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Why Are Mortgage Rates Still Low When Housing Demand Is High?
Why Are Mortgage Rates Still Low When Housing Demand Is High?
This BLOG On Why Are Mortgage Rates Still Low When Housing Demand Is High Was UPDATED On March 12th, 2019.
Mortgage Rates Are Still Low When Housing Demand Is High. The economy is in full gear. Mortgage Rates still at historical lows and many wonder when mortgage rates will be going up.
- The real estate market crash of 2008 hit everyone in the United States from left field
- Never in history has real estate values dropped throughout the country as it has
- The 2008 real estate and credit collapse affected every American household
- Whether they were upper class, upper middle class, middle class, lower class, white collar workers, blue collar workers, retired folks, and self-employed workers, the Great Recession devastated many American Families financially
- Bankruptcy and foreclosures rates have skyrocketed
- Never have bankruptcy and foreclosure rates have been as high as in 2008 and even to this day
- The economy has yet not recovered fully
- Even though job numbers have improved, many economists are questioning those numbers
- Many have dropped out of the workforce altogether and have given up looking for jobs
- Entire industries such as the real estate industry, construction industries, and mortgage industries have lost hundreds of thousands of workers and had to go through a major overhaul
Rebound Of The American Economy
Since President Donald Trump took office in January 2017, the American Economy has been at work in a great way. The Dow Jones Industrial Average has hit historical highs five times.
- There does not seem to have any signs of a market correction
- Housing prices have escalated and are appreciating in all parts of the country
- Both the FHFA and FHA have increased loan limits due to rising home prices
- There is more demand for housing than there are homes
- Home Builders are having historical revenues and selling homes like hotcakes
- This is has been a long journey to recovery since the Great Recession of 2008
- Many economists believe was the longest recession in the history of the United States and possibly the world
- Many believe that Barack Obama did more damage than good
- Obama will probably go down in history as the worst American President
Where Are Mortgage Rates Headed In 2019?
Due to the slow economic recovery, mortgage rates have been at historical lows since 2008 with no major increases
- Half of the mortgage companies have closed their doors and the whole sub prime mortgage market have become extinct
- Due to the lack of economic recovery, mortgage rates have been at record lows since 2009
- But as everyone knows, mortgage rates cannot remain this low forever
- The Federal Reserve Board has announced that they are planning on raising mortgage rates the second half of this year
- Many real estate and mortgage industry experts agree that 2018 will be the year where mortgage rates will finally start spiking up
- Talks of mortgage rates increasing have been around for the past couple of years but still remained low.
Mortgage Rates May Be Headed Higher
Mortgage rates have been extremely volatile in the past several weeks.
- The stock market does not know which direction to go with triple-digit market swings
- There are still millions of homeowners who can benefit from today's mortgage rates before mortgage rates start to spike up in the second half of 2018
- Mortgage rates are still at a two year low and millions of homeowners who are sitting in the sidelines should consider shopping for a refinance mortgage loan
Comparison Of Rates On May 2018 And Rates Now
Homeowners who were trying to refinance prior to May 2018 but could not due to mortgage rates skyrocketing have a second chance this year.
- Nobody has a crystal ball on whether or not mortgage rates will go up starting the second half of 2019
- But all market indicators point to that direction, especially the Federal Reserve Board announcing that they are planning on increasing rates
- The Federal Reserve Board can always change their minds
- Back in May 2018, mortgage rates jumped over 1.0% literally overnight where millions of homeowners lost their chance of refinancing their home loans because they did not lock the rates
- Many just waited month after month for mortgage rate corrections but it never got low enough for them to get a net tangible benefit
With Mortgage Rates Still At Historical Lows, Great Time To Purchase Home
The home buyers market is still expected to remain strong even with higher mortgage rates in 2019.
- FHA reduced the annual FHA mortgage insurance premium from 1.35% to 0.85% a few years back which significantly spiked home sales
- The reincarnation of the 3% down payment conventional loan program, the home purchase market is not to be affected by mortgage rates increasing in 2019
What Industry Experts Say
Massimo Ressa, Chief Executive Officer at Gustan Cho Associates at Loan Cabin Inc. issued the following statement:
Mortgage rates can be difficult to pin down with precision, but all experts, including myself, agree on one thing: Rates will stay north of 5 percent throughout 2019. The Mortgage Bankers Association forecasts the average 30-year fixed mortgage will hold at 5.1 percent for most of the year. As a result, mortgage origination volume will stay flat compared with 2018 at roughly $1.63 trillion. In my opinion, I feel rates will move even higher. The average 30-year will stay at 5.3 percent throughout much of the year, reaching 5.5 percent by the end of 2019. Slower economic growth in 2019 could temper major rate swings. Unless inflation picks up, rates and home sales will stabilize in the new year as GDP growth slows to 2.3 percent, down from 3.1 percent in 2018. The economy will slow further to 1.6 percent growth in 2020. If mortgage rates trend sideways next year, as we anticipate, and home price appreciation continues to moderate, improving affordability should breathe some life into the housing market. With higher rates, your borrowing costs will go up. To get the most competitive rate offers possible, boost your credit score and make a larger down payment. You may need to lower your price point to stay within budget — and that means adjusting your expectations of the type of home you can reasonably afford. Contact us at Gustan Cho Associates at Loan Cabin Inc. at 262-716-8151 or text us for faster response if you have any further questions. As CEO at Loan Cabin, I am different than others because I am always accessible.
Home Buyers who need to qualify for a mortgage with a direct lender with no overlays on government and conventional loans can contact us at any time at Gustan Cho Associates at 262-716-8151 or text us for faster response. Or email us at email@example.com. We are available 7 days a week, evenings, weekends, and holidays.


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We're looking at 'Kitchen Queries' today. This means giving a few simple cooking tricks to make sure your meals are reliably delicious. It could be from chopping an onion to making sugar spun treats. But today we are focusing on that breakfast special, the egg.
A good friend of mine recently asked me a kitchen query, how do you make the perfect runny boiled egg?. Many rely on their shaky judgement and hope for the best when they crack open the egg that it won't be a solid yellow yolk staring back at them. The perfect boiled egg is an absolute delight with a molten golden yolk and a light fluffy white surrounding, and it's match made in heaven is buttery toasted soldiers. With this fail-safe recipe you will be able to enjoy that beautiful runny golden yolk whenever you please. Enjoy!
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Note: All hobs are different from one another if you put the egg in first before boiling the water this will make it hard to judge timing-wise. This way, we can ensure the water is at a boiling point before we put the egg in to give a consistent starting temperature for cooking the egg.
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Equator Principles
The Equator Principles provide a framework for banks to assess and manage the social and environmental impact of large projects to which they provide finance.
The framework ensures that these projects are developed and operate in accordance with good international environmental and social standards. HSBC voluntarily adopted the Equator Principles when they were first launched in 2003.
The Principles were originally drawn up to address the sustainability impact of project finance. This is a long-term method of financing where lenders are repaid primarily through revenues generated by a specific project – typically large and complex installations such as power plants or mines.
Following an update in 2013, financial institutions that have signed up to the Equator Principles are now required to apply the standards to project-related corporate loans and project-related bridge loans, as well as advisory mandates. HSBC had always voluntarily applied the Principles beyond pure project finance to other types of loans for projects and we therefore welcomed the changes.
We continue to voluntarily extend our application of the Equator Principles beyond the new requirements. For example, the Principles only apply to bridge loans that the customer intends to refinance via project finance or a project-related corporate loan; however HSBC includes all bridge loans for projects.
One of the obligations under the Equator Principles is to report on how we implement them and the following sections provide details and figures of the transactions undertaken by HSBC.
Supporting higher standards on infrastructure projects globally
Since 2003, HSBC has applied the Equator Principles to over 900 transactions, ensuring high environmental and social standards were met. This included:
- Finance for over 700 loans totaling approximately USD70 billion
- Advisory services on 200 deals
HSBC's procedures for applying the Equator Principles are included in its credit risk policies. For transactions that fall under the scope of the Equator Principles, our global businesses must complete the appropriate implementation template, including the requirements for each applicable Principle, and conduct a risk analysis and recommendation through the credit risk process. We have more than 75 Sustainability Risk Managers – working in the Risk function across the bank – to assist our global businesses on Equator Principles requirements where appropriate. Global businesses must refer high-risk Category A projects, as well as some Category B projects, to Group Sustainability Risk for guidance and approval. The Group Sustainability Risk team is required to approve or decline any transaction that is deemed to be high-risk under the Equator Principles.
The Group Sustainability Risk team is also responsible for the development and management of the Equator Principles policy, which outlines our internal processes for applying the Equator Principles. The Equator Principles policy is approved by the Risk Management Meeting, a sub-committee of the Group Management Board.
2018 Equator Principles reporting
As part of our commitment, we are required to report the number of transactions we have reviewed using the Principles, with breakdowns by sector and by region. This is shown in the table below. HSBC has reported on project-related corporate loans – now a requirement of the Principles – for a number of years and continues to do so. We also provide data on the number of loans that were independently reviewed, showing we go above the minimum requirement to review Category A and select Category B projects only.
HSBC voluntarily continues to report on a number of aspects beyond what is required. This helps our stakeholders to understand our implementation of the Equator Principles. For example, we provide three-year trends and report on the value of loans, on project-related bridge loans, and on loans for renewable energy projects.
In 2018, total deal volumes under the Principles were down, continuing the previously reported trend. In 2018, a majority of our financings in the power sector under the Principles were for renewable energy projects – including financings for a wind, solar and hydro-electric project. We have also gone beyond the requirements of the Principles, by having all project finance loans reviewed by independent experts who check their environmental and social impacts to ensure good practice.
News and insight
Our ESG Update
HSBC's latest ESG report outlines how the bank is working to meet its wider responsibilities.
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Businesses must adapt to the rise of the green and socially-conscious young consumer.
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Re: How can Rugby League be grown?
Posted: Thu Mar 14, 2019 2:24 pm
More positive posts like stevethegas' certainly encourages me.
A site for fans of Wigan Warriors RLFC. News, views, statistics, profiles and more all contributed by supporters of Wigan RL.
BBC coverage could be the real opportunity to grow the sport and it is up to the RFL to recognise this and drive.morley pie eater wrote: ↑Thu Mar 14, 2019 3:01 pmI also agree with Mike's comments about trying to make the game more open. As defences get better organised and fitness improves, the rules need to be tweaked to keep that balance between attack and defence, and to encourage risk-taking, adventurous play.
But the quality of play alone won't pull in extra fans. RU manage to have different competitions on pay tv and on free-to-air.
Meanwhile RL have allowed the Challenge Cup to lose much of its value and appeal. It needs a re-launch, maybe move the final from Wembley, give more thought to timing, and ensure some mouth-watering clashes over at least the last 4 rounds.
One idea would be to play the 4 quarter-finals over 4 weeks, all on BBC on Sat or Sun afternoon with remaining league games on Thu or Fri.
There's been talk of the need for superstars as Hanley, Offiah or Robinson were, and more BBC coverage would help achieve this.
wouldnt be great as there was none in the 80'snathan_rugby wrote: ↑Thu Mar 14, 2019 12:13 pmWigan's between 2006 and 2014 is better than the 80s and 90s. I would not have guessed this.pedro wrote: ↑Wed Mar 13, 2019 6:05 pmhttp://wigan.rlfans.com/fusion_pages/in ... age_id=489
I wonder how viewing figures compare.


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This article describes the formula syntax and usage of the MMULT function in Microsoft Excel.
Returns the matrix product of two arrays. The result is an array with the same number of rows as array1 and the same number of columns as array2.
MMULT(array1, array2)
The MMULT function syntax has the following arguments:
Array1, Array2 Required. The arrays you want to multiply.
The number of columns in Array1 must be the same as the number of rows in Array2, and both arrays must contain only numbers.
Array1 and Array2 can be given as cell ranges, array constants, or references.
MMULT returns the #VALUE! error when:
Any cells are empty or contain text.
The number of columns in Array1 is different from the number of rows in Array2.
The matrix product array a of two arrays b and c is:
where i is the row number, and j is the column number.
Formulas that return arrays must be entered as array formulas.
Note: In Excel Online you cannot create array formulas.
Example 1
Example 2
You must enter the above formulas as array formulas for it to work correctly. After you enter the formula, press Enter if you have a current Office 365 subscription; otherwise press Ctrl+Shift+Enter. If the formula is not entered as an array formula, a single result is returned.
Note: If you have a current version of Office 365, then you can simply enter the formula in the top-left-cell of the output range, then press ENTER to confirm the formula as a dynamic array formula. Otherwise, the formula must be entered as a legacy array formula by first selecting the output range, entering the formula in the top-left-cell of the output range, and then pressing CTRL+SHIFT+ENTER to confirm it. Excel inserts curly brackets at the beginning and end of the formula for you. For more information on array formulas, see Guidelines and examples of array formulas.


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Our cabinets are all wood construction. They are solid wood fronts with plywood boxes, they are stained on the inside to match the exterior. The drawers are solid wood, dovetail construction, full extension heavy duty glides, soft close options, and 6-way adjustable hinges. We do not use particle board in any of our cabinets.
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Advice To Assist You In Terms Of FurnitureIt is really terrible to find out people struggling when searching for furniture. This is why for your tips on this page, to assist you and people just like you. It can be easily digestible, ensuring you will understand one of the most possible. There's no time at all much like the give start learning!Should you be trying to purchase furniture created in either fully or at best partially environmentally responsible manners, look out for three possible certifications. Scientific Certification Systems uses an SCS label. Also look for SmartWood certification by the Rainforest Alliance. The Green Seal organization also verifies furniture, simply saying Green Seal about the label.Consider the family pet situation when searching for furniture. A residence without free-roaming pets that will stay like that is safer for much more furniture. If you absolutely have uncaged pets or think you could in the future, be far more picky as to what pieces of furniture you acquire.When selecting a whole new bed, be sure you lay out into it to obtain the perfect comfort level for you personally. Often people that choose pillowtop mattresses learn that the mattress is way too soft once they get it home. To assist you to avoid this, lay down within the bed from the position that you simply sleep straight into ensure it suits your comfort levels.When purchasing new furniture or used furniture, make sure each of the drawers and cabinet doors work properly before purchasing. Be sure the cabinet doors close securely and open easily. Test each of the drawers to guarantee they take out correctly and close properly. If you have anything that is just not working, obtain it fixed before purchasing.Don't hesitate to haggle. In this way, furniture is like a car. There's typically lots of mark up because price. You can normally get from 10% up to 20% off when you find yourself a confident haggler. You could feel just a little weird carrying it out, however it will save you hundreds of dollars.Determine what the return guarantee and warranty are for any furniture you are searching into buying. Even though you're totally obsessed about the piece, you must know what options you possess if there are actually issues. If it's an "as they are" purchase, do extra homework upfront to know how the piece may be the best for you.You may purchase furniture with a major chain store, or you may prefer to buy it in a tiny mom and pop shop. In any case, this advice should help. All big ticket furniture purchases should involve research and careful consideration. You've done your homework. Utilize it to get some very nice furniture.


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San Sebastián, Pact of 1930
San Sebastián, Pact of (1930)
an agreement among Spanish republican parties to form an alliance in the struggle against the monarchy; concluded Aug. 17, 1930, in San Sebastián, at an underground conference of the leaders of eight republican parties. The conferees established the Revolutionary Committee to prepare the overthrow of the monarchy. In October 1930 the Spanish Socialist Workers' Party endorsed the Pact of San Sebastián. On Apr. 14, 1931, when Spain was declared a republic, the Revolutionary Committee was transformed into the Provisional Government of the Spanish Republic. The pact was of little relevance after September 1933, when the left-republican parties (Republican Action Party and the Radical-Socialist Party) broke with the Socialist Workers' Party.


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Brit Floyd
Cover/Tribute Band/Performer,Rock
The Brit Floyd phenomenon has been embraced by Pink Floyd fans worldwide. One of its concerts was the subject of a PBS special in 2013. The band boasts of its note-for-note perfection, unique Floydian animation, its state-of-the art sound and lights.
Dates in your area:
The Fillmore Miami Beach at the Jackie Gleason Theater
• Fri 6/14/19 at - 8:00 PM
Germain Arena
• Sat 6/15/19 at - 8:00 PM


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Business Info
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I have been spending more and more time, rediscovering myths and stories.
Am currently watching Mythic Journeys and it is bringing back the magic that seemed to follow me around as a child.
This may sound strange coming from a person who till recently was so logic-oriented that I could have passed for a droid.
But I am living and breathing and I love myths and stories.
The more I am letting go of 'conventional logic'… the happier I am.
The more I am letting go of 'exact truths' and instead am happy for metaphors, for allowing space for more to happen and more to be.
I have rediscovered the power of stories. The ones in books and the ones I tell myself.
I have been spending time, transmuting my stories.
Releasing the ones I have been holding onto, the ones where I am a 'martyr' and my inner qualities are of righteous suffering and insufferable resentment towards others, who I wanted to blame for my suffering. I used to take pride in my greater position in comparison to them, how much more evolved I was, how much more mature…
What a bunch of crock!!!
I don't want my story to be one of suffering, no matter how noble it might sound. I don't want my story to be one of separation, where I am condescending and judgmental.
Now, if I do anything for anyone, I want it to be from a place of abundance and genuine love for them. Not just another medal for being 'good'.
And I want my story to be one of strength and love. Of finding joy. Of looking at life as an adventure and a challenge, rather than one of long suffering and silent endurance.
I want my life to be one of light, I want my story to be along the lines of the myths, of a life well lived and well ended.
I want my story to be one of abiding loving relationships, and new bold amazing experiences. Where with each challenge I grow, rather than endure.
And more than anything, I want to live, such that when I look back, my life does feel like a fairy tale, of wonders and triumphs.
My life is a story of each moment, strung together till it forms a seemingly unbroken line.
But more than anything, I shall make a choice, to make each and every moment, a story of the light. Where I choose love over fear… a few moments at a time, one after the other, and tie them together to make a story of a lifetime.


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NEW IN R20Material Manager Material Nodes Individual Assets Generator Voronoi Noise
This is the color or grayscale information for the Voronoi pattern.
The structure's brightness values are output here.
Brightness progressions that define the distance between the respective cell core from the edges of the cells. Brighter gray tones will be generated at the center of each cell and their brightness will abate linearly to null to the edge of the respective cell. This effect is comparable with a Noise Node's Voronoi 3 noise type.
Brightness values are output here that correspond to the structure of the Noise Node's Voronoi 1 structure. The settings relating to the gaps between the cells have no effect.
This brightness corresponds to the Noise Node's Voronoi 2 noise type. The settings relating to the gaps between the cells have no effect.
Index [-2147483648..2147483647]
When the Voronoi structure is calculated, each cell will be assigned an individual number that can be retrieved here. Since these cells already contain gaps, this output is dependent on all settings for the gaps' wiidths.


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It's that time again...Time for your March industry update.
It seems like no matter where you call home, this year's wintry weather was especially wicked. But luckily, we're starting to see the soothing sunlight at the end of the tunnel. And you know what that means — light, refreshing spring cocktails are just around the corner (rosé, anyone?). But before we get there, why not find a sunny place to sit and check out what you missed this March in industry news?
For the first time in almost a century, pubs across the Republic of Ireland opened their doors for thirsty patrons just days before Easter Sunday — all thanks to a move to legalize the sale of alcohol over the Easter holiday. Before now, such action was banned due to what some considered "outdated" legislation related to Ireland's longstanding ties to Catholicism and Christian traditions, but according to members of the country's pub owners group, it had long been detrimental to tourists and local businesses alike. According to the group, the Vintners Federation of Ireland, the change was expected to bring in around $49 million for the country's pubs. "The Good Friday ban is from a different era," VFI chief executive Padraig Cribben said, per the BBC. "Like all other businesses who were never subject to a ban, publicans now have a choice to open."
Researchers from Johns Hopkins have said that they will continue to participate in a controversial study of the relationship between alcohol and heart disease despite potential conflicts of interest. The Baltimore Sun reports that the study relates to whether having one drink a day can decrease the risk of heart disease and diabetes — but, the paper reports, that 10-year project is largely funded by donations from alcohol companies (like Anheuser-Busch and Heineken) via donations to the National Institutes of Health, which means that results could be skewed or potentially predetermined. In preparation for the $100-million study, Hopkins and 15 other international research organizations are in the process of recruiting participants — who must be at least 50 years old and occasional drinkers. Other requirements include a history of heart events, high cholesterol, high blood pressure, pre-diabetes, or type 2 diabetes. The study will split participants into two groups — one whose members will drink daily and another whose will only indulge on special occasions.
Since the start of 2018, two international industry organizations have designated California's Lost Spirits Distillery as "Best Distillery Experience," and now, The American Distilling Institute has joined the ranks. According to reporting from Markets Insider, the group — the oldest and largest organization of small-batch, independently-owned distillers in the United States — recently awarded Lost Spirits the title at its annual conference, and the franchise won out of over 1,600 contenders. Lost Spirits, which prides itself on implementing new techniques, imbuing new flavors, and developing new innovations, is best known for its unique rums and malts, and while tastings and tours are in high demand, they're available by reservation only.
Cider spikes the market, we point the "whey" to your local cocktail establishment and you can now get drunk without drinking in our May industry news.Read More
They say that April showers bring May flowers, but that's not all this month gave us -- because industry news doesn't take a rain check.Read More
Originally developed as patent medicines, bitters are a necessary ingredient that add immense flavor and depth to a cocktail.Read More


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User Story vs Requirement – What's The Difference?
Published on: September 5, 2016Read more
User story vs requirement… while similar in nature and often used interchangeably, user stories and requirements are different.
The Importance of Requirements
Published on: July 5, 2016Read more
The importance of requirements spans across the entire software team. Documented requirements make sure your team and your customer are on the same page.
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text:
AWS Partner Network (APN) Blog
Category: Public Sector
Do You Want to Sell on AWS Marketplace for the U.S. Intelligence Community?
Are you looking for an efficient way to sell your software to U.S. Intelligence Community (IC) customers on AWS? Today, we announced the launch of AWS Marketplace for the U.S. IC, an isolated and distinct implementation of AWS Marketplace. There are a number of benefits to listing your products in the AWS Marketplace for the […]Read More
Learn About the New AWS Government Competency
We continuously hear from customers about the different areas in which they'd like help identifying the right AWS Partner Network (APN) Partners to help address their business needs on AWS. The AWS Competency Program is one of our most effective avenues to help customers connect with APN Partners who've demonstrated proven success in specialized solution […]Read More
How Does Premier AWS Consulting Partner Aquilent Help Federal Customers Focus on Innovation?
Headquartered in Laurel, MD, Aquilent is a leading solution provider of Digital Services, DevOps, and the full range of cloud services exclusively for the federal government. With an emphasis on DevOps, Aquilent offers customers a full range of federal cloud solutions that leverage Amazon Web Services (AWS) through every level of engagement. The company has been […]Read More
Partners in Innovation: Announcing the AWS 2016 City on a Cloud Innovation Challenge
Are you an APN Partner building technology solutions on AWS to help improve citizens' lives? Today, we announced the call for entries for the AWS 2016 City on a Cloud Innovation Challenge, a global program to recognize local and regional governments and APN Partners that are innovating for the benefit of citizens using the AWS cloud. […]Read More


text:
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June 18, 2016 9:00 am
The Bridge of Peace Festival – 5th Happiness Planting Japanese Cultural Event on June 18, 2016, 9:00 am until 3.00 pm in Lihue at the Happiness Planting Center, Behind Isenberg Park, Lihue Neighborhood Center, and near AT&T.
The day's activities include Japanese Lantern Making, Somen Noodle Game ( 1 – 2 pm) and Mochi Pounding demonstrations (10 -11), Local Foods, Kids and Adult Games with Prizes, Vendor Booths, Bon-dance Kimono, Hair –Tabi Socks Shop, Kimono Dress up, The Kojiki Art Exhibition– The Records of Ancient History of Japan by Yuka Tsukamoto (Artist from Japan), Peace Exhibition by Hiroshima Peace Museum, Authentic Green Tea Urasenke Demonstration(11 am & 1 pm), Japanse Ikebana Sogetsu Flower Demonstrations (10 am) ,The Sacred Earth Choir (11 am), Kauai Sanshin Club (11:30 am) Hula Dance by Rose T. Warken Ceballos (12 noon), Joyful Noise Taiko Drum, Kyle's Shakuhachi Music Entertainment (12:30) and Fun. We also have "Greetings presentations (9am)" "How to wear Kimono" seminar(9:30 am) & documentary movie (2 pm).
As part of that celebration of cultures, arts and music you are invited to share in on these festivities and to participate in many of the Day's activities.
Peace Education Exhibition
1.[ The Kojiki Art Exhibition]– The Records of Ancient History of Japan by Yuka Tsukamoto (Japanese Artist) 9 am – 3 pm
2.[Special Exhibition Hiroshima Past, Present and Future] 9 am – 3 pm
It is a combination of artistic animation and real life pictures exploring the realities of the atomic bombing and the importance of peace in a manner accessible to younger generations. The Sponsor by the Hiroshima Peace Memorial Museum in Japan.
3. [Hiroshima & Nagasaki 10 Feet Project Documentary Film: The Prophecy] 2pm-2:45 43 minutes, color, 1983 / Narration by Donald Richie/ American Film Festival Red Ribbon Award/
10 Feet Project is a Non- Profit Organization started in 1980. The intention of this organization is to raise funds through a grass roots movement in order to purchase film footage shot by the US government in Hiroshima at the time of the nuclear bombing. Then the aim is to produce documentaries utilizing those films to educate people worldwide about the catastrophic effects of war and the need for peaceful solutions.
*Free gifts of Paper Cranes on June 18
3. [Japanese Ikebana Exhibit by Sogetsu Hawaii] 9 am – 3 pm A Flyer of The Bridge of Peace Festival -From Japan to Hawaii Connecting Cultures with Aloha-
Become Vendor please call 635-7127 Nicole
Go Here for more info: http://happinessplantingcenter.org/festival/
Held at: Happiness Planting Center, 3343 Kanakolu Street, Lihue, Hawaii 96766 (across the street from Lihue Neighborhood Center, at the former Immaculate Conception School).
See Map Here: http://happinessplantingcenter.org/contact-us/


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|1.53 oz
|1.34 × 2 in
Phantom/Channeling Crystal
This unique quartz point is both a Channeling Crystal and a Phantom Crystal. Channeling Crystals have a large seven sided facet on the termination in the front of the crystal and a triangle directly on the back. They are used to channel your own inner truth. Within this Phantom Channeling Crystal the outlines of the inner growth evolution through eons of time can be witnessed. The phantom markings are like looking at the rings of a tree to see growth patterns. When combining the effects of phantom energy with channeling properties this crystal can assist you access deep personal truth and channel that essence. This hand held piece is a great meditation tool and can also be used to connect with past lives. This Phantom Channeling Crystal has been cut and polished on the bottom so that it stands on its own. (See Crystal Enlightenment Vol.I pages. 75-77 and Crystal Healing Vol.II pages. 101-109).
Sold Out


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The Northern Line
Bernard Hinault Modernist Cycling Poster
Regular price £15.00
Tax included.
Five time Tour de France winner Bernard Hinault, from our range of Modernist Cycling posters. The design plays on Hinault's nickname of 'The Badger' as well as some of his best days when cycling with the Renault Elf team.
Available unframed, or framed in a 4cm black or white wooden frame with a plexiglass cover.
Unframed Dimensions: A3 only
A3- 297mm x 420mm
Framed Dimensions:
A3 - 370mm x 490mm
Printed on a smooth 250gsm silk
NB - where a border is visible, please note that this is part of the overall design of the print and not a separate mount.


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He has the most successful career of anyone ever in the history of this sport ever in the United States. —Brant Feldman, Holcomb's agent and close friend
One of the best bobsled drivers the United States has ever produced was found dead at the age of 37, Saturday afternoon in the city where he trained.
My first introduction to Park City native Steven Holcomb was in 2009 after he'd won his first World Championship gold medal in four-man bobsled. It was a historic victory, ending a 50-year drought for the United States in a sport that enjoys a much higher profile in other countries.
He was overwhelmed with the attention that accompanied the accomplishment and told me so. Still, he answered my questions about what it meant to do what no U.S. athlete had been able to do in five decades of competition.
"Honestly, it has yet to sink in," he told me then. "And I'm not sure it ever will."
Those words — his words — seem to best capture how it felt to hear that the life of the young man who overcame a degenerative eye disease and depression to become the most decorated U.S. bobsled driver in history ended while he slept in his room at the Lake Placid Olympic Training facility.
"He has the most successful career of anyone ever in the history of this sport ever in the United States," said Brant Feldman, Holcomb's agent and close friend. "We don't have any knowledge about what happened until an autopsy, but whatever happened, hopefully, he went out peacefully."
In the years since that first interview about his first World Championship, Holcomb grew more comfortable in the spotlight.
He didn't have a choice.
A downhill skier who converted to bobsled in 1998, Holcomb became one of the most successful drivers in the world. The guy with a shy smile and a sharp wit won 60 World Cup medals, 10 World Championship medals and three Olympic medals – including gold in Vancouver's four-man competition, the first for team USA in 62 years.
Holcomb was a rare mix of humility and confidence. He was intensely competitive and incredibly generous with his knowledge and insight.
After winning his Olympic gold medal in Vancouver, he was effusive and emotional.
"This is an amazing feeling," said Holcomb, who named the most treacherous turn on the Whistler track (50-50, because those were a driver's odds of making it through without crashing). "You kind of dream about it for years, and then all of a sudden it's happening. It's hard to put into words."
He cleared his throat and blinked back tears before adding, "I don't know. It's just kind of overwhelming."
Six years before he stood atop that podium with Steve Mesler, Justin Olsen and Curt Tomasevicz, a degenerative eye disease threatened to end Holcomb's promising career.
He was diagnosed with keratoconus and sunk into a deep depression. In his 2013 autobiography, he revealed that he attempted suicide in 2007 by taking 73 sleeping pills and "too much whiskey." He said he was just desperate for relief.
He told the Deseret News in December of 2013 that he woke up with the realization that he "was here for a bigger purpose. I have something more that I need to do.' That's when I thought, "I'm going to take advantage of every opportunity."
Holcomb kept driving, even while hiding just how little he could see of the tracks he had to navigate at speeds of 80 and 90 mph. Eventually, he went to his coaches for help, believing he'd have to retire. Instead, the U.S. coaches helped him find a doctor whose innovative treatment (C3-R) not only stopped the degeneration, it helped recover some of the sight he'd lost.
His coaches said during the 2010 Games that every setback Holcomb suffered — including his vision — made him stronger.
Alpine native Chris Fogt began competing with Holcomb in both two-man and four-man during the 2013 season. He said Holcomb was "such a good pilot that if you give him a fast start, he'll win or be top three, every single race."
He won four gold medals in four weeks with Holcomb, and then they won bronze in four-man in what turned to be the closest Olympic bobsled competition in history.
Holcomb also won bronze in the two-man competition with Steve Langton.
Feldman said that Holcomb was in Los Angeles last week working on a number of projects, including a documentary of his life.
"He was in a good place," he said. "He was really excited to take his dad to the Indy 500 at the end of the month with a new sponsor after he missed his 70th birthday (competing) in PyeongChang at the last World Cup."
Holcomb was an avid video gamer who seemed reserved to those who didn't know him, but warm and outgoing to those lucky enough to call him friend.
"People loved this guy," Feldman said. "He was a humble guy who was really loyal to his teammates."
Holcomb asked Feldman to convince one of his sponsors to provide helmets for two U.S. female athletes, including Elena Meyers Taylor, winner of two Olympic medals. She was one of dozens of athletes who took to Twitter Saturday to express heartbreak, surprise and sadness over Holcomb's death.
"Our entire Olympic family is shocked and saddened by the incredibly tragic loss today of Steven Holcomb," said Scott Blackmun, USOC CEO. "Steve was a tremendous athlete and (an) even better person, and his perseverance and achievements were an inspiration to us all."
USA Bobsled and Skeleton CEO Darrin Steel said, "it would be easy to focus on the loss in terms of his Olympic medals and enormous athletic contributions to the organization, but USA Bobsled and Skeleton is a family, and right now we are trying to come to grips with the loss of our teammate, our brother and our friend."
Holcomb became a teacher and mentor to many of the other drivers. He brought a generosity and collaborative spirit, while retaining that competitive drive.
"He was excited by what the team had just done," he said, pointing out that both Langton and Fogt were coming out of retirement to try to win a spot in Holcomb's sled for 2018 Olympics.
"They came back because of Holcomb," Feldman said. "I have notes coming from all over the place. Everyone wanted him to win. He was the oldest athlete on tour, and the fans loved him."
Holcomb was a joy to work with and tough to understand.
Holcomb was an elite athlete and everyman. He was thoughtful, and he was flawed.
He was afraid and he was courageous, and in the end, it is as much his contradictions as his accomplishments that made his success seem like it belonged to all of us.


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FREE SHIPPING on orders over $75.
12 MONTHS PROMOTIONAL FINANCING AVAILABLE* on orders of $999 or more with your Lumens credit card. See Details
Quantity Available:
Hudson Valley is known for their strong traditional, vintage, reproduction and contemporary lighting. Offering the same attention to detail that was evident during the early twentieth century, Hudson Valley boasts a range of classic finishes and glass selections that will surely satisfy even the most discriminating customer.
The Milton Bath Bar is available with the following:
- Fabric shades
- Metal body
- One wall plate
- UL Listed
- Made In China
Finish: Flemish Brass, Polished Nickel
Number of Lights: 2, 3, 4
- 2 Light option utilizes two 100 Watt 120 Volt Medium Base Incandescent lamps (not included).
- 3 Light option utilizes three 100 Watt 120 Volt Medium Base Incandescent lamps (not included).
- 4 Light option utilizes four 100 Watt 120 Volt Medium Base Incandescent lamps (not included).
Compare Brightness:
LumensThe amount of light that comes from a bulb, which has commonly been measured in watts. The more lumens, the brighter the bulb.
WattageA measurement of the power delivered to a component of an electric circuit (allowing a one-ampere current to flow through the component under the pressure of 1 volt.)
Bulb ShapeBulb shapes are denoted with a letter, which describes the shape, and a number, which indicates the size. The number indicates the diameter of the light bulb at its widest part in eighths of an inch.
BaseThe part of the bulb that connects to the fixture and its power supply. Bulb bases are denoted with the letter E, and a number which indicates the diameter of the bulb base at its widest part in millimeters.
VoltageIndicates how much voltage a bulb can accept via the fixture it's installed in.
Light Color TemperatureThe relative color from a light source, measured on the Kelvin temperature scale. Warm light is lower in color temperature (2700-3000 K) and cool, blue light is higher (5000 K).
Average Rated LifeThe average amount time that a bulb is expected to last.
CRICRI = color rendering index. This number, which can go from 0 to 100, measures the ability of a light or bulb accurately renders colors. The higher the number, the better, with most quality bulbs these days measuring at least in the 80s.
- 2 Light Option Fixture: Height 9"
- 3 Light Option Fixture: Height 9"
- 4 Light Option Fixture: Height 9"
- 2 Light Option Fixture: Width 15.5"
- 3 Light Option Fixture: Width 24.75"
- 4 Light Option Fixture: Width 34"
- 2 Light Option Fixture: Depth 8.75"
- 3 Light Option Fixture: Depth 8.75"
- 4 Light Option Fixture: Depth 8.75"
- Plate: Diameter 5.5"
Manufacturer IDs: view
California Residents: Prop 65 regulations
California Proposition 65
WARNING: This product can expose you to lead, which is known in the State of California to cause cancer, birth defects or other reproductive harm. For more information go to www.p65warnings.ca.gov
Proposition 65 de la Californie
AVERTISSMENT: ce produit peut vous exposer au plomb, ce qui est reconnu par l'État de Californie comme cause de cancer, d'anomalies congénitales ou d'autres domages à la reproduction. Pour plus d'informations, visitez www.p65warnings.ca.gov
Prop. 65 de California
ADVERTENCIA: Este producto puede explonerlo al plomo, lo cual es conocido en el Estado de California como causante de càncer, defectos de namimiento y ostros daños al sistem reproductivo. Para obeneter mayor información, visite www.p65warnings.ca.gov
Need help with some of our terminology? Check out Lumens' Lighting & Design Glossary.
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text:
Henry Bibb
could lead to national
historians present findings
Levi King
BEDFORD, Ky. (November 2005) Students, historians
and archeologists convened Oct. 26 to present the findings of recent
research on escaped Trimble County slave Henry Bibb at a luncheon at
the Morgan Community Center in Bedford.
The Oldham County Historical Society received a $5,000
grant from the Kentucky Heritage Council earlier this year to determine
the feasibility of establishing a National Henry Bibb Heritage Trail
and placing Bibb-related sites on the National Register of Historic
Places, the National Underground Railroad Network to Freedom, or both.
Jeannine Krinebrink, the project archeologist, discussed
August and September digs at the Gatewood site. Krinebrink and volunteers
conducted surface collections and a one-meter square test dig.
They plotted a grid around the house, plowed the land and sifted through
the soil, collecting and logging the locations of artifacts.
For more information on the project, visit: www.oldhamcountyhistoricalsociety.org.


text:
[contains unpaid advertising] Colorful illustrated and shiny appearance: Dive travel catalogs are again fully in vogue. We examined the compendiums of ten specialists.
For a long time cataloging was considered a sport from grandma's time. Anyone who was smart has compared on the Internet and booked at the cheapest provider. Stinginess was cool. But these days are over: Premium travel and individual holiday concepts are in demand. The dive travel catalogs provide a quick overview of the most important destinations worldwide and are the ideal reading for rainy Sundays. Most of them are sitting in front of the PC, but if you start a colorful holiday catalog in a relaxed atmosphere, this is an experience for friends and family. Once readers have been infected with wanderlust, they often find direct dial-in as a personal advisor for the individual holiday package or link to the Internet, where they can book their dream trip directly.
Custom dive packages included. Browse, get advice, book favorites and look forward to the holiday: This is the cycle, dictate the new diving catalogs. The concept has prevailed with the organizers, because new goals and changes in the offer are so common that constantly new catalogs would have to be printed in order to keep them up to date. With the offer variety it is great that with the travel providers quickly an expert goes to the phone, who can come up with advice and insider tips.
So we have the Tauchreisekataloge rated
Being colorful and looking beautiful is one thing. What each of the travel catalogs really has to offer, we have examined more closely and analyzed using different categories:
■ Appearance and layout: high gloss or noble in matt. How is the magazine in your hand?
■ Navigation in the catalog: Who searches, who finds. Or not?
■ Destinations: scattered around the world or regional priorities?
■ Descriptions: detailed and detailed or rather clear?
■ Additional information: What can you learn about countries, people and dive sites?
■ Pictures: expressive professional shots or just snapshots of amateurs?
■ Prices
■ Service and advice
■ Highlights
■ Our totally subjective opinion on every catalog
Dive Travel Catalog of Sun & Fun Sports Travel
"Tauchen.Tauchreisen.Draumreviere" is not only the most comprehensive catalog that the tour operator has ever published, but also a wealth of personal recommendations and tips from the travel experts of the provider. You can immediately tell from the catalog that many of the Sun & Fun employees feel at home underwater and have often turned their hobby into a career.
Occurrence: matt with professionally designed, very clear layout Number of Pages: 131
Navigation in the magazine: excellent, thanks to colored table of contents and a large world map. The legend with signs for price categories, information on family friendliness and the subjective "Sun & Fun Quality Check" provides a quick overview of the most important information.
Destinations: worldwide focusing on Africa and Southeast Asia. Oman, Sri Lanka and Bahamas are new to the program. East Timor is included as a particularly extraordinary destination for the first time.
Descriptions: lively descriptions with information on location, accommodation, rooms, meals. The highlight is the additional box "Our opinion", in which Sun & Fun rates the destination. Additional information: extensive with climate tables, regional and dive site information, expert opinions and graphically designed maps
Photos: Varied photos of hotels, nature and diving areas that make you want to get to the regional sights above and under water. Scope of services and prices: no exact prices in the magazine, but a label in five price categories
Service and advice: Sun & Fun attaches great importance to personal advice. Many employees are shown with a photo and literally stand for quality with their name
Highlights: The provider attaches great importance to the individual planning of trips. The subjective quality check and the price guarantee complete the offer. In addition, great emphasis is placed on family-friendly vacation planning.
■ We think: A completely successful catalog, which is very professionally designed. Due to the numerous personal statements of the employees on the travel and quality guarantees offered, Sun & Fun creates confidence in its offers. Since the search makes for the next diving vacation really fun!
Reisecenter Federsee - Diverse destinations and great Maldives special
The colorful glossy catalog "Tauch- und Kulturreisen weltweit" of Reisecenter Federsee feels so good that you will not put it down again. The inner values also convince: The booklet offers a high level of clarity and a worldwide offer. Schmankerl: The Extra Catalog "Maldives. Diving, Snorkeling and Enjoying "is in no way inferior to the big brother.
Occurrence: High gloss with lovingly and clearly arranged layout Number of pages: 111 (plus Maldives special catalog with 36 additional pages)
Navigation in the magazine: simple, colorful and easy to grasp, on a whole page
Destinations: worldwide with various roundtrip and dive safaris plus "Maldives Special"
Descriptions: Divided into location, hotel, accommodation, food and sports & entertainment, the descriptions provide a clear overview of everything informative and often in a nutshell. Dive centers are each presented separately on a quarter page.
Additional information: Information about the country are short and concise and combined with maps.
Pictures: very good, varied shots of well-known UW photographers like Norbert Probst, Paul Munzinger and Frank Schneider
Scope of services and prices: A price idea is given in the magazine, but at the same time referred to the current, detailed price overview on the website.
Service and advice: The team introduces itself in the front of the catalog and offers its customers individual service and personal arrangements. Highlights: round trips, safaris and fork flights are offered. The additional catalog "Maldives" is sophisticated researched and invites you to dream with strong shots.
■ We think: the DIVING AWARD winner has published a colorful, lovingly designed catalog. Class!


text:
YUV Adjust
Allows color adjustment in YUV (Y'CBCR) color space. The YUV color space definition is used to describe NTSC and PAL broadcast signals.
Adjust this filter using the parameter controls in the Filters Inspector:
Y: Sets the intensity of the Y color channel. (Y represents luma/brightness information.)
U: Sets the phase of the U color channel. (U represents chroma/color information.)
V: Sets the phase of the V color channel. (V represents chroma/color information.)
Mix: Sets the percentage of the original image to be blended with the color-corrected image.


text:
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