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Within days, he realized how much he missed his chopping. Activity restriction induced by fear of directed writing report essay falling and objective and subjective measures of physical function: Fear of falling in older women: The effect of a program of multifactorial fall prevention on health-related quality of life, functional ability, fear of falling and psychological well-being. You're a secret service agent and you've been kidnapped and are trapped in a basement. This project consists of 6 separate parts. See reviews, photos, directions, phone numbers and more for the best Resume Service directed writing report essay in Princeton, NJ. Relevant Skills and Experience TITLE More. Connect With Us Facebook Twitter LinkedIn. Thank you so much! Because of the heat I get very tired and demotivated by the time I finish work. Health Insurance Courses Health Inspector Degree and Certificate Program Information High School Psychology Teacher Requirements Job Duties and Salary Info. If you've got a question about studying at UniSA, we've got an answer. High school algebra and college algebra covers a wide range of topics! I try to take a more intuitive and graphical approach to algebra tutoring. The company provides phone numbers for Australian, UK, and US customers. Surprisingly, writing is not that hard. STARTA is the acronym for a bus service in Massilon, Ohio. She straightened up and looked around.
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Adventures Together
BRIDE / ENGAGEMENTS / LIFE / Love
Adventures with your significant other can create a bond unlike any other. The beautiful sights and quiet nights to talk and listen to each other without any distractions are a rarity in itself.
If hiking or exploring is a part of your relationship then embrace the outdoors and take your engagement photos out into the wilderness where all of those other memories took place. You won't regret it!

subset: commoncrawl


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Geneva, Dr. Tawfiq bin Fawzan Al Rabeeah, Minister of Health, signed here today an agreement with the World Health Organization (WHO) with regard to a comprehensive health coverage for 2030 on the sidelines of the 72nd Session of the World Health Organization being held in Geneva.
The signing ceremony is attended by Saudi ambassador in Geneva Dr. Abdulaziz Al-Wasil and WHO Region Director in the Middle East Dr. Ahmad Al-Mandhari.
Source: Saudi Press Agency


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Shopping Therapy – a new Mambo design for your clothing, shoes & accessories store
Shopping Therapy, the new Mambo template release we have made ready to download for you today, will take you out of the boring daily routine mood to a mind refreshing tour through the best shopping areas around.
The Shopping Therapy Mambo template is a fashionable skin solution for your e-store focused on offering clothing or shoes collections and accessories, or your fashion portal where you chronicle the latest trends and pret-a-porter events in your region or on the global stage.
Here is what to be expecting from this new in-fashion Mambo template:
Width: 1000px
Columns: 3 (1 main content column + 2 merged right sidebars)
Parameters: yes
Color variations: violet, red, blue
Tags: free Mambo templates


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Nikos Kazantzakis - The Last Temptation of Christ
Simon & Schuster, 1960. 8vo. Hardcover. First American edition, fourth printing. Translated by P.A. Bien. Good condition. Light wear long lower edge of boards. No markings to pages. Dust jacket is scuffed at spine tips, forecornes; a bit rubbed along joints (see photo).
3-4 business days
I'll do my best to meet these shipping estimates, but can't guarantee them. Actual delivery time will depend on the shipping method you choose.
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
Just contact me within: 14 days of delivery
Ship items back to me within: 30 days of delivery
Request a cancellation within: 2 days of purchase
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.
Please contact me if you have any problems with your order.


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Many major news outlets like The Washington Post and Reuters keep tabs of all the well-known businesses who are currently filing for bankruptcy. Their journalism makes high-profile bankruptcies become hot news items.
One example of this is Hostess's bankruptcy. In 2012, the company received permission in bankruptcy court to liquidate its assets and has since garnered interest from other companies who wish to buy the business. This past weekend, one of Hostess' creditors - Silver Point Capital - and hedge fund Hurst Capital expressed interest in purchasing Hostess's snack cake brands (including the famous Twinkie brand). The company has already sold its Wonder Bread and Beefsteak bread brands, to name a few.
Most Americans learned about Hostess's bankruptcy almost immediately – and many of us continue to follow with a bit of interest. Why is this? The publicity of the bankruptcy comes partly because Hostess has been a part of many American's lives since childhood. It is a company with deep American roots and a long-standing presence on grocery stores shelves.
But the other factor is that whenever a company goes out of business, the economy is affected.


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We enjoy the support of various prep and public school teachers and parents . If you would like to be put in touch please do call the office…
I had the most amazing time. The leaders were caring and the activities were incredible. I can't wait to come back next year and see everyone again!
XXXX announced on her return that it was her 'best ever' holiday. We are delighted that she had so much fun and thank you and your team for making this such a super event
He loved the games and all the activities. 'Dad, I never missed my screens!'
I wanted to thank you, the staff and the leaders for an absolutely first-class Forres. I was blown away by the way xxxx and xxxx came back absolutely raving about it. It is lovely how each day since we have heard little stories of how Mr Shelley did this, or Mr Koops did that, or how the talks were so clear…
The most ENORMOUS thank you for such a great week! Ed absolutely loved every moment and was singing some of the songs on the way home in the car. He thoroughly enjoyed all the activities and making new friends – some of whom are joining him at Radley in September. A huge success and thank you for all the hard work and effort which went into making it so special for them all.
Please could you pass on my thanks to the whole team who worked on week A. My two sons both had an absolutely fantastic time and loved every minute.
I'm so impressed by how well these weeks are run and how much thought is put into the whole organisation.
Will just came back from THE BEST WEEK EVVERRRRRR!!
Thank you so much for a lovely time on Forres A. I loved every activity and all the meetings. I also enjoyed bringing two friends along and I think they enjoyed it and want to come back next year.
XXXX said it was his best holiday ever….Cape Town scored 9/10, Mauritius 9.5/10 and Forres B 10/10!!
the best week of my life


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In the annual plan meeting with Chief Minister, Kuldeep Singh Pathania, MLA Bhattiyat stressed execution of tendered works on priority and urged inclusion of new areas into MLA priority being added to the segment on delimitation. He urged for construction of various link roads.
Renu Chadda, MLA, Banikhet thanked for funds to Singadhar DWSS, Subzi Mandi and Kisan Bhawan at Salooni lauded women empowerment oriented policies. She also thanked for weekly holiday to SPOs.
Surender Bhardwaj, MLA, Rajnagarh wanted execution of drinking water supply schemes, launching of Kakari bridge, solve low voltage problem in SC dominated villages protection of SC dominated Manka village, open roads marooned due to heavy snowfall.
B.K. Chauhan, MLA Chamba thanked for providing Rs. 35 crore NABARD fund to the segment. He urged for extension of Pandit Deen Dayan Kisan Baagwan Samridhi Yojna and wanted early de-notification of sanctuary area in the segment, upgradation of Pathankot-Bharmour road, start construction of Bus Stand, Chamba. He said that development works worth record about Rs. 200 crore were in progress.


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How do you do rhymes in sign language?
15/01/2020 … As a 15-year-old hell-bent on oblivion, I spent a lot of time with my good friend Laura.
Chortle's Opinions section is an arena for fans to share their views on any aspect of comedy.
We invite general comment pieces about particular aspects of the comedy scene (although reviews of individual shows or performers tend not to be suited to this section except in very rare circumstances). Contributions should be at least 500 words in length, in a similar tone to something you might read in a broadsheet newspaper, and emailed to firstname.lastname@example.com
We reserve the right to edit pieces – although we will be careful not to change the meaning of anything – or not to use them at all. By submitting an article you grant Chortle indefinite licence to use it freely; though you retain the copyright on it to use it elsewhere.
15/01/2020 … As a 15-year-old hell-bent on oblivion, I spent a lot of time with my good friend Laura.
07/01/2020 … If you ask me about what I watch online in terms of comedy my answer will be: Patton Oswalt, Mike Birbiglia, Sarah Silverman and Jerry Seinfeld.
20/12/2019 … The general election highlighted a lot of division in the UK: between young and old, right and left, rich and poor, and – according to some – 'the…
12/12/2019 … The first laugh I ever got was at age three, and we were sitting around the campfire.
31/10/2019 … What is a joke? Considering this is key to comedy, there are remarkably few attempts to answer this question.
25/10/2019 … How do you like the following joke from Sumeria in about 1900BC? "Something which has never occurred since time immemorial; a young woman did not fart in her…
25/10/2019 … When my friend Bel was in the final stages of cancer, her husband busted her out from hospital and took her to an end-of-life hospice – in doing so she spent…
10/10/2019 … This article was first published on Chortle last year, but as World Mental Health Day comes around again, Dave Cohen's thoughts on the toll a career…
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But, the beginning is muddled so here is my best recollection..
Alex has been having fevers in the evening for a while.. Well, since September. We have been watching him closely and going in for regular testing and checks.. Nothing has ever come up and we just couldn't figure out what the heck it was. On Sunday he started to feel so yucky that we just weren't feeling confident in our home care. We were able to get a squeeze into clinic. I love that his team will just go with it and will lay their eyes on him. Eden went to our friends the Bates and I brought May and Asher along for the.... Eeeeerrrr.... Fun????
Because we were an add in, our appointment was kind of squished in here and there. Before that sounds like I am complaining, I am absolutely not. Because during our wait he started having chest pain, which set off all kinds of red flags.. What a blessing to be there at the hospital when that was happening and not in the car on the way home.
Now we needed an EKG and echo... His amazing new heart looked fantastic... The tech who was performing the echo did notice something lower down. She confessed that she is not a liver gal and went to grab another set of eyes. This person saw the same thing but also only works with hearts. They decided to pull in Doctor Molina, who also sees this weird thing and is not a liver doctor. Alex is then admitted and an ultrasound is ordered for his belly. It is clear on the ultrasound that Alex has a mass. Now we need a better picture. He had and MRI...
The white part is the "concern". It's an abscess causing all the tummy trouble and yellow coloring. Things sort of went downhill. Alex's body is trying very hard to fight what we found out is a nasty fungus called Aspergillus. eeeeeewwwww..... this is a nasty nasty fungus.
-He got a PICC line to start the crazy antibiotics
-He is currently being watched in the CICU
-He has a drain in his liver to get out all that fluid.
We just keep adding things to his "street cred"
-Lasr, we have discussed the likelihood of a surgery to remove the infected area of his liver.
We haven't made any final decisions because these discussions happened with me, and I would like daddy to hear all the information and we can make a decision together.
In the mean time...
The girls have been off to play with the Drummonds, Bensons, Chenney's, Bates, Petersons, G&G Homer and Clawson. My little Ashy can't go into the ICU.. More for his protection since he won't be fully vaccinated for a few more months. So in the meantime he spent the day today with the Chenney's. You are all so fantastic.. Thank you for helping out in my crisis.. By far the hardest thing for this mommy is getting my little peeps to helpers and activities.
This sweet friend is Craig. He has been to visit and help Gator get his mind off of being where he is. Today he helped Gator forget his hungry tummy before going down for his PICC line. He is so understanding and fun to visit.
Asher and I tried from home to make Gator giggle..
Don't worry everyone.. I laughed and laughed until Asher got me "back".
And we got a couple of Gator and mommy selfies..
Notice his amazing butter cream coloring.. Oh wait.. His totally yellow yucky color..
Looking forward to a nice pink boy again.
Keeping this updated is super hard because of baby, girls and taking care of Gator sooooooo. I might be slow at getting this accomplished. But I am not trying to ignore you if I am slow at calling or texting/Facebooking you back..


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Commission Painting
Original contemporary modern portrait by Anna Bulka.
Each artworks are a unique and hand painted in the UK and comes Directly from my studio.
This painting is already SOLD. Available similar
Artist: Anna Bulka
1x Abstract Paintings
Title: "AbstractS "
Medium: Acrylic, fluorescent, phosphorescent
Colour: green, green, turquoise, copper
SIZE: 80x30cm
Ready to hang.
My paintings are signed on the canvas and paintings finished with a gloss brilliant varnish.
My Custom order acceptable, please send me requested SIZE for a quote.
More about commission art:
I'm always happy to take commissions for new artwork. I won't be able to make an exact the same of a work that already exists, but I can use it as inspiration for something that you will love.
Once the payment has been made, I will start work on your piece as soon as I can, I will update you as the piece progresses from initial sketch to finished masterpiece. I'm always available to answer questions about your piece and the process.
Your satisfaction is very important to us and we wish to work with you to resolve any issues, if you are not able to provide us with a 5 star rating for whatever reason.
Any questions regarding my artwork or commissions are welcome. I care about my customers. Its very important to me that you are completely satisfied with your artwork.
Time realisation orders will vary depending on the size, medium, and my personal schedule, but typically commissions take up to 3-4 weeks to complete.
I offer a full 100% refund policy no questions asked
In stock


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Operating since 2001, Spin Palace Casino has a few years in the bag when it comes to navigating in the gambling world, and its mobile version has plenty to offer. Throughout the years, Spin Palace Casino has improved its gameplay and now regularly updates its collection of slots and table games with new and improved releases, so that players will never get bored. If you're seeking a mobile casino with fast withdrawals, excellent software and excellent promotions, then look no further.
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Katie is our resident slot machines guru. If you don't know what a payline, bonus game, free spin or a scatter symbol is - Katie is the girl to ask. She can often be found spinning the reels of her favorite games, testing out new machines, and keeping a close eye on the progressive jackpot meters.
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Kevin has probably forgotten more about odds and statistics than many people ever know. He is always the man to ask about which game to play in a casino (and why). Kevin is also a history buff and can tell you all about the obscure origins of many of the games you can find in an online casino.
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Samantha is our go to girl when we want to know what goes on behind the scenes in a casino. A self confessed tech geek, she can explain the inner workings of random number generators, as well as cast a critical eye on the software an online casino uses.


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Webhooks integration
Webhooks are user-defined HTTP callbacks from a platform to an external service, triggered when a pre-defined event occurs. In the case of our integration, we send webhooks on survey completion or on each question response.
It may be particularly useful for custom integrations with CRM, as by using webhooks you can notify your 3rd party software about collecting new survey responses.
Setting up webhooks
Launching the integration is only a few simple steps.
Head to Settings > Integrations and pick webhooks from the list.
Click view and enable integration.
The only thing left to do is to choose where to and what event you want to send.
Go to your survey > edit > settings > webhooks. Depending on your preferences, you can enable sending notifications on each response or on survey completion and paste your endpoint address.
To make sure the integration is set up correctly, click send sample request, which will send a test event to your endpoint. You will get a notification letting you know whether your data was sent properly.
💬 To get a more in-depth description of the integration check out our webhooks integration documentation for developers.


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560 Montour Blvd
Bloomsburg, PA 17815
Used 2003 Fleetwood RV Prowler 25Z
2003 25Z Features and Options
Call for details.
List Price: $8,988
Discount: $991
Our Price: $7,997
Discount: $991
Our Price: $7,997
Location: Bloomsburg
Stock# 35327
Location: Bloomsburg
Stock# 35327
Exterior Color: WHITE
Interior Color: TAN
Stock# 35327
Exterior Color: WHITE
Interior Color: TAN
2003 25Z Specifications
|27 ft 2 in
|Interior Color
|Exterior Color
For more information, call us at 570-389-9900 or Contact Us
Similar RVs and Floorplans
About Us
For more than 65 years, Fleetwood RV has worked hard to build a reputation as one of the best motorhome manufacturers in the industry. Today, more RVers trust the open road to Fleetwood RV.* That trust starts with the Fleetwood Advantage, our ceaseless approach to innovating the motorhome construction process with emphasis on smooth handling, unmatched durability, and intuitive details. The result? Fleetwood delivers dependable products with peace-of-mind at every turn so families can spend more time reconnecting with each other.
* Based on IHS Automotive, Polk Recreational Vehicles in Operation (RVIO) as of 7/1/13.
Susquehanna Valley RV is not responsible for any misprints, typos, or errors found in our website pages. Any price listed excludes sales tax, registration tags, and delivery fees. Manufacturer pictures, specifications, and features may be used in place of actual units on our lot. Please contact us @570-374-2267 for availability as our inventory changes rapidly. All calculated payments are an estimate only and do not constitute a commitment that financing or a specific interest rate or term is available.


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Is there a compatibility problem between Clarisoft and Windows 10? I am trying to print a fixed text with rich text block option from Clarisoft, and the printer does not print although I get prints with dates, barcodes, etc.
I can't find the CLARiSOFT application or the website, therefore it's impossible to say exactly anything about compatibility with Windows 10. I've also checked the Google Search pages for a lead on system requirements and didn't find anything as well, therefore I believe that the software is now discontinued and doesn't support Windows 10 at all.
However, if you have the setup package, right click it and choose Properties > Compatibility. Choose Windows XP Service Pack 3 from the list and then tick the Run as Administrator option as well, just to avoid other issues.


text: Important Facts Regarding Online Fitness Training That You Need To Know About If you do not have that much free time available which you can use to workout in your local gym you cannot work out during normal hours as you also have other important things to attend to but, you want to work out every single day, there are actually lots of online fitness training that you can find in the internet which allows you to decide when, how often and where you can do your workout. One good thing that comes from online fitness training is the fact that you are now able to do the workout that you so desire so much together with your expert personal trainer who will guide you along the way. When it comes to online fitness training, you actually have to options to choose from: either you go with the one-year commitment or to choose the four-week training program for a minimum of twenty dollars per month. Notwithstanding whether you choose to have the four-weeks training course of twenty dollars minimum a month or you purchase the one year commitment, the main objective of the online fitness training that you have is to achieve that goals you have set, one of which is to workout daily. By just browsing the internet, completing all the requirements like the filing out of the membership form including your name, your email address and your credit card information, and then submit it afterwards, you will be enjoy all the services that come along with the online fitness training you signed up for. For you to be able to do enjoy all the services of an online fitness training, you need to start by filling out first the online assessment form through a login site that is secured. Following after you, becoming an official member of the online fitness training program site that you have applied for, you can now choose from the workout programs that they offer which typically includes the following courses: cardiovascular exercises, gaining or losing weight, resistance and strength training, stretching exercises and muscle building as well. When you apply for online fitness training, you will not have anything to worry about as your certified online personal trainer will be the one to take care of everything such as that they will be the one to personalize as well as customize your training program that is based on your personal profile which includes your age, your fitness goals, your medical and exercise history, your fitness level, the equipments to be used and the availability of your schedule as well. In addition to that, you will also be provided with nutritional plans that are really healthy for all the dietary needs that you will have, and also, you will be provided with a tailored services and tools for the purpose of ensuring that your health goals and the results that you want will be achieved, not to mention that will also have access to your workout accountability system.5 Key Takeaways on the Road to Dominating Workouts


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Richard Cordray is out; Mick Mulvaney is in. Tapped for his second position in the Trump administration (terms to run concurrently), Director of the Office of Management and Budget Mick Mulvaney has been given the responsibility of leading one of the most scandal-ridden agencies in the history of the federal government, the Consumer Financial Protection Bureau (or CFPB).
While many consider it a daunting task, it is a responsibility with a clear path forward. Director Mulvaney must bring atonement and accountability to an agency that had great promise but lost its way. Recent announcements by Director Mulvaney that call for a dedicated Office of Inspector General for the CFPB and a review of the agency's policies are an important start, and worthy of commendation, but simply appointing an Inspector General does not go far enough.
Given the evidence and allegations of rampant abuse and even fraud at the CFPB that have impacted American businesses, consumers, and the Bureau's own employees, Director Mulvaney must engage in a campaign to bring credibility and legitimacy to the Bureau. There are two main goals he must accomplish to be successful. First, it is important that he undertake a thorough review of all allegations of human rights abuses at the Bureau. Second, it is critical that Director Mulvaney conduct a comprehensive audit of all past examinations which have led to enforcement actions and/or settlements to ensure the agency can move forward untainted. If he fails in this mission, the scandals that once weighed down President Obama, Senator Warren, and Richard Cordray will quickly become the yoke of President Trump and Mick Mulvaney.
The scandals that have plagued the CFPB during its first eight years of existence range from independent reports detailing rampant racism and discrimination throughout the Bureau, to programs that secretly collected credit card information on up to 95% of Americans. Cost overruns for construction of a headquarters that dwarfed the cost per square foot of the most luxurious casinos in Las Vegas only added to the feeling that the executive leadership at the agency, led by former Director Richard Cordray, was not acting in the best interest of American taxpayers, much less American consumers.
These scandals have been the focus of dozens of congressional hearings, but they have hardly been covered in the mainstream press. Shocking since, as a former Network News Producer, I know first-hand that any other time racism is alleged in this country, especially by government agency heads, editors can't get their crews to the story fast enough. But even though CFPB employees have evidence and numerous independent reports from the Government Accountability Office, the Office of Inspector General, and Delloitte to corroborate their allegations, there have been few major news stories talking about the hundreds of federal employees being subjected to working in departments that CFPB management allegedly called "the Plantation," and highly qualified applicants of color who, according to Ms. Florine Williams, a former Senior Equal Employment Specialist in the CFPB's Office of Civil Rights, were allegedly passed over for much less qualified white acquaintances of senior managers.
Even more disturbing, when minority employees, even those like Ms. Williams in the CFPB's own Office of Civil Rights, would bring attention to the racism, discrimination, and corruption within the CFPB, management would aggressively retaliate against those employees, in many cases employees would be disciplined and driven them out of their positions – as was the case with Ms. Cassandra Jackson, a former CFPB examiner.
Ms. Jackson's story is not unlike the story of Ms. Williams, or of many others at the CFPB, though their courage to tell their stories is a testament to the strength and resolve of these public servants. During Ms. Jackson's employment she claims, and fellow employees validate, she was the subject of severe racial and gender discrimination. Perhaps even more shocking, in the course of her work, Ms. Jackson states she was pressured to falsify the official report and alter the evidence in an examination in order to justify an enforcement action and $10 million settlement against Ace Cash Express. If proven, this coercion by senior management in the legal and enforcement departments of the CFPB would amount to criminal fraud. At the very least, this allegation calls into question the legitimacy of every examination undertaken by the CFPB since it was set up by Elizabeth Warren in 2010 after passage of the Dodd-Frank Consumer Protection Act.
In the wake of these scandals, the leadership of Director Mulvaney is a welcome development, and his recent calls for more accountability are exactly what the bureau needs. But Mr. Mulvaney has yet to take the opportunity to atone for the sins of his predecessors at the CFPB, and address the systemic and rampant racism, discrimination, corruption, and retaliation that CFPB employees have faced for the past eight years as they dedicated their careers to a mission they believed in: helping consumers.
The way forward is clear. By acknowledging the problems of the past, forcing the agency to accept responsibility for its actions under the leadership of Elizabeth Warren and Director Richard Cordray, and holding accountable members of management who were responsible for grave violations of the public trust, Director Mulvaney can bring legitimacy and a renewed credibility to an agency that has the potential to be a valuable protective force for American consumers.
Brian J. Wise is the president of the US Consumer Coalition, a national consumer advocacy organization which promotes expanded consumer choice and freedom. The US Consumer Coalition runs the Consumer Protection Initiative (www.CFPBReform.org), serving as a CFPB watchdog.
The views and opinions expressed in this commentary are those of the author and do not reflect the official position of The Daily Caller.


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I have just completed one of those online questionnaires that generates a profile of your strengths and tendencies. In fact it was my second shot, I did it for the first time a few days ago. Some of the results are hilarious – a delightful combination of accuracy and absurdity; for example, when communicating with me ' Do Not stand within three feet of me' and whatever you do, don't touch me! And one statement which I am tempted to milk for all its worth, has me requiring tangible rewards for ALL assignments achieved – not just verbal praise… that means gifts and NICE things!!! Yey!!! (actually I cant think of anything more patronizing…. really, after every assignment?) Some of statements are revelations – of things both true and false that I wasn't previously aware of. For example despite being driven to distraction by repetitive, detailed work on the few occasions I have drawn that particular short straw, I apparently harbor a secret passion and flare for such activity! On the other hand it has been really useful to name that despite living in transition for most of my adult life, I actually find change challenging and need a fair bit of space to prepare and adjust.
It's been a really important week, thinking about next steps ( I am preparing myself for the next big transition!) reflecting on where my skills and strengths might lie and what contribution I can best bring to make a real difference in the lives of those around me. One of the things the online questionnaire has highlighted for me though is that I need others to be an undistorted mirror for me, to tell me what they see of me. On my own I find it difficult to differentiate between my internal world and how I actually come across and behave; I need others to tell me that. .. then ultimately I need to trust God, to follow his lead, not be limited by my experience, my fears or my self assurance, but hang on for dear life and enjoy the ride! Next year is going to be a blast!!!


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Take Quiz
We believe by signing up for the initiative, you too endeavour to develop the skills needed to understand the nuances of personal finance and be money-wise.
In this module we'll touch upon:
✓ Home loans;
✓ Personal loans; and
✓ Credit card loans
The objective is to make you well-versed with the cons of excessive borrowing, the steps to take while availing the loan, and how to get out of a debt trap. We'll not only provide you vital checklist, but will be explaining these aspects to you vide a case study that makes learning practical and interesting.
Traditionally, Indians have been quite averse to buying on credit.
Don't be shocked with the statement! It is absolutely true. You don't have to look too far to assess it; just ask your parents if they purchased as much on credit, as you probably do now!
Your parents probably never lived on debt and if they borrowed, they probably did only in cases of emergency.
But it's far different today...
Among the many customs and trends that have changed, even handling of a personal finance has seen a sea-change. To satiate aspirations - be it buying a home, appliances, car, bike, etc. - availing a loan is very common. Thanks to the capitalism, materialism, and competition we're surrounded by - which has given banking and financing a new life.
Some interesting findings...
A Credit Suisse survey:
According to the recent survey conducted by Credit Suisse, an Indian consumer displays relatively broad-based optimism across the income bracket range
Most assumed that their income levels would rise next year -- thanks to the exuberant times where India is the fastest growing Asian economy
More than 70% households found the current environment conducive for making major purchases
Our experience shows that many a times, people overindulge without recognising the consequences. As a result they land up in a situation of debt-overhang. Their financial condition is like that of Greece - making merry but combating to repay.
You see, availing credit or a loan is fine as long you know the means to service it and are borrowing prudently.
So, let us look at...
10 Things to Watch before Availing Loans
Know your finances precisely - Have a clear understanding of your monthly cash flows (cash inflow and outflow). Draw a budget wisely; it brings about much needed discipline and gives a picture of how hard-earned money is being spent, and helps take a corrective course of action if need be.
Ascertain why you are borrowing - Borrowing money for important life goals like buying a house may be unavoidable. However, check your ability to repay vide the EMIs. So, borrow only the amount that can you can comfortably repay; or to simply put, bite as much you can chew to avoid the discomfort later. Wherever possible live by the rule of living within your means.
Recognise what will be Debt-Income Ratio (D/I) - This ratio will help you gauge how much should borrow vis-a-vis your income. Higher the D/I ratio; more the trouble you may encounter to repay.
Therefore as a thumb rule remember, that your total monthly debt commitments (such as home loan EMIs, credit card payments, EMI for a car, etc.) should not exceed 40% of your gross income. So, if your monthly gross income is say Rs 50,000, your total monthly debt contribution should not exceed Rs 20,000 (50,000 x 40%).
Ascertain how you're going to repay the loan - To avoid burning a bigger hole to your pocket as a penalty, timely repayment of the loan is a must. So, if you're thinking of availing a loan, ascertain the bearing on your household budget. Account for it and recognise the interest rate cycle you would be in if you're opting for a floating rate loan. Take a floating interest loan during a rising interest rate scenario can be perilous.
Check the repayment schedule - The repayment schedule gives an idea on the total borrowing costs (including the interest payments). If you're in a rising interest rate scenario, the interest component of the total loan value will be greater, as against the principal amount, as exhibited in the table here...
For a home loan of Rs 50,00,000 borrowed at 9.35% p.a., it is evident that you save Rs 19,89,420 on a 25-year loan and Rs 38,70,600 on a 20-year loan when you compare it with the total payments of a 30-year loan.
Pay-off the debt with the highest interest rate first - In a world accustomed to plastic money, increasing credit card debt is a huge problem. Credit cards charge the highest interest rate. The moment you carry forward your payment to the next monthly cycle, you will have to pay a steep interest charge on the unpaid amount besides the tax thereon - and this is very expensive in the long run. Thus, ideally pay your credit card dues in full - and if you're unable to do so, don't hesitate to talk to the credit company; they may help you restructure your repayments. Also, don't shy from taking services of a credit counsellor. He can help you get off a credit card debt trap.
Besides, also look into the following facets...
Have you accounted for Emergencies - Life isn't certain. There are uncertainties looming and the only way you can mitigate the risk there is by being prepared with prudent contingency planning.
Ideally maintain 6 to 24 months of regular monthly expenses (including EMI on loans) parked in liquid funds or a savings bank account. This will provide some cushion in case of loss of job, medical emergency, or any unfortunate event that comes when it's most unexpected and has a bearing on our financial health.
Ensure you hold adequate insurance - As a bread winner of the family you ought to honestly address this question: "Am I optimally or adequately insured?" Making a fair assessment will help you gauge where you stand. Remember, insurance is a contract of indemnification and hence should not be ignored. You see, for long term loans (such as home loans), lenders make it compulsory for borrowers to purchase a reducing term insurance policy and assign it in their favour. The objective is to protect the financial interest of the lender and the family, in case of an untoward incidence.
Are you saving enough for the golden years - When you borrow - and especially when you're over-leveraged - the question you need to ask yourself: "Am I compromising on my retirement needs?" As per the survey conducted by Willis Towers Watson, more than 51% individuals from the Asia Pacific region, believed, they were worse off in retirement than their parents. So while you may borrow, ensure that it's not done to the point where vital long-term financial goals are sabotaged.
Keep your family in the loop - When you're planning to acquire a loan, make sure you discuss it with your family. Sharing your rationale with them before availing the loan would help you gain a better perspective. Keeping your spouse in the dark on money matters, may not be in the best interest of your marriage and your family's financial wellbeing. There could be a possibility that your spouse, may productively help - say if she/he has some money to spare, you could avoid availing the loan altogether.
Finally, here are a few...
Live within your means. Borrow considering your repayment capacity. Your debt-to-income ratio shouldn't exceed 40% of your gross income.
Be disciplined when it comes to your debt repayments
Borrow money to invest only when you're allocating it to real estate. If not, when the markets decline, you will not only suffer losses, but will be strapped with an EMI as well.
Ensure you have an adequate term insurance vis-a-vis the loans. This will ensure repayment of the loan in case of any unfortunate event.
While taking a loan and managing it, make sure you aren't compromising on your retirement needs. Retirement is an important life goal and you need to plan for it prudently much as your child's future - their education and marriage needs.
Discuss with your family before you plan to take a loan.
Disclaimer: This is for Private Circulation only and is not for sale. The content is only for information purposes and Quantum Information Services Private Limited (PersonalFN) is not providing any professional/investment advice through it. It does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. PersonalFN disclaims warranty of any kind, whether express or implied, as to any matter/content contained herein, including without limitation the implied warranties of merchantability and fitness for a particular purpose. PersonalFN and its subsidiaries / affiliates / sponsors / trustee or their officers, employees, personnel, directors will not be responsible for any direct/indirect loss or liability incurred by the user as a consequence of his or any other person on his behalf taking any investment decisions based on the content herein. It should be used at the user's own risk. The user must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as he believes necessary. PersonalFN does not warrant completeness or accuracy of any information published herein. All intellectual property rights emerging from this transcript content are and shall remain with PersonalFN. This is for your personal use and you shall not resell, copy, or redistribute this transcript, or use it for any commercial purpose. All names and situations depicted in the transcript content are purely fictional and serve the purpose of illustration only. Any resemblance between the illustrations and any persons living or dead is purely coincidental.


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Users will still have access to the Play Store, but they will not be able to update the operating system of their terminals, which poses a security problem.
Google's decision to break with Huawei opens the question of what will happen to users of devices of the Chinese firm. Google has confirmed that users who currently own a Huawei device will still have access to the Play Store and can download all applications. But they can not update the Android operating system under which their terminals operate, which is a major security problem.
Huawei vs Google
Google has suspended business with Huawei that requires the transfer of hardware and software products, except those covered by open source licenses, said Reuters on Sunday quoting a source close to the commercial dispute. The company explained Monday that current users of Huawei will be able to continue downloading apps on Google Play. "We are complying with the standard and analyzing the implications for the users of our services, Google Play and the security measures of Google Play Protect will continue to work on existing Huawei devices," Google said in a statement. Huawei users can continue to use Google applications such as Gmail, Google Translate or Google Maps, but they will not be able to update the operating system, this is the program (software) that controls the mobile phone. that without it, it would not be possible to use the applications or functions of the smartphone.
"Product updates, and especially operating systems, do two things: incorporate new features and correct all errors that are detected," says Juan Pablo Peñarrubia, president of the General Council of Professional Associations of Computer Engineering of Spain. Google's veto "has important repercussions for a major supplier such as Huawei" that, in addition to mobile phones, manufactures products of all kinds-for example, tablets-that use the operating system.
Although the owner of the operating system is Google, Huawei could develop updates on its own. "Huawei could offer Android security updates when they are available as open source. But this forces you to wait a long time to have the update, "explain Google sources. In addition, according to Peñarrubia, "making an update on a product that is not yours is difficult". Therefore, it emphasizes that the company will have to consider whether to develop its own system or use an existing one.
Google's veto on Huawei will mainly affect users who purchase a Huawei terminal from now on, since in addition to not being able to update the operating system, they will not have access to the Google application store either.
Answer by Huawei
Huawei has announced on Monday that "continue to provide security updates to existing models of Huawei and Honor, as well as tablets, including those already sold and those in stock in the world."
"We will continue to build an ecosystem of safe and sustainable programming to provide the best experience for our users," the company said in a statement.
Huawei laments Google's decision after highlighting its "substantial contributions" to the development and growth of Android in the world. "As one of Android's key partners, we have worked closely with its platform to develop an ecosystem that has benefited users and industry," says the Chinese company.
Practical consequences
The practical consequences of this boycott can affect millions of users around the world. Here we explain the main ones:
Goodbye to Android. If you own a Huawei or Honor phone (your second brand), it can continue to work perfectly. Google has ensured that it will continue to give access to the current security updates of the apps. Worse will be those who are going to buy a new model, since they will not have access to the new versions of Android. As with Windows on PCs, the Android operating system governs the entire phone, from apps to artificial intelligence or camera functions. So soon the mobiles of the Chinese brand will be obsolete compared to its competitors.
Can Huawei build its own operating system? Android is an operating system initially thought for mobile phones. It is possible to differentiate between two versions of Android: on the one hand, AOSP (Android Open Source Project), which is the open base available for everyone, and on the other, the Android that has Google services. The latter is the one that Huawei offered until now. But, if the Google veto is fulfilled, the Chinese firm will only have access to the AOSP code, so it should develop tools equivalent to those of Google on its own.
European operators such as Telefonica, Orange, Vodafone and Deutsche Telekom are reluctant to face extreme blocking measures
If Google's veto is confirmed, Huawei will have no choice but to build its own operating system from scratch, as Chinese managers have already advanced in their first official response. However, while it launches, its sales would plummet in a market in which brands are renewed in a very short time as evidenced by the success of firms such as Xiaomi or Oppo, or the plummeting of the once almighty Nokia. Microsoft, with much more tradition than Huawei and with the absolute dominion of the operating systems for computers thanks to Windows, already tried in the past with its Windows Mobile and reaped the biggest of its failures.
And is that Google's Android system accounts for 85% of the world market for operating systems and the rest is almost in the hands of Apple's iOS.
And the Google Play Store apps? What will happen with the most used applications such as WhatsApp, YouTube or Google Maps? The new Huawei terminals, not having the latest version of Android would be without the new apps that are developed for the operating system. So they should convince the developers and their funders to spend their time and money making apps for the native operating system. Google Play will continue to offer applications to current terminal owners but we must remember that these are updated in parallel with the new versions of Android and iOS, and that there comes a time when developers stop updating them for the old versions. This is what has happened with WhatsApp, which can no longer be used, for example, in the versions of Nokia with Windows Mobile.
What's wrong with Gmail? The new Huawei will not have Gmail either, the favorite email used by 1,500 million active users in the world. There are other alternatives, unlike Android, but they complicate the compatibility with many features of Gmail, without doubt the most advanced email system.
How many users will be affected? Huawei is the third largest mobile manufacturer in the world. The Chinese firm sold 203 million mobile phones in 2018, 34.8% more than in the previous year. Its global share is 13.4% compared to 20.9% of Samsung, which leads the ranking. Apple, in second place, only sold six million more iPhone than the Asian brand.
Can Huawei survive this blow? The Consumer division, which includes the sale of mobile phones, tablets, computers and other smart devices, recorded a turnover in 2018 of 348.9 billion yuan (46.2 billion euros), being the first time in the company's history in the that this division exceeds in revenues the traditional business of telecommunications networks. The blow would be very hard for the electronic conglomerate.
What do the operators think? European operators such as Telefonica, Orange, Vodafone and Deutsche Telekom are reluctant to face the extreme blocking measures proposed and have shown their opposition to the veto for the deployment of 5G Huawei networks proposed by the US Administration. In the case of terminals, the impact is less because there are more manufacturers than networks.
And the processors? The veto of processor manufacturers affects less than Google's because Huawei has its own line of processors (Kirin).
The 5G is also in the air. Huawei adds to the veto of the United States to its deployment of 5G networks, this blow to its terminals. Huawei 5G terminals still require third-party processors such as Qualcomm, and the measure would be a delay.
The consumer organization FACUA has indicated in a statement that if there are changes that would deprive Huawei users of access to security patches in the version of the Android operating system they have installed or to download and update applications through Google Play , Spanish and European legislation establishes a framework for the protection of their rights.
"If the affected equipment was within two years of guarantee, the loss of benefits would entail the right to claim financial compensation from the seller to whom it was purchased." If it was more than two years after its purchase, there would also be a right to compensation. the existence of a possible breach of contract, "says the organization.
FACUA warns that, although Google and Huawei have hinted that users who own devices from the Chinese manufacturer or acquire those currently on the market will not suffer damages immediately, "it is unknown if they can install the next version of the system Android operative ".


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This is a fan-made remake of Star Wars Episode 1. This role may or may not extend into the other two that we intend on making. At this point we are already about halfway done with the project, we just need one more voice.
Breha Organa is the loving wife of Senator Bail Organa of Alderaan. She is poised and kind.
You're allowed to worry about your father staying in one piece, but you must also let him be the great man he is.
You're being dramatic, Padme.
We'll find a way out of this, but we need to stay calm.


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Delray Beach - Planning to avoid Diminishing Returs
|Posted on February 11, 2015 at 3:05 PM
|comments (1)
Certainly the populations of Florida, Palm Beach County and Delray Beach will increase substantially over the coming years. Our town is at a place where it does not need to give incentives to any developers who press for exemptions, conditional uses, higher densities, taller buildings or closing of service alleys.
We are already overburdening our streets with gridlock daily during the winter season. Our easy access and the quality of life are diminishing. Have we reached the "Point of diminishing Returns?" That is, will each new develop result in less for the people of Delray Beach? At this time, there are 1,000 apartment and condominiums under construction or permitted in or near the core of Delray Beach likely, many more are to come. My question is: who benefits?
Delray Beach - Planning density
|Posted on February 11, 2015 at 3:00 PM
|comments (0)
Should we consider down zoning certain lands so that their densities per acre are reduced substantially?
As a point of reference, in the early 1970s, as taller and taller and more and more high rise condominiums were developed south of Delray Beach, inexorably moving north, Highland Beach became a town of nearly all high rise condominiums. The Delray Beach City Commission in its wisdom down zoned the land east of the Intra Coastal Waterway from 45 dwelling units/acre to 15 units/acre. Of course, there was a hue and cry speculators and would be developers , but can you imagine what east Delray Beach would look life today if they had not done that, and can you imagine trying to travel west/west on our one street town with hundreds of more residents trying to get to and from our beautiful beaches.
It is take the same foresight and courage to consider down zoning land in our core so that we don't end up with thousands of new dwellings which our current
infrastructure cannot accommodate. That is why we must elect to our City Commission members who have intelligence, knowledge, courage, a compatible
vision of our future.
Delray Beach - City Elections
|Posted on February 11, 2015 at 2:50 PM
|comments (0)
Delray Beach elections are upcoming and will occur on March 10th. It is important that we actively vote and cast our votes for the best people we can.
If you believe Delray Beach is on the right path now, finally, there is something you can do about it. I urge you and all my friends to consider seriously the
progress we have made during the past year with leadership from Mayor Cary Glickstein, Commissioners Shelly Petrolia and Jordana Jarjura.
As the majority of the City Commission, they had to undo many of the misdirected policies of earlier administrations. Then they had to reconstruct our city
government, hire a new City Manager and other city department directors. They have done a good job in stressing quality over quantity.
Delray Beach is a unique town because of its continued existence with a small town culture, unique in southeast Florida. As a result, it is a veritable magnet
for shoppers, diners, visitors, home buyers, tourists and deep pocketed developers. Our Mayor
and these two commissioners are working hard to preserve our quality of life, honor our history and legislate all they can to preserve our uniqueness, despite
our enormous population growth.
Future of Delray Beach - Its up to us!
|Posted on February 6, 2015 at 10:15 AM
|comments (1)
Hi, I've been meeting with Mayor Cary Glickstein, discussing the growth and quality of life in Delray Beach. We both agree Delray Beach is a unique town and must stay that way. "QUALITY NOT QUANTITY is our belief.
He has good intentions to keep our unique brand and way of life.
Too many residents have told me they no longer drive, dine or shop in downtown. "It's not the Delray we loved". It's too busy with closed streets, closed Atlantic Avenue, $10 valet parking, etc., ad nauseam.
Have you tried to drive on Atlantic Avenue or Ocean Blvd lately? Twice in the past 10 days I've been hit by cars on clogged Atlantic Avenue by drivers who were upset with the delays on the Avenue and actually told me, "I was trying to get the green light!" so they hit me while I was parallel parking in front of the former Mercer Wenzel building
It took me 45 minutes to get from Atlantic Plaza to Seagate Towers last weekend because streets (including Atlantic Ave.) were closed during the "Winter Art Show". Without the Atlantic Ave. bridge, Linton and George Bush were overloaded and everyone drove on A1A including confused tourists who made numerous U turns.
That is not how I want to live.
The question is what do we want our Delray Beach home to be?
Do we need to accommodate every developer's request?
Do we need to provide housing?
What do you think? I'd like you to tell me and our City Commissioners.
Tourism has always generally speaking good for our growth, property values, shopkeepers, restaurants and the like.
As I recall Atlantic Plaza was the last commercial development built by locals who love this city and the last that was built within existing development regulations. There is a difference as compared too Worthing Place. Worthing Place was sold the land by the CRA for far far less than the marketplace value. They asked for and received extra units, more floors than our regulations permitted. Has it really generated as advertised? Then the City Commission accepted the developer's offer to take title of their still empty parking garage. The results?: The city taxpayers now secure, police, maintain, insure and no longer receive ad valorem taxes on the parking garage. Why?
Or the Atlantic Crossing Project. Both of these projects asked for and received exceptions from the height allowance, have density far above the city's regulations and other "gifts" from the City Commission. The resulting traffic congestion will drive shoppers and diners away from Atlantic Avenue
Now comes iPIC movie theaters. They want to be in the Central Business District (CBD) that doesn't permit theaters because they require so much parking, 800 spaces in this case, but only want to provide just over 200 while removing 107 free, street level spaces and replacing them with just 50 spaces in a parking garage. If the theater was built one block south, outside the CBD, it would be required to provide 800 spaces. The CRA which answers to no one, certainly not the citizenry, urges approval including suggesting the city abandoning the North/ South alley which serves for delivery and waste removal from Atlantic Avenue shops.
Do you and other residents enjoy living in our unique city as much as you did just a few years ago? And Do you think it's going to get worse every year in the future?
Have we reached the Point of Diminishing Returns? I believe we have.
Residents over the years have given generously to the city, including Veterans Park and our beautiful public beaches because they passionately loved their town.
Now speculators and developers come and take and do not respect our development regulations or our way of life. They don't live here, and seek only more and more profit while we must live for generations with their mess.
Currencies in Delray Beach for many years were mutual respect, mutual interest, charity, kindness, a love for our "Village By The Sea", neighborliness, dignity and generosity.
Today, it seems, the single currency is money and they want more and more.
And several past Mayors and Commissions appear to have lacked the intelligence, knowledge, integrity, independence or a passion for our way of life.
We voters must demand more from future would be commissioners.
The same goes for our politically appointed CRA Board members. Frankly, I'd rather see our citizen elected commission and Mayor become the board of Directors of the CRA with perhaps the CRA Board becoming an advisory board. Why have two layers of expensive staffs and $2 million offices?
It's time we "Take Back Our City!!!"
I would like to know how you feel about these issues.
Please let me know.
We MUST do something about it if we want our city back!
ACT NOW. Tell our commissioners and Mayor what you want. Remember, they work for us!
Or, please tell me and I'll get your message to them. It is up to us!
Sandy Simon
Delray Beach - A plan
|Posted on February 6, 2015 at 8:45 AM
|comments (0)
Cary Glickstein, our current Mayor of Delray Beach, in my opinion, the best Mayor BY FAR over the past 40 years, wrote this Op Ed article that appeared in the Palm Beach Post last week. I am convinced he has the vital characteristics we need in our Mayor and City Commissioners, characteristics apparently lacking in pa Mayors and commissioners during the past 40 years: Intelligence, Integrity, Independence, good character, a vision in keeping with the expectations and desires of our citizens and a passion for our "Village By The Sea, a most unique town with a high quality of life.
As he has said, "WE WANT QUALITY AHEAD OF QUANTITY".
"As a central tenet of Delray Beach's Comprehensive Plan, is "Village by the Sea" still a relevant, aspirational goal or merely honorific — a tipping of the hat to past generations for what they gave us. It's all of that and more. Yet our town now struggles to balance the sometimes competing priorities of economic development and preserving that which makes Delray so unique and livable.
Some feel we have reached a tipping point and are at risk of losing our small-town character and "vibe" that attracted us and sustained us. Others feel we should leverage our popularity with more intense development offering more economic opportunity and diversity. It is a false dichotomy, despite the divide, to think it's one way or the other — that we cannot reconcile those ideals of being good stewards of our built and natural environment and responsibly marshal the market forces we are fortunate to have.
As a native Floridian shaped by countless anecdotes of town after town losing their way to the pressures of economic cycles, development trends, short-sighted planning and leadership, only to become another unmemorable example of generic USA, I look to other cities' struggles and success in striking the proper balance.
Common themes emerge: great public assets (check), contextual and inclusive planning (ours is 13 years old) and restraint when called for (perhaps now is that time). As Delray looks to enact the first new land development regulations in over a decade, one could argue there is something for everyone.
For those looking back for the way forward, we are focused on improving our public realm by making our streets more walkable — great streets where people want to be, where they feel comfortable, safe and charmed by their surroundings, ensuring that new development is memorable and authentic and, as Charleston Mayor Joe Riley suggested, "we are glad it was built." And as we push back on the blunt tools of density and height to re-define what land uses we want to incent and how best to do it, we are taking steps to preserve our iconic main street, Atlantic Avenue, for the ages.
For the development community we need as an integral partner to sustain our growth and success, they gain clarity and a more streamlined path from plans to shovels in the ground. Is it perfect? No. Are we done? Never. But on the heels of development projects that unnecessarily divided our community, the proposed new code provides time for us to re-engage the four corners of our city-community in a new, inclusive planning process. After all, Delray has always been good at planning our city — from our pioneer families to the latest master plan that served us so well, updating our plan will prepare us for current challenges.
In the end, our city belongs to everybody and when we build here, we are building something for everyone, and while there will always be conflicting and competing visions for what our city should be, we should be in no rush to get there. We are all, at heart, gradualist, our expectations set by the steady passage of time. Delray Beach can grow old competitively and gracefully through proactive, inclusive planning and policy. "Village by the Sea" can be whatever we want it to be.
Cary Glickstein is the mayor of Delray Beach.
Copyright © 2015, Sun Sentinel
U.S. Signals Shift on How to End Syrian Civil War
|Posted on January 23, 2015 at 8:40 AM
|comments (1)
New York Times
U.S. Signals Shift on How to End Syrian Civil War
By ANNE BARNARD and SOMINI SENGUPTA JAN. 19, 2015
BEIRUT, Lebanon — American support for a pair of diplomatic initiatives in Syria underscores the shifting views of how to end the civil war there and the West's quiet retreat from its demand that the country's president, Bashar al-Assad, step down immediately.
The Obama administration maintains that a lasting political solution requires Mr. Assad's exit. But facing military stalemate, well-armed jihadists and the world's worst humanitarian crisis, the United States is going along with international diplomatic efforts that could lead to more gradual change in Syria.
That shift comes along with other American actions that Mr. Assad's supporters and opponents take as proof Washington now believes that if Mr. Assad is ousted, there will be nothing to check the spreading chaos and extremism. American planes now bomb the Islamic State group's militants in Syria, sharing skies with Syrian jets. American officials assure Mr. Assad, through Iraqi intermediaries, that Syria's military is not their target. The United States still trains and equips Syrian insurgents, but now mainly to fight the Islamic State, not the government.
Now, the United States and other Western countries have publicly welcomed initiatives — one from the United Nations and one from Russia — that postpone any revival of the United States-backed Geneva framework, which called for a wholesale transfer of power to a "transitional governing body." The last Geneva talks failed a year ago amid vehement disagreement over whether that body could include Mr. Assad.
One of the new concepts is a United Nations proposal to "freeze" the fighting on the ground, first in the strategic crossroads city of Aleppo. The other is an initiative from Russia, Mr. Assad's most powerful supporter, to try to spur talks between the warring sides in Moscow in late January. Diplomats and others briefed on the plans say one Russian vision is of power-sharing between Mr. Assad's government and some opposition figures, and perhaps parliamentary elections that would precede any change in the presidency.
But the diplomatic proposals face serious challenges, relying on the leader of a rump state who is propped up by foreign powers and hemmed in by a growing and effective extremist force that wants to build a caliphate. Many of America's allies in the Syrian opposition reject the plans, and there is little indication that Mr. Assad or his main allies, Russia and Iran, feel any need to compromise. The American-backed Free Syrian Army is on the ropes in northern Syria, once its stronghold, and insurgents disagree among themselves over military and political strategy.
And perhaps most of all, the Islamic State controls half of Syria's territory, though mostly desert, and it has managed to strengthen its grip even as the United States and its allies try to oust it from neighboring Iraq.
Still, Secretary of State John Kerry declared last week that the United States welcomed both initiatives. He made no call for Mr. Assad's resignation, a notable omission for Mr. Kerry, who has typically insisted on it in public remarks. Instead, he spoke of Mr. Assad as a leader who needed to change his policies.
"It is time for President Assad, the Assad regime, to put their people first and to think about the consequences of their actions, which are attracting more and more terrorists to Syria, basically because of their efforts to remove Assad," Mr. Kerry said.
On Thursday in Geneva, Staffan de Mistura, the United Nations envoy for the crisis in Syria, also signaled a tactical shift, saying that "new factors" such as the growth of the Islamic State, also called ISIS or ISIL, must be taken into account. He said there was no point in trying to organize a third round of Geneva talks before building unambiguous support from both the Syrian government and its opponents for some kind of "Syrian political process."
The urgent search for a political solution, Mr. de Mistura said, must "bear in mind" not only the Geneva framework, "but also the need to adjust aspirations without preconditions, in line with the new factors which have come up in the reality of the area, such as ISIS."
The shifts reflect a longstanding view among United Nations officials in Syria that the West must adapt to the reality that Syrian insurgents have failed to defeat Mr. Assad. Syrians on both sides have said frequently in interviews that they fear the growing influence of foreign militants, and while they mistrust all international players that have financed warring parties, they are willing to explore compromise with other Syrians.
Western diplomats who had long called for Mr. Assad's immediate resignation say now that while he must not indefinitely control crucial institutions like the military, a more gradual transition may be worth considering.
One Western diplomat at the United Nations said that while a "post-Assad phase" must eventually come, "the exact timing of that, we can discuss," as long as the solution does not "cement his position in power."
Western leaders now openly talk about a deal allowing some current officials to remain to prevent Syria from disintegrating, like Iraq and Libya.
"The political solution will of course include some elements of the regime because we don't want to see the pillars of the state fall apart. We would end up with a situation like Iraq," the French foreign minister, Laurent Fabius, told a French radio station last Monday.
At the same time, such statements have further alienated Washington from ordinary anti-Assad Syrians and rank-and-file insurgents, reinforcing the idea that the West has decided to tolerate Mr. Assad.
The view that the United States supports Mr. Assad is spreading even among the groups receiving direct American financing, groups deemed moderate enough to receive arms and work with a United States-run operations center in Turkey. A fighter with Harakat Hazm, one such group, said Wednesday that America was "looking for loopholes to reach a political solution and keep al-Assad."
Tarek Fares, a secular Syrian Army defector who long fought with the loose-knit nationalist groups known as the Free Syrian Army but who has lately quit fighting, joked bitterly about American policy one recent night in Antakya, Turkey. "This is how the Americans talk," he said. "They say, 'We have a red line, we will support you, we will arm you.' They do nothing, and then after four years they tell you Assad is the best option."
The United Nations freeze proposal tries to improve on efforts over the last 18 months inside Syria, where the government and insurgents have reached local cease-fire deals to restore basic services and aid delivery — most recently on Thursday in the Waer neighborhood of the city of Homs.
But those cease-fires have never had the imprimatur of international bodies, and they often collapse. With a few exceptions they have amounted to insurgents' surrender to a government strategy of siege and starvation.
Juliette Touma, a spokeswoman for Mr. de Mistura, said that his plan would not resemble the past cease-fires, and that the United Nations, not the Syrian government, would be the guarantor. Yet even the modest Aleppo proposal is on shaky ground. While Mr. Assad has said he will consider it, his government has not signed off on the plan; Mr. de Mistura's deputy arrived Sunday in Damascus for consultations.
The Moscow talks are arguably in worse shape. While Mr. Kerry said he hoped the talks "could be helpful," several crucial opposition groups have refused to attend and say the United States has not pressured them to go.
That leaves American policy ambiguous, offering only modest verbal support to the new mediation efforts while continuing to finance some Syrian insurgents, yet not enough to seriously threaten Mr. Assad. Even a new program to train them to fight ISIS will not field fighters until May.
Critics argue that Washington is simply trying to disengage and offload the Syria problem to Mr. Assad's allies, Russia and Iran, even at the cost of empowering them.
Still, any attempt to bring the parties to the table should be considered constructive, another Western diplomat said. "You can't say to the Russians, 'Go to hell.' "
Anne Barnard reported from Beirut, and Somini Sengupta from the United Nations. Reporting was contributed by Nick Cumming-Bruce and Michael R. Gordon from Geneva, and Ben Hubbard and Hwaida Saad from Beirut.
iPic Movie Theater - Delray Beach
|Posted on January 5, 2015 at 10:40 PM
|comments (0)
Following is my email to the Planning and Zoning Director, Mr. Little, Director of Planning and Zoning and the P&Z Board members.
"Anyone who has perused the iPic application, what it requires and its negative impact on our city and the CBD, cannot accept it, recommend it or approve it.
It is far too intensive, it asks citizens and shoppers to give up 107 free surface parking spaces for just 50 that will be made available in the new iPic parking garage.
Many, if not most, near the 4th Avenue entrance to the garage will be set aside for the gifting of the north half of the 100 year old alley. This alley is critical to the operation and off Atlantic Avenue delivery, the waste removal and other needs of Atlantic Avenue stores in that area. To abandon the north half as suggested by the CRA would eliminate that access.
For What benefit is this 8 theater to the citizens of our city? The old public Library and Chamber of Commerce lands and buildings belong to the citizens of Delray Beach. Yet the proceeds from this possible sale, a reported $3.6 million would go to the CRA, NOT to the city which needs these funds. The developer tells us they expect 420,000 patrons each year. 420,000! They claim these theaters will bring an additional $6.5 million in revenue to downtown. Well, think about it - 420,000 times a very conservative $20 per person (including tickets - currently $18.00 at their current theaters), popcorn, candies, sit down-yes, they say "sit down food service, sodas, etc., comes to $8.4 million! Now how does it help downtown restaurants and shops when their estimated income goes only to the theater? Even if just 72% of the 420,000 attend, - 300,000, at $20-25 per attendee, the gross revenue will come to $6.0 to $7.5 million and go directly to the theater.
Additionally remember also that movie theaters are destinations, not anchors attracting shoppers and diners. For example look at the theater at Linton and U.S. #1. Several retail stores including strong nationals near the Regal Theater closed. And now, even Regal closed, replaced by a Gym.
We must not allow this project in the CBD proceed.
Thank you for listening. My agenda is on behalf of the quality of life of the citizens and the success of the businesses of Delray Beach.
Sandy Simon"
Detailed information has been given to the P&Z Board and to your staff.
This project belongs outside the Central Business District (CBD) where 800 parking spaces would appropriately be required. It is totally inappropriate for our CBD! The developer is trying to squeeze a watermelon into a tennis ball. Look into this and satisfy yourself. I have and I believe this project will badly hurt the shops along Atlantic Avenue
I have a question: Is it time for the CRA Board to be elected by the citizens? The CRA has not removed most of the blight, especially south of Atlantic Avenue, collects its TIF from east of the Intracoastal to AIA.
Have you ever seen blight there?
Simplest way for that to happen is to have The City Commission replace the CRA Board and become the CRA Board.
If you believe as I do that this proposed theater and office project should NOT be located in the Central Business District with its entrance on S.E. Fourth Avenue then please contact our City Commissioners ASAP.
Yes, to have theaters NEAR to downtown town, with adequate parking would be nice, but it's not imperative
An Important Book for the TIMES.
|Posted on September 17, 2014 at 8:50 AM
|comments (1)
NOW ON SALE - SANDY'S BOOK - A Memoir - The CAMP DAVID ACCORDS 35 years later: No War, No Peace. -- (B&W and Full Color copies are available)
See Book Page for FULL information and follow link to order. >
IS - Conversation on the US reaction
|Posted on September 10, 2014 at 9:35 PM
|comments (3)
Posted on September 10, 2014 at 9:25 PM
As the U.S. government forms and activates a unifies attack on ISIL, the plan is easier in Iraq because we are in concert with the Kurds and the still weak and non inclusive Iraqi government.
In Iraq the new Shiite controlled government still has not included Sunni members, so some in ISIL will continue to posoiit that the government remains an adversary since most ISIL fighters are Sunni, rebelling for inclusion. Sunnis are in the minority in Iraq, but are the majority (65% plus in Syria, which could mean there are thousands of young Sunni males who demand inclusion in Syria's government, thus, providing potential recruits into ISIL.
The conundrum for the U.S. is that without the existing government's approval allowing attacks on their homeland, the U.S. could be charged with invading a sovereign state.
Actually, attacking ISIL in Syria would be far more successful with government assistance and cooperation on the ground instead of arming the small "Moderate" Opposition?
Two questions:
What are the real reasons Obama and the Congress want Assad out? Is it because we've deemed him a dictator? (consider Russia, China, Cuba, N .Korea, Venezuela and several more: Are we not attacking them.
It just doesn't make sense. Is Syria's government a threat to the U.S. and the American people? There is no evidence Syria has ever been a threat to the U.S., but ISIL is considered an existential threat to the entire Middle East. So, should not the U.S. work with the existing Syrian government if that is by far the most efficient means to defeat ISIL? Our best long term interests would be, many believe, is to ally with Assad to defeat ISIL in exchange for Assad to include Sunnis in his government.
Assad, like Saddam Hussein in Iraq governs a secular state where all minorities, women are free as equals.
We destroyed Iraq for false reasons and now we appear ready to do the same in Syria.
Stay tuned...
Alexander A Simon Jr
Thank You Senator Nelson
|Posted on September 8, 2014 at 10:30 AM
|comments (0)
We thank this Senator for his support and action - Sandy Simon.
Sen. Nelson plans bill to approve air strikes in Syria
U.S. Senator Bill Nelson is planning to introduce legislation authorizing U.S. air strikes against the Islamic State in Syria, in a bid to ensure President Obama is not waiting on Congress to escalate the military campaign.
When Congress returns next week, Sen. Nelson says he plans to introduce a bill to "ensure there's no question that the president has the legal authority he needs to use air strikes in Syria."


text:
David G. wrote:Understood. And yet, the fact remains that for a professional writing environment, the output, or the compiled form of a Scrivener document MUST, adhere to proper formatting. I don't see a lot of flexibility in anyones requirements to receive a document for professional review. Proposals, scripts, academic submissions, and articles for publication MUST adhere to a properly formatted output.
Well, no. While proposals etc. MUST adhere to specified formats, the recipients of those documents don't care how the formatting was achieved. There is no inherent requirement that Scrivener itself produce those formats. Indeed, many users prefer to compile from Scrivener to plain text, and use Markdown and similar tools to produce their final formatting.
Scrivener has, over the years, absorbed more and more formatting capabilities into itself. Many users -- myself included! -- think that's good. But the success of Scrivener has never been based on its ability to deliver whatever formatting a user might desire. Other tools fill that niche very effectively.