text:
Discounts for our younger Members
Government reforms to private health insurance introduced from 1 April 2019 now see younger people eligible for a discount on their private health insurance hospital cover. Legislation previously prevented health insurers from offering discounts to people based on their age.
The Government's decision to allow private health insurers to offer discounts to younger Australians is designed to encourage more young people to take out private health insurance, a move that Queensland Country Health Fund has welcomed.
The provision of discounted products by insurers is voluntary but Queensland Country has taken the opportunity provided by this legislative change to offer the discount to all eligible persons across all of our hospital products. These discounts are referred to as age-based discounts.
What policies is this discount available on?
Under the reforms an insurance policy must not provide an age-based discount unless the policy covers hospital treatment. This means that hospital only or hospital and extras packaged covers are the only products eligible for the discount. It is not available for a stand-alone extras cover. As stated above, all of Queensland Country's Hospital or Hospital and Extras packages provide this discount to younger persons.
How much is the discount?
Insurers are able to offer premium discounts of 2% per year that a person is under 30 years of age when they first purchase insurance on an age-based discount policy to a maximum of 10% for 18-25 year olds. The discount rates are shown below.
Person's age when they become insured under a hospital policy offering the discount Percentage discount that insurer may offer
As a transitional arrangement for our existing policy holders, the entitlement will be based on their age when Queensland County Health first introduces age-based discounts to their product. For example, an existing Member who was 28 on 1 April 2019, and holding an agebased discount policy with us on this day would receive a 4% discount, even if they first purchased their hospital cover with us when they were 26 years old.
The age-based discounts on hospital cover premiums are based on a person's age when they become insured under a policy that offers these discounts (for existing Members their age when Queensland Country first introduces age-based discounts on their policy will be the basis for the applicable discount).
The eligibility to the age-based discount is based on a policy holder's discount assessment date. This date is critical for establishing the discount that applies to a person. This discount assessment date can be established in three ways:
(a) The date the person became insured under an age-based discount policy, or
(b) The date the person was first eligible for an age-based discount if the policy they purchased introduces an agebased discount at a date after the person became insured, or
(c) If a person transfers from a policy to a new policy which is stated to be a retained age-based discount policy*, the person's discount assessment date under the old policy applies
What if I transfer to Queensland Country when I am already eligible for an age-based discount?
If your previous health fund informs us that the policy that you held was an age-based discount policy and you transfer to any of Queensland Country's retained agebased discount policies* within 63 days of terminating your previous cover you will retain the applicable discount percentage applying to your previous cover at the time of transfer.
How long do I retain my discount for?
If as an eligible person^ you stay covered under an age-based discount policy you will retain the discount applicable to your discount assessment date until you turn 41 years of age. This is subject to you remaining on the same policy (and that the Fund continues to provide age-based discounts on this product) or subsequently transferring to another retained age-based discount policy. On turning 41 years of age the discount reduces by 2% per year for each year until you are 45 years of age, when the discount will no longer apply. The table below demonstrates this.
Person's age Phase out
41 Person's base percentage less 2%
45 or older zero
^ In relation to an age-based discount policy, an eligible person is a person to whom a discount applies in accordance with their discount assessment date.
I am still covered under my parents cover; will the discount apply to me?
The age-based discount does not apply to a Dependent child or adult Dependent still covered under their parent/s or guardian/s family policy.
What happens if it is a couple or family policy?
On a couples or family policy the total age-based discount that applies under an age-based discount policy is equal to the sum of the applicable discount to which each eligible person who is insured under the policy is entitled for that period, divided by the number of adults.
e.g. Sally and Jack have a couples age‑based discount policy together. Sally has a 6% age-based discount; Jack has a 10% age-based discount, the applicable discount for the total policy while both adults remain covered would be 6%+10%=16%/2=8%.
Any Lifetime Health Cover loading or alternatively any other discount (e.g. corporate discount) is not taken into consideration when calculating an age-based discount policy premium.
A retained age-based discount policy means an insurance policy that is not only an age-based discount policy but also states that it is a retained age-based discount policy. Persons transferring to a retained age-based discount policy from another age-based discount policy will retain their discount assessment date that applied under the old policy, and consequently the applicable discount percentage applying at the time of transfer. (If a person transfers to a third or subsequent policy they retain their discount assessment date and applicable percentage, as long as each successive policy is stated to be a retained age-based discount.
All Queensland Country Hospital Covers are retained age-based discount policies.


The project of Utility-based MPEG-4 Video Transcoding is part of the work in the joint project "Universal Multimedia Access" with Electronics and Telecommunications Research Institute (ETRI), Korea. The special interest lies in delivering media content through various network channels matching the diversity of devices and user interests. In our work, we employ the FD-CD-combined transcoding scheme and proposed a description of utility function based optimum transcoding operators, named as a utility-based transcoding descriptor. The utility-based transcoding descriptor basically provides the information of a possible set of transcoding operators that meet the bit rate constrained by network or terminal, and when available, the utility ranking of the set of operators. The generation of the description can be done for each video stream stored in a server in advance in the case of on-demand streaming applications. In the streaming of live video, the description could be generated by prediction-based approach in real-time.
Handling packet loss or delay in the mobile and/or Internet environment is usually a challenging problem for multimedia transmission. Using connection-oriented protocol such as TCP may introduce intolerable time delay in re-transmission. Using datagram-oriented protocols such as UDP may cause partial representation in case of packet loss. In this project, we propose a new method of using our self-authentication-and-recovery images (SARI) to do the error detection and concealment in the UDP environment. SARI uses a unique watermarking technique for image feature extraction and embedding. For wireless video, the lost information in a SARI image can be approximately recovered based on the embedded watermark, which includes the content-based authentication information and recovery information. Images or video frames are watermarked in a priori such that no additional mechanism is needed in the networking or the encoding process. Because the recovery is not based on adjacent blocks, the proposed method can recover the corrupted area even though the information loss happen in large areas or high variant areas. Our experiments show the advantages of such technique in both transmission time saving and broad application potentials.
Sports video poses many interesting and challenging problems for video indexing and filtering. It provides rich structures and events that have strong correlation with low-level multimedia features. It provides an interesting domain for testing new frameworks and tools. Certainly it also has a high level of practical value due to the popularity of the content.
Sports videos are highly structured and "compressible" (familiar with the regretful feeling after watching a 4-hour baseball game?) Long sports video programs can be significantly reduced in time to include important events or highlights only. In this project, we are developing high-level structure analysis and content filtering techniques for sports video. Our strategy is to find a systematic methodology to combine effective generic computational approaches with domain knowledge available in specific domains. Three major activities are currently underway.
High-level structuring based on canonical view detection.
Video structure segmentation with statistical modeling.
Real-time personalized sports video filtering and summarization in mobile environments.
Video structure discovery aims at the understanding and construction of spatio-temporal structures of video programs at the syntactic as well as the semantic levels. Such structures enable development of useful tools and interfaces for video access, such as Table of Contents, personalized browsers, and highlight skimming. Examples of our work in this area include joint audio-visual scene segmentation using sychological perceptual models, real-time detection of video shots and special transitional effects, and detection of high-level semantic events (such as dialog and repeating sports events). Among these, Project KIA focuses on the problem of automatic summarization of videos via a fully automatic analysis of audio and video data.
Text recognition in video is very useful for various application scenarios. In this project, we are focusing on caption text detection and recognition in sports video. The aim of this project is to extract structural and semantic information from sports video using optical character recognition techniques. The project attempts to solve the following problems: localization of the caption area, analysis of the layout of the caption area, and recognition of the words and digits. Besides using traditional character recognition and detection techniques for image, we reinforce the recognition performance by using sequence analysis approaches and domain knowledge model. Also we use compressed domain techniques to make the text detection system more efficient. Our system, implemented in software on a regular PC, achieves very high accuracy (92% recognition, 99% detection) with the real-time speed in sports video caption box.
handheld device with very low bit-rate. The system also can be used in video database system, where the indexing keyword can be directly extracted from video stream.
AMOS is a video object segmentation and retrieval system. In this framework, a video object (e.g. person, car) is modeled and tracked as a set of regions with corresponding visual features and spatio-temporal relations. The region-based model also provides an effective base for similarity retrieval of video objects.
AMOS effectively combines user input and automatic region segmentation for defining and tracking video objects at a semantic level. First, the user roughly outlines the contour of an object at the starting frame, which is used to create a video object with underlying homogeneous regions. This process is based on a region segmentation method that involves color and edge features and a region aggregation method that classifies regions into foreground and background. Then, the object and the homogeneous regions are tracked through successive frames. This process uses affine motion models to project regions from frame to frame and a color-based region growing to determine the final projected regions. Users can stop the segmentation at any time to correct the contour of video objects. Extensive experimental results have demonstrated excellent results. Most tracking errors are caused by uncovered regions and can be corrected with a few user inputs.
AMOS also extracts salient regions within video objects that users can interactively create and manipulate. Visual features and spatio-temporal relations are computed for video objects and salient regions and stored in a database for similarity matching. The features include motion trajectory, dominant color, texture, shape, and time descriptors. Currently three types of relations among the regions of a video object are supported: orientation spatial (angle between two regions), topological spatial (contains, does not contain, or inside), and directional temporal (start before, at the same time, or after). Users can enter textual annotations for the objects. AMOS accepts queries in the form of sketches or examples and returns similar video objects based on different features and relations. The query process of finding candidate video objects for a query uses a filtering together with a joining scheme. The first step is to find a list candidate regions from the database for each query region based on the visual features. Then, the region lists are joined to obtain candidate objects and their total distance to the query is computed by matching the spatio-temporal relations.
Automatic arbitray-shape video object segmentation and tracking.
A rich visual feature library including color, texture, shape, and motion.
Multi-object spatio-temporal video query (absolute and relative locations).
VideoQ currently supports a large database of digital videos. Individual videos are automatically segmented into separate shots. Currently, over 2000 shots are stored. Each shot is compressed and stored in three layers to meet different bandwidth requirements.
In addition to query by sketch, the user can browse the video shots or search video by text. The video shots are cataloged into a subject taxonomy, which the user can easily navigate. Each video shot has also been manually annotated so the user can perform simple text search of keywords.
Echocardiogram video is a standard technique used in cardiology for diagnosis. An echocardiogram study includes the use of multimedia data, such as video of the heart, images of the blood flows, EKG graphs, and heart sounds. Our goal is to develop multimedia analysis/indexing tools to enable doctors, residents, and students to exploit such medical multimedia resources for educational and clinical purposes.
Our multi-phase goals include the following.
Segment and recognize videos into constituent views for efficient browsing. This requires robust view segmentation based on visual features and high-level probabilistic transitional models.
Extract the best representative image for each view of video. We will use detection of visual features and analysis of corresponding EKG animated images with associated domain knowledge for this task.
Summarize and contrast multiple echo videos of the same patient or different patients with similar abnormalities. For this we will explore view classification and integration with textual information available in the patient records and diagnosis reports. Heart beat sounds will be included to enhance the multimedia presentation of such summaries.
We have developed a unique system for image authentication and recovery. We explored unique invariant properties in lossy compression such as JPEG, Motion JPEG, and MPEG. Content-based invisible watermarks are designed based on the invariant properties of such lossy compression and embedded into reconstructable coefficients. We proved such watermarks can be used to distinguish acceptable manipulations on digital images and malicious attacks (such as cropping and replacement). Applications include medical, insurance, law enforcement, and news, in which some manipulations are required while malicious manipulations must be rejected.
The IMKA project is developing a multimedia knowledge representation framework, MediaNet, and methods for constructing and using multimedia knowledge to improve systems for retrieval, navigation and synthesis of multimedia. The IMKA approach is based on integrating both symbolic and perceptual representations of knowledge. The word IMKA stands for Intelligent Multimedia Knowledge Application.
The MPEG-7 Project at Columbia University focusses on the development of description schemes for image, video, multimedia, and collection content to the MPEG-7 Standard.
We develop a novel interactive system for learning visual object filters, in which models are defined by a user according to his interests via a multiple-level object definition hierarchy. The system facilitates cooperation between user and system, in which the computer performs automatic image region segmentation while the user manually labels and maps segmented regions to various nodes in the object definition hierarchy. As the user provides examples from images or video, Visual Object Detectors are constructed automatically using a variety of machine learning techniques.
The detectors are then used in a multiple-stage process that incorporates non-visual information for automatic filtering or by agents. We introduce the concept of Recurrent Visual Semantics and show how it can be exploited in our framework. Our approach is applied in the context of baseball videos and the Kosovo crisis for filtering. Visual detectors have also been tested in detecting handshake images from news sources.
A new conceptual framework for classifying visual information (image, video, etc.) attributes. The framework, which draws on research from severl fields related to image/video indexing (Cognitive Psychology, Information Sciences, Content-Based Retrieval, etc.) classifies visual attributes (and relationships) into 10 levels, distinguishing between Syntax (form) and Semantics (meaning).
We are studying the way people move their eyes as they observe images of different visual categories (e.g., images with handshakes, crowds, landscapes, crowds, etc.). Although extensive research to study eye movements has been performed, this is the first study that considers differences accross image categories. This information is useful for understanding the human visual process, and for building automatic classification systems.
An interactive framework for organizing personal digital image collections. We introduce the detection of bracketing (two or more photographs of the same subject, made using different aperture/speed settings), and a novel clustering algorithm (based on Ward's algorithm) to exploit image sequence information in each roll of film. Images within a roll of film (and accross rolls) are clustered hierarchically and presented to the user, who modifies the clusters to organize his collection.
Human activities in videos provides direct information about the video content. Summaries of people appearance in the spatial and temporal dimensions can help users to quickly understand the interaction among people. Example questions answered are who are in the video, in what order, who has face-to-face discussion with whom. We are developing algorithms and systems for real-time detection, accurate tracking, and effective summarization of human faces in the video compressed domain. The real-time detection component uses the MPEG compressed data to detect face objects and refine the results by tracking the movement of faces. Various motion models in Kalman filters have been studied for tracking. In specific domains (e.g., interview videos), high-level transition models are also explored to model the probabilistic transition patterns among speakers. The same detection-tracking-transition paradigm can be applied to other domains (e.g., sports, presentation) for understanding the high-level content of videos.
We are investigating innovative techniques using integrated multimedia features for automatic image classification. This is a collaborative project with the Natural Language Processing group at Columbia. On the image side, we are developing a new approach, called OF*IIF (Object Frequency * Inverse Image Frequency), to automatically extract the discriminative objects and their distribution from single images or classes of images. The OF*IIF feature vector has been proved to be effective compared to other state-of-the-art image classifiers. It achieves significant performance gain when combined with the popular text-based approach, TF*IIF.
We are currently developing tan integration framework using Bayesian Networks for combining text-based and visual-based feature vectors for classifying images to different categories such as indoor/outdoor, people, handshake, etc. The demo shows automatic classification using combined text-visual features.
WebClip is a prototype for editing/browsing compressed video over the World Wide Web. It uses a general system architecture to store, retrieve, and edit MPEG-1 or MPEG-2 compressed video over the network. WebClip is a Web application built on the Compressed Video Editing, Parsing, and Search (CVEPS) technology developed at Columbia University.
The unique features of WebClip include compressed- domain video editing, content-based video retrieval, multi-resolution access, and a distributed network architecture. The compressed-domain approach has great synergy with the network editing environment, in which compressed video sources are retrieved and edited to produce new compressed video content.
WebClip includes several major components. The video content aggregator collects video sources online from distributed sites. The video content analyzer includes programs for automatic extraction of visual features from MPEG videos in the compressed domain. Video features and extracted icon streams are stored online in the server database. The editing engine and the search engine include programs for rendering special effects and processing visual queries issued by users.
WebSEEk is a content-based image and video catalog and search tool for the World Wide Web. WebSEEK collects the images and videos using several autonomous Web agents which automatically analyze, index, and assign the images and videos to subject classes. The system is novel in that it utilizes text and visual information synergistically to provide for cataloging and searching for the images and videos. The complete system possesses several powerful functionalities, namely, searching using image content-based techniques, query modification using content-based relevance feedback, automated collection of visual information, compact presentation of images and videos for displaying query results, image and video subject search and navigation, text-based searching, and search results lists manipulations such as intersection, subtraction and concatenation. At present, the system has catalogued over 650,000 images and 10,000 videos from the Web.
New algorithms are being developed for automatic categorization of new unconstrained images/video to semantic-level subject classes in the image taxonomy. A working image taxonomy has been constructed in a semi-automatic way in the current prototype of WebSEEk. The categorization algorithms explore optimal integration of visual features (such as color, texture, spatial layout) and text features (such as associated html tags, captions, and articles).
SaFe is a general system for spatial and feature image search. It provides a framework for searching for and comparing images by the spatial arrangement of regions or objects. In a SaFe query, objects or regions are assigned by the user. These are given properties of spatial location, size and visual features, such as color. The SaFe system finds the images that best match the query. SaFe uses fully automatic tools for region/feature extraction and indexing. SaFe also resolves spatial relationships, which allows the user to position objects relative to each other in a query.
Example queries include "find images including a blue region on top and a wide green open region in the bottom (looking for images with blue sky and open grass field)," and "use this spatial pattern of red, white, blue colors to find images containing American Flags."
Search engines are very powerful resources for finding information on the rapidly expanding World Wide Web. Finding the desired search engines and learning how to use them, however, can be very time consuming. The integration of such search tools enables the users to access information across the world in a transparent and efficient manner. These systems are called meta-search engines. The recent emergence of visual information search engines on the web is leading to the same efficiency problem. We have developed MetaSEEk, a content-based meta-search engine used for finding images on the Web based on their visual information. MetaSEEk is designed to intelligently select and interface with multiple on-line image search engines by ranking their performance for different classes of user queries. User feedback is also integrated in the ranking refinement. Comparison of MetaSEEk with a base line version of meta-search engine (which does not use the past performance of the different search engines in recommending target search engines for future queries) shows promising results in improving the efficiency of user queries.
Last updated: December 9, 2001.


But Sharpton has thrived this year with his high-decibel microphone-to-megaphone activism, even in the face of a federal investigation of his 2004 campaign finances. In an interview punctuated by interruptions from his cellphone, he scoffed at the notion that he is being overshadowed or is any less relevant.
The Reverend Sharpton argues that he is still relevant. Then Mrs. Clinton argues that she has relevant experience at something besides baking cookies. Better than argument, we need evidence.
Let us look at what Richburg presents as evidence of the Reverend Sharpton's relevance.
Sharpton is still organizing protests. That and three dollars and fifty cents will get the good Reverend a cup of coffee at Starbucks.
ISharpt0n got Don Imus fired. So after a brief vacation, Imus is back on the air, and dwarfs Sharpton in the ratings.
Sharpton protested the treatment of the Jena Six. They are still in jail.
Politicians still seek Sharpton's endorsement. Any politician actually accepting any endorsement from Sharpton should be made to explain what role, if any, Sharpton will have in their administration.
Sharpton gets media attention because editors have not forced their lazy reporters to update their Rolodexs.
Hat Tips: article, Memeorandum; photo, Michelle Malkin.
"Activist's Busy Calendar and Ringing Phone Speak to His Role in Civil Rights" which would have been more correct if it read "… His Role in Self-Promotion." The article is a highly selective view of Sharpton's career until now.
It is time for Sharpton to leave the public stage.
Tags: BitsBlog, BitsBlog, Campaign, Che, civil rights, Clinton, fight, Men, Michelle Malkin, Mrs. Clinton, MSM, new york, NY, Obama, POW, protests, Race relations, Radio and TV, rich, Social Issues, UN, WHAT biased press?


Glen Junction Family Restaurant is a good stop to take in a hearty breakfast in between winter activities in the North Conway or Jackson New Hampshire areas.
My boyfriend and I had a reservation for a sleigh ride at Nestlenook Farms in Jackson and had an extra 2 hours to spare. We found this restaurant on the GPS and decided to try it out.
The waitress was just alright. She seemed really busy (the restaurant was packed) and I think she was juggling too many tables at once. This meant we didn't receive as much personalized service as we would have had it not been busy.
I didn't like the cramped dining area - I felt like we were sitting right on top of the next table. I hate those restaurants where you feel like you can't talk because everyone can hear your conversation. On a positive note, the train that goes around the tracks near the ceiling is cute.
Glen Junction Family Restaurant is a good stop if you are in the area and need a quick meal to pass up some times. If you like trains, you will love the atmosphere inside.


Responsible for developing programming and generating resources to support the following science, technology, engineering, arts, and math goals.
Responsible for the planning and implementation of the Martin County Teacher of the Year program.
Notifies winners via letter, awards luncheon, scholarship nights, etc.
Committee members serve in a volunteer capacity and agree to act as a liaison between the Education Foundation and their home school site. This committee meets approximately four times per year.
If you are interested in joining one of the above committees and enhancing the quality of education for Martin County's students, please contact Lisa Rhodes at LRhodes@EducationFoundationMC.org.


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How much should I renovate my NYC apartment before putting it on the market?
Sarah_Ackerman/Flickr
By Nathan Tempey
It's one of the first questions to think about when you're considering whether to put your apartment up for sale: how much work should you put into it, if any? Will a glossy gut renovation jack up the price a few hundred thousand dollars? Will a coat of paint and some floor polish accomplish about the same? Should you make the apartment look generic for maximum marketability? Or should you indulge your passion for glass-tile walls? What about just putting the place up for sale, cracked tiles and all?
We spoke to some New York real estate professionals who deal with these quandaries every day. The prescription varies dramatically depending on the specific property and the owner's personal situation, but they were able to provide some rules of thumb.
The emotional and the financial calculus
"You could bifurcate this into the emotional toll and the financial burden of the renovation," says Asher Lipman, who advises New York City homeowners, buyers, and real estate agents on renovation issues under the name nycRenovationCoach. "If there's emotional or personal issues—you're old or you're retiring or someone died—whatever the personal reasons may be, you may not want to renovate, even if you recognize you might be leaving money on the table."
He continues, "Then there's the financial burden of renovating, assuming people are willing to undertake that. Clients often ask me, 'Should I renovate should I sell it? How far should I go in the renovation?' The first thing that I look at is the marketability of the unit and the expectations."
NYC Renovation Calculator
About Bolster's NYC Renovation Calculator: Bolster's Renovation Calculator enables you to easily calculate the estimated cost of a major New York City renovation. All you'll need to know is 1) the scope, complexity, and type of your project, 2) the quality of your desired finishes, and 3) the area being renovated. [Hint: Bookmark this page for easy reference!]
About Bolster: Bolster is a New York City design-build firm that delivers a seamless, radically transparent renovation experience--beginning with a line-by-line cost estimate that empowers you to plan your scope, budget, and schedule.
Quality Of Finishes
StandardMidHighUpscale
Standard: The quality of the finish is acceptable with attention to detail but reliant on big-box store sourced cabinetry, MDF etc.
Mid Range: The quality of the finish is good (grade A) with attention to detail but reliant on big-box store sourced cabinetry, MDF etc.
High Range: The quality of finish is high (grade AA) and customized with fine finishes and materials being used that can last years, if not a lifetime.
Upscale: The quality of finish is the highest possible (grade AAA) and labor-intensive, with every surface bespoke, new, and beautifully finished.
Complexity Of Project
Low: Simple design, no layout or structural changes, elevator in building.
Medium: Average design, moving of some systems and/or structural changes, no elevator in the building.
High: Complex design, complicated engineering, lots of logistics (e.g. boom lifts, suspended scaffolds, etc.), dangerous working conditions.
Scope Of Project
Small: Changes to surfaces only (e.g. painting, tiling).
Medium: Small + Changes to the finishes themselves (e.g. removing plaster, replacing flooring etc).
Large: Small + Medium + Changes to the building's infrastructure (e.g. replacing all systems, walls, floor joists etc).
Design & BuildBuild & Some DesignBuild Only
Design & Build: Full architectural services including schematic design, design development, construction drawings and approvals from the DoB and full build services.
Build with some Design: Full build services and some design with minimum compliance.
Build Only: Full build services with no design input (performed by another architect or not required at all).
Area Being Renovated Sq. Feet
Total Per SF
Project Cost
Architect Fees
Contractor Overhead
Contractor Profit
Start Your Project With Bolster
For example, he says, a young couple looking at a place might want to do a full-blown renovation upon moving in or at some point early in their time in the apartment. On the other hand, a condo board with stringent rules could make renovation a nightmare, so a pre-sale sprucing-up could put the price at a premium.
Go generic?
To appeal to the broadest possible buying audience, Larry Friedman of the firm SDF Capital, which flips houses in Westchester County and Connecticut, recommends, "You need a lot of grays, whites, very neutral colors, and neutral upgrades, because you really want to attract the largest group of people to your home. In my opinion, doing a very nice ornate backsplash in granite may appeal to only 10 percent of the buying population. I'd recommend to stay broad and have very neutral upgrades." (Prior to his current job, Friedman worked as a broker in Manhattan)
Robin Shapiro of the brokerage Robin Shapiro Realty, who works primarily in the Rockaways, has similar advice. "Go for a generic look. Don't say, 'I only want white appliances. Do what the public wants. Everybody loves stainless steel appliances. Everybody loves white kitchens right now. Those are very popular."
She continues, "It's very hard to know what the public likes. I never suggest going crazy."
Pro Tip:
Unsure how much time and money you should invest in updating your place before you sell--or want to test the waters "as is" before publicly listing it? Consider discreetly "pre-marketing" your co-op, condo or brownstone. The pre-marketing platform at New York City brokerage Triplemint is a no-risk way to quietly test your asking price and marketing strategy among actual buyers shopping for a place like yours. There's no charge to participate and no obligation to sell or enter a traditional listing agreement if you haven't found a buyer by the end of the pre-marketing period. To learn more, click here. >>
Or go for that standout detail?
Lipman, who works with a lot of condos and co-ops in Manhattan, differs somewhat on this issue. He agrees that owners' more out-there modifications could make an apartment harder to sell, but says that he'd avoid some of the most well-trodden paths in design.
"If somebody pays for a renovated apartment, they might say, 'I don't like it. Why did they do the Silestone countertops and the white kitchen? I want to redo it,'" he says. "Or it actually turns off some buyers. They might say, 'If I'm going to change it anyway, why would I pay for a full renovation?' It's a double-edged sword when you renovate to a generic standard... I caution against a generic renovation for those precise reasons. It looks generic."
Instead he suggests, "stuff that is not completely out of the box, but does show some personalization and thought to details that people that are renovating to flip perhaps don't consider, nor feel like they're going to get value-add."
For example, he likes toe-kick drawers, added into the few inches between the bottoms of cabinets and the floor.
All of the seller's decisions, he says, should depend on "who you're marketing to and what are your market expectations."
Renovations may or may not increase the sale price, but can certainly move an apartment faster
Each of the three cautioned against renovations for the sake of renovations, and particularly said not to expect that the cost put into fixing up a place will be directly reflected in an increase in the sale price. For an idea of what a renovation might do to the price, Friedman suggests looking at comparable listings in the area, and comparing the price histories (available on sites like StreetEasy) for those previously sold as-is, versus those sold with recent renovations.
"A lot of times it may not effect the market price, but it will make the place sell faster," he says.
In co-ops and condos, he says that kitchens, bathrooms, and floors matter most to buyers, and if they're worn, damaged, or dated, it's worth considering fixing them.
To gut-renovate or not to gut-renovate
A gleaming new renovation, our experts say, can justify a premium, whereas a place in obvious need of a gut renovation should be discounted. Single-family houses that have habitability or structural issues like a hole in the roof, a broken boiler, or a cracked foundation can be sold to investors for all cash, but regular buyers won't be able to get a mortgage unless the issues are addressed, Shapiro says.
When trying to figure out whether to raise or lower the price based on the status of the renovations, everything else is in a gray area, and you should make your decision in consultation with a professional (broker, renovation coach, shrink, life coach, rabbi—the possibilities are endless).
Finding the live-sell balance
When thinking about renovations, "You want to make smart investments for the future, but there's also habitability factor," Lipman says. "Maybe you have a lot of kids, you cook a lot of smelly fish—you may not want an open plan. I caution people to not follow the latest trend but look at it and consider if it fits in with their lifestyle. If you live in a co-op on Fifth Avenue, you would have trouble selling an open plan. You'd have to discount it. On the flip-side, if you have a loft in Tribeca and you chop it up into six bedrooms, you're not going to get" back what you put in.
Shapiro says she finds older sellers to be the most insistent that they should get a high price for a long-ago renovation. To try to get them to see through the fog of decades past when that pink bathroom was au courant, and to stop imagining it as part of a rainbow ending in a pot of gold, she puts it to them in the simplest possible terms:
"I say, 'I'm not buying your house. Would you buy your house in this condition today?'"
Should I sell my two-bedroom before or after I buy a bigger place?
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NYC Renovation Questions: Galley kitchens necessary and not so evil, especially if you get creative
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Zero waste living: A practical guide for convenience-addicted New Yorkers
A Greenpoint two bedroom, two bath, with a tricky Manhattan commute, for $3,000
Would you rent this Windsor Terrace apartment with a private garden that's not a true one bedroom?
Average rent jumped 8.4 percent in Queens, topping the nation's largest cities

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: separate variables from a string and create new array input = "
My name is ${name}, my age is ${age}.My profession is ${job}
"

Output should be as follows
[name, age, job]

in the above string, I want to separate name, age, job into an array.

A: You can use a regex to match the strings inside ${} and iterate over the matches, pushing them to an array:

let input = "
My name is ${name}, my age is ${age}.My profession is ${job}
";

let regex = /\$\{([^}]+)\}/g
let matches = []
while (m = regex.exec(input)) {
  matches.push(m[1]);
}
console.log(matches);

redpajama_set_name: RedPajamaStackExchange


Defeat MSA Leads Kickstarter for New Documentary About MSA!
Defeat MSA is pleased to announce the beginning of the Kickstarter campaign to support "1,000 Dias" (1,000 Days), the first full length feature film about a professional athlete confronting Multiple System Atrophy (MSA), a little known and incurable disease.
1,000 Dias (1,000 Days) is a documentary about Susana Schnarndorf, a 48 year old Brazilian triathlete and 6 time Ironman winner, living with MSA who continues to battle this rare and rapidly degenerative disease, while training for the 2016 Paralympics.
In 2015, the film's directors Giovanna Giovanini and Rodrigo Boecker, from ClubSoda Films were recognized by the Tribeca Film Institute, as one of 10 recipients of the Latin American Fund presented by Bloomberg. Giovanna has worked in broadcast and cable TV production and her husband, Rodrigo is a sound designer and recordist. Rodrigo has also worked as a music producer. "1,000 Days" is their first documentary feature.
MSA is a rare, rapidly progressing neurodegenerative disorder. It impairs the systems that regulate blood pressure, heart rate and the bladder – many of the basic functions that people take for granted every day. Patients with advanced MSA often become bedridden, unable to speak and completely paralyzed. At present, there is no cure, no genetic tests and very few treatments. Patients are confronted with a dim prognosis and left with few options. The mission of Defeat MSA is to support patients and their caregivers, to help fund research into promising therapies, to inform the public and to raise awareness about living with Multiple System Atrophy. It is befitting to announce the beginning of this Kickstarter campaign on August 4, the third anniversary of Defeat MSA's founding date.
THANK YOU – WE HAVE SUCCESSFULLY FUNDED THIS FILM!
With 120 backers, we raised over $18,000 dollars! Updates on the release of the film will be posted soon! Check back with us!!


Pretty soon temperatures will fall and the long cold season will be upon us. By the end of the week its forecasted to be a brisk 33 degrees (burrrrrr)! They've already turned on the heat in all the residential buildings. Luckily for me in House 104 we've got a working fireplace. It's just a simple gas unit but it's cozy and a great hangout spot for doing computer work with other people in the building. I look forward to the days where we'll be huddled around it cramming for exams.
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text:
/* $Id$ */

package com.zoho.books.api;

import com.zoho.books.util.ZohoHTTPClient;

import com.zoho.books.parser.SettingsParser;

import com.zoho.books.model.Item;
import com.zoho.books.model.ItemList;

import java.util.HashMap;

/**

* ItemsApi is used to create a new item for the organization.

* It is used to get:

	The list of items from the organization.

	The details of an item.

* It is used to update the details of a particular item.

* It is used to change the status:

	Mark an inactive item as active.

	Mark an active item as inactive.

* It is used to delete a particular item from the list of items.

*/

public class ItemsApi extends API
{
	private static String url = baseURL+"/items"; //No I18N

	/**

	* Construct a new ItemsApi using user's authtoken and organizationid.

	* @param authToken user's authToken.

	* @param organizationId user's organization id.

	*/

	public ItemsApi(String authToken, String organizationId)
	{

		super(authToken, organizationId);

	}

	private SettingsParser settingsParser = new SettingsParser();

	/**

	* Get the list of all active items with pagination.

	* Pass the filters in the form of key-value pair to get all the items from an organization based on the filter.

	* It returns the ItemList object.

	* The queryMap contains the possible keys and values as mentioned below:

name	Search items by name.

Variants: name_startswith and name_contains

description	Search items by description.

Variants: description_startswith and description_contains

rate	Search items by rate.

Variants: rate_less_than, rate_less_equals, rate_greater_than and rate_greater_equals

tax_id	Search items by tax id.

search_text	Search items by name or description.

filter_by	Filter items by status.

Allowed Values: Status.All, Status.Active and Status.Inactive

sort_column	Sort items.

Allowed Values: name, rate and tax_name

	* @param queryMap It contains the query string parameters in the form of key-value pair.

	* @return Returns the ItemList object.

	*/

	public ItemList getItems(HashMap<String, Object> queryMap)throws Exception
	{

		String response = ZohoHTTPClient.get(url, getQueryMap(queryMap));

		ItemList itemList = settingsParser.getItems(response);

		return itemList;
	}

	/**

	* Get the details of an item.

	* Pass the itemId to get the details of a particular item.

	* It returns the Item object.

	* @param itemId ID of an item.

	* @return Returns an Item object.

	*/

	public Item get(String itemId)throws Exception
	{

		String urlString = url+"/"+itemId;

		String response = ZohoHTTPClient.get(urlString, getQueryMap());

		Item item = settingsParser.getItem(response);

		return item;
	}

	/**

	* Create a new item.

	* Pass the Item object to create a new item for the organization.

	* The Item object which contains name and rate are mandatory parameters.

	* It returns the Item object.

	* @param item Item object.

	* @return Returns the Item object.

	*/

	public Item create(Item item)throws Exception
	{

		HashMap<String, Object>	requestBody = getQueryMap();

		requestBody.put("JSONString", item.toJSON().toString());

		String response = ZohoHTTPClient.post(url, requestBody);

		return settingsParser.getItem(response);
	}

	/**

	* Update the details of an item.

	* Pass the Item object to update the details of a particular item.

	* The Item object must contain the itemId for which item has to be updated.

	* It returns the Item object.

	* @param item Item object.

	* @return Returns the Item object.

	*/

	public Item update(Item item)throws Exception
	{

		String urlString = url+"/"+item.getItemId();

		HashMap<String, Object>	requestBody = getQueryMap();

		requestBody.put("JSONString", item.toJSON().toString());

		String response = ZohoHTTPClient.put(urlString, requestBody);

		return settingsParser.getItem(response);
	}

	/**

	* Delete the item created. Items that are part of transaction cannot be deleted.

	* Pass the itemId to delete the particular item from the organization.

	* If the item has been deleted it returns the success message.

	* The success message is "The item has been deleted."

	* @param itemId ID of an item.

	* @return Returns a String.

	*/

	public String delete(String itemId)throws Exception
	{

		String urlString = url+"/"+itemId;

		String response = ZohoHTTPClient.delete(urlString, getQueryMap());

		String success = settingsParser.getMessage(response);

		return success;
	}

	/**

	* Mark an inactive item as active.

	* Pass the itemId to change the status of an item to 'active'.

	* If the item status has been changed it returns the success message.

	* The successs message is "The item has been marked as active."

	* @param itemId ID of an item.

	* @return Returns a String.

	*/

	public String markItemAsActive(String itemId)throws Exception
	{

		String urlString = url+"/"+itemId+"/active"; //No I18N

		String response = ZohoHTTPClient.post(urlString, getQueryMap());

		String success = settingsParser.getMessage(response);

		return success;
	}

	/**

	* Mark an active item as inactive.

	* Pass the itemId to change the status of an item to 'inactive'.

	* If the item status has been changed it returns the success message.

	* The success message is "The item has been marked as inactive."

	* @param itemId ID of an item.

	* @return Returns a String.

	*/

	public String markItemAsInactive(String itemId)throws Exception
	{

		String urlString = url+"/"+itemId+"/inactive"; //No I18N

		String response = ZohoHTTPClient.post(urlString, getQueryMap());

		String success = settingsParser.getMessage(response);

		return success;
	}
}

redpajama_set_name: RedPajamaGithub


text:
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text:
The slow death of Canada's banking ombudsman
Home Insight Letters to the Editor The slow death of Canada's banking ombudsman
The independent dispute resolution service has been abandoned by most of the big Canadian banks
By: Ermanno Pascutto
elovkoff/123RF
For several years, the federal government has failed Canadian retail consumers and small business in providing access to justice in banking, including for seniors, who have comprised 38% of ombudsman banking complaints.
The Ombudsman to Banking Services and Investments (OBSI) was created more than two decades ago by Canada's largest banks as a national, independent and not-for-profit organization to resolve consumer disputes, in order to get ahead of the federal government before it went ahead with enacting a statutory ombudsman. OBSI was created initially for the resolution of banking complaints and its mandate was expanded to include investments.
OBSI, the only independent referee and dispute resolution service for consumer and small business complaints with banks, has slowly been abandoned by most of the big Canadian banks. Consumers are forced to hope that they will be dealt with fairly and impartially by a for-profit dispute resolution service provider paid for by the banks. The Montreal Canadiens would never be happy about the Toronto Maple Leafs choosing and paying the ref for any game, but this is effectively what the banks are doing to consumers, except that banking consumers are worse off than hockey players. They are amateurs with no home game, always playing in the bank's arena, against the bank's staff, and in front of the bank's referee.
Since OBSI's inception, something went wrong and the largest Canadian banks abandoned OBSI, replacing it with their own for-profit dispute resolution service, hired and paid for by each bank. OBSI's relevance has been dying at the hands of most of the same big banks that first established OBSI two decades ago. The federal government sees this happening, and hasn't done anything about it. To the credit of the securities regulators, the Canadian Securities Administrators, led by the Ontario Securities Commission, refused to permit the same thing to happen in investments: the regulator prevented banks, insurance companies and other dealers from abandoning OBSI for dispute resolution in investments.
It certainly was not that OBSI was awarding too much compensation to consumers that caused the big bank mass exodus. The banks have never paid $1 million in aggregate for an entire calendar year, which is less than a "rounding error" or one month's compensation of a big bank CEO. So the only logical inference to be drawn is that OBSI was a little too independent for the big banks' liking. Some of its "too independent" behaviour may have included such OBSI practices as investigating problems discovered in complaint accounts that the customer didn't themselves identify. Financial services industry members did not like this practice, but OBSI has said it is consistent with the practices of other financial services ombudsmen around the world.
An external bank ombudsman's role is to investigate unresolved consumer complaints independently and recommend appropriate settlements. Banking complaints from retail consumers and small business (everyday Canadians) that require dispute resolution include excessive fees for prepayment of mortgages, fraud and missing and stolen funds. Investment-side complaints include high-risk investments that the consumer didn't understand, unexpected fees, predatory practices, unsuitable investments that consumers can't sell in times of crisis, fraud and problems with joint accounts and powers of attorney.
Seniors are particularly vulnerable, because of challenges such as physical or cognitive impairments, insufficient time horizon to replenish capital losses or death of partners who traditionally managed the finances. More than 38% of OBSI banking complainants are over age 65, and many are low income. They often need extra assistance and focused attention, which is more likely to be available from an independent non-profit ombudsman than a dispute resolution service provider that is focused on its bottom line.
Canadians, including the especially vulnerable seniors who need extra support and protection, need a statutory ombudsman that is independent from the banks. They need a statutory ombudsman to recommend solutions in cases that are big enough to warrant concern, but too small to be dealt with through the courts or too expensive to be dealt with through the courts for the average Canadian.
Increasingly irrelevant in banking, OBSI should recognize its inevitable and slow death at the hands of the big banks, announce that it will cease to act for any bank at a chosen date in the near future and inform Canadians that the big banks have killed the only independent ombudsman for consumer banking complaints.
The federal government should explain to Canadians why it has failed to create a statutory banking ombudsman with binding authority to protect bank customers and instead has allowed the banks to set up OBSI and then failed to protect OBSI when the banks turned against it. The federal government should inform the public whether any explanation exists besides the unwillingness of any Minister of Finance, in the last decade, to stand up to the banks.
Canada's banking system is among the best in the world and Canadians have a high degree of confidence in the sector. What drives that confidence is consumers' trust in government policies to protect our banks, ensuring the stability of the sector, and ensuring fair treatment of consumers. The current ombudsman problem is bad for consumers and bad for consumer confidence in banks.
It's time for the federal government to publicly commit on a timely basis to a statutory banking ombudsman, not just to protect Canadians – especially seniors and other vulnerable Canadians – but to safeguard public confidence in one of our most important industries and to ensure that the confidence is justified.
Ermanno Pascutto is founder and executive director of FAIR Canada
Ombudsman for Banking Services and Investments
Latest news In Letters to the Editor
Cases are up at OBSI, but client compensation is down
Both the number and average size of successful complaints about investment firms dropped in 2020
Letter: Time for a national voice for Main Street investors
An investor advisory council would allow retail investors to speak on their own behalf and promote active dialogue between regulators and investors, writes Ken Kivenko
By: Ken Kivenko
Letter: Industry has made significant progress on strategic issues throughout pandemic
Rebounding equities markets and continued demand for wealth services were major factors in strong industry performance, writes Ian Russell
By: Ian Russell
Letter: Investment industry well-positioned for the post-Covid recovery
Strong performance in 2020 bodes well for the year ahead, writes Ian Russell


2 How to use WhatsApp Sniffer?
You probably are an active user of WhatsApp and have something fishy in your mind and that is the reason you are here.
Wondering why your boyfriend (girlfriend) is no more into you or your best friend has found somebody virtual to spend time with or just thinking to play a prank on your little brother (sister) on fool's day?
Your sniffing has now found a sniffer – Whatsapp Sniffer Apk. Going by the name, WhatsApp Sniffer Apk 2017, this application will do the job for you when you just (okay, not just) have to convince your victim to be on the same phase of the network. Just ask him to share the same wireless connection, for a start.
Being a common-hub for a lot of people around the globe, this gigantic platform for people to interact (WhatsApp) has its own set of rigid rules, terms, and conditions and it would be unofficial to put up an app on Play Store(or App Store) against the pandemic. Nevertheless, some eager crooks have come out with an apk called Whatsapp Sniffer Apk and the same could easily be downloaded from unique sites or using the Internet. Is your phone troubling you? It can also be downloaded on your Personal Computers or Laptops using Bluestacks or Nox app Player. But keep that excited nerve in you from stimulating further because this app doesn't serve all of its nefariousness on your plate so easily. You have to do some preparations at the least before the grand dinner, however, the best way is by using Whatsapp Sniffer Apk Xda.
How to use WhatsApp Sniffer?
Getting to the categories of the application, it comes both for free and a paid version is also available.
Step 1: Download WhatsApp Xtract tool or YoWhatsapp Apk which is easily available on the Internet. You just have to get the latest version of the same. It is used to backup WhatsApp application with WhatsApp backup extractor.
Step 2: Here comes the risky part, you need to get transferred all the messages from your victim's phone to your device with the help of file transfer applications(say Bluetooth) and save it to File Manager(or My files or however it is named in your device)> Internal Storage(Device Storage)> WhatsApp.
Step 3: Copy the above file at the location where WhatsApp Xtract tool is downloaded(As in Step 1).
Step4: Download WhatsApp backup extractor.
Run whatsapp_xtract_anroid.bat(or whatsapp_xtract_anroid_crypted.bat) from the above download.
Note: These(i and ii) should be run in the same order as mentioned to get effective results.
Step 5: Now, all the messages transferred of your victim can be read after all the above steps have been followed properly.
If you are going forward with this part, you probably know how to root your device (or you have a rooted one) or you want real-time access to the new messages of your victim through download whatsapp sniffer apk read WhatsApp.
Step 1: Bingo! Prance now and get. Go on and read, listen, laugh or get angry at your victim.
Step 1(A): Read about it. 'Rooting' is like being a developer of the software of your phone when you presently are its users. 'Rooting' might seem an hectic task both for your device and you but once you start chasing the instructions step by step, you will get out victorious with you being the real owner of your device, you should also get ready to steal the show (because rooting your device properly actually makes you look smarter given the added advantages) and your device ready to steal the messages, audios, videos, calls and status updates.
Step 1(B): Get the relevant software. Changing gears on this front, while there are no applications for bypassing the terms and conditions but an app motivating people to do so. Yes, they have many applications on Play Store allowing you to smoothly root your device like iRoot for Pc, Superuser application is the major player in the market in the current scenario. Rooting can also be done by flashing (installing) a custom ROM. In case, you are unaware if your device is rooted or not, download another app and test it. In any case, put some little extra effort and get your acts together for your embezzlement.
Step 2: Download the Whatsapp Sniffer 2017 app on your rooted device which as mentioned earlier can easily be downloaded from the specific sites or Internet.
Step 3: Open the location where your file is saved or react 'Open' to your browser's notification. The package installer window will pop up. Click on Install after keeping in mind that it will gain access to your contacts and call logs. Are you waiting eagerly for that app to get installed just like I did? See, you are done.
Step 4: But it seems like Busybox is its partner in crime. Follow the usual process and advance further. But why Busybox? Because it will furnish your device with the commands required to aid your needs.
Step 5: Connect that sitting duck in front of you and ask him(her) to have a connection (the real one is obviously distorted, a virtual now!). The idea is to connect! On the same phase of a network! Either him(her) to you or both of you on some external network. When you are using wireless network and it is WPA/WPA2 protected, do enable APF spoofing on the application and let the dice roll in your court today.
Step 3: Now, make an unencrypted backup with your iTunes software.
Although you might as well get to read the messages through Whatsapp Sniffer Apk Download Android No Root, get to hear the audios as and when they reach your victim's phone but not their intentions and that is why it is rightly said words and communications have great power and 'The most important thing in communication is hearing what isn't said'.