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With IFA Correspondent & Destiny Builders – Kevin & Karen Hardin
Dear Intercessor,
We are excited that you will be joining us for this 2020 pre-election prayer tour. There has never been an election that has been under such spiritual attack. Our job as intercessors is an important one.
The dates of our prayer tour encompass two very important events. The first day we will be joining the The Return event on the National Mall for a National Day of Prayer and Repentance with Jonathan Cahn. It will be a full day joining with other believers in prayer.
Additionally, we will be there during one of the most significant days for prayer and repentance on God's calendar, Yom Kippur, which is Sunday, September 27. Historically this day has been a day in which the veil between heaven and earth is thinnest. Again, it is an important opportunity.
On this tour, we will be going to strategic locations across Washington, D.C. to pray. Our friend Rene Couture with Our Time in History has been leading tours on the East Coast for over twenty years. We did a D.C. prayer tour together two years ago and watched God open amazing doors. She has a wealth of information regarding the historical and spiritual backgrounds of these locations that she will be sharing with us.
Throughout each day, Kevin and I will be sharing some prophetic insights and leading the times of intercession. We will also hold debriefings each night so we can all come back together and share what God is speaking to each of us and hear what He is doing in real time.
For tour details and registration info, see below. We look forward to gathering together to pray God's kingdom come on earth as it is in Heaven.
Karen Hardin
"For the eyes of the Lord range throughout the earth to strengthen those whose hearts are fully committed to him." (2 Chronicles 16:9a NIV)
On tour with Rene, you will discover America's rich spiritual heritage and see your purpose and destiny as a citizen with new eyes. Having guided more than 10,000 students and adults on East Coast tours, Rene brings important insight and teaching into the historic and present-day details at each location. Rene is passionate about challenging people to not merely exist but, instead, to make a difference in our nation by embracing God's plan for their lives in our time in history.
Tour Details
Friday, September 25 to Thursday, October 1, 2020 (7 days, 6 nights)
Agenda (subject to change):
- The Return national and global day and movement of prayer and repentance on the National Mall
- VP Mike Pence's Bible Study + prayer
- State Department + prayer
- White House
- Pentagon
- Supreme Court
- Capitol Hill
- Prayer with some of our Congressional leaders
- Possible meeting with Senate Chaplain Barry Black
- Monument and memorials
- Museum of the Bible
Price is $2100 per person (price subject to change, based on number of travelers). Tour includes professional tour guide, 6 nights' accommodations (double occupancy), breakfast and dinner (starting with breakfast on September 26 and ending with breakfast on October 1), entrance fees to ticketed attractions, and ground transportation during the tour.
Tour begins at 8pm on September 25 at the hotel with an introductory welcome meeting. Tour ends at 12pm on October 1st at the hotel.
Ground transportation between hotel and airport is your responsibility.
When booking airline tickets, we recommend flying into Reagan International Airport (DCA) arriving before 6pm on September 25, and departing out of Reagan International Airport (DCA) no earlier than 3pm on October 1.
$100 nonrefundable deposit is due upon the receipt of your invoice following the submission of the online registration form in order to hold your place on this tour. Space is limited, so sign up early.
Tour price is based on 35 confirmed tour participants; if less than 35 participants, tour will be evaluated for viability.
Payment and Cancellation Information
Payment policy:
- Tour must be paid in full by Monday, July 27, 2020.
- You may make payments via credit or debit card (Visa, MasterCard, American Express, or Discover).
- You may pay your balance in one payment (due Saturday, June 27) or two equal payments (due Saturday, June 27 and Monday, July 27).
Refund and cancellation policy:
- Your $100 deposit is 100% refundable through Friday, June 26; after that date it is nonrefundable.
- One payment plan: Balance is due 90 days before the start of the tour which is Saturday, June 27. If you need to cancel, you are eligible for a 50% refund of the tour cost minus any nonrefundable purchases and contracted services until 31 days from the start of the tour which is Tuesday, August 25. No refund will be given after Tuesday, August 25.
- Two payment plan: Half of your balance is due 90 days before the start of the tour which is Saturday, June 27; this payment is nonrefundable. Your second and final payment is due 60 days from the start of the tour which is Monday, July 27; you will still be eligible for a refund of 50% of the tour cost minus any nonrefundable purchases and contracted services until 31 days from the start of the tour, which is Tuesday, August 25. No refund will be given after Tuesday, August 25.


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- This event has passed.
Systems Revolutionary Training Program
December 16, 2019 @ 7:00 pm - 8:30 pm
Learn the principles of all systems and apply these principles to understand how your body is a system (Course Module 1); apply these same principles to a complex system that will be featured in the workshop (Course Module 2); know the system dynamics of Power, Profit & Control versus Truth, Freedom & Health (Course module 3); learn what is "Revolution" and how to make Revolution (Course Module 4). Discover tools that so YOU can Teach your peers the science of systems and everything you learn from this workshop. Get inspired to Serve your community by educating them on the flaws of "science is settled" reductionist thinking, and share systems principles with your neighbors to expose how the measure of success of acquiring immunity, which focuses on antibodies alone, is incomplete at best. Become a Systems Revolutionary! (All who successfully complete this workshop will receive a certificate.)
Register at: https://vashiva.com/truthfreedomhealth/

subset: commoncrawl


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Here's a pretty extreme look for a music video. You've never seen footage from a RED Epic look like this. Find out how - and why - it was done
What happens when you push the controls on an effect panel as far as they can go?
Actually, in this music video, which throws away just about every detail except for the edges of objects and performers to give a retro, eight bit feel, the process was a log more complicated than that.
Hop Litzwire has written below about the genesis of this video and how it was made.
Fascinating stuff.
We suggest that you watch the video and then read about it, in the words of Hop Litzwire
First off, I guess I should say a few things about the band, because it has a bearing on the nature of the video. BOBGOBLIN, or at least the three founding members, have been together for 20+ years, through major and independent labels and even under the moniker of a more pop-centric alter-ego, Adventures of Jet/AOJ (actually more successful worldwide than the original name and sound). After the AOJ project and a few years of a creative break, we came back fully inspired to get back to the original BOBGOBLIN vibe and sound, which is by our own accounts a mix of old-school punk, new-wave, early 70's glam, perhaps a dash of prog, and a heavy dose of socio-political angst.
Nearing the completion of our first record in quite some time, we started playing with an idea that involved a very current topic....30-year-old arcade games. Sarcasm aside, it was an idea I had toyed with 20 years ago...using the beloved games from our youth as an inspiration for more of our socially-conscious songs, to the point where the songs are barely related to the games, except in name. And now, with our focus intensified and no label or group to really govern how out of date or silly our ideas sound - i.e., truly and happily independent - we started working on the classic arcade tribute EP, THRUSTER. The first song out of the gate is a song named after the game Sinistar, and though the game is long out of date, the topic of the song (and in some ways the game) has been current since the creation of surveillance organizations and the idea of "Big Brother." So in terms of the video, we wanted to get that conceptual element in there, while alluding to the visual vibe of a classic vector arcade game.
With a lot of time or a whole lot of money, the classic vector-game-look could be perpetrated to a "T" by the right people, but we're doing this ourselves, and I'm a TV Producer/filmmaker, cameraman, editor, effects compositor, composer for TV and film, songwriter in the band, record producer, performer, and father of two soccer and basketball-playing boys....so there ain't no time and not enough band fund to dedicate to this one video. That means we're going to have to turn to plug-ins to do the heavy lifting for the desired effect if we want this to be a fairly expeditious process.
Even though I wasn't sure exactly which plug-in effects I would be using in the end, I knew that we would have to have a good outline of the band and the two actors to start the process properly. I do have a Red Epic, so admittedly I had a head start on that process, as the element of noise is not as much of a concern as with some formats. However, we were going to be using a GoPro for some shots to make up for the lack of fisheye lenses and for some quick takes, so that was a bit more challenging when it came to green-screen work.
Everything but the running shots were shot in front of a green screen at two different studios that we had access to. Actually, one of the green screens was in an amazingly equipped library in Chicago; with guitar-player Tony Jannotta being in his hometown of Chicago while we were producing the video, he and his wife found the library as an option and worked together to capture the shots in front of the green screen there, corresponding with me during the session to make sure we had everything we would need. No matter which green screen was used, as always it was very important to get full and even coverage of light on the green screen, and in this particular case it was important to blast the subject with light without too much concern for the dramatic effect of the lighting - I was mainly looking for outlines of the body and costume elements (we've worn uniform outfits with our chosen numbers since the band's creation in 1993, so seeing the numbers fairly clearly was important).
After shooting all the stuff, I brought them into After Effects and messed around with available plug-ins and techniques for some time, settling on using Boris Continuum's Cartooner effect to get close to the vector effect I wanted. I had to do some layering of the same shot to get it to act like I wanted, and I tweaked the parameters seemingly forever, but again having good green screen material was important, because even the cartooner effect will crap out around the edges if there is noise present. For the final shots, I wanted to homage the star fields that were present in seemingly most early arcade games, so I added a basic particle layer behind everything, and I think that was key to the arcade game vibe while adding more excitement and movement overall to the video. The Sinistar character (from the game) is a metaphor in the song for the increasing ineludibility of surveillance, so I added it to the layers throughout the video to carry that allusion from song to video.


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By Courtney Kendler
Holt Journal staff reporter
When you walk into a coffee shop or beauty parlor in Holt, you may not be surprised to see a primarily white demographic.
According to statistics gathered from the 2010 U.S. Census Bureau, Holt is 86.3 percent white, 5.6 percent African American and 5.4 percent Hispanic.
In that same year, the state of Michigan was recorded as being 78.9 percent white, 14.2 percent African American and 4.4 percent Hispanic.
Compared with the state average, Holt has a significantly higher representation of white residents, while the number of African American and other minority groups in the area is lacking.
Avni Tokhie, an Indian American and recent transplant to Holt, has taken notice of the lack of diversity in the area. "I noticed that Holt lacked diversity when I went grocery shopping at the Holt Meijer," she said. "I only saw Caucasians and a few African Americans, nothing else."
Township Supervisor C.J. Davis believes the reason Holt is home to so many Caucasians is because the community has traditionally been that way. "People here were raised by a bunch of farmers and a lot of the African Americans went into the city to live because it was closer to jobs and closer to the plants," said Davis.
"Holt is not diverse, but I feel like they are still accepting of other people," said Tokhie. "Since it's a small town, people probably think the residents here are close-minded, but I have not run into any of those people so far."
What Holt lacks in racial diversity, it also lacks in religious diversity. According to a 2010 U.S. Religion Census, there are 16 Catholic churches registered in Holt, but no synagogues or mosques.
"There has never been a synagogue in Holt," said Davis. "There is one synagogue, Kehillat Israel, on Aurelius (Road), but that is the closest one to us."
Audrey Taylor, a constant fixture at her church near Holt, said the majority of registered members at her church are white, but that a large number of minority children are bussed in from surrounding poor neighborhoods for services each Sunday morning.
"My church is more accepting of minorities because we're trying to help them," said
Michigan State University Professor of Social Work Dr. Ronald Hall believes that initiatives like this, which create alliances between churches, are a good way to promote diversity.
"I think churches in Holt could start the process by interacting with black churches," said Hall. "There are quit a number of African American churches in the Lansing area and if those churches could interact together, I think that's a way you can begin to form a community alliance."
Because concerns over diversity have never been at the forefront of Holt development, no funds are currently being allocated toward enlightening the public about people of different races or ethnicities.
According to Davis, townships operate differently than cities, leaving little money to be spent on initiatives that might improve diversity. "When we spend money on issues like this, unlike city budgets, we have people within the township asking why we are spending their taxes doing this and that," said Davis. "But, as a township, we try to make it welcoming for everybody."
Contrary to what Davis said, Tufts University Professor of Sociology Susan Ostrander believes there are many things communities can do to educate people about diversity, many of which don't involve spending a lot of money.
"Public schools can also make sure that curricula is inclusive and that children and teachers are culturally competent," said Ostrander. "Community organizations, including churches, can sponsor discussions about why diversity matters."
Ostrander also suggests that local businesses should consider selling ethic foods and other products, as well as hiring people from diverse groups.


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A special edition honoring our war heroes as a group of students at Navigator Elementary School show their support for veterans and their service dogs through a creative project; Model Maker Sean Tracy uses his skills to honor those who have served our country; And photographer Jennifer Karady's exhibition Soldiers' Stories from Iraq and Afghanistan evokes the psychology of life after war.
Stiggy's Dogs is an organization that trains rescue dogs to be service dogs for veterans. Recently, a group of elementary school students wanted to show their appreciation for Stiggy's and for veterans with a creative service project.
Sean Tracy is a guy who believes in honoring our veterans and also loves making museum quality models of military vehicles. The result is the Veterans Model Project.
Jennifer Karady has worked with American veterans returning from the wars in Iraq and Afghanistan to create staged narrative photographs depicting their individual stories and addressing their difficulties in adjusting to civilian life.


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Property Details
Central Lonsdale
877 Ridgeway Ave, North Vancouver, BC, V7L 2B3, Canada
Fabulous home that has it all! This home is completely detached and has all you need for family life! Beautiful finishings throughout including granite, stainless steel and hardwood. Open plan on bright main floor with fireplace and nice outlook. Well laid out 3 bedrooms up. Lovely back yard, garage, and tons of storage! Really unbeatable at this price!
Listing Provided By
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Copyright and Disclaimer
The data relating to real estate on this web site comes in part from the MLS Reciprocity program of the Real Estate Board of Greater Vancouver. Real estate listings held by participating real estate firms are marked with the MLSR logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by the Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of the Real Estate Board of Greater Vancouver. Copyright 2020 by the Real Estate Board of Greater Vancouver, Fraser Valley Real Estate Board, Chilliwack and District Real Estate Board, BC Northern Real Estate Board, and Kootenay Real Estate Board. All Rights Reserved.
- Patricia Houlihan - Personal Real Estate Corporation
- 604-376-7653
- 604-376-7653
- 604-971-1798
- email@example.com
- Coldwell Banker Prestige Realty
- 310 - 638 Broughton Street
- Vancouver, BC


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January 9, 2018, by EVA FEDDERLY, Courthouse News
SHELL BLUFF, Ga. (CN)- The Rev. Charles Utley was born in the rural town of Shell Bluff, Ga., in 1947, long before nuclear power facility Plant Vogtle erected its first two nuclear reactors in the community.
When Utley was a boy, people swam in the Savannah River next to where Plant Vogtle would later build nuclear reactors 1 and 2 in 1987 and 1989, respectively.
Today, very few swim, fish or drink from the river because it is one of the most toxic in the United States.
"One thing we're seeing is the amount of cancer-related illnesses in the area," Utley, who serves as a pastor in the community, said in an interview. "Before the building construction within the last three decades, Burke County [had] one of the lowest cancer rates in the nation. Now we're one of highest… It came from exposure."


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The Redragon Yama is a huge step forward for the Chinese manufacturer.
Previously known for their line of budget, bang for the buck mice like the Perdition and Mammoth, nobody would've thought that Redragon's debut into the mechanical keyboard market will be so successful. Considering the price and the manufacturer's experience with mechanical keyboards, the sheer number of features and the quality on offer is perplexing. Let's dive into our Redragon Yama Mechanical Keyboard review and take a closer look at what it has to offer.
What we played: Counter-Strike: Global Offensive, Playerunknown's: Battlegrounds
*This item was not provided by Redragon. It was purchased by Unleash The Gamer for review purposes only.
After several extensive testing sessions (a.k.a. Playing video games), I can safely state that the Redragon Yama keyboard is relatively comfortable. If you've had no comfort issues with Corsair K63 or K70, then you'll have no problems with this one, because they have very similar design philosophies. The multimedia buttons, which are positioned on the top side of the keyboard, are shaped differently than the other buttons, making them very easy to reach and use via muscle memory.
From a design standpoint, the Redragon Yama is a huge step forward for the Chinese manufacturer. The design is pretty impressive considering that they weren't exactly famous for delivering handsome peripherals. Like we've mentioned above, if you dig the Corsair school of keyboard design, you'll like the Yama. It has a similarly blocky, yet elegant and streamlined design, with an Apple-ish coloring scheme that confers it with a unique charm.
Other than that, there's not much else to say about its design. The buttons are nicely textured, preventing the fingers from slipping off the buttons due to sweat. Apart from some questionable decisions regarding the macro buttons – the position and the materials used – and other things that I'll put under the "pet peeve" category, the design is top-notch and a huge step forward for the company.
The Redragon Yama is relatively large, but not to a degree where you'll have trouble fitting it on a regular desk. Thanks to its uniform and streamlined design, the Yama doesn't take more space than it needs to, so don't worry if your desk is usually cluttered.
If Walmart is out of your way, the Yama is so sturdy that it can easily serve as a baseball bat (please don't do that). This keyboard is a freaking tank. The top plate is built out of aluminum, with a nice brushed finish, while the underside of the keyboard features a white, durable plastic plate that could crack a watermelon in hundreds of pieces. Being built primarily out of aluminum, the Yama is pretty heavy, so think twice before wedging it between your traveling essentials.
However, there are a few design quirks that we'd like to quickly address before heading on to the next entry, and they are related to customization.
But first, let's start with the positives. The Redragon Yama features 12 dedicated keys for setting macros, as well as internal memory for saving the settings. They are nicely textured and nice to the touch.
The macro keys (G buttons) are decent, BUT they are terribly positioned. Physically reaching the buttons with your fingers will take longer than executing the commands yourself which, you know, defeats the purpose of having macro keys in the first place. Another thing worth mentioning is that the G-Keys are membrane. On the bright side, they make up for the awful placement with simple programming. Setting up and resetting the macros is as simple as punching several commands in certain combinations. For more details, you can check the (awkwardly) translated manual.
For a mechanical keyboard of its size and shape, the Redragon Yama is surprisingly silent. Don't get us wrong, this board is capable of causing a decent amount of racket, but not to a degree where it becomes annoying to other people. The keyboard offers a nice tactile feedback – which makes typing very satisfying -, but sadly without the characteristic ''click'' thing. All in all, if you want a low-key board that offers the satisfying feedback of a mechanical keyboard without the risk of waking up the entire block, the Redragon Yama is the perfect compromise.
This concludes our Redragon Yama Mechanical Keyboard review. As far as budget keyboards are concerned, the Redragon Yama is a sound choice thanks to its sturdy build, quality keys and overall quality on the table. If you want something similar to what Corsair offers but you don't want to break the bank, you should give this one a shot.
|The Good
|The Bad
|Macro keys are membrane
|Neat design
|Macro keys are positioned terribly
|Strong frame built out of aluminum
|Silent for a mechanical keyboard
Redragon Yama Mechanical Keyboard
31 Key RGB LED Illuminated Backlit Yama
|45.2 x 22.4 x 24. cm
|Body Material
|5 preset backlight modes & 3 backlight memory settings
|Macro Keys
|12 programmable
|Full anti-ghosting keys
|Fully programmable with key rebinds, key press macros, text based macros
|Windows and Mac OS X, USB port required
|Wrist rest
|Quick detachable wrist rest
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Author Archives: aldridgeandsoutherland
6 Reasons Why Selling Your House on Your Own is a Mistake
6 Reasons Why Selling Your House on Your Own Is a Mistake
- Your Safety Is a Priority
Your family's safety comes first. When you FSBO, it is incredibly difficult to control entry into your home. A real estate professional will have the proper protocols in place to protect not only your belongings, but your family's health and well-being too.
- A Powerful Online Strategy Is a Must to Attract a Buyer
Recent studies from NAR have shown that, even before COVID-19, the first step 44% of all buyers took when looking for a home was to search online. Throughout the process, that number jumped to 93%. Today, those numbers have grown exponentially.
- There Are Too Many Negotiations
Here are just a few of the people you'll need to negotiate with if you decide to FSBO:
- The buyer, who wants the best deal possible
- The buyer's agent, who solely represents the best interest of the buyer
- The inspection companies, which work for the buyer and will almost always find challenges with the house
- The appraiser, if there is a question of value
As part of their training, agents are taught how to negotiate every aspect of the
real estate transaction and how to mediate the emotions felt by buyers looking
to make what is probably the largest purchase of their lives.
- You Won't Know if Your Purchaser Is Qualified for a Mortgage
Have a buyer who wants to purchase your house is the first step. Making sure they can afford to buy it is just as important. As a FSBO, it's almost impossible to be involved in the mortgage process of your buyer. A real estate professional is trained to ask the appropriate questions and, in most cases, will be intimately aware of the progress that's being made toward a purchaser's mortgage commitment.
- FSBOing Has Become More Difficult from a Legal Standpoint
The documentation involved in the selling process has increased dramatically as more and more disclosures and regulations have become mandatory. In an increasingly litigious society, the agent acts as a third-party to help the seller avoid legal jeopardy. This is one of the major reasons why the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years.
- You Net More Money When Using an Agent
Many homeowners believe they'll save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real estate agent's commission. The seller and buyer can't both save the commission.
A study by Collateral Analytics revealed that FSBOs don't actually save anything by forgoing the help of an agent. In some cases, the seller may even net less money from the sale. The study found the difference in price between a FSBO and an agent-listed home was an average of 6%. One of the main reasons for the price difference is effective exposure.
The more buyers that view a home, the greater the chance a bidding war will take place.
4 Reasons to Buy a Home This Fall!
Is Now a Good Time to Rent?
People often ask if now is a good time to buy a home, but nobody ever asks when a good time to rent is. Regardless, we want to make certain that everyone understands that today is NOT a good time to rent.
The Census Bureau recently released their 2017 first quarter median rent numbers. Here is a graph showing rent increases from 1988 until today:
As you can see, rents have steadily increased and are showing no signs of slowing down. If you are faced with making the decision of whether or not you should renew your lease, you might be pleasantly surprised at your ability to buy a home of your own instead.
Bottom Line
One way to protect yourself from rising rents is to lock in your housing expense by buying a home. If you are ready and willing to buy, meet with a local real estate professional who can help determine if you are able to today!
Blog Via Keeping Current Matters
3 Reasons the Housing Market is NOT in a Bubble
With housing prices appreciating at levels that far exceed historical norms, some are fearful that the market is heading for another bubble. To alleviate that fear, we just need to look back at the reasons that caused the bubble ten years ago.
Last decade, demand for housing was artificially propped up because mortgage lending standards were way too lenient. People that were not qualified to purchase were able to obtain a mortgage anyway. Prices began to skyrocket. This increase in demand caused homebuilders in many markets to overbuild.
Eventually, the excess in new construction and the flooding of the market with distressed properties (foreclosures & short sales), caused by the lack of appropriate lending standards, led to the housing crash.
Where we are today…
1. If we look at lending standards based on the Mortgage Credit Availability Index released monthly by the Mortgage Bankers Association, we can see that, though standards have become more reasonable over the last few years, they are nowhere near where they were in the early 2000s.
2. If we look at new construction, we can see that builders are not "over building."Average annual housing starts in the first quarter of this year were not just below numbers recorded in 2002-2006, they are below starts going all the way back to 1980.
3. If we look at home prices, most homes haven't even returned to prices seen a decade ago. Trulia just released a report that explained:
"When it comes to the value of individual homes, the U.S. housing market has yet to recover. In fact, just 34.2% of homes nationally have seen their value surpass their pre-recession peak."
Bottom Line
Mortgage lending standards are appropriate, new construction is below what is necessary and home prices haven't even recovered. It appears fears of a housing bubble are over-exaggerated.
Is 2017 the Year to Move Up to Your Dream Home? If So, Do It Early!
Is 2017 the Year to Move Up to Your Dream Home? If So, Do It Early!
If you are considering moving up to your dream home, it may be better to do it earlier in the year than later. The two components of your monthly mortgage payment (home prices and interest rates) are both projected to increase as the year moves forward, and interest rates may increase rather dramatically. Here are some predictions on where rates will be by the end of the year:
Freddie Mac
"While full employment and rising inflation are signs of a strong economy, they also have the potential to push mortgage rates and house prices up. The higher rates and higher prices create significant affordability concerns, which may continue to characterize the housing market for the rest of 2017."
Lynn Fisher, Vice President of Research & Economics for the Mortgage Bankers Association
"By the time we get to the fourth quarter of this year, we will still be under 5 percent – we are thinking 4.7 percent…Something north of 5 percent by the time we get to 2018, and by the time we get to 2019, we show fourth-quarter rates hitting 5.5 percent."
Mark Fleming, First American's Chief Economist
"Despite some regional disparities, title agents and real estate professionals do not expect increasing mortgage rates to have a significant impact on the housing market this spring. Continued good economic news, increasing Millennial demand and confidence that buyers will remain in the market even if rates exceed 5 percent bode well for 2017 real estate."
Len Kiefer, Deputy Chief Economist for Freddie Mac
"We will probably see rates higher at the end of year, around 4.5%."
Bottom Line
If you are feeling good about your family's economic future and are considering making a move to your dream home, doing it sooner rather than later makes the most sense.
Is the Current Pace of Home Sales Maintainable?
There are some experts questioning whether the current pace of residential home sales is maintainable. Are too many people buying homes like in 2004-2006? Are we headed for another housing crisis? Actually, if we look closely at the numbers, we can see that we are looking at a very healthy real estate market.
Why the concern?
Some are looking at the last four years of home sales and comparing them to the three years just prior to the housing bubble. Looking at the graph below, we can understand that thinking.
However, if we go further back in history, we can see the real picture. After taking out the "boom & bust" years, the pace of sales is growing at quite a natural pace.
And new home sales are way below historic numbers. Dave Liniger, Re/Max CEO explains:
"We expect a seasonal uptick in sales this time of year and March certainly met and somewhat exceeded that expectation. We don't anticipate the tightening inventory to ease up in most markets until new home construction can catch up to its pre-recession pace. Until then, sellers will enjoy a fast-paced market and buyers will need to work with their agents to get in the right home."
Bottom Line
The current pace of residential home sales definitely seems maintainable.
Who's Mortgage are you Paying?
Who's Mortgage are you Paying?
It is important to realize that unless you are living rent-free with your parents, you are paying a mortgage. Either your own or your landlord's.
If you are serious about your finances you should certainly own your own home. Owning your home will not make your rich over night. When renting you are paying someone else's mortgage and making someone else rich.
As a home owner, your mortgage payment is a form of "forced savings". This allows you to build equity in your home that can be used later in life. When renting, you are guaranteeing the landlord as the person with that equity.
Another benefit of owning your home is that with a fixed rate mortgage, you will have the certainty & stability of knowing what your mortgage payment will be for the next 30 years unlike rents rates which are continuing to rise.
Bottom Line
Whether you are looking for a primary residence for the first time or are considering purchasing a second home, now is the time to buy!
Interest Rate Effects
How does an interest rate change affect you?
$1,000 Payment 30 year Loan
3.5% loan amount – $222,200
4.5% loan amount – $197,400
1% Change in rate is a 10% change in buyer's price!
Interest rate history for past several months
1st Quarter 2016 – 3.6%
2nd Quarter 2016 – 3.6%
3rd Quarter 2016 – 3.4%
4th Quarter 2016 – 3.9%
1 Quarter 2017 – 4.2%
Real Estate is Growing Stronger
Stats that prove the Real Estate Market is Getting Stronger
Whenever there is talk about an improving housing market, some begin to show concern that we may be headed toward another housing bubble that will be followed by a crash similar to the one we saw last decade.
Here are five data points that show the housing market will continue to recover, and that a new housing crisis is not about to take shape.
- Mortgage availability is increasing, but is nowhere near the levels we saw in 2004-2006.
- The Housing Affordability Index, which measures whether or not a typical family earns enough income to qualify for a mortgage loan on a typical home, based on the most recent price and income data. The current index shows that it is more affordable to buy a home today than at any other time between 1990 and 2008. With median incomes finally beginning to rise, houses should continue to remain affordable and housing demand should remain strong.
- Home prices are well within historic norms. Prices have increased substantially over the last several years; however, those increases followed the housing crash of 2008 and national prices are still not back to 2006 levels. If there were no bubble (and subsequent bust), today's prices would actually be lower than if they were measured by historic appreciation levels for 1987-1999.
- Demand for housing, as measured by new household formations, is growing. The Urban land Institute projects that 5.95 million new households will be formed over the next three years. Even if the homeownership rate drops to 60%, that would be over 3.5 million new homeowners entering the market.
2012 Compared to 2013
Market Activity
Greenville Pitt Association of Realtors
2012 Compared to 2013
2012 2013
Listing Price Average $143,750 $143,334
Selling Price Average $134,248 $136,815
List to Sell Percentage 94% 96%
Average Days of the Market 170 156
Summary – Average Sales price increased 1.5% from 2012 to 2013
The Average Sales price to list price in 2012 was 94%. This increased in 2013 to 96%.


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You are here : Home
Home Page
Welcome to Chippenham Rifle & Pistol Club CIC website. CR&PC is affiliated to the NSRA and the Wiltshire County Shooting Association. CR&PC has recently become a Community Interest Company (CIC) and a registered Community Amateur Sports Club: CASC
Under current Covid-19 guidelines from the Government and NRA and NSRA we have opened the Range for our current Members (only 6 shooters on the Range at any one time). To shoot at the Range, you will need to Book Online via https://crpc-range-booking.reservio.com/ The Booking System closes at 5:00pm for bookings for the next day. No booking: no entry.
At this present time, we are unable to offer Probationary Courses or Range Hires due to the social-distancing requirements. But if you would like to join the club or would like more information, please do not hesitate to Contact Us.
You can contact the Club by emailing: email@example.com or you can find us on our Facebook page "Chippenham Rifle and Pistol Club"
CRPC Privacy Policy - click on the tab on the left to view our "Privacy Policy"
Latest Open Shoot Results
Open Prize MeetingTuesday, 28 January 2020
We would like to thank all those who entered the Prone Match Rifle Open Prize Meeting on Sunday 12 January. We think the trickest conditions were navigating the car park and the mud; the shooting conditions were easier in comparison!
Congratulations to the 'winners' of competitions. We hope to see you return for the challenge again at our Open Shoot in May (details will be on the Club Events Calendar & Competiton Shoots page from March onwards).
We are delighted to announce that Eley has kindly agreed to sponsor the Prizes at the Prize Meeting in May (and the LSR Open Shoot in June).
In the meantime, the results for the January Open Shoot can be found on the file attachment below.
File Attachments ( 1 )


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LAHORE – After a disappointing performance in Twenty20 World Cup, Saeed Ajmal is ready to energise himself with some new balls and some British pounds.
Ajmal has been going to play county cricket for Worcestershire Country, which is going to play its third match to be played from April 27 to April 30.
Pakistan Cricket Board has declined earlier to give him NOC to play for the county as the national team is in process to set a schedule to play against Sri Lanka.
Ajmal, on the other hand, feels that playing at hard conditions of England, would enable him to play well at World Cup 2015 in Australia and New Zealand.
"I believe that my stint in England will help me prepare for the 50-over 2015 World Cup in Australia because both countries have pitches that are not spin-friendly," Ajmal told Express Tribune.


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Opinion : Is it the right time to start relaxing the lockdown?
The sun is shining, the weather is fine and the lockdown is soon to be eased back.
It seems that from Monday 1st June 2020 the lockdown is to be relaxed so groups of up to six people from different households will be able to meet outside in England.
Some schools will also soon be opening their doors again while all non-essential shops will be open for business again from Monday 15th June 2020.
However the virus is still floating around in the community, indeed the figures for confirmed cases published in the news section of this site still show daily rises in cases in the Aylesbury and Wycombe areas albeit a small increase each day.
So is now the right time to start ending the lockdown or is it too soon?
Well, articles published in some national news sites appear to convey the view from some experts that the return of the schools could lead to an increase in cases of the virus.
In my view surely it would be better to wait a little longer before lifting the lockdown in the hope of completely eradicating the virus? After all the last thing the country needs is a resurgence of the virus.
What's the point of re-opening schools for a month or so only for the long summer holidays to kick in? If school is so important why not keep the school open through the summer to catch up on the learning that has been lost?
But the big question is will people actually venture out once lockdown restrictions are lifted?
My good self has heard, by telephone, from a friend who tells me that despite a handful shops in Wycombe town centre being open there are very few people actually doing any shopping.
Once the lockdown is relaxed for the non-essential shops it will be interesting to see just how many people actually do venture out.
Those who can work from home are doing so and it seems there are very few passengers on the drastically reduced bus services that are running at the moment.
Judging by the revised bus timetables that come into effect in Wycombe from Monday 1st June 2020 there is not expected to be a great surge in bus travel. Indeed both the 32 and 33 main cross-town bus routes are only running two services an hour at off peak times and just one an hour on a Saturday.
In my opinion people may well stay locked down while letting the brave (or should that be foolhardy) venture out into the big wide world to meet friends, family and, from Monday 15th June 2020, visit non-essential shops.
As for my good self, well, yours truly is not going to be venturing out any time soon indeed the weather is fine and I am more than happy with life as it is fully locked down at my ancestral home.
However when the time comes to go out my good self will be very cautions. My eyes seem perfectly good but I may well go for a drive in my car to 'test my eyes' to make sure they are working properly before undertaking a long journey. My first journey will probably be to Desborough Castle as I can't make it as far as Barnard Castle in County Durham which seems the ideal place to go for such a journey.
My legs seem fine too but could they withstand a long walk after being locked down for so long? Perhaps a short walk to 'test my legs' may be wise as well?
What do you think?
My blogs are published regularly here on the WycombeToday.com website.
You can also follow me on Facebook at https://www.facebook.com/ivor.wycombe or on Twitter at https://twitter.com/Ivor_Wycombe.


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Hi-Line Athlete Profile: Savannah Dawson, Blue Pony Softball
Being on that field with her friends, that's what Havre High's Savannah Dawson misses right now
May 6, 2020
It has been some time since the spring sports season was canceled, with many athletes mourning the loss of the season that never came. This year, like always, would have seen many student-athlete's standout year in their respective sports.
But now, that will not happen.
Regardless, many athletes like Havre High softball senior Savannah Dawson have been pushing through and making the most of their last moments of high school. Not having a senior season hurts, but it has not kept Dawson down, as she is still working hard to make the Blue Ponies proud.
Dawson has been involved with the sp...
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jirRegistered User
Content Count13
Last visited
About jir
- Birthday 07/27/1956
Profile Information
Madrid, Spain
Cars Owned:
1986 Mercedes W126 560 SEL
1989 BMW E30 316i
1991 BMW E36 325i
2006 BMW E90 320i
2019 Toyota RAV4
Recent Profile Visitors
297 profile views
Thanks for all the advice. Then I am going to: Change the gearbox mounting. As old one was only 8 years and 10.000 km old, which supplier would you recommend? Turn crossmember upside down, or a bit of a grinder to shave off few mm as it is mounted. Jose I.
Roger. Mine is a TR4 built in October 63 and yes, it has the vibration damper, maybe fitted by previous owner. Graeme. At first I thought that maybe the crossmember was fitted upside down, but the original spare parts catalog shows the rear lip in the upright position
Exhaust bracket and crossmember
jir posted a topic in TR4/4A ForumWhile working on the exhaust, I realized that the bracket (P/N 130888) that holds the intermediate pipe hanging from the right hand of the gearbox mount is touching the crossmember. Nonetheless, no rattle or noise felt before. Distance between crossmember and top of overdrive case, where the bracket bolts is 1" Is it normal or the gearbox mounting is badly worn? As the gearbox tunnel is out maybe the best to do is change it. Any advice will be welcome Jose I
Sorry Chris for the late response, I have been out of town and doesn't see your post. Many thanks, but I just sourced the manifold from a friend of the TR Register Spain. Thanks again Jose I.
Hi I think I am late for this but, have you an exhaust high port manifold P/N 304164? Thanks Jose I.
Engine mounts
jir replied to peejay4A's topic in TR4/4A ForumMine have same engine mounts,no distorsion, and as Ade-Tr4 says my alloy rad sits lower than the thermostat housing, been misaligned and impossible to adjust due to interference rad/bonnet. Regards JIR
Hi Leonardo. I'm from Madrid, Pozuelo de Alarcon to be precise. ¿did you join the Spanish TR Register? http://www.trclub-spain.com/ To all members, sorry for this off topic message. JIR
Really nice pic. I was wondering why Alonso was in the focus when I saw the signature! Regards from a Spaniard who also owns a TR4 JIR
Temperature Senders
jir replied to Brian-Northampton's topic in TR4/4A ForumSlightly different but related problem. When I bought the car, 1963 TR4, it came with a non functional water temp gauge, so I changed it for a new one P/N BT2240-00C and a sender P/N GTR104. Since then gauge reads high, at normal between 90º and 140ºC (maybe 125?). I have not measured temp at the radiator top but surely is not above 90º. Kenlowe fan and Revotec temp controller fitted and voltage stabilizer also changed for a solid state one that gives 10V steady. Gauge and sender not compatible? My mistake because I bought them from different suppliers? Regards Jos
Wiper Motor
jir replied to jir's topic in TR4/4A ForumQuick test today gives the following results. Green +12V white earthed ----- No action. Green +12V brown earthed ----- No action. Green +12V white & brown BOTH earthed ----- motor running, don't know if fast or slow (but maybe is fast). Earthing the casing doesn't help And there is not self park switch as I see in many pictures and spares catalogs. Next step: Open the casing and diagnose armature, brushes, wiring... Regards Jose I.
Wiper Motor
jir posted a topic in TR4/4A ForumMy car, (63 TR4) has a wiper motor marked "DR3A 12V 75448B". It works as a single speed and no park function, but the wiper switch is two speed (Lucas original) and has also the two speed wiring loom. The motor case has three wires (green, white, brown) and only works if green is +12V and the others grounded both (?). The car has been converted to negative earth and alternator by a previous owner. Somewhere in the Net (The Triumph Experience - Triumphs List Archive) I found a thread about wiper motor DR3A as special option in the TR4. http://www.triumphexperience.com/archive/tr4_wiper_m


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Yes, We're Open!
Our office, inside the Lac Ste. Anne County Administration Building is now open! County and WCFA staff are taking precautions to limit the spread of COVID-19.
2019 Small Plot Trial Reports Available
Reports for our 2019 Small Plot Research Trials are now online! Click below to read the full reports.2019 Research Trial Reports
West-Central Forage Association
We've Moved!
We have relocated our offices to the Lac Ste. Anne County Administration Building near Sangudo. Our shop has been relocated to near Sangudo as well. We are no longer in our old building in Entwistle.
The office number for the Entwistle office is no longer in use. We will provide an updated office number as soon as we can. We can be reached on our cell phones for the time being:
Rachael: +1.780.542.0963
Jessica: +1.780.621.8670
Melissa H.: +1.780.542.1797
You have come to the virtual home of West-Central Forage Association. WCFA is a non-profit, membership based, producer driven, agricultural research and extension organization that serves forage and livestock producers in the West-central region of Alberta.
Since 1978, WCFA has served the needs of forage and livestock producers in the region by demonstrating new agricultural technology and production practices through extension activities, applied research & demonstration, and knowledge sharing. WCFA works with industry, government, producers and other stakeholders to serve the needs of producers in the region.
We encourage you to peruse through the website and check out the number of resources we have available. You will find information on a number of projects, research trials, demonstrations, programs and events that we are currently involved with, or have worked on previously. We encourage you to check back regularly and follow us on social media to stay up to date on all the exciting things we are working on. Be sure to check out our Publications page for additional industry resources, photos and videos, annual reports and the "Forage Views" newsletter.
WCFA employs three full-time staff members at the office near Sangudo, AB. As well, a volunteer board of directors ensures we are addressing the most prominent issues for local producers.
WCFA relies on financial support from a variety of partners in order to effectively serve producers in the region. Without the support we receive from these partners we would not be able to deliver programming to our members.
Questions? Ideas for projects & events? Interested in learning more about us? We encourage you to contact us. We would love to hear from you!
Upcoming Event
Due to the ongoing COVID-19 situation, all in-person events are currently postponed until further notice. We will be looking to provide virtual learning opportunities during this time. Check back with us soon to see what we have planned!> Read More
Featured Project
Beginning in 2018 WCFA has cooperated with the Canadian Hemp Trade Alliance and has evaluated a number of grain and dual-purpose type industrial hemp varieties for yield and quality.> Read More
Featured SACA
This initiative aims to bring awareness of riparian health, biodiversity, wildlife habitat, water quality, and shoreline health to landowners, producers and recreational users on or near Shiningbank Lake.> Read More
Members are entitled to discounted rates for extension events in addition to access to our rental equipment line-up and a subscription to "Forage Views"--a regular newsletter put out by WCFA.Membership Application


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idoxuridineNoun. A particular antiviral drug used to combat herpesvirus.
This is an unmodified, but possibly outdated, definition from Wiktionary and used here under the Creative Commons license. Wiktionary is a great resource. If you like it too, please donate to Wikimedia.
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Michael Kuberg
About Me
Hi, I'm a 30 year old guy and I work as a designer in the company BitGamblers. My name is Michael Kuberg. I liked to draw since childhood, and I studied at art school. Then I finished designer courses and I was hired by BitGamblers where I develop website designs and logos. BitGamblers
No trips yet so far, but coming soon perhaps?
Michael's Followers
Who Michael's Following
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City Use comma to separate multiple cities
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Trip Name Example: "Summer Vacation 09", "Romantic Getaway", or "Around the world trip"


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46th AMATYC Annual Conference
Virtual Vision for the Future!
Friday November 6 – hosted by Hawkes
Friday November 13 – hosted by McGraw-Hill
Friday November 20 – hosted by Wiley
Mark your calendars now, and watch this space for registration information.
Thanks to our Corporate Partners, the Virtual Conference will be free!
Conference Home
Conference Hotel Information
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After much dialogue and careful consideration, the AMATYC Board has decided not to hold the AMATYC Annual Conference this November. Although we won't get to enjoy Spokane this year, we are very excited to announce that the AMATYC Annual Conference will be held in Spokane in 2027. So remember to cancel your flights and hotel reservations for this year, but then put Spokane on your calendars for November 2027!
Although we believe that this decision in in the best interest of our members' health and wellbeing, we will definitely miss learning together, networking with new colleagues, and gathering with old friends. Fortunately, there are many ways for you to stay connected with the AMATYC community. We are hoping to plan virtual events for you to participate in this fall, but in the meantime take advantage of AMATYC webinars, view our new Teaching Tips videos, read and discuss the MathAMATYC Educator, participate in Committee and ANet activities, and especially join the conversations in the myAMATYC community.
Again, we are very sorry to inform you about this cancellation and we will miss seeing you in person this fall. However, we hope that your fall term goes well, and we look forward to connecting with you virtually. And before we know it, we'll be preparing to gather in Phoenix in October 2021!
Additional Questions and Answers
• What will happen with Project ACCCESS? Project ACCCESS will take a one-year sabbatical. ACCCESS activities that would have taken place in Spokane will now take place in Phoenix. Current cohort members should watch their emails for communications. Applicants to Cohort 17 will be receiving notification soon. There will be more space for participants in Cohort 17, and applications for Cohort 17 will be accepted through May 17, 2021.
• What will happen with Spokane presenters? All accepted presenters for Spokane should watch their emails for communication from the Conference Committee.
• What went into making this decision? We appreciated the input of AMATYC members who shared their concerns about holding the conference. In addition to the health and safety concerns, there were many contractual and financial issues to work through in the decision to cancel the conference. AMATYC leaders spent months monitoring the latest information, consulting with attorneys, and working through many details with the hotels and convention center in Spokane. We believe that our careful process resulted in the best possible financial outcome for the organization, while still making the right decision for our members.
Watch the AMATYC website for further developments about other AMATYC activities.
Conference Coordinator
Turi Suski
Outgoing Conference Coordinator
Keven Dockter
American Mathematical Association of Two-Year Colleges Headquarters, Southwest Tennessee Community College 5983 Macon Cove, Memphis, TN 38134 901.333.5643
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Comments about amatyc.org should be directed to the Website Coordinator:


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A 48-year-old woman and her 19-year-old daughter were physically assaulted and their heads were shaved as punishment in Bihar after they resisted a rape bid by a local ward councillor, Mohammed Khurshid, and his henchmen.
According to reports, a group of men had barged into their house in Vaishali district and attempted to rape the teenager. Their plans were thwarted when the girl's mother raised an alarm.
However, her efforts went in vain when the henchmen ended up physically assaulting both of them. They thrashed the two women with sticks, dragged them out of their home and held a panchayat. Khurshid allegedly called a barber and forced him to shave the women's head.
"Around 6.30 pm, half a dozen armed men forcibly entered my house and attempted to rape me. When my mother tried to save me, they started beating us," the teenager told the police.
The police have filed a case against Khurshid and his henchmen under sections 376 (rape) and 511 (attempting to commit offences punishable with imprisonment for life or other imprisonment) of the Indian Penal Code.


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Student Petition Information
Undergraduate Academic Requirements Request Guidelines
- Students are encouraged to consult with an advisor or department chair before submitting any petition/request(s) to Office of Undergraduate Education.
- Specific instructions for each request/petition are printed on each petition form.
- Students must make sure to read all instructions, attach all required materials, and obtain appropriate recommendations and approval before submitting request. Request/petitions will not be considered in it is not complete filled out, attachements and/or signatures are missing or information is untruthfull.
- Students are communicated via email and/or phone the final decision to approved/denied petition.
- An "appeal" may be made to the Office of Undergraduate Education (UE) if the request is denied by our office. Special appeals can be filled with the Ombudsperson when all other appeals have been exhausted.
- It then takes 5-8 business days for system to reflect approval.
The following categories are NOT considered for modification, waiver, or substitution:
- Changes made to academic records after graduation (student records become seal after graduation)
- Fewer than 120 semester units completed (not including repeats)
- Fewer than 40 semester units of upper division coursework
- Fewer than 30 semester units at SJSU for every degree (residence)
- Fewer than 48 units of GE
- Fewer than 9 units of SJSU Studies courses taken at SJSU (for students enrolling in Fall 1991 or later). Exceptions are made only if a student has completed all advanced GE courses while matriculated at another CSU campus.
- Fewer than 9 units upper division or residence GE (for students on prior to Fall 1991 requirements)
- More than 16 units of Grade Forgiveness.
- GE credit for SJSU, CSU, and California Community College courses not certified for GE or certified in different areas than SJSU
- Upper division credit for courses taken as lower division courses
- Graduating senior status as grounds for waiving requirements
The following requests may be approved directly on the Major Form by the major advisor. Do not submit a Petition.
- Fewer than total units required for degree (but at least 120UE)
- 100W taken outside of major department
- Excess supervised study units (180/184)
- ALL Students (including UD transfers) admitted Fall 15 and later must take PE unless their major is exempt (formerly known as a PE waiver).
- Departments may require specific courses or all courses in a major to individually have grades of "C or better", but cannot require a grad of higher than a "C" for any graduation requirements.


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Video Production Companies in Hesston, PA
Comprehensive list of Hesston, Pennsylvania based companies offering video production, editing and duplication services.
Business Listings
Impact Media would like to be your 1st choice in quality closed captioning and broadcast video editing. We would like to supply all of your closed captioning and open captioning requirements. Our goal is to assist you touch your world through video and broadcast television, by delivering closed-captioned television programs or movies for your ministry, non- profit organization, hunting and fishing
After 7 years in the production department in broadcast television, Reel Video Productions was set up in 1988. During these 19+ years, we've created award winning promotional, corporate training, TV commercial, public relations videos for several of the most successful corporations. We are a tiny firm with BIG ideas. We have expanded to include AV production services since the early 1990's.
Web Video Station, bringing national exposure to local markets through the innovative use of web videos. Renewable Energy Channel Web Video Station featuring renewable energy topics for home and business. PA Environmental Conservation Web videos and information about environmental conservation in Pennsylvania.
Our team specializes in helping your business succeed with video for: Advertising Online & Television Training & Education Legal Depositions Documentaries.
We specialize in high-end media production that effectively and visually tells your story through film and video. No matter the industry or the market, the award winning Blackbird production staff will work with you to evolve and produce creative solutions that hit the mark. And it's not just all talk.
JLS Creative Solutions is a complete-service advertising agency situated in State College, Pennsylvania and specializes in creative content for video, interactive, and print media. From concept to creation, we work closely with you to understand your unique aims objectives.
Pro Arts has been creatively serving our customers for over fourteen years. Our projects include both commercial and corporate objectives, local and nationwide. We have video and sound studios situated in Chambersburg,. The Internet has come to be a standard in presenting and communicating the message you have. Print, radio or television is no longer the only way you have to communicate to your clients.
Vintage Video is committed to the preservation and presentation of history through media production. We have been collecting and producing films since 1989 with an emphasis on historical films and documentaries. On-Line Catalog of Videos We produce and sell an exceptional collection of original documentaries and films covering many topics such as military vehicles, aircraft, armor, weapons, horse cavalry,


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Find Out How Much To Bet
Several punters might be so skilled to understand that there is value in betting on a particular sports betting market. They might be unsure, however, how much to bet to make a potential decent profit while protecting their betting budget. Managing your betting budget is one of the most important skills that you need to acquire if you want to be a successful punter. In this betting guide we will help you with this task.
Betting Budget Management And Betting Success
There are two main pillars of being a successful long term sports punter. The first one is to be able to recognise the value in a betting market while the second is to manage your betting budget correctly. Basically, you need to be able to optimise the identified betting value but also minimise the risk if something will go wrong. In this article, we will go through some of the most popular and effective strategies to manage your betting budget.
Betting Budget Management Strategies
As you can imagine, many different strategies can be applied to sports betting when it comes to managing betting budget. Let's go through the various aspects to have a better idea of what we are talking about.
What is your betting budget?
Your betting budget is the amount that you are willing to risk when betting on sport. We suggest you start with a budget that will allow you to bet in a way that can deliver consistent growth. You should begin with at least 50 units, but 100 would be better. The amount that you stake on every bet should be small, especially if your budget is not big. Starting slow and build up patiently is the best approach.
How much should I bet on each bet?
There are lots of different theories in this regards, and we will go through here some of those for your benefit.
A Constant Percentage Of Your Betting Budget
One betting strategy suggest to stake on every bet a constant percentage of your betting budget. This strategy virtually protects punters from losing the entire budget as the amount to bet every time will diminish if your budget allowed for betting will also drop. The problem, in this case, is that you are suggested to bet the same amount regardless of the odds.
Should you bet the same percentage of your budget on a 1.60 favourite as a 3.50 outsiders without looking at the different value? Surely not. The main problem with the Constant Percentage strategy is that even if it offers a way to manage your betting budget, fails in taking value into account. In a way, it only finds a way to manage the way you lose your budget.
Odds Have To Be Considered
Another method, which is similar to the one we have just seen, go a step further and take into account the odds that are offered for a particular wager.
For instance, if you bet 5% of £1,000 budget as a standard unit, this will be £50. If you are betting on odds of 2.00 the unit will stay £50 but if you are betting at odds of 11.00 then the unit will go down to £5. This is the formula:
(£1000 * 0.05) / (11.00 -1) = 5
This is surely a good way to determine the stake when betting on outsiders but what if we want to bet on short-priced favourites? Betting on a 1.05 favourite will mean you will have to wager the whole budget. We would never advise you to bet on anything close to a 1.05 favourite and even less the entire budget. This, however, shows the limitation of this strategy.
Betting Budget Management – The Kelly Criterion
The Kelly Method was invented in the mid-1950s, and even if it has its critics, it has stood until today. This strategy takes into account the probability of a team or player winning and the value of the odds that are offered by the bookmaker in relation to that probability. The value is called overlay.
The system suggests you bet more if the value is greater. The tricky part is that you have to assess the probability of events with consistency. As we have seen in a previous lesson, the value, which is also known as the overlay), can be calculated as:
Value = (% probability multiplied by decimal odds) minus 100%
Different Types Of Kelly
Over the years the Kelly method has been amended, and even if the basics remain the same, there are now some different versions. Let's take a look at what those are.
Betting Budget Management – The Full Kelly
Even if Full Kelly is very popular, there are some warnings to be made as it can suggest risky amounts to be staked. In some cases, it can suggest a bet as large as 50% of your budget. If things go wrong, you can lose the entire amount in a short time. On the other hand, if you get a winning streak, you can see your bankroll going into the sky.
This is the formula:
Percentage of bankroll to bet = overlay divided by (odds minus 1)
So if you have an overlay of 20% and odds that are 2.40 and a betting budget of £1,000 the Full Kelly strategy will suggest a bet of £143 which is 14.3% of the bankroll.
Betting Budget Management – The Fractional Kelly
This is a conservative amendment to the Full Kelly method. Basically, you only bet a certain fraction of the suggested bet. The 50% is known as the Half Kelly, the 25% is the Quarter Kelly and you can also do the percentage you will comfortable with. Although the winnings will be reduced depending on the Kelly method you go for, this tends to bring better results long term compared with the Full Kelly method.
Betting Budget Management – The Constant Kelly
This is the same as the Full Kelly method but instead than having a percentage of a varying amount it suggests a percentage of a constant. So for instance, instead of going 15% of a diminishing or improving budget, it recommends 15% of the same amount.
Many Bets At The Same Time
One of the limitations of any Kelly method is when you are betting on multiple events at the same time. Let's imagine there are four games you want to bet on. All of those are played at the same time. The recommended percentage can well go up to 135% of your budget, which is impossible. A way to go around this problem is to adjust the percentages proportionally so that the total is still a maximum of 100%. The issue would be that you are still betting all your budget on events happening at the same time, all of which could lose. To deal with this, you could use a fractional method so that regardless of the number of events you bet on the same day, the total will not burn 100% of your bank.
What changes do we suggest to Kelly's method?
We do suggest a 10% fractional Kelly method. This will allow you to safeguard your betting budge while diversifying and placing lots of bets on the different sporting events that are being played daily.
Let's say your betting budget is £5,000 and you are betting on a football team at odds of 2.60 with an implied probability of 50%, we will have an overlay of 30%. In our suggestion, the recommended stake amount would be determined as:
(bankroll * chosen fraction) * (overlay/(odds – 1))
i.e (£5000 * 10%) * (30% / 1.60)
(£500) * (18.75%) = £93.75
Give it a go
There are many betting budget management strategies out there. We do believe that the Fractional Kelly is the best out there as it rightly factors in the odds being offered, the probabilities implied in determining the betting amount. We suggest you have a go and figure out what set up is best for you. In doing so, make sure you don't risk your betting budget and avoid an early end of your sports punter career.


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"Ouch!" I started. My 21-year-old daughter Gwen's elbow caught me in the ribs. "OK! I'll read. Back to the 'Tao of Pooh.'"
One of my evening routines is reading aloud to Gwen. Of course, given the Zen of Gwen, reading her "the way of Pooh" gives me a double dose of wisdom I can't fully absorb. Most 21-year-old women don't enjoy their father reading to them, but Gwen's not most 21-year-old women. She has severe disabilities and doesn't read. Her stereotypy makes her movements a bit spastic, like Serge Kovaleski—the reporter our president-elect mocked and Meryl Streep cited in her Golden Globes speech.
Gwen and I love Meryl Streep, but we had slightly different opinions of her speech. For me, there are three things about Donald Trump I won't forget after Jan. 20: His documented "grab 'em by the pussy" comment. His documented "I could shoot somebody on Fifth Avenue and not lose votes" comment. And the incident in which he mocked Mr. Kovaleski. As much as these artless acts trouble me, I would have rather heard Meryl sing "It's the Last Midnight" from "Into the Woods" at the Golden Globes.
Gwen agreed with Meryl's choice to share her perspective on the president-elect's long record of public bullying. Apparently, Gwen and Meryl believe the First Amendment applies to artists as well as TIPs, or Twits in Power. (I think "Twit" should apply to persons in power that impulsively react defensively to insults by using Twitter. Gwen inspired "Twit in Power.")
Gwen and Meryl also seem to believe art is at its root a little subversive, and its role in the village is often principled resistance to TIPs. This helps explain why authoritarian/conservative and even friendly fascist regimes historically look to control art and the press or delegitimize journalists and artists. When they're not burning books, they're bashing the press and characterizing artists as "in a bubble" and "out of touch," kind of like the president-elect often does. Sometimes they simply fail to compete to keep film artists in their state—kind of like NC's former governor, Pat McCrory.
Why keep people around who threaten power?
Gwen and I are still a bit puzzled over why any president-elect would bother to respond to mock anyone or respond to anything said at the Golden Globes. Trump's translator-in-chief, Kellyanne Conway, may be on to something when she advises (whenever Americans are puzzled by what her charge actually says and does) we should ignore his actions and look beneath to see what's in his heart. One of the enduring lessons of Hundred Acre Wood is the truly powerful are known for their poise and what's usually in a bully's heart is fear. Fear may be the simple reason why an artless bully of a reality TV personality impulsively tweeted an attack to an actual artist.
Art isn't impulsive. Art is a path which requires courage, reason and a lot of time. For every overnight Justin Bieber, there are tens of thousands of artists that work crap jobs for next to nothing for years. Sometimes they serve our nation in the military—like Elvis, Jimi Hendrix and Adam Driver—only to be lumped in with "out-of-touch elites" when something one of them does catches fire for 15 minutes. Actual art is kind of like the opposite of impulsive fear-motivated bullying.
Even after spending hours at Pooh's Thinking Spot, Gwen and I still can't grasp one defense of Trump's mocking Serge, which was neatly summed up by a Facebook comment from one of my more fascist friends. (I have a few fascist friends; they'll come in handy in the next four years.) Anyway, she commented, "The liberal press and Meryl Streep got it wrong. Trump wasn't mocking the disability. He was mocking the person. He used the same gestures and voice to mock Ted Cruz."
My bad. Should Gwen feel relieved knowing our president-elect is an equal opportunity, non-discriminatory mocker-in-chief? Should any of us feel better?
"Ouch!" Once again, Gwen lovingly smacked me back into the moment. She wants to watch "Into the Woods."
"Agony!" I said.
If we move deep "Into the Woods" after January 20, we'll need to remember Pooh's Thinking Spot and all the lessons of Hundred Acre Wood to survive and thrive. And when disappointed, as part of comprehensive resistance, we'll need to do what Meryl Streep, Carrie Fisher and other artists have done for centuries:
"Take your broken heart, make it into art."


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Rapper who became known as a member of the label, FGE (Fly Guys Entertainment). He's featured on the compilation album No Surrender No Retreat.
He regularly started collaborating with rappers Montana and Talley of 300 in 2015.
He worked on Montana's album, Fire in the Church Tour which peaked at 95 on the Billboard 200.
He's known under monikers MobShitSavage and $avage.
He and No Fatigue both joined 300 as newcomers in 2015.