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Prices rocket and buyers get FOMO - should you jump in or hope for a downturn?
Low borrowing costs have helped many Australians add to their investment portfolios over the pandemic. Photo: Shutterstock
To understand what is happening to Australian house prices, it is important not to view Australia in isolation, but to also understand the global trends currently affecting world real estate.
The pandemic has affected every person in the world and has affected every business and industry, and real estate is no exception.
Property is probably the biggest business in the world. By one estimate, construction, the buying, selling, and renting of properties, and the imputed benefits to owner-occupier's account for around 15 per cent of rich countries' GDP.
Property also makes up around two-thirds of the tangible capital stock in most economies.
Most important of all, property is by far the world's biggest single asset class. Investors have much more money tied up in property than in shares or bonds.
What is happening in Australia is also happening in Canada, the United Kingdom, the United States, and many other western and developed countries.
Pandemic fuels broadest global house price boom in two decades
In 2020, analysts and economists were expecting terrible things for global real estate markets.
As we all know, the coronavirus pandemic had sent large parts of the world into lockdown, shutting businesses, costing millions of jobs, and putting the housing market into a deep freeze.
The number of people asking lenders for more time on their mortgage payments surged as the global recession hit.
The fear was that house prices would collapse.
An increase in bankruptcies and unemployment would squeeze disposable incomes and make it difficult for highly indebted homeowners to keep up with their mortgages.
"Actually, none of that happened," said Kate Everett-Allen, the head of international residential research at consultancy Knight Frank.
In fact, it proved to be the opposite.
The COVID effect
In an unexpected twist, the pandemic has benefited house prices.
"There are many reasons, but a contributory factor to rising house prices globally has been the mass reassessment of housing needs in the wake of the pandemic, whether that's been buyers seeking home offices, gardens or just to be closer to wide-open spaces," added Ms Everett-Alle.
With so many people having to work from home, they realised their home is their sanctuary, and they needed more or bigger space, home offices, and better design.
Governments around the world helped homeowners by temporarily banning repossessions and providing trillions of dollars of support for workers and businesses.
Interest rate cuts kept mortgage repayments affordable in many places, while temporary reductions to purchase taxes in some markets spurred home buying.
A freeze on repayments greatly helped many
Apartment complexes like Build to Rent projects around the world have seen huge increases in occupancy, with younger tenants especially appreciating the social interaction such complexes bring, compared to standard apartment buildings.
Across advanced economies, interest rates began to fall sharply during the global financial crisis and have remained at low levels through the 2010s.
These measures cushioned the housing market from the coronavirus recession, but the pandemic itself has actually turbocharged prices.
"If you lock up the vast majority of the population for months, they [rapidly reassess] what they want from their homes," said Richard Donnell, research director at UK property platform Zoopla.
As people were forced to transform houses into offices and classrooms, it didn't take long for a "race for space" to take hold.
Globally, many house markets appear to be on a non-stop upward march.
Annual house price growth across the OECD group of rich nations hit 9.4 percent — its fastest pace for 30 years — in the first quarter of 2021, as economies rebounded from severe coronavirus-triggered recessions.
Soaring real estate prices can have serious economic consequences, but the market incentives that drove them there aren't likely to go away overnight – even when the pandemic panic subsides.
Why are Australian house prices rising?
Like many other countries, extremely accommodating financial conditions with record-low interest rates has helped boost house prices at an unusually fast pace during a period of weak economic activity.
Low borrowing costs make house purchases more affordable relative to rent and to other investments.
With mortgage rates at all-time record lows, more people decided to move house, upgrade to a bigger property, or move to quieter places, following long hours spent at home during the lockdown.
Low interest rates, government grants, Covid working-from-home arrangements, and solid job security have translated to strong demand for homes.
The Reserve Bank has also indicated that rates are unlikely to rise until 2024, further underpinning the desire to borrow to buy property.
At the same time that demand for homes has been super-strong, Covid-19 has been a key factor restricting the supply of homes on the market.
The situation has been amplified by lack of new supply and increasing building prices.
Even the much-maligned high-rise apartment market in Australia has seen plummeting new permits and building approvals.
This sector, much against common belief, is the smallest segment of Australian housing.
Many Australians have moved out of the cities and suburbs to coastal and country towns, causing prices to escalate and rental property to have full occupancy.
Some wealthy individuals in Australia have fled the capital cities for larger country homes with more outdoor space in the anticipation that they won't need to commute into their city offices as much even after the pandemic ends.
In addition, many households, particularly those that were already better off, are financially in a better position than they were before the pandemic hit, since they've spent less on travel (both overseas and interstate), entertaining, vacations and eating out, and have accumulated large savings since the start of the pandemic.
A lot of this additional income has been allocated to the housing market.
People rushed into property markets that were already busy with pent-up demand from households that had postponed moves.
And as prices started rising, even more money flowed in.
Potential vendors have been reluctant to list properties until there is greater certainty on lockdowns, health orders, and general mobility restrictions.
The end result is that home prices have been soaring – recording the fastest annual growth rate in 32 years.
One buyer our company knows used to take his family to Europe each summer.
With the borders closed, he kept his luxury Sydney mansion, and purchased a multimillion-dollar country spread, and had the family stay over the summer instead.
API Contributor Michael Bentley is an award winning real estate agent with more than three decades' worth of high-level property experience.
API Contributor
Michael Bentley, City Life International Realty, Property Investor, Investing in Property, Investment Strategy, Property Investment Strategy
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How to Save the Future of Skiing: Let Kids Ski For Free
By Megan Barber@megcbarber Oct 27, 2014, 6:43pm EDT
Each winter, there are doom and gloom reports in the media about the death of skiing, snowboarding, and the "end of times" for people who love snow. And while overall the ski industry is fairly profitable, there are some concerns. Day lift ticket prices are up, there are fewer ski resorts in operation, and global warming may pose a serious threat to the future of our mountains. But perhaps the biggest problem is that the people who love to ski are getting older. As Mark Fisher from Unofficial Alpine writes, "the Boomer generation is getting out of the sport much more quickly than Generation X and Y are entering the sport." And while we can talk all day about why this is happening (and Fisher has started a great conversation on the issue), Curbed Ski has the solution for what could save the ski industry: let kids ski for free.
According to the National Ski Areas Association (NSAA), the skier and snowboarder population, as a whole, is aging. And while national skier visits are holding relatively steady (the 2013-2014 season saw 56.5 million visits), there are some worries that not enough youths are being introduced each season to "refill the pipeline" as older participants age out of snowsports. NSAA's annual demographic study for 2013/2014 notes that the ski industry's aging visitor base may be slowing slightly, but there are still fewer kids under 18 years old skiing or snowboarding then there were 10 years ago.
This trend is especially troubling because for the past ten years, ski area visitation has remained relatively stable. NSAA's Kottke National End of Season report shows that except for the Pacific Southwest, there aren't any downward trends in visitation since the winter of 2004/2005. Sure, some regions have had seasons with fewer skiers, but weather is usually the most important factor in determining a ski area's numbers. When there is snow, people ski.
So why aren't more kids heading to the hills? Some people blame the gentrification of the ski world, the loss of local ski hills, and the increasing costs associated with lift tickets, gear rentals, and lodging. Looking at the data of who skied in 2013/2014, 56% of visitors earned over $100,000, and only 19% earned less than $50,000. And perhaps even more worrisome is the continued lack of diversity in snowsports, with minorities encompassing only 13.1% of skiers or snowboarders in 2013/2014, despite making up an estimated 37% of the US population. What does this all mean? For the ski industry to thrive in the future, we need more skiers and snowboarders from all tax brackets and neighborhoods to fall in love with the mountains.
We propose that the larger ski resorts offer free skiing to kids under 12. Young skiers and snowboarders become lifelong skiers and snowboarders. It's easier to learn when you're young, it hurts less, you make friends faster, and it's just a lot more fun. A "kids ski free" policy also infuses the industry with a whole new generation of gear buyers, gear renters, and healthy outdoor enthusiasts.
Some programs today foster youth skiing. In the snow-loving states of Colorado, Utah, and the Northeast (although California is noticeably lacking) there are programs for 5th and 6th graders to ski free or on reduced ski passes. At most big resorts, kids can ski for free if their families have also paid for lodging. But this isn't enough. If Vail Resorts, Powdr Corp, and Boyne Resorts want to ensure their future, they should let kids ski free regardless of whether a family can pay $400 per night for resort-owned lodging.
At the smaller, local ski hills, the ski-free concept isn't as necessary; lift tickets are cheaper and there are many community programs in place that get kids on the mountain. Letting kids ski free might also cut into a local hill's razor-thin profit margins, and the last thing we need is more ski hills shutting down.
The larger ski companies, the Vail Resorts of the world, could likely implement an "all-kids-ski-free" program without crippling their profitability. The program would bring a different kind of skier to the mountains, families who save for their 3-day ski vacation, stay in VRBO lodging, and borrow their friend's gear. It's true that this might be a tough sell for companies ruled by the bottom line. But what better way to invest in the future?
· NSAA [Official Site]
· What It Means To Ski in a Vail-Dominated World [Curbed Ski]
· Why the Death of the Ski Bum Will Ruin Ski Towns Everywhere [Curbed Ski]
· The Snow Lover's Bucket List: 33 Things to Do Before You Die [Curbed Ski]

redpajama_set_name: RedPajamaCommonCrawl


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Gov. LePage wants to dramatically expand drug testing of welfare recipients
By David Sharp, Associated Press
PORTLAND (AP) — Gov. Paul LePage wants to further crack down on drug use by welfare recipients by eliminating food stamps and cash payments to families for recipients with a drug conviction. He also wants to require screenings that could result in drug testing for all participants in the Temporary Assistance for Needy Families program.
Similar efforts by LePage have been turned back by legislators, but the governor believes the public supports his efforts to ensure that welfare dollars are not spent on drugs.
"We have long believed that this is an appropriate path to take to ensure that the benefits are being used to support families on their pathway out of poverty and to ensure appropriate use of taxpayer dollars," said Department of Health and Human Services Commissioner Mary Mayhew.
The bill, which was introduced just months after drug testing began for some welfare recipients, will be aired Monday during a legislative committee hearing.
Rep. Drew Gattine, co-chairman of the Health and Human Services Committee, said he believes the proposals will face still opposition from lawmakers.
"If we want to discourage drug use, there are far better ways to do it. This bill only further stereotypes and scapegoats the poor," said Gattine, D-Westbrook.
In February, the administration began requiring a drug-screening assessment for TANF applicants with felony drug convictions. Those who failed were required to be tested for drugs.
The governor's new proposal would bring the state in line with federal law by prohibiting people from receiving TANF and food stamp benefits if they have a felony drug conviction.
The proposal also would require all recipients of TANF to submit to a drug-screening questionnaire called the Substance Abuse Subtle Screening Inventory, or SASSI, created by researchers in Indiana. Those who fail the screenings would be required to submit to urinalysis.
People under threat of losing TANF benefits after failing a drug test could retain them by entering substance abuse counseling, the administration said.
The maker of the drug-screening assessment, the SASSI Institute, said the tool is intended to screen for substance use disorders and shouldn't be used to deny public assistance or to measure the use of controlled substances.
"When public assistance is made contingent on participation in the assessment and treatment process, it increases the risk for violations of ethical principles and applicants' rights," the institute has said.
Oamshri Amarasingham of the Maine ACLU said the civil liberties group opposes the governor's proposal because it unfairly discriminates against welfare recipients. Similar efforts have been turned back in the past, and a judge found that a Florida program mandating drug tests for all welfare recipients to be unconstitutional.
"These kinds of programs perpetuate that ugly stereotype that poor people are more likely than others to use drugs. That has not proven to be true," she said.
drug testing, food stamps, Maine, Paul LePage, welfare


Although South Africa recorded positive economic growing rates since the debut of democracy in the mid 90 's, The South African Development Indicators show that in 2009, 47.8 per cent of unemployed people were 15-24 old ages of age with a farther 27.6 per cent in the 25-34 old ages of age bracket. That makes up a sum of merely over 75 per cent of the unemployed people ( Development Indicators, 2009 ) . In the South African context, persons that are in the 15-34 age group are regarded as the young person of the state, and individuals within this age bracket are the 1s that are most likely to go the leaders and major wealth manufacturers of the hereafter in the South African economic system.
These young person to adult unemployment rate statistics clearly point out the significant troubles of young person engagement in the labor market. On the one manus, young person unemployment is a demand side job as the figure of occupations created in the economic system is excessively little. On the other manus, young person unemployment is a supply side job because many of immature South Africans lack the appropriate accomplishments, work related capablenesss and higher instruction makings required for a high accomplishments economic system.
It is apparent that this unemployment rate may be decreased by the immature persons who are originative and are able to use their accomplishments together with careful hazard taking that 's associated with get downing up and running a new concern. The aims of this assignment are to mensurate the concealed entrepreneurship of young persons in South Africa and to look into the factors that affect the development of young person entrepreneurship in South Africa. The remainder of the survey is organised as follows.
Economic growing and occupation creative activity is still one of South Africa 's biggest challenges. The South African educational system as such is unable to fit pupils with the combination of accomplishments and practical experience necessary to get down and run a concern successfully. Peoples in the concern community and those associated with entrepreneurship development and preparation are concerned about the relevancy and quality of pupils ' entrepreneurial acquisition experiences ( Kroon et. al 2003 ) . Effective ways need to be found to ease scholars ' passages from school to productive career-orientated employment and finally to an entrepreneurial calling.
The spread between employers ' demands for skilled workers and the accomplishments the young person bring to the labor market has been widening ( Kroon et. al 2003 ) . The passage from the instruction system to the universe of work demands serious attending. Education for fiting entrepreneurial scholars with the much needed economic/entrepreneurial accomplishments should be supplemented with practical experience.
Transforming immature job-seekers into job-makers is considered to be an of import scheme to forestall or relieve poorness. Youth frequently lack the start-up capital and experience to get down their ain concerns, non least because commercial Bankss are loath to supply the comparatively little sums of recognition they need, without collateral or other signifiers of security.
Harmonizing to Sarasvathy, most of the research that is done on the entrepreneurship chiefly focuses on how to raise entrepreneurship at the degree of the person and the economic system. In add-on to that the bulk of surveies have been done on the differences between enterprisers and non-entrepreneurs instead than on inquiries associating to why the development of the entrepreneurship is so of import or deserving making. Few of import inquiries so emerge about, what the barriers to entrepreneurship are to those who would desire to be entrepreneurial but are non, and how entrepreneurial persons can be better supported in the startup and the better running of their concerns ( Sarasvathy 2004 ) . So the intent of this assignment is to construct upon the premiss and seek to derive a better apprehension of the factors that influence the development of entrepreneurship, specifically among young persons, in South Africa and what can be done to increase the degree of new concern startups as a solution to the job of high young person unemployment.
Entrepreneurship has attracted a batch of attending over the last decennary and there can be small uncertainty about the importance of the entrepreneurial activity and its function in modern society. Since there are many definitions of this construct it may be utile to province a definition that includes the most common elements found in the literature. Harmonizing to Stones ( 2001 ) entrepreneurship can be seen as " a planned, long term procedure independently making something, associated with a specific person or persons, which add a significant value, by agencies of continual creative, advanced, and dynamic acquisition every bit good as a fresh combination and recombination of resources to use achievement chances while accepting the fiscal, societal and psychic hazards involved " .
When construct 'entrepreneurship ' is used for this societal world, subjects like self-employment, little concern direction, phases of development theoretical accounts, and household concern issues become facets of entrepreneurship ( Davidsson 2005, p. 3 ) . In short, entrepreneurship is anything that concerns independently owned and frequently little houses and their owner-managers.
The South African authorities admits that at both national and regional degrees the little concern sector is a cardinal driver and subscriber to economic growing. In recognition of the sector 's possible to accomplish these national aims, the South African authorities has committed itself to its growing ( Musengi-Ajulu 2009, p.2 ) . Assorted cardinal participants in the South African economic system portion the importance of puting in exciting little concern. The turning and widespread committedness to furthering entrepreneurship and advancing little endeavors goes beyond the Government and its establishments ( DTI 2005 ) . It extends to other histrions in the economic system, such as big corporations, the media, non-governmental administrations, Chamberss of commercialism and commercial Bankss. This is evidenced by the turning figure and scope of support programmes, merchandises and services initiated by the assorted participants that have emerged both inside and outside the public sector It has been suggested that making an enabling civilization through authorities policies, processs and little concern patterns can ease a concern environment that can be supportive to entrepreneurial activity and demand, therefore promoting more start-up concern activity and regional economic development ( Musengi-Ajulu 2009, p.2 ) . To this terminal, the South African Department of Trade and Industry ( DTI ) has developed the Integrated Strategy on the Promotion of Entrepreneurship and Small Enterprises ( 2005 ) . The scheme is supported by three strategic pillars: " increasing the supply for fiscal and non-financial support services, making demand for little endeavor merchandises and services and cut downing little endeavor regulative restraints " ( Musengi-Ajulu 2009, p.2 ) .
More late the DTI has gone farther and has developed a bill of exchange National Youth Economic Empowerment Strategy and Implementation Framework 2009-2019 ( Musengi-Ajulu 2009, p.2 ) . The bill of exchange model is based on wide youth-related economic authorization issues. The bill of exchange model forms, as portion of its mission, its purpose of increasing human capital development with a typical focal point on young person entrepreneurship, concern direction and proficient accomplishments ( DTI, 2009 ) . Research suggests that in South Africa, immature people regard entrepreneurship as some signifier of self-employment ; many view this as a impermanent halt spread step whilst seeking employment.
Young person are non good informed about the ongoing entrepreneurship support enterprises, and entree to these programmes is non as easy accessible for the young person as it is to the grownups. Most immature people may merely non cognize what administrations to near. In other words the young person lack the societal capital or the on the job web that older coevals has accumulated with clip.
Due to a deficiency of work experience and an inability to vie with skilled and experient workers as a effect of unequal instruction, first-time occupation searchers tend to meet more barriers to employment ( FMECD 2010 ) . Particularly in times of economic recession immature people are likely to neglect as enterprisers before grownup people, partially because the latter possess better dialogue power and more stable work contracts. Both facets lead to the greater likeliness of immature people come ining informal and unstable working relationships, peculiarly in developing states ( impermanent and parttime work, ill paid, frequently bad occupations without insurance ) ( FMECD 2010 ) .
The current schooling system in South Africa places really small accent on readying of young person to hold the cognition required to be a successful concern proprietor. Good fiscal literacy, selling and direction accomplishments are non being conveyed to the pupils. And on top of this a high failure rate means that really few pupils have entree to third instruction, and are prevented from indispensable preparation and instruction to be a good enterpriser.
It is most likely that entrepreneurial activity will increase in South Africa, because all degrees authorities are seeking to make conditions that should promote entrepreneurial development ( Jesselyn et al 2007, p. 24 ) . They are making this by making Torahs to protect and advance entrepreneurship in the economic system ; besides they are puting up administrations such as NYDA, SEDA and others that support little concerns. Societies across the universe are get downing to recognize that entrepreneurship offers chances for people with broad scope of abilities and backgrounds, non merely for a few affluent and peculiarly gifted people.
The Department of Trade and Industry offers a broad scope of merchandises and services consisting loans, and inducement grants that play an of import function in enabling entree to finance for little endeavors through the establishments such as The National Empowerment Fund ( NEF ) that offers a scope of start-up, concern growing, and rural and community upliftment funding merchandises with a focal point on black economic authorization ( BEE ) minutess ( DTI 2005 ) .
Small Enterprise Development Agency ( SEDA ) was established in order to distribute its presence countrywide through subdivision offices and a web of independent spouses, with a position to increase entree to business-development services ( DTI 2005 ) .
As portion of their regional accomplishments development duties, assorted sector instruction and preparation governments ( SETAs ) have developed and are put to deathing little concern accomplishments development programmes. Some of the SETAs are besides implementing the New Venture Creation Learnership, with the purpose of enabling the take parting scholars to larn the accomplishments and receive the support necessary to get down and successfully pull off their ain concerns ( DTI 2005 ) .
The development of young person entrepreneurship establishes an of import scheme of youth employment publicity. Particularly for disadvantaged young person, concern creative activity offers a opportunity to get away from poorness. Young adult females can run an endeavor at place and so unite their housekeeping with income generating activities.
To get down and successfully run a concern immature people need entrepreneurial accomplishments and backstopping every bit good as entree to recognition. Development undertakings and preparation classs to advance youth entrepreneurship should cover the development of concern thoughts, market analysis, the development of a concern and finance program, preparation in undertaking and fiscal direction, communicating accomplishments, constructive struggle declaration, selling, and monitoring and rating. A support squad should be established with representatives of NGOs, the concern sector and national or international development bureaus to give the immature people advice in implementing their concern programs.


This 2¢ Washington stamp paid the domestic letter rate. At the time U.S. #279B was current, the U.S. was still involved in the Spanish-American War and its aftermath. The U.S. had Military Stations in occupied Spanish Colonies. In April, 1898, the U.S. Postmaster General prohibited all mail between our country and Spain, including its colonies.
Two months later, he reversed his order to allow mail to and from service personnel serving in the Spanish colonies. To simplify matters, the three war regions were considered to be branches of selected Post Offices in the continental U.S. The Philippine war theater was handled as a branch of the San Francisco Post Office. Cuba was treated as a branch of the New York office, and Puerto Rico as part of the Washington, D.C. Post Office.
Postal customers who were actually service personnel – or closely connected to them – could send mail for the domestic rate of 2¢ per half ounce. Civilians were required to pay the international rate of 5¢ per half ounce.
After the war ended, U.S. #279B was also overprinted for use in the Philippines, Puerto Rico and Cuba.
In 1863, Lincoln's Postmaster General Montgomery Blair suggested an international conference be held to discuss common postal problems. A conference was held in Paris, and fifteen nations attempted to establish guidelines for an international postal service. Until this time, mail had been regulated by a number of different agreements that were binding only to signing members.
Although Blair did not intend to create a permanent organization, another conference was held 11 years later in Bern, Switzerland. Twenty-two nations, comprising the International Postal congress, drafted and signed the Bern Treaty, which established the General Postal Union. Under this treaty, member nations, including Europe, Britain, and the United States, standardized postal rates and units of weight. They also set forth procedures for transporting ordinary mail. Ordinary mail included letters, postcards, and small packages. Separate rules govern the transportation of items, such as parcel post, newspapers, magazines, and money orders.
Under this agreement, known as the International Postal Convention, a simpler accounting system was devised as well. Previously, countries could vary the international rate. Any mail traveling across a country's border was charged this rate. In addition, many countries charged a 1¢ surtax for mail being transported by sea for more than 300 miles. Using the basic idea that every letter generates a reply, the Convention allowed each country to keep the postage it collected on international mail. However, that country would then reimburse other members for transporting mail across their borders. The benefits to member nations included lower postal rates, better service, and a more efficient accounting system.
In 1878, at the second conference, the name was changed to the Universal Postal Union (UPU). It wasn't until the 1880s that the organization became truly universal. By the 1890s, nearly every nation had become a member. In 1947, the UPU became a specialized agency of the United Nations. Today, it continues to organize and improve postal service throughout the world. It's the oldest international organization existing and claims to be the only one that really works.
In 1898, the Universal Postal Union standardized the colors of certain stamps in order to make international mailing easier and more efficient. They proposed that member nations use the same colors for stamps of the same value. In order to conform to the UPU's regulations, the 1¢, 2¢, and 5¢ stamps underwent color changes. Later that same year, the 4¢, 6¢, 10¢, and 15¢ stamps were changed to avoid confusion with current issues printed in similar colors.


CASE on a policy of insurance, upon the freight of the ship Richmond, for a voyage, at and from Philadelphia to Batavia, and thence back again. The premium was 20 per cent. 'to return five per cent. if the ship proceeds only to Batavia and back to Philadelphia, and no loss happens;' and the insurance was declared to be 'on freight advanced here, and which, by agreement, is valued at 13,500 dollars.' The policy, also, contained the usual clause, that there should be no average loss recovered, if less than 5 per cent. unless it was general.
one half of the full value of the ship and cargo was decreed to the recaptors, and the claimants charged with all costs; and that by agreement between the captain and the supercargo, on the one hand, and the re- captors, on the other, one half of the cargo was specifically delivered to the latter, and 2750l. fixed for the salvage on the ship, which was paid by a draft on the owners at Philadelphia, secured by an hypothecation.
(a) Mr. Fitzsimmons, a merchant and underwriter of great in elligence and experience, proved, at the trial of the cause, that the interest, acquired by the plaintiff, in the tonnage of the ship, was a well known subject of insurance in Philadelphia. He, also, proved, that an adjustment of the average loss, on the present voyage, had been made; in which the insurance companies, and most of the private underwriters, had acquiesced. On the effect of the adjustment, the plaintiffs cited Park. 118. Marsh. 244.
to an indemnity. 2 March. 460. Park. 124, 5, 6. (4 Edit.) Ab. 290, 1. 1st. The defendant's counsel contending that, the interest was not insurable, argued, that it was in the nature of bottomry; and, therefore, not insurable, unless specifically; and even then, there could be no recovery for an average, but only for a total, loss; that the idea of freight, is inseparable from a completion of the voyage, and none but the owner of the ship can recover freight; and that there is no instance of a person, who is merely liable to pay freight, being liable to contribute to the payment of a general average; Ab. 179. 2 Bos. and Pull. 321. 2 Marsh. 644. 1 Marsh. 93. If the purchase is considered as a purchase of part of the vessel, then no legitimate contract can be found on it, unless the vessel is registered anew. 2 vol. 147. s. 14. (Laws of U. S. Swift's Edit.) 2d. On the second point, the defendant's counsel contended, that the decree of the Court only affected the ship and cargo (not the freight) with the payment of salvage; that nothing but a general average can affect freight; and a general average calls for a voluntary sacrifice of a part, to preserve the rest, of the property; whereas the loss on the salvage was compulsory. 1 Johns. 406. 410. Ab. 220. Park. 122. 130. The chief justice, after stating the general facts, delivered the unanimous opinion of the Court, in the following terms.
arguing for the defendant, conceded that the plaintiff's interest might have been insured, if it had been properly described; but he conceived it to be in the nature of bottomry. This it certainly cannot be; there was no loan of money. Messrs. Walns were obliged to make no payment to the plaintiff, but the plaintiff was entitled to make what he could from the tonnage he had purchased. Whether it was more, or less, Messrs. Walns had nothing to do with it. The testimony of Mr. Fitzsimmons goes for towards proving, that the plaintiff's interest was well described, and was a proper object of insurance. In the case of Gregory v. Christie, (Park. 11.) my Lord Mansfield thus expresses himself, 'I should think that the words 'goods, specie, and effects,' did not extend to the plaintiff's interest, if we were only to consider the words by themselves. But here is an express usage, which must govern our decision. A great many captains in the East India service swear, that this kind of interest is always insured in this way.' Now, though there have not been a great many witnesses in this cause, yet there has been one, very much conversant in the business of insurance, who stands uncontradicted. Upon this first point, therefore, the insurability of the plaintiff's interest, whether it is considered on principle, or on usage, I have no doubt but the law is with the plaintiff. 2d. But was the plaintiff's interest liable to general average? General average, or general contribution, is founded on principles of justice and sound policy. It arises, when a sacrifice of part has been made for the preservation of the residue, or, when money is expended, to preserve the whole. Thus, the loss occasioned by cutting away of masts, or throwing goods overboard to lighten the ship, in a storm, or money paid to redeem ship and cargo, which had been captured, are subjects of general average; ship, cargo, and freight, have been benefited, and therefore all must contribute. In the present instance, a compromise was made with the recaptors? Was it for the benefit of all persons concerned in ship, cargo, and freight? for, if it was, it falls within the rule of general average. It appears to me that it was for the benefit of all concerned. It prevented a sale of both ship and cargo, which must have injured all concerned. It would certainly have injured the plaintiff, who had goods on board to a large amount, and he had paid in advance, for the freight of these goods. Of whatever nature the plaintiff's interest was, it was liable to salvage. Sir William Scott's opinion (a) is, that salvage is due, for ship, cargo, and freight. But the defendant's counsel object, that general average never arises but from the voluntary act of man, and here, say they, was no voluntary act; for, salvage was decreed by the Court. This argument is rather too refined. Let us consider it. It is true, that the agency and consent of man, must intervene, to produce a general average; but this agency and consent, though in one sense voluntary, are upon the whole, involuntary. When life is at stake, the mariner willingly (a) The Racehorse, 3 Rob. 86.
throws gold and diamonds into the sea. But was he willing to encounter the storm, which produced this dire necessity? General average always arises from actions produced by necessity. In the case before us, there was a capture, re-capture, and decree of salvage. The master and supercargo consented, under these circumstances, to a measure, which produced a general benefit. They surely exercised as much volition, as if they had thrown half the cargo over board in a storm. Suppose they had stood still, and suffered the ship and cargo to be sold, the underwriters would then have had to answer for the whole freight. It is better for them to be subject to a general contribution.
We are of opinion that the plaintiff is entitled to recover on this policy, according to his demand.
Lewis, Rawle, and J. Sergeant, for the plaintiff.
M'Kean (Attorney-General) and Ingersoll, for the defendant.


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Department of Art showcases undergraduate talent
The Betty Foy Sanders Department of Art at Georgia Southern University is showcasing the talents of its undergraduate students with its two current exhibitions: Form and Content and the 2013 Undergraduate Juried Exhibition. Both exhibitions are on display at the University's Center for Art and Theatre on April 1-19. Form and Content showcases exemplary works produced by students enrolled in art foundations courses, and Juried 2013 features outstanding work produced by students enrolled in the Department. The exhibitions include a reception and awards presentation Friday, April 12, from 5-7 p.m.
"All Georgia Southern students pursuing a major in studio arts are required to take foundation courses that include drawing and two- and three-dimensional design," said Marc Mitchell, gallery director and assistant professor in the Betty Foy Sanders Department of Art. "The rigorous coursework that comprises the foundations program helps to create the solid infrastructure needed for a career in the Fine Arts. The Form and Content exhibition honors the effort of outstanding beginning art students and demonstrates the expectations placed on future students at BFSDoA."
Paul LaJeunesse, a member of the art department at Georgia State University in Atlanta, is the juror for the 2013 Form and Content exhibition. LaJeunesse received a MFA in painting from Bowling Green State University in 2006, the Elizabeth Greenshields grant in 2006, and a Fulbright grant in 2007 to travel to Reykjavik and Siglufjördur, Iceland. He has exhibited in nationally and internationally, with recent solo exhibitions at Rogue Community College, Oregon; Idaho State University; The Seattle School of Theology & Psychology; Saitama University, Japan; and the Akane Gallery in Tokyo.
"The artwork in the 2013 Undergraduate Juried exhibition represents the various disciplines taught within the BFSDoArt, including sculpture, ceramics, jewelry, painting, drawing, printmaking, photography, and mixed-media," Mitchell said. "This exhibition showcases the exceptional work that our undergraduate students are completing every day in the classroom."
Phillip Counselman, chair of the art department at University of Mobile, is the juror for the undergraduate exhibition. Counselman received a MFA in sculpture from the University of North Carolina-Greensboro and has curated or juried more than 25 exhibitions nationally. His work includes numerous exhibitions at institutions such as The Huntsville Museum of Art; Gadsden Museum of Art; Pensacola Museum of Art; Weatherspoon Museum of Art, Carolina-Greensboro; Auburn University; and The Southeast Center for Contemporary Art.
For more information on Form and Content and Juried 2013 exhibitions and other gallery programming provided by the Betty Foy Sanders Department of Art, visit https://cah.georgiasouthern.edu/art, and find images of these and other exhibitions on the BFSDoArt Flickr Photostream.
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Study: Bismarck State College Provides the Best Return on Investment for Students in North Dakota
November 15, 2019 Rob Port
A new study out from Georgetown University's Center on Education and the Workforce has some fascinating findings.
The report "ranks 4,500 colleges and universities by return on investment" and includes an online database allowing the public to look up data on their state's universities.
I've also embedded the full report below. The (somewhat clunky) database is here.
"Community colleges and many certificate programs have the highest returns in the short term, 10 years after enrollment, though returns from bachelor's degrees eventually overtake those of most two-year credentials," reads one of the top-level, national conclusions from the study.
Thing is that finding didn't really hold up in North Dakota.
The study uses a metric they call NPV, or net present value, to rank the schools. You can read a definition of that metric here. Mostly it's a calculation of what a graduate from each institution would earn over and above the price (in both time and dollars) of successfully graduating.
Ranking North Dakota's public and private institutions (and it's a comprehensive list, including everything from the four-year research institutions down to Josef's School of Hair Design) on a 10-year window for NPV shows the top five slots are taken by North Dakota's public, two-year institutions:
Bismarck State College tops the list, and I think the school might have actually put up even better numbers. Though the study's authors listed BSC as a four-year institution, they're really a two-year school. There are some four-year degrees offered at BSC, but they do that by way of partnerships with other schools. In calculating BSC's NPV, the study's authors may have used the time cost of four years of attendance when a lot (most?) of BSC's students get two-year degrees.
That quibble aside, it's interesting to see the two-year schools come out at the top of the list. We don't see a four-year school until the University of North Dakota comes in 6th place. North Dakota State University, our state's other four-year research institution, comes in 10th place, right behind Minot State University.
But that's ranking by a 10-year measure. Most people see higher education as an investment in long-term success. What happens when we zoom out to 40 years? The four-year institutions do better, but the two-year schools hold their own. In fact, Bismarck State College is still at the top of the list, and four of the schools in the top ten offer two-year degrees (click for a larger view):
These ranks are interesting, though what they mean is pretty subjective. They are generalizations, but students are individuals who represent a unique set of desires and talents and abilities. The University of North Dakota has a medical school, but not every North Dakota student needs a degree in a pre-med major (this study didn't look at advanced degrees). Not every student wants to be a doctor.
Bismarck State College comes in at the top of this list, and that's great, but not every student is going to want or need the sort of degrees BSC offers either.
Wherever a student chooses to get their education, what's important is to focus on efficiency. Which institution can put you on the career track you want to be on in the most efficient way.
Some students may see value in paying a premium to obtain a degree from a prestige university.
Other students with other priorities are going to be just fine at Josef's School of Hair.
When it comes to deciding what your priorities are, though, what this data shows is that in the short term, a career based on a two-year technical degree will pay off much earlier in your life and, even long term, won't leave you all that far behind the careers based on a four-year degree.
[scribd id=435159371 key=key-2LZUzAckZ15MoLzICFAA mode=scroll]
Tags: Bismarck State College, Education, higher education, north dakota, north dakota university system
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resurrection | Theology for ordinary people.
Throughout the Gospels, there is a common thread, a repeated invitation to come and see. Come and see Jesus, come and hear his teachings, come and experience his healing, come and be fed. Come and see. And the disciples—the twelve, plus Jesus' other followers—have come, and they have seen. They have witnessed the saving actions of Jesus, including his death on a cross, and now these two women, Mary Magdalene and the other Mary, have been witnesses to the resurrection. They have seen what God has done. They have seen life come out of death, a life that is too powerful to ever return to the grave. And now there is a new invitation: go and tell.
Go and tell people that Jesus is alive. Go and tell people that the Lord of Life has broken the powers of sin and death. Go and tell his disciples that they will see him again, that he is with them. Go and tell. Twice in ten verses, the two Marys are told to go and tell. And our Acts reading is Peter telling the story of Jesus to new believers. First, we come and see; then, we go and tell.
What makes this story worth telling? What makes this story important? What makes this story matter, to us here today? This story matters because it is not just a story of something that happened a long time ago to people who looked and dressed funny. This story matters because it is our story, and because it is still ongoing. This world is broken by sin and death—we are broken by sin and death. We live in a world where there is evil, where we hurt ourselves and others, where might makes right and innocent people suffer while the ones who hurt them prosper. We live in a world where people cherish their feuds and enmities, and deny the humanity of anyone who's not like them. We live in a world where any amount of pain and suffering can be shrugged off and ignored as long as it happens to people somewhere else who aren't our kind of people. We live in a world where too many of those with power abuse those who have none. We live in a world where people choose to hurt each other, in word and deed, through things we do and things we fail to do. Things fall apart. And especially given what we see on the news, it is so, so easy to focus on all the problems. On all the bad things. On all the general crumminess and misery in the world. It is so easy to be afraid. But that story, the story about how terrible everything is, is not God's story.
God's story is this: there was an earthquake, that first Easter morning, and the stone was rolled away from the tomb. God's story is this: there was an earthquake, and the aftershocks are still being felt to this very day. God's story is this: death does not win. God's story is this: God shows no partiality, but loves us, all of us, everyone, rich and poor, the powerful and the vulnerable, of every race and tribe and nation, here and throughout the world. God loves us all, and God chooses to save us. God chooses to reach in to the terrible, crummy world, and work in it, to bring light to the darkness and healing where there is brokenness, forgiveness where there is sin, reconciliation where there is estrangement, hope where there is despair, joy and love where there is fear, and life even in the grave.
We don't follow Jesus because he was a nice guy who said some wise things 2,000 years ago. We follow Jesus because we have seen the life that he brings, and we want to experience it and share it with all the world. We follow Jesus because he offers us a better story than doom and gloom and despair and fear, a story that looks at the very worst the world has to offer and acknowledges all the worst parts of it and says, this is not the way the world is supposed to be and God is at work to do something about it. We follow Jesus because he brings healing and forgiveness and new life. And some of that new life and healing and forgiveness will have to wait until Christ comes again in glory and heaven comes to Earth. But some of it? Some of it happens here, now, among us. I have seen people be petty and cruel; I have seen people make excuses to heap more pain on those who are already devastated. I have seen people lash out out of fear. But I have also seen people be kind and generous, not just to those they already like but to everyone. I have seen people build bridges instead of walls, and I have seen people stand up to bullies and I have seen people and communities change things for the better. I have seen people bring love and joy to the places it is most desperately needed. And in each of these times and places I have seen God at work, Jesus Christ present in the words and deeds of ordinary people.
This is our story. This is not just the story of one dude who died and got resuscitated a long time ago. This is the story of how Jesus Christ is still at work in us and around us. This is the story of change, and hope. This is the story of God working in us and around us. Come and see. Look around you, and see the signs of God's presence. Look around you, and see what God is doing. I guarantee you that in every dark place in the world, if you look closely enough you will see God at work to bring light and healing. Come and see. Come and see what Jesus Christ did 2,000 years ago in dying for our sins and rising to new life. Come and see what Jesus Christ is doing in us and around us right now to break the power of sin and death and bring new life to all people. Come and see the seeds of the kingdom God is planting in us and around us, flowers that spring up even though the world tries to choke them to death. Come and see.
And then go and tell. Thank the Lord, and sing his praise. Tell everyone what God has done. And I don't just mean tell non-Christians. I mean, we should tell them, too, but believers are part of "everyone." Notice that before Peter got to telling the story to Cornelius and his household in Acts, the women had to go tell the disciples. Both the angel at the tomb and Jesus himself told them to share what they had seen with the other followers of Jesus. We need to hear that story, too. We need to hear about God's power to destroy death. We need to hear about the earthquake that is in the process of reshaping the world. We need to hear about life even in the midst of death. We need to hear the story of God's saving actions and let it inspire us, let it help us to see God's work in us and around us. We need to hear the story, too, so that it can build our faith and strengthen us to be part of God's mission in the world. We need to hear the story so that we can grow in faith and love. We all need to hear that story, so we all need to be telling it to one another.
We need to hear the story from the time we are very small to the time we are very old. The world has so many stories to tell, and so many of them are bad ones. The world tells stories about pain, about despair. The world tells stories about selfishness, and greed, and hate, and fear. And the only way to counter those stories is with stories about life: the life that God gives, the life that Jesus Christ died and rose again to give us. The life that God wants for all of creation. We need to hear that story, over and over again. And so we need to keep telling it.
In just a few minutes we're going to baptize young Axel. And his parents are going to promise to bring him to church and place in his hands the holy Scriptures—in other words, to teach him the stories of faith and raise him in the community that tells those stories. We as a congregation are going to promise to tell those stories, to support him in his growth in faith. And in a few weeks we're going to confirm some young members of this congregation, and they will affirm the promises made in their baptism and promise to live as part of that community of faith, to hear the story of what God has done in Christ Jesus and is still doing around us today. Every one of us has made those same promises, either at our own baptisms, or our confirmation, or the baptism of our children, or the baptism of other children in the community. We promise to tell the stories, to pass them on, to encourage one another, to build one another up in the faith. We promise to set aside our fear, we promise to reach for the joy and love that Christ brings, we promise to tell the story of Jesus Christ, and we promise to open ourselves to let God's story shape us and our lives.
Come and hear that story. And then go and tell it, and may God be with you every step of the way, breathing new life and healing and hope and joy and love into every corner of your soul and your life.


During the 16th century, trading expeditions were highly risky, with loss of life and cargo due to shipwreck and piracy extremely common. To encourage investors to put money into these ventures, governments would grant individual companies temporary monopolies over certain areas and routes.
The Dutch East India Company (Vereenigde Oostindische Compagnie, or VOC), which was established in 1602, was not the first of these. However, because of its size, it is often considered to be the world's first multinational company.
The VOC's charter granted it exclusive rights over any trade in Asia. To enforce this, it was allowed to raise a private army, build forts and even run its own judicial system and currency. However, Holland was not the only country exploring Asia.
For example, England had formed the rival East India Company two years earlier. Many years of conflict between rival trading companies followed, but in 1620 the VOC's rivals agreed to stay away from Indonesia, leaving theVOC with a monopoly there. It also established bases in South Africa, India and Sri Lanka, as well as gaining exclusive rights to trade with Japan.
By the middle of the 17th century the VOC was the largest company in the world and immensely profitable. But its fortunes started to decline in the face of rising competition. In spite of this, the company stubbornly continued to pay dividends, forcing it to take on more debt.
By 1796 its financial situation was so bad that it was nationalised by the Dutch government in a failed effort to save it. Just three years later, in 1799, it was wound up.


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Drug Recall Lawyers Warn of Dangerous Contact Lens Side Effects
Home » Blog » Drug Injury » Drug Recall Lawyers Warn of Dangerous Contact Lens Side Effects
Drug recall attorneys at the Pintas and Mullins Law Firm are warning of serious eye problems reported by consumers using Avaira Toric contact lenses. Complaints range from blurred vision to torn corneas, and federal health officials are threatening to step in with a nationwide public alert.
The contact lenses are manufactured by CooperVision and sold widely by major retailers including Wal-Mart, Costco, and Lens Crafters. The corrective lenses are designed for people with astigmatism, and are fairly new to the market, launching in April of 2011.
However, after several months on store shelves, consumers began to complain of eye problems such as hazy vision, discomfort, and eye irritation. As msnbc.com is reporting, a limited number of lenses were eventually recalled in August, after "unidentified residue" was found on some of the lenses that appeared to be causing the reported eye complications. The recall affected about 10 percent of all Avaira Toric lenses sold in the last year.
CooperVision issued a press release notifying customers of the recall, and retailers who received shipments of the affected lenses also reached out to customers. Unfortunately, the notification was not prompt or adequate enough, and there are still many customers who continue to wear the dangerous lenses without any awareness of the serious health risk that they may cause. At least a dozen costumers have gone to hospitals and emergency rooms with impaired vision or pain since the recall was announced. Their injuries go far beyond "temporary hazy vision," and include corneal abrasions and other serious eye problems.
The U.S. Food and Drug Administration is concerned about the lack of widespread public notice and resulting eye injuries. The agency is asking for a broader, more public recall that will alert more retailers and their customers about problems associated with the defective lenses. Other countries, such as Hong Kong, Spain, and Australia, have already issued much wider recalls that include a list of more than 200 defective lots.
Our defective drug lawyers expect even more reports of injuries by Avaira Toric contact lens users as vulnerable consumers continue to be exposed to ongoing injuries. Manufacturers attempted to downplay the recall to the detriment of contact lens users across the United States. A wider notification is long overdue, as far too many consumers have already suffered serious eye injuries. Corneal abrasions can lead to extreme pain, because the cornea contains more nerve endings than just about any other part of the body. Blurred vision can last for weeks at a time, and corneal tears are likely to reoccur long after the abrasion appears to have healed.
Negligent companies cannot continue to put profits ahead of consumer safety and expose the public to serious health risks. CooperVision has not complied with the FDA's request for a wider recall, and innocent consumers continue to be exposed to serious health risks. With the exception of a few specific lots, a majority of Avaira Toric and other CooperVision products continue to remain on store shelves. Widespread public notice may help some lens wearers avoid severe eye injuries.
Drug Injury Blog Posts:
Drug Recalls Surge in U.S Making 2014 Record Year
Due in part to increased federal oversight, this year has already seen record numbers in pharmaceutical recalls. The most common causes of drug recalls include contamination, packaging defects, safety problems and improper testing. Drug recall lawyers at Pintas & Mullins Law Firm have seen too many patients seriously injured and killed by recalled products. Every recall is ...
More Compounding Pharmacies Announce Recalls
Compounding pharmacy lawyers at Pintas & Mullins Law Firm confirm that Specialty Compounding, based in Cedar Park, Texas, recently announced a recall of all its sterile products. About 15 patients have already been hospitalized with blood infections after receiving injections produced at Specialty Compounding. The FDA announced on Sunday, August 11, 2013 that Specialty Compounding was ...
ER Visits from ADHD Medications on the Rise
Between 2005 and 2010, the number of ER visits from ADHD medications rose from just over 13,000 to a staggering 31,000. Even when taken as directed, ADHD medications involve serious risks, which are significantly heightened when they are misused or taken without a prescription. Perhaps the nation's most popular ADHD medication, Adderall, has been linked ...
Hospira Received Four FDA Warning Letters in 2012-2013
Drug recall lawyers at Pintas & Mullins Law Firm report that Hospira Inc. is again under fire from the FDA over, among many things, unsanitary conditions at its pharmaceutical manufacturing plant in India. This most recent federal warning is just the latest in a slew of negative letters and inspection reports. Between June 2012 and June ...
Jury Awards $2.4 Million to Victim of Drunk Driving Crash
Reglan, Tecfidera Carry Serious, Life-Altering Side Effects
Developer Admits Guilt in Asbestos Case


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To fully align with the Sweco strategy and to simplify the organisation, Sweco announces an adjustment to its business area structure. In conjunction, Bo Carlsson is retiring from Sweco's Executive Team.
In the adjusted structure, Sweco Belgium and Sweco United Kingdom become new business areas. Country Managing Director of Belgium, Erwin Malcorps and Country Managing Director of UK, Max Joy, become members of the Executive Team. After the adjustment, there will be eight Business Areas within Sweco: Belgium, Denmark, Finland, Germany & Central Europe, Netherlands, Norway, Sweden and United Kingdom.
"I am very pleased to welcome Erwin Malcorps and Max Joy to the Executive Team. Both have strong leadership skills and a deep understanding of our industry. They will be great assets to the Executive Team," concludes Åsa Bergman, President and CEO of Sweco.
Bo Carlsson, currently President of Sweco Western Europe, will be taking on the position as senior advisor reporting directly to Åsa Bergman.
Max Joy joined Sweco as UK Managing Director in March 2016. He joined directly from the British Army in which he served for 28 years. Erwin Malcorps has been Sweco Belgium's Managing Director since 2011. He has a Master of Science in Civil Engineering from Leuven University.
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New section of Fargo's 17th Street South to close Monday
A map depicts the construction plan for 17th Street South. FargoStreets / Submitted Photo
By News staff, Thomas Evanella
FARGO — Starting Monday, July 6, after 7 a.m., contractors are expected to begin work on the next section of the 17th Street South road and water main improvement projects, the Fargo Street Department announced via news release.
Project work will move north to the middle section of phase two work on 17th Street South between 21st to 25th Avenues South. Work is divided into three sections to maintain residential access as much as possible.
During the next few months crews will continue to move north toward 21st Avenue South.
Once traffic control is in place, motorists can expect the second section of 17th Street South to be completely closed to traffic. Access will be available from the north at 21st Avenue South or the south at 25th Avenue South
Project work on the south section of 17th Street South is nearly complete. Weather permitting, the plan is to reopen the section ahead of the weekend. Through each phase of the project, pedestrian access will be maintained. Access to some driveways will be restricted and motorists will need to use side streets and avenues.
The project will upgrade water main, sanitary sewer, storm sewer, pavement, curb and gutter, sidewalks, and street lighting. The existing street has been in place since 1972 and has undergone patching over the years.
The department anticipates the project will be completed in October and requests that drivers slow down in the work area.
Related Topics: TRAFFIC AND CONSTRUCTIONFARGONORTH DAKOTA
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By Forum staff
Moorhead company to run restaurant, other food and drink options at Fargo's Rose Creek Golf Course
Fargo Park Board votes 4-0 to contract with developer Andy Skatvold and Kjerbeersten LLC open the 19th Hole at Rose Creek starting in April.
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Right now I am away on our annual writers retreat. I am supposed to be working on my novel this weekend, but I am sneaking a bit of time out on the conference centre's wireless network - naughty but nice! That's because I am feeling stressed about the whole issue of product, achievement, measurable and quantifiable goals. You know how it is. We measure our days in terms of success, depending on how much we have achieved, and the value we attach to each of the things we have done. As an ME sufferer, this is a constant mantra in my life. How do you describe a good day or a bad day for other people (not least the Benefits Agency) unless you do so in terms of what you can achieve? So my days have become measured in terms of how many loads of washing I put in the machine, how far I can walk, how long I stand at the cooker. I live in a quantified world.
But when I think about it, my life has always been like this. It was always how many 'O' Levels was I doing, or 'A' Levels, or what my degree coursework marks were. My life has always been about measuring myself against some scale or other. And because of the way I am, always finding myself wanting.
This retreat is another measurable outcomes fest. I feel like I am here to do work, so I had better do it. And I had better have a measurable outcome, preferably something I can read to my fellow retreat-ees when we gather at the end of the weekend. I feel like a need a concrete thing to waive to say I haven't wasted my time.
The thing about writing is that from the outside, a lot of it looks like wasted time. I remember hearing Iain Banks at a book reading delighting in how being a writer allows him to spend a great deal of time sitting in the pub or staring into space, under the heading 'WORK'. I am trying to redraft my current novel, 'The Seventh', and I've decided its going to need quite a big facelift. I like the idea, but the work at this point is about planning. Which requires lots of thinking, and plotting tiny bits of information on spreadsheets and scraps of paper. Not necessarily finished, polished prose. And I am not entirely sure that choosing a 'deliverable' for the end of the weekend is going to be helpful in the process.
But then the question is, because I don't have a measurable result, will I feel like I haven't achieved anything?
The issue that keeps coming up in my life at the moment is neatly summarised under a simple phrase 'ENJOY THE PROCESS'. So I am trying to refrain from measuring myself at all this weekend. It's hard, but I hope that in doing so, I can allow my creative muscles to flex, and remember how to enjoy writing again.


text:
Keep the Parade Safe
The 1941 October Revolution Parade of November $7^{th}$, 1941, taking place in Moscow, Soviet Union, was a parade in honor of the October Revolution 24 years ealier. It was one of the most memorable parade because of the serious circumstance at that time: Soviet's forces had constantly been dominated since the last 4 months, and Moscow was surrounded by Nazi under an extremely high pressure. Many soldiers joined that parade, and immediately rushed into the battle field after then. The winning against Nazi later pushed Hitler's forces very far away from Moscow and completely destroyed his Barbarossa plan…
In order to ensure safety for the parade, Stalin gathered information about the positions of Nazi's troops. He knew that Nazi's troops can be depicted as $N$ points on the Cartesian plane. He was also aware of $S$ Soviet's defending castles, which can be represented by $S$ points.
Stalin thought that one castle was in danger, if there exist a group of four Nazi's troops, which forms a non-degenerate quadrilateral and the castle lies inside or on its border. Recall that a quadrilateral is non-degenerate iff no three of its vertices are collinear, and its edges do not intersect (with the exception that edges can intersect at vertices). Stalin wanted to know how many castles were in danger, so that he can send a suitable protection for them.
The first line of the input contains one integer $N$ $(4 \leq N \leq 1\, 000)$ - the number of Nazi's tropps.
Each of the next $N$ lines contains two integers $x$ and $y$ $(0 \leq x, y \leq 10^6)$ representing one point where a Nazi's troop took place.
The next line contains one integer $S$ $(1 \leq S \leq 1\, 000)$ - the number of Soviet castles.
Each of the next $S$ lines contains two integers $x$ and $y$ $(0 \leq x, y \leq 10^6)$ representing position of one castle.
It is guaranteed that all given points are distinct.
Write in one line the number castles which were in danger.
Sample Clarification
The $1^{st}$ sample corresponds to the following figure. Blue points represent Nazi troops' locations, oranges points represent in-danger castles, green points represent non in-danger castles.
The $2^{nd}$ sample corresponds to the following figure. Note that the quadrilateral is degenerated, so no castle is in danger.
Submit Stats
Problem ID: parade
CPU Time limit: 1 second
Memory limit: 256 MB
Difficulty: 6.3
Sample data files
Source: The 2017 ACM - ICPC Vietnam National Programming Contest


text:
/*
* Minio Go Library for Amazon S3 Compatible Cloud Storage (C) 2017 Minio, Inc.
*
* Licensed under the Apache License, Version 2.0 (the "License");
* you may not use this file except in compliance with the License.
* You may obtain a copy of the License at
*
*     http://www.apache.org/licenses/LICENSE-2.0
*
* Unless required by applicable law or agreed to in writing, software
* distributed under the License is distributed on an "AS IS" BASIS,
* WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
* See the License for the specific language governing permissions and
* limitations under the License.
 */

package minio

import (
	"context"
	"mime"
	"os"
	"path/filepath"

	"github.com/minio/minio-go/pkg/s3utils"
)

// FPutObjectWithContext - Create an object in a bucket, with contents from file at filePath. Allows request cancellation.
func (c Client) FPutObjectWithContext(ctx context.Context, bucketName, objectName, filePath string, opts PutObjectOptions) (n int64, err error) {
	// Input validation.
	if err := s3utils.CheckValidBucketName(bucketName); err != nil {
		return 0, err
	}
	if err := s3utils.CheckValidObjectName(objectName); err != nil {
		return 0, err
	}

	// Open the referenced file.
	fileReader, err := os.Open(filePath)
	// If any error fail quickly here.
	if err != nil {
		return 0, err
	}
	defer fileReader.Close()

	// Save the file stat.
	fileStat, err := fileReader.Stat()
	if err != nil {
		return 0, err
	}

	// Save the file size.
	fileSize := fileStat.Size()

	// Set contentType based on filepath extension if not given or default
	// value of "application/octet-stream" if the extension has no associated type.
	if opts.ContentType == "" {
		if opts.ContentType = mime.TypeByExtension(filepath.Ext(filePath)); opts.ContentType == "" {
			opts.ContentType = "application/octet-stream"
		}
	}
	return c.PutObjectWithContext(ctx, bucketName, objectName, fileReader, fileSize, opts)
}

redpajama_set_name: RedPajamaGithub


text:
Daily Ratings and News for Mcdonald's
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Lineweaver Wealth Advisors LLC Purchases Shares of 4,874 Cedar Fair, L.P. (NYSE:FUN)
Lineweaver Wealth Advisors LLC Makes New Investment in Progressive Corp (NYSE:PGR)
Lineweaver Wealth Advisors LLC Takes $499,000 Position in Mcdonald's Corp (NYSE:MCD)
Lineweaver Wealth Advisors LLC Makes New $2.14 Million Investment in iShares US Preferred Stock ETF (NASDAQ:PFF)
Lineweaver Wealth Advisors LLC Buys Shares of 91,365 iShares Intermediate-Term Corporate Bond ETF (NYSEARCA:IGIB)
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Posted by Samantha Guadardo on Jan 16th, 2020
Lineweaver Wealth Advisors LLC bought a new stake in Mcdonald's Corp (NYSE:MCD) during the 4th quarter, HoldingsChannel reports. The fund bought 2,525 shares of the fast-food giant's stock, valued at approximately $499,000.
Other institutional investors and hedge funds have also recently made changes to their positions in the company. EP Wealth Advisors LLC increased its stake in Mcdonald's by 10.4% in the 3rd quarter. EP Wealth Advisors LLC now owns 8,500 shares of the fast-food giant's stock worth $1,825,000 after buying an additional 801 shares during the period. Ropes Wealth Advisors LLC grew its holdings in Mcdonald's by 9.9% during the 3rd quarter. Ropes Wealth Advisors LLC now owns 24,962 shares of the fast-food giant's stock worth $5,360,000 after acquiring an additional 2,247 shares in the last quarter. Stillwater Investment Management LLC grew its holdings in Mcdonald's by 0.6% during the 4th quarter. Stillwater Investment Management LLC now owns 18,280 shares of the fast-food giant's stock worth $3,612,000 after acquiring an additional 114 shares in the last quarter. Atalanta Sosnoff Capital LLC grew its holdings in Mcdonald's by 40.4% during the 3rd quarter. Atalanta Sosnoff Capital LLC now owns 233,145 shares of the fast-food giant's stock worth $50,058,000 after acquiring an additional 67,094 shares in the last quarter. Finally, Arthur M. Cohen & Associates LLC grew its holdings in Mcdonald's by 35.8% during the 3rd quarter. Arthur M. Cohen & Associates LLC now owns 6,050 shares of the fast-food giant's stock worth $1,299,000 after acquiring an additional 1,595 shares in the last quarter. 67.23% of the stock is currently owned by institutional investors and hedge funds.
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In other Mcdonald's news, Director John J. Mulligan purchased 1,300 shares of Mcdonald's stock in a transaction on Wednesday, November 6th. The stock was bought at an average cost of $193.46 per share, with a total value of $251,498.00. Following the transaction, the director now owns 2,900 shares of the company's stock, valued at approximately $561,034. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this hyperlink. Also, CEO Christopher J. Kempczinski purchased 2,580 shares of Mcdonald's stock in a transaction on Wednesday, November 6th. The shares were acquired at an average cost of $193.81 per share, with a total value of $500,029.80. Following the completion of the transaction, the chief executive officer now directly owns 2,580 shares in the company, valued at approximately $500,029.80. The disclosure for this purchase can be found here. Insiders purchased a total of 7,380 shares of company stock valued at $1,430,223 over the last ninety days. 0.25% of the stock is currently owned by insiders.
Shares of Mcdonald's stock traded up $0.95 during midday trading on Thursday, hitting $210.73. The company had a trading volume of 1,690,146 shares, compared to its average volume of 3,011,683. The stock has a market cap of $156.13 billion, a price-to-earnings ratio of 26.67, a PEG ratio of 2.90 and a beta of 0.45. The company has a fifty day simple moving average of $198.57 and a 200 day simple moving average of $206.35. Mcdonald's Corp has a 12-month low of $173.41 and a 12-month high of $221.93.
Mcdonald's (NYSE:MCD) last announced its quarterly earnings data on Tuesday, October 22nd. The fast-food giant reported $2.11 EPS for the quarter, missing the Thomson Reuters' consensus estimate of $2.21 by ($0.10). The company had revenue of $5.43 billion during the quarter, compared to analysts' expectations of $5.47 billion. Mcdonald's had a net margin of 28.09% and a negative return on equity of 85.71%. The business's revenue for the quarter was up 1.1% compared to the same quarter last year. During the same period in the previous year, the business earned $2.10 earnings per share. As a group, sell-side analysts anticipate that Mcdonald's Corp will post 7.84 earnings per share for the current fiscal year.
MCD has been the topic of several recent research reports. SunTrust Banks dropped their target price on shares of Mcdonald's from $240.00 to $230.00 and set a "buy" rating on the stock in a report on Wednesday, October 23rd. Deutsche Bank initiated coverage on shares of Mcdonald's in a report on Tuesday, November 26th. They set a "hold" rating and a $193.00 target price on the stock. Piper Jaffray Companies cut shares of Mcdonald's from an "overweight" rating to a "neutral" rating and dropped their target price for the stock from $224.00 to $195.00 in a report on Monday, November 4th. ValuEngine cut shares of Mcdonald's from a "buy" rating to a "hold" rating in a report on Wednesday, October 2nd. Finally, Telsey Advisory Group reiterated an "outperform" rating and set a $220.00 target price on shares of Mcdonald's in a report on Friday, December 6th. Eight investment analysts have rated the stock with a hold rating and twenty-two have assigned a buy rating to the stock. The company currently has a consensus rating of "Buy" and an average target price of $223.54.
Mcdonald's Company Profile
McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer various food products, soft drinks, coffee, and other beverages, as well as breakfast menu. As of December 31, 2018, the company operated 37,855 restaurants, including 35,085 franchised restaurants comprising 21,685 franchised to conventional franchisees, 7,225 licensed to developmental licensees, and 6,175 licensed to foreign affiliates; and 2,770 company-operated restaurants.
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Take out crumb from bread and dice it.
Heat 2 tablespoons of olive oil in a pan; brown crumb dices and chopped garlic.
Preheat oven to 400° F (200° C - Th 7).
Dice feta cheese. Combine it with fresh cream, salt and pepper. Add thyme, capers and crumb dices.
Put tomatoes in an oiled baking dish. Fill with mixture. Put tops back on tomatoes.
Pour chopped pulp between tomatoes (not everything if you have a lot). Add salt & pepper and 3 tablespoons of olive oil on top.
Bake in oven for 15 to 20 minutes. Serve with a salad or rice.