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Home Trending Now The Flying Elephant – A Modern Take On Kerala !
The Flying Elephant – A Modern Take On Kerala !
Theresa Joseph George talks of her brand, Viakerala that's taking Kerala places!
From lush green fields, beautiful backwaters to exotic spices, God's Own country is unique, rich and vibrant in its resources. Quite naturally, its pulsating beauty reverberates into its traditions, culture and language as well. Viakerala celebrates its roots through its products that are reminiscent of Kerala's typography and rich heritage. RITZ is in conversation with the mastermind behind the brand that is taking Kerala across the globe, Theresa Joseph George!
Text By Riya Sonny Datson
What inspired you to start Viakerala?
I have been working in Kerala for 15 years now and I noticed was that tourists or friends from abroad have a 'Bollywood' inspired perception of India. But down south, I don't think Bollywood has so much of an influence, at least not until recently. Being a graphic designer with a specialisation in typography, my work deals with identity design. So I felt there was a vacuum, a space for this kind of expression, an identity that we could relate to in our everyday life and not just for festivals. I started to question my own identity or roots and that's when the idea of setting up a brand was born. Viakerala is a modern take on what already exists as Kerala's identity through a range of products that tells our story.
Having been outside of Kerala during your childhood, how acquainted are you with the language?
I'm from Kochi but I did most of my schooling in Yercaud. I remember coming to Kerala only during vacations, so I lost touch with the language but the nostalgia always remained. While traveling, the one thing I distinctly remember is that, the minute you cross the border, you immediately know that you have entered Kerala – not just because of the greenery or the landscape but also because of the visual impact, the curvy typography of the Malayalam language which is on every wall or building. I feel, being a literate state, everyone uses the language and script to communicate – be it political propaganda, movie and product promotions, the language is everywhere! It has very much become a part of our identity and day to day living. After returning to Kochi and settling here, I have revisited this notion of Kerala
through its visual impact.
What is your brand philosophy?
Even before we started as a physical entity, we had decided that any product, by default, has to be inspired by Kerala, it will be from here and made here – the process should have 'Kerala' in it. And that's exactly what you find in our product range. Majority of our products are made locally, except T-shirts because we don't have such a unit here. But the message on the T-Shirt would reflect a 'Kerala' idea. Using the Malayalam letter form as the design element in the entire product range is something new and what I have found is that once people see our product, they never forget us because it is so unique
There is a strong social responsibility element in your brand…
Yes, like the name suggests, Viakerala products are 'via' Kerala. We get the stationary printed locally and bound by smaller vendors here. Bags and toys are all hand stitched by self-help groups of women. We train them and supply the raw materials. They give us the products at a service charge. So we are imparting a skill and empowering them financially too.
Which are the popular products?
The most popular products would be the three dimensional Malayalam letters, toys – specially the stuffed elephant, jute bags, T shirts that have the writing of 'Kerala Kutty' on it. 'Kutty' is a word that is used very commonly here. If you are a Malayali, at some point or the other, you would have either been addressed as one or would have come across the word as a part of someone else's name. I think it's a great word to describe the identity of a Malayalee! We also have stationary, handloom bags, jewellery, posters, toys and ceramic products.
Price range: Starting from Rs. 100 upto 3000.
Your logo has a Flying Elephant…
The Elephant is again an indispensable symbol of Kerala and we find it in most of our Government emblems or signage. As Malayalis, we would have seen theelephant atleast once if not more in our lifetime as it's so much a part of our environment. On the same lines, we have tried to create a brand that is not anything new, it is very close to our heart and identity – just that it has taken wings! A new or contemporary perspective to what already exists.
You also spearheaded the 'Malayalam project' in collaboration with the 2014 Biennale.
The Malayalam project is a collaborative forum with my design firm, Thought factory, which is a design consultancy for commercial brands. For the project, we teamed up with our network of artists, film makers and designers who are practicing in Kerala. The thought behind the project was that our social conditioning has been influenced by Malayalam literature or poetry which has been handed down for generations. So we took ideas from literature that dated back to a 100 years and each artist interpreted it visually through posters or canvases that were specific to the Kerala scenario. Essentially, we tried to bring in different perspectives in the same thread.
Getting skilled manpower, be it designers or workmanship is a challenge. Keeping up with the philosophy of making every product here is not an easy choice either. It is very difficult to ensure that we get a timely delivery of the products. As it's handmade, there are quality issues, which leads to a lot of rejects. The strikes and hartals also add to our woes. When we are giving orders to an individual or a self-help group, there are unpredictable delays. The only way out is to keep ourselves and the team motivated. But that is also our strength as I feel, in the long run, it is very fulfilling for us and for the smaller enterprises to work hand in hand.
Do you have an online presence?
www.viakerala.com. Apart from that, our flagship store is in Lilly Street, Fort Kochi. We also have stores in Mattanchery and Thekkady and have sales from the studio in Girinagar, Kochi.
What is in store for 2018?
Expanding our product range to other stores as well as making our onlinepresence stronger. We have new handcrafted products that we develop with existing designers and keep them at stores. The next edition of the Malayalam project is also in the pipeline, we plan to take it to other cities like Mumbai and Chennai in the second half of 2018.
Flying Elephant
kerala kutty
The Flying Elephant - A Modern Take On Kerala !
Theresa Joseph George!
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Six people were injured when multiple vehicles were involved in crashes near exit 7 on Interstate 24 and traffic in both directions was at a standstill for about 90 minutes afterwards. The suspect was arrested after a pursuit into the next county. Paducah Police say they are still gathering information, but initial reports show a Waste Path garbage truck was going the wrong way on the westbound lanes of the Interstate about 12:45 pm. Several vehicles were struck and the driver fled the scene before crossing the median and continuing east in the correct lane of travel.


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Another series of challenges for the EU
Published on 22 February 2011 14:37 , Adelina Marini, Sofia
The West Should Be Identifying the Democratic Alternatives in the Middle East
The Russian-Chinese Veto on Syria: a Rehearsal for Making the UN Pointless
Arab Revolutions: Accomplishments and Effects
A country like Bulgaria probably finds it hard to imagine what a big problem could illegal immigrants be, for the simple reason that it has never been an object of aspirations for the people outside the European Union, aiming for better life, freedom and respect of personality. By the way, it is not only Bulgaria that finds that difficult - many EU member states, situated inside the Union and are far from the refugees and illegal immigrants entry points, were also until recently not quite sympathetic to the concerns of countries like Greece, Italy, Spain and Portugal. However now the problem gains new force because it is expected the flows of unwanted and undereducated people to increase several times because of the unrest in North Africa and the Middle East.
The big test for the European structure
The first signals of negative consequences of the otherwise welcomed processes of democratisation in the Southern Mediterranean and the Middle East are now available in Italy - over 5,000 Tunisian illegal immigrants, in just a week, arrived at the shores of the Lampedusa island. According to the existing laws they have to remain where they are until their destiny is decided. Italy's stem come from another address - Libya, where the unrest continues to grow with every single day, although the chances of success, as was in Tunisia or Egypt, seem significantly less. But, notwithstanding the agreement which Italy achieved with Libyan leader Muammar al-Gaddafi on the restriction of the flow of illegal immigrants for Europe, the protests could prove a factor in increasing their numbers.
All this is happening in a not very pleasant for the EU moment when the fate of the euro area is being decided, when all member states have budgetary problems and wonder how to cut spending, where there is high unemployment and, to put it more generally - there is a huge pressure over public finances.
It is no accident that in precisely this moment Italian Foreign Minister Franco Frattini, a former EU commissioner for internal affairs and justice, came out with a specific proposal. In an article for the Financial Times Mr Frattini proposes the creation of a Stability and Development Pact for the Mediterranean for the countries of the Union for the Mediterranean, as well as a Marshall Plan for these countries.
"The Mediterranean poses dramatic new challenges for European security. Events in Libya may add a fresh wave of refugees to the 5,000 Tunisian migrants who have landed on the coast of Sicily this week alone. Human traffickers, criminals and terrorists stand ready to exploit chaos stemming from the collapse of the old order. Europe must act quickly, or this "arc of crisis" will lead to more illegal immigration, terrorism and Islamic radicalism".
According to the Italian top diplomat what the EU can do, without interfering in the democratic processes in Tunisia, Egypt and other countries, is to rely on three pillars: significant (and visible) financial assistance; political partnership; social inclusion. He adds that the Pact could be developed on the basis of stimulating economic growth in these countries which can happen through improving the European Neighbourhood Policy. The resources for this could come from increasing the future budgets of the EU, which as an idea comes quite on time before the peak of the negotiations on the future multiannual financial framework of the EU for the period 2014-2020 (if this period is decided to remain 7 years).
The existing resources which are nearly several billion by the end of the current financial framework, to be better allocated to programmes that could boost growth and create new jobs. For Egypt, Mr Frattini ponders, this could be tourism as it remains a major source of revenue and jobs.
Obviously, knowing that the EU cannot handle any development policies for the region, Franco Frattini proposes the World Bank and the IMF to get involved in the urgent development of an equivalent to the Marshal Plan for the Mediterranean economic stability. This plan, Frattini writes, must mobilise a critical mass of new European and international financial resources, something in the range of billions of euro, for the modernisation of the economies in the region and to improve investments. Removing of trade barriers between Mediterranean countries should also be a priority. And last but not least, the EU should work together with the United States, the Italian Foreign Minister recommends.
As the EU was spending until recently a lot of money to improve the situation of the countries in the South Mediterranean, but obviously without great success, the Italian top diplomat offers all of the above to be made available under a condition - to include the commitments of each country to improve governance, to implement all their international obligations and to protect human rights, including those of women and of religious minorities. "Change in the Mediterranean is a test for Europe. But it is also an opportunity for European and Mediterranean countries to work together in the interests of all", Franco Frattini ends his article.
Internal vs external borders
The situation gets complicated further by the problems in the European Union itself 20 years after similar uprisings in the Eastern periphery of the Union. This is well outlined by Hugo Brady, a senior researcher with the Centre for European Reform in London, in the blog of the think tank. The problem, he says, is that the initial concept of creating a common zone of freedom and security, without borders, with a common policy towards refugees and immigrants, with the cooperation between police and judicial systems, simply did not work. But the immigration issue in many countries, as well as the deepening differences between governments and European institutions outline the flaws in the joint structure.
It should not be a surprise that Hugo Brady too points the Dutch as major initiators of the debate for a change, from where recently came the call for a renegotiation of the free movement directive. At first sight, the author writes, the Dutch proposal does not seem that outrageous, which is to amend the directive so that it could allow governments to deport EU citizens with criminal files to their home country. The problem, though, as he puts it, is that if opened this directive would spark a plethora of demands from France, Italy and Great Britain to restrict free movement in other ways. It is enough only to recall the case from last year with the deportation from France of Roma from Bulgaria and Romania and the danger of splitting the Union between east and west and even north and south is increasingly growing.
The Bulgarian contribution
And here comes Bulgaria, caught in an awkward situation. Against the backdrop of the problems of Greece on its border with Turkey where currently a temporary Frontex mission is working (the European border agency), as well as the calls of Italy for similar assistance in order to tackle the flow of immigrants from Tunisia, it is not impossible, Mr Brady writes, a European border guard to be established, which might catch a lot of EU countries by surprise. "Meanwhile, Bulgaria and Romania are adamant that they should join the Schengen area this year. For example, the Romanian port of Constanta risks becoming a Baltimore-on-the-Black Sea if traffickers and smugglers operating in the region can access the Schengen area there under current conditions: organised crime and corruption are commonplace.
Moreover, Schengen entry is probably the last piece of leverage the EU has left to encourage both countries to cleanse corruption, reform their judiciaries and step up the fight against serious crime, as they solemnly promised to do in 2007. To argue that these issues are irrelevant to the maintenance of a common border is to dwell on niceties: they are all inherently linked to the rule of law", Hugo Brady says in the plain text for those who still don't get it.
The analyst points several other problems, which the EU is having right now with its common policies, or more precisely - with their compromiseness with national sovereignties, but the general feeling from his text is that the day is not very far when the countries with solid democracies, with rule of law (meaning that no one is above the law, no matter of his position), with tight fiscal policy and a wish for work and production of competitive products and services, will separate entirely.
What does Bulgaria think on the issue?
Bulgaria, unfortunately, still does not realise the scale of the disaster, buried under interpersonal, inter-party and inter-who-knows-what-more battles, with inadequate media and a sleeping society. And this is something that is seen in the entire European Union. Because Turkey does not have a problem with its borders, but Greece and Bulgaria definitely do. And now this is going to be a real test for Bulgaria's borders because with any continuation of the uprisings in the broader Middle East it is not to be excluded that the flow of illegal immigrants through Bulgarian borders could increase.
This is why euinside asked the spokesperson of the Ministry of Foreign Affairs whether Bulgaria was aware of Italy's proposal and whether there was a tendency of going toward a common approach regarding illegal immigrants. Ms Vessela Tcherneva replied that Italy introduced its ideas to its partners, expressed by Franco Frattini, and added that this was just one of many ideas being discussed in the Foreign Affairs Council.
Regarding the common approach Vessela Tcherneva said: "The issue of illegal immigration is just one part of the issues in the Middle East and I would really not want this to turn into a focus of our political talking and of our attitudes towards the region. [...] Regarding specifically to the illegal immigration issue, Italy and other countries discuss this issue very actively. We follow with great attention, obviously also in the context of Bulgaria's candidacy for membership in Schengen. Reacting on this issue is a matter of a European debate which Bulgaria hopes to take part in soon, as a member of Schengen".
However, it is not enough Bulgaria to hope and especially significant for this are European Commission's reports under the Cooperation and Verification Mechanism, as well as the problems with the demand of several EU member states Romania's and Bulgaria's membership to be postponed indefinitely (actually the period is defined - until both countries realise what is required from them to do and finally do it). It is these reports that governments in a row read just like the Devil reads the Gospel.
And it is a pity that Bulgaria will take part in the debate about EU's common security only when it becomes a member of Schengen, if and when this would happen. It is indeed a pity that after 20 years of possibilities and opportunities, but ultimately spent in doing nothing, we will again stand in front of Europe's door - with those whom we strove for turning their backs on us, as us being a hopeless case, and facing those who 20 years after us are heading the same way. Well, it would be comforting to know that our failure could be used as a precious lesson for those after us.
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SYNONYM

#### According to
The Catalogue of Life, 3rd January 2011

#### Published in
Nov. sist. Niz. Rast. 37: 182 (2004)

#### Original name
Schizophyllum commune Fr., 1815

### Remarks
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The Gavilan College Financial Aid & Scholarships department is here to help you find ways to pay for college tuition and related expenses. There are many types of Financial Aid available. Depending on your income and other factors, you may qualify for federal or state grants, tuition waivers, work-study jobs, or educational loans. There are also many different scholarships, which are not usually dependent on financial need.
Apply today to find out what assistance is available for you!
Textbook Grants for Spring 2019!
Students must present a picture I.D. when asking questions and submitting documentation to our office. Student must be present to submit documentation. Please be advised, we will not be able to accept documents delivered to the financial aid office on behalf of the student.
1) If you are a dependent student, you must accompany your parent when dropping off copies of their tax information to complete your FAFSA requirements.
2) We will not accept a BOG Fee Waiver Application dropped off by a sibling or friend on your behalf.
Acceptable forms of identification include: California driver's license, California ID, Gavilan ASGC card, high school ID, passport, even a Costco card! As long as your ID has your picture on it, we will accept it.
To submit any financial aid documents, bring in person or mail to Gavilan College, Financial Aid Office, 5055 Santa Teresa Blvd, Gilroy CA 95020.
If you have any questions, please contact the financial aid office at (408) 848-4727.
The Student Aid Report will be sent to you once your FAFSA is processed.
Gavilan College receives FAFSA data (only if school was listed) from the U.S. Department of Education. A Fee Waiver may be awarded, if you qualify.
Gavilan College will send a letter requesting any additional documents. If it appears you are not eligible for a PELL grant, you will be sent a denial letter.
Return all required forms to the Financial Aid office in a timely manner. Your file will be reviewed, any discrepancies will be resolved, and your eligibility will be determined.
If you are eligible for Financial Aid, you will receive an award letter. Grant checks will be sent shortly after award letters.
Browse the list of current Gavilan College scholarships and see if there are any you might be eligible for.
Complete the scholarship application(s) by the stated due date. Note: you can apply for several different scholarships with one Common Scholarship Application. Other scholarships may have their own separate application forms.
If you are selected as a Scholarship winner, you will generally receive instructions from the organization. Sometimes a check will be mailed to you. Other times, the scholarship funds may be paid directly to the college.
Come to the Welcome Center (located in the same Student Center building as Admissions & Records) to get personal assistance from Gavilan student mentors. They can help you apply for admission, complete your financial aid forms, register for classes, find classrooms, and more! No appointment is required.


This modern, breathtaking 5 bedroom villa was built in 2015. It is truly a masterpiece of modern architecture with a very privileged position on top of a hill in Nueva Andalucia, only minutes away from Puerto Banus and enjoying viewsover the valley below and panoramic views to the Sea and the mountain.
The house has a total built area of 1030m2 and one of the many high points of this property is without a doubt the huge terrace with the infinity swimming pool an outdoor Japanese style hot tub, a bar and lounge area. The house comprises of 3 guest rooms one en suite, 1 library, 1 independent guest apartment, and a large master suite with unbeatable panoramic views.


December 2, 2016 Published ~ 2 years ago.
November 23, 2016 Published ~ 2 years ago.
FHA loans aren't issued by the agency itself. Instead, the FHA provides mortgage insurance on loans made by FHA-approved lenders. This insurance protects the lender in the event the borrower runs into payment difficulties and makes it easier for the lender to approve a loan.
While some people wait until they've saved enough to make a large down payment, you can apply for an FHA loan with just 3.5 percent of the home's purchase price. Buying now with a smaller down payment enables you to start building equity in a home sooner, which can give you a stronger financial base.
Your overall pattern of dealing with credit responsibilities is the biggest factor in securing any mortgage. While it's always good to know your credit score and to do everything you can to keep it strong, the more generous terms of an FHA loan allow you to apply even if your score is less than perfect.
Taking on a mortgage is a big step. We encourage you to speak with your Loan Officer to see if you're financially ready and able to step into homeownership with the help of an FHA mortgage.
November 15, 2016 Published ~ 2 years ago.
Coming up with enough for a down payment doesn't have to be a reason to delay the purchase of a home. With over 2,200 down payment assistance programs available across the country—all with the intent of making homeownership more affordable to more buyers—you may be much closer than you think to making a purchase.
In fact, high-priced areas like Los Angeles, Miami, Denver, and New York City offer the most assistance. According to a joint study conducted by Realtor.com and Down Payment Resource titled, "10 Priciest Metros Where Buyers Can Score the Most Down Payment Help," the average assistance can range from just over $12,000 to $40,000 in some areas.
That help can come in a variety of forms and, if you qualify for multiple programs, it can also be layered for greater affordability. These programs may include nonrepayable grants, forgivable loans, mortgage credit certificates of up to $2,000 in annual tax credits, deferred loans (often without interest), and low down payment mortgages.
While most of the programs are intended for first time buyers, many are also available to experienced homeowners. Typically, there are income and sales price limits, but these can be generous, depending on the program's underlying incentive. Often, a needs-based criteria is a factor in order to help lower income families make the move to private ownership. However, this is not always the case. Among the audiences most targeted by these programs are law enforcement and municipal employees, health care workers (including nurses), teachers, firefighters, anyone with a military background, and disabled individuals.
As you start to think about homeownership, it is a good idea to look into the programs that serve your area. Check with your state's financing authority, then research the availability of other programs that may benefit your profession and the neighborhoods you are considering.
Your Real Estate Agent and Loan Officer are also good resources. Different lenders are involved in a variety of community initiatives, and most offer access to loans with low down payment options. These include Federal Housing Administration mortgages (which have 3.5% minimum down payment requirements), Fannie Mae's new Conventional 97% mortgage, and Freddie Mac's Home Possible mortgage. If you are a veteran, the U.S. Department of Veterans Affairs offers mortgages with no down payment requirement. Similarly, U.S. Department of Agriculture mortgages also offer a zero down payment option.
While having a down payment enables you to have equity in your home from the start, purchasing it with the help of a down payment assistance program can let you start building equity faster and in a more affordable way. With so much money available, it doesn't hurt to see if you qualify to claim some for yourself.
November 7, 2016 Published ~ 2 years ago.
Moving into a new home is one of life's most exciting, unforgettable events. However, once the excitement fades, the maintenance begins.
Is that a bad thing? Not at all. In fact, some of the most unspectacular, mundane aspects of homeownership can lead to solid, long-term cost savings over time. Better yet, they help protect your home's resale value and make it even cozier and more comfortable in the process.
#1 Energy efficiency can heat up your savings.
Buying attic insulation isn't quite as satisfying as purchasing a new chandelier, but it can actually rack up some impressive savings in the long run. In colder climates, for example, upgrading your attic insulation from R-11 to R-49 can help you can save as much as $600 annually, which is enough to pay for a new chandelier.
#2 Out of sight, out of mind—but not out of pocket.
Cleaning and properly installing air filters is more than a to-do. These simple, easily forgotten components are essential to the efficient and cost-effective operation of your home's major appliances, such as furnaces, air conditioners, and built-in humidifiers. Compare the cost of replacing filters with that of a repair or major cleaning by a qualified technician and you will see the dollars and sense to regular replacement.
#3 Losing money one drop at a time.
Sometimes, it's the "hidden" problems that end up costing the most. Dripping faucets or water lines under sinks can drain your pocketbook in the form of higher water bills. In fact, 10 gallons per day, on average, may be lost to leaks. Another step to consider is installing low-volume toilets that limit the amount of water used to flush—an upgrade that can sharply reduce the 20 gallons of water flushed away per day.
Believe it or not, when it comes time to sell your home, you will find the little things do matter. Not only will you have enjoyed a more comfortable home, but you will also find that potential homebuyers value well-maintained homes…literally.
What's not exciting about that?
November 2, 2016 Published ~ 2 years ago.
Whether you're considering a new career opportunity, desire to be closer to family, or have always wanted to live in a particular city, buying a home out of state is a big move. It may seem like a daunting task at first, but with proper planning and preparation, you'll soon discover that by taking the right steps, you can simplify the process and turn an overwhelming transition into a well-thought-out, feasible relocation.
First things first, if you plan to finance the home, it's important to get preapproved for a mortgage so you know your budget on the front end. It's always advised to obtain a preapproval before making major life changes like switching jobs. Keep in mind though, if you get preapproved while living and working in one state and then relocate, your lender will typically request to see proof of income in your new state. Therefore, it's important to find out from your lender the specific paperwork you'll have to provide in order to adequately verify your upcoming employment. Without reliable income where you're moving, it becomes more challenging to secure a loan and may result in a higher down payment and a higher interest rate.
Once you're preapproved, now you know your price range and can start researching your new city. As an out of state buyer, it's always a great resource to talk to friends, family, or future co-workers about neighborhoods that have good schools, low crime rates, or are nicely situated to the new job and shopping centers. If you don't have any good contacts in the area, researching online is going to prove invaluable. You can use websites like city-data.com, streetadvisor.com or neighborhoodscout.com to check out an area. Remember, the more research you do, the more confident you're going to feel about your new purchase.
Even though you can do a lot of independent research, working with the right real estate professional will make a big difference. A good buyer's agent is usually a good neighborhood specialist. The agent will be able to tell you which areas are prime, which areas should be avoided, and provide other helpful information such as maps and school data. Not to mention, a good buyer's agent will be able to send you new homes from the MLS. Usually a good buyer's agent comes from referrals, but you can also find one online using a reputable real estate website and then conducting phone interviews with your short list of agents in order to make a final decision.
Before deciding on a home, plan time for a house-hunting trip. Once you have a date locked in, immediately notify your agent so he or she can have an itinerary prepared, which maximizes your time in town. If your top choices don't work out, don't worry. A good agent can typically find new options on short notice. You can spend time by day viewing new homes, and by night exploring the area using helpful apps such as Like a Local or Lonely Planet Guide. If it's impossible to visit before making a purchase, you can also do a real-time virtual tour using technology such as Google Hangouts to make sure the house matches online photos and videos.
After you find your dream home, it's important to find good local help to seal the deal. It's always wise to have an exceptional inspector check it out before putting down any funds. A good inspector will be able to uncover any potential problems like structural damage. Additionally, real estate laws vary by state, so securing a local attorney before making a purchase can save time and money. You can even discuss with the attorney how you can close without traveling back in state. Once again, a good agent can point you in the right direction with finding a good closing team.
While the goal may be to find an out of state home in the most timely, cost-effective way, remember it's a major investment that you don't want to cut corners with or rush through without due diligence.
October 28, 2016 Published ~ 2 years ago.
October 26, 2016 Published ~ 2 years ago.
Once you've obtained a preapproval or mortgage commitment letter, typically the lender approves your loan application based on conditions, which means you have to satisfy certain requirements before your loan is fully approved. Usually, those conditions fall into two categories: "prior to documents" conditions and "prior to funding" conditions. These conditions may be standard or specific to your loan type. Either way, in order to continue on the path to final loan approval, you'll have to comply with all of the loan conditions.
The "prior to documents" condition refers to the standards you have to meet before the lender will issue your loan documents. Since the Underwriter reviews your application to verify its accuracy and to make sure you qualify for the loan, the underwriting department will typically require you to provide supporting documents. For instance, the Underwriter may request that you supply a certified copy of your child support agreement to prove you're entitled to a specific monthly income, proof you paid off an auto loan or credit card to decrease your debt-to-income ratio, or explanation of a sizeable banking transaction. While these are specific to a borrower's financial situation, there are other conditions that are more standard across the board such as employment verification, an appraisal that exceeds the value of the home, or proof of mortgage insurance. Meeting these conditions is the first of two important steps you have to complete in order to turn your conditionally approved loan into a fully funded loan because an Underwriter will not order loan documents until all of the required loan conditions are satisfied.
Typically before the lender releases funds to the escrow company, there are another set of documents the borrower has to provide the lender. Most of the "prior to funding" conditions are usually easy for the borrower to meet and at times will deal with procedural matters that the escrow or Loan Officer will handle such as the Closing Disclosure form. However, bear in mind that most lenders typically still check your credit score and other financial documents prior to closing. Therefore, it's important to make sure you save all of your new pay stubs and banking statements as you may be required to produce those documents. Also, for borrowers who are already homeowners, the lender usually requires proof that your current home has sold before they will fund a new loan.
Once the Underwriter approves your paperwork, the Loan Officer will order your loan documents and deliver them to the escrow officer, who will compile them into their final form with pertinent information such as payoff amount, taxes, and prepaid interest. After the final loan documents are prepared, there will be a date set for closing your loan. It is important to remember that even though you sign your home loan, everything isn't necessarily final. You should verify with your closing agent that there aren't any outstanding conditions that still haven't been addressed. To avoid any last-minute changes, determine exactly what documentation is needed, the date it must be submitted, and how it should be submitted. Otherwise, it's possible for a loan approval to expire, while conditions are waiting to be fulfilled.
October 14, 2016 Published ~ 3 years ago.
Really, this time the government means it! The Home Affordable Refinance Program® (better known as HARP) will now end Sept. 30, 2017. It had been scheduled to expire, along with all the flashing Internet ads harping on its attractiveness at year end. The program has already earned a number of extensions, but it will be replaced—for real this time—on Oct. 1, 2017, by a new and permanent refinancing program.
If you are among the more than 300,000 homeowners who still qualify for HARP refinancing, you could be paying more for your home's current mortgage then you need to. Interest rates are much lower today than when HARP-eligible mortgages were made. So, refinancing under HARP typically results in a lower monthly payment depending on the term of the new mortgage.
The program is also very understanding of any changes that may have occurred in your financial circumstances since your mortgage was made. For instance, if your household salary has declined since you took out your current mortgage, your credit rating has dropped, or you've had a bankruptcy, refinancing under HARP is still an option that could lower your monthly payments, making it easier to stay in your home.
The terms of the loan can also be changed to your advantage. If you are currently in an adjustable-rate product, you can take advantage of today's low rates to lock into a fixed-rate mortgage before interest rates rise again. You also have the option of changing the maturity of your loan from 30 years to 15 years so you may be able to pay off your home sooner. You can also choose to lengthen the loan, if lower monthly payments would be of benefit in the near term.
The HARP program is both good for homeowners and true. Better yet, since the program was introduced, it has become easier to qualify for HARP. Even if you looked into HARP several years ago, it pays to check your qualifications again.
Your Loan Officer can verify whether or not you qualify and also run comparison numbers to help determine what your savings will be over the life of a new HARP mortgage. They can also make sure there aren't any other programs available that may be even more beneficial given your current circumstances.
If you're like most people, you bought your home to realize a dream and to build equity in something that is your own. If homeownership hasn't quite delivered on your expectations so far, HARP may help you get that dream back on track.
October 5, 2016 Published ~ 3 years ago.
Prep your finances for scrutiny. Just like you do before you invite company over, clean, straighten, and fluff up whatever you can, financially speaking. Specifically, review your credit report before the lender does to ensure it's accurate. This is something you can do for free through the Federal Trade Commission. Make sure you are current for at least the past six months on any outstanding debt.
Friends don't let friends look alone. Looking for a home is like dating. Sometimes you just talk yourself into a relationship because you really want to be in one or just want someone to hang out with. Your friends and family keep you from making a mistake in those situations, and they will be just as honest if you bring them along when house hunting.
Be realistic. Don't try to force a purchase or take on more than you can handle. As attractive as tackling a fixer-upper is, it can be overwhelming when you are working full-time and on your own covering the unexpected expenses that typically ensue. To reduce the surprises in general—whether the home is old and in need of repair or brand new—try to have a home inspection as early as possible. During the inspection, ask as many questions of the expert you hire as you can to understand the types of problems you may be inheriting. It's also a good policy to ask the seller for a warranty. That way if something does happen—the washing machine breaks down or the furnace goes on the fritz within months of closing—you have some financial protection.
Think ahead. Consider how your life's circumstances could change and try to buy something that can accommodate them. For instance, if there is a chance you might need to move for work in a few years, pay close attention to the factors that impact the future resale value, such as available parking, schools, and transportation.
Ultimately, be patient. The thing about home buying is that you'll know when you find the right house. It's the one that feels like you've just come home when you walk through the door.


Planning a bridal or baby shower? Serve these dainty, lemony bite-size treats with crushed Golden OREO cookie balls as the creamy, delicious filling.
40 white nonpareils about 1/2 tsp.
To easily coat cookie balls with the melted chocolate, add balls, in batches, to a bowl of melted chocolate. Use 2 forks to roll balls in chocolate until evenly coated. Remove balls with forks, letting excess chocolate drip back into the bowl. Place balls in prepared pan; let stand until chocolate coating is firm.
Store in tightly covered container in a refrigerator.
Step 1: Mix cream cheese and cookie crumbs until blended.
Step 2: Shape into 48 (1-inch) balls. Freeze 10 min. Dip balls in melted chocolate; place in single layer in shallow waxed paper-lined pan.
Step 3: Refrigerate 1 hour or until firm. Keep refrigerated.
One of the best reasons ever to crush your Oreo cookies. So rich and creamy, they're also the best reason ever to hang out by the dessert table.


text:
A Hero Essay To Reflect On Modern Day Heroes
A hero essay gives you the opportunity to write on heroes who you believe have made the world a better place to live in. The definition of a hero may vary according to the qualities you see in him or her. Some would find a master tactician a hero, while others may see the lead player of a movie as one. The real heroes are the ones that make a positive difference in our lives, who inspires us on writing courseworks. What they do affect us in a way that we look up to them as a role model. There are many modern day heroes we could speak about. Let us go through a few names that people would love to emulate.
Heroes have this uncanny habit of being at the right place at the right time. When we go to the movies, we are actually looking forward to the hero performing daring acts defying gravity. They always seem to appear larger than life. Modern-day heroes may look different, but have the same spirit of adventure of ancient heroes. Children can identify themselves with Superman and Batman. The children seek out heroes that demonstrate qualities that are supernatural. They love to let their imagination run wild even if they do understand that these are fictional heroes they love.
In a very queer way, Johnny Depp of "Pirates of the Caribbean" has found a place in the hearts of many, young and old. Purely fictional, the power he has and the acts he performs, though everything seems quite comical, are acts every individual would dream of being able to emulate. Harry Potter is a hero of nearly every modern-day child and teenager. They do mind the witches, sorcerers, giants, and weird characters that seem to pop up from the imagination of the author right out of the novel.
Many countries still love and encourage parliamentary democracy under kings and queens. One such hero in the sight of the Spanish people is King Juan Carlos I. Crowned King in 1975 after the death of a dictator, he was brought to power after 38 years under dictatorship. You could write descriptive essays on King Juan Carlos 1. The people love him. In the course of 18 years as king, he has renewed and nurtured cultured ties with Latin American and other Spanish speaking countries. A keen sportsman with interests in skiing and sailing, the King has greatly encouraged the Olympic movement.
Going back a bit further, maybe referring to a history coursework, you could write about Winston Churchill, a national hero. Many people in Britain feel they owe Winston Churchill a great debt of gratitude. He was instrumental in deferring the fascist forces of Germany during World War II. Adolf Hitler threatened to overrun Europe with military force but was stopped by Britain which formed a last outpost under Churchill's leadership. You could write and proofread a good essay on the feats achieved during World War II.
David Beckham is a hero to many people worldwide for his achievements in soccer and the world of fashion. People follow sports and fashion through the medium of television. What David has achieved in the field for his club and country has made him a hero not just in Britain but in the eyes of many around the world. His exploits in the world of fashion and advertisement has made him a cult figure.
Essay writers have written several sample dissertations on the role of modern day heroes. You would need to just refer to a few of these samples to get ideas of how to elaborate on ideas about heroes in your hero essay.
Adam Gordon
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text:
The Defense of JB and co
By Arrow 1983,
June 3, 2021 in Canucks Talk
erkayloomeh
Location: cold lake
I haven't liked any coaches since AV left.
No excuse for the LE signing. I hated that from day 1.
Jim had little to work with when he took over. It should have been a complete tear down from his start instead of dragging things out, but we don't know if that was his fault or ownership.
My position on JB is that he's average
A little better luck on our draft positioning would have been nice as well.
Not sure why people have to rank JB as either good or bad. He's in the middle
awalk
https://www.vancouverisawesome.com/canucks-hockey/nhl-gms-who-last-7-years-are-typically-a-lot-more-successful-than-jim-benning-3897497?utm_source=dlvr.it&utm_medium=twitter
Generally speaking, there isn't much job security among general managers in the NHL. Half of the GMs in the league have only been in their current positions for three years.
It's understandable. Sports is a results-oriented business — if you're not winning, you're in trouble. There are only 32 NHL GM jobs available and there must be more than 32 people in the world capable of doing the job, so if an owner doesn't like the results one GM is getting, he can fire that GM and have dozens of people lining up to replace him.
Some GMs, however, last longer than others. That's the case for Vancouver Canucks GM Jim Benning, who is the second-longest tenured GM in team history behind only Pat Quinn. Benning has been on the job for seven years and, despite the displeasure voiced by some of the fanbase, is entering his eighth year.
It seems unusual that a GM whose team has missed the playoffs in five of the last six seasons would get a vote of confidence from ownership and stay on the job, but is it all that unusual? To answer that question, I figured I would actually look up all the GMs in the past two decades whose tenure lasted at least seven years to see how well their teams performed and whether Benning's situation is abnormal.
While Benning's situation isn't entirely unique, it's also way worse than I expected.
The two GMs to whom you least want to be compared
Over the past 20 years, there have been 37 GMs in the NHL with tenures lasting seven or more years. As you might expect, there have been some incredibly successful GMs in that time. 11 of those 37 GMs won the Stanley Cup, while 22 of them at least reached the Stanley Cup Final.
It's very rare for a GM to last that long with a sub-.500 record in the regular season as Benning has. In fact, just two GMs with 7+ years on the job have worse records than Benning.
Those two GMs? Mike Milbury and Doug MacLean.
Those are not the type of names you want to be associated with when it comes to NHL GMs. Milbury and Maclean are widely considered to be two of the worst GMs in NHL history.
MacLean is the only GM on this list who never made the playoffs. He infamously selected Gilbert Brule over Anze Kopitar at the 2005 draft, saying, "How do we go with the Slovenian ahead of the Canadian?" That was one of many draft blunders for MacLean, among many other missed opportunities and bad deals. He was even their head coach for a year while still trying to be the GM and President.
Where other expansion teams were able to find success a lot faster, MacLean was unable to do so.
Milbury, on the other hand, was an utter disaster as a GM and it's baffling that he lasted eleven years in Long Island.
Milbury traded away Roberto Luongo, Todd Bertuzzi, Olli Jokinen, Zdeno Chara, Wade Redden, Chris Osgood, Eric Brewer, and Bryan McCabe. When he already had Luongo, Milbury drafted Rick DiPietro first overall in 2000 ahead of the likes of Dany Heatley and Marian Gaborik, prompting the Luongo trade.
He traded the second-overall pick in 2001, who turned out to be Jason Spezza, along with Chara to the Senators for Alexei Yashin, then signed him to a monster 10-year deal that eventually had to be bought out.
All told, Milbury got the Islanders to the playoffs just three times in 11 years and never got past the first round.
Benning can't possibly be as bad a GM as Milbury and MacLean, but it's certainly stunning to see those two names emerge just below Benning's on this list. At the very least, Benning's drafting has been better than MacLean's and he hasn't traded away as many future stars as Milbury. Hopefully the Canucks can improve their record next season and Benning can climb a little higher on the list.
There's still, however, the record of making the playoffs to consider.
Missing the playoffs in 5 of 7 years
The Canucks made the playoffs in Benning's first season as GM, bouncing back after the Tortorella-coached season. They then missed the playoffs for four-straight seasons before sneaking into the playoffs in 2020 and going on a run to the second round on the backs of goaltenders Jacob Markstrom and Thatcher Demko.
Missing the playoffs in so many years wouldn't have stung so badly if Benning and the Canucks had committed to a rebuild in those years. Instead, they kept pushing for the playoffs and failing.
It should come as no surprise that GMs who stay on the job for 7+ years tend to make the playoffs more often than they miss the playoffs. Aside from Milbury and MacLean, however, there are a few other GMs with a similar record of making the playoffs in this group as Benning.
One is Doug Wisebrough, who was the first GM of the expansion Minnesota Wild and got them to the Conference Final in only their third season, so that earned him some extra rope.
Don Maloney and Jim Rutherford, GMs of two teams relocated to southern markets, likewise got a lot of leeway because they were working with smaller budgets. Maloney even won a GM of the Year Award in 2010, as his peers recognized him for getting the Coyotes back to the playoffs with a plethora of savvy moves.
Rutherford, meanwhile, missed the playoffs a lot with the Carolina Hurricanes, but he also got them to two Stanley Cup Finals, winning the whole shebang in 2006. Those wildly successful seasons were outweighed by far too many seasons out of the playoffs, but getting to the Cup Finals on a budget tends to keep you in good graces.
Garth Snow and Kevin Lowe likewise missed the playoffs more than they made them. Lowe, at least, got the Edmonton Oilers to a Stanley Cup Final, losing to Rutherford's Hurricanes.
Snow, meanwhile, was better than Milbury with the Islanders but exacerbated one of Milbury's biggest mistakes by signing Rick DiPietro to a mammoth 15-year contract that is widely considered to be one of the worst contracts in NHL history.
DiPietro was bought out in 2013 as a compliance buy out, meaning he wouldn't take any money off the Islanders' salary cap, but they'll still be paying DiPietro $1.5 million per year until 2029.
Consistent regular season success
Obviously, it would be far preferable to be at the top of a list like this. What stands out is that the GMs with the most regular season success also had the most playoff success. The top-ten GMs here all got to the Stanley Cup Final, with all but three winning the Cup.
Of course, every GM's situation is different. Some of the GMs took over teams that were already very good, like Brian MacLellan and Ray Shero, while others took over at the start of a rebuild. But, for the most part, they didn't keep their jobs long if they didn't win games and make the playoffs.
Can Benning set the Canucks up for that kind of consistent regular season success that gives them as many chances as possible to win the Stanley Cup?
Edited June 22, 2021 by awalk
RU SERIOUS
Location: Sorry, BC
On 6/3/2021 at 1:18 AM, Comeback_Kings said:
JB is going to retool all over again, this time with a young core.
Where have I heard this B4 ?
....talking about tools...................you should have made mention of TG's mediocre handling of some of the players. That is also part of the equation why we've had a number of players regress on this team and also why we;ve had so many poor finishes in the last several years.
Edited July 20, 2021 by RU SERIOUS
DownUndaCanuck
I think he's done a brilliant job and mended every single need of this team as it's come along. Yes, some of the players have been average but whether that's JB's fault or our scouting of players is hard to say. In JB's defence, at the time Eriksson was a prime 30 goal scoring big tough forward who had produced on two different teams, and exactly what we needed. Gudbranson was a big strong top-4 defenceman and exactly what we lacked at the time.
To be fair everyone else, especially his drafting, has been pretty spot on. He's certainly done more good than harm.
This coming off season is monumental for him and the franchise, and he has a LOT of work to do (IMO the most of any team apart from Seattle) as he has lots of UFAs and holes in our lineup to sign alongside getting our young stars under a decent contract, all through an Expansion draft and flat Covid cap.
There was news that he was one of the busiest GMs on the phones prior to the roster freeze and looks to have lots of plans in the works after the ED and this alone tells me that he's working hard to improve this team. Whether it's him and his staff or other GMs out there or the state of the flat cap at the moment, he's trying his best for sure, no one can deny that, and he's pulled off some very savvy moves lately.
I have full faith in JB, not so much in Green or his coaching staff and ultimately that's the GMs decision so my only flaw of JB. If we aren't in a playoff spot by the 1/4 to 1/3 mark of the season and have a relatively more decent team, the coach has to be looked at. JBs downfall may be his loyalty to his coach in the end but I hope they prove me wrong.
kanucks25
Location: John's short house
On 7/21/2021 at 2:50 AM, DownUndaCanuck said:
Location: Victoria
13 minutes ago, kanucks25 said:
Great insight in this thread by you. /sarcasm
I think most, if not all people, know about your blatant bias toward Gillis, and how he cannot be criticized for anything at all. You've made tons of excuses for the drafting and development failures, shifting it to his staff, rather than the GM itself. Meanwhile, I've seen you (more than once) target Benning for his own failures, notably Virtanen.
I think the purpose of these threads is a discussion, one that you are obviously not capable of having because you reject evidence that doesn't match up with what you think about the situation. Gillis did a lot of good things, but drafting/development was not one of them, which you've repeatedly tried to downplay that weakness. And it is the theme in this thread that Gillis' ineptitude in that field was why this team is still in a hole. No goaltending prospects whatsoever under Gillis. Laughable. No defensive prospects from the ground up. (Tanev doesn't count in this regard - he was a pro scout find). Hutton is obviously a depth defenceman, and not a replacement for Edler from 2004. LOL.
And no forward prospects aside from Hodgson and Horvat, both of which were high picks.
Drafting has never been consistently good until Benning. If you'd actually look at the freaking charts, you'll see that Nonis had complete misses, and so did Burke, but at least their players did contribute to the roster, more or less. Under Gillis (2008 to 2013), the players were largely absent.
https://www.hockeydb.com/ihdb/draft/teams/dr00008756.html
Edited July 22, 2021 by Dazzle
4 minutes ago, Dazzle said:
Drafting has never been good until Benning. If you'd actually look at the freaking charts, you'll see that Nonis had complete misses, and so did Burke, but at least their players did contribute to the roster, more or less. Under Gillis (2008 to 2013), the players were largely absent.
Damn you took a lot out of a 4 letter initialism.
Keep fighting the good fight my man.
appleboy
Location: Far far away and sometime close
NO GM OR OWNERSHIP SHOULD BE DEFENDED UNTIL THERE IS A CUP BANNER HANGING IN THE RAFTERS.
Timråfan
When it's just tighten the defence to win, why defend loosing?
TheNewGM
On 7/22/2021 at 10:09 AM, Dazzle said:
to be fair Gillis traded away picks so he could get support for a stanley cup run, and made it to the final game 7.. His team won back to back presidents trohpies as arguably the best Canucks team ever. Still.
and frankly we should have won. Gillis in real numbers was our best GM. and Maybe Burke since he got us the Sedins.
vannuck59
Gillis why does anyone defend or bring him up? long time ago. Meanwhile JB is building but he needs at least 2 stay at home D that can play.
Kurgom
4 hours ago, vannuck59 said:
Because Gillis did more in less time, a lot more. The team was it's best ever under Gillis while JB has had 7 years and more and more we're looking like Edmonton.
6 hours ago, Kurgom said:
Gillis.... yeah that was a great time, and he built a great team... Had a lot more to start with though, and used all we had in the cupboard as well to build it...
This is the reason we have been looking like Oilers....
So as good as Gillis team was, the bill had to be paid, and just about has been now.
ShawnAntoski
On 7/20/2021 at 11:06 AM, RU SERIOUS said:
Yup with all the new pieces - how Green makes this roster win together is the wildcard....
Edited July 25, 2021 by ShawnAntoski


I'm so proud of him. He's thoughtful and kind, and has a great group of longtime friends that he listens to and supports. He treats his girlfriend and her family well. He's in college and going to culinary school.
As a parent, these are all reasons to be proud. Mostly I just love him and I'm just happy he's here on this earth, adding positive energy to our world – which is tremendously needed.
I remember when he was a little boy; he wanted to pick out his own clothes (which didn't go together – but who cares?); him being filthy from a good day playing. I remember some of the exhausting days that seemed like they would never end, and of course they did.
Everyone says it goes fast, and that's true.
I had a new job when he was born. I worked at IDG books, the For Dummies series company, as their online manager. I went to see my OB/GYN after work one night and he said I still had at least a couple of weeks to go. What did he know? Nature works in its own time. My water broke at 1 AM, and 40 hours later my beautiful son was born.
Cherish your child(ren). Love them well. Teach them to treat others well, and be communicative. There's nothing more important. Let them have and learn to name their feelings. Help them understand what to do with feelings (e.g., anger lets them know a boundary has been crossed, or they're hurt or sad). Instead of acting out, teach them to talk out what happened: "When this happened, I felt _____. I wish you would _____.
These are invaluable teachings for all of us, and most people don't get taught growing up.
It's not too late to learn. Print out a list of feeling words, and start to notice yours. Start today. A great book to help with discussions is called Difficult Conversations. It's written by the Harvard Negotiation Team.
Think about what you can do, and what your kids can do (if you have them), to make this a better world. Are you waiting for someone else to do it? Maybe they're waiting for you . . .
A good starting place: Be kind. Say thank you. Let a driver in. Spend couple time with your partner. Spend individual time with your child(ren).
I know my son is worried about this world. There is something you each can do, based on who you are: your strengths and passions. Consider adopting a child.
While I was at Camp Kesem, I saw so many Stanford students with a passion to make this a better world. We need young people's energy and vision. So do anything you can to support them.
Yeah, time flies. At some point in life you just can't believe that everything happened so fast! I know I can't.
I agree that we should cherish our children and teach them to be good, it is the most important thing to do when you are a parent.
I found that I also liked when #1 became capable of flying from the the nest on his own after college. But #2, his adulthood seemed to come this 20th year - when he stepped up to kindly support his grandparents - as they must grapple with some of the old age toils that previously they had escaped.
Thanks for your moving, and encouraging blog. In the third-to-last paragraph, I don't understand what "Let a driver in" means.
"Let a driver in" means when you're driving and someone wants to change lanes, make space for them vs. making it harder for that driver to change lanes. Thanks for writing in.
Joy for the massive work you do here. I really truly welcome you. Your posts are magnificent continually.


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text:
Die Elektrische Bahn Altstätten-Gais (AG) war eine Schweizer Bahngesellschaft, die von 1909 bis 1949 existierte. Der Aktiengesellschaft gehörte die bis heute betriebene Bahnstrecke Altstätten–Gais, eine knapp acht Kilometer lange und partiell mit einer Zahnstange ausgerüstete Schmalspurbahn. Den Betrieb der Strecke übernahm die Altstätten–Berneck-Bahn, eine Strassenbahngesellschaft im Kanton St. Gallen. Die Gesellschaft wurde am 16. Dezember 1909 mit einer konstituieren Generalversammlung gegründet. Auf der Versammlung waren 102 Aktionäre anwesend, welche zusammen 2295 Aktien vertraten. Das Unternehmen war die meiste Zeit defizitär. Es ist nicht bekannt ob die Gesellschaft jemals Rückstellungen hatte bilden können. Besonders der Beginn des Ersten Weltkrieges machte einen rentablen Betrieb unmöglich, da die Bahn primär Personen transportierte und wenig Fracht. Die Bahn war primär vom Tourismus abhängig. Pendler machten nur einen kleinen Teil der Fahrgäste aus. 1915 wurden kurzfristige Schulden in langfristige Anleihen umgewandelt. Das war schwierig, da keine Bank bereit war langfristig Kredit zu geben. Erst als sich Personen fanden, die persönlich für Zinsen hafteten konnten langfristige Anleihen herausgegeben werden. 1920 zahlte die Elektrische Bahn Altstätten-Gais für 100 000 Franken Kapital gerade mal 357 Franken Zinsen. Kurzfristige Schulden hatte sie zu diesem Zeitpunkt nicht mehr. Nur zwischen 1917 und 1922 war die Gesellschaft profitabel. Am 18. November 1931 kündigte die AG den Vertrag mit den Rheintalischen Strassenbahnen, welche bis dahin den Betrieb der Strecke übernommen hatten. Es kam zu neuen Verhandlungen mit der Strassenbahn und auch der Kanton St. Gallen beteiligte sich jetzt bei den Verhandlungen. Da die Strassenbahn auch der Stromlieferant der Bahn war musste eine Einigung gefunden werden. Die Strassenbahn war 1932 nur gegen eine Subvention des Betriebes in Höhe von 13 500 Franken bereit weiterzufahren. Der Kanton St. Gallen übernahm diesen Betrag. Nur mit Subventionen von Kantonen und Gemeinden konnte der Betrieb aufrechterhalten werden. Durch die Zunahme des Automobilverkehrs gingen die Zahl der Reisenden kontinürlich zurück. Schon 1943 wurde geprüft ob es nicht rentabler wäre die Bahn durch eine Buslinie zu ersetzen oder den Betrieb auf Trolleybus umzustellen.

Die Einnahmen der Gesellschaft beliefen sich 1919 auf 50 236 Franken. 1920 war ein schlechtes Jahr, musste der Betrieb doch wegen Maul- und Klauenseuche für mehrere Monate eingestellt werden. Auch die Stickereiindustrie steckte nach dem Ersten Weltkrieg in einer schweren Krise. Das Frachtaufkommen nahm rapide ab. Der Verlustvortrag belief sich auf 24 490 Franken. 1929 übernahmen die beiden Gemeinden Altstätten und Gais die Zinszahlungen und Teile der Kosten für den Betrieb. Sie übernahmen die Kosten der Vormittagszüge. Trotzdem musste der Fahrplan reduziert werden.

Die AG gab Aktien im Wert von 1 311 500 Franken heraus. Dies entsprach der Summe, welche der Kostenvoranschlag zum Bau der Strecke, den Bahnhöfen und dem Rollmaterial, ergeben hatte. Dabei handelte es sich um Stammaktien im Wert von 753 000 Franken und Prioritätsaktien im Wert von 558 500 Franken. Beide Aktientypen besassen einen Nominalwert von 500 Franken. Alle Aktien wurden voll gezeichnet. Der Geschäftsbericht vom 28. Juni 1912 stellte fest, dass bis auf 5 000 Franken alle Aktien bezahlt worden sind. Es wurden 1 506 Stammaktien und 1 107 Prioritätsaktien ausgegeben.

Am 18. November 1911 wurde die Strecke mit drei Triebwagen vom Typ AG CFe 3/3 eröffnet. Es gab Anschlussmöglichkeiten von Gais nach St. Gallen und Appenzell. Im Rheintal hatte man Anschluss mit der Strassenbahn nach Diepoldsau und Berneck. Auch konnte man seit dem  26. Juni 1912 den SBB-Bahnhof über die Strassenbahn erreichen, nachdem ein Gleis durch die Altstadt von Altstätten verlegt wurde. Mit der Elektrischen Bahn Altstätten-Gais konnte man nun bis zum SSB-Bahnhof durchfahren.

Am 17. Juli 1948 fand die letzte Generalversammlung der Gesellschaft statt. 1949 fusionierte die AG mit der Elektrischen Bahn St. Gallen–Gais–Appenzell (SGA) zur St. Gallen-Gais-Appenzell-Altstätten-Bahn (SGA). Diese wiederum ist heute in die Appenzeller Bahnen (AB) integriert, die auch die AG-Stammstrecke von Altstätten nach Gais betreiben.

Weblinks

 Geschichte der Appenzeller Bahnen, auf: Homepage der Appenzeller Bahnen
 Geschäftsberichte der Elektrischen Bahn Altstätten-Gais AG hiwepa.ch

Einzelnachweise

Bahngesellschaft (Schweiz)
Verkehr (Alpenrheintal)
Altstätten
Gais AR
Appenzeller Bahnen

redpajama_set_name: RedPajamaWikipedia


text:
Q: How do I convert a 3*1 vector into a 2*2 lower triangular matrix in pytorch I have created a network in pytorch, whose output is B*N*H*W. I want that N is equal to 3 and then convert the output into a 2*2 lower trangular matrix with a upper zero in the 2nd demension. There may be two ways to achieve that.
    class Net(nn.Module):
        def __init__(self, in_ch=3, out_ch=N):
        super().__init__():
            self.net = nn.Sequatial([...])
        def forward(self, x):
            return self.net(x)

First, let the network output be B*4*H*W, and then mutiple a mask of [1,0,1,1] in the 2nd dimension to make one channel to be zero. This way can get a 2*2 lower trangular matrix with a upper zero, while I don't know if there will be information lost. And I don't know how to check the loss of information while training.
    class Net(nn.Module):
        def __init__(self, in_ch=3, out_ch=4):
        super().__init__():
            self.net = nn.Sequatial([...])
            self.mask = torch.FloatTensor([1.,0.,1.,1.]).cuda()
        def forward(self, x):
            return torch.einsum('abij,b->abij', self.net(x), self.mask)

Second, I think that the direct solution is to output a B*3*H*W tensor and convert the 2nd dimension into a 2*2 lower trangular matrix with a upper zero. But I don't have an effictive approach to implementing this. The transform operation in 2nd dimension may be like:
    array[2.3, 5.1, 6.3]  -->  array[[2.3, 0.],
                                     [5.1, 6.3]]

There are still two questions. How to convert the 2nd dimension of B*3*H*W to a tensor of shape B*2*2*H*W and if the first method will make the information lost while training.

A: Try this:
You can easily calculate N from len(a) as N*(N+1)/2 = len(a) => N
Here is the numpy version:
a = np.array([2.3, 5.1, 6.3])
N = 2

c = np.zeros((N, N))
c[np.tril_indices(N)] = a

Output:
c
>array([[2.3, 0. ],
       [5.1, 6.3]])

Here is the pytorch version:
a = torch.tensor([2.3, 5.1, 6.3])
c = torch.zeros(N, N)
c[torch.tril_indices(N, N, offset=0).tolist()] = a
c

Output:
tensor([[2.3000, 0.0000],
        [5.1000, 6.3000]])

redpajama_set_name: RedPajamaStackExchange


text:
Q: "Enrich" vs. "enriches" Which is correct?

The profoundness of experiences, such and more, enriches / enrich me till date.

A: Setting aside other concerns with the sense of the sentence. If profoundness (sic) is singular then the verb form should agree with that, hence you should use ENRICHES.
Do not be confused by the fact that experiences is plural. If each of the experiences had a similar level of profoundness (or perhaps profundity), then the subject as a whole is singular.
But please do reconsider every word of what you have written.


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Performing more than 70 complimentary hearing screens at the Mile of Music festival in Appleton, Wisconsin, About Better Care Audiology donated its services and spent time educating artists about ear protection. These screens were among the extra care services available to performers through the festival's Artist Care Program.
We would much rather be working to prevent a hearing problem from happening now than fitting a hearing aid later.
As part of the Artist Care program offered at the Mile of Music festival in Appleton, Wisconsin, About Better Care Audiology donated its services and completed more than 70 hearing screens for participating performers.
Stephanie Long, AuD, and her staff embraced this opportunity to support visiting musicians and educate them about key strategies for hearing loss prevention.
As part of several extra care services Mile of Music extends to its artists, the hearing screens were completed at the festival in Downtown Appleton and also at About Better Care's clinic location. Dr. Long and staff checked the artists' ears for obstructions, performed standard hearing tests and offered a more comprehensive exam if anything unusual was found. The team focused a lot of time on providing artists with tips for improved hearing protection. These included everything from re-configuring the placement of speakers at shows to wearing in-ear monitors, ear plugs and stock/custom molds for better sound filtering and volume control.
In addition to performing more than 70 hearing screens, About Better Care distributed more than 3,000 earplugs throughout the four-day music festival which featured 225 artists and 900-plus live performances.
Mile of Music first introduced its Artist Care Program in 2015 as a way to show the community's appreciation for festival performers. Along with the hearing screens offered by About Better Care this year at Mile 5, artists also had the opportunity to receive complimentary dental exams, optical exams, physical therapy, massage therapy and other care services.
Mile of Music will return to Appleton in 2018 from August 2-5.
Mile of Music is an artisan, all-original music festival that launched in August 2013 as a creative economy driver in Downtown Appleton, Wis. The four-day festival is held in August with the support of more than 100 community sponsors and 400 volunteers, featuring nearly 1,000 live music sets from 250 artists at 70 venues along the one-mile, walkable stretch of College Avenue and the nearby riverfront.


I would like to share one idea with you guys . I have seen couple of questions posted in SCN(and outside SCN too) regarding how to create deep entity set , how to update complex structures through OData operations etc. Well, this blog does not talk about handling these scenarios using OData calls but trying to achieving such scenarios using XSJS . Here, I am explaining how we can pass complex JSON structure directly to the XSJS context for processing.
Here we are designing the UI5 application from where the POST call will be triggered to the back end XSJS service. For this I created on simple table control with 6 columns and bind it with an OData service ( for testing it, I am using JSON model ).
In the submit button click, we will get the table binding context and get the corresponding JSON object associated with the table. Which would contain the current values in the table. It will automatically hold any data change that we have made in the table entries.
In the above code snippet, all what I am doing is generating the JSON data, serializing it and attaching the same in the POST call made against the target XSJS service.
Designing the XSJS back end is quite easy . We have sent the JSON data to the target XSJS through a POST call. So the required data will be available in the request object. It is a key value pair, where the key name here is JSON_DATA and the value will be the serialized JSON object. We now need to de serialize the JSON string to JSON object . JSON.parse() method would help us for this task.
// Now we have the JSON object with us. Do what ever manipulation you want to do on it.
This is the smallest blog I have written.But for me , it was too helpful . When you face such a situation where you need to send complex structured data to the back end , this method would help you.
Share your views regarding performance(or anything).
Could you kindly share how we can do the same without using Designing the UI5 ?
for POST (request) you should read the body of the request.
for GET (request) you should read the parameter.get as you have on your blog.
What is the code to read the body of the POST request? Is there a resource I could find this?
Thanks Sergio. Is there a document/link that talks about these basics? Or is it the HANA developer guide?
Hello. How can we get parameters from $.request.body? And where I can search for API reference?
I am not sure you get parameters in a POST. You get that in a GET call.
Normally POST methods are passing values through the body not using the header/url. So there is no parameter concept/it is neither visible in front of user nor attaching with URL. That is the main difference here. So for extracting values, you have to extract it from json file.
could We transfer image from UI to xsjs???
should be possible with a multi part … Could you solve this issue ?
If you set body with JSON object, something like this $.response.setBody(JSONObj) then I am assuming some sort of file will get download?
I need your help urgently on an XSJS project. I am creating a chatbot like app. And I have created an ODATA service which is fetching purchase order details from SAP backend. so from my chatbot I want to send parameters details and fetch accordingly, but I am unable to create POST function in xsjs. Please connect with me at pulakesh.05@gmail.com.
Please describe your issues as a question in SCN and share the link here. It will be helpful to other community members as well.
can anyone take a look please .


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text:
Eupithecia atromaculata is a moth in the  family Geometridae. It is found in Peru.

References

Moths described in 1907
atromaculata
Moths of South America


text:
Вонджу (, Вайлі on-'ju, ) — блузка з довгими рукавами, яку носять жінки Бутану, одягається під кіра. Зазвичай виготовляється з шовку, поліестера або легкої бавовняної тканини. Вонджу є частиною бутанського національного вбрання, так само як і кіра з тего.

Примітки

Національний костюм Бутану
Жіночий одяг
Національні символи Бутану


The first motorcycle equipped with an electronic fuel injection. Injection was shown to Save Money Motorcycles Honda Only the Best Price PGM-FI technology in addition to the electronic control technology that is friendly to the environment is also more economical and more fuel-powered. Actually, many other advantages, PGM-FI technology is already present in the variant Supra X 125 PGM-FI Helm in Helm and spacy in PGM-FI.
The first motorcycle equipped with an electronic fuel injection or Sepeda Motor Injeksi Irit Harga Terbaik Cuma Honda - CX500TURBO, In the late 1970's, Honda R&D was filled with enthusiasm towards attaining "core technologies that would lead to the development of new technologies in the 1980's". Through discussions on what should be the core technologies, "turbo charging" was choosen, and the CX500 was selected as the base model. Honda defined the purpose of "turbo charging" not merely as a boost of extra power output from a large displacement engine, but an increase of specific power from a small displacement engine, and an increase in thermal efficiency by reducing the frictional losses per output. Simply stated, it was to attain both an increase in power output and a reduction in energy loss. Most critical in the development were the turbo charger and the fuel injection control systems. The CX500TURBO eventually made the first step of innovation into the 1980's with its acceleration performance better than the "CB900F" and fuel economy better than the base model "CX500".
Work process HONDA PGM-FI (Programmed Fuel Injection) is electronically controlled to supply fuel and oxygen are appropriately tailored to the needs of the machine in every state. These systems rely on a variety of sensors that function sends a signal to the central engine control ECM (Engine Control Module), then give the command to output components in the engine to produce maximum energy efficiency and emission levels that are environmentally friendly.
Motor fuels Honda PGM-FI technology suitable to use Premium gas stations across Indonesia, the sophistication of Honda PGM-FI technology is in addition to economical to make the engine easier to turn in all temperature conditions, terrain and even after a long time is not turned on though.
Computer controlled fuel injection. One of the features of the CX500TURBO was the practical application of the computer controlled fuel injection system. Instead of using the then-conventional air flow meter, the computer-controlled fuel injection system calculated the injection volume using the two control maps, i.e., one for the boost zone where the basic injection volume was determined by the engine revolutions and the boost pressure, and the other for the throttle zone where the basic injection volume was determined by the engine revolutions and the throttle opening. The actual injection volume was adjusted by the intake density compensation, the intake air pressure and/or intake air temperatures, the supplement for acceleration, warming up, starting, the compensation for battery voltage, etc. Also incorporated in the computer-controlled fuel injection system was a self-diagnosis system that activated the warning lamp and the backup system to keep the engine running when a failure occurred in the system.
With the presence of various models of injection Efficient Motorcycles Honda Only the Best Price gives an option for all the users and is suitable for the child's school to support transportation.
The first motorcycle equipped with an electronic fuel injection "Honda's PGM-FI Love Love Indonesia" Use Honda Motor also protecting and preserving the environment.
And last time I was to say PERFECT for "Sepeda Motor Injeksi Irit Vario Techno 125 PGM-FI as Efficient Injection Motorcycles Honda Only the Best Price". The first motorcycle equipped with an electronic fuel injection.
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Home News Health and Senior Services Commissioner Tours South Jersey Healthcare Elmer Hospital - Highlights Increased Hospital Funding and Baby-Friendly Designation
Health and Senior Services Commissioner Tours South Jersey Healthcare Elmer Hospital - Highlights Increased Hospital Funding and Baby-Friendly Designation
Elmer, NJ (June 14) - During a tour of South Jersey Healthcare Elmer Hospital, Health and Senior Services Commissioner Mary E. O'Dowd highlighted the state's commitment to quality health care in the FY2013 budget, which provides nearly $1 billion in hospital funding to support care to the uninsured and underinsured.
"This funding strengthens New Jersey's health care safety net for our most vulnerable and provides hospitals with financial support so they can serve their communities," said Health and Senior Services Commissioner Mary E. O'Dowd. "Governor Christie has again demonstrated his commitment to strengthening health care in our state."
The entire South Jersey Healthcare system will receive $7.4 million in state hospital funding, an increase of more than $138,000 over last year. South Jersey Healthcare Elmer Hospital will see an increase of $17,000 in state funding in this year's budget.
"We are thankful that Governor Christie and Commissioner O'Dowd continue to demonstrate their support through the budget process for uninsured citizens who seek hospital services," said Chet Kaletkowski, president and CEO, South Jersey Healthcare.
As part of her visit, Commissioner O'Dowd toured the hospital's maternity unit to view the advancements Elmer Hospital made to achieve Baby Friendly status. South Jersey Healthcare Elmer Hospital was the first hospital in New Jersey to achieve the Baby-Friendly designation.
"It is always gratifying to be recognized for providing exemplary patient-focused care," said Chet Kaletkowski, president and CEO, South Jersey Healthcare. "Being the first hospital in New Jersey to earn Baby Friendly designation speaks volumes about the Elmer Maternity Care team--our nurses, midwives, physicians and lactation consultants. As an organization, we are deeply committed to maternal/child health."
The designation is from Baby-Friendly, USA, an accrediting body that implements the United Nation's Children's Fund (UNICEF) and World Health Organization (WHO) Baby-Friendly Hospital Initiative. The initiative encourages and recognizes hospitals and birthing centers that offer an optimal level of care for infant feeding.
"There are many health benefits associated with breastfeeding for both mother and child," said Commissioner O'Dowd. "Breast milk provides superior nutrition for infants, helps boost their immune systems and reduces the incidence of illness and childhood obesity. Moms that breastfeed have lower rates of breast and ovarian cancer, anemia and osteoporosis."
Elmer Hospital is one of only two hospitals in the state that have received the Baby-Friendly designation. Capital Health in Hopewell was the second hospital in New Jersey to receive the designation.
"Hospitals play a critical role in increasing the initiation and duration of exclusive breastfeeding and I am proud that Elmer Hospital is focused on giving newborns in South Jersey a healthy start in life," added Commissioner O'Dowd.
SJH is a nonprofit, integrated health care system, providing access to a continuum of health services. SJH provides hospital services, numerous community health clinics, home health services, and specialty services, which serve the medical and health care needs of Southern New Jersey residents.
Topics: Maternity
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For Renee Suriani of Swedesboro, a series of unexpected twists and turns led to a complete "rewriting" of her plans. Fortunately, she had the support of her husband and a team of nurses and doctors with whom she formed deep bonds.
Trying to Conceive in the New Year
The holidays are over along with the parties that included pregnancy announcements, young nieces and nephews running about, and newborns getting passed from one doting family member or friend to another. For many couples, the new year represents a perfect time to start planning an addition to their family.
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Whirlpool Earrings, 1.0" Diameter, Oxidized Sterling Silver, 18K Yellow Gold, Champagne Diamonds, Sterling Silver Posts on the back.
Lori's contemporary jewelry, which is often described as lyrical and fluid, is inspired by the world she discovers on long bicycle trips. Because of failing eyesight, the little camera in her head captures images a little bit out of focus with blurry edges. Avoiding straight lines, her modern art jewelry almost always has some kind of curves and moves in tandem with the body. It is precisely imprecise, which is the essence of its beauty.
Click the button below to add the Whirlpool Earrings to your wish list.


According to the child's father, he entered the boy's room and found him on lying on his bed underneath a chest of drawers. The child's mother claimed that she didn't see or hear anything. But doctors told police that the welts are consistent with the child being tightly bound by ropes, and said they suspected abuse or neglect. They added that they may need to amputate the boy's legs; they have already performed surgery to remove some of the damaged tissue in hopes of saving his legs.
Both Ms. Stephenson and Apodaca have been arrested and charged with child abuse. The child and his little sister are in the custody of the New Mexico Children, Youth and Families Department. Find out more details of this heartbreaking story at Santa Fe Couple Arrested, Accused Of Child Abuse.


text:
Q: How to make List of Unique data from multiple List containing duplicate values In Java.
I have 3 List and all contains duplicate values like.
List<Integer> list1=1,2,3,4
List<Integer> list2=2,3,4,5

List<Integer> list3=1,4,5,6

I want to make a single List<Integer> list=1,2,3,4,5,6
Is it possible to do without using loops.
thanks in advance.

A: The syntax you use looks like Java, so this is how you could do it in Java:
TreeSet<Integer> set = new TreeSet();
set.addAll(list1);
set.addAll(list2);
set.addAll(list3);
List<Integer> list = new ArrayList<Integer>(set);

A: To not use loops, use recursive calls of functions. You can use a hash array, or an object and set its properties with your values, use "true" value for simplicity.
When you override, its not a problem, it will just get re-set as true.
Afterwards, you loop through the hash array or object and all its properties are unique (and all have the value true).
If you have a particular language of programming, mention it as a comment, I might give you the function to do it.


text:
Q: Unable to insert Text with Special Characters (/-&) from Excel to SQL using SSIS package I am trying to insert a Company name column from Excel into a SQL Table using SSIS the Company Name Column contains Name as ABC\XYZ Company.com but while inserting the data I am getting below Errors
I am Using Flat file source and the file is in .csv format
Errors are below
SSIS package "C:\Users\C1363\source\repos\MAD Upload\MAD Upload\Package.dtsx" starting.
Information: 0x4004300A at Data Flow Task, SSIS.Pipeline: Validation phase is beginning.
Information: 0x4004300A at Data Flow Task, SSIS.Pipeline: Validation phase is beginning.
Warning: 0x80049304 at Data Flow Task, SSIS.Pipeline: Warning: Could not open global shared memory to communicate with performance DLL; data flow performance counters are not available.  To resolve, run this package as an administrator, or on the system's console.
Information: 0x40043006 at Data Flow Task, SSIS.Pipeline: Prepare for Execute phase is beginning.
Information: 0x40043007 at Data Flow Task, SSIS.Pipeline: Pre-Execute phase is beginning.
Information: 0x402090DC at Data Flow Task, Flat File Source [2]: The processing of file "D:\MAD\April_Mad_Report_2022.csv" has started.
Information: 0x4004300C at Data Flow Task, SSIS.Pipeline: Execute phase is beginning.
Error: 0xC02020A1 at Data Flow Task, Flat File Source [2]: Data conversion failed. The data conversion for column "MerchantName" returned status value 4 and status text "Text was truncated or one or more characters had no match in the target code page.".
Error: 0xC020902A at Data Flow Task, Flat File Source [2]: The "Flat File Source.Outputs[Flat File Source Output].Columns[MerchantName]" failed because truncation occurred, and the truncation row disposition on "Flat File Source.Outputs[Flat File Source Output].Columns[MerchantName]" specifies failure on truncation. A truncation error occurred on the specified object of the specified component.
Error: 0xC0202092 at Data Flow Task, Flat File Source [2]: An error occurred while processing file "D:\MAD\April_Mad_Report_2022.csv" on data row 169.
Error: 0xC0047038 at Data Flow Task, SSIS.Pipeline: SSIS Error Code DTS_E_PRIMEOUTPUTFAILED.  The PrimeOutput method on Flat File Source returned error code 0xC0202092.  The component returned a failure code when the pipeline engine called PrimeOutput(). The meaning of the failure code is defined by the component, but the error is fatal and the pipeline stopped executing.  There may be error messages posted before this with more information about the failure.
Information: 0x40043008 at Data Flow Task, SSIS.Pipeline: Post Execute phase is beginning.
Information: 0x402090DD at Data Flow Task, Flat File Source [2]: The processing of file "D:\MAD\April_Mad_Report_2022.csv" has ended.
Information: 0x4004300B at Data Flow Task, SSIS.Pipeline: "OLE DB Destination" wrote 0 rows.
Information: 0x40043009 at Data Flow Task, SSIS.Pipeline: Cleanup phase is beginning.
Task failed: Data Flow Task
Warning: 0x80019002 at Package: SSIS Warning Code DTS_W_MAXIMUMERRORCOUNTREACHED.  The Execution method succeeded, but the number of errors raised (4) reached the maximum allowed (1); resulting in failure. This occurs when the number of errors reaches the number specified in MaximumErrorCount. Change the MaximumErrorCount or fix the errors.
SSIS package "C:\Users\C1363\source\repos\MAD Upload\MAD Upload\Package.dtsx" finished: Failure.
The program '[19668] DtsDebugHost.exe: DTS' has exited with code 0 (0x0).

A: That is a data truncation error, please see below extract from your error message

Data conversion failed. The data conversion for column "MerchantName" returned status value 4 and status text "Text was truncated or one or more characters had no match in the target code page."

As a default SSIS flatfile connections sets the column length to 50, I'm guessing that some of your Merchant Names are longer than 50. Check your flat file connection properties under advanced and make sure that MerchantNames have the same length as the table you are inserting into. Please see below screenshot of a mock flat file connection

Additionally you can redirect the truncation error to a record set destination, add a data viewer to the error output to see what the actual line looks like that is failing on the truncation error