text:
The Post-Recession Appetite for Risk and Regulation - NYTimes.com
April 15, 2009, 2:28 pm
Amar Bhidé, banks, Credit crisis, deregulation, derivatives, Finance, Glass-Steagall, Investment Banking, Laurence Kotlikoff, Mortgages, Paul Krugman, recession, regulation, risk-taking, securities Related Posts
Bill Clinton, on His Economic LegacyBetrayed by BaselChanging the Conventional Wisdom on Wall StreetBankers, Too, Cast a Safety Net Where Were the Bank C.E.O.s on Monday?
1. April 15, 2009 3:23 pm
Link There is a fundamental difference between risk taking and casino gambling. The problem with most securities markets is that have a tendency to turn into casinos or worse with lax regulation.
Is it unexpected that the repeal of the “Depression Era” Glass Steagal act has brought us to the brink of a new depression?
2. April 15, 2009 3:38 pm
Link From what I understand, there were two significant market problems that contributed to the crisis.
First, securitization, as it was done, was a regressive step for the market, as it decreased transparency. This can be compensated for by creating better standards for CDOs and the like, and, more importantly, tying the initial issuer to the security in some way by having them own some part of the security for the life of the loan. That helps ensure that some information about the origins and quality of security are kept alive for the life of it. As an aside, this is important for compensation structures too; until a position is closed, bonus compensation should be tied to the performance of a position. This would help eliminate paying out bonuses for short-term performance upswings that don’t account for long-term risk.
The second major market failure was the mispricing of insurance/naket puts. The sellers of naked puts or insurance are leveraging themselves, and when the size of these types of assets grow, they become, as Buffett put it, financial WMDs. It’s important that the amount of leveraging that was allowed (30x) both be not be allowed to exist. We need to encourage less consolidated or homogenic economic risk by discouraging larger entities from being able to take the same risk as smaller entities. As companies get larger, their leveraging capabilities should decrease.
The general principle here is that as an entity gets more powerful, it needs to purchase more insurance so that it has less ability to affect the system as a whole. That is how we deal with public citizens when they gain control powerful objects, such as automobiles (auto insurance) or dangerous chemicals (licensing or registration).
— Frank Tobin
3. April 15, 2009 3:57 pm
Link Wait…hasn’t it been proved more or less conclusively that “risk taking” by the financial sector in the past couple of decades has resulted in more or less sham economic growth (except for those involved in the financial sector)? Real wages have been stagnant and bubbles, in stock valuations, in housing etc. created a wealth effect based on…nothing. We really want to go back to that?
— citizen tiger
4. April 15, 2009 4:07 pm
Link Wrong question.
The issue is more fundamental – can a planet that is running out of resources continue with a policy that depends upon these inputs to sustain never-ending growth?
Capitalism (retitled market-based economics) depends upon the growth model in order to generate profits and to pay back investors with interest.
Finance is just the mechanism for getting the capital to the entrepreneurs from the lenders and the reverse with the profits.
We have not suffered from a lack of regulation over the past few decades, we have suffered from a lack of enforcement of regulations. How many anti-trust suits have been brought? How many firms have paid huge fines without admitting guilt or having anyone punished? How many defective products have been allowed on the markets because the regulatory agencies stopped enforcing the regulations?
Laws are not the answer, enforcement is, and when they enforcers do not have to answer to the electorate, but do get paid by those they are supposed to oversee the results are predictable.
The real issue is what to replace the unsustainable growth model with. No economists are discussing this. All we hear are debates about the best course of action to restore the failed growth model as quickly as possible. Do we bail out banks or give tax breaks? Do we write new regulations or “nationalize” firms? Do we limit compensation of executives or wipe out investors?
The techniques differ, but the goal is always the same. The world is already consuming 1.3 times the amount that can be sustained. This will increase to 1.5 times as population grows another 3 billion over the next 40 years. We have been able to cheat mother nature by consuming stored resources, especially fossil fuels, but this cannot continue.
My 2 cents on alternatives here:
5. April 15, 2009 4:19 pm
Link Regulation can only be effective when paired with transparency. And one of the biggest causes of the present meltdown was that transparency was subverted by the complexity of the securitized instruments that we created. We need to acknowledge that extreme complexity and transparency are incompatible. It doesn’t matter how complete is the disclosure on a highly complex security, it remains opaque to all but those who created it.
6. April 15, 2009 4:24 pm
Link Excellent points by Frank Tobin. Securitization, over leveraging and lack of transparency must be addressed. We also need to ensure that financial institutions are not allowed to grow “too big to fail.” We must devise a system of compensation that does not reward financial institutions for exposing investors to risk, again has Tobin has pointed out. Further, we should actively seek to punish those who abused the system and suborned the various ratings and regulatory agencies.
7. April 15, 2009 4:29 pm
Link The economic crises once every 80 years camp may be a little misleading; as the economy seemed to be ok for most of that time until 1999 when the Gramm-Leach-Bilely Act repealed important parts of Glass-Steagall. So it should probably be more like 70 years of relative tranquility vs 10 years of anarchy.
One reform I would like to indulge would be bonuses. If banking is made boring, what would that mean for the current bonus system? Does making banking boring automatically mean there will be little to no bonuses since there would be no need to invent elaborate schemes and derivatives? Would banking then be the equivalent of working for a utility company? It seems that making banking boring may be enough in itself to steer many college students away from business schools and into other professions.
8. April 15, 2009 4:49 pm
Link Regulation should be tied to how dangerous a financial institution is. If they are too big to fail, then they need to have enough independent risk-evaluators (paid for by the companies they monitor) with authority to stop them from doing things that could cause them to fail. If financial institutions want to gamble, then they can stay small enough that they can go bankrupt and we’ll all just wave good-bye.
9. April 15, 2009 5:03 pm
Link Listen everyone the only thing I NEED TO SAY IS LOOK AT THE ECONOMY OF INDIA A RISING THIRLD WORLD COUNTRY.
INDIA HAS NOT BEEN HIT THAT HARD BY THE GLOBAL WEAK ECONOMY BECAUSE THIER GOVERMENT HAS VERY TIGHT RESTRICTIONS ON BANKS AND SOME BANKS ARE ARE JOINTLY OWNED BY THE INDIAN GOVERMENT. PEOPLE ARE SECURE IN THE FACT THAT THE GOVERMENT HAS PARTIAL OWNERSHIP IN THE BANKS. THIS PREVENTS THE CROOKED CEO, CFO, AND ALL THE OTHER BIG WIGS lIKE KEN LAY, BERNIE mADOFF, STAFFORD FINACIAL FROM RUNNING A MUCK WITH PEOPLES MONEY.
THE PEOPLE SHOULD REVOLT AGAINNST THE ELITE THAT RUNS THE MAJORITY AND ROBS FROM THE POOR AND FILLS THE POCKETS OF THE RICH. OUR COUNTRY IS FOUND ON HARDWORKERS NOT CROOKED POLITICIANS AND LARGE CORPORATIONS.
10. April 15, 2009 6:15 pm
Link Just a wild guess, but I predict that any new regulations will be written to benefit the most politically connected firms within the industry. I also don’t have much faith in politicians’ understanding of the subject matter which they are about to legislate, so I assume they’ll just put their names on whatever bills their banker-sponsors slide in front of them to sign. Or they’ll just trade their support for the favors of other politicians.
And when later confronted about the badly written regs, they’ll respond by saying things like: “Finance was never my strong point in [law] school.” or: “Gee, if I’d have known about the downside, I would never have voted for it.” Right, sure. And let’s not forget this one: “You mean our money isn’t backed by Gold? Since when? Huh…I thought there was something fishy going on here. I’ll look into it some more and get back to you.”
I suppose the fruit of this incompetence is the price we’ll pay for not demanding true monetary reform. Instead of nailing down the Creature from Jekyll Island, we’ll continue to buy into all the popular rhetoric and deception that has kept an elite part of the financial industry in power over us since before WW2.
I’m tempted to say, God help us! But I fear that Darwin will get here first.
11. April 16, 2009 12:00 am
Link I’d like to buy those three guys a drink. To a future! The banks are dead! Long live the banks!
12. April 16, 2009 1:40 am
Link “Too big to fail”
No corporation is ever “too big to fail.” The real problem is the absence of regulations that would prevent a tsunami effect on the rest of the economy from a large corporate failure. I would suggest two key reforms: pre-planned restructuring, and absolute accountability. All large corporations would pre-plan restructuring in the event of corporate failure. This plan would prescribe in advance how claims involving unions, creditors, suppliers, investors, and all other relevant parties would be fully resolved promptly when a corporate failure occurs. Absolute accountability would require that private sector financial organizations balance every dollar of risk with stable liquid assets, a stable appropriate hedge, or backing of the central government at all times. Government oversight would verify that these actions are taken in all cases. The government’s precise role as the ultimate backer of risk would be explicitly defined. Even in the corporate worst case scenario, there would be a corporate dollar available for every dollar of corporate risk; the corporation could fail, but all obligations to the external financial markets would be maintained.
13. April 16, 2009 6:14 am
Link It seems to me that human nature is the largest factor here. I think that clear and strong regulation are called for. Note that the seeds for our current disaster began being planted with the Commodities Future Modernization Act and with repealing Glass-Steagal. You might argue that people actually learn from the past — and bankers and financiers should have learned from the mistakes of the pre-Depression era and the previous panics. But our memories are short.
However, the fact that these acts resulted in rollbacks of regulation meant that it was clearly in the minds of the legislators to allow this. There were no lessons not learned, they were simply rejected. And why was that?
I think the key here is the shifting of risk that became so easy at every step of the way. If someone else has to face the consequences of your actions, then that action appears more attractive.
In my view, location of risk (meaning clarity as to whom should have it) should be one focus of new regulation. E.g., the broker who originated the sub-prime mortgage should bear much of the risk of that action.
Another key is the ease of obfuscation. It has been too easy for any party in the process of packaging these securities to back off and blame someone else. I’m thinking of the rating agencies, who behaved as if they were utterly corrupt. But they could turn around and point the finger at someone else.
The products themselves should be simple and transparent.
One of the major points, however, a subject that resurfaces in every one of our economic emergencies, is leverage. This is where there must be strong regulation. My opinion is that, if you don’t have money (your own money or explicit authorization to use someone else’s money) to play the game, you shouldn’t be in the game. It’s like pandhandlers believing that other people should finances their drinking or use of drugs. No, buddy. Finance yourself.
I also think some thought should be given to how CDSs can influence market thinking. A number of companies have been brought down by people betting that they would, with the larger market following these people’s actions. That is basically the equivalent of saying that we encourage and allow piracy on the high seas.
I think the U.S. has covered itself in a lot of self-serving rhetoric about “free markets,” yet we see example after example of corporate welfare, protectionism, and favoritism. We should not kid ourselves that the rest of the world does not see it. They do, very clearly, and it costs us respect that we might deserve if we conducted our affairs with less selfishness and shallowness.
Regulation is called for. The big lesson here is that regulations that have worked should not be undone, and certainly not in behind-the-scenes actions like the Commodities Futures Modernization Act.
14. April 16, 2009 4:52 pm
Link It is hard to see how they will get the 61 votes to “make banking boring again.” While dramatic in movies, no one ever really says, “Stop me before I kill again.” So I presume that the financial institutions–despite whatever their apologists and long term interests indicate–will fight each and every regulation tooth and nail. Even if they have become risk averse in the short run. Because no one wants a nanny crimping their moves. And the anti-regulation forces will prevail because they only need 40 votes.
15. April 16, 2009 6:29 pm
Link Probable outcome: a restoration of the system which just failed, with a few cosmetic regulations that will not be enforced.
Desirable outcome: one in which, as Bernie Sanders nailed it, “A bank which is too big to fail is too big to exist.”
16. April 18, 2009 9:24 am
Link When I was in school, I learned that the normal period for boom and bust in the United States economy was fifty years. In the early ’80s, almost exactly on schedule, we had a recession, but we didn’t have a depression.
It seemed to be at the time (and still does) that we had learned from the experience of the ’30s. Glass-Steagall was still in place. The FDIC worked. The FSLIC worked. The Resolution Trust worked. Unemployment insurance worked, counter-cyclically dampening the downturn. Human beings seemed liked rational creatures.
But then we decided that we would dismantle and weaken some of the mechanisms that dampened the cycle, and here we are, perhaps on the brink of another depression. We don’t seem so rational any more.
As an example, take the following sentence: “An economy needs some desire to assume risks in order to function and to grow, and perhaps, then, the government should be encouraging more financial innovation when the private sector’s instinct is to pull back.”
Imputing human emotions to an abstract phenomenon like an ‘economy’ isn’t really a useful way to procede. ‘The economy’ doesn’t do anything. People do things, and they do them for any number of motivations. The centrality of risk taking in economic theory assumes that all people are selfish, self interested and to some extent or another greedy, and that they will not act unless there is some personal gain for them. In my experience this is not the case.
Clearly there are greedy people. The post-Depression reforms were intended to curb the excesses of their behavior and they worked. We need to re-institute those reforms, and we need reforms to regulate or abolish the shadow banking system. We also need to reorganize economic life around more cooperative principles rather than competitive ones. We need to do this both for environmental reasons and for reasons of justice and fairness. The environment cannot bear any more unrestricted exploitation for profit. And, as moral human beings, we must take responsibility for those around us who have fallen behind economically and change the economic order so that they have opportunity.
How do we do this? I buy groceries at a cooperative grocery store. I buy recreational equipment from a cooperative. I ‘bank’ at a credit union. I would like to spend all money that I spend at cooperative institutions such as these, but the possibilities are limited. Why would I like to do this? Because it doesn’t involve the profit motive, which is clearly neither necessary (given that longstanding cooperative institutions exist) or desirable (given the boom and bust nature of competitive capitalism).
The irrationality of attributing humanity to abstract phenomenon is not limited to public discourse, it is enshrined in law. Corporations have essentially been granted the rights of a person, but are not subject to criminal prosecution that a person would be subject to. Large profit making corporations have monopolized almost all economic opporunity, other than working for them. As a result, running a corner drugstore or grocery store is no longer an economic option for individuals or families. Corpoorations also pervert political discourse making the task ahead of us long and difficult. But, yes, let’s curb the excesses of capitalism. But let’s also start building something better.
17. April 20, 2009 1:58 pm
Link At what point will the universities with Banking, Finance, and Accountancy majors require more than a 2-credit Ethics class? Or will capitalism (and specifically the pursuit of profit) and ethics remain diametrically opposed? I imagine that derivatives, futures, and options can be learned on the job – but the development of an ethical core must happen first. To that end, can you imagine if our nation’s driving force was the sacred intertwining of ethical economics and universal human dignity? We are a professional and vocational society; what we DO best is what drives us to excellence. Let’s excel at doing what is right; let’s not excel at greed. That’s what I would like to see emerge from this crisis.
— Lisa Thomas
18. April 22, 2009 1:29 am
Link Responding to Lisa Thomas,
A number of friends of mine and I have talked about this endlessly. The consensus, held even by those who have been through business school, is that the ethical core is something that should be formed and operating by the time a person is accepted by a business school or hired by a corporation. No number of courses can inculcate that. (This discussion was stimulated by news that Harvard Business School was doing some soul searching. One of us, who had received an MBA there, said this was all PR, whitewashing what is HBS’ true moral and ethical stature — not high.)
All of us seemed to accept what seemed to be an obvious thought: Business schools and corporations knew about the ethical deficiencies of their applicants from the start and didn’t care, or even thought they were strengths.
19. April 22, 2010 4:58 am
Link Reading through these options for simplifying banking puts me in mind of is a growing sector of financial services providers that already provide a form of Limited Purpose Banking: Credit Unions. Credit Unions, less well known in Europe than the U.S., are owned by their members who invest savings in return for shares and ‘collectively’ make loans to other members based on the amount of shares invested. My two cents on the parallels is here: http://thebayberryview.wordpress.com/2010/04/21/the-future-of-retail-banking-it%e2%80%99s-simple/
— Simon R.

value: The New York Times (N.Y.T. or N.Y. Times) is an American daily newspaper based in New York City with a worldwide readership. Founded in 1851, the Times has since won 132 Pulitzer Prizes (the most of any newspaper), and has long been regarded within the industry as a national "newspaper of record".


text:
http://www.worldcat.org/oclc/212410275
Publisher: New York : Everyman's Library/A.A. Knopf, 2008.
ISBN/ISSN: 9780307268204 0307268209
OCLC:212410275
New York : Everyman's Library/A.A. Knopf, 2008.
Everyman's library, no. 202.
9780307268204 0307268209
212410275
xliii, 308 pages ; 22 cm.
Edith Wharton ; with an introduction by Peter Washington.
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text:
Object Oriented Modeling Concepts and Principles | Object Oriented Programming | Object (Computer Science)
Object oriented programming (OOP) explained with an example - pag 2.pdf
The Evolution of Object
Chapter 19 OBJECT ORIENTED MODELING, CONCEPTS AND PRINCIPLES
Chapter 19 -- Assistance -- Lamimi V. Kamat
is object-oriented development ?  Object-oriented process model  Object-oriented concepts  Object modeling technique  Unified Modeling Language (UML)  Concepts and Principles of Object Modeling  Object-oriented vs functional approach
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 2
What is OO Development ?
way of thinking about problems using models organized around real world concepts.  The fundamental construct is the object
³New´
 Combines both data structure and operations in a single entity called an object.
to reuse, faster software development and higher quality programs.  Easier to maintain
 Structure inherently decoupled  Fewer side-effects
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 3
The OO process model
through an evolutionary spiral  Emphasizes development of reuse capability
Object Oriented Concepts
and Object Model
 Object: Data and operations relevant to some real world or significant program entity encapsulated into a monolithic unit accessible only through a well defined interface. For ex. File in the file system together with operations such as open, close, read, & write,  Object Model: Describes the structure of the objects in the system
± their identity, relationships to other objects, attributes and operations.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 5
Object Modeling
 A class describes a group of objects with similar properties (attributes), common behavior (operations), common relationships to other objects, and common semantics.
Object Classes
a class is an abstraction that describes relevant properties and hides the rest. Represented diagrammatically as below. Class Name Attributes Operations
An attribute is a data value held by the objects in a class. Name, age, and weight are attributes of Person objects.
and Methods :
 Operations : An operation is a function or transformation that may be applied to or by objects in a class. Each operation has a target object as an implicit argument. The behavior of the operation depends on the class of its target.  Methods : A method is the implementation of an operation for a class.
± Categories: 1) manipulate data, 2) perform computation, and 3) monitor for occurrence of controlling event.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 10
operation may have arguments in addition to its target object. Such arguments parameterize the operation but do not affect the choice of method.
Chapter 19 -- Assistance -- Lamimi V. Kamat 11
Chapter 19 -- Assistance -- Lamimi V. Kamat 12
Polygon Vertices Border Color Fill Color Draw Erase Move
February 14, 1999 R. A. Volz
Polygon v={(0,0),(0,1),(1,0)} BC = Red FC = Blue Draw Erase Move
Chapter 19 -- Assistance -- Lamimi V. Kamat 13
Chapter 19 -- Assistance -- Lamimi V. Kamat 14
Abstraction and Encapsulation
 Isolate those aspects that are important and suppress (or hide) those that are unimportant (e.g., representations).  Focus on what object is and does before deciding how it should be implemented.  Abstraction allows dealing only with application domain concepts, not making design and implementation decision before problem is understood.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 15
(Information Hiding)
 Separates the external aspects of an object, which are accessible to other objects, from the internal implementation details of the object, which are hidden from other objects.
Data and Operations:
 The OO approach combines the data structure and operations in a single entity.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 16
<<Interface>> Class Name Operations
not have an implementation of its own.  Other classes provide implementations of it.  Client classes are only interested in behavior.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 17
Inheritance
of attributes and operations among classes based on hierarchical relationship.
Chapter 19 -- Assistance -- Lamimi V. Kamat 18
Chapter 19 -- Assistance -- Lamimi V. Kamat 19
Vertices Hypotenuse length Border Color Fill Color
Draw Erase Move
Chapter 19 -- Assistance -- Lamimi V. Kamat 20
Chapter 19 -- Assistance -- Lamimi V. Kamat 21
Chapter 19 -- Assistance -- Lamimi V. Kamat 22
Operations
 The same ³operation´ may behave differently on different classes. E.g., the move operation behaves differently on a Window and ChessPiece.  Operations may be overloaded when subclasses defined.
± The compiler can distinguish based on the type of the operands in method invocations which operation is actually needed.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 23
Polygon Paint Car Paint
Chapter 19 -- Assistance -- Lamimi V. Kamat 24
Communication
[destination, operation, params]
Chapter 19 -- Assistance -- Lamimi V. Kamat 25
What Does OO Mean?
(Coad & Yourdon)
Objects (identity) Classification Inheritance Communication Objects (identity) Classification Inheritance Polymorphism
R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 26
Object Modeling Technique
modeling technique (OMT) extends from analysis thru design to implementation  Analysis model contains objects found in the application domain, including properties of object and their operations.  These application domain objects form a framework to the design model.
Chapter 19 -- Assistance -- Lamimi V. Kamat 27
same seamless notation is used from analysis to design to implementation.  The system is modeled using three related but different view points.
 Object Model : Represents the static, structural, ³data´ aspects of the system.  Dynamic Model : Represents the temporal, behavioral, ³control´ aspects of the system.  Functional Model : Represents transformational, ³functional´ aspects of the system.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 28
 Link: A physical or conceptual connection between instances. E.g., Joe Smith Works-for Simplex company. Mathematically, a tuple, i.e., an ordered list of object instances. A link is an instance of an association.  Associations : A group of links with common structure and semantics. E.g., a person Worksfor a company. All the links in an association connect objects from the same classes.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 29
Chapter 19 -- Assistance -- Lamimi V. Kamat 30
 Specifies how many instances of one class may relate to a single instance of an associated class
Names: attributes
 One end of an association. Binary association has two roles.
 May be defined for associations, e.g., if the association is ³uses,´ the link attribute might be one of permission.
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 31
Binary Association & Multiplicity
Chapter 19 -- Assistance -- Lamimi V. Kamat 32
Chapter 19 -- Assistance -- Lamimi V. Kamat 33
Chapter 19 -- Assistance -- Lamimi V. Kamat 34
Aggregation
³part-whole´ or ³a-part-of´ relationship
Chapter 19 -- Assistance -- Lamimi V. Kamat 35
OO Software Process
Identify major classes and connections. Do enough design to ensure they are implementable Extract reusable components and build prototype. Test to uncover errors and get customer feedback. Iterate on design and refine it. Engineer special objects (not in library). Assemble a new prototype. Test and obtain customer feedback. Iterate until satisfactory product obtained.
R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 36
OO Metrics
of reuse, LOC not so useful  # of Scenario scripts, each a triplet of the form [initiator, action, participant], where
 Initiator = object initiating a request  action = result of request (method invocation)  participant = server object satisfying request
of key [highly independent] classes  # of support classes (and ave. per key class)  # of subsystems
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 37
Possible Estimating Approach
scenario scripts and estimate count  Determine the number of key classes  Categorize key classes Interface type Multiplier No GUI 2.0 Text-based user int. 2.25 GUI 2.5 Complex GUI 3.0
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 38
# of support classes by multiplying # key classes in each category by multiplier  Estimate # of person-days per class, e.g., 15-20  Estimate the number of major iterations  There should be a contract deliverable for each major iteration
February 14, 1999 R. A. Volz Chapter 19 -- Assistance -- Lamimi V. Kamat 39
OO Progress Tracking
needs to be done for each iteration (see text for list of specifics in each category)
    OO analysis completed OO design completed OO programming completed OO testing completed
Chapter 19 -- Assistance -- Lamimi V. Kamat 40
Object-Oriented vs Structured Approach
maintain  Combines data structure and behavior in a single entity  Emphasizes object structure  Reuse more readily accomplished
maintain  May separate data and behavior  Emphasizes procedural structure  Reuse limited, hence possible delay in software construction
Chapter 19 -- Assistance -- Lamimi V. Kamat 41
cohesion and weak coupling  Encapsulation, Inheritance and Polymorphism are strong features of OO software development
achieve weak Coupling and strong cohesion  Some languages support encapsulation and polymorphism, but rarely inheritance
Chapter 19 -- Assistance -- Lamimi V. Kamat 42
Documents Similar To Object Oriented Modeling Concepts and Principles
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text:
Tags By Tika: When You're Gone
Written 6/27/2016
Tube of your choice. I am using the work of Marco Guaglione. I purchased this tube when he was selling at MPT when they were in business. As far as I know you can no longer purchase his work in psp tube form.
Scrap Kit is called Black and White by Amy Marie’s Kits. You can purchase this kit at http://amymarieskits.com/store/
Sparkle tubes of your choice. You can get some at http://www.hypergurl.com/sparklestubes.html
Font of your choice. I am using Great Vibes. You can get it at https://www.fontsquirrel.com/fonts/great-vibes
0 0 100 12.00 black
Open element 40 and shift+D to duplicate. Close the original. Re-size if you wish. This is going to be the base of your tag. Make your canvas large enough to work with. Using your magic wand select the inside of the frame. Selections modify and expand by 6. Layers new raster layer and drag under the frame. Open paper 11 and copy and paste into selection. Selections select none.
Open your tube and copy and paste as a new layer. Center within the frame and erase any bits you do not want hanging out of the frame.
Add a drop shadow to both the frame and the tube.
Open element 42 and re-size by 75%. Copy and paste as a new layer and place in the lower left corner of the frame in front of your tube. Add a drop shadow.
Layers new raster layer. Apply some sparkle tubes to this layer over the black rose. I made a few and re-sized some of them.
Open element 70 and re-size by 75%. Copy and paste as a new layer and move to the bottom left corner in front of the rose. Add a drop shadow.
Open element 71 and re-size by 60%. Copy and paste as a new layer. Move to the bottom and to the right of the glass. Add a drop shadow.
Open element 81 and copy and paste as a new layer. Drag to just above the rose. Move to the bottom of the frame. Add a drop shadow.
Open element 95 and re-size by 50% 2x. Copy and paste as a new layer and move to the stem of the rose. Add a drop shadow.
Open element 66 and re-size by 50% 2x. Copy and paste as a new layer and place wherever you want on the tag. Duplicate many times and move all over the tag. Once you are done add a drop shadow to all of them.
Add some wordart if you choose to.
Posted by Raquel Case at 2:02 PM
Labels: AmyMarie, Black and White, Marco Guaglione, PTU

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text:
It's A Small World Record | eBay Skip to main contenteBayShop bycategoryEnter your search keywordAll Categories Advanced or register':' style="margin-right:3px">Hi, #USER#!'.replace(/#USER#/,a))+"")}catch(b){document.write("")}})();Hi, (Sign in to bid or buy)Daily DealsSellCustomer SupportMy eBayExpand My eBayNotifications
It's A Small World Record
View all It's A Small World
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Promoted item:3925 DISNEYLAND "IT'S A SMALL WORLD" LP VINYL RECORD & Book ~FACTORY SEALED
3925 DISNEYLAND "IT'S A SMALL WORLD" LP VINYL RECORD & Book ~FACTORY SEALED
Walt Disney presents, "IT'S A SMALL WORLD. " This wonderful vinyl LP record with booklet inside. Brand new - factory sealed. Never opened or played.
25d 14h 47m Sold by
Seller id astoundingtreasures Seller feedback score 100% Positive Feedback
astoundingtreasures (1933
Walt Disney presents "It's A Small World " LP w/ Book ST-3925
Catalog number: st 3925. TITLE: Walt Disney presents "It's A Small World" w/Book. ARTIST: Walt Disney Studios. Lp: nm. RECORD LABEL: Disneyland Records. Book:m. 1d 12h 37m left
WINSTON HIBLER It’s A Small World Part I 3925 LP U5989
South America(Brasil, Argentina ) Shipping Cost :The Small packet is Weight limited 2000g(2kg). It may be late for a schedule that a parcel arribes under a postal situation. U.s.a. 2d 11h 37m left
ANIME / "NM WAX" Walt Disney Presents It's a Small World STER-1289 LP x5028
Condition : Cover: EX, Vinyl: NM. ( Mint NM EX+ EX VG+ VG ) South America(Brasil, Argentina ) Shipping Cost :The Small packet is Weight limited 2000g(2kg). It may be late for a schedule that a parcel ...
HEAR DISNEY 45 It's A Small World DISNEYLAND N.Y. World's Fair Souvenir w/Mailer
Disneyland 775. Walt disney presents. It s a small world - part i english swedish swiss yodeler / it s a small world - part ii japanese italian english. 17d 18h 53m left
ANIME / It's a Small World STER-1289 LP x1114
South America(Brasil, Argentina ) Shipping Cost :The Small packet is Weight limited 2000g(2kg). It may be late for a schedule that a parcel arribes under a postal situation. U.s.a. 2d 13h 7m left
Buy It Now walt disney it's a small world 1964 Record, read along book
Old Disney record, check out photos, and email me with any questions.
MIKE CURB CONGREGATION IT'S A SMALL WORLD LP NEAR MINT VINYL DISNEY VISTA 1973
Classic 70's children disney music vinyl record -- -- the mike curb congregation it's a small world walt disney's greatest hits lp vinyl record. Item is as pictured. It is a must for any fan or collec...
Rodney Crowell & Rosanne Cash 45 It's Such A Small World Columbia Label
Record is in Very Good condition.
RARE THE SMOOTHIES It's a small world Searching for a rainbow BULLET 1071 USED!!
Trailing wax: Side 1: "BU-1071-A 3C". Side 2: "BU-1071-B 3C". Items in this lot are:It's a small world / Searching for a rainbow -- Label: Bullet -- Record#: 1071. The Smoothies ** 78 rpm ** 10" ** RA...
The Mike Curb Congregation - It's A Small World LP 5006
I played this record on my system and it sounded just fine. A little noise here or there but overall not bad. I have not cleaned this record.
Buy It Now "Unbreakable Hearts/Tips of my Fingers/It's a Small World" Square Dance Records
2 with dance instruction sheets. Original paper sleeves.
Disneyland Records "IT'S A SMALL WORLD" 45rpm 1966
Vg condition four languages side a english swedish side b japanese italian.
1964 Disneyland LP Record Gateway Book Disney It's a Small World 3925
In very good condition : A used record which has no serious damage. As stated above, I only visually inspected this record. The record has some minor scratches on each side. 16h 23m left
Buy It Now Disneyland Boys Choir – It’s A Small World LP Good Wb3 Disneyland Boys Choir – It’s A Small World LP Good Wb3 Disneyland Boys Choir – It's A Small World. Hawaii--Aloho Oe; United States--Home On The Range, It's A Small World. 28d 14h 5m left
WALT DISNEY PRESENTS IT'S A SMALL WORLD 1963
Record has a couple of light scratches. Cover is in good condition. Has booklet. If you're the winner of multiple.
Buy It Now Disneyland Boys Choir - It's A Small World
Label:Disneyland - 1289. A1 It's A Small World. B6 Hawaii--Aloho Oe; United States--Home On The Range, It's A Small World. Genre:Children's, Folk, World, & Country. VG+:Condition is very good, showing...
1965 Walt Disney 's IT'S A SMALL WORLD Folk Songs Boys Choir Disneyland Record WALT DISNEY Presents "It's A Small World: 18 Favorite Folk Songs" featuring The Disneyland Boys Choir under the direction of Paul Salamunovich, arrangements by Willard Jones / Produced by Camarata. 21d 14h 1m left
Walt Disney It's a Small World LP 1963
Inside cover is a book with pictures of the Small World attraction. Some wear to the cover and some scratches on the record. I don't have a way to play the record to check it.
Walt Disney's "It's A Small World" Vinyl 33 LP Children's Record Album VG 1965
Walt Disney's "It's A Small World" Vinyl 33 LP Children's Record Album VG Stereo 1965. CLICK HERE TO VIEW OUR OTHER LP 33 Records. In an ideal world, every record would be played before it is graded. 3d 12h 44m left
Buy It Now Disneyland Record: It's A Small World (45 RPM)
Disneyland Record: It's A Small World (45 RPM). Used, Cover Record in GREAT Condition. 1964, lg 775. In protective plastic sleeve. Smoke-free pet-free home.
MYRON FLOREN, It's A Small World; Peanuts Polka on 45 RPM Record
Myron Floren on 45 RPM Record RANWOOD R-870STEREO. A Side:It's A Small World B Side:Peanuts Polka.
WALT DISNEY IT'S A SMALL WORLD, DISNEYLAND LP
Buy It Now walt disney book and long-playing record of it's a small world
a magnificent full-color illustrated book and long-playing record Walt Disney presents it's a small world.
Buy It Now Disneyland Boys Choir, It's A Small World 7" EP Sleeve and Booklet FS-909 1972
Walt Disney record " Its a small world" number 3925
I am selling 2 records but I will be honest with you and let you know the story book inside one of the books has been torn out. But the second book I in tack. Both cases have a good record in them.
DISNEYLAND VINTAGE RECORD DUO It's A Small World/ChillingThrilling Haunted House
Dual 1964 DISNEYLAND records. The first album is for It's A Small World featuring a full color booklet and narration along with the famous and unending tune. 5d 14h 36m left
Buy It Now 1965 DISNEYLAND BOYS CHOIR, "IT'S A SMALL WORLD" LP VINYL RECORD ~FACTORY SEALED
This wonderful vinyl LP record features 18 favorite folk songs sung by the Disneyland Boys Choir, under direction of Paul Salamunovich. Arrangements by Willard Jones and produced by Camarata. 25d 14h 40m left
Walt Disney Presents It's A Small World Album c.1965
This auction is for a Walt Disney Present It's A Small World 18 Favorite Folk Songs Album c.1965. The cover shows some fading and is slit on the bottom. The album appears to be in good condition and i...
Buy It Now 1964 Vintage Walt Disney It's A Small World Record Album With Story Book Insert
Happy 50th Anniversary to It's A Small World!! This is a great memento of that great occasion! This is a record and a Storybook with a 1964 copyright, by Walt Disney productions/Disneyland Records. 6d 10h 36m left

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text:
PUERTO RICO DEMOCRAT CORNER: DC VOTE ACT PASSES SENATE COMMITTEE BY HUGE MARGIN!
DC VOTE ACT PASSES SENATE COMMITTEE BY HUGE MARGIN!
The DC Voting Act that would facilitate the District of Columbia with the morally and deserving full representation in Congress has passed with an overwhelming support of votes within Senate Committee that would give District of Columbia residents their first-ever voting member of Congress and add a seat for Utah. The only member of the Committee that voted against this measure was the one and only John McCain, which confirms the theory mentioned by residents of Puerto Rico and DC during the past presidential campaign which assured that if elected President, John McCain would never have been a friend for DC representation rights, much less Puerto Rico voting and representation rights!
The district of Columbia is on the verge of making history by becoming the first American jurisdiction with full fledged voting and representation rights despite of NOT being a state. Once again, the Democratic Party has begun to demonstrate that when our nation is confronted with issues such as adequate DC representation, doing the right thing weighs in far more than political or bureaucratic obstacles and concerns. Our Democratic Congress has immediately sent a message that this new administration will be one of inclusiveness of all American citizens and not a nation of exclusion that hurts our international image worldwide.
The passing of this Bill on the Senate floor is all that is left for our nation to take the next big step in our history, and would open the door for the four million American citizens of Puerto Rico to rightfully claim equal voting and represenation rights as well. Puerto Rico, like Washington, DC has one non voting member of the House of Representatives, yet counts with over four million citizens which in turn means the island would have over 6 members to the House and 2 Senators if it were to become a state.
President Barack Obama shouted , "Change has come to America!", the day he captured the Presidency. According to the Democratic House and Senate's actions in regards to this issue today ,we now see that " change in America " is very real and is here to stay! Write your member of Congress and Senators today to help garner the 60 filibuster proof Senate votes to make this change a reality!
Posted by Phillip Arroyo at 1:30 PM
Obama's First Time on Air Force One
DC VOTE ACT PASSES SENATE COMMITTEE BY HUGE MARGIN...


text:
conscious living poetry journal: 12/01/2005 - 01/01/2006
Empty Cradle SongsBy Chase Twichell I think about the roomsin which my parents sleptas children, what hungon the walls. In my Mom's room,angels with watering canssprinkled the green and bloomingearth and all its creatures,still there at nightunder the see-in-the-dark stars.Angel rain fell on her infant fearof the furnace-clank,her breath pumped from smallmoist bellows into the nightair of the room in which she sleptright up to the wedding,the getaway.Dad's room was erased when hewent off to school at fourteen.By Christmas it was a guest room.New wax, new blinds.He remembers the gray-greenlawns of the interior,many clocks ticking,but not his room.Not a trace of it,though he remembers his toys.There's a picture of himwith a little wheelbarrow,probably two years old,wailing, making baby fists,yet picked up by no one,not even whoever's standingten feet away from himsnapping the shot.
on education..."Education is the ability to listen to almost anything without losing your temper or your self-confidence." — Robert Frost
on learning..."It's what you learn after you know it all that counts." — John Wooden, Hall of Fame Basketball Coach
...the wanderer...
winter's hush...Winter, in the eleventh monthSnow falls thick and fast.A thousand mountains, one color.People of the world passing this way are few.Dense grass conceals the door.All night in silence, a few woodchips burn slowlyAs I read the poems of the ancients.--Ryokan
awakening..."The Second Patriarch Hui-k’o stood in the snow, cut off his arm, and awakened. The Sixth Patriarch heard someone recite the Diamond Sutra phrase “arouse the mind without placing it anywhere,” and he awakened. Ling-yun saw a peach blossom and awakened. Hsiang-yen heard a tile fragment strike bamboo, and he awakened. Lin-chi was given sixty blows by Huang-po, and he awakened. Tung-shan noticed his own reflection when he was crossing a river, and he awakened. In each case, these men met the Master." -- Daito
allow the light to shine through youGlouchester CathedralPhoto Credit: Joseph Kaye
our experience..."We are not human beings having a spiritual experience. We are spiritual beings having a human experience." --Pierre Teilhard de Chardin
could this be true?"It's a kind of spiritual snobbery that makes people think they can be happy without money." --Albert Camus
without joy, where are we?"Man cannot live without joy; therefore when he is deprived of true spiritual joys it is necessary that he become addicted to carnal pleasures." --Saint Thomas Aquinas
things are getting pretty bad out there...
should i use a hoover or a dyson?Q: Why did it take the Buddha forever to vacuum his sofa?A: Because he didn't have any attachments.
yogi's first trip to the dentist..."Did you hear about the yogi who was having a filling put in a tooth. When the dentist asked him if he wanted novocaine. The yogi said "No. I can transcend dental medication."
meditation jokes..."Meditation - You have the right to remain silent.""Don't just do something, sit there.""Life is hard. It's breathe, breathe, breathe, all the time."
live consciously..."Wisdom is not a question of learning facts with the mind; it can only be acquired through perfection of living." --N. Sri Ram
in your dreamsPhoto Credit: Starceiling.com
can you imagine when love first arose?In the beginning Love arose,which was the primal germ cell of the mind.The Seers, searching in their hearts with wisdom,discovered the connection of Being in Nonbeing.A crosswise line cut Being from Nonbeing.What was described above it, what below?Bearers of seed there were and mighty forcesthrust from below and forward move above.-Rig Veda, from "Teachings of the Hindu Mystics(And thanks to Dan Shimp for reminding me of this one some time ago.)
clinging..."Life is both pleasure and pain, is it not? ... But why should we cling to pleasure and avoid pain? Why not merely live with both? ...If you cling to pleasure what happens? You get attached, do you not?" --Jiddu Krishnamurti
Winter SunrisePhoto Credit: Agriculture Dept., CSU, Stanislaw
create some space for truth..."To teach is to create a space in which obedience to truth is practiced." --Abba Felix
try your beliefs..."Believe nothing merely because you have been told it... Do not believe what your teacher tells you merely out of respect for the teacher. But whatsoever, after due examination and analysis, you find to be kind, conducive to the good, the benefit, the welfare of all beings - that doctrine believe and cling to and take it as your guide." --Buddhist Aphorism
Merry Christmas!My only wish for the world on this Christmas morning is for peace and an end of suffering to all sentient beings.
Memories from the 1950sStone & Thomas Dept. StoreWheeling, WVPhoto Credit: Wheeling Heritage
Christmas Tree, Sterling-Lindner-Davis, Cleveland, 1960Photo Credit: Cleveland Press Photo Collection
Christmas, 1955Higbee's Department Store, ClevelandPhoto Credit: Cleveland Press Photo Collection
parceling out our compasssion..."...everbody thinks that compassion is important, and everyone has compassion. True enough, but the Buddha gave uncommon quintessential instructions when he taught the methods for cultivating compassion, and the differences are extraordinarily important.Generally, everyone feels compassion, but the compassion is flawed. In what way? We measure it out. For instance, some feel compassion for human beings but not for animals and other types of sentient beings. Others feel compassion for animals and some other types of sentient beings but not for humans. Others, who feel compassion for human beings, feel compassion for the human beings of their own country but not for the human beings of other countries. Then, some feel compassion for their friends but not for anyone else. Thus, it seems that we draw a line somewhere. We feel compassion for those on one side of the line but not for those on the other side of the line. We feel compassion for one group but not for another. That is where our compassion is flawed. What did the Buddha say about that? It is not necessary to draw that line. Nor is it suitable. Everyone wants compassion, and we can extend our compassion to everyone."-- From Lectures on Kamalashila's 'Stages of Meditation in the Middle Way School' by Kenchen Thrangu Rinpoche, translated by Jules B. Levinson, published by Snow Lion Publications
the natue of mind is pure..."Our teacher, Sakyamuni Buddha, is one among the thousand Buddhas of this aeon. These Buddhas were not Buddhas from the beginning, but were once sentient beings like ourselves. How they came to be Buddhas is this.Of body and mind, mind is predominant, for body and speech are under the influence of the mind. Afflictions such as desire do not contaminate the nature of the mind, for the nature of the mind is pure, uncontaminated by any taint. Afflictions are peripheral factors of a mind, and through gradually transforming all types of defects, such as these afflictions, the adventitious taints can be completely removed. This state of complete purification is Buddhahood; therefore, Buddhists do not assert that there is any Buddha who has been enlightened from the beginning."-- From The Buddhism of Tibet: The Dalai Lama translated and edited by Jeffrey Hopkins, published by Snow Lion Publications
Cleveland's Public Square, 1912Photo Credit: U.S. Library of Congress
Cleveland's Luna Park, 1905Photo Credit: U.S. Library of Congress
he who pens the past..."Imagination plays too important a role in the writing of history, and what is imagination but the projection of the author's personality." --Pieter Geyl
history's myth..."To know the truth of history is to realize its ultimate myth and its inevitable ambiguity." --Roy P. Basler
on history and poetry..."Historical sense and poetic sense should not, in the end, be contradictory, for if poetry is the little myth we make, history is the big myth we live, and in our living, constantly remake." --Robert Penn Warren
Holiday CookiesPhoto Credit: Stan Sholik
what our mind dwells upon..."If the Mind dwells upon the spiritual things, then it follows that it becomes what it has dwelt upon, what it has lived upon, what it has made itself a portion of. But if the Mind dwells upon self-indulgences, self-aggrandizement, self-exaltation, selfishness in any of its forms, in any of its variations, then it has set itself at variance to that First Cause: and we have that entered in as from the beginning, that of making will--through the Mind--at variance to Creative Forces before it has come into the movements of matter that we know as physical, material." --Edgar Cayce
seek inner harmony..."To be wise is to live in an inner harmony that eventually overcomes all outer discords." --N. Sri Ram
ice slivers clingto upstretched branches--reaching for hopeinto a sky forever--beyond where we can see.
in patience there is peace..."Your world needs to manifest the spiritual aspects of love, and the first of these is patience. In order to help you lift your love on to a higher plane, the things you desire are withheld for a time that you may learn to wait in patience and in peace, for truly in patience there is peace." --Ramadahn
'tis the season..."Be kind and merciful. Let no one ever come to you without coming away better and happier. Be the living expression of God's kindness." -- Mother Teresa
living in the moment...“Treat each moment like a newborn baby. Behold its beauty and mystery. Hold it, without clinging. Pull it next to your chest and let it feel your heart beat. Kiss it tenderly and smile upon what life has brought. Trust your power to love the moment and the Divine will show itself to you.” –Don Iannone
Look out your window,Open your eyes--so you can seewhat beautiful awaits youon a moon-lit winter night.
the choice to love..."Love is a choice you make from moment to moment." --Barbara De Angelis
the death of love..."Love never dies a natural death. It dies because we don't know how to replenish its source. It dies of blindness and errors and betrayals. It dies of illness and wounds; it dies of weariness, of witherings, of tarnishings." --Anais Nin
first love..."How on earth are you ever going to explain in terms of chemistry and physics so important a biological phenomenon as first love?" --Albert Einstein
ice crystalsPhoto Credit: FreeNaturePhotos.com
what's really important?"Living with the immediacy of death helps you sort out your priorities in life. It helps you to live a less trivial life." --Sogyal Rinpoche
what is self?"The Self usually begins as a random stream of sensory material -- sounds, images, tactile sensations, scents, flavors, stimulate the nervous system and, through a series of neurochemical processes affect the brain forming first impressions an the brain tissue. The key aspect of it is its randomness, every one is exposed to a different mosaic of impressions and everyone's nervous system react to them differently due to infinite variations of the genetic material regulating functioning of each person's nervous system.So these first random impressions constitute the mosaic-like core of one Self, one's core-identity, the first filter/screen controlling the precursors of mental (neurocognitive) functioning.So, at it's foundation the self is not other that the external world imposing itself (IMPRINTING itself) on the brain, colonizing the innocent tissue by organizing it to respond with internal images, sounds, voices, etc.In the second stage, there is the process of connecting that internal mosaic imprinted on the brain to others in the world. Child's survival in the give and take of social world depends on successful development means to interact with others. The main means is language which serves as the primary vehicle of articulating the self in the world and for the world. Without it the growing individual becomes a deviant labeled retarded, asocial , psychologically sick etc.And we are not approaching it on the level of psychology of cognition, perception, representation or the inner workings of the psychoanalytic conscious/unconscious."Source: MindIs.com (Website on Buddhist Psychology and other things)
EmbracePhoto Credit: Paul Klee Collection
clear the dust from your mirror...“The Body is like the sacred Bodhi Tree,From dust ever keep it free,The mind... a reflecting mirror,Let not dust be its cover.”(Shen-hsiu)
wish to learn a little sanskrit?Visit the Digital Library and Museum of Buddhist Studies
motivation in buddhist psychology..."Perhaps the most logical starting point is the theory of motivation. What drives people in their behaviors? What motivates human action? The unenlightened person's behavior, it is said, is governed and driven bytanha, or craving, which, as noted in a previous paragraph, is given as thecause of "suffering" or "unsatisfactoriness" in the Second Noble Truth. Tanha is classified into three basic forms: kama tanha (craving for sensory gratification); bhava tanha (craving for survival or continued existence);and vibhava tanha (craving for annihilation)" Source: Silva Padmal, Current Psychology, 1990
Remembrance of a GardenPhoto Credit: Paul Klee Collection
waiting for the full moon mind..."Clear mind is like the full moon in the sky. Sometimes clouds come and cover it, but the moon is always behind them. Clouds go away, then the moon shines brightly. So don't worry about clear mind: it is always there. When thinking comes, behind it is clear mind. When thinking goes, there is only clear mind. Thinking comes and goes, comes and goes, You must not be attached to the coming or the going." —Zen Master Seung Sahn
the inevitable..."A flower falls, even though we love it; and a weed grows, even though we do not love it." —Dogen
one from gentle-man jack...Had to pass this one along. Click here and read for yourself at jackzen
we need this as winter falls upon us with her cold white coat...Photo Credit: Sights by Elizabeth
understanding the continuum..."There is no well-defined boundary between honesty and dishonesty. The frontiers of one blend with the outside limits of the other, and he who attempts to tread this dangerous ground may be sometimes in one domain and sometimes in the other." ~O. Henry, Rolling Stones, 1912
also consider..."A truth that's told with bad intent beats all the lies you can invent." ~William Blake
on honesty..."A half truth is a whole lie." ~Yiddish Proverb
change the world, change the heart..."To put the world right in order, we must first put the nation in order; to put the nation in order, we must first put the family in order; to put the family in order, we must first cultivate our personal life; to put our personal life in order, we must first set our hearts right."Source: Confucius
One man's life--but a single drop of water.One man's dream--but a solitary blink of a distant star.On man's time--but a fleeting momentin an endless Universe.
i beg thee, tell me where to find truth..."It is in the everyday and the commonplace that we learn patience, acceptance, and contentment." - Richard J. Foster
what do we really know?"A child said, What is the grass? fetching it to me with full hands; How could I answer the child?. . . .I do not know what it is any more than he." - Walt Whitman
things look different?Conscious Living has a new look, and who knows, maybe you are seeing life with new eyes.
Autumn Begins in Martins Ferry, OhioBy James WrightIn the Shreve High football stadium,I think of Polacks nursing long beers in Tiltonsville,And gray faces of Negroes in the blast furnace at Benwood,And the ruptured night watchman of Wheeling Steel,Dreaming of heroes.All the proud fathers are ashamed to go home.Their women cluck like starved pullets,Dying for love.Therefore,Their sons grow suicidally beautifulAt the beginning of October,And gallop terribly against each other's bodies.
before we despair, remember..."Although the world is full of suffering, it is full also of the overcoming of it." -- Helen Keller
sit with this..."Emptiness is in fact form when we forget the self. There's nothing in the universe *other* than ourself. Nothing to compare, name, or identify. When it's the only thing there is, how can we talk about it?" --Taizan Maezumi
from the meditation cushion: is life really a journey?We're accustomed to thinking of life as a journey, but is it really?Ok, life is a "trip." I'll grant you that.Where do we "really" go in life? Have you really gone any where during your life? No, please don't tell me about your latest vacation to Italy.Do we really go any where? You are where you have always been. Following me? No, please don't follow me because I'm not going any where.What if we simply gave up the idea that life is a journey and just accepted there is no where to go except where we have always been?Granted, this notion could put lots of "travel agents" out of business. But were they ever really in business?
Blessed be the Christmas tree--the symbol of eternal life. Here is a photo of Mary and Don's tree right after it was decorated on December 11, 2005. Not surprisingly, the kittens (Daisy, Karma, and Lily) love the tree. This is their first.
Count your heart's reasons..."The heart has its reasons which reason knows not of."- Pascal
Tuesday Thought: The Early Days of LoveNo time of life is so beautiful as the early days of love, when with every meeting, every glance, one fetches something new home to rejoice over.- Soren Kierkegaard
How true..."I know nothing except the fact of my ignorance".--SocratesPS: Knowing that you don't know and cannot really know is wisdom
Monday Thought: Remember"Every primeval withdrawal from the battle of life, merely because it involves stress and strain which we think is too much for us, fails to fulfil the object with which we have entered that battle."--N. Sri Ram,
Expect enchantment in your life, but allow it to surprise you. Accept the lessons it teaches. The outer world only reflects the inner world. Computer viruses, flat tires, misplaced Blackberries, buying new furniture for your house, finding just the right Christmas--each a lesson in paying attention to what is. Posted by
Sunday Thought: Walk the Medicine WheelFour Elements Medicine Wheel PrayerSource: care2O Great Spirit of the East,radiance of the rising Sun,spirit of new beginningsO Grandfather Fire,great nuclear fire of the Sun.From you comes life-energy,vital spark, power to see far,and to envision with boldness;with you we can purify the senses,our hearts and our minds.We pray that we may be aligned with you,so that your energies may flow through us,and be expressed by us,for the good of this planet Earth,and all living beings upon it.O Great Spirit of the South,protector of the fruitful land,and of all green and growing things,the noble trees and grasses.Grandmother Earth, Soul of Nature,great power of the receptive,of nurturance and endurance,of bringing forth and growing,flowers of the field,fruits of the garden.We pray that we may be aligned with you,so that your powers may flow through us,and be expressed by us,for the good of this planet Earth,and all living beings upon it.O Great Spirit of the West,spirit of the great waters,of rain and rivers, lakes and springs;O Grandmother Ocean,deepest matrix, womb of all life.With you comes the dissolvingof boundaries and holdings,the power to taste and to feel,to cleanse and to heal.Great blissful darkness of peace.WE pray that we may be aligned with you,so that your powers may flow through us,and be expressed by us,for the good of this planet Earth,and all living beings upon it.O Great Spirit of the North,invisible spirits of the air,and of the fresh, cool winds;O vast and boundless Grandfather Sky,your living breath animates all life.From you comes clarity and strength,and the power to hear inner sounds,to seep out old patterns,and bring challenge and change.The ecstasy of movement and the dance.We pray that we may be aligned with you,so that your powers may flow through us,and be expressed by us,for the good of this planet Earth,and all living beings upon it.
Mysticism"Mysticism is usually defined in dictionaries and encyclopedias as a spiritual discipline used to make contact with the divine. While this definition is frequently correct, there have been many people who have had mystical experiences without following a special discipline. Conversely, many people have followed a set of spiritual practices carefully and for a prolonged period but have never contacted the divine. The mystical event is a personal experience during which one feels as though one has been touched by some higher or greater truth or power. This may occur inside or outside of a religious setting, within or outside a religious tradition.""The most beautiful and profound emotion we can experience is the sensation of the mystical." Source: Albert Einstein Source: Oneness Commitment
Things looking up...Photo Credit: Paul Downey Blog
Saturday Thought: What Do i Know?"I know nothing except the fact of my ignorance".--Socrates
Being/NonbeingIn the beginning Love arose,which was the primal germ cell of the mind.The Seers, searching in their hearts with wisdom,discovered the connection of Being in Nonbeing.A crosswise line cut Being from Nonbeing.What was described above it, what below?Bearers of seed there were and mighty forcesthrust from below and forward move above.-Rig Veda, Teachings of a Hindu Mystic
Carlos Castaneda's Don Juan's TeachingsTranscend the self-importance in your life. Learn to be a warrior.On Carlos Castaneda.
My heart takes flight...
Friday Thought: Follow the Meditative Path"These two paths, the light and the dark, are said to be eternal, lending some to liberation and others to rebirth. Once you have known these two paths, Arjuna, you can never be deluded again. Attain this knowledge through perseverance in yoga. There is merit in studying the scriptures, in selfless service, austerity, and giving, but the practice of meditation carries you beyond all these to the supreme abode of the highest Lord."- Bhagavad Gita 8:26-28
One to ponder..."Among the blind, the squint rules." --Hindu proverb
Prairie GrassPhoto Credit: alice.bowe
One for the road..."The mind, the Buddha, living creatures - these are not three different things." —Avatamasaka Sutra Posted by
Makes you want to laugh..."Since everything is but an apparition, having nothing to do with good or bad, acceptance or rejection, one may well burst out in laughter." —Longchenpa
Thursday Thought: How We Live"Thus we see that the all-important thing is not killing or giving life, drinking or not drinking, living in the town or the country, being lucky or unlucky, winning or losing. It is how we win, how we lose, how we live or die; finally, how we choose. We walk, and our religion is shown (even to the dullest and most insensitive person), in how we walk. Living in this world means choosing, and the way we choose to walk is infallibly and perfectly expressed in the walk itself." —R. H. Blyth Posted by
Winter in the distance, and yetnot so far away.
On Enlightenment..."Anything that is created must sooner or later die. Enlightenment is permanent because we have not produced it; we have merely discovered it."--Chogyam Trungpa
Wednesday Thought: Our Religion?"My religion is to live and die without regret."--Milarepa
One to ponder..."If you live the sacred and despise the ordinary, you are still bobbing in the ocean of delusion." --Zen Master Lin-Chi
Winter sunPhoto Credit: AAA Themes
One to ponder..."The religion of the future will be a cosmic religion. It should transcend personal God and avoid dogma and theology. Covering both the natural and the spiritual, it should be based on a religious sense arising from the experience of all things natural and spiritual as a meaningful unity. Buddhism answers this description...If there is any religion that could cope with modern scientific needs, it would be Buddhism." --Albert Einstein Posted by
Tuesday Thought: We All Need TeachersAll know the Way, but few actually walk it.If you don't find a teacher soon, you'll live this life in vain. It's true, you have the buddha-nature. But without the help of a teacher you'll never know it. Only one person in a million becomes enlightened without a teacher's help. If, though, by the conjunction of conditions, someone understands what the Buddha meant, that person doesn't need a teacher. Such a person has a natural awareness superior to anything taught. But unless you're so blessed, study hard, and by means of instruction you'll understand--Bodhidharma Posted by
Monday Thought: Our Nonsense"Just as the highest and the lowest notes are equally inaudible, so perhaps, is the greatest sense and the greatest nonsense equally unintelligible."--Allan Watts
Winter Berries and Signs of What IsPhoto Credit: Panner.org
Imagine Waking Up to This Winter Wonderland
Sunday Thought: Make the Case for Change"The most damaging phrase in the language is: 'It's always been done that way.'--Grace Murray Hopper
One to remember..."Following the course of least resistance makes for crooked rivers and crooked men."--Lanny Henninger
Let the Light Shine Through Your SorrowPhoto Credit: Gene Myers' Home PageSo much of life is about remembering--who we arewhat we stand for, andwhy we're here.Don't forget--to let your light shine through.
On despair..."Action is the antidote to despair." --Joan Baez"But what we call our despair is often only the painful eagerness of unfed hope." --George Eliot"It becomes no man to nurse despair, but, in the teeth of clenched antagonisms, to follow up the worthiest till he die." --Alfred, Lord Tennyson
Candle on the Window SillPhoto Credit: Trek LensThrough the eye of the candlemy world regained focus.Cloaked in new-found hopedripping tears of joysomething inside me--shifted, and turned upward.I saw all--that I ever wanted to knowin the flickering eye of the candleon the window sill. Posted by
Enter with good tidings and thanksgiving.
Friday Thought: What We Think and Say"All that we are is the result of what we have thought. If a man speaks or acts with an evil thought, pain follows him. If a man speaks or acts with a pure thought, happiness follows him, like a shadow that never leaves him." --Buddha
On leadership..."I must follow the people. Am I not their leader?"~ Benjamin Disraeli
Imagine you are seated before this blazing fire. Hear the embers crackle. Smell the sweet smoke. Watch as the flames dance to the night breeze that drifts across the forest where you are encamped.Photo Credit: Stockholm Skamsen
Thursday Thought: The Real Tie That Binds"The bond that links your true family is not one of blood, but of respect and joy in each other's life."--Richard Bach
One to ponder..."It is human to think wisely and act in an absurd fashion."--Anatole France
Remember Who You AreBy Cathy Boltonon Conversations with God, Disc 2Windham Hill Collection, 1998.Click here to remind yourself you are really are.
Empty Cradle Songs
By Chase Twichell I think abo...
"Education is the ability to list...
"It's what you learn after you kno...
winter's hush...
Winter, in the eleventh month
"The Second Patriarch Hui-k’o stood ...
allow the light to shine through you
Glouchester C...
"We are not human beings having...
"It's a kind of spiritual sno...
without joy, where are we?
"Man cannot live witho...
things are getting pretty bad ...
should i use a hoover or a dyson?
Q: Why did it t...
yogi's first trip to the dentist...
"Did you hear...
meditation jokes...
"Meditation - You have the ri...
live consciously...
"Wisdom is not a question of ...
Photo Credit: Starceiling.com
can you imagine when love first arose?
In the beg...
"Life is both pleasure and pain, is i...
Photo Credit: Agr...
create some space for truth...
"To teach is to cr...
try your beliefs...
"Believe nothing merely becau...
My only wish for the world on th...
Christmas Tree, Sterling-Lindn...
Christmas, 1955
Higbee's Depart...
parceling out our compasssion...
"...everbody thi...
the natue of mind is pure...
"Our teacher, Sakyam...
Cleveland's Public Square, 1912
Photo Credi...
Cleveland's Luna Park, 1905
he who pens the past...
"Imagination plays too im...
history's myth...
"To know the truth of history i...
on history and poetry...
"Historical sense and po...
Photo Credit: Stan Sholik
what our mind dwells upon...
"If the Mind dwells ...
seek inner harmony...
"To be wise is to live in a...
ice slivers cling
to upstretched branches
--reachi...
in patience there is peace...
"Your world needs t...
"Be kind and merciful. Let no ...
“Treat each moment like a...
--so you can ...
the choice to love...
"Love is a choice you make ...
the death of love...
"Love never dies a natural d...
"How on earth are you ever going to...
Photo Credit: FreeNaturePhotos.com
"Living with the immedia...
"The Self usually begins as a rando...
Photo Credit: Paul Klee Collection
clear the dust from your mirror...
“The Body is l...
wish to learn a little sanskrit?
Visit the Digita...
motivation in buddhist psychology..."Perhaps the m...
Remembrance of a Garden
Photo Credit: Paul Klee Co...
waiting for the full moon mind...
"Clear mind is ...
"A flower falls, even though we...
one from gentle-man jack...
Had to pass this one ...
we need this as winter falls upon us with her col...
understanding the continuum...
"There is no well-...
"A truth that's told with bad in...
on honesty...
"A half truth is a whole lie." ~Yi...
change the world, change the heart...
"To put the...
One man's life--
but a single drop o...
i beg thee, tell me where to find truth...
"A child said, What is th...
Conscious Living has a new...
By James Wrig...
before we despair, remember...
"Although the worl...
sit with this...
"Emptiness is in fact form when ...
from the meditation cushion: is life really a jour...
Blessed be the Christmas tree--the symbol of eter...
Count your heart's reasons...
"The heart has its ...
Tuesday Thought: The Early Days of Love
No time o...
"I know nothing except the fact of my...
Monday Thought: Remember
"Every primeval withdraw...
Expect enchantment in your life, but allow it to s...
Sunday Thought: Walk the Medicine Wh...
"Mysticism is usually defined in dictio...
Things looking up...
Saturday Thought: What Do i Know?
"I know nothing...
Being/Nonbeing
In the beginning Love arose,
Carlos Castaneda's Don Juan's Teachings
Transcen...
Friday Thought: Follow the Meditative Path
One to ponder...
"Among the blind, the squint rul...
Photo Credit: alice.bowe
"The mind, the Buddha, living...
Makes you want to laugh...
"Since everything is b...
Thursday Thought: How We Live
"Thus we see that t...
Winter in the distance, and yet
On Enlightenment...
"Anything that is created mus...
Wednesday Thought: Our Religion?
"My religion is ...
"If you live the sacred and desp...
Photo Credit: AAA Themes
"The religion of the future will...
Tuesday Thought: We All Need Teachers
All know th...
Monday Thought: Our Nonsense
"Just as the highest...
Winter Berries and Signs of What Is
Sunday Thought: Make the Case for Change
"The mos...
"Following the course of least...
Let the Light Shine Through Your...
On despair...
"Action is the antidote to despair....
Candle on the Window Sill
Photo Cre...
Enter with good tidings and t...
Friday Thought: What We Think and Say
"All that w...
"I must follow the people. Am I ...
Imagine you are seated before this blazing fire. ...
Thursday Thought: The Real Tie That Binds
"The bo...
"It is human to think wisely and...
By Cathy Bolton
on Conversati...


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OktDoverFest 2018 (com fotos): os 20 melhores lugares para se hospedar para OktDoverFest 2018 - Aluguéis e casas de férias - Airbnb em Dover
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Convenient access to the downtown area in 5 mins. Close (less than 10 minutes) to Dover Downs and the Dover international speedway. Quiet neighborhood with parking on the in the parking way on the property. The bathroom is shared
Quarto inteiro · Dover
Your room is very quiet, large king bed, comfy cotton sheets and pillows, and large private bath with double vanity, plenty of towels, and rainfall shower. Central AC and ceiling fan. Comes with Lite breakfast of yogurt, fruit, juice/coffee/tea if you would like.
Our home backs onto quiet golf course, nice for evening strolls. You may use the kitchen, store items in the fridge, and gain general access to spaces, and laundry.
Two Miles from Tax-Free Shopping, Restaurants, Casino, Nascar, University (Wesley, DSU), and Central Dover. Our home is in established neighborhood, with overgrown trees, and very quiet, near Maple Dale Golf Course. Dover has so many great restaurants including Flavor of India, Outback, Longhorn Steakhouse, Olive Garden, Red Lobster, Bob Evans, and new Panera, Mission Bbque, Mod5 pizza, Salad Works, Green turtle, Grotto Pizza, Jersey Mikes Subs, Panda Express, and others.
King Bed, Sofa, Amazon TV
Get away and enjoy the peace and quiet of a country setting. Our space is located above the detached garage. We are conveniently located to the following attractions (MapQuest): approx. 2 miles from Dover Downs/Woodlands, 4.9 from Wesley College, 5.4 from U of D, 5.8 from Kent General Hospital, 5.7 from Bombay Hook National Wildlife Refuge, and 11.7 from DAFB. For more awesome places visit (Website hidden by Airbnb)
The apartment has just recently (Oct. 27th) been freshly painted and new furniture added! Spacious back yard including a beautiful pond and relaxing hammock. We live on a quiet street surrounded by large pine trees. It is the perfect road for a long walk. There is a river a half mile down the road with boating access.
Apartamento inteiro · Dover
Whistling Pines - Apartment
Come stay in the serene area of established Dover neighborhood. Upstairs room with Queen Bed overlooking Golf Course. Extra twin bed if needed (third person is a $10 extra fee) Your Shared half-bath is downstairs (no shower unless other rooms are not booked). Lite breakfast included.
The space is upstairs and lightly shared downstairs 1/2 bath no shower but plenty of towels and washcloths. Use of kitchen sink to wash hair if needed!
Very quiet established Dover neighborhood. Close to Firefly, mall, casino, University, etc.
Queen Room + half bath (shared)
Our location is minutes from Firefly Festival, Delaware State University, Dover Down Casino, Dover Air force Base and Dover International Speedway. It's in the heart of downtown Dover’s Historical district, Legislative Hall and 35 minutes from Tanger Outlet also the beach. This room is spacious, clean and comfortable. It’s equipped with central air for added comfort. The neighborhood is quiet, safe and well lighted. This is a smoke and alcohol free home.
It’s a small but spacious, quiet and comfortable living space....
The neighborhood is quiet and well lighted.... With very little traffic....friendly neighborhood....
This is a small, private apartment in the second floor of our home. Bedroom, living room, dining/kitchen nook and bathroom. Enjoy natural light as well as a private one car driveway and direct entrance (up a set of stairs) to apartment. Children 7 and older are allowed to stay with a parent. PSA: we give every guest our cell phone number for quick communication. We ask that guest let us know of any needs/issues/concerns during their stay. We do not give out our address for safety reasons.
We have a queen bed in the bedroom and another queen set up as the couch in the living area. The living area and living area are separated by a doorway, but not a door. We are a quick drive from Dover Downs, Wesley College, DSU and Dover AFB. Located just 2 miles from Route 1 as well. We are 30-45 minutes from Lewes Beach and Rehoboth Beach (depending on traffic and destination). We allow guest who are staying for 5+ nights to use our washer and dryer. Please let us know ahead of time if you will be using this. We do not give out our address for safety reasons.
We are just a few miles from Dover Downs, Wesley College, DSU, and Dover AFB. Just 2 miles off Route 1 in south Dover.
Bright private room on second floor in historic area. Spacious shared bathroom plus use of kitchen, porch, powder room, etc.
The house Is a lovely old lady in a historic neighborhood. She's had many updates, yet retains her quirks, spaciousness and lots of character. Your 2nd floor room is off a private niche. It is bathed in light from two large windows overlooking the trees in the back garden. Dover is very accessible on foot from here. It's a picturesque two minutes to the Wesley College campus, 10 minutes to Silver Lake Park, 10-20 minutes to downtown Dover's shops, restaurants, library, churches, museums and the famous Historic Green, as well as Spence's Bazaar and Amish market. Dover Downs Casino and NASCAR track, and the Firefly Music Festival are a little farther, but still walkable. The city of Dover is also home to Delaware State University, Dover Air force Base, and Legislative Mall surrounded by the government offices of The First State. Popular drivable destinations include Delaware beaches, tax-free outlet shopping, and Ferry to Cape May NJ (45 mins), Philadelphia PA (90 mins), Washington DC (2 hrs), New York City (4hrs).
Bright and Cozy in Historic Dover
Camden, Delaware, Estados Unidos
Quarto inteiro · Camden
Light, comfortable private room on second floor in historic area with a queen bed and large window. Spacious shared bathroom plus use of kitchen, porch, powder room, dining room, etc. ..... easy parking
The house Is a lovely old lady in a historic neighborhood. She's had many updates, yet retains her quirks, spaciousness and lots of character. Your 2nd floor room is right at the top of the stairs. It has a large window which looks out into the trees on the south side of the house. Dover is very accessible on foot from here. It's a picturesque two minutes to the Wesley College campus, 10 minutes to Silver Lake Park, 10-20 minutes to downtown Dover's shops, restaurants, library, churches, museums and the famous Historic Green, as well as Spence's Bazaar and Amish market. Dover Downs Casino and NASCAR track, and the Firefly Music Festival are a bit farther, but still walkable. The city of Dover is also home to Delaware State University, Dover Air force Base, and Legislative Mall surrounded by the government offices of The First State. Popular drivable destinations include Delaware beaches, tax-free outlet shopping, and Ferry to Cape May NJ (45 mins), Philadelphia PA (90 mins), Washington DC (2 hrs), New York City (4hrs). Watch Spring and Summer parades from the front porch!
Close to NASCAR & Dover Days - Historic Dover
My home is located in a quiet neighborhood on a corner lot of a culdesac. I am approximately 6 minutes from Dover Downs Casino where NASCAR races are held, 5 minutes from FireFly Festival, near DSU, Wesley College and other local colleges and 45 minutes from Delaware beaches and boardwalk.
Quiet, peaceful and friendly atmosphere.
Cozy dorm size room. Twin bed and pull out bed (trundle bed) Can sleep 2!+ 6 min from Firefly!
Room In Dover "The Quite Calm"-Firefly Friendly
Thank you for your interest in Smart Choice for Your Stay. One of the best things about this listing is that it's close to regional interests while affording you the opportunity to enjoy a cozy place to hang your hat. VERY IMPORTANT INFO BELOW: Please read entire profile prior to inquiry/booking, add your government identification to your profile as a condition of booking, and write a detailed message for initial communication.
The guest room is a part of my home on the second floor of an apartment building with five other units in the same building. There are a combined total of 10 steps to get to the front door. It is best thought of as a safe, clean, economical choice for lodging. The room includes a full sized bed, work desk, one standard size window, large closet, & a door with inner lock. You also have full access and privileges to rest of the apartment space except for my bedroom. There is nothing fancy or 'to do' about my home. It has the feel of being lived in but without clutter that can be a part of some homes. You will feel as though you are at a home, not a hotel. There is one shared bathroom with plenty of hot water. The galley kitchen is open to you for your personal groceries and cooking preferences. (Strong cooking smells and frying at a minimum please.) I'm happy to reasonably share pantry items but please provide your own groceries. You'll love the fantastic view of the lake from the balcony which doubles as the ONLY smoking area. There is to be NO smoking in the home, including the bedroom. This is non negotiable. I would also ask that you leave any clothing that smells like smoke ON the porch to avoid the smell lingering indoors. Please note that there are several cute spots to enjoy by the lake and to take pictures. If you have a canoe, kayak, or other water friendly vessel please feel free to bring it along to enjoy. While I do not have children they are certainly welcome here. Pets may be discussed on a case by case basis. A laundry is available with washer and dryer at $1.85-$2.35/load. From Memorial Day to Labor Day the pool is open. They charge $5/day per person. There is a small gym on site with 24 hr. access. The apartment complex is perfectly situated to walk to a wide variety of businesses and entertainment. There are numerous attractions within a short driving distance including beaches, restaurants, casinos/bars, golf courses, movies, shopping, parks, and museums. When hosting I love to connect with guests and strive to be as attentive as possible. However, I'm perfectly fine to fade into the background and not engage if that is preferred. My goal is to make you, the guest(s), as pleased as you expect to be. I'm sure you'll love your visit and look forward to seeing you! I will do my very best to help you feel like you made a smart choice for your stay. ******************************************** There is ZERO tolerance for drug use, sloppiness with alcohol, or stealing. If discovered you will be expected to leave immediately regardless of time of day and what was agreed to in the booking and there will be no refund. You will also incur any costs associated therein. This is not negotiable. ******************************************* My home is not a way station for people in permanent transition. If you are not able to honor this parameter then please do not apply for a booking (Website hidden by Airbnb) ******************************************** There are two kittens and a momma cat here. They aren't a bother but if you don't like cats they can be separated.
There are many great things in Dover. If you wanted to have a low key day exploring some interesting local spots you can find that here. Some of the bigger events are NASCAR races, Firefly music festival and various performers at Dover Downs Casino. The Delaware State Fair is also close by and typically happens during mid-late July. If your goal is to be close to major cities to visit, but not stay in them, then Dover is an excellent choice. It is central to so many like Philly, Baltimore, D.C., Annapolis, and of course "the beaches". All of these are within a 45-90 minute drive with decent traffic patterns. There are also local gems in Virginia and Maryland in addition to the many other charming spots right here in Delaware near Dover.
Just 2 miles from Firefly. Walking distance to: State Capital and Archives. Historic National Park tours..Colony to state,slaves journey on Underground RR, Biggs ,Flea and Amish market featuring PennDutch cooking. Minutes away: Fly an airplane simulator at Dover Air Force Base vintage aircraft museum. Enjoy steamed blue crabs at Sambos restaurant. . Note: upstairs apartment
Location is quiet and clean. Colleges and universities are nearby.. Parents and students are welcome. Bus services available to all important locations. Long distance buses to major cities are close.
Best Choice for your Stay In Historic Dover DE
Come stay in the serene area of established Dover neighborhood. Your room is the King Bed master suite with private en-suite bathroom equipped with beautiful double vanity and rainfall shower. An extra bed for another person is available for $10 additional charge.
First floor king bed with en-suite bathroom. The space includes occasional access to kitchen and laundry if needed. It has central AC/heating and ceiling fan for your comfort.
Master Bedroom Suite King sleeps 2 -3
. Fall events include Beer Wine Fest at Ag Museum , Leipsic Oyster Fesr and Cheesetober fest at Fordham Brewery all on Oct 13. Dover Colonial Market Day the first Saturday in November, countrywide vineyards. See (Website hidden by Airbnb) for more happenings in the area. Walking distance to: State Capital and Archives. Historic National Park tours..Colony to state,Fly an airplane simulator at Dover Air Force Base vintage aircraft museum. Easy day trips to Atl ocean
Welcome to Dover, my place is nice and clean and is conveniently located. My home is within 5 minutes drive to Dover raceway, Dover Downs casino. I am also less than 5 minutes to Wesley College, Delaware state University, Delaware Technical and Wilmington University. Walking Distance to the Grocery store, walking Distance to Super Target and Starbucks coffee. Less than 3 minutes to Downtown Dover. Walking distance to Burger King and Taco Bell. Close to lots of restaurants and shops.
Queen bed in main bedroom sleeps two. 2nd bedroom has a single bed, if you are staying with younger kids there is another bed that pulls out at the bottom. However, not suitable for adults. Full kitchen is provided with coffee, tea, water. Gas stove, toaster oven, and microwave. There is a full bathroom upstairs and half bathroom on the 1st floor.
Townhouse inteira · Dover
Dover’s Best
Spacious apartment connected to my home. Large bedroom w/ queen sized bed, queen sized air mattress, living room, dinning nook, kitchenette & bathroom. Just off of the Rt. 1 exit, the apartment is 5 miles from Dover Downs & DSU, 3 miles from Wesley College, minutes from Dover AFB, and 15 min (13.5 mi) via DE-1 S to Delaware Turf Sports Complex. Rehoboth Beach is only 53 min (42.9 mi) via DE-1 S. Bethany Beach is only 1 h 7 min (54.0 mi) via DE-1 S Dewey Beach is only 53 min (43.2 mi) via DE-1 S
Maximum occupancy is 4 guest irregardless of ages. Only guest on the itinerary are permitted on the property. Security deposit can be forfeited if rules are broken to cover amount of any damages. No parties or social gatherings. Any fines, and or tickets obtained due to violations as served by police officials will be the sole responsibility of the reserving guest. No food or dirty dishes and or pots should be left out over night. No smoking in home or on the premises Kindly Park in driveway or street parking available. Security Deposit - if you damage the home, you may be charged up to $150 ABSOLUTELY NO PETS/ANIMALS ALLOWED IN THE UNIT
Suíte de visitas inteira · Dover
Edie's Suite *Privacy & Comfort Away From Home*
New modern home with private bath on a tranquil neighborhood. Quick drive to Dover and Middletown, close to major commercial centers in the area and a breezy drive to the beaches of DE (Lewes, Rehoboth, Dewey, Bethany) relax and have a great country feel on a chic ambiance, short drive to Philadelphia airport and scenic view of Wilmington and DuPont estates, discover endless beauty in pristine First State
Open level style, contemporary and modern
Very quiet but modern, low key and friendly community and neighborhood
Quarto inteiro · Clayton
Endless Discoveries, More than a getaway
Luxury basement apartment with private bedroom, bathroom, living room, kitchenette, laundry room and gym. Please note basement apartment does does not have a private entrance from the outside. Guests will enter the main home to access guest quarters. Located on 8 acres of land less then 3 miles from NASCAR and Firefly guests are welcome to enjoy fire pit, in-ground pool, pool house, pond and playground.
Enjoy 8 acres of land less then 3 miles from NASCAR and firefly and only minutes from shopping and restaurants.
Convenient access to the downtown area in 5 mins. Close (less than 10 minutes) to Dover Downs and the Dover international speedway. Quite neighborhood with parking on the in the parking way on the property. The bathroom is shared.
Quiet room in Dover
6 min from Firefly! Fitness Room-Game Room lounge. (Game table can be moved when rented) Pull out Twin sofa bed. Air mattress available upon request for additional guest(s) Swinging harp doors and private curtain door provides privacy. Attached to kitchen & private living room used by host. TV available with chrome cast (compatible device to watch hulu, Netflix, or other app).... Fitness: weights, spin bike.
6 minutes from Dover Downs casino, four colleges, and 30-40 minutes from Beaches!. Quiet neighborhood. Acess to laundromat across the street; other food chains within walking distant. Historical town 5-10 minute walk. Things to eat and light shopping on either side. ...
Fitness-Sleep-Ent.-Loft- Dover Firefly Friendly
Older townhouse. Right off of Route 8/Forest Ave. 3.5 miles from Dover, Downs. Minutes from the University and surrounding colleges. Ask about our Monday - Thursday discount. If you are in town on business inquire about our extended stay rate.
We furnish you with a full scope of toiletries, towels, shoes, hair dryer, 24-hour heated water, web TV, water purging gear, cooling. We ensure that each new companion will have every one of the sheets and towels. One change.
Casa inteira · Dover
Newly designed private room in Ann Arbor
The room is simple, private and welcoming. All persons are welcome. It is always great to meet people and chat a little.
Arlberg Comfort
Beautiful room in calm peaceful area. Yellow room is a great place to read and relax 6 min from Firefly!
Yellow Room Dover- Dover DE
2046 km de distância
1432 km de distância

value: Airbnb, Inc. (pronounced  AIR-bee-ehn-bee and stylized as airbnb) is an American company that operates an online marketplace for lodging, primarily homestays for vacation rentals, and tourism activities.


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value: Overstock, excessive stock, excess2sell, B-stock, or excess inventory, is the result of poor management of stock demand or of material flow in process management. Excessive stock is also associated with loss of revenue owing to additional capital bound with the purchase or simply storage space taken.


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deconstruction reconstruction! – little golden age
Posted in: fall fashion, fashion, shopping cart | Tagged: clothing, denim trends, E L L E R Y, fashion, fashion week 2017, Frame, Ksenia Schnaider, Levi's, Loewe, look for less, Marques'Almeida, MSGM, off white, polyvore, reconstructed denim, style
march covet.
monday mixtape 3/6.

value: WordPress (WP, WordPress.org) is a free and open-source content management system (CMS) written in PHP and paired with a MySQL or MariaDB database. Features include a plugin architecture and a template system, referred to within WordPress as Themes.