The purpose of the project was the development of a "scorecard" or "blueprint" that could be used to improve the assessment of the effectiveness of academic outreach programs. The scorecard identifies the critical elements necessary for program effectiveness and meets methodological muster. In other words it meets both academic/researcher needs yet still meets the applied needs of funders, policy-makers, and practitioners. It adds information to the scholarly debate about academic outreach and college preparation while at the same time serves as a generic evaluative tool for all who want to verify the value or increase the impact of these programs.
1.	Meaningful family involvement is critical to enabling students to get into a college or university.
2.	Social activities are irrelevant to enabling students to get into a college or university.
3.	Access to a college preparation curriculum is the critical variable for enabling students to get into a college or university.
4.	College preparation programs need to begin no later than the 9th grade and have structured activities throughout the year in order to enable students to get into a college or university.
5.	Having knowledgeable, available counselors that are at the core of the program is critical to enabling students to get into a college or university.
6.	Mentoring is a helpful, but not critical, component for enabling students to get into a college or university.
7.	Peer groups are a helpful, but not critical, component for enabling students to get into a college or university.
8.	It is helpful, but not essential, for college preparation programs to emphasize the culture of the student in order to enable students to get into a college or university.
9.	There is a positive relationship between the cost of program delivery and enabling students to get into a college or university.
By using these propositions and a largely qualitative approach to the work, the "richness of the tale", not just numerical outcomes, emerge and with it, greater insight into the lives of the students and these programs.
The project focused on the University of California's Mathematics, Engineering, Science Achievement (MESA) program that for the last 40 years has helped to prepare underserved poor and minority students for academic and professional careers in math and science-based fields. It is a national K-16 model that has been replicated in at least a dozen other states in the US. While it has been cited numerous times for its success, e.g. as a winner of the Presidential Award for Excellence in Mathematics and Science Teaching and the Kennedy School/Ford Foundation's Innovations in American Government award, it had not previously been the subject of an externally-funded (U.S. Department of Education) evaluative study.
The results proved to be instructive formatively for MESA and the rubric based on the project is broadly applicable to other programs.
keywords: stem, evaluation, self assessment rubric, academic outreach.
O. Porter, D. Bell (2010) IMPROVING ACCESS: DETERMINING THE EFFECTIVE PARAMETERS OF ACADEMIC OUTREACH PROGRAMS IN STEM EDUCATION, INTED2010 Proceedings, pp. 2468-2476.


Creating a high-quality mesh is one of the most critical factors that must be considered to ensure simulation accuracy. It is important to note that there are significant distinctions between meshes created for two of the most common simulation areas—computational fluid dynamics (CFD) and finite element analysis (FEA). This article will provide some quick tips for improving your mesh quality and hence increasing the quality of results for simulations carried out with the SimScale cloud-based platform.
Meshing on SimScale is done with snappyHexMesh—a mesh generator that "builds" meshes iteratively on your geometry. As mentioned by the OpenFOAM wiki, "snappyHexMesh is more of a mesh sculptor than a generator, because it requires an already existing base mesh to work with".
Of the four meshing methods, the hex-based meshers are only for use in CFD, while the tet-dominant method can be applied to both CFD and FEA. The tet-dominant method is typically used in 3D meshes where the robustness is more important. Although quadrangular surface elements are an option, sometimes errors may occur if the option is enabled.
The remaining three hex methods, as you can guess, are only used for CFD meshes. Both of these automatic hex methods provide a simple and effective way to quickly create a mesh that can be easily adjusted for fineness depending on the usage of external or internal flow. However, in order to achieve the quality level that most accurate simulations require, the highly customizable hex-dominant parametric is the preferred option.
Although generally valid for mesh generation, the tips below will particularly apply to the hex-dominant parametric method.
As a good mesh is the basis of a CFD or an FEA simulation, it is important to understand exactly why ensuring its accuracy and quality is critical.
A common question is: "If I want a better mesh quality, can't I just increase the fineness level to as high as possible?" While increasing the fineness will typically yield a higher quality mesh, the computational cost will significantly increase as well. A high-quality mesh also means that there is an optimal balance between the computational cost and the level of fineness achieved.
A low-quality mesh will not only result in inaccurate simulation results but might even cause the solver to produce an error due to instability. Such instability is typically caused by poor-quality or illegal cells. This is something you want to avoid as much as possible. Likewise, while a mesh may contain millions of nodes, that fact alone does not necessarily equate to quality. Such quirks in meshes are case-specific and will not be covered in this article.
That being said, let's cut to the chase. Here are five tips on how to create a better mesh and ensure the accuracy of your simulation results.
Ensuring a well-defined, simplified, clean and critically watertight geometry will often be the difference between a successful high-quality mesh or a poor, illegal, cell-filled one. Geometries should be solid and have no abnormal features such as intersections or sharp outcroppings. A clean geometry dictates that it is enclosed and is free from geometrical defects. The creation of a watertight geometry will allow the solver to differentiate between different domains of flow, which is very important, especially for external flow simulations. This can be checked natively on SimScale.
A Case of a Poor and Overly Complex Geometry. Notice the Highlighted Area Showing the Intersection of Parts.
In general, maintaining the skewness ratio of the cell is key to accuracy and quality. For complex geometries, maintaining the skewness ratio of every cell may be difficult, if not impossible, it is best practice to ensure that it is closely adhered to. Different cases require and dictate different skewness ratios, but for general usage, a strong cell distortion is often an indication that the skewness ratio of the cell is too large and further refinement is needed. Notice the figure below: while this is a tetrahedral mesh, you can easily see which one is of a lower quality.
For the hex-parametric meshing method, maintaining an overall grid size that keeps the skewness ratio low is a simple but effective way to increase the accuracy. This can be done by first selecting the intended cell size via literature or referenced works before the domain distance is calculated and divided by the number of cells.
For example, if the user requires a cell size of 0.5m for a 10 by 10 by 10 m domain, the user then needs to take the length of each domain, divide that by the cell size and then input the results into the mesh operations tab shown below for all lengths in order to maintain the skewness at 1—which is ideal.
This tip ties into the balance between computational cost and mesh fineness. Say you have a specific general cell size to maintain, but you require additional accuracy near critical parts that, if adjusted through overall cell size, would be much too computationally expensive to simulate. A way to get around this would be to designate the area at or around the critical part with a higher refinement in that particular region. This effectively decreases the cell size of only the target area but does not increase the computational cost dramatically.
This method can be applied to further increase the accuracy of the simulations that have not opted to do so and is often used in applications like wake prediction or vortex generation. To perform this with SimScale, a geometrical box needs to be created first and then a region refinement applied to that geometrical box.
Boundary layer refinement or inflation is a critical meshing parameter that is sometimes overlooked by those who are new to CFD simulations. While effectively increasing accuracy near the internal or external surface of the geometry, the boundary layer refinement also, more critically maintains the dimensionless wall distance value or Y+ for the chosen turbulence model in order to increase accuracy. Y+ is a key factor that ties in directly with the turbulence model used. For example, using the k-w SST model often dictates a Y+ of less than 1 in order for the mesh to capture the wall effects.
Numerous websites provide a simple calculator that will allow the determination of the smallest layer near the geometry for a given Y+ value. Such websites include Pointwise and cfd-online, with Pointwise providing a phone application that can be downloaded to calculate Y+.
The final tip concerns optimizing and determining the ideal mesh to be used for further simulations. A mesh convergence study dictates that a general mesh is created for the problem case, a simulation is run, and the results are obtained. Afterward, the process is repeated with a continuous increase in mesh fineness. The steps are repeated with ever-increasing mesh fineness until the results obtained deviate to a range of less than 1% to 5% depending on criteria.
Once the results have deviated within the required criteria, the coarsest mesh produced that is still within the criteria is deemed the base mesh and, as such, the results obtained are then as accurate as possible for the given mesh.
A proper mesh convergence study will not only ensure that your mesh is as accurate as possible, but that is also optimal. This means you are balancing computational time with accuracy, which is crucial when it comes to large and complex meshes.
With these five quick tips and a better understanding of SimScale's meshing options, as well as insights into why mesh quality is so important, your meshes should have a considerable increase in quality and accuracy. This not only leads to better convergence, but also more accurate results from your simulations. While this article does not cover all the criteria that need to be considered for a highly qualitative and accurate mesh, I hope it helped you gain some valuable insight into such a critical part of the simulation.
If you'd like to read more about meshing, you mind find this article interesting: Tips for Meshing Your CAD Model for Structural Analysis.
Piqued your interest? Discover the benefits of cloud-based simulation by creating a free account on the SimScale platform, no credit card required.
T. V. Hooff, B. Blocken and Y. Tominaga, "On the accuracy of CFD simulations of cross-ventilation flows for a generic isolated building: Comparision of RANS, LES and experiments," Building and Environment, p. 18, 13 December 2016.


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- Add the insert methods of Foods and call them in the client
- Remove insecure and add methods for BMIinfos and call it from the client
- Publish and subscribe the foods' record
- Remove autopublish and add publish in the server and subscribe in the client
- Add food recommendations according to the different BMI
- FindOne the newest BMI info and provide the food suggestions according to the different BMI

# Version 0.1.1 (2015-12-4)

- Add foods' healthy algorithms and render it in the BMI info page
- Add all the infos for the initial 8 foods
- Upload the sample images of foods in the public folder
- Change healthygeeks to BMIInfos in mongodb
- Set first user isBinxia

# Version 0.1.0 (2015-11-23)

- Add navigation for registration and login
- Customize the user accounts' UI
- Add iron:router
- Restructure the files in my app

# Version 0.0.2 (2015-11-5)

- Add accounts-password accounts-ui
- Add new date() to the BIM infos and render them in the descending order
- Add Meteor.userId() to the createdBy field
- Only loged in user can see their own BIM infos and only loged in user can be saved in mongoDB

# Version 0.0.1 (2015-10-23)

- Add BIM form and store bim infos in mongoDB
- Add food form and store foods infos in mongoDB
- Get BIM infos from mongoDB and render them in the client
- Get foods infos from mongoDB and render them in the client
- Deploy to healthygeek.meteor.com

redpajama_set_name: RedPajamaGithub


A Defendant may think that a successful defence of a Confiscation Order where they are not ordered to pay back more than they have represents the end of confiscation proceedings.
This is not always the case; at any time after a confiscation order has been made the Crown may seek to re-open the proceedings under s22 of the Act, to seek an increase in the amount the defendant was ordered to pay. This is often referred to as an application for "after acquired assets".
In simple terms if a defendant is made subject to an order with a benefit figure that has not been satisfied by the available amount at the time, if the Crown become aware in the future a defendant has acquired additional assets they may apply to increase the order by the value of those assets.
A defendant is made subject to a confiscation with a benefit of £85,000 in 2010, but at the time of the order only has assets totalling £5,000. In 2010 the order is made for the defendant to pay £5,000.
By 2015 the defendant has following release from prison built up a successful business and now owns motor vehicles and a property. The Crown become aware the defendant has now acquired assets and seek to increase the original £5,000 order to take account of the new assets.
There is no time limit on these applications and crucially the fact that newly acquired assets are legitimate does not prevent the Court from making this order.
At Olliers we seek to avoid our clients becoming subject to s22 orders by reducing the benefit figure as much as possible when the confiscation order is made, and if a s22 application arises applying meticulous preparation and expert defence to the making of any new order.
Mr. F was made subject to a confiscation order in 2009; his benefit was found to be £55,000, but at the time his available amount was nil. He was therefore only ordered to pay £1.
In 2013 he became subject to repeated traffic stops by local police who became aware he was driving high value motor vehicles. When the Financial Crime Unit became aware of this they applied under s22 POCA to re-open his case and alleged he now held assets sufficient to pay the entire benefit figure, and that he had "Hidden Assets". Tom Cawley successfully negotiated a settlement of £10,000 ensuring the defendant was not made subject to an order he could not re-pay.


Ashley is a wife, mother, and wellness advocate who is passionate about sharing the many benefits of elderberries. She is a recent winner of the College of Dupage's Pitch Contest -for her business. She is pursuing her Bachelor's Degree in Business Administration. Ashley has set off on a mission to bring safe, healthy, high quality organic products to families across Chicagoland. Her goal is to provide the convenience of wellness to families at an affordable price point. At home, she has two beautiful girls, a husband of 11 years and her fur-baby Marley. In her free time she volunteers at her local elementary school, where she serves as Vice-President of the PTA. For fun, she enjoys traveling with her family and relaxing with a glass of wine.
Our vision is to bring safe, high-quality products to families in the community. Our goal is for every family in the community to have accessible nutrients and to have a way to build their immune systems naturally.
Did you know Elderberry can totally eliminate cold and flu symptoms 'within 48 hours'?


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<?php

namespace WorthyStonyMorning\Helpers;

class ValidatorHelper
{

    public static function htmlValidtor()
    {
        if ($_SERVER["SERVER_PORT"] != "80") {
            $url = $_SERVER["SERVER_NAME"] . ":" . $_SERVER["SERVER_PORT"] . $_SERVER["REQUEST_URI"];
        } else {
            $url = $_SERVER["SERVER_NAME"] . $_SERVER["REQUEST_URI"];
        }

        return "http://validator.w3.org/check?uri=" . $url . "&charset=%28detect+automatically%29&doctype=Inline&group=0";
    }

}


Cannot be connected to SYS 1-5, SORTAINER, SYS MINI classic.
Can be combined with SYS-MINI 1 and 3 TL.
For clear and structured arrangement of small parts and hand-held tools.
Dimensions 265 x 171 x 71 mm.
Festool 203813 MINI-Systainer T-LOC SYS-MINI 1 TL TRA is designed for clear and organised storage of small parts and hand tools. It can be connected to the SYS Mini 1 and 3 TL. It will not be connected to the SYS 1-5, Sortainer and SYS Mini classic.


text:
Eureka Springs Carnegie Public Library
Green Forest Public Schools
KTHS Radio
Linking Our Community
Affordable Arkansas Colleges
The Carroll and Madison Library System makes a number of research databases available for use in the library. Registered library card holders may also use most of these databases from home. Unless otherwise noted, please use your library card number to gain access to these databases.
Many of these databases are made possible by a grant from U.S. Institute of Museum and Library Services to the Arkansas State Library under the provisions of the Library Services and Technology Act. Additional state funds were provided by the Arkansas Department of Education.
If you need assistance using these databases or finding information, please call the Library.
Business Source Elite (Ebscohost)– Provides fulltext articles from more than 1,100 scholarly business journals.
Regional Business News (Ebscohost) – Provides indexing and some fulltext from regional business publications. Arkansas Business is indexed from July 1996 through May 2001.
Education/Jobs and Careers
ERIC (Ebscohost) – The Educational Resource Information Center, with digests, citations and abstracts from almost 1,000 education-related journals.
Professional Development Collection (Ebscohost) – A database of fulltext journal articles of interest to professional educators.
Encyclopedias/Dictionaries
World Book Online - Kids (World Book Online) – An online encyclopedia designed especially for younger students.
World Book Online -Spanish (World Book Online) – A comprehensive Spanish-language reference tool for older students and adults.
World Book Online Reference Center (World Book Online) – An online encyclopedia designed specifically for public libraries.
Funk and Wagnalls New World Encyclopedia (Ebscohost) – A general encyclopedia which covers a variety of subject areas.
Merriam-Webster Dictionary & Thesaurus (Encyclopaedia Britannica) – Comprehensive dictionary and thesaurus of the English language.
Searchasaurus (Ebscohost) provides an easy to use interface for children to search EBSCO Animals, Funk & Wagnalls New World Encyclopedia, and databases that contain articles written for primary grade or middle grade students
AncestryLibrary Edition – Includes census, church, court and immigration records as well as historical maps and many other genealogy resources, from the United States, United Kingdom, Canada and other areas. Available in library only.
HeritageQuest – (Proquest) Includes searchable images of the U.S. Federal Census records, digitized family and local history books, an index to genealogical and history periodicals, and other genealogy resources.
Digital Sanborn Maps - The Sanborn Fire Insurance Maps for the state of Arkansas. Covers the years 1867-1970; not all years are available for all locations. Please call the Library for login and password.
Health Source: Consumer Edition (Ebscohost) – This database provides consumer health information on many health topics including medical sciences, nutrition, childcare, sports medicine and general health.
Health Source: Nursing/Academic Edition (Ebscohost) – This database provides nearly 550 scholarly fulltext journals focusing on many medical disciplines. Health Source: Nursing/Academic Edition also features the Lexi-PAL Drug Guide, which covers 1,300 generic drug patient education sheets with more than 4,700 brand names.
Law/Government/Politics
Arkansas Legal Services – Information and free legal aid on matters of Family, Housing, Public Benefits and Consumer Law. Library card not needed to access site.
Arkansas State Code – Link to Arkansas state law. Library card not needed to access site.
Legal Collection (Ebscohost) – A database of fulltext articles from scholarly journals.
Periodicals Indexes
Academic Search Elite (Ebscohost) – This database provides fulltext articles from over 2,000 scholarly journals, many peer-reviewed, and covers virtually every area of academic study.
MAS Ultra-School Edition (Ebscohost) – Provides fulltext articles from hundreds of popular magazines, as well as pamphlets, reference books, biographies, primary source documents and images, all intended for high school students.
Masterfile Premier (Ebscohost) – A general periodicals database with fulltext information from more than 2,050 publications including magazines, reference books, primary source documents and images.
Middle Search Plus (Ebscohost) – A database of fulltext magazines, biographies, primary source documents and images, all intended for middle school and junior high students.
Newspaper Source (Ebscohost) – A database with selected articles from about 30 national and international newspapers, as well as some regional newspapers, and television and radio transcripts.
Primary Search (Ebscohost) – A database of fulltext magazines intended for elementary school students.
TOPICsearch (Ebscohost) – Provides information about current events which are likely to be discussed in the classroom. Includes more than 1,000 fulltext periodicals.
FirstSearch – Provides access to several databases including Worldcat, which is a catalog of books, videos and other materials owned by libraries across the country.
Gale Discovering Collection – A database of information from Gale Group print publications on topics such as history, literature, geography and cultures, and science.
Kids Search (Ebscohost) - Articles and other reference materials for students in grades K-5.
Student Research Center (Ebscohost) - Articles, primary source documents and other reference materials for researchers in grades 6-12.

redpajama_set_name: RedPajamaCommonCrawl


A smooth concoction of creamy goose foie gras whipped with milk, eggs, delicious Sauternes wine and seasoned with spices. In a party-ready presentation that's designed to feed a crowd, you can serve these with toasted rustic bread or hearty crackers as a sophisticated appetizers. Keep in the refrigerator until use.
Q: -What is the shelf life for this product when it is unopened and refrigerated? -What is the shelf life once it has been opened and cut, still being refrigerated?
A: The shelf life of this product is 8 weeks refrigerated, unopened. Once opened it will last for 10-14 days refrigerated.


این مقاله تقریباً شامل 35703 کلمه می باشد.
In this paper, we investigate the implications of correlation ambiguity for investor behaviors and asset prices. In our model, individuals' decision making incorporates both risk and ambiguity, and we demonstrate that limited participation arises from the rational decision by naïve investors to avoid correlation ambiguity. In equilibrium, the asset with lower quality generates positive excess returns. Comparative static analysis of the equilibrium result suggests that changes in the fraction of naïve investors and ambiguity level can alter equilibrium types and flight to quality phenomenon is observed. However, their impacts on asset prices are non-monotonic.
این مقاله شامل 35703 کلمه می باشد.


text:
LifestylePRO
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Blind Elephant Is Finally Free From The Circus, But Then They See Tears Pouring Down His Face
By Eva Leger
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20. Slave Life
Image: worldwildlife.org
Ploy Thong, a now rescued elephant, has lived most of her life as a slave. Her life has been a hard one and it has taken a tremendous toll on her emotional well-being. You'll be shocked by how many years she was in captivity.
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June New Music Releases: Madonna, Prince, and More
Prince, Originals Due to the volume of work Prince produced and never released, coupled with the late singer's penchant to hold on to his IP,...
Billboard Music Awards 2019 Features Halsey, Taylor Swift, BTS, JoBros, Madonna and More
We're just days away from the Billboard Music Awards, and the show opener was just announced. Taylor Swift and Brendon Urie, hot off their...
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Coachella Valley Music and Arts Festival is 19 years old and is one of the most important and influential festivals in the world. Although...
Game of Thrones Music in Season 8: from Florence Welch to Ramin Djawdi
Music is a big part of HBO's promotional push for the final season of Game of Thrones. The network is releasing new music with...
This Man's Boat Started Sinking With Dogs Onboard, But He Won't Let Any Of Them Drown
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Sports fans in the city of Los Angeles and the states of Minnesota or Michigan are going to love these. Our striped game bib overalls for adults are featured in maroon and gold to make the perfect piece of fan apparel to cheer on your team! They're also great as high school spirit wear for your local schools. Each pair of striped game bib overalls is made of 100 percent cotton for a light, breathable and comfortable fit and features easy-to-adjust shoulder straps for anyone with a longer torso. So whether you're cheering in the high school stands on Fridays or the collegiate stadiums on Saturdays, these maroon & gold striped game bibs are the perfect choice. Stand out in the crowd and shop now! Check out our full selection of maroon & gold fan apparel here!
Ordered Tuesday here by Friday during xmass rush, we are impressed!
My son loved his game bibs. Your team expedited my order very quickly and he was able to have them for the big game. He is the only one to have them at his school.
The only negative is the length. I didn't see other length options other than 32.
The item arrived quickly, despite the Christmas rush.
A fun idea for son the ASU fan - asked a question or two on fit, easily ordered, and BOOM! outrageous maroon and gold bibs for Christmas - Thank You.
Only question will be fit once opened on that big morning. Looks like too, that any needed return no biggie either.
I mistakenly ordered the wrong pair of bibs at first. The order was canceled quickly and I was able to reorder & get the right ones which were received ahead of schedule & just in time for our Redskin-fan son's birthday. He loves them! Thank you.


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Q: DataSet QueryTableAdapter can't return tabular data So this is more of a curiosity question (I have a simple enough work around), but I am wondering why I can not add a query to a QuerytableAdapter in a dataset that will return tabular data.
It allows me to use a query that returns a single value or none at all, but the option to return tabular data is always greyed out.
Now, my work around is pretty simple, I just using a tableAdapter instead, and voila! it works just fine.
I am using Studio 2008 and SQL server 2008 r2
Thanks
EDIT:
I should state that same goes for stored procedures as well.
a guess I have is because tableadapters create a datatable to go along with the adapter.

A: I do honestly hope you're not struggling with this seven years later, but the answer is to add a TableAdapter instead of a Query in the designer. It will still give you the option to run a stored procedure but will return your data in a table.

redpajama_set_name: RedPajamaStackExchange


8 ohm 80's models made in USA. 100 watts continuous/200 watts program. Feature heavy duty 12" speakers, dual driver horns, black tolex covering, speaker stand sockets. These speakers were removed from a church installation and look & sound great! One pair available.


text:
PERSONALITY: Bro. Lawrence Obiko, CMM
da Press Office Admin | Apr 2, 2017 | Background, Personalities | 0 commenti
Brother Lawrence Obiko is the 14th Superior General of the Brothers CMM, a Congregation founded in Tilburg, the Netherlands, in 1844, by Bishop Joannes Zwijsen, who was sometimes called the 'Vincentius of Tilburg'.
Brother Lawrence was born in Bomatara – Kisii, Kenya, on 31 October 1962. He is the fourth son of Mr. Patrick Omwaga Maosa, a supervisor at a coffee plantation and a concierge at a mission school and Mrs. Veronica Bisieri Kinanga, a homemaker and mother of seven children, six boys and one girl, who died shortly after birth. Brother Lawrence's father died in 1993 and his mother is still living in their parental home. His brothers are married and live with their families in Kenya.
After attending St. Joseph's Primary School in Nyabururu and Cardinal Otunga High School in Mosocho, a school founded and managed by the Brothers CMM, Brother Lawrence entered the Congregation in Oyugis in 1987 and made his profession for life in 1995. He studied Agriculture at Baraka Farmers Training College in Molo, Religious Formation at Tumaini Center and Spiritual Direction at Mwangaza Jesuit Training Center, both in Nairobi. This was followed by an ICT study at Strathmore University in Nairobi. He speaks Ekegusii, Swahili, English, Dutch and commands sign language. In his sporadic spare time he enjoys taking up the artist's brush.
Brother Lawrence served the Congregation in Kenya as treasurer, community superior, postulant-master, novice-master and for 12 years as a member of the Provincial Board. As novice-master he was especially instrumental in the establishment of the new noviciate in Sigona, and in Urambo, Tanzania, he supervised the building activities of St. Vincent de Paul Secondary School, where he taught Computer Sciences. In 2008 he was elected member of the General Board and on 5 June 2014 he was elected Superior General. Since 2008 he has been living in Tilburg, the Netherlands, from where he makes canonical visits to his fellow brothers in eight different countries promoting the congregational charism of brotherhood and mercy. Since 2016 he is a member of the Vincentian Family Executive Committee and attended the official opening of the Vincentian Family Office in Philadelphia, U.S.A., on 6 January 2017.


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Alumnus Adam James makes career out of motivational speaking
Adam James grew up in a small town outside of Pittsburgh, with one dream — to become a Major League Baseball player.
A couple decades later, he is not playing baseball. Instead, he is telling others how to make their dreams come true.
James is now pursuing a career as a motivational speaker and said the fuel behind what he does is the desire to make others feel worthy.
"I struggled with that growing up. I didn't always have the support I needed, so I want to be that for someone else," James said.
James graduated from Florida Gulf Coast University in 2012 with a degree in elementary education. During his time as an Eagle, James was involved with Campus Recreation and attributed a lot of his growth and development to his experience working for the department.
Post-graduation, James spent a few months teaching and realized that the classroom was not where he wanted to be.
The journey of a self-employed motivational speaker has been anything but easy for James.
"I can't pinpoint just one thing that has been difficult throughout all of this," he said. "Not knowing how to make ends meet, constantly hearing, 'No, we're not interested,' people hanging up on me and my family and friends, thinking this isn't what I'm supposed to be doing…just to name a few."
Through all the hardships James is presented with, he chooses to take some of his own guidance and continues to move toward his ultimate goal.
In his signature speech, "Sights, Sounds and Success", James speaks about taking action and changing our perspectives on everyday life.
"When people think about motivational speakers, they think about the people who are life changers that get you solutions," he said. "That's the last part of how I view myself. The information I give is stuff that you and I all know, but I present it in a way that makes people want to take action."
Now, James finds himself back in the classroom but with a different job title and a new perspective.
He is traveling from school to school delivering his speeches to high school and college-aged students.
James has been a guest speaker at Gulf Coast Town Center, Collier County schools, Duke University, and most recently, the University of North Carolina.
James had his debut speech at FGCU and also participated in the TED Talk event held in March.
Ultimately, James would like to see his passion grow into a well- established career that allows him to give speeches at universities across the country.
"I'd also like to see it grow to the point where one day I have other speakers working with me, or even for me, delivering their speeches," he said.
In James' speech, he defines what it means to be successful and chase your dreams while acting as a representative of his own advice.
"Being successful means chasing down your dream until you can chase it no longer," he said. "The things we see, the things we hear and how we respond to those things make all the difference in our ability to achieve our dream."
adam james
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CHRISTOPHER J BIXLER offers health care services in Rice Lake, Wisconsin as a/an Addiction Medicine professional. CHRISTOPHER J BIXLER holds the title MD but may offer additional health care support, depending on their availability and your particular needs.
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text:
Clinton and Trump: A tale of two foundations
This portrait was bought with Trump Foundation money, yet it hangs in Trump's Doral Resort in Miami.
One of the many differences between the two presidential candidates this election year is in the foundations that bear their names. One is a charity that has saved millions of lives around the world. The other is basically a scam that uses funds donated for charity as a personal piggy bank for the man whose name is attached.
The Clinton Foundation gets an "A" rating from Charity Watch and a four-star rating from Charity Navigator. It has helped 11.5 million people around the world receive reduced-price HIV/AIDS drugs. It consists of 11 nonprofit groups that work on four major issues: global health and wellness, climate change, economic development, and improving opportunities for girls and women.
Yet a baseless story from the Associated Press — now not even online anymore because of its inaccuracies — about supposed special access for Clinton Foundation donors who met with Hillary Clinton when she was secretary of state kept the foundation in the headlines for weeks, delivering negative publicity and feeding into the media's favorite "If it's Hillary Clinton, it must be untrustworthy" meme.
The reporting on the Clinton Foundation has been so awful that when people answered questions in a UCLA survey about what the charity does, the answers ranged from booking speeches for the Clintons to handling the family's money. Both of which are not even close to being true. From the story in The New York Times:
Among people who thought they could answer a question about what the foundation does, more than half (56 percent) think that setting up speaking engagements for the Clintons is one of its activities. This answer was chosen more than any other, including the charitable activities the foundation actually is engaged in, like combating AIDS in Africa (47 percent chose this answer), providing schoolchildren with healthful food choices (29 percent), and helping girls and women through education and training (43 percent). Although some money from the Clintons' speeches ends up at the charity (and the Clintons may speak on behalf of the charity), booking speeches is not a central activity of the Clinton Foundation.
More surprising, 39 percent of registered voters think the Clinton Foundation manages the personal finances of the Clinton family, and 40 percent also think the foundation gives money to Democratic candidates. (It does neither of these things.)
American journalism is not at its finest in this election. Except, perhaps, from David Fahrenthold of the Washington Post.
So now let's look at the Trump Foundation, which keeps its records so secret that it doesn't have a website and obviously can't match the good works of the Clinton Foundation. Trump and his surrogates repeatedly brag that he has given millions to charity out of his own pocket. Yet the Pulitzer Prize-worthy reporting from Washington Post reporter Fahrenthold, who has been digging into the Trump Foundation since February, shows that the foundation's supposed donations to charity barely exist. Fahrenthold contacted 250 charities (he's now up to 346) with ties to Trump since 2008 and found only one that received money from the Orange Menace.
Instead, the Trump Foundation has given money in the form of a campaign donation to the Florida attorney general. Miraculously, after Attorney General Pam Bondi received the donation, she dropped the investigation of Trump University. Another Fahrenthold story explains how that worked, including the fact that Trump had to pay the IRS a penalty for the illegal donation to Bondi's campaign. (A similar situation occurred in Texas, when Trump donated money to the Texas attorney general's campaign, but that money came from his own pocket.)
What else does the Trump Foundation do? It took over a quarter-million dollars from money donated by others for charitable purposes and used it to settle lawsuits facing Trump's for-profit businesses. Another Farhenthold story gives the details. It's a practice known as "self-dealing," and, in case you were wondering, yes, that's illegal. (And don't forget the foundation money that was used to purchase a signed football helmet from Tim Tebow and paintings of the would-be narcissist-in-chief himself.) From the Post story:
More broadly, these cases also provide new evidence that Trump ran his charity in a way that may have violated U.S. tax law and gone against the moral conventions of philanthropy.
"I represent 700 nonprofits a year, and I've never encountered anything so brazen," said Jeffrey Tenenbaum, who advises charities at the Venable law firm in Washington. After The Washington Post described the details of these Trump Foundation gifts, Tenenbaum described them as "really shocking."
"If he's using other people's money — run through his foundation — to satisfy his personal obligations, then that's about as blatant an example of self-dealing [as] I've seen in awhile," Tenenbaum said.
Several charity law experts told Talking Points Memo that Trump's egregious use of foundation funds "are obvious violations of the law and even have the potential of getting the Trump Foundation shut down," a TPM story said.
The tax implications are two-fold, according to experts. The charity itself benefits from a tax-exempt status, and those who contribute also get to deduct their donations from their taxes.
Private foundations — which rely on large contributions from a few donors — are bound by strict regulations so they do not become devices that wealthy people use to avoid paying taxes, the experts said. Beyond a reasonable salary for the work he or she does for the charity, a disqualified person cannot participate in any sort of financial transaction, charity law attorneys told TPM.
"Self-dealing is prohibited, and the kind of self-dealing with the Trump Foundation is somewhat remarkable in its breadth," said Jim Fishman, a professor at The Elisabeth Haub School of Law at Pace University in New York, who teaches courses on nonprofit law.
The Trump campaign is claiming that Fahrenthold's excellent stories have been "inaccurate," although they have not been able to point to any details that were wrong. Trump was asked by a reporter in Ohio about the Foundation's financial shenanigans, and Trump gave a word-salad answer worthy of Sarah Palin:
"The foundation is really rare. It gives money to vets. It's really been doing a good job. We put that to sleep just by putting out the last report."
Of course, a lot of questions about charitable donations could be answered if Trump would only release his taxes. Guess this is just one more reason why those taxes are still under wraps.
Category: Uncategorized Tags: 2016 election, Clinton Foundation, Donald Trump, Hillary Clinton, media, presidential elections, Trump Foundation
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Mollie Morning Star is one of the most recommended, experienced and reviewed mediums in the USA for a very good reason. She consistently delivers evidence from deceased loved ones that proves beyond any doubt, they are still "alive" spiritually and are aware of your life situation. Loving messages can be comforting to hear from a medium, but it is the evidence, facts and irrefutable validations that bring healing, relief, peace of mind and ultimately, a better life for those left behind. That is what Mollie delivers, time and time again.
Mollie is a strongly gifted, evidential medium that honed her abilities at the Arthur Findlay College in England. Readings are focused to prove to you that our souls survive the change called death and provide an opportunity to reconnect with those you love. Having conducted thousands of sessions, she is highly experienced in assisting the newly and deeply bereaved with a long history of successful, healing connections.
Mollie's work is completely dedicated to assist the bereaved in finding hope and healing after loss, therefore, only offers sessions connecting to loved ones in Spirit. A session with Mollie will be a direct, healing connection with deceased loved ones. This specifically does not include any information about past lives, spirit guides, ascended masters, aliens, psychic predictions, ghosts, chakras, negativity, etc...and all of the other strange topics that cause potential clients to worry when booking with a new medium. A session with Mollie is to heal your grief and get back to the important business of living your life with a peaceful heart.
Group events are suitable for those wishing to experience mediumship even if they are not currently dealing with grief. Private sittings are available over the phone, by Skype/FaceTime video call, enabling clients worldwide to receive a healing connection through Mollie.
High Priority Sessions are available for scheduling within a few days to those who have never experienced a mediumship connection before and are newly bereaved. Details on the "Appointments" page of our website.
Please refer to her website for a full list of upcoming events, and travel dates. Mollie travels extensively throughout the US to provide group events that teach the average person how to recognize the connection and provide audience readings.
Information can be found on the "APPOINTMENTS" page of our website regarding personal readings.
Professional, experienced, accurate psychic medium readings located near Chicago, Illinois. Spiritual grief support for bereaved parents, bereaved spouses and suicide survivors.
New cities are always being added.
ALL EVENTS SELL OUT IN ADVANCE.
Please "like" -"Psychic Medium Mollie Morning Star"- on Facebook for a daily dose of inspiration. This is where events are announced first!
We had a family session with Mollie with the hope of reaching my two sons, both of whom passed separately but within a couple of years of the other. This was our first contact with a medium. The evidence was absolutely stunning! Her skill as a medium unquestionable. Her genuine motivation to comfort and educate is also unquestionable. Weeks later, we continue to validate very specific, personal, heartwarming details of our life changing session with Mollie. Our hope is renewed.
I lost my mother unexpectedly last year. Afterwards, I struggled daily to cope. I knew of Mollie from a friend and booking a one-on-one with her became a high priority. She gave me multiple specific validations that my mother was truly communicating with her. My mother's personality and special brand of love shined through the messages Mollie delivered. The peace Mollie gave me is priceless. I started truly living again after the validation that my mother is still with me and always will be.
I have been meaning to write this review for awhile. My 21 year old son took his life and 18 days after, I booked a reading with Mollie. My son showed up immediately and the messages I received from the connection were personal, loving, validating, and I had no doubt it was him at all. It has been one of the most helpful things I have done for myself to heal from the trauma and I go back to his words to me often when I am deep in my grief. I would recommend Mollie to anyone. Thank you!
I recently had a phone session with Molly in July, 2017 .It was amazing. The connection Molly made with my loved one's who passed over was so strong and she told me things regarding their passing that no one knew but me. I have had reading with other people but Molly's session was so much more personal and to the point. She was "spot on" with everything she told me . Molly helped me find peace and I now feel a deeper connections with my loved ones who have passed on.
Our youngest daughter died in a car crash on 12/20/14. We have received many "hellos from heaven". On 6/21/17 attended Mollie's show in La Crosse. It was overwhelming when Laura came through with messages for her sisters about recent conversations. I booked a private reading. Again Laura came through with meaningful messages. Laura is still present in our family, just in a different form. It is a personal experience that you can't fully appreciate until you experience it for yourself.
I had a private phone reading with Mollie yesterday morning and I was very impressed with her and what a lovely person she was to talk with. She was able to give me peace where my husband was concerned and special thoughts from my mom. She was spot on on all things she said to me. And what a surprise for her to mention Stan! I couldn't be anymore impressed with her talents. Would love to see her at one of her group events. Thanks Mollie!
I had a reading with Mollie on 1/18/16, it was unbelievable and have given me some peace that my son who was killed in a car accident along with his girlfriend are okay. It was the best money I ever spent, I will forever be grateful to Mollie the gift that she gave me, my mother even came through who died 3 years ago. She is such a warm caring person. Thank you Mollie!!!!
Mollie is fabulous. Her compassion, kindness and sense of humor flowed through my entire reading. After months of agonizing grief, I have found peace again. I felt like I had a "conversation" with my son! Questions were answered and I know he will always be just a heartfelt thought away. Thank you so very much!
Amazing. Mollie is truly amazing. My reading was one of the most amazing experiences of my life. I was able to put so many questions to rest. I thought I would never have the answers to because of my mom's passing. I now have peace in an unexplainable way because my questions were answered through Mollie. Thank you, Mollie!
My mom came through with my dad & grandparents. The validations were spot-on. My grandmother (who died when I was a child) knew things that had occurred with our adult daughter. Mom expressed thanks for caring for her and said she was with her sisters. Had seen Mollie several times and am amazed at her ability to give messages and help so many grieving survivors. Reactions from people routinely showed that the messages were accurate. She is amazing and unassuming despite this gift she shares.
I first found Mollie through my sister, for whom Mollie did an impromptu reading as my sister showed her an event space. They had never met. Mollie provided amazing, accurate details about my sister's friend who had died two weeks prior in a different state in very tragic circumstances. There is no other explanation for it--Mollie is the real deal. She is also one of the kindest, warmest, most welcoming people I've ever met. You will not be sorry for scheduling a reading with her.
She has a true gift from God. She is authentic and real. She is kind and compassionate as well. I highly recommend Mollie for a reading.
Twice I have been in the audience at a group session in La Crosse, WI with Mollie, and both times I was fortunate enough to have family members come through. The first was my husband, 8 months after his death. It was so comforting and healing to hear what he conveyed to Mollie, things that no one could have known. Nine months later, my mother passed away. At that session. my mother, father (who was silent) and my husband all came through. Again, I was amazed at Mollie's gift. She is the best.
I have always believed in the afterlife, and after my husband passed unexpectedly at age 54 I knew I had to "hear" from him again. I attended an intimate group as well as a group session and my husband came through to let me know that he was happy and that he wanted me to continue to live my life. Mollie has a great gift and has a very gentle, genuine approach to a very intimate connection. I will be forever grateful to her for helping me through the most difficult time in my life.
You read me in Mpls. I was in shock but after, figured it all out. My brother came thru and he was wearing a yellow shirt, couldn't figure it out. It was Iowa Hawkeye shirt he wore all the time. My son in law and dad also came through. I have suffered so much loss and for at 30 years. You are the only one and the reason I finally am doing better. Thank you from the bottom of my heart. Love.
On March 30th my son came through and acknowledged growing up he was a handful, and things were hard for him here. How could Mollie know this. Thank you Mollie for bringing me peace in knowing my son is always with me and is HAPPY! My daughter slept good for the 1st time in 14 months.
On March 30, 2016, I lost my sense of fear. I was at a group reading, and my deceased father came forward. Mollie's ability to relay the clear message that he is still with me gave me a sense of being OVERWHELMINGLY UNAFRAID, BLISSFUL, ENERGIZED, & BLESSED. Most of us fear death beyond any other fear the most, death of our loved ones, and ourselves. I am NO LONGER AFRAID. Without a shadow of a doubt, we are still together. Ahh, peace. I am deeply thankful to Mollie for relaying my Dad.
My husband's friend came thru to me and left me a message to give my husband that was so healing, I couldn't believe it! He and my husband were in an accident together and my husband feels a lot of guilt for the loss of his life. His friend came thru and extended an olive branch and told me to tell him that he needs to release his guilt and remember that it is ok and it was an accident. My husband was in shock when I told him the message. I am so grateful for Mollie!
Seen Molly Morningstar several years now in Tampa and awaiting this year's vist next month. Molly is amazing. The first time we met no one came thru for us. But she helped so many people that we heard she was coming back. That next visit she was reading and it was about an older lady. Maybe a grandma or mom. I was like someone please claim her because she was coming in strong. It turned out it was mom and dad, brother and brother in law. Thing said she nor sister knew....right on target.
In the last two years I've had two readings with Mollie. In each reading she was as accurate and as evidential as a George Anderson in a reading I had with him eight or so years ago. There was no hesitation in the information she shared that seemed to be passed to her with ease. Recently I referred a friend to Mollie for a reading and they also had the most remarkable reading giving them the peace of mind they needed to ease their grief and the knowledge that their loved ones go on.
My husband and I attended an intimate group session with Mollie. We were delighted with Mollie's warm, loving and uplifting presence, she fills the room with positive energy! We were elated when Mollie connected with my parents as well as my husbands parents and uncles. The connections were so authentic and personal to us, we were blown away and ecstatic that we received so many validations and affirmations from our deceased parents! Thank you Mollie for sharing your gift with us!
I visited with Molly almost 17 years after my daughter was killed in a car accident. I had seen a few other psychics who never made a connection with her. Molly was able to connect with her right away and I was able to verify quite a few things she told me. One of the messages concerned a piece of her jewelry that I was wearing at the reading. I really felt like my daughter was there.
Love Mollie!! I met Mollie when she came out to WA St. Mollie had a number of the other side come through for several people. Impressed, I made an appointment to have a session with Mollie & was very happy that I had. My parents and my best friend came through! I was able to put few things to rest. If you want to connect with your late loved one's, then Mollie is the perfect person to have a session with!
My Mother, Aunt, and I went to see Mollie when she was in LaCrosse, WI, in March, 2015. We lost my Dad in July of 2014, and hopes of hearing from him, to help with my Mother's grief and acceptance, were realized. Dad came through, sharing tidbits that only we knew about; bringing tears and laughter. Mollie's gift, not only of connecting with our loved ones, but also educating us through the grief process, is amazing!
I saw Mollie on tour in Columbus Ohio in 2012. She was 100% correct with every thing she validated. Great experience. I keep waiting for her to come back to the area. Can't wait!
I went to Mollie with some very unresolved issues with my dad who passed away that was weighing heavily on my heart. Mollie easily made the connection to my dad who share very personal and specific detail of my past memories with my dad which touched my heart. My dad was able to communicate through Mollie and gave me the reassurance I so desperately needed to move on. My reading was the most amazing experience I have ever had thanks to Mollie.
The details that came out during Mollie's reading were amazing - things she would not know, and there were many, many details. Mollie communicates clearly and I sense that spirit is eager to communicate through her. I suggest that anyone interested in working with a medium should start with Mollie. Thanks so much; the experience has touched my life in a very positive way.


Flying Lotus – Do My Eyes Look Scary?
The only thing the end of a college term means to me now is that the grad students in my office are scarce for a week or two, and we get a break on Noise Radio. But I tried to end the term on a high note, or at least a loud one.
I've noticed my tastes, at least for DJing, changing, in that more and more I crave things that are simpler and more straight ahead. I prevailed on my friend Tom Butcher to pull out some of the hard techno tracks he recorded in the 90s, that he'd sent me on a casette tape. I wore that tape out listening to it in my car, and luckily he'd rescued those tracks from DAT at some point. He also provided me with pre-release copies of his new record on Roam Recordings. so I used some of his oldest and newest music.
The irrepressible Shawn Rudiman has been releasing a backlog of his tracks digitally on Detroit Techno Militia. I took several tracks from the 4th volume. I've always been a fan of his live shows, and I'm frankly in awe with his ability to go into the studio and crank out so many high quality tracks. I don't know when he sleeps.
Kataconda (Barry Ryan) is another guy who's been going nuts putting out killer techno for a long time — he came to Iowa City and played at my 'Off Seamus' event concurrent with the 2002 SEAMUS conference for Electro-Acoustic music.
Bleupulp (aka Maxim Tanguay) is another prolific composer and the guy behind Pertin-nce net label, which has a huge catalog of mostly free, high quality music.
Andy Vaz produces his own intricately layered deep house from his base in Cologne, and Yore has graciously put me on their promo list. Two upcoming releases — a remix EP for his 'Straight Vacationing' album, and 'My Love is 4Ever' by Librah — are also featured here.


text:
import java.util.Vector;
import java.lang.String;
import java.lang.reflect.Array;
import java.io.*;
import javax.xml.stream.*;
import org.xml.sax.*;
import org.xml.sax.helpers.*;
import javax.swing.*;
import java.awt.Component;
import java.awt.FlowLayout;
import javax.swing.border.EmptyBorder;

import java.awt.event.*;

public class Command extends CommandSpec
{
	public static final int TEST_COMMAND = 3;
	public static final int TEST_UIREP = 3;
	public static final int TEST_ACTION = 3;
	protected ONLComponent parentComponent = null;
	private Field.Owner fieldOwner = null;

	/////////////////////////////////////////////////////// Command.CContentHandler ///////////////////////////////////////////////////////

	protected static class CContentHandler extends DefaultHandler
	{
		private ExperimentXML expXML = null;
		protected String currentElement = "";
		protected ParamSpec currentParam = null;
		protected int paramIndex = 0;
		protected Command command = null;

		public CContentHandler(ExperimentXML exp_xml, Command cmd)
		{
			super();
			expXML = exp_xml;
			command = cmd;
		}

		public void startElement(String uri, String localName, String qName, Attributes attributes)
		{
			ExpCoordinator.print(new String("Command.CContentHandler.startElement localName:" + localName), ExperimentXML.TEST_XML);
			currentElement = new String(localName);
			if (localName.equals(ExperimentXML.PARAM))
			{
				Param param = (Param)command.getParam(attributes.getValue(ExperimentXML.PLABEL));
				if (param != null) expXML.setContentHandler(param.getContentHandler(expXML));
			}
		}
		public void endElement(String uri, String localName, String qName)
		{
			ExpCoordinator.print(new String("Command.CContentHandler.endElement " + localName), ExperimentXML.TEST_XML);
			if (localName.equals(command.getXMLElemName()))//ExperimentXML.COMMAND) || localName.equals(ExperimentXML.UPDATE_COMMAND))
			{
				command.print(ExperimentXML.TEST_XML);
				command = null;
				expXML.removeContentHandler(this);
			}
		}
	}// end inner class Command.XMLHandler

	////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////
	/////////////////////////////////////////// Command.Edit ///////////////////////////////////////////////////////////////////
	////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

	public static class Edit extends Experiment.Edit
	{
		private Command.NCCPOp commandOp = null;
		private boolean cancelled = false;
		private boolean can_undo = false;
		private Command batchCommand = null;
		private Object cmd_values = null;

		public Edit(Command cmd, Experiment exp)
		{
			this(cmd, cmd.getCurrentValues(), exp);
		}

		public Edit(Command cmd, Object[] vals, Experiment exp)
		{
			super(cmd.parentComponent, exp);
			ExpCoordinator.print(new String("Command.Edit"), HWTable.TEST_HWTABLE);
			cmd.print(HWTable.TEST_HWTABLE);
			batchCommand = cmd.getCopy(cmd.getParentComponent(), vals);
			commandOp = cmd.createNCCPOp(vals);//new Command.NCCPOp(cmd, vals, cmd.parentComponent);
		}

		//ONLComponent.Undoable
		public boolean canUndo()
		{
			if (can_undo) return (super.canUndo());
			else return false;
		}
		public boolean canRedo()
		{
			if (can_undo) return (super.canRedo());
			else return false;
		}
		public void setCanUndo(boolean b) { can_undo = b;}
		protected void sendMessage()
		{
			if (commandOp != null)
			{
				ExpCoordinator.printer.print(new String("Command.Edit.sendMessage"), HWTable.TEST_HWTABLE);
				((NCCPOpManager.Manager)onlComponent).addOperation(commandOp);
			}
		}
		protected void sendUndoMessage() {}
		public boolean isCancelled(ONLComponent.Undoable un)
		{
			return (cancelled);
		}
		public void setCancelled(boolean b) { cancelled = b;}
		public boolean getCancelled() { return cancelled;}
		protected void setCommandOp(Command.NCCPOp op) { commandOp = op;}
		protected Command.NCCPOp getCommandOp() { return commandOp;}
		protected void setCommandOpEdit() { if (commandOp != null) commandOp.setEdit(this);}
		public Command getBatchCommand() { return batchCommand;}
	}//end class Command.Edit

	///////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////
	////////////////////////////////////////////////////// Command.CAction ////////////////////////////////////////////////////////////////////
	///////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

	public static class CAction extends AbstractAction
	{
		private ONLComponent onlComponent = null;
		private Command command = null;
		private JFrame window = null;
		private Object[] prefix = null;
		private Object[] suffix = null;
		private String title = null;

		public CAction(ONLComponent c, Command cmd)
		{
			super(cmd.getLabel());
			command = cmd;
			onlComponent = c;
			window = onlComponent.getExpCoordinator().getMainWindow();
		}

		public ONLComponent getONLComponent() { return onlComponent;}
		public CommandSpec getSpec() { return ((CommandSpec)getCommand());}
		protected void setCommand(CommandSpec cs) { command = new Command(cs, onlComponent.getHardware());}
		protected void setCommand(Command cs) { command = cs;}
		protected Object[] getParamUIReps() { return (getCommand().getParamUIReps());}
		public void actionPerformed(ActionEvent e) { actionPerformed();}
		public void actionPerformed()
		{
			Command cspec = getCommand();
			String ttl = "";
			if (title != null) ttl = title;
			else ttl = new String(onlComponent.getLabel() + " Send Command " + cspec.getLabel());

			JDialog dialog = new JDialog( window, ttl, true);
			dialog.getContentPane().setLayout(new BoxLayout(dialog.getContentPane(), BoxLayout.Y_AXIS));
			JToggleButton opt0 = new JToggleButton("Enter");
			JToggleButton opt1 = new JToggleButton("Cancel");
			class CloseAction implements ActionListener
			{
				private JDialog dlog = null;
				CloseAction(JDialog d){ dlog = d;}
				public void actionPerformed(ActionEvent e) { dlog.setVisible(false); dlog.dispose();}
			}
			CloseAction close_action = new CloseAction(dialog);
			opt0.addActionListener(close_action);
			opt1.addActionListener(close_action);
			ButtonGroup optGroup = new ButtonGroup();
			optGroup.add(opt0);
			optGroup.add(opt1);
			optGroup.setSelected(opt0.getModel(), false);
			JPanel options = new JPanel();
			//options.setLayout(new BoxLayout(options, BoxLayout.X_AXIS));
			options.setLayout(new FlowLayout(FlowLayout.CENTER));
			options.setBorder(new EmptyBorder(1,0,1,0));
			options.add(opt0);
			options.add(opt1);

			Object[] params = cspec.getParamUIReps();
			int param_len = Array.getLength(params);
			int prefix_len = 0;
			int suffix_len = 0;
			if (prefix != null) prefix_len = Array.getLength(prefix);
			if (suffix != null) suffix_len = Array.getLength(suffix);
			int num_display = param_len + prefix_len + suffix_len + 1;
			int height = (num_display)*32 + 37;

			//JPanel display = new JPanel();
			//display.setLayout(new BoxLayout(display, BoxLayout.Y_AXIS));
			int i = 0;
			JComponent comp;
			comp = new JLabel(cspec.getDescription());
			comp.setAlignmentX(Component.LEFT_ALIGNMENT);
			//comp.setAlignmentX(1);
			comp.setBorder(new EmptyBorder(1,0,1,0));
			dialog.getContentPane().add(comp);
			for (i= 0; i < prefix_len; ++i)
			{
				Object o = prefix[i];
				if (o instanceof JComponent) comp = (JComponent)o;
				else comp = new JLabel(o.toString());
				comp.setAlignmentX(Component.LEFT_ALIGNMENT);
				//comp.setAlignmentX(1);
				comp.setBorder(new EmptyBorder(1,0,1,0));
				dialog.add(comp);
			}
			for (i = 0; i < param_len; ++i)
			{
				Object o = params[i];
				if (o instanceof JComponent) comp = (JComponent)o;
				else comp = new JLabel(o.toString());
				comp.setAlignmentX(Component.LEFT_ALIGNMENT);
				//comp.setAlignmentX(1);
				comp.setBorder(new EmptyBorder(1,0,1,0));
				dialog.add(comp);
			}
			for (i = 0; i < suffix_len; ++i)
			{
				Object o = suffix[i];
				if (o instanceof JComponent) comp = (JComponent)o;
				else comp = new JLabel(o.toString());
				comp.setAlignmentX(Component.LEFT_ALIGNMENT);
				//comp.setAlignmentX(1);
				comp.setBorder(new EmptyBorder(1,0,1,0));
				dialog.add(comp);
			}

			//dialog.add(display);
		    options.setAlignmentX(Component.LEFT_ALIGNMENT);
			dialog.add(options);
			dialog.setSize(250, height);
			dialog.setVisible(true);

			if (opt0.isSelected())
			{
				//Object[] vals = cspec.getParamValues();
				Object[] vals = cspec.getCurrentValues();
				//CommandSpec.Param[] param_lst = cspec.getParams();
				ExpCoordinator.print(new String("Sending command " + cspec.getLabel() + ":"));
				int max = cspec.getNumParams();
				for (i = 0; i < max; ++i)
				{
					ExpCoordinator.print(new String("    " + cspec.getParam(i).label + ":" + vals[i].toString()));
				}
				addOperation(cspec, vals);
			}
		}
		//protected void addOperation() { addOperation(getCommand(), getCommand().getParamValues());}
		//protected void addOperation(Command cspec) { addOperation(cspec, cspec.getParamValues());}
		protected void addOperation() { addOperation(getCommand(), getCommand().getCurrentValues());}
		protected void addOperation(Command cspec) { addOperation(cspec, cspec.getCurrentValues());}
		protected void addOperation(Command cmd, Object[] vals)
		{
			if (!cmd.isImmediate())
				ExpCoordinator.theCoordinator.addEdit(new Command.Edit(cmd, vals, ExpCoordinator.theCoordinator.getCurrentExp()));
			else
			{
				Command.NCCPOp nccp_op = cmd.createNCCPOp(vals);
				if (nccp_op != null) ((NCCPOpManager.Manager)onlComponent).addOperation(nccp_op);
			}
		}
		protected Command getCommand() { return command;}
		public void setPrefix(Object[] pr) { prefix = pr;}
		public void setSuffix(Object[] suf) { suffix = suf;}
		public void setTitle(String ttl)
		{
			title = ttl;
			putValue(Action.NAME, ttl);
		}
	}

	/////////////////////////////////////////////////// Command.NCCPOp /////////////////////////////////////////////////////////////
	protected static class NCCPOp implements NCCPOpManager.Operation
	{
		private Hardware.MDataType mDataType = null;
		private Hardware.NCCP_Request request = null;
		private ONL.Log commandLog = null;
		private Command.Edit cEdit = null;

		public NCCPOp(Hardware.MDataType mdt)
		{
			ExpCoordinator.print("Command.NCCPOp(Hardware.MDataType)", TEST_COMMAND);
			mDataType = mdt;
			request = new Hardware.NCCP_Request(mDataType.getMonitorID(), mDataType.getValues(), mDataType.getPort(), mDataType.getVersion());
			((Hardware.NCCP_Request)request).setHardware(mDataType.getHardware());
			request.setMarker(new REND_Marker_class(mDataType.getPort(), mDataType.isIPP(), mDataType.getMonitorID(), mDataType.getIndex()));
		}
		public NCCPOp(Command cs, ONLComponent oc)
		{
			ExpCoordinator.print("Command.NCCPOp(Command cs, ONLComponent oc)", TEST_COMMAND);
			mDataType = new Hardware.MDataType(oc, cs);
			//mDataType.setONLComponent(oc);
			request = new Hardware.NCCP_Request(mDataType.getMonitorID(), mDataType.getValues(), mDataType.getPort(), mDataType.getVersion());
			((Hardware.NCCP_Request)request).setHardware(mDataType.getHardware());
			request.setMarker(new REND_Marker_class(mDataType.getPort(), mDataType.isIPP(), mDataType.getMonitorID(), mDataType.getIndex()));
		}

		public NCCPOp(Command cs, Object[] params, ONLComponent oc)//Instance in, Port p)
		{
			ExpCoordinator.print("Command.NCCPOp(Command cs, Object[] params, ONLComponent oc)", TEST_COMMAND);
			mDataType = new Hardware.MDataType(oc, cs, params);
			request = new Hardware.NCCP_Request(mDataType.getMonitorID(), mDataType.getValues(), mDataType.getPort(), mDataType.getVersion());
			((Hardware.NCCP_Request)request).setHardware(mDataType.getHardware());
			request.setMarker(new REND_Marker_class(mDataType.getPort(), mDataType.isIPP(), mDataType.getMonitorID(), mDataType.getIndex()));
		}

		//start interface NCCPOpManager.Operation
		public void opSucceeded(NCCP.ResponseBase resp)
		{
			ExpCoordinator.print("Hardware.CommandNCCPOp.OpSucceeded command :", 3);
			if (commandLog != null) commandLog.addLine(new String(mDataType.getCommand().getLabel() + "(" + getRequest().getValuesString() + ") -- succeeded.\n   Response:" + ((Hardware.NCCP_MonitorResponse)resp).getStatusMsg() + "\n"));
			mDataType.print(3);
			((NCCPOpManager.Manager)mDataType.getONLComponent()).removeOperation(this);
			mDataType.getCommand().setCommittedValues(getRequest().getValues());
		}
		public void opFailed(NCCP.ResponseBase resp)
		{
			if (commandLog != null) commandLog.addLine(new String(mDataType.getCommand().getLabel() + "(" + getRequest().getValuesString() + ") -- failed \n  Response:" + ((Hardware.NCCP_MonitorResponse)resp).getStatusMsg() + "\n"));
			ExpCoordinator.theCoordinator.addError(new StatusDisplay.Error((new String("Hardware Command Failure for " + mDataType.getONLComponent().getLabel() + " command:" + mDataType.getName() + " msg:" + ((Hardware.NCCP_MonitorResponse)resp).getStatusMsg())),
					"Hardware Command Operation Failure.",
					"Hardware Command Operation Failure.",
					(StatusDisplay.Error.LOG | StatusDisplay.Error.STATUSBAR )));//| StatusDisplay.Error.POPUP)));
			ExpCoordinator.print("Hardware.CommandOp.OpFailed command :", 3);
			mDataType.print(3);
			if (cEdit != null && cEdit.canUndo()) cEdit.undo();
			((NCCPOpManager.Manager)mDataType.getONLComponent()).removeOperation(this);
		}
		public void setCommandLog(ONL.Log clog) { commandLog = clog;}
		public Vector getRequests()
		{
			Vector rtn = new Vector();
			rtn.add(request);
			return rtn;
		}
		public boolean containsRequest(REND_Marker_class rend) { return (request.getMarker().isEqual(rend));}
		//end interface NCCPOpManager.Operation
		public Hardware.MDataType getMDataType() { return mDataType;}
		public CommandSpec getCommandSpec() { return ((CommandSpec)mDataType.getCommand());}
		public Command getCommand() { return (mDataType.getCommand());}
		//public Object[] getParamValues() { return (mDataType.getValues());}
		protected Hardware.NCCP_Request getRequest() { return request;}
		protected void setEdit(Command.Edit e) { cEdit = e;}
	}
	//////////////////////////////////// Command methods /////////////////////////////////////////////////////////////////////////
	public Command(Command c) { this((CommandSpec)c, null, c.getParentComponent(), c.getFieldOwner());}
	public Command(CommandSpec cspec, ONLComponent c) { this(cspec, null, c, null);}
	public Command(CommandSpec cspec, ONLComponent c, Field.Owner o) { this(cspec, null, c, o);}
	public Command(CommandSpec cspec, Vector defaults, ONLComponent c) { this(cspec, defaults, c, null);}
	public Command(CommandSpec cspec, Vector defaults, ONLComponent c, Field.Owner o)
	{
		super(cspec, defaults);
		parentComponent = c;
		if (o != null) fieldOwner = o;
		initParams(cspec, defaults);
	}
	public String toString()
	{
		String rtn = super.toString();
		rtn = rtn + " parent:" + parentComponent;
		return rtn;
	}
	public void initParams(CommandSpec cspec, Vector defaults)//Param[] defaults)
	{
		if (parentComponent == null) return;
		Param param;
		for (int i = 0; i < numParams; ++i)
		{
			param = cspec.getParam(i).createParam(parentComponent, this);
			setParam(param, i);
		}
		if (defaults != null) updateDefaults(defaults);
	}
	public void setParentComponent(ONLComponent c)
	{
		if (parentComponent == c) return;
		parentComponent = c;
		int max = params.size();
		for (int i = 0; i < max; ++i)
		{
			((Param)params.elementAt(i)).setParent(parentComponent);
		}
	}
	public ONLComponent getParentComponent() { return parentComponent;}
	public Object[] getParamUIReps()
	{
		Param elem;
		ExpCoordinator.print(new String("Command(" + getLabel() + ").getParamUIReps"), TEST_UIREP);
		int max = displayGroups.size();
		Object rtn[] = new Object[max];//numParams];
		for (int i = 0; i < max; ++i)
		{
			Object o = displayGroups.elementAt(i);
			if (o instanceof DisplayGroup)
			{
				JPanel p = new JPanel();
				p.setLayout(new BoxLayout(p, BoxLayout.X_AXIS));
				DisplayGroup dg = (DisplayGroup)o;
				int max_j = dg.size();
				if (dg.label != null) p.add(new JLabel(dg.label));
				for (int j = 0; j < max_j; ++j)
				{
					elem = (Param)getParam(((Integer)dg.elementAt(j)).intValue());
					p.add((JComponent)elem.getUIRep());
				}
				rtn[i] = p;
			}
			if (o instanceof Integer)
			{
				elem = (Param)getParam(((Integer)o).intValue());
				rtn[i] = elem.getUIRep();
			}
		}
		/*
    for (int i = 0; i < numParams; ++ i)
      {
	elem = (Param)getParam(i);
	rtn[i] = elem.getUIRep();
	ExpCoordinator.print(new String("    " + rtn[i]), TEST_UIREP);
      }
		 */
		return rtn;
	}
	public Object[] getCurrentValues()
	{
		Object rtn[] = new Object[numParams];
		Param elem;
		for (int i = 0; i < numParams; ++ i)
		{
			elem = (Param)getParam(i);
			elem.updateFromUIRep();
			rtn[i] = elem.getCurrentValue();
		}
		return rtn;
	}
	/*
  public void setCurrentFromUI()
  {
    for (int i = 0; i < numParams; ++i)
      ((Param)getParam(i)).setCurrentFromUI();
      }*/
	public void setCurrentValues(Object[] vals) { setDefaults(vals);}
	public void setCommittedValues()
	{
		Param elem;
		for (int i = 0; i < numParams; ++ i)
		{
			elem = (Param)getParam(i);//paramArray[i];
			elem.setCommittedValue();
		}
	}
	public void setCommittedValues(Object[] vals)
	{
		Param elem;
		for (int i = 0; i < numParams; ++ i)
		{
			elem = (Param)getParam(i);//paramArray[i];
			elem.setCommittedValue(vals[i]);
		}
	}
	public boolean needsCommit()
	{
		for (int i = 0; i < numParams; ++ i)
		{
			if (((Param)getParam(i)).needsCommit()) return true;
		}
		return false;
	}
	public boolean isEqual(Command c)
	{
		boolean rtn = isEqual((CommandSpec)c);
		return (rtn && parentComponent == c.parentComponent);
	}
	public Field.Owner getFieldOwner() { return fieldOwner;}
	public Command getCopy() { return (getCopy(null, null));}
	public Command getCopy(ONLComponent parent) { return (getCopy(parent, null));}
	public Command getCopy(Object[] defaults) { return (getCopy(null, defaults));}
	public Command getCopy(ONLComponent parent, Object[] defaults)
	{
		//Vector objs = new Vector();
		//for (int i = 0; i < defaults.length; ++i)
		//{
			//objs.add(defaults[i]);
		//}
		Command rtn = new Command((CommandSpec)this, parent);
		//if (parent != null) rtn.setParentComponent(parent);
		if (defaults != null) rtn.setDefaults(defaults);
		ExpCoordinator.print("Command.getCopy", TEST_COMMAND);
		rtn.print(TEST_COMMAND);
		return rtn;
	}

	public Command.NCCPOp createNCCPOp(Object[] vals)
	{
		if (opcode >= 0) return (new Command.NCCPOp(this, vals, parentComponent));
		return null;
	}

	public void writeXMLBatchCommand(XMLStreamWriter xmlWrtr) throws XMLStreamException
	{
		xmlWrtr.writeStartElement(ExperimentXML.BATCH_COMMAND);

		if (parentComponent != null)
		{
			xmlWrtr.writeStartElement(ExperimentXML.COMPONENT);
			parentComponent.writeXMLID(xmlWrtr);
			xmlWrtr.writeEndElement();
		}
		if (this instanceof HWTableElement.TableCommand)
		{
			xmlWrtr.writeStartElement(Hardware.MDataType.TABLE_ELEM);
			((HWTableElement.TableCommand)this).getEntry().writeXML(xmlWrtr);
			xmlWrtr.writeEndElement();
		}
		writeXML(xmlWrtr, getXMLElemName());
		xmlWrtr.writeEndElement(); //end elemnm
	}

	public void writeXML(XMLStreamWriter xmlWrtr) throws XMLStreamException { writeXML(xmlWrtr, getXMLElemName());}
	public void writeXML(XMLStreamWriter xmlWrtr, String elemnm) throws XMLStreamException
	{
		xmlWrtr.writeStartElement(elemnm);
		xmlWrtr.writeAttribute(ExperimentXML.DLABEL, getLabel());
		xmlWrtr.writeAttribute(ExperimentXML.OPCODE, String.valueOf(opcode));
		xmlWrtr.writeAttribute(ExperimentXML.NUMPARAMS, String.valueOf(getNumParams()));
		writeXMLHeader(xmlWrtr);
		int max = getNumParams();
		for (int i = 0; i < max; ++i)
		{
			((Param)getParam(i)).writeXML(xmlWrtr);
		}
		writeXMLFooter(xmlWrtr);
		xmlWrtr.writeEndElement(); //end elemnm
	}
	public void writeXMLHeader(XMLStreamWriter xmlWrtr) throws XMLStreamException{}
	public void writeXMLFooter(XMLStreamWriter xmlWrtr) throws XMLStreamException{}
	public ContentHandler getContentHandler(ExperimentXML exp_xml) { return (new Command.CContentHandler(exp_xml, this));}
	protected boolean merge(Command cmd)
	{
		if (cmd == null)
			ExpCoordinator.theCoordinator.addError(new StatusDisplay.Error(new String(getLabel() + " Inconsistency master:" + toString() + " other:none\n"),
					"Command Param Error",
					"Command Param Error",
					StatusDisplay.Error.LOG));
		int max = getNumParams();
		for (int i = 0; i < max; ++i)
		{
			Param p1 = (Param)getParam(i);
			Param p2 = (Param)cmd.getParam(i);
			if (p2 != null && !p1.isEqual(p2))
				ExpCoordinator.theCoordinator.addError(new StatusDisplay.Error(new String(getLabel() + " " + p1.getLabel() + " Inconsistency master has " + p1.getLabel() + ":" + p1.getCurrentValue().toString() + " other has " + p1.getLabel() + ":" + p2.getCurrentValue().toString() + "\n"),
						"Command Param Error",
						"Command Param Error",
						StatusDisplay.Error.LOG));
		}
		return true;
	}
}


text:
<?php

namespace FOS\UserBundle\DependencyInjection\Compiler;

use FOS\UserBundle\Util\PasswordUpdater;
use Symfony\Component\DependencyInjection\Compiler\CompilerPassInterface;
use Symfony\Component\DependencyInjection\ContainerBuilder;
use Symfony\Component\DependencyInjection\Reference;

/**
 * @internal
 */
final class ConfigurePasswordHasherPass implements CompilerPassInterface
{
    /**
     * {@inheritdoc}
     */
    public function process(ContainerBuilder $container)
    {
        if ($container->has('security.password_hasher_factory')) {
            return;
        }

        // If we don't have the new service for password-hasher, use the old implementation based on the EncoderFactoryInterface
        $def = $container->getDefinition('fos_user.util.password_updater');

        $def->setClass(PasswordUpdater::class);
        $def->setArgument(0, new Reference('security.encoder_factory'));
    }
}


text:
Q: How was onClick(View v) Automatically executed? Hi im a begginer on Android development. I knew basic core java. So i have a question on this particular code:
button.setOnClickListener(new View.OnClickListener()
{
    @Override public void onClick(View v)
    {
        // do something when the button is clicked
    }
});

I know that this is anonymous class and OnClickListener is an interface. But what i dont understand is the onClick(View v) method, v is the button that was clicked but under the hood how was this method AUTOMATICALLY executed? I mean isnt that to be able to call a method you must first create an object then a method beside it? I just need to understand this concept, thank you.

A: In simple words when you create a Button object it has some listener objects:
Example:
class Button extends View{
   private OnClickListener clickListener;

   public void setOnClickListener(OnClickListener clickListener){
          this.clickListener = clickListener;
   }
}

when you call this:
button.setOnClickListener();

basically you assign the value to clickListener in Button class and then each time you click the button it triggers
clickListener.onClick(this)
and perform your defined stuff.

A: Your listener is provided to the Button object, and by clicking the button, the Android framework will try to invoke the OnClickListener (if any) by calling the onClick method you provide.
So it is not really automatically. Your action triggers the click, and Android framework calls your onClick.


In this series of blog posts entitled "The Unison Solution," we aim to provide objective analysis of the various use cases of the Unison program offering. In this inaugural post, we will explore the use of Unison HomeBuyer by a consumer who can afford a 20% down payment but chooses to use Unison to create a more diversified personal investment portfolio.
The "optimal" investment portfolio for an individual will be dependent on a multitude of factors, such as the person's age, salary, liquidity needs, specific financial goals, and risk tolerance. These unique, individual circumstances should dictate the asset allocation that will create an effective long-term plan for personal wealth management.
Modern Portfolio Theory teaches us that, for any given level of risk, there is an optimal mix of investment assets that will provide the highest return. However, the practical application of this for an individual can be difficult simply due to the inability to diversify. Moreover, the benefits of homeownership sought by an individual may result in an overallocation to a single, volatile asset.
As Brodie Gay articulated in his blog post "The Devil is in the details: risk and return in residential real estate," the value of an individual home is far more volatile than what may be measured by the Case-Shiller index. Homeowners hold a portfolio far riskier than they may realize or desire and historically have had limited options to remedy the allocation.
Using Brodie's findings regarding volatility and applying these concepts to individual case studies, we find that the use of a program such as Unison HomeBuyer can help reduce exposure to single-asset residential real estate and re-allocate wealth in a better-diversified portfolio that will result not only in a superior Sharpe ratio but a more liquid portfolio to boot!
To determine the financial impact of using the Unison proceeds to reinvest in other investments, we must first establish a model that simulates the expected cash flow from homeownership. I will refer to this as the Base Case scenario.
An outlay of these cash flows over the hold period of seven years will show the initial $100,000 investment withered down to $12,000 with an annualized IRR of -8.0%.
Clearly these figures are flawed – after all, home ownership is supposed to be a good investment, right? Interestingly, a review of the Case-Shiller index vis a vis mortgages rates over the last two decades will show that mortgage rates are often higher than the unlevered return on real estate.
The fix here is that the general cost of living cannot be avoided, and therefore this cash outflow should be excluded from the analysis. Said another way, if you did not own your home, you would be paying rent. Therefore, these savings on rent must be added to the cashflow to provide a better picture of the benefit of home ownership. The U.S. Bureau of Labor Statistics provides data for rent on primary residences. By using this data to derive a rental yield, we can add this to the spread.
We will add an assumed "Rent Savings," which we will estimate to equal 130% of the mortgage payment (principal and interest). The comparison of rent to mortgage will vary broadly by location and is a key component in various "rent vs. own" or "affordability" analyses out there. Trulia has a useful blog that explores how these can vary by location.
With this offset added to the cash flow model, the IRR in our Base Case increases to 11.9%, with net worth increasing from $100,000 to $226,357 after seven years.
Let us now replicate the Base Case scenario but add the use of Unison HomeBuyer. Unison contributes 10% of proceeds on the purchase and is repaid the initial investment plus 35% of the change in value at the time of sale. We will call this the "Unison" scenario.
For the moment, we will take the $50,000 in proceeds and set them aside. We will evaluate the impact of investing these proceeds, but first, let's look at how the home ownership investment itself performs under either scenario.
In the base case, the 20% ownership provides exposure to 100% of the upside (5x leverage). With Unison HomeBuyer, 10% down payment provides exposure to 65% of the upside (6.5x leverage). Therefore, based on home value alone, the use of Unison will provide higher returns to the homeowner in times of positive appreciation. In times of negative appreciation, the investment will drop to zero more quickly.
The cash flows associated with the hold period are the same in both the Base Case and Unison scenarios. Given the lower initial investment, the IRR in the Unison scenario will be more sensitive to holding period cash flows. To rephrase, the Unison scenario is 1.3x more sensitive to HPA, and 2.0x more sensitive to holding period cash flows as compared to Base Case.
With the assumptions we've outlined for these two scenarios, the downward pressure from the holding period cash flows does not outweigh the benefit of the increased leverage on HPA. The IRR for the Unison Case is 13.6% compared to 11.9% for Base Case.
However, these resulting IRRs can shift around quite a bit with fluctuations in holding period cash flows, which can be modified by toggling certain variables (i.e., interest rate, income tax rate, property tax rate, insurance cost, maintenance cost, and implied rent).
The holding period cash flows, for the purposes of this analysis, are just noise. The required IRR of the additional cash proceeds received from Unison (the "Reinvested Proceeds") is irrespective of the movements of the IRRs that relate to holding period cash flow fluctuation.
The return on the Reinvested Proceeds – and the resulting risk profile of the investment portfolio – is the key component of this analysis. We would like to address the question: instead of investing more money into my home, should I invest elsewhere? What benefit would this provide?
The concept of reinvestment risk is the key factor here. While investment in the home provides a higher return in the Unison scenario than in the Base Case, the fact is that only $50,000 is invested with Unison vs. $100,000 in the Base Case. The $50,000 of extra cash provided by Unison must be taken into consideration to compare the two scenarios.
For instance, if the $50,000 in proceeds were not reinvested, but rather saved as cash in a low interest-bearing account (assume 1% annual interest), this "Unison + Cash" Case now has an IRR of 8.6% (vs. the 13.6% return on the home itself).
An individual focused solely on return would look at the above metrics and brush off the idea of using Unison given the difficulty of replicating the homeownership IRR in other asset classes. However, these charts ignore volatility of both the individual assets and the resulting portfolio.
Using historical data, we can observe that a home purchase with Unison can provide a similar return to that of a home purchase with the traditional 20% down structure, while providing reduced risk.
The graphs above have been produced using Case-Shiller data, which, as discussed, understates true volatility.
Going back to our Base Case and Unison+Stocks scenario, we can review how these assets perform over time with the inclusion of error bars based on the volatility. This time, we will use the volatility that Brodie derived in his blog post rather than the volatility implied by the Case Shiller. The cash flow projections (and corresponding paths that are plus or minus one standard deviation of the projection) are depicted in Figure 5.
To conclude on this preliminary analysis, the results presented are not unexpected. Using Unison to diversify an investment portfolio will reduce risk and provide a higher Sharpe ratio. But, the return alone, albeit riskier, would be higher in a levered real estate asset vs stocks or bonds. The ability to obtain easy and cheap leverage for real estate drives this result. This then begs the question – what if the Reinvested Proceeds were put into a rental property? We also ignore less quantifiable benefits of the alternate investment options for the Reinvested Proceeds, such as the higher level of liquidity in case of a "rainy day." We will analyze this further in the next edition of The Unison Solution.
 The Sharpe Ratio is the industry standard measurement for calculating risk-adjusted return, developed by Nobel laureate William Sharpe. For more information, refer to this Morningstar article.
 Expected return based on BNY Melon 10-year Capital Market Return Assumptions for the Russell 3000 Index (equities) and Bloomberg Barclays U.S. Aggregate Index (fixed income).
 Annual risk is measured as the standard deviation of returns from 1985-2015.
 Graph is based on a logarithmic scale.


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All emails sent by the system, by default, include a standard email signature. The signature is included in the default email templates as a placeholder item, which is replaced when an email is sent, with your customised signature.
Global administrators can customise your email signature, in any of your supported languages (configured during system implementation), to match your requirements.
In the SECTIONS section, click Email templates.
On the Email templates page, click the - Signature - email template.
LANGUAGE. Choose the language variant of the signature you wish to edit.
BODY. Update the text that will appear in the signature.