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Méthodologies CESP- zones humides
Dans cette section des pages «Information», nous présentons du matériel utile à ceux qui participent à la planification d'activités de CESP ou à l'élaboration de programmes de CESP; l'accent est mis sur le matériel qui décrit des méthodologies de CESP pour les zones humides. : Directement associé avec la mise en œuvre de la Résolution X.8 de la CESP de Ramsar, un Guide à l'élaboration participative de plans d'action et techniques d'animation de groupes a été spécifiquement conçu pour les points focaux CESP nommés par les Parties contractantes à la Convention pour les aider dans l'élaboration de plans actions. En complément à ceci, il y a la boîte à outils de la CESP de la CDB qui fournit des outils sur : où, quand et comment utiliser des instruments utiles, à une large audience pour les praticiens de la CESP.
Les publications ci-après documentent toute une gamme de méthodologies de CESP. La plupart d'entre elles sont en anglais et nous nous en excusons. Merci de nous faire connaître les documents méthodologiques intéressants disponibles en français.
Ces publications sont regroupées en quatre sections - techniques de communication; communication axée sur les centres d'accueil des visiteurs ; techniques participatives; et méthodes d'éducation à l'environnement/à la durabilité. Tout en espérant que ces sections vous seront utiles, nous vous rendons attentifs/ves au fait qu'elles ne s'excluent pas mutuellement et qu'elles se chevauchent inévitablement. À l'instar des autres pages de ce mini-site Web, il s'agit d'un travail en cours et nous espérons que les lecteurs/lectrices seront disposé(e)s à partager ici le matériel de référence intéressant qu'ils/elles ont mis au point ou utilisent (veuillez contacter firstname.lastname@example.com).
Tous les liens indiqués ci-après renvoient à des documents disponibles par voie électronique, dont un certain nombre peuvent également être achetés sur support papier.
Communicating science
Write a press release, brief ing policymakers in science-related issues, making a science news story for radio - a series of articles from well-known media writers covers these and other topics on the web-based Science and Development Network. Available here.
New rules: new game
An easy-to-read 12-page booklet providing a practical guide for action on changing behaviour to stop damaging the climate. It's intended for businesses, NGOs, government authorities and international agencies undertaking or planning climate change communication. Produced by the communications company Futerra, it is available as a PDF file and can be downloaded here.
CEPA toolkit
Although designed to assist CBDs focal points in implementing their National Biodiversity Stategies/Action Plans, this toolkit offers all CEPA professionals a wide range of resources to update their knowledge and skills. It includes fact sheets, checklists and practical examples from all over the world. Available online and for download here
Designing a Communication Strategy: The 4-P Workshop
Published by Conservation International, this text is intended to help stakeholders plan an awareness campaign. The 4-P Workshop takes readers through the planning of a two-day workshop to analyse conservation problems, the potential targets, the most appropriate communication tools to reach each audience, and the development of a campaign plan taking into account the local context and resources. Available for download in PDF format here.
Communicating Sustainability - How to produce effective public campaigns
A UNEP/FUTERRA guide (published in 2005) that shows how the power of communication can be harnessed for achieving the goal of promoting more sustainable lifestyles. It is designed for local and national government authorities as well as communication professionals - in fact for anyone who wants to develop and implement public awareness campaigns on these issues. Available for download as a PDF file (2.7MB) here.
Successful Communication: A Toolkit for Researchers and Civil Society Organisations
Published in 2005 by the Overseas Development Institute, this toolkit is for researchers and practitioners who wish to communicate to policymakers. The toolkit addresses the questions of how researchers and CSOs can best communicate evidence in order to inform or influence policy, to achieve their own stated development objectives, or simply to make their own knowledge accessible and understandable to a wider audience. Available as a PDF file here.
Communicating for Recovery: A guide to developing a Recovery Plan Communications Strategy
This 50-page guide has been developed from a recovery project by WWF Australia. It details eight steps to developing and implementing a communication strategy and the authors intend the guide to be used as a model that recovery teams can adapt to suit their own setting, to ensure that their communications with key stakeholders are relevant, strategic, cost-effective and accountable. Published in 2004, it is available in PDF format here.
Managing coastal activities: new help for local authorities
This publication provides guidance for local authorities on their powers to regulate activity and their responsibilities to promote good practice among all users of the coast. It provides information to help identify current issues; act only when needed; use the right mix of measures for the local circumstances; promote solutions through voluntary action or self regulation; develop effective partnerships in management etc. Published in 2004, available online as PDF (353KB)
Communication and Natural Resource Management: experience/theory
Prepared by the Communication Development Initiative and FAO's Communication for Development Group in 2003, this resource book looks at how experience is and can be guided by theory and how theory can be derived from understanding experience. Available for download as a PDF file from FAO here (132KB).
A guide to advocacy work in the water and sanitation sector
A source book published in 2001 by WaterAid for anyone working in the water and sanitation sector who wants to undertake advocacy work. Explains the different advocacy tools, provides practical examples of advocacy work, provides information on key policy actors and processes and how to influence them at international levels and to provide information on agencies, networks and institutions engaged in advocacy work in the freshwater sector. Available for download as a PDF file here.
Wetlands Outreach: Getting the Message Out - New Techniques and New Partners for the Millennium
The product of an intensive, two-day discussion among 45 wetland outreach professionals from NGO's as well as state, federal and local governments in the USA, this publication notes the abundance and high quality of many outreach products but identifies some important gaps. Published in 2000, the document, available in PDF format, identifies generic problems, solutions and areas for future strategic wetland outreach development and cooperation.
sur les zones humides
Developing a Wetland Centre: 1. Public centres and CEPA
A manual produced by Wetland Link International outlining the philosophy, thinking and questions to be considered when developing and running a wetland centre. The emphasis in this volume is on CEPA (communications, education and public awareness) within wetland centres that are open to the public as conservation centres and visitor attractions. Available for download as a PDF file in Chinese, English, French, Portuguese and Spanish
Challenge for visitor centres: linking local people, visitors and protected areas
Documents the discussion papers and working group conclusions from a seminar jointly organised in August 2000 by the World Commission on Protected Areas and the Finnish Forest and Park Service. Available in English as a PDF file from the IUCN web site , it covers a whole range of practical issues from developing permanent exhibitions, to protected areas and their role in environmental education, to designing and delivering an interpretative guided walk etc. Take some time to look around this Web site - great info for the public.
Techniques participatives
Guide à l'élaboration participative de plans d'action et techniques d'animation de groupes
Un consultant a préparé un guide à l'intention des Parties contractantes et autres utilisateurs CESP, pour aider au processus de mise en œuvre des actions CESP. Ce guide est un outil facile à utiliser et qui aidera les utilisateurs à mettre en place des processus de planification au moyen de techniques bien conçues destinées à des groupes divers et multiples de décideurs. Au moyen du lien ci-après, vous pouvez télécharger le guide pour des planifications d'actions participatives et des techniques pour créer des groupes.
Particpation, Consensus Building and Conflict Management Training Course
These are the skills that will help water resources decisions makers avert conflict, deal with conflict should it arise, and use water decisions as a venue for dialogue when others are closed to parties locked in various types of non-water conflicts. Download here in PDF format (2.5MB).
Natura 2000, Conflict Management and Resolution
This publication was a product of a Eurosite workshop that looked at the causes of conflict and the importance of information and 'social capital'. It considers what can be done to build positive working relationships with local stakeholders to avoid or reduce conflict, investigate the mechanisms behind environmental conflicts and proposes tools and methods to manage and resolve these conflicts. Available for download here.
MSP Resource Portal: building capacity to facilitate multistakeholder processes and social learning
An online source of practical information from Wageningin International on how to facilitate participatory learning processes with various stakeholders. It provides theoretical foundations, methods and tools to create learning processes, facilitation tips, examples, literature and links.
Participatory Planning, Monitoring & Evaluation
An online source of practical information from Wageningin International on managing and learning for impact that aims to help build the capacity of individuals and organisations to effectively implement PPM&E systems (courses, advisory services, evaluation); contribute to innovation in the field of PPM&E; and provide practical web based resource materials, experience sharing and learning with this PPM&E resource portal.
Learning together to manage together: Improving participation in water management
The handbook explains why it makes sense to be more ambitious about participatory processes rather than simply informing or consulting stakeholders and the public, and it provides the methodology for creating the right framework for a successful participatory process. It offers practical guidance for the development of participation processes that meet the actual needs of stakeholders and aims to serve as a reference book for the selection of adequate participatory methods. Published in 2005, it is available here in PDF format (3.69MB).
Systems thinking and practice: Diagramming
From the Open University: some great online demos on diagramming that can be adapted for stakeholder workshops- spray diagrams, rich pictures, systems maps, multiple cause diagrams and sign graphs. Online here .
A One Stop Participation Guide: A Handbook of Public Participation in Environmental Assessment in Southern Africa
Offers helpful tips and the process to follow for public participation from the perspective of the four key stakeholders who are part of any public participation process: Practitioners, Civil Society, Government and Developers. Also has a chapter on conflict management. Published in 2005, it is available here in PDF format here.
Stakeholder dialogue– A good practice guide for users
A 20-page report which provides a useful guide for those considering working with their stakeholders in a constructive way. It describes what stakeholder dialogue involves and the benefits it brings, and describes how this approach was used on the Isles of Scilly. In PDF format here.
Education environnemental / Education au développement durable
Building a Sustainable Future: A Strategic Approach to Environmental Education in the Tonle Sap Region – Cambodia
Based on an assessment of local communities' perceptions of water and how water impacts on their livelihoods, this environmental education (EE) plan of action builds a common EE agenda which recognises the need to incorporate local culture, spiritual beliefs and religions and puts communities and their well-being at the very centre of activities. In PDF format here (1.26MB)
Handbook on methods used in Environmental Education & Education for Sustainable Development
This 110-page book, published in 2004, introduces educators to the basic ideas relevant to the various EE and ESD methods, using practical examples - a useful reference guide for educators. Synopsis of the book is available here and the full document can be downloaded in PDF format if you first join the MedIES network. Look for instructions here.
Ranger Interpretation Handbook
Rangers, nature interpreters and those involved in environmental education can use natural or semi natural areas to illustrate ways in which we can all create a more sustainable future for the planet. This handbook with examples of "best practice" has grown out of a desire to share that knowledge and good practice in our efforts to promote a more caring approach to use of the planet's finite resources and to ensure a healthy future for our children. Published in 2003, in PDF format here (520KB)
Enabling Ecoaction: a handbook for anyone working with the public on conservation
A joint publication in 2003 by the Humane Society International, WWF Australia and IUCN's Commission on Education and Communication (CEC), this handbook is designed to assist environmental educators, managers, local government environment officers and others to move away from traditional brochures and posters for the public to participative community-driven approaches to conservation that focus on enabling collective action for change. Available for download as a PDF (1.03MB) or can be purchased in hard copy from firstname.lastname@example.com .
Education for Sustainable Development Toolkit
The Pollution Prevention Guide
Written from 30+ years of experience with service-learning and environmental education, this guide was produced in responce to a growing demand from teachers and community organizers for detailed practical tips on how to organize successful pollution prevention service-learning projects. In PDF format here.
Education for Sustainability. From Rio to Johannesburg: Lessons learnt from a decade of commitment
A report on the lessons learnt about the contribution of education to sustainable development over the past decade, since the United Nations Conference on Environment and Development (the 'Earth Summit') held in Rio de Janeiro in 1992. Prepared by UNESCO, the report was published in 2002 and is available in PDF format here.
The Path to Success: Some Pioneering Examples of Environmental Education
Documents some successful examples of environmental education from 15 countries representing the Asia-Pacific region, Africa and South America. Can be downloaded from the IGES Web site in PDF Format (go to Publications & Activity Report) .
Environmental Education for a Sustainable Future: National Action Plan
Published in the year 2000, this document can be viewed in html or downloaded as an Adobe PDF file (about 500KB) from Environment Australia's Web site. The plan is intended to provide leadership to the many different sectors involved in environmental education activities and promote better coordination of these activities.
Interpréter la Biodiversité : Manuel pour les éducateurs de l'environnement dans les tropiques
Publié par le American Museum of Natural History, l'ouvrage s'adresse aux éducateurs et gestionnaires des ressources naturelles. Les cinq chapitres du manuel décrivent les étapes clés de la conception d'un programme d'interprétation et abordent les principes de conception d'une exposition, l'organisation d'un centre d'interprétation, les activités d'information destinées à la communauté et le processus d'évaluation. Le manuel, en anglais, peut être téléchargé sur le site du American Museum of Natural History


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A Nice Tick Up in Inventory Post Labor Day
A: As is usual for post-Labor day action, both the data and my own business is seeing a nice tick up in activity over the past 3-4 weeks. The pending sales trends do not yet show it, but the real time Broker Status Updates are showing the recent action. In the past week, which by the way is not enough time to call a new trend, I see 182 contracts signed. If this pace continues, we should see around 728 contracts signed in last 30 days, up from around 600 the past 30 days; a nice tick up. In my business, I recently lost a bidding war for a well priced $2m+ condo downtown and found out an apartment of great interest uptown for another client just had a deal accepted. Anectdotal, of course, but a change nonetheless from the very quiet past 2-3 months.
When released, the real time Broker Status Updates data table (pictured below) will show you the market as it changes in real time. It captures the day's total listing status changes from all REBNY member firms (that TODAY column will refresh up to 6x a day as status changes are processed) and tallies up trends for the last week and month. It is basically a 30-day moving window of our market as property moves from one listing state to another. Because it covers the whole market, checking this tool once a day will eventually give you a natural pulse on market trends as they unfold - you'll just get used to it and see the market heat up and slow down:
This just means we need to keep our eyes open to see if the pickup in the pace of demand sustains itself. Now it may take a few weeks for weekly and monthly changes to really show itself in a metric like pending sales. The reason lies in the methodology of how we calculate pending sales. The way it usually works is first we see a tick up in inventory trends, followed by a tick up in signed deals. Over the past 4 weeks I see a clear uptick in inventory (look at below chart), but only see a recent tick up in contracts signed over the past week or so (look at above real time data table). The pending sales trend is still hovering at its lows seen in August and will only react to sustained changes in our marketplace. If the Broker Status Update table continues the pace of recent signed deals, I would expect pending sales to tick up nicely from depressed levels over the next few weeks.
Here is a chart showing Manhattan ACTIVE vs PENDING SALES trends for the past 1 Year:
NOTE: By the way, it is very interesting to look at the YEST column in the above Broker Status Update table. On our soon to be released analytics, the YEST column will show you the total change recorded the day before and is in essence the same as the 1-DAY column in the Streeteasy powered widget we have had since 2008. Notice how both systems caught 33 signed deals yesterday and 108 newly activated listings hitting the market! Great to see separate systems capturing very similar data.
Expect YoY Gains in Q3 Report - Missing The Slow Summer
A: Many experts prefer to look at year-over-year sales reports to account for seasonality. Therefore, please recall that it was the Q3-2009 market reports that basically defined the most difficult period Manhattan real estate went through following the failure of Lehman. Due to the lagging nature of quarterly reports, the Q3-2009 report captured the distressed deals signed when fear was highest in early 2009; think of those that signed deals in March-May which closed in the period July-September for inclusion in that Q3-2009 report. Since then, the progressive improvement ultimately topped itself off with a very active 2010 bonus season; so expect this year's Q3 report to show nice YoY average and median sales price gains. I would also expect to see continued Qtr-Qtr improvements as the higher end price points saw great sales volume earlier this year that have since closed. Discussing where the market is now and where we just came from, paints a different story.
Flashback to May, "Showing You Why The Q3 Report Will Reveal Improvement":
The two main reasons why the Q3-2010 report will be one to look forward to is:The chart referenced in that post is below and shows you the Quarterly Average Sales Price Trends from 3 top Manhattan brokerages:
1) Year-over-Year Comparison to Q3-2009 - It was the 3rd quarter report of 2009 that defined the downturn, a few months after the real trough in our market, as public record finally caught the sales that were signed into contract earlier last year. We are now heading into these defining reports, making y-o-y trends easier to beat.
2) Public Record Yet To Catch The Full Improvement - Due to the lagging nature of these reports, as time passes we will see how this market behaved for months that already passed. I can tell you that JAN-MARCH 2010 were very strong as tight inventory and strong demand caused some competition amongst buyers. The result was a sharp decline in days on market trends and listing discount measurements; as seen in the chart in my post, "Misinterpreting 'Bidding War' Statements From Brokers". With time, quarterly reports will gradual catch up with the progressive improvement right as we head into the two y-o-y reports that defined the downturn this market experienced.
*Note: This chart has not been updated to include possible backward revisions done by these firms' reports.
You can see that its the Q3-2009 reports that for the most part, defined the downturn we saw in our markets. So, beating those levels should be easy given the reflation from very distressed levels that was experienced across all price points.
For those that want to know whats going on right now, its best to measure the pace of sales for the past 3-4 months to get a sense of current market conditions. When we look at pending sales trends, we see a steady decline starting around mid-May and seemingly bottoming around end of August. The decline fully retraces the surge we saw earlier this year. So for many brokers out there, it was a very active bonus season followed by a very slow summer in terms of new deals signed! Here is a chart showing the past 9 months of Pending Sales:
PENDING METHODOLOGY --> Includes all listings that go from an ACTIVE state to a CSGN state; excludes all listings that have been in contract for longer than 6 months (avg time to close is about 3-4 months), and excludes all listings that are set to CSGN but have not been updated in the past 90 days by the listing broker.
The reason we designed our methodology the way we did is so that delayed closings, stale and obsolete data do not dilute the sensitivity of the pending sales measurement to capturing any real time market shifts. Don't expect the upcoming reports to show you the most recent few months. Rather, the slowdown in pending sales and closings will probably come out in the Q4-2010 or Q1-2011 reports.
Happy Labor Day 2010!
Christine Toes posting here... My summer was slow, as is traditional for sales. When I first started in real estate, I did mostly rentals, so even though I do mostly sales now, I can go where the business is and survive any market. The best rental deals were in new buildings where the owners wanted to lease up quickly and were offering free rent and paying all or most of the broker's fees. Past customers called me and asked me if I could show them what I had for "no fee," so I took one couple to 200 E 67th Street (AIRE) and the other couple to 350 W 37th Street (Townsend), and they couldn't have been happier to get a month (or two) free rent and not have to pay a broker's fee (the building is paying a one month fee to brokers). What they did get was a brand new apartment with a stainless/granite kitchen, hardwood floors, floor to ceiling windows, and a washer-dryer in the apartment. And they're in a brand new building with lots of amenities. I love making people happy!
Toes says: It's so nice to finally start seeing new rental buildings with washer dryers in the units and finishes and amenities somewhat similar to new condo buildings.
After a slow summer (for sales), I was ready for Labor Day when new inventory comes onto the market and buyers are back from the Hamptons/Jersey Shore/vacation. In the week before and after Labor Day, I was involved in three bidding wars.
Deal #1. Resale in loft condo conversion on Park Ave in 20s. Ask $1.075M, on market since June at that price. My customer offered just below $1M (pesky mansion tax) to beat out two other interested and all-cash buyers who all appeared the 3rd/4th week of August. Even though my customer was not all cash (50% financing), we thought we had the apartment until over Labor Day weekend a 4th buyer offered something in the area of $1.04M all cash. Two days later my buyer decided he didn't want to let the apartment go. We asked what he would have to pay for the seller to kill the other deal, my customer came up to the number the seller wanted, and we received an executed contract yesterday. He had to waive the financing contingency to get the apartment - it is difficult to compete against all-cash buyers. He really loved the apartment, so after consulting his attorney and his mortgage broker, he decided to do it. The building is solid and so are his financials.
Toes says: Around Labor Day weekend, other buyers materialize and suddenly you are competing for properties that have been sitting all summer. Mid/Late August is a great time for deals! Same for late November through December - great time to buy. Sellers want to get out by the end of the year & tons of buyers are on vacation & not actively in the market. Don't wait until the New Year or you'll end up paying more than you could have had the property for in December.
Deal #2 - one of my listings. On market for 5.5 months (the longest I have ever had a listing!). The light, views and private 700 sq ft terrace were stunning. The sellers and I mis-judged how much of a discount buyers would want for the gut renovation the apartment needed. (For the $250K-$300K of renos needed, buyers wanted about a $500K-$600K discount on what the apartment would sell for if it were renovated). The sellers had also been offered $2M for the apartment in 2007 so when I suggested $1.6M, they asked to start at $1.75M. It took 3 price reductions to get to the right range. Once we dropped to $1.45M, buyers started circling, we ended up with a "highest and best" offer situation the week after Labor Day, with three all-cash buyers. The contract was just signed not-too-far from the asking price.
Toes says: I am constantly astounded by how much money New Yorkers have and how many buyers pay cash, especially in a market where interest rates are so low.
Toes says: Buy something that needs a major renovation (but has all of the other ingredients: light, views, maybe outdoor space or something unique about it, location, etc.) and you can often get a huge discount to the market. Once someone spends $250K-$300K renovating this apartment they will automatically add an additional $250K+ to the resale price, as long as the renovation is comparable to new condo construction and not too "taste-specific." And they will have an apartment that they love.
Deal #3 - condo loft comes onto the market on W 13th street/8th Ave. 830 sq ft for $1.1M (and it needs a new kitchen - at a minimum). Elevator building... Sunny... Beamed ceilings... Fireplace... WASHER DRYER in the apartment! Something like this comes on to the market maybe once or twice a year. It is exactly what my buyer has been looking for for 6 months. It is also exactly what a lot of people have been looking for. It comes onto the market on a Thursday, by Sunday they already have an all cash offer at the asking price. The price is already at $1.15M before they even go to the best and final and my buyer decides not to even compete.
Toes says: You can't win them all. If there is something very specific that you want, ie, a condo LOFT in the prime W Village (which is right up there with finding a unicorn), other people will want it also. You have to decide how much it is worth to you. Offer enough so that if you find out that if you lost it for $5K, you aren't crying yourself to sleep at night. If you can say "I'm ok if I lose it at anything over such and such a price" you made the right choice to let it go.
Toes says: If you have a one bedroom loft in an elevator building in the West Village that you want to sell for $995K - $1.15M and it isn't on the market yet, please CALL ME! My buyer is crushed that the apartment went so quickly at over the asking price. He just couldn't wrap his head around it, even after 6 months of looking, and can you blame him? We're in a recession and most media outlets are talking about a double dip. There hasn't even been a single dip in the West Village - at least not in this price range and for this product.
Toes says: anything priced well goes fast. If 30 days go by or 30 buyers have seen the apartment and you have no good offers, as long as the apartment is being marketed properly (internet, email and paper), you are not priced for the current market conditions. Revisit the comps and price your property at the low end of those comps so that your apartment is one of the next to sell. If approximately 5 Upper East Side studios east of 3rd Ave in the 80s sell per month, you need to be one of the top 5 best apartments on the market in order to sell that month. Buyers are savvy. If an apartment looks over priced, they wont even look at it.
Active vs Off-Market Trends Show Seasonality
A: First off, I apologize for the delay with the site launch as a few data integrity issues popped up in the last minute that required immediate attention. All have been resolved since, and now we have to finish the final launch list that was put on hold in the meantime. I especially want to apologize to Jhoanna Robledo and the NY Mag editorial team for this delay - since I did confirm for the article last week that I would be up and running by now. For that, I apologize. All we can do right now is focus on finishing these last items. In meantime, I want to show you an interesting chart comparing ACTIVE vs OFF-MARKET trends.
Looking at the data and how it all fits together, its clear that when the Manhattan markets are strong sellers choose to leave their listings on the market. On the flip side, when markets deteriorate sellers tend to take their listings off the market. No rocket science here. The reasoning is that its the sellers and the seller's broker that gets the most information on how their unique product is being received by the changing open marketplace: they see the interest, they see the bids, and they see the traffic levels.
With this information over time, better decisions about the listing can be made. That is of course assuming there is no desperation to liquidate and raise cash; which will always be a part of this market.
Take a look at a 1YR chart of ACTIVE vs OFF-MARKET Manhattan Trends first; and remember, the innovation in the upcoming system lies in the flow algorithms that govern our entire platform and the methodology that ensures a highly sensitive tracking mechanism. In the new analytics system, there will be only 4 listing states (active, off market, in contract, and sold/closed) as we track the movement of Manhattan inventory from one listing state to another. At no time can any one listing occupy more than one state. No more double counting, no more integrity issues.
Notice the inverse relationship between Active vs Off-Market trends; as it should be during normal times with a marketplace affected by seasonality. As noted in the charts:
1) Late 2009 - Off-Market (green line) trends rise as we head into December holidays/new year, and Active inventory (orange line) trends fall
2) Jan 2010 - Our bonus season begins, as listings come back on market causing off-market trends to fall, and increasing our inventory. After the very active months, seasonality kicks in again around mid-May as this market saw more listings taken off market resulting once again in a gradual decline of our inventory.
3) End of Aug - As we get past Labor Day, we see a sharp bump for both as listings come back on market from off-market inventory - the negative correlation at the very end of the chart.
The reason these are so interesting is how it all fits together. Now that we solved the biggest data integrity issues for the main flaws in the listings data, the movement of this inventory from one state to another paints a clear picture of what this market is doing from a supply vs demand standpoint. It's when the market gets hairy that these trends start to stray from normal patterns, telling us in real time what may be going on - imagine having these tools in late 2008 and early 2009 as the price adjustment ran its course?
Now, look at the same chart starting AUG 1st, 2008 - present. Back then, as Lehman Brothers failed and shook the financial system and the Manhattan marketplace, we saw a 3-4 month positive correlation between off-market trends and active inventory.
Active Inventory AUG 1st, 2008 to Late DEC, 2008 ---> went from around 7,100 to about 8,200; up about 15%
Off Market Inventory AUG 1st, 2008 to Late DEC, 2008 --> went from around 2,800 to about 4,050; up about 45%
Think about it. Many sellers took their listings off the market because of the severe uncertainty and poor market conditions - yet, inventory still rose 15%? It becomes clear that the seller pool, or the size of potential inventory here in our market, grew rapidly. Homeowners that may not have considered selling, all of a sudden had their places on the market. It was a combination of fear + need to liquidate. The market was in the midst of adjusting to a dislocation between macro forces and prior trades. The adjustment period lasted about 6-7 months, when the deterioration of demand bottomed out and started to progressively improve.
This is what leads me to believe that in the worst market conditions, we will see all of the following occur at the same time:
a) Off-Market trends surge
b) Inventory rise
c) Pending Sales collapse
And that is exactly what we saw from Aug 2008 until March/April 2009.
The New Dev Problem: Standardizing The Listing System
A: I encourage all brokers and followers of this market to try to read this post in its entirety; as it touches a very important structural issue in this market. It is somewhat Inside Baseball, so consider yourself warned. At this point in development, I know the broker sharing system inside and out. I know all the flaws, all the tricks, and all the strange things that occur in the listing system. It all has to do with the system structure and the brokers/developers that maintain their listings. In the end, the data is only as good as the broker/developer that maintains it - my only wish is that BROKERS PLEASE UPDATE THE TRUE STATUS YOUR LISTINGS REGULARLY!!!! If old listings were never updated, then guess what, UPDATE THEM NOW top the proper status! This makes measuring market activity accurately quite a cumbersome task. Trust me. The only other people I know that understand how hard this task is are the folks at Realplus, OLR, BrokersNYC, Streeteasy and Propertyshark.com. The last final hurdle I see is to somehow standardize the listing system in order to solve what I will call, The New Dev Problem.
Have you ever wondered what the real Active Inventory is in the Manhattan marketplace? You can't just count every listing preset to Active; why, because think about how many of those have not been recently updated by the listing broker. There needs to be quality control to filter out the stale listings and other poisons that otherwise would affect a good measurement. When you think back to the development boom, a whole new problem arises: LACK OF INVENTORY RECORDS. If you are at all a follower of this market, I am sure this popped into your head at one point or another. How do we accurately measure something if there is no data for it?
Imagine its 2006, right at the start of the euphoric phase of the most recent boom and a new 254-unit development finally got the approval to begin marketing. Naturally, the developer will release a batch of units first, try to sell those out, file a new amendment with the attorney general's office if prices are to be changed on unreleased units, and then release a new batch of inventory at a different price point then the first batch. This 'developer model' for lack of a better phrase, created a sense of urgency in the mindset of consumers as buyers rushed to buy in before the next phase of higher priced units were released. This model also has consequences from a listing system point of view which ripples to a consequence for any system trying to measure the market.
Taking our example, we have a hypothetical 254-unit development all ready to go. So, the developers sales team goes ahead and creates a listing record for 30 or so units representing their first batch; their first offering to the public. The developer decides not to release all units to the public likely because:
a) they dont want to 'flood' the market with new inventory and the consequences of having 254 units competing with each other at the same time...
b) simple confusion..it requires their sales team to be more knowledgeable of all the different floorplans and little things associated with each and every unit right off the bat
c) they want to secure the 'developer model' of creating a sense of urgency for consumers by raising prices on later phases of unit release...
d) the sponsor may decide not to sell all units, and perhaps hold some units or rent out some units depending on product demand, the developer's financial situation/loan terms, or general market conditions...the sponsor has every right to make these kinds of decisions
The important thing is that no one can deny the developer of a large new development the right to keep some units OFF MARKET or withhold some units from ever being for sale in the first place. In reality, I believe the main reason developers withhold units is "explanation C" above as its my opinion the sponsor of the project would prefer to sell all units, make their money and move on. It is when the market does not co-operate that alternative decisions must be made.
Back to the problem. How is anybody supposed to accurately measure the Inventory Side of the Manhattan marketplace when units that in reality are available for sale, have no history records and are being held back for various reasons? The public calls this Shadow Inventory:
Shadow Inventory = New Dev Unreleased UnitsBut there is a solution to this problem and its very simple. All that is required is a listing system that makes it mandatory for a New Project (any kind of new development) to create an initial history record for ALL UNITS included in the first approved offering plan once the first phase of marketing begins. That is, the Schedule A of the offering plan that lists all units in the offering should have a unique record created right off the bat. The sales team for the developer has every right to place how ever many units they want to FUTURE, a status update that is in our listing system, and only release the pre-determined set units to ACTIVE to maintain the exact model they used in prior years. But every unit in the new building now has an initial record, with an initial history that can be measured. The public will see no change at all and will continue to only find released units chosen by the developer and their sales team.
WHY ITS A PROBLEM: In reality, unreleased units were for sale; they just were not released to the public and had no record created that the unit ever even existed. Therefore, what we have is a situation where the sales teams uploaded a batch of signed contracts in one swoop (for ease) well AFTER the actual contract signed date and leaving us with a new unit whose first history record is set to CONTRACT SIGNED. Ask yourself, how can a unit go to contract if it was never a part of ACTIVE inventory? It can't? In reality, this unit was on the market and available for sale. It had to be if a buyer signed a contract for it and ultimately closed on it? The result is that anyone trying to measure both active inventory and pending sales will have a problem as a result of how these new developments handled the maintenance of their inventory:
Problem w/ Active Inventory: It fails to capture the New Dev's shadow inventory that was never released but in reality was there; Active Inventory for 2005-2007 was greatly under-inflated
Problem w/ Pending Sales: Timeliness is sacrificed as sales teams for developers fail to update systems as contracts are signed PLUS you can have a surge in pending sales and see no relationship in Active inventory trends; because there was no active inventory in the first place. This causes a flaw between pending sales and ACRIS public record sales, where pending sales SHOULD lead actual closed sales caught by ACRIS.
This is the reason why you see plenty of new development sales on Streeteasy but see no associated listing for the unit. Clearly there should be one.
The Solution: Design the broker sharing system to make it mandatory for new developments to create a record for ALL units at the time of first marketing based on the Schedule A of listed units in the first offering plan filed with the attorney general's office.
I don't care if a 254-unit takes 220 units and places them in the FUTURE or OFF MKT category right off the bat; listings they can activate at a later time. That is the developer's decision and right. But if they did it this way at least we can measure it as a surge in off market inventory, knowing that when the unreleased units become active, off market trends will reflect the shift. Furthermore, for new devs only, a safety mechanism should be put in place that makes it necessary for sales teams to ACTIVATE an off market listing prior to updating the status to CONTRACT SIGNED. It should be impossible for a unit to go directly from off market to contract signed. Rather, the listing should be updated to ACTIVE and then allowed to be changed to contract signed. This is an easy structural safety mechanism that would reflect reality and solve a very big problem when measuring this markets changing trends without changing a thing for the developers wishing to control unreleased units.
As it is now, we have to pull out all new devs with no prior ACTIVE state from our data so as to not poison all the efforts we made to enhance accuracy for measuring the existing resale marketplace in Manhattan. It won't affect active inventory because units were not released in the first place. For pending sales, it will only affect new dev listings whose status was first set to contract signed, with no prior ACTIVE state declared - data we deem as inaccurate and big time lagging. I checked thousands of these listing records with the 'image' documents recorded in ACRIS to find out that in reality these contracts were signed some 12-24 months earlier; the poison that screwed up the charts. So, we willfully but reluctantly removed the poison.
In the end, pulling these flawed listings out will make the data significantly more accurate. Not perfect, but a more accurate measurement of the markets. That's what its all about, measuring this fast moving markets inventory as listings go from one state to another. The good news is that for the most part these listings have closed and if re-marketed, will be a part of existing resale inventory which our platform measures quite well. Its a future new dev boom that will not be captured if nothing is done ahead of time; although the likelihood of new boom in the coming years are low.
If you read this far, props to you and hopefully you understand a bit more about how difficult this Manhattan market is to accurately measure - this is just one issue. I truly believe change will prove helpful for everyone that follows this marketplace; brokers, firm execs, and the consumers they service! Even the developers will benefit. Transparency is GOOD!
NY Mag: "Be A Quant"
A: Wanted to give props to Jhoanna Robledo for writing a very nice piece about a our new tracking platform as the new UrbanDigs approaches launch. Very exciting times indeed so please check back soon for what we believe will be an entirely new way to measure the Manhattan real estate marketplace!
NY Mag discusses how you can soon, "Be A Quant; A new website lets you mine real-estate data in real time. We ran its first test drive":
How's the market doing?" is a question that is harder to answer than it seems. A broker with unattended open houses may be bearish; a seller fielding offers the same day is brimming with optimism. Limited viewpoints, small sample sizes, old saws, and dated information often lead to misconceptions.Stay tuned...!!
Noah Rosenblatt—the broker behind the popular UrbanDigs blog—is looking to change that. At its relaunch, scheduled for this week, UrbanDigs.com will be devoted to data analysis, allowing users, for $20 per month, to track market shifts by neighborhood and price in real time, create trend charts, and chat about what they're seeing. You can (to give a simple example) keep a daily watch on the inventory of listings in your area, and compare the trend with previous years or other parts of the city. If you spot a sharp change, you can adjust your price or schedule an open house immediately. You can break down data in dozens of other ways, too. Instead of waiting for quarterly reports from the brokerages, you can generate up-to-the-minute ones.
It's definitely for the hard-core numbers geek, and its data-heavy approach may intimidate the casual shopper. If, however, you are the sort of person who builds spreadsheets to track your retirement portfolio, you are likely to fall for this site, especially if you use it along with a more listings-driven service like StreetEasy.com. It gives any buyer the tools to become a real-estate quant.
How To Look At The Manhattan Real Estate Markets
A: If anything, I am expecting a nice tick-UP in activity from last month's lull. Specifically, I would expect to see activity in inventory trends first followed by a tick-up in the pace of signed contracts. Ok, no rocket science here and sounds fairly logical to think this way. The most recent broker activity suggests this is beginning with over 240 new listings hitting the market in the last 2 days alone. These are all typical shifts in activity for this time of year, but still, something about this summer made it feel especially slow. So how should we look at this market now?
Was it the record heat? Was it the sharpness of the slowdown considering how crazy it was in March and April? Or maybe it was the 10% correction in equity markets (the Euro sovereign debt concerns) that happen to come right as our mini-frenzy was peaking? You see, when the market gets into a mini-euphoria like it did earlier this year, it doesn't take much to change buyer sentiment completely.
Since we saw a steep tick down in activity across all metrics (inventory trends down, off market trends down, and pending sales trends down), it's difficult to say that the disappearance of buyers = a new price adjustment occurring. Rather, to me, its seasonality taken to the extreme and I'll explain why in a moment. However, should this pace of activity last for 2-3 more months, then we got something to talk about.
Those who really want to gain a grasp on the pulse of this fast changing seasonal market, should use caution in how you interpret one single metric on its own. Sure its informative and empowering to analyze one thing like inventory or pending sales trends, but to get a better grasp of the market you should take into account these three elements: inventory trends, pending sales trends, and off market trends.
WEAKEST MARKET --> will see inventory trends surge, off market trends surge, and pending sales tank
WEAKENING MARKET --> will see inventory trends flat or rising, off market trends flat or rising, and pending sales falling
STRENGTHENING MARKET --> will see inventory trends flat or falling, off market trends falling, and pending sales rising
STRONGEST MARKET --> will see inventory trends falling, off market trends falling, and pending sales surging
Read those over a bit and think about it for a while and it starts to make sense. Sellers take their listing off the market when markets are weak and they don't think they can get their price (leaving those that MUST sell to list property). As this occurs, inventory trends are pressured to the downside or muted on the upside due to the rising trend of removing listings from the active marketplace. When markets really shit the bed (think Lehman), sellers will flock to take their property off the market. So, if inventory trends rise during this period of time it is telling us that the entire seller pool (or those in Manhattan that are choosing now to sell their home), is expanding big time! People want OUT! Think about that.
Putting ourselves back in time & place to when Lehman brothers failed in late 2008, we saw three things occur all at the same time:
1) Surging Active Inventory Trends
2) Surging Off-Market Trends, and
3) Pending Sales Tanking
...which when combined together resulted in a adjustment in price action until early 2009, when prices fell low enough and buyer confidence returned where they were willing to take on the risk of doing deals at those levels. In short, property prices started to properly reflect the risks at that time. In hindsight, those that signed deals in early 2009 made out quite well!
This is what is going to make the interpretation of our new analytics platform so exciting. People may look at the same charts, yet come to entirely different opinions. Looking at recent trends, everything saw a slowdown. This is why I want to wait a month or two more to see confirmation that this summer was in fact, overly seasonal, before making any statements on price action.
Krugman's Keynesian Flashback: August 2002
A: Sometimes I just have to read Zero Hedge, if for nothing more than the depths they dig to write interesting stories. Here is a great one. Flashback 8 years and what you get is Paul Krugman's Keynesian opinions on how Greenspan and the fed needed to create a 'housing bubble' in order to save the economy from a double dip recession following the stock market crash. When listening to Krugman's advice to stimulate more today, maybe we should think about how the 'create a housing bubble' advice turned out for our economy first!
Via NY Times from Aug 2nd, 2002 (hat tip Zero hedge): "Dubya's Double Dip":
Consumers kept spending as the Internet bubble collapsed; they kept spending despite terrorist attacks. Taking advantage of low interest rates, they refinanced their houses and took the proceeds to the shopping malls. But predictions of an imminent recovery in business investment keep turning out to be premature.It seems Krugman was questioning if the fed could even pull off the creation of a housing bubble, but at the same time calling that circumstance optimal. No where is there discussion of the negative side effects of a housing or credit bubble, or what a bust might look like. Keynesian thinking at its greatest. Take a look around, and ask yourself how the housing bubble benefited Americans. How did it benefit our deficits as they stand today, compared to how they were in 2002? Absolute insanity. When will people learn that free-lunch Keynesian theories act mostly to create the illusions of recovery, and the party always ends with consequences that were unintended. A housing bubble sounds nice and all until you think about the ultimate bust, the taxpayer bailouts, the soaring deficits, the hit to employment, the forces of credit contraction, moral hazard of bailouts, tough regulation to prevent the episode from happening again, and the pain that existing leveraged bets takes on consumer and corporate balance sheets. And we saw all those consequences and more.
The basic point is that the recession of 2001 wasn't a typical postwar slump, brought on when an inflation-fighting Fed raises interest rates and easily ended by a snapback in housing and consumer spending when the Fed brings rates back down again. This was a prewar-style recession, a morning after brought on by irrational exuberance. To fight this recession the Fed needs more than a snapback; it needs soaring household spending to offset moribund business investment. And to do that, as Paul McCulley of Pimco put it, Alan Greenspan needs to create a housing bubble to replace the Nasdaq bubble.
The administration needs a recovery because, with deficits exploding, the only way it can justify that tax cut is by pretending that it was just what the economy needed.
So what now? Why, they want more stimulus! To these guys, it will never be enough and it will never be time to get on the road to fiscal sanity. I think its time we all grow up and learn to live with the mistakes that were already proven. If you cant learn from your proven mistakes, you are doomed for more future failures. We cant fix a debt problem by taking on more debt. Even a 5th grader can figure that one out! How oh how did we get to this point!!
The August Lull
A: The month of August seemed to top off the record hot NYC summer in dullness; yep, it was that hot this summer. Combine a hotter than normal Feb-April with a slower than normal record hot summer in Manhattan and you get a real crazy market seeing heightened seasonality. Reports of a 'summer uptick' are simply anecdotal reports of pockets of action. Lets look at the full market and see for ourselves.
What people need to understand is that deals are being signed at all times, by all sorts of brokers out there. You have a new broker get a few deals, and to him/her, the market is active. You get a top producing team experiencing a slow summer, and to them you see a slow market. Its all very personal and related to any one agent's lead pool - sometimes I work months to build up enough leads to pull of 3-4 deals in one month. The market is bigger than all of us and should be measured as a whole, not individually, taking into account ALL broker updates from one listing state to another. It is this movement of inventory from one state to another that is so empowering in getting that pulse on the market.
Here is an update to two of the dozens of new charts that will be launched very soon. Please keep in mind the absolute numbers will change upon launch of site and full system regen is performed, but trend will be the same.
A steep tick down for both. A measure of Active to Pending Sales would tell us that the decline in inventory is muting the decline in signed deals - so I need to wait another 4-6 weeks after Labor Day to see if we get more action. If this pace continues another month or two, I'll start to worry about sellers out there that need to hit lower bids to move property. For now, due to seasonality, it's too soon to make the call.

subset: commoncrawl


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By now we've all heard about the article that appeared in the New York Times discussing the decline in picture book sales. The article claimed that parents are encouraging their children to read chapter books at earlier ages, and discouraging picture book use - partly the product of a desire to help their child succeed in reading and in school. What parents may not be aware of, however, is the myriad ways in which reading picture books (and graphic novels and magazines) can also help a child improve or develop his or her reading and language skills - in addition to being a fun activity to share.
The Children's Book Review shares 10 reasons why parents and children should continue to share picture books - and why children should be allowed to read anything and everything.


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Now, there's another use for Botox that has nothing to do with looking younger.
Some doctors are using it to get rid of back pain. Botox helps ease wrinkles by paralyzing muscles when injected in the face. But because the muscles in the back are much thicker, the drug has has a different effect.
"By bringing the activation of these muscles down to a more normal level, actually patients tend to have an increased range of motion as opposed to a decrease range of motion," said Dr. Kevin Cannard, Neurologist.
"My range of activity has gone back to what it was before. I had serious back problems and for me that's great," said Paul Cascio, a Botox patient for back pain.
Paul Cascio says he tried everything and nothing worked until Botox. Now, he goes to Walter Reed for injections into his back every three months at Walter Reed Army Medical Center in Northwest Washington.
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Reader Comments (Page 1 of 1)
Sir Broose said...
I am working on talking a good friend of mine into trying WoW. I know he would love it. He knows he would love it (which is, actually, part of the problem - he's afraid of being tempted to play too much, which I totally understand) but he just hasn't tried it yet, partly because of the cost, and partly because of the parenthetical statement above.
But, because I think he might be close (and I'm considering paying for his games and his first few months [I guess I'm a clever crack dealer, now]) I have been actually thinking about this a lot lately, and have actually made an outline of sorts of how I would slowly and methodically introduce him to the game. I want him to level up slowly, the way I did the first time, and really learn how vast and rich this experience can be.
So this article is really perfect for me. Good timing, thanks.
**BTW: Another way to gain XP is by leveling a profession. Perhaps you left that out on purpose as being a more advanced aspect, but just thought I'd mention it.
Sir Broose said...
I guess I should have said "gathering professions" but you get the idea.


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Two combinations, spring break and 90 degree weather have for years meant young people would head outside on towels to soak up the sun. But with the concern about skin cancer, many opt instead to get their tan indoors, in a tanning booth.
Tanning beds emit a heavy dose of u-v light, roughly 10 to15 times the amount you would get sitting outside at noon. That sun splurge significantly increases the risk for skin cancer, and that risk goes up the earlier you start. Yet young adults are not prohibited from tanning in many parts of the country. Now experts are calling on states and the Food and Drug Administration to beef up tanning bed restrictions, before teenage melanoma cases skyrocket.
"Exposure of any type of any tanning bed elicited at 75% increased risk for melanoma," said Lynn Anne Cornelius, M.D. at Washington University School of Medicine in St. Louis
"The risks are higher the earlier you start tanning, yet in many states there are no age limits for tanning bed use," said Sophie Balk, M.D., and attending pediatrician at the Children's Hospital at Montefiore.
"Seventeen states in this country have absolutely no legislation to protect minors."
In California and Vermont, the minimum age to tan is 18. In Missouri, no age restrictions are in place.
In 2007, researchers there surveyed local tanning salons about their rules on youth tanning.
"Two thirds of the um facilities would allow a 10-12 year old individual to tan, some of these said a parent didn't need to be consented or present," said Cornelius.
The American sun tanning association responded to the Missouri study in a statement saying it's in favor of new measures like strong parental consent laws. But researchers say that even if a parent signs off on tanning, the risk for skin cancer remains.
"We'd like all states to pass legislation prohibiting minors under 18 from tanning in salons," said Balk.
States are getting on board; more than 30 have some sort of tanning bed restriction in place for teens. Several other states, like Missouri, have legislation in the works.
The F-D-A requires tanning salons to have certain controls on the time spent in a bed, and the dose of U-V exposure.
Right now tanning beds are classified as class one medical devices, the same as tongue depressors and elastic bandages.
An F-D-A advisory panel recommended changes be made to that classification, something the agency is currently considering.
Copyright 2013 KCBD. All rights reserved.
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Theme Chooser Ghost
500 - 1,000 downloadsAdd this app to your lists
+ By nmiltner
Basically it is an inversion of Black to white on your phone. It is very crisp and clean, and has been a labor of love. NOW with a completely new, crisp and clean interface.
I would like to thank Bgill55 for the origins of this theme.
Also major thanks to C_hale22, for helping me work out kinks.
And more thanks to the awesome ROM devs that make this possible.
It is compatible with ICS and Jellybean roms, but I will only officially support CM10, BAMF, and AOKP. If you have feature/app requests please feel free to email me, or contact me on Twitter (@nmiltner).
UNINSTALL ANY PREVIEW BUILDS or EARLY RELEASES!
Apply in theme chooser
Enjoy and Rate
I hope you enjoy this as much as I do.
Tags: red escape theme chooser, theme chooser ghost, theme ghost cm10, free aokp dark elegance theme, themer chooser ghost.
Almost the entire theme has been remade, as well as I have added additional status bar notification images. A little white on white exists in third party apps, but I am working hard on fixing that as I am notified of the issues
(67 stars)
Would give it 5 stars though if system notifications didn't come up in white too,
(67 stars)
Status bar needs to be more gray than white so that all notification icons can be seen or notification icons need to be changed get color. Nav bar is left unthemed for me. Running CM. Anyway to fix this? Selecting filters in Titanium Backup is imposs
(67 stars)
Thanks for all the hard work Nick..fyi I live you
(67 stars)
Only issue I have is the contacts name and the background are both white when you add a contact widget. Otherwise I love it.
(67 stars)
But it's not 5 stars due to some of the buttons on the Google keyboard being wrong. That's really all I can see wrong with this theme
(67 stars)
But it's not 5 stars due to some of the buttons on the Google keyboard being wrong. That's really all I can see wrong with this theme
(67 stars)
Love the update!


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We would have to pay out of pocket per month somewhere around $700 to $1,000 for health insurance. I would probably work some kind of part-time job. My wife will probably work another four to five years. Can I retire?
- Planning for the future isn't just about money
- Buy and hold isn't necessarily tried and true
- Cash in hand makes market dips more bearable
- Withdrawal strategy key to retirement plan
- The savings game
- The Leckey file
- Getting started
- Spending smart
- Taking stock
- Institutional investors use diversification to their benefit
- The week ahead
- Retirement
- Compensation and Benefits
- Chicago
See more topics »
Factoring your situation into a computer model developed by Laurence Kotlikoff, a Boston University economics professor, appears to give you the green light for fully retiring now and your wife in four years, even if you both make it to age 100.
"It behooves them to be very careful [with this decision], because that's a long way to go," referring to your age today and life expectancy, said Kotlikoff, who is also president of Economic Security Planning Inc. The company sells the downloadable planning tool for $149, or $164 in CD format (www.esplanner.com).
Kotlikoff believes most planning tools available today encourage overly conservative savings and withdrawal strategies, playing on investors' fears about running out of money. Another drawback, he said, is that most tools don't accommodate big chunks of savings in some years and very little during others.
You indicated your annual living expenses today are about $40,000, including your estimate of future health insurance costs once you give up the job.
But plugging estimates of your future Social Security benefits, investment gains, federal and state taxes (the reader lives in Baltimore) and other factors into the program, Kotlikoff estimates you'll be able to spend $63,259 annually if you retire now, or $66,061 annually if you retire in five years, with inflation adjustments over time. In both situations, he assumed your wife worked another four years. If you purchase an inflation-indexed annuity at age 65 with the $750,000 in your retirement accounts, you'd be able to spend somewhere in the middle of those two figures, beginning now, Kotlikoff said.
These estimates include your Social Security income but do not factor in a lengthy nursing home stay, he said, so you might investigate purchasing long-term-care insurance. It should be affordable given the gap between this allowable spending rate and your estimated expenses.
Why does he focus on a dollar amount, rather than limiting spending to a particular percentage of your preretirement income, which is common in the free online retirement-planning tools?
For many people, the prime earning years include significant spending on a whole family, as opposed to during retirement, when it is typically just a couple. That makes it difficult to really assess what a retiree will need, he said.
So how does all this compare with other retirement spending models?
It's difficult to line them up exactly because of their different assumptions and inputs. Many free online calculators, for example, don't let you select different retirement start dates for each spouse.
Fidelity's MyPlan calculator (www.fidelity.com/myplan) agrees that you have more than enough assets to retire but assumes you are spending significantly less than Kotlikoff's model, at $58,650 before taxes.
The T. Rowe Price calculator (www3.troweprice.com/ric/RIC/) tells you to withdraw no more than $42,120 per year from your portfolio to make it last to age 100, and taxes still would have to come out of that. But this doesn't include your eventual income from Social Security payments.
Kotlikoff's model uses a lot more data points, which he said allows it to require a much smaller portfolio at the start of retirement. That may keep you from oversaving for retirement, but just remember that it provides a much smaller cushion against overspending once you're there.
Have a retirement question? Write to firstname.lastname@example.com, or via mail at Your Money, Chicago Tribune, Room 400, 435 N. Michigan Ave., Chicago, IL 60611. If your letter is selected, we may include you and your question in a future column.


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High Sierra Summit 45 Backpack
Take full advantage of the great outdoors with this High Sierra Summit 45 Backpack. This backpack features a single, contoured aluminum frame bar, that you can adjust in order to fit the shape of your back and padded backpack straps, making it more comfortable and easy to carry. It comes with a main compartment that has a 45 L capacity, giving you lots of room for your things. Its adjustable top lid and gusseted drawstring closure lets you keep it safely closed. This pack has a compartment that is specifically designed for your sleeping bag. The molded foam back panel has airflow channels, that make it very breathable and keep your back cool and dry. An internal hydration reservoir sleeve with dual exit ports for the tube, keeps you from being thirsty. Have an excellent adventure with this High Sierra Summit 45 Backpack.


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Tag: kindle cloud reader
Kindle Cloud Reader quick look
For many Mac and iPad users, Amazon's Kindle Reader app (free) was the way to browse, purchase, and read electronic books. Then Apple had a change of heart about in-app purchases, basically demanding the standard App Store 30% take for any ebooks bought from within the Kindle Reader app. Amazon...
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For more informationclick here to see trailer.
A-List Director Joe Carnahan will be presented with the Mendez Award Opening Night.IMDB.com
Seven Deadly Words is a family friendly feature. Friday night at 7:30pm.Watch Trailer Here
Closing night feature is a feature length coming of age story about high school love, punk rock, and hemorrhoids. You won't want to miss it!Watch Trailer Here
We will be announcing the winners for Best Short, Best Animation, Best Student, Best Documentary, and Best Feature afterward!
After parties will be held @ Bulls and Bears May 1, 28 South May 2, Broad Ax Closing Night
Maryland International Film Festival
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Hagerstown, MD 21740
tel 916-712-2781Email Us


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As always the first round of the playoffs provides plenty of great hockey. Upsets, comebacks, late goals, great goals and great saves. The opening round had it all.
As for the Jets there was plenty of attention paid to the Ontario Hockey League final, where Mark Scheifele was having a great championship series as Barrie and London battled.
Scheifele missed game seven due to injury, as London scored the winning goal with one second left to advance to the Memorial Cup. London will join Portland, Halifax and host Saskatoon.
Interesting father/son note – Saskatoon last hosted the Memorial Cup in 1989 with Tie Domi competing with Peterborough, here in 2013 Max Domi will compete with London.
NHL scouts will love this tournament with the top three picks all in the event, those being Seth Jones, Nathan MacKinnon and Jonathan Drouin. Plus a number of other top picks set to strut their stuff.
Back to Scheifele, despite missing the last game he walked away with the OHL playoff scoring title going 15-26-41 in 21 games, to finish nine points ahead of Domi. Scheifele had back-to-back five point games in the final series, including a four goal game.
Another Jets prospect will compete for CHL player of the year honours. Big Adam Lowry went 45-43-88 in 72 games with Swift Current and was named the WHL player of the year. And after signing with the Jets but not getting into any games, Jacob Trouba joined Team USA at the World Hockey Championships.
All NHL teams, including the Jets, are now busy preparing their final lists in preparation for the NHL Draft, a one day event this year, set for June 30. (All day draft coverage on TSN and TSN 1290). Also on the "to do" list is to re-sign players like Zach Bogosian, Blake Wheeler and Bryan Little.
During his post-season news conference, general manager Kevin Cheveldayoff talked about injuries to a number of players as the Jets battled for a playoff spot.
There was some concern that Evander Kane and Mark Stuart may require surgery, but it now appears rehab and some rest is all that is needed.
Cheveldayoff talked about how everything was magnified due to a shortened season and all games in conference. Plus the importance of EVERY game, starting with game one, as the roller coaster season had the Jets jumping from winning the division to drafting near the top.
Cheveldayoff also talked about perhaps having to create space on the roster for some of the young players. With good training camps Trouba and Scheifele will get serious looks. If they deserve to play at the top level, they will, and the opportunity is there.
Another huge question is what changes will the Jets have to make in style of play with the switch to the Western Conference.
"We knew it was eventually going to happen – us moving", added Cheveldayoff, "We got bigger in preparation of the move."
So how much will that play into how the Jets draft, which players they want to re-sign and which players will they look at via trade and unrestricted free agency.
So as you play arm chair general manager, keep that in mind. As you watch playoffs it is obvious the Western Conference is tighter checking, not as wide open and more physical.
For fans, the move is exciting. A number of teams have yet to experience MTS Centre. Unlike the upcoming schedule where all teams will play a home-and-home series, that was not the case two years ago, and of course this past season saw no East-West play at all. Fans have not seen the Chicago Blackhawks, Detroit Red Wings, Vancouver Canucks, Calgary Flames, Nashville Predators and Columbus Blue Jackets (The Blue Jackets did play a split squad pre-season game in Winnipeg).
The 2013-14 schedule should be out around the middle of July, in the meantime enjoy the playoffs.
TSN's Bob McKenzie sets up the start of training camp, going one-on-one with the GMs from all seven Canadian teams.
WATCH: Bryan Murray - Ottawa Senators
WATCH: Dave Nonis - Toronto Maple Leafs
WATCH: Kevin Cheveldayoff - Winnipeg Jets
WATCH: Marc Bergevin - Montreal Canadiens
WATCH: Brad Treliving - Calgary Flames
WATCH: Craig MacTavish - Edmonton Oilers
WATCH: Jim Benning - Vancouver Canucks
TSN.ca previews what to expect out of the NHL's 30 teams as we count down to puck drop. Check daily for team previews and updates on each Canadian franchise leading up to Oct. 8.
Latest Preview: Chicago Blackhawks


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This was very easy to make and delicious. It took about 15 minutes to make.
Peach-Glazed Chicken
More From Oxmoor House
Recipe Time
14 Minutes
Nutritional Information
Amount per serving
- Calories: 238
- Calories from fat: 10%
- Fat: 2.7g
- Saturated fat: 0.6g
- Monounsaturated fat: 0.0g
- Polyunsaturated fat: 0.0g
- Protein: 26.3g
- Carbohydrate: 26.4g
- Fiber: 0.1g
- Cholesterol: 66mg
- Iron: 0.0mg
- Sodium: 95mg
- Calcium: 0.0mg
- Cooking spray
- 1 teaspoon vegetable oil
- 1 pound chicken breast tenders
- 1/2 cup peach preserves
- 2 tablespoons balsamic vinegar
- 1 green onion, chopped
- 1/4 teaspoon pepper
- Coat a large nonstick skillet with cooking spray; add oil, and place over medium-high heat until hot. Add chicken, and saute 5 minutes on each side or until done. Remove chicken; set aside, and keep warm.
- Reduce heat to low; add preserves and remaining 3 ingredients. Cook, stirring constantly, until preserves melt and onion is tender. Spoon preserves mixture over chicken.
My Notes
Only you will be able to view, print, and edit this note.Add Note
Peach-Glazed Chicken Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Quick/Easy
- DIETARY CONSIDERATION: Gluten-Free
- PUBLICATION: Oxmoor House
More Recipes Like This
Peach-Glazed Barbecue Pork Chops and PeachesCooking Light
Manhattan-Glazed ChickenCooking Light
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Eleven months before the next city election in November of 2011, Mayor John L. Schultz of Decatur has made it official: he will seek a second four-year term.
Schultz, 61, a Democrat, was first elected in 2007 after having served 16 years (four terms) on the city council.
He also was the president for many years of Baker and Schultz Inc., a longtime family-owned construction business here.
"Stop" always trumps "yield" at rural railroad crossings.
That's what Adams County Engineer Tim Barkey told the Adams County commissioners on Monday as he revealed that the CSX rail company recently erected "yield" signs by the county's "stop" signs at four crossings north of Decatur.
Jimmy Kipp Blake, 23, of rural Decatur, passed away as the result of a single-car accident in Adams County on Saturday, December 4, 2010.
He was born on August 30, 1987, in Allen County to Cary J. and Amy E. (Geiger) Blake.
Rev. Elbert A. Smith Jr., 87, passed away on Sunday, December 5, 2010, at Kingston Care Center in Fort Wayne.
Born in Riverhead, New York, Elbert was a pastor with First Presbyterian Church in Fort Wayne for 13 years and retired in 1997. He was also a teacher at Bellmont High School for 17 years.
He was an alumnus of Centre College in Danville, Kentucky, and of Louisville Presbyterian Seminary, where he received his master's degree.
Charles D.A. "Chuck" Kruger, 68, of Decatur, passed away at 5:17 p.m. on Saturday, December 4, 2010, in Adams Memorial Hospital.
He was born on April 1, 1942, to Clarence and Opal (Summers) Kruger in Fort Wayne. They are deceased.
He married Judi Myers on March 1, 1984.
Dorothy J. Pollock, 77, of Decatur, passed away on Sunday, December 5, 2010, at Adams Memorial Hospital.
Dorothy was born on August 1, 1933, to Logan R. and Pearl A. (Strohl) Baer in Van Wert, Ohio.
On June 12, 1954, she married James G. Pollock.
"There are two types of people: people who see the outer shell and people who see you."
Those are the words of Matt Hirschy, 29, of Monroe, who says both types have helped motivate him on his journey to lose 330 pounds of excess body weight — without surgery.
As a Walmart Vision Center employee in Decatur, Hirschy sees, and is seen by, many people every day.
NEW CASTLE — Despite a tough one-point loss to host New Castle, No. 11 Bellmont walked away with the tourney hardware Saturday, winning the eight-team New Castle Invitational with a little help from New Palestine.
"We were disappointed with the loss to New Castle, but they had several guys ranked and those kids performed really well," lauded Bellmont coach Brent Faurote on the 38-37 loss to the Trojans.
MONROE—History was made at Adams Central on Saturday night at 5:40 of the third quarter as the Flying Jets played Parkway's Panthers.
Junior Kyle Fawcett inbounded a lob to fellow 11th grader Maverick Baumer, who produced a dramatic throwdown for the first inbounds dunk since the school began basketball in the late 1940s.
The slam brought much of the home crowd to its feet and, while not decisive in the Jets' eventual 63-55 victory, showed that a different day has dawned for the sport at AC.


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By JILL MCNEAL6 News Anchor/Reporter
KNOXVILLE (WATE) - The local high school football community is coming together in support of an injured player. Roane County sophomore Seth Haynes broke his neck during a game back on October 18. Saturday, four local teams will be playing to raise money for his family.
Seth still has to wear a neck brace, but he's now allowed to eat soft food. He misses playing football and is excited for the double header in his honor.
The Hardin Valley Hawks' season is over, but they were back out practicing Friday afternoon for the charity football game.
"We were fortunate to make it through the season with no catastrophic injuries, and we felt like this was an opportunity to give back to this family in a time of need, and we're excited about doing it," said Hardin Valley coach Wes Jones.
Players didn't have to take part in this game, but Jones says most of them chose to.
"Obviously we're playing for a great cause, so that's what we've been looking forward to all week," said senior player Joseph Underwood.
The two games, part of the CAREacter Star Athlete Program, will be played at Grace Christian Academy.
"The students of Grace are going to volunteer their service to do everything from working the concession stand to cleaning the bathrooms. It's a great way for them to show their support for another student they've never met before," said Grace teacher Joel Sampsel.
Seth and his mother say the outpouring of community support has been overwhelming.
"It's felt good. It's helped me get through it, knowing people care about me," Seth said.
"This reassures you there are good people in the world. It makes you feel good," said his mother, Tammie Haynes.
Tammie thinks insurance will pay for most, if not all of the medical bills. She says the money raised this weekend will be put into an account for whatever he needs in the future.
Seth hopes to return to school the first of December, though he will not be allowed to play football again.
The games are being held Saturday at Grace Christian Academy. Game one kicks off at 1 p.m. between West Greene and Bearden. Game two starts at 5 p.m. between William Blount and Hardin Valley. Tickets are $5 each and a short ceremony for Seth will take place on the field between games.
1306 N. Broadway NE Knoxville, Tennessee 37917
Telephone: 865.637.NEWS(6397)
Fax: 865.525.4091
Email: email@example.com


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Two artists, both inspired by 13th century Japanese poet Kamo no Chōmei.
Update: Feb. 16, 11:30 am: Quotes by Yuka Otani added.*
Japanese artist aricoco's shelter/installation RUNawayHOME, which came down on Feb. 12 at Real Art Ways, was inspired by 13th century Japanese poet Kamo no Chōmei's (Chomei Kamono) essay Hōjōki, an account of his retreat to a remote ten-foot-square hut and his reflections on various natural disasters and tumult he had witnessed.
But just as aricoco's work comes down, Japanese artist Yuka Otani's went on view at Camel Art Space in Williamsburg, Brooklyn. From Camel's website: The installation was "inspired by "Hojoki," an essay by Chomei Kamono: a Japanese 13th century poet who expresses the sense of mujokan (impermanence) during medieval age of wars and disasters."
Though both artists (who are Brooklyn/NYC-based) address the themes in Kamo no Chōmei's work differently - for aricoco, the safety and solitude one may pine for in times of crisis, and Otani, the ephemerality of life through "simultaneously emphasizing both presence and absence," she writes - the coincidence indicates a new genre of works influenced by the March 2011 Tōhoku earthquake and tsunami and the nuclear disaster it precipitated.
"After encountering the horrifying earthquake and tsunami last March, I think Hojoki is such an appropriate and timely thing to revisit…. with a feeling of awe," Otani wrote in an email. "Though Hojoki was written almost 1000 years ago, it still feels so vivid to me."*
Read a translation of Hojoki suggested by Otani.
Yuka Otani's work is on display through March 11 at Camel Art Space: Weekends only: 1 – 6 pm or by appointment. 722 Metropolitan Ave. 2nd Fl., Brooklyn NY 11237


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These are nice lightweight bindings that are super adjustable. Straps cold use a little more padding and the heel cup is super narrow. Be careful if using boots other than Burton's as the heels may be too wide to fit into the heel cup.
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Dec. 1, 2008
Video Links
St. John's head softball coach Amy Kvilhaug has announced that Katie Mason and Dominique Marcelino have signed National Letters of Intent to play for the Red Storm beginning in the 2009-10 academic year.
"Our staff is very pleased with the acquisitions of Katie and Dominique," said Kvilhaug. "One of our recruiting objectives was to ensure that the top athletes in the Northeast to remain here and assist us with the goals we have set for the program. Both student-athletes are going to be a presence in the lineup, adding significant depth to our team. I've watched both play for close to two years and I am eager to have them positively impact our program beginning next season."
Dominique Marcelino - C/1B
Marcelino, a 5-9 catcher out of Madison, Conn, is a career .430 hitter who has garnered numerous accolades during her high school career. Under high school coach Ray Ezell, Marcelino has earned rookie of the year and six tournament MVP awards in just three years. As a freshman she led her varsity squad in RBI and was named MVP of the Montreal International Fastpitch USA vs. Canada game.
"Dominique is going to be a great asset for us," said Kvilhaug. "She was highly recruited across the country and we feel fortunate that she chose to come to St. John's and build a winning tradition. Defensively she is very versatile. We expect her to step in and make an impact for us as a catcher and she also has the ability to play several infield positions if needed. Dominique is capable of putting up some nice power numbers as well."
Katie Mason - OF
"Katie is a player with a tremendous skill set that has the ability to hit for average, hit for power and has very good speed," said Kvilhaug. "She possesses game-sense that is difficult to teach but critical in obtaining success at a high level. Defensively, she has one of the strongest arms in the country. Katie comes from a strong softball community and her competiveness and skill level are sure to assist us greatly."
The Red Storm begins its 2009 season at the FIU Tournament in Miami, Fla. on Feb. 13-15. St. John's will face off against FIU, Temple, Florida Gulf Coast, Michigan State and Georgetown.
If you would like to receive the most up-to-date information on the 2008-09 St. John's softball team, please send your e-mail address to email@example.com.


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We are in the process of upgrading the school's
networks and infrastructure, with some exciting
development projects planned such as VLE, MIS
and print management. The successful person
must ensure the day-to-day ICT requirements and
support are managed effectively and be able to drive
forward future projects.
Effective communication is essential as is the ability to
manage a small team, third party support providers
and to liaise with staff and pupils.
You must be fully conversant with future technology
and understand how technology links together in a
school environment.
An application form and further details are available
on the school's website: Canford independent co-educational boarding and day school or
by contacting the Bursar's office on 01202 847590
or email: firstname.lastname@example.com
Closing date: Friday 4th November 2011.
HMC Co-educational Boarding and Day
circa £35k per annum.


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Midwest Industries Rail Mount Sling Adapter with Quick Detach Sling Swivel AR-15 Aluminum Matte
Product #: 872132 MI #: MCTAR-08 UPC #: 816537010081
Product Information
Aluminum adapters offer various attachment options for slings, allowing custom sling set-ups for any task.
Technical Information
Material:6061 Aluminum
Quick-detachable sling swivel
Technical Information
Material:6061 Aluminum
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Product ships from MidwayUSA, separate from any other products on your order due to its size. Products that are Shipped Alone incur separate "Per Order" and "Per Pound" shipping charges.
Product is regulated by the US Department of Transportation (DOT) and cannot be shipped via USPS or air shipping methods. DOT-Regulated products must ship UPS Ground.
Product is restricted by shipping carriers and cannot be shipped to certain locations or via certain shipping methods.
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Stay warm this winter with this portable LifeSmart infrared heater. It's compact, portable, energy-efficient and will heat from floor to ceiling, up to 800 sq ft. Its sleek, new vertical vent promotes a broader range of airflow, and it uses a lifetime washable filter, to save you money.
This LifeSmart infrared heater also features a direct-flow heat chamber that creates more forced infrared heated air than standard heater chambers. It also offers a heat-retardant, custom-injection molded cabinet, an electronic thermostat with overheat safety shut-off, a programmable temperature, no skid/no scuff rubber feet, and it has 3 infrared quartz elements. This LifeSmart infrared heater also features a cool-to-touch exterior cabinet that's safe for kids and pets, and it comes with a wireless remote control.
LifeSmart LS-3ECO is a great supplemental heater. It is energy efficient, safe, & easy to use.
Average User Rating
12 reviews. Write your own review.
My husband and I purchased this heater to try to save on heating with oil. We have tried other space heaters but they add tremendously to our electricity bill. We did research and infrared is supposed to be much more economical. So far we are pleased. I like the three different settings. The one setting we use is the eco setting of course. The bathroom is not insulated and so now we don't have to sit on a cold toilet seat or freeze during getting in and out of the shower. We have not gotten our electric bill yet and that is why I have not given this product a 5 star rating. So far, so good. Oh and I was very pleased with how quickly the item was shipped to us. We received this item in less than a week.
We got this because our dog spends the night in the garage. Rather than light the pellet stove each day to warm it up this little heater keeps it confortable for her throughout the night and it hardly uses any electricity.
It heats my 24' RV almost too much, but the thermostat makes it fine.
The first heater I received was defective (thermostat did not work). I called the factory and they told me they would send me the part, and I could fix it myself. Ridiculous!
I called VM and they had no problem replacing it with a new one. Shame on the Manufacturer (seller!).
Thanks, VM, I will buy from you and recommend you to all my friends and family!!!
As Advertised, this is a Great, Efficient, & Green Unit. On the Eco Mode (500W) it keeps the Front 800 Sq Ft of our Condo Unit 74 Degrees Warm.
I have a small house so the sq coverage is just right. It's smaller than other infrared heaters so doesn't take as much space.
I've been using just a wall heater to heat up my small business. I usually have to set it to turn on several hours in advance. Now that I have this heater I set it on economy when I'm planning on being away for several hours and when I arrive I turn it to high and it saves the number of hours it usually takes using the wall unit heater to heat my small business. Plus my wall unit is too noisy so after I heat up the room with the both of them I'll turn the wall unity off and with the new heater it stays nice and warm.
Works excellent. Shipped fast. All pro's, no con's.
Nice communication after purchase. Easy transaction. Hoping for a new coupon so I can buy another plus I need an exectric chainsaw. Good company overall to deal with.
I used this item to heat a televsion room with no door, or a bedroom. I liked the small size. Even though it was small, it heated the room well. It specifies that it covers 800 sqare feet. It was a little difficult to turn on. There is a back power button to turn on. Then, there is a front power button to turn on. Sometimes, the front power button had to be held down for a few seconds to turn on. The heater doesn't seem to turn off when the front power button is pushed again. I had to turn of the back button. The temperature button goes to a low of 59 degrees farenheit, so it can potentially cool a room, too. The highest temperature appears to be 86 degrees, which may not be warm enough. I have an old house with radiators, and the heat wasn't working well this winter, so it was very helpful in the small room, even with no door to keep in the heat. The heater came with a remote, and I don't know where it is right now. It would help to have some velcro on the machine and remote to attach them, so the remote doesn't get separated and lost. Or a holder on the side for the remote would be helpful. I liked that it has grooves on the sides to lift it and transport it. i would like a better way to keep the cord contained and neat on the machine when not in use. It might be nicer if it oscillated to spread the heat throughout the room. I like the safety feature which turns off the machine if it gets overheated.
heats up a cold kitchen/ laundry area great
Does what it was intended for!
heats a room very fast. well worth the money
keeps her bedroom toasty


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The aerial distance from Angadipuram to Ernakulam is 110 km while the road distance between Angadipuram to Ernakulam is 141 km.By Train it is 132 Km.
|Aerial Distance
|110 kms
|Road Distance
|141 kms
|Rail Distance
|132 kms
No flights are available between Angadipuram to Ernakulam but there is/are 1 direct train(s) from Angadipuram to Ernakulam. These train(s) is/are Rajya Rani Exp (16350) etc. The minimum time a train takes to reach Ernakulam from Angadipuram is 4h 12m.The fastest way to reach Ernakulam from Angadipuram takes you 2h 53m, which is to take a taxi from Angadipuram to Ernakulam.The cheapest way to reach Ernakulam from Angadipuram takes you 4h 12m, which is to take Rajya Rani Exp from Angadipuram to Ernakulam.
No direct connectivity to flight between Angadipuram and Ernakulam is available. Best to take a taxi from Angadipuram to Kozhikode then take Air India Express from Kozhikode to Ernakulam.
angadipuramkozhikodeernakulam3hr 05m Rs.2,808
More DetailsFromToDep. & Arr. TimePrice*
Taxi / Private Car
kozhikode02:30 - 03:50
(1 hr 20 m) Rs.896
Changeover at kozhikode - 1 h 00 m
Air India Express
IX 474calicut international airport
kochi airport04:50 - 05:35
(0 hr 45 m) Rs.1,912
Distance between angadipuram and kozhikode: 64 kms
Distance between kozhikode and ernakulam: 120 kms
Direct train between Angadipuram and Ernakulam is available.Best to take Rajya Rani Exp from Angadipuram to Ernakulam
angadipuramernakulam4hr 12m Rs.105
More DetailsFromToDep. & Arr. TimePrice*
Rajya Rani Exp
Class SLangadippuram
ernakulam town (north)21:23 - 01:35
(4 hr 12 m) Rs.105
Distance between angadipuram and ernakulam: 132 kms
Things to Know
What is the average direct train fare from Angadipuram to Ernakulam?
Lowest train fare is Rs 105 for Rajya Rani Exp and highest train fare is Rs 105 for Rajya Rani Exp, where average fare is Rs 105 for Rajya Rani Exp from Angadipuram to Ernakulam.
List the name of trains with train number between Angadipuram and Ernakulam.
The major trains between Angadipuram and Ernakulam are as follows:
Rajya Rani Exp (16350).
How many direct trains are operating from Angadipuram to Ernakulam?
There are 1 direct trains between Angadipuram and Ernakulam.