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Home Maker Module Advantages of Financial Literacy The pressing need for financial literacy comes from two areas. Firstly is the deterioration of personal finances. Today youngsters resort to living beyond their means, have credit card debt, and making risky investments. Second is the proliferation of new, and often complex, financial products that demand more financial expertise of consumers. Turbulent market conditions and changing tax laws compound the need for sound financial literacy. Some advantages of financial literacy are:- Helps build a secure financial future. Lack of financial knowledge can affect an individual"s or family"s ability to save for long-term goals and make them vulnerable to severe financial crisis Prepared for financial emergencies. By incorporating contingencies in your financial plan you are ready to face unseen circumstances head on People who are financially literate are reluctant to buy financial products that they do not understand and thus do not fall for marketing gimmicks Feeling a sense of accomplishment. Financial literacy is effective at moving people closer to their goals Makes a more responsible individual with a disciplined approach to money. Helps people from overspending and inculcates a habit of savings and investments You become more aware of questionable lending practices adopted by banks and other lenders to sell their products Feel like you are setting a good example for your family Money management skills can benefit other aspects of your life Financial Literacy - Part A 1 Importance of Understanding Household Finances Often only one person in the household is responsible for maintaining the family budget and managing household"s finances. What if you/your partner died or became incapacitated and could no longer manage the budget? You need to follow the following steps:- Maintain a household budget Get a big picture idea of all the money in play – the income, the debts, the recurring expenses, the investments and so on. Understand your family finances and fill out a budget and a balance sheet. The purpose of these two financial tools is to give you a financial snapshot of your finances. Remember, if you put clean honest data in, you will get a true picture of your financial situation. Understand and estimate your current spending patterns Constant debits:- Mortgage payments, car loans, taxes are the amounts that are debited every month Changing debits:- Electricity, phones, groceries and more utilities that are dependent on the usage. Bills for these services fluctuate and must be recorded on a monthly basis Make sure you have access to everything Just knowing that these accounts exist won"t be enough. If you want to take charge, you"ll have full access. Get a set of keys to any safety deposit boxes, make sure you are named account holder or the primary beneficiary on all major accounts, life insurance policies and property you own. Understand everything and why it is important People tend to complete tasks more successfully when they understand the purpose of what they are doing. Just hearing from your partner that "this account is where we put our savings" isn"t as good as explaining why you choose to put your savings there. Saying that we get the best interest rate at this bank helps. Gradually share with your partner some financial responsibility If you currently don"t handle the money at all, start off with a small manageable task- preferably one with low stakes. For example, be responsible for paying one small bill each month - something with a generous grace period on the payment due date, like the electric bill. As you become more adept, mange additional tasks. Eventually, handle all the finances for one month (with supervision, of course). Then, let your partner switch off for months, with you handling the finances every other month until you both feel completely comfortable. Discuss contingency Plans Make sure you know what your partner would do in an emergency or unplanned financial event. Don't just be conceptual - discuss actual, concrete strategies to handle unplanned events. Example:- if there was a sudden loss of income, which bills would need to be prioritized, and which expenses could be reduced or dropped altogether. Financial Literacy - Part A 2 Basics of Savings and Investment In many instances the terms saving and investment are used interchangeably. However in an economic sense, savings is the excess of income over expenditure. And investment is the process of routing savings into optimal returns bearing assets. The objective of savings is to save for the rainy day or to meet unforeseen eventualities. A person saving money is interested in the availability of funds at a future date. The objective of investments is growth, security or income. Money used to purchase shares, put in a collective investment scheme or used to buy any asset where there is an element of capital risk is deemed an investment. Investing means you"re setting your money aside for longer – term goals. There"s no guarantee that the money you invest will grow. In fact, it"s normal for investments to rise and fall in value over time. But in the long run, investments can earn a lot more than you can usually make in a savings account. Whether one"s income is small or large, setting aside some of it for investments requires self-discipline. By maintaining discipline to postpone buying certain things they"d like to have now they can enjoy the longer term benefits of having that money work for them through savings and investments. The Price of Procrastination You know that the more time you have to invest, the more money you are likely to end up having. But the flip side of that is true too. By waiting to invest, you"re paying an opportunity cost. It"s easy to say that you don"t have enough money to start saving and investing now. – "I"d rather wait until I have more money." But that decision probably costs you more than you think because the power of compounding works both ways. It costs you because waiting means giving up earning compound interest from even just a small amount of money. Financial Literacy - Part A 3 Budgeting The first step in your financial planning is budgeting. Budgeting is a process for tracking, planning and controlling the inflow and outflow of income. It entails identifying all the sources of income and taking into account all current and future expenses, with an aim to meet an individual"s financial goals. The primary aim of a budget planner is to ensure savings after the allocation for spending. Benefits of budgeting - It helps in planning and controlling excessive expenditure It can help refine goals based on realistic resources Helps in decision making It can compel members to use funds efficiently Steps for budget planning:- Determine available funds (cash on hand, funds in the bank, interest etc) Estimate expected income and when it is expected to be available Define needed expenses. Rank the order of expenditure by their importance Eliminate less essential expenditure or limit expenditures Set and maintain a minimum cash balance Revise, review, cross reference and then assemble into a final budget. The budget should be flexible to anticipate conditions which might have been overlooked during the planning process Once finalised it should be closely managed Other Key Points When estimating income that is highly variable, the estimate should be conservative. Being surprised by an income surplus is far more pleasant than having an unexpected shortfall If the budget is planned too tight, adherence to it may become an issue Realize that unexpected things come up in life. You may have to break your budget plan, or reconstruct it, occasionally. However try to avoid debt to cover the shortage and stick to your budget as much as possible. Financial Literacy - Part A 4 Inflation Effects on Investments When you are planning your investment, it is critical that you take into account the effects of inflations on your investments. At its most basic level, inflation is simply a rise in prices. Over time, as the cost of goods and services increase, the value of a rupee is going to go down because you won"t be able to purchase as much with those rupees as you could have in the last month or last year. How does inflation affect my investment decision? This is the question on many investors" minds and it is especially important issue for people living on fixed income, such as retirees. The impact of inflation on your portfolio depends on the type of securities you hold. If you invest only in stocks then inflation should not be much of a worry. Over the long run, a company's revenue and earnings should increase at the same pace as inflation. Fixed-income investors are the hardest hit by inflation as they are particularly vulnerable to the effects of inflation. If you are locked into a particular interest rate, and inflation increases your earnings will not keep up and you will earn a negative real return. Example:- Suppose that a year ago you invested Rs.1,000 in a bond with a 10% yield. Now that you are about to collect the Rs.1,100 owed to you, is your Rs.100 (10%) return real? Of course not! Assuming inflation was positive for the year, your purchasing power has fallen and, therefore, so has your real return. We have to take into account the chunk inflation has taken out of your return. If inflation was 4%, then your return is really 6%. What are the steps that an investor can take to avoid the adverse effects of inflation? Try to determine your "real rate of return" which is the return you can expect after factoring in the effects of inflation. In addition to being aware of the current rate of inflation, it is crucial to be aware of what inflation rate the experts are anticipating. Both the value of current investments and the attractiveness of future investments will change depending on the outlook for inflation. Financial Literacy - Part A 5 Risk and Return Risk and investing go hand in hand. Risk can be defined as the chance one takes that all or part of the money put into an investment can be lost. The good news is that investing risk comes with the potential for investing reward – which is what makes the whole process worthwhile. Low levels of uncertainty (low risk) are associated with low potential returns, whereas high levels of uncertainty (high risk) are associated with high potential returns. According to the risk-return tradeoff, invested money can render higher profits only if it is subject to the possibility of being lost. Because of the risk-return tradeoff, you must be aware of your personal risk tolerance when choosing investments for your portfolio. Taking on some risk is the price of achieving returns; therefore, if you want to make money, you can't cut out all risk. The goal instead is to find an appropriate balance - one that generates some profit, but still allows you to sleep at night. Types of Risk When most people think of "risk" they translate it as loss of principal. However, there are many kinds of risk. Let's take a look at some of them:- Capital Risk: Losing your invested monies Inflationary Risk: Investment's rate of return doesn't keep pace with inflation rate Interest Rate Risk: A drop in an investment's interest rate Market Risk: Selling an investment at an unfavourable price Liquidity Risk: Limitations on the availability of funds for a specific period of time Legislative Risk: Changes in tax laws may make certain investments less advantageous Default Risk: The failure of the institution where an investment is made Remember risk can never be eliminated altogether, but it can be managed. Financial Literacy - Part A 6 Power of Compounding Compounding is a simple concept that offers astounding returns: if you park your money in an investment with a given return, and then reinvest those earnings as you receive them, your investment grows exponentially over time. With simple interest, you earn interest only on the principal (that is, the amount you initially invested); with compounding, you earn interest on the principal and additionally earn interest on the interest. Just to give an example:- Assume there are two people Ram and Shyam. Ram invests Rs.5,000 each month for 10 years from the time he became 25. Sham invests Rs.5,000 each month for 25 years from the time he became 35. Note that Ram invested Rs.5,000 monthly for only 10 years. Sham invested Rs.5,000 monthly for 25 years! Now, who do you think will have more money when they are 60? Think about it a little! Who do you think will have more money at age 60? Assuming that their money grows at 15% per year, at age 60 Ram will have Rs.4.5crores!! Sham will have Rs.1.6 crores!! A difference of Rs.2.9 crores!! Compounding, thus, is a wonder tool that lets you make the most of small investments made over long periods of time to accumulate phenomenal wealth. It works best if you start investing early, and leave the money alone. Compounding is, in fact, the single most important reason for you to start investing right now. Every day you are invested is a day that your money is working for you, helping to ensure a financially secure and stable future. Time Value of Money A time passes you will realise that if 10 years back you could afford to purchase a full lunch for Rs.10, today you might afford to get a few pieces of vegetables only. This means that the value of a thousand rupee note would be higher today than after five years. Although the note is the same, you can do much more with the money if you have it now because over time you can earn more interest on your money. By receiving Rs.1,000 today you are poised to increase the future value of your money by investing and gaining interest over a five year period. At the most basic level the time value of money demonstrates that time literally is money - the value of the money you have now is not the same as it will be in the future and vice versa. Financial Literacy - Part A 7 Choosing The Right Investment Option The choice of the best investment options will depend on personal circumstances as well as general market conditions. An investment for one objective may not suit the needs of the other. Right investment is a balance of three things: Liquidity, Safety and Return. Liquidity ► This will cover the ease with which the investment can be covered to cash to meet expenses. Some liquid investments are required to meet exigencies that arise in the normal course or otherwise Safety ► This is about the risk factor of the investment. The worst case is losing all the invested money. The milder case is losing on the income or low income growth or investment growth. Inflation is also a risk, as the purchasing value of money reduces Return ► Income generated by investments is another factor to consider. Safe investments offer steady but lower income and risky investments offer high returns or no returns at all! ► There are several short-term and long-term financial investment options available, some of which are given below: Investment Options Short-term investments Long-term investing • Savings bank account • Post Office savings • Bonds and debentures • Life Insurance Policies • Money market funds • Public Provident Fund • Mutual Funds • Equity shares • Bank fixed deposits • Company fixed deposits Financial Literacy - Part A 8 Savings & Investment Related Products BANKS Bank deposits are fairly safe because banks are subject to control and regulated by the Reserve Bank of India. They offer various types of deposits, depending on the needs of the customer. Bank deposits are preferred more for their liquidity and safety than for the returns thereon All Bank deposits are insured upto a maximum of Rs.100,000 under the Deposit Insurance & Credit Guarantee Scheme of India. It is possible to get loans up to 75- 90% of the deposit amount from banks against fixed deposit receipts TYPES OF DEPOSITS AND KEY FEATURES Savings Bank Account First banking product people use; Low interest. However, highly liquid; Suitable for inculcating the habit of savings among the customers Bank Fixed Deposit (Bank FDs) Involves placing funds with the banks for a fixed term (not less than 30 days) for a certain stipulated amount of interest The time frame assumes importance as early withdrawal carries a penalty Recurring Deposit Accounts Some fixed amount is deposited at monthly intervals for a pre-fixed term; Earns higher interest than Savings Bank Accounts GOVERNMENT SCHEMES Government of India has launched many Income Tax Saving Schemes. Investments in these schemes are deductible subject to certain limits from the taxable income. Some examples:- National Savings Certificates (NSC) Popular Income Tax Saving schemes, available throughout the year; Interest rate of 8%; Minimum investment is Rs.100/- and with no upper limit; Maturity period of 6 years; Transferable and a provision of loan on the basis of this scheme Public Provident Fund (PPF) Interest rate of 8% p.a; Minimum investment limit is Rs. 500/- and maximum is Rs. 70,000/-; Maturity period of 15 years; A person can withdraw an amount (not more than 50% of the balance) every year from the 7th year onwards Financial Literacy - Part A 9 Savings & Investment Related Products (Cont'd) Kisan Vikas Patra (KVP) Money invested in this scheme doubles in 8 years and 7 months; minimum investment of Rs.100/- with no upper limit; available throughout the year; Currently there is no tax benefit on investment under this scheme Post Office Scheme (POS) It is one of the best Income Tax Saving Schemes; available throughout the year; Several types of schemes depending upon the type of investment and maturity period. Post office schemes can be divided into following categories: Monthly Deposit, Saving Deposit, Time Deposit, Recurring Deposit Bonds A Bond is a loan given by the buyer to the issuer of the instrument, in return for interest. Bonds can be issued by companies, financial institutions, or even the Government. The buyer receives interest income from the seller and the par value of the bond is receivable by the buyer on the maturity date which is specified. Tax-Saving Bonds Tax-Saving Bonds offer tax exemption up to a specified amount of investment, depending on the Government notification. Examples are: Infrastructure Bonds under Section 88 of the Income Tax Act, 1961; NABARD/ NHAI/REC Bonds under Section 54EC of the Income Tax Act, 1961; RBI Tax Relief Bonds Regular Income bonds Regular-Income Bonds provide a stable source of income at regular, pre-determined intervals. Examples are: Double Your Money Bond, Deep Discount Bonds, Retirement Bond, Encash Bond, Education Bonds etc Key Features of Bonds include: Rated by specialised credit rating agencies like, CRISIL, ICRA, CARE and Fitch. Suitable for regular income. Interest received semi-annually, quarterly or monthly depending on type of bond Bonds available in both primary and secondary markets; One can borrow against bonds by pledging the same with a bank Minimum investment ranges from Rs.5,000 to Rs.10,000; Duration usually varies between 5 and 7 years Financial Literacy - Part A 10 Savings & Investment Related Products (Cont'd) Debentures Fixed interest debt instruments with varying period of maturity, similar to bonds, but are issued by companies Either be placed privately or offered for subscription May or may not be listed on the stock exchange. If they are listed on the stock exchanges, they should be rated prior to the listing by any of the credit rating agencies designated by SEBI Maturity period normally varies from 3 to 10 years Company Fixed Deposits Fixed deposit scheme offered by a company. Similar to a bank deposit Used by companies to borrow from small investors The investment period must be selected carefully as most FDs are not encashable prior to their maturity Not as safe as a bank deposit. Company deposits are 'unsecured' Offer higher returns than bank FDs, since they entail higher risks Mutual Funds A mutual fund pools money from many investors and invests the money in stocks, bonds, short-term money-market instruments, other securities or assets, or some combination of these investments. The combined holdings the mutual fund owns are known as its portfolio. Each unit represents an investor's proportionate ownership of the fund's holdings and the income those holdings generate Salient Features of Mutual Funds Professional Management – Money is invested through fund managers Diversification - Diversification is an investing strategy that can be neatly summed up as "Don't put all your eggs in one basket". By owning shares in a mutual fund instead of owning individual stocks or bonds, the risk is spread out Economies of Scale - Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than what an individual would pay for securities transactions Liquidity - Just like individual shares, mutual fund units are convertible into money by way of sale in the market Simplicity - Buying a mutual fund unit is simple. Any bank has its own line of mutual funds, and the minimum investment amount is small Financial Literacy - Part A 11 Savings & Investment Related Products (Cont'd) TYPES OF MUTUAL FUNDS Open Ended Funds An open-ended fund does not have a maturity date Investors can buy and sell units of an open-ended fund, at the mutual fund offices or their investor service centres (ISCs) on a continuous basis The prices at which purchase and redemption transactions take place in a mutual fund are based on the net asset value (NAV) of the fund Closed Ended Funds Closed-end funds run for a specific period On the specified maturity date, all units are redeemed and the scheme comes to a close The units may be listed on a stock exchange to provide liquidity Investors buy and sell the units among themselves, at the price prevailing in the stock market Money Market Funds Invest in extremely short-term fixed income instruments The returns may not be very high, but the principal is safe These offer better returns than savings account but lower than fixed deposits without compromising liquidity Bond/Income Funds Purpose is to provide current income on a steady basis Invests primarily in government and corporate debt While fund holdings may appreciate in value, the primary objective of these funds is to provide a steady cash flow to investors Financial Literacy - Part A 12 Savings & Investment Related Products (Cont'd) Balanced Funds Objective is to provide a balanced mixture of safety, income and capital appreciation Strategy is to invest in a combination of fixed income and equities Equity Funds Invest in shares and stocks Represent the largest category of mutual funds Investment objective is long-term capital growth with some income Many different types of equity funds because of the different types of equities Foreign/International Funds An international fund (or foreign fund) invests only outside the home country Sector funds These are targeted at specific sectors of the economy such as financial, technology, health, etc. Index Funds This type of mutual fund replicates the performance of a broad market index such as the SENSEX or NIFTY An index fund merely replicates the market return and benefits investors in the form of low fees Financial Literacy - Part A 13 Savings & Investment Related Products (Cont'd) EQUITY SHARES A stock market is a public market for the trading of company shares at an agreed price; these are securities listed on a stock exchange. The shares are listed and traded on stock exchanges which facilitate the buying and selling of stocks in the secondary market. The prime stock exchanges in India are The Stock Exchange Mumbai, known as BSE and the National Stock Exchange known as NSE. The purpose of a stock exchange is to facilitate the exchange of securities between buyers and sellers, thus providing a marketplace. There are two ways in which investment in equities can be made: Through the primary market (by applying for shares that are offered to the public) Through the secondary market (by buying shares that are listed on the stock exchanges) Having first understood the markets, it is important to know how to go about selecting a company, a stock and the right price. A little bit of research, some diversification and proper monitoring will ensure that the investor earns good returns. Key Features Participants range from small individual stock investors to large fund traders, who can be based anywhere One of the most important sources for companies to raise money Allows businesses to be publicly traded, or raise additional capital for expansion by selling shares of ownership of the company in a public market Stock market is often considered the primary indicator of a country's economic strength and development Stock prices fluctuate widely, in marked contrast to the stability of (government insured) bank deposits or bonds The reasons for investing in equity must also be reviewed periodically to ensure that they are still valid Sometimes the market seems to react irrationally to economic or financial news, even if that news is likely to have no real effect on the value of securities itself Over the short-term, stocks and other securities can be battered or buoyed by any number of fast market-changing events, making the stock market behaviour difficult to predict. Financial Literacy - Part A 14 Protection Related Products Insurance Policies Insurance, as the name suggests is an insurance against future loss. However, although life insurance is most common, there are other schemes that generate regular income and cover other types of losses. Life Insurance Life Insurance is a contract providing for payment of a sum of money to the person assured or, following him to the person entitled to receive the same, on the happening of a certain event. It is a good method to protect your family financially, in case of death, by providing funds for the loss of income. Term Life Insurance Gaining popularity in India; Lump sum is paid to the designated beneficiary in case of the death of the insured; Policies are usually for 5, 10, 15, 20 or 30 years; Low premium compared to other insurance policies; Does not carry any cash value Endowment Policies Provide for period payment of premiums and a lump sum amount either in the event of death of the insured or on the date of expiry of the policy, whichever occurs earlier Annuity / Pension Policies / Funds No life insurance cover but only a guaranteed income either for life or a certain period; Taken so as to get income after the retirement Premium can be paid as a single lump sum or through instalments paid over a certain number of years The insured receives back a specific sum periodically from a specified date onwards (can be monthly, half yearly or annual) In case of the death, or after the fixed annuity period expires for annuity payments, the invested annuity fund is refunded, usually with some additional amounts as per the terms of the policy Units Linked Insurance Policy (ULIPS) A ULIP is a life insurance policy which provides a combination of risk cover and investment. The dynamics of the capital market have a direct bearing on the performance of the ULIPs. The investment risk is generally borne by the investor. Most insurers offer a wide range of funds to suit one"s investment objectives, risk profile and time horizons. Different funds have different risk profiles. The potential for returns also varies from fund to fund ULIPs offered by different insurers have varying charge structures. Financial Literacy - Part A 15 Protection Related Products (Cont'd) New Pension Scheme, 2009 Defined contribution scheme open to any Indian Citizen between the age of 18 and 55, the individual invests a certain amount in a pension scheme till he retires At retirement, he is allowed to either withdraw the money that has accumulated or buy an immediate annuity from an insurance company to generate a regular income or do both. A minimum of 40% needs to be used to buy an immediate annuity, a maximum of 60% of the money accumulated can be withdrawn The minimum amount that needs to be invested per contribution is Rs.500. A minimum of four contributions need to be made per year. Other than this, a minimum of Rs.6,000 needs to be invested per year. There are no upper limits on the amount of money that can be invested as well as the number of contributions that can be made This is a non-withdrawable account and investments in this keep accumulating till you turn 60. Withdrawal is allowed only in case of death, critical illness or if you are building or buying your first house Heath Insurance Health Insurance policies insure you against several illnesses and guarantee you stay financially secure should you ever require treatment. They safeguard your peace of mind, eliminate all worries about treatment expenses, and allow you to focus your energy on more important things:- Comprehensive health insurance coverage: These plans provide you complete health coverage through a hospitalization cover while at the same time also creating a health fund to cover any other healthcare expenses Hospitalization plan: These health insurance plans cover your expenses in case you need to be hospitalized. Within this category, products may have different payout structures and limits for various heads of expenditure. The hospitalization coverage may be reimbursement based plans or fixed benefit plans. These plans aim to cover the more frequent medical expenses. Critical Illness Plans: These health insurance plans provide you coverage against critical illness such as heart attack, organ transplant, stroke, and kidney failure among others. These plans aim to cover infrequent and higher ticket size medical expenses. Specific Conditions Coverage: These plans are designed specifically to offer health insurance against certain complications due to diabetes or cancer. They may also include features such as disease management programs which are specific to the condition covered. Financial Literacy - Part A 16 Borrowing Related Products With today's heightened cost of living, debts become a usual thing. A number of people apply for personal loans, car loans, mortgage loans, and a whole lot of others. There seems to be a loan for everything. Often, financial troubles begin as a result of too large debt. DIFFERENT TYPES OF LOANS AVAILABLE Personal Loans Personal loans are usually taken when you have to meet unexpected needs that are beyond a persons immediate financial means. People often get into financial trouble by taking out personal loans just for the extra money, or to purchase frivolous items, and then find that they can't make the monthly payments required. Key Features High interest rates of 14-18% p.a, high fees and even higher monthly installments Time consuming application process Rates and terms of the personal loans can vary tremendously, careful comparison is wise Home Loans A home loan is just another loan with your house as the collateral. If you are buying your first home then it is important to understand the ins and outs of home loans. There are many variations according to the economy and what the market is doing that determines things that are going to apply to your home loan Key Features Banks finance 75-80% of the property value Banks have recently started to offer lower fixed "teaser" rates for a short period of time. Then after some time the interest rates jump up and become variable. Be careful to read the fine print. Most housing loans have a minimum lock in period of 3 years or more. Heavy penalty charges for pre payment; Hidden fees include appraisal fees and other charges associated with the loan If you want to sell the house the loan becomes payable immediately Financial Literacy - Part A 17 Borrowing Related Products (Cont'd) Reverse Mortgage The whole idea of a reverse mortgage is entirely opposite to the regular mortgage process where a person pays the bank for a mortgaged property. This concept is particularly popular in the western countries Key Features A senior citizen who holds a house property, but lacks a regular source of income can put his property on mortgage with a bank or housing finance company. The bank/ housing finance company pays the person a regular payment The good thing is that the person who "reverse mortgages" his property can stay in the house for his life and continue to receive the much needed regular payments. So effectively the property now pays for the owner. The way this works is that the bank will have the right to sell off the property after the incumbent passes away or leaves the place, and to recover the loan. It passes on any extra amount to the legal heir Loan against Security The main purpose of taking loans against shares is to preserve investment, apart from taking care of personal needs. People also resort to such a loan to meet their contingencies and get liquidity without actually selling the shares. It is advisable to take loan against securities only when you are expecting a certain sum of money a few months down the line and you need some funds in the interim. Key Features RBI allows banks to lend up to 75% of the value of demat shares and 50 per cent of the value of physical shares. Banks have an approved list of securities that they lend against and this list varies from one lender to the other. Loans against mutual fund units are based on their NAV value The amount of loan depends on the valuation of the security, applicable margin, your ability to service and repay the loan Interest rates usually range between 14-18% Charges vary from bank to bank and usually include processing fees (1-1.5%) and documentation charges Only fully paid shares are accepted Financial Literacy - Part A 18 Borrowing Related Products (Cont'd) Credit Card Debt Credit card debt is usually resorted to when all other option including personal loans are exhausted. Credit card debt is unsecured therefore it carries very high interest rates. A credit card gives you the power to spend money even when you don"t have the funds. Lots of young people misuse it by spending on frivolous things. Paying only the minimum amount is costly and will ensure that you have debt for a long time. Try to consistently pay as much as you are able towards your debts - you will be glad you did. Key Features Interest rates on credit cards are probably the highest compared to other credit facilities. The interest ranges from 18-36% p.a Debt keeps accumulating via interest and penalties. If you are not paying off your outstanding balance before the interest free period expires then you will be paying a high interest rate. This can make it hard to reduce your credit card debt As most credit card limits are low some borrowers tend to neglect the fact that the interest payment is relatively small on a month to month basis. This is a dangerous practice because the amount of interest you pay can quickly jump to exceed the value of your actual debt Be very careful of having multiple cards and be very careful of taking up the marketing promotions from credit card providers when they actively try and get you to increase your credit card limit Financial Literacy - Part A 19 Need and Importance of a PAN Card The permanent account number or PAN has grown in importance and is today a vital part of any financial transaction. The tax department allots the PAN to an individual for the purpose of identification and to relate to various transactions and information pertaining to him. If your income exceeds the basic exemption limit, you should apply for PAN by May 31 of the relevant assessment year. Any person whose turnover or gross receipts exceeds Rs.500,000 should apply for PAN before the end of the said accounting year How to get a PAN card? Application for PAN should be made in prescribed form (Form 49A) and submitted in any of the I-T pan service centres set up and managed by Unit Trust of India Investor Services Limited UTIISL across the country From July 1, 2003, I-T PAN Service Centres have been set up in all cities or towns where I-T offices are located. For further convenience of PAN applicants in major cities there will be more than one I-T PAN Service Centre Location and other details about I-T PAN Service Centres in any city can be obtained from local Income Tax Office or offices of UTI or UTIISL in that city or from Web site of the Income Tax department (http://www.incometaxindia.gov.in) or of UTIISL (http://www.utiisl.co.in) It is necessary to quote the PAN in documents related to the following transactions:- Sale or purchase of immovable property valued at Rs 500,000 or more Sale or purchase of a motor vehicle requiring registration other than two-wheelers A time deposit of more than Rs 50,000 with any banking company and deposit of more than Rs 50,000 with post-office savings bank Contract of sale or purchase of securities exceeding Rs 1 lakh in value, including shares, bonds, debentures, derivatives, units and government securities Cash payment of Rs 50,000 or more for purchase of bank drafts, pay orders or bankers cheques during any one day Application for installation of telephone, including cellular telephone Opening a bank account Application for issue of a credit card A cash deposit of Rs 50,000 or more with any bank during any one day Payment of Rs 50,000 or more to a mutual fund for purchase of units or to a company for acquiring its shares or to a company/institution for acquiring its debentures/bonds or to RBI for acquiring bonds Financial Literacy - Part A 20 Understanding Ponzi Schemes A Ponzi scheme is a fraudulent investing scam that promises high rates at little risk to investors. The scheme generates returns for older investors from their own money or money paid by subsequent investors, rather than any actual profit earned. The perpetuation of the returns that a Ponzi scheme advertises and pays requires an ever- increasing flow of money from investors to keep the scheme going. How to Spot one? The Ponzi scheme usually entices new investors by offering returns other investments cannot guarantee, in the form of short-term returns that are either abnormally high or unusually consistent. In other words it seems too good to be true. The ultimate unravelling of a Ponzi scheme As more investors become involved, the likelihood of the scheme coming to the attention of authorities increases The promoter will vanish, taking all the remaining investment money The scheme will collapse under its own weight as investment slows and the promoter starts having problems paying out the promised returns External market forces, such as sharp decline in the economy will cause many investors to withdraw part or all of their funds not due to loss of confidence in the investment, but simply due to underlying market fundamentals Financial Literacy - Part A 21 Nominee and His Rights Inheritance has often been a bone of contention, with a plethora of community specific laws in the country and the legal formalities and hassles that a family has to go through after a bread winner has departed. A nominee is like a trustee who basically takes care of the assets left behind by the owner and is obliged under the law to distribute them among the legal heirs of the deceased. What are the rights of a nominee over an asset? Does the asset become his when he dies? A nominee cannot assume ownership by virtue of the death of the original owner unless he is a legal heir. And even then, he will have to get a succession certificate from the court stating this fact. If there is a will, it has to be duly authenticated by the court. What is the procedure for making a claim? It is more or less the same in case the owner dies leaving behind a will or dies intestate that is, without making one. The legal heirs will have to file a petition in a court in their district. The court will then advertise in the newspaper to invite objections, if any. If no one contests the transfer of the ownership of the deceased"s assets, the court will clear the succession. What happens when there is no nominee at all? In such a case, the legal heirs will be required to apply for and obtain a certificate of succession, on the basis of which the assets will be distributed among the heirs, in their respective shares. Financial Literacy - Part A 22 Women Centric Products Are we still living in a man"s world? If one considers the rate at which women-centric banking products are being launched, one may not be wrong in concluding that "Woman Power" is here to stay. Today banking players are increasingly fiercely competing with each another to introduce innovative products in order to address the diversified needs of women, hailing from all walks of life, be it the urban working woman, the homemaker, the semi-urban entrepreneur or the rural self help group (SHG) member. Some women centric products offered by banks include:- Special Life Insurance Plans: LIC Jeevan Bharti - 1, Bajaj Allianz Mahila Gain are some of the life insurance plans exclusively for women. Such plans offer additional benefits for women that are not available in other plans available in the market. These benefits include coverage of congenital disability benefit, pregnancy complications etc. Special Health Insurance Plans: Birla SunLife Critical Illness - Women Rider is an example of special rider exclusively for women. Bank Accounts with special benefits for women: Citibank's and ICICI's Women Account, UTI Bank's Smart Privilege Account are examples of special bank accounts for women. Through these accounts, women get the added advantage of special loan or deposit rates, facility of recurring deposits, lower minimum balance, etc. Women Debit Cards: HDFC Women's Advantage Debit Card and ICICI Bank Women's Debit Card are few examples. Women can avail special benefits such as discount on locker fees; cash back facility, accidental insurance cover, free bill pay facility etc. Credit Cards for Women: Citibank's Women Credit Card, Standard Chartered Diva and HDFC Women's Gold credit card are few examples. Added benefits such as lower maintenance charges, cash back are available Loan Schemes for Women: Various PSU banks are offer special loan rates for women. For example, PNB and UCO bank offer lower (0.25% less) interest rate on home loans to women. Women-centric financial products aren't just a marketing gimmick. The financial organizations have identified the special needs of women and are accordingly catering to these needs by way of such specialized products. Given the choice, it might be preferable for women to choose a product tailored for women over some general product available in the market. Always ask if there are special schemes available, and compare the benefits of the women-centric products to the other products available in the market. Additionally, make sure that you are not being charged a higher fee or commission for choosing a product tailored for women Financial Literacy - Part A 23 Education Planning for Children Educating your children is a major expense – the sooner you start saving for it the better. Many parents believe that educating their children in private schools is worth it. But also the financial burden is heavy. Further higher education in India, especially professional courses is becoming expensive by the day. The good old days of governmental support is practically over. While earlier a single income was more than sufficient, today even with two incomes we may not be able to finance our children"s higher studies. Many parents pay school fees, as with most household bills, on an ad hoc basis when they arrive in the mail. Most parents use their general savings to pay school fees. And if you have to save for two kids, your investment just doubles Example:- Assuming 6 per cent inflation, 10 years later, the fees for a professional course may be around Rs 3.5 - 4.5 lakhs, up from about Rs 2 - 2.5 lakhs today. Some available options include: Insurance policies Insurance companies offer policies money back or endowment, which give a defined payout at a defined period. Herein, one keeps paying a premium every year and gets a lump sum amount when the child has grown-up and is ready for college. Such policies can be used to plan for the higher studies, if you have time on your side. Besides, if something unfortunate happens to the parent, not only does the child still get the sum assured on maturity, but the interim premiums are also waived off. However, the return from such policies is relatively quite low, barely covering the inflation. So it is possible that you may end-up with some shortfall in case the education expenses move higher than the average inflation levels. Investment Products One can invest in pure investment options such as PPF, NSC, and Mutual Funds etc. There are many "child" oriented investment products available in the market today. They may not always be a good investment option. In fact, there is no need to specifically go for child-oriented products. Even normal investment products like PPF, MFs etc., which suit your profile, can serve the purpose; many times in a much better manner However there is no need to panic. You would most likely be still in an earning phase when your child is ready to go to college (and getting much higher salaries), which can supplement your savings. You can always fill the gap in your savings with a small loan and/or a scholarship. Financial Literacy - Part A 24 Security Tips on ATM Card & Pin Do not keep the PIN issued by the Bank together with your ATM Card. Change your PIN immediately when using your ATM Card for the first time and destroy any documents containing PIN information. Do not write down your PIN. You should memorise it. Do not send your PIN via email/SMS and never use the same PIN to access other services. Do not write down your PIN on the card face and do not disclose your PIN to anyone including any joint account holder. Do not, under any circumstances, disclose your PIN to anyone who claims to represent the Bank or who claims to be the Bank's employee or other authorised person, or the police. It is not necessary for anyone to know your PIN. The Bank will never ask for your PIN by any means such as email, SMS, phone, etc. Do not use combinations that are readily accessible/deducible such as your identity card number, telephone number, date of birth, driver's licence number or any popular number sequence (such as 987654 or 123456) for your PIN. Avoid using the same digit consecutively or the same sequence of numbers more than twice (such as 112233 or 383838) as a PIN. For security reasons, change your PIN regularly If you enter an incorrect PIN a certain number of times consecutively, your ATM Card will be captured by the ATM Be alert to your surroundings before conducting any banking transactions. Make sure no one sees your PIN and cover the keypad when you enter your PIN on any device, such as an ATM or other self-service terminal. Should you notice any suspicious devices at any ATM or any suspicious activities around you when performing an ATM transaction, cancel your transaction immediately and inform the Bank. When you have completed your ATM transaction, please retrieve your ATM Card as instructed on the ATM. Never try pushing your card back into the ATM. Remember to take your cash and ATM Card after each ATM cash withdrawal. Keep all transaction receipts and check them against your account records. Do not accept assistance from strangers. If you encounter any problems at the ATM, contact the Bank directly. If your ATM Card is lost or stolen, please inform your bank immediately. Financial Literacy - Part A 25 Thank you
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$2.994 works of Carl Ewald Danish novelist (1856-1908) This ebook presents a collection of 4 works of Carl Ewald. A dynamic table of contents allows you to jump directly to the work selected. Table of Contents: My Little Boy The Old Willow Tree and Other Stories The Pond The Queen Bee and Other Nature Stories
The Theory of Binocular VisionThe Theory of Binocular Vision is a book about neurological control theory. In this sense it was far ahead of its time, for the formal development of control theory was many decades in the future when this book appeared in 1868. Hering's principal concept is that the control of eye movements is greatly simplified if there is only one neurological control system commanding the 'double-eye' as a
$2.99When budding computer programmer Michelle Quinn disappears from her quiet Santa Cruz neighborhood, the police find no evidence of her kidnapper and seem to give up almost immediately. Her father Gabriel, a private charter pilot, believes Michelle is still alive, but he knows that her time is short. Unwilling to sit idly by and wait for the police to solve the crime, Gabriel sets out to find his
The Queen Bee and Other Nature Stories - The Original Classic EditionFinally available, a high quality book of the original classic edition of The Queen Bee and Other Nature Stories. It was previously published by other bona fide publishers, and is now, after many years, back in print. This is a new and freshly published edition of this culturally important work by Carl Ewald, which is now, at last, again available to you. Get the PDF and EPUB NOW as well.
Power Quality in Power Systems and Electrical MachinesPower Quality in Power Systems and Electrical Machines, Second Edition helps readers understand the causes and effects of power quality problems and provides techniques to mitigate these problems. Power quality is a measure of deviations in supply systems and their components, and affects all connected electrical and electronic equipment, including computers, TV monitors, and lighting. In this
The German 5th SS Tank Regiment in the East in World War IIThis classic World War II anthology offers unit history of the 5th SS Panzer Regiment, part of the 5th SS Panzer Division "Viking. The unique 5th SS Panzer Division was made up largely of volunteers from Denmark, Sweden, Norway, Finland, Estonia, the Netherlands, and Belgium, serving on the Eastern Front from 1942 to the end of the war, including action at Kharkov and Warsaw. Offered for the first
Criminal Disenfranchisement in an International PerspectiveThis collection of original essays by leading scholars and advocates offers the first international examination of the nature, causes, and effects of laws regulating voting by people with criminal convictions. In deciding whether prisoners shall retain the right to vote, a country faces vital questions about democratic self-definition and constitutional values ÇÏ and, increasingly, about the scope
For Healing, Massage Therapy and ReflexologySupported by easy-to-understand descriptions and illustrations, this compendium demonstrates the effects and uses of crystal wands as a major therapeutic tool for well-being and good health. From simple-to-perform massages to specialized reflexology uses, the featured techniques depict the multitude of possibilities for using crystal wands in tandem with massage, including specialized programs for
My Friendship with Sparky Anderson and the Lessons He Shared About Baseball and LifeIn the tradition of Tuesdays With Morrie, Dan Ewald pens a memoir of his friendship with legendary Tigers manager Sparky Anderson, the man who taught him not only the nuances of baseball, but the importance of life's unwritten rules.Few sports figures, regardless of their position, have generated as much good will as Sparky Anderson, the legendary manager for the Cincinnati Reds and the Detroit

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Serious Wheels Classic,
Sports & Muscle Cars
Join us on
July 5 - 2015 mcchip-dkr Mercedes-AMG GT mcchip-dkr offers a significant power upgrade path for the Mercedes-AMG GT for not a lot of money. Their software optimization of the GT's
4 liter twin turbocharged V8 boosts power to 590 horses and 553
lb-ft of torque.
2015 mcchip-dkr Mercedes-AMG GT
July 5 - 2015 Vorsteiner BMW M4 Evo The latest Evo front spoiler and deck lid spoiler from Vorsteiner
are seen here on this BMW M4.
2015 Vorsteiner BMW M4 Evo
July 1 - 2015 Novitec Rosso California T N-Largo Earlier this year, Novitec had
an aerodynamic package with performance upgrades for the California
T. The latest package, the N-Largo, offers a more extensive
aerodynamic kit, as well as an additional performance boost
2015 Novitec Rosso California T N-Largo
June 30 - 2016 Bentley Continental GT Speed Breitling Jet Team
Series The Breitling Jet Team, sponsored by the Swiss watch manufacturer, is the world's largest civilian flight team performing breathtaking stunts in jets. There are 7 jets, and similarly 7 Jet Team Bentley Continentals.
2016 Bentley Continental GT Speed Breitling Jet Team
June 30 - 2015 Vorsteiner Porsche 911 Carrera S This silvery 911 Carrera S showcases Vorsteiner's
20" V-FF 101 Wheels in Carbon Graphite.
2015 Vorsteiner Porsche 911 Carrera S
June 29 - 2016 Lotus 3-Eleven Lotus debuts a completely
new composite body on the Lotus 3-Eleven that excels in what Lotus
has always excelled at: making extremely lightweight sports cars
with a high power to weight ratio.
2016 Lotus 3-Eleven
June 26 - 2015 Porsche 919 Hybrid Le Mans Winner With
their most recent 1-2 win at Le Mans, Porsche reasserts their
historical dominance of the world's most famous endurance race
2015 Porsche 919 Hybrid Le Mans Winner
June 26 - 2015 Mac Audio Mini Clubman S German sound company Mac Audio has created this special showcar using 8 major audio components aimed at high fidelity.
2015 Mac Audio Mini Clubman S
June 24 - 2015 Wimmer KTM X-Bow GT The KTM X-Bow already had a high output of 140.5 hp per liter from its turbocharged 4-banger. Wimmer takes it to another level entirely with their set of software optimizations and assorted upgrades to give the engine an extreme 242.5 hp per liter, or 485 hp total. This type of power in the lightweight X-Bow allows for a 0-62 mph time of just a hair under 3 seconds.
2015 Wimmer KTM X-Bow GT
June 22 - 2015 Land Rover Defender 2,000,000 The Land Rover Defender has been in continuous production, with few design changes, since 1983. The model was a successor to the Series Land Rover that launched in 1948, when Land Rover was not a separate marque, but a model built by the English automaker Rover. The history of these two intertwined models will come to an end in December 2015, when Land Rover ceases production of the Defender. This special edition is built to commemorate the production of the 2 millionth car from these two combined model runs.
2015 Land Rover Defender 2,000,000
June 19 - 2015 Prior Design Ferrari 458 Italia PD458 Prior Design has created a new series of upgrades for the 8-cylinder mid-engine Ferrari.
2015 Prior Design Ferrari 458 Italia PD458
June 17 - 2015 Torino Design ATS Wild Twelve Concept ATS, short for Automobili Turismo e Sport, is an Italian car manufacturer formed by famous names like Carlo Chiti and Giotto Bizzarrini in the 1960s. Torino Design is a firm employing 60 automotive professional that has produced over 200 projects in the past decade. Together, they've created this new 848 hp hybrid supercar that can achieve a run from 0-62 mph in a mere 2.6 seconds, on its way up to a top speed of 242 mph.
2015 Torino Design ATS Wild Twelve Concept
June 16 - 2015 Rezvani Beast The Beast weighs in at a
svelte 1650 lbs. What makes that number a little extraordinary is
that they manage to create a car that produces a full 500 hp and
still holds itself together while doing so. The resulting power to
weight ratio of 3.3 lbs per hp puts it the most rarefied atmosphere
of top performance cars, and gives it a 0-60 mph time of 2.7
2015 Rezvani Beast
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distinguish the 7 Series from rival manufacturers like Mercedes.
Features include true remote parking and dashboard gesture control.
2016 BMW 7 Series
June 13 - 2016 Ford GT Race Car 50 years after Ford won a
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original winning GT40.
2016 Ford GT Race Car
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with a body to be supplied by bespoke coachwork firms.
1952 Rolls-Royce Silver Dawn
June 9 - 2016 BMW X1 The second-generation X1 has gone for a more upright SUV appearance over its wagonlike
predecessor. It has grown a significant 53 millimeters in height
over the outgoing model, which translates to added space, notably an
increase in cargo area volume from 420 to 505 liters.
June 8 - 2015 Oettinger Volkswagen Golf 500R If you were looking for the most extreme performance package available for the Volkswagen Golf, then Oettinger
has an offer for you. Their all wheel drive 500R, at 518 hp, is the
first phase in a series of Volkswagens with outputs of 600, 650, and
even 750 hp.
2015 Oettinger Volkswagen Golf 500R
June 6 - 2015 Kaege Porsche 997 GT3 Clubsport Kaege
set to work on making a number of individually minor modifications
to increase performance from the track-focused GT3.
2015 Kaege Porsche 997 GT3 Clubsport
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2015 AC Schnitzer BMW i8
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2015 Vilner Morgan Plus 8
June 1 - 2015 Vorsteiner Mercedes-Benz C63 AMG A matte black Mercedes-Benz C63 AMG featuring the Vorsteiner prepreg carbon fiber front spoiler and rear diffusor, as well as 19" Carbon Graphite V-FF 103 wheels.
2015 Vorsteiner Mercedes-Benz C63 AMG
May 31 - 2015 HG-Motorsport Audi TTS HG-Motorsport did some mild massaging to get a moderate performance boost from the Audi TTS.
2015 HG-Motorsport Audi TTS
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upgrades for the interior and exterior, as well as their valve
control performance exhaust system.
2015 VOS Lamborghini Huracan
May 28 - 2015 BMW 3.0 CSL Hommage The Hommage is really the best possible tribute to the original 3.0 CSL
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2015 BMW 3.0 CSL Hommage
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2015 Mercedes-AMG GT S DTM Safety Car
May 25 - 2015 Vorsteiner BMW M4 GTRS4 Widebody Yas Marina Blue
Vorsteiner is not kidding when they call this a widebody kit. The body package consists of a front bumper, front fenders, side skirts, wide arch rear bumper and rear quarter panels. All parts utilize Vorsteiner's autoclaved pre-preg carbon fiber structure.
2015 Vorsteiner BMW M4 Widebody Yas Marina Blue
May 25 - 2015 Prior Design Mercedes-Benz SLS AMG PD900GT The SLS AMG already has a wide profile, and the PD900GT kit from Prior Design builds on that. There is a four part front bumper with four lateral gills, a six part front wing, a two part bonnet with air intakes, two part side skirts with a prominent blade, the four part flares on the rear quarters, a two part rear bumper/diffusor, and a five part rear valve spoiler.
2015 Prior Design Mercedes-Benz SLS AMG PD900GT
May 23 - 2016 Chevrolet Camaro While the visual design changes to the sixth-generation Camaro are evolutionary and not revolutionary, you wouldn't know that from comparing the parts list. There are only two parts from the fifth-generation that are carried over: the rear bowtie emblem & the SS badge.
2016 Chevrolet Camaro
May 20 - 2008 Scuderia Bizzarrini p538 Barchetta Prototype
A look at one of the most intriguing supercar projects of the 2000s,
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2008 Scuderia Bizzarrini p538 Barchetta Prototype
May 17 - 2015 Novitec Rosso Ferrari California T Nothing
builds power quite like a turbo, and Novitec took advantage of that
when they upgraded the engine management software and added a new
exhaust to bring a total output of up to 658 hp and an equally
impressive 642 lb-ft of torque from the 3.9 liter V8. The
comprehensive aerodynamic package has been wind tunnel tested, and
all components are available in visible carbon fiber. Parts include
the front spoiler, hood inserts, fender vents, side panels, air
outlet cover on the rear bumper, and the rear spoiler lip.
2015 Novitec Rosso Ferrari California T
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3br/3ba. modern, roof deck, garageUnited States, Washington, Seattle
About This Listing
Stellar new modern new construction with roof deck, and 3 full bedrooms and baths! 88 walkscore!
We prefer longer stays. 4 nights or longer for dates passing through weekends.
Space where guests can cook their own meals
Central heating or a heater in the listing
In the building, free or for a fee
Space where guests can cook their own meals
Towels, bed sheets, soap, and toilet paper
Central heating or a heater in the listing
In the building, free or for a fee
In the building, free or for a fee
Continuous access in the listing
Breakfast is provided.
The listing can accommodate a gathering of 25 or more attendees
Easy access to the building and listing for guests in wheelchairs
Private or Shared
Free, in the building or nearby
Posted emergency information and resources
The Space
Cool new construction in Wallingford! From the innovative Plan Room of Build Urban, this ultra-efficient home achieves 5-Star Built-Green rating - triple pane windows, HRV unit for interior air quality, low VOC paint/sealants, pervious pavement & concrete floors with radiant heat throughout. Elegant exposed beams & open stairs with custom metal rails. Dream kitchen w/ island, stainless appliances and gas 5 burner range. Unreal city views for from the huge (private) rooftop deck.
Central Wallingford location. Walk everywhere. Gas Works, Troll, Fremont, 45th street shops and restaurants, Green Lake.
Things you want to know: 3 bedrooms, garage parking, and room for another car out front. roof top deck with sink and stunning city + lake views. The small looking bedroom in the photos is small. But, it has a walk-in closet so plenty of room for your things.
Furnishings are modern and clean, but the sheets are new, fresh, and comfortable. Enjoy the open kitchen / living area layout.
NOTES: this is a new home, so we're constantly making small additions and refinements.
queen size airbed & convertible sofa (full futon pictured) for additional guests for up to 4 more additional guests. 3 queen beds.
85 walk score - very walkable.
Centrally located in Wallingford, this free-standing home (no shared walls) is 7 blocks to lively 45th street in Wallingford with a range of restaurants, coffee shops, bars, and eclectic shopping. First of many coffee shops is 3 blocks away. Famous Gas Works Park, Lake Union (seaplanes and paddle boats), Burke Gilman Trai (run, bike, blade)l, Fremont (The Troll and Center of the Universe) are all an easy walk.
Green lake is 10 blocks (jog the 3 mile loop or paddle in the lake). 2 miles to Husky Stadium. The following neighborhoods are closer than 10 minutes - Ballard, Fremont, Greenlake, Belltown, Pike's Place Market, Pioneer Square, Queen Anne, Capitol Hill and Montlake. 2 minutes to 99. 5 minutes to I5. Easy access to buses and public transportation.
Wi-Fi, cable, washer dryer included.
Guest Access
whole home, to themselves. access via key box kept onsite.
Interaction with Guests
I don't live in town, but am always just a call, text, e-mail away.
The Neighborhood
Wallingford - one of Seattle best and most central neighborhoods in Seattle. Adjacent to Fremont, the U District, and Green Lake. Easy access to 99 & 5. Not far from 520 bridge. to the east side (bellevue, redmond, kirkland)
Getting Around
There is a 1 car garage. Close to multiple bus routes. Street parking is available, but observe parking signs. Angle of the drive way is a bit steep and doesn't accommodate all cars.
Other Things to Note
We have a preference for longer stays: 4 nights during fall / winter / spring). 6 nights+ May - September.
Though, if there are gaps in the calendar between bookings, we will consider shorter stays.
We try to avoid saturday check-in / check-outs as they break up weekends.
Higher rates may apply for memorial day, 4th of july, labor day, and UW graduation, thanksgiving, christmas, NYE.
No parties or events.
no smoking, no pets, no glitter, no abrasive cleaners on stainless steel, no parties or events.
63 Reviews
Very good location. My mother and i spend almost a week there. House is clean. Seth have a good taste for the fitment. My mother are willing to take care of the house, cause it is real like a home. Also Seth is very good communication. Anything you need help, he will reply you at the first (website hidden): bed is confortable as home.
We hope will have chance to come back again.
This house is in a great neighborhood and very close to downtown. We loved the view from the roof and the very modern feel of the building. We would definitely stay here again but here are some things to know:
1- shortage of towels. The house sleeps eight but there were only five towels
2-there is no cable and no password for the Amazon prime account
3-the owner only provides 2 rolls of toilet paper for each bathroom. Stock up before you arrive
4-bring socks! This place has heated floors but we were not cold but didn't want our feet to freeze so just bring extra socks.
What can I say? Seth's place is absolutely beautiful. The modern/industrial feel of the place was incredible. I've always wanted to experience living/staying in a place like this! The design and decoration of the place is stunning and the view from the rooftop is spectacular. My coworker and I stayed here for 2 nights and thoroughly enjoyed our stay here! Seth was the perfect host and communicated quickly and efficiently with us. He provides guest with an "instruction manual" of sorts that was very helpful and made sure our stay was fun and smooth for both parties. We didn't walk around the area too much, but the neighborhood definitely felt safe and we saw many conveniences very close by. His place is well stocked and has everything you would need. We also loved the chocolates on the towels left in each room :)
I would highly recommend Seth's place if you're staying in Seattle!
Beautiful place. Easy access to downtown Seattle. Nearby restaurants and natural food coop. Host was perfect.
Our stay here went very smoothly! The house manual was very descriptive and helpful. The house was beautiful and had an amazing rooftop view.
This house is in a great neighborhood. We enjoyed walking everywhere, including to Green Lake, breakfast at Julia's and dinner in the Freemont neighborhood. Seth's guide to the house was very detailed and the house was as advertised. The house was also nicely stocked with pantry items like salt/pepper and coffee filters (items that are a pain to get if you are just staying for just a couple of nights). Thanks for a great stay Seth!
The house is beautiful and in a perfect location close to the UW (which we were there to visit) and downtown. The neighborhood is very quiet, and the view from the rooftop is great! Seth was easy to communicate with and gave very clear instructions for check-in and check-out. We'd definitely stay there again.
This host has 184 reviews for other properties.View Other Reviews
About the Host, Seth
I'm a global traveler with an appreciation for architectural details and delicious street foods. I own a home in Seattle that I rent full-time, and have an apartment here in SF where I rent either the extra bedroom or the whole house
If you're considering coming as a guest without a full itinerary, I can give you the local scoop on a lot of great activities that you won't read about online or in your guide books. Or, if you know the area or have it all figured out, that's cool too.
As a guest, I know that Hosts make the best guests since we treat homes as if they were our own and take extra care to return everything as it was found.
When I'm not hosting, I might be out running, rowing (seattle), cycling, or wearing down the tread on my hiking boots. Either that, or perched on a neighborhood barstool catching up with the gang.


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Homemade Popcorn with Spiced Honey
This spicy popcorn packs a serious punch—no microwave required.
Healthy Dessert: Walnut Banana Pudding
The creator of Organic Avenue juices shares a delicious dessert from her new book, and you won't feel the slightest twinge of diet guilt.
The Best Brunch Recipes for Mother's Day
Share the traditional Mother's Day meal with your loved ones. But please, don't cook it yourself.
Mexican Hot Chocolate
...with benefits for your developing baby!
Recipe: Satisfy Your Chocolate Cravings
The easy-to-make chocolate bark you've gotta try.
7 Refreshing Summer Mocktails
No alcohol? No problem.
Bread Salad
This veggie-packed salad will keep you full and satisfied for hours
Eating Healthy During Pregnancy: Yes You Can!
It's never too late to eat a healthy prenatal diet.
10 Delicious Chocolate Recipes
Indulge (without guilt!) in the ultimate comfort food with these flavor-packed recipes.
Home-Style Chicken Soup
The perfect hot meal for the whole family
Your Guide to Healthier Pizza
Spin pizza into a prenatal-nutrition power house.
Healthy Recipes For Nursing Moms
Nutrient rich breastfeeding-friendly recipes.
10 (Surprising!) Prenatal Power Foods
Foods that provide the nutrition you need for a healthy pregnancy.
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How to have a healthy pregnancy—without meat.
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In case you missed it, President Obama finally joined Twitter. POTUS engaged his followers earlier today in a live chat about climate change, and users did not shy ...On May 28, 2015 / By Cassady Sharp
An alarming statistic was released this week by the Center for Effective Government about the vulnerability schoolchildren face from a major chemical release or explosion. One and three ...On October 2, 2014 / By Diana Ruiz
Last Friday President Obama's Administration announced that it has approved the use of seismic testing to explore for offshore East Coast oil exploration from Delaware to Florida risking the ...On July 21, 2014 / By Phil Kline
On Wednesday, President Obama announced a series of climate change initiatives that would help communities in the U.S. become better prepared for climate-related issues such as rising sea ...On July 17, 2014 / By Sivan Sherriffe
Congress has debated chemical safety and security policy for twelve years and no action has been taken for reform on chemical security. However, over the last two years, ...On June 24, 2014 / By Diana Ruiz
The Bicameral Task Force on Climate Change today released several recommendations for the Department of Interior to support President Obama's Climate Action Plan, including a call to reform ...On December 20, 2013 / By Joe Smyth
Today, President Obama ordered federal agencies to source 20 percent of their electricity from new renewable sources by 2020. The move comes as an update to a 2009 ...On December 5, 2013 / By Mike Johnson
With the media flurry since the West, TX explosion it would seem that chemical disasters are somehow a new issue. Yet, communities near these facilities and workers who ...On October 21, 2013 / By John Deans
Last week, six Greenpeace activists attended a U.S. House Energy & Power Subcommittee hearing on President Obama's climate change action plan. We stood out–we wore tin foil hats ...On September 26, 2013 / By Connor Gibson
Fifty years ago this week, more than 250,000 people from all over the country converged on Washington to march for justice. Martin Luther King's 'I have a Dream' ...On August 21, 2013 / By Phil Radford
Greenpeace is an independent organization that does not take money from corporations or government. We rely on individual donations from people just like you.Donate


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Latest news
City Retail Strategy Launched
18 June, 2015
'Experience Adelaide', the Adelaide City Retail Strategy 2015-20 has been launched by the Adelaide City Council. The vision is 'The city of Adelaide offers a remarkable shopping experience complemented by authentic and unique city experiences creating a prosperous city economy'. As part of the strategy's implementation, Council also announced the establishment of the 'Adelaide City […]...more
Adelaide Fringe 2015 Generates Record Returns
5 June, 2015
The 2015 Adelaide Fringe Festival has delivered $68.8M worth of economic impact to the South Australian economy. The figure was revealed in a review of the 2015 event. Read more here...more
Showcasing Adelaide Investment Opportunities
26 May, 2015
With ongoing transformation of the city and many infrastructure projects in the pipeline, Adelaide currently offers an exciting array of investment opportunities. These are showcased in two new initiatives of Adelaide City Council and the Government of South Australia respectively. Council's Invest Adelaide is an online portal to Adelaide and Council for potential investors and existing […]...more
Help Shape the Park Lands
14 May, 2015
People are being asked to share their ideas about how they would like to see the Adelaide Park Lands develop into the future. Ideas about future activities and facilities, favourite spaces and how to make the most of these unique community spaces are encouraged. Read more...more


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Spring has sprung and it's starting to heat up. Over the weekend we had temperatures of over 28C here in the south of the state and over 30c in the north. While these temperatures are not uncommon in late spring, they are for this time of year.
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Continuing to treat urinary tract infections as a short-term, routine ailment rather than a long-term food safety issue risks turning the responsible bacteria into a major health crisis.
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Jerome Peloquin's curator insight, July 2, 12:24 PM
Cargil owns a number of great salt mines that would be excellent for this growing. Also, many urban areas have underground spaces that could accommodate a vertical strategy. Wonderful thermally stable, bio secure, and easily isolated from persts, etc.
Ra's curator insight, June 23, 5:27 PM
"A new technology developed by chemists at UCLA is capable of storing solar energy for up to several weeks."
changes to solar panel construction that could do away with the need for bulky battery storage or any connection to the grid. Rural camp site looking brighter, although maybe somewhere in the future.
Jerome Peloquin's curator insight, July 2, 12:21 PM
I think this is Vertigrow and if it is ... I believe they are out of business
Jerome Peloquin's curator insight, July 2, 12:28 PM
Aquaponics makes the case for the only real sustainable farming method available ...much more that traditional organic, much more even than Hydroponic ... and it produces both protein and vegetables. An aquaponic farm makes the perfect backdrop for a sustainable food experience.


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Tunica farm hosts USDA leaders
Krysta Harden looked at home as she pulled on a pair of rubber knee pants and ventured into a Tunica County corn field last Thursday.
Harden, sworn in as Assistant Secretary of the U.S. Department of Agriculture last August, toured two MP Farms tracts in North Tunica County, en route to keynoting the 2014 Delta Council Annual Meeting in Cleveland on Friday, May 30.
The 54 year old Georgia native, born into a peanut farming family, saw demonstrations here of the kind of conservation and crop management practices that are an important part of the 2014 Farm Bill (see related story, Page 2).
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Another life begins
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Can someone give me a detailed instalation procedure for gVim Portable and important C++ and python development plugins ... like OmniCppComplete, NERDTree, supertab etc ...
or better yet, a prebuilt version
Using plugins on portable vim will require slightly different steps than the regular install. From the configuration page, your .vim file should probably be in Data/settings/.vim instead of ~/.vim
Follow the plugin install instructions and substitute ~/.vim with ((where you put PortableGvim))/Data/settings/.vim
If a plugin does an automatic install, then you may need to move files from ~/.vim
You may find it easier to grab someone else's vimfiles. Mine are on github.
As for the plugins themselves, I got started with this post. See also this SO question.
For what it's worth, if you can live with there being possible issues if you use a computer with vim installed and vimfiles present in the $HOME directory, you can simply take your
Importantly, this does not require messing about with PortableGvim (which I've never really seen the point of since gvim is essentially portable anyway if you ignore the possible $HOME issues) and allows you to easily synchronise all of your settings between your desktop vim installation and your portable one.
On top of this, I also put vimrc in c:\vim\vimfiles and have _vimrc in c:\vim with the following contents:
and then put the whole of c:\vim\vimfiles under version control. This makes it very easy to keep the copy on the USB stick and the copy on the Windows PC (and the copy on my home Linux PC and... and...) synchronised.


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This Bluetooth keyboard case is a perfect combination for your precious ASUS VivoTab Note 8 M80TA (Windows 8.1) tablet. It provides full protection in a stylish leather case with DETACHABLE wireless Bluetooth keyboard built inside. It is easy to use and easy to setup so you get the best of both worlds. Great for the traveling business person, student, and everyone else in between. Well built to protect your ASUS VivoTab Note 8 M80TA (Windows 8.1) tablet for the years to come.
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Financing Vietnams response to climate change : building a sustainable future - key findings and recommendations of the climate public expenditures and investment review
The Government of Vietnam (GoV) has conducted a Climate Public Expenditure and Investment Review (CPEIR) with the support of the World Bank and the United Nations Development... Show More +
Building climate and disaster resilience in communities along Dili-Ainaro and linked road corridors project : synthesis report
Timor-Leste is vulnerable to natural hazards including floods, strong winds, landslides, earthquakes, and tsunamis. These hazards are common causing significant damages... Show More +
Financing Vietnams response to climate change : smart investment for a sustainable future : Financing Vietnam's response to climate change : smart investment for a sustainable future : laying the foundation for resilient low-carbon development through climate public expenditure and investment review
Climate-related hazards have adverse effects on national growth and poverty reduction, affecting the poor and several sectors of the economy simultaneously. At its current... Show More +
Timor-Leste Road Climate Resilience Project
A lack of maintenance and repairs since the countrys independence in 2002 has led to the poor condition of most of Timor-Lestes road network. Despite minor works on... Show More +
Community Resilience to Climate and Disaster Risk in Solomon Islands Project (CRISP)
Solomon Islands is at high risk to natural hazards. Located in the Pacific Ring of Fire and within the cyclone belt, it is one of the 20 countries in the world most... Show More +
Strengthening financial resilience in the Pacific
The Pacific Island region is highly vulnerable to natural disasters and climate-related hazards, costing some countries up to an average of 6.6 percent gross domestic... Show More +
Small hydro resource mapping in Vietnam : inception report
The energy sector management assistance program (ESMAP) is a global knowledge and technical assistance program administered by the World Bank Group (WBG) and supported... Show More +
The critical mass approach to achieve a deal on green goods and services : what is on the table? how much to expect ?
At the Davos forum of January 2014, a group of 14 countries pledged to launch negotiations on liberalizing trade in green goods (also known as environmental goods),... Show More +
Small hydro resource mapping in Indonesia : inception report
The purpose of this inception report is to describe the project approach and methodology in detail, and to describe the consultants activities in the inception phase... Show More +
Philippine economic update : pursuing inclusive growth through sustainable reconstruction and job creation
Despite typhoon Yolanda and a string of natural disasters throughout 2013, Philippine economic growth accelerated to 7.2 percent in 2013. Higher growth was underpinned... Show More +
Global Environment Facility (GEF) Vanuatu and Secretariat for the Pacific Islands Regional Environment Program (SPREP) portfolio evaluation (1991-2012) (Vol. 2) : Global environmental benefits assessment : regional environmental legal framework
At the request of the Global Environment Facility (GEF) Council, the Evaluation Office conducts country portfolio evaluations (CPEs) every year. CPEs aim to provide... Show More +
Global Environment Facility (GEF) Vanuatu and Secretariat for the Pacific Islands Regional Environment Program (SPREP) portfolio evaluation (1991-2012) : Evaluation report
At the request of the Global Environment Facility (GEF) Council, the Evaluation Office conducts country portfolio evaluations (CPEs) every year. CPEs aim to provide... Show More +
Strengthening financial resilience in the Pacific
The Pacific Island region is highly vulnerable to natural disasters and climate-related hazards, costing some countries an average of up to 6.6 of gross domestic product... Show More +
Mongolia : Development impacts of solar-powered electricity services
Mongolia is a vast landlocked country with a relatively small population. Other than those living in the capital city and a few urban centers, the rest of its citizens... Show More +
The World Bank Asia Sustainable and Alternative Energy (ASTAE) Program annual status report - FY2014
The World Bank Asia Sustainable and Alternative Energy (ASTAE) Program annual status report includes the following headings: complex challenges, dynamic opportunities;... Show More +
Diversified development : making the most of natural resources in Eurasia
This report is about the twelve countries of the former Soviet Union (Eurasia). About 85 percent of the regions economic output is in six resource-rich economies. Today,... Show More +
Proceedings of the International Workshop on Best Practice of Climate Change Action Plan of C40 Cities in East Asia
The workshop on City-scale Climate Action Planning in East and Southeast Asia was held in Singapore from April 10-12, 2013. The main objective of the workshop was to... Show More +
Facilitating trade through competitive, low-carbon transport : the case for Vietnams inland and coastal waterways
In Vietnam, sustained high rates of growth in gross domestic product (GDP) averaging 7.2 percent per year over the past 20 years have resulted in higher demand for freight... Show More +
The green growth movement in the Republic of Korea : option or necessity?
The most important driver of this vision was public recognition that high levels of carbon dependent economic growth were not sustainable. This vision aimed to shift... Show More +
Energizing green cities in Southeast Asia : applying sustainable urban energy and emissions planning
Fast-growing cities in the East Asia and Pacific (EAP) region will define the regions energy future and its greenhouse gas (GHG) footprint. Rapid urbanization and growing... Show More +


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Short Cuts
Bishop of Amiens, France, a patron of bakers and confectioners, also called Honore The Rue Saint Honore in Paris was named after him. Honoratus was born in Port le Grand. Many miracles were reported at his shrine.
Saint Anthony was canonized (declared a saint) less than one year after his death. There is perhaps no more loved and admired saint in the Catholic Church than Saint Anthony of Padua, a ... continue reading | shop
Everything we know about the husband of Mary and the foster father of Jesus comes from Scripture and that has seemed too little for those who made up legends about him. We know he was a ... continue reading | shop
St. Jude, known as Thaddaeus, was a brother of St. James the Less, and a relative of Our Saviour. St. Jude was one of the 12 Apostles of Jesus. Ancient writers tell us that he preached ... continue reading | shop
English martyr. He was born at Stocksteads, Hampshire, and was a convert. He was arrested the day he received his first Communion. A husbands man by trade, Ralph was allowed a leave from prison and ... continue readingMore Saint of the Day
St. Rita was born at Spoleto, Italy in 1381. At an early age, she begged her parents to allow her to enter a convent. Instead they arranged a marriage for her. Rita became a good wife and mother, but her husband was a man of violent temper. In anger he often mistreated ... continue readingMore Female Saints
St. Michael the Archangel - Feast day - September 29th The name Michael signifies "Who is like to God?" and was the warcry of the good angels in the battle fought in heaven against satan and his followers. Holy Scripture describes St. Michael as "one of the chief ... continue reading
The name Gabriel means "man of God," or "God has shown himself mighty." It appears first in the prophesies of Daniel in the Old Testament. The angel announced to Daniel the prophecy of the seventy weeks. His name also occurs in the apocryphal book of Henoch. He was the ... continue reading
Marguerite had survived many threats in the twenty-six years she had been in wilderness of Canada. She had lived through Iroquois attacks, a fire that destroyed her small village, plagues on the ... continue reading
This American saint was born in Bohemia in 1811. He was looking forward to being ordained in 1835 when the bishop decided there would be no more ordinations. It is difficult for us to imagine now, ... continue reading
By Justin Soutar
During his visit to the United States this coming September, Pope Francis will canonize Blessed Junipero Serra, the heroic 'Apostle of California.' Once that happens, the Golden State will have its own patron saint and the Church will have another great missionary role ... continue readingMore Christian Saints & Heroes


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I've made a compliment about cast members on two seperate occasions. And I was wondering, what exactly happens with those. When I sent an email about a character, I recieved an email back that said "We have forwarded a copy of your letter to our Entertainment Department so that all concerned may be aware of your compliments."
So what does that really mean? Is it just something they say, or do they actually do somethin about it?
Thanks in advance, I've been wondering about this for awhile now


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Since large numbers of viewers lost WGHP-TV's over the air signal, the FCC has allowed the High Point, NC, television station to move its DTV signal from VHF's channel 8 to its pretransition UHF channel 35.
WGHP had changed from channel 35 to channel 8 during the DTV transition on June 12. Immediately losing viewers, it was granted a temporary waiver to operate on both channels. After monitoring the signal for several months, the station requested the move back to the original channel. The FCC agreed.
About a half-dozen stations are still deciding whether to switch channels, the FCC said last week.
An Inside Look at Four Virtual Reality Start-Ups
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comScore Introduces MobiLens Plus
North Korean Propoganda Art Inspires the Credits of 'The Interview'
Imaginary Forces Creates Kaleidoscopic Titles for 'Bosch'
Filmmaker Embraces Short Documentary Format with Oscar-Nominated 'Crisis Hotline'
North Metro Television Goes Wireless with Comrex LiveShot
Spectra Logic and HauteSpot Networks Introduce Body-Worn Camera Video Surveillance Solution
Huge Ultra HD Display Lights Up Times Square


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ORLANDO -- Evan Turner will almost certainly add poise, balance and consistency to the Philadelphia 76ers. His confidence and attitude are two of the many reasons the Sixers chose Turner with the second overall pick in the 2010 NBA Draft.
The rookie out of Ohio State showed flashes again on Tuesday in Philadelphia's 86-69 victory over the Boston Celtics that he can ultimately become a first-class player in the NBA.
Although he accumulated just 13 points on 5-of-12 shooting, Turner showed he has the tools to carry a franchise. His production, furthermore, will eventually improve as he gets in game shape to play at an NBA speed.
"He's searching," Sixers head coach Doug Collins said about Turner. "He's just trying to figure it all out right now."
It will be especially helpful for Turner with teammate Jrue Holiday running the show. After just two days of Summer League action, the second-year standout has already proven he is one of the more talented players involved in this week's competition.
Holiday fired in 10 points and five assists, including a breathtaking alley-oop dish to Marreese Speights for a vicious one-handed jam late in the fourth quarter. Speights finished with 12 points and 11 rebounds.
Jodie Meeks also had a solid outing with a game-high 18 points, while Cedric Simmons contributed 10.
Luke Harangody and Jaycee Carroll each led Boston, which controlled a 12-point advantage early in the first quarter, with 14 points. Harangody also grabbed 12 rebounds.


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Population history of the Hispaniolan hutia Plagiodontia aedium (Rodentia: Capromyidae): testing the model of ancient differentiation on a geotectonically complex Caribbean island
Article first published online: 8 MAR 2012
DOI: 10.1111/j.1365-294X.2012.05514.x
© 2012 Blackwell Publishing Ltd
Molecular Ecology
Volume 21, Issue 9, pages 2239–2253, May 2012
Additional Information
How to Cite
BRACE, S., BARNES, I., POWELL, A., PEARSON, R., WOOLAVER, L. G., THOMAS, M. G. and TURVEY, S. T. (2012), Population history of the Hispaniolan hutia Plagiodontia aedium (Rodentia: Capromyidae): testing the model of ancient differentiation on a geotectonically complex Caribbean island. Molecular Ecology, 21: 2239–2253. doi: 10.1111/j.1365-294X.2012.05514.x
Publication History
- Issue published online: 17 APR 2012
- Article first published online: 8 MAR 2012
- Received 19 April 2011; revision received 18 January 2012; accepted 20 January 2012
- allopatric differentiation;
- ancient DNA;
- conservation genetics;
- Hispaniolan hutia;
- historical biogeography;
- palaeo-islands
Hispaniola is a geotectonically complex island consisting of two palaeo-islands that docked c. 10 Ma, with a further geological boundary subdividing the southern palaeo-island into eastern and western regions. All three regions have been isolated by marine barriers during the late Cenozoic and possess biogeographically distinct terrestrial biotas. However, there is currently little evidence to indicate whether Hispaniolan mammals show distributional patterns reflecting this geotectonic history, as the island's endemic land mammal fauna is now almost entirely extinct. We obtained samples of Hispaniolan hutia (Plagiodontia aedium), one of the two surviving Hispaniolan land mammal species, through fieldwork and historical museum collections from seven localities distributed across all three of the island's biogeographic regions. Phylogenetic analysis using mitochondrial DNA (cytochrome b) reveals a pattern of historical allopatric lineage divergence in this species, with the spatial distribution of three distinct hutia lineages biogeographically consistent with the island's geotectonic history. Coalescent modelling, approximate Bayesian computation and approximate Bayes factor analyses support our phylogenetic inferences, indicating near-complete genetic isolation of these biogeographically separate populations and differing estimates of their effective population sizes. Spatial congruence of hutia lineage divergence is not however matched by temporal congruence with divergences in other Hispaniolan taxa or major events in Hispaniola's geotectonic history; divergence between northern and southern hutia lineages dates to c. 0.6 Ma, significantly later than the unification of the palaeo-islands. The three allopatric Plagiodontia populations should all be treated as distinct management units for conservation, with particular attention required for the northern population (low haplotype diversity) and the south-western population (high haplotype diversity but highly threatened).


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Glenn Beck is the famous adult who cries, on television, for money. He is in no position to make fun of anyone—unless someone, somewhere is crying on television for free. Anyway, jumping off President Obama's statement yesterday that his daughter Malia inquired about the status of attempts to plug the leaking oil well, Beck made fun of Malia, who is 11, on his radio show this morning. The transcript reads thusly: "BECK (imitating Malia) Why, why, why, why, do you still let the polar bears die? Daddy, why do you still let Sarah Palin destroy the environment? Why are—Daddy, why don't you just put her in some sort of a camp?" Does B.P. have the technology to plug Glenn Beck?
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