text:
Network Marketing – Affluence Network MLM
Thank you so much for visiting TANI in search of "Affluence Network MLM" online.
Just a fraction of bitcoins issued so far can be found on the exchange markets. Bitcoin markets are competitive, this means the price a bitcoin will rise or fall depending on supply and demand. Lots of people hoard them for long term savings and investment. This restricts the amount of bitcoins that are really circulating in the exchanges. Additionally, new bitcoins will continue to be issued for decades to come. Hence, even the most diligent buyer could not purchase all present bitcoins. This situation is not to imply that markets will not be exposed to price manipulation, yet there is certainly no requirement for substantial sums of cash to transfer market prices up or down. The slightest events in the world economy can change the price of Bitcoin, This can make Bitcoin and any other cryptocurrency volatile.
Since one of the earliest forms of making money is in cash lending, it's a fact that one can do that with cryptocurrency. Most of the giving sites currently focus on Bitcoin, Some of these sites you are demanded fill in a captcha after a particular time frame and are rewarded with a bit of coins for seeing them. You can visit the www.cryptofunds.co website to find some lists of of these sites to tap into the money of your choice. Unlike forex, stocks and options, etc., altcoin marketplaces have very different dynamics. New ones are always popping up which means they don't have lots of market data and historical view for you to backtest against. Most altcoins have rather inferior liquidity as well and it is hard to come up with a fair investment strategy.
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In case of the fully-functioning cryptocurrency, it may also be traded being a commodity. Promoters of cryptocurrencies announce this sort of electronic money is not governed by a key bank system and is not therefore subject to the whims of its inflation. Since there are a restricted number of products, this coin's price is founded on market forces, permitting owners to business over cryptocurrency deals.
The beauty of the cryptocurrencies is that scam was proved an impossibility: as a result of character of the protocol in which it is transacted. All transactions on a crypto currency blockchain are permanent. After you're paid, you get paid. This isn't anything shortterm wherever your customers can challenge or require a concessions, or employ dishonest sleight of palm. Used, most traders would be smart to make use of a payment processor, due to the permanent character of crypto currency deals, you have to be sure that protection is tough. With any kind of crypto currency whether it be a bitcoin, ether, litecoin, or the numerous different altcoins, thieves and hackers may potentially access your private tips and therefore take your cash. Unfortunately, you probably can never get it back. It is vitally important for you really to undertake some excellent secure and safe routines when dealing with any cryptocurrency. Doing this may guard you from most of these damaging activities.
Cryptocurrencies such as Bitcoin, LiteCoin, Ether, YOCoin, and many others have been designed as a non-fiat currency. To put it differently, its backers claim that there is actual worth, even through there is absolutely no physical representation of that worth. The worth rises due to computing power, that's, is the only way to create new coins distributed by allocating CPU power via computer programs called miners. Miners create a block after a period of time that is worth an ever diminishing amount of money or some sort of wages in order to ensure the shortage. Each coin includes many smaller components. For Bitcoin, each component is called a satoshi. Operations that take place during mining are exactly to authenticate other trades, such that both creates and authenticates itself, a simple and elegant alternative, which can be among the appealing aspects of the coin. Once created, each Bitcoin (or 100 million satoshis) exists as a cipher, that is part of the block that gave rise to it. The one who has mined the coin holds the address, and transfers it to a value is provided by another address, which is a wallet file stored on a computer. The blockchain is where the public record of all trades dwells.
The fact that there is little evidence of any increase in the use of virtual money as a currency may be the reason there are minimal attempts to regulate it. The reason for this could be merely that the market is too little for cryptocurrencies to warrant any regulatory attempt. It truly is also possible the regulators just do not comprehend the technology and its implications, anticipating any developments to act.
Mining cryptocurrencies is how new coins are put in circulation. Because there is no government control and crypto coins are digital, they cannot be printed or minted to create more. The mining process is what makes more of the coin. It may be useful to think of the mining as joining a lottery group, the pros and cons are the same. Mining crypto coins means you will really get to keep the full rewards of your efforts, but this reduces your chances of being successful. Instead, joining a pool means that, overall, members will have a much greater possibility of solving a block, but the reward will be split between all members of the pool, depending on the number of shares won.
If you're thinking about going it alone, it is worth noting that the software configuration for solo mining can be more complex than with a pool, and beginners would be likely better take the latter course. This option also creates a stable flow of earnings, even if each payment is small compared to fully block the reward.
Here is the trendiest thing about cryptocurrencies; they don't physically exist everywhere, not even on a hard drive. When you look at a unique address for a wallet containing a cryptocurrency, there is no digital information held in it, like in exactly the same way a bank could hold dollars in a bank account. It is only a representation of value, but there isn't any actual palpable sort of that value. Cryptocurrency wallets may not be confiscated or immobilized or audited by the banks and the law. They would not have spending limits and withdrawal restrictions enforced on them. No one but the owner of the crypto wallet can decide how their riches will be managed.
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Ethereum is an incredible cryptocurrency platform, nevertheless, if growth is too quickly, there may be some issues. If the platform is adopted quickly, Ethereum requests could increase drastically, and at a rate that surpasses the rate with which the miners can create new coins. Under a situation like this, the whole platform of Ethereum could become destabilized due to the raising costs of running distributed programs. In turn, this could dampen interest Ethereum platform and ether. Instability of demand for ether can lead to a negative change in the economical parameters of an Ethereum based company which could result in company being unable to continue to run or to cease operation.
The physical Internet backbone that carries data between different nodes of the network is currently the work of several firms called Internet service providers (ISPs), including firms that offer long distance pipelines, occasionally at the international level, regional local conduit, which ultimately connects in families and businesses. The physical connection to the Internet can only happen through one of these ISPs, players like degree 3, Cogent, and IBM AT&T. Each ISP runs its own network. Internet service providers Exchange IXPs, owned or private companies, and occasionally by Authorities, make for each of these networks to be interconnected or to move messages across the network. Many ISPs have agreements with providers of physical Internet backbone providers to offer Internet service over their networks for last mile-consumers and companies who want to get Internet connectivity. Internet protocols, followed by everyone in the network causes it to be possible for the info to flow without interruption, in the correct area at the perfect time.
While none of these organizations possesses the Internet collectively these companies decide how it works, and recognized rules and standards that everyone stays. Contracts and legal framework that underlies all that is taking place to determine how things work and what happens if something bad happens. To get a domain name, for example, one needs consent from a Registrar, which has a contract with ICANN. To connect to the Internet, your ISP must be physical contracts with providers of Internet backbone services, and suppliers have contracts with IXPs from the Internet backbone to attach to and with her. Concern over security problems? A working group is formed to work on the problem and the alternative developed and deployed is in the interest of all parties. If the Internet is down, you've got someone to phone to get it repaired. If the difficulty is from your ISP, they in turn have contracts in position and service level agreements, which regulate the way in which these problems are solved.
The benefit of cryptocurrency is that it uses blockchain technology. The network of nodes the make up the blockchain is not regulated by any centralized firm. No one can tell the miners to update, speed up, slow down, stop or do anything. And that is something that as a committed promoter badge of honor, and is identical to the way the Internet works. But as you understand now, public Internet governance, normalities and rules that regulate how it works current inherent difficulties to the user. Blockchain technology has none of that.
Many people choose to use a money deflation, notably individuals who desire to save. Despite the criticism and skepticism, a cryptocurrency coin may be better suited for some uses than others. Financial privacy, for example, is great for political activists, but more problematic when it comes to political campaign funding. We need a steady cryptocurrency for use in trade; If you are living pay check to pay check, it'd take place within your wealth, with the rest reserved for other currencies.
For most users of cryptocurrencies it's not essential to understand how the procedure works in and of itself, but it's basically crucial that you understand that there's a process of mining to create virtual money. Unlike monies as we understand them today where Authorities and banks can just select to print unlimited amounts (I am not saying they're doing so, only one point), cryptocurrencies to be managed by users using a mining program, which solves the advanced algorithms to release blocks of monies that can enter into circulation.
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You may run a search on the web. First learn, then models, indicators and most importantly practice looking at old charts and pick out trends. When you commence to keep a trading diary screenshots and your comment/forecast. Precisely what is the best way to get confident with charts IMHO. Oh certainly, and don't fool yourself into thinking that you purchase the uptrend will never go lower! Always will go down! You will discover that incremental benefits are more reliable and profitable (most times)
It should be hard to get more little increases (~ 10%) throughout the day. Study how to read these Candlestick charts! And I discovered these two rules to be true: having small increases is more lucrative than trying to resist up to the peak. Most day traders follow Candlestick, so it's better to look at books than wait for order confirmation when you think the cost is going down. Secondly, there's more unpredictability and reward in monies that never have made it to the profitableness of sites like Coinwarz.
It is definitely possible, but it must be able to comprehend opportunities no matter market behavior. The market moves in relation to cost BTC … So even if it's in a BTC trend down can make money by purchasing the altcoins which are altcoin oversold trading ratios-BTC. Sure, your purchasing power in DOLLARS may be lower, but as long as your purchasing power in BTC is still growing you'll be ok.
Entrepreneurs in the cryptocurrency movement may be wise to investigate possibilities for making gigantic ammonts of cash with various types of online marketing.There could be a rich reward for anyone daring enough to endure the cryptocurrency marketplaces.Bitcoin structure provides an informative example of how one might make a lot of money in the cryptocurrency marketplaces. Bitcoin is an extraordinary intellectual and technical accomplishment, and it's generated an avalanche of editorial coverage and venture capital investment opportunities. But not many people understand that and lose out on very profitable business models made available due to the growing use of blockchain technology.
The transactions of Bitcoins are recorded in ledgers which are referred to as Blockchains. The ledgers use incredibly sophisticated technology about them to work. The thought is very straightforward than you think. The Blockchain allows two parties to create a smart contract. The contract can be created between two firms in a platform known
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Ethereum is an incredible cryptocurrency platform, nevertheless, if growth is too fast, there may be some issues. If the platform is adopted quickly, Ethereum requests could rise drastically, and at a rate that surpasses the rate with which the miners can create new coins. Under a situation like this, the whole platform of Ethereum could become destabilized because of the raising costs of running distributed applications. In turn, this could dampen interest Ethereum platform and ether. Instability of demand for ether can lead to an adverse change in the economical parameters of an Ethereum based business that could result in business being unable to continue to run or to stop operation.
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Carola van Dyke Daisy the Dalmatian Pillow
Dutch by birth, British by residence artist Carola van Dyke creates adorable handmade animal pillows. In this case Daisy the Dalmatian peers affectionately at you from his background of vintage and modern fabrics.
!8 by 18 inches. Handmade in Britain with a combination of vintage and modern upholstery fabrics. Duck feather fill.
$ 150.00

subset: commoncrawl


text:
The MG3 is one of those cars thats now been "facelifted", there is not really any changes to the exterior to really say anything about, the interior is the same, little change there either, but the main change is the engine, they have made that more environmentally friendly a little more Oomph and a start stop system to give the car more miles per gallon, but more on that later.
The car really looks the part, for a supermini to look sporty and roomy is a given these days, but to have a name associated with sportiness, as well as room and capability is a great combination, the lines of the exterior flow well, from the lights at the front along the side to the rear and the oversized long lighting signature.
The Silver MG badge at the front with the silver strip below gives it a better look, the silver line really does give the car an air of class, that the previous model failed to have, the remainder of the exterior is a very nice car to look at, and better than some other brands cars that are available.
The interior is a great place to be, the glass area is vast, you can see out around the windows very well, with no real blockage, the seating position once you get the seat in teh right place is near to perfection as can be, all the switchgear is very near and handy, and the top box which slides open for you to add your iPod or Sat Nav too, can close to protect them from anyone that decides to break in and slide it up and take whatever is within.
Talking of the engine, the 1.5 litre DOHC VTI-TECH is the only engine available for now, and it runs 106ps, not the best power in the world, but the gearing does make for a a spirited drive in the car, regardless of models, currently the car has for models, the 3Time, 3Form, 3Form, Sport and 3Style+, a play on words but it gives you a distinct idea of what is available to buy.
The cars fuel consumption is alleged to produce :-
- Urban 37.7mpg
- Extra Urban 57.6mpg
- Combined 48.7mpg
We did mainly motorway driving with a couple of local driving trips, and achieved 49.5mpg, the co2 level is a rather large 136g/km, now thats way above cars with bigger engines, bigger body styles and more power, but given that the next MG3 might, only might, deal with this we can forgive this on this occasion, top speed, well, thats also nothing to write home about, at 108 mph.
The 108 mph top speed will keep up well with motorway speeds, and the gearing also means that the car does really really well around town, and to be honest it does frighten you a little with how quick that the car pulls away and gets you around local roads.
Having this speed means that you need to have a car that is easy to drive and comfortable, and with this car you get both, the seats are not the most supportive in the world, but they do keep you planted and with a degree of comfort that makes you complete a long journey in reasonable comfort with a certain degree of equipment.
The car comes with just a few toys, this helps keep the cost of the car low, the start price for the MG3 is £8,695, which for a car of this size, power and equipment is brilliant, the model we had:-
- Front LED Daytime Running Lights
- Hill Hold Assist
- Ultra Low Insurance Rating - 4E
- DAB Audio System (not Entry Model)
- Six Airbags
- Electronic Stability Control Corner Brake Control
- Traction Control
- Leather Wrapped Steering Wheel With Red Stitching
- Air Conditioning
- Cruise Control
- 16" Alloy Wheels
- Electric Windows
The boot space is not the biggest in the world, but it houses a good weekly shopping without any issues, , put the seats back and forth is also not an issue, there is also huge amount of space in the rear for very tall passengers, you can take five adults in the car, but four would be better with significant comfort and space, there are lots of cubby spaces for drinks and other items that you would feel like taking with you on a journey.
The glove box isn't very big, and is chunk is taken up with the MG3 hand books, but like i have said previously you have the top box with the sliding flap to put some smaller items.
The car is very quiet, left to idle you would not know that the engine was running, it is that quiet, driving it and you know that it is a sporty car, it grips the road and corners extremely well, like a train on tracks it is that good, combine that to the large glass area, you have a brilliant car.
The brand is growing at a slow but sure way, there is currently 77 dealers in the country, and this is growing, the MG3 is the best seller, and obviously the GS SUV the other car they sell, the sales will swell in quarter four of this year with the addition of the XS, a slightly smaller Crossover, to take the fight to the Nissan Juke class, the brand is based from Longbridge, the old MG-Rover plant, but no production is made and is not likely to be either.
The brand also does not sell cars in Europe, but this will change in the next 18 months or so, and more models will be added to the range over the next 5-6 years, including a much needed and wanted sports car, for this is what MG is basically known for.
Well, would i own one of these cars, if i was in the market for one, yes definitely, it does everything you want from a car, and more, the next generation mainly stays the same with new lighting and bumper at the front and new tailgate at the rear, it is reasonably comfortable and economical, has a distinct lack of toys, but you can upgrade the car to one of the other models, and then choose one of the One Million personalisation options available, so you could have a car that no one else in the UK owns.
If you can put up with the depreciation, high CO2 and lack of toys, and just want a car to get you from A to B, then this is for you, without any doubt, it truly is a great car and deserves to sell far more than it does.


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Underground culture precedes underground music.
Take a trip into the underground.
Martin Scorcese
Director of "Mean Streets", "Taxi Driver", "Raging Bull", and "Goodfellas".
another site
Quentin Tarantino
Does he need an introduction? "Reservoir Dogs", "Pulp Fiction", "From Dusk Till Dawn", and "Four Rooms".
Stanley Kubrick
Insanely gifted director of "A Clockwork Orange", "2001: A Space Odyssey", "Dr. Strangelove", and "The Shining".
another site
John Woo
Genius director of "The Killer", "Hard Boiled", "Bullet In The Head", "A Better Tomorrow", and "Face/Off".
Alfred Hitchcock
Horror mastermind of film: "Psycho", "Vertigo", "Frenzy", "Dial M for Murder", and so many others.
Dario Argento
The Italian Hitchcock. Renowned for such splatter suspense thrillers as "Suspiria", "Tenebre", "Terror at the Opera", "Zombie: Dawn of the Dead" and "The Stendhal Syndrome".
Francis Ford Copolla
Director of The Godfather trilogy, "Apocalypse Now", and other classics.
Peter Jackson
Director of cheese and sleaze in gore. Brilliantly hilarious: "Bad Taste", "Meet The Feebles", and "Dead Alive".
David Lynch
Insane director of "Eraserhead", "The Elephant Man", "Blue Velvet", "Dune", "Lost Highway" and the Twin Peaks TV series.
Alejandro Jodorowsky
Genius filmaker: director of "El Topo", "Santa Sangre", and "Holy Mountain".
David Cronenberg
Horror film director of "Videodrome", "Dead Ringers", "The Fly", and "Naked Lunch".
Geroge Romero
The director of "NOTLD", "Dawn of the Dead", and "Day of the Dead".
Lucio Fulci
The director known by cult horror fans for cinematic gore and scary zombies.
Shinya Tsukamoto
Japanese filmmaker and director behind the surrealistic and nightmarish movies "Testuo: Iron Man" and "Tokyo Fist".
Brian DePalma
Director of "Sisters", "Carrie", "Dressed To Kill", "Body Double", and "The Untouchables".
Wes Craven
Director of "Last House on the Left", the Nightmare on Elm Street series, and the horror pop trash Scream series.
John Carpenter
Creator of "Halloween" and director of various other horror films.
George Lucas
Director of the Star Wars trilogy.
Tom Savini
Director of Night of the Living Dead (1990) and special effects mastermind behind "Creepshow", "Friday The 13th", "Dawn of the Dead", and "Day of the Dead".
Sam Raimi
--Director of the Evil Dead trilogy.
tasteless top 10
Pier Paolo Pasolini
Infamous though respected director of "Arabian Nights", "The Canterbury Tales", and the notorious "Salo, 120 Days of Sodom". Murdered under mysterious circumstances after releaseing "Salo".
Joe D'Amato
Sex and gore. No boundaries left uncrossed.
Jess Franco
Prolific exploitationist.
Ruggero Deodato
Cannibal king who directed the splatter cult classic "Cannibal Holocaust".
John Waters
Known as the "prince of puke". Director of "Pink Flamingos", "Desperate Living", "Hairspray", and "Cry-Baby".
Jean Rollin
Vampires, nudity, and gore.
Herschell Gordon Lewis
Exploitation, women, violence, and gore! Director of "Color Me Blood Red" and "The Gore Gore Girls".
Umberto Lenzi
Exploitationist who directed "Cannibal Ferox".
Amando de Ossorio
Sadistic director who loves blood.
Leon Klimovsky
Vampire, werewolves, and b-movie horror.
Cult Classic Movies A-L
Cult Classic Movies M-Z
Vomit-Inducing Gore-fest Classics
My favorite movies
1. Star Wars
2. Pulp Fiction
3. The Exorcist
4. Profondo Rosso
5. Citizen Kane
6. A Clockwork Orange
7. Hard-Boiled
8. Psycho
9. The Shawshank Redemption
10. The Godfather
11. The Godfather Part II
12. Goodfellas
13. The Silence of the Lambs
14. One Flew Over The Cuckoo's Nest
15. Schindler's List
16. Rear Window
17. Alien
18. Saving Private Ryan
19. Night of the Living Dead
20. Taxi Driver
21. Se7en
22. Dr. Strangelove
23. The Killer
24. El Topo
25. The Empire Strikes Back
26. Tenebrae
27. Blue Velvet
28. Blade Runner
29. The Blair Witch Project
30. Braindead (Dead Alive)
31. Paths of Glory
32. Chinatown
33. Apocalypse Now
34. Raging Bull
35. Lethal Weapon
36. Reservoir Dogs
37. Rashomon
38. The Deer Hunter
39. The Terminator
40. The Usual Suspects
41. The Matrix
42. The Beyond (Lucio Fulci)
43. Mad Max
44. Seven Samurai
45. The Andalusian Dog
46. Re-Animator
47. 2001: A Space Oddyssey
48. Austin Powers
49. Rocky
50. The Shining
Independent Films and Filmakers
Ishiro Honda
--Maker of the Japanese banned classic "Matango" and various Godzilla b-movies.
Troma Films
--Purveyors of bad taste such as "Tromeo and Juliet", "Bloodsucking Freaks", and "Combat Shock".
Cheech and Chong
--Hilarious duo on audio and film. Gotta love Cheech in "From Dusk Till Dawn" with his pussy auction.
--The legend, Rudy Ray Moore.
another hit?
Monty Python
--Classic comedic delirium.
The X-Files
The X-Files
--The official page.
Rave Culture
--The one stop resource for all things in the rave underground.
Drug Culture
Hyperreal's Drug Archive
--Once again the best resource is here. Have fun.
go back to Monster Mo's Music Page
You are visitor
to visit since July 30, 1998.
This page was last updated on August 3, 1998.


text:
How Democratic is the American Constitution?
Yale University Press, 2003 - History - 224 pages
In this provocative book, one of our most eminent political scientists poses the question, "Why should Americans uphold their constitution?" The vast majority of Americans venerate the Constitution and the democratic principles it embodies, but many also worry that the United States has fallen behind other nations on crucial issues, including economic equality, racial integration, and women's rights. Robert Dahl explores this vital tension between the Americans' belief in the legitimacy of their constitution and their belief in the principles of democracy.
Dahl starts with the assumption that the legitimacy of the American Constitution derives solely from its utility as an instrument of democratic governance. Dahl demonstrates that, due to the context in which it was conceived, our constitution came to incorporate significant antidemocratic elements. Because the Framers of the Constitution had no relevant example of a democratic political system on which to model the American government, many defining aspects of our political system were implemented as a result of short-sightedness or last-minute compromise. Dahl highlights those elements of the American system that are most unusual and potentially antidemocratic: the federal system, the bicameral legislature, judicial review, presidentialism, and the electoral college system.
The political system that emerged from the world's first great democratic experiment is unique--no other well-established democracy has copied it. How does the American constitutional system function in comparison to other democratic systems? How could our political system be altered to achieve more democratic ends? To what extent did the Framers of the Constitution build features into our political system that militate against significant democratic reform?
Refusing to accept the status of the American Constitution as a sacred text, Dahl challenges us all to think critically about the origins of our political system and to consider the opportunities for creating a more democratic society.
What people are saying - Write a review
How Democratic Is the American Constitution?: Second Edition (Castle Lectures Series)のはなぴぃさんの感想・レビューUser Review - はなぴぃ - 読書メーター
7 undemocratic elements in the Framer's constitution: slavery, suffrage, election of the president, choosing senators, equal representation in the Senate, judicial power, and congressional power. Read full review
LibraryThing ReviewUser Review - mugwump2 - LibraryThing
Jim Jones lives...: The issue of how best to govern a nation is of great importance and should be explored through intellectual, logical debate. Dahl's book does not carry the weight this topic ... Read full review


text:
The Mercedes-Benz STYLO AsiaFashionFestival 2017 entered its third day at KL Gateway Mall with a vampire-inspired, gothic-themed international designers showcase, "STYLO, The Fashion Slayer" featuring awe-inspiring looks from four emerging designers and seven established designers.
There was an unmistakable element of sultriness and class in the elaborate red and black cinematic set-up despite the dark, sepulchral theme. Embracing the night's theme, some of the guests came dressed to the nines in cloaks, seductive evening gowns and sexy make-up as they mingled and moved along the STYLO red carpet.
The night began with a show by Paris-based designer, SERO with a collection incorporating the Zeitgeist – the unique spirit of the current era, into garments to draw a self-portrait of our time. Inspired by contemporary art and subculture, SERO's collection depicts layers of the most representative elements of current phenomenon onto his designs.
This was followed by a timeless and modern collection by Italy-based Japanese designer, Yojiro Kake. Showcasing his passion for western menswear, Yojiro combines modern tailoring techniques with his love of rich volume and detailed decoration, seeking visual impact. Just like children's dreams – romantic and innocent with a touch of ephemeral anxiety, Yojiro's collections are always full of surprises.
Next was a showcase of modern, feminine, sports luxe by London-based designer, Judy Wu. Wu's aesthetic highlights the strength and sensuality of all female kind with the added intricate embellishments and engineered colour blocking, balanced between artistry and wearability through an eclectic mix of fabrics.
Following that, six quirky, simplistic and chic looks were presented by designers, Tan Li Chen ( Malaysia ) and Lin Yu Bo ( China ) for Shanghai label, This Nor That.
The fashion shows then took a brief intermission with a performance by the exceptionally talented rapper Ashtin Sanjiv from local talent group Keep It Local who got the crowd bopping along with him.
The fashion shows then resumed with Artina Bordir of Indonesia who presented "Glam Indonesia", a range of casual, formal and evening wear inspired by the ocean and reflected in the handwritten indigo batik combined with recycled denim, white Garut weaving fabric and floral embroidery. Next up was Shaibal Saha of Bangladesh who showcased flowy, neutral-coloured ethnic wear and Chimmi Choden of Bhutan who showcased artistic Bhutanese-inspired designs with a modern twist. Also showcasing was Merdi Sihombing of Sumatra who showcased "eCUT/IKAT", an environmentally-friendly collection achieved with traditional weavers from the Indonesian islands; Narda's of the Philippines who introduced loose, stylish lounge tops and pants made from ikat textiles and natural fibres; Fara Mas of Iran who presented beautifully streamlined cuts and colours; and Nuansri of Thailand who showcased the natural look and feel of hand-woven and hand-knitted hemp from the villages of Mae Rim, Chiangmai.
The night drew to a close with a grand parade photo opportunity with models, designers and festival sponsors on stage.
Partners and sponsors of MBSTYLOAFF 2017 include KL Gateway Mall, Neutrogena, Auchentoshan Whisky, Mantra Rooftop Bar & Lounge, Trinidad Tobacco, Truefitt & Hill, Robb Report, Luxury Guide, Airbus Helicopters Malaysia, Fraser Yachts, A Cut Above, Keep It Local, Nestle® Kit Kat®, The International SeaKeepers Society Asia, Fashion Revolution, VistaJet, LOGO, Makeup Miracle and BIMS International.
About STYLO
Launched with Mercedes Benz in 2007 by SPB Tuanku Nur Zahirah, the Raja Permaisuri Agung and Dato' Jimmy Choo, STYLO was conceived as a fashion and lifestyle fringe event in celebration of the 10th year of F1 racing in Sepang. The first STYLO event, held in March 2008 was called the STYLO KL Fashion Festival. 5 months later, it entered Singapore with Mercedes Benz as its principal sponsor for the launch of the first ever F1 night race in Singapore and was called STYLO Singapore Fashion Festival.
Two years later it was renamed as the Mercedes-Benz STYLO Fashion Grand Prix. Subsequently, STYLO spread its wings beyond Malaysia's borders with events organised in fashion partnership with Mercedes Benz in Delhi, Mumbai, Prague and Mexico City as it celebrated the combination of speed and fashion.
Next came Jakarta and London in 2011.
In conjunction with Mercedes-Benz' 150th anniversary celebrations in 2012, Mercedes-Benz STYLO Asia Fashion Week (AFW) was born and held its first AFW concurrently as the STYLO Fashion Grand Prix.
Malaysian External Trade Development Corporation (MATRADE) and STYLO became partners in 2013 with the Malaysia Fashion Week. It is the country's first B2B fashion initiative; in 2015 Malaysia Fashion Week brought RM126 millions of soft exports to the country. The MFW runs concurrently with the AFW, bringing participants from over 17 countries to Malaysia every November.
This year, the Malaysia Formula One will no longer be held in March but in October. STYLO will be showcased as a fashion show at the evening of the Mercedes Benz Petronas F1 party.
However, in maintaining the tradition of having a fashion event every March since 2008, the Mercedes Benz STYLO AsiaFashionFestival has been created in March featuring Autumn Winter and classic collections from top Asian designers for a B2C showcase. These include accessories designers such as hair, make up, bags and shoes.
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Protect Those Precious Plants During Heat Waves
Finally the sun is out, the rains have slowed, and we can enjoy the time and energy we put into our garden in spring to prepare for a lovely summer. But when temps surge, baby, it's warm outside. Don't let all your hard work in spring wither...
Growing in a Drought: The Best Plants that Thrive with Little Water
Governor Jerry Brown announced that the California drought emergency has ended in April, but the need for water conservation is not over. "This drought emergency is over, but the next drought could be around the corner," Brown said in a statement. "Conservation must...
Sustainable Gardening in 8 Steps
In warm weather, your yard demands more use of our natural resources. The following will help you create a beautiful leisure space that is sustainable too.
8 Steps to a Sustainable Garden:
1. Hydrozone
When you create hydrozones, it means that plants with similar water requirements are planted together. Planning...
Benefit from Beautiful Plants in These 5 Areas
1. Your Office:Houseplants that do well in low light and are easy to maintain
Improve your work environment by being "under the influence of plants." Plants improve concentration, memory and productivity. Is your office dark and lifeless? We have the plant for you.Read More
Aloe Vera has Many Wonderful Uses
Easy to Grow: An Aloe Vera plant is easy to take care of. Here are just a few things to keep in mind when watering your Aloe Vera plant:
- It's much easier to overwater an Aloe Vera plant than to underwater it
- When planting into a larger pot, use a...
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As part of its five-year strategic partnership with a Connecticut public school district to design and implement a K-12 initiative to cultivate deeper levels of 21st Century Global Capacities, Studies in Educational Innovation at CPET, founded by Suzanne Choo, (PhD, 2012), Deb Sawch (EdD, 2013) and Alison Villanueva (PhD, 2013) in 2011 has been focusing specifically this year on character--what it is; what it looks like; and how to cultivate it in curriculum, instruction, assessment, and school culture, as well as how to engage the larger community.
To that end, SEI is working with district leadership and a teacher-led task force, whose responsibilities include internal and external research and outreach, to understand both the research literature and best practices around how schools and communities cultivate character. SEI is helping the task force to establish partnerships, engage in primary and secondary research, and establish protocols for enlisting and engaging their K-12 colleagues in this work. Their first public initiative was a Community Conversation for all parents and community members. In order to ground the evening in a more real-world context, SEI shared global research and their on-going work in schools that focuses on character cultivation. Parents then attended focus groups where they shared their thoughts and ideas around how schools, parents, and the larger community can work together to help nurture character in all stakeholders, not just students.
This works dovetails with SEI's global work on cultivating character in schools in Singapore and Australia. While each site approaches this work a little differently depending on country context and curricular focus, all sites believe that engaging every stakeholder--school leaders, teachers, support staff, students, parents and the larger community--is essential to any program or initiative rooted in cultivating character. One Singapore school identifies "Caring Thinking" as one of three essential thinking domains (the other two being Critical Thinking and Creative Thinking), and an Australian school focuses on character as part of global citizenship and has develop programs both within and beyond the curriculum that offer students opportunities to engage in service learning and internships.
Three recent TC Alumni and members of the New Teacher Network at Teachers College (Tallie Diamond, David Baksh, & Allison Addona) have been participating in a series of workshops presented by the Center for the Professional Education of Teachers to develop and implement writing units that take their students' work out of the classroom and into a book. Representing schools from Manhattan, Brooklyn, Bronx, and Hoboken, New Jersey -- student-authored texts from the Re-imagining Assessment workshop will culminate in a book launch in June 2015, at Teachers College. All are welcome to join the celebration and hear the students read from their texts.
Congratulations to these three alumni for paving the way for meaningful projects in your first year of teaching!
Wednesday, April 22nd
Teachers College - 152 Horace Mann
RSVP Required
Dr. Roberta Lenger Kang, Initiative Director at CPET, will be the guest speaker for TC's Casual Conversation series. She will be sharing her experience with leveraging mandates during an era of accountability, and will touch on the implications of city, state and federal mandates like high stakes assessments, Common Core standards, and teacher evaluations.
Come with your questions, concerns, and innovative ideas for a productive conversation about the current challenges facing schools today!
To RSVP: If you have a Teachers College/Columbia email address, click here. All others please email TC directly at email@example.com.


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Mar. 6 Mar. 13 Mar. 20 Mar. 27
Discussion about the Iron Chef competition 3-6-10 Top of page
2 1/2 pounds lean ground beef
1 cup water
1/2 cup tomato sauce
1/3 cup ketchup
1/2 tablespoon salt
1/2 tablespoon pepper
1 tablespoon white sugar
1 tablespoon chili powder
crushed red pepper flakes to taste
Crumble ground beef into a Dutch oven over medium heat. Stir in water, and mash ground beef thoroughly with a potato masher. Stir in tomato sauce, ketchup, salt, pepper, sugar, and chili powder; bring to a boil. Reduce heat to low; simmer, 60 to 90 minutes, until the sauce reaches a medium consistency that is not too soupy.
CAKE-OFF and HOME SHOW 3-13-10 Top of page
Winner of the Cake off was Kathy Dietz
ASIAN TOFU SALAD 3-20-10 Top of page
3 tbsps. canola oil
2 tbsps. rice vinegar
1 tbsp. honey
2 tsps. reduced-sodium soy sauce
1 tsp. toasted sesame oil
1 tsp. minced fresh ginger
1/2 tsp. salt
1 14-ounce package extra-firm, water-packed tofu, rinsed, patted dry and cut into 1-inch cubes
8 cups mixed salad greens
2 medium carrots, peeled, halved lengthwise and sliced
1 large cucumber, chopped
Whisk canola oil, vinegar, honey, soy sauce, sesame oil, ginger and salt in a bowl. Place tofu and 2 tablespoons of the dressing in a large nonstick skillet. Cook over medium-high heat, turning every 2 to 3 minutes, until golden brown, 12 to 15 minutes total. Remove from heat, add 1 tablespoon of the dressing to the pan and stir to coat. Toss greens, carrots and cucumber with the remaining dressing. Serve immediately, topped with the warm tofu.
2 eggs, beaten
2 1/2 cups sugar
2 tsp. vanilla (goes in sauce)
2 cups milk
4 cups homemade biscuits, crumbled
1 stick butter (goes in sauce)
Brown or white sugar to sprinkle on top
1 c. sugar
1 c. water
2 tbsp. cornstarch
Combine all ingredients except butter in a large bowl; mix. Pour into baking dish. Cut butter in thin slices over top. Sprinkle with a little sugar. Bake for 35 minutes at 350°. Serve hot right from the oven or with sauce. Combine sugar, cornstarch and water in saucepan; cook until thick. Remove from heat. Add vanilla and butter. Spoon over to serve.
HEALTH BREAD (Noel's grandmother 1-24-09, requested, didn't give) 3-20-10
1 cup oatmeal
1 cup whole wheat flour
1 cup all bran
1 tsp. salt
3/4 cup sugar
1 egg
1 tsp. soda in 1 cup of sour or butter milk
1 cup raisins, plumped (put in water to plump them)
Mix all ingredients until just blended. Put in loaf pan and bake for 1 hour at 350°. When removed from oven, slice and put a thin layer of butter and a slice of cheddar cheese and wrap in waxed paper.
5 pounds raspberries
juice of 2 lemons
5 cups honey
Cook raspberries with lemon juice until tender and quite mushy. Add honey. Blend until well blended. Boil hard for 20 minutes, stirring constantly. Cool slightly. Pour into sterilized jars.Put 1/4 inch paraffin wax on top.
1 cup sifted unsweetened cocoa powder
1 pkg. regular powdered fruit pectin
4 1/2 cups crushed red raspberries
8 tbsps. lemon juice, bottled not fresh
6 3/4 cups sugar (or 3 cups honey and 3 3/4 cups sugar)
2-3 tbsps. ground pasilla chili powder
Sterilize jars. In medium bowl combine cocoa powder and pectin, stir until blended and set aside. In a large saucepan, over low heat combine raspberries and lemon juice. Whisk in pectin and cocoa mixture until pectin is dissolved. Raise to medium high heat and bring to boil. Add sugar all at once, stir and return to full rolling boil for 1 minute, stirring constantly. remove from heat and skim off foam. Add chili powder. Ladle hot jam into hot jars, leaving 1/4 inch headspace. Remove bubbles from jar with knife and add more jam if needed. Wipe rims and cap. Process for 15 minutes.
2 tablespoons olive oil, divided
1 large yam, peeled and cut into 1 inch pieces
1 large parsnip, peeled and cut into 1 inch pieces
1 cup baby carrots
1 zucchini, cut into 1 inch slices
1 bunch fresh asparagus, trimmed and cut into 1 inch pieces
1/2 cup roasted red peppers, cut into 1-inch pieces
2 cloves garlic, minced
1/4 cup chopped fresh basil
1/2 teaspoon kosher salt
1/2 teaspoon ground black pepper
Preheat oven to 425°F (220°C). Grease 2 baking sheets with 1 tablespoon olive oil. Place the yams, parsnips, and carrots onto the baking sheets. Bake in the preheated oven for 30 minutes, then add the zucchini and asparagus, and drizzle with the remaining 1 tablespoon of olive oil. Continue baking until all of the vegetables are tender, about 30 minutes more. Once tender, remove from the oven, and allow to cool for 30 minutes on the baking sheet. Toss the roasted peppers together with the garlic, basil, salt, and pepper in a large bowl until combined. Add the roasted vegetables, and toss to mix. Serve at room temperature or cold.
10 slices bread
4 eggs
1 cup sugar
5 cups milk
pinch salt
1 tsp. vanilla
1/4 tsp. nutmeg
1/2 cup raisins, optional
Spray or butter a 9x13" pan. Cut or tear bread and put in pan. Mix remaining ingredients. Pour over bread and add raisins if desired. Bake at 325° for 40-60 minutes or until knife inserted in center comes out clean.
1/2 cup sugar
1 tbsp. corn starch
1 cup boiling water
1 pinch salt
2 tbsps. butter
2 tbsps. lemon juice
Mix sugar and corn starch together and add boiling water and salt. Boil until thick and clear. Beat in butter and lemon juice.
Fix a pork roast and add parsnips in with it when you cook it.
CANNED CASSEROLE (MACARONI AND CHEESE) 3-27-10 Top of page
1 can creamed corn
1 can whole corn, drained
1 can macaroni
1 can cubed velveeta cheese
1 can milk
1 stick margarine or butter
Mix together ingredients. Bake uncovered
for 1 hour at 350°. Stir before serving. Can be done in the microwave
or crockpot. Can also add 1 pound hamburger.
RHUBARB CONSERVE (may/jun75pg3, didn't give) 3-27-10
4 cups diced rhubarb
1 cup canned sour cherries, pitted and drained
1 cup diced pineapple, drained
¼ cup lemon juice
¼ cup orange juice
4 cups sugar
In heavy saucepan, cook over low heat, stirring frequently, until thickened (about 1¼ hours). Pour into jars and seal.
Rhubarb Conserve (Rest of the Best of the Openline pg 61, didn't give) 3-27-10
Cook 2 heaping cups finely chopped rhubarb, 2 large oranges (peeled with sections cut in small pieces), grated rind of 1 orange, ½ cup pineapple, and 2 cups sugar over low heat until as thick as desired. (Caroline Berends, Monticello, Iowa)
2 pounds rhubarb
1/4 cup water
5 cups sugar
2 oranges, seeded and finely chopped
1 lemon, seeded and finely chopped
1 cup raisins
1 1/4 tsps. mace
2 pouches liquid pectin
1/2 cup walnuts
Prepare rhubarb and dice. Combine rhubarb and water in large saucepan. Simmer 2 minutes. Add sugar, oranges, lemons, raisins, and mace. Stirring until sugar dissolves. Bring to rolling boil over medium high heat. Stir in liquid pectin. Return to boil. Boil hard for 1 minute, stirring constantly. Remove from heat. Stir in walnuts. Ladle hot conserve into hot jars leaving 1/4 inch headspace. Remove air bubbles. Adjust 2-piece caps. Process 10 minutes in a boiling water canner. Yields 7 half-pints.
5 pounds rhubarb
8 cups sugar
3 cups vinegar
2 oranges
1/2 tsp. cloves
1 tsp. cinnamon
2 cups seedless raisins
2 cups walnuts
Wash rhubarb and cut in pieces. Cover with boiling water. Allow to stand 3 minutes, and drain. Add sugar, vinegar, grated rind of the oranges, juice of oranges, raisins cut in pieces, cloves and cinnamon. Cook slowly until thick. Add nuts and pour into sterilized jars and seal while hot.
RED CABBAGE SALAD (Rolhes Kraut mar/apr76pg4, didn't give) 3-27-10
1 small head red cabbage, shredded
1 cup thinly sliced apple
½ cup water
2 Tbsp. vinegar
2 Tbsp. butter
1 tsp. salt
½ cup grape or currant jelly
Combine all ingredients. Boil, covered, for one hour. Cool and serve.
AMANA RED CABBAGE SLAW (jun63pg3, didn't give) 3-27-10
3 cups water
1 tablespoon salt
1 cup sugar
1 cup vinegar
Bring to a boil. Let cool. Pour over shredded cabbage. Serve cold.
1/2 head red cabbage
1/2 cup vegetable oil
1/2 cup + 2 tbsps. red wine vinegar
3 tbsps. sugar
2 tsps. salt
1 tsp. lawry's seasoned salt
1/4 tsp. black pepper
3/4 tsp. onion powder
Shred half of the cabbage finely and the other half coarsely. Place in a large bowl. Whisk together vegetable oil, red wine vinegar, sugar, salt, seasoned salt, black pepper, and onion powder. Toss the dressing with the cabbage. Scrape the salad with the dressing into a zip-top bag or covered container and refrigerate at least 48 hours or until cabbage turns deep red, softens a bit, and flavors meld. It's even better after 4 or 5 days. This red cabbage salad and a green salad with a creamy blue cheese buttermilk dressing are served together as a duo along with garlic cheese bread.
Click here to go to the next month of radio recipes.
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저자 : 여홍구
AbstractⅠ. 서론Ⅱ. 소도시 중심시가지의 특성Ⅲ. 대상지역 분석Ⅳ. 결론인용문헌
This paper examined the urban spatial characteristics of 41 small towns in Korea in order to determine traditional urban patterns of small towns. A survey for road and land use patterns of three small town groups began in 1980 and continued in five-year intervals until 2000. In Group Ⅰ, it is clear that a loosely-structured style of the urban area and 「-」 shape road patterns are generally prevalent. Furthermore, markets tend to be located in areas where there are many real and / or potential urban activities agglomerated. In Group Ⅱ, some tertiary activities are found in small towns with an increase in service activities prompting an increase in 「T」shape road patterns and a slight expansion of the urban area. The social and economic sector of the urban activities includes a somewhat wide diversity of tertiary jobs, which involve the provision of services and which, as a result, tend to be found in residential settlements. In GroupⅢ, flexibility of urban activities on various social and economic levels has lead to the transformation of small towns. The horizontal spread of urban facilities and grid pattern of roads can be seen within towns in the relative separation of land use.
저자 : 여홍구, 임종훈
AbstractⅠ. 서론Ⅱ. 사례대상지Ⅲ. 평가체계Ⅱ 고찰Ⅳ. 사례분석을 통한 문제점Ⅳ. 결론인용문헌
With the introduction of the new "National Law on Land Planning and Use", land suitability analysis became an important and essential tool for urban planning. It is a kind of an assessment method for land"s hierarchy based on the parcels with various database including spatial data and attribute data of parcels. Land suitability assessment started in January 2003, and revealed many problems to date. This study shows the way to solve the problems for better system, focused on physical environment data, urban structure related data, planning system and information system. This study aims to improve the land suitability assessment with real cases focused on "Assessment System Ⅱ". The final results from land suitability assessment are utilized as basic data for city master planning and city management planning, and thus it must be finished before starting the actual planning.
저자 : 최문수, 여홍구
AbstractⅠ. 서론Ⅱ. 토지적성등급 판정의 문제점Ⅲ. 사례연구Ⅳ. 결론 및 제언인용문헌
Land Suitability Assessment(LSA) is operating to prevent unplanned development of non-urbanized area and lead balance of development and conservation. But various problems of LSA are appeared because there aren"t enough experience of operation. Especially, the need of improving assesment methods is brought up. The purpose of this study is to show the new classification methods in LSA. Therefore, in this study we compared and analyzed land suitability grades between applied and unapplied conservative priority grade in a case area. The result of this study showed that it would happen to be the skewed grade in the conservation area in the case of general grading method. We reached the reasonable result that, in the classification, the assesment without conservative priority grade is more balanced than the standing rules. So the new ways excepted conservative priority grading will be useful in the autonomy that has many conservation area like a restrict zone.
저자 : 지남석, 여홍구
AbstractⅠ. 서론Ⅱ. 소도읍 관련연구의 동향Ⅲ. 분석의 틀 설정Ⅳ. 소도읍 중심부의 입지시설 분포변화 분석Ⅴ. 소도읍 중심부의 토지이용 변화 특성 도출Ⅵ. 요약 및 결론인용문헌
The primary objective of this paper is to survey land-use patterns of small towns and to analyze their urban spatial characteristics. This study is based on land-use data of two decades(1985, 1995, 2005), and includes surveys of various types of urban activities in 39 small town centers. In the main analysis of this paper, small town centers are divided into some areas, based upon their location and accessibility. The research results determined that there are changing characteristics of land uses in small town centers, and that each facility in the center areas tend to have a particular location. Based on the results of this study, this paper suggests the creation of new plans that focus on the development small towns more efficiently, and higlights the need for more effective Land-use policies.
저자 : 김재현, 김채련, 여홍구
AbstractⅠ. 서론Ⅱ. 선행연구Ⅲ. 분석모형 및 변수의 특성Ⅳ. 토지이용패턴 결정요인 실증분석Ⅴ. 결론인용문헌
A residential area, which can account for the highest area ratio of a city, can have a great effect on the formation process of land use patterns. The special feature of the land use pattern in a single-family area of New Town is the excessive mixture of commercial use, which may cause negative external effects including deterioration of the residential environment and a decline in hosing prices. The objective of this study is to examine the degree and tendency of the influences of the 14 determinants by three models which are subway-zone, quasi-subway-zone and non subway-zone in type, using the multinomial logistic regression. The analysis is made by the types of commercial uses and the formation process of single family areas. The study results indicate the alternatives for improving single family areas should be proposed, considering the types of commercial uses and spatiotemporal conditions of single family areas in a New Town.
저자 : 여홍구, 김은종
AbstractⅠ. 서론Ⅱ. 토지이용계획에서 친환경적 요소에 대한 논의Ⅲ. 개발 및 환경 관련 법률의 변천의 특징Ⅳ. 환경정책변화에 따른 공공택지개발 사업의 토지이용 구성의 변화Ⅴ. 결론인용문헌
This study investigates how the laws and the policies concerned with the development and the protection of environment have influence on land use planning of public housing complexes development in Korea. According to the typical land use theory, as the time goes on, the proportion of land used for high productivity or high value like commercial and residential area has increased while the proportion of land used in lower productivity like park and green open space has decreased by the principle of demand and supply because of the character of land such as immovability, unproductivity and heterogeneity in the course of natural urban growing-up. On the other hand, the proportion of park and green open space may increase for improvement of life-quality level in accordance with the elevation of income level. In spite of that the velocity and the scope of rising proportion may go slow down if there is no regulation on land use. However, the laws and the policies concerned with the development and the protection of environment in Korea make the proportion of the residential area decrease and the proportion of park and green open space increase in reality.
AbstractⅠ. 서론Ⅱ. 개발ㆍ환경 관련 법령 등의 변천Ⅲ. 환경영향평가 제도의 변화 분석Ⅳ. 공원ㆍ녹지 계획수립에 영향을 미치는 요인 분석Ⅴ. 결론인용문헌
This study investigates what factors of environment impact assessment have influence on park and green open space planning of public housing complexes development in Korea. By the end of 1970"s, the proportion of park and green open space was remained only about 3% in land use planning of most projects. However, this trend has gradually changed from the early part of 1980"s and the proportion of park and green open space showed about 13% in 2000"s. This change has been taken place along with the needs of the times, but it was judged that it has been mainly influenced by the laws and the policies concerned with the development and the protection of environment. Among these laws and the policies, environment impact assessment has influenced on park and green open space planning. There are many factors in environment impact assessment. The factors that have influence on park and green open space planning among them are the opinions concerned with the protection of green open space, the securing of park land, and establishment of noise/vibration prevention measure.
Copyright@대한국토·도시계획학회. All Rights Reserved.


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I grouped 5 layers in photoshop 2015 but was not finished working on the file. I am not able to now ungroup the file to make edits! "ungroup layers" is not selectable. Is there some other way to ungroup layers? Besides the obvious?
Select the the group you want to ungroup, not the layers inside the group.
This still didn't work, I'm not sure what I did here! I truly appreciate the feedback though!
I am using shortcut CTRL + SHIFT + G a lot. It's very fast. And you can repeat fast and few times if you have multiple nested groups. And as Jeffreey said... group layer must be selected.
My guess is that you mean the file got "flattened" instead of "grouped" and that's why you can't ungroup the layers, because they all merged and became one. Are your layers inside of a set now that is shown by a folder icon in your layers palette? Do you see a folder icon in the stack of layers? See below the attached image.
Or, did all of those layers turn into one layer named "Background" or something else?
Or, did all of those layers turn into one layer named "Background" or something else?


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Aaron & YoungKey
Aaron & YoungKey
Race of child interested in adopting: No Preference
Gender of child interested in adopting: No Preference
Family Type: LGBT
Children: No
State we live in: VA
Religion: Jewish/Christian
Dear Expectant Mother,
We don't know the circumstances that brought you to this moment, but we want you to know how profoundly grateful we are that you are considering us: two guys – madly in love, who want more than anything to have a family of our own. We've both worked hard our entire lives, but there's no amount of work that can produce this miracle of birth. If you choose us, you would make an impossible dream come true.
If you choose us, here's our promise to you: your child will be nurtured and embraced always. Your child will have every opportunity to play, to explore new places, to test new skills, and to pursue every passion. Your child will be challenged to reach his or her potential. He or she will be allowed to make mistakes, and we will show him or her how to get back up after every fall. Your child will be encouraged to keep an open heart, to be a kind and generous friend, and to become a champion for all. In our big and inclusive family, your child will know love.
We are deeply committed to open adoption. If you choose us, we want your child to know the true story of our family, which includes your story. Our child will know how brave you are. If you will allow us, your child will know it was you who chose us to be the luckiest parents in the world.
About Us
YoungKey is motivated, fun-loving, and mature. He's a primary care doctor, and he plays piano and violin. Aaron is goofy, compassionate, and organized. He is the legal director of a non-profit organization that promotes global health policies. We both love to travel and have friends all over the world. YoungKey has served on medical missions in Peru, Guatemala, and Mozambique. Aaron has worked in more than 50 countries. We actually met through a website called Couchsurfing where locals let visitors stay for free. In 2012, YoungKey needed a place to stay while attending a medical conference in Washington DC, and he found Aaron through Couchsurfing. We liked each other immediately and we've been together ever since. We both have a passion for cooking and eating great food (Aaron loves spicy food, YoungKey does not), photography, staying fit, and Pixar movies.
Our Home
Our home is a sanctuary – a peaceful retreat from the crazy world. We live in a suburb of Washington, D.C., with Olive, our fifteen-year-old puppy. Olive might be an older dog, but she is super sweet and has enough energy to jump onto the bed for cuddles. We have a wonderful home near some of the best public schools in the country, in a safe, diverse, and friendly neighborhood. We love our neighbors, and they like to stop over for game nights or BBQs on the porch. Our neighborhood is really walkable, and we like to enjoy the restaurants, bike trails, and beautiful parks (one has a huge waterfall). It is hard to get too far because everyone stops to pet Olive!
Our Extended Family
Our families both value education and hard work, but otherwise they are very different. Aaron's family is big and loud, while YoungKey's family is more conservative. Aaron grew up in Seattle with a little brother and sister who still live out west with their own families. Aaron's Dad is a doctor and his Mom volunteers at Temple. He grew up Jewish, but his family has grown to embrace many different religions and cultures. Aaron's parents live next to Disneyland with a view of the beach, so we meet up there several times a year for fun and adventure.
YoungKey's family immigrated from Korea when he was two years old. He grew up outside Detroit with one little sister. His family is devoutly Christian and his mom plays the organ at their church. His dad is a robotics professor and they had a robotic dog growing up.
What Led Us To Adoption
Family is important to us and we feel that adoption is the best answer to grow our family. On our first date, we talked about our dreams of having children. YoungKey gets to see kids every day at his medical practice, and we adore our niece and nephew. Several of our friends have adopted adorable children, and we want a little one (or two) of our own. We are so excited by the chance to raise a newborn baby. We can't wait to love and support him or her unconditionally throughout all the phases of its life – even changing poopy diapers!


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You may not be able to sign in to Windows Live Messenger because of a problem with your DLL file or the XML parser.
To resolve this issue, try the following:
Reregister the Msxml3.dll file, wait a few minutes, and then try to sign in to Messenger again.
In Windows XP, click Start, click Run, type cmd, and then press ENTER.
— or —
In Windows Vista, click Start, click in the Start Search box, and then type command prompt. Under Programs, right-click Command Prompt, and then click Run as administrator.
- Type %windir%\system32\regsvr32 %windir%\system32\msxml3.dll, and then press ENTER.
- Type exit, and then press ENTER.
If you still can't sign in to Messenger, reinstall the XML Parser, wait a few minutes, and then try to sign in to Messenger again.
- Visit the Microsoft download website for XML Parser.
- In the section for msxml3.msi, click Download, and then choose to save the file to your computer.
- Locate the Msxml3.msi file on your computer, and then double-click it.
- Follow the on-screen instructions.
- If you still can't sign in to Messenger, restart Messenger, and then try to sign in again.


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In case you missed them, here are the highlights of last weeks' news:
IMSS turned 75 years old. Congratulations!
Novartis reiterated its commitment to invest in Mexico.
The XXIII National Week of Information Against Alcoholism "Sharing Efforts" was celebrated from Jan. 15 to Jan. 21 across the country. This campaign aims to raise awareness of the dangers of alcohol, especially among the younger population.
Scientist develop new blood test that can detect 8 types of cancer.
Pandion Therapeutics announces US$58 million investment for the development of bispecific antibodies
Google backs British company searching for universal flu vaccine with US$27 million.


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Here are some tips you can follow to clean your chimney. Begin by checking the part where wood fire. You should Cleans well, look with a flashlight or some object that allows you to enlighten, the interior of the chimney pipe. Remove with a knife or some sharp object any residual soot or anything that could even cause fire once you light the fire. Verify that no bird has made a nest, nor any other animal are using your fireplace as housing. You can do this up to the roof and checking that there is no settlement.
If you found something, you can simply delete it. If you need a good cleaning on the inside, it's time to take action. You'll have to get a special brush that pass through the interior of the chimney pipe and enough sticks or pipe to mount. Look how tall and have the tool list, long enough for you to clean the entire surface smooth. It is very important that the brush is the width of a chimney pipe. Otherwise, all the walls of the same will not be thoroughly cleaned. And you are clean is the first attempt to get in action.
Now discourses about some safety procedure. Now touch you leave the house in order as possible. Clear the area of objects that cannot get dirty, tattered clothes used to have, cover your head, your eyes and your face. Obviously wait for it to come a time of dirt, but dirt needed for the fireplace then pull the best. Also cover your furniture or objects that do not want to get dirty: the soot is fatal. A cleanse is said that Begins from above or from below as best you stay with chimney cleaning. You should use brush engine with the length that can cover the entire stretch that goes from the beginning to the end. Carefully remove all the soot and then check with a flashlight that have not been vestiges of danger.


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Where to Live: Las Cruces, NM
Is Las Cruces calling you? Take a look at some of the city's top spots.
Quick Facts about Las Cruces
Located in Southern New Mexican, Las Cruces lies on the edge of the Chihuahuan Desert, at the foot of the Organ Mountains, and along the banks of the Rio Grande. The climate here is warm and sunny and on average enjoys 350 days of sunshine every year. The town has been voted one of the best places to retire by AARP and Forbes. It has also been voted the best place to live for families by Family Digest. Keep reading to find out what makes Las Cruces, Las Cruces.
Top Neighborhoods
If you're undecided about where to live in Las Cruces, check out the top neighborhoods.
If you're hungry in Las Cruces, enjoy some authentic Mexican and Southwestern cuisine or fine dining at a local winery.
Las Cruces has a lively arts culture, with many museums combining topics such art, history, science, and nature.
Outdoor Recreation
Enjoy a hot sunny day in Las Cruces playing golf, exploring trails, or seeing prehistoric monuments.
If you'd like to enjoy a night out, stop at one of Las Cruces authentic Cantinas or night lounge.
School Districts
Here are Las Cruces' best schools to send your children.
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Each of the business development managers will be supported by a sales support adviser who will handle queries and trouble-shoot problems when BDMs are unavailable.
Nationwide says it also has a dedicated team of telephone-based business
development advisers who will concentrate on intermediaries based in
more remote geographic locations.
The sales force will be headed up by head of sales Ian Andrew who joined last year from Northern Rock.
Nationwide group executive director Matthew Wyles says: "At a time
when some lenders are pulling back, Nationwide is renewing its long-term
commitment to the intermediary market. The new sales force is part of a
broader initiative which also includes a review our mortgage processes
to make them more broker friendly and a slick new online system."


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- Members
- Discover Jonesboro
- Economic Development
- Your Chamber
- Leadership Programs
Action, Inc. Holds Grand Opening
Submitted by svance on Fri, 11/08/2013 - 14:06
Action, Inc. recently held a grand opening at 105 CR 402. Action, Inc. is one of the largest mechanical contractors in Arkansas and the surrounding regions. They enjoy continued growth and an excellent reputation for providing quality work at a competitive price. For more information visit their website at www.action-mechanical.com.
Recent Posts
- Farmers Insurance Perry Winn Holds Grand Opening
- Natural State Brick Company Holds Grand Opening
- Library Market Holds Grand Opening
- Nectar Marketing Holds Grand Opening
- Telecomp Holds Ribbon Cutting
- Bare Fit Holds Grand Opening
- Downtown Jonesboro Reveals Latest Mural
- Home Place Furniture Holds Ribbon Cutting
- Jonesboro Recycling Team Holds Ribbon Cutting
- Rhyno Car Wash Opens In Jonesboro
- Kharis Grants Holds Ribbon Cutting
- Adams Pest Control Holds Ribbon Cutting
- Illumination Day Spa Holds Grand Opening
- The Country Liquor Store Holds Ribbon Cutting
- Style Encore Holds Grand Opening


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Company Overview
Sapphire Professional Services Pvt. Ltd. Is a boutique financial advisory services firm headquartered at Mumbai. While recently incorporated, our team has a combined experience of 90-100 man-years across industry sectors and activities relating to divestment, acquisition, fund raising (both debt and equity), valuation and structured finance. Sapphire has at its focus industry sectors such as Entertainment & Media, Hospitality & leisure, Healthcare, IT/ITES and selected industrial and consumer areas.
At Sapphire, our endeavor is to create value for our clients. By our access to knowledge, data and skill-set, our delivery is speedy and cost effective. Our clients range from early stage startups and privately held small firms to large multinational corporations and private equity funds. Early stage ventures and privately held small companies have unique requirements ranging from assistance in strategy development, organization structuring, financing, succession planning and tax advice. With an emphasis on individual attention and quality service, we focus on the varying specific and general needs of these enterprises and their owners, either through our own team or through strategic partners who work with us to provide these services.
We work mainly with mid-market and high-growth companies with a view to taking them to the next level in the hierarchy by providing the most appropriate and viable solutions. Each transaction at Sapphire is headed by a partner to give it a more personalized touch, which in turn maximizes the chances of successful closure. Our typical deal sizes are from Rs 25 crores to Rs 500 crores within the identified sectors.
Our objective is to be at the forefront of deal services in India as well as identified cross border territories in the mid-market space. Emphasis will always be on meaningful advice, which is implementable and cost effective.
Practice Areas
Buy/Sell Side Advisory
Private Equity Placement/Advisory
Structured Finance
Strategic Advisory
Contact Us


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mobile - desktop
3 months for $50.00
News & Events:
Posted by arpk on February 27, 2003 at 12:23:40:
In Reply to: exact wording--please change!!! posted by Pennebaker on February 26, 2003 at 11:47:13:
Why don't you supply some substantive information instead of criticizing a petition that was deveoped over 2 years ago. Provide a rewrite for Richard or provide details or prepare your own letter.
That's what I'm going to do.
to want to ban them all!!!!!
::I have to say that wording in the proposed letter to your


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Howard Plummer, Senior Pastor
Howard Plummer has served as the Senior Pastor of HCN since 1995. Howard is a graduate of Trevecca Nazarene University and Fuller Theological Seminary. He identifies himself as a preaching pastor. He loves the written and living Word, the mission of God, and people.
Howard is married to Anna, a pediatric/post-op nurse. They have four children: Kelly and her husband, Roger; Brady and his wife, Michelle. Kelly and Roger have one son, Rhett. Brady and Michelle have three children: Kennedy, Leyton, and Nolan. They all live in Middle Tennessee, attend and serve at HCN, and eat Sunday lunch together. Email
Carol Waller, Executive Pastor
Carol Waller serves as Executive Pastor at HCN. In this role, she oversees all administrative and operational aspects of the church to ensure the vision & mission of HCN are accomplished. She is an Ordained Elder in the Church of the Nazarene and a graduate of Trevecca Nazarene University and Vanderbilt University. She is a native of Middle Tennessee.
Carol is married to Michael Waller and they have four children: Anna, Sara, Becca, and Lucas. Michael is an electrical engineer at REI in Cookeville. They have raised their children at HCN and consider it a privilege to serve in their home church. Email
Hunter Steinmetz, Senior High and College Pastor
Hunter Steinmetz serves as the high school and college pastor at HCN. Hunter is a child of HCN. He is a graduate of Trevecca Nazarene University with a bachelor's degree in pastoral ministry. He began an internship with the NextGen Team in 2013 that led to him becoming the middle school pastor in 2014. In the spring of 2015, he became the high school pastor. Hunter is a mission-minded, discipleship-driven, and Spirit-led follower of Christ and calls his students to be the same. Email
Kristi Mabry and Nolan Magee, LiveWire Pastors, Nick Groover B1 Assistant
Our LiveWire Ministry Team is composed of Kristi Mabry and Nolan Magee. Nick Groover serves as our B1 Assistant. Nolan and Nick are students at Trevecca Nazarene University and have both served within youth ministries here at HCN. Kristi Mabry has served as the ministry assistant in elementary ministries here at HCN. All three have a great love for Jesus, His church, and the next generation and long to see their students participate in a dynamic relationship with Jesus that transforms their entire lives. Email
Kayla Smith, Children's Pastor
Kayla Smith serves as the pastor to families with children from birth through fifth grade. She holds degrees in special education and in organizational leadership from Trevecca Nazarene University. Kayla is married to Eric, who assists in worship ministry at HCN and serves as the Audio/Visual Director at Trevecca Nazarene University. Eric is also an ordained elder in the Church of the Nazarene. Both Eric and Kayla love the Church and are happy to use their gifts in ministry however they can. Email
Ramón Gonzalez, Hispanic Ministries Pastor
Ramón leads our Hispanic Congregation here at HCN. He is a gifted communicator with a heart for evangelism. Ramon desires that our Hispanic neighbors find HCN to be a place where they can worship and be disciple in Christ. His is married to Alma Rosa and dad to Diana and Isaac.
Sam Green, Worship Pastor
Sam Green has served as Pastor of Worship at HCN since 2004. He oversees the preparation of the weekly and seasonal worship music for the choir and the band. As a professor at Trevecca Nazarene University, Sam currently serves as Director of the Center for Worship Arts and Director of Undergraduate Research. Sam has an earned doctorate in Administration and Supervision from Tennessee State University and an Advanced Certificate in Worship Studies from the Robert Webber Institute for Worship Studies.
Sam is married to Keli and they have three daughters and two sons-in-law: Isabella, Anna-Laura and Cody Garrow, and Sophie and Topher Davison. Sophie and Topher have one daughter, Mia. Keli is the Performance Improvement Coordinator at Centennial Medical Center. Email
Jon Nelson, Young Adult Pastor
Jon Nelson serves as the pastor to individuals who range from college age to early thirties. He has been involved in ministry from an early age because of his passion of teaching and serving others. He holds a B.A. degree in Mathematics Education from Olivet Nazarene University. He also teaches part time at McGavock High School. Jon is married to Cassidy who also serves as a small group leader at HCN for teenage girls and is currently a counselor for Rest Stop ministries. They have three young children Nora, Caya and Eden. The Nelson family not only loves to serve the community at HCN but loves to be a part of it. Email


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ECHO PARK — The $9.4 billion acquisition that will bring the Walgreens and Rite Aid drug stores under one corporate roof has raised a lot of questions, including whether the deal will mean eventual store closures and layoffs. In Echo Park, the Walgreens at Sunset Boulevard and Echo Park Avenue is only a short walk from the Rite Aid on Glendale Boulevard. Can those two stores be expected to remain open in the long run?
It's too early to tell, according to industry analysts. The two chains combined operate more than 1,200 stores in California alone. Both companies also operate rival stores in Eagle Rock, but they are not as close together as those in Echo Park.
Officials at Walgreens Boots Alliance, which is buying Rite Aid, have declined to say if any stores will be closed or might have to be sold under the pressure of government anti-trust regulators, according to the L.A. Times. All that Walgreens will say about the future of the stores is that "decisions will be made over time regarding the integration of the two companies" and that the firm "plans to further transform Rite Aid's stores to better meet consumer needs."
Both chains will continue to operate under separate names, and for, now, shoppers will still be able to buy Thrifty brand ice cream at Rite Aid.
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Leicester Tigers skipper Ed Slater will captain the England midweek team against the Crusaders in Christchurch on Tuesday.
England named a team of largely fringe players to face the Crusaders, with coach Stuart Lancaster looking to ensure all his touring party receive game-time in New Zealand.
Slater will captain a starting XV against the seven-time Super Rugby champions which features only one player, flank James Haskell, who has started a Test during the New Zealand tour.
Slater is one of four senior England debutants – along with Northampton Saints prop Alex Waller, Gloucester centre Henry Trinder and Bath wing Anthony Watson.
Christchurch-born Michael Paterson, a former Crusader, is named on the replacements' bench.
"Ed is a natural leader who has captained Leicester well and I am sure he will do the same with this England side," the England coach said.
While Lancaster insisted "we are treating this as like an additional Test", the selection indicates he is aiming to develop depth in his squad for the 2015 World Cup while retaining his first-choice players for the final Test in Hamilton on Saturday.
"This is a really important match for us in terms of the development of our squad," Lancaster said
"We wanted this game to test ourselves against a top Super Rugby side and with a large squad out here we are hoping to create opportunities for everyone to lay down a marker on this tour.
"We can see by how they have trained that they can't wait to pull on an England shirt."
Crusaders coach Todd Blackadder said the city was "buzzing" to be hosting England, who were due to be based in Christchurch during the 2011 World Cup but had to relocate after the city's main ground was destroyed in the quake.
"Local rugby fans were gutted when the earthquakes took away our opportunity to host England at the last Rugby World Cup, so it is fantastic to have the chance to host them now," he said.
"We know the England team particularly wanted to make the effort to play in Christchurch while they were here and we are very grateful for that."
England: 15 Alex Goode, 14 Ben Foden, 13 Henry Trinder, 12 Brad Barritt, 11 Anthony Watson, 10 Danny Cipriani, 9 Lee Dickson, 8 Tom Johnson, 7 Matt Kvesic, 6 James Haskell, 5 Dave Attwood, 4 Ed Slater (captain), 3 Henry Thomas, 2 Joe Gray, 1 Alex Waller.
Replacements: 16 David Ward, 17 Nathan Catt, 18 Kyle Sinckler, 19 Michael Paterson, 20 Richard Wigglesworth, 21 Stephen Myler, 22 Jonny May, 23 Chris Pennell.


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UPS Completes Acquisition of Marken
UPS has announced that they have completed the acquisition of Marken, a global provider of supply chain solutions to the life sciences industry and leader in clinical trials material storage and distribution. The transaction makes Marken a wholly owned subsidiary of UPS and provides UPS with growth opportunities across the life sciences customer base.
"Healthcare logistics is a strategic market for UPS. Our acquisition of Marken strengthens our portfolio and demonstrates our commitment to customers and the healthcare industry," said Teresa Finley, UPS Chief Marketing and Business Services Officer. Wes Wheeler will continue as CEO of Marken, reporting to Teresa Finley.
"We are excited to join the UPS organization," said Wes Wheeler, Marken's Chief Executive Officer. "UPS's capabilities, particularly in mature markets, will provide many opportunities for us to enhance our service offerings in clinical trials logistics. With UPS, we will improve our efficiency, while continuing to provide our clients with the high-touch, personalized services that they have come to expect from us."


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What the Heck is a Sales Funnel, Anyway?Posted on
For writers, a sales funnel is probably the most important marketing tool you have. And yet many entrepreneurs – both new and established – have no clear understanding of what a funnel is or how it works.
As you can imagine, failing to fully understand this critical part of your business means fewer sales, lower profits, and ultimately, an unstable business.
A Simple Sales Funnel
At its most basic, a sales funnel consists of free content, which typically requires nothing of your readers. Many sales funnels begin with blog posts, YouTube videos, Facebook content, and other information readers can access at no cost. This is the "top" of your funnel.


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The design of a new flesh-coloured kit that makes a Colombian women's cycling team look naked below the waist has been described as unacceptable by Brian Cookson, the president of the UCI.
Photographs of the Bogota Humana team were taken at the Tour of Tuscany, showing six women wearing red and yellow kit with flesh-coloured material immediately above and below the waist. It is unclear if the team intend to wear a similar uniform next week while representing Colombia at the road world championships in Ponferrada, Spain.
After the pictures went viral on social media, Cookson tweeted: "To the many who have raised the issue of a certain women's team kit, we are on the case. It is unacceptable by any standards of decency."
Cycling's governing body later confirmed that it was investigating the issue. "The UCI will be sending a letter to the Colombian federation reminding them of their responsibility … in the control of regional and club team kits that compete in international events," read a statement.
Among some of the leading riders criticising the outfits was the former Commonwealth, Olympic and world road race champion Nicole Cooke, who tweeted: "This has turned the sport into a joke. Girls stand up for yourselves – say no."
• The Joy of Six: Scott Murray on football's worst kits
• Gallery: more of the most weird and horrendous football kits


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is there any way i can reset my Master Boot Record.
currently i have Linux 8.0, Win 2K and win 98 installed on my system.
the grub loader is in linux. it has the default option to boot in windows and then the windows boot record has the default as win 2K.
i want to uninstall win 2K and linux both but not win98. how do i reset my boot record for this.


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Simple Mashed Cauliflower
I love cooked cauliflower. My mother used to boil it and serve it with a little butter, S and P. Mashed cauliflower has become a popular alternative to mashed potatoes with the added bonus of fewer carbs and zero starch.
I came up with this simple mashed cauliflower recipe for my family. I didn't want the kids to get hung up on the appearance of the cauliflower, so I decided to leverage their affinity for mashed potatoes. My simple mashed cauliflower was a hit with three of them, and I think I can convince Johnny after a some more taste tests.
Simple Mashed Cauliflower
1 head cauliflower
1/3 pkg light cream cheese
2 tbs butter
1/2 c. – 3/4c. skim milk
S&P to taste
Get a pot of water boiling on the stove. Add 1 T. kosher salt.
Quickly remove the cauliflower from the stalk by wrapping it in a towel and banging it white side down on the counter. Then add the cauliflower to the pot and let it boil in the pot with the lid on for 12 – 15 minutes (until soft).
Add the cream cheese, butter and milk to your food processor.
Transfer the cooked cauliflower to the food processor.
Just a few taps on my food processor, and it is ready to eat!
Variations on Simple Mashed Cauliflower
Here are some additional options to dress up this recipe. It really is a great recipe to experiment with…
chopped walnuts or other nuts
cottage cheese
grated cheeses
chicken broth
sour cream/cream/horseradish
peas (fold in)
By the way, some people add some mashed potatoes to the mix to dilute the cauliflower taste/texture.
Still growing...
1 Comment
I thought it rocked! Better than potatoes…


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What's driving current mortgage rates?
Mortgage rates today are up. No other way to put it. And while we did get some modestly-influential reports, the biggest factor was probably the turmoil in Korea as the North canceled peace talks.
Housing starts and Building permits for April came in lower-than-expected but this did not affect markets much, according to CNMC. Industrial Production for April was higher than anticipated (.7 percent increase versus .6 percent increase), but previous reports were adjusted lower and economic predictions more pessimistic.Rates Below Are Averages. Get Your Personalized Rates Here. (Feb 20th, 2019)
|Conventional 30 yr Fixed
|Conventional 15 yr Fixed
|Conventional 5 yr ARM
|30 year fixed FHA
|15 year fixed FHA
|5 year ARM FHA
|30 year fixed VA
|15 year fixed VA
|5 year ARM VA
Your rate might be different. Click here for a personalized rate quote. See our rate assumptions here.
Financial data affecting today's mortgage rates
Today's data mostly point to rising rates.
- Major stock indexes opened mixed and flat (neutral for mortgage rates)
- Gold prices fell hard, again, this time a huge $31 to $1,288 an ounce. (That is very bad for mortgage rates. In general, it's better for rates when gold rises, and worse when gold falls. Gold tends to rise when investors worry about the economy. And worried investors tend to push rates lower)
- Oil prices remained at $71 a barrel (neutral for mortgage rates today; they did not increase or decrease. However, higher energy prices play a large role in creating inflation, and oil was under $50 a barrel just seven months ago)
- The yield on ten-year Treasuries rose for the third straight day, this time by 4 basis points (6/100th of 1 percent) to 3.09 percent. This is 1 percent in just two days and the highest since 2011. Very bad for mortgage rates, as they tend to move with Treasury yields.
- CNNMoney's Fear & Greed Index dropped 4 points to 52 (out of a possible 100). That means we're still in the "neutral" range. Moving into a more fearful state is usually good for rates, though. "Fearful" investors generally push bond prices up (and interest rates down) as they leave the stock market and move into bonds, while "greedy" investors do the opposite.
This week
Releases this week are considerably less important than last week's. However, geopolitical news like the Iran arms deal, trade wars, and relations with North Korea will continue to influence markets.
- Monday: nothing
- Tuesday: Retail Sales for April (expected t increase .3 percent, or .5 percent without autos), Homebuilders' Index for May (69 last month)
- Wednesday: Housing starts, Building permits and Industrial Production for April
- Thursday: Weekly Unemployment Claims, Leading Economic Indicators
- Friday: nothing
Rate lock recommendation
Rates continue to trend higher. I recommend locking because the economy and government are so unstable right now.
In general, pricing for a 30-day lock is the standard most lenders will (should) quote you. The 15-day option should get you a discount, and locks over 30 days usually cost more. If you can get a better rate (say, a .125 percent lower rate) by waiting a couple of days to get a 15-day lock instead of a 30, it's probably safe to consider.
In a rising rate environment, the decision to lock or float becomes complicated. Obviously, if you know rates are rising, you want to lock in as soon as possible. However, the longer you lock, the higher your upfront costs. If you are weeks away from closing on your mortgage, that's something to consider. On the flip side, if a higher rate would wipe out your mortgage approval, you'll probably want to lock in even if it costs more.
If you're still floating, stay in close contact with your lender, and keep an eye on markets.
- LOCK if closing in 7 days
- LOCK if closing in 15 days
- LOCK if closing in 30 days
- LOCK if closing in 45 days
- LOCK if closing in 60 days
Video: More about mortgage rates
What causes rates to rise and fall?
Mortgage interest rates depend on a great deal on the expectations of investors. Good economic news tends to be bad for interest rates because an active economy raises concerns about inflation. Inflation causes fixed-income investments like bonds to lose value, and that causes their yields (another way of saying interest rates) to increase.
For example, suppose that two years ago, you bought a $1,000 bond paying five percent interest ($50) each year. (This is called its "coupon rate.") That's a pretty good rate today, so lots of investors want to buy it from you. You sell your $1,000 bond for $1,200.
When rates fall
The buyer gets the same $50 a year in interest that you were getting. However, because he paid more for the bond, his interest rate is now five percent.
- Your interest rate: $50 annual interest / $1,000 = 5.0%
- Your buyer's interest rate: $50 annual interest / $1,200 = 4.2%
The buyer gets an interest rate, or yield, of only 4.2 percent. And that's why, when demand for bonds increases and bond prices go up, interest rates go down.
When rates rise
However, when the economy heats up, the potential for inflation makes bonds less appealing. With fewer people wanting to buy bonds, their prices decrease, and then interest rates go up.
Imagine that you have your $1,000 bond, but you can't sell it for $1,000 because unemployment has dropped and stock prices are soaring. You end up getting $700. The buyer gets the same $50 a year in interest, but the yield looks like this:
- $50 annual interest / $700 = 7.1%
The buyer's interest rate is now slightly more than seven percent. Interest rates and yields are not mysterious. You calculate them with simple math.Verify your new rate (Feb 20th, 2019)


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By Ali Mashraf
Center for Legal Dialogue (CLD), a newly found student initiative consisting of students of Department of Law, University of Dhaka (DU), organized its third dialogue titled- 'যন্ত্রসভ্যতা, পরিবেশ আইন ও পৃথিবীর ভবিষ্যত' (Modern Civilization, Environmental Law & the Future of the World) at the DUCSU Building of DU on April 24, 2018. Mr. Naeem Hasan, Managing Editor, Bangladesh Law Digest (BDLD) and a graduate of Department of Law, DU was the speaker while Ms. Sharowat Shamin, Lecturer of Law, DU was the chief guest. Numerous law students from different academic years attended the event.
At the onset, Mr. Abdullah Al-Muti Asad, one of the founders of CLD welcomed everyone to the event and briefly introduced the speaker and the chief guest. Afterward, the floor was left open for Mr. Naeem Hasan to discuss the designated topic of the event. Mr. Hasan, at the very beginning, remarked that environmental law itself is a vast area of study and for the convenience of the discussion, his speech would mostly focus on the Paris Agreement and recent enactments related to climate change. He cited Naom Chomsky while emphasizing on the fact that climate change is one of the biggest existential threats to human beings on earth.
Mr. Hasan talked of the pre-Paris Agreement days, the gradual evolution of environmental law as a separate mechanism in the 1960s, the Kyoto Protocol and its subsequent failure as well as the rise in awareness among the nations regarding carbon emissions and its grave consequences relating to climate change. Furthermore, he pointed out the dilemma and the difficulties that countries, especially the developing and the under-developed ones faced while endeavoring to transform themselves from a fossil fuel to a green economy. Additionally, he pointed out the budget and resource constraints countries like Bangladesh faces while thriving for the above-mentioned transformation and its negative implications on their respective economies.
While discussing the possible solutions, Mr. Hasan stressed upon the fact that enacting new legislation and regulations were not enough to tackle climate change, rather an ideological change of human beings is necessary in order to save the earth from its grave consequences. Referring to Nobel Prize winner Daniel Kahneman, he commented that the human nature of instant gratification and only being bothered about imminent, not distant threats was a big bane to the climate change problem.
He said that nations and individuals need to re-assess their goals and aspirations and create a balance between materialistic/capitalistic gains and spiritualism which would ultimately lead to sustainable development in its truest sense. Lastly, while answering questions from the audience, he cited the Chipko movement in India to save trees from being cut and the green movement all over Europe and agreed that these positive initiatives would indeed make a difference in the long run.
Ms. Sharowat Shamin then addressed the audience and said that a general understanding of both the national and international legislations was essential to comprehend the development of environmental law all over the globe. She discussed the harmfulness of the earth's temperature increasing up to 6 degree Celsius on average and its implications on human civilization. Talking about the current state of affairs all over the world, she said that in today's unipolar world, global leaders blatantly denying the existence of climate change would have severe ill effects in the long run. She wished CLD all the best for its future endeavors.
Mr. Abdullah Al-Muti Asad then thanked the chief guest and the speaker of the event and highlighted the future initiatives of CLD. He then brought the proceedings of the day to an end.
Ali Mashraf is the Special Correspondent of The FutureLaw Initiative