Smaller, less established companies are grabbing a larger slice of the home loan market share from the nation's "big four" banks, according to a new study.
The AFG study found "non-major lenders" were proving to be increasingly popular among customers looking to refinance their home loans.
Smaller lenders accounted for 24.3 percent of the overall mortgage market in October 2012 – up from 19.6 percent in the same month of 2011. The mortgage market is believed to be worth about $300 billion.
AFG said that while there was still a long way to go before they catch up with their larger rivals, it was clear that smaller lenders had caught the attention of the Australian public. This was highlighted by a recent government study that showed 45 percent of people are not sure if they have the best home loan deal, General manager of sales and operations at AFG Mark Hewitt, said.


Christopher Goffard is an author and a staff writer for the Los Angeles Times. He shared in the 2011 Pulitzer Prize for the paper's Bell coverage and has twice been a Pulitzer finalist for feature writing, in 2007 and 2014. His novel "Snitch Jacket" was a finalist for the Edgar Allan Poe Award for Best First Novel. His book "You Will See Fire: A Search for Justice in Kenya," based on his Times series, was published in 2011.


text:
Q: Why is useEffect not being triggered? I have a functional component that is supposed to be a running clock:
import React,{useState,useEffect} from 'react';
import 'materialize-css/dist/css/materialize.min.css';
import { parseTime } from '../../Utils/utils'

const MainClock = (props) => {
    const [timeString, setTimeString] = useState(parseTime(new Date(), true));
    function tick(){
        console.log("TICK:" + timeString)
        setTimeString(parseTime(new Date(), true));
    };

    useEffect(()=>{console.log("rendered!");setTimeout(tick,500);},[timeString]);
    return (

{timeString}

    );
}

export default MainClock;

But for some reason it is only being rendered twice and the console output is:
rendered!
TICK:14:56:21
rendered!
TICK:14:56:22

Why isn't useeffect being called after the second render?
Any help is welcomed!
Edit: If it helps, this is parseTime:
const parseTime = (timeDate, withSeconds=false) =>{
    let time = timeDate.getHours()<10 ? `0${timeDate.getHours()}`:`${timeDate.getHours()}`;
    time+=":";
    time+= timeDate.getMinutes()<10 ? `0${timeDate.getMinutes()}`:`${timeDate.getMinutes()}`;
    if(withSeconds){
        time+=":";
        time+=timeDate.getSeconds()<10 ? `0${timeDate.getSeconds()}`:`${timeDate.getSeconds()}`;
    }
    return time;
}

A: Problem is the use of setTimeout and the use of low delay, i.e 500ms for the timeout. If you log the return value of parseTime, you will notice that between the two calls, it returns the same time string, so state never updates, leading to the component never re-rendering and hence useEffect never executes again to set another setTimeout.
Solution
Increase the timeout delay or check the return value of the parseTime function and if its the same as the one in the state, call this function again.
Moreover, its more appropriate to use setInterval here instead of setTimeout because setInterval will only need to be called once and it will call the tick function repeatedly until the interval is cancelled. If you use setTimeout, then you will need to call setTimeout again and again to schedule a new tick function call.

A: As I indicated above, it is the problem of the short setTimeout timing value - 500ms.
To make it work, you need to use setInterval
const MainClock = (props) => {
    const [timeString, setTimeString] = useState(parseTime(new Date(), true));
    function tick(){
        console.log("TICK:" + timeString)
        setTimeString(parseTime(new Date(), true));
    };

    useEffect(() => {
      setInterval(tick, 500);
    }, []);
    useEffect(()=>{console.log("rendered!");},[timeString]);
    return (

{timeString}

    );
}

redpajama_set_name: RedPajamaStackExchange


Yes, fight and die for us in the most important war we ever fought, but god forbid, we don't want you to live with us.
A former Gurkha who won the British military's highest honour is appealing against a decision to deny him a home in the UK. Tul Bahadar Pun, 84, who was awarded the Victoria Cross during World War II, wants to move from Nepal to the UK for health reasons. But British officials in Nepal told him that he was unable to demonstrate strong enough ties to the UK.
Geez, are these guys morons or what? Is this just plain old "going by the book" incompetence, or something more malign? Anyway, I don't expect anything more from these people. It's kinda like how the US lets fewer Iraqi refugees in than Sweden.
Tul Bahadur Pun, 84, who wanted to move from Nepal for medical reasons, promised to be a "credit" to Britain and expressed "deep gratitude".
I guess I would ask which human beings, where and when, are to be accorded the privilege of deciding that this particular climate that we have right here today, right now, is the best climate for all other human beings. I think that's a rather arrogant position for people to take," Griffin said.
James Hansen, a top NASA climate scientist, said Griffin's comments showed "arrogance and ignorance," because millions of people will likely be harmed by global warming in the future.
Wow, he was being kind.
No, not Tyra Banks and Riyo Mori, climate models that is.
Modelers don't purposely err on the conservative side, says Marika Holland of the National Center for Atmospheric Research, but some processes "are just not well understood, and because of that have not been incorporated into climate models." Holland has published model results on the fate of sea ice and coauthored the recent paper showing that ice is melting faster than models predicted. There are many reasons for the underestimates, she says. For example, models don't fully capture heat transport between ocean and atmosphere, or faster warming as reflective ice gives way to darker, heat-absorbing waters.
Scientists are human too. The political and social climate in the US have been harsh to people who overestimate the effects of climate change. So, modeling scenarios that deviate significantly from accepted limits or runaway uncontrollably are discarded. Models are sets of assumptions based on underlying theory. If the theory of a particular sub-process is not clearly understood, then the assumptions become subjective. In a social climate that is waiting to pounce on an overestimate as example of negating the entire global warming phenomenon, assumptions made are conservative. This is not necessarily a bad thing, but it comes at a price! As more observations come in, it does become clear that sometimes, things are happening faster and at greater magnitudes than our model predicted.
Well, turns out all that China baiting was for naught, because right in America's heartland, Ohio, some feed manufacturer was using melamine as a binding agent.
Ever since pet food contaminated with an industrial chemical was traced to shipments of wheat flour from China, American officials have concentrated on cracking down on imports.
It turns out the problem was closer to home, too.
Yesterday, federal officials announced that a manufacturing plant in Ohio was using the same banned substance, melamine, to make binding agents that ended up in feed for farmed fish, shrimp and livestock.


Search Bridlewood Public Schools directory Calgary: Research Bridlewood Public & Catholic schools Calgary, new Bridlewood public & catholic school openings & Bridlewood Schools closed on Friday, April 19th 12:16pm. Moving your family is a challenging time, especially when relocating requires your children to change Calgary schools. Search Bridlewood elementary schools, high schools, public schools, churches, community centers.
Research Bridlewood real estate statistics, real estate agents, REALTORS® & homes for sale in Calgary on April 19, 2019. Currently there are 51 active listings in Bridlewood average asking price of $391,950.31 highest price property $524,900.00. Currently 38 properties include Attached Homes, Detached Homes, For Sale by Owner, Luxury Homes plus 13 Condos For Sale, Townhomes, Rowhouses, Lake Homes, Bank Foreclosures.


Artisans apply a heat finish to locally pressed metal and then seal it with native beeswax, to produce a unique patina. The metal is then handcut into specified strands. Any discarded fragments are sold to local sculptors to be melted down and formed into Buddhist statues.
Click here to see the entire dconstruct Collection.


text:
Simakivka (în ) este o comună în raionul Iemilciîne, regiunea Jîtomîr, Ucraina, formată din satele Mîhailivka, Simakivka (reședința) și Zoreanka.

Demografie

Conform recensământului din 2001, majoritatea populației comunei Simakivka era vorbitoare de ucraineană (%), existând în minoritate și vorbitori de alte limbi.

Note

Simakivka
Simakivka, Iemilciiîne
Simakivka, Iemilciiîne, Jiîtomiîr

redpajama_set_name: RedPajamaWikipedia


One example is learning physical skills in sports. Players are willing to build their skills in practice for their own growth and that of the team. Some improve marginally, others improve immensely; some play just for the season, others for the rest of their lives. Regardless, over a specified period, all players commit to learning skills.
In 2017, significant progress was made on the suite of applications: Skills Label, Skill Syllabi, Skills Based Approach and Skills Culture.
Much of the development in 2017 was focused on Skills Label, which transformed from a display to a multi-faceted platform. It now has a dashboard (for administrators and users) and a landing page with a lot of functionality to do about anything with the labels. Another intriguing concept is the ability to create a series of labels based on students' performance. Imagine starting a course with a single task.
On the display itself, the technology can now accept published standards (like Common Core) and dynamic standards (devised by a group of professors). It is accessible as a SVG (native format), HTML, PDF, and PNG formats.
A non-provisional patent was filed (after two provisional patents were expiring). Worked with a team of business and law students at Syracuse University to come up with an IP Landscape to move forward with the exciting technology.
Over the year, I cannot think of a single discouraging remark about the learning labels. I hear over and over again: "having a single, standardized display to express learning expectations makes a lot of sense".
Skills Culture was launched and well received this year.
Skills Culture is a growth mindset to be motivated and taking action to learn and apply skills. In a Skills Culture students and professionals: learn skills, prove competencies by demonstration and/or taking assessments, and practice skills on a daily basis (every experience). Consider abilities in education and career planning, but they are not the sole criteria.
Thousands of viewers read at least one of the twenty-five blogs published this year. Practitioners are rallying behind the mindset as a way to motivate students and perhaps curtail the poor high school engagement numbers. In 2018, I am looking for guest bloggers to post insightful articles for the website.
In 2017, I keep reading from practitioners (Tom Vander Ark) how we are in a transition from a traditional learning system to a competency based learning system. It is also evident by all the new entrants in competency based learning: like Southern New Hampshire, Governors, and Purdue in higher education and progressive schools and programs and states like Maine and New Hampshire in standard education.
A solution, Skills Based Approach, was introduced in 2011 and has garnered an audience from around the world over the subsequent years. It is a methodology centered on the development of a skill set through a lifetime; users constantly cycle through four stages. In 2017, the focus has been to build awareness of how the methodology and application work through demonstration: a series of You Tube videos have been released to accomplish this goal.
Skills Based Approach works in concert with other applications. (Skills Label has features to address aspects of Skills Based Approach. Skill Culture provides a mindset to motivate students to apply the methodology.) And this was the intent behind the methodology: build or find new applications and simply plug them into the stages where they are relevant.
Still, the overarching goal is to get Skills Based Approach as a mobile application in the hands of students. Let students manage their skills and competencies.


text:
Thomas Willis  (1756-1797) was a sailor with the Second voyage of James Cook.

Willis was born in 1756, the son of Richard Willis, M.A., Rector of Hartley Mauditt, Hampshire, by his wife Anne (née) Hawkins. Thomas Willis began his career in the Royal Navy aboard H.M.S. Dunkirk in 1769; he served on several other ships before joining the crew of Captain James Cook on H.M.S. Resolution in 1772. The Willis Islands in the South Georgia Islands were named for Willis, the first to sight them. Willis kept a journal of his time with Cook.

Following the voyage, he was commissioned as a lieutenant in 1778, and joined H.M.S. Sultan. He lost his right leg in 1782 whilst serving as second lieutenant aboard the Royal William, during skirmishes with French and Spanish forces. Willis married Mary, daughter of Anthony Kirkham, of Deal, Kent, in 1781, and had a son, Richard. Willis died 15 July 1797. The Victoria Cross recipient Major Richard Raymond Willis was the great-great-great nephew of Thomas Willis.

References

1756 births
1797 deaths
James Cook
Royal Navy officers
English amputees
English explorers of the Pacific


Today, many dairy producers are integrating genomic testing into their daily breeding and selection decisions or contemplating doing so. It is remarkable to think that a tissue sample collected from the ear, a hair pulled from the tail switch or a drop of blood spotted onto a card from a day-old calf can get you a genetic evaluation equal to progeny tests on many daughters of sires.
Built on the foundation of the database maintained over the years by the USDA Animal Improvement Programs Laboratory (USDA-AIPL), genomic testing uses the relationship between the single nucleotide polymorphism (SNP) markers on low-density to high-density chips and the phenotypic data collected on the farm to create an estimate for the animal's genetic merit with high reliability.
The great news – and bad news – is that for every trait that the USDA does a genetic evaluation on (including production as well as type), you can now get both a traditional and a genomic predicted transmitting ability (PTA), along with the associated reliability. This is bad news only in the sense that it is a huge amount of information to deal with.
The genomic evaluation report produced by the USDA on a weekly (formerly monthly) basis contains 198 columns of data on every animal – not including the pedigree file – as well as a new report that gives the projected inbreeding if a tested female is bred to any one of more than 25,000 available A.I. sires. For the average dairyman, that amount of information is not something that is easily managed.
Net Merit. Net Merit is reported as a genomically enhanced index and contains the following traits in a new formula that was updated December 2014 with the addition of new fertility components, such as heifer conception rate and cow conception rates, and updated economic weightings.
As a trait, Net Merit is frequently the singular index that producers will use to rank animals, and in most instances where samples are submitted to a commercial genotyping facility, the report received back will include the ranking of animals within the report based on Net Merit and will also include the ranking of the animal against the entire database of all animals within the USDA database on a percentile basis (Table 2).
In addition to the actual Net Merit figure, the report contains an estimate of the reliability or accuracy of the prediction for Net Merit, and typically, with the parent average and a genomic test, that reliability is in the range of 70 percent, which for this trait means it has the equivalent accuracy to 20 daughter records.
Cheese Merit. If Net Merit is not the index that is most relevant for you, there are several others that are reported by the USDA. The first is Cheese Merit, and this index is targeted to those herds paid for components through their processor. In this instance, the weight is on fat and protein, along with Productive Life; in fact, there is a penalty for fluid production (Table 1).
Fluid Merit. If Cheese Merit is not applicable for your herd, there is a Fluid Merit index that puts weighting on milk yield and longevity and is designed for herds that have a focus on fluid milk production.
Grazing Merit. Recently, a new index has been introduced that caters to herds that use seasonal calving based around grass production, referred to as Grazing Merit. In this instance, the selection is around fertility and those traits that favor efficient milk production from grass.
Holstein TPI and Jersey JPI indexes. For herds that nominate through the Holstein or Jersey Associations, then index traits such as Total Performance Index (TPI) or Jersey Performance Index (JPI) are available that, like Net Merit, rejoin a number of important component measures into an overall formula for balanced selection.
PTA Type. In addition to the index traits mentioned above, the USDA gathers the information provided from classifiers and produces PTAs for a wide variety of type traits that dairymen are familiar with and use on a routine basis.
Among these, PTA Type is frequently used as the overall measure of body type, including feet and leg scores and udder composite, to describe the animal with the most appropriate physical traits that support efficient dairy production under a variety of management situations.
If the existing or commonly reported index traits are not appropriate for your individual circumstance, then the data reports commonly available allow you to design and implement your own custom index appropriate for your needs.
Custom indexes. With the report available in a worksheet format, you can apply whatever weighting you want to the traits of greatest interest to you and rank heifers from best to worst based on those selections.
When you do this, it is important to remember that the production traits are on different scales, so you might need to use a multiplier or weighting for each trait to give it the appropriate amount of emphasis.
For example, the trait of Productive Life is measured in months, and an average value might be 2. By contrast, milk yield might have an average value of 400, so to include those traits into a custom index and give them equal weight, you would need to multiply the Productive Life PTA by 200, or conversely, divide the milk yield PTA by 200 so they are on the same scale.
In the final analysis, there is a lot of important information reported from the USDA-AIPL genomic evaluations, and for those that like the details, there is plenty to play with.
On the other hand, if you are looking for some simple and proven tools that allow you to rank and compare animals, then the index traits of Net Merit, Cheese Merit, Fluid Merit or Grazing Merit are helpful. Breed association composite traits, such as TPI or JPI, are also a way to compile a lot of important traits into a single figure.
Many type traits are available, but the composite index of PTA Type, Feet and Legs Composite or Udder Composite give you some good tools that are easy to use. Finally, if you have a particular focus you are interested in, then get a copy of the report in a worksheet format and get to work on your own composite index that best meets your needs.
This article was published in Progressive Dairyman. For more information, click here.


Freddy is at the club today to get his hair cut by Charlie. They want to do something similar to the Executive Contour but a messier, beachy version.
Beardbrand is a men's grooming company that is helping men keep on growing by providing education and tools for urban beardsmen to master their morning routine. We've found that confidence starts with self investment, and allows men to do great things for their families, co-workers, and community. We are working to break down the negative stereotypes that surround bearded men, and show the world it's the man who matters, not the way he looks.
Amazing cut. I love your content guys. Dont mind the hate comments, I'm sure those guys are not even certified barbers. Kudos from El Salvador!
I don't mean any disrespect by this and I love all your videos, as a barber my self I've learnt a lot from them but At 2:45 he talks about controlling the scissors by keeping the bottom blade of the scissors stationary. Then he demonstrates… there was no control when he was "just moving his thumb" his whole hand was moving and the bottom blades was waving around. That's not control. Then he starts cutting the hair and there is even less control with this scissor over comb. He has the right idea I just think he needs to work on his control of the technique. But every thing else looks good really enjoyed this cut.
really nice, I prefer these cuts over super clean fades.
That's not the best blend I've seen… Almost looked like a step. I always dry the hair to blend in, using the scissor over comb technique as its more a accurate and controllable but was nice not to see a skin fade and beard trim as everyone looks cloned knower day.
That fade is just bad. You should really tel him to make it better and then upload a video..