population, 2/17/10


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Available in limited quantities. While supplies last. |
Size | Fully adjustable, one size fits most. |
Surgical grade stainless steel. Lead free, nickel free, hypoallergenic, tarnish resistant. Gold & rose gold bracelets are 18K gold dipped. |
Wear your MantraBand every day as your reminder, affirmation, inspiration. #LiveInspired
Comes in gift ready packaging with an inspiring poem/description, perfect gift for your loved ones or a self-care item for yourself.
Material MantraBands are made of hypoallergenic, tarnish resistant, lead free, surgical grade stainless steel. Gold and rose gold bracelets are 18K PVD plated stainless steel.
PVD (Physical Vapor Deposition) plating for jewelry creates a durable and high-quality coating, resulting in long-lasting and beautiful pieces. With proper care, gold plated bands will last a long time.
Stainless steel is a sustainable and eco-friendly choice. It is 100% recyclable and production process for stainless steel requires fewer resources compared to other metals.
Care To clean, wipe with a soft cloth. Avoid frequent contact with strong chemicals, such as detergent, bleach, perfume, etc. Store in a jewelry box or soft cloth. Always remember to remove your gold bands before shower or exercise. Do not wear them in hot tubs or swimming pools.
MantraBands are fully adjustable and will fit most wrist sizes. We designed them to be delicate, lightweight, comfortable and durable, so you can wear them daily, to work or play. Our bracelets are made of hypoallergenic, lead free, and tarnish resistant stainless steel.
Gold MantraBands are made with the same strong, tarnish resistant material as our silver bands, with a thick overlay of 18K gold. With proper care, gold plated bands will last a long time.
Standard shipping is free on all domestic (US) orders over $33.
We also offer free shipping on most international orders with minimum order amount of 200 USD. Delivery times are shown on the checkout page and are in addition to the 1-2 day processing time. You will receive a shipment confirmation email with tracking number when your order is shipped.
We stand behind our products. If you are not completely satisfied with your purchase, send it back within 30 days for a full refund or exchange.


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About Us - Cast in Style
Meet the team
Cast in Style is a family run company.
Cast in Style has a common belief in providing the highest quality products we can. We have been in the cast iron industry for many years and have been able to acquire a vast range of original patterns, many of which are over 150 years old. We are a quality company with a reputation to uphold, that is why we pride ourselves on the quality of the products that we produce. We are based in Shropshire, England, renowned for its foundries and close to where the cast iron industry was forged in Coalbrookdale, Ironbridge nearly 350 years ago, which has a worldwide reputation in the cast iron industry dating back to Thomas Telford. How does it all come together, take a look below.
Born of Fire and Stone
How our Castings are Made
Stage 1
Patterns used for making the sand moulds can take weeks or months to develop. Patterns can be hand made by carving wood to computer designed and pre fabricated. In the example a pattern of our classic airer ends is being used to make a sand cast mould. The picture is of the lower part of the mould. This part is dusted and an upper part is attached to it to be filled with sand below.Stage 2
The pattern is impressed into the special sand. The sand is a mixture of a fine sand and oil which gives a perfect impression. The moulder will fill the "Matchbox" sand tray and pad the sand down each time until the box is full. In these pictures he is filling the upper part of the mould. The two half will easily come apart because of the powder applied in the stage above.Stage 3
The lower and upper parts of the mould are separated and the pattern is removed from the sand box. The mould now has a perfect impression of the original pattern. A running system is carved into the sand for the molten iron to be poured into and flow into the impression of the airer. On the right picture small gas escape holes are made. Molten metal produces a lot of gas which must be able to escape from the mould.Stage 4
Finally a pouring entrance hold is made and enlarged. This will be used to pour the iron through and into the mould. The completed mould is placed on the floor ready for the iron. A heavy weight is placed on the top of it. This is important as it holds the sand together as the hot iron is poured into it. As the gasses escape from the mould they can cause it to explode. The weight prevents this from happening.Stage 5
The furnace is now up to temperature. This is about 700 degrees for Aluminium. 900-950 for Brass and 1600-1650 for Cast Iron. This furnace is gas fired. A crucible inside, made of pot, contained the iron which will be ready to pour. Impurities from the iron will float to the top and will be ladled off before pouring.Stage 6
The molten iron is poured into the moulds. It is very heavy and very hot. The pour must be done quickly and accurately with an even constant flow otherwise the casting will miss run and will be scrap. You can see in the picture on the right the hot gasses escaping at high speed from the gas escape holes made earlier.Stage 7
The iron will set in a few minutes. It will remain hot for hours and will be 3-4 hours before you can touch it. The casting is removed from the sand mould still steaming.Stage 8
The extracted casting is rough round the edges and needs to be fettled and filed to clean it up. The running system also needs removing from it. It is also sand blasted to remove and small imperfections. Once all this is done, the casing is usually powder coated to protect it and give it a tough hard coating which will last a lifetime


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Secondary Offerings. 1The LORD spoke to Moses: 2* Speak to the Israelites and say to them: When you enter the land that I am giving you for your settlements, 3if you make to the LORD an oblation from the herd or from the flock—either a burnt offering or a sacrifice, to fulfill a vow, or as a voluntary offering, or for one of your festivals—to produce a pleasing aroma for the LORD, 4the one presenting the offering shall also present to the LORD a grain offering, a tenth of a measure* of bran flour mixed with a fourth of a hin of oil, 5as well as wine for a libation, a fourth of a hin. You will do this with the burnt offering or the sacrifice, for each lamb. 6Alternatively for a ram you shall make a grain offering of two tenths of a measure of bran flour mixed with a third of a hin of oil, 7and for a libation, a third of a hin of wine, thereby presenting a pleasing aroma to the LORD. 8If you make an offering from the herd—either a burnt offering, or a sacrifice, to fulfill a vow, or as a communion offering to the LORD, 9with it a grain offering of three tenths of a measure of bran flour mixed with half a hin of oil will be presented; 10and you will present for a libation, half a hin of wine—a sweet-smelling oblation to the LORD. 11The same is to be done for each ox, ram, lamb or goat. 12Whatever the number you offer, do the same for each of them.
13All the native-born shall make these offerings in this way, whenever they present a sweet-smelling oblation to the LORD. 14Likewise, in any future generation, any alien residing with you or anyone else in your midst, who presents an oblation of pleasing aroma to the LORD, must do as you do. 15There is but one statute for you and for the resident alien, a perpetual statute throughout your generations. You and the resident alien will be alike before the LORD; 16you and the alien residing with you will have the same rule and the same application of it.
17The LORD spoke to Moses: 18Speak to the Israelites and say to them: When you enter the land into which I am bringing you 19and eat of the bread of the land, you shall offer the LORD a contribution. 20A round loaf from your first batch of dough* you shall offer as a contribution. Just like a contribution from the threshing floor you shall offer it.a 21Throughout your generations you shall give a contribution to the LORD from your first batch of dough.
Purification Offerings.* 22If through inadvertence you fail to do any of these commandments which the LORD has given to Moses—b 23anything the LORD commanded you through Moses from the time the LORD first gave the command down through your generations— 24if it was done inadvertently without the community's knowledge, the whole community shall sacrifice one bull from the herd as a burnt offering of pleasing aroma to the LORD, along with its prescribed grain offering and libation, as well as one he-goat as a purification offering. 25c Then the priest shall make atonement for the whole Israelite community; and they will be forgiven, since it was inadvertence, and for their inadvertence they have brought their offering: an oblation to the LORD as well as their purification offering before the LORD. 26Not only the whole Israelite community but also the aliens residing among you shall be forgiven, since the inadvertent fault affects all the people.
27If it is an individual who sins inadvertently,d this person shall bring a yearling she-goat as a purification offering. 28And the priest shall make atonement before the LORD for the one who erred, since the sin was inadvertent, making atonement for the person to secure forgiveness. 29You shall have but one rule for the person who sins inadvertently, whether a native-born Israelite or an alien residing among you.
30But anyone who acts defiantly,e whether a native or an alien, reviles the LORD, and shall be cut off from among the people. 31f For having despised the word of the LORD and broken his commandment, he must be cut off entirely and bear the punishment.
The Sabbath-breaker. 32While the Israelites were in the wilderness, a man was discovered gathering wood on the sabbath day. 33Those who caught him at it brought him to Moses and Aaron and the whole community. 34But they put him in custody, for there was no clear decision* as to what should be done with him.g 35Then the LORD said to Moses: This man shall be put to death; let the whole community stone him outside the camp. 36So the whole community led him outside the camp and stoned him to death, as the LORD had commanded Moses.
Tassels on the Cloak. 37The LORD said to Moses: 38Speak to the Israelites and tell them that throughout their generations they are to make tassels* for the corners of their garments, fastening a violet cord to each corner.h 39When you use these tassels, the sight of the cord will remind you of all the commandments of the LORD and you will do them, without prostituting yourself going after the desires of your hearts and your eyes. 40Thus you will remember to do all my commandments and you will be holy to your God. 41I, the LORD, am your God who brought you out of the land of Egypt to be your God: I, the LORD your God.i
* [15:2–16] These laws on sacrifice are complementary to those of Lv 1–3. Since the food of the Israelites consisted not only of meat but also of bread, oil and wine, they offered flour, wine and oil in sacrifice to the Lord besides the animal oblations.
* [15:4] Measure: the word, supplied from the context, does not appear in the Hebrew (as also in vv. 6, 9; 28:9, 12, 20, 28; 29:3, 9, 14). Probably the ephah (which is named in 5:15; 28:5) is intended. Hin: see note on Ez 45:24.
* [15:20] Dough: the meaning of the Hebrew term is uncertain; some render, "baking utensils." This word is used elsewhere only in Ez 44:30 and Neh 10:33; a related Hebrew word is used in Lv 2:14.
* [15:22–31] See note on Lv 4:2. Although Lv 4–5 and Nm 15:22–31 both concern inadvertent sins, the emphasis here, as opposed to Lv 4–5, is on the failure of the community to perform "positive commands" rather than on doing what is prohibited.
* [15:34] No clear decision: either it was not clear that gathering wood constituted "work" and as such a willful violation of the sabbath and a capital offense; or they did not yet know how the death penalty was to be inflicted.
* [15:38] Tassels: at the time of Jesus these tassels were worn by all pious Jews, including Jesus (Mt 9:20–21; Mk 6:56); some Pharisees wore very large ones in a display of their zeal for the law (Mt 23:5).
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1* In days to come
the mount of the LORD's house
Shall be established as the highest mountain;
it shall be raised above the hills,
And peoples shall stream to it:a
2Many nations shall come, and say,
"Come, let us climb the LORD's mountain,
to the house of the God of Jacob,
That he may instruct us in his ways,
that we may walk in his paths."
For from Zion shall go forth instruction,
and the word of the LORD from Jerusalem.
3He shall judge between many peoples
and set terms for strong and distant nations;
They shall beat their swords into plowshares,
and their spears into pruning hooks;
One nation shall not raise the sword against another,
nor shall they train for war again.
4They shall all sit under their own vines,
under their own fig trees, undisturbed;
for the LORD of hosts has spoken.b
5Though all the peoples walk,
each in the name of its god,
We will walk in the name of the LORD,
our God, forever and ever.
6* On that day—oracle of the LORD—
I will gather the lame,
And I will assemble the outcasts,
and those whom I have afflicted.
7I will make of the lame a remnant,
and of the weak a strong nation;
The LORD shall be king over them on Mount Zion,
from now on and forever.c
8And you, O tower of the flock,*
hill of daughter Zion!
To you it shall come:
the former dominion shall be restored,
the reign of daughter Jerusalem.
9Now why do you cry out so?
Are you without a king?
Or has your adviser perished,
That you are seized with pains
like a woman in labor?
10* Writhe, go into labor,
O daughter Zion,
like a woman giving birth;
For now you shall leave the city
and camp in the fields;
To Babylon you shall go,
there you shall be rescued.
There the LORD shall redeem you
from the hand of your enemies.
11* And now many nations are gathered against you!
They say, "Let her be profaned,
let our eyes see Zion's downfall!"
12But they do not know the thoughts of the LORD,
nor understand his plan:
He has gathered them
like sheaves to the threshing floor.
13Arise and thresh, O daughter Zion;
your horn I will make iron
And your hoofs I will make bronze,
that you may crush many peoples;
You shall devote their spoils to the LORD,*
their riches to the Lord of the whole earth.d
14Now grieve, O grieving daughter!*
"They have laid siege against us!"
With the rod they strike on the cheek
the ruler of Israel.
* [4:1–4] This magnificent prophecy of salvation is almost identical to Is 2:2–5, with the exception of its last verse. See also Jl 4:9–10, which transforms the promise into a call to war. It is not known if Micah or an editor of the book picked up the announcement from his contemporary Isaiah or if Isaiah borrowed it from Micah. Perhaps both Isaiah and Micah depended upon another, more ancient tradition. The ground of the prophetic hope voiced here is the justice and grace of the God who has chosen Israel. The basis for peace shall be a just order where all are obedient to the divine will. While the vision is a universal one, including all peoples and nations (vv. 3–4), its center and wellspring is the Temple of the Lord of Israel on Mount Zion in Jerusalem.
* [4:6–8] An announcement of salvation proclaiming that the Lord will restore the lame and afflicted people of God as a nation on Mount Zion. Oracle of the LORD: a phrase used extensively in prophetic books to indicate divine speech.
* [4:8] Tower of the flock: in Hebrew migdal-eder, a place name in Gn 35:21.
* [4:10] Frequently the prophets personify the city of Jerusalem as a woman, and here as a woman in labor.
* [4:11–13] The nations who have ridiculed Zion (v. 11) will be threshed like grain (v. 13).
* [4:13] Devote their spoils to the LORD: the fulfillment of the ancient ordinance of the holy war in which all plunder taken in the war was "put under the ban," i.e., belonged to the Lord.
* [4:14] Grieve, O grieving daughter!: the Hebrew actually reflects the ancient Near Eastern mourning practice of afflicting oneself with cuts and gashes, as evidence of grief. A literal rendering would be "gash yourself, O woman who gashes."
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Home / 2003
The DRA was established in 2000 as a formal framework for joint federal-state collaboration to promote and encourage the economic development of the lower Mississippi River and Alabama Black Belt regions. To fulfill this purpose, DRA invests in projects supporting transportation infrastructure, basic public infrastructure, workforce training, and business development. DRA works to create jobs, build communities, and improve the lives of those that reside in the region. DRA's region encompasses 252 counties and parishes in parts of Alabama, Arkansas, Illinois, Kentucky, Louisiana, Mississippi, Missouri, and Tennessee.
DRA's enabling legislation dictates that at least 75% of DRA's funds must be invested in economically distressed counties and parishes and isolated areas within non-distressed counties and parishes. In addition, half of DRA's funds must support transportation infrastructure and basic public infrastructure.
Delta Regional Authority
236 Sharkey Avenue, Suite 400
Clarksdale, MS 38614


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Do You Know How Much Your Home Has Increased in Value?
Last year we saw headlines about a possible housing market bubble, and many wondered if Americans still felt confident about the value of their homes. Recently, the 2018 Houzz & Home Study revealed:
"Homeowners with mortgages have seen their home equity more than double since 2011, increasing to a record-setting $8.3 trillion in 2017."
The average homeowner gained $16,200 in home equity between Q2 2017 and Q2 2018 according to the latest release of CoreLogic's Home Equity Report.
Since 2011 home values have increased significantly throughout the country, with prices rising by 5.1% in 2018 alone. When surveyed, homeowners revealed the top four reasons why they felt their homes had increased in value.
- Desirable Location
- Improved National Economy
- Improved Local Economy
- Low Home Inventory in My Area
As we can see, not only does the data show that the homes have appreciated, but homeowners also believe they know why. Many have taken advantage of the opportunity to use their newly found equity to sell their current house and move up to their dream home!
2019 will be a good year for the homeowners that still want to take advantage of their home equity! CoreLogic forecasts that home prices will increase by 4.8% by the end of the year.
Bottom Line
If you are a homeowner who would like to find out your current home value, let's get together to discuss the hidden opportunities in your home!
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Alarming News: I like Morgan Freeberg. A lot.
American Digest: And I like this from "The Blog That Nobody Reads", because it is -- mostly -- about me. What can I say? I'm on an ego trip today. It won't last.
Anti-Idiotarian Rottweiler: We were following a trackback and thinking "hmmm... this is a bloody excellent post!", and then we realized that it was just part III of, well, three...Damn. I wish I'd written those.
Anti-Idiotarian Rottweiler: ...I just remembered that I found a new blog a short while ago, House of Eratosthenes, that I really like. I like his common sense approach and his curiosity when it comes to why people believe what they believe rather than just what they believe.
Brutally Honest: Morgan Freeberg is brilliant.
Dr. Melissa Clouthier: Morgan Freeberg at House of Eratosthenes (pftthats a mouthful) honors big boned women in skimpy clothing. The picture there is priceless--keep scrolling down.
Exile in Portales: Via Gerard: Morgan Freeberg, a guy with a lot to say. And he speaks The Truth...and it's fascinating stuff. Worth a read, or three. Or six.
Just Muttering: Two nice pieces at House of Eratosthenes, one about a perhaps unintended effect of the Enron mess, and one on the Gore-y environ-movie.
Mein Blogovault: Make "the Blog that No One Reads" one of your daily reads.
The Virginian: I know this post will offend some people, but the author makes some good points.
Poetic Justice: Cletus! Ah gots a laiv one fer yew...
My intuition tells me there's a little bit too much attention to vague notions of "diversity" involved in your education system there, Ms. Rhee…maybe the time's come to focus on something else.
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