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Use Social Media to Develop Products like Vitamin Water
Jean-Francois Marquis February 18, 2016
© Steve May, Drink What. Retrieved from Drink What on February 18, 2015
You probably already had one of these Glacéau bottled Vitamin Water, whether their most popular flavor 'XXX' or maybe the black cherry-lime flavor. Did you know that the black cherry-lime flavor was developed through social media?
Vitamin Water was created by J. Darius Bikoff in 1996 in New York City (USA). While on his way to a yoga class, Bikoff wanted a beverage to hydrate himself and rise his energy level… then he came up with the idea to create this energy drink.
© Diana, Web and Luxe. Retrieved from Web and Luxe on February 18, 2016
It's All About the Marketing Campaign…
Famously known as 'Connect', this black cherry-lime beverage was mainly developed by The Coca-Cola Company, owner of Vitamin Water, through their Facebook page with an impressive customer engagement campaign. More than 2 million fans contributed to this product development on social media.
The five finalists received a $5,000 prize for their involvement. One fan, Sarah from Illinois, was named the grand winner for finding the new flavor. She got involved in all aspects of the development, from the flavor to the packaging!
This type of customer engagement product development was previously used the year before by Ben&Jerry's. The difference between their two campaigns is that the ice cream company did not use social media for the development, which is where VW distinguished itself.
© Facebook, Toredshift. Retrieved from Facebook on February 18, 2015
Very Little Money, for a BIG Impact!
Since its debut, social media has proven to be a great way to reach customers in the comfort of their homes… Newspaper ads, radio & T.V. commercials and ad displays have been expensive ways of promoting products. Social media is gaining more and more popularity with marketers to reach thousands, if not millions, of customers with very little money.
With Facebook Ads, and a budget of $10,000, you can reach up to 8.4 million customers. With more ''traditional'' medium like newspaper ads, it would cost much more than $10 K to reach that many people.
Vitamin Water invested in social media to extend its brand offer… a product made for its fans by its fans on Facebook!
FlavorCreator: The Real Time Flavor Monitoring App
Vitamin Water developed a real-time flavor monitoring app for the contest. The FlavorCreator app is able to track in real-time the 10 most popular flavors with customers. This app was put in place to receive flavor ideas from fans. Using its fan base to 'replace' regular corporate roles, such a product development, is called 'crowdsourcing'.
Social media is a great way to reach customer and use crowdsourcing when asking customers to help develop products for companies. Once the top 5 flavors had been identified by the app, Vitamin Water started a voting contest to elect the best flavor.
According to Adam Ostrow from mashable.com, Vitamin Water is no stranger to social media marketing. The company used it in multiple ways on many occasions. The beverage company has even used its Facebook page as a call-to-action on ESPN for a campaign with the NBA instead of its own website.
Here is an example of Vitamin Water using YouTube for product development:
Widely used for crowdsourcing, social media is now taking a bigger place than ever for product development. Using fans to develop products they will consume is a genius idea on multiple aspects. Not only it creates a buzz and enthusiasm around a product, but it is also a great to 'connect' with customers and actively engage with consumers.
When VW was created back in 1996, social media did not exist and Internet was still marginal and in its early age. The company has evolved and developed new tactics to develop its brand and to reach more customers.
Successful product development necessitates time and involvement. Companies who commit to crowdsourcing, in developing products by listening to their customers, will most likely still be there doing business in the years to come…
Organization: Vitamin Water
Industry: Beverage Retail
Name of Organization Contact: Lisa DeWitt, Sports Marketing Manager, Glaceau Vitamin Water (Greater NYC area)
Authored by: Jean-Francois Marquis
Main Picture: http://www.drinkwhat.com/glaceau-vitamin-water-connect-black-cherry-lime-flavor/
The Coca-Cola Company: http://www.coca-colacompany.com/
Vitamin Water: http://www.vitaminwatercanada.ca/en/
Businesses Grow: http://www.businessesgrow.com/2012/01/10/case-studies-using-the-social-web-for-new-product-development/
Vitamin Water Facebook Page: https://www.facebook.com/vitaminwater
Ben & Jerry's: http://www.benandjerrys.ca/?gclid=CM-HjIPQgssCFcYkhgodVdADEw&gclsrc=aw.ds
Techcrunch: http://techcrunch.com/2010/01/07/facebook-vitaminwater/
Facebook Ads: https://www.facebook.com/business?campaign_id=894282133965802&placement=exact&creative=86513870709&keyword=facebook+ads&extra_1=f7b14a19-bf06-4b46-b96e-f8fdbdbd4c61
Mashable: http://mashable.com/2009/09/08/vitamin-water-flavor-creator/#3nCLK25K95qw
Web and Luxe: http://www.webandluxe.com/
Crowdsourcing: http://www.merriam-webster.com/dictionary/crowdsourcing
Vitamine Water on Mashable: http://mashable.com/2009/05/25/vitamin-water-kobe-vs-lebron/#YiZdlkvlGsqi
YouTube: https://www.youtube.com/watch?v=_QLrlRlbnM0
Ben&Jerry's, coca cola, Energy Drinks, ESPN, Facebook, Product Development, social media, Vitamin Water, Water


The printing of my 3rd book is now underway.
We've taken advanced orders for 240 copies of the 300 edition run, and I think the book may sell out before I even get to my exhibition date. So if you were planning on coming along to the exhibition and picking up a copy then, perhaps best to buy a copy online. It will be shipped out on the 2nd of August.
There's something deeply satisfying and very powerful about seeing a project come together that started out as an idea. What was once just a single thought becomes a real thing. That's very empowering.


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Home/Entertainment/Hilaria Baldwin admits she used to judge couples with big age gaps
Hilaria Baldwin admits she used to judge couples with big age gaps
EleonNovember 10, 2022
Alec and Hilaria Baldwin ARE EXPECTING baby #7
Hilaria Baldwin changed his mind.
Before marrying her husband Alec Baldwin in 2012, "I used to judge women and men who had big age differences," said the 38-year-old, whose husband is 26 years her senior, in the episode of the 7 november of his Witches Anonymous podcast. "This older man wants a young bimbo with no opinions, and this young woman is obviously a gold digger, and she obviously doesn't care and is just like 'ok whatever I hope you die and I'll take all your money.'"
But 10 years after their marriage and seven children later, she certainly has a new perspective.
"Now that I'm in this relationship and people regularly say these things about me, I realize, oh my God, why did this form in my head," she continued. "Why was I so critical of other people who are literally finding love? Maybe that love is different from yours or what I thought love might be, but that does not make it invalid."
This $30 portable heating pad has over 2,100 5-star Amazon reviews
Ana De Armas, Billy Porter and more will be present at the 2023 Golden Globes
Khloe Kardashian shares candid confession about her new bangs
Tom Brady tells how his 15-year-old son Jack puts himself in his shoes

redpajama_set_name: RedPajamaCommonCrawl


When considering technology and its implications, there are a number of ethical issues in wireless networks that arise. Even though some American jurisdictions have made it unlawful to access wifi without permission, there are wide discrepancies between what one can and cannot do.
For a time, people filched cable. A major movie was even produced on this premise. While streaming movies and television shows illegally are rampant, people are now more likely to attempt stealing internet access than cable TV, whether from a neighbor or by physically driving around until an unsecured network is discovered. What individuals do while on these wireless networks varies as widely as the legality of their actions.
Attorneys' relationship with technology in general and wireless networks more specifically is equal to, if not more complicated than, that of the general public. Attorneys are ethically bound to adhere to best practices in their dealings with wireless networks, especially when communicating with clients and protecting their personal information. Attorneys also have to ensure that they accurately represent and/or litigate their clients' activities vis-a-vis wifi as well. With the constantly changing technological landscape, maintaining standards involving ethical issues in wireless networks is no easy task.
The legal and ethical issues and implications themselves are broad. Whose responsibility is it to establish and maintain the security of wireless networks? Should that rest on the shoulders of the internet service providers, hardware manufacturers, or the private end-users? Is there something that local authorities can do to assist with this as well?
Nicole Houston and colleagues present it this way: "Just because my neighbor leaves his hot tub open and the gate unlocked does not mean I have the right the walk into his backyard and go for a dip." This example may sound humorous, but the principle is precisely the same when it comes to wireless networks and personal data stored and shared across them. Of course, there is an essential distinction that must be made between taking or using physical property without authorization and that of gaining access to someone's wireless network without their permission, but both of these are basically a form of purloining or unlawful entry and pertain directly to ethical issues in wireless networks.
It is these two principles on which so many of the ethical issues in wireless networks arise and hinge: security and control. The law should work to provide safeguards for the public as they engage with wireless networks at all times of the day and night, for personal and professional purposes. At the same time, attorneys have the obligation to both understand the legal aspects of control and security and implement them to the best of their ability in their own dealings.
On this, the state of California is ahead of many. At the time of the Forbes article, "The California Formal Opinion forth six factors that attorneys 'must' evaluate before 'using a particular technology in the course of representing a client.'" That is good news indeed because the ethics of wireless networks is also largely speaking a practical matter. California's committee recognized that functional and sensible efforts like the use of a secure firewall, complex passwords for accounts, and, perhaps above all, the encryption of data, can do much to prevent the unauthorized seizure and transmission of personal and private data.
Attorneys are employing wireless technologies and mobile devices more and more as an integral part of their workflow, connecting with potential and actual clients, other attorneys, members of the court, and others. There is an unfathomable amount of data being produced, generated, collected, or stored on wireless devices and others that are connected to wireless networks. The ethical implications can seem just as endless.
As Lorman puts it, "Today, lawyers are now under an ethical duty to understand and utilize various technologies which aid in the representation of clients. With this duty comes challenges in the execution, from what to store and where, how to access it from in and out of the office, to how to deal with inevitable missteps or errors." This goes for their office's implementation of wireless networks on the one hand, and the utilization of wireless networks by their clients on the other, in which understanding the complex and ever-changing technological terrain is pivotal.
Whether attorneys are dealing with ethical issues in wireless networks on their own behalf or that of their clients, there is much to consider and no one answer to the multitude of questions that this particular area of concern can generate. Given the breadth and depth of the matter in question, it is vital for lawyers to gain a wider understanding of what is at stake and how to act ethically for themselves, their clients, and the integrity of the judicial system more generally.


Of all the possible growth hormone deficiency causes in adults, aging is the most common one – and it happens to every human being. When growth hormone depletes within the body due to growing older and the body slowing down, some very disconcerting symptoms can occur.
Mother Nature cannot be stopped and the clock cannot be turned back. We will all lose our growth hormones due to aging. However, when the passing of time is to blame for lethargy, lack of sexual drive, fatigue, weaker bones, loss of concentration, higher cholesterol levels, sagging skin, wrinkles, loss of lean muscle mass and weight gain, hormone replacement therapy (HRT) can help.
One of the responsibilities of the pituitary gland (located at the base of the brain) is to signal the body to produce growth hormone. Just like all other parts of the body, this gland will slow down as it ages. This will innately cause a reduction in the production of growth hormone; hence, being one of the main growth hormone deficiency causes.
Nearly 50,000 men and women over 30 are dealing with low growth hormone levels, according to sources. This number only represents those who actually get diagnosed with the problem. More and more people are getting tested for low GH levels as hormone replacement therapy becomes increasingly popular. People may all have different HGH deficiency causes, but the most common one seems to be from aging.
Contact our clinic by dialing our toll free phone number or by filling out our online contact form.
You will speak with an expert clinical advisor about your symptoms, your goals for therapy and be able to ask all of your questions regarding what are HGH deficiency causes and what could be creating your issues.
Your advisor will happily listen to your concerns and give you the best answers that he or she can about what could be causing your symptoms. However, it is the next step that will give you the answer as to what your HGH deficiency causes are if you have a depletion in growth hormone.
Testing of blood is required for all prospective patients of HRT. The test will be able to determine if the person's HGH deficiency cause is aging or perhaps something different. If issues are caused by the natural process of getting older, GH can be replaced and balanced with HRT. If not, other options for treatment may need to be explored.
A blood test: The appointment will be set up by your clinical advisor at the nearest LabCorp to your home or office.
A medical exam must be completed by the doctor of your choice or your advisor can set an appointment up for you with a local physician in your area.
Fill out our online medical history form located right here on our website.
All of your medical information will be sent to our doctors to determine if you have a growth hormone depletion and if the HGH deficiency cause is aging.
If your health has been deteriorating because of a lack of production of growth hormone, HRT can be the very best, safest and legal option for treatment. When you know what is going on with your body, the varying growth hormone deficiency causes and which cause is taking away your quality of life, you will be better able to get the help you need.
Please contact us by filling out our online form or by calling us directly. Our fully trained, skilled and compassionate advisors are ready to help you through this difficult time in your life.


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Hamas (CAIR) Gets Schooled by Former FBI Agent John Guandolo
Jamie Glazov Send an email October 3, 2017
John Guandolo is a former FBI agent, combat veteran Marine, and now the president of Understanding the Threat. The video shows how Brotherhood stooges got called out by American hero Guandolo.
Jamie Glazov
Jamie Glazov is Frontpage Magazine's editor. He holds a Ph.D. in History with a specialty in Russian, U.S. and Canadian foreign policy. He is the author of the critically acclaimed and best-selling, United in Hate: The Left's Romance with Tyranny and Terror. He hosts the web TV show The Glazov Gang. You can contact him at [email protected]
Mass Shooting in Vegas, More Than 50 Dead, 200 Injured
Kasich Threatens to Leave GOP


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Death In The Arena.
Neoliberalism: Coming And Going.
Erdogan Lives - And Secular Turkey Dies.
Theresa May – Disraeli's "One Nation" Disciple?
Four More Political Rhymes
Labour And Housing: The Winning Combination?
Centenary Essay: "Labour's First Fight Was For Fre...
Equally Disappointing: What Should We Take From Th...
Alone And Friendless: The Curious Fate Of The New ...
Equally Disappointing: What Should We Take From The Australian Election?
Sitting Pretty: Even if Australia's incumbent Liberal Prime Minister, Malcolm Turnbull, somehow manages to scrape together a ramshackle government, Bill Shorten has almost certainly done enough to keep his ALP colleagues' daggers in their sheaths. Labor's voters are especially delighted that Turnbull's discomfiture is the result of Shorten turning the Liberals' own weapons against them.
BILL SHORTEN'S FOREWARNINGS may yet ensure a rich electoral harvest for the Australian Labor Party. His prediction that Medicare, Australia's public health system, would be at risk if Malcolm Turnbull and his Liberal-National Coalition were returned to office certainly focused the minds of Australia's poor. Fear of losing Gough Whitlam's greatest legacy to the Australian people, combined with Compulsory Voting (which ensures that poor Australians actually vote) may yet be enough to make Shorten Australia's next prime minister.
Even if Turnbull somehow manages to scrape together a ramshackle government, Shorten has almost certainly done enough to keep his ALP colleagues' daggers in their sheaths. Labor's voters are especially delighted that Turnbull's discomfiture is the result of Shorten turning the Liberals' own weapons against them.
Election after election, the Liberals and their right-wing media allies have employed scare tactics against Labor. This time, however, it was Labor doing the scarifying. What's more, those scare tactics contained a sizeable kernel of truth. The Liberals would relish the privatisation of Medicare. Why? Because it's an article of ideological faith among Australia's "economic rationalists" that the private sector is better at supplying services than the state. To claim, as Turnbull did – repeatedly and with growing exasperation – that his party harboured no such intentions raised disingenuousness to new heights.
Shorten's tactics recall those employed by Helen Clark in the New Zealand general election of 2005. On that occasion the warning issued was about housing and the likely consequences for state house tenants of a Don Brash/National Party win. It was enough to see the large South Auckland polling booths tip the balance in Labour's favour.
Twelve years on, and Labour's 2005 warnings concerning housing and the fate of state house tenants are being vindicated almost daily. That it has taken so long is because National's ideological antagonism towards state housing, which Don Brash displayed openly and honestly, has been camouflaged and concealed by John Key's government.
It has been National's intention, ever since winning power in 2008, to eliminate the state as New Zealand's default housing provider. According to the economist, and author of "Generation Rent", Shamubeel Eaqub, New Zealand's stock of state houses – proportional to its population – is at levels not seen since 1949. At the core of National's housing policy is the all-too-familiar neoliberal negation of the state's capacity to respond to social need. In terms of practical policy, this is expressed by facilitating the entrenchment of the private sector as the only legitimate provider of housing – even for the poor.
The radicalism of this new policy regime is only slowly being recognised. Much easier to spot has been the sudden emergence into public view of the consequences of the state abdicating its role as housing provider of last resort. The grim spectacle of families living in their cars has stimulated public outrage and forced the National Government's hand.
At the National Party's 80th annual conference, held in Christchurch over the weekend, the Prime Minister announced the establishment of a billion-dollar Housing Infrastructure Fund (HIF) to kick start what is intended to be a local government-administered housing construction programme. This latter effort seems likely to become the responsibility of a new legal entity – the Urban Development Authority (UDA). The first cities to receive a UDA will be those currently experiencing the fastest population growth: Auckland, Hamilton, Tauranga, Christchurch and Queenstown. The HIF will not, however, be empowered to issue genuine grants to these cities, only loans, and the funds expended are to facilitate the plans of private property developers exclusively.
Dismissed by Labour Leader, Andrew Little, as "a rushed, piecemeal policy that hasn't been thought through", Key will, nevertheless, be hoping that voters receive these announcements as evidence that his Government is, at last, "doing something". It is nowhere near enough, but unless Labour executes a radical overhaul of its own, very similar, housing policies, Key's latest efforts will be compared not unfavourably with his opponents'.
The extraordinarily close finish in the Australian general election is, in part, a reflection of the extremely drab selection of colours in which both the Left and the Right were content to paint their country's future. What most Australians experienced was an overlong campaign characterised by limitation, negation and fear. Without the enforced participation of Compulsory Voting, Turnbull's Liberal-National Coalition would have been returned handily. The self-interest of the "Haves" would have seen to that.
To ensure the participation of the "Have Nots" in 2017, New Zealand Labour will have to offer much more than Shorten-style scare-tactics. To compensate for the lack of compulsory voting, Little needs to devise a campaign that is expansive, affirmative and chock-full of hope.
If a broad programme of state house construction does not lie at the heart of that campaign, then a hung parliament will be the most that Labour deserves.
This essay was originally published in The Press of Tuesday, 5 July 2016.
Labels: 2016 Australian General Election, Bill Shorten, Housing Infrastructure Fund, John Key, Malcolm Turnbull, Neoliberalism, State Housing Policy National Party, Urban Development Authority
Roughly 15 months out from the 2017 election, Little should be ready to put down 3 policy planks that should be his 'mantra' on the election campaign trail.
It should include classic Labour policy ie Housing, Health, & Education.
For labour the 'ground game' is all important for 2017 to maximise turnout.
Of course, in the previous few election campaigns I''ve discussed all this to sitting MP's, LEC's, a General Secretary & anyone else who could be bothered to listen...but Labour seem intent on repeating error after error (read electoral defeat after electoral defeat).
jh said...
Gareth Morgan
Labour's Third World Solution [now of line]
"Ireland's economic miracle was driven by Germany. Under Labour, ours is being gifted by Communist China. The Germans sent money, the Chinese are sending people.
That impetus has come from getting immigration up to record levels, notwithstanding the squeals from Winston Peters' constituency. Just as Ireland found a sugar daddy to give its economy a boost in the 1980's, Miss Clark has discovered the dividend from unfettered people inflows.
"New Zealand's population growth, having languished at rates of below 0.5% per annum over the last few years, is now running close to 1.5% pa thanks to net migration contributing around 1% per annum. And there is no sign of the migration abating, nor any sign that the government wants it to. Indeed the response of Prime Minister Clark to suggestions that her government's population policy is "too liberal" on migration is to say that "most Western countries face problems replacing their populations due to a lowering of birth rates so that immigration is vital if economic health is to be maintained".
Miss Clark's perspective confirms that her government does see a link between higher net immigration and higher per capita incomes, a link that certainly Winston Peters denies and on which many economists are ambivalent."
No wonder we have a state housing problem. Thanks Helen, you utopian socialist you!.
Whitlam was the architect of "we celebrate difference" (moral acts don't have negative consequences: the health system will cope).
National doesn't even pretend it has anything other than ideological reasons for doing what it does anymore. Not much anyway. Listen to the Prime Minister when asked why they don't build more houses. Listen to him outright lie about the 90 day trial period for jobs. It wasn't intended to create more jobs. And yet, national radio – about the only bastion of freedom in this crap media climate :) – found several quotes with him and others saying just that. They just don't care. Hill, at the very least he should have had the judgement not to lie about something that was so easy to prove untrue.
But they've managed to 'social engineer' the country to a point where people think it's okay. Hopefully the arrogance will bugger them at the next election, but I'm not holding my breath.
A very insightful piece on the Australian election, your summary on the forthcoming NZ election is merited inasmuch that you have once again in an article pointed out a much needed major "point of difference' between National and Labour, this given Nationals aversion to state housing.
If LabGreens were to pick up a massive state housing program as policy for 2017 then they must come out with costings and tax policies and not leave that for the National party to do it for them.
Labour fluffed the basic wage concept by not costing the concept and then screamed blue murder when National adherents did it for them.
I blame Grant Robertson and Rob Salmond for that stuff up. I have doubts that they learned anything from it, though like most people who take an interest in the politics of NZ lets sincerely hope I am wrong.
Parallel with the loan announcement was a suggestion about invoking the public works act to wrest land from land bankers, and hand it on to property developers. If thats as far as they go , the developers will build top of the market houses because how can you justify low value houses on land at current prices , and sell them to speculators who will leave them empty, " house banking " them . Why would you let your investment for 2% -3% less costs taxable return ,taking the newness off it and so devaluing it, and at the risk of someone smoking or even cooking meth in it , when you're going to make 15% tax free capital gain with no risk by leaving it empty ? Someone pointed out here a couple of weeks ago that at the 2013 census there were 20000+ empty houses in A K . I bet there are twice as many now. So the govt robs speculator Peter to pay speculator Paul providing not one single house for people who really need one.
What Andrew little should say is yes, we approve thus using the public works act , but we will do so for a public work; we will requisition the land and build public housing on it ourselves , ensuring that the state interference results in a public service, providing housing for the people who need it.
Do you consider compulsory voting to be in the main advantageous for keeping all close to the coalface of democracy Chris? I now think that it is a responsibility that we all should bear. Leaving it to others to decide for us all is one of the reasons we have lost so much of our hardly won services and wellbeing.
I think that quite a small fine such as $20 for not voting would be a suitable reminder to take it seriously but this should be followed up and collected where possible and not carried forward to become a weight on the shoulders of a voter with other problems.
Is this true Chris?
billmurray (438 comments) says:
July 6th, 2016 at 8:28 am
The Labour party is again waxing and having fits about the housing crisis in Auckland,
What Labour does not tell us that it was Labour that caused the present crisis when they signed a free trade agreement with China in 2008 which gave Chinese people the right to buy property in New Zealand WHETHER OR NOT THEY RESIDED IN NEW ZEALAND.
It was the Helen Clark government and Phil Goff was the lead negotiator, this agreement was endorsed by all political parties and the CTU also not only endorsed it but sent representatives to the signing in China.
We now have humbug and lies about this situation with Labour ranting about John Key and National causing this situation when the architects are the Labour government of 2008.
JUST TELL THE TRUTH LITTLE AND TWYFORD AND STOP BLAMING EVERY ONE BUT YOURSELVES.
jh, I understand that China/ NZ free trade agreement was signed by the Labour government on the 7 April 2008, articles 138 and 141 basically allows for Chinese investors wanting to buy residential real estate in NZ are not to be treated less favourably than local NZ investors and it is a breach of the agreement to stop them.
I do not believe that the Chinese would ever re-negotiate those terms, why should they?, I say that because Labour folk argue that National should have negated that those clauses in subsequent years.
It was Labour that has sold our sovereignty.
I can see Guerilla Surgeons point about you jh and immigration matters - too much already!
The problem with housing is that state housing numbers were not added to in a reasonable way to form a baseline that kept private rentals with a floor price. When there is a recession and jobs and costs go down, that is a good time to put some state housing infrastructure up. The result of not applying good economic principles like this, is a large cause of our present disaster.
That goes way back before the Chinese immigration story was invented! It was not the FTA with China that was the main cause of our housing crisis. It was having no base level for the rental market with enough rent being paid to cover maintenance and management, the housing cost being written off not constantly revalued as private property.
Then there was the business of subsidising private landlords with the accommodation supplement. I thought that subsidising business was bad, farming was not to have the treatment, so why landlords? That pushed up house prices. Anyone with a modicum of sense could have told government that. What do we pay these pollies and their advisors for?
When the NACTS, or whatever their persona was at the time, put housing up to market rents then Labour was trying to make a fuss and rouse the voters against it. As usual the voters were damp about housing provision and failed to light. Perhaps by then Labour was viewed as damp also.
Then there is the need to keep money circulating in retail, consumerism is one of our big business sectors, creating churn in the economy till the money gets siphoned off to buy overseas goods or to overseas owners. Savings is something to pay lip-service to, and the slightest interest paid attracts immediate taxation even to one cent. Soon as too many people save, it starts a recession, we can't afford that. A regular savings regime would be proof of a good honest determined couple who could get a concessionary loan to build a house. But this type of good NZer is not the chosen one by NATS today, it's the money, spending and creditworthiness in citizens that makes RW pollies eyes sparkle.
To protect us against foreign housing and other speculators and absentee owners, there should be good laws. In the case of the Chinese FTA and any other foreign treaty, we are left with no flak jacket on to protect against any treaties we make. I don't know who educates these bland blancmanges that conduct treaty talks for us, and those who appoint and annoint them. They certainly don't seem to have enough grit to ensure that important matters close to our heart and health are safe-guarded.
@GS 13.29
White is the new black
nonesuch said...
The HIF is blatant nonsense. I have this on the authority of Mr Hooton on Natrad this week. Matthew pointed out if I recall correctly that Watercare has a 10 year infrastructure budget of $4 billion. This makes one billy across five cities pocket money. Hoots also seems to think to think that Nick Smith is a deranged idiot. Hard to disagree.
The UDA is a worry. Presumably more rule by decree in favour of people like us who like us? See water on the Mainland.
The missing million are the key electorally. But good luck getting them to the booths. There is no enforcement of 'compulsory' registration on the electoral rolls as far as I am aware. And many of the underclass couldn't give a rat's arse about the hocus pocus of so-called democracy and are often of no fixed abode.
As for the current regime they increasingly tend to spout utter bollocks with a straight face knowing their fanbase will lap it up and who cares about the unworthy others. Why only a few days ago I heard the Minister of Finance testifying that so deep was his concern for the plight of the poor (he even knew some of them well) that the govt had increased the minimum wage to $15.25. The regime was also rapidly moving to provide housing for all, apparently by creating utter chaos in state housing provision, and letting the bubble expand unabated.
Don't get me started on the smirking weasel. Is this the most worthless individual ever as Prime Minister? He must be a runner for the title.
Nick R said...
jh - No, it isn't. There was no law prohibiting Chinese citizens from buying residential housing in New Zealand before 2008 and there is none now.
"They speak the language, they know the culture and have the connections. They are a ready-made package."
"He said the number one reason migrants chose New Zealand was lifestyle." Professor Spoonley
"Ireland's economic miracle was driven by Germany. Under Labour, ours is being gifted by Communist China. The Germans sent money, the Chinese are sending people"
"Any city made up of more than 25 per cent ethnic migrants is known as 'superdiverse'. Now at 40 per cent, Auckland is more diverse than Sydney, London or Los Angeles. The only city in the OECD with a higher proportion is Toronto.
The dominant driver of that diversity has been migration from Asia. In 1991, about five per cent of Aucklanders were Asian. Today, it's 23 per cent. By the 2o2os, Spoonley believes, it will be 27 or 28 per cent.
That rapid influx has resulted in geogaphical distortions too. 'Ethnoburbs' or 'ethnic precincts' have arisen on Auckland's North Shore and in East Auckland, where Asians are the dominant ethnic group.
"When you look at the size and rapidity of the change," says Spoonley, "it's very, very unusual." But at the same time, it has happened relatively harmoniously. After an initial backlash in the 1990s, led by the publication of newspaper articles headlined 'Inv-Asian', and much political posturing, New Zealanders' attitudes towards the Asian community have been generally and increasingly positive. "
NZ Geographic
Asian people are responsible for rising house prices: Auckland 58%
Percentage of New Zealanders who say each of the factors below will have a positive impact on New Zealand in the next 10 to 20 years: immigration 48%
New Zealanders' Perceptions of Asia and Asian Peoples 2015 Annual Survey
Colmar Brunton for *non-partisan* Asia New Zealand Foundation
Richard McGrath said...
There is huge media bias to the left in Australia, which has to be seen to be believed. The taxpayer funded ABC is a flagbearer for left-wing ideas, stacking audiences and panels in its 'Q & A' TV show to bury any small-government liberal sentiment under the mandatory political correctness and multiculturalism. When Abbott was PM, the ABC's unrelenting visceral hatred for an essentially decent man was sickening to watch.
Here we go again. Truthiness. The ABC is politically biased – well, 79% of Australians don't believe that. And if we look at the actual figures, it allocates almost identical amounts of time to right and left-wing parties. On the other hand, according to actual scientific research the rest of the Australian media is biased towards the right.
Political correctness – insofar as it restricts your ability to say racist and sexist things, tough. Seems to be remarkable nostalgia for being able to do that amongst a certain group of people. Anyway, if political correctness is your only argument – you don't have one.
Richard McGrath, you are really worth an Irish name. This 1 second of plenty in the 'journey'.'Decency' is the imagination needed to feel what the weakest of us are going through.
100 years on of Labour I'm just not interested. You know, after the last third of that. The Greens talk about poverty and climate change, truths. If you can appeal to the fat guts of complacence that decide elections recently , brilliance. I don't have the imagination for it.
You know how people pile into a party with growth potentail Chris?
paul scott (82 comments) says:
July 8th, 2016 at 2:31 pm
Souvlaki [2:07]
"" From where I sit…in Epsom…with colleagues at pub, all with post grad degrees& not " short of a bob"…word is Key is unfortunately likely to be toast next election.He & National are seriously misreading their support base !.People are honestly considering Peters…abhorent though that may sound! For Gods sake wake up National & smell the roses!! ""
Expect better from NZF soon. NZF also needs its backside kicked . NZF needs some modifying influence on public policy. At present they are talking gibberish about building homes , confiscating property, same blab as vile Smith. I am in full frontal attack mode over this on their facebook site, and I am being read. They need someone competent to run the home office. Same with Seymour. He is rabbiting on about kids on the street in Greenlane. Go sort him out Souvlaki.
Blogger Richard McGrath said...
There is huge media bias to the left in Australia,
Frank Slater agree:
"In the October issue I reviewed elements of the quality media, mainly the Sydney Morning Herald and intermittently the ABC and SBS, for one year, from mid-September 2011 to August 2012. These media outlets represent the apogee of respectable, mainstream Left-liberal ideology in Australia, ostensibly the heart of sophisticated cosmopolitanism, what the elite read and watch. I found confused understandings of ethnic behaviour, numerous incidents of baiting and defamation of Anglo and white Australians, but no chauvinism directed at minority ethnic groups. The search was not exhaustive but the trend is unlikely to be altered by a few missed cases running in the opposite direction. Neither is the trend altered by articles that report unpleasant facts about minorities in a dispassionate manner. An example is a 2010 article by conservative columnist Andrew Bolt in the Melbourne Herald-Sun, a Murdoch-owned newspaper.[1] Bolt criticised the Victoria Police for suppressing information on the ethnicity of criminals and presented some statistics showing high rates of imprisonment for some immigrant groups. He did not use terms of abuse such as those directed at Anglos and whites in the Sydney Morning Herald."
http://quadrant.org.au/magazine/2012/11/the-war-against-human-nature-iii/
About Tony Abbott, some may call him 'essentially decent'. Others might say he is a semi-fascist quasi-Christian halfwit who is a danger to humanity and all other species on this fragile planet. And a reet eejit to boot. Away with him!
JH. Do you think you could expend just a tad more energy on spelling Frank Salter correctly. Not just because it took me five minutes to figure out who the hell you are talking about, but also because it is his name and no matter who he is he deserves to have it spelt (and said) correctly. All you have to do is copy and paste the damned thing into your comment.
And perhaps you could try making some distinction in your mind between someone who writes for a magazine which admits to taking a "conservative position" on social and political issues and someone who is an academic and trying to get at the truth even though they might have their own biases. Not to mention the quadrant is essentially a literary and cultural journal.
I guess basically what I'm saying is I don't care what Frank Salter thinks. He hasn't done any proper research. He hasn't been peer-reviewed – probably because it's not worth it. He hasn't defined his terms in any proper way. He was actually looking for what he found. And so of course he found it.
Robert M said...
In terms of Abbott, he is intelligent and more impressive than Costello in Howards team. The basic Australian view of Abbott was to fight to maintain a National Health service and to establish a very generous paternity leave so women from solo mothers gets the same generous financial support as the average Aus battler and a female lawyer married or single on $100,000. In the different egalitarianism of Australia hot 18 year solo mums are regarded as having a right to an absolute sex life with as many men as they want in their years of maximum sexual capability and enjoyment and the quibbling about paternity leave is whether rich lawyers wives should also be entitled. Everybody has a right to hot sex to get on the piss all night, watch the cricket and hate the wowsers, Arabs and do gooders.
In Australia education is a much lower priority and good education since World War Two has largely and increasingly been the preserve of those able to pay for private fees, there was a slight reversal of this during the Whitlam years to the extent rather state aid went to catholic schools to ensure at least some basic education. But NZ level serious education in Government schools was always restricted to the highly intelligent and those both intelligent and good sporting potential, nothing mattering more to the Australian ordinary people. But for three quarters of those forced to rely on state education there was never much interest in even educating to our old School Certificate level. The really bright, the top 5% the Gillard's and Lantham's did get a world class education from the state 30 years ago, but even that has gone now. When Abbott failed to get the much higher tertiary fees, which I think 24 out of 25 Chancellors and Boards of the credible top Australian varsities supported, Abbott basically cut the state secondary education budget in half, and secondary education in History and Geography was removed from the syllabus in many states and state education is really now only in English, Maths, PC and Sex education. Half the state secondary teachers in Australia will have barely achieved the equivalent of SC English and Maths. To some extent this simply reflects the global reality, NCEA is only as good as a school and for a girl employment is about good looks and an ability to count and talk to intelligent men, rather than any serious knowledge of Science or Maths. Most of all one needs an adequate shit detector, to reject 90% of NZ style PC as crap and against human interest, ie Were not equal, the Chinese, Japs and Arabs are not the same as us, the Gays are yesterday and 30 years out of date the Trans Gender bullshit is garbage and gutless feminist right wing reaction, more appropriate for fascist Iran.
In terms of New Zealand over the last 3o years half the government and council budget has simply been wasted. The point of the Rogernomics and Roger Kerr reforms was not a neo liberal agenda to empower and free the rich with the reduction of inheritance tax and scrapping import protection but rather to reduce the burden of excessive and outdated state expenditure on transport, hospitals and council housing. Surely we could have a more effective urban transport system in Auckland and Wellington for half the cost, with much less expansion and maintenance of heavy electric rail on inappropriate routes, reintroduction of modern old style Melbourne Trams say down the middle of the road to Mt Eden, Three Kings, Dominion Road and Mt Albert. Using lots of diesel railcars to Hamilton, Masterton and Paraparamu rather than excessive expansion of electrification and lots of cheap low cost diesel buses at $1 fares like in America for up to 3 miles out of city centres which is often how its done in America. The assets will be blown up , privatised and a third run by independent non profit, rent financed housing associatons like its done in Camerson and Theresa Mays UK
On Mediawatch
Is a 'post-truth' era upon us?
Andrea vance says:
"if you consider that the job of a political reporter is to help the public make sense of the mad myth and the chaos and the spin doctors and the complex policies; it's not to actually add to it".
I don't think that is the job of the political reporter at all. The job of the political reporter is to remain objective and present all the relevant view points and let the public decide.
The fact is where academics disagree you can pick which news outfit favours which (of only one side) academic (eg Mike Hosking and Professor Paul Spoonley decide it is not practical to reduce immigration numbers (nothing to see - move on)
Andrea Vance:
Peters' ill-founded hysteria and anti-Asian agenda, are a regular feature of election campaigns.
"However, our poll suggests voters aren't blaming migrants for the current housing crisis. They also have a strong handle on the true picture - with most able to correctly pick how many migrants make up the population.
Even Peters own voters aren't convinced by this old trick - 92 per cent of his supporters don't rate immigration as a problem.
http://www.stuff.co.nz/national/politics/opinion/10187254/Immi-what-Hysteria-over-immigration-falls-flat
Unsurprisingly, 84 percent of NZ First voters want immigration restricted. Sixty-eight percent of Labour voters agree, along with 58 percent of Green Party voters.
http://www.3news.co.nz/David-Cunliffe-blames-migrants-for-housing-crisis/tabid/1607/articleID/345855/Default.aspx#ixzz33jj2pF7w
You know how people pile into a party with growth potential Chris?
I heard rumblings from Winston this morning about the RMA (Parliament -RNZ). Building industry in - building industry out?
Others might say he is a semi-fascist quasi-Christian halfwit who is a danger to humanity and all other species on this fragile planet
that's what frank Salter was talking about.
"Half the state secondary teachers in Australia will have barely achieved the equivalent of SC English and Maths. "
This hardly seems to fit in with the required qualifications for secondary teaching, at least as expounded by the State government of Victoria. So could we have a citation please?
"The job of the political reporter is to remain objective and present all the relevant view points and let the public decide."
Not necessarily mutually exclusive, and in fact these two statements quite possibly mean the same thing.
So there is going to be no citation about the teacher qualifications? Why am I not surprised.


text:
The Montenegrin alphabet is the collective name given to "Abeceda" (Montenegrin Latin alphabet) and "Азбука" (Montenegrin Cyrillic alphabet), the writing systems used to write the Montenegrin language. It was adopted on 9 June 2009 by the Montenegrin Minister of Education, Sreten Škuletić and replaced the Serbian Cyrillic and Gaj's Latin alphabets in use at the time.

Although the Latin and Cyrillic alphabets enjoy equal status under the Constitution of Montenegro, the government and proponents of the Montenegrin language prefer to use the Latin script; it is also much more widely used in all aspects of the day-to-day written communication in the country, in education, advertising and media.

History

Efforts to create a Latin character-based Montenegrin alphabet go back to at least World War I, when a newspaper was published in Cetinje using both Latin and Cyrillic characters.

Latin alphabet

The Montenegrin Latin alphabet (Montenegrin: crnogorska latinica / црногорска латиница, crnogorska abeceda / црногорска абецеда or crnogorski alfabet / црногорски алфабет)  is used for writing the Montenegrin language in Latin script.

 Abeceda: A B C Č Ć D Dž Đ E F G H I J K L Lj M N Nj O P R S Š Ś T U V Z Ž Ź

It uses most letters of the ISO basic Latin alphabet, with the exception of Q, W, X and Y, only used for writing common words or proper names directly borrowed  from foreign languages.

Montenegrin Latin is based on Gaj's Latin alphabet, with the addition of the two letters Ś and Ź, to replace the pairs SJ and ZJ (so anachronistically considered as digraphs). These parallel the two letters of the Montenegrin Cyrillic alphabet not found in Serbian, С́ and З́, and could also be represented in the original alphabets as sj and zj, and сj and зj, respectively. Because these two glyphs already exist in the Polish alphabet, but must be created in Cyrillic by using combining characters, it provides an additional incentive to prefer Latin over Cyrillic.

It also uses some Latin extended letters, composed with a basic Latin letter and one of two combining accents (the acute accent or caron, over C, S, and Z), and a supplementary base consonant Đ: they are needed to note additional phonetic distinctions (notably to preserve the distinctions that are present in the Cyrillic script with which the Montenegrin language has also long been written, when it was still unified in the former Yugoslavia within the written Serbo-Croatian language).

Digraphs
The alphabet also includes some digraphs built from the previous characters (that are considered as single letters for collation purpose): Dž, Nj, and Lj.

Cyrillic alphabet

The Montenegrin Cyrillic alphabet ( /  or  / ) is the official Cyrillic script of the Montenegrin language. It is used in parallel with the Latin script. It is a child system of Serbian Cyrillic.

 Azbuka: А Б В Г Д Ђ Е Ж З З́ И Ј К Л Љ М Н Њ О П Р С С́ Т Ћ У Ф Х Ц Ч Џ Ш

Its first version was developed by Vojislav Nikčević in the 1970s who was a dissident of the Socialist Federal Republic of Yugoslavia and considered Montenegrin speech to be unique and deserving of consideration as a separate language from Serbo-Croatian.

The modern version was brought into official use in early 2009 by the Ministry of Education under Sreten Škuletić. It was called the First Montenegrin Orthography, included a new Orthographic Dictionary, and replaced the Serbian Cyrillic script which was official until then. The act is a component part of the process of standardisation of the Montenegrin language, starting in mid-2008 after the adoption of Montenegrin as the official language of Montenegro.

References

alphabet
Latin alphabets
Cyrillic alphabets
2009 introductions
2009 establishments in Montenegro

redpajama_set_name: RedPajamaWikipedia


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Metsä Fibre's Joutseno pulp mill is the world's largest single-line softwood pulp mill. The new gasification plant improves the efficiency of renewable energy usage by replacing the natural gas used with bio fuel made from tree bark. The gasification plant makes the pulp mill the first carbon dioxide-neutral facility in Finland during normal operations.
The technology in the gasification plant is a new application in the Finnish pulp industry. This innovative and comprehensive solution uses surplus heat from the mill in drying tree bark. The plant considerably improves the mill's energy-efficiency and further improves the mill's environmental performance.
Similar development work is under way at Metsä Fibre's other mills as well, and all Metsä Fibre's mills will become carbon dioxide-neutral in the coming years.
Metsä Fibre is a significant supplier of bioenergy in Finland. Metsä Fibre's mills account for approximately one fifth of all wood-derived electricity generated in Finland.
Metsä Group is a responsible forest industry group whose products' main raw material is renewable and sustainably grown Nordic wood. Metsä Group focuses on tissue and cooking papers, consumer packaging paperboards, pulp, wood products, and wood supply. Its high-quality products combine renewable raw materials, customer-orientation, sustainable development and innovation. Metsä Group's sales totalled EUR 5.0 billion in 2012, and it employs approximately 11,500 people. The Group operates in some 30 countries. Metsäliitto Cooperative is the parent company of Metsä Group and is owned by approximately 125,000 Finnish forest owners.
Metsä Fibre is a world-leading producer of softwood pulp. Our main products – sustainably and cost-efficiently produced softwood and birch pulp – are specially developed for the production of high-quality fine papers, magazine and tissue papers, and board. Our main brand is Botnia. With four pulp mills in Finland, we employ a total of about 900 people. Our sales in 2012 were approximately EUR 1.3 billion. Metsä Fibre is part of Metsä Group.


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What Is a Fiduciary Deposit Account?
| Estate Planning, Financing A Home
A fiduciary deposit account is an account that's owned by one or more persons but managed by another. The owner is known as the principal, while the manager is known as the fiduciary. These accounts are sometimes used to handle … Continue reading →
The post What Is a Fiduciary Deposit Account? appeared first on SmartAsset Blog.
Posted in Estate Planning, Financing A Home Tagged 401(k), agent, All, Credit, Estate Planning, FDIC, FDIC insurance, fiduciary account, Financial Advisor, Financial Wize, FinancialWize, guardian, house, Insurance, insurance coverage, money, Planning, principal, trust, what is a fiduciary account
LaMelo Ball Staying in Cam Newton's Cool Condo in Charlotte, NC
| Unique Homes
The Charlotte Hornets point guard LaMelo Ball has snagged a place to stay in Charlotte, NC. He's moved into a condo owned by the former Panthers quarterback Cam Newton.
The post LaMelo Ball Staying in Cam Newton's Cool Condo in Charlotte, NC appeared first on Real Estate News & Insights | realtor.com®.
Posted in Unique Homes Tagged agent, Auto, building, Career, Celebrity Real Estate, Charlotte Hornets, Charlotte NC, Credit, Family, Financial Wize, FinancialWize, Home, instagram, NBA, News, north carolina, Professional Athlete Homes, Real Estate, realtor
3 Big Reasons Your Home Offer Was Rejected—and How To Play It Right Next Time
| Home Design, Starting A Business
Having your home offer rejected doesn't mean it's back to renting. In fact, if you play your cards right, you might be able to turn that rejection around.
The post 3 Big Reasons Your Home Offer Was Rejected—and How To Play It Right Next Time appeared first on Real Estate News & Insights | realtor.com®.
Posted in Home Design, Starting A Business Tagged agent, All, asking price, Buy, Buying, Buying a Home, Credit, Financial Wize, FinancialWize, first-time home buyer, Home, home offers, Homeownership, How To, making an offer, money, News, Purchase, Real Estate, realtor
A Guide To Everything You Need To Know About Home Ownership Costs [Free Download]
| Airlines, Home Design
Along with the excitement of purchasing a new home, comes the additional costs that you will be expected to pay as a homeowner. Apart from covering the mortgage of your home, you'll have additional expenses – such as home insurance – that you will be expected to cover. If you're looking to budget for a […]
The post A Guide To Everything You Need To Know About Home Ownership Costs [Free Download] appeared first on Zoocasa Blog.
Posted in Airlines, Home Design Tagged agent, Budget, budgeting, building, Buying, Buying a Home, Downloadable Guides, Fees, Financial Wize, FinancialWize, Home, Insurance, mortgage, Personal, pool, Products, Purchase, taxes
What's the Best Type of Mortgage for You?
| Home Repair
When you're ready to buy a home, choosing the best lender and type of mortgage can seem daunting because there are many choices. Since no two real estate transactions or home buyers are alike, it's essential to get familiar with different mortgage products and programs.
Let's take a look at the two main types of mortgages and several popular home loan programs. Choosing the right one for your situation is the key to buying a home you can afford.
What is a mortgage?
First, here's a quick mortgage explainer. A mortgage is a loan used to buy real estate, such as a new or existing primary residence or vacation home. It states that your property is collateral for the debt, and if you don't make timely payments, the lender can take back the property to recover their losses.
In general, a mortgage doesn't pay for 100% of a home's purchase price.
In general, a mortgage doesn't pay for 100% of a home's purchase price. You typically must make a down payment, which could range from 3% to 10% or more, depending on the type of loan you qualify for.
For example, if you agree to pay $300,000 for a home and have $15,000 to put down, you need a mortgage for the difference, or $285,000 ($300,000 – $15,000). In addition to a down payment, lenders charge a variety of processing fees that you either pay upfront or roll into your loan, which increases your debt.
At your real estate closing, the lender wires funds to the closing agent or attorney. After you sign a stack of mortgage and closing documents, your down payment and mortgage money go to the seller and various parties, such as a real estate broker, title company, inspector, surveyor, and insurance company. You leave the closing as a proud new homeowner and begin making mortgage payments the next month.
What is a fixed-rate mortgage?
The structure of your loan and payments depends on whether your interest rate is fixed or adjustable. So, understanding how these two main types of mortgage products work is essential.
A fixed-rate mortgage has an interest rate that never changes, no matter what happens in the economy.
A fixed-rate mortgage has an interest rate that never changes, no matter what happens in the economy. The most common fixed-rate mortgage terms are 15- and 30-years. But you can also find 10-, 20-, 40-, and even 50-year fixed-rate mortgages.
Getting a shorter mortgage means you pay it off faster and at a lower interest rate than with a longer-term option. For example, as of December 2020, the going rate for a 15-year fixed mortgage is 2.4%, and a 30-year is 2.8% APR.
The downside is that shorter loans come with higher monthly payments. Many people opt for longer mortgages to pay as little as possible each month and make their home more affordable.
Here are some situations when getting a fixed-rate mortgage makes sense:
You see low or rising interest rates. Locking in a low rate for the life of your mortgage protects you against inflation.
You want financial stability. Having the same mortgage payment for decades allows you to easily budget and avoid financial surprises.
You don't plan to move for a while. Keeping a fixed-rate mortgage over the long term gives you the potential to save the most in interest, especially if interest rates go up.
What is an adjustable-rate mortgage (ARM)?
The second primary type of home loan is an adjustable-rate mortgage or ARM. Your interest rate and monthly payment can go up or down according to predetermined terms based on a financial index, such as the T-bill rate or LIBOR.
Most ARMs are a hybrid of a fixed and adjustable product. They begin with a fixed-rate period and convert to an adjustable rate later on. The first number in the name of an ARM product is how many years are fixed for the introductory rate, and the second number is how often the rate could change after that.
For instance, a 5/1 ARM gives you five years with a fixed rate and then can adjust, or reset, every year starting in the sixth year. A 3/1 ARM has a fixed rate for three years with a potential rate adjustment every year, beginning in the fourth year.
When shopping for an ARM, be sure you understand how often the rate could change and how high your payments could go.
ARMs are typically 30-year products, but they can be shorter. With a 5/6 ARM, you pay the same rate for the first five years. Then the rate could change every six months for the remaining 25 years.
ARMs come with built-in caps for how much the interest rate can climb from one adjustment period to the next and the potential increase over the loan's life. When shopping for an ARM, be sure you understand how often the rate could change and how high your payments could go. In other words, you should be comfortable with the worst-case ARM scenario before getting one.
In general, the introductory interest rate for a 30-year ARM is lower than a 30-year fixed mortgage. But that hasn't been the case recently because rates are at historic lows. The idea is that rates are so low they likely have nowhere to go but up, making an ARM less attractive.
I mentioned that the going rate for a 30-year fixed mortgage is 2.8%. Compare that to a 30-year 5/6 ARM, which is also 2.8% APR. When ARM rates are the same or higher than fixed rates, they don't give borrowers any upsides for taking a risk that their payment could increase.
ARM lenders aren't making them attractive because they know once your introductory rate ends, you could refinance to a lower-rate fixed mortgage and they'd lose your business after just a few years. They could end up losing money if you haven't paid enough in fees and interest to offset their cost of issuing the loan.
Unless you believe that rates can drop further (or until ARM rates are low enough to offer borrowers significant savings), they aren't a wise choice in the near term.
So, unless you believe that rates can drop further or until ARM rates are low enough to offer borrowers significant savings, they aren't a wise choice in the near term. However, always discuss your mortgage options with potential lenders, so you evaluate them in light of current economic conditions.
RELATED: How to Prepare Your Credit for a Mortgage Approval
5 types of home loan programs
Now that you understand the fundamental differences between fixed- and adjustable-rate mortgages, here are five loan programs you may qualify for.
1. Conventional loans
Conventional loans are the most common type of mortgage. They're also known as a "conforming loan" when they conform to standards set by Fannie Mae and Freddie Mac. These federally-backed companies buy and guarantee mortgages issued through lenders in the secondary mortgage market. Lenders sell mortgages to Fannie and Freddie so they can continuously supply new borrowers with mortgage funds.
Conventional loans are popular because most lenders—including mortgage companies, banks, and credit unions—offer them. Borrowers can pay as little as 3% down; however, paying 20% eliminates the requirement to pay an additional monthly private mortgage insurance (PMI) premium.
2. FHA loans
FHA or Federal Housing Administration loans come with lenient underwriting standards, making homeownership a reality for more Americans. Borrowers need a 3.5% down payment and can have lower credit scores and income than with a conventional loan.
3. VA loans
VA or Veterans Administration loans give those with eligible military service a zero-down loan with no monthly private mortgage insurance required.
4. USDA loans
The USDA or U.S. Department of Agriculture gives loans to buyers who plan to live in rural and suburban areas. Borrowers who meet certain income limits can get zero-down payments and low-rate mortgage insurance premiums.
5. Jumbo loans
Jumbo loans are higher mortgage amounts than what's allowed by Fannie Mae and Freddie Mac, so they're also known as non-conforming loans. In general, they exceed approximately $500,000 in most areas.
Always compare multiple loan products and get quotes from several lenders before committing to your next home loan.
This isn't a complete list of all the loan programs you may qualify for, so be sure to ask potential lenders for recommendations. Remember that just because you're eligible for a program, such as a VA loan, that doesn't necessarily mean it's the best option. Always compare multiple loan products and get quotes from several lenders before committing to your next home loan.
Posted in Home Repair Tagged agent, All, Budget, Buy, Credit, Debt, down payment, existing, Fees, Financial Wize, FinancialWize, Home, Homeownership, Insurance, Interest Rates, Life, Loans, Main, money, mortgage, Popular, Products, Purchase, Real Estate, Refinance, savings
3 Tips for Finding an Affordable Life Insurance Policy
| Insurance, Life Insurance, Personal Finance, PPC Guide
Life insurance offers protection for your family's financial security. Many people buy themselves a life insurance policy that will protect their family. It's also possible for people to purchase life insurance policies for someone else. For example, children can purchase policies for their parents and vice versa. Life insurance coverage offers valuable financial protection. You… Read More
The post 3 Tips for Finding an Affordable Life Insurance Policy appeared first on Credit.com.
Posted in Insurance, Life Insurance, Personal Finance, PPC Guide Tagged agent, All, Budget, Buy, Children, Credit, Debt, Family, Financial Wize, FinancialWize, Grow, Health Insurance, Insurance, insurance coverage, life insurance, Personal Finance, Purchase, Security
Homie's Greater Phoenix, AZ Housing Market Update November 2020
| Starting A Business
What was Arizona's housing market like in November? Homie has your update!
The post Homie's Greater Phoenix, AZ Housing Market Update November 2020 appeared first on Homie Blog.
Posted in Starting A Business Tagged agent, All, Arizona, Blog, Buy, Buying, Financial Wize, FinancialWize, Home, selling
What Buyers and Sellers Need to Know About Multiple Listing Services
In the world of real estate, both buyers and sellers need to ensure they have access to a multiple listing service for many reasons. The connection? Using a real estate professional. Here are the benefits both buyers and sellers need to know when using an MLS.
The post What Buyers and Sellers Need to Know About Multiple Listing Services appeared first on Homes.com.
Posted in Airlines, Home Design Tagged agent, Buying, Financial Wize, FinancialWize, mls, multiple listing service, realtor, selling, Selling a Home
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FBI agents badly botched their interview of suspect Richard Jewell in the 1996 Atlanta Olympics bombing case, committing a "major error in judgment" that could have jeopardized the case, the Justice Department said in a report Monday.
The report, which formalizes and expands on what officials have said privately for some time, paints the FBI as having bungled the Jewell interview in an almost Keystone Kops manner.
Senior FBI officials hope the report will help close the book on the embarrassing episode, but they may have to wait because Jewell himself is to testify Wednesday before a House committee. Furthermore, with the investigation into the bombing still open, the FBI's conduct in the case is certain to face more scrutiny.
The report details how agents in Atlanta devised a last-minute, seat-of-the-pants ruse to persuade Jewell that he was being interviewed for a training videotape. Then, when FBI Director Louis Freeh, who the report said was not informed of the ruse, insisted that Jewell be read his Miranda rights, the ploy fell apart.
Agent Don Johnson, who felt "blindsided" by Freeh's edict as he was interviewing Jewell, tried to persuade Jewell that the Miranda warning was merely part of the training tape, the report says.
Jewell immediately became suspicious and phoned his lawyer, who advised him to stop answering questions.
If Jewell had proceeded with the interview and supplied self-incriminating information, it would likely have been useless in court.
Because the Miranda warning that he had the right to remain silent was given under false pretenses, Jewell's constitutional rights could have been violated, according to the report.
"Presenting the Miranda rights in the manner in which they were presented could clearly indicate to any reasonable person that the Miranda rights were being given as part of this video ploy," Freeh told a Senate Judiciary subcommittee Monday.
As it happened, Jewell apparently had no self-incriminating information to give and was later exonerated.
So the FBI agents technically did not violate his rights, Freeh said, not because they handled the situation correctly, but only because Jewell did not incriminate himself.
The report did conclude that the video ruse itself was perfectly appropriate. Police often use "strategic deception"--for example, falsely telling a suspect that his accomplice has confessed--and the courts have upheld this as a legitimate tactic.
But the report blames the agents on the scene for not informing their superiors about the ploy.
Agent Johnson and a supervisor have been suspended for their roles in the Jewell case and two higher-ups have received letters of reprimand.
The case, meanwhile, has taken a dramatically different turn. The FBI now believes the Olympic bombing is linked to two other recent bombings in Atlanta committed by a right-wing extremist group.
The report, supplemented by Freeh's testimony, provides a new and complete account of the bungled interview.
When Jewell came to the FBI's attention as a potential suspect in the July 1996 bombing, agents decided to interview him on videotape.
The cameraman, from the FBI Academy in Quantico, Va., happened to mention that he might use parts of the interview for a training video he was making.
That planted an idea in the agents' heads. When Jewell seemed alarmed at having the interview taped, the agents placated him by saying it was for a training video.
It apparently did not occur to them to read Jewell his rights; ordinarily that is done only when someone is arrested. But when Freeh heard that Jewell was being interviewed, he ordered that he be read his Miranda warning "out of an abundance of caution."
This was a surprise to Johnson, the agent conducting the interview. Struggling to incorporate the warning into his video ploy, Johnson told Jewell that to make their session seem like a "real, official" interview, "I'm even going to go as far as to advise you of your rights."
Jewell phoned his lawyer and ended the session.
The episode turned into a disaster for the FBI.
The Atlanta Journal-Constitution reported that Jewell was a suspect, and the bureau was widely suspected of leaking the information and then of tarring an innocent man.
Many FBI agents are angry at the disciplinary action taken against Johnson, complaining that Freeh is at least partly to blame for the mess and that the line agent was a scapegoat.
When Johnson returned his office after his suspension, more than 100 agents lined the sidewalk to greet him.
John Sennett, president of the FBI Agents Association, said the report prepared by the Justice Department's Office of Professional Responsibility, which investigates misconduct within the department, confirms the notion that Johnson was unfairly targeted.
"The report seems to say that the agents are guilty of no misconduct and no violation of anyone's constitutional rights," Sennett said. "That leads us to ask the question, why was anyone punished?"
Freeh has sent a memo to all FBI agents stressing that ruses may be fine, but they can never be the context for giving someone his constitutional rights.
Freeh also spoke up on behalf of his troops.
"The pressures are intense on those agents in those situations, where everybody in the FBI, including the director, is looking over their shoulder," Freeh said.
"I think it is a very major error, but a very unique one for the FBI."


text:
Taylor, Gilchrist predict big pay cuts for Australia players
Sunday, April 19th, 2020 4:52pm
iStock [illustration]
Australia's cricketing stars Mark Taylor and Adam Gilchrist believe pay cuts are inevitable for the country's players amid the financial uncertainty created by the COVID-19 pandemic.
It comes just days after Cricket Australia (CA) announced plans to lay off almost 80 per cent of its staff and 20 per cent pay-cut until June 30.
Gilchrist, who retired in 2008, predicted "ongoing and long-standing consequences".
"Without being aware of any numbers and the financial side of it, I wouldn't be surprised if we go back a decade or two to the level of payment that players get. Even maybe further for a while," Gilchrist told ABC Grandstand on Sunday.
"It's going to get stripped back, right back. Support staff numbers have to get dragged back."
Former captain and CA board member Taylor said there was "no doubt" players would be impacted.
"I also suspect that Cricket Australia and the ACA (Australian Cricketers' Association) have been working together on this. I hope they get their heads together and sort out a good solution for the near future," he told the Nine Network.


text:
Q: React: filter array: Can I work with elements that didn't pass the test? I am working on a React app. In my React app, I have a price list in "Price" popup window that I was able to code to edit, add, or delete each item in the price list. However, I need to modify the delete function to change the status of a button from disable to active.
I had it set up that if I "Add" a price in the "Price" popup window, the "Add" button is now disabled to prevent adding more entries since the price entry is supposed to be limited to one entry per day.
Therefore, the way my delete function is coded is that it filters through the price list and remove the price from the price list.
handleDeletePrice = deletePrice => {
   // const { date } = this.props;
   this.setState(prevState => ({
   // spreads out the previous list and delete the price with a unique id
   priceArr: prevState.priceArr.filter(item => item.date !== deletePrice)
   }));
};

What I am attempting to do is to check if the deleted price's date is the same as today's date for the price that was added. If the deleted price's date is today, then I will active the "Add" button in the "Price" popup window so that I can add another today's price.
Here's my attempt that's not working:
handleDeletePrice = deletePrice => {
  // const { date } = this.props;
  this.setState(prevState => ({
    // spreads out the previous list and delete the price with a unique id
    priceArr: prevState.priceArr.filter(item => {
      if (item.date !== deletePrice) {
        return item;
      }
      if (deletePrice == todaydate) {
        return buttonDisabled: true;
      }
    })
  }));
};

The buttonDisabled is a state.
  constructor(props) {
    super(props);

    this.state = {
      priceArr: this.props.pricelist,
      showPricePopup: false,
      addPricePopup: false,
      todaydate: new Date().toLocaleDateString(),
      date: props.date || "",
      number: props.number || "",
      buttonDisabled: this.props.buttonStatus
    };
  }

Do I need to use a different method to go through the price array such as forEach to push the deleted price in another array and then, filter through the deleted array to see if it matches today's date to activate the button?
You can check out my CodeSandBox demo at https://codesandbox.io/s/github/kikidesignnet/caissa

A: You can update your buttonDisabled flag based upon whether the deletePrice is equal to today's date or not,If it is equal to to today's date then button disabled is false and vice-versa.I tried in the code sandbox and the add button gets enabled again.
Also,deletePrice variable can be  named as deletePriceDate for  better representation.
    handleDeletePrice = deletePrice => {
    const { todaydate } = this.state;
    console.log("deletePrice", deletePrice);
    this.setState(prevState => ({
      // spreads out the previous list and delete the price with a unique id
      priceArr: prevState.priceArr.filter(item => item.date !== deletePrice),
      buttonDisabled: !(deletePrice === todaydate)
    }));
  };

Also,regarding your original function of elements failing the filter test,the lodash library does have a reject function but there is no javascript method as such.

A: Just a slight change in data structure might solve your problem. You can use javascript Map instead of priceArr array. Disabled state of your button depends only on one entry of prices list. Using Map you can just check if entry for particular date exists or not. It will also help in deletion and you can avoid iterating over same array again and again. Please let me know if you need more help with code.

redpajama_set_name: RedPajamaStackExchange


text:
Stone Roses: Limited Edition Clear Vinyl
Release Date 20 January 2023
Classic debut album by the English rock band, originally released in 1989. The album was a breakthrough success for the band and garnered critical acclaim, with many critics regarding it as one of the greatest British albums ever recorded. It includes the singles 'Made of Stone', 'She Bangs the Drums' and 'I Wanna Be Adored'.
Track Track name Artist Time
1 Track 1 I Wanna Be Adored The Stone Roses 4.52
2 Track 2 She Bangs the Drums The Stone Roses 3.42
3 Track 3 Waterfall The Stone Roses 4.37
4 Track 4 Don't Stop The Stone Roses 5.17
5 Track 5 Bye Bye Badman The Stone Roses 4
6 Track 6 Elizabeth My Dear The Stone Roses 0.59
7 Track 7 (Song for My) Sugar Spun Sister The Stone Roses 3.25
8 Track 8 Made of Stone The Stone Roses 4.1
9 Track 9 Shoot You Down The Stone Roses 4.1
10 Track 10 This Is the One The Stone Roses 4.58
11 Track 11 I Am the Resurrection The Stone Roses 8.12
More products from The Stone Roses
Second Coming: Vinyl Edition
The Very Best Of The Stone Roses: Limited Edition Vinyl
The Remixes: 180gm Black Vinyl
Buy Now: Estimated Dispatch within 10 - 12 days


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Niagara-on-the-Lake is renowned for its lovely gardens, flower beds and hanging baskets along Queen Street.
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text:
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South Dakota Cattleman to U.S. Senate Committee: American Beef is Climate Change Solution
WASHINGTON (Oct. 17, 2019) -- South Dakota cattle producer Todd Wilkinson today told a U.S. Senate subcommittee that contrary to the claims of some environmental and anti-animal-agriculture activists, "American beef production and consumption is a climate change solution."
"Climate policies that unfairly target cattle producers fail to recognize the positive role of cattle and beef in a healthy, sustainable food system," Wilkinson told members of the U.S. Senate's Environment and Public Works Subcommittee on Clean Air and Nuclear Safety. "Rather than adopting misguided policies that threaten the viability of farmers and ranchers, we want to shift the conversation."
The subcommittee held today's hearing on the issue of "Reducing Emissions While Driving Economic Growth: Industry-Led Initiatives." In his testimony, Wilkinson discussed the environmental benefits of grazing, and busted myths about the effect of methane on global climate.
"(Grazing) naturally sequesters carbon, a benefit compounded by ruminant grazing," Wilkinson explained. "Grazing builds deep root systems in prairie grasses, which improve soil health. Healthy soils retain more water, sequester more carbon, and increase the resiliency of our ranches."
"Methane emissions from cattle are part of the natural methane cycle," Wilkinson continued. "Within 10 years, more than 90 percent of that methane combines with oxygen in the atmosphere and converts to CO2. Methane has no long-term impact on climate when emissions and oxidation are in balance. And this balance has been maintained for centuries."
Wilkinson, who is co-owner and operator of a commercial cow-calf operation and feeing business in De Smet, S.D., also serves as NCBA's 2019 Policy Division Vice Chairman and as Vice President of the South Dakota Cattlemen's Foundation. He closed his testimony by reminding Senators of producers' long commitment to environmental stewardship.
"The U.S. cattle industry is proud of its history as stewards of our nation's natural resources," he said. "Cattle producers are America's original conservationists, and we work hard every day to ensure that we can pass our operations on to the next generation. My family, and the entire American cattle producing community, is committed to remaining environmentally, economically, and socially sustainable for generations to come."
You can read Wilkinson's full written testimony here.
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Cornelis Maartenszoon Tromp, Count of Sølvesborg (3 September 1629 – 29 May 1691) was a Dutch naval officer who served as lieutenant-admiral general in the Dutch Navy, and briefly as a general admiral in the Royal Danish-Norwegian Navy. Tromp fought in the Anglo-Dutch Wars and the Scanian War. His father was Lieutenant Admiral Maarten Tromp.

Biography

Early life
Cornelis Maartenszoon Tromp was born on 9 September 1629, in Rotterdam, in the historically dominant county of Holland. He was the second son of Maarten Tromp and Dina Cornelisdochter de Haas. His name Maartenszoon, sometimes abbreviated to Maartensz, is a patronymic. He had two full brothers, Harper and Johan.

In 1633, when he was only four years old, his mother died. His father remarried in 1634, and again in 1640. The two marriages brought Tromp four half brothers and five half sisters. His father had made career as an officer for the Admiralty of the Maze. After a conflict with Lieutenant Admiral Philips van Dorp in 1634, Maarten Tromp left the fleet starting to work as a deacon. After Van Dorp was removed from his position in 1637, his father became lieutenant admiral and supreme commander of the Dutch Navy.

In 1642, Tromp was sent to Harfleur, France, to learn to speak French from a Calvinist preacher.

Early navy career

On 1 September 1643, he joined his father on his flagship the Aemilia. In September 1645, he was appointed as lieutenant and commanded a small squadron charged to pursue the Barbary pirates. On 22 August 1649, he was made a full captain. He served in the First Anglo-Dutch War, fighting in the battle of Leghorn, but was not given command of the Mediterranean fleet after the death of Johan van Galen, only being promoted to rear admiral with the Admiralty of de Maze on 11 November 1653, after the death of his beloved father, Maarten.

In 1656, he participated in the relief of Gdańsk. In 1658, it was discovered he had used his ships to trade in luxury goods; as a result he was fined and not allowed to have an active command until 1662. Just before the Second Anglo-Dutch War, he was promoted to vice admiral on 29 January 1665; at the battle of Lowestoft, he prevented total catastrophe by taking over fleet command to allow the escape of the larger part of the fleet.

Lieutenant admiral

Gaining sudden popularity, he was temporarily given supreme command as lieutenant admiral of the confederate fleet on 23 July 1665, but had to give up this function (but not rank) the next month in favour of Lieutenant Admiral Michiel de Ruyter; he fought, having been transferred to the Admiralty of Amsterdam on 6 February 1666, under the latter in the Four Days Battle and the St. James's Day Battle.

As this failure off Nieuwpoort in August 1666 was imputed to him by De Ruyter, he was dismissed, at the same time, being under the suspicion of plotting to overthrow the government, but he was reinstated in April 1673 by William of Orange, after the Orangists seized power, to fight against the French and English navies in the Third Anglo-Dutch War. There he participated in the last three fleet actions under Lieutenant-Admiral-General Michiel de Ruyter, distinguishing himself in the double battle of Schooneveld and the battle of Texel in August 1673, fighting out an epic duel with his personal enemy Edward Spragge, who drowned.  During this war, his flagship was the Gouden Leeuw, of 82 cannons.

In 1674 a Dutch fleet under Tromp operated along the French coast. He directed a landing on 27 June on the island of Belle Île, on the coast of Brittany, and captured its coastal bulwarks. The Dutch however left the island again after 2 days, because the 3,000 French defenders had taken refuge in the island's strong fortress and a siege would have taken too long. A few days later, on 4 July, the island of Noirmoutier was attacked. After a short struggle, which left more than a hundred Dutch men out of action, the French retreated to Poitou, leaving the island, with its castle, coastal batteries, more than 30 pieces of artillery and several ships, in the hands of the Dutch. For nearly three weeks, the Dutch flag flew from the walls of the French stronghold and the Dutch fleet captured many French ships in the meantime. The whole region from Brest to Bayonne was in turmoil, and several strong French forces gathered there to prevent the Dutch from landing. On 23 July the island of Noirmoutier was however abandoned after the Dutch blew up the castle and demolished the coastal batteries. The French coast was kept in fear for some time, but after visiting the Mediterranean Sea, Tromp's fleet returned to Holland at the end of 1674.

He was closely involved in the murder of Johan de Witt and Cornelis de Witt in 1672. In 1675, he visited England and was created an English baronet and a Dutch erfridder by Charles II of England, but he refused an honorary doctorate when visiting Oxford.

Danish-Norwegian Navy and Scanian War
On 8 May 1676, he became admiral general of the Danish-Norwegian Navy and Knight in the Order of the Elephant; in 1677, Count of Sølvesborg – then a Danish nobility title. He defeated the Swedish navy in the Battle of Öland, his only victory as a fleet commander. Tromp led the successful landing at Ystad in Scania in June 1677, where there was a minor but still notable fighting before the Swedes withdrew and left the city in Danish hands. Tromp summoned all the local noblemen of Danish origin to his presence in order to promise they would stay still on their estates and not cause any trouble. He then took a two-week holiday at Baron Jörgen Krabbe's Castle Krogholm (now Krageholm), just north of Ystad. During this period Tromp also licensed the local Danish bailiffs to recruit as many males as possible for the local Danish militias and sheriffs' teams. Tromp is mentioned in the local court registers for having licensed a Sheriff by the name of Bendix Clausen to recruit men in six different districts (hundreds) and there was some fierce fighting between these troops and the Swedes. Clausen and his men were branded as criminal 'snapphanar' by the Swedes. For that reason Tromp also played a role for the snapphanar, who were in essence the local resistance and Danish para-military troops.

Lieutenant-admiral general
On 6 February 1679, he became lieutenant-admiral general of the Republic but never fought in that capacity, having become a liability to the new regime of William III. He died in Amsterdam in 1691, his mind broken by alcohol abuse and remorse, still officially commander of the Dutch fleet, after having been for a period replaced by Cornelis Evertsen the Youngest.

Character

Tromp was a very aggressive squadron commander who personally relished the fight, preferring the direct attack having the weather gage over line-of-battle tactics. As a result, he had to change ships often: four times at the Four Days' Battle, three times at Schooneveld and two times at Texel. He was popular with his crews, despite the danger he put them in, because of his easy-going manners and his supporting the cause of the House of Orange against the States regime of Johan de Witt. However, he often treated his fellow officers with contempt, both his equals and superiors.

Tromp is infamous for his insubordination, although the two examples most often mentioned in this context, not following De Ruyter on the second day of the Four Days' Battle and chasing the English rear in the St James's Day Fight, seem to have been honest mistakes. He was very jealous of De Ruyter but generally treated him with respect, though he considered him too common. Tromp tried to imitate the lifestyle of the nobility, marrying a rich elderly widow, Margaretha van Raephorst, in 1667. He had no children. At home, without fighting to distract him, Cornelis, or Kees as he was normally called, grew quickly bored and indolent. He had the reputation of being a heavy drinker, so much so that many inns at the time were named after him.

Tromp was a vain man, having an extremely high opinion of himself, which he never hesitated in sharing with others. He felt that, son of a famous father, he had a natural right to the position of naval hero. During his life he posed as a sitter for at least 22 paintings, a record for the 17th century, many by top artists such as Ferdinand Bol. His art possessions were displayed in his estate, that long after his death was called 'Trompenburgh', the manor house built in the form of a warship.

As his wider family was among the most fanatical supporters of Orange, he participated in most of their schemes, especially those of his brother-in-law Johan Kievit, a shrewd and unscrupulous intriguer. Tromp however had no great enthusiasm for subtle plotting; later in life he came to regret many of his actions. He died in great mental anguish, convinced he would go to hell as punishment for his crimes.

Legacy
The Dutch Ministry of Defence names Maarten Tromp and Cornelis Tromp as naval heroes. Since 1777, nine navy ships have been named Tromp in honour of them, most recently the frigate .

References

Notes

Footnotes

Sources

External links

1629 births
1691 deaths
17th-century Dutch military personnel
Admirals of the navy of the Dutch Republic
Dutch naval personnel of the Anglo-Dutch Wars
Dutch Orangists
Baronets in the Baronetage of England
Military personnel from Rotterdam


This numbness eventually progressed into extreme pain: a blister had formed on her foot and had worked its way up to the nerve. These symptoms eventually evolved into a constant burning sensation on the tops of both feet and spasms of pain along both arches. Walking became difficult to near impossible and it got to the point where the pain made it difficult to even sit or lie down for long periods of time.
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Lush short evening dress on wholesale from Super Nova.
Short evening dress with bare shoulders and a puffy skirt. The corset down to the waist has a thin belt made of royal satin on the bottom. The back is on the flap with lacing. The skirt top layer has the same color as guipure. The dress is decorated with guipure elements embroidered with sequins.