text:
Brain & Behavior
Free Thought
casaubonsbook
Little Goats in Cities
By sastyk on February 24, 2011.
(Rubeus the cat meets Nigerian Dwarf Baby Meadowsweet last summer)
Tuesday's New York Times has an article on the expansion of miniature dairy goats in urban areas. It is an interesting article, and has some good points - among them it rightly points out that dairy goats are a bigger deal than chickens. That said, however, it is also pretty clear that the reporter is fairly ignorant about goats in general (this is probably not surpring, I'm guessing the Times Goat beat is pretty small ;-)), and I'd hate for people to get all their information about small scale dairy goats from this.
Essentially, if you live in an urban or suburban area and drink milk, there are two ways to get good, non-industrial milk. The first is to find a local farmer who can provide it, and who comes somewhere near you. You will pay an extremely high premium for this, but it is a great option. The other is to take personal responsibility for your milk supply - and one of the reasons our family raises small dairy goats is that we want people who are prepared to deal with the realities of goats to be able to get appropriate animals for suburban and urban goat keeping.
The New York Times is right on that miniature goats will never be as popular as backyard chickens - they need more space, better fencing, more time and attention, and I wouldn't want everyone to have one, despite my occasional jokes to the contrary. But many of the challenges that might intimidate new goat keepers are fairly easy to overcome - and some of them can be solved precisely by there being *more* goats in cities and suburbs - that is, they are the challenges faced by a new thing in a culture that hasn't adapted to them. Just as many urban dwellers now keep dogs larger, louder and producing more unpleasant outputs than my goats, there's a lot of potential for cities to adapt to urban goat keeping and for small scale goat production to adapt well to urban and suburban areas.
...she admits that raising them in her San Francisco backyard has its challenges. The goats mangled her white tiger nectarine tree, gnawed her redwood fence posts, gorged on her grapevines, swallowed her Victorian tea roses like candy and tore off the waterproofing mat under the siding on her house.
She lives a half-mile from Interstate 280 in the Excelsior district of San Francisco, up the street from Taqueria La Iguana Azul and Geneva Pizza, on a block of pastel Marina-style houses that stand shoulder to shoulder. Reluctant to attract stares from her neighbors, she regularly loads the animals into her car and drives them to John McLaren Park, nearly a mile away, to exercise them.
And in September, one of the goats spent several weeks covering Ms. Kooy with bruises and scratches whenever she approached its udder, an experience that she described on her blog as "pure milking hell."
Ms. Kooy, an ebullient 41-year-old general contractor, is undeterred. "I think we need to relax our cultural walls that relegate agriculture to the country, and that includes small livestock," she said on a recent Friday morning, clomping in rubber boots through her 1,000-square-foot yard, where she also tends an organic vegetable garden, six fruit trees and four egg-laying hens. "It's part of re-envisioning food production in the urban landscape. You just have to keep things clean."
The story goes on to describe the hostility of some communities to goats, concern about smell, noise and animal size. Other communities, it should be noted are friendlier - Charlottesville VA, for example, now permits miniature dairy goats in the city limits.
It is important to remember that these are really not objective concerns - in the sense that we actually object to all large animals that make noise and poop - in most cases. That is, most cities permit dogs that are louder than any goat, larger than any goat, and produce smellier, more toxic, more dangerous poop - every criticism you can make of a goat can be applied to a German Shepherd. We have simply adapted as a culture to presume that dogs can be part of the community, and that we can acclimate to them. Much of the process of dealing with something that intuitively seems very alien to us should be about pointing out the similarities.
Neighbor issues are best addressed with education and community organizing. For example,.the neighbors in the article who were worried that two or three goats could have 9 babies could have been reassured that those baby goats are the size of cats (see picture above - not even big cats!) - and would presumably sold before they get bigger than terrier. It is much more like your neighbor's dog having puppies than it is like the sudden influx of 9 large goats. A lot of people have mental images of "goat" that just don't fit the reality. Just as the best tool for backyard chickens is teaching, that's true of any urban livestock. The good news is that the actual goats do their own PR, but you have to do the advance support.
Goats on the other hand have several advantages over German Shepherds - they produce milk, rather than just poop. Their manure is eminently compostable and valuable on the garden. Their parasites (mentioned in the article as a concern for some without context) are almost never a danger to any human who doesn't themselves graze on grass - unlike cat and dog parasites.
They have some disadvantages, rightly mentioned in the article. They eat brush - this makes them valuable in many cities for reducing weeds, dealing with invasive plants and reducing fire risk, but it also can mean they do damage to ornamentals. You do not get goats without getting good fences - period. And since goats are intelligent and friendly, like dogs, they can't be left alone in a tiny area without getting bored quickly. You will want good fencing to protect the goats, also - neighborhood dogs are a huge danger to small urban livestock.
Now cities have made accomodations to dogs - they recognize that dogs need space to run, and establish dog parks and make space for dogs. The same could be usefully done in urban and suburban neighborhoods with goats, using the goats to clear out weedy areas, or letting them graze lightly in urban parks (they don't do instant damage, and in fact, prefer to browse, a little bite here, a little leaf there... rather than taking out a shrub as a whole).
I admit, I've never, ever heard of any adult being injured by ND dairy goat - I don't doubt Kooy's experience, but that's just weird. Our goats are incredibly gentle and easy going, and at about 60lbs, would be challenged to hurt an adult. They don't have horns, and even when they butt against you, it is like being butted by a toddler. That said, it could happen. You will obviously want to watch kids or the elderly around the goats until you know that they are gentle.
Doing your own basic vet care really isn't nearly as unusual as is implied by the article - yes, it is very much worthwhile to have a livestock vet around for the true emergency, but generally speaking, livestock owners who are trying to make their costs minimal will want to master basics like shots, worming, birthing and castration. This can be challenging to urbanites who have relied heavily on their vets to do this with cats and dogs, and you should know this upfront. Your milk will cost a lot more money if you need the vet for every action - and you should be sure a livestock vet is available. If you are prepared to learn the basics of veterinary care, the way rural livestock owners do, that makes it a lot more viable. None of it is hard, but it does take commitment.
Finding hay, grain, a vet and stud service can be significantly harder in an urban or suburban area - the answer to this, of course, is to encourage appropriate urban goat keeping by people who are prepared to do it right. Buck goats are not appropriate to cities - but if you can talk to your goat keeping neighbor around the block, you can help each other find an appropriate stud.
The biggest misconception, i think, is that the milking is really onerous. Take it from someone who milks - it isn't that big a deal, and it has more flexibility for the home goat keeper than it does in an urban environment. Yes, the animals make more milk and prefer to be fed and milked at the same time every day. That said, we haven't noticed any significant difficulty in sometimes shifting things back or forward a couple of hours - we go out. If you have kids, you can leave the kids on their mother part of the time, and milk only once a day - yes, you get less milk, but you have more flexibility. Or you can accustom a doe to being milked once a day, gradually. You can dry them off for longer or shorter periods. Again, this affects milk production, but there is flexibility.
Most of all, the manual milker (we own the Maggidans Milker, but there is also another variety, the EZ milker), essentially a manual breast pump for goats (about $40) means that no milking skill is necessary for the person milking. This opens up the possibility of hired goat care to any responsible teenager - the biggest barrier to leaving your goats is getting goat care, but if you only need someone who can squeeze and feed, you can go on vacation. Trust me, we do.
I'm torn here between the impulse to encourage people to get goats and the impulse to ask them to think hard about it. No one who cares about these beautiful, intelligent, funny animals wants them to be mistreated or bought by people who simply aren't prepared to treat them responsibly. At the same time, my hope is that people in cities with moderate lots and suburban dwellers will recognize that they can get good, safe milk, cheese and other dairy products at a reasonable price, and control what goes into it. That they can have the pleasure of these family animals that blur the line between pet and livestock so beautifully. It is a delicate dance - but in an era where refrigerated shipping may become too costly environmentally, it is a dance we have to think about. If milk is part of your family's diet, and you want to know where it comes from, sometimes the answer can be "right here."
(Bast, one of our best milkers, having her picture taken on my lap)
dairying
nigerian dwarves
Nicely stated! It makes me want to go get a goat. But I am not allowed to own 'usual' farm animals in my town.
Maybe a 5-legged goat would be ok? :)
By ChrisBear (not verified) on 24 Feb 2011 #permalink
Right; it's not "run out and get a goat;" it's "run out and get good at goats (which could include getting a goat)." Same for chickens...
By risa b (not verified) on 24 Feb 2011 #permalink
ChrisBear, I wonder if a mini goat would be "unusual" enough? You could always get a little dog costume...
By Kerrick (not verified) on 24 Feb 2011 #permalink
Thanks for this intelligent reply to the New York Times. We have 10 goats in the country. They are all wethers and their job is brush control. They're very good at it! They're also cute, fun, and entertaining. We're still learning the various aspects of veterinary care. Even here in the country, there aren't many vets that handle goats. Most goat-keepers do their own veterinary care, short of surgery.
Someday we'll tackle milking and get a female. We can't get one now because two of the wethers are actually bucks. One was never castrated (he's a Nigerian Dwarf and it's not that big a problem), and the other is a Nubian mix that was castrated twice by his previous owner, but it didn't take. We were surprised such a thing is possible, too! So we can't get a female as she'd be harrassed endlessly. Goats are social animals so it wouldn't be fair to keep her separate.
By Jeanmarie (not verified) on 24 Feb 2011 #permalink
Your goats are beautiful!
Good point about the EZ milker / equivalent - I hadn't thought of that before as a way to make sure someone else could take over. I have a Dexter dairy cow (not milking just now) and milk by hand, but I share with the calf which means if you aren't there to milk, you let the calf take care of it. It's a great system, like you say.
Had no idea the miniatures were quite so small though - see? You educated even a country person. :) Thanks! I will now go forth and be a goat ambassador.
By Apple Jack Creek (not verified) on 24 Feb 2011 #permalink
In the Netherlands we have some major problems with goats and Q-fever. The CDC even gave recommendations to U.S. travellers about this: http://wwwnc.cdc.gov/travel/content/in-the-news/q-fever-netherlands.aspx
By Martijn ter Haar (not verified) on 25 Feb 2011 #permalink
Hi Sharon-FYI your other blog page is not working!
By Karen from CT (not verified) on 25 Feb 2011 #permalink
Thanks for the clarifications adding your experience to the NYT story.
As someone who teaches newbie humans how to interact with large animals (horses) I have to add one more important point:
Training. Training humans how to train their goats. I can imagine many human errors that could cause a goat to become aggressive or resisting handling.
Often, I see how untrained humans confuse affection for their animals, and a desire to be gentle in handling animals, with an anything-goes permissiveness. I see how people forget self-respect and allow a miriad of intrusive behaviors from their pets or livestock. These behaviors are often small ways, like mugging a human for treats, that humans consider cute. But the animal shows his/her lack of respect for the human in behaving that way.
It goes without saying that I'm in favor of "positive" training methods. But people need to learn the species-appropriate ways to set rules, rewards, consequences and so on. A small and cute animal can still hurt a human. And there's no reason that daily chores need to involve chronic conflicts.
By dreamer (not verified) on 26 Feb 2011 #permalink
Couldn't someone in principle milk a dog? I have never heard of it being done. Since dogs tend to eat higher up the food chain that goats do, it might not be practical for people interested in a lower impact lifestyle.
By daedalus2u (not verified) on 26 Feb 2011 #permalink
@daedalus2u: People have made apparatuses to milk rats (not for human consumption, though), so I'm sure someone has done it for dogs.
By synapse (not verified) on 02 Mar 2011 #permalink
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This breed was developed in the 19th century by Max Von Stephanitz who is considered to be the father of the German Shepherd. Revered for their versatility as companion and for their dedication to work, this breed has the distinction of being the first dog ever used as a guide for the blind. Today the German Shepherd is one of the most popular breeds in the world.


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Most USMC tanks had these affixed to the rear of the turret bustle rack. Also, the US Army started using this style basket as well, many units have now acquired or ordered this style BRE and it can be seen on many Army Abrams in Iraq now. It was not used by the Army's 3ID in OIF 1 though. Gary sent me samples of these to build and see what I think of them.
The parts are cast in crisp, yellow-tan resin with a paper-thin layer of flash on them. This flash is easy to clean up with a sharp Xacto blade and some sanding. The parts are broken down into the bottom frame, rear frame, two side-pieces, and a center hanger. There were a few small air bubbles in my sample on the inner parts of some of the tubing. A few of these caused the part to break while sanding, but were easily fixed with a small amount of superglue. The BRE assembled easily by attaching the rear part to the bottom, then the sides, and finally the center hanger. I had no issues with assembly. The ice chest only needed a little sanding on the bottom and to pop a few resin bubbles off and it was ready for painting as well.
The assembled BRE is in perfect scale with ones I have measured and looks great. The only issue I have is that the water/fuel can holders on the sides should be more rectangular as opposed to having rounded corners. They are not that far off and do look the part though. The ice chest can accent any modern vehicle and is perfectly scaled to the size of any number of commercial ice chests.
I highly recommend these items for anyone wanting to build a USMC M1A1HC or a current US Army Abrams. The BRE looks great and the ice chest can be used on almost any vehicle. Great items.
Available are a 3ID BRE, a bustle rack APU, CIPs, an M113 storage rack, and Bradley storage racks in the works. He sells his products on eBay and is known as "Gulf War Armor."
I highly recommend these items for anyone wanting to build a USMC M1A1HC or a current US Army Abrams.


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Church of Jesus Christ of Latter-day Saints leader calls abuse 'abomination' amid policy scrutiny
FILE - Mormons listen during The Church of Jesus Christ of Latter-day Saints' twice-annual church conference on Oct. 5, 2019, in Salt Lake City. Tens of thousands of members of The Church of Jesus Christ of Latter-day Saints are scheduled to attend the faith's biannual conference this weekend, in which senior leaders will address nearly 17 million believers throughout the world from their headquarters in Utah. (AP Photo/Rick Bowmer, File)
(AP Photo/Rick Bowmer, File)
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The AP's investigation found the hotline the church uses for abuse reporting can be misused by its leaders to divert accusations away from law enforcement and toward church attorneys. The story, based on sealed records and court cases filed in Arizona and West Virginia, uncovered a host of concerns, including how church officials have cited exemptions to mandatory reporting laws, known as clergy-penitent privilege, as a reason to not report abuse.
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redpajama_set_name: RedPajamaCommonCrawl


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Walking Away and Keeping Your House: Strategic Default Strategy
Posted on January 24, 2010 by Neil Garfield
A provocative paper by Brent White, a law professor at the University of Arizona, makes the case that borrowers are actually suffering from a "norm asymmetry." In other words, they think they are obligated to repay their loans even if it is not in their financial interest to do so, while their lenders are free to do whatever maximizes profits. It's as if borrowers are playing in a poker game in which they are the only ones who think bluffing is unethical.
borrowers in nonrecourse states pay extra for the right to default without recourse. In a report prepared for the Department of Housing and Urban Development, Susan Woodward, an economist, estimated that home buyers in such states paid an extra $800 in closing costs for each $100,000 they borrowed. These fees are not made explicit to the borrower, but if they were, more people might be willing to default, figuring that they had paid for the right to do so.
Editor's Note: Here is a strategy straight out of the tax shelter playbook that could result in widespread relief for homeowners underwater. It comes from a high-finance tax shelter expert who shall remain unnamed. He and a group of other people with real money are thinking of establishing a clearinghouse for these transactions.The author of this strategy ranks very high in finance and law but he cautions, as do I, that you should utilize the services of only the most sophisticated property lawyers licensed to do business in appropriate jurisdictions before initiating any action under this delightful reversal of fortune, restoring equity, possession and clearing title to the millions of properties that could fall under the rubric of his plan. He even invites others to compete with his group, starting their own clearing houses (like a dating service) since he obviously could not handle all the volume.
The bottom line is that it leaves you in your home paying low rent on a long-term lease, forces the pretender lender (non-creditor) to file a judicial foreclosure, and throws a monkey wrench into the current foreclosure scheme. I am not endorsing it, just reporting it. This is not legal advice. It is for information and entertainment purposes.
John Smith and Mary Jones each own homes that are underwater. Maybe they live near each other, maybe they don't. To make it simple let's assume they are in the same subdivision in the same model house and each owes $500,000 on a house that is now worth $250,000. Their payments for amortization and interest are currently $3500 per month. The likelihood that their homes will ever be worth more than the principal due on the mortgage is zero.
John and Mary are both up to date on their payments but considering just walking away because they have no stake in the outcome. Rents for comparable homes in their neighborhoods are a fraction of what they are paying monthly now on a mortgage based upon a false appraisal value.
In those states where mortgages are officially or unofficially "non-recourse" they can't be sued for the loss that the bank takes on repossession, sale or foreclosure.
John and Mary find out about each other and enter into the following deal:
First, John and Mary enter into 15 year lease wherein Mary takes possession of John's house and pays $1,000 per month in a net-net lease (Tenant pays all expenses — taxes, insurance, maintenance and utilities). There are some laws around (Federal and State) that state that even if the house is foreclosed, the "Buyer" must honor the terms of the lease. But even in those jurisdictions where the lease itself is subject to being foreclosed, John and Mary agree to RECORD the lease along with an option to purchase the house for $250,000 (fair market value) wherein the seller takes a note for the balance at a 3% interest rate amortized over 30 years.
So now Mary can have possession of the John house under a lease like any tenant. And she has an option to purchase the house for $250,000. And it's all recorded just like the state's recording statutes say you should.
Second, John and Mary enter into a 15 year lease wherein John takes possession of Mary's house and pays $1,000 per month in a net-net lease (Tenant pays all expenses — taxes, insurance, maintenance and utilities). There are some laws around (Federal and State) that state that even if the house is foreclosed, the "Buyer" must honor the terms of the lease. But even in those jurisdictions where the lease itself is subject to being foreclosed, John and Mary agree to RECORD the lease along with an option to purchase the house for $250,000 (fair market value) wherein the seller takes a note for the balance at a 3% interest rate amortized over 30 years.
So now John can have possession of the Mary house under a lease like any tenant. And he has an option to purchase the house for $250,000. And it's all recorded just like the state's recording statutes say you should.
Third, John and Mary enter into a sublease (expressly permitted under the terms of the original lease) where in John (or his wife or other relative) sublet the John house from Mary for $1100 per month.
So John now has rights to possession of the John house under a sublease. In other words, he doesn't move.
Fourth John and Mary enter into a sublease (expressly permitted under the terms of the original lease) where in Mary (or her husband or other relative) sublet the Mary house from John for$1100 per month.
So Mary now has rights to possession of the Mary house under a sublease. In other words, she doesn't move.
Fifth, under terms expressly allowed in the lease and sublease, John and Mary SWAP options to purchase and record that instrument as well as an assignment.
So now John has an option to purchase the home he started with for $250,000 and Mary has an option to purchase the home she started with for $250,000 and both of them are now tenants in their own homes.
Presumably under this plan eviction or unlawful detainer is not an option for anyone claiming to be a creditor, wanting to foreclose. Obviously you would want to consult with a very knowledgeable property lawyer licensed in the appropriate jurisdiction before launching this strategy.
In the event of foreclosure, even in a non-judicial state, would be subject to rules requiring a judicial foreclosure which means the pretender lender would be required to plead and prove their status as creditor and their right to collect on the note and foreclose on the mortgage.
Meanwhile, after all their documents are duly recorded, John and Mary start paying rent pursuant to their sublease and stop paying anyone on the mortgages.
Any would-be forecloser would probably have a claim to collect that rent, but other than that they are stuck with a house where they got title (under dubious color of authority) without any right to possession (unless they prove a case to the contrary — the burden is on them).
If you want to slip in a poison pill, you could put a provision in the lease that in the event of foreclosure or any proceedings that threaten dispossession or derogation of the lease rights, the lease converts from a net-net lease to a gross lease so the party getting title still gets the rent payment but now is required to pay the taxes, insurance and maintenance. Hence the commencement of foreclosure proceedings would trigger a negative cash flow for the would-be forecloser.
To further poison the well, you could provide expressly in the lease that the failure of the landlord or successor to the Landlord to properly maintain tax, insurance and maintenance payments on the property is a material breach, triggering the right of the Tenant to withhold rent payments, and triggering a reduction of the option price from $250,000 to $125,000 with the same terms — tender of a note, unsecured, for the full purchase price payable in equal monthly installments of interest and principal.
Not much difference than the chain of securitization is it?
Economic View New York Times
Underwater, but Will They Leave the Pool?
By RICHARD H. THALER
MUCH has been said about the high rate of home foreclosures, but the most interesting question may be this: Why is the mortgage default rate so low?
After all, millions of American homeowners are "underwater," meaning that they owe more on their mortgages than their homes are worth. In Nevada, nearly two-thirds of homeowners are in this category. Yet most of them are dutifully continuing to pay their mortgages, despite substantial financial incentives for walking away from them.
A family that financed the entire purchase of a $600,000 home in 2006 could now find itself still owing most of that mortgage, even though the home is now worth only $300,000. The family could rent a similar home for much less than its monthly mortgage payment, saving thousands of dollars a year and hundreds of thousands over a decade.
Some homeowners may keep paying because they think it's immoral to default. This view has been reinforced by government officials like former Treasury Secretary Henry M. Paulson Jr., who while in office said that anyone who walked away from a mortgage would be "simply a speculator — and one who is not honoring his obligation." (The irony of a former investment banker denouncing speculation seems to have been lost on him.)
But does this really come down to a question of morality?
That norm might have been appropriate when the lender was the local banker. More commonly these days, however, the loan was initiated by an aggressive mortgage broker who maximized his fees at the expense of the borrower's costs, while the debt was packaged and sold to investors who bought mortgage-backed securities in the hope of earning high returns, using models that predicted possible default rates.
The morality argument is especially weak in a state like California or Arizona, where mortgages are so-called nonrecourse loans. That means the mortgage is secured by the home itself; in a default, the lender has no claim on a borrower's other possessions. Nonrecourse mortgages may be viewed as financial transactions in which the borrower has the explicit option of giving the lender the keys to the house and walking away. Under these circumstances, deciding whether to default might be no more controversial than deciding whether to claim insurance after your house burns down.
In fact, borrowers in nonrecourse states pay extra for the right to default without recourse. In a report prepared for the Department of Housing and Urban Development, Susan Woodward, an economist, estimated that home buyers in such states paid an extra $800 in closing costs for each $100,000 they borrowed. These fees are not made explicit to the borrower, but if they were, more people might be willing to default, figuring that they had paid for the right to do so.
Morality aside, there are other factors deterring "strategic defaults," whether in recourse or nonrecourse states. These include the economic and emotional costs of giving up one's home and moving, the perceived social stigma of defaulting, and a serious hit to a borrower's credit rating. Still, if they added up these costs, many households might find them to be far less than the cost of paying off an underwater mortgage.
An important implication is that we could be facing another wave of foreclosures, spurred less by spells of unemployment and more by strategic thinking. Research shows that bankruptcies and foreclosures are "contagious." People are less likely to think it's immoral to walk away from their home if they know others who have done so. And if enough people do it, the stigma begins to erode.
A spurt of strategic defaults in a neighborhood might also reduce some other psychic costs. For example, defaulting is more attractive if I can rent a nearby house that is much like mine (whose owner has also defaulted) without taking my children away from their friends and their school.
So far, lenders have been reluctant to renegotiate mortgages, and government programs to stimulate renegotiation have not gained much traction.
Eric Posner, a law professor, and Luigi Zingales, an economist, both from the University of Chicago, have made an interesting suggestion: Any homeowner whose mortgage is underwater and who lives in a ZIP code where home prices have fallen at least 20 percent should be eligible for a loan modification. The bank would be required to reduce the mortgage by the average price reduction of homes in the neighborhood. In return, it would get 50 percent of the average gain in neighborhood prices — if there is one — when the house is eventually sold.
Because their homes would no longer be underwater, many people would no longer have a reason to default. And they would be motivated to maintain their homes because, if they later sold for more than the average price increase, they would keep all the extra profit.
Banks are unlikely to endorse this if they think people will keep paying off their mortgages. But if a new wave of foreclosures begins, the banks, too, would be better off under this plan. Rather than getting only the house's foreclosure value, they would also get part of the eventual upside when the owner voluntarily sold the house.
This plan, which would require Congressional action, would not cost the government anything. It may not be perfect, but something like it may be necessary to head off a tsunami of strategic defaults.
Richard H. Thaler is a professor of economics and behavioral science at the Booth School of Business at the University of Chicago.
Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: $800 fee, ARIZONA, Booth School of Business, CALIFORNIA, Department of Housing and Urban Development, Eric Posner, fee for non-recourse option, Lease, Luigi Zingales, mortgage default, New York Times, non-recorse, Option, pool, recording, Richard Thaler, strategic defaults, sublease, Susan Woordward, swap, University of Chicago, walking away |	19 Comments »
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New Court Appellate Court Reveals Dangers of Forbearance and Modification Agreements
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Author: MargauxDiaz
Margaux Diaz is a technology and gadget geek. She is an inspirational writer and has written numerous Articles on latest technology, gadgets, mobile phones, and many more stuffs related to upcoming technology. Her main motive is to help and support people around the world and give them information regarding new latest technology. To know more about technology connect with her on Facebook, Twitter, Google+.
Pokémon Go Updates as Users Do Anything to Get Noticed
MargauxDiaz	Mobiles, Technology	August 17, 2016
Last month featured the introduction of one of the latest augmented real life games ever; The Pokémon Go. This a reality game developed by Niantic industry for both iOS and Android powered devices. The game can be played both in single-player and multiplayer modes. Basically, this game utilizes the device's Global Positioning System to display
Email Marketing Technology is the Smart Move Right from Start
MargauxDiaz	Business, Social Network	August 8, 2016
Email happens to be the most direct and shortest way to reach an audience. People tend to retain their email addresses for many years. They let you connect to users regardless of the type of device they are using. You will be able to know whether the user is at home or working. In this
7 Best Mobile Makeup Apps Which Make Your Look Classy!
MargauxDiaz	Mobiles, Technology	July 26, 2016
Smartphones are great for texting, calling, the Internet and social media among other uses. What most people are not aware of, is that they can be used for makeup and hairstyles try. They can also be used for manicure and pedicure. All that you need to do is get the right app from the app
Know how Nokia Turns to Android for New Mobile Range
MargauxDiaz	Android, Gadgets, Mobiles	June 18, 2016
After a brief break, Nokia is planning to restart its push to join the tablet and smartphone market. HMD will, however, not be using the Symbian or Windows Operating System for its new phones. Nokia has something else in mind; they realize that Android has a huge hold on the global market. As a result,


Join our Young Nebraskans in Action tonight from 6-7pm at the Heartland Workers Center. Tonight's meeting will include: updates on LB 623 and next steps, mini-workshop: Engage in Your Community where youth will learn the need to address issues through conversations with others. There will be pizza served tonight, so don't miss out!


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Q: What is this story referenced in Slay the Spire; "a giant isolated building underground...outside conditions have become unbearable"? In the video game Slay the Spire, when you get the Library encounter, you can get one of three descriptions of novels.
One description is of "a young superhero with the power to control insects" -- that's Worm.
Another is "a man who journeyed beyond the stars" who gets trapped on a desolate planet and has to rely on his ingenuity to get home -- that's The Martian.
The third description says: "The story takes place in a giant isolated building underground as the outside conditions have become unbearable. The novel is mired with conspiracies, propaganda, and injustice."  What is this story?
My first thought was of the Alpha Complex, but that's not a novel...

A: This is Wool by Hugh Howey, continuing the theme of self-published authors.

This is the story of mankind clawing for survival, of mankind on the
edge. The world outside has grown unkind, the view of it limited, talk
of it forbidden. But there are always those who hope, who dream. These
are the dangerous people, the residents who infect others with their
optimism. Their punishment is simple. They are given the very thing
they profess to want: They are allowed outside.

(Dubious?) Confirmation is provided by Reddit user Pokefinder2 who claims that he was privy to the game's official discord development channel

Pokefinder2 - The Library: Randomly references 1 of 3 novels: Worm (web serial), The Martian, and Wool.
puppyaddict - Do you have a source claiming these are the actual references or are they a representation of your own associations?
Pokefinder2 - Discord from th[e] dev as help for localization.

A: The third description reminds me alot of 'The Island' to be honest.
But I'm sure there can be found more dystopian movies with a similar setup.

redpajama_set_name: RedPajamaStackExchange


text:
Atoms Lanka Solutions > Software Development > Reese Witherspoon's Hello Sunshine sold to new media firm from former Disney execs
Reese Witherspoon's Hello Sunshine sold to new media firm from former Disney execs
Hello Sunshine, Reese Witherspoon's media company that has produced content for streaming services like Hulu, Apple and HBO, among others, has been sold to a yet-unnamed new media firm run by former Disney execs, Kevin Mayer and Tom Staggs, the company announced this morning.
The Wall St. Journal first reported on the sale.
Deal terms were not officially disclosed, but reportedly, the sale values Hello Sunshine's business at around $900 million, The WSJ says. The news outlet had previously reported Hello Sunshine was exploring a sale after receiving interest from a number of suitors, including Apple.
Hello Sunshine was co-founded by Witherspoon and Strand Equity founder and managing partner Seth Rodsky in 2016, and is best known for producing series like HBO's "Big Little Lies," Hulu's "Little Fires Everywhere," and Apple's "The Morning Show," which feature Witherspoon in starring roles.
But the company has also invested in other film and media projects, ranging from Facebook Watch series to collaborations with Amazon's Audible. It now has upcoming film and TV projects on the slate with Netflix, Amazon, ABC and Starz, and recently announced a Kids & Animation division as well as the acquisition of Sara Rea's SKR Production to expand into unscripted content.
In addition, the company operates an online and mobile book club app, Reese's Book Club, now with 2.1 million followers. The club's more popular picks are often turned into the shows and movies Hello Sunshine later produces.
Per Hello Sunshine's announcement, the company will be the first acquisition by the new media venture run by Mayer and Staggs, which is backed by private equity firm Blackstone. The firm is spending more than $500 million in cash to purchase shares of Hello Sunshine from its investors, including AT&T and Emerson Collective, The WSJ noted.
Following the deal's closure, the senior management team will continue to run Hello Sunshine's day-to-day operations. Witherspoon and Hello Sunshine Chief Executive Sarah Harden will join the board of new company and retain significant equity holders in the new business.
Hello Sunshine will become a cornerstone of the new media company's strategy, which will involve being an "independent, creator-friendly home for cutting-edge, high-quality, category-defining brands and franchises," it says.
"Today marks a tremendous moment for Hello Sunshine. I started this company to change the way all women are seen in media. Over the past few years, we have watched our mission thrive through books, TV, film and social platforms. Today, we're taking a huge step forward by partnering with Blackstone, which will enable us to tell even more entertaining, impactful and illuminating stories about women's lives globally. I couldn't be more excited about what this means for our future," said Witherspoon in a statement about the deal.
The deal arrives at a time when there's an uptick in consolidation happening the media business, as companies adjust to the shift away from traditional TV and standard movie releases to the always-on world of streaming and cord cutting. For example, Amazon in May announced it would buy MGM Studios for $8.45 billion — a deal being investigated by the FTC for potential antitrust issues. Meanwhile, WarnerMedia and Discovery around the same time announced their plans to merge operations, in hopes of taking a bigger bite out of the streaming market. Now, Comcast and ViacomCBS are exploring ways to work together, too.
But as traditional media companies begin to stream, like NBCU did with Peacock, for instance, they also pull back content licensed to other streamers, like Netflix. That drives demand for new sources of independent programming, like what Hello Sunshine produces.
The company's value in this market comes from its pipeline of quality projects, many of which are pre-vetted by its book club members, who serve as a built-in audience and fan base for the later film or televised release. Plus, the projects it backs are also those that tell women's stories — a historically neglected segment of the market, and one that Hello Sunshine's success proves there's pend-up demand for among viewers.
Blackstone's investment in the new company is being made through its private equity business, which previously acquired a majority stake in dating app Bumble. Blackstone has made other entertainment industry investments, as well, including music rights organization SESAC; a Hollywood studio space and Burbank office real estate portfolio; global theme park operator Merlin Entertainments; online genealogy platform Ancestry.com; online mobile ad platforms Vungle and Liftoff; and Epidemic Sound, which delivers music to internet content creators.


text:
using System.Collections.Generic;
using System.Text.Json;
using Azure.Core;

namespace Azure.ResourceManager.DataFactory.Models
{
    internal partial class SsisObjectMetadataListResponse
    {
        internal static SsisObjectMetadataListResponse DeserializeSsisObjectMetadataListResponse(JsonElement element)
        {
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                    foreach (var item in property.Value.EnumerateArray())
                    {
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                    value = array;
                    continue;
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                {
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                    continue;
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        }
    }
}

redpajama_set_name: RedPajamaGithub


His brother, William, died in 1766 and mentions in his will brothers John and James and sister Jane Marshall. In this will, John mentions brother James and sister Jane Marshall. I can therefore be certain that John was my 7x Great Uncle and his relationship to my Mother can be seen here.


CANNT, is the world's Festival of Creativity, a grass roots community experience that happens in late June around the globe. Each year, we go off the beaten track and into all things a bit more curious. With a calendar packed with juicy treats and events, it's always aims to be an incredible week.
CANNT always takes place the same week as Cannes Lions - the advertising industry big trade and award show. This year, it'll be happening on 18-22 June.
CANNT has grown into its position as the open festival for all and any creative persuasion, for those who look for something new; to celebrate their collective awesomeness and have a great time in doing what they do, where they do it. It was co-founded by Simon Gill (Isobar) and Laura Jordan Bambach (Mr President) in 2010.


text:
Rescue deal saves Just for Pets stores and 200 jobs
Chain of pet shops operating mainly across the West Midlands is acquired by Nottingham-based group
Tamlyn Jones
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A chain of pet stores operating predominantly in the West Midlands has been rescued from administration but one of its shops in Birmingham will close.
Just for Pets ran 25 stores but was placed into administration after the company started making a loss.
The chain's parent company Wynnstay said last month the trading environment had shown a "marked deterioration over the last year" due to changes in consumer buying behaviour, coupled with additional sources of competition and greater cost pressures.
A total of 18 stores have been acquired by PSR Trading, which is owned by Nottingham-based pet supplies business Pedigree Wholesale, but seven sites were not included in the undisclosed rescue deal.
The buyout has saved almost 200 jobs at the shops and its head office in Hartlebury, Worcestershire.
Hundreds of Birmingham staff made redundant following collapse of airline Monarch
The saved stores are in Bristol, Bromsgrove, Cambourne, Cambridge, Coventry, Droitwich, Evesham, Kidderminster, Long Eaton, Malvern, Maypole, Northfield, Nuneaton, Stourbridge, Swadlincote, Telford, Wolverhampton and Worcester.
The seven sites to close are in Burton-upon-Trent, Northampton, Nottingham, Reading, Wellington and Yardley and a Bessie & Boo in Evesham.
Ben Barrett and John Carpenter of Dow Schofield Watts were appointed as joint administrators and led the buyout deal.
Mr Carpenter said: "We are delighted to have secured the future of this long-established retail business and wish the PSR Trading team every success for the future.
Look for retail jobs in the West Midlands with Fish4Jobs
"The Just for Pets business is strongly focussed on customer service and animal welfare and its directors and management have worked alongside us to ensure continuity of the business and a positive outcome for the majority of its employees and other stakeholders."
Pedigree Wholesale's managing director Steve Brown said: "On hearing the future of Just for Pets was under threat, we felt we could play a role in using our pet business expertise to secure a new future for the company.
"We know Just for Pets has a great reputation for offering outstanding customer service and has developed a loyal customer base so we are pleased that Pedigree Wholesale can now create a future for the business and the brand.
Judas Priest star's stately home collapses into administration
"While the acquisition offers an exciting new opportunity for all involved, we accept that a small number of staff will not be part of the business going forward and we wish to recognise and thank them for the contribution they have made to Just for Pets."
Just for Pets' operations director Kate Byrne added: "The sale to PSR represents the best outcome for employees, creditors and our very loyal and valued customer base."
Wynnstay Group director Paul Godwin said: "While it is deeply disappointing to see the business go into administration, it is pleasing to see a deal agreed which preserves the majority of jobs and allows the well-established brand to continue to serve loyal customers throughout the trading area.
"We are extremely grateful to all staff and customers for the considerable support over the past few weeks and remain confident the new owners will build on an already strong and recognised brand and will look to further develop the business over the coming years."
Dow Schofield Watts was advised by law firm Turner Parkinson.
WalesGwynedd housing group Adra says 'shackles are off' after massive refinancing dealAdra (previously known as Cartrefi Cymunedol Gwynedd) says the new finance will allow them to build 1,350 homes
Economic DevelopmentAmazon's first corporate office outside of London opens in Manchester today and this is what you can expect...The 90,000 sq ft space will, over time, house 600 new roles technical and corporate roles
Business of SportGreat North run boosted North East economy by £31m last year, research revealsThe organiser of the world's biggest marathon has revealed the full impact of the event, as it prepares to host its 40th North East race
Engineering£7m water treatment plant proposed by Anglian Water for GrimsbyFirst phase roll-out of huge five year investment plan from utility giant
West MidlandsInvestors lose £279m on Carillion's West Midlands hospital projectNational Audit Office says private sector is bearing the financial brunt of Midland Metropolitan project which has been hit by delays and spiralling costs of more than £300m
East MidlandsDerbyshire business park extension could create almost 1,000 new jobsDenby Hall Business Park expansion could provide a major boost to the local economy


text:
"use strict";

const Joi = require("joi");

const Validator = require("../tools/validator");

const generateDefaultValue = (schema) => {
  let defaultValue = "string";

  if (schema.path.toLowerCase().indexOf("password") > -1) {
    defaultValue = Validator.generateRandomPassword();
  }

  if (schema.options.default) {
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  }

  result = result.description(`this resources ${schema.path} field`);
  if (options.defaults) {
    result = result.default(generateDefaultValue(schema));
  }
  return result;
};

module.exports = {
  toJoi,
  generateDefaultValue
};


Romantic, sporty or classic? We make the choice easier – these styles from the 03/2019 issue of BurdaStyle magazine include the perfect blouses for every occasion, style and figure.
Topstitched and beaded flounces give this style with its sporty striped shirting fabric a breezy and fresh touch. The look is especially flattering for women with smaller bustlines. The flared sleeves look great while also adding a bit of comfortable coverage for the first warmer days of the season.
The half-length sleeves are an easy and comfortable choice for the fluctuating temperatures of the season. The sporty blouse includes a V-neckline and rather than structured panel seams, it has a tying belt – so you can choose to draw it close or let it drape more casually.
This style is an update on the business blouse. We kept the classic features like the button placket, turndown collar and a back yoke, then refreshed it with cropped sleeves that draw in the extra volume thanks to deep pleats at the cuff. A sophisticated and fresh look.
The perfect choice for even those that find blouses to be too "stuffy". This style in a fine silk does away with superfluous details and lets itself get the highlight from sophisticated gathering along the panel seams.
Prints are very effective when sewn into this straight-line shaped blouse. The gathers add extra swing to the pattern and the hem gathers at the sleeve ends are ideal for border prints.
Whether time at the office or a dinner is on the agenda this ultra-feminine wrap blouse with the wide hem band and ties that cap the deeply set sleeves is one that works for (almost) every excursion.
Knotted blouses are having a revival this season. They are a great choice to pair over close-fitting tops or dresses for an effortless fashion bridge of looking great and casual cool.
This pretty blouse in the popular paisley print is sure to quickly become a wardrobe favorite. Style it with jeans or with fine trousers to look great either way. The tying bands are secured into the side seams to let you adjust it to your figure.
Sew up ALL these fabulous blouses with the discounted pattern collection bundle here!


Outsourcing is often defined as the delegation of non-core operations or jobs from internal production within a business to an external entity that specializes in that operation. Outsourcing is a business decision that is often made to lower costs or focus on competencies. Due to the nature of programming, the outsourcing of software development has evolved more rapidly than other areas of job outsourcing.
Big Data is Getting Bigger; Is Your Backup Keeping Pace?
In the event of a service outage, your IT will still be under pressure to restore services immediately and completely. Find out what you can do to stay prepared: How to Avoid the Coming Backup Crunch.
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This white paper provides specific recommendations on how organizations can implement a simple, effective code review process that takes advantage of the latest tools and technologies.
How today's CIOs deliver strategic IT. In a two-hour, roundtable discussion, they shared their experiences and pooled their thoughts on modern best practice for delivering IT services.
Join Heinz Schaffer, CPO of the multi-billion dollar AXA Group, as he reveals his journey of elevating AXA to the next level of Sourcing and Procurement success.


You'll give these joggers all the stars! Super soft and cozy perfect for late nights studying or running quick errands around town. You won't want to take them off. The edgy lace up tie detail on the front makes them appropriate for wearing around town. You'll also love the mix of stars and camo. Add your favorite band tee to complete your look. Run true to size with an adjustable tie waist.


I'm normally not very good at photos and tend to just take them for reference than stand alone things of their own but I like these photos I took in Changning the morning of my younger brother's wedding.
me: Video!!! The future is now!
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you have a web cam?