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Love it or hate it we are now destined to leave the European Union.
Personally I consider this to be a reckless move and one which will impact on the lives of not only those close to retirement like myself but also our children and grandchildren. There is much talk of democracy and of how the people have spoken and made their voice known.
I do get that but if every major decision in the governing of our country was left to the lottery of a referendum I am not sure we would still be living in a democracy. The risk of anarchy through ill-informed and disconnected decision making would be heightened. Isn't this why we elect people to Parliament to take these major decisions on our behalf? Surely when the leader (former) of the Government (which the majority of the country voted in) is saying its best to stay in Europe and the people decide its best to leave, does this not in itself undermine the whole democratic process and the sovereignty of Parliament?
Notwithstanding some tricky and so far unanswered constitutional questions, the fact is we are leaving and as I have been told so many times recently – I need to accept it and get on with planning my business accordingly.
Even though I initially pushed back when being told this, the fact is, it is when looking at the situation rationally, good advice. The time for moping and reflecting on what might have been should be viewed as over. As business people we need to look at this as yet another hurdle in life and one which needs a strategy to make sure we are able to survive, continue to grow and more importantly preserve jobs of those who work for us.
So what's going to happen to the property market? Who knows! Not even the experts are able to speculate on what might and might not happen. So what do we know for certain? The pound is weak and continues to fall in the currency market. The Stock Exchange is experiencing sever fluctuations in prices. The Country has been stripped of its AAA credit rating. The Government is split on Brexit and the Prime Minister ducking his responsibilities to the Country has decided to resign. The opposition is not effective and is in melt down. The long period of stability and certainty stemming from a severe recession has vanished overnight. Clearly given all of this you don't need to be an economist to know that we are now facing a financial crisis which will inevitably impact on consumer confidence.
As a consumer looking to buy or sale a property there is no longer any short to medium term certainty that interest rates will not increase, property values will not fall and job security will prevail. Not knowing what will happen in this respect will clearly cause the property market to stall. For how long who knows but most economists are looking at a 25% fall in transaction numbers over the next 12 months.
So what do we do? Bury our heads in the sand or as I say look to form and implement a strategy? The conveyancing market will contract this is inevitable so as a business there is a need to make sure a larger share of the market is secured. This can only be achieved through reducing prices and looking to reduce outgoings. Regrettably this could lead in some places to job losses.
The only upside to all of this is that the cost of borrowing could become cheaper and with property prices in some parts of the country falling this could stimulate some activity. Those who have job security may be well placed to make a move in the property market to grab a 'bargain' with low cost borrowing. As a seller or buyer or both this may very well be the time to enter or re-enter the property ladder.
Furthermore, the property market in London is unlikely to be impacted due to demand outstripping supply. The fall in the pound is also likely to attract more foreign investors looking for long term investment in property.
Those who supported our departure from Europe played down the impact of Brexit and in my view misled voters on the recessionary consequences which are inevitable when as is the case the Country is currently operating in a state of uncertainty.
David Pett Solicitor
The views expressed herein are the personal views of the writer.
Our phone lines are open Monday to Friday 9am-5pm. Please note our phone lines will
however be closed for lunch between the hours of 1pm and 2pm.
*MJP Conveyancing LTD is authorised and regulated
by the Solicitors Regulation Authority – SRA No. 590889 http://www.sra.org.uk/solicitors/handbook/code/content.page.


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Andre Amos is making strides in tech.
The founder of NuWorld International has recently added an office in the Greenspoint area to join his established offices in Puerto Rico, Atlanta, Chicago and Belize. The $32 million initiative, called the NuWorld Epicenter boasts 120,000 square feet of technology and business space intended to spur international collisions between entrepreneurs, engineers and idea generators. The lab, known as "Innovation Depot" are home to 3D printers, stem cell research, robotics and the development of cryptocurrency.
What is Amos' major vision? Restoring the narrative for the Greenspoint area by attracting business, creating more opportunities and spearheading entrepreneurship. "Establishing the premier business hub will undoubtedly inspire other businesses to seek the budding opportunity for technology in this area," he says.
A gala style ceremony has been announced for the official launch of Innovation Depot and its digital currency, NuBucks, is set to take place on October 1st.
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Grade inflation is making students lazy
College students study a lot less now than in the 1960s, yet they get better grades.
For students, these trends must seem like marvelous developments. But they raise questions about both declining rigor and potential grade inflation in higher education.
In a forthcoming study in the journal Economic Inquiry, economist Philip Babcock finds the trends linked. As Babcock related in an e-mail, when the instructor "chooses to grade more strictly, students put in a lot more effort." And when the professor gives easy A's, students expend less effort.
The finding relates to an earlier study, cited in a previous post here, showing that professors who get high ratings from their students tend to teach those students less. (The minimal effort required in those classes apparently fuels the professor's popularity.)
Babcock, an economist at the University of California, Santa Barbara, reviewed two sets of research literature that document crisscrossing trends.
On the one hand, average grades have been rising across all categories of post-secondary institutions. Take Harvard: The share of students receiving A's there rose from less than one-third in 1985 to about half in 2001.
Would that those students were getting smarter.
But college students are, in fact, getting lazier. "Aggregate time spent studying by full-time college students declined from about 24 hours per week in 1961 to about 14 hours per week in 2004," Babcock writes, citing his own research.
The economist set out to determine whether the trends are linked: Do students study less because they expect higher grades?
Babcock reviewed course evaluations at University of California, San Diego. In those evaluations, taken in mid-course, students described what grade they expected to get. They also told how much time they spent on homework.
Babcock's findings are laid out in a series of charts that make me squint. In essence, Babcock proved his hypothesis.
Students reported studying half as much for a class in which they expected an A than for a course in which they expected a C.
In other words, students are studying less because their professors are grading easier.
Even, perhaps, at Harvard.
Please follow College Inc. all day, every day at washingtonpost.com/college-inc.
And for all our college news, campus reports and admissions advice, please see our new Higher Education page at washingtonpost.com/higher-ed. Bookmark it!
Daniel de Vise
July 22, 2010; 11:52 AM ET
Categories: Pedagogy , Research , Students | Tags: Economic Inquiry study, Philip Babcock, grade inflation, grade inflation and college study time, grade inflation and lazy students, grade inflation study
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Students use word of mouth and online professor ratings systems to figure out which courses are graded easier or which professors' style matches what the student does well in and signs up for those (papers vs. projects vs. exams). Then you've got required classes where the student may not have much of a choice in professor or is fundamentally difficult (ask anyone at any school who took Organic Chemistry for their major) and students realize they have to study more in order to get an A, B or whatever the highest they think they can achieve.
Sure, some of it is grade inflation. Some schools or departments within schools are known by students to give out lots of high grades for average effort -students (and their parents) are consumers paying for a good degree. But it could partially be students selecting courses based on how well they think that they can do with average or lower effort (or balancing an easy A with a hard required class). If I have to take Organic Chemistry this semester darn right I'm also going to take a comparatively easy creative writing or other gen. ed. requirement so I can get good grades without going bonkers in the library. That's the attitude I've seen and can't blame fellow students for trying to maximize their overall performance.
Posted by: amk19 | July 22, 2010 1:45 PM | Report abuse
Is it not possible that students are responding to less rigorous instruction and lower expectations rather than becoming more lazy?
Posted by: mder2 | July 23, 2010 6:57 AM | Report abuse
Grade inflation is worst at the colleges and universities often ranked "the best". Let's just call it what it is: elite self-perpetuation.
Posted by: AnonymousBE1 | July 23, 2010 7:40 AM | Report abuse
Here's the incentive structure at my mediocre state university: in order to get tenure, only publication matters. Teaching quality is measured only by student evaluations, and high quality doesn't help with tenure at all; there would only be a problem if a person had a lot of negative evaluations, though even that could be off-set by high research productivity. In my field, it's very difficult to get published. Most professors here are undemanding in their classes. So when I try to set high standards for my students and give them the grades I really think they deserve, they're outraged. They write scathing evaluations. I have lines of students outside my door, coming in to whine, cry, negotiate, or threaten me. It takes huge amounts of time and energy. It also takes tons of time to provide feedback on difficult assignments, especially since class sizes have increased steadily. All of that is time I should be spending on my research, or I won't get tenure and I'll probably have to leave the profession. So, what's a rational person supposed to do?
Posted by: crazycatlady | July 23, 2010 8:26 AM | Report abuse
Princeton is the only university -- and one of the best on the planet -- to openly embrace and engage in an formalized, instituted policy of grade deflation -- much to the angst of its students and recent alumni. For the record, the only other university to engage Princeton for preliminary investigation into formulating and implementing a similar grade deflation policy is Stanford.
Posted by: dcrolg | July 23, 2010 8:50 AM | Report abuse
The problem of grade inflation is simple. I observe it at my local state university where the entire student body (it seems) is on the dean's list. Higher Ed is a business--more students--more business for the school and community (restaurants, shops, bookstore, etc.).State appropriations depend on class size--hence more students equals more money. Professors play the game because to do otherwise results in unemployment. It's time the public woke up to the charade that passes for "higher education".
Posted by: crewsin | July 23, 2010 9:23 AM | Report abuse
I'm a professor at a major university, and have taught at other big schools, as well as having been a student at a top 5 private school. There are all kinds of incentives in place that lead to professors giving higher grades and students to work less hard.
First, my evaluations as an instructor are based on student evaluations. A colleague of mine once ran a regression that determined that the #1 factor impacting how a professor does in student evaluations, is the grade the student expects to get in the class. While student evaluations don't count much towards tenure & promotion, they do count towards faculty awards, and if you have good evaluations, you don't have to deal with student complaints, or with administrators checking up on you. When you start giving grades lower than your colleagues, you raise a lot of eyebrows.
Second, departments like to give higher grades because it keeps enrollment up. Students are much less likely to enroll in a class where there is the expectation of low grades. Schools also publish grades by instructor, so there is very good information for students regarding the teachers that give the highest grades.
Third, there is little incentive at an R1 school to do anything but the minimum in your teaching, other than "because you like working with students", because tenure and promotion are based 95% on publication, and 5% on teaching.
Finally, students complain about the amount of work I give. I give about 1 / 4 - 1/ 2 of what I got when I was in school. They complain, they give bad evaluations based on the unreasonable amount of work for this particular class, etc. While its possible to work students really hard and gain respect for this from the students, the reality is that only 10 - 20% of students in a particular class are really there to learn. Most are there to pass the class and move on. Students also take more classes than they did when I was a student. It is not uncommon to see a student with 18 - 20 credit hours; when I was in school you could have no more than 15 without special permission, and 12 was considered a "full load".
Anyhow, these are some of the incentives and pressures that lead to this situation. There are several ways to stop this: 1) insulate professors from student complaints. Base faculty evaluations based on in-class observation & student work (or standardized test performance, which opens up another can of worms.) 2) have department & school-wide grade distribution goals / requirements (such as existed at my undergrad institution).
Posted by: danmatisoff | July 23, 2010 9:49 AM | Report abuse
I think the expectation is students pay so much for the privilege to get a credential they think entitlement exists in which the social exchange is money given for credential earned. For this money, a good grade is the expectation and studying is a distraction from partying and hanging out with friends, playing sports, or just doing community service. Since this shows it is the professors setting the expectation, just indicate everyone is graded easy so why disappoint the professor? He says it takes little to satisfy so just study a little and he's happy to reciprocate with a good grade. That's life, the challenge of meeting grade expectations.
Posted by: DESIGN-2-REPLACE | July 23, 2010 10:06 AM | Report abuse
I think one of the big reasons student are complaining so much about doing their work is becasue of the atmosphere in the k-12 schools. Over the last 10-15 years suddenlty giving a student a bad grade "will hurt their self esteme" or he has a hard home life so we will grade hinm easier, etc. Students are failing at all time lows, yet test scotres across the country are dropping like stones. 30 years ago it would have been out of the question for someone to graduate high school and not be able to point oi=ut their state on a map of the use. Last time the numbers came out (2007) it was at 22%, with 37% not being able to poin to New York (if they didn't live there).
Posted by: schnauzer2 | July 23, 2010 10:31 AM | Report abuse
I did a teaching internship for an undergraduate course at a university a few years ago while I was on exchange. At the time I was a student at a European university, and accustomed to the 10-point grading system there. In that system, none of my professors ever gave me a 10, usually citing the reason "Nobody is perfect."
Part of my internship involved grading student papers, which then had to be approved by an established faculty member. On several occasions, I was instructed that the grades I gave were too low. The students also made this known to me in their evaluations (though most of them considered the grading "tough," and nobody said anything scathing).
I found that when I returned to my university in Europe, all of my marks for courses in the US were marked down, which is a policy for compensating for inflated grades. I personally noted that I had to put in a lot less effort for an "A" in the US than I usually did for an 8 at my regular institution. Most of my colleagues who went on exchanges came back with similar stories.
It seems to me that students at US universities are accustomed to higher grades, and also find it completely normal to argue their way into a higher mark. I don't know if students are lazier in the US, but this does not mean they are any stupider. Certainly at the graduate level, the standards were quite high, but the undergraduate students seemed more concerned with trucking through their degrees.
From what I saw in the undergraduate courses, students were impeccable at completing the intermediary assignments and struggled more with big papers and essays. The idea seemed that establishing a baseline of good to very good performance in the more mundane tasks generates benefit of doubt when instructors grade heavier assignments.
Personally, I have always preferred weightier assignments myself, as they give the opportunity to demonstrate depth of knowledge and the ability to manipulate, link, and explore topics addressed in the course. Although this results in more hours of work, far fewer assignments are produced.
As for which system is better, I can't say. It would be interesting to compare cognitive tests of students at different institutions today to those of students in the past, or students in other countries. Couple that with a number for hours-of-studying and grade results, we might begin to approach an answer.
Posted by: avanommen | July 23, 2010 11:15 AM | Report abuse
College is not real life and does not prepare a person for the real hard lessons of life that can only be learned through experience. The emphasis on elegant expensive education is ridiculous. Almost everything I've learned of value in the real world was not covered in college courses. Obviously, I don't value college education at today's prices; I value military service, paid and upaid work experience (even if it's a summer job or internship), and volunteer work....these are where the valuable lessons are learned. Success in life depends on many factors (but college education or pedigree is not the end all).
Posted by: br30 | July 23, 2010 2:28 PM | Report abuse
The economics are all in favor of grade inflation. College is hugely expensive, and costs rise faster than income or overall inflation. Nothing short of a national overhaul of education financing will end the trend. If Mom and Dad are going to mortgage their retirement and I am going to mortgage my future just to pay tuition, then the school had darn well better give me a diploma and a transcript I can parley into a decent job. Otherwise no sane person would enroll.
Posted by: taxguru | July 23, 2010 2:31 PM | Report abuse
Recent grads have a hard enough time finding work in this economy without being slandered in the Post! just kidding... sort of.
Posted by: Kuklie07 | July 23, 2010 2:49 PM | Report abuse
Another issue is the number of extra-curricular activities that students participate in - and students expect/demand that time for these activities are available to them. So studying for a class has to compete with intramural sports, volunteering at a local foodshelf, choir, dance, resident-hall meetings, pre-med club, applying for internships, etc in addition to any work.
Posted by: grzz_76 | July 23, 2010 7:20 PM | Report abuse
When you consider all the pressures on colleges and professors for grade inflation, such as those mentioned in the comments above, it is amazing that the colleges and professors do as well as they do. For the professors it is a lot of extra time, effort, and conflict to be a tough grader. Another factor is that society has a lot of reward systems that are based or influenced by GPA. One university law school even retroactively created grade inflation because the consequences of tough grading proved to be unjustly harmful to its graduates. (http://chronicle.com/article/A-California-Law-School-Wil/64949/) Job interviews can be won or lost by GPAs, that puts a lot of pressure on grades.
Bernard Schuster
Posted by: arrive2dotnet | July 26, 2010 2:50 AM | Report abuse
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Phoenix's 10 most memorable TV news anchors
We often see them every night. We trust them. In some cases, we grow up with them. Being a news anchor is a job that requires a certain set of skills combined with a whole other set of talents: Can you report the news? Can you deliver it with sincerity and authority? And can you do all that and look good at the same time?
Here are some people who mastered those skill sets quite well, thank you. This totally subjective list contains 10 of the most memorable anchors in Phoenix TV history. The criteria: They were on air from the '70s onward, and they had to sit in the anchor chair (no weather or sports personalities, unless they made the move to anchor).
After you check out these anchors who made an impact, vote for your favorite current TV news anchor in our poll at the bottom of the story.
Here they are, in descending order:
Cameron Harper
Channel 3: 1986-1995
There seemed to be two trains of thought about Cameron Harper, Channel 3's main man for a nine-year stretch. One camp looked at his solid news credentials and his sharp interviewing skills; he was able to badly fluster then-Governor Evan Mecham in a 1987 interview that would have gone viral, had such a concept existed then. Eventually, he wound up collecting 12 Emmys for a sterling career in broadcast journalism. Then there was the other group, those who enjoyed listening to him to talk (he was dubbed "velvet-voiced" by one Phoenix publication) and sighing about his prematurely silver mane of hair: "Why did he dye his gorgeous gray hair that dumb blond color?" a Phoenix Gazette TV critic thoughtfully wondered in 1995. Still, don't hate him because he's beautiful. The guy is genuinely talented.
Ray Thompson
Channel 12: 1960-1977; Channel 3: 1977-1982
The first news director for Channel 12 (back in the days when it was KTAR-TV), Thompson is an unquestioned pioneer in the Phoenix TV industry. In the '70s and '80s, he was a comfortable elder statesman of local TV. If he lacked the crusty edge of Bill Close, he instead offered a kinder, gentler presence. With a crisp, military-style mustache and a pleasant demeanor (he could have been a kindly family physician), Thompson, who died in 2012, set a high standard for Arizona broadcasters. For that, we always will owe him a debt of gratitude.
Jineane Ford
Channel 3: 1986-1989; Channel 12: 1991-2006
Ford could have been a punch line. She is blonde, gorgeous and a former beauty queen; in fact, she was the first Arizonan to hold the Miss USA title. But she is also intelligent and a hard worker, and when she decided to focus on TV news, she proved to be a natural. She was a constantly engaging presence, and not afraid to show her emotions. When she first saw images of the 9/11 attacks, she exclaimed, "Oh, dear Lord!" on camera. Would Close have approved? Probably not, but it also illustrated how Ford accurately captured the emotions of viewers.
Mark Curtis
Channel 12: 1980-1987; 1995 to present
Some people have a trademark. Close had his bola ties. For Curtis, it's an ever-present mustache. And just how famous is the Curtis 'stache? So much so that Stephen Colbert called it out during an episode of "The Colbert Report," humorously talking about its, um, sensual qualities. Still, don't think that Curtis is a lightweight Ron Burgundy type. Initially a sportscaster, Curtis moved to the anchor desk during his second run at Channel 12, and has proved to be a solid, stabilizing presence, always pairing well with different partners (a task not as easy as it looks). In 2014, he was inducted into the Silver Circle Society for his 25-plus years of strong work in the world of TV news. Well-deserved.
Patti Kirkpatrick
Channel 12: 1985-1991; Channel 3: 1991 to 2013
As an anchor, Kirkpatrick went through a lot. Perhaps most mortifying: She was one of the "chicks at 6," along with Heidi Foglesong at Channel 3 in the early '90s, when the two served as co-anchors. Later, she flew solo, anchoring the station's two-hour 4:30 p.m. newscast with poise and uncommon good sense. Kirkpatrick worked at Channel 12 for six years before moving over to Channel 3, where she became one of the station's flagship performers. Her exit from the station was shrouded in mystery; the station initially said she was on an "extended leave" until it became obvious she wasn't returning. Sadly, she deserved better.
Heidi Foglesong
Channel 3: 1984-1993
Some anchors have runs that just go on and on. Not so with Foglesong, who stepped away from the news desk in 1993 at her own accord. Her decision to leave was front-page news: She was only 32 and at the top of her game. She helped lead Channel 3 from last place to first at the time of her departure. She was named the Valley's most trusted anchor in a 1990 Phoenix Gazette poll, even beating out (gasp!) Kent Dana. In 1993, however, she decided she wanted to focus on her family. A year later, she reflected on her decision: "I wonder how did I ever stay up until 10 p.m. and look perky?" That humor is another Foglesong trademark. She's funny, whip-smart and bilingual to boot. You know when you see an actor and think, "Man, they'd be fun to grab a drink with?" That's what Foglesong is like. It's a shame viewers didn't get to see more of her, but props for putting herself first.
Mary Jo West
Channel 10: 1976-1982; Channel 3: 1983-1986
In 1976, Barbara Walters became the first female anchor of a national evening news program, teaming with Harry Reasoner. Quite famously, Reasoner was not thrilled with the woman who shared the desk. Phoenix had its own version of the scenario. Mary Jo West became the first female TV anchor in Arizona. She was partnered with Close, who wasn't pleased with the idea ("I didn't want her on the set," he recalled years later). But West persevered, becoming the kind of media celebrity you don't see much anymore in the local-TV world. The end of her marriage was reported in the press. When she played Maria in a Phoenix Theatre production of "The Sound of Music," she broke box office records. And when she privately joked that she wanted to make $1 more a year than Linda Alvarez, that wound up in the papers, too. Still, beneath all the hoopla, she was a solid newswoman who was able to captivate the public.
Linda Alvarez
Channel 12: 1977-1985
Channel 12 anchor Vanessa Ruiz created a stir on social media a couple of years ago for saying words such as "Mesa" and "Casa Grande" the way a native Spanish speaker would pronounce them. But Linda Alvarez, who filled the anchor chair at Channel 12 (coincidence?) in the '70s and '80s, received similar criticism during her run. Granted, she didn't take it as far as Ruiz (Alvarez said "Mesa" like an Arizonan, even though she's from Los Angeles). But that quality, combined with good sense and a classy presentation, endeared her to a generation of TV viewers. And, in her own quietly determined way, she became a role model for many minority viewers unused to seeing someone who looked liked them presenting the news.
Bill Close
Channel 10: 1964-1993
Here's one way to contrast Dana and Close. If you ran into Dana in person, you'd probably have the urge to run up, give him a hug and engage in small talk. Close? The man did not seem made for hugs or chatter. But what he offered was a crusty, no-nonsense way of delivering the news in an authoritarian style. Think of it this way: If Close reported it, you knew it had to be true. That quality led to an infamous 1982 incident. During a live broadcast, an armed man, Joseph Billie Gwin, burst into the station and took a cameraman hostage. He then demanded to read a statement. Close calmed him down and read the incoherent statement himself. Somehow, Close simultaneously reassured viewers at home and the gunman that everything would be OK. Unflappable and cool — he even gets hold of the man's gun — Close handled the frightening incident with compassion and a surprising mastery: Was he trained in crisis intervention? He died at age 91 in 2013.
Kent Dana
Channel 10: 1971-1979; Channel 12: 1979-2004; Channel 5: 2005-2009
When you think of the qualities that you want in a good newscaster, Dana pretty much exemplifies them all. He's intelligent, yet relatable. He's connected to the community; after all, he's an Arizona native whose father, Joe Dana, was a Phoenix media personality from the '30s to the '50s (KPNX anchor Joe Dana, Kent's son, shares the name). Most importantly, Dana has the kind of warm personality that makes viewers feel like he is a friend, even if they've never met him face to face. Who else would make a tradition out of wearing a red plaid Sears sports coat every Christmas? Kent Dana, that's who. That kind of charm is surely missed on the airwaves.
There are many talented people that narrowly missed making the cut. Runners-up include: Lin Sue Cooney, Tram Mai, Sean McLaughlin, Phil Allen, Tara Hitchcock, Deborah Pyburn, Linda Williams, Ken Coy, John Hook, Catherine Anaya and Troy Hayden.
Reach the reporter at email@example.com or 602-444-8849. Twitter.com/randy_cordova.
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text: As we end the year 2019 let us not forget the brutality that occurred a century ago to our ancestors in the summer of 1919. Today, I go back in history to read an article written earlier this year by Jessie J. Holland about that savage summer when black Americans woke to the brutality of white mob violence and began to fight back. When black Americans said "never again" long before the Jewish Nation made the same plea after World War 2. Yes, we our black communities are due reparations Red Summer only intensify that goal of payment. So please talk to your children about Red Summer and never let these atrocities be forgotten. They will most likely never be included in any history book they read in school. It is up to us to ensure that our history isn't whitewashed. You can assured that this blog and my reading project The Blackman Read Aloud Hour will never allow that to occur.


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Holiday Fashions from Coldwater Creek
With the holidays coming quickly, we are excited to share some of our finds during a recent store tour of Coldwater Creek. With a focus on contemporary fashions, I loved checking out the holiday looks with an ode to vibrant colors and shiny jewels. While at the store, I loved ...read more


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Ryan Avent:: Labour markets: On "bullshit jobs": Noted for August 22, 2013
Ryan Avent: Labour markets: On "bullshit jobs":
Productive jobs have, just as predicted, been largely automated away…. But rather than allowing a massive reduction of working hours…. we have seen the ballooning not even so much of the "service" sector as of the administrative sector…. Why in the world would firms spend extraordinary amounts of money employing people to do worthless tasks (especially when they've shown themselves to be exceedingly good at not employing people to do worthless tasks)? Says Mr Graeber: "The ruling class has figured out that a happy and productive population with free time on their hands is a mortal danger…."
I am immediately bursting with questions. Such as, should we conclude that protesters… are in fact too happy? How does the ruling class co-ordinate all this hiring, and if much of the economy's employment is useless in the first place why not just keep them on during recessions?
But there is… an important point…. The industrial jobs that have been automated away were incredibly tedious and unpleasant… assembly line processes contributed to rising worker wages in part because of increased productivity… but also because employers were tired of training workers only to lose them once they realised they'd be affixing Tab A to Frame B, repeatedly, all day long. Employers had to retain such workers--had to pay them a wage sufficient to keep them on the job despite its dreadful tedium--because the machines of the era lacked the manual dexterity to complete the required tasks, and so a line of human machines was the only way to make the highly productive assembly-line system work…. As technology has improved, it has become ever easier to dispense with human labour in mechanical processes. There are still jobs where a very high level of physical dexterity and task flexibility is needed--in construction, for example, or janitorial work--and people continue to do those jobs. But it is not surprising that employment growth has shifted elsewhere. And administrative jobs are the modern equivalent of the industrial line worker.
Over the past century the world economy has grown increasingly complex…. This complexity is what makes us rich. But it is an enormous pain to manage…. And so you end up with the clerical equivalent of repeatedly affixing Tab A to Frame B: shuffling papers, management of the minutiae of supply chains, and so on. Disaggregation may make it look meaningless…. But the idea is the same. One question is why today's workers aren't rewarded with high wages for their suffering. And one possible answer is that, well, they are. Real wages for today's clerical workers are far higher than they were for manufacturing workers a century ago, and the work, for all its tedium, probably isn't nearly as unpleasant….
Technology continues to improve, however…. Jobs from truck driver to legal aid to medical diagnostician to customer service technician will soon be threatened by machines… most office jobs will eventually go the way of the dodo…. The issue is not that jobs used to have meaning and now they don't; most jobs in most periods have undoubtedly been staffed by people who would prefer to be doing something else. The issue is that too little of the recent gains from technological advance and economic growth have gone toward giving people the time and resources to enjoy their lives…. We can't be certain that the robots are coming for all our jobs. Disemployment in administrative jobs could create new, and perhaps highly remunerative, work in sectors or occupations we can't yet anticipate…. Yet there is a decent chance that "bullshit" administrative jobs are merely a halfway house between "bullshit" industrial jobs and no jobs at all. Not because of the conniving of rich interests, but because machines inevitably outmatch humans at handling bullshit without complaining.


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The band is on tour with Darwin Deez right now.
Friends, from Brooklyn have a new 7 inch, Friend Crush. You can hear it above and buy it HERE. The CD doesn't come out until March 21. This is a really new band, formed in September 2010. They played their first show less than a week after forming. That is MY kind of band. I hate people who practice for a year before playing. Man, if you need that much practice go sell shoes or something.
The band is on tour with Darwin Deez right now.
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Constantly Consuming Culture--The Waterfront show crowdfunding effort now live. Shows in Miami and Chicago. Help us out. You can own the painting above.
October 2019


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How to play piano chords!
Have you always wanted to learn how to play piano but felt that it would be too complicated? Have no fear, even classical musicians had to start somewhere. You can learn how to play piano chords!
120 Piano Chords has all the basic chords to play beginner piano music, as well as more advanced piano chord charts! Whether you want to learn classical piano, blues piano or synthesizers, 120 Piano Chords is a good start! You will learn about music notes and sheet music, piano chord charts and piano fingering, as well as how to create your own chord charts to accompany your favorite songs.
Our easy-to-use interface with retina support allows you to adjust the volume, choose the right-hand chords or left-hand chords. Select the chords you want to try and you can see them as piano music notes, as keyboard chords and as photos showing you the finger positions on a piano keyboard. You can play your selected chords with an acoustic piano sound, create piano chord charts for your own pieces and Drag&Drop them into your documents. Or save those chord charts in the app as Favorites, add as many sequences as you want or delete them as needed. Transpose those keyboard chords up or down to suit your singing range! Change the order of the chords in your chord chart any way you want!
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Hello and welcome to 120 Piano Chords!
This app will help you figure out the right chords for your piano pieces, show you how to find them on a piano keyboard, and will help you create your own chord sequences.
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Now, let's select a chord, they key and the type of chord. You will see the pictures of what this chord looks like on music sheets, on piano keyboard, and you will also see where your fingers need to go to make this chord. Now, let's play it1
If you want to save this chord in a document, Drag & Drop it into any editing program.
You can also create chord sequences. Select a chord, then click on the plus sign. Add your next chord. Click the plus sign again. Keep going until you have your desired sequence. You can change the order of the chords, or transpose the chords to suit your singing range. Now, if you want to save this sequence, click Favorites, Save, type in a name for your sequence, done! That's it! Have fun with 120 Piano Chords!
Download as PDF file.


text: Experience Design Getting Twinings' ecommerce store Christmas ready Sarah Holcombe Experience Design 12 Dec 20166 min read Share The festive period is a busy time for any ecommerce retailer, and there's plenty of preparation that needs to go into creating a truly festive yet functional experience for customers. We've been working closely with the UK's number one premium tea brand once again this year to 'add a #LittleSparkle with Twinings this Christmas'. When we received our brief for the ecommerce site, we knew that for the holiday period we needed to create an intuitive and engaging method of helping customers find the perfect gift for their loved ones, in a format that could be reused each year by the client to create a special, festive experience. Adding sparkle to the store We designed and developed a flexible and reusable structure for across the festive period that could be used on the ecommerce store across other key occasions such as Black Friday to keep the brand look and feel strong across the year, and to maximise our client's time and budget. This means that each Christmas, the design can be easily refreshed by the Twinings team whilst keeping a consistent look with the online and offline print visuals, including the brand's Christmas newsletters. Now, everything is consistently infused with an abundance of glitter and gold, festive flourishes, script fonts, and rich, bold colours to add texture and bring the brand's products to life. Keeping it social We think it's fair to say that the Twinings brand is really visually appealing, and they have some great imagery of their incredible range of products and beyond. For this reason, we've added their Instagram feed onto the homepage of the store to enable customers to examine a showcase of new images, stock, and events that the brand is featuring. Festive functionality The ecommerce store uses various features to make the customer experience extra special, and to help make the Twinings team's lives easier. The first element is a promotions section, with space for a feature image and sparkle options depending on the campaign. The Twinings team can then choose the image for the promotion, overlaying it with different elements that suit the occasion. Within the Kentico CMS, Twinings can use customisable components on every page for a huge amount of flexibility. These image templates mean that the team has complete freedom to promote special offers, recipes, articles, features, and products for the specific time of year, whilst maintaining a strong and considered visual hierarchy. Understanding the customer We know the key to Twinings' ecommerce success at Christmas is all about understanding how the customer feels about the experience of buying from the site. We know the key to Twinings' ecommerce success at Christmas is all about understanding how the customer feels about the experience of buying from the site. Our UX team carried out some research on Twinings' previous Christmas campaign to learn more about how users engaged with the site last year, and we made appropriate changes to make the customer experience even better. Our research revealed that many customers were clear about what they wanted to buy from the ecommerce store, so we offered a clear route to the product categories, featured on both the homepage and clearly in the meganav for the Christmas shop. When moving throughout the product pages, you'll also notice a section for recommendations, both from customers and Twinings, to facilitate a sense of social selling and showing customers products they may not have known about. Never miss out We know there're nothing worse than finding the perfect gift for a loved one, then discovering it's out of stock. That's why we've added the ability for customers to enter their emails in order to receive a notification when a product comes back in stock. That way, there's no way of missing out on tea goodness! Personalised gifts Twinings offers its iconic tea caddies with personalisation options for the perfect Christmas gift. We've made on-page personalisation messages for products more visible so that users can easily input their message on a gift for their loved ones. Overall result When landing on the site, the customer's journey into Christmas begins thanks to the festive makeover. The site is strewn with sparkle and glamour that instantly lets you know any gift you buy will be special. With responsive design, we can ensure that a sense of festive warmth and sparkle comes through regardless of when, where, and how Twinings customers choose to shop.


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5 Year-End Retirement Planning Tips
The end of the year has a variety of retirement planning deadlines you need to meet in order to qualify for tax deductions and credits. Retirees also need to take action by specific dates to avoid retirement account penalties. Here are some of the retirement planning moves you need to make before next year:
Make last-minute 401(k) contributions. All 401(k) contributions are typically due by the end of the calendar year. Employees can contribute up to $18,000 to a 401(k) account in 2015. Workers age 50 and older can make catch-up contributions worth an additional $6,000, or a total of $24,000 in 2015, which are also due by Dec. 31. An investor over age 50 who is in the 25 percent tax bracket and maxes out his traditional 401(k) will save $6,000 on his federal income tax bill. But even a smaller contribution of $5,000 would save him $1,250 in taxes. At a minimum, double check that you have saved enough to get any employer match offered by your company.
Take required minimum distributions. Retirees born before July 1, 1945, are required to take distributions from their individual retirement accounts and 401(k) plans by Dec. 31, 2015. The distribution amount is calculated by dividing the account balance by an IRS estimate of your life expectancy, and sometimes a spouse's age is also taken into account. The penalty for missing a required distribution is a stiff 50 percent of the amount that should have been withdrawn. However, if you turned 70 1/2 in 2015, which is those born after June 30, 1944, and before July 1, 1945, there is a special rule that allows you to delay your first required distribution until April 1, 2016. But the second (and all subsequent) distributions will be due by Dec. 31 of the same year. Retirees who delay their first required minimum distribution will need to take two distributions in the same year. "Taking a double distribution in 2016 could cause you to pay more for taxes and may even push you into a higher tax bracket," says Helga Cuthbert, a certified financial planner for Cuthbert Financial Guidance in Decatur, Georgia. "You're usually better off taking it the year you turn 70 1/2."
Extra time for IRA contributions. You have until April 15, 2016, to contribute up to $5,500 to an IRA that can be applied to tax year 2015. Workers age 50 and older are eligible to contribute an additional $1,000, for a total contribution of $6,500 in 2015. As you are working on your 2015 taxes, you can plug an IRA contribution into your tax planning software and watch how it decreases the income tax you owe. "When you are doing your taxes, if you have some tax liability, you can pay it to the government now or maybe put some money away for retirement and pay the tax on it at a later time," says Francine Duke, a certified financial planner for Aqua Financial Planning in Chicago. "You can reduce the amount you owe and help increase your retirement savings by putting some money in an IRA." The same April 15 deadline applies to Roth IRA and myRA contributions for 2015.
Claim the saver's credit. If your adjusted gross is below $30,500 for individuals, $45,750 for heads of household and $61,000 for couples in 2015 and you contribute to a 401(k) or IRA, you may be able to qualify for the saver's credit. This valuable tax credit is worth between 10 and 50 percent of the amount you contribute to a retirement account, up to $2,000 for individuals and $4,000 for couples. "If you contribute to a traditional IRA, you get the deduction, and then lower and middle income people get a saver's credit on top of that," Duke says.
Get ready for 2016. 401(k) and IRA contribution limits will remain the same in 2016. But if you weren't able to max out these accounts in 2015, consider setting your contribution amount a little higher next year. If you get a raise, bonus or tax refund, redirecting part of it to a retirement account will set you up for a lower tax bill in 2016. "If you get a year-end bonus, look into making a one-time contribution to your 401(k) or 403(b)," says Robert Reed, a certified financial planner for Partnership Financial in Columbus, Ohio. "If you are not maxing it out already, that will make a huge difference."
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This past weekend, the last of January, Ann and I decided to see if we could add a few more to our 2016 list. We did, and ended up with 98 for the month. Not bad, but heck, that's better than last January when we only had about 75. So we're happy with the start. Oh, I know what some of you are thinking. If we lived in east or south Texas we probably would have about 150 already. But it is what it is. We love being where we are. We love the challenge of actually having to go out and hunt for the birds.
So back to the details. We started out at Spring Creek Park. We had been told of a location where a Great Horned Owl was nesting. We had no trouble finding it,but it was located about seventy-five yards back in the trees. I lugged my camera and tripod back in to find a line of sight where I had a somewhat un-obstructed view. Not easy to do. I wanted to be able to train my long lens on the nest. Here is the result, from about 50 yards.
I will continue to monitor the nest to see some young ones come along soon. The adults incubate the eggs for 30-45 days. Then they will feed them for another month or so. I also want to scout the area for another view, perhaps more free of tree branches, but still far enough away so as not to disturb the owl.
After photographing the owl for about fifteen minutes, I stole away quietly. We then head for another area near the water where we had seen a bit of activity the past several days. There in the early morning light we saw this happy Carolina Wren.
Nearby, several Cedar Waxwings flew into a tree. One of them obliged me by flying down to perch near the water for a few minutes…….
as did this Northern Mockingbird.
After the tree was free of the waxwings, this little Eastern Phoebe decided to stop by.
After spending about two hours there, we decided we had time to drive to the north portion of San Angelo State Park. It had been several weeks since we had visited that area. We had the place to ourselves. That part of the park isn't visited as much since it was much farther away. We spent a couple of hours there, too. We love to get off the beaten paths and drive through the boonies. We spotted this Ladder-backed Woodpecker working hard at something.
Also a Vesper Sparrow…..
…….and a juvenile White-crown Sparrow.
So that's about it for this post. Hope you enjoyed it. I welcome any comments. Also, click on any image to see enlargements.


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We wish you a memorable and spiritual visit!
If you are new to this area or are visiting for the first time, we welcome you and hope you will be blessed by our loving fellowship and feel a part of the family!
About Us
The Assembly of Called-Out Believers is a Messianic havurah (חבורה Hebrew: "fellowship") of Jews, Gentiles and Christians who have been "called-out" of man-made religion and seek to testify to the Truth in Love without adding to or subtracting from the Word of God. We believe there is only one God and have accepted that Yeshua (Jesus) is the promised Anointed One (Messiah) from God our Father. We have come together to worship God as one people, redeemed by his selfless sacrifice, united in His character of love, and desiring to follow His Torah instruction and example of Love in every facet of our lives!
WE ARE a "set-apart" organic movement of the Ruach Hakodesh, as Truth-seekers being lead by the Spirit of Truth.
WE ARE NOT a part of organized religion or a part of the false religious systems that teach false doctrines.
We welcome anyone that wants to learn more about the Hebrew Roots of their faith to join us. Come discover your Divine identity, purpose and destiny in a loving fellowship where Torah truth is taught upon a foundation of love and unity!
Our Name
Click here to read about the deep scriptural significance of our name.
Our Shabbat Fellowship is held at the Pioneer Middle School Common Area located at 1620 Russel St., Wenatchee, WA. Click here for a map and directions!
Service Times
Our service starts at 10am and goes to 12:30pm at which time we invite all to get to know one another better over lunch.
In the afternoon at 1:30pm we have a 1 hour class teaching how to interpret prophecy with a Hebraic mindset.
At 2:30 we have a class exploring the lesser known books of the Dead Sea scrolls. Come join us for one or all of our free classes!
What to Expect
Our style of worship and study is an organic mixture of family closeness with good teachings and opportunity for interaction and questions. We have no formal dress code but believe we should dress with respect to the Creator of the Universe and we are seeking to draw near to him and glorify Him in all that we do and say. Our speech and interaction with others is always uplifting and loving. We welcome those with families and children and have a wonderful childrens class available during the main service time available for all ages.
Click here for a more detailed overview of our order of service and what to expect.
What We Believe
Read about our beliefs by clicking here
Get to know our Leaders
Our congregation is lead by our Torah Teacher and Pastor/Rabbi Isaac… Learn more here about staff here.


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A festive family dinner party degenerates into a darkly comic orgy of shock revelations and angry confrontations in the latest play by prize-winning young British dramatist Sam Holcroft (Cockroach), the final new work to premiere at the National Theatre under outgoing artistic director Nicholas Hytner. The well-worn format of Rules for Living taps into a rich dramatic tradition, from Edward Albee to Neil Simon, from Abigail's Party to Festen. Holcroft and director Marianne Elliot, lauded on both sides of the Atlantic for War Horse and The Curious Incident of the Dog in the Night-Time, attempt to give these familiar ingredients a contemporary psychological spin. But their collaboration still feels creaky and dated, a broad farce that works a little too hard for its sitcom-level laughs and clownish slapstick gags.
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The traverse-style stage is furnished as an upscale family dining room somewhere in Middle England. Designer Chloe Lamford's set is outwardly naturalistic but with stylized floor and wall markings adding a knowing artificiality, making it part game show studio, part basketball court. The matriarch of the house, Edith (Deborah Findlay), is a fastidious control freak who appears to be channeling Margaret Thatcher by way of Maggie Smith as she prepares to host a fraught Christmas lunch.
Edith's two grown-up sons are Matthew (Miles Jupp), a successful lawyer who once nurtured acting ambitions, and his older brother Adam (Stephen Mangan), a former cricket star who abandoned sporting glory to pursue his own lackluster legal career. Matthew is with his gratingly effusive actress girlfriend Carrie (Maggie Service), Adam with his wife Sheena (Claudie Blakley) and troubled teenage daughter Emma (Daisy Waterstone). As they anxiously await the arrival of their sick father Francis (John Rogan) from hospital, the brothers and their partners bicker, banter, flirt and hint at dark secrets.
Read more 'Trainspotting': London Theater Review
The tone is light and comic, but Holcroft is keen to suggest hidden horrors below the polished surface. Her key dramatic device is Cognitive Behavioral Therapy, a form of psychotherapy grounded in patients identifying their self-destructive habits and finding practical ways to break them. The characters onstage discuss CBT in literal terms, but the theme is also illustrated metaphorically by the card game Bedlam, which randomly assigns different rules to each player that the others have to guess. Hence the illuminated scoreboard above the stage, which gives each character a defining psychological tic: "Adam Must Affect an Accent to Mock," "Sheena Must Drink to Contradict," "Edith Must Clean to Keep Calm," and so on.
As the story progresses, more detail is added to these one-line character sketches. With each fresh twist on the scoreboard, the protagonists adjust their behavior accordingly, slowly ramping up the hysteria levels from broadly naturalistic comedy to anarchic knockabout farce. There is even a real game of Bedlam, which lives up to its name, unraveling into a loud shouting match. The arrival of a wheelchair-bound, barely sentient Francis seems to trigger a volcano of buried tensions as adultery, alcoholism, marital discord and serious Daddy Issues all erupt into the polite dinner party setting.
Read more London Theater's Olivier Awards: James McAvoy, Gillian Anderson Among Nominees
The scoreboard device is a smart Brechtian touch, exposing the schematic underpinning of so much traditional drama by rendering subtext into text. Unfortunately, Holcroft and Elliott do not seem keen to deconstruct formal cliché on more than a cosmetic level. Indeed, it appears they still expect the audience to care about these relentlessly dull and self-absorbed characters, who would not be out of place in some starchy 1950s Terence Rattigan play about emotionally repressed Brits in well-appointed drawing rooms. The notion that so many unresolved family tensions have been lurking in the Freudian basement for decades, only to explode over a single yuletide meal, is also a clunky contrivance too far.
That said, there has historically been a healthy domestic audience for broad farces about the English middle classes, from Brian Rix to Alan Ayckbourn to Mike Leigh. Rules for Living could well appeal to that traditional demographic. The cast all display deft comic timing, especially during the second act, when their verbal volleys become rapid and overlapping. The jokes are hit-and-miss but mostly successful, and the final family showdown a joyously messy spectacle. It just seems a pity that all this talent and energy has been used in service of such dated and inconsequential material.
Venue: National Theatre, London (runs through July 8)
Cast: Claudie Blakley, Deborah Findlay, Miles Jupp, Stephen Mangan, John Rogan, Maggie Service, Daisy Waterstone
Director: Marianne Elliott
Playwright: Sam Holcroft
Set and costume designer: Chloe Lamford
Lighting designer: Neil Austin
Sound designer: Ian Dickinson
Fight director: Kate Waters
Music: Adrian Sutton
Presented by National Theatre
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Costs are as follows for the Australian events (for NZ pricing click HERE)
1 day event clinician (non ANZAED member): $299
1 day event clinician (ANZAED member): $259
1 day event carer (non EDFA member): $175
1 day event carer (EDFA member): $145
1 day event student: $ 100
4 day event clinician (non ANZAED member): $825
4 day event clinician (ANZAED member): $750
Go to the members page at www.edfa.org.au to become a member of Eating Disorders Families Australia
Go to www.anzaed.org.au to become a member of Australian and New Zealand Academy of Eating Disorders
1. Extreme Hardship (100% scholarship)
To qualify for the 'extreme hardship' category the applicant will demonstrate that they are a carer of a person with an eating disorder, are solely reliant on government pension as their primary source of income and without full subsidy, would not be able to attend the seminar. Production of relevant social security identification will be deemed as such demonstration. Successful applicants will receive 100% scholarship. There will be 15 such scholarships available nationally.
2. Cost Beyond Capacity ($75 off current Carer EDFA member price)
To qualify for the 'Cost Beyond Capacity' level, the applicant will demonstrate that they are an EDFA member, a carer of a person with an eating disorder on limited incomes with insufficient discretionary funds to meet the full cost of the seminar ticket. Membership costs $25 and you receive an automatic $30 discount on price. Scholarships, where the requirements are met, will be allocated in the order of the date of application
To attain the scholarship, the applicant will need to contact EDFA via the email@example.com email account and provide telephone contact information.
That email will be forwarded to the TBT-S Committee.
A member of the TBT-S Committee will contact the applicant by phone and interview the applicant.
If the TBT-S committee is satisfied that the applicant meets the criteria and, there is a scholarship space available, the applicant will be:
Provided with a code to be utilised on the Trybooking website that will enable the subsidy relevant of their level of scholarship.
If an applicant qualifies and there is no scholarship space available, the applicant will be placed on a waitlist. Should a scholarship place become available due to under utilisation, the TBT-S committee will make the scholarship available to the people on the waitlist in the order that the application was made.


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Parsippany heroin
Twenty-two folds of heroin marked "POISON" and "Blue Magic" in a car, Parsippany police said.
(Parsippany Police Department)
— Two men were arrested after 22 folds of heroin — labeled "Blue Magic" and "POISON" — were found in a car, police said.
Officers Ross Cooper and John Freudenberg saw four men standing near a parked car at Volunteers Park at 6:31 p.m. Aug. 4, according to police.
Three of the men were leaning into the passenger side of the vehicle, reaching into the center console, police said.
When the officers approached the men, they started walking away, police said. Cooper and Freudenberg then asked them who owned the car, but nobody answered, police said.
So the officers brought them back to the car, and the heroin was in plain view in the car, wrapped in 10-bag bundles, police said.
Randy Fleming, 19, of Boonton, and Bryan Tauro, 19, of Parsippany's Lake Hiawatha section, were arrested and taken to the Parsippany Police Department, according to police.
Fleming was charged with possession of heroin. Tauro was charged with possession of drug paraphernalia — he was found with a rolled-up dollar bill containing white powdery residue, police said.
Both were released pending court appearances.


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Amazon offers them for sale on its website.
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"This works fantastic on my thinner/lighter gauge or soft metals- much better than my metal saw does. However, the biggest issue with metal shears is that you can only cut so far into the metal before you have to start bending it just to reach. So these are great if you are, for example, cutting rough shapes (such as metal stamping blanks) but it is a struggle if you need to do something like cut a straight strip off a larger piece of metal.
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James Attwood, Autocar UK
08 May 2019
Honda has confirmed that its upcoming electric city car wlll be called the Honda e when it goes on sale in Europe later this year.
The model was first revealed as the Urban EV concept at the 2017 Frankfurt motor show. A near-production version was then shown at this year's Geneva motor show and called the Honda e prototype. The carmaker has now confirmed that name will stay for the production version.
The firm believes the car's retro design will give it an Apple-style appeal to customers.
The protoype shown at Geneva motor show is '95 percent production ready', according to the firm. It maintains the styling of the Urban EV Concept, albeit with the addition of an extra set of doors. While Honda has yet to reveal full technical details of the car, its designers told Autocar UK at the Geneva show that it would offer 'more than' 98bhp and 221lb ft of torque.
Honda said there have been more than 6,500 people who have expressed interest in the Honda e in the UK. Pricing has yet to be set, Autocar understands a ballpark figure is £35,000 (Rs 31 lakh).
Project manager Kohei Hitomi said the machine had been the subject of an internal 'battle' over whether to put it into production, with the positive reaction to the concept being a key factor in it gaining approval.
The car is slightly shorter than a Jazz and around 100mm taller than a Mini. Honda has said it will likely have an official range of around 125 miles (201km), with the fast-charging capacity to reach 80 percent charge in 30 minutes.
The e prototype is built on a new platform designed for A- and B-segment electric cars, with underfloor batteries produced by Panasonic that are similar to those used in the Accord plug-in hybrid in the US market. The rear-mounted electric motor drives the rear wheels, which employ torque vectoring to give a smoother response and improved handling in tight corners.
Although the e prototype's range is substantially lower than that offered by rival EVs such as the 282-mile Kia e-Niro or BMW i3, which offers 193 miles (310 km), Hitomi said it was necessary to keep the batteries small to fulfil its city-car role.
"We believe the range is sufficient for this segment of car," said Hitomi. "Some potential customers might not be satisfied, but when you think about bigger range and a bigger battery, it has drawbacks in terms of packaging. It's a balance."
The e prototype features cameras instead of rear-view mirrors, which help improve aerodynamic efficiency. There are also flush door handles and the charging port is mounted centrally in the bonnet.
The cockpit is dominated by two 12-inch touchscreens, built into a dashboard finished with a wood-effect trim. The seats – including a two-seat bench in the rear – are covered in polyester, which, as with the wood effect, is designed to make the interior feel like a living room.
The e prototype will be built in Japan and go on sale in selected European markets in late 2019, with others following in 2020. It will also be sold in Japan.
The firm has yet to set pricing. Hitomi said it is "important" the car is affordable but he added: "A low price is not always a guarantee of success. When you look at Apple products, they are not cheap, but everyone wants to have them because of their added value. We believe it is the same for the electric vehicle."
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23 Sep 2022
Tatas launch Camo edition of Punch
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22 Sep 2022
Tata Nexon races past 400,000 production milestone in 60 months
Ajit Dalvi
21 Sep 2022


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It is not uncommon for the sports of baseball, football, basketball and lacrosse to be represented in the Anne Arundel County Sports Hall of Fame class.
Sports broadcasting, racquetball and extreme sports are a bit more rare.
A broad spectrum of the sporting world will be covered when five deserving individuals are inducted next month. Brooks Barnard, Dave Johnson, Tim Mealey, Dave Norton and Kevin Slade will be formally enshrined when the 27th annual Anne Arundel County Sports Hall of Fame banquet is held on October 11 at Michael's 8th Avenue in Glen Burnie.
"We are excited to induct another diverse class that represents the wide range of sports our county residents pursue," said Chris Smith, president of the Anne Arundel County Sports Hall of Fame. "We are expecting another great banquet as we honor this latest group of outstanding athletes."
Barnard developed into a top-notch punter at Broadneck High and made it all the way to the National Football League. The Arnold native earned a scholarship to the University of Maryland, where he became a three-time All-Atlantic Coast Conference selection and two-time All-American.
Barnard, whose career average of 43.8 yards is still the best in school history, was a two-time finalist for the prestigious Ray Guy Award as the nation's most outstanding punter. He owns the two best season averages in Maryland history – 44.7 yards in 2000 and 44.5 yards in 2001.
Barnard was selected to the 2003 Senior Bowl and reached the NFL for the New England Patriots, Chicago Bears and Green Bay Packers. He punted in one NFL game with the Patriots in 2003, amassing 365 yards on 10 attempts in blizzard conditions.
Barnard also punted for the Rhein Fire of NFL Europe in 2004 before retiring to take a job with Under Armour. He currently serves as Under Armour's Director of Global Sports Marketing for Grassroots Football.
Barnard was named first team All-County three times and All-State twice while at Broadneck, where he set all the school records for both punting and place-kicking. He averaged 42.4 yards per punt as a senior, made 90 of 99 extra points and booted 18 field goals, including a 52-yarder.
Johnson has been the radio play-by-place voice for the Washington Wizards of the NBA for 20 consecutive seasons. The Gambrills native has been the Senior Sports Director and morning anchor at WTOP Radio since 1995.
Johnson began his illustrious career as Sports Director at WNAV Radio in Annapolis. He served as a sports anchor for Channel 5 in D.C. from 1996 through 2003 and has been an anchor with NBC 4 since 2015.
Johnson has performed play-by-play for a wide range of sports over the years, earning a reputation for excellence in soccer. He has been the television play-by-play voice for D.C. United of Major League Soccer and called the 2006 World Cup for XM Radio.
The Annapolis resident served as sideline reporter for Washington Capitals broadcasts on Home Team Sports for three years and hosted the "Face-Off" program as well. He received an Emmy Award for that particular pre-game television show about the Capitals.
Johnson has been an anchor for Comcast SportsNet Studio and Highlight programs since 2003 and has also done television play-by-play of soccer on ESPN and Fox Sports. He is a multiple winner of the Best Sportscaster Award for the District of Columbia and has earned an Edward R. Murrow Award for best writing.
Mealey initially made his mark as a goalie in lacrosse, starring at St. Mary's High and the University of North Carolina. However, the Annapolis resident's accomplishments in a variety of adult athletic pursuits put him over the top in the eyes of the selection committee.
Mealey was the starting goalie for a pair of St. Mary's squads that were ranked No. 1 in the final Baltimore Sun preseason poll, including the undefeated contingent of 1980. He was named a high school All-American as a senior in 1981.
The lifelong Annapolis resident earned a scholarship to North Carolina and was a member of the 1982 national championship club. He was named All-American by the United States Intercollegiate Lacrosse Association in 1984 (honorable mention) and 1985 (third team).
Mealey, who was inducted into the St. Mary's Athletic Hall of Fame in 2009, has a long list of accomplishments in marathons, duathlons and triathlons. He was a member of the United States Duathlon team that competed in the world championships in 2008 (Italy, 45-49 age group) and 2010 (Scotland). He was the fourth American finisher and placed 28th out of 144 competitors world-wide at the latter competition held in Edinburgh.
Mealey was the first place finisher among male masters entrants at the Miami Half Ironman in 2007 and 2008. He was the winner of the same category in the Sarasota International Classic in 2009 and 2010.
Mealey is also a five-time Maryland state champion in racquetball, ranking Top 10 in the United States in his age group for many years. He competed in professional racquetball tournaments for three years.
Norton was the head coach of varsity baseball at Mount St. Joseph High from 1983 through 2013, compiling an impressive career record of 603-264. The longtime Pasadena resident led the Gaels to MSA/MIAA A Conference championships in 1986, 1987, 1996 and 2004.
Norton, who also directed Mount St. Joseph to Private School state championships in 1993 and 1995, was named Coach of the Year by the Maryland State Association of Baseball Coaches (MSABC) twice.
Mount St. Joseph qualified for the MSA/MIAA playoffs for 25 consecutive years under Norton, who coached 17 professional players. Foremost among those alums were major leaguers Mark Teixeira, Gavin Floyd, Steve Clevenger and Mike O'Connor.
Norton's contributions to local baseball are notable as he was Director of the Crown/Brooks Robinson Senior All-Star game from 1988 through 2011. He served as vice president of the Maryland State Association of Baseball Coaches from 1992 to 2013.
Norton, who is a member of the MSABC Hall of Fame, has been the principal of Mount St. Joseph since 2013.
Slade, who died tragically of a heart attack in 1981, is a legendary figure among Annapolis-area athletes – a multi-sport athlete who played football and basketball at Morgan State University. He signed as a free agent with the St. Louis Cardinals of the National Football League in 1978 and spent one season with the organization.
Slade was a three-sport standout at Annapolis High, earning first team All-County honors as a running back in football, a forward in basketball and field events standout in track and field. He led the Panthers to the Region V championship in football and the Class AA state championship in basketball. He was the Anne Arundel County champion in both the long jump and triple jump.
Slade was selected to play in the Maryland North-South All-Star game in football and was named third team Parade All-American in basketball. He earned a scholarship to Morgan State, where he was named first team All-Mid-Eastern Athletic Conference in two sports.
Slade led Division I-AA and the MEAC with nine interceptions as a senior in 1977 and was an honorable mention All-American that year. He was also the leading rusher for an undefeated Morgan State squad and was inducted into the school's Athletic Hall of Fame in 1990.
Slade, who died at the age of 25, starred in semi-pro football with the Annapolis Flames and was a three-time Most Valuable Player in the Annapolis Summer Basketball League.
Terry Colebrook, an institution as a volunteer with the Lake Shore youth softball program, will receive the County Executive's Award for long-time, exemplary contributions to Anne Arundel Athletics. Colebrook, who died in November, 2016, will be honored posthumously for 35 years of selfless commitment to the Lake Shore Lightning, where he primarily coached the 10-under softball team.


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Graphic Art - Colour etchings
Helga Berscheid
Helga Berscheid exhibits colour etchings which seem surrealistic. In her dream worlds which are rich of mythological creatures she tries to build a bridge to a hidden world of inner peace and harmony.
Woodcuts around 1890 - Views of ancient cities
People and views of the most important cultural centers of the late 19th century are presented in the exhibition room of 'Woodcuts around 1890'. The bustling activities on the streets of Cairo, Yokohama and Copenhagen are shown as well as the people of this period ('Japanese writer', 'Maid in Amsterdam', 'The great bridge in Tokyo', 'Lunchroom in Chicago').
In the exhibition hall 'Wine motives' you will find all around the manufacturing of wine and champagne at the turn of the century as well as the consumption of them. In vino veritas!


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Strictly speaking, the world probably didn't need a 12-minute mashup of all The Backstreet Boys' greatest hits. But that didn't stop music mashup master DJ Earworm from making one, and it turns out it's a toe-tapping good time. The video was actually commissioned by The Backstreet Boys themselves, and it plays before their "Larger Than Life" Las Vegas residency. As such, it stretches the term "hit" beyond just their most popular songs. DJ Earworm does a good job blending true Backstreet Boys classics with newer songs like "In A World Like This" and "Show 'Em (What You're Made Of)" from their 2013 album In A World Like This.
Among those true classics are "Larger Than Life," "Everybody (Backstreet's Back)," "Shape Of My Heart," "As Long As You Love Me," "I Want It That Way," and "Show Me The Meaning Of Being Lonely" along with snippets from their respective music videos. In terms of the concert itself, L.A. Weekly's Eve Barlow has a great write-up about what it's like to attend a show where The Backstreet Boys (now ages 37 to 45) try to reclaim their former glory. From the so-so dance moves to the nine consecutive ballads to her special moment with Kevin Richardson, Barlow recreates her experience in vivid detail. Those who aren't quite committed enough to fly to Vegas just to see BSB live can at least live vicariously through her words and this mashup.
[via Digg]


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resident of Lander, Wyoming.
Enlisted in the Air Force in August 1958 immediately after high school.
Trained as aircraft mechanic at Sheppard AFB, TX.
Duty stations included:
My wife Nancy and I were married in the chapel at McClellan AFB, CA 15 Mar 72 and have raised two children to be useful citizens.
Since retirement I attended Lassen Community College in Susanville, CA, earning an Associate of Science degree in gunsmithing. Upon returning home to Lander, I first worked in the motor pool of a large state agency, then became a real estate broker with Century 21. I have been totally retired for about 7 years. We now spend the summers in Wyoming and the winters in Yuma, AZ.
My hobbies and interests include reading military history, particularly military aviation and Vietnam. I am a serious and somewhat successful rifle marksmanship competitor, a political activist for Second Amendment causes and a Life Member of the National Rifle Association. I spend quite a bit of time hunting, fishing and otherwise enjoying the great outdoors in the Rocky Mountains. I am an annual member of the Friends of the Air Force Museum.


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Disneyland Park Car Rental
Welcome to the car rental Disneyland Park information page with information on Disneyland Park car rental options, including which side do you drive on, transmission types, local Anaheim driving stress, licences, and more. You may also compare your Disneyland Park car rental options and search for the best available Anaheim car rental rates in the search box below.
Disneyland Park Car Rental Advice & Driving Tips
Disneyland Park Car Rental Desk Locations
There are car rental companies represented at all the airports in the area. Check out the destination page for the airport you are flying into to find out more information for that specific location.
Disneyland Park Car Rental Companies
Avis Budget Enterprise Hertz National
Anaheim Driving Information
Driving is on the right side of the road.
All Disneyland Park rental cars are automatic transmission.
Your local drivers' licence is required.
An International Drivers' Permit (or IDP) may be required, especially if your local drivers' licence is in a language other than the local language (you may inquire when you pick up your car).
An International Drivers' Permit (or IDP) may be required, especially if your local drivers' licence is in a language other than the local language (you may inquire when you pick up your car).
Anaheim Driving Stress Level: 6/10
If you are comfortable with multi-lane highways and have a GPS with your car, then driving will be stressful, but not too difficult.
Car Rental Protection
Learn how to protect yourself when renting a car at Disneyland Park.
Learn how to protect yourself when renting a car at Disneyland Park.
Disneyland Park Car Rental Recommendations
IHateTaxis.com has a mixed recommendation on a Disneyland Park car rental
If Disneyland Park is your only destination during your visit you would be better off taking one of the shared ride shuttles or a taxi from the airport. This will save you a bit of money as there is plenty of transport provided at the Disneyland Park to assist you in getting around. If you intend to explore the surrounding area as well as visiting the resort then it could well be worth looking into a rental car.
More Disneyland Park Transfer & Connection Options
- Disneyland Park Information
- Disneyland Park Distance to City Centre
- Disneyland Park Currency Exchange
- Disneyland Park ATM & Cash Machines
- Disneyland Park Wireless Internet Access
- Disneyland Park Maps
- Disneyland Park Flights, Arrivals, & Airlines
- Disneyland Park Taxi Service
- Disneyland Park Onsite Hotels
- Disneyland Park Private Transfer Services
- Disneyland Park Shared Shuttle Transfers
- Disneyland Park Location & Address
- Disneyland Park Train & Subway
- Disneyland Park Hotel Shuttle Transfers
- Disneyland Park Shuttle
- Disneyland Park Buses & Coaches
- Disneyland Park Limo & Private Car Transfers
- Disneyland Park Car Hire/Car Rental
- Disneyland Park Other Ground Transportation
- Disneyland Park Parking & Passenger Pickup
- Disneyland Park Stopover & Layovers
- Closest Airports to Disneyland Park
- Disneyland Park Services & Amenities


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Cat Facts
Did you know that a physicist once made his cat the co-author of his paper because he'd accidentally written "we" instead of "I" throughout his work and couldn't be bothered to change it? Also, believe it or not, the British Government has a position called "Chief Mouser To The Cabinet Office" that can only be assigned to a cat. And although this may not surprise you, a study once proved that cats are more than capable of recognizing their owner's voices, but simply choose to ignore it.
The Facts
#1-A house cat's genome is 95.6 percent tiger, and they share many behaviors with their jungle ancestors, says Layla Morgan Wilde, a cat behavior expert and the founder of Cat Wisdom 101. These behaviors include scent marking by scratching, prey play, prey stalking, pouncing, chinning, and urine marking.
#2-Cats use their whiskers to "feel" the world around them in an effort to determine which small spaces they can fit into. A cat's whiskers are generally about the same width as its body. (This is why you should never, EVER cut their whiskers.)
#3-Grapes and raisins, as well as onions, garlic, and chives, are all extremely harmful foods for cats. Grapes and raisins can cause kidney failure — although the reasoning behind that isn't clear. Meanwhile, onions, garlic, and chives wreak havoc on your cat's gastrointestinal system and can cause anemia.
#4-Spaying and neutering can extend a cat's life. The Banfield Pet Hospital study found that neutered males live an average of 62 percent longer than unneutered cats and spayed females live an average of 39 percent longer than unspayed cats.
#5-Cats use their long tails to balance themselves when they're jumping or walking along narrow ledges.
#6-If you keep your cat active during the day, he will sleep better at night. If you're not free-feeding your cat, you can also help her get a good night's sleep by providing her with a substantial evening meal.
#7-While it is commonly thought that the ancient Egyptians were the first to domesticate cats, the oldest known pet cat was recently found in a 9,500-year-old grave on the Mediterranean island of Cyprus. This grave predates early Egyptian art depicting cats by 4,000 years or more.
#8-A cat can't climb head first down a tree because every claw on a cat's paw points the same way. To get down from a tree, a cat must back down.
#9-The term "puss" is the root of the principal word for "cat" in the Romanian term pisica and the root of secondary words in Lithuanian (puz) and Low German plus. Some scholars suggest that "puss" could be imitative of the hissing sound used to get a cat's attention. As a slang word for the female pudenda, it could be associated with the connotation of a cat being soft, warm, and fuzzy.
#10-Some cats have survived falls of over 65 feet (20 meters), due largely to their "righting reflex." The eyes and balance organs in the inner ear tell it where it is in space so the cat can land on its feet. Even cats without a tail have this ability.
By Andy Harms
Bow Chicka Meow Meow


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Glaucoma is a condition that affects 250,000 Canadians and is the second biggest cause of vision loss. There are many different types of glaucoma and they're all defined by the damage done to the optic nerve. It can start off fairly slowly and worsens overtime. It is important that you see your eye care professional regularly to be tested as early detection is extremely important with glaucoma, preventing too much permanent damage.
Who is at risk?
Everyone has a risk of getting glaucoma, however some have higher chances than others. You have increased chances of getting glaucoma if:
– You are 40 years or older
– You are female
– If you have a family history of glaucoma
– If you are nearsighted
How do I prevent it?
You cannot exactly prevent getting glaucoma as there are many risk factors, but you can minimize your chances. To lower your chances of getting glaucoma:
-Visit your eye care professional on a regular basis to be tested
-Try to protect your eyes from infection (wash your hands before touching your eyes, do not share eye cosmetics)
– If you have high blood pressure or diabetes make sure you're keeping it well managed
There are many different types of glaucoma and many of these can occur without any symptoms, this is why it is imperative you see your eye doctor regularly to be tested. Experiencing increased vision loss could be a sign of glaucoma, be sure to see your doctor to have it look at it.
Acute closed-angle glaucoma can have strong onset symptoms that include headaches, blurred vision, severe eye pain, red eyes and nausea. If you are experiencing these symptoms see your eye doctor immediately, if they are unavailable go to an emergency right away to help you save your eyesight.
Your eye doctor will check your eyes with a series of tests to check for glaucoma. The most common test to check for glaucoma is a non-contact tonometer (NCT). The NCT test involves a puff of air being directed toward your eye, this burst of air measures the eye's internal pressure.
Although there is no cure for glaucoma it can be treated and can help prevent more damage. Your eye doctor will most likely prescribe you eye drops to help relieve some of the pressure, however if your case is severe or the eye drops are not doing what they're supposed to your eye doctor may recommend laser surgery.


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Does Bradley Florida house owners insurance cover roofing damage and roof leaks?
Hurricane Irma Damage Roofing Contractor and Building Contractor
Bradley House insurance coverage policies generally cover roof damage triggered by fire, vandalism and "disasters," such as typhoons and twisters. Whether they will spend for damage triggered by wind, rain or hail is figured out by your policy and the age of your roofing system.
For example, if your roofing is less than 10 years old, your insurance provider will likely cover the replacement in full. An insurance company may not reimburse you if you have an older roofing system (particularly one that is more than Twenty Years old) or the company may just pay what it considers the roofing deserves after years of wear and tear.
A leaking roofing may be covered, however insurer think homeowners must prevent leakages and subsequent damage. It's up to the house owner to take the necessary safety measures to keep the residential or commercial property. If a dripping roofing system isn't repaired effectively, an insurer might not cover damage.
Whether you're repaid partly, totally or not at all depends upon your policy, so talk to your insurance coverage company if you experience any damage in your Bradley Fl home.
The best ways to protect your roof after a hurricane like Hurricane Irma in Bradley Florida
Here are five ideas to safeguard your roofing after a storm like Hurricane Irma in Bradley Florida:
- Take pictures of your roof so you have them on file in case of any damage. If your roofing system is harmed, then take a set of "after" images so you can record the damage and send it to your insurance business.
- If your roofing system is more than 10 years old, you might want to work with a roof inspector who can look for any damage and locations that require repair.
- Replace any broken or worn shingles or tiles. A broken shingle may appear minor, however it's not protecting your home and can result in damage. An insurance coverage inspector may perform a check of your property from the street. Insurer can cancel your policy if the home is thought about to be in disrepair which can include a leaky roof and damaged or displaced shingles.
- Cut back any trees hanging over your house and get rid of any dead trees.
- If your roof is harmed, contact your insurer and ask them to send an inspector to examine the damage.
Insurer cover roofings differently and your state can play a big part regarding whether or just how much you're compensated. It's finest to speak to your insurance coverage supplier if you have concerns about whether or not roof damage will be covered by insurance coverage.
Filing a roofing replacement insurance claim
The timeframe an insurance company gives you to file a claim can depend upon the kind of damage and the business's policy. It's best to call your insurance company as soon as there is damage.
Here are steps to take if you require to sue because of roof damage:
- Contact your insurer instantly and learn what's covered by your policy.
- If possible, supply "before" and "after" images to your insurer so they can review the damage.
- Set up a time for an insurance coverage declares examiner to review the damage.
- Find a certified roofing professional as soon as possible. A broken roofing is not correctly protecting your home so you need to get it repaired rapidly.
Jeff says replacing a roof can cost anywhere from $10 to $20 per square foot. He suggests that homeowners go to the Roofing Professional Institute's website to discover a certified roof expert to examine the roof or National Roofer Association (NRCA) to discover a qualified roofing contractor prior to making this major investment.
Insurance provider see roofing systems as one of the most vital parts of a house due to the fact that they protect homes from the aspects. If you have a damaged roof, you're most likely going to have issues within your home that will result in more claims.
Let www.RooferAlliance.com help you file your home insurance coverage claim now.
Wanting to limit the number of claims that can come from a leaky roofing system, numerous insurance companies are ending up being more limiting with roof coverage.
Please, call us today for your repair work quote on your Bradley Fl property.
Hurricane Irma Damage – Building and Roofing Professionals Certified In Bradley Florida Call: (386) 267-6570.


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After a nice rally yesterday, prices of mortgage backed securities (MBS) have moved lower this morning, indicating a probably rise in rates. Remember, as price goes DOWN, investors supplying the money for mortgages are essentially demanding a higher return in order to buy. That "return" correlates to rates. Around the globe, stock markets are in rally mode after global consumer confidence improved for the 3rd month in a row leading many around the world to believe the worst is over. But stocks don't even need to rise in order for mortgages to feel the ill effects of a bullish global economy. Why? Basically, markets have "planned for the worst" by investing in low rate, long term bonds such as the 10yr treasury. Lower rate mortgages (which tend to last the longest as they're less likely to be refinanced) come along for that ride as an alternative or compliment to treasuries. So when sentiments arise that the recovery may be taking shape sooner and better than expected, these long term, low rate positions get hammered because they would vastly underperform in a "recovered" economy.
We do have some economic data to digest this morning. The Mortgage Bankers' Association Index reported Purchase Applications fell 7.2% for the week ending June 5th. Purchases showed a slight improvement of 1.1% while the refinance activity fell 12%. With the sharp and sudden increase in mortgage rates, it is not surprising to see the refinance activity drop substantially. The overall reading is the lowest level since February. It is the stated goal of the Fed to keep mortgage rates down to help the housing sector to recover which will also help the overall economy. The Fed continues to be very quiet in regards to this sharp increase in mortgage rates. Do you feel they are doing the right thing by remaining quiet? Or is there anything they can do at this point?
In other scheduled data this morning, the U.S Department of Commerce reported that the trade balance worsened from April growing to $-29.2 billion following last month's revised $-28.5 billion gap. Our exports dropped by 2.3% while imports declined 1.4%. The drop in our exports is a sign of weakness in our manufacturing sector which is somewhat of a negative for stocks, but this report in and of itself is not enough to dictate market direction on the day.
The big event taking place today is the 2nd of 3 treasury auctions for the week. Treasury will be auctioning $19 bln in 10 year treasury notes at 1pm eastern. Since the supply is known in advance, the most important aspect of the auction will be the demand. Yesterday's 3 yr treasury auction was received fairly well, with good overseas demand. The 10 year auction is much more related to MBS because of "duration," which measures how long a mortgage lasts before being paid off (via refinancing, selling, foreclosure, etc…) Bottom line, the average is much closer to 10 yrs than to 3. In somewhat negative news for our treasuries, Russia announced last night that they might pull some of their reserves out of treasuries. This caused treasuries to sell off last night increasing their yields, bringing MBS down with them. The MBS Commentary blog will have complete coverage of the auction after it is completed.
Later today we do get the release of the Beige Book which is a report on economic conditions and is one of the many tools used by the Fed to decide monetary policy. In general, the stronger the indications the fed has about future economic growth, the more likely they are to raise rates in order to prevent the excessive and/or inflationary growth. The Fed has 3 policy's, accommodative(lowering rates), neutral(keep things steady) and restrictive(higher rates). Since investors appear to be buying into "the worst is over" mentality, I suspect that this report will carry a little more weight today than in previous months and may impact the markets even though much of the data from this report is already known.
Other than speeches from a few members of the Fed, that is it for the economic data. Any time we get Fed speak, it can result in a unexpected tape bomb (sudden unexpected movement in securities' prices). With the various things going on today, stay seated with your seatbelts in full lock position. We are probably in for a bumpy ride. Currently, all markets are looking for some direction.
Early reports are indicating that the par 30 year fixed rate mortgage to be in the 5.5% to 5.75% range for the best qualified consumers. This is slightly worse than yesterday. In order to qualify, you must have a FICO credit score 740 or higher, a loan to value of 80% or less and pay all closing costs including 1 point loan origination/discount/broker fee.