The Most Common Reason Why Your Mortgage Loan Application is Rejected. Here's Why!
It is very common that you heard a lot of Mortgage Loan rejected case nowadays. Do you know why?
If you don't, here you must read this to further enhance your knowledge.
Or else you will be the next!
The above phrase is quite frightening, but this does not mean you can't get a loan or mortgage anymore. The good old days where an officer judged and evaluated your loan application based on how they felt about you has gone.
Due to the fast-paced economic growth we are experiencing, the banking industry has become more competitive. Therefore, banks have picked a systematic approach in processing mortgage / loan today.
This systematic approach has led to complex banking conditions, where the banks initiated policies and credit scoring system to decide if the bank would like you to be their mortgage customer, the amount of credit lines you deserve, as well as predicts the chances of you default the repayment.
Knowledge is the key and ensuring you have a flawless financial record will increase your chances greatly with banks. This translates into banks granting you more credit lines to leverage on your biggest investment.
However, as of today, approximately 50% of mortgage applications are rejected. We are pretty sure that the majority of mortgage applicants today have the repayment capability and can afford the said property, but are still being rejected. All this boils down to the fact that we need to be well-organized in managing our finances.
What? All banks don't apply the same policies?
The answer is 'No'. Each bank follows a different set of requirements. You may get your loans approved in one bank but may not get it in another.
The problem starts when you keep on applying in several banks at the same time, without realizing the consequences. Do you know that Bank Negara Malaysia (BNM) tracks all our loan applications and their statuses?
If you started off wrongly by getting the first few banks to decline your application, the record sticks there and you may not get your future loans approved at the subsequent banks, even when you fit their requirements. Come on, would you lend money to someone who has records of rejected loans?
All banks have different risk appetites. You may get rejected for holding too many credit cards and you may also get rejected for not holding any credit card; both situations can occur based on the bank requirements.
Keeping your Central Credit Reference Information System (CCRIS) clean will ensure the banks favour you, as you will have the right profile which fits them well.
There are several other reasons for the banks not to process your application up front, which includes the bank has already max-out their end financing line for that particular development or the bank does not prefer financing properties at that location.
Understanding these reasons are vital to prevent time wastage by submitting and applying at banks, which results in a higher possibility of rejection.
Banks are getting more efficient and complex these days. Gone were the days where human judgement and manual eyeballing were done to accept or decline an application.
Most banks have implemented a scores engine called application score, which analyses the customer's profile - your age, where do you stay, education level, marital status and so on. Ever wondered why the bank application form is lengthy with numerous questions about you?
Most of this information is collected and in each query, a score is given based on the details you provide. Well, it is not as simple as giving a random score for each question, but scores based on a detailed algorithm combining the details.
Banks rely heavily on the credit score engine nowadays in decision-making. Credit score engine analyses your repayment behaviour based on your CCRIS. Basically, a credit score denotes an indication on how wisely you manage your money in the past. However, the policies and requirements differ from bank to bank, as each bank has its own risk appetite.
Again, a clean CCRIS without loans are not necessarily something the bank prefers. You may be viewed as someone with a "thin bureau record". On the other hand, having strings of facilities ("thick bureau") with a long list of outstanding balances might not necessarily be what a bank looks for either.
For a person with 'thick bureau', the bank will first consider your payment priority in the event of any misfortune. Managing your CCRIS well is important to prevent from having your loans rejected.
On top of credit scoring, banks may still reject your application with a set of credit rules – missed payment for more than 3 times in the last 6 months, missed your current monthly payment and so on.
Credit problems often stand in the way of a mortgage loan approval. Whilst some cases require extensive credit improvements, others can be resolved quickly.
Banks look at your past performance to gauge your future performance. Banks will also look at your leveraging level. If you had a poor repayment track record, chances are you will not get your loan approved.
Repayment trend can be easily obtained through CCRIS. Showing any delinquency of 2 months and above will greatly reduce your chance of getting that loan approved.
Matters become worse if you already have an existing loan in the bank you are currently applying for. Your entire repayment behaviour will be reviewed, with your payment pattern. This will affect your current loan application – in a good or bad way.
If you have any accounts which repayments were not made over a prolong period (normally more than 6 months for a personal loan or credit card, potentially longer for a secured loan), your record may be red flagged as a "special attention account" in your CCRIS. Generally, banks will not proceed with your loan approval upon seeing any red flags, even though you have a good track record for your other credit facilities in your CCRIS.
If you approached the bank before the event of default or went into any legal battles with the bank, expressing your difficulties in meeting your monthly repayments, some banks may offer to restructure or reschedule your loans.
These usually are done by extending your tenure to lower down your monthly repayments. Such acts are deemed as potential financial distress and despite you continue to make prompt repayments under these schemes; banks have a duty to report your facility as being restructured. Other banks may not want to grant you any new mortgage facility because you will be perceived as not being able to manage your existing debts.
Other warning signs from your CCRIS are items such as enrolling yourself into AKPK (a debt management service under the arms of BNM), or legal actions taken against you previously. Such remarks will not be erased from the system despite regularizing your payments for more than 12 months.
Maintaining discipline in your cheque facility is important. If you have 2 or more bounced cheques in the past 12 months, most banks will not proceed with your mortgage application. The record will remain, regardless of the affected current account is closed or the account is not from the bank you are applying for the loan.
If you are officially declared a bankruptcy, you will not be able to get any new loans, refinance or top-up any mortgage facilities. Bankruptcy status is published in the newspaper daily. If you have been declared bankrupt, either by a particular bank, individual or by an organization, your record will be available permanently in CTOS for reference.
CTOS captures and compiles bankruptcy status, which are published in the public sources. CCRIS only captures the bankruptcy status, if you are declared bankrupt by a bank.
Knowing the ratio of your debt to income is important and key in getting your loan approved. This is a formula used by banks to evaluate your affordability level.
The DSR is calculated based on the total of all your monthly debt obligations - often called recurring debt / commitment, which includes your total loan on mortgage, car loans, personal loans, your minimum monthly payments on any credit card debts, your other loans, together with the monthly commitment for the current application, divided by the net income - after the deduction of income tax / KWSP/ SOSCO (where applicable).
This has become the most common rejection reason, where approximately 35% to 40% of loans are rejected due to this. Different banks have a different DSR cut-off or capping (eg: 60%, 70%, or some even up to 80%).
Sometimes, you just need to pay off some of your debts, if you have some fixed repayment debts which are close to the maturity of your facility, find a way to pay it off or consolidate them to other products with a longer repayment period.
If you have secured loans, sometimes it's good to move them out of your CCRIS to free up and making you more DSR friendly.
Find out how the bank you are applying for calculates and assume your monthly commitments. If you are currently paying at a lower amount, prove it and justify them. Banks normally would be able to accept it, if you're able prove it.
Different banks have different DSR cut off, do find out and apply for those which favours you more.
Income documentation is the most common area where an application may be declined. Different banks have different income documentation requirements and will also have a different method of deriving income from the documents submitted. This means that from the same document you have provided, banks may derive income with a variance of up to 50%.
This is often the case when you did not provide sufficient documentation or it is variable (fluctuates in nature).
Generally, for a fixed income earner, the key item to show here is that you contribute EPF and pay your taxes. This would be stated in your pay slips if that is the required income document.
For variable income earners / commission earners (which includes fixed income earners with a portion of the income contributed by allowances or incentives), the key here is to show income stability.
Banks will need sufficient months' of income, typically over 6 month period. Where there is a high volatility in your income (in certain months), you should provide more documentation to justify your income stability. Ensure your bank knows if you are on a quarter, half or yearly commission schemes, as you do not want to be viewed as an individual with very high variances in monthly earnings.
For business owners, improper maintenances of your business paperwork may lead you towards not getting any loans approved. Typically you will need to have a business with at least 2 years in operation, on top of a good audited P&L or good transactions (proved in bank statements). This is to demonstrate that the business has a stable income. Similar to a commission earner, proving income stability is vital.
You may need at least 3 to 6 months of employment history in order for you to obtain your very first loan. Having a job that provides EPF contribution even though your income is not high is vital. Certain banks may not offer you a loan if your salary is paid by cash deposit.
Just landing on your next big job with a 50% increment in salary may not necessarily mean that you increase your chances of getting a mortgage loan. Continuity of employment and how long have you worked with an employer is an important factor in getting that loan approved.
Other substantiations can also help justify if you are in this scenario. For example justifying that you are progressing to a new job in the same industry with a better remuneration helps. Other documents to support your applications such as employment confirmation letter or previous employment income history may also help.
If you are deeply indebted or have too many credit problems, regardless of how many banks you might have tried, you might not succeed in obtaining a mortgage approval.
In this scenario, you will need to get your finances in order first. Especially, when you wanted to buy a new property. All the above reasons that might cause your mortgage application decline can be mitigated or overcome. There are many ways where you can start preparing and getting yourself accepted by the banks. So step up and grab the next big deal that comes to you.
'Good things come to those who wait. But better things come to those who work for it'. Start improving and get yourself prepared to be loan-able. Get your money management right and be ready to own your dream property when the time comes!
Gary has more than 11 years of banking experience, both in local and international banks. He turns his extensive knowledge and banking experience into his benefits and SMART financing that has given him an edge in his property investment journey. He contributes his views, comments and insights to property magazines & conventions. He is the CEO of SMART Financing where he shares his financial knowledge and experiences with his members and helps them master the skills on achieving financial freedom via responsible & smart leveraging.


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text:
<?php

namespace Zend\Cache\Storage\Adapter;

use ArrayObject;
use stdClass;
use Zend\Cache\Exception;
use Zend\Cache\Storage\AvailableSpaceCapableInterface;
use Zend\Cache\Storage\Capabilities;
use Zend\Cache\Storage\ClearByPrefixInterface;
use Zend\Cache\Storage\ClearExpiredInterface;
use Zend\Cache\Storage\FlushableInterface;
use Zend\Cache\Storage\IterableInterface;
use Zend\Cache\Storage\TaggableInterface;
use Zend\Cache\Storage\TotalSpaceCapableInterface;

/**
 * @category   Zend
 * @package    Zend_Cache
 * @subpackage Storage
 */
class Memory extends AbstractAdapter implements
    AvailableSpaceCapableInterface,
    ClearByPrefixInterface,
    ClearExpiredInterface,
    FlushableInterface,
    IterableInterface,
    TaggableInterface,
    TotalSpaceCapableInterface
{
    /**
     * Data Array
     *
     * Format:
     * array(
     *     <NAMESPACE> => array(
     *         <KEY> => array(
     *             0 => <VALUE>
     *             1 => <MICROTIME>
     *             ['tags' => <TAGS>]
     *         )
     *     )
     * )
     *
     * @var array
     */
    protected $data = array();

    /**
     * Set options.
     *
     * @param  array|\Traversable|MemoryOptions $options
     * @return Memory
     * @see    getOptions()
     */
    public function setOptions($options)
    {
        if (!$options instanceof MemoryOptions) {
            $options = new MemoryOptions($options);
        }

        return parent::setOptions($options);
    }

    /**
     * Get options.
     *
     * @return MemoryOptions
     * @see setOptions()
     */
    public function getOptions()
    {
        if (!$this->options) {
            $this->setOptions(new MemoryOptions());
        }
        return $this->options;
    }

    /* TotalSpaceCapableInterface */

    /**
     * Get total space in bytes
     *
     * @return int|float
     */
    public function getTotalSpace()
    {
        return $this->getOptions()->getMemoryLimit();
    }

    /* AvailableSpaceCapableInterface */

    /**
     * Get available space in bytes
     *
     * @return int|float
     */
    public function getAvailableSpace()
    {
        $total = $this->getOptions()->getMemoryLimit();
        $avail = $total - (float) memory_get_usage(true);
        return ($avail > 0) ? $avail : 0;
    }

    /* IterableInterface */

    /**
     * Get the storage iterator
     *
     * @return MemoryIterator
     */
    public function getIterator()
    {
        $ns   = $this->getOptions()->getNamespace();
        $keys = array();

        if (isset($this->data[$ns])) {
            foreach ($this->data[$ns] as $key => & $tmp) {
                if ($this->internalHasItem($key)) {
                    $keys[] = $key;
                }
            }
        }

        return new KeyListIterator($this, $keys);
    }

    /* FlushableInterface */

    /**
     * Flush the whole storage
     *
     * @return boolean
     */
    public function flush()
    {
        $this->data = array();
        return true;
    }

    /* ClearExpiredInterface */

    /**
     * Remove expired items
     *
     * @return boolean
     */
    public function clearExpired()
    {
        $ttl = $this->getOptions()->getTtl();
        if ($ttl <= 0) {
            return true;
        }

        $ns = $this->getOptions()->getNamespace();
        if (!isset($this->data[$ns])) {
            return true;
        }

        $data = & $this->data[$ns];
        foreach ($data as $key => & $item) {
            if (microtime(true) >= $data[$key][1] + $ttl) {
                unset($data[$key]);
            }
        }

        return true;
    }

    /* ClearByPrefixInterface */

    /**
     * Remove items matching given prefix
     *
     * @param string $prefix
     * @return boolean
     */
    public function clearByPrefix($prefix)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!isset($this->data[$ns])) {
            return true;
        }

        $prefixL = strlen($prefix);
        $data    = & $this->data[$ns];
        foreach ($data as $key => & $item) {
            if (substr($key, 0, $prefixL) === $prefix) {
                unset($data[$key]);
            }
        }

        return true;
    }

    /* TaggableInterface */

    /**
     * Set tags to an item by given key.
     * An empty array will remove all tags.
     *
     * @param string   $key
     * @param string[] $tags
     * @return boolean
     */
    public function setTags($key, array $tags)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!$this->data[$ns]) {
            return false;
        }

        $data = & $this->data[$ns];
        if (isset($data[$key])) {
            $data[$key]['tags'] = $tags;
            return true;
        }

        return false;
    }

    /**
     * Get tags of an item by given key
     *
     * @param string $key
     * @return string[]|FALSE
    */
    public function getTags($key)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!$this->data[$ns]) {
            return false;
        }

        $data = & $this->data[$ns];
        if (!isset($data[$key])) {
            return false;
        }

        return isset($data[$key]['tags']) ? $data[$key]['tags'] : array();
    }

    /**
     * Remove items matching given tags.
     *
     * If $disjunction only one of the given tags must match
     * else all given tags must match.
     *
     * @param string[] $tags
     * @param boolean  $disjunction
     * @return boolean
    */
    public function clearByTags(array $tags, $disjunction = false)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!$this->data[$ns]) {
            return true;
        }

        $tagCount = count($tags);
        $data     = & $this->data[$ns];
        foreach ($data as $key => & $item) {
            if (isset($item['tags'])) {
                $diff = array_diff($tags, $item['tags']);
                if (($disjunction && count($diff) < $tagCount) || (!$disjunction && !$diff)) {
                    unset($data[$key]);
                }
            }
        }

        return true;
    }

    /* reading */

    /**
     * Internal method to get an item.
     *
     * @param  string  $normalizedKey
     * @param  boolean $success
     * @param  mixed   $casToken
     * @return mixed Data on success, null on failure
     * @throws Exception\ExceptionInterface
     */
    protected function internalGetItem(& $normalizedKey, & $success = null, & $casToken = null)
    {
        $options = $this->getOptions();
        $ns      = $options->getNamespace();
        $success = isset($this->data[$ns][$normalizedKey]);
        if ($success) {
            $data = & $this->data[$ns][$normalizedKey];
            $ttl  = $options->getTtl();
            if ($ttl && microtime(true) >= ($data[1] + $ttl) ) {
                $success = false;
            }
        }

        if (!$success) {
            return null;
        }

        $casToken = $data[0];
        return $data[0];
    }

    /**
     * Internal method to get multiple items.
     *
     * @param  array $normalizedKeys
     * @return array Associative array of keys and values
     * @throws Exception\ExceptionInterface
     */
    protected function internalGetItems(array & $normalizedKeys)
    {
        $options = $this->getOptions();
        $ns      = $options->getNamespace();
        if (!isset($this->data[$ns])) {
            return array();
        }

        $data = & $this->data[$ns];
        $ttl  = $options->getTtl();
        $now  = microtime(true);

        $result = array();
        foreach ($normalizedKeys as $normalizedKey) {
            if (isset($data[$normalizedKey])) {
                if (!$ttl || $now < ($data[$normalizedKey][1] + $ttl) ) {
                    $result[$normalizedKey] = $data[$normalizedKey][0];
                }
            }
        }

        return $result;
    }

    /**
     * Internal method to test if an item exists.
     *
     * @param  string $normalizedKey
     * @param  array  $normalizedOptions
     * @return boolean
     * @throws Exception\ExceptionInterface
     */
    protected function internalHasItem(& $normalizedKey)
    {
        $options = $this->getOptions();
        $ns      = $options->getNamespace();
        if (!isset($this->data[$ns][$normalizedKey])) {
            return false;
        }

        // check if expired
        $ttl = $options->getTtl();
        if ($ttl && microtime(true) >= ($this->data[$ns][$normalizedKey][1] + $ttl) ) {
            return false;
        }

        return true;
    }

    /**
     * Internal method to test multiple items.
     *
     * @param  array $keys
     * @return array Array of found keys
     * @throws Exception\ExceptionInterface
     */
    protected function internalHasItems(array & $normalizedKeys)
    {
        $options = $this->getOptions();
        $ns      = $options->getNamespace();
        if (!isset($this->data[$ns])) {
            return array();
        }

        $data = & $this->data[$ns];
        $ttl  = $options->getTtl();
        $now  = microtime(true);

        $result = array();
        foreach ($normalizedKeys as $normalizedKey) {
            if (isset($data[$normalizedKey])) {
                if (!$ttl || $now < ($data[$normalizedKey][1] + $ttl) ) {
                    $result[] = $normalizedKey;
                }
            }
        }

        return $result;
    }

    /**
     * Get metadata of an item.
     *
     * @param  string $normalizedKey
     * @return array|boolean Metadata on success, false on failure
     * @throws Exception\ExceptionInterface
     *
     * @triggers getMetadata.pre(PreEvent)
     * @triggers getMetadata.post(PostEvent)
     * @triggers getMetadata.exception(ExceptionEvent)
     */
    protected function internalGetMetadata(& $normalizedKey)
    {
        if (!$this->internalHasItem($normalizedKey)) {
            return false;
        }

        $ns = $this->getOptions()->getNamespace();
        return array(
            'mtime' => $this->data[$ns][$normalizedKey][1],
        );
    }

    /* writing */

    /**
     * Internal method to store an item.
     *
     * @param  string $normalizedKey
     * @param  mixed  $value
     * @return boolean
     * @throws Exception\ExceptionInterface
     */
    protected function internalSetItem(& $normalizedKey, & $value)
    {
        $options = $this->getOptions();

        if (!$this->hasAvailableSpace()) {
            $memoryLimit = $options->getMemoryLimit();
            throw new Exception\OutOfSpaceException(
                "Memory usage exceeds limit ({$memoryLimit})."
            );
        }

        $ns = $options->getNamespace();
        $this->data[$ns][$normalizedKey] = array($value, microtime(true));

        return true;
    }

    /**
     * Internal method to store multiple items.
     *
     * @param  array $normalizedKeyValuePairs
     * @return array Array of not stored keys
     * @throws Exception\ExceptionInterface
     */
    protected function internalSetItems(array & $normalizedKeyValuePairs)
    {
        $options = $this->getOptions();

        if (!$this->hasAvailableSpace()) {
            $memoryLimit = $options->getMemoryLimit();
            throw new Exception\OutOfSpaceException(
                "Memory usage exceeds limit ({$memoryLimit})."
            );
        }

        $ns = $options->getNamespace();
        if (!isset($this->data[$ns])) {
            $this->data[$ns] = array();
        }

        $data = & $this->data[$ns];
        $now  = microtime(true);
        foreach ($normalizedKeyValuePairs as $normalizedKey => $value) {
            $data[$normalizedKey] = array($value, $now);
        }

        return array();
    }

    /**
     * Add an item.
     *
     * @param  string $normalizedKey
     * @param  mixed  $value
     * @return boolean
     * @throws Exception\ExceptionInterface
     */
    protected function internalAddItem(& $normalizedKey, & $value)
    {
        $options = $this->getOptions();

        if (!$this->hasAvailableSpace()) {
            $memoryLimit = $options->getMemoryLimit();
            throw new Exception\OutOfSpaceException(
                "Memory usage exceeds limit ({$memoryLimit})."
            );
        }

        $ns = $options->getNamespace();
        if (isset($this->data[$ns][$normalizedKey])) {
            return false;
        }

        $this->data[$ns][$normalizedKey] = array($value, microtime(true));
        return true;
    }

    /**
     * Internal method to add multiple items.
     *
     * @param  array $normalizedKeyValuePairs
     * @return array Array of not stored keys
     * @throws Exception\ExceptionInterface
     */
    protected function internalAddItems(array & $normalizedKeyValuePairs)
    {
        $options = $this->getOptions();

        if (!$this->hasAvailableSpace()) {
            $memoryLimit = $options->getMemoryLimit();
            throw new Exception\OutOfSpaceException(
                "Memory usage exceeds limit ({$memoryLimit})."
            );
        }

        $ns = $options->getNamespace();
        if (!isset($this->data[$ns])) {
            $this->data[$ns] = array();
        }

        $result = array();
        $data   = & $this->data[$ns];
        $now    = microtime(true);
        foreach ($normalizedKeyValuePairs as $normalizedKey => $value) {
            if (isset($data[$normalizedKey])) {
                $result[] = $normalizedKey;
            } else {
                $data[$normalizedKey] = array($value, $now);
            }
        }

        return $result;
    }

    /**
     * Internal method to replace an existing item.
     *
     * @param  string $normalizedKey
     * @param  mixed  $value
     * @return boolean
     * @throws Exception\ExceptionInterface
     */
    protected function internalReplaceItem(& $normalizedKey, & $value)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!isset($this->data[$ns][$normalizedKey])) {
            return false;
        }
        $this->data[$ns][$normalizedKey] = array($value, microtime(true));

        return true;
    }

    /**
     * Internal method to replace multiple existing items.
     *
     * @param  array $normalizedKeyValuePairs
     * @return array Array of not stored keys
     * @throws Exception\ExceptionInterface
     */
    protected function internalReplaceItems(array & $normalizedKeyValuePairs)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!isset($this->data[$ns])) {
            return array_keys($normalizedKeyValuePairs);
        }

        $result = array();
        $data   = & $this->data[$ns];
        foreach ($normalizedKeyValuePairs as $normalizedKey => $value) {
            if (!isset($data[$normalizedKey])) {
                $result[] = $normalizedKey;
            } else {
                $data[$normalizedKey] = array($value, microtime(true));
            }
        }

        return $result;
    }

    /**
     * Internal method to reset lifetime of an item
     *
     * @param  string $normalizedKey
     * @return boolean
     * @throws Exception\ExceptionInterface
     */
    protected function internalTouchItem(& $normalizedKey)
    {
        $ns = $this->getOptions()->getNamespace();

        if (!isset($this->data[$ns][$normalizedKey])) {
            return false;
        }

        $this->data[$ns][$normalizedKey][1] = microtime(true);
        return true;
    }

    /**
     * Internal method to remove an item.
     *
     * @param  string $normalizedKey
     * @return boolean
     * @throws Exception\ExceptionInterface
     */
    protected function internalRemoveItem(& $normalizedKey)
    {
        $ns = $this->getOptions()->getNamespace();
        if (!isset($this->data[$ns][$normalizedKey])) {
            return false;
        }

        unset($this->data[$ns][$normalizedKey]);

        // remove empty namespace
        if (!$this->data[$ns]) {
            unset($this->data[$ns]);
        }

        return true;
    }

    /**
     * Internal method to increment an item.
     *
     * @param  string $normalizedKey
     * @param  int    $value
     * @return int|boolean The new value on success, false on failure
     * @throws Exception\ExceptionInterface
     */
    protected function internalIncrementItem(& $normalizedKey, & $value)
    {
        $ns   = $this->getOptions()->getNamespace();
        $data = & $this->data[$ns];
        if (isset($data[$normalizedKey])) {
            $data[$normalizedKey][0]+= $value;
            $data[$normalizedKey][1] = microtime(true);
            $newValue = $data[$normalizedKey][0];
        } else {
            // initial value
            $newValue             = $value;
            $data[$normalizedKey] = array($newValue, microtime(true));
        }

        return $newValue;
    }

    /**
     * Internal method to decrement an item.
     *
     * @param  string $normalizedKey
     * @param  int    $value
     * @return int|boolean The new value on success, false on failure
     * @throws Exception\ExceptionInterface
     */
    protected function internalDecrementItem(& $normalizedKey, & $value)
    {
        $ns   = $this->getOptions()->getNamespace();
        $data = & $this->data[$ns];
        if (isset($data[$normalizedKey])) {
            $data[$normalizedKey][0]-= $value;
            $data[$normalizedKey][1] = microtime(true);
            $newValue = $data[$normalizedKey][0];
        } else {
            // initial value
            $newValue             = -$value;
            $data[$normalizedKey] = array($newValue, microtime(true));
        }

        return $newValue;
    }

    /* status */

    /**
     * Internal method to get capabilities of this adapter
     *
     * @return Capabilities
     */
    protected function internalGetCapabilities()
    {
        if ($this->capabilities === null) {
            $this->capabilityMarker = new stdClass();
                $this->capabilities = new Capabilities(
                $this,
                $this->capabilityMarker,
                array(
                    'supportedDatatypes' => array(
                        'NULL'     => true,
                        'boolean'  => true,
                        'integer'  => true,
                        'double'   => true,
                        'string'   => true,
                        'array'    => true,
                        'object'   => true,
                        'resource' => true,
                    ),
                    'supportedMetadata'  => array('mtime'),
                    'minTtl'             => 1,
                    'maxTtl'             => PHP_INT_MAX,
                    'staticTtl'          => false,
                    'ttlPrecision'       => 0.05,
                    'expiredRead'        => true,
                    'maxKeyLength'       => 0,
                    'namespaceIsPrefix'  => false,
                    'namespaceSeparator' => '',
                )
            );
        }

        return $this->capabilities;
    }

    /* internal */

    /**
     * Has space available to store items?
     *
     * @return boolean
     */
    protected function hasAvailableSpace()
    {
        $total = $this->getOptions()->getMemoryLimit();

        // check memory limit disabled
        if ($total <= 0) {
            return true;
        }

        $free = $total - (float) memory_get_usage(true);
        return ($free > 0);
    }
}

redpajama_set_name: RedPajamaGithub


The Lopi Endeavour is a medium sized stove and the number one best selling stove from the Lopi brand. The stove features one of the most efficient and greenest fireboxes of any mid-sized wood stove at only 1.9 grams of emissions per hour. The box can also hold wood logs of up to 18″ in length helping to increase the burning time and reduce the need for refueling as often.
In addition, the Endeavour offers the closest clearance of any wood stove in the industry – as close as 4-1/4″ to a rear combustible surface. It's also fitted with an extra large door opening, enabling you to load wood logs with ease. The Endeavour can be installed in multiple locations, including hearths, alcoves and mobile homes.


My contractor used windows from Kaycan as part of a larger renovation. Not happy with the quality of the double hung windows. Top window does stay up and the plastic snags when going up and down. Would not use again.
Looking for Shutters & Blinds pros in Toronto?


Thought adding this here was better than starting a new topic.
I stumbled on a Bendix site the other day,in the column on right is a list of PDF's so I took a look... They may come in useful,in the Illustrated parts guide are charts with size listings. One in particular is brake drums,as we all know many IH drums are NLA/scarce. This list may just have a suitable replacement for some of them.
I recommend downloading them,the site is slow and opening them from my puter is almost instant (requires Adobe Reader).I have also discovered you can copy & paste from PDF's this way.
I also recommend loading the Catalog Instructions listed further down. As usual Bendix uses their own part numbering system unlike other mfrs that (pretty much) use the "industry standard" system.
They're well worth adding to your bookmarks,list or library.
12 yrs.exp. in IH dealer parts dept.
If you don't have anything nice to say...say nothing.
If you don't learn something new everyday...you weren't paying attention.
THINK! Be sure brain is connected before mouth is in gear.
I know they don't Kevin,but they should! They just might find what they're looking for without having to ask.More need to post too!
I plan on adding more links,maybe a page with all I have bookmarked which are categorized.
That would be wonderful Scott! Once done, I am sure Jim would also post it on the "main" site so it resides in two different areas on two different servers.


Debonair, charismatic British actor Patrick McGoohan asked those questions in the 1960s during a visit to Portmeirion Village in Wales. The result was The Prisoner, an iconic miniseries that remains a cult favorite.
It's not surprising that Portmeirion inspired a classic. Sitting on the edge of an estuary, Portmeirion has the look and feel of a hillside Italian village in miniature. Upon seeing it for the first time, I let out an involuntary gasp at the stunning, elegant buildings and the abundant nature surrounding them.
Portmeirion was the brainchild of Clough Williams-Ellis, who asked himself, what if he could create beauty without disturbing the surrounding environment? He spent 50 years working on the answer.
What if? It's my favorite question. Sometimes "what if" paralyzes me with fear when I'm trying something new and fear the worst. "What if" helps me plan ahead and solve problems before they happen. "What if" ponders my fate had I made different choices as a young woman.
As a writer, I rely on "what if" to come up with story ideas. What if an ambitious female money manager gets caught up in the Madoff scandal and loses the life she knew? What if a troubled young woman with low self-esteem and a burgeoning alcohol problem is the only person who can stop a dangerous bully? What if my great-great grandmother, the one who bore a child out of wedlock and died ten months later of typhoid, was not the victim her story would suggest?
"What if" brought me to Wales. When we decided to visit the U.K., I said, "What if I ask Juliet Greenwood, a Welsh author I met online, if she wants to meet in person?" I did ask, and she said yes. We met first in her home, then she joined us later to relax in Portmeirion.
Juliet recently wrote about her visit here. As you will see, she gathered some incredible nighttime photos!
Juliet is one of those writers for whom I have great respect. She works hard at her craft and has created two lovely novels, Eden's Garden and We That Are Left. Getting to know her better in person in Portmeirion made the experience that more magical.
What if I worked as hard to build my stories and skills as Juliet does? Hmm. Something to think about.
Thanks to my friend Tina Fariss Barbour of Bringing Along OCD, I have hooked up with Nancy's A Rural Journal for Random Five Friday. Don't know what I'm getting into yet, but I'll see how it goes! I invite you to visit these blogs and participate in Nancy's Random 5 if you so choose.
It's been a great harvest week for the garden. Blueberries, onions, artichokes, and lots of tomatoes! I've had a bumper crop of peas and have frozen several batches, but they're just about done for the year. The pumpkins are blooming and zucchinis are forming.
I volunteer at the office of our local public theatre, Key City Public Theatre. We've had a hectic week, selling lots of tickets to a musical history of the world, The Big Bang, and getting ready for Shakespeare in the Park. My husband is an actor who will be performing in Much Ado About Nothing.
I didn't write a regular blog post this week. Well, actually I wrote several, but nothing feels ready for prime time. Bear with me. I'm hoping that by doing this Random 5, I'll get back to a regular routine, including book reviews and blog recommendations.
My latest novel concerns a Manhattan-based financial planner who gets unwittingly swept up in the Madoff scandal. At the same time, her estranged aunt has died and left her a house on *cough* the Olympic Peninsula. Soon I plan to start sharing my draft with you.
I've learned that it's impossible to predict the weather here on the Peninsula. When we lived in Houston, we would not only know that a storm was headed our way, but we would know when it would arrive. Here, the forecasts are useless. The other day we had a predicted high of 81, but it hit 63. There was no rain in the forecast, but my deck was wet this morning. Go figure.


Carol & Bill Looney are seasoned Human Resources professionals with more than 50 years of combined experience in HR. We founded and co-own Signature HR Solutions, LLC, a consulting firm that specializes in human resources and advisory services, employee relations, HR and legal compliance and customized training solutions for companies of all sizes and needs. We have extensive experience at single and multi-site employers in warehousing, transportation and logistics, engineering, insurance and health care. Our diverse backgrounds demonstrate that our skills are transferable across many types of clients ranging from 5 to 5,000 employees. We focus on building ongoing relationships to understand needs and maximize results. We are seen as a business partner, HR resource and confidant to all levels of employees.
We each possess a unique blend of experience in both family owned businesses as well as global corporations. We are able to create sustainable processes that will increase employee engagement and retention, streamline practices, maintain legal compliance and add to the growth and profit of her clients.
Our firm has developed a reputation of being approachable and down to earth, while offering practical solutions to issues and concerns. We will ensure that we will not only understand your unique needs but also that we will be able to customize solutions that work for you. We are active members of the Worcester Regional Chamber of Commerce and the Corridor Nine Area Chamber of Commerce. We each gained our SPHR certification in 2007 and became a Certified Workforce Planner in 2015. We are also members of SHRM and NEHRA, which are highly regarded HR professional organizations.
Prior to founding Signature HR Solutions, LLC, Carol held HR positions of increasing responsibility at Kmart, FedEx Freight, Boston Scientific, Republic Services and Salmon Health & Retirement. Bill held similar HR leadership positions at Worcester Envelope Company, FedEx Freight, Danaher Corporation, and Allegro MicroSystems.


Positive (+1): Makes a very good survey.
Rating given for Randoom's post in I GOT SOMETHIN TA SAY!!! READ!
Positive (+1): The best moderator on NGG!
Positive (+1): He insulted my dad.
Rating given for Randoom's post in Post pics of your pets!
Rating given for Randoom's post in Why are you only allowed one intro?


text:
Dietrich Muller-Doblies (n. 1938) és un taxònom de plantes de nacionalitat alemanya.

Els grups de plantes en els quals ha centrat el seu interès són els briòfits, els espermatòfits, els Liliòpsids, les amaril·lidàcies, les colquicàcies i les jacintàcies.

Desenvolupa la seva activitat científica en l'Herbari de la Universitat Tècnica de Berlín, on ha arribat a ser Director

Algunes publicacions
 k. Weichhardt-Kulessa, t. Börner, j. Schmitz, o. Müller-Doblies, d. Müller-Doblies. 2000 Controversial taxonomy of Strumariinae (Amaryllidaceae) investigated by nuclear rDNA (ITS) sequences. Plant Systematics and Evolution (Ausgabe 00004/2000)

 c. Neinhuis, o. Muller-Doblies, d. Muller-Doblies. 1996 Psammophora and other sand-coated plants from southern Africa. In: Feddes repertorium. - vol. 107

 d. Muller-Doblies. 1977 Die Moose von Berlin und Montpeller: Ein stratigraphischer Vergleich zwischen mitteleuropäischen und mediterranem Florengebiet am Beispiel zweier Lokalfloren

Capítols de llibres
  († 1759-1840). The lilies. Taschen, Köln, Alemania. 2000 (1 vol.) (en, fr, al)

Editora
 2004. Beiträge zur Biologie der Pflanzen. Vol 73. Editor Duncker & Humblot

Referències

Enllaços externs

Botànics alemanys
Escriptors alemanys en alemany
Escriptors en anglès
Professors de la Universitat Tècnica de Berlín

redpajama_set_name: RedPajamaWikipedia


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text:
Q: llvm error: Relocation not implemented yet! when running RxCpp in orcjit or lli I would like to run RxCpp example in llvm's IR interpreter lli.
Unfortunately, running any of the RxCpp examples fails in lli:
git clone https://github.com/Reactive-Extensions/RxCpp.git --depth 1
cd RxCpp/Rx/v2/examples/pythogerian
clang++ -S -emit-llvm -fno-use-cxa-exit -I../../src main.cpp
lli main.ll

error-message:
Relocation type not implemented yet!
UNREACHABLE executed at llvm/lib/ExecutionEngine/RuntimeDyld/RuntimeDyldELF.cpp:232!

Questions:
What does this error exactly mean ? - what assumptions are made within llvm's orc-jit that are not satisfied ?
Is there a workaround ? - are there any LLVM-IR transformations i can apply to make this work(e.g. through a compiler-flag) ?
What special features is RxCpp using that cause this problem in llvm's orcjit ?
tested on:
clang version 5.0.0 (https://github.com/llvm-mirror/clang.git 6c9e299494de2a5b0425e46bc937f29a05128252)
clang version 4.0.0-+rc1-1 (tags/RELEASE_400/rc1)
clang version 3.9.0-1 (tags/RELEASE_390/final)
clang version 3.8.1-12 (tags/RELEASE_381/final)
Target: x86_64-pc-linux-gnu
Thread model: posix
InstalledDir: /usr/bin

A: Seems to be an issue with thread_local / __thread.
Replacing #define RXCPP_THREAD_LOCAL __thread in rx-utils.hpp with whitespace "fixes" this issue.
The reason is a failure in the LLVM backend as it does not support TLS yet. This is related to Bug 21431 and the fact that some relocation strategies are missing in llvm's RuntimeDyld.

redpajama_set_name: RedPajamaStackExchange


Hey! The name's Yuuto(Yeah, I'm Yuuto and my girlfriend is Mikoto and we're both is Cross Edge main character -_-; Just kidding lol xDDD) Feel free to tell me if I'm doing mistakes. After all, we're human no?
...I keep it simple as always.
The name's Sieghart and my age is 23 at this year. I don't talk too much and I will likely very busy so I rarely reply if you send me a PM. Send it at your own risk.
>.< What this is mean~? "At my own risk"? So if Sphilia-neechan send you a PM, you will kill her~?
...Of course not, ya daft girl.
Thanks for inviting me to something like this but who this idea at first?
And you already done a great job as Admin, Sphilia. Nevermind what the others said and keep concencration at your job now.
Ara~Anyway, we're shouldn't go off-topic ne~?
Off-Topic...hmmm...A-ha! Can I create Off-Topic Topic?
>_> What do you mean?
...Get back to topic guys before there's any member confused.
Okay everyone, I'm the one who invited him to here. Even this forums is not completed yet, but I invite him as VIP member XD I think we're need more hand to handle many things in this forums (aside Siggy is the busy one) and...so...here he are. ^_^; Forgive my rudeness, minna.
Welcom in here nii~How's my(our) forums?
I thought no one can access this forums? Oh well, it's up to Sphilia. Welcome in here newbie. Can ya resize your avatar to 100x100. I think your avatar is too big, that's all.
Well, I've told my my opinions on AIM no?


Gill Hamilton, now living in Perth, Australia, has sent details of her life in the village as an evacuee from 1939-45.
She had been living as a small child in Portsmouth before she came to live with Canon and Mrs Morley and about 18 other evacuees in Buriton Rectory.
Her memories, supplemented by contributions from companions Liz Payne and Jane Hunt, describe life at the Rectory, at school, their food (and cod liver malt!), bath-times, punishment and Christmas activities during the wartime.
The account will be incorporated into the work of the Buriton Heritage Bank initiative – but if anyone has any information about evacuees in Buriton during the Second World War please please get in touch via heritage@buriton.org.uk.


One of the most overproduced John Grisham film adaptations is taken from his first book. It would be far too easy to point out the drawbacks of this dramatic debacle (overly long running time, deceptively simple political issues dressed up as complex themes), so we'll concentrate on the positive: this was the film that introduced the world to the one and only Matthew McConaughey, and was the perfect vehicle for doing so. Coming off like an unbridled Paul Newman for the nineties, McConaughey commands the camera with a star quality not seen in a newcomer in decades. Sandra Bullock's top-billed name was used to draw audiences in, but once they got in their seats it was nothing but the film's new star that they were thinking about (especially since Bullock's part is little more than a supporting cameo). McConaughey plays a green lawyer who takes on the task of defending Samuel L. Jackson after he shoots the two men who raped and murdered his little girl. In court, McConaughey must contend with a hot-shot pro (Kevin Spacey) and the entire population of his Mississippi hometown, where southern race relations are a firebomb to the entire case and threaten to estrange the lawyer from his family (including Ashley Judd as his wife) and fledgling law practice (with Brenda Fricker as his secretary). Unfortunately, after all the starmaking power and hot-potato issues have been gone through, you're still left with a bloated epic that never seems to feel like it has said anything important to any member of its audience.


Hi! My name is Katie Hancock and I teach both the AVID elective, as well as the Wonders of Math elective.
This is my eleventh year teaching. I have actually spent most of my time here at Highland Middle School. I have been here since the school opened back in 2014. During my time here I am "best known" as a 7th grade math/pre-algebra teacher, but I have also taught 7th grade science, advanced 6th grade math, STEM, and have served as the AIG lead teacher. Prior to working at Highland, I taught 6th and 7th grade math at Overhills Middle, so I have had the opportunity to teach many sets of siblings! In addition to my middle school experience, I also worked at an inner-city elementary school in Charleston, SC teaching math and science to fifth graders.
While I started out as a Chemistry major at NC State (hence my love for NC State basketball), after my freshman year, I decided to change my major to Elementary Education and transferred to Appalachian State in Boone, NC where I eventually graduated. I started my master's degree at the College of Charleston during my first year teaching in Math and Science Education. I took a break for a few years, then was right back at it, getting my AIG licensure from Duke University. And finally, just last year, I received my National Board Certification in Early Adolescence Mathematics.
One of the things I like most about Highland is large population of military dependents in our school. I was born on Ft. Bragg, and grew up a military brat. My dad served in the Army for 30 years, so I can related to living in countless states and other countries. I have been married for 8 years to my husband Nolan who is a district attorney. We have one ADORABLE daughter Emerson, who is 5 years old, and a chubby English Bulldog named Bella.
Despite the crazy, I absolutely love teaching middle school. I look forward to working with you and your child. Please don't hesitate to contact me if you need anything.


text:
Q: What is default CONSOLE_LOG_PATTERN used for Spring Boot logging and where to find it? The Spring Boot reference documentation 4.6. Custom Log Configuration states about the default system properties representing a default logging pattern to use on the console (only supported with the default Logback setup).

*

*Spring Environment: logging.pattern.console

*System Property: CONSOLE_LOG_PATTERN
I guess the default log line look is familiar for all the Spring Boot framework users:
2020-08-04 12:00:00.000  INFO 24568 --- [           main] c.c.MyWonderfulSpringApplication          : The following profiles are active: local

As long as I want to take look on how it looks and get inspired for defining my own one, where can I find this default value for a currently used version of Spring Boot?

A: If you are using logback-spring.xml, then adding the following to your xml would automatically pick up spring's default logback configuration for console appender.

<include resource="org/springframework/boot/logging/logback/defaults.xml"/>
<include resource="org/springframework/boot/logging/logback/console-appender.xml" />
<root level="INFO">
    <appender-ref ref="CONSOLE" />
</root>

Reference: https://docs.spring.io/spring-boot/docs/2.2.6.RELEASE/reference/html/howto.html#howto-configure-logback-for-logging

A: I have just found out this configuration is available at the DefaultLogbackConfiguration file under Spring Boot project:
private static final String CONSOLE_LOG_PATTERN = "%clr(%d{${LOG_DATEFORMAT_PATTERN:-yyyy-MM-dd HH:mm:ss.SSS}}){faint} "
            + "%clr(${LOG_LEVEL_PATTERN:-%5p}) %clr(${PID:- }){magenta} %clr(---){faint} "
            + "%clr([%15.15t]){faint} %clr(%-40.40logger{39}){cyan} "
            + "%clr(:){faint} %m%n${LOG_EXCEPTION_CONVERSION_WORD:-%wEx}";

To find the pattern for a certain Spring Boot version, either:

*

*Browse the source file available at GitHub: Spring Boot 2.3.x

*In IntelliJ Idea press 2x Left Shift and fulltext search for DefaultLogbackConfiguration
The source of my finding is https://www.logicbig.com/tutorials/spring-framework/spring-boot/logging-console-pattern.html.


The energy body (sometimes called the outerbody, aura or light body) is a part of your vibrational physiology which is currently accelerating in its evolutionary development. Everyone has an energy body, and everyone can learn to work with it. Expanding and regulating it is the key to using GEN.
The energy body is a bioplasmic extension of your physical body that consists of many layers of vibrational life force. It merges with, nourishes, and protects your physical form. Your organs, bones, muscles, glands, etc. all derive life force from the activity of your energy body. Even though this layer of you is not visible to most people, it has very specific functions and activities.
With conscious expansion of the energy body, a whole new dimension becomes a part of life.
A series of Vibrational Membranes: These membranes are usually called the etheric, emotional/astral, and mental bodies. They are semi-permeable and can be activated and regulated with the mind.
Chakras: Chakras are vortexes of energy centered in the etheric body. They are dynamic conduits that connect our physical form to the higher frequency layers of the energy body.
Kundalini Channels: The kundalini channels are pathways of energy that become more active during consciousness awakening processes. They eventually function as an evolved DNA for the light body.
The Abstract Mind: The abstract mind is an energetic extension of the brain that functions outside of the cranium. It enables abstract thinking and the perception of 'synthesis of opposites' as reality.


Our company has recently invested in a Microsoft Small Business Server, we are moving all our email accounts to exchange server.
We run a high profile website in Japan and we have a few email accounts such as info@domain.com that are downloaded by multiple staff, rather than have all staff download the same emails is it possible to have all emails forwarded to a public inbox where emails processed can be marked and ignored by other staff?
We do not want to forward the emails to user's personal inboxes, this seems to be the common solution for this type of email.
This might sound like a basic questions but we have trolled the internet for best practices in handling group emails with exchange but have not come across an answer.
This sounds like a job for a Public Folder.
You can create a Public Folder with the info@ email addy, and assign the appropriate users permissions to the folder. This folder will appear in the Public Folders section of everyone's Outlook. Further, if you go into the Folder's properties, and UNCHECK the option "Maintain per-user read and unread information" I believe this will give you the functionality that you're looking for. And/Or you can create a "PROCESSED" folder under the subject public folder, and as one user picks up an email to process it, he/she moves it into the PROCESSED folder.
Thanks for your reply, we have set the public email system, I have a couple of problems with it though.
1. The folder is not marked as bold when a new email arrives in Outlook 2007 and Outlook 2003.
2. Rules created for these folders don't run automatically when emails arrive.
Does anyone have any ideas why rules do not work and if there is a way to mark the public folder as bold when an email arrives?
I don't recall if the folder highlights with new mail, but if you're telling me it doesn't, then so be it. Clicking the box in the folder properties "maintain per-user read and unread ..." may gain that functionality, but will keep separate detail for each user, which may not be what you want. You'll have to try both ways.
Regarding the rules, I've had some pretty extensive rulesets run on folders, so there's some other reason why it's not working for you. Investigate that further and/or post back more info.


Mondinion.com lists thousands of categorized Developed Land Real Estate Listings including property sales, property rentals & vacation rentals. Our free Developed Land Real Estate Portal & Directory, have a specific section for Brazil Developed Land Real Estate Listings & Property Ads.
General Description (descritivo português mediante solicitação) - The plot, located in Rio de Janeiro at the Av. Do Cortume, has a total of 102,000 m², completely flat and very well located. The geographic reference point nearby is the Ponte dos Jesuítas. - There are two stops for the bus (Sta Cruz and Campo Grande), close to numerous commercial centers, schools, services and churches. - The plot is particularly suitable for business, shopping centers and the like. - Plot complete with RGI / escritura publica.
General Description (descritivo português mediante solicitação) - The building plot has a total area of 106,000 m², is located directly on the Avenida das Americas and is particularly suitable for commerce, shopping center and similar. It is also possible to buy a fraction of the property. - Purchase price (basis for negotiation): 2640 R$/m². - Complete documentation available, with RGI / escritura publica.
General Description (descritivo português mediante solicitação) - Very well located commercial property in the Rua Geremário Dantas, the central commercial street in Jacarépagua / Rio de Janeiro. The property is completely flat and is particularly suitable for the construction of commercial units or shopping centers. - All documents in order, with escritura publica / RGI. - Further Considerations - The price represents a basis of negotiation. Counter offers will be analyzed. - Documentation can be sent on request.
General Description (descritivo português mediante solicitação) - The lot has an area of 200 m x 100 m located at the R. Dr. Trajano Pires da Nóbrega, SOLEDADE, with access to water, electricity, telephone and internet, only 750 m far from the city center, comprising in total 90 lots. Privileged area. - All documentation (Escritura Publica and RGI) in order.


text:
Agnès Merlet
LAST FURLONG (THE)
Director(s): Agnès Merlet
Main cast: Rachel Hurd-Wood, Harry Treadaway, Thomas Brodie-Sangster
Long synopsis : A curse is just a blessing ignored… James Furlong is the last in a long line of Furlongs, each blessed or cursed with a supernatural power. Growing up in remote Ireland, the boy begins to experiment, longing to discover his hidden gift. But instead, his experiments lead to the death of his family's livestock, followed swiftly by the loss of his father and beloved grandmother. By the time he's 10, James is the sole surviving Furlong. He is sent to a reformatory. An outcast, he is bullied mercilessly. Following a cruel attack by the other boys, a mysterious illness sweeps through the reformatory. Finally understanding the terrible destructive nature of his hidden powers, James flees. Years pass. On the run from hospital where she is being treated for cancer, Mae, 19, comes across James in his isolated cottage deep in the woods. He is terrified of harming her, but Mae has already resigned herself to her fate and is afraid of very little - certainly not of this gentle, innocent stranger. Even when she learns his story, she is unafraid, and urges him to leave his lonely life behind, to return to the world. They embark on a passionate romance that leads James on a journey back to civilization, and sets him on a collision course with Liam, sole survivor of the reformatory tragedy. Bent on vengeance, Liam confronts James with the violence of his past, but through Mae, James also uncovers the full extent of his abilities and the redemptive power of love.
Rachel Hurd-Wood, Harry Treadaway, Thomas Brodie-Sangster, Susan Lynch, Stuart Graham, Kate O'Toole
Producer(s): Marc Missonnier, Jean-Luc Ormières
Screenplay: Nick Vincent Murphy
DP: Tim Fleming
Editing: Sylvie Landra
Original Music: Eric Neveux
Set Design: Didier Naert
Original Title: LAST FURLONG (THE)
Production company: FIDELITE FILMS
HIDEAWAYS - Poster France
Gilles Bourdos
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Christophe Ruggia
THE GOOD HEART
Dagur Kári
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As part of the "New Perspectives" program Galerie Tokyo Humanité presents the work of Momoyo Ijima, in her second solo show at this gallery. Ijima completed a post-doctorate course at Joshibi University of Art and Design in 2011 and during her studies produced a range of work forming wax houses filled with clothes, crockery and other familiar materials. In more recent years she has created installations from old garments, potent with the memories of their previous owners, creating a strange atmosphere of nostalgia while suggesting a commentary on contemporary society and the position of women. In this exhibition she presents a new development of the 2011 work "Colorful Stars in the White Heavens", filling the 13m wide space with buttons in a unique balance of tension and liberation.


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Summary Side view of the granite Central City Opera House in Central City, Colorado, shows its rounded windows and doorways. The bracketed balcony has spindles and a sign above it that reads "Opera House." Two wrought iron fixture holders are on either sides of the front door. A large, wrought iron light post is in front of the the building. The buildings of Eureka Street are in the background.


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Going Green: Writing About, and For, the Environment
in Panel / PastEvent07 / Uncategorized
Green Journalism and Green Marketing are going global, especially in the wake of the Oscar win for Al Gore's "An Inconvenient Truth." Our panel of experts will tell you how to tap into this marketplace, and how to turn hard-core science into readable, layman's English.
Please join Eco-author Sophie Heyman-Uliano and green documentarians Ty Carlisle and Zach Jordan, along with other media panelists, as they discuss such topics as sustainability, green lifestyles and environmental issues — and how they have each developed a niche-writing marketplace in the green arena.
Green guru Sophie Heyman-Uliano is an author, yoga teacher, and actress based in Los Angeles. Heyman-Uliano teaches women about yoga, nutrition, and meditation. Previously, she was a theatre and television actress in England, performing with the Royal Shakespeare Company and in London's West End and in numerous British TV shows.
Five years ago, Heyman-Uliano developed a passionate interest in environmental issues, and radically transformed her life. She designed a lifestyle that was stylish and fun but also "green." Living in Hollywood and teaching many celebrities, she knew that women wouldn't compromise on their glamour and style, so she developed a lifestyle that jived with the "Hollywood" scene and yet was still environmentally friendly. The result was the soon-to-be-published book "Gorgeously Green," an eight-week guide for women that shows them how to live an eco-friendly life with fun, sophistication, and style. Heyman-Uliano also writes a "Gorgeously Green" column for the Larchmont Chronicle.
Producer Ty Carlisle of Prairie Starfish/Talking Evolution Productions has always considered himself to be an environmental/political filmmaker. The age-old science vs. religion issue came up in Carlisle's first feature film; the documentary "Flock of Dodos: the Evolution-Intelligent Design Circus," which can be seen right now on Showtime. Carlisle is also the producer of over 30 short films; most notably "Shifting Baselines in the Surf," which played to standing ovations at a number of environmental film festivals such as LOHAS (Lifestyles of Health and Sustainability). He also produced the controversial environmental satire "The Tiny Fish PSA," which after three years is still on view nationally on cable and local broadcast stations.
Zach Jordan is a producer for Videojug.com, the world's first and largest video encyclopedia, where he produces segments on the environment and future technologies. Most recently, some of his work may be seen as part of the "MSN Live Earth" project. Prior to becoming involved with Videojug.com, Jordan worked as an independent filmmaker, writing and producing web-based content for multimedia companies and an array of stand up comics and performers hip to the power of Internet marketing and podcasting. Jordan will return to Tanzania in August of 2007 to finish shooting his high-definition documentary "Carpe Kilimanjaro."
The panel moderator Julio Moran is an experienced journalist and teacher, and serves as executive director of CCNMA: Latino Journalists of California. Moran was a reporter for 14 years with the Los Angeles Times, where he was part of a team of reporters who won the 1984 Pulitzer Prize for Meritorious Public Service for a series on Latinos in Southern California. A Los Angeles native, Moran has taught journalism at USC since 1998 and at Cal State Northridge since 2005.


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Postgraduate University Rankings
Just as in the United Kingdom, there is a wide range of universities in almost every country around the world. Some of which are renowned for world class research while the majority specialise in providing a more vocational education.
Global University Rankings
Trying to work out which is the best university for a particular postgrad course can be difficult. Such global rankings of international universities as currently exist tend to focus almost entirely on research reputation and as such are not helpful when trying to establish whether a particular university is a good place to learn, particularly at postgraduate level. However, if you wish to consult international rankings the best two to consider are:
Academic Ranking of World Universities (Shanghai Jiao Tong Ranking)
Times Higher Education World University Rankings
Subject Specific Rankings
It is often more useful, particularly at PhD level, to look for university faculties that are particularly strong in your chosen field. Theoretically, a good general ranking could disguise a poorly performing department and vice versa. There are several such masters program rankings available.
National University Rankings
Most countries operate some form of university ranking but often these are not based on academic performance or reputation. Mostly they will cover student experience, employment outcomes and other such measures of university performance.
In many countries these rankings are not available in English and they will rarely, if ever, specifically address the experience of international students on English-taught postgrad courses. However, they will give a general idea of the overall attractiveness of a university to its domestic audience.
An example of national university rankings:
Keuzegids (Netherlands)
If you are interested in choosing a university in the USA there is a wide range of information and ranking data available. Some of the most renowned guides for choosing a college or university are:
Petersons (USA)
The Princeton Review (USA)
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If you're looking to avoid domain joins, I have a write-up on the connector installation, to proactively avoid DNS issues, permanently (persists through R2 updates), How to make Windows Server 2012 R2 Essentials client connector install behave just like Windows Home Serverfollowed by this fix, only needed if the DNS issue from domain joins already bit you, and you need to clean-up, Windows Server 2012 Essentials remote client loses its Internet connection, here's your DNS-related fix and optionally, the icing on the cake if you so desire, How to install Microsoft Forefront Client Security Antivirus on Windows Server 2012 Essentials. Note that I haven't revisited antivirus under R2. Please drop a comment below if you've had success with Forefront on R2.
TechNet Evaluation Resources, technet.microsoft.com/en-US/evalcenter/dn205289 read DAndrew and Drashna's intriguing talk about R2 at Home Server Show Forums, Faq: Things About Server 2012 (R2) Essentials That You Should Know Before Setting It Up and have a listen to the podcast Drashna and I were on, together, What would you change in Windows Server 2012 R2 Essentials? Home Server Show 249 and another I did at BYOB (Build Your Own Box) with Mike Faucher and John Zajdler here.
Here's many related articles I already published, ready to check out today, Windows Server 2012 R2 Essentials.
Academic Edition. Meant for training/learning. It is a fully functional version, however you may not get automatic updates or be able to upgrade. Shouldn't be used for business or commercial purposes.
You can get 2012 R2 FREE with Microsoft Dreamspark if you have a .edu address (thanks Christian!), just visit dreamspark.com for more information.


The Nieman Journalism Lab has a fascinating post about a Yahoo! link driving record Web traffic to the web site of The New York Times.
The Times got more than 9 million page views in a couple of hours as a result of the link, but couldn't make much money from the traffic.
This story relates to my previous post about how newspapers should think about building their business on the Web. Perhaps raw traffic isn't the best measure of success, or what newspaper people should be looking for. Just as fighting for tighter copyright laws isn't the right path. It's attracting the right traffic that counts - and providing services to users and advertisers that benefit them financially.
Does anyone actually see ads online?
Firefox + AdBlock Plus + Filters = no ads.
John I couldn't agree with you more. I love your blog. The reality is that for many newspapers finding away to generate revenue comes too late. One only has to look at the state of the newspaper industry to understand the economic law of supply and demand, particularly demand.
Media experts suggest that one only has to tune into the downward spiral of the newspaper industry to witness the classic example of the economic law of supply and demand, particularly the law of demand. Newspapers of all sizes, many of which have been around for more than 100 years, are struggling to stay alive in the face of diminishing advertising revenue, dwindling readership, and increased competition in the digital landscape. According to a 2008 Pew Research Center survey, more Americans received their news online than in a printed newspaper. This trend in consumers' preferences has forced every newspaper, including national papers such as the New York Times, Los Angeles Times and The Washington Post, to create an online presence. But for many newspapers that failed to embrace the possibilities of the Internet more than a decade ago, such a presence comes too late.
McConnell and Brue (2004) state that the law of demand is consistent with common sense. In essence, consumers typically purchase more of a product at a low price than at a high price. In the case of newspapers, the high price to place an ad in the printed version of the newspaper compared to placing an ad on a Google or Yahoo site at a lower price served as an obstacle that deterred large and small advertisers from doing business with traditional newspapers.
Eric Ulken, of Knight Digital Media Center, contends while he is no economist, the problem facing the news industry comes down to the simple fact that "the Internet is a simple efficient market governed by the law of supply and demand. Because there surplus ad inventory online – particularly low-grade inventory – prices are falling," he wrote. Meanwhile, the challenge for newspapers remains how to make money from their online content. As the demand curve shifts, industry experts conclude that newspapers options come down to charging a subscription fee for online content or banking on online advertising. Industry experts point out that the subscription model has worked well for The Wall Street Journal, which has been charging online subscription rate for about 13 years.
The Wall Street Journal reported tremendous growth in 2008. Following its lead, Newsday, The Denver Post, and Christian Science Monitor have announced plans to begin charging for online subscriptions. To attract advertisers, newspaper websites not only need millions of visitors, but must provide advertisers greater value for their limited ad dollars. Media experts and consultants contend that in today's digital age and linked economy newspapers must produce relevant content and go where the people are – the online universe and social networking sites such as YouTube, MySpace, Facebook, Twitter, among others. Economists McConnell and Brue (2004) state that the law of demand is consistent with common sense. In essence, consumers typically purchase more of a product at a low price than at a high price. In the case of newspapers, the high price to place an ad in the printed version of the newspaper compared to placing an ad on a Google or Yahoo site at a lower price served as an obstacle that deterred large and small advertisers from doing business with traditional newspapers.
(16th ed., chapters 1, 2 and 3). The McGraw-Hill Companies.
The Times' inability to make much money from 9 million page views (times a handful of ad positions) demonstrates the kind of missed opportunity that news Web sites can't afford. News sites need to be smarter at creating and selling ads in the moment, just as they capitalize on news in the moment. In this case, imagine the benefits to Bing, a major Times advertiser, if its ad package had included ads on a big breaking news story like this one. The rate may be discounted, but the ads would have big value to a key advertiser as part of a larger deal.
Web traffic will always be attractive, but I really think that targetted traffic is more important. I also have to agree with you about the news papers to be online.
I read only online and I'm sure you do too.
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Chocolate Peanut Butter Blossoms - peanut butter chocolate cookies topped with a Reese's cup and chopped peanuts. OMG! Heaven! I have zero self-control around these cookies! Makes 5 dozen - great for sharing.
I am in LOVE with these cookies. They are my all-time favorite flavor combination - peanut butter and chocolate. Not only do the cookies have peanut butter and chocolate in them, there is a Reese's cup in the middle of the cookie too! OMG! Heaven!!! I have zero - ZERO - self-control around these cookies. They are the perfect bite-sized treat.
These cookies are super easy to make. I mixed up the cookie dough and used a small cookie scoop to scoop the dough into mini muffin pans. They were ready in about 15 minutes. This recipe makes about 5 dozen cookies. Perfect to share with classmates, teachers, friends and co-workers.
Preheat oven to 350 degrees. Lightly spray mini-muffin pans with cooking spray.
In a large mixing bowl, beat butter and peanut butter with an electric mixer on medium speed for 30 seconds. Beat in the eggs and vanilla. Add the granulated sugar, brown sugar, baking soda, salt, flour and cocoa powder. Beat until combined, scraping sides of bowl occasionally.
Shape rounded tablespoons of dough into balls. Drop each dough ball in mini muffin pan.
Bake for 9-10 minutes. Remove from oven and immediately press Reese's cup into each cookie. Remove cookies from pan and top with chopped peanuts. Cool completely.


Active listening is a communication style that allows a listener to confirm what they are hearing is what the speaker intended. It is listening with a purpose. It is listening and repeating back to the speaker what was said.
When people speak to us we often will be distracted, thinking of other things, or selectively listening. Often we will be formulating an answer to what we are going to say as someone else is speaking.
The human mind can comprehend up to 600 words per minute reading. We listen at a rate of 300 per words per minute. We only speak at 100-175 words per minute. Considering that 85% of what we learn is from listening and we listen faster than others can speak, there is a lot of room for our minds to go elsewhere.
By learning to live actively we can get the improve the ability to get information, better communicate, and understand what others are saying. The key to actively listening is in the repeating.
Actively listening involves focusing on the speaker, what is being said. Additionally consideration is given to the ideas and emotions behind the words used and what is really meant. Then the listener repeats in their own words what they understood the speaker said and meant.
If there is any misunderstanding it can be cleared up at this point. The speaker can add further dialogue to explain what they want conveyed.
Try this... if you want to learn to concentrate on what others are saying, try repeating what they say as they say it. At the least paraphrase what they are saying as they say it. This will help prevent selective listening. This will focus your attention and help you concentrate on what is being said.
There are several ways to practice this. Watching TV and the people speaking there allows a wide diversity of speakers. News commentators on the Radio. Finally, those you work with. To do this, repeat what they are saying quietly and mentally to your self.
In addition to repeating what was said, the facts and ideas, the active listener can include the feelings noted from the speakers words.
Feelings can be discerned from both body language, tone and intonation. They can also be noted from the words used.
The feelings reveal the motivation of the speaker.
Learning active listening will help you to listen attentively when others are speaking.
Further, when they say things, you will be less likely to filter what you hear. It helps prevent selective listening.
Best of all, it opens the line of communication. Failure to communicate often comes from failure to understand. Communication does not mean agreeing. Understanding does require communication.