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Indigenous, local, and traditional knowledge systems and practices, including indigenous peoples' holistic view of community and environment, are a major resource for adapting to climate change, but these have not been used consistently in existing adaptation efforts. Additionally, communities lack the resources to help them improve, implement and scale these efforts, and ensure that protecting nature is at the heart of the project outcomes.
The Climate Crowd Approach
Climate Crowd is a bottom-up community-driven initiative. Working with communities and local organizations in over 30 countries, we collect data on climate impacts to communities, analyze the data, present the data back to the communities, and work with them to develop, fund and implement on-the-ground solutions that help people and nature adapt to a changing climate.
We partner with in-country local organizations to collaborate with communities they have existing relationships with.
We provide training and guidance to partners on data collection, including the Climate Crowd survey, and guidance on interview techniques and sampling within the target site.
Partners conduct interviews with communities and submit reports on the website.
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As the majority of information collected through key informant interviews is qualitative data, we analyze the data to produce summary reports, by country or thematic area. We also work with local partners to present the data back to the communities, a crucial part of the Climate Crowd process.
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Based on the data collection and analysis, we work with communities to develop and implement on-the-ground projects which help people and nature adapt to a changing climate. Climate Crowd funds these pilot projects, with a view to replicating successful solutions and taking them to scale.
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NYT Columnist Wants Redemption For Dogs, Not Black Felons
Michael Arceneaux
Radio Talk Host, Larry Young began his radio career in 1998 on WOLB 1010 AM with The Larry Young Morning Show Monday thru Friday, 7am to 10am. The Larry Young Morning Show is rated the # 1 Black Talk Show in Maryland and also ranked by Talkers Magazine as one of the top 100 Talk Shows in the country 2007 # 99, and 2008 # 86,2009 #63, 2010 #63, 2011 #63 and 2012 #53,2013 #54, 2014 #52, 2015 #50, 2016 #47, 2017 #45, 2018 #45 and 2019 #41. The Larry Young Morning Show was also named "Best Radio Station" by Baltimore City Paper in 2007, 2008, 2009 and in 2010. He also has been awarded by the community with such awards as the 2007 Pinnacle Award given by American Development Consortium, 2009 Ed Bradley Award given by Bethel African Methodist Episcopal Church, 2011 Unsung Hero Award given by Grace Outreach Fundraising Committee, 2012 Whitney M.Young Jr. Award given by Greater Baltimore Urban League and recipient of TALKERS Magazine Humanitarian Award in June 2015.
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There are some White people who put the interests of animals above those of other human beings — specifically the darker ones. Normally, I'd try to exercise subtlety and restraint when articulating such a sentiment, but since New York Times columnist Juliet Macur (pictured) didn't mince words in her column "Before Signing a Strong Arm, Teams Should Heed Vick's Dark Past," why should I? I knew Macur's musings would appeal to me as much as the taste of deep fried elephant dung given the way she kicked it off: " Michael Vick, the quarterback known as much for his rap sheet as his athletic skill."
SEE ALSO: Obama Eyes Modest Momentum On Capitol Hill In 2014
Well, that certainly depends on what circles you're referring to. Perhaps it's Macur's circle of influence that is leading this narrative, even though it is highly debatable in everyone else's.
I do not fault her for writing from her background, but I do loathe how that background has seemed to frame her perspective.
In this hard-to-read diatribe, Macur sends off a warning to teams who may look to sign Vick should the Philadelphia Eagles let him go and allow him to be a starter (he lost his starter job to Nick Foles this season): "They should remember this: Vick was the mastermind behind his dogfighting operation. He bankrolled it, gave it a home base, encouraged it."
Macur then goes on to discuss some of the dogs who lost their lives due to Vick's dogfighting ring. You can understand her issue with Vick's treatment of dogs. After all, in her Twitter bio, Macur notes, "My writing partner is a Labrador retriever."
So she has a strong love of Lassie. So be it, but her bias clouds her judgment about a larger issue with respect to a felon rightly being given a chance to re-enter society.
Sure, Macur lists some of Vicks' acts of penance — including donating $200,000 to help renovate a football field in Philadelphia; working with the Humane Society; supporting a bill on Capitol Hill that would make it a felony to bring a child to a dogfight, a measure which would fight the very practice that caused him to go on to perpetuate the culture as an adult.
Still, Macur writes:
Teams evaluating Vick should think about those horrors before offering him a chance to wear their jersey. They should say, 'Can't we give our fans someone better to cheer for?' Fans should demand someone better.
Someone around Juliet Macur ought to demand she get a damn grip. Assuming she's never made a mistake in her life, Saint Juliet Macur is essentially arguing that there is no such thing as forgiveness or redemption. That once you commit a wrong, you must walk around with a Scarlet Letter. That there is no act or gesture that would warrant a second chance.
This is a dangerous message to profess in general, but again, even more poisonous when you consider who Michael Vick is outside of a football player: a Black ex-felon. If the Juliet Macurs of the world can't even give a famous Black football player another chance after paying his debt to society for committing an egregious act, imagine how they would treat their less successful brethren.
I imagine Macur was somewhat aware of the racial implications of her column, which is why she briefly included this portion in her piece:
Eagles wide receiver Riley Cooper made racist remarks about African Americans — on a team filled with African Americans — and still ended up starting in the playoffs, the recipient of roaring cheers.
Saints Coach Sean Payton was suspended last year for a bounty program in which players were paid to inflict serious injuries on their opponents, and still he was hailed for ushering the Saints to their first ever road playoff win.
Nice try, but no. The aforementioned dogs got a much more thoughtful and lengthier swan song, so spare me this cheap way of deflecting rightful criticism that you display more compassion for animals than Black human beings, Juliet Macur.
Felons — yes, especially the minority ones — have a hard time earning a second chance, but damn all of that because Juliet Macur loves the hell out of dogs. I understand her issue with what Michael Vick did, but the act is now discussed in past tense all the same. He paid his debt to society. He has repeatedly tried to make amends. He has also lent meaningful support to fighting the culture altogether.
What more do you want from this man, Juliet Macur?
Actually, who cares what else you want. Michael Vick paid his debt to society, made amends, and has returned to his life accordingly. If such an opportunity were extended to other former felons, we'd have a less-crowded prison system and an all-around better society.
But such realizations can only come from thinking about the collective — a trick Juliet Macur was unfortunately never taught.
Michael Arceneaux is from the land of Beyoncé, but now lives in the city of Master Splinters. Follow him at @youngsinick.
NYT Columnist Wants Redemption For Dogs, Not Black Felons was originally published on newsone.com
Juliet Macur Michael Vick original

redpajama_set_name: RedPajamaCommonCrawl


The roads to modernity is an intelligent history of the Enlightenments in Britain, France and America that masks a contemporary political manifesto. Gertrude Himmelfarb emphasises the importance of the British Enlightenment and the 'Britishness' of its virtues: decency, humanitarianism and sympathy. She praises the British 'age of benevolence' over the French 'age of reason' and sets the philosophes against Burke and Hume and the French Encyclopédie against the British Sunday School Movement and the sentimental novel. But her purpose is not purely historical and it is no accident the book comes vigorously endorsed by Gordon Brown. As a neoconservative political theorist, she is advocating a return to the paternalistic morality of the Enlightenment in Britain and providing an intellectual framework to endorse the Bush and Blair-Brown governments.
The majority of the book is given over to the British Enlightenment, which Himmelfarb sees as misrepresented and misunderstood, partly because the word 'Enlightenment' only entered the English language posthumously in 1910. She assigns its origins to the eve of the 18th century with Lord Shaftesbury's conservative and moralistic Inquiry Concerning Virtue or Merit. Shaftesbury credited his fellow creatures with an innate moral sense and with a 'social affection' for one another. Himmelfarb sees the laissez-faire economics of Adam Smith's The Wealth of Nations as compatible with Shaftesbury's social affection, emphasising Smith's concern for the poor and belief in natural equality. She rescues Edmund Burke from the 'counter-Enlightenment' and insists that his love of religion was integral to his love of liberty, stressing that French rational atheism did not migrate across the Channel.
She goes on to discuss the French and American Enlightenments, criticising the extremes and contradictions of the French and praising the Britishness of the Americans. She asserts that the French insistence on rationality masked a callous elitism and contempt for the masses, creating the conditions for the excesses of the French Revolution.
In previous books, she urged a return to Victorian values. Now she suggests a leap further back, commending the Bush administration for its enlightened moral and religious paternalism. In her view, British master builders Burke and Hume constructed a practical and virtuous road to modernity that we have sabotaged with our postmodern cynicism. America has taken up the tools we so carelessly discarded.
In his approving foreword to the book, Gordon Brown is more hopeful about the British, insisting that we still have 'social virtues'. Britain need only take the lead from the Enlightenment and from modern America to become again the morally upright society it deserves to be.
This fusion of historical analysis and political manifesto can make uncomfortable reading. Himmelfarb is open about her polemicism as a historian, but her political point of view is more insidious; she makes her purpose explicit too late. The book stands up better as a history of the Enlightenment than as a contemporary manifesto and, as such, it is an intelligent and thorough study. The prose is elegant and the arguments engaging and she weaves her way gracefully and effortlessly across centuries, disciplines and nations.
Even if you disagree with this book, you will have in Gertrude Himmelfarb a formidable debating partner. Whatever the shortcomings of the Bush and Blair-Brown administrations, it is reassuring to know that they have at their disposal so lucid a mind.


CHENNAI: Shriram Properties, part of the diversified conglomerate Shriram Group, would look at acquiring 'stressed assets' of other builders, as part of its growth plans, which include lining up of investments of about Rs 1,600 crore, a top official said here today.
The Bengaluru-based company would look at developing residential properties and also setting up commercial establishments particularly in Chennai and Bengaluru, Shriram Properties, Managing Director, M Murali said here.
"We will be investing close to Rs 1,000 crore. It will be in the residential segment. Another Rs 500-Rs 600 crore will be made in commercial properties", Murali told reporters.
Stating that there has been huge gap between demand and supply in real estate sector, he said, "land prices is expected not to rise in next two years".
The industry was also expected to become more brand conscious over the next two years as several players may exit the business due to lack of funds and branded realty operators would alone exist.
He said the company would acquire 'stressed assets' or take up those 'projects' that were left incomplete by realty players and added that currently it was holding active discussion to acquire "stressed assets".
Stating that the company has taken up several projects in Chennai, Bengaluru, Hyderabad, Kolkata, Coimbatore, Vishakapatnam, he said with the new projects the company would be focus more on Chennai and Bengaluru.
The company has already completed 18 million square foot projects and currently 20, million square foot projects were under various stages of construction, he said.
"We are looking at a very large land portfolio of 60 million in the next two years", he said.
The company's new residential projects would be in the Rs 35 lakh to Rs 80 lakh segment and the company would also set up a commercial mall in the famous Grand Southern Trunk road near Chennai, he said.


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HomeToyotaSupraNewsRenderings
What if Toyota had chosen a different partner for Supra than BMW?
What if Toyota had chosen a different partner for Supra than BMW? product 2019-06-01 09:00:00 https://uk.motor1.com/news/351097/toyota-partnered-automakers-supra/ Toyota Supra Renderings, budget direct
Perhaps we should be grateful that BMW's crosstown rival wasn't chosen to join Toyota on a Supra venture. The Mercedes-Benz front fascia and flashy headlights don't look bad, but it's not what we'd call a good look, either. Under the bonnet would almost certainly be the engine that powers all interesting Mercs these days – a 4.0-litre V8.
Truth be told, an Aston Martin makeover doesn't make the Supra look that much different. The arched bonnet from the Vantage is exaggerated here, but perhaps that's because extra space for a V8 or V12 is needed.
Speaking of V12, that's pretty much a requisite for this Toyota-Ferrari mashup. Sure, it could borrow the F8 Tributo's vicious V8, but if there's already room for an inline-six under the bonnet, an extra bank of cylinders shouldn't be a problem. It already has the look of an 812 Superfast – with a bit of badge-engineering you get the Toyota Suprafast. It's a no-brainer.
Had Toyota teamed up with its Japanese competitor, something quite interesting could've transpired. We're not sure this take on a Nissan Supra is really the answer; it combines GT-R styling with a short 370Z wheelbase to create some very awkward proportions. However, perhaps working together these automakers could give purists of both brands something they've wanted for a long time – a proper Japanese-sourced inline-six engine.
Not all partnerships are destined for greatness. If you ever wondered what a supermini Supra might be like, we give you the Peugeot 208 Supra and its very happy face. With a four-cylinder mill turning the front wheels, we suspect the driver isn't nearly as thrilled as the car.
One of the Supra's trademark features is its front fascia with three large intakes. Electric power doesn't need such things, so perhaps it's very good that Tesla wasn't on-board with Toyota for this joint venture. Honestly, this mashup actually looks quite good – it just doesn't look anything like a Supra.
Volvo's design language has evolved considerably over the last couple decades, though we suspect there's a bit of old-school brick in this Supra rendition. That could stem from the V60, of which we see some resemblance in the front fascia, but the overall effect is rather like trying to make a square peg fit into a round hole.
For those who think the Supra's exterior treatment is too tame, we give you the Corvette version. New and improved with more vents, wings, scoops, edgy lines, and an LS-based V8 under the bonnet, this rendering succeeds in looking nothing like a Corvette or a Supra. Perhaps, then, it's the best design of them all.
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By: Christopher Smith
These eight renderings show what could've been.
In case you haven't heard, Toyota partnered with BMW to revive the storied Supra sports cars. Oh, you have heard? Then you may not realise that the Supra shares much of its platform – including the boosted 3.0-litre inline-six engine under the bonnet – with the BMW Z4. You've heard that too? Yeah, it seems this partnership has become something of a controversy for Toyota, with Supra purists convinced it's just a lower-priced (and lower-powered) BMW wearing a Toyota badge.
That doesn't mean it isn't a blast to drive. Our recent experience with the Supra revealed a terrifically exciting machine, though even with a fully open mind to embrace the Toyota-ness of the moment, we always felt a definitive BMW connection. It made us wonder what the new Supra would've been like had Toyota turned to a different automaker on this partnership.
It made the folks at Budget Direct wonder as well, only they took it a step further with a series of renderings that infuse Toyota's design language with that of notable models from other automakers. If a BMW-based Supra upsets you, how about one with Ferrari or Mercedes DNA? Jump into the slideshow above for a flight-of-fancy tour of alternate-universe Supras, had Toyota looked elsewhere for assistance.
Super Supra:
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budget direct


Idea Generation: Tackle climate change!
Are you passionately juggling with green business ideas in a corner of your head? Are you busy building castles in the air on how to tackle climate change? Are you into innovation and technology is your thing?
Then this workshop is the place to be!
At "Idea Generation: Tackle climate change!" we'll support you to develop and refine your own idea. From a clean tech dream to an actual business!
You don't have an idea yet? Don´t you worry! You´ll be the perfect fit for somebody who has a great idea, but no great team yet.
And at 5 p.m.? Workshop´s over, you can take leftovers with you…and your newly created idea?
Don´t throw it away. (#zerowaste) Throw it in our mailbox: Apply for ClimateLaunchpad 2019.
This event is organized by students' innovation centre and TU the TOP alumni club. Kindly supported by WU Gründungszentrum.
You can easily reach us by public transport, by bike or by taking a lovely Saturday morning spring walk.
This event is an #ökoevent.


Pictured holding the MSC board were William Crooks, Dennis Crooks Fish Merchants who supply MSC certified fish, Adrian Fusco of Fusco Ltd and Aaron Simpson, manager at Fish Box, Robin Hood's Bay.
People making the long trek back up the hill at Robin Hood's Bay will be able to stop off for a sustainable fish and chip supper thanks to owners the Fusco's of Whitby.
The family this week celebrated the Marine Stewardship Council (MSC) certification of Fish Box in Robin Hood's Bay.
This is the fourth Fusco fish and chip shop which has MSC certification as well as its mobile fish and chip trailer.
For the Fusco family, this will mean that all their fish and chip outlets serve sustainable fish and chips certified by the MSC, so customers can be assured that they are choosing sustainable fish, no matter which outlet they choose.
Carol Fusco said: "As a business, we have been committed to buying sustainable MSC certified fish since 2013, when Quayside became the first shop in Yorkshire to become certified by the MSC.
"Since then, we have gained accreditation for our other shops and will continue to invest in MSC certified fish because we believe this is the only direction for our business.
George Clark from the MSC UK said: "We are delighted to see Fish Box RobinHoods Bay achieve MSC certification for the Fusco's fourth fish and chip shop.
"Their continuous commitment to sourcing traceably sustainable fish for their business is great news for the oceans.


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MR BAILEY "OPEN" OUT NOW!!!! AVAILABLE ON ITUNES AND ALL DIGITAL PLATFORMS NOW!! BUY IT, STREAM IT AND ENJOY IT.
Episode 2 of iyla's docuseries i am iyla | JOURNEY TO EMPIRE is out now. Link in bio for the full episode. . . . . . . . .
'Poetic Justice' For My Oldest Friends.
10 tracks. 2 808s. 1 beat.
Windex/DTG🔥🔥🔥 he is actually hard when he spits legit, think I'm playing..
Hi guys we missed out on Earth day, but we would like to take part even if it's a day later.
Join us tonight for a candlelight dinner!
Hi Friends, we missed out on earth day April 22nd, but we would still like to take part. Join us tonight for a candlelight dinner!
$5 coronas and 3 street tacos for $10.50!
#djakademiks #drizzydrake #champagnepapi #artist #ovo #ovoxo #album #rap #popculture #celebrity #fame #musicindustry #news #tmz #music #culture #lit #dope #balleralert #theshadesroom #traviscott #theweeknd #celebjunkie #latest #update #420girls .
Stay plugged 👉🏼@overstatetv 🎯for more 🔌🤳. TAG your friends to join the gang 🤟. .
Ich hab' den Plan, wie man Business macht.


Clipping is a handy way to collect and organize the most important slides from a presentation. 0printIf you are struggling to shake off extra pounds, you are required to obtain self-control as well as alterations in your way of life. Even if red meats are rich in protein as well as iron, they are also loaded with saturated fat that is why you need to stay away from consuming them, particularly if they are cooked in butter. Fish is considered as an excellent source of protein, but when it is prepared with bread and cooked deep fried or in butter, it turns out to be loaded with fat and you should stay away from consuming such.
The foods sold in fast food chains like French fries, milk shakes, pastries, onion rings and burger sandwiches are those that you should stay away from. Processed carbohydrates are loaded with sugar, calorie and fat but they do not contain fiber, which is essential in shaking off extra pounds.
Almost all beverages are loaded with sugar and calories that is why you need to stay away from them if you do not want that increase your belly fat. Even if dairy products are rich in calcium and protein, they are loaded with saturated fat and calories as well.
There are indeed a lot of things to include in what you should avoid when you eat to lose belly fat.
If you change all your bad eating habits, you workout frequently and still there is no weight loss felt then you should go to a doctor. Let's get started on how you can eat the foods you love whilst dropping body fat with ease. Once you've worked out the number of calories it takes to maintain your weight at complete rest, we need to use an activity factor.
I'll then subtract 20% each day so that I lose weight (you must eat less calories than it takes to maintain your current weight to burn fat).
An easy rule of thumb to go by to maintain great health is to consume one fruit and one fibrous vegetable for every 1000 calories you eat. We have to balance the need for food and that to lose weight for our body in order to succeed. However, it is necessary that if you want to eat to lose belly fat, you must have caloric inadequacy, which means that you should burn more calories than consuming them.
Aside from red meats, you should also stay away from consuming processed meats for the reason that they are loaded not only with saturated fat but cholesterol as well. It is not only fish that you should stay away from consuming when prepared in the early mentioned manner, all types of seafood or shellfish should also be avoided if cooked with bread and deep fried. These fast foods are loaded with empty calories as well as fat that can give you as much as 1000 extra calories. The kinds of bad carbohydrates that you should stay away from include baked goodies such as doughnuts, cakes, cookies, pies and muffins.
Aside from the fact that beverages contain lots of calories they also do not have nutritional value. This is why you need to stay away from consuming them if you want to lessen your belly fat. You don't have to stop eating your favorite foods right now or to never eat them again. If you find you cannot stop eating bread at all eat 1 or 2 slices of whole wheat bread per day.
Some weight loss pills can really screw up your metabolism and creating a fat future for you. It is likely that your metabolism is really slow and you need to speed it up if you want to lose weight. This will determine how much you burn on a typical day, taking factors like exercise and how engaged you are physically at work. Remember that there are no foods which cause weight loss, only a correctly set up total diet. Working out is one of the most efficient means if you want to lose belly fat, but make sure that you will do it together with staying away from some particular types of foods to achieve good results.
You must also keep away from consuming deep fried chicken, turkey and other forms of meat like full-fat beef hotdog because it contains approximately 150 calories alone, minus the bun, cheese, bacon and other toppings.
You must also keep away from consuming candies, chips and food products that are prepared by means of white flour because they do not contain fiber as well as essential nutrients.
I believe that all long term weight loss is possible only to the degree in which a person changes their eating habits.
All you have to do is make sure you eat only from time to time the foods you like that are unhealthy and fattening. For extra taste use spices and don't be afraid to experiment with different combinations.
For more information on your metabolism read What is the metabolism and how hard is to change it. But once I began to focus on my diet as a whole, not looking at foods in isolation, I made some remarkable results.
When in reality, you simply need to squeeze them in to your total calorie allowance for the day. When I'm not training clients or studying I love to write content for my readers to help with any and all fitness problems!
With these delicious warm protein shake recipes you'll be raring to go, even on the coldest of mornings. And the good news is that you don't really have to deprive yourself of the joy of eating. Invent for yourself tasty recipes based on vegetables, fish, white meat, virgin olive oil and spices.
15.07.2016 at 14:21:53 Dropped my blood sugar too your daily.
15.07.2016 at 23:30:25 Begin slowly, and slowly include extra meals that.


We have held that mere '[data-gathering] step[s] cannot make an otherwise nonstatutory claim statutory."' In re Grams, 888 F.2d 835, 840 (Fed. Cir. 1989) (quoting In re Meyer, 688 F.2d 789, 794 (CCPA 1982))).
Appellant did not challenge the Examiner's taking of Official Notice or otherwise persuade us or error in that finding. See In re Fox, 471 F.2d 1405, 1406-07 (CCPA 1973) (affirming rejection under 35 U.S.C. § 103 without citation of any prior art based on facts that were unchallenged by the appellant); see also In re Ahlert, 424 F.2d 1088, 1091 (CCPA 1970).


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Lovely stuff! Look forward to reading more Random Erskineville.


Remember this video that went viral just a few days ago? Cam girl gets bitten by a shark in the foot and pulled into the boat. Well, turns out... it was all one BIG HOAX. What?!
Apparently, the actress and her film crew wanted to FAKE A SHARK BITE in order to get the video to go viral online. This takes "doing it for the 'gram" to a whole new level.
They even sent text messages SHOWING where the shark was going to "bite" her and how it would look. It looks exactly like the video.
Guess she got her viral video.


text:
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text:
The 2018 iPad Pro has graphical performance comparable to the Xbox One S
It's an 8-core CPU/7-core GPU monster
By Cal Jeffrey on October 30, 2018, 12:09 32 comments
Bottom line: Apple's new iPad Pro is slimmer, more powerful, and has a bigger screen than last year's models. Cupertino claims that graphically, the iPad Pro is now just as capable as an Xbox One S.
Apple unveiled its 2018 iPad Pro at an event in Brooklyn, New York on Tuesday. The tablet has improved upon last year's model in several significant ways. The most noticeable change is the shape of the new iPad. Gone are the rounded edges.
The design is reminiscent of the old iPhone 5 — rounded corners, flat back, flat edges. The new form factor also trims one millimeter off the thickness, bring it down to 5.9mm, while retaining the same footprint.
Although it is the same length and width as its previous iteration, the 2018 iPad's screen is half an inch bigger at 11 inches. This is due to smaller bezels and the elimination of the Home button. There is also a larger 12.9-inch model, which has a much smaller footprint than last year's 12.9 thanks to the same reductions in the borders. However, the bezels are still big enough to house the camera and facial recognition sensors without needing a notch.
The new iPads will bring several iPhone X features to the platform including Face ID, Animoji, and Memoji. If you enjoyed the convenience of logging into things like your banking app with Touch ID, you will still be able to auto log, you'll just be using Face ID instead.
Under the hood, the 2018 iPad Pro sports a new 7nm A12X Bionic chip. It's a 10-billion transistor SoC with an 8-core CPU and 7-core GPU. The CPU is 35-percent faster than last year's model and 90-percent faster for multicore processing. Apple claims that with the 7-core GPU, graphical performance in the new iPad is on par with that of the Xbox One S. Even with the massive jump in processing power, the tablets still boast a 10-hour battery, just like last year's models.
Storage capacity has doubled as well. You'll be able to get up to 1TB if you want to pay the premium for it. They also swapped out the lightning port for USB-C. You can even charge your iPhone or other USB-C devices using your iPad Pro as a makeshift portable battery pack.
The new iPads will be complemented by the Apple Pencil and a new Smart Keyboard Folio.
The second generation Pencil pairs with the iPad and has wireless charging. It also magnetically clips to the side of the iPad Pro. The Keyboard Folio is a new accessory that adds keyboard functionality to the iPad Pro but also acts as a cover protecting the front and the back of the chassis.
The 11-inch iPad Pro will start at $799, while the 12.9-inch will run $999 and up depending on your configuration. Both models go on sale November 7 and you can pre-order one direct from Apple.
Google Pixel 3a is $120 off at just $279, latest iPad for $249, Surface Pro 6 with Type Cover for $750
Apple is said to be releasing a new 12.9-inch iPad and 16-inch MacBook Pro with mini LED in 2020
The Best Tablets: An Ever Evolving and Affordable Form of Computing
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The video of the DIY presentation should be live shortly. Mike and Mike have captioned the video themselves in order to demonstrate the DIY that they presented about.
Sean Zdenek's keynote video will not be available; however, we have linked to a related presentation he gave with 3 Play Media recently.
You will be able to view the material, or link to it, on the Monday presentation page.
Today we were able to post the first recording of a live presentation. Today's was Chanel Carlascio's "Captioning 101." You can find it on the Tuesday detailed schedule page or at YouTube. Coming soon are the Captioning Advocacy and DIY Captioning sessions. Thank you for your patience! We hope you enjoy the videos.
Great news, folks! Yesterday each live session had about 70-80 consistent attendees in the morning sessions and around 50 attendees in the afternoon session. In terms of Twitter activity, you can search for #Caption16. You can also check out the visualization created by @daniellynds! Looking forward to another exciting day today of caption-related content and work! Yes!
Just a quick note that registration for #Caption16, the first Caption Studies conference in North America, is closing Saturday, 7/30/16, at 11:59 pm PDT. If you want to participate or attend, please be sure to register now!


Debit cards are very convenient to have to use. However, the information contained on your card can be compromised if the retailers you make purchases from, or the retailers' processor, does not secure the data in a safe manner.
The first and most important way to protect yourself is to closely monitor your account by verifying your transactions online every few days with Anywhere Access at www.gotexar.com. If you are not set up for our online service, our member service can help set you up and show you how to access your account. It is very easy! If you don't have access to a computer, you need to verify your statements as soon as received.
Report any discrepancies immediately to TEXAR at 903-223-0000 or toll free 1-888-832-8937. You can also block a card online on our Anywhere Access website or on our Audio Response system at 903-832-2444 - 24 hours a day 7 days a week.
Another form of protection is NOT to use your debit card for Internet purchases. Credit cards or pre-paid cards are the better choice for these types of purchases, not a debit card that is tied directly to your account.
To further protect you, TEXAR has a fraud detection monitoring system in place to review transactions daily for any suspicious activity. If fraudulent activity is suspected, the system will attempt to contact you by phone to verify the transaction in question. If the attempt is unsuccessful, card usage is restricted until verification can be made.
Remember, if we contact you, we will never ask for your personal information such as Social Security number, account number, PIN#, password or CVV/CVC number (last 3 digits on back of card) over the phone or the Internet.
Select the card you need to block. If you are not sure which card was stolen, block them all.
In order to utilize this service, you will need to know your complete debit card number. You may locate your number from within Anywhere Access account history.
If you have lost or had your TEXAR Debit Card stolen, you need to block your card as soon as possible to prevent any potential fraud on your account. Follow the procedures listed below to block your card 24 hours a day, 7 days a week using our Audio Response system.
"For card services press 4"
"To deactivate or to report a lost or stolen card press 2"
"If you know the card number of the card you want to deactivate press 1, otherwise press 2"
If you do not know the card number and select option 2, you will need to know your account number.
To unblock your card, please contact the Credit Union at 903.223.0000.


text:
Rendezvous - Street Race Film
By RumPuncher, January 14, 2004 in Channel Zero
RumPuncher 34
hey speed freaks....
remember there was mention a while ago about that Street Racer
with a camera in Stolkholm? Well I've found the new shit right here!
actually it's old... but amazing!
C'Etait Un Rendezvous (1976)
Shrouded in myth since it was made, pirate videos of this legendary nine-minute film have been trading on the Internet for up to $50 each. Apparently the result of a bet, it features French director Claude Lelouch (A Man And A Woman) driving a growling Ferrari non-stop through Paris, ignoring lights, pedestrians and traffic, with a camera strapped to its bonnet. Lelouch is alleged to have been arrested when the film was first shown. Now the original negative has been tracked down and remastered, and it's a breathtaking ride. Enjoy, but please don't try this at home.
Hmmm.....I won the DVD of this movie - and I was totally unimpressed. Less than 9 minutes long? No cast? (Actually, there are a couple, but more on that later), no effects? No script? Come on, what were they trying to pull???!?!?!
And then I watched it.
Car lovers, you HAVE to see this movie. A break-neck drive through a 1976 Paris dawn in what must have been one of the fastest cars around at the time. All sorts of rumours surround this film - was the driver of the car a hired Formula 1 Driver? - having seen it, this would not surprise me.........was the director immediately arrested following it's first showing? (yes.. he was) Again, this would not surprise me.
No script, No effects, No editing - yep, it was all done in one take, and the DVD supposes a reason for this - and only the briefest appearance by "Actors" for the surprise ending.......and it is a surprise - not for nothing does this movie have this title...
Watch it if you get a chance, but not before securely fastening your seatbelt!!!!!!!!!! The kind of movie that Cine2000 and IMax were invented for.....
so to recap....
take one of these (Ferrari 275 GTB)
http://www.barchetta.cc/All.Ferraris/images/0319/275-gtbc-074-7.jpg'>
and put an F1 driver in it and let him loose in the streets of paris!
there's a good chance it's out there on kazaa or something... so go looking!
oh dear god...the 275 GTB is one of my favorite ferraris.
email headed your way kilo.
That movie Torque looks waaaay better......
Guest imported_Tesseract
HOT SHIT!
wheres johnny?
that car deserves a few more spots in this thread.
http://sport.auto.free.fr/photoautre/ferrari/275/1965_ferrari_275_gtb_05_m.jpg'>
http://www.bobileff.com/graphics/ferrari_275gtb4_f1.jpg'>
http://www.bobileff.com/graphics/ferrari_275gtb4_e.jpg'>
Weapon X 202
This sounds really good. Where'd you get it/to see it? It's just called Rendesvouz? I'm gonna have to search for this somewhere.
agreed, but i think i miura s would need some
is that the one where at the end the guy gets out to meet a girl?
Originally posted by caL
it's called C'etait un rendezvous and was directed by Claude Lelouch.
good luck finding it. I know a DVD exisits because I borrowed it from a co-worker.
oooooooooooh yea i saw that, i also saw a swedish remake i guess you can call it, it was in.. guess where? sweden. it was a porsche this time though
AevOne718 0
Cars are stupid. Where the hell is the super speed bike. Let's see some fucking hardcore Huffy action. "ding ding" Bitch, get out da way.


exploration of sensory restriction as a therapeutic modality in the treatment of psychological disorders began, with the study of its effect on various types of mental illness among people inpatient in psychiatric hospitals. Research into the use of such an environment as a therapeutic intervention has evolved considerably in the intervening forty years, and has focused primarily on its use in the treatment of addictive disorders. This paper reviews the research bases and effectiveness of Restricted Environmental Stimulation Therapy (REST). REST is a psychotherapeutic practice that places the client in an environment with a drastically reduced level of external stimulation. Research evidence indicates that REST consistently has beneficial effects on medical, psychological, and behavioral health outcomes, particularly when used in conjunction with other therapies.
For thirty years research has been conducted on the use of "sensory restriction" as a smoking cessation intervention. About twenty research studies have been conducted. The findings have been consistent: when used by itself, in studies with follow-up periods ranging from 12 months to 5 years, 25% of REST subjects achieved long term abstinence . When REST was combined with other effective smoking cessation treatments (e.g. behavior modification , hypnotherapy ) in studies with follow-up periods ranging from 18 months to 5 years, 50% achieved long term abstinence. In a few clinical studies, one to two years in duration, REST has been combined with weekly support groups. In those instances 75-80% have maintained abstinence for the length of the study . Success rates for REST as an adjunct or complementary therapy are dramatically better than most other available treatments. For example, at the end of one year the success rate of the nicotine patch alone is 5% and combined with behavior modification 20%. Studies of the use of anti-depressants such as Zyban/Wellbutrin for smoking cessation, which show a 40-50% success rate, have not included follow-up data longer than one year and are contra-indicated for a large segment of the cross-addicted population, specifically those with eating disorders. In addition to the non-invasive and brief nature of the REST treatment, two factors distinguish it from others with regard to smoking cessation: its notably low relapse rate and the remarkable characteristic that it lifts physical craving for nicotine, thereby removing the aversive factor of physical withdrawal.
Additional studies have shown REST to be effective in treating various eating disorders, in decreasing heavy drinking, and in treating a variety of other behavioral and mental health disorders. In three studies of REST as a treatment for obesity, REST was followed by slow continuous weight loss over the 6 month follow up period . Another study examined REST as a treatment for bulimia , and have found the success rate equivalent to that with smoking cessation 50%. REST has been found effective in decreasing the alcohol consumption of heavy drinkers, in some cases resulting in total cessation. Heavy social drinkers treated with 2 hours of REST and anti-alcohol educational messages during the treatment, reduced their alcohol consumption 56% in the first two weeks after the treatment. That reduction was maintained at 3 and 6 month follow-ups . A Washington State University study (1990) found that, for heavy drinkers, after exposure to one 12 hour or 24 hour REST session, the average daily onsumption of alcohol continued to drop over 6 months of follow-up. The 24-hour group's average consumption before REST was 42.7 ounces per day, immediately post REST was 23.3 per day, 16.0 per day at 3 months and 12.7 at 6 months.
A University of Arizona study examined chamber REST as a complementary relapse prevention technique with substance abusers enrolled in traditional outpatient substance abuse treatment programs. At the end of 4 years of follow-up 43% remain continuously sober and drug free. None of the control group did so for eight months of follow-up .
Addiction in its various manifestations, and smoking cessation in particular, have been the focus of the largest body of chamber REST research; about three-fourths of all subjects were exposed to REST as treatment for an addiction/"behavioral disorder". In addition, however, a meaningful body of research has been conducted, over several decades, on the effect of chamber REST in treating a variety of more traditional psychiatric and psychological disorders (e.g., phobias, obsessive compulsive behaviors, anxiety, depression, autism and schizophrenia), as well as chronic pain, stuttering and hypertension. (references available) The "side effects" of REST treatment are often even more dramatic than its effectiveness in achieving explicit behavioral goals. In a group of patients undergoing REST as part of a smoking cessation program, several of the participants reported that their time in the chamber was used to think more deeply than usual about other life problems, and that solutions found as a result of this experience were applied successfully afterward. The list of benefits included an increase in exercise and/or a decrease in caffeine or "fattening food" consumption, and a solution of interpersonal problems, with family members (constant arguments, withdrawal, perceived rejection) and at work (insufficient recognition, failure to assert oneself).
A British psychiatrist published a case of unexplained muscular tension, hypertension, neck pain, and generalized anxiety which was positively impacted by a 24-hour chamber REST session. Not only did the patient achieve normal blood pressure and a relief from the somatic symptoms that made medication no longer necessary, he also reported a significant change in his outlook on life. The history of REST research seems to have revealed what traditional cultures knew for thousands of years that solitude and sensory reduction facilitate healing of many disorders. Because REST requires a minimal investment of time, has a paucity of contra-indications, augments the effectiveness of existing treatments and potentiates the effectiveness of other therapeutic interventions, we owe it to those we serve to utilize it as a tool.


The Dutch economy grew by 0.6% in the first quarter of 2015 compared to the preceding quarter, when the economy grew by 0.9%. Although the weak growth in GDP in the second quarter was most likely due to a decline in gas production, we expect the Dutch economy to grow this year and next by 2%. A particularly positive development for the housing market is the fact that employment is picking up and purchasing power is rising.
We expect 2015 and 2016 to see further growth in the owner-occupied housing market. Stimulating factors, such as higher economic growth, high levels of consumer confidence, low mortgage interest rates and the substantial number of new homes sold are expected to have a greater effect than the restricting factors, such as the residual debt problem and credit-restricting measures. We anticipate a rise in the number of sales of existing homes from 153,000 in 2014 to 170,000-185,000 in 2015. For 2016 we expect the housing market to maintain this level, but anticipate little or no growth throughout the year. Approximately 170,000 to 190,000 transactions are therefore to be expected. Rising demand for owner-occupied homes is putting a squeeze on the number of homes on the market and causing the average house price index to rise, which is expected to be between 2 and 3½% in 2015 and between 2½ and 4½% in 2016.
Although there are significant regional differences in the Netherlands, the housing market is growing in all provinces, as reflected in the rising number of transactions and house prices in each province on an annual basis. Prices are rising faster, though, in the major cities compared to more rural areas.
During the first quarter of 2015 the total mortgage debt rose by EUR 1.3 billion. We expect this total mortgage debt to continue to rise this year and next, partly as a result of the expected rise in the number of new mortgage approvals. We do expect, though, that households will make extra repayments on their mortgages while interest rates on savings are low. Although there will be a slight upward pressure caused by rises in capital market interest rates, we do expect mortgage rates to remain low in 2015 and 2016.
Dutch Gross Domestic Product (GDP) rose during the first quarter of 2015 by 0.6% compared to the previous quarter, when the economy grew by 0.9%. We expect the Dutch economy to grow this year and next by 2% (Table 1). The recovery on the housing market, growth in employment and rising levels of purchasing power are fuelling the recovery of domestic consumer spending. Significantly lower gas production has restricted growth in GDP this year, just as in 2014, and therefore masks the actual strength of the economic recovery.
Export volumes rose in the first quarter of this year by 1.1% compared to the preceding quarter. We expect exports in the coming quarters to continue to make a positive contribution to the growth of GDP. The weak euro against the US dollar and the British pound is also boosting exports. Growth in the rest of the Eurozone is also expected to continue, benefiting Dutch exporting firms. However, these favourable forecasts are being tempered by some potential risks on the horizon to do with geopolitical developments, particularly the situation surrounding Greece. An escalation could potentially affect confidence, and with it have adverse consequences on production and exports in the Netherlands.
Last year, private household consumption contributed hardly at all to economic growth. We do, however, expect to see a clear growth in consumption this year and next. Increases in real wages and rising employment are the main factors generating higher growth in consumption this year. Trends in consumer confidence have also been positive for some time now. Although confidence in the general economic situation did fall slightly in July due to the situation in Greece, the view of consumers of their own financial situation and willingness to buy did improve. In addition, the attitude of the Dutch consumer towards making major purchases has gradually improved over the past two years (Figure 1). For 2016 we anticipate lower growth in real wages as inflation rises again. Even so, we expect further growth in private consumption, as households relax their focus on saving and employment is expected to rise further.
The fact that the desire to save is expected to stabilize is partly due to the fall in the number of households in negative equity, thanks to earlier debt repayments and rises in house prices. In addition, the higher number of house sales has had a positive effect on the consumption of household durables, such as furnishings and fittings and electrical appliances. It is clear from the relationship between activity on the housing market and the consumption of durables in the past that a rise in the number of house transactions by 10% in a particular quarter, with a slowdown in a number of quarters, leads to a rise in this consumption of durables by 0.8% (Giesbergen, 2015a). Although we did observe a negative spiral in the crisis years between the developments on the housing market and the economy, since last year these have actually been having a positive effect again on each other.
Since the second half of 2014, unemployment has fallen only slightly (Figure 2). Although employment has indeed grown, we are not seeing equivalent falls in unemployment levels, one reason being an equally large rise in the number of people seeking work. The new Work and Security Act (Wet Werk en Zekerheid) has given rise to various changes to employment termination law with effect from 1 July (see also: Smid, 2014). No anticipatory effects had been evident up to June as regards the number of dismissal requests recorded by the Employee Insurance Agency (UWV) and the subdistrict courts. There was, however, a sharp rise in June itself. This peak can therefore probably be attributed to the effect of the legislative changes and may temporarily disrupt the anticipated fall in unemployment. On balance, we are assuming for this year and next a modest fall in unemployment. Labour market indicators, such as the rise in the number of vacancies and hours worked through temporary employment agencies support this expectation. The number of vacancies rose in the first quarter of the year, for the seventh quarter in a row.
During the second quarter of 2015, 40,722 existing owner-occupied homes changed ownership. Seasonally adjusted, this is a rise of around 10% compared to the previous quarter. Following the end-of-year rally caused by the temporary relaxation of the gift tax exemption, the number of transactions fell in the first quarter of this year, but figures for the second quarter show that the upward trend in the housing market is holding firm (Figure 3).
With reduced availability on the market, low mortgage rates and a rise in incomes, house prices rose in the second quarter by 1% compared to the first quarter (Figure 3). The increase in the number of transactions and house price rises were evident in every province in the Netherlands. Following the catch-up growth of last year and the increase achieved during the first half of this year, the Dutch housing market is expected to continue to grow through the remainder of 2015 and into 2016. Factors pointing to further growth are high levels of confidence, low mortgage rates and the general economic growth. The residual debt problem and the tightening up of credit standards will limit this growth, but we expect these factors to have less of an effect.
The Dutch housing market performed strongly during the first half of the year. 75,429 existing owner-occupied homes changed ownership, an increase of almost 20% compared to the same period in 2014. The total number of transactions during the past four quarters reached 166,000 (Figure 4), a considerable improvement on the lowest point in 2013 (104,000) but still more than 30,000 transactions fewer than the average during the period from 2000 to 2008.
Although the second half of 2015 has yet to play out, we expect the market for owner-occupied homes to move on strongly. Current figures from the Dutch Association of Real Estate Brokers (NVM) point to a further growth in the number of transactions during the third quarter of this year . Purchase contracts with NVM estate brokers are registered two months earlier on average than the actual transfer at the Land Registry. This number of purchase contracts rose in the second quarter by almost 15% compared to the first quarter (adjusted for seasonal effects), the best quarter recorded by the NVM since 2007 (Figure 5). The number of signed purchase contracts was even higher than in the strong fourth quarter of last year, which had all the hallmarks of an end-of-year rally, partly due to the temporary relaxation of the gift tax exemption.
As the number of sales rises, so does the supply of owner-occupied homes change. If all other factors remain constant, a rise in the number of transactions leads to a fall in supply. The number of houses for sale fell only very slightly in 2014 despite a sharp rise in sales, due in part to a relatively large number of new homes coming on to the market. At the start of this year, the number of houses on the market fell substantially by more than 25,000. During the second quarter this supply fell by around 5,000 homes (Figure 6). Even so, roughly the same number of owner-occupied homes are for sale as in 2010.
The fall in supply and rise in number of sales is tipping the market for owner-occupied homes further in favour of sellers. The NVM shortage indicator divides the total number of houses for sale by the number of transactions. This indicator fell during the second quarter of this year to a seasonally adjusted value of 11.9, meaning that there are still more homes available on the market than before the crisis, when the value of the indicator averaged between 6 and 7. There is still plenty available, however, in the market for detached houses (Figure 7).
Reduced supply on the market means a strengthening of vendors' negotiating position and rising house prices (Figure 8). The Existing Homes Price Index (Prijsindex Bestaande Koopwoningen - PBK) of Statistics Netherlands/the Land Registry rose in the second quarter of 2015 by 1% compared to the first quarter (seasonally adjusted). Compared to the second quarter of 2014, the rise was 2.5% (Figure 9). Compared to its low point in June 2013, the price index in June this year is 5% higher. This means that owner-occupied homes in the Netherlands have risen in value by a little over EUR 11,000 during this period.
Despite the rising prices, nominal house prices are still 17.6% lower than at their peak in 2008. In real terms (adjusted to take account of the rise in general price levels – inflation), house prices have risen by only 2.1% since the summer of 2013 and the loss compared to the crisis is no less than 26%. Current house price levels are, adjusted for inflation, the same as the level of 1999 Figure 10).
As far as the increase in sales is concerned, there are differences between house types. During the crisis, owner-occupied homes for starters were more affordable thanks to falling prices and mortgage interest rates. On the other hand, quite a number of those moving up the property ladder were having to cope with a mortgage debt higher than the value of their house (negative equity), which made it more difficult for them to move. The recovery that has been underway since mid-2013 has consequently been in the cheaper segment. As the market continues to recover, we are seeing the more luxury segment also benefiting from this growth. The number of transactions for detached houses rose more strongly year on year than for cheaper house types. Detached and semi-detached houses have therefore regained market share during the past quarter (Table 2). As far as the price recovery is concerned, we are seeing that houses generally purchased by first-time buyers have risen faster in price, but the more expensive house types have also posted price rises during the second quarter compared to the same quarter last year (Table 2).
The outlook for the Dutch housing market is positive. First and foremost, the economic context is very important. The Dutch economy is expected to grow this year and next by around 2% (see Chapter 1). What is especially important for the housing market is that employment continues to improve and purchasing power rises. The growth in employment will have a positive effect above all on the number of transactions, while rising incomes will generate upward pressure on house prices.
Secondly, homes are particularly affordable at present. House prices have only risen slightly from their low point in 2013, while average mortgage rates are roughly one percentage point lower (see Chapter 3). Calcasa (2015) argues that this was one reason why the affordability of owner-occupied homes improved further during the first quarter of 2015. Buyers spent an average of 17% of their net monthly income on net housing costs. Despite the price rises during recent quarters, this is less than in the third quarter of 2013 (18%), when house prices had just reached their lowest point. Since the measurement of this indicator was introduced in 1995, the affordability of owner-occupied homes has never been as good as it is now (Calcasa, 2015). We expect affordability to remain favourable throughout this year and next, since we anticipate only limited house price rises, household incomes are rising and interest rates are likely to remain relatively low (see Chapter 3). Disposable income and interest rates are extremely important for house price trends, which we illustrate in two publications on a recently estimated house price model: Huizenprijzen vooral bepaald door inkomen en rente and Inkomen, rente en recente prijsstijgingen wijzen op een verdere toename van huizenprijzen.
In addition, confidence in the housing market remains high. This confidence is measured using the Eigen Huis Market Indicator, published by the Homeowners' Association (Vereniging Eigen Huis), and in June this year was at a value of 104; five points higher than the highest point measured before the crisis. This would indicate a further rise in the number of transactions, although we expect that the rise in the number of transactions will not be as strong as Figure 11 suggests.
The rise in sales of new homes is also helping to improve throughflow in the market for existing owner-occupied homes (Dam, 2010). During the first quarter of 2015, new homes  experienced the best first quarter since 2008 with 7,500 sales (Figure 12). Planning application approvals are also clearly on the up again (Figure 13). During the first five months of this year, more than twice the number of planning applications were approved than last year. We therefore expect the market for new homes to experience substantial growth this year .
Finally, more and more households are slowly but surely moving out of negative equity as house prices rise and households repay their mortgages (Van Dalen and De Vries, 2015). More than a quarter of this group are looking to move house within two years. We estimate that around 140,000 households will move out of negative equity this year, and roughly the same number in 2016 assuming an average price rise of slightly over 2%. If prices rise faster or slower, naturally a corresponding larger or smaller number of households will do so. However, Figure 14 does show that negative equity remains a major factor and is putting the brakes on a strong increase of sales and house prices: roughly one in four households with a mortgage is in negative equity.
The ongoing tightening up of the credit standards is putting a brake on price rises. We will explain these measures further in paragraph 3.2. In anticipating price movements for this year and next, the tightening up of the Nibud standards is particularly important. These standards were tightened up considerably in July of this year, partly due to changes in the calculation method. For this year we expect the tighter standards to have a negative effect on house prices. For next year, the CPB Netherlands Bureau for Economic Policy Analysis forecasts a slight rise in purchasing power for those in work of 0.3% (CPB, 2015). In addition, inflation was lower than expected at the start of the year, which also had a positive effect on trends in purchasing power. If the government still decides at the State Opening of Parliament (Prinsjesdag) to ease the tax and premium burden for 2016, this could also mean that the Nibud standards will be slightly higher next year (see also our discussion of the scope for easing the tax and premium burden). On balance, all other factors remaining constant, the financing standards for this year will have a clear negative effect on prices. For 2016 the future standards may well have a limited but positive effect.
To conclude, we expect that both the number of sales and the house prices in the Netherlands will rise this year and next. As far as the number of transactions is concerned, we expect between 170,000 and 185,000 sales for this year, following on from 2014 when 153 thousand homes changed ownership (Figure 15). For 2015 the expected rise will be from 11 tot 21%, following the sharp catch-up growth of almost 40% in 2014. Considerable uncertainties are developments in the situation concerning Greece and Russia/Ukraine (see our Economic Quarterly), which may negatively affect economic growth in the Netherlands. But it is quite possible that the economy will grow faster than we expect at present, for example if the government really does decide to ease the tax and premium burden. We expect that the housing market can maintain transaction levels of 2015 into 2016, but during that year we expect little or no growth. In the positive scenario, with a strong growth in the number of transactions in 2015, we even anticipate that the housing market may fall back slightly in 2016 as the very low interest rates this year may cause purchases to be postponed. In total, we expect between 170,000 and 190,000 sales in 2016.
The higher number of transactions results in less supply on the market, which in turn leads to an increase in the average house price index. Major uncertainties for the second half of 2015 and 2016 are further trends in incomes and mortgage rates. If incomes rise faster than expected, house prices will also rise faster. But if the average mortgage rate rises unexpectedly sharply without the growth in household incomes rising too, this will have a negative effect on the growth in house prices (see Economic Report on our price model). On balance we expect an average rise in the house price index of 2 to 3½% in 2015 and an increase of 2½ to 4½% in 2016 (Figure 16).
During the second quarter of 2015 the number of sales compared to the second quarter of 2014 rose in all provinces, from 11% in Zeeland to 28% in Drenthe. The rise in the number of transactions shows that the recovery on the housing market is being felt throughout the Netherlands. For a detailed analysis and explanation, please refer to our special: Recovery on the regional housing market .
Table 3 shows that in the period from 2013-2015  virtually every province experienced trends that were strongly related to the national average. Only Zeeland deviated significantly from this growth during some quarters. Since mid-2013, provinces such as Noord-Holland and Utrecht have undergone stronger growth, but even in peripheral provinces such as Drenthe, Groningen and Limburg the recovery has firmly taken hold.
The rise in the number of sales has caused reduced supply on the market in every province. However, we do see clear differences in levels: buyers in the Randstad have less choice than in the more peripheral regions. Trends in Zeeland are also clearly different to the rest of the country (Figure 17). But the effect of the recovery on the national housing market is evident in all provinces: there is less supply on the market throughout the country (Figure 17). Sales have risen in all provinces, and everywhere the supply is lower than during the past two years.
In line with reduced supply on the market, house prices rose during the second quarter of this year in all provinces. These rises varied widely, though, from 0.7% in Zeeland to 5.4% in Noord-Holland. Table 4 shows in greater detail that there is a clear association between the house price trends per province and the national average. In 2013 all the provinces experienced sharp price falls and a recovery took hold in all provinces in 2014-2015 (in the form of slower falls or price rises). Once again, Zeeland is the only province that deviates from this. Noord-Holland was the first province to see house price rises in excess of 2%, and several other provinces have gradually followed this trend.
Although we are seeing a recovery on the housing market in all provinces, it is the trends in the major cities that stand out. Figure 18 shows that prices in the major cities – particularly Amsterdam and Utrecht – have risen faster than the national average. The high demand for owner-occupied homes in the city translates into upward pressure on prices. During the second quarter of this year, house prices in the major cities rose faster year on year than the national average (2.5%): Amsterdam +8.1%, Utrecht +4.4%, Rotterdam +5.3% and The Hague +3.3%. If we look at trends across the quarters, we see price rises in Amsterdam and Utrecht recently levelling off, while Rotterdam and The Hague have in fact seen stronger price rises on a quarterly basis (Table 5).
A word commonly seen recently in the media is 'overheating' when referring to the major cities. This would appear to be prompted particularly by the sharp price rises and the extent to which offers are made again above the asking price. Although the owner-occupied market in the large cities compared to the pre-crisis levels is still less tight, the scarcity-indicator of the NVM in Amsterdam is already close to a comparable scarcity as in 2007 (Figure 19).
If we look at price levels in Amsterdam, Rotterdam, The Hague and Utrecht, these are still 6.2, 9.4, 14.8 and 10.4% lower respectively than at their peak before the crisis. The nominal disposable household income remained during that period approximately equal, and given the significantly lower interest rates, the current affordability is still much better than it was at that time. Thanks to the strong rise in demand and limited options to increase the housing supply in the cities quickly, affordability is soon reduced and a shortage in supply develops more quickly than in rural areas. The fact that owner-occupied homes in popular residential areas become less affordable for an average household is, incidentally, a normal manifestation of scarcity. It is therefore to be expected that reduced affordability in the cities will eventually cause a shift in demand from the cities to other areas in the country.
Total mortgage debt in the first quarter of 2015 rose by EUR 1.3 billion compared to the previous quarter, and we expect this total mortgage debt to rise further this year and next, as a result of the expected increase in the number of house sales. We do expect, though, that just as last year households will make extra repayments on their mortgages as interest rates on savings are low. Although slight upward pressure will be exerted by the rise in the capital market rates, we expect mortgage rates to remain low in 2015 and 2016.
The total mortgage debt rose in the first quarter of 2015 by EUR 1.3 billion to reach more than EUR 635 billion (Figure 20 ). The value of new mortgage approvals was therefore greater than the repayments for the second quarter in a row. Figures on the total mortgage debt in the second quarter of 2015 are not yet available, but based on the monthly figures available for mortgage lending by the banks and the increase in new mortgage approvals (see next paragraph) we expect the total mortgage debt to have risen further in the second quarter compared to the first quarter.
During the second quarter of 2015, banks and other mortgage lenders lent a total of EUR 11.1 billion in new home mortgages (Figure 21), an increase of 13.6% compared to the previous quarter (seasonally adjusted). A number of favourable financing conditions expired on 1 July 2015 (paragraph 3.2), which households may well have been anticipating in the second quarter. During the first quarter of 2015 the seasonally adjusted number of new mortgages fell by 3.1%, following a quarter in which this number rose by 13.2%. This decline in the first quarter of this year was due to the end-of-year rally in the last quarter of 2014.
Compared to the first quarter, we also saw a rise in the number of refinancing or extra borrowing (Figure 21). Here too this may be an anticipatory effect as households wanting to take advantage of the historically low mortgage rates choose to remortgage or borrow extra on their home.
Many households made extra repayments on their mortgage loans in 2014, largely prompted by the low interest rates on savings and the temporary relaxation of the temporary exemption of the limit for tax-free gifts (from October 2013 to December 2014). Negative equity was also a reason for many households to make extra repayments, in order to avoid or reduce any residual debt on a future move. We expect the extra repayments on mortgages will remain relatively high this year too. Savings interest rates are very low, and so it is a more attractive option for many households to pay off their mortgages, rather than adding to their savings. And although the number of households in negative equity is falling, this group is still large. On the other hand, the amount of the exemption from gift tax was halved from 1 January 2015  so that the peak in extra mortgage repayments seen in 2014 has probably passed.
For 2015 as a whole, we expect a further rise in the number of house sales (see Chapter 2). As a result, the number of new mortgage approvals will also rise. We expect the effect of this will be greater than the total repayments on mortgage loans, which is likely to cause a rise in the total mortgage debt in 2015.
The year 2015 has seen a number of changes in the financing conditions for new mortgage approvals. The loan-to-value (LTV), the Nibud standards, the maximum mortgage interest relief rate and the National Mortgage Guarantee threshold are being adjusted. The impact of these changes on the housing market is described in Chapter 2.
Since 2012 the maximum mortgage loan that can be borrowed compared to the value of the house (loan-to-value, or LTV) has been reduced by 1 percentage point each year and will reach 100% in 2018. The maximum LTV in 2015 is 103%. In May this year the Financial Stability Committee (FSC) advised reducing the maximum LTV further to 90%. The current government however would appear not to wish to follow this advice at present.
Furthermore, the financing burden percentages, i.e. the maximum percentage of the income that households may spend on gross mortgage payments (the 'Nibud standards'), were tightened up further on both 1 January and 1 July of this year. In addition, the maximum tax rate against which a homeowner may claim mortgage interest relief has been further reduced. Since 2013 this rate has been reduced by 0.5 percentage points each year, and will continue so until it reaches 38% in 2041. For 2015 the maximum rate is 51%. And finally, the maximum amount for buying a house with a National Mortgage Guarantee (NHG) was reduced to EUR 245,000 with effect from 1 July. This amount has been reduced since July 2012 and from 2017 onwards will follow the average house price.
After reaching a historic low in the fourth quarter of 2015, mortgage interest rates continued to fall further in the second quarter (Figure 22 ). In June 2015 the average rate for new mortgages was 2.7% for a fixed-interest period of one to five years, 2.9% for a fixed-rate period of six to ten years, and 3.3% for a fixed-interest period of more than ten years (DNB).
Despite the recent fall, swap rates for 5 and 10 years are significantly higher at present than at the start of May (Figure 23). This rapid rise, however, is not reflected in the trends for long-term mortgage rates, as these fell further in both May and June. The 10-year swap interest rate is expected to rise again over time to around 1.2% at the end of the year, and to 1.5% over the coming twelve months. The downward pressure on capital market interest rates caused by the ECB's quantitative easing programme is expected to be more than compensated by an improving economic climate in the Eurozone and a gradual rise in inflation. Higher interest rates in the USA too are expected to contribute to these, as yet still modest, rises in long-term interest rates in the Eurozone.
Short-term swap interest rates also jumped in May, but have fallen back again in recent weeks due to further falls in the three-month Euribor. We expect that money market rates may even fall further, partly as a result of growing excess liquidity on the money markets. All this is happening against the backdrop of our expectation that the ECB will probably not raise its most important interest rates for the coming two years.
The market for residential mortgage-backed securities (RMBS) and covered bonds by banks and insurers shows that, on balance, the spreads in the past few months have risen slightly. These spreads can be seen as an indicator for the risk premium that banks have to pay if they attract capital market finance to provide mortgages.
Although there will be slight upward pressure as capital market rates rise, we expect mortgage interest rates to remain relatively low in 2015 and 2016.
 The NVM covers around 70-75% of the total market for existing owner-occupied homes.
 The portion of the net monthly income households use for net housing costs at the moment of buying a house.
 Figures based on the New Housing Monitor (Monitor Nieuwe Woningen - MNW) which covers 75-80% of new owner-occupied homes.
 For more information and forecasts for new housing construction, see the Rabobank Construction Update, which is expected to be published in August this year.
 See here our English summary.
 For practical reasons the table has been kept small. The same pattern can be seen if we look back over a longer period.
 Parents may currently make a one-off tax-free gift of no more than EUR 52,000 to each of their children aged between eighteen and forty years, if this sum is used to purchase a house, repay a mortgage debt or fund an expensive course of study. This sum had been temporarily raised to EUR 100,000 from October 2013 to 1 January of this year, and had fewer conditions. For example, a parent-child relationship between the giver and the recipient was not required.
 The tightening up of standards with effect from 1 July 2015 had an effect on mortgage rates below 3.5%. Below this percentage, lower financing burden percentages are calculated from that date.
 DNB introduced a change in the method in December 2014. As a result, both the percentages from before and after the change are shown for December 2014.
Boumeester, H. and C. Lamain (2014). Regionale verschillen in de Eigen Huis Marktindicator.
Calcasa (2015). The WOX quarterly Q1 2015.
CPB (2015). Centraal Economisch Plan.
Dalen, P. van and P. de Vries (2014a). Stricter Nibud standards will limit price recovery on the Dutch housing market in 2015.
Dalen, P. van and P. de Vries (2014b). Afloop verruiming schenkingsvrijstelling heeft beperkt negatief effect in 2015.
Dalen, P. van and P. de Vries (2014c). Gevolgen veranderingen NHG in kaart.
Dalen, P. van (2015). Eindejaarsrally Nederlandse woningmarkt sterker dan verwacht.
Giesbergen, B. (2015a). Woningmarkt trekt consumptie mee omhoog.
Giesbergen, B. (2015b). Europese regels bieden Nederland beperkte ruimte voor lastenverlichting.
NVM (2015). Woningmarktcijfers: 2e kwartaal 2015.
Smid, T. (2014). Structurele hervormingen op de Nederlandse arbeidsmarkt.
The Dutch Housing Market Quarterly is a publication of Economic Research (ER) of Rabobank. The view presented in this publication has been based on data from sources we consider to be reliable. Among others, these include Macrobond, Land Registry, NVM, DNB, CPB and Statistics Netherlands.
The date of completion is 31 July 2015.
No rights may be derived from the information provided. Past results provide no guarantee for the future, Rabobank and all other providers of information contained in this brochure and on the websites to which it makes reference accept no liability whatsoever for the brochure's content or for information provided on or via the websites.
The use of this publication in whole or in part is permitted only if accompanied by an acknowledgement of the source. The user of the information is responsible for any use of the information. The user is obliged to adhere to changes made by the Rabobank regarding the information's use, Dutch law applies.


You might remember from past blog posts that I am superstitious.
I also have a secret power that enables me to find four leaf clovers crazy easy.
Although, right after Dad died, I couldn't find any.
And that went on all Spring and Summer.
Stella is getting her groove back, y'all.


What Do You Owe Your Father in Heaven?
Despite the fact that what our parents did for us was motivated by their own feelings, we are obligated to be grateful to them. And if we are obligated to show gratitude towards a father and a mother, then how much more are we obligated to show gratitude to Hashem, the Source of all good. We are not His children physically and not part of His personality. Thus, He is not motivated by any of the weaknesses of nature that parents have. -- Ohr Avigdor Shaar Avodas Elokim.


Starting a business is a brave move, but it's growing your business that is the real task. Once the glitz and glamour of the launch have faded and the novelty is gone, you need to turn curious browsers into repeat customers. Sustaining and growing your business volume is a challenge. You need all the help you can get. Let your small business prosper with the right merchant account provider.
Your merchant account provider allows your customers to pay you, and can help you to facilitate the type of sales, promotions, and special offers that will keep customers coming back. First, think about the scale of your business. In today's market, every business needs an online presence. You can use social media to promote products and services, and you need a virtual store.
Some small business owners are skeptical about websites and all they entail. They would rather just run their physical store. However, setting up a website doesn't have to cost a lot. There are lots of free or inexpensive platforms where you can build your online home in seconds. Websites can drive traffic to your physical shop, and open up sales in other states and countries.
The trick is to find the right merchant account provider. Partner with a provider that can offer you both online and offline point-of-sale (POS) options within the same package. This way, you can manage payments in your physical and virtual stores without additional expenditure. Your online and offline finances will be merged in a cost-effective manner, boosting your profits.
Sales and promotional offers are a great way to gain new customers and introduce sales prospects to your brand. In your online shop, you can have periodic flash sales. These are very brief sales with a lot of hype. Your merchant provider should facilitate instant verification so that last-minute sales and impulse purchases can go through effortlessly.
A good merchant account provider will deliver your customers' cash into your account within about 72 hours. It will also charge you minimal fees for its processing services. This means you have a clearer image of your financial position at any one time. You have faster access to your business proceeds, which helps you with strategy and planning.
By reducing your overhead and facilitating quick sales, your merchant provider can deeply affect the level of profit that your business can achieve. Ensure that your card transactions are encrypted for additional security, regulatory compliance, and customer trust.
For more information on helping your small business prosper, or to sign up for a merchant account, please call (888) 924-2743 or go to Charge.com.


This purple herringbone vintage YSL suit is a classic with a fun, feminine style. The jacket is fitted to your silhouette with curved vertical seams and has wide lapels and angled slit pockets at the hips. It fastens in front with one extremely cool brown wooden button. Four of these buttons are also at each cuff. The skirt is a straight style with a hem below the knee. There are pockets at the hips and two pleats in front. Side zip. Both pieces are fully lined.
Measurements: Jacket: Shoulders: 16", Bust: 38", Waist: 33", Hips: 46", Sleeve: 22-23", Back of collar to hem: 27"; Skirt: Waist: 28", Hips: 40", Waist to hem: 21"
Material: No content label. Looks like wool.


text:
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This lovely gift set for newborn baby includes a soft cotton muslin swaddle blanket from Little Unicorn; a Hazel Village organic cotton friend Max Raccoon wearing a tiny matching romper; and a keepsake gift box.
Hazel Village Max is made of organic cotton with a brushed flannel texture, mostly gray, with black details on his tail and mask. His snout is the same organic cotton fleece in white. His ears are lined with cotton shirting. His eyes and nose are hand-stitched with cotton thread. He measures about 14" from feet to ears.


1. Colour the pictures that begin with j.
2. Write the letter j.
3. Colour the pictures that begin with j.
4. Write the letter j.
6. Write the letter j. Draw two pictures beginning with j.
8. Circle the words that begin with j.
9. Write the letter j. Draw two pictures beginning with j.
10. Write about your favourite juice.
11. Copy these words beginning with j.
12. Colour the words that begin with j.
13. Copy the j story. Draw a picture.
14. Write the letter J.
15. Write the letter J and j.
16. Copy the Jj story. Draw a picture.
17. Write a story about Jack-in-the-box.
18. Find the j words (wordsearch).
19. Write the letters J and j.
20. Colour the picture. Write your own Jj story.