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Title of the Tutorial: Intelligent Digital Image Processing Operators Based on Computational Intelligence Techniques
Dr. Mehmet Emin YUKSEL, Professor & Chairman, Department of Biomedical Engineering, Erciyes University, TURKEY
Digital imaging is becoming more and more widespread in many different areas of science and technology. Even though the quality of digital imaging technologies increase every day, digital images are inevitably corrupted by noise during image acquisition and/or transmission due to a number of imperfections caused by image sensors and/or communication channels. In most image processing applications, it is of vital importance to remove the noise from the image data because the performances of subsequent image processing tasks (such as segmentation, feature extraction, object recognition, etc.) are severely degraded by the noise. A good noise filter is required to satisfy two conflicting criteria of (1) suppressing the noise while at the same time (2) preserving the useful information (edges, thin lines, texture, small details, etc.) in the image. Unfortunately, a great majority of currently available image filters cannot simultaneously satisfy both of these criteria. They either suppress the noise at the cost of distorting the useful information in the image, or preserve image information at the cost of reduced noise suppression performance.
In the last few years, there has been a growing research interest in the applications of computational intelligence techniques, such as neural networks and fuzzy systems, to the problems in digital image processing. Indeed, neuro-fuzzy (NF) systems offer the ability of neural networks to learn from examples and the capability of fuzzy systems to model the uncertainty, which is inevitably encountered in noisy digital images. Therefore, neuro-fuzzy systems may be utilized to design line, edge, and detail preserving filtering operators for processing noisy digital images.
In this tutorial, we will begin by a quick review of the fundamental concepts of fuzzy and neuro-fuzzy systems as well as their application to digital image data. Then, we will derive a generalized neuro-fuzzy (NF) based operator suitable for a range of different applications in image processing. Specifically, we will consider three different applications of the presented
NF operator: (1) noise filter, (2) noise detector and (3) edge extractor.
In the noise filter application, the NF operator will be employed as a detail-preserving noise filtering operator to restore digital images corrupted by impulse noise without degrading fine details and texture in the image. In the noise detector application, the NF operator will be employed as an intelligent decision maker and utilized to detect impulses in images corrupted by impulse noise. Hence, the NF operator will be used to guide a noise filter so that the filter will restore only the pixels that are detected by the NF operator as impulses, and leave the other pixels (i.e. the uncorrupted pixels) unchanged. Consequently, the NF operator will help reduce the undesirable distortion effects of the noise filter. In the edge extractor application, the NF operator will be used to extract edges from digital images corrupted by impulse noise without needing a pre-filtering of the image by an impulse noise filter.
In all of these applications, the same NF operator will be used for three different purposes. The fundamental building block of the NF operator to be presented is a simple 3-input 1-output NF subsystem. We will then show that highly efficient noise filtering, noise detection or edge extraction operators may easily be constructed by combining a desired number of simple NF subsystems within a suitable network structure. Following this, we will present a simple approach for training the NF operator for its particular target application. Specifically, we will show that the internal parameters of the NF subsystems in the structure of the presented NF operator may adaptively be optimized by training, and the same NF operator may be trained as a noise filter, noise detector or an edge extractor depending only on the choice of the training images. We will further show that the NF subsystems may be trained by using simple artificial training images that can easily be generated in a computer. For each of the three applications of the presented NF operator, we will demonstrate the efficiency of the presented approach by appropriately designed simulation experiments and also compare their performance with a number of selected operators from the literature. We will complete the tutorial with a brief summary of other existing as well as potential applications of the presented general-purpose NF operator in image processing.
Senior researchers and students who have some general background knowledge in signal processing and communications, and who are interested in computational intelligence techniques.
Allow the audience to
- understand the basic principles of computational intelligence methodologies, their advantages and disadvantages,
- learn how to design and implement a general purpose neuro-fuzzy operator suitable for many different kinds of signal/image processing tasks,
- learn how to customize this neuro-fuzzy operator for a specific signal/image processing task by training,
- understand the other potential uses of computational intelligence based operators.
Bio: Mehmet Emin YUKSEL received his B.S. degree in electronics and communications engineering from Istanbul Technical University, Istanbul, Turkey, in July-1990. In February-1991, he joined the Dept. of Electrical and Electronics Eng., Erciyes University, Kayseri, Turkey. He received his M.S. and Ph.D. degrees in electronics engineering from Erciyes University in February-1993 and September- 1996, respectively. Between 1991 and 2011, Dr. Yuksel was a full time member of the Dept. of Electrical and Electronics Eng., Erciyes University, Kayseri, Turkey, with the exception of a period between March-1995 and December-1995 when he was with Signal Processing Section, Dept. of Electrical Engineering, Imperial College, London, UK. Currently, he is a professor at the Dept. of Biomedical Engineering, Erciyes University, Kayseri, Turkey. His general research interests include computational intelligence techniques, evolutionary computation and applications of these techniques in signal and image processing. Dr. Yuksel was the conference co-chair of IEEE SIU-2005 (IEEE 13th Signal Processing and Communication Applications Conference), local co-chair of HDM-2008 (International Conference on Multivariate Statistical Modeling and High Dimensional Data Mining), conference co-chair of INISTA-2010 (International Symposium on Innovations in Intelligent Systems and Applications), and local chair of IC-SMHD-2016 (International Conference on Information Complexity and Statistical Modeling in High Dimensions with Applications). He is a member of the Editorial Board of the International Journal of Reasoning-Based Intelligent Systems. He has served as a member of the technical committees of many national and international conferences. He is a Senior Member of the IEEE.
Tutorial 02
Title of the Tutorial: Text Mining and Biomedical Text Data Mining: Entity, and Relation Extraction
Dr. Jeyakumar Natarajan, Data Mining and Text Mining Lab., Dept. of Bioinformatics, Bharathiar University, India
Abstract: This tutorial is about text mining in general and biomedical text data mining in particular to extract named entity, and relation extraction form natural language text. The discipline text mining is evolved for automatic extraction new knowledge from published literature. Text mining is defined as the utilization of automated methods for the enormous amount of knowledge available in text documents. In biomedical sciences, besides experimental data, there is a substantial amount of biomedical knowledge recorded only in the form of free-text in research abstracts, full-text articles and clinical records etc. Machine learning algorithms are commonly applied to text mining applications. Text mining of biomedical literature has been applied successfully to various biological problems such as biomedical named entity recognition (e.g. genes and proteins names), entity relation extraction (e.g. protein-protein interactions, gene-disease relations) and event extraction (e.g. biomedical pathways and functions). The talk will introduce text mining basics, methodology, followed by various applications areas in biomedical domain.
Outline including a short summary of every section:
- Introduction and overview of machine learning, text mining and biomedical text mining [45 minutes]
This section first introduces machine learning and its application in general text mining. This is followed by application of text mining in biomedical literature and biomedical literature resources such as PubMed, Full-text research articles and Clinical records etc will be presented.
- Text Mining and Biomedical Text Data Mining and Components Tasks [45 minutes]
This section various component tasks of text mining which includes i) Named Entity recognition ii) Co-reference resolution ii) Template relation extraction, iii) Event extraction iv) Scenario template extraction will be presented. The two major component tasks of biomedical text mining (i.e.) biomedical named entity extraction and entity-relation extraction and its applications will be highlighted.
- Biomedical Named Entity Extraction [30 minutes]
This presentation in this section includes overview of Biomedical Named Entities (e.g. gene, protein, diseases names etc), Protein/gene name identification methods such as rule based, lexicon based and machine learning based approaches and gold standard data sets and essential papers related to this task.
- Biomedical Relation and Event Extraction [30 minutes]
This section presents the overview of Biomedical Relations (protein-protein interactions, gene-disease relations etc.), Relation extraction methods such as rule based, lexicon based and machine learning based approaches and gold standard data sets and essential papers of relation extraction task.
- Demo of in-house developed text mining tools [30 minutes]
In this last section the on-line demo of following four in-house developed text mining tools will be presented. They are i) Named Entity Tagger NAGGNER with its algorithm/method ii) Co-reference Tagger ProNormz with its algorithm/method iii) Entity-Relation system PPInterFinder with its algorithm/method iv) event extraction system HPIminer with its algorithm/method.
Target audience: The target audience is computer science and information technology graduate students and researchers who are interested to understand the basic principles behind text mining and wish to develop and use text mining systems for biomedical data analysis. All concepts will be introduced on an intuitive level, so a computational biologist or a computer scientist will be comfortable with the material.
Specific goals and objectives: The specific goal and objective and of this tutorial is introduce about the plethora of data in the form of text and other forms available on biomedical science and the current and future research opportunities excising on this domain to the computer science researchers.
Bio: Jeyakumar Natarajan is currently working as Professor at Dept, of Bioinformatics, Bharathiar University, Coimbatore, India. His Ph.D. is in Computational Biology from University of Ulster, United Kingdom where he is worked on developing data mining and text mining systems for protein-protein interactions and robust analysis of microarray data. He also holds post- doctoral work at Northwestern Medical School, Northwestern-University, Chicago, US. His research area is the intersection of computer science, biology, and computational linguistics. His current research activities focused on data mining, text mining and machine learning methods for biomedical data analysis and interpretation and other high-throughput data from genomics and proteomics. His other research interests include information retrieval, web mining, bio-ontologies, and ontology mining in bioinformatics. Jeyakumar is a frequent invited speaker on the above topics in various universities and research institutions across India.
Title of the Tutorial: Software Quality Predictive Modeling: An Effective Assessment of Experimental Data
Dr. Ruchika Malhotra, Assistant Professor, Department of Software Engineering, Delhi Technological University, Delhi, India
Abstract: Predictive modeling, in the context of software engineering relates to construction of models for estimation of software quality attributes such as defect-proneness, maintainability and effort amongst others. For developing such models, software metrics act as predictor variables as they signify various design characteristics of a software such as coupling, cohesion, inheritance and polymorphism. A number of techniques such as statistical and machine learning are available for developing predictive models. Hence, conducting successful empirical studies, which effectively use these techniques are important in order to develop models which are practical and useful. These developed models are useful to organizations in prioritization of constraint resources, effort allocation and developing an effective software quality product.
However, conducting effective empirical studies which develop successful predictive models is not possible if proper research methodology and steps are not followed. This tutorial introduces a successful stepwise procedure for efficient application of various techniques to predictive modeling. A number of research issues which are important to be addressed while conducting empirical studies such as data collection, validation method, use of statistical tests, use of an effective performance evaluator etc. are also discussed with the help of an example. The tutorial also provides future directions in field of software quality predictive modeling.
Outline: A major problem faced by software project managers is to develop good quality software products within tight schedules and budget constraints. Development of predictive models which can estimate various software quality attributes such as effort, change-proneness, defect-proneness and maintainability are important for project-managers so that they can focus their resources effectively and develop a software product of desired quality. But how do we use different available techniques such as statistical and machine learning effectively for model prediction? In order to answer this question, this tutorial discusses with the help of an example the research methodology for successful application of various techniques to software quality predictive modeling. It also explores various research issues in the field and provides future directions to enhance the use of software quality predictive models. The various sections of this tutorial are:
- Research Methodology for Software Quality Predictive Modeling
- Research Issues in Software Quality Predictive Modeling
- Current Trends in Software Quality Predictive Modeling and
- Future Directions in Software Quality Predictive Modeling
Target Audience: The tutorial is targeted at academic researchers and software practitioners who plan to develop models for predicting various software quality attributes. It effectively states the steps needed to perform an empirical study to investigate and empirically validate the relationship between various software quality attributes and OO metrics. The tutorial proposes efficient steps for doing replicated study or to analyze the relationship between various quality attributes and OO metrics.
Specific Goals and Objectives: The reasons for relevance of this tutorial is manifold. Empirical validation of OO metrics is a critical research area in the present day scenario, with a large number of academicians and research practitioners working towards this direction to predict software quality attributes in the early phases of software development. Thus, this tutorial explores the various steps involved in development of an effective software quality predictive model using a modeling technique with an example data set. Performing successful empirical studies in software engineering is important for the following reasons:
- To identify defective classes at the initial phases of software development so that more resources can be allocated to these classes to remove errors and thus the cost of correcting the error is minimized as it is eliminated at an earlier stage.
- To analyze the metrics which are important for predicting software quality attributes and to use them as quality benchmarks so that the software process can be standardized and delivers effective products.
- To efficiently plan testing, walkthroughs, reviews and inspection activities so that limited resources can be properly planned to provide good quality software.
- To use and adapt different techniques (statistical, machine learning & search-based) in predicting software quality attributes.
- To analyze existing trends for software quality predictive modeling and suggest future directions for researchers.
- To work towards consistently improving the quality of the resulting OO software processes and products.
- To document the research methodology so that effective replicated studies can be performed with ease.
It is important to document and state effective research methodology for use of different techniques for software quality predictive modeling so that efficient empirical studies can be performed which are of practical relevance. Thus, the tutorial presents a complete and repeatable research methodology.
Bio: Ruchika Malhotra is an assistant professor in the Department of Software Engineering, Delhi Technological University (formerly Delhi College of Engineering), Delhi, India. She has been awarded prestigious UGC Raman Postdoctoral Fellowship by the Indian government for pursuing postdoctoral research from the Department of Computer and Information Science, Indiana University-Purdue University Indianapolis (2014-15), Indianapolis, Indiana, USA. She received her master's and doctorate degree in software engineering from the University School of Information Technology, Guru Gobind Singh lndraprastha University, Delhi, India. She was an assistant professor at the University School of Information Technology, Guru Gobind Singh Indraprastha University, Delhi, India. She received the prestigious IBM Faculty Award 2013. She is author of the book titled Empirical Research in Software Engineering: Concepts, Analysis and Applications and co-author of a book Object Oriented Software Engineering. Her research interests are in empirical research in software engineering, improving software quality, statistical and adaptive prediction models, software metrics and software testing. Her H-index as reported bv Google Scholar is 18. She has published more than 120 research papers in international journals and conferences. She can be contacted by e-mail at firstname.lastname@example.com.
Title of the Tutorial: Are you safe on your browsers? Cyber attacks and spying using malicious browser extensions
Mr. Gaurav Varshney, Research Scholar, Information Security Lab, Department of CS, IIT Roorkee
Abstract: There has been an immense utilization of browser extensions now a day for providing additional functionalities to users over the basic browser functionalities. In the recent times it has been identified that malicious browser extensions are allowing the attackers to carry out cyber frauds, cyber spying over targeted users using malicious browser extensions. This tutorial practically demonstrates the vulnerabilities that are exploited by malicious extensions and possible attacks that can be launched via attackers. This tutorial will provide browser developers and security researchers an insight into the current security vulnerabilities to patch them with improved designs in the near future to avoid malicious extension based attacks.
2. Chrome browser extension execution architecture as case study
3. Cyber frauds via malicious extensions (Practical)
a) Phishing b) Affiliate Fraud c) Webpage Manipulation
4. Cyber spying via malicious extensions (Practical)
a) Sniffing users email data b) Sniffing users form data c) Key loggers over browser
5. Botnet based attacks via malicious extensions
Using malicious extensions as a bot for launching DDoS attacks
6. Discussion about the security flaws and recent research proposals
7. Identifying research gaps and throwing future research directions
Intended audience: Security researchers both from industry and academia, B. Tech, M. Tech, PhD students interested in research in the area of cyber security. People working in cyber forensics.
Bio: Mr. Gaurav Varshney is a PhD student at IIT, Roorkee. He is currently a Visiting Scholar (with Prof. Pradeep Atrey) at the Dept. of Computer Sc., SUNY Albany. His research interests include securing users against cyber spying and developing advanced authentication schemes for thwarting phishing attacks. He has done his Master's from IIT, Roorkee in 2012 in the area of phishing prevention schemes. Gaurav has also worked with Qualcomm, India (2012-14) as an Engineer and done internships at TRDDC labs, Pune India and Pure Testing private limited Noida.
Title of Tutorial: Feature Based Image Segmentation and Classification Techniques using Random Forests
Dr. Kumar Rajamani, Architect, Robert Bosch, Bangalore
Abstract: This talk presents some of the recent approaches for image classification and segmentation. Segmentation tasks are very challenging especially in the medical imaging context. The recent advances in feature extraction and classification makes some of the challenging problems tractable. First a brief overview of some of the recent feature extraction techniques is presented. This is followed by insights into Random Forest classifier. Finally a interactive training application 'ilastik' is explained. ilastik provides real-time feedback of the current classifier predictions and thus allows for targeted training and overall reduced labeling time. In addition, an uncertainty measure can guide the user to ambiguous regions of the data. Once the classifier has been trained on a representative subset of the data, it can be exported and used to automatically process a very large number of images.
Bio: Dr. Kumar Rajamani is Architect at Robert Bosch Engineering and Business Solutions. Prior to joining Bosch he spent three years at GE Global Research (GRC), with the Medical Image Analysis lab. He was primarily involved in quantitative imaging of cancer. Earlier to GE, Kumar was Senior Scientist at Philips Research and Head of IT-Department at Amrita University. His research focus includes Medical Image Analysis, Health care technologies for emerging markets. He has seven patents filings. Kumar completed his Ph.D. in Biomedical Engineering from University of Bern, Switzerland.


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Brochure, printing
Grey Sauble Foundation uses their brochure to raise funds for the foundation. They wanted to update the look of the brochure and print them.
We added more colour to the design to create more excitement and give it a modern look and feel. New text was provided by the foundation which we incorporated into the design. ColourPix provided the printing services as well.

subset: commoncrawl


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The Racer Capri is the perfect length for intense workouts or running. This capri is not only flattering, but also supremely functional. With a hidden waistband pocket to easily store small necessities, you'll be super prepared for your morning run, trip to the gym, or next Power Yoga session.
Purchase your own Racer Capri


text: BLACK & GOLD/SILVER ROYAL/FAIRY THEME MINI SCROLL IN THE BOX - MSBT-006Handmade scroll invitation comes with 2 inserts or choice of RSVP card with envelope. The envelope and box is made out of premium grade heavy cardstock. Great for wedding, birthdays, graduation, baby showers and much more! Colors and design customizable. Desinigng & Printing is included.


text: Dwyane Tyrone Wade Jr. ( dwayn; born January 17, 1982) is an American former professional basketball player. Wade spent the majority of his 16-year career playing for the Miami Heat in the National Basketball Association. After a successful college basketball career with the Marquette Golden Eagles, Wade was drafted fifth overall in the 2003 NBA draft by the Heat. In his third season, Wade led the Heat to their first NBA Championship in franchise history and was named the 2006 NBA Finals MVP. At the 2008 Summer Olympics, Wade led the United States men's basketball team, commonly known as the "Redeem Team", in scoring and helped them capture the gold medal. In the 2008–09 ... more on Wikipedia


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Aug 8, 2018
Welcome to the newest New York Real Estate Update from Brooklyn Made.
This month we've seen some big real estate moves in play, and see developers going all out with new projects that will continue to change the skyline and living trends over the next few years.
In the commercial real estate headlines...
While the latest Brooklyn Rental Market Report shows improvements and ongoing growth in some sectors, and the rent certainly still isn't cheap in New York, Manhattan is continuing to struggle, especially on the commercial front.
The economy is great, capital is flush, yet despite the fed holding rates steady, we are still seeing some diverging trends in the data and media.
Disney is going all in on New York real estate, with a new deal with Trinity Church for Four Hudson Square. Disney plans to relocate its corporate headquarters to the new site.
In other dealmaker news Z NYC Hotel on Long Island just sold for $43 million. The lot also includes a separate building with 109 apartments in the rear.
3 World Trade Center just made its formal debut on the market. Opening as the city's fifth tallest building, with 44 elevators, and 80 floors, it is already 38% leased according to AM New York.
On the residential market, One Wall Street is nearing the end of its conversion, with sales expected to begin in the next few months. Current pricing is anticipated to average $3 million for entry apartments, with a triplex penthouse asking over $38 million. Over half of the units will only be studios or one-bedroom apartments. Retail space will include the building having its own Whole Foods supermarket.
Prices at One Wall Street may seem like even more of a steal when you look at the cost of today's micro-apartments in New York City. Graham Hill who sold his last tiny living space for just under $1 million, just listed a 350 square foot apartment in Soho for $750,000.
Those looking for more of a deal might want to check out The Gallivant hotel in Times Square. The lender is reportedly set to hold a foreclosure sale of the mortgage, and may slash the debt on the property by around half according to the NY Post. This month will also see the foreclosure auction of One Bennett Park. The site has as much as 276,000 square feet to develop for a residential project.
Still, while some older buildings may still be struggling to find the right footing, there appears to be no lack of appetite for redeveloping and constructing new projects in the Big Apple. In fact, data from YIMBY shows an almost 70% surge in development filings in the first half of 2018.
More are in the works too. Like 185 Broadway in FiDi, and pre-filing plans to turn it into a 37 story residential building with 279 apartment units. Another 668-foot tower at 200 Amsterdam Avenue plans to bring 112 new apartment units to the Upper West Side.
New York City is also currently seeking proposals to develop and operate 200,000 square feet of media and film production space at the Sunset Park waterfront.
In other news, the start of the year long closure of the N, D and R subway lines in Brooklyn got off to a rough start, with the MTA relying on Twitter to remind travellers of the shutdown that will last at least until July 2019.
While New York may be far from rolling out an all solar mandate for building like California, a new energy efficient benchmarkand grading system is debuting for commercial buildings in the city. The letter based grade system, which will post ratings publicly on the properties is hoped to put peer pressure on owners to become greener and help reduce greenhouse gas emissions by 80% within the next 32 years.
Proving it still isn't easy for renters in the city, one Bushwick building just launched a lottery for 3 'affordable' housing units. These one and two bedroom units from from $1,979 to $2,387 per month. Income limits for applicants run from $67,852 to $146,510. That still doesn't leave much left over for a family bringing in just over $5,000 a month, before taxes.
The Rent Guidelines Board has also voted in a new rent hike that begins this fall. Almost one million rent stabilized tenants in the city could see their rent go up by as much as 2.5%.
Coworking giant WeWork is making waves with a range of new services. That now includes designing office spaces, like UBS' headquarters. In some good news for real estate brokers, WeWork appears to be reversing any downward pressure on brokerage commissions, by doubling its leasing rates to 20% from the traditional 10.
For Brooklyn Real Estate News
Brooklyn continues to advance with improvements in the rental market, new developments, and capital investment.
Earlier this year we saw some rent discounts due to the L train shutdown, and landlords offering more deals to attract new tenants and sign more leases. That pressure seems to have eased, with rents mostly coming back up again.
The Economic Development Corporation recently unveiled and opened another 500,000 square feet of space at the renovated Brooklyn Army Terminal. As part of a larger 4 million square foot space, the site houses innovative business including a 3D printed clothing company, and is heralded as an affordable location for housing startups and small businesses.
Another skyline redefining Brooklyn office tower just secured the financing to go ahead as well. The 34 story Class A tower at One Willoughby Square in Downtown Brooklyn will receive a $235M from Otera Capital.
Extell, has scored double that, with $530M in new financing for a new condo tower in Brooklyn. The project which is hoped to be completed in 2020, will rise 68 stories, becoming the tallest residential building under construction in Brooklyn right now.
Another luxury apartment conversionon Williamsburg's North 7th Street is about to launch sales. 29 of the 45 units at the old soap factory site will have private outdoor space. Amenities include a children's playroom with a view, rooftop fitness center, and additional amenities for purchase such as cabanas and parking spaces.
Dumbo is getting another gourmet market, with Wholesome Farms Market's third location in Brooklyn being inked at 108 Jay Street. The chain will take on a 3,000 square foot retail condo at the site for 15 years according to the Commercial Observer.
The above activity has certainly added to the borough's traction. BisNow reports that Brooklyn has seen $4 billion worth of commercial properties trade hands in the first half of 2018. 44% more than in 2017.
In other boroughs
NYC housing inventory has been rising to record levels. Im May, Manhattan inventory rose 16.7% year over year. Brooklyn inventory went up 23.4% and Queens saw listing levels up 42.8%. As a result 1 in 6 home listings saw a price discount.
While the US economy appears strong and growing, these increased inventory levels, high prices and higher property taxes, have even led to declining sales in the wealthy playground of The Hamptons. CNBC reports that quarter two sales fell by almost 13% in the Hamptons. Median home prices dropped by 5.3%, taking the average home price under $1 million.
For Landlords and Investors
New York City landlords are increasingly being pressured to make the most out of every square foot. Rental market reports show distinct differences in rates that various amenities can provide, and which may no longer make much of a difference. Now, between sky high housing costs, taxes and the trend in coliving, landlords are also looking at what they can get for each room. Should they be leasing by the room instead of an apartment? Or even by the bed or sofa? These strategies may boost potential income and help diversify assets, yet they can also be far more property management intensive.
However, New York City landlords still need to be very careful when considering engaging in short term leasing. A new bill passed in July 2018 claims to force Airbnbto had over listing data to authorities who can pursue them for violations with very expensive fines and penalties.
The New York City controller's office has found that upfront move in costs are just too expensive. A study shows many are paying as much as 25% of their annual income, just to move into a new apartment each year. That doesn't include their ongoing monthly rent. Among the current solutions being worked on is capping the security deposit requirement allowed by landlords to no more than 1 month's rent.
In conclusion...
It has been a busy first half of the year for New York real estate market already. Big players, buyers, and developers haven't been shy. In fact, we continue to see a run of aggressive new projects coming onto the market and filing plans. Brooklyn being one of the biggest beneficiaries of this action, and receiving much of the investment capital. Rents have been blown around by a variety of factors, though appear to be solidly marching on. Housing inventory may be growing, though there are many economic factors which could impact the direction of the market through the end of the year.
Well, that's it for this month's round up. Look out for our other upcoming reports, and check out the latest data on the Manhattan and Brooklyn residential and multi-family market, and which features and neighborhoods are yielding the best rents at NewYorkMarketReports.com.
Thanks again to our sponsors, The Ratner Team, and SpartanRenovations.com for making these reports and delivering this valuable information possible!
Make sure you like and share this report, and leave your comments on this news, or any trends you think we overlooked or you want to hear more about in the comments section.


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The Many Hairstyles Of Emma Stone
Emma Stone is a woman of many talents. Not only can she act and lip sync with the best of them, but it seems as though she can also pull off just about any hairstyle and colour that's thrown at her. Her signature look of side sweeping bangs and medium length hair can be styled so many different ways so here we look at six of the best.
While this style of Emma Stone's isn't my favourite, she still manages to pull it off. The platinum blonde colour would probably make her look a bit washed out if it wasn't for the vibrant lipstick and rosy cheeks but she makes it work.
This strawberry blonde colour on the other hand really compliments her complexion and looks incredibly natural. The soft curls add a touch of romance, perfect for an evening event.
This length is the shortest that Emma Stone has had her locks and she rocks it so well. It's a simple layered cut that perfectly frames her face.
This sleek and sexy cut is so simple yet extremely flattering and the colour compliments her complexion, leaving her looking fresh faced.
And here's the same hairstyle, just many years later and at other ends of the colour spectrum. Funnily enough it still looks amazing.
I'm not normally a huge fan of ombre hair but this style on Emma looks amazing because it's quite subtle and the colours compliment each other really well. For a change she's also opted for a full fringe rather than her signature side sweep, putting the icing on the cake for this look.
Images via beautysols.com, facialhairstyles.org, revistazelo.com.br, fashionandhappify.info, yayhairstyles.com, media2.onsugar.com, dailyhairstyles.net, tattoos.fanshare.com


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Civica Group are a leading supplier of software, technology and outsourcing services, with customers spanning the government, health care, education and library sectors. Their offering includes a fully integrated IT system incorporating applications for health management, investment services, customer request management and reporting.
After setting up multiple cloud environments Civica made the decision to consolidate, so they began their search for a data centre with the ability to streamline all customer offerings in a single cloud environment.
With NEXTDC's quality hosting services they were able to transform service and application delivery for own internal environments and for customers.


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I love to travel and with every new place I go, I am sure to learn many things. I learn not only about the place's history and its beautiful features, I also learn about the people's culture and customs. Indeed, traveling provides me with limitless and unique experiences.
However, traveling doesn't only give me new experiences and allows me to encounter new people and new things. I also learned that the more I travel, the more I got better at it. For sure, comparing my recent trip to my very first would show that I had a difficult time at first. I had to basically grope my way around traveling and going to a strange place. This was especially true on my first solo trip. However, I've realized that I've gotten better at it through time. I find that I no longer experience as many snags along the way, that I have a better instinct on how to deal with certain situations. I also find myself sharing many tips on the do's and don'ts of traveling with my friends.
Right now, though, all of this information stays in my head. I tend to just keep mental notes of what's acceptable in one place that is not acceptable in the next. I try to remember what worked best for me during a trip, as well as what blunders I should avoid in my next. Indeed, I encounter so many different experiences in the different places I go to as each place has its own idiosyncrasies. I just wish I had a better way of keeping track of all of these "lessons learned," not only for my own benefit but also for the benefit of my friends or family with whom I can share the information.
I do keep a blog, and I'm sure that many of the lessons I learned from my various trips are written somewhere in those blog posts. However, with the many blog posts I've written, it would be difficult and would take long to find the specific information that I need. After all, my blog is a hodge podge of my various thoughts, feelings, and experiences. They're also mostly for my own use, that is, my blog serves as a diary and not necessarily to provide others with information.
In this regard, I wish I had a better way of documenting the practical lessons I learn from my trips — an easier and more straightforward way and a way that's specifically intended to provide information and not merely reflections. Not only will such information be useful for the other people in my life, such as my family and friends; I might also be able to later on turn all of the information I've gathered into a book! I just need an efficient and organized way of gathering the information.
KleverNote – A Collection of Lessons from My Travels
I came across KleverNote as I was browsing through the apps on the App Store. Since it was available for free, I downloaded and installed it on my iphone. It has cool features and is great for note taking. However, what I love about it is that it has many templates that will cater to the various needs of users. I was fascinated with the Places I Visited template, as it was exactly what I was looking for.
The Places I Visited template is an app that allows me to take note of the important and practical things that I learn from my trips in an easy and straightforward way. Unlike a blog where I have to pretty much write everything in prose, the KleverNote app has fields that I just need to fill in. In other words, it saves me the effort and time spent on introducing or labeling the information I write down. With the KleverNote app, everything is already classified into different types of information such that the information would still be readable anytime I choose to refer to them in the future.
The app allows me to take note of what I like most about the place, as these can serve as reasons for me to go back to that place or for me to suggest the place to a friend who's planning their next trip. Of course, it can also serve as a travel log for those who do not blog, as this app helps them keep a record of their experiences on their trips. Indeed, a user can use the app for whatever purposes it serves them.
The app also allows me to take note of the do's and don'ts when traveling. For example, I learned that chewing gum is not allowed in Singapore and that in Hong Kong, people tend to drive on the left but walk on the right. This may be confusing for certain tourists. I can also use the app to write down some of the local words or phrases that a tourist would need to use in order to get around the place. This is especially true for countries where the people don't speak much English. In addition, I can attach a picture of the place in my entry, and I can also rate the place, according to how much I liked it.
With the app's Search feature, I can easily find the information I need, either for my own use or because a loved one asks for it. In this regard, I know that I'd still be able to easily access all of the information I need even as the number of places I visit grows.
At first, I thought that the app doesn't have fields for the other types of information that I want to keep track of. An example would be the Must-Try Foods in that Place. I need not worry, though, as I found that I can easily modify the template, either in terms of its appearance or in the fields included.
Indeed, KleverNote's Places I Visited template provides me with a unique and convenient way of taking down the important things I learn from my trips. Since I have the app right on my iphone, I can even write down my thoughts even while I'm on my trip. I no longer have to get home to do that. This way, I have less chances of forgetting the strange yet insightful experiences I encounter along the way. Indeed, KleverNote makes sure that I don't miss learning the important lessons from my trips and that I learn each of them well.


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WSS & Sadleirs with Time Bound Movements from Australia to the UAE
17th November 2017
Wilhelmsen Ships Service (WSS) in the UAE and Sadleirs Global Logistics in Australia have recently handled the time bound movements of air cool chillers from Sydney to Jebel Ali.
The two shipments consisted of 4 air cooled chiller AC units with 2 at 6,300kgs / 5.05 x 4.10 x 2.90m and 2 at 3,200kgs / 2.60 x 2.80 x 3.00m.
The scope of work included:
- Receiving cargo at Sydney warehouse
- Loading, lashing and securing cargo on flat-rack containers
- Marine survey of the operation
- Export customs clearance at Sydney Port
- Sea freight from Sydney Port to Jebel Ali Port via 20' & 40'FR
The WSS & Sadleirs teams ensured a proper coordination between all parties for the timely movement of both shipments. WSS is now preferred by the client to work on their other project cargo.


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New Zealand immigration to fuel economy, jobs
New population figures show the country grew by an extra 15,600 people in the year to the end of August, a result that is much higher than the just 5,000 people for the previous year.
New Zealand retailers say the population rise will see an increase in retail sales while the building industry is also being lifted out of a slowdown with the increased demands for housing.
Speaking to Radio New Zealand recently, chief executive of the Newmarket Business Association in Auckland, Cameron Brewer, says 2009 has been particularly tough and some retailers are beginning their Christmas marketing early to push sales.
But the rising New Zealand immigration numbers are contributing to improved sales, Mr Brewer says, with listed retail companies like Briscoes and the Warehouse posting better than expected sales results.
Warwick Quinn, chief executive of the Master Builders Association, says the building industry hit a low of 14,000 consents in June, but business has begun to pick up and builders are once again looking at hiring staff.
The New Zealand Visa Bureau is an independent consulting company specialising in New Zealand visa and immigration services.


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Marlins squander chances in 5-4 loss to Rockies
DENVER (AP) — The Miami Marlins have put themselves in good position for a playoff run. However, losses like these won't help in their push to reach the postseason for the first time in 11 years.
The Marlins stranded 15 runners, closer Steve Cishek couldn't hold a ninth-inning lead, and the Marlins fell to the Colorado Rockies 5-4 in 13 innings on Saturday night.
"We put ourselves in a good position, had a chance to win a ballgame and it didn't happen," Miami manager Mike Redmond said. "We had it and we just couldn't lock it up."
Corey Dickerson's single to right in the 13th inning scored Nolan Arenado to give Colorado the win, but the squandered chances earlier in the game were just as costly.
Miami finished 2 of 13 with runners in scoring position and struck out 16 times. It opened the door for Dickerson to win the game with a single that ended the 4 hour, 28-minute contest.
It was the second big hit for Dickerson, who sent the game into extra innings with a home run to the third deck in the ninth inning.
Matt Belisle (4-6), the ninth Rockies pitcher, got the win with one inning of perfect relief.
Arenado led off the 13th with a double off the wall in left field against Sam Dyson (2-1). Dickerson followed with a liner to right, and Arenado easily beat the throw from Giancarlo Stanton.
It was the sixth walk-off win for the Rockies.
"We left a ton of guys on base. One-run games in this ballpark — that's tough because you can put a big number up in one swing," Redmond said. "We had chances. We had lots of chances."
Adeiny Hechavarria gave the Marlins a 4-3 lead in the ninth with an RBI single off closer LaTroy Hawkins. Dickerson tied it in the bottom half with a 455-foot drive off Cishek for his 19th homer. It was Cishek's fourth blown save this season.
"I fell (behind) 3-1 to a guy that's an all-or-nothing hitter and when you miss down and in to a lefty that's a power hitter, it doesn't put you in a good spot or the team in a good spot," Cishek said. "Unfortunately, I left a good pitch to hit to a pure fastball hitter and he got all of it."
The Rockies erased a 1-0 deficit in the third inning with a run on a double play and a two-run homer by Brandon Barnes.
Miami got a run in the fourth when Jordan Lyles walked Donovan Solano with the bases loaded, and then tied it on Jarrod Saltalamacchia's RBI double in the fifth.
Lyles left after giving up a pair of two-out singles in the sixth, but lefty Rex Brothers struck out Garrett Jones to end the inning.
Lyles allowed three runs on seven hits, struck out five and walked five.
Miami starter Tom Koehler's only blemish was the third inning. He struck out four and didn't walk a batter in tossing seven solid innings.
After allowing two singles to lead off the fourth he retired 11 of the last 12 batters he faced. The one single he allowed was wiped out on a caught stealing.
Hechavarria saved a run in the bottom of the 12th when he raced out and made a leaping catch of Justin Morneau's blooper with two outs. Had the ball fallen Rockies pitcher and pinch runner Tyler Matzek would have scored from third.
"I don't how he got to that ball. At the time, it was a huge game-saving play," Redmond said. "It's too bad we couldn't come back and flip a run out there, but it wasn't our night."
The Marlins had a rally going in the 11th when the first two batters reached. But the inning turned strange when Marcell Ozuna's line drive went off the glove of shortstop Josh Rutledge. Rutledge got the ball and tagged second for one out and Casey McGehee was caught between second and third. He was tagged out in a rundown.
"I was just trying to get a ground ball out there and it ended up being a line drive," Rockies reliever Nick Masset said. "I was saying, 'Tag the guy, no tag the base.' Just excited about the way it went."
Marlins: No injury updates.
The Marlins will send LHP Brad Hand (2-5, 4.52) against RHP Christian Bergman (0-2, 7.20) in the last game of the three-game set. Bergman is making his first start since breaking his left hand in a start against Milwaukee on June 20.


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Sorry to break the bad news, but the polos are cancelled for this year. They didn't pass the final quality control inspection. There were some issues with both shrinkage and the collars. We were really excited about them too.
No worries, thanks for the heads up Rick.
Hey Rick is it possible to get pants pre-hemmed when making an order?
Took advantage of the sale and picked up the copper linen suit and a pair of mid gray slacks. Was a tough call passing up on one of the new Neapolitan suits, but had to keep my budget intact (for now).
SpierMackay to see if I can swap them out.
I ordered the midnight navy hopsack sportcoat a few months ago and it's quickly turned into my favorite jacket. I'd highly recommend it!


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Document Scanning Services and Solutions
Thinking about scanning your office documents? Need to figure out the best approach to imaging? TAB can help.
As a full-service scanning company, TAB has worked with hundreds of organizations to ensure success before, during and after their document imaging projects.
Discover TAB's complete range of document scanning and imaging services:
- Preparing for the Scan
- Our Secure Imaging Process
- Access to Scanned Documents
- Return of Scanned Documents
Our Knowledge Workers
From document preparation to scanning and capturing document information, the imaging process is labor intensive and requires an experienced team. Our knowledgeable staff have deep imaging experience across many industries and verticals. They understand the role that information plays on a daily basis in helping your organization to realize your business and operational objectives.
Facilities, Equipment and Technology
When it comes to document imaging, having the right equipment configured correctly in the right space and backed by the right technology is absolutely critical. So whether you decide to image your records onsite or at one of our purpose-built facilities, we can provide the equipment in the most efficient configuration so that your imaging project is completed quickly and accurately.
Our records centers offer a full suite of document imaging services for records of every kind, including different media types, industry-specific formats, oversized documents and more.


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Cloud computing is nothing but an on-demand delivery system which provides computing power, database storage, applications and other IT resources. All of this service is provide on-demand or go with pay as you go.
The Cloud computing environment can accommodate any time of applications whether an application which shares your images across other millions of mobile users or it is a business-critical application. All of these can be executed and operated at low cost IT resources.
It provides a safe access to the servers, storages, databases and provides a lot of application services other the internet. One such Cloud computing services are Amazon's AWS.
AWS stands for Amazon Web services. Their cloud services are offered to small-scale companies and also start-up companies where they cannot afford or invest in building up Infrastructure needs. Due to their pay, as you go service model, they have become popular in the IT service market. Also, Amazon has the IT department to support all of these functions. If the system administrators are continuing their legacy hardware related monitoring jobs then it is going to be difficult for them to manage the system administrations when AWS is used. So it is best to upgrade their knowledge also get used to the new cloud computing environment.
The use of Amazon Web services is widely done across the globe because of its Pay as you go service. This means that the businesses or individuals will be paying only for the resources they have used. This is one of the best major marketing points for AWS and that's how they have been popular.
The environment is simple to use and doesn't take much time to get used to it. Also, there is no need for any infrastructure because everything is available in AWS cloud.
This is a perfect start for individuals because it is low on budget so it is pocket-friendly and has a lot of support from the community.
Another factor which made AWS popular in the market is because of its flexibility. The biggest problems that organizations and small scale companies actually go through is a guessing game in terms of the infrastructure needs. Most of the time while deploying the applications, the organizations tend to look for the higher amount of resources and in reality, these extra resources sit idle and end up not using. This results in a lot of wastage in terms of resources and also the money spent on this.
This has been realized by the organizations they have started using AWS services into their routine. By accommodating AWS in their standard process, a lot of employees are needed to be trained. Thus creating a lot of demand for this new skill. A lot of opportunities are available for individuals in the organizations. So it is in the best interest to start developing or learning skills which are very useful for AWS implementation.
So the organizations end up using the resources that are actually needed and end up paying for the used resources only. So low infrastructure cost for them in total.
Related Article: Brief Introduction To Amazon Web Services (AWS)
According to the Gartner's report, Amazon's AWS service is considered to be one of the top companies which offer value-added service to their uses. Compared to the Azure and Google Cloud computing platforms, AWS is offering a lot more than just cloud computing services.
It doesn't matter, whether you are a database administrator or web developers or Internet of Things developer or Artificial Intelligence Developer ( the list goes on and on), everything is possible with AWS as their services are expanding on day to day basis. This means that everyone has something to learn from this. As they are offering a lot of other unique services where using it will lead to Innovations.
Unlike other computing platforms, it requires extensive training and dedicated time from the users to get certified. That's not the case with Amazon Web services, they offer a more practical way of offering certifications where the users don't have to go through an extensive learning curve and doesn't need to quit their job to get certified. This doesn't mean that it is very easy to get certified but it is not that hard as it is compared to its competitors.
The certification has three tiers:
Associate Tier:
In this tier, the individual can go through the following certifications:
Professional Tier:
This tier is for individuals where they can project their skills in the market and grab next big opportunity:
Speciality Tier:
This tier is for individuals and professionals where they can give their support to the market and also involve themselves in modeling an innovative product:
The best way to get used to the AWS terminology is to go through Certified Solution Architect Associate. By going through this certification, the individual will be able to understand all the basics of the AWS ecosystem and also understand more deeply about their core services.
With the DevOps came into the picture, the teams have been started implementing the new processes for production deployments and made it a mandatory standard to follow.
This helps the development teams to unit test their modules on the fly and also with the continuous integration the teams will be able to evaluate the overall solution at once. This helps the testing cycle to go through with efficiency and also gets a quality product as an output.
Using the AWS services, the teams can monitor, function, regulate the processes easily and efficiently. It is definitely an added value for the individuals to get certified in this aspect by going through Sysops Associate Certificate. This will help you to be aware of the necessary knowledge on DevOps implementation. Doing this will help you get the required promotion and also an expected salary package.
If you are looking for your next dream job or expecting a six-figure salary then going through AWS way is definitely a worth exploring option. It adds value to your profile and also companies with these unique set of skills are appreciated and given a high-level opportunity within the organizations to implement complex applications.
Some of the best certifications that an individual can go through are:
The salary is also dependant on external factors like an area where you are going to be working, the number of years experiences you are offering to the company, skills and last but not the least is the work potential.
Having these unique set of qualifications and also certifications will help you get all the deals you need in your career.
The AWS has a lot of offer and one can get enough of this platform. They offer two types of cloud computing, i.e.
With the use of Amazon Workspaces ( Desktop computing service) enterprise applications can be built with low infrastructure costs. All the day to day services like emails can be done with the use of Amazon WorkMail ( i.e. nothing but an email service)
It doesn't matter what are your application needs are, AWS offers a wide range of databases which satisfy and be a fit for your application requirements. With Amazon RDS, i.e. Relational Database Service, we will be able to use the regular database engines.
So getting certified on these platforms will make you stand out from the crowd and grabs the recruiter attention if you are applying for any new jobs. This will help you to fetch good salary packages and also elevates your profile.
The AWS offers a wide range of analytics service and platforms where you will be able to explore the data completely in a different way. Using these services you will be able to work on data warehousing, business intelligence, batch processing and machine learning etc. These services are extremely flexible and very simple to use so that the data can be put to work quickly and easily.
So it is a boon for individuals who are into database warehousing, experts in ETL process. Getting yourself exposure towards your AWS analytics will definitely help you to understand all the basics that one needs and makes you competent.
Some of the unique offerings where the individuals can concentrate on are:
We all know that IOT is the next big thing that has happened in the current years. They are a lot of practical uses where the world is concentrating on. AWS IOT offers a unique platform where all the devices can be connected to the cloud in no time. The services offered by AWS support HTTP, Websockets, MQTT and lightweight communication protocols.
So if you are building up IOT applications then you are on the right track where the future is driven. Getting to know more about AWS IOT services will help you be in a better place.
With the help of AWS service, we can develop mobile applications as well where the scalability is not at all an issue. Mobile app features that are must and should have in the app are like user authentication, data storage, content delivery, backend logic, analytics all go hand in hand using the AWS services.
Some of the services that are worth mentioning here are:
Based on your interest or your profile that you are currently working, AWS has to offer something or the other. By going through their services in detailed and getting necessary certifications will definitely help you to get the dream job and the necessary salary.
Get ready to work with the next generation of cloud computing environments where everything is achievable.
AWS has to something to offer for all the professionals who are into the following streams:
So understanding your stream of the area and going through their certifications will help you achieve the next career move.
Frequently asked AWS Interview Questions & Answers
Free Demo for Corporate & Online Trainings.


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Cash Loans Australia
At Jacaranda Finance, we love giving back, the chance to offer every Aussie a fair go at little bit of magic. That's why when you apply for a loan, we look at more than just your credit score, we look at what else we can do to give you the best loan offer we are able to provide. That's why we are offering you the chance to win BIG!
Sometimes life throws you a few curveballs. Sometimes you'll be able to catch them, other times it simply won't be possible. Hey, we're not all jugglers. So, what are we meant to do when things happen out of the blue? Here at Jacaranda, we may have the answer: cash loans. Jacaranda could even provide loans for people with poor credit!
For most of us, it's not always possible to be prepared for the unexpected That's what Jacaranda is here for. We offer can speedy loans when you need cash fast – and we mean bloody fast.
Quick loans: faster than the speed of light
Jacaranda isn't only here for emergencies. While we can help you through the tough times, it's not the only thing we can help with. If you'd like to reward yourself with a luxury but aren't willing to wait, we can help you with that too! Perhaps you've worked hard, and feel you deserve a well-earned getaway escape? Maybe, you'd love to reward yourself with a luxurious mattress and bedspread. Jacaranda is here to help you in these situations, too! So, if you think this sounds good, read on and we'll tell you more about Jacaranda Finance.
Customers can apply for three types of personal loans – small personal loans, and medium and large secured personal loans. We offer smaller unsecured loans that don't require a security deposit. Our medium and large loans, however, do require a deposit. Customers can use a variety of assets as security against their loan. They can use their vehicle, motorbike, boat or caravan.
What are cash loans?
Jacaranda Finance offers small personal loans up to $2,000. Customers can apply to borrow between $300 – $2,000, without putting up any security against the loan. Customers can also borrow up to $10,000, with our secured personal loans. For loans that are over $2,001, customers will be required to put forward either a car, motorbike, boat or caravan as security.
How long do I have to pay off my cash loans?
Small Personal Loan Repayment Period
The small personal loans we offer have 12-month loan terms. That means customers can borrow between $300 and $2,000, and repay this amount over the 12-month period.
Medium Personal Loan Term Repayment Period
Our medium (up to $4,600) and large ($5,000 – $10,000) secured personal loans can be repaid over a period of 13 to 24-months. To find out the cost of your potential loan, play around with the loan calculator above!
Is getting a cash loan a good idea?
Customers apply to borrow money for several reasons. Listed below are a few situations where a quick cash loan can be handy:
Car registration:
People borrowing cash to pay for their car registration is one of the most common reasons to apply. Somehow, we never seem to budget for it, despite knowing it needs to be paid every year. Depending on the type of car you have, it can cost between a few hundred to over a thousand dollars.
Car repairs:
If your car breaks down, or if you have an accident, it might mean you need to pay for an emergency car repair to get your vehicle back up and running again. We feel your pain!
Rental bond:
If you are planning on renting a new place, you will be required to pay a rental bond. Depending on the cost of the property that you are going to be renting, tenants can be expected to pay hundreds to thousands of dollars.
New furniture:
Perhaps you need a new bed frame, TV stand or bookcase? Whatever your furniture needs, some extra cash could be the answer.
Buying a used car:
Customers often apply to help pay for a used car. Used cars can cost people at least a few thousand dollars. Therefore, to make the purchase of your used vehicles, a used car loan can be exactly what you need.
Dental work:
Everybody knows going to the dentist can be expensive. Therefore, whether our customers are getting a filling or a full root-canal, Jacaranda can help ease the pain.
White goods:
Customers use Jacaranda's loans quite often to pay for white goods. It can be super stressful trying to figure out how to pay for expensive appliances. Jacaranda can help kit you out, whether you need a new fridge, washing machine, dryer or air conditioner.
How do I apply for cash loans?
If you're searching for emergency cash immediately, then you want a loan you can apply for in three simple steps. Our form is done 100% online and is really quick and easy to complete. We've explained how it all works just below. Keep reading, won't you!
To apply just head to our homepage. Our application form will ask you questions about the following:
- Name and date of birth;
- Contact details including phone number and email address;
- Your purpose for borrowing the loan;
- Details about your employment status;
- Info about your income.
Potential customers should look at our application form here. Clients just need to fill out the online application form, and then provide the required information. Our online form only takes a few minutes to complete. Then, click submit and wait for our response. We'll try to get back to you within an hour of applying. So, keep an eye on your phone and emails in case we need any extra info from you.
How do I know if I qualify for a personal loan?
To qualify for a cash loan, you simply need to meet a few eligibility requirements. These requirements are:
- At least 18 years of age;
- Need to an Australian citizen or permanent resident;
- Be receiving regular income over the past 90-days.
If you have been declared bankrupt or are in, or entering into, financial hardship, we, unfortunately, cannot provide you with a loan.
Even if you have bad credit we do cash loans for bad credit because we know that your credit rating isn't necessarily an accurate representation of your financial circumstances. That's why we prefer to look at your recent financial transaction to see that you can afford the loan and manage repayments.
What information do I need handy when applying?
Customers are required to provide some of the following information as a part of their application:
- The reason for your loan;
- 100 points of ID;
- Your internet banking details;
- Employment information
- Your myGov account details (if applicable);
- Your mobile phone number and email address.
How do I repay my cash loan?
Setting up your repayments is the next step once you've applied for the loan, accepted the contract and started receiving funds.
We take repayments through a direct debit of your nominated bank account. Payments can be arranged to come out of your account on a weekly, fortnightly or monthly basis. However, lining up your pay cycle with our direct debit is the most hassle-free way of making sure there's always enough money in your account.
What happens if I can't make repayments?
If you can't make a payment when it is scheduled to be made, it's important to contact us as soon as possible. This way, we can work things out in an alternative arrangement. We get that things crop up in life, and things don't go always go to plan.
Why Use Jacaranda Finance?
People choose Jacaranda Finance for a huge number of reasons, attractive loans, flexible approval and we are able to provide nearly instant money transfers into your bank after approval. However, these are just a few reasons people apply with Jacaranda finance, more people like us because our:
- Our application process is super easy and fast! – because we are 100% online, applying for cash loans with us is incredibly simple and uncomplicated. Since the application form is very easy to complete, you'll be amazed at how quick it is to apply!
- You receive your funds as soon as possible – when you accept your loan contract, we'll send your funds over the same day. Depending on when your loan was approved, as well as the policies of your bank, you should receive your money either the same day or overnight.
- We have a great customer service team – throughout the duration of your loan contract, if you ever need to contact one of customer service team members, they are happy to help. Give us a call, send us a message.
- We're upfront and transparent about all our fees – finally, one of the best things about our cash loans is that all our fees are upfront.
In a nutshell, getting loans with Jacaranda is a great option for when you need to pay for something fast. That's because our quick money loans are easy to apply for and fast to receive! No stress and no hassles. So, if you like the sound of our cash loans, they might just be the right thing for you.
Are you looking for no credit check loans or same day loans? Jacaranda has all the info you need!
Borrow From Australia's
Award-Winning Lender
Jacaranda Finance was named Champion of Financial Services at the 2019 Australian Small Business Champion Gala Dinner and Awards.


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Coca‑Cola Hellenic Armenia and Orran charitable organization have signed a Memorandum of Understanding, expanding the frames of their long-term cooperation.
Coca‑Cola Hellenic Armenia and Orran charitable organization have signed a Memorandum of Understanding, expanding the frames of their long-term cooperation. According to this new agreement, employees of Coca‑Cola Hellenic Armenia will on voluntary basis support children of Orran with afterschool programs. They will also be engaged in cultural and extracurricular activities of the charitable organization.
"We are proud to note that Coca‑Cola Hellenic Armenia is a responsible member of the Armenian society. Apart from implementing a successful business activity, contributing to the community and benefiting the socio-economic growth of the country have always been our key priorities. Our employees also act in line with our values and strive to make a difference by giving back to the communities, and we support them in their initiatives. I am sure that this new step in our cooperation with Orran will strengthen our relations and contribute to their further development", said Christoph Speck, the General Manager of Coca‑Cola Hellenic Armenia.
In the framework of the program, company's employees will volunteer their time at Orran once per week during working hours and share their expertise to support further development of life skills and other capabilities that children of Orran require.
"We are very pleased with the formalization and extension of our relationship. Coca‑Cola Hellenic Bottling Company and Orran have a history that goes back 15 years. During these years, together we have changed the lives of thousands of children for the better," said Armine Hovannisian, Founder of Orran charitable organization.
Coca‑Cola Hellenic Armenia operates in our country for already 20 years. Apart from its business activity, the Company pays special attention to corporate social responsibility projects. Along with water stewardship, community wellbeing and youth development, popular local festivities and events are in the center of the company's attention.
Orran has operated in Armenia since 2000 and has grown from welcoming 16 children to embracing more than 55 elderly and 98 children a day in Yerevan and 30 elderly and 85 children in Vanadzor. The charitable organization aims at diverting children from the streets and engaging them in academic, cultural, and extracurricular activities.


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Polar Ice Sheets Melting 3 Times Faster Than Two Decades Ago
Let there be no doubt that the poles are melting more quickly now than they have in the past: New research supported by NASA and the European Space Agency shows that the combined rate of melting of ice sheets in Greenland and Antarctica is increasing, with melting happening now at three times the rate it did in the 1990s.
Two thirds of the melting is happening in Greenland, with one third in Antarctica.Today the ice sheets are melting each year at a rate equivalent to 0.04" of sea level rise, compared to 0.01" two decades ago.
Since 1992 this ice sheet melt has contributed 0.44" to global sea level rise, or one-fifth of observed sea level rise, with the remainder coming from a combination of melting mountain glaciers, thermal expansion of the ocean as it warms, and other causes.
The researchers say the latest assessment of ice loss is more than twice as accurate as previous ones, due to the inclusion of more satellite data.


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Sploosh brauchte ein neues Logo Design und hat einen Wettbewerb auf 99designs gestartet.
Aus 56 Designs von 19 Designern wurde eine Gewinner gewählt.
Design a Logo for Punditit.com a Pligg social news site all about sports.
The Logo will be used on the website and in other promotional media. It will be one of the key pillars in what we hope will be a very successful brand
We require a Logo for http://www.Punditit.com a Pligg social bookmarking site about sports.
We want it designed to be used on our website (in the header) and other promotional Media. It should be delivered in PSD format.
We wish to make http://www.punditit.com the number one place to go on the web for sports news and interaction.
The Logo must appeal to men who love sport and love talking about it. They are likely to be between 18 and 45, well educated and reasonably wealthy for their age. They like sports news and talking about sports because it allows them to be witty and irreverent.
To appeal to these consumers the logo should have a clean, professional, masculine feel about it. Much more GQ Magazine than Nuts or Loaded Magazines.
The word would be pronounced 'pundit it' so the logo design must communicate this pronunciation.
The key test for the design is that when someone sees the Logo they should 'Get' the concept straight away.
Please ask if you have any further questions
Nothing in particular - just designs that dont meet the brief
Finden Sie heraus, wie ein Designwettbewerb funktioniert, oder lernen Sie mehr über unsere Logo-Design-Angebote.


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Refractory coeliac disease (RCD) is characterized by the persistence or recurrence of symptoms and signs of malabsorption associated with villous atrophy in patients with coeliac disease who have adhered to a strict gluten-free diet (GFD) for more than 12 months.1–3 Serology is usually negative or, in a small percentage of cases, positive at a low titre.4 Splenic hypofunction, a risk factor for RCD, can be indicated by Howell–Jolly bodies and pitted red cells in a peripheral blood smear. A reduced spleen size visible on ultrasound examination also provides direct evidence of hyposplenism.5
RCD is subdivided into two main clinical subsets—primary and secondary. Patients with primary RCD show no improvement on a GFD, whereas those with secondary RCD experience symptom relapse after a variable period of wellbeing.1–3 RCD can be also classified as type 1 and type 2 (table 1). RCD type 1 and 2 have a similar incidence (0.04% to 1.5%) and age at diagnosis (generally after the age of 50 years);6 however, they differ significantly in terms of complications, prognosis and treatment options, making correct diagnosis essential.7–13
The diagnostic approach to RCD includes assessment of dietary adherence to a GFD and revision of the initial coeliac disease diagnosis. Re-evaluation of duodenal histopathology is mandatory, with immunohistochemical characterization aimed at identifying aberrant intraepithelial lymphocytes (IELs) and TCRℽ chain clonality (regarded as pre- or low-grade lymphoma). Videocapsule endoscopy (VCE) is necessary to determine the extent of the lesions, whereas double balloon enteroscopy (DBE) can be useful for obtaining biopsy samples from distal lesions previously identified by imaging (i.e. entero-MR and entero-CT).8,9 A practical algorithm summarizing the diagnostic process for RCD type 1 and 2 is shown in figure 1.
In this article, we discuss the mistakes most frequently made in patients who have suspected RCD, based on the available evidence and our clinical experience in the field.
Figure 1 | Diagnosis of refractory coeliac disease. A practical algorithm that we developed to summarize the diagnostic process for refractory coeliac disease (RCD) type 1 and 2 compared with slow responding coeliac disease, nonresponsive coeliac disease and other nongluten-dependent enteropathies. EGDS, esophagogastroduodenal endoscopy; GFD, gluten-free diet; TCRℽ, T-cell receptor ℽ.


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Hyundai Reina 1.4 GL MT with P38,000 All-in DownpaymentIlocos Region
- Price P680,000
- Downpayment P38,000
- Monthly Get Quote
- Loan Term 60 Months
- Time Left
Deal Highlights
Includes 3-year LTO Registration
Includes 1-year Comprehensive Insurance
Includes Chattel Mortgage Fees
This offer is available at Hyundai La Union. With a price tag of P680,000 (including shipping fees), the Hyundai Reina carries the brand's signature Cascading Grille, while its rear is coupled with simpler-shaped taillights.
Inside, the Reina comes standard with a 1-DIN AM/FM radio with USB connectivity. The Reina is also treated with a 2.8-inch LCD instrument cluster where driving information is shown.
Under the hood of the Reina is a small yet mighty 1.4-liter gasoline engine that produces 94 horsepower and 132 Nm of torque. The engine is then paired to a five-speed manual transmission.
As for safety, the Reina comes with dual front airbags, as well as an anti-lock brake system (ABS).
Want to avail this promo? Make it yours by requesting a free quote and an official agent will contact you within 24 hours.
1. Standard financing rates apply. 2. Photos and artwork may vary from actual unit. 3. Loan application is subject to bank approval. 4. Shipping rates may apply 5. Prices may vary without prior notice.
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Hyundai Reina Colors
Blue Passion
Fiery Red
Glowing Silver
Oriental Brown
Polar White
Name Hyundai Reina 1.4 GL MT Body Type Sedan Price ₱663,000 Transmission Type Manual
Engine Size 1.4 L Displacement 1,368 cc Number of Cylinders 4 Number of Valves 16 Transmission Category 5-Speed Manual Transmission
Drivetrain Front-Wheel Drive Max Output (HP) 94 hp @ 6,000 rpm Max Torque (nm) 132 Nm @ 4,000 rpm Acceleration Rate n/a Top Speed n/a
Economy & Environment
Fuel Type Gasoline CO2 Emission n/a Fuel Capacity 43 L Fuel Consumption n/a Range n/a
Length 4,300 mm Width 1,705 mm Height 1,460 mm Wheelbase 2,570 mm Turning Circle n/a Ground Clearance 150 mm Wading Depth n/a Trunk Capacity n/a Max Cargo n/a Number of Doors 4 Number of Seats 5
Safety & Security
Driver's Airbag Front Passenger's Airbag Side Airbag Curtain Airbag Knee Airbag Auto Brake System Electronic Brake Distribution Anti-lock Brake System (ABS)
Anti-lock Braking System
Immobilizer Security Alarm Stability Control Electronic Door Locks Speed Sensing Door Locks ISOFIX Lane Departure Warning System Blind-Spot Detection System
Cruise Control Front Parking Sensors Rear Parking Sensors Leather Upholstery Push Start Button Wheel Size 14 in Wheels Metal Type Steel with Wheel Cap Airconditioning System Manual Air-Conditioning Entertainment System 1-DIN AM/FM Radio Connectivity n/a Navigation Ready Warranty 5 years (160,000 kms) Keyless Entry Roof Rack Sunroof Electric Adjustable Seats Power Steering Power Windows Power Outlet Steering Wheel Audio Control
Active Park Assist Hill Start Assist AWD Modes n/a Tire Pressure Monitoring Heads-up Display Power Liftgate Start-stop System
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National Highway, Madayegdeg, San Fernando City, La Union, Philippines
Find out more info, request a brochure, or request a quote by sending an inquiry below
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i'm american and it BOTHERS me that the cabinets are CocaCola printed. PLEASE dont drink that stuff. it rots your teeth and makes you sick!
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