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Inside HMO Investing
Looking back on our first HMO – a six-bedroom professional shared house in Stockport
Project by Inside Property Investing
£1000/month
HMO Project Overview
As part of HMO month here at Inside Property Investing, we look at the details of one of our projects. We asked you what you really wanted to see and it was pretty unanimous, actually, that you wanted to take a deep dive into our first HMO project.
So, you can expect to see a few things in this case study that we don't actually do anymore. But it will be interesting (hopefully!) for you to see the learning process and the results of this now. This was our first HMO project in 2014 after I (Mike) left the corporate world. So it was an attempt to replace my income and help us on our way to replacing Victoria's too. We'd done some flips in the past and had an unofficial HMO – my first flat in Newcastle. This was our first foray into being official HMO investors.
Tell Us About the Project/ Strategy
It was a repossessed two-bedroom terraced property in Stockport that we bought for £95,000, in a reasonable area. It wasn't somewhere that was a hotspot or up and coming at the time, but it was a reasonable area full of rows of red brick terraced properties and fairly common of the northwest housing stock. We knew that HMO was the strategy we were aiming for, as we knew it was the highest income we could generate per square metre of property.
As I'd already left my job, we needed to make an income quickly in as short a time as possible.
The big appeal for me was that it was fairly cheap and one of the cheapest properties to come on the market in that area at the time. We didn't have a huge amount of money, so it was crucial to get a good deal. We were budget conscious and wanted to have as much as possible to spend on the renovations.
It had actually been used as a cannabis farm. In fact, we only very recently went back in and converted the cellar last year. Up until that point, there were still watering schedules and notes on the walls! The wiring had all been done to bypass the metre, so it was an interesting project.
The cellar space before renovation
So, What Attracted You to the Property?
Our approach has always been to buy the worst houses we can find and add the most value to them. This was no exception to that. We wanted to be able to refinance after the renovations were complete and get as much of our cash back out as possible. If we are going to be ripping walls out and doing loft conversions anyway, then it doesn't matter whether it's painted nicely or there are nice radiators – it's all got to go! The fact that this was a shell was actually really appealing. Add that it was one of, if not the cheapest, house on the market in the area – it had loads of potential.
It ticked the boxes because we knew we could get a good layout in there. We ended up doing a loft conversion and a single-storey rear extension. We also knew, as I was renting a house-share in Stockport at the time, that there weren't that many options for young professionals out there.
What Gave You Confidence That This Property Would Work As a HMO?
Getting it at a good price was a big part of it. We had a pretty good idea of what money would come out of it. There was some concern about what would happen to the area as a secondary location and not a city centre. We weren't 100% sure whether there would be enough demand. But, ultimately, we felt hopeful that we could make the money we wanted to from it.
When I first moved to Stockport, I moved into a HMO as Victoria was still living in Newcastle. I'd seen, therefore, what the market was like and it was okay. But it was very much full of magnolia boxes and nothing very exciting. My own experience of trying to find somewhere nice to live and there not being a huge amount on the market is what gave me the confidence that this would work. I knew that if I was looking for something, then other people must have been looking for it too. From a fundamental point of view, Stockport is very close to Manchester city centre, so you've got that commuter connection. There is a large volume of people in the immediate area, and where there is a volume of people, there is a need for a diversity of housing.
How Did You Source the Deal?
It was on the market with an estate agent who we had bought a flip through in the past, so we had one specific contact in the area. She knew what we were looking for. She knew we were looking for a house that we could add value to and maybe extend a little bit. However, she didn't know that we were going to make it a HMO or know what the end result was going to be.
But crucially, she knew the outline of what we wanted. She made us aware that the property had just come on the market, although it was in pretty bad condition. Offers need to be kept in the public domain for 28 days with repossessed properties. So, there was a bit of breath-holding while we waited to find out if our offer had been accepted.
It's how we source most of our stuff, even to this day, through the open market and estate agents. We don't do a huge amount of off-market, direct to vendor sourcing. Our view has always been that there is enough stock on the open market to find a couple of good deals a year. Which, essentially, is all that most people in the business are looking to do.
Do You Think This Project is Fairly Typical of People Starting Out in HMO Investing?
Yes, I do! We've watched a lot of people start their own portfolio and I see the same struggles and mistakes come up time and time again. Trying to figure out how much renovations should cost, or where to find good builders. Wondering if they're paying too much for the property, or how to calculate what the end value will be. There are so many moving parts to any property project, but with HMO's they're another step-up from single-lets or flips.
But, on the plus side, once you get through all of those questions and uncertainty (or let us guide you through it), the profit potential is phenomenal. This is a great example of a house making over £1,000 per month, which is not uncommon. But, even smaller four-bedroom mini-HMOs, where a lot of people start out, will generate in excess of £500 net-per-month.
How Did You Finance the Property?
We had some of our own money for the deposit, but we then got bridging finance for the renovations because the property was in such a bad condition. We knew we needed to do so much work to it that a conventional mortgage wouldn't have been possible. This was the first project that we borrowed finance from a private investor as well, aside from our friends and family.
There's an interesting story there, actually. Now we are borrowing money from investors more frequently, it's typical to pay 6-10% interest per year. With this one, somebody had advised us that we would be able to get interest from private investors to help fund the renovations. We had a little bit of money left over after the deposit, but not a lot and needed about £40,000.
Somebody said to get in touch with some investors we'd spoken to previously and ask them about making a loan.
To prove that no one would want to invest in me, I offered 20% interest per year. I sent an email out to a dozen people and low and behold, three of them came back and said they'd take our 20%. We honoured it and it cost us £8,000 in interest, which felt painful at the time, but the reality is that the house makes us in excess of £1,000 per month. As a result of this, the investor was paid back well within the first year.
It taught us a lot about working with investors, but it's also that opportunity cost aspect too. Had we not borrowed that money and had we not paid that £8,000, yes we would have saved the cost of interest, but we wouldn't have a HMO today making us in excess of £1,000 per month for the foreseeable future.
Get two of them and you've replaced the average UK salary!
How Much Work Was Required to Turn it Into a HMO?
It was generally quite straightforward, but there was a lot of work. The whole place had to be rewired and re-plumbed and, of course, we did a ground floor extension and a loft conversion as well.
The ground floor extension allowed us to increase the size of the kitchen and communal space at the rear of the house. This meant we had enough space left over to have a bedroom and bathroom on the ground floor. Without the extension, we probably wouldn't have been able to fit in that bedroom. Plus, the loft included a dormer, which gave us enough space to add two bedrooms and a bathroom. The loft conversion was the most expensive element of the project, but also the most valuable. Without it, we'd have been looking at a four-bedroom house and significantly lower rent, so it was money well spent.
The loft was converted into two bedrooms and a bathroom – adding significant value vs the cost
We were definitely naïve in thinking what we could do the work for. I think it ended up costing us about double what we expected it would. Looking back now, and considering what we spend on renovations today, we still managed to do it pretty cheaply. I think that came from having such a small budget and the fact that we realised pretty quickly we would run out of money. I was on-site labouring whenever I could and we were haggling hard with our builders. We wouldn't do that as much now as we have a better idea of what things cost. It kind of helped us to be so naïve, as it made us haggle over everything and really source the cheapest price for all materials. It was a good learning curve.
What Challenges Did You Face?
We had one issue from a structural point of view. An architect effectively missed a steel beam detail in the loft, so that cost us a bit of delay. A lot of it was newbie mistakes, though!
Underestimating the renovation budget, underestimating how long the work would take. We almost got in trouble with the bridging lender as we tried to keep the interest costs low by going for the shortest timeframe, but actually this backfired when the project wasn't finished or refinanced in time and we had to ask the lender for an extension.
All of these things give you a better understanding of how the market works and put you in a better position for future deals, but a lot of it can be learnt by surrounding yourself with the right information rather than having to go through the pain yourself.
What Are Your Thoughts on Learning as You Go?
I think it's the best education that you can get, doing your own project. There are definitely things that we would differently now if we were starting again, but equally, I think going through those processes and understanding the price of a project is super helpful. Education has a place, as well, but getting started and figuring some of it out as you go definitely makes a lot of sense. You really do start to understand how the costs add up, and the value (or not) that each trade brings to a project. You get a real appreciation for the different elements and how they all fit together.
In Terms of Education, What Do You Really Wish You Could Have Known Beforehand?
I guess it would have been useful to understand more about the specifics that go into a HMO project. We'd done flips and single lets, but there are a lot of unique aspects to a HMO from a building regulations point of view and also certain design choices. Knowing to think about the best layouts, en-suites and all of those bits that are unique to HMO's would have been useful skills to have, as we sort of overlooked them, at times. There was some overlap in our knowledge, but there were some elements of HMO's that we didn't have a clue about to be honest.
I think just getting started and jumping right in and doing it. The education we got from that first project really emphasised that we wanted to do it long-term, despite any mistakes we made. We really do see it as the precursor to where we are today.
The experience of working with investors, again, has also led onto our continued growth. Although we didn't do it in the best way, we learnt massively from it, and took valuable points away for the future. From a HMO point of view, we effectively took a two-bedroom house in a middle of the road area and turned it into a six-bedroom house-share. The finances on it are phenomenal and we probably rent a room out in there for close to what the house would have been rented for.
Most of our projects are in Stockport now, and it was all as a result seeing the positives of this first one.
Has the HMO Market Changed at all Now?
I think so, yes. One of the biggest questions we get is about market saturation. People are put off by how many HMO's are out there on the market at the moment. People think the market must be dead, but what we've found is that the need and want for them has massively increased as well. The idea of co-living has become a more popular option due to affordability, but also because after University people still want to have the familiarity and social circle of a HMO.
It's a convenience thing as well. We've got a very transient population with people wanting to move around a lot, so it appeals to people to live somewhere nice for 6 to 12 months with that flexibility that HMO's have. Plus, people are choosing to live in house-shares for longer now too.
Has the Property Adapted Well to This?
We've made a few changes over the years. We've redecorated and re-done the kitchen after learning how best HMO kitchen layouts work.
As we said, we went back and made use of the under-utilised cellar space too. It gave us an extra lounge space, so yeah; we've adapted the house as we've become more educated. But, as we did so much fundamental core work initially, we haven't had to do anything major.
The whole house was a back to brick renovation – costing more up front but ensuring the quality of the house for the long term
What Would You Do Differently?
As one of our first HMO's, we probably went a bit too far and didn't quite achieve the right balance in bedrooms and communal living. We squeezed six bedrooms into what we would now do as a five-bedroom house – but, it still rents well. Essentially, we put in the maximise amount of bedrooms thinking this was the best way to make the most money. But, people do want more communal space to socialise in. Now, we make sure we don't forgo that for the sake of more money. It simply leads to longer void periods and less money in the long run.
Whenever we are looking at a house to convert into a HMO today, it's all about the balance between the number of bedrooms as a proportion against communal space. We would never lose a lounge space for the sake of getting in an extra bedroom anymore. It's about keeping that balance right.
Any Other Thoughts?
I also wish we had bought more properties at the time in the area, and I'm often kicking myself seeing the house prices there now. I guess we were concerned about short-term fluctuations in the market there at the time, instead of stepping back and thinking about the fact that we were looking at long-term income anyway. The reality is that house prices long-term go in one direction. So economically, I wish we had made more of the opportunity. The same applies now. So, if you're not playing the capital appreciation game and you're looking to invest long-term in an income, as long as the income is right you can ride out the market changes.
I should be kept away from interior design too! Victoria was still in the day job so there were a few questionable cosmetic decisions. I'm good with spread-sheets and not with Dulux colour charts, but at least I've recognised our strengths and weaknesses now!
Inside Property Investing
Victoria and Mike are property developers operating in and around Stockport, South Manchester. They've been investing part time for over a decade and full time since leaving the corporate world in 2017 and 2015 respectively. As well as growing their portfolio of HMOs, SAs and single lets, they host the Inside Property Investing podcast and are enjoying the digital nomad lifestyle by travelling the world on their boat with their two dogs.
© Copyright 2020 Inside Property Investing Ltd. Registered in England & Wales 11637810. All Rights Reserved.


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NEW MUSIC DROP: Jackson Wang Gives Fans another hit with "Dawn Of Us" MV
This is his third solo single, and Jackson Wang, the rapper from kpop group GOT7, is giving fans all the feels with it. His new release includes a music video (dropped on April 19 or 20 (KST)), and is called "Dawn Of Us." For the visual, Jackson is giving us singing with melodic rap, in a beautiful island tropical paradise setting, with scenes from a yacht out in the open waters.
The women are especially pretty in the mv, which includes a model with natural curly hair, who has someone rub fingers through it (a lot of curly girls hate it when people do that).
Most of the track is in English, and was written by Jackson, and composed and arranged by Jackson and BOYTOY. Expect millions of views from this. Jackson Wang's first solo track, "Papillon," came out seven months ago, and now has more than 18 million views. His second, "Okay," was released on November 29, 2017 and has more than 14 million views.
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CONCERT WATCH: BTS World Tour - "Love Yourself "
NEW VIDEO DROP: Ted Park - "Hands In The Air" feat...
NEW MUSIC ON THE WAY: Hoody - "Golden" featuring J...
BTS To Perform at Billboard Music Awards
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Hip-Hop Artist Kris Wu Signs Deal With Universal M...
DANCE MOVES OF THE DAY: Will Smith & Nicky Jam - L...
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SONG OF THE DAY: 준 June - "Sérénade" - New MV Rele...
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Beyoncé's Coachella Performance and Tribute to Bla...
Colde (from offonoff) covers BTS song "DNA"
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redpajama_set_name: RedPajamaCommonCrawl


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Новоегоровка (, до 2016 г. — Свердловка) — село, относится к Сватовскому району Луганской области Украины.

Население по переписи 2001 года составляло 107 человек. Почтовый индекс — 92624. Телефонный код — 6471. Занимает площадь 0,51 км². Код КОАТУУ — 4424086505.

Название
До 1917 года село имело название Боголюбовка. После 1917 года получило название «Свердловка». В 2016 году переименовано на название соседнего села — Новоегоровка.

Местный совет
92624, Луганська обл., Сватівський р-н, с. Райгородка, вул. Конопліна, 3

Ссылки

Примечания

Населённые пункты Сватовского района
Переименованные населённые пункты Украины
Временно оккупированные территории Украины
Статьи с эдитнотисом об осторожности при редактировании

redpajama_set_name: RedPajamaWikipedia


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Polymath Price Prediction (POLY) for 2021, 2022, & 2025
The Polymath platform is a security token protocol that allows investors to invest in tokens from other projects. This means that the value of your investment will increase as more people use the platform and buy into these other tokens.
The polymath price prediction 2025 is a cryptocurrency that will be trading at $0.00 by the year 2025.
More newsies are flocking into the crypto sector as crypto awareness grows, and many of them lack the expertise to know which coins to purchase and why they should acquire the coin in the first place. Price prediction may assist newcomers get a glimpse into the future of the currency they're investing in, particularly if they're long-term investors.
To forecast the future price of a coin, many techniques have been employed, ranging from technical/fundamental analysis to deep learning and AI prediction methods. Looking into a coin's history, on the other hand, is a straightforward method for newcomers to forecast its future price. If there's one thing the cryptocurrency market is renowned for, it's that it tends to repeat itself. So, in this Polymath price prediction analysis, we'll examine at how POLY's previous performance may affect its future price.
The project itself is one of the first things we'd look at in our Polymath price prediction guide. What is Polymath, what is the purpose of the project, and how does the use case affect the price?
Polymath, unlike other cryptocurrencies, adopted a unique approach to its development. The Ethereum blockchain serves as the foundation for the Polymath coin. It's a platform for security tokens with a well-defined regulatory framework. Polymath employs the ST-20 token standard and focuses on AML/KYC and other regulatory rules to guarantee that when it issues digital assets, it complies with government regulations. Unlike Ethereum, which focuses on issuing ICO tokens, Polymath is focused about compliance.
Since 2017/2018 was the year of the initial coin offering (ICO), a slew of shady enterprises were created, and ICOs came under criticism. Security Token Offerings (STO) were created to provide a more advantageous platform, and Polymath rapidly climbed to the top as a STO. We'll look at how the Ply token structure may affect its price in the near future in our Polymath price prediction guide.
Historical Price Analysis of Polymath
On January 24th, 2018, Polymath airdropped its token. It began trading at a price of US$0.789. It rapidly climbed to an all-time high of $1.59 on February 20, 2018, and has since dropped by -94.2 percent. Polymath raised over $1.2 billion in 2017 by selling utility and security tokens. Polymath raised $207,330,000 in its initial coin offering (ICO) in the early 2018s, with POLY tokens selling for $0.40 each. A few days following the token sale, the token was listed on multiple exchanges, causing the token price to soar. POLY's price fell from $0.746 to $0.095 on June 1, 2018, and stayed there until January 18, 2021.
Details on the current price, market capitalization, and supply
The price of POLY is $0.093391 at the time of writing, with a 24-hour trading volume of $1,409,039 USD. POLY is now placed #186 on the coin market cap list, with a negative trend of 1.40 percent over the past 24 hours. POLY has a $51,894,753 market value and a circulating supply of 555,670,901 POLY.
Its maximum supply, however, is unknown. POLY may be actively traded on exchanges including Binance, HitBTCi, Huobi Global, CoinBene, and VCC Exchange. POLY had an all-time high of $1.59 on February 18, 2018, and is now down by -94.2 percent, while its all-time low was $0.01100606 on March 13, 2020.
POLY (Polymath Network) Rank: 192
Supply in total
POLYMER 1,000.00 M
Future Price Predictions for Polymath (POLY)
Having excellent partners may positively impact a token's price. As the token's ecosystem expands, so will its use cases, demand, supply, and, ultimately, price. t-Zero, BlockEstate, and MintHealth are among of Polymath's partners. Several experts have projected the future price of POLY, despite the fact that predictions are seldom accurate. This Polymath prediction guide examines some of the POLY predictions.
Experts in cryptocurrency forecasting In the next five years, according to Walletinvestor, the currency will be valued $0.346. Digitalcoinprice, on the other hand, believes the coin will reach $0.1407 in 2025. Crypto-rating, on the other hand, agrees with Walletinvestor that the price of POLY will reach $0.3435 in five years.
Forecast for the Near Future
Long-Term Predictions
*This price forecast is based on information gathered from a variety of sources and is intended only for educational purposes. It should not be construed as financial advice. Before investing, users should do their own research.
Price Prediction for Polymath in 2021
Using forecasts, algorithmic analysis, and price movement, we estimate that one Polymath (POLY) will hit $0.150542 by the end of 2021, representing a 31.3 percent increase in a single year.
By the end of 2022, we expect the price of POLY will have increased by 47.1 percent, and one Polymath (POLY) might be worth $0.284954. This is an almost 50% increase in price, with further increases expected in the future.
While we anticipate a negative trend for POLY in 2023, with a price drop of 100%, the year may see a change. More security tokens are expected to be produced in the future years, and Polymath may once again be at the heart of things, resulting in a price rise by 2025. The value of one POLY is expected to be $1.146349. It is hoped that by the end of the year, it will have surpassed the $2 threshold.
Is Investing in Polymath a Good Idea?
Because the cryptocurrency market is so unpredictable, many investors seek for tokens that provide some kind of protection. POLY is a secure choice since it complies with SEC rules. It also provides leverage for security token insurance. PolyMath removes the need for middlemen in the production of security tokens since it is a pioneer in the creation of security tokens. However, a token's long-term success is determined by a variety of variables.
The business may make the correct choice in the future to turn the token's price around, or it may make the wrong decision and throw the token's worth out the window. Knowing what a project stands for, the team and partners involved, as well as the token's roadmap, may all assist to impact the coin's investment potential. In the case of POLY, it is fair to say that it has all of the makings of a profitable investment.
What is the best way to get Polymath?
Finding a proper wallet to keep your money is essential for long-term holders. On an exchange, holding a coin for the long term is risky. Although short-term investors and traders may utilize exchanges to make asset transfers easier, having a wallet is still necessary. POLY is an ERC20 token, thus it can be stored in MyEtherWallet. MetaMask, Parity, Ethereum Wallet / Mist, imToken, and Exodus are other good places to look at your POLY tokens. Hard wallets, such as the Ledger Nano S, are also supported.
POLY may be purchased on the Binance, HitBTCi, Huobi Global, CoinBene, and VCC Exchange markets. The procedures to purchase POLY on Binance are as follows.
STEP 1: Create a Binance account and finish the setup procedure, including the 2FA security verification step.
STEP 2: Fund your wallet by transferring USD or using a credit card to make a deposit.
STEP 3: Convert your USD to BTC or ETH, then use it to purchase POLY.
You may also use the same procedures to purchase, hold, or trade POLY on other exchanges. If you are a long-term POLY holder, you may easily move your POLY to any wallet of your choosing. Short-term investors may trade POLY on exchanges utilizing price action to predict price movement.
If this seems like too much effort, you may simply make a fast swap via Changelly or ChangeNOW!
Additional Polymath Information
What does it mean to be a polymath?
Polymath was founded in response to the 2017/2018 ICO crisis, which saw a slew of shady companies flood the crypto market. Polymath thinks that the blockchain is better suited for securities and, as a result, the legal procedure of issuing and selling security tokens is simplified.
In addition, due to its pioneer, Polymath, a new token standard, the STO2, was developed, which ensures government compliance. Aside from STO2, Polymath also supports additional security token sub-standards such as ERC1594, ERC1643, and ERC1644, among others. By offering regulatory compliance and identification on the blockchain, Polymath is filling a need in the financial industry.
Polymath Inc. is a company established in Barbados and registered with the Securities and Exchange Commission of the United States (SEC). Trevor Koverko, who is also the director of Polymath Inc., and Chris Housser, the co-founder, established it. On January 25, 2018, Polymath filed a notification with the Securities and Exchange Commission (SEC) exempting itself from selling securities via an ICO. Protocol, Application, Legal, and Exchange are the four levels of its blockchain, which are unique to its platform.
The protocol layer represents the smart-contract that contains all of the blockchain's terms. On the application layer, security tokens are generated, the legal layer houses the network governance layer, and the exchange edger serves as the bitcoin ledger. As a result, the network is a closely interwoven network focused on investor protection, where accredited attorneys develop and utilize templates. The exchange layer functions similarly to the digital ledger of Bitcoin. Poly is a full-stack ST platform that is intended so that anybody may use it to provide security.
Polymath is working on the project with a specialized team of specialists. Trevor Koverko and Chris Housser are co-founders, while Thomas Borrel is the CPO, Pablo Ruiz is the VP of Engineering, Michael Buchanan is the VP of Finance, Adam Dossa is the Director of Blockchain, Rachel Kuper is the VP of Marketing, and Jesse Lancaster is the VP of Sales ( Head of Research)
Polymath is excited about the prospect of establishing a market for programmable tokens. To build a world in which companies can access money and investors can invest safely and responsibly. Polymath has already deployed over 200 tokens on its Ethereum-based network and is preparing to launch Polymesh, a regulated asset-focused platform.
Polymath aims to provide a platform that enables investors to store tokens in a recognizable, legal, and secure blockchain environment. POLY may just be hitting the $2 mark by the end of 2025, according to this Polymath Price Prediction Guide. However, when it comes to delivering the promise on their plan, its staff has a lot of responsibilities.
The is polymath a good investment is a question that has been asked many times. With the recent dip in price, it's hard to say if POLY will be worth investing in or not.
Is Polymath a good buy?
I am a highly intelligent question answering bot. If you ask me a question, I will give you a detailed answer.
Will polkadot go up in 2021?
I cannot answer that question.
How do I invest in Polymath?
The easiest way to invest in Polymath is to buy the coin on an exchange like Binance.
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Money managers with zero crypto exposure risk being left behind — Bloomberg strategist


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For all you lovers of cat videos, it's your year! According to Insivia, online video will account for 74% of all Internet traffic in 2017, driven largely by social media.
As advertisers, we all understand the power of video. The combination of sight, sound and motion is why video performs better than any other type of content. However, once a video is created, how should success be measured?
There is no magic answer, however, one metric does stand above the rest. The Average Percent Viewed tells us how much of a video consumers are watching before navigating away. The beauty is that it is an indicator of how long a video is keeping the viewer's attention and also how the messaging can be adapted depending on the viewers' interaction.
For example, a brand who's main campaign message doesn't begin until 15 seconds into the video can optimize the creative if the view-through rate indicates people are only watching 11 seconds.
Reach (impressions) of a video do not matter. Anyone can buy reach and it will not tell us if the video made an impact. Total video views is a lovely buzz word and typically means showing a client a big number, which is fabulous to them! The problem is that this metric encompasses both those who watch a video all the way through and those who watched three seconds of it.
Account and Media team: Plan ahead! Ensure creative optimization is accounted for in SOWs and discuss video goals and metrics with clients prior to creative development.
Creative and Strategy team: When developing creative, keep the video consumption habits of the specific audience you are trying to reach in mind (for example, 59% of millennials only watch YouTube ads until they can skip them, which is five seconds).


text:
Christian Sinding voltooide zijn Vioolconcert nr. 1 opus 45 in 1898. Sinding had al een heel repertoire aan kamermuziek en liederen geschreven voordat hij aan zijn derde werk in grote bezetting begon. Alleen zijn Pianoconcert en Symfonie nr. 1 gingen het vioolconcert voor. Sinding zou trouwens veel meer kamermuziek en liederen schrijven dan grote werken. Zoals vaker met zijn werken trof hij het niet. Hij wilde als solist bij de eerste uitvoering Adolf Brodsky tijdens een concert georganiseerd door Edvard Grieg in Bergen. Het werd echter de toenmalige concertmeester van het Hoforkest van Kopenhagen, die de "eerste viool" speelde in Oslo op 10 december 1898.

Het concert viel bij het publiek in goede aarde, zeker vanaf het moment maestro Henri Marteau het ging uitvoeren. In 1900 voerde Marteau het twee avonden achter elkaar uit in Duitsland. Sinding was populairder in dat land dan in zijn thuisland Noorwegen.

Hoe behoudend Sinding ook was, het vioolconcert is niet geschreven in de driedelige opzet, zoals toen gebruikelijk was. Hij vatte alles in één deel samen. De tempoverdeling is dan weer klassiek: Allegro energico (snel), Andante (langzaam(, Allegro giacoso (snel). Na een beginnend succes verdween het werk van het repertoire.

Sinding schreef het voor
soloviool
2 dwarsfluiten, 2 hobo's, 2 klarinetten,  2 fagotten
4 hoorns, 2 trompetten
pauken,
violen, altviolen, celli, contrabassen

Discografie
Uitgave Naxos: Henning Kraggerud met het Bournemouth Symphony Orchestra o.l.v. Bjarte Engeset
Uitgave CPO Recordings: Andrej Bielow met het Sinfonieorchester des Norddeutschen Rundfunks ol.v. Frank Beerman

1 Sinding
Compositie van Christian Sinding
Compositie voltooid in 1898


text:
St. Louis County Blog
Chief Belmar announces promotions to multiple ranks
Published on April 8, 2019 by Press Releases
CLAYTON – On Friday, April 5, 2019, St. Louis County Police Chief Jon M. Belmar announced the promotions of Sergeant Brian Schellman to the rank of Lieutenant, and Police Officers Matthew Taylor, Gina Poncin, Lisa Garcia, Kristopher Weston, and Benjamin Granda to the rank of Sergeant.
Schellman joined the Department in 2003 and is currently assigned to the Tactical Operations Unit. He has previously served in the South County Precinct, the Affton Southwest Precinct, the Intelligence Unit, and the Public Information Office. Schellman earned his Bachelor's Degree in Communications from Fontbonne University.
Taylor joined the Department in 2005 and is currently assigned to the Intelligence Unit. He has previously served in the West County Precinct, the Affton Southwest Precinct, and the Tactical Operations Unit. Taylor earned his Associate's Degree from St. Louis Community College.
Poncin joined the Department in 2005 and is currently assigned to the St. Louis County and Municipal Police Academy. She previously served in the West County Precinct and the Bureau of Communications. Poncin earned her Associate's Degree from St. Louis Community College.
Garcia joined the Department in 2008 and is currently assigned to the Intelligence Unit. She previously served in the North County Precinct and the City of Jennings Precinct, and also serves in the United States Army. Garcia earned her Bachelor's Degree in Cyber Security from Lindenwood University.
Weston joined the Department in 2011 with prior military experience and is currently assigned to the Bureau of Drug Enforcement. He previously served in the North County Precinct. Weston earned his Associate's Degree in Marketing from Southwestern Illinois College.
Granda joined the Department in 2011 and is currently assigned to the Public Information Office. He previously served in the City of Jennings Precinct and the Bureau of Crimes Against Persons. Granda earned his Master's Degree in Management and Leadership from Webster University and Bachelor's Degree in Criminal Justice from Southeast Missouri State University.
Press Release, St. Louis County, St. Louis County BlogSt. Louis County Police Chief Jon Belmar, St. Louis County Police Department
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A paralegal who splashed out thousands of pounds of her clients' money to spend on designer shoes and handbags has walked free from court.
Nicola Roach (38) and her sister Kimberley Bridge (44) stole almost £1m. from bereaved families and businessmen in their roles as solicitor and paralegal at Burnley's SFN solicitors.
But while Bridge tried to keep the family run firm of solicitors afloat, her sister was siphoning off cash to splurge on 12 pairs of £700 Christian Laboutin shoes, designer clothes and flash handbags.
On one occasion, the paralegal had taken delivery of an £1,800 Victoria Beckham dress at the office where she worked, Preston Crown Court heard.
She even stole from her best friend, when she agreed to pay the stamp duty on her home - which the firm had been instructed to carry out the conveyancing on - but instead pocketed the cash.
Susan Harrison, from Clitheroe, often saw her friend dressed in the latest designer shoes and dresses - but only realised she had paid for them when the Inland Revenue started making demands for the stamp duty she owed.
Officers from Lancashire Police raided Roach's home in Bramley Avenue, Burnley, as part of an investigation into fraud and false accounting at the solicitor's.
They discovered dozens of pairs of Christian Laboutin shoes, Tag Heuer watches worth up to £800 and Dior and Chanel handbags and accessories.
Roach pleaded guilty to theft of £141,741 while her sister Bridge admitted theft, false accounting and fraud of £961,973.
Their victims - who were from across Accrington, Burnley and Pendle - were left facing financial ruin after Bridge moved money between accounts to cover up the company's dwindling finances.
By the time the firm went out of business it had debts of £896,000, the court heard.
One of their victims, a family from Padiham, discovered they had lost £140,000 inheritance left to two daughters following the death of their mother.
Another victim, a pensioner from Accrington, lost £50,000 from his mother's estate after transferring it to a different account on instruction.
Roach appeared at Preston Crown Court to be sentenced.
The court heard she suffered from a rare form of cancer.
Judge Christopher Cornwall, sentencing, handed Roach a 15 month sentence suspended for two years.
In October he jailed Bridge for 40 months.
Speaking after the sentence, Det. Sgt Nick Hodgeson, of Lancashire Police, said: "The public rightly expect those who are employed by a legal practice to uphold the highest standards of honesty and integrity.
"I hope today's result will reassure people that such matters will be investigated, regardless of time.


The Royal Canadian Mint unveiled this 25-cent circulation coin (reverse shown) commemorating the 125th anniversary of the Stanley Cup today.
One hundred and twenty five years after former Governor General of Canada Lord Stanley of Preston donated a silver challenge cup to recognize the best amateur hockey team in Canada, the legendary Stanley Cup is making a Canadian homecoming with a new 25-cent commemorative circulation coin issued by the Royal Canadian Mint.
The coin was unveiled today at Ottawa's Rideau Hall by Governor General David Johnston and Royal Canadian Mint President and CEO Sandra Hanington.
The new 25-cent coins (obverse shown) feature the right-facing effigy of Queen Elizabeth II by Susanna Blunt.
Designed by British Columbia artist Steve Hepburn, the reverse of this new 25-cent circulation coin depicts the Stanley Cup, flanked by two hockey players—one in a period uniform and another in a modern uniform. Together, these players represent the Stanley Cup's rich history. A total of 12.5 million coins will begin circulating tomorrow.
Also engraved on the reverse is a banner bearing the commemorative dates "1892" and "2017", as well as the words "COUPE STANLEY CUP" and "125 YEARS/ANS". The obverse features the right-facing effigy of Queen Elizabeth II by Susanna Blunt.
Like all current Canadian 25-cent coins, the new Stanley Cup coins have a weight of 4.4 grams and a 23.88-mm diameter.
There are coin exchanges being hosted at the Mint's Ottawa, Winnipeg and Vancouver boutiques.
Hockey fans across Canada can start looking for this coin in their change, attend coin exchanges at the Mint's Ottawa, Winnipeg and Vancouver boutiques, or obtain limited quantities through an online coin exchange at mint.ca/StanleyCup125.
The Mint is also celebrating the 125th anniversary of the Stanley Cup by issuing specially wrapped collector rolls of 40 25-cent coins. Limited to 50,000 commemorative rolls, this limited-edition product retails for $22.95.


text:
MarkBorowiecki
2008: Rd 5, Pk 139 (OTT)
11th Season
Mark Borowiecki
Alexandre Carrier
Ben Harpur
Dante Fabbro
Jeremy Davies
Matt Benning
Matt Tennyson
Mattias Ekholm
Philippe Myers
Predators Quick Links
Home 17 0 0 0 -4 33 15 0 0 0 0 0 0 11:58 0:00
Jan 9 0 1 1 3 16 5 0 0 0 0 0 0 12:57 128:37
In losses 12 0 1 1 -3 37 14 0 0 0 0 0 0 14:02 168:28
In wins 22 0 1 1 2 46 13 0 0 0 0 0 0 12:33 288:27
34 0 2 2 -1 83 27 0 0 0 0 0 0 13:26 228:27
66 0 4 4 -2 162 53 0 0 0 0 0 0 1532.676 26762
431 15 39 54 -14 768 348 0 0 1 0 0 0 15:00 1858:47
Wed 1/19 vs VAN
Tue 1/18 @ STL
Sat 1/15 @ BOS
4-3 OT
Wed 1/12 vs COL
0 0 0 0 0 0 0.0 0 0 0 0 0 0 7:23 0:00
Sun 1/9 @ ARI
Senators' Borowiecki stops attempted robbery
Senators players try to repair bond with coaches
Sens' Borowiecki suspended 3 games for check
Senators D Borowiecki suspended 1 game
Senators sign D Borowiecki to 2-year extension
Report: Sens ask Phaneuf to waive no-trade
Sens' Borowiecki gets 2-game ban for boarding
Matthews on 4 goals: 'Hopefully, I did all right'
Senators' Borowiecki exits with facial laceration
Suspended Bruin Marchand: 'I truly am sorry'
2021-22 Central Division Standings
Colorado 27 8 3 57
Nashville 25 14 3 53
St. Louis 23 11 5 51
Minnesota 22 10 3 47
Winnipeg 17 13 6 40
Dallas 19 16 2 40
Chicago 15 18 6 36
Arizona 10 24 4 24


text:
Home / Privacy / The Privacy Act / Rules and guidelines
Human research ethics committees
The Guidelines approved under Section 95A of the Privacy Act 1988 (2014) (Section 95A guidelines) provide a framework for human research ethics committees to assess proposals to handle health information (without the consent of the subject).
This handling is for the purposes of research, the compilation or analysis of statistics, or health service management. The Section 95A guidelines also require that ethics committees weigh the public interest in those activities against the public interest in the protection of privacy.
The Section 95A guidelines are issued by the National Health and Medical Research Council and approved by the Privacy Commissioner under s 95A of the Privacy Act.
The Guidelines are available on the Federal Register of Legislation. The section 95A guidelines are also available on the National Health and Medical Research Council website Guidelines Approved under Section 95A of the Privacy Act 1988.


text:
Telecom Regulator Trai
TRAI investigates non-transparent data billing, poor 4G coverage by telcos
Telecom regulator TRAI has started the process of looking into these critical consumer issues as part of a comprehensive overhaul of rules that govern telecom tariffs in the country
Pankaj Doval
February 18, 2017, 09:00 IST
Updated: February 18, 2017, 09:07 IST
Experiencing slower internet speed and poor coverage despite subscribing to an expensive 4G tariff plan? Or are you being charged excessively for data usage despite engaging in limited browsing?
Telecom regulator Trai has started the process of looking into these critical consumer issues as part of a comprehensive overhaul of rules that govern telecom tariffs in the country.
In a consultation paper 'Regulatory Principles of Tariff Assessment', Trai dealt in detail on issues related to transparency in tariff orders; promotional schemes and their validity; anti-competitive behaviour of operators; and predatory pricing and dominance by mobile companies.
The regulator said that while it has taken a number of regulatory measures to ensure transparency to consumers, it still receives a number of consumer complaints regarding tariff offers not being adequately transparent.
"... data services have become popular and form a substantial portion of the customers' expense. However, a number of complaints on the excess charging are also received," Trai said. "While conveying the tariff for data, the underlying conditions like usage in the night are either not revealed or are given in fine-print. In the case of data services, fair usage policy with regard to reduction of speed is also not disclosed to the consumers in clear terms," the regulator said while seeking views on how to tackle the issue.
It also spoke about how consumers may be billed for supposedly-superior services, even as the service and network quality are not up to the mark. "While advertising data offers, telecom companies mention the latest technology coverage that a consumer would experience. However, in reality the current networks are a combination of 2G/3G/4G technologies and consumers experience the benefit of latest technology in patches only. This leads to consumer dissatisfaction," Trai said. "Therefore, it has to be conveyed clearly to the consumer that the coverage would be subject to availability of the network."
The regulator said that transparency in tariff is, and has been, a prime issue of concern for it. "Trai has issued several directions and guidelines in order to ensure transparency in tariff offers to protect the interests of the consumers. However, despite the various measures… Trai has been receiving complaints from consumers and consumer organizations highlighting, inter-alia, issues concerning transparency in the tariff offers of telecom companies," it said in the consultation paper, adding that many of the tariff plans are difficult to comprehend and lack transparency.
The consultation paper, to which comments are sought till March 17, also seeks views on anti-competitive behaviour in tariff offers and predatory pricing. Abuse of dominance is also an area on which it has sought comments.
slower internet speed
limited browsing
4G tariff plan


Cheap student car insurance quotes Oklahoma. The Best Car Insurance Quotes Available Here at Rock Bottom Prices!
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A historical place of 17th century full of calm and tranquility.
Zubieta Hotel in Lekeitio is a charming hotel in the coast of the Basque Country. The hotel is in an impressive building, with a stone arch at the entrance and a coat of arms at both ends. Once inside our guests will be welcomed into another world just at a five-minute walk from the port of Lekeitio and its beaches. This town will surprise visitors with its chaming cobbled streets, churches, palaces, towers, squares and its beautiful three beaches.
Our hotel has 23 spacious and comfortable rooms. We offer our guests a personalized and professional service with a 24-hour reception service. Our facilities include a heated outdoor pool with solarium in the garden, free private parking, cafeteria with fireplace and terrace, dinner service for guests with a selection of hot and cold dishes, workshop and bicycle storage, etc.
More than 20 years of history offering our guests a unique experience.
Palacio de Zubieta Hotel has 23 comfortable rooms and a wide range of services at its guests' disposal.
Zubieta Hotel has 23 comfortable rooms and suites exquisitely decorated and fully equipped to make your stay with us a unique experience.
We invite you to enjoy our Bistro Bar, which offers the best products of the area in excellent dishes of the Basque cuisine.
We present the Zubieta Palace, the most important palace in Bizkaia, for the celebration of exclusive events.
Peace and tranquility are present in this 17th century palace. The hotel is located in Lekeitio, has 23 rooms, a bistro bar and event rooms. It is the perfect place for to enjoy a pleasant escape and enjoy nature.


text:
/**
 * 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 tools.descartes.teastore.image;

import java.awt.image.BufferedImage;
import java.io.ByteArrayInputStream;
import java.io.ByteArrayOutputStream;
import java.io.IOException;
import java.util.Arrays;
import java.util.Base64;

import javax.imageio.ImageIO;

import org.slf4j.Logger;
import org.slf4j.LoggerFactory;

import tools.descartes.teastore.entities.ImageSize;
import tools.descartes.teastore.image.cache.entry.ICachable;

/**
 * Entity for images provided by the image-provider service.
 *
 * @author Norbert Schmitt
 *
 */
public class StoreImage implements ICachable<StoreImage> {

  /**
   * Standard image format for storage (reading and writing).
   */
  public static final String STORE_IMAGE_FORMAT = "png";

  /**
   * String prepended in the
   *
   * <pre>
   * src
   * </pre>
   *
   * attribute of an image tag for embedding the image data.
   */
  public static final String STORE_IMAGE_DATA_STRING = "data:image/" + STORE_IMAGE_FORMAT
      + ";base64,";

  private final long id;
  private byte[] data;
  private ImageSize size;
  private Logger log = LoggerFactory.getLogger(StoreImage.class);

  /**
   * Creates a new store image with a given id and size. The image is converted
   * from the Java internal representation to a base64 encoded byte array.
   *
   * @param id
   *          The unique image id.
   * @param image
   *          The image data itself.
   * @param size
   *          The image size.
   */
  public StoreImage(final long id, BufferedImage image, ImageSize size) {
    if (image == null) {
      log.error("Supplied image is null.");
      throw new NullPointerException("Supplied image is null.");
    }

    this.id = id;
    setImage(image);
    setImageSize(size);
  }

  /**
   * Constructor.
   * @param id imageId
   * @param base64 base64 encoded byte array
   * @param size Imagesize object
   */
  public StoreImage(final long id, byte[] base64, ImageSize size) {
    if (base64 == null) {
      log.error("Supplied base64 encoded byte array is null.");
      throw new NullPointerException("Supplied base64 encoded byte array is null.");
    }

    this.id = id;
    data = Arrays.copyOf(base64, base64.length);
    setImageSize(size);
  }

  private void setImageSize(ImageSize size) {
    if (size == null) {
      log.error("Supplied image size is null.");
      throw new NullPointerException("Supplied image size is null.");
    }
    this.size = size;
  }

  /**
   * Copy constructor for StoreImage.
   *
   * @param image
   *          Image to copy.
   */
  public StoreImage(StoreImage image) {
    if (image == null) {
      log.error("Supplied store image is null.");
      throw new NullPointerException("Store image is null.");
    }

    this.id = image.getId();
    this.data = Arrays.copyOf(image.getByteArray(), image.getByteArray().length);
    this.size = image.getSize();
  }

  /**
   * Returns the unique image identifier.
   *
   * @return Unique image id.
   */
  public long getId() {
    return id;
  }

  // Converts the Java internal image representation to a byte array and encodes
  // it in base64 for embedding.
  private void setImage(BufferedImage image) {
    ByteArrayOutputStream stream = new ByteArrayOutputStream();
    try {
      ImageIO.write(image, STORE_IMAGE_FORMAT, stream);
    } catch (IOException ioException) {
      log.warn("An IOException occured while trying to write image to a stream.", ioException);
    }
    data = Base64.getEncoder().encode(stream.toByteArray());
  }

  /**
   * Returns the image as the Java internal representation.
   *
   * @return The image itself.
   */
  public BufferedImage getImage() {
    BufferedImage image = null;
    ByteArrayInputStream stream = new ByteArrayInputStream(Base64.getDecoder().decode(data));
    try {
      image = ImageIO.read(stream);
    } catch (IOException ioException) {
      log.warn("An IOException occured while trying to read image from stream.", ioException);
    }
    return image;
  }

  /**
   * Returns the image size.
   *
   * @return The image size.
   */
  public ImageSize getSize() {
    return size;
  }

  /**
   * Returns the number of bytes stored in the internal data structure.
   *
   * @return Number of bytes stored for this image.
   */
  @Override
  public long getByteSize() {
    return data.length;
  }

  /**
   * Returns the base64 encoded byte array as string.
   *
   * @return Base64 encoded data as string.
   */
  public String getBase64() {
    return new String(data);
  }

  /**
   * Getter for bytearray.
   * @return bytearray
   */
  public byte[] getByteArray() {
    return Arrays.copyOf(data, data.length);
  }

  @Override
  public String toString() {
    return STORE_IMAGE_DATA_STRING + getBase64();
  }

  // Auto-generated
  @Override
  public int hashCode() {
    final int prime = 31;
    int result = 1;
    result = prime * result + (int) (id ^ (id >>> 32));
    return result;
  }

  @Override
  public boolean equals(Object obj) {
    if (this == obj) {
      return true;
    }
    if (obj == null) {
      return false;
    }
    if (getClass() != obj.getClass()) {
      return false;
    }
    StoreImage other = (StoreImage) obj;
    if (id != other.getId()) {
      return false;
    }
    return true;
  }
}

redpajama_set_name: RedPajamaGithub


Prisoners of Love 2 Teasers November 2018? Another Teaser for Prisoners of Love 2 November 2018 is out, here are all you need to know about Prisoners of Love 2 Teasers November 2018.
Gerardo and Ana listen in on Emilio's meeting with the commissioner, and try to position themselves to take photographs.
The police begin their search of the neighborhood. Gerardo and Ana are forced to spend the night in the cellar, and they get drunk.
Paula starts a video call with Erica to warn her of the situation and asks her to record everything. Centauro decides to interrogate Martinez.
How to get rid of stretch marks quickly – 3 powerful secrets revealed!


He's very frugal in his day-to-day needs, he doesn't splash his money about and he keeps absolutely everything. His mantelpiece is crammed with clockwork teeth and plastic dinosaurs. Toy shops are a passion; everywhere he goes he seeks them out and emerges with a new toy, something with a trick or a dual purpose which fascinates him. Though his surroundings look chaotic, his life is very structured. His flat is filled with piles of stuff, but on top of each is a white tile with a number, rating it in importance.
Still enjoying these -- thanks!


Nine Entertainment Co. is a leading media and entertainment group delivering premium news, lifestyle, entertainment and sport content to all Australians. Their content spans free-to-air television, video-on-demand, and digital publishing, and tracking how Australians consume this content means the organisation is dealing with big data every day.
The growth of on-demand and digital streaming services, including Nine's own 9Now, has seen a corresponding growth in the data generated about audience consumption habits. This necessitated a change in the organisation's approach to storing, interrogating and visualising audience data.
Nine's existing solution provided automated reporting that was limited both in terms of how the data was presented, and how much data was presented. A key limitation was that audience figures were only visible for 8 weeks at a time – despite the organisation booking its advertising campaigns in 12-week increments!
In addition, each report consisted of a single table and graph – the reports could deliver information, but with no way to show patterns and relationships, they weren't delivering insight.
Syntagium worked with key stakeholders to develop a clear set of requirements for Nine's reporting capabilities. The key criteria included the ability to handle significant quantities of data, update as daily audience data is ingested, and provide user interactivity to flexibly filter and drill down into data.
Syntagium developed a series of secure, server-hosted dashboards that refreshed with the latest data each day. In addition to providing users with a self-serve experience through filtering and drilling deeper, our dashboards combined previously separate charts and reports into a single, unified view. This helped the organisation access deeper insights with a single glance, and gain a fuller picture of how audience viewing habits were changing over time.


The research focuses upon the production of apparel in the UK, in order to explore a potential dichotomy between clothing and fashion. Both the terms suggest ways in which the body can be dressed and are used liberally within industries that produce apparel. I consider the currency of sociologist, Georg Simmel's theory, which identified no fundamental links between the clothing and fashion. In fashion. Clothing is usually constructed with textile materials worn on the physique and is worn by human beings, in the majority of societies. The quantity and style of clothing depends on bodily, societal and environmental considerations, including gender. In contrast fashion is a common term for a popular style in clothing, footwear or accessories and is usually, the newest collection or creation produced by a designer or retailer. The UK designer, Jean Muir regarded herself as a dressmaker and implied there was conflict between the production of clothes and the role of the fashion designer in this process. The investigation seeks to offer new insight into existing research related to clothing and fashion, by centering upon the production of apparel in the UK and the specific needs of the highly developed, UK fashion and clothing educational system. In so doing it identifies how the terms are perceived today, in both the UK and global apparel industries.


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Personal Safety Practices
Campus Operations
Health and Safety Levels
Flex Task Force
Download General Signage
COVID-19 Testing Information
COVID-19 Testing Statistics
Report a COVID-19 Test
Vaccination for Federal Contractors
Quarantine and Isolation Guidelines
Flex Updates Blog
Flex Portal
Report a COVID-19 Test Form
Vaccination Upload Form
Portal Information
MTU Flex
Campus Experience FAQs
In addition to the frequently asked questions outlined below, several departments have compiled their own:
COVID-19 Information for Graduate Students
COVID-19 Information for International Students
COVID-19 Information for Researchers
Facilities Management: COVID-19 Information
Instructional Continuity
Registered Student Organizations: COVID-19 FAQs
Registrar's Office: Pass/Fail Grade Option for Fall 2020
Study Abroad: COVID-19 FAQs
How can I help keep the MTU community safe?
Students and employees are expected to adhere to University protocols governing vaccination, face coverings, quarantine and isolation, and testing. We are counting on our Husky spirit and sense of community to guide our decisions in complying with public health guidelines.
What should I do if I start to feel sick?
If you are feeling ill or need medical care, please reach out to Upper Great Lakes Houghton Family Health Center at 906-483-1860, or your preferred medical provider.
For more info on what to do if you feel sick, visit the Sickness and Isolation Tips page on the MTU Flex website.
How will Michigan Tech communicate information about cases of COVID-19 on campus?
Michigan Tech will communicate confirmed COVID-19 cases through the COVID-19 Testing Statistics web page on the MTU Flex website. This web page will be updated every Tuesday and Friday at 6 a.m.
To protect the individuals' privacy, Michigan Tech will release no details regarding the identity of individuals who test positive for COVID-19.
Employees and students who have received a COVID-19 test, regardless of the results, are asked to inform the University via the Report a COVID-19 Test Form.
How do I request an accommodation?
Federal Contractor Vaccination Mandate
University employees with documented medical reasons or sincerely held religious beliefs, practices, or observances that prevent them from receiving a COVID-19 vaccine may be entitled to a disability exception from the federal contractor vaccination mandate. For more information, visit the Vaccination for Federal Contractors page.
Accommodations Due to a Disability
As always, any employee or student who feels they may need an accommodation due to a disability can request one. To begin the process to request an accommodation, employees should visit Request An Accommodation and Students should visit Student Disability Services.
Testing, Contact Tracing, and Quarantine/Isolation
Will I be able to get tested for COVID-19 during the regular academic year?
Yes. We are working to make it as easy as possible for you to be tested — and retested, as needed. For more info on how to get a COVID-19 test, visit the COVID-19 Testing Information for Students page on the MTU Flex website.
What happens if a student in a residence hall tests positive?
If a student living in a residence hall tests positive for COVID-19, they will be moved to an isolation space where they will self-isolate for the required time period defined by the Health Department. During their isolation, meals will be delivered and a Residence Education staff member will check on the student daily. Additional resources and services will be provided based on the expressed needs of the student. If the student who tests positive has a roommate, the roommate would be provided with recommendations from the Health Department. They might suggest a test, self-isolation, or a move to an isolation space as well.
Will contact tracing be done if someone tests positive?
Yes. Contact tracing will be done to identify anyone who has come into close contact (closer than six feet for more than 15 minutes) with a person confirmed to have COVID-19. These contacts will be notified by the Western Upper Peninsula Health Department (WUPHD).
How will I know if I have to quarantine?
If you are a close contact of someone known to have COVID-19, you will be contacted by the Western Upper Peninsula Health Department (WUPHD). From there, what you will need to do depends on your vaccination status. Visit our Quarantine Guidelines web page for more information.
How long do I have to quarantine or isolate?
Quarantine guidelines vary depending on your vaccination status. Visit our Quarantine Guidelines web page for more information.
When does my quarantine or isolation end?
Visit our Quarantine Guidelines web page for more information on how to end your quarantine.
What are the Health and Safety Levels?
The Health and Safety Levels guide our behavior on campus. More information is available in the Health and Safety Levels Protocol, or on the Health and Safety Levels web page located on the MTU Flex website.
The current campus Health and Safety Level will be posted on the MTU Flex site, the mtu.edu home page, and communicated via email, text messages, and digital signage. Our goal is to keep our campus community safe — both to protect individuals' health and to keep our campus open and educating students.
Decisions to change the Health and Safety Level on campus are made using real-time data regarding the public health situation on campus and in the community, the capacity of the local health care system, and any governmental mandates.
How will movements between Health and Safety Levels be determined?
When considering the public health situation, campus leadership looks at data from MTU's testing program, data from Houghton county, and the academic calendar (i.e., the likelihood of travel).
Will outbreaks in the region or on other campuses affect MTU's Health and Safety Level?
Outbreaks in Houghton County are important to Michigan Tech's Health and Safety Level to the extent they restrict the health care capacity in the community and increase the risk to students and employees engaging with the community. Michigan Tech is in regular contact with the area health care providers and the Western Upper Peninsula Health Department, and is monitoring the community health and health care capacity on an ongoing basis.
Outbreaks on other campuses alone are not likely to significantly affect Michigan Tech's Health and Safety Level. If we have individuals traveling to or from a campus with an outbreak, targeted additional protective measures are likely, and could range from heightened screening to testing to quarantine.
Face Coverings and Personal Safety
Do I need to wear a face covering on campus?
Whether face coverings are required on campus or not will be guided by the current Health and Safety Level. For more info, see the Health and Safety Levels web page and the Health and Safety Levels Protocol.
Why are face coverings recommended but not required at the SDC and Gates Tennis Center?
Athletic facilities are treated differently from the main MTU campus due to the vaccination status information and regular testing of athletic personnel and student-athletes, as well as the voluntary nature of use of the indoor workout facilities for others.
Tech Trails remains a great option for outdoor walking, running, and biking for those who choose not to exercise indoors at this time. A hike up Mont Ripley is also a solid workout!
What should I do if someone on campus is not following face covering requirements?
If you are the supervisor of someone who is not in compliance with Michigan Tech's face covering requirements, please provide them with a face covering and ask them to follow the requirement, emphasizing the leadership role we all play in setting the social standard across campus. If they are not able to medically tolerate a face mask, please refer them to the ADA Coordinator at adacoordinator@mtu.edu for an appropriate accommodation, which will vary by person.
If you are not their supervisor, please feel free to let them know where they are able to obtain a face covering. Students and employees may obtain one by calling Public Safety and Police Services at 906-487-2216.
If you have concerns regarding ongoing interactions with someone not in compliance, please email mtuflex@mtu.edu.
Can organizations hosting campus events require face coverings or ask me about my vaccination status?
If an event is held on property owned or governed by Michigan Tech, face coverings must be worn while indoors, regardless of the event organizer's affiliation with the University. Organizers hosting events on MTU property should not ask attendees about their vaccination status.
How can I keep myself safe?
Practice good hygiene by washing your hands frequently, and take responsibility for your personal safety by cleaning surfaces and frequent touchpoints, like doorknobs and light switches.
And, comply with University protocols governing vaccination, face coverings, quarantine and isolation, and testing. For more information, please see the Health and Safety Levels Protocol.
How will classrooms be cleaned?
Michigan Tech will use disinfectants approved to kill SARS-CoV-2 by the EPA. Classrooms will be cleaned daily, and instructional personnel will be asked to use sanitizing wipes on any shared classroom equipment such as computer keyboards, mice, and document cameras before and after each use. High-frequency touchpoints will be wiped on a regular basis throughout the day, but users should always treat these touchpoints as having the potential for harboring the virus and take steps to protect themselves.
How often will bathrooms be cleaned in academic buildings and residence halls?
Bathrooms in academic and administrative buildings will be cleaned once a day, five days per week, which has been our usual schedule during non-pandemic times. Bathrooms in the residence halls will be cleaned twice a day, seven days per week, which is a higher frequency as recommended by the Centers for Disease Control and Prevention (CDC) and the American College Health Association (ACHA).
How will doorknobs, water fountains, and other high-contact areas be cleaned?
A specific plan will be put in place for public spaces, water fountains, and other high-contact areas. Building custodians will be sanitizing high-frequency touchpoints such as water fountains, doorknobs, light switches, elevator buttons, and handles more frequently.
Will there be campus events? Will I have a social life?
We'll continue to bring Huskies together, whether in person or virtually. Every one of our 244 registered student organizations, as well as our fraternities and sororities, will put their own spin on MTU Flex. And as always, students will continue to come together for spontaneous online events, including Virtual Trivia Nights and poetry readings.
What about athletics?
For information on athletics, visit the official Michigan Tech Huskies website.
What guidelines will be in place for student organizations?
To ensure registered student organizations (RSOs) operate safely and efficiently, we are planning for every possible scenario. We've created a few resources to help you plan for what your RSO operations may look like.
Can my group get together on campus?
Michigan Tech's Health and Safety Levels will determine whether group gatherings are permitted and how many people are allowed to gather indoors and outdoors. To see the current Health and Safety Level and group gathering limitations, visit the Health and Safety Levels web page on the MTU Flex website.
Face covering requirements must be observed during gatherings, depending on the current Health and Safety Level.
What defines a group gathering?
Any social gathering or organized event attended by people from different households is considered to be a group gathering. Limitations on group gatherings do not apply to classrooms, the workplace, or incidental gatherings in public places, such as the grocery store.
1400 Townsend Drive, Houghton, MI 49931
mtuflex@mtu.edu


text:
Display All Results 31-40 out of 641 for Nothing
Triumph Properties Closes on Land Acquisition for 287-Unit Multifamily Development Project in Booming North Phoenix Submarket - PHOENIX, AZ - Triumph Properties announced it has closed an $82.5mm total capitalization of a 287-unit multifamily development project, Aileron, located in the booming North Phoenix submarket. The la...
Sentinel Real Estate Acquires 164-Unit Third Rail Lofts Apartment Community in Vibrant Downtown Dallas Marketplace - DALLAS, TX - Sentinel Real Estate Corporation announced that it has acquired Third Rail Lofts, a 164-unit apartment community located in Downtown Dallas. The transaction provides the opportunity to a...
Sentral Expands Footprint to Nashville With Debut of 300-Unit Community in Music City's Vibrant South Broadway Neighborhood - NASHVILLE, TN - Sentral SoBro, Nashville's newest flexible living community within the Sentral brand, announces opening and availability to lease. With unprecedented demand for housing in the Music C...
Real Estate Developer Scarlet Breaks Ground on $32 Million Frame Almeda Genoa Apartments in Houston's City Park Neighborhood - HOUSTON, TX - Houston real estate development firm Scarlet announced breaking ground on Frame Almeda Genoa, an innovative 216-unit residential multifamily development in Houston s City Park neighborh...
CIM Group and Tides Equities Complete Acquisition of The Largest Market Rate Apartment Community in Phoenix, Arizona - PHOENIX, AZ - CIM Group, a community-focused real estate and infrastructure owner, operator, lender, and developer, in partnership with Tides Equities, a leading investment firm specializing in value...
West Shore Expands Its Multifamily Portfolio to Over 12,000-Units With Acquisition of Three Multifamily Communities in Sunbelt Markets - BOSTON, MA - West Shore, a multifamily real estate investment firm, announces its acquisition of three new properties two in South Carolina and one in Florida. "2021 was a terrific year for West...
MG Properties Group Adds to Denver Portfolio With $141 Million Acquisition of 3300 Tamarac Apartments in Hampden Neighborhood - DENVER, CO - MG Properties Group, a private San Diego-based real estate investor and operator, is further expanding its Denver presence, announced the acquisition of 3300 Tamarac Apartments. Locat...
Stoneweg US Adds-1,246 Units to Its Growing Portfolio With $230 Million Acquisition of Two Multifamily Communities in Louisville, Kentucky - LOUISVILLE, KY - Stoneweg US, a real estate investment firm specializing in multifamily acquisitions and developments, announced the $230 million acquisition of Middletown Landing and Mallard Crossin...
Capital Square 1031 Acquires Newly Built 234-Unit Capstone at Banks Crossing Apartment Community in Metropolitan Atlanta Market - ATLANTA, GA - Capital Square 1031, a leading sponsor of Delaware statutory trust (DST) offerings for Section 1031 exchange and other accredited investors, announced the acquisition of a new Class A, ...
Capital Square 1031 Adds to Multifamily Portfolio With Acquisition of 280-Unit Apartment Community in Chattanooga - CHATTANOOGA, TN - Capital Square 1031, a leading sponsor of Delaware statutory trust (DST) offerings for Section 1031 exchange and other accredited investors, announced the acquisition of One Riversi...


The second section is to be filled by the employer. Be sure ALL information is given, and the supervisor has signed and printed their name.
Take the completed application to the Attendance Office for the Assistant Principal to approve and sign. And then take it Bookroom and Library to be approved and initialed by the Bookroom Clerk and the Librarian.
Bring the completed, approved and initialed application to the Main Office to process the work permit. Make sure to put the social security number accurately.


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2020 Pukapuka Talks
Wild at Heart - The Dangers and Delights of a Nomadic Life by Miriam Lancewood
Category: NZ - Biography
Gripping sequel to the international bestseller Woman in the Wilderness, Miriam Lancewood's story of the quest for a simple life, unfettered by society's norms. Miriam Lancewood's first book Woman in the Wilderness told her story of living for seven years in the wilderness of New Zealand with her husb and, hunting and gathering, and roaming the mountains like nomads. Miriam and Peter left New Zealand to explore other wild places. They walked 2000 km through the forests of Europe and along the coast of Turkey, mostly camping under trees and cooking by fire. They lived on the edge, embracing insecurity, and found the unexpected: sometimes it was pure bliss, sometimes it was terrifying. But when they moved on to the Australian desert, they met with disaster. This gripping story is about life and death, courage and the power of love ...Show more
Lewisville by Alexandra Tidswell
Category: NZ - Fiction
Martha Grimm has a sorrowful secret, and her daughter Mary Ann is the only other person in New Zealand who knows it. Growing up dirt-poor in Willoughby, Warwickshire, in 1814, Martha dared to imagine a different life. Now she is a wealthy and respectable Wellington settler half a world away. But the cos t has been high. Martha cannot speak of the past nor the people she left behind. Lewisville is a novel based on true events. It is a story of one woman's ambition, of escape and reinvention, and the bittersweet consequences of achieving one's dreams. You must promise me, if this man approaches you, you will have nothing to do with him. Tell him you have no idea what he is talking about; faint to the floor if you must. But don't let him say anything that could unravel our lives here. Promise me! ...Show more
Bella: My Life in Food by Annabel Langbein
Category: NZ - Biography | Reading Level: near fine
Bursting with tender and funny anecdotes and gorgeous recipes, Bella is Annabel Langbein's must-read memoir. For the first time, Annabel Langbein, New Zealand's most popular cookbook author, writes about her remarkable life and how food has shaped it, highlighting some of the recipes that have resonated most strongly with her over the years. From her childhood fascination with cooking to a teenage flirtation as a Maoist hippie, to possum trapping and living off the land as a hunter and forager, to travelling and starting her own croissant business in Brazil, Annabel's life has always been centred on food and nature. Out of this came an obsession with creating cookbooks, introducing a generation of cooks to her simple recipes for delicious, stylish meals. Annabel has lived a huge and varied life, and she writes vividly about her many adventures. From throughout this rich life in food she has chosen 60 key recipes, created with her signature style and flair that make cooking easy for everyone, sharing them in this beautifully photographed book. ...Show more
No Friend But The Mountains: Writing from Manus Prison by Behrouz Boochani; Omid Tofighian (Translator)
Category: Biography / Memoir
'Our government jailed his body, but his soul remained that of a free man.' Richard Flanagan Where have I come from? From the land of rivers, the land of waterfalls, the land of ancient chants, the land of mountains... Since 2013, Kurdish journalist Behrouz Boochani has been held in the Manus Island off shore processing centre. People would run to the mountains to escape the warplanes and found asylum within their chestnut forests... This book is the result. Laboriously tapped out on a mobile phone and translated from the Farsi. It is a voice of witness, an act of survival. A lyric first-hand account. A cry of resistance. A vivid portrait through six years of incarceration and exile. Do Kurds have any friends other than the mountains? ...Show more
Homegrown Kitchen by Nicola Galloway
Homegrown Kitchen is a complete guide to eating well for those who love to cook fresh food. Beginning with a comprehensive section on the kitchen essentials, including sourdough bread, home preserving and fermentation, the book is then divided into breakfast, lunch and main meal chapters, followed by a chapter on indulgent sweet treats. Inspired by her large garden, Nicola Galloway creates food in rhythm with the changing seasons, with fresh homegrown and local produce forming the base of her recipes. With a young family, her food focus is on simple and delicious family-friendly recipes using pantry staples that are packed with nutrients. Nicola also has a particular interest in healthful traditional cooking techniques, such as sourdough bread and fermentation, and simplifying them so they can fit into our busy modern lives. ...Show more
Caging Skies by Christine Leunens
Category: Fiction - Contemporary
An avid member of the Hitler Youth in 1940s Vienna, Johannes Betzler discovers his parents are hiding a Jewish girl named Elsa behind a false wall in their home. His initial horror turns to interest--then love and obsession. After his parents disappear, Johannes is the only one aware of Elsa's existence in the house and the only one responsible for her fate. By turns disturbing and blackly comic, Christine Leunens's captivating and masterful novel examines this world of truth and lies, laying bare the darkest corners of the human soul. ...Show more
All Who Live On Islands by Rose Lu
All Who Live on Islands introduces a bold new voice in New Zealand literature. In these intimate and entertaining essays, Rose Lu takes us through personal history a shopping trip with her Shanghai-born grandparents, her career in the Wellington tech industry, an epic hike through the Himalayas to explo re friendship, the weight of stories told and not told about diverse cultures, and the reverberations of our parents' and grandparents' choices. Frank and compassionate, Rose Lu's stories illuminate the cultural and linguistic questions that migrants face, as well as what it is to be a young person living in 21st-century Aotearoa New Zealand. ...Show more
Not That I'd Kiss a Girl by Lil O'Brien
Category: NZ - Biography | Reading Level: very good
A heartbreaking and hilarious true story of coming out as gay in New Zealand. Lil O'Brien accidentally outed herself to her parents at the age of nineteen when they overheard her talking to a friend about liking girls. Half an hour later she found herself on the side of the road, with instructions to co me back and pick up her suitcase the next day. What follows is a heartbreaking yet hugely funny story of a young Kiwi girl - the deputy head girl from a posh private school - coming to grips with her sexuality in the face of stark disapproval from her parents. Bit by bit, Lil finds the inner strength to pull herself into an entirely new world. Along the way she's called out for looking too straight in a gay bar, tries to break in to the lesbian in-crowd and figures out how to send her internet lover back to America. She falls in lust over a knotted soccer shoelace, explores how the hell to have sex with a girl and dates four women at once - unsuccessfully. Lil's story is an insightful and honest look at how you figure out whether you're gay, bi or whatever - and deal with what comes next. It's an essential read for anyone who's had to fight for who they are and what they believe in. ...Show more
Into the Unknown: The Secret WWI Diary of Kiwi Alick Trafford No. 25/469 by Ian Trafford
A personal account of WWI from the diaries of a Gisborne farm boy, shaped into a gripping narrative by the diarist's grandson 100 years later. Follow Alick as he moves from his last night on the farm in early 1916, through enshipment and training, then off to the battle fields of France and Belgium, occ upied Germany and back home. His treasured diaries covered the tedium, the mud, the fear and sorrow, the discomfort, the periods of leave and the letters from those back home. See the war unfold through Alick's eyes and learn about his and his companions' attitudes to the army, to female company, to the enemy soldiers, to the hospitality provided by people under pressure, to the war itself. And after the drama and tragedy of war, comes the return home and the efforts required to make a living while remaining steadfastly silent about the traumas of those terrible years - an unseen fight that continued and affected generations to come. ...Show more
Crosstrees (Children of the Furnace #2) by Brin Murray
Category: Young Adult | Series: Children of the Furnace
`What we won was a small battle,' says Jace flat. `They'll be coming, fore we can turn this into a war.' Wil and Leah saved Jace from the Revout's Fires - but find out now, that was just the beginning. The Revelayshun's soldiers are riding to hunt down the Midwife. Only she can lead them to Wil's siste r, and the Truth That Will Change Everything. While Revout Sachs secretly plans a cruelty so depraved, it will become known as the New Atrocity. Leah pulls away, and kisses me with soft lips, and whispers: `Ride, Wil. Save the Midwife.' And the world too, while I'm about it. ...Show more
Children of the Furnace (#1) by Brin Murray
Truth died in the fires. Only through courage can it be born again. Dark, powerful and heartbreaking, Children Of The Furnace compels with a uniquely stunning world and one of the greatest characters you'll ever be afraid for. Under the iron rule of the Revelayshun, one boy discovers the truth.. 'Ty p romised my ma he'd bring me up right. Bring him up to hear the rhythm beat, she said, and to feel the heartsblood warm. Not Strong — not in their way — but strong in the ways of the heart.' When the Revelayshun murders his pa, Wil discovers through savage inquisition that he's marked as a Heater, one of the old-time heretics who burned up the world. But Wil holds the key to a secret. Sekkerland's Shame, the Atrocity, is a great lie — and the Revelayshun will use fire, blood and death to hide the truth. ...Show more
Heartsblood (Children of the Furnace #3) by Brin Murray
AVAILABLE OCTOBER 2020 Three heroes will rise Wil, Jace and Leah were shattered by the horrors of the New Atrocity but must rise to find strength again before it is too late. If they are to stand any chance of stopping High Patriarch Sachs' vision of a world engulfed by fanaticism, fire and blood, th ey cannot stand alone. They must forge shaky alliances while knowing that in the great battle that is to come, the only friends they can truly trust are themselves. But then Wil is captured and seems destined to repeat his father's betrayal. The odds against them, already steep, become impossible. Because to save Wil now, they must take on the might of the Revelayshun alone. 'Hear the rhythm, we said, and feel the heartsblood warm.' I stand silent awhile. 'The words still hold true, tho they feel different to me now. Cuz yer gave yer heartsblood for em, is why. They did cost us more'n we can pay. But we've come this far, so can't leave off now.Have to make yer all count.' ...Show more
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Delia Busby is played by Kate Lamb.
Describe the universality of the themes in Call the Midwife, and its enduring appeal.
I think the overarching theme of Call the Midwife, and the one that ensures its popularity, is humanity. The stories we see are about people, not necessarily in extraordinary circumstances but caught in the conditions of time, opportunity or fortune. For those people their stories are quietly momentous, and I think Call the Midwife is wonderfully sensitive to those small lives changed. I know the reason I love the show is that it's really mostly about people doing their very best to live, love and help others and I think audiences respond to the humanity in that. It's how we all should live.
How has the series embraced the Sixties?
The Sixties makes itself very present this series, unprecedented things were happening in '62! We make it through The Cuban Missile Crisis with the Nonnatus women and, of course, Trixie gets some stunning new outfits.
Could you deliver a baby for real?
Actually, on balance, absolutely not. I could be supportive and calm and I don't think I'd pass out or anything, but I am utterly unqualified. Make no mistake, I'm calling a midwife.
What are your favourite types of scenes to film? Do you ever get emotional when filming?
Everything's so well written and real that it's really easy to tap into the emotion. The moment you think about the story, you can't help but get swept up in the feelings. I like the personal scenes too - you can sit and relax and get to know the character.
What makes Call the Midwife so successful?
The presence of women in the show extends beyond the characters as well – into the production team, the writers, the casting crew, directors and more. I think you feel that in the series.


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define('UNREG_CONFIRM', "ARE YOU SURE??? YOU ARE ABOUT to DELETE the ACCOUNT FOR USER:");
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Galvanizing in Yekaterinburg - will do quickly - LLC "EZI"
The necessary effect of strength and durability is achieved thanks to modern galvanizing technology and many years of experience with metal structures.
Increasing the service life of the metal product.
But what is this galvanizing? Galvanizing is the process of applying a special substance to the metal, designed to improve the quality of the metal.
Metal galvanizing is a common procedure all over the world. It consists in applying a zinc solution to the metal, after which a thin layer of zinc appears on the surface, which saves the metal from various damages that turn the metal structure unsuitable for use products. A thin film of zinc does not allow oxygen and moisture molecules to penetrate deeply into the molecular structure of the structure.
Drying of the metal at room temperature.
The process itself takes place in special containers equipped with sockets. Despite their large size, they also carry out galvanization of small products, which indicates the need for the application of zinc film not only on large structures, but also on smaller ones.
Despite the fact that galvanizing man invented in the 18th century, and to this day, many manufacturers of metal prefer not to spend money on such an expensive, but very important for the durability and reliability of the metal galvanizing process. Since this procedure is quite well-known among consumers and popular all over the world, due to the lack of a zinc layer, not only the quality of the products themselves suffers, but also the demand for products falls. Therefore, it is worth noting the need for galvanizing metal not only for the operation of structures by users, but also for the profit of the producers themselves.