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Muli Uli!I've now entered the 3rd stage of my service. I have completed Community Entry, a time in which I was supposed to immerse into my community and not leave my village. I feel like I did a good bit of immersing and improving of my Tumbuka, and now I'm happy to be in the phase of which is my actual service. I'm also now free to take vacation and have visitors, which I'm stoked about. Here's an update of the last few months:
I've spent holidays away from home before, but I'm pretty sure this last Christmas was the first one that I've spent without my family. I don't think I realized that at the time, but I do remember it being a bit difficult to go through the day. First of all, it definitely didn't feel like Christmas here. I don't have stores, malls, or car radios constantly playing cheerful holiday music. In my area, there definitely weren't any Christmas decorations up. There was no going to pick out a tree, no lights to hang. And it was about 100 degrees! On Christmas Eve I went to a nearby village to see a man who raises chickens. I wanted to buy two, and I heard that they were sold in Chigona, which is a village about 9km away. When I rode my bike there with my friend Joe who was visiting, everyone we asked about chickens was absolutely wasted. I really dislike dealing with drunk Zambians, and avoid it at all costs if possible, but I had promised my village I would bring chickens for Christmas so I felt I had to follow through. First off, everyone was pointing me in different directions on where to find the chicken man. Then the guy was gone, but I was dealing with his brother. I was asking everyone for someone that spoke English, because I wanted to bargain for the chickens. Instead, I had a bunch of drunk men grabbing my arms and ignoring me, but only talking to Joe. He kept telling them that I was the one they needed to speak to, I was the one that was speaking to them in Tumbuka, but they wouldn't give me the time of day because I am a woman. I finally just grabbed some chickens, paid them the outrageous price they were asking, and stormed out. That's the first time that a Zambian has pissed me off since being here, and I'm usually really easy going and accepting of how I'm treated.
On Christmas morning I woke up and Joe and I each killed one chicken over the trash pit in my back yard. Apparently there are different methods to chicken killing, and Zambians do not appreciate it if you just chop off the head and let the chicken run away. But when they kill animals for food here, they lay them to bleed in a certain way and do it in a humane and least messy way.
I then plucked and cleaned them with my amama, and helped her prepare them for cooking. I attempted to make sima in my hut, and I thought I'd be creative and put salt and pepper in while I was cooking it, but I guess that doesn't work because my sima didn't turn out as sima. All the women in my village have been giving me sima- cooking lessons because they knew that a man was coming to visit, and it is a womans role to cook sima for the man. I think they were a bit disappointed when I wouldn't let them see or eat my sima, because I was embarrassed by it :)
We had a nice Christmas lunch of chicken and sima, everyone around my hut that wanted chicken was able to have some, and then Joe and I rode our bikes into the BOMA to have a Christmas dinner and gift exchange with all of the other volunteers in my district. There was a ton of food, from cabbage and stuffed bell peppers, to mac and cheese and deviled eggs. For desert there were cobblers, fudge, cakes, and pies. Pretty amazing that they were able to cook all this with local ingredients, and in an oven that barely fits one plate, with only two burners. We had all drawn Secret Santa names- the girl that got me made me two pot holders with aliens on them :D They're pretty awesome. I got to talk to my family that night, and it was really hard to hear them all together. I think this is the first time I've really been homesick since leaving. And the fact that I hadn't gotten a single letter, card, or box since October (and didn't until the end of Jan) made it a little harder, almost as if I was forgotten. But I know I'm not, and I know I don't need to get anything to know that people are thinking of me.. It was just tough being so far away from all my family and friends.
With [most of] my Host Family in front of my hut. Prince and Agnes, Chimwemwe, Jones, and Alfredi holding Chewbacca. Christmas Day.
I had a pretty uneventful New Years, but it was actually quite nice. On New Years Eve, I stayed late at my clinic because a woman in our waiting mothers room went into labor in the morning. I've never witnessed a child birth, and I think this was a drastic labor and delivery to start with. The girl was young, 16, and having her first child. While she was laying on the table, holding her own legs up, she started screaming and crying about her right leg cramping up and having stabbing pains. Zambian women aren't supposed to make any noise when they deliver, they usually do it silently, so the two midwives that were in the room with me were getting very upset with this girl. They kept yelling at her and telling her she was weak. When she couldn't stop screaming, they climbed on the table and pushed their hand down over her mouth. They took two clamps, attached them on either side of her inner thigh, and twisted her skin tightly. When I asked why they did that, they said it was so she would feel pain in that area and push harder. When she continued to cry and smack her leg, they slapped her repeatedly and screamed in her face. They pointed to her stretch marks, and asked me if I knew what they were. I said "Yes, those are stretch marks, and women get them during pregnancy when their body changes and grows rapidly and stretches the skin." They told me "No, they are marks because she must be a mischievous girl and is sleeping around." They talked about the girl right in front of her, and laughed about it while she sat there in agony. She had a prolonged second stage of labor, and something was obviously wrong. At this point they decided that the baby wasn't going to come easily, and she'd have to be transported to the hospital. They started filling out charts (something they should have done the minute she went into labor) making up dilations, blood pressures, and maternal and fetal heart rates for the last 11 hours, since they hadn't recorded these throughout the day. The ambulance, a small covered wagon type thing attached to the back of a motorcycle, arrived a bit later to bring her into Lundazi Hospital. She gave birth to a baby boy a few hours later.
I was only responsible for wiping her butt and cleaning up after she would defecate herself this time, but it was more a terrifying experience because of how I saw my midwives treat this poor girl. I certainly hope they aren't like that with everyone, and I see definite room for improvement and areas of training for my clinic staff and volunteers. I have yet to be around for another labor and delivery, but as it's something that I'd like to learn how to do, I hope I have more positive, smooth experiences in the future.
That evening I was in bed and asleep by 9pm, I didn't even try to make it until midnight. There is no drinking in my village, so there were no big dance parties like I had half expected. All was quiet until the next day, which is a large Nyao celebration. Nyao are the masked dancers that are the tradition of the Nyanja and Chewa tribes, both of which live in my area. I went to the next village over from mine, Chigadula, and it was packed with more Zambians than I've ever seen in such a small area. There were people everywhere selling cookies, soft drinks, chips, popcorn, etc. All the kids, both young and old, were out playing with each other or watching the Nyao circle. I've also never felt stared at more in my life, as when I was walking through with Prince and going to the dance circle, every single persons eyes were on me. I guess there were people that came from all over, so a lot of them didn't know me and had no idea why I was there. The headmen offered me a seat next to them, in the Chief's overstuffed chair. We sat right behind where all the dancers sat and awaited their turns, so I got close up looks at their feathered masks.
|Sunset, Jan 1, 2013
At the end of our training week there was an incident, and because I want to convey my whole experience while in Peace Corps Zambia, I will write about what happened. I know my family and friends read this, as well as incoming volunteers and possibly their parents, but I hope I don't shed a light on Zambia or Africa as being 'dangerous'. I'd rather people know about this so that they know better how to protect themselves. I was in an area of LSK that is referred to as the "dirty market". I did not wish to be there, but that's where I happened to be dropped off, and it's not somewhere I would have gone alone. Yet, I was alone, and with my large travel backpack and purse. Some guys started hassling me and trying to get money. Others were harassing me verbally, or trying to grab my arms. A trucker saw this and stopped, asked me if I needed a ride. As I've hitched with many awesome truck drivers, I didn't hesitate to take that way out. I told the man that I was a volunteer and could not pay, and asked if he would take me to Arcades (a mall near my hotel) for free. He said it was not a problem, and I got in. I asked him how long he's been driving, and he said he had just gotten here from South Africa, where he lives. I asked if he knew where Arcades was, and he told me he didn't, but would ask someone. I told him if he could get onto the main road, Great East Road, I would be able to direct him from there, but that I didn't know my way around this side of town. He started driving in the right direction, but then began heading West. I made a mental note of this, but did not say anything because I didn't know how the roads connected, and thought he might know better than I. After a few minutes of heading West and watching the sun creep slowly down, I asked him again if he knew where he was going. He said he did, but that he had to just pick something up at the Pick'n'Pay. I asked where that was, he said it was just near. At this point, I started to get nervous, but that was mostly because I had no talk time on my phone, so I was realizing that I couldn't text or call anyone to let them know where I was. The driver turned down a dirt road, I asked him what he was doing. He told me he was going to park and get out to ask someone where Arcades was. Instead, he drove down this dirt road until there weren't people around, and pulled into an empty parking lot. At this point, my stomach and heart were in my throat, my hands were sweating, and I was becoming fearful for my safety and security. I kept trying to page people on my phone, especially our Safety and Security Officer, but couldn't get through because I had no money on it. I pulled my purse onto my lap, and slowly slid my hand down to the bottom of it, where I carry a Rajah switchblade. When he parked the car I knew this was my chance to get out. He turned to me and said "If you don't have any money, how are you going to pay me?" I pulled my knife out of my purse, unopened, and rested it on my leg where he could see it. I told him very calmly, "I'm going to grab my bags, and get out of the car and leave. You're going to stay here, and you're not going to follow me." Then I proceeded to do just that, and as I jumped down out of his cab I took off running. I rounded a corner and saw two men standing outside a car, I told them I was in trouble and needed help, and they kindly drove me to my hotel. I was really shaken up, but after talking to my friends and deciding I needed to report this, I called Peace Corps and told them what had happened. Over the next few hours I was on the phone with the Safety and Security Officer, who offered to come meet me in person, and with Medical, as well as the Crisis Victims Advocate in Washington DC. They let me stay with my friends that night, but then moved me to Peace Corps Headquarters the next day so I could meet with the Medical Staff and talk further about my "kidnapping". They offered to fly a counselor out from DC, which I declined, but I've had a few follow up phone calls with them. I'm extremely lucky that I was able to get out of that situation, because all I could think of was the worst possible situation happening. I worried that I would never see my friends or family again, but I got away and I'm okay. He didn't touch me, and I don't know what he was planning on doing, but I'm glad I didn't have to find out. I'm thankful I had my knife on me, and I'm even more thankful that I didn't have to use it to really protect myself. The experience affected me in a few ways- for one, it definitely stripped the confidence I had to be walking around alone here. It ruined my trust of people. These were both obvious a few days later when I had to return to my site; I felt an immense amount of anxiety about having to hitchhike again, alone, and so soon. But I did it. And I also learned a few things from this. I learned to never travel without talktime, so I linked my phone to mobile banking so that I can always call or text someone in case of an emergency. It reiterated that I should carry my knife, even though physical defense is not Peace Corps tactic. And it taught me to get more information about the people I hitch with- I had not asked this guys name, nor had I looked at his trucking company name or license plate number. I realize this can happen to anyone, and while I wish it hadn't happened at all, I'm glad it happened to me and not someone else. I'm glad I was able to keep a steady and calm mind and have control over the situation.
I made it back to my site, and I'm sticking around here for as long as I can. I will travel to Serenje, in Central Province, next month for a National GLOW Meeting, but other than that, I'm trying to keep the traveling at a minimum for now if I can help it!
|Oh, and I let a Zambian villager shave off all my hair.


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If you are a fan of Adele's music as I am, you will want to play along with this new challenge at Scrap & Music! Put on her cd, crank up the volume and create a layout based on the sketch below and inspired by the lyrics of her heart-wrenching song, Someone Like You.
Here is my take on the challenge:
A mixed media background with lots of chipboard and a special picture of my handsome man.
Visit Scrap & Music to see more inspiration from the rest of the DT!

subset: commoncrawl


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The purpose of an introduction to public speaking course should be to provide a human communication overview. It should use independent study, textbook readings and exercises, group work, class discussions, library research, oral presentations and lectures to prepare students for successful lives by improving their oral and written communication skills. It should stress personal responsibility, ethics and the ability to understand and follow written and oral directions.
Students should learn the following:
To enlarge upon their critical thinking skills and to write their thoughts in an organized manner.
To write and deliver presentations in each of the three general purposes for speaking; persuasive, informative and entertainment.
To analyze an audience, to narrow a presentation topic and to tailor a presentation to meet their needs and the needs of their audience.
To write and deliver presentations in each of the four delivery styles: extemporaneous, manuscript, impromptu and memorized.
To use their voice and body effectively to become a successful presenter.
Strategies for effectively using evidence in presentations.
Strategies for creating and using visual aids to enhance their message.
Strategies for creating powerful, thought-provoking introductions and conclusions.
To study, and participate in, all three forms of human communication; mass, interpersonal and intrapersonal.
About the human communication process, how it works, why it sometimes doesn't work, and how to achieve effective communication.
To communicate effectively in small groups, teams and committees because they will learn to recognize the roles people play in group discussion and understand the roles that need to be played to lead a group to a consensus.
Problem-solving group techniques providing an organized, time-tested approach for reaching successful solutions.
The students in my classes are adults. Long standing tenets of Adult Learning Theory (ALT) inform us that adult learners have the need and internal motivation to learn. They prefer active and self-directed learning situations with immediate application opportunities. Adult learners also prefer structured activities and situations. Knowing these principles, my classes utilize a variety of materials presented in ways that meet the needs of the students' preferred learning styles. I am making many of these materials available on this site so that other instructors can utilize them in their classrooms.
My name is Steven Ginley. I've been teaching college-level speech since 1979. I've taught speech and theatre courses at Ball State University, Triton College, DeVry Institute of Technology in Addison, Northeastern Illinois University, Joliet Junior College, McHenry County College and Morton College. I've been teaching speech full-time at Morton College since August of 1998. I was born and raised in the Chicago area, spending most of my early life in Westchester. I've lived in Westmont, Illinois, since 1984. I'm currently living there with one wife (Kristi), six (6) cats (Indigo, Cairo, Miko, Li'l Graylo, Derek, and Tahani (Derek and Tahani are foster kittens), and one dog (Pup, actually Oedipup Rex). I enjoy reading. My favorite topics are the Civil War, Shakespeare and the Elizabethans, ancient Greeks and Romans, biographies, novels (my favorite novelist being Alexandre Dumas, pere), short stories, self-improvement books and books of quotations. I use the quotations in my classroom. During nice weather I may also be found gardening.
Morton College, 3801 S. Central Ave., Cicero, Illinois 60804, United States
(708) 656-8000 ext. 1351


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paris apartments for sale
Paris s Best Crème Brûlée
Remember the scene from Amélie where Audrey Tautou ponders life s little pleasures? One of them is cracking into a luscious crème brûlée. A rich and creamy vanilla-laced custard covered in a crisp sugar shell, it s hard not to love the classic French dessert. It takes time to perfect this sublime dessert and while it s a staple in Paris, it isn t that easy to find a first-rate version of the scrumptious treat. . Read More
Lorette Jasmin: Vintage Designer Shopping
Looking to find a really special designer piece while in Paris? Look no further than Lorette Jasmin, an alluring consignment store (dépôt vente in French) in the heart of the chic 16th arrondissement. At Paris Perfect, we also have a host of guided shopping tours for those that want a more expert-led option. Specializing in high-quality second-hand clothes, this is the place to find a real bargain. . Read More
Five Parisian Christmas Gift Ideas
Starting to write your Christmas shopping list? Gone are the days when two turtle doves or a partridge in a pear tree would have sufficed for festive gifting. Originality is everything in gift-giving this holiday season (think monogrammed velvet slippers and personalized perfumes). But if you're in Paris, you're in luck – it s the best city to discover unique treasures and custom gifts, unavailable back home. . Read More
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About Paris Perfect
Your Paris Perfect experience begins with where you stay. Let our friendly and knowledgeable team help you find your dream apartment in Paris. Each of our Paris vacation rentals is carefully hand picked to ensure it meets our high standards, including beautiful d cor and outstanding locations in the best Paris neighborhoods. When you ve booked, the adventure begins! Our team will guide you every step of the way to plan your perfect vacation. We ll share our favorite Paris insider tips to help you plan and enjoy your stay – from excellent tour guides and cooking classes to private chefs, best restaurants and caf s and even the pastry shops you won't want to miss. With Paris Perfect, take the stress out of holiday planning and enjoy the perfect Paris stay!


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shared 2 bedroom apartment for single person in Sidney, British Columbia
I am looking for a roommate for a newly renovated 2 bedroom apartment in a friendly house. Quiet, residential neighbourhood. Rent includes high speed WiFi and cable. The room is fully furnished. Suitable for a student or working person. The house is near bus stops for bus routes #14 and #26. 10 munities to downtown, 25 to UVIC. Very central and convenient location. 10 minutes walk to Fairway market. 3 bus stops away from Tillicum mall and only 10 minutes bus ride to Uptown Blvd.
I work full time Monday to Friday and am out of the house from 7am to 5:30pm. Looking for someone who is friendly, doesn't mind cats and is willing to share with a mature person.
I own two senior cats. Smoking is permitted on the patio. No parking available.
Available immediately. Rent is $550 a month plus $250 damage deposit. Text or email only please, no calls.
Inna Stoyanova
Where: Esquimalt
Cross Streets: Tillicum and Craigflower
Type: Roommates wanted
City: Sidney
Category: Roommates wanted
Roommates wanted in British Columbia
View similar ads: Roommates wanted, Roommates wanted in British Columbia


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Troplong Mondot 2012
Chateau Troplong Mondot
7 years
One of the superstars of the vintage, it boasts an inky/purple color as well as abundant notes of blueberry liqueur, graphite, truffles, acacia flowers and subtle toast. Full-bodied, opulent and already easy to drink, this large-scaled wine possesses high levels of tannin, but they are relatively well-concealed by the extravagant fruit, glycerin, texture and density of this compelling Troplong Mondot. This impressive wine may shut down after bottling and require 4-5 years of cellaring. It has the potential to last at least 15-20 years. Bravo! From a 63-acre vineyard on the high plateau (called the Plateau of Mondot) adjacent to the famous limestone hillside, the Cote Pavie, the 2012 Troplong Mondot is another fabulous success. Cropped at 31 hectoliters per hectare with malolactic in barrel, this blend of 90% Merlot and 10% Cabernet Sauvignon hit 14.2% natural alcohol. Three-fourths of the production went into the grand vin.
Robert Parker score
€ 800
current price
* price for one OWC (original wooden case) in perfect condition – 12x75cl per OWC
Last Update October 2015
Chateau Troplong Mondot
Chateau Troplong Mondot is a winery based in Bordeaux, France, from the appellation of Saint Emilion on the right bank. It holds the status of Premier Grand Cru Classe B as regulated by the Classification of Saint Emilion Wine.
The entire estate of Chateau Troplong Mondot stretches over 33 hectares, with the grape selection as follows: 90% Merlot, 5% Cabernet Sauvignon and 5% Cabernet Franc. Troplong Mondot did not gain widespread recognition until recent years, and many put down the success to the Chateaus collaboration with Michel Rolland.
Chateau Troplong Mondot churns out around 10,000 cases on an annual basis; it also releases a second wine labeled Chateau Mondot since the vintage 1985, with allocation of 800 cases a year.
10,000 cases
Annual production
Premier Grand Cru Classe (B)
Saint Emilion/Right Bank
34 hectares
DISCLAIMER - Bordeaux Traders © 2015
- - All prices are only for perfect OWC's (Original Wooden Case) = 12 * 750 ml bottles.
- - All stocks are of verified European provenance.
- - Bordeaux Traders holds no responsibility over accuracy of information.
- - Images may not reflect wines held in stock.
- - Current Price is an indicative figure from market average; actual market value may vary.
- - Due to constant market evolution, buy/sell prices may be subject to change.


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Olfranck 'God's Child' Kabue is an Afro-Canadian Hip Hop artist who was born in the Congo and was born with musical talent from the womb. He has been stirring the musical world with various sounds such as Hip hop, Reggae, House and much more, he is not about to stop anything soon.
With a brand new song titled 'Cant Stop Now', he is showing the world that if you work hard and you keep God in your heart, you can make it. ''Always remember to not stop until you achieve your goals'' is what he would say.
He is also the president of a foundation called VITA which the abbreviation stands for Violence Isnt The Answer which helps youth to do positivity through various forms of art such as choreography, graffiti, song writing and beat making.
With a great musical career and with determination of a leader, he is willing and ready to take it to another level and he Cant Stop Now. He hosts The Gospel Unlimited Show every Saturday morning from 10 am to noon on CJLO and brings his energetic fire to the table.
With songs rotating in Jamaica and other parts of the world, he is working hard till he reaches the top. As he would say ''My mission is that everyone i meet would remember the greatness, the smile and the positivity i bring''. He's working on a upcoming album with various different talented artists.
Keep your ears and eyes open as this multi talented young man will bring some new vibes on the air waves with his music and also change the world with his versitility.
God's Child - Can't Stop Now
Introducing God's Child
Tuesday, February 15, 2011 Unknown No comments


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There was once this couple who had been married for a long time, but could never get along very well. Many times, late at night there would be screams and shouts from their house. One day the old man said, Im sick and tired of you. When I die, I will come out of my grave to haunt you.
After this, the old guy started practicing black magic. All the disappearances of people, cats, dogs, etc. were blamed on him.
At the age of 80 the old guy dies, and his wife puts him in a casket. Later that night, she goes to the bar and parties as if there was no tomorrow. Her neighbor comes up to her and says, Arent you scared that the old guy will dig up and haunt you?
The old lady calmly replied, Eh, let him keep digging. I put the casket the other way around!


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Brandon ClappMember
Content Count6
Last visited
Community Reputation100 Neutral
About Brandon Clapp
hi if you are new to any aspect of game design(like me) but want to work\learn with others read this
Brandon Clapp replied to scrap's topic in For Beginners's ForumCorrection... My skype username is Clapp26 I just now got home and signed in
Starting C++
Brandon Clapp replied to Johnell's topic in For Beginners's ForumI would recommend learning the C++ language to the point where at least you are comfortale with it and can understand what is going on before you jump into any 2d graphics. Yes, it's a lot of boring reading and trial and error, but it will save you a lot of headache in the long run. You gotta walk befor you run.
hi if you are new to any aspect of game design(like me) but want to work\learn with others read this
Brandon Clapp replied to scrap's topic in For Beginners's ForumScrap, I'd be interested in swapping ideas with you, but as of yet I've not made anything. I'm fairly decent with C++, although I still read to try to understand it fully on a nightly basis. I still need to tackle a lot more before I attempt to actually getting into rendering anything, but I plan on using SFML soon, then continuing on with either dx11 or opengl (undecided right now). I'm not new to the whole programming scene, I'm fluent with PHP and some other web languages, but the concepts are a bit different with C++ so it's taking me a little while to make the conversion. I may not be able to contribute a whole lot right now, but I don't see this being a huge issue since I'm a pretty quick learner and have the motivation to tackle this. If you want to add me on skype, I believe my skype username is clapp09
So far I have been using the tutorials on thenewboston.com and they are pretty good, but he doesn't do a great job of explaining some of the concepts. I'll check out those too.
Thanks for the suggestions, I will look into those books.
Where to start
Brandon Clapp posted a topic in For Beginners's ForumHey guys, This is my first post here, although I have been reading through a lot of other threads. I am a long time web developer (PHP, CSS, XHTML, JavaScript...etc) so coding is not a new concept to me. I've had 1 Java programming class, although that's been a few years back. I've bought, and have gotten through about half of Beginning C++ Through Game Programming by Michael Dawson, but all of this is only command line programs. I understand that in order to use a language you have to know the syntax and blah blah blah... but I've noticed that C++ is ridiculously similar to PHP, so the syntax isn't hard to catch on to. I guess my question is... how do you bridge the gap between text based command line to GUI. Should I jump right into learning DirectX or should there be a middle step in there somewhere? I intend on starting small and working my way up... (ie starting with something somewhat simpler like tetris)


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Stalin's pipe became – along with his moustache – one of his famous attributes. he received many gifts of pipes from around the world, but also has his favourite. The pipe was also a signal of responses to people and ideas. The three key signals were:
1. Pipe taken out of mouth, smoking ceases = moment of thought and possible disagreement or change of mind.
2. Pipe placed carefully on table = someone has stuffed up and is about to be told off.
3. Pipe firmly in mouth and moustache calmly smoothed = deep pleasure and approval.


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you feel my down when we'er apart
im so happy today!
maybe it because its friday, maybe its because i dont have to wake up at 5:30 am for two whole days {wonderful} ,or because of my sister and best friends making me laugh super hard today. So for all this happiness i decided to post about things that make me super happy, and make life just that much sweeter.


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Project-Flextronics / San Jose, CA
Market-Electronics Production Facility
Concern-Cost effective high performance
Low Maintenance ESD Flooring
Product System-ICS-I-Stat ESD 1000 HB
Flextronics, headquartered in Singapore, is a leading Electronics Manufacturing Service (EMS)provider. They help customers design, build, ship and service electronics products through a network of facilities in 30 countries on four continents. Americas Headquarters is located in San Jose, California.
The San Jose location provides design and engineering solutions that are integrated with manufacturing, logistics and component technologies. A commitment to creating a safe and quality work environment was a key factor for this project.
This area of the facility was being redesigned and
designated for the production of Prototype Servers.
STS, Inc., as an authorized applicator of ICS-I-Stat
ESD flooring, was contacted by Orchard Commercial Construction of San Jose. They needed a flooring
system application that met the criteria for Flextronics production environment. The application would have
to meet the critical schedule with minimum down-time.
STS assessed the project and determined that a three-step application process would meet the project
The 9,000 square foot facility was scheduled for a five-day completion period. Moisture testing was done on the existing concrete substrate. The application of a moisture tolerant primer and a high build intermediate epoxy coating was applied. This application was
followed by a topcoat, of ICS-ESD 1000 HD. This product is acknowledge as one of the best performing ESD epoxy flooring products on the market due to consistent conductive readings.
Lowel Mazon, project manager, was pleased with the performance of STS, Inc., regarding the critical schedule they had to adhere to and the project results.
Lex Winters, jobsite superintendant with Orchard
Commercial Construction, commented, "The STS crew was professional and extremely knowledgeable in the product and application. The project moved effortlessly and met all our time constraints."


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Access Password Recover 1.62 download pageShareware, listed under Security & Privacy category, Encryption Tools
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By Barry Newcombe
The Olympic Games create a brief window of time every fourth year when we allow ourselves to believe that peace and good will prevail in the world, that competition can coexist with harmony. That belief became illusion on September 5, 1972, in Munich when Israeli Olympians were taken hostage by the Black September terrorist organization.
Barry Newcombe recalls the day and his role in it as a young reporter for a British newspaper.
It was the second Tuesday of the 1972 Munich Olympic Games. Because there were no track and field events that day, in prospect there would be less work. But the phone next to my bed rang just after 6 a.m. The caller said, "There's something happening in the Olympic Village; you should get down there."
I moved fast, down the stairs of the press accommodation, out into the morning air. All around me people were scurrying towards the village, pushed along on a tidal wave of rumor. By the time I reversed that journey 24 hours later, the Olympic world had been stood on its head. So had mine. I was a sportswriter involved in covering the biggest news story of my career.
In timing, the story of that day dropped exactly into the production schedule of my newspaper, the London Evening Standard. Munich was an hour ahead of London; my first edition would soon be rolling. Another four editions would be printed by the end of the afternoon. There were two of us to do the job: my senior colleague, a track and field writer, and myself. Another of our team was in hospital, requiring heart surgery.
A cameraman is shoved from the Olympic Village after trying to film the building where terrorists held Israelis hostage.
Compared to today, communications were limited. To communicate with my office, I had to find a telephone that would offer an international connection, and so did other journalists massing from all over the world. The demand for phones was extreme and was a key part of the hassle surrounding the extraordinary task. There were no call boxes on the position outside the Olympic Village in which, at an address called 31 Connolly Strasse, Arab terrorists were holding 11 Israeli athletes as hostages.
Rumor chased accurate information through the day. On Fleet Street, we call it "the mass doorstep" when a crowd of reporters will wait and wait for hours in hope of a tidbit of news on a developing story. The facts came to us slowly that day. By the time my production cycle finished, everyone was in their original positions — terrorists, hostages, media. They said one reporter had put on a track suit and run into the Olympic Village, saying he was a marathon runner in training. Another was said to have crawled under the surround fence.
As the light faded, it became clear the authorities were going to move the lead players from Connolly Strasse to an airport. The word was that the terrorists had demanded the release of 234 Arabs held in Israeli jails, together with their own safe passage from Germany. A bus and two helicopters took terrorists and hostages on their way.
Our two-man team had to cover the two airports where the departure from Germany could take place. My colleague Wally, who had served in the tanks corps in the Second World War, spun a coin that decided it. He went to Furstenfeldbruck, west of Munich, myself to Riem to the north.
The air base at Furstenfeldbruck was the place to be. My colleague took up position on the perimeter. Suddenly, shooting broke out in the darkness. "Get down, right down, and stay down until I say we get up," said Wally to a young writer alongside him. The firefight in and around the two helicopters was said to be decisive, and few knew with any accuracy what had happened. Again, rumor preceded the facts.
The media withdrew to the main press centre. The first news was joyous — all safe, said the authorities. That statement was reported as fact on the front pages of all the newspapers in Britain and many other places. The long day and night was over, satisfactorily, we thought.
But it was not over; it was far from over. Another press conference was called within the hour. This time the story was drastically different — nobody had been saved. All dead, they said. The dawn came in bleakly a few minutes later.
I found a desk, wrote the story, and when my office opened for the new day dictated more than 1,000 words on what had been the longest operation I had known. Like many other sportswriters, I had had to front up to the demands. It was an indication that the lessons I had learned when I was a trainee would hold good under pressure.
The Munich Games restarted and were extended for a day. Those who were there will never forget them. The implications for security have been obvious ever since, and the Olympic spirit will have to coexist with that security. There is no escape from it. One thing is certain about Munich 1972. What happened there has shaped the planning for every Olympic Games since and will continue to do so.


text: The sun, sand and shores of California entrances more than just beach lovers. Known for its enormous drive for greener lifestyles, it is no surprise that last year UC Irvine received The Sierra Club's accolade as one of America's Top 10 "Cool Schools" for LEED buildings and student-driven green fund projects. Josh Gellers, a PhD candidate in political science at UC Irvine, is a leader at the campus in sustainability research and student environmental organizations. oikos Penn reporter Marissa Rosen sat down with Josh to hear more about his involvement on his campus and the university's goals of raising awareness, producing zero-waste and creating its own energy.


text: In my head this salad wouldn't never worked because avocado is soft and radish and hard. This was one of those days where everything I had in fridge went into my salad. Honestly I was surprised to how yummy it turned out. I love the crunch of cucumbers and radish and softness of avocado. Like I always say, making less complicated meals is my thing, so this is just an idea for you.


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Hello Everyone!
Today I thought I'd show you a really good face mask made out of four ingredients that I'm pretty sure you will already have in your cupboards!! It aims to help eliminate spot scars as well us speeding up to process of getting rid of those pesky blemishes!! It's so simple to make and it's practically breakfast… Honey is a really good ingredient since it is a natural inflammatory and thus minimises the redness of those buggers!
The ingredients are;
- 1 cup Water
- 1/2 cup Oats
- 1tbsp Honey
- 1/2 tsp Lemon Juice
First up you need to mix the water and oat in a saucepan over a medium heat until the consistency thickens – stir every now and then, ensuring that the oats don't burn.
Then add the lemon juice. Take it off the stove to cool for about 20 minutes and then mix in the honey et voila!!
Apply to you face, which may seem tricky as it's not the most sticking-to-face mask! I suggest you leave it on for about 20 minutes whilst laying down or else at first, most of it will be plopping on the floor!! Wash it off with warm water, whilst you wash it off buff it into your skin to give a bit of exfoliation and then apply moisturiser!
It's not the prettiest looking mask but it does the job well!! Also, it may seem like I had a lot of mixture but that was because I doubled the quantities to make two masks.
Let me know what you think!!
Lots of love,


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Gunpla Expo part 2-Master Grades
You know, this time last year, I probably wouldn't even be making this a separate article.
Master Grades just weren't my thing back then, but now, they're pretty much my primary. I certainly haven't given up on High Grades, but I guess I now just feel confident enough to tackle the big boys. Not like I haven't been having a blast with these, heh. I just need some more bad guys and non-Gundams…
Once again, pictures are from gundamkitscollection.com.
In a move that I'm not sure surprises me or not, we're getting a Master Grade Jesta! Considering how prominent this thing is in the latter episodes of Unicorn, I'm not that surprised, but it's so close to just being a grunt that it seems odd to see it get a Master Grade. I'm not bothered by the announcement; I'll just get to reasons why I'd rather see something else later.
Now this, this actually surprises me. While yeah, Bandai loves reusing molds whenever they can, I can't say I was expecting a ReZel Type C kit in the MG line. The poor Creamsicle ReZels haven't done anything in Unicorn so far except show up and get trashed by the Sinanju and Rozen Zulu. It's a neat design, for certain, but I really don't see it deserving an MG save for the obvious part recycling.
This one is pretty cool: The Sinanju Stein. I was actually not sure on this one's origin at first, but according to my friend this is the Sinanju's original appearance before Full Frontal stole it. I'm actually kind of interested in it, but it's something I'd have to give a custom color scheme. But isn't it sad that, aside from the standard Sinanju, this is the ONLY Neo-Zeon MS from Unicorn in the Master Grade line? I'm no rabid Zeon fan, but the Feddies have a SERIOUS advantage in 1/100 scale! The lack of even a Geara Zulu is just shocking. I'm sure plenty of crazy Zeon fanboys would eat them up.
The Strike Gundam is getting a 2.0, and I'm not sure how to feel about it. On one hand, it'll be great to have a Strike to match the rest of the SEED Master Grades, but they didn't do it for the Wing Gundam, so why do it here? I'll definitely get this, but I'm just worried about the other weapon packs. Will I have to buy the old kits again and just waste the base Gundams, or will there be new ones? I guess time will tell.
And finally, some things we've seen already. Tallgeese is sporting the sleek yellow highlights from Hajime Katoki's art, which I'm all for. I think it'll match with the Wing Gundam and other ver. Ka/Endless Waltz designs perfectly.
As for the Nu Gundam… words can't describe how much I'm in love with this thing. Just looking at it makes me want it even more. If you look closely, you'll notice that it has a Psycoframe similar to the Unicorn Gundam! Not only that, it's compatible with an LED unit, so parts of that might even light up!! Oh, and did I mention it actually comes with waterslide decals?! I can't wait to start this thing, seriously.
A slew of kit announcements have made this Gunpla Expo a treat for fans of any scale. There's also the possibility of a Master Grade Wing Gundam Zero TV VERSION, but that was just a sketch. Either way, remember to check in at FPNYC for your Master Grade needs!


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While the implementation plan prepares students to apply their research to the problem or issue they have identified for their capstone change proposal project, the literature review enables students to map out and move into the active planning and development stages of the project.
A literature review analyzes how current research supports the PICOT, as well as identifies what is known and what is not known in the evidence. Students will use the information from the earlier PICOT Statement Paper and Literature Evaluation Table assignments to develop a 750-1,000 word review that includes the following sections:
Title page
Introduction section
A comparison of research questions
A comparison of sample populations
A comparison of the limitations of the study
A conclusion section, incorporating recommendations for further research
Prepare this assignment according to the guidelines found in the APA Style Guide, located in the Student Success Center. An abstract is not required.
This assignment uses a rubric. Please review the rubric prior to beginning the assignment to become familiar with the expectations for successful completion.
Will be using the same 8 references for all the other assignments that were used
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Case Study
A complete solution for higher education web content management
Xfive has created a complete solution for higher education web content management by making use of the WordPress CMS and Pantheon hosting. Press+ serves as a platform for university department websites.
Press+ admin interface
Press+ home page
Press+ based website of African American Studies
Press+ based website of Center for the Race and Gender
Xfive is a partner for design and web agencies looking to expand their capacity in web applications development where care is the foundation of everything we do.
Xfive took the responsibilities of its acquired US based company Webvanta, which focused on web solutions for higher education and mission driven organizations.
One of the responsibilities was to take care about client base and ensure that all client websites are technologically up-to-date.
To keep all Webvanta clients, specifically higher education websites up-to-date with web standards and trends, Xfive decided to create a new product which would ensure that these requirements are met.
The product name is Press+ and it's built on WordPress CMS. It's an ideal product for higher education website development – it allows enough flexibility to scale the website, is up-to-date with current web standards and accessibility requirements, is easy to use and has wide community behind, willing to help solve any problem.
With added maintenance and support services, Press+ provides extra care for the website management.
Cooperation Model
Press+ has been developed by Xfive as its own product. A remote team participated on the product development.
- 1 x Project Manager
- 1 x Designer
- 1 x WordPress developer
- 1 x Quality Controller
We have used hybrid agile / waterfall methodology during the product development.
- GitHub
- Basecamp
- Zendesk
- Slack
- Pantheon
- WordPress
- Timber
Over 12 months. The product is live now and Xfive continues to improve it and develop new features.
- African American Studies: Press+ replaced Drupal CMS. Client wanted the website design uplift and easy to use solution for their website content, because previous CMS was outdated and made content updates stressful and intimidating. Press+ solved all of these challenges. After implementation and a training session the client was able to manage their website content easily.
- Center for the Race and Gender Xfive installed Press+ administration theme which creates transparent content overview and makes content management easier. Client uses Press+ maintenance service to ensure that their website core platform files and plugins are up-to-date and the website works as expected.
- City of Gretna: Xfive developed a custom WordPress website for City of Gretna. It used Press+ hosting and maintenance services to keep the website up-to-date, performant and secure.
Complete website care
Press+ brings complete solution for university department websites including website design, web development, hosting service, product maintenance and support.
With its responsiveness, optimized performance, web accessibility and API integration it helps to easily manage the content of department informational websites.
Modules such as events, books, people and an event calendar ensure that the most important information about a university department is communicated to website visitors, as well as current and prospective clients.
I am so impressed with the services our Department of African American Studies at UC Berkeley has received from this website company. Stano/Xfive replies immediately to all of our requests and does so with a level of care that ensures our department home page maintains its integrity. I recommend the services wholeheartedly! You will not be disappointed!Professor & H. Michael and Jeanne Williams Department Chair


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Update 29 Jan 2018
Moon Eclipse event at RainBow Island Pune News coverage in the Times Of India on 29 Jan 2018.
Treat for your eyes as rare lunar eclipse set to paint the sky red
News by : Rujuta Parekh| TNN | Updated: Jan 29, 2018, 15:52 IST
Now, City youngsters club Hurda Party with camping near Pune
News by : Mayuri Phadnis| TNN | Jan 6, 2018, 12:29 IST
After turning into parties lasting a day or more, they are now weekend getaways with activities like bullock cart riding, vegetable picking and most recently, camping, to indulge in."People, especially youngsters, are clubbing hurda parties with camping over the weekend. They arrive at dusk and start with tea and hurda, accompanied by roasted sweet corn, groundnut chutney, godi shev, etc, and then proceed to camp," shares Onkar Kulkarni, the owner of Rainbow Island near Hinjewadi, that hosts hurda party groups. Campers who usually chose to barbecue while they camp, choose hurda during this season, especially since the delicacy is seasonal.


text:
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text:
Modern Times has us walking dead for the 'City of Dead'
Modern Times continues to keep up with their fascinating reputation
for enhancing quality espresso flavor with beer, branding themselves as one of
the only breweries in the world to brew with barrel-aged coffee beans.
I had always appreciated the way Modern Times took with their
coffee and beer – quality and originality. It's special to have an establishment
that keeps its signature taste, being one of the only breweries in general to
roast their own coffee.
The smoothness of the nitro stout is quickly accompanied by its
signature bourbon-barrel aged coffee flavor, completed with chocolate, giving
it an interesting dynamic. Also with hints of marshmallow, cocoa nibs, and sea
salt, projects like these is what makes this brewery so special.
Modern Times' City of the Dead Nitro Stout is a new release
that already has people talking, receiving a 99% percent on ratebeer.com and
other critics.
The 7.5% ABV is solid for this delicious dark beer, making
it a good overall buzz whether your just at home or your out. I could keep going
on about the description of this beer, but Modern Times describes it best.


text:
I am afraid that if I let time pass without writing steadily the stream of posts will dry up. To stave off that possibility here I am, taking a crack at understanding the expeditions. This is a fascinating database because it has a lot of rich detail that I want to run through before summer comes around. To keep the momentum I began by looking at the number and nature of expeditions to the Himalayan peaks. I began by looking at the 9,608 unique expeditions I see in the database.
The maintainers of the database emphasize the four phases of expeditions over the century (and then some), and you see these reflected in the plot. Notice the uptick starting in the 1950s; clearly Hilary and Tenzing had a massive impact.
Not all peaks have garnered the same attention, of course.
Of course, some peaks have received more attention at different points in time so the questions is how the distribution of expeditions varies by peak. For brevity, I only focus on some of the more popular 8-thousanders.
What intrgues me is the sudden interest in
Cho Oyu but what I can glean is that Cho Oyu seems to be the "most accessible" 8-thousanders to climb. Well that sums it up nicely.
Now that is pretty but what am I looking at? I suppose, that until the late 1940s, Kangchenjunga-Janak and the Khumbu-Rolwaling-Makalu himals were the only ones anybody sought to climb. Nepal was not open to climbers until 1949 so it makes sense that it was the British, from Darjeeling, looking to summit new peaks. The Khumbu-Rolwaling-Makalu himal reigns supreme though, through time, no doubt about that. Not sure why interest in Kanjiroba-Far West tailed off after the 1970s. I have a hunch that it is because of the commercial climbing that ensued but the only way to answer that question would be to dig further inton the data. Happy times ahead.


text: Legs Worship. Ass Worship. Pantyhose Fetish. Sexy high heels September 12, 2016 · by Miss Waltrude · in Financial Domination, Legs and Feet Fetish, pantyhose fetish, Spending Chances, Tribute and Spoil Me. · Hey, you! Yes loser, I'm talking to YOU! Serving Me is the ultimate blessing! Get on your knees and thank the Universe for having Me touch your life and take your MONEY! Be My eternal paypig! CLICK and TIP! Tip Me MissWaltrude legs worship in sexy high heels MissWaltrude pantyhose fetish in Wolford nylons Share this:TwitterFacebookTumblrPinterestMoreEmailPocketRedditLinkedInLike this:Like Loading... Related


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text:
LANCASTER -- Residents on the lam from overdue library fees will once again get the chance to redeem themselves this holiday season.
The Thayer Memorial Library's annual Food for Fines program is underway and collecting non-perishable food items in exchange for erasing any late fee debts patrons might have.
"We started it about 10 years ago when we were going through the recession and people were losing their jobs," said Susan Conroy, Thayer's children's librarian. "I think in a town like Lancaster that looks so prosperous, the poverty gets hidden in a way that it isn't in the cities."
Non-perishable food items, toiletries, and any other necessities without an expiration date are being collected at the library, then sorted and distributed by staff of the Lancaster Community Center.
Though library fees can range from a few cents to a few dollars, any donation is enough to wipe the slate clean. However, library staff do suggest that patrons donate in the amount they owe.
"We suggest it, but we never say to people that what they've given is not enough. I usually see it the other way, where a donation is usually too generous for a one dollar fine," said Conroy, who estimated that there are likely dozens of town residents with late fees.
Though the program is being incentivized for people with overdue bills, you don't have to be bad at returning books on time in order to make a donation. Anyone is allowed to contribute items.
"It happens quite often," said Conroy. "I'm always surprised, but people want to donate.
The Food for Fines program is currently underway and will continue until Jan. 5.
Follow Peter Jasinski on Twitter @PeterJasinski53


text: News Florida developer Don Peebles mulls challenging de Blasio in 2017 Don Peebles appears at his Bridgehampton home on Tuesday, Aug. 18th, 2015. Photo Credit: John Roca By MATTHEW CHAYES firstname.lastname@example.com @chayesmatthew Updated August 20, 2015 7:02 AM Print Share fbShare Tweet Email A Coral Gables, Florida-based real estate developer who was a donor to Bill de Blasio in 2013 says he is considering a 2017 challenge to the mayor's re-election. Fed up with what he says is de Blasio's "disappointing" approach on policing, charter schools, economics, housing and more, Don Peebles, 55, says he's planning to make New York City his main home this fall and is exploring a Democratic primary run against de Blasio. Earlier this year, Forbes magazine called Peebles "one of the most successful African American CEOs" and estimated his wealth at $700 million. "I look at where New York is today, and I look at the direction that Bill de Blasio is taking the city, and I'm very disappointed. I am disappointed and I believe a majority of the city are disappointed," Peebles said Wednesday from Bridgehampton, where his family has a summer home. "Bill de Blasio is an excellent activist, and he is far better suited for the role of public advocate than being mayor of the city. He's far better suited to be outside City Hall protesting." Peebles gave at least $7,200 to de Blasio's 2013 mayoral campaign, according to the city's Campaign Finance Board. But Peebles said he's soured on de Blasio: the mayor's plan for more affordable housing "will barely move the needle," and Peebles said de Blasio's recounting of the warning he gave his biracial son to be cautious around police was disrespectful to NYPD officers. He also cited de Blasio's antipathy to charter schools. De Blasio spokeswoman Karen Hinton declined to comment on the potential challenge. Peebles said he is willing to spend between $5 million and $20 million -- or more -- of his own money, "whatever it took to win." He would have to spend a lot more, said Christina Greer, a Fordham University politics professor. Mike Bloomberg, for instance, spent $73 million on his first run -- in 2001 dollars. Another obstacle, she said, is that voters may not be "receptive" to a newcomer to the city. But Kenneth Sherrill, a Hunter College political science professor, pointed to de Blasio's sagging poll numbers and said, "There are people who smell blood. "It's not surprising that people who under normal circumstances would not be taken seriously as a mayoral contender would suddenly rush forward to add their names to the list, " he said.He added: "Everybody joked about Mike Bloomberg -- until the night he was elected." By MATTHEW CHAYES firstname.lastname@example.com @chayesmatthew Matthew Chayes covers New York City Hall for Newsday and amNewYork, a beat that inspired his Twitter bio: "Used to cover crime. Now I cover politics. Trying to learn the difference." Share on Facebook Share on Twitter Comments We're revamping our Comments section. Learn more and share your input.


text:
Monthly Archives: September 2015
Real Estate performs "Crime" at Converse Rubber Tracks Austin
New York Post
Canadians can't get enough of NYC's real estate market
New York Post
Canadians love Big Apple real estate as much as ice hockey â scoring more New York City properties than any other nationality in the world. Over the past 10 years, $15.37 billion in Canuck cash has flowed into the city's commercial-property market ...
RE players pushing limits of capital gains tax rules
Canadian Real Estate Investment Trust Announces Date of Third Quarter Earnings ...
Investors Real Estate Trust (NYSE:IRET) Analyst Rating Update
seeing a lot of people frustrated with brokers and finding apartments. im an ex real estate broker who can explain the ins and outs of the real estate biz and can help you not get screwed by a broker or landlords/mgmt!Fri, 21 Jun 2013 17:15:19 -0700
i first posted a big, long wordy post about how brokers often can screw you over when it comes to real estate in manhattan. however, i know many of you have questions and would like advice/are curious about finding apartments and how it works. (please note, i only worked in manhattan, so generally i can give advice, but mostly about manhattan and brooklyn, as i dont know as much about bronx, queens, and staten island.)
finding real estate is hard, especially in nyc and even moreso during summer. i used to be a successful real estate broker who quit because of pressure by my bosses to get more deals and placed money over customers. real estate is a big business - after all, EVERYONE needs a place to live. however, that also means that people will get screwed over, and you cant screw people over when it comes to the place where they will live and sign a lease locking them in to living at the same place, sometimes for up to two or even sometimes 3 years. seeing people get screwed over angers me a lot, so i want to help out and maybe shed some light about how things go down in the real estate world. (text post, so i dont get karma or whatever. i really dont care about that, i just want to help out.)
[link] [135 comments]
Investing in Real Estate with Home Equity? [#AskBP 007]
New York Post
Real Estate bigwigs honor recently retired REBNY president
New York Post
Despite a sparkling skyline as a backdrop, all eyes were a bit teary Monday night as the Real Estate Board of New York honored Steven Spinola, its recently retired president of 30 years, at an exclusive Rainbow Room event. Real estate industry titans, ...
Santa Barbara Real Estate
Information and news about real estate in Santa Barbara, California and the surrounding cities [link]
Real Estate Investing – Buy Tax Lien Property at Government Auctions
New York Post
Real Estate bigwigs honor recently retired REBNY president
New York Post
Despite a sparkling skyline as a backdrop, all eyes were a bit teary Monday night as the Real Estate Board of New York honored Steven Spinola, its recently retired president of 30 years, at an exclusive Rainbow Room event. Real estate industry titans, ...
Real estate pros turn out for Steven Spinola send-off
Santa Barbara Real Estate
Information and news about real estate in Santa Barbara, California and the surrounding cities [link]
1337 Locust Dr, Asbury Park, NJ 07712-New Jersey Real Estate
Charlotte Business Journal (blog)
CNL Commercial Real Estate spins out of CNL Financial
Charlotte Business Journal (blog)
CNL Commercial Real Estate, which has 50 local employees, has spun out of its parent company. Investment management firm CNL Financial Group has agreed to a management-led buyout of the business by the partners of CNL Commercial Real Estate ...
CNL Commercial Real Estate to spin off from parent company
CNL Financial sells its commercial real estate business
Montecito Real Estate
Information and news about real estate in Montecito, California [link]
Probate Real Estate Investing by Wholesale real estate Investor Jimmy Reed – Part-2.AVI
OC real estate index on the upswing after rough 2014
People working in real estate and finance jobs averaged 163,650 in past year â the highest in seven years. That's up 1.41 percent vs. the previous three months and up 4.56 percent vs. a year earlier, according to the Employment Development Department.
A cautionary story on real estate investment and FI.Sat, 19 Sep 2015 00:06:37 -0700
There's a huge amount of enthusiasm for real estate investment in this subreddit, and for totally understandable reasons. For the most part we want FU money as quickly as possible, and, with current equity valuations and bond yields, the returns one could get on leveraged rental properties are incredibly attractive. I'm very guilty of spending a lot time reading about RE investing and running numbers. I live in a city in a growing metropolitan area with a very robust economy, with no evidence of a property bubble, and I'm now at a point where I could afford the down-payment on a sizable apartment building or complex.
So, as a sort of counterpoint to the story from the guy in Kentucky with a couple dozen rental apartments, I wanted to share a brief story that explains why I will never invest in real estate.
TLDR so you can skip a story with too many numbers - As we all know, undiversified assets have real risks.
When my Grandfather was born in Detroit in the 1910s, the population of Detroit was ~500,000, and the region ~750,000. The Great Depression when he was in his teens left him with an unfortunate weariness of stocks, but the growth of Detroit was pretty remarkable. By 1930 ~1.6 million people lived in Detroit, with 2,382,195 in the region (up 62% in just a decade). This growth continued through the 1930s, and was still in full force when he returned to Detroit after 6+ years in the army in 1946. He and my grandmother became real estate brokers, and they invested everything in Detroit real estate. For a while this looked like a great idea. By 1950 Detroit population was ~1.85 million, with 3,344,793 in the region. In the 1950s and 60s the population of the city proper declined slowly, but the region as a whole continued a healthy expansion with 4,736,008 in the region by 1970.
He retired in his late 60s in the 1970s, and figured that he was in pretty good shape. Of course things didn't turn that well. The bottom really fell out on Detroit in the 70s (-20% population), and things managed to only get worse in subsequent decades. -15% population in the 80s, -10% in the 90s, then things have really accelerated downwards in the last 15 years, but well before then 100% of my grandparents' investments in Detroit were worthless. They were entirely dependent on my Dad and his siblings for the last 15 years of their life. When he died in Detroit 5-6 years ago in his late 90s, the population there was about equal to what it was when he was born.
Now obviously this isn't the entire story, for starters he had a massive MI in his 60s, and I doubt he was planning on living ~30 years in retirement (although we are…), but there are several points from this to consider above and beyond the risks of tying your fate to the fortune of one city or region.
It's very difficult to differentiate a cyclical decline from an absolute decline before it's too late. This mainly applies to investor's enthusiasm for "buying the dip" on failing companies, falling for value traps etc..., but consider that my gut reaction when telling this story is to think there's no way that I would have held onto Detroit property through the 70s and 80s. In reality, I probably would have seen a local decline in values as a buying opportunity. After all, with 6 decades of experience with a dynamic, diverse and resilient city means more than a couple years of decline in manufacturing.
The longer time scales make it harder to appreciate, but cities and regions, just like companies, have life cycles. I don't really know how best to apply this idea. I'm not suggesting that London or Manhattan real estate might some day be worthless, but maybe Detroit could be a cautionary tale for the bulls in Silicon Valley?
The retirements we're hoping for will last a long time, a lot can change in that time, and any miscalculations on our part could have serious implications for children. My grandparents had a military pension as well as SS/Medicare, and the cost of 24 hour care for the last couple years for their life was huge. It didn't bother my Dad, but I know for a fact that his older brother is still working as a lawyer today approaching the age of 70 because he hadn't planned for those 15 years of growing extra costs.
As a final note, I'm really not trying to talk anyone out of real estate or suggesting that it's not a perfectly valid path to retirement. There are dozens of arguments in favor of real estate that I ignored. I just want to stir the pot, start a discussion, and share a story.
[link] [167 comments]
Luxury Real Estate for Sale Brand New $1,499,000 New Jersey
Real estate firm lands exclusive use of luxury brand
One of Richmond's largest residential real estate brokerages can now claim a famous luxury brand as all its own. Long & Foster Real Estate is now the area's exclusive affiliate of Christie's International Real Estate, the luxury real estate arm of the ...
**Press Release** Philadelphia Real Estate company is the first in the World to accept Litecoins and Bitcoins for all properties!Mon, 02 Dec 2013 18:01:49 -0800
Press Release Philadelphia Real Estate company is the first in the World to accept Bitcoins and Litecoins for all properties!
www.LitecoinProperties.com (Coming Soon)
We currently have 60+ for sale in Philadelphia, and every property is available for purchase by anyone in the world!!
Best part is, full or partial payments can be made in either Bitcoins or Litecoins.
We are working to allowing dynamic pricing and immediate purchase, but as of now, due to market volatility and the need for technological upgrades, please inquire about the current Bitcoin and Litecoin prices.
Please pass this on if you know people looking for things to buy with their newly found Bitcoin fortunes! Philadelphia is a great market for Real Estate investments!
www.LitecoinProperties.com (Forwards to BitcoinProps.com until I get my LTC prices oniline.)
[link] [42 comments]
Realty Today
Real Estate in Florida Registers Highest Market Rebound in the Country
Realty Today
CORAL GABLES, FL - APRIL 22: Denise Madan (L) , a Real Estate agent with Re/Max, shows prospective buyer Juan Carlos Correa a home that is listed as a short sale as he shops for a house on April 22, 2014 in Coral Gables, Florida. The Federal Housing ...
Santa Barbara Real Estate
Information and news about real estate in Santa Barbara, California and the surrounding cities [link]
1637-39 West Ave, Ocean City, New Jersey – Real Estate for Sale
Winona Daily News
Slow and steady: Winona seeing continued real-estate growth
Winona Daily News
The real estate market in the city and county of Winona is almost unanimous in one thing: Normalcy. After continuing to recover from falls starting in 2008, the prices and sales have achieved a more even keel. According to the Southeast Minnesota ...
Real Estate/Estate Agents, what are the questions buyers SHOULD be asking you, but aren't?Fri, 22 Aug 2014 13:27:27 -0700
[edit]: These answers are awesome. Also, RIP my inbox =)
[link] [4883 comments]
Real Estate Investing for Women – Best Low Cost Business Startup
Aspen Times
An Indian Summer for September real estate sales in Pitkin County
Aspen Times
September is the only month since at least 2009 that has yielded $200 million-plus in property sales. And this September has seen six sales of at least eight figures. But, said Steven Shane of Shane Aspen Real Estate, the majority of the deals start ...
The necessity of real estate in plans for FI?Wed, 28 Jan 2015 05:39:25 -0800
I'm currently reading the Automatic Millionaire Homeowner by David Bach. I think a lot of his statements are problematic, but I can't deny that the majority of people who've become FI seem to have a heavy involvement with real estate. Maybe it's just confirmation bias though. Therefore, I'm wondering if anyone has become FI (or is on the way to becoming FI) without significantly personally investing in real estate (I don't consider REITs, just people who own property and are landlords or use a property management company).
If real estate is necessary (or at least, makes the journey much shorter), how does someone with absolutely no knowledge go about getting started? Is it just a matter of having the discipline to save up a down payment and then hiring a property management company? Or should you learn how to do home repairs and buy fixer-uppers? If the latter, how do you learn those skills, assuming you don't have any friends or relatives to show you how -- do you just sign up for classes at the local community college?
Edit: I'm in Canada -- does that change your advice in any way? I live in one of the big cities with heated markets, and some people are predicting a cool off if oil prices stay low, which is why my interest has been piqued.
Edit #2: I've seen some interesting answers. Here's another discussion point: How long will it take (or did it take) for you to reach FI? For further clarification: a) did you use real estate? b) how big was your portfolio when you reached your goal? c) what's your current "passive" monthly income?
Feel free to answer some or none of those questions if they're too intrusive!
[link] [129 comments]
Real estate for sale in Alexandria Twp. New Jersey – MLS# 3220043
Port Huron Times Herald
Wallace: Buying real estate on land contract
Port Huron Times Herald
You have decided to buy or sell your home on land contract. But what is a land contract? How does it differ from a mortgage? Why should you use one? When you buy a house using a conventional mortgage, you typically have a down payment which can be ...
I think I sent a Real Estate Agent and Home Buyer to their deathSun, 28 Jun 2015 15:02:39 -0700
Ok, so here's some back story before we get into the disturbing stuff. I work for a call center that handles real estate agents. I'm pretty much a glorified assistant to agents. But to about 300 different agents a day. I schedule appointments to show homes for them, and I call home owners, tenants, and listing agents to get approval to show their homes. It's a pretty monotanous job, but it pays well enough, and I get to sit down instead of be on my feet for 8 hours. Sometimes though, the monotony is broken by some pretty odd or interesting home owners. Old folks that have had their home forever and can't use a cell phone or computer. Or disgruntled people who are about to foreclose with the bank and just want to swear and have you identify with them. They're all usually pretty funny, at least in retrospect. What I'm about to tell you about now is not one of those instances.
My day started out fine enough. Aside from an intensely humid walk to work, I was feeling pretty good. As hot as it was, it looked bright and colorful everywhere, and I was in a pretty good mood. Sat down, stuffed a meal bar down my throat, and started making calls. About an hour into my work day, I came across an appoinment for a listing here in Texas. It was for a house on a farm road, and the price was pretty high for that market. It'd been withdrawn from the market for years and it had only just come back up for sale about two days ago. And like a lot of agents, one real estate agent saw the price and picture (both were very nice), and probably without even going out there, scheduled a showing for one his buyers.
This property had a listing agent with no contact info. That already struck me as odd. Sometimes, an agent sneaks in without contact info by setting up online, but it's pretty rare. It's extremely rare for an agent like that to list a home. It should actually be impossible due to our company policy, but it happens. Usually only on listings that have been in our system since the beginning, much like this one. It made me hesitate, but when you have to make about 400 calls a day, you don't hesitate for long on anything. I checked the contacts list and there was one choice. It didn't have a name. Just said "Home". This is not as rare. Whether it's bad work ethic on our behalf, or a home owner who wants to remain annonymous, a lot of tenants and sellers don't list their names. I didn't think too much of it, and went to make the call.
I phoned the "Home" number for the house and it rang and rang. After about ten rings, I was ready to hang up and mark it as a "Did not Answer", but then I got the machine. It was the generic automated voice that answered. I hate those more than nearly any annoying seller. They take forever and they're so loud and robotic. Just a pet peev I guess.
"Hello. No one is available right now to take your call. Please leave message for ...", the automated voice drolled out the long phone number, as I motioned my hand in a hurried manner. Like I could somehow speed it up through my impatience.
Once the beep sounded, I began my usual shpeel, "Hi, this is Wayne with (my company), I'm calling about your home on (the address). I have an agent named (showing agent) who would like to show your home to a buyer today at--".
I was cut off. The phone clicked and I could instantly hear what I can only describe as old-timey, 30's music echoing through the home. It was accompied by a low slapping or thumping sound. Like someone was dancing very slowly and loudly by themselves. The sounds were soon accompanied by a heavy and anxious breathing right up against the phone on the other end.
"Hello, is this the homeowner for (address)?", I asked, already getting the creeps.
There was a chuckle and snort through the heavy breathing, then just more music, slapping, and heaving. I could tell it was a man's voice. Sounded like a big man.
"Hello, sir?", I asked again.
"Yeah.", A raspy voice said. Then nothing else aside from that disgusting breath gurgling up and down.
"Yes sir, I have a (agent) that would like to show your home between 12 and 1 today, would that be possible?", I asked, running through the words.
"They got buyers with 'em?", the voice asked.
Well no shit, I thought, but didn't say. "Yes sir."
"How many?", he almost interrupted me.
"I'm not sure, sir. At least one.", I answered. It caught me a bit off guard, I'd never had a seller ask me that before.
He grumbled for a minute, and I could swear I heard someone scream bloody murder from somewhere in the apparently large house. I wanted to pretend it was part of the song, but there had been no vocals up to that point. And the scream wasn't exactly melodic. The slapping stopped and I started to suspect that it had never been slapping to begin with, but maybe chopping. I shuddered and then he spoke.
"Well, alright. Send 'em over. We'll entertain some new guests.", He laughed heartily and I could hear the phlegm in his throat. He hung up before I had a chance to say anything else.
I felt slimy, somehow. But, he gave me approval, and I was glad to be done with the call. I approved the appointment and went to the next call. A few calls went by and I had completely forgotten about the whole thing. I just absorbed myself in my mind numbing work, powering through my day.
It wasn't until about 3 hours later that I got a call from a home owner. They had been called earlier for a showing and the agent never showed up. I pulled up their information, and as soon as I saw the agent's name, I got a chill up my spine. It was the same agent that had shown the house with the music and the screaming. I pulled his profile up on my screen. I wasn't even paying attention to the complaints of the home owner on the line. I saw that this appointment was the next on his schedule, and it had been past the showing time for an hour. He never showed after going to that house on the farm road.
I rushed the angry home owner off the phone with whatever bullshit customer service response my brain manufactured. I don't even remember what I said. I tried calling the agent, but he didn't answer. It went straight to voicemail. With real estate agents, that's pretty common, but this time it was unnerving. I called his office, under the guise of getting approval for an open house on one of his listings. Usually a sure fire way to skip through the lies of "he's not in the office right now" or "he's currently with a client". But his assistant seemed sincere when she told me he hadn't returned to the office today, and that he wasn't currently answering his cell phone. She even seemed a little worried, as though this wasn't normal for him.
I tried to reassure myself that it was fine. It's quite regular for agents to just not answer their phones for days at a time. I pushed the weird and dark thoughts from my mind and went about my day. But like a fly that won't stop buzzing around your face, the thought just wouldn't leave my mind. The sound of the screaming, the odd old music, and the heaving, grunting man who seemed all too happy for visitors. What the hell did I send those people into?
[link] [133 comments]


text:
FREDERICK, Md.- The Sweet Briar College field hockey team traveled to Hood College for a Saturday afternoon affair. The host Blazers controlled the run of play all afternoon on way to a 5-0 victory.
Despite the scoreline and possession, Sweet Briar's defense held its own, led by first-year goal keeper Rosemary Austin. The Commerce Township, Mich. native made a career best 28 saves as she faced 46 total shots on the afternoon.
"Rosemary has really earned her Pink and Green," said Head Coach Hannah Lott. "She's really hitting her stride in the cage and that's exciting to see from a first-year player."
Lott feels that her team is really closing the gap on its competition and she's excited to see where her team is when they play Hood again on Oct. 27.
The Vixens will return to action next weekend when they play back-to-back games. They'll be at Moravian College on Friday, Sept. 13, for a 5 p.m. start and then they are scheduled to face off against Cedar Crest College on Saturday at 11 a.m.


text:
by Admin
Walk with a Doc is a free, non-profit program for anyone interested in taking steps for their health. Bring friends and loved ones or come alone, and enjoy a refreshing, rejuvenating walk in the park. Physicians, specialists and healthcare professionals from your community will provide support and answer questions. Come out and see what is happening in your community.
Join in and write your own page! It's easy to do. How? Simply click here to return to Assisted Living and Senior Related Events.
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text:
- English
- Español
The Organization of American States (OAS), through its Department for Effective Public Management, announced the laureates of the "Inter-American Award for Innovation in Effective Public Management – 2013," which aims at identifying and promoting innovative actions in the public management of national, departmental and local governments of the Hemisphere.
The award seeks to recognize, organize and encourage systems, tools and innovative methods in management used by various public institutions at all administrative levels of the Hemisphere. The award recognizes, in particular, experiences that are useful and possible to replicate in other cities and countries of the region.
In total, 55 applications were received from 13 member states of the OAS. The awards and recognitions will be handed soon at a special event and ceremony.
The special jury was chaired by the OAS Secretary for Political Affairs, Kevin Casas-Zamora; Regina Pacheco, Professor of the Foundation Getulio Vargas of Brazil; the Secretary General of the Latin American Centre for Development Administration (CLAD), Gregorio Montero; the Director of the Government Program for Latin America of the Graduate School of Political Management of George Washington University, Luis Matos; and Manuel Villoria, Professor of the Foundation Ortega y Gasset-Marañón of Spain and Rey Juan Carlos University in Madrid, Spain.
The results are as follows:
o Innovation in Planning and / or Public Policy Evaluation Category
Winner: Municipal Performance Evaluation System (SEDEM)
Municipal Planning Institute of Puebla (IMPLAN) - Mexico
Special recognition to the following candidates:
Planning, Monitoring and Evaluation System for the Implementation of the Policy on Rural Land Formalization in Colombia
Colombian Institute for Rural Development (INCODER) – Colombia
Decentralization of the Executive in the Territory
National Planning and Development Secretariat (SENPLADES) - Ecuador
o Innovation in the Quality of Public Policies Category
Winner: National Plan of Community Policing by Quadrants
National Police of Colombia - Colombia
Special recognition to the following candidates:
Grandparents Online
Municipality of Junín / Argentina
Community Development, Fundamental Pillar for Sustainability
National Service for Sustainable Basic Sanitation Services - SENASBA / Bolivia
Quality Management System and Accreditation for Justice
Judiciary Power / Costa Rica
o Open Government Innovation and Access to Information Category
Winner: National Internet Network, Internet for All / Panama
National Authority for Government Innovation (AIG)
Special recognition to the following candidates:
Let's talk, attention via mobile phone
Department for Social Prosperity / Colombia
Trash is Useful Program: the Bag that will continue to be a bag
Management Services to the City and the Environment / Municipality of Santiago de Surco / Peru
o Innovation in Institutional Coordination Category
Winner: Electronic Certificate of Live Birth (CNV) with assignment of a unique identity number
Office of Planning and Budget of the Republic - Uruguay
Special recognition to the following candidates:
Titling of Territories to the Indigenous Communities of the Province of Jujuy
Jujuy Province / Government Clerk - Argentina
Shaping Citizenship and Political Culture for the Future of the Country
National Office of Electoral Processes (ONPE) - Peru
Coordination in the Fight against Corruption: the Experience of the High-Level Anti-Corruption Commission (CAN Anti-corruption)
o Innovation in Human Resources Management Category
The Special Jury took note of the experience of Grandparents Online from the Municipality of Junín, Argentina, as a good example of public service humanization by granting it a special honorable mention.
For more information, please visit the OAS Website at www.oas.org.
Reference: E-341/13