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Q: Virtual memory address translation I was reading about how Virtual Memory and Memory management works in an Operating System. I understood how each process has its own contiguous logical address space. This address space need not be contiguous in physical memory. For this purpose, paging is used. The page tables are used to do the mapping from logical address to a physical address. The logical address is divided in two parts, first part gives the logical page number, which using the page table is translated to the physical page number, and the second part is offset into that page. Thus the contents from memory are retrieved.
Virtual memory is an extension of this, where all the pages need not be in main memory, and can be brought there through page faults.
Using my understanding I solved the 4th question on this page: www.ics.uci.edu/~bic/courses/JaverOS/ch8-ex.pdf
I got my answers wrong, and I have no clue what the right answers are.
This is the way I did it:
From the diagram in the question, Page table for Process P1 will look like this according to me:
0-4
1-5
2-6
3-7

So when process P1 makes a reference to 0 i.e is 0000 in 4 bit binary, we divide
it as 00|00.
Thus logical page no = 00 and offset = 00.
From the page table, we can see 0 is mapped to 4th physical frame.
Offset is also 00 here. So I get the 0th entry(offset) in the 4th frame.
The content at this memory location(i.e Frame No. 4, offset 0) is 0.

Why is this wrong?
Can anyone help?

A: I'll start with virtual address 8, it should illustrate things better.
8 = 2×4 + 0. The physical address is stored at offset 0 of page 2 of the process. We look up the second page. For P1, page 2's address is stored at PA 4 + 2, and it is 28. We look up the contents of PA 28, and get value 0. For P2, page 2's address is stored at PA 12 + 2, it is 24, the contents of PA 24 are 5.
Now with virtual address 15, which illustrates the exceptional cases.
15 = 3×4 + 3. The physical address is stored at offset 3 of the process's page 3. For P1, page 3's address is stored at PA 4 + 3, which contains -2. The sign bit indicates the page is outside physical memory, which means there will be a hard page fault (a situation the OS handles exceptionally, but not an error). For P2, page 3's address is stored at PA 12 + 3, which some special mechanism (a poison value, an external frame table?) tells us is invalid. This is an error, and gets reported as a segmentation fault.
One last example with VA 7 and P1 to explain offsets:
7 = 1×4 + 3. The physical address is stored at offset 3 of P1's page 1. Page 1 is at PA 8, offset 3 of page 1 is at PA 8+3.

A: I'm assuming the diagram shows the physical memory and physical addresses on the left. It wouldn't make sense to let p1 and p2 directly access their own and each other's page tables.
Given that, for virtual address 0 you fetch -45 from page frame 1 for p1 and 0 from page frame 3 for p2.
For VA = 1 you fetch 8 and -12 respectively.
For VA = 4 you fetch nothing because that's outside of the defined page tables for p1 and p2 (that is how I interpret "The size of each page and page table is 4" and "The page table of p1 begins at address 4; the page table of p2 begins at address 12."; if my interpretation is wrong, then the problem statement is incorrect as well). Ditto for the rest of the VAs because they're greater than or equal to 4 and fall outside the defined page tables too.
You can then work out the final answers from here.

redpajama_set_name: RedPajamaStackExchange


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Q: How to quickly generate C++ projects arborescence I would like to generate a project architecture quickly, with a makefile already configured (like a mvn quickstart in Java).
For instance, a make quickstart would create me a repository like this :
makefile
main.cpp
src

with the makefile alread configured to compile and link sourcefiles in src with main. I then just have to add libs and directoies in src.
I suppose it's possible to do so wich Qmake or Cmake, but I don't know where to look or what terms to search.
Would you guys know how to do so ?

A: Use an IDE for that. E.g. KDevelop is able to create basic CMake-based project and help you with the project architecture management.

A: check this quick start guide: http://www.ogre3d.org/tikiwiki/tiki-index.php?page=CMake+Quick+Start+Guide


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Last edited by Kazikora
Monday, April 27, 2020 | History
4 edition of The Hospital Laboratory found in the catalog.
T. B. Hales
Strategy, Equipment, Management and Economics
by T. B. Hales
Published March 1991 by Ellis Horwood .
Medical equipment & techniques,
Scientific equipment & techniques, laboratory equipment,
Medical / Nursing,
Hospital Administration,
Science/Mathematics,
Equipment and Supplies, Hospital,
Equipment and Supplies, Hospit,
Hospital laboratories,
Laboratories, Hospital,
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text:
The Minister confirms they are freezing charges in 2015
Comments Off on The Minister confirms they are freezing charges in 2015
Balearics, Canaries, Cargo, NewRoutes, Subsidies, ValleyDays
We informed yesterday that Aena would soften their charge increases or even freeze them despite the agreement reached in 2013. Today, the Spanish Minister of Development has announced the charges will be definitely frozen in 2015.
Thus, Aena published this morning a press release which we have translated as follows:
Pastor announces the airport charges will be frozen for 2015 and extends the incentives
Proposes a cero increase instead of the expected 4.5%
The savings achieved thanks to the cost reduction plan in the last two years, together with the traffic increase make this possible
Aena forgoes income by 151 million Euros (77 because of the freezing and 74 because of the incentive extension)
Airlines will be informed about this proposal within the consultation process
Madrid, 6 May 2014 (Minister of Development)
The Minister of Fomento, Ana Pastor, has announced today that the airport charges will be frozen in 2015 and the incentives will be extended. This will mean that fees will have a cero increase instead of the expected 4.5%.
After informing to the airlines, Aena will propose this freezing to the National Markets and Competition Commission. Afterwards it will be added to the General Budget for 2015.
This proposal means, in fact, no increase for the 2015 charges with regard to 2014 in spite of the fact that an agreement had already been reached for the charge increase to be no more than 4.5%.
This measure will be effective from March 2015. In 2014 the average price increase was 0.9% instead of 2.5% that was the maximum increase fixed by the regulation. This was intended for the Aena's cost recovery after investing 18,000 million Euros within then years.
Aena will forgo income by 77 million Euros for this reason. The measure is sustainable thanks to two main reasons. On the one hand, thanks to the cost reduction plan performed by Aena which supposed savings by 320 million Euros between 2011 and 2013.
On the other hand, traffic is increasing in the net as a whole, especially in airports like Adolfo Suárez Madrid-Barajas, Barcelona-El Prat and the touristic airports. In particular, in April, the Aena airports had over 16.2 million passengers, 9.2% more than the same period of 2013. Moreover, for the first time in 30 months (since September 2011) National traffic has positive figures (+4%).
Adolfo Suárez Madrid-Barajas registered 3.4 million travellers inApril, 7.6% more. Barcelona-El Prat has grown by 10.8%, exceeding the amount of 3.1 million passengers. Palma de Mallorca increases by 5.5% in passengers (1.7 million); Alicante-Elche reaches 907,000 passengers (9.6%) and Málaga-Costa del Sol has over 1.2 million passengers (12.8%).
Extension of the incentives until 2015
Aena will inform to the airline representatives on their proposal for freezing charges and, furthermore, on the extension until 2015 of the incentives which are in force since 1 January 2014 at all airports.
These incentives mean a reduction of 50% in the passenger charge for additional passengers in a route which had been previously operated. They mean a reduction of 75% in the passenger charge if that route is a non operated destination.
Also, if the airline maintains the number of passenger in the subsidised route within the next year, those subsidies will reach 75% for the already operated routes and 100% for the non operated destinations.
Moreover, passengers connecting flights at an airport increase the fee subsidy until 35% (in 2013 it was 20% and in 2014 30%).
In cargo flights, the incentives to be kept are the charge exemption for cargo connecting two flights and the 50% bonus for the cargo charge in international flights.
Aena forgoes income by 151 million Euros (74 because of the incentive extension until 2015, apart from 77 million because of the airport charge freezing).
Incentives on Insularity, seasonality and valley days
Apart from the cero increase in 2015 and the extension of the incentives which are in force from 2014, Aena will keep other incentives which were approved previously. It is worth nothing three types:
Incentives on Insularity: In the airports of the Balearics, the Canaries, Ceuta and Melilla, landing and passenger fees have a bonus of 15% in flights with the mainland and 70% in interisland flights.
Seasonality: In the seasonal airports of the Balearics, the Canaries, Ceuta and Melilla, the charges to departing passengers will be reduced by 20% during the season which has less traffic.
Valley Days: In the airports of the Canary Islands, 50% of the amounts due to landing and passengers is subsidised for those flights operated on those days of the week when the airports are not bussy, except for the interisland flights which already have 70% off.
For further information keep an eye on this blog.
Photo: New Barcelona airport terminal / Wikimedia Commons


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GBG, the specialist Identity Data Intelligence provider, has announced the appointment of James Miller to the role of Chief People Officer. James brings with him a strong focus on people engagement and development and joins GBG from Adobe where he held roles in San Francisco, Paris and London. James brings with him particular experience in onboarding new teams through acquisition which will be crucial in helping GBG achieve its stated growth ambitions over the next five years. His role will encompass everything related to the overall employee experience, building on GBG's already excellent team engagement and culture, overseeing all aspects of the GBG people strategy from traditional HR and talent management practices through to internal communications and the Group's physical office spaces.


Abstract: Most private sector workers with employer-provided health insurance have a strong incentive to continue working until Medicare eligibility in order to maintain group health coverage. However, most government employees have access to retiree health coverage, which allows them access to group health coverage even if they retire before Medicare eligibility. We study the impact of retiree health coverage on the probability of stopping work among public sector workers between the ages of 55 and 64. We find that, for state and local government employees, retiree health coverage raises the probability of stopping work by 5.1 percentage points (around 28 percent) between ages 60 and 64. However, we find no evidence that retiree health coverage influences state and local employees' decisions to stop work at ages 55-59, or that such coverage has an effect on the probability of stopping work for federal and military employees.
Published as Shoven, John B. & Slavov, Sita Nataraj, 2014. "The role of retiree health insurance in the early retirement of public sector employees," Journal of Health Economics, Elsevier, vol. 38(C), pages 99-108.


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Forward Trikes have two wheels at the rear, and a single wheel at the front and have generally been the most common trike.
Some rear engine powered trikes conceal the engine, while other trikes display the engine with plenty of chrome.
The recent popularity of the Can-Am Spyder Reverse Trike may change that imbalance in the future.
This article will introduce you to the multiple categories of Motor-Trike design. First we shall look at a brief explanation of each type.
Motor Trikes are a popular choice for the elderly and people with disabilities due to the fact that the rider's legs are not required to support the weight of the bike. A trike also provides more options to attach a fold-able wheelchair to the rear and can even be designed to allow the rider to remain in a wheelchair while riding.
Trikes can be powered by a motorcycle engine in front of the rider, or powered by a car engine in the rear (such as a Volkswagen engine).
For this reason, a Forward Trike driven by a motorcycle engine at the front, has been the most popular and easiest modification for Wheelchair Access.
A Rigid Forward Trike will have a single wheel on the front and two wheels on the rear and does not lean.
The Tilting Forward Trike is identical with a Rigid Forward Trike, however it will tilt as you enter a corner, exactly as a solo rider leans on a two wheel motorcycle counter steering.
Forward Cargo Trike is like a Rigid Forward Trike, however it has a tray or tub above the rear wheels. In Australia a vehicle with a tray/tub would be called a Ute (abbreviation for Utility), and in the USA would be called a Pick-up. Therefore, a Forward Cargo Trike is simply a pickup/ute with a motorcycle at the front.
An Outrigger Trike is a Two Wheel Motorcycle driven by the rear wheel, that has had car tires fitted on either side of the rear wheel, similar to training wheels on a child's bicycle.
Rickshaws and Tuk Tuks can be described as Forward Trikes with a cab to keep the driver and passengers out of the rain.
Three Wheelers look like standard cars that have three wheels, instead of four. Similar to Forward Motortrikes, Forward Three Wheelers will have a single wheel on the front.
As there are so many manufacturers of Forward Trikes and Trike Conversion Kits, there would be too many examples for this article. We will take a look at a few and provide links to many others at the end.
An Outrigger Trike is a standard two wheel motorcycle with an attachment. The motorcycle rear wheel has not been removed. The following video will explain.
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As there are so many Forward Trike examples, I have listed some extra links here for your convenience.
TC Custom Trikes Click Here. Trikes Australia Click Here. Panther Trikes Click Here. Threedom Wheels Click Here. Australian Trikes Click Here. Trike Around Australia Click Here. Cam Trikes Australia Click Here. Trevaye Enterprises Click Here. Champion Trikes and Sidecars Click Here. Californian Sidecars and Trikes Click Here. US Trikes Click Here. EML Trikes Click Here. The Trike Shop Click Here. Lehman Trikes Click Here. Roadsmith Trikes Click Here. Motor Trike Click Here. Rewaco Trikes Click Here and Here. Crossroads Trikes Click Here. Hannigan Trikes Click Here. Trikes by Design Click Here. Leola Motor Trike Click Here. The Trike Man Click Here.
Reverse Trikes – Are they a Safer Option?
Haul N Ride website was created to explore Innovation and Human Creativity with a focus on Interesting, Rare and Unusual Motorcycles and Accessories. Haul N Ride welcomes the sharing of projects and ideas, creating an enjoyable and educational online resource. We like to hear from readers so please leave a comment below and let us know if this post helped you or if you have any questions.
Previous post: Reverse Trikes – Are they a Safer Option?
Really nice site, I like the Nachomobile video, some good information, and a lot of Trikes and reverse trikes, well put to together.


Florence 'the mother of modern nursing' Nightingale, is a familiar figure to many of us who sat through G.C.S.E history. The 'Lady with the Lamp' who tended to dying soldiers with grace and kindness. She made hospitals clean their act up (literally) and thus saved many lives. She was a national hero, beloved by many. She's even got her own museum!
Flo was born into a wealthy and seriously well connected family. Her parents named her after Florence in Italy, her birthplace. Her sister was Parthenope, again after the place she was birthed. Luckily none of them were born in Cockfoster.
Kid Florence had a fascination with the mechanics of how things and people worked from an early age. She freaked out her sister by stitching her dolls back together into weird Frankenstein monster affairs. Once she even put splints on the family dog.
Flo spent her childhood years swanning around Europe enjoying all the luxuries her status gave her. She was expected to take a husband, look pretty, sew or some such shiz and look after a fancy pants home/husband/2.5 children, as polite society dictated.
Florence did not want to do this.
But things got weird when Flo became convinced she was guided by God who told her she should give nursing a go. Apparently our Lord told her to have a crack at nursing as a way to dedicate her life to helping those less fortunate and other such selfless stuff.
Flo did what God said and told her family that she not only wanted to be a nurse, but also wanted to create more opportunities for educated women like her to take up nursing as an alternative to life serving as a trophy wife.
Family Nightingale did not take this well. Nursing was not a respectable profession for an educated young lady. Plus hospitals were dirty and full of poor people.
But Flo wasn't out yet. She was shrewd and sneaky; working on nursing in secret. She read every medical commission report available, she collected hospital pamphlets and even snuck off to nursing institutions across Europe.
The story goes that Nightingale took over the Scutari war hospital in 1854 during the Crimean war and improved the frankly disgusting and deadly conditions by introducing bleach and the importance of cleanliness. She was full of sunshine and rainbows and floated between wards like a delicate womanly flower. The death toll of soldiers then fell and she was lauded a hero.
The death toll actually rose with Flo at the helm. More soldiers died from cholera, dysentery, typhoid and other illnesses contracted in these conditions than they did from actual battle wounds.
In fact Flo thought that the disgusting food was responsible for the rise in deaths at the hospital; not hygiene!
In-fact it was then Prime Minister Lord Palmerson who suggested better ventilation and regularly cleaning the sewers would help. After this clean up the death rates fell, and when clean water was introduced they dropped even more dramatically.
But Florence didn't rest on her laurels. The hospital was in complete chaos, severely underfunded and lacked even basic equipment, like soap! So Flo poured her own money into the war effort and raised vital funds for the hospital back home.
With a direct line to the British Government she could bypass all the red tape and official channels and get equipment and supplies sent to her much faster. So Flo did save lives… just not in the way people think.
Flo also fought against SO MUCH STUPID SEXISM. Those in charge of the war efforts did not like this woman coming in and telling them how to run their hospitals.
One, Sir John Hall, even tried to starve her out of the Crimean War by demanding Florence be given no rations! She outsmarted him by bringing a huge supply of her own food and Sir John was left backing away, tail between his legs.
Once she returned home from the Crimean war Flo opted for a quiet life or sorts. It was both a choice and an inevitability as she had picked up a very vile lurgie that left her bed bound for the final decades of her life.
But bed couldn't stop her from kicking arse.
Flo spent the rest of her life fighting to administer new procedures (including the cleaning tips she picked up in the Crimean war) in future war hospitals. She was responsible for setting up a Royal Commission that kept an eye on how the army ran their hospitals and what they were doing to look after their troops health.
She revolutionised British Hospitals back home too, fighting to get her procedures instituted and writing reports on good hospital practice. She even opened her own nursing school.
Ok so maybe Flo wasn't the most tactful or sympathetic nurse but she was a trailblazer.
Not only that, but she did most of her work whilst lying in bed. I don't know about you, but the most impressive thing I've done in bed is managing to not spill pizza all over the duvet.
This was interesting, where do I find out more: Well Hugh Small has written a great book on Flo Florence Nightingale: Avenging Angel (great title for a movie) And has a more in depth bio on her coming out this August. And if you like your history gossipy Lytton Strachey's Emminent Victorians is a fun and thorough read.


text:
Ralph Y. Liu is the Founder and Chairman of California-based Advanced e-Financial Technologies, Inc. (AeFT).
AeFT is currently a research and consultancy firm. It has been one of the major providers for financial innovations in the new real estate and property derivatives field since its inception in 2001. AeFT's earlier seminal REIFO venture attempt in early 2002 on REIFO Exchange was regarded as the first on-line real estate futures and options exchange in the global financial derivatives industry. Here below are some published references on the original project for establishing and clarifying patent prior art purposes:
Futures and Options Week, "First Online Exchange for Real Estate Futures", Vol. 7, Number 36, September 16th, 2002 (Page 3).
Risk Magazine, "Building A Hedge for Housing", Feature, December 1st, 2002.
John Rubino's book, "How to Profit from the Coming Real Estate Bust – Money-Making Strategies for the End of the Housing Bubble"; Published by Rodale, 2003; ISBN 1579548709, 9781579548704; pages 226-227.
Risk Magazine again, "Universal Hedging", Feature by Nick Sawyer, March 6th, 2003.
"Contract Market Viability" by Gordon C. Rausser and Henry L. Bryant, April 2004.
Comments on Session "Aggregation Issues" by Professor Robert J. Shiller, BIS Paper No. 21, Part 26, Page 338, April 2005.
The REIFO project fostered the subsequent interests and efforts by many other industry participants to start exploring in this emerging field. The housing-led financial crisis that started to appear in early 2007 has made its earlier extensive research and development work in the preceding years coincidentally very relevant and timely.
In early 2006, AeFT pioneered the development of real estate index derivatives into more user friendly consumer financial products. Notable examples are its patent pending SwapRent (SM) instruments to facilitate the newly created "economic renting, owning and switching" concept as well as the related new generation of mortgage products such as HELM, PELM and FVCM for property owners and investors in countries located in many parts of the world.
Upon introducing this radically new simplifying and unifying consumer "economic renting/owning" or "economic own-rent switching" concept, Ralph has been able to provide the similar economic benefits, traditionally offered only by complicated financial derivatives in the past, to homeowners and investors without having to resort to those traditional complex derivative instruments, since most consumers are already very familiar with the many differences between the financial transactions of owning and renting a real estate property.
Through its REIDeX subsidiary (a prototype is currently located at http://www.REIDeX.com for illustration and public education purposes), it provides a marketplace for the trading and settlement support of the three types of SwapRent (SM) contracts (Generic, AG and DP) and other property index-linked derivatives on both residential and commercial properties.
Due to the fact that the SwapRent (SM) system and its embedded mortgage product HELM were originally invented based on an efficient flexible and reversible shared economic ownership concept that is coincidentally ideologically consistent with the equity based profit sharing principles of Islamic finance, Ralph has devoted much of his time in the entire year of 2009 researching Islamic banking practices in order to develop a new generation of Islamic mortgage products based on a Sharia compliant version of SwapRent (SM) and HELM to introduce his new "economic owning and renting" concepts to the 1.66 billion of global Muslim population.
The existing so called "Islamic mortgage" seems to be almost a direct mirror image copy of the Western mortgages, but with an alternative name for the interest payments. Home owners and borrowers could still get foreclosed and burdened by the debt obligations. The newly invented SwapRent (SM) embedded mortgages products such as HELM and FARM were created to fix those exact problems by providing a genuine equity based home ownership. This exciting new type of housing finance products that was created under these Islamic finance principles was explained in the following blog post FARM (Flexible And Reversible Musharakah/Mortgage).
Subsequently, it has since evolved into a new home ownership structure called FARJHO (Flexible And Reversible Joint Home Ownership) which ends up providing similar ultimate economic benefits universally to both Muslim and Western consumers alike. For the first time people could finally own, occupy and use a residential property not only without Riba, the burdening of people through the borrowing or lending of money, but also get to hold on to the property under unforeseen future adverse economic situations.
The successful implementation of this new universal home ownership structure FARJHO by homeowners could potentially make the term "mortgage foreclosure" or "property repossession" obsolete, when borrowing is only allowed under the FARJHO proposed method, i.e. lending to partial owners only at the member level and not at the property level. Future defaulting members will be able to simply walk away quietly and be replaced without affecting other co-investors and most importantly, without disturbing the home occupiers.
When lesser credit-worthy aspiring home owners have already resorted to this new equity financing method, what is left for the banks to lend to will be much better credit quality home buyers/borrowers. More free market based consumer choices will always be a win-win situation for everybody under the uninhibited free market capitalism.
In the US, the legal entity structure selected back in 2010 to be used to implement the FARJHO concept going forward is the familiar LLC structure in order to corporatize American homes, one home at a time. People ought to know that borrowing should not be the only way to own homes. When this new concept and method take off, it could finally accomplish the goal of creating a liquid equity market for homes just like there have been liquid stock markets for major businesses in many countries since over 300 years ago already.
For current commercial FARJHO offering, please visit http://www.InvestorsAlly.com or for the non-profit operations at http://www.PeoplesAlly.org for low income working families.
Previously Ralph was the Chief Investment Officer and an Executive Vice President of China Everbright (Guang-da) Bank based in Beijing where he introduced the first RMB (CNY) – denominated interest rate swap to the Beijing inter-bank community that started the domestic derivatives industry in China.
Due to the newly created ability to manage the bank's asset and liability through these new interest rate swaps, he was able to design and launch the first long term fixed rate residential mortgage offered by the bank to the entire homeowners market in China as well as the first fixed rate corporate loans for corporate borrowers in the country. Using fixed interest rates to borrow from commercial banks was finally made possible for the first time for Chinese homeowners and corporate borrowers since the introduction of the free market concepts in the 80's by a previously central planning society under the Communist government.
Chinese business entities finally got to compete with American, Japanese or European companies on an equal basis at the global stage in terms of managing their own borrowing cost. Global MNCs doing business in China could hence manage their overall interest rate risks in the domestic currency RMB as well.
Due to this newly introduced capability for all the Chinese property mortgage borrowers to use fixed rate mortgages which was introduced, launched by China Everbright (Guang-da) Bank in January, 2006 and subsequently followed by many major commercial banks in China, homeowners in China may get to avoid a similar subprime mortgage lending fiasco by relying on transient low variable rates that happened in the US home mortgage markets.
Although the RMB lending rates have not moved sharply higher since then and the Chinese property market is continuing to be pushed higher by short term variable borrowing rates, the low interest rate environment may come to an end sooner or later and the credit-induced climb of the Chinese property market may subsequently also come to a halt as a result.
With a timely development of the SwapRent (SM) transaction service for homeowners and the SwapRent (SM) embedded HELM and FARM products in a new alternative complementary housing finance system, banks and other financial institutions in the future may easily get to escape the massive mortgage defaults and foreclosures that banks in places like the US, the UK, Ireland and Dubai have encountered in recent years.
Ralph built and ran a successful Singapore-based derivatives trading/risk management consulting and IT systems company in the 90's called ARMS (Advanced Risk Management Solutions, Pte. Ltd.) which provided services over 26 countries covering the entire emerging markets from Asia, Middle East to Central and Eastern Europe with a 4% global market share. Counted among clients were many major stock exchanges, futures and options exchanges, brokerage companies, banks and other financial institutions including central banks around the regions. ARMS' teams of financial engineers and traders would typically set up and run OTC derivatives trading desks such as interest rate swaps and FX options through joint ventures with local banks in the region.
Ralph was an innovator, creator as well as a prolific writer, speaker and educator that had helped shape the development of the financial markets in many of the Asian, Middle Eastern, and Central / Eastern European emerging economies in the 90's. Among many of his earlier academic publications and inventions, the VaR Derivatives and related new theories that he created were of particular interests to the financial enterprise-wide risk management community.
In his earlier years as a prominent derivatives banker in Asia, he was brought to Singapore from New York by UBS while a Vice President in sales, trading and risk management. With the early experiences gained on Wall Street, he successfully created many new innovative treasury businesses based on structured derivatives for the Asian banking community. He then moved on to be the Managing Director and Head of Structured Derivatives for Chase Manhattan Bank based in Hong Kong to run the entire Asian derivatives business with many more financial innovations and substantial business revenue results for the bank.
Ralph acquired his earlier training in financial derivatives and capital markets sales and trading through working at many prestigious Wall Street institutions such as Morgan Stanley, Chemical Bank (JP Morgan Chase now) and Equitable Life Assurance Society (AXA now), all based in New York City.
Ralph received his MBA in 1987 from the Wharton Business School after he completed many other graduate degrees and studies in computer information science and chemical engineering from various top American universities (Penn, Michigan and Rice).
Ralph was born in Taiwan and holds both US and EU citizenships as well as an Australian, Singapore, Hong Kong and China Permanent Residence. He speaks fluent Chinese and understands basic Russian. He lives in Rancho de Liu in Southern California with his wife, children & their Arabian horses.
Here below are partial lists of references:
Press, Magazine and Book Coverage
"Swap Specialist Tries Novel Strategy", Hedge Fund Alert, Harrison Scott Publications Inc., April 14th, 2010 (page 6).
"A New Concept Aims to Resolve Problem Loans", by Bonnie Sinnock, National Mortgage News, March 10th, 2010, Web Version.
"SwapRent Aims to Help Resolve Today's Problem Loans and More", American Banker, SourcesMedia, Inc., March 9th, 2010.
"A new beginning", Islamic Home Finance, Islamic Business and Finance, Oct 09, Issue 46, CPI Financial, November 2nd, 2009, CPI Financial web link.
"Private sector home affordability strategies progress", Structured Credit Investor, Issue 155, October 7th, 2009.
"Game-Changers: New Financial Products and Platforms in Uncharted Territories", by John Jay, Senior Analyst, Aite Group, April 6th, 2009 (page 4 – 7).
"Entrepreneur Liu Sees A Derivative Solution for Homeowners", Dow Jones Newswires, September 4th, 2007.
"Product Proposed to Hedge Against Home Prices", Inside Mortgage Finance's Inside B&C Lending, August 24th, 2007.
"SwapRent (SM) Plan Matches Struggling Borrowers with Investors" MortgageDaily.com, July 10th, 2007.
"Profile: Ralph Liu – Back on the Ranch", Risk China Magazine (in Chinese), December 2006.
"Profile: Ralph Liu – Back on the Ranch", Asia Risk Magazine, July 2006.
"The Chinese Derivatives Market Is Way Too Seductive – An Interview by Cai Jin Magazine in Beijing, March 2006 (in Chinese), Page 1; Page 2; Page 3.
"China Takes Limelight", Derivatives Week, March 20th, 2006.
"The man behind the deal", The Hong Kong Standard, February 14th, 2006.
"Rancher Spurs Beijing to Accept Rate Swaps", Wall Street Journal, February 14th, 2006.
"PBOC lists rules for interest rate swaps", The Standard, February 10th, 2006.
"Entrepreneur Sees A Futures Market for Homeowners", Los Angeles Times, April 20th, 2003.
LA Times Article Web Version, April 20th, 2003.
"Universal Hedging", Risk Magazine, Feature by Nick Sawyer, March 6th, 2003, Web-link.
"How to Profit from the Coming Real Estate Bust – Money-Making Strategies for the End of Housing Bubble", John Rubino, Published by Rodale 2003, ISBN 1579548709, 9781579548704, pages 226-227.
"Preserving Your Home's Value", Business 2.0, February 2003.
"Building A Hedge for Housing", Risk Magazine, Feature, December 1st, 2002, Web-link.
"First Online Exchange for Real Estate Futures", FOW Week (Page 4), September 2002.
ASP Vendors Vie for Asian Business, Risk Magazine, October, 2000, Page 1; Page 2.
"Malaysian Bank Expands in Derivatives – ARMS Derivatives Trading Project", Futures and Options Week, June 1997.
"Banks Hold the Keys to Future of Malaysian Derivatives", Asia Times, December 1996.
"ARMS and the Risk Man", Futures and Options World, February 1996.
"Derivatives – Safest Tools Around", Business Monday, Taipei China Post, September 1995.
"Dabbling in Derivatives – Sound Money Market Is Essential", Indonesian Business Weekly, Jakarta, Indonesia, May 1995.
"Chase Derivatives Chief Quits Hong Kong for Base in Singapore", Business Times, September 27th, 1994.
"Foreign Banks Preparing for the Launch of RMB Currency Derivatives (in Chinese)", Hong Kong Economic Times, August 1994.
"Derivatives Demand Picking Up in S-E Asia", Malaysian Business Times, August 1994.
"Asians Tune in to New Instruments", South China Morning Post, August 1994
SwapRent (SM) and FARJHO (SM) Presentation File Version 7, "SwapRent (SM) and FARJHO (SM) – New Alternatives for Home Owners and Property Investors", November 1st, 2010.
"SwapRent (SM) as A New Alternative Economic Policy Management Tool for Governments and Central Banks", August 18th, 2010.
"The SwapRent (SM) Transactions for Homeowners, HELM and FARM – A New Alternative Housing Finance System", Housing Finance International (HFI), the Quarterly Journal of International Union for Housing Finance IUHF), Brussels, December, 2009 ( http://www.housingfinance.org ), Editor's Introduction.
"SwapRent-empowered FARM – An 8-minute Introduction", Written on August 18th, 2009.
"FARM vs. HELM – The Two Opposite Entry Points to Adjust Economic Ownership in Real Estate Property", Written in July, 2009.
"FARM – A New Type of Housing Finance Products without Foreclosure Possibility", Written in May, 2009.
"SwapRent (SM) Embedded HELM vs. SAM and SEM", Written in May, 2009.
SwapRent (SM) Presentation File, Version 6, "SwapRent (SM) – A New Alternative for Property Owners and Investors", July, 2009.
SwapRent (SM) Presentation File, Version 5, "SwapRent (SM) – A New Alternative for Property Owners and Investors", June, 2009.
SwapRent (SM) Presentation File, Version 3b, "SwapRent (SM) – A New Alternative for Property Owners and Investors", August, 2008.
Localizing homeowner credit risk decisions and management – why new SSEs (State Sponsored Enterprises) may be better replacements for the current GSEs in a new national housing finance system, July, 2008.
SwapRent (SM) Presentation File, Version 3, "The SwapRent (SM) Project for Municipalities (City and County Governments)", June, 2008.
REIDeX SwapRent (SM) Product Fact Sheet, March, 2008.
SwapRent (SM) Presentation File, Version 2, "REIDeX.com – The SwapRent (SM) Marketplace", A REIDeX, Inc. Presentation File, February, 2008.
"USPTO Patent Applications for SwapRent (SM) Transactions, the Related Property Derivatives Embedded Mortgage Products (HELM, FVCM), Structured Investment Assets (PILN, REILD), the OTC Market Place (REIDeX) and the Property Price Index Construction Methodology (SPIM)", Published by USPTO on 10/18/2007, USPTO Patent Application #: 20070244780 A1.
"PCT Patent Applications (WO/2007/111928): Real Estate Derivative Financial Products, Index Design, Trading Methods, and Supporting Computer Systems", Published by WIPO on October 4th, 2007.
"SwapRent (SM) – A New Alternative for Property Owners", An AeFT Business Product White Paper, Written on March 26, 2006 and Published on October 18th, 2007 (This is the original English version before being translated into the legalese of the Patent Application.)
SwapRent (SM) Presentation File, Version 1, "SwapRent (SM) – A New Alternative for Property Owners", An AeFT Inc. Presentation File, Written on March 26, 2006 and Published on October 18th, 2007.
"VaR and VaR Derivatives", Capital Markets Strategies, September, 1996.
"Pricing VaR Derivatives – A Capital Cost – Based Approach" Financial Products", April 3rd, 1997.
"VaR Derivatives", Derivatives Week, September 1996.
"The Value-at-Risk Revolution", Finance Asia, May 1996.
"A Lesson in Financial Futures Trading", Asia Time Opinion, April 1996.
"The Futures Game", The Edge, December 1995.
The Alchemy of Asian Exotics, Risk Magazine, November 1995.
"Building for the Futures", Risk Management, Finance Asia, 1995.
"Managing Market Risks in Derivatives Trading", The InterData FinanceAsia Handbook, 1995.
"When the Standard Advice Fails to Reflect Asian Markets Realities", Asia Times, 1995.
"Currency Options Market – Euromoney Guide to Financial Techniques (in Chinese)", 1994, Page 67; Page 68; Page 69; Page 70; Page 71; Page 72.
Second International Think Tank on Housing Wealth, "House Prices and Risk", Melbourne, Australia, Organized by Durham University, Durham, England and RMIT University, Melbourne, Australia, 12-13 February 2009, Draft Conference Agenda.
Milken Institute Financial Innovations Lab, "Seminar of Housing Finance – Beyond the Crisis", Washington DC, Organized by Milken Institute, October 7th, 2008.
Harvard Business School Real Estate Symposium 2008, Organized by Harvard Business School, Cambridge, MA, February 9th, 2008.
Guest Speaker Series "A Talk on SwapRent (SM)", Finance Club, Drucker Graduate School of Management, Claremont, CA, Organized by Claremont Graduate University, Claremont, CA, November 6th, 2007.
Terrapinn Real Estate Derivatives World Conference, New York City, April, 2007.
Terrapinn Property Derivatives World Conference, London, June, 2006.
Keynote Speech at ISDA Annual General Meeting in Singapore, March 2006.
International Swaps and Derivatives Association (ISDA) 2006 AGM Presentation File on Chinese Financial Markets, Singapore, March 2006.
"Backroom Operations in Financial Institutions", The Asia Business Forum, Singapore, February 2000.
"Advanced Asset and Liability Management", ICM, Tokyo, Japan, November 1999.
ARMS Global Financial Series 1999, The Value at Risk Approach to Bank-wide Risk Management, Page 1; Page 2; Page 3; Page 4.
"CEO Breakfast Talk for the Insurance Industry", Malaysian Monetary Exchange (MME), Kuala Lumpur, July 1998.
"Asian Bonds '98", International Business Forum, Singapore, February 1998.
"Key Uses of Hedging Instruments to Protect Your Investment", International Business Forum, Kuala Lumpur, February 1998.
ARMS Asian Financial Series 1997, Managing the Risks in Trading Derivatives, Page 1; Page 2; Page 3; Page 4.
ARMS Asian Financial Series 1997, FX Options Trading and Their Structured Applications, Page 1; Page 2; Page 4.
"Value at Risk", ICM, Tokyo, Japan, September 1997.
"Credit Risk of Derivatives", AIC Conferences, Singapore, September 1997.
"Understanding Stock Warrants", Taiwan Stock Exchange, July 1997.
"Risk Asia Congress 97", AIC Conferences, Singapore, June 1997.
"Internal Audit 1997", The Asian Business Forum, Singapore, June 1997.
"Credit Derivatives Summit", Tokyo, Japan, June 1997.
Asian Credit Derivatives Summit 1997, AIC Conferences, Hong Kong, May 1997.
"Backroom Operations in Financial Institutions", The Asia Business Forum, Singapore, May 1997.
"Asian Securities and Investment Automation Congress – Exchange Tech", AIC Conferences, Kuala Lumpur, Malaysia, April 1997.
"Derivatives on Exotic Currencies", The Asia Business Forum, Singapore, March 1997.
"The 6th International Financial Markets Seminar, State Administration of Foreign Exchange (SAFE), Shenzen, China, January 1997.
"Trends in Risk Management Technology for Financial Institutions – VaR", AFMA TechnoFuture96, Sydney, Australia, December 1996.
"Currency Derivatives for Traders and Investors – FOW Asia Pacific Derivatives Exhibition", Singapore, November 1996.
"FX Options Trading and Their Structured Applications", Reuters, Seoul, Korea, September 1996.
"The 12th Asia Pacific Petroleum Conference (APPEC)", Singapore, September 1996.
"Internal Audit in Banking". IIR, Singapore, September 1996.
"Re-Engineering the Banks", AIC Conferences, Singapore, August 1996.
ARMS Asian Financial Series 1996, Value at Risk and Internal Risk Control.
"The '96 Asia Pacific Fund Management Conference", Strategic Forum Expertise, May 1996.
"Fund Management in Malaysia", IBC Technical Services, Kuala Lumpur, April 1996.
"Fund Management in the Philippines", Institute for International Research, Makati City, Philippines, March 1996.
"Fund Management Conference", AIC Conferences, Jakarta, Indonesia, March 1996.
"The Indonesian Fixed Income Conference", AIC Conferences, Jakarta, Indonesia, January 1996.
"Currency Derivatives for Traders and Investors", FOW Events, Singapore, October 1995.
"A Seminar on Understanding the Stock Options and Index Futures", Kuala Lumpur, Malaysia, October 1995.
"Uses and Advantages of Stock Index Futures for Stock Investors, Kuala Lumpur, Malaysia, October 1995.
"Taiwan Banking and Finance Conference", AIC Conferences, Taipei, Taiwan, August 1995.
"FX Options Trading and Their Structured Applications (in Chinese)", Reuters, Taipei, Taiwan, July 1995.
"The Risk and Danger of Derivatives", Asia Law and Practice Seminars, Hong Kong and Singapore, June and July 1995
"Derivatives for End-Users", AIC Conferences, Singapore, June 1995.
"Bond Analytics and Fixed Income Derivatives", Asia Business Forum, Emerging Markets in Asia, Singapore, May 1995.
IBF Managing Bond Portfolios – Bond Analytics and Fixed Income Derivatives, Singapore, May 1995.
IBF Managing the Risks in Trading Derivatives, Singapore, May 1995.
"FX Options Trading and Their Structured Applications, Reuters, Singapore, April 1995.
"Thai Derivatives Conference", AIC Conferences, Bangkok, Thailand, November 1994.
Sample Awards, Rankings and Event Photos
Signing Ceremony Photo of the First CNY (RMB) – denominated Interest Rate Swap in China, January 2006.
"Treasury Vendor Battle", Global Finance Magazine, May 1999″ALM Systems Ranking", Meridien Research, February, 1999.
"Most Popular Finance Web Site", FinanceWise Ranking, October 1998.
ARMS' ATMS Awarded Innovation Development Scheme National Science and Technology Board, Government of Singapore; Technopreneurship, June 1998.
ATMS Brochure.
Chase FX Options Seminar Photo, Penang, Malaysia, August 1994.


text:
Officers Cleared in Death of Apprehended Suspect
February 5, 2010 – No charges will be filed against two Escondido Police officers for the death of a parolee who was high on methamphetamine as they struggled to take him into custody, the District Attorney's Office announced Thursday.
Officers Jeffrey Dodds and Guy Yost tried to arrest Nathan Paul Sanderson, 53, of Escondido, on Sept. 21, 2008, for smashing a window with his fist, driving erratically, trying to take his elderly father out of a care facility and triggering a fire alarm as he ran from police.
While restrained, Sanderson passed out. The officers tried to revive him with CPR, but he was placed on life support at a hospital and died four days later.
An autopsy determined that Sanderson died from lack of blood and oxygen to his brain as a result of being given CPR while being restrained "for agitated and bizarre behavior."
District Attorney Bonnie Dumanis said the officers not only had the right but a duty to restrain Sanderson.
In a Jan. 21 letter to Escondido Police Chief Jim Maher that was released today, Dumanis outlined the events leading to Sanderson's death.
She said a friend of Sanderson called police about 6:20 p.m. on Sept. 21, saying Sanderson, just out of prison, was "wigging out" on methamphetamine. Sanderson's mother also called police, telling dispatchers, "he's gonna hurt somebody."
A final call to police came from the Life Care Center on Felicita Road in Escondido, where staff said Sanderson had arrived soaking wet, bleeding, and wanting to remove his elderly father. When officers arrived, Sanderson set off a fire alarm and ran outdoors.
When Dodds and Yost arrived, they held Sanderson facedown on the ground and radioed for backup and paramedics. They realized Sanderson wasn't breathing after they handcuffed him, so they began CPR. Paramedics took Sanderson to Palomar Medical Center, where he died after four days on life support. Blood tests revealed methamphetamine and marijuana in his system. Sanderson also had Hepatitis C, liver and lung disease and could have suffered a heart attack even without drugs in his system, according to Dumanis. The officers "had both a duty and an obligation to detain and arrest" Sanderson "as well as a duty to restrain him from harming himself or causing injury to themselves or anyone else," Dumanis wrote.
Posted in: Recent News


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Sitzmark Ski Club of Milwaukee, Inc. - Self guided paddle on the Wisconsin River.
Self guided paddle on the Wisconsin River.
We'll meet in Spring Green on Saturday (July 27) at 10:30 and paddle to Wyalusing, about 65 Miles over 4-5 days. We'll camp on the sand bars on the river. There is a shuttle set-up to drive us back to Spring Green when we finish. The food and drink on your own, but will are planning to have a few group meals. Planning meeting scheduled to finalize the plans and set-up food.


Cornell Law School honored the Class of 2014 at its convocation ceremony May 11. After a ten-year term, it was the final convocation presided over by Stewart J. Schwab, the Allan R. Tessler Dean and Professor of Law. Speakers: Moot Court Chancellor Jonathan Underwood, Carlo D. Villarama, and Vice Dean and Professor of Law Barbara J. Holden-Smith.


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Q: Codeigniter controller created when image not found I have a problem in CodeIgniter, and that is that when an image is not found on the server, the instance of a controller is created (besides the one that called the view).
I know all this can sound confusing, so this is the code to observe what I'm saying. I did this changes to a clean 2.1.0 CI version:
Add a controller to override the 404 error page, I added this one:
// add application/controllers/Errors.php
Class Errors extends CI_Controller {

    public function error_404() {
        echo 'error';
    }
}
// change routes.php
$route['404_override'] = 'Errors/error_404';

Use a controller that isn't the default one with an unexisting image, I used this:
// add application/controllers/Foo.php
Class Foo extends CI_Controller {

    public function index() {
        echo '';
    }

}

I couldn't figure out another way of debugging it, so I created a log to write the events on CodeIgniter.php:
// add on CodeIgniter.php line 356
$path = 'log.txt'; //Place log where you can find it
$file = fopen($path, 'a');
fwrite($file, "Calling method {$class}/{$method} with request {$_SERVER['REQUEST_URI']}\r\n");
fclose($file);

With this, the log that generates visiting the index function is the following:
Calling method Foo/index with request /test/index.php/Foo
Calling method Errors/error_404 with request /test/index.php/doesntexist.png

Which is the problem I have, an instance of the Error class is created.

A: that is that when an image is not found on the server, the instance of a controller is created

Not really. What I believe is happening is that, since you're using a relative path for the image (and calling it directly inside a controller, which is wrong because you're ouputting something before headers), your browser attach the image directly to the CI url, thus making this request to the server:
index.php/doesntexist.png

Which is (correctly) interpreted by CI as a request to a controller, which doesn't exists, and therefore it issues the error class.
You could do, in your actual code (I'd put the images in a view, though):
echo ''

using an absoluth path, or using the base_url() method from the url helper:
echo '

This should tell the server to fetch the right request (/test/doesntexist.png) and won't trigger that error.


Gift Certificates can be redeemed against any of our scheduled group classes, or for private classes.
This one night class is intended for the novice photographer with a DSLR camera or modern compact camera that has manual exposure controls.
This 4-week class is intended for newer photographers with a DSLR camera or modern compact camera that has manual exposure controls.
This class covers the basics of flash photography using pop-up and hotshoe-mounted external flash units.
Adobe Lightroom is designed specifically for digital photographers and offers powerful features to organize and edit your images. This three week class will introduce you to the power of Lightroom, which is an essential prelude to an efficient and effective digital workflow.
This 4-week course is designed to build on the information and skills presented in our Photo 2 class. This class goes deeper into issues of exposure and focusing, white balance, depth of field, getting sharp images with tripods, lens choice, macro and flash photography, composition, image formats, digital workflow and more.
This 2-week class covers the basics of off-camera flash photography and provides an opportunity to photograph a model.
In this 3-week class, we go into greater depth on image management, editing and efficient workflow in Lightroom.
In this information-packed three-session class, students will learn to photograph people on location.
This class will show you how to get the most out of the camera you carry everywhere - your phone camera.
This class will cover exposure and composition basics, and discuss techniques to create powerful landscape images.
This four-class practical series will teach you all you need to know about setting up and using a small studio.
An on-going series of workshops covering different and advanced photo editing techniques to help the experienced photographer take their images to the next level.
A one-day workshop using both small and large flashes, covering portrait lighting patterns, and 1-3 light setups to create classic looks.
All classes must be registered and paid in advance. To register for any classes please call Susan Francis at 407-227-6680 or visit the link above. If you leave the sign-up until the last minute you take the chance of possibly having that class canceled if there are not enough students registered. If you register and do not show up for a class you will forfeit the class fee, if you cannot make a class and call and cancel the morning of the class you will have a school credit towards any other class.


That I would reach you again someday.
Only the memories I preserved remained.
The sounds of falling tears resound.
Enough to surprise them a little.
Calls forth my memories of that day once more.
There will be no need to look back.
Hey, for now, I'm going to believe in my heartbeat.


text:
PHFA recognizes its top lending partners for 2020
By Pennsylvania Housing Finance Agency |
PUBLISHED: May 6, 2021 at 12:37 p.m. | UPDATED: August 20, 2021 at 3:30 a.m.
HARRISBURG, Pa., May 6, 2021 /PRNewswire/ — The Pennsylvania Housing Finance Agency today honored its top lending partners for 2020 during its annual homeownership awards event, which was held virtually this year due to the pandemic. These lenders provide a great service to Pennsylvania homebuyers by working with them through the application, processing, and closing of affordable PHFA home loans.
In addition to protecting the health of all event attendees, the virtual event allowed the agency to invite all its lending partners to participate this year. That hasn't been possible in the past due to space and cost limitations.
PHFA Executive Director and CEO Robin Wiessmann included a video message in today's presentation to honor these lending organizations for their assistance to commonwealth families and individuals that make their dream of owning a home a reality.
"The advantages people gain as homeowners are substantial," Wiessmann said. "When the home they purchase fits their budget, it helps them to build personal wealth and frees them up to pursue other areas for growth in their life, like continuing education. The partnership PHFA has with our lending partners helps us to fulfill our mission of providing Pennsylvanians with homeownership opportunities they might not have otherwise."
Pennsylvania Secretary of Banking and Securities Richard Vague also honored the awardees during a videotaped message.
"The lenders being recognized play a critical role in empowering and supporting homebuyers and homeowners across Pennsylvania," said Vague. "Their tireless efforts have helped so many Pennsylvanians realize the American dream of homeownership."
Out of approximately 76 lending partners, the Top-10 were honored during the event for their role in marketing and closing PHFA home loans in 2020. The award winners will receive plaques celebrating their outstanding loan performance after today's virtual event.
The awardees are, in ranking order from number one to number 10: Howard Hanna Financial Services; Mortgage America; Jersey Shore State Bank; Residential Mortgage Services; Trident Mortgage Company; Customers Bank; Quaint Oak Mortgage; PrimeLending, A PlainsCapital Company; tied for ninth place are Guaranteed Rate and TowneBank Mortgage; and Welcome Home Finance.
Also honored in special categories were: American Bank for Most PENNVEST Loans; The Honesdale National Bank for Best Quality Post-Closing Submissions; Philadelphia Mortgage Advisors and Residential Mortgage Services tied for Most New Construction Loans; Customers Bank for Most Loans to Minority Homebuyers; Jersey Shore State Bank for Most Homestead Loans; Mortgage America for Most Keystone Advantage Assistance Loans, Most Refinance Loans and Most Mortgage Credit Certificates; Howard Hanna Financial Services for Most Loans to Veterans and Best Quality Preclosing Submissions; and Paul J. Rodriguez with HomeSmart Realty Advisors for Top Realtor.
About PHFA
The Pennsylvania Housing Finance Agency works to provide affordable homeownership and rental housing options for older adults, low- and moderate-income families, and people with special housing needs. Through its carefully managed mortgage programs and investments in multifamily housing developments, PHFA also promotes economic development across the state. Since its creation by the legislature in 1972, it has generated more than $15.2 billion of funding for more than 182,570 single-family home mortgage loans, helped fund the construction of 138,000 rental units, distributed more than $121 million to support local housing initiatives, and saved the homes of nearly 50,400 families from foreclosure. PHFA programs and operations are funded primarily by the sale of securities and from fees paid by program users, not by public tax dollars. The agency is governed by a 14-member board.
Renae Hyson
rhyson@phfa.org
View original content:http://www.prnewswire.com/news-releases/phfa-recognizes-its-top-lending-partners-for-2020-301286023.html
SOURCE Pennsylvania Housing Finance Agency
Pennsylvania Housing Finance Agency
Shapiro's refusal to release inaugural donors exposes gap in Pa. law


So I had my 36th week doctor appointment last Tuesday, which was going to be a fun one cause she needed to test me for Strep B. Something that I was hoping I wouldn't have since my sister has had it with all 3 of her kids and had to have antibiotics pumped in her while going through labor. Just a simple pelvic exam with a cotton swab. Then she decided to check my cervix to see if I was dilated. YUP! She quickly said she thought I was going to go into labor anytime between now and the next couple of weeks because I was already 3cm dilated and 70% effaced. That kind of freaked me out because here I was 36 weeks and like 5 days and totally not ready to hear that yet! Yes, I am excited that we get to meet our little bundle of joy soon but I want her to cook a little longer, but I guess when she's ready, she's ready and there's no stopping it.
I am now 37 weeks and 4 days and no baby yet which is okay with me. I have my next doctor appointment tomorrow and I guess we'll see if I have progressed anymore than I already have. My biggest worry is that she'll be telling me to go next door to the hospital to get started since I've progressed a lot. I haven't really had any labor pains or Braxton hicks that much. I did have a bunch of non stop cramping yesterday, which I hear is the cervix thinning or something. Not sure.
I have been having really bad anxiety this past week ever since she told me that it could be any time. Like what if I don't know I am actually in labor until I am already at the 3rd and final stage of labor. I want to be able to make it to the hospital and get an epidural if I absolutely need it. Like I am I really going to be able to handle being a new parent? Things that every new mom probably thinks about, so I've tried to calm it down a little bit and just go with the flow. Having anxiety about labor and what's to come will only make it worse in the long run so I gotta turn it down a notch with my worries.
Good thing is though, I am Strep B negative, but my sister says that can change from now until birth. So weird and terrifying! Don't read horror stories about it, trust me.
So in the midst of all of this stress I've been putting on myself, I decided I needed a spa day with my siblings and best friend, so we went to Lavish Nails and got a pedicure. I could have used a 2 hour foot/leg massage but what we got was good enough and my fat sausage link toes looked cute, or as cute as they could look with how swollen they are.
Previous Post Baby Shower Time!
So close!!!! I was 3 and 80% for almost 3 weeks- but ,y labor went really fast and easy! I wish that for you too!!!
That is good to hear. Hopefully mine will be the same! I just got a check up today and I am still at the same progression I was 2 weeks ago.


Patchwork jacket for man in pure silk with blue tone. Notched classic lapel, flap pockets, ticket pocket on right side t... Patchwork jacket for man in pure silk with blue tone. Notched classic lapel, flap pockets, ticket pocket on right side to make the look more casual and two vents at back. 2 corozo buttons with straight buttonholes at front and 3 buttons with straight buttonholes for each sleeve. Buttonholes are open, rounded finish and length suitable for any height..
Bowtie made from 100% sky blue silk. Handmade.
Handkerchief made from light sky blue satin.


Ahhhh, Art & Soul has come to an end and I must say every day I had a class that I thoroughly enjoyed, and today was no exception! Julie Haymaker Thompson was an artist I have been aware of for more than a year (I think) and was so jealous when A&S Las Vegas had her on the class roster. Then one day I took a look at the classes and found her on the list! How could I not? SOOOOO very happy I did. Fortunately for us (not so much for Glenny) there were 4 students and we had 1 on 1 attention. How nice! Julie had the kits already made up, so when I'm going through all the ribbons and the base for the doll I'm thinking french for sure. So that is the direction I took her. The first picture is mine and the second is of the 3 of ours (1 lady had to leave early due to a family emergency) and Julie's original. The interesting part is we all started with the same materials but look how different we all did!
Crowabout StudioB unveiled today at Deviant Scrap!
My friend Nancy Baumiller is unveiling her new line of digital goodiness at Deviant Scrap today! She also asked me to part of her creative team and this is from her Borders and Bits kit (except for the parrot). She has fabulous kits (and some freebies too!) so please stop by and see what she has in store for us!
As soon as I get home from Art & Soul, I'm gonna be playing!!!
These are from a class with Gail Rossokov and I am smitten! We started out with magazine pages, cut and layered; edged with glue; used never dull and oil pastels; added tissue paper on 2 and sprayed with clear gloss. This are sooooooo much better in person - the intensity and the dimension are amazing. Everyone in class made fabulous art!!!!
These are the paintings - 2 are drawn and 2 are found. Can you tell which one is which? 1st and 3rd are found - design was in the background and I just had to emphasize them. They are my favorites.
This time I took the photos in class instead of fighting in the room with the light (or lack there of).
Loved this class - Stephanie Rubiano's Butterfly Boxes. Old photo and plywood... who knew? We started with a "baby" to get our cutting down before we went with our main image.
If you know me, I can't leave well enough alone - hand colored her and cut her a new pair of wings.
Then we cut our image for the box. Wish I had taken some photos. I'm thinking - I loved my angel from Thursday night's journal, so I figure what the hay... let me cut one out. So here she is!
Here is my finished box (just have to clean the glass and seal it up). Those are real butterfly wings she is sporting there! It was difficult to photograph. The caption on the bottom was from a very vintage riddle book and it says: what female name would an egg object to be called? Addle-laid (Adelaide). LOL - can't you tell its very old? They had a funny sense of humour back then. Fun huh?
I took 2 classes yesterday - the first with Michael Demeng (cave of pages) and then Soul Sisters (Tracy Bunkers and Juliana Coles) at Art & Soul - Hampton VA.
Th first class was so much fun! Honestly, I never thought about taking a class with Michael - but I am so glad I did. Its hard to see, but there are many layers inside the window. The bunny and the base were from free trophies someone brought, and it was a last minute stroll in the store that I found them. I painted the bunny a vertigris color, and left the base plain. Before I left the class room, someone offered to buy it!
The next class was later in the evening and I think I had about 45 mins to get to the room, grab what I needed and get to class. The book is one I had put together a few weeks ago using an old book but when I gut the insides, I cut the spine, so I had to come up with another option. There are 2 signatures of water color paper in there.
The first spread is the first one I started. Wasn't sure where I was going with it, so started the next one. Then came back and finished it. Liked the angel so much wait till you see what I made today!
This spread was fun - just laid images down and handcolored with my copics, then added stamps and watercolor crayons.
it's so funny... I love to make journals but I don't keep one... yet.
This is a book that I got for free... not so good unless you cover it.
had an old map and I thought that would be cool.
thanks to t!m for the lovely corners and label holder.
a good weight for paints, inks and so on.
I love the graphic look of it.
Remember the swap I was in for Remains of the Day pages? Well I got the package from Susie yesterday and WOWZA! They are amazing! 10 Fabulous pages and some extras from Susie to boot! I had this idea to bind them immediately! So I went out to my stash of old books to find the right size and here it is. I removed the papers carefully from the book without cutting the spine. I cleaned it up a bit and divided up my signatures. I cut some gasket material to fit the channel, used my piercing tool to mark the holes and sewed them in. I then took the signatures and used red line tape to put into the channel.
clean the edges on both sides.
Thanks to all that participated in the swap! LOVE THEM!!!!
thanks to Deviant Scrap - I've been playing with PSE.
only name I can think of for this one is 2 girls and a bird. what do you think ?
Marsha from Tumble Fish is part of Deviant Scrap, and in the forum there are challenges and all kinds of fun! This is for a "fish" challenge - called "she loved balloons". Most of it is digital (first time in a long time for that) and then hand embellished (couldn't figure out how to add the strings). Borders and background are from Marsha's digital kits she has available in the shop.
This is for a round robin journal for inthishouseandgarden.
I was in a swap for supplies and most of the items were from there... thank you Vicki!
So, no, this is not about my mom.


You have to start to question what is going on at Manchester United after captain Nemanja Vidic announced that he will leave the club at the end of the season.
"It's the last year of my contract and I have had eight wonderful years here. My time at this great club will always rank as the best years of my career," Vidic told United's website.
"I never could have imagined winning 15 trophies and I will certainly never forget that fantastic night in Moscow (when United won the UEFA Champions League), memories that will live with me and the fans forever.
Vidic's eight years at United has been littered with trophies, notably five Premier League titles, three League Cups and three Champions League finals including winning it in 2007-08.
I understand that David Moyes wants to put his own stamp on the club, but it has to send up warning flags to supporters when neither the captain or vice-captian (Patrice Evra) where offered new contracts and are leaving at the end of the season.
This is a club that has always prided itself on the United way, how the veteran players set the standards and expectations for the rest of the squad. But with the departure of Vidic, Evra and Ferdinard, plus the expected retirement of Ryan Giggs, who will be the veteran forces in the United dressing room?


Michael Horan enters his 11th season as an assistant coach for Harvard football in 2019. Horan is in his eighth season in the top position with the defensive line after serving for three years as assistant defensive line coach.
He recruits student-athletes in the southwest United States, including Texas and Oklahoma.
The defensive line helped the Crimson to its 17th Ivy title in 2015 by allowing just 13.0 points per game. Defensive end James Duberg was named to the All-Ivy second team after registering 16 tackles and four quarterback hurries.
In 2014, the Crimson posted the program's 17th undefeated, untied record, going 10-0 overall and winning the team's 16th Ivy title. The defensive line was at the center of the championship run, helping the Crimson rank first in the nation in scoring defense (12.3 points allowed per game) and fourth in rushing defense (86.8 yards allowed per game). Zack Hodges was named the co-recipient of the Asa S. Bushnell Cup, as Ivy Co-Defensive Player of the Year, and was one of three defensive linemen to be named to the All-Ivy team.
Horan's defensive line helped Harvard claim its 15th Ivy League title in 2013. The squad made up the nation's sixth-best rushing defense (97.3 yards allowed per game), while the Crimson's scoring defense came in at 25th allowing just 22.7 points per game. Harvard recovered 13 fumbles to tie for 15th nationally and lead the Ancient Eight, while Zack Hodges was the recipient of the Asa S. Bushnell Cup.
In Horan's first season heading up the defensive line, the group helped Harvard lead the nation in rushing defense (69.4 yards allowed per game) and sacks (4.2 per game). Defensive ends Zach Hodges and John Lyon '13 ranked among the nation's top 20 in sacks per game, and three linemen earned All-Ivy honors.
In 2011, defensive tackle Josue Ortiz '12 was named the Ivy League's Defensive Player of the Year and was an All-America selection. Harvard's defense led the Ivies in scoring defense, rushing defense and sacks and ranked among the nation's top 15 teams in each of those categories.
Since graduating from Bates College in 2005, Horan has coached at four colleges and one high school. He began his coaching career at Stoughton High School, where he worked as an assistant coach under his former head coach, Greg Burke. After one season at Stoughton, Horan moved on to become the tight ends coach at Curry College. During his time at Curry, the Colonels went undefeated in the regular season, captured the New England Football Conference championship and qualified for the Division III playoffs.
In 2007, Horan was named linebackers coach at Kings Point, and in 2008, he moved to Wagner, where he coached the defensive backs.
At Bates, Horan was a senior captain and a two-time All-New England Small College Athletic Conference selection at safety as well as an All-ECAC pick in 2004.
Horan resides in Waltham, Massachusetts, with his wife Susie and son Thomas.


text:
What's On Red Button 18th - 25th August
Post categories:	red button
Tess Foster | 06:00 UK time, Saturday, 18 August 2012
Reading & Leeds
Catch this year's Reading and Leeds festival over the bank holiday weekend on the BBC Red Button, BBC Three, Radio 1 and online at BBC Reading & Leeds
Coverage on Red Button starts on Friday 24th August at 7pm and will feature sets from Foster the People, Maccabees, Graham Coxon and many more. We return at 7pm on Saturday 25th August, including Kasabian, Florence + the Machine and The Cribs. Sunday starts earlier at 4pm, featuring Foo Fighters, The Horrors and sets from the entire weekend.
Viewers on Sky, Virgin and Freesat will have a choice of bands from the Main Stage and the Radio 1 / NME stage using the Red Button multiscreen. Viewers on Freeview will be able to see a different band about every half hour on Red Button and channel 301. We'll also be bringing you a selection of tracks from up and coming new bands on the BBC Introducing stage.
From Monday 27th to Friday 31st, catch a different 'best band' each and every day (availability varies on Freeview).
Join in the conversation on Twitter all weekend with #bbcreadingfest
Freesat/Sky/Virgin Media:
Fri 24th August, 7:00pm-2:00am
Sat 25th August, 7:00pm-2:00am
BBC Three Comedy Marathon
Recorded as live on Friday 17th August, BBC Three's all-night Comedy Marathon showcased the best of this year's Edinburgh Festival and featured some of the biggest names in comedy alongside the most exciting new talent. MCs Chris Ramsey, Andrew Maxwell and Susan Calman were joined by our presenter Jameela Jamil and over forty different performers across the night including Carl Donnelly, Marlon Davis, Cariad Lloyd, Tony Law, Daniel Sloss, Jimeoin, Jason Byrne, Phil Kay, Nina Conti, Ellie Taylor and Totally Tom. This is the spirit of the Edinburgh Fringe, brought to you late night on BBC Red Button.
From Monday 20th August, you can press red to enjoy the Comedy Marathon highlights.
Sun 19th August, 9:00pm-5:00am
Tue 21st August, 9:00pm-4:00am
Wed 22nd August, 9:00pm-4:00am
Thu 23rd August, 9:00pm-4:00am
Tue 21st August, 10:10pm-4:00am
Radio 4 at the Edinburgh Fringe
Press red to watch a special edition of Mark Steel's in Town. Mark travels to Leith for this episode of his Sony Gold award-winning Radio 4 series, meeting the locals and discovering the stories of the town.
Mon 20th August, 7:10pm-6:00am
Tue 21st August, 6:00am-6:00am
Wed 22nd August, 6:00am-6:00am
Thu 23rd August, 6:00am-4:00am
Tue 21st August, 6:00am-7:25pm
Wed 22nd August, 4:10am-6:00am,6:00am-8:50pm
Thu 23rd August, 4:10am-6:00am, 6:00am-2:50pm, 6:10pm-8:50pm
Deadly 60 Quiz
Are you ready to take on the deadliest quiz ever? Steve Backshall is returning with some more deadly round-the-world adventures. Deadly 60 fans can get a whole lot extra by pressing red to play along with the new Deadly 60 Quiz. Finally you can find out if you've got the world's most deadly mind.
Deadly 60 devotees will get a sneak peek at series 3, through a deadly dozen of quality questions, with Steve helping you along the way. Do you know your Hippos from your Hyenas? Your Humpbacks from your Hammerheads? See if you can get a deadly dozen correct! You can even play again and improve your score.
The Deadly 60 Quiz - play it now if you dare!
Available on Sky/Freeview
Sat 18th August, 7:00am-7:00pm
Sun 19th August, 7:00am-7:00pm
Mon 20th August, 7:00am-7:00pm
Wed 22nd August, 7:00am-7:00pm
Thu 23rd August, 7:00am-7:00pm
Fri 24th August, 7:00am-6:30pm
Sat 25th August, 7:00am-11:20am
Sun 19th August, 7:00am-10:20am
Mon 20th August, 7:00am-10:20am
Fri 24th August, 7:00am-10:20am
Secret Fortune - Play Along Quiz
The National Lottery: Secret Fortune - The ultra-tense quiz show with lots of twists returns to BBC One, hosted by Nick Knowles.
Studio contestants compete to win their Secret Fortune, anything from £100 to £100,000. Press the Red Button during the show to play along at home with the contestants. What would your Secret Fortune be?
Available on Sky/Freeview:
Sat 18th August, 8.20pm-9.10pm
Sat 25th August, 8:30pm-9:20pm
CBBC Extra
Press red on the CBBC channel this week and join Chris and Dodge T. Dog as they introduce exclusive clips from a wealth of CBBC goodies including Deadly 60 and Marrying Mum and Dad. Dodge and Hacker also get their dancing grooves on behind-the-scenes of all new Alesha's Street Dance Stars!
You can also read Chris and Dodge's blog, answers to some of your questions, read your horoscopes and see if the jokes that made Chris and Dodge LOL will have the same effect on you.
Go on, press red... You know you want to!
CBBC Extra website
Mon 20th August, 7:00am-10:00am,3:00pm-6:00pm
Tue 21st August, 7:00am-10:00am,3:00pm-6:00pm
Wed 22nd August, 7:00am-10:00am,3:00pm-6:00pm
Thu 23rd August, 7:00am-10:00am,3:00pm-6:00pm
Thu 23rd August, 3:00pm-6:00pm
BBC Red Button welcomes younger viewers and grown-ups with a sense of adventure to the big, bright and fun world of CBeebies interactive!
Your children's favourite characters are at the heart of the interactive TV experience. Satellite and digital terrestrial viewers will have slightly different offerings from one another. This has enabled the Red Button team to offer the best games tailored to each system.
CBeebies Red Button is available on the CBeebies channel, and via page 5900 on other channels.
CBeebies website
Available on Freeview and Sky only
BBC Sport Multiscreen**
Football: Match of the Day
MotoGP: Indianapolis Moto 2 and 3 races.
Live Athletics - Lausanne Diamond League.
**Note all Red Button times are subject to change at short notice
Staff from the BBC's online and technology teams talk about BBC Online, BBC iPlayer, and the BBC's digital and mobile services. The blog is reactively moderated. Posts are normally closed for comment after three months. Your host is Eliza Kessler.
Subscribe to BBC Internet Blog
You can stay up to date with BBC Internet Blog via these feeds.
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Only BBC channels not coming in properly?
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Links to conversations and stories about the BBC's online activities. The links on this blog and its delicious stream are chosen by Eliza Kessler and Nick Reynolds. Follow @bbcinternetlinks on Twitter.
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This Roller Blind Parts Suppliers was added to Visit My Door at . This high definition desktop background is a jpg image with a ratio of 4:3. This wallpaper background has 1698 Kb filesize and archived in Door, Window category.
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