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Welcome to the Comptroller of Maryland's Vendor Accounting Information section.
This site includes frequently requested forms, manuals, general information, and disbursement procedures for the state of Maryland.
Vendors should keep in mind that the state of Maryland requires all contractors to be registered to receive state payments by electronic funds transfer (EFT) before any contract exceeding $200,000 is approved by the Maryland Board of Public Works. Vendors that are affected by this EFT requirement must register with the General Accounting Division. Additionally, all vendors are encouraged to register to be paid electronically.
If there are additional services and information you would like to see on this site, please contact us. You can access all vendor-related online services by following the links below.
This Google Translate feature is provided for informational purposes only. Please consult with a translator for accuracy if you are relying on the translation or are using this site for official business.
You are being directed off of a Comptroller of Maryland website to the Google Translate service. Because it is an external service, the Comptroller of Maryland cannot guarantee the accuracy or quality of this translation, and is therefore not liable for any inaccurate information resulting from the translation application tool.
Interactive Online Services cannot be translated using this service, and all information you enter must be submitted in English.
Text in electronic documents, such as PDF, Microsoft Word, Excel or other similar, will be translated but without their functionality, and often do not retain their formatting. They may not be used to conduct official business with the agency, and will not be accepted by the agency in lieu of official English or Spanish forms.


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Let your imagination be your guide! Amazing for paper crafts, card making, window decals, wall décor, wearables, scrapbooking... you name it! The possibilities are endless. Please make sure the format you desire is included before purchase. PLEASE READ ALL THE GUIDELINES AND IMPORTANT INFO BELOW BEFORE PURCHASING.******SVG, EPS, DFX AND PNG INCLUDED******PLEASE NOTE: THIS IS A DIGITAL FILE, NO PHYSICAL ITEMS WILL BE SENT. FILE WILL BE AVAILABLE FOR DOWNLOAD AS SOON AS PAYMENT IS MADE. YOU CAN DOWNLOAD YOUR FILES FROM THE EMAIL THAT WILL BE SENT OR FROM LOGGING INTO YOUR ACCOUNT*****IMPORTANT INFO******You are welcome to use this design on personal items or items for sale in small amounts (less than 500 pieces) No mass producing allowed. You MAY NOT upload this file to any print on demand sites such as but not limited to Cafe Press or Zazzle. **You MAY NOT sell, share, trade, or give this file away. You may not use any un-watermarked pictures of this design. If you wish to advertise the design on your website, facebook, etsy or any other digital platform you MUST ONLY USE THE WATERMARKED PICTURE. **UNDER NO CIRCUMSTANCES ARE YOU ALLOWED TO REFORMAT THIS DESIGN OR ANY PART OF IT, INTO AN EMBROIDERY FILE. If you wish to purchase the digitzed embroidery design it is available in another listing in my shop. **** REFUNDS & EXCHANGES ***** THERE ARE ABSOLUTELY NO REFUNDS OR EXCHANGES ALLOWED ON DIGITAL ITEMS. PLEASE BE AWARE OF WHAT YOU ARE PURCHASING PRIOR TO CHECKOUT. NOTHING WILL BE MAILED, IT IS NOT A FINISHED PRODUCT. IT IS A DIGITAL FILE THAT IS TO BE USED WITH A CUTTING MACHINE, FOR EXAMPLE: CRICUT AND SILLHOUETTE MACHINES. NOT ALL MACHINES ARE CAPABLE OF USING SVG, EPS OR DXF FILES. IT IS YOUR RESPONSIBILITY TO KNOW WHAT YOUR MACHINE NEEDS. ***************************************************** Make sure you like us on facebook and join the SoCuteAppliques group for info on new designs, coupon codes, and website sales. designs, coupon codes, and website sales.

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Project Goals
- Support and represent the needs of students in each school district in joint planning with fiscal agents of children's mental health funds, including the expansion of school-based mental health services, transition services, and integrated education and treatment programs.
- Improve coordination of services for children with or at-risk of emotional/behavioral disabilities and their families by assisting multi-agency collaborative initiatives to identify critical issues and barriers of mutual concern and develop local response systems that increase home and school connections and family engagement.
- Increase parent and youth involvement and development with local systems of care.
- Assist school districts in the development and implementation of policies, procedures, and practices concerning the use of restraint and seclusion, including the provision of technical assistance to promote the reduction of any unnecessary use of seclusion and restraint.
- Facilitate student and family access to effective services and programs for students with and at-risk of emotional/behavioral disabilities that include necessary educational, residential, and mental health treatment services, enabling these students to learn appropriate behaviors, reduce dependency, and fully participate in all aspects of school and community living.
This website was developed by the Hendry County School Board through the Multiagency network for Students with Emotional/Behavioral Disabilities (SEDNET) which is a discretionary grant project funded by the Florida Department of Education, Division of Public Schools, Bureau of Exceptional Education and Student Services, through Federal assistance Under the Individuals with Disabilities Education Act (IDEA), Part B.


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Discussing the future of humanitarian action at CSIS/
Since the end of the Cold War, humanitarian activity has grown exponentially.
Several factors today seem to demonstrate profound changes in the sector: the development of crises and vulnerabilities and the risks that are emerging, the environment around humanitarian action and the contemporary challenges to compliance with humanitarian principles, law, and access to victims.
New methods and changes in the composition of the sector itself are also part of this rapidly evolving landscape.
On December 4th, ICRC Director of Operations Pierre Kraehenbuehl joined Ambassador William J. Garvelink at Washington's Center for Strategic and International Studies (CSIS) to discuss "The Future of Humanitarian Action" and launch the latest edition of the International Review of the Red Cross (IRRC).
To better understand the changes underway and how they affect all humanitarian actors, including the ICRC, read the Review and listen to this important discussion between Mr. Kraehenbuehl, US Government representatives and major US NGOs.


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The momentous move toward a single-payer system in Vermont gets most of the attention, but let us not forget another major experiment in health insurance reform now under way in New England: Maine's move in the opposite direction, toward a looser health insurance market.
Thanks to Josh Archambault, director of health care policy at the Pioneer Institute, a conservative think tank, for pointing out today's update on Maine's moves in the Morning Sentinel here. From that report, it sounds like people still disagree on the effects of the path Maine has chosen, but all agree that the status quo could not stand. (Hmmm. Sounds a lot like Massachusetts.)
Here's how MaineToday Media state house writer Susan M. Cover sums up the Maine changes:
Dr. Wendy Wolf, chief executive officer of the Maine Health Access Foundation, laid the groundwork for the forum by talking about L.D. 1333, a law passed with mostly Republican support in May.
"This law represents one of the most significant changes in health insurance since the 1990s," Wolf said.
The law takes steps to ease regulations in the health insurance system. It allows Mainers to buy insurance across state lines, gives insurance companies flexibility in setting rates for people based on age, whether they smoke, and where they live. It also creates a "high risk pool" for people who use a lot of health care services.
To pay for those in the pool, everyone in the state with private coverage will pay as much as a $4 monthly assessment, which could go as high as $6. The $4 assessment would generate $25 million a year to support the reinsurance pool, said Eric Cioppa, acting superintendent of the state Bureau of Insurance. Continue reading


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Make Hulu your go-to streaming destination and start your free 30-day trial today. Stream today's most popular shows the day after they air, exclusives only available to Hulu, originals, movies, and kids favorites.
With your free 30-day trial you'll be able to relive timeless comedies like Seinfeld and Golden Girls, keep with up Hulu Originals like The Mindy Project and The Path, and watch hit movies like Dirty Grandpa and 10 Cloverfield Lane. And here's what's coming up in the next 8 weeks:
- 3.17.17 - Fargo Season 2
- 3.28.17 - Archer Season 7
- 4.24.17 - Preacher Season 1
- 4.26.17 - The Handmaid's Tale (A Hulu Original)
Once your free 30-day trial ends, choose between the Limited Commercials plan at $7.99/month or the No Commercials plan for $11.99/month. Both plans will get you unlimited access to Hulu's movie and 1ooK+ TV show libraries, current season episodes next-day, the option to add Showtime, and more.
Offer valid for Limited Commercials plan only. New subscribers only. Offer ends 06/12/17. $7.99 monthly subscription fee, plus applicable taxes, applies after free trial ends unless you cancel before end of free trial period. SHOWTIME® available for $8.99/month. Cancel anytime. Cannot be combined with any other offers. Hulu subscription is subject to Hulu's terms and conditions: www.hulu.com/terms.
Start Your Free 30-Day Trial Of Hulu: Watch Old Favorites, Discover New Hits
The Promotions team (we're on the business side, not editorial) negotiates discounts on notable products and services and Gizmodo receives revenue if these products and services are purchased. If you're interested in partnering, have questions or comments, drop us a line at email@example.com


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Hot Man – Rafael
Rafael, 26, 5'11" and 174 lbs, is a sexy Brazilian-American now living in the States for several years. He's completing his studies and also models part time. He enjoys working out, computers, and a variety of contact sports, including mixed martial arts. He did commercial modeling when he was in his teens but has recently decided he wanted to get back into it– he's now focused on fitness modeling.
Rafael works out several times a week to maintain his physique and is looking forward to seeing where his new modeling endevours will take him.
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The Heroes Journey
- Published in News
- 08 Dec
From a recently published article : new course commencing on:
Monday 3rd June 10.30-5.30pm
July 2019 date tbc
Booking necessary 02392 453 204/07710 994432
The rites of Munay Ki: an ancient approach to being a better you
Aromatherapist Sarah Williams wants to bring the life changing rites of Munay Ki to a wider audience in the UK…
The Munay-Ki comes from a Quechua word that means 'I love you.' There are nine rites of initiation which help us to become a person of wisdom and power who has accepted the stewardship for all creation. They derive from the great initiations from the Hindus Valley that were brought to the Americas by the first medicine men and women who crossed the Bering Straits from Siberia during the glacial period some 30,000 years ago. These courageous travellers were the Earthkeepers of old.
Since the Earthkeepers come from the future as well, they can help us to access who we're becoming as humans 10,000 years from now. The visions of the future come as possibilities, because everything is still in potential form. In fact, there is no real future or past as we can only be in the moment that is now. By keeping our thoughts positive and clear we can easily side step any negativity/heaviness. What we visualise is what we create, so if we "worry" about something we are likely to manifest it. Our inner and outer dialogue are therefore of utmost importance.
Munay Ki is a way of moving away from negative influencesand allowing you to dream your perfect world into being. Munay means Love and Ki is energy, so Munay Ki is a transformative process. We think of our bodies as being four Russian dolls, nesting inside each other; the Spiritual body, encompasses the Mental Body which surrounds the Emotional body which informs the Physical body.
The nine rites are energetic transmissions that heal the wounds of the past, encompassing both your karmic and genetic inheritance. They re-inform your DNA, enabling you to grow a new body - one that ages, heals, and dies differently. The Munay-Ki is your invitation to dream an entire new world into being. You can clear your luminous energy field from blocks connected to poverty and shadow. We utilise the Peruvian bubble cleanse, a short meditation to clear your four body fields of any hucha or heaviness.
I received my own rites in 2011 and after participating in ceremonies in Mexico and connecting with my own Mayan guides, I have been sharing the Rites with others since 2012. I believe that the Munay Ki has changed my life dramatically. I seem to be able to manifest in a totally new unprecedented way, and some people even tell me I look younger!
As you experience the higher seventh, eighth and ninth initiations, you can metaphorically download a new and better version of the software that informs your luminous energy field, which will then inform your DNA, giving it instructions on how to create a new body that will age, heal, and die differently. There's nothing you need to do to attract these luminous shamans. They'll come to you when you invite them to do so and are ready to receive them. We say that when the student is ready, the master appears. They will be available to support you in your efforts to bring a bit more light and healing into the world. They're also there to protect you from the negativity and fearful energies in the world today.
To discover more about Munay Ki, please visitwww.organic-aromatherapy.co.uk. If you are interested in receiving the rites or require more information please call Sarah on 0844 357 9843.


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Austrian Citizenship Days
The Austrian Citizenship Days are an annual nationwide campaign (each year between 23 April and 9 May) in order to raise and strengthen public awareness of citizenship education in Austria. As an initiative by the Austrian Federal Ministry of Education, Science and Research the Citizenship Days are coordinated by polis – The Austrian Centre for Citizenship Education in Schools.
The guiding idea is the Council of Europe's slogan Learning and Living Democracy within its Education for Democratic Citizenship and Human Rights programme.
The campaign aims to motivate schools, youth centers, museums, radio stations, movie theaters, NGOs, institutions for adult education and other multipliers to interact and connect on the basis of citizenship education.
Topics include democracy learning, global learning, intercultural learning, governance and division of power in Austria and the European Union / the Council of Europe, human rights, minority rights, participation, diversity, inclusion and many more.


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Monday, January 14, 2019 at 1:00 PM until 2:00 PM
Visitor Center, Low Memorial Library - Room 213535 W 116th StNew York, NY 10027United States
Members of the Admissions staff will be joined by members of the Office of Financial Aid and Educational Financing and the Center for Student Advising, as well as current transfer students. This is a wonderful opportunity to learn more about academic and campus life, the application process and affording Columbia. You will also have an opportunity to take a campus tour.
Registration is no longer available because the registration deadline has passed.


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IT2402 MOBILE COMMUNICATION ANNA UNIVERSITY NOV/DEC 2011 QUESTION PAPER for IT - 7th Semester ...
Posted by R.Anirudhan
B.E./B.Tech. DEGREE EXAMINATION, NOVEMBER/DECEMBER 2011.
Seventh Semester
Information Technology
(Regulation 2008)
Time : Three hours Maximum : 100 marks
Answer ALL questions.
PART A — (10 × 2 = 20 marks)1. What is meant by 'Frequency reuse'?
2. Differentiate between soft and hard hand off.
3. What is WLL?
4. Differentiate between WiFi and WiMAX.
5. State the pros and cons of GSM.
6. What is PDP?
7. Differentiate between 2.5 and 3G wireless networks.
8. What is freezing?
9. What is iMode?
10. What is syncML?
PART B — (5 × 16 = 80 marks)11. (a) Write a detailed note on Cellular wireless networks.
Or(b) What is CDMA? Explain FDMD, TDMA and CDMA.
12. (a) Describe IEEE 802.11.
Or(b) Write a note on Mobile Adhoc networks.
13. (a) Explain the GSM service architecture in detail.
Or(b) What is GPRS? Explain in detail.
14. (a) Write a detailed note on Mobile IP protocol.
Or(b) Explain the following :
(i) Indirect TCP
(ii) Snooping TCP.
15. (a) Write a detailed note on WAP.
Or(b) Explain the following :
(i) WML and
(ii) WML scripts.


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Brother MFC-J430W Driver Download
Brother MFC-J430W Driver Download – The Brother MFC-J430W Printer is an easy to use keeping nothing down one that allows you to printing machine, duplicating machine, separating engine and faxing machine. The gets are sensibly situated, and investigating the menus is basic. You can even yield to a PC direct from the control board. Substance appears to be dull faint rather than dim, and shading representation look clear however a touch washed out with shadows that cloud too quickly. Full-page photos engraved on the Mac to the same sparkling paper took around 2 minutes each which speaks the truth ordinary yet yields and copies to plain paper were rapid.
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The Americanist Independent - August Issue!
It has hit the web! This month, there is something of an "in the aftermath of Civil War" theme going on - I will work in the thematic approach from time to time when things seem to align just so. This is one such issue. So if you are interested (even a little) in America's greatest conflict - this issue is for you. Our feature articles:
Independent historian Heath Hardage Lee discusses her work on Winnie Davis, youngest child of Confederate President Jefferson Davis and famed "Daughter of the Confederacy." She discusses her significance on terms of the Lost Cause interpretation of the Civil War as well as her role in the process of reconciliation. There are some multi-media components here too including both radio and video interviews embedded into the journal.
North Carolina State archivist Aaron Cusick walks us through the Confederate pension process and describes how these pension records are digitized and made available to the public. It's pretty fascinating stuff - and it underscores how useful the records are to historians and genealogists alike.
There are two new features in this month's issue. First, the Conference Review section. For August, participants Evan Clapsaddle, Al Mackey, Ray Ortensie, and Marilyn Jess review their experiences at the Civil War Institute Conference at Gettysburg College. Hint: all four liked it. Second, I've including something I call "Harristorian Archives," where I take a look at the significance of a historical document or old book in my private library. This month I look at the images included in: Commonwealth of Pennsylvania, Fiftieth Anniversary of the Battle of Gettysburg: Report of the Pennsylvania Commission (Harrisburg: Commonwealth of Pennsylvania, c1913). These images are key to understanding the "Southern Terms" argument concerning reconciliation.


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Nature Trek: A Glacial Perspective
- Dickson Mounds, Lewistown
Event Audience:
Did you know glaciers contributed to the formation of the Illinois River Valley? Learn about how the last Ice Age shaped the present-day landscape.
Participants will meet at the Therkildsen Field Station at Emiquon, 11316 N. Prairie Road, Lewistown, to begin the hike through The Nature Conservancy's Emiquon Preserve. Information will be presented by U.S. Fish and Wildlife Service's and Dickson Mounds' staff. Participants must dress appropriately for the outdoors, provide their own drinks and snacks, and be able to hike comfortably with an elevation gain and across uneven terrain. This program is sponsored by the Emiquon Partnership.


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Category Archives: Journal
DIY Laundry Detergent Dispenser
Clarification: My wife does approximately 98.376% of the laundry for our family of 4. For this I am immeasurably grateful. I don't know how she keeps up with it all and I was just trying to solve a mildly annoying … Continue reading
Posted in House Tagged diy, lifehacks 9 Comments
Five minute mind map – July 3rd 2010
I've been using iThoughtsHD on my iPad to keep notes during meetings and thought it would be a unique way to post occasional blog entries in my journal. I'm sure my thoughts on how to do this will evolve (or … Continue reading
Posted in Journal Tagged mindmaps Leave a comment
Review of Ortho Ground Clear
Ortho GroundClear Overall Rating: 4.5 out of 5 Experience Date:Apr 17, 2010 Good: Works as advertised, kills Bermudagrass Bad: Appears to work for less than a year (although it is "up to 1 year"…) More Thoughts: If you've known us … Continue reading
Posted in House, Reviews Tagged Yard Leave a comment
That's what I've felt like mostly for the past 4 days. There have been moments of "ahh" (very very few, mostly following some sort of very cold moisture hitting my throat), many "unnnnhnnnnnnnnn"'s, some "blechhhh"'s and even more times where … Continue reading
Chemistry at work
We (the geeks in the office) have made a few attempts at getting a fishtank to work here. Not a desktop one, but a 100 gallon one. It worked great for a while, then something happened with the cover we … Continue reading
Posted in Journal Tagged fish Leave a comment
Resuscitating the blog?
In all the web2.0/social networking giddiness, I've fallen into the habit of many others </blameshifting> I update twitter/facebook occasionally, I use delicious religiously and I don't post as many pictures from my phone as I would like. Sarah does a … Continue reading
Posted in Journal Tagged isaac, sarah Leave a comment
Pretty much sums it up.
Posted in Journal Leave a comment
You spin me right round…
I don't even know where to start with this. If you haven't seen it, it is Rick Pino (a modern charismatic worship leader) essentially leading a rave/"worship"/80's sing along/square dance (3:50) service. Is this where relevancy gets us? His last … Continue reading
Posted in Journal Tagged religion Leave a comment
Agitator Dogs
The agitator in our clothes washer (the thing that pushes the clothes all around) recently quit agitating. Armed with my trusty new(ish) Sears tools, I set to doing what I do…taking stuff apart to understand it. I got to the … Continue reading
Posted in House Tagged diy, sarah Leave a comment
The increasing difficulty of finding out anything (in American politics).
Those of you who follow politics closely, help me out here. Below is a link to today's Roll Call 674. This, known in the news as the "bailout deal", has been covered more than much I can remember in the … Continue reading
Posted in Journal Tagged politics Leave a comment


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Upcoming Stars
Fahad Fazil
Fahad Fazil (rechristened as Shanu) is a Malayalam film actor who entered Malayalam Cinema with his debut in Kaiyethum Doorath. This film was directed by Fazil, his father.
Dulquar Salman
Dulquar Salman was born on 28 July 1986 as the younger son of Sulfath and Mammootty. He studied in Kerala till primary classes, after which he joined Shishya School in...
Rajeev Govind Pillai
Rajeev Govinda Pillai is an upcoming actor who has started his career as a model. And Now he is in the Official CCL team of Kerala by name "Kerala Strikers".We wish him all success
Unni Mukundan
Unni Mukundan made his debut in the tamil film SEEDAN(2011) which is an adaptation of the Malayalam movie NANDANAM. He played the heroe's role which was played by Prithviraj iin Malayalam version. The film was directed by Subramaniam Shiva. The film – a simple love story targeted on the family audience- was released on 25th Feb 2011.His entry into Malayalam films is through `1993 Bombay March 12' directed by Babu Janardhan.


text: What makes Cornerstone University's Student Engagement team stand out from other higher education institutions is their focus on a student's holistic growth. Life at Cornerstone is not a dichotomy of class and play where the two are kept separate; it's a perfect union of the two with the understanding that Christ meant for us to have life, and have it to the full. Part of that understanding is recognizing that students can enjoy life together through various campus activities and events. CU is a place where students can be fully engaged, fully interactive with the world around them as well as learn to be contributors to their campus life, not just consumers.


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Five nights camping with full hook-ups and 30/50-amp service at Americus KOA and Backyard Plantation Golf Club located in southwest Georgia. Three hot breakfasts, one potluck supper and three catered dinners plus a continental breakfast on the last day. Technical seminars, craft sessions, group activities, contest and games, lifestyle presentations and owner round table. Preceding FMCA's 99th International Convention in Perry, GA.
We're having a Mardi Gras theme. Come join the Fun!
Activity Schedule
Registration Type - 30/50-amp, Full Hook-ups
• Full Rally (Two in coach) @ $375.00
• Full Rally (One person) @ $275
• Additional Guest @ $100.00
RALLY FEES FOR NON-DRVC MEMBERS: Please add $25 to above prices*
* Visitors attending in their own motorhome are welcome to participate but subject to a $25 surcharge; limited to one rally. Surcharge is applied to membership fee upon joining.
Dick & Lois Marvin, Rallymasters Sam & Judy Jackson, Assisting
To Download, Print & Mail Your Registration Form
To view the website of Americus KOA, click here.
Copyright (c) 2019 Diesel RV Club, an FMCA Chapter.
Club graphics by Songer Consulting


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DISGUSTING! MP blasts Government failure to estimate influx of EU migrants in New Year
A TORY MP today described a Government decision not to estimate the number of migrants likely to come to the UK from Bulgaria and Romania in the New Year as "disgusting".
Backbencher Philip Hollobone said voters were appalled that ministers had failed to fulfil its "basic duty" to calculate the expected influx from the EU countries when labour market restrictions are lifted on January 1.
He made his comments in a Westminster Hall debate as a Bulgarian newspaper sent a thank you message to the London-based Economist magazine for saying new EU migrants would be welcome in Britain.
A large number of Tory MPs are worried that lifting EU restrictions will see tens of thousands of workers from Romania and Bulgaria coming to work in the UK.
They have repeatedly demanded the Government put an estimate on the number after the lifting of restrictions in 2005 led to many more Polish migrants arriving at British ports than initial modelling by civil servants predicted.
Today, the Novonite.com, a news agency based in Sofia, the capital of Bulgaria, welcomed an article in The Economist.
Britain's newspapers are full of stories about your poverty, criminality and hunger for welfare
The magazine said in its article: "Britain's newspapers are full of stories about your poverty, criminality and hunger for welfare.
"Its politicians rail against the European freedom-of-movement rules that will let you in and scramble to make it harder for you to claim benefits.
"Its population is more hostile than the Germans or the French: almost half of Britons believe their government should ban you from the country even if it is against the law to do so.
"You might just, as a result, have got the impression that you are not welcome.
"But you are. On behalf of The Economist's home country, we invite you to come and work here."
It continued: "We hope lots of you choose Britain. Although our leaders seem to have forgotten, Britain pushed for your country to join the EU, knowing that you would one day turn up on our doorstep.
"The going will be rough at first. But the history of many waves of immigration tells us that, before too long, you will be folded comfortably into British society."
The magazine said it was "nonsense" that new migrants would be a burden on the NHS and public services because they are "young and able-bodied".
It said they would instead be net contributors to the Treasury because they would pay tax.
It added: "Sadly, opinion polls do not lie. Few people want you here. Those of you who end up begging or stealing—and there will inevitably be some—will be featured on the front pages of our newspapers."
More than 120,000 people signed a Daily Express petition last month calling on curbs to remain on January 1, but the Government says it is powerless to act.
In the Westminster Hall debate today, MPs clashed with Immigration Minister Mark Harper over whether the Government had actually asked advisers to estimate the expected New Year influx of migrants.
Mr Harper said he had been told such an exercise would not be "sensible".
However, Mr Hollobone said voters did not care about that spat.
He said: "Surely the point is that the British public don't care who said what to whom, they are disgusted that Her Majesty's government has failed in its basic duty in providing the British public with a realistic estimate of how many immigrants we might expect from January 1."


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The following is a story from The Christophers' "Three Minutes a Day" book, Volume 47 (Volume 48 will be available in October):
Frederick the Great of Prussia was walking along a road on the outskirts of Berlin one day when he accidentally brushed against a very old man.
"Who are you?" Frederick asked out of idle curiosity as the two came to a halt.
"I am a king," the old man answered.
"A king?" echoed Frederick. "Over what kingdom do you reign?"
All of us can be kings, in the sense of the old man's words. But how many of us actually are? Instead of being in command, we often let ourselves be ruled by the tyrants of temper, laziness, or passion.
We can't hope to influence others if we are, as the common expression puts it, "not ourselves." And we can only be ourselves by controlling ourselves.
Strive first for the kingdom of God and His righteousness. (Matthew 6:33)
Give me the wisdom and spiritual strength to make wise decisions, Father.


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The most current version of the RESO Data Dictionary for public view is: 1.7
The Data Dictionary 1.7 Wiki can be found here.
The RESO Data Dictionary 1.7 has been approved (Dec 18, 2018) and now the official most current and up to date RESO Data Dictionary version. Previous versions are listed below.
This is the Real Estate Standards Organization (RESO) Data Dictionary Wiki Home Page. Please feel free to browse and get acclimated to terms and fields relating to the transmission of real estate data. To leave a comment you can click on 'comment' link at the bottom of each page, or better yet, join our growing ranks as a RESO member an really make a difference.
To learn more about this wiki and RESO please follow this link Data Dictionary Introduction
Data Dictionary (Current Version)
- Data Dictionary 1.7 Wiki can be found here. (Approval Date: 12/28/2018)
Data Dictionary (Previous Versions)
- Data Dictionary 1.6 Wiki can be found here. (Approval Date: 8/4/2017)
- Data Dictionary 1.5 Wiki can be found here. (Approval Date: 6/21/2016)
- Data Dictionary 1.4 Wiki can be found here. (Approval Date: 7/21/2015)
- Data Dictionary 1.3 and older versions can be found here.
- Data Dictionary Downloads can be found here. (Please scroll down to the bottom of the page to view the download section)
Note to Mobile Users!
It is best for mobile users to view our wiki in 'Desktop Site' mode. This applies to Chrome, Safari, Firefox and other mobile browsers. If the left navigation pane is not visible, then scrolling down to the section labeled 'Child Pages' will give you similar options.
Page Revision Date: Aug 15 2017Dec 28 2018


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For the last two weeks I've been glued to the T.V. watching the Olympic Trials for Track and Field, and witnessing the life transforming moments of athletes seeing their dreams be realized as they become Olympians. There is not much more thrilling to me than the Olympics, and I become consumed every 4 years.
If you have the opportunity to make your way to Rio this summer for the Olympic Games, let me first tell you that I am insanely jealous— in the best way.
Rio is an amazing city that I have had the opportunity to visit a handful of times, and I know that it will add it's special magic to the 2016 Summer Games. Because a trip like this is a fusing of my two biggest passions, I'd love to pass along some helpful information for anyone traveling there next month.
General Travel Tips for Rio during the Olympics
-Weather: August, a month that falls in the middle of winter in this southern destination, happens to be one of the most comfortable months to visit this great city—rainfall is low, and temperatures remain high. Expect an average of around 78 degrees. It might get a little muggy in the afternoons, but there are plenty of beaches to cool off in!
-Transportation: Public transport is the most efficient way to get around the city. Among the options, there are metro lines, the BRT (Bus Rapid Transit), the new LRT (Light Rail Transit) and an extensive rail network. For those familiar with Uber, that is also an option in the city. To read more about the new metro line opening for the games, you can find information here.
Money: The real (BRL) is Brazil's official currency. The favorable exchange rate makes this South American city affordable for U.S. travelers. My suggestion is to never carry too much cash on you. You should be good with about the equivalent of $100. There are ATM's available to withdraw money, or most hotels will have the ability to exchange your dollars if that is preferable.
What to Pack for the Olympics in Rio
-Travel Documents: It's recommended to always have copies of your passports. Keep these on you and leave your actual passport in your hotel safe. Also make sure you have copies of all your reservations including flight itinerary, hotels, transfers, etc.
-Your camera: Your smartphone will do, but know that Rio is a very photogenic place on it's own, plus you are there for a once in a lifetime event, so a camera with some extra memory cards might be wise. Be sure to photograph the Christ Redeemer statue, document your view from the Sugar Loaf cable car, the Botanical gardens or one of the many beaches.
-Power outlet adapter: There are different plugs in Brazil, and you'll need the proper adapter to charge all electronics. If you forget to bring one, you can always hit up an electronics store or ask your hotel if they have extra.
-Suitable clothing: Rio is a pretty casual city, both during the day and going out in the evenings. Wear breathable clothing, as it will be warm and sitting at Olympic events outside will make for hot days. Bring a light jacket for evenings. You will definitely want comfortable walking shoes, as no matter what, you will be doing a ton of walking!
What to do in Rio during the Olympics
Ok, so you are probably heading to Rio during the Olympics to WATCH OLYMPIC EVENTS. Let's assume that. Now, what to do outside of those awesome moments? Here is a list of my favorite sightseeing in and near Rio.
-Sugar Loaf : Sugarloaf Mountain is a peak that rises 396 meters high and presents a bird's eye view of Rio de Janeiro from the mouth of Guanabara Bay. Ascent is made in two stages: first to the top of Urca Hill, travelling from Praia Vermelha to a height of 220 meters above sea level and then the cable car goes all the way to the top of Sugar Loaf Mountain, for a breathtaking 360 degree view of Rio de Janeiro, Guanabara Bay, the city of Niteroi and the blue waters of the Atlantic Ocean.
-Corcovado (Christ the Redeemer) : This is one of the main scenic spots in the city, located at the Tijuca National Park, 710 meters high and giving a sweeping panoramic of sea and the mountains. At the top of this world famous vista. the imposing statue of Christ the Redeemer embraces the city of Rio.
-Botanical Garden: If you want to spend hours amongst exotic flowers and plants, a trip to the Botanical Garden must be on the cards. This is a true ecological sanctuary where you can spend the whole day admiring the lush green surroundings of the popular garden, which is also a prominent scientific laboratory in Rio.
-Beaches: From the world's most famous stretch of sand at Copacabana, to the stylish haven of Ipanema, to what the locals consider the most beautiful stretch of sand in Rio at Joatinga Beach, there is no shortage of blissful beach spots in Rio. Take your pick and enjoy.
If you are interested in some Day Trips from Rio, I wrote about that here. It gives you a few other options for exploring the area surrounding Rio that are definitely worth the time if you have it.
Whatever you do, enjoy every second of this special opportunity.


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Humboldt Domestic Violence Services has been serving the communities of Humboldt County for over 30 years. Our goal is to create an environment that supports individual safety and breaks the cycle of intimate partner and domestic violence.
Founded on the basic principles of consensus-based empowerment and non-violence, we have continually expanded our services through the years to assist all those escaping from abuse. Our agency seeks to provide service and support to those who are transitioning out of domestic or intimate partner violence and to foster social and systemic change through services, education and advocacy.
HDVS helps hundreds of survivors of domestic and intimate partner violence every year in a wide variety of ways. Perhaps we can help you or someone you care about who suffers from abuse or the threat of abuse. All our services are free and confidential. This site has been developed to provide users with an overview of the services HDVS provides, educational programs, materials and advocacy information.


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Can you believe it's already December? I can't. And I certainly can't complain because I have been waiting all year to make my bourbon eggnog. Nothing says "Happy Holidays" like a batch of boozy eggnog!
Growing up, I wasn't a fan of eggnog. My family would buy it from the store and I would always mix it with nonfat milk — it was too heavy and overly-spiced for my taste. If you aren't a fan of cardboard carton eggnog either, I highly suggest making a batch of homemade eggnog. This recipe is pretty simple, and it is absolutely delicious.
To keep my eggnog light, I use 2% milk as the base instead of whole milk, and I use just a few spices (and bourbon!) for flavor. This eggnog is especially light because I whip the egg whites until they peak before folding them into the mixture containing all the other ingredients.
Ingredients: (approx. 6 cocktails)
3 Eggs, separated
2 cups 2% Milk
1 cup Heavy Cream
½ cup Sugar
6 oz. Bourbon (add an extra ounce if you want it a little more boozy!)
¼ tsp. Vanilla Extract
¼ tsp. Cinnamon
½ Nutmeg, freshly grated
Beat egg yolks and sugar until light in color. Add bourbon, then milk, cream, vanilla, cinnamon, and nutmeg, and mix well. In a separate bowl, use an electric mixer to beat egg whites until they peak. Fold the egg whites into the mixture. Garnish with nutmeg and cinnamon.


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We are proud to announce the selection of Great Barrington REALTOR® Mary White as the Berkshire County Board of REALTORS 2009 Good Neighbor Award winner. Our 2009 recipient of this honor, Mary White, broker owner of Barnbrook Realty, devotes a considerable amount of time, money, effort and advocacy to improve her community, through volunteer service in many organizations in Berkshire County and to planning boards, housing coalitions and her local REALTOR® association.
In the past 16 months, Mary has worked tirelessly for:
• Berkshire Children's Chorus
• Community Development Corporation of South Berkshire
• Construct Inc.
• Great Barrington Rotary Club
• Interfaith Committee of Southern Berkshire
• St. Peter Church
Collectively, Mary has contributed and inspired almost 500 hours of service to these organizations and generated donations in excess of $15,000. Hundreds, if not thousands of Berkshire residents are directly affected by the work done and the spirit embodied by Mary. The organizations where she serves in leadership roles raise millions of dollars for those in need in southern Berkshire. Mary sees what is sometimes referred to as the "hidden homeless" and needy in our community, and she helps every chance she gets. We look to her as a role model and inspiration.
Mary has served the REALTOR® association tirelessly for many years, and was awarded the prestigious 'REALTOR® of the Year Award in 1996 for her service. She has been elected to serve on the Board of Directors for many years, culminating as President in 2003 and currently serves on the Professional Standards Committee and Multiple Listing Service Board of Directors.
Mary White's Charitable Work in Detail: From 2008-2009
Berkshire Children's Chorus
Born in Ireland, Mary came to the United States when she was 14 years old, to live with an Aunt in Boston, Massachusetts. Combining her love of both of her homelands, Mary began an annual charitable event surrounding her beloved Saint Patrick's Day. With Brian Killeen, Mary annually hosts and funds a Saint Patrick's Night Out. This year, Mary selected the Berkshire Children's Chorus as the recipient charity.
The event is funded entirely by Mary and Brian, whereby they pay all expenses associated with the party to ensure that every dollar contributed by attendees will go directly to the charity chosen. This year they hosted a dinner at Castle Street Café, which featured hors d'oeuvres, a three course dinner and live entertainment. The event was sold out and made the Berkshire Children's Chorus conservatively $4,050 from contributions of those in attendance. The dinner guests paid $50 per person and there were 81 attendees.
Community Development Corporation of South Berkshire
CDC South Berkshire is a very small, community-based non-profit whose primary focus is affordable housing and commercial real estate development for job creation. Mary serves on the CDC Board of Directors and works in identifying buildable land, picking the projects that will be set for development, approving the design of the plans, managing the project through to completion, raising funds through state grants, federal grants, and some community contributions. When the building project is complete, the CDC turns the housing over to Construct, Inc. to manage the property (see following page for Mary's work with Construct).
Current projects include the redevelopment of an 8-acre brownfield site in the center of Great Barrington, a 50-unit mixed income town-home project in Lenox and a 10-unit affordable rental project now under construction in Great Barrington. The CDC's development priorities are: Green building, alternative and highly efficient energy use, and smart land use encouraging high-density town centers, protection of open space and easy access to public transportation.
Mary has served continuously on the Board of Directors for the past three years, and has volunteered for the CDC for a total of 6 years (she took 2 years off while caring for her ailing husband.)
Construct Inc.
Volunteers with Construct are driven to help those who cannot help themselves. The basic needs of shelter and food are provided in many different ways. Mary uses her real estate expertise, enthusiasm, contacts and knowledge to assist in many projects of the organization. She serves as a volunteer real estate consultant, serves as a member of the Board of Directors and is a tireless volunteer and fundraiser for Construct. Mary helps identify potential affordable housing developments, acts as an advisor on site locations, property rehabilitation, reuse and viability.
She also volunteers and devotes time, talent, money and connections to fundraising projects. The lion share of Construct's income is derived from fundraising activities. In 2007, volunteers raised $325,082 and almost $350,000 in 2008. Annually, Mary serves as a Marshall on the Walk Committee, and on the MayFest Gala committee, both of which are the largest fund raisers of the year. The walk to Prevent Homelessness is held each October and last year generated $41,000 from volunteer walkers and their sponsors. Mary was an underwriter of the 2008 MayFest and helped recruit volunteers and donated time and money to this project.
Mary also joined other Realtors in the complete refurbishment of the Jordan House, sober apartments for Construct clients. This involved physical work as well as fundraising. Mary was also instrumental in offering First Time Homebuying seminars in order to further Construct's mission of providing financial assistance and counseling as a way to mitigate homelessness.
Great Barrington Rotary Club
Mary has been a Rotarian for 14 years, and served for 10 years on their Board of Directors. She continued her volunteerism but stepped down from the Board when her husband became ill and has since rejoined the Board of Directors in the planning of their fundraising projects.
Mary coordinates and works two pancake breakfasts each year, one for the Girls Club and one for the Boys Club. This year, between $3,000-4,000 was raised for each organization at the breakfast. She is active in the Breaking Bread Kitchen, cooking preparing and serving meals for those in need. Mary also contributes and extraordinary amount of time to their largest fundraising event, the Golf Tournament. This is a huge project that raised $40,000 toward scholarships. In addition, Mary volunteered for the Fundraising Fashion Show that generated $6,000 that went directly to a new water filtration system for a school in Cambodia.
Interfaith Committee of Southern Berkshire
Mary has been a member of Interfaith to help provide a forum for religious discussions and to build awareness and understanding of other faiths and how members of a community can live and work respectfully and peacefully amid different faiths.
Mary serves as Treasurer on the Board of Directors and is very active in two primary events of Interfaith, a October dinner meeting and a Martin Luther King Day event. The dinner this year sold out, with over 250 attending. The group was led by Mary and her co-chair from the local synagogue. There was a dinner, guest speaker and all proceeds were donated to a local charity. On Martin Luther King Day, there is an event held at a local church, temple, or house of worship in honor of diversity and peace.
She also works on the 'Breaking Bread' Kitchen Team for Thursday night meals that draw up to 80 people seeking comfort, substance and solace.
St Peter's Church
Mary has been a communicant of Saint Peter's Church for 15 years, serving in a variety of volunteer capacities. Mary works with church volunteers and clergy to Raise funds for the Church and the families in the parish who are in need. Mary has been head of the Fund Raising Committee for well over 4 years. Mary personally hosts 2 large fund raising dinners each year, car raffle and participates at all other fundraising events.


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Jun 05
Getting My Snark On
Yesterday I had an audition in my pay-to-play in-box for a well-known soda brand.
The vocal direction was to give a smart, somewhat snarky read.
I asked my wife Suzanne: "How can I get my snark on?"
Her deadpan response: "You will have no trouble with that."
Suz's sense of humor, and, some might say in this case, her clear-eyed approach to reality, are just two of the many reasons that I love her.
Thanks for the wonderful adventure Suz! (TIAB!)
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"Property" means all property, real, personal or mixed, tangible or intangible, or any interest therein.Oregon Legislature 1See also distribution
"Property" means any article, substance or thing of value, including, but not limited to, money, tangible and intangible personal property, real property, choses-in-action, evidence of debt or of contract. [1971 c.743 §121]
Note: Legislative Counsel has substituted "chapter 743, Oregon Laws 1971," for the words "this Act" in sections 121 and 131, chapter 743, Oregon Laws 1971, compiled as 164.005 (Definitions) and 164.115 (Value of property). Specific ORS references have not been substituted, pursuant to 173.160 (Powers and duties of Legislative Counsel in preparing editions for publication). These sections may be determined by referring to the 1971 Comparative Section Table located in Volume 20 of ORS.Oregon Legislature 2
"Property" means real and personal property as defined in this section, and any other property under the control of the state in which the state has an insurable interest as determined by the department.Oregon Legislature 3See also media, personal property, real property
"Property" includes, but is not limited to, permanent loads such as equipment, appliances, devices, or ballast that are attached to, carried on, or made a part of the vehicle and that are designed to serve some functional purpose.Oregon Legislature 4
"Property" includes both real and personal property.Oregon Legislature 5See also assets, decedent, devise, devise, distributee, estate, heir, interested person, intestate succession, net estate, personal property, real property


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In September 2004, the Faust Quartet made headlines when it was awarded the second prize at the ARD music contest in Munich, the largest international music contest, which only takes place every four years in each category. The Faust Quartet was the only German ensemble to be awarded.
Hailed by the press for its "high playing culture in all dynamic areas, its awareness of musical processes and its highly developed sense of sound", the Faust Quartet has rapidly developed into one of the most noteworthy string quartets of the younger generation.
fter its formation at the "Liszt School of Music Weimar" in 1996, the Quartet first studied under the guidance of Ulrich Beetz, violinist of the Abegg-Trio, and Norbert Brainin, concertmaster of the legendary Amadeus Quartet. In 1999, the Quartet resumed its studies with Eberhard Feltz at the "Hanns Eisler" Conservatory in Berlin.
At regular intervals, the Quartet participated in master classes held by the Alban Berg Quartet, the Cherubini Quartet, the Keller Quartet, the Hagen Quartet as well as Walter Levin. These classes deepened their musical understanding and also provided additional stimulation and inspiration.
International engagements led the Faust Quartet to concerts in London, Brussels and Rome, as well as on a two-week tour through five West-African countries, which was oraganized by the Munich Goethe Institute. Festival appearances include the Schleswig Holstein and Mecklenburg-Vorpommern Festivals, the Orlando Festival, and the festival "Heidelberger Frühling". In 2007, one of the highlights for the group will be an extensive concert tour to South America, where they are going to perform at major musical centers in Brasil and Argentinia.
By means of its active concert activities, radio productions and concert recordings, the Faust Quartet addresses a broad and inspired audience.
The Quartet successfully appeared at such famous concert halls like Musikhalle Hamburg, Konzerthaus Berlin, Schloss Elmau, Herkulessaal, Hubertussaal, Prinzregententheater München, Beethovenhaus Bonn, Gewandhaus Leipzig and the Cocertgebouw Amsterdam.
The repertoire of the Faust Quartet ranges from classical quartet pieces all the way to contemporary music, with compositions specially dedicated to the ensemble. Additionally, there are pieces with extended instrumentation, which led the Quartet to perform with musicians such as Dimitri Ashkenazy, Inwan König, Andreas Frölich, Patrick Gallois and Emily Beynon (solo flutist of the Concertgebouw Orchestra Amsterdam).
Repeatedly, excellent young composers have dedicated their works to the Faust Quartet. In 2004/2005, the Quartet staged two new compositions for the first time. These included the 2005 debut performance of Ludger Vollmer's Shakespeare inspired string quartet "My Love is like a fever" at the "Heidelberger Frühling" and the string quartet "Lost" by Carsten Hennig, which was first performed at Rome's Villa Massimo in 2004.
The Quartet is named after the central figure of Johann Wolfgang von Goethe's drama "Faust". It was also Goethe who said of string quartets: "You listen to four sensible persons conversing


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In high school, I was tray sledding with a bunch of my buddies on campus, when we spied a group of elementary kids walking toward our hill. One of my friends packed a snowball and hucked it straight up into the air. It was one of those moments where you half-intend a result, but never expect that it will actually happen. We watched with amusement as it sailed straight up, tracked it as the force of gravity overcame its upward velocity, sending it plummeting back to earth, and all stood mouth agape as that snowball accellerated at 9.81 m/s2 until it met the equal and opposite force of the top of some poor 3rd grader's head, 20 yards away.
Now I have two such moments. I have Airsoft guns to thank for this.


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With the dramatic growth of mobile phones and the Internet, opportunities for professionals and entrepreneurs in the computing field have outpaced most other sectors. Yet, around the world, women remain a small minority.
According to the National Center for Women and Information Technology, the percentage of computer science degrees awarded to women in the U.S. has declined from over 37 per cent in 1984 to 18 per cent in 2012. And, at more senior levels the representation of women diminishes to 11 per cent of corporate officer positions at Fortune 500 technology companies, 8 per cent of leaders of venture-backed start-ups, and only 4 per cent of senior management positions in technical/R&D departments in Silicon Valley companies.
In the past, we have largely viewed this disparity as an issue of limiting women's possibilities, particularly in a highly lucrative field. But, today, it also contributes to a broader economic imbalance as technology companies are unable to find sufficient talent, while millions remain unemployed. In the U.S. alone, the Department of Labor estimates that there will be more than 1.4-million new computing related jobs by 2018, and that half of those will go unfilled based on current trends. Engaging more women in computer science is one obvious way to bridge the gap. Additionally, we cannot afford not to harness the creativity and talents of half the world's population if we are to continue fuelling the innovations that drive economic growth.
Early exposure to computer science, curricula oriented around tangible problems rather than mechanics, visible role models, and peer support through girls' camps or clubs have all been shown to improve the retention of girls in STEM (science, technology, engineering, math) studies. Let's encourage girls around the world to fully participate in the technology revolution and apply their talents to building the next generation of breakthrough products.
G(irls)20 Summit 2013 Speaker, Ann Mei Chang serves as the Senior Advisor for Women and Technology for the Secretary's Office of Global Women's Issues at the U.S. Department of State.


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Affluence Network Owners
Thank you for coming to us in looking for "Affluence Network Owners" online.
You are able to run a search on the web. First learn, then models, indicators and most importantly practice looking at old charts and pick out trends. When you learn to keep a trading diary screenshots and your comment/forecast. Precisely what is the best way to get confident with charts IMHO. Oh certainly, and don't fool yourself into thinking that you get the uptrend will never decrease! Always will go down! Viewers incremental benefits are more reliable and profitable (most times)
as Ethereum. The platform enables creation of a contract without having to go through a third party. The third parties involved can comprise bank, credit card Firm,
It is definitely possible, but it must be able to understand opportunities no matter market behaviour. The market moves in relation to price BTC … So even supposing it's in a BTC tendency down can make money by purchasing the altcoins which are altcoin oversold trading ratios-BTC. Sure, your purchasing power in DOLLARS may be lower, but as long as your purchasing power in BTC is still growing you'll be acceptable.
It should be difficult to get more small increases (~ 10%) throughout the day. Study how to read these Candlestick charts! And I found these two rules to be true: having small increases is more lucrative than trying to fight up to the peak. Most day traders follow Candlestick, so it is better to look at novels than wait for order confirmation when you believe the cost is going down. Secondly, there's more volatility and compensation in currencies that never have made it to the profitability of sites like Coinwarz.
Entrepreneurs in the cryptocurrency movement may be wise to research possibilities for making enormous ammonts of cash with various types of internet marketing.There could be a rich reward for anyone daring enough to endure the cryptocurrency markets.Bitcoin structure provides an informative example of how one might make a lot of money in the cryptocurrency markets. Bitcoin is an amazing intellectual and technical accomplishment, and it has generated an avalanche of editorial coverage and venture capital investment opportunities. But not many people understand that and lose out on very successful business models made accessible as a result of growing use of blockchain technology.
Affluence Network Owners
Lots of people would rather use a money deflation, notably those that desire to save. Despite the criticism and disbelief, a cryptocurrency coin may be better suited for some applications than others. Fiscal seclusion, for instance, is great for political activists, but more debatable as it pertains to political campaign financing. We need a steady cryptocurrency for use in trade; in case you are living paycheck to paycheck, it would happen as part of your wealth, with the remainder reserved for other currencies.
Ethereum is an incredible cryptocurrency platform, however, if growth is too quickly, there may be some problems. If the platform is adopted immediately, Ethereum requests could improve dramatically, and at a rate that exceeds the rate with which the miners can create new coins. Under a situation like this, the entire platform of Ethereum could become destabilized because of the increasing costs of running distributed programs. In turn, this could dampen interest Ethereum platform and ether. Uncertainty of demand for ether can lead to a negative change in the economical parameters of an Ethereum based business that could lead to business being unable to continue to manage or to discontinue operation.
You have probably noticed this often times where you typically spread the nice word about crypto. "It's not risky? What happens if the price crashes? " to date, several POS systems gives free transformation of fiat, relieving some concern, but before the volatility cryptocurrencies is addressed, a lot of people will undoubtedly be resistant to hold any. We need to find a way to combat the volatility that's inherent in cryptocurrencies.
The physical Internet backbone that carries data between different nodes of the network is now the work of several companies called Internet service providers (ISPs), including companies offering long distance pipelines, sometimes at the international level, regional local pipe, which finally connects in homes and businesses. The physical connection to the Internet can only happen through any of these ISPs, players like level 3, Cogent, and IBM AT&T. Each ISP manages its own network. Internet service providers Exchange IXPs, owned or private businesses, and sometimes by Governments, make for each of these networks to be interconnected or to move messages across the network. Many ISPs have agreements with suppliers of physical Internet backbone providers to offer Internet service over their networks for "last mile"-consumers and businesses who desire to get Internet connectivity. Internet protocols, followed by everyone in the network makes it possible for the information to flow without interruption, in the correct area at the right time.
While none of these organizations "possesses" the Internet together these businesses determine how it functions, and recognized rules and standards that everyone remains. Contracts and legal framework that underlies all that's happening to discover how things work and what happens if something bad happens. To get a domain name, for instance, one needs consent from a Registrar, which has a contract with ICANN. To connect to the Internet, your ISP must be physical contracts with providers of Internet backbone services, and suppliers have contracts with IXPs from the Internet backbone to connect to and with her. Concern over security problems? A working group is formed to focus on the problem and the alternative developed and deployed is in the interest of most parties. If the Internet is down, you've got someone to call to get it fixed. If the problem is from your ISP, they in turn have contracts in place and service level agreements, which govern the manner in which these problems are solved.
The advantage of cryptocurrency is that it uses blockchain technology. The network of nodes the make up the blockchain isn't regulated by any centered company. No one can tell the miners to update, speed up, slow down, stop or do anything. And that's something that as a devoted advocate badge of honor, and is identical to the way the Internet works. But as you comprehend now, public Internet governance, normalities and rules that govern how it works present constitutional problems to the user. Blockchain technology has none of that.
When searching on the web for Affluence Network owners, there are many things to think of.
Affluence Network Owners
Click here to visit our home page and learn more about Affluence Network owners.
Here is the coolest thing about cryptocurrencies; they don't physically exist anywhere, not even on a hard drive. When you take a look at a unique address for a wallet containing a cryptocurrency, there is absolutely no digital information held in it, like in the same way that a bank could hold dollars in a bank account. It is simply a representation of worth, but there isn't any genuine tangible form of that worth. Cryptocurrency wallets may not be seized or immobilized or audited by the banks and the law. They don't have spending limits and withdrawal limitations imposed on them. No one but the owner of the crypto wallet can decide how their wealth will be managed.
The sweetness of the cryptocurrencies is the fact that fraud was proved an impossibility: as a result of character of the method in which it is transacted. All deals over a crypto currency blockchain are permanent. As soon as you're paid, you get paid. This is not anything short term wherever your customers could challenge or need a discounts, or use dishonest sleight of hand. In-practice, most merchants could be wise to work with a cost processor, due to the permanent character of crypto currency deals, you should be sure that stability is tricky. With any type of crypto currency whether it be a bitcoin, ether, litecoin, or any of the numerous other altcoins, thieves and hackers might get access to your private secrets and so steal your money. Unfortunately, you most likely will never have it back. It's quite crucial for you really to embrace some great safe and secure methods when coping with any cryptocurrency. Doing so will protect you from all of these negative functions.
In case of a fully-functioning cryptocurrency, it might even be traded as being a thing. Promoters of cryptocurrencies say this type of virtual income is not managed by way of a central banking system and is not therefore susceptible to the whims of its inflation. Since there are a restricted number of products, this coinis value is dependant on market forces, letting homeowners to industry over cryptocurrency exchanges.
Cryptocurrencies such as Bitcoin, LiteCoin, Ether, YOCoin, and many others happen to be designed as a non-fiat currency. Quite simply, its backers assert that there's "actual" worth, even through there is no physical representation of that worth. The worth grows due to computing power, that is, is the lone way to create new coins distributed by allocating CPU electricity via computer programs called miners. Miners create a block after a time frame that's worth an ever declining amount of currency or some kind of wages so that you can ensure the shortage. Each coin contains many smaller units. For Bitcoin, each component is called a satoshi. Operations that take place during mining are exactly to authenticate other trades, such that both creates and authenticates itself, a simple and elegant solution, which can be one of the appealing aspects of the coin. Once created, each Bitcoin (or 100 million satoshis) exists as a cipher, that is part of the block that gave rise to it. The person who has mined the coin holds the address, and transfers it to some value is supplied by another address, which is a "wallet" file stored on a computer. The blockchain is where the public record of all transactions dwells. Most all cryptocurrencies function as Bitcoin does.
The fact that there's little evidence of any increase in the use of virtual money as a currency may be the reason why there are minimal efforts to regulate it. The reason for this could be merely that the market is too little for cryptocurrencies to warrant any regulatory effort. It truly is also possible that the regulators just do not comprehend the technology and its consequences, anticipating any developments to act.
Mining cryptocurrencies is how new coins are placed into circulation. Because there is no government control and crypto coins are digital, they cannot be printed or minted to produce more. The mining process is what creates more of the coin. It may be useful to consider the mining as joining a lottery group, the pros and cons are exactly the same. Mining crypto coins means you'll really get to keep the total benefits of your efforts, but this reduces your odds of being successful. Instead, joining a pool means that, overall, members are going to have higher possibility of solving a block, but the benefit will be divided between all members of the pool, based on the amount of "shares" won.
If you're thinking about going it alone, it is worth noting that the software configuration for solo mining can be more complicated than with a pool, and beginners would be probably better take the latter path. This option also creates a stable stream of revenue, even if each payment is modest compared to completely block the wages.
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This mining action validates and records the trades across the entire network. So if you're trying to do something prohibited, it isn't wise because everything is recorded in the public register for the remainder of the world to see eternally.
Since among the earliest forms of making money is in cash financing, it really is a fact that one can do this with cryptocurrency. Most of the giving websites now focus on Bitcoin, several of those websites you are needed fill in a captcha after a certain time frame and are rewarded with a small amount of coins for visiting them. You are able to see the www.cryptofunds.co site to locate some lists of of these websites to tap into the currency of your choice. Unlike forex, stocks and options, etc., altcoin marketplaces have very different dynamics. New ones are always popping up which means they do not have lots of market data and historical view for you to backtest against. Most altcoins have somewhat inferior liquidity as well and it is hard to develop a fair investment strategy.
Cryptocurrency is freeing individuals to transact money and do business on their terms. Each user can send and receive payments in a similar way, but in addition they be a part of more complicated smart contracts. Multiple signatures enable a trade to be supported by the network, but where a specific number of a defined group of people consent to sign the deal, blockchain technology makes this possible. This permits innovative dispute mediation services to be developed in the foreseeable future. These services could enable a third party to approve or reject a trade in the event of disagreement between the other parties without checking their money. Unlike cash and other payment procedures, the blockchain always leaves public proof that the transaction occurred. This can be possibly used in an appeal against companies with deceptive practices.


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Quoting the proverbial words of Williams Shakespeare "Some are born great, some achieve greatness, and some have greatness thrust upon them. Finding one's path in the business world and walking through it passionately can only lead to one destination; Greatness. Today's inspiration Africa interview features Real Estate Giant and business pioneer, Mr Adeyeye Ogunwusi, CEO of Gran Imperio Group, Director, FinaTrust Microfinance Bank and West Africa's biggest holiday resort, Inagbe Grand Resort.
In this inspiring conversation with Whoot Africa's Olushola Pacheco, Mr Adeyeye Ogunwusi shares with us on his life as a business pioneer, his interest and passion towards African development via Real Estate.
Here are excerpts from his chat with Whoot Africa.
As an accomplished business person, can you share a little about the history of entrepreneurship in your family?
That's an interesting question! No one has ever asked me this question before, but I like that challenge of thinking back and piecing it all together. I grew up in a working class family; my father was a civil servant and my late mom worked as an administrator at the University College Hospital in Ibadan; while my dad worked as a broadcaster, and rose to the level of director of programmes in Osun and Oyo state broadcasting corporations. So, pretty much they were very systematic, time driven people, who wake up early in the morning to go to work and are usually back home by 4p.m. I grew up in Ibadan at a time where we had a sense of relationship amongst our peers, and we were taught that relationships with our friends and associates mattered a lot. I was an inquisitive child from the very beginning; my mom pretty much was a businessperson who combined business with being an administrator in UCH Ibadan. So, after work every day we get to support her with her business; my grandmother was also a big time commodities trader in Ile-Ife, Osun State, which afforded my mom the opportunity to learn about business first hand from her own enterprising mother.
My interest in the business world was driven by these two amazing women, who always managed to put things right in terms of their business acumen and business responsibility. Mostly, my mom's business also supported our education, as I grew older, I developed a strong flare for doing business because, business for me, brings a lot of responsibilities and discipline for someone who wants to be successful.
Providentially again, my career as an accountant started in a commodities trading company, which made me realize I was at home to what I grew up with – learning from my mother and grandmother. I developed a strong passion for it, and always made sure to be the best at whatever I find myself doing.
What drives you?
People, ideas and possibilities! I am very restless and I don't think I can change that. I am also very daring, I have done very massive projects, that made people question why in the world I would venture into such projects, but I realize one just has to try, everyone talks about Lagos and Nigeria, but I believe we can build another Lagos someday. I get tired of thing easily too and quickly try to move on to bigger challenges, so what drives me majorly, is the passion for what I do as well as people and possibilities. With every day of my life, I ask myself, what have I achieved today? It is very important before I go to bed; I must ask myself that question, what have I achieved today? I came into Lagos as a young man with next to nothing and so far so good, I am thankful for everything and trying to make impossibilities into possibilities.
In my diary, there is nothing impossible and that mantra has worked out for me thus far and I will keep on taking calculated risk, because I am not afraid of failure anymore. I don't believe in failure; to me failure itself is an achievement, you obviously learn something from it. Trying again is pivotal, look at the Wright brothers who developed the aeroplanes we enjoy today; they tried severally before they got it right, and so many other achievers and pioneers who tried over the years before finally achieving their goals. The biggest threat and achievement of any people or nation lies in their research and development, unfortunately we belong to a nation that doesn't attach much importance to R&D and that's the reason why we are not growing at the expected rate. We depend so much on foreign input for almost everything that we do.
Every time I get the chance to do research I am extremely happy (points at furniture in his office's conference room). Looking at where we are seated right now, I have an input in the manufacturing of some of these furniture; we have a manufacturing line in collaboration with our various partners, as I strongly believe that charity begins at home. I do a lot of backward and forward integration, and knowing I have an input with the various designs that goes into our homes, offices and real estate portfolio gives me a great deal of fulfillment as we set up more factories to manufacture even more.
On what drives me, until one can truly answer the question of his/her existence and what they are living for, finding what drives one will be entirely a difficult task.
As a businessman, you get to meet a lot of people who have the wrong goals and focus, who are living for the wrong reasons and completely forgot about the fact that the essence of living is sustainability and survival. What drives you for survival and what you need in life? In my opinion, everything is hinged on what we were taught in basic economics with regards to the factors of production i.e. land, labour, capital and entrepreneurship; those four things are the keys to the things that brings everybody together. Anywhere in the world, those are things that make anything happen, looking at those four factors, only one thing remains constant that was created by God and he has stopped creating; which is land. Everything else still gets created one way or the other and these things keep multiplying. Understanding this will help drive one in either a passionate way towards success, or just existing every day without a drive or focus. I do a lot of research on how to create commerce around the four factors of production, especially land, you need it in everything.
The Gran Imperio Group is a Real Estate development consortium with interest in private estates, tourism and other major projects that are currently attracting FDI's and interest in the Nigerian business scene, if you had to describe your experience in the business world in a few words, what would they be?
Challenging! Nigeria can be best described as a jungle, a lot of things are not working, just like the jungle; nothing works in a jungle, so you have to survive in a jungle, it's not exactly a system failure, and we just haven't gotten there yet in Nigeria. Business is very challenging, very high risk and high returns too; people start business and they get frustrated along the line, but for us we are very resilient as a company, though the business environment is very tough in all honesty, but you don't need to chicken out, you have to be very consistent, very focused, you need to be known for something, if you stand for something, it's better for you. I do believe we will get there someday without a doubt; when, and how long is what I can't say.
The Nigerian Real Estate sector is currently attracting foreign investors, especially with tourism, hospitality and business/retail properties i.e shopping malls etc. How does this influx of investors affect home investors and real estate businesses like yours and do you think there should be laws that put home real estate businesses at an advantage or should it be a fair playing field for everyone?
There is nothing wrong with foreigners bringing in investment money i.e FDI's; but our administrators in government, need to ask themselves, how well are they putting things together? We need to have very strong laws; a good example is the Petronas Building in Malaysia, this is actually an interesting story that touches me as a businessperson. In Malaysia, they didn't have the expertise to build high-rises and they had a lot of money from oil and gas revenue, so they invited expatriates with the construction skills, expertise and architects to come support them in these development in a form of partnership, but the Malaysian government knew what it was doing and were very futuristic in their approach. They ensured to use young educated Malaysians to serve as helpers and assistants to these experts, a concept that was meant to benefit the Malaysians via observational learning for a stipulated period of time. After the twin towers PETRONAS buildings were constructed, the Malaysian government ended its construction contracts with their foreign partners, and today those young engineers who served the foreign construction companies are behind the development in Malaysia.
This is a very interesting story and lesson, which the Nigerian government need to wake up to and emulate. Investors are coming to Nigeria to help with real estate development, but when will an indigenous company out here be tasked with the kind of constructions our foreign counterparts are undertaking, and when will we get to that point where local constructions companies can compete for international projects and become global players? An opportunity that looks bleaker by the day, the Nigerian government needs to look inwards and ask, have they created a proper platform for a company like Gran Imperio Group and other indigenous firms like ours to take up more tasking roles in the infrastructural development of this country, or to understand the expertise? The answer is No. At the end of the day are we building our economy or just outsourcing everything in the short run; and what are they also doing to make this happen in the long run?
All these and the lack of it will be obvious in another 30years from now, if we keep outsourcing our development we won't become a global player; it is absolutely shameful that despite our status as the giant of Africa we have very few global players competing in the global market. As a company and Managing Director, I think outside the box, these are things we are trying to put in place and work out in a more futuristic manner.
Despite the growth and urbanization being experienced in Nigeria, a lot of Nigerians are still under-housed and many can only dream of owning homes which might never become reality considering all the factors involved. As a director of a (FinaTrust Microfinance bank and Imperial homes), what steps are you taking as a major player in the Real Estate business to help reduce the cost involved with owning homes and honestly, do you think there is hope for those who have resigned to the fact that they might never be able to own a home?
I am very passionate about this question; I wear two caps here, I am a director in one of the leading mortgage banks, Imperial homes mortgage bank (formerly GT Homes), on the microcredit side, I am also a director with FinaTrust Microfinance Bank, because I believe in people and possibilities, as it helps one to be closer to the grass root, to the low cadre and I see the way they suffer. In Nigeria, everyone is talking about Lekki as one of the fastest growing Real Estates developments, but the reality is, how many units of homes have we built? The whole of Lekki Phase 1, for about 22 years has in total of less than 300,000 homes and about 2,200 homes in Victoria Garden City which is considerably small; until we get to the level of meeting the millennium goals of housing for all, it's a tall order, and I am not saying it is impossible to achieve, but it is sure a tall order we are still dreaming about. For now; there is no developer or real estate company that has built millions of homes so far. The real estate sector is one that the government hasn't focused on, we don't manufacture homes in Nigeria, we only build homes, and both concepts are different from each other in its entirety. Whenever you build homes, building is a process and it takes a while, but when you manufacture homes it becomes a systemic thing, it becomes very scientific, so you can churn out 2000 homes in 20 days, 5000 homes in 30 days. The construction is focused on the Lekki axis when there's an expanse of land all around Lagos and this country in general, with needed spread out to where we have comparative advantages. We have little about 10million homes with plans to house 170 million people, which is not adding up any time soon. FESTAC town was built in 1977, but has it being replicated? The government hasn't done 100,000 homes anywhere, look at Kaduna and Gwarimpa in Abuja, the constructions were developed by private entities; how long will the government look on before getting involved in this sector? The same way farmers are subsidized in England, unfortunately only oil and gas enjoys such subsidy at the moment, we need that soft landing from the government, tax incentives and breaks for building a target number of homes annually, and technologies that can help us further advance this sector, build more homes and give more access to mortgage facilities like that of the western world.
I personally like what the Nigerian Mortgage Refinance Company (NMRC) are doing, helping to refinance mortgages and making it a lot easier for people to finance their mortgages and provide more capital for mortgage banks; I think it will work for the first time in this country, I am a part of the sector and I have seen and experienced the way it's been done and driven by the private sector.
Private sectors drive businesses, while the government should be in the business of support and creating enabling environments. If you give it to government, they will mess it up as we know all over the world; it has always been the private sector driving infrastructural growth. There is still hope right now for housing for all, despite the time gap, but if we are serious we will catch up in the next few decades.
Dubai was built in 20 years, if we are focused and determined there will be housing for all, and reduced cost of building materials and that's what we are working on as a company; as well as downsizing to serve the lower end of the housing market and working out a payment plan that works.
Real estate is a capital-intensive sector, therefore discouraging for small time players who are interested in joining the sector. What measures do you think need to be put in place by the government and the private sector to lower the financial barricade and encourage these young aspiring investors?
Real Estate as a venture is capital intensive all over the world and not just in Nigeria. I still come back to the issue of determination and how you want your life to be, if you are bullish enough, you can get into any sector, I have just been fortunate to have gotten it right, but there should be some soft start-up and financing means that you can actually acquire, not specifically from FDI's but from international organizations like DFID, IFC, CIDA (Canada), OPIC etc that can give you a level of seed money if you have a solution for affordable homes. University of Lagos lecturers are currently doing a research on how to bring down the cost of homes. If you are doing something worthy in that area, you can actually get funding to support you in form of grants, but the challenge is; how can we provide housing for the informal sector? The formal sector as we know is not a problem; it is the informal sector that is the biggest critical mass. Like the new Vice President, Professor Osinbajo said, 100million Nigerians are living below the poverty line, how can you service the market when real estate is only contributing less than 4 percent GDP to the Nigerian economy compared to other countries where you are looking at 30-40percent. In fact, campaigns and elections are determined based on some of these factors; the average citizen wants to know how your emergence into public office affects their lives and how much mortgage they have to pay more or less of every other month. Nigeria on the other hand has way too many dead assets and abandoned projects that could help reduce the hardship Nigerians are currently facing.
Let's talk about Tourism and hospitality: The hospitality industry (which consist of Hotels, restaurants, bars et al) are said to be some of the riskiest businesses, as consumer taste changes, economic changes and insecurity affect these businesses, but Inagbe Grand Resort has grown significantly since you embarked on the project, and is poised to be a major holiday destination in West Africa. Can you tell us what makes this place different from every other destination resort?
Inagbe Grand Resort was a very bullish move we made in building the resort, and it was built out of passion; today I can tell you now because we took a risk choosing to develop a resort in the middle of nowhere and the middle of a so called jungle, the place had its fair share of wild animals and within a year it employed 4000 men (on and off), we were all living there together as a happy family while we were developing the place because one of our greatest strength as a company was investing in a lot of people. With one phone call you can hire 2000 people because construction has a lot of need for manpower and number strength, we also built a good relationship with the community, hence making our work a lot easier and taking over the entire resort to start Inagbe Grand Resort. When we started, we were termed insane, but today it has become one of the best kept secrets of this country. There is yet to be a guest or group of people who haven't expressed their amazement at such a beautiful place, and we have also enjoyed the patronage of some of the biggest dignitaries and names in Nigeria, captains of industry and foreign guests from the western world and around Africa too. I think the uniqueness of the place is the fact that it is surrounded by two water bodies and a good tourist attraction in this country, the freshness, peacefulness and calmness that the resort has to offer and of course the golf course. We were told our project wasn't bankable, and just like the telephone revolution today, we have proved them wrong.
If countries like the Seychelles, Greece, France and Italy with no natural resources can survive and make it on tourism, so can we as a country, especially with the fact that we have better topography, altitude, relatively calm weathers et al. If only we would take our eyes and focus off oil and gas.
You are an employer of labour, with many years as a leader, how do you keep people motivated and in line with the vision you have for these various business ventures that you have?
That's one of my biggest challenges, but I am making progress. The day I am able to conclude on a succession plan for the company; then I am a fulfilled man. I don't sign cheques on behalf of the company anymore; I don't run the company anymore, the system put in place now runs itself, if I am not around; no one remembers I am not there. It took a while to put a structure in place and all I do now is guiding and encouraging my employees on how to go about the vision with a power of imagination. I am cloning people like me and I have being able to achieve that, either by the soft approach or by force, as I realize I cannot do it alone; so the earlier I start to clone people of my vision the better for me and the faster I can expand and move on to bigger and more challenging and rewarding roles.
You have worked over the years, from engineering, procurement and facilitating construction deals with some of the biggest development companies both locally and international, if you had to address a room full of young aspiring business people on what success really means, what are those important details about business and success that you would like to share with them?
At some point in my life, I plan to go into mentoring young people; I intend to share my own story and make them understand that my story is enough for them to be convinced that, yes they can. It's about passion, dedication, honesty, focus; it's not rosy out there, sometimes I wake up and pray that the dawn should never come because the challenges were just too much, so I would tell them my story and I am looking forward to it, to share my story with the young ones and upcoming business people coming after me. I know my story is very touching and motivating and if that changes someone's perspective, then my job is done.
If you are passionate, dedicated and focused, you can achieve anything, also you need to stand and be known for something. It is absolutely important to be known for something!
How do you unwind from the cumbersome task of being a global businessman? 2015 is already in its third quarter, what more should Africa expect from the Gran Imperio Group?
I unwind by visiting Inagbe Grand Resort; I have come to love the beauty and warmth of it and I get billed like a typical client who has come to relax at the resort. I make sure to unwind every now and then because I get a lot of inspiration when I am relaxed and I often need a place where I can think, re-strategize and just reboot when the stress of travelling and managing so many projects kick in. I am a big thinker and getting the chance to reflect is vital for every thinker like me, I love to visualize the next 20-30years and just dream about how I can make it better and worth the time and work towards things. I remember the first day I got to the resort grounds; I told myself I was going to turn this around. I am also a spiritual person, and I believe that calm spirit drives me, my thoughts and my actions. Today, I look at videos of the resort and just marvel at the level of craziness and risk taking that went into making it what it is now.
Now, I am not afraid to turn another Jungle like what Inagbe Grand Resort once was into a beauty. We have another resort project in the works; we will keep that under wraps until the right time.
Outside of the press write –ups, accolades and business journals about your business, can you share a little about Mr Adeyeye Ogunwusi, the individual, the businessperson, Real Estate giant and Entrepreneur?
Adeyeye Ogunwusi is a very simple, energetic, much focused driven, and in all very God fearing. I am driven by results and my biggest strengths are research and development. I do things that regular people usually don't do by virtue of being energetic, which has worked for me over the years and in the course of my career. I invest a lot in people and I believe strongly in people, without people around you, you can't achieve anything, so my greatest focus has always been to invest in people and possibilities. In my dictionary, I don't believe anything is impossible, I believe in the power of imagination, it's my main mantra and above all, I live a simple life. I feel very fulfilled when I take up a big task or cross a big hurdle.
I started out as a businessman at a very tender age, and I have been in business actively for almost 20years, which gives me some sense of responsibility, sense of belonging and has also given me a whole lot of sense of leadership within the confines of the business that I run. Bottom line, I live my life as regular person.
Lastly, 30 years from now, what would you want the world to remember Adeyeye Ogunwusi for when the name is mentioned around the world?
In 30 years? A generation emerges every 10 years, if I had my way, I will adopt as many children, because my biggest friends right now are the younger generation, the older generation don't scare me as much as the younger ones do. They are young, vibrant, and enterprising and you just don't know what the future holds for them and what they will turn out to be. This remains one of the reasons why I treat the younger generation nicely, and mentor them with tender nurturing hands. In 30 years' time, I want to have been able to clone more than 50 Adeyeye Ogunwusi in the business world, who are able to do what I do and are even better at it. That will be my greatest achievement when my name is mentioned around the world.