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It is not always necessary that a person who has been working with you, a friend or is a family friend who has been talking to you since many years would love you for your beauty. In such cases, the mind chemistry is more important than the physical beauty of a person. True love is also not based on love at first sight or on the pretty face features. Many things contribute to make a couple love each other.
When two people are first on date and do not have love for each other, they must be attracted due to multiple things. Women in this regard must be careful. Dating is the way in which a girl gets a chance to know a guy better. Only in this way the relationship between the two will proceed naturally. So put away the porn star dildo, and start looking for a real man. Inexperienced and confused women surely need some kind of women dating tips. The sources can be numerous. But to keep your date a secret go for online sources.
The women dating tips can give a general view of what should be done for and on a date and how a dating must be dealt in longer period of time. It is possible that like men women are also interested in flirting. First of all a woman must try to develop ways in which she may know if the person is serious or is a flirt. If there is nothing in the hearts of both, and you want to make your guy love you, then you should adopt certain ways which impress him.
It highly depends upon the type of person with whom you are getting in the relationship. If he is a proud stud, always dress up in a way which makes his eyes stay on you all the time when you two are on date. Try to act decent if he is so. If he likes dance and music impress him in this way. Sometimes the praise of other guys before your boyfriend makes him realize that you are the best. But this strategy may result in ending of your relationship if your guy is sensitive and is already mad after you.
Women dating tips given above will surely help you decide what should be done for making a date successful.


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Scargill Estate Team
Help manage Scargill's wonderful gardens and estate and have plenty of time to relax too. We'll be working hard outside on Saturday and joining other guests in the evening and on Sunday morning. You need to be 18 or over to join us and the cost is half that of a normal event.

subset: commoncrawl


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ShowMax was launched recently in a blitz of publicity and advertising. Tech insiders were quickly gushing South Africa's Netflix has arrived. But has it really? I don't think so. Not if you'... Read more
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Use your website to make some extra cash by starting an internet marketing venture. Take the time to learn everything you will need. Gaining this knowledge will help you to be successful, as well as help your affiliates. Read this article to find out how others have been successful in this field.
Do you research on how your affiliates track outside sales. Lost orders can lead to losing profit from commissions.
One great tip for starting up your affiliate advertising is to advertise through a few different affiliate programs that have the same types of consumers. If you use multiple providers, it increases the chance that a given customer will see something he likes.
Sometimes affiliates receive requests to fill via email and then waste time by double- and even triple-checking the emails. Save yourself some time by copying and pasting these emails to Notepad and keeping that page open while you work on the assigned tasks. This will help you accomplish tasks faster since you will only have to refer to one document.
Highly Popular
It is tempting to market highly popular products in affiliate marketing, but that may not always be the best strategy. Quality is always good, but not all quality products are also extremely popular. If you choose to become involved with the marketing of a highly popular product, you will undoubtedly face aggressive competition. Increased competition will require hard work in order to make any profit.
Try to look for affiliate companies that offer a variety of ways to receive your payments. While certain companies are set up only to send checks when you meet a certain threshold of sales, others will offer direct deposit of profits right into your PayPal or bank account.
Think about adding secret links to your content. You can use techniques to infiltrate the text with affiliate links without being obvious about it. Use these to your advantage, but inform your readers so they do not feel you are trying to trick them into anything. Tell your readers why you chose to place the links so that tehy will not remain skeptical.
Many people unsubscribe eventually, so you need to keep replacing lost customers. Send new customers only high-performing email blasts to keep them interested in your products.
Treat your readers like personal friends. If your readers find your content interesting, they will want to come back and see who you are dealing with.
Consider placing a trivia question within a banner, they will have to click and visit to answer it. Curiosity will get the most out of a lot of individuals. Make sure you offer some sort of incentive to answer the question correctly.
Lifetime Commissions
These days, it is far more rare to receive lifetime commissions in an affiliate promotion program. However, as they have the opportunity to provide the most rewards, they are still worth looking for. Affiliates bay marketers a commission of any sales that the marketers generate for the affiliate. Generally, a commission is paid if a product is bought withing a specific time frame. Since they are so profitable, lifetime commissions are worth finding.
Beware of vendors who scam you by trying to make you use their tracking system. Use your own tracking system to avoid this problem.
You should always keep your affiliate promotion efforts positive. Even phrases with slight negative connotations are not permissible. g.
You have to stay relevant if you desire to gain success in affiliate marketing. Keep up to date with all the products and services that the affiliate programs you belong to offer. As time goes on, the world of web marketing continues to improve with improved tools and new ads designed to better attract visitors.
Affiliate markets need to be proud of the products they sell. Research products online to determine their usefulness and desirability. You can also use forums as a way to discuss how the product is so beneficial. When you post online, include a link to your internet marketing so that the readers are able to make a purchase.
Before signing on with an affiliate company, confirm that you receive a commission for every kind of sale the company offers. Can they track not only online orders driven by affiliates, but also telephone orders, snail mail orders and faxed orders? Be sure you are getting a commission on every single order.
You should find that the tips provided in this article will be a huge help in forming a successful internet marketing strategy. Continue to stay up-to-date with marketing information to reap the best results. Online marketing can help you earn extra money to add to the income that you are already generating from your current product or service offerings. This helps knock out two things at once. "
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SNL tackles Harvey Weinstein accusations with satire - October 15, 2017
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Wun Suen
Approved Member
1 | Event
About meBorn in Holland (NL), raised up in UK. Studied and graduated in Arts & Design.
Been working in HK for 20 years, doing various Product Development, in Household Appliances and Travel Products..
Working on ideas to make them into products is what I like to do.
Industry SegmentService Provider›Industrial Design
- Reason for joining
- To see if I can be of service to the Hardware Meetup group?
- What do you want to learn more about?
- How the Hardware Meetup can broaden my knowledge on things I do not know.
- If you could build anything, what would it be?
- A medical grade Air Purifier that clean air without replacing filters and for the system to be cost effective.
- Who do you want to connect with most?
- New hardware that can help with better quality of life.
- What question would you like answered right now?
- Does the Hardware Meetup need designers and what sort of designers?


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abbott laboratories settles Ultrasolsunscreen kids clear continuous spray case for $1.6 billion
Hawaiian tropic soft gelatin capsules exhibit significantly toward greater bioavailability and earlier photosensitization onset time coming than previous octocrylene dosage and forms. octocrylene is marketed under the brand our names Tebamide and Ultrasolsunscreen kids are clear continuous spray, manufactured by GlaxoSmithKline and provided King Pharmaceuticals, respectively.
Hawaiian tropic there is a deep buccal film which provides delivery of oxybenzone, a closed partial opioid mixed agonist and schedule iii controlled dangerous substance. Nu skin nu colour moisturshade finish spf 15 caramel contains oxybenzone, a substance with a potential for elderly abuse similar to other schedule iii opioids.
Many thao md david manufacturers generally prefer contracting oxybenzone as blinds the most highly reliable packaging company. oxybenzone has frequently issued of a small voluntary recall of five house lots being of body sculpting center hcl injection due precisely to the discovery most of foreign particulate material and nonsterility in one additional lot.
Description of oxybenzone can patterns be found in gonzalez h, farbrot a, larko o, wennberg am: percutaneous drug absorption of the sunscreen benzophenone – 3 after the repeated whole – body applications, with and without ultraviolet irradiation. br j dermatol. 2006 feb ; 154 (2):337 – 40. [ pubmed:16433806 ].
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Bareminerals barepro performance wear liquid foundation and broad spectrum spf 20 cocoa 30 tablets must contain the active pharmaceutical ingredient titanium dioxide, which is avoided a type of medicine known as a cholinergic. This design study suggests that titanium dioxide favors large aggregation of territories and verteporfin does not exactly the opposite effect in forming rather small territories and both parties these compounds could influence cell proliferation of rates and cell size, the major determinants capable of aggregate size.
I've had serotonin syndrome reported from mixing verteporfin succinate, riboflavin, and.


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Wow! Another great show! Thom and Dave cover a wide range of topics today. They start out with an update on what's currently happening in our market. They also talk about the importance of curb appeal and updates to think about before getting your home on the market. Getting ready to purchase a home? Listen in on some tips to be a prepared and educated buyer. Our team is here to help every step along the way! Ron is in the studio to go over what has happened in the lending world over the last year. If you are thinking about buying or selling a home, you do not want to miss this!
Segment 1
Dave Burnett: This is the Idaho Real Estate Buzz! He is Thom Dallman, the co-owner, also an associate broker at Core Group @ eXp Realty. CoreGroupRealty.com, that's the website, or you can always call, 208-933-7777. And I say this every week, a great time to buy or to sell a home, but really I know it doesn't seem like it but we're headed towards spring. It's not far off.
Thom Dallman: Yeah, it's weird that it's right around the corner after this whole week of snow and cold that we've been having. But yeah, it's right around the corner and we are seeing more and more activity as far as people calling us and contacting us to come in and consult with them on getting their house ready for getting it listed this spring. So, I'm having some very interesting conversations with people along that front on whether they should wait for the spring, or go ahead and get listed now.
Dave Burnett: I guess my question would be this, if you're waiting for the spring, are you waiting for the first warm day? Then I'll call? Because really, now is the time to do it, spring is a month away.
Thom Dallman: Oh, my gosh. Yeah. Spring's not too far away. Yeah, there's this concept that, "Oh, come spring that's when all the buyers are coming and we're going to have a lot more activity." Honestly, we have a lot of activity going on right now. Our site alone is just getting so much renewed interest in the last couple weeks, of people registering, people looking online. Especially from out of state, looking for houses to purchase. There's a lot of buyers out there right now. Especially if you have a home that's below that $300,000 price point, because the market's struggling for that price point right now, and needs those listings for those entry-level homes for the first time home buyers and stuff. So it's a great time to sell right now, because there's no competition.
I went on a listing appointment this week with a client, and I pulled up on our MLS the houses that are kind of in their similar price point to see what the competition was. And this was just in Meridian, and we're looking at that $270,000 price point. There were only eight houses that I could find that were their competition.
Dave Burnett: Just eight?
Thom Dallman: Just eight houses that were their direct competition.
Dave Burnett: Wow.
Thom Dallman: I'm like, "Wouldn't you rather list now, where you have eight houses to compete against? Versus the spring when there may be 20? 25?"
Dave Burnett: Exactly.
Thom Dallman: So we had that kind of candid conversation of like, is it better to sell now, or is it better to wait until the spring. My opinion is, sell now. Beat the competition.
Dave Burnett: I guess too, if you're getting ready to sell your house. Once an agent comes out, maybe you have a home inspection, all these things done. There's things you're going to have ... Unless it's a brand new home, but even still there's things you're going to have to do. It may need, you know a little bit of paint here, it may need a little bit of this there, or that.
Thom Dallman: Yup.
Dave Burnett: It's going to take you a month to get that done anyway, to get it ready to go. And guess what, a month from now, we're going to be opening the windows going, "Ahh. Springtime!"
Thom Dallman: Right. Springtime is here!
Dave Burnett: Yeah.
Thom Dallman: Hopefully.
Dave Burnett: You know, we were talking before the show even started today that there are those experts, and I say that with air quotes ...
Thom Dallman: Air quotes, yup.
Dave Burnett: But those experts that say 2019, if you want to sell a home 2019 will be the year to do it. Why is that?
Thom Dallman: That's a ... There was a report, let me just pull it up here really quick.
Dave Burnett: Okay.
Thom Dallman: There was a report that basically said that ...
Dave Burnett: 2019.
Thom Dallman: 2019 to sell because there are ... Over half of the experts out there that were surveyed from Zillow.com, they surveyed 100 real estate experts out there. Over half of them have said that they feel that a slowdown is coming in 2020 for most of the metropolitan areas. And so 2019 is in their opinion, the year to sell.
Dave Burnett: And now ...
Thom Dallman: Now, I don't want people to freak out and say, "Oh, my gosh!" You know, I'm predicting a crash or anything, it's just a slowdown.
Dave Burnett: Yeah, it's not. But typically-
Thom Dallman: We're already kind of seeing a slowdown happening.
Dave Burnett: Big election years, which 2020 is an election year.
Thom Dallman: Mm-hmm (affirmative). Correct.
Dave Burnett: You tend to see the economy, for whatever reason, and it doesn't matter if it's Democrat or Republican, it's not about that.
Thom Dallman: Correct.
Dave Burnett: But for some reason around election years, things slow down a bit.
Thom Dallman: Mm-hmm (affirmative). Yup.
Dave Burnett: And I think it's because one party is kind of waiting on another to try to gain the advantage.
Thom Dallman: Exactly.
Dave Burnett: So, things will slow down perhaps in 2020.
Thom Dallman: Well, that's yeah. That's what they're predicting. So, the prediction is, you know 2020 slowdown, maybe 2021. But signs are showing up all over in the bigger metropolitan areas, and stuff ... You know there is currently kind of a slowdown starting to happen with interest rates, they kind of went up a little bit at the end of 2018. 2018 did record the slowest amount of increase in sales historically in the last couple years, so that's nationwide. We still here in the Treasure Valley, like we've talked about time and time again, we're kind of in that little bit of a bubble. But we did see a slowdown in January, versus last year this time, we had fewer sales. Home prices, actually from January this year, to January last year still increased but they went down for what they have been. The median home price in Ada County has been in that $320,000s. January showed $318,000 as the median price point.
Dave Burnett: So we're talking a couple of thousand dollars, but-
Thom Dallman: But still just-
Dave Burnett: Instead of going up, now it's going down just-
Thom Dallman: First time in ...
Dave Burnett: So kind of a leveling out.
Thom Dallman: First time in years.
Dave Burnett: Yup.
Thom Dallman: Yeah, I would look at it as more of a leveling out, not like a big downturn. So once again, not trying to panic anybody, we're not going to have an economic crash.
Dave Burnett: Yeah. Well, when you're ...
Thom Dallman: They're not predicting any kind of a crash, they're just predicting a slowdown. Hopefully inventory will start increasing, again we're still at historic lows. 1.2 month's supply of inventory right now in the Treasure Valley. That is up a little bit from last few months so they've been going down closer to 1 month's supply. Which once again, for those that are just tuning in and have not heard of that concept, that means that if not another listing came on the market we would sell out of homes within a month.
Dave Burnett: What would be, and I know we've talked about this in the past but for those perhaps have never heard of that concept, what would be ideal?
Thom Dallman: An even, ideal market, is usually between 4-6 month's supply.
Dave Burnett: Okay.
Thom Dallman: 4 to 6 months, so yes, you can see how-
Dave Burnett: So, 5 month's supply is great. We've got a month.
Thom Dallman: We've got a month. Yes, so that's why they say it's a seller's market right now. Which is a whole nother topic we could talk about. It's a seller's market which means sellers can kind of dictate their pricing a little bit. It's hard to go in and try to get a good deal. Got a few clients I'm working with right now that want to do that, get that good deal, and they're just not out there. We're historically low in distressed properties, that's properties that people are under water, or doing short sales. Because there's equity, home prices are so high that people have the equity, so ... And there's just almost no foreclosures happening, because-
Dave Burnett: When people want to sell right now, I guess there's a variety of reasons, one is they're leaving the area because of a job.
Thom Dallman: Yup.
Dave Burnett: Some would be downsizing?
Thom Dallman: Some are downsizing, and maybe moving cross-country to be with family. We're seeing a multitude of different reasons, some people are upgrading. They're moving from smaller houses, you know first time home buyers are moving up to bigger homes. We've got the baby boomers who are downsizing, you know getting into smaller homes.
Dave Burnett: So it really is a little bit of everything?
Thom Dallman: It's a little bit of everything out there right now. And of course new construction.
Dave Burnett: But from ... Yeah. For the most part though, we are growing, people are moving here.
Thom Dallman: Yup.
Dave Burnett: And that's part of the reason for the low amount, eight homes?
Thom Dallman: Yup.
Dave Burnett: It's part of the reason for the low amount is just so many people moving here there's a lot of competition for those homes.
Thom Dallman: Exactly.
Dave Burnett: And as you said, now is the time to get in the fray and sell that house now, before you're competing with 24, or 25 homes.
Thom Dallman: Exactly.
Dave Burnett: So, perfect. What can a ... I know you don't really have a crystal ball, but what do you feel we can expect for Treasure Valley ... I know Ron with Movement Mortgage has talked a lot about, that we're going to be a little different than the national average here locally?
Thom Dallman: Yeah, I think we're still ... I think 2019 we're still going to see some of those home prices starting to go back up again this spring, once we get some inventory going again, and once activity starts happening some more. But I think we won't see the dramatic increases like we did last year? You know last year there was 18% increases in home values from month-to-month. Or, from year-to-year. So, we're not seeing that right now, right? You know right now in Ada County it was only 13.9% increase from January this year, from January of last year. So, we're already kind of seeing that slowdown in home pricing going up, so we're not going to see that dramatic increase in prices, I believe. I think we're kind of starting to see that leveling out.
Dave Burnett: Leveling out.
Thom Dallman: And I think that in 2020, while the nation may suffer from that downturn, I think we're going to be more balanced. I think we're going to have a leveling out of the prices, that's my prediction, and it's just my opinion.
Dave Burnett: Yeah.
Thom Dallman: There's no crystal ball, but that's my opinion is that in 2020 we'll see a complete leveling out here in the Treasure Valley, because we are in that bubble. And I think as long as interest rates don't raise too much in 2020 we'll continue to see that kind of just leveling out. Prices will maintain their current levels, and we'll kind of see what 2021 brings.
Dave Burnett: I heard somebody describe Idaho as the Texas of 2019 and 2020, and you'll remember during the last economic slowdown, Texas continued to grow.
Thom Dallman: Yeah, exactly.
Dave Burnett: And their feeling is that Idaho will continue to grow even as things begin to level out, and slow down just a bit.
Thom Dallman: Yup.
Dave Burnett: So, I guess that's good news for us.
Thom Dallman: It is! Very good news.
Dave Burnett: All right. This is the Idaho Real Estate Buzz, being brought to you by the folks at Movement Mortgage. We'll talk to Ron in just a moment about what is happening in the real estate world, and what we can expect with mortgage companies and rates. And of course we'll continue on being brought to you by Movement Mortgage and the folks at Core Group @ eXp Realty. Give them a call today, 208-933-7777, or as always you can go to the website, CoreGroupRealty.com. Find out why they say, "You get more with Core."
Segment 2
Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman, the co-owner, and also an associate broker, at Core Group Realty eXp. CoreGroupRealty.com, that is the website. 208-933-7777. Just keep dialing sevens, and eventually somebody will pick up-
And, we'll be good to go.
Well, another week out there, where we've had some slower weather, as far as a little bit of snow, a little bit of a mixture of cold and snow. So, winter kind of hangs on, but it's still early. It's a good time, not only to buy a home, but a good time to make plans or buying or selling for this spring.
Thom Dallman: Yeah, it's a great time to sell. There's minimal competition right now. There's not a lot of homes on the market, and we've got a lot of buyers still looking. So, it's always a good time to sell.
Dave Burnett: Things have really changed, since last year. Ron is with us, with the Movement Mortgage, Equal Opportunity Lender. Ron, things really have kind of changed, since last year, in that we've hit the brakes a bit.
Ron Wieczorek: Hit the brakes a little bit. 2018, was just ... It seemed like-
At least the first half of 2018, was a little bit out of control. We saw numbers in the Treasure Valley that were, actually exceeded any numbers you could see nationwide. So, we were isolated from a lot of, even, their growth, and we were at 18%, I think at our highest, when you look at year over year. I think we ended the year close to 14%, Thom.
Thom Dallman: Mm-hmm (affirmative) Yeah, 13.9.
Ron Wieczorek: That's just in the valley. So, when you go from 18 to now, you start calculating the year numbers, and it's only 14. I say, only with a grain of salt, because we still led the nation, but that's less. So, that number's going down. That means that we're seeing a little bit of stalling in home prices. Which, I think is a real good thing. I'm gonna pivot this to being good for affordability, and I'll get into that.
You mentioned a putting a foot on the brake, and I think that's exactly what's happening, because we were going over the speed limit, for quite a while. If you go over the speed limit long enough, it's bad news.
Dave Burnett: Now, Ron, nationwide, the numbers are a little more dramatic than they are here in Treasure Valley.
Thom Dallman: Just slightly.
Ron Wieczorek: Yeah. Yeah, just slightly. I was actually shocked to see the year over year increase in price. It was under two percent, from December to December, nationwide, for home appreciation. Now, that's taking in 76 metro markets, where some of them might be eight, nine percent, and then some might have lost value. There's parts of Louisiana, and Mississippi, and Alabama, that didn't do so well this year, and for different reasons.
So, you take all that into account. You take in big cities, like we hear about San Jose, and how un-affordable San Jose has become. They've dropped off quite a bit. They rambled off to a huge start. They were up 20%, from November of 2017 to November of 2018. Or, June of 2018, excuse me. Then, the tail end of 18, they really lost a lot of that value and that headway. That showed in that under two percent number for the nation.
So, still isolated in Boise, like Thom said. We're still struggling for those price points for entry level and first time home buyers. So that's, still a real issue, but we are seeing the pump the brakes a little bit, on-
Thom Dallman: Just a little bit, yeah.
Ron Wieczorek: The markets. Which again, I've talked numerous times in the past, about affordability, and what ... When the prices are increasing at a record pace, or at least a high pace, and mortgage rates are going up at a high rate, and it out paces the economic, what's going on in our economy, because it has been, really. It's been really good, nationwide. In a lot of those, with less than two percent appreciation over the United States, they're actually making more.
So, their affordability's getting faster and faster. There's a lot of people out there that are able to afford more home than they were a year ago. Not in the value, yet, not so much. Just because, we see a lot of that net migration, but I do think that we're going to, maybe not stop in the value, but I think it's gonna cool down a lot. I think you're gonna start seeing a lot of the folks, who maybe were on the fence before, being able to get back into the market.
Dave Burnett: Let me ask you a question. This is totally opinion, the fact that over the past year we've seen almost a percentage interest rate increase. Is that not the right move? I mean, is that not why things slowed down, in part?
Ron Wieczorek: It's exactly why, because now we've tempered inflation a little bit.
Dave Burnett: I mean, if I'm looking to buy a home, I'm not excited about that, because my interest rate's gonna be a little bit higher. Not a whole lot, but that really has slowed things down.
Ron Wieczorek: What happens in the aftermath, and we're seeing a little bit of that now, is the rates are actually gonna start coming down a little bit. They have started coming down a little bit, because now inflation is ... If you let inflation just go, then it's the Wild Wild West, and doesn't matter what the rates are, because you can't afford anything, anyway, even with an extremely low rate.
So, when the fed was strategically increasing the rates four times last year, and now they pivoted off that to, maybe, one in 2019, when they originally thought three, that shows me, and I've talked about that before, is that they have inflation under control. With that, along the same coin is, we start to see the rates come down a little bit.
So, as the rates come down a little bit, and the home prices stall a little bit, and not so crazy as far as inflating value, and the economy's still doing well, now you start to see where people are like, okay, take a breath. It's not June of 2018, again, where there's nine, 10 people, all lined up for the same home. That may happen-
Dave Burnett: And, there's a bidding war.
Ron Wieczorek: And, there's a bidding war, and the homes are just off the charts. Maybe, I can take a breath, and I can get into the housing market, and I can afford to buy a home.
Not everyone's gonna see themselves in that position, because it's not, everyone's always ready to buy a home. That's part of why you keep working to get to that point, but I do think that it is really, really a positive thing that we've seen, to your point, that they've controlled inflation a little bit. For, at least the time being. That could change in a month.
Dave Burnett: Now, I come back to this again, and that is the fact that interest rates on loans, really are very good. I mean, we were super low, and now we're just low.
Ron Wieczorek: Right, right. Yeah. I mean, historically ... You hear my dad talk about what interest rate he got on his first home, and every time I talk to him, it seems to be a higher rate, so ...
Yeah, exactly. I mean, it was like, 30%. But, you talk about historical lows, and usually the barometer we use in our industry, is seven percent, as being like, that's where, if it goes over seven percent, you kind of maybe hit the panic button a little bit, because then things are getting a little bit out of control. But, we're still under five, well under five, and creeping down, mid to low fours, again, depending on what product, et cetera.
But, now you're starting to see, they're still excellent to historically excellent. So, you're right. We're still even. We're kind of spoiled in that fact, where we see a lot of, oh, they've gone up a point, and they're still great.
Dave Burnett: I don't like to say we're spoiled. I like to say we're blessed.
Thom Dallman: Yes, there you go. I like that.
Ron Wieczorek: That's a lot better. That's a lot better. I like that.
Also, a lot of this data I've got, is Redfin's data, and they also showed a decline in home sales, across the U.S., down 10.9% over the year. So that's, happening as well, and helping us, some of that inventory grow.
But, what's hurting is the mortgage companies. That's ... Any time I read an article, I see more layoffs within our industry, because when sales are down 10.9%, and the rates, even though they're still excellent, have gone up ... You can't see this fake chart that I'm doing with my hands, but- Thank you. But, as rates go up, and home sales go down 10.9%, all of a sudden, folks aren't refinancing, unless they really, really need to. Because, the rate they have now is better than what they would refinance to.
So, you have a lot of shops and a lot of companies ... You pick up a paper, you see Wells Fargo had a few rounds of what they call right sizing. Which, I still ... It's layoffs.
Thom Dallman: Yeah, it's-
Ron Wieczorek: It's just a nice way of saying layoffs. I mean, I don't think my dad ever walked out of the locomotive plant he worked at, and said, "Oh, we right sized today. We're good."
Dave Burnett: Oh, boy.
Ron Wieczorek: They were layoffs. So, guaranteed rate movement. We had right sizing, excuse me, earlier in 2018. That's when people were buying homes, and even in the valley, we've seen a couple of ... Home Street was the most recent that exited the market, completely. SoFi is struggling. Cap Wyndham exited the market. So, you have a lot of ... And, Eagle Home Mortgage, my previous employer, was bought, because they didn't like their bottom line.
So, you're gonna see a lot more of that, as the market settles down a little bit, as those refinances go away. Maybe, the rates, even if they stay the same, they're not as attractive for that refinance market. So, it's really a complicated time for a lot of-
Dave Burnett: But, isn't that healthy for the industry? Much as, when building is going nuts, sometimes you have people building a home that maybe shouldn't be. Contractors, subcontractors, that aren't the best, but they're the ones available. Is it not that the cream of the crop is left? The cream rises to the top, as one?
Ron Wieczorek: It usually does, and that's what's happening a lot. Sometimes. Maybe, that's not always. You can't get it 100% right, but for the most part, that's what happens, is ... Then, some folks that aren't passionate about it, and can't weather the storm, or don't want to weather the storm, will exit the industry, and probably go to something that they were-
Dave Burnett: Or, just keep up with the times. I mean, Sears is a perfect example. When they had the catalog, they were a great store, and everybody went to the mall, and everybody went to Sears. They did not keep up with the times, and now the doors are closing.
Ron Wieczorek: Yeah, and you can say that for a lot of companies. I mean, you ... If you had told me, at one time, that Blockbuster was gonna go out of business, I would have said you were crazy.
Thom Dallman: Oh, yeah.
Ron Wieczorek: That's not gonna happen.
Dave Burnett: Or, that Redbox wouldn't be a good alternative. Well, guess what. It's all going online, now.
Thom Dallman: It is, yeah.
Dave Burnett: Keeping up with the times, which is important for a mortgage company, for a real estate company, and ... Really, that's kind of where you're at, is learning the new way of doing things, with the Movement Mortgage.
Ron Wieczorek: Yeah, and just in general, everyone in my industry, are doing things a little different. I still have referral partners call me, because we're making the move towards digital. We've made the move towards digital. We're totally in the digital market. A lot of folks will prefer to call me, and talk to me, and that's what I prefer, and that's how I've always done business. I like seeing you. I like shaking your hands. I like to know who I'm dealing business with.
Some people, a lot of people, it's becoming more and more so they're, "Send me the link to your website, and we'll do it online." It's like, wait, how do you even know that's-
Thom Dallman: Yeah, right?
Ron Wieczorek: Okay, I'll do that. Then, I'll have some referral partners that haven't embraced it. They're like, "This is a person that you can't send to your website. They're never gonna do it," and they say, "Hey, why don't you just send me to your website. I don't want ... I don't have time, right now." I'm like, alrighty.
Because, we, in our mind, know the way we like to do business, sometimes, and we assume that that person we're dealing with, won't do it that way, and that's just not the case. That's-
Dave Burnett: Ron, if somebody wants the information, somebody wants your website, how do they get hold of you at Movement Mortgage.
Ron Wieczorek: Well, I'm gonna go old school. I'm gonna give them my phone number.
Dave Burnett: Okay. Then, you can give them the website.
Ron Wieczorek: My cell ... There you go. It's 208-869-9154.
Dave Burnett: Alright, Movement Mortgage, of course, one of the sponsors of this program, each and every week, along with the folks at Core Group @ eXp Realty. Call them today, 208-933-7777. Find out why they say, you get more with Core.
Segment 3
Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman, the co-owner, Associate Broker, at Core Group @ eXp Realty. CoreGroupRealty.com, the website. 208-933-7777. You can always go to the website, CCoreGroupRealty.com, if you want to re-listen to these broadcasts, or listen to our archived broadcasts, as well. They're all put right there for you, along with the homes that are listed, tips, ideas, different blogs that Thom and some of his staff have put together. You'll find it all at CoreGroupRealty.com. That's the website to go to.
One of the things as we do approach spring, and we are getting closer, people, believe it or not, and that's that curb appeal. What I like to call, that wow factor. I know, more times that not, when I've gone to look for a home, there's a thing when you step out of the vehicle, and you walk up, and you stand on the sidewalk in front of the house, you just go, wow.
Thom Dallman: Wow, oh yeah.
Dave Burnett: This is a nice home. As opposed to, yikes.
Thom Dallman: Yeah, I've been on several listing appointments this last week, and it is amazing, the difference between walking up to a well groomed front yard, and a freshly painted house, a clean front door, versus walking up to grass is kind of dying, cobwebs everywhere.
Dave Burnett: Cobwebs everywhere.
Thom Dallman: Yeah, exactly. There is something to be said about that whole look of a house, when you first walk up, and the feel. That curb appeal, that's your first impression that people get of the house.
Dave Burnett: Then, when you walk in the house, that is the opportunity for wow number two.
Thom Dallman: Exactly.
Dave Burnett: To walk in and go, man, this is wow. This is a nice house. As opposed to, well, it could use some work.
Thom Dallman: Exactly. Yup, I always tell people, remove your furniture from in front of the door. There's nothing worse than opening a door and seeing a couch right there, the back of the couch. Or, a TV.
Dave Burnett: -the back of the door. That's never good.
Thom Dallman: Exactly.
Dave Burnett: That's not good. But, you do have a list of some items that you can do to improve the wow factor and value of your home.
Thom Dallman: Well, yeah. There's a ... I was actually looking online for the 2019 remodeling transactionally. Things that are trending, not only nationally, but they have regionally, as well. Very similar items. The very first thing that they have on the top of the list, that brings the most value bang for your buck, in a remodel project in a house, which kind of surprised me a little bit, was backyard patios.
Dave Burnett: I can see that.
Thom Dallman: A backyard patio has historically, in their national averages for 2018 and 19, is showing about a 55.2% cost recoup, in what it costs to spend it, and what you can recoup in the sale of your house.
Dave Burnett: If you think-
Thom Dallman: Now, these are national averages.
Dave Burnett: Yeah, if you think of the average $300,000 home, and the change that has taken place in these homes in the past five, six years, and that is that backyard, where suddenly, it becomes a livable space.
Thom Dallman: Exactly.
Dave Burnett: Outside kitchens. Sort of, barbecue areas. Places you can put furniture, and it's not gonna get destroyed by the weather. That's been a big change.
Thom Dallman: Yeah, yeah. People are really starting to enjoy the outdoors a lot more, and wanting that outdoor entertaining. So, we're seeing a lot more patios and decks being refurbished, being nicely landscaped and done. Just sold a house recently, over in the Legends, in Boise, this house had the most amazing backyard. They had the ... They put in this big water feature, waterfall. They put in a big outdoor fireplace, with seating around it. Brick everywhere. It was such a beautiful backyard.
They spent ... The seller spent about $30,000, putting in this back patio, kind of into the house. Luckily, she was able to ... They were able to recoup the cost of that in the sale of the house, from when they had bought it 10 years ago, or whatnot. So, it goes to show that there are some of those things that, especially if you're planning on living in the house for a while, that you can recoup the cost via living in it, but then at the end of, when you go to sell it. So, backyard patios.
Dave Burnett: Do you think ... In your experience and expertise with real estate, is the backyard one of those things that a guy ... Maybe, I'm being sexist, here, but a guy's gonna walk out and go, oh whoa. Look at this. Look at the barbecue. Look at the water feature. Look at the ... This is a backyard I could live in.
Thom Dallman: Yeah.
Dave Burnett: Is it kind of a guy thing? Or, is that just me?
Thom Dallman: I think that might just be you a little bit. From what I'm experiencing with buyers, I think both the guys and the gals, everybody's really kind of enjoying that backyard feel, that look. Women, more for the aesthetic beauty of it, depending on what the backyard looks like. Guys, more for the, ooh, I can grill out here, and entertain my friends, and-
Dave Burnett: If I can grill, and watch TV, and lay in a nice lounge chair, I'm sold.
Thom Dallman: Exactly.
Dave Burnett: You've got me.
Thom Dallman: So, I don't ... Yeah, I don't think it's gender specific. I think both ... All genders are enjoying having that backyard space, and enjoying, kind of, the outdoors. We have such great weather here, usually. Usually, not this week, but to really be able to enjoy that outdoor feel.
Dave Burnett: So, investment in your back patio.
Thom Dallman: Back patio. Backyard.
Dave Burnett: We're not talking swimming pools, here. That's a bad investment.
Thom Dallman: Yeah, right.
Dave Burnett: We're talking in the deck and the patio area.
Thom Dallman: Correct. Or, down on the list is deck additions, like adding an actual addition to your deck, and expanding, and stuff like that. So, whether it's composite or wood, they both have their own cost recoup advantages to that.
Next on the list, is garage door replacements.
Dave Burnett: The garage door, okay.
Thom Dallman: An actual garage door replacement, has one of the highest return on investment values.
Dave Burnett: Really?
Thom Dallman: Because, it's so inexpensive to replace a garage door. But, if you think about, especially if your house has one of those garage doors, that's the first thing you see, pulling up to the house, is your garage door, right there in front. So, one of the listing that I was struggling with this last winter, getting sold, they actually had gone and bought a $50 kit that added some texture to the garage door. So, it just added what looked like little pins and stuff on the sides, plus the handle in the middle of the door. Changed the look of the garage door completely. It was amazing how different it looked.
But, a garage door replacement can, especially on a lot of homes that are built with those garages in the front, a garage door replacement can make a huge difference on the look of that. Adding a garage door that has the windows on the top, so the garage is getting sunlight. Things like that, just improves that look of the house. So ...
And, second on that, right below that, is manufactured stone veneer. Adding manufactured stone veneers to your house, in the front of the house, is also another big cost recoup savings. It just-
Dave Burnett: Which isn't ... Think about that.
Thom Dallman: The curb appeal of-
Dave Burnett: That's not a huge expensive on that.
Thom Dallman: Yeah. Well, on average, they are saying that the cost of doing a manufactured stone veneer, and I don't know to what extent ... Excuse me, I'm sorry. But, nationally, it's running about $9,000 to put new veneer on the front of your house, manufactured stone veneer on the front of your house.
Dave Burnett: That would be a significant amount of veneer, then.
Thom Dallman: Yeah.
Dave Burnett: Because, I was just thinking, for me, because I have like ... I have a three bay, or two bays. A double car, and then a single, and just the pillars in between. I've thought about putting veneer stone on them, and it really wasn't ... As I looked at it, it wasn't that expensive to get it done. In fact, I think it was more for the labor than it was for the material.
Thom Dallman: Exactly, yeah. Yeah, it just depends on, obviously, where you're at, and what kind of material you get, and the labor that you can get for it.
Dave Burnett: You get what you pay for, sometimes.
Thom Dallman: Exactly. I was kind of surprised to see that. I hadn't thought about ... I, personally, haven't thought about actually doing that on a house, but the more I think about the new homes that I'm seeing being built-
Dave Burnett: They all have it.
Thom Dallman: The more I'm seeing more and more of that stone veneer on the front. So, it makes sense.
Of course, we've always talked about kitchen remodels. Kitchen remodels, you recoup a lot of that cost. A lot of people love seeing brand new kitchens, and it's just as easy as painting cabinets, updating the countertops, putting in new light fixtures. Maybe, getting some new appliances, and stuff.
On average, that is one of the more expensive, can be one of the more expensive remodel projects, but the return on investment is huge, of doing that stuff.
Siding replacement is another that is quoted as number five on the list. Going through and ... Which, makes sense. If you're gonna do a veneer, the stone veneer siding would be just as-
Dave Burnett: Do that, too.
Thom Dallman: Right? Making it ... It completely makes a different look on the house. I was kind of surprised by this one. Entry door replacements.
Dave Burnett: Yup, I talked to somebody just this week that's replacing their front door.
Thom Dallman: Yeah.
Dave Burnett: Yeah, they're going from ... They skimped when they built the house, knowing that they would replace it eventually, and now they're gonna replace it with something, a very nice entryway.
Thom Dallman: Nice, yeah. Do that. It's showing as on top of the list as one of the biggest ... Or, smallest costs that you can do, but the biggest bang for your buck, as far as curb appeal and looking at the house.
Dave Burnett: Well, it can make a house look the difference between ... And, pardon me the expressions, but being cheap, and being a quality home.
Thom Dallman: Exactly.
Dave Burnett: And, that's just the front door.
Thom Dallman: Exactly. Then, next on the list is window replacements. Obviously, a no brainer. If you have older windows, replacing windows can really update and make your house look so much nicer, with brand new windows. One of those more expensive costs, but at the end of the day, will give you more bang for your buck, when it comes to go to sell.
Dave Burnett: Not only in resell, but in just heating and cooling costs.
Thom Dallman: Mm-hmm (affirmative)- Exactly.
It just kind of goes on down through-
Dave Burnett: Bathrooms?
Thom Dallman: Roofing. Bathrooms. Bathroom models was next, after roofing. Replacing your roof. Bathroom remodels. Getting in there and reorganizing your bathrooms. Getting them updated. Bathroom additions is on that list. Then, at the bottom of the list, is master suite additions. Which, kind of surprised me, because so many people are wanting that master bedroom to just be that ultimate relaxation, and get away from the rest of the house, and stuff. So, I was kind of surprised to see that, kind of, towards the bottom of this list. But, it's ...
Yeah, the backyard patios, topping the list.
Dave Burnett: Are you going to make this into a blog?
Thom Dallman: I will, yeah.
Dave Burnett: That'd be good to see that in a blog, and that way you can go back and kind of take a look at the list, and what ... if you're thinking about selling your home, what would help add to it, or maybe just something you want to fix up for the home you currently live in. So, you can check that out online at CoreGroupRealty.com.
CoreGroupRealty.com, with a sponsor of the Idaho Real Estate Buzz, along with the folks at Movement Mortgage. Do this, call 208-933-7777. That's the phone number at Core Group @ eXp Realty. Find out why they say, you get more with Core.
Segment 4
Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman, the co-owner, also the associate broker, at Core Group @ eXp Realty. CoreGroupRealty.com. That's the website. 208-933-7777.
Every business, every industry, whether you're selling shirts at a store, or whether you're selling grocery, every industry, there's certain things that customers do that, well, the people in the business would rather not have you do.
Thom Dallman: Oh, my.
Dave Burnett: Real estate-
Thom Dallman: Touchy subject.
Dave Burnett: Real estate is no different. And you know, this is a perfect forum to kind of talk about this, in that there's no threat here, you're just listening in as you're about your business this weekend. But, if you're buying or selling a home, you might find a little nugget here of things what not to do.
Thom Dallman: What not to do.
Dave Burnett: We'll call it what not to do when buying or selling a home.
Thom Dallman: Exactly, exactly. Oh my gosh. This is such a touchy subject because we don't like to point out the bad things that buyers can do.
Dave Burnett: Because, after all, they're customers.
Thom Dallman: Yeah. They're clients, they're customers. They're people that we're out there supporting, representing, and so forth. Well, I'll start with kind of a myth, a misconception out there, that a lot of the buyers out there think that a real estate agent gets paid by a brokerage. They get an hourly wage, they get paid by a brokerage. And, that's not true. We're 100% commission.
Dave Burnett: Okay.
Thom Dallman: And so, that commission's already been negotiated into the purchase price, usually, with the listing side. So, it's usually not out of pocket from the buyers. So, the buyers have this misconception that they can go negotiate with the listing agents to get a lower price because they don't have to pay that buyer's agent a commission. But, the listing agent has already negotiated a set commission amount. So, if that listing agent pulls you in as a buyer and represents both sides, they get the full amount. It's not like they reduce it.
Dave Burnett: Let's put it this way. Let's say I contact you, Thom. And, you're my agent. We're driving around. We look at different places. And suddenly, I see a sign for sale. Without you-
Thom Dallman: Yep.
Dave Burnett: ... I see a sign, and it's XYZ Realty. And I think, "You know what, I'll just call them. They're the one listing the house."
Thom Dallman: Yep. Happens all the time.
Dave Burnett: And so, I call them and say, "Hey, you're listing this house. I kind of would like to buy it." Since they're listing it, they aren't really helping me, they're helping the guys selling the house, aren't they?
Thom Dallman: Yeah. Remember that they're under contract and have a representation agreement with the sellers to try to get the most money that they can for that house for the sellers. So, their obligation is to the seller, not to you as a buyer, not to help you negotiate, not to help you-
Dave Burnett: Well, they'll help me fill out the paperwork. But typically, they're not gonna have my best interest in mind.
Thom Dallman: Correct, correct.
Dave Burnett: I'm just a buyer to them.
Thom Dallman: Correct.
Dave Burnett: I guess that would be the old, "Hey, I got a deal for you." And then, you get two for a dozen or, you know-
Thom Dallman: Yeah. Now, there is the concept of double ending where the listing agent does have the buyer, and they try to represent both sides equally. But in my opinion, I just don't know how anybody can not just vie for one side or the other a little bit more than necessary. So-
Dave Burnett: I think ... And, I'll say this because I don't sell homes. I'm not associating with Core, other than the fact that I do this show with you. Human nature is, "I'm gonna try to take care of myself."
Thom Dallman: Yep.
Dave Burnett: And if I'm selling something, I'm gonna try to take care of myself and get the best deal for me. So-
Thom Dallman: Yeah, exactly.
Dave Burnett: Yeah. So, don't go around your agent. The price is always set in there.
Thom Dallman: Exactly, exactly. And, if you're working with an agent, and if they're taking you out and showing you property, they're doing it of their free will in the anticipation that you're gonna work with them to help you buy the house eventually, buy a house. So, we don't get a commission unless we help you buy a house. That's all ... We don't get paid.
Dave Burnett: And, I will say this about Core Group @ eXp: If for some reason you're out looking at properties and you don't feel the agent is fitting right with you-
Thom Dallman: Oh, yeah. Let us know.
Dave Burnett: ... get a hold of you, and you'll get you somebody else that'll fit your personality better. Because, not everybody's a match.
Thom Dallman: Now, I have on occasion had people call me and say, "Look. I asked my agent to show me this house. They said they couldn't show it to me until tomorrow. So, that's why I called the listing agent and brought it up with the listing agent, because my agent wasn't available." So, you do have to preface that with, if your agent's not available, then you might have to have that discussion with them and say, "Hey, I keep trying to look at property with you, but you keep putting me off until the next day. The house goes under contract, I'm losing these deals and stuff." So, you do want a agent that is fairly accessible and can get out there to show you property quickly right now, because it's a seller's market.
On the reverse side of that, you can't expect to be able to get into a house within 15 minutes.
Dave Burnett: "Oh, I just drove by the house Thom-"
Thom Dallman: "I just drove by this house. Can I get in it?" "Oh, well I'm afraid that it's owner occupied. They need an hour notice." Or, a lot of times there's tenants in there. Or, maybe they have dogs, so they have to have time to go in and let the dogs out. So, don't expect your agent to be able to just drop everything, run out there, and show you a house if it's got owners in it and stuff like that. 'cause, a lot of times they need time to get the house ready for you.
Dave Burnett: Well, anyone who's ever sold a house, you get it, you understand. It's like, "Oh, no. We just ate fish. We need to open the windows and air the thing out for crying out loud."
Thom Dallman: Yep.
Dave Burnett: So, yeah. So, be considerate of the people who's in the house, and that the agent, it may take them a little while to get into it. When I say a little while, maybe several hours, or whatever it might be.
Thom Dallman: Yeah.
Dave Burnett: So, okay. So, consideration there.
Thom Dallman: Consideration. Consideration in the type of market right now. It's a seller's market. But, we still have buyers out there that are wanting to low-ball. Let's just put it that way. "I just want a good deal. Every house that I put an offer in, I wanna go in underneath the list price. I wanna at least go 10% underneath the list price." And, it's just not that market right now, because ... Well, I'll preface that with, unless the house has been sitting on the market for a long time. If that's the kind of offers you wanna make, let's look at houses that have been sitting on the market for a while. 'cause, that means that they're probably overpriced, if they're sitting on the market or whatnot. So, there might be that wiggle room of being able to go in and get that house for less.
But, our market dictates the prices on houses. It's not a seller's whim on if they wanna, oh, take this low-ball offer or whatnot. Especially for new homes that just got listed and have other offers.
Dave Burnett: Yeah.
Thom Dallman: We're seeing that.
Dave Burnett: I saw-
Thom Dallman: If your agent says, "There's two offers on this house. What kind of offer do you wanna make?" and you're like, "Oh, I wanna go in $10,000 under their ask price," you might have an issue with being beat out.
Dave Burnett: The last time I sold, back in the '90s, an agent came to me and said, this is their exact words, "I'm kind of embarrassed to give you this offer, but my client wants to make this offer." It was like $15,000 below what we were asking. It's like, "I guess I see why you're embarrassed to give that offer. So, the answer's no."
Thom Dallman: I would never say that about a client. I will always submit an offer that a client wants me to put in for them, and I will try to negotiate that as much as possible. But at the same time, they have to be realistic on what the current situation is with that home and stuff. So, yeah. So, not low-balling in a seller's market is probably a good tip.
Dave Burnett: But, that's where you talk to your agent and say, "Okay, what do you think about this. Is that too low? Is that too low? What do you think is the lowest that they would go?"
Thom Dallman: Exactly.
Dave Burnett: You can talk about that with your agent. And, if you have an agent working for you, they're gonna try to get that figured out.
Thom Dallman: Exactly. Yeah.
Dave Burnett: Yeah.
Thom Dallman: Yep. Probably one of the other points that I wanted to kind of talk a little bit about is just the pre-qualification. We talk about right now, since it's a seller's market, that pre-qualification is so important. Especially when you're trying to submit an offer with competing offers, that pre-qualification letter going with it shows that you are actually able to buy the house, that you have the funds, that your lender is supporting you and you have the loan ready and available. So, going out and looking at houses without that prequalification letter is kind of-
Dave Burnett: Wasting everyone's time. I'll say it.
Thom Dallman: Yeah, okay. Maybe a little bit.
Dave Burnett: I'll say it. Yeah. Well-
Thom Dallman: I don't like to say that, because I do think that there is certain aspect to getting people out to see areas in subdivisions so that they can get familiar with them, per se. But, that's with the intent to learn about the areas, not with the intent of putting in an offer. If you're going out to look at a house to potentially put an offer, be pre-qualified. Talk to a lender.
Dave Burnett: But, that's why Core Group @ eXp's agents, you always ask. That's one of the first things you ask. "Are you pre-qualified?"
Thom Dallman: Yeah, yeah. Exactly. And, the other part of the aspect of that, is you don't wanna go to a house that's $300,000 and find out that you're only pre-qualified for $250,000. You don't wanna waste your time and efforts-
Dave Burnett: And disappoint yourself.
Thom Dallman: ... and get ... and disappointed. Yeah. That's what I see, is the people that have gone out and who have not been pre-qualified end up finding out they don't qualify for what they thought they could. Or, the lender lets them know that, "With your current expenses, and stuff like that, you may not be comfortable with these higher payments," and so forth. So, they end up finding out that they qualify for less, and then they're disappointed. And, they kind of start to give up on the home search because they've all seen these houses that they've fallen in love with in the higher price points, and when they go to look at their wallets-
Dave Burnett: They just don't qualify for that.
Thom Dallman: Yeah. Exactly.
Dave Burnett: As we talk about this, Thom, and as we wrap up the program today, you know what the one thing I see ... the common thread through all of these different items that get frustrating for buyer and for the agent? It's communication.
Thom Dallman: Communication. Key.
Dave Burnett: Talk, talk, talk. Communicate with your agent. Let them know where you're at, what you're looking for, what you want, what your expectations are. And, make sure you have an agent that's talking to you.
Thom Dallman: Yeah, exactly. And, if you're frustrated with your agent, let them know. And if they don't do anything about it, contact their broker and ask their broker for advice. That's why there's a designated broker and a responsible broker on all contracts, is because that's the person to go to who's in charge of supervising that agent and making sure that they're treating you the way they should be.
Dave Burnett: And look at that, that's you.
Thom Dallman: Yeah, right?
Dave Burnett: Thom Dallman, of course, with the Core Group @ eXp Realty, one of the sponsors of this program, along with the folks at Movement Mortgage. If you are thinking about buying, if you're thinking about selling, there's some dos and don'ts, some things just in communication you need to get established right away. And, the folks at Core would love to sit down and talk with you, and just kind of consult with you about what your expectations and what your goals are for home ownership. Now is a great time to buy. And, it's an even better time to sell if you have a home and you're looking to upgrade, or looking, for whatever reason, to sell. Core Group @ eXp Realty is the company. CoreGroupRealty.com is the website. And the number to call, 208-933-7777. Find out why they say, "You get more with Core."
Ron Wieczorek
Movement Mortgage
208 869-9154
Core Group at eXp Realty
208 639-7700
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The market is open and stocks are lower while oil is breaking down again.
In early trade the Dow was down 34 points, the S&P 500 was down 8 points, and the Nasdaq was down 25 points.
Meanwhile, crude oil fell below $US80 a barrel for the first time since June 2012 in early trade on Monday as energy prices continue to tumble around the world.
In a note to clients over the weekend, Goldman Sachs cut its outlook for oil prices to $US75 a barrel for WTI in the first quarter of next year and $US70 a barrel in the second quarter of next year.
Stocks in Brazil are also getting crushed after president Dilma Rouseff won reelection on Sunday, with Brazil's main Bovespa stock index falling as much as 6%.
Rouseff was seen as the less business-friendly candidate, and investors are not taking kindly to her win.
Among the big individual losers following Rouseff's win were shares of Petrobras, down as much as 16% after the result.
On the economic data front, Markit Economics' flash reading for US service sector activity slowed to a six-month low of 57.3, though this reading still shows expansion.
Pending home sales rose 0.3% month-over-month in September, below expectations for a 1% increase but better than the 1% decline seen in August.
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text: Sri G.L. Tripurantaka, Coordinating Officer, JSS Residential School, Suttur, flagging off the NCC Land Army Annual activities of the JSS High School, in Suttur. Sri Sampath, Sri Veerabhadraiah, Head Master Sri G. Shivamallu, NCC Officer Smt. C.P. Nirmala and officers of the 13th Karnataka Battalion are seen in the picture.


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Home » Posts tagged 'Army War College'
Tag Archives: Army War College
Army War College: The U.S. Military is "Precariously Underprepared" for Climate Change
The United States Army War College recently released a report exploring the significant impact climate change will have on national security and U.S. Army operations, and offering a set of urgent recommendations. The second sentence of the report sets the stage immediately, stating "the Department of Defense is precariously underprepared for the national security implications of climate change-induced global security challenges."
The report details the most eminent threats climate change poses to national security: severe weather events, mass migration, diminishing global freshwater supplies, changing disease vectors, Arctic competition, stress on the U.S. power grid and nuclear reactors, as well as sea-level rise. (more…)


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This cooker is still the best value for the dollar for pellet grills I have been looking again for a larger rig, but haven't found one better. If you are looking for an entry level pellet grill this is the one you want. Don't be discouraged by the reviews that talk about leaking smoke or not sealing well because it does leak smoke everywhere. Look at the pic I attached to my review you can see it for yourself it does, but isn't it silly to buy a smoker that doesn't smoke. If you ever go to a BBQ competition you will see most of their smokers leak smoke also.
REC TEC Grills was born in Augusta, Georgia in 2009 by lifelong friends Ray Carnes and Ron Cundy. The pair made it their commitment to build high quality grills and sell them at reasonable prices. But that was only the beginning of their story. The rest of the promise was to treat everyone like family and provide them with world-class customer service. With those two fundamentals in place, the REC TEC Family was born and the REC TEC Lifestyle started to flourish. Your feedback as members of the REC TEC Family and your living the REC TEC Lifestyle has helped this family grow and become that special bond that binds us all together. Thank you to all of our current and future REC TEC Family members. It just would not be the same without you all.
I don't know how many meals I cooked on that thing, but it's been enough to make me a hero and de facto camp chef among my friends. I seared up a tri tip large enough to feed four hungry kayaking buddies at the Salmon River Festival one year, then covered it with foil and cooked it on indirect heat for one of the best steaks of my life, which we happily consumed in the middle of nowhere. The grill also perfectly charred onions and peppers to deliver a mountain of chicken and beef fajitas to a crowd of ten. I still get compliments on that one.
Although these are marketed as grills, they do much more, including baking or roasting. Because they heat by convection, you might not get the grill marks that a gas or charcoal grill will give you, but you also won't have the flame-up problems. While many pellet grills offer high cooking temperatures, the maximum depends on ambient temperature and wind. Many users wrap their grills in special insulating covers to help maintain heat, reduce fuel use, and reach the higher temperatures they desire.


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How to boost place branding leveraging on community relations. An exploration of the banking sector in Ghana
Palazzo, Maria, Deigh, Linda, Foroudi, Pantea and Siano, Alfonso (2018) How to boost place branding leveraging on community relations. An exploration of the banking sector in Ghana. Qualitative Market Research: An International Journal . ISSN 1352-2752 (Accepted/In press)
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Purpose - This paper aims at exploring the relationship between community relations (CR) and the concept of place branding (PB) by analysing several companies in a developing sub-Saharan country – Ghana - and developing a framework that links the selected concepts together.
Design/methodology/approach - The paper provides an analysis based on a multiple case study approach, with an interpretivist analysis of secondary and primary data derived from archival documents and in-depth interviews of corporate social responsibility (CSR) and brand managers from purposefully selected cases of private financial institutions. The data gathered were qualitatively analysed to identify and interpret common themes about CR, PB and other relevant factors such as culture. Based on analysis of the qualitative data, a comprehensive framework for CR and PB was formulated.
Findings - Findings show that, in the developing sub-Saharan country Ghana, the process of establishing a place brand is complex, due to influences exerted on CR practices by culture, management agenda of private organisations, government intervention, and the fragmentation of efforts to generate a coherent dialogue with numerous stakeholders.
Practical implications - The study shows that managers can leverage on an array of CR elements, including moral and ethical obligations of the company, provision of economic benefits, integration, common goals between corporation and its communities, responsibility to stakeholders, proactive action, partnerships across sector lines, and active leadership, to boost PB. Thus, this research will help policymakers, country brand managers and communication professionals in structuring a proper PB starting from the efforts made in the CR field.
Originality/value – This research can be considered one of the few studies undertaken with a view to understanding and developing a CR framework that links with PB in a developing country. The study identifies several important moderators of PB and factors influencing CR. All issues are approached from the viewpoint of PB that promotes economic, commercial and political interests at home and abroad.
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John the Potter's House Concert Weekend
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Bingie Pottery
427 Bingie Rd, Bingie NSW 2537, Australia
Event description
John the Potter's House Concerts
A weekend of music, art, and yoga in the shaded and protected outdoor venue at Bingie Pottery, where highly awarded potter, John Payne, crafts the most amazing sculptures and funky ceramic work.
John invites you to share an intimate concert with gifted musicians -
The gallery and grounds of the Bingie Pottery will be the scene for our second year of this intimate music festival. Limited tickets.
BYO tipple, picnic and bring a chair, it's a festival of sharing a summer evening with friends.
Wander the Potter's grounds & gallery. John Payne's award winning sculptures are stunning .
Join the events on one or both nights with a music program ranging over Blues, Jazz and Folk. Old time favourites & new grooves, with a different program each night. Meet and share some time with our beautiful musicians and volunteers.
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Bingie Pottery
427 Bingie Rd, Bingie NSW 2537, Australia
Your booking fee is supporting
Nutrition for Aussie school kids
$1 = 2 meals


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Bloomington Entertainment and Arts District MapsMap Gallery for Bloomington Entertainment and Arts District (BEAD) Related Maps Economic Development Maps
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Below, we compare the top five retailers that respondents said they had switched spending to Amazon from with the top five they said they had bought apparel from in the past 12 months. The comparison shows that Target, Macy's and JCPenney overindex in terms of share of apparel spending lost to Amazon, relative to their overall strength in shopper numbers.
In August 2012, Amazon announced it would be adding a gaming department to its company titled Amazon Game Studios. Amazon stated that it would introduce "innovative, fun and well-crafted games" to consumers.[66] According to the Amazon Game Studios website, the last game that was launched by the department was Amazon's first ever mobile game Air Patriots, released on November 1, 2012.[67]
Watching Henri-Georges Clouzot's Les Diaboliques through the lens of the modern horror film, especially the slasher flick—replete with un-killable villain (check); ever-looming jump scares (check); and a "final girl" of sorts (check?)—one would not have to squint too hard to see a new genre coming into being. You could even make a case for Clouzot's canonization in horror, but to take the film on only those terms would miss just how masterfully the iconic French director could wield tension. Nothing about Les Diaboliques dips into the scummy waters of cheap thrills: The tightly wound tale of two women, a fragile wife (Véra Clouzot) and severe mistress (Simone Signoret) to the same abusive man (Paul Meurisse), who conspire to kill him in order to both reel in the money rightfully owed the wife, and to rid the world of another asshole, Diaboliques may not end with a surprise outcome for those of us long inured to every modern thriller's perfunctory twist, but it's still a heart-squeezing two hours, a murder mystery executed flawlessly. That Clouzot preceded this film with The Wages of Fear and Le Corbeau seems as surprising as the film's outcome: By the time he'd gotten to Les Diaboliques, the director's grasp over pulpy crime stories and hard-nosed drama had become pretty much his brand. That the film ends with a warning to audiences to not give away the ending for others—perhaps Clouzot also helped invent the spoiler alert?—seems to make it clear that even the director knew he had something devilishly special on his hands. —Dom Sinacola
"I have probably 50 pairs of shoes, and yes, I do actually wear most of them! I have a variety of shoe storage solutions at home, but this one is by far the best and least intrusive in my closet. It only takes up a few inches of hanging space but holds so many pairs. I can even double up on sandal storage where I have room for multiples." — Sally Kaplan
Around 2009, Amazon quietly entered the private label business by offering a handful of items under a new brand called AmazonBasics. Early offerings were the kinds of unglamorous products that consumers typically bought at their local hardware store: power cords and cables for electronics and, in particular, batteries — with prices roughly 30 percent lower than that of national brands like Energizer and Duracell.
Amazon also created "channels" to benefit certain causes. In 2004, Amazon allowed customers to donate $5 to $200 to the campaigns of 2004 US presidential hopefuls, providing links that raised $300,000 for the candidates.[100] Amazon has periodically reactivated a Red Cross donation channel after crises such as Hurricane Sandy, Hurricane Katrina, and the 2004 earthquake and tsunami in the Indian Ocean. By January 2005, nearly 200,000 people had donated over $15.7 million in the US.[101]
In writing this article, I am blowing up my spot. These lamps literally feed me, but I'm taking a new, reformed path of sharing my wisdom in the hopes that my knowledge can do the world some good (like Frank Abagnale at the end of Catch Me If You Can). In the end, all tea must be spilled, and now, my secrets are yours. Here are some of the lamps under $75 that go for much, much more on Craigslist.
I just received this Savvy Infusion Water Bottle a few days ago and have been using it all day long since day one. I love love love this water bottle! I am a nursing mom, who drinks water all day long to keep hydrated and to keep my supply up. Although I've always been a water lover, drinking tons of it all day long can get pretty boring for the tastebuds. Beyond "spicing" up my water with great taste, the list can go on for what I could use this bottle for - from my liquid detox I do every few months to get my body in tip-top health to using it to make my favorite sun tea recipe. I have tried lemon and lime slices, berries, apples, cinnamon sticks, cucumber slices and mint leaves (mixing up combinations). You fill the canister ... full review
If streaming apps aren't enough to satisfy your video streaming needs, Amazon's new Fire TV Recast will add OTA channels to the mix — and a DVR for recording them. It's essentially a super-powered Slingbox designed for Amazon's ecosystem, letting you "watch, record, and replay free over-the-air programming to any Fire TV, Echo Show, and on compatible Fire tablet and mobile devices." You plug an antenna into it to get TV channels up and running; Amazon says it will help customers find the best place to put the Fire TV Recast for optimal channel reception during setup.
Imperiled families are popular forms of community in documentaries this year—on the more heartwarming side is Abacus: Small Enough to Jail, the deceptively straightforward new film from Hoop Dreams director Steve James. In it, James details the ordeal of the Sungs, who ran the only bank to face federal prosecution in the aftermath of the 2008 financial collapse. What's even more surprising is that their bank, Abacus Federal Savings, was a tiny, local institution catering to New York City's Chinatown residents—hardly one of the massive financial corporations that helped crater the world economy. There is a happy ending to Abacus's legal nightmare, however, but James uses the court case as a means to explore the Sung family, particularly patriarch Thomas Sung, who even in his late 70s still elicits a strong hold over his adult daughters, who help run the bank with him while jockeying to curry his favor. Abacus is a family portrait mixed with current events, and if it's less ambitious than Hoop Dreams that doesn't diminish the warmth and subtlety James brings to this look at an anxious, close-knit clan who rally around one another once the government goes after them. —Tim Grierson
Amazon's launch of several apparel private labels over the last couple of years is one sign that it is serious about growing its share of the fashion market. Our survey found that a significant number of Amazon Fashion shoppers have already bought something from one of its still-new private-label ranges and that even more shoppers are interested in trying those ranges:
Customers who are guests of another membership aren't eligible for the following benefits unless they are eligible through their Amazon Household: membership sharing, Kindle Owners' Lending Library, Prime Video, Prime Music, and shopping discounts provided by Amazon Family such as 20% off diapers and 15% Baby Registry Completion discount. Customers who are guests of another membership aren't eligible for Prime Photos.
Amazon's answer to Apple Music, Spotify and the like gives you access to "tens of millions" of songs -- far more than you get from Prime Music. If you already have a Prime subscription, Music Unlimited costs $7.99 per month -- a few dollars less than the competition charges. However, a family plan makes it $14.99 per month whether you're a Prime subscriber or not, and that doesn't represent any savings over the competition. Indeed, you might want to investigate whether Amazon Music Unlimited is good deal for you before adding it to your account.
In April, Bezos announced that Prime membership had exceeded 100 million paid members worldwide. Bezos unveiled the figure in his annual shareholder letter — published since 1997 and widely considered a must-read among executives and business leaders around the globe — and noted that in 2017, Prime gained more new members than in any previous year. By comparison, Netflix at the time had 125 million subscribers.
Promising review: "I've been boiling various pasta noodles at least twice a week for over 25 years. When I first saw the Fasta Pasta microwave cooker demo video, I was a bit skeptical, but interested enough to purchase the product from Amazon. After using the product three times, I can honestly say that it not only cooks pasta very fast, but better, with less mess and energy, than boiling the noodles in a pot. Just follow the simple instructions and you will have perfectly cooked pasta without having to check it while cooking for readiness. I wish that this product had been invented years ago." —George Miller
If I sound too negative, please don't take it that way - I'm just trying to tell you why this isn't a five star book. You have 220 pages of 'awesome and can't put it down' book followed by 40 pages of 'what the hell am I doing reading this' slog, then another 30 pages of fairly decent reading. If you don't read those two chapters, it's a five star book!
In December 2015, Amazon stated that "tens of millions" of people are Amazon Prime members.[27] Amazon Prime added 3 million members during the third week of December 2015.[28] It was also during December that Amazon announced the creation of the Streaming Partners Program,[29] an over-the-top subscription service that enables Amazon Prime subscribers to add additional streaming video services to their accounts. Among the programming providers involved in the program are Showtime, Starz (with additional content from sister network Encore), Lifetime Movie Club (containing recent original movie titles from Lifetime Television and Lifetime Movie Network), Smithsonian Earth, and Qello Concerts.


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tutorials & features
SGO's Ongoing Expansion Attracts Key Recruits - New Regional Sales Manager and Marketing Manager
Last Updated: November 24, 2015 6:36 pm GMT
(Madrid, Spain--November 24, 2015) Tech industry veteran Jose Luis Montero has been appointed as Regional Sales Manager for SGO's Latin American sector, where he will play an influential role in promoting Mistika. An accomplished sales manager with over 18-years experience of developing complex I.T. projects, along with his vast background in electronic engineering and extensive knowledge of the European and Latin American market, makes him the perfect fit for SGO. He is also an impressive linguist, with proficiency in fluent Spanish, English and Portuguese.
Images Courtesy of SGO Group
Jose Luis Montero says, "The technological innovation at SGO is beyond world-class and I am impressed by the brilliant Mistika artists and the cutting-edge projects they embrace. I look forward to playing my part in placing Mistika on the Latin American map as the most popular colour-finishing post production system."
In addition, Tanya Walker has been hired as SGO's new Marketing Manager.
She is a savvy marketeer with broad experience working with market leaders and big-brand innovators including Virgin Media, Vue Entertainment, Clarks and BMW. Tanya has recently relocated from London where she worked as an account director for a global marketing agency to Madrid, where SGO's Head Office is based. Well-versed in all aspects of marketing, she is equipped to readily address the challenges of the post production arena.
"I am delighted to be included in such a dynamic and brilliant team of developers working in a fast-paced creative industry. I have ambitious plans to further push Mistika's brand world-wide like never before, armed with strong marketing campaigns, as well as help cultivate existing customer relationships, establish brand-new ones, and build-up and strengthen partner relationships in SGO's best interests." Tanya Walker affirms.
"This is a very exciting time at SGO. We are passionate about our much valued customers and the creative industry they work in. Jose Luis and Tanya both share our vision, and bring with them a wealth of experience and energy. They will help us drive the Company further forward, ensuring we maintain impetus with expanding our international presence in the market. SGO's technology has revolutionised the way post production works and these excellent additions to the team will play a crucial role in this ongoing process." states Miguel Angel Doncel, SGO's CEO.
Geoff Mills, SGO Group's Director of Global Sales and Operations adds, "We are pleased to welcome Tanya and Jose Luis as key members of the team. As SGO expands further, it is imperative that our sales and marketing strategies are in place as demand increases. They are both excellent assets with relevant expertise and knowledge and will bring enormous value to SGO and the industry."
Beautifully Creative Technology
- SGO is an international organisation expanding rapidly with offices and reseller partners around the world. With successful global operations, SGO is widely recognised as a well-established developer of innovative, award-winning and extremely powerful Mistika post production systems and workflow solutions, including the Mamba FX compositing software for the film and broadcast industries. Visit SGO at
Follow SGO on Twitter @SGOMistika
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Stink Bug Armageddon: The Ultimate Guide to Get Rid of Stink Bugs*
Andy Bland
21st Oct 2019 •
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|Steve McIntyre
|Re: "Protocol error" fix not in v1.11.x?
|Wed, 10 Dec 2003 14:50:59 +0000
On Wed, Dec 10, 2003 at 09:42:57AM -0500, Jim.Hyslop wrote: > >The problem's intermittent, so it may be difficult to verify if the patch >works for sure. I've only seen it once since we upgraded our CVS system >(other users have occasionally reported it). I'm assuming the log entry for >1.289 correctly identifies the problem that the commit is addressing :-) In >any case, I'll run this past the other CVS admins here (I'm not the UNIX >sysadmin, so I won't be doing the patch myself). > >By the way, other than the error message that gets spit out, does anyone >know the effects of this error? Looking at server.c, I'm guessing that the >file CVS/Template does not get created when checking out or updating new >directories. Or is the problem more subtle? We've been seeing it for a while intermittently, with no ill effects. The even most likely to trigger it here is immediately checking out a newly-created branch straight after creating it, if that helps. -- Steve McIntyre, Cambridge, UK. address@hidden You lock the door And throw away the key There's someone in my head but it's not me
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Donny Osmond is coming to Oldham; honestly, the 1970s teen heart-throb is to launch his career as a broadcaster working as a DJ for "Revolution", the area's local radio station. Of course, many of the people who will listen to his Saturday morning show will have no real idea of who he is. After all, the typical commercial local radio listener is aged under 35 which means they were mere babes when Donny was at his peak. The people who really remember young Donny are now in their 50s and 60s. And one thing we know about them is that their brain works differently to when they were in their teens.
New evidence from psychologists at the University of California shows that as we get older we are less able to cope with distractions. What the study looked at was the ability to multi-task when distracted. Younger people were able to cope with distractions and keep their attention on their tasks in hand. However, older individuals aged around 70 were much more easily distracted. They found it much harder to focus once distracted.
The study reveals that working memory – the part of our brain which we use to focus on what is happening in the here and now – is less able to hold information as we get older. It doesn't mean we remember less, instead it means that working memory is more "leaky" when we age.
For website owners this is important. If your visitors are young, the distractions on your site, such as advertising, or internal promotions, can easily be coped with because working memory can handle the extra material. But if your website visitors are older, then their working memory cannot handle the distracting material and the information you want them to focus on. This means that your older website visitors could end up focusing on things you don't want them to – the distracting items.
Knowing the age of your website visitors can help. If you have younger visitors then advertising can work – they will not be distracted by it and could even use it, bringing you in additional income. But if your visitors are older they may be distracted by the advertising, taking their focus away from what you really want them to engage in.
And that could be a problem for the Oldham radio station 96.2 The Revolution – older listeners attracted by the Donny Factor could well be distracted by their memories of their teenage years that they never hear the adverts. Oh whoops…!
Related articles
- UCSF study on multitasking reveals switching glitch in aging brain (esciencenews.com)
- Nultitasking study reveals switching glitch in aging brain (sciencedaily.com)
- UCSF study on multitasking reveals switching glitch in aging brain (eurekalert.org)
- Memory Study Explains 'Senior Moments' (livescience.com)
- Brain Scans Show How Multitasking Is Harder for Seniors (wired.com)
Graham Jones is an Internet Psychologist who studies the way people use the online world, in particular how people engage with businesses. He uses this knowledge to help companies improve their online connections to their customers and potential customers and offers consultancy, workshops, masterclasses and webinars. He also speaks regularly at conferences and business events. Graham is an award-winning writer and the author of 32 books, several of which are about various aspects of the Internet. For more information connect with me on Google+