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Success StoriesCompanies 270 views
Fidelity: Fast, Flexible, First
Assess how Fidelity uses flexibility and novel ideas to make your money grow
Powered by imagination, foresight and innovation, Fidelity has stamped its imprint on the global financial services industry. But as competition builds and new markets beckon, Fidelity must reinvent itself to stay on top.
"Some are born great, some achieve greatness, and some have greatness thrust upon 'em."
Malvalio's famous lines from Shakespeare's Twelfth Night, perhaps, were a prophecy for one of America's best loved companies. With its roots laid in 1943, many pivotal moments in Fidelity's 64-year history have mirrored the growth of America's financial services industry. The largest mutual fund company in the United States and one of the world's largest providers of financial services to more than 23 million individuals, Fidelity has given money a new value. It has pioneered a slew of savings plans and carved out unique relationships with investors. It was one of the first financial services firms to extensively use technology. While mutual funds were pioneered in the 1920s, Fidelity has set industry benchmarks by accurately reading consumer demand. This foresight has, literally, paid rich dividends. For the financial year ending March 31, 2007, Fidelity had $1,251.9 billion in assets under management. In 1946, Fidelity had a mere $13 million in assets under management. Today, Fidelity, from its Boston headquarters, offers 1,084 funds. These include retail, institutional and other funds and cover the world's major markets in 23 countries where it has a strong presence. Fidelity's muscular performance has kept many competitors like Merrill Lynch, T. Rowe Price, The Charles Schwab Corporation and others firmly at bay.
Fidelity has pioneered a cache of innovative products and services. The firm has many industry firsts to its credit. It introduced the first online portfolio planner and the first money market fund to offer check-writing. Fidelity's large number of investors bears testimony to its finesse in creating new benchmarks for the industry. To understand how Fidelity transformed the character of the U.S. financial services sector, rewind to the period shortly after the end of World War I.
PLANTING THE MONEY TREE
It was a time of heady change. The Fidelity Fund itself had been founded in 1930. Edward Crosby Johnson II acquired the Fidelity Fund in 1943 and was elected President and Director. In 1946, Johnson formed Fidelity Management & Research Company (FMR Co.). FMR Co.'s role was to act as investment advisor to the Fidelity Fund. Johnson pioneered the unique management approach that is synonymous with Fidelity today.
Soon after the end of World War II, the socio-economic and technological landscape evolved rapidly around the world. Color television was introduced in America in 1951. The Soviets launched the Sputnik satellite in 1957. Three years later, John F. Kennedy became the President of the U.S. Dr. Martin Luther King Jr. delivered his famous 'I have a Dream' speech in 1963. The Beatles shot to fame in the same year. And the U.S. won the space race to become the first nation to land men on the moon in 1969. Meanwhile, the Fidelity Fund was charting its own course through history.
Fidelity demonstrated its aggressive spirit, its ambition to do new things (and to do old things differently) early on, in 1958, when it introduced two iconic funds. These were the industry's first aggressively managed equity funds: the Trend Fund and the Capital Fund. While Gerald Tsai became manager of the Capital Fund, Ned Johnson, Edward Crosby's son, was appointed manager of the Trend Fund. In 1963, the Fidelity International Fund was launched. It was re-named the Magellan Fund in 1965. This would prove to be a blockbuster fund for a long time, a gold mine for Fidelity.
This was a period of growth for the company and it quickly drove into top gear. In 1964, FMR Investment Management Service Inc. was formed to manage money for large pension plans. Two years later, Fidelity crossed the billion-dollar mark with $2.7 billion in assets under management. Realizing the growing need to make funds available for overseas investors, Fidelity International Limited was founded in Bermuda. Alongside, FMR Service Co. was also created to bring shareholder recordkeeping inhouse. In 1972, FMR Corp was established as the holding company of FMR Co. and most of its subsidiary companies. The same year, the leadership of Fidelity passed to the next generation of the Johnson family. Ned Johnson would drive the firm into a new era brimming with exciting opportunities.
INSIGHT AND INNOVATION
"He wasn't a scholar, but he was reading The Wall Street Journal before I even knew what it was," recalls Ned Johnson's college roommate. The second generation of the Johnson family, Ned, had stocks and shares coursing through his veins. In 1957, soon after he received a bachelor's degree from Harvard, Ned Johnson joined Fidelity. Under his leadership, the Trend Fund ranked no. 1 among growth funds. It is said that the junior Johnson would address his father as 'Mr. Johnson' in the office, demonstrating a determination to be recognized for his merit, not family ties.
And merit Ned had plenty. Consolidation, heralding new methodologies in financial services, building a new team and acute foresight marked Ned's operating style in the 1970s. In 1973, Fidelity became one of the first fund companies to take customer service inhouse. In 1974, the stock market declined by 50 percent and Fidelity faced its worst crisis. Assets under management declined from $4 billion to $2.4 billion. Yet adversity made Ned Johnson conceive pathbreaking ideas. A simple one – which yielded more than $500 million from new investments – stemmed from a clear notion: allow investors to write checks on their money market accounts. Thus the first money market fund which offered check-writing, the Fidelity Daily Income Trust (FDIT), was launched that same year. It was also Fidelity's first no-load fund. Fidelity had proved to be a pioneer again.
Despite 1974 being a difficult year for the stock market, Ned Johnson used the time as an opportunity to grow. Nurturing a deep interest in technology, Ned was particularly intrigued by the computer. He introduced new computer and telephone systems and this investment yielded rich dividends. Using the dual combination of advertising and a tollfree number, Fidelity was flooded with callers when it launched its first Wide Area Telephone Service (WATS) line. To cope with the increasing number of calls, eight other lines were introduced and the toll-free numbers brought new streams of revenue to Fidelity.
Ned continued to try out new ideas. Fidelity pioneered retirement plans in 1975, when it launched the Individual Retirement Account (IRA). Even as the U.S. was celebrating its 200th year of Independence in 1976, the celebratory spirit was reflected at Fidelity. Assets under management reached $3.5 billion. In 1977, when Star Wars, the biggest movie grosser at the box office was enrapturing the world, Fidelity introduced significant management changes. Ned Johnson now sat at the company's helm as Chief Operating Officer and Chairman, while Peter Lynch became the portfolio manager of the Magellan Fund.
Johnson's fascination with the computer led to the company introducing the Fidelity Information phone system. The human voice-activated computer answered queries relating to prices and yields 24 hours a day, the first system of its kind for the public. Once again, Fidelity was ahead of the market curve, reading emerging trends – indeed setting them. It constantly tried out new ideas, new ways of doing things. Perhaps Johnson was using the Japanese kaizen philosophy. He would say of kaizen: it's about "making small improvements in all areas of the company over an extended period of time."
FIDELITY HIGH ON BULL RUN
One of the things Fidelity did particularly well was use the crests and troughs in the economy to its advantage. When business conditions were favorable, Fidelity launched a slew of financial packages and funds which served the needs of different sections of customers. The first taxexempt money market fund, Fidelity Tax-Exempt Money Market Trust, was launched in 1980. This fund gave investors the option of benefiting from a portfolio of shortterm municipal obligations with an average weighted maturity of 120 days or less.
The Fidelity Systems Company was established in 1981. The sole function of this entity was to oversee the smooth functioning of the company's computer and telecom operations. Later, in 1984, Fidelity further consolidated its technological capability. It created a new computer system which offered customers for the first time automated telephone services to access their account balances and exchanges. Fidelity also combined its new fund packages with the latest technology. For investors seeking advice on the best available stocks in particular industries, Fidelity launched Select Portfolios sector funds. The firm, meanwhile, kept upgrading its customer services by constantly deploying new technology. In 1986, it was the first in the industry to offer hourly pricing for the Select Portfolios sector funds. This gave Fidelity an edge over competitors who offered prices only at the end of the business day.
Fidelity also lavished increasing attention on retirement planning, a rapidly developing segment. To provide IRA custody services and manage employee benefit assets, the Fidelity Management Trust Co. was created in 1981. Two years later, Fidelity Automated Service Telephone (FAST) was opened to assist in 401(k) retirement accounts, another quickly developing segment. In 1983, the first asset management account offered by a mutual fund company, Fidelity USA, was launched. Fidelity also began establishing its presence in other cities in the U.S.: the first investor center was inaugurated in Boston. The Plymouth Funds (later renamed the Fidelity Advisor Funds in 1992) were special funds devised for sale by intermediaries.
The political, social and economic environment in the U.S. was meanwhile changing rapidly. Ronald Reagan was elected President, ushering in a decade of conservative politics. The first artificial heart transplant was made, revolutionizing medical science. The CD ROM was introduced by Sony and Philips, transforming information technology. Fidelity continued to morph into a more complete financial services enterprise. It also began to diversify. BostonCoach, started by Fidelity in 1985, offered executive ground transportation services. The company was also the first to introduce credit card services to retail customers in 1986. These innovative services attracted customers and assets burgeoned. In 1986, as the Statue of Liberty celebrated its 100th anniversary, Fidelity had $50 billion in assets under management.
The next year, however, proved difficult when, on October 19, 1987, the Dow lost 22.6 percent of its value. 'Black Monday' wiped out $500 billion in investors' money, the largest, most calamitous plunge in Wall Street history. Despite this setback, Fidelity persevered. It introduced a unique scheme for long-term investors. Its new Spartan fund proved to be popular. To make an investor's experience smoother and quicker, the FundsNetwork was launched. A 'mall' of fund options, customers now had the choice of Fidelity and non-Fidelity funds. Once again, Fidelity had emerged stronger from a crisis brought about by external circumstances. It could not control those circumstances but it could mold them to its advantage.
Ned Johnson had once said that every aspect of Fidelity had been governed by his father's maxim when he started the company. "….to act always in the best interests of our shareholders and customers. It should govern our thinking in everything we do."
AMPLE FUNDS
"I'm pleased to say there's no shortage of ideas at Fidelity," remarked Ned Johnson at the end of the twentieth century. His company had proved to be a pioneer in the financial services industry and the 1990s explicitly demonstrated this. Adroitly expanding in other areas, Fidelity Capital established the City of London Telecommunications (COLT) to lay fiber-optic networks in Europe. In 1993, the Fidelity Personal Trust Services (FPTS) was launched. Aiming at trusts and wealthy individuals in the U.S., FPTS offered special investment management services.
Meanwhile, Fidelity focused on consolidating its contemporary services – Fidelity Ventures opened a unit in Hong Kong and Fidelity Capital Markets established a presence at the World Trade Center in Boston. Giving investors a more globalized bouquet of options, Fidelity introduced a yen-dominated domestic investment trust – the first financial company to do so.
Riding on the Internet wave, Fidelity once again demonstrated its alacrity to embrace new technology. It was the first mutual fund company to create a home page on the Internet. The enthusiastic customer reception showed that Fidelity had hit the right button with its technology- driven approach. This was a prosperous time for Fidelity. Assets under management in 1996 were a humungous $500 billion. Confident about the success of online trading, Fidelity embarked on strategic partnerships. In 1997, the company teamed up with Solomon Smith Barney to provide investors with initial public offering and third-party securities research. Once again, this offer was an industry first. Later, in 1999, Fidelity entered into an alliance with Lehman Brothers to form an electronic communications network to provide brokerage customers with trading means. As ever, Fidelity was ahead of its competitors, forming trends rather than following them.
That innovation was part if its corporate DNA was underscored when, in 1998, Fidelity received the Microsoft Award for innovation in online retirement services. The company also initiated the PorfolioPlanner, an online retirement planning tool which rapidly became popular with its growing legion of customers.
Ned Johnson knew that Fidelity would never be short of ideas. Fidelity churned out new products and services in a steady stream, surprising even loyal customers with its commitment to innovation. Fidelity closed the twentieth century with some remarkable services. e401k, the first 401(k) plan in the U.S. which was available on the Internet, was introduced in 1999. The plan offered a holistic service ranging from record-keeping reports and planning tools to ongoing account monitoring and management. A web-based brokerage platform, Powerstreet was also launched and Fidelity customers were offered access to Lehman Brothers research, extending the earlier trading partnership with the brokerage firm.
THE NEW MILLENNIUM
As Fidelity entered the twenty-first century, its position as a global financial services enterprise had never looked brighter. Managing assets worth over $955 billion, it was a powerful global force. The company had always been guided by another of founder Edward Johnson II's maxims: "To achieve outstanding investment returns for our clients." Through its plethora of products, Fidelity was doing exactly that. In the new millennium Fidelity enhanced its portfolio, aiming at strengthening relations with its burgeoning number of customers worldwide.
Fidelity also continued with its strategy of collaborating with other enterprises to widen the firm's client base. With OnStar, the alliance offered investors in-vehicle investment services. In 2002, Fidelity and IBM came together in an HR outsourcing agreement which resulted in 700 IBM employees transferring to Fidelity. The company launched eight new bond funds, adding more products to its fixed-income portfolio.
Fidelity, like any other company, has seen testing times. The once-blockbuster Magellan Fund is a trying asset – an almost legendary fund which once totaled $100 billion was worth only $52 billion on October 31, 2005, and remains closed to new investors even today. In the first eight months of 2006, only 30 percent of Fidelity's actively managed stocks funds beat their category averages, according to fund tracker Lipper Inc. Only half of Fidelity's equity portfolios have performed above the average of their competitors in the past five years. As a consequence, Fidelity has significantly increased its spending on stock research.
Edward Johnson II built a strong foundation and his son, Ned, consolidated and expanded the enterprise. Known for his legendary proclivity to visit the computer room for updates on technology and join telephone representatives to learn first-hand about customer demands, Ned has taken an interest in every part of Fidelity's management. Despite being ranked no. 80 on Forbes' list of the world's wealthiest people and with a fortune estimated at $7.5 billion, Ned has preferred to live a low-key life. He stays away from public appearances and nurtures his love for art and antiques. He also enjoys a good game of tennis.
Ned's daughter, Abigail, is being spoken of as the next Fidelity head. Beginning her career in 1988 at Fidelity, she was moved from the prestigious mutual fund division to a unit which administers payroll and HR benefits for other companies. Although she has not been officially named as the heir apparent, the odds are stacked in her favor. At present, Abigail is honing her skills, bringing with her to Fidelity a modern skepticism of the kaizen philosophy, long followed by her father. Although the two have different managerial styles, both are self-effacing. The story goes that when Abigail was nine months pregnant and stuck on a highway with a flat tire, instead of calling BostonCoach, the limousine service owned by Fidelity, she called a friend.
NEW TRADITIONS
"Fidelity's culture is to build on our existing strengths as we explore future opportunities, to balance tradition with new thinking. By so doing, we are able to provide the services that will help our customers better achieve their financial goals."
Edward C. Johnson II's words epitomize Fidelity's corporate ethos. He founded a company which has reached its current pre-eminence by being flexible and innovative. It showed its willingness to be different by engaging Sir Paul McCartney's services to promote mutual funds. Sta-tistics estimate that one-third of households across the U.S. own or have owned a Fidelity product at some point in time. Coupling McCartney's reach and connection to baby boomers, Fidelity showed that financial services need not be sold only with gravitas. Finance could be fun.
Throughout its six decades of operation Fidelity has stuck to a three-pronged strategy. One, reading customers' needs before its competitors do and moving swiftly to satisfy them with new, cutting-edge products. Two, deploying the latest technology to attract and retain customers. And three, being flexible, fast – and first.
Investing other people's money is both art and science. The science lies in stock research, analysis and technical models to minimize risk, maximize gain. The art lies in intuition about what financial products customers might – indeed should – want next. Fidelity has succeeded as one of the world's largest and most respected financial services firms because it has mastered both the art and science of managing money. It has been a pioneer and a leader which sets the standard by which others in the business measure themselves.
By constantly launching creative new financial products, being the first-mover in deploying new technology and capturing social trends (for example, newly retiring baby-boomers) to launch niche funds, Fidelity has had a deep and wide impact on the financial services industry. Many of its products have been unique on a national scale and some worldwide. That then is the test of an innovation-driven enterprise: it sets unique internal benchmarks, it then uses its internal ideology to set industry-wide standards, migrating those standards first across the nation and then globally. That, in a nutshell, is what sets Fidelity apart.
Source: Pioneering Minds
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redpajama_set_name: RedPajamaCommonCrawl


BILLINGS, Mont. – The bison population in Yellowstone National Park continues to bounce back from a massive culling of the herd two winters ago. It's now estimated at 3,300 animals.
The summer 2009 population figure includes 2,800 adult and yearling bison and 500 calves. That's up from a total of 2,900 bison at the end of last winter.
More than 1,600 Yellowstone bison were killed in 2008 as they attempted to migrate to lower elevations in Montana in search of food.
State and federal agencies employ a capture and slaughter program against bison leaving the park to protect against the spread of the disease brucellosis.
The disease can cause pregnant animals including cattle to miscarry.


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Confused.. Here Is How To Spot The Lamborghini Models
Ritzy List Admin 25/04/2021 2 comments
Until recently, Lamborghini has had just two models on offer, and though they are very different, sometimes they can be difficult to tell apart.
We've lovingly gone over every inch of some sleek and shiny Lamborghinis to pick out the unique bits and flaps that separate the Huracáns from the Gallardos and the Murciélagos from the Aventadors, so in future you'll know that when they're talking about…
How can you tell which Lamborghini it is from the front?
You'll probably be able to pick out that it's a Lamborghini either from the characteristic supercar roar or the fact it has a Lamborghini badge (black shield with a gold bull and the words 'Lamborghini' written in gold) on it, but telling them apart after that can be tricky if you can't see the name on the back.
So, here are some handy tips:
Headlights:
Huracán headlights follow the car body to the left and right, while the headlights on a Gallardo and Murciélago point up towards the windscreen. The Aventador is a mixture of both, and they look a bit like wings.
Bonnets and badges:
The Aventador and Huracán have their badges on the body of the car, rather than the bonnet flap. Those flaps have straight edges on the Gallardo and Murciélago, while they have a curve to accommodate the badge on Huracáns and Aventadors.
Front air intakes:
The air intakes on the front of a Huracán, Aventador and Gallardo look very similar, all looking like they're growling at you: the difference lies in the body, which curves down on the Aventador and Gallardo's middle to look like a lippy, shark-like overbite.The Murciélago has this overbite too, but the intakes are square.
Side air intakes:
The side air intakes are the big giveaway, as each Lamborghini model has different shapes as the design has evolved. Triangular and close to the ground makes a Huracán, square-ish and on the ground is a Murciélago, an upright slit is a Gallardo and 'big enough to fit a backpack' is an Aventador.
How can you tell which Lamborghini it is from the back/rear?
Likely as not, you're not going to see the Lamborghini until it's already passing you by. Thankfully there are still some unique features you can pick out as they shrink to a speck in the distance.
Exhausts:
The Murciélago and Aventador have exhausts in the middle, though the Aventador has a unique HDMI-port shape (some later Murciélagos have a similar shape. Check the lights!).
Both the Huracán and Gallardo have two exhausts on either side, where the Huracán's sit at an angle and the Gallardo's sit in a straight line.
Lights:
The Huracán has slim lights sitting on a black strip, while the Gallardo's are square and on top of black squares. The Murciélago's are similar, though they're a lot more rounded and not dissimilar from what your own car's front headlights might look like.
If you see the Aventador stopped you'll recognise those brake lights anywhere – sideways 'Y's – though some more modern Gallardos have them too. Check the exhausts!
Once you've stopped admiring their curves, look out for some sticky-out hips. The Gallardo is the only Lamborghini where the body 'sticks out' from the rear bumper (just look at the picture to see what we mean), though there's hints of it on the Aventador. Also, the Aventador has a massive dip in the roof, which should be easy to spot.
How can you tell which Lamborghini it is from the price tag?
Of course, just spotting a Lamborghini is just part of the fun – the other half is guessing how many years you'd have to work before you can afford one!
Using actual values from Auto Trader (i.e. if you had the money you could buy one at that price today) and some complicated maths (who remembers how to calculate the mean?), we've got the lowdown on what these beauties are worth.
(We're also ignoring variables like colour, after-market add-ons and mileage. We're an experience company, not scientists)
How much is a Lamborghini Huracán worth?
Roughly £183,710 for an LP610-4. You could get 1,000 model Huracáns for that.
How much is a Lamborghini Gallardo worth?
Around £104,334, for a coupe or 'spyder' (open-top). That's 326 LEGO Gallardos.
How much is a Lamborghini Aventador worth?
According to the average, £270,330 for an LP700. The average price of a house in Southampton.
How much is a Lamborghini Murciélago worth?
£138,984 for an LP640, £355,054 for an LP670. You don't want to get those two mixed up if it's your life savings on the line!
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Ramadan is the month of abstinence and sacrifice. You spend 30 days without food and water from the wee hours of mornings to late evenings. This can make your workout regimen and diet go rather haywire. Since nutrition is a big part of any fitness plan, it becomes crucial to watch what you eat and when you eat during Ramadan.
One of the biggest concerns for gym-goers who fast is losing too much muscle mass. And for those following a diet, gaining extra kilos due to unhealthy eating practices. But, by being mindful of your health, you can avoid both these phenomena.
When you're fasting, you lack your usual energy levels. As a result, you might want to take a break from working out. But without exercising for a month, you will begin to lose the gains you've made and hamper your fitness level. That's why it's vital to continue working out even during Ramadan.
While it's true that you need to work out regularly, your body won't be able to recover as quickly as it normally does. This is because you may not get the nourishment it needs at the right time. Moreover, engaging in high-intensity workouts will cause complications like muscle injuries, low blood pressure, and dizziness. So, lower the intensity of your workouts by lifting lighter weights and sticking to walking or cycling for cardio.
These will be the times when your carbohydrate reserves will be relatively higher. Make sure that you exercise for at least 30 minutes if you're working out before meals. And, wait for 2-3 hours to help your food digest if you choose to do it after.
It is very tempting to feast on kebabs, cutlets, and other fried delicacies after spending the day without food. But, like any other time of the year, eating a well-balanced meal is crucial to be fit. Eat foods rich in protein, carbs, and good fats while keeping fried food to a minimum.
Watching what you eat is just as important as how much you eat. When you don't consume anything for around 15 hours, you may feel that you need to make up for it. However, calories tend to add up fast and you may end up eating more than you normally do and gain weight.
Also, ensure that you don't consume excess sugar as it only adds empty calories. Moreover, a sudden rise in blood sugar will cause a surge in your insulin levels. This will deplete your glycose levels and make you feel weak and sluggish.
Thirst is the best reminder for drinking water. But, during Ramadan, you can't drink whenever you feel thirsty. That's why you need to fulfill your body's fluid requirements beforehand. Although, make sure that you don't drink too much at once.
If you consume 2 litres of water in a day, try to maintain that amount by drinking at different intervals. Keep a bottle of water next to the bed so you can hydrate yourself if you wake up during the night. You can also consider drinking coconut water to replenish electrolytes.
With these tips, I hope you can maintain your fitness level this Ramadan.


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Buhari Vows To Install CCTVs On Highways To Check Crime
By Lucky Best Ogbes Last updated Aug 24, 2019
President Muhammadu Buhari has made known his intention to install closed-circuit televisions (CCTVs) on highways and other strategic locations so that activities in some hidden places can be effectively monitored.
He stated this when he received traditional rulers from the north led by Muhammadu Sa'ad Abubakar III, sultan of Sokoto, at the presidential villa, Abuja.
Buhari said the entire structure of the police is being overhauled so that the force can meet the rising challenges across the nation.
"I have decided to meet with Your Highnesses to assure you that government is determined to tackle and deal decisively with all security challenges facing us as a nation," he said.
"This consultation, therefore, is to engage you, our royal fathers, so that, collectively, we can arrive at solutions to any and all security problems in the country.
"We must all play our part to finally address these security challenges, particularly traditional rulers, in your respective communities, where you feel the pulse of the people, being the closest to the populace at the grassroots level."
Buhari asked the traditional rulers to provide more support to security agencies with their versatile knowledge of communities and individuals.
"These policies and programmes include a robust revamping of police intelligence gathering capacity and the significant boosting of the numbers of security personnel in our local communities. This in specific terms will include recruiting more police officers and doing so whenever possible from their local government areas, where they would then be stationed in the best traditions of policing worldwide," he said.
"Working with the State governments also, we intend to improve the equipping of the police force with advanced technology and equipment that can facilitate their work. To drive this, I recently created a full-fledged Ministry of Police Affairs.
"As I said during my meeting with the Traditional Rulers from the South-West, directives have been issued to the appropriate federal authorities to speedily approve licensing for States requesting the use of drones to monitor forests and other criminal hideouts."
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Properties that are close to the the freeway and Gosford CBD will always show strength in any market conditions. Central Coast suburb, Narara has experienced some fantastic gains over the past couple of years. According to RP Data capital growth of the median house prices were up by a healthy 6.9%. In the last 6 months the median unit price for Narara have grown by 9.3%.
Narara is located 3km from Gosford's central business district with a population of approximately 8000 people. The suburb is mostly residential but also holds Narara railway station on the Central Coast & Newcastle Line. It is the home of Narara Valley High School, a NSW government public high school, and St Philips Christian College Gosford (formerly Gosford Christian College), a private Christian institution educating from kindergarten to year twelve.
The types of properties the suburb includes are red-brick 3-4 bedroom homes on decent sized blocks, 1970's apartment apartment blocks and more recently newly built townhouses and villas. Narara is very popular with all types of families, young couples and single income earners. Being so close to the freeway and located on the Sydney train line, commuters also find living in the suburb convenient.
With a current comfortable median house purchase price of $550,000 and a median unit purchase price of $432,000, Narara is a location within the Central Coast that is of increasingly high demand. Capital growth increasing at a strong rate in recent statistics and only set to continue moving up the ladder in a very stabilised manner in the coming 6-12 months.
According to information supplied by realestate.com.au the market is in so much demand, there has reportedly been 2014 property visits compared to the NSW average of 772 over the past 12 months. 28.1% of tenants in the area of Narara are older couples and families closely followed by established couples and families at 19.7%. Just behind them are maturing couples and families with a solid 11.3% giving the market confidence in finding a very settled and stable tenant to occupy the property with a reduced amount of time between occupancies.
A purchase by CEO Zah Azmi in Narara has claimed Luxland a three-bedroom, brick and tile home for $435,000. One Agency Wyoming's Anthony Catalano has since appraised the property – located at 19 Adam Street, Narara – for $650,000. Luxland have decided to keep the asset and rent the property out for $540 per week accordingly.
Cosmetic renovations on the property included contemporary bathroom and kitchen features, with the cost totalling approximately $50,000. The assets position – placed in a quiet street, with amenities within a short distance – allows the location do most of the heavy lifting, especially due to the recent Central Coast housing boom – sentiments that are echoed by Anthony.
"You can almost guarantee to make a profit from a bread-and-butter property like 19 Adam St, Narara. It's made of brick and tile, in a central location, on a decent sized block and part of a strong seller's market.And with a huge amount of infrastructure being put in place within the Central Coast, you can definitely see why the demand is so high right now to enter the market now before the Sydney wave of inflated prices takes a hold of it's next-door neighbour." Anthony Catalano.
Other capital growth suburbs on The Central Coast picked by Azmi include houses in Wyoming, which is also located on the other side of the train line from Narara and apartments in Gosford which is part of The Central Coast Local Government Area. "There is a lot happening on The Central Coast over the next decade, as Newcastle sets to expand through its infrastructure projects, and Sydney's population continues to increase by approximately 2000 people per week. It is evident that the ripple effect has started to take place as property prices are already showing strong signs of growth." says Azmi.


I started fishing at the tender age of 5. My first catch was a yellowfin croaker off Davey's Locker pier in Newport, CA. The first book I ever purchased was a book on California salt water fish at a book store on Balboa Island. My love for fishing continues, but I've never developed the skill I hoped to. I look forward to learning from the veterans on MeandMyFish to help me better my game and teach me the fine art of sport fishing.
Welcome to MeAndMyFish.com! I hope you and your fish enjoy!
Thanks dude, too bad I didn't catch a stinkin' fish that day!
Guppy Cannot wait to fish with you soon. Is the AZusa fishing year round??


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If you would like to post information about a job, fellowship, or related professional opportunity, please contact Amy McIntyre, the ASLE Managing Director, at [email protected]. Listings are free of charge and will be posted if they are suitably relevant to ASLE members and constituents.
Other resources you might want to consult:
Chronicle of Higher Education Jobs
MLA Job Information List
National Humanities Center Fellowships
North American Association for Environmental Education (NAAEE) Jobs Search
Orion Grassroots Jobsource
Rachel Carson Center (Munich, Germany) Fellowships
Review of applications will commence January 16, 2021 and continue until the position is filled. The School of Design + Construction (SDC) at Washington State University invites applications for a tenure track Assistant Professor in Social Justice in the Built Environment. Part of a University system-wide cluster hire initiative in Racism and Social Inequality in the Americas, this position will join an initial cohort of five new hires and existing faculty to build a network of scholars who are committed to conducting research on racism, ethnicity, social and environmental justice, power, and structures of inequality in their diverse fields of specialization. The position in the SDC will bring a diverse, interdisciplinary, and publicly engaged lens to broad issues of systemic injustices within the built environment.
Historically, land-use policies, cities, landscapes, buildings and interior spaces have been designed inequitably. Racism and discrimination in planning is steeped in systems of power/colonialism in the Americas dating back to the fifteenth century. Further, economically challenged communities in rural areas, especially in farming communities, have not had balanced representation and continue to be politically and spatially marginalized. The design of our neighborhoods, homes, retail and commercial spaces and university institutions reflect systemic gender, race, and orientation inequality. Within urban and rural contexts there is inequitable access to public amenities, services, and open space. Climate change, environmental degradation and the pandemic disproportionally affect underrepresented communities.
We seek a scholar that can help transform how the School of Design + Construction addresses racism and social justice in the built environment. The candidate is expected to partner with units across the WSU system toward broadly transforming the institution. The candidate will also work across disciplines throughout the University to build new curricula, foster and conduct interdisciplinary research and teaching, and engage with communities. The new SDC faculty member will join colleagues in the School who value collaboration, civic engagement, and interdisciplinary approaches to scholarship and teaching. The School encourages community outreach as one of the many modes of engaged scholarship. For example, the Rural Communities Design Initiative (RCDI), housed in the SDC, is a rural outreach program in which faculty and students serve underrepresented communities throughout the Northwest with urban design and community organization services. Also, faculty in the school deliver courses on social equity in housing and homelessness, design as advocacy, design and discrimination, and empathetic space design. Additionally, several faculty research and engage issues pertaining to social and environmental justice. We seek a faculty member to strengthen this important work.
Read more and apply. For questions about the position contact: Professor Jolie Kaytes, Search Committee Chair, Email: [email protected]
Review of Applications Begins January 25, 2021. Portland State University Cluster Hire. The School of Gender Race and Nations and its Departments of Black Studies, Chicano/Latino Studies, Indigenous Nations Studies, and Women, Gender, and Sexuality Studies are seeking applicants for five tenure-track positions, one director position, and one non-tenure track teaching position as part of a nationally-focused cluster hire. We are building a community of scholars: these cluster hires will work in multiple departments that comprise a single school for whom a major focus is critical thought and activism. Successful candidates will contribute to our growing graduate program in the School of Gender, Race and Nations, and teach undergraduate and graduate courses in their areas of specialty. Our curriculum welcomes students from across the university, focusing on Black, Indigenous, Chicanx/Latinx, People of Color, and LGBTQ students, with a pedagogical attunement to the retention and success of first-generation students. Read more and apply.
Deadline for Applications: February 1, 2021. The University of Montana Environmental Studies Program (EVST) invites applications for a tenure-track position at the rank of Assistant Professor in environmental writing to commence autumn, 2021. EVST is interdisciplinary and known nationally for its engagement-oriented Master of Science (MS) graduate program, now in its fiftieth year. EVST initiated an undergraduate Bachelor of Arts (BA) in 1999, and added a Bachelor of Sciences (BS) in Sustainability Science and Practice in 2020. This position would be teaching and mentoring both undergraduate and graduate students, as well as directing EVST's focus area on Environmental Writing. Read more and apply.
Application Deadline: January 1, 2021, 11:59 p.m. EST. The Princeton-Mellon Initiative in Architecture, Urbanism, and the Humanities is an interdisciplinary program supported by the Andrew W. Mellon Foundation that combines the efforts of a diverse group of faculty, programs, and schools to develop a dynamic understanding of urban issues past, present, and future. Its theme, Cities on the Edge, encompass several interrelated concepts, including the juncture of built/natural environmental studies, center/periphery, hemispheric comparatives, migration, New Jersey urbanism, social justice, the humanities as a force of change, and the margin as a place of radical possibility. Additional information about the Princeton-Mellon's themes and program may be found at https://arc-hum.princeton.edu/.
We seek to hire Mellon Fellows with an abiding interest in multi-disciplinary work focused on the intersection of architecture, urbanism, and the humanities. Candidates can come from any discipline. They may be academics, designers, and/or practicing writers or artists. The individual may teach or team-teach an interdisciplinary course on some aspect of urbanism (contingent upon sufficient enrollments and approval from the Dean of the Faculty) and participate in Princeton-Mellon Initiative events. Fields of specialization might include (but are not limited to) the humanistic dimensions of architecture, architectural history, design, urban planning, public policy, urban studies, environmental studies, science and technology studies, geography, history, philosophy, art history, material culture, politics, sociology, anthropology, literature, religion, cultural studies, queer studies, race and ethnicity studies, gender studies, performance studies, visual arts, documentary studies, photography, and creative writing. Fellows may focus on any geographic area.
We will accept applications from those who have earned a Ph.D. in any discipline (or those who expect to earn their doctorate before September 2021), or a terminal Master's degree in architecture, planning, or related practice discipline. Applicants must apply online and submit a cover letter, vita, 500-word description of a proposed course (uploaded under "Teaching Statement"), brief (chapter or article-length) single-authored writing sample, 1,000-word description of a research project, and contact information for three references by January 1, 2021, 11:59 p.m. EST for full consideration. Letters of recommendation will be requested for a smaller group of applicants at a later date.
The Mellon Fellow will receive up to $75,000 for a 12-month appointment with an anticipated start date of on or about September 1, 2021, plus benefits. On rare occasions, appointments for less than twelve months will be considered. One need not be a U.S. citizen to apply. Appointment rank will be determined based on the applicant's qualifications at the time of appointment. This position is subject to the University's background check policy.
Those seeking a postdoctoral (or post-terminal degree) fellowship should apply to https://www.princeton.edu/acad-positions/position/17901.
Applicants seeking a visiting position (for a sabbatical year, etc.) please apply to https://www.princeton.edu/acad-positions/position/17883. Typical candidates hold primary positions at other universities or colleges. In exceptional cases we consider applications from independent scholars.
For inquiries, including for which version of the job listing to use, please contact Aaron Shkuda (ash…@princeton.edu).
Applications are due Monday, January 4, 2021. Clements Center for Southwest Studies at SMU Postdoctoral Fellowships. For nearly a quarter-century, the William P. Clements Center for Southwest Studies at Southern Methodist University has promoted research, publishing, teaching, and public programming in a variety of fields of inquiry related to Texas, the American Southwest, and the U.S.-Mexico borderlands. Central to our mission is the annual sponsorship of four postdoctoral fellows, and we are thus pleased to announce the competition for our 2021-22 cohort. Please see the descriptions below, while noting two major changes from past application cycles:
We will now support work on California in all periods (not only to 1850)
Our senior fellowship is now open to applicants (and no longer awarded by invitation)
The Bill & Rita Clements Senior Fellowship for the Study of Southwestern America, funded by an anonymous donor in memory of Bill & Rita Clements, supports work on Texas, the Southwest, or the U.S.-Mexico borderlands by an established scholar developing a second (or third &c.) book.
The David J. Weber Fellowship for the Study of Southwestern America, funded by the late Bill & Rita Clements as well as an anonymous donor in memory of David J. Weber, supports work on Texas, the Southwest, or the U.S.-Mexico borderlands by a scholar developing a first book.
The Bill & Rita Clements Fellowships for the Study of Southwestern America, funded by the late Bill & Rita Clements as well as the late Louis Beecherl, support work on Texas, the Southwest, or the U.S.-Mexico borderlands by two scholars developing first books.
To apply, see www.smu.edu/swcenter/fellowships or direct questions for additional information to the Clements Center at [email protected].
Portal reopens for submissions in November, 2020. Bernheim Arboretum & Research Forest Outdoor Arts Fellowships, Clermont, KY. The application process for 2020-2021 will reopen November 2019.
News on Opportunities and Residencies for Writers available in 2020. Each opportunity has its own terms and conditions, so please read the relevant information thoroughly before commencing any applications.


Which of the following is the best definition of analogy?
Question: Which of the following is the best definition of analogy?
The correct answer is: An argument that attempts to establish a logical connection or similarity between two things.


text:
Club Handicap Races
On the last Thursday of every month, except June, July and August, the club holds a handicap race which is open to anyone wishing to take part.
The race starts at 6:30pm from the university playing fields on the Treforest industrial estate and ends on the main road out in front, a full course description with map can be found below.
The race features a staggered start in order of slowest to fastest runners, the timings of when each runner begins is confirmed on the evening. The idea is here that all runners should finish at roughly the same time.
Winners of this race are those who make the biggest improvements from each race to the next, so there is plenty of opportunities for anyone to win to matter what speed they run.
The prize for winning the race is a large club trophy and a small individual keepsake, see the Past Handicap Race Results for previous winners and pictures of the awards.
If you would like to take part in the handicap race then just keep an eye out in our Facebook groups where a post will be added near the time of the next race asking for confirmation for who will be attending. This makes it easier for the organiser to work out each participants starting times before the race start.
The current handicap course starts outside the changing rooms on the playing fields on the Treforest Industrial Estate, you then run down the estate and right through Taffs Well on the main road, then looping in front of Taffs Well train station through the industrial estate until the top of the rise and dropping onto the trail which takes you past Taffs Well Rugby pitch, the trail then takes you all the way back to the Treforest Industrial Estate, you then turn left and run back up the estate finishing at the bus shelter opposite the Pottery pub.
Total Distance: approx 5.25 miles (8.5km)
PR Route – Handicap


Tweaking.com - Windows Repair is a tool designed help fix a large majority of known Windows problems including; registry errors, file permissions, issues with Internet Explorer, Windows Updates, Windows Firewall and more. Malware and poorly installed programs can modify your default settings resulting in your machine working badly - or worse. With Tweaking.com Windows Repair you can restore Windows original settings fixing many of these problems.


text:
package com.vini.mysite.core.dao;

import java.util.List;

import org.springframework.stereotype.Repository;

import com.vini.mysite.core.ec.Question;

@Repository
public class QuestionDaoImpl extends GenericDaoImpl<Question> implements IQuestionDao {

	@SuppressWarnings("unchecked")
	@Override
	public List<Question> findAll() {
		return entityManager.createQuery("FROM Question").getResultList();
	}

}

redpajama_set_name: RedPajamaGithub


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Q: How do i use 32 bit unicode characters in C#? Maybe i dont need 32bit strings but i need to represent 32bit characters
http://www.fileformat.info/info/unicode/char/1f4a9/index.htm
Now i grabbed the symbola font and can see the character when i paste it (in the url or any text areas) so i know i have the font support for it.
But how do i support it in my C#/.NET app?
-edit- i'll add something. When i pasted the said character in my .NET winform app i DO NOT see the character correctly. When pasting it into firefox i do see it correctly. How do i see the characters correctly in my winform apps?

A: I am not sure I understand your question:

*

*Strings in .NET are UTF-16 encoded, and there is nothing you can do about this. If you want to get the UTF-32 version of a string, you will have to convert it into a byte array with the UTF32Encoding class.

*Characters in .NET are thus 16 bits long, and there is nothing you can do about this either. A UTF-32 encoded character can only be represented by a byte array (with 4 items). You can use the UTF32Encoding class for this purpose.

*Every UTF-32 character has an equivalent UTF-16 representation, and vice-versa. So in this context we could only speak of characters, and of their different representations (encodings), UTF-16 being the representation of choice on the .NET platform.

A: You didn't say what exactly do you mean by "support". But there is nothing special you need to do to to work with characters that don't fit into one 16-bit char, unless you do string manipulation. They will just be represented as surrogate pairs, but you shouldn't need to know about that if you treat the string as a whole.
One exception is that some string manipulation methods won't work correctly. For example "\U0001F4A9".Substring(1) will return the second half of the surrogate pair, which is not a valid string.

A: If the question is actually,

How do I put the 'pile of poo' emoji, U+1F4A9, into a C# string literal, given that it needs 32 bits to represent in a UTF-16 code page?

then the answer is:
"\U0001F4A9"

In the C# Interactive window in Visual Studio this shows the following output:

Note the use of the upper case \U escape code. This must be followed by exactly eight hexadecimal digits, unlike \u, which must be followed by exactly four hexadecimal digits. See Unicode Character Escape Sequences in the C# language reference.
Also note that "\U0001F4A9".Length evaluates to 2 because Length always returns the number of sixteen bit characters in the string, not the number of Unicode characters in the string.
When the string is printed out, you should see only one character as long as encoding translation has been performed correctly along the way.
Note, U+1F4A9 was the example emoji linked in the OP's question.

redpajama_set_name: RedPajamaStackExchange


He is survived by five children, including former President George W. Bush and former Florida Gov. Jeb Bush. A sixth child died in early childhood. The late former president also is survived by 14 grandchildren.
"Melania and I join with a grieving Nation to mourn the loss of former President George H.W. Bush, who passed away last night.
"Through his essential authenticity, disarming wit, and unwavering commitment to faith, family, and country, President Bush inspired generations of his fellow Americans to public service — to be, in his words, "a thousand points of light" illuminating the greatness, hope, and opportunity of America to the world."
George H.W. Bush was known for his gentlemanly demeanor, dedication to traditional American values, willingness to take on foreign despots like Iraq's Hussein and Panama's Manuel Noriega, and presiding over the breakup of the Soviet Union.
In childhood, he was nicknamed "have half" for his generosity in offering other youngsters half of whatever he had. After leaving office, he was often referred to as "41" – shorthand for his status as America's 41st president and to distinguish him from his son and fellow president, George W., who was known as "43."
Bush attended Phillips Academy in Andover, Mass. and after graduating on his 18th birthday, he enlisted in the U.S. Navy. He was commissioned that same year, becoming the youngest pilot in the Navy, and flew 58 combat missions in the Pacific. In 1944, he was hit by anti-aircraft fire 600 miles south of Japan but managed to bail out, and was awarded the Distinguished Flying Cross and three Air Medals.
On January 6, 1945, the 20-year-old Bush married 19-year-old Barbara Pierce of Rye, N.Y., whom he had met at a Christmas party three years earlier. They had four sons, George, Jeb, Neil and Marvin, and two daughters, Robin and Dorothy. Robin died of leukemia at age 3.
Following World War II, he enrolled at Yale University, where his first son, George W., was born. Bush graduated Phi Beta Kappa with a degree in economics and was captain of the varsity baseball team.
He and Barbara then moved to Texas where he worked in the oil business and was elected to two terms in the U.S. House of Representatives. After losing a campaign for the Senate in 1970, Bush was appointed to a series of high-level political positions: U.S. Ambassador to the U.N., chairman of the Republican National Committee, Chief of the U.S. Liaison Office in Beijing and Director of the Central Intelligence Agency.
In 1980 he was elected to the first of two terms as Ronald Reagan's vice president and in 1988 was nominated by the Republicans to carry the party's banner, with Sen. Dan Quayle of Indiana as his running mate, in that year's presidential election.
"This is America…a brilliant diversity spread like stars, like a thousand points of light in a broad and peaceful sky," he said in his convention acceptance speech and the "thousand points of light" phrase came to be associated with his administration.
At his Jan. 20, 1989 inauguration following his defeat of Democrat Michael Dukakis, Bush declared "a new breeze is blowing and a world refreshed by freedom seems reborn … the totalitarian era is passing."
And, in fact, the world did dramatically change with the end of the Cold War, the breakup of the Soviet empire and the fall of the Berlin Wall.
But Bush faced new international challenges, as well. In 1989, he sent American troops to Panama to depose that country's leader, Gen. Manuel Noriega, who was returned to the U.S. to stand trial as a drug trafficker. In 1990, he put together a 30-nation coalition to oppose Iraq's invasion of Kuwait and in early 1991 launched Operation Desert Storm, a 100-hour land battle that routed the Iraqi army.
But Bush -- who once famously said "Read my lips: no new taxes" -- was faced with economic discontent at home. Trying to reduce the deficit, he signed a bill to raise taxes and also had to deal with failing savings and loans.
On the judicial front, he made two Supreme Court appointments -- David Souter in 1990 and Clarence Thomas in 1991.
Although occasionally criticized for his lack of eloquence -- such as referring to a focus on the larger picture as "the vision thing" -- Bush's comments also could be endearingly frank.
Referring to his dislike for a particular vegetable, he once said, "I do not like broccoli. And I haven't liked it since I was a little kid and my mother made me eat it. And I'm President of the United States and I'm not going to eat any more broccoli."
Following his defeat by Bill Clinton in the 1992 election, George and Barbara Bush moved to Houston, where he had long maintained a hotel room as his legal address. They also spent time in Kennebunkport, Maine, where the Bush family has long had a waterside home.
He made appearances on behalf of his son, George W., during his administration and in 2005 joined forces with Bill Clinton, the man who defeated him, to help those devastated by Hurricane Katrina and by the Asian tsunami.
""Because you run against each other, that doesn't mean you're enemies," Bush said at the time, summing up his political philosophy. "Politics doesn't have to be uncivil and nasty."
Active until his last years, when his health confined him to a wheelchair, Bush celebrated his 90th birthday jumping out of a helicopter.
More recently, Bush joined the four other living ex-presidents in the fall of 2017 for a concert in Texas to benefit victims of hurricanes Harvey, Irma and Maria.


Written by Tony Millett on 07 November 2017 .
Music lovers strolling between venues at 2016's festival - with official help!An emphasis on younger audiences with a wider selection of music styles - that was the basic recipe for a new style of music festival for the town that Robin Pritchard presented to Marlborough Town Councillors before their meeting on Monday (November 6).
Though not a final decision, the festival may start out under the title "Marlborough Rising". He told marlborough.news: "If we get it right it will put some pride back into Marlborough."
As a former member of the Marlborough International Jazz Festival committee and an experienced event organiser, he knows all about the difficulties of attracting sponsors and getting a good range of top flight artists - a chicken-and-egg process: "We start with a blank bank balance."
Working with a small team that includes former Jazz Festival organiser Susie Fisher and David Dudley (representing the retailers), they promised to put a more detailed plan to the last Full Council meeting of the year on December 11.
Their motto for the first festival will be "Keep it simple and do it very well first time out."
They are in discussion with Wiltshire Council - specifically about road closures. They have been told quite firmly that the likelihood of closing the High Street during the day is 'at best remote': "Wiltshire Council's mandate is to keep the highways open.".
And if they could close the High Street, as the Town Clerk pointed out, under new rules they would have to pay the day's lost parking at £20 a space.
Robin Pritchard thinks Wiltshire may agree to a closure of the High Street from 5pm on the Saturday evening. He would welcome this as it would help create an atmosphere through the evening and be good for local restaurants.
Pritchard told the story of a visitor stopping him in the High Street on a Jazz Festival Saturday and asking "Where's the jazz festival?" He believes "The festival needs a centre - a heart beat - and The Parade and its approaches provide a natural arena."
Wiltshire Council are broadly in favour of closing The Parade for the festival and the organisers will be talking to the Fire Station and residents about how the closure could be put into effect.
With that as a centre, the Priory Garden marquee and other traditional sites for music would be kept.
With 2018 looming closer, there was some discussion with councillors on the best time of year for the new festival. Robin Pritchard is favouring early September, but one councillor thought sticking to July would be best. He cited a clash in July with MantonFest and has found that top artists are more available at the end of the summer season.
There was a little astonishment when Robin Pritchard said he thought an 80s music theme would bring in the crowds. He quickly reassured councillors that jazz would be central - but he wanted to include, rock, folk and ultimately some classical music.
To encourage local cafés and restaurants to take part, the festival would have a new emphasis on food - that, the involvement of schools and street theatre would change the game plan and encourage younger audiences.


Toon's Tunes : This is, No Reptiles. So don't you be a stranger.
The lyrics are either sheer artistic genius, or something else entirely.
Take a listen. Let me know what you think.
Find out more about Everything Everything on their website, and follow them on Twitter here.


The Barefaced Range has 12 Subranges. Click on any of the following links to view them: Barefaced Obeche, Barefaced Oak, Barefaced Ash, Barefaced Lime, Barefaced Ramin, Barefaced Tulip, Barefaced Pine, Barefaced Pine Stretcher, Barefaced Beech, Barefaced Pine Stretcher Support Bar, Barefaced Pine Stretcher (ah), and Barefaced Lime Slip.
HUGE range of barewood mouldings, including solid oak, ash, lime, ramin, tulip and beech. Very popular with artists, painters and photographers.


We've updated this classic dish while still keeping all the elements that people love: crisp broccoli, juicy chicken, and a tasty Parmesan sauce. By stuffing the chicken breasts we were able to cut down on the overall cheese in the dish while still maximizing flavor. A mixture of low-fat evaporated milk, broth and sherry with a touch of cornstarch makes a creamy sauce that tastes as rich as the full fat version.
Preheat the broiler. Mist a shallow rectangular flameproof baking dish with cooking spray. Bring a medium pot of salted water to a boil. Add the broccoli and cook until bright green and crisp tender, about 5 minutes. Drain well and run under cold water until cold. Drain well again and squeeze dry in paper towels.


Did you know that your credit score could have a significant impact on your mortgage rate regardless of your credit status?
Although you may think your credit is O.K., there may be items on your credit report that are being reported incorrectly or worse yet not yours at all.
It does not matter how good or poor you think your credit is. The credit rating (FICO) score that the credit agencies report is what plays a significant role in determining your mortgage rate. Even as little as 1 point can be the threshold to a better rate.
Let's say you consider your current credit status as being good. Your credit rating (FICO) score is a 688, which reflects your good credit status. However, if your score were a 700 you may be able to get a better rate on your mortgage. The difference can mean saving thousands of dollars over the term of your mortgage. Now let's go one step further. You decide to check your credit reports to see if there are any inconsistencies. When you receive your reports you see an item that you do not recognize. It ends up being an account that belongs to someone else with the same name as you but a different social security number. This is very common. You dispute the item with the reporting agency and it is corrected. Now your credit score is a 702 and may help to qualify you for a better rate.
You should make it a common practice to get copies of your credit reports at least every 3 months. If you live in New Jersey, by law you can request a free copy of your credit report every 90 days. It does however take some time to get inconsistencies corrected. In some cases, it can take several months. You should review them frequently and not wait until you are actually applying for your mortgage to find out that there is a problem on one or more of your credit reports.
Remember you can save thousands of dollars getting a mistake corrected on your credit report.
When you get your reports review them carefully. There will be instructions on how to dispute any items you feel are incorrect.You can also contact us and one of our qualified representatives will be glad to help guide you through the process.


This small nest of tables will be useful to you on sorts of occasions. They are strong and solid but not at all heavy, having been handmade from the finest materials. The wood has a brushed finish which pleases the sense of touch and delights the eye, making this nest the perfect addition to your living room.


The racing championship unveiled its next-generation electric race car that will power the next season.
The vehicle will be unveiled in full on March 6 2018 at the Geneva motor show.
The next-generation car will also come with more flexibility for the racing teams.
Teams are currently limited in the modifications they can do the cars, which they have to change mid-race as the demanding performance depletes the battery packs very quickly, but the next generation is expected to fix that with a new battery pack developed by McLaren and automakers will be able to tweak their own cars.
Those recent changes have apparently convinced several major automakers to join the championship.
Last year, BMW announced plans to enter the Formula E in season 5 with its own team while Audi confirmed that they are taking over the ABT Sportsline team, which they had been sponsoring in prior seasons.
Mercedes-Benz also announced that it will join the Formula E under its own team, but during season 6 in 2018-2019. Nissan is joining Formula E electric car racing starting with 2018-19 season.


These saddle style flesh plugs are machined from solid 316L surgical grade stainless steel and hand polished. They come in a variety of gauges.
These saddle plugs are sold individually, please order two of them for a pair.
Click the button below to add the Polished Stainless Saddle Plug to your wish list.


text:
Georgia embraces municipal broadband development
By Ian Paul
Contributor, PCWorld |
While many states in the U.S. are passing laws that make it tougher for local communities to build their own broadband networks, Georgia has bucked that trend. A bipartisan vote of 70-94 on Thursday defeated House Bill 282 in the Georgia state legislature. The bill would have allowed new municipal broadband networks only in areas where Internet speeds were slower than 3 megabytes per second.
At least 19 states have passed laws restricting municipalities from creating publicly funded broadband networks, according to Internet user rights advocacy group Freepress. Municipal broadband is an important issue for many communities that see high-speed Internet access is as a factor in attracting new businesses. "You cannot get it, you cannot keep it without high speed fiber," Georgia State Rep. Jay Powell, a Republican, told The Atlanta Journal-Constitution, referring to economic opportunities tied to high-speed Internet. The Journal-Constitution first reported the defeat of House 282.
Seeking providers
Underserved communities often complain that larger Internet providers refuse to upgrade their infrastructure in areas where the cost of building the network outweighs potential new revenue. That's what prompted the town of Wilson, North Carolina several years ago to build and operate its own broadband utility, Greenlight, instead of waiting for commercial ISPs to invest in the town's infrastructure. Wilson created Greenlight before North Carolina restricted municipal broadband projects in that state.
It certainly makes sense from an economic point of view for larger companies avoid investing in communities where they can't bring in enough revenue to justify the cost. The problems start when these companies then lobby state legislatures to restrict or shut down competition from publicly funded projects. Georgia's bill, for example, was supported by Arkansas-based ISP Windstream, according to The Wall Street Journal. Companies such as AT&T, Comcast, and Time Warner have lobbied for similar laws in other states, The Journal reported. Companies opposed to local broadband projects argue that publicly owned projects don't have the same financial constraints as private businesses, giving the taxpayer-funded utilities an unfair advantage.
Many times, laws restricting municipal broadband allow exceptions to allow unserved or underserved areas to create their own public networks. But these exceptions sometimes define an underserved area as one where average speeds are around 1.5 to 2 megabits per second or slower. So if a local provider meets those speeds, but declines to upgrade its networks for significantly faster service, local communities may be out of luck.
Despite restrictions in 19 states, about 340 locally-funded broadband projects exist in the United States, according to the Institute for Local Self-Reliance, an advocacy group for local communities. Among the ISLR's 340 projects are 35 communities in ten states that offer 1Gigabit-per-second Internet speeds, similar to Google's Fiber project in Kansas City.
Ian is an independent writer based in Israel who has never met a tech subject he didn't like. He primarily covers Windows, PC and gaming hardware, video and music streaming services, social networks, and browsers. When he's not covering the news he's working on how-to tips for PC users, or tuning his eGPU setup.
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Set Up Fee $35.00 Per Color, Add $0.35 per additional colors.
Custom Printed erasers are a perfect promo item for anywhere that promotes education. The book shaped erasers are perfect for libraries, schools, etc . . .


text:
The Latest Updates on COVID-19
F. LAMAR PRITCHARD UH Dean has Vaccinations in his Blood >
Access Library
Launch Experience
View Virtual Tour of Colleges
UH News Room
UH Today
The Voices of Hurricane Harvey
On Tuesday, Jan. 26, the University of Houston Center for Public History is hosting a live, virtual event with Hurricane Harvey survivors, first responders and volunteers who will share their stories from during and after the historic storm. "Resilient Houston: Documenting Hurricane Harvey" begins at 6 p.m.
Chemicals used in firefighting foam and other products can last for decades in the environment. New research from UH Energy suggests why that happens and new avenues for remediation.
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home // News // From flooding to sick kids and pets, small legal claims show Sandy water crisis had a big impact on residents //
From flooding to sick kids and pets, small legal claims show Sandy water crisis had a big impact on residents
Source: The Salt Lake Tribune | March 11th, 2019 | By Taylor Stevens
Location: United States, Utah
In the wake of Sandy's water contamination crisis, residents fear long-term damage to their children's health, their pets and their homes — and a number are asking the city to pay for their missed wages, medical bills and replacement water filters.
The more than 20 small-damage claims filed with the city after a fluoride pump malfunctioned and flooded parts of the local water system last month were obtained by The Salt Lake Tribune through an open-records request. Together, they add up to more than $3,000, demonstrating the wide-reaching impacts the water incident had on residents in ways big and small.
"The claims kind of fall into different categories," Chase Parker, the city's risk management officer, told the City Council at its meeting last week. "There's claims that have been filed because they missed work due to illness associated with their consumption of this water. There's claims where they've submitted medical bills or veterinarian bills in response to this issue. Other times people have wanted us to replace water filters in their refrigerator."
While experts say fluoride is beneficial in small doses, unsafe levels can cause a number of health issues. Several complainants said they had to take time off work — some for as long as a week — after either they or their children experienced gastrointestinal problems and stomach pains.
"Loss of sleep, inability to concentrate or do physical activity for periods of time because of persistent cough and throat drainage," one person described their symptoms in the complaint. "I am also a recovering cancer patient and hope this does not affect my 1 year diagnosis."
The complainant, who originally appears to have filed a request for $25,000 in damages, looks to have later withdrawn the claim after his or her cough improved.
The city redacted the names of residents filing the claims.
Another complainant — who took a week off work to care for his or her two young children, a 5-year-old and a 6-month-old, after they became sick from the water — is seeking $510 for bodily injury and property damage.
"We had what we thought was a stomach bug and headache for 1 week and didn't know why," the person wrote. "Not knowing the situation and not being aware of it until this weekend is very discouraging. What long-term effects is this going to have on our bodies? I'm just worried and frustrated that I had to miss work for something preventable."
Many Sandy residents have expressed frustration that they were allowed to drink possibly tainted water for a week before they heard about problems with the city's water supply, which began because of a power outage at one of the city's wells on Feb. 6. The city deemed the water safe to drink on Feb. 17.
Anyone who believes they have an injury caused by Sandy can file a claim through an online form on the city's website within one year from the date the incident occurred. The city then has 60 days to approve or deny the claim, after which point a complainant could pursue a case in district court if the case was denied.
"We get claims all the time," said Sandy City Recorder Wendy Downs. "When snowplows hit mailboxes or the mailboxes get knocked over, or when any city property is hit, or if one of our vehicles had hit another vehicle. So we get claims all throughout the year. It's kind of a little bit of everything."
Sandy receives an average of 50 claims a year and pays out an average $278,617 annually, Parker told the council during a presentation to the City Council on Tuesday. A total 1,015 claims have been filed against Sandy since 1999, and the city has paid out $5,572,342 since that time. The claims, Parker said, are rarely adversarial.
"We've had a very cooperative relationship with these people," he said, speaking to claims generally. "They've been harmed and just want to be made whole and think for some reason that the city is at fault. And oftentimes they're right. So we try to process these claims quickly and promptly."
In this case, the city is asking claimants to provide receipts or other documentation, like medical or veterinary bills, to support their claims for damages.
While many of the complaints center around health damages to themselves or their children, several others focus on pets and other animals. One complainant said his or her young labrador started "having multiple seizures" after drinking the water; another sought $115 for the cost of a blood test to determine whether the fluoride had impacted a competitive show horse, which is insured for $25,000. "His health is of utmost importance," the person wrote.
Still others requested money for property damage. One complainant flushed his or her home water system in conjunction with Sandy's instructions, allegedly leading the heater to refill overnight and resulting in an increase in pressure that activated the pressure release valve and pushed water into the basement.
"The water dump flooded our laundry room, a bedroom and hallway soaking the drywall and carpeting," the complaint stated. The person is seeking $300 from the city for a fan purchased for drying the carpets, water lost in the flushing and dumping process and the labor and time spent to deal with the incident.
While some people said they had receipts for extremely specific expenses — like a home fluoride kit, replacement water filters or bottled water — others said they had no way of quantifying the damage and frustration they had gone through.
"How do you put a dollar amount on a health factor that is unknown?" asked one complainant, who was concerned about the potential impacts of the contaminated water on his or her pipes and kids' health. "I don't think we have been given the full truth and therefore don't know the full damage done."
The Sandy City Council has voted to create a technical committee that will investigate the city administration's response to the fluoride pump malfunction. The Utah Department of Environmental Quality has cited the city for the high fluoride levels and is determining if Sandy appropriately reported elevated levels of lead and copper.
Additionally, Sandy has announced its Public Utilities director will be on paid administrative leave as independent investigators look into the city's response to the fluoride pump malfunction.
City Council Chairwoman Kris Nicholl acknowledged that the claims aren't representative of all the people who have been impacted by the water crisis.
And while the impacts have decreased, she said "there are still concerned people about long-term effects, whether it be health [or] long-term effects on their home and that's normal, and I feel for them and I want to get those questions answered for them."
"There's no wiping our hands of it," she continued. "We do have to monitor [the water quality] and monitor all the time and keep in contact with these people."
*Original article online at https://www.sltrib.com/news/politics/2019/03/11/flooding-sick-kids-pets/
** See all reports on the Sandy, Utah, event


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Faustine Reny
October 13, 2016 2 min read Amy Paradysz
R.H. Reny founded what we now think of as "Maine's department store" in 1949. But it's his 32-year-old granddaughter, Faustine Reny, who today leads 550 employees at 17 Renys Department Stores throughout Maine—as far south Wells, as far north as Dexter and as far Down East as Ellsworth.
"Renys has always been about finding a really good value," Faustine says. "We can compete with the big guys because we understand what a person here needs and wants."
Her earliest memories of the store were of—not so surprisingly—the toy aisles. Her first job was as a receptionist—at Renys, of course. And, after almost a decade in Boston, where she earned bachelor's and master's degrees in accounting, she came home to Renys headquarters in Newcastle in 2009.
While her cousin, Adam Reny, found his niche as a buyer, Faustine found hers in overseeing human resources and finance. She supervised the new store opening in downtown Portland in 2011, followed a few months later by the new store in Topsham. This year, Faustine and Adam led the store opening in Windham.
"We all wear a lot of different hats," she says. "Even though we're a large company now, we're still small operations-wise."
After Boston, she was surprised by how many people in Maine wanted to call on the phone or have sit-down meetings rather than emailing.
"But now I even find myself saying, you need to stop by," she says. "It's about courtesy. … Our average tenure in retail is 10 years, which is unheard of in other retail stores, and we have many employees who have been here 20 or 25 years. I don't know what the magic is, but they really liked knowing my grandfather, and my father and my uncle, and now me and Adam, and knowing they're working for a Maine company."
And now many also know Faustine's 21-month-old daughter, Cordelia, who is in awe of the toy aisles.
Amy Paradysz is a writer, editor and photographer who lives in Scarborough.
Amy Paradysz
https://www.mainewomenmagazine.com/author/aparadysz/
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Debbie Harris from Deb's World is one of my closest blogging friends. A fellow Aussie, we live in different States but in January we were fortunate enough to meet in real life and it was like meeting someone I had know all my life.
The one thing I admire about Deb is her sense of adventure, spontaneity and giving things a go. Ok, that is three things but anyway, when I asked Deb what keeps her Active After 50 she didn't disappoint with her answer.
Thanks to Sue for the invitation to write a guest post for #ActiveApril.
In some ways I feel I'm not qualified to write this because I've just had one of the laziest weekends in history! It's turned wet, cold and miserable and it's actually snowing nearby – yes this is Australia in Autumn! And I've succumbed to staying indoors with a blanket over my knees with a cup of tea and a good book.
But then again, I've listened to my body, I felt tired and needed a rest, so I settled in with a good book and did just that, I rested.
I'm getting better at listening to my body as I age.
Normally I'm quite active, rarely sitting still for too long, I love walking in the forest every day, I enjoy riding my bike when the mood takes me, I join in with activities like fun runs, ParkRuns, Run Melbourne, Mother's Day Classic and in summer I enjoy Aqua Aerobics (AA) sessions.
Just last week some friends suggested a night away to Myrtleford, a town in Victoria, on the Murray to the Mountains Rail Trail as a spontaneous getaway. We packed the cars, the bikes and some food and off we went. We did an easy 10kms around Myrtleford upon arrival, and the autumn afternoon light and sunset was magnificent. The next day we cycled into Bright and returned to Myrtleford which was approx. 60km and loved every minute of it. The joy of being in the fresh crisp air, seeing the sights along the way such as fields of sunflowers, chatting to other riders when we stopped for a break, using muscles and feeling alive – there's nothing better!
I love taking adventurous holidays where my husband and I go bike riding on a Bike and Barge tour in France, or Amsterdam or Croatia. We enjoy visiting other areas of Australia, where we can ride our bikes on Rail Trails or bike paths taking in the sights in a gentle but active way – rather than seeing it from the car as we drive by. We've walked in the Himalayas in Nepal, and in the jungles of Papua New Guinea along the Kokoda Track. Until our daughter's wedding in Fiji in 2017, we'd never been on a holiday where you just sit by the pool in a resort or on the beach relaxing – it's always been a far more active type of holiday. We still managed to go snorkelling, kayaking and swimming!
Since the pool in town has closed for the season, and AA is done and dusted for a while, I am turning to the gentle art of Chiball, which is offered weekly at my local gym. I was first introduced to Chiball a few years ago and have only just become reacquainted with it on a more regular basis.
Chiball isn't all that well known, so I asked Carmen, who runs the classes (and the gym) some questions in order to get the explanations right. Here are my questions and Carmen's responses. Thanks to Carmen for answering my questions.
How would you explain Chiball?
Chiball is a one-hour class that includes Thai chi, dance, yoga, Pilates and relaxation to music with the use of a ball.
Chiball increases flexibility and strength, improves cardiovascular health, releases endorphins with in turn reduces stress, and low mood states, improves sleep and plenty more.
What are some of the moves called?
Each season has a different set of moves based on the meridian and organs we are wishing to focus on so some of the current moves are "sunset/sunrise" "breeze" "butterfly" "circle the moon/sun" "mistral" "open the door".
What do the colour and scents on the balls mean?
Aromatherapy, Colour Therapy and Chinese medicine are a heavy basis on the class. Each Chiball is tied to an energy phase from the yin yang energy cycle and represents one of the five elements – Wood, Fire, Earth, Metal and Water. Each of the elements has yin and yang associations and each of the ten ChiBalls represent the yin or yang of each of the five elements.
Autumn is about lungs what are the other seasons involved?
Autumn is the lungs and large intestines, and the linked emotion is grief.
Liver and Gall Bladder in Spring, Bladder and Kidneys in Winter. We actually have 5 seasons – we also have High Summer unlike the 4 seasons we are used to.
Where did chi ball originate?
ChiBall was founded in Australia in 1997 and being taught worldwide, since 1998.
Is there anything else you'd like to say about Chi Ball?
Chiball is suitable for elderly or immobile people with the "Gentle Moves" classes and can even be done in a chair. There are also other classes such as "Fire Moves" "Dance of the Dragon" which is very intense and can be quite advanced. A fabulous mix of exercises really beneficial for the whole body.
Have you heard of or tried ChiBall? What do you to keep active and feel alive?
Debbie is an award winning Australian midlife, travel, adventure and lifestyle blogger who has a smile named after her – the 'Debbie Smile'.
A young retiree, after being made redundant from her 22 year career of managing educational programs for inmates in a men's correctional centre, she thought she'd have loads more time for reading, cycling, blogging and travelling, but she's discovering that life is busier than ever! Whether it's book club, movie club, volunteering with Rotary and Rotary Youth Exchange programs or simply catching up with friends, life is never dull when Debbie is around!
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Thanks so much for this Sue, I'm thrilled to be included in Active April. Hopefully this shows others about a different type of exercise and although it sounds gentle it is more active than you think and you feel good after a class.
Happy to learn even more about you, Deb. That Chiball sounds interesting but I can't find anything like it in Florida yet.
No I think it's quite a specialised form of exercise but any of the others like Tai Chi, or pilates would be similar. Thanks for reading and commenting!
Thanks for featuring Debbie here! She and you are among my blogging favs and models of how this blogging thing should be done.
Deb, you are so active! I am in awe!
Hi Nancy, what a lovely comment about our blogs, I'm not sure I've ever been called a 'model' before 🙂 . I'm not active all the time I can assure you but it's true I enjoy doing things a bit different and trying new activities.
Thanks for featuring Debbie here – I've long been in awe of her activity levels and active holidays. I'd heard of chi ball but had no idea what it was about, so thanks!
Thanks Jo, it's good to share so0me new information with Sue's readers. I do enjoy our active lifestyle and as we speak my husband is in PNG walking the Kokoda Track with high school students. it's his 8th trip and we've been helping to train the kids for months to get them fit and ready. It's definitely not a walk in the park!!
Hi, Sue and Debbie – I haven't heard of ChiBall before. I will now take a look to see if I can find a class in my area. It sounds like something that I would love to try. Thank you for introducing it to us!
Well, Chiball sounds like it takes Tai Chi to a whole new level. I love the idea of having nice smells and colours and the names of the moves sound very ethereal and pleasant – almost like you're just in a lovely little Zen place and not really exercising at all – definitely right up my alley!
Thanks Leanne, and guess what? they had an orange ball which smelt of citrus, which I picked of course, then when I was told what it represented, I found it was just perfect for me. Me and orange – we fit together so well 🙂 . It's a very pleasant activity which I recommend and I really would like to do Tai Chi one day too.
Yes I'm with you SSG I do quite a bit of high intensity and cardio but yoga is my lower impact. Chi Ball might be a great alternative to try.
Had never heard of chiball. It sounds interesting. I'm so unfit I'd probably deflate the ball LOL!
You make me laugh Ness! Have a great week.
Haha!! The balls are small soft inflatable balls and we actually have to let air out of them for some exercises 🙂 . It's a nice gentle, but still useful, workout.
Very interesting, Deb! I have never heard of Chiball but it sounds like a good way to stretch, tone and relax. Thanks for helping me learn something new today!
It sounds fun as well Candi and I like to try new things. I think there is a class where I'm moving to so I might give ChiBall a try.
Thanks for your lovely comment Miriam! I am inspired by so many women and you are among them. I can tell you that it was great meeting up with Sue and she is one dynamic woman and so genuine in all she says and does. I always enjoy this side of blogging where we can connect with like minded souls.
Always learning something new from you Debbie (and Sue) and today is no exception. Good on you for your adventures and your very active lifestyle…and equally good on you for rest up days! Important to have the balance…as they say!
Thank you for linking up for #lifethisweek. Next week's optional prompt is Easter Means This. 16/51 #LifeThisWeek. 41/2019. Hope to see you there!
Thanks Denyse, I always enjoy meeting up with new people and you've been inspirational in sharing your stories too. Isn't it good when when we learn something new from others? Being active is good for us but as you say, knowing when to rest is just as important. I'm learning to listen to my body far more than I have in the past.