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Days after President Uhuru Kenyatta asked him to step down for Mike Sonko in Nairobi governor race, Peter Kenneth has maintained he is the best for the seat, terming incumbent Evans Kidero is a "consistent loser" and Mike Sonko an "unmitigated disaster".
"It is time to abandon your bid and support the winning team of Sonko-Igathe," the President said during a rally in Nairobi on Friday.
Kenneth seems to have given the President's plea a deaf ear, and instead says that Sonko is a failed Senator and "cannot wash his hands off the mess" he has made. "I have walked all through and seen the troubles Nairobians are facing. It is evident that even Sonko cannot be a solution to these problems," he said.
Kenneth lost to Sonko in the race for Jubilee Party ticket in April primaries after garnering 62,504 votes against Sonko's 138,185.
The former Gatanga MP noted that he does not agree with the calls to step down by the President, adding the President agree with him that Kidero is a failure. "One thing I am happy about is that even Uhuru has accepted that Kidero is a failure," he said
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Speaking during a campaign rally in Karen, Kenneth said he has no problem with Uhuru supporting Jubilee candidates. "As the party leader, he is allowed to carry his candidates around...but then governorship is not about party prestige...it is about service delivery to the people," the independent candidate said.
Ofcourse ni haki yake kuwa kwa debe but remember he was at it then the voters rejected him during nominations so u think its hippos who will vote on 8th???Its the same pple who rejected him n they will do it again coz even the few he got knows he is there to spoil Sonkos votes??This is how educated pple becomes stupid n idiots they cannot man up drop their pride n support each other.Trust me PK beta pray that sonko looses to kidero juu if sonko wins knowing very well that PK was spoiling for him not to win,he is completely done politically n personally as kiambu pple we will make sure he is done!He made a mistake 2013 not supporting Uhuru who gikuyus had chosen to represent them n he thinks 2022 we will support him after spoiling jubilee votes in Nairobi??Watch this space.Remember tribal politics is a reality?After trying thug phd educated kidero who did nothing let's try sonko/igathe for Nairobi.
Point of correction Mkenya Halisi......yeah, it's hippos which gona be going to the ballot 8/8/17 to elect another tribal outfit of looters for the next 5 years. Ever asked yourself why Sub-Saharan
Point of correction Mkenya Halisi.....yeah, it's hippos which gona be trooping to the ballot centers come 8/8/17 to elect a tribal outfit that will be looting the country once more in the next 5 years. Like a dog that's being incited to go attack (shhhhhh......ka, shhhhhh.....ka), Kenyans have once again smoked their thing and cannot reason beyond their noses. They'll be electing charlatans and con men to critical positions of authority and then they'll turn around and say the country is not headed in the right direction....idiots!
Mlachake I will agree with you 40%.This happens all over the world pple elect leaders using their makamasi??Usa just did it n france??They elected mr BO who invanded n killed innocent women n kids in Syrians,Libya,Afghanistan n the previous bush gover too did the same in Iraq.If not corruption Its killings!Am not justifying our leaders but they r not that evil than where u resides??Atleast kwetu kiambu/ especially kikuyu constituency we have seen a lot of progress no wonder our mp is not fighting with anybody.He is the only mp who have already won juu ako kwa debe peke yake.Actually he should b given the ticket right away instead of iebc wasting money there juu ako peke yake?Mlachake in 15/20 years Kenya will b a very good great rich country???Maendeleo iko nawenye macho wanaona unless they r completely blind.


text:
Alun Williams
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subset: commoncrawl


text:
Hybrid Gradient Boosting Trees and Neural Networks for Forecasting Operating Room Data
Time series data constitutes a distinct and growing problem in machine learning. As the corpus of time series data grows larger, deep models that simultaneously learn features and classify with these features can be intractable or suboptimal. In this paper, we present feature learning via long short term memory (LSTM) networks and prediction via gradient boosting trees (XGB). Focusing on the consequential setting of electronic health record data, we predict the occurrence of hypoxemia five minutes into the future based on past features. We make two observations: 1) long short term memory networks are effective at capturing long term dependencies based on a single feature and 2) gradient boosting trees are capable of tractably combining a large number of features including static features like height and weight. With these observations in mind, we generate features by performing "supervised" representation learning with LSTM networks. Augmenting the original XGB model with these features gives significantly better performance than either individual method.
Hybrid Gradient Boosting Trees and Neural Networks for Forecasting Operating Room Data
Hugh Chen University of Washington {firstname.lastname@example.com Scott Lundberg University of Washington {firstname.lastname@example.com Su-In Lee University of Washington {firstname.lastname@example.com
noticebox[b]31st Conference on Neural Information Processing Systems (NIPS 2017), Long Beach, CA, USA.\end@float
1 Background
In hospitals, data is constantly recorded – often in the form of physiological signals such as blood oxygen, heart rate, blood pressure and more. In this paper, we address the problem of hypoxemia (low arterial blood oxygen) within operating rooms; one of the common yet potentially serious concerns that anesthesiologists deal with while safeguarding patients. In particular, one recent study found that hypoxemic events occur every 29 surgery hours on average for two hospitals' operating rooms (efvmsg10, ). These events can cause serious patient harm during general anesthesia and surgery and are correlated with cardiac arrest, cardiac arryhythmias, decreased cognitive function, and more (dbch14, ; sn01, ).
In order to assist anesthesiologists, Lundberg et. al. (2017) developed a method for hypoxemia prediction on operating room data with the aim of interpretability (Lundberg206540, ). They compared parzen windows, linear SVM, linear lasso, and gradient boosting trees. They found that gradient boosting trees with pre-processed features was the most performant method for hypoxemia predictions. In their evaluation of their machine learning technique, they found that their method made more accurate hypoxemia predictions than five practicing anesthesiologists. Lundberg et. al. showed that gradient boosting trees are very powerful methods for prediction (particularly for encoding interactions), but the preprocessed time series features used – exponential moving averages/variances – can be improved. Representation learning would take advantage of the recurrence/memory that neural networks can encode, and pass latent representations into a gradient boosting tree to further improve on doctor performance. In general, representation learning has already achieved great success in speech recognition, signal processing, object recognition, and natural language processing (DBLP:journals/corr/abs-1206-5538, ). It is well suited to time series biomedical data because inherent/latent structure is a reasonable assumption in physiological data. We explore this approach and present a framework for forecasting biomedical time series data.
2 Methods
Long short term memory networks Long short term memory networks are a sophisticated way to explicitly retain memory (Hochreiter:1997:LSM:1246443.1246450, ). In comparison to the autoregressive methods used in the previous exploration of hypoxemia (Lundberg et. al.), recurrent neural networks like LSTM networks are capable of capturing more complex dependencies. We train these networks in Python using Keras, an open source neural network library, with a Tensorflow backend (chollet2015, ; DBLP:journals/corr/AbadiABBCCCDDDG16, ). We utilize 72 CPUs (Intel(R) Xeon(R) CPU E5-2699 v3 @ 2.30GHz) to train our networks and our tree models.
In terms of the design, the networks in this paper simply utilize two layers, because adding too many layers made convergence difficult for our application. We found that important steps in training LSTM networks for operating room data are to impute missing values by the training mean, standardize data, and to randomize sample ordering (for time series in particular) prior to training. To prevent overfitting, we utilized dropouts between layers as well as recurrent dropouts for the LSTM nodes (Srivastava:2014:DSW:2627435.2670313, ). Using a learning rate of 0.001, rmsprop for an optimizer, and a sigmoid output layer gave us the best final results. The LSTM models were run until their validation accuracy did not improve for twenty rounds.
To the best of our knowledge this is one of the first applications of RNNs within an operating room setting, and we are unaware of any others. RNNs have been applied in other health settings: Lipton et al., (2015) applied LSTM networks in a clinical setting, Che et al. applied GRUs for imputation in clinical and synthetic data sets (2016) (DBLP:journals/corr/ChePCSL16, ; DBLP:journals/corr/LiptonKEW15, ). Chauhan and Vig (2015) and Rajpurkar et. al. (2017) have done work that focused on univariate applications of neural networks in health settings (cv15, ; DBLP:journals/corr/RajpurkarHHBN17, ).
Gradient Boosting Trees Gradient boosting trees work well in practice due to their ease of use and flexibility. Imputing, standardizing, and randomizing are all unnecessary because gradient boosting trees are based on splits in the training data. We postulate that gradient boosting trees are better at incorporating important static features in predictions than LSTM networks and saw very good performance with simple methods of processing time series features (exponential moving averages/variances). We found that a learning rate of 0.02, a max tree depth of 6, subsampling rate of 0.5, and a logistic objective gave us good performance. All XGB models were run until their validation accuracy was non-improving for five rounds. We train these models in Python using xgboost, an open source library for gradient boosting trees (Chen:2016:XST:2939672.2939785, ).
Run XGB using processed times series data (EMA/EMV) and raw static data.
Identify the most important features.
Run supervised learning with univariate LSTM networks on these features.
Use second to last LSTM layer to create features for XGB.
Retrain XGB model with additional hidden features for the final model.
3 Experimental Results
Data 57,000 surgeries containing real-time features sampled minute by minute such as SaO2 (blood oxygen), ETCO2 (exhaled carbon dioxide), etc. as well as static summary information such as height, weight, ASA codes, etc. obtained under appropriate Institutional Review Board (IRB) approval. After splitting surgeries into multiple time points, there are samples with positive examples. These labels represent a time series binary hypoxemia classification problem where SaO2 less than 92% is considered hypoxemia.
Evaluation Metric Area under the precision-recall (PR) curve is our evaluation metric. PR curves are widely used for binary classification tasks to summarize the predictive accuracy of a model. Rather than ROC curves, PR curves are better suited to classification problems with imbalanced labels. True positives () are positive sample points that are classified as positive whereas true negatives () are negative sample points that are classified as negative. Then, false positives () are negative sample points that are classified as positive whereas false negatives () are positive sample points that are classified as negative. Precision is defined as and recall is . The PR curve is plotted with precision (y-axis) for each value of recall (x-axis). In order to summarize this curve, it is conventional to use area under the curve (AUC) to measure prediction performance.
Performance We demonstrate that long short term memory networks outperform autoregressive methods.
Figure 1 reveals two things. First, we see that on a univariate signal, LSTM networks substantially outperform autoregressive methods – even performant ones like gradient boosting trees. Second, we see that LSTM networks improve in performance even after the autoregressive methods saturate in terms of accuracy. Utilizing lookbacks of 60 rather than 30 markedly improves LSTM network performance – suggesting that they successfully identify complex long term patterns relevant to prediction. Moving forward, the LSTM networks use lookbacks of 60 minutes to predict desaturation.
|Test PR-AUC
|Train Time
|LSTM network (200x200) on raw (SaO2)
|LSTM network (400x400) on raw (40 features)
Although multivariate LSTM networks to predict hypoxemia appear promising, they take a substantial amount of time to train. Despite having twice as many nodes, Table 1 Model 2 (a multivariate LSTM network with 40 features) only gives a slight improvement over Table 1 Model 1 (a univariate LSTM network with SaO2). Based on training the gradient boosting model, we suspect that static features contain more information relevant to prediction than the multivariate LSTM networks are capable of utilizing (Figure 2 justifies the importance of static features). Additionally, the cost of training the LSTM network is already increasing drastically with the model size. In order to successfully capture all relationships in a complete multivariate network, the network size would need to increase to an intractably large size. Preliminary results with a GeForce GTX 1050 GPU were approximately three times faster, but a multivariate network would likely still be intractable.
|Test PR-AUC
|XGB on processed (SaO2 only)
|XGB on processed (40 features)
|XGB on LSTM hidden (200 features)
|XGB on processed (40 features) + LSTM output (1 feature)
|XGB on processed (40 features) + LSTM hidden (200 features)
|XGB on processed - no SaO2 (39 features) + LSTM output (1 feature)
|XGB on processed - no SaO2 (39 features) + LSTM hidden (200 features)
Then, Table 2 shows that XGB utilizing only processed SaO2 (Table 2 Model 1) does not immediately do well. Yet when XGB has access to all 40 processed features (Table 2 Model 2) PR-AUC increases drastically – from to . This result suggests that gradient boosting trees are able to leverage the 39 remaining features to improve predictive accuracy in a way that LSTM networks alone could not. In figure 2, SaO2 dominates the top 10 most important features for hypoxemia prediction, but static features like weight and age are also of importance. Training models to effectively utilize these additional features did not appear tractable with LSTM networks (Table 1), thus motivating our exploration of a hybrid approach.
Then, in Model 3 of Table 2 XGB utilizing LSTM latent representations gives slightly better performance than the LSTM network alone, suggesting that gradient boosting trees are able to capture the non-linearity in the final layer of the LSTM network. Next, Model 4 shows that augmenting XGB with a supervised latent representation of SaO2 from our LSTM network gives substantially better performance than either individual model. Since gradient boosting trees work well on hidden features alone (Model 3), we combine them in Model 5 with the processed features, which yields the most performant model for hypoxemia prediction. Because we included the EMAs/EMV in Models 4 and 5, how much of the predictive performance is due to the EMAs/EMV and how much is due to the hidden LSTM features is still an open question. In Models 6 and 7 the hidden features are revealed to be much more informative than the single predictive probability, suggesting that the hidden features not only serve as fairly powerful surrogates for the EMAs/EMV, but that they also capture additional information that EMAs/EMV features do not. This suggests that supervised representation learning is capable of finding sensible representations. If these representations can be learned for many tasks and data sets, machine learning research scientists may be able to work additively on impactful questions in health. Through representation learning, motifs in time series data can be conveyed between research groups with access to different data sets in anonymous yet meaningful ways – protecting patient privacy.
At a high level, this hybrid approach is very simplistic. Yet this simplicity offers two nice properties, the first being generalizability – our hybrid approach to machine learning can easily be applied to any problem that would benefit from more sophisticated time series processing. The second property being accessibility – using the open source packages available, these two methodologies can easily be combined in very performative ways for biomedical data. Accessibility ideally encourages a trend towards representation learning as a means to make additive progress (collaboration rather than competition) on biomedical prediction tasks.
- [1] Jesse M. Ehrenfeld, L. M. Funk, Schalkwyk J. Van, A. F. Merry, W. S. Sandberg, and A. Gawande. The incidence of hypoxemia during surgery: evidence from two institutions. Canadian Journal of Anesthesia, 57(10):888–897, 2010.
- [2] C. M. Dunham, A. E. Hutchinson B. M. Hileman, E. A. Chance, and G. S. Huang. Perioperative hypoxemia is common with horizontal positioning during general anesthesia and is associated with major adverse outcomes: a retrospective study of consecutive patients. BMC Anesthesiol., 14:43, 2014.
- [3] L. Strachan and D. W. Noble. Hypoxia and surgical patients–prevention and treatment of an unnecessary cause of morbidity and mortality. J. R. Coll. Surg. Edinb., 46:297–302, 2001.
- [4] Scott M Lundberg, Bala Nair, Monica S Vavilala, Mayumi Horibe, Michael J Eisses, Trevor Adams, David E Liston, Daniel King-Wai Low, Shu-Fang Newman, Jerry Kim, and Su-In Lee. Explainable machine learning predictions to help anesthesiologists prevent hypoxemia during surgery. bioRxiv, 2017.
- [5] Yoshua Bengio, Aaron C. Courville, and Pascal Vincent. Unsupervised feature learning and deep learning: A review and new perspectives. CoRR, abs/1206.5538, 2012.
- [6] Sepp Hochreiter and Jürgen Schmidhuber. Long short-term memory. Neural Comput., 9(8):1735–1780, November 1997.
- [7] François Chollet. keras. https://github.com/fchollet/keras, 2015.
- [8] Martín Abadi, Ashish Agarwal, Paul Barham, Eugene Brevdo, Zhifeng Chen, Craig Citro, Gregory S. Corrado, Andy Davis, Jeffrey Dean, Matthieu Devin, Sanjay Ghemawat, Ian J. Goodfellow, Andrew Harp, Geoffrey Irving, Michael Isard, Yangqing Jia, Rafal Józefowicz, Lukasz Kaiser, Manjunath Kudlur, Josh Levenberg, Dan Mané, Rajat Monga, Sherry Moore, Derek Gordon Murray, Chris Olah, Mike Schuster, Jonathon Shlens, Benoit Steiner, Ilya Sutskever, Kunal Talwar, Paul A. Tucker, Vincent Vanhoucke, Vijay Vasudevan, Fernanda B. Viégas, Oriol Vinyals, Pete Warden, Martin Wattenberg, Martin Wicke, Yuan Yu, and Xiaoqiang Zheng. Tensorflow: Large-scale machine learning on heterogeneous distributed systems. CoRR, abs/1603.04467, 2016.
- [9] Nitish Srivastava, Geoffrey Hinton, Alex Krizhevsky, Ilya Sutskever, and Ruslan Salakhutdinov. Dropout: A simple way to prevent neural networks from overfitting. J. Mach. Learn. Res., 15(1):1929–1958, January 2014.
- [10] Zhengping Che, Sanjay Purushotham, Kyunghyun Cho, David Sontag, and Yan Liu. Recurrent neural networks for multivariate time series with missing values. CoRR, abs/1606.01865, 2016.
- [11] Zachary Chase Lipton, David C. Kale, Charles Elkan, and Randall C. Wetzel. Learning to diagnose with LSTM recurrent neural networks. CoRR, abs/1511.03677, 2015.
- [12] S. Chauhan and L. Vig. Anomaly detection in ecg timesignals via deep long short-term memory networks. In Proc. IEEE International Conference on Data Science and Advanced Analytics (DSAA), 2015. 36678 2015, pages 1–7, October 2015.
- [13] Pranav Rajpurkar, Awni Y. Hannun, Masoumeh Haghpanahi, Codie Bourn, and Andrew Y. Ng. Cardiologist-level arrhythmia detection with convolutional neural networks. CoRR, abs/1707.01836, 2017.
- [14] Tianqi Chen and Carlos Guestrin. Xgboost: A scalable tree boosting system. In Proceedings of the 22Nd ACM SIGKDD International Conference on Knowledge Discovery and Data Mining, KDD '16, pages 785–794, New York, NY, USA, 2016. ACM.


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text:
– So if you're closing a seller
financed real estate deal with a land contract, there's
a lotta different details and information that gets
baked into these documents. And it goes without saying that one of the most important things you'll have to complete in this process is the actual land
contract document itself. Which is also known as a
contract for deed in some areas. And this is the ultimate loan document that lays out all the terms and conditions that both the buyer and the seller have to adhere to for
the life of this loan. And understandably this
is a part of the process, it can be really intimidating
to a lotta people. And in a lotta situations out there it makes all the sense in the world for an attorney to take a
look at all the information, prepare all the documents,
the whole nine yards. But there are some deals out there, say if I'm selling our property
for a relatively low price and it's just a vacant lot, there's not a lotta
complexity to the deal, in those kinda situations
I have no problem filling out my own land contract form, simply because I understand
how the process works and I know what kinda terms and conditions belong in that document and
what I'm willing to accept. And there's a service out there that can really come in handy
in these kinda transactions. And it's called Rocket Lawyer. And the thing I like about
Rocket Lawyer is that it makes it really,
really easy to just answer a number of questions and
input some information. And it generates the full,
complete document for you. Which you can download
as like a Word document and you can edit it further if you want to or you can save it as a
PDF and just print it off and complete it right there. So I'm not necessarily telling you when you should or shouldn't
use this kind of service. That's really up to you to decide. I just wanna make you aware
that this service is out there. And what I wanna do in
this video is just take you through a hypothetical example
of how to use the service to complete a land contract. And I think when you
use this kinda service, especially the first time you're doing it, it still makes sense to
run it by an attorney just to make sure that all the state specific
requirements are met and that it gives you the ability to do an non-judicial foreclosure if your state allows that option. Just all that kinda stuff that may not be baked into this sort of
boiler plate template. But if you're in the real estate business and you're doing land contracts, I just think it's a good option for you to be aware of. So I'm just gonna take
you through the process and you can see how easy it is. And if it looks like
a good option for you, I do have an affiliate
link beneath this video that you can sign up for
Rocket Lawyer through and I'll get a small commission for that. And if you do that, I
thank you very, very much for your support and if not,
that's totally cool too. I wish you the best with whatever service or template you're using. But if you've got a few
minutes, follow along and I'll just show ya
how Rocket Lawyer works. So again, I have a Rocket Lawyer account. So I'm just gonna take
you through the back end and show ya how to get started. Once you're signed in you
can go to this tab over here that says documents. And click here where it says start new. And then all you have to do is search for the type of document that
you're trying to create. And a land contract also goes
by the name Contract for Deed. So I'm gonna type that in here. Actually just type in the word deed and then you can find all these things. And this is the one I'm looking for. So click on that and
then once you're here, all you have to do is
start answering questions. And it will compile the document for ya. So in this example I'm going to do this in the state of Michigan. So it's already on Michigan,
just click Make Document. And then the first thing
here, we're just gonna say what type of property it is. And in my case it's gonna be a vacant lot. Or alternatively you could also pick vacant lot to be used for
residential real estate. I know that's a really common
type of property that I get. Where it's like a buildable lot and the only thing you can do with it is build a house on it. I wanna go with this one here. And then right here
we're just gonna put in the physical address of the property. So I'm just gonna make up an example here. And we'll do 48906. Click Continue. And then who is selling the property? In this case, I'm gonna
say that I'm the seller and I'll just put in my name here. Or alternatively if I was selling this in the name of my company I
could put that in here too. ABC Company, LLC, something like that. In fact, let's go with that, 'cause that's usually
the way my deals work. Then we'll click business here. And then who will sign
this contract for deed for ABC Company? In this case I'm just
gonna put in my name, 'cause I'm a signer on
behalf of the company. And I'm the manager of my LLC. If you've got an LLC like I do, the title kinda depends on how your operating agreement is set up. If you have one. You could also put in member
here, if you wanted to. But mine is set up so
that I am the manager and I control everything. So that's why I'm putting that there. And then what is the
physical street address of ABC Company. This is where I'll just put
in my actual street address. And there it is. And then we'll hit Continue. And then where will this seller
sign the contract for deed? This is just asking where
I am going to be located when I sign the document. Because that determines
who the notary is gonna be. And just so you know, if you wanted to you could skip this step altogether but just clicking Skip. And then all it would do
is in the end document there would just be a blank there. And somebody would have
to write it in by hand. But since I know, you
know where I'm gonna be most likely when I sign this, I'll just go ahead and put that in here. So I'll put in Michigan and
then Kent County, then Continue. And then who is the first
person that will witness this seller signing the contract for deed. I don't necessarily know this yet, but I do know that they're
most likely gonna be in the state of Michigan, so I'll just put that there
and then hit Continue. And then sellers, just
got ABC Company like that. And then who is buying the property. This is where we put in the name of our buyer slash borrower. We'll just make up a name here. John Smith. This will just be a single person. If you wanted to put this in
the name of a husband and wife you could, you know check that. Or business or trust, but
I'll just keep it simple, do a single person here. Now this is where we
put the physical address of our buyer. So this would be wherever they live or work or want to receive any kind of notification about the
payments on this property. So I'll just make up
another street address here. And then where will John Smith
sign the contract for deed? We're gonna say that he's
gonna do this in Michigan in Wayne County. And by the way, if you
ever get stuck on anything in this document, say if
you just don't understand what you're supposed to putting in here or if you don't understand what it's telling you
to do with each item, Rocket Lawyer makes it very easy to just ask a one off question about that item to an actual attorney. And then they will get
you that answer back. Usually within the same day. Just keep that in mind. Usually each one of these
items does a really good job of explaining what you're supposed to do. But if you come across something that just doesn't make sense,
feel free to ask a question. That's part of what you're getting as the cost of your membership. And then this thing is the same deal where we're just gonna put Michigan and leave the rest blank. And then we're going to just hit Continue. And then when will the
contract become effective? We're gonna say that we're
gonna close this deal on May 1, so that will
be the date at which all of the stuff is
officially set in stone. And then what is the legal description of the property being
sold under this contract. Now the legal description is usually a very confusing string
of words and numbers, typically doesn't make a
lotta sense to the layperson. But it should look something like section 10, range 5, block
8, lot 14, City of Lansing. Sometimes the legal description
will be very short and sweet and to the point and other times it will very long and
complicated, but whatever it is, you can usually find this
on your county website or on the copy of the most
recent deed of record. Or alternatively, if you're a subscriber to a service like
AgentPro247 or RealQuest, a lotta times you can find
those legal descriptions in those databases as well. It doesn't necessarily
have to make sense to you but it should match
exactly with what you see on the most recent deed
or on the county website. Because this literally
describes what property is being transferred. So this is definitely
a part of the document that you do not wanna mess up. So you just keep that in mind. And hit Continue. And then who should the
payments under this contract be made to? In this case if you're gonna be using a loan servicing company you would put their name and address in here. Or if you're gonna be
servicing it yourself by collecting physical checks in the mail or having them
automatically wire the funds from their bank account
or from their credit card. In those cases then you would put your name and address here. So in this experiment I'm
gonna assume the later. So I'll put my company name in here, put the address in there and hit Continue. And then what is the total purchase price of the property sold under this contract? Keep in mind this is not
just the loan amount, this is the total purchase price. So in this example, I'm
gonna say it's $25,000. Hit Continue. And then will the buyer
have to pay interest under this contract? Yes. I almost always do 9.99% interest on mine, but there have been
times when I've done 0% or had other percentages. Whatever you wanna do here is obviously completely up to you. For the beginning date we're gonna make it the same as the closing date. So I'll put May 1 in here. And then has a down payment or
any earnest money been made? In this example we're gonna say yes. I almost always require
some kinda downpayment when I sell a property. And the amount in this case,
we're gonna say it's $5,000. Which will make the loan
amount exactly $20,000. And then what are the payment terms. In all of my experience, I've
always done this top one here. Installment payments of
principal and interest. But if for some reason you
wanna do something different you can obviously choose
a different option here. What is the payment agreement? This is really just saying
what the payment are gonna be and if there's gonna be a
balloon payment at the end and how long it's gonna
take them to pay it off. Depending on the loan amount, I'll usually make the term of mine anywhere from three years to
10 years at the very most. I kinda decide on that number based on how much the borrower is
willing to pay per month. And how much they can afford along with how quickly I need to get my cash back. In this case, I'm gonna say that it's gonna be a five year term, which is the same as 60 months. And balloon amount is gonna be nothing. I'm just gonna get 60 equal payments and then get this thing paid off. And then type of installments,
this is gonna be monthly. Then we'll hit Continue. And then will a late fee be charged if an installment payment is late? I always say yes, just 'cause
it's kind of a disincentive for somebody to miss
a payment or pay late. So I'm gonna keep it as yes. And then the amount that I'll put in here is just 25 bucks. I'm gonna give this
person a grace period of, oh what the heck we'll just say five days. And then for this one we're gonna give 'em an extra 10 days. So basically they have
until the 5th of each month before their payment is considered late and they owe an extra $25 late fee. And then they have until
the 15th of that month until it's considered in default. And we can actually take
some action against them. And I'm obviously not saying
you have to use these numbers, that's just what I would
do in my situation. If you wanna do something else and follow a different time line with
different consequences, you can obviously feel free to plug in some different numbers here. So once that's done, we'll click Continue and then here can early payments
be made without penalty? We're gonna say yes. And then what type of early
payment will be accepted? I'm gonna say any amount. And then will the buyer receive a discount if the contract is paid off early? I'm gonna say no, but if you want to you could do that, obviously. Is there any debt tied to this property. In my case, I always own all my properties free and clear. And if I don't, I'm not gonna
attach another loan to 'em. So in my case I'm always gonna say no. But if you've got a different situation then you could obviously
answer differently. Will the seller be allowed
to use the property as collateral on future loans? So basically this would just mean that if I still own the property and it wasn't paid off,
could I also tie up this property to take out another loan? And I just kinda think that's sorta uncool to the borrower, because that would mean that the property that they are paying for and thinking they're gonna own could potentially be taken
before they paid it off. Which I think is just kind
of a sleazy thing to do. So I'm always gonna say no on this. And then who will have possession and use of the property until
the contract is paid in full? This is pretty much
always gonna be the buyer. But if for some reason you
wanted to say no buyer, you can't even touch this thing until it's completely paid off, then you could also say this instead. But usually I set mine up this way. So I'm gonna go ahead
and make it like that and move forward. And then has the seller agreed to perform any specific repairs to the property? And I'm pretty much always gonna say no. It's being sold as is. And then who'll be responsible
for maintaining insurance? When you're dealing with vacant land, insurance is not usually a huge issue. If this was a house and a lot more things could go wrong with it, then the insurance costs
would be a lot higher. And it would be something
that you would probably wanna have more negotiation on, whether it's gonna be paid
by the buyer or the seller. But a lot of times with vacant land, if you even do get insurance, it's like very, very, very cheap. So for that kinda property, whoever does end up footing this bill, it's usually not a huge
deal one way or another. And then who'll be
responsible for paying taxes assessed for the sale of this contract? I'm gonna say this and
then usually what I do is I'll have the buyer actually pay me an additional amount each month, which I just store in an escrow account and then I'm the one that
actually pays the tax bill. But they are essentially paying me so that I can pay that bill. So that's kinda how I have mine set up, just so that I can be 100% assured that it's getting handled,
is that I make them pay me a little extra and then
I pay the bill for them. Because a lot of times these
buyers are gonna forget or they're gonna do it late and as long as I am technically
the owner of that property, I don't want this being left to chance. I wanna make absolutely
sure that those taxes are being paid current. So that's how I'm gonna
do mine and set mine up. And then who'll be responsible for paying real estate taxes and assessments through the term of this contract? We'll say buyer again. And then what type of deed'll be used to convey the property to the buyer upon completion of the contract terms? This really just depends
on how certain I am about the clearness of the title. So for example, if when I
bought it I got title insurance, and I know that this thing is clear and there are no issues. In cases like that, I would choose either like a warranty deed
or a special warranty deed. But if it's a property that perhaps recently went through a tax sale or perhaps if I did not do
all that thorough of a job of doing a title search on the front end and I'm just not ready to
put my neck on the line and promise somebody
that the title is clear, in those cases I would
choose something like this. I've got another video
and some stuff on the blog that talks about some of
the differences between these two types of deeds. So if you're not really sure about that, feel free to check out that video. But in this case I'm just
gonna pretend that I didn't do all that thorough of a
job with the title search. I just looked at the most
recent deed and that was it. And because of that I'm not
ready to do a warranty deed. At the very most I might do this, which just guarantees that
there were no new title issues that came up during the time period when I owned it. But even that, I don't know. If you wanna have absolutely no liability attached to yourself, you
would do the quit claim deed. And some buyers are not
gonna be okay with that, but if they don't care it's the least risk way for you to do it. So that's what I'm gonna go with here. And then who'll be responsible for the costs of recording the deed? We'll say buyer and they are
going to pay that money to us and then we will get it
recorded after the closing. Who will be entitled to claim the property for tax purposes? Let's say the buyer in this case, but obviously you could
do either one if you want. And then which state's laws
will apply to this contracts? And in my case I am also in Michigan as well as the property is, so
I'm just gonna say Michigan. And then enter any special
provisions you would like included in this contract. But I'm just gonna skip this part for now, 'cause it doesn't really
apply in my example here. And then who is preparing
this contract for deed? I'll put myself and then Continue. And now it is creating my contract for me. And so once this document
has been generated you can go here and let's just download a PDF of it, take a closer
look at how it reads. And then we can scroll through it here. But if you read through
this document carefully, especially the first time just so you understand what it says, it really just outlines the
terms of the loan agreement and it has all the information
that you put in there and answered earlier on. It looks like it actually calculated the payment
for us automatically. Sometimes you'll have to
manually put that number in, but this particular form looks like it just did it by default. That's kinda nice. And you just kinda wanna go through here. If when you're going through this document you come across anything
that you want to change or edit or get rid of,
or anything like that, it's really very easy to do that. You would just go back
here and then click edit. And then we will do this change answers. And then I'm just gonna
quick, scan through this and make sure all the
answers are right here. And then after reviewing that contract, I couldn't find any place in there where I was able to fill
in this information. And that should actually be filled in, so I'm just gonna go
ahead and do that now. And essentially all this is saying is that when you get this document signed and notarized by all parties, and you mail it to the
county register of deeds to get recorded, where are
they supposed to send that original document back after they've, you know put their sticker on it and run it through their system? So I'm just gonna put my location in here, because I want them to send it back to me, because I'm controlling the
flow of this documentation. Hopefully that all makes sense. Hopefully you found that helpful. Again, Rocket Lawyer, you don't
necessarily have to use it, but I've just found it's a lot easier than trying to work with a template. Because when you have just
a straightforward template, it gives you a lot of potential
areas for you to miss stuff. Whereas you can see with Rocket Lawyer, it just literally took you
through each item step by step and you literally had to tell it if you didn't wanna answer a question. So you're fully aware of
everything you're missing. In terms of the cost of Rocket Lawyer, it's really not too bad. If you go over here to the pricing page, you can kinda see at the
time of this recording, these are what the two options are. This is the one I'm doing right now, the premium subscription. And if you wanna pay for it yearly, if you know you're
gonna use it year round, you can save 20% on that. As you can see, I mean
it's not necessarily cheap, but it's not like
horribly expensive either. Especially compared to
the cost of using a lawyer for all of these things. If it's a simple enough
deal and if you know what you're doing, it's not too bad to use this to prepare
all of your documents for land contracts and things like that. So anyway, I mean it's
just an option out there and it's what I'm using right now for a lot of my stuff and it's
working pretty well for me. So that's how you create land contracts with Rocket Lawyer and
that's how you can do it too.


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It's beyond your program and more about you!
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1st equipped squats after the Master Europeans 2019. Together with my buddy @peterbaltus1972 watching my back 2😁👍👌 . There Is No Finish 🏁 Line . 🌍www.titanwebshop.eu ✔Where power and support unite . ✔Go Forth with Titan Support . ✔The number 1 Powerlifting supplier. ✔Always the Orginator. . #squat #bands#chains #wobblysquats#slowsquats #pausesquats #pausesquat #deadlifts#deadlifting #deadlift #workout#strengthtraining #yellowjackets#supportsystems #sterksteman #strongmen #crossfit #crossfitnl#yellowjackets #pwrlftr #powerlifter #powerlifting #yllwjckts #benchpress #philiftsophy #adoy @titanpower81 @titannetherlands @teammagnapl
Blog by: Colette Haddon
After competing in powerlifting at the European Masters in Hungary where I was successful in winning three medals and Gold overall, I knew that I had to make some changes in order to progress as an athlete and achieve my future ambitions in powerlifting.
Working IT I had a little checklist in my head on what I was looking for in a coach – this included adding kilo's to my total weight, improving my technique, gaining experience and maybe the most important: trust.
Powerlifting world
Like with everything, the "powerlifting world" is what you make of it. I did have the pleasure of meeting a lot of people whom I not only could look up to but also with whom I could communicate, laugh, uplift and talk all things powerlifting and beyond. In a conversation with one of those athletes I mentioned the above and as we talked further she mentioned 'Wim Wamsteker'. I knew of Wim through his reputation and brief contact – a couple of "hello's" and a "congratulations" in passing at a meet. Of all the names mentioned Wim stayed in my head so he was the one I contacted in regards to becoming my coach. He agreed.
Fast forward six months
The following six months involved getting used to a completely different approach to training. This was a game changer. Here I went from killin' myself each and every session to relatively lighter (but never easy) weights session followed by one heavy day… and yeah, that heavy day is HEAVY! It took me a while and several successful meets to get my head around this programming setup, and I had to build my willpower to overcome my impatience about peaking and not be worried about my kilos. But I hung in there (and so did Wim!) and the payoff was worth it! ☺
That little checklist I had in my head… how did that turn out? Wim met my expectations and so much more. Wim not only helps with a program, technique and a "GET IT" on GAME DAY, he provides a mirror and many lessons that expand to daily life. He showed me to trust the process, to live in the now and work from the 'this is what I can do now while working to what's ahead. He watches your lifts, technique and mental setup. A mental coach as well, if you will.
On meet day my mind can now shift to a relaxed state. This means having some laughs and even doing some singing and little dance movements on competition day, followed by a huge FOCUS when it's time to have that minute on the platform. This resulted in winning the Gold and taking home the Best Lifter award on all of my last three meets.
Three meets in 10 weeks, improving each meet 'til I had my current best at the third meet (a total above the current world total M1).
Bottom line
Wim has helped me tremendously, allowing me to achieve improvements in kilo's, technique and focus. I look forward to many more improvements in my lifts and life on the way to upcoming (International) competitions.
Full meet video (below the record attempt)
Below full meet video


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I always wanted to be "the" leader. I wanted to be the one in charge. I worked hard to get in the position of leadership. I was always going to out hustle everyone else, even to the risk of injury because I wanted to lead by example.
On the sports field, I was not the biggest or strongest, but I was often the loudest; especially when it came to losing versus winning. I would often let others know how important I was to the win and how important they were to the loss.
I'm not proud of some of my actions or behaviors from those days. I can say I have made some apologies along the way. What I have come to learn is leadership is a profession- not a position, a title or anything else.
When I was in the U.S. Army and promoted to lead others, I had a great leader who said "Mike, you have potential to lead, and your assertiveness is what got you here. But you need to grow into a leader who can gain respect and influence, and not rely on fear and authority."
He gave me two books to read, one was 7 Habits of Highly Effective People by Stephen Covey and the other was John Maxwell's Developing the Leader Within You.
This began my journey of leadership growth and soon an understanding that leadership is a profession and not a position. Up to that point in my life, I had never read a full book. I wanted the cliff notes, I wanted the easy way to do things. I wanted the quickest way to leadership.
In the profession of leadership, there are no shortcuts.
What do I mean when I say leadership is a profession?
Leadership is like any other profession. Position doesn't make you the best; but those who never stop learning and growing and adapting become the real pros. Doctors are constantly training and learning new techniques and medical advances to help their patients. Lawyers are constantly studying so they can perform better for their clients. Soldiers always training and preparing for the call they may get in the middle of the night when danger comes.
Are you a professional leader or are you a positional leader?
Not to over generalize with this statement, but many leaders I now work with as a professional coach and trainer are not professionals. They have been promoted along their career path due to experience, technical skill or tenure…they have been put in charge of others' lives as a leader, but are often leading from their technical skill set and position of being an expert in their field.
Technical skill does not make one an expert leader.
Professional leaders need to develop these 5 qualities.
Character - WHO you are. Your values as a leader and how you treat people. This is the most important quality to develop. Who you are, determines how you lead!
Communication – The most dangerous thing for a leader is to think communication has occurred. Always be developing this skill. Everyone on the team needs to hear from you.
Collaboration – John Maxwell's Law of Significance tells us "one is too small a number to achieve greatness." In today's world, working with others is a must to get everything done and done well.
Coaching – Great leaders are great coaches. Not tellers, not managers, but coaches who can pull more out of their employees than they think is possible.
Creator – As a leader you are either a thermometer or a thermostat. One controls temperature, the other tells the temperature. You are the creator of your culture and environment, do not leave it to chance.
I have read hundreds of books, invested thousands of dollars to learn from people like John Maxwell, Stephen Covey, Peter Drucker, Zig Ziglar and many more leaders past and present.
Professionals never stop learning, growing and testing new things. In the U.S. right now as summer is winding down, football is right around the corner. Fall training camps have opened for the professional football players.
Why do they need a camp if they are pros?
Professional leaders understand that they can never stop learning and growing. New teammates will challenge us. New changes coming will challenge us.
A professional leader can't rely on yesterday's skills to lead today's workforce.
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Thank you for your interest in BBVA. I have the expertise to help analyze your situation and find the mortgage that best suits your needs.
I'm Edna Garcia, a Mortgage Banking Officer (MBO) in McAllen. I have been dedicated to helping people in McAllen and surrounding areas buy their dream home with the right loan for more than 12 years. If you are considering buying a home or refinancing your existing mortgage, it's important to explore your financing options. I will help you find the financing solution for your specific needs and will guide you throughout the process, from pre-qualification to closing. Take the next step in your home ownership journey. Contact me today.
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Sculpted by Rocco Tartamella. A Diamond Select Toys release. The heart of the Justice League team has arrived, completing the DC Gallery movie line-up! Wonder Woman slides into action in a scene straight from the movie, with a fine likeness of actress Gal Gadot, gliding across the floor on her knees, ready to take out an opponent with her sword. This 9-inch scale PVC diorama measures approximately 7 inches tall and comes packaged in a full-color window box.
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Kings Court RV Park
212 E Grand Coulee Avenue, Grand Coulee, WA 99133
Investment/Owner/User: Long standing RV Park priced to sell. 24 RV spaces, 3 park models, manager living quarters, only laundry service in town and 5 apartments. Numerous income streams. Owner carry.
Athol Development Sites
Highway 54 and Highway 95, Athol, Idaho
Development: Great Opportunity to own 19 acres bordering the North Athol Exit Ramp and the South Athol On Ramp for Highway 95, in Athol, Idaho. Property also borders Highway 54, Old Highway 95 and Sylvan Road. Located just south of the new Super 1 Foods. Zoned Commercial. All utilities available.
Cedar RV Park and Campground
4404 North Highway 31, Ione, WA 99139
Investment/Owner/User: 4.4 Acre RV Park and campground. Property includes dump station, truck/car wash, shower house, laundry facilities, 2 furnished guest cabins, RV store, gist shop and owners quarters with shop and sheds.
Former US Bank Building
7 McKinley Avenue, Kellogg, ID 83837
Investment/Owner/User: Well equipped for financial and banking operations. The building is 4,370 sf and has four teller stations, several private offices, lunch room, large reception/waiting area, vault storage with safety deposit boxes. There are two parcels of land totaling 0.36 acres providing ample parking, 2 drive up teller stalls and outdoor ATM. Good ingress/egress.
Wayside Market & Convenience Store
217 Main Street, Smelterville, Idaho 83868
Investment/Owner/User: 6,000 sf Market/Convenience Store. Currently not in operation but owner operated for past 13 years. Profitable business with newer freezers, refrigerators, furnaces,water heaters and membrane roof. FF&E and inventory are negotiable or could be purchased separately. Good location. Offering includes living quarters.Owner carry possible.
Daniels Nursery & Tree Farm
2198 Hwy 25 South, Kettle Falls, WA 99141
Investment/Owner/User: 120 Acre tree farm & nursery. Established 20 years ago, it has long term knowledgeable staff and a dedicated customer base.


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A need to use quick guide when making a decision on a fence contractor Melbourne FL regarding your ability
Excellent is simply fundamental when this comes to anything in order to handle with your building. If ever our clients are actually keen on secure fencing your home, then chances are simply a certain you are going to be simply extremely invested in receiving the best building materials to get the fence and the absolute best installer so as to deliver the vision anyone had about your real property to lifestyle.
There are actually a lot of possible dangers one run having picking an unconditional and also unreliable fence contractor to perform on your property. This specific content takes a look at the essential tips in which individuals will need to be guided by each time our clients want to select a fence contractor FL with regard to your property which are going to grant our clients your money's well worth.
Certifications in order to knowledge
Incompetence is really something anyone provide that one may be definitely wary of, most especially when anyone choose an expert in order to get services referring to a project in order to get you. Individuals must be wary of employing the services of another person who does not know things that these professionals are definitely carrying out considering that that they will end up charging your place a lot more with the way in regard to very expensive replacements that other anyone would known in order to complete. In such a way, the first of all factor our clients really need so as to do every time people are actually searching for a fence contractor Melbourne FL, you need to select someone using the proper expertises to complete the best purpose. And so, you need in order to inquire with respect to their qualifications to begin with. Upon fulfillment having their recommendations, anyone needs to front in their testimonials. These people are going to really help shed even more light about what this is simply like to get the job done using a particular folks and also no matter if they have the right skill set to get the fence installation carried out in a timely and also instant process. Remember: competence is crucial when it comes to fences since a fence really needs to be without a doubt protected enough in order to always keep the intruders far away.
Insurance coverage is a will need to
A lot of users should want to rescue a number of bucks anytime these guys really want so as to hire a fence contractor Melbourne FL that these people won't ask no matter if or not a building contractor is insured. Insurance coverage is really important whenever individuals come with people getting the job done on your real property given that factors come about; people training on your home may become harmed or perhaps several parts of your property might just have damaged. In case anyone pick out to function with a contractor such would not come with almost any insurance protection, well then you may perhaps have taken legal action against as well as drop. Therefore, our clients should be cautious regarding whom our clients choose so as to prevent unneeded liability matters as your job continues during your compound.
Property care shortly after the task is accomplished
In order to install fences on your property, there will be a bunch of excavation and also some other works with improvement. This buys really sloppy. Thus, anyone needs to talk to in case or not the organization provides landscape well-kept up support services unless you carry out almost all the services for yourself.
Management along with service warranty with respect to careers performed
Anytime you are individuals wish to verify that a special fence installer will definitely do a higher superior task, all one get to perform is inquire in the event that these guys get a warrantee when it comes to the works these individuals perform. Your place have to be really inquisitive concerning the things is simply taken cared of in the manufacturer's warranty in order to the period of time the extended warranty go on when it comes to. The Adversary is always inside the details in this relevance.
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Crucial oversights which must be definitely prevented the second selecting a fence contractor Melbourne FL
Have anyone experienced a 'contractor from hell '? A particular whose business mishandled the basic job your place hired all of them to do? An individual who is unwilling so as to take on duty with respect to their breakdown? In case one haven't much, well then individuals are really really lucky. It can have instead bothersome negotiating along with such guys. The very last factor individuals would likely dream of the moment individuals fork out money simply in order to finish up with a rushed project.
The second individuals are actually appearing with regard to fence contractor Melbourne FL, individuals are in need of to be really keen during the procedure. One are in need of to perform a bunch from due to carefulness in purchase to have a folks this will offer individuals professional services this are definitely well worth the investment in order to absolutely nothing less.
Throughout the hiring process, certainly there are really certain challenge areas which a lot of individuals have with regard to granted. These types of locations are important and our clients must prevent making errors in these people. Listed below are the major errors that our clients require to prevent once one want to select a specialist.
The number one error who you should avoid is sizing up the suitableness of a person based on 1 quality. The second individuals want to put up a fence as quickly as feasible, people are going to have induced so select an individual based regarding one of these high quality. This could possibly be which the personal deals a great price to accomplish the services when it comes to you or some other really good quality this masks several poor 1. In case individuals are actually interested on acquiring your funds's worth, you need to prevent falling victim to it tendency. Anyone need to have to guarantee which your place have the total imagine before you make a final decision regarding who will work on your property. So as to this specific end, one require to appear in the great, the negative and also the unsightly part from the professional. If the really good surpass the negative, at that point head ahead of time and work with them. There certainly is really no replacement in order to doing comprehensive related carefulness.
Yet another error anyone should avoid when choosing a fencing contractor is knowingly deciding on an unproved professional within the industry. These kinds of folks feature a tendency to provide appealing prices when it comes to their professional services this are definitely merely as well great to successfully pass raise. When people are simply searching that one may get worth with respect to the money you commit throughout a professional, experience concern a lot. This provides one assurance in which when the fence contractor Melbourne FL begins doing the job on your home, the task will certainly handled quickly as well as professionally. Hence, the minute individuals are seeming to work with an individual to function about your fence, these experts have to provide one references and also verification of past jobs managed. The moment you are definitely contented that these experts may deliver, and then one will go ahead of time and work with these people.
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These two children's/YA novels by US author Kate Milford are not completely new, having been published in 2010 and 2012. They are however a new find for me - and a very special one. They seem to have earned deservedly accolades in The States, and the two together are more than enough to prompt me to add this author to my list of the finest contemporary writers for children.
They are most evocatively set in place and time, the first in small town America of 1913, the slightly later-written prequel in the emerging New York City, specifically Brooklyn and Cony Island, at the time of the building of the Brooklyn bridge around 1877. Each setting delighted me as well as enlightened me rewardingly about these particular periods of America's development. But they are far more than historical fiction: each is also an intriguing mystery, a very engaging human story, a thrilling fantasy, and has more than a touch of grand gignol to spice the excitement too.
It is truly refreshing to come across such original, diabolical and yet folksy fantasy, rather that the apprentice wizard fare that has become so standard in recent years. These books deal with important 'issues' too, but sensitively and subtly, rather than beating the reader over the head with them. They have wonderful characters, the young teenage protagonists totally beliveable and engaging, the older characters just that, be they warmly drawn and loveable, eccentric and intriguing or spookily disturbing. The first book is gingered by such wonderful ingredients as automatons, a weird and wonderful travelling medicine show, and the seemingly untameable rogue boneshaker of the title. The second by magical fireworks, a demonic plot and a sensitively and touchingly developed young love story. In each case too the whole is most skilfully written to create rich atmosphere and hold the reader enthralled.
Both books are a delight and for me a real discovery. I shall now most certainly seek out Kate Milford's more recent titles and I most warmly recommend her to you.
As is too often the case, these books are sadly not published here in the UK, although they can be sourced online. As you know I like to support independent 'real' bookshops whenever possible, but sometimes . . .
Children need and deserve access to the best writing of the English-speaking world, and although many fine books are published in the UK there are numerous treasures out there which aren't. Kate Milford's books are remarkably fine examples. Five stars to her for striking originality and captivating storytelling.


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As the recession took its toll last year, more Americans fell into poverty, saw their incomes decline and joined the ranks of the uninsured, according to new data from the U.S. Census Bureau.
The Census Bureau released the results of its annual Current Population Survey today in a new report — the first to include a full year of data from the Great Recession. At the Pennsylvania Budget and Policy Center, we have an analysis of the data, including a look at some state-level details.
During 2010, the national poverty rate increased to 15.1%, the highest level since 1993, with a record-breaking 46.2 million American adults and children living in poverty. Median household income also declined, and the number of individuals without health insurance increased again, now approaching 50 million.


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We exists to reach men who are lost, teach men how to be all they can be, equip men with the armor of God, empower men to fight for what is right, and lead men to seek those who are lost.
Men's Spring Midweek Bible Study
Thursdays at 6:30pm
February 3rd through April 9th
In this 7-session video-based study, we will explore the last words of Christy from the Holy Land locations where they were spoken. From The Mount of Olives to The Garden of Gethsemane to Golgotha and more we will unpack the drama, power and deeper meaning of Jesus' final hours before his crucifixion. We will meet from 6:30 - 8:00 p.m. in the Student Life Center. Childcare is provided.
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Wine Run 5k
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Hey MAMers !
In honor of World Hug Day we have compiled a list of 7 ways hugging is beneficial for children! So read on to see how just one 10 second hug a day goes a long way!
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We can boost our child's confidence tremendously with a simple hug, helping them feel secure and thus empowering them to fully engage with the world without fear of rejection because they already feel acceptance from us.
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BENGALURU: Amid protests against the CAA, a video of AIMIM leader Waris Pathan has gone viral where is seen saying 15 crore Muslims can be heavy on 100 crore, triggering a backlash from all quarters.
He purportedly made these comments while addressing an anti-Citizenship Amendment Act rally at Kalaburagi in North Karnataka on February 16.
"We have to move together. We have to take Azadi (freedom), things that we don't get by asking, we have to take it by force, remember it," the All India Majlis-e-Ittehad-ul- Muslimeen (AIMIM) leader can be purportedly heard saying in Hindi.
"Now time has come, we are told that we have sent our mothers and sisters in the front and were sitting covered in blanket...only our lionesses have come out and you are already sweating, understand what will happen if we come together. (We may be) 15 crore, but are heavy on 100 (crore), remember it," he is heard saying.
Pathan is said to be referring to the criticism against women, who are protesting against the CAA at Shaheen Bagh in Delhi.
Hitting out at Pathan, the BJP's Karnataka unit said such threats do not work in new India.
However, Pathan has issued a statement to the media, saying he has been quoted out of context.
"I hereby wish to state that the media reports on TV channels showing my statement made in the public meeting at Gulbarga five days back have totally quoted me out of context," Pathan claimed on late Thursday evening.
"I wish to reiterate that I can never say anything intentionally or unintentionally that hurts the sentiments of any caste, community or gender. I am a proud Indian and respects the plurality of this country," he said.
While admitting that he has been angry like many Indians that the Centre is neglecting issues concerning CAA, NRC and NPA, the former MLA from Mumbai said, "Neither me nor my party supports anything that creates a divide between people on the basis of caste, creed and religion."
Also Read | Woman Shouts 'Pakistan Zindabad' At Anti-CAA Event