text:
Linking ≠ endorsement.
1) The Ultimate 34-Step Property Management Checklist
2) Ethics and Infrastructure by Yannos Papantoniou – Project Syndicate
3) Why inequality is 2015's most worrying trend | The World Economic Forum
4) Cities Use Demolition to Fight Blight | Realtor Magazine
5) What is TLC [True Lifestyle Cost] – YouTube
6) BBC News – The era of global government?
7) A Plutocrats Summit? by Wayne Swan – Project Syndicate
8) Upstart firm sharply cuts commission on home sales | Business & Technology | The Seattle Times
9) US Internet speeds vary wildly state-by-state, US Census Bureau says | General News
10) Bill Black: Financial Regulations In Paralysis – YouTube
11) Improve Your Home Energy Efficiency
12) US Economy: The Disconnect between Reality and Perception | BlackRock Blog | Global Market Intelligence
13) Kansas Announces Big Budget Gap; True Gap May Be Even Larger – NYTimes com
14) Naomi Klein's "Hard-Money" Ideas Undermine Her Laudable Climate Action Goals – New Economic Perspectives
15) DSGE is a plutocratic tool | Real-World Economics Review Blog
16) Revealed: how coalition has helped rich by hitting poor | Politics | The Guardian
17) Spotlight falls on Europe's stuttering economy | Reuters
18) Bank of America Won't Loosen Mortgage Standards, CEO Says – Bloomberg
19) BBC News – Oil prices likely to fall further, says IEA
20) TTIP is about regulatory coherence | VOX, CEPR's Policy Portal
21) China Slowdown Deepens as Targeted Stimulus Fails – Bloomberg
22) Mortgage blog: Banks attempt to defuse Britain's interest-only time bomb | What House | Find your perfect home today
23) Inequality, Unbelievably, Gets Worse – NYTimes com
24) Building collapse in French Quarter frays nerves
25) Number of rental properties available lowest since 2007
26) German Residential Property Prices Rise Most in a Decade – Bloomberg
27) BBC News – Japan's economy makes surprise fall into recession
28) Bank Of England Governor Mark Carney Urges Putting Bankers' 'Fixed Pay At Risk' To Curb Misconduct
29) Ocean warming picks up speed, hits warmest temperatures ever recorded – Chinook Observer
30) Eurozone – lost in stagnation – YouTube
31) All posts published on 'November, 2014' – Backlog Indicator
32) Solar Energy | Mass. Survey Proves (Again) that Home Solar is for All, Not Just the Rich – Solar Energy
33) Is the US Insurance Industry Prepared for Climate Change? – Ceres
34) JACKSON, Miss.: Officials assess fire damage at Miss. Ag Museum | National News | The State
35) Oklahoman says home damaged by Kansas quake
36) Kansans' cost for earthquake insurance is relatively low | The Wichita Eagle
37) Four dead as heavy rains batter north Italy, south Switzerland | Reuters
38) With the foreclosure crisis past, why are foreclosures rising? – OC Housing News
39) Federal Housing Administration back in the black
40) Russian bank risks jump as Europe's halves /Euromoney magazine
41) Europe Headed for a Japanese-Style Lost Decade: Green: Video – Bloomberg
42) Corruption is a first world problem, too – Forum:Blog Forum:Blog | The World Economic Forum
43) Paying the bills is Americans' top financial priority – CBS News
44) Japan PM calls snap election, delays sales tax hike
45) Growing Risk in the Insurance Sector – Economic Policy Papers – Publications & Papers | The Federal Reserve Bank of Minneapolis
46) Measuring Labor Market Slack: Are the Long-Term Unemployed Different?
47) Why the Great Recession may be with us for years – CBS News
⇧ The Ultimate 34-Step Property Management Checklist
The Ultimate 34-Step Property Management Checklist
19. Office process & checklist:
Make a copy of all Lease Signing Documents and mail to tenant within a week, so they have a copy of everything they initialed and signed
In our view, the rental-agreement documents should be done in at least triplicate with all original (wet) signatures. The tenant(s) should be given one, full set of the original, executed documents at the time of execution, not be asked to wait for photocopies. What's your opinion on this?
⇧ Ethics and Infrastructure by Yannos Papantoniou – Project Syndicate
The failed economic ideology (austerity) of German leadership is the problem. Yannos Papantoniou:
…whatever the merits of Germany's commitment to "moral" economic behavior, its stance on fiscal discipline in the eurozone remains dubious. After all, what the eurozone needs now is not to save its weaker economies from default or even to boost long-term growth; rather, it needs to recover lost output and employment, particularly in the southern countries — goals that neither fiscal austerity nor structural reforms can achieve on its own.
In fact, fiscal austerity directly undermines these objectives, depressing demand and discouraging growth. And structural reforms have very limited bearing on short-run performance.
…accelerating public investment must be a key feature of a comprehensive strategy for economic recovery in Europe. Given that it is less controversial than unconventional monetary policies, and will take longer to produce results, it should be given top priority.
It simply is not true that reforms cannot be made without austerity. The problem with those pushing austerity is that they want regressive reforms that hurt those who are less well-off while benefiting those who are already well-off and who caused the problems in the first place.
⇧ Why inequality is 2015's most worrying trend – Forum:Blog Forum:Blog | The World Economic Forum
Greater income- and wealth-equality is good for business. Amina Mohammed:
Addressing inequality is good for business as it creates a new demographic of consumers, thus widening the market for profits and services and increasing profit opportunities, especially for women. Efforts to reduce inequalities and achieve inclusion are a multistakeholder responsibility which will require concerted action at all levels, from local to national, and regional to global.
⇧ Cities Use Demolition to Fight Blight | Realtor Magazine
A deconstruction movement is brewing across U.S. cities, in an effort to combat neighborhood blight and keep dilapidated homes from hampering nearby home prices. Instead of repairing or rebuilding abandoned or foreclosed homes, some cities are taking the bold move to demolish them, paving the way for more open space and parks.
⇧ What is TLC [True Lifestyle Cost] – YouTube
Here's an explanation: Andrea V. Brambila:
The costs of owning a home extend way beyond monthly mortgage payments. Property taxes, utility bills and commuting expenses are just a few of the other factors that affect the true cost of living in a particular home.
⇧ BBC News – The era of global government?
When I asked Australians about what they expect from the G20, the answer that I heard most was that the leaders should address climate change, political instability such as the Ukraine and the Islamic State, and public health challenges like Ebola. There was a uniform expression of surprise when they then heard that the agenda was focused on growth, global governance of issues such as taxation, trade liberalisation, etc. In other words, pure economic issues.
Can economics be separated from politics or public health? The leaders of the labour and civil society groups don't think so.
From what we've read, Ukraine and IS were raised in multiple side-conversations (especially Ukraine).
Also, Linda Yueh posted an update where she states the following: "…after US President Obama mentioned the urgency of dealing with climate change at a speech in Brisbane before the summit, it's unsurprising that it was discussed after all.
"Ebola is also in the final statement.
"So, the G20 didn't just focus on the purely economic issues. I wrote before about how most of these issues are linked to the world economy in any case."
⇧ A Plutocrats Summit? by Wayne Swan – Project Syndicate
Wayne Swan:
At an official dinner in Washington, DC, ahead of November's G-20 Summit in Brisbane, Australia-born media mogul Rupert Murdoch lectured ministers on the dangers of socialism and big government. A fervent opponent of Australia's carbon price, and a battle-hardened opponent of US President Barack Obama, Murdoch lauded the virtues of austerity and minimal regulation, and railed against the corrosive effects of social safety nets.
Murdoch's comments are in keeping with views expressed by his friend, Australian Prime Minister Tony Abbott, and Abbott's current administration. In January, for example, Abbott informed a startled Davos conference that the global financial crisis was caused not by unregulated global markets, but rather by too much governance. This was certainly news to the finance ministers who had spent the past few years struggling with the toxic fallout from financial-sector excess.
Structural reforms, in which certain interests are sacrificed for the greater good, will always be controversial and difficult to execute. But when such reforms involve sacrifices by ordinary citizens and benefit society's most privileged groups, political gridlock and instability invariably follow.
Over the past two years, academics, regulators, economists, and financial institutions have all linked the secular stagnation in demand with greater income inequality. It is ironic that, at a time when many in the developing world are entering, or aspire to enter, the emerging middle class, wealth in much of the developed world is becoming more concentrated at the top.
With just days to go until the Brisbane meeting, the G-20 is ignoring the main long-term threats to the global economy. As the Bank of England's Governor Mark Carney (who I assume also heard Murdoch's lecture) remarked earlier this year, "[U]nchecked market fundamentalism can devour the social capital essential for the long-term dynamism of capitalism itself." IMF Managing Director Christine Lagarde recently put it more starkly, noting that the world's 85 richest people control more wealth than the world's 3.5 billion poorest people, and that this degree of inequality is casting a dark shadow over the global economy.
Inequality is not a fringe issue. Combating its rise is essential to achieving sustainable economic growth and political stability.
We wholeheartedly agree with Wayne Swan.
⇧ Upstart firm sharply cuts commission on home sales | Business & Technology | The Seattle Times
Commission war:
In a bid to disrupt the real-estate industry, Seattle brokerage Surefield is slashing the total commission its customers will pay to sell their homes from 6 percent to 1.5 percent.
⇧ US Internet speeds vary wildly state-by-state, US Census Bureau says | General News
New data from the US Census Bureau has determined that high-speed Internet access can vary widely from state to state.
We wished they would have defined "high-speed."
Is this something you consider when investing?
⇧ Bill Black: Financial Regulations In Paralysis – YouTube
Bill Black knows banks.
… The U.S. attorney general has not begun a single investigation of criminal behavior by top management at major multinational banks. Seemingly there's no real punishment for major misbehavior in the financial markets anymore.
In this interview, Black names names and highlights the extent of the government's complicity in extending this disgraceful state of affairs.
⇧ Improve Your Home Energy Efficiency
Improving energy efficiency is a great home improvement goal. …
1. Improve Energy Efficiency with Insulation
2. Windows, Doors, and Home Energy Efficiency
3. HVAC and Other Appliances
4. Energy Conservation Habits
⇧ U.S. Economy: The Disconnect between Reality and Perception | BlackRock Blog | Global Market Intelligence
Russ Koesterich, Chief Investment Strategist for BlackRock and iShares Chief Global Investment Strategist:
While the economy is growing faster and more jobs are being created, with the exception of a relatively small subset of highly skilled workers, wage growth is not accelerating in any meaningful way. Although overall compensation, including benefits, ticked up in the last two quarters, wage growth remains sluggish. Hourly wages have been stuck at around 2% year-over-year despite faster job growth.
That's all part of why the Fed will not be raising interests rates very soon. The Fed will wait until wages are rising enough to put pressure on prices (not investment securities called assets).
⇧ Kansas Announces Big Budget Gap; True Gap May Be Even Larger – NYTimes.com
For conservatives, a lower revenue estimate would be embarrassing, because it shows the Brownback tax cuts were much more costly than advertised.
We'll watch to see how things turn out, though we already figure the tax cuts were ill-timed.
⇧ Naomi Klein's "Hard-Money" Ideas Undermine Her Laudable Climate Action Goals – New Economic Perspectives
This is fantastic. We couldn't agree more. Michael Hoexter:
Klein's Hard-Money Fetishism is a Political Dead-End
Given that the financial operations of currency issuing governments are a focus among those who analyze economies with the help of Modern Money Theory like myself, some might interpret the above as nit-picking or smart-alec Besserwisserei ("knowing better" as a noun in German) based on seemingly arcane economic theoretical differences. However the political and therefore real-world consequences of Klein's erroneous beliefs about money, transmitted to tens of thousands via her influence, are potentially catastrophic in their effect upon climate action as well as exceedingly dire in the fight against economic and social inequality. To hold only hard-money beliefs as climate activists is to almost certainly organize the defeat of rapid climate action, and, for that matter, the goals of other social movements for realizing the general public good that one might champion.
The notion of politically and economically "going through" the fossil fuel industries is entirely unrealistic and diverts the political energies of activists into a narrow channel that is of marginal importance to building the future. The whaling industry in the United States was not curtailed by anti-whaling activists throwing themselves in front of whaling ships but by the discovery of oil and the use of fossil fuels instead of whale oil for light. Though we are on a more rigid timeline than the decline of whaling in the US, the fossil fuel industry may be slowed by anti-fossil fuel activism but ultimately public and private investment in non-fossil fuel dependent technologies and infrastructure systems will be the resolution and also terminally weaken the economic and, eventually, political power of the fossil fuel industries. Anti-fossil fuel infrastructure activism, like against the Keystone XL pipeline is a good rallying point but it must be paired with an achi evable exit strategy from fossil fuel dependence. Demand and supply must be addressed simultaneously in movement politics.
⇧ DSGE is a plutocratic tool | Real-World Economics Review Blog
We really like reading smart writing. Peter Radford:
…GE [General Equilibrium] is a parallel to Marxist theory: they both posit the ultimate extinction of politics from economic allocation.
Both are idealist illusions presented to us to divert our attention from the growth and meaning of democracy.
…just as the history of democracy is the extension of inclusion, the history of market magic economics is its counterbalance. It is the history of exclusion. It is a defense of the plutocracy via an attempt to neuter the role of government as an active economic agent.
"We the people" is a concept that undoes the pretense, however elegant its math may be, of any theories sitting atop that defense.
We the people assert the right to interfere in the allocative outcomes of the economic process. Indeed we are the active agents within that process. Are we not?
⇧ Revealed: how coalition has helped rich by hitting poor | Politics | The Guardian
Of course:
A landmark study of the coalition's tax and welfare policies six months before the general election reveals how money has been transferred from the poorest to the better off, apparently refuting the chancellor of the exchequer's claims that the country has been "all in it together".
According to independent research to be published on Monday and seen by the Observer, George Osborne has been engaged in a significant transfer of income from the least well-off half of the population to the more affluent in the past four years. Those with the lowest incomes have been hit hardest.
In an intervention that will come as a major blow to the government's claim to have shared out the burden of austerity equally, the report by economists at the London School of Economics and the Institute for Social and Economic Research at the University of Essex finds that:
…the transfer of funds from the poorest half of the country to the more affluent did not contribute to deficit reduction.
It says: "The revenue gains from some tax changes and benefit cuts were offset by the cost of tax reductions, particularly the increase in the income tax personal allowance."
That was the point: say you're doing one thing while knowing full well that the outcome will benefit your economic class while harming others.
⇧ Spotlight falls on Europe's stuttering economy | Reuters
(Reuters) – As large parts of Europe's economy grind almost to a halt, attention will focus this week on the latest assessments of business confidence in the euro zone and Germany, which has just narrowly avoided a recession.
⇧ Bank of America Won't Loosen Mortgage Standards, CEO Says – Bloomberg
Bank of America Corp., which paid more in legal settlements tied to the U.S. housing collapse than any other company, will avoid easing mortgage standards even as regulators seek to expand lending, Chief Executive Officer Brian T. Moynihan said.
"You won't see us start to expand our criteria much past what we've done today," Moynihan, 55, said at a New York investor conference sponsored by Bank of America. "I don't think there's a big incentive for us start to try to create more mortgage availability where the customers are susceptible to default."
Good thinking.
⇧ BBC News – Oil prices likely to fall further, says IEA
…there have been reports that Saudi Arabia, Opec's key member, is not yet willing to turn off the taps. Opec members are due to meet on 27 November to discuss the supply and demand issues.
⇧ TTIP is about regulatory coherence | VOX, CEPR's Policy Portal
Lionel Fontagné, Sébastien Jean:
Size is not what you think
Much has been said about the size of the two economies which together account for almost half of world GDP and a third of world trade. However, the TTIP is to some extent a desperate attempt by both the EU and the US to retain as much as possible their leadership in world trade.
• Strictly speaking, TTIP would only affect bilateral trade between the EU and the US, which in 2011 represented 4.4% of world trade.
Indeed, the EU-US share in world trade has declined sharply in this century. This is to be compared with the corresponding figure for the ASEAN+6 countries of 16%.
• On current trends, the EU and the US would jointly account for only 22% of world trade in 2035, compared to 37% for ASEAN+6, and trade between ASEAN+6 members (17%) would dwarf that between transatlantic partners (2.4%).
TTIP will not reverse this….
⇧ China Slowdown Deepens as Targeted Stimulus Fails – Bloomberg
Credit growth in China weakened last month, adding to signs that the world's second-largest economy slowed further this quarter and testing policy makers' determination to avoid broader stimulus measures.
"Sluggish domestic demand and risk-aversion among commercial banks dragged credit growth," said Zhou Hao, a Shanghai-based economist at Australia & New Zealand Banking Group Ltd. "Disappointing monetary data suggest overall growth will remain soft in the last quarter."
"While a lag is possible, generally I believe that targeted easing so far are not effective enough to support China's slowing growth momentum,'said Shen Jianguang, chief Asia economist at Mizuho Securities Asia Ltd. in Hong Kong. Shen said he expected conventional instruments such as RRR or interest rate cuts as soon as December.
Despite recent liquidity injections, the PBOC is "seeking to keep credit growth on a downward trajectory," said Julian Evans-Pritchard, China economist at Capital Economics Ltd. "The central bank's current targeted approach remains consistent with its goal of keeping borrowing costs low while at the same time addressing credit risks and slowing the pace of overall credit growth."
⇧ Mortgage blog: Banks attempt to defuse Britain's interest-only time bomb | What House | Find your perfect home today.
Plans to tackle Britain's interest-only mortgage time bomb are set to see several major banks offer tailored deals to borrowers in their 50s and 60s who face a shortfall when their mortgage term ends.
Lifetime mortgages set to allow older borrowers to stay in their homes
Under the scheme, lenders will allow customers to repay just the interest on their debts until they die if they agree to hand the keys to the property over to the bank, rather than to a family member, when they die.
It's renting after losing all equity.
⇧ Inequality, Unbelievably, Gets Worse – NYTimes.com
Steven Rattner:
…once the effect of government programs is included in the calculations, the United States emerges on top of the inequality heap.
Critics from the right argue that doing more to level the income pyramid would hurt growth. In a recent paper, the International Monetary Fund dismissed that concern and suggested that a more equal distribution of income could instead raise the growth rate because of the added access to education, health care and other opportunities.
⇧ Building collapse in French Quarter frays nerves
NEW ORLEANS (AP) — The collapse of a 210-year-old building in the heart of the French Quarter is raising warning flags about decay and a lack of rigorous inspections in one of America's oldest and most fragile neighborhoods.
⇧ Number of rental properties available lowest since 2007
Fewer than 5,400 properties were available to rent nationwide on November 1st, the lowest number since 2007, according to a quarterly report from property website Daft.ie.
And there were fewer than 27,000 properties listed to rent in Dublin in the first nine months of this year, compared to more than 47,000 in the same period in 2011. The report also found rents have risen more than 11 per cent in the past 12 months, with average rent now at €933 a month.
⇧ German Residential Property Prices Rise Most in a Decade – Bloomberg
German home prices rose at the fastest rate in at least 10 years in the third quarter as investors bought apartment buildings at a time when low interest rates make other investments less attractive.
Values climbed 5.2 percent from a year earlier, with multifamily houses gaining 7.2 percent, according to an index published today by the VDP Association of German Pfandbrief Banks. Prices for owner-occupied condominiums gained 2.6 percent as momentum in that market slowed following bigger gains in the previous three years.
Apartment buildings "continue to be sought after by institutional and private investors alike," said Jens Tolckmitt, VDP's chief executive officer. "The very low interest rate and the resulting search for attractive yields on investment support this trend."
⇧ BBC News – Japan's economy makes surprise fall into recession
Hardly unexpected:
Japan's economy unexpectedly shrank for the second consecutive quarter, leaving the world's third largest economy in technical recession.
Gross domestic product (GDP) fell at an annualised 1.6% from July to September, compared with forecasts of a 2.1% rise.
That followed a revised 7.3% contraction in the second quarter, which was the biggest fall since the March 2011 earthquake and tsunami.
Economists said the weak economic data could delay a sales tax rise.
It will.
⇧ Bank Of England Governor Mark Carney Urges Putting Bankers' 'Fixed Pay At Risk' To Curb Misconduct
Mark Carney is growing on us.
In order to reduce "excessive risk-taking and misconduct by staff" new rules might be needed to link bankers' fixed pay to future banking industry fines, Mark Carney, governor of the Bank of England (BoE) said on Monday. His statements come just days after a number of major global banks were fined a total of over $3 billion for the attempted manipulation of benchmark rates in foreign exchange markets.
"Standards may need to be developed to put non-bonus or fixed pay at risk. That could potentially be achieved through payment in instruments other than cash," he said. "Senior manager accountability and new compensation structures will help to rebuild trust in financial institutions."
Carney cited a proposal by William Dudley, president of the Federal Reserve Bank of New York, in which the latter reportedly suggested the creation of a "performance bond" for senior officials so that when regulatory fines are levied against a bank, a "sizeable portion" is deducted from the compensation offered to these senior managers.
⇧ Ocean warming picks up speed, hits warmest temperatures ever recorded – Chinook Observer
University of Hawaii study suggests that rapid warming of ocean has resumed after decade-plus pause
PACIFIC OCEAN — This summer saw the highest global mean sea surface temperatures ever recorded since systematic measuring started, University of Hawai?i at Manoa researchers said last week.
Temperatures exceeded those of the record-breaking 1998 El Niño year, according to the analysis of recent climate data by University of Hawai?i at Manoa Professor Axel Timmermann, a climate scientist studying variability of the global climate system at the International Pacific Research Center.
⇧ Eurozone — lost in stagnation – YouTube
The eurozone returned to growth with a better than expected 0.2% expansion in Q3. Ferdinando Giugliano and Christopher Thompson, discuss how despite some good news from the bloc's periphery, the European Central Bank may need to deploy new monetary weapons to stave off the risk of a 'lost decade'.
⇧ All posts published on 'November, 2014' — Backlog Indicator
Associated Builders and Contractors (ABC) Construction Backlog Indicator (CBI) reached a new all-time high during the third quarter of 2014 at 8.8 months, eclipsing the previous all-time high of 8.5 months in the second quarter of 2014. The 2014 third quarter backlog is 6.9 percent higher than the third quarter of 2013 and the continued growth of backlog during the last six months likely indicates that 2015 will be a strong year of recovery for the nation's nonresidential construction industry.
Well, we really need to see higher wages and more hours for this to be sustainable. We're also all up in the air waiting to see what the Saudis do regarding global oil prices.
We're for a post-carbon economy, but we also know that going cold turkey before society has ramped up alternative sources enough will crush the economy.
We believe fracking is a decidedly bad idea for a whole host of reasons, but we must state here that Saudi pressure on oil prices will be a double-edged sword. It will harm the US oil industry while making fuel cheaper for the rest of the US economy: good and bad news mixed together even while we want an end to fracking as soon as possible.
⇧ Solar Energy | Mass. Survey Proves (Again) that Home Solar is for All, Not Just the Rich – Solar Energy
In Massachusetts, solar power is truly the people's power, according to a recent survey from New England Clean Energy (PDF). The small but telling study of NECE customers found that 67 percent of its 250 respondents pulled down less than $150,000 a year, while only 13 percent earned over $200,000 or more. More than a third earned under $100,000, and 10 percent earned under $50,000, illustrating quite clearly that solarization in Massachusetts — "with or without financing," NECE noted — isn't just a one-percenter phenomenon. Home solar is for everyone, especially the middle class.
⇧ Is the U.S. Insurance Industry Prepared for Climate Change? — Ceres
2012 was the warmest year on record in the lower 48 states and the second most extreme weather year in United States history. Insurers are increasingly acknowledging that extreme weather has become the new normal, yet a new report from Ceres finds that many in the industry are only just beginning to think about how to address the effects climate change may have on their business — while a small group of companies is leading the way.
⇧ JACKSON, Miss.: Officials assess fire damage at Miss. Ag Museum | National News | The State
JACKSON, Miss. — A two-alarm fire at the Mississippi Agriculture and Forestry Museum was believed to have started in a barn, but fire investigators were sifting through the charred debris to determine the exact cause, fire officials said Friday.
⇧ Oklahoman says home damaged by Kansas quake
Enid resident Roy Semrad, who lives about 80 miles south of where the temblor struck, says his home sustained foundation damage, has ceiling tiles out of place and gaps in the walls, among other damage.
⇧ Kansans' cost for earthquake insurance is relatively low | The Wichita Eagle
Wednesday's quake was the 131st in Kansas this year. The previous record was last year, 32 quakes, including one of 4.3 magnitude.
In the 35 years before that, the state averaged 5.5 quakes a year, none bigger than a 4 magnitude.
Seismologists are bringing in more equipment to study why southern Kansas and northern Oklahoma have been hit with a rash of earthquakes in the past couple of years after decades of seismic tranquility. Some evidence points to oil and gas production activities.
We believe it's the fracking.
⇧ Four dead as heavy rains batter north Italy, south Switzerland | Reuters
Four people died when mudslides hit their homes in the border area between Italy and Switzerland overnight on Saturday, and a fifth was missing near the Italian port city of Genoa after days of torrential rains and flooding.
⇧ With the foreclosure crisis past, why are foreclosures rising? – OC Housing News
Larry Roberts:
The foreclosure crisis never ended, it was merely delayed by lender can-kicking. Bankers designed policies to promote loan modification over foreclosure, specifically to drive down the reported delinquency rates. Further, HUD sold off non-performing loans to hedge funds that don't report their delinquencies, which also lowers the reported rate.
⇧ Federal Housing Administration back in the black
After bleeding cash for the past two years, the government insurer of home loans, the Federal Housing Administration, is now seeing significant gains in its insurance fund and will no longer need emergency cash. It is not, however, lowering the cost of an FHA loan for consumers.
It needs to be extremely careful about lowering lending standards again.
⇧ Russian bank risks jump as Europe's halves /Euromoney magazine
The article starts out discussing Russia, but we found the following as, or more, salient. Regardless, Russia and Germany are both being harmed by sanctions against Russia.
Michael Rockinger, of CRML, says: "There are signs systemic risk are rising in some European countries. French and Italian banks have seen rapid increases in capitalization during 2014 of 23% and 14% respectively compared to much more modest increases in the UK and Switzerland. In Germany, there has actually been a reduction in capitalization."
Deutsche Bank continues to be the riskiest bank in Europe with an SRisk rating of €70 billion, followed by BNP, Barclays, Crédit Agricole and Société Générale.
⇧ Europe Headed for a Japanese-Style Lost Decade: Green: Video – Bloomberg
Manulife Asset Management Chief Economist Megan Greene discusses the biggest threats to global growth, the state of the Euro Zone recovery and the recession in Japan with Bloomberg's Mark Barton, Anna Edwards and Manus Cranny on "Countdown."
⇧ Corruption is a first world problem, too – Forum:Blog Forum:Blog | The World Economic Forum
Poor countries have highly visible corruption, mostly because of underdeveloped governance frameworks and lax judicial systems. Rich countries may have more robust structures, but the forms of corruption within them are more sophisticated. In many ways this sophistication is more insidious, as it supports graft in emerging markets.
⇧ Paying the bills is Americans' top financial priority – CBS News
Close to 12 million U.S. adults, or 5.3 percent of Americans with a credit file, have nonmortgage debt at least 30 days past due. And to become current on that debt, those folks need to pay, on average, more than $2,200.
Meanwhile, 77 million people, or more than one-third of American adults with credit files, also have some sort of debt in collections, to the tune of over $5,100 on average.
⇧ Japan PM calls snap election, delays sales tax hike
Japanese Prime Minister Shinzo Abe called a snap election on Tuesday, and announced a delay in the second sales tax hike by 18 months after the country fell into recession.
Well, the snap election idea is a mistake as is simply delaying the tax hike. He should have said the tax-hike idea is dead. In fact, he should have said that the earlier hike would be reversed while announcing more stimulus.
So called "restructuring" should not come until the economy has been revved up for at least a year.
⇧ Growing Risk in the Insurance Sector – Economic Policy Papers – Publications & Papers | The Federal Reserve Bank of Minneapolis
The financial crisis of 2008 exposed important vulnerabilities in the banking sector. In its aftermath, considerable academic effort has been devoted to better understanding banking risks, and policymakers around the world are developing new regulations to contain those risks.
Our recent and ongoing work shows that there are also important risks in the insurance sector. Although these risks have been growing rapidly over the past 15 years, they have received relatively little attention from academics and regulators. If unaddressed, these risks could cause severe problems. Insurance is a large share of the financial sector. For example, U.S. life insurance liabilities amounted to $4.1 trillion in 2012, compared to $7 trillion in U.S. savings deposits. Moreover, as the largest institutional investors in the corporate bond market, insurance companies serve an important role in real investment and economic activity.
⇧ Measuring Labor Market Slack: Are the Long-Term Unemployed Different?
Rob Dent, Samuel Kapon, Fatih Karahan, Benjamin W. Pugsley, and Aysegül Sahin:
…we find that long-term unemployed workers are not less attached to the labor market than short-term unemployed workers. If anything, the long-term unemployed group has the largest share of prime-age workers, the age group likely to have the strongest labor force attachment. We also see that long-term unemployment is an economy-wide phenomenon, spread across industries and occupations. While there may be unobservable characteristics of long-term unemployed workers that make them less attached to the labor force, when looking at their observable characteristics, it's hard to argue that they should not be considered as part of labor market slack.
⇧ Why the Great Recession may be with us for years – CBS News
Mark Thoma:
…shocks are not fully reversed over time as economists have long believed. What does that mean in practice? In the job market, it could mean that the long-term unemployed never find work.
If the Fed researchers are correct, that has enormous implications for what might be necessary to help the U.S. economy get back on track. Government policies to maintain employment — by modernizing the country's aging roads, bridges and other infrastructure, for example — may avoid some of the permanent effects of the cataclysm that followed the 2008 financial crisis.


text:
We have our third speaker! As an alumni of the Bristol Centre for Functional Nanomaterials, we are excited to be welcoming Dr. James Armstrong back to Bristol.
James received a PhD in Functional Nanomaterials from the University of Bristol in 2015. Later that year, he started a 3-year Arthritis Research UK Fellowship at Imperial College, working with Professor Molly Stevens. His research interest is predominantly in developing new biotechnologies to advance further stem cell based regenerative medicine. In particular, he is interested in using remote manipulation techniques (optical, acoustic, magnetic) and 3D bioprinting strategies as tools for smart cell culture and next-generation tissue engineering.

subset: commoncrawl


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Kitchen. Published at Tuesday, November 20th 2018, 02:30:43 AM by marissa.
Castle kitchen is a kitchen that built in a style of a castle. This kitchen style is commonly built with the concrete material as the wall as well as the castle is. Not only the wall that has built as the castle but also the kitchen furniture. The kitchen furniture are usually made and shape resemble with the castle style. The table and chair usually create in glossy and ancient shape with wooden material as the material. This kitchen style is commonly used by upper class people. It is because the materials that needed to create this are expensive.
Show Your Class with Castle Kitchen
The materials that use to create this kitchen have the expensive price. That is why this kitchen shows that the owner of the house is an upper class person. The way to choose this kitchen to show the class is fully correct. But to get this kitchen completely built, the time will be taken too much because this kitchen must be prepared and planned as well as possible. Like the other room, kitchen is also being considered as the place of the house that must be built with strong foundation.
Make Your Own Castle
As the kingdom building, castle has the characteristic of ancient building. Considered as the castle style, the kitchen may have overcast lighting. But do not hesitate to change the typical lighting of castle with the brighter lighting. This is because today is not the ancient time that only uses torch or candle as the main lighting. You can change this ancient lighting to the modern lighting such as electric lamp. The furniture of the kitchen also should not be like the real castle looks. You can also combine the modern furniture to make it in good combination between modern and ancient time.
Tags: design. beautiful. kitchens. medieval. rustoleum.
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Stanley Green, "Broadway Musicals Show by Show," Hal Leonard Corporation, 1996
W. Terence Gordon,"Marshall McLuhan, Escape into Understanding," Basic Books, 1997.
Martin Gottfried, "All His Jazz: The Life and Death of Bob Fosse." Bantam Books, 1990
Pau Richard Kislan, "The Musical – A Look at the American Musical Theater," Applause Books, 1995
Paul Levinson, "The Digital McLuhan." Routledge, 2001
Marshall McLuhan, "Understanding Media." New American Library, 1964
Marshall McLuhan, "Counter Blast." 1972
Meryle Secrest, "Somewhere for Me; A Biography of Richard Rodgers," Alfred A. Knopf, 2001
Darcy Tell, "Times Square Spectacular." Smithsonian Books, 1997
Susan Tifft and Alex Jones, "The Trust; The Private and Powerful Family Behind The New York Times," Little, Brown, 1999
James Traub. "The Devil's Playground." Random House, 2004
Cliff Kuang, "Giant Model in Spy Tech-Powered Billboard Plucks, Chucks Times Square Visitors." Fast Company, June 25, 2010
Sam Roberts, "Something Fresh Wafting Up from a Times Square Grate: Art." New York Times, March 26, 2006
Dr. Eric McLuhan interviewed by Laureano Ralon,Figure-Ground Communications, August 1, 2010
Space Times Square.net
Plus. Maths.Org, "How Math Killed Lehman Brothers." June 1, 2009
CollectionsCanada.gc.ca, Robert Babe, "McLuhan and the Electronic Archives."
Walter Fox, "The Daily Newspaper and Urban Popular Culture," netreach.net
Stefan Kanfer, "Vaudeville's Brief, Shining Moment," City Journal, Spring 2005


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It happened today - June 24, 2016
On this date in 217 B.C., June 24, Hannibal Barca inflicted a crushing defeat on the Romans at the Battle of Lake Trasimene in central Italy. Along with his subsequent annihilation of an entire Roman army at Cannae, eight legions, between 48,000 and 70,000 men, it crushed Rome decisively.
As Victor Davis Hanson notes, the astounding thing about Rome is that the result of such defeats, long before it became a world power, was not collapse but fresh armies arising from the citizens one after another. Hanson has been criticized for his thesis about the superiority of the Western way of war, including because Hannibal did win these battles, forcing Rome to fight a long, defensive, harassing war, avoiding decisive conflicts and wearing Carthage out. But the fact is that they did wear Carthage out. And no amount of rationalizing can conceal the fact that for 2,500 years, wars between Western and non-Western nations have been absurdly lopsided.
Even the wars the West loses, like Vietnam, see enormously higher casualties on the other side.
The Punic War is a partial exception. At Trebia in 218 B.C., though numbers from ancient battles are notoriously unreliable, the Romans seem to have lost between five and seven times as many as the Carthaginians despite having superior numbers. At Trasimene itself, Hannibal had superior numbers coming in, and again his forces suffered perhaps one-sixth the casualties of the severely beaten Romans. At Cannae, the most perfect encirclement battle in history, it was 10 to one. (Curious coincidence: one of the Roman commanders at Cannae, along with the fatally impetuous Gaius Terentius Varro, was Lucius Aemilius Paullus. In the second most perfect encirclement battle in history, at Stalingrad in World War II, the losing commander was von Paulus. It doesn't mean anything. It's just weird.)
So here's the thing. Why didn't Rome collapse? Why were they able, after such losses on their own doorstep, estimated at one-fifth of all male citizens over 17, with southern Italy revolting and joining Hannibal's cause, to raise fresh armies, slog on, and win?
Sure, details matter, including the wisdom of putting Fabius Maximum back in charge after Cannae to resume the delaying and harrying tactics that had so frustrated them that they'd let Varro rush into that disaster. And the reorganization of battle tactics to provide greater flexibility after Hannibal had repeatedly outmaneuvered their standard unwieldy formations. But all of this, the capacity to do it and the resilience to make it stick, have deeper roots.
If Trasimene had proved fatal to the Roman cause, along with Trebia and if necessary Cannae, it would be wholly unremarkable. That it did not is therefore necessarily remarkable. Something was different about Rome, something that is still different about the West.


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Reef Technologies is a fully remote Python software house.
It means you can work with us no matter where you live: from home, rented office or a beach in Thailand.
Coding is exactly what you will do, while we take care of the customer service.
Sounds fair and catchy? Great! Let us know that you would like to work with us.
Senior Python Developer (Backend)
Salary (B2B): 3200-4400 USD / Month (full time) or 22-30 USD / h (part time)
We require considerable experience with Python and ability to create high quality code. Also command of English in speech and writing (at least at B2 level) to communicate with the team freely are our must-haves.
We value your attitude towards communication skills, being honest, humble and respectful of others. You can find out more about us and our policy from Reef Technologies Handbook and Clutch profile.
- CEO who is an active developer, cares about code quality and satisfied customers
- support of developers with 8-16 years of experience, Buddy System to help you get started
- flexible working hours in flexible location (you can work from home or desk funded by the company in a co-work close to you, or... from anywhere, really)
- We use Sociocracy 3.0 system what means that every opinion or suggestion is taken into consideration, and you will have a say on what you will work on (we reject boring projects all the time)
- TDD, DDD, pomodoro, slack, github, Skype, google suite, licenses, cloud servers, books, conferences, open source, tool-assisted code review (also tests and CI)
Reef Technologies recruitment process:
- 1st step: 30-minute-video-interview via https://zoom.us
The interview consists of 2 parts:
- checking your English speaking skills
- checking your coding skills (small task)
- 2nd step: test mini-project
After completing this you will get code review feedback, whether you pass it or not
- Final step: video call with CEO
- financial data warehouse which aggregates over 22 000 timeseries into a couple hundred charts for a fintech company from London
- AI video content analyzer/searcher for drone pilots from Detroit, MI
- two e-commerce applications for a customer from Washington, DC
- bitcoin derivatives trading bot for a customer from Boston, MA
- sales data analysis tool for a fintech company from Chicago, IL
- hydrant certification report generator for Australian plumbers
- paper product level tracker for toilet cleaners from Canada
- revenue optimizer for large private GPU compute clusters in North America
- crypto-exchange clients for a fintech company from Pittsburgh, PA
- download accelerator for a cloud storage provider from San Mateo, CA
- shopify integration for an innovative healthcare company from Canada
"I agree to the processing of personal data provided in this document for realising the recruitment process pursuant to the Personal Data Protection Act of 10 May 2018 (Journal of Laws 2018, item 1000) and in agreement with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation)".


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Inviato: Gio Ago 16, 2018 9:26 am
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Russian President Vladimir Putin gives a speech during the meeting with his authorized representatives ahead of the presidential elections in March at the Gostiny Dvor shopping mall in Moscow
, Russia, Jan. 30, 2018. (XinhuaWu Zhuang)
MOSCOW, Jan. 30 (Xinhua) -- Russia is still ready to mend tieswith the United States despite the prospect of new sanctionsbrought by Washington's newly released "Kremlin list," RussianPresident Vladimir Putin said Tuesday.
The U.S. Treasury Department late Monday published a list of 114Russian political figures and 96 business leaders widely seen aspotential targets for new sanctions
, although the documentspecifies that it should not be interpreted as a sanctionslist.
"It is definitely an unfriendly act. It complicates Russia-U.S.relations, which are in a difficult situation even without this,and it also causes damage to the international relations ingeneral," Putin said at a meeting with the trustees of hispresidential campaign.
While underscoring that Russia cannot "surrender positionsendlessly," the president said that Moscow is not interested insevering ties with Washington.
, it wanted to develop stable relations with Washingtonbased on international law and the two major nuclear powers areexpected by their peoples to "build up their ties in a modern waywith respect to each other," he said.
"We are not going to pick a fight and to aggravate thesituation. We want and will be building relations patiently, as faras the other side is ready, the American side in this case," Putinsaid.
He said Moscow had expected the publication of the list and wasready to take steps in response
, which "could drive our relationstowards an absolute zero."
However, Russia would refrain from such steps for the time beingand would attentively monitor the development of the situation,Putin said.
According to the Treasury, each figure in the "Kremlin report"has an estimated net worth of 1 billion U.S. dollars.
The document also has classified annexes, which includeindividuals with a lower official position or with a net worthbelow 1 billion dollars
, as well as companies with state ownershipof at least 25 percent and with 2016 revenues of 2 billion dollarsor more. Enditem
The Kremlin said on Monday it did not regard opposition leader Alexei Navalny as a political threat to the upcoming presidential election and that protests he had organized on Sunday had been sparsely attended in places.
Navalny, who has been barred from running over what he says is a trumped-up suspended prison sentence, has called on voters to boycott what he says will be a rigged election on March 18.
Opinion polls show incumbent President Vladimir Putin is on track to be easily re-elected.
Though unlikely to influence the result, Navalny's call for a boycott attracted thousands of protesters to rallies across Russia on Sunday, which saw the opposition leader detained by the police for several hours.
Kremlin spokesperson Dmitry Peskov told reporters on a conference call on Monday it was unlikely that anyone could compete with Putin in the race.
"Putin is an absolute leader in the public's opinion
, a leader of the political Olympus, with whom at this stage it is unlikely anyone could compete," Peskov said.
He said some of the protests had been thinly attended.
Asked whether the Kremlin considered Navalny a threat, Peskov said "no."
Around 1,500 protesters converged at a square adjacent to the Kremlin on Sunday
, with hundreds also attending rallies in St. Petersburg, Russia's second-biggest city, in Yekaterinburg in the Ural mountains, and other major centers.
Moments after Navalny appeared at Sunday's rally in Moscow he was wrestled into a patrol wagon and taken into detention.
He was released around midnight without charges, his lawyer Olga Mikhailova said
, but would face court at a later date.
After surprising pretty much everyone with solid growth in the first half, China's economy has continued to motor along nicely with a flurry of data for August expected to show momentum will largely hold up through to the end of the year despite tighter policy.
Annual growth in the Chinese economy picked up to 6.9 percent in the first six months of the year, as brightening global demand boosted Chinese shipments and resilient domestic consumption helped to cushion the impact of policymakers' efforts to reduce debt and cool the property market.
The growth momentum has surprised most China observers, especially in light of the Chinese government's campaign to wean the economy off a years-long debt-fueled binge, with early fears of a sharper downturn well and truly put to bed.
According to a Reuters poll of analysts
, over the next few weeks a flurry of data for August is likely to back market expectations for growth to taper off only modestly from the first half's pace, with some areas of the economy such as smaller firms seen bearing the brunt of tightening financial conditions.
On the whole, the August data set should support views that China's economy will be in good shape heading into a key Party meeting and give policymakers a comfortable cushion through to the end of the year to deepen much-needed reforms.
China's economic numbers so far have been encouraging for world trade even as risks to the global economy have increased this year from rising US protectionism and growing tensions in the Korean Peninsula.
Strong factory reports last week showed strength in the industrial sector continued through August, while Chinese demand has lifted commodities prices from steel to iron ore and underpinned a resurgence in global growth.
Most economists now forecast China's economy will slow only moderately through the end of the year and handily beat the government's 2017 growth.
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President-elect Donald Trump will nominate a Michigan school choice advocate to serve as his Secretary of Education.
Conservative activist Betsy DeVos is a strong supporter of school voucher programs.
DeVos is a billionaire, a philanthropist and a former chair of the Michigan Republican Party.
DeVos has also long been a supporter of charter schools. She backed an unsuccessful ballot proposal in 2000 that would have let public funds flow to students who enrolled at a non-public school.
Her husband, Dick DeVos, ran for Governor of Michigan as a Republican but lost to Democrat Jennifer Granholm.
During the presidential campaign Trump vowed to invest billions of dollars in school choice programs and said he would shrink or eliminate the U.S. Department of Education.


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Woodside of Glasslaw Guesthouse4
Toucks,, Stonehaven, AB39 3XQ
Price FromView Rooms
- Excellent
- 123 guest reviews
"There was a good balance between the personal touch of a b&b and the space to be alone..."
"This great B&B is very close to the A90 and the accommodation is excellent. Set in the countryside, very peaceful place but also close enoug..."
"Very friendly and comfortable stay..."
"Hard to fault, but some might prefer to be in walking distance of town..."
"very tasteful, elegant period décor, large spacious room, well away from main road, well furnished throughout, - only issues were noise from..."
About the hotel
One and half miles to the South of Stonehaven, a short drive takes you to the harbour where you will find interesting pubs and Restaurants and the historic Tolbooth Museum.
The shops and facilities are only a very short drive away.
When you arrive at the Reception area of Woodside of Glasslaw you are made very welcome by your host Aileen Paton.
As well as providing comfortable accommodation in pleasant surroundings, Aileen's knowledge of the area will ensure you know where to find the popular eating places, pubs, visitor attractions etc. Stonehaven is 15 miles (24 km) south of Aberdeen, in a sheltered position on Stonehaven Bay between the Carron Water and the Cowie Water.
We like to cater for small groups please contact for competitive rates.
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- The price shown is based on the occupancy and dates you have searched for. Prices and availability are subject to change based on the arrival date, number of nights and occupancy searched for. All prices are inclusive of all local taxes.
- Pets are allowed
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98% would recommend it to a friend
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There was a good balance between the personal touch of a b&b and the space to be alone...
Lovely place!
This great B&B is very close to the A90 and the accommodation is excellent.
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It's not about making it safer...
it's about making it SAFE!
it's about making it SAFE!
We would greatly appreciate if you would take a couple of minutes to provide us feedback and let us know how we did. By leaving a review you can help our new customers gain insight of what it's like to use our services!


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In a recent survey conducted by the Anglican Church in Gambella, Ethiopia, it was found that an average of 2 to 4 children survived per an average of 9 to 11 children born into the family. Most of these children die under age 5 from communicable disease and malaria.
With the support of Anglican Aid, a three year training program for the Mothers Union has started to address issues of poverty and health. The Mother's Union is an integral part of the Anglican Church in Gambella, and is actively engaged in literacy programs, church activities, practical help, prayer and visitations to the sick. The new training program will expand the role of the Mothers Union, providing theological and practical skills to women across 70 villages. This will be done through a 'train-the-trainer' program, which will empower women to affect change in their own communities.
Dr. Wendy LeMarquand, the project co-ordinator, reports on the first training session. "On September 4th and 5th, we hosted 34 women representing 20 distinct Mothers' Union groups functioning out of our 14 Mission Centres spread throughout the Gambella region.
It was wonderful to see how intently the women listened to the introductory story dealing with issues of how we learn and how we can work together to help take care of problems in the community. And it was a delight to see how much they enjoyed using pictures and story-telling as they later practiced teaching this to one another! They had lots of fun looking through magnifying glasses and binoculars in the session on how we are able to see things that contaminate water, and they were amazed (and quite horrified!) at the pictures of microorganisms shown to them on my computer!
Our practice sessions on solar water purification, water filter construction, clean water dispensers and dish drying racks were full of laughter, good questions and good discussion. When each of the representatives left to return to their Mission Centres, they carried the materials to make their own clean water dispensers, carrying these simple, inexpensive and locally available items as if they were carrying costly treasure.
These 'water dispensers' that our representatives will make during their own community demonstration/teaching sessions will replace the common open (and never washed) communal pot of water (which is usually kept inside the church office, in the dark), and into which one unwashed cup is passed from one coughing adult to one feverish child, to another with diarrhea, etc.
Some were moved to tears to think that what they are learning may save the lives of their precious children. To think that the occurrence and re-occurrence of diarrhea is something that can be taken care of and prevented was a new concept to many. To communicate these important truths in a way that is fun, non-judgmental and memorable is one of the main goals of the program.
Our Mothers' Union representatives will return to teach what they have learned by holding a teaching day for all of our 1500 Mothers' Union members at the Mission Centres, and then by holding a second teaching day at our 60+ local churches where each Mothers' Union member is encouraged to invite and teach at least one community guest.
The Mothers Union in Gambella requires further support for these training sessions. Please contact Bishop Grant and Dr Wendy LeMarquand for further information


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|A manicured side yard walkway leads visitors to the porch.
|This apartment building walkway has been turned into a lovely shared garden.
I really have a ridiculous amount of work to do in the yard and house right now, as well as in my office. The house is trashed, the yard's a mess, the laundry hampers are overflowing, my office is piled with half-finished projects. So, I'm working hard on all these things, right? Wrong! I dressed in workout clothes today, trying to motivate myself to get some exercise in while my little one was at school, but all I managed was a walk down to the lake. Then I sat on our dock for a long while enjoying the clear water and cool breeze. Other than that, I did get out to the garden for some weeding and cabbage worm pest patrol and that's pretty much it. I could go lift some weights or clean a bathroom or two, or mop the floors, but I decided my blog needs me far more!
|The formality of this yard is accentuated by the Harlequin paver pattern of this side patio.
I am just tired beyond belief. Last night we took the kids to our little town carnival and we all got to bed late. My stomach is really protesting the pizza and funnel cake I ate there, too. Once you're out of the practice of eating processed food your body rebels when you re-introduce it. With good reason, too, once you understand what that stuff is doing to you! Every so often it's a good idea to remind yourself how bad that kind of food makes you feel so you're less tempted to relapse. I did read some great articles on nutrition and the endocrine system this morning. Here's the link: http://wellnessmama.com/5425/balance-hormones/. Follow this post to the Leptin post and watch the video at the end. It's great stuff! You can also find more like this in my Health folder on Pinterest.
|Plants, pretty chairs, and garden art turn this side entrance into a relaxing retreat.
I shipped some things and worked on the financials for my store, as well, so I guess it wasn't a totally wasted morning. Tonight I have to cook, drive the band carpool, and I'm supposed to be at two parent meetings at two different schools, but at the same time! I tried to get Jerry to go to one for me but couldn't talk him into it. I'm tempted to skip both. I've already signed up as a volunteer for both events the meetings concern, so why do we need to meet again? I am so tired of these endless and so often superfluous meetings. Maybe I will take a nap instead!
|Tropical plants become part of the structure of this courtyard, forming a side wall.
But enough of all that. This is turning into one of my "Seinfeld" posts, as Jerry calls them: all about nothing! As you know if you're a regular reader, we just returned from New Orleans and I collected many ideas for landscaping there. I was especially impressed with the NOLA gardeners' use of all their landscaping space. Every single bit of most yards is landscaped there, and it's wonderful to see the lovely spaces claimed from a scrap of side yard, utilitarian walkway, even garage rooftops! I already showed you some lovely hidden courtyards and gardens. Most of today's spaces are also tucked away. I had to snoop a little aggressively to photograph some of these. Jerry had to wander off and pretend he didn't know me!
|A simple bench and some shrubbery under a live oak creates a side garden room.
Most of these were taken during our accidental Garden District Boot Camp walk. We bought a street car day pass, thinking we would ride the car to the Garden District, look around a bit, and get back on the car to go to The Camellia Grill, a restaurant my sister recommended. Well, after an hour or so of walking in the Garden District we realized we hadn't seen a street car for a while. Turns out, the tracks are being renovated and the cars aren't running their full route. No one bothers to mention this to tourists, however! We had a map in a guide book that made it seem as though the restaurant was only a few blocks away. We didn't realize the map only showed major roads, not the small ones. So, we kept thinking we were almost there. Jerry developed an obsession after a while and decided we were going to eat at The Camellia Grill if it killed us. It took five hours to walk there, eat, and walk back! The food was very good, but I recommend taking the bus!
|Placement of the rounded loggia under the live oaks makes this porch even more private.
While we walked endlessly through the soupy heat I amused myself by taking idea photos I might be able to use in our yard. Right now we have lovely mature shrubs that were planted too close together, so they are on top of each other. In the back we've cut down a seemingly infinite number of small trees and they are piled all over the place waiting for Jerry to rent a chipper/shredder so we can mulch them. Our side yard is a hill topped with red mud that drops off in a sort of little cliff into the neighbor's driveway. We have a patio I've been transforming into a courtyard on the other side. Somehow, while we were away our son managed to water the herb tower in the center of the courtyard, while failing to notice the bone-dry potted citrus trees next to it, or the fence boxes behind it. So, my beloved lemon tree and fence boxes are half dead now. It's safe to say, the yard needs help!
|An enormous vine over this driveway gate creates an oasis in a concrete jungle.
As you can see from these photos, New Orleans has a talent for using spaces usually unclaimed. Almost all the gardens I'm sharing are in side yards or back yards. I love the creative use of plants as hardscaping you see in so many different gardens. Tall trees and shrubs, even flowers, form walls, screens, pathways, and bowers. One yard features an evergreen vine used almost like black eyeliner to pick out interesting architectural details, like rounded steps. The same vine is formed into an arbor over the side yard gate. I have some privets in the back which I think are tall enough to prune into an arch over the path to the vegetable garden. Sometime tomorrow I'm going to try to get out there and see if I can do it.
|Evergreen vines form a side gate arbor and highlight curved stairs.
I hope you enjoy these NOLA inspirations as much as I do! I still have hundreds more photos of exterior home décor ideas and garden art to share.
|This statue tucked in a corner of Jackson Square Park transforms the
maintenance shed behind it into a focal point.
|A very simple garden: just one lovely container on a pedestal between two driveways.
|More plants as structure: living walls direct visitors to this side-entrance apartment.


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The Gift That Keeps On Giving
Chrissy Gray
One massage is great, but knowing you're guaranteed to receive one every single month? You probably feel more relaxed just thinking about it!
That's exactly how she will feel when she receives the gift of a Girl on the Go Spa Membership this holiday season. Here are all of the perks:
- 10-15% off your favorite service every month
- 10% off all retail purchases in our boutique
- Quarterly upgrades and add-on discounts
- A VIP gold card that provides even more discounts at participating businesses around San Diego, such as The Rose Wine Bar and Bottega Americano
- A Girl on the Go tote when you sign up


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Have you seen Masterchef US junior? My God! Those kids are from some other world! 😱 The way they cook... and the presentation.. I'm amazed...awed.. 😍 So in one awesome episode (like all of them 😁) these kids got the challenge to make Chef Gordon Ramsay's Beef Wellington. It looked so appetizing that I decided … Continue reading Chicken Wellington… Phew!😅
Author: IPSITA NAYAK
A Messy Gooey Crepe Cake… Yeah I messed up..for good!!
So one fine night after dinner I had this irresistible craving for a super gooey and chocolaty cake.. But I was in no mood to bake this late and the waiting would have killed me.. 😅 To my rescue came a picture of a sexy crepe cake on instagram 😍... (Of course mine is no … Continue reading A Messy Gooey Crepe Cake… Yeah I messed up..for good!!
Frittata... Such a funky name...😋 But then of course, it's Italian.. 🙂 It is basically a kind of rich omelette made fluffier with one or more optional ingredients.. This post is a request from a follower and a friend, who finds my recipes a bit complicated.. 😛 So Ankit, this is super easy and you … Continue reading YO YO FRITTATA !! 😛
Break the Fast, Have Designed Savoury French Toast Muffins :-P
I know I know that I am very bad at giving titles... 😛 so please ignore that and try these pretty and cheesy savoury French toast muffins. I don't know how I got the idea..but the moment it came into my head, I was dying to try this. My mother always served us savoury French … Continue reading Break the Fast, Have Designed Savoury French Toast Muffins 😛
Munch into Crunchy Herbed Biscotti…
Greetings folks! After a busy month and a great vacation, here I'm, back to blogging... 😀 First a bit about the tour... Oh my! It's the best place I have ever seen 😆 - Andaman and Nicobar Islands. So colorful, soothing, relaxing, clean and there is a lot more to this place. Scuba diving was … Continue reading Munch into Crunchy Herbed Biscotti…
Moist and Sinful… Veg (Soya) Galouti Kebab
When I first had Galouti Kebab, I never thought it would be so creamy and so flavorful.. The aroma.. The tickling taste buds.. Oh my god! I can't even explain..Pure bliss.. 😌 It was created for an aging Nawab Wajid Ali Shah of Lucknow who lost his teeth, but not his passion for meat dishes. … Continue reading Moist and Sinful… Veg (Soya) Galouti Kebab
Mutton Saoji… Too hot to handle (I mean it ;))
It is so hot here in Pune, like never before (40°C + 😥) and having a Saoji dish now is pretty daring 😁. I don't usually eat mutton but I couldn't stop myself when I saw this recipe on the channel Food Food. One of my friends tried it too and he was drooling all … Continue reading Mutton Saoji… Too hot to handle (I mean it ;))


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Health Care
New York state warns drug company that raised prices
Turing Pharmaceuticals was warned by New York's attorney general that the distribution network for a rarely used cancer drug, whose 55-fold overnight price increase drew widespread criticism, may violate antitrust laws.
State officials made their concerns known to Turing and chief executive officer Martin Shkreli in an Oct. 12 letter. Turing's decision to raise the price of the decades-old medicine, which it acquired in August, brought a storm of criticism, including from Democratic presidential candidate Hillary Clinton, whose subsequent vow to reform the drug industry sent the biotech sector plummeting.
After acquiring the anti-parasitic drug Daraprim, Turing raised the price from $13.50 to $750 per pill. The treatment is the only federally approved drug for a condition that can arise in patients with weakened immune systems, such as those with AIDS or cancer.
Shkreli initially defended the move, saying it was a bargain even at the higher price, since it can save a patient's life within a limited amount of time. He later said he would lower the cost without saying by how much.
Bloomberg News


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Spalon Stylist: Sherina - Woodbury
Dance Background: My major "dance" background is actually about 10 years of gymnastics. I then did dance team in high school for three years. Everything else I know is from the MVC!
Hobbies: I really enjoy spending time with kids! I also am an avid napper.


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London's transport authority has rejected Uber's application for a renewed operating license, saying that the global ride-hailing service is not a "fit and proper" operator.
Uber can continue operating in London for three weeks while it appeals the decision.
Transport for London (TfL) said that Uber had demonstrated a "lack of corporate responsibility" with potential implications for public safety – citing the company's approach to reporting criminal offences and obtaining background checks on its drivers.
Uber's London manager Tom Elvidge said in a statement, "3.5 million Londoners who use our app, and more than 40,000 licensed drivers who rely on Uber to make a living, will be astounded by this decision."
Elvidge disputed all of the reasons TfL gave for its decision, saying that its drivers undergo the same background checks as London's black cab drivers and that the company closely follows TfL guidelines.
"This ban would show the world that, far from being open, London is closed to innovative companies who bring choice to consumers," said Elvidge.
London Mayor Sadiq Khan, meanwhile, issued a statement supporting the decision.
"Providing an innovative service must not be at the expense of safety and security," he said.
Uber's controversies
Uber has suffered a series of public-relations setbacks over the past few years. CEO Travis Kalanick resigned earlier this year following accusations of sexual harassment amid reports of a sexist culture at the tech company.
Kalanick was also videoed earlier this year swearing at an Uber driver in a row over pay.
The company also has been criticized for failing to ensure the safety of passengers. Last year, a freedom of information request revealed that there were 32 allegations of rape or sexual assault by Uber drivers reported to London's Metropolitan Police in 2015.
An employment tribunal also found last year that Uber drivers in the UK qualified as employees, saying that the company must offer them appropriate benefits and maintain the minimum wage.
The company's use of Greyball software, which can be used to evade regulators, was also noted by TfL in its rejection of a new license.
In April, an investigation by authorities in Portland, Oregon, found that Uber had used the software to evade local government.
Uber have said that it uses Greyball to deter riders who might endanger their drivers.


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He was involved in a horrible, tragic traffic accident that killed two Belizean women and a child. A second child is in the hospital with both legs broken.
BELIZE CITY, Thurs. Oct. 12, 2017–On Saturday, Samantha Castillo dropped her brother, Matthew Castillo, at Old Belize. He was going fishing.
The thirty-year-old Samantha headed back to her Bella Vista home in Belize City. Traveling with her in her Hyundai Element SUV was Martha Nayeli Vasquez, her sister-in-law; her one-year-old daughter, Deanna Castillo, and six-year-old daughter Angelique Castillo. The four family members didn't make it back home.
At approximately 4:00 p.m., a pickup slammed into Castillo's Hyundai near Mile 4 on the George Price Highway. The impact was catastrophic. Samantha, Martha and her baby, Deanna, were killed. The only member of the family to come out of the horrible accident alive was the 6-year-old child. She suffered two broken legs. Both girls are Matthew Castillo's daughters.
The Ford F-150 pickup truck was being driven by Captain Justin Guidry, a military liaison officer with the post of Bi-lateral Affairs Officer, attached to the United States Embassy.
Guidry was almost immediately spirited away from the scene of the horrific accident before any attention was given to the three persons who died on the spot. He just literally disappeared from the scene.
Police, in their report, said he was taken to the Karl Heusner Memorial Hospital. There was no mention of the injuries, if any, sustained by Guidry.
The United States Embassy would later claim diplomatic immunity from prosecution for Guidry under the Geneva Convention of 1961.
While police issued a press release about the accident, they did not hold a press conference; neither is it known whether a blood or urine sample was taken from Guidry to determine if he was driving under the influence.
Belize authorities owe it to the loved ones of the family who perished in the tragic accident to find out if the man who caused the accident was under the influence of alcohol or any illegal substance.
Amandala called the United States Embassy and spoke to Natella Svistunova, the Public Affairs Officer.
Svistunova would only tell us that Guidry is covered under the Geneva Convention and has diplomatic immunity.
Amandala asked Svistunova if the US Embassy or the US Government would undertake to assist the family of the accident victims.
Svistunova was non-committal, and would only offer, "The accident is under investigation and we cannot comment on that at this stage."
Amandala asked Svistunova what kind of injuries Guidry sustained in the accident and what his condition is, but the Public Affairs Officer said that that is a matter of privacy and she could not comment on it.
In fact, it is believed that Guidry has already been spirited to the safety of the US.
Amandala called the Ministry of Foreign Affairs and we were told the Minister Wilfred "Sedi" Elrington is out of the country and so was the CEO of the Ministry. We were only able to speak to one Mrs. Perez, a senior secretary, who could not answer the question as to whether the Belize Government is making any representation on behalf of the accident victims.
Perez only told us that she would find out and get back to us, but up to press time tonight, we have not heard from anyone from the Ministry of Foreign Affairs.
A call to the Police Department also did not yield any additional information, because we were told that the officer investigating the accident was on a "day off."
Research into diplomatic immunity, however, suggests that it is not in all cases that diplomats can walk away from criminal liability. In fact, in recent times, several diplomats from various countries were made to face criminal charges and their diplomatic immunity stripped away. Lower ranking officials, however, have a weaker kind of immunity called functional immunity.
It is incomprehensible to this newspaper how a mother, child and aunt can be killed in a traffic accident involving a diplomat, of whatever nation, and our authorities have no answer for the nation.
More to the point, our authorities do not appear to want any answers.
The United States has no duty, in any sense, to the Belizean people, but our elected officials do. We consider it shameful that the Ministry of Foreign Affairs has acted in this feeble, distressingly unprofessional manner. It has been five days since three Belizeans lost their lives tragically, and there has been no word from our elected officials. On behalf of the nation, we demand an account from Mr. Guidry as to what happened on that fatal afternoon, diplomat or not. All the adults in the Hyundai are dead; they cannot speak, which is very, very good for the US diplomat.


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Household Books Published in Britain: all volumes
About the Database
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Gesner, C. [Giovanne de Rosselli]
- Epulario
Epulario, / or, / The Italian Banquet: / wherein is shewed the maner how to dresse and / prepare all kind of flesh, foules or fishes / As also how to make sauces, tartes pies, &c. After the / maner of all countries. // With an addition of many other profitable and ne- / cessary things. // Translated out of Italian into English
Adam Islip William Barley 1598
4o A-K4
Printer's device on tp same as on "The Ladies Cabinet Opened" (1639)
Original 1549 edition, is in BM.
PR 10433 under Epulario
Subjects: cookery,
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Dear DynamicsPeople,
In Dynamics 365, we can synchronize Dynamics CRM Database entity wise on Azure SQL Database.Prior Dynamics 365 online version main issue occurred database backup or some BI work or push Dynamics CRM data to the third party application. Thus Microsoft comes with Export Service.It's easy to use and check all failure records.
Following steps to setup data export service,
Step 1: Azure SQL database setup
A. Go to your Azure portal and create SQL Database with appropriate information
B. Open SQL database in visual studio or Query editor in the Azure portal.
C. Login into the database and create a User with all permission of database.
And execute the following query with your new username and password
Step2: Create key with secret using PoweShell command or manually from GUI
PowerShell script, which needs value for variables like following
A. $subscriptionId = '[Specifies the Azure subscription to which the Key Vault belongs.]'
B. $keyvaultName = '[Specifies the name of the Key Vault. If the Key Vault does not exist, the script will create one]' Any name of key value
C. $secretName = '[Specifies the name of the secret that is put into the Key Vault. The secret holds the destination database connection string.]' Any secret name
D. $resourceGroupName = '[Specifies the Resource Group for the Key Vault.]'
E. $location = '[Specifies the Azure region where the Resource Group and Key Vault is placed.]'
F. $connectionString = '[Specifies the destination database connection string that would be placed as a secret in the Key Vault.]'
G. $organizationIdList = '[Specifies a comma-separated list of all the CRM Organization Id which will be allowed to export data to the destination database.]' From Dynamics CRM Setting > Customization > Developer Resources
H. $tenantId = '[Specifies the Azure Active Directory Tenant Id to which all the specified CRM Organizations belong to.]'
Extract GUID from the "FEDERATION METADATA DOCUMENT" URL
Power shell after collecting all value of the variable, Open Power Shell and execute the following script into power shell window. [Replace variable values from your data]
$subscriptionId = '3f5011fd-f3ae-****-****-4003f2ad99ff'
$keyvaultName = 'DynamicsPeopleKVN'
$secretName = 'DynamicsPeopleSecret'
$resourceGroupName = 'DynamicsPeopleRG'
$location = 'East US'
$connectionString = 'Server=tcp:dynamicssynh.database.windows.net,1433;Initial Catalog=DynamicsSyncDB;Persist Security Info=False;User ID= dynamicsPeopleUser ;Password= ********;MultipleActiveResultSets=False;Encrypt=True;TrustServerCertificate=False;Connection Timeout=30;'
$organizationIdList = '89b440e6-****-4c6d-****-1e481da1cd89′
$tenantId = 'fab3736b-****-****-****-a9af412683e0'
# Login to Azure account, select Subscription and tenant Id
Set-AzureRmContext -TenantId $tenantId -SubscriptionId $subscriptionId
# Create new resource group if not exists.
$rgAvail = Get-AzureRmResourceGroup -Name $resourceGroupName -Location $location -ErrorAction SilentlyContinue
New-AzureRmResourceGroup -Name $resourceGroupName -Location $location
# Create new key vault if not exists.
$kvAvail = Get-AzureRmKeyVault -VaultName $keyvaultName -ResourceGroupName $resourceGroupName -ErrorAction SilentlyContinue
New-AzureRmKeyVault -VaultName $keyvaultName -ResourceGroupName $resourceGroupName -Location $location
# Wait few seconds for DNS entry to propagate
Start-Sleep -Seconds 15
# Create tags to store allowed set of Organizations.
$secretTags = @{}
foreach ($orgId in $organizationIdList.Split(',')) {
$secretTags.Add($orgId.Trim(), $tenantId)
# Add or update a secret to key vault.
$secretVaule = ConvertTo-SecureString $connectionString -AsPlainText -Force
$secret = Set-AzureKeyVaultSecret -VaultName $keyvaultName -Name $secretName -SecretValue $secretVaule -Tags $secretTags
# Authorize application to access key vault.
$servicePrincipal = 'b861dbcc-a7ef-4219-a005-0e4de4ea7dcf'
Set-AzureRmKeyVaultAccessPolicy -VaultName $keyvaultName -ServicePrincipalName $servicePrincipal -PermissionsToSecrets get
# Display secret url.
Write-Host "Connection Key Vault URL is "$secret.id""
After executing script into power shell you got the Key Value URL, copy this URL and we required later. [ Important Do not forget this URL]
Step 3: Add Data Export service into Dynamics
A. Go to Dynamics CRM Setting > Dynamics MarketPlace > Search "Data Export Service"
B. Click on "Get It Now" and Continue and agree on the condition.
Note: This service is Available at, North America South America Europe Middle East Africa Japan Asia/Pacific Australia
C. Now, click on Setting > Data Export.
D. Create Data Export service record, with fill up all information and validate it. Remember the put Key Vault Url, which we already create in Step 2.
E. Choose the entity and relationship, as per your requirement need to synchronize data.
F. Active the export profile.
Data export service is created, now you can create a record and it will sync to Azure SQL Database.
Example Record and Validate the Sync:
Create an account record.
Check in Azure Database using Query Editor tool
Thanks !!!


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Completely remodeled inside and out!!! Panoramic mountain views across two fairways and a lake. Outdoor living at its finest with an outdoor living room and outdoor kitchen, all topped off with the remodeled pool plus the pavered deck and patio. A soaring 18' skylit rotunda foyer opens up to BIG -- a big 43' Great Room, a big 17' Office/Den, a big 35' Master Suite -- over 4400 sf. of spacious luxury. The Great Room with its bow-window dining room captures that spectacular view. Perfect for entertaining. Guests? a courtyard casita plus two guest rooms with their own sitting room (or whatever room). The standard feature list is endless - dramatic 12' soffited ceilings, 8' doors, gourmet kitchen, Jacuzzi tub and separate shower in master bath, recirculating hot water, switch-start fireplace, etc. But the new remodeling and extensive custom features make this home very very special. Too many to list here so check out Extraordinary Features in the attached Othe
Listing courtesy of Premier Properties. Selling Office: Bennion Deville Homes.


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Researchers at Floating Island International (FII) in Shepherd, Mont., an agricultural region, are fishing nonpoint source nutrients out of 2.6-ha (6.5-ac) Fish Fry Lake. Bruce Kania, FII project development director, uses rod and reel to maintain floating treatment wetlands (FTWs) in the lake. Fishing is all part of the job; experienced anglers can catch one fish every 2 minutes at Fish Fry, he said.
BioHaven Floating Islands are providing an increasing number of high-value water quality services – and helping to process unwanted nutrients (well, wanted by algae but we don't want them to have any more food than is absolutely necessary) into fish biomass is just one of them!
Read the full article or contact DH Environmental Consulting (www.dhec.co.za) for more information about applications in South Africa.


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If there is one football game Pretoria's football fans should make sure not to miss it will be Thursday's encounter with TUT.
Boring is the last word that will be used to describe the "90 minute battle" between the defending Varsity Football champions, UP-Tuks, and the runners-up, TUT. There is just something about this derby that gets players to lift their game.
Last year the players' passion led to three enthralling encounters. TUT managed to beat UP-Tuks 5-4 in a penalty shootout during the final of the USSA Tournament. Things were not any less exciting in the first Varsity Football encounter. TUT secured a draw in the dying minutes. But in the end when it mattered most, Tuks ended up winning by beating TUT 2-0 in the Varsity Football final.
In doing so, UP-Tuks ensured that they became the most successful team in the history of the tournament. They were also victorious in 2013 and 2014. Tuks did not perform to their best during the recent USSA Tournament. The team's biggest frustration was losing vital games during penalty shootouts.
Simbongile Njokwe (Tuks captain) admitted it is something they need to work on.
"We only conceded a handful of goals during the last three USSA tournaments. However, the reality is that if you don't score goals, there is no way you can win. Our defensive play is our strength but so is scoring goals. The challenge for the duration of the tournament will not only be to create goal scoring chances but to make it count. I believe we can."
During last year's tournament Tuks initially also battled to score but then the players fine-tuned it to an art. In their last four pool games, they scored 11 goals conceding only one. The captaincy is nothing new to Njokwe. He led with distinction when Lawrence Ntshwane was injured during last year's tournament.
"I realise that with captaincy comes responsibility however it tends to be easy when you play for Tuks. It is because it is all about carrying on the proud Tuks football legacy. I can honestly say it is a case of all for one and one for all. Everyone knows what is at stake each time we don the 'Striped Jersey'."
According to Njokwe he never lacks for motivation.
"Whenever I take to the field it is about what is best for the team. I will fight every minute to help get the result we want," said Njokwe who is competing in the Varsity Football tournament for the fifth time.
Only Richard Moremi, six, has played more tournaments for Tuks. As a centre back Njokwe does not get the opportunity to score often, but he can keep a 'cool head' when it really matters. A definite highlight last year for him was when he headed the ball into the back of the goal net during the final against TUT. He is looking forward to Thursday's rematch.
"There is no better way to start the Varsity campaign than to play the best first. It makes it easy to get motivated. It is going to a big one. I believe we won't disappoint our fans."
Here's what happened last time they met!
Kickoff at Tuks is at 18:15.
By Wilhelm de Swardt