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Nano Tools: Building Resilience
"Real" Ways to Thrive During Tough Times
Contributor: Katherine Klein, PhD, Edward H. Bowman Professor of Management, Vice Dean, Wharton Social Impact Initiative, The Wharton School.
Nano Tools for Leaders are fast, effective leadership tools that you can learn and start using in less than 15 minutes — with the potential to significantly impact your success as a leader and the engagement and productivity of the people you lead.
The Goal: Build resilience in yourself and your team.
Nano Tool: Resilience — the capacity to bounce back from setbacks or to thrive during times of challenge or change — is not a fixed trait. It actually grows out of a set of "learnable" behaviors with results that interact to make you and your team less vulnerable to stress. Whether you're dealing with the acute stress of sudden challenges, or the chronic stress of daily life, simple daily actions can increase your resilience.
We are all resilient to varying degrees, yet everyone can become even more resilient. A wealth of research points to four factors that help people — and teams, and organizations, and countries — become more agile and effective under times of stress. The acronym REAL serves as a mnemonic: Relationships, Efficacy, Affect, and Learning. Strengthening one or more of these factors can significantly improve individual and team performance.
R = relationships. We are far more resilient when we are engaged and supported and motivated with and by others. Our ties to others make us stronger, happier, more creative — and more resilient to challenges.
E = efficacy. Believing that we make a difference, that we have control and that our actions matter, also builds resilience. Efficacy is about having goals and aspirations and the confidence that we can reach them.
A = (positive) affect. When we experience positive emotions (such as happiness, joy, optimism, satisfaction, gratitude, peace, and humor), our bodies relax. Our physical stress, including blood pressure, decreases. Positive affect makes us more creative and better able to find solutions and cope with stress.
L = learning. When we find lessons — meaning and peace — in our traumas, injuries, and stress, we are better able to move on, understanding that we have grown, matured, and strengthened as a result of the challenges we have faced.
How Companies Use It:
Southwest Airlines has shown tremendous resilience through numerous financial and national challenges, most notably the terrorist attack of 9-11. With 40 consecutive years of profitability in a business sector where profits can be excruciatingly tough to come by, the company continues to build resilience through a focus on Relationships and Affect. It demonstrates a deep commitment to its employees, holding firm to its no-layoffs policy, even after 9-11 when every other airline cut its workforce, and during the most recent recession. The company turns to its employees to find innovative cost-cutting measures, and doesn't penalize them when an initiative fails. In a culture that celebrates humor and positivity, it encourages employees to have fun on the job.
Rwanda's recovery after the horrific genocide of 1994 has been nothing short of extraordinary. Hutus and Tutsis live together in peace, and the country has one of the world's fastest-growing economies. At least 1 million Rwandans have been lifted out of poverty in just five years. Although Rwanda still faces exceptional challenges, its resilience can be attributed in part to two of the four resiliency factors: Learning and Efficacy.President Paul Kagame has been remarkably effective (a) in shaping the lessons citizens have learned from the trauma and tragedy of the genocide (We are all in this together as Rwandans, We must practice forgiveness and acceptance and live together peacefully, We cannot count on other countries to save us but must forge our own path) and (b) in building citizens' sense of self-efficacy for themselves and their country (the creation — through a highly participative process — of Vision 2020 — a document that spells out in great detail Rwanda's goal to become "a middle-income nation in which Rwandans are healthier, educated, and more prosperous. The Rwanda we seek is one that is united and competitive both regionally and globally").
See the Additional Resources links below for more examples and research findings.
Action Steps:
Here are just a few of the many ways that leaders can build resilience in themselves and others. As you read the examples, think of other ways that you could expand your own strengths, or the strengths of your team, in each of the four key areas.
R = relationships. Think of the people you turn to during times of stress, or potential mentors who you would like to be able to consult, and look for ways to build and strengthen those relationships. Could you set up regular phone calls, or a monthly lunch date just to check in? Look for ways that you can add value to the relationship. You can also coach or mentor the people on your team, and encourage them to build their own network of supportive relationships. Coaching others builds your own resilience.
E = efficacy. To enhance efficacy in your team allow them to share their ideas, set inspiring goals for themselves and provide the means for them to take action. Have them keep an "Accomplishment Log" of their goals, progress and successes. Try keeping your own Accomplishment Log too, and turn to it as an energizer whenever you hit a roadblock. It will remind you of all the times you've made it past roadblocks before.
A = (positive) affect. Look for ways to spark positive emotions in your team and coworkers. Whether it's through praise, humor, or a fun surprise at a team meeting, the positive emotions your team feels will make them more energized, productive, and resourceful. Make a list of your own energizers too, and fill your day with them. It could be pictures of your loved ones on your desk, your favorite music, closing your eyes for a 2-minute mini vacation to your favorite place to relax, or even pausing to take one slow, deep breath. Mindfulness is one of the best antidotes to stress.
L = learning. After-action reviews (AARs) can help your team learn from its missteps and take positive actions to avoid similar outcomes in the future. [Read this Nano Tool to learn seven action steps for AARs.] They also help you celebrate your team's successes. At the end of each day or week, open a journal and reflect on your successes and challenges, what you've learned, how it impacted you and others, and what you plan to do differently in the future.
Share Your Best Practices:
Do you have a best practice for increasing resilience? If so, please share it on our blog at Wharton's Center for Leadership and Change Management.
"Psychological Resilience, Positive Emotions, and Successful Adaptation to Stress in Later Life," Anthony D. Ong, C. S. Bergeman, Toni L. Bisconti, and Kimberly A. Wallace, Journal of Personality and Social Psychology, 2006, Vol. 91, No. 4, 730–749. Reveals the findings of three studies which indicate that the occurrence of daily positive emotions serves to moderate stress reactivity and mediate stress recovery, and that over time the experience of positive emotions functions to assist high-resilient individuals in their ability to recover effectively from daily stress.
"The Science of Resilience: Implications for the Prevention and Treatment of Depression," Steven M. Southwick and Dennis S. Charney, Science Magazine, Vol. 338, October 5, 2012, 79-82. Describes the wide variety of human responses to stress and trauma, and many strategies and interventions designed to increase resilience for the prevention and treatment of depression.
"To Build Resilience: Leader Influence on Mental Hardiness," Paul T. Bartone, Charles L. Barry, and Robert E. Armstrong, Defense Horizons, No. 69, November 2009, 1-8. Provides suggestions for increasing hardiness and stress resilience in organizations, primarily through leader actions and policies. By setting the conditions that increase mental hardiness, leaders at all levels can enhance human health and performance, while preventing many stress-related problems before they occur.
"Developing Sustainable Leaders Through Coaching and Compassion," Richard E. Boyatzis, Melvin L. Smith, and Nancy Blaize, Academy of Management Learning & Education, March 2006, Vol. 5, Issue 1, 8-24. Suggests that to sustain their effectiveness, leaders should emphasize coaching as a key part of their role and behavioral habits.
Southwest Airlines Culture, as described by founder and former CEO, Herb Kelleher: http://www.youtube.com/watch?v=M7b391n_TnY
Rwanda Vision 2020: http://www.youtube.com/watch?v=GPJiT1-Yo3w
About Nano Tools:
Nano Tools for Leaders was conceived and developed by Deb Giffen, MCC, Director of Innovative Learning Solutions at Wharton Executive Education. It is jointly sponsored by Wharton Executive Education and Wharton's Center for Leadership and Change Management, Wharton Professor of Management Michael Useem, Director. Nano Tools Academic Director, Professor Adam Grant.
January 15, 2015 | Nano Tools resilience
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Back in early January, we took a trip to Tromsø, Norway, which is at 69° N latitude, a full 10° above Oslo. Here is our view on the way in.
Tromsø is a beautiful city, especially when it's dark. And in Tromsø it is dark almost all the time in January. This is a photo just outside our hotel at 1:30 in the afternoon. In January, you get a couple of hours of daylight around noon.
There are lots of fun things to do in Tromsø, but Maddie and Ada had the most fun climbing on and sliding down the huge snow piles around the city.
Tromsø also has some great museums. We were especially impressed by the science museum, and as you might imagine, winter and climate change were major themes.
Here's a great exhibit exploring the symmetry of snowflakes.
And here's Maddie and Ada trying an exhibit that simulated pushing a sled on the snow.
Notice the socks—everyone has to leave their dirty snow covered shoes at the door, a common practice in Norway.
The main reason we chose to visit Tromsø was to see the Northern Lights. Even though Tromsø was close enough to the arctic circle and we were there during the darkest time of year, light pollution and variable cloud cover meant we had to leave Trømso to actual see the lights. So, we booked an expedition to see the Northern Lights with "Chasing Lights." We set out at 6pm on a fancy touring bus with 50 other tourists hoping to catch a glimpse of this wonder. This turned out to be quite an adventure—it was too cloudy just south of Trømso to see the Northern lights, so the bus began a long journey toward the Finnish border, stopping along the to see if the cloud cover had reduced inland. Fortunately Ada was able to sleep for 2 hours on the drive there and Maddie was able to enjoy gazing at the constellations on a perfectly dark cloudless nighttime sky (though with no "northern lights" activity) on our first stop before we reached Finland.
Below is the route we took—we got to the Finland border just around midnight and arrived back at Tromsø around 3am. But what is time when it's completely dark outside 22 hours a day?
Of course, we all had visions of the spectacular photos you see when you picture the Northern Lights. Alas, that isn't quite what we saw. When we got off the bus at the border, we could see low clouds, and above the clouds, a faint smudge of a light gray/ possibly green? light above the clouds—truly unimpressive, and worth making you wonder why you got off the warm bus when it was -15°C outside. But the CCD in the camera is much more sensitive than your eye, so when the guides took our photos, you do see a green halo on the horizon—success! Of course, Ada, as usual, wasn't interested in getting her picture taken and Maddie, who was asleep on the bus when we reached the Finnish border, had to be practically dragged out of the bus to see the phenomenon. After cookies and hot chocolate and a brief attempt at building a fire by our guides, we all got back on the bus for the long 3 hour bus ride back to Tromsø.
I was glad we convinced Maddie to get out of the bus because after our trip, Maddie added the photos above to her school iPad and proudly showed her classmates the picture of us with the Northern Lights. Even though we were less than impressed, Maddie and Ada couldn't stop talking about the Northern Lights and drew some pretty great pictures of themselves with the Northern Lights the next day as we took a break at the local library in Trømso.
Another highlight of our trip was a morning spent visiting reindeer and learning about Sami culture, the native people of Norway. We got to feed the reindeer—they would just walk right up to you and eat from the bucket of reindeer food.
After all of this, we gathered in a warm Sami tent for a traditional lunch of reindeer stew, and an explanation about Sami culture from one of the local Sami reindeer herders.
Perhaps the most surprising thing about Tromsø is the weather. We went expecting it to be a record-setting cold that we'd remember for the rest of our lives, but in reality, temperatures were mostly right around freezing, and we spent a good deal of one day in our hotel room because of the heavy rain outside. Tromsø (and coastal Norway in general) are known to have a warmer climate that many other parts of the arctic due to the gulf stream, but watching heavy rain outside your window in early January above the arctic circle still feels a bit strange.
Speaking of hotel rooms, if you ever stay in a hotel in Norway, the "Scandic" hotel chain has an amazing breakfast buffet included in the price of your hotel room- lots of Norwegian knekke brød, fresh fish, Norwegian vaffles, pancakes, eggs of all sorts, an assortment of cheeses, fresh fruit, and even fresh orange juice.


What's the very first thing you consider if you hear: hurricane, hurricane, tsunami, earthquake, wildfire, or nor'easter? They're all disasters. Your subsequent ideas would in all probability go in the direction of the Federal Emergency Administration Company (FEMA), the American Purple Cross, and all the issues you may probably do to assist in a time of want.
Have you learnt what you don't consider?
You don't consider the authorized ramifications that accompany any catastrophe. You don't assume, "What happens if FEMA denies someone assistance?" or "What about a renter's lease and security deposit if the rental unit is destroyed?" It's okay. I didn't assume a lot of it both.
Actually, such as you, I used to be at this time years previous once I discovered that the ABA has a Disaster Legal Services Program.
This yr, the ABA's 10th annual Professional Bono Week focuses on catastrophe resiliency. In an effort to deliver extra consciousness to the Disaster Legal Services program, I had the probability to speak with Andrew VanSingel, a tax lawyer, who volunteers his time as a Particular Advisor to the Disaster Legal Services (DLS) group. Previous to his time as Particular Advisor, Mr. VanSingel served as the program's coordinator.
He was gracious sufficient to reply some questions on the program.
Q: What made you need to get into catastrophe aid? How did you become involved?
AVS: I graduated regulation faculty in 2010, and shortly after began working for Prairie State Legal Services, a authorized help company, outdoors of Chicago managing a Low-Revenue Tax Clinic. I labored with different authorized help legal professionals as tax regulation touches many areas of civil authorized service– household regulation, housing, and so forth. I had an opportunity encounter with David Nguyen at a Younger Legal professionals Division (YLD) assembly in Maryland. At the time, he was operating the DLS program and thought I might be a very good successor, given my background in civil authorized providers. Two years later, I used to be appointed to the place by then YLD chair Lacy Durham. who thought Disaster Legal Services can be a superb match for me with my public curiosity mindset. It was one thing I used to be eager about and I used to be appointed. On Day 1, we had a catastrophe declaration in Saipan in the Northern Pacific. A number of months in the past, I aged out of the YLD, however I nonetheless keep a Particular Advisor position inside the program.
I discover the work interesting as a result of it's so intently associated to poverty regulation, simply with a catastrophe overlaid on prime of it. It requires a big quantity of coordination to implement and perform to assist individuals who can't afford an lawyer and help throughout and after a catastrophe.
Q: How do you put together for impending disasters, akin to Hurricanes Florence and Michael?
AVS: There's no such factor as an ideal plan. Regardless of how good the plan is, or how properly it was carried out in the previous, there's all the time a method to enhance.
A number of years in the past, we noticed some bar associations had a catastrophe plan, however they have been virtually too complete and detailed. This made it troublesome to implement DLS in case you needed to undergo a 90-page plan. So, we created a two-page catastrophe template that gave District Representatives a concise plan of motion, and instructions on learn how to implement DLS. The 2-page template accommodates contact information and knowledge as to "who does what" when DLS is carried out. It's not good, however it should get you about 90 % by means of the state of affairs.
We additionally talk these plans to each authorized and non-legal organizations and educate them on the DLS program earlier than a catastrophe strikes. This was an incredible development to the program as many organizations have been unaware the ABA has a Disaster Legal Services program and unaware as to how that program works. In giant catastrophe, FEMA sometimes requests us to implement DLS inside a couple of days of a catastrophe declaration. This was the case for Hurricanes Florence and Michael; nevertheless, for smaller incidents, it might take a number of weeks for FEMA to formally request we grow to be concerned. This helps us to keep away from the awkward state of affairs of getting with a catastrophe a month after that incident, and the native companions assume that we aren't being responsive or poorly organized.
Q: What are the commonest authorized issues the Disaster Legal Services program assists with?
AVS: We see lots of points associated to housing, whether or not it's a private residence that the particular person owns, or if it's a place that they lease. With renters, we see plenty of points with landlords. For instance, a landlord might hold the safety deposit for a house that was destroyed, or they could demand lease for the unit regardless that it suffered injury on account of the catastrophe. We additionally see landlords evicting renters, to allow them to re-rent the models at a premium because of the scarce provide of liveable rental models.
With householders, FEMA requires that they show they have been the lawful proprietor of the residence and that they occupied that house throughout the catastrophe. However, not everybody retains the title of their residence up-to-date, particularly when the property is handed down generationally. That is particularly seen in decrease revenue communities the place they could not be capable of afford an lawyer to appropriately switch title from one proprietor to a different. In Puerto Rico and Louisiana, the titling legal guidelines are modeled on the Spanish Civil Code or French Civil Code, respectively, and the course of for clearing heirship could also be arcane, complicated, and dear. Principally, it's virtually inconceivable with out the assist of an advocate.
One other concern that may come up is the public's concept of the federal authorities's position on the subject of disasters. Many assume that FEMA's position is to return right into a catastrophe, take over operations, and put individuals's lives again collectively, to the means it was earlier than the catastrophe struck. Actuality is way from that view. All disasters start, and finish, as native issues and FEMA is there to assist native authorities scale up their response. FEMA helps recuperate, however not restore. The utmost catastrophe grant awarded is simply $34,000, and the common grant per particular person is $5,000. Nevertheless, many catastrophe survivors should take out a catastrophe mortgage from the Small Enterprise Administration (a portion of their portfolio is non-business catastrophe loans). Our program works in coordination with FEMA pursuant to a Memorandum of Understanding; nevertheless, a majority of the authorized work is interesting determinations made by FEMA.
The little issues like meals, water and shelter have straightforward solutions. Legal points linger lengthy after the TV crews and catastrophe aid depart the website. They're long-lasting and depart and indelible mark on the lives of these affected, and the poorest of the poor by no means absolutely get well. Anecdotally, Southeast Louisiana Legal Services nonetheless have instances originating from Hurricane Katrina, and that was 13 years in the past. Disasters have deep and long-lasting impacts on those that are weak.
Q: What story, or tales, stick to you the most out of your work with the program?
AVS: The long-lasting influence of this program on my life is the resiliency of the human spirit, and our collective want to assist each other. This was confirmed to me time after time throughout my time with the program. For instance, I used to be travelling to Houston after Hurricane Harvey, and in my haste, realized I had by no means found out the place I used to be going to remain. As the aircraft was taking off (don't inform the FAA that I didn't have my telephone on airplane mode), I fired off an e mail asking my native contacts for leads on a spot to remain. By the time I landed, I had secured a spot to stick with the mother and father of a authorized assist lawyer. Whereas on that very same journey, I posted on Fb asking pals to think about donating $5-$10 so I might by provides for a close-by shelter in Port Arthur. We raised $1,300 in lower than 24-hours, and I related with Ray Panneton – a YLD chief in Houston – and made a four-cart Costco run. We loaded a 12-passenger van with provides, and Ray's pals, to make our option to Port Arthur the place we spent the day serving to the locals in any means we might. Earlier than heading again to Houston, we shared a prayer with the native restoration staff.
DLS isn't just carried out in the continental United States. In April, I used to be capable of go to American Samoa. The authorized group there's very small, so with the assist of two DLS members – Linda Anderson and Amanda Brown – we arrange a distant appeals clinic and resourced attorneys throughout the U.S. to assist with FEMA appeals. I'll always remember strolling off the jumbo jet and stepping onto the runway, with no cellphone service, asking myself, "What did I just get myself into?" Once I acquired to American Samoa Legal Assist, the subsequent day, they handled me like household. After a couple of days, I didn't need to depart.
Q: How can college students become involved?
AVS: There's a task for everybody who needs to assist. Regulation college students are tough as a result of they're not but licensed to apply. Some faculties supply catastrophe aid clinics, but when there's really a want to do [disaster relief], there's not a transparent path and it requires lots of dedication.
Nevertheless, the very first thing a regulation scholar can do is to attach together with your native authorized help company and garner expertise by way of them. As said earlier, catastrophe regulation is intently associated to the points that a civil authorized providers company would deal with, so get the expertise on these points now. Hold that dedication to serving to as soon as you're licensed.
Q: What recommendation are you able to supply regulation college students who're ?
AVS: Ghosting isn't acceptable in the courting world. It's particularly not acceptable when volunteering! In the event you increase your hand to volunteer – see it by way of. Lower than 15 % of the 2,500-people signed as much as volunteer after Hurricane Harvey took a case.
Your status is so essential on this career. Be somebody that's going to be seen as dependable. If that is the sort of labor that you're enthusiastic about, dive into it head first. You can also make an enormous splash in the career it doesn't matter what you're doing.
Talking with Mr. VanSingel was an enlightening expertise and an eye fixed opening one at that. If poverty regulation is your calling on this career, that is simply one other method to become involved.
So, as we go ahead with Professional Bono Week, hold this chance in thoughts if you end up completed with regulation faculty! And even now when you're a lawyer studying this. The Disaster Legal Services Workforce is 100 % volunteer staffed and is a good way to offer again. Keep in mind, not all disasters take the type of hurricanes or tornados, however all disasters have a necessity for authorized help.


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Q: what is the best way to implement one-time login feature I would like my app has the following feature:
User login with username and passowrd when first time install the app on phone. After successfully logged in, everytime when user launch the app again, the app doesn't ask for login credential again, but directly shows the landing screen. (Of course if user clear app data, the app will ask for login again)
The way to implement the feature in my mind could be that the app stores  username and password in SharedPreferences once user login successfully, then, when user launch the app again, my code could check if there are username and password in ShareadPrefereces, if so, directly show the landing page.
My question:
I am not sure whether it is safe or really a good practice to store user's login credential in SharedPreferences? If not, what is the best way to implement this one-time login feature?
(I am doing it for both Android and iOS. So, I would like to hear both Android good solution and iOS solution. Thanks!)

A: It's a bad practice to store credentials in SharedPreferences. In fact it's bad to store credentials anywhere on user's device.
Using some encrypting library, for example Hawk for android would be a better, but still not recommended option.
Better way would require some work on the backend side: in return to user's credentials server would return a token which can be used leter for authorization. The token would expire in some fixed amount of time (like day, week, etc.). Before this time passes you can make another request and update your token for a new one which will live another week (day, month etc.)
Even better approach would be to save the token using Hawk (or some other similar lib)

redpajama_set_name: RedPajamaStackExchange


Caribbean rum brand Soggy Dollar is sponsoring the 25-date Hit Makers & Rum Chasers songwriters tour in the US.
The brand's partnership with the tour, which kicked off on 29 January in Nashville, hopes to "authenticate the off-the-grid island vibe" associated with Soggy Dollar.
A selection of Soggy Dollar signature serves will be available during each date of the tour, and events will also include a silent auction and an island-inspired dinner menu created by Mat Vacharat, owner and head chef at Lucky Chops, based in St John in the US Virgin Islands.
All proceeds from the tour will support music and arts initiatives for school children in the US and US Virgin Islands.


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Releasing next year for Xbox One, PS4 and PS Vita.
Ubisoft's Assassin's Creed Chronicles Trilogy, which puts a side-scrolling twist on the classic Assassin's Creed formula, is now available to pre-order in India courtesy of e-Xpress Interactive Software. It retails for Rs. 1,999 on PS4 and Xbox One and Rs. 1,499 for PS Vita at online and offline retailers.
The trilogy is developed by Climax Studios and Ubisoft Montreal. It focuses on three Assassins during different periods in history, namely Shao Jun during the fall of the Ming Dynasty; Arbaaz Mir when tension arises between the Sikh Empire and the East India Company; and Nikolaï Orelov who must fulfil one last mission but gets caught up with princess Anastasia, thus leading to their escape from Russia.
Assassin's Creed Chronicles Trilogy will be available on February 9th 2016 for PS4 and Xbox One. The PS Vita version is out on April 5th 2016. The first episode – Assassin's Creed Chronicles: China – is currently available now though.


We Jennifer L. Armentrout and are so excited that Don't Look Back is finally out in paperback. Now we can have all of the versions on our shelves!
Samantha wakes up one day far from home with no clue as how she got there or who she is. She has dissociative amnesia and is a stranger in her own life. She doesn't like who she was or how she lived, so she tries to change, but not everyone is happy with these changes. After learning that her best friend, Cassie, went missing the same night she did, it's even more important for Samantha to remember that night—especially when it seems like someone is trying to stop her from remembering.
We loved that it had us guessing at every turn.
We loved the relationships, especially Samantha's relationship with her twin brother, Scott, and Julie (who was Samantha's ex-BFF) and Scott.
We didn't love the overall "meh" that we felt when reading, or the fact that Samantha was hard to connect with. More on her in a sec.
Scott Franco. We Scott so much. He was the Best Brother Ever!
Carson Ortiz. He's a fabulous book boyfriend. Since he's the groundskeeper's son, he's not from Sam's world. We love that he likes to take risks and the fact that he has flaws that don't make him fit in with her crowd.
"You were my first kiss," he said quietly.
Del. Samantha's boyfriend before she lost her memories. We didn't feel anything for him, honestly; he creeped us out. Zeroes all around for him.
Samantha Franco. We usually relate to the characters in some way but not with this character. We didn't hate her, but we didn't really connect with her, either. She was meh.
Cassie Winchester. The Best Friend who wanted everything Samantha had. She literally wanted to be her. And that's all we can say about her.
This is a stand-alone with a semi perfect, kinda cheesy ending. We really wish there was more, because we would love to see how Carson and Samantha handle their new relationship, and we want to see them in a college setting. You know JLA can do college romance like no other!
Oh, I read & reviewed that book last. Overall meh is absolutely the right word! I fell in love with Scott, too, he's such a lovely character! New book boyfriend for sure! Definitely liked the novel but the certain spark was missing I guess. Still love everything JLA though!


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Keeping it Real (Estate): VonKeith Properties opens Dana Point office
High demand from buyers, few homes for sale create ultimate sellers' market in Brevard
In the Phoenix Housing Market, Can the "Typical" Family Buy?
Hot real estate market shows signs of cooling
2021 Property Management Software Market Outlook Analysis by Major Key Players
Pam Coulson January 8, 2022
Real News | Immovable
If your real estate agent does these things, run the other way
Pam Coulson October 23, 2021
Will 2022 be the year to increase the occupancy rate of real estate in India?
Queensland real estate: Brisbane sellers who took couple's $ 75,000 deposit say it backfired
Pam Coulson November 24, 2021
Sellers who have been criticized for pocketing a couple's $ 75,000 deposit say they are "devastated" after an unexpected cost of the debacle.
Queensland home sellers who have been labeled 'greedy' for accepting a young couple's down payment have revealed that they ultimately failed to make huge profits.
The couple – who insist they "didn't do anything wrong" – were set to walk away with an additional $ 140,000 on the sale of their property in Brisbane after keeping the buyers' down payment, then resold the house for an additional $ 65,000.
But instead, they told news.com.au that they ended up with next to nothing.
Last week, news.com.au reported that Mark Trau, 30, and his fiancee Maddie Goyder, 27, lost their entire $ 75,000 deposit after their bank, Westpac, missed the deadline. settlement of the Jindalee property they wanted to buy.
Although Mr Trau and Ms Goyder made two requests to extend the impending October 20 deadline, first by a week and then by a day, both were rejected.
Less than 24 hours later, at 11 am the next day, Westpac was ready with all the papers.
By then it was too late. The sellers, a retired couple who have since moved to Western Australia, terminated the contract and took the deposit, as they were legally entitled to do.
They then resold the four-bedroom, two-bathroom home within hours of the deal collapsing for $ 65,000 more than what Mr. Trau and Ms. Goyder had offered.
However, retirees have now told news.com.au that their profits are minimal due to various commissions, fees and a legal disclaimer placed in the contract.
"The [real estate] the agent's commission, advertising costs, staging fees and legal fees were approximately $ 34,000 for the defaulted sale, "the sellers told news.com.au.
"We also had to pay realtor and lawyer fees for the second sale (these were about $ 29,000).
"The agents commission was 2.7% for the defaulted sale and the second sale, which means we paid over $ 50,000 in selling costs. "
The sellers also claim they lost "tens of thousands" more in additional legal fees as they had to prepare for a Supreme Court hearing to lift a warning on the property filed by buyers that could have blocked the second. sale.
Mr Trau and Ms Goyder offered $ 965,000 for a four bedroom, two bathroom house in the Brisbane suburb of Jindalee, where they planned to start a family.
However, it didn't look like Westpac would be ready for the October 20 at 5 p.m. settlement date.
Mr. Trau made "a number of frantic calls" and pleaded with the salespeople, but the sale was ultimately unsuccessful.
In most other Australian states there is a two week grace period if a settlement fails, but not in Queensland.
The sellers took the entire $ 75,000 deposit, leaving the young couple homeless for several days, and sold to someone else.
Hours after the contract collapsed, the house was marked as being sold on a real estate list for $ 1,030,000 – $ 65,000 more than Mr. Trau and Ms. Goyder's price.
On October 29, nine days after Mr Trau and Ms Goyder lost their dream home, they filed a warning on the Brisbane property.
A caveat is a legal document that protects the interests of buyers by preventing ownership from being transferred to someone else for three months.
Professor William Duncan, an expert in property law at the Queensland University of Technology, said a caveat is standard practice when there is a dispute over a property issue and they are considering to plead.
"This is a typical reaction of a buyer who feels aggrieved," he explained.
The nature of the warning means that it can only be removed by the Supreme Court, which is very costly.
With their new buyer due to settle the property on November 10, the sellers had no choice but to prepare for legal action rather than wait for the warning to expire.
If they hadn't, the new buyer could have sued them for having to give up that second contract.
They ended up paying lawyers and a waiting lawyer.
"This was devastating for us as it meant we were now faced with the prospect of potentially being sued by the second buyer as well as being unable to make our own purchase," the sellers wrote.
"We had no choice but to take legal action. The process of removing this disclaimer was extremely stressful and costly, leaving us tens of thousands of dollars considerably out of pocket. "
Professor Duncan said the fees for a lawyer when a house sells without legal complications are typically around $ 1,000 to $ 1,200, which the sellers likely had counted on when they chose to terminate the contract.
"I probably would have tried to convince them to give the [one-day settlement] extension, "said Professor Duncan.
"Normally, the sellers would have given them [Mr Trau and Ms Goyder] two more days to settle, but they probably did the sums [and thought] if they don't pay on time, they can get the $ 75,000 and then the $ 65,000, they are in advance.
He said the sellers got their 'comeuppleance' because: 'They might have gotten only a small benefit from it. [choosing to end the sale], enough to buy only the patio furniture.
The sellers pointed out to news.com.au that they had not decided to terminate Mr. Trau and Ms. Goyder's contract in order to earn money and said they had "been very accommodating throughout. of the transaction ".
"We have always acted more than fairly towards the couple," the sellers said in a statement.
"There was no other contract when we made the decision not to extend. This decision was based on legal advice and their repeated failure to meet deadlines, which was a constant feature throughout this process. "
The sellers had previously granted two exemptions to Mr Trau and Ms Goyder at the financial clause stage – where the purchase of the property is only made if they get approval for a bank loan.
The sellers added that they "were devastated by this eleventh hour request as they were to fly interstate the next day and our beloved pet and all of our material possessions had already been packed and shipped. We also had the intention to use this money to settle an interstate purchase ".
The older couple said they had retirement plans that were on hold as a result.
Professor Duncan said the case has drawn attention to the fact that Queensland's property laws may need a major overhaul.
"In a sense, it's sudden death in Queensland. The timing of settlement is critical in Queensland, "he said.
He said the 14-day grace period granted in other states "prevents that sort of thing from happening. Small things can go wrong, which is not the fault of either party ".
In other states it takes a little longer to settle in, between six and eight weeks compared to four or five weeks in Queensland.
"The law in New South Wales (and other states) is probably a little better," he said. "I don't see anything wrong with a longer period. It has been talked about intermittently for years.
Westpac agreed to reimburse Mr. Trau and Ms. Goyder as they admitted to having made a manual processing error.
This week, Mr. Trau and Ms. Goyder received $ 100,000 from the bank. The cost covered the filing as well as their legal fees. The bank also factored in $ 5,000 each for the stress and anxiety it has caused them over the past few weeks.
A Westpac spokesperson said in a statement to news.com.au: "We apologize for the experience this couple had in trying to buy their home.
"We have reviewed this case and worked with our customers to quickly resolve and correct the issue.
"While we are limited on what we can say due to confidentiality, we will continue to work with our clients to assist them in their home purchase search. "
alex.turner-cohen@news.com.au
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Mutual consumer credit or youth financing.

redpajama_set_name: RedPajamaCommonCrawl


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Pima Council on Aging: PCOA is the premiere resource for senior adults in southern AZ. SNAP is a member of PCOA's Neighbors Care Alliance.
ELDER Alliance is a collaborative team aimed at helping Pima County residents grow old gracefully in their own homes and communities. SNAP is a pilot neighborhood in this Alliance. Funding is provided by Community Foundation for Southern Arizona through its fiscal agent, United Way of Tucson and Southern Arizona.
Jewish Family and Children's Services: JFCS provides funding, technical expertise and support for the Community Mobilizer position (SNAP Coordinator) through ELDER Alliance. JFCS also awarded a $2500 grant to SNAP for revitalization of the Tortuga Trail.
Tucson Place (a Pegasus Senior Living Community) is an assisted living facility in the neighborhood which provides support and consultation to SNAP's Caregiver Support Project team; it was a 2013 SNAP Health Fair Sponsor.
Lutheran Church of the Foothills and St. Alban's Episcopal Church: Both organizations have provided space for SNAP meetings, programs and events.
Infinity Earthworks: This local landscape company has provided on-going in-kind contributions of labor, project management and volunteer service to SNAP.
TMC Senior Services: This Tucson Medical Center campus provides education, outreach and wellness presentations throughout the community; it was a 2013 SNAP Health Fair sponsor.
Remedy Intelligent Staffing: This full service staffing company has provided numerous in-kind contributions to SNAP over the past five years–creative design work, copying, food and volunteer service.


Want to discover your passion?
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Then contact me today and begin the healing of your BodyMindSpirit using the Ancient art of Traditional Chinese Medicine with Mediumship to guide you on your path for maximum fulfillment in all life's areas.


text:
North Dakota aims to snap Badlands Bowl losing streak against Montana
The best high school football seniors from North Dakota packed their bags, football pads and cleats on Friday, June 14. They hit the road and headed west.
Bowman County lineman Beau Jeffers gets out of his stance at the snap of the ball during Badlands Bowl practice on Wednesday, June 12, from the Biesiot Activities Center. (Patrick Bernadeau/The Dickinson Press)
By Patrick Bernadeau
On Saturday, that talented group will represent the state on the gridiron as North Dakota and Montana are set to battle in the 26th annual Knights of Columbus Badlands Bowl at Connor's Stadium in Miles City, Mont.
With the players gathering in Dickinson earlier in the week, North Dakota team practice began on Monday from the Biesiot Activities Center.
"Number one, we couldn't ask for a better week weather-wise, so the kids were getting after it," Fargo Shanley and North Dakota head coach Troy Mattern said. "Anytime you get the best kids together from the state of North Dakota, to be able to coach them throughout the week has been a lot of fun. ... Most of these kids have been rivals for their whole high school career, and to be able to get them together and see that synergy has been pretty neat."
Mattern says the most difficult part of the week was getting the players to understand the coaching staff's terminology and making sure they were in the right places on the field. On the opposite end of the spectrum, Mattern appreciated how coachable the players were throughout the course of the week. The practices were hard-fought and created camaraderie amongst the players.
"It's been pretty good, it's been tiring, competitive, and it's been a lot of fun," Dickinson High defensive back Morgan Wardner said. "The competition is a lot harder. There's a lot more skilled players here and it's a lot of fun because it's challenging."
The future Dickinson State Blue Hawk will be one of three players representing the area, joined by Dickinson Trinity lineman Isaac Fridrich and Bowman County lineman Beau Jeffers.
Over the last four seasons, Fridrich has helped his team go 16-3 in games held at the BAC, with four of the victories coming in the postseason. During that stretch at home, the Titans outscored their opponents by more than three touchdowns.
"On the first day that we came out here, I couldn't really believe it. I was like, 'Wow, this my last time playing out here,'" Fridrich said. "Obviously, I'm going to be playing in the game in Miles City, but it's good to practice on this field because we won so many games here. I made a lot of good memories with my Trinity teammates and it's been good to make a lot of new memories with all of these new teammates that I got."
In 2018, Jeffers aided Bowman County to its finest season in program history. Spearheaded by one of the top defenses in Class A, the Bulldogs went undefeated through the regular season, captured a pair of home playoffs wins and finished just one victory shy of competing in the state championship game.
"Last season was just absolutely amazing. Really, the most memorable way to end a senior year is to go undefeated in the regular season and make it deep in the playoffs with the guys I've been playing with my whole life," Jeffers said. "Then coming off such a great season, being able to represent my school and my state in an all-star game like this where its just the top players from around the state, it's a great honor and really an amazing opportunity to play."
Overall, the Badlands Bowl has been a contest dominated by Big Sky Country, who has established a 19-6 advantage in the series. Montana has won seven of the last eight contests, including the last four contests by a combined margin of 194-39.
The last time the event was held in Montana, the hosts earned a 63-0 triumph. Last year in Dickinson, North Dakota scored the game's opening touchdown before falling 55-7.
"Fortunately, it's a whole different team, so it doesn't matter what the scores were in the past years because it's 34 new kids," Mattern said. "That's the neat thing about an all-star game where you aren't playing the same kids year in and year out. It's a totally different group of kids, their expectation is to win this football game this year. That's what we are gearing for and hopefully, we can accomplish that on Saturday."
1/4: Bismarck Legacy running back Diamonte Stugelmeyer bounces to the outside during Badlands Bowl practice on Wednesday, June 12, from the Biesiot Activities Center. (Patrick Bernadeau/The Dickinson Press)
2/4: Bismarck High quarterback Will Madler prepares to throw down the field during Badlands Bowl practice on Wednesday, June 12, from the Biesiot Activities Center. (Patrick Bernadeau/The Dickinson Press)
3/4: Dickinson Trinity lineman Isaac Fridrich hustles to make a block during Badlands Bowl practice on Wednesday, June 12, from the Biesiot Activities Center. (Patrick Bernadeau/The Dickinson Press)
4/4: Dickinson High defensive back Morgan Wardner looks to move around a block during Badlands Bowl practice on Wednesday, June 15, from the Biesiot Activities Center. (Patrick Bernadeau/The Dickinson Press)
Related Topics: DICKINSON HIGH SCHOOLDICKINSON MIDGETS
Midgets fall to Bismarck Century at home
DICKINSON — The Dickinson Midgets basketball teams fell to Western Dakota Association's powerhouse Century Patriots on Tuesday evening. Both the boys and girls varsity teams struggled to keep up with the Patriots' consistent scoring, falling 100-66 and 67-49 respectively.
By Josiah C. Cuellar
Pin-point in history: Midgets gain experience and confidence in inaugural home meet
Clancy Meyer becomes first female varsity wrestler from Dickinson to win on home mat in inaugural season
Under fire: Bulldogs blowout GCMR from three-point range
The Dawgs scored 51 points from beyond the arc in their away match against Grant County Mott-Regent.
Alex Dvorak breaks program single game scoring record
Midgets secure 109-72 blowout win against Watford City at home in record-breaking game


text:
Peter MacNicol To Exit 'CSI: Cyber'
By Patrick Munn | May 13, 2015 - 10:12 pm | No Comments
Category : News, Upfronts, US News
Tags : CBS, CSI: Cyber
The casting shake-up on CSI spin-off CSI: Cyber continues. Peter MacNicol, who played FBI Assistant Director Stavros Sifter across the show's 13 episode first season, is exiting the series and will not appear in CSI: Cyber's upcoming second season, which is set to premiere this Fall on CBS in the Sunday night 10pm time-slot.
The news of MacNicol's departure comes mere hours after CBS confirmed that parent series CSI: Crime Scene Investigation would be wrapping its fifteen season run with a two-hour TV movie and that, following that series finale, current CSI lead actor Ted Danson would segue to CSI: Cyber as a series regular.
While the timing is highly co-incidental, Deadline reports that Peter MacNicol's exit from CSI: Cyber is a creative decision made necessary by the re-tooling the series is undergoing for its second season, rather than being a case of an in/out swap. It is unclear if there will be any further casting changes ahead of the new season.
Created by Anthony Zuiker, Ann Donahue & Carol Mendelsohn, CSI: Cyber follows FBI Special Agent Avery Ryan, who runs the bureau's Cyber Crime Division in Quantico, VA. Ryan is responsible for solving high-octane crimes that start in the mind, live on-line, and play out into the real world. The drama series is produced by CBS Television Studios and stars Patricia Arquette, James Van Der Beek, Charley Koontz and Shad Moss.


We will assess your needs and then design, build, and program a solution that is perfect for the way you live and work.
We love what we do and we cannot wait to share it with you. Hi, I am Tabetha Koerth and I founded this business with my husband Shawn. We created KHT after working in the audio visual world for 15+ years and thinking, "there has to be a better way". After prayerful consideration, we decided to start a business but try a different approach. Instead of choosing one solution and selling it to everyone; we work with several manufacturers and distributors to create customized solutions to fit each person or business's needs. This gives us the unique ability to combine solutions for the perfect fit for every need. We will assess your needs and then design, build, and program a solution that is perfect for the way you live and work.
At KHT we do things different — we treat people like people again. We began as a family owned and operated business, and plan to always be. In fact, the members of our team and our customers are a significant part of our ever growing family.
Tabetha describes her role at KHT as "the keeper of the vision." She not only handles our sales and marketing, but rallies our tech troops. Tabetha comes from a business admin and sales background, but what she's really passionate about is equipping people to do their best work— Whether that be with the KHT team or helping our clients face their tech-fears. Her people-focused approach has equipped her to cast a vision for the entire company and inspire our team to come together over serving others well.
Shawn says his work at KHT keeps him young at heart. As a kid he'd help his dad's band set up their equipment at shows every weekend. That is how he fell in love with the craft. Combined with his 20 years of management experience, his knowledge of existing AV systems versus the constant training on new and future technologies keeps him at the forefront of our industry. Whether he's designing and installing the largest systems or mounting one television, Shawn is confident this is where he's supposed to be.
At KHT Electronics, we believe charity is everything. Coming from families that have had their share of struggles, we have a heart to help others with the resources we've been given. In fact, we founded KHT with long-term philanthropic goals in mind. It all goes back to our love of people and our desire to help others any way we can.
Below you will find a list of charities KHT Electronics supports, and an explanation of why we chose to pour into their missions.
Our Co-owner, Tabetha, was heavily involved in Jubilee's theater program growing up and knows the impact theater can have on a young person. Theater is a safe space for kids needing an outlet for creativity. It's our hope to keep working with Jubilee in order to empower Waco's youth & continue bringing hope and change to our community through the performing arts.
Alzheimer's is a disease that weighs heavy on our hearts and we want to be part of finding a cure. Our owner's grandmother has shown the beginning stages of Dementia/Alzheimer's and simply put, it's utterly terrifying for everyone. We don't want anyone to go through this journey that tears loved ones away from family.
We are a group of friends giving back—Each member of our group raises $100 to donate to two different campaigns. The first to buy toys for the Marine Corps Toy's for Tots program, and the second to give small gift baskets to the elderly.


The tests: A rheumatologist will examine joints and other tissues for signs of inflammation, such heat, pain, swelling, and redness. A blood test to measure levels of anti-nuclear antibodies (ANA) may also indicate lupus. Rheumatologists will also determine if patients have four of 11 diagnostic criteria set by the American College of Rheumatology, though fewer criteria along with a skin biopsy may sometimes indicate lupus, Dr. Weinstein says.


Facing the force of another Grief Wave.
A bright red flower to lighten the mood of my very emotional poem!
I see a painting in a store looking like my Mum when she was young, when she wore a big white wide brimmed hat.
Triggering my quivering lip, wet eyes and beating heart.
Memories come flooding back in, like a deluge.
Reminding me of what once was, but is no longer.
Squelching the grief out from deep inside.
Where there feels an endless supply of tears.
I do not care what the strangers think.
Knowing this is the only way to soothe my aching heart.
It will pass, and it will return.
I allow myself to wallow in my grief knowing the tide will turn and soon I will feel brighter again.
Grieving is a difficult experience we will all go through in our lives. I hope my poems can help you be real with your emotions and help you connect to yourself, your past and make your future brighter.
← Always in my heart ~ A poem to remember my Dad.


Scale cover almost circular, white, translucent, with 6 to 8 ridges radiating from central cone, margin flattened, without exuviae; volcano shaped in lateral view. On leaves of host.
Antennae 4-segmented; multilocular pores absent from thorax, and from abdominal segments 2 and 3, present in rows from submarginal areas to submedial areas; without tubular ducts on thorax, present on abdomen. Other characters: Legs reduced, tibia and tarsus fused, trochanter and femur fused; metasternal sclerotization present; ocellar spot present; pygidium present.
Conchaspis orchidarum is similar to C. cordiae Mamet by lacking multilocular pores on abdominal segment 3, by having 4-segmented antennae, and by having tubular ducts. Conchaspis orchidarum differs by lacking tubular ducts on thorax (present on metathorax on C. cordiae) and by having tubular ducts on segment 5 (absent from segment 5 on C. cordiae).
This species was not intercepted at U. S. ports-of-entry between between 1995 and 2012, but it had been intercepted before that. We have examined specimens taken in quarantine from Colombia, (Oncidium); Costa Rica (orchid); Panama (Brassavola, Epidendrum, Lockhartia, Oncidium, Pleurothallis ). ScaleNet includes hosts in 3 genera in the Orchidaceae from the Neotropical region. Three species of Conchaspis other than C. angraeci Cockerell, C. capensis (Linnaeus) and C. orchidarum have been intercepted at a U. S. port-of-entry: C. cordiae Mamet (Puerto Rico, on Rauwolfia; Haiti, on unknown host); C. newsteadi Cockerell (Mexico, on Acer and Plumeria); and C. phylicae Mamet (South Africa, on Phylica).


text:
Divorce /
Mississippi /
Bay Saint Louis
Top Bay Saint Louis Divorce Lawyers - Mississippi
(24 results with ads)
Maggio Law Firm
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Divorce Lawyers Serving Bay Saint Louis, MS (Biloxi, MS)
More than 30 years experience assisting Biloxi / Gulfport / Pascagoula residents with their Divorce needs.
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Assisting South Mississippi clients with their Divorce needs.
Hornsby Watts, PLLC
Over 15 experience dedicated to putting the client first and working every step of the way toward a positive outcome. Call now!
Law Firm Website
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Robert H. Koon
Divorce Lawyers Serving Bay Saint Louis, MS (Gulfport)
The King Law Firm, PLLC
Divorce Lawyers Serving Bay Saint Louis, MS (Biloxi)
Suzanne Baker-Steele, Attorney At Law, P.L.L.C.
Silin Law Firm PLLC
Divorce Lawyers Serving Bay Saint Louis, MS (Ocean Springs)
Pavlov Law Firm PLLC
Paulette Turner, Attorney at Law
Divorce Lawyers Serving Bay Saint Louis, MS (Pascagoula)
S. Christopher Farris, Attorney At Law
Divorce Lawyers Serving Bay Saint Louis, MS (Hattiesburg)
McLaughlin Law Firm
The Holmes Law Firm, P.A.
Kyle Robertson, PLLC
Divorce Lawyers Serving Bay Saint Louis, MS (Laurel)
Armstrong, Berry & Lampton, PLLC
Divorce Lawyers Serving Bay Saint Louis, MS (Hazlehurst)
Arnold and Associates, LLC
Divorce Lawyers Serving Bay Saint Louis, MS (Brandon)
Law Offices of Mel Coxwell
Hearn Law Firm, PLLC
Divorce Lawyers Serving Bay Saint Louis, MS (Jackson)
Gibson & Mullennix, PLLC
Mid-Town Law Office, P.A.
The Garrison Firm
Bay Saint Louis, MS Lawyers in Related Practice Areas:
Child CustodyMilitary DivorceFather's RightsFamily Law
Divorce Lawyers in Cities Near Bay Saint Louis, MS
WavelandPass ChristianLong BeachGulfportCarriere
Getting a divorce can have serious, long-term effects, both emotionally and legally. There are also strict legal requirements that cover everything from choosing a method of legal separation to selecting where and how to file, to deciding how the property should be divided. The divorce process can be confusing, especially without legal assistance. FindLaw's directory can connect you with trusted divorce lawyers in Bay Saint Louis, Mississippi to guide you through the divorce process and minimize the stress you experience during this difficult time.
What Is the Difference Between Divorce and Separation?
There are several distinctions between divorce and separation.
First, legal separation may be a court-mandated step of the divorce process, with some states requiring that potential divorcees spend some time living apart in a form of legal separation before proceeding to formal divorce.
Outside of this requirement, legal separation is reversible, while divorce is not. Once you have been declared divorced from a former spouse, there is no going back. Legally separated spouses retain the right to inherit property as well, and may not remarry (as they are still considered married, despite separation).
What Are Alternatives to Divorce?
Depending on your circumstances, you may have other options for ending your marriage besides a divorce. Many states offer legal separations, which can allow spouses to make some of the same decisions as a divorce regarding their shared property, child custody, and child support. This option doesn't legally end the marriage and is generally used when couples want to retain their marriage status for religious or health care reasons.
An annulment, on the other hand, has the same legal effect as a divorce but does so by declaring your marriage was never valid in the first place. Reasons for an annulment could be that one spouse was already married, was tricked into the marriage, or was too young at the time to legally marry.
What Is the Difference Between an Annulment and Divorce?
While divorce may be permanent, it does not dispute the fact that a marriage was legally enacted and in existence in the first place.
An annulment, however, is very similar to a divorce as it may involve a dividing of assets, custody and visitation negotiations, and so on — but an annulment means that the marriage was established on false pretenses. If a man discovers, for example, that his wife has been lying about an extensive criminal past (or present), or that she was never formally divorced from a former spouse, he may file for an annulment rather than a divorce.
If an annulment is successful, it is — from a legal perspective — as if the marriage did not ever truly exist. Annulments can also be sought for religious reasons, particularly given the gravity of divorce in the understanding of certain faiths.
How Are Marital Assets Divided?
The division of marital property after a divorce will generally depend on whether or not you live in a community property state. The best way to determine whether your state is a community property state is to talk to a local attorney who can tell you what the law is and who can help you understand how that affects your situation.
Community property states consider nearly all property obtained after the marriage as equally owned by both spouses. As a result, the property will generally be equally split after the divorce. Absent community property statutes, it's typically up to the court to divide marital property between both parties. In either case, courts will normally accept a property division agreement if the spouses can create their own.
How to Find a Divorce Lawyer
Attorneys aren't needed for every divorce, but in many cases, legal assistance can be beneficial, if not crucial. With the complex nature of some divorce procedures and emotions running high, it is often a good idea to have a knowledgeable resource for information and a skilled advocate for negotiations and possible court proceedings.
Do Both Sides Need to Find a Divorce Lawyer?
If both spouses are on speaking terms and being relatively fair-minded and pleasant with one another, a single divorce lawyer may be able to help them navigate their divorce proceedings. This may be the case for several no-fault divorces.
However, in instances where a fault is established, or combative divorce proceedings are expected to take place, it is highly advised that both spouses hire a skilled divorce lawyer to represent their best interests. Not only can a negotiation between professional legal counsel lead to a much more streamlined process, but this method may also remove some of the emotions associated with painful divorce proceedings.
What Is the Difference Between Alimony and Spousal Support?
Alimony and spousal support are interchangeable terms that refer to monthly payments from one ex-spouse to another following a divorce. These payments can be court-ordered or arranged by the parties involved and are intended to account for the adverse economic effect a divorce can have on one party. All spousal support agreements and amounts are unique, depending on the spouses' individual incomes and property, their earning capacity, the duration of the marriage and whether children and child support are involved, among other factors.
Can I Fill Out Divorce Forms Myself?
Yes, it is legal for individuals to fill out a divorce petition themselves. However, it is highly recommended that you find a divorce lawyer with experience for a consultation regardless, even if you are planning to have a mutually acceptable no-fault divorce.
Divorce paperwork can be complex, and the surrounding legal territory even more so. If you are facing a more acrimonious or complicated divorce, you should seek legal representation immediately.


text:
/*
 @ 0xCCCCCCCC
*/

#include "kbase/file_version_info.h"

#include "kbase/error_exception_util.h"
#include "kbase/string_format.h"

#pragma comment(lib, "version.lib")

namespace {

struct LangCodePage {
    WORD language;
    WORD code_page;
};

}   // namespace

namespace kbase {

// static
std::unique_ptr<FileVersionInfo> FileVersionInfo::CreateForFile(const Path& file)
{
    DWORD info_size = GetFileVersionInfoSizeW(file.value().c_str(), nullptr);
    ENSURE(THROW, info_size != 0)(LastError()).Require();

    VersionData version_data(info_size);
    BOOL rv = GetFileVersionInfoW(file.value().c_str(), 0, info_size, version_data.data());
    ENSURE(THROW, rv != 0)(LastError()).Require();

    return std::unique_ptr<FileVersionInfo>(new FileVersionInfo(std::move(version_data)));
}

// static
std::unique_ptr<FileVersionInfo> FileVersionInfo::CreateForModule(HMODULE module)
{
    constexpr DWORD kMaxPath = MAX_PATH + 1;
    wchar_t file_name[kMaxPath] {0};

    DWORD rv = GetModuleFileNameW(module, file_name, kMaxPath);
    ENSURE(THROW, rv != 0)(LastError()).Require();

    return CreateForFile(Path(file_name));
}

FileVersionInfo::FileVersionInfo(VersionData&& data)
    : data_(std::move(data)), info_block_(nullptr), lang_(0U), code_page_(0U)
{
    // Set up VS_FIXEDFILEINFO struct.
    UINT dummy_size = 0U;
    VerQueryValueW(data_.data(), L"\\", reinterpret_cast<LPVOID*>(&info_block_), &dummy_size);

    // Retrieve translation language and code page.
    LangCodePage* translation = nullptr;
    VerQueryValueW(data_.data(),
                   L"\\VarFileInfo\\Translation",
                   reinterpret_cast<LPVOID*>(&translation),
                   &dummy_size);

    lang_ = translation->language;
    code_page_ = translation->code_page;
}

std::wstring FileVersionInfo::GetValue(const wchar_t* name) const
{
    LangCodePage lang_codepage[2] {
        {lang_, code_page_},
        {GetUserDefaultLangID(), code_page_}
    };

    for (const auto& lang_cp : lang_codepage) {
        auto sub_block = StringPrintf(L"\\StringFileInfo\\%04x%04x\\%s", lang_cp.language,
                                      lang_cp.code_page, name);
        LPVOID value_ptr = nullptr;
        UINT dummy_size = 0U;

        VerQueryValueW(data_.data(), sub_block.c_str(), &value_ptr, &dummy_size);

        if (value_ptr) {
            return std::wstring(static_cast<const wchar_t*>(value_ptr));
        }
    }

    return std::wstring();
}

}   // namespace kbase

redpajama_set_name: RedPajamaGithub


text:
How Do You Define A Machine In Physics?
Sudipa Sarkar answered
A machine is a device by which a small force applied at convenient point can be used to overcome a large force at some other point. Although the force overcome by a machine is many times greater than the input force, the energy or work output can never be greater than the input energy or work. In principle Work input=Work output In a machine, some energy is always wasted in overcoming frictional forces. In practice, therefore, the useful work done by a machine is always less the input work. The ratio of the useful work done by a machine and input work is called the efficiency of the machine. Usually, the ratio is expressed as a percentage, i.e. Efficiency=Useful work done by the machine/Work done on the machine*100% Thus in practice the efficiency of a machine is always less than 100 per cent.
A machine is a device that allow a force applied at one point to be overcome by a resisting force at another point.
A machine is device in which a small application of force at one end can be used to overcome a greater effort at the other end.
A machine is adevice that overcome with a large resistive force by applying small force in convenient direction at conveniont point
Different of work done by a machine to work by a machine
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John answered
A machine takes the place of a human being ...doing. WORK-energy expended to perform a action to get a desired outcome.
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News and Events » Is it time to revive the estate tax?
When our loved ones pass away, we do not concern ourselves immediately with the transfer of properties they left behind. We tend to forget the obligation to settle the so-called "estate tax" with the Bureau of Internal Revenue (BIR) until we intend to sell or transfer these properties. As a result, we will have incurred penalties such as surcharges, interest and compromise penalties. The lack of interest in the estate tax is mirrored in its very low revenue performance.
The estate tax is a tax on the right of the dead to transfer his estate to the lawful heirs and beneficiaries. It is not a tax on property but a tax imposed on the privilege of transferring property upon the death of the owner. It is based on the laws in force at the time of death.
When should we settle the estate tax? The lawful heirs, administrator or executor are required to file the return within six months of the decedent's death. However, the Commissioner of the BIR may, in meritorious cases, grant an extension not exceeding 30 days. The estate tax imposed shall be paid at the time the return is filed by the lawful heirs, administrator or executor.
The net estate is computed as gross estate less the allowable deductions provided by the regulations law such as expenses, losses, indebtedness and taxes, a property previously taxed (vanishing deduction), transfers for public use, family home, standard deduction, and medical expenses, to name a few.
Recently, the estate tax came back to the consciousness of the public as the current administration is pushing for the amendment of the rates of the estate tax and the grant of amnesty to delinquent estates.
As part of the Tax Reform Package, House Bill (HB) No. 5636 proposed a flat rate of estate tax at 6% of the net estate instead of the graduated rates. The maximum amount of deduction for the family home will be increased from the current maximum amount of one million pesos to three million pesos. This ceiling in the fair market value of the family home shall be subject to adjustment for inflation every three years beginning 2018.
Congress is also pushing for the grant of amnesty in the payment of estate tax under HB No. 4814. The tax amnesty shall cover estate taxes payable for the taxable year 2016 and prior years, with or without assessment duly issued therefor. Any person who wishes to avail of the estate tax amnesty shall file an Estate Tax Amnesty Return, which would be prescribed by the BIR, and pay the 6% amnesty tax on the net estate, same as the proposed rate in the tax reform package. The amnesty tax shall be in lieu of all interest and penalties due on the estate.
Not everyone can avail of the tax amnesty. The exceptions are the following: (a) those estates with pending cases falling under jurisdiction of the Presidential Commission on Good Government (PCGG) involving unexplained or unlawfully acquired wealth, the Anti-Graft and Corrupt Practices Act, the Anti-Money Laundering Act, (b) those with filed cases for tax evasion and other criminal offenses under the NIRC, and the felonies of fraud, illegal exactions and transactions, and malversation of public funds and property under Chapters III and IV of Title VII of the Revised Penal Code, and (c) those subject for final and executory judgment by the courts.
In the proposals granting amnesty in payment of outstanding estate taxes, reducing the rates, adjusting the deductions and simplifying, the goal of the government is to increase tax collection and increase compliance of taxpayers, to promote the settlement of estates, and, in turn, to free up properties of unsettled estates, with the end view of generating financial transactions and stimulating economic activity.
With the effort of the government to maximize the collection of taxes by identifying possible sources of income, I wonder whether estate tax will indeed fill that void. Even though it would be a good reminder to the taxpayers regarding their obligations, the question remains on how the government can efficiently collect the said taxes.
The revival of the estate tax as a revenue source cannot rely on the increased compliance being expected from the simplification and rate reduction alone. A lot would depend on the processes to be applied by the government in monitoring the property records and in ensuring that the transfers subjected to estate tax are timely and properly implemented.
Ed Warren L. Balauag is a senior associate with the Tax Advisory and Compliance division of P&A Grant Thornton.


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Alibaba now has more than 30K sf at 860 Washington The e-commerce giant will be the bout上海龙凤论坛sh1f
ique building's biggest tenant
From left: 860 Washington Street and Jack Ma
Alibaba, a $200 billion company known as China s Amazon, is taking more than 30,000 square feet at a boutique office building in the Meatpacking District.
The expansion makes Alibaba the largest tenant at 860 Washington Street, a 10-story, 114,000-square-foot building owned by the Romanoff Equities and Property Group Partners, Crain s reported. The e-commerce giant decided爱上海同城
to lease the seventh, eighth and ninth floors — after only committing to the seventh floor earlier this year. Alibaba s founder, Jack Ma, is also expected t上海千花网论坛
o have an office in the company s new space. Asking rents in the building run as high as $160 per square foot, though the terms of Alibaba s lease were not immediately available.
In September, Tesla agreed to take roughly 7,800 square feet of the building s ground floor, where the car company plans to open a showroom and service center. Most of the building is leased up, except a small portion of the ground floor and the 9,000-square-foot second floor. [Crain s] — Kathryn Brenzel
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Pope Sends World Youth Day Cross to Quake Region
VATICAN CITY, MAY 31, 2009 (Zenit.org).- Benedict XVI sent the World Youth Day cross to the Italian Abruzzo region that was devastated by the April 6 earthquake, and is expressing solidarity and compassion for the people.
The Pope stated this today in St. Peter's Square, as he addressed the thousands of pilgrims gathered there to pray the midday Regina Caeli.
He reported that the Abruzzo youth "are gathering many people" around the cross, which was carried there by 12 volunteers from the youth center of San Lorenzo.
"In communion with that region, hard hit by the earthquake," the Pontiff said, "we ask Christ dead and risen to pour put his Spirit of consolation and hope upon them."
On Saturday the cross was brought to a student house where eight youth died in L'Aquila, a town near the epicenter of the earthquake that claimed some 300 lives.
The cross was received by the town's youth, and after a moment of prayer it was carried to the fields of tents where survivors have made temporary homes.
Today the cross was brought to the training school of the Guardia de Financia where the bishop of the region, Archbishop Giuseppe Molinari, celebrated a Mass with confirmations. During the rest of the day it traveled to different areas where fields of tents have been raised.
It will be brought back to Rome on Tuesday, and will go to different cities of Spain before the World Youth Day in Madrid, planned for August 2011.
The Holy Father urged the young people, "With the power of the Holy Spirit, be witnesses of the risen Lord!"
In his address to the pilgrims gathered in St. Peter's Square, Benedict XVI affirmed, "The Holy Spirit is the soul of the Church."
He continued: "Without him to what would it be reduced? It would certainly be a great historical movement, a complex and solid social institution, perhaps a kind of humanitarian agency.
"And in truth this is how it is considered by those who look upon it from outside the perspective of faith.
"In reality, however, in its true nature and also in its most authentic historical presence, the Church is unceasingly formed and guided by the Spirit of the Lord. It is a living body, whose vitality is precisely the invisible divine Spirit."
The Pope concluded, "We invoke the intercession of Mary Most Holy, that the Church in our time may be powerfully strengthened by the Holy Spirit."
"The comforting presence of the Holy Spirit is felt in a special way by the ecclesial communities that suffer persecution for Christ's name, because, participating in his sufferings, they receive the Holy Spirit in the abundance of glory," he affirmed.
On ZENIT's Web page:
Full text: http://www.zenit.org/article-26045?l=english
Respect Is a Two-Way Street
Christians Suffer for Opposing Homosexuality


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U.S. stocks end mixed after volatile day's trading
U.S. stocks fell heavily Monday before recovering towards the close.
"We think that the increase in long-dated Treasury yields has further to run."
"Markets may still be underestimating how far the federal funds rate will rise in the next few years."
NEW YORK, New York - U.S. stocks fell heavily Monday before recovering towards the close. Investors fretted about U.S. Treasury yields as the 10-year note hit an interest rate high of 1.80 percent.
"We think that the increase in long-dated Treasury yields has further to run," =Nicholas Farr, an economist at Capital Economics told Reuters Monday.
"Markets may still be underestimating how far the federal funds rate will rise in the next few years, so our forecast is for the 10-year yield to rise by around another 50 basis points, to 2.25%, by the end of 2023."
The Nasdaq Composite which was down more than two percent earlier in the day recovered to trade ahead 6.93 points or 0.05 percent, to close Monday at 14,942.83.
The Standard and Poor's 500 edged down 6.74 points or 0.14 percent to 4,670.29.
The Dow Jones industrials fell 162.79 points or 0.45 percent to 36,068.87.
The U.S. dollar rose, with the euro slumping to 1.1330 by the New York close Monday. The British pound edged lower to 1.3578. The Swiss franc dropped to 0.9271.
The Canadian dollar was little changed at 1.2676. The Australian and New Zealand dollars were a fraction lower at 0.7174 and 0.6758 respectively. The Japanese yen went against the trend, strengthening to 115.20.
British and European stocks ended lower as the main indices closed while Wall Street was notching up sharp falls.
In Germany, the Dax closed 1.13 percent lower Monday. The CAC 40 in Paris, France shed 1.44 percent. In London, the FTSE 100 lost 0.53 percent.
On Asian markets, in Japan, the Nikkei 225 closed Monday with a minor loss of 9.34 points or 0.03 percent at 28,478.56.


This iOS 7 Concept Is Interactive, Try It On A Mockup iPhone 5S Right Now!
WWDC begins next week, and during the course of the past three or four months, we've covered literally dozens of concepts pertaining to the biggest talking point at Apple's WWDC 2013: iOS 7. Designers have been working overtime to deliver their ideas and predictions in image and video form, but concept maker Steve King has gone a step further in creating an interactive iOS 7 concept which can be tested right now on a mockup iPhone 5S on the Web.
With Jony Ive now involved in the visual aspect of iOS 7, the OS is widely expected to adopt a much flatter, altogether less skeuomorphic appearance. The life-like stitching, gloss and paper effects will make way for clean lines, and although former iOS SVP Scott Forstall, like the late Steve Jobs, loved these realistic remnants, the consensus seems to be that the flatter approach will be one of aesthetic enhancement.
Steve King's concept takes the purported new designs into consideration, and by pointing your browser to recombu.com/mobile/interactive/iphone-5s-ios7-concept/, you can play around with what he has come up with.
King has tweaked several aspects of iOS, including Messages, Camera, Phone, Calendar, Reminders, Notes, Mail and Safari, and while they operate similarly to iOS 6, the elements of each have been stripped of all unnecessary showiness to deliver a very clean, crisp user interface.
The pop-up notifications are a feature of iOS I have personally found to be of particular obtrusiveness, and while I would take a notification bubble any day of the week, the revamped pop-up design of King is much less offensive, and I actually enjoyed viewing, reading and closing the notification. So yes, Apple should take a lesson from this implementation.
It does look as though Apple is going back to basics in the design of iOS 7, and if it does wind up looking anything like King's design, I think most will be relatively impressed.
What do you think – does this concept float your boat? Do share your comments below.


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Q: Saving KPIs at end of simulation run Have been trying for a long time to search back and forth to find a solution to this, but nothing found that fits my situation.
Until now, I have manually (!!!) written down numerical output from the simulation into documents. This is very tedious as you can imagine, there are 29 KPIs of interest and most are fractional numbers with +3 digits.
Basically, I want to save values at the end of the simulation runs. Once the model has stopped, I want the text either exported to an excel file or at least output in such a way that I can curate the data further.
An example of how the first value is calculated here (under Time to treatment - Tot.) is:
v_N == 0 ? null : roundToDecimal((v_Total_Time_To_Treatment / (v_N*3600.0)), 3)

Update:
Based on feedback, I decided to make a 'simple' solution based on print line to console like such:

A: In the settings of the simulation experiment there is an event called After the simulation run (You will find more details here), you can access your metrics for example: root.MyKPI.
Using the Excel File object will help you save your metrics to Excel


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and transmission co-operative AEPCO to jointly develop a green marketing program and to forge a power purchase agreement for up to 40 MW, says Western Wind president Jeffry Ciachurski. The agreement is the first to be signed with an Arizona utility and the first agreement Western Wind has signed since the company was formed earlier this year. Western Wind has bought a number of potential wind sites throughout the state, which it will develop in 20 MW to 40 MW chunks. Ciachurski is working with six other Arizona utilities and says three could sign similar memorandums within 60 days.


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Lee Bo-young, Ji Sung to Wed in September
english.chosun.com
Actor couple Lee Bo-young and Ji Sung are finally tying the knot after dating for six years. They posted handwritten letters on their official online fan sites to announce the news on Friday.
The two met on the set of the 2004 SBS series "Save the Last Dance for Me," but their romantic relationship did not become public knowledge until paparazzi caught them together in 2007.
Lee Bo-young (left) and Ji Sung
Rumors of a separation started to bubble up when the couple still showed no inclination to marry after dating for six years.
But they said they have been preparing for their wedding since March and will get married in Seoul on Sept. 27.
Ji Sung to Pair with Han Ji-min in Upcoming TV Series
Lee Bo-young Reflects on Role as Mother
Ji Sung, Lee Bo-young Secretly Donate W100 Million for Sick Children
Lee Bo-young Returns to TV with New Crime Thriller
Star Couple Named Actors of the Year
Lee Bo-young Discovers Joy of Acting
Ji Sung Talks About Adopting Multiple Identities
Lee Bo-young, Ji Sung Unveil Pre-Wedding Pics in Spain


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A lack of available commercial property in Worcestershire could impede market growth in 2015.
According to forecasts by Midland property consultancy GJS Dillon, the burgeoning warehouse and industrial markets - particularly in the 20,000-50,000 sq ft sector - are at risk.
The office market is also suffering, with smaller offices in short supply and a scarcity of larger good quality office space for purchase. The shortage of smaller offices is due to no speculative development taking place for the past five years, which means that any that do come on to the market are snapped up very quickly.
Mr Dillon said that the market for larger, good quality offices was sporadic and that anyone with Grade A or refurbished open plan Grade B office space was in a strong position. He recommended that landlords of cellular office space should consider refurbishing them or, if appropriate, convert them for residential use.


text:
Vol. 13 No. 4 (2019): CUAJ April /
Surveillance urodynamics for neurogenic lower urinary tract dysfunction: A systematic review
Alex Kavanagh University of British Columbia http://orcid.org/0000-0001-7273-5784
Hamed Akhavizadegan
Lynn Stothers
Blayne Welk
Timothy B. Boone
neurogenic lower urinary tract dysfunction, urodynamics
Introduction: Baseline urodynamic characterization in patients with neurogenic lower urinary tract dysfunction (NLUTD) allows detection of unsafe storage and voiding pressures and optimization of these parameters through medical or surgical intervention. Surveillance urodynamics (sUDS) studies are performed in the ambulatory setting after baseline characterization, with the goal of monitoring bladder function. How often this study should be performed and the circumstances that should prompt repeated studies are unknown. The primary objective of this review is to evaluate the evidence supporting sUDS in the setting of NLUTD as assessed by whether the study leads to 1) change in patient management; 2) determination of new findings not suggested by imaging or symptoms; and 3) demonstration of superior outcomes compared to observation. The secondary objective is to review sUDS practice patterns among urologists in their assessment of NLUTD.
Methods: PubMed, EMBASE, and Cochrane Library databases were reviewed for English-language literature published between January 1975 and March 2018.
Results: Twenty-eight independent articles (1368 patients, 9486 patient-years of followup) were included. Given heterogeneous data, 49% of 263 subjects were asymptomatic, yet demonstrated sUDS abnormality prompting treatment. Eight cross-sectional studies (four spinal cord injury [SCI], two NLUTD, two spina bifida) surveyed urologists regarding current sUDS patterns; 53% of 498 respondents perform sUDS between one and three years.
Conclusions: Evidence supporting optimal surveillance for NLUTD is lacking. Level 2b‒4 evidence suggests that sUDS is likely to modify patient treatment and often demonstrates findings that modify treatment in the absence of symptoms or imaging changes.
Alex Kavanagh, University of British Columbia
Clinical Assistant Professor | Department of Urologic Sciences | Faculty of Medicine | The University of British Columbia
EPUB (DRAFT)
Kavanagh, A., Akhavizadegan, H., Walter, M., Stothers, L., Welk, B., & Boone, T. B. (2018). Surveillance urodynamics for neurogenic lower urinary tract dysfunction: A systematic review. Canadian Urological Association Journal, 13(4). https://doi.org/10.5489/cuaj.5563
Vol. 13 No. 4 (2019): CUAJ April