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Rewarded to the team for the Design, Development and Implementation of Academic Modules 2012-15
The number of pageviews on our college website in March 2015.
Since we started making your lives better through the introduction of latest technologies in a archaic system.
The Web and Software Development Cell of National Institute of Technology Warangal is the brain and brawn behind all things online in the college. This is a body which acts as a central hub consisting of highly creative and dedicated workforce trying day and night to bringing the college into the workings of the digital world. This is done by modernizing an array of archaic practices into efficient and streamlined hubs based on the internet.
Our institute website.
Customised websites for various departments of our institute.
Applying for official certificates, transcripts or documents from NIT Warangal will be as easy as booking a movie ticket.
Online Semester Registration
Manage students' attendance online.
Auto calculating outcomes, program outcomes, program elective outcomes.
Online Hostel And Mess Allotment portal for making student's life easier.
Academic Feedback on faculties and various course contents by students enrolled for corresponding course.
Easy solution for the faculties to update their profiles on institute website.
In build buy and sell form for students in campus, available in student portal.
NIT Warangals official complaint and grievances system. Each grivience(Ticket) once created by a student or faculty, will be send to respective authorithies to resolve them.
NIT Warangals official PLacement portal for students, TNP coordinators and companies. Students and keep track of the selectoin process and upcoming companies with the respective skill set required by them.
GitLab offers git repository management, code reviews, issue tracking, activity feeds and wiki's.
Google Analytics is a service offered by Google that generates detailed statistics about a website's traffic and traffic sources and measures conversions and sales
Asana is a web and mobile application designed to enable teamwork without email.
For contributing to any of the above projects mail us your resume and project you are interested in.


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Hi, This is a QA Review comment for "Window Object 1.0" http://www.w3.org/TR/2006/WD-Window-20060407/ Fri, 07 Apr 2006 17:19:28 GMT First WD * URL -> URI -> IRI Yes I would encourage to check twice which RFC you will reference at least RFC 3986 http://www.ietf.org/rfc/rfc3986.txt if not RFC 3987 http://www.ietf.org/rfc/rfc3987.txt With the internationalization debate about DNS and IRI these days, It might be useful to synchronize and ask reviews from I18N at W3C. [[[ The value of the href attribute MUST be the absolute URI reference [RFC2396] use newer URI RFC? ]]] -- Window Object 1.0 http://www.w3.org/TR/2006/WD-Window-20060407/#location-attributes Fri, 07 Apr 2006 17:19:28 GMT -- Karl Dubost - http://www.w3.org/People/karl/ W3C Conformance Manager, QA Activity Lead QA Weblog - http://www.w3.org/QA/ *** Be Strict To Be Cool ***Received on Friday, 14 April 2006 03:45:58 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 6 January 2015 21:16:21 UTC

subset: commoncrawl


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Price: $131.62
Quantity: 139 available
More Description
For over twenty years the abortion debate has raged, with each side entrenched in unyielding positions. This book breaks the impasse by using pro-life premises to reach pro-choice conclusions. While it is commonly assumed that state protection of the fetus as a form of human life undermines women's reproductive rights, McDonagh instead illuminates how it is exactly such state protection of the fetus that strengthens, rather than weakens, not only women's right to an abortion, but even more significantly, women's ability to call on the state for abortion funding. McDonagh's approach, by bridging the divide between pro-life and pro-choice advocates, revolutionizes the abortion debate in a way that opens up a whole new avenue for resolving the abortion conflict and advancing women's rights.
McDonagh reframes the abortion debate by locating the missing piece of the puzzle: the fetus as the cause of pregnancy. After exposing the myths on this subject, her exacting analysis presents the scientific and legal evidence that the ultimate source of pregnancy is the fetus. The central issue then becomes what the fetus, as an active agent, does to a woman's body during pregnancy, whether that pregnancy is wanted or not. McDonagh graphically describes the massive changes produced by the fetus when it takes over a woman's body. As such, pregnancy is best depicted not as a condition that women have a right to choose but rather as a condition to which they must have a right to consent.
Abortion, therefore, does not rest on the intensely debated principle, stated in Roe, that women have a right to be free from state interference when choosing privately what to do with their own bodies. Instead, as McDonagh's book explains, abortion rights flow inevitably from women's more established right to consent to what another agent does to their body. Specifically, women have a right to resist an unwanted intrusion by a fetus as well as to receive help from the state to stop such an intrusion.
Moving abortion rights from choice to consent has broad legal and cultural ramifications tapping into the very cornerstone of the American political system: consent. McDonagh unravels the consequences of extending to pregnant women the same guarantees of bodily integrity and liberty possessed by others in our society. Specifically, she shows why a woman who does not consent to be made pregnant by a fetus, not only has a right to terminate pregnancy, but why the state violates constitutional due process and equal protection guarantees when it fails to provide her with the same protections against nonconsensual intrusions by a fetus as it provides against nonconsensual intrusions by other parties. This book pivotally strengthens, therefore, not only women's right to abortion but also abortion funding. By providing new grounds both for the public funding of abortion and for the removal of government restrictions on abortions, it lays the foundation for enhancing women's rights through major policy changes in legislatures and courts.
Title: Breaking the Abortion Deadlock: From Choice to Consent
Categories: Health Care Issues,
Publisher: Oxford University Press:
ISBN Number: 0195091426
ISBN Number 13: 9780195091427
Binding: PAPERBACK
Book Condition: New
Category: 1.00 Item
Seller ID: ING9780195091427
Description: 0195091426 Special order direct from the distributor


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"You've got courage, humor, compassion, and action in this graphic novel – qualities you always want to find in books with the Hardy Boys or Nancy Drew." — HARDY AND DREW MYSTERIES
"Joe's and Frank's personalities shine as they push aside the danger to themselves, working together to rescue Jackpot. The thrilling action and well-placed humor is so enjoyable!" — HARDY AND DREW MYSTERIES
"An exceptional piece of work. . . . Henrique's clean easy style made the books both thrilling and fun to read, giving the comic a thoroughly modern-look." — EXAMINER
"This is not your grandparents' Hardy Boys!" — GRAPHIC NOVEL REPORTER


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Pakistan on Wednesday lodged a formal protest with the United Nations Military Observer Mission between India and Pakistan over recent unjustifiable violations of the ceasefire and targeting civilians by Indian troops along the Line of Control between the two countries.
The Pakistani General Geo Channel said in its statement in English that the General Command of the Pakistani armed forces brought the personnel of the International Monitoring Mission to the headquarters of the command, informing them of their protest over violations by the Indian forces of the cease-fire and targeting civilians during the tenth, thirteenth and sixteenth of May.
The General Command of the Pakistani forces also told the International Observer Mission (IOM) personnel that the cease-fire violations by the Indian forces resulted in the death of one civilian and the wounding of 15 others, including women and children


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Oh, and remember how I said The Red Jumpsuit Apparatus photo was my first Explore...it wasn't I just didn't know at the time. It was my second.
This was the first:
Mimi and Doodlebug walking around Little Rock on Mimi's birthday.
If you have a Flickr and want to see if any of your photos have made it to Explore just go to this site
So, remember the sock monkey? Well I decided I was going to start using it as a photo prop, since Doodlebug buried it at the bottom of her toy box and it had been there for year
I had it sitting on my bed in plain sight and she walks in my room and screams "MY SOCK MONKEY!" like she actually loved the thing.
Damn...there goes my photo prop. I've always wanted a sock monkey but they can be a little expensive for a doll so I've never bought one. To be honest I was happy she hated the thing (apparently not anymore) because that meant I got a free sock monkey.
I meant to kind of hide it because I figured she would steal him from me; but she came home an hour earlier than she was supposed to and I hadn't had the chance yet.
Anyway I've decided to buy this one:
(This is not my photo...got it from Google)
Her name is La La (That's what Doodlebug calls me) and she's purple (mine and Doodlebug's favorite color.)
So, basically, I have to get her, it's like she is begging to be owned by me.


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Because I think there is beauty all around us, I am going to try to post something every day that I think is beautiful. I hope you agree with my choices. Today, I'm being a bit self-laudatory and posting a fragment of a small oil painting I did. My friend Linda calls it my "best rose ever"; she has seen my early endeavors so she has something to compare this one with. To put it mildly, the first ones I did were bad . I started painting simply because I wanted to paint roses and quickly found that painting roses in oil is very difficult. But, this winter, I will continue trying. I do not particularly like the other elements of this painting, so you won't get to see the whole picture, but enjoy the pretty pink rose. "But only God can make a (real) rose?"
Wednesday, August 22, 2007
Posted by THAT'S BEAUTIFUL at 5:34 PM
Labels: oil painting, roses
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Riders of Glendale's Beeline shuttle bus will be able to board Southern California Rapid Transit District buses with a 10-cent transfer under a proposed agreement that Glendale officials hope will increase use of the shuttle.
The agreement between the City of Glendale and the RTD is expected to become final later this month or in early September. It will allow Beeline and RTD passengers to buy transfers good for a one-way trip on the other line.
Save Up to 75 Cents
Beeline passengers now pay 25 cents a ride on the downtown shuttle and RTD passengers pay a basic fare of 85 cents. The transfer agreement could mean a savings of 75 cents for Beeline users who ride the RTD and 15 cents for RTD passengers who transfer to the local shuttle. The RTD will supply the paper transfer slips free to the city.
Councilman John Day, an RTD director and chief proponent of the exchange, said the agreement was drawn up by the RTD and is typical of those the transit district has with bus lines in other cities. "I think it will help ridership both ways," Day said.


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Once upon a time a Viennese woman was in great need. One evening she decided to go with her child to the magical source known as Agnesbründl near a glade called the Jägerwiese deep in the forests of Vienna.
Agnes was a legendary fairy of the woods. She lived in a subterranean palace and was known as a generous helper when one was in financial need. And people knew that the best time to visit this magic place and to meet Agnes was around midnight.
Mother and child lay down near the wondrous source and while the woman hoped that Agnes would appear her child fell into sleep.
Suddenly the woman saw a tall man on a huge white horse coming out of the woods. The animal shone as bright as the sun, so that it was as light as day at that moment.
Without a sound the horseman galloped down the meadow. When he saw the woman and her child he stopped his horse and asked,"What are you looking for?"
Startled she replied, "Just wood."
He moved his hand to show her some pieces of wood, "Take that one with you. It's much better than any other wood you can find here!"
The woman followed his advice, but she took just a few pieces, because she noticed that it was almost rotten.
While she bent down to pick the wood the mysterious rider disappeared.
Quickly the woman took her child and hurried back home.
The next morning she wanted to take the pieces of wood out of her bag but when she looked at it she saw that it was pure gold.
Immediately she ran back to the place where she met the ghost rider but not even one single piece of the magical wood was there anymore.
Copyright © 2011 Ingrid Prohaska
Special thanks to JRD Skinner and the Flash Pulp Crew for putting the legend on their 'FlashCast 30 - Agnesbründl' !


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YSL Photonics' FemtoYL-100: high power femotosecond fiber laser
YSL Photonics' announce the release of the FemtoYL™-100, their latest high power femotosecond fiber laser. Capable of delivering a 500fs pulse width with100uJ pulse energy, it is an ideal laser for micromachining and related applications.
- Sapphire Dicing and Drilling
- Lion Ion Battery Foil Cutting
- Glass Dicing and Drilling
- Silicon Dicing and Drilling
- Metal Marking
- FPC Cutting
- Nonlinear optics
- SiC Dicing and Drilling
- Average Power 100W
- Pulse Duration 300fs-6ps adjustable
- Peak Power 500MW
- Repetition Rate 25-5000kHz
- Pulse Energy 200uJ
- Burst Mode Function
- 515nm&343nm output as option
Download datasheet here.


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BURBANK, Calif. -- Actor and television host Alan Thicke has died at 69, according to TMZ.
The site reported that Thicke suffered a heart attack Tuesday afternoon while playing hockey with his 19-year-old son. Thicke was rushed to St. Joseph's Medical Center in Burbank, California, where he was pronounced dead.
The Los Angeles Times is also reporting Thicke's death.
Thicke, the father of singing star Robin Thicke, was best known for his role in the '80s sitcom "Growing Pains" as Jason Seaver.
The Canadian-born actor is survived by his three sons and wife, Tanya.
34.180839 -118.308966


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Looking back at my final major project I, personally, feel like I have accomplished a good quality of work and research. As this has been a subject that I have always been interested in and not worked with in a while I have enjoyed going back and looking into family photography and being able to focus my photography around Joe has really encouraged me to see what I like most about photography.
I have discovered many new practitioners that work within family photography which has given me a chance to look at and see how others see family photography, the artists that I have researched have really helped in the development of my project because I was able to see what aspects of family photography that I like and that I don't like.
I have been really happy with feedback through out the project, mainly on how to present my work in the exhibition because my initial ideas of presentation were good but I am happy that I have been able to show a large quantity of my work. I had a lot of images of Joe from this project and was finding it really difficult having to edit them down and pick 6/8 images but the ideas I got from feedback gave me the opportunity to showcase a lot more of my images therefore I didn't have to pick and choose between my favorite images.
There wasn't too many problems that occurred during my project, my main difficulty was the mounting. I found it hard getting the measurements correct and figuring out how much space/how many images I was going to be able to use. With a little help and focus in the end I was able to work out the best way for my images to be presented and the mounting became a lot easier. I was also struggling on how the final piece would look when it wasn't on the wall as I feel that it won't be a completed piece until it is mounted and screwed to the wall, but when laid out on the floor with all components together I was able to see how it will potentially look and I am really happy with the final piece.
I feel this project could easily continue in the future and it is definitly something I would like to carry on with. Joe has been a big focus within my photography and I hope in the future I can do similar projects like this which will show a progress of not only my photography work but also show the progression and development of Joe, which I feel will be a really interesting aspect for both myself and Joe to look back on.
I have thoroughly enjoyed working on this project and really feel like I have come along way with it. I hope that my project is appreciated at the exhibition and that people take an interest in my work and also an interest in Joe.


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10 Things to do in Cyprus
When we first decided to go on vacation in Cyprus in 2011 we didn't know much about it other than that it is close to home (the flight from Israel takes 45 minutes tops) and that it has beaches. We stayed in a seaside resort on the East Coast close to Ayia Napa, and divided our time between the beach, the pool, the coffee shops and the beachwear kiosks. Fun holiday, especially since our girl was very little at the time, but really only one of many aspects the mediterranean island state has to offer. If you're more of the 'explorer' type like me and want to make most of your stay, I recommend you choose an accommodation around Lemesos or even further to the West and rent a car to comfortably travel all over the place. Yes, driving on the left side of the road takes a bit of getting used to, but according to our experience, the Cypriots tend to be patient with tourists and traffic isn't usually very heavy anyway.
So without further ado, here's my shortlist of things to do in Cyprus. The best part is: Even if you don't manage to squeeze them all in one trip, you can always come back for more :)
1. Stay in a village instead of hotel
When choosing this year's accommodation we didn't really know that not staying in a hotel is a 'Thing' but apparently it is. In Cyprus the locals call it Agrotourism and it's supposed to be a more authentic, sustainable option than your typical seaside resort. My husband was looking for a change from the full-service-scheduled-meals-pool-and-sunburn-routine so the Village Houses in Skarinou sounded like a good option. Well, it turned out to be the best choice we could've made and after this relaxed, simple and slow-paced experience we won't be able to do hotels ever again, I'm afraid. Having said that, there are plenty of good and reasonable hotel options and package deals if that's your preference. BookCyprus.com is a good place to start looking.
Skarinou is around 30 minutes from Larnaca or Lemesos.
2. Hike on a nature trail, Troodos
High up in the mountains, in a surprisingly dense and leafy forest as mediterranean forests go, starts an enchanted nature trail following a cool mountain stream down to one of the biggest water falls of Cyprus. You can either park at the bottom of the trail at the trout farm Psilo Dendro and just hike up to visit the Caledonia Fall for pictures. Or park at the top and hike the whole trail down to the village of Platres (around 3km) where you can catch a taxi back up to collect your car. That's the preferred option if you're not looking for a big challenge or have young kids with you as the trail is downhill all the way and you'll cross the stream plenty of times via little wood bridges and strewn rocks which is a lot of fun. There is also a bus once a day from Platres that takes up hikers to the beginning of the trail, ask at the Tourist Information for details. If you're hiking early in the year don't forget to take a sweater or jacket, the mountain air is quite chilly and the water freezing. Also look out for butterflies and wild flowers, Cyprus is beautiful in the spring.
Platres is around 50 minutes by car from Lemesos, the trail starts 8km up the road to Troodos, follow the signs.
(Hiking is also great in the Akamas. Have a look at some of my pictures from the Aphrodite trail we walked last year here)
3. Wine Museum and Tasting
The Wine Museum in Erimi, just outside of Lemesos, is well worth a visit if you're interested in wine and the history of wine making in Cyprus. Who knew that Cyprus wine was considered one of the best in Europe in the Middle Ages? The museum is not big but nicely laid out and well maintained. We were lucky to be the only guests, so Maria the local ticketing lady and guide took a lot of time to explain and chat with us. There are different entry fees depending on whether you want to only see the museum or combine the tour with a wine tasting of the special museum wines which is also done in a tasteful and professional way. We had more sightseeing planned on that day otherwise we might have stayed for a coffee or two in the shady museum courtyard - time well spent and lovely experience overall!
For the full wine experience hop on the Cyprus Wine Route passing through Erimi and follow it into the hills and through the villages below Troodos. There are plenty of Boutique wineries that offer tastings.
4. Pay a visit to the monks
If you prefer a place without gender restrictions there are plenty of other options in Cyprus - we were impressed by Ayios Neophytos, an ancient monastery hewn into the rock by a hermit monk in the 12th century.
Stavrovouni is around 45 minutes from Larnaca or Lemesos
Ayios Neophytos is around 20 minutes from Paphos
5. The Old, the Sea and the Fancy
Lemesos (Limassol) has come a long way since I first visited almost 13 years ago. What used to be a sleepy industrial harbour city with an old town centre has been done up into a sophisticated tourist magnet and makes for a cool day trip location:
Drop your car somewhere close to the medieval castle - there are metered parking spots alongside the main roads or use one of the car parks. Walk into the pedestrian zone around the castle and step in for a visit. It doesn't take long but is a nice glimpse into the history of Cyprus. Also, the view over Lemesos is pretty cool and there are a couple of 'secret' walkways children will enjoy.
Afterwards, stroll through the narrow streets, grab an ice cream and do some window shopping. Make your way to the promenade and onto one of the wooden piers to admire the ocean giants anchored out on the sea. Turn right and continue towards the new marina where you will feel like in Disneyland. It's renovated and done up so nicely it doesn't seem 'real' anymore and looking at the bright white buildings almost hurts on a sunny day. Fancy as it may be, you can still find original fishing boats alongside expensive yachts in the marina and the occasional fisherman. This is a great place to grab lunch. If you can agree on a restaurant that is: There's such a variety of international and local restaurants that it's not easy to choose and it might take a while until everyone is happy. If you care for a more authentic experience you could also just walk back to the old city and eat in one of the taverns there.
Lemesos is around 45-50 minutes from Larnaca or Paphos.
(For more of my Lemesos pictures click here)
6. Stroll through a picturesque mountain village
Driving into the mountains upcountry makes for rewarding green mountain views in the spring. Plenty of small villages are nestled into the lush hills around Troodos (many with wineries, see #3) and invite for a stroll through narrow alleys and side streets. The most beautiful ones are done up to accommodate tourists obviously, but it didn't bother me that much when visiting Omodos as I could still feel and easily imagine the underlying original character of the village. We spent a pleasant couple of hours there, even though initially we only thought of stopping there en route to Laneia supposedly the "most photogenic" village of them all (according to Lonely Planet). Maybe one of you could visit Laneia for me and let me know if it truly is that beautiful?
Closer to Larnaca is Lefkara, a village famous for its original needlecraft art. We visited years ago and I don't really remember much other than the multitude of little craft shops at every corner.
Omodos and Laneia are around 30 minutes from Lemesos.
Lefkara is around 40 minutes from Larnaca or Lemesos.
7. Tombs of the Kings, Paphos
Actually, no real kings were ever buried in the ancient tombs of Paphos. However, the grave chambers in the necropolis which, due to its magnitude has become a UNESCO World Heritage Site, are so magnificent that they would have been fit for royal burials. You can easily spend half a day or more walking between the different tombs and grave chambers taking your time to explore all the morbid crawl spaces and just enjoy the flowers, fresh sea breeze and lush greenery in this gigantic 'archeologic fun park'.
Paphos and the Tombs of the Kings are around 50 minutes from Lemesos.
(More of my pictures from the tombs can be found here)
8. Take a selfie with a baby donkey
There are lots of donkey farms in Cyprus but not all of them are equally well looked after. The Golden Donkey Farm in Skarinou is, so if you're in the area, especially with kids, plan a visit. They take a small admission fee which is very reasonable for what you get: the place is huge with over 100 friendly donkeys and other farm animals to watch, pet and feed (riding is possible at an extra cost). When we went they had adorable baby donkeys ♡
The farm shop sells their own produce like olive oil and donkey milk products (soap, chocolate, cosmetics) which make for more unique souvenirs and gifts than the standard tourist fare.
In the evenings the farm hosts events so you might want to inquire beforehand if they have something going on that interests you.
Golden Donkey Farm is in Skarinou around 30 minutes from Larnaca or Lemesos.
9. Traditional Meze in a Taverna
A Meze is a famous traditional meal in Cyprus where you get served tables full of an amazing variety of small dishes. Naturally, you'll want to taste and sample all of them until in the end you realise you can hardly pull yourself out of your chair anymore.
10. Go to the beach!
(Even if you're like me and don't care much for beaches).
After all, Cyprus is surrounded by water and boasts excellent water quality at all its beaches.
One of the most famous stretches is the supposed birthplace of Aphrodite - Petra tou Romiou - which with its impressive rock formation makes for a great photo location especially before sunset. It's a rough pebble beach that can get a bit crowded because all the tour groups stop there for pictures.
Much less frequented (and that's an understatement) is Lara Bay way up in the Akamas nature reserve North of Paphos that can only be reached by dirt road. Rough and wild, it is a hatching place for sea turtles and a very rewarding location if you're up for the adventure to navigate bumps and potholes to get there.
Petra tou Romiou is around 30 minutes from Lemesos or Paphos
Lara Beach is around an hour's drive from Paphos. Consider a 4x4 drive if you plan to explore the Akamas, it's worth it!
Fig Tree Bay is 50 minutes from Larnaca and 20 minutes from Ayia Napa
Have you been to Cyprus? What is your favourite spot?
dieser Artikel erscheint auf Englisch, weil sich nach mehreren Zypernurlauben bei meinen Freunden und Bekannten im Internet und Reallife die Anfragen nach diesem schönen Urlaubsland häufen. Die meisten dieser Leute können leider kein Deutsch, weswegen ich entschieden habe, diesen Artikel ausnahmsweise auf Englisch zu veröffentlichen. Als Referenz sozusagen, falls mal wieder einer nach Zypern fragt. Ich habe länger überlegt, ob ich ihn zweisprachig anbiete, mich dann aber dagegen entschieden, weil er dadurch sehr unübersichtlich und lang geworden wäre.
Vielen Dank für euer Verständnis und herzliche Grüße,


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Read this: BBC HD: Picture Quality and Dolby Research
Summary: Only last week hobwell spotted the 5.1/2.0 switching had stopped some time during the evening. I hadn't watched the stereo programme concerned and I didn't see the comment until 1830 the following day but I watched the channel start and as I knew the first programme was stereo I was on the phone to the duty engineers in a few minutes. We had the problem fixed, put out an on air apology very quickly and I posted some comments in Danielle's DOG Blog - bbc.co.ukRead full article: BBC HD: Picture Quality and Dolby Resear…
Lots more recommendations to read at Trends - ukfree.tv.
Summaries are done by Clipped-Your articles and documents summarized.
CommentsYour comment please


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Monthly Archives: October 2015
What Gets Us There
Preface – Today while sitting in the Denver airport I started people watching, imagining all the stories contained in the vast terminal. Lovers saying goodbye . . . soldiers being deployed . . . families heading off on vacation . … Continue reading
Filed under Adoption, Conversations, Stories and More


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Moody's Investors Service may cut the credit grades of several UK banks Thursday as part of a pre-announced overhaul of its European financial sector ratings process, according to media reports.
Sky News reported earlier today that Moody's will release the final tally of its ratings changes after stock markets close, citing sources close to the decision. A previous statement from Moody's in February, when the overhaul was first announced, indicated several UK banks, including HSBC, Barclays and state-controlled lenders Lloyds Banking Group and RBS were under review.
A concurrent review, also announced in February, has Moody's considering lowering the credit ratings of 17 global investment banks, including HSBC, Barclays and RBS.
"Capital markets firms are confronting evolving challenges, such as more fragile funding conditions, wider credit spreads, increased regulatory burdens and more difficult operating conditions. These difficulties, together with inherent vulnerabilities such as confidence-sensitivity, interconnectedness, and opacity of risk, have diminished the longer term profitability and growth prospects of these firms," Moody's said.
No decision as to the timing of the changes has been taken.
Conflicting reports from other media outlets suggest the Moody's decision, if it comes today, will likely afftect the UK banks with global capital markets operations and not those with a domestic focus. Moody's was not able to comment on either report when contacted by the IBTimes UK.
The 114-bank review has seen Moody's make ratings changes in Germany, France, Spain, the Netherlands, Italy, Cyprus and Denmark over the past two months, with varying degrees of market reaction.
Overall, the broadest measure of European banking share performance, the Euro STOXX Bank Index, has risen 8.05 percent since 1 June but is down 13.7 percent since the changes were first flagged by Moody's on 15 February.
Britain's banks were told last week that they needed to prepare to split their retail and investment divisions in order to give savers more protection and to hold more capital against bad bets as part of a far-reaching overhaul of the country's financial system.
Chancellor George Osborne's "White Paper" was drafted as part of a consultation process with the Independent Commission on Banking, a group appointed by the Treasury and led by former Bank of England Chief Economist John Vickers.
"We've got to stop problems here in the City of London from spilling onto our high streets and putting taxpayers' money at risk," the Chancellor said in remarks released before his Mansion House speech this evening.
The separation or so-called "ring-fencing" of retail banking from the more risky investment banking - with separate boards for each - has been long assumed by the banking lobby. It's expected that as much as a third of UK bank assets - around £2.3tn - will be included in the ring-fencing.
However, the Vickers report also sought tougher rules on how much capital banks needed to hold in reserve to protect against potential losses on loans or other bets in the market.
The White Paper published last week, takes most of Vickers' recommendations and calls for a 17 percent capital buffer - the sternest of any country in the world apart from Switzerland. Government estimates suggest the rules, which won't apply until 2019 at the earliest, will cost the industry as much as £7bn a year. Banks with larger international operations that don't put Britain's financial system at risk, such as HSBC, will be exempt from portions of the new capital rules.
Banks will likely need an extra £19bn to meet compliance, the government said, and it the legislation will be in place by 2015.
Britain was forced to spend or commit more than £1tn to rescue its banking sector at the peak of the credit crisis in 2008 and saw the collapse of one of its banks, Northern Rock, and the sale of another HBOS, to rival Lloyds Banking Group. It still holds an 82 percent stake in RBS and a 40 percent holding in Lloyds.


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Lithium-ion batteries are widely considered to be the 'next big thing' in electric vehicle power systems, but their storage capacity is still a cause for concern. That could be about to change though as California-based Envia Systems announced this week that they've broken the world record for energy density in a rechargeable lithium-ion cell. Their automotive-grade battery reportedly has a density of 400 Watt-hours/kilogram (Wh/kg) – that's two to three times higher than the batteries that are currently available. Best of all, Envia believes that their breakthrough could halve the current price of lithium-ion batteries, making the technology more accessible.
Envia Systems' battery testing was conducted by the Electrical Power Systems Department at the Naval Surface Warfare Center in Crane, Indiana and was sponsored by ARPA-E (Advanced Research Projects Agency – ENERGY), a division of the U.S. Department of Energy. According to Envia's press release, the battery "demonstrated energy density between 378-418 Wh/kg for rates between C/3 to C/10 for a 45 Amp-hour (C/3) cell", but the question on everyone's lips is how has Envia achieved this breakthrough?
For the rather complex answer, we'll pass you over to Dr. Sujeet Kumar, Envia Systems co-founder, president & CTO: "Since the inception of Envia, our product team has worked tirelessly and logged over 25 million test channel hours to optimally develop each of the active components of the battery: Envia's proprietary SiC anode, HCMR cathode and EHV electrolyte. Rather than just a proof-of-concept of energy density, I am pleased that our team was successful in actually delivering 400 Wh/kg automotive grade 45 Ah lithium-ion rechargeable cells." So there you go, the secret to the battery's high energy density lies in Envia's proprietary cathode, anode and electrolyte materials.
"Envia's new battery technology represents exactly the kind of innovation and breakthroughs that ARPA-E is looking for from the American research and development community," said ARPA-E Director Arun Majumdar. "We hope that this low cost and high density battery technology enables wide spread adoption of electric vehicles across the country and around the world.
via Gizmag


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I have a lot of interests. I have interest ADD. I'm cursed by wanting to consume and be involved in almost every single thing that humanity has been able to dream up or learn. Except ribbon dancing, don't ask, I had a bad experience once. But other than that you name it and I'll take a crack at it, or at least read a few articles and books about it. I always cover the basses just in case my life ever depends on knowing the Latin origin of the word lucubration, or that the green tea in sushi shops is called 粉茶 (konacha- literally powdered tea), or that salt water crocodiles have a bite force of 3,700 psi. You just never know, so I play it safe. My newest interest, and I'm truly smitten, is Disc Golf. For those who aren't familiar with Disc Golf, "go Google it, what the hell do I look like." Sorry about that. For those who aren't familiar with Disc Golf I'll give a brief explanation.
My brief explanation – "Its golf with a Frisbee instead of a ball and clubs, it is awesome."
If you need a more proper explanation you can go here. (http://www.pdga.com/introduction)
I was first introduced to the brilliance of Disc Golf on a sunny afternoon in early September. My cousin and I have been going to Tyler State park for years and he always raved about this strange game called Disc Golf. It wasn't until this year that I got my first taste of the game. Although at first it looks, sounds, and pretty much is a hippie-tree-hugging-granola-munching-activity, it's as addicting and fun as "insert abusive substance." In actuality Disc Golf is for anyone who loves a challenging game and being in "The Great Out Doors." Depending on where you play you'll experience a mix of woodsy forest and open fields. Some places are simply normal golf courses re-purposed with Disc Golf holes. However, in my opinion the best courses are those that utilize the parks natural elements to make a unique and challenging Disc Golf experience.
No matter where you play you'll surely notice the price, or lack there of, of Disc Golf. Most courses are free or take $1 donation. Other than the original investment in a $10-$15 disc there are pretty much zero costs involved with the game. Unless your like me and bring a schoolbag filled with a WaWa's worth of snacks. Yayy trail-mix, Yayy pumpkin seeds.
Currently I've only had a chance to play the 27 hole Tyler State Park Disc Golf Course. Luckily for those in the area this course is nationally recognized as one of the best in the country.(Directions below.) For those closer to the city there is another course located in East Fairmount Park. "The 27 hole Sedgley Woods Disc Golf Course, established in 1977, is the second oldest disc golf course in the Country. It resides in East Fairmount Park at 33rd and Oxford Streets. Doubles league are held every Thursday year-round. Sedgley Woods is open to the public and there are no fees." (taken from Fairmount park website)
Disc Golf in Japan
So were does Japan come in? Well anytime I get one of these new hobbies/interests I immediately see if it has an existence in good old Japan. Thanks to the internet, it pretty much always does. One reason I do this is it allows me to read, watch, and learn about this new interest in Japanese. Always a plus when trying to improve the nonnative tongue. Another reason is it's a great way to meet people and build cultural connections through a shared interest. As I'm fairly new to Disc Golf I haven't had a chance to spread the love. However, maybe this post will do the trick.
From my research I've found that these are some of the major courses in the Greater Tokyo area. However, there are courses located through out Japan.(see links at end of post)
In addition there is an international tournament held at Nasu Highlands, Tochigi called the Japan Open.
Some Videos of the Japan Open:
Needless to say I'd like to play in the Japan Open but I think you have to be ranked and good at Disc Golf to be invited. Having only played a handful of times I don't think I'm going to make the cut. But either way I can still enjoy the game and spread its awesomeness. Plus now I have one more interest I can share with people from around the world. Yayy ribbon dancing.! Woops did I say that out loud? I meant Yayy Disc Golf!
Tyler Course
I-95 to Exit 49, take Rte. 332 West (Newtown Bypass). At 3.2 miles it becomes Rte. 413 North, 1.7 miles more to park entrance on left. Turn in, follow road to stop sign, go right, then 1st left into parking lot. Course in woods on left. 100 Swamp Rd.
Sedgley Woods
I-95 to Exit 49, take Rte. 332 West (Newtown Bypass). At 3.2 miles it becomes Rte. 413 North, 1.7 miles more to park entrance on left. Turn in, follow road to stop sign, go right, then 1st left into parking lot. Course in woods on left. 100 Swamp Rd.
Fairmount Info
Tyler State Park Info


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Cooking and Recipe Scrapbooking Freebies (large): Thursday, 04 Oct 2018
By craftcrave On October 5, 2018 · Leave a Comment · In Cooking
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I shed a little tear when I collected Little'un from nursery today – it was her last day in the baby room. Sniff. She will have had her 2nd birthday by Monday so she starts in the toddler room. Sniff. Another milestone in my baby's life.
😦 😦 😦 😦 😦
She has been spending time in the toddler room for the past few weeks so it shouldn't be too much of a shock when she goes in there full time. She already knows a lot of the children in there as she played with them when they were in the baby room, and the carers in there often come through into the baby room so that the older babies know who they are.
The carers in the baby room were genuinely sad to see her go as she is a very affectionate child and they love her cuddles as much as we do :). She celebrated her last day in style though with a class trip on the train to Skegness to see the donkeys and to play in the sand.
I know that I should be pleased that I have a happy and healthy little girl, and I am as proud of her as any Mum could be, but passing these milestones does make me sad too. It's so true what everyone tells you, they are not babies for long.


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Le Scoop: Cécilia Sarkozy (born as Cecilia María Sara Isabel Ciganer, later Ciganer-Albéniz, born November 12, 1957 in Boulogne-Billancourt) is the wife of French president Nicolas Sarkozy.//PARIS (AFP)—Cecilia Sarkozy is a fiercely independent former model and PR executive unlikely to fit easily into the discreet role of first lady. // Of Jewish-Spanish ancestry, Cecilia's foreign roots match those of Sarkozy, whose father is a Hungarian immigrant and his mother of Greek Jewish origin.//
After one hundred days on the job, Sarko is being rated by the French press. He gets kudos for putting some leftist bigwigs into his government, and A for energy, but now his spouse, Cecilia, is crowding the headlines.
The fact that Cecilia didn't show up at the polls on the day the nation voted her husband into office caught some comment, and since then she has mostly stayed out of sight. Then, recently, she twice jumped a plane to Libya, and made her way into the public eye again.
Five Bulgarian nurses, condemned to death by a Libyan court years ago, were liberated from Libyan jails a few days after Cecilia's visit to Libya. This coincidence was rated by some observers as a coup for her husband Nicolas, while others claim that her not-at-all-protocol visit was not only an insult to the entire French diplomatic corps who'd been working on the release for years, but had also caused the Libyans to stiffen their demands before finally signing.
Coincidence was added to coincidence when France and Libya signed a 400 million euro arms deal a few days later.
Too much coincidence here, said Mr. Hollande, the former roommate of Segolene and more or less the acknowledged leader of today's French Left. Mr. Hollande suggested in fact that Cecilia ought to drop in at the Assembly and tell them what exactly she was doing down there that week and whether there was more than coincidence at work.
Now intervenes the hundred-day wonder, her husband, and announces that no, Madame has nothing to say. And thus Nicolas, who began his term by imitating GWB (tax breaks for the rich) again takes his cue from the man at the desk in Washington. He declares a French version of 'Executive Privilege', claiming that members of the executive branch are in various ways above the law.
The French judiciary is reeling and examining whether Cecilia is legally bound to speak or not. They note that since Cecilia apparently had no official executive role in the government it's not sure if she can be covered by any kind of executive umbrella.
In America, 'executive privilege' was first foisted off on the people by Nixon, if memory serves, and has been applied non-stop since then by every US president — to cover up various matters.
The question now is whether the French judicial system and the French public is going to roll over and play dead when confronted with 'executive privilege'— the way the American public did thirty-three years ago when Nixon and his lawyers sold it to them.
Shayne Nelson is Cyrano's Paris correspondent.


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Aylward, Gladys
Name of creator(s): Aylward | Gladys | 1902-1970 | missionary
Administrative/Biographical history: Gladys Aylward was born in 1902 in Edmonton, North London. Following service as a housemaid, and rejection by the China Inland Mission, she went to China as an independent missionary. Travelling on the Trans-Siberian Railway to Tientsin she then continued to the province of Shansi in North-West China, where she worked from 1931. She became a Chinese citizen in 1936. In 1940, against the background of government, communist and Japanese warfare she led a group of orphans on a perilous journey to Sian. She returned to England during the Second World War, but returned to work with children at the Gladys Aylward Children's Home in Taiwan from the late 1940s until near her death in 1970.
Her life was the basis of the 1959 film 'The Inn of the Sixth Happiness' starring Ingrid Bergman. A number of books have also been written about her life including: Gladys Aylward, One of the Undefeated by R O Latham (1950); The Small Women by Alan Burgess (1957); London Sparrow by Phyllis Thompson (1989); and Gladys Aylward: the Courageous English Missionary by Catherine Swift (1989).
Custodial history:
Immediate source of acquisition: The material was donated via the Archivist of the London Borough of Hammersmith and Fulham in 1973.
Scope and content/abstract: Papers, 1936-1970s, of Gladys Aylward, comprising correspondence (1936-1939) with the Whiskin family during her time in China, press cuttings (1936-1970s), publications, notices, Chinese texts for children, calendars, photographs and miscellaneous items including Chinese accessories.
System of arrangement: The collection is arranged into 7 sections: correspondence; press cuttings; publications; notices; Chinese texts for children; calendars; photographs; miscellaneous. Within each section, material is arranged chronologically.
Language: English and Chinese
Conditions governing access: Unrestricted.
Conditions governing reproduction: No publication without written permission. Apply to archivist in the first instance.
Finding aids: Unpublished handlist.
Date(s) of descriptions: 15 May 2000


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Learn more about employment vacancies
Taupo District Council contact details, location and office hours
A range of grants and awards are available to the Taupo, Turangi and Mangakino communities
Grants and awards, community halls, public art, housing for the elderly, safe district, youth.
A-Z list of Council services
Adopt a dog, dog exercise areas, fees, registration, dog safety and education, online forms, stock.
Parking is free in Taupo. Find out where you can park cars, motorcycles, campervans...
Options for paying parking fines and Parking Infringement Explanation form
Mobility parking in Taupo and Turangi
Reporting an abandoned vehicle
Fill in this form if you would like a review of your parking infringement


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As envisioned by the Mahaswami
of Kanchi Kamakoti Peetham
in his discourse on Anatha Pretha Kainkarya
(excerpts from Raa. Ganapathi's "Voice of the Lord" volume - 3)
"When we are related, we perform the last rites somehow or the other.
There may be flaws in how we do. But we do not totally avoid doing
it. Even when we stop doing Amavasya tharpanam, srardam and all
that, even atheist Hindus, following their culture, do not fail
to do the pretha samskaras (final rites) to the deceased, cremate
or bury.
All right, what about those who do not have any relatives? What
happens to their body, the machine created by God? Sastras declare
that the society has to organize the last rites for such people.
It is painful state of affairs among Hindus in this regard.
Even though now things are organized here and there after my repeated
appeals, this is not enough. Previously I used to be very upset.
Then, when an orphan Hindu died in a hospital or in the middle of
the road, there was no arrangement to perform any last rite for
him. Even now it is so in many places. Hospitals do a postmortem,
just for the sake of formality and bury the bodies or the municipality
or panchayat bury the body. It is a sin, a flaw to the society when
it fails to do the last rites according to the codes prescribed
in sastras.
Other religious organizations have made proper arrangement in this
matter. So they are not affected by the sin of not offering the
dead body to God according to their religious code of discipline.
Flaw in Hindu society
Hindu society, which has no binding of any sort alone, is being affected
by this great sin. Unlike other powerful religious organisations,
who is there for our Hindu society? What is the use of my being
a Guru and running an establishment with all your money? I am unable
to make arrangements for a Hindu orphan corpse to be cremated according
to Hindu sastras. But because I am holding the position of a Guru,
I am aware that I have more responsibility towards this. All I can
do is to really feel sad about the state of affairs of Hindu society.
I can talk to the best of my ability, to those of you whom I think
will care about what I say.
When you commit a sin and if I do not correct you, it automatically
goes to me when I do not correct you. When you prostrate to me,
you are also giving me the responsibility of removing your sins.
Leave alone the subject of orphan corpse. Hindu society itself
is an orphan. Now it has become my prime responsibility to consecrate
our society and enliven it.
I had asked for an organization -jeevatma kainkarya sangam (a
Hindu organization for performing services to people) to be started
in each and every place. It has been started in many places. It
is functioning very well in Kumbakonam especially. This noble service
has taken a deep root to the extent that the hospital and municipality
authorities themselves contact this organization whenever there
is an orphan body to be disposed.
Even if there is no separate organization for this, the prayer groups
or the singers group, along with their weekly and general services
should include cremation of orphan bodies as part of their services.
Instead of treating this as just another service, they should give
this a high priority understanding the importance and greatness
of this service.
This is Aswamedha
When I was talking about service to others, I asked you if it is
possible for all of us to perform Aswamedha? Then I asked why should
we do Aswamedha? Hayametha samarchitha. This is one of
Mother's names - One who is worshipped by Aswamedha.
I gave you the answer that Aswamedha is done to obtain Her total
Grace. But, today in this age of kali, it is impossible to perform
an aswamedha, which prescribes rigorous disciplinary measures. I
asked you what could be done for this. Sastras proclaim that any
other service to humanity is equal to performing aswamedha. I also
told you that the complete grace of Mother Goddess could be obtained
by doing such a service.
Then I was talking about various services. But I have not mentioned
about any service that can give the result equivalent to that of
aswamedha. Cremating an orphan body is the highest of such services.
It is said in sastras Anatha pretha samskarath aswamedha phalam
labeth. While doing this service to another person (para -
upakara) we not only negate our sin but also gain result.
A doctor mentioned, there is an advantage in acquiring unclaimed
bodies. We do a post-mortem and utilize the parts of the body for
the purpose of experiments. These parts are helpful aids in teaching
anatomy in medical colleges and medical exhibitions. If they
are taken away by your service organizations, how can medical science
improve? I replied that may be doctors should donate their bodies
for such postmortem. Even if this is faulty according to sastras,
we can assume that the willingness of this voluntary sacrifice counteracts
the ill effect. I have said earlier that one can counter balance
the ill effects of his doings in his profession by some way of sacrifice
in the same profession. This is one step above all, where one not
only helps others with his profession while living, but also gives
himself to his own learning after dying.
Other religious organizations make sure that the orphan bodies of
their community are disposed according to their religion. By making
proper arrangements, we must avoid the shame that Hindu orphan bodies
alone are buried by the government servants without any rites".
In conclusion, we can do no better than focus the attention of the
public on the sayings of the Kanchi Mahaswami, decades ago on the
significance and importance of this activity amidst us.


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The Serious Kiss...
I never really liked reading when I was little...well more like I just never liked reading ever! I never understood how my friends were able to just sit there and read non-stop. Or more like...I never understood how people had the patience to finish a book in a few hours/days, as opposed to taking their time to finishing a book.
Well..something interesting happened. For those who have read my previous blog post...( http://sparklelouder.blogspot.com/2012/10/trouble-falling-asleep-outfit-of-day.html) -<<that's the link..I actually mentioned that I've been having some trouble sleeping lately, and started reading. It's crazy...in the past..the best way of falling asleep for me, would be reading. So I thought reading would be the best solution. To my surprise, not only did that not happened, I actually found myself being super indulged in the book. The book is title, The Serious Kiss, by Mary Hogan. And there's a picture of the book below. =)
My best friend from 9th grade actually gave me this book to read, when we were cleaning out our lockers near the end of the school year. She asked me to read it, cause she said it was a good book. I think both she and I knew that there was a minimal chance that I'd read it cause I absolutely hated reading. haha but I guess it was worth a try. =) At that time, we were 14..which means this book actually tied perfectly with me, cause the main character in the book was also 14. This book talks about how Libby (the main character), and her best friend Nadine, whom both sets the goal to have their very first "serious kiss", by their 15th birthday. And when they say "serious kiss", they mean one that is so serious that it in a way represents true love.
Anyway..when I first read this book..I felt kinda immature. I felt like a 20 year old..reading a book that was for teens...but you know what? I was wrong. This book was awesome! It brought me so much laughter, and I was reminded about a lot of things. It's hard being an adult sometimes. Adults are always faced with so much pressure...and because we're always faced with the harsh reality, we end up building a lot of negativity in us..that totally takes away the fun in life. From the book, I really learned to -Let Go- & to -Move On With Life-. And for some reason..I feel like the moral of the story is beneficial for a lot of people. Instead of letting go of the negatives, we just end up holding onto grudges, and holding onto the negatives as opposed to focusing on the numerous of blessings that are brought into our lives.
I finally managed to finish the book yesterday night, and I found part of my 14 year old self in me again. haha I felt less stressed out about what's going to happen in the future, cause honestly...no one can predict what can happen tomorrow. Everyday comes as a surprise, and with the knowledge of that, I managed to let myself let loose and sleep with a smile on my face. I feel like this book taught me a really valuable lesson, and I feel that it abides to others in this world as well. Holding a grudge, or holding too hard onto something might end up bringing more stress and pain into one's life. To be happy, we have to learn from the negatives, but also learn to let go and not let the negatives scar us for life. Let go, relax, and be wiser in the future. Focus less on the negatives, move on with life, and be grateful for all the blessing you have, even if it's a roof to live under.
I really want to thank my friend for giving this book to me, and I'm so glad that I finally read it when I needed it the most. =) It's crazy..I managed to finish this 250 page Chapter book in a total of probably 3-4 hours, and I am so proud of it! =) LOL. Anyway, best of luck to everyone!
-Wing <3


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In any competitive housing market, cash buyers are viewed with apprehension by other people looking to purchase homes.
Often, credit buyers feel as though they cannot compete with cash buyers, and this can be upsetting when a cash buyer places a bid on a person's dream home. Cash does offer benefits for sellers and can be very difficult to compete with.
When a seller receives a cash offer they do not have to worry about banks or loans and the entire process tends to run smoother and quicker.
That does not mean, however, that it is impossible to compete with a cash offer. So how do you compete with a cash real estate offer? The trick is always to make the credit offer look more appealing for the seller. Here are some tips for competing with a cash offer to secure the perfect house. Use these tips wisely to construct an offer that just may having a fighting chance of beating out the cash proposal.
Make Sure The Seller Knows The Offer is Secure
Having a home sale fall through is extremely frustrating for any seller, and financial difficulties are a common problem. This is one reason why cash buyers are so appealing; the cash is available up front without having to wonder if the buyer will get financing. To make an offer more tempting, the credit buyer should come to the table with plenty of evidence that their offer is just as solid.
A pre-approval letter from a lender indicating that the buyer is a well qualified and approved can help justify some of the sellers concerns. Make sure you understand the distinction between a pre-approval letter and a pre-qualification letter as they are very different. A pre-qualification letter is essentially worthless and not what a seller or a savvy real estate agent will be looking to see. Another tactic to make your offer look stronger is to have the pre-approval letter be for substantially more than what you have offered the seller.
Those who are comfortable being open with the seller should also consider making financial information available to the seller, such as employment information or assets, to help bolster the claim that a loan for the particular person is a sure thing. For example if you have a bank account that is flush with cash but you are choosing to get a mortgage for your own financial reasons at least the seller knows you have the money available as a fall back plan.
Be Prepared to Bid Higher
Cash buyers know that their offers look appealing to sellers because of their ability to pay cash up front. For this reason, at times they expect some kind of discount on the listing price. The credit buyer can help counteract the appeal of the cash offer by offering a higher bid.
Since the credit buyer knows that they may have to bid a little higher than the cash buyer, it is probably a good idea to consider homes lower in the personal price range. This will give a buyer more room to make that higher bid to win the house without going over budget.
Make Every Effort to Speed Up The Process
Certain steps, such as waiting for appraisals and loan approval, can end up adding weeks or months to the process. Speak with the loan officer to try and learn what can be done to speed up the timeline. For example, ask the mortgage broker to try to set up a real estate appraisal appointment immediately. Some of the biggest delays with financing occur because of the time it takes for the appraisal to get done.
When an offer is made on the home, the credit buyer can then let the seller know that they have already contacted the lender and asked them to order the appraisal right out of the gate.
Similarly, be in contact with a home inspector who can be brought out to see the house within a few days to get the inspections completed. Having the inspection finished early on in the process can also let the seller know how serious the credit buyer is about the house. Some parts of the country also allow for loans to be secured in as few as fourteen days, so if this is an option, also pass on to the seller how quickly the loan paperwork can be finalized. Have your mortgage broker write a letter stating how quickly they turn around their loans.
Make Your Offer Personal
There are a variety of ways to try and connect to the seller on a more personal level. Some people will send letters to the seller, describing their situation and their plans for the house. Other people will speak with their real estate agent and ask them to really present the offer, not just email it over.
Sending a personalized letter may or may not have any impact whatsoever if the seller makes analytical decisions. Believe it or not however, there are some who will make decisions based on emotion.
If the offers are very close or even slightly better, the buyer who has connected personally with the seller could have the upper hand. In fact recently while I was selling a home in Northbridge Massachusetts, I had received multiple offers on a property and the seller chose to go with the non cash offer due to the fact that the seller happened to be on the way out the door when the buyer arrived. The seller was able to see the couple and their two small kids. The buyer's ended up asking the seller and few questions about the home. There was a connection made with this particular seller.
The buyer was smart when making their offer by including a personalized letter that mentioned all the great things about the property along with how they knew their kids would enjoy growing up in the home. This little personal gesture put their offer over the top.
Be Willing to Take A Risk
To make an offer seem even more appealing, some buyers will take risks such as waiving the appraisal contingency or even the financing all together. While you may not have the cash readily available, if you are 100 percent confident you can get the financing some will take the risk of taking the financing contingency out of the offer contract.
While many times this risk pays off, there are also plenty of times that it does not. Occasionally, for houses in a market where the buyer is very confident about the price and is absolutely in love with the house, it can be worth taking the chance, but often people jump too quickly when making these larger gambles.
There are also other, risks that buyers can take that can help swing an offer in their favor. For example, some consider removing the home inspection clause if they are relatively certain there are no big home inspection issues that will be discovered. A lack of problems of course is more common with younger homes that have been really well constructed.
If you are not that brave another alternative is to make the home inspection escape clause have a higher dollar figure. In most real estate contracts where there is a home inspection contingency, a buyer can put in an amount of money by which they can cancel the contract if home inspection issues are discovered. The last thing a seller wants to deal with is negotiating repair items after a home inspection. Letting a seller know up front that you are not going to knit pick at every little problem the home inspector finds can go a long way in helping to make your offer more appealing.
Give The Seller Their Desired Closing Date
One of the terms in a real estate offer that is almost always very important to a seller is the closing date. When you are competing against a cash offer being super flexible with the sellers desired closing is really important. If the seller want to close on a specific date make sure you give it to them!
In real estate transactions sometimes the seller may even need for some reason to rent the home back from you for a certain period of time. The seller may need the equity out of their home but not have a place to live established yet. Giving the seller a flexible term like renting back for a period of time could be huge in the grand scheme of things. Are you beginning to see how to beat a cash real estate offer?
Other Attractive Items For The Seller
Another example is to increase what would be considered a normal escrow deposit. If it is common to put 5% down with an offer contract make your deposit larger. The stronger you can make all the other terms in an offer the greater chance you will have of being the winner.
If for some reason the seller is offering some kind of concession, such as carpet or painting allowances if the home really needs it, you could opt to waive the seller from having to do this.
There is no denying that competing against a cash offer will be difficult. The convenience that the offer presents for the seller makes it very appealing, especially given the difficulties that can arise when dealing with a buyer procuring financing.
Just because someone makes a cash offer on a house that a credit buyer has fallen in love with, however, does not mean that there is nothing to be done. Taking the above advice will give any credit buyer the best chance of securing their dream home, regardless of the other bids.
Article Courtesy Of: maxrealestateexposure.com check it out here!


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Forestry School is great for community groups, infant schools, primary schools, secondary schools or birthday parties.
Whether you are looking for a term time experience, holiday and half term activities, or a special event to celebrate a child's birthday, Forest School is an inspirational process that offers all learners opportunities to achieve and develop confidence through hands-on experiences in a woodland environment.
We promote holistic development of ALL involved, fostering resilient, confident, independent and creative learners. Forest School offers learners the opportunity to take supported risks appropriate to the environment and themselves.
You will have the opportunity to revisit, engage and foster a love for the wonderful ancient woodland at Herstmonceux Castle over a period of six or more sessions.
The experience includes campfire building, lighting and management, campfire cooking, tool work, using greenwood to make wooden objects, den and shelter building, foraging, nature games, nature education and much more.
Visit www.herstmonceuxcastleforestschool.com for further information and to book your experience.


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Sorry...there is no Joy's Life Design Team Thursday today but I want to feature one of Joy's favorite items to craft with...VINYL!!
I am not sure if you guys have had a chance to pick up your copy of Joy's instructional DVD, but I highly recommend it. It is jammed packed with great tips on 2...yes...2 disc!!
I have not had a chance to experiment with my new vinyl knowledge, but here is a pair of ladies that are cranking out such cute stuff (available for purchase). You need to check out Vickie and Jodi the Crafty Corner Duo when you have time to spare. Their blog is in there early stages, so you can also find them on Facebook by searching Crafty Corner Duo (or just click here).
Here are a few of my favorite things they have made.
Thanks Vickie and Jodi for letting me feature your products on my blog!! You guys are amazing!


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Your connection to a world of app lovers.Ströer Mobile Performance helps your company promote its app through a global network of long-time trusted publishing partners. We put our mobile-ad product portfolio to work so that your brand excels.
Your needs, our approach
Your specific KPIs build the basis for our individual measures to enhance your mobile campaign results.
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Through our unique network of global publishers, we guarantee you great visibility and measurable reach.
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Your premium brand deserves the right environment through our brand securing targeting.
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Choose from our multiple mobile measures
A competitive CPI that fits each market. Suitable for developers with a little budget. The CPI deal is based on analyses of all our global markets.
Our CPA model allows us to generate leads according to your individual needs. Through this measure we provide our advertisers with newsletter sign-ups, sales and other defined actions.
Our chart boost campaigns help your app to climb the well-known app store rankings in order to gain users organically.
Through our proven re-engagement solution we are able to re-activate your app's users in order to get your app back on their radar.
Questions? Get in touch!
Made with passionin Cologne
We are now living in the Mobile Internet era. The mobile web experience recently surpassed desktop consumption. While mobile ad spendings still lag behind the overall mobile media behavior trend, we at Ströer Mobile Performance focus on the potential of becoming the most influential marketing tool around.
With our team of passionate mobile innovators, we have gathered in-depth knowledge in an industry that is still on the rise. Our know-how has led to long-time partnerships and a vast network of trusted mobile businesses. Our network is what we call the 'treasure of mobile marketing'.
We truly believe in personal relationships and rely on our great group of mobile experts who are the real
heart and soul of our company. Backed by the biggest digital as well as non-digital marketer in Germany, Ströer, we as their performance division are ready to drive mobile business through our mix of experience and curiosity.
Mobile marketing is still far from being fully explored. We can assure you that there's a whole continent of opportunities for your brand – and we have already set foot there. Come with us and discover the passion of mobile marketing!
That is why we at Ströer Mobile Performance think your company needs to talk to us.


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(514) 848-2424, ext. 5578
Volunteer Recognition Awards
Each year, the LIVE Centre presents Volunteer Recognition Awards to Concordia students, staff and faculty who have made a significant contribution as volunteers, sharing their time and talent for the benefit of the Concordia, Montreal or global community.
- Volunteering
- Volunteer Resource Centre drop-in schedule
- First-time volunteers
- Testimonials of student volunteers
- Volunteer opportunities
- Post a volunteer opportunity
- Strategic volunteering
- Volunteer workshops
- Volunteer fair
- Volunteer recognition award


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Subprime mortgage holders will probably default, even after refinancing
The Obama administration's stimulus program has given incentives to mortgage lenders and homeowners under water to modify their loans, rather than foreclose. The effort has had some success, but a new study suggests that these modifications are just delaying the inevitable for many. More than half of reworked highly leveraged mortgages are likely to end up at least 60 days delinquent within the next year, according to Fitch Ratings; for subprime mortgages, that figure could reach 75 percent.
By the end of May, approximately seven perecnt of the private-label home loans from 2005 to 2007 that were bundled in mortgage-backed securities had already been reworked, the report notes, including 18 perecnt of subprimes. Bank of America (BAC) alone has modified 50,000 mortgages as part of its settlement to compensate for the predatory lending of Countrywide Financial. Close to 29 percent of the reviewed loans couldn't be modified and ended up in foreclosure.
The biggest factor in delinquency is the amount of the monthly payments, and lenders have adopted a variety of strategies to reduce those payments through forbearance (21.7 percent), lowering interest rates (47.5 percent), reamortization (58.3 percent), and forgiveness of some delinquent payments (17.8 percent). Some borrowers wound up with larger monthly payments after the renegotiations, when past-due payments were rolled into the loan balance, or formerly delayed debts were incorporated. Three-month trials of revised loan terms are helping lenders identify which modifications work.
But some homeowners who find themselves upside-down, given their plummeting home prices, just walk away -- even those who can meet the revised terms. And many who had hoped to qualify for the government's Making Home Affordable program can't participate, due to a 105 percent of current market value cap on the funding made available through this program. The Home Affordable Modification Program, targeting subprime loans, does offer incentives to both lenders and borrowers to reduce payments and reduce the propensity for delinquency or abandonment.
An unsettling point from the study: Fitch estimates that 40 percent of loans delinquent by 90 days or more are secured by unoccupied properties. With no one on a local level watching the properties after the owners have defaulted, we could soon be seeing more abandoned houses in our towns.


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This gorgeous writer's home may look timeless, but the building didn't look nearly so elegant in its former life. Located near Melrose, Roxburghshire, Blakeburn Cottage was previously a bland mid-20th century dwelling that underwent an complete transformation at the hands of Edinburgh-based A449 Architects. The architecture firm gutted and overhauled the original building to create a home with a scorched larch facade that blends into the surrounding woods.
Although the Blakeburn Cottage expands the footprint of the original building with additions to the east and the west, the renovated structure manages to minimize its visual impact on the landscape thanks to a carefully chosen materials palette—vertical strips of scorched larch clad the entire building—and its simple, single-story gable form. In contrast to its dark timber facade, white walls and pale wooden floors dominate the interior. Skylights and large windows flood the full-height rooms with natural lighting and frame views of the countryside.
Related: Dark 19th century workshop is converted into a bright loft-inspired home
A writer's studio bookends the east side of the home and is separated from the open-plan living area by the master bedroom and bathroom. The highly insulated home minimizes energy costs with the use of underfloor heating and an air-source heat pump. The Blakeburn Cottage is currently shortlisted for the RIAS RIBA Awards 2016, as well as the Satire Society Housing Design Awards.
Via Dezeen
Images via A449 Architects


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As a FOTON dealership, Sundown Equipment supplies a wide range of new and affordable compact and mid-range tractors and parts for all of your farming, acreage, agricultural and landscaping needs. These high-quality tractors are easy to handle and dependable whether you're mowing, plowing, pulling a wagon or raking and baling hay. FOTON tractors are an overall great value.
While regular maintenance and service will only help extend the life of your machine, our factory-trained technicians are available and equipped to provide superior repair service and customer service when answering any of your questions. All of the new FOTON tractors we sell come with a two-year parts and labor warranty for defective parts and workmanship.
At Sundown we have chosen to sell 25, 40, 50, 60, 70, 82, 125 and 145 HP models that are available in 2WD and optional 4WD. FOTON tractors come standard with ROPS. Optional enclosed cabs are available on all models.
Learn more about FOTON LOVOL »
I have owned my FOTON 824 and loader for over four years now and have come to love it more every day. Excellent chore tractor with 1,100 hours on it - has been great for raking and baling hay. - Bob A.
Just wanted to let you know how pleased I am with my recent purchase of the 25 HP FOTON tractor with loader. It has really made acreage work much easier and faster. It has been useful in so many applications – from mowing our six acres to mowing around dirt and gravel with ease. The FOTON has done everything I have wanted it to do. You have a very satisfied customer. - Michael H.
I wanted to express my satisfaction with both your service and the quality of the FOTON tractor I purchased in July of 2005. Your staff was very friendly & efficient in taking care of my needs and getting me on the road quickly. The tractor itself is the best kept secret in Iowa! It is dependable, easy to handle, and an overall great value. You cannot buy a lawn tractor for the same price I paid for your 4 wheel drive utility tractor. It is truly unique to get a quality tractor, a good buy and great service. - Roger H.
© 2019 Sundown Equipment | Employment Opportunities


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Featuring French Designers Including Francois Bauchet, Matali Crasset, Sylvain Dubuisson and Arik Levy Corning, N.Y.-Expanding the international reach of its signature design program, The Corning Museum of Glass is bringing its GlassLab design program to Paris. The Corning Museum will partner with the Musée des Arts Décoratifs to offer free, public GlassLab design "performances" with top French designers in the Tuileries Garden/Paris, October 22-27, from 11:00 a.m. to 5:30 p.m. each day. Designers who will work with GlassLab at the Musée des Arts Décoratifs are a mix of fashion, graphic design and product designers include Antoine et Manuel, François Bauchet, Wendell Castle, Matali Crassat, Sylvain Dubuisson, Benjamin Graindorge, Constance Guisset, Arik Levy, Vanessa Mitrani and Didier Tisseyre. On October 22, Marco Mencacci from the Ecole Camondo of the Musée des Arts Décoratifs will work with Corning Museum glassmakers in a day-long preview session. A program developed by The Corning Museum of Glass in 2007, GlassLab helps designers better understand the possibilities of glass as a design material, encouraging them to design more innovatively for the material. The designers will bring their sketchbooks and concepts and work side-by-side with glassmakers in a unique mobile hotshop developed by The Corning Museum of Glass. The teams will prototype their design ideas in live glassblowing sessions, allowing audiences to watch the evolution of the designs as they are created. "GlassLab has successfully provided designers from a variety of backgrounds with rare access to the glassmaking process, inviting them to explore firsthand the full potential of glass as a material for design," said Dr. Karol Wight, executive director of The Corning Museum of Glass. "We're pleased to partner with the Musée des Arts Décoratifs, which has one of the finest glass collections in France, to offer this program for the first time in Paris. Our work with these contemporary designers builds on the very rich history of glass design in France." "We have a rich tradition of partnering with The Corning Museum of Glass on glass research and exhibitions. After learning about this unique educational project which the Museum held at the Domaine de Boisbuchet and other venues, we were very pleased to host the first Paris sessions of Glasslab with a select group of French designers and creators. It's ideal to be held in the garden of the Louvre and during of the famous art fair, the FIAC," said Jean Luc Olivié, curator of the glass collection Musée des Arts Décoratifs. GlassLab programs have taken place at major art and design fairs, workshops, and museums in Europe and the United States such as Design Miami/Art Basel, Vitra Design Museum and Cooper-Hewitt, National Design Museum, New York (at the museum and on Governors Island). More than 60 international designers have worked with GlassLab including Harry Allen, Yves Béhar, Constantin and Laurene Boym, Peter Buchanan-Smith, Stephen Burks, the Campana Brothers, Nacho Carbonell, Sigga Heimis, Max Lamb, Chris + Dominic Leong, Abbott Miller, Ted Muehling, Leon Ransmeier, Massimo Vignelli and David Wiseman. To learn more about GlassLab and see past design sessions, visit www.cmog.org/glasslab. Schedule of Design Performances Tuesday, October 22 11-12:30 Marco Mencacci/Ecole Camondo 14-15:30 Marco Mencacci/Ecole Camondo 16-17:30 Marco Mencacci/Ecole Camondo Wednesday, October 23 11-12:30 Arik Levy 14-15:30 Sylvain Dubuisson 16-17:30 Matali Crassat Thursday, October 24 11-12:30 Matali Crassat 14-15:30 Wendell Castle 16-17:30 François Bauchet Friday, October 25 11-12:30 Sylvain Dubuisson 14-15:30 Matali Crassat 16-17:30 Constance Guisset Saturday, October 26 11-12:30 Benjamin Graindorge 14-15:30 Antoine et Manuel 16-17:30 Didier Tisseyre Sunday, October 27 11-12:30 Steven and William Ladd 14-15:30 Vanessa Mitrani 16-17:30 Steven and William Ladd About The Corning Museum of Glass The Corning Museum of Glass is home to the world's most important collection of glass, including the finest examples of glassmaking spanning 3,500 years. Live glassblowing demonstrations (offered at the Museum, on the road, and at sea on Celebrity Cruises) bring the material to life. Daily Make Your Own Glass experiences at the Museum enable visitors to create work in a state-of-the-art glassmaking studio. The campus in Corning includes a year-round glassmaking school, The Studio, and the Rakow Research Library, the world's preeminent collection of materials on the art and history of glass. Located in the heart of the Finger Lakes Wine Country of New York State, the Museum is open daily, year-round. Kids and teens, 19 and under, receive free admission. http://www.cmog.org/. The Museum is currently adding a North Wing, designed by Thomas Phifer, which will open in late 2014. The 100,000-square-foot North Wing addition will include a new 26,000-square-foot contemporary art gallery building, as well as one of the world's largest facilities for glassblowing demonstrations and live glass design sessions. About Musée des Arts Décoratifs Les Arts Décoratifs was created in Paris over 150 years ago by collectors, industrialists and craftsmen concerned with the quality and design of everyday objects. Housed in the Marsan wing of the Louvre on the rue de Rivoli, between the Tuileries Gardens and the Palais Royal, Les Arts Décoratifs is a national showcase for the genius of artists and craftsmen. The Musée des Arts Décoratifs has one of the largest collections of decorative art in the world. It provides a unique panorama of the history of furniture, glass, ceramics, precious metalwork, jewelry, textiles, fashion, graphic design and advertising, from the Middle Ages to the present day. Displays of objects in 'period rooms', one of the museum's features, give visitors an authentic insight into the daily life, fashions and customs of past centuries. One of Les Arts Décoratifs' jewels is the Musée Nissim de Camondo, a sumptuous mansion on the edge of the Parc Monceau entirely devoted to 18th-century art. Les Arts Décoratifs manages a set of museums but also a school, the Ecole Camondo, which trains interior architects and designers, a library with more than 160,000 volumes on the decorative arts, graphic design, architecture, art history, garden design, costume, fashion and textiles, and the Ateliers du Carrousel, which runs artistic workshops and activities for children, adolescents and adults. Les Arts Décoratifs, an independent institution unique in France, yearly organizes around ten major thematic or monographic exhibitions. The glass collection of the Muséee des Arts Décoratifs is rich of more than 4000 pieces from the middle age to the current international, with world famous Art nouveau and Art déco group. The glass department of the museum was created in 1982. http://www.lesartsdecoratifs.fr/
###To access high-resolution images visit www.cmog.org/press. For more information, please contact:
|Allison Buchbinder
|Yvette Sterbenk / Mandy Kritzeck
|Resnicow Schroeder Associates
|Corning Museum of Glass
|607-438-5273 / 5239
|sterbenkym / email@example.com


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Corporate Patents
LifeVantage Corporation (Nasdaq:LFVN), a leader in Nrf2 science and the maker of Protandim®, the Nrf2 Synergizer® patented dietary supplement, is a science based nutraceutical company. LifeVantage is dedicated to visionary science that looks to transform wellness and anti-aging internally and externally with products that dramatically reduce oxidative stress at the cellular level. The Company was founded in 2003 and is headquartered in Salt Lake City, UT.


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Kontiki raft competition is on at the moment. Our troop is not attending this year, but I went down for the day with my Rover Crew. The theme for this year is Rome, and one of hte more striking rafts is First Horison's chariot shown above.
For more photographs of the weekend, Joy at Akela's Cubs has a great post up. On Twitter, the organisers can be found at @KontikiGauteng, tweeting announcements for the benefit of the campers, and also some photographs of the event.
Finally, click on the image below for a VERY large panoramic view of the lake shortly after launch time this morning.


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Genesis Boutique Travel
Genesis Boutique Travel is a specialist touring company for Israel and Jordan.
Genesis Boutique Travel is a specialist touring company with the simple goal of making your tour to Israel and Jordan one of the best experiences possible.
We specialize in organizing tailor made Israel tours Our tours range from fun and educational family tours to luxurious VIP Tours. We also offer religious group tours including those for Christians from all over the world (pilgrimage and mission groups) and Jewish heritage groups. At Genesis Boutique Travel we always focus on fulfilling our client's special for individuals and groups all over Israel and Jordan. Requests and creating an unforgettable experience. Genesis Boutique Travel knows how to incorporate unique and fascinating activities into their itineraries for example: culinary activities, adventure tours, cultural exhibitions and nature tours.


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Blueberry Syrup
Wednesday, April 6, 2011
When I was growing up, my parents went through a phase where we'd eat pancakes constantly. Because of that, I hated pancakes for years. I couldn't stand the smell of them, and I would have rather starved than eat one.
Maybe they didn't serve them with the right kind of syrup? Maybe they bought the cheap mix? Well the whole reason that we ate them, was because we couldn't afford to eat anything else, so I'm sure it was the cheap mix.
The very best pancake that I ever ate in my life, was in Medford Oregon, at my Mom's best friends house. She had made pancakes during one of our visits, and even the scent of them cooking- was just so different from all of the other pancakes that I had ever had in my life. And when I bit into them, it was like being reborn.
Reborn into the amazing world of pancakes.
But of course from then on, I expected all pancakes to taste as good as Suzette's did (I can't believe I just typed her name, this means I'm getting closer to writing about how much I miss her- but not today). So when they didn't, I went back to hating the dry boring pancakes that landed on my plate, and vowed to never eat another one again.
Until a few years ago, when I learned how to make my own.
Now we have pancakes once a week. Sometimes twice. And its usually for dinner, rather than breakfast. I make homemade blueberry syrup every time. Dump a bag of frozen blueberries into a sauce pan with a splash of water, spin them around in the vita mix after they've bubbled for awhile, add a splash of lemon and a sprinkle of stevia, and then pour it over our fluffy piles.
This is what we're having for dinner tonight, by the way. From-scratch gluten free pancakes, smothered in mock butter and berries.
It'll turn our mouths purple, and leave the kitchen smelling like a Saturday morning cafe.
And of course, I'll think of Suzette, and the pancakes that she made for me, that gave me hope in a world where there otherwise was none.