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3 Southeast Asian AI startups that could work well in Europe
Zeroth.ai
This guest post is authored by Mark Bivens. Mark is a Silicon Valley native and former entrepreneur, having started three companies before "turning to the dark side of VC." He is a venture capitalist that travels between Paris and Tokyo (aka the RudeVC). You can read more on his blog at http://rude.vc or follow him @markbivens. The Japanese translation of this article is available here.
Last Friday I had the pleasure of attending the remote webcast of Zeroth.ai accelerator's class pitch day.
Here in The Bridge you'll find a more comprehensive recap of the event. In contrast, I'll hone in on three AI startups which struck me as particularly relevant for the European market.
Rocco.ai – an AI-powered social media manager. Rocco's key selling point is improving the efficiency of managing myriad social media campaigns in the saturated space of platforms. Sounds worthwhile. However, I could already imagine another killer app: tweak the Rocco bot to suffer through the countless productivity-sapping meetings which are all-too-common in many Southern European business environments.
Impress.ai – an AI-powered candidate screening tool for employers. One of Europe's strengths is is deep base of diverse talent in the job-seeking pool. Hiring managers are inundated with résumés in countries which have punishingly high unemployment rates. Impress.ai's tool strikes me as a remedy to optimizing these hiring processes. One open question for bots like these is how do we ensure that our human biases do not become integrated into the AI tools humans build?
Sero.ai – a clever application for deep learning to improve rice crop yields. By taking photos of their rice fields with their smartphones, farmers can obtain AI-driven analytics and disease diagnoses in real-time in order to optimize usage of pesticides, fertilizers, water, and energy on their crops. This led me to thinking: would a similar application be appropriate for vineyards? For example, could a winemaker minimize pesticide usage based on an AI-informed recommendation of insect susceptibility? Or perhaps even the harvest date could be optimized? It would seem to me that a startup from one of the major wine regions in France, Italy, or even Germany would have some legitimacy in this area.
To reiterate what I had mentioned in my predictions post, I believe 2017 will be a breakout year for the deployment of AI applications. By this I mean that AI companies will start to master the processes of expectation management and social engineering in order to bring AI across the chasm of consumer perception. This excites me as an investor.
[On a related note: my favorite venue for meeting AI entrepreneurs in Tokyo is the aptly-named Deus Ex Machina, a surf shop that doubles as a café (or vice versa). If you appreciate AI (or even just a well-balanced Gibraltar, albeit brewed by a human), Deus is worth a stop. If you bump into me there, I'm probably meeting with an AI entrepreneur, so please introduce yourself. However, please don't "out" me as a VC since the staff of the Deus only know me as the California surfer dude.]
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Japan's Mixi acquires Compath.me, Tokyo startup behind family photo service Kiddy
Tokyo-based Compath.me, the startup behind family photo service Kiddy, announced on Monday that it had been recently acquired by Japanese internet company Mixi (TSE:2121). Financial terms regarding the deal have not been disclosed but Compath.me's founder and CEO Hiromichi Ando plus his some colleagues will join Mixi upon the acquisition. Mixi's 'Vantage Studio' department, the new business development team directly led by Mixi co-founder and chairman Shinji Kasahara, has been offering a family photo service called Mitene (meaning 'Check out this!' in Japanese) since 2015. The company announced earlier this month that the app has acquired over 1 million users. According to the statement from Compath.me, the Kiddy app is expected to be merged into the Mitene app soon with the user migration. The Kiddy app will be completely shutting down in late April. Meanwhile, Mixi recently started broadcasting TV commercials across Japan to boost user acquisition for the Mitene app (see video below). Compath.me was originally launched back in 2011, graduating from Tokyo-based startup incubator Open Network Lab. Starting with a photo-sharing app aiming to help users discover locations and events around them, they subsequently pivoted to the family photo service in 2013.Compath.me was originally launched back in 2011,…
Tokyo-based Compath.me, the startup behind family photo service Kiddy, announced on Monday that it had been recently acquired by Japanese internet company Mixi (TSE:2121). Financial terms regarding the deal have not been disclosed but Compath.me's founder and CEO Hiromichi Ando plus his some colleagues will join Mixi upon the acquisition.
Mixi's 'Vantage Studio' department, the new business development team directly led by Mixi co-founder and chairman Shinji Kasahara, has been offering a family photo service called Mitene (meaning 'Check out this!' in Japanese) since 2015. The company announced earlier this month that the app has acquired over 1 million users. According to the statement from Compath.me, the Kiddy app is expected to be merged into the Mitene app soon with the user migration. The Kiddy app will be completely shutting down in late April.
Meanwhile, Mixi recently started broadcasting TV commercials across Japan to boost user acquisition for the Mitene app (see video below).
Compath.me was originally launched back in 2011, graduating from Tokyo-based startup incubator Open Network Lab. Starting with a photo-sharing app aiming to help users discover locations and events around them, they subsequently pivoted to the family photo service in 2013.Compath.me was originally launched back in 2011, graduating from Tokyo-based startup incubator Open Network Lab. Starting with a photo-sharing app aiming to help users discover locations and events around them, they subsequently pivoted to the family photo service in 2013.
Compath.me has fundraised an undisclosed sum in a seed round from DG Incubation (the company operating Open Network Lab as well as the investment arm subsidiary of Digital Garage), Architype and Netprice.com (now known as Beenos, TSE:3328). Subsequently the startup raised 50 million yen (about $492,000) from Japanese internet company United (TSE:2497) in May of 2014.
Japanese family photo service Kiddy now providing New Year's cards
Former Tonchidot COO joins Japan's family-centric social network on board
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Japanese family photo service Kiddy raises $500,000, poised for global expansion
Japanese C2C marketplace app Mercari to acquire Asia-focused auction site Smaoku
Smaoku
Zawatt
Japanese C2C(consumer-to-consumer) marketplace app producer Mercari announced today that it will acquire Zawatt, the startup behind a Japan-based online auction site catering in brand goods, called Smaoku. The deal takes effect as of Feb.27 but financial details thereof have not been disclosed. Smaoku (short for Smart Auction) allows users to buy/sell authentic second-hand items vis-a-vis other users. Last May, English and traditional Chinese interfaces became usable in addition to the Japanese one, aiming to serve U.S., Hong Kong, Taiwanese and Singaporean buyers. Since being established in May of 2011, Zawatt has released several web services including WebScope (social list bulletin board) and Ohako (karaoke companion finder). The company launched Smaoku in October of 2013 and won KDDI Mugen Labo's 5th batch demo day with the 'real-time auction' concept that makes users feel as if they are at a real auction site when buying items online. In 2015, Zawatt raised 250 million yen(USD 2 million) from IMJ Investment Partners (IMJ-IP), plus China's SIG Asia Investments and its partner VC firm MS Capital of Japan. Upon the acquisition at this time, Zawatt co-founder and CEO Daisaku Harada will join Mercari while Smaoku will continue to be run by the current staff. See…
Japanese C2C(consumer-to-consumer) marketplace app producer Mercari announced today that it will acquire Zawatt, the startup behind a Japan-based online auction site catering in brand goods, called Smaoku. The deal takes effect as of Feb.27 but financial details thereof have not been disclosed.
Smaoku (short for Smart Auction) allows users to buy/sell authentic second-hand items vis-a-vis other users. Last May, English and traditional Chinese interfaces became usable in addition to the Japanese one, aiming to serve U.S., Hong Kong, Taiwanese and Singaporean buyers.
Since being established in May of 2011, Zawatt has released several web services including WebScope (social list bulletin board) and Ohako (karaoke companion finder). The company launched Smaoku in October of 2013 and won KDDI Mugen Labo's 5th batch demo day with the 'real-time auction' concept that makes users feel as if they are at a real auction site when buying items online.
In 2015, Zawatt raised 250 million yen(USD 2 million) from IMJ Investment Partners (IMJ-IP), plus China's SIG Asia Investments and its partner VC firm MS Capital of Japan.
Upon the acquisition at this time, Zawatt co-founder and CEO Daisaku Harada will join Mercari while Smaoku will continue to be run by the current staff.
Japan's Smart Auction is a destination for fashionable working ladies
Zawatt snags $2M to attract Asian consumers with authentic second-hand from Japan
Japan's Smaoku, auction site for authentic second-hand, now serves buyers in Asia
Cities of Japan's Fukuoka, Taiwan's Taipei agree on mutual startup support initiatives
See the original story in Japanese. Municipal governments of Japan's Fukuoka and Taiwan's Taipei earlier this month signed an MoU (Memorandum of Understanding) on mutual support by Japanese and Taiwanese startups upon expanding their businesses to the respective markets. Fukuoka Mayor Soichiro Takashima visited the Taipei City Hall to sign the MoU with Taipei Mayor Ko Wen-je, which was followed by a joint press briefing. Taipei City has established Taiwan Startup Hub and other incubation facilities to encourage entrepreneurship among the younger generation while Fukuoka City has set up several similar venues such as Startup Cafe (planned to be moved soon to the former Daimyo Elementary School site from the current Tenjin area premise in Fukuoka's city center). Some of our readers may recall that Fukuoka City held a competition to choose Taiwanese startups to be invited to the former at Taiwan Startup Hub back in July of 2016. Mayor Takashima said that Fukuoka City has introduced these nine Taiwanese startups to a major Japanese department store and other firms through business collaboration and matchmaking opportunities like Fukuoka Startup Selection. Along Mayor Takashima, startup founders and entrepreneurs from Fukuoka were participate in the MoU signing ceremony. Taipei City Mayor Ko…
Fukuoka city mayor Soichiro Takashima and Taipei city mayor Ko Wen-je shake hands after signing the MoU.
Image credit: Fukuoka City Office
Municipal governments of Japan's Fukuoka and Taiwan's Taipei earlier this month signed an MoU (Memorandum of Understanding) on mutual support by Japanese and Taiwanese startups upon expanding their businesses to the respective markets. Fukuoka Mayor Soichiro Takashima visited the Taipei City Hall to sign the MoU with Taipei Mayor Ko Wen-je, which was followed by a joint press briefing.
Taipei City has established Taiwan Startup Hub and other incubation facilities to encourage entrepreneurship among the younger generation while Fukuoka City has set up several similar venues such as Startup Cafe (planned to be moved soon to the former Daimyo Elementary School site from the current Tenjin area premise in Fukuoka's city center). Some of our readers may recall that Fukuoka City held a competition to choose Taiwanese startups to be invited to the former at Taiwan Startup Hub back in July of 2016. Mayor Takashima said that Fukuoka City has introduced these nine Taiwanese startups to a major Japanese department store and other firms through business collaboration and matchmaking opportunities like Fukuoka Startup Selection.
Along Mayor Takashima, startup founders and entrepreneurs from Fukuoka were participate in the MoU signing ceremony. Taipei City Mayor Ko said he wanted to invite them to the city's brand new incubation hotspots such as Center for Innovation Taipei (CIT), Taipei Co-Space and digiBlock, which will be completed in Taipei Metro's Yuanshan station neighborhood by the end of this year.
While Fukuoka City has unveiled what kind of support can be offered to Taiwanese startups in Japan through the partnership, the press briefing this time around unveiled how the Taipei City Government can help Japanese startups in Taiwan as follows:
Offering overseas business expansion support by partnering of Startup@Taipei and Fukuoka's Startup Cafe.
Offering financial support including grants to entrepreneurs to set up a business
Offering support for exhibiting at events and conferences in Taipei
L to R: Masanori Hashimoto (CEO of Nulab), Asuka Tsuzuki (President of Tsuzuki Education Group), Shuhei Ishimaru (Director General of Fukuoka Directive Council), Soichiro Takashima (Mayor of Fukuoka City), Ko Wen-je (Mayor of Taipei City), Lin Chin-rong (Deputy Mayor of Taipei City), Lin Chong-jie (Head of Taipei City's Department of Economic Development Office)
Cities of Japan's Fukuoka, France's Bordeaux shake hands to support drone startups
Fukuoka's mayor visits Taiwan for closer ties with local startup community, government
ReCactus reaction video app wins Infinity Venture Summit pitch competition in Taipei
Japan's One Tap Buy, mobile-only trading brokerage, secures $13.3M from Mizuho, Softbank, others
One Tap Buy
SCORE 1,511 Masaru Ikeda 2017.02.19
Previously known as MyBanker, Tokyo-based One Tap Buy has been focused on developing a mobile app that specifically helps people manage their savings and investments more easily. The firm announced on Tuesday that it has fundraised 1.5 billion yen (about $13.3 million) from Mizuho Capital, Mobile Internet Capital, Softbank and Mizuho Securities. This follows their previous 1 billion yen funding from Softbank back in July of 2016. Prior to that, the firm also secured an undisclosed sum from Mobile Internet Capital, DBJ Capital and Mitsui Life Insurance's Sansei Capital, as well as other undisclosed VC firms in June of 2015. Followed by closed beta testing for almost an year, the app was officially launched in last June. The company claims that they have acquired over 150,000 downloads to date, especially from users in their 20s and 30s, while 70% of them have not tried any investment opportunity before. The app allows users to easily choose then buy US-listed stocks and Japanese exchange traded funds rather than using conventional trading platforms. The company says that the new funds will be used to accelerate system development efforts for new services in addition to strengthen marketing efforts to make more people recognize the…
Previously known as MyBanker, Tokyo-based One Tap Buy has been focused on developing a mobile app that specifically helps people manage their savings and investments more easily. The firm announced on Tuesday that it has fundraised 1.5 billion yen (about $13.3 million) from Mizuho Capital, Mobile Internet Capital, Softbank and Mizuho Securities.
This follows their previous 1 billion yen funding from Softbank back in July of 2016. Prior to that, the firm also secured an undisclosed sum from Mobile Internet Capital, DBJ Capital and Mitsui Life Insurance's Sansei Capital, as well as other undisclosed VC firms in June of 2015.
Followed by closed beta testing for almost an year, the app was officially launched in last June. The company claims that they have acquired over 150,000 downloads to date, especially from users in their 20s and 30s, while 70% of them have not tried any investment opportunity before.
The app allows users to easily choose then buy US-listed stocks and Japanese exchange traded funds rather than using conventional trading platforms. The company says that the new funds will be used to accelerate system development efforts for new services in addition to strengthen marketing efforts to make more people recognize the service.
One Tap Buy CEO Hayashi made his pitch at Startupbootcamp FinTech FastTrack in Tokyo in 2015.
Image credit: "Tex" Pomeroy
Via TechCrunch Japan
12 finalists from around the world compete at B Dash Camp pitch arena in Fukuoka
From Infinity Ventures Summit in Kyoto: 14 startups pitch at Launch Pad competition
Meet Symmetry Alpha, 3D CAD model browser from Japan that lets you jump into VR metaverse
SYMMETRY alpha
See the original story in Japanese. Tokyo-based Dverse, the Japanese startup focused on developing virtual reality (VR) authoring tools, this Tuesday unveiled its VR browser for construction / civil engineering use, named Symmetry Alpha. One can download the browser from the game software distribution platform Steam. The browser was developed based on Unity platform and is currently available for Oculus Rift or HTC Vive. In the future, it will support other platforms such as Oculus Rift, Android Daydream, Samsung Gear or Microsoft HoloLens. It is not easy to express its excellence in words, as with every new VR solution, and yet Symmetry shows an outstanding vision for enabling users to experience a feel of being teleported into the VR world just by importing CAD (computer-aided design) data in SketchUp files. Although there have been other systems that create perspective drawing from CAD data, and in fact design offices or architects have often used them in order to explain design plans to their clients. However, there is a limit for perspective drawing to express 3D data in 2D images, as well as the problem of the blind spots. Symmetry enables users not only to check the outer appearance but also to…
Tokyo-based Dverse, the Japanese startup focused on developing virtual reality (VR) authoring tools, this Tuesday unveiled its VR browser for construction / civil engineering use, named Symmetry Alpha. One can download the browser from the game software distribution platform Steam. The browser was developed based on Unity platform and is currently available for Oculus Rift or HTC Vive. In the future, it will support other platforms such as Oculus Rift, Android Daydream, Samsung Gear or Microsoft HoloLens.
It is not easy to express its excellence in words, as with every new VR solution, and yet Symmetry shows an outstanding vision for enabling users to experience a feel of being teleported into the VR world just by importing CAD (computer-aided design) data in SketchUp files. Although there have been other systems that create perspective drawing from CAD data, and in fact design offices or architects have often used them in order to explain design plans to their clients. However, there is a limit for perspective drawing to express 3D data in 2D images, as well as the problem of the blind spots. Symmetry enables users not only to check the outer appearance but also to virtually be positioned inside the object and to obtain a panoramic view.
Since launched back in October of 2014, Dverse had fundraised an undisclosed amount from BonAngels Venture Partners and Villing Venture Partners in July of 2015, followed by $104 million from 500 Startups Japan, Colopl VR Fund, KLab Venture Partners, Adways (TSE:2489), Willgroup (TSE:6089), and Slogan, in addition to angel investor Shogo Kawada, in June of 2016. According to Dverse CEO Shogo Numakura, the firm had conducted contract-planning and development of VR software for operational training use as commissioned by major enterprises, but have been focusing on development of Symmetry since around last January.
This day's launch is a St. Valentine's Day present to the world. The support languages are not especially limited to VR, so that it can become a solution without language barriers.
Numakura comments on the firm's view:
I considered using the same approach as Adobe did for Acrobat; we first offered users the use of our browser for free and let them recognize the usefulness of VR in business. We plan to launch an editor (authoring) tool as a premium service during the third quarter. I expect that VR for business use will go into full swing within a few years.
Numakura also said that it is not easy for VR startups to raise funds or to seek new markets domestically only and that he considers overseas development of Dverse as a solution to these problems. The firm plans to establish local offices in Silicon Beach LA (tech startup community based on from Santa Monica to Venice Beach) in the U.S. and in Shoreditch (the up-north area of London's Tech City) in the UK within the year, as well as one in China, which is showing great performance by VR startups with an eye to the future.
The Bridge's guide to VR hotspots in Tokyo (2017 new year edition)
Although the firm does not plan an exhibition at SXSW (South by Southwest), Numakura told us that his company intends to introduce the browser through participation in various startup events or VR-related conferences which will be held within and outside Japan from this Spring.
How can Dverse change the global construction and civil engineering fields? It behooves a close look at their activities.
Translated by Taijiro Takeda
Japan's Awakens gets seed funding to allow users to manage entire genome in the cloud
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This page displays sold house prices for Frensham Green in Reading.
Frensham Green in Reading RG2 consists predominantly of flats. Properties on Frensham Green typically have values around £150,000 - £200,000, ranging up to around £200,000 for top end flats.
Map showing Frensham Green in Reading.


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Q: Jquery not working in ie6 I'm quite stuck on this
It's working fine in firefox, chrome, safari, ie8(almost).
But in ie6:

*

*no mouse interactions work; added like - $("#watch_but_link").mouseup and $("#watch_but_link").mouseover

*some css functions don't work; added like - $("#listen_tab").css("background-position","0px 0px");
There is a whole load of xml parsing and displaying stuff which does seem to be working through.
I've tried executing the script and the bottom of the page as well as having the $(document).ready at the bottom (I read that could help). But it didn't.
The page is here, it's the part of the top navigation under the radio, tv part:
http://www.abc.net.au/triplej/default_nowplaying.htm
the script here: /triplej/scripts/triplej.listen.watch.js
Any ideas welcome
Thanks!

A: Does the problem still happen if you add type="text/javascript" to the respective <script> tag?
As for the CSS functions, try decomposing them so they don't use multi-value properties. Like instead of setting background-position to 0px 0px, set both background-position-top and background-position-left to 0px. Also keep in mind that IE6 had poor support for CSS (compared with more modern browsers) so you may want to check if other properties that are failing to be set with jQuery would be successfully set through normal CSS rules.

A: You might want to check your program logic as well, and make sure buttonsActive is being set properly. It'd probably be a good idea to use the actual boolean values true and false rather than the strings "true" and "false". IE6, besides having poor CSS support, certainly also has bugs, or at least differences, in the way it evaluates Javascript expressions. Avoiding unlikely-but-syntactically-valid expressions is a good rule of thumb to ensure consistent evaluation.
I've also had more luck with passing a data structure to css() rather than a string. Eg:
    $("#watch_tab").css( { "background-position-top":  "0px",
                           "background-position-left": "0px",
                       } );
    $("#watch_but").css( { "background-image": "" } );

I can't say that I've isolated a particular problem that this syntax fixes, but I and my development team have settled on this syntax after writing a lot of jQuery code and fixing a lot of browser compatibility bugs.

A: Thanks for the advice and input,
It turns out there is a conflict between an ie png fix that is globally applied accross the site and this script, without it, it works fine.
I'm sure the suggestions here go towards better formatted code so not all lost.
Now just to figure out how to get around this png fix thing.
thanks again.

redpajama_set_name: RedPajamaStackExchange


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Q: Db2 max(DATE_FIELD) optimization I encountered this SQL statement in our legacy software:
select max(DATE_FIELD) from schema.VERY_LARGE_TABLE.
Now, this in itself would not be a problem, but VERY_LARGE_TABLE contains over 20,000,000 records and execution of the statement sometimes exceeds specified timeout of 30 seconds. This now represents an issue as users do not see a correct date.
I have stored this date in cache, so that once the date is obtained it is not obtained any more that day. But this does not help with original issue.
I was wondering, is there a way to optimize a table or SQL statement to perform faster than it does now?
[Edit] This behaviour is also only in place until table is in DB2 server's cache. After that, the query runs in approximately 2 seconds.
[Edit2] The platform is IBM DB2 9.7.6 for LUW.
[Edit3] DDL:
create table MYSCHEMA.VERY_LARGE_TABLE (
    ID integer not null generated always as identity (start with 1,
                                                      increment by 1,
                                                      minvalue 1,
                                                      maxvalue 2147483647,
                                                      no cycle,
                                                      cache 20),
    CODE_FIELD varchar(15) not null,
    DATE_FIELD date default CURRENT DATE not null
)
in TS_LARGE;

create unique index MYSCHEMA.VERY_LARGE_TABLE_1 on MYSCHEMA.VERY_LARGE_TABLE (CODE_FIELD asc, DATE_FIELD asc);
create index MYSCHEMA.VERY_LARGE_TABLE_ARCHIVE on MYSCHEMA.VERY_LARGE_TABLE (DATE_FIELD asc, CODE_FIELD asc);
create index MYSCHEMA.INDX_VERY_LARGE_TABLE_ID on MYSCHEMA.VERY_LARGE_TABLE (ID asc);

alter table MYSCHEMA.VERY_LARGE_TABLE add constraint MYSCHEMA.PK_VERY_LARGE_TABLE primary key (CODE_FIELD, DATE_FIELD);

A: Couple of things you can do.

*

*Create a index on the date_filed

*Execute the select statement with with ur at the end of the statement like
select max(DATE_FIELD) from schema.VERY_LARGE_TABLE with ur this will speed up the process.

*Try to increase the primary and secondary logfile sizes but take care to take the help of DBA before doing this as this will effect the database, If you are not sure then don't go for this option.

*If there are bulk operations going on table issue frequent commits.

A: As long as you have an index only on DATE_FIELD DESCENDING, then try
SELECT DATE_FIELD
  FROM VERY_LARGE_TABLE
  ORDER BY DATE_FIELD DESC
  FETCH FIRST ROW ONLY
  WITH UR


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HomeTravis Central Appraisal DistrictTCAD asking for 24 percent budget jump
TCAD asking for 24 percent budget jump
By Editor Ken Martin
While cities and counties are limited by state law to 3.5 percent revenue increases and school districts are limited to 2.5 percent increases (unless a disaster has been declared) the appraisal district is planning for massive spending increases
Bruce Elfant
"This is going to get noticed," said Bruce Elfant, Travis County's tax assessor-collector and ex-officio member of Travis Central Appraisal District's board of directors. That was his understated reaction to the staff presentation of the proposed TCAD budget for calendar year 2022.
The agency's 2021 budget was the same as its 2020 budget: $20,193,893.
But the proposed 2022 budget unveiled at yesterday's Budget Work Session weighed in at just a hair under $25 million—$24,986,951 to be exact.
Stated in raw dollars that's a jump of $4.8 million.
The TCAD board advised staff to do what it could to either reduce or delay increased spending as much as possible before coming back to it's June 8th meeting with a full-blown draft budget for further consideration.
More people power proposed
In the 11 tax years 2011 through 2021 TCAD staffing remained essentially unchanged. TCAD had 129 employees budgeted in 2011 and the same number in 2021. In the intervening years budgeted staffing levels never changed by more than three positions. That's about to change—drastically—if staff budget proposals are approved.
TCAD wants to add 28 full-time employees. That's 21.7 percent more people.
Of the new positions, 11 would be residential appraisers and five would be commercial appraisers. Customer support and appraisal support would each get three additional staffers. The other half-dozen new jobs would be spread over six different areas.
These increases are attributed to growth in workload. In the last decade, 62,400 parcels have been added to the tax rolls. Over that same 10 years the value of taxable properties has increased by $158.7 billion. Field inspections during that period have increased by 186 percent.
In addition, protests, lawsuits, and arbitrations have all skyrocketed.
Staff attorney Dustin Banks said, TCAD is very aggressive in assigning market values and it's "very profitable" to file lawsuits against the agency, given the way the Tax Code is structured. "It's a profitable model for the other side."
Marya Crigler
Chief Appraiser Marya Crigler said, "We have to create a duplication of the workforce, one for formals (ARB hearings) and one for informals (protests filed and responded to primarily via the online portal). We can't do them all at the same time."
She said TCAD had encountered a lot of turnover in its appraiser staff, and had lost a lot of experienced people. The new employees are not as efficient and it takes a couple of them to do what previously could could have been done by one, more experienced person. "We need to increase staff just to keep up," Crigler said.
Want more competitive salaries
Like employers in just about every segment of the economy, TCAD says it's getting harder to attract and retain qualified workers. TCAD staff sees itself competing with businesses ranging from Amazon and Tesla to McDonald's and Chipotle.
In response, budget work session materials show that TCAD's 47 clerical workers are slated for a 12 percent increase in pay. Its 75 appraisers would see a 7 percent pay increase, as would 34 salaried professionals. The district's 10 management and executive employees would get 3 percent raises.
Desirable candidates have turned down offers because salaries offered weren't high enough to offset the area's high cost of the living, staff said.
Crigler said that keeping employees is also a challenge. Twenty-seven left TCAD last year citing high stress and inability to take vacations. Only two went to work for firms that represent property owners filing protests, the rest went to other industries, she told the board.
"We want competent, highly qualified people. We want to train them up and keep them," she said.
Nicole Conley
Nicole Conley, one of the City of Austin's appointees and TCAD's newest board member, asked if TCAD had other benefits it could tout to offset concerns about salaries and make jobs more attractive.
According to TCAD's 2021 Adopted Budget, full-time regular employees with fewer than five years of service accrue eight hours a month in vacation time. Each additional five-year increment in years of service adds another eight hours per month for vacation. All such employees earn eight hours of sick leave per month with no carry-over limit. They also get 12 paid holidays a year plus two days off with pay for "personal holidays."
In addition, TCAD participates in the Texas County and District Retirement System, under which employees contribute 7 percent. The district matches that at 250 percent. Employees vest after 10 years service and can retire when the employee's age and years of service combined total 75. Further, the district contributes to a 401(a) plan for each employee annually, paying no less than 5 percent of the previous year's gross income. Employees are fully vested in five years. Additional benefits include a deferred compensation plan, health insurance, health reimbursement account, and retiree health benefits. Plus they get dental insurance, vision insurance, life insurance, long-time disability insurance, long-term care insurance, and an employee-assistance program for a variety of services.
Leana Mann
Leana Mann, TCAD's director of operations, replied to Conley, saying, "We have robust benefits, but we have found in clerical and residential appraiser positions that pay is more important than benefits. They have to put food on the table."
Earlier in the budget session, Mann said, "We've gone as far as we can technology-wise, we need people."
Crigler said employees can't take vacations in the middle of the summer protest season and appraisal work continues in the fall, as well, for discovery and field work.
"We have staff that hasn't taken vacation in two years," Crigler said. "We don't have a bench to take up slack when someone's absent…It's not healthy for staff not being able to take vacations. They need to be freed up so they can recharge. The work is incredibly stressful."
Other budget increases requested
The projected 2022 cost of operating the Appraisal Review Board, based on recommendations from recently appointed ARB Chair Thomas King, is $1,630,425. That's an increase of more than $400,000 (36 percent) from the 2021 adopted budget. Per diem pay for ARB members account for more than $1.5 million, plus training, new member orientation, and other expenses.
TCAD is separate from the ARB but provides financial and clerical support for it.
TCAD staff proposed a 26.5 percent budget increase for subscriptions and data. Legal and attorney spending would see a 39.4 percent increase in response to a 548.3 percent increase in lawsuits filed since 2011.
Postage and freight are slated to increase to pay for additional mailings. Telephone expenses would increase 446 percent to continue the well received system of conducting formal Appraisal Review Board hearings by telephone. Aerial photography would increase to take advantage of a Change Finder capability that would assist appraisers in finding new improvements added to properties.
In addition, $523,791 is requested for capital equipment for a variety of uses.
Board members floated and discussed ideas for how TCAD might be able to reduce the overall workload by putting a crimp in the number of value protests filed each year.
Anthony Nguyen
Anthony Nguyen said fewer protests would be filed if property owners and agents knew TCAD would be fair and equitable in assigning property values. Since protesting valuations is a legal right the idea is to woo fewer protests by any means necessary.
Crigler responded by saying the number-one reason for filing protests is high property taxes. "We have one of the highest tax burdens in the state and there's not a lot the appraisal district can do. We're just the first place taxpayers get to come and talk." She added that the district is doing more to educate taxpayers and giving them more opportunities to participate. To that end TCAD has held five webinars this year and also offers a series of educational videos on registering an online account, filing a protest, submitting and reviewing evidence, and accepting or rejecting settlement offers. All these videos are available on TCAD's website.
Mann noted that more than 80 percent of all protests are filed by agents who represent property owners. Attorney Banks said a lot of agencies that represent property owners have contracts to file protests year after year. If someone is signed up with a company, then protests will be filed regardless.
David Bawcom
That claim was confirmed by David Bawcom, director of appeals for Texas Pro Tax. "Our agreements require us to appeal and continue every year until terminated," he said in an email.
Board Member Conley said, "I don't see a way the appraisal district can convince anyone (not to protest) in a state that's highly dependent on property taxes." She suggested TCAD needs to talk to lawmakers and have a multiyear plan to meet its needs.
ARB plans for protest season
Before the Appraisal Review Board begins holding formal hearings for 2021 protests it will be working to finish up some 1,400 in-person hearings that were held over from 2020 due to Covid restrictions. "We have to figure out how to do that," said ARB Chair King.
To get the 2021 hearings done and get the tax rolls certified by July 20th, he said, cooperation is needed among ARB, TCAD, and agents. "Agents are the key to getting certified by July 20th." He said he expects to have completed 40,000 hearings by that date.
To that end, King sent a two-page letter to property tax agents May 11th to inform them of procedures and expectations for this year's process. The letter states that 2021 formal protest hearings are scheduled to begin in mid-June and conclude on or before August 30th.
The letter states TCAD plans to operate up to 40 panels concurrently using remote Internet and telephonic communication. The intention is to schedule a minimum of 40 residential hearings and a minimum of 30 commercial and business personal property hearings per panel per day. Any postponements or rescheduling of hearings—if approved by King—will be held on Saturdays, he said. "That's my strategy."
He estimated the ARB will have to hold 47,520 hearings. Residential hearings will likely continue into September, King said.
He said that $290 billion in values must be certified to reach 90 percent for certification. The ideal is to hold formal hearings starting with the highest values and working to lower values as the process grinds on.
Legislation affecting appraisal districts
TCAD is tracking 503 bills that may or may not make it through the legislative sausage grinder to become law. Some have already been enacted. The session ends May 31st. Here are just a few of the bills the chief appraiser mentioned to the TCAD board and the status of each, according to Texas Legislature Online:
Elected official privacy—HB 1082, signed by Governor Greg Abbott May 19th, makes confidential the appraisal district records for all elected public officials in Texas. That privilege was previously available only for state officers, people elected statewide, and members of the Legislature, as well as 18 other categories including peace officers, current or former members of the armed forces, judges, and prosecutors. The statute takes effect September 1, 2021.
Faster exemption decisions—SB 63, among other things, would require the chief appraiser no later than the 90th day after receiving a request for a property tax exemption to decide whether to grant, modify, request additional information, or deny the exemption. The bill passed in both houses May 25th but has not yet been sent to the governor. Additional staffing would be needed to comply if this is enacted, Crigler said.
Disaster temporary exemptions—SB 1427 would allow temporary exemptions from ad valorem taxation for a portion of the appraised value of a property damaged by a disaster only for physical damage. Economic damage would not qualify for such exemptions. The bill passed both houses May 25th but has not yet been sent to the governor.
How TCAD's budget is funded
It should be noted that TCAD itself does not levy a property tax. Instead, its budget is funded by the 15 school districts, 22 cities, Travis County, Central Health, Austin Community College District, and assorted other taxing entities for which it provides appraisal services and certifies tax rolls. Each taxing unit's portion of TCAD's budget is allocated based on the total property taxes imposed by each unit in proportion to the total dollar amount of property taxes imposed by all taxing units within the district.
Texas Tax Code Section 6.06 requires TCAD's chief appraiser to prepare a proposed budget for operation of the district for the following calendar year and submit copies to its board and to each taxing unit before June 15.
The TCAD board must hold a public hearing on its proposed budget at least 10 days after giving notice of the hearing to each taxing unit's presiding officer. The budget must be adopted by September 15th.
Although it hasn't happened in recent memory, there is a provision to override the budget approved by the TCAD board.
"If governing bodies of a majority of the taxing units entitled to vote on the appointment of board members adopt resolutions disapproving a budget and file them with the secretary of the board within 30 days after its adoption, the budget does not take effect, and the board shall adopt a new budget within 30 days of the disapproval," states Section 6.06(b) of the Tax Code.
Trust indicators: Bulldog founder and editor Ken Martin has been covering local government and politics in the Austin area since 1981 and investigating and reporting on Travis Central Appraisal District since 2011. See more about Ken on the About page.
Links to related documents:
TCAD 2021 Adopted Budget, September 3, 2020, (230 pages)
TCAD Board of Directors meeting materials, May 25, 2021 (213 pages)
TCAD Budget Work Session materials, May 25, 2021 (55 pages)
Links to related Bulldog coverage:
Appraisal Review Board gets new leader, finally, April 9, 2021
Appraisal Review Board chair resigns, March 18, 2021
Appraisal Review Board member rebuts criticisms, January 7, 2021
TCAD board hammers ARB chair over costs, delay, December 15, 2020
TCAD 2021 budget approved for $20.2 million, September 8, 2020
COVID-19 plans for appraisal review board hearings, June 1, 2020s
Deadline for property value protests this Friday, May 11, 2020
Protesting property values during COVID-19 emergency, April 15, 2020
Chief appraiser on a losing streak, March 17, 2020
David Elfant December 9, 2021 8:06 AM At 8:06 AM
It looks like the TCAD budget increase is necessary to hire and retain the staff needed to perform the job.
Congratulations. It looks like you're the type of person who reads to the end of articles. Now that you're informed on this topic we want your feedback. We want to add your knowledge to amplify, clarify or criticize what you've read. And we definitely want to correct the record if we've gotten something wrong.
Dustin Banks
Bills advance to penalize Austin over police funding
Council eyes property tax hike above 3.5 percent
Travis Appraisal Review Board members pared
Appraisal District board approves $25.7 million budget
Travis Appraisal Review Board
Property value protests set new record

redpajama_set_name: RedPajamaCommonCrawl


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Biden manages to tell two enormous whoppers in a minute's time
By Ben Bowles August 28, 2020 August 28, 2020
For his next trick…
When asked by NBC's Andrea Mitchell to react to Nancy Pelosi's recommendation yesterday that Joe Biden not debate Donald Trump, Biden replied that he would willing to debate as planned so long as there was a fact-checker present.
It had been recommended to me by a number of very competent people who know their way, including leading Republicans, that I should not debate Trump unless there's a fact checker on the ground, in their … in the debates, saying "That's true," "that's not true."
What the former vice president should really hope is that the fact checker won't assess his own claims, especially since, besides his lengthy history of inventing facts, he went on in the same interview to give utterance to two really preposterous assertions. Watch:
Trump "screwed up" the good economy he inherited from the Obama-Biden administration? That will be news to most Americans who, prior to the onset of the COVID-19 pandemic, witnessed one of the most robust economies in the history of the nation. Yes, Obama inherited a recession from which the economy eventually recovered. But as this chart from a House Joint Economic Committee report using data from the Bureau of Labor Statistics reveals, unemployment more than doubled during Obama's first two years in office, then slowly fell over the next six to a level still higher than the one he inherited. All thing considered, it was the slowest economic recovery in the history of the nation. As for Trump's "screwing it up," under his stewardship, unemployment continued its downward path through 2019 while the stock market and consumer confidence soared to unprecedented highs.
House Joint Economic Committee
Biden's second whopper is his claim that "for the past four years we weren't having … racial riots." Presumably, he is referring to the last four years of the Obama presidency, but he is still dead wrong. Not only was there rioting, looting, and mayhem in Ferguson, Mo., following the death of Michael Brown in 2014, but even worse pillaging in Baltimore, which over the duration of Obama's second term, devolved into one of the most dangerous cities in America.
Not only that, but Obama's "blame-police first" mentality resulted in the assassination of some dozen police officers as they sat in their cruisers.
By all means, bring on the debates, and invite a disinterested "fact checker" (good luck finding one of those!) to referee. If an honest broker can be found, Biden will find he has almost no time to speak once his lies begin to be batted down.
Posted in: Economy, Media, PoliticsTagged: Donald Trump, fact-checker, joe biden, lying, race riots, video
Ben Bowles
Ben Bowles is a freelance writer and regular contributor to "Liberty Unyielding."
The five reasons Trump is going to crush Biden
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NYSE FANG Is 7% Down In The Last 21 Sessions
(VIANEWS) – NYSE FANG (NYFANG) has been up by 7.2% for the last 21 sessions. At 10:13 EST on Friday, 2 December, NYSE FANG (NYFANG) is $4,891.38.
Regarding NYSE FANG's yearly highs and lows, it's 1.16% up from its 52-week low and 0.52% down from its 52-week high.
News about S&P 500
According to MarketWatch on Wednesday, 30 November, "Disney shares were up 0.5% in premarket trade Wednesday, but are down 39% in the year to date, while the S&P 500 has fallen 17%."
According to CNBC on Wednesday, 30 November, "Morgan Stanley's Mike Wilson, who has a S&P 500 year-end target of 3,900 for next year, warns corporate America is getting ready to unleash downward earnings revisions that will pummel stocks."
According to FXStreet on Wednesday, 30 November, "Against this backdrop, the S&P 500 Futures remains indecisive after a mixed closing of Wall Street whereas the US 10-year Treasury bond yields ended Tuesday on a firmer footing, up six basis points (bps) to 3.748%, down one bps to 3.73% at the latest."
According to FXStreet on Wednesday, 30 November, "Also, the market's sluggish moves, as signaled by the inactive S&P 500 Futures and mixed moves in Asia, not to forget sticky US Treasury bond yields, challenge USD/INR momentum traders."
According to FXStreet on Wednesday, 30 November, "On a broader front, inactive S&P 500 Futures and sticky US Treasury bond yields challenge the market sentiment. "
More news about NYSE FANG (NYFANG).
NYFANG
NYSE FANG
CBOE Over 10% Down In The Last 21 Sessions


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Hrib pri Orehku je naselje v Občini Novo mesto.

Sklici in opombe

Zunanje povezave
 Zemljevid naselja Hrib pri Orehku

Naselja Mestne občine Novo mesto

redpajama_set_name: RedPajamaWikipedia


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Patrick Bet-David Quotes On Life And Success
Patrick Bet-David is an entrepreneur, author and popular podcast host. He is the founder of the financial services company called PHP Agency Inc and the media company Valuetainment Media LLC.
Patrick began his career in financial services with Morgan Stanley and the Transamerica Corporation. He then founded his own company, the PHP Agency, which offers insurance products including annuities, health insurance, and 401k roll-overs.
Patrick Bet-David's massively popular YouTube channel features great interviews with business leaders, politicians, athletes, and entertainers. He has over 10 million followers across 5 media platforms.
His book, Your Next Five Moves: Master the Art of Business Strategy, debuted at #1 on the Wall Street Journal bestseller list. Patrick is passionate about educating and encouraging tomorrow's entrepreneurs.
I hope that you check out his YouTube channel and that you really enjoy the following collection of Patrick Bet-David Quotes.
1. Reading an hour a day is only 4% of your day. But that 4% will put you at the top of your field within 10 years. Find the time. — Patrick Bet-David
2. We never feel completely ready for life's big decisions; but in taking the leap, we push ourselves to the next level. — Patrick Bet-David
3. Take some time to sit and reflect on your dream job or the best version of you. — Patrick Bet-David
4. In the end, your success will speak for itself. — Patrick Bet-David
5. The bigger the vision you have, the more important it is for you to think on what type of a team you're going to put around you. — Patrick Bet-David
6. One can not charm or seduce their way out of lost time. Time has no mercy for those who take it for granted. — Patrick Bet-David
7. Your anger at others dies out once you see that no one but you controls your fate. — Patrick Bet-David
8. It's tough to start the next chapter of your life if you keep re-reading and re-living the last one. Grab the pen of life and start writing the next one. — Patrick Bet-David
9. To get better you must reflect on your mistakes. — Patrick Bet-David
10. Roger Banister said his 4:03.6 mile in 1953 "made him realize that the four-minute mile was not out of reach." Part of daring to achieve the impossible is letting failure motivate you rather than discourage you. — Patrick Bet-David
11. You must act like a great company (or a great entrepreneur/intrapreneur) long before you ever become one. — Patrick Bet-David
12. Instincts are a by-product of 1000's of hours of mastering your trade. — Patrick Bet-David
13. You're ONE bad decision away from setting yourself back years. ONE bad relationship away from picking up bad habits and mindset. At the same time you're ONE great decisions away from changing your life. ONE great relationship away from picking up great habits and mindset. — Patrick Bet-David
14. Don't compare yourself to others you see around you. Get really clear on who YOU want to be. — Patrick Bet-David
15. Spend money on experiences instead of things because they last longer. — Patrick Bet-David
16. The moment you start fighting for something bigger than YOU, you'll be introduced to a version of YOU that you've never seen before. — Patrick Bet-David
17. Studying yourself helps you reach self-acceptance, which liberates you from self-judgment. — Patrick Bet-David
18. A talented entrepreneur with bad habits eventually becomes an employee. An average employee with great habits can eventually become a great entrepreneur. — Patrick Bet-David
19. The first 2 years of being an entrepreneur will be a roller coaster ride. The goal is to eventually own the roller coaster. — Patrick Bet-David
20. Capitalism works IF YOU WORK. Working out + a proper diet works IF YOU WORK. Creating wealth works IF YOU WORK. My Dad kept preaching these annoying ideas to me and friends. Those who listened have won in life. Those who didn't keep blaming others for their lack of success. — Patrick Bet-David
21. Change will come only when the pain of staying the same is greater than the pain of change. — Patrick Bet-David
22. No matter how uncertain or strange times may be, remember to use most of your energy on things you can control. — Patrick Bet-David
23. Ferrari doesn't advertise on TV because their customers don't watch much of it. — Patrick Bet-David
24. If you always make the right decision, the safe decision, the one most people make, you will be the same as everyone else. — Patrick Bet-David
25. Your vision must align with who you want to be. Your choices must align with your vision. Your effort must align with the size of your vision. Your behavior must align with your values and principles. — Patrick Bet-David


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Home » TV & Movies » Compartment No. 6 Trailer: Two Strangers Head to the Arctic by Train in Finnish Oscar Contender
Compartment No. 6 Trailer: Two Strangers Head to the Arctic by Train in Finnish Oscar Contender
After his debut feature "The Happiest Day in the Life of Olli Mäki" won the top Un Certain Regard prize at Cannes in 2016, Finnish filmmaker Juho Kuosmanen found similar success when he returned to the festival this year with his sophomore effort "Compartment No. 6." The film, which follows the journey of two strangers brought together in a tiny sleeper car during their train ride to the Arctic, shared the Cannes Grand Prix, was selected as Finland's Oscar entry, and this week was shortlisted for Best International Feature. Below, watch the first trailer for the movie, exclusively on IndieWire.
"Compartment No. 6." stars Seidi Haarla as a young Finnish woman who escapes an enigmatic love affair in Moscow by boarding a train to the Arctic port of Murmansk. She's forced to share the ride in a tiny sleeping car with a larger-than-life Russian miner (Yuriy Borisov). The pair find their unexpected encounter leads them to face major truths about human connection.
Kuosmanen wrote the script with Andris Feldmanis and Livia Ulman; it was inspired by the novel of the same name by Finnish writer Rosa Liksom. The book won Finland's top literary award, the Finlandia Prize, in 2011.
IndieWire's Eric Kohn called the film a fresh spin on a familiar odd-couple formula, with Haarla and Borisov as "two lost souls finding catharsis in companionship."
"A sweet tale of cross-cultural bonding with a hard-edged spirit, 'Compartment No. 6' finds its central characters bickering their way across the chilly Russian countryside as they realize that the journey is the real destination. That's a fairly obvious point, of course, but Kuosmanen's actors deliver such endearing performances that it's always fun to watch them sort through the nature of the trip," he wrote.
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"Compartment No. 6" premiered at Cannes in July, where it shared the festival's number-two prize with Asghar Farhadi's "A Hero," Iran's Oscar entry that was also shortlisted this week.
Sony Pictures Classics acquired North America, Latin America, Eastern Europe, Southeast Asia, and Middle East rights to "Compartment No. 6" after its premiere.
It continued its festival run in Toronto and has since earned Indie Spirit, British Independent Film Award, and Golden Globe nominations for best international film, and European Film Award nods for European Film, Actor, and Actress.
Kuosmanen in an interview with Deadline said after reading the novel, he was compelled to adapt it for the big screen.
"I felt in this book that there were lots of cinematic qualities like the train where most of the story takes place and the fact that it happens in Russia, where there are lots of cinematic locations to be found," he said. "That was one of my dreams — to make a film in Russia. I felt that this book would be leading me to a film where I can actually make my dream come true and make a film in a train in Russia."
Besides his two features, the Helsinki-based Kuosmanen also makes silent short films with live music and foleys, and is the co-founder and artistic director of the Kokkola Cinema Festival, a small festival in the director's hometown.
SPC will release "Compartment No. 6" on January 26 in New York and Los Angeles.
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Directv no landlord consent Form 2023
Directv no landlord consent Form
Directv no landlord consent Form: What You Should Know
A tenant is also entitled to have service upon the tenant in writing of either a written or telephonic notice from the landlord specifying that A tenant must pay the rent into court in accordance with California law for violations of court ordered rules relating to payment of rent. If the tenant fails to pay the rent, the following occurs: A court shall order in writing that the tenant pay the rent plus court costs in order to discharge the lease with interest and costs for the period that has lapsed from the date of the lease termination. No further payment of the rent by the tenant shall result from this order and no future agreement entered into by the lessor shall terminate or otherwise affect the same. A tenant may not attempt to recent the premises without the consent of the landlord. The order to pay interest and court costs shall be placed on the next pay stub of the tenant that has been paid into the court system. The last rent payment date for the month or period of time is not affected by this order. The lessor may, at its own expense, place a notice on the tenant's account showing that the rent due has been applied to pay the debt. A tenant who has not paid rent for at least eight weeks after the date of the written rental agreement or who has failed to move out of the premises within fourteen (14) days after the written rental agreement is terminated will owe rent, court costs, and interest for each day the tenant remains in possession of the premises. Any tenant who fails to pay rent as provided by this section shall be liable for all reasonable expenses incurred by the landlord in moving the tenant in accordance with section 624.5 of the Rent Law, as amended." If landlord pays the court costs and interest, the total of both fees and court costs shall be a lien on the tenant's personal property. Section 1924 of California Civil Code provides the legal grounds for eviction through the lien.
Video instructions and help with filling out and completing Directv no Landlord Consent Form
Instructions and Help about Directv no Landlord Consent Form
Hi it's Mike once again at the install the day just going to go over here it's an installation on modular type home three receivers and just the placement of the dish was on a kind of a utility shed down its attached here the lines came down three lines with round run around will hide it drip here and these clips every three two to three feet and then the final two factions are our ski inside of the looking box most lines are brand new so no issues for the cabling and when the note the customer had to get approval from the owner of the property before I began I got that signed off on the form so anyway that's it nice clean job.
FAQ - Directv no Landlord Consent Form
How can you fill out the W-8BEN form (no tax treaty)?
A payer of a reportable payment may treat a payee as foreign if the payer receives an applicable Form W-8 from the payee. Prthis Form W-8BEN to the requestor if you are a foreign individual that is a participating payee receiving payments in settlement of payment card transactions that are not effectively connected with a U.S. trade or business of the payee.As stated by Mr. Ivanov below, Since Jordan is not one of the countries listed as a tax treaty country, it appears that you would only complete Part I of the Form W-8BEN, Sign your name and date the Certification in Part III.http://www.irs.gov/pub/irs-pdf/i...Hope this is helpful.
My landlord wants me to fill a W9 Form, but I am a non-resident alien for tax purposes. Will this raise a red flag with the IRS?
If you are not a resident alien, you don't pra W-9, but a W-8. See the Instructions for the Requester of Form W-9 (08/2013) on the IRS Web site.Having said that, as Wray notes you may be a resident alien for 2023. depending on your visa and the number of days that you spend in the US in 2014.
I have no last name or middle name, how can I fill out an application form?
Contact the Government authorities wherever you live.If a single name is allowed in your culture, you will not be the only one who has had this problem, and the government would have devised a way to handle it.


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Tag Archives: Sunset Hills
Weekly Photo Challenge: Masterpiece
Death and the Sculptor by Daniel Chester French
The thing that drew me first to cemeteries was the artwork. From the six-foot-tall limestone tree trunk in the graveyard near my parents' house to the angels in Highgate Cemetery, I loved to see the sculpture best of all. It draws me out in all weather from drizzling rain to humid summer sun, in the icy January breezes and in the high desert glare. I'm well-known in my household for begging to see "just one more" sculpture.
I've seen some amazing things in my travels:
The original Angel of Grief by William Wetmore Story (in Rome's Protestant Cemetery) is small, compared to the copy at Stanford University, but it may be even more lovely for being human-sized. The "Angel of Grief Weeping over the Altar of Life," Story's last work, was made to mark the grave of his wife Emelyn in 1895. Before Story's sculpture, angels were always joyful emissaries, secure in the knowledge of Heaven to come for their charges. A grieving angel, overcome by loss, struck a chord that echoes in cemeteries across the world.
Detail of Crack the Whip
Then again, Italian cemeteries are full of one-of-a-kind artwork. It's rarer to see in Midwestern cemeteries, but one of the most striking sculptures I've ever seen is in Sunset Hills Cemetery in Flint, Michigan. "Crack the Whip" is a collection of eight interconnected children running in a semi-circle. Sculpted by J. Seward Johnson, "Crack the Whip" is comprised of an Asian girl, two African American kids, a Native American, and four white kids, each distinct and individual. They are dressed in cleats and baseball shorts, a headband and a basketball jersey, a pinafore. The Asian girl has lost her Birkenstock sandal, which lies in the grass nearby.
The piece that blows everything else away for me is Forest Hills Cemetery's "Death and the Sculptor" by Daniel Chester French, the image that opened this post. Death is a stern-faced matron dressed in Grecian robes and a large-cowled cloak. She has wings, but doesn't carry a scythe or hourglass. She merely reaches her shapely arm out to touch the sculptor's chisel.
More than any other artwork I've seen, this one speaks directly to me. I've always had a personal sense of how limited my time here is, how much work I have to do before I die. Even though I am surrounded by a friendly community of other writers, I know I am the only person who can tell the stories I've felt called to tell. I dread to be stopped in the middle of my masterpiece, as French's sculptor was.
Father Time at Cypress Lawn Memorial Park, Colma
The clock is ticking, as Father Time reminds us. Time flies and no one knows the day or the hour.
Time to get busy.
Tagged Forest Hills Cemetery, postaweek, postaweek2013, Protestant Cemetery, Sunset Hills
Cemetery of the Week #62: Sunset Hills Cemetery
Crack the Whip
Sunset Hills Cemetery
G-4413 Flushing Road
Flint, Michigan 48504
Number of interments: Findagrave lists more than 4500.
Open: 8 a.m. – 6 p.m. in summer, 8 a.m. – 5 p.m. in winter
Sunset Hills Cemetery lies across from the Flint River between the former automotive capital of Flint and the former farming village of Flushing, Michigan. Sunset Hills is a lovely combination of lawn cemetery (with bronze monuments lying flush with the sod) and garden cemetery, full of gorgeous old trees, winding roadways, and peaceful views. In the spring, it comes alive with birdsong. In summer, you'd be amazed at all the shades of green. When autumn comes, the trees seem to catch fire with leaves of gold and orange. It holds a new kind of silence when the snow is on the ground.
Sunset Hills doesn't have famous people buried in it. The best Findagrave can offer is Arthur Ellsworth Summerfield, who served as Postmaster General from 1953-1961, and Booker Moore, who played fullback for the Buffalo Bills. The Political Graveyard adds only Herbert E. Crouter, who ran as a prohibition candidate for the House of Representatives, the Lieutenant Governorship of Michigan, and the University of Michigan board of regents. It's unclear to me if he ever succeeded in getting himself elected.
Sunset Hills is worth visiting because it's home to some of the best sculpture I've seen in a graveyard anywhere.
The first sculpture to greet the visitor stands just inside the gate. "The Provider" was sculpted by Derek Wernher in the likeness of Albert Koegel. (Koegel was the patriarch of the Koegel's hotdog empire. Michiganders are fanatic about their hotdogs and Koegels are considered the best.) Koegel's interest in the cemetery, dating back to its founding in the 1920s, "provided the beautiful backdrop of large trees we enjoy today," according to Sunset Hills' website.
"The Provider" is an older gentleman, raising a tin can up to fill a bird feeder. He wears striped rubber boots, slacks with a belt, and a button-down shirt: generic clothing for a very specific figure. The rough surface of his clothing was patterned in the casting process.
Wernher says, "My representational work does not dictate a story but, rather, captures a moment… All these works focus on the portrayal of the 'self' of the individual. We are all solitary, yet we are part of the universe."
Generation Bridge
Farther into the cemetery, you come upon a group of statues called "The Generation Bridge" by J. Seward Johnson. A grandfather in a tweed suit offers a broken Hersey bar to a little girl in a quilted pale blue outfit. He looks at her, but she gazes at the blanket in her hands. Beside him on the wooden bench sits her dolly. The sculpture is tucked back under the trees in such a way that it looks very realistic.
"My art is an imitation of life. [The sculptures] invite people to come into that space, so that they don't feel quite alone." – J. Seward Johnson
The centerpiece of the Sunset Hills sculpture collection is "Crack the Whip," a collection of eight children running in a semi-circle to play the game. "Crack the Whip" was the first of Sunset Hills' sculptures, dedicated in 1983. The sculpture, which cost $85,000 at the time, was donated by an anonymous Flint-area resident who had family buried in the cemetery.
The Smithsonian's Save Our Sculpture survey, compiled in 1993, says that the original leader of the game had gone missing. He appears in my photos taken in 1998 and 2008, so he must have been replaced. My photos from 1998 are here on yesterday's post.
The sculpture is comprised of an Asian girl, two African American kids, a Native American, and four white kids, each distinct and individual. They are dressed in cleats and baseball shorts, a headband and a basketball jersey, a pinafore. The Asian girl has lost her Birkenstock sandal, which lies in the grass nearby.
Multiple copies of the sculpture are scattered throughout the Midwest. According to his website, Johnson makes up to seven duplicates of each sculpture. One belongs to Radisson Hotel Engineering Department in Indianapolis, who purchased it in 1986. Another copy stands at the Lincoln National Life Insurance Company in Fort Wayne Indiana. They dedicated theirs in 1987.
The Gardener
J. Seward Johnson's final sculpture in the cemetery is called "The Gardener." The man wears blue denim overalls with a handkerchief dangling from his back pocket. His turquoise plaid flannel shirt has its sleeves rolled back. In one hand, he holds a spade. The other holds a small flowerpot, which is sometimes filled with real flowers. On the ground beside him sits a tray containing more flowerpots. Except for the gloss on his skin – which could be sunscreen – he appears real enough that I expect people sometimes ask him directions.
Candice and the Flower Girls
"Candice and the Flower Girls," by Gary Price, is a multi-figure piece that includes a pair of little girls and an older girl with a watering can, which trickles out a stream of water. Candice wears a sailor dress and dice-shaped ponytail holders. She holds a straw hat in one hand and her watering can in the other, her expression intent. She doesn't have any paint, so she looks less realistic than the other sculptures in the cemetery.
The flower girls are roughly sculpted, with big grooves that show the pressure of the sculptor's thumb. Their faces have less personality and are less established in their ethnicity than the others. Price says his goal is lifting the human spirit through sculpture. He often depicts children in natural settings, gardening and exploring nature.
The Flag Raiser
The final sculpture in Sunset Hills is called "The Flag Raiser," again by Derek Wernher. The cemetery's grounds crew calls him Charlie. He's modeled on Charles Smith, grounds supervisor for over 39 years. He wears a large ring of keys clipped at his hip, a big chunky watch, loafers, and eyeglasses with no glass in them, as he reaches up as if raising the American flag.
Sunset Hills is a lovely place to spend a summer's day, if you find yourself in mid-Michigan. Stop into the cemetery office, opposite the cemetery gates, and they will give you a map of all the sculptures.
Sunset Hills home page
Sunset Hills Flickr gallery
Sunset Hills urban legend
Smithsonian public sculpture listing
My thoughts and more pictures of the Crack the Whip sculpture
Posted in Cemetery of the Week
Tagged Michigan cemetery, sculpture, statuary, Sunset Hills
Weekly Photo Challenge: Summer
Detail of the Crack the Whip sculpture
To me, summertime means time to explore cemeteries. One of the first graveyards I fell in love with was Sunset Hills in Flint, Michigan. It's a lovely combination of lawn cemetery (with monuments lying flush with the sod) and garden cemetery, full of lush old trees. The element that first set Sunset Hills apart for me was the Crack the Whip sculpture by J. Seward Johnson.
Here's a view of the sculpture set in its landscape. It was kind of shocking the first time I came upon it. From a distance, it looks for all the world like a gang of kids playing in the graveyard.
We used to play Crack the Whip all the time when I was a kid (although never in the graveyard). Everyone joins hands and the largest kid runs, dragging the line behind her. The goal is to twist and turn and tangle the line up, snapping the little kids on the end so fast that they lose their feet or their grip and go tumbling away from the rest of the line. It can be dangerous. Parents probably don't encourage their kids to play it these days, even though it was immensely satisfying to hang on, no matter what.
Johnson's sculpture has such wonderful detail that there's even a bronze sandal lying in the grass where it's fallen from one girl's foot. The children strain with the effort of keeping together. They sway and bend, balancing against each other, almost but not quite toppling over. It's a masterwork, an amazing, complicated piece. Sunset Hills' website says the eight children are celebrating life.
Cemetery of the Week #62: Sunset Hills Cemetery, Flint, Michigan
Tagged cemetery photographs, Michigan cemetery, photo of the week, postaday, postaweek2012, sculpture, statuary, Sunset Hills
Cemetery of the Week #90: Braddocks Point Cemetery
Most Beautiful Cemeteries
Cemetery of the Week #2: Highgate Cemetery


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Latinvex Names Covington a Top International Law Firm in Latin America
WASHINGTON, DC, August 25, 2014 — Covington & Burling has been named to Latinvex's "Legal 50," a list of top international law firms doing work in Latin America. The firm ranked seventh among the top 15 firms doing international arbitration work in Latin America and 27th overall.
Latinvex evaluated more than 100 international law firms and selected the top 50 based on a combination of factors, including value, prominence and scope of work, references among clients, size of Latin America practice and presence in Latin America.
Covington's Latin America practice handles complex assignments ranging from arbitration and litigation, to private equity investments in emerging companies, mergers and acquisitions, regulatory and commercial issues, investigations and sanctions compliance, tax, and intellectual property concerns. The practice has been directly involved in significant matters throughout the region, spanning across the oil and gas, energy, telecommunications, insurance, pharmaceutical, chemicals, consumer goods, construction, and financial institutions industries.
Latinvex, based in Miami, Fla., focuses on Latin American business, legal and technology news.


At some point in time, you have to move on and do with what you got! You can't wait for ever! When you only have lemons, you have to forgot about the fruit juice and just make lemonade.
Once upon a time (about five years ago), I was really excited about the Millennium Village Project. It held out the promise that we could end extreme poverty by 2015. The project has done well but it has not scaled up to really end extreme poverty.
The Millennium Villages Project was launched at scale in 2006 and now reaches nearly half a million people across ten countries.The goal is to show how an integrated approach to community-level development can translate the international MDG agreements into ground-level breakthroughs throughout rural sub-Saharan Africa.
There is no Millennium Village in Congo, a country of over 64 million people. That's about 38 million Congolese living in extreme poverty.
We will continue to make lemonade.
Over the last decade, the world has changed dramatically. The world is not what it used to be.
Congo has changed in some ways. I have seen the introduction of mobile phones and laptops. These two tools have allowed the Bulape Hospital to stay close.
Congo has NOT changed in other ways. The job is not done and far from it. Maternal mortality and child mortality is still a big problem. Safe and clean water sources is still a problem. Malaria is still a problem.
Experts do not expect Congo to meet the Millennium Development Goals established about 10 years ago.


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TURKOFAMERICA Selects 40 Influential Turkish-Americans Under 40 Years Old
TURKOFAMERICA Magazine will select 40 Turkish-American under 40 years old. The 40 Under 40 is a measure of power and influence. The 40 Under 40 draws a team of TURKOFAMERICA reporters, writers, editors and advisors. Each person picks an industry or area of focus, then they go hunting: talking to experts, digging up documents, interviewing key sources. Please click the link send us your candidates.
40 Under 40 > Frequently Asked Questions
What is TURKOFAMERICA's 40 Under 40?
First time ever the annual list of 40 people who have achieved success in business, professional life, sports, arts, culture, social activism, non-profit organization and community work, before turning 40.
When will TURKOFAMERICA's publish the next class of 40 Under 40?
The 40 Under 40 winners are announced in January.
When do nominations begin?
Nominations open in November of the preceding year. The deadline for submissions is in end of December.
What are the qualifications for 40 Under 40?
First and foremost, we are looking for professional success. We also are interested in knowing about community service, as well as participation in trade groups, etc. Those chosen must be no older than 39 on the nomination's process and must live in the United States.
How can I nominate someone for 40 Under 40?
Nominations must be submitted online or by email to This email address is being protected from spambots. You need JavaScript enabled to view it.
Can I just call you or send you an e-mail with the name of the person I'd like to nominate?
No. We need to have the form filled out, including contact information for the person you are nominating.
I want to nominate someone, but can I remain anonymous?
No, we need to know who you are, though we do not share nominator information with any third parties.
I want to nominate my boss, but would it be better if someone higher up nominated him? Can I nominate a family member?
You can nominate yourself, a client, a family member, your boss, an employee or an acquaintance. The most important thing is that you state a clear, business-oriented reason for the nomination.
Does it help if many people nominate the same person?
No. In fact, it sends a negative impression if there is evidence of an organized campaign to send many nominations.
Will more than one nominee from the same company be accepted?
You can nominate multiple executives from one company, but only one will be chosen. However, multiple candidates from separate divisions of large conglomerates could be chosen.
I would like to nominate someone, but they will turn 40 before your publication date. Can I still nominate that person?
Yes. We verify birth dates of finalists.
After we receive a nomination, TURKOFAMERICA team examines the nominees and submit lists to jurors. Candidates will be chosen by the jurors who are among respected Turkish-American businessmen, professionals, academician, community leaders and role models.
What is required of those who are selected?
Candidates who are selected must make themselves available for an in-person interview with a reporter. They are also required to come to TURKOFAMERICA's midtown office for a photo shoot and a video interview that will be posted on turkofamerica.com.
Can I contact you to see how my nominee is doing in the judging process?
No. We don't give status reports. If we need any further information, we will contact you. Please be patient.
I want to be picked for 40 Under 40. Will it help to hire a public relations firm?
No. Publicists often submit candidates, but they do not influence the judging.
I was not picked for 40 Under 40. Can you tell me why?
With hundreds of candidates and only 40 slots, the majority of hopefuls will not be chosen. We cannot explain why you weren't picked because it won't be for any one reason, but for reasons that have to do with presenting a diverse range of professions and industries.
Source: The criteria is taken from Crain's Magazine.
TURKOFAMERICA Selects 40 Under 40 Turkish-Americans
More in this category: « Prince Cengiz Nazim's Funeral Will be Held On Monday, November 23rd Turkish Couple Runs The Largest Christmas Gifts Store in New York »


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Night Contact
On Friday 27th September, as darkness begins to fall, indoor and outdoor projections will pop up across a range of venues in Dalston, East London, beaming out inspiring artworks for one night only.
Supporting and promoting contemporary image making, Night Contact aims to bring together exciting and innovative photographic works that provoke or engage in conversations with other media, such as film, music and literature. All of the works will embrace the projection format, through experimental edits, collaborations with other artists, and the use of sound, narrative, movement, colour and rhythm.
Centred around Gillett Square, a specially installed bank of screens will show site-specific commissioned and curated work. There will be stalls, music, food and drink, with vouchers offering deals at local bars and eateries. Beyond the main square, the festival will break out into a trail of six satelllite venues, taking over the streets of Dalston across outdoor spaces, bars and music venues, each showing a programmed screening.
The majority of the work we show will come from open submissions; these will be accompanied by a curated programme to ensure a varied, engaging and inspiring final line-up.
Three £1,000 grants are available for the production of collaborative works, in addition to an open call out for submissions. Submit your work here.
Photoworks Acting Director, Celia Davies, will be judging the existing work category alongside Aaron Schuman, Carmen Salas and Ravi Amaratunga.
Night Contact is produced by Contact Editions with the support of the Arts Council England.


We recently met up with Jingyi Zhang and Patrick Wirt – the owners of Corbel3D, to discuss some possible collaboration for the Galactic Battles project. I have to say, they have a pretty sweet setup over there!
For those not already familiar, Corbel3D is a Vancouver-based 3D printing and scanning company that has the only 3D printer that has the ability to print in more than 390,000 color combinations. What? A printer that can literally PRINT OUT a full-colored piece? We just had to see this for ourselves!Fred and I dropped by this Saturday afternoon and took a look at the facilities to check out how we could make this work together for Galactic Battles. I had also heard about a service called "Mini-Me", which takes a full 3D scan of you, and prints it out on a 5 or 6″ full-colored figure!What's really coincidental is that, located on the Corbel3D main website, is a slider that has Kevin Hickman in full armor in a scanning booth. Since we're modeling him for the project, a scanned 3D model of him would be extremely useful, and Corbel3D was able to provide us a super-high detailed bust model for our reference.
We took a look at the setup they had, and I must say that we were very impressed. They had 2 scanning booths (one was just being set up). The new rig, which will be available in about a week or so, will host 128 DSLR cameras for an insanely accurate and INSTANT 3D scan! The guys at Corbel3D invited us back once the new rig is complete, so that we could bring Kevin in for a full body scan for the Galactic Battles Project.We've decided to scan the Master Chief in with Corbel's scanning technology to either use as amazing reference, or to actually be able to use the scanned model itself as an asset in the film. This would not only speed up production, but it would also give us an extremely accurate 3D representation of our actor model to be used as a body double in some of the full CG shots we will be working on.
An idea came up to partner with Corbel3D so that we can offer some really cool perks for the upcoming IndieGoGo Funding Campaign that we are about to launch. Mark Meer has agreed to do a full scan in his N7 armor, which may end up making a really cool perk for anyone donating a certain amount to the Campaign. I mean, who wouldn't want a 6″ 3D printed statue of Master Chief and Commander Shepard standing back-to-back sitting on their desk at work?For anyone in the market for anything 3D printed or scanned, I would highly recommend checking these guys out. Looking to print out a personal figurine of yourself? Want a 3D family portrait? Or even a 3D copy of your pet? Check out their Mini-Me service!


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August 15, 2018 | By Michelle Brubaker
Parental Life Span Predicts Daughters Living to 90 without Chronic Disease or Disability
Results show a 25 percent increased likelihood of living longer and healthier if mom lived to age 90 and a 38 percent increase if both parents did
Researchers at the University of California San Diego School of Medicine report that women whose mothers lived to at least age 90 were more likely to also live to 90, free of serious diseases and disabilities.
The study, published in Age and Ageing, found women whose mothers lived into their ninth decade enjoyed 25 percent increased likelihood of also doing so without suffering from serious or chronic illness, including heart disease, stroke, diabetes, cancer, hip fractures or other debilitating disabilities.
"Achieving healthy aging has become a critical public health priority in light of the rapidly growing aging population in the United States. Our results show that, not only did these women live to age 90, but they also aged well by avoiding major diseases and disabilities," said first author Aladdin Shadyab, PhD, a postdoctoral fellow in the Department of Family Medicine and Public Health at UC San Diego School of Medicine at the time of the study. "It's not just about the number of candles on the cake. These women were independent and could do daily activities like bathing, walking, climbing a flight of stairs or participating in hobbies they love, like golf, without limitations."
Interestingly, the study also found that if only the father lived to 90, it did not correlate to increased longevity and health in daughters. However, if both the mother and father lived to 90, the likelihood of the daughter achieving longevity and healthy aging jumped to 38 percent.
The study did not address parental life span effects on sons. Rather, it analyzed data from approximately 22,000 postmenopausal women participating in the Women's Health Initiative, a large, national study investigating major risk factors for chronic diseases among women. Limitations included no knowledge of the health or cause of death of the participants' parents.
Shadyab and colleagues believe a combination of genetics, environment and behaviors passed to subsequent generations may influence aging outcomes among offspring.
"We now have evidence that how long our parents live may predict our long-term outcomes, including whether we will age well, but we need further studies to explore why. We need to clarify how certain factors and behaviors interact with genes to influence aging outcomes," Shadyab said.
At baseline, the women in the study whose mothers lived to at least 90 were more likely to be college graduates, married with high incomes and incorporated physical activity and a healthy diet into their lives.
"Although we cannot determine our genes, our study shows the importance of passing on healthy behaviors to our children," said Shadyab. "Certain lifestyle choices can determine healthy aging from generation to generation."
Co-authors include: Andrea LaCroix, University of California San Diego School of Medicine; JoAnn Manson, Brigham and Women's Hospital and Harvard Medical School; Wenjun Li, University of Massachusetts; Margery Gass, North American Menopause Society; Robert Brunner, University of Nevada School of Medicine; Michelle Naughton, The Ohio State University; Brad Cannell, University of North Texas Health Science Center; and Barbara Howard, MedStar Health Research Institute and Georgetown-Howard Universities.
Funding for this research came, in part, from the National Institutes of Health and the United States Department of Health and Human Services (HHSN268201100046C, HHSN268201100001C, HHSN268201100002C, HHSN268201100003C, HHSN268201100004C, HHSN271201100004C).
Michelle Brubaker, 858-249-0456, .(JavaScript must be enabled to view this email address)
Michelle Brubaker


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Understanding Masculinities: International Men and Gender Equality Survey (IMAGES) - Jordan
Date: Wednesday, 7 December 2022
The study surveyed 2,400 Jordanian men and women aged 18-59, from 12 governorates across Jordan, as well as 512 Syrian men and women living in Amman, Zarqa, Irbid and Mafraq. The research also includes a qualitative component that involved 110 men and women who participated in 12 focus group discussions and 17 in-depth interviews.
COVID-19 and women's rights organizations: Bridging response gaps and demanding a more just future
This brief provides evidence of the different ways in which women's rights organizations have been affected by the COVID-19 pandemic, highlighting the predicament that many of them face of increased relevance and demand at the same time as civic closure, restrictive work conditions, and diminishing funding.
WPHF Newsletter | Lebanon
Date: Wednesday, 29 September 2021
This newsletter captures the latest updates on the implementation of the Women's Peace and Humanitarian Fund (WPHF) in Lebanon. The newsletter includes the key highlights and achievements of the WPHF programme partners' towards enhancing women's participation in the Beirut Port Explosion's response and recovery process.
Policy brief: The impact of COVID-19 on women
Across every sphere, from health to the economy, security to social protection, the impacts of COVID-19 are exacerbated for women and girls simply by virtue of their sex. This policy brief explores how women and girls' lives are changing in the face of COVID-19, and outlines suggested priority measures to accompany both the immediate response and longer-term recovery efforts.
Equality in law for women and girls by 2030: A multistakeholder strategy for accelerated action
Globally, more than 2.5 billion women and girls are affected by discriminatory laws and the lack of legal protections. This policy strategy seeks to fast track the repeal of discriminatory laws in 100 countries between 2019 and 2023, focusing on six thematic areas, and will address the legal needs of more than 50 million women and girls.


Hello. I've been inspired by the many financial/budgeting blogs I've read but never got down to blogging about financial stuffs on my own. I've owned blogs since I was 12-13 and still kept some of them (although most of it are collecting dusts) but I've decided to open a new blog just to document my financial journey.
Engaged to a really nice boy so I guess I'll document my future wedding and house-hunting journeys!
Hi Cherry! Welcome to your first blog relating to your financial freedom journey.
Since you have stated sgd 100k as a savings goal, my guess is that you have a few more years to go before reaching that age? From your first 2 months budget tracking, I dare say you are frugal which is impressive to me (a late 80s boy).
Thank you for your sharing! Ah, I'm able to save because of my bf's expenses on me LOL, so it's nothing much to shout about hehe.
All the best to you in your financial freedom journey too!
I am sure you are not that bad as a future wife. Don't think you will want to deplete him also lah :P Joke aside, being a good saver is also part of being financially savvy!
Thank you very much for the encouragement! Let us do our best and enjoy the process here, instead of depriving ourselves some enjoyment.
It's great that you are saving with certain goals.
Wow Cherry, your goals are clear cut and nicely put out. I only muddled along until 28 before I gave everything a serious thought. Good to see that you are starting so early. You are at least 5 years younger than me. Envy!
Hello again! Well, goals are one thing. Have never been someone who fulfils my new year resolutions cause I'm too lazy. But I sure hope I'll reach those milestones I set for myself soon!
Anyway, it's not too late since you're still young now too! Let's jiayou together!
Just came across your blog. 100k by 28 is possible. I set it for myself a few years back and just recently hit it. Yes I'm 28 this year. So it can be done. I've been blogging for 3 years now at my blog SG Young Investment. Blogging will allow you to experience many different things in life. Keep it up!
100k cash in bank or include cpf?


When this post goes live I'll hopefully be preparing for breakfast in Paris. When I booked the flight at the end of October, there were no protests there yet. Myself, I am not concerned for my safety as I am not planning to seek out any places that smell of danger and imminent escalation. My Mum, however, made remarks along the lines of "Who in their right mind visits Paris these days?!" as I knew she would. I am an only child and for as long as I can remember, my parents have been worried about me...and I have been doing exactly what they did not want me to. Mum does not want me to drive a scooter? Just pester Dad long enough until he caves. Parents implore you not to visit Northern Ireland (back then, still a rather tumultuous place) during my Erasmus year in Dublin: just say "yay, yay" and then go there anyway. Same with some holiday destinations, such as a planned visit to South Korea a few years ago when - pre Trump, but still - there was considerable tension because of heated rhetoric regarding nuclear strikes. Do I need to mention that I did not cancel my trip?
So. Now Paris. Parents not that happy. Daughter going there anyway.