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The Stolen Valor Act, passed by Congress in 2005, made is illegal for anyone to falsely claim, verbally or in writing, to have been awarded a U.S. military decoration. Last week, the Supreme Court ruled that the law was unconstitutional because it violated the First Amendment's protection of free speech. The ruling by six Supreme Court justices proved that they simply do not understand how lying works in real life.
Lies must lead directly to fraud
The majority opinion in United States v. Alvarez, written by Justice Anthony M. Kennedy and joined by Chief Justice John G. Roberts and Justices Ruth Bader Ginsburg and Sonia Sotomayor, said that the Constitution does not allow speech to be prohibited solely because of its content—the message or ideas expressed. In other words, people are allowed to say anything they want, with a few exceptions, including obscenity, child pornography, threats and fraud.
Kennedy points out that "the First Amendment requires that there be a direct causal link between the restriction imposed and the injury to be prevented." He says that that the government may restrict speech where "false claims are made to effect a fraud or secure moneys or other valuable consideration, say, offers of employment."
In other words, if a person lies to the Veterans Administration about receiving a military medal in order to receive higher disability benefits or a bigger pension, that's illegal. But if a person claims to be a hero in a public meeting, as Xavier Alvarez did, without receiving an identifiable benefit directly as a result of the lie, then it's not illegal.
Lies cause little harm
A concurring opinion was written by Justice Stephen Breyer and joined by Justice Elena Kagan. They agreed that the Stolen Valor Act was unconstitutional, but for different reasons. They believed that the law harmed First Amendment rights, and the government could achieve its objective of protecting military honors through other means. In other words, the Stolen Valor Act was the legal equivalent of swatting a fly with a sledgehammer.
The problem, Justice Breyer wrote, was that the Stolen Valor Act made the act of lying about medals illegal, without demanding that someone be harmed by the lies. Breyer stated:
As written, [the Stolen Valor Act] applies in family, social, or other private contexts, where lies will often cause little harm.
Lying about military honors causes little harm in social contexts? Excuse me?
James Montgomery's lies
My ex-husband, James Montgomery, told me that he had won the Victoria Cross, which is the Australian equivalent of the Congressional Medal of Honor, for his heroism in Vietnam. He claimed he was still in the Australian military, assigned to U.S. Special Forces. He showed me documents to back up his claims.
Montgomery didn't only make these claims to me. He was active in the local chapter of the Vietnam Veterans Organization. He was the keynote speaker at a Veterans Day ceremony, and twice I accompanied him as he told a classroom full of school children about his military service, including how sad he was when his buddies were killed.
It was all a lie. James Montgomery was never in the military.
Montgomery lied in a "family or social context." Did I suffer harm? You bet. James Montgomery took $227,000 from me, telling me the money was for his "businesses." He spent much of it entertaining other women. In our divorce, Montgomery was ordered to pay all my money back, plus $1 million in punitive damages for fraud.
Did I get the money? No—I only recovered $517. I had to declare bankruptcy.
I was not the only person Montgomery swindled. I know for sure that he took large amounts of money from at least five other women, and suspect that he took money from many others as well. I know of at least one businessman who lost $100,000. I know American Express tried to sue him, and many credit card companies wrote off his debts.
I also know that James Montgomery is not an isolated case.
Lovefraud Romantic Partner survey results
All sociopaths lie. And, as I discovered while researching my book, Red Flags of Love Fraud—10 signs you're dating a sociopath, 10 percent of respondents to the Lovefraud Romantic Partner Survey said that the sociopaths they encountered lied about being in the military or Special Forces.
So what happened to these survey respondents? Many of them lost money, just like me. The 114 survey respondents who said the sociopath they encountered falsely claimed to be military lost the following amounts:
- Under $5,000 18%
- $5,000 – $9,999 10%
- $10,000 – $49,999 25%
- $50,000 – $99,999 18%
- $100,000 – $499,999 19%
- More than $500,000 11%
What else happened to these unsuspecting targets?
- 32% lost their home
- 67% incurred debt
- 37% were physically abused or injured
- 44% had their lives threatened
- 28% considered or attempted suicide
- 26% had lawsuits filed against them
- 16% had criminal charges filed against them
Intention to mislead
Sociopaths lie about military service, and military decorations, intending to deceive, mislead and ultimately harm their targets. How does this work?
Most Americans have high regard for members of the military. We recognize that our men and women in uniform put themselves in harm's way to protect the rest of us. These brave individuals do the difficult and often deadly work of preserving our freedom and protecting our way of life. For that, we honor and respect them.
When sociopaths claim to be military, their goal is to assume the mantle of respect and honor that that we confer upon true members of the military. These predators portray themselves as military so that we believe they can be trusted.
I suppose there are some people who simply engage in idle boasting when they claim military honors, and their lies, as Justice Breyer wrote, cause little harm. But I'm sure that many, many military impostors engage in their reprehensible behavior with a distinct agenda. They are lying in order to pull off a scam.
But it is not necessarily a direct cause-and-effect relationship. The fakers don't necessarily lie to steal the benefits awarded to those who truly did earn the medals. Rather, the fakers lie to create a false perception that they are responsible and trustworthy, so that they can then steal money or other valuable commodities from the rest of us.
The justices' view of the relationship between lies and harm is simplistic. Sociopaths are extremely sophisticated in how they use their lying and manipulation to take advantage of others. And now, because of the Supreme Court's ruling, they can do it with impunity.


text:
TO: Rockland County Chapters NYSSPE Members and Friends
RE: 20th ANNUAL COLLEGE SCHOLARSHIP GOLF OUTING
Philip J. Rotella
Memorial Golf Course
Thiells Mount Ivy Road
Thiells, NY 10984
(Exit 13, Palisades Interstate Parkway)
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PROCEEDS: Proceeds of the event will go towards the Rockland County Chapter Scholarship Fund.
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McLaren Engineering Group
530 Chestnut Ridge Road
Woodcliff Lake, NJ 07677
If you have any questions, comments, requests, etc. regarding the golf outing, registration, event details, etc., please send them via e-mail to firstname.lastname@example.com or call Tom Broderick, P.E. at 845-353-6400.

subset: commoncrawl


text:
|Margaret Wilson: I know that your own struggle with staying balanced and healthy as a teacher inspired you to write The Well-Balanced Teacher. I can certainly relate to that struggle! Do you think there's something about teaching that makes it particularly tough for teachers to lead well-balanced lives?
Mike Anderson: I think that we, as teachers, pour our hearts and souls into our work, because we love to help others. As a general rule, teachers care immensely about their students and colleagues, and that caring takes an incredible wellspring of physical and emotional energy. We need to learn to take care
Of course, teachers aren't the only ones out there who struggle with balance and stress. Some business professionals are famous for pulling late hours at the office and never turning off their cell phones. Police officers and firefighters have incredible work-related stress. Many doctors are on call through weekends and holidays. But I do think there are some aspects of teaching that make it stressful in a distinctive way, and so I wrote the book to share strategies for staying healthy and balanced in this profession.
Margaret Wilson: Besides drawing on your personal experience, what kind of research did you do for this book?
Mike Anderson: My most important source of information was teachers themselves—I talked with hundreds of teachers all over the country about their struggles with staying energized and balanced. I also dug into the professional literature. I read a lot of books and articles on a range of topics that all helped inform my thinking.
Margaret Wilson: Did your discussions with teachers confirm your own experience? Did they lead to any surprises or new discoveries?
Mike Anderson: Actually, both happened. Talking with other teachers, I found that just about everyone struggles with balance in some form or other, which confirmed what I suspected. But what was surprising for me was the variety of sources of stress and disequilibrium experienced by teachers. For some, finding an exercise routine and eating healthfully at school is the greatest challenge. For others, finding positive collegial connections is the main struggle. Other teachers find it difficult to manage their time and the amount of work they have to do. I decided that the book needed to address all of these issues and more.
Margaret Wilson: I was struck by the fact that you go beyond the typical recommendations about spending more time on one's personal life. You also encourage teachers to make better professional choices and to hold onto their passion for teaching, and you offer advice on ways they can do that. Why do you think this aspect of self-care is so important for teachers?
Mike Anderson: Finding more time for personal endeavors is important, but we run the risk of disengaging from teaching if we focus all our energy on how to get away. It's vital to look for ways to keep yourself energized about your work. For example, one year I took myself off a scheduling committee (which I didn't have much positive energy for) and signed up for a committee about improving our adult community (which I had tons of positive energy for). I actually spent more time in committee work after the switch, but I enjoyed it a lot more.
Margaret Wilson: In my work with teachers recently, I've been hearing a lot about stress related to dealing with email, cell phones, and other technologies that blur the line between work and home. Do you have any advice on that issue?
Mike Anderson: The ability to take a call or answer email almost anytime, anywhere, is one of the great blessings and curses of the last ten years in teaching. If we don't set some boundaries, it's easy to let things get out of hand. When I was a classroom teacher, the policy I used was to welcome work-related phone calls only during certain hours (5:00–7:00 pm). Being clear about when it was okay to call made it okay that I didn't take school calls at other times.
I think it's a good idea to set work-free zones for yourself each day and each weekend. These need to be guilt-free chunks of time when you disengage from work (including email!) completely so that when you pick up again, you feel rested and recharged.
Margaret Wilson: One of my favorite parts of The Well-
Mike Anderson: It started because every spring I got frustrated when I realized that I didn't have enough time left to cover all the content I was supposed to teach. The year I kept track was one when, just before school started, teachers were given guidelines for how much time should be spent on various subjects per day (sixty minutes for reading workshop, sixty minutes for math, forty-five minutes for writing workshop, etc.). I added them up and thought they seemed unrealistic, especially considering that many of the things we do in school weren't accounted for: assemblies, field trips, fire drills, announcements . . .
So I started keeping careful track of how much time my students and I really had to cover the required content. I kept a simple log on the computer, and every time other school activities cut into time that had been allocated to instruction, I noted it. I also logged instructional time lost to snow days. At the end of the year, the results were striking! I discovered that I really didn't have enough time to teach all that I was supposed to.
That discovery was liberating for me. It allowed me to let go of thinking it was my fault that I wasn't getting everything in and to give myself permission to make decisions about what my students most needed.
Margaret Wilson: Speaking of not having enough time, one source of some minor professional stress for me is the stack of great books I've collected that I can't seem to find time to read. So what are your thoughts about why a pressed-for-time teacher should move your book to the top of her pile?
Mike Anderson: I shared the first draft of this book with a colleague, and she made the same point: "Mike, it's a great idea, but I'm not sure an overworked teacher is going to take the time to read a book about it!" As I revised, I worked hard to make this book practical and concise—my hope is that teachers can take something useful away from every page!
In the book, I cover what I think are the most critical areas for maintaining equilibrium in our lives as teachers: our basic needs (such as food and sleep); positive connections with others; feeling significant and appreciated; maintaining positive engagement with our work; and keeping a balance between our personal and professional lives. Important stuff! But I also tried hard to keep it light and easy to read and to include lots of real-life examples.
When it comes down to it, I believe all teachers want to do what's best for their students. Becoming more well-balanced ourselves will enable us to have the dedication, emotional reserves, and positive energy that our students need us to have.
Original Link: https://www.responsiveclassroom.org/article/ask-author-mike-anderson
Margaret Wilson talks with Mike Anderson about his new book


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Aug. 2018 – Intermediate Diploma – Filling in the gaps
I have been around horses for 30 years. I'm an assistant coach at the Riding For The Disabled, I worked for a major and well known horse feed company for 2 years and I also hold the Monty Roberts Introductory certificate of horsemanship, so have a wide horsey knowledge (in specific areas….).
The reason I am taking this course is because I have never owned my own horse, so there are some significant gaps in my knowledge and this course is definitely helping me fill in those gaps. I am learning lots (hence taking the time to really learn what's missing) and am really enjoying it, so thank you.
Sam – Wiltshire


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SMARTfit Physical Therapy Programs a Success at Rozina and Smith Physical Therapy
Recently, Rozina and Smith Physical Therapy installed the SMARTfit Trainer and found the technology 'incredible.'
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text:
Fall Flowers
Boomer's Bloomers & The Candy Factory captures the essence of the autumn harvest with their colorful fall flower arrangements. Radiant reds, rustic browns, and golden yellows are all perfect for this season. Having a party or get-together? Nothing adds more to a room than a festive fall arrangement. It's the perfect coversation starter! Whether you want to send as a gift or keep for yourself, Boomer's Bloomers & The Candy Factory can help with any type of fall flower arrangement!


text:
Author: William Kamkwamba and Bryan Mealer
Publisher: Harper Perennial
Release Date: 27 July 2010
Date Finished:
Buy | Borrow | Accept | Avoid
Challenges: 100+ Reading Challenge, Reading Resolutions, Hogwarts Reading Challenge, Non-Fiction Five,
The Short and Sweet of It
William Kamkwamba of Malawi had an affinity and knack for science from a very young age. After a famine causes widespread starvation and financial disaster, William can not afford to go to school, so he starts self-teaching at the local library. When he finds a book on windmills, he determines to build one himself - using nothing more than his own ingenuity, a library textbook, and garbage found in the junkyard.
A Bit of a Ramble
When people write about memoirs like this, reviews tend to focus on the person and what he/she accomplished more than on the telling of it: what he did is so amazing/inspiring/admirable/etc., the barriers she had to overcome were herculean, and so on and so forth. Let's get this part of the way: Kamkwamba is one awesome dude. The man created electricity out of trash he found lying around, he was entirely self-taught from library books, and he accomplished this amazing feat in a place most people couldn't survive. He is remarkable. Now on to the book itself.
The first half of the book sets the stage for the creation of Kamkwamba's windmill. In this section, readers are given access to life in Malawi, in particular a detailed accounting of one season's famine in which many people died of starvation and all suffered. I understand why this was done: it laid the foundation for the necessity of the windmill, the desperate circumstances in which Kamkwamba's family and the entire town lived; however, I found myself wishing I could just get to the windmill story, feeling I didn't need any more details to show me the harsh conditions of living in Africa. I seem to be alone in this feeling as many reviewers have said that they really enjoyed the day-to-day details included in the forward section. I think that while the backdrop is interesting, it's not what I was expecting with this book.
The section about the building of the windmill is pretty science heavy, but the details of construction are interspersed with what, to me, were the most moving portions. Kamkwamba may have been the brains of the operation, but he would not have succeeded without his two friends, Gilbert and Geoffrey. The idea of one genius boy building a windmill is heartwarming, but for some reason, the fact that his two friends - the only two people in the village who weren't actively insulting William and calling him crazy - actually helped build the windmill really hit my happy center. Envisioning three young boys running around a junkyard for parts, working together on this monstrous project, really captured my imagination.
The final section of the book quickly recounts Kamkwamba's life after people outside the village heard about his windmill. Obviously and deservedly, he received a lot of international attention, and through the aid of various people and organizations, he was able to go to good schools and continue his entrepreneurial inventions. This section just felt jumbled to me, no real depth to his experiences outside of his home village. And I just get annoyed when he's in America for the first time, and everything is all "the white man is so spectacular with his shiny things".
The writing took some getting used to for me. I'm thinking Kamkwamba and Mealer were going for authenticity: English as a second language style sentence structure, sentence length, and word choice. I get the reasoning, but I felt like this construction coupled with the piecemeal-ish writing detracted from my reading experience. I am most definitely in the minority here as I would hazard a guess that 99% of the reviews I've read have said that this is a great read and comes highly recommended. Perhaps it just wasn't my cup of tea.
The Filmic Connection
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If I've missed your review, let me know!
Rat's Reading; Word Lily; The Ya Ya Yas; Bookworm's Dinner; Starting Fresh; Booklust; The Zen Leaf; Find Your Next Book Here;
Big Thank You to TLC Book Tours for offering me the chance to read and review this book. For more information on this tour, including other blog stops, head on over to the dedicated page at TLC Book Tours.


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Chile is a long and narrow country, a country where the Andes Mountains and the Pacific Ocean are almost visible at the same time; this is how the idea of making three different wines from three large wine regions originated, as a trip which invites us on a journey to traverse Chile from North to South. Thirty wineries worked on three unique and different wines, three identities, three creative original approaches which give us flavors, textures and unique styles which allow us to recognize the characteristics and the unique personality of each Axis-Zone.
The challenge was to obtain an "identity of each variety": ten vineyards produced one Cabernet Sauvignon grown at the foot of the Andes Mountains, another ten wineries developed a Carménère produced in the center of the valleys and another 10 wineries produced one Syrah by the coast near the Pacific ocean.
Top Winemakers 2017 - Todos los derechos reservados


text:
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99 Mountain Ln is a 2-floor Single Family Home in BEACON. The building was built in 2001, has 5 bedrooms, and has 1,750 square feet of living space.
Regarding weather, the average summer temperature is 74.3°F, while the average winter temperature is 26.6°F.


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text:
Wizards, dragons, and burly people with swords. The fantasy genre is, from one angle, board gaming's biggest in-joke. We quest-scarred veterans may laugh knowingly at the retreading of certain 'classic' beats, but sometimes forget that there are those on the outside looking in. For those not subscribed to multiple Dungeons & Dragons podcasts the great virtues of fantasy can often be hard to find beneath the generic art, silly names, and online neckbeards sneering because they confused orcs with orks.
Bargain Quest's spin on the genre provides a grounding normally lacking from fantasy material. Like super popular train-em-up Ticket To Ride, it's taking an area of board gaming that sometimes trends towards sleep-inducing and injecting it with some life. Each player is the owner of a shop that operates like one you might find in D&D or any typical fantasy RPG. Your objective is to sell as much fine equipment to prospective heroes as possible. If this gear helps them to defeat a deadly monster, that's great! If not, at least you don't offer refunds...
Bargain Quest looks fantastic, with Victoria Ying's artwork teasing out so much character beyond the usual knights and rogues fare. The characters are refreshingly diverse. Each player even gets to pick their own little shop that folds out to become their player board! It feels cute without being twee, and self-knowing without being self-obsessed. Bargain Quest's visual appeal may be one of the main reasons it could appeal outside of the usual fantasy niche even if, ultimately, this is a game about monsters and knights and magic.
Once everyone's unfolded their little shop, each round of Bargain Quest starts with players choosing items to stock their shelves with through card drafting: drawing four cards, a player chooses one, passes three to the left, and so on. After the item drafting round, each player chooses an item to display in their shop window to attract the eyes of browsing heroes. The player with the most appealing shop window gets to go first in choosing which of the available heroes will enter their shop.
It feels like the Rogue card's hair is a little nod to X-Men's Rogue
You must then hawk your wares to the hero and send them out ready (or not) for battle. Perhaps your customer this round was the Nobleman, a rich and inept hero able to use any class's items. As he leaves your shop laden down with fake potions and dodgy shields, you rub your hands with glee like a mythical Del Boy. "Honestly mate, the crack's from when it stood up to a dragon... oh go on you've twisted my arm, take it for ten gold."
At the end of this buying phase, each hero is assigned a random trait such as brave (stronger arms) or forgetful (left their bow at home), then takes turns attacking the monster. If your hero is strong enough to wound the monster, and hardy enough to survive a returning blow, you'll get a victory point for each. Surviving heroes receive bonus cash to spend in any nearby stores and, if you're successful in wounding the monster enough times (equal to or greater than the amount of players), it will be defeated. Each surviving hero receives even more money, defeated heroes are replaced by fresh faces, and the next monster is drawn. Players then have the opportunity to buy upgrades or hire employees for their store, pop a card or two in their back room to save for the next round, and then play moves on to the next round.
Each player gets their own little shop to manage. Cute!
The overall structure of a game feels snappy and well-paced. Drafting items at the beginning of each round rather than just taking them from the deck balances traditional tactical thinking with an element of chaos. One player in my game of four tried to count cards but was immediately stumped as everyone just decided to pass all of the 'worst' items to him. Struggling players still have a chance of prospering when a new round starts, and there's always a sense of satisfaction in hoarding a card that you know another player desperately needs. The start of a new round is also a nice palate-cleanser for each player. You never feel locked into a downward spiral, and just because you did well last round doesn't mean everything will keep going your way. There's room to experiment and few foolproof strategies for victory.
The game does particularly well at encouraging inventive play. Making the display item unavailable for heroes to purchase encourages players to engage in some lovely risk-reward tactics, but they can come back to haunt you. You draw the Warrior in, but your biggest sword is stuck in the window. "I'm sorry my liege" you stutter, "but that's for display only." Each hero has certain items they can and can't use, as well as personality traits, so each player's stock is half balancing act and half gamble. The Witch Hunter is great with ranged weapons, but will destroy anything magical in your store. Bargain Quest is a game that revels in these little moments of schadenfreude, as all the shopkeepers examine each other's displays and realise with delight how colossally one of them has messed up. It's also these little nods to real-world retail environments that make the game even more endearing.
Your most valuable asset: cash.
The battles are where you see how Bargain Quest has been focused. This does not transition into a dungeon crawler, tactical combat, or deck-building game. The monster encounters are kept extremely simple, and this is one reason why the game is so accessible. It does however mean that Bargain Quest may not deliver quite as rich an experience over multiple games with the same group, and the rhythm is hurt by a lower player count too. I played multiple times in setups of two and four players, and much preferred the game with a larger grouping. That may be true of many board games but here, as the number of players dwindles, so too do the opportunities to make gains in the drafting phase, the shared joy when things go wrong, and the balance that prevents one player running away with the game.
At its heart Bargain Quest is trying to achieve the same things as fine games like Settlers Of Catan or Carcassonne. It's seeking to be as accessible to board gaming newcomers as possible, but with enough texture underneath for more experienced players: mechanically rich and attractively themed. It's not a game of untold tactical depth, designed for exhaustive dissection. This is a light drafting game that looks great on your table, is full of charm, and will give four players of any experience level a good few hours of entertainment whenever it is summoned forth.


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Brand: Xiaomi
Type: Self Balancing Scooter
For: Teenagers, Office Workers
Material: Alloy
Color: Black
Max Payload: 85kg
Maximum Speed (km/h): 16km/h
Mileage (depends on road and driver weight): Above 20km
Braking Distance: 3.4m
Permissible Gradient (depends on your weight): 10-15 degree
Battery: 18650 lithium battery pack
Rated Power: 700W
Rated Voltage: DC 60V
Charging Time: 4 Hours
Charging Voltage: AC 100-240V
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My own Guinea Pig
"I'm glad you didn't die" Doctor Dave, my on-ice colleague, says to me with a smirk and a bit of snark, as I relay the results of my unplanned science experiment. He appears mostly entertained, but also slightly horrified. Earlier this week we discussed my plan to ski out the back of the station past … More My own Guinea Pig


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DOE seeks input on use of biofuels blends in small engines
In late June, the U.S. Department of Energy released a request for information (RFI) seeking stakeholder input on several topics related to the use of biofuel blends in small engines. Responses are due Aug. 30.
The RFI, issued by the DOE Office of Energy Efficiency and Renewable Energy's Bioenergy Technology Office, aims to solicit input on the potential to optimize and/or modify small engines to utilize ethanol blends greater than 10 percent. It also seeks input on the technical hurdles associated with designing, developing and/or modifying small, internal combustion engines to improve compatibility when operated with high-octane biofuel blends. The DOE is also soliciting stakeholder input on the market impact of increasing the consumption of biofuels in the small engine market and mechanisms for addressing the technical and non-technical hurdles of using biofuels in small engines.
The DOE has indicated the small engines of interest for the RFI are spark-ignition, internal combustion engines, such as those found in small tractors, chainsaws, hand-held line trimmers, off-road motorcycles, generator sets, small outboards, personal water craft, snowmobiles, and all-terrain vehicles.
The RFI aims to solicit feedback from members of industry, academia, research laboratories, government agencies, and other stakeholders. According to the DOE, the RFI will help BETO explore the potential impact and feasibility of efforts to address technical and non-technical hurdles associated with the use of ethanol blends greater than E10 and increased biofuels availability in related markets.
Information released by the BETO stresses the RFI is not a funding opportunity announcement (FOA). As such, the EERE is not accepting applications. However, the EERE may elect to open a FOA on the topic at a later date.
Additional information on the RFI and how to submit responses is available on the EERE Exchange website under DE-FOA-0001373.


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No Weeds and Low Strain for Home Gardeners with Chronic Pain Condition.
If you suffer from a chronic medical condition, like arthritis, or just have a small area to put your garden, we at LadyBird recommend that you read the book Grow a Living Wall by Shawna Coronado.
Vertical gardens can be planted with flowers for beauty and to attract pollinators, or can be filled with vegetables, herbs, and even medicinal plants. Vertical gardens can also provide a green net of air filtration near a living area or protect exterior walls from exposure to direct sunlight, thus helping to keep the indoors cool.
In the book Grow a Living Wall, you'll find information and step-by-step instructions that explain the basics of vertical gardening. Visit Shana Coronado website for more information.
If you have any questions regarding vertical gardens or any other landscaping projects, call us at 214-799-3884 or fill out our easy contact form and we will be glad to help you in any way we can.


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At designated times throughout the year, the SpartanNash Foundation invites the communities it serves to join it in supporting key initiatives in partnership with our national, regional or local 501(c)(3) nonprofit partners. This is done through a retail scan, where we invite store guests — primarily at our Family Fare, D&W Fresh Market, VG's Grocery, Dan's Supermarket and Family Fresh Market stores — to join the SpartanNash Foundation and our associates by donating at the checkout register.
Retail scan partners are carefully selected to ensure the dollars raised are effectively utilized in the communities where they are raised. Small donations – in partnership with the Foundation's financial contribution, associates' support and SpartanNash's underwriting of retail scans' operational expenses —? add up to make a big impact.
As with other SpartanNash Foundation grant recipients, we encourage our associates to volunteer with these organizations. One of our most significant impacts can be seen in our 35-year partnership with Special Olympics. To date, we have donated nearly $9.4 million and hundreds of thousands of volunteer hours to Special Olympics' inclusion efforts, in addition to providing meals for Summer Games volunteers.
In 2018, we raised and granted more than $1 million through four companywide scan campaigns, benefiting local Habitat for Humanity, Special Olympics, patriotic and food pantry partners – the second consecutive year the fundraising efforts have topped $1 million.
2019 SpartanNash Foundation scan results
$179,500 raised (Feb. 6-17)
Together with our store guests and company associates, the SpartanNash Foundation's scan campaign to build hope and affordable housing raised $179,500 on behalf of more than 50 local Habitat for Humanity partners in Michigan, Iowa, Minnesota, Nebraska, Ohio, North Dakota, South Dakota and Wisconsin. Since 2006, nearly $1.9 million has been raised by SpartanNash and its charitable giving arm – the SpartanNash Foundation – to support local Habitats and hardworking homebuyers.?
$255,200 raised (May 1-12)
The SpartanNash Foundation's Special Olympics scan campaign raised $255,200 on behalf of athletes and State Summer Games in eight states. Since 1985, SpartanNash and its charitable giving arm, the SpartanNash Foundation, have donated more than $9.6 million and thousands of volunteer hours through its partnership with Special Olympics.
Supporting our military heroes — $300,000 raised (June 26-July 7)
The SpartanNash Foundation's retail scan to support our military heroes and their families raised $300,000 on behalf of Team Red, White & Blue, Operation Homefront and Honor and Remember. Since 2016, the SpartanNash Foundation has raised and granted more than $1,000,000 through its retail scan campaigns, benefitting its patriotic partners.
Past results
Since 2015, the SpartanNash Foundation's retail scans have raised and granted more than $3.2 million to nonprofit partners, impacting local communities throughout our retail footprint.


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About Mrs. Jinks
Degrees and Certifications:
Mrs. Nichelle Jinks
Hi! I am Nichelle Jinks and I am a first grade teacher at Richlands Primary School. I have loved teaching since day one. Along with 1st, I have taught 3rd, 4th, and 5th grades.
I am a life long resident of Richlands, NC. I have been married for 25 years to Roger. We have 2 children, Keagan & Elijah. I love to travel. I have been to Greece, France, Germany, the Bahamas, and I plan to add to this list as soon as I can.
I currently hold BS in Criminal Justice from the University of North Carolina at Wilmington. I am licensed and certified to teach k-6. This will be my 14th year teaching.
Professional mission statement: As an educator, I will support and nurture students as they grow, and learn. Through teaching I will endeavor to appreciate each child's individual character. My perfect classroom features happy, healthy children who are eager to learn and preparing to lead.


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Affiliate Member Directory
While New York City is home to many non-profit reuse organizations that provide free/low cost materials and services to millions of New Yorkers, the City is also home to many businesses, government agencies, and academic institutions that also provide and support environmentally-conscious solid waste management and education services. These entities qualify for NYC MEDP Affiliate Membership.
NYC MEDP's Affiliate Members are a wide range of organizations (i.e. non-profit organizations, for-profit businesses, academic institutions and government agencies) that may or may not facilitate the exchange, sale or redistribution of reusable materials, but DO perform valuable research, education and development which support the social, economic and environmental areas connected to materials reuse and solid waste management.
For more information on becoming an Affiliate Member of NYC MEDP please visit our Become a Member Page or contact us.
Bureau of Waste Prevention, Reuse and Recycling
Not only do the good people at the NYC Department of Sanitation's Bureau of Waste Prevention, Reuse and Recycling (BWPRR)fund all of NYC MEDP's programs and services (including the NYC Wastematch program), they also plan, implement, and evaluate the invaluable recycling, composting, and waste prevention programs.
Website: http://www.nyc.gov/wasteless
City Harvest
A food-rescue organization that feeds NYC's hungry population by collecting excess food from the food industry, including restaurants, grocers, corporate cafeterias, farms, and manufacturers.
City Harvest delivers this food, free of charge, to more than 600 community food programs throughout NYC using a fleet of 16 trucks and volunteers on foot.
Website: http://www.cityharvest.org
Facebook: http://www.facebook.com/CityHarvestNYC
Twitter: http://twitter.com/#!/@CityHarvest
Eco Brooklyn Inc.
Eco Brooklyn Inc. is a general contractor and community outreach company passionate about using ancient and new construction technologies. Using the Zero Building Technique - salvaged materials and high efficiency - we aim to create buildings that do not consume materials to build and do not consume energy to run. Our mission is to turn NY green through cutting edge building techniques and community involvement.
How we help people and the environment:
- We salvage construction materials for use in our own projects and for affordable resale to contractors.
- We do green construction jobs, specializing in the Passive House, an all salvage and natural building.
- We partner with other contractors to get the jobs and ensure the jobs are done as ecologically as possible.
- We have a green show house in Carroll Gardens, Brooklyn.
- We make ourselves available for talks and presentations around the city.
Website: http://www.ecobrooklyn.com
Facebook: http://www.facebook.com/pages/Eco-Brooklyn/102479163025
Twitter: http://twitter.com/#!/@EcoBrooklyn
Food Bank For New York City
As one of the country's largest food banks, our mission is to end hunger in New York City by organizing food, information and support for community survival and dignity. As the city's hub for integrated food poverty assistance, the Food Bank tackles the hunger issue on three fronts -- food distribution, income support and nutrition education -- all strategically guided by its research.
Website: http://www.foodbanknyc.org
Facebook: http://www.facebook.com/foodbanknyc
Twitter: http://twitter.com/#!/@FoodBank4NYC
Lower East Side Ecology Center
Description: Lower East Side Ecology Center is an environmental activism and education program which provides New Yorkers with a wide range of community-based recycling and education resources, including compost and e-waste collection.
Materials accepted: Food waste/compost, cell phones, electronics, and computers.
Type of organization: Nonprofit
Website: http://www.lesecologycenter.org
Facebook: http://www.facebook.com/pages/Lower-East-Side-Ecology-Center/314323585976
Twitter: http://twitter.com/#!/@lesecologyctr
NYC Department of Health and Mental Hygiene (DOH)
The mission of the New York City Department of Health and Mental Hygiene is to protect and promote the health of all New Yorkers.
Website: http://www.nyc.gov/health
OSHA [Region 2]
The United States Occupational Safety and Health Administration (OSHA) is an agency of the United States Department of Labor. Congress established assure safe and healthful working conditions for working men and women by setting and enforcing standards and by providing training, outreach, education and assistance. [OSHA Region 2 collaborates with NYC MEDP on educational workshops regarding warehouse safety for the NYC Reuse Sector]
Website: www.osha.gov/oshdir/r02
Vertruse, Inc
Vertruse, Inc., is an eco-friendly solution provider that is dedicated to reducing waste while reinforcing reuse, green practices, and giving within the event industry. Their goal is to redefine the event industries' view of reuse, but also redefine the practical approaches to "being green".
Their event reuse model consists of coordinating the donation of reusable materials from special events. These items are then delivered to well-deserving arts programs, schools, hospitals, and nonprofit/cultural organization within the community.
Website: http://www.vertruse.com
Facebook: http://www.facebook.com/pages/Vertruse/173864936004854
Twitter: http://twitter.com/#!/@vertruse


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The Directorate of Education is responsible for the central administration of all aspects of education and related services in Adana.
The Directorate's main areas of responsibility are in pre-school, primary, post-primary, vocational education,informal education and special education; the promotion of community relations within and between schools; and in-service teacher education. Its primary statutory duty is to promote the education of the people of Adana and to ensure the effective implementation of education policy. Its key functions include:
• advising teachers on the determination of education policy
• framing legislation
• allocating, monitoring and accounting for resources
• through the Education and Training Inspectorate, evaluating and reporting on the quality of teaching and learning and teacher education
The Directorate also aims to ensure that children, through participation of 910 schools, reach the highest possible standards of educational achievement. In pre-school settings, schools also promotes personal well-being and social development, so that children gain the knowledge, skills and experience to reach their full potential as valued individuals.
At present, the Education Department of Adana can be categorized into three (three) different entities viz.
(1) Department of Education (Pre Primary and Primary)
(2) Department of Education (Secondary Education)
(3) Department of Adult Education.
The number of staff employed is about 200.
Budgetary resources
In 2007 Total Budget 1.930.930,00 TL
In 2008 Total Budget 5.041.738,00 TL
In 2009 Total Budget 5.661.286,00 TL
Sources of funding are provided by the state.
Local partners: Municipalities, public institutions,chambers of commerce and industry, other vocational chambers,sports clubs.
International partners:In context of project, institutions which we executed projects.
Creating an education atmosphere that our students will be successful and parents happy too.Providing our staff peaceful and untroubled working fields by making a difference and becoming an outstanding institution in the light of contemporary developments.
As Adana Directorate of Education,we executed the following projects
1- In 2006 Life long Learning Proramme LDV mobilitby VETPRO project Ref.No:TR/06/A/F/EX1-1821
2- In 2007 Life long Learning Proramme Grungtvig Learning Partnership
Ref.No: 07-TUR01-GR04-00182-1
3- In 2008 Life long Learning Proramme Grungtvig Learning Partnership
Ref.No:08-1-DK1-GRU06-00106 3
4- In 2010 Life long Learning Proramme Comenius Regio Ref.No: 2010-1-PL1-COM13-11566-2 ( This project has been going on)


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Jack and Friends is a animated series by Ramahfool the creator of Thomas The Trackmaster Show and this series takes place on a red engine named Jack and he is the number 1 engine like Thomas in Thomas and Friends.
Thomas The Trackmaster Show, and other series too on youtube too. it's unknown when the next episode will come but you can ask ramahfool if you want too be in the cast too. Ramahfool hasn't made a Jack and Friends episode for a long time so if you too bring the show just tell Ramahfool. The first episode was orignally uploaded on RamahScot sman but since ramahfool announced that Jack and Friends will become a ramahfool series he removed the video from RamahScotsman to his original channel.
A Hero in Need (2010)
The Naughty Boys (2010)
The Christmas Heroes (coming soon)


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A procedure to include slip damping in a VIV analysis of an umbilical - OMAE2016-54816
A procedure to include slip damping in a VIV analysis of an umbilical - OMAE2016-54816
Del av bok/rapport
Ocean currents may cause vortex induced vibrations (VIV) of deep-water umbilicals. The VIV response may give significant contributions to the total fatigue damage. Good estimations of the VIV response and damage are therefore important for the design of deep-water umbilicals. As VIV response is very sensitive to the structural damping, good response and fatigue estimates will be dependent on good estimates of the damping and that they are included in the VIV response analysis in a consistent way. A complex cross section such as an umbilical or a flexible riser will have two sources of structural damping; damping due to the strain variation in the individual materials that make up the cross sections, and damping due to the different layers slipping against one another. The first may be denoted material damping and is present at all response levels, and will be particularly important at low response levels. The second may be denoted slip damping and will contribute when the curvature exceeds the initial slip curvature. Ideally, accurate data for both the material and the slip damping are available. Unfortunately, this is not always the case and the damping parameters must then be estimated. The material damping may be estimated from the material properties of the various layers in the cross section, taking operating conditions such as temperature into account. The slip damping may be estimated from detailed cross-sectional analyses. As the slip damping is dependent on the curvature, iterations are needed to ensure that the applied damping and the calculated response are consistent with each other. A procedure to include these iterations within a VIV response calculation is proposed. A case study is presented demonstrating the use of the proposed procedure for a deep-water umbilical in a lazy wave configuration. For the case studied, the maximum curvatures caused by VIV are significantly reduced.
- SINTEF Ocean / Energi og transport
Publisert i
International Conference on Offshore Mechanics and Arctic Engineering [elektronisk ressurs] : [proceedings]
ASME Press
ASME 2016 35th International Conference on Ocean, Offshore and Arctic Engineering, Volume 2: CFD and VIV
Hefte nr.


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I love the sounds of analog synthesis, but I want to experiment with other sounds. I'm looking at demos of three programs: Tassman 4, Reaktor 4, and PhyMod 2. The former two allow the user to construct virtual synthesisers from 'componants' like oscillators, filters, resonance, noise generators, and effects. They also claim to perform realtime Physical Modelling synthesis, but it seems to be a limited version.
PhyMod is a genuine PM synthesiser - so it's not realtime and requires some mathematical knowledge and a lot of patience to use. Also, the company that make it may no longer exist, so registering the full version may not be easy.
Systems like Tassman and Reaktor - and freeware like Buzz which does the same thing with less snazzy graphics - do seem a genuine step up from Reason. To create custom analog synthesisers and effects (possibly as VST plugins) is
(a) awesome in it's potential
(b) needful of a grasp of calculus and DSP that I simply don't have, and
(c) still in the pseudoanalog realm
So, systems like these would take a great investment in time to master, and aren't where I especially want to go. Which is unfortuante, tempting as they are. The Cymatic system of PM looks promising, but just isn't on the market yet.
All this started when I wanted to make custom realistic drum sounds. I've been using Stomper to make electro drum sounds for years, and I think I'm pretty good at it. But real drums - especially the more exotic ones - are just more....exciting.
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I have now finished work for Christmas so am feeling relaxed and eating my body weight in mince pies and party food on a daily basis!
I really love this week's manicure. I think the combination of navy and gold is lovely and the dusting of glitter makes the nails looks really Christmassy.
I started with a base coat of Essie's Style Cartel, my favourite navy blue. I looked for ages to find this shade and every time I wear it I'm reminded of how much I like it.
The glitter is a Nails Inc bottle in Chelsea Embankment. I wasn't prepared for how packed with glitter this formula was so needed a very light touch to get this effect. I basically packed glitter on around the cuticle, gradually fading out how much I used as I reached halfway along the nail. As always, some nails look a bit better than others but I am really pleased with the overall effect.


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Summer Reading at the Public Library
May 29, 2017 09:30PM
● By Jennifer Neys
Summer Reading at the Library
This year's summer reading theme at the Contra Costa Library is Build Your Brain. Everyone who completes summer reading will be entered in to countywide and local drawings for exciting prizes, including a GoPro, Fitbits, and more! From June 5 to August 5, all ages can visit ccclib.org/summer for brain-training activities and challenges to keep those minds toned and trim. Those who finish the program will take home a free book and a raffle entry for a chance to win amazing prizes. Library users of all ages will find brain-training activities and challenges at ccclib.org/summer.


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People want to see themselves with a look of young and adolescent. But, they are feeble to the aging. You know that the age never backward rather it forwards fast. Getting old with the time goes by is a natural practice. You cannot stop your aging. However, you can retain …Read More »
10 Best Ways to Increase Collagen Naturally
Collagen is the most important element of the skin. You cannot think about the healthy skin without collagen. It is a fundamental ingredient that keeps the skin elasted, shiny, glowing, plump and supple. Collagen is the rejuvenating thing against the aged skin. But, the amount of collagen starts to decline …Read More »
7 Collagen Boosting Vitamins
The more vitamins in the body, the more collagen in the skin. Because the important layer of the skin dermis is originated by vitamins. Collagen is a key protein for a healthy skin. It is the basic skin rejuvenating ingredient that keeps the skin elastic, glowing and plump. Though the …Read More »
10 Best Night Creams for Wrinkles
Wrinkles, fine lines, crow's feet, and sagginess etc are the common signs of aging. They grow with time. They become strong quickly if you don't tackle their growing up. Those signs lead you to the dull complexion. Then you look old; you lose confidence. But don't be worried; there are …Read More »
10 Best Organic Collagen Face Creams
Collagen is the genuine insights of youthfulness. Your younger appearance depends on some key factors, like glowing, supple, bright and radiant skin. Collagen accelerates all those necessary characters. Collagen helps to retain the elasticity of the skin. But, all those youthful marks start to be disappeared with the time. As …Read More »
10 Best Collagen Lotions for Face
A lotion is as the life of the skin. It keeps the skin always moist and active. The lotion offers you a lively appearance with a soft and fresh skin. A lotion is the best product in the skin care for its hydrating properties. People use it to protect their …Read More »


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Track Listing
Wake me up
Song 4 u
Bye-bye darling
snowy kiss
Sweet scar
untitled for her…story 2
You & Me
1. Wake me up
I'm happy that Ayu opened the album with Wake me up because honestly, this is my favorite song she released in the era! It's just badass and it has this heavy rock sound that I loved when she pulled it off in "Rock'n'Roll Circus" and "GUILTY". I mean yeah, she's still utilizing her new tone and I'm still trying to get used to it, but here it sounds so mature and just so diva-ish that it works! Yeah, this was just an amazing song to start things…unfortunately knowing the other songs on here that I've heard before, this is kind of a GIANT troll of a song haha
2. Song 4 u
As the leading song from "LOVE", I wasn't sure if it made sense that it came after "Wake me up" but the song is kind of nostalgic and kind of brought back the Ayu from the olden days. I still enjoy the song though and Ayu does sound like pre-"Love songs" so that's a really good sign. I just like the drama in this song and it moves so good. One of the cooler songs too!
3. Missing
Of the songs from the "LOVE" mini-album, Missing was the ballad and the song just kind of whizzed by me because while it does have that Ayu-ballad that works, it didn't do much for me here. Don't get me wrong, it's a solid ballad and everything and kept Ayu and a nice sound but this song didn't fo much for me like the previous two tracks did.
FINALLY, we get into the album's first new track with SAKURA. It's no surprise that since it's a themed song that it would be a ballad. Sadly, the song is pretty basic for Ayu being a piano/strings ballad so it's just a bit under for me and this song doesn't really stand out AT ALL for me.
5. Melody
The last song from "LOVE" makes it appearance here and while "Missing" was a bit of a borefest, I was just confused with Melody. Like I said on the mini-album review, it sounds like it was going back to the beginning of Ayu's career, but the song just kind of slipped up. I will admit that the acoustic guitar is a nice touch an as it continues it does get a bit more memorable. It actually kind of grew on me while "Missing just kind of fizzled out. So I found its inclusion to be beneficial.
6. task'n'bass
We run into our first interlude on the album and it's a bit strange being after "Melody" and all, but considering it's a task___ interlude, they usually never really fit anywhere. This is definitely an interesting electro/dubstep interlude but on an album like this, it's a bit off-putting. By itself, it's a really cool and dramatic change of pace and I love the synths and beats here. Strange placing and strange overall.
7. Bye-bye darling
I have to say though, that my favorite of the new tracks is definitely Bye-bye darling. I love that the song kind of has that rockin' edge that some of her past works has and I immediately think of "evolution" and "until that day…" with this song. It's not aggressive as like "Wake me up" but for amping the album back up, this did a pretty good job and Ayu just sounds great once again! Good song.
8. snowy kiss
I think "again" really had the best songs Ayu did in quite a long time, snowy kiss was just something so impressive and cool even if the title screams ballad. This track has such a great dance beat going for it along with the strings that flowed in and out of the arrangement. It is slightly long so prepare for that, but this is a good song (even though the remix on "again" is SO MUCH BETTER").
9. Sweet scar
Once again, I am a little confused on why Sweet scar is after "snowy kiss" but it's whatever. This track is another ballad and after the other ballads we've heard already on the album, this is kind of just a bit unmemorable for me, but this song kind of ranks lower because I keep thinking the song wants to build up to awesomeness but yet it just DOESN'T. That's probably my biggest disappointment at the song, but it's not too bad, just wish it had a stronger impact.
10. petal
At first when the song started I thought it was kind of Enka-ish, but it's just a façade for the song. Now this song is what "Sweet scar" should've opted to be because it's beautiful and has a much broader sound and has a dramatic flow to it. It's pretty and it's kind of playful in a way lmao. I don't know, but I kind of liked it!
11. glasses
Moving onto our next interlude, glasses isn't as random as "task'n'bass" was but it still has its moments of randomness and being between two ballads doesn't make a whole lot of sense because I felt this would've been great between "Bye-bye darling" and "snowy kiss" since it does have that dance-y feel and all that.
12. untitled for her…story 2
If you remember, "untitled~ for her~" was a song originally off of "GUILTY" and was sort-of a tribute to her friend that passed away. Now why it was given a sequel, well…I have no idea. This song is pretty melodramatic and has a bunch of strings behind it which is crazy good! Though the song is kind of very simplistic and after a while it just bores me to death, but this is that kind of emotional track that seems to pull the heartstrings when it wants to.
13. Gloria
Why does the beginning remind me of another Ayu song in her collection? Either way, the opening has this kind of muffled melody playing in the beginning and I think this might be that lullaby-friendly kind of track. Then it grows into this mid-tempo rock ballad which is a nice change of pace from the last track. Still not too impressive, but it's passable.
14. Ivy
Ugh, ballads…too many of these at the end of the album. I feel like this track should've been closer to "Song 4 u" for some reason…maybe it's just how similar the two songs are except one is a bit more vibrant than the other. Ivy back on "again" was just a ballad, here, I'm just so bored with it for some reason. I figured this would be the end of the album but nooooo.
15. You & Me
However, I'm so confused as to why she would include the song from "A SUMMER BEST" here. Yes, the original, not the "A CLASSICAL" version (some downloads of the album has it and it's the WRONG version). Unlike the last couple of tracks, this isn't a ballad oddly enough. It's strangely enough the most dance-friendly song off the album. It sounds so strange and it has a certain "LOVEppears" feel. Strange song and the whole song is a bit odd with the whole naming off days of the week shtick. I don't know but this song does not fit the album AT ALL and doesn't make sense ending the album either…
Tracks Recommended
Wake me up
Bye-bye darling
Song 4 u
snowy kiss
Song of Avoidance
I have to say I'm kind of on the fence with Ayu's latest. LOVE again seemed to win with the song from the singles more than she did with the new tracks. I figured, maybe she'd be a little more oomphy, but with LOVE again she slightly missed the mark…though I do think it's better than her last album, "Party queen" so I guess she did something right lol.


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Hand-Picked Products
Hand-Picked Products
Jun 1, 2012
I love this little booklet!!! I'm trying the suggestion of the cornmeal to keep ants away. I REALLY hope it works. It's a cute booklet and conversation starter. Are there any new additions for another booklet?
Sep 15, 2011
This is such a fun-sized book with lots of information! Thanks Glenda for all the tips!
Jul 27, 2011
I bought several of these as gift add-ins last Christmas, and wished I had ordered more - they were a fun conversation starter. The booklets themselves are tiny (as advertised) but nicely done with color illustrations and a full alphabet's worth of tips (with a little cheating for X if I remember correctly!). Not a comprehensive reference but makes a cute, interesting, and likely useful little gift.
Mar 26, 2011
not worth the money. 12 tips most of which are nothing new. will return it.


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- ÇağatayAsked on March 08, 2011 at 02:57 AM
im just using jotform for free in my forms page i have a 20 answer limit just want to know how is it working and if 20 answer is full what happens and is there a way to turn this options to more space or limitless
thanksPage URL:
- DanielGriffinAnswered on March 09, 2011 at 08:54 AM
Hi there,
The limit for free accounts is 100 submissions. Once you reach the 101st submission you will recieve an email telling you that your account will be disabled until the 1st of the next month. If you want to recieve more than 100 submissions you'll need to upgrade to a paid account.
- JotForm FounderaytekinAnswered on March 09, 2011 at 09:35 AM
When you create an account your limits will be increased to 100. Guest accounts are limited to 20 submissions/month.


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Advanced e-Financial Technologies, Inc. (AeFT)
2549 Eastbluff Drive, #308
Newport Beach, CA, CA 92660
United States
ph: 1-888-456-8881 ext. 888
The SwapRentSM transaction is an optional service between homeowner/renter and the property investors in the jointly owned LLC so that the homeowners could establish a long real estate market exposure to benefit from a potential future appreciation. However, they should be aware that real estate market investment has its own risks. The property market could depreciate instead by or on a horizon date. Not only the cost to acquire such a real estate market exppsure could vanish without a positive return, the realized depreciation could also represent future financial losses.
For property investors, they are free to take either long or short positions on SwapRentSM transactions for whatever lengths of durations on any properties or on any house price indices at any different regions at any time. It would be simply be based on their own investment decisions.
The optional SwapRentSM services are only available at REIDeX.com. InvestorsAlly makes no recommendations or demand requirements for its customers to make these optional transactions.
More detailed info is available at the SwapRent.com web site.
The history of SwapRentSM traces back to an effort to develop a consumer-oriented real estate derivatives business that included an Internet based on-line real estate index based futures and options exchange in the US back in 2001. The purpose was to bring the economic benefits of simplified financial derivatives to the consumers who are already or intend to be involved in property investment related transactions.
Bearing in mind that conventional financial derivatives in the way they had been practiced before had too many potential problems if not managed carefully and they are typically way too complicated for the average consumers, the goal was aimed at inventing something totally new from scratch and developing a fool-proof business methodology so that the new concepts and financial transactions could keep the similar economic benefits for consumers to enjoy but get to avoid all those potential pitfalls of conventional financial derivatives.
Therefore the original objectives of the inventions of SwapRentSM and its embedded suite of consumer housing financial products were to create a totally new set of consumer financial concepts and products as well as a new system of fool-proof uses of related financial transactions so that homeowners and property investors could take advantage of the economic benefits of conventional financial derivative contracts like what the stock market investors have been doing for decades without the complexity, opaqueness and the danger of potential abuses by either the consumers or the financial institution vendors.
The best example in the past of such successful consumer banking products in housing finance is the prepayment option that was built into a conventional fixed rate long-term mortgage loan offered in the US market. The prepayment option is the choice for borrowers to re-finance for whatever reasons at will, with the usual main economic reason being a new lower borrowing rate has become available. This option is in fact a form of an interest rate derivative contract (a call option on the interest rate level).
However, banks that offered this economic benefit to homeowners have never marketed it as a derivative contract and consumers have been taking advantage of its economic benefits without any potential dangers or problems for decades. These objectives were exactly what SwapRentSM and its embedded housing finance products such as HELM (Home Equity Locking Mortgage) and FARM (Flexible And Reversible Mortgage) were originally designed to achieve in a similar way.
The research and development breakthrough came in early 2006 and hence the birth of the new "economic owning", "economic renting" and the "temporary own-rent switching" financial concepts. A new type of financial transactions was created to facilitate the temporary own-rent switching concept by the homeowners or commercial property owners. The name chosen for it was "a SwapRentSM transaction".
Therefore a SwapRentSM transaction has become the realization of the newly created consumer financial concepts of "economic owning, renting, and temporary own-rent switching" while keeping the existing legal ownership structure for homeowners and other investment property or commercial property owners during the entire contract period.
A conventional legal ownership of a property entitles a property owner the right to occupy and use the property (a usufruct), which we could call it the "Shelter Value", as well as the right to obtain future financial upside appreciation gains and along with it, the obligation of bearing downside depreciation loss, which we could call it the "Economic Value". A SwapRentSM contract aims to separate the economic value of a conventional property ownership from the shelter value in order for the owners to better manage the financial risk and return aspects of a property ownership while maintaining their shelter value at all times.
A generic SwapRentSM transaction will allow a property owner to efficiently and effectively switch between owning and renting for a part or in full of his economic ownership in the property for a finite period of time at any time at a very low cost. It also allows the owner reversibly to switch back later on if it has become desirable at any time at the same low cost. This could all be done while the property owner keeps the legal title of his property and the right to occupy and use the property at all time. Therefore all the economic benefits of shared appreciation on the upside in exchange of a stream of present cash flow income or those of downside protection hedging objectives could be automatically realized when he simply does the reversible switch between economically owning and renting for a finite period of time.
From a commercialization perspective, by focusing on the newly created consumer financial concepts of either full or partial "economic owning, renting and temporary own-rent switching" will make the education and promotion of those inflexible conventional Shared Appreciation Mortgage (SAM) or Shared Equity Mortgage (SEM) concepts and products redundant since the new SwapRentSM concept and its embedded mortgage product could deliver the same economic objectives as a much better alternative. It offers much more benefits due to the flexibility in that the appreciation component could be easily detached, traded in a secondary market and be re-attached to any conventional mortgage products again.
Nor will there be any need to educate the consumers and promote the complicated derivatives trading strategies such as selling a covered call option strategy or deciding when and how to buy call options and put options, … etc. since a SwapRentSM contract automatically delivers the same economic benefits of these derivative trading strategies by simply letting property owners switch between owning and renting for a period of time.
For consumer-oriented business, sometimes the best way to introduce a new economic concept to consumers may be to introduce something new through something old that they are already very familiar with. Every consumer around the world is already familiar with the difference between owning and renting a real estate property. For example, by being an owner of a real estate property, the owner knows he will be entitled to the future financial appreciation of the property in the future. At the same time he knows he will have to bear the risk of downside depreciation. By being a renter, the tenant of a real estate property knows that he will not have any benefits of future appreciation or the risk of losing money if property value declines. Therefore similarly, by becoming an "Economic Renter" a consumer will understand that similar to being a conventional renter, by definition, he will not have the benefits of any potential future upside appreciation or the risks of potential future downside depreciation.
For example, if a person chose to reduce monthly expenses that he spent on housing every month, he sold his house and became a conventional renter for the next 5 years. He got to pay a lower monthly rental payment than the previously much higher monthly mortgage payment every month. Five year later if the house has appreciated in value by 20%, he will have no right to go back to the new owner and ask for a part of the financial gains. No matter how dumb this person may act for his failure to read the fine print, no laws or liberal politicians would be on his side.
A very important thing to note is that as a new concept and methodology a SwapRentSM transaction will only function as a tool and add a well-defined time horizon to help property owners realize their investment views or to face up the monthly income reality when he is forced to make the temporary own-rent switch when he loses his economic monthly income capability. It will not alter the original reasons why people may want to switch or be forced to switch between owning and renting. People make own-rent switch based on normal economic reasons or personal factors such as monthly income reality, investment views, change of household economic situations, … etc.
The SwapRentSM transaction will only facilitate it and make the transition easier since the transaction cost is drastically lower as compared to the conventional own-rent switching that involves the buying and selling of the conventional legal title ownership in a real estate property. Therefore the SwapRentSM methodology should not have to bear the burden of the questions why do homeowners or investors want to make certain switching transactions. It is only a more efficient methodology to make the switching more flexible and reversible in a very low cost way.
When a homeowner has already decided at his own will or be forced to make an own-rent switch when he faces an imminent foreclosure and when an investor has already made the decision it is time to for him to go long on real estate, both the homeowner and the investor could save plenty of money and administrative hassles by using the SwapRentSM alternative, as compared to the conventional own-rent switch by transferring the legal title of a real estate property in a purchase and sale contract which usually requires brokerage commissions, title search fee, property taxes, insurance cost and property management expenses to find a renter for the property, … etc.
The following sections of this paper comprise further descriptions and applications of both the transactional mechanics of a SwapRentSM contract and its related consumer housing financial products such as HELM and FARM. Put together, they are meant to outline a generic blue print to develop an alternative housing finance system to stimulate readers' further thinking and research on how to customize these new innovations according to local real estate market practices for a potential implementation in various countries around the world.
From the government's perspectives, tightening the credit spigot a bit and introduce non-lending based FARM type of housing finance products to homeowners could stabilize the society without sacrificing any overall homeownership level for its citizens. In fact, FARM may actually help increase it and build the homeownership on a much sounder footing.
For the first time federal government in many countries would be able to perform economic stimulus without resorting to using interest rates only. The new dimension offered by the SwapRentSM contracts will allow the governments to increase or decrease the demand for real estate property by simply adjusting the availability of monthly cash flows used for shared economic co-ownership with property owners as provided by the free market based economic landlord investors.
As shall be fully explained below, while HELM seems to be able to offer timely helps to the current mortgage default mess through the shared appreciation concept, as a new alternative, FARM seems to be much better suited to build a stronger foundation of a new housing finance system going forward for our capitalism society.
In the past few years the fictitious housing affordability in the US was created based on transient short term variable interest rates. When the rates were already trending higher the low-income borrowers were still lured into owning real estate properties by the "teaser rates". Those subprime borrowers were originally not qualified as owners. They could at most rent to have a shelter to sleep in. They should have been renters to begin with given there was no other alternative true housing affordability offered through any effective conventional shared equity or shared appreciation finance products in the US.
The answer to the perennial question of to own or to rent varies as time evolves. Sometimes the rental rate is higher (say at 2% of house value per annum) and more expensive than buying (say at a temporary teaser rate of 1%). Other times the reverse is true (say at a 5% mortgage rate when teaser rates expire). It would be nice if property owners can have a choice to separate the legal ownership from the economic interests and hence the financial risks and rewards of owning a property, a way to continue the legal ownership and synthetically switch back and forth between owning and renting only economically and temporarily according to the market conditions and their monthly income reality at the time.
That goal is what the SwapRentSM market was designed to achieve. Homeowners could use them in a SwapRentSM embedded mortgages HELM (Home Equity Locking Mortgage) either with their existing lenders through a loan mod conversion or with any other new lenders that offer them through a refinancing arrangement. Alternatively they could be offered through FARM (Flexible And Reversible Mortgage), which is a new way to let renters flexibly and reversibly enjoy partial or full future appreciation of the real estate property that they occupy.
If the generic SwapRentSM rate is trading at 2% of the current house value and the current cost of owning as expressed in the mortgage funding cost is at 5% of the current house value in a 5-year SwapRentSM contract example, there will be an annual 3% cost differential between the SwapRentSM payments and the mortgage payments. That means renting is cheaper than owning at this point in time in this example.
So if the defaulting subprime borrowers decide to switch back to the more affordable renting only economically for a period of time they will be able to receive 3% annual saving subsidy in monthly payments from the economic landlord investors so that the borrowers could afford to continue to keep legally and stay in their homes.
If they agree to become economic renters (of their own houses) for a period of time they will not have any future appreciation benefits or downside depreciation risk during that time period, just like a conventional renter. The investors who act as the "economic landlords" by receiving the SwapRentSM payments and paying out the mortgage funding cost will.
The homeowner or mortgage borrower could switch back to the full economic ownership until SwapRentSM contract expires or whenever they want to unwind the contract without restrictions before the contract terminates automatically at maturity. This may become desirable for them because they may have more monthly income to acquire more economic ownership later on, because they may decide to move and sell the house or simply because their views on the real estate markets have turned more positive.
The SwapRentSM enabled economic renting could easily be done for only part of the house value, say 25%, 50% or 75% of the current house value instead of the entire 100%. That means the homeowners could decide to be only partial economic renters for a period of time so that they could get just enough monthly subsidy to afford a home while still enjoy the remaining partial appreciation benefit.
The low-income working family, first time homebuyers and the senior citizen community could all benefit further from the flexibility on both the notional amount and the duration of the economic renting period offered by a liquid SwapRentSM trading market for their specific property, neighborhoods or cities.
Conceptually, SwapRentSM is a new invention of an alternative way between the buying/selling and the renting of a real estate property for property owners. The idea is to provide a very simple way in the mind of the property owners to let them protect the gains in their home or commercial property equity value. As long as a property owner has the mental capability to sign a contract to purchase a house or to sign a lease to rent an apartment he or she should have the ability to sign a SwapRentSM contract in order to stay out of the price fluctuation of his/her home or a commercial building that he/she owns for either a short or a prolonged period of time.
The core principle and goal of these new user-friendly consumer financial product innovations is that homeowners or commercial property owners do not need to have advanced knowledge or education in financial derivatives or any other sophisticated institutional capital markets instruments in order to make the SwapRentSM transactions.
The business idea is to design and create a very simple concept and method for property owners to simply "rent" ("SwapRentSM") (to pay a "rent" or to pay a "SwapRentSM" to stay in) their own house for a certain period of time and therefore to achieve the objective of not having a potential future loss or gain in their home equity value during that same time period, while continuing the existing legal title ownership of the property.
Currently the only business method available to a property owner to lock in the gains or loss in the home equity value is to do a "sale and lease back" transaction. This includes a real property sale transaction and the renting from the new owner of a property that the original property owner had already been occupying. The high transactional cost associated with it as well as the tax and legal considerations are usually the deterrents for property owners to widely adopt the "sales and lease back" transaction as a temporary tool for the purpose of simply locking in the financial gains or loss for a specified period of time.
Using exchange traded futures and options could be another way to lock in the home equity value but the index-based contracts do not offer a sufficient close relevance to the real fluctuation of the house value of a homeowner. The method involved is also way too complicated for most normal homeowners without advanced derivatives or market trading knowledge and experience.
From the consumers' perspectives, a SwapRentSM transaction could therefore be viewed as a synthetic version of "sale and lease back" that only captures the economic benefits of a "sale and leaseback" without the legal title transfers, triggering of a tax event or the associated high transactional brokerage cost.
As a derivatives instrument, SwapRentSM could be used with any kind of property price indices or no index at all. For example, the contract could be valued and settled by using property appraisals or the real transaction prices of the property.
As could be easily understood, the trading liquidity for a specific property will be very small. When the use of a house price index is selected in a SwapRentSM contract, the trading liquidity will increase with the size the geographical area or number of households that are covered in the particular index.
The transaction services between the homeowners and investors could be done directly through a peer-to-peer (P2P) format or they could be done with a financial intermediary. Either banks or local governments could be engaged to be the financial intermediaries in between the property owners and investors.
As illustrated on slide #4, there are three ways to bring the monthly subsidy from investors to homeowners in return for a part of the future appreciation, P2P (peer-to-peer), B2C (through financial intermediaries such as credit unions, banks, mortgage lenders, etc. or local governments using FARM or HELM to offer services to homeowners) and B2B (trading SwapRentSM contracts between financial institutions or local government housing agencies). The interests and participation from institutional financial intermediaries could greatly help create the critical mass of transaction liquidity necessary to provide the best pricing for end users that are either homeowners or investors.
The new ability of SwapRentSM to separate the economic ownership from legal ownership has many advantages. For example, the moral hazard and the home improvement issues of the conventional renting could be alleviated through the economic renting concept of a SwapRentSM transaction. To put into an investment professional lingo, having the legal ownership will give you the alpha of holding an asset, switching to economically renting will let you hedge away the beta (the market risks) of owning a specific property.
Therefore a public housing project with SwapRentSM based economic renting would become a much better neighborhood than the one with a conventional renting only because people will invest in home improvements freely since they will be the legal owners of the apartment that they live in but by being an "economic renter", they will be insulated from the potential fluctuation of the financial value of the real estate markets in general. They will be shielded from the neighborhood appreciation/depreciation potential represented by a neighborhood or city property price index in exchange for receiving the monthly subsidy that represents the own-rent cost saving by being an "economic renter".
Whatever home improvement investment they have already made to the properties they will be able to get to recoup those investments when they actually sell the properties on legal terms later on. The development of this new economic concept will have great implications for urban planning and public housing policy for city and county local governments in the future.
As a perhaps a bit of an extreme example, domestic servants for the first time may even live in the same building or neighboring buildings located in the same tony neighborhood as their wealthy employers do due to this newly created "portable housing affordability".
The upscale neighborhoods may not have a conventional affordable housing complex or even the conventional apartment rental units. So the employers may enjoy the full ownership (both full legal title ownership and full economic ownership, i.e. with the entire upside financial appreciation potential) of the houses because of the employer's high monthly income earning power.
The domestic servants may get to enjoy similarly the full legal title ownership of a smaller house and perhaps only a much smaller economic ownership that entitles them to the financial value of only a small fraction of future appreciation potential because of their much lower monthly income level. They can of course buy into more fractional units of future appreciation potential of either their own home or the city level property value represent by an index through SwapRentSM contracts at their free wills at any time when they start to have higher earning power in the future. Meanwhile they may get to enjoy a nicer living neighborhood and their children may get to attend the same high quality school districts as their employers' children do. Doesn't that sound like a good step closer toward a true democracy?
While upon first thought, acquiring the future appreciation potential of properties could be a desirable thing to have, it does come with a cost and the cost of this investment could be totally wasted as we have seen in recent years if the value of real estate property declines instead, let alone the risk of bearing further financial losses that usually comes with economic ownership when the property market actually collapses.
Houses may appreciate in value slowly through time under most usually competent governments but we cannot always count on governments to do the right things to foster a gradually growth of property market. Therefore the inability of the low-income people to participate in the boom and bust cycles of the property investment games may not necessarily be a bad thing after all.
Through SwapRentSM contracts these low-income families could simply continuously enjoy the comfort and the security of their homes by having the legal title ownership and becoming the "economic renters" of their own homes irrespective what may happen to the financial value of the property markets in the future. An investment in a home ownership could finally become a true long-term shelter and be removed from the financial ups and downs similar to that of a casino game.
The main implications of this are that first, cities may not need to waste taxpayer's money to build that many low-income housing complexes with substandard building materials anymore, which often end up slums and they foster class distinctions and prejudice in our human societies. Second, low-income people will no longer be forced, duped, coerced or at some other occasions, be allowed to willfully intend to go into borrowing and owning something they could not afford (i.e. the combined cost of both legal title ownership and future appreciation potential as expressed in economic ownership) based on their current and foreseeable future monthly earning power.
After this new housing finance methodology has been adopted, the abuse of irresponsible borrowing/lending and over-leveraging with a hope to get rich quick that had caused our current default-led global financial crisis will have much less chance to get to be repeated on a massive scale again.
People will learn that success in life may have to be earned in an old fashion way through hard work instead of keeping hoping to gamble with borrowed money. The practice of the simple economic concept of shared appreciation or shared ownership will indeed automatically discourage the abuse of over-stretched borrowing in our economic societies. SwapRentSM and REIDeX could be the right solutions as the newly invented business method and marketplace to make that simple economic concept a reality in the most effective and efficient way.
To summarize, among many other applications, the five key economic advantages of the SwapRentSM contract and its related consumer housing finance products are:
For more information on SwapRentSM, please visit http://www.SwapRent.com
Advanced e-Financial Technologies, Inc. (AeFT)
2549 Eastbluff Drive, #308
Newport Beach, CA, CA 92660
United States
ph: 1-888-456-8881 ext. 888


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