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Do Sparrows Grow Old?
I began to realize sometime last year… actually it was exactly 10 days before Thanksgiving 2011… that I am getting old. Or older anyway. The usual stuff for sure – like sore muscles after doing a project around the house… waking up in the middle of the night needing to take a pee… finding enough grey hairs that it is no longer prudent to pluck them lest I go bald. More than that though, 10 days before Thanksgiving 2011, I was convinced in the middle of the night that I was having a heart attack or stroking out. I was sure it was my "lights out" moment. It wasn't though – thus my ability to write this text 3 months later. I went to the doctor the next day for a battery of tests that all came back completely normal. The doc said that they tested me for everything short of pregnancy and he felt ruling that one out based on his own medical knowledge and expertise was a safe call. I trust him. He said, "you just have to cut out the stress."
Huh? Doc – I am a "pastor," I replied in my most spiritually pompous voice. I thought to myself who is he kidding? He has missed something… I mean I have sparrows tattooed on my shoulder because of Luke 12:6. I believe in a God who sees to my every need and takes care of every stress in my life. I don't have a stress issue… I mean if I do … then I am such a hypocrite! I tell everyone all the time not to worry – That God is in charge!!
In my mind and my heart though – I knew he was right. I had let stress overtake me. I began to slowly realize that at some point I had quit taking all of my troubles and concerns and worries to God and instead had begun trying to deal with them on my own.
It happens to all of us – pastor or not. We sometimes "forget" about God. I don't mean permanently – or even really "forget" in the amnesia sense. I just mean that we get into streaks where we consistently push Him to the background so far that while we aren't really forgetting Him – we forget to look to Him. Sometimes the patterns are easy to identify. We have a fairly stress free few months where things are all going smoothly and we take Him for granted. We "forget" that all our blessings pour from Him. At other times – times of sorrow, grief, anger… stress… We get too focused on our terrible circumstances and they become what we spend all of our time focusing on. We forget to ask Him for His hands to rescue us.
It comes down – ultimately in both scenarios – to a matter of discipline. If we don't stay focused and disciplined in turning to God in both the good and the bad, then we begin to weave back and forth through life. We are like an unbridled horse… still moving, sometime fast, sometimes slow… but with no real purpose. It is a strange concept that being disciplined and submitting to God is actually freeing. Society doesn't teach that. People outside of a relationship with God certainly don't believe that. The sad part is that for many of us who claim Christ – we don't really believe it either. We want God in our pocket… there when we need Him… Put away when we don't. The disciplined response is that we need Him all the time. When He stays at the center of our focus… Everything else fades away… all our worries, our fears, our anger, our bitterness, our loneliness, our heartbreak… It's not that we won't still experience tough stuff – it's just that we trust in Him to pick us up and see us through. So yes… Look at the sparrows. Let them be a reminder that God will provide… And just like them, we don't need to worry.


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Follow Getting the Deal Through for the latest updates on law and regulation worldwideFollow us on LinkedIn
Saavedra Becerra Abogados SAS is a modern boutique law firm founded in 2010 in the city of Bogotá (Colombia), formed by experienced and top of the line professionals, with excellent credentials and whose main goal is serving its clients' interests in the best possible way. The lack of inflexible bureaucracy allows the firm to accommodate to the needs of a diverse and elite client base, treating each of its clients as business partners, rather than as a revenue stream.
The firm offers a broad variety of business and transactional services to international and national companies, financial institutions, investors, universities and public entities in diverse practice areas such as: commercial law, administrative law, public procurement, public-private partnerships, litigation, arbitration, torts, contracts and dispute adjudication boards.
Our clients expect seamless, high quality and proactive solution delivery. They also expect that our counsel provides tailor-made solutions based on sound and comprehensive legal analysis. We believe that every client is unique and every situation demands individualised attention. That's the reason why our lawyers take the time to understand each specific legal challenge that our clients face, as well as their goals and expectations. Our clients are looking for straightforward advice to solve their legal issues as briefly and efficiently as possible. At Saavedra Becerra Abogados we make this possible.
Follow Getting the Deal Through for the latest updates on law and regulation worldwideFollow us on LinkedIn

subset: commoncrawl


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By Nate Hagens: Reality 101 Short Courses
Today Nate Hagens released a new series of short courses on the human predicament created for the University of Minnesota NEXUS ONE freshman program. More information on Nate's educational initiatives can be found at the Institute for the Study of Energy and Our Future (ISEOF). You can also find another excellent Reality 101 course … Continue reading "By Nate Hagens: Reality 101 Short Courses"


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The Ultimate Guide To White Label Services in 2019
White label services are the secret backbone of the digital marketing industry. These services work with expert knowledge and speed to create a sculpted brand while an outward-facing marketing agency handles the day-to-day needs of their clients. As digital marketing strategies and technologies evolve faster than ever, these white label services exist to keep clients on the SEO cutting edge.
Table Of Contents
All white label services are worth reading about, but if you're looking to learn more about a specific one or two, jump to them here. Or, take your time and scroll through each service to learn the wonders of white label.
Service #1: White Label Content
White label content creators write from the brand and perspective of their clients (and their clients' clients), embodying their tones, values, and goals. The content they create can range from website copy, blog posts, industry news coverage, posts on social media, and so much more. In this way, white label content creators are skilled at adapting what they're writing about, who they are writing for, and what kind of content they are writing.
Content marketing reseller services will often be offered as either a one-time content purchase or as an ongoing deliverable. The latter option works well to keep unique content flowing onto the client's page, giving readers something new to read when they check the company's website.
Creating relevant content is not only important for entertaining readers, but it is essential for SEO purposes as well. By incorporating valuable keywords and links into the content on their website and social media, clients will be better able to rank on their desired keywords and attract more leads. With expert content creators, your clients will be able to steer clear of clunky phrasing and incorrect grammar while receiving beautifully-written pieces and up-to-date social media posts.
Service #2: White Label Graphic Design
When you have high-quality, highly relevant written content, you also need attractive graphics to go with it. These two components go hand-in-hand to pull in readers and increase the time spent on the page. In white label graphic design, a specialist creates customized graphic design work that marketing agencies can resell to their own clients.
In a similar way that written content is created to sound like it is coming directly from the client or brand, white label graphic designers are able to put on the branding of the end client and make visual elements that represent the company. These designers are typically able to take on many forms, including design to accompany written content, business card and brochure design, and even a full corporate brand identity design.
The human brain is naturally drawn to striking images, which draw our attention and engage our senses. When a marketing agency offers graphic design as one of their white label services, they are offering yet another way to improve SEO rankings.
A great piece of graphic design in the form of an infographic can be accompanied by a short written breakdown of the image, thereby incorporating all of the necessary keywords and internal links that search engines like to see. Posts on social media almost always perform better when they have the perfect visuals attached to them and they are more easily read by users on smartphones than long written pieces of content.
Service #3: White Label Social Media Management
While we've discussed how written and visual content can assist a social media campaign, there are white label services that focus solely on boosting a client's social media presence. And for companies that want to stay in the modern world, having a strong social media presence is key. Consumers heavily rely on social media to get an instant impression of a company. On nearly any social platform they can check a company's reviews, events, and values.
When a company has active social media accounts, consumers know that they care about keeping up with the modern age and that they can contact the company through social media and get a response. Platforms like Twitter are becoming a major avenue for companies to interact directly with customers, crafting an online personality while building trust with followers. This kind of social media awareness goes a long way in building a company's brand and gaining attention from all corners of the digital world.
By using trusted techniques and employing social media know-how, white label social media marketing can manage social media posting and craft excellent social media content with the assistance of graphic design elements and written content creation.
When a marketing agency offers its clients social media marketing, they're giving their clients the opportunity to jump into the social media world without developing their own social media department.
Marketing agencies already handle plenty, but when clients are demanding more and more--and offering to pay for it--it can be difficult to refuse. That's when white label services step in, relieving the burden of total marketing responsibility from the agency and providing tried and true marketing techniques.
Service #4: White Label Digital Advertising
A wide variety of services can fall under the umbrella of digital advertising, and that's why teaming up with a white label company can be extremely effective. A white label service provider can manage PPC campaigns, generate ROI Reports, track real-life metrics, and create and manage ad campaigns on platforms like Facebook and Youtube. As the advertising agency, you can then resell all of these digital services to your small business clients.
In today's business world, strong digital advertising is the only way forward. It is what draws attention to a company's other marketing strategies, generates direct traffic to a client's website, and drives up sales and conversions for small businesses.
Because of these results, over 42% of local businesses are planning to use more digital advertising strategies in the next year than they did this year.
Be ready to provide these services by first partnering with a team of white label PPC experts. When you outsource PPC campaign management to an experienced team, your advertising agency will save time and money while guaranteeing results for your clients.
The white label service provider will set up the campaign so that your client's website is among the first page results, and then they will work to update ad copy, add negative keywords, and keep an eye on search terms. These PPC aficionados often offer consultancy services and will generate reports and analytics regarding the campaign as well.
White label service providers can manage nearly any digital advertising campaign like this for you. With their easily rebrandable options, such as multi-channel campaign creation, mobile-optimized landing pages, and Facebook and Display ad image design, white label providers are your one-stop shop for digital advertising needs.
Service #5: White Label Website Services
As another umbrella service, white label website solutions can cover any product or service that an advertising agency is able to rebrand and sell to their clients. These solutions range from web design services, to website add-on products and more.
Small businesses tend to need these services because their website is the first impression potential customers have of their company and they want to make a great first impression. A business's website serves as their major online representation. Any other digital marketing solutions you provide are going to lead right back to the business's website. As long a business is coming to you for other digital services, why wouldn't you offer to optimize their website as well?
If a business is just starting out, you can partner with a white label services provider to offer your client full website creation through design, development, and hosting. When a business already has a website but they want it to be revamped, you can resell copy content and visual asset services to upgrade select pages on the website that are not performing well. Other possible add-ons could include live chat platforms, form builders, landing pages, and appointment schedulers.
By using white label website solutions, you can position your advertising agency as an expert in the industry. About 51% of small businesses are investing in websites to supplement their digital marketing, and you would be missing out on a valuable service if you didn't take the chance to also add it to your list of offered services. And when you work with a white label service, you will be getting an experienced team well-versed in what brings digital traffic to a client's website.
Service #6: White Label SEO
In the competition to get clicks, page visits, and links, SEO is arguably the most important variable.
Short for search engine optimization, SEO is the process of making your website as valuable as possible to search engines like Google so that your page is among the top search results for certain keywords and phrases.
White label services can come in handy yet again when it comes to a company's SEO. White label SEO solutions come in the form of a platform or service that is designed to optimize a client's digital content.
Marketing agencies can re-brand these solutions and sell them as their own, or independent businesses can use a white label SEO reseller solution solely for their own purposes.
While SEO may have been a relatively unknown strategy for online visibility in years past, every business is now looking for ways to boost their SEO.
With people around the world using search engines to look up their every need, businesses in all industries are recognizing that they need to be the first name that comes up in the search results.
Another advantage of SEO is that it gives businesses visibility on Google and other search engines without paying for AdWords campaigns or PPC services.
Boosting SEO focuses on improving the content on the website so that it appears in the top results organically, rather than through paid efforts.
There are different varieties of white label SEO options. The white label company may offer managed fulfillment, in which they monitor business clients' SEO and continue to optimize it as much as possible.
Alternatively, the company could offer white label SEO software so that business clients can manage their own SEO optimization.
In either option, there are a few key services that are essential to optimizing SEO. The best white label SEO solutions will first focus on content creation and optimizing a business's services pages to rank for key terms. They will provide regular updates and accurate documentation of the SEO process so that you can stay informed.
Many companies will also have a unique dashboard that gives you frequent reports to demonstrate the progress and results of the SEO efforts.
The right company should be able to give you details on the key benefits of improving your SEO and break down the entire process for you.
Clients are found more easily when they make efforts to optimize their SEO, which means that they will get more visits and make more sales.
By having a white label company manage your SEO or provide you with the right tools, you don't have to worry about learning the complicated ins and outs of SEO and can instead have the experts do the work for you.
#7: White Label Chatbots
Customers want a fast and convenient way to contact a company with any questions or issues they have, and chatbots are proving to be the way to do that.
In a 2017 worldwide Statisa questioning, 34% of respondents said that they would prefer to answer questions from artificial intelligence via chatbots or a virtual assistant when engaging in e-commerce.
A white label chatbot, or other form of virtual assistant, allows users to take advantage of a trusted program and use it as their own.
For digital marketing agencies, using a white label chatbot gives them a unique product to offer their clients. Unlike some more intricate digital marketing solutions, it is simple to see that chatbots can easily lead to increased sales through a company's website as it provides unrivaled convenience for customers.
For startups or individuals with their own website, developing the appropriate software for a working chatbot can be complicated. However, these small-scale businesses don't have to miss out on the chatbot market just because they don't personally have the necessary know-how.
By using a white label service for their chatbot needs, these small businesses can still provide easy communication with their customers.
For any business in any industry, an easy-to-use chatbot can make a huge difference in customer support and CRM systems.
They also show that a business is with the modern times and invested in the latest technology, rather than stuck in the digital marketing past.


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A definition of superstitions is as follows: "A widely held but irrational belief in supernatural influences, especially as leading to good or bad luck".
When our brain can't fully explain something we search for a likely explanation. In 2010 as study found that superstitions can sometimes be seen to work due to the fact that merely believing in something can motivate or improve a task. There is a psychological phenomenon in which used to explain that people are more likely to recall events that fit an explanation. If you believe in something you will see it as a reasonable explanation for the events that occur around it! Here we will look at some of the most common superstitions and possible explanations.
BEGINNER'S LUCK – when attempting a new sport or game for the first time the 'newbies' don't have the stress of needing to keep up a previous level of achievement, and anxiety to do well by others can inhibit their performance. As beginner's luck is a well-known saying, we might just be tempted to believe that it will happen.
WALKING UNDER A LADDER – said to be first based on a Christian belief of the Holy Trinity. Placing a ladder against a wall creates a triangle and to pass through it is seen as breaking the triangle and therefore blasphemous. This has passed through history and many people will always cross themselves and walk round rather than through it to ward off the devil!
BLACK CAT CROSSING YOUR PATH – with cats being highly revered since ancient Egyptian times, cats have always been associated with mythological roles and especially witches and witchcraft. It was believed that witches would take on the form of black cats in order to move around unnoticed in the dark when spying on people and casting spells. This theory is enhanced by the fact that cats do have a habit of pausing mid step and staring at you, as if they know your darkest secrets!
GOOD AND BAD LUCK COMES IN THREES – if 2 things go right or wrong in quick succession, chances are you will be expecting a third thing to follow before too long. People believe that once this third thing has happened this will be the end of the run.
WISHBONES – it is believed that the tradition of pulling a chicken or turkey wishbone dates back to first century Romans who would fight over the wishbones following a feast as they believe that they were lucky talismans. They would grab for them and they would break and it was thought that the person who got the largest part of it could make a wish that they thought would come true. Hence the name 'wishbone'. That tradition is quite common to this day. The power of the bones is also linked to early fortune-tellers who would cast, or throw, the dried bird bones in order to foretell the future.
FRIDAY 13th – there is even a word for people who dislike or are afraid of the evil powers of Friday 13th – FRIGGATRISKEVIDEKA. A study by the Stress Management Centre in North Carolina found there are about 17 million people who have a fear of the date. This fear is compounded by the explanation that if something bad happens to you on that date you will remember it, while you won't remember all those previous Friday 13ths when nothing significant happened!
GOOD LUCK CHARMS – talismans and amulets have always been seen as objects that draw good luck towards the owner or wearer or to ward off bad luck. This can be traced back to Celtic tribes in ancient Britain. Crosses and garlic are believed to keep vampires away, while rabbits foot charms are believed to attract good luck. In other countries, such as Africa, voodoo and witchcraft are an accepted practice and are strongly based on charms for good and bad luck and used mainly in the casting of spells or calling up spirits or the devil.
Unfortunately the only way you can rid yourself of dependency on superstitious beliefs is to remain positive and ignore them. If you find nothing bad happens you've overcome it. However, will you still follow them to attract good luck?
Author: Chrissie


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- Minnie is one of Mzansi's sweetheart celebs who values her fans to the highest degree
- Her success story has inspired many and she was recently reassured of that
- Taking to social media, Minnie shared the special moment that validated her existence and purpose as a celebrity
PAY ATTENTION: Click "See First" under the "Following" tab to see Briefly.co.za News on your News Feed!
Minnie Dlamini Jones is undoubtedly one of South Africa's sweetest and most successful celebs. The glamorous media mogul has a big heart and she appreciates her fans deeply.
Nothing came easy for Minnie. She has worked hard to get to where she is today. Minnie's insane work ethic and clean social status are extremely inspiring.
Briefly.co.za has seen how Minnie has inspired many young women over the years with her inspirational journey to success.
PAY ATTENTION: Our Favorite Celebrities Who Wouldn't Go Nude On The Big Screens
Taking to social media, Minnie recently reminded us why she is loved by so many. She shared a special moment that she shared with a fan at SA Fashion Week; it will give you the feels.
A fan approached Minnie and told her what an inspiration she is to her daughter. Minnie was overwhelmed by this as she received confirmation that her purpose was being fulfilled.
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All Minnie wants to do is help people be the best version of themselves that they can be, and it looks like it's working. Gurl, you are such a blessing!
READ ALSO: Who made DJ Sbu the spokesperson for Africa? Oh wait, he did
READ ALSO: Then And Now: Amazing Transformation Of The Game Of Thrones Cast
Minnie is one celeb who always takes the time out to show her gratitude to the people who made her fame possible, her fans.
Enjoyed reading our story? Download BRIEFLY's news app on Google Play now and stay up-to-date with major South African news!


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How to combine video files online
Whether you're making a home video montage or a carefully crafted promotional video, the ability to combine video files is essential.
Merging multiple videos together into one is a powerful way to create meaning for your audience. Director Alfred Hitchcock famously showed the power of combining footage in this amusing demonstration of montage technique from 1964.
Clipchamp gives you this power to knit separate segments into a new single video with just a few clicks and here's how.
Combining video files online for free with Clipchamp Create
Step 1: Open an account
If you haven't already, open a free account at app.clipchamp.com/signup to combine video files online with our video editor. It is getting used by millions around the world for their video projects and includes all the basic tools such as splitting, rotating, cropping and of course merging MP4 and other video formats such as MOV and WebM.
Just use your Facebook or Google account to register with one click. Alternatively you can also sign up with an email address.
Step 2: Getting started
Now it's time to create your first project in Clipchamp Create!
Click 'Start a new project':
Next, you can choose a name for the project and select the best aspect ratio. If you're putting videos together for an Instagram post that would be 1:1. For a short film the cinematic 21:9 ratio will work better and for websites and YouTube videos, 16:9 is the one to select.
Step 3: Add the videos you want to merge
Once you've signed up, click 'Add Media' to import video files into your new project:
You can either drag and drop videos from your computer or click 'Browse my files' to select videos in the Finder/Explorer window. In addition to your own, you can also add professional stock media into the project through our built-in collection of more than 100,000 assets.
With Clipchamp, you can work on files in your browser without the need to upload them to any servers first, so your videos are available to work with as soon as you add them to a project in the clip combiner and editor!
Step 4: Drag your videos to the timeline
One of your videos will appear in the timeline at the bottom of the screen automatically, then you can drag others down. You should see the timeline highlighted once the video is in the right place:
Keep doing this with as many videos as you like, until you have all your shots assembled one after the other in the sequence you're after!
Step 5: Rearranging your videos
If the videos need to be reordered on the timeline, simply drag and drop to get them to the right spot:
Make sure you drag the rearranged videos back to the start of the timeline. This will ensure there's no blank space at the start when it plays:
When you're done, export the finished video and save it onto your computer:
. . .
And that's all there is to it – with just a few simple steps you can combine video files to create a new, longer one. Clipchamp's video combiner and editor works best in the latest version of Chrome and also runs on Chromebooks.


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UGG! I LOVE summer so much I always get a bit bummed when Labor Day rolls around. Anyone else relate? I get so much accomplished in the summer, as far as new ideas, and new products. ( I just finished a new quilt that I'm just giddy over... Stay tuned, it will be a few weeks as we get it quilted up and the products and patterns ready)
One of my other finishes this summer tough, is my MAJESTY template and HER MAJESTY quilt pattern!
This Majesty quilt block, as all of my template sets, have many variations in the way you can sew them together. I love that you can make more designs with one template set, then you can with some other quilt blocks.
On the left is shown as it is in the Her Majesty Quilt.
I love this one! Will you have it with you in Chaska? I'll see you there!
Love this one Victoria… it's the colour plan that grabs me! The summer heat and so much sunshine and now the hurricanes, and hints of fall… all wrapped up in this palette. Wondering about a seaside variation in greens and blues with hints of mauve. Love the curves as always. Enjoyed seeing your work at the Schweinfurth! bethany
Love this and the variety. Looks like I have another quilt on my list!
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The Successful Learning team aims to lift early literacy through a "braided rivers" approach to research, which weaves Western science knowledge with traditional Māori epistemologies to gain the best outcomes for children. Four interconnected projects examine how literacy is achieved through an interdisciplinary and cross-cultural perspective.
Project 1 is developing models to predict early difficulties with literacy that are relevant to New Zealand's diverse ethnic communities.
Project 2 will determine the feasibility, acceptability and appropriateness of an integrated intervention designed to accelerate Year 1 reading development for vulnerable children.
Project 3 aims to support the richness of "linguistic landscapes" for children who are bilingual in early childhood centres and Year 1 classrooms.
Project 4 focuses on how best to accelerate early literacy development in children with developmental disabilities.
For more information on this project, please read our Successful Learning Theme Final Summary Report, June 2019.
What we are doing
- Working in classrooms of ten primary schools in Christchurch, to co-construct and support the implementation of the classroom-based literacy intervention.
- Building strong community and stakeholder relationships between the research team and others, such as Speech-Language Therapists, Resource Teachers: Learning and Behaviour, those working in community-based projects such as the Linwood Wellbeing Cluster, and the local Pasifika community.
- Providing guidelines for fostering emergent bilingual children's language and literacy development in early childcare centres and primary schools.
- Using national datasets to improve the understanding of factors that support literacy success in diverse populations within New Zealand.
Team Snapshot
Associate Professor Brigid McNeill
School of Teacher Education, University of Canterbury.
Brigid McNeill, PhD, is an Associate Professor in the College of Education, Health and Human Development at the University of Canterbury in Christchurch, New Zealand. Dr McNeill is an international expert on literacy development in children with childhood apraxia of speech. Her prospective study of the validity and nature of childhood apraxia of speech has been supported by a Fast-Start Marsden grant from the Royal Society of New Zealand. Her research also focuses on developing and evaluating methods to better prepare teachers to support children's early literacy development. Dr McNeill is the theme leader for A Better Start – Successful Literacy and Learning theme.
Distinguished Professor Niki Davis
School of Education Studies and Leadership, University of Canterbury.
Niki Davis is University of Canterbury Distinguished Professor of e-Learning. She is recognized internationally as a leading expert in ICT in education. Sought by UNESCO, international agencies, and institutions for her expertise, she has over 200 publications. Professor Davis has recently published a book and is associated with the postgraduate course on Change with Digital Technologies in Education within the University of Canterbury Postgraduate Diploma of Education (e-learning and digital technologies). Professor Davis is a leading investigator on the Successful Literacy and Learning stream of the project, including the 'braid' of research on emerging bilinguals living in a digital world.
New research into early learning success builds children's resilience, cultural connectedness and wellbeing
The foundations of early literacy success and subsequent educational achievement and healthy wellbeing are developed in the early childhood period. New research funded by A Better Start National Start Challenge advances science at international levels and addresses an...
New research to get a better night's sleep for tamariki and their whānau
A new strategic research project with the aim of improving sleep for pepi and their whanau has been awarded $1.7 million over three years by A Better Start National Science Challenge. As well as improving sleep, this project also aims to reduce excessive weight gain...
Early literacy success is critical to children's wellbeing
A Better Start National Science Challenge team have been researching effective ways to accelerate early reading and writing success for children who enter school with lower levels of oral language. "Early literacy success is critical to children's wellbeing from many...
Related research
Facilitating emotional well-being and positive behaviour in children with literacy learning difficulties
Investigating how culturally responsive and research-based interventions can lift literacy in young readers.
Principal investigator: Dr John Everatt
Genetic diagnosis of Autism Spectrum Disorder
Developing a novel cost effective genetic screening technique to identify children with confirmed ASD from the cohort studies Growing up in NZ and Minds for Minds. By identifying children with ASD early, clinicians can then offer more targeted therapy.
Principal investigator: Dr Jessie Jacobsen


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Head of Underwriting x-sell - Mobi Banka
Key responsibilities:
- Manage the work of underwriting x-sell team
- Participate in development and implementation of credit pre-approval process
- Development and implementation of statistical scorecard define x-sell eligibility approach, rules and criteria for all products, risk indicators, methodologies, in accordance with credit risk policy and risk appetite
- Follow up of related NBS and law restrictions in area of credit risk, preparing and update of internal procedures and decision rules accordingly, ensuring alignment with regulatory framework.
- Creation the Underwriting Manual describing the steps of loan verification and loan disbursement for x-sell
- Credit Risk related reporting and data quality ensuring, including follow up on findings and constant improvement of the process
- Ensure that established and agreed KPIs are met
- Taking part at Risk committee
- Responsible for selection, training, guidance, monitoring and evaluation of employees; transferring the experience, knowledge and constant support
Educational and professional qualifications. Experience
- University degree (preferred in economy/finance/banking)
- Minimum 3 years of relevant experience and managing
- Excellent knowledge of financial markets, banking sector in Serbia, retail banking products, Retail Credit risk processes and principles, NBS regulations
Personal attributes
- Proven ability to build, manage, and motivate team
- Excellent analytical, process design, presentation and negotiation skills
- Results and execution focused
- Excellent knowledge of MS office
Please apply by 01.03.2020.


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Balcony Decoration Ideas (Garden Ideas) by Twinkle Khanna | Diy Videos | Tips by Twinkle Khanna
The 'Balcony', famous for that magical
first kiss, with a lots of magical first boyfriend! So, let's see how we can quirk up your
balcony! The first sign of addiction is denial. The second having a "Mini-Bar" in your balcony. If you don't recycle, forget the race. You're not even flagged off! We need space to sit and plants needs space to grow. It gets difficult, especially in crammed up cities like ours. So how about we just hang them up! Light up your balcony with these lamps by MEBELKART from AskMe Furniture. So step out and take-in that view. And let that quirked up balcony spend a little more time with you. Find the perfect furniture for your home, on mebelkart.com from AskMe Furniture!


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We use the mathematical notation < and > in our catalog descriptions. The symbol < means "less than" and is used in the context <100 stock; that is, an odd lot. Similarly, the symbol > means "greater than" and is used in the context >100 stock; that is, more than 100 shares of stock.
Last modified on Sunday, December 25, 2005


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I have a Galaxy Tab 2 10.1and I did a factory reset and now it's stuck on this screen that has some small writing at the top left corner and there is a pic of an Android, with the words... Downloading... Do not turn off target!! What does this mean, and what do i do?
Thank you!


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Wall Bed Company Sheepshead Bay Brooklyn NYC
A popular means of saving space is getting in touch with an expert in Murphy beds in New York City. For more than a century, the use of a retractable folding wall bed has made it possible for people to make the most of their floor space. These distinctive pieces of furniture, popularly called Murphy beds, provide convenience to those who want to make their room a spacious area. With the surging price of real estate, having Murphy beds in NYC makes great sense as a cost-effective choice for residents there.
Murphy Bed New York City
On top of conserving tons of space, Murphy beds in New York City offer many other significant benefits. Murphy beds will fit right in with the interior design of your home, and fit perfectly with your home furnishings you own already. They make fantastic guest beds, when there's no extra room. They discretely and easily fit in the wall or cabinet. Also, they can swiftly turn any room instantly into a bedroom that's comfortable.
Murphy Bed NYC
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Rico is from Puerto Rico, hence his name. He moved from New
York to Santa Ana as a kid, and got beat up every day because
of his accent. A Samoan gang (the Hoodlums) "jumped him in" –
beating him up in order to let him in the gang – because he had
"island blood" like they did. He was 13 years old at the time.
Sheryle also did time in jail – but not prison – and she she was on
probation, not parole. Because she was Italian she could be in
any gang; and so she jumped from gang to gang. They liked her
because she loved to fight, and was good at it.
Two months after Rico and Sheryle met, they asked me to
photograph their wedding. The other parolees threw them a party,
and a group of us went to the old Santa Ana courthouse.
They currently live in a van with their TV and a pit bull named "Felon."
Rico treats me like a brother.
- Copyright
- © 2014 patrick rogers, pat rogers studios
- Image Size
- 4752x3168 / 4.4MB
- Keywords
- Contained in galleries


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The Door You Select Determines Your Success
Who hasn't been hurt by the actions or words of another? Perhaps a parent who constantly criticized you growing up, a colleague sabotaged a project or your partner had an affair. Or maybe you've had a traumatic experience, such as being physically or emotionally abused by someone close to you.
Here's something to think about. Your pain may have been the result of an action (or non-action) by someone who had no intent to hurt you! What does this mean? Well, fundamentally, it means that we are allowing the words or actions of the past to affect our present circumstances.
Whatever your situation, these wounds can leave you with lasting feelings of fear, anger and bitterness — even vengeance.
But if you don't practice forgiveness, you might be the one who pays most dearly. By embracing forgiveness, you can also embrace peace, hope, gratitude and joy. Consider how forgiveness can lead you down the path of physical, emotional and spiritual well-being. Forgiveness can lead to:
- Healthier relationships
- Improved mental health
- Less anxiety, stress and hostility
- Lower blood pressure
- Fewer symptoms of depression
- A stronger immune system
- Improved heart health
- Improved self-esteem
How do I reach a state of forgiveness?
The act that hurt or offended you might always be with you, but forgiveness can lessen its grip on you and help free you from the control of the person who harmed you. Forgiveness can even lead to feelings of understanding, empathy and compassion for the one who hurt you. Now, that doesn't mean forgetting or excusing the harm done to you or making up with the person who caused the harm.
Being hurt by someone, particularly someone you love and trust, can cause fear, anger, sadness and confusion. If you dwell on hurtful events or situations, grudges filled with resentment, vengeance and hostility can take root. If you allow negative feelings to crowd out positive feelings, you might find yourself swallowed up by your own fear, bitterness or sense of injustice.
However, forgiveness brings a kind of peace that helps you go on with life.
Forgiveness is a commitment to a personalized process of change.
But fundamentally, the choice is yours. You can continue to stay in the state of life you're living in. But, I presume you're reading this because you'd like to achieve more in your business and your life. If that's true, then to move from suffering to forgiveness, you might try the following 6 steps:
- Take Responsibility
- Accept What Happened
- Separate The Person From The Act
- Work To Release Your Emotions
- Step In The Other Person's Shoes
- Opportunity
The first step in forgiving is to take responsibility for your emotions—not necessarily responsibility for the situation, but how it made you feel. Emotions are a choice. To forgive, you must recognize that it is your emotion and stop blaming others for how you choose to feel. Pain is real, but suffering is a choice.
Whatever happened, happened. You cannot change the past. Accepting what happened allows you to move from the past to the present. Healing happens in the present. This doesn't mean you have to forget what happened, but dwelling on it or wishing it had been different doesn't serve you. Accept it, learn from it, and begin creating the future you deserve.
So many people hold onto anger and animosity toward someone who has been dead for years, or one group of people is hostile toward another for something their ancestors did generations ago. This can end up being a waste of time and energy that could be used elsewhere.
One of the most important parts of forgiveness is to separate the person from the act. There are many acts which can never be forgiven: murder, rape, child abuse, etc. However, you can always forgive the person who committed the act. Focus your forgiveness on the person, not what was done by the person.
Whatever emotions you are still feeling—anger, sadness, fear, guilt—are the stress and toxicity locked into your physiology, diminishing your quality of life. Take some time to be quiet, be aware of the emotion mentally, and then feel it physically in your body. It will show up as some pain, tightness, or other discomfort. Now, do something physical to release the sensation. This could be jumping, running, shouting, or breathing forcefully. Whatever you do should require some effort. Imagine you are forcing that sensation out of your body.
Next, see if you can begin to understand why this person might have done what was done—what was going on in that person's life at the time. Maybe put yourself in that person's shoes and ask yourself, "What would it have taken for me to do that? How much pain and suffering or distorted thinking would I have had to be experiencing to do that?" Remember, everyone, including you, is doing the best they can from their level of awareness, no matter how confused that might have been at the time.
Every experience or situation holds the gift of an opportunity for growth. If you view life as problems, you miss these gifts. No matter how dark the experience might have seemed, look for the opportunity. Your spiritual strength and awareness comes from seeing the opportunities.
As you observe, evaluate and then let go of your grudges, you'll no longer define your life by how you've been hurt. You can begin controlling your thoughts proactively which can lead you to taking the appropriate actions to get you the results you want.
And it just might even allow you to find compassion and understanding. And these feeling go a LONG way to serving your needs and your customer's needs too.


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Reelz Sets 'Kennedys' Airdates
ReelzChannel officially announced the airdates
for The Kennedys miniseries, which
premieres April 3.
The eight-part movie will debut episodes one and
two on Sunday, April 3 at 8 p.m. ET/PT. The third through sixth episodes will
air Tuesday, April 5 through Friday, April 6 at 8 p.m. The final two episodes
will air on Sunday, April 10 starting at 8 p.m.
Reelz had originally planned to air episodes
three through six Monday-Thursday,
but tweaked the schedule to accommodate for the NCAA Men's Basketball
Championship Game on Monday, April 4. It also moved the airdates up an hour, to
8 p.m.
The independent network picked up the
controversial miniseries after it was dropped by History channel Jan. 7 with
the network saying it was "not a fit for the History brand." Reelz is part of
the family-owned Hubbard Media Group.


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the average response for someone who is reclusive to be all of a sudden outgoing and social depends on how this "changed" person's new behavior is like. If it's a behavior thats arrogant or extremely annoying, then obviously no one is going to like you. and also, it depends on the crowd a lil bit as well. i guess if you really want to become social its all about adapting to the people you're socializing with.
Nope, you're not just being paranoid. Draw the line, and don't worry about "losing her" - I know, I know, easier said than done. But that's kind of the whole point of drawing lines and having clear boundaries - when someone crosses them, you're done. Not just because they did something you didn't like, but because they showed that they don't respect you.
Henlo I am looking for a bf nobody over 3.
I agree with tony ... if it was a one-night stand type deal - whatever, its just sex ... if it was an affair of considerable length - dump his ass ... to me, ##### doesn't amount to cheating ... emotional involvement w/ someone else does.
I am an older guy who was once young and in a similar situation, but with bigger age differences in years, each time, she about half again my age.
I'm a down to earth guy .not with drama and the crazy stuf.
I never been in this situation before...for those who have, did it affect your friendship? How did u handle it? Basically, I arranged a double date that involved me, my friend A, my bf, and his friend B. My fiend said she liked B so I arranged a second double date after. B asked for my friends number then and they both went on 2 more one on one dates...so they went on total 4 dates each a week apart. My friend really likes him, says he has the persoanlity she been looking for but never found until now..she said he is also the most good looking guy she ever met in years.
Wow. Lefty is amazing
Are you able to go to the earlier dance too?? I don't think it would bother ME if he had already planned on taking someone else, and I wouldn't be able to go anyway...
"I seen seven a couple years ago.Pictures are accurate and she delivers. Only thing that stops me from seeing her again is long drive to her incall.
I like to read, watch movies, I have been told I am a workaholic I am not too proud of that one but thats me, I do alot of shopping to make up for the work. I am a family oriented person if I am not.
I am a loving caring person and a good friend I have compassion, I am a good listener and I also love to cuddle and make lov.
holy mackerel
plump thick curvy blonde
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text:
Calibration Best Practices
Accurate calibration is of key importance for performance most machine and computer vision tasks. This article goes over the best practices that we have found through extensive experimentation over the years.
- Choose the right size calibration target. Large enough to properly constrain parameters. Preferably it should cover approx. half of the total area when seen fronto-parallel in the camera images.
- Perform calibration at the approximate working distance (WD) of your final application. The camera should be focused at this distance and lens focus should be unchanged after calibration.
- The target should have a high feature count. Using fine patterns is preferable. However, at some point detection robustness suffers. Our recommendation is to use fine pattern counts for cameras above 3MPx and if the lighting is controlled and good.
- Collect images from different areas and tilts. Move the target to fully cover the image area and aim for even coverage. Lens distortion can be properly determined from fronto-parallel images, but focal length estimation is dependent on observing foreshortening. Include both frontoparallel images, and images taken with the board tilted up to +/- 45 degrees in both horizontal an vertical directions. Tilting more is usually not a good idea as feature localization accuracy suffers and can become biased.
- Use good lighting. This is often overlooked, but hugely important. The calibration target should preferably be diffusely lit by means of controlled photography lighting. Strong point sources give rise to uneven illumination, possibly making detection fail, and not utilizing the camera's dynamic range very well. Shadows can do the same.
- Have enough observations. Usually, calibration should be performed on at least 6 observations (images) of a calibration target. If a higher order camera or distortion model is used, more observations are beneficial.
- Consider using uniquely coded targets such as CharuCo boards. These allow you to gather observations from the very edges of the camera sensor and lens, and hence constrain the distortion parameters very well. Also, they allow you to collect data even when some of the feature points do not fulfil the other requirements.
- Calibration is only as accurate as the calibration target used. Use laser or inkjet printed targets only to validate and test.
- Proper mounting of calibration target and camera. In order to minimize distortion and bow in larger targets, mount them either vertically, or laying flat on a rigid support. Consider moving the camera instead of the target in these cases instead. Use a quality tripod, and avoid touching the camera during acquisitions.
- Remove bad observations. Carefully inspect reprojection errors. Both per-view and per-feature. If any of these appear as outliers, exclude them and recalibrate.
Following these practices should ensure the most accurate and precise calibration possible.
Have any questions, comments or additional insights? Post them below.


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TACO is an intelligent Italian but you'd never know it. Always around but you'd never sense him. Operating from the side-lines and speaking only in one-liners, he can get you to do anything he wants without your knowledge. Using his intelligence and wit, he gets things done without doing anything. And he loves Macs. Just make sure you don't end up paying for them.
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real estate, bitcoin, cryptocurrency, condo, apartment, litecoin, ethereum, property, dubai, property for bitcoin, investment, property for crypto, uae, roi,
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When luxury brokerage Sotheby's International Realty announced in September it had facilitated one of the first U.S. home sales for bitcoin, the dollar value of a single bitcoin equaled $3,429.
Since the sale of the home in Austin, Texas, for which the sales price was never disclosed, the value of a single bitcoin—a cryptocurrency backed by an online ledger called the blockchain—has quadrupled to over $13,800 and turned a swath of early adopters into millionaires in a matter of months. At one point earlier this month a single bitcoin was worth as much as $19,200.
One of the first purchases people make with their bitcoin windfall: A home, experts say.
"Real estate is the first impact I see for this nouveau riche," said Joe Kelly, who co-founded Unchained Capital, a startup that allows bitcoin owners to borrow against their cryptocurrency.
The process is fairly straightforward for the homeowner involved in a blockchain currency transaction. It's the buyer who faces more nuance as he or she weighs the tax implications and other considerations before trading their coins in for square footage, experts say.
In Miami, for example, a financier is seller a 950-square-foot Miami condo with a price of about 60 bitcoins, said Douglas Elliman broker Dean Bloch.
"My seller has been in finance for the past 25 years and he's decided to sell this place just for bitcoin," Mr. Bloch said.
The seller owns three other homes and is using the sale of the Miami condo as a way to acquire cryptocurrency, the agent said.
Once they get a suitable offer, the transaction works like an all-cash purchase, but instead of using bank accounts, the buyer transfers bitcoins to the seller's digital "wallet," which takes about 15 minutes.
The seller would also need a lawyer at the closing—who might accept fees only in dollars rather than bitcoin—and/or find a title insurance company to underwrite the sale, Mr. Bloch said.
A two-bedroom condo traded hands in December for 17.741 Bitcoin, or the equivalent of $275,000 in what Brown Harris Stevens agents Stephan Burke and Carol Cassis said on social media was the first "bitcoin to bitcoin" real estate transaction in the U.S. In past sales that involved bitcoin, the buyer converted the cryptocurrency to fiat through websites like Coinify or Bitpay before closing the sale.
Sellers accepting bitcoin, however, should keep a sharp eye on the daily fluctuations in the currency's value due to its volatility. They can hedge against potential devaluation by adding a bitcoin premium to the asking price.
By contrast, the nouveau riche looking to get something tangible out of their cryptocurrency investment have a bit more to consider.
If a seller won't accept bitcoin outright, then a buyer needs first to sell to a third party for U.S. dollars, euros or another fiat currency.
Property site Redfin reports that its brokers have facilitated a number of deals where buyers sold bitcoins to make the down payment. For instance, one buyer sold two coins, each for over $7,400, to make the down payment on a home in Carlsbad, California.
Not every exchange has gone so smoothly, however. Redfin Agent Carina Isentaeva, based in San Francisco, saw a deal for a luxury home in Silicon Valley fall through when the client couldn't sell bitcoins in time to make good on his offer.
Even a direct exchange of property for bitcoins holds tax implications a buyer should consider, said Robert W. Wood, a San Francisco-based tax lawyer.
The U.S. government recognizes bitcoin as property and officially under the new tax law starting Jan. 1, 2018, anyone trading cryptocurrency would trigger a capital gains tax.
Mr. Wood compared buying property with cryptocurrency to trading IBM stock for a new home. The home buyer would pay roughly 20% in capital gains tax and another 3.8% net investment tax on the amount their bitcoins had appreciated since they first bought or mined for them. That could be one doozy of a tax bill if the trader got into the crypto game when infant bitcoins were worth less than a dollar.
To read full article:
You read that title right. In a PR stunt of the decade, a real estate company called Aston Plaza Crypto is riding the Blockchain mania in Dubai and has partnered with BitPay to sell property for Bitcoin in Dubai's Science Park, a district 20 minutes away by car from downtown Dubai.
It looks like 2017 is shaping up to be the year of crypto: first, we had Paris Hilton advertising ICOs, and now we have apartments being sold for cryptocurrencies in Dubai. I think we can all agree that Bitcoin is finally hitting mainstream audiences with all this news.
Currently under construction, the 250 mln sterling pound project is set to be home to two towers and a mall. The 40-floor towers will include luxury studio apartments as well as one and two bedroom open plan apartments. As of this writing, the cheapest studio is going for 28.15 BTC (approximately $127,500), while the largest two bedroom apartments are selling for around 75 BTC.
Aston Plaza is a joint venture between the Isle of Man based Knox group and Baroness Michelle Mone, a British member of the House of Lords. In an interview with CNBC news, the Baroness said that Bitcoin is "the currency of the future."
She added:
"I think because everything is logged and registered, everything's transparent, that I wouldn't be getting involved in it — especially from the House of Lords element, I'm a Baroness — so I wouldn't be getting involved in it if it was a kind of 'dodgy' industry."
By mimicking a real-life ICO, the joint venture has offered up to a 20 percent discount on these under-construction properties to early birds paying in Bitcoin. Of the 1,133 apartments, 480 have already been sold in fiat, while the remainder are up for grabs for Bitcoin enthusiasts.
Across the globe, the business behind real estate has always been traditional and boring, but this is all about to change as more and more countries are looking into testing a way to buy and sell land and house deeds more securely and efficiently on the Blockchain.
Aston Plaza is not the first to take advantage of the Blockchain's hype factor for real estate. Take Omar Kassim for example: In 2011, he founded JadoPado, a UAE-based e-commerce platform that was recently acquired by the Dubai billionaire Mohammad Al Abbar as part of an effort to launch a competitor to Amazon in the Middle East.
Today, Omar is working on an open source real estate asset management business platform called Esanjo.
And Omar is not the only one. In fact, there have been rumors that Smart Dubai, the initiative created by Dubai's ruler, Sheikh Mohammed Bin Rashed, is working on a way to transfer property ownership directly over the Blockchain.
To Read full article:
Despite warnings of a bubble and massively fluctuating values, bitcoin continues to fascinate investors and new industries. And now the housing industry is starting to dip its toes into the water.
One Miami condo seller is only accepting Bitcoin offers, while online real estate brokers say several other listings are willing to accept bitcoin as a payment option. (A residential/commercial property in the Isle of Man is also accepting the digital currency.)
But how many bitcoin does it take to actually buy a house? The national median home price in November 2017 was $248,000. Using the midday price of bitcoin (as reflected on CoinDesk) on Jan. 15, that works out to 17.65 bitcoin.
National averages aren't a lot of good in some areas, though. We gathered median prices for November 2017 in a number of states and cities to find out how much home your Bitcoin would buy.
San Francisco – $1.588 million (per Paragon Real Estate Group) / 113 bitcoin
Seattle – $725,000 / 51.6 bitcoin
Los Angeles – $583,000 / 41.5 bitcoin
Washington, D.C. – $550,000 / 39 bitcoin
Phoenix, AZ – $243,000 / 17.3 bitcoin
Connecticut – $247,500 / 17.6 bitcoin
Florida – $240,000 / 17 bitcoin
Illinois – $185,000 / 13 bitcoin
Iowa – $153,250 / 11 bitcoin
Kansas – $200,451 / 14.3 bitcoin
Maine – $200,000 / 14.2 bitcoin
Massachusetts – $384,000 / 27.3 bitcoin
Michigan – $182,761 / 13 bitcoin
Missouri – $190,050 / 13.5 bitcoin
New Jersey – $300,000 / 21.4 bitcoin
New York– $254,000 / 18 bitcoin
Ohio – $174,689 / 12.4 bitcoin
Texas – $213,396 / 15.2 bitcoin
Utah – $277,000 / 19.7 bitcoin
Vermont – $221,000 / 15.7 bitcoin
Virginia – $270,000 / 19.2 bitcoin
Washington – $363,200 / 26 bitcoin
Article by Fortune:
Bitcoin in Dubai real estate: is it here to stay?
It made headlines around the globe when Dubai became one of the first in the world where residential real estate could be bought and sold in bitcoin or similar digital currencies. In September, the Aston Plaza and Residences development in Dubai Science Park began offering off-plan studios and one- and two-bedroom units starting from around 30, 50 and 70 bitcoin, respectively. This was at a time when one bitcoin was worth around $4,940 (Dh18,142.15).
After the massive year-end rally of bitcoin, the most expensive unit in the development, a 132.6-sq-m, two-bedroom residence on the 31st floor, had an off-plan asking price of just 21.97 bitcoin as of December 11, which is equivalent to $376,000. "Prices in bitcoin vary because they're pegged to the US dollar and are updated in real time," explains Michelle Mone, a businesswoman from the UK and partner in the project led by British property management and investment holding Knox Group of Companies.
This, in fact, makes her online bitcoin price list look more like stock market prices rising and falling continuously. However, Mone says that paying in bitcoin for this development is just an option for a limited number of apartments. The offer is meant to open an avenue for the cryptocurrency community to divest some of their bitcoins into tangible, physical assets. Depending on demand, there will be more units to be offered in bitcoin, says Mone.
For the developer, the risk of dealing with bitcoin payments is minimal as payments are converted immediately to US dollars after the deal is closed. The transactions for the Aston Plaza development are done via US-based bitcoin payment service provider BitPay.
More recently, MAG Lifestyle Development said it is ready to accept payments in Islamic cryptocurrencies, including OneGramCoin. The developer also announced last month a 5 per cent discount for "digital" buyers in any of its eight current real estate projects.
There are two drivers that open the real estate market for bitcoin. One is that more progressive cities all over the world are beginning to adopt laws to allow the technology to be used in property deals, or do not set regulations hindering digital currency payments at all. Apart from Dubai, these cities include New York and Miami, selected cities in Europe, particularly London, as well as Australia, New Zealand and some in the Caribbean.
The other driver is the emergence of brokers and bitcoin exchange portals where members now offer real estate for bitcoin. Some realty companies, primarily in the US, are also experimenting with cryptocurrencies for purchases and rent payments. Their main target are millennials or generally people who grew up in a digital environment, i.e. tech-savvy and those who own substantial bitcoin.
Lev Loginov, co-founder of family office London Wall in the UK capital, made headlines in November by offering a $23-million mansion near Portobello Road in Notting Hill, an affluent neighbourhood in West London, to be paid only in bitcoin. Requests for viewings came almost exclusively from people under 30 years old, most of them of Asian descent. "Most of them made money from mining cryptocurrencies and basically they're looking to acquire assets," Loginov told CNBC in an interview, adding that accepting bitcoin also helps attract young affluent millennials to property investment.
The first real estate broker to take up cryptocurrency in New York, sells condominiums in Liberty Toye, a new Lower East Side development, for between $700,000 and $1.5 million in bitcoin. Ben Shaoul, president of New York broker firm Magnum Real Estate Group, has no reservations accepting cryptocurrency, but admits it is mainly a progressive marketing tool to gain an edge on the competition. "Over the next five or 10 years, I could see up to 25 per cent of real estate payments being made in bitcoin or a similar digital currency," Shaoul said.
Online portals that facilitate real estate purchases using bitcoin have been popping up, with one of the largest, bitcoin-realestate.com, marketing real estate payable either in US dollars or bitcoin and two other popular cryptocurrencies, ethereum and litecoin. The portal offers a wide range of choices, from a beach villa in Costa Rica to a city condo in Bangkok, a mansion in Scotland, a French chateau, a Hong Kong penthouse or an ocean view apartment in Curacao.
That said, bitcoin has also emerged as a tool for buying big-ticket items, and as such has piqued the interest of the wealthy. Bitcoin has also emerged as a cheaper alternative to transfer large sums of money, avoiding fees and complicated and sometimes protracted transactions in traditional channels.
As bitcoin bypasses banking networks, transaction fees are as low as 1 per cent and transfer time is reduced to a few minutes. There is no paperwork and the transfer of value across the globe is frictionless and instantaneous, which means a buyer from Dubai could sign a contract for an apartment in London or a Tuscany farm mansion with a mouse click and without the need for currency conversions, banks and agents.
This convenience has awoken the interest of realty agents and real estate administrative bodies who are now looking closer into the advantages of blockchain technology, the nerve string of any cryptocurrency network. Some even believe that bitcoin will disrupt the entire industry when combined with smart contracts and blockchain-based data storage, which would radically improve transparency, speed and security of property transactions.
Here is where governments come into play to revisit the systems currently in place. The opportunity is that blockchain-based property transactions take away the need for third parties that currently make buying and registering real estate a cumbersome and costly process. As of now, real estate deals are paper-based and involve brokers, escrow agents, lawyers, notaries and banks; on the other hand, a blockchain-based process would allow people to transfer funds, property titles and data digitally, safely, reliably and far less costly in a convenient peer-to-peer manner. It also prevents forgery or malfeasance of any form as transaction records in blockchain are unchangeable.
"Blockchain will allow truly digitised property ownership and exchange, as well as data transfer," says Ragnar Lifthrasir, founder and chairman of the California-based International Blockchain Real Estate Association (Ibrea), one of the driving forces in the global adoption of blockchain in the real estate industry. "It gives real estate stakeholders more transparency, liquidity and profitability and enables the next evolution of the real estate industry."
In October, Ibrea presented at the World Blockchain Summit in Dubai, and the Dubai Land Department (DLD) is now developing a system that will record all local real estate contracts on blockchain, making the UAE one of the first two countries to do so, with the other being Georgia.
Dubai ultimately aims to secure all government documents on blockchain by 2020, and the DLD has been tasked with implementing blockchain to gain the confidence of global real estate investors. "Our aim is to unite all real estate and department services on a single platform," said Sultan Butti Bin Mejren, director general of the DLD, during the launch of its blockchain initiative in October. "We hope to complete our project in 2019-20."
The technology allows investors to verify property data that is backed by timestamp signatures, enhancing the transparency, accuracy and credibility of transactions, the DLD said. Buyers and tenants will be able to make payments electronically and not write cheques. The process would be completed in a few minutes at any time and from anywhere using a single platform, removing the need to visit any government entity.
article by Gulfnews.com
As the 16th edition of Cityscape draws closer, here's why now is a good time to buy
The 16th edition of Cityscape Global brings changes that could stir greater interest in the annual real estate expo. The most notable is the decision to allow developers to sell on-site. In what is a first for Cityscape, which will be held this year on September 11-13 at the Dubai World Trade Centre, developers of UAE projects will be allowed to sign sales deals during the show, which opens a new window of opportunity for both sellers and visitors. Furthermore, with residential prices now near the bottom of the current cycle, there are a lot of great deals now available in the market. Here are some reasons why it's a good time to buy in Dubai.
1. New REIT choices
There are a number of Real Estate Investment Trusts (REITs) that have entered the market this year. Consequently, a lot of new activity is happening in the REIT market, with several new products being launched or planned in Dubai and Abu Dhabi this year, according to Craig Plumb, head of research at JLL Middle East and North Africa. "The major attraction of REITs is that they allow small retail investors to participate in the real estate sector without the need to buy real estate assets directly, which is time-consuming, lumpy and relatively expensive," says Plumb.
JLL expects more REITs to be launched over the next few years focusing on sector-specific vehicles to attract investors looking for exposure to a particular asset class such as hospitality, logistics or education. "Dubai currently is the best market in the region for institutional investors, but it is limited by a lack of good-quality investment products on secure long-term leases," says Plumb. "If more products of this type were offered at the right price, there would be strong interest from investors."
2. Affordable housing
The availability of affordable housing options in the market attracts both investors and end users. Plumb says the shift towards the middle-income or affordable sector over the past few years is a positive development. "An increasing number of developers are launching projects in line with JLL's definition of affordable, i.e. Dh780,000 for two-bedroom units," says Plumb. "And the availability of more affordable housing in the market increases the attraction and competitiveness of the city."
A major issue now facing the market is ensuring that such housing units remain affordable by limiting purchases by investors. "The challenge to Dubai's position as a competitive global city is confirmed by a recent study from Rent Café, which shows that renters in Dubai currently spend an average of 39 per cent of their salaries on rents, making it the ninth most expensive of the 30 global cities covered in their report."
3. Off-plan deals
The past two quarters have seen off-plan surpassing secondary market sales by 30 per cent, which shows the amount of investor confidence in Dubai. "We have seen payment plans extended to post completion so buyers can pay up to 30 per cent after the handover of the keys, which enables them to get rental income to help cover the costs," says Laura Adams, managing director of Carlton Real Estate. "Others have put 70 per cent as final completion payment, which is in line with the amount banks are lending."
4. High returns
Dubai's property market offers attractive rental returns when compared with other places in the world. Richard Paul, head of residential valuations at Cluttons, says that even in a softening market, investors can achieve gross yields of between 6 per cent and 10 per cent. Additionally, financing for such investments are available at interest rates of around 4 per cent, which is competitive compared with interest rates offered in other markets around the world.
He explains that the Dubai property market is still a relatively high-risk profile option, but allows investors to achieve higher returns. "The risk profile of any investment defines what kind of yield returns it can offer," says Paul. "The real estate market in Dubai is a young market; investment options for expats manifested only in 2003, so understanding a market which has fast-changing cycles and influences can be challenging, but there lies the upside of the potential for greater return. When comparing Dubai with more mature markets with more predicable cycles, the potential returns are often lower."
Paul believes that Dubai can certainly offer excellent returns for investors, but only if investors fully understand the market.
"They must carry out necessary due diligence and look to seek out impartial professional advice," he says. "The present market is ideal for longer-term buyers with an investment outlook of five or more years, who are looking to purchase a property at the bottom of a pricing cycle. However, they need to be committed to the region.
"I would discourage speculative buyers who think they might make a quick profit by exiting in 12-24 months. I don't see a quick turn in prices in the short term, neither do I want speculative buyers upsetting market stability."
5. Community choices
Buyers in Dubai now have a wider range of property options. In recent years, several new projects have been launched in emerging as well as more established communities, and the government has also recently announced significant spends on the city's infrastructure.
Paul points to communities that are well developed and have good levels of infrastructure, roads and proximity to other facilities, including hospitals and schools. "Look for properties that have established and built-up surrounding areas," he says. "Locations that are fairly speculative will tend to have a lot of vacant space neighbouring them. As such, they can be affected by more supply surrounding them and unforeseen development changes, which could ultimately result in prices softening."
6. Expo 2020 and Vision 2021
"We hope that the Expo and Vision 2021 will bring the spotlight back on Dubai," says Paul. "In turn, hopefully we will see firms from around the globe consider expansion and relocation plans into the region. The hope is that this brings growth in commerce and employment opportunities and thus a flux in the population, which in turn will lead to an increase in demand for residential property and stability in pricing."
7. Upbeat trends
As the market tightens this summer, developers are offering attractive deals to win sales, says Sandrine Loureiro, operations manager of Rocky Real Estate. "Payment plans offering 20-80 or 25-75 schemes have become stretched to instalments over four and five years post handover," says Loureiro. "This is very attractive to some investors. Investors are now looking at quality versus price and location, as well as long-term returns.
"Master communities that are offering lifestyle and quality at a price such as Damac Hills, Nshama, Ellington and Azizi Riviera have received a lot of interest for their value-for-money products. Affordable products, which were not available before, have been launched by companies such as Danube, Azizi and Damac [wherein] clients can purchase a studio from Dh400,000 and a villa from Dh1 million. Owning property is a tangible, solid, long-term investment. Whether the markets go up or down, the asset is always there and offers a regular income, a holiday home or a safe haven."
Make the most of your Cityscape visit
Tips to help achieve your objectives at the show.
* Cityscape is the heartbeat of the real estate market not only in Dubai but also in the region. Like every event, preparation is essential. Following the announcements, checking the exhibitors and planning the visits, as well as registering for conferences and networking events, are of utmost importance.
* As the exhibition is big, it is better to visit the show, not in one day and squeeze everything in, but the entire three days with a proper plan according to your area of interest.
* This year we expect the buyers to show good interest, as there will be new launches. Buyers should have a shortlist of projects within their requirements and budgets. This will allow them to focus on their target properties for a better result.
* The event is also a place to see many real estate professionals. Meetings are intense and require attention. Marketing materials and logistics should not be left to the very last minute.
* The top reason to buy property in Dubai is the trust in the Dubai brand — it is a safe place with regards to political and economic stability. The city offers property ownership, great yields for investors, has a dynamic character and is safe to live in. The city always has new and exciting projects announced one after another. And being a business and leisure hub, it attracts people all around the world, which keeps the demand high.
Source: Ozhan Kalkan, country manager of REIDIN
Here are a few reasons for investors to consider committing to the Dubai real estate sector:
Expo 2020 is coming to Dubai
Dubai is hosting the next World Expo in October 2020. The Expo will attract approximately 25 million visitors from 180 nations. The announcement of the Expo in Dubai has boosted the off-plan property sector. Investors who are buying property near the Expo will receive a high return on investment. The Expo's duration is six months and millions of visitors will need to rent property. The rental demand will be high, enabling landlords the flexibility to increase rents.
Dubai seeks to become happiest city in the world
Dubai created the Ministry of Happiness in 2016. The primary duty of this ministry is to develop programmes and policies to improve the happiness levels of Dubai's residents.
High return on investment
Dubai's real estate market is maturing as the city's population is increasing each year. Investors aware of the growing demographic are wisely purchasing property to supply the boost in rent demand.
Dubai's tourism industry is booming
Dubai's economy incorporates tourism, trade, business services and other industries. The construction of new hotels and real estate projects is a direct result of Dubai's growing tourism industry.
The Museum of the Future
The Museum of the Future allows visitors to experience the future through cutting-edge simulations and interactive exhibits. The museum will include scientific conferences and offer advanced courses on new scientific achievements and trends. The museum will focus on solutions to the top three challenges emerging from climate change: water supply, food security and self-sufficient cities.
Low crime rate
The sense of safety is a major advantage of buying property in Dubai. Minor crimes are also unlikely. Do not worry if you accidently leave your wallet visible in your car. It is highly unlikely to be stolen.
Superior transportation routes
Dubai is continuously advancing its transportation infrastructure. The US-based Hyperloop One is creating an expedited transportation route between Dubai and Abu Dhabi. Hyperloop One prepares to launch the world's first operational Hyperloop system, allowing passengers to travel between the emirates in pods at 1,200 km per hour. The project's goal is to provide transportation from Dubai to Abu Dhabi in 12 minutes. Hyperloop One estimates that approximately 4,000 vehicles commute daily from Abu Dhabi to Dubai.
No annual property taxes
Investing in Dubai's real estate market is tax-free. Purchasing a commercial or residential property will not include taxes. Once the property is purchased, owners will not be obliged to pay additional taxes in the future.
Dubai's population is growing
Property project launches in Dubai are estimated to increase as its population grows each year. The Dubai Statistics Centre announced that Dubai's population in January 2016 was 2.4 million and will reach 5.2 million by 2030.
Gourmet restaurants, entertainment
Dubai offers unique experiences with desert safaris, luxurious spas, beaches, yacht communities, skydiving and water parks. The city is also known for its wide selection of gourmet restaurants from each region.
Article by Khaleej Times:


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text: Can You Work Out Too Much? Posted: Tue, Apr 3, 2018 Making sure that you get regular physical activity is an important part of maintaining good health, but how much is too much? You might be surprised to learn that it's possible to work out too much, although you shouldn't let that stop you from exercising on a regular basis. Find out more about how much exercise you should be getting for a healthy body. Importance of Physical Activity Being active on a daily basis helps prevent excessive weight gain, which lowers your risk of diabetes, heart disease, and other serious health problems. Exercise can also boost your mood and improve your emotional well-being while also helping you stay physically healthy. While there's no doubt that exercise is good for you, most people don't get as much physical activity as they should. However, it's possible to overdo it and get too much exercise, which could affect your physical and emotional well-being. How Much is Too Much? How much physical activity is too much? The answer to this varies from one individual to the next. There's no set amount of exercise that counts as too much for everyone since this depends on factors such as your goals and your overall fitness level. If you're exercising and feeling good both physically and emotionally, this means that you're getting the right amount. When are You Getting Too Much Exercise? How do you know if you've been working out more than you should? The best way for you to determine this is by listening closely to your body. Watch for signs that you're getting too much exercise and need more rest. These signs can include not sleeping well at night. For example, you might feel restless, wake up often during the night or have trouble falling asleep if you've been exercising too much. Too much exercise can also affect your mood. When you do too much, you might feel worse emotionally and experience higher levels of stress. You might decide to skip appointments or even miss work in order to make sure that you're working out. Keep in mind that too much exercise also often means that you're not taking enough time to rest or let your body recover from working out. Women who don't eat enough and do too much exercise are at risk of having amenorrhea, which means going with no menstrual cycle for at least a few months. This condition can increase the risk of developing low bone mass, which leads to a higher risk of fractures. What to Do If you've been working out too much, you should slow down and plan on taking rest days, so that you can recover both physically and mentally. You might also try meditating to lower stress and replace one or two days of more intense activities with calmer ones, such as yoga or stretches. Call us today at The Best U Now to schedule an appointment for 360 Wellness with Dr. Dorian Wilkerson or for a plastic surgery consultation. Tags: Work Out, Exercise, Health, Active, Body


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The harsh winter weather got us off to a late start! Many home sellers decided to wait until the weather improved before listing their homes for sale. This created some frustration among serious buyers who hoped to purchase while interest rates remain under 5%. Low inventory, especially in $600,000 and below range, resulted in bidding wars and homes going under contract in 3 weeks or less. *
The good news is that buyers are still out there! Serious buyers are still seeking our local communities due to the reasonable property taxes, exceptional school districts, and convenience to transportation.
In addition, the recent downturn in the stock market is leading investors back into the real estate market. As a result, there is a trend toward cash purchases of new homes and "fixer uppers". *
What does this mean for home sellers? Whether you are relocating, downsizing, retiring, or trading up, it is still a good time to list your home for sale.
In my extensive consultation with homebuyers, I hear the same questions asked frequently. Is this home a good investment for the next 5-10 years? What improvements have been to the home so I can avoid future costs?
What does this mean for home sellers? Today's buyers have a short-term focus—home purchases are no longer seen as a long-term purchase of the 'dream house'. Buyers seek neighborhoods with consistent property values, stable property taxes, and intelligent growth that can sustain these 2 factors. We are fortunate that our local communities still offer that stability.
In addition, buyers want homes with practical improvements, as well as cosmetic upgrades. Today's buyers are just as concerned with the age and energy efficiency of the roof, windows, appliances, and HVAC systems as they are with getting new kitchens and baths! In other words, buyers want the upgrades they pay for today in their house purchase to yield a positive return in a few years when they sell.
The buyers' focus on return on investment and cost avoidance in the home purchase makes a lot of sense. It can serve as a practical guide for home sellers. As you prepare your property for sale and evaluate your budget for home improvement, consider the following:
- If you are planning for a roof replacement, purchase a 40 year warranty roof instead of a 30 year
- If you are considering replacing your windows or waterproofing your basement, look for a contractor/manufacturer who offers a lifetime warranty that is transferable to a buyer
- Before purchasing new appliances, check the service repair histories for each brand and model to identify those that will have the longest life
- If your deck needs replacement, consider a maintenance free synthetic material that can usually be installed on existing concrete footings and support structures
- Professionally refinished hardwood floors will retain their value more than engineered wood flooring that fades, scratches and is too thin to refinish
- If your heating and air conditioning systems are near the end of their useful life, considering replacing them even if you don't plan to sell for a year or two. A recently installed HVAC system is a very important feature to a homebuyer.
Consulting with a Realtor can help you with these decisions. An experienced realtor can assist you with home improvement choices that will give you the best return on the sale of your property.
*Garden State Multiple Listing, www.GSMLS.COM
© 2018 Diane Belcuore
Posted on June 13, 2018 at 8:28 am by Diane Belcuore


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