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Yield PRO TV
Yield PRO
Deal boom
New England region
Meridian Capital Group arranges $52 million in financing for a multifamily community in Aberdeen, NJ
Meridian Capital Group, America's most active dealmaker, arranged $52 million in financing to refinance a multifamily community in Aberdeen, NJ on behalf of BNE Real Estate Group.
The 15-year loan was provided by a life insurance company and features five years of interest-only payments. This transaction was negotiated by Meridian Managing Director, Marvin Jeremias, who is based in the company's Iselin, NJ office.
Located at 1101 Schindler Drive, the Link at Aberdeen Station is a luxury multifamily community consisting of five, five-story buildings totaling 227 studio- to two-bedroom units. The property was constructed at the end of 2018 and offers residents an array of community benefits, including a gated entry, resident lounge, private conference room, outdoor swimming pool, electric car charging stations, and 24-hour onsite maintenance, while individual apartments feature best-in-class amenities such as stainless steel appliances, quartz countertops, central heating and cooling, in-unit washers and dryers, and wood-style flooring.
The Link at Aberdeen Station is located less than 30 miles south of Manhattan and enjoys easy access to the city via the New Jersey Transit at the Aberdeen-Matawan train station, which is conveniently located next to the property. Residents also benefit from a quick commute to New Jersey's popular shore locations.
"The Link at Aberdeen Station is a newly-developed, contemporary style community that is a stand-out property in the area," said Mr. Jeremias. "Meridian successfully structured permanent financing on the property with favorable terms to replace the construction loan while the asset was in the middle of the lease-up process."
About Meridian Capital Group
Founded in 1991, Meridian Capital Group is America's most active deal maker and one of the nation's leading commercial real estate finance and investment sales firms. In 2018, Meridian closed over $37 billion in financing through more than 3,500 transactions across more than 250 unique lenders and sold nearly $1 billion in commercial property. Since inception, the company has closed more than $300 billion in financing with the full complement of capital providers, encompassing local, regional and national banks, CMBS lenders, agency lenders, mortgage REITs, life insurance companies, credit unions and private equity funds. Meridian represents many of the world's leading real estate investors and developers and the company's expansive platform has specialized practices for a broad array of property types including office, retail, multifamily, hotel, mixed-use, industrial, healthcare, student housing and self-storage properties. Meridian is headquartered in New York City with offices in New Jersey, Maryland, Illinois, Ohio, Florida and California.
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ABI Multifamily—the leading multifamily brokerage and advisory services firm in the Western US—is pleased to announce the $24.25 million / $151,563 Per Unit /...

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Lenovo IdeaPad S215 Review
By John R. Delaney
https://www.pcmag.com/reviews/lenovo-ideapad-s215
The Lenovo IdeaPad S215 is an affordable 11-inch laptop that is travel-friendly and offers more than six hours of battery life. Just don't expect speedy performance or a touch screen.
Comfortable keyboard.
Solid-state hybrid drive.
No touch screen.
Middling performance.
If you want the portability and low price of a Chromebook, but can't live without Windows, check out the Lenovo IdeaPad S215 ($379.99 as tested). Powered by a quad-core AMD A4 processor, this 11-inch budget laptop has what it takes to handle your everyday home productivity and multimedia workload, and it'll give you more than six hours of battery life. It's slim, lightweight chassis is ideal for frequent travel, but it suffers from sluggish performance and lacks a touch screen.
At 0.82 by 11.7 by 8.1 inches (HWD), the S215( at Amazon Canada) will fit easily into most carry-on bags, and at 2.8 pounds, you'll hardly know it's there. The matte-black chassis has a textured finish, and like the Lenovo ThinkPad Edge E545( at Amazon Canada), the lid's dual-hinge assembly gives the laptop a sturdy, well-built feel.
The 11.6-inch, 1,366-by-768 display has a non-reflective matte coating and delivers crisp, well-balanced colors and a sharp picture. Unlike the Dell Inspiron 11 3000 Series 2-in-1 (3147)( at Amazon Canada) and the HP Pavilion 10z( at Amazon Canada), the S215's screen lacks touch capabilities, so you'll have to rely on the keyboard and touchpad for input. Fortunately, the island-style keyboard is full-size, responsive, and quite comfortable for an 11-inch laptop. You don't get backlighting at this price, however. The slightly recessed touchpad is on the small side, but there's still sufficient room for gesture commands, such as swiping, zooming, and scrolling. The two mouse buttons are also responsive and deliver a subtle click when pressed.
Our Experts Have Tested 149 Products in the Laptops Category This Year
There's a decent selection of I/O ports, considering the S215's slender chassis. The right side contains one USB 2.0 port, a headphone/microphone jack, a 2-in-1 card reader, and the power port. On the left side are a USB 2.0 port, a USB 3.0 port, an HDMI video output, and a LAN port. There's a 720p webcam and microphone array embedded in the display's upper bezel and a pair of tinny-sounding speakers embedded in the base. Wi-Fi b/g/n and Bluetooth 4.0 networking circuitry are also included.
Dell Inspiron 11 3000 Series 2-in-1 (3147)
Read Our Dell Inspiron 11 3000 Series 2-in-1 (3147) Review
Lenovo ThinkPad Edge E545
Read Our Lenovo ThinkPad Edge E545 Review
Acer Aspire E3-111-C1BW
Read Our Acer Aspire E3-111-C1BW Review
The S215 contains a solid-state hybrid drive (SSHD) comprised of a 500GB, 5,400rpm traditional hard drive and 8GB of solid-state storage. It has Windows 8.1 installed, as well as Lenovo Photos, Cyberlink PowerDirector, Cyberlink PhotoDirector, trial versions of Microsoft Office 365 and McAfee LiveSafe, and Lenovo's VeriFace face recognition software. Lenovo covers the S215 with a one-year warranty.
Armed with a 1.5GHz AMD A4-5000 processor, 4GB of memory, and an integrated AMD Radeon HD 8330 graphics engine, the S215 turned in mediocre scores on our benchmark tests. Its PCMark 8 Work Conventional score of 1,661 squeaked past the Intel-Celeron-powered Lenovo G40( at Amazon Canada) (1,581), but lagged the AMD-E1-powered HP Pavilion 10z (1,922), and the Intel-Pentium-powered Dell Inspiron 11-3147 2-in-1 (1712).
Video encoding performance is better. The S215's Handbrake encoding test score of 6 minutes 39 seconds is more in line with the Acer Aspire E3-111-C1BW( at Amazon Canada) (6:03) and the Dell 11-3147 2-in-1 (5:54) and thrashes the Lenovo G40 (15:54) and the HP 10z (15:29) by a wide margin. Gaming performance is slightly better than what we saw from systems that use the integrated Intel HD Graphics engine, but with frame rates of 6 and 8 frames per second on the medium-quality Heaven and Valley tests, respectively, the S215 is simply not cut out for gaming. The 36-watt battery lasted a respectable 6 hours 19 minutes on our battery rundown test, but couldn't match the battery life of the HP 10z (6:38) or the Dell 11-3147 2-in-1 (8:24).
See How We Test Laptops
The Lenovo IdeaPad S215 is a good choice for Windows users who require ultrabook portability at budget pricing. Its quad-core CPU notwithstanding, you'll have to be patient while it slogs its way through certain productivity and multimedia tasks, but it's easy to travel with and offers a comfy full-size keyboard and a nice selection of I/O ports. Unfortunately, you don't get touch-screen capabilities with this model. If that's a deal breaker, our Editors' Choice entry-level convertible-hybrid laptops, the Dell Inspiron 11 3000 Series 2-in-1 (3147), is the way to go. It's a better performer with longer battery life and a flexible touch screen, and its list price is around $75 less expensive.
The Best Gaming Laptops for 2022
The Fastest Laptops for 2022
How to Run Your Laptop With the Lid Closed
By Whitson Gordon
By Tom Brant
About John R. Delaney
As a Contributing Editor for PCMag, John Delaney has been testing and reviewing monitors, TVs, PCs, networking and smart home gear, and other assorted hardware and peripherals for almost 20 years. A 13-year veteran of PC Magazine's Labs (most recently as Director of Operations), John was responsible for the recruitment, training and management of the Labs technical staff, as well as evaluating and maintaining the integrity of the Labs testing machines and procedures. Prior to joining Ziff Davis, John spent six years in retail operations for Federated Stores, Inc. before accepting a purchasing position with Morris Decision Systems, one of New York's first value-added resellers of the original IBM PC. For the next five years, he was responsible for buying and configuring IBM PC, XT and AT desktops for many of New York's financial institutions. He then worked for the now defunct ComputerLand chain of PC dealers before joining PC Magazine in 1987.
Read the latest from John R. Delaney
Ultraloq U-Bolt Pro Wi-Fi Smart Lock Review
Wyze Thermostat Review
Ring Floodlight Cam Wired Pro Review
Coway Airmega 250S Air Purifier Review
Ezviz C8C Outdoor Pan/Tilt Camera Review
More from John R. Delaney
Lenovo IdeaPad S215


Enter your website URL in the box.I would recommend to enter non www version of your website URL.After that you will be directed to verification page.
But HTML file upload is the way to go.This is very simple method to implement.You need to download the file from Google Webmasters.After that upload HTML file downloaded from Google Webmasters to your web hosting root directory.
After uploading the file click on verify button on Webmasters page to verify your site.After verifying your website you will be directed to Dashboard.
Now we will cover different options Google Webmasters provide.
Sitemaps are way to inform Google about your website.To add sitemap Click on Sitemap option under Crawl option.
On the right hand side you can see option Add or Test Sitemap.You can use the option to check your sitemap for errors before submitting it to Google.In case you are using WordPress then you can use my Sitemap plugins (image sitemap , mobile sitemap) as well.
On this page you will see two text boxes your robots.txt file content and URLs and user agent to test against.
In this first box your robots.txt file content is shown and in second box you can mention your domain (your-domain.com).
Click on the Test button at end of the page to validate your robots.txt file.
In case of any issues you can edit contents of robots.txt file on first text box and test the changes.
If things are working fine you can copy the contents to your robots.txt file.
Google does take time to crawl and index your content after submitting sitemap.You can speed up the process by submitting some of your pages. Google then indexes the page.It also indexes the page linked with the page.To submit your pages to Google you can use Fetch as Google sub option under Crawl option.
Crawl errors lists errors Google found while crawling your website.You should try to minimize the errors.Minimizing the number of crawl errors will increase Google experience while crawling your website.It also increases chances of your website content getting indexed faster.The crawl error section is divided into 3 parts Desktop,Smartphone and Feature Phone.
Crawl stats gives idea about Pages Crawled per day.It is number of pages crawled by Google a steady number if fine.It the number is decreasing with time then it is a worry.You should visit the crawl error section and time spent report to get idea of problem.Also look if your sitemap has some issues.It also indicates Kilobytes downloaded per day and Time spent downloading a page.Time spent downloading a page should be less if high then it means that your website is too slow.Slow websites do hamper crawling process of Google.
It gives number of pages indexed over a period of time.The number should be close to actual number of pages on your website.If it is decreasing on constant basis then there is an issue.You need to take corrective action as mentioned in other sections of this post.
This section is very important.It lists keywords Google found on your website.It does not list keywords found on any particular page.Instead it lists keywords found on all pages of your website.So you should check this section to see if the keywords you want to rank for is listing here or not.
You can also download whole table and get an idea of keywords your site presents to Google.You can take help of this list of optimize your website of your target keyword.
This section is important.It gives you idea about Meta Description,Title tag and Non index able content.
Meta Description should be of 150 characters.Every page should have unique meta description.If there is any issue with Meta description then the issue is reported here.
Long Meta Description – Meta description is longer than permissible length try to shorten it.Search Engine will truncate longer meta description while showing your content on search engine results page (SERP).So you should optimize your Meta Description in permissible limit of 150 characters.
Short Meta Description – Meta description is too short try to increase the length of it but not more than 150 characters.Short Meta descriptions mean you are missing out chance of presenting your content.Meta descriptions along with Titles help visitors decide which search result might answer their query.
Issues with title tag are reported in this section.Title should be around 55 characters.If title are too big then search engines truncate them on SERP.SO you should try to create short but interesting titles.Searchers click on search results with Catchy titles and interesting meta description.It also displays issues like Duplicate Title on your website.
The content on your website Google has difficulties indexing is listed in this section.If there is any entry here then you must take corrective action.
This section lists structured data used on your website.Structured data I would recommend using Schema.org on your website.In case you are not aware of Schema.org then read this tutorial. You can also download commonly used Schema.org tags like Image,Video and Review from the post.After downloading just paste the code on your content and it will work fine.
It is easy to implement and have good benefit.This website uses Schema.org.Google reports number of structured data found on your website and errors if any.Later in the post I will cover the tool which can be used to test Schema.org tags before implementing on your website.
This section gives you idea about Google search engine rank of your website for keywords.You can get keywords list for Web Search,Image Search,Mobile Search and Video Search.You can also get combined report of all these searches.It also shows recent improvement or decrease in your Click Through Rate or Search Rankings.Click Through rate is number of times searchers click on your website link in Search Results page.
Ideally improvement in these two parameters (Search Ranking and Click through rate) is important.You can also get idea of keywords for which a particular post is ranking for.You can optimize your post for these keywords based on the results shown on this page.
Since this is very important and requires more detailed explanation.I would write a more detailed post just on this topic.I would update link to the post here.
This section gives idea about sites linking to your website.It also lists number of links a particular page on your website have.All links mentioned in this section are external links.Links do play important role in ranking.It is good to have increase in link over the time.
This shows how content on your website is internally linked.The more linked a content on your page is the more important it becomes in eyes of Search Engine.You can use this tool to increase internal links to pages which have less internal links.The internal linking should be uniform.You should not over link a content or under link one.There are exceptions like your Home page.Home page will have most internal links than any other page.
If some content on your website does not have enough internal link then you can consider adding links to them from similar articles.This help bring traffic to your old posts.
There are good persons on internet as well as bad persons.There are people out there spamming on your website or trying to do it.It lists spams on your website if any.In case there is some listed you should take corrective action.It is best to have this section empty.
This section lists security issues with your website.If your website is hacked or infected with virus then this section will list it.So you should this section regularly to check if there is any issues or not.Google also notifies with mail as well if your website is compromised.You get the message as mentioned in next point.This section mentions more details about the issue.
If you have any issue listed in this section then immediately take down your website.After that take corrective action to solve the issues.You should not continue to be online with compromised website.This will lessen importance of your website in eyes of search engine.You could lose all your ranking as well.So better is to take down your website and fix the issue.
If your website is penalized by Google for virus issues then you need to submit reconsideration request to Google after taking corrective actions.
Google has trouble indexing your website.
A copy of mail is send to your email address as well.The mail address with which you have created Webmasters account.
For example you have implemented Schema.org tags on your website and published the post.After publishing you can test your entire page to validate the tags and Google plus publisher or author markups.You need to paste the URL of the page.It also shows look of your website on SERP (Search Engine Results Page).
You can also validate your Structured data HTML code before implementing on your website.It is good practice to validate the tags before implementing.You can verify it and then implement on your website.You just need to paste the HTML code.
Google Webmasters is great tool in hand of Webmasters free of cost.If you are not using it then you should start using it without any delay.If you are using it then make sure you make most out of the tools and reports provided by Google.These free tools are extremely powerful.There are many paid solutions out there.But if you use these tools perfectly or to some extend then you do not need any SEO specialist to give your blog a boost in Google Ranking.
You just have to write good original content and do the basics right as suggested by Google Webmasters or other tools like Bing Webmaster or Yandex Webmasters.Doing these two things right will see your website in good position.


Abstract: In the life assurance industry in Ghana, customer care has become a pivotal aspect. Swift delivery and efficient services are vital when it comes to payment of claims. However, the industry is besieged with several complaints from customers as a result of deficiencies in claim settlement. The study therefore seeks to unravel the impact of customer care and consumer purchasing behaviour on life assurance products in Ghana. Enterprise Life Assurance Company Ltd was purposively selected for this study and 396 subscribers were sampled and questionnaires administered to them. Statistical tools embedded in the SPSS were used to analyse the data and it was revealed that there is high level of customer care practices at Enterprise Life Assurance Ltd in terms of proficiency of service delivery, media and presentation of messages to customers, the physical and ethical excellence, service delivery process, security and dynamic operations, credibility and functionality. Enterprise Life Assurance Company Ltd also provides high level of physical and ethical excellence in terms of the provision of proper drinking water and sanitary facilities and visually appealing signs, symbols, advertisement boards, fliers, and other artifacts in the branch offices. Key among the recommendations are further improving the customer care practices of the company, training of staff on customer care practices, awareness creation about the products and policies of the company and customer segmentation.


text:
Take Action – Sign our petition!
End the keeping and trade of primates as pets
Thousands of primates are being confined in UK homes.
Socially isolated and with inadequate stimulation, non-human primates such as marmosets, capuchins and squirrel monkeys are being kept as pets, destined for life long suffering in an unnatural environment. Many of these animals have been found to be socially isolated and kept in cramped and barren conditions.
Primates are intelligent, social and long-lived animals. We believe the welfare needs of primates can never be met in a house, shed or garden cage and that these complex animals are unsuitable companion animals.
15 European countries have already introduced bans on keeping primates as pets, for either all, or some, species. We now call on the governments in the UK to follow.
Take action! Sign our petition today to show your support by joining us in speaking out for all the pet primates imprisoned in the UK.
Read Wild Futures Privacy Policy
The Big Give Christmas Challenge 2022
"We are meant to be a nation of animal lovers, so why the trade in a wild, social animal with complex needs is still legal, continues to astound me. Joey's story is not unique – many of the monkeys rescued by Wild Futures have their own terrible tales. Taking part in this project was important to me and I sincerely hope that many people are moved to support Wild Futures' work, so that the charity can campaign to put an end to the trade and rescue more monkeys in need"


Wow. If this is being floated with a simulated load then this vehicle is showing impressive buoyancy. I really expected it to ride lower in the water. Note too that it's carrying the Denel 30mm RWS (I believe) so that makes the freeboard even more impressive (again assuming that it's carrying a simulated load).


text:
Embroidered workwear can incorporate neatly sewn -in company names and company logos on the work…
On the Catwalk, What's On
Madi is a Saudi fashion brand launched in Riyadh in 2015 by Madawi Saad. Madi…
Embracing a slower paced life, Chinese design label LER revisits Normcore in its debut at London Fashion Week
(London 22 August 2017) A Shanghai-based brand, LER, will make its debut at London Fashion…
Accessories, On the Catwalk
Dress for success, we've all heard that advice and many cases, it's true. The way…
If you're like most women, you have dozens upon dozens of sandals, sneakers, loafers, flip-flops,…
London sock brand Look Mate's newest collaboration with leading illustrator and designer Yoni Alter. Each…
Glam, On the Catwalk
You don't have to depend entirely on your ancestors to acquire a few of these…
How to Pick the Perfect Shoes
Are you looking for the perfect shoes you can wear this season? How do you…
Celebrity, On the Catwalk
As far back as one can remember famous celebrities have been wearing the jewelry made…
Latest trends in eyewear that fits your personality- GLAMUK
Be a quirkier fashionista whatever the weather! Know the latest trends in eyewear that fits…
There are all types and styles to choose from, but finding the best-fitting boots…
If you ever find yourself invited to a themed 80s fashion party here is what you need to know.
Do you remember the 80s? Whether you were an adult or a teenager, there is…
A Season Of Classic Looks And Delicate Details – GLAMUK
The "new suit" features fitted jackets paired with slim pants and skirts, for a polished,…
The perfect makeover for you – GLAMUK
Are you a woman who has thought about changing your appearance? For many women, thinking…
Director of Fashion in Film at Central Saint Martins talks…
While in high school he maintained a huge interest in…
Interview With Michael D. Sellers
Interview With Michael D. Sellers, Who Produced "Karla" for MovieBank…


text:
Geoscience Australia's web mapping toolkit.

Contains AngularJS-based modules to support rapid development of web mapping applications.

Available via `bower install geo-web-toolkit`.

## Requirements

Required:

* Java 1.6+
* Maven 3+

Recommended:

* NodeJS^

^a local copy is installed as part of the Maven build, but a global install will make it easier to quickly run the JS unit tests locally.

## Building

The toolkit can be built using Maven

`>> mvn clean install`

Or can be built without the need for Java using Grunt using `grunt build`.

Angular dependency graph can be generated using `grunt angular_architecture_graph` but does required [`graphviz`](http://www.graphviz.org/) to be installed.
The output of this can be found in the `/architecture` folder. This generates an overview module graph as well as detailed component level diagrams for all internal modules.

## Documentation

Maven build generates ngdocs in the `docs` directory.

[Generated docs are available](http://geoscienceaustralia.github.io/geo-web-toolkit/docs/).

[JSFiddle showing a simple example](https://jsfiddle.net/ky7nkr9s/7/).

These docs are also generated by using the default `grunt` task.

## Running tests locally

Make sure all NPM dependencies are installed.

`npm install`

Make sure all Bower dependencies are installed.

`bower install`

Then the Karma runner can be launched using the following (assuming you have installed Karma globally as described at http://karma-runner.github.io/0.12/intro/installation.html)

`>> karma start src/test/js/config/karma.conf.js`

Tests can be executed by using `grunt karma`

#### Name change for directives
As of bower version **0.20.x onwards**, directives will use the `geo-` prefix as opposed to the old `ga-` prefix.
This is to make the names more meaningful as well as make them less Geoscience Australia centric.

redpajama_set_name: RedPajamaGithub


text:
KISS Commemorates
The band put on a show for Ferris students while doing our country a service
Posted by Brandy VanDenbrook on September 22, 2010 in Culture.
Smashing KISS Concert: A KISS concert was held at DTE Energy Music Center on Sept. 11. The band donates $1 from every ticket sold for the Wounded Warrior Care Project. Photo Courtesy of Brad Anderson from KISS LIVE Album
The "Hottest Show on the Earth" tour stopped in Michigan on Sept. 11 to commemorate not just a homecoming, but also the tragedy that happened on that day nearly a decade ago.
KISS performed at DTE Energy Music Theatre in Clarkston, Mich. on the anniversary of the 9/11 tragedy. Despite poor weather conditions, the theatre was packed and among attendees there were a few Ferris students enjoying the show.
Jenna Pace, sophomore in the criminal justice program, attended the concert on that rainy day and said, "It was amazing. My favorite part was when they sang 'Beth'."
Pace was introduced to the band in her junior year in high school. She really enjoyed their music and has been listening ever since.
"I like KISS because their music is really fun and upbeat," said Pace. "My favorite song would have to be 'Shout it Out Loud' or 'I Was Made for Lovin You'."
Ross DuMonthier, sophomore in the pre-optometry program, also attended the concert. He started listening to KISS when he was around eight years old.
"I like them because they put on a good show and are very into their music and fans," said DuMonthier. "My favorite song has to be 'Rock n' Roll All Night' probably because that was the first KISS song I ever heard and I used to sing it all the time when I was young."
DuMonthier wanted to go to the concert because he has liked KISS for a long time, but never had the chance to go to a concert, and he doubted he would have many more opportunities.
"I think people our age like this type of music because we grew up with parents who listened to it and a lot of the more recent music we listened to has branched off from the type of music that KISS plays," said DuMonthier.
Nolan McBride, junior in the pre-med program, won tickets for the concert at this years Meijer Madness and said, "I wasn't much of a fan before the concert, but I thought the performance was awesome and I really enjoyed the show. My favorite part was when they played the final song and most popular song, 'Rock n' Roll All Night,' and the entire crowd was singing along."
While the fans enjoyment was certainly important there was also something else that needed to have the spotlight that night. KISS member Paul Stanly said, "This isn't just a rock n' roll night" during the show.
The anniversary of Sept. 11 was on the mind of KISS and even some of the attending fans as demonstrated by one man who dressed as Captain America.
KISS donates $1 from every ticket to the Wounded Warrior Care Project, which gives help to military personnel who have been seriously injured. At the concert, KISS brought three military personnel on stage to announce that the band has raised $372,354 for the project thus far.
Brian Aupperle, former Ferris student and current member of the U.S. Air Force, had a connection to one of the personnel on stage. Sergeant Charles Filkins of the U.S. Air Force was one of the three members on stage and Aupperle's recruiter.
"KISS is doing the Wounded Warrior Project and they wanted three military representatives to stand on stage to accept the check," said Sgt. Filkins. "An email came out to our squadron and I was the first one to respond and got to be one of those three."
Sgt. Filkins said he has been listening to KISS is entire life and being able to stand up there with the band was very cool.
When asked what his favorite moment was, Sgt. Filkins said, "I started chanting U.S.A. when I was on stage and the whole crowd started chanting with me. Another favorite moment was when KISS had the entire audience stand up and do the Pledge of Allegiance."
Sgt. Filkins also got to play Gene Simmons' bass guitar. He said Simmons was towering over him and got fake blood on his uniform, which he hung up and has no intentions of washing.
Sgt. Filkins added that as a member of the military it was nice to see such an iconic band care about the troops.
"They took money out of their paycheck and time out of their day to honor us like that and it was a huge honor," said Sgt. Filkins. n


Follow these five steps to create a consistent brand voice, Create a brand voice chart. With your brand's voice Guidelines for Sharing and Republishing... Find out how with these essential steps to brand building for growth. Document all the brand guidelines you create and distribute internally for reference.
Optimize My Brand Strategy, Then edit and create your document. Here are a few examples of a brand refresh, brand guidelines and templates.


I'd like to make a new YouTube channel or feature on my existing one dedicated to Toys to Life and Skylanders discussion. Going into topics that interest me, talking about figures and merchandise, reviewing individual characters and covering news stories should there be any. I know this isn't the best time to do it when the hobby isn't what it once was, but I'm very much interested in archiving the physical and digital stuff, and revisiting content that's no longer accessible.
Where you come in is the naming of such a channel or feature. I was thinking along the lines of "Johnbonne on Skylands" (as in Floyd on Oz, Floyd on the lam, etc.), or "Your Brain on Skylands", however I'm open to suggestions and if it can cover toys-to-life in general that'd be sweet!
Sorry if this is the wrong place to post; it seemed the most relevant as I want to get more into the collecting side, and I've got quite a lot of ideas for content already! I hope you enjoy whatever it is we come up with!
if that is what you want to do then go for it.
That's very true, and I encourage this of anyone who wants to make content. But I was just looking for suggestions; I'm not very good at committing to choices, so if I see a name that really stands out, I'd absolutely go with it!
I think it would be interesting to see subjective reviews of skylanders in game and also the figures.
You could talk about things you liked and disliked about them, as well as opinions on skylanders you don't even own and if you want them or not.
Another idea is for fun more than anything, but you could see what the skylanders look like with different hats and trinkets, finding which ones look stupid or not, something nobody has done at least on YouTube.
As for the name I don't know what it should be called, it really depends on what the videos would be about, if it's the games or the figures and if they are reviews or playthroughs.
I can't be a personal director but I have just a few ideas that could help you get started.
If you did end up doing it, I'd defiantly watch it.
Thanks for your support! Those seem like really cool ideas but I'm definitely more into the information side than making it funny & nonsensical at times. Reviews will definitely be my priority, next to vlogs that discuss Toys to Life (and perhaps go into hobbies like Warhammer 40k). I guess I could do something like Top 10 Hat & Trinket Combo lists (perhaps a monthly feature?), and get a few giggles that way. But above all else for me this is about preserving as much knowledge as I can, and then later getting info on prototypes and other such things.
The name I'm going for is Fistfantastic Plastic (because "FISTFANTASTIC" is the highest compliment I can give something on my channel), provided of course the toys are made of plastic and not something like resin or silicone. I'm not sure what they're made of, but if it's not plastic I'd better just change the name to "Your Brain on Skylands", eh?
Cheers again for your advice, it's very much appreciated!
Thanks for that, SoulfulWolf! I knew the first stage of making the figures was done in 3D printing, but I didn't know they were massed produced that way! I always imagined them being done in giant factories with huge machines doing them. That's awfully fascinating!
As for your enquiry about TTL in general, yes, I would absolutely love to go into the old toys. UBFunkies, Sick Bricks, Swypeout and many others that I fail to remember the names of came and went in the UK, not getting anywhere near as much attention as in the rest of Europe or especially America. Because of how much attention the main brands hog nowadays, it's hard to find solid information on old toys to life. All I need are the names of some of these old brands and I'll be able to research them as best I can!
Can you or anyone else remember which TTL games there were prior to Skylanders?
Oh, well I don't know for sure if the main line of toys are 3D printed still or not, I just sort of assumed. It might still just be prototypes. But I can assure you they're still plastic! They just, seem like that's the material used, from the feel, texture, smell, and what it looks like when it breaks or melts.
Transformers: Robots in Disguise had a mobile game that used a similar concept, although not quite "toys to life" and not prior to Skylanders. Every toy from the line had a special badge that, when scanned with a smartphone, would unlock the character in the game. Different sizes and color schemes of the same character would actually unlock separate versions with different details and colors (and stats) to match the actual toy. Even some of the merchandise had scannable badges, but they usually just unlocked currency or random powerups. I know all this due to already being a Transformers collector before I even started with Skylanders.
Thanks for the additional input, this is really kicking off! The way I see Toys to Life is really just any real world object that's a peripheral to a video game, including - but not limited to - cards and discs, but if there are figures (even if they plug into the game via US , I'll still accept them for discussion on the show.
There were some cheap non-console games based on "How to train your Dragon", TMNT, and Power Rangers that used the TTL concept.
In Japan there was a Kamen Rider game that used it as well.
Oh neat, thanks for those! If I can get my hands on them I'll see what I can make of them!
The first three I mentioned were called "Hero Portal" and apparently also had DC superheroes. The other was called "SummonRide".
If we're going into cards counting as TTL, there have been a bunch of Japanese Arcade games that utilize a card system, or something similar. The first few I can think of are Dragon Ball Heroes, which to my knowledge is still going strong, having just released cards for Goku's Ultra Instinct Form from Super, which was just introduced. Or like, some Beetle King game where you fought beetles using collectible cards on the arcade- machine.
Here's the first episode of Fistfantastic Plastic, where I talk about what makes a figure appealing to me, and my favourite figure in the entire genre! This is one of the many discussion/vlog-type episodes I'll be doing, but individual figure reviews and potential in-depth reviews of other TTL games will be done in the style you can see elsewhere on my channel. Feel free to give feedback either in this thread or in the comments section so I can get a better idea of how to improve (though I am aware the editing and better set-up could be done).
I'm still looking for suggestions and ideas, as this is only a pitch. If you want to see more, please let me know what ideas you have or if you've any questions you'd like me to answer in a video!
EDIT: I've been going over the names of brands you've mentioned and while finding information on them isn't too hard, getting physical copies in the UK is difficult. What few things show up on eBay and Amazon to purchase will cost a fortune in import taxes, so I'd rather look at those later in the channel's life.
On the bright side, I have come across a motherload of UBFunkeys for £10, so I may do an unboxing revealing the stuff I've purchased and talk a little about them based on my (currently) limited knowledge of the toy and their packaging as they are brand new in box!
Once again, thanks for your input, it's been real good to see people interested in toys to life outside of Skylanders!
I would suggest an episode noting how molds have been reduced. Skylanders items, Adventure pack molds, and battle packs have all gone away. Now they massively overprice a singular figure, tying the level to that figure. This is great for them reducing mold cost, but punishing for the minimalist targeting those figures in the bonus packs.
Maybe go into how the Wii made it difficult to patch, but with the games pushing over to online systems, it seems they could do more things that are free DLC.
Those're some interesting suggestions, I could certainly give my opinion on those! I'll be away from tomorrow 'til Sunday, so I'll have plenty of time to mull over suggestions, I just won't be able to act upon them 'til I get back!


Department - B.E (CSE, ECE, EEE, IT, Mechanical, Civil), M.B.A, MCA, Science and Humanities, M.E.
To impart professional education integrated with human values to the younger generation, so as to shape them as proficient and dedicated engineers, capable of providing comprehensive solutions to the challenges in deploying technology for the service of humanity.
Electronics and Communication Engineering (ECE) is a constantly evolving discipline for Mobile phones, Computer chips, Fiber optics to ground-cockpit communications in aeroplanes and so on. This discipline covers the entire gamut of the avenues open for ECE engineers.
At DCE, our experienced professors contribute their best with a single minded focus on learning facilitation to create competent engineers, who are able to strive, survive and succeed in the IT and electronics industries. Adequate emphasis is given to practical application of theoretical concepts, so that, students are geared to face the challenges of the future.
To provide students with a solid foundation in Mathematics, Science and fundamentals of engineering, enabling them to apply, to find solutions for engineering problems and use this knowledge to acquire higher education.
To train the students in Electronics and Communication technologies so that they apply their knowledge and training to compare, and to analyze various engineering industrial problems to find solutions.
To provide relevant training and experience to bridge the gap between theory and practice which enables them to find solutions for the real time problems in industry, and to design products.
To inculcate professional and effective communication skills, leadership qualities and team spirit in the students to make them multi-faceted personalities and develop their ability to relate engineering issues to broader social context.
To demonstrate and practise ethical and professional responsibilities in the industry and society in the large, through commitment and lifelong learning needed for successful professional career.
To demonstrate and apply knowledge of Mathematics, Science and engineering fundamentals in Electronics and Communication Engineering field.
To design a component, a system or a process to meet the specific needs within the realistic constraints such as economics, environment, ethics, health, safety and manufacturability.
To demonstrate the competency to use software tools for computation, simulation and testing of electronics and communication engineering circuits.
To identify, formulate and solve electronic and communication engineering problems.
To demonstrate an ability to visualize and work on laboratory and multidisciplinary tasks.
To function as a member or a leader in multidisciplinary activities.
To understand the impact of Electronics and Communication Engineering in the society and demonstrate awareness of contemporary issues and commitment to give solutions exhibiting social responsibility.
To demonstrate professional & ethical responsibilities.
To exhibit confidence in self-education and ability for lifelong learning.
To participate and succeed in competitive exams.
4 Ms. Esther Gandhimathi S M.E., (Ph.D.) Asso.Pro.
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2 Mr. Vijayanand S M.E., (Ph.D.) Asso.Prof.


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What Are Glittery Doodle Texts About and Why Would You Want Them?
There are lot of inexplicable things in life that people spend money on and for a lot of folks, glittery doodle books and cards are among them. As odd as it may seem, there are actually many people who spend money on written and drawn materials that most would assume were actually meant for kids. doodles aren't just for fun. You can send them as gifts and look for internet snelheid testen ziggo. With just a little amount of glitter and colourful strokes of a pen, you can create your art without being too critical on details. Naturally, there are examples that fit into this category, but it's a more diverse industry than that. It's a bit like an Amsterdam holiday, in that respect.
Before anything else, it's important to clarify what is being discussed her when talking about glittery doodle text in the form of books, cards, and even posters. The simple answer is that it's basically all of those things but featuring writings and illustrations similar to those made by children in grade-school. As to why anyone would actually buy such things, the answer is as follows.
One of the biggest reasons why there is an industry where customers actually pay for books and cards that look as if they were made by children is the simple fact of Nostalgia. That is to say, they are reminded of what it was like to be a child and to draw in such a way as to not pay any attention to technicalities or serious details. They are simply drawing what they like in the way that they like.
If not for themselves, customers can also simply buy such illustrative works and give them to someone else as a gift. As far as ideas for presents go, doodle books would not be the worst and it certainly earns points for being unique. Who would normally buy such things to give to someone as a gift? Giving them to children makes sense, but doing so to adults would be a bit odd. Buy some gift and score discount with treatwell kortingscode 10 euro.
Then again, what could be a better way to distinguish yourself from the rest of the crowd? Give meaningful gifts to your friends and family with doodle's version of famous Amsterdam sights to see. What makes a gift a great gift is the thought behind it. Let someone know you are thinking about them and sent them your personally made doodle art. It will definitely stand out.
Although not exactly something that can be considered fine art, there are still those who appreciate the artistic merits of such illustrations. These can come in the form of crayons, oil paintings, water paintings, or whatever else that may be associated with children's art projects. There are plenty of reasons to expect that some people just like to look at books, cards, or canvasses that are created with such a style.
Finally, there are many cases wherein the artwork that is presented in the form of doodle books can contain inspirational stories, words for motivation, and general life lessons. They would not necessarily be any different in terms of context when compared to other works of art in the form of a book and such. However, presenting the lessons in such a way might make them easier to digest for some people.
This would then make such pieces perfect for certain folks. It's like how Amsterdam top sightseeing spots can suit some travellers better than others while not appreciating other hotspots popular among tourists.


text:
Forget Gold, Your Money Is Better Off in These 3 Stocks
The good things gold offers can't match what investors could get from these three stocks.
Jason Hall, Tyler Crowe, and John Bromels
Jan 30, 2018 at 6:02AM
Gold can be an attractive investment to consider. The problem with gold is that its limitations can make it a much worse investment than it seems. To start, its value is heavily tied to investor speculation, not its commercial or industrial value. This has caused gold to be volatile, but not necessarily a better long-term investment than stocks.
Furthermore, its function as an inflation hedge, or downside protector against a stock market drop, requires a pretty high degree of accuracy -- or luck -- to work out. The past decade has been excellent evidence that it's very hard to predict when gold will be a better investment than stocks.
We asked three Motley Fool investors their thoughts on stocks that are superior to gold, and they identified Berkshire Hathaway Inc. (NYSE:BRK-A)(NYSE:BRK-B), Royal Gold, Inc (USA) (NASDAQ:RGLD), and Brookfield Infrastructure Partners L.P. (NYSE:BIP). Keep reading to learn what makes these stock notable, and if they're the right fit for your money.
An investment that does something
John Bromels (Berkshire Hathaway) Investing titan Warren Buffett has never been particularly bullish on gold, or really any commodities, for that matter. "The problem with commodities," he said, "is that you are betting on what someone else would pay for them in six months. The commodity itself isn't going to do anything for you."
Indeed, over the past five years, Buffett's wisdom has paid off handsomely for his shareholders. Holders of gold? Not so much:
Gold Price in US Dollars data by YCharts.
I'm picking Berkshire Hathaway as a better investment than gold today because of the sheer variety of ways in which it makes money. While there's only one way to make money with gold -- wait for its value to go up -- Berkshire holds investments in a wide spectrum of industries. It fully owns railroad BNSF, insurer GEICO, battery-maker Duracell, and dozens more. It also has major stakes in companies as diverse as Coca-Cola, Wells Fargo, Phillips 66, and IBM.
That diversification makes Berkshire a safer place for your money than gold. If one -- or even two or three -- of Berkshire's companies or industries goes south, strength elsewhere in the portfolio is likely to offset it. Meanwhile, if the price of gold drops, like it has over the last five years, gold owners are out of luck.
Getting something productive out of an unproductive asset
Tyler Crowe (Royal Gold): I'm not a big fan of lazy assets, and gold is a lazy asset. Sure, the price of gold will likely fluctuate over time, but there's no way for a physical ounce of gold to grow, or produce greater value. What's even worse is that gold miners are capital-intense businesses in a commodity industry where it's extremely hard to gauge supply and demand. Do you really want to buy and hold a gold miner when the S&P 500's total return has blown it out of the water over the past 25 years?
ABX Total Return Price data by YCharts.
If you want to make money in gold, you should think less like '49er prospectors and more like Sam Brannan, the richest man during the California gold rush, by looking at Royal Gold. Like Brannan, who sold the essentials to those prospectors, Royal Gold provides a valuable service to miners large and small: access to capital. Royal Gold is a royalty and streaming company that will provide upfront payments to miners in exchange for either an annual portion of the gold that comes from a mine, or the right to buy that gold at a deeply discounted price.
By buying gold at a significant discount to its price and not owning mines, Royal Gold is a high-margin business that doesn't require lots of capital investment. As a result, it can give back to its investors via a dividend that has grown steadily for more than a decade, and has actually beaten the S&P 500 on a total-return basis over the long haul.
There's gold, and there's investing in productive assets. Royal Gold is one of the few investments that falls in both categories, and anyone considering gold should look at this company.
The good things gold offers plus a lot more it doesn't
Jason Hall (Brookfield Infrastructure Partners): Gold is sometimes considered a nice defensive asset to own. Gold prices often go up when the stock market falls and can also act as a hedge against inflation. Unfortunately, for these upsides to pay off, you need to well time your purchase of gold for it to work out -- and it's almost impossible to accurately predict the next stock market crash, or inflationary period. Case in point: A lot of "experts" have spent much of the past decade predicting both, only to watch the stock market go on one of its best and longest bull runs ever.
BIP Dividend data by YCharts.
Instead of trying to time the market -- which the experts fail to do all the time -- a better approach is to invest in a business with the characteristics to provide some of what makes gold attractive, but can also do well in almost any environment. Brookfield Infrastructure is exactly that kind of business, owning infrastructure assets around the world that provide transportation, telecommunications, water, power, and energy, to key markets.
The services Brookfield provides are largely recession resistant, which makes its cash flows very steady and predictable in any market environment, while a significant portion of its revenues are under contracts with inflation adjustments built in, further protecting its downside risks. This has made Brookfield Infrastructure an incredible dividend-growth investment since going public. The dividend has more than doubled since 2010, with increases at least every year.
If you're looking for downside protection across economic environments, Brookfield Infrastructure is a far better investment than gold. It'll also pay you a solid income -- 4% yield at recent prices -- that grows regularly. Gold can't match that.
BRK-A
Berkshire Hathaway (A shares)
BRK-B
Berkshire Hathaway (B shares)
NYSE:BRK-B
NYSE:BIP
The 3 Most Expensive Stocks Warren Buffett Owns
3 Stocks Warren Buffett Is Likely to Add to in 2020
4 Stocks Buffett Seems Likeliest to Sell in 2020
Apple Is Likely Considering a Heftier Dividend Boost -- Here's Why
3 of Warren Buffett's Best Stock Picks in 2019
Forget Gold, Your Money Is Better Off in These 3 Stocks @themotleyfool #stocks $BRK-A $BRK-B $RGLD $BIP Next Article


text:
Desa Penaruban kan syfta på följande platser:

Indonesien

 Desa Penaruban (administrativ by i Indonesien, lat -7,39, long 109,38), Jawa Tengah,
 Desa Penaruban (administrativ by i Indonesien, lat -7,43, long 109,46), Jawa Tengah,
 Desa Penaruban (administrativ by i Indonesien, lat -6,97, long 110,06), Jawa Tengah,

Robotskapade Indonesienförgreningar

redpajama_set_name: RedPajamaWikipedia


text:
Change the appearance or behavior of DOM elements and Angular components with attribute directives.

See the <live-example></live-example> for a working example containing the code snippets in this guide.

## Building an attribute directive

This section walks you through creating a highlight directive that sets the background color of the host element to yellow.

1.  To create a directive, use the CLI command [`ng generate directive`](cli/generate).

    ng generate directive highlight

    The CLI creates `src/app/highlight.directive.ts`, a corresponding test file `src/app/highlight.directive.spec.ts`, and declares the directive class in the `AppModule`.

    The CLI generates the default `src/app/highlight.directive.ts` as follows:

    The `@Directive()` decorator's configuration property specifies the directive's CSS attribute selector, `[appHighlight]`.

1.  Import `ElementRef` from `@angular/core`.
    `ElementRef` grants direct access to the host DOM element through its `nativeElement` property.

1.  Add `ElementRef` in the directive's `constructor()` to [inject](guide/dependency-injection) a reference to the host DOM element, the element to which you apply `appHighlight`.

1.  Add logic to the `HighlightDirective` class that sets the background to yellow.

Directives *do not* support namespaces.

## Applying an attribute directive

1.  To use the `HighlightDirective`, add a `<p>` element to the HTML template with the directive as an attribute.

Angular creates an instance of the `HighlightDirective` class and injects a reference to the `<p>` element into the directive's constructor, which sets the `<p>` element's background style to yellow.

## Handling user events

This section shows you how to detect when a user mouses into or out of the element and to respond by setting or clearing the highlight color.

1.  Import `HostListener` from '@angular/core'.

1.  Add two event handlers that respond when the mouse enters or leaves, each with the `@HostListener()` decorator.

Subscribe to events of the DOM element that hosts an attribute directive, the `<p>` in this case, with the `@HostListener()` decorator.

The handlers delegate to a helper method, `highlight()`, that sets the color on the host DOM element, `el`.

The complete directive is as follows:

The background color appears when the pointer hovers over the paragraph element and disappears as the pointer moves out.

## Passing values into an attribute directive

This section walks you through setting the highlight color while applying the `HighlightDirective`.

1.  In `highlight.directive.ts`, import `Input` from `@angular/core`.

1.  Add an `appHighlight` `@Input()` property.

    The `@Input()` decorator adds metadata to the class that makes the directive's `appHighlight` property available for binding.

1.  In `app.component.ts`, add a `color` property to the `AppComponent`.

1.  To simultaneously apply the directive and the color, use property binding with the `appHighlight` directive selector, setting it equal to `color`.

    The `[appHighlight]` attribute binding performs two tasks:

    *   Applies the highlighting directive to the `<p>` element
    *   Sets the directive's highlight color with a property binding

### Setting the value with user input

This section guides you through adding radio buttons to bind your color choice to the `appHighlight` directive.

1.  Add markup to `app.component.html` for choosing a color as follows:

1.  Revise the `AppComponent.color` so that it has no initial value.

1.  In `highlight.directive.ts`, revise `onMouseEnter` method so that it first tries to highlight with `appHighlight` and falls back to `red` if `appHighlight` is `undefined`.

1.  Serve your application to verify that the user can choose the color with the radio buttons.

## Binding to a second property

This section guides you through configuring your application so the developer can set the default color.

1.  Add a second `Input()` property to `HighlightDirective` called `defaultColor`.

1.  Revise the directive's `onMouseEnter` so that it first tries to highlight with the `appHighlight`, then with the `defaultColor`, and falls back to `red` if both properties are `undefined`.

1.  To bind to the `AppComponent.color` and fall back to "violet" as the default color, add the following HTML.
    In this case,  the `defaultColor` binding doesn't use square brackets, `[]`, because it is static.

    As with components, you can add multiple directive property bindings to a host element.

The default color is red if there is no default color binding.
When the user chooses a color the selected color becomes the active highlight color.

## Deactivating Angular processing with `NgNonBindable`

To prevent expression evaluation in the browser, add `ngNonBindable` to the host element.
`ngNonBindable` deactivates interpolation, directives, and binding in templates.

In the following example, the expression `{{ 1 + 1 }}` renders just as it does in your code editor, and does not display `2`.

Applying `ngNonBindable` to an element stops binding for that element's child elements.
However, `ngNonBindable` still lets directives work on the element where you apply `ngNonBindable`.
In the following example, the `appHighlight` directive is still active but Angular does not evaluate the expression `{{ 1 + 1 }}`.

If you apply `ngNonBindable` to a parent element, Angular disables interpolation and binding of any sort, such as property binding or event binding, for the element's children.

@reviewed 2022-02-28


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The monetary programme for the current fiscal year (FY) 2015-16 and the policy stance for first half (H1) of the FY 16 outlined in the monetary policy statement (MPS) are based on our review of the expectations and outcomes of the policy stance pursued in FY15, as also on views and suggestions gleaned from our usual pre-consultations with erudite experts, business leaders and other stakeholders.
Let us begin with the projections and actual outcomes of the monetary program of FY 15, the preceding financial year. The objective of bringing down 12-month average CPI (consumers' price index) inflation under 6.5 per cent besides keeping it downward edging was attained by May 2015, coming down further to 6.4 percent in June 2015.
However, point-to-point headline CPI inflation edged up slightly to 6.25 per cent in June 2015 from 6.19 per cent of May. Non-food, non-fuel core CPI inflation has also remained upward edging in May and June, indicating that the task of bearing down on inflation expectations is not yet over.
Infrastructural inadequacies impeding investments, tepid global output growth, and disruptions to economic activities from political turmoil kept FY15 credit growth from domestic banking system at 10.4 per cent up to May 2015, much below the 17.4 per cent growth projection for the entire FY.
Domestic credit growth is expected to pick up somewhat in June, but is likely to remain under or around 11 percent; particularly as growth of credit to public sector remained negative up to June.
Credit growth to the private sector is estimated to remain around 13.6 per cent by June, against the initial projection of 15.5 per cent. It should be noted however that both public and private sectors have drawn upon financing from local non-bank sources and external sources as necessary, suffering no financing constraint.
Output activities of farm, off farm MSMEs initiatives remained proactively supported by the ongoing inclusive financing drives, and haven't faced financing constraint either.
The estimated 6.51 per cent real GDP (gross domestic product) growth attained in FY 15 is substantially higher than the preceding year's 6.06 per cent growth and in line with the BB projections; although lower than the initial target mentioned in FY15 national budget.
Growth performance would clearly have been better had the economy not faced the disruptions from political unrests.
Sustained GDP growth for several years at rates well above the global output growth rates enabled Bangladesh to cross two important milestones in FY 15. The first one is the upgrading to lower middle income country group from the low income country group, and the second one is the upgrading in OECD Export Credit eligibility ranking to group 5, one notch below India but ahead of all other South Asian neighbors.
Besides, these new attainments, consolidation of macroeconomic stability, foreign exchange reserve growth and poverty decline have maintained pace in FY 15, setting stage for transition to a higher growth trajectory.
Some quarters hold the view that setting high targets for credit expansion is needed for stimulating higher rates of GDP growth.
However, pumping in excessive liquidity in absence of progress in addressing the infrastructural adequacies and other well known investment impediments will only stoke inflation and worsen social inequity by encouraging unproductive speculative pursuits.
We have therefore been taking care in adopting cautious, restrained monetary stance ensuring adequacy of credit growth but at the same time avoiding undue excessive expansion. This stance is serving our economy well in maintaining inflation moderation and stability on a sustained basis.
The central bank has of course no disagreement whatsoever with the desirability of transition to a higher growth trajectory for Bangladesh economy; which is why the BB's monetary and financial policies provide proactive policy support for financing of all productive initiatives, large or small, in all sectors.
The export sector is accessing low cost foreign exchange financing from BB's US$2.0 billion Export Development Fund (EDF).
Non exporter manufacturing undertakings are also being allowed access to low cost long and short term external financing for import of capital equipment and production inputs. Domestic savings are as a result flowing in larger volumes into financing of MSME output initiatives.
The banks and financial institutions are drawing on low cost refinance windows at the BB against their financing of MSME output initiatives and environmentally benign green projects.
The World Bank (WB) supported Investment Promotion & Financing Facility (IPFF) window at the central bank is providing low cost refinance against long term infrastructure sector lending.
All the above mentioned support initiatives will continue in FY16, when and two new support windows will also be opened. The first is a US$300 million WB funded medium to longer lending window in foreign exchange for project investment in manufacturing units; and the second is a BB funded US$ 200 million window for refinancing against medium term lending in foreign exchange to export oriented manufacturing units in the textiles, apparels and leather sectors specifically for 'greening,' i.e., for transition to environmentally sustainable output processes and practices. Steps are also on for renewal of the IPFF with an enlarged size after its expiry in December 2015.
We believe that all these policy measures facilitating output initiatives accommodated in BB's FY16 monetary programme and its H1 FY16 monetary policy stance will support and advance the momentum of inclusive, equitable and environmentally sustainable growth, further consolidating inflation moderation and macroeconomic stability.
The FY 16 monetary programs projects 16.3 per cent domestic credit growth against preceding year's 10.4 per cent actual; to accommodate 7.0 per cent real GDP growth with 6.2 per cent inflation. Within this, private sector credit growth is projected to grow by 15.0 per cent in FY 16, against 13.6 per cent of FY15. The projected 23.7 per cent FY 16 public sector credit growth looks high mainly because of negative growth in FY15. Broad money (M2) growth is projected at 15.6 per cent for FY16, against actual 13.1 per cent of FY 15. The BB's reserve money growth is projected at 16.0 per cent in FY 16 against actual 14.3 per cent of FY 15.
Stronger domestic investment momentum will cause FY 16 net foreign asset growth to slow down to 5.2 per cent; the momentum of foreign exchange reserve growth will also slacken in FY 16.
Deficit in BOP external current account balance will also widen, but at around two percent of GDP will cause no major concern.
While the monetary program for the new financial year is designed to contain credit growth within limits consistent with real sector output growth, the BB will have no hesitation in considering easing of the repo, reverse repo policy interest rates to appropriate extent immediately as headline p-to-p and core CPI inflation assume clear downward edging turn.
The H1 FY16 MPS underscores the need for the BB's heightened supervisory attention on the financial sectors efficiency in inclusive channeling of financing flows to productive undertakings, in terms of credit discipline, risk management, corporate governance and accountability.
The MPS also clearly underscores BB's statutory mandate and responsibility of supporting inclusive, environmentally sustainable growth in its developmental central banking role. The BB's initiatives in these directions are attracting widespread external attention; particularly as these are being employed in Bangladesh in a manner enhancing rather than eroding price and macroeconomic stability.
This article is adapted from the opening speech of Dr. Atiur Rahman, Governor of Bangladesh Bank, gave at presentation of BB's MPS for H1 of the FY 16 held at the central bank headquarters in the capital Dhaka on July 30, 2015.