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Toronto has always had a very vibrant and talented hip-hop community – even before Drake exploded onto the scene. In celebration of our city's local artists, Manifesto Community and Culture was established to showcase all things hip-hop and arts-driven that Toronto has to offer.
Now in its ninth year, the Manifesto Festival has grown into a successful four-day event that in past years has featured performances and panel discussions with some of music's finest, including: Ryan Leslie (singer, songwriter, super producer), Jhene Aiko, celebrity tattoo artist Mister Cartoon and rapper Bishop Nehru.
Manifesto Community Projects is now accepting submissions for dancers, DJs, visual artists, musicians and vendors for the 2015 festival, happening Sept. 16 to 20.
Visit mnfsto.com to apply. Submissions are open until June 30th.

subset: commoncrawl


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Xmas adornments incorporate a boo of enthusiasm to some other decors. Putting together the X-mas accessories in every space of your home, embeds in the state of mind for occasions. Investing in the adornments throughout the non-holiday time is actually an excellent way of conserving some amount of money. Several of the shops supply massive discount rates on the investment of these adornments throughout the off-season. You can easily likewise make an effort some homemade Ornaments time adornments, thus go forward. Xmas accessories are actually decors often made from glass, metallic, lumber or even porcelains that are actually made use of to embellish Xmas plants, wall structures as well as shelves to induce because Xmas think to every residence.
There is actually a comprehensive selection when it concerns deciding on X-mas adornments for the decors. Staying with a style of basic decors makes certain to rating over facility as well as luxuriant ones. Therefore, whatever concept you could desire, are sure that you maintain it easy. A few of things, which one may enhance, are actually doors, staircases, terraces, inside your home, outdoors, yard, backyard and so on, likewise embellish your workplaces along with Xmas adornments on X-mas. Xmas is actually the party of a good reputation, contentment as well as delight to name a few, and also the designs aid in providing a Christmas time like feeling to the occasions.
To comprehend additional information, feel free to see https://www.photobookcanada.com/photo-gifts/ornaments
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Xmas adornments take various types, coming from a straightforward guardian doll to very imaginative Christmas time adornment layouts. They are actually generally recycled time after time, along with a couple of additional enhancements yearly instead of being actually bought yearly. A loved ones compilation frequently has a combo of readily generated accessories in addition to homemade decors developed through loved one. Such selections are actually frequently handed down as well as enhanced coming from creation to production.
While Santa Claus is just one of the absolute most preferred amounts of Christmas time decor, goodie walking sticks, fruit products, pets, snowmen, angels, dolls as well as snow visuals are actually likewise well-known selections.
For an improvement, make an effort acquiring Russian hand-crafted guardians, Santas, apple container ladies, babushkas, floral arrangement as well as much more that are actually on call as X-mas adornments as well as can easily energize your characters to the coziness of X-mas. Amazingly inexpensive and also incredibly long lasting, they can be found in a selection of dimensions and also concepts that ensures to illuminate several a Christmas time in your house.
As it is actually for me, I feel, for lots of people all around, Xmas is actually the busiest season as well as seeking distinct, first class, and also initial tips for Xmas presents and also X-mas designs may be quite hard along with quite lengthy. Prior to the real day of festivities, the Christmas time designs declare the appearance of the holiday. It is actually certainly not unique for individuals to obtain active purchasing add-ons, appearing as well as dealing with concepts for design and also the household converging to aid attire your house in fineries. Though Xmas design is actually an older practice, for many years it has actually progressed lucky of a worldwide sensation.


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DescriptionA pale Amethyst from Uruguay.
I like how they cut it flat on the bottom so it sits nicely on its own and cut flat sides.
They left the sides rough instead of giving it a high polish.
This piece is approx. 2 1/8″ X 2″ X 2 1/8″ high.
Supplier of rocks, minerals, fossils and more!
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Please Note: This article is written for users of the following Microsoft Word versions: 2007, 2010, 2013, and 2016. If you are using an earlier version (Word 2003 or earlier), this tip may not work for you. For a version of this tip written specifically for earlier versions of Word, click here: Clearing All Tab Stops.
by Allen Wyatt
(last updated May 7, 2016)
There may be times when you want to clear all tab stops for a certain paragraph. For instance, you may decide that you want to reset all the tabs—it is just easier to start with a clean slate, so to speak. To clear all the tab stops for a paragraph, follow these steps:
Figure 1. The Tabs dialog box.
For those who like to stick to keyboard commands, you can also use Ctrl+Q to remove tabs. Either place your cursor in the paragraph that you want to adjust, or select the whole document with Ctrl+A to remove the tabs from everything. Just note that this command will remove all direct formatting to your paragraphs and reset it to the formatting defined by the style. (If the style contains tabs, then those will not be removed). This approach will not remove any character-level formatting.
WordTips is your source for cost-effective Microsoft Word training. (Microsoft Word is the most popular word processing software in the world.) This tip (7335) applies to Microsoft Word 2007, 2010, 2013, and 2016. You can find a version of this tip for the older menu interface of Word here: Clearing All Tab Stops.
The First and Last Word on Word! Bestselling For Dummies author Dan Gookin puts his usual fun and friendly candor back to work to show you how to navigate Word 2013. Spend more time working and less time trying to figure it all out! Check out Word 2013 For Dummies today!
Need to delete some tabs tops in a paragraph? It's easy to do using the Tabs dialog box, as described in this tip.Discover More
Adding dot leaders to your text is easy through the application of tab stops. This tip explains the steps you need to ...Discover More
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I have decided that I no longer go to sleep or wake up alone. I have woken up so many days lately with topics and important points to talk about in my sharings… as if someone has already started the dictation before I even wiped the sleep out of my eyes. I know it is the Guardians… and I know the Guardians are You. So let me just say thank you for leaving a little room in my bed for me, but at least let me grab my coffee before we start yapping together! (smile) Continue reading
Comments Off on Lisa Gawlas – Let Go Of The Past And Face Your Present! Please. – 2 March 2012
Tagged 2 March, 2012, Disclosure, Earth, Let Go Of The Past And Face Your Present! Please., Lisa Gawlas, spiritual, Spiritual evolution, World
Prilon, My High Self
[Hello Prilon.] Hi Suzy, I am here to say that we are evolving into One. [You and I or we and All?] We and All and you and I. Universally we are transcending the timelines and we are melding into one consciousness. Continue reading
Comments Off on Suzanne Poulson Spooner – Prilon & My High Self – 2 March 2012
Posted in Article, channelings, reblog
Tagged 2 March, 2012, channeling, channelings, God, Prilon & High Self, spiritual, Spiritual evolution, Suzanne Poulson Spooner, Suzanne Spooner, World
Must see video. With judge Napolitana.
Uploaded 29th Febr. 2012 by 2012sprint.
Tagged 2 March, 2012, Bloomberg, Criminal charges, Disclosure, Earth, Fox News, Judge Napolitano, news, spiritual, Spiritual evolution, Time Geitner, video, World, YouTube
God said:
When you feel that you have too much to do, know that that feeling is something you learned. You learned to be overwhelmed. You learned it. Now learn that you can accomplish everything. Give yourself credit. Why hobble yourself?
You can get everything done. You can get everything done better when you give yourself credit. Continue reading
Comments Off on Gloria Wendroff – The Heaven Letters – Hours In The Day – 2 March 2012
Posted in Article, channelings, reblog
Tagged 2012, channeling, channelings, Disclosure, During The Wating Interi, Earth, Gloria Wendroff, God, Hours In The Day, spiritual, Spiritual evolution, The Heaven Letters, World


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To register for MyChart, our patient communication and information system, please choose from the following options:
If you have an activation code from your enrollment letter/provider:
Don't have a code?
To register for MyChart, our patient communication and information system, please choose from the following options:
If you have an activation code from your enrollment letter/provider:
Don't have a code?
Need Care? Your primary care physician is still accepting phone and video visits. Virtual visits available 24/7; use code HOME20 for one $20 visit. Walk-in and online appointments temporarily unavailable. For other care needs, including concerns about COVID-19 symptoms or exposure, call 317-621-5500 to be directed to care. In Anderson, call 765-298-4240. In Kokomo, call 765-776-3990.
Visitor Restrictions: In an attempt to prevent the spread of coronavirus (COVID-19), no visitors are allowed at Community hospitals or other care locations, with few exceptions. See restrictions.
More COVID-19 Info: For more information and coronavirus resources, see our COVID-19 FAQ.
A mammogram is a safe, low-dose x-ray of the inside of your breasts, which can show changes too small to be felt by touch. This procedure requires compressing the breasts firmly between a plastic compression paddle and the film. This vigorous compression is essential in imaging your breasts to decrease the radiation dosage and obtain clear pictures of the inside breast structures.
There may be temporary discomfort with your breast compression, but most patients experience only a pressure sensation. Many women tell us that the experience is not as painful as they had expected. Breast compression is not dangerous and will not damage the breast tissue. Breast compression will not cause breast cancer.
We offer convenient breast screening locations in east, west, north and south Indianapolis, Kokomo and Anderson, some with evening and weekend hours.
Additional services—3D mammography, diagnostic testing, breast MRI and bone densitometry—are listed by each location.
Find what's best for you and make the call!
We offer 3D mammography, a revolutionary new screening and diagnostic tool designed for early breast cancer detection that can be done in conjunction with a traditional 2D digital mammogram.
For a 3D mammogram, a computer produces a 3D image of your breast tissue in one millimeter slices. The radiologist can scroll through images of your entire breast like pages of a book. This helps the radiologist see breast detail in a way never before possible to gain a better understanding of your breast tissue during screening and feel confident in their assessment. There is also less chance your doctor will call you back later for a 'second look' because they can see the breast tissue more clearly.
Lynne's Story: The Power of 3D Mammography
A screening mammogram is scheduled when a woman requires a routine mammogram. She is not experiencing any breast problems or symptoms and has no current history of breast disease.
A diagnostic mammogram is scheduled when a patient is experiencing new breast symptoms (a new lump, new nipple discharge, skin thickening or dimpling) as additional evaluation or short-term follow-up of recent breast problems.
A breast ultrasound is a painless technique that uses sound waves to visualize the internal structures of your breasts to identify fluid-filled cysts or solid nodules. Since ultrasound best detects certain types of problems under very specific conditions, it is not necessary for every woman to have this test.
It is approved for all women who would be undergoing a standard mammogram, in both the screening and diagnostic settings.
Mammography screening refers to the routine practice of breast evaluation by an x-ray in women who have no apparent symptoms of breast cancer. Mammography screening seeks to detect breast cancer at early stages of development, resulting in more treatable options.
In 1992, the U.S. Congress passed the Mammography Quality Standards Act to ensure that mammography performed at more than 10,000 facilities throughout the country is of high quality and is reliable.
A certificate issued by the U.S. Food and Drug Administration must be displayed prominently at each facility in order to lawfully perform mammography. This certificate serves as evidence that the facility meets these standards.
For most women, mammography screening should begin at age 40 and be repeated yearly.
Effective January 1, 1998, Medicare will pay 80 percent of the allowed amount and waive the deductible amount for screening mammograms every year for patients over age 40.
The mammogram should be scheduled when the breasts will be the least tender. Women are asked to wear two-piece clothing to make undressing more convenient.
You will be asked to undress from the waist up only and to remove any deodorant and/or powders from the breast area. The mammogram will be performed by a specially trained radiologic technologist.
You will stand next to the x-ray machine and two flat surfaces will then compress each breast individually for a few seconds. Compression is necessary to produce the best picture using the lowest amount of radiation possible. It may feel slightly uncomfortable.
Cancer risk means the possibility of developing the disease. Individual, medical, environmental and genetic factors are known to increase a woman's chance of developing breast cancer. Every woman has some degree of risk for developing breast cancer simply because she is a woman. However, the risk is not the same for all women.
Mammography remains the single most effective method to detect breast cancer early. However, no medical test is always 100 percent accurate, and mammography is no exception. Research is underway to improve the technology which will lead to better accuracy.


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Even though automatic transmission vehicles are now the new wave. In this short guide, we'll quickly show you how to change gears in a manual transmission car!
A manual transmission requires more skilled drivers to handle every situation. Driving uphill might have been already a hard job for automatic car drivers; maneuvering this type of terrain on a manual is ev...
Car vibrations from engaging the reverse gear can be caused by several factors including worn engine and transmission mounts. Check out how to figure it out!
Get the hang of driving a stick shift, or manual transmission cars in these easy-to-follow steps. You'll soon know how to drive a manual car after few hours practicing!
If you don't know what happens when you press the brake and clutch pedals at the same time, then you should read this article now!
Your ability to understand how your manual car works will help you figure out what causes the car to stall.
Driving a manual car to climb a hill without hiccups is not an easy task, but these tips will help you overcome it in the smartest way.
For a manual transmission, the way you manage the clutch and gear directly affects the engine, both positively and negatively.
How many of these bad habits do you have?
For those who love the excitement of being at the wheel of a manual car, this article is for you to avoid 5 bad habits that ruin your manual transmission.
Auto Network (Nigeria) Company Ltd.
Location: No 7 James Robertson Street Off Alhaji Masha road Surulere, Lagos Nigeria
Tel: +234.909.197.7476 | Email: firstname.lastname@example.com


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Mama's Boy Bakes at Amoy Street Food Centre Big ideas always start with a small one. For Fahmy and Samuel of Mama's Boy Bakes, it began with an Instagram account: @mamasboybakes. The home-based kitchen…
Halal Hawker Reviews Western
Cafe Reviews Halal Western
Craze Kitchen Review: New Halal-Certified Cafe Serving Cheap Western Food In Tampines
Check out Craze Kitchen at Tampines Just like most Asian people, carbs are a staple part of my diet. I love how they come in different forms, such as rice, bread, and noodles. My…
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Sama Sama at Jewel Changi Airport I first heard about Sama Sama during the early days of Jewel Changi Airport's opening. At a time when Shake Shack and A&W queues were at all-time highs,…
Cheap halal food with huge portions Having a huge appetite usually means that regular servings aren't enough to satiate my hunger. Whenever I order dishes such as nasi lemak, I'll always have to tell…
Halal Restaurant Reviews Thai
Sedap Mania Review: New Halal-Certified BBQ Steamboat With Dishes From $1.50+
Sedap Mania for cheap mookata and hot pot Fun fact: Before Astons had restaurants scattered all around Singapore, it was just a simple hawker stall serving affordable Western food. They have since expanded with…
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Omar's Halal Thai Beef Noodles Review: Cheap And Good Halal Thai Food Found Near MacPherson
Omar's Halal Thai Beef Noodles doesn't compromise on quality There are too many stalls in Singapore serving up Thai food that don't stay true to the authentic Thai flavour. Places that attempt to cater…
Halal Restaurant Reviews
Jalapeño South-West Review: Muslim-Owned Mexican Restaurant With Cheap Tacos And Burritos At Clementi
Jalapeño South-West is a flavour fiesta Pork dishes like carnitas and al pastor are considered cornerstones of Mexican cuisine, commonly filling up tacos and burritos. That explains why finding legit halal Mexican food in…
Halal Overseas Guides
Kafe Eat & Repeat Review: $0.60 Nasi Lemak, Mee Rebus, And Soto In Johor Bahru
Kafe Eat & Repeat – everything at RM1.90/~S$0.63 As if finding Korean BBQ buffet that costs RM24/~S$7.97 at JB Mount Austin wasn't enough, we also managed to score ourselves another cheap and good find…
Halal Hawker Reviews Indian
Ali Nachia Briyani Dam Review: OG Dum Briyani From Tanjong Pagar Railway Station
Ali Nachia Briyani Dam at Tanjong Pagar Plaza The now defunct Tanjong Pagar railway station holds a special place in my heart. Most of my Sundays during primary school were spent marvelling at the…
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Yu Long Quan Review: Halal Salted Egg And Chilli Crab Xiao Long Bao At Changi Airport
Yu Long Quan at Terminal M After walking through the expansive glass doors at Terminal 3 and taking the elevator down to B2, we arrived at Terminal M. In the aviation-themed food court were suitcases…


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Like to outreach themselves
Efficient stacking is always a question of level – in this case the highest of all! The STILL high lift pallet truck is master of its trade. From perfect racking service up to the efficient loading and unloading of lorries. Even difficult application conditions do not become a burden.


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Vietnam national team head coach Park Hang-seo has been slapped with a four-match suspension by the Asian Football Confederation (AFC) for an incident during the SEA Games 2019.
The incident in question occurred during the final of the men's football competition at the 30th Southeast Asian Games where Vietnam took on Indonesia and Park's player Nguyen Trong Hoang was tackled by an opposition player prompting no action from the referee.
This led the South Korean tactician to begin a war of words with the fourth official and then the referee until he was shown a red card and expelled from the final, that the Golden Dragons went on to win 3-0 at the Rizal Memorial Stadium in Manila, Philippines.
Tran Dinh Trong sees red to cap off Vietnam's miserable night against DPR Korea
The AFC noted that Park hand used "offensive, insulting and/or abusive language towards the referee(s)" and was engaged in "serious Infringements punishable by an expulsion" under Article 47 of the AFC Disciplinary and Ethics Code.
It added that Park is suspended for four friendly matches of which he has already served one due to the suspension during the SEA Games final.
"Park Hang-seo is suspended for four (4) friendly matches, which includes the one (1) automatic suspension arising from his expulsion in the match Indonesia vs. Vietnam on December 10, 2019," the AFC noted.
The Vietnam head coach will also have to pay a fine of US$ 5,000. A repeat violation of this provision may be met with more severe punishment, the AFC added.
Vietnam's next international friendly is scheduled to be held next month when they will take on Iraq.


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21 March 2020
Spire Healthcare has announced that it has dedicated its hospitals and resources to the NHS to support the fight against…
We welcome your views on our website and invite you to take part in a brief survey when you've finished your visit.
Your response will help us improve the site and the experience we offer to visitors.
Consultant Orthopaedic Hip and Knee Surgeon
MB ChB, FRCS Ed (Tr & Orth), Dip IMC RCSEd, MSc (Ortho Eng)
Specialises in
An initial consultation with Mrs Joanne Banks is from £180.
Some of the principal treatments carried out by Mrs Joanne Banks at Spire include:
I'm a Consultant Orthopaedic and Trauma Surgeon at The Royal Liverpool and Broadgreen University Hospitals.
I specialise in hip and knee surgery but in particular arthroscopic/sports injuries.
I am the Educational Supervisor for the higher surgical trainees in the Royal Liverpool and Broadgreen Hospitals and organise the Medical Student orthopaedic teaching programme. I regularly teach Advanced Trauma Life Support, Advanced Life Support, and Basic Surgical Skills around the country.
General Medical Council Number: C4440891Back to top
Consultant Orthopaedic and Trauma Surgeon, The Royal Liverpool and Broadgreen University Hospitals
I am a member of the event medical team for the British Judo Association and have been an active member of St John Ambulance for over 20 years.
|For appointments at Spire Liverpool Hospital 0844 499 0617
|Private secretary
|Clare Vandewaal
|Private secretary telephone
|0151 522 1860
|Private secretary email
21 March 2020
Spire Healthcare has announced that it has dedicated its hospitals and resources to the NHS to support the fight against…
04 March 2020
Ovarian Cancer Awareness Month runs throughout March.


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Day Programs
● All Education programs are available September - June
● Education classes are typically 90-minute programs that include a lesson, tour of the farm and animal
● Programs are $220 for up to 30 students and 5 adults
● Our education classes are STEAM (Science,Technology, Engineering, Agriculture and Math) based as well as
aligned with state and national science education standards.
● Farm education staff are experienced educators that generate excitement and create a positive learning
● If requested, programming can be customized with a more specific focus on certain concepts or skills or
extended in length.
Education Field Trip Program Offerings
EGG-cellent Chickens: We still don't know which came first—the chicken or the egg? Let's explore the fantastic life cycle of a chicken. During this program, students will identify different breeds of chickens, examine physical characteristics, and determine the stages of a chicken's life cycle.
Available Fall, Winter and Spring
Grass to Cheese: Follow the flow of energy from the sun to the cheese that we eat. This class looks at the grass on the farm, the cow's unique ruminant digestive system and the subsequent milk that is produced and made into
Available Fall, Winter and Spring
Farming 101: Learn the basics of what it takes to keep a farm and the animals healthy. This program breaks down the different areas of the farm from the garden, barns and pastures to the different groups of animals that live here. We explore the land, tools and skills that are necessary for a functioning dairy farm.
Available Fall, Winter and Spring
Wetland, Creek and Forest Exploration: The natural areas around our farm contribute to the overall ecological health of the farm and creek. As a tributary to the Hudson River, Sprout Creek is an important part of our farm. The local wildlife plays an important role in shaping our farm and the practices of our farmers. This program looks at the natural landscape and the ways we care for our farm property.
Available Fall and Spring
Seed to Plant: This program focuses on our garden and the plants grown at a farm for food. From seeds to edible foods, we look at the various stages of planting, harvesting and preserving food. The parts of a plant (stem, leaves, roots, and fruit) are examined with hands-on garden activities.
Available Fall and Spring
Winter - In the winter the focus of the program is on preserving the harvest and indoor micro green planting
Cheesemaking: ADDITIONAL $20 fee - Our cheesemaking class allows students to learn the science behind turning cow's milk into cheese. This program starts with a look at the diet of the cows and follows the milk produced by the cows, all the way to a final product. In addition to the actual cheesemaking process, students will learn the history of cheesemaking and the micro organisms that make it all possible.
Careers on a Farm: This college and career readiness-focused program looks at the many different opportunities and skill sets that make a successful farm. Every aspect of the science behind food production on a farm is explored through hands on activities, using the tools of the trade and exploring the behind-the-scenes areas of Sprout Creek Farm.
Available Fall, Winter and Spring
All of our programming can be modified to support your curriculum. Our farm offers an experienced education department staff that understands both the interdisciplinary needs of programming as well as the needs of differentiated learners. We will work with your individual class' needs as well as the curriculum goals of your institution.


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4 Blank Gift Cards with envelopes printed on recycled card stock.
Images are reproducitons of original hand printed Etchings inspired by literary greats.
Elizabeth Gilbert's The Signature of All Things, Jeanette Winterson's Daylight Gate, Edward Lear's The Owl & the Pussycat and Barbara Kingsolver's Prodigal Summer.
Gift Card Pack - The Literary Selection


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Earlier this morning it was reported that Ole Miss Rebels linebacker Denzel Nkemdiche was in the ICU after being found earlier this week when he failed to show up to the team's practice. There were very few details regarding his condition.
This afternoon, Ole Miss released a statement on the situation that has not provided any clarity to the rumors or speculation around the web.
Rebels head coach Hugh Freeze simply said that Nkemdiche was dealing with a "personal matter."
"We are going to walk through it with him," Freeze said. "When issues come up that you need to get through that involve one of our players and anything with their family, we just want to support them and help them through it."
Dr. Sunday Nkemdiche, Denzel's father, said that his son is expected to be released from the hospital today.
"Denzel's condition has improved as of today, and he will remain in the hospital. His well-being is all that matters right now, and we are making sure he receives the highest level of medical care. While his condition is not life-threatening, he will not play this weekend. We thank the Ole Miss family for their concern and encouragement, and we appreciate everyone respecting the family's privacy during this time," his father said.
We continue to wish Nkemdiche the best on his road to recovery.
Can't get enough of Campus Sports? Follow us on Twitter, Facebook and Instagram to stay updated with the latest news and exclusive giveaways!
*Featured Photo (above) credit to USA TODAY Sports


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Eve Rapess-Fitzpatrick
Eve is a Certified Occupational
Therapist who graduated with an Associate in Applied Science in
Occupational Therapy in 1998 from SUNY Rockland Community
College. She was inducted in Phi Sygma Omicron of two years
colleges. She previously attended C.U.N.Y. at Hunter College,
N.Y., where she majored in Communications. She has also received
Certification in Weight training from the International
Weightlifting Association. She has trained under In Touch
partner, Carol Hohowski and has worked in hand therapy since
2001. Eve has vast experience providing Occupational
Therapy at subacute rehabilitation facilities since 1998. She
has worked primarily with stroke and neurologically and
orthopedically impaired adults and children. She has lectured on
osteoarthritis and treats those with rheumatoid arthritis as


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The Federal Housing Administration (FHA) and National Homebuyers Fund offer their own programs for home buyers. Yet, there are many other government assistance programs available locally in the county, city, and even zip code level. As such, it's always worth checking to see the specific offerings available in your desired area.
Government loan programs aim for the following long-term benefits at the. Housing Loans and Grants program offers capital for development.
. will share in the gains and losses in home price value as part of its new shared-equity mortgage program for first-time homebuyers. The outline of program was first announced as part of the.
In addition to federal government mortgage assistance, some private lender and state programs exist to help homeowners overcome mortgage hardships. California has five such programs and helps homeowners determine which program they qualify for based on their financial needs. The Home.
Other Programs Several other less-popular loan programs are backed by the government or government agencies. For example, VA loans are available to servicemembers and veterans, and USDA loans offer up to 100% financing for certain borrowers in rural areas.
However, thanks to the Government housing programs, there are low income home loans designed to help low income families get approved for a home loan. First-Time Homebuyer Grants and Down Payment Assistance. The HUD website has various grants and programs for first-time buyers and low-income families.
Competitive home loan programs offered to a variety of government employees. This includes special mortgage programs for a variety of different types of government employees, such as offered through HUD and the FHA. Depending on what type of government employee you are, we will help you determine what is the best home loan program for you. Our loan programs include conventional, FHA, VA, USDA, and jumbo home loans.
Pennsylvania Home Buyers Assistance Mortgage Companies First Time Home Buyers Best mortgage lenders for first-time home buyers: review Overall for first-time homebuyers. Face-to-face service for first-time homebuyers. No credit history as first-time homebuyer. Low credit score as first-time homebuyer.Pennsylvania Home Buyers Assistance program. 965 likes. finding you the right program to fit your home buying budget needs.
The Department of Housing and Urban Development (HUD. is actively generating a small amount of revenue for the federal government. The budget subsidy for the forward mortgage program also currently.
First Time Buyer Options Whether you're just thinking about buying a home or about to close, we help you take control of the process.. you're ready to start home shopping in earnest. Now is also the time to start exploring loan choices and meeting with lenders.. Get official loan offers from lenders, compare your options, and choose the loan offer that's right.
Home Loan Programs Available To Seniors. Homes are central to everyone's daily life, and as a senior, it's no different. Whether you are looking to buy a new home, downsize your living situation, move to a retirement community or get equity out of your home, there are several options for you to explore.


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Learn To Skate With Skate Club
❶Make sure you come and give it a go! Do you want to be sanctioned by the VSA? Today's the day!
Totally up to you! These clinics will run in two 45 minute sessions over 2 hours and equipment can be provided.
We run clinics over Come and meet these amazing athletes absolutely smashing it right now, and right in your backyard! Sign Up. And big shoutout to our amazing action sports crew for running such an awesome spl! We can Traralgom equipment for use but you are welcome to bring your own too!|Free skate, scoot, and bmx clinics across the Latrobe Valley!
Clinics are free open sessions where you just hang out, skaate, maybe learn some new skills from Traralgon free skate coaches, and Traralgon free skate fun. These clinics will run over 2 hours in freee minute sessions.
We also provide group coaching for women and gender diverse individuals on request, so come on down and give it a crack!
Latrobe Streetgames Skate Park Competition
Den Lim.]VSA Skate Club is a supervised lesson based skateboarding program. With an emphasis on fun, our aim is to get kids active in a social and supported setting.
Skate Club is perfect for girls and boys who enjoy sport in a non-competitive environment, our program is ideally suited to beginners and or intermediate skateboarders. Click here for more information on joining your local skate club. As most skate parks are owned and managed by Local Governments, its recommended that you get Traralgn contact with your Local Government Council to try and arrange these activities.
Are you a skate Coach or skate lesson provider? Do you want to be sanctioned by the VSA? Conditions apply.
Skateboarding like most other physical activities is inherently dangerous. The VSA recommends the following to help reduce the risks to you and.
Public Sessions & Pricing Traralgon
Therefore the VSA asks that you please consider the following recommendations. The VSA highly recommends you seek permission or consult stakeholders before sessioning on private property. To become the king of your domain these simple steps apply:.
Follow the traffic flow At parks, skaters will tend to go in Trarxlgon direction towards an obstacle.
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When things are getting hectic skxte important to be aware of what others are skating and the path lines they are taking. Simple tips such as a wave or eye contact can help with knowing when to wait or go. Help each other out If you Traralgon free skate someone trying to land a trick over and over again — help them out Escorts near Armadale you know what they need to change — for example if their foot positioning is wrong.
Public Sessions. WHEELZ WORLD IS OPEN ON SUNDAY'S – 10am to West Hobart massage You are welcome to bring your own soft rubber wheeled Roller Skates, Valley and beyond, including Traralgon, Trafalgar, Morwell, Churchill, Warragul and Sale.
VSA Skate Club is a supervised lesson based skateboarding program.
Learn To Skate Traralgon
is sort for injuries; Consider others and be courteous when skating in public spaces. Traralgon South we're coming for you! Traralgon South CAT's Cricket club and skate bowl tomorrow from Free food, spikeball, dodgeball, streetsoccer, and.
Come and experience what it is like to have frozen dots start melting in your mouth! Hire Equipment.
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Quick Facts. No bookings required Stay as long as you like! Download Brochure. Conditions of Entry. All of the staff working were incredibly helpful, accommodating and friendly.


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The quick-fix batter of Mini Rava Vegetable Pancakes, is made of semolina, curds and veggies requires no fermentation and can be cooked immediately. The best part is that these super tasty Mini Sooji Vegetable Pancakes also look very attractive when made using a mini uttapa pan, so kids will be eager to bite into them.Aside from Rava Vegetable Pancakes check our collection of Indian pancake recipes.Enjoy how to make Mini Rava Vegetable Pancakes recipe with detailed step by step photos and video below. Mini Rava Vegetable Pancakes recipe - How to make Mini Rava Vegetable Pancakes Tags Kids RecipesBreakfast Pancakes, ChillasIndian Pancakes Evening Tea SnacksIndian Birthday PartyQuick Snacks / Quick StartersQuick Recipes for Kids Preparation Time: 10 mins   Cooking Time: 15 mins   Total Time: 25 mins     Makes 14 mini pancakes Show me for mini pancakes Ingredients For Mini Rava Vegetable Pancakes1/2 cup semolina (rava / sooji)3 tbsp curd (dahi)2 1/2 tbsp finely chopped onions2 1/2 tbsp finely chopped capsicum3 tbsp finely chopped coriander (dhania)2 1/2 tbsp grated carrot1/2 tsp green chilli paste2 pinches sugar salt and to taste oil for greasing and cookingFor Serving With Mini Rava Vegetable Pancakes green chutney Method For mini rava vegetable pancakesFor mini rava vegetable pancakesTo make mini rava vegetable pancakes, combine all the ingredients in a deep bowl along with approx. ¾ cup of water and mix well.Heat a mini uttapa pan and grease it lightly using little oil.Pour a spoonful of the batter in each uttapa mould to make a 75 mm. (3") diameter round.Cook them on a medium flame, using little oil, till they turn golden brown in colour from both the sides.Repeat with the remaining batter to make 7 more mini pancakes.Serve the mini rava vegetable pancakes immediately with green chutney. Nutrient values (Abbrv) per mini pancakeEnergy47 calProtein0.8 gCarbohydrates4.5 gFiber0.2 gFat2.8 gCholesterol0.5 mgSodium2.9 mgClick here to view calories for Mini Rava Vegetable Pancakes Mini Rava Vegetable Pancakes Video by Tarla Dalal Mini Rava Vegetable Pancakes recipe with step by step photos Like Mini Rava Vegetable Pankcake Mini Rava Vegetable Pankcake is a healthy quick and easy snack recipe which can be had along with mint chutney. If you like the recipe given below are the links to similar recipes : Baked spinach pancakes Bulgar wheat pancakes Buckwheat pancakes Batter for Rava Vegetable Pancake For making the Mini Rava Vegetable Pankcake, in a deep bowl, take semolina. Add 3 tbsp of curd. I have made use of fresh homemade curd made using this detailed recipe with step by step images of dahi Add finely chopped onions. Add finely chopped capsicum. To make the Mini Rava Vegetable Pankcake colorful, also add bell peppers. Add finely chopped coriander. Instead of adding all the vegetables to the batter, you can top the plain rava batter with a mix of various vegetables. Add grated carrot. Also, you can add grated beetroot or cabbage. Add green chilli paste. To make it spicier, add more green chilli paste. I have an air-tight container filled with Green chilli paste stored in my refrigerator always. Add 2 pinches sugar. Skip if you want but, it helps in giving a beautiful brown crust to the Mini Rava Vegetable Pankcake. Add salt and freshly ground black pepper. Add approx. ¾ cup of water. If mistakenly you add more water and the batter looks very runny then add a tbsp of sooji. Combine all the ingredients in a deep bowl along and mix well to form a pouring consistency batter. Our batter to prepare the Mini Rava Vegetable Pankcake is now ready. How to make Semolina Vegetable Pancakes To prepare the Mini Rava Vegetable Pankcake, heat a mini uttapa pan and grease it lightly using little oil. Ghee/butter can also be used as a substitute.If you do not have a mini uttapam pan then make use of a regular dosa tava and make small pancakes. Pour a spoonful of batter in each uttapa mould to make a 75 mm. (3") diameter round. Cook them on a medium flame on one side. Flip and pour little oil. Cook till they turn golden brown in colour from both sides. Remove the Mini Rava Vegetable Pankcake in a plate. Repeat with the remaining batter to make 7 more instant mini rava uttapam. Serve the mini rava uttapam immediately with green chutney.


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Product Code: FS6
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I love Phalaenopsis but I find it difficult to care for but I bought 12 of that last week. All in blooms but the 5 have bad roots it is potted in soft clear plastic pot with coco coir as potting medium. So after cleaning I repotted it in clay pot using CBC, charcoal and sphagnum moss because that would be safer and easier for me to avoid over watering. Will these change of potting medium affect the Phals? The 5 are in bad condition the leaves are not that firm which is how I bought it. I thought it was just really like that until I bought the other 7 that were healthy. But just the same , I used the CBC, charcoal and sphagnum moss medium.
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Waco Ottoman
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Waco Ottoman
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Product Description
Add a touch of comfort to your space with this classic ottoman. This design features a comfortable cushion that will stay firmly in place, providing a relaxing place to kick your feet up and relax. Welt detailing provides a subtly tailored appearance. Short, tapered wood legs finish off the piece with a bit of flair. It is available in several fabrics and will be the perfect addition to your home. Pair it with the matching Sofa, Loveseat, or Chair to complete the collection.
- Solid construction with kiln-dried wood and sturdy steel springs.
- No assembly required.
- Handcrafted in the USA of domestic and imported materials
- Spring Type: Sinuous
- Included: 2 Throw Pillow(s), 1 Ottoman(s)
- Features: Removable Cushions, Quick Ship
- Joinery: Nailed
- Maximum Weight Limit: 250 Lbs
- Ottoman Measurements: 19 Height/Inches, 27 Depth/Inches, 37 Width/Inches
- Seat Depth: 27 In
- Seat Height: 19 In
- Weight (lb.): 32 Lb
- Assembly: Assembled
- Base Material: 100% Wood
- Fabric Description: Woven
- Filling Content: 100% Poly-Foam
- Outer Surf Material: 84% Polyester, 16% Cotton
- Wood Finish: Walnut
- Care: Spot Clean
- Decor Styles: Farmhouse
- Country of Origin: Made in US
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Asheratis are geographically established people who live below the sands and dusts of suitable wastelands rising to the surface to hunt for food, socialize and trade with other races, and make war upon their enemies. As merfolk are to the sea, asheratis are to the sands.
Asherati Racial TraitsEdit
- Medium: As a Medium creatures, asheratis have no special bonuses or penalties due to size.
- Asherati base land speed is 30 feet.
- +1 Natural Armor: An asherati's skin is thick, so it can stand up to the scrape of sand.
- Natural Dryness (Ex): Asheratis drink water, but they are very dry creatures. To survive, they need to drink only one-quarter the amount of water per day that humanoids of their size normally require.
- Sandswim (Su): As a merfolk is to the sea, an asherati is to sand, ash, dust, and even softsand (but not slipsand, packed dirt, or rock). An asherati can sandswim through such materials at his land speed while wearing light armor or carrying a light load. His speed drops to 5 feet if an asherati wears heavier armor or carries a medium load. An asherati cannot make any headway through the sand while carrying a heavy load. An asherati breathes normally while under the sands. This supernatural ability doesn't allow an asherati to breath in mediums other than sand, dust, or ash, nor does it allow an asherati to hold its breath longer than normal in the water or dangerous gases.
- Body Lamp (Su): An asherati can make his skin glow at will, providing bright light out to 60 feet and shadowy illumination out to 120 feet. In a medium of loose soil, such as sand, dust, or ash, a peculiar quality of the light allows an asherati to make out solid objects up to 60 feet away. Under the sand, this light is sufficiant for navigation and general identification of objects, but not for reading, recognizing individuals, or other similar feats of finer perception. This ability does not allow an asherati to see invisible creatures or creatures with concealment more easily than normal. Other creatures in the sand with an asherati do not gain this special sight, but they can see the sand take on a warm orange glow. Once per day, as a free action, an asherati can bring his skin up to full brilliance so rapidly that it can dazzle all creatures within 30 feet for 1 minute. Creatures can avoid this effect with a successful fortitude save (DC 10+1/2 the asherati's character level + his Cha modifier).
- Heat Endurace: Asheratis gain Heat Endurance as a bonus feat
- Weapon Familiarity: Asheratis treat the eagle's claw as a martial weapon rather than an exotic weapon.
- +2 racial bonus on Move Silenty and Hide checks (an asherati cannot Hide while his skin glows). If in a sandy area, an Asherati receives an additinal +2 racial bonus on Hide checks.
- Water Vulnerability: Asheratis hate being too wet, and their dry bodies absorb water rapidly when they are submmerged. If completely wet, an asherati takes a -1 penalty on all attack rolls, ability checks, and skill checks. If an asherati is immersed in water, he cannot hold his breath and must immediately begin making constitution checks to avoid drowinging.
- Automatic Languages: Asherati, Common
- Bonus Languages: Bhuka, Goblin, Giant.
- Favored Class: Rogue
Asheratis are a quiet people, given to reflection and long retreats from the presence of their fellows. However, every asherati acknowledges the value of community and fellowship, and each retreat is followed by a return to a sand-shrouded village where friendships are renewed and the needs of the community are met.
Physical DescriptionEdit
An asherati appears as a humanoid with smooth skin the color of rust. An asherati can make its skin glow as if with an inner fire, giving off a piercing illumination that suffuses through sand. an asherati has no body hair and eyes the color of ivory. The lithe asherati is a graceful swimmer of the dunes and thus eschews excessive clothing or equipment, wearing only minimal, skin-hugging garments for modesty's sake. Some asheratis wear tight leather armor, streamlined so as to not hinder their progress through the sands. A typical asherati stands between 5 and 6 feet tall and weighs about 170 pounds.
Asherati delight when nomads, caravans or travelers of almost any race appear in sands above their homes--by day, asherati merchants trade their wares, while at night asherati rogues silently ascend and try their hands at pilfering. Trade continues despite this behavior, because no one can come close to replicating the delicate asherati sand sculptures, which can fetch large prices in cities far from the desert.
Asheratis tolerate other established races of the wastes, grudgingly admitting that each has found a niche. The asheratis live below the sand and the other races above. Still, sometimes conflict erupts or potential feuds smolder just below the surface.
It is not unknown for caravans moving through the desert to hire an asherati or two to act as guides and scouts. Especially adventurous asheratis have left the wastes entirely, seeking their fortunes in completely alien lands.
Asheratis share a common concern for one another's welfare and are, therefore, good. Observing no specific rules when it comes to behavior, and having a proclivity toward thievery, asheratis are usually chaotic.
Asherati LandsEdit
The trackless, changing waste seems an inhospital location to claim, with the burning sun by day and frigid cold at night. That's why asheratis claim the lands below, living beneath the sand as if it were water. Under the cover of sand are their homes, communities, and even a few great cities of striking architecture. The interior of every buried building is hollow; the air is clear, and asheratis live in a way not unlike that of common humans. Cleverly constructed "sandlocks" in the floors of their homes allow asheratis to move into and out of buried buildings without disrupting the equilibrium between sand and open space.
In asherati cities, families hold the power. Powerful wealthy, and well-respected families are responsible for the outlook of the local populace, and are referred to as the First Families. The First families share power in a council, and truly great families are sometimes important in more than one village. Since family is such an important aspect of asherati social live, bad behavior on the part of a single family is often tolerated for far longer than in most other civilizations.
Far flung asherati towns are usually made up of just two or three families, all working together to build their community. Usually such colonies are built to expand trade. Others are secretly established in sandy areas that abut more temperate regions to serve as a base for larceny.
Many Asheratis give homage to Solanil, whom they view as responsible for building the first sand city to shelter the asheratis when they arrived in the wasteland. Particularly zealous asherati worshipers see themselves as the "seeds" that the deity has planted, just as she encourages the planting of seeds so there will be more food in the waste.
Asheratis speak their own language and Common.
Asheratis have given names and familiy names.
Male Names: Ambapar, Het, Iputhut, Iu-same, Kbankhe, Menefer, M'ut, Nament, Tauah.
Female Names: Abesukh, Aned, Ankheru, Dhede, Kher-ra, Nemenmo, Reht, Shis.
Family Names: Ambera, Atinani, Faihayl, Habah, Huridah, Imtimah, Manah, Nadeeha, Najeema, Nazihar, Nimah, Rawthay, Reedayl.
Every asherati has some measure of adventurous spirit, no matter how deeply hidden. It would be hard to name an asherati who did not try his hand at a minor bit of thievery for the fun and excitement such behavior promises. It is not unheard of to find full-time asherati adventurers, though such folk usually leave the sands of their birth far behind, finding noble quests in the far corners of the world.


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Royal Oak Schools Superintendent Mary Beth Fitzpatrick discusses the purpose of the bond program at the Royal Oak Schools administration building Jan. 28.
Photo by Sarah Wojcik
ROYAL OAK — On Jan. 28, Royal Oak High School and Churchill Community Education Center students got the opportunity to witness live the second and final sale of bonds at the Royal Oak Schools administration building.
Voters approved a five-year, $59.9 million bond project that will ultimately touch all schools in the district 72.26% to 27.74% Nov. 7, 2017.
The district sold the first $26.9 million in bonds in February 2018. The bond does not increase the amount of the district's current millage.
"One of the things we felt was important is this bond sale process is often done without engaging the students," said Brodie Killian, senior managing underwriter for the Royal Oak Schools 2020 school building and site bonds, of Stifel, Nicolaus & Co. "It's a public sale and all of the documents are released publicly, so we just wanted the opportunity to bring it full circle to the students, who ultimately benefit from these bond-funded projects."
Students watched the order period tracked live as institutional and retail investors bought orders, and they heard from representatives from organizations instrumental in the bond process. They also witnessed a live view of the market from the trading desk in St. Louis, courtesy of Stifel's Jim Pratl.
Owner's representative Lecole Planners, construction manager McCarthy & Smith Inc., and architect TMP Architecture Inc. round out the engineering and construction team. Financial consultant PFM Financial Advisors and bond counsel Miller, Canfield, Paddock and Stone make up the bond finance team.
Before the bond proposal went to the ballot, Kathy Abela, executive director of finance and operations for Royal Oak Schools, said officials conducted a two-year study to identify instructional and major infrastructure needs in the district.
Royal Oak Schools Superintendent Mary Beth Fitzpatrick said the district knew it had some safety and security, technology, facility, and learning environment needs.
Abela explained that the bond issue preserved the district's general fund and the per-pupil allotment from the state for paying teacher and administration salaries, utilities, and other operational costs. Because the older debt fell off, she said, the bond does not increase taxes.
"When we were first hired, we sat down with the district and came back with some ideas," said John J. Castellana, of TMP Architecture. "We ultimately reached a consensus by going through a very collaborative process."
Bill McCarthy, of McCarthy & Smith, said trade contractors bid on the bond projects and his firm manages them.
At Royal Oak High School, work is largely complete on the athletic area, the science area and the music area, and the next major task is to complete the cafeteria expansion. The goal is to complete the food service area by the time students return from spring break, McCarthy said.
"Kitchens take a lot of time. There's a lot of underground utilities that come up," he said. "I think we've got almost $1 million of food service equipment that's going in that space. There's probably about 25 people working in just that little space alone."
Attorney Amanda Van Dusen, of Miller Canfield, said her firm's role as bond counsel is to make sure the district understands what it's doing, understands risks, manages the risks and achieves its goals.
"We prepare board resolutions, the contracts with the architect and construction manager, the ballot used for the election, and we will prepare a host of certificates and opinions," she said. "We have rules that say that you have to be able to expect to spend at least 85% of the proceeds within three years after you deliver bonds. That's one reason that we're doing two series here."
A stipulation of bonds, she added, is that they can only be used for capital improvements, not salaries, operating costs, maintenance, repairs or software upgrades.
Prior to the actual sale, Killian said, his firm advertised and marketed the bonds to investors. From 9:30 to 11:30 a.m. Jan. 28, Stifel's trading desk in St. Louis priced the orders, and underwriters and salesforce across the country participated in the sale.
Killian said the process was successful. He said interest rates are at historic lows, and Royal Oak Schools has a strong credit rating of AA2 — the highest is AAA.
"We are just thrilled to have the opportunity to present to the students, and it's exciting to allow students to see the process live," Killian said.
Alani Bell, 17, and Amber Till-Norman, 19, both of the Churchill Community Education Center, said they both plan to go into interior design and home renovations. Per Castellana's open invitation, both teens plan to shadow a young professional at TMP Architecture.
"I thought it was really interesting," Bell said. "There's so many different people going into one big thing."
Churchill Community Education Center Principal Melissa Hutchinson said she enjoyed listening to all of the speakers.
"I'm just happy (students) had an opportunity to see a lot of people from different employment backgrounds, to see what they do and hear what their work is like and the things they studied and where they went to school," she said.
For more information about specific bond projects, visit www.royaloakschools.org/district/about-us/bond-information or call Kathy Abela at (248) 435-8400.


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Fourth tax software giveaway goes to ...
Friday, February 19, 2010
Kelly. Congratulations on winning the Thursday drawing for a TurboTax Premier prepaid card.
I'll randomly select our fifth and final winner this evening.
If you've entered but not yet won,
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You can read full entry details in More tax software to give away!Good luck!
Full disclosure:Just so everyone knows, I'm not getting anything from the folks at Intuit except five online tax preparation prepaid cards that I'll pass along this week to five fortunate blog readers.
Want to tell your friends about this blog post? Click the Tweet This or Digg This buttons below or use the Share This icon to spread the word via e-mail, Facebook and other popular applications. Thanks!


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Motive A pension fund manager is expecting a term deposit of CHF 10,000,000 to be repaid in mid-June. These strategies therefore combine the motive for trading fixed income futures with the risk and reward profile of options. Certainly this book sets the benchmark for the level of expertise that swaps traders should strive for, and the style is aimed at the novice and professional alike. The futures price will track the price of the deliverable bond that presents the short futures position with the greatest advantage upon maturity. But at the same time, it will reduce counterparty risk. Interest Rate Swap, a plain vanilla interest rate swap is the most basic and common type of interest-rate derivative. Chapter Premium Payment and Risk Based Margining). Covitz, D and S Sharpe (2005 "Do non-financial firms use interest rate derivatives to hedge? The discount factor is: 1 1 (0.0363.315) The interest rate needs to be raised to a higher power for remaining lifetimes beyond one year (1.315,.315. 0.0363) 2 100.50 (1.0363).315.315 (9.315 1) 109.84.15 This convexity factor is used in the following equation: Percentage present value Modified duration Change in market rates.5 Convexity (Change in market rates) 2 change.
Interest, rate, derivatives - A Complete Beginner's Guide
Additional margin is released to the investor. These parameters are also known as the maturity ranges for delivery. Liquidity means that large amounts of a product can be bought and sold at any time without excessive impact on prices. For instance, an increasing share of transactions is being centrally cleared. Sterling kept its place as the third most important currency, with a market share of 8 despite a 13 fall in activity. Present value multiplied by maturity of cash flow Years Weights of individual cash flows Macaulay duration.65 years Macaulay duration can also be applied to bond portfolios by accumulating the duration values of individual bonds, weighted according to their share of the portfolios present value. June 2002 Expiration date has aa limited limited lifetime lifetime and and aa set setexpiexpiry Each option has date. Depending on the position to be hedged, they will buy or sell futures and thus, in effect, fix a future price level for their underlying position.
Chapter Conversion Factor (Price Factor) and Cheapest-to-Deliver (CTD) Bond. A more interest rate derivatives trading strategies thorough analysis of the time series dimension requires better data and will thus be left for future research. The share of inter-dealer trades has shrunk to 35, the lowest since the survey's inception. The futures price is then equivalent to the price of the underlying instrument this effect is called basis convergence. In our example, the buyer acquires the right to enter into a long position of 20 Euro Bund Futures, at an exercise price of 106.50, and pays EUR 3,000 to the seller in exchange. The price of the put is higher, The price of the put is lower, the lower the price of the underlying instrument; the higher the price of the underlying instrument; the higher the exercise price; the lower the exercise. Description /Summary, the most professional and industry relatable text currently available for linear interest rate derivatives. The pedagogical examples and concise structure make this easily digestible and highly effective.". Options on short-term interest rates are the preferred instrument for taking leveraged positions on changes in policy rates. A bond with annual coupon payments maturing in exactly one years time is used for this step-by-step explanation. In comparison to outright position trading, inter-product spreads are also subject to lower risks. Due to the different interest rate sensitivities of the respective issues, the medium-term and long-term positions are weighted differently. Alternatively the calculation can be described as the difference between 121.65 121.50 15 ticks.
Interest, rate, derivatives - Fixed Income, trading, strategies
If that was the case an arbitrageur could buy the cash bond (7 05/13/02) at 114.12 and sell it immediately via the futures market at 106.94.067382 and receive 114.14. When yields are at the notional coupon level (6) the bonds are almost all equally preferred for delivery. 9 Among the administrative transactions included in the survey are FRA switches, which account for 16 of the turnover recorded by Fleming et al (2012). 13 EU-134 Fixed rat_E 18:05 Uhr Seite 14 Macaulay Duration In the previous section, we saw how a bonds price was affected by a change in interest rates. Almost everything included here is compulsory knowledge for a modern, successful, swaps trader or interest rate risk portfolio manager. This means that long-term yields will rise more (or fall less) than medium-term yields. The volume of transactions with non-financial firms also declined. These yields may be calculated using the bonds market value (price coupon payments and redemption (cash flows). Spread positions are designed to achieve profits on expected changes in the price difference between the long and short positions. The price intervals of this contract are set.50 points.Call Call option The buyer can convert this position into a long futures position.
For a futures position, contrary to investing on the cash market, only additional margin needs to be pledged (cf. Both payment streams are interest rate derivatives trading strategies based on the same notional principal, and the interest payments are netted. And all Latin American centres combined traded 6 billion, which is well below the 32 billion turnover in contracts denominated in Latin American currencies. The most important specifications of Eurex fixed income futures are detailed in the following example based on Euro Bund Futures and conf Futures. The corresponding futures positions opened according to the original options position are outlined in the following table: Exercising.
Gamma can be described as the rate of change of delta. Zero basis futures price at 5 yield Coupon Maturity Conversion factor Price at 5 yield Price divided by conversion factor 5 07/15/2012.925836.99 108.00.54 107.58 7 05/13/2011.12 106.92 We can see from the table. Result: The proceeds of EUR 2,700 made on the difference between the purchase and sale is equivalent to the balance of the variation margin (EUR 8,600 EUR 5,900) calculated on a daily basis. In this way, the sellers obligations arising from the original short position have lapsed. Naturally, the greater the disparity between the bond to be hedged and the actual CTD bond, the less reliable the hedge will be, creating in some cases significant basis risk. A nominal value of 100 Lifetime and Remaining Lifetime One must differentiate between lifetime and remaining lifetime in order to understand fixed income bonds and related derivatives. Macaulay Duration (Average Remaining Lifetime Weighted by Present Value).
The price calculations in this chapter are based on the assumption that the only changes that occur are those that are given and that all other influencing factors remain constant (ceteris-paribus assumption). Cash bond price divided by the conversion factor) of each bond. The conversion factor (CF) of the bond delivered is incorporated as follows in the futures price formula (see. After growing rapidly prior to the financial crisis, activity in the market for over-the-counter (OTC) interest rate derivatives, such as swaps and forward rate agreements (FRAs has since expanded at a more moderate pace. For calls: Intrinsic value Futures price Exercise price of the option, if this is 0; otherwise it is zero. Trading Strategies Basic Futures Strategies Building exposure by using fixed income futures has the attraction of allowing investors to benefit from expected interest rate moves without having to tie up capital by buying bonds. Federal Reserve Board, Finance and Economics Discussion Series, no 2005-39. Example: 8 The bond has a lifetime of 10 years as at the valuation date March 11, 2002 (today) the remaining lifetime is 9 years and 115 days EU-134 Fixed rat_E 18:05 Uhr Seite 9 Nominal and Actual Rate. To help standardize the delivery process the concept of a notional bond is used. The contracts were bought at a price of 121.50. Selling bonds and simultaneously buying futures is referred to as a reverse cash-and-carry arbitrage.
Interest, rate, derivatives : Fixed Income, trading, strategies, eurex
43 EU-134 Fixed rat_E 18:05 Uhr Seite 44 The interest rate derivatives trading strategies modified duration of the futures position is expressed as the modified duration (MD) of the cheapest-to-deliver bond, divided by the conversion factor (based on the assumption that futures price cheapest-to-deliver/conversion factor). The reason for this is that during the life of a futures position, its value is marked to market each day by the clearing house in the form of variation margin. Alternatively the net profit is the sum of the futures price movement multiplied by 10 contracts multiplied by the value of EUR 10: (105.37 105.10) 10 EUR 10 EUR 2,700. Modified Duration Method The modified duration can be used to calculate the interest rate sensitivity of the cash and futures position, and to set the hedge ratio accordingly. The greater the gamma, the greater the reaction of the delta to price changes in the underlying instrument. Investors must weigh up the costs and benefits of an adjustment. It may takes up to 1-5 minutes before you received. Breaking down Interest-Rate Derivative. Major central banks have kept policy rates low since the financial crisis, resulting in low and stable money market rates ( Graph 7, left-hand panel). At least nine exercise prices per contract month are always available. In contrast, static hedging means that the original hedge ratio remains unchanged during the life of the hedge. Sensitivity Method The sensitivity or basis point value method is also based on the duration concept. A detailed review of all influences on cash-andcarry/reverse cash-and-carry positions would exceed the scope of this brochure.
Prcing and, trading, interest, rate, derivatives
Theta indicates by how many units the option price will change given a one period reduction in the remaining lifetime. Additional margin equivalent to that for the underlying future has to be deposited to cover the price risk. Lifetimes two interest rate derivatives trading strategies June, September and December cycle;.e.one, lifetimes andone, three months, as well as a as maximum six of two and three months, well as aofmaximonths available. 7 EU-134 Fixed rat_E 18:05 Uhr Seite 8 In this chapter the following information will be used for a number of explanations and calculations: Example: Debt security issue German Government Bond. Changes in regulation have resulted in more contracts being centrally cleared. The central role of the derivatives markets is the transfer of risk between these market participants. Example: Money market interest rate.a. Volatility of the Underlying Instrument Volatility measures the propensity of price fluctuations in the underlying instrument. Alternatively the net result is the sum of the futures price movement multiplied by 20 contracts multiplied by the value of EUR 10: (102.98 103.60) 20 EUR 10 EUR 12,400 Spread Strategies A spread is the simultaneous purchase and sale of futures contracts. Electronic trading on Eurex guarantees extensive transparency of prices, volumes and executed transactions. Despite rapid growth in emerging market currency activity, trading remained concentrated in major currencies and financial centres. These dealers continue to be important as counterparties for other market participants, but the share of inter-dealer trading is falling.
Theoretically, it should thus be impossible to realize risk-free profits using counter transactions on the cash and forward markets (arbitrage). Their value is below or above the nominal value of 100 percent. Strategy The investor buys 10 Euro Bobl Futures June 2002 at a price of 105.10, with the intention to close out the position during the contracts lifetime. At a yield of 5 the table records the cash market price at delivery and the zero basis futures price (i.e. Otherwise parallel shifts in the yield curve would lead to a change in the value of the spread. At a determined price Exercise price 106.50 If the buyer claims his/her right to exercise the option, the seller is obliged to sell (call) or to buy (put) the futures contract at a set exercise price. Turnover in Australian dollar-based contracts even overtook trading in yen-denominated derivatives. Interest-rate derivatives are often used as hedges by institutional investors, banks, companies and individuals to protect themselves against changes in market interest rates, but they can also be used to increase or refine the holder's risk profile. The buyer is prepared to pay a certain sum the time value for this opportunity.


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When you think of heroes, the first people that come to mind are probably policemen, soldiers, firefighters, or doctors and maybe even the superheroes from Marvel or DC. But now, I have someone else to add to that list – UPS drivers. Or, well, one in particular.
Ryan Arens was working on delivering packages on his route in Bozeman, Montana a few days before Christmas, so you can imagine how busy he was, when he heard a dog that appeared to be in distress. After following the sounds, he came across a frozen pond where he discovered a startling scene. A dog had fallen into the icy pond and was unable to get out.
Speaking to the Great Falls Tribune, Arens said: "This dog was screaming and crying and going crazy. I could see the dog trapped about 10-15 feet off of shore, with ice all around it." An older man was already there with a boat trying to get to the dog but wasn't successful. So, Arens stripped down to his boxers, got the boat from the other man, and, as he explained, slid it into the ice, using it to distribute his weight and when the ice got thin, Arens fell into the freezing water, which was 16 feet deep. He managed to rescue the dog, who has just begun losing his fight and fallen under the water, and then swam them both to the shore where the older man waited for them and gave them blankets.
"We took the dog inside the older guy's house and got in the shower together to warm up," Arens explained. Other than the horrible freezing, he also got some cuts on his leg, but still got back to work and delivered another 20 packages that night.
The man who also has a dog of his own at home (pictured above) told the Tribune that animals are his "weakness", adding that during the 14 years he has worked for UPS, resuing that dog was the best part of it. What's more, a while later, Arens had to deliver a package right to the house of the dog's owner, and the dog, who's a two-and-a-half-year-old wirehaired pointing griffon named Sadie, recognized him.
"She was freaking out, and when he let her out she ran to me," he explained. "She must have remembered me. It sure made me feel good. This dog had a whole lot of life left in her, and I'm really glad I was able to act when I did. She's a sweetheart."
Well, that just made all our hearts swell, didn't it? Good job, Mr. Arens, I'm sure everyone who knows you is proud of you!
See Also: Meet Frida – The Heroic Dog Who Saved 12 Lives From An Earthquake