Ferronova is an innovative medical device company, which has brought together a patented magnetic probe from the University of South Australia and iron magnetic nanoparticle technology from Victoria University and Boutiq Nanoparticle Solutions of Wellington, to produce an advanced diagnostic system to improve the detection of cancer metastases.
Ferronova has research collaborations with UniSA Future Industries Institute and the University of New South Wales, where new generations of particles are being developed.
Founded in 2016, Ferronova is backed by ASX-listed investment group Powerhouse Ventures, UniSA Ventures and Victoria Link. The South Australian government through TechInSA has provided grant funding to develop the technology.


Recycling and reuse options for plastic nursery pots for Boulder County. Flower pots; Hard plastic four and six-pack holders; Plastic lawn toys; Plastic crates.
Children milled around a small wooden shack selling candy, and women, wrapped in embroidered dresses and carrying pots of water to their houses. "No one knows whether to plant their crops or not,".
Yes you can reuse smart pots as often as you want. To clean them, just throw them in a washer. How do I clean my Smart Pot?. Now, instead of fewer circling roots, the plant develops new lateral roots. New, fibrous roots fill the Smart Pot allowing the plant to maximize uptake of both moisture and nutrients. And when the roots grow well.
The end of September is the time to make plans to protect your plants for the winter. with winter row covers is you can easily fold them up for summer storage and reuse the fabric again, or just.
To make your own perlite from styrofoam, just follow the instructions below: Clean foam trays by washing them with soap and then drying them. Cut the tray into 1.25 cm (1/2 inch) strips. Then, cut the strips into half inch squares. Put the squares into a blender with enough water so that the squares float to the top.
Cleaning Clay Pots – How to Clean Terracotta Pots and Planters When the days get cooler and shorter, it is time to put the garden to bed for the winter. Cleaning clay pots this time of the year keeps my garden still in mind and makes sure that they are ready to use when it comes to for early spring bloomers in a few months.
This guide is about protecting pots and planters over the winter. The first step in winterizing your pots and planters is to give them a good cleaning-unless of. You save on replacing the pots, have rich soil to reuse and save on buying.
Once your jars are clean, you're ready to make planters! Depending. Another method to get the jar more upright for plants that require dirt is this one I shared not too long ago. Painted. What a great idea to reuse those beautiful jars! Reply.
There's no need to spend big bucks on planters and flower pots. Look around the house or scour thrift stores and flea markets for unique vessels to hold plants, herbs and vegetables.
How To Clean Fake Plants. Add 1 cup of table salt or cornmeal. Holding the pillowcase closed around the stems, gently shake the flowers so the salt/cornmeal knocks away remaining dust on the plants. Remove the stems one from the pillowcase one at a time, shaking gently to dislodge any remaining salt and rearrange them in the container.
Pot them. your tools by cleaning and oiling and sharpening so you will be ready to go. If you covered perennials with some sort of winter mulch, the mulch can be removed when temperatures are.
Battered shelves can be plant stands; old clothes can become cleaning rags. Almost anything can be a plant pot if you shovel in enough dirt. Pinterest can be a great source of DIY inspiration and.
Wardenclyffe Tower (1901–1917), also known as the Tesla Tower, was an early experimental wireless transmission station designed and built by Nikola Tesla in Shoreham, New York in 1901–1902. Tesla intended to transmit messages, telephony and even facsimile images across the Atlantic to England and to ships at sea based on his theories of using the Earth to conduct the signals.
But crafters take note: The edge of the dustpan will let you clean up the finest of powders. I use what I've got. Why pay for plastic plant stakes or garden tags when you can make your own? I use a.
One Spanish company is looking to make it more convenient to catch and reuse the warmup water from showers. another location in the home or yard and used for watering plants, pets, or for cleaning.
We could all be eating better, the world could be a little cleaner, and garbage could become a commodity as. We'll be making plant pots and seedling starters.
Choose a pot that will first and foremost fit your tomato plants. For those who. Remove the old soil and clean the pots, if you are going to reuse them. In addition.
May 11, 2009. And they can be colorful, with printed-on artwork that helps plant. Re- engineering production, like cleaning pots for re-use and sorting them for. take pots, trays, six-packs and other garden plastic back for reuse or recycling.
One of our favourite things about Patch Plants is that it gives straightforward care tips for each plant to ensure they thrive in their new homes, both beneath each plant description and via email.
"We recommend that you wait until your plant has acclimated before repotting as to not add any additional stressors to your plant," he said. In the meantime, research future homes for your plants. The.
Oct 7, 2014. For them, bringing the containers up to their level for planting is the best option. it up with foliage plants of a sharply contrasting color (ie. a bright blue pot planted up with chartreuse foliage). Start with a clean container.
The basic answer is yes, it's possible to reuse potting soil. But first do a few things to perk it up–and replace its nutrients. Here's how: Photography by Erin Boyle. 1. Remove old plant matter (roots, twigs, leaves). Above: I transplant spring bulbs from their nursery pots.
Germination is the process in which a new plant begins to grow from a seed. For this method you will need: Two clean plates Paper towels Seeds Step 1: Take four sheets of paper towels and soak them.
I imagine that it's easy enough to do — just cut the shirt into strips and tie it around your head (it's not rocket science) — but if you're gunning for style over simplicity, maybe you'd like to.
Q • I have a container garden on my deck, with 20 or so varying-sized flower pots that have potting soil as the growing medium. What is the best process for handling the soil at the end of the growing.
Most houseplants today are sold in standard plastic pots. Some plant owners prefer to replace these pots. They choose from pots that come in an almost-infinite variety of materials, types, sizes, and colors. Types of Containers for Houseplants. Pinterest;. If you plan to reuse a pot, clean it well both inside and out. Clay pots often get.
3 Feed Your Plants. Furthermore, the acidity in the grounds keeps snails and slugs away, while the odor will keep your cat from digging and pooping in the garden. And just to top it off, the grounds will alter the pH level of your soil, which can result in new colors for your flowers.
Mar 25, 2014. Recycling Candle Jars into Beautiful Planters. So here is a little step by step guide on how to clean out those old candle jars so many of us.
Designed with function and durability at the forefront, Geopot fabric pots are. and are easily reusable and washable at the end of a season, keeping your plants. Start by cleaning out your Geopot fabric pot thoroughly with shop-vac (or by.
The Oklahoma entrepreneur, who's spent 40 years working on waste management technology for refineries and chemical plants, proposes to capture. like filtration to make it clean enough for his eight.
Aug 1, 2016. For cleaning your system between crops, bleach is an effective. Plants or seeds should be placed in the media after the containers are set.
Calistemon citrinus is called crimson, or red, bottlebrush for its scarlet blooms that resemble the brushes used to clean. plant for areas that experience periodic winter frosts. Find a clay.
To clean clay pots use this stiff brush to remove mineral deposits and other debris. Rinse pots thoroughly and soak them in a bucket of clean water until you are ready to use them. Rinse the pot and it is ready for reuse. Proper cleaning and disinfecting of pots requires just a minimum amount of effort, yet can mean the difference between the.
Apr 13, 2018. These plant starter pots are easy to make, environmentally friendly, and perfect. Reuse cardboard packaging to make easy DIY seed starter pots. Clean out the container, drill a few holes for drainage, and you have a great.
Below the soil line, shake the roots free of all the soil, hose them off—or if treatment is indoors during the winter, wash them in a diluted mix of water and gentle dish soap—and replant with new.
We then reuse the water. The clean pre-shower water gets used for watering plants and washing dishes (we microwave a bit of it; we don't have a dishwasher), and then used shower water gets used to.
Feb 14, 2013 · So first things first. Do you reuse your hydroton but cleaning it is just a PITA??? I have a solution to get it clean and any bad bacteria or bugs done killed! Items you will need 1. Bleach 2. H202 ( depending on how much hydroton you may need a few gallons) 3. 5 gallon buckets 4. Large spoon 5. Cheap cement mixer 6.
Jan 13, 2010. Repotting indoor plants is fun and gives you an opportunity to inspect the. Sanitation is also a consideration when reusing pots and selecting media. You can use a clean rock or potsherd to cover up the drainage hole if.
Fill with a well draining soil misture suitable for the type of plant to be grown in the container. Leave at least an inch of head room for watering. Water newly potted plants twice to allow for initial compacting. Mulch potted plants with a mulching material suitable for the plant being used.
Mar 17, 2015. There are different pots for different plants, depending on their. You can buy this in the cleaning product section of most health food stores.
May 18, 2018. Reusing soil and practicing organic farming were old hat before. Although chemical nutrients seemingly super charge plant growth, they. Place the clean soil in black garbage bags and let it bake in the sun. Spring Pot.
Above all, understanding how to control the environment is the differentiating factor between the fruitful indoor pot producer and the ones who never seem to get it quite right. Frigid cold or searing.
It seems a waste to throw out depleted potting soil, but is it safe to reuse it?. often doesn't provide enough nutrients to last long in a pot" writes gardening expert Craig Idlebrook. Use fresh, clean soil for disease-prone plants like tomatoes.
In addition, the company is active in power generation (steam boiler plants, biomass power plants, recovery boilers, and gasification plants) and environmental technology (flue gas and exhaust gas.
Plant pots and containers are not recycled into drink bottles or other PET plastic items. Take Them to a Nursery. Lowe's is not the only place that will accept plastic plant pots and containers. Many local nurseries will reuse plastic pots if you return them.


We are Pontypridd main stockists of Marshall Tufflex Rain Water, Facia and Soffit goods. All of our Windows and Doors are made out Status Profile. All PVC windows are different. Choosing the right profile can make a world of difference to the look of your home. Please Visit our website for more information.


If you're looking for a great counting game for preschoolers, Hi Ho Cherry-O is it. This game emphasizes learning to count while having fun. You pick the cherries off of your tree and drop them in the bucket, but watch out for dogs, birds, or spilled buckets!! Hi Ho Cherry-O also teaches social skills and how to take turns, which is an important skill to learn as you need it in everything from playing games as a child to real life (ie school and jobs) as a grown-up.
This game is great for ages 3-6, but adults may not want to play over and over again the way your kids will (since we already know how to count). Also, you can have between 2-4 players, so the whole family can play together! Get ready for some pre-schooler fun!
Win Hi Ho Cherry-O !
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Horses are not humans; a phrase most horse people have heard before. Meaning horses do not react at all like humans do, very true of course and obviously a very important lesson in horsemanship. Yet it does depend on what kind of human we refer to.
This entry was posted in Our horses, Thoughts and tagged horse, Horsemanship, nokota, photography. Bookmark the permalink.
This is pretty much what the local landscape where I live looks like now. Happy winter!
"All things are connected to all things". Beautiful photo with the cold, bluish light of winter and snowy ground, and the horses are patiently waiting it out.
in dream work the horse is symbolic of the dreamers heart. in life i have met many horses with bigger hearts and much more humanity than many people. if we are not too arrogant to learn – the language of the horse is all heart. bold true heart.
Very true. Thank you for your words, it means a lot.


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text:
Kohli-Dhoni duo add another feather to cap, this time on social media
by Vishal Bhagat Dec 10, 2019 • 14:34 PM
New Delhi, Dec 10 India skipper Virat Kohli has always made it clear that former captain Mahendra Singh Dhoni will always remain an inspiration for him and his tweet on the latter's birthday this year was announced as the most re-tweeted sports tweet of the year by Twitter India.
Twitter made the announcement on their social platform and said: In the world of sports, this Tweet from @imVkohli stole people's hearts becoming the most Retweeted sports-related Tweet (sic)."
Also Read: New avatar of Election se Selection with eye on IPL auction
Kohli had taken to Twitter to wish Dhoni and wrote: "Happy birthday mahi bhai @msdhoni. Very few people understand the meaning of trust and respect and I'm glad to have had the friendship I have with you for so many years. You've been a big brother to all of us and as I said before, you will always be my captain (sic)."
While skipper Kohli is busy preparing for the third T20I against West Indies that will be played at the Wankhede Stadium on Wednesday, India coach Ravi Shastri told IANS that the 2020 edition of the Indian Premier League will go a long way in deciding if Dhoni will take the flight to Australia to play the World T20.
"It all depends on when he starts playing and how he is playing during the IPL. What are the other people doing with the wicket-keeping gloves or what is the form of those players as opposed to Dhoni's form. The IPL becomes a massive tournament because that could be the last tournament after which more or less your 15 is decided.
"There might be one player who might be there and thereabouts in case of an injury or whatever. But your team I would say would be known after the IPL. What I would say is rather than speculating of who is where, wait for the IPL to get over and then you are in a position to take a call on who are the best 17 in the country," he had said.
In the world of sports, this Tweet from @imVkohli stole people's hearts becoming the most Retweeted sports-related Tweet https://t.co/lW2FdqYzj7
— Twitter India (@TwitterIndia) December 10, 2019
TAGS MS Dhoni Virat Kohli
Bengaluru ODI: Rohit Sharma ton, Virat Kohli 89 lead India…
Bengaluru ODI: Rohit matches Kohli's ton tally vs Australia
Virat Kohli becomes fastest to score 5000 runs as ODI…
Ranji Trophy: Ishant, Ashwin shine on Day 1 of 6th…
Bengaluru ODI: Rohit Sharma becomes third fastest to 9,000 ODI runs
DDCA Ombudsman gives Manjot Kalra go-ahead to represent Delhi
Jonty Rhodes says 'Gully Boy' gave him 'goosebumps'
Brett Lee terms ICC's decision to ban Kagiso Rabada ridiculous
India thrash Afghanistan in U-19 World Cup warm-up tie
Today Special
Age is now just a number in Indian cricket

redpajama_set_name: RedPajamaCommonCrawl


text:
Did Joe Sowerbutts re-dub a couple of scenes for Daniel Radcliffe in Philosopher's Stone after his voice began to break?
Some sources say that during the end of filming of Philosopher's Stone, Daniel Radcliffe's voice began to break, so the filmmakers, at the last minute, brought in 13 year old schoolboy Joe Sowerbutts, who also voiced Harry Potter in the respective video game, to re-dub a couple of scenes for him. The two scenes in question were:
One on a broomstick
One in the Forbidden Forest.
However, another source says the filmmakers have denied this, saying that they didn't use any voice other than Radcliffe's own.
So what source gives more weight?
harry-potter behind-the-scenes
Alex DownsAlex Downs
Wait, really? "Philosopher's Stone"? No way.
– Adamant
On balance, probably yes he did, but Warner Bros. are sticking to their story that he didn't. Dark rumours abound that his parents were 'gotten to' and the actor has never spoken about it again, even as an adult.
Sowerbutts claimed (in an interview with The Sun newspaper) that he was present at the studio for a single morning and was told that he was doing voiceover work that would be included in the film.
"I was only there for one morning at Shepperton Studios but it was great fun. I couldn't believe it when they told me I was going to be in the film. I was really surprised that Daniel's voice broke because he's younger than I am. But you could say it was a lucky break for me." Joe added: "I'm a massive Harry Potter fan and I've read all the books. Being Harry Potter was so cool. My friends, brother and sister are really jealous. Everyone is like, Wow, you're playing Harry Potter. It's unbelievable. However, I'm only in it a bit. I've got two scenes; one where I'm flying around on a broomstick and another when I'm in the forest."
The Sun - Nov 1st 2001
When asked to confirm this, the studio's spokeswoman rushed out a statement to the effect that they didn't use Sowerbutts' voice in the final cut and that Daniel Radcliffe was the sole voice of Harry Potter.
"Despite what has been reported, only Daniel's voice is used in the forthcoming film. Do you think we would be that silly? Production of the sequel is under way and it is absolutely Daniel's voice in that as well."
Scottish Daily Record - Nov 2nd 2001
"No voice other than that of Daniel Radcliffe's was used to portray Harry Potter in the film Harry Potter And The Philosopher's Stone."
Daily Telegraph - Nov 2nd 2001
Although the two statements aren't mutually exclusive (since voiceover actors are often used in the rough cut and then replaced by the original actor using ADR) he and his parents were evidently reminded of the dire consequences of speaking without studio clearance and haven't spoken about it since, which strongly suggests that we'll never know the whole truth of what happened...
Julie Sowerbutts: "We have to accept what Warner Bros are saying and offer a no comment. I've got a little boy who wants to be an actor long term and I'd hate to wreck anything for him. If Joe's voice was to be in the first film then it was only going to be a couple of lines. Maybe they didn't use it."
Scottish Daily Record - Nov 2.
That's a very surprising answer. If they had done something like that in the US, SAG-AFTRA would flip out.
"Dark rumours abound that his parents were 'gotten to'" - where are these rumours? You mention this in a big clickbaity title, but then don't point to any such rumours or evidence in the post itself.
– Rand al'Thor ♦
@Randal'Thor - In the Scottish Daily Record article; "However, Joe's parents, Julia and Kevin, hinted yesterday that they had been gagged."
Might be worth editing some more content from that article into your answer?
Not the answer you're looking for? Browse other questions tagged harry-potter behind-the-scenes or ask your own question.


text:
Q: force g++ compiler to use a specific flag from x.cpp if the flag is available Can I force g++ compiler to use a specific flag from x.cpp if the flag is available without a makefile?
I want that g++ x.cpp and g++ -std=c++0x x.cpp have the same result

A: Kinda.
You can not set flags inside the x.cpp, but you can set pragmas.
Here is a list of available pragmas from gcc online docs.

redpajama_set_name: RedPajamaStackExchange


text:
Nascot Lawn: No decision reached on future of St Albans' local respite centre
PUBLISHED: 14:26 13 September 2017
The entrance to Nascot Lawn respite centre in Watford. Photo: DANNY LOO
Danny Loo Photography 2017
Negotiations over the future funding of Nascot Lawn respite centre have continued to no avail, despite parents offering to provide 20 per cent of it.
Harpenden father says campaigners are "determined" to keep Nascot Lawn open
Nascot Lawn families seek legal help over decision to close respite service
"We need more time": St Albans mother Claire Bryson breaks down while talking about Nascot Lawn's likely closure
Health group defends decision to cut £600,000 funding for Nascot Lawn respite centre
Parents, and representatives from Herts county council (HCC), and Herts Valleys clinical commissioning group (HVCCG) addressed the council's health scrutiny sub-committee last week.
David Josephs, whose son Dominic uses the service, was not at the meeting, but said: "It was a long day of detailed investigation.
"What will come of it is anyone's guess, in that I think the committee will produce a series of recommendations, but what they will say I do not know.
"It may be useful, but it may not. I am not clear what powers the scrutiny committee has. It may say 'it's important we put the families at the heart of what we are doing', which are fine words, but it's all about action.
"Does this lead to a successful conclusion for Nascot Lawn? Sadly that is not a question I cannot answer.
"There is still no invitation from the NHS or the local authority to save Nascot Lawn."
A meeting has been organised for Monday afternoon between HCC, HVCCG, and the parents.
David says this will be a critical meeting to gauge whether either has any intention of saving the centre.
While the parents' offer was not ruled out, HVCCG said because of having to save £45m this year, they cannot provide any more funding.
A HVCCG spokesperson said: "As our budgets come under increasing pressure we have to concentrate resources on services that we have a legal responsibility to provide.
"It is unfortunately not possible for us to fund services, including at Nascot lawn, that fall outside of this remit and that are the responsibility of the local authority."
HCC children's services cabinet member Teresa Heritage, said: "The scrutiny meeting that took place further supports the need to look at why HVCCG made the decision to withdraw funds without proper consultation with the families, the carers and other interested parties, including us.
"We await formal notification of the conclusions and recommendations from the scrutiny committee and will review those. We absolutely see it as a priority to continue updating the families and carers with the latest developments."
Teresa Heritage
Nascot Lawn


As things begin to fall apart Bonnie Greer looks back at the late great writers who will define the next 12 months.
ANDREW ADONIS: When will Britain's Scrooges wake up?
The classic Dickensian tale of a grumpy man at Christmas sums up the leaders in British politics this year, writes ANDREW ADONIS.
Is this the end? Was that Theresa May's last prime minister's questions?
Who's on Question Time this week?
This week's Question Time comes from Bishop's Stortford - a town which voted to Leave by just 622 votes.
TIM WALKER reviews The Wipers Times, on at Arts Theatre, London, until December 1, in this week's Stage Review.
In the most unlikely place, PATRICK SAWER finds a poignant family link to Italy's fascist past and a reminder that this dark chapter of the country's history is not yet closed.
Andrew Adonis explains how Europe has gone back in time.
Leading French journalist Marion Van Renterghem meets Tony Blair, one of Remain's Don Quixotes suddenly realising their task might not be as futile as it first seemed.


Vandal's caused several £'000 worth of damage at East Grinstead Cricket Club by joy riding round the outfield whilst it was covered in snow.
It is believed the incident occurred around 8-30pm on Tuesday evening, no one was at the Sports Club at the time as it had closed early as a result of the severe weather.
It is thought up to 6 vehicles were involved being raced round the cricket outfield causing deep ruts and ripping up the ground in several areas.
The CCTV cameras in and around the location are being interrogated in an attempt to identify the culprits, this information will be passed on to the local police who have been informed of the incident.
It will not be possible to establish the extent of the damage until the covering of snow has cleared; the cricket club will then have less than 6 weeks to undertake repairs and prepare the ground for the first match. It is unlikely the outfield will return to its high standard for another 12 months.


German sportswear label Adidas was originally founded in 1949 by shoe designer Adi Dassler who started the company designing footwear for athletes. Keeping that knowledge key to the brand's defining ethos Adidas stands today as a major player in contemporary fashion. Presenting a staple sportswear piece from Adidas. Designed in a bomber jacket cut, this green jacket features a ribbed shawl collar, a front zip fastening, side pockets, appliqué stripes at the sides and a ribbed hem and cuffs.


We tested the performance and memory allocation when parsing X12 834 small and large files using the .NET Core 2.0 version of X12 Reader.
The original sample file was taken from EDI Academy.
The original sample file was taken from EDI Academy. We copied the first employee 100 000 times to produce the large file.
We measured both regular parsing and with segments splitting (on Loop 2000).
A small 834 transaction is parsed for ~ 7 milliseconds.
100 000 employee enrollments are processed for 1 minute and 50 seconds with gradual memory increase, peaking at 282 MB, when no splitting is used.
100 000 employee enrollments are processed for 1 minute and 47 seconds with constant memory at 15 MB, when splitting by Loop 2000. Processing files with splitting is the clear winner when it comes to large files and preserving system resources.


Fatal error? Unknown Exception? INVALID Store Path? PC LOAD LETTER? Man, I'm glad I switched to Mac (granted that last one is a printer error message, but, for obvious reasons, it still makes me laugh every time I think of it).


The Wyoming sales and use tax exemption for the sale or lease of machinery used directly and predominantly in manufacturing tangible personal property has been extended from its original discontinuance date of December 31, 2010 to December 31, 2011 (Ch. 33 (H.B. 49), Laws 2010, effective March 4, 2010, and as noted).


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Treasury Buybacks: Not So Fast
by SUSAN ESTES | Jun 2, 2016 | Insights |
The idea of a U.S. Treasury buyback program has major drawbacks for the U.S. Treasury, end-investors, and even the Federal Reserve. Indeed, buying back off-the-run Treasuries (OFTRs) to create jumbo on-the-run (OTR) benchmarks will inadvertently lead to further deterioration in the OFTRs, the sector of the market that accounts for 98% of all Treasury issuance.
The root of the issue with Treasury buybacks lies in the bifurcation of the market, with trading of OTRs dominated by principal trading firms (PTFs). Helping this constituency by bolstering the size of benchmark issues does not add to the stability of the overall market. In contrast, genuine long-term holders of the government's debt are concentrated in the OFTRs. While these real money investors may use OTRs to adjust duration (or when they need immediate access to liquidity), portfolio re-balancing is often done in cheaper OFTRs.
Moreover, if OTRs are financed at negative rates, they become rich relative to everything else. This is a positive for the Treasury, because new debt issuance is completed at a lower cost to the taxpayer.
In October 2007, Ken Garbade and Matt Rutherford did an outstanding job of examining buybacks in a staff report titled, "Buybacks in Treasury Cash and Debt Management." They noted that, "Treasury officials did not undertake any systematic ex post assessment of the costs and benefits of the buyback program," and confirmed that debt management buybacks only change the form of Treasury indebtedness from OFTR to OTR debt, keeping the total indebtedness constant. But even more compelling was their statement, "there is … no reliable method for identifying the marginal consequences of additional supply for the size of the new issue premium and thus no reliable method for identifying the maximum appropriate scale of a strategic buyback program."
Today, neither academics, policy-makers or regulators have access to a reasonable data set to apply to the OFTR market. This should not prevent them from understanding the gravity of the liquidity shift that is taking place. Further, sound bites and claims that buybacks lower borrowing costs should not be adopted as fact without in-depth exploration.
Different Situation
Buy-backs were first floated in 1998 after a period of budget surpluses to help the Treasury manage its debt. As the discussion continued into 1999, I was then Chair of the Government and Federal Agency Division of what became SIFMA. It was my signature on the letter to the Director of the Bureau of Public Debt at the Treasury on behalf of the dealer's association that favored buybacks. Two years after the initial proposal, buybacks were launched and continued through 2002.
At the time of the program, total outstanding Treasury issuance was slightly over $4 trillion compared to over $13 trillion today. Billion dollar trades in aged securities (i.e., OFTRs) were commonplace. Over the course of the two-year buyback program, about 14% of the total amount of bonds publicly held at the end of 1999 was bought back. The program was tactical, in an era when dealers had seemingly limitless access to their balance sheets.
Today it is a very different marketplace. The United States is financing a significant deficit, underwritten in large part by the silent majority — real money investors. Total outstanding issuance has tripled. OFTR liquidity is fractured. Indeed, where once billion dollar trades in OFTRs were common, today it is a strain to execute $150 million, and roughly 40% of Treasury securities with maturities of 10 years or greater are now held in the Federal Reserve's internal SOMA portfolio, according to a 2015 report prepared by its markets group for the FOMC.
It's now been two years since the Treasury asked the Treasury Borrowing Advisory Committee (TBAC) to explore the idea of a buyback program. Soon after, the Treasury released the TBAC minutes, seemingly as a 'trial balloon' to gauge reaction from the primary dealer community. TBAC argued at the time that buybacks were a good option to smooth peaks, manage cash balances, and capitalize on relative value. Since the OFTR liquidity problems are more severe today than in 2014, it's quite possible that different conclusions would be reached had the analysis been conducted today.
In recent years, regulators are seen to have acted swiftly and in the best interest of the marketplace. However, both the Volker Rule and Basel III were put together with haste and with too many 'cooks in the kitchen'. This led to mistakes, one of which was to cripple market liquidity. Continuing down this current path could trigger the exact result they meant to prevent: the next 'Black Swan' crisis.
For example, exempting the U.S. Treasury market from the Volker Rule without exempting Treasuries from Leverage ratio calculations is tantamount to giving someone a boat in the desert. Market makers cannot take risk without balance sheet. As a result, poor liquidity has left OFTRs in a state of dysfunction, even though they represent the vast majority of all issues outstanding. This has a direct negative impact for the holders of those securities: large mutual funds, pension funds, bank portfolios, and foreign central banks.
In a recent speech to the Mortgage Bankers Association, Nate Wuerffel, SVP and Director of Treasury Markets, described market liquidity as the cost of quickly converting a desired quantity of an asset into cash (or cash into an asset) at an efficient price. His definition incorporates four components. What is the transaction cost of executing a trade? How quickly can you get in or out of a position? What quantity can be bought or sold at a given price? And finally, efficiency. Are trades conducted at efficient prices?
Regardless of the measure, if securities that trade more frequently are associated with a greater degree of liquidity, then it makes sense that academics, regulators and policy makers alike should shift their focus to improving liquidity in OFTRs, and not be skewed by the volume or revenue generated by the 2% of issuance dominated by professional traders.
Is there another positive we are overlooking? Lou Crandall said, "dealers would be in a better position to provide liquidity to customers looking to sell off-the-run if there was a known buy-back schedule that would allow them to unload the position." In February of this year, dealer inventories "ballooned" to $121 billion, but this only represents less than one-tenth of one percent of total outstanding issuance. During this time bid-offer spreads in OFTRs widened, because trading volume in these issues dried up long before the selling began.
The only way to tighten spreads and accommodate a large volume of transactions is to add balance sheet in combination with technology that allows disparate sources of liquidity to find one another. The constraints impairing the U.S. Treasury market must be loosened enough to allow relative value arbitrageurs to reenter the market and act as a line of defense; and loosened enough to allow dealers to increase their principal risk-taking activities in the U.S. Treasury market and encourage new platforms that allow the dealer community to take principal risk and act as agent. Do not assume PTFs will step in and magically fix the problem. Many who were active in sub-prime walked away during the collapse.
Ultimately, the responsibility for the smooth functioning of the marketplace is the Treasury's responsibility, whose mission includes "protecting the integrity of the financial system." This requires facilitating a fully functioning yield curve, not just for the 2% that is traded most actively, but also for the 'forgotten 98%' that is held in the hands of investors whose investment time horizon can fluctuate. Regularly scheduled trading auctions would be a good start.
Primary dealers, while continuing to take principal risk, should push for adoption of trading technology that can leverage dealer's balance sheets on an agent-basis; i.e., connect disparate sources of liquidity that foster an ecosystem where both exist side by side.
Finally, the Fed should be encouraged to open up the SOMA portfolio in order to re-liquify the curve. The size of the OTRs do not matter because the market allows for negative financing rates. If owning in excess of 40% of Treasury securities with maturities of 10 years and greater has added to market dysfunction, the mistake should be corrected.
In an effort to curb a potential catastrophe, policymakers have historically adopted new approaches to restore integrity to the markets. Therefore, it is not unreasonable to suggest they get in front of the one materializing before our very eyes.
Treasury buybacks? Not so fast.
Susan Estes is CEO of OpenDoor Trading, LLC, a provider of an all-to-all marketplace for off-the-run US Treasuries. During her career, she has managed fixed income trading at several major financial institutions including Deutsche Bank, Morgan Stanley and Countrywide Securities. She was also a member of the Treasury Borrowing Advisory Committee under Federal Reserve Chairmen Greenspan and Bernanke.


The last quarter has been a turbulent one in most markets due to adverse weather conditions, particularly in the US. Pork prices hit a high in December of 13.4% after a period of relative lows from July to October. Beef has seen a steady decline since a peak in May finishing at a low of 6.8% representing an overall drop of 3.8% from December 2011. Dairy prices have moved back up after plummeting in August and finish the year at 0.9% whilst Fish and Cereal prices have fluctuated significantly, finishing on 4.5% and 2.9% respectively. Overall, however, the total RPI has remained fairly constant ending the year on 3.1% and maintaining a year average of 3.6%.
There have been signs of strength in the December market with beef, in particular, proving to be markedly resilient to the economic climate with prices having risen to 10 p/kg dwt (2.7%) since the beginning of November.
Total expenditure on beef and beef products in GB showed a 4% increase between these periods to £1,994 million for the year ending 28 October 2012. This increase in the value of sales has come about despite a decline in the volume of beef sold on the domestic market and can therefore be seen a result of an increase in the cost per kg of beef as opposed to an increase in sales.
After a turbulent year pig prices closed at the end of December on a relatively quiet note. The Deadweight Average Pig Price (DAPP) nudged up a shade and now stands at a record high, closing the year at 161.09p compared with 147.63p a year ago.
This compares with a spot price of 163p/kg at the start of January representing a value reduction of almost £8 per pig. Similarly, piglet prices are continuing to reflect hopes of better finished pig prices in the months ahead and the latest Agriculture and Horticulture Development Board (AHDB) 30kg ex-farm piglet average stood at £46.19/head at the end of the year compared with £39 in mid September.
The UK Government has secured a deal that is good for both the health of our seas and the UK fishing industry at last year's annual round of fisheries talks. In negotiations that went through the night and into the morning, the UK managed to fight huge cuts to quotas across a number of different fish stocks. These proposed cuts, which the UK successfully pushed back against, were not backed up by scientific evidence, and could have contributed to an increase in the discarding of perfectly edible fish.
This positive news follows another major success, achieved during the first day of negotiations, when the UK successfully stopped a cut in the number of days that fishermen are allowed to spend fishing at sea.
Elsewhere, Anglesey Aquaculture Ltd, the only producer of sea bass in the United Kingdom, has hailed its first year of business as an overwhelming success. Produced exclusively at Anglesey Aquaculture's state-of-the-art recirculation fish farm in Anglesey, North Wales, the branded "Anglesey Sea Bass" has this year become a highly sought after product in the restaurant, catering and retail trades.
Dairy prices rebounded last quarter and have made up much of the price lost this time last year, especially within the diary powder market with skimmed milk powder now up on the year. Milk supply in the northern hemisphere reached its seasonal minimum, and diary product availability has tightened as a result.
According to latest industry estimates, a break-even cost to produce milk is 32 pence per litre (ppl), yet milk prices achieved on farm are as low as 25ppl, and typical liquid prices are between 29ppl and 31ppl. DairyCo estimates suggest milk production will be down by 7.3% this year as a result of the various pressures on-farm including the difficult weather conditions.
Global maize and wheat prices are up significantly over the past 12 months as crops were damaged last year by drought in both the US and Russia. World production has dropped by more than 5% from last season for both crops, and this drop will reduce the level of stocks available as consumption has remained strong.
Sugar and coffee prices are both down, whilst tea prices rose sharply and the cocoa market has become more normal, with butter now trading at a premium over powder. The sugar market has seen two consecutive seasons of record global production and coffee production this season has been very good for an 'off' year in its biennial cycle.
Meanwhile, the latest figures from the Potato Council show that in the week to 14 December, the wholesale price of UK grown potatoes was £245.63 per tonne, more than double the £114.17 price a year ago. Growers in the UK have been forced to deal with prolonged rain and waterlogged grounds which negatively affect the quality, quantity and price of potatoes.
In the fruit market, banana prices remain steady, however with unexpected weather conditions affecting yields – particularly Hurricane Sandy in the US – the future is a little uncertain. Similarly, the pear market has also experienced adverse effects due to US weather conditions and the actions of growers themselves and prices have increased.
Finally, Clementine market prices have been impacted by good supply and prices have been lowered from their peak in October. Supply levels dropped slightly last month, however are expected to increase and meet demand once again in the near future.
Belgian chocolatiers have created the world's largest vintage steam train made out of chocolate, in an attempt to boost the country's internationally renowned chocolate industry.
The 110-foot detailed sculpture of steam-powered locomotive created by chocolatier Andrew Farrugia is made up of 2,755 pounds of chocolate and took 784 hours to complete.
The train, which is displayed near the Eurostar train platform atBrussels' Gare du Midi, was created to promote the country's chocolate industry in the face of shrinking European market.
The forecast for 2013 food price inflation continues to indicate a steady rise in prices across most commodity groups. Poor local weather conditions for farmers, higher input costs, sluggish sales forecasts in combination with weak economic outlook across Europe is squeezing margins for all participants. Much of that wet weather has caused the flooding of the fields so a good deal of re-drilling will be required when the soil is dry enough to support the tractors and drilling equipment.
Where a few commodity groups appear to have weakened in their rate of inflation, such as lamb, chicken and edible oils, these may well adjust as producers compensate their supply to manipulate the price. Subsequently, this can lead to vulnerability in the market place due to speculative trading and restrictive practices from the supply chain.
We, here, at Partners In Purchasing will continue to keep a close eye on all pricing changes, negotiate to mitigate inflation, defend supplier contracts and ensure our clients are well prepared to protect margins wherever possible.
This entry was posted in Report and tagged Food Services, Market Report Spring 2013, PARTNERS IN PURCHASING, PIP. Bookmark the permalink.


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Agile Profile: Ben Kallos
NYC Council Member Ben Kallos in his City Hall office (Photo: William Alatriste)
Agile Profile is a regular feature profiling leaders in agile government.
Ben Kallos
NYC Council Member
Why did you choose Agile, especially for a non-software environment?
Most people think of government as slow and bureaucratic, but that isn't a required feature. In fact, it is a bug, mostly tied to old models that were successful in the industrial era. The predominant governing model was the "waterfall method," an approach that allows for ample input at the beginning of a project, but little—if any—during implementation or once the project is complete. Government must adapt from this industrial model to what it more closely resembles: an information and services based model that allows for continuous feedback along the way.
When I began serving as a New York City Council Member, I brought this goal to re-orient government with me. The only problem was that I was working with a team as well as co-workers in government who were used to or expecting the old model of governance, particularly from me. It was important to the goals we wanted to achieve together to adopt a system that would help us get there and that everyone could understand— and that was Agile.
In any given project for government, there will be multiple points of failure, foreseen and unforeseen, along the way. Through a waterfall method, projects often never get done or that get done in a manner that disappoints. Through Agile, the team is able to plan ahead and adapt as failure is managed into overall success.
12 Principles of Agile Government
(modified from the original "Twelve Principles of Agile Software")
Our highest priority is to satisfy the constituent through early and continuous delivery of valuable services.
Welcome changing circumstances, even late in implementation. Agile processes harness change for the constituent's advantage.
Deliver working services frequently, from a couple of weeks to a couple of months, with a preference to the shorter timescale.
Constituents and government must work together daily throughout the project.
Build projects around motivated individuals. Give them the environment and support they need, and trust them to get the job done.
The most efficient and effective method of conveying information to and within a project team is face-to-face conversation.
Working services are the primary measure of progress.
Agile processes promote sustainable development. The government and constituents should be able to maintain a constant pace indefinitely.
Continuous attention to technical excellence and good design enhances agility.
Simplicity–the art of maximizing the amount of work not done–is essential.
The best architectures, requirements, and designs emerge from self-organizing teams.
At regular intervals, the team reflects on how to become more effective, then tunes and adjusts its behavior accordingly.
Following the Agile workflow, when taking on a project, my team first identifies whether it will satisfy the constituency, identifies likely and unlikely challenges and thresholds for changes to the project, begins the project providing initial drafts using a process that allows other team members to track progress, checks in with constituents requesting the project frequently, provides support internally among team members and requests support from constituency when needed, checking in regularly online and face to face. We deliver a working project followed by reflection on success and failure during the project with opportunities for improvement on the next project.
Did you see positive results immediately or did it take time?
Agile takes time to learn, time to implement, time to do correctly, time for the culture to permeate, and time for the final step of reflection, which provides iterative improvement to bring positive improvement to the work environment.
Our method for team reflection on how to become more effective, then tuning and adjusting its behavior accordingly, follows the retrospective model on which we were trained by CivicActions. The first retrospective was tough as we began to change the way we think about how we work and reorient. By the second retrospective team members came in with specific changes that helped get our government office to the productive place it is now. Subsequent retrospectives have brought on fine tuning that often corrects new problems that have come up or previous problems that might have slipped between the cracks during previous retrospectives.
What challenges did you face, and how did you overcome them?
A big challenge has been to get around the expectations of a hierarchical, regimental, bureaucratic organization, and the struggle with our office's changing course on a project. Most people are used to project assignment then success or failure, not project assignment and collaboratively working together until the project is a success. Team members can feel frustrated to continually face failure on a project only to have the project change in order to overcome that failure. Once the team has been through enough projects to understand Agile, we become increasingly ready to respond to changes.
As a team leader, I have also found that team members are unsure of how to accomplish tasks and ultimate goals of the project. I have found that providing an outline of the project along with predicted points of failure and likely project changes provides the big picture team members need to adapt to Agile.
What resources do you recommend to government leaders who want to get started with Agile?
Training, training and more training. When I first got elected, we adopted Agile, but we didn't institute it correctly or fully. While we got most of the way there, key aspects were missing and while team members understood what we were doing they didn't understand why we were doing it. As frustration with Agile grew, we decided to have a staff training from an Agile champion from CivicActions, where I had been first trained. That Agile training made all the difference, resulted in buy-in from the team, and adoption of the full Agile toolset.
Elizabeth Raley 2017-04-23T23:03:02-08:00 November 5th, 2014|Categories: Agile government, Agile Q&A|Tags: Ben Kallos, CivicActions|
About the Author: Elizabeth Raley
Elizabeth Raley is director of professional services at CivicActions and member of the Agile Government Leadership steering committee. Connect on LinkedIn.


Now you don't have to feel guilty when your life keeps you busy. This handy feeder conveniently allows you to leave your pet at home without worrying about him missing meals or snacks. Fill up the 5 one-cup portion sections and set the timer for when you want your pet to get fed. The tray will rotate at the scheduled mealtime to deliver your pet's mealtime exactly when he needs it.
Press "clock", then press "set" until the hours flash.
Press "set" until the minutes flash.
Press "clock" to finish setting the time of day.
Press the "clock", then increase until the daily feeding time indicator displays.
Press "set" until the hours flash.
Press "clock" to finish setting the feeding time.
Press "clock", then press increase to display the next daily feeding time.
Press "clock," then press increase until the daily feeding time you wish to remove displays.
Press and hold "suspend feeding" for 7 seconds, then release. The suspend feeding icon will appear in the upper right corner of the clock display. The ":" between the hours and minutes will flash once each second.
Press "clock", and the suspend feeding icon will disappear from the clock display.


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The Bethlehem Board of Education will appoint new school leaders at tonight's meeting
by Ali Hibbs
in Bethlehem, News, Schools, Towns
BETHLEHEM — At its June 15 meeting, the Bethlehem Central Board of Education plans to appoint David Hurst as the district's Assistant Superintendent for Educational Programs. They will also assign interim school leaders for the 2016-17 school year at the district's middle school and high school, per a message from Superintendent Jody Monroe.
Hurst, who has been serving as Interim Assistant Superintendent for Educational Programs since September 2015, had previously been the district's math supervisor for five years. Prior to Bethlehem, Hurst worked in the East Greenbush and Niskayuna Central School Districts, where he taught math in grades 6 – 12 for more than 20 years. He holds a master's degree from Union College, a certificate in administration from UAlbany and a bachelor's degree from SUNY Plattsburgh.
"We are fortunate to have someone in Dave Hurst who is not only highly qualified to direct our instructional program, but is already well-versed in the day-to-day operations of the school district," said Board of Education President Matt Downey. "We look forward his continued leadership on behalf of our students and staff."
Michael Klugman, who was appointed interim high school principal last month when Principal Scott Landry was placed on administrative leave in May, will continue to serve as interim principal of the high school into the 2016-17 school year. His appointment is effective July 1, and will continue through June 30, 2017. Klugman, who has served as principal of Bethlehem Central Middle School since 2011, became principal after serving for four years as the district's science and technology supervisor. Prior to Bethlehem, he worked at Mohonasen as that district's K – 12 science supervisor, and taught science in the Albany City Schools. He has a master's degree from University at Albany and a bachelor's degree from the University of Rochester.
David Doemel, Jr. will be appointed interim principal of the middle school for the 2016-17 school year, effective July 1. Doemel currently serves as a hall principal at the high school and has served as a high school administrator in Bethlehem since 2013. He has also worked as a school counselor in the East Greenbush Central School District and began his career in education teaching English and Global Studies at Christian Brothers Academy. Doemel has a master's degree from Sage Graduate School and a bachelor's from St. Bonaventure University and received his Educational Leadership Certificate from The College of Saint Rose.
Mark Warford has served as interim principal at the middle school since May and will resume his role as the school's assistant principal; Ken Rizzo will return to his role as hall principal, after filling the temporary vacancy created when Warford changed roles.
"With these pending appointments, we feel strongly that we are providing able leadership and continuity for students and staff that will serve everyone well in the next school year," said Board of Education President Matt Downey.
Tags: Assistant Superintendent for Educational ProgramsBethlehem Board of EducationBethlehem Central School DistrictDavid Doemel Jr.David Hursthigh school principalMichael KlugmanMiddle School Principal
Night and Day for the week of June 15-21
Troy organization launches geocaching project: Find eight hidden boxes with eight original stamps commemorating bicentennial


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2.39 - Stones
Hello and welcome to season 2 episode 39 of The Berean Manifesto, brought to you by The Ekklesian House. This is Pastor Bill and over the next 10 minutes or so we are going to be talking about stones; stumbling, mill, and corner.
There's this event in the Gospels where Jesus is riding a donkey into Jerusalem and a very large crowd spread their clothes on the road while others cut palm branches from the trees and spread them on the road. The disciples began to loudly praise God for all the miracles they had seen saying, "Blessed is the King who comes in the name of the Lord. Peace in heaven and glory in the highest heaven!" Some of the Pharisees told Jesus to rebuke His disciples and He answered, "I tell you, if they were to keep silent, the stones would cry out." Then the crowds, which were there when He called Lazarus out of the tomb and raised him from the dead, who went ahead of Jesus and those who followed began to shout, "Hosanna to the Son of David! Blessed is he who comes in the name of the Lord – The King of Israel! Blessed is the coming kingdom of our father David! Hosanna in the highest heaven!"
That phrase "Hosanna" is the Greek transliteration of the Hebrew words:
H3467 יָשַׁע yâsha' yaw-shah' A primitive root; properly to be open, wide or free, that is, (by implication) to be safe; causatively to free or succor: - X at all, avenging, defend, deliver (-er), help, preserve, rescue, be safe, bring (having) salvation, save (-iour), get victory.
H4994 נָא nâ' naw A primitive particle of incitement and entreaty, which may usually be rendered I pray, now or then; added mostly to verbs (in the imperative or future), or to interjections, occasionally to an adverb or conjugation: - I beseech (pray) thee (you), go to, now, oh.
This is what the crowd would yell at the coronation of a new Israeli king as he would ride into Jerusalem on the back of a donkey while they cut palm branches and laid them on the ground in the donkey's path, "Yâsha' nâ'." There was also an anti-Roman militant group in Jerusalem at the time who had taken up "Yâsha' nâ'" as the rallying cry for their movement.
However, the portion of this passage that really pertains to this episode is when Jesus says, "if they were to keep silent, the stones would cry out." This isn't the only time we see this type of sentiment in the Gospels, in Matthew 3 John the Baptist is preaching repentance and baptizing people in the river. This message cuts crosswise of everything that the religious leaders were teaching and undermines thousands of years of ceremony. John was teaching that ALL should repent and turn to God to prepare for the arrival of the Messiah. The religious line of the day was that gentiles couldn't repent and turn to God, for no other reason than that they were born gentile. And Jews, well, they didn't believe they needed the repentance that John was preaching because of the yearly sacrifices covering sin and because they were descendants of Abraham and heirs of the covenant that God made with Abraham.
Now the Pharisees and Sadducees were two groups who historically were in constant contention about the finer details of Jewish theology, but both agreed that John and Jesus were off base. John sees some well known members of each group get in line to be baptized and he openly rebukes them, "Matthew 3:7-9 [7]..."Brood of vipers! Who warned you to flee from the coming wrath? [8] Therefore produce fruit consistent with repentance. [9] And don't presume to say to yourselves, 'We have Abraham as our father.' For I tell you that God is able to raise up children for Abraham from these stones." That word "stones" in both scriptures is the Greek word:
G3037 λίθος lithos lee'-thos Apparently a primary word; a stone (literally or figuratively): - (mill-, stumbling-) stone.
A stumbling stone is pretty self explanatory, there's a stone in the dirt of the path and it trips you. A millstone is a large round stone that rests in a shallow basin with a rod through it to a center kind of like the wheel on a car, but with a rod sticking all the way out. And that rod is connected to a vertical rod. It's set up so that when you push the horizontal rod the stone rolls around the circle of the basin. You throw grain or whatever you want to crush in there in the path of the stone, and as the stone rolls it crushes it. In both these scriptures, the reference is the un-orthodox and the Gentiles.
To the point of view of the Pharisees and Sadducees, the Gentiles and anyone who didn't agree with their ultra-orthodox interpretations of the law was considered a stumbling stone - tripping up the faithful, or a millstone grinding away at the truth. Isaiah prophesied about these two groups and their relationship to Jesus in Isaiah 8:13-15 read, "[13] You are to regard only the LORD of Armies as holy. Only he should be feared; only he should be held in awe. [14] He will be a sanctuary; but for the two houses of Israel, he will be a stone to stumble over and a rock to trip over, and a trap and a snare to the inhabitants of Jerusalem. [15] Many will stumble over these; they will fall and be broken; they will be snared and captured."
When John says, "God is able of these stones to raise up children unto Abraham," and when Jesus says, "if they were to keep silent, the stones would cry out," you should get a mental image not of John or Jesus gesturing down into the edges of the river or the road where there were physical stones on the ground, but know that they are talking about you and I.
I am a stone that they were talking about there. Most of you are stones that John and Jesus were talking about there. Not born an orthodox Jew, not legally qualified to walk in the blessings of Abraham. But God... But Jesus... Through the redemptive work of Christ; I have been, you have been, or could become. We have been raised up to the status of Children of Abraham. We have been raised up to heirs of the covenant that God started with Abraham that was finished through Christ on the Cross.
This whole concept goes a step further when we consider Psalm 118:19-24, "[19] Open the gates of righteousness for me; I will enter through them and give thanks to the LORD. [20] This is the LORD's gate; the righteous will enter through it. [21] I will give thanks to you because you have answered me and have become my salvation. [22] The stone that the builders rejected has become the cornerstone. [23] This came from the LORD; it is wondrous in our sight. [24] This is the day the LORD has made; let us rejoice and be glad in it." That stone, the one that the builders rejected, that's Jesus. The builders there being the Jewish religious leadership during Jesus time.
We know this passage is about Jesus because Jesus is quoted as referencing Himself using this passage in Matthew 21, Mark 12, and Luke 20 after telling the parable about a landowner who planted a vineyard and entrusted it to farmers to care for. The owner sent multiple servants to collect the fruit from the vineyard and the farmers abused and killed them. Finally, the landowner sent his son thinking they would surely respect him. The farmers seized the son, threw him out of the vineyard and killed him. You're intelligent people, but I'm not going to assume you caught all the hidden references there. The Landowner is God. The vineyard is the divine inspiration of God given to mankind in the Torah; Genesis, Exodus, Leviticus, Numbers, and Deuteronomy. The farmers are the biological descendants of Abraham, Isaac, and Jacob who rejected and slaughtered the prophets sent to them. Then doing the same to the son of the landowner, the son of God, Jesus. In Matthew 21:43-44 Jesus lays it out for those rejecting Him, "[43] Therefore I tell you, the kingdom of God will be taken away from you and given to a people producing its fruit. [44] Whoever falls on this stone will be broken to pieces; but on whomever it falls, it will shatter him."
We as Christians, heirs of His mantle are the stones who are the descendants of Abraham. Like Christ, we are, "a stone to stumble over and a rock to trip over," we lead people to The Stone that breaks their walls to pieces and sets them free.


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Gov. UpdatesNewsReverse Mortgage
HUD Funding Grants Will Support Reverse Mortgage Counseling
April 14, 2015, 9:46 pm By cdowell
The U.S. Department of Housing and Urban Development (HUD) awarded more than $36 million in grants to national, regional and local housing counseling organizations, HUD announced Tuesday.
While the grants are not allocated directly to reverse mortgage counseling, they will support counseling overall, with agencies responsible for allocating funding for their reverse mortgage operations. In 2013 the agency changed the way it allocates funds to include all counseling funding under a single grant rather than separating reverse mortgage counseling funds.
More than $34 million of the total funding will directly support the housing counseling services provided by 29 national and regional organizations, six multi-state organizations, 20 State Housing Finance Agencies (SHFAs) and 215 local housing counseling agencies, according to HUD.
In addition, HUD is awarding $2 million to three national organizations to train housing counselors. These organizations include the National Community Reinvestment Coalition, Inc. ($589,680); National Council of La Raza ($559,458); and Neighborhood Reinvestment Corp. ($850,862).
"This is going to bolster our housing market," said HUD Secretary Julián Castro, in an announcement. "For consumers in the housing market, knowledge is power and these grants [will help consumers] avoid unfair practices and secure a homie that serves as a platform for future success."
The grants will be a "game changer," for both current and future generations, he said.
The housing counseling housing grants were competed through HUD's two-year (FY2014 – FY2015) Comprehensive Housing Counseling Grant Program Notice of Funding Availability (NOFA) published March 4, 2014.
HUD also recently published a notice in the Federal Register regarding the creation of the Housing Counseling Federal Advisory Committee (HCFAC), a federal advisory committee established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Federal Advisory Committee Act. Appointment nominations for the new committee are being accepted through May 14, 2015.
The committee will provide advice to the the Office of Housing Counseling (OHC).
"The value of HCFAC will be to advise the OHC to meet its mission to provide individuals and families with the knowledge they need to obtain, sustain, and improve their housing through a strong national network of HUD-approved housing counseling agencies and HUD-certified counselors," states an announcement in the Federal Register. "The HCFAC, however, shall have no role in reviewing or awarding of OHC housing counseling grants and procurement contracts."
View the 2015 state and local housing counseling grantees here.
As we get ready to bid farewell to a tumultuous year, let's take a look back at the top biggest reverse mortgage stories of 2022.
Dec 22, 2022 By Chris Clow
New retirement legislation could pass before new Congress HW+
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Don't miss the Vanguard Forum at HW Annual Oct. 4 HW+
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ReverseVision among 2022 HousingWire TECH100 Mortgage honorees HW+
Mar 03, 2022By Chris Clow
AAG extends reach to TikTok, sponsoring vocabulary challenge with senior influencer HW+
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FAR president offers new details on AAG acquisition
Gov. Updates
New retirement legislation could pass before new Congress


The latest patent documents show that the global shipping giant UPS is considering trading items to accept bitcoin teller service.
According to the U.S. patent and Trademark Office (USPTO) is an application released Thursday, UPS is focused on a can use digital payment locker system. In addition to the traditional payment system, patent documents will bitcoin as may be used to pay money.
The document outlines a cabinet system, where a transaction or the sale of goods people can put it in the cupboard, let buyers pick up at a convenient time. If the two sides have rented lockers, some of these lockers may be configured to accept payment.
This patent application later mentioned bitcoin, which is a way of offering refunds for customers, including credit cards and other traditional methods of payment.
The application is bitcoin for payment may be listed in the latest patent case. Although this does not mean that the company is fully accept the encryption currency, but as an option, highlighting it as a medium of exchange of digital image.
In 2017, more than 20 patent documents mentioned in the United States Patent and Trademark Office released in bitcoin is a possible payment system. Although this figure is a slight decline in 2016, but it reflects the ideas published in the past two years the number of patent applications 50.
Bitcoin has the upper limit of 21 million BTC, now there are less than 25% have been issued, the issuing rate is very slow, the equivalent of a very low rate of inflation. Or that seigniorage is very low. Bitcoin corresponding economy and gold.
Gold also has an upper limit, the earth is so much, dig out a little every day. It can be understood as the inflation rate is very low, or seigniorage is very low.
Gold trading cost is very high, the sale of gold to the agency bank or its agent in China people only, not only have the transaction fees, there is a special repurchase fee. Bitcoin corresponding economy and gold.
To buy Jewelry form, but also to all kinds of cost in disguise. How high can't estimate. We can be understood as the gold "consumption tax" is very high. Bitcoin corresponding economy and gold.
Bitcoin transaction costs relative to gold is very low, but is gradually rising. Bitcoin corresponding economy and gold.
The GDP is the world's gold GDP, gold after thousands of baptism, almost all of them accepted gold, that gold is a precious metal deposit. Gold does not need to accept the development of population, economy to increase the corresponding. No development, isn't it?
Bitcoin is not the same, bitcoin corresponding economy and gold. Bitcoin corresponding to GDP is very small, but very fragile, people can use other abandoned bitcoin transaction media. Just last year, bitcoin industry lost several large companies, Shao Cirle.
A Circle change in the bitcoin on the block chain industry is how to treat?
In the news, you can also feel a particular emotion.
On the surface, Circle decided to give up bitcoin trading services, perhaps there is precedent. The company has long been in its discussion in social payments on efforts, and the bitcoin protocol as a financing basis, rather than customer oriented monetary cognition.
Circle, the decision may not cause a big impact. The company will continue its customer transaction (buying and selling) bitcoin, in exchange for cash, will also continue to use the agreement as a basis for a new hybrid block chain platform Spark.
However the situation is, in the news release after a few hours, according to Circle, there are various views. This means that the transformation is not completely unexpected, not loved, depend on the specific object of inquiry.
According to the media reports, some startups in the customer to see this news, the mood is complex, even a little disappointed, especially those customers who use Circle as their main portal of trading bitcoin.
JoeColangelo, chairman of the consumer advocacy group Consumers'Research Circle was not a surprise for this decision. He said, Circle long ago showed signs of.
He will cause the shift to low income, and that the Circle in the future will be a more favorable opportunity to restore the service.
In response to CoinDesk's comments, changed Circle answer. Company representatives said that most of the business resources are invested in the bitcoin trading to, which with their core mission will be quite different.
Unocoin co-founder and chairman of Circle SunnyRay also decided not surprised, but he still made a critical remarks, Circle said "short-sighted", did not recognize bitcoin as a digital replacement value of assets like gold.
Other people are not aware of this change is coming.
Block chain products ARK investment management director ChrisBurninske Circle of this shift in surprise. He is very confused, and predict the number of financial companies will begin to play a role.
This view is very common in the survey, but Circle said they did not suggest that the shift and the U.S. government to increase the tax on digital currency action.
Burninske will be part of the transformation of the Circle as bitcoin startups bigger change. These startups will have their attention to the application.
In addition, like Colangelo, Burninske also believes that Circle may not always give up bitcoin transaction services.
Coinbase seems to be the last winner of the change. Because, according to the Circle blog content the change of view, with the intention of buying bitcoin Circle customers can turn to Coinbase, which will enable Coinbase to become the preferred trading platform for startups "".
TimDraper is an investor in Coinbase, from the DFJ venture capital fund. He said in an email, the change of Circle will lead to the loss of market share, which has helped Coinbase.
FredWilson, another UnionSquareVentures Coinbase investors said, although he did not understand the motivation behind Circle change, but it will undoubtedly put in the strategic position of Coinbase digital currency transactions and wallet services.
Of course, not all people think this is a chance. TimSwanson researcher R3 block chain alliance in the twitter pointed out that the block chain ecosystem services and is still trading wallet industry received degree, low participation in the field.
In shock, some industry observers told CoinDesk, in general, from the perspective of Circle, this change is very wise.
One of the accepted this change is the writer WilliamMougayar, he told the CoinDesk that a greater share of this change allows Circle to seize the global remittance market.
Researchers Needham&Co SpencerBogart stressed that Circle did not give up bitcoin completely, perhaps the start-up company is considering cuts that might not be beneficial service, and points out some other seek more interests in the field of the company.
He added that the Circle change is not a bad reflection of digital currency itself.
Author adminPosted on April 28, 2018 Tags increase, line, return, sale, 微软Leave a comment on A Circle change in the bitcoin on the block chain industry is how to treat?


The bride's lovely long veil made for a lovely long kiss in this Hotel Bellevue at Bellevue Club wedding photography.
On a beautiful night to get married in downtown Bellevue, Washington, this image was created with my 70-200mm lens when I asked the couple if they could just be silly for a few moments. It captures the bride's beautiful veil, dress, jewelry and hair as well as an even more beautiful embrace between the bride and groom.
A luxury hotel and fantastic destination for wedding photography, the Hotel Bellevue at Bellevue Club bridal suite offered a gorgeous setting with incredible light to get ready and to begin the day's wedding photography.
We later took an enjoyable photo walk around town to capture a series of portraits at the downtown Bellevue Park and surrounding areas, including the Bellevue Art Museum and Westin. We brought in classic and modern, color and black and white, silly and serious in these wedding portraits.
The heart of beautiful downtown Bellevue is nestled between the Cascade Mountains and Puget Sound, creating majestic views for as far as the eye can see – but you don't have to look very far to see a blissful sight right here.
The award-winning Hotel Bellevue at Bellevue Club's Olympic Ballroom also offers a lovely garden for wedding ceremonies, dramatic colors and design, an atrium with skylights and a baby grand piano, wonderful reception space, a sense of grace, and a setting very deserving of this happy bride and groom.
Location: 11200 SE 6th St, Bellevue, WA 98004.
Keywords: Bellevue (3), Bellevue Club (3), Hotel Wedding (48).


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text:
Evaluating Georgia's Aviation System and its Need for Aircraft Storage Hangars
Nov 10, 2021 | Airports, Aviation, Aviation Facilities
I recently had the opportunity to meet with the Georgia State Legislature Joint Study Committee on Airport Infrastructure and Improvements. I presented findings evaluating Georgia's current aviation infrastructure with a special focus on hangars. A clear plan for supporting development of state-wide hangar infrastructure in ensuring the growth of airports across Georgia, which serve as critical economic drivers for the state.
Hugh Weaver, Jr., PE, LEED AP BD&C
Vice President - Aviation
Meeting the Growing Demand for Aircraft Storage
General aviation is more popular than ever. This year, corporate flying is up 5 percent on a global scale, according to WINGX's Global Market Tracker. Private jet travel has recovered far more quickly than commercial airlines. Private jet charter company Wheels Up reported a 68 percent increase in first-quarter revenue this year.
As private flying becomes more popular, the demand for aircraft hangar space in the U.S. far outpaces availability. According to a recent survey by Aircraft Owners and Pilots Association (AOPA), more than 70 percent of airports surveyed have a waiting list for their hangars with most airports having a more than six-month wait period. In Georgia, airports are seeing similar demand, with some reporting wait times up to 15 years with current capacity.
Clear Need for Aviation Infrastructure
There is an indisputable need for study and plans for improvements in airport infrastructure and services that are needed to meet the needs of Georgia's aviation system users now and in the future. America's airports are powerful engines for economic opportunity in local communities, generating more than $1.4 trillion in annual economic activity and supporting nearly 11.5 million jobs. While aviation traffic continues to grow at a record pace, our outdated aviation infrastructure cannot keep pace with this overwhelming demand.
Without any major update to federal funding options for airports in the last 20 years, airports have all but exhausted the financial resources available to them. Absent the funding necessary for improvements and modernization of facilities, airports have delayed projects, thus increasing the cost and prolonging construction times. Airports are struggling to update the nation's aging airport system, including adding much-needed hangars, and are at risk of falling behind without funding relief.
We know the need and demand are there, so what's stopping airports from building more hangars?
While aviation traffic continues to grow at a record pace, our outdated aviation infrastructure cannot keep pace with this overwhelming demand.
Funding New Facilities Faces Major Challenges
Funding and grant availability are major obstacles to hangar construction. Restrictive procedures and high costs associated with building hangars, including site development, permits, engineering, and design, are common challenges given the difficulty in understanding how quickly costs can be recouped and determining lease rates.
The degree of flexibility afforded individuals for designing, building, using and eventually disposing of a hangar varies with the type of airport on which it is to be constructed. Permitting and building requirements vary by community and require early communication with the authority having jurisdiction. Privately owned airports, which are generally precluded from FAA funding, often pose fewer restrictions on development as they do not have a mandate to protect the public. Public–use airports, those that accept federal Airport Improvement Program (AIP) funds, agree to run the airport under restrictive covenants as a condition of receiving money. These conditions are called grant assurances. Those airports have extensive power to regulate terms and conditions of hangar construction and use as well as the terms of the lease for the ground on which private entities build the hangar.
FAA Grant Assurance 38 calls for airport land leases for hangar construction to be "long term." A ground lease must be long enough for the hangar owner to get a loan to build the hangar, pay it off and get value from use of the hangar. The FAA provides only loose guidance, giving the airport sponsor leeway in defining long term. Since an airport–owned hangar structure is leased at a higher rate than a ground lease, some airport sponsors may prefer to limit the term to gain the value of the structure asset. The tenant/user is motivated to maximize the use term of the facility that is constructed. The useful life and routine maintenance requirements are essential elements of consideration in a lease term.
A common rule of thumb for hangar rental prices is that the busier the airport (often due to popular locale), the more expensive the hangar rental rate. Rental rates also increase in relation to the quality of the hangar. If the hangar has electricity or a complex door installed, for example, higher rental rates can be charged. Many appraisers use proximate mini-storage warehouse rentals as comparable for use in estimating hangar rents. With current construction market conditions, this value offers little for airports or tenants to amortize their asset with a competitive return on investment. Airports are forced to make individual competitive market decisions when adjusting rental rates, fearing that rate increases will drive tenants to other locations. Georgia does not currently have a comprehensive rate analysis that allows airport sponsors to make informed decisions and limit their ability to abide by FAA rules regarding self-sufficiency.
How Are Other States Managing?
Minnesota Hangar Loan Revolving Account Program
The Minnesota State Hangar Loan Revolving Account Program provides an 80 percent interest-free loan to state system airports for building new hangars. The loans are paid back in equal monthly installments over 20 years. The current rate of interest on these loans is zero percent. Payment receipts, as they become available, are then loaned out again to other airports needing hangars. The hangar loan may be used to fund hangar site prep as well as the hangar building.
With a current capitalization of $4.4 million, the purpose of the program is to provide loans to publicly owned airports allowing them the ability to construct revenue-generating hangar facilities and provide protection to the fleet of general aviation aircraft. The Commissioner of Transportation maintains the account and loans are processed through the Minnesota Department of Transportation Office of Aeronautics.
To date, 75 communities have used 209 loans to build 1,118 aircraft storage hangars since the first loan was issued in 1959. Currently, there are about 10 airports with hangar loans being repaid.
Florida Department of Transportation Work Program
FDOT's Work Program includes significant focus on the maintenance and construction of aircraft hangars. In total, $262,874,464 was requested from the state for these types of building projects, with $82,204,794 being funded in the current program.
In the next five years of the FDOT Work Program, $115,688,320 in aviation funds is expected to be spent on airports and aviation projects in Florida. As shown below, 6 percent of aviation funds will be spent on aircraft storage hangars.
Buildings Projects in the JACIP and FDOT Work Program (FY 17-22)
Funding by Project Type (FY 13-17)
Maintaining Market Rates for Hangars in Wisconsin
Each year, the Wisconsin DOT's Bureau of Aeronautics (BOA) surveys public-use airports regarding rates, charges, and related activities. Airports are required to submit responses as a condition of receiving state funding. More importantly, the survey results serve as a comparative tool to help airports gauge financial practices and needs.
The most recent survey indicated the average annual ground lease rate for a private hangar increased by two cents to $0.16 per square foot. The most common rate also increased two cents to $0.10 per square foot.
A total of 48 airports in Wisconsin, more than half of the respondents, reported having T-hangars available to rent: seven commercial service airports, 12 large general aviation airports, 23 medium general aviation airports, and six small general aviation airports. Monthly, T-hangars rates were available at 40 airports and rates ranged from $40 to $300 per month for a Cessna 172, with an average rate of $155. Annual T-hangar rental rates were rare and varied greatly. Six airports reported annual rental rates for a T-hangar.
Several states find value in a systems approach to valuation of hangar and fuel pricing. Like the development of Georgia's Statewide Aviation System Plan and Economic Impact Studies, states often take the lead in inventory and market analysis of aircraft tie-down rents, fuel prices, and hangar rents. This effort can be undertaken by a single airport, but individual airport sponsors have no means to compel neighboring airports to respond to a survey, often fearing loss of a competitive edge.
Results of a statewide analysis of hangar rates can be used to evaluate fair and equitable charges as defined in FAA's grant assurances and could be used in a statewide effort to make system-wide adjustments. These adjustments would ensure proper return on investment for funded developments.
USDA as an Alternative Funding Source
In 2019, the U.S. Department of Agriculture under the leadership of avid aviation enthusiast Secretary Sonny Perdue, introduced the Community Facilities (CF) Direct Loan Program, providing affordable funding to develop essential community facilities.
Under this program, airport hangars are listed as an acceptable example of an essential community facility. There are other precluding factors such as the facility must be in a rural area and primarily serve rural residents and it must be operated on a nonprofit basis which does not include private affairs, commercial, or business undertakings.
Traditional strategies used by airports, using different combinations of FAA AIP funding, tax-exempt bonds, state and local grants, and airport revenues to finance projects, are not able to keep up with funding demand. Small airports are more likely to be dependent on FAA AIP/GDOT grants than large or medium-sized airports.
FAA's long-held Airways and Airports Trust Fund has been the primary funding source for General aviation capital expenditures. Under that program, general aviation, reliever, and nonprimary commercial service airports are apportioned 20 percent of FAA AIP funds subject to apportionment. From this share, all airports, excluding all non-reliever primary airports, receive the lesser of the following: $150,000; or one-fifth of the estimated five-year costs for airport development for each of these airports as listed in the most recent National Plan of Integrated Airport Systems (NPIAS).
Any remaining funds are distributed according to a state-based population and area formula. FAA makes the project decisions on the use of these funds in consultation with the states.
Nearly all states provide financial assistance to airports, primarily in the form of grants used as matching funds for federal AIP grants or as separate state grants. States fund their grant programs through a variety of sources, including aviation fuel and aircraft sales taxes, highway taxes, bonds, and general fund appropriations. According to the results of a survey conducted by NASAO, states provided an annual average of $477 million to national system airports, with $345 million (72 percent) going to smaller airports and $131 million (28 percent) going to larger airports. Matching grants accounted for $345 million (72 percent) of the state grant dollars, and state-only grants accounted for $132 million (28 percent). According to FAA airports officials, states vary significantly from one another, with some states able to provide significant support to airports, while others are not due to a variety of factors.
Nearly all states provide financial assistance to airports, primarily in the form of grants used as matching funds for federal AIP grants or as separate state grants.
While there is no "silver bullet" funding solution for Aviation in Georgia, there are various ways in which the state can assist in the funding of airports development. Key mechanisms that should be explored by state leadership in support of airport development and operations include loans, loan guarantees, increased direct grants and equity injections, and discount on user charges funded through reinvestment of taxes of real property at airports into their maintenance upkeep.
Hugh F. Weaver, Jr., PE, LEED AP BD&C
A Civil Engineer and Airfield Designer, Hugh launched his career working with small, rural general aviation airports. Over time, he has been involved in an expanded resume of larger and more complex airports, including major airline hubs and military installations. Hugh has a Bachelor of Science in Civil Engineering Technology and is a registered professional engineer.
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Pam Little Named SAME Southeast VP
ATLANTA – March 28, 2022 – Pond is honored to announce that Federal Program Manager Pam Little has been selected to serve as Regional Vice President (RVP) of the Southeast region of the Society of American Military Engineers (SAME). SAME builds leaders and...
Pond Ranks #1 Atlanta Engineering Firm for Second Year in a Row
ATLANTA – February 23, 2022 – Pond, a progressive, full-service engineering, architecture, and planning company, has been recognized as the area's top engineering firm by Atlanta Business Chronicle. Pond has maintained its number 1 spot among the city's largest firms...
Advancing Diversity and Inclusion through Connection and Collaboration
As Pond's new VP of HR, I cannot tell you how proud it makes me to hear our company leaders say we need to do more to promote diversity and inclusion. You see, our workforce is already more racially and ethnically diverse than the typical architecture and engineering...
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The forum was organized by the Ministry of Economy in cooperation with the Italian Embassy in the UAE, the Dubai Chamber of Commerce and Industry, and several businesses and investment entities in Italy. The forum is part of the Italian delegation's official visit to the UAE under the chairmanship of H.E Luigi Di Maio, with the participation of senior officials of the Italian government and representatives from around 200 Italian companies, investment and trade agencies in Italy.
H.E added that the trade exchange figures between the two countries reflect its strong economic ties. The total volume of non-oil trade between the two countries in 2017 amounted to more than USD 7.8 billion and exceeded USD 5.7 billion in the first nine months of 2018, with a growth of 7.7 per cent in the country's exports to Italy, as compared to the same period in 2017. He pointed that the UAE is the largest Arab trading partner of Italy, while Italy is the fourth largest European partner of the UAE and the second largest exporters from Europe, according to data in 2017.
H.E. De Maio explained that Italy's economy is rich today in many vital sectors such as renewable energy, infrastructure and real estate investments, as well as the Italian government is focused on supporting start-ups in the country and increasing investment in innovation.


A man dressed in an animal onesie was shot by Baltimore Police after walking into a local television station and allegedly making a bomb threat.
The incident unfolded Thursday afternoon at Baltimore's Fox 45 when the man walked into the station's lobby, claiming to have a bomb and a thumb drive with information, though what that information was is unknown.
The station's news director was reported as saying that the man, who was also wearing a surgical mask across his face, claimed his information was comparable to revelations from the recent "Panama Papers."
The Baltimore Sun also reports that a car was set on fire in the station's parking lot though police have not said whether or not the two incidents are connected.
Police evacuated the office and set up a perimeter, and a short time later, the man exited the building. When he refused to comply with police orders, according to media reports, a police sniper shot the suspect, wounding him.
At this time, the condition of the man is unknown, but a bomb robot was called in to examine the man for any explosive device and reporters on the ground say the suspect was alive and moving.
Suspect at @FOXBaltimore reportedly shot by @BaltimorePolice —they're unable to send in medical assistance, bc suspect "still poses threat"
Can confirm that suspect is moving. Just saw him remove what was on his chest and kicked off a part of his costume. He is staying down.
Animal onesie has been removed from suspect by robot. Suspect is on the ground and still not complying with police.
According to reporters on scene, the man was taken into custody by police after being examined by the robot and members of the bomb squad.
According to police, the suspect is in serious condition but is expected to survive his injuries. Authorities also said that the suspect's alleged suspect device was actually made up of chocolate bars wrapped in foil combined with other objects.
No word on what charges may be pending against the suspect.