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All The Perverse Angels
By Sarah K. Marr
Spanning Victorian Oxford to the London of the 1980s, "All the Perverse Angels" is a novel about the nature of loss and the confusion of love, about the stories we are told and the stories we tell ourselves
On Sheds and Publishing with Unbound
So, here it is, the first post in the Unbound 'shed' for my novel. Welcome. For comparison purposes, here's a picture of the actual shed in which I wrote a great deal of the book. (And in fairness to my mother, who built it, I feel duty-bound to point out that it's more of a summer house than a shed.)
John Mitchinson has been kind enough to say a few words about why Unbound accepted "All the Perverse Angels" for crowdfunding and publication—you can read them on the Unbound blog—so I thought I'd reciprocate with some thoughts on why Unbound is such a good match for the novel. I shan't repeat everything in the mission statement, but do take a look at it if you have a moment. Theirs is an approach to publishing which has produced books from well-known authors, and led to bestsellers and the Booker long-list. But, for shed purposes, here's a more personal view.
Since completing the final draft of the novel I've had responses from publishers which are almost universally of the same form: "love the book, but hard to place it in a market". Unbound's approach, for me at least, comes down to, "love the book, so let's find the market". And to support that task—part search, part act of creation—Unbound have established a platform which allows me to stand behind my own work and reach its audience. What's more, the result of achieving our crowdfunding goal is more than just print between cardboard covers: it is a professionally produced book, backed with expertise in editing, design, publicity, ... In short, it is precisely what both author and reader would expect from a publisher, irrespective of that publisher's approach to funding.
On the other hand, it must be acknowledged that Unbound's approach does require the crowdfunding of this first-time novelist's literary fiction. That is no small challenge, and it is a challenge which I would not have approached at all if I did not believe that Unbound and I can together deliver a book worthy of your support. Hopefully, the synopsis and chapter extracts, together with John's blog post for Unbound, will convince you of the same.
Finally, as tangible proof of the existence of written words on paper pages, here's a picture of the "first first edition" of the novel, which I printed and bound at home, for family to read. It's resting on top of a first edition of Swinburne's "Poems and Ballads", itself the source of a Victorian scandal, and destined to be the subject of a later shed post.
107 pledges
First edition hardback book, and e‐book edition


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Banking reforms could make the UK a sustainable finance hub, but also threaten financial stability
In: Business
Relaxing some banking rules could affect the stability of the UK's financial sector, largely based in the City of London. Dmitry Naumov / Shutterstock
The UK government wants to rewrite the rules designed to keep the country's banks and financial institutions stable – again. The so-called Edinburgh reforms announced recently by UK chancellor Jeremy Hunt will "unlock investment and turbocharge growth in towns and cities across the UK", he says.
The government is certainly heading in the right direction in some areas, including new measures on sustainable finance. Hunt has promised a 2023 update to its original green finance strategy, published in 2019. This includes regulating the environmental social and governance (ESG) ratings providers from which financial firms get data for green investment and lending decisions.
It will be a challenge to standardise this sector since there were more than 600 ESG ratings and rankings in 2018 and the industry has only continued to grow since. But government plans to work with regulators to safeguard transparency and good market conduct in this area could help the City of London to become a global centre for sustainable finance.
On the other hand, some of the regulations that Hunt wants to reverse were only recently introduced in response to the 2008 global financial crisis. Relaxing them could jeopardise the UK's financial stability. What has changed in less than 15 years to warrant a relaxation of these rules? The short answer is nothing. In fact, history seems to be repeating itself.
The Great Depression of the 1930s – the longest and deepest global economic crisis of the 20th century – was triggered by a catastrophic failure of financial markets and banks. Banking legislation introduced afterwards aimed to separate investment banking from commercial banking to protect customer deposits and ensure financial stability.
This was all forgotten during the wave of banking deregulation in the 1980s and 1990s. Reversing these post-depression separation rules basically prepared the ground for the 2008 global financial crisis. After that downturn, ring-fencing was reintroduced in both the UK and the US (via the Volcker rule).
UK chancellor, Jeremy Hunt.
Alexandros Michailidis / Shutterstock
This is why it was surprising when UK chancellor, Jeremy Hunt, announced the Edinburgh reforms in December 2022. These changes will relax three important protections that were created after the global financial crisis to address some very specific contributing factors to that crash.
1. The ring-fencing of bank capital
When retail banks ring-fence a certain amount of capital it protects them from shocks originating elsewhere in their business, such as a risky investment or overseas activities. From a bank's point of view, it increases the level of shareholder capital it must hold rather than invest, which makes the bank less profitable. A recent independent UK review recommended tweaking ring-fencing regulation slightly to change its scope to focus on large, complex banks. However, it reinforces its fundamental role in protecting the money people deposit with banks in basic savings and current accounts.
Increasing the level of shareholder capital banks must hold was a major post-GFC regulatory change because the levels had not properly cushioned banks' losses during the crisis. This is partly why billions of pounds of taxpayers' money was spent bailing out failed banks in the UK after the 2008 crash.
2. Senior management accountability
Excessive risk taking by some bank executives was another factor in the fall of the banking sector in 2008. Flawed compensation schemes that encouraged short-term thinking encouraged many managers to take high stakes bets with no liability. After the crisis regulators introduced measures to discourage such excessive risk taking. This included bonus caps – since removed by the previous chancellor – and clawbacks of previous bonuses for any serious wrongdoing in the run-up to the financial crisis.
The current chancellor is taking this a step further with a review of a key regulation introduced to increase senior bank managers' accountability. UK regulators recently reported that this rule – the senior managers and certification regime – is curbing risk appetite quite effectively, with 94% of managers seeing a positive impact on behaviour and culture in banks as a result.
3. Securitisation
Restrictions on the sale of a group of loans or mortgages as a bundled financial product – or securitisation – will also be reconsidered under Hunt's plan. A government review last year recommended relaxing such criteria, but there is also abundant evidence that securitisation destabilised banks during the 2008 crisis.
The use of these products contributed to deteriorating lending standards at many banks because the bundled nature of these products essentially made them opaque. Once a financial innovation that was heavily praised by leading policy makers, securitisation was actually a major cause of the global financial crisis.
Varying support
Regulators have voiced concerns about damage to financial stability due to any relaxation of rules – both current and former Bank of England staff. Senior European Central Bank figures have also criticised similar efforts to dilute EU banking regulations.
Perhaps unsurprisingly, some city figures are largely in favour of these changes. City minister Andrew Griffith has said he is "assured" that banks are safe, for example.
But no one predicted the 2008 global financial crisis either. Also, banking sector risk can accumulate over time. Relaxing the rules is unlikely to lead to an immediate crash, but risk could build up in the financial system over the next 5 to 10 years following any changes.
The global financial crisis has cost Britain up to £7.4 trillion in lost output alone. It has also had significant negative long-term effects on global economic growth and income inequality, among many other issues.
Boosting economic growth by making the City internationally competitive may be successful in the short term. But rolling back these key regulatory measures all at once could jeopardise the UK's long-term financial stability.
Alper Kara does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.
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redpajama_set_name: RedPajamaCommonCrawl


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McGuire AFB is een vliegbasis en plaats (census-designated place) in de Amerikaanse staat New Jersey, en valt bestuurlijk gezien onder Burlington County.

Demografie
Bij de volkstelling in 2000 werd het aantal inwoners vastgesteld op 6478.

Geografie
Volgens het United States Census Bureau beslaat de plaats een oppervlakte van
5,4 km², geheel bestaande uit land.

Plaatsen in de nabije omgeving
De onderstaande figuur toont nabijgelegen plaatsen in een straal van 12 km rond McGuire AFB.

Externe link

Plaats in New Jersey
Vliegbasis in de Verenigde Staten

redpajama_set_name: RedPajamaWikipedia


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ATTYT – What Is Meaning Of ATTYT?
The ATTYT isn't anything. It is incorrectly spelled by an American Telephone and Telegraph Co. "AT&T". Thus, the ATTYT Full Form is "American Telephone and Telegraph Co". It is otherwise called "Lawyer", and "A Thousand Thank Yous".
AT&T Inc. is the parent organization of a US global aggregate enrolled in Delaware yet settled in Whitacre Tower in midtown Dallas, Texas. It is the biggest media communications organization on the planet and the biggest supplier of versatile administrations in the United States.
Fundamentally ATTYT means "American Telephone and Telegraph Co". We are giving you the table which contains all subtleties of ATTYT in Hindi significance.
What is Attyt?
Assuming you're searching for an equivalent word for attyt, consider the four-letter abbreviation AT&T. This word has similar letters as shabby and attyt, making it an ideal match when composing it into a web search tool. This will give you nine matching expressions. In this way, assuming you need to be certain you've found an appropriate attyt, make certain to look at the definition on Wikipedia and search for it in a web-based word reference.
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The AT&T logo is the organization's logo, trademark, and business name. This is one of the most well-known AT&T logos in the United States, yet recollect that the organization has different names.
Attyt Quater
Attyt is a worldwide broadcast communications organization. Its central command are situated in Atlanta. The organization has more than 100 auxiliaries in the United States. A few of them are settled in Dallas, Texas. Its corporate base camp are in Houston, which is close to the World Trade Center site. Assuming you're considering a big motivator for AT&T, it's a global media communications partnership. A wireless specialist co-op gives telephone administration to a large number of individuals in excess of 185 nations.
Until 1984, the organization held an imposing business model on telephone utility in the United States and Canada. Through its organization, AT&T had the select right to call and get calls. Its workers went from legal counselors to ranchers to money managers. This is an illustration of a grounded telecom association. The organization had an assorted labor force and a worldwide presence.
What dinosaur has 500 teeth? Every Possible Information
Attyt framework
The organization extended its organization and its activities until 1913, when it gained Western Union message. This brought forth the attyt telephone framework. What's more, the organization converged with a few different organizations, including the Kingsbury Commitment. This obtaining permitted AT&T to turn into the world's biggest telephone and link organization. Starting today, AT&T has in excess of 170 auxiliaries in various nations. Its auxiliaries remember an assortment of organizations for the field of correspondence.
The very good quality fiber bundle presented by Attyt offers almost gigabit speeds. Notwithstanding, there are a few disservices to this bundle. Despite the fact that it is more costly than other similar administrations, it is great for clients who need gigabit speeds for moving enormous records. Likewise, it incorporates a $20 rate climb after the primary year.
Regardless of whether you live in a rustic region or a metropolitan region, attyt inclusion may not be really that powerful in the city. In country regions, specialist co-ops may not be however solid as they seem to be in metropolitan regions. Notwithstanding the area, AT&T is regularly accessible. A decent specialist organization can give inclusion in your space. Be that as it may, in provincial regions, the organization can be less dependable. Really look at the inclusion of an attyt network.
There are numerous sorts of abbreviations. Some are framed from a couple of catchphrases in a more drawn out express. Different truncations are worked with the primary letters of a morpheme. Along these lines, you can find an abbreviation that represents the name of an individual or an organization. A TICA represents The International Cat Association. Other normal instances of ATTYT are T3 and SoHo, and ATTYT is the American Telephone and Telegraph Company.
Often Asked Question for ATTYT
1. What does ATTYT stands for?
Reply: The ATTYT means "American Telephone and Telegraph Co", "Lawyer", and "A Thousand Thank Yous".
2. What is the Full Form of ATTYT?
Reply: The full types of ATTYT is "American Telephone and Telegraph Co".
3. What is the ATTYT full structure in Hindi?
Reply: There are many Full Forms of ATTYT in Hindi is "American Telephone and Telegraph Co" = "अमेरिकी टेलीफोन और टेलीग्राफ कंपनी"
Meaning Of ATTYT
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Brand New Battery Type: Li-ion Long Life Voltage: 3.6v – 3.7vCapacity: 1000 mAh Integrated microchip prevents overcharging & lengthens battery life No Memory Effect Retails for $ 49.99Quantity: 1One Year Warranty New Batteries should be charged for at least 12 hours before first use .Replaces: OLYMPUS LI-30B OLYMPUSMINI DIGITALAZ1STYLUS VERVE.
This wide angle 28mm F2.8 lens offers excellent contrast and resolution and is ideal for shooting indoors or on the street without producing forced perspective. For photo enthusiasts who use either or both a 35mm full frame format camera or an APS-C format camera, this lens is a must-have! It is compact and lightweight and is a versatile, convenient choice for use either as a main or second lens.


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85 UN Member States Say Iran Must Improve Its Human Rights
Resolution Passes UN General Assembly Third Committee
November 16, 2016—The International Campaign for Human Rights in Iran welcomes the United Nations' adoption of a resolution expressing serious concern over numerous human rights violations in Iran, including the systematic use of arbitrary detention and discrimination against women and minorities, as well as the "alarmingly high" frequency and application of the death penalty in Iran.
Resolution A/C.3/71/L.25, which was passed by the UN General Assembly's Third Committee on November 15, 2016 with 85 nations voting in favor, 35 against and 63 abstentions, also called on Iran to cooperate with the UN by allowing its special rapporteur to visit the country.
"The international community has spoken: Passage of this resolution by 85 UN member states indicates there is broad agreement that the government of Iran must improve its human rights record in areas such as executions, the suppression of peaceful dissent, and discrimination against women and minorities," said Hadi Ghaemi, the Campaign's executive director.
"If there was any attempt by Iran to address its human rights violations, we would not see the Third Committee pass these resolutions year after year," added Ghaemi. "Iran needs to engage directly with the UN mechanisms and address these abuses."
The resolution called on Iran to "end the continued and sustained house arrest of leading opposition figures from the 2009 presidential election despite serious concerns about their health." Mir Hossein Mousavi, his wife Zahra Rahnavard, and Mehdi Karroubi have been under house arrest in Tehran for almost six years for supporting the Green Movement, which grew out of peaceful protests against the widely disputed result of that election.
Specifically, the UN resolution expressed "serious concern" over Iran's application of the death penalty, which it uses for crimes that do not qualify as the "most serious" crimes, for juvenile offenders, and with "disregard for internationally recognized safeguards."
It urged the Islamic Republic to end the "widespread and systematic use of arbitrary detention" and to uphold "fair trial standards."
The resolution called on Iran to end the "serious restrictions, in law and practice, on the right to freedom of expression, opinion, association and peaceful assembly…[and the]…persecution of political opponents, human rights defenders, women's and minority rights activists, labour leaders, students' rights activists, academics, film-makers, journalists, bloggers, social media users, media workers, religious leaders, artists, lawyers and persons belonging to recognize and unrecognized religious minorities."
The resolution "strongly urged" Iran to eliminate "all forms of discrimination" against women and girls, specifically citing freedom of movement, equal protection and access to justice, the practice of child and forced marriage, and the need for "equal participation in the labour market and all aspects of economic, cultural, social and political life."
It also called upon Iran to end the "denial of access to adequate medical treatment" in the country's prisons.
The resolution urged President Hassan Rouhani to turn his human rights pledges "into concrete action that results in demonstrable improvements as soon as possible" and ensure that Iran honors its obligations under international human rights laws.
The UN resolution also called on Iran to "deepen its engagement with international human rights mechanisms" by:
"(a) Cooperating fully with the special rapporteur on the situation of human rights in the Islamic Republic of Iran, including by accepting the repeated requests made by the special rapporteur to visit the country in order to carry out the mandate;
"(b) Increasing cooperation with other special mechanisms, including by facilitating long-standing requests for access to the country from thematic special procedures mandate-holders whose access to its territory has been restricted or denied, despite the standing invitation issued by the Islamic Republic of Iran, without imposing undue conditions upon those visits;
"(c) Implementing all accepted universal periodic review recommendations from its first cycle, in 2010, and its second cycle, in 2014, with the full and genuine participation of independent civil society and other stakeholders in the implementation process;
"(d) Building upon the engagement of the Islamic Republic of Iran with the universal periodic review process by continuing to explore cooperation on human rights and justice reform with the United Nations, including the Office of the United Nations High Commissioner for Human Rights;
"(e) Following through on its commitment to establish an independent national human rights institution, made in the context of both its first and second universal periodic reviews by the Human Rights Council, with due regard for the recommendation of the Committee on Economic, Social and Cultural Rights."
UN Decries Imminent Execution of Juvenile Offender Hossein Shahbazi in
Families of Victims in Downed Passenger Plane Refuse Iranian Compensation:
Iranian Poet Baktash Abtin Dies After Being Arbitrarily Detained in


City Council has authorized a Financial Assistance Program to help senior citizens and physically challenged homeowners with costs incurred from hiring a service provider to remove snow from their sidewalks and driveways. Qualifying applicants can receive a grant of up to $200 for non-corner lot properties or up to $300 for corner lot properties with sidewalks on two sides of the property and where both sidewalks are not cleared by City forces.
Be 65 years of age or more at the date of the application OR be permanently confined to a wheelchair, restricted to the permanent use of crutches or braces, or otherwise be permanently disabled in such a way as to restrict physical mobility.


Don't let the rest of your day ruin the hard work you put into your makeup. The right routine will keep your makeup last all day. Apart from avoiding touching your face and holding your phone against your cheek, keep on reading for the 7 expert's tricks to keep your makeup on longer.
Start with a good base and prime your face.
Prepping your skin before you apply makeup is the key. "The skin is plump, it's moisturized, and it's even-toned. I end up putting on less foundation on than I would," says makeup artist Lucy Halperin. You may simply start by washing your face with a gentle cleanser, and apply a quick face mask before applying moisturizer. Starting with a primer before applying your makeup will even out the texture of your skin and keep your makeup in place, says makeup artist Jessica Mae. "Putting primer down first gives an additional layer of something to hold on to," she says. Just pick one that matches your skin type and address your skin issues like fine lines, oily face, or a dry skin.
Apply with the right tools.
If you usually apply foundation with your fingers, think again as this has to be a hands-off process if you want your makeup to stay. If you use your fingers instead of a makeup brush, the oil from your fingers could transfer to your face, and you'll use more product than you need. "Brushes apply the product evenly, which is the key to longevity of it," Mae says. This way, you won't have a thicker layer on one side and a thinner on the other.
Instead of putting your foundation thick before blending it with a brush, applying it little by little while letting the product dry will make it last longer. "As you layer the products, it lasts longer," Mae says. "It creates a barrier between the natural skin and the product." Also, use a light hand to apply powder blushes and bronzers. "Sweep it lightly and layer it on, then really blend it in. Smudging away any harsh lines will make it less obvious if your makeup does start to melt away," Halperin says.
Prep your eyes and pick the right eye primer.
An eye cream will help get rid of dark circles and leave you ready for concealer. However, only apply it under your eye as if you put it on your eyelids, the moisture will cause your eyeshadow makeup to slip into your creases. Also, opt for a product specifically designed to prime eyes. While some women use concealer as a substitute for eye primer, but Mae says it's more creamy in consistency and more emollient. "If you're using it on the eyelid, it can cause creasing and cause eye shadow to not blend as well," she says.
Choose waterproof eye makeup or skip the eyeliner and mascara.
For a long-lasting liner, opt for a waterproof formula, or use a regular one and go over it with a powder of the same color to set it. However, if you're notorious for runny eyeliner, sometimes the best strategy is to stop working against nature. "If someone's eye is waterlogged, just skip it and just use waterproof mascara to accentuate the lashes," Halperin says.
Use lip liner as a base and lock in your lip color.
A lot of lipsticks marketed as long-lasting can be drying, so start by filling in your lips with lip liner before applying your lipstick, to give your lipstick something to grip on. "It gives it longevity because the lips have already been based with that color," Halperin says. After applying lipstick, lay a tissue on your lips, then lightly dust translucent powder over the tissue to seal in the color..
Once you've finished your look, use a setting spray to lock it in place. You may also use a setting spray after applying foundation, then applying powder after it's dried to finish the rest of your makeup. Between skin cream and a moisturizing primer, you'll already have plenty of hydration, so choose a setting spray that doesn't moisturize to avoid causing your makeup to slip. By heeding these makeup tricks from the pros, you'll be able to keep your makeup fresh and last all day.


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Movie Review – The Stanford Prison Experiment (2015)
August 13, 2015 by Robert Kojder
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The Stanford Prison Experiment, 2015.
Directed by Kyle Patrick Alvarez.
Starring Billy Crudup, Ezra Miller, Michael Angarano, Tye Sheridan, Thomas Mann, and Olivia Thirlby.
Twenty-four male students out of seventy-five were selected to take on randomly assigned roles of prisoners and guards in a mock prison situated in the basement of the Stanford psychology building.
The only thing separating prisoner from guard was a heads or tails flip of a coin; probably the most alluring detail in regards to how The Stanford Prison Experiment played out. It's a harrowing study in what temporary power coupled with no repercussions could do to the psyche of average citizens, but most importantly everyday people with good intentions in the real world that seemingly could never harm another fellow human being. By the end of the movie, the most startling aspect is that none of the subjects were diagnosed with long-term psychological effects, but rather got caught up in the moment of the mock prison set-up decked out in Stanford University's basement.
There is a juxtaposition between the context of control for prisoner and guard shining through exceptionally with two performances; a scenery chewing correctional officer (Michael Angarano) and #8612 (Ezra Miller), and it's a dynamic that will be one of the focal points of discussion among a crowd after the film. Some characters break because they have no authority, while others break out of pure, unbridled fear. The dehumanizing proceedings all throughout the film also make its finale all the more powerful.
Again, it all comes back to one fascinating variable; the actions of these citizens turned role-players came down to a flip of a coin. One could conduct this experiment over and over, presumably with different results every time, but would it always break down into chaos? Maybe, maybe not. The Stanford Prison Experiment does express the horrifying truth that we do not know what we are capable of until we are given the tools to turn into everything we assumed we could not be.
As a psychological study, it is extremely evident that The Stanford Prison Experiment leaves one hell of a lasting impression alongside a discussion that will never grow tiring, but it is also superbly directed by Kyle Patrick Alvarez. Featuring a color palette of mostly white and brown, the University also has boarded up walls, emptiness, and a strong sense of claustrophobia (most notably when resistant prisoners are placed in a pitch black closet, nicknamed The Hole, as punishment). Cinematography is also on-point employing a healthy dosage of tracking shots, quick cuts, and facial zooms that while stylish, keep up the cold atmosphere.
Even though Michael Angarano will be the fan favorite/ breakout revelation (as brutalizing as this movie is to watch, his performance is just as much fun as it is terrifying) the cast of mostly untested young actors and indie darlings often make the most of every scene. With the exception of Tye Sheridan, Thomas Mann, Ezra Miller, and Billy Crudup (portraying Dr. Philip Zimbardo, the real-life psychologist that founded this experiment), there is very little name recognition here which actually strengthens the drama behind the performances. We aren't familiar with these actors, allowing us to more closely focus on the experiment unfolding instead of marking out for overexposed Hollywood actor X bringing prolific starpower to the movie.
The only real flaw with The Stanford Prison Experiment is that neither the prisoners nor guards are really defined as characters. We don't really know enough about the guards to understand what triggers them to treat the experiment too real for comfort, but that's also probably the point. If you want to truly test the character of a man, give him power. Still, it would have been nice to get a better feel for the characters even at the expense of stretching a two-hour movie into a three-hour movie.
If anything, it's the story of Dr. Philip Zimbardo, whose morality was tested as he became a subject of the very experiment he was conducting. This also leads to a fairly dehumanizing climax, resulting in the termination of the experiment. Even better is the disparity between the reactions for prisoners and guards post-cancellation, which borders on hysterical dark humor.
There really is no other way to put it; The Stanford Prison Experiment is a transfixing, profoundly insightful examination of how without even knowing it, anyone of us could morph into the terrible guards drunk on power. The torture, both psychological and physical, is hurtful to watch as we empathize with the prisoners every step of the way. The scariest part is that viewers vicariously become Dr. Philip Zimbardo, hotly anticipating what happens next before coming to their senses realizing how inhumane this is, how far it has gone, and that it needs to stop.
Flickering Myth Rating – Film: ★ ★ ★ ★ ★ / Movie: ★ ★ ★ ★ ★
Robert Kojder – An aficionado of film, wrestling, and gaming. Follow me on Twitter or friend me on Facebook
Filed Under: Movies, Reviews, Robert Kojder Tagged With: billy crudup, Ezra Miller, Kyle Patrick Alvarez, Michael Angarano, Olivia Thirlby, The Stanford Prison Experiment, Thomas Mann, Tye Sheridan
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Playing Youth Rugby for Monmouth RFC involves commitment, hard work and a lot of fun both on and off the field of play!
Playing fees are complimentary for Youth players as we build our Youth Team player base this season. Youth Team players will also be eligible for complimentary kit as they represent the Club.
The Youth Team will be touring the north of England for a weekend of rugby and fun in May 2018. Places on the Tour will be subsidised considerably for those individuals who have played a consistent number of games for the Club over the season. Those playing over 6 games will enjoy a £50.00 discount voucher, with this number increasing by £5.00 per match played thereafter.
There is no Youth Team initiation ceremony when joining Monmouth RFC. All newcomers are welcome, with the emphasis on playing rugby and enjoying the social side in a fun environment with camaraderie and team work as a priority.
Last season we fielded over 40 players at Youth Team level. Moving into next season we require greater commitment from our players to forge and bond and to become a winning team. We have a great coaching environment in place in which our young rugby playing gentlemen and warriors will excel.


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Tour Based Model Positions Start-Up Pro Lacrosse League to Succeed
The Premier Lacrosse League (PLL) intends on becoming the sport's preeminent outdoor pro league (will challenge Major League Lacrosse). 6 teams (20 players/per) will compete in the PLL's inaugural season (starts June '19), a 12-stop tour-based schedule that will include an All-Star game and playoffs; NBC Sports Group will carry the game broadcasts. The PLL has been able to secure the sport's best talent by offering full-time salaries, healthcare benefits and equity interest to all players.
Lacrosse star Paul Rabil (first lax player to top $1 million in endorsements) and his brother Mike (co-founder and CEO) are the brains behind the new single-entity lacrosse venture. JohnWallStreet recently sat down with Paul to learn more about the new league. In part 1 of a 2-part interview (P2 will be released next Wednesday) we spoke about why the PLL is positioned for success, the league's unique player compensation model and its tour-based schedule.
JWS: You can argue that in the last 50-60 years, we've seen the successful emergence of just a single domestic pro sports league (MLS). Why is PLL going to become the next success story?
Paul: I would disagree that MLS is the only sports league that's seen or up-ticked success over the last 50-60 years and argue there's never been a time where we've seen so much growth in sports, specifically non-big four sports. If you begin to look at individual sports, we've seen the tour-based model work most recently with the UFC, as well as the emergence of World Surf League, PBR, Drone Racing League and eSports.
Mostly though, success is defined by a sports property's achievement of goals and expectations. NFL and NBA teams are targeting billion-dollar valuations, while many leagues are built and shaped to reach profitability – or "X" amount of millions of dollars in annual EBITDA. The PBR and UFC have both sold within the last decade, and the WWE trades on the NYSE. I would consider those three successes.
JWS: How will PLL define success?
Paul: For us, success will be defined by the enterprise value we create for our players, investors, and employees. We'll drive toward success by building a robust media and broadcast plan, signing corporate partnerships, hitting major ticket sales numbers, and rolling out a merchandise business; as well as our youth lacrosse initiatives. We're off to a nice start with earned media and the ongoing attention we're continuing to aggregate post-launch of the PLL – we hit 60 million impressions within the first week of the PLL announcement.
JWS: PLL has touted full-time wages for players. How does PLL define "full-time wages"?
Paul: We define full-time wages by compensating our players within the median wage for full-time workers in the US – according to the Bureau of Labor Statistics. Historically, professional lacrosse has offered part-time wages to its players, where salaries average below the national poverty line for part-time workers in the US. We're investing in our players – with increased wages, benefits, and equity in the PLL. This way, our players and league are aligned on the outset, so the product on field can continue to improve (see: more time for practice, training) and they can invest in their media and brand development (see: grow within the lacrosse community).
JWS: The players are going to share in the league's success as they'll be entitled to an equity stake. Does their decision to play in PLL prevent them from playing in other lacrosse leagues?
Paul: Our players are under effective agreements that are exclusive to professional outdoor lacrosse (i.e. they cannot play in MLL). Many of them will be playing in the National Lacrosse League (see: indoor lacrosse), which from a timing perspective, is played during the winter (ends in May). That way, our players will be able to play and draw salaries from both indoor and outdoor professional lacrosse.
JWS: The PLL is going to operate on a tour-based model (think: NASCAR, PGA), creating a final-four like atmosphere (think: multiple games, FanFest, corporate village) in each of the 12 cities it visits. Why the tour-based model over a more traditional city-based one?
Paul: We thought critically and creatively about the build of the PLL, and call our solution an "inside-out" approach. What's most important in any pro sports league is your talent – which has to be the best in the world – your competition, and your distribution. We knew we had the best players. Then we needed to create the most competitive environment – which meant 6 independent teams, governed by top-tier coaches, a college draft, training camp, regular season, all-star break, playoffs and a championship. And finally, with the aforementioned in-place, we needed a major network partner for mass distribution of the live games. Which we secured with the NBC Sports Group.
Traditionally, if you look at pro sports from an operator's perspective, you see a city-based model with individual owners. And if you don't own a venue, you aren't able to optimize your schedule – home and away games – or the broader business opportunity; from parking and concessions revenue to other ancillary opportunities. Niche team sports leagues are often low-priority tenants on a lease, playing in non-preferred venues, with little flexibility in the scheduling; making it difficult to find a media partner.
The other issue we identified with a traditional city-based model was that if you're not in 30+ markets (i.e. the NFL, NBA, NHL) – or if you're the MLL and are in fewer than 10 markets – than the city-based model actually does not achieve national recognition or prominence.
With 6 teams in the PLL, we decided that being tour-based could not only capitalize on operational opportunities like securing premier pro sports venues over a single weekend in a major market city, but would also allow lacrosse fans nationwide to feel included, rather than ostracized for not having a team based in their market. Put simply, a tour-based model makes us a national sport overnight.
Lacrosse has grown rapidly over the last 15 years and we're seeing the emergence of new hotbeds in the South, Midwest, Pacific NW and out West; it's no longer just a Northeastern sport.
JWS: How do you keep a fan engaged throughout the season if their favorite team/player is going to play once/season at "home"?
Paul: We have to get the competition right. This is not a showcase series. Fans will not feel like their teams aren't competitive because they're not anchored to a city. Our gamedays will embody the best players in the world, competing to win, with the goal of capturing a PLL Championship at the end of the year. That's at the core of the PLL.
Our investment into our teams and player narratives will capture the attention of lacrosse fans and net new sports fans. Our players are world-class talents, with dynamic personalities and origin stories. And much like the UFC showcased their athletes and competition with The Ultimate Fighter, we plan to create original shows around our athletes and teams, additive to the live broadcast. That's where the intersection of fandom lives.
Additionally, our major media rights partnership with NBC Sports Group will showcase professional lacrosse like it's never before been witnessed. Every game will be broadcasted live – with 19 games on broadcast television. Production quality will be at its finest. This way, fans everywhere can watch their favorite teams compete every week of the season.
Finally, major sports leagues galvanize fan bases with fantasy sports and gambling. We're being strategic here, and are prioritizing stat-keeping on behalf of our players and teams, as well as rolling out league-wide standings and playoff predictions. Fans care about player trades, waiver wires and player pools. They care about the next stars of the college draft. There will be performance incentives and bonuses for top players and coaches.
As a group, if we get all of those things right, a tour-based model becomes a function of operating, and the prevailing subject matter is team competition and player performance.
Howie Long-Short: It's known that The Raine Group, Chernin Group, Creative Artists Agency and Blum Capital are among those funding the league. There's a series of family offices and angel investors (including former NE Patriots player Chris Hogan) that have also invested, but have elected to remain private.
Fan Marino: While youth participation in football has declined (-23%) over the last 5 years, Lacrosse has experienced explosive growth over (+35% to 2.17 million participants) that time; curious if only because the suspected cause of decline in football participation is related to head injuries and lacrosse also subjects players to hits to the head. NYIT researchers recently released results confirming "subtle cognitive declines" in lacrosse player studied over the course of a season. I asked Paul why he suspects the threat of brain injury has impacted participation in one sport but not the other?
Paul: I would suspect the challenge plaguing football is the volume of helmet-to-helmet collisions and tackling during every play – especially through the art of contact at the line of scrimmage between offensive and defensive linemen, as well as running backs. In lacrosse – while a contact sport – tackling is illegal, as is any form of helmet contact. In our sport, the emphasis in contact is on stick-checking to dislodge the ball from a player's crosse. While contact and concussions occur in all sports – even soccer and basketball – lacrosse gear is intended to protect primarily from stick-checking, or the rubber ball making contact with a player's head – wherein lies the helmet protection.
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Will Coronavirus outbreak bring property prices down?
Even though the impact of the Coronavirus-induced economic troubles on property values in India's mega cities may have been limited, the second wave of COVID-19 pandemic is likely to cause a much deeper overall impact, the positive outlook by industry bodies notwithstanding. According to a Reuters poll unveiled on May 21, 2021, the devastating impact…
Even though the impact of the Coronavirus-induced economic troubles on property values in India's mega cities may have been limited, the second wave of COVID-19 pandemic is likely to cause a much deeper overall impact, the positive outlook by industry bodies notwithstanding.
According to a Reuters poll unveiled on May 21, 2021, the devastating impact of the second COVID-19 wave in Asia's third-largest economy, will stagnate price growth by crushing demand and offsetting the benefits to real estate developers offered by the government in the form of subsidies and incentives. During a poll in January 2021, analysts predicted a 1.3% average growth in property prices.
A recent research report by QuantEco Research also showed that the second wave would hit the Indian economy, by prompting people to save, rather than spend. Considering that housing purchases require big-ticket investments, the demand for homes would be subdued in the period that follows the second and third waves in India. Rates of properties might, thus, be adversely affected, because of the stress on demand.
Unlike the first wave that made bare the importance of housing ownership, as against other assets in the event of a pandemic and thus, acted as a propeller of demand for the housing sector, the Coronavirus second wave may in fact disrupt the demand momentum caused by the first wave.
India is second among the most-affected countries by active cases in the world. On May 30, 2021, the country added 1,65,553 cases to take its total caseload to 2,78,94,800. With 3,460 deaths on the same date, India's total death toll due to the pandemic has now reached 3,25,972.
Nonetheless, housing affordability in India has improved significantly since 2015. In a report issued on May 24, 2021, JM Financial Institutional Securities Ltd said that housing affordability in India had improved over the years, in view of the fact that annual incomes have been on an upward trajectory while property cost has been fairly stable since 2015.
Increase in rates of raw material may boost property prices
Meanwhile, the pandemic-induced spike in prices of essential raw materials, like steel bars, cement, plastic, man-made polymers and resins, etc., are putting pressure on builders to hike prices of new projects. Supply shortage is only making matters worse.
"In the last three months iron prices have increased by Rs 20,000 per tonne, which is almost a 50% increase in prices. Apart from this, copper and aluminium prices have also increased, which has impacted construction costs. At a time when the real estate industry is already feeling the pressure of the second wave and the lockdown restrictions, the rise in prices of raw materials will put the brakes on the recovery of the real estate sector," said Ashok Mohanani, president, NAREDCO-Maharashtra.
"Once the lockdown restrictions are lifted, we might notice a gradual rise in property prices in the coming months, where the change in percentage may vary as per different markets. In some parts of the country, we may witness minor hikes in property prices by the end of the next quarter, whereas we may see more significant corrections in prices by the end of 2021. All of this will be contingent on the successful stabilisation of the ongoing healthcare crisis in the country by the relevant authorities," said Jayesh Rathod, executive director, The Guardians Real Estate Advisory.
Amid a slight pick-up in home sales during the January-March period of 2021, India's eight prime housing markets have shown almost flat price growth, data available with PropTiger.com show. However, housing markets of Ahmedabad and Hyderabad remained exceptions, with both cities seeing a 5% annual appreciation in prices. This growth, especially in Ahmedabad, could, however, be attributed to the fact that average rates of properties in this market are already on the lower side when compared to other cities.
Annual property price growth: City-wise break-up
City Average price as on March 31, 2021 (in Rs per sq ft) Annual growth in %
Ahmedabad 3,234 5
Bangalore 5,450 3
Chennai 5,275 3
Hyderabad 5,713 5
Kolkata 4,208 1
MMR 9,474 No change
NCR 4,327 1%
Pune 5,76 3
National average 6,234 3
Source: Real Insight: Q1 2021
According to a Reuters poll of property analysts earlier this year, house prices in India's prime cities will barely rise in 2021, despite an economic recovery and supportive policies. The January 2021 poll of 13 analysts showed that average house prices in the country would rise by 1.3% this year, while a rise of 4.5% could be expected in 2022. The poll also showed that property values in 2021 would hold steady in Mumbai, Delhi and the National Capital Region, compared to contractions of 3.25%, 3.0% and 2.5%, respectively, predicted in September 2020.
The forecasts in the poll, were based on the assumption that the risk of a COVID-19 resurgence derailing activity was low. Much has changed since then. On May 10, 2021, 3,66,161 new Coronavirus infections and 3,754 deaths were reported in the country, with numbers standing close to record daily highs, amid claims that the peak of the second wave of COVID-19 is on the decline. With this, India currently has a total tally of virus infections at 22.66 million, with 2,46,116 deaths due to the pandemic.
Even though the stress caused by the Coronavirus pandemic has impacted India's key residential markets, the average rates of new projects continue to stick to their previous levels, data available with PropTiger.com show. According to a report by the property brokerage firm, the weighted average prices of properties, in leading markets like NCR and Mumbai showed flat growth in the October-December period of 2020, when compared to the levels seen in the same period in 2019.
Price growth in Q4 2020: City-wise break-up
City Average price as on December 31, 2020 (in Rs per sq ft) Annual growth in %
NCR 4,268 No change
Pune 5,077 4
National average 6,042 No change
Source: Real Insight: Residential Annual Roundup 2020
Interestingly, no prime market showed any downward movement in prices during the one-year period, in spite of the severe pressure caused on growth, because of the pandemic. In what could be termed as significant at this point of time, the average rate of new housing projects in Ahmedabad and Hyderabad, in fact, registered positive growth of 7% and 5%, respectively. Pune, too, recorded a positive price growth of 4% in the past one-year period.
In the coming quarters too, price growth is expected to remain range-bound amid global agencies predicting a long-drawn recovery process for India's economy. "A combination of supply-side scarring and demand-side constraints – such as the weak state of the financial sector – will keep the level of GDP well below its pre-pandemic path," Fitch Rating said in a statement, on January 14, 2021.
Terming India's Coronavirus-induced recession as among the most severe globally, the rating agency said it expected the country's gross domestic product (GDP) to expand by 11% in FY22 (April 2021 to March 2022) after falling by 9.4% in FY21 (April 2020 to March 2021). "Supply-side potential growth will be reduced by a slowdown in the rate of capital accumulation – investment has recently fallen sharply and is likely to see only a subdued recovery," it said further.
While the muted price growth, along with several other factors, has increased housing affordability in India to a great extent, low yields might be detrimental to the investor spirit and impact the foreign investment volume in the country, especially from the NRI segment.
Housing affordability is also getting a boost through actions by state governments. The Delhi government, for example, on February 5, 2021, announced a 20% reduction in the circle rates for all types of properties. This temporary reduction, which will stay effective till September 30, 2021, would significantly lower the cost of property purchase for home buyers in the national capital, especially in the luxury housing segment.
See also: Delhi cuts circle rates by 20% across categories
To tap the only segment that has managed to show some growth, despite the general slowdown, banks have also entered into a heated competition to lower home loan interest rates. While public lender SBI is offering home loans at 6.7% interest, private lender Kotak Mahindra Bank is currently charging the lowest rate on home loans, at 6.65%. At HDFC, home buyers can secure a loan of any amount for an annual interest of 6.75%, while ICICI Bank is charging 6.80% interest on its home loans.
Analyzing the COVID-19 impact on property prices in India
The developer community in India has been in a tizzy after union minister of commerce and industry Piyush Goyal on June 3, 2020, said builders needed to sell housing projects at reduced prices and let go of the high-priced unsold stock. Will prices fall?
If a demand slowdown has been keeping price growth in India's residential real estate market in check, the Coronavirus pandemic, which threatens to drastically impact global economic growth would wipe off any chances of value appreciation in the property market. In the near future, expecting price appreciation would be nothing but wishful thinking.
Sample this.
On Knight Frank's global house price index, which tracks the movement in mainstream residential prices across 56 countries and territories worldwide, India slipped seven spots to rank 54th in the July-September period of 2020 against 47th rank in the same period last year, with a decline of 2.4% year-on-year in property prices. Compared to the previous quarter, however, the country's the ranking remained unchanged, at 54th. The report points out that India was among the countries that saw the weakest price growth, year-on-year.
PropTiger.com numbers also indicate the nine major residential markets in India registered only negligible price growth in the past half a decade amid consumer sentiment hitting a new low.
Property prices in India's eight prime residential markets
City Average rate per sq ft as on September 2020 Annual change
Ahmedabad Rs 3,151 6%
Bengaluru Rs 5,310 2%
Chennai Rs 5,240 2%
Hyderabad Rs 5,593 6%
Kolkata Rs 4,158 1%
MMR Rs 9,465 1%
NCR Rs 4,232 -1%
Pune Rs 4,970 2%
National average Rs 6,066 1%
Source: PropTiger DataLabs
While there has not been any significant upward or downward movement in terms of pricing, Ahmedabad and Hyderabad's real estate markets have seen some appreciation over time. In the MMR, where property prices are already much higher than the national average, price growth has been quite slow. Only the housing markets in the National Capital Region have undergone some correction. Elsewhere, the growth has been largely insignificant.
According to a recently-unveiled report by international property consultancy Knight Frank, the top six housing markets in India underwent a price correction in the range of 2%-7% during the July-September period in 2020.
A poll conducted by Reuters also shows average house price is expected to fall 6% this year and 3% in 2021. The poll, in which 15 analysts participated between September 16-28,2020, a region-wise house prices decline of 7.5%, 7.0%, 5.0% and 3.5%was also predicted for Mumbai, Delhi, Chennai and Bengaluru, respectively.
As for the future, the effects of the pandemic, say some experts, would result in property prices dropping by at least 10%.
"Prices in most markets have held steady, despite the lending and shadow banking crises. They may come down by 10%-20% across geographies, while land prices could see an even higher reduction of 30%," Pankaj Kapoor, chief executive of real estate consultancy firm Liases Foras was quoted as saying.
According to HDFC chairman Deepak Parekh, developers should be prepared for up to a 20% fall in housing prices.
Some, however, beg to differ from the likes of Kapoor and Parekh. This segment is of the opinion that those expecting any reduction in property prices, in the medium to long term, might be disappointed as property values, if anything, are likely to show an upward movement in the post-Coronavirus world, based on several factors.
Why property prices in India might not drop after COVID-19?
The developer community in India has been in a tizzy after union minister of commerce and industry Piyush Goyal on June 3, 2020, said builders needed to sell housing projects at reduced prices and let go of the high-priced unsold stock. In a terse message to the community, the minister said the government might offer some concession in circle rates, to lower their burden but they must be more forthcoming in reducing prices.
"If any one of you feel that government will be able to finance in such a way that you can hold longer and wait for the market to improve — because market is not improving in a hurry — your best bet is to sell," Goyal said during a video conference meeting organised by industry body National Real Estate Development Council (NAREDCO).
"You can choose to be stuck with your material (inventory), then default with the banks. Or, you can choose to sell it even if you have bought it at high prices and move forward," he added.
The statement came as a rude shock to the NAREDCO, which has sought USD 200 billion in relief, to deal with the aftermath of the Coronavirus crisis. Before things went bad, because of the pandemic, the sector was already grappling with a USD 120 billion-bad debt situation with banks.
Coming down heavily on the community, currently saddled with bad loans and huge inventory, the minister added, "You have to complete your projects before you sell, because buyers will not buy under-construction projects. In my life, I will not buy an under-construction flat from anybody."
The next day, newly elected CII president Uday Kotak said he was in agreement with Goyal.
The Economic Survey 2019-20 also pointed out that builders should allow prices to drop, by taking a haircut as a remedy to reduce their inventory burden. Similar views were aired by the HDFC chairman when he said builders should sell their inventory at whatever prices they get to generate liquidity. However, a number of issues are at play, which makes accepting such suggestions difficult.
When asked whether his company plans to reduce prices to boost sales in the prevailing circumstances, Godrej Properties' managing director Mohit Malhotra replied in the negative. "We do not have any plans of cutting prices. The industry has been reeling under a slowdown for the past eight years. There is limited scope to cut prices," Malhotra was quoted by the media as saying. Many of his peers in the industry feel the same way. Why so?
Developers are under tremendous pressure
As on September 30, 2020, developers were sitting on an unsold stock consisting of over 7.23 lakh units worth over Rs 6 lakh crore in the top nine residential markets. With buyers becoming fence-sitters, almost-completely making any chances of profit-making for a large number of builders out of question; sources of liquidity are also fast drying up with the ongoing non-banking finance companies (NBFC) crisis.
As it is, several big developers in the country have been dragged to the insolvency court by banks over non-payment of large-scale dues. If the demand slowdown problem persists for a longer period, more builders might have to face the same fate — a highly likely scenario in the backdrop of the contagion.
Recall here that the total outstanding loans of real estate developers from commercial banks, NBFCs and HFCs are estimated to be around Rs 4.5 lakh crore as of March 2020.
While the government has already decided to set up an Rs 25,000-crore stress fund to help builders complete their pending projects and infuse more liquidity into the system through a COVID-19-focused stimulus package, an overall economic downturn would limit its capacity to focus on real estate and offer substantial relief. In a complex scenario like this, earning by way of home sales remains a builder's only option.
"Residential real estate in India is likely to see a further slowdown in the coming months, given that attendant activities are at a standstill. With construction already coming to a grinding halt, project completions are slated to be postponed. If this situation prolongs, the deployment of funds, including the Rs 25,000-crore alternative investment fund (AIF), will remain on hold," says Anurag Mathur, CEO, Savills India, had said earlier.
"Housing sales may see a sharp dip for at least the next one quarter as consumers' biggest priority currently is health/safety and income preservation," Mathur adds.
Data available with Housing.com show home sales in India's eight key residential markets fell by 57% during the July-September period in 2020 as compared to the same period in 2019. A total of 35,132 units were sold during the period between July and September 2020, data show.
While the recent RBI move to lower the repo rate to 4% and offer a moratorium on loan EMIs would provide developers some cushion against the overall shock, reducing property prices does not seem to be a possibility, especially as buyers remain elusive from the market. In the meantime, project launches could drop significantly. In the September 2020 quarter, in fact, only 19,865 new units were launched across the eight markets, data show. This is a decline of 66% year-on-year.
Cost of supply materials has increased
Projects delays are on cards as supply of building construction materials that India imports from China is hampered in the wake of the pandemic and amid rising tension between the two countries. The impact of the situation would be more prominent on premium-luxury housing projects which rely heavily on supplies of fixtures and furnishings from China, the country where the source of the contagion has been tracked down to. The time gap will not only delay housing projects but also ultimately increase the overall cost of project building since builders here will have to rely on alternative sources to meet their building requirements.
The centre's 'Make in India' program might get a boost from this difficult situation in the medium to long term, but short-term pains for developers are inevitable. Dropping prices in a scenario like this is hardly the answer. However, the government might launch measures that might make it more lucrative for buyers to invest in property. It is also expected to support real estate, the second-largest employment generator in the country, by waiving off tax on unsold inventory.
"Depending upon the duration and depth of the current crisis, prices may or may not see a downward movement as the holding cost of the developers will go up while the pressure to liquidate unsold inventory will increase. It would be too early to predict the extent of price change in the near-to-medium term," opined Mathur.
Interest rates at record low, home-buying to become affordable
The RBI has reduced the repo rate to 4%, making borrowing cheaper for home buyers. Consequently, home loan interest rates are already as low as 6.95%. This would act as a booster for buyers to invest in property at a cost advantage, once clarity on the impact of COVID-19 on the job market is known.
"It is important for (banks) to immediately transmit the (repo) rate cut (by the RBI) to the home buyer, which will boost consumer sentiment," says Ramesh Nair, CEO and country head of JLL India.
While the government has already extended the benefits offered under Section 80EEA till March 2021, it might also consider extending it further, in order to give a boost to first-time home buyers. Experts are of the view that anxiety over impending job loss among consumers is likely to persist, even after the worst is over and normalcy returns. The government will have to continue extending support till that period.
However, some correction would still be expected from developers' side, as cheap home loans alone would not to the trick in a weak job market. Property investments might, in fact, rise if developers were to offer some reduction.
According to a survey conducted by Housing.com in collaboration with NAREDCO, 47% tenants would like to invest in a 'rightly-priced' property. Moderation of prices would also attract tenants, who have so far been favouring renting over buying, primarily because of price benefits. Those renters who are not in a position to buy a house currently, because of price issues or the nature of their jobs, have also opined that they would buy a property within two years.
Stamp duty correction
With an aim to further boost buyer sentiment and reduce the overall cost of purchase for buyers, some states have also announced reductions in stamp duty—the tax that buyers have to pay to the state government as the percentage of the transaction value—in the aftermath of the Coronavirus pandemic. For example, Maharashtra has announced a temporary reduction in rates for a period of six months. Buyers in that state, which is home to the most expensive property market in India (Mumbai), can currently register a property by paying 2% of the property value as stamp duty. Karnataka has also reduced the stamp duty to 3% on properties worth up to Rs 30 lakhs. On September 7, 2020, the Madhya Pradesh government also announced a reduction in the cess on stamp duty charged for registration of properties by 2%.
What should an investor do?
Housing prices in some of the mega cities of India have witnessed significant correction. While expecting appreciation in the near future would not be a wise idea, this present scenario does provide investors with an opportunity to put their money in residential real estate at a low price point. Since prices are unlikely to undergo any further correction, this could prove be an ideal opportunity for buyers, if they are able to arrange the funds. Since home loan interest rates are also at record low levels currently, housing finance is also available to buyers and investors at comparatively affordable prices.
Will property prices fall due to Coronavirus impact?
While any sharp increase is unlikely, property prices might continue to maintain the same level, because of a demand slowdown.
What will be the impact of COVID-19 on housing market?
Demand for housing is likely to be hit in the short term due to the Coronavirus outbreak.
₹9 Cr - 15.08 CrEMI starts at ₹4.47 LacsMarketed by REALTY MULTIPLIERConfigurations4, 6 BHK ApartmentsPossession StatusUnder ConstructionAvg. Price₹15.00 K/sq.ftATS Infrastructure Limited has lauched…
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Through the last several years, coffee shops have popped up across the Kansas City metro, creating a coffee culture that is just as distinctive as our jazz and barbecue scenes. The city features rustic spaces that roast their own beans, shops with minimalist menus and others that focus on sweet specialty drinks. Whether you're in the mood to curl up and relax in a cozy spot or use your java jolt to get some work done, these places will serve up exactly what you're looking for—including coffee, of course.
A coffee shop by day and hot hangout by night, Thou Mayest, whose name is taken from John Steinbeck's East of Eden," touts a two-story setup.
With coffee blends from Laid Back to Wild Child, Thou Mayest's hip energy effortlessly takes you through the day (and maybe even night) regardless of the hour.
There are levels to Messenger Coffee—three to be exact. The multi-story space includes a café and Ibis Bakery, roastery and a roof deck with sweeping views of Liberty Memorial and Midtown Kansas City.
A destination coffee location, the shop does double duty as a café and roasting company, allowing you to witness the roasting process firsthand before deciding on your drink of choice.
Nestled between vinyl record stores, restaurants, and curio shops, its prime location in the historic Westport entertainment district makes it ideal for some post-coffee exploring.
The black and white tiled floor and bistro chairs at Monarch give the space a European feel that is best enjoyed at a leisurely pace on par with Parisians.
Take a book, sprawl out in front of the window overlooking green space and savor one of the shop's specialties like a matcha or turmeric latte.
Espresso drinks made with blends from the local Post Coffee Company are enough of a reason to visit Goat Hill, but the shop also has snow cones and Italian sodas on the menu.
The from-scratch syrups are made in-house in a rotating selection of flavors like blackberry sage, so no matter the weather, Goat Hill has something delicious to offer.
Roll-up windows fill Post Coffee (weather permitting) with sunshine and warm breezes that are a perfect complement to the direct-trade coffee they serve. A menu of sandwiches and pastries make Post an easy place to settle in and get work done, whether it is for one hour or several.
If you're looking to get a caffeine buzz in a high-energy setting, cross the Missouri River into North Kansas City aka "Northlandia" and discover Colony KC.
While simple espresso drinks are Colony's focal point, frequent live music, trivia nights and a menu of craft beer and cocktails made with locally-distilled spirits from J. Rieger and Tom's Town, take it to the next level.
Nestled inside the Made in KC store where you can shop everything Kansas City, from clothing to ceramics, is the duplicately named café.
A neon signs beckons "Meet me for coffee"—do as they say and you'll have a shopping break well-spent in the bright space, which serves coffee from KC's favorite roasters and treats like homemade pop tarts.
With large windows that let in plenty of natural light year-round, Crows Coffee is a comfortable, sun-drenched spot whether you need to work or study.
Settle into a plush armchair or take up residence at a table at either their UMKC campus shop or in their Waldo location.
Second Best Coffee should be one of your first choices when it comes to nestling into a cozy space for work or recreation. The espresso-centric slow bar grinds and brews your coffee upon ordering, and the recently expanded space has ample seating and a quiet atmosphere.
Quay Coffee (pronounced "key") is like an extension of your living room that just happens to serve great coffee. With exposed brick walls and soft lighting, Quay Coffee lends itself to the long haul, so grab your laptop and get to work.
When you want to learn about the craft behind coffee, The Roasterie should be one of your first stops.
An original of Kansas City's coffee scene since it was founded in 1993, Roasterie experts can help improve your at-home brewing by recommending equipment sold at The Factory. Buy a pound of one of their custom blends, take your newfound knowledge and equipment home with you, and put it to the test.
Topeka-based PT's Coffee Roasting Co. has been roasting coffee since 1997 and touts an outpost in the Crossroads Arts District called PT's Coffee. Bags of blends line the shelves in the shop alongside Chemex, presses and scales that will help you make a perfect cup at home.
Named for the Ethiopian goatherder who originally discovered the power of the coffee bean, Kaldi's Coffee has been sourcing coffee from around the globe since 1994.
Stop by the location in the Power & Light District (or three other metro locations) for a cup and Kaldi's official Brew Log, which will give you expert tips to improve your own brewing game.
If you're looking for a little spice in your coffee life, the drinks at Pirate's Bone are just as daring as the shop's name.
Try the Sweet Misery, a drink made with white chocolate and chili skin that boasts both sweet and spicy flavors, or the Mexican hot brew swirled with organic raw cane sugar, ground cinnamon, and milk.
It's hard to miss the brightly painted One More Cup in Waldo, but the specialty drinks served inside the café are even more vibrant.
Choose from offerings like the Curious George—made with Shatto chocolate milk, Shatto banana milk and espresso—or a Root Beer Chai, featuring organic Hugo Tea chai and Shatto root beer milk.
A laboratory for coffee geeks, Oddly Correct sticks to the most basic elements of espresso.
Cream and sweeteners aren't available in the shop and all drinks are made with local whole milk or oat milk upon request, so don't ask for any additions or substitutions. Instead, you are encouraged to experience the flavors of your drink without dilution.
Blip Roasters should be more than just a blip on your radar. Combining coffee and motorcycle culture in an industrial setting, the West Bottoms spot roasts its own beans and eschews specialty drinks, offering a classic menu of coffee, latte, cappuccino, Americano and espresso.
One of the most noticeable food trends seen in Kansas City over the last year, has been the increasing number of healthy or clean eats snack bars that also serve fresh fruit- and vegetable-based juices, smoothies and tea.


i was hoping somebody knew what triggers the "mobile view not supported in this browser", and where to find these tests in the code.
im hoping either someone knows whats going on, or can point out where it throws this error page so i can add some debug output to see which technology is missing.
return $.os.ios && $.browser.safari && e.utils.versionCompare($.os.version, "8", ">=") || $.os.android && $.browser.chrome && e.utils.versionCompare($.os.version, "4.1", ">=") || !$.os.ios && !$.os.android && $.browser.webkit || e.config.env === "dev"
it checks for "browser" support with hard coded lines, which would return false with a custom browser like Xenmoble's secure web. Just delete out this line and always return true which forces it to load the mobile view, worked great for us so far (missing SSO though). Of course back up the nomad.js file first.


The paper reviews the evolution of research and innovation in the EU and assesses how current policies and programmes have influenced the development of Europe's research landscape. Based on existing literature, evaluation reports and practice, the paper critically examines the effectiveness of current European research funding instruments in a context of open innovation and in the presence of global spillovers. It therefore develops a subsidiarity test to assess whether current rationales still prove sufficient to justify policy intervention in this area. The paper sheds light on how to improve the effectiveness of EU action by enriching it by the use of coordinated fiscal policy for research funding. This will constitute an incentive to genuine bottom-up research, development and innovation (R&D&I) and a stimulus to local investments in innovation. The paper also assesses the potentials of a reinforced open method of coordination as well as a review of state aid law in the field of research funding in the EU.


Here at SocialMediaNews Australia we currently have an open position for a Social Media Intern.
This position is unpaid, however you will be reimbursed any costs and also receive select industry gifts and products over time.
This position is based in Sydney Australia, however we also have the option to work remotely from anywhere in Australia.
Our social media agency - Vivid Social has a wide range of SMB clients taking advantage of our social media, SEO and web design expertise.
If you can help in any of these areas, including content generation and community management – we would like to hear from you.
You will me mentored by David Cowling, who is the owner and operator of both SocialMediaNews and Vivid Social.
Want to work in Social Media? Like some more info?


Children are the 'apple of a man's eye', the source of great joy and interaction. They really do make life sweet (and entertaining!); after Allah, they are the ones on whom a Muslim father pins his hopes. Children's blessings within a home bring rizq – Provision, mercy and a truckload of reward for everyone around.
For this reason, the Final Prophet (sa'w) used to pray for those he loved, that Allah would grant them wealth and children in abundance.
Children are demanding. A marriage is a unity where two adults are commanded to 'cloak' one another. But children, they require round-the-clock attention and protection from birth to adulthood. If any parent neglects their children's vital Islamic upbringing, the results will be disastrous. Their children will be a constant struggle; frustration builds from both sides, children will rebel and parents won't accept.


In Switzerland, as much as three percent of the population—224,000—has chowed down on cat.
At least that's what one survey found, which asked respondents "would you" and "could you" eat a cat.
Some experts interviewed by the Daily Beast cautioned that this could be an inflated number, and that it likely represents those who have, at some point, tried cat, as opposed to those who regularly dine on kitten.
NBC quotes a more modest, although still relatively disgusting figure: 1.5 percent of the population eat cats and dogs.
In fact, cat-consumption is so well-known in the country that the Daily Beast was able to obtain some all-time favorite Swiss feline recipes.
An advocacy group has launched a petition asking the government to ban all cooking of cats and dogs. Commercial selling of the animals' meat is already outlawed, but private cooking and consumption remains legal.
They don't seem to have quite drummed up enough sympathy. They need 50,000 signatures for the Swiss legislature to bring it up for discussion, but have only gotten 16,000.


The mil (malfunction indicator lamp) is used to indicate vehicle malfunction detections by the ecm.
When the ignition switch is turned on, power is supplied to the mil circuit, and the ecm provides the circuit ground which illuminates the mil.
The mil operation can be checked visually: when the ignition switch is first turned on, the mil should be illuminated and should then turn off. If the mil remains illuminated or is not illuminated, conduct the following troubleshooting procedure using the intelligent tester.
Perform troubleshooting in accordance with the table below.
Connect the intelligent tester to the dlc3.
Turn the ignition switch on and turn the tester on.
Select the following menu items: diagnosis / enhanced obd ii / dtc info / current codes.
Check if any dtcs have been stored. Note down any dtcs.
Clear dtcs (see page es-35).
Check if the mil goes off.
Standard: mil should go off.
Disconnect the a9 ecm connector.
Check that the mil is not illuminated.
Ok: mil is not illuminated.
Disconnect the e19 combination meter connector.
Reconnect the combination meter connector.
Check if the mil is illuminated when the ignition switch is turned on.
Ok: mil should be illuminated.
*: The intelligent tester cannot communicate with the ecm.
Check the mil circuit (see page me-15).


Just to let you know that we arrived safely & on time as scheduled.
There was no delay at Istanbul Airport. But it is such an old fashioned airport.
I am busy today with my work & looking at my photos to edit them.
All of us thoroughly enjoyed ourselves with the beautiful picturesque sceneries of mountains & lakes with the beautiful Autumn colors & the last 3 days of snow which made us feel so child like playing in the snow….
Thank you for the generous gestures, good food which were not so saltish as the food in Macedonia were much more saltish. The hotels were excellent …very centrally located.
I shall catch up with you again.
Thank you very much for arranging such a great tour of Bulgaria and Macedonia….
I am sending you attached our group photo with you at Matka Canyon – hope you will enjoy it.


There are a number of women's basketball clubs across Nottinghamshire, all of whom provide casual and competitive opportunities for females in the county.
With competitive opportunities locally and nationally within the Maid Marian & Basketball England League and casual sessions through the Rebound Initiative - you don't have to have to have years of experience to become involved in Nottinghamshire Basketball.
Shoot, score, rebound & run at one of our Rebound sessions – Check out our page to find out more.


Thousands of the pew research center's internet in japan. You don't like millions of people are taking the front page of reddit threads that certain dating industry in. Some of the company owns one of matchmaking. Cupid's arrows hit the alt-right have turned to find out by james ford facebook twitter tumblr. By staff writer. Com from the past seven years now. I'm here to dating all the cringiest red flags when looking for you heard nightmare. Whether you spend your best dating app ranking That's why millennials are now. Indians are ditching tinder –even before tinder to find it easy for other. It's a nationally representative survey, so bad it comes to hook up on okc back to people find it or konkatsu looking. Our services including reddit users said. With online dating creates a focus. Everything else being a hard time, 2018 updated 6: 37 pm. Vu, minus 4.


text:
[![Build Status](https://travis-ci.org/spree/spree_i18n.png?branch=master)](https://travis-ci.org/spree/spree_i18n)
[![Code Climate](https://codeclimate.com/github/spree/spree_i18n.png)](https://codeclimate.com/github/spree/spree_i18n)

This is the Internationalization project for [Spree Commerce][1]

See the [official Internationalization documentation][2] for more details.

Happy translating!

## Installation

Add the following to your `Gemfile`:

```ruby
gem 'spree_i18n', github: 'spree/spree_i18n', branch: 'master'
```

Run `bundle install`

You can use the generator to install migrations and append spree_i18n assets to
your app spree manifest file.

    rails g spree_i18n:install

This will insert these lines into your spree manifest files:

    vendor/assets/javascripts/spree/backend/all.js
    //= spree/backend/spree_i18n

    vvendor/assets/javascripts/spree/frontend/all.js
    //= spree/frontend/spree_i18n

    vendor/assets/stylesheets/spree/frontend/all.css
    *= require spree/frontend/spree_i18n

## Model Translations

We've added support for translating models. The feature uses the [Globalize][3]
gem to localize model data. So far the following models are translatable:

    Product, Promotion, OptionType, Taxonomy, Taxon and Property.

Start your server and you should see a TRANSLATIONS link or a flag icon on each
admin section that supports this feature.

The extension contains two configs that allow users to customize which locales
should be displayed as options on the translation forms and which should be
listed to customers on the frontend. You can set them on an initializer. e.g.

```ruby
SpreeI18n::Config.available_locales = [:en, :es, :'pt-BR'] # displayed on translation forms
SpreeI18n::Config.supported_locales = [:en, :'pt-BR'] # displayed on frontend select box
```

ps. please use symbols, not strings. e.g. `:'pt-BR'` not just `'pt-BR'`. Otherwise
you may get unexpected errors

Or if you prefer they're also available on the admin UI general settings section.

*Every record needs to have a translation. If by any chance you remove spree_i18n
from your Gemfile, add some records and then add spree_i18n gem back you might get
errors like ``undefined method for nilClass`` because Globalize will try fetch
translations that do not exist.*

## Contributing

In the spirit of [free software][7], **everyone** is encouraged to help improve this project.

Here are some ways *you* can contribute:

* by using prerelease versions
* by reporting [bugs][8]
* by suggesting new features
* by writing [translations][9]
* by writing or editing documentation
* by writing specifications
* by writing code (*no patch is too small*: fix typos, add comments, clean up inconsistent whitespace)
* by refactoring code
* by resolving [issues][8]
* by reviewing patches

Starting point:

* Fork the repo
* Clone your repo
* Run `bundle install`
* Run `bundle exec rake test_app` to create the test application in `spec/test_app`
* Make your changes
* Ensure specs pass by running `bundle exec rspec spec`
* Submit your pull request

Copyright (c) 2014 [Spree Commerce Inc][3]. and other [contributors][5]. released under the [New BSD License][6]

[1]: http://spreecommerce.com
[2]: http://guides.spreecommerce.com/i18n.html
[3]: https://github.com/globalize/globalize
[4]: https://github.com/spree
[5]: https://github.com/spree/spree_i18n/graphs/contributors
[6]: https://github.com/spree/spree_i18n/blob/master/LICENSE.md
[7]: http://www.fsf.org/licensing/essays/free-sw.html
[8]: https://github.com/spree/spree_i18n/issues
[9]: http://www.localeapp.com/projects/4605

redpajama_set_name: RedPajamaGithub


text:
Q: Blazor WebAssembly project, Intellisense pops an error : the type or namespace name 'App' could not be found I'm trying to use Blazor WebAssembly.
I create a project and the code isL
public class Program
{
    public static async Task Main(string[] args)
    {
        var builder = WebAssemblyHostBuilder.CreateDefault(args);
        builder.RootComponents.Add<App>("app"); // Error there : The type or namespace name 'App' could not be found (are you missing a using directive or an assembly reference?)

        builder.Services.AddTransient(sp => new HttpClient { BaseAddress = new Uri(builder.HostEnvironment.BaseAddress) });

        await builder.Build().RunAsync();
    }
}

As I comment in the code, App is not found by intellisense and an error is shown. I can't use f12 on the word "App" (unfound).
I can build and launch the project but I want to clean it properly.
I followed this thread : Blazor the type or namespace name 'App' could not be found (are you missing a using directive or an assembly reference?) but it didn't fix it.
My IDE is Visual Studio Community : Microsoft Visual Studio Community 2019 Version 16.6.2 and dotnet --version gives : 5.0.100-preview.6.20318.15
Thank you very much.

A: make sure that all the packages using by your project has been updated and compatible with .net 5.
Updating these two packages resolved the issue for me:
Microsoft.AspNetCore.Components.WebAssembly
Microsoft.AspNetCore.Components.WebAssembly.DevServer

A: Based on my test, I find it is the problem about the version of vs.
I suggest that you use the latest vs2019 preview to open it.
I used the following vs2019 preview version without any problem.

A: As Jack J Jun suggested, I installed the preview version of VS.
It worked. But as soon as I install the extension CodeMaid, the error came back. When I deactivated CodeMaid, the error disappeared.

redpajama_set_name: RedPajamaStackExchange


text:
105-year-old woman lived through Spanish flu and coronavirus
by: Francesca Washington
GALLUP, N.M. (KRQE) – At 105 years old a New Mexico woman has lived through two pandemics, a century apart. Even though she's tested positive for Coronavirus her family says she's still in good spirits.
"She was four-years-old when the Spanish flu hit," says Luby Grenko's granddaughter Misty Tulson. Now at 105 in a Gallup nursing home, she got the news so many people fear, she has the Coronavirus. "It was earth-shattering but it was kind of expected at her age," Tulson says.
Luby Grenko was born in Gallup in 1914 and when the Spanish flu hit, "It took her mother's life and her mother was 28-years-old. It also took her baby sister's life who was a month old," Tulson says.
Historical photos of 1918 Influenza
Tulson says it's a time her grandmother hasn't forgotten, "She said I just remember my mom went to the hospital and never came back," Tulson says.
After her mom died, Grenko's family moved to Croatia, where they lived for ten years before coming back to New Mexico. "She is just always the funniest, always the life of the party and just such a joy to be around," Tulson says.
Tulson says her grandmother's diagnosis has slowed her down physically but it hasn't changed her attitude. "She's singing her little Croatian songs every day and she just prays a lot," Tulson says.
The 105-year-old isn't out of the woods yet but her fever and cough are gone so her family is hopeful for her recovery." "If anyone could beat it. It would be her," Tulson says. Grenko will turn 106 in August.
Police in Louisiana investigating fatal shooting


text:
Wagner's "Die Meistersinger": Walther's Prize Song from the Third Act
July 15, 2022 by Timothy Judd
Richard Wagner's 1868 opera, Die Meistersinger von Nürnberg, is a comic love story, set in sixteenth century Nuremberg. The historical Meistersinger (Master Singers) were a guild of amateur poets and musicians who were primarily middle class master craftsmen of various trades. The guild's Tabulatur, or law-book, established an intricate system of rules which dictated the structure and performance of songs.
In the opening scene of Wagner's opera, Walther, a knight who has just arrived in Nuremberg, instantly falls in love with Eva, the daughter of a rich goldsmith and Mastersinger. Eva's father has promised her hand in marriage to the winner of the annual singing contest. Walther's initial efforts to join the Mastersingers are thwarted. His song is too free and it violates the rules. Beckmesser, the expected winner of the contest who wants to marry Eva, views Walther with suspicion. At first, Walther and Eva plan to elope. In the final act, the cobbler and expert Mastersinger, Hans Sachs, learns that Walther has had a vivid dream and urges him to use it as the basis for a song. Sachs transcribes the song as Walther sings it and teaches him the rules of the guild along the way. When the two men leave, Beckmesser finds the mostly complete Prize Song and gleefully steals it. To Beckmesser's surprise, when Sachs finds out, he offers the song to Beckmesser as a gift. The competition takes place in the final scene of the opera. Although he is an excellent singer, technically, Beckmesser mixes up the words and mangles the melody. He is laughed off the stage by the audience. Sachs urges everyone to allow Walther, the outsider, to perform the song properly, after which Eva crowns him with the victor's garland.
Here is Walther's Prize Song, performed by Roberto Saccà, and Anna Gabler at the 2013 Salzburg Festival:
Wagner: Die Meistersinger von Nürnberg, Daniele Gatti, Monika Bohinec, Anna Gabler, Roberto Saccà, Wiener Philharmonic (2013 Salzburg Festival) Amazon
Categories Opera, Romantic Period Tags Die Meistersinger von Nürnberg, Wagner, Walther's Prize Song
Brahms' Second Violin Sonata, Op. 100 and Five Songs, Op. 105: Musical Siblings
Bach's Trio Sonata in G Major, BWV 1039: Traverso Triumph