Posted by Brian Collins on Monday, January 7th, 2019 at 7:16am.
In general, the shutdown doesn't impact loan processing at these agencies because they're not funded by the government. If you're a federal worker or contractor, though, and your lender cannot get a verbal verification of employment from your federal employer prior to loan delivery, your loan approval may be denied or delayed. Verification of employment is a key requirement to get a loan from Fannie Mae and Freddie Mac, and the agencies cannot buy loans in which a borrower's employment — and ability to repay — hasn't been fully vetted.
Historically, loans insured by the Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) are not impacted by government shutdowns. With fewer staff working at FHA, however, some borrowers may see a closing delay due to increased backlog. On the other hand, VA staff who approve VA loans are paid through borrowing fees and typically aren't impacted by a shutdown.
The U.S. Department of Agriculture will not issue new USDA Direct Loans or Guaranteed Loans. Scheduled closings of Direct Loans are being canceled and unless your guarantee was previously issued for a Guaranteed Loan, those may or may not be closed, depending on the lender. Check with your lender immediately if you're getting a USDA loan or had planned to use the program to buy a home; you might have to put off your purchase until the shutdown is resolved.
Lenders generally have borrowers sign an IRS request for transcript of tax return (Form 4506-T) at or before closing. The IRS will not process new requests for transcripts during the shutdown. Lenders aren't required to have the transcripts at closing and, in many cases, can add the transcripts to your loan file after closing. To process a mortgage application, lenders verify that your Social Security number is valid with the Social Security Administration. With significant delays expected in processing these requests, government-sponsored agencies have relaxed their rules to allow lenders to submit these reports prior to loan delivery rather than earlier in the loan process. If your Social Security number cannot be validated prior to this time, however, your loan could be denied.
Markets can adjust for a short term shutdown, but the longer it goes on, the more unstable things get. This may cause mortgage interest rates to fluctuate or shoot up if this lingers past our debt ceiling date. This increase may deter buyers from buying or may increase debt to income ratios and loan approvals. If buyers aren't buying, then demand is lowered and this would cause a drop in home values.
One potentially catastrophic consequence of the shutdown has already been averted. On Dec. 28, the Federal Emergency Management Agency (FEMA) reversed its decision to halt the issuing and renewal of federal flood insurance plans, which could have disrupted up to 40,000 new home sales each month, according to the National Association of Realtors (NAR). The Department of Homeland Security, one of the government entities affected by the shutdown, oversees FEMA. The National Flood Insurance Program is now renewed through May 31, 2019.
LUVA Real Estate will keep you abreast of impacts to the West Hawaii real estate market as the shutdown continues.


Reader notice: Our comments service provider, Civil Comments, has obstructed operating and will terminate service on 20th Dec 2017. As a result, we will be searching for some other political program for our readers. We aim to have this done with the launch of our new piece of land in earlyish 2018 and apologize for the inconvenience.
All happening pictorial representation host Mark Bennett covers the gamut of picturing with 40 years in the field, sharing the people, the tools, the art, and the fun of photography. ), the only podcast that contains the concept of thirds and the routine 360 unrelatedly; we learn around something, I say you in pushing that something equal further, and point Ansel president steps in to... The show doesn't lucidity on a one facet, but embraces history, technology, product reviews and ikon tips, addition evaluation talks to paid and human photographers, heading owners, store owners, and whoever added has a pes in the crazy, old-yet-ever-new, world of photography. Twenty-minute exposure for a portrait, and roman deity waste to change the picture appear? 150,000 negatives asset 8 and 16 millimeter show from a person who died the week ahead they were discovered?
Trying localized food is an copernican portion of travel — not sole do you get to try any brand-new flavours, intellectual nourishment can also yield an penetration into the culture of your destination. listen in to our intellectual nourishment and travel podcast with Tommo and Megsy. Europe is afloat of imaging and experience, and if you're planning your first-year trip-up to the Continent, it can be a bit overwhelming to bang where to start.


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Politicians defend credibility by sharing stories of adoption, disability
Former Board of Audit and Inspection Chairman Choe Jae-hyeong, of the conservative main opposition People Power Party, who recently declared his presidential bid, is photographed while holding a meeting with party spokepeople at the National Assembly, Tuesday. Korea Times photo by Oh Dae-geun
By Jun Ji-hye
In the past, some adoptive parents in Korea have hid the fact of their children's adoption from them, as well as from other people, for various reasons, such as prejudice against adoptees.
For similar reasons, many people with disabilities have also taken pains to hide them, in an attempt to avoid discrimination.
Such preconceptions about adoption and disabilities have in the past been seen as very sensitive matters to politicians who thoroughly manage their public images.
However, in today's changing social atmosphere, two presidential hopefuls ― former Board of Audit and Inspection (BAI) Chairman Choe Jae-hyeong of the conservative main opposition People Power Party (PPP) and Gyeonggi Province Governor Lee Jae-myung of the liberal ruling Democratic Party of Korea (DPK) ― have attracted attention from the public by not hiding ― and rather proudly disclosing ― the issues that could have been seen as weaknesses, ahead of the presidential election scheduled for March of next year.
It is well-known that Choe and his wife adopted two sons in 2000 and 2006, respectively, after having two daughters. The couple wrote about 150 diary entries about their experiences as adoptive parents on a website run by the Mission to Promote Adoption in Korea, from 2004 to 2011.
Choe said in an interview with local media in 2011, "You shouldn't choose a child for adoption as if you choose products on a display shelf. Before adoption, you should make the difficult decision to protect the child without any conditions."
Choe's adoption tale has recently been in the limelight again after Lee Gyeong, the former deputy spokesperson of the ruling DPK, used the issue to attack Choe.
During her appearance on a current affairs program on TV Chosun, Monday, Lee called on Choe to stop mentioning his experience of having adopted children, saying, "It is not a good idea to let others know about their adoption."
Apparently contrary to her expectation, her comment drew criticism, and among the critics was Choe's adopted son.
Choe's first son, Young-jin, 26, wrote on Facebook, Tuesday, "Before being adopted, I was ashamed to be an orphan. But I am not ashamed anymore, and I hope that my father will mention adoption more and more."
The son added that his father should be able to help console more people affected by adoption, saying, "My father and I have overcome difficulties together."
PPP Chairman Lee Jun-seok joined in the criticism, saying that the ruling party was being "presumptuous." The PPP spokesperson, Yang Joon-woo, also claimed that the ruling party had "dismissed the adoption as shameful."
For his part, Gyeonggi Province Governor Lee Jae-myung has recently released a photo that shows his arm disfigured at the elbow, in a bid to explain why he had been exempted from the country's mandatory military service.
Lee said that his arm came to be this way after being injured during his childhood when he was working for a factory, due to poverty.
This photo released on July 17 by Gyeonggi Province Governor Lee Jae-myung of the liberal ruling Democratic Party of Korea, who is running in the presidential election, shows his disfigured arm. He released the photo because some people have criticized him for not completing the country's mandatory military service. Yonhap
Lee released the photo after some ruling party supporters created a combined image that features only four of the six presidential candidates of the party ― those who completed their military service. Lee and the only female presidential contender, Choo Mi-ae, were excluded from that image, which has been shared online.
During an online press conference on Sunday, Lee said, "I am sad as some people are indicating that I evaded the required military service on purpose. All disabled people in this country would feel the same way. All my family members, including my two sons, completed their military service. I am the only one who did not."
A civic group representing disabled people filed a petition with the National Human Rights Commission of Korea, Tuesday, against the combined image for discriminating against the disabled and women.
"We demand whoever created the image to apologize to both disabled people and women who are not obliged to serve in the military," a representative of the civic group said.
jjh@koreatimes.co.kr More articles by this reporter

redpajama_set_name: RedPajamaCommonCrawl


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This Minnesota Pizza Place Is A Nostalgic Trip Back In Time
There's one pizza joint in the Land of 10,000 Lakes that will make you question what year it is. From arcade machines to old movie posters, this place is a trip back in time.
You'll Never Guess What A New Survey Says is Our Favorite Sandwich In Minnesota
What's YOUR favorite sandwich? (It's probably not what this survey said...)
Minnesota Has Some of the Most Amazing Ballpark Food in the Country
If you're looking to try some of the best ballpark food in the U.S., you don't have to drive very far to get your hands on some here in Minnesota.
Say What?!? Minnesota's Favorite Dish Isn't Tater Tot Hotdish?
I'm not sure who they asked, but this new survey says our iconic tater tot hotdish isn't the most popular dish here in Minnesota.
Minnesota Pizza Brand Just Invented an Incredible Life Hack
Leave it to the gang at Heggies Pizza to come up with a pro tip that's pure genius!
Check Out Why Mr. Peanut Just Moved to Southeast Minnesota
Did you know that Mr. Peanut, the official mascot for Planters Peanuts just moved here to Minnesota? Check out why he's now making his home here in the North Star State.
Big Puffs are in Minnesota Stores and Teenagers are Shocked at the Size
You know what a rabbit turd looks like, right? Think bigger. MUCH bigger!


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The Hyksos were foreign rulers of Egypt who seized power and ruled Lower (northern) Egypt. Contradictory dates and king lists, as well as gaps in the records, render their history elusive, but the Hyksos were most likely Palestinian. The combined efforts of Egyptian kings Seqenenre, Kamose, and Ahmose and their mothers forced out the last Hyksos ruler, Apepi, around 1530 b.c.e.
The Second Intermediate Period is the label given to the years of Hyksos power. At the end of the Middle Period of Egyptian history the breakdown of centralized authority and fragmentation of administrative control led to the neglect of Egypt's borders. Areas may have fallen to the kingdom of Kush or to Nubia, and the eastern border also brought invaders.
Immigrants called Aamu (usually translated as Asiatic) may have been entering for years, settling in the Nile Valley and assimilating into local villages. About 1650 b.c.e. a group of foreign chieftains with Semitic names took control of Egypt's Delta and ruled from Memphis.
Possibly, they simply took over existing posts and pushed out the local administrators. Egyptians referred to these kings as heka-kaswt (or hikkhase or hikau khausut), meaning "rulers of foreign lands". Greek historians shortened that phrase to Hyksos.
A major source of our knowledge of the Hyksos is the Jewish historian Josephus, who wrote in the first century c.e. Josephus quoted the Egyptian priest Manetho, whose book of Egyptian history—now lost—was composed around 270 b.c.e., 1,300 years after the Second Intermediate Period.
According to Josephus, the Hyksos came from the east and seized power without striking a blow, and then destroyed temples and cities and enslaved or killed the inhabitants. Their appointed king was Salitis; Bnon and then Apachman succeeded him. Josephus listed six Hyksos kings, and their reigns averaged 43 years each.
Sextus Julius Africanus, who wrote in the third century c.e., also quoted Manetho. He listed six Hyksos kings of the Fifteenth Dynasty, whose reigns totaled 284 years, followed by 518 years given to the Sixteenth Dynasty, also Hyksos.
The Seventeenth Dynasty combined Hyksos and Theban kings, who ruled a total of 151 years. Other king lists are equally confusing and the dates unreliable, but most scholars accept that during these dynasties, kings ruled simultaneously in different parts of Egypt.
The numbers are difficult to reconcile, but historians believe that the Hyksos rulers never tried to unseat the Egyptian kings in Upper Egypt. There, the Thirteenth Dynasty of Egyptian kings continued, probably paying taxes to the Hyksos.
The Sixteenth and Seventeenth Dynasties were Egyptian and centered in Thebes. Concurrently, the Fourteenth and Fifteenth Dynasties of Hyksos kings ruled from either Memphis or Avaris in the northeast Nile Delta.
The Hyksos may have brought unique weapons with them and possibly introduced horses, chariots, the vertical loom, the lyre, and other innovations to Egypt, but overall they adopted Egyptian ways and culture.
The greatest Hyksos king, Apepi, employed many scribes during his long reign; their work indicated just how Egyptian the Hyksos had become. Apepi waged war with the Theban king Seqenenre Taa of the Seventeenth Dynasty. Seqenenre was killed in battle; his mummy has been identified and is riddled with brutal blows.
Seqenenre's nephew, Kamose, continued the fight, though he did not live long. Kamose's younger brother Ahmose is credited with finally removing the Hyksos and its last king Khamudi, and uniting Upper and Lower Egypt again.
Stele praise the mother of Kamose and Ahmose, Ahhotpe, who guarded Egypt and expelled the rebels, and Seqenenre's mother Tetisheri is also given credit. The final conflict between Hyksos and Theban kings lasted for 30 years.
Label: egypt


Del Sol Music and Moonchamps will be selecting (2) winning remixes to join the follow-up remix EP set to see release 2016 TBA.
All styles and genres are accepted, however, judges will use discretion based on preference and the general sound of the label.
Please submit entries into the official remix competition group in 16 bit 44kHz wav format below by no later than 04/05/2016 by 12AM EST/USA.


In this era of Digitalization and rapidly changing work culture the 21st Century New Age Schools have to ensure that the students are getting prepared for the Future. According to a recent Oxford University study "Around 47% of the jobs that are existing today could be automated in next 2 decades".
Therefore, to combat challenges a world that is changing at the speed of light and to meet new job standards of the 21st century, it has become critical that schools must adapt and evolve.
1. Equipping the Students with 21st Century Skills – The Future will be full of complexities, conflicts and uncertainty. Schools need to incorporate the 21st Century Skills that can help to make the today's young generation creative, resilient and adaptable problem solvers. Therefore schools should focus on developing the ability of the students to devise solutions that can help them solve problems or face real world challenges.
2. Enable PBL (Problem Based Learning) – While 21st Century Skills are critical, it is equally necessary ascertain what these skills look like, how they will be developed in classrooms and how they can be measured. PBL or Problem Based Learning is a time tested method to imbibe and measure skills for learners in K-12 schools. Problem Based Learning helps inculcate the right mindset amongst learners and helps them deal with real life challenges that they may face both as entrepreneurs and employees.
3. Child-centric Learning Spaces– Every flower blooms at a different pace similarly every child's capacity to absorb knowledge varies. The Learning environment and spaces should be child centric. Activities and tasks should be relevant as per the child's interest level and creativity. Unlike the traditional the classroom which simply cannot enable differentiated learning, the learning spaces should be flexible and open so that they can be configured to ensure each child can be taught in multiple ways paving way for creativity and diversity.
4. Safety and Health – "Health is Wealth". New Age Schools should help develop lifelong habits of eating nutritious food and exercising. The science of right body posture and biomechanics is a must, especially with the advent of devices. Indian mega cities such as Delhi and Mumbai have highly polluted air. Schools must install centralized air purification systems to protect children since their lungs are far more sensitive.


Swiper2. how to synchronize pagination between two pagers, that is, when a pager is clicked, another paging device changes.
If the above is written, it can be synchronized when rolling, and can not be synchronized when clicking.
classIt's wrong. The pager class is pagination. If you want to divide the name, you can add ID or add class name.
Link of this Article: Swiper2. how to synchronize pagination between two pagers, that is, when a pager is clicked, another paging device changes.
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Three residents fined for dumping rubbish behind their homes in Goole
Three residents from Goole have been fined for dumping waste in alleyways behind their homes.
Vadims Lomakins and Darja Amelkova were ordered to pay a total of £220 by Beverley magistrates, while a former Goole resident, now of Nottingham, was given a fixed penalty of £400.
These latest cases are part of an on-going campaign by East Riding of Yorkshire Council to target fly-tippers in Goole who have turned some back streets into dumping grounds for rubbish.
Vadims Lomakins and Darja Amelkova, both of Sotheron Street, Goole, both pleaded guilty to the illegal disposal of waste on land at the rear of Sotheron Street when they appeared before Beverley Magistrates' Court on Wednesday 23 January.
They were both fined £40 each and each ordered to pay £40 costs and a £30 victim surcharge.
The court was told that a dismantled wardrobe and cardboard boxes were found dumped in an alleyway behind Sotheron Street by a streetscene enforcement officer from East Riding of Yorkshire Council on 9 July last year.
Investigations traced the items back to Mr Lomakins and Miss Amelkova, but they failed to respond to approaches by the council, so the case was taken to court.
The council also took action against a former Goole resident, now living in Nottingham, after an officer found a large amount of waste in an alleyway behind Jefferson Street on 20 December last year.
The items included a sofa, games machine, clothing and general rubbish, and evidence found at the scene was traced back to the former resident.
The man admitted the offence to officers was issued with a £400 fixed penalty from the council for the illegal disposing of waste.
The council's streetscene enforcement officers launched an on-going campaign in Goole in autumn 2017 to clamp down on the problem of fly-tipping and rubbish dumping in some residential areas of the town centre.
Officers visited hundreds of homes to speak to residents about the problems and encouraged them to dispose of rubbish in the correct way – either in their recycling bins or at a household waste recycling site.
Letters were sent to other homes highlighting the issue and calling on residents to keep streets tidy, while warning signs were placed in all back alleys in the town centre.
Officers continue to patrol the areas worst affected by fly-tipping.
Anyone caught fly-tipping or leaving rubbish could be ordered to pay a £400 fixed penalty notice and, if unpaid, the issue will be taken to court, where they could face an unlimited fine or even imprisonment.
Paul Tripp, head of streetscene services at the council, said: "The majority of residents have been supportive of our campaign against fly-tipping in Goole, but there are some who still flout the law, dump their rubbish and expect us to clean it up.
"We will investigate all reports of fly-tipping and any evidence found will be used to bring a prosecution or issue a fixed penalty."
Fly-tipping information:
Residents can report any fly-tipping or suspicious activity to the council on 01482 393939, or online at eastriding.gov.uk/fly-tipping
People are asked not to touch any fly-tipped waste or approach anyone they see fly-tipping.
For guidance on how to check if a person is a registered waste carrier visit the council's website eastriding.gov.uk/fly-tipping
The council provides a service offering to take away bulky waste, which costs £30 for up to five items.


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MA Ct. App.
RODRIGUEZ v. FIRST UNION NATIONAL BANK
Appeals Court of Massachusetts.Essex.
Wilsar RODRIGUEZ & another 1 v. FIRST UNION NATIONAL BANK, trustee.2
No. 03-P-511.
Decided: July 06, 2004
Present: DOERFER, COHEN, & MILLS, JJ. Paul Michienzie, Boston, for the defendant. Seth H. Hochbaum, Brockton, for the plaintiffs.
The plaintiffs, Wilsar Rodriguez and Alejo Gomez, seek proper accounting with respect to fire insurance proceeds paid to the defendant, First Union National Bank, trustee. On cross motions for summary judgment, a Superior Court judge determined that the plaintiffs were entitled to a portion of the insurance proceeds. The essential facts are not in dispute.
1. Background. The plaintiffs purchased a home (the property) in October, 1997, and paid $98,000. In connection with the purchase, they granted a mortgage to the defendant's predecessor in interest, Option One Mortgage Corporation (Option One), for $78,000. The mortgage required the plaintiffs to insure the property against hazards, including fire, and provided that Option One had the right to obtain insurance coverage if the plaintiffs failed to do so. Paragraph five of the mortgage provides in part:
"Unless Lender and Borrower otherwise agree in writing, or applicable Law otherwise requires, insurance proceeds shall be applied first to reimburse Lender for costs and expenses incurred in connection with obtaining any such insurance proceeds, and then, at Lender's option, in such order and proportion as Lender may determine in its sole and absolute discretion, and regardless of any impairment of security or lack thereof: (i) to the sums secured by this Security Instrument, whether or not then due, and to such components thereof as Lender may determine in its sole and absolute discretion; and/or (ii) to Borrower to pay the costs and expenses of necessary repairs or restoration of the Property to a condition satisfactory to Lender."
* * *
"If under paragraph 21 [of the mortgage] the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition."
Paragraph twenty-one of the mortgage provides, in part: "If Lender invokes the STATUTORY POWER OF SALE ․ [t]he proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it."
The plaintiffs' insurance policy lapsed on October 31, 1998, and was not renewed. Option One purchased an insurance policy for the property retroactive to July 1, 1998, and assessed the premium to the plaintiffs' loan. Option One renewed this policy on October 31, 1999. On November 22, 1999, the property was damaged by fire, and both the plaintiffs and Option One submitted insurance claims, although the plaintiffs only sought $10,000 for the contents of the house.
2. Entitlement to insurance proceeds. Option One subsequently assigned the mortgage to the defendant. The plaintiffs' loan was in arrears, and the defendant notified the plaintiffs of their delinquent status. On May 4, 2000, the defendant foreclosed on the property.3 At this time, the amount due and owing on the mortgage was $83,053.79. The defendant purchased the property at the foreclosure sale for $69,700, which reduced the plaintiffs' indebtedness from $83,053.79 to $13,353.79. This conclusion derives ample support from numerous decisions rendered by the Supreme Judicial Court and this court. See, e.g., Duclersaint v. Federal Natl. Mort. Assn., 427 Mass. 809, 810-811, 696 N.E.2d 536 (1998) (a mortgagee's purchase of a property at a foreclosure sale is not merely a "paper transaction" despite the fact that "no real funds [are] ever realized by [the mortgagee]"); Ideal Financial Servs., Inc. v. Zichelle, 52 Mass.App.Ct. 50, 61, 750 N.E.2d 508 (2001), quoting from Charlestown Five Cents Sav. Bank v. White, 30 F.Supp. 416, 418-419 (D.Mass.1939) ("When the ․ [mortgagee] bought at the foreclosure sale and gave a deed to itself, it ․ became responsible for the application of the purchase price as though it had received it upon a foreclosure sale to a stranger, and it was bound to apply it to the payment of the mortgage debt.") After the foreclosure sale, the insurance company paid $78,934.83 to the defendant on the defendant's claim under the hazard insurance policy.
The judge correctly calculated that the defendant was owed $83,053.79 before the foreclosure sale, bought the property for $69,700 at the foreclosure sale (extinguishing the debt by that amount), and should receive $13,353.79 from the insurance proceeds to satisfy the debt balance. She correctly ruled that the surplus of $65,581.04 in insurance proceeds should be paid to the plaintiffs.
As the judge correctly observed, the purpose of a mortgage is to provide security for payment of the mortgage debt. See Ideal Financial Servs., Inc., supra at 61, 750 N.E.2d 508. See also Natick Five Cents Sav. Bank v. Bailey, 307 Mass. 500, 501, 30 N.E.2d 383 (1940) (a mortgage is given to secure the performance of the mortgagor's obligation on the note). The mortgagee cannot recover and retain insurance proceeds under the policy in excess of the debt secured by the mortgage. See Ben-Morris Co. v. Hanover Ins. Co., 3 Mass.App.Ct. 779, 779, 333 N.E.2d 455 (1975), quoting from Attleborough Sav. Bank v. Security Ins. Co., 168 Mass. 147, 149, 46 N.E. 390 (1897) ("The interest of the mortgagee under the fire policy is 'the amount which may be due the mortgagee on the mortgage debt' "); Lembo v. Parks, 6 Mass.App.Ct. 850, 851, 372 N.E.2d 1316 (1978) ("the mortgagee is insured only to the extent of the mortgage debt"); Ideal Financial Servs., Inc., supra at 61, 750 N.E.2d 508 (a mortgagee has "an insurable interest in the insured premises that is limited to the extent that the property secures the debt"). The defendant's interest under the policy " 'was intended to provide for a diminution ․ by the reduction, by payment or otherwise, of the amount of the debt.' " Ben-Morris Co., supra at 779, 333 N.E.2d 455, quoting from Attleborough Sav. Bank, supra. Once the plaintiffs' debt was reduced by application of $69,700 in sale proceeds from the foreclosure sale, the defendant's entitlement to recover and retain the insurance proceeds was extinguished to that extent. Duclersaint, supra at 811-812, 696 N.E.2d 536.
The defendant, focusing upon paragraph five of the mortgage in isolation, argues that it is entitled to insurance proceeds up to $83,053.79, the amount owing under the mortgage just before the foreclosure sale occurred. The defendant further maintains that the proceeds of the foreclosure sale are independent of this language, and are therefore irrelevant. Even were we to accept the defendant's argument regarding its entitlement to the insurance proceeds, however, we would conclude that the plaintiff is due a payment in the amount claimed. The defendant's right to retain insurance proceeds does not eliminate its obligation to apply those proceeds to the secured debt, and to account for them to the plaintiff. Accordingly, the defendant's receipt and retention of $78,934.83 in insurance proceeds would operate to reduce the outstanding mortgage debt secured by that amount, leaving a remaining balance of $4,118.96. The additional proceeds from the foreclosure sale exceeded the remaining balance, and the plaintiffs are entitled to that excess, which is the amount claimed. As we have noted, the purpose of a mortgage is to secure a debt. Once the creditor has been satisfied, amounts in excess of the debt should be returned to the mortgagor. We are not persuaded otherwise by the defendant.
3. Unjust enrichment. Despite conceding, as it must, that its purchase of the property from itself was not merely a "paper transaction," the defendant argues that the plaintiffs were unjustly enriched by the judge's decision in their favor. We disagree and note that any other result would unjustly enrich the defendant.
The defendant wishes to retain the $69,700 in foreclosure proceeds and the $78,934.83 in insurance proceeds, totaling $148,634.83, although the outstanding debt on the mortgage was only $83,053.79. The defendant knowingly bid on fire-damaged property. Compare Fireman's Fund Mort. Corp. v. Allstate Ins. Co., 838 P.2d 790, 797 (Alaska 1992) (holding that mortgagee was entitled to seek reformation of the foreclosure sale contract for mutual mistake where neither mortgagor nor mortgagee had actual or constructive notice of damage that occurred only hours before the foreclosure sale, but ruling, in the absence of reformation, that mortgagee-buyer was entitled to no more in insurance proceeds than the mortgagor's outstanding debt after foreclosure, i.e., the deficiency). The defendant's foreclosure bid represented the price it was willing to pay for the property in its damaged condition. See Duclersaint, supra at 812-813, 696 N.E.2d 536. The insurance proceeds represent the difference between the value of the undamaged property and the value of the damaged property. After satisfying the deficiency, the mortgagee should not be permitted to keep excess proceeds for the undamaged property, which it did not bid upon. A North Carolina court explained:
"[C]ourts emphasize the sequence of events. They distinguish between foreclosure-after-loss and foreclosure-before-loss. When insured property is damaged prior to foreclosure, courts allow the purchasing mortgagee to retain under the mortgage clause those proceeds amounting to any deficiency after foreclosure. The mortgagor recovers the remainder of the proceeds. The courts conclude that once the deficiency is satisfied, the mortgagee's additional recovery of proceeds representing undamaged property would amount to unjust enrichment since its bid represented the value of the damaged property." (Emphasis in original.)
Tech Land Dev., Inc. v. South Carolina Ins. Co., 57 N.C.App. 566, 569, 291 S.E.2d 821 (1982) (internal citations omitted). See Nationwide Mut. Fire Ins. Co. v. Wilborn, 291 Ala. 193, 199, 279 So.2d 460 (1973) ("in the [foreclosure after loss situation], to allow recovery of insurance proceeds by the mortgagee after full satisfaction of the debt would amount to mortgagee's unjust enrichment").
According to Duclersaint, supra at 812, 696 N.E.2d 536, "the value of property [was] set conclusively by the final bid accepted at the foreclosure sale." See Whitestone Sav. & Loan Assn. v. Allstate Ins. Co., 28 N.Y.2d 332, 337, 321 N.Y.S.2d 862, 270 N.E.2d 694 (1971) ("To allow the mortgagee, after effectively cutting off or discouraging lower bidders, to take the property-and then establish that it was worth less than the bid-encourages fraud, creates uncertainty as to the mortgagor's rights, and most unfairly deprives the sale of whatever leaven comes from other bidders. Mortgagees have the obvious opportunity to bid only so much of the debt as equals the value of the property, and if someone else wishes to bid the same or more, so much the better for every other party concerned with the property"). Thus, as matter of law, the value of this property was $69,700 at the time of foreclosure, in its fire-damaged state.4 Adding to this the value of the insurance proceeds of $78,934.83, it would appear that the property value prior to the fire approximated $148,634.83, suggesting that the property had appreciated while held by the mortgagor. Any such appreciation over and above the indebtedness must accrue to the mortgagor. To permit the mortgagee to retain the appreciation would be to permit its unjust enrichment.
The reality of this case, however, is that there is no real indication that the property had appreciated at all. Instead, for reasons not apparent from the record, the defendant seems to have made an unusually high bid for property that it knew had been made uninhabitable by fire. If anything, although the defendant does not so argue, it appears that the defendant mistakenly bid more than the property was worth in its damaged condition at the time of sale. Like the court in Duclersaint, supra at 812-813, 696 N.E.2d 536, however, we will not hold a mortgagee's unilateral mistake against the mortgagor. Since we will not permit the mortgagee to recover more than full satisfaction of the mortgage debt, the required result is to award the excess proceeds to the mortgagor.
4. Additional claims. The defendant argues that the plaintiffs waived their right to the insurance proceeds by failing to file a claim or by abandoning the property. The defendant also claims that it, as the only named payee on the policy, was entitled to the proceeds. The defendant's arguments do not persuade us to alter the basic requirement that the plaintiffs receive a proper accounting of their mortgage balance in view of the amounts collected by the defendant from the foreclosure sale and the insurer.
3. In response to notice of the foreclosure action, the plaintiffs requested an adjournment of the foreclosure sale on the basis that sufficient funds were expected to be available from the insurance claims in order to pay off the mortgage. In an additional effort to prevent the foreclosure sale, the plaintiffs filed a motion for preliminary injunction concurrent with the filing of the complaint in this action. The plaintiffs' motion was denied.
4. Mortgagees are bound to exercise the utmost good faith and due care in making foreclosure bids. Duclersaint, supra at 812, 813, 696 N.E.2d 536, citing Crane v. White, 215 Mass. 478, 480, 102 N.E. 705 (1913); Pilok v. Bednarski, 230 Mass. 56, 58, 119 N.E. 360 (1918); Williams v. Resolution GGF Oy, 417 Mass. 377, 383, 630 N.E.2d 581 (1994). It is not our concern how the defendant determined what to bid on the property, so long as there are no indicia of bad faith or carelessness toward the mortgagor's interests. Especially where the court has not been called upon to consider reformation of the foreclosure sale contract, we will not look behind that bid.
MILLS, J.


Polycystic ovary syndrome (PCOS) is associated with anovalation and a common cause of infertility, Clomiphene citrate has traditionally used as a drug of choice in treating women with anovulatory PCOS, in the last decade letrozole, an aromatase inhibitor has emerged as an alternative ovulation induction agent. The objective of this study is to compare the effects of letrozole and clomiphene citrate as an ovulation induction drug in subfertile PCOS women. The subfertile PCOS women were treated randomly with 5 mg letrozole or 100mg clomiphene citrate from day 3 menstrual cycle for 5 days. The main outcome of this study are: ovulation rate; mono or multi follicular rate; days to ovulation; endometrial thickness; and serum estradiol levels and pregnancy rate. Letrozole group was higher in number of responsive when compared with CC group but still not significant. In letrozole group the number of monofollicle cycle was higher (69.57%) and multifollicles cycle was low (30.43%) when are comparing with that of CC group. In conclusion, letrozole in patients with PCOS is as effective as clomiphene citrate in inducing ovulation, ovulation rate and the incidence of pregnancy was higher with letrozole than that with clomiphene citrate. A part from that, letrozole treatment is prone to a production of monofollicles.
Copyright © 2016 by The American Society for BioMedicine and BM-Publisher, Inc.
Beinsden PR, Balen AH. Textbook of Invitro Fertilization and Asisted Reproduction. 3rd edition, 2007:189-215.
Gardner DK, Weissman A, Tang TH. Polycystic ovaries and ART in: Textbook Of Reproductive Technologies. 3rdedition. 2010;53:721-735.
Rao KA, Carp H, Fische R, Abha M, Sharma MN. Anovulatory infertility in: Principle and Practice of Assisted Reproductive Technology. 1st edition 2014; vol 1:165-182.
Sadeq AM, Kareem SM. Clomiphene citrate or letrozole for ovulation induction in infertile polycystic ovarian syndrome women. American Journal of BioMedicine 2016;4(11):455-465.


This is something you can't go wrong with. The only catch is getting his style right. So if he wears predominantly black shoes getting him a brown leather belt would definitely be a miss. Opting for a watch from a renowned designer's collection is definitely a fantastic option if you know that he is a watch person. Not seeing him wear a watch is a great hint what not to get. So, as you can tell, an accessory of any kind, whether it is a hat or a belt, works only if your loved one actually wears it. A lot of times we get our guy something we would want him to wear and then get upset if he doesn't. So make sure you get him the accessory he really wants and needs.
If your man loves eating healthy you can get him a blender accompanied by a fruit basket, to aid him in his plans. And if he prefers eating out, some vouchers for his favorite health food restaurant will also do the trick. On the other hand, if he is more of a fitness junkie you could sign both of you up for energetic group fitness classes at his gym. That way you get to spend a bit more time together and you'll be able to get to know this side of him a bit more. These are all great options for supporting your guy in keeping his good and healthy habits going.
If you are dating or are married to a tech-loving man, getting him a gift somewhere along those lines is definitely a must. Now in order to buy him the right piece of equipment, especially if you yourself are not tech savvy you will need to ask for some assistance. But before you ask one of his best friends what gadgets has he been talking about lately, try to find out for yourself. Maybe he has mentioned these a few times, but your brain just proceed it as white noise, and let's be honest this can really happen. A great example of a tech gift would be something that combines your man's love of cars and of tech, so a mounted windshield projector it looks cool and he is sure to love it.
Realistically there is no better gif for a dapper man. Depending on his personal style and appearance you could include anything from a beard grooming kit to a retro shaving kit. Just as long as you pay attention to his scent favorites and possible allergens. Getting one of these kits in a rustic box, carefully selected just for this occasion will make this the perfect Valentine's day gift for your man.
So there you have it, this carefully chosen selection is complete. The one thing you need to pay attention to, no matter which gift idea you decide on, is making it fit his personal style and preferences. That is the only way to truly show the man you love how much you care about him.
These are special and unique ideas and very thoughtful, thanks for posting!


text:
Bhutan's modern face
Dawa T. Wangchuk
Thimphu, the kingdom's fast-developing capital, is one of the cities most vulnerable to climate change in the world. But it is unprepared for the crisis, reports Dawa T Wangchuk.
Over the past few decades, Thimphu – the capital of Bhutan – has transformed from a beautiful little town into a modern, concrete city. But urban expansion has come at the cost of severe environmental degradation.
Climate change is putting the city at even greater risk. Thimphu is one of 15 cities in the world most vulnerable to the impact of global warming, according to a recent report by the International Institute for Environment and Development, a London-based research organisation.
The city sprawls down steep slopes between altitudes of 2,248 metres and 2,648 metres. Thimphu's sharp inclines – many with gradients greater than 30% – make the city particularly vulnerable to landslides. Heavy rainfall and sudden cloudbursts, which increase the risk of landsides, will become more frequent as a result of climate change, according to the Intergovernmental Panel on Climate Change (IPCC) 2007 assessment report.
Thimphu's urban development began at a slow pace in 1961, with the launch of Bhutan's first Five-Year Plan. But it was not until the kingdom opened its doors to the outside world in the 1970s, that the process of urbanisation really started to take hold. Since then, there has been considerable construction in the city centre and suburban development has mushroomed.
According to Bhutan's National Statistics Bureau, Thimphu had a population of 104,214 in 2010, and is growing at a rate of 1.3% every year. Thimphu will continue to expand in the future, as migration from villages to the city becomes ever more popular.
The environmental effects of this urban expansion are visible to anyone who visits the capital. In the past, ecologically rich wetlands were interspersed with the city's buildings – visible by the swimming pool complex and the Changlimithang Stadium, south of the sewage-treatment plant in Babesa, near the cremation ground by the river and next to the settlement of Langjophaka. Today, most of the wetlands have been converted into residential areas, shopping complexes, sports and recreational spaces. Only a few remain, but they too are at risk of disappearing.
Predictably, urbanisation has had a negative effect on flora and fauna. Wood snipes, once common in Thimphu, have not been seen since 1999, according to ecologist Rebecca Pradhan from Bhutan's Royal Society for Protection of Nature.
Waste management has always been a problem in Thimphu, but the situation has deteriorated with the expanding population. According to Thimphu City Corporation records, the capital of Bhutan produced about 18,000 tonnes of waste in 2009, which means almost 50,000 kilograms every day. The waste-management system is already struggling to cope, but it is estimated that, by 2020, some 81,000 kilograms of waste will be produced every day.
In 2009, local waste comprised mainly organic materials, as well as some paper and plastic. But now electronic waste – particularly refrigerators, computers and mobile phones – is being dumped out in the open along with other waste, increasing the risk of dangerous chemicals leaking into soil and downstream water supplies.
With more and more Bhutanese settling in Thimphu, the numbers of vehicles are increasing too. Of the 53,382 vehicles in the country, 29,139 are in Thimphu and major cities in the west, according to the Royal Bhutan Police Traffic Division. Higher vehicle numbers have led to a higher demand for road construction in the fragile mountains, and increased traffic on the 11-kilometre Thimphu-Babesa expressway has destroyed many bird habitats. The ongoing river diversion work on the Thimphu River has also resulted in further destruction of bird habitats.
According to the National Environment Commission, Thimphu and the town of Phuentsholing on the border with India have experienced deteriorating air quality over the years. Daily air-pollution levels now often exceed WHO guidelines. Sources of air pollution include combustion of biomass and fossil fuels, industrial emissions, dust from unpaved roads, new construction sites and bitumen heating for road construction.
Houses in Thimphu are poorly designed when it comes to storing heat during the cold winters. Improving building design could save energy and money in the long run. If building designs are improved, energy consumption could be drastically reduced. For example, in an average household, windows account for 15% to 30% of the total heat loss. Well-designed, large glass windows could save energy through the benefits of passive solar heating. While the initial cost of installing double-glazed windows is high, by reducing energy loss by up to 18%, such a move would eventually pay for itself. Advanced insulation materials can reduce the energy consumption of buildings by as much as 90%, according to the architect Herbert Girardet.
Although such solutions are available, they are seldom used, while the capital of this remote country hurtles to catch up with the rest of the world.
Dawa T Wangchuk is a reporter for Business Bhutan, the country's only financial newspaper
Homepage image from tlupic
Rampant city development in the world's most ecologically fragile region will have disastrous consequences if left unchecked. Beth Walker introduces a new chinadialogue series on urbanisation in the Himalayas.
Urban sprawl is driving a deepening water crisis in Nepal's capital. Ramesh Prasad Bhushal reports as part of a chinadialogue series on urbanisation in the Himalayas.
Kashmir's urban jungle
Unbridled urban development is destroying Kashmir's precious wetlands and government apathy is to blame, writes Athar Parvaiz from northern India.


Become a part of the Reach Out and Read movement.
In partnership with our valued supporters, we aim to continue growing so that Reach Out and Read is integrated into pediatric care in every clinic throughout the nation.
We welcome applications from clinical sites that wish to become an official Reach Out and Read site.
Learn more about starting a Reach Out and Read program here.
Reach Out and Read's impact is magnified and enhanced by the work of thousands of volunteers nationwide.
Reading aloud to children at select program sites.
The Reach Out and Read intervention receives broad bipartisan support in Congress.
In December 2015, Congress passed the Every Student Succeeds Act into law. This law authorizes the Reach Out and Read model in federal education policy for the first time.
Fifteen states currently invest in local Reach Out and Read affiliates, providing critical funding for books and infrastructure.
Employment with Reach Out and Read represents more than just a job.
Our team is comprised of highly-skilled professionals who have a deep commitment to excellence, and to the children and families we serve.
There are opportunities to work with Reach Out and Read both in local affiliates and in our National Center in Boston.
Learn about current vacancies here.


Commonwealth Games Minister Kate Jones has launched the first two commemorative coins for the Gold Coast 2018 Commonwealth Games on Commonwealth Day.
Ms Jones was joined by the Acting Gold Coast Mayor Donna Gates and Royal Australian Mint CEO Ross MacDiarmid for the Commonwealth Day celebrations at the Runaway Bay Sports Super Centre.
"With the Gold Coast Commonwealth Games now a little more than a year away, it's exciting to unveil these commemorative coins on Commonwealth Day," she said.
"These gold and silver GC2018 Queen's Baton Relay coins see the Gold Coast featured on a Royal Australian Mint coin for the very first time.
"It's very fitting to unveil these commemorative coins today, because not only is it Commonwealth Day, but we'll actually see the Queen's Baton Relay set off from London.
Ms Gates said the release of the GC2018 commemorative coins was an historic event for the Gold Coast.
"With our city featured on a Royal Australian Mint coin for the first time and the Queen's Baton commencing its journey to our city, this is an exciting day," she said.
Mr MacDiarmid said the coin design features a baton relay runner surrounded by 70 flags symbolising the Commonwealth nations against a backdrop of the Gold Coast skyline.
"The Royal Australian Mint has a long-standing tradition for celebrating national events and the Queen's Baton Relay is the perfect way to kick off the Gold Coast Commonwealth Games 2018 Coin Program," he said.
The limited edition $5 QBR Silver Proof Coin (RRP $150 AUD) and $25 QBR Gold Proof Coin (RRP $800 AUD) will be available for purchase from today through The Royal Australian Mint website at eshop.ramint.gov.au.


text:
Japan-Philippines Defense Ties in the Spotlight with New Vessels
Tokyo's capacity-building assistance is part of a broader trend of continued security cooperation in the Duterte era.
By Prashanth Parameswaran for The Diplomat
Credit: Twitter/DOTr
Earlier this week, the Philippine Coast Guard (PCG) commissioned three new vessels from Japan amid the commemoration of its anniversary. The development once again placed the spotlight on the vital capacity-building assistance Tokyo continues to provide to Manila as well as the broader trend of continuing defense collaboration that has endured between the two sides despite the challenges posed by the rise of Philippine President Rodrigo Duterte.
As I have been noting in these pages, despite lingering uncertainties and some refocusing following the election of Duterte, Japan-Philippines defense ties have nonetheless continued strengthening in some areas of the maritime realm as part of their broader partnership (See: "Japan-Philippines Defense Relations Under Duterte: Full Steam Ahead?"). Indeed, security ties have factored into a busy last few weeks for the relationship, which included Duterte visiting Tokyo last month and Abe visiting Manila last week for the recent round of ASEAN summitry, which the Philippines is hosting as the holder of the annually rotating ASEAN chairmanship.
As I have observed before, the PCG and the Philippine Navy need all the help they can get from allies and partners like the United States, Japan, and Australia, particularly in the maritime realm where there is a need to cover over 7,000 islands with a tenth of the world's coastline (See: "Where is the Philippines Coast Guard in its Military Modernization?"). The Philippines also faces a wide range of challenges including not just the South China Sea, which tends to dominate foreign commentary, but also a range of transnational challenges in the Sulu-Sulawesi Seas and the renewed threat of terrorism from the Islamic State, which persists even after the end of the siege in the southern city of Marawi (See: "ASEAN's Post-Marawi Islamic State Challenge").
One of the most visible manifestations of Japan-Philippines security ties has been the much-needed capacity-building Tokyo is providing Manila through the Maritime Safety Capability Improvement Project (MSCIP), an official development assistant project financed by loans extended by the Japan International Cooperation Agency (JICA). Of the ten multi-role response vessels (MRRVs) initially pledged to be delivered under Phase I of MSCIP, three of them were delivered last year, three of them had arrived earlier this year, and the remaining four are to be delivered next year.
On November 20, as officials from both sides had indicated in advance, the PCG commissioned three more of the Japan-made 44-meter Parola-class MRRVs in a ceremony that coincided with its 116th founding anniversary. The newly commissioned vessels – BRP Capones (MRRV-4404), BRP Suluan (MRRV-4406), and BRP Sindangan (MRRV-4407) – had arrived between March and August this year.
Philippine officials have been playing up the role that these vessels will play in terms of addressing the challenges the country faces. During the November 16 visit of Kenataro Sonoura, the special adviser to the prime minister of Japan, to PCG headquarters, which occurred just days before the commissioning ceremony, National Security Adviser Hermogenes Esperon Jr. had told reporters that three or four of the vessels would be immediately deployed to the South China Sea following commissioning, apart from their stated use for a wide range of activities including search and rescue, anti-terrorism, and law enforcement.
Those remarks came amid continued concerns raised by some about the Duterte administration's failure to effectively manage the old risks inherent in engaging China on the South China Sea issue despite its focus on the new opportunities therein (See: "Beware the New China-Philippines South China Sea Deal").
Apart from the MRRVs, one important development that did not make as much of a splash was Japan's turning over three seven-meter rigid hull inflatable boats (RHIBs) to the PCG as well following the ceremony. More of these RHIBs are expected to be delivered in 2018 in line with a pledge made by Japan earlier this year. Philippine defense officials had previously said that the ships would be useful for a variety of tasks, including deployments in the southern Philippines to fight sea piracy.
Beyond these manifestations of capacity-building that tend to be the most visible aspects of Japan-Philippines defense ties, officials from both sides are keen to emphasize that there are other areas of cooperation, be it Japanese specialists training Philippine personnel on aspects of maritime security or other low-visibility exercises and interactions. And indications are that more is on the way as well, be it in terms of bigger vessels or radar systems as Japan seeks to develop its defense ties with the Philippines as well as other ASEAN states (See: "Japan Reveals First ASEAN Defense Initiative with Vientiane Vision"). All this suggests that developments in this space will continue to be interesting to watch in the coming months.
Prashanth Parameswaran
Dr. Prashanth Parameswaran is a Senior Columnist at The Diplomat and a fellow at the Wilson Center's Asia Program.
ASEAN Japan
ASEAN maritime security
Duterte foreign policy
Duterte Japan
Japan ASEAN coast guard
Japan Coast Guard
Japan maritime security
Japan Southeast Asia
Philippines Coast Guard
Philippines military modernization
Philippines South China Sea
Vientiane Vision
ASEAN-Japan Coast Guard Cooperation in the Spotlight With Philippines Exercise
The expanded version of a maritime exercise offered a glimpse into ongoing cooperation in this realm.
New Military Aircraft Puts Japan-Philippines Defense Ties in the Spotlight
An anticipated delivery would conclude a deal that holds significance for both sides and the wider region.
Japan Destroyer Visits Philippines Amid Maritime Security Boosts
The engagement holds broader significance in the context of broader security relations between the two sides.
A New Japan-Philippines Military Helicopter Deal?
Though specifics are still unclear, a transaction mulled by the two sides reflects their ongoing defense cooperation.


text:
Newsroom: JDR to supply cables for offshore wind farm
By Baltic Wind|2021-06-11T17:30:46+02:00June 11th, 2021|GERMANY, OFFSHORE NEWS, PROJECTS|
JDR, the global subsea umbilical supplier and servicer, owned by the TFKable Group, has been awarded a contract by Parkwind to supply, test and terminate 33kV subsea cables for the Arcadis Ost 1 offshore wind farm in Germany.
The company will supply the 45km of 33kV array cable that will connect the 27 wind turbines. It will also provide technicians, tooling and test equipment for the testing and termination of the array cable. JDR won the contract through a competitive tender due to strong technical capabilities and breadth of offshore experience.
The project is located approximately 19km northeast of the island Rügen in the federal state of Mecklenburg-Western Pomerania and will have a capacity of 257MW. This wind farm will be Parkwind's fifth, bringing its operational capacity under management to over 1GW.
Wojtek Skoczylas, Chief Sales Officer at JDR comments: "The German Baltic sea is a central hub for the offshore wind industry, and we can see it going from strength to strength. Just last year, German North Sea wind farms produced more electricity in one year than ever before. So, we're not only delighted to be a part of this growth, but we're also proud to mark our first contract with Parkwind, providing the innovative solutions and technical expertise of our team to help deliver success for their first international offshore wind project."
By contracting JDR for both the cable supply and the termination and testing works, Parkwind will benefit from continuity throughout the project, from manufacturing to installation, ensuring the integrity of the cables through to final commissioning and energisation.
The Electrical Package Manager at Parkwind, Luc Smismans, commented: "With JDR joining the Arcadis Ost 1 project, we have now surrounded ourselves with some of the world's best subsea cable manufacturers to complete our wind farm. The technical strength of our suppliers has always been a strong focus to Parkwind but the particular conditions of the Baltic Sea require special attention to the design and manufacturing of the cables. Parkwind has full confidence that this will be successfully accomplished by JDR and therefore we are delighted to have them on board."
The cables will be manufactured at JDR's state-of-the-art facility in Hartlepool, where they will be picked up by the cable installation Contractor for installation in Germany in 2022.
source: JDR
Offshore wind energy investors call for reforms in Sweden
Sweden could lead the Baltic region in 'green' steel production
IMCA finalises Guidelines for Walk to Work (W2W) Operations
Baltic Wind
Baltic Wind EU Newsroom. Do you have a news worth sharing, submit your press release at newsroom@balticwind.eu


text:
Q: Is there an accepted terminology/notation for the vector $\langle \theta \rangle := \begin{bmatrix} \sin \theta \\ \cos \theta \end{bmatrix}$? Suppose you start off at a point $A$, walk 10 units at a bearing of $\frac{\pi}{4}$, then walk 25 more at a bearing of $\frac{5\pi}{4}$. The point where you end up is, of course,
$$A+10\left\langle \frac{\pi}{4}\right\rangle+25\left\langle \frac{5\pi}{4}\right\rangle,$$
where $$\langle \theta \rangle := \begin{bmatrix}
\sin \theta  \\
\cos \theta
\end{bmatrix}$$
For pedagogical reasons, it would be nice to have standard notation and/or terminology for what I'm denoting here as $\langle \theta \rangle$.

Question. Are there any standards here?

A: Your vector is
$$\mathrm{e}^{\theta \mathbf{x} \wedge \mathbf{y}} \cdot \mathbf{x}$$
where $\mathbf{x}$ is the basis vector for the $x$ direction, $\mathbf{y}$ is the basis vector for the $y$ direction, $\wedge$ is the wedge product, $\mathrm{e}$ is the matrix exponential, and $\cdot$ is the inner product. The rotation matrix $\mathrm{e}^{\theta \mathbf{x} \wedge \mathbf{y}}$ is also typically denoted by $R(\theta)$.

redpajama_set_name: RedPajamaStackExchange


text:
Q: Get value from DataGrid.SelectedItems IList I am creating a WPF application that displays the records, from a single SQL database table, in a DataGrid.  The application also includes a TreeView that is used to filter records as well as three buttons that:

*

*Delete all records.

*Delete records that are older than 30 minutes.

*Delete records that are selected in the DataGrid.

I have been instructed to use code behind and not MVVM so my DataGrid binding takes place on the various events such as Window_Loaded, "TreeViewItem"_Selected, etc... and everything is working correctly.  As for the buttons, the first one is straight forward since it deletes all of the records from the table so I am simply sending a string with the TSQL command.  The second button is essentially the same however it is executing a stored procedure.  The third button and the final piece to this application is where I'm stuck.
Obviously I need to "match" the rows that were selected in the DataGrid to rows in the database table which I can do using the record ID however the challenge I am faced with is that I cannot figure out how to pull the record ID from the selected items list.  I have been scouring the internet for nearly a week now and nearly all of the information I find references DataGridView which according to XAML is not supported.  I created the following method
    private void GetSelectedRecordIds()
    {
        var selectedRows = licenseGrid.SelectedItems;
    }

and this returns an IList with the indexes and each index shows the values in that row (screenshot of locals below).

Is this the right way to go about this?
If so, what is the best way to pull the value I need from the "Id" column?

A: Assuming that you are populating your DataGrid by binding its ItemsCollection to a collection of custom objects , you can cast your IList back to an IEnumerable of strongly-typed object like this:
private void GetSelectedRecordIds()
{
    IList selectedRows = (IList)licenseGrid.SelectedItems;
    var stronglyTypedList = selectedRows.Cast<MyType>();

    foreach (MyType m in stronglyTypedList)
    {
        int id = m.ID;
        // do something with ID
    }
}

If you need additional help deleting from the database based on those IDs, let me know...


IDM Mining Ltd. is pleased to announce an update to engineering and permitting activities and ongoing plans for the 2016 field season at the Red Mountain Gold Project, located in the Golden Triangle, east of Stewart B.C.
Knight Piesold Ltd, a geotechnical engineering company, has been retained to conduct a Geotechnical Site Investigation at the Bromley Humps area, located within the Bitter Creek Valley, approximately five kilometers west of the Red Mountain Gold Deposit. The purpose of this study is to support feasibility-level designs for the potential mineral processing plant site foundations and waste and water management facilities.
"IDM is committed to a high level of design and engineering for the proposed site infrastructure at Red Mountain," said Michael McPhie, Executive Chairman. "Our initial studies suggest that the Bromley Humps location represents an ideal location for the modest infrastructure required for a high-grade underground mine."
A total of 10 geotechnical holes are planned: nine vertical and one inclined within the proposed embankment areas for the tailings management facility ("TMF"), with drilling currently underway. These HQ-diameter holes will penetrate at least 30 meters into bedrock, and hydrological and geotechnical tests will be completed. Additionally, three water quality monitoring wells will be established at the Bromley Humps location. Test pits will be excavated to test potential construction and fill material sources from within and proximal to the proposed location for the facilities, primarily from glacial moraine and river gravels. It is anticipated that the drilling will be complete by early September 2016.
Geological mapping suggests that the Bromley Humps area is underlain primarily by bedrock with local thin overburden. The majority of the area is underlain by a competent, carbonate-rich gabbro intrusive, with local areas of cherty sedimentary rocks and diorite. Vegetation is primarily alder thickets and stands of cottonwood trees.
Additionally, working with lead engineering firm JDS Mining and Energy, the Company is completing engineering studies to advance the Red Mountain underground gold project, including underground metallurgical and geotechnical drilling, hydrological and groundwater studies, as well as road and powerline right-of-way studies. On July 12, 2016, IDM announced an Updated Preliminary Economic Assessment for the Project; the accompanying technical report will filed shortly on the Company website and at www.sedar.com.
IDM, through various contractors and consultants, has been actively completing environmental baseline and assessment work since 2014, including hydrological and ground water studies, wildlife, fisheries and geohazard surveys amongst others. Proactive, respectful, and transparent consultation and engagement with the Nisga'a Nation is ongoing.


text:
StageBuzz.com
Review - Nutcracker: Rated R (Angela Harriell and Theater for the New City)
Stage Buzz Review by Byrne Harrison
There are those who will avoid Nutcracker: Rated R based on the title, assuming that this is a snarky parody of the beloved Christmas ballet. The truth of the matter, however, is that Angela Harriell has created a unique and intriguing work that is at once an elegant homage to Tchaikovsky's original, a sly send up of New York in the 1980s and today, and a showcase for her considerable talents as a choreographer and dramatist and her cast as dancers and actors.
In this version of the Nutcracker, Clara (Juliana Smith) is a rebellious teen attending a Christmas party with her family. Her strange uncle Drosselmeyer (David F. Slone, Esq.) gives her, not a nutcracker, but an album by an androgynous singer from the '80s called Firecrotch. Left behind by the drunken partygoers, Clara falls asleep in the restaurant and sees the battle between the Rats (in this version, very sexy rats) and the suited and cellphoned Corporate Soldiers.
Where Tchaikovsky has Clara dance with her nutcracker, Harriell has her dance with the Firecrotch Record, using some very amusing choreography. Imagine how a record would move and you'll get a sense of it. Drosselmeyer's record is, of course, magic, and it sends her back in time to New York in the '80s. It's there that Harriell shines as a choreographer, weaving a Spanish block party, Chinese delivery people, strippers, coke addicts, and even street people into amazing dance numbers. Two pieces in particular were spectacular: The Blow Fairies, which showed the highs and lows of cocaine addiction; and Derelicts, a sublime dance featuring two homeless people in Central Park. Eventually, Drosselmeyer shows Clara her parents in their youth and takes her to The Stall Club where she finally gets to meet her idol, Firecrotch.
This remarkable show features a talented ensemble of dancers and actors, all of whom, with the exception of Slone, play multiple roles. Of particular note are Amber Shirley, a beautiful and athletic dancer who plays the Rat Queen, Jesus Chapa-Malacara, who is outstanding in both Derelicts and The Blow Fairies, Clare Tobin, as the Blow Queen, and Joseph Schles, who is amusing as hell as a Chinese delivery boy in Race of the Dragons. The cast also includes Gregory Dubin, Christopher L. Dunston, Christina Johnson, Kimberly Lantz, Kate Lawrence, Adam Pellegrine, Renee Scalise, and Emma Stein.
Hopefully, this is not the last we'll see of Nutcracker: Rated R.
Choreographed by Angela Harriell
http://www.nutcrackerratedr.com
Theater for the New City
Posted by Byrne Harrison at 5:53 PM
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Judd Hollander


Are you seeking for the job in Deloitte? then this Deloitte Recruitment 2018-2019 will be very helpful for the candidates. Every year the Deloitte hire the candidates for various positions in their company. Likewise, this year also the officials are planning to recruit a massive number of candidates. So, the aspirants who are trying for the job in the Information Technology (IT) can grab this chance by applying for Deloitte Careers For Freshers. Most of the candidates are unaware of the eligibility details about the Deloitte Recruitment 2018-2019. So to help the aspirants we are providing the Deloitte Job Openings for Freshers, Deloitte Selection Process, Deloitte Eligibility Criteria, Deloitte Salary Details, Deloitte Procedure to apply for the Deloitte Recruitment 2018-2019. Therefore, the aspirants who are going to apply need to check the details on this page.
At present, many of the candidates are showing interest to apply for Deloitte Careers. In Deloitte, there are many functional areas. Well, the candidates can choose the keyword and search for the Deloitte Job Openings 2018-2019. All the candidates have to meet the eligibility criteria before applying. So the contenders who are fascinated to do the job in the Deloitte can check the details from this page and apply for the recruitment before the last date. Deloitte is conducting the Deloitte Recruitment 2018-2019 at various location across India in various cities like Mumbai, Gurgaon, Pune, Hyderabad, Bangalore, and Chennai etc. This recruitment opportunity is for the candidates those who want to make their bright in the software field.
The Deloitte is inviting the applications from the eligible aspirants through the online mode only. This recruitment is for freshers of given educational qualification. The aspirants who are talented enough to result oriented can apply for the Deloitte Recruitment 2018-2019. Hence, the candidates who are eager to learn new technologies and to work with the dynamic environment to hit the ambitious goals are suitable to apply for the Deloitte vacancies. In next section of this page, we are providing the location wise job openings in the tabular format. Therefore, the contenders can apply for the Deloitte Job Openings 2018-2019 by checking the details in a clear cut manner. Applying candidates have to possess graduation, post graduation or an equivalent course.
This is the accurate place for the candidates to find our the location wise Deloitte Job 2018-2019. Moreover, the aspirants can check the official career page for various latest job openings.
The candidates have to undergo the selection process conducts by the company officials. The various rounds of the selection process as follows.
Contenders have to clear all the round by step by step by performing well. Therefore, only the aspirants who cleared all the rounds are able to get the job in the Deloitte.
Candidates who are holding B.E, B.Tech, M.E, M.Tech, M.C.A (Computer Science, Electronics, Electrical, IT, IS)/ B.Sc (Computer Science, Mathematics, Electronics, Statistics, IT), BCA degree, Diploma can apply for campus drive of the company.
Contender must and should have 65% in 10th class, 12th standard, and Post graduation with no standing arrears or backlogs.
Should not have education gap more than 2 years.
Must and should have great team spirit and high personal impact.
Ability to be competent in the use of MS office applications (Outlook, Word, Excel, and PowerPoint).
Should be familiar with the social media.
The above provided are the eligibility criteria that the candidates should have those who are applying for the Deloitte Recruitment 2018-2019. Contenders who are not having the given criteria cannot apply to this company drives.
For every position, the salary will be different. Moreover, the officials of the recruitment team will decide the pay scale of the candidate based on the performance in the Selection Process. Salary is a very confidential issue. But according to the information we have received the freshers can receive the salary of 2.4 to 3 lakhs per annum.
Aspirants who are going to apply for the Deloitte Recruitment 2018-2019 can check the below given steps while applying. Therefore, to help the candidates we are providing the step by step process in a detailed manner.
First, move to the official website of Deloitte that is www2.deloitte.com.
Search for the "Career" tab and click on it.
A drop-down menu appears on the screen, now click on the "Job Search" tab.
On the page, the current openings in the Deloitte appear on the screen.
Choose the suitable category according to your educational background.
Click on the requisition title according to the location which will redirect you to another page with full of the position details.
Refer once and simply press the "Apply Online" tab.
Fill the columns with the required details and submit the application form.
At last, take a print for the future use.
The candidates who are hunting for the clear details about the Deloitte Recruitment 2018-2019 refer this page completely. Keep visiting our website Freshers Now for latest updates. Contenders can also check the other company recruitments, placement papers, syllabus from our website.


I recently had the chance to interview John Ulzheimer about some of the insights his experiences with the credit industry have given him relating to folk's behavior when it comes to credit and debt.
John is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a Contributor for the National Foundation for Credit Counseling. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry.
JACKIE: You're a credit expert from the credit industry itself. What insight has that experience given you into how consumers use (and misuse) credit?
JOHN: I think the most important thing my experience has taught me is to interpret a consumer's credit management actions from a credit reporting, credit scoring and lender's perspective. Most consumers don't think that way and they don't realize that almost all of their actions are measured, scored and reported. And, that there are rewards for using credit and using it properly and that there are penalties, long lasting penalties, when they abuse it.
JACKIE: What insight has it given you into people's reasons for wanting to become debt free?
JOHN: It has taught me that people have become unnecessarily obsessed with being debt free. Being debt free means no mortgage, no auto loans, no student loans, and no credit card debt. That's not realistic and it's not healthy to pay cash for everything because liquidity has value as well. Living credit card debt free is the real goal since carrying that kind of expensive debt has no value to the debtor.
JACKIE: Interesting. I guess my definition of debt free technically wouldn't truly be debt free then, because to me it means not having a mortgage, student loans, car loans, you-name-it loans, and not carrying credit card debt. I still intend to use credit cards after having our mortgage paid off, but will continue to pay them in full each month. I guess that is still a loan though.
JACKIE: How do you interpret paying cash for everything as not having liquidity?
JOHN: It's simple math. If you write a $30,000 check for a car rather than financing it at 5% (or 0% for some models if your credit is good enough) then you no longer enjoy the liquidity of having that $30,000 to do other things like investing. If you're so wealthy that paying cash for all of your major purchases still leaves you sufficiently liquid then you're atypical and things like "credit and debt" are much less meaningful to you.
JACKIE: It's pretty common for people to start out with the idea that they'll only use a credit card for emergencies, and then end up deeply in debt before they know it. What would you say to someone who is just starting out with credit that might help prevent that from happening? It seems like oftentimes the good intentions are there, but the follow through is lacking.
JOHN: Good question. The reason some consumers are such poor managers of credit cards is that nobody has taught them how to manage it otherwise. There is no class at any school at any level of education designed to teach their students how to function properly in the credit environment. Because of that consumers tend to learn about how bad poor credit management can be the hard way…by living it. The most effective way I know how to teach someone the downside to abusing credit cards is to explain how collectors and collection attorneys can ruin your life. The room always gets really quiet when I talk about that to my students.
JACKIE: Could you give an example of how they can do so?
JOHN: A debt collector can turn one defaulted debt into multiple credit reporting events. Example, say you default on a $5,000 credit card and the bank sells it to a debt buyer/collector. They will report it to the credit bureaus. Now it's showing up twice (original default and new collection). Then, if you ignore them long enough they'll likely sue you, which you'll probably either ignore or lose. That means you'll have a new judgment, which can be reported on your credit files. Now it's showing up 3 times. Same debt…3 credit entries. It can get worse if the collector sells the debt to another collection, who then reports it again to the credit bureaus. Add to this the daily calls you're getting from the collectors and the possibility that your wages will be garnished after the judgment has been rendered, it's not a fun way to exist.
JACKIE: Thanks John, for the interesting discussion. It sounds like there are a lot of things related to the credit industry that most people don't give a lot of thought to. And I sure never want to get another call from a collector — once was enough for me!


An online survey of the use and effectiveness of the framework of 2010 biodiversity indicators was conducted jointly with UNEP-WCMC. The survey was open until 30 April 2009.
The Conference of the Parties (COP) agreed on a provisional list of global headline indicators, to assess progress at the global level towards the 2010 target (decision VII/30), and to effectively communicate trends in biodiversity related to the three objectives of the Convention.
The second edition of Global Biodiversity Outlook makes use of the indicators and provides a clear presentation of the trends of biodiversity loss.
In decision VII/30 the COP established a process for testing and developing the indicators, with inputs from SBSTTA, the ad hoc Working Groups on ABS and Article 8(j), and an AHTEG on indicators for assessing progress towards the 2010 biodiversity target. The work of the AHTEG (Montreal, 19 - 22 October 2004) was prepared by an electronic discussion forum in which a series of task forces commented on possible indicators and lead organziations. The AHTEG meeting was preceded by a Liaison Group meeting (Montreal, 18 October 2004) in which representatives of possible lead organizations on individual indicators discussed strategies for supporting the process. The organizations are now members of the 2010 Biodiversity Indicators Partnership, established at the initiative of UNEP-WCMC and with funding from the GEF.


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Matsumoto-san and family still produce tea on the Makinohara plateau where their ancestors began, about seventy years ago during the Edo period. Their innovative use of various wood smokes have won them a number of awards overseas, most recently at the 2018 Concours de The Japonais in Paris.
They continue to this day to use the traditional chagusaba, or tea-grass farming method, to nourish the soil and grow superior tea plants. Chagusaba, a UN recognized agricultural system, are semi-natural grasslands, interspersed between tea fields, that help maintain biodiversity and endangered habitats.