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HomeCentral Govt. Scheme
Central Sector Scheme of Free Coaching for SC and OBC Students
byAdmin — Wednesday, April 07, 2021 2
Scheme of free coaching is launched by the government to provide coaching of good quality for economically disadvantaged Scheduled Castes (SCs) and Other Backward Classes (OBCs) candidates to enable them to appear in competitive examinations and succeed in obtaining an appropriate job in Public/Private Sector.
Here is the complete details of the scheme:
i) The empowerment of the weaker sections has been a priority area of concern for the Government since independence. A number of plans and programmes are being implemented for assisting them so as to enhance their skills and capabilities for ensuring rapid economic development and integration in the national mainstream.
ii) A scheme for providing free coaching to students belonging to Scheduled Castes (SCs) was started during 6thFive Year Plan. Similar schemes were also being implemented to provide free coaching to students belonging to Other Backward Classes (OBCs) and Minorities. With a view to ensure effective implementation and monitoring and to assist the students in a better manner, the separate coaching schemes for SCs, OBCs and Minorities were amalgamated and a combined Scheme, namely, 'Coaching and Allied Assistance for Weaker Sections' including Scheduled Castes, Other Backward Classes and Minorities was introduced with effect from September, 2001.
iii) After creation of a separate Ministry to handle matters relating to the Minorities viz. the Ministry of Minority Affairs, the Scheme underwent further revision in April 2007 for removing the minority component from the ambit of the scheme and to accommodate other changes deemed necessary at that point of time. The last revision of the Scheme came into effect from 01.04.2016.
2. Objective
The objective of the Scheme is to provide coaching of good quality for economically disadvantaged Scheduled Castes (SCs) and Other Backward Classes (OBCs) candidates to enable them to appear in competitive examinations and succeed in obtaining an appropriate job in Public/Private Sector.
3. Courses for Coaching
The courses for which the Coaching will be imparted shall be as follows:
i) Group A and B examinations conducted by the Union Public Service Commission (UPSC), the Staff Selection Commission (SSC) and the various Railway Recruitment Boards (RRBs);
ii) Group A and B examinations conducted by the State Public Service Commissions;
iii) Officers' Grade examinations conducted by Banks, Insurance Companies and Public Sector Undertakings (PSUs);
iv) Premier Entrance Examinations for admission in (a) Engineering (eg. IIT-JEE), (b) Medical (eg.NEET), (c) Professional courses like Management (eg. CAT) and Law (eg. CLAT), and (d) Any other such disciplines as Ministry may decide from time to time.
v) Eligibility tests/examinations like SAT, GRE, GMAT and TOEFL.
vi) Entrance examination tests for CPL courses/ National Defence Academy and Combined Defence Services.
4. Distribution of slots amongst types of competitive examinations
60% of total available slots shall be allotted to the coursesfor which qualifying exam is graduation (Bachelor's level). 40% of total slots shall be for thecourses for which qualifying exam is Class 12.
5. Category-wise Ratio of Candidates
The ratio of SC and OBC students to be coached under the Scheme will be 70:30. In case of non-availability adequate number of candidates in a particular category, the Ministry of Social Justice and Empowerment can relax this ratio.
6. Eligibility criteria for students
(i) Only students belonging to SCs and OBCs having total family income from all sources of Rs.8.00 lakh or less per annum will be eligible for benefits under the Scheme. However, SC/OBC candidates belonging to a Minority community shall not be eligible under this scheme and can apply under the similar scheme of Ministry of Minority Affairs.Following guideline shall be followed for income certificateIncome declaration of self-employed parents/ guardian should be in the form of a certificate issued by Revenue Officer not below the rank of Tehsildar. Employed parents/guardians are required to obtain income certificate from their employer.
Employed parents/ guardians should obtain consolidated certificate from Revenue Officer for any other additional source of income.
ii) The students must have secured the minimum marks in the qualifying examination of the competitive exam for which coaching is sought, as prescribed in the guidelines of the said competitive exam. However, if the student has still not appeared for the said qualifying examination, or if the student has appeared and the result has not been declared, the marks obtained in the Board/Degree exam just prior to the qualifying exam shall be taken into account. If the number of eligible applications
received is more than the given slots, the selection will be done in the decreasing order of the marks obtained in the qualifying exams.
(iii) For the competitive exams for which the qualifying exam is class 12th, benefits under the scheme will be available to a candidate only if the candidate has passed class 12th or is studying in class 12th as on the date of receiving the benefit under the scheme. Further, in case of competitive exams for which the qualifying exam is at bachelor level, only students/candidates having completed the bachelor level course or studying in the final year of the bachelor degree course at the time of receiving the benefits under the scheme shall be eligible.
iv) For such examinations which are conducted in two parts, Preliminary and Mains, priority in the selection will be given to those students who have at least once qualified the preliminary examination.
v) Benefits under the Scheme can be availed by a particular student not more than twice, irrespective of the number of chances he/she may be entitled to take in a particular competitive examination. The student will be required to submit an affidavit that he/she has not taken benefit more than twice under the Scheme.
vi) The candidate shall be precluded from availing any other scholarship benefits of similar scheme of the Centre or State Governments. The candidate will be required to upload an affidavit indicating that he/she is not availing scholarship from any other similar scheme of the Centre/State. A list of beneficiaries availing the scheme will also be uploaded on the website of the Ministry and shall be shared with States/UTs to avoid possibility of simultaneous availing benefits of similar scheme by the candidate
vii) Where the competitive examination is conducted in two stages viz. Preliminary and Mains, the candidates will be entitled for free coaching for both the examinations. They will be entitled for free coaching upto two times each for Preliminary and Main examinations as per their convenience. However, there will be no restriction in number of chances for coaching for Interview, if the candidate is selected for interview.
7. Mode of implementation
The Scheme will be implemented in two distinct Modes and the student shall be free to choose any one mode for obtaining benefit under the Scheme. The Modes are as follows:
Mode 1: A total of two thousand slots (seats) will be distributed amongst reputed coaching institutes empanelled under the Scheme. The method of implementation is detailed in para 9 of the Scheme.
Mode 2: The Ministry will directly select a total of two thousand students as laid down in para 10 of the Scheme. These students shall have the liberty to pursue the coaching course in any institute of their choice.
8. Extent of Assistance
i) Fees
In case of students studying in institutes empanelled under the Scheme (Mode-1), the fee as mutually decided between the Ministry and the institute shall be paid to the institute, subject to thelimits for fees and duration of the course laid down in Annexure – 1 of this Scheme. For students selected directly by the Ministry (Mode 2), the actual course fee of the institute in which the students is applying, which the institute charges course from general students, orthe prescribed course fee by the Ministry as per Annexure-1 of the Scheme, whichever is less, subject to the limits for fees and duration of the course laid down in the Annexure-1. If the course fee is more than this specified amount, the candidate has to arrange for the remaining funds from his/her own sources.
ii) Stipend
Monthly stipend of Rs. 3000/- per student will be paid for local students for attending the coaching class. Similarly, Rs.6000/- per student will be paid per month for outstation students. The stipend will be paid till the duration of the course or for one year, whichever is less. The stipend to each student shall be paid directly by the Ministry through DBT.
iii) Special Allowance
Students with disabilities would also be eligible for Special Allowance of Rs. 2000/- per month towards reader allowance, escort allowance, helper allowance etc. having valid disability certificate (equal to or more than 40% disability). This will be in addition to the stipend mentioned in para 8 ii) above.
9. Details of Mode 1
a). Implementing Agencies
The Scheme will be implemented through reputed coaching institutes/centres run by the:
i) Central Government/State Governments/UT Administrations/PSUs/Autonomous Bodies under Central/State Governments;
ii) Universities (both Central and State) including the Deemed Universities and Private Universities recognized by concerned authority; and
iii) Registered private institutes/NGOs.
b). Eligibility criteria for Coaching Institutes for applying for Empanelment
(i) The institute should be a registered body or run by any organization registered
under the Societies Registration Act, 1860/Companies Act, 2013 or any other relevant Act of the State/Union Territory. The institute shall also be registered on the Darpan portal of NITI Aayog.
(ii) The institute should have been registered at least for a period of 3 years as on date of calling of applications from States/UTs/Coaching Institutes for empanelment by the Ministry.
(iii) The institute should have been fully functional for a minimum period of 3 years at the time of applying under this Scheme (iv) The institute must have proper infrastructure, including provisions for aadhar based biometric attendance for students and faculty, to meet all requirements for providing coaching in the courses applied for.
c). Selection of Institutes
i) The proposals for empanelment of coaching institutes will be considered by a Selection Committee and recommended for selection based on their past record of performance and other criteria to be determined by the Selection Committee. The basic selection criteria for empanelment of an institute shall be its performance in previous three years which should be more than the basic performance criteria, in the course for which applied, as prescribed in Annexure-2. The institutes for providing coaching will finally be selected by the Ministry based on the recommendations of the Selection Committee.
The composition of Selection Committee will be as follows:
a. Joint Secretary, SCD-B, D/o SJE - Chairperson
b. Director/DS, IFD, D/o SJE - Member
c. Director/DS, Deptt. of Higher Education - Member
d. A representative of Niti Aayog - Member
e. Two representatives from relevant background to be decided by the Ministry - Members
f. Director/ DS, Scheduled Caste Division, D/o SJE – Convener
(ii) The States/UTs will furnish a list of at least 5 and not more than 10 reputed coaching institutes with a proven track record of success in coaching in courses identified in Para-3 here-in-above. The States shall submit the list of institutes within two months of calling of invitation to facilitate their timely examination and processing.
The list of institutes received after the prescribed time limit shall not be processed.
(iii) In addition to proposals received from States, the Selection Committee as indicated at Sub-para (ii) above may also propose empanelment of institutes which enjoy good reputation and record of performance in providing coaching. However, confirmation will be taken from the concerned State Government regarding proper functioning of the institute. If the response from the State is not received within a period of two months, the department shall depute its own team to the institute for assessing its suitability.
iv) On receipt of list of names of coaching institutes, the institutes will be addressed by M/o SJE to submit a detailed proposal in compliance with requirements of the Scheme along with their performance record in proforma as requested.
v) Reputed institutes having branches in more than one district in a State will be given preference over standalone institutes.
vi) The Programme Division will carry out a preliminary screening of the proposals received from State Governments / UTs and also the institutes recommended by the Selection Committee and shortlist those, which prima facie satisfy the eligibility criteria and have all prescribed supporting documents. Such shortlisted proposals shall be placed before the Selection Committee.
vii) The institutes, once selected, will enter into an Agreement with the Ministry of Social Justice and Empowerment, Government of India with regard to the courses to be offered, terms and conditions of empanelment, fee structures, number of slots, duration of courses, furnishing of Utilization Certificates as per GFR, 2017 and Audited Statement of Accounts, maintaining physical and faculty related infrastructure prescribed under the scheme as amended from time to time.
viii) For the already empanelled institutes, the MoA will be valid for 3 years from the date of signing of the original MoA. Any newly selected coaching institutes during the year will be empanelled for a period of one year-extendable upto 3 years, subject to the Agreements with the Ministry of Social Justice and Empowerment.
ix) The Coaching Institutes will be provided maximum of two courses of 50 slots each at one centre. However, if the Institute is running only one course at a particular centre, then a maximum of 100 slots for that course will be allowed at that particular centre.
x) In 2020-21 a total of 2000 slots will be allocated to the institutes under this mode of the Scheme.As mentioned in para 4 of the Scheme, 60% of total available slots shall be allotted for those courses for which qualifying exam is graduation. 40% of total slots shall be for those courses for which qualifying exam is Class 12.Once the limit of 2000 slots is reached, no further empanelment will be done under the Scheme.
Note: With a view to give the Scheme wider publicity, the coaching institutes will issue advertisement in the local newspapers, giving relevant details of the Scheme, and invite applications from the eligible SC and OBC candidates as per provisions of the Scheme.
d). Funding Pattern
The Ministry of Social Justice and Empowerment, Government of India will fund the entire fees for the coaching provided to selected SC/OBC candidates as per the terms and conditions of the Scheme, as mutually agreed to at the time of empanelment, subject to the limits for fee and duration of the course laid down in Annexure-1. However, the fee will not be more than the fee which institute is charging from its general category students for a similar course and also will not be more than the fee which the institute is charging for a similar course under a similar Scheme of any other Ministry/ Department
of the Central or State Government.
In the first instalment, 50% of the total course fee will be released to the institute and 50% of the total stipend shall be released to the students. In the second instalment 50% of fee and balance 50% of the stipend shall be released.
e) Process for application for grants
i). The grant-in-aid will be in two parts – Fee and Stipend. The Fee Component will be paid to the Coaching Institutes directly and stipend will be paid through DBT into the accounts of the students directly.
(ii) Immediately after the signing of Memorandum of Agreement (MoA) with the institute, the institute will be provided with a unique code through which it will register on e-Anudaan Portal- [email protected]/ngo-login along with the details of the student including his/her Name, Aadhar number, address, account details, caste certificate, income certificate, details of educational qualification w.r.t. the competitive exam, prescribed affidavits from student etc.
iii) Grant-in-aid will be released to the institutes concerned in two installments every year as detailed in Para 9 (d) of this scheme. The first installment of fees will be released to the institutes immediately after their proposal is received on the e-Anudaan portal and the details are verified at Ministry level. The first installment of stipend shall also be released simultaneously to the students directly by the Ministry through the DBT mode.
iv)After the completion of the coaching , the institute will submit Utilisation Certificate (if due), details of expenditure made, complete audited accounts of the institute certified by a Chartered Accountant in respect of previous year's funds, performance of previous years students (if applicable) and attendance details of the students during the coaching. After verifying all the details, the second installment of the coaching fee will be released to the institutes in reimbursement mode. The balance stipend will be paid
to the students, as per their attendance, directly into their accounts through DBT.
v) The release of second instalment of funds will depend upon the satisfactory performance of the institute during the previous year as per the criteria fixed in the Annexure 2 of the Scheme.
vi) The grant-in-aid for the 2nd and 3rd year would be released to empanelled institutes only after receipt of due Utilization Certificate, list of students coached with the previous year's grant, audited accounts in respect of previous year's funds and performance of students coached during previous year.
f) Selection of Candidates by the institutes While the institute shall ensure that all the conditions given in para 6 of the Scheme are complied with, while selecting the students under the scheme, the coaching institute can apply the academic criteria prescribed by the institute itself. However, the institute may
relax these criteria for SC/OBC candidates as per terms to be laid down in the Agreement. In case the number of applicants for the course are more than the seats, separate merit lists shall be drawn up for SC and OBC candidates based on the criteria mentioned in para 6 ii). of the Scheme.
g). General Provisions
i) The institute shall maintain full progress record of the coaching and selection of the candidates, online.
ii) The selected students shall attend all classes. The institute shall maintain aadhar based bio-metric attendance of the students and report the same on the e-Anudaan portal.In the event of any student remaining absent for more than 15 days in a month without assigning any valid and satisfactory reason, benefits of free coaching to him/her shall be discontinued under intimation to this Ministry.
iii) Grant-in-aid released to the institutes shall be dealt with in a separate account by them. The institute shall also maintain separate book of accounts for the GEA.
iv) The institutes shall utilize the grant-in-aid only for the purposes laid down in this Scheme.In the event of the grantee institute acting in contravention of this condition, the institute will be liable to refund the amount received with 18% penal interest and other action, as deemed necessary. The institute will execute an Agreement Bond in prescribed proforrna to the effect that in the event of its failure to abide by any or atl the conditions stipulated in the sanction letter it shall be liable to refund with interest thereon the whole or such part of the grant as the Governrnent of lndia may decide.
h). Review of performance and monitoring of the institutes
i)Renewal of empanelment: There will be a review of performance of the coaching institutes at the end of the 3rd year of empanelment. The assessment will be based on the results of SC and OBC candidates provided coaching under the Scheme and the success rate enjoyed by coached students in clearing competitive examination for which he/she has received coaching for getting admission or employment in government/private sector. An institute must have a success rate as indicated in Annexure 2 for various competitive exams to be eligible for renewal for a further period of one year-extendable up to three years.In case of unsatisfactory performance of the institute, it will be automatically removed from the empanelled list of institutes. Any institute so removed will not be considered eligible for empanelment for a period of three years from the date of its removal from the list.
ii) The Ministry of Social Justice and Empowerment, Government of India reserves the right to conduct random inspection/check from time to time of any of the empanelled institutes.
iii.) The Ministry of Social justice and Empowerment reserves the right to discontinue funding under the Scheme at any point of time if the performance of the coaching institute is found to be unsatisfactory.
10.Details of Mode 2
a).Number of candidates to be selected
Under this Mode of the Scheme a prefixed number of serious and meritorious eligible candidates fulfilling the prescribed criteria shall be assisted. In 2020-21, a total of 2000 candidates will be selected for financial assistance for coaching under the Scheme. Of these slots a total of 800 slots shall be earmarked for competitive exams having eligibility condition as Class XII (e.g. NEET, JEE, CLAT etc.). Remaining 1200 slots shall be for competitive exams having eligibility condition as Graduation (CAT, Civil Services Examination etc.). The seats will be distributed in the ratio of 70:30 between SC and OBC candidates.
b).Process of application:
(i)The scheme will be widely advertised through electronic media etc. giving summarized information about the Scheme. The applicants shall, after assessing their eligibility and suitability as per the eligibility conditions of the Scheme, will be required to apply online on this Ministry's portal, i.e. coaching.dosje.gov.in., along with details of course he/she intends to join.
(ii) The portal will remain open for one month twice a year i.e. during July, 2020 and January, 2020 for receiving applications.
(iii) The applicants will be required to upload their applications alongwith prescribed supporting documents.
(iv) No offline applications will be entertained. Only online applications complete in all respects, shall be considered for assistance. All the incomplete applications will be summarily rejected. However, the rejected candidates will have the option to apply in the subsequent phases of selection.
c). Selection of candidates:
(i) On closure of the application portal, separate merit lists shall be drawn up of eligible candidates belonging to the SC and OBC categories, and within these categories for both the levels of competitive exam mentioned in para 4 of the Scheme,by the IT system itself, based on information submitted by the candidates.
(ii) The applications will be scrutinized in the order of merit for ascertaining eligibility. Those applications not found complete, or if the applicants are found ineligible, will be rejected.
(iii) The order of merit willbe as detailed in para 6 (ii) of the Scheme.
(iv) The merit lists so finalized will be placed before a Screening Committee set up by the Ministry, for making recommendation about selection of the candidates. The assigned number of candidates in the merit will be given the benefit of the scheme subject to verification of their credentials. The merit list shall be uploaded on the website of the Ministry.
(v) Keeping in view the slots available for the year 2020-21, 1000 candidates will be provided assistance in each of the two phases in the year. Separate merit lists will be drawn up for each phase.
(d). Release of assistance to the students
(i) The course fee shall be released to the account of the beneficiary candidate in two instalments through DBT mode.
(ii) After the selection and verification of credentials of the candidates an "Open Assurance" letter shall be issued to candidates stating therein the name of candidate selected, rank no, details of fee amount to be given under the scheme. This will be used by Candidates to contact coaching institute in which he/ she wants to attend coaching.
On receipt of admission confirmation/assurance from the Institute; the Candidate will upload the same on the online portal. The first instalment of 50% of the eligible amount will be released immediately thereafter.
(iii) The candidate will be required to join the selected course within 6 months of the release of the first instalment. The remaining fee will be reimbursed after receiving proof of joining of institute by the candidate and deposition of the amount released as first instalment by the candidate to the institute. If the first instalment of the fee amount is not paid to the selected institute within a period of 6 months, this amount will have to be returned to the Government and second instalment will not be eligible. The
candidate will be required to submit an affidavit in the prescribed pro forma that he/she would take admission in the coaching institute of his/her choice within six months of receiving the first instalment of coaching fee failing which he/she would return the money to the Ministry immediately.
(iv) To facilitate the candidate, a letter will also be issued alongwith the 1st instalment of funds release indicating that the balance fee shall also be paid to the candidate after joining the course.
11. Performance and Monitoring of the Scheme:
(i) A Technical Support Group (TSG) shall be set up in the Ministry to assist in scrutiny and processing of the applications, as well as for monitoring the progress of the candidates.
(ii) There will be a review of the performance of the selected candidates availing the benefits of the scheme based on the information obtained from the candidates about their success or otherwise in the competitive exams.
(iii) A provision not exceeding 1% of the total budget will be made to meet the administrative and allied costs of the Ministry for office equipment including computers and accessories, furniture, development of appropriate software, advertisements, engagement of personnel, etc.
State/UT-wise details of coaching institutions/ centres empanelled under the Scheme of 'Free Coaching for SC and OBC Students'.
Sl. No. State/UT Name of Institution Course(s) Contact Number
1 Assam 1. Chitale's Personalized Learning Pvt. Ltd.,
182, Chandas Tower, Hatigaon,
Guwahati-781006, Kamrup, Assam. JEE & MBA Entrance 8828435393
2 Bihar 1. The Gurukul Practice Centre,
1stFloor, Near Durga Mandir, Maranpur,
Bodhgaya Road, District-Gaya, Bihar- 823001. NEET & IIT-JEE 9321085949
3 Chandigarh 1. Bulls Eye (Mind Tree Eduvation Pvt. Ltd.),
SCO 90-92, 2nd Floor, Sector-8C,
Madhya Marg, Chandigarh. GRE/GMAT & CAT 0172-4611111
2. MT Educare Ltd., SCO-350-351-352,
Ground Floor, Sector-34 A, Chandigarh- 160022. NEET & CA-CPT 9888590575
4 Delhi 1. Jan Kalyan Shiksha Samittee, Samkalp Bhawan,
Plot No. 15, Sector-IV, R.K. Puram,
Institutional Area, New Delhi-110022 UPSC (Pre-cum Mains) 011-2619665, 26183070
2. Career Power Metis Eduventures Private Limited,
201-204, Second Floor, Pragati Deep,
Distt.- Centre, Laxmi Nagar, Delhi-110092. Banking & SSC 011-43061500
3. Sachdeva New P.T. College, New Delhi,
29- South Patel Nagar, New Delhi- 110008. SSC & Bank PO 011-25848070/8182, 9810008070
4. IES Academy Pvt. Ltd., New Delhi, 28 B/7,
2nd Floor, Jia Sarai Near IIT, Hauz Khas, New Delhi-110016. IES & GATE 011-26537570, 09810958290
5. Career Plus Educational Society,
301/A-37, 38,39, Ansal Building, Commercial Complex,
Dr. Mukherjee Nagar, New Delhi – 110009. UPSC & SPSC 9811069629
6. BSC Academy Pvt. Ltd., C-37, Ganesh Nagar,
Pandav Nagar Complex, Delhi- 110092. Banking Exam (PO, Clerk) & SSC 011-22484910
7. Meridian Courses, B- 13, 3rd Floor,
Commercial Complex, Dr. Mukherjee Nagar, Delhi. UPSC & SPSC 011-27652131, 9312577533
8. Dikshant Education Centre, 301-303,
A- 31-34, Jaina House Extension, Commercial Complex,
Dr. Mukherjee Nagar, Delhi-110009. UPSC & SPSC 011-47082542
5 Gujarat 1. MT Educare Ltd., C/16, 17, 3rd Floor, Trident Mall,
Near Race Course Circle, Vadodara-390007, Gujarat. JEE & CA-CPT 9714990100
2. Chitale's Personalized Learning Pvt. Ltd.,
501, Manas Complex, Opposite Star Bazar,
Near Jodhpur Cross Road, Satellite,
Ahmedabad-380015, Gujarat. UPSC & MBA Entrance 9714789555
3. Aryan Foundation, Taksh Complex-1,
First Floor-A, Vasna Road, Vadodara, Gujarat. NEET & CA-CPT 8828435352
6 Haryana 1. LILAC Education Pvt. Ltd., M-24,
Old DLF Colony, Sector-14, Gurgaon. UPSC & SPSC 09899483203
7 Jammu & Kashmir 1. Bandipora College of Information Technology,
Hospital Road, Near Faziam School, Ward No. 5,
Bandipora, Jammu & Kashmir- 193502. KAS (Kashmir Administration Service) & AIEEE 01957-225546
8 Karnataka 1. Global Education Trust, 2nd Floor, Sri Nidhi Complex,
Nr. Kudroli Temple, Alake, Mangalore-575003. NEET & JEE 9004608002
2. Aryan Foundation, Near Kottara Chowki, Bangra Kulur,
Mangalore, Karnataka. NEET & JEE 7760885338
9 Madhya Pradesh 1. Perfect Samajik Evam Shikshan Samiti, Bhopal,
Madhya Pradesh Bank PO & RRB 0755-2775533, 9827090217
2. Tanishk Shikshan Evam Samaj Kalyan Sanstha Samiti,
M.P. Nagar, Bhopal, Madhya Pradesh Bank PO & RRB 0755-2554800, 9827361802
3. Comp-Feeders Takiniki Prashikshan Sansthan, Indore,
Madhya Pradesh. (Centres: Ujjain & Ratlam) Banking & RRB 0731-2788978, 9981137184
4. Excellent Civil Academy Trust, K.K. Plaza Zone,
M.P. Nagar, Bhopal, Madhya Pradesh UPSC (Pre-cum Mains) 9355602224
5. Disha Diya Education Trust, J.K. Town, Kolar Road,
Bhopal , Madhya Pradesh IIT-JEE & NEET/AIPMT 0184-2207540, 8901322234
10 Maharastra 1. The Gurukul Practice Centre, A-102,
Riddhi-Siddhi Apartment, Plot No. B-7, Sector- 20,
Nerul West, Above PNB Bank, Navi Mumbai- 400706. NEET & IIT-JEE 7666584292
2. Global Education Trust, Mulund, Mumbai, Maharastra CA-CPT 9004608002
3. Chitale's Personlised Learning Systems Pvt. Ltd.,
Mulund, Mumbai, Maharastra Bank PO 9821301498
4. MT Educare Ltd., Mulund, Maharastra UPSC 022-25937700
5. Aryan Foundation, Borivali (W), Mumbai, Maharashtra NEET 0824-2881000
11 Manipur 1. Youth Step Forward Centre, Wangjing Bazar,
P.O.-Wangjing Bazar, Manipur-795148. AIPMT/ NEET & IIT JEE/ AIEEE 9436663161
12 Meghalaya 1. Sachdeva New P.T. College, Room No.- 13,
1st Floor, Block-B, Shillong College, Boyce Road, Shillong SSC & Bank PO 9810008070
13 Punjab 1. MT Educare Ltd., SCO-135, Above Coke agency
near Nabha Gate, Patiala- 147001, Punjab. JEE & CA-CPT 9702709888
2. Global Education Trust, SFC, 101
Near Indian Overseas Bank, Chotti Baradari,
Patiala-147001, Punjab. NEET & JEE 9004608002
SCO 136-141, Near ICICI Bank, Chotti Baradari,
Patiala-147001, Punjab. UPSC & MBA Entrance 9702702666
14 Rajasthan 1. Patanjali IAS Classes Pvt. Ltd., B.O.-31,
Patanjali Bhawan, Satya Vihar Lalkothi,
Near Jain ENT Hospital, Jaipur-302015. UPSC & SPSC 0141-2741123
2. Mother's Education Hub, J-7, Near Kanha Sweets,
Infront of Big Bazaar, Gopalpura Pulia, Jaipur – 302018, Rajasthan. Bank PO & SSC 9828622200
3. Career Point Limited, B-28, 10-B Schemes,
Gopalpura Bypass, Jaipur, Rajasthan-302018. IIT-JEE & Pre-Medical (PMT) 7443040000, 7443040050
15 Tamil Nadu 1. MT Educare Ltd., No. 7, 1st Floor, Rosy Tower,
Nungambakkam High Road, Opposite ICAI institute,
Nungambakkam, Chennai- 600034. NEET & CA-CPT 9987567100
2. Shankar IAS Academy, Shanti Colony, Annanagar,
Chennai – 600040. UPSC & TNPSC- Pre. 044-45522227, 044-43533445
16 Tripura 1. Sachdeva New P.T. College, Office of the OBC Commission,
1st Floor, VIP Road, Gurkhabasti, Agartala . SSC & Bank PO 9810008070
17 UttarPradesh 1. Pioneer Foundation, 250/15 KA, Shyamkunj,
Yahiaganj, Lucknow-226001. Pre- Medical & Pre-Engineering 9918337808
2. PMT Physics College, Lucknow, 31/56, M.G. Marg,
Above Bata & Kay Sons Showroom, Opposite Hotel Capoor's,
Hazratganj, Lucknow- 226001. Pre- Medical (NEET) & Pre-Engineering (IIT/UPSEE) 0522-2616637
18 Himachal Pradesh 1. Himalayan Institute of Engineering & Technology,
Sadhaura Road, Kala Amb, Sirmour, Himachal Pradesh
(Centre: Sirmour & Solan) JEE & CMAT (Common Management Admission Test) 9671300970
19 Odisha 1. AAKASH Coaching Institution, Near Salipur
Autonomous College, Cuttack, Odisha AIEEE & Banking 06762-247048, 9438772420
2. The Shine Institute, PO: Kunjakanta,
Dist: Dhenkanal, Odisha AIEEE & Banking 06762-228047, 8658566790
Source : socialjustice.nic.in
Tags: Central Govt. Scheme Free-Coaching Govt.-scheme Guidelines


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View this article online: https://www.insurancejournal.com/news/international/2014/06/18/332317.htm
Allianz, Munich Re's Ergo Said to be in Talks to Buy Greek Insurer Agrotiki
Allianz SE, Europe's largest insurer, and Munich Re's primary insurance unit, Ergo Versicherungsgruppe AG, are in talks to buy Agrotiki Insurance from Greece's Piraeus Bank SA, said three people familiar with the matter.
The price of Agrotiki, also known as ATE Insurance, is estimated at €60 million [$81.5 million] to €80 million ($108.65 million), according to one of the people, who asked not to be identified because the talks are private.
Piraeus, Greece's second-biggest bank by assets, raised €1.75 billion [$2.377 billion] from foreign investors in March, after a stress test conducted by the country's central bank identified a capital shortfall of €425 million [$577.2 million].
It also sold €500 million [$679 million] of three-year bonds on March 18 in the first public debt sale from a Greek lender since 2009. Greece's central bank said in March banks needed to boost their capital by €6.38 billion [$8.665 billion] following six years of recession and the country's financial crisis.
The deal could close at the end of this month, Greek newspaper Kathimerini reported today, without saying how it obtained the information. ATE Insurance's net revenue last year was €39.5 million [$53.65 million], up from €26.5 million [$36 million] the year before, the paper said.
Munich-based Allianz agreed to buy Milano Assicurazioni SpA assets from Unipol Gruppo Finanziario SpA for €440 million [$597.6 million] in March.
Today's Insurance Headlines | Most Popular | International News

redpajama_set_name: RedPajamaCommonCrawl


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Nederasselt is een klein landelijk dorp dat ligt in de Nederlandse provincie Gelderland. Het is een van de vier kernen van de gemeente Heumen. Naast Nederasselt behoren Heumen, Malden en Overasselt tot deze gemeente, waarvan het gemeentehuis in Malden staat.

Geschiedenis
De eerste bekende bewoning van Nederasselt is van ongeveer 2000 jaar voor Christus. De plaats is bewoond gebleven tot het einde van de Romeinse tijd. Daarna lijkt het tot de Karolingische tijd zo rond de negende eeuw onbewoond te zijn gebleven. Door gebrek aan middelen en kennis om op een rendabele manier landbouw te bedrijven en door de vele overstromingen van de Maas was het gebied lange tijd niet geschikt voor bewoning. De eerste vondsten die gedaan zijn van voorwerpen na de Romeinse tijd stammen dan ook uit de negende eeuw.

Het is door de eeuwen heen een gehucht gebleven, zoals ook de toenmalige naastgelegen buurtschappen Overasselt, Worsum en Ewijk en Lunen. De eerste drie vormen nu het dorp Overasselt terwijl Lunen steeds een buurtschap is gebleven.

Situering
Het dorp is gelegen op een lichtelijk hoger gelegen terp tussen de gebieden die nu bekendstaan als de uiterwaarden en het Broek. De uiterwaarden bestaan uit een relatief breed en groot buitendijks gebied. Het Broek is van oorsprong een moerassig laaggelegen gebied ten noorden van Nederasselt. Dit gebied is vrijwel onbewoond omdat het er tot 1926 onveilig was en het ongemakkelijk was om daar te wonen. Het overstroomde vaak vanwege de inadequate dijken en het gebrek aan natuurlijke drainage.

Molen
Vlak bij het dorp Nederasselt staat De Maasmolen, een standerdmolen uit ongeveer 1700. Deze Maasmolen is in de jaren zeventig verplaatst van het terrein van het huidige distributiecentrum naar het Molenwiel, dit is een door diverse verwoestende overstromingen en dijkdoorbraken gevormd meer. In de 17e eeuw is voor het verdedigen van de stad Grave het kroonwerk Coehoorn in de Nederasseltse uiterwaarden aangelegd. De naam Coehoorn is afkomstig van de bouwer Menno van Coehoorn. Van dit kroonwerk is heden ten dage niets meer over, maar er zijn struiken geplant op de plaats waar vroeger het kroonwerk stond, zodat de contouren hiervan goed zichtbaar zijn. Ook een restaurant, centraal in het dorp gesitueerd, is vernoemd naar Menno van Coehoorn.

Aan de westzijde heeft het dorp een weids karakter. Hier zijn nog vele aanzichten te vinden van de toenmalige dorpskern, die gevestigd was rond de Graafsche Weg, zoals die voor 1927 liep van Nijmegen naar Den Bosch. De huidige dorpskern is gegroeid rond de laatst gebouwde katholieke kerk in het dorp uit 1891. Hier zijn veel oude huizen bewaard gebleven en diverse straten zijn aangelegd in de jaren zestig. Aan de oostzijde heeft het dorp het karakter van een bedrijventerrein. Er staat onder andere een groot distributiecentrum, waar veel autochtonen uit dit dorp werken of hebben gewerkt. Dit distributiecentrum is ooit begonnen als transportbedrijf van een molenaar, die later ook melk ophaalde bij de boeren uit de buurt voor de zuivelfabriek die gevestigd was in het huidige pand aan de Broekstraat 9.

Kerk
De voornoemde katholieke kerk in Nederasselt is een levendige parochiekerk, Antonius-abt genaamd. De kerk is ontworpen door Pierre Cuypers. De kerk is middels aangepaste blauwdrukken van Pierre Cuypers uiteindelijk in de huidige vorm ontworpen door de Roermondse architect Caspar Franssen, die veel samenwerkte met Cuypers. Franssen was eind 19e eeuw de architect van zeer veel katholieke kerken, meestal in het zuiden des lands, toen de katholieken na een verbod van enkele eeuwen weer toestemming hadden om kerken te bouwen. De kerk heeft een neoromaanse basiliekstijl, een stijl die eind 19e eeuw erg in de mode was. Mensen die het door Cuijpers ontworpen Rijksmuseum en Centraal Station in Amsterdam kennen, zullen in het interieur veel overeenkomsten zien met de Nederasseltse kerk. Deze kerk verkeert in een goede staat. Er zijn veel actieve en toegewijde vrijwilligers die alles onderhouden en regelen en bijvoorbeeld drie koren die de vieringen opluisteren.

Klooster
Vast aan de kerk gebouwd is het voormalig klooster JMJ (Jezus Maria Jozef). Dit klooster is even oud als de kerk en eveneens ontworpen door Cuypers. Het klooster is geschonken uit de nalatenschap van de familie Tienen. Deze familie heeft het klooster geschonken als aflaat om eeuwigdurend het recht voor misintenties ten behoeve van redding van hun zielen te krijgen. In die tijd van massale bouw van kerken en kloosters was dit een bekende praktijk bij rijke katholieke families, die zo hun religieuze schuldgevoel over het hun beschikbare kapitaal konden compenseren.

De bouwmaterialen voor het gehele gebouw zijn vanaf het toenmalige veerhuis steen voor steen, balk voor balk met kruiwagens en paard en wagen van trekschuiten naar de bouwplaats vervoerd. Tegenwoordig is het kloostergebouw niet meer in gebruik als klooster en heet het gebouw "Het Tweede Huis". Het dient als opvang voor mensen die vanwege diverse soorten problemen enige tijd een zorgeloze opvang nodig hebben.

In Nederasselt bevindt zich in het Klokstraatje het gebouw dat gediend heeft als Nederlands Hervormde Kerk. Dit is oorspronkelijk een eenvoudig vierkant bouwwerk uit 1804, ontworpen door architect E. Hekkelman. De kleine toren met daaronder een hal, die diende als ingang, is aangebouwd in 1934. Naast de kerk staat het voormalige kostershuis. De kerk is niet meer in gebruik voor religieuze doeleinden. Alleen het kerkhof wordt nog sporadisch gebruikt. Het heeft nu een eigen ingang, los van de kerk, open voor publiek. Het gebouw doet tegenwoordig dienst als atelier voor een kunstenaar, woonachtig in het voormalig kostershuis.

Rijksweg
Tussen de oude en de nieuwe kernen van Nederasselt in ligt de "Rijksweg". Deze weg, die sinds 1927 de vervanger is van de oude Graafsche Weg, leidt naar de tevens in 1927 afgebouwde Maasbrug, die na de bouw korte tijd de langste brug van Europa was. Omdat op deze plek al eeuwen een soort hogere doorwaadbare zandbank was, heeft men tevens een stuw aangelegd met daarnaast een sluiscomplex. Aan het grote verval kan men zien dat er reeds eeuwen een soort stuwfunctie is uitgegaan van deze plek. Door deze brug en verdere kanalisering van de Maas op andere plekken konden nu vanaf 1927 diepere schepen tot kustvaarders toe door de Maas varen van Rotterdam naar Limburg en zelfs tot in Luik (België) en omgekeerd.

Zie ook
 Lijst van rijksmonumenten in Nederasselt
 Lijst van gemeentelijke monumenten in Nederasselt

Fotogalerij

Plaats in Gelderland
Geografie van Heumen

redpajama_set_name: RedPajamaWikipedia


You can't not give them anything for the holidays – you see them five days a week! Here are a few ideas for the boss, the overachiever, the slacker, the resident gossip, or just your average office buddy.
Drop a hint on whoever shares your cubicle. The Animal Mini Tabletop Vacuum, in cow and pig varieties, keeps things from looking like a zoo at the press of a button. Powered by two AA batteries, it swoops on dust and crumbs with no mercy. It serves well as a paperweight, too.
Possibly the coolest thing you can ever give this Christmas is a Mimobot designer USB flash drive. One-eyed monsters, blunt-toothed Draculas, and angry Rastafarians are just some of the designs. These don't just serve their purpose, but are collectibles too… only a few of each model are made. The Happy Tree Friends and Star Wars editions are pretty popular.
Is the potted plant by the corner wilting again? Spruce up the workspace with Christmas Nyokki Grass Pets instead. No need for green thumbs; these adorable ceramics shaped like cracked eggs with legs sticking out are filled with grass seeds which grow easily. The weeds serve as "hair" to match the gingerbread man, snowman, and Santa Claus faces of the pets.
If you don't want to buy a gift for every single person on your floor, buy one for the entire group instead! The Sanctuary charging station can power up as many as 12 gadgets at a time, whether they be music players, cameras, or mobile phones. That way you'll stop tripping over that snarl of wires on the floor, too.


Whether you prefer to meet people online or offline, it's hard to get away without texting when you're dating in 2018. When done right though, those little emojis and witty one-liners can add a layer in a relationship that builds anticipation towards your next date out (or in). It doesn't come naturally for everyone though. So if you need a little more inspiration, you can check more flirty questions here.
Here are a few things to keep in mind when you text flirt your boyfriend.
I always agree that text messages are meant to be short and sweet. If you want to have a real conversation that doesn't involve emojis, do it in person or over the phone. No one wants to read an essay over text. In fact, this is the key to a successful flirtation, leave a little to the imagination. Remember that texts are short conversations, check-ins and sharing funny things you found online. It is not a platform for a d&m (deep and meaningful). You can create a little mystery but telling him about something that turned you on or an idea you have about your next big date. If he probes you for more info you can cheekily tell him that it's a secret or that he has to guess what you'll be doing.
When you've finally sent that carefully crafted text, the anticipation of receiving a response can leave you in suspense and anxiety. But everyone has a different relationship with their phones and your man may not have his glued to his hip at all times. So the next time you hit send, give him space to respond. Don't waste time staring at the phone waiting for those 3 grey dots to turn into a text reply.
No, he did not lose his phone. His phone is working fine. If he doesn't text you back right away, it doesn't mean he's playing games or that he's not interested. Don't overanalyze it and give the situation anxious energy. To manage the anxiety that comes with waiting for a reply, think of some things you love to do. Things that make you feel the most you. It could be dancing, listening to music. Write it all down. The next time you find yourself waiting by the phone, do one of these things. Not only will it take your mind off waiting for a text back, it'll also put you in a good mood.
Not confident about your texting know-how? Here are some flirty text examples, read here.
In the early stages of a relationship, it's flattering to be wanted. You want to maintain the balance between showing your interest without moving too quickly into coupledom (especially when a guy isn't ready for a committed relationship). Try to send texts that show you're thinking about him. For example, if he's always talking about his love for coffee and you happen to stumble across a good brew, take a photo and send it to him with something along the lines of "Wish you were here, you'd love this coffee". It shows you've been listening and care about the little things that make his day. And it's the little things that count.
We've already covered that text messages aren't a place for conflict, awkward conversations and 'where is this going?' type chats. So next time you text your boyfriend, keep it light. Tell him a joke or something funny that happened during the day. If you see something funny, take a picture and send it to him and tell him to "caption this". If you've spent the morning together, send him a text on your way to work to tell him how handsome he looked.
There are new emojis and gifs popping up every day. Gone are the days where an SMS is just text. Make your texts fun with a mix of emojis, gifs and photos of you (explicit or not). It could be short videos of you saying good night if you're traveling or voice notes telling him you're thinking of him. My husband and I send each other voice notes throughout the day. It's the best alternative to a phone call. Get creative with your opening line. As this article suggests, don't be a boring texter and open a text conversation with 'hey how was your day?".
A note on emojis: Use them in moderation. You should only need one or two in a text to convey your point. Though you could string out full sentences with them, it's best not to. It's overstepping the line between playful and annoying, especially if your guy isn't emoji literate.
Everyone is a little braver over text. It's how sexting became a thing. If you're shy about the idea, start with sending him a photo of you in an outfit you feel hot in. Leave the caption simple, like "Can't wait to see you tonight". When it comes to texting, less is always more.
The art of text flirting is definitely something they don't teach in school. If you need a few ideas, here are some SMS ideas that you can send to your boyfriend tonight. Want to learn more about texting or need some quick advice? Happy to help. Send me an email at iona (@) 30everafter.com. I can't wait to hear from you.


This 7 year old plow came in for a new cutting edge. It took a hard hit last storm and the center pivot (King) bolt had snapped.
in the pic to illustrate the damage and wear to the tubes we cut off. They were mushroomed on the ends, and oval shaped.
Grinding A Frame pivot for bushing install.
Setting A Frame back on Sector.
Filling & bleeding new Angle Rams.
Replace 4" Angle Rams & misc. repairs on 10' Valk Xpressway plow.
Had to cut open the pivot boxes to heat the tubes.
Got the old pins out, honing the tubes.
Had to cut off the shoe runner brackets. Prepping to weld them back on.
Ready to weld on new shoe bracket.
Welding on new shoe bracket.
Neverseize applied to trip spring eyes.
Replace snapped off Pivot Pins on C-8.


I have personally lost 118 pounds and they stay off, my results are constant. I have figured out what works long term and guarantee I can help you do the same.
The system is proven all you have to do is follow it.
Lots of options for every budget.
What is your health worth per day?
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Just want to FEEL better?
Cant figure out how to lose weight?
My name is Brian, I have lost over 118 pounds!


Many residents are still calling Community Patrol to handle Police matters. Additionally, Community Patrol continues to handle certain calls pertaining to Police matters, even though they have been instructed not to.
An example of this is when people call Community Patrol after seeing suspicious persons who appear to be casing out cars or houses late at night, or juveniles defacing public property. Sometimes they call Patrol for theft from vehicles, public intoxication, suspected drunk driving, etc.
Lieutenant Quinata from the Riverside Sheriff's Department has said time and time again that residents should be calling Police, not Community Patrol, for matters that pertain to the law. Contacting Community Patrol for Police matters will delay Police response time.
So who should you call when you need help?
Residents should always call 911 in an emergency. If in need of an immediate response, be it law enforcement or fire. never call Community Patrol in an emergency unless you've called 911 first.
Residents should call the Police for non-emergency incidents that pertain to the law and duties regularly carried out by peace officers. Do not call the Police for Rules and Regulation violations. Community Patrol handles those matters.
Many residents choose to call Community Patrol for crime-related incidents instead of the Police because they feel that Community Patrol will arrive faster than the police will, and in most cases they will. But Community Patrol does not have the same authority as Police officers. Community Patrol staff are not allowed to carry weapons, detain or handcuff people or make arrests.
So when it comes to crime, you should always call the Police first, not Community Patrol. If you call Community Patrol to report a crime, be sure you do it after you've called the Police.
Residents should only call Community Patrol for matters that pertain to Rules and Regulation violations and for non-emergency incidents that would NOT be carried out by Police.
Police Department Main Line: 951-210-1000.
Police Department Non- Emergency Dispatch Line: 951-776-1099, ext 5.


An increased interest in immunotherapy as a treatment for colorectal cancer has developed due to the identification of key molecules and the improved understanding of the interactions between the immune system and tumors. Immunotherapy can be a powerful weapon to treat cancer as it can be used to engage a patient's own immune system to fight the disease. Depending on the mechanisms of action, immunotherapies can potentially be combined with other immunotherapeutics, chemotherapy, targeted therapy, or other traditional therapies. The recent discovery of immunotherapy agents such as checkpoint inhibitors has opened the door for treatment approaches that take advantage of the activity of these agents in various epithelial tumors. This can mean a great deal for advancing colorectal cancer management.
Colorectal cancer is the second most common cancer in female patients and the third most common in male patients. More than 20% of patients already have metastatic disease at the time of diagnosis. The survival rate with distant metastasis is approximately 12%; the average survival for advanced disease is about 30 months. Metastatic colorectal cancer is still the fourth most common cause of death from cancer. Consequently, pursuit of improved disease management for colorectal cancer with immunotherapy agents such as checkpoint inhibitors may be valuable and promising.
Checkpoint proteins of the immune system help keep immune cells from attacking other normal cells. Immune checkpoint inhibitors are agents that prevent immune cells from being turned off by cancer cells. The boosted immune response can help fight the attacking cancer and can result in a remarkable clinical response as a result. Thorough evaluation of the clinical activity of checkpoint inhibitors in colorectal cancer still needs to be conducted in larger patient groups, in trials that incorporate examination of predictive biomarkers, as well as combination of these agents with conventional therapies. Side effects have been noted and could be due to checkpoint inhibitors allowing the immune system to attack non-cancerous organs in the body. Fatigue, cough, nausea, skin rash, and itching have been the most common. Serious problems in the lungs, intestines, liver, kidneys, hormone-making glands, or other organs may also occur, as well as peculiar autoimmune adverse events, such as colitis, hepatitis, and endocrinopathies for checkpoint inhibitors such as ipilimumab and nivolumab.
The demonstrated effectiveness of immunotherapies in a broad range of solid malignancies shows great promise for treating colorectal cancer. Going forward, the development of reliable, predictive biomarkers and evolving the understanding of the mechanisms that underlie resistance or lack of response to immunotherapeutics are challenges to overcome. In order to gain further insights relevant to future investigations of colorectal cancer immunotherapy, new immunotherapies and approval of more drugs are needed and highly anticipated.
Labeling information on immune checkpoint inhibitors, as well as on thousands of other products, is available on PDR.net. Please update or register your PDR profile to receive alerts and other critical drug information from PDR via email. Also, look for information from PDR within your eRx workflow. Drug safety information, updates about dosing and formulary, patient support programs, and savings opportunities display on your screen as you prescribe, at no cost to you or your patients. To learn more about PDR services in your eRx/EMR/EHR workflow, email us at EHR-info@PDR.net.


Marine research scientist specializing in fish endocrinology.
Raised in Esperance, Western Australia, Kristen has spent years travelling the country and the world surfing, diving and fishing. Her love and passion for the ocean was the driving force for her career in marine science.
As a research scientist, Kristen specializing in fish endocrinology and completed her studies at the National Centre for Marine Conservation and Resource Sustainability at the University of Tasmania, Australia.
She has worked in the fish industry for over 10 years, conducting research and working with both government and commercial fisheries.


We've had a mixed bag of gifts from the Star Wars Advent Calendar, and with just 1 day until The Last Jedi opens, maybe we'll get something good!
Um. Nope. It's a First Order Snowtrooper, which is always appreciated. This guy has some very nice printing on his front and back, and he'll make a nice addition to a trooper army. There's a nice symmetry with yesterday's snowspeeder… Maybe that's how this whole thing works?


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120th Anniversary: American Museum of Natural History (Exhibition)
1989 June - 1989 June
Exhibition. Open in June 1989. Located in the New York State Roosevelt Memorial at the American Museum of Natural History. "120th Anniversary: American Museum of Natural History" commemorated the 120th anniversary of the Museum with a 15-foot representation of a Tyrannosaurus rex.
"120th Anniversary: American Museum of Natural History" commemorated the 120th anniversary of the Museum with a 15-foot representation of a Tyrannosaurus rex. Key points of the history of the Museum were recounted in the exhibition. It was on view in the Theodore Roosevelt Memorial Hall of the American Museum of Natural History during the month of June, 1989.
American Museum of Natural History Press Release: Museum Programs and Exhibitions Calendar, June, 1989. Departmental Records, 101; American Museum of Natural History Library Archives.
New York State Roosevelt Memorial.


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Den topografiska modellen indelar människans psykiska apparat i medvetet, förmedvetet och omedvetet .

Den topografiska modellen skapades av psykoanalysens fader Sigmund Freud år 1900. Den strukturella modellen, som delar in psyket i detet, jaget och överjaget, togs i bruk och användes tillsammans med den topografiska modellen alltmer efterhand.

Referenser

Se även
 Psykoanalys

Medvetande
Psykoanalys
Psykoterapi


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Carpe diem 101
Personal Development, Poetry, Travel & Art
People & Quotes
Museum: British Museum – London
Posted on February 10, 2013 November 9, 2013 by Egil
The British Museum is the chronicle of the western civilization.
~Rick Steves (London 2013)
The British Museum is a museum in London dedicated to human history and culture. Its permanent collection, numbering some eight million works, is among the largest and most comprehensive in existence and originates from all continents, illustrating and documenting the story of human culture from its beginnings to the present.
The British Museum was established in 1753, largely based on the collections of the physician and scientist Sir Hans Sloane. The museum first opened to the public on 15 January 1759 in Montagu House in Bloomsbury, on the site of the current museum building. Its expansion over the following two and a half centuries was largely a result of an expanding British colonial footprint and has resulted in the creation of several branch institutions, the first being the British Museum (Natural History) in South Kensington in 1887. Some objects in the collection, most notably the Elgin Marbles from theParthenon, are the objects of intense controversy and of calls for restitution to their countries of origin.
Until 1997, when the British Library (previously centred on the Round Reading Room) moved to a new site, the British Museum was unique in that it housed both a national museum of antiquities and a national library in the same building. The museum is a non-departmental public body sponsored by the Department for Culture, Media and Sport, and as with all other national museums in the United Kingdom it charges no admission fee, except for loan exhibitions. Since 2002 the director of the museum has been Neil MacGregor.
Continue reading "Museum: British Museum – London" →
Posted in Art, TravelTagged Amenhotep III, Ashurbanipal, Assyrian king, British Museum, Gayer-Anderson cat, Gebelein predynastic mummies, Lion hunts, London, Lycurgus Cup, Sir Hans Sloane, The Elgin Marbles, The Portland Vase, The Rosetta Stone, Younger MemnonLeave a comment
Museum: Victoria & Albert Museum – London
Posted on October 28, 2012 November 29, 2012 by Egil
I plan to visit this lovely museum on October 31… so I need to plan ahead..
The Victoria and Albert Museum (often abbreviated as the V&A), is the world's largest museum of decorative arts and design, housing a permanent collection of over 4.5 million objects. Named after Prince Albert and Queen Victoria, it was founded in 1852, and has since grown to cover 12.5 acres (51,000 m2) and 145 galleries. Its collection spans 5,000 years of art, from ancient times to the present day, in virtually every medium, from the cultures of Europe, North America, Asia and North Africa. The museum is a non-departmental public body sponsored by the Department for Culture, Media and Sport.
One of the highlights is John Constables "Salisbury Cathedral from the Bishop's Grounds"
Set in the Brompton district of the Royal Borough of Kensington and Chelsea, neighbouring institutions include the Natural History Museum and Science Museum, the V&A is located in what is termed London's "Albertopolis", an area of immense cultural, scientific and educational importance. Since 2001, the museum has embarked on a major £150m renovation programme, which has seen a major overhaul of the departments, including the introduction of newer galleries, gardens, shops and visitor facilities. Following in similar vein to other national British museums, entrance to the museum has been free since 2001.
The Victoria and Albert Museum is located at
Cromwell Road, London SW7 2RL
The Three Graces – Canova (1814-17)
… away on loan.. bu-hu… 🙁
"Salisbury Cathedral from the Bishop's Grounds" – John Constable (1823)
Salisbury Cathedral from the Bishop's Grounds is an 1823 painting by the nineteenth-century landscape painter John Constable (1776–1837). This timeless image of England's most famous medieval church is one of his most celebrated works, and was commissioned by one of his closest friends, John Fisher, The Bishop of Salisbury. Constable visited Salisbury in 1820 and made a series of oil sketches of the cathedral, which served as the model for this composition.
The Day Dream – Dante Gabriel Rossetti (1880)
The sitter for this painting was Jane Morris, the wife of William Morris, who often posed for Rossetti. At the time this was painted Rossetti was involved in an illicit love affair with Jane. He shows her sitting in the branches of a sycamore tree and holding a sprig of honeysuckle. This sweet-smelling climbing plant symbolised the bonds of love for the Victorians, and Rossetti may have included it here as a subtle reference to the relationship between artist and model. Rossetti was also a poet, and the title relates to his poem of the same name which ends:
She dreams; till now on her forgotten book
Drops the forgotten blossom from her hand.
The Raphael Cartoons – Raphael (1515-16)
The Raphael Cartoons are seven large cartoons for tapestries, belonging to the British Royal Collection but since 1865 on loan to theVictoria and Albert Museum in London, designed by the High Renaissance painter Raphael in 1515–16 and showing scenes from the Gospels and Acts of the Apostles. They are the only surviving members of a set of ten cartoons commissioned by Pope Leo X for tapestries for the Sistine Chapel in the Vatican Palace, which are still (on special occasions) hung below Michelangelo's famous ceiling. Reproduced in the form of prints, they rivalled Michelangelo's ceiling as the most famous and influential designs of the Renaissance, and were well known to all artists of the Renaissance and Baroque. Admiration of them reached its highest pitch in the 18th and 19th centuries; they were described as "the Parthenon sculptures of modern art".
Neptune & Triton – Bernini (1622-23)
Neptune and Triton is an early sculpture by the Italian artist Gian Lorenzo Bernini. It is housed in the Victoria and Albert Museum of London and was executed c. 1622–1623. Carved from marble, it stands 182.2 cm (71.7 in) in height.
Samson Slaying a Philistine – Giambologna (ca.1562)
The sculpture of Samson Slaying a Philistine is the earliest of the great marble groups by Giambologna (1529-1608), sculptor to theMedici Grand Dukes of Tuscany, and the only substantial work by the artist to have left Italy. It was commissioned in about 1562, byFrancesco de Medici for a fountain in Florence, but was later sent as a gift to Spain. The group was presented to the Prince of Wales, later King Charles I, in 1623 while he was in Spain negotiating a marriage contract, and it soon became the most famous Italian sculpture in England. On its arrival in England it was given to the king's favourite, the Duke of Buckingham, and subsequently changed hands three times before coming to the Victoria and Albert Museum in 1954.
Theseus and the Minotaur – Canova (1782)
The legendary Greek hero Theseus sits astride the minotaur whom he has just killed. Coils of thread used by Theseus to retrace his steps from the minotaur's lair can be seen by the minotaur's left leg. This was one of Canova's earliest completed works after he left Venice to settle in Rome, in 1781. The massive block of marble from which this group was carved was given to Canova by his patron Girolamo Zulian, who was Venetian ambassador in Rome. Zulian gave Canova the choice of subject for the work, and he decided on one of the stories from Ovid's Metamorphoses.
Posted in Art, TravelTagged art, London, Museum, Victoria & Albert MuseumLeave a comment
How To Live a Long, Happy & Healthy Life – Insights From Two Great TED Talks
Great Book: A Guide to the Good Life: The Ancient Art of Stoic Joy by William B. Irvine – A 15 min Summary
Strategies on How to Read and Learn From Books
My Morning Routine
Great Book: "The Miracle Morning" by Hal Elrod – A 23-min Summary
Great Thinkers (1)
Habit (14)
Habits General (3)
People & Inspiring Quotes (25)
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90% of schools voted us great value for money 2017!
Price has been listed as the number 1 priority when schools are selecting a school trip provider in a recent School Travel Forum survey, involving 60 schools.
We are delighted to announce that 90% of Acorn's schools and groups voted us `Great value for money` in 2017.
Every year, we seek feedback from teachers and pupils to find out how we are doing, so we can keep on meeting expectations and be the best we can be. We work hard to keep our prices low and our programmes rich in content, so it's great to hear that we have got it right for so many of our customers this year.
Acorn's aim is for every young person to experience an overnight adventure and so we offer a range of destinations, durations, accommodation options and prices that allow every school to offer an affordable outdoor adventure residential to their pupils.
We are repeatedly told that price is the main reason teachers select us initially. Schools continue to travel with us because we are incredible value for money. Our prices are low and yet we offer quality adventure programmes with the best technical activities, in the most popular school trip locations in the UK and Europe. On top of this, Acorn has small, friendly centres that provide each school with their own accommodation and dining areas. More and more schools are tiring of large centres, filled with lots of school groups and are preferring the smaller, personal setting that Acorn Adventure centres offer.
Price is key, yes. But value for money is so much more important. With Acorn you can enjoy the full outdoor adventure experience, in your own exclusive accommodation area, at prices your pupils can afford. There is no need to compromise on your next school adventure residential.


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Hashtag: paintings
Combing nuances of poetry, music into Kangra's miniature paintings
"The Pahari painters rarely inscribed their works," he explained of his research into the book, adding: "We have only sketchy information about the lives and working process of Pahari painters; hence attempts to describe their careers remain uncertain."
Major Indian artists at upcoming New York auction series
A diverse contemporary section includes impressive prints and a sculpture by Zarina, and significant works by the region's most renowned practitioners like Atul Dodiya, Anju Dodiya, Ranjani Shettar, Jitish Kallat and Subodh Gupta, to name a few.


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redpajama_set_name: RedPajamaGithub


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Bobby Murcer
The Yankees' Outfield Suddenly Looks As Bad As The Mets'
Fantasy/Roto, Free Agents, Games, Hall Of Fame, History, Hot Stove, Management, Media, MiLB, MVP, PEDs, Players, Playoffs, Prospects, Spring Training, Stats, World Series
Of course that's in context. If you look at the projected outfields of the Yankees and Mets based on their players on paper, the Yankees are still superior. As diminished as Ichiro Suzuki is, he's more proven that the cast of characters (led by Mike Baxter) the Mets have vying for right field. But whoever the Yankees put in left to replace the now-injured Curtis Granderson isn't going to be better than Lucas Duda. Brett Gardner is a good player, but he's not a prototypical "Yankees center fielder" along the lines of Joe DiMaggio, Mickey Mantle, or even Bobby Murcer, Bernie Williams all the way down the line to Granderson.
In his first spring training plate appearance, Granderson was hit by a pitch and had his forearm broken. He'll be out until May and now the Yankees are seeing how a bad bench and limited ready-for-prime-time minor leaguers can harm their rapidly declining chances to win a title. With a team this old, it's inexplicable that they scrimped and saved to let Raul Ibanez and Eric Chavez leave. Granderson's one of the younger players on this ancient roster and got hurt while playing the game. The other, older players like Derek Jeter, Travis Hafner and Kevin Youkilis could wind up on the disabled list by waking up after sleeping in a strange position. What is going to harm this team to a greater degree—and one that hasn't been mentioned as often as it should—is the inability to use PEDs and amphetamines to get through the season. There's not a cure for what ails them other than letting nature take its course.
The Mets are rebuilding and had no intention nor realistic need to spend any money on players that weren't going to help them in the distant future or were going to cost them the eleventh pick in the draft as Michael Bourn would've. The Yankees, on the other hand, have expectations of a championship in spite of their newfound austerity and conscious decision to stick with what they had and keep the severely declining Ichiro. With the money-related departures of Chavez and Ibanez, they're left with limited veterans Juan Rivera and Matt Diaz as the probable left field replacement for Granderson with the possibilities of Melky Mesa and Zoilo Almonte.
Soon fans will start reverting to their "stars replace stars for even one game" template and demand the Yankees pursue and get Giancarlo Stanton. Whether the fans and media will have the nerve to suggest they pursue Mike Trout is the question. Neither will happen. Other possibilities of the more reasonable variety are Vernon Wells, Alfonso Soriano or Drew Stubbs. None are probable. Considering the expectations and lack of offense at catcher and right field with the aged and injury prone players they have in the lineup, they now have to function with an outfield that, plainly and simply, ain't gonna cut it.
If this is an omen for the Yankees, it's a bad one. It took one day—one day—for their weak bench to assert itself as the unpredictability of baseball from moment-to-moment reared its head. They went with the cheap bench and they've got the cheap bench. If a worst case scenario was predicted for the 2013 Yankees, this injury to Granderson and a comparison to the Mets is a great place to start.
February 25, 2013 Paul Lebowitz Tagged Alfonso Soriano, Available outfielders for the Yankees, Bernie Williams, Bobby Murcer, Brett Gardner, Curtis Granderson, Derek Jeter, Drew Stubbs, Eric Chavez, Giancarlo Stanton, Granderson injury, Ichiro Suzuki, Joe DiMaggio, Juan Rivera, Kevin Youkilis, Lucas Duda, Matt Diaz, Melky Mesa, Michael Bourn, Mickey Mantle, Mike Baxter, Mike Trout, New York Yankees, Raul Ibanez, Replacements for Granderson, Travis Hafner, Vernon Wells, Yankees, Zoilo Almonte	Leave a comment
Cameron vs Puckett—*Wink Wink*
All Star Game, Ballparks, Basketball, Books, CBA, Draft, Fantasy/Roto, Free Agents, Games, Hall Of Fame, History, Hot Stove, Management, Media, MVP, PEDs, Players, Playoffs, Politics, Spring Training, Stats, Trade Rumors, World Series
Following his retirement, I saw it repeated ad nauseam that Mike Cameron has a higher career WAR (Wins Above Replacement) than Kirby Puckett.
What the implication of the "higher WAR" for Cameron suggests is anyone's guess because they won't come out and specifically say it.
I'm not grasping the random, silly comparison between two different players who have very little in common apart from both being center fielders.
But why pick on Puckett? Couldn't they compare Cameron to a player with whom he has comparable stats according to Baseball-Reference's comparison metric at the bottom of each player's page?
Cameron's comps are the likes of Jimmy Wynn (the Toy Cannon—great nickname), Tom Brunansky, Bobby Murcer, Chet Lemon, and Torii Hunter.
Puckett's similar players are Don Mattingly, Cecil Cooper, Magglio Ordonez, Kiki Cuyler (the only Hall of Famer along with Puckett) and Tony Oliva.
The big problem that Puckett has is that he was elected to the Hall of Fame while probably being an "outside looking in" player had he retired of his own volition rather than because of glaucoma.
Was it sympathy? Was it a projection of what he "would" have done had he not had such a devastating career ending?
If they're going down that road, the argument could be made that Mattingly should also be a Hall of Famer because of his injured back that robbed him of his power.
If Puckett is overrated, then so is Larry Walker who had similar home/road splits as Puckett did. And stat people push Walker for the Hall of Fame.
Walker hit .381 for his career at Coors Field. The next best number per ballpark was in Montreal's Olympic Stadium where he had a slash line of .293/.373/.518.
After that was his other home park of Busch Stadium late in his career where he posted a .294/.391/.536.
Good but not all world or in the realm of ridiculous as his Coors Field numbers are.
The crux of the wink wink/nod nod argument is that Cameron's career WAR was 46.7 and Puckett's was 44.8.
Yes, I suppose technically Cameron had a "higher" WAR than Puckett, but since the people who reference WAR treat it as the end-all/be-all of analytical existence, wouldn't it be prudent to mention that Cameron played in 5 more seasons than Puckett did to accumulate that total?
If you'd like to go by WAR, Cameron's highest season WAR was 6.4 and his average, per season was 2.7.
Puckett's highest WAR was 7.2 and his average was 3.7.
The aforementioned Walker had a career WAR of 67.3, but his numbers were severely bolstered by playing in the pinball machine of Coors Field in his prime. Plus there were suggestions that Walker's power wasn't all natural and, considering the era, everyone's a suspect.
The only thing Puckett used in excess were cheeseburgers.
Here's the reality, statistically and otherwise, with Cameron vs Puckett:
Cameron was an all-world defensive center fielder; Puckett won 6 Gold Gloves and his statistical defensive decline coincided with his burst of power in 1986. As a contemporary of Devon White and Gary Pettis, Puckett didn't deserve the Gold Gloves.
Puckett batted .318 for his career with a .360 OBP and .477 slugging. Cameron's slash line was .249/.338/.444.
Puckett hit 207 homers and stole 134 bases. Cameron had 278 homers and stole 297 bases.
Puckett averaged 88 strikeouts a season. Cameron averaged 158 strikeouts a season.
Puckett won 6 Silver Slugger Awards and batted above .314 eight times in his twelve year career. Cameron's career high average was .273.
Puckett had a career OPS of .837. Cameron's was .782. Puckett's OPS+ (which accounts for ballpark factor) was 124. Cameron's was 105.
In Game 6 of the 1991 World Series, Puckett made a great catch in center field to rob Ron Gant of an extra base hit, went 3 for 4 at the plate and hit a game-winning homer to send the series to a decisive Game 7, which the Twins won.
Puckett won two World Series with the Twins and batted .309 with 5 post-season homers. Cameron batted .174 in 112 post season plate appearances with 1 home run.
What's the comparison here?
There is none.
Puckett and Cameron not only shouldn't be compared, they shouldn't even be mentioned in the same sentence.
So what's the point?
I'm not sure because they won't say it. All they'll utter are interjections like "WOW!!!" followed by the indirect suggestion that Cameron was better than Puckett.
Are they saying that Cameron was better than Puckett? That Puckett was overrated and Cameron was underrated? And if they're trying to say something to the tune of either argument, why not just come out and say it? Why does it have to be danced around like a clumsy, worn out ballerina with the kindasorta suggestion of what's being said without it actually being said?
This is why those who aren't immersed in numbers can't take seriously those who use statistics as the final arbiter of all discussions. They use them when they're convenient to their argument, leave out context and then avoid saying what they're trying to say to avoid the attacks of people like me who don't want to hear such silliness.
But I said it anyway.
Puckett was better than Cameron. Period.
February 21, 2012 Paul Lebowitz Tagged Bobby Murcer, Braves, Braves-Twins 1991, Cecil Cooper, Chet Lemon, comparable players to Mike Cameron, Coors Field, Devon White, Don Mattingly, Gary Pettis, Jimmy Wynn, Kiki Cuyler, Kirby Puckett, Kirby Puckett Gold Glove, Kirby Puckett WAR, Larry Walker, Larry Walker Coors Field, Larry Walker splits, Magglio Ordonez, Mike Cameron, Mike Cameron Kirby Puckett, Mike Cameron WAR, Ron Gant, Tom Brunansky, Tony Oliva, Torii Hunter, Twins	Leave a comment


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Local team enters tech competition, vote now
New Leaders, a Web application design and development company based in Truckee, Calif., recently set out to build in under 48 hours the most comprehensive Web-based personal finance software possible. The team consisted of two previous winners " Robert Bousquet of Truckee, California and Bryan Wood of Austin, Texas; and new comer Kevin Milden of Santa Barbara, California.
Their entry is named "Electric Checkbook"(www.ElectricCheckBook.com) and allows people to track checking, savings, cash and credit card accounts by manually entering the transactions into a virtual ledger. The accounts can be grouped and sorted allowing users to get a complete balance across all accounts.
The accounts can be shared with family members, business parters, bookkeepers and accountants; features that Intuit's Quicken has failed to implement causing frustration for many consumers.
"We really needed to solve our own problem" says Robert Bousquet, founder of New Leaders and developer of Electric Checkbook. "Intuit's solutions are based on yesterday's technology. They are file- and software-based, expensive and difficult to use. We needed to share financial information with remote partners within our company and had no viable way to do that."
Bousquet is an award winning developer and has helped companies such as CollectiveX, Pro-core, USC and CastTV develop and launch successful products.
"We aim to help people understand how to manage money better," said Kevin Milden, lead designer and the visionary behind the product. "Accounting is such a standardized field and affects our everyday lives, yet people graduate college without the ability to manage a checkbook. It's either a conspiracy or a huge oversight." he continues. "By making the Web site friendly and appealing to consumers it is possible that we can actually help them build wealth and be better prepared for the future."
New Leaders contends that the code under the hood is as beautiful as the user interface the new application sports.
"We take as much pride in the quality of code we write as we do with the experience it provides. The entire application consists of just over 1,200 lines of code. Which is remarkably low compared to similar sized products." Wood said.
In just a few days, thousands of people have visited the New Leaders Web site to test out easy accounting for everyone.
"The response has been extraordinary. All types of people have expressed excitement for this new product, from baby boomers to YouTubers. It's very rare for us to create something that can benefit such a large market," Bousquet said. "We have been told more than once that we are the clear winner, but only the final public vote will make that prediction true."
Electric CheckBook follows a new trend in software development of building simple applications that can be accessed from anywhere with a Web browser and Internet connection. Companies such as Google, 37Signals, and Salesforce.com have been successful in acquiring millions of customers building Web-based products further validating the market.
New Leaders is Team #27 on the Rails Rumble Web site. (www.railsrumble.com) People's choice will determine the competition, which means anyone can vote for their entry. Robert, Bryan and Kevin have been actively promoting the product since Sunday to friends and family.
Vote for their entry by signing up at:
http://vote.railsrumble.com/signup


Discussion in 'Sports, Hobbies & Interests' started by sooner130, Mar 12, 2008.
Anyone interested in riding here in Oklahoma City. I have a Harley softail and so many of my friends have been trading them in for babies. I have no idea why! Its about riding season again.


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in original box with brochure 1 3/4"


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Morgan Stanley cuts its outlook on the US housing market, where it expects a house price correction in 2023
Nationally, home prices fell 1.3% between June and August. It marked the first decline measured by the lagged Case-Shiller National Home Price Index since 2012.
It's more than a small dive, it's a change of trajectory. At least, that's according to the latest forecasts produced by Morgan Stanley's economics team.
This year, Morgan Stanley expects U.S. home prices, as measured by the Case-Shiller index, to end with a 4% year-over-year increase. But considering that the Case-Shiller index rose 8.9% in the first six months of 2022, that means Morgan Stanley expects U.S. home prices to fall dramatically. 5%, including the 1.3% drop between June and August, in the second half. of 2022.
The house price correction will not stop there. Morgan Stanley expects U.S. home prices, as measured by the Case-Shiller index, to fall another 4% in 2023. All told, the Wall Street bank expects home prices fall about 10% between June 2022 and the low in 2024. (Previously, Morgan Stanley predicted a 7% drop from peak to trough in US home prices).
The latest housing correction, which saw U.S. home prices fall 27% between 2006 and 2012, was anchored by high unemployment, "under pressure" affordability, dodgy mortgage products and a glut of debt. offer. This time we just have this Fortune calls affordability "under pressure": bubbly home prices coupled with skyrocketing mortgage rates.
"The median price of existing home sales is up 38% since March 2020. Mortgage rates are up more than 300 basis points [3 percentage points] in the past eight months, the first time we've seen something like this since 1980/81. The combination of the two led to a faster deterioration in affordability than at any other point in our time series," write the Morgan Stanley researchers.
Going forward, three levers can help "depressurize" affordability, according to the bank. First, if inflation slows and financial conditions ease, this would theoretically lead to lower mortgage rates and thus improve affordability. Second, rising incomes (which are up 4.4% year over year) could improve affordability. Third, the continued decline in house prices would contribute to "depressurizing" affordability. As long as affordability remains "under pressure", Morgan Stanley expects this third lever to be pulled.
"So far we have focused on housing forecasts through the end of 2023, but we do not believe that December 2023 will be the trough in house prices. It is not a revolutionary statement to say that the trajectory of home prices through 2024 and beyond is filled with more than a little uncertainty," the researchers write.
Let's take a closer look at Morgan Stanley's latest housing outlook.
Tight Inventory Won't Stop Home Prices From Falling, But It Could Create a Floor
The ongoing affordability shock – frothy house prices coupled with skyrocketing mortgage rates – has seen demand slump. From one year to another, mortgage purchase requests are down 40.7%. However, this did not translate into increased supply levels: Inventory levels in October were 37.6% lower than October 2019 levels.
"The conditions of supply are historically disputed [for] drive up house prices from here. If we are below 6 months of total supply, annual house price growth has never turned negative over the next six months since this Case-Shiller index began in the late 1980s. We are currently sitting at just 3.9 months of supply," write the Morgan Stanley researchers.
But this time around it could be different: Continued pressure on affordability could lead to falling home prices, even if inventories remain tight. (Here's Moody's Analytics' outlook for the nation's 322 largest markets.)
"The fact that we expect home prices to start falling on an annual basis in March 2023 despite tight inventory shows how unprecedented this affordability situation is in the U.S. housing market," writes Morgan Stanley. . "However, while supply is not keeping house price growth at zero, we believe it is preventing the decline in house prices from becoming too large."
Bull case: House prices stop falling in 2023
From peak to trough, Morgan Stanley expects U.S. home prices to fall 10% through 2024. However, there is a "bullish" case where the company thinks home prices in the United States do not decline in 2023 and the decline from peak to trough is around 5%.
There are two key pillars in Morgan Stanley's "bullish" case: tighter-than-expected inventory levels and lower-than-expected mortgage rates.
"In a bullish case, the foreclosure effect is keeping stocks at the lows we've seen in the last year. At the same time, lower mortgage rates are prompting more buying demand than we've been expecting. we are currently waiting, as households view any rally as a potentially temporary reprieve and move to take advantage before the next move higher," write the Morgan Stanley researchers.
In 2023, Morgan Stanley expects 30-year fixed mortgage rates to average 6.2%. However, if the Fed succeeds in bringing inflation under control sooner than expected, easing financial conditions could push mortgage rates below 6%. Meanwhile, if the so-called foreclosure effect (i.e. homeowners unwilling to sell and forfeit their 2 or 3% mortgage rate) continues into 2023, it could make mortgage levels stocks tighter than Morgan Stanley currently expects.
bear case: House prices plummet by 20%
If a "deep" recession hits, Morgan Stanley predicts that U.S. home prices could plummet 20% from peak to trough, including up to an 8% drop in home prices just in 2023.
"A common scenario presented to us when discussing the downside case for house prices is a longer and deeper recession leading to a large increase in unemployment," write the Morgan Stanley researchers. "What we believe to be a more likely cause of a bearish home price case would be an intersection of weaker than expected demand with a larger than currently expected increase in inventory."
But even if this "bearish" scenario were to play out, Morgan Stanley doesn't believe it would be a full-fledged repeat of the 2008 crash.
"While this [our bear case] would naturally be negative for the housing market, we continue to believe that the health of credit standards should maintain a ceiling on the level to which genuine distressed transactions can climb. Additionally, a mortgage servicing industry that is much more practiced in providing borrowers with foreclosure alternatives (e.g., modifications) should keep more borrowers in their homes instead of forcing a liquidation event," the researchers write. of Morgan Stanley.
Want to stay up to date on housing correction? Follow me on Twitter at @NewsLambert.
Our new weekly newsletter Impact Report will examine how ESG news and trends are shaping the roles and responsibilities of today's leaders, and how they can better meet these challenges. Subscribe here.
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