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Editor | February 2, 2017 @ 05:00 PM
The Union Budget 2017 has been a mixed bag offering good and not so good news. Neeraj Bansal, Partner and Head, Building, Construction and Real Estate and India, KPMG, shares his opinion on the Budget.
Bansal spoke with Magicbricks and voiced the key highlights of the Union Budget 2017. Bansal says, "The two important developments were 1) Infra Status to Affordable Housing; and 2) Capital Gains Tax period reduced to 2 years from 3 years.
These two points are good and will bring relief to home buyers." Having said that, Bansal also mentioned, "The Budget could have done more in terms of interest rate home loan deduction which right now is a meagre Rs 2 lakh."
The principal amount that is clubbed with Section 80CC has not seen much change. Higher deduction would have helped buyers. Bansal ended by saying, "Lots could be achieved from this year's Budget."
Rate Union #Budget2017 for Real Estate— magicbricks (@magicbricks) February 1, 2017
Neeraj Bansal, KPMG reacts:
Anuj Puri, Chairman & Country Head, JLL India
The Budget that was being touted as a make-or-break one for the future of India, and the Government made some big announcements on the infrastructure front and also on beneficial changes to the affordable housing segment.
The Budget missed out on giving any additional income tax incentives to first-time home buyers or providing higher tax savings on housing loans and house insurance premiums. Nor did it raise house rent deduction limits. However, it did provide some direct tax relaxation to the lowest income earners, and gave some clarity on the designated beneficiaries under the Pradhan Mantri Awas Yojana. A new Credit Linked Subsidy Scheme (CLSS) for the middle-income group with a provision of INR 1,000 crore in 2017-18 was announced. Also, extension of tenure of loans under the CLSS of Pradhan Mantri Awas Yojana (PMAY) was increased to 20 years from the existing 15 years.
Moreover, one crore houses are to be built by 2019 in rural India for the homeless and those living in 'kaccha' houses. Allocation to PMAY has been increased from Rs. 15,000 crore to Rs. 23,000 crore in the rural areas – and affordable housing will now finally be given infrastructure status. This is very significant, because it will provide the vital budget housing segment with cheaper sources of finance including, but not restricted to, ECBs (external commercial borrowings). Also, re-financing of housing loans by NHBs (National Housing Bank) can give a leg up to the sector.
Under the latest provisions, developers to get one year's time to pay tax on notional rental income on completed unsold residential inventory. The time limit for capital gains to be considered as a long term gain has been reduced to 2 years from the earlier 3 years. More supply will enter the housing market now.
The applicable exemptions for affordable housing will now be recognized on the basis of carpet area of 30 sq. m. and 60 sq. m. instead of on the basis of saleable area. The 30 sq. m. limit will only be applicable within the corporation limits of the 4 major metros. For fringe areas of these metros and all other cities, it will be 60 sq. m. on carpet area. This will effectively serve to increase the increase the number of projects falling under this segment.
Promoters of affordable housing projects will benefit from the following announcements:
On the infrastructure front, a total investment of INR 3, 96,135 cr was announced in the Budget 2017. Budget allocation for highways will go up to INR 64,000 crore in FY18 from the earlier INR 57,676 crore. Allocation for national highways has been stepped up to INR 64,000 cr from INR 57,676 cr. The rural roads' construction work will be accelerated to 133 km of roads per day in 2016-17, as against 73km/day during 2011-14. A new metro rail policy will be announced.
On the FDI front, the FIPB (Foreign Investment Promotion Board) is set to be abolished and a new roadmap is to be announced in the next few months. This will give the real estate sector access to significantly more funding than it has today. A new FDI policy is under consideration, which promises to liberalize the FDI regime further.
Anshuman Magazine, Chairman, India and South East Asia, CBRE
Overall, the Union budget 2017 augers well for real estate, affordable housing and the infrastructure segment. The affordable housing sector is finally set to get infrastructure status. This was a long awaited announcement. While we are yet to read the fine-print, this is indeed an important step to promote access to priority lending thereby spurring supply of low cost housing units across various cities in India. Relaxation in area measurement as well as completion timelines to seek tax exemption are, welcome steps. Further, the government has also increased allocation under the PMAY scheme. This will encourage home buyers and further boost participation from the Private players.
The airport authority of land act amendment is yet another positive move which will allow development of land around the airports. This will further improve infrastructure and more importantly increase funding for the development of the airports. This is over and above the record allocation made to the overall infrastructure sector.
In order to encourage greater fund flows into the economy, the FM has announced abolition of the FIPB. While a clear policy outline is yet to be revealed, this is another positive step to liberalize FDI policy framework and ease regulatory hurdles in attracting investments.
The government has also been accommodative of the concerns of the real estate sector. The relaxation on long term capital gains, joint development agreements, tax rebates for builders will help reduce their tax liability.
While greater rebates were expected in individual tax rates, nonetheless the rebate for individuals earning upto 5 lacs will help increase their disposable incomes. This might help spur consumption and also have a positive impact on demand for housing.
Rohit Gera, Managing Director, Gera Developments & VP, CREDAI
On the whole the budget has a number of positive aspects. Given all the allegations about populist budget in light of the upcoming state elections the government has shown tremendous focus and has proved the naysayers wrong by not providing a bunch of sops for the upcoming elections. The move to reduce the maximum gap on cash donations to political parties buy 90% to Rupees 2000 is also a welcome move.
The reduction of income tax for small and medium enterprises with the turnover of less than 50 crores to 25% is a positive move as is the reduction of tax for the sub 5 lakh segment. The impetus on infrastructure development with a large capital deployment for the same will reap benefits in the short as well as long term.
With regards to the real estate sector, there are a number of positives such as the reduction of holding period for long term capital gain as well as clarification on the date of tax in case of joint development and the increase in the period required to complete the projects for the sub 60 square meter segment. Unfortunately, the steps taken will not be enough to kick start the real estate sector which is one of the engines of the economy.
The announcement of according infrastructure status to affordable housing projects will truly only see a big impact if these lower cost funds are actually made available for acquisition of land. Without this, a large part of the funds required for the affordable segment for the construction are provided by the end consumer and large scale capital is not required once the land acquisition is completed and approvals are in place.
I wish, however, that more steps had been announced to curb the regeneration of black money. Now that the cash has come into the banks, it is critical that the process of regeneration is addressed. Without this, it is a matter of time before the cash economy flourishes again.
Ruparel Group -
Sachin Bhandari, VTP Realty
Kunal Banerji, International Land Developers Ltd
Ashish Puravankara – Managing Director, Puravankara Ltd.
True to its expectations, Budget 2017 has spelt out roadmaps and allocations across various initiatives of the Central Government and the Finance Minister has done an excellent job of managing the expectations. Initiatives to Real Estate industry has been spoken at length where the sentiments have been largely positive.
Furthermore, fiscal deficit for 2017-2018 has been estimated at 3.2% of the GDP which may lead to a lower borrowing programme, this is an excellent move and will go a long way to meet the country's growth objectives.
Largely, we were anticipating encouraging announcements for the industry and in the light of the upcoming RERA and GST implementation, we expect renewal of consumer confidence in the sector.
Abhishek Lodha, MD, Lodha Group
This is a budget which will enable empowerment of middle-class India, improving lives of millions. Reduction in Income Tax rates both for earners up to Rs. 5 Lakhs and MSME's, will help in increasing their purchasing power and shall also impact demand for affordable housing positively.
More importantly, the simplification of rules qualifying affordable housing, tax holiday under 80 IBA and infrastructure status to this segment are significant positive moves by the government. These initiatives will in turn boost the overall economy as there will be more participation by developers in this area.
Reduction in home loan rates has already proven to be beneficial for housing demand and it will further increase with the help of above measures.
Rahul Shah, CEO, Sumer Group.
In Arun Jaitley's speech on Budget 2017-18, one of the much needed changes in the real estate sector was that the affordable housing will be given infrastructure status which is likely to result in increased participation from private players like us. The allotment of infrastructure status would boost investment from private players in the affordable housing campaign. It's a good move by the government.
Real estate Investment Trusts (REITs) will open ways for the realty sector to get easy funding and ensure timely completion of projects. From our perspective, it would be beneficial if home buyers can come under the lowest possible slab of the GST, thereby, enabling greater affordability for potential home buyers.
Chintan Sheth, Director, Sheth Corp.
The budget 2017 was supposed to be a very critical affair post demonetization as far as the realty market was concerned. There were huge expectations from the Finance Minister Mr. Arun Jaitley and he showed some positive hopes for industry going forward.
The first positive from the budget was the proposal of tax relief to developers on unsold inventories. The second important point was the reduction of long term capital gains tax period from 3 years to 2 years which will provide relief to both investors and developers. Also, the tax liability for developers involved in the joint development agreement will arise only in the year of selling the property. These benefits can further be transferred to the buyers by reducing their financial burden while purchasing their dream home.
Affordable housing constitutes the largest demand from home buyers and the Government has already reflected in the budget with the policies geared towards that end. It has allocated Rs. 23000 crore for the Pradhan Mantri Awas Yojana (PMAY) and plans 1 crore houses for the poor by 2019. Also, the granting of infra status to the affordable housing segment will mean lower borrowing costs for the sector and thus addresses the margin issues that private players in this segment face. These initiatives will boost the affordable housing segment and will help in Government's mission of "Housing for All".
There is no change in excise and service tax rates due to upcoming GST. Introduction of GST will help in curbing multiple taxes which is a positive sign for the industry and result in buyers coming forward to buy property.
K. M Pai, ED & CFO, Orient Bell Limited.
From the economy perspective, the government has laid down broad framework for growth in the coming years. The Finance Minister's budget has shown a 24% increase in expenditure which aligned with a perspective of 'Transform, Energies and a Clean India'. The intention to boost affordable housing with an infrastructure status is no doubt a positive move along with a tax deduction to the MSME sector. In addition, the resolutions and various initiatives to promote 'Swachh Bharat Abhiyan' and 'Make in India' will give a push to the tiles industry.
Sobha Group -
Rajesh Krishnan, MD & CEO Brick Eagle
The Affordable Housing sector could not have asked for a better budget. The Union Budget for 2017-18 has brought in a series of policy directives that are a positive move to the Affordable Housing Sector. Especially, the Government's move to impart infrastructure status to this sector. It's been a long standing ask that has finally materialized. We have affordable housing projects in Maharashtra, Tamil Nadu, Gujarat and Rajasthan. Conferring infrastructure status will make borrowing for projects easier due to longer tenures of loans and better terms. The government has already eased norms for registered FPIs for investment in the infra sector (subscribe to bonds issued by unlisted infra companies) which will prove beneficial to the Affordable Housing Sector. Extending the project duration from 3 to 5 years to avail the tax break under section 80-IBA of Income Tax Act, is another major move in favour of developers. These steps will lead to a multifold increase in affordable housing. For the affordable home buyer, rates are likely to come down further with The National Housing Bank (NHB) taking on incremental 20,000Cr refinance. Also, increasing the loan tenure for CLSS from 15 to 20 years would lower the EMIs, thereby enhancing affordability. Not forgetting, increasing allocation to PMAY to Rs. 23,000 Cr which will further boost this sector.
Avneesh Sood, Director, Eros Group
The government has yet again presented a Budget that will bring about a cheer to the masses. From favourable changes in the personal income tax structure to heavy investment plans for the infrastructure along with the according of infra status for the affordable housing segment and so much more, real estate sector is sure to directly and indirectly benefit from this budget in the near future. Amongst the big decisions, an outlay of almost 4 lakh crore has been planned for infrastructural development across the country, no tax for earners upto INR 3 lakh a year and no property tax for developers on unsold inventory till one year after completion certificate is issued. With such announcements, we are projecting the demand for budget housing to multiply that will also allow a positive drift in the momentum for the realty sector.
Maple Group
Deepak Kapoor, President CREDAI-Western U.P. & Director, Gulshan Homz
Announcement of infra status for the affordable housing segment in the Budget will open up new avenues for the developers planning to offer budget housing units and will make it easy and comfortable for them to get finance from lending agencies. Affordable housing developers will now be eligible for various government incentives and subsidies, where this infra status could also mean that the government might come out with land parcels for such development in future. With the basic slab of income tax now reduced to half the effect, people will have access to higher disposable income which can now be utilised for saving and investment purposes, where real estate will look attractive. Also, to promote foreign investment in the country, FDI is planned to be liberalised further.
Rakesh Yadav, Chairman, Antriksh India
The popularity and acceptance of this budget was clearly visible for the realty sector as we saw the real estate stocks driving the day in the share market. The decision of granting infra status for the affordable housing segment along with the rebate in personal income tax announced by the government will provoke the developers to shift their gears and develop affordable housing projects; which is now sure to meet the demand as well. One major issue faced by various builders across the major Tier 1 cities of the country is the inventory pile up. The tax break up of one year post the receipt of the completion certificate for the project, for the unsold stock, offers a slight breather for the builders. Overall, this budget looks quite favourable for the realty sector and its buyers in the long run.
Rajesh Goyal, Vice President CREDAI-Western U.P. & MD, RG Group
As anticipated, a populous budget has been announced by the government which will allow the young generation to save more and invest further. This budget saw the government offering several benefits to the realty sector, at the same time missing out on a few important decisions. Single window clearance system is still not implemented across the country which is hampering the delivery schedule of the developers. Amongst the major hits, the criteria for affordable housing has been changed from built up area to carpet area basis. This will allow affordable housing segment to look more lucrative for both, developers and buyers. With the income tax rebate for the first slab and affordable housing incentives in place, we will now observe the youth of the country looking out at realty sector as an avenue for investment or residing.
Abhishek Bansal, Executive Director, Pacific Group
With today's budget announcement, the affordable housing segment and the retail industry will see the biggest boom. The moment tax structure is simplified and relaxed, the spending power of people increases and this spending is directly contributed towards either savings or investments. Although, the young earning age in India is expected to spend and invest more rather than save, thus retail industry will witness increased footfall in the upcoming financial year. Real estate sector on the other hand, will benefit from the affordable housing development and hence, developers will now be eager to plan accordingly. Buyers interest will now shift towards low budget houses as these units will now come with a reduced price tag with the developers gaining access to easy finance from lenders; well supported by recent rate cuts and announcements.
Ashok Gupta, CMD, Ajnara India Ltd.
With a mammoth budget investment plan for the infrastructure of the country announced, various untapped regions will gain connectivity with major cities. This development will further broaden the avenues for realty development across the country. Affordable housing has yet again been the prime target of the government as it looks to fulfil the dream of housing for all. With the initial tax slab relieved and infra status announced for the affordable housing segment, upcoming project launches will witness majority of affordable projects. In a nut shell, this budget will provide a massive thrust to India's realty sector which has been picking up pace gradually over the years.
Ashwani Prakash, Executive Director, Paramount Group
Union Budget 2017-18 was likely to give some respite to the realty sector and it was highly expected that this sector might get industry status this year, but this has not happened. However, the FM has still taken an appreciable step in giving infrastructure status to affordable housing and increasing the scope of the same. The decision of increasing the period of completion for affordable housing projects from 3 to 5 years is also a welcome move. Reduction in interest rates for home loans is already in place, relaxation in the individual tax limit would also encourage the home buyers to come forward.
Prestige Group -
Pradeep Aggarwal, Co-Founder & Chairman, Signature Global
Driven with the view to provide houses to all at affordable rates, government's move to grant infrastructure status to the affordable housing segment in the country along with the relaxation especially in the first slab of the personal income tax will not only spur growth in the construction of affordable housing but also enhance the demand for the same. As the disposable income increases, people will be inclined to invest towards property. With the lending interest rates lowered and purchasing power increased, we will witness a steep rise in affordable housing demand across the country, which will now be well met with the upcoming supply.
Kapil Wadhawan, Chairman & Managing Director, DHFL
Undoubtedly a historic and landmark Union budget presentation by the Hon. FM combining several firsts –with the change in the age old conventions of date, the merging of the Railway Budget with the Union budget, dropping the distinction between planned and non-planned expenditure for the first time, makes it truly unique. Additionally, I believe this was the least volatile budget with very little impact on the market indices that remained fairly flat without any movement for about 2 hours! A first also with the affordable housing sector gaining infrastructure status.
On the whole we believe, it's an extremely well-balanced and a progressive budget based on the vision of Transform, Energise and Clean [TEC] India with strong focus and clarity on key themes of rural India and farmers, youth and employment, development of underprivileged, prudent fiscal management, housing and real estate, taxation and infrastructure.
The Infrastructure status given to affordable housing will has been a long-pending demand by the real estate sector that will provide a boost in volume of construction activity across the country. This is a strong catalyst to meet the objectives of Housing to All by 2022 and will be a strong wind under DHFL's wings that will help us significantly augment out outreach. Credit off-take towards affordable segment of housing will augment supply especially for both stake holders – the first home buyer and developer — who will now have access to cheaper funding. Several strong steps through Increased allocation of Rs 23,000 crore for PM Awas Yojana, the extension of Affordable Housing Programme to 5 years, benefit to be based on carpet area instead of built-up area, NHB (National Housing Board) to refinance loans worth Rs 20,000 crore, proposal to complete 1 Crore houses By 2019 for the homeless and those living in mud houses – all indicate a very strong emphasis on the housing and real estate sector and an acknowledgement of the huge scarcity of affordable homes, focus on people at the bottom of the pyramid and importantly the role of the Real estate sector to domestic economic growth. The government's focus on affordable housing will definitely help making the term more acceptable to developers, who are now not only entering this segment with confidence but also talking about it openly. There is now considerable goodwill attached to such a move, and affordable housing obviously makes very distinguished business sense.
The focus on rural, agricultural and social sectors that includes education and skill development are thoughts and initiatives in the right direction and need to be lauded. The Government's initiative to continue efforts towards a Skilled India and better employability through the innovation fund will be created for secondary education, youth education and commitment to structural reforms in medical education will definitely create a deep impact on domestic social and economic growth and India's perception even globally. These initiatives will strengthen entrepreneurial and academic talent among Indian youth and create better opportunities.
The budget also had a strong infrastructure flavour with the focus on real estate, rural and urban housing thrust, encouraging insurance companies to mandate higher investment in housing, a focus on irrigation and dairy sectors – are clear indicators of strengthening the domestic economy. Theagricultural sector is expected to grow at 4.1 per cent this fiscal and they have been lent the necessary support for true development to take place through the larger target for agri credit od Rs. 10 lakh crore this year, the Fasal Bima Yojana coverage increased by 40% and the micro irrigation fund – all of which are extremely well timed and expected to strengthen the agri economy.
India has already taken an active step towards digitisation. There was also an expected and strong emphasis on digital literacy and encouragement to adopt the digital way of life through e-market platforms.
The other encouraging thing to notice in the budgetary announcements was the continuing thrust on the infrastructure sector. The allocation of Rs. 1 lakh 31,000 crore towards the enhancement of the roads, waterways, aviation and railways sectors comes as another big positive. It was heartening to note that the Government has a long term vision and is looking at the all-round development of the infrastructure sector by looking at the development of the roads, ports and railways and civil aviation on the one hand and invigorating natural resources, power to augment its potential over the next couple of decades.
We also look at this Budget as one which has been quite responsible on the deficit and borrowings, with the deficit target of 3.2% -- much in line with expectations. Coupled with fall in crude prices which is a major input cost in our system, we can surely believe that inflation is set to remain moderate. The global spotlight is already on India and through the government's stance to make India a more attractive destination through actions as a proposal to amend FDI policies, enhance transparency in political funding, totally clamp down on black money generation, I believe we are able to send very strong signals to the global economy that the best of India is yet to be unearthed and that as an economy, India continues to be a sought after trade destination.
Pacifica Group
Rajesh Doshi, Managing Director, ACME Group
"The Union Budget 2017 is a very encouraging & favorable budget for Housing Industry. Government has realized the hurdles & challenges faced by the Realty sector and its buyers. They have considered all the challenges faced by the housing industry and tried to resolve most of them.
The biggest announcement is awarding Infrastructure status to affordable housing. "This will not only give the biggest boost to PMs 'Housing for all scheme' but also enable developers to cater to the citizens who cannot afford housing today. Due to this status, developers like us who are working on these projects will get access to lower cost funds and hosts of other benefits. Moreover, by increasing the size of the affordable homes by changing from built-up to carpet area allows for better planning of the house.
Additionally, the government has taken into considerations that these are generally larger projects and take longer to complete and thus has increased the time line of project to 5 years from 3 years. NHB refinancing 20,000 crore of housing loans will enable HFC and other institutes further lower the interest rates to these segments.
There is cheer even for projects which do not fall under the affordable segment. One of the major change is that the holding period for capital gains tax for immovable property is now reduced from 3 years to 2 years. This will help people who want to sell existing properties and upgrade. People will also get benefit of indexation so tax incidence will be much lower. Indexation for older properties is moved to 2001 from 1981. Again, huge tax break for people who want to upgrade from older flats. All these decisions will boost the realty sector and allied industries like steel, cement – much needed impetus to the remonetizing economy.
However, some benefits for mid-income, upper-income realty buyers would have been good, especially in the metros.
From the developers side, the decision that the landowner entering into joint development agreement for development of the property, shall be subject to capital gains tax upon completion of the project is a good one and usher in lot of clarity and ambiguity in this aspect."
Ssumit Berry, Managing Director, BDI Group
Affordable segment: This announcement is a landmark for the real estate sector which will open new avenues for the affordable housing segment. We welcome and appreciate this decision of government, it will help the sector get various benefits of infrastructure sector which was a long time demand of the realty industry.The new measure will reduce costs for developers and attract more investors. It is great push for the housing for all vision and will also benefit the first time buyers.
Pankaj Bansal, Director, M3M
Luxury Housing Segment: We welcome the government decision to bring affordable housing in the infrastructure sector. Also, definition of Affordable housing changed to make it more practical to build and market. Now, we can expect focus on building more affordable housing projects, also Rural Housing will get big push. The borrowing costs for the home buyers has already come down significantly. Time period for Long Term Capital Gain is reduced by 33%, with new base period. Many have been deferring their decisions to buy homes. All these factors will be considerably significant in helping to expedite their decision. This will make investment in the real estate sector lucrative providing a surge in consumption demand. Having said that Year 2017 will be the year of affordable housing.
R K Arora, Chairman, Supertech Ltd.
The budget for financial year 2017-18 has the potential to give much needed impetus to affordable housing in the country. The Real Estate Developer community appreciates that the Government is serious in achieving the objective of Housing for All by 2022, which is evident from the grant of Infrastructure Status to affordable housing. The other positive steps to revive the real estate in the Budget are additional refinance of Rs. 20000 crores through NHB. This is good news for both developers and investors in real estate projects. Further, the permission to complete Affordable Housing Projects in 5 years instead of 3 years to qualify for Tax exemption in 80IB is a relief. The new Credit Linked Subsidy Scheme for Middle Income Group with allocation of Rs. 1000 crores in the Budget will also revive the demand. The benefit to individual taxpayers by raising exemption limit and slab restructuring benefit would also boost purchasing power and demand. The relief in capital gains tax on real estate properties announced in the Budget is a welcome step as it would help enhance investment as well as demand in real estate sector. The reduction in fiscal deficit is indicative of a bright economy.
Srinivasan Gopalan, Group CEO, Ozone Group.
Overall I feel that this is a positive budget for housing and rural development. Affordable housing is set to have a huge advantage, with it being given infrastructure status. This effectively means access to other benefits that come with infrastructure status including easier availability of loans and investments from insurance companies, who incidentally are mandated to make 25% investment in the infrastructure segment. There will also be the multiplier effect on allied industries including steel and cement which will consequently prove to be a boost for the real estate sector. The decrease in the income tax percentage from 10% to 5%, for individual tax payers upto Rs. 5 lakhs per annum, is seen as welcome benefit to the middle class. This will increase the disposable income and increase the spending power. This combined with attractive housing loan interests rate will have a positive impact on Real Estate sector. I was hoping for a single window clearances for new projects and a reduction in stamp duties, which would have lent further impetus to the ailing Real Estate sector. There is no mention of this in the budget.
Vijay Pawar, Managing Director, Mirador Group
Considers this budget as a shot in the arm for the housing for poor in India. Several announcement of the budget go on to make a dream of the house for the poor a reality. The infrastructure status to affordable housing will create better access to finance, faster clearances and more organized way of building homes. This will definitely result in the reduction of costs. The likely increased in housing size because of carpet area being considered as a measurement for affordable housing help people get bigger houses. Last but not the least the cut in the tax rates at the lower income bracket will make it easier for poor to spend on their housing which is considered critical for personal and family in our society. In addition, National Housing Bank will refinance Rs 20,000 crore in loans only if it helps the case of all the parties involved. Also, reduction in the holding period will compel builders in timely delivery to their customers. Surely, these measures and reforms seem to be taking India one step closer to achieving our dream of "Housing for All". Clearly this is a great pro poor initiative.
Gaurav Jain, Managing Director & CEO, Jindal Realty Pvt. Ltd.
Through the announcements made in the Union Budget 2017-18, the government continues to work on its reformist agenda. Extending the incentives for low cost housing and affordable housing, the announcement of including the segment under infrastructure will provide the necessary boost to the segment. This aligns to the overall target of providing low cost housing of the government under the Pradhan Mantri Awas Yojna (Housing for all by 2022).
It will help developers of affordable housing, who will now be able to access large pool of foreign and domestic funds focussed on the segment. We will now see the launch of more and more affordable housing projects in the country.
However, the industry expected more support on the personal taxation front, as the incentives announced give push to sales. More savings through tax rebates strengthens the hands of consumers. With more rebates and savings, homebuyers across slabs can invest in the housing market. However, the Union Budget announcements have touched upon only the base income slab and have ignored other higher income slabs, as against the expectations of the industry.
Gaurav Gupta, Director, Omkar Realtors
Finance Minister impetus on housing for all by 2022 by way of given affordable housing an infrastructure status is indeed a welcome step and will bring in the momentum towards achieving the goal. The allotment of infrastructure status would also boost investment from private players in the affordable housing campaign. Capital gains on joint development agreement to be taxed only at product launch, 1 year tax exemption from national rental income from unsold inventory and reduction of long term capital gains tax period from 3 to 2 years provide respite to investors/ developers of real estate. This helps especially those holding real estate inventory/ stock. This is a great move to providing tax relief to developers in the residential sector. Also with banks having surplus cash to lend to the home loan seekers, doubling the lending target to Rs 2.44 lakh crore will bring in more buyers to invest in real estate. Finally better re-financing of housing loans will further give a push to the affordable housing and real estate sector at large.
Brijesh Bhanote, CMO- Paras Buildtech.
We welcome the announcement of providing infrastructure status to the affordable housing sector. This will provide necessary incentive for private developers to participate in the sector as cheaper financing options will be available. Measures related to Joint Development Agreement will also provide some relief to the sector already suffering from demonetization woes. Overall, we feel that the necessary impetus provided to infrastructure development such as road, highways and affordable housing is a win-win situation for both the consumers and developers.
Brotin Banerjee, Managing Director and CEO, Tata Housing Development Company
Infrastructure status to affordable housing comes as a landmark announcement for the consumers and the real estate industry. A long-standing demand of the sector, the government has realised that housing & infrastructure can be two pillars to increase GDP and accelerate economic growth.
Easy and dedicated access to institutional financing, higher limit on external commercial borrowings will attract more investments and assure sustained growth of affordable housing in India, making it the core driving segment for real estate. On the other hand, long term financing at lower rates will reduce costs of construction for developers allowing them to pass on benefits to consumers. The new status will increase the resource allocation for the sector, catalysing housing supply and reducing the supply gap.
This budget has brought us a step closer in achieving the mission of providing Housing for all. Implementation of these schemes will be essential for its success. Clarity on the definition of 'affordable housing' will be useful. This is very beneficial for Tata Housing as a pan-India developer which is currently developing more than 40 million sq. ft. of affordable housing.
Rahul Nagar, MD, XRBIA Developers
It's a dream budget for affordable housing. Infrastructure status will transform the sector much like deregulation did to telecom in the 1990's. A 100 million houses across india is now a reality and xrbia will lead the supply train.
Rashmi Deshpande, Associate Partner on Real Estate
The Union Budget 2017 has set out certain proposals which are a welcome move for the real estate sector:
Low Cost Housing: The criteria for low cost / affordable housing has been changed from built-up area of 30 / 60 sq mtrs to carpet area of 30/60 sq mtrs, thus making the low cost – affordable housing segment more lucrative for the builders and also making the segment more attractive for the buyers. With the change in criteria from built-up area to carpet area, the purchasers get more spacious homes and the builder is able to market the property to a larger segment of buyers.
Also the tax break of 1-year post receipt of the completion certificate, for the unsold stock, gives a slight breather to the builders.
Reduction in Income tax rate for basic slab: Will help broaden the tax net and also increase the disposable income in the hands of the tax payers coming within the category. This, coupled with the incentives on low-cost housing and the reduction in interest rates by banks, is likely to promote thrust in the affordable housing segment.
Taxation of Capital Gains of Joint Development Agreement: The budget proposes to change the prevalent practice and has clarified that the landowner entering into a joint development agreement for development of the property, shall be subject to capital gains tax upon completion of the project. This is a significant change, which is much needed, to bring clarity on the aspect and avoid litigation with the department, which invariably a norm was given the current ambiguity.
Tapan Sangal,Executive Director of Lotus Greens
The granting of Infrastructure Status to affordable housing will give impetus to the accomplishment of the stated goal of "Housing for All". The Infra status will provide access to easier financing and associated tax benefits for such projects. The change in norms for constructed area from built up to carpet will also result in many more projects coming under the affordable housing tag, especially in the four metros. The increase of time limit for completion from three to five years for availing 100% profit deduction for affordable housing will encourage more realtors to take up such projects.
Some of the other benefits accruing to the segment included the lowering of the holding period for built-up properties for availing long term capital gains from 3 years to 2 years as well as granting respite in the notional rental income for property for a year. For the property being developed under JDA, one is now liable to pay capital gains tax only in the year of completion. The addressing of these small but crucial issues that were being demanded are likely to benefit the sector tremendously.
However, one major disappointment was the non-granting of industry status to the Real Estate sector.
Kishor Pate, CMD - Amit Enterprises Housing Ltd.
The Budget has announced that 1 crore rural houses will be created by 2019, and the outlay for rural housing under PMAY is Rs. 23000 crores from the previous Rs. 15000 crores. This will help address the housing needs of the homeless and those living in 'kachha' houses in the rural areas, and potentially help reduce pressure on urban areas if it is in conjunction with employment generation
The total allocation for infrastructure is a whopping Rs. 396135 crores in 2017-18. This is very good news for the real estate sector, as the correlation of infrastructure with real estate growth is a well-established fact.
Affordable housing has finally been given infrastructure status. This will mean cheaper loans for developers of budget housing and significantly boost the Government's target of Housing for All by 2022. The Affordable housing has seen a significant change in the Government's existing scheme, with the qualifying size requirements now changed from built-up area to carpet area of 30 sqm and 60 sqm for projects within the municipal limits of the large 4 cities.
On the all-important front of personal income tax, the existing tax rate for incomes between Rs. 2.5 lakh to 5 lakh has been reduced to 5%, and taxpayers in other categories will also save Rs. 12,500. While this will definitely boost the overall consumption story, it unfortunately will not have any significant impact on housing demand. However, the FM did indicate that lending rates are likely to come down in the wake of the demonetisation move. A decline in interest rates would have positive implications on housing demand.
Anil Pharande, Chairman - Pharande Spaces
Project completion timelines for affordable residential projects have now been increased to 5 years, which comes as a relief to developers of such housing as it will allow them more time to sell their inventory.
The Budget has focused on improving rural connectivity through higher kilometers road construction per day. Also, railway stations redevelopment has received a shot in the arm, with 27 stations to be allocated in the current year. This will help connect more areas and create new development corridors. It has also announced that the PPP mode will be used for select tier 2 airports, and a relaxation of AAI Act for commercial usage of land. The Government will also announce a metro rail policy for implementation and financing of such projects, which will generate additional employmentand therefore interest in home purchasing.
With five tourism zones to be established via Special Purpose Vehicles (SPVs), we will see an increase in tourism to the focus areas, with a direct boost to hospitality. It will also increase appetite for second-home investors focused on the tourism-related rental income in these areas.
The Government has announced that 250 proposals for electronic manufacturing worth 1.2 lakh crore have rolled in. Obviously, this has a direct potential correlation to employment generation and therefore demand for housing in and around the identified manufacturing nodes.
Anand Natarajan, Managing Director, Grihashakti - Fullerton India Home Finance Company Ltd
The thrust on affordable housing is timely and represents a significant step forward in the government's programme of providing shelter to all. We also welcome the decision to accord infrastructure status to affordable housing schemes – this will allow greater liquidity, at lower cost and help improve supply. The additional benefit is all of this will also provide a meaningful leg up to employment and income generation opportunities in this sector – all measures that we support whole-heartedly.
Anil Kothuri – President & Head of Edelweiss Retail Finance
The budget has managed to achieve a fine balance between fiscal prudence, rural spending, expenditure growth and tax stability. The finance minister has contained the fiscal deficit at 3.2%, while increasing the expenditure by 8.5% (in FY17-18), with virtually no changes to the tax regime.
In line with the Prime Minister's speech on new year's eve, the budget carries forward the government's agenda of 'Housing for All' and of rejuvenating the SME sector, post demonetisation.
There is focus on the affordable housing sector, which is over 90% of all homes constructed. In addition to allocation for the construction of 1 crore housing units in rural India, the government has made home ownership affordable by conferring 'Infrastructure status' on the construction of affordable homes. There is also a larger allocation (Rs. 43,000 combined via NHB & PMAY) to subsidise home loan interest rates through the National Housing Bank and under the Pradhan Mantri Aawas Yojana (PMAY).
It has also given an impetus to the resale market, by reducing the long-term Capital gains on houses after two years of holding.
Further, the budget is not inflationary. Consequently, interest rates are expected to be benign, which will lower the EMIs on home loans.
The SME sector will benefit through lower tax rates (25%) for all companies with a turnover of up to Rs. 50 crore. The enhanced lending under MUDRA (Rs. 2.44 lakh crore) will also help over 20 lakh SMEs avail working capital loans. This will help partly offset the higher tax compliance intended from this sector.
Thus, the middle class will benefit owing to these measures - on affordable housing, SMEs and lower personal tax rates up to Rs. 5 lakhs.
Magicbricks Bureau
Comments are moderated and will be allowed if they are about the topic and not abusive.


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Open Education Resources (OER): Where Libraries Are and Where We Are Going
ACRL DLS Member of the Month: May 2018
The ACRL Distance Learning Section (DLS) Membership and Communication committees started a "Member of the Month" initiative to highlight our diverse members. Here is our highlight on Kelly McCallister, Non-Traditional Student Librarian at Appalachian State University.
If you are interested in being an ACRL DLS "Member of the Month/Week", please fill out this brief nomination/sign up form.
Name: Kelly McCallister
How long have you been a DLS member?
Since 2013
Where do you work and what do you do there?
Appalachian State University, Non-Traditional Student Librarian
What is unique about your institution, and how does your work as a distance services librarian support the mission?
Appstate is a physically isolated (like how DE students feel) as it's located in the mountains of Western, NC. As a result, I identify with and strive more to create strong relationships and virtual communities with DE colleagues and students.
How do you bridge the distance with online learners? What's one way you create community for your distance learners?
I use our web conferencing system, Zoom to create virtual study space and communities with our students.
How do you recharge your knowledge of distance library services?
Volunteering as the moderator/ tech support the North Carolina Library Association (NCLA) Distance Learning Section (DLS) Webinar Wednesdays professional development workshops. I learn something new in every one!
What's something fun that you're doing now (outside of your work as a distance librarian)?
Started an unofficial Bocce team with my librarian colleagues, if only it would stop snowing in April!!!
What are you reading right now?
Madame Tussaud: A Novel of the French Revolution by Michelle Moran
Twitter, LinkedIn, or other handles you would like us to share?
LinkedIn: https://www.linkedin.com/in/kelly-mccallister-9a554142/
What else would you like for us to share about you?
Mother to three cats, one basset hound and two humans.

subset: commoncrawl


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Circular Oval Shower Curtain Rods - Bathroom accessories like shower curtain rods have significance in their very own. Lifestyles have changed now and people are very aware of styles and the plan of shower curtain rods.
The shower curtain rods can get a terrific effect on how you feel while taking shower in toilet. While the appearance of toilet cans dampen trendy rods make toilets look extremely cool. Nonetheless, you have to be sure layout and the colour you're choosing for the shower curtain rods match tiles and your toilet walls found in toilet flooring.
The selection of pole will also be dependent on the sort of curtain you wish to hang. If you are intending to hang dark coloured drapes, then go with knobs that are curved for metallic shower curtain rods. Use rectangular shower curtain rods in case you are about to cover your shower space from four sides. Use curved shower curtain rods which will fit built in bath units and many other shower units. You can even use crescent shower curtain rods which will fit your bath opening. There is also another kind of shower curtain rods, which are called shower enlarger pole. When you demand enlarging the shower space in your bathroom, you'll be able to use this pole.
Shower curtains come in different shape and size, as far as the rod width is concerned. You must select one which will fit your bathroom shower, design and structure space. Nonetheless, since shower curtains are usually lightweight drapes, light metal rods are perfect to hang the drapes. As far as the amount of the pole is concerned, it will depend on your own toilet height. Because these rods need to withstand daily use the shower curtain rods have to be durable and long lasting.


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Do You Dare…?
Another year and the wheel of fashion continues to turn but 2012 promises to put a new spin on how we view ourselves.
Fashion editors in 2012 have looked up in astonishment and seen the landscape of fashion conscious women everywhere change as never before.
In the twilight of 2011, we saw the likes of Jessie J and Caroline Flack setting new trends and like these fearsome fashionistas, you too have been inspired to be bolder and braver in your choice of make-up, nail art, tousled tresses and accessories.
These pretty yet edgy finishing touches are set to be taking over runways, the high streets and billboards alike in 2012.
So, to get some neat ideas on how to shake-up your look this new year, look no further than LoveScene Magazine and prepare to be inspired.
It's great to see that more and more of you have been experimenting with the latest rather brave hair trend: dip-dye curls. This otherwise quite hard and edgy look saw a comeback recently and coupled with pretty make-up, still manages to look chic and very on-trend.
In the celebrity world, we have seen many fashion faces trying out this look. Caroline Flack, Fearne Cotton and Alexa Chung stay pretty and feminine whilst getting to grips with longer, slightly darker hair from the roots which then cascades into tousled, honey blonde locks and I have to say, they look absolutely fantastic.
Another trend which seems to be taking over nail and beauty salons is that women everywhere are clamouring for statement nail art this season, reminiscent of Lady Gaga and Jessie J.
If you're feeling like you might like to try out such statement nails, you could start by trying out some nail products widely sold by such a brand as Nails Inc. London and their Magnetic Polish range which seem to be very popular at the moment. Or you might try, my personal favourite, Get Cracking Polish, also by Nails Inc. London.
Team these new looks with luminous, dewy skin and beautifully feminine and feline eyes and you're good to go!
Image courtesy of glamourmagazine.co.uk


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By Karen Soohy
There are a lot of internet resources that adults can use to help with many things. The Greenlee County Library webpage (www.greenleelibraries.org) has links to lots of helpful pages. Just click on the ADULTS tab to explore some of these awesome resources.
The Seasoned Times link is dedicated to encouraging wise and healthy aging. It is designed for baby boomers, seniors and anyone 55+.
Eldercare is a link sponsored by the Department of Health and Human Resources and helps locate lots of information through the Administration on Aging.
You can easily visit our Facebook page by using the link provided. Visit and LIKE us when you have time to browse.
The EDUCATIONAL section of links offers links to Driving Tests and DMV Practice Tests. GCF LEARN FREE offers free courses for adults in a variety of subjects including technology and basics such as reading and math.
Looking for information on an ancestor's burial site? Find A Grave might be able to help you get that information. Are you planning to travel internationally? Currency Converter helps you convert your money with the click of a button. Anyone who likes to print their own calendars can use WinCalendar to find a format that is easy to use. TimeTemperature links you to time zone and temperature information worldwide.
Looking for information about our world? Altapedia provides maps of countries as well as lots of statistics about every country in the world. CIA Factbook is a government site that lets you look up countries of the world and find out just about everything you could possibly want to know. Country Reports gives similar information as well as cultural summaries about countries.
MapQuest and Google Maps helps you find directions to any destination you want. ZIP Code Search takes you to the USPS website to find ZIP codes quickly. Doing any hiking or just interested in maps? PDF Quadrant Maps, a National Geographic site, lets you find and print out quadrant maps of many areas.
Medline Plus is a bilingual health information site from the National Institute of Health with up to date medical information, articles, videos and much more. If you need some job help, there is a link to the Arizona Workforce webpage.
The CONSUMER INFORMATION section includes a link to Kelly Blue Book if you need to know the value of a vehicle as well as a link to NADA for help in pricing and researching lots of information about a vehicle.
The FEDERAL GOVERNMENT links will take you to Federal Care Act page where you can find information on the current health care program. Federal Lawmaker Lookup takes you to Congressional information about voting records. Congressional Biography lets you look up background information on Congress members. Information on state Governors can be found on the USA Governors link. The House of Representatives, The Senate, Justice Department, Citizenship and Immigration and the White House pages can be accessed through the links provided.
Need a pamphlet that is published by the federal government? The US Government Publications link will let you search for what you need and obtain a copy. If you need information on loans that the federal government makes to people and businesses, click on the US Government Loans link. The US Geological Survey link has lots of material including articles, maps, scientific information and current news reports.
The National Archives link lets you search our country's historical documents, photos and records. Veteran records are also available on this site as well as the country's founding documents. Social Studies teachers can also find valuable lesson plan information here. The link to the Census Bureau has an amazing amount of information about our population and much more on its page.
The Library of Congress is a massive website that contains materials for everyone. There is even a Law Library available as well as a link to the Patent Office.
The last section on the Adult Resources page focuses on Arizona resources. There are links to Arizona Legislative Information as well as the Arizona Revised Statutes. You can visit the official State of Arizona webpage to find out what is happening in our state. The Arizona State Library, Records and Archives link takes you to the Secretary of State's page. This page will also accesses ASK Arizona, the Digital Free Library and public records. Arizona Maps Online is also connected to this site.
The Online Law Forms link gives you access to free law forms for Arizona. Other law related sites are the Arizona Attorney General's page and Arizona Law Help.
That was a lot of information but we make it easy for you…just click the link. We try to provide as much help as we can at the library and on line. If you have a link you would like to recommend, just tell one of the librarians and they will pass the word along.
Next tour will explore the kids and teen resources we share online.


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Love on Top
Rose quartz is a soft pink stone that covers over your Heart Chakra.
The stone of unconditional love. Tenderness and healing properties of emotional wounds, fears, and resentments. provides and deep sense of personal fulfillment and contentment allowing to truly give love and also receive love. Maybe makes you feel like you can belt out 'Yonce
"Finally you put my love on top top top top toooppppp"
Comes in brass and silver
26" standard chain length for unisex wear
custom length upon request


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Audrey Birt says change is needed in Scotland to value individuals and to approach our lives differently
It was perhaps my bravest decision when I decided to stand down as director of Breakthrough Breast Cancer in Scotland, but I wanted to focus on my work as a coach and consultant to enable transformational change in people and organisations – in particular, in health and social care.
And this was also a start of a transformational time in Scotland when we started to speak about the kind of society we wanted to live and work in. While these conversations were emerging so, too, was research I was commissioned to do by Oasis School of Human Relations into the Workplace of Tomorrow if people and planet really mattered. I interviewed people from a wide range of backgrounds and what stood out was the synergy between them. No matter what the context many paradoxes (like the more we control, the less quality we experience) of much of the current workplace were identified.
Perhaps the outstanding theme for me was the dehumanising effect people experience. Stress and depression were epidemic in many organisations with much of that related to experiences at work. The increase in extreme wealth alongside the growing effects of poverty was also mentioned by everyone as such a source of distress and dismay as well. So many people felt stuck. So it was really important in this work to identify organisations who had started to do it differently and understand what we could collectively learn from that.
What emerged from this was 7 Principles to Shape the Workplace of Tomorrow. We offer them to stimulate new approaches and not as tablets of stone:
• Connect people with their passion, their purpose and their planet;
• From leadership to leaderful;
• Create authentic organisations;
• Approach complexity with inquiry;
• Develop relational innovations;
• Trust more, control less;
• Pattern hope to help the future emerge.
Changes like these don't happen overnight but helping people start somewhere is perhaps the best way to engender the hope for a different way of being in the workplace.
I wrote up this work as the discussions heated up around the referendum. Campaigning for a Yes vote for me was so related to the themes of this work as well. It was about saying there is another way to approach how we live our lives. Without fundamentally changing the way we value people and how we can have power and influence over our own lives, I believe that change will not happen.
The journey I have been on in my working and political life in this last two years has convinced me that there is a rising and compelling call to do things differently. We are waking up to the need for change in Scotland and I'm determined to play my part in making that happen.
Audrey Birt is an independent coach and consultant


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Beauty and the Beast (2014)
Beauty and the Beast is the adaptation of a story by Madame de Villeneuve. Published anonymously in 1740 as La Jeune Américaine et les contes marins, it paints a portrait of Belle, a joyful and touching young girl who falls in love with the Beast, a cursed creature in search of love and redemption. In 1760, a condensed children's version was published. It was from this version that Jean Cocteau and then Walt Disney drew their famous adaptations. Overshadowed, the original version by Madame de Villeneuve has never been adapted for the screen... until now!
Director: Christophe Gans
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|Vincent Cassel
as La bête
|Léa Seydoux
as La belle
|André Dussollier
as Belle's father
|Eduardo Noriega
as Perducas
|Myriam Charleins
as Astrid
|Audrey Lamy
as Anne
|Sara Giraudeau
as Clotilde
|Jonathan Demurger
as Jean-Baptiste
|Nicolas Gob
as Maxime
|Louka Meliava
as Tristan
|Yvonne Catterfeld
as La Princesse
|Dejan Bućin
as Louis
|Wolfgang Menardi
as Thierry
|Mickey Hardt
as Etienne
|Arthur Doppler
as Virgil
|Elisabeth Bogdan
as Fanny
|Marie Gruber
as Adèle
|Gotthard Lange
as L'huissier
|Max Volkert Martens
as Le directeur Dumont
|Richard Sammel
as Le tenancier
|Nora Huetz
as Serafina
|Thomas Hacikoglu
as Un brigand
|Christophe Gans
|Visual Effects
|Emilio Ghorayeb
|Animation Supervisor
|Jeanne-Marie Leprince de Beaumont
|Christophe Gans
|Sandra Vo-Anh
|Pierre Adenot
|Christophe Beaucarne
|Thierry Flamand
|Production Design
|François Baranger
|Concept Artist


text:
Timber and veneers are natural products, and a range of colour variations within each species is to be expected.
Many of our products are made in a wide variety of timbers and we are unable to specify what timbers are available at any one time. In these cases please select your preference of light, medium or dark timber.
When checking out you can choose to be emailed images of available timber variations to choose from.
Below is some information and examples of the most common timbers used in our products.
Red Box
eucalyptus polyanthemos
Red Box grows throughout central and southern Victoria and south west and central NSW. It sheds part of its bark in small strips to reveal an attractive greyish or cream to white trunk. The hard red timber of Red Box is strong and durable but difficult to use. It makes an excellent fire-wood and fencing material. Wood turners primarily use its dense dark red burls with their yellow markings in their work.
Red Cedar
toona australis
Red Cedar once grew extensively in the rainforests along the east coast of Australia. Today it is difficult to obtain. Its susceptibility to the insect tip moth makes it difficult to regenerate and impossible to grow in plantation stands. Its beautiful wood, usually a rich red-brown with distinct growth rings, is soft, lightweight, aromatic and durable. One of Australia's finest cabinet timbers, its rarity now severely limits its usage.
Red Gum
eucalyptus camaldulensis
Red Gums are the most widespread species of eucalyptus. It grows throughout most of Australia but not on the eastern coastline, southern W.A. and the Nullarbor Plains. Its strong durable timber was widely used in the past for housing, heavy construction and fencing. Today this rich red hardwood is used for furniture, turning and decorative wood work. An excellent firewood, its foliage is relished by Koalas.
Rock Maple
Acer saccharum
Rock Maple is a medium to large non-rainforest hardwood of North-east America and Canada. It can reach heights of up to 40m and up to 1 m in diameter. The heartwood is creamy-white sometimes with a reddish tinge. The sapwood is wide, generally of the same colour. Larger and older trees sometimes have a dark brown heart. The grain is generally straight though sometimes wavy with a "fiddle-back" figuring. It has a naturally high lustre, fine and uniform texture with "Birdseye" figuring present in some trees. The sap of this tree is the source of Maple Syrup.
dysoxylum fraserianum
Also known as Rose Mahogany, Rosewood is a versatile hardwood used in furniture, panelling, joinery and turning. The wood has a distinctive pleasing odour, with the freshly cut bark smelling like roses. Rosewood grows to a tall tree, 40 metres or more, in the rich sub-tropical rainforests from central NSW to the Queensland border.
Atherosperma moschatum
This distinctive tree grows in high rainfall areas predominantly throughout Tasmania with some growth in Victoria and South Eastern NSW, It is much sought after as furniture timber. The heartwood is a creamy to light grey colour and often has a black stain. This "blackheart" is in demand for turnery and other specialist work and is caused by a bacterial infection. The bark of the Sassafras tree is aromatic and was used for brewing sassafras beer and for making tea.
She Oak
Atherosperma moschatum
Flame She Oak is a small slow growing tree distributed over much of western Queensland. Only small amounts of the trunk, which is seldom more than 15-20cm in diameter, is useful in wood turning because of extensive faulting and cracking. Its timber, which polishes well, has a wide band of creamy coloured sapwood and a rich red/brown heartwood that is brought alive by long dark medullary flashes.
Silky Oak
grevillea robusta
Silky Oak has been widely used for cabinet making but is now in limited supply in the coastal rainforest areas of the Queensland/N.S.W. border. Its timber varies from fawn to darkish brown with large rays that give it an "oak-like" figure. The early timber getters called it "oak" because of its resemblance to English oak and "silky" because of the "silkiness" of the wood when cut.
Silver Ash
Flindersia spp
The Silver Ashes are rainforest hardwoods growing from the Mid North Coast to Far North Queensland. The tree grows up to 35m in height and 1m in diameter. The timber colour varies from almost white to pale yellow to greyish silver and has little or no figuring in the grain. It is a stable timber, reasonably durable, easily worked and steam bends well. It has a natural lustre, finishes well and is a popular timber for furniture making as well as for sporting goods and boat building.
Spotted Gum
eucalyptus maculata
The Spotted Gum, so named because of the "spotted" or mottled appearance which the trunk develops as it sheds its bark, grows along the New South Wales coastline, up into Queensland. The heart wood of the spotted gum often features gum veins and fiddleback. Being shock resistant it is used in heavy construction, housing and as tool handles. Spotted Gum burls are the part of the tree most often used in wood turning.
genus eucalyptus
Stringybark grows in N.S.W., Victoria and Queensland. Their bark is their distinguishing characteristic. thick, tough and fibrous with deep furrows, it can be pulled off in long "strings". Their timber is usually pale brown with some species showing yellow or pinkish tinges. Being hard and durable it is used in heavy construction, and as sleepers and fencepost. Stringybark burls are the part of the tree more commonly used in wood turning.
Ceratopetalum succirubrum
Sycamore is a tree found in various parts of the world. In Australia it is also known Satin Sycamore and Nth Queensland Coachwood. It grows to a height of 30m in the rainforests of NorthenQueensland. The hardwood is pale pinkish brown and the grain is straight to slightly figured with fine texture and lustre. The wood is relatively hard and strong and can be worked to a smooth fine finish. It has been used for joinery, decorative veneer, furniture and carving.
Millettia laurentii
Wenge is an exotic timber from the open forests of Zaire, Cameroon, Gabon, the southern regions of Tanzania, and Mozambique. It is also found in the swampy forests of the Congo region. The tree is described as medium sized, and attains a height of 50 to 60 feet (15 to 18 m). The sapwood is pale yellow or whitish in color, and is clearly demarcated from the heartwood. The heartwood is dark brown, mostly black, with fine, closely spaced, very dark veins and white lines. The combination of white bands against the dark wood with black streaks gives Wenge a very attractive appearance. Generally used by Australian woodworkers as small detail items on furniture and small objects.
Yellow Box
eucalyptus melliodora
Yellow Box grows extensively on the inland slopes and tablelands of NSW and Victoria. Also known as Yellow Ironbark and Honey box, its fine textured wood varies in colour from light pinkish to yellowish brown. Difficult to work, its strength and durability make it an ideal material for use in heavy engineering, fencing and as railway sleepers. it is an excellent firewood timber and is one of the best honey trees amongst the Eucalypts


text:
CashStar to Speak on Mobile Payments Innovation at Money20/20
Panelists from CashStar, Dunkin' Brands, ACI Worldwide and The Wendy's Company to Discuss Payments Technology in the Quick-Service Restaurant Industry
October 20, 2017
|Ben Kaplan, group vice president of CashStar, Blackhawk Network
|Sherrill Kaplan, vice president of Digital Marketing & Innovation, Dunkin' Brands
|Denis Bouchard, head of payments, The Wendy's Company
|Mike Braatz, chief product officer, ACI Worldwide
|Marianne Berry, managing director of Payments Insights, Auriemma Consulting Group (moderator)
|"Wendy's & Dunkin': Payments Innovation in the Quick-Service Restaurant Industry"
|Monday, October 23 at 10:40am PT
|The Venetian Hotel
|Titian, The Venetian Level 2
|3355 Las Vegas Blvd
|Las Vegas
About CashStar
CashStar is a leading provider of merchant solutions for gift card ecommerce, supporting multiple touchpoints across the customer lifecycle. Its award-winning platform, CashStar Commerce, is a flexible, secure and market-proven solution that enables merchants to directly market, sell and distribute digital and plastic gift cards to all channels and devices. CashStar helps create great customer experiences, grow gift card revenue and drive omni-channel engagement. CashStar clients include top brands like SEPHORA, Starbucks, The Home Depot, Uber and Walmart. CashStar is a Blackhawk Network Business. To learn more about CashStar's solutions, please visit www.cashstar.com, follow @CashStar or email firstname.lastname@example.com.
CashStar Contact:
Gina Devine
fama PR


text: Take a look at this 1 1/2 story home with basement that is currently being remodeled and will be ready to move in early June. Easy access to downtown Shelton located near park & ride & Hwy 101. Just shy of 1 acre, partially fenced, Yard is being completely re seeded, fruit trees. Private well & septic. Tons of storage throughout. Great for rental income or larger family.


text:
Lady Eva
***Extra Naughty….Lady Eva enjoys duo bookings with Lilly, Ava, Imogen and Rebecca***
Descending from an Arabic state but brought up in the UK, Lady Eva is one passionate lady. She's a sensuous Leicester escort who has all the right moves to make you feel like a NEW MAN! Let her seduce you with her big loveable eyes, long thick dark hair and silky soft bronzed skin. Lady Eva not only looks fantastic but she's a naughty lady who says escorting is her 'sexy' hobby and makes her feel on top of the world. Lady Eva goes to great lengths to make sure you are utterly satisfied, choosing just the right outfit and making the atmosphere relaxing and ultra calming. Relax in this ladies arms and let all the stresses of life float away. Yes, she's that good!
This lady is immaculately dressed. She portrays the image of a corporate secretary rather than a high class escort; so it might come as a shock when you discover that she's actually a temptress. Would you like to unleash Lady Eva? Go on! I dare you! Just read her feedback and see that she is already building up quite a fan base here at Midland Belles.
With a naughty twinkle in her eyes, Lady Eva will give you a massage that will cast away all your stresses and bring you into a world of peace and tranquillity.
Lady Eva is a cultured lady and very well travelled. Escorting is a part-time affair for Eva and so it is best to book in advance. This lady lives life in the fast lane and likes adventure, confessing to me at her interview that she really wants to experiment! Just imagine arriving for a booking with Lady Eva. You're excited and you can't wait to meet her…she opens the door standing before you, her long dark hair cascading around her shoulders, just caressing the top of her blossoming cleavage. You simply can't wait to hold her, to talk to her and find out more about this beautiful lady…I'll let you finish the rest of the story:)


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Judge Nap: 'Bizarre Contortions' by Roberts in New ObamaCare Ruling
In a big victory for the Obama administration, the Supreme Court has upheld subsidies provided by the Affordable Care Act.
The challenge in King v. Burwell centered around whether health care subsidies could be provided by the federal government to residents of states that did not set up health care exchanges.
A ruling against the administration would have threatened subsidies in nearly three-dozen states. For months, though, the administration said it had no back-up plans, confident the Supreme Court would rule in its favor.
The Supreme Court previously upheld the law's individual mandate in 2012, in a 5-4 decision.
This time, the justices said the subsidies that 8.7 million people currently receive to make insurance affordable do not depend on where they live, under the 2010 health care law.
Chief Justice John Roberts again voted with his liberal colleagues in support of the law. Roberts also was the key vote to uphold the law in 2012. Justice Anthony Kennedy, a dissenter in 2012, was part of the majority on Thursday.
"Congress passed the Affordable Care Act to improve health insurance markets, not to destroy them," Roberts wrote in the majority opinion.
Opponents argued that the subsidies were designed to apply only to people who signed up for health exchanges that were "established by the state," not by the federal government.
President Obama was very outspoken on this case, saying the court should not have taken it up in the first place.
Judge Andrew Napolitano reacted on "America's Newsroom," calling out Chief Justice John Roberts for the "unheard-of" way in which he reached this decision.
Napolitano said he believes Roberts "will continue to undermine his own credibility as a fair-minded jurist because he has reached to bizarre and odd contortions in order to save this statute twice."
"This is a weird and unpredictable outcome," he said.
In this case, Roberts decided that the words "established by the state" are ambiguous. Napolitano said Roberts' stance is that the court can "correct the ambiguity according to what they thought the drafters meant."
Napolitano called the dissenting opinion from Justice Antonin Scalia "as compelling and as stinging as any dissent that I have seen."
The judge read from Scalia's dissent: "words no longer have meaning if an exchange that is not established by a state, is established by the state."
"We should start calling this law SCOTUScare," Scalia wrote.
Napolitano said there is a school of thought among appellate judges that a court "should bend over backwards to save a statute rather than to invalidate it because some very small portion of it is inconsistent with the rest."
But he said that this is not what happened today.
"What [Roberts] did was to suggest that plain, ordinary English words, which are not ambiguous in their meaning, somehow to the six of the justices in the majority are ambiguous and therefore they can interpret them however they want," said Napolitano.
He added that the court wanted to save ObamaCare for political reasons and "found a way to get there."
Back in 2012, Roberts was the tie-breaker in a 5-4 decision that upheld the law's individual mandate. He said the requirement for Americans to obtain insurance or pay a penalty was justifiable as a form of taxation.
Watch the judge's analysis above.


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Selling a home can get particularly difficult, particularly during the monetary crisis we are living by now. Persons are currently extra conscious of their funds and have been forced to pay extra attention to their expenses in order that they'll maintain the original lifestyle. Nonetheless, individuals who have some capital stashed in say that this is the proper time to invest, particularly in actual estates and houses. Prices are currently as low as they can get, so it shouldn't be a problem to Sell house fast . I've managed to sell my house fast by contacting some individuals, did what needed to be accomplished, so I managed to get the money I needed and I invested in it something else.
How did I handle to sell my house fast?
Initially, I had my house listed on the market for exactly one and a half year. I did receive a number of provides, however these weren't severe bidders, yet time wasters who supposed to make me drop the worth of it significantly. In fact, being as low as it may possibly get, I didn't settle for their offers. I had that luck that my house is in a sexy atmosphere in West Florida, quite close to the principle beach. Quickly I noticed I used to be not going to Sell house fast , as a result of I merely did not cowl the appropriate buyer base. When I contacted the native actual estate seller, he reassured me that I would like a whole lot of patience, due to the occasions being so tough. That did not satisfy me so I searched and searched online for advices. The issue was my home was not listed publically, yet only locally. Once I received it printed online, I obtained many critical presents from traders that intend to use that home for renting and having an actual estate. Clearly, I managed to sell my house fast as a result of truth it was on such an attractive position. I even acquired a couple of bidders, making them compete with each other. Lastly I received a 7% bigger earnings I initially anticipated and offered it.
Do you have to sell house fast?
After a few months it got here to me that I may need gone by my monetary difficulties at the time and move to a smaller house, making my unique dwelling a business. Unfortunately, my monetary situation was actually bad and I was approach overdue with my debts so that merely was not an option. Nevertheless, I realized one factor when I decided to sell my house fast, and that factor is gaining revenue for me every day. From the extra money I acquired from selling the home I invested in rental rooms in a resort, with a marketing strategy the place I obtained 20% of the month-to-month earnings of these rooms. This cash began piling up like crazy and shortly the financial institution gave me credit score and I've purchased a house. I exploit that home for hire at this time and thus far, it has confirmed to be quite a financial success. Before you decide to Sell house fast , take the whole lot under consideration which maybe might assist you preserve the house and use it for an additional cash source. Belief me, this business pays off.
Tips on how to sell house fast?
Unfold awareness. That is actually necessary, as a result of locally you will hardly discover anybody who will have the ability to benefit from your Sell house fast decision. By no means underestimate the value of your home. That is one thing I've saved dearly to once I decided to sell my house fast, and it was clearly a superb factor to do. Contact your local real estate dealers, as they could have a couple of contacts that may assist you.


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New food, medicine taxes prove CEOs can have terrible ideas – The CT Mirror
Taxing groceries will cause hardship for Connecticut's low-income families It should not be a struggle – and certainly not an impossibility – for families to meet their basic needs. Yet it often is, and that's why organizations like diaper banks exist. While we spend our days trying to get children the things they need to… Read More »


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Low Voltage Products and Systems
Busway and Cable Management
Busway & trunking is your ideal solution for running cable within your site. Not only are busways used for power distribution and lighting, they're also used for IT networking cables. The modular construction is easy and quick to install, can be easily upgraded when needed and offers safety/protection from live circuits.More information Less information
- Electrical Installation Guide
The Electrical Installation Guide is written for electrical professionals who design, install, inspect, and maintain low-voltage electrical installations in compliance with the standards published by the International Electrotechnical Commission (IEC 60364).Download the Electrical Installation Guide
- SE Australian catalogue Electrical distribution, automation and control, service and support.
This comprehensive PDF contains 788 pages packed with local products and specifications from electrical distribution to automation and control.Download your free copy
Have a question?Search our library of technical questions, videos, guides and answers. Find an answer
Looking for a wholesaler?A simple tool to easily locate your nearest store selling Schneider Electric products. Find your local wholesaler
Ready to order?Save time by starting your sales enquiry online. Simply chat online with our sales team or leave a message. Contact sales


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Biosensor is an important tool for clinical detection, genetic analysis, environmental monitoring, biological terror and national security defense. Recently, researchers from Shanghai Advanced Research Institute, Chinese Academy of Sciences (SARI-CAS) have developed a new type of Electrochemical DNA (E-DNA) sensor, which can achieve sensitive detection of target DNA. The result has been published in Biosensors and Bioelectronics (2015), pp.434-438. (http://www.sciencedirect.com/science/article/pii/S0956566315300646)
In the work led by Prof. Mi Xianqiang, Dr. Zeng dongdong and other researchers worked with researchers from Shanghai Institute of Applied Physics, CAS to demonstrate a novel strategy of E-DNA sensor based on DNA tetrahedral nanostructures for the sensitive detection of target DNA. The biotin-tagged three dimensional DNA tetrahedral nanostructures were employed for efficient signal amplification by capturing multiple catalytic enzymes. Such improved E-DNA sensor can sensitively detect DNA target as low as 1 fM with excellent differentiation ability for even single mismatch. Results indicated that the RTSPs-based enzyme amplification system showed much better performance than the other two typical methods, which are single-stranded DNA (SSDNA) and gold nanoparticles (GNPs).
The project was funded by 2013 Innovation Action Plan of Science and Technology Commission of Shanghai Municipality and SARI's Science Fund for Outstanding Young Researchers.


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camping recipes
RV Shows
RV Show Tips
RV Show Tips
Know how you plan to use your RV
Make sure you know how you want to use your RV. For example, do you
want it to travel across the country or for tailgating on the weekends? Do you have a favorite campground or RV park? Make sure the model you buy fits the requirements of the RV park.
Have an idea of how many people will be using the RV
The number of people that a RV can accommodate is one of the biggest factors when choosing a type and model. Make sure you get a sense for how big or small a RV feels by the number of people it can comfortably hold. Many people will come in and out of the RVs on display. Wait around for a time when the number of people you will typically hold in your RV is matched by the people in the model. This is a great chance to see who comfortable it will be after you purchase it.
Determine what features are "must haves"
The more you know about the features you desire in a RV, the more prepared you will be to see the models that meet your needs. Sticking with the "must haves" will save you money by protecting you from the desire to grow your feature list.
When you arrive at the show, take time to plan out your day.
If you know you of specific manufacturers you want to see, plan out your route
on the map. Also, make note of all bathroom locations!
Wear comfortable shoes!
You will be doing a lot of walking and standing so make sure that your footwear does not get in the way of an enjoyable experience at the RV show.
If you feel you need more guidance, check out the seminars.
Really well run RV shows will have many seminars to entertain and educate you. There may be one designed to answer your questions.
Check out the RV show location and see if you can make your trip to the show a vacation
If you want to go to a show that is not in your area, check out local attractions to make it a fun vacation trip. Look for amusement parks and sight seeing opportunities.
If you are planning on staying more than one day, you may want to make campground/hotel reservations in advance
The bigger the show the more competition you are going to have for hotel and campground reservations. Make sure that you plan early so that you can get a location that is close enough to the show to make for a desirable experience.
Have fun!
We hope you have a great time at the show! If you have more tips for us, post them in the comments section below.
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Mark Jackson
Sponsored By
Keidel: Aside From LeBron, Mark Jackson Had To Be Most DeflatedGenerally, a new coach inherits the very vulnerable team that got the prior coach fired. Which is why, aside from LeBron, the most viscerally defeated or deflated man in the building was Mark Jackson.
BLOG: Nick Foles Has A Big DayHe joined 6 other NFL quarterbacks who have thrown 7 touchdown passes in a game, becoming the second Eagle to do it.
Warriors Vs. Nuggets Preview: Faried To Start, Curry Hoping To PlayWhether the pain in Stephen Curry's sprained left ankle will subside enough for him to be on the court when the Golden State Warriors host the Denver Nuggets is not something the point guard could say for sure.
76ers Overcome Slow Start, Roll Past Warriors For a team in the midst of a grueling season-opening, five-game road trip, Philadelphia looked surprisingly fresh against Golden State.


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Originally I needed to remake this recipe for our 'Natural Soap Bath Bars - DIY' because a few people had pointed out the recipe was not working, which means I made an error while typing it out. I apologize profusely. Of course I can't locate a hard copy. (I'll keep looking) So in the meantime, I decided I … Continue reading Natural Lavender Bath Bars – DIY
Tag: natural
Solid Shave – Review & Giveaway!! {CLOSED}
Solid Shave is a natural fine shaving product in a concentrated solid form. Solid Shave's microglaze formula prevents damage from razor blades, and helps your skin stay nourished and moisturized during and after your shave. What makes Solid Shave so amazing? They are loaded with concentrated beneficial, plant-based ingredients! Organic Aloe Vera - One of Nature's best soothing … Continue reading Solid Shave – Review & Giveaway!! {CLOSED}
Winter Hands Balm – Intense Moisture Therapy.
I don't know about you, but my hands get horribly dry in the colder months. They feel like the desert, they're red and scaly and my eczema starts flaring up. This natural balm is soothing and packed with healing, moisturizing ingredients. I've been using this mix for a couple of days, putting it on as … Continue reading Winter Hands Balm – Intense Moisture Therapy.
Luxurious 'Lavender Vanilla' Herbal Bath Bombs – DIY All Natural
This was our very first time making bath bombs! We are thrilled with how they turned out! We included some of our favourite oils & salts for their skin nourishing benefits. We'll definitely be trying out different ingredients in the near future. These are perfect sleepy time bombs. Lavender helps to calm and relax us. … Continue reading Luxurious 'Lavender Vanilla' Herbal Bath Bombs – DIY All Natural
DIY – Wild Orange Creamsicle – Anxiety Relief – Bath Blend
This blend is the best kind of aromatherapy to me. It smells so warm and delicious. Not only that but the Wild Orange Oil is actually very beneficial for things like anxiety, relieving tension and nervousness, aiding with insomnia and sleep problems as well as helping to uplift your mood. I Used: Epsom Salts Orange … Continue reading DIY – Wild Orange Creamsicle – Anxiety Relief – Bath Blend
10 DIY {Natural} Holiday Ornaments!
Natural And / Or Recycled DIY Holiday Ornaments! ~ A collection of creative & beautiful ideas from around the web. Any and all of these would make adorable gifts! 1. *Rustic Snowflake Tutorial* Little Things Bring Smiles I absolutely adore this idea! SO beautiful! 2. DIY Twine Candy Cane Ornament A Night Owl What a cute & … Continue reading 10 DIY {Natural} Holiday Ornaments!
Top 50+ Uses for Coconut Oil.
Healing of nearly anything - cuts, bites, rashes, skin irritations, itchiness, the list goes on and on. Coconut oil is by far my most favorite ingredient in many things! The list is endless as to what it can be used for. I decided to compile a list of MY TOP 50 + FAVORITE ways to use … Continue reading Top 50+ Uses for Coconut Oil.
Herbal Healing Tea – Herbal Tincture – for sinus and chest infections, sore throats & coughs.
Recipe for The Herbal Healing Mama's All Natural Herbal Healing Tea. ~ Great for sinus and chest infections, sore throats & coughs. My hubby had been feeling very ill with bronchitis and so I wanted to try and help alleviate some of the suffering for him. This herbal tea has many healing properties, plus it … Continue reading Herbal Healing Tea – Herbal Tincture – for sinus and chest infections, sore throats & coughs.


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Recent Posts
Copyright© Stephanie E H. Friant. Unauthorized use or duplication of material on this site without permission from blog author is prohibited. Excerpts and links may be used if full credit is given to Stephanie E. H. Friant with links to the original content at "Sisters Under the Trees".
Tag Archives: needle felting
In Pursuit of Balance
The new year means New Year's Resolutions. Who actually makes a resolution anymore? We all know that we won't be able to keep them. But we are still supposed to hope that we can make a resolution and keep it. … Continue reading


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March 2, 2014
Posted by: Village Clerk |
March 3, 2014
Plan Commission - 7:00 p.m. - Council Chambers
Agenda Summary
- PC-02-14: A petition seeking approval of a Planned Development Amendment to construct a Starbucks, Final Plat of Subdivision to subdivide the existing and proposed outlots and Special Use to permit a drive-thru for Starbucks. The property is zoned B-3, General Services and Highway Business District. The property is located on the northeast corner of Butterfield and Finley Roads, commonly known as Finley Square Shopping Center (1500-1570 Butterfield Road), Downers Grove, IL (PINs 06-30-403-019, -020, -021). Federal Realty Investment Trust, Petitioner/Owner.
- PC-04-14: A petition seeking approval of a Zoning Ordinance Map Amendment to rezone the property from R-1, Single Family Residence District to R-4, Single Family Residence District. The property is zoned R-1, Single Family Residence District. The property is located on the northeast corner of Burlington and Francisco Avenues, commonly known as 2540 Burlington Avenue, Downers Grove, IL (PIN 08-12-110-030). Greenscape Homes, LLC, Petitioner; Mark Zuehl, Owner.
- PC-05-14: A petition seeking approval of a Final Planned Development designation, Special Use approval for a drive-through restaurant, a Zoning Ordinance Map Amendment to rezone a portion of the property from R-5, Two-Family Residential to B-3 General Services and Highway Business, a second Zoning Ordinance Map Amendment to rezone a portion of the property from R-6, Multiple Family Residential to B-3, General Services and Highway Business, and a Final Plat of Subdivision to subdivide nine lots of record into two lots of record. The property is located at the southwest corner of Florence and Ogden Avenues, commonly known as 317-327 Ogden Avenue, 4314-4322 Florence Avenue and 4325 Fairview Avenue, all in Downers Grove, IL (PINs 09-04-300-004, -005, -006, -007, -012, -028, -029, -030 and -052). Greenberg Farrow, Petitioner; Joseph Perillo and Andrew and Pamila Chernivsky, Owners.
March 4, 2014
Village Council Meeting - 7:00 p.m. - Council Chambers
Council Agenda rEmarks
NEW! Can't make the Council meeting, but would like to give your opinions/comments about this week's agenda? Give us your rEmarks! This electronic form takes about 5 minutes to complete, depending on the number of comments you have. Comments will be accepted through noon on Tuesdays and will be forwarded to the Village Council and posted on the Council Responses link below. Staff and Council will not provide a written response to questions posed in the rEmarks format.
Consent Agenda
- A. COR 00-05488 Claim Ordinance: No 6043, Payroll, February 3, 2014
- B. BIL 00-05489 List of Bills Payable: No. 6104, March 4, 2014
- C. MOT 00-05490 A motion authorizing $39,973.20 to CDW-G for the purchase of MS Office 2013
- D. MOT 00-05494 A motion noting receipt of minutes of Boards and Commissions
Active Agenda
- A. ORD 00-05468 An ordinance amending Chapter 14 of the Downers Grove Municipal Code to establish reverse commuter parking and amend parking lot provisions
- B. ORD 00-05480 An ordinance authorizing a special use for 2535 Ogden Avenue to permit construction of a restaurant with drive-through
- C. MOT 00-05477 A motion to implement the Stormwater Utility Grant Program
- D. BID 00-05486 A bid authorizing the purchase of seven (7) replacement vehicles
First Reading
- A. MOT 00-05495 A motion to recommend intersection design to DuPage County for 55th and Webster
- B. ORD 00-05492 An ordinance authorizing a special use to permit an automobile dealership at 2100 Ogden Avenue
- C. ORD 00-05453 An ordinance amending the Zoning Ordinance, Chapter 28, of the Downers Grove Municipal Code
Manager's Report
Attorney's Report
March 6, 2014
Liquor Commission - 6:30 p.m. - Council Chambers
Agenda Summary
- New Business: Oak Trace, 200 Village Drive; Mad Ape Brewing Company, 5400 Janes Avenue


text: Thursday night in tribeca Rachel Wilkins, Jonnathan Fritz, and Mike Wolf put together a fantastic art event called Conception; which is a collaborative of artists with a collective passion for the unexplored, with full intention to find and indulge in the untouched corners of the artistic psyche. Twenty-one exceptional visual artists collaborated with New York City's finest musical and design talent descending upon a truly unique underground venue in the heart of TriBeCa. The event was a total success and over 400 people showed up. The participating artist were Jack Applegate, Colleen Blackard, Zofia Bogusz, Dani Wilbert, Stephanie Deshpande, Erin Dinan, Michael Facini, Jonathan Fritz, Francis Legge, Monique Ligons, Jamie Martinez, Edward Piertrowski, Ka-Son Reeves, Nathan & Noah Rice, Chris Varthalamis, Harlan Vaugh, Jack Applegate, Tracy Von Becker, William Wacker, Timothy Wearne, Rachel Wilikins, and Mike Wolf. There was also a fashion show featuring designer Pumla Ngxekana , jewelry by Anastasia Savenko, and music by The Hampton Brothers, Mr. Tough, and Kids with Guns.. The event went deep in to the night and the crowed seemed pretty pleased. I'm really looking forward to their next event.