text:
Volume: 8
Table of Contents:
I. LYMENET: Researchers Present New Approaches to Persistent LD
II. LYMENET: NIH Offers Resistant Bacterial Infection and Chronic
Lyme Disease Grant
III. OPTHAMOLOGY: The expanding clinical spectrum of ocular lyme
IV. WIEN KLIN WOCHENSCHR: Lyme meningitis: a one-year follow up
controlled study.
V. HEMATOL ONCOL: Positive serology for Lyme disease borrelias in
primary cutaneous B-cell lymphoma: a study in 22 patients; is it
a fortuitous finding?
* The National Lyme Disease Network *
* http://www.LymeNet.org/ *
* LymeNet Newsletter *
Publishing Lyme disease information on the Internet since 1993
Volume 8 / Number 04 / 28-APR-2000
I. LYMENET: Researchers Present New Approaches to Persistent LD
II. LYMENET: NIH Offers Resistant Bacterial Infection and Chronic
Lyme Disease Grant
III. OPTHAMOLOGY: The expanding clinical spectrum of ocular lyme
IV. WIEN KLIN WOCHENSCHR: Lyme meningitis: a one-year follow up
controlled study.
V. HEMATOL ONCOL: Positive serology for Lyme disease borrelias in
primary cutaneous B-cell lymphoma: a study in 22 patients; is it
a fortuitous finding?
I. LYMENET: Researchers Present New Approaches to Persistent LD
Sender: The Lyme Disease Research Project <[email protected]>
Date: April 17, 2000
Editors's Note: The following is an excerpt from "Lyme in the
21st Century: New Multi-Disciplinary Management Approaches for
Late-Stage and Persistent Lyme Borreliosis Patients," originally
presented in the technical poster session at the Lyme Disease
Foundation's 12th International Scientific Conference on Lyme
Disease and Other Spirochetal & Tick-Borne Disorders, April 9 & 10,
1999, New York City.
Author(s) of excerpt: Courtney N. Ganz, MA, Independent Researcher,
Member of the Berkshire Brain Injury Support Group* in collaboration
with Sarah Rosenthal Ward, MS., C.C.C.\SLP, Massachusetts General
Hospital, Boston, MA and Center for Neurologic Recovery, Newton Center,
MA and Suzanne D.K. Doswell, Massachusetts Brain Injury Association
(Copyright © 1999. All rights reserved.)
Lyme borreliosis is a tick-borne transmitted infection, presenting at
times in patients, a wide spectrum of neurologic and non-neurologic
manifestations. When it reaches systemic stages, the clinical
diversity of Lyme disease [1] and the sometime vagueness of certain
complaints overlapping with everyday issues, make it difficult to
unfasten all of its troublesome components. [2]
Cognitive functioning and its identification when impaired is still a
relatively new field, and is little understood even among health
professionals. Specialists who typically have the most expertise, are
those who deal with traumatic or acquired brain injury patients, and
have developed protocols for testing, managing and addressing
cognitive-generated issues for those purposes.
Most physicians treating lyme disease, listen, and patients share, many
anecdotal accounts of "vague" complaints, generating interference with
their functioning and/or tasks of daily living. They are so numerous
and typical among patients, including children [3], in the later
stages, they are often reported as an unascertained, yet standard
characteristic of the illness.
As science searches to grasp the implications of the disease, newer
and more diagnostic testing and studies, aside from serology-based,
are being developed to chronicle the disease in other ways and
identify, and quantify, in particular, the anecdotal set of vague
daily-task oriented complaints. [4]
PET/SPECT scanning, specifically, has led the way to identifying and
classifying patterns in the cerebral blood flow typical for the
disease, and potentially targeting new means to pinpoint objectively
and scientifically the origin of these complaints. [5]
Neuropyschological testing is becoming more experienced in discerning
patterns, and saavier at ruling out differential diagnosis, as more
patients are evaluated and tested. [6]
Slowly, science is creating new mechanisms to study this disease not
only from a serology perspective for pathology purposes, but from an
objective stance of clinical documentation and quantification of
symptoms. [7]
We are on a new frontier for lyme disease research. We now have some
minimal tools to identify the vague, side components of late-stage
and/or persistent disease, but what do we do with this data? What
means can we address these issues for patients?
How can physicians be perceptive enough to know in a patient, what all
the psycho-social-emotional issues mean and translate into, and be
able to interpret it for them? [6] What is our next direction, aside
from attempting to understand the microbiology of the disease process
"Lyme in the 21st Century: New Multi-Disciplinary Management
Approaches for Late-State and Persistent Lyme Borreliosis Patients,"
hopes to alert researchers to recognize and investigate new areas of
study, and to better identify, address, and ultimately optimize the
functional capacity of the patient whether during, in-between, or
after treatment. Recommendations should not preclude, or supersede
treatment, and are for the purposes of enhancement only, in the
interest for overall improved patient well-being.
The use of standard protocols for another patient population, such as
traumatic or acquired brain injury victims can not only yield
fascinating comparison symptomatology, but offer modalities to
address, and perhaps, finally put a name, and acknowledgement to what
lyme patients complain of, but can't quite communicate.
This research is in its infancy, and hopes for a more formal study
through this proposal summary is high. The rich potential application
to lyme patients can be rewarding.
And, once patients' neurocognitive symptoms begin to be legitimized
and addressed, coping with lyme disease, not identified in time, may be
just one step easier to bear, until recovery.
[Please contact the author(s) for permission to include this material
in publication form, or research.]
Text Boxes of the Poster and other Resource Material are available
through writing the Lyme Disease Research Project c/o United Cerebral
Palsy Association of Berkshire County, 141 North St., Pittsfield, MA,
01201 for a postage and handling fee. Write to: [email protected]
for more information.
An Extensive Bibliography of References on Neurocognitive Impairments
in Lyme Borreliosis Patients and Related References is being compiled
and will shortly be available upon request.
* The Author would like to acknowledge and thank the following people
for their tutelage, input, and support of her research: Dr. Brian
Fallon for the privilege of reviewing his research on the
neuropsychiatric manifestations of lyme disease with the author in the
fall of 1995, Center for Rehabilitation, Berkshire Medical Center,
Pittsfield, MA where the initial research was formulated and
conducted, Dr. David Corwin for editorial feedback, Dr. Sam Donta, and
Dr. Leo Shea III, whom the author met after this writing at the
conference; Suzanne and Bill Doswell, Sarah R. Ward, the
Massachusetts Brain Injury Association and Dr. Joan Gold for
information on acquired and traumatic brain injury, J.P. for technical
assistance, Christine DiMaggio for her administrative and financial
coordination, the Lyme Disease Foundation, and others who are not named
but were undoubtedly so very helpful, and supportive of this research,
technical poster and presentation. Partial funding was provided by
United Cerebral Palsy Association of Berkshire County, and
contributions by private donors.
Lastly, the author must include an acknowledgement and thanks to those
who were helpful and instructive in the past, but could not go the
distance to see the possibilities of the author's progressive work and
were sadly resistant to the research concepts and findings. It has to
be expected with any new venture, which challenges established
standards. May these people find, one day, that the new tools offered
through this project will be helpful to them, their support group
members, or their patients and open up avenues of understandings and
opportunities previously not available to Lyme Disease sufferers and
their families.
1] Bingham, Galetta, Athreya and Sladsky, Neurologic Manifestations in
Children with Lyme Disease. Pediatrics 1995 Dec, v96, n6, p1053(4).
2] such as in this example: Stephens PJ, Carpenter FE, Cases From The
Aerospace Medicine Residents' Teaching File. Case #42. An Aviator with
Concentration Deficit, Lyme Disease Organic Diagnostic Evaluation, and
a Somatoform Disorder (Clinical Conference). Aviat Space Environ Med
1991 Apr; 62(4): 363-5.
3] Bloom BJ, Wyckoff PM, Meissner HC, Steere AC, Neurocognitive
Abnormalities In Children after Classic Manifestations of Lyme Disease.
Pediatr Infect Dis J 1998 Mar; 17(3):189-96.
4] see: Shadick NA, Phillips CB, Logigian EL, Steere AC, Kaplan RF,
Berardi VP, Duray PH, Larson MG, Wright EA, Ginsburg KS, et al,
The Long-Term Clinical Outcomes of Lyme Disease. A Population-Based
Retrospective Cohort Study. Ann Intern Med, 1994 Oct 15; 121 (8):
560-7; Benke T, Gasse T, Hittmair-Delazer M, Shmutzhard E, Lyme
Encephalopathy: Long-Term Neuropsychological Deficits Years After
Acute Neuroborreliosis. Acta Neurol Scand 1995 May; 91(5):353-7;
Guadino EA, Coyle PK, Krupp LB, Post-Lyme Syndrome and Chronic Fatigue
Syndrome: Neuropsychiatric Similarities and Differences. Arch Neurol
1997 Nov; 54 (11): 1372-6.
5] Fallon BA, Keilp J, Prohovnik I, Mann J, Lyme Disease vs.
Depression vs. Somatization: Cognitive Tests & Functional Imaging.
9th Annual International Scientific Conference on Lyme Disease &
Other Tick-Borne Disorders, Boston, April 1996; Fallon BA, Das S,
Plutchok JJ, Tager F, Liegner K, and Heertum R, Functional Brain
Imaging and Neuropsychological Testing in Lyme Disease. Clin Infect
Dis 1997 Jul; 25 Suppl 1:S57-63; Logigian EL, Johnson, Kijewski,
Kaplan RF, Holman, Steere AC, Cerebral Hypoperfusion in Lyme
Encephalopathy: A Quantitative SPECT study. Program and Abstracts of
the 6th International Congress on Lyme Borreliosis, Bologna, Italy,
1994, etc.
6] ibid.
7] Some of the new research on the electrophysiology (the study of
neuron activity) processes at work include: Halperin JJ, Heys MP,
Neuroactive Kynurenines in Lyme Borreliosis.Neurology 1992 Jan;
42(1)43-50; Benach JL, Subtle Injury to Transformed Neural Cell
Lines by Bb. Presented at the 10th Annual International Scientific
Conference on Lyme Disease and Other Tick-Borne Disorders, NIH,
Bethesda, MD, April 28-30, 1997.
II. LYMENET: NIH Offers Resistant Bacterial Infection and Chronic
Lyme Disease Grant
Contact: Dawn Caracci, NIH Contract Specialist <[email protected]>
Due: July 28, 2000
The Division of Microbiology and Infectious Diseases (DMID), National
Institute of Allergy and Infectious Diseases (NIAID), National
Institutes of Health (NIH), has a requirement to support multicenter
clinical studies of interventions for serious fungal and healthcare-
associated resistant bacterial infections and chronic Lyme disease.
The Bacteriology and Mycology Biostatistical and Operations Unit
(BAMBU) is being created as a biostatistical and operations
coordinating unit to support present and future clinical studies
sponsored by the Bacteriology and Mycology Branch, DMID, NIAID, NIH.
Key aspects of the effort will be to provide:
1) statistical leadership, 2) data management and system development,
3) clinical trial operations and support, 4) regulatory support,
5) clinical site monitoring, and 6) data analysis and reporting for the
Bacteriology and Mycology Study Group (BAMSG) and the Clinical Studies
of Chronic Lyme Disease.
THIS IS A 100% SMALL BUSINESS SET-ASIDE, Standard Industrial
Classification (SIC) Code 7379 with a size standard of $18.0 million.
Offerors responding to this RFP should also refer to the RFP for the
BAMSG (RFP NIH-NIAID-DMID-01-11), a solicitation for proposals to
establish a clinical studies collaborative group to conduct clinical
studies of serious fungal and healthcare-associated resistant bacterial
infections. These RFPs are being released simultaneously. It is
anticipated that one (1) cost-reimbursement, completion type contract
will be awarded for a period of five (5) years, beginning approximately
March 1, 2001. RFP NIH-NIAID-DMID-01-10 will be available
electronically on or about April 24, 2000, and may be accessed through
the NIAID Contract Management Branch (CMB) Home Page by using the
following electronic address and instructions: NIAID/CMB Home Page
(via the WWW):
Use http://www.niaid.nih.gov/contract to access the NIAID/CMB Home
Page. Once at the NIAID/CMB Home Page, click on the "RFPs" link and
then click on "RFP NIH-NIAID-DMID-01-10." Please note that the RFP for
this acquisition has been revised to include only the Statement of
Work, Deliverable and Reporting Requirements, if any, the Technical
Evaluation Criteria, and the Specific RFP Instructions and Provisions.
All information required for the submission of an offer will be
contained in the electronic RFP package. Following proposal submission
and the initial review process, Offerors comprising the competitive
range may be requested to provide additional documentation to the
Contracting Officer. Responses to this RFP will be due on or about
July 28, 2000. All responsible SMALL BUSINESSES may submit a proposal,
which will be considered by the Government. This advertisement does not
commit the Government to award a contract.
III. OPTHAMOLOGY: The expanding clinical spectrum of ocular lyme
AUTHORS: Mikkila HO, Seppala IJ, Viljanen MK, Peltomaa MP, Karma A
ORGANIZATION: Department of Ophthalmology, Helsinki University Central
Hospital, Finland.
REFERENCE: Ophthalmology 2000 Mar;107(3):581-7
OBJECTIVE: To delineate the clinical manifestations of ocular Lyme
borreliosis, while concentrating on new symptoms and findings and the
phase of appearance of ophthalmologic disorders.
DESIGN: Observational case series.
PARTICIPANTS: Ten patients with Lyme borreliosis-associated
ophthalmologic findings previously reported from the Helsinki
University Central Hospital in addition to 10 new cases that have
since been diagnosed.
INTERVENTION/TESTING: The patients underwent medical and ophthalmologic
evaluation. The diagnosis of Lyme borreliosis was based on medical
history, clinical ocular and systemic findings, determinations of
antibodies to Borrelia burgdorferi by enzyme-linked immunosorbent
assay and immunoblot analysis, the detection of DNA of B. burgdorferi
by polymerase chain reaction, and exclusion of other infectious and
inflammatory causes.
MAIN OUTCOME MEASURES: Ocular complaints, presenting ophthalmologic
findings, and the stage of Lyme borreliosis were recorded.
RESULTS: Four patients presented with a neuro-ophthalmologic disorder,
five had external ocular inflammation, 10 patients had uveitis, and
one had branch retinal vein occlusion. One patient developed
episcleritis and one patient developed abducens palsy within 2 months
of the infection incident. In the remaining 14 patients in whom the
time of infection was traced, the ocular manifestations appeared in
the late stage of Lyme borreliosis. Two patients with a neuro-
ophthalmologic disorder and one with external ocular inflammation
experienced severe photophobia, whereas the main reported symptom of
the patients with uveitis was decreased visual acuity. Four patients
with external ocular disease and one with a neuro-ophthalmologic
disorder experienced severe periodic ocular or facial pain. Retinal
vasculitis developed in seven patients with uveitis.
CONCLUSIONS: Lyme borreliosis can cause a variety of ocular
manifestations, which develop mainly in the late stage of the disease.
Photophobia and severe periodic ocular pain can be characteristic
symptoms of Lyme borreliosis. In the differential diagnosis of retinal
vasculitis, Lyme borreliosis should be taken into account, especially
in endemic areas.
IV. WIEN KLIN WOCHENSCHR: Lyme meningitis: a one-year follow up
controlled study.
AUTHORS: Cimperman J, Maraspin V, Lotric-Furlan S, Ruzic-Sabljic E,
Strle F
ORGANIZATION: Department of Infectious Diseases, University Medical
Centre, Ljubljana, Slovenia.
REFERENCE: Wien Klin Wochenschr 1999 Dec 10;111(22-23):961-3
Thirty-six patients with Lyme meningitis diagnosed at the Department
of Infectious Diseases, University Medical Centre, Ljubljana in 1993
and 1994 were enrolled in a prospective study. All patients had
lymphocytic meningitis, negative serum IgM antibody titres to
tick-borne encephalitis virus and met at least one of the following
four criteria: i) isolation of Borrelia burgdorferi sensu lato from
cerebrospinal fluid (2 patients), ii) intrathecal borrelial antibody
production (22 patients) iii) seroconversion to borrelial antigens
(3 patients) and/or iv) erythema migrans in the period of four months
prior to the onset of neurological involvement (21 patients). All
patients underwent antibiotic treatment and were followed up for one
year. The results of our study revealed that Lyme meningitis frequently
occurs without meningeal signs and is often accompanied by additional
neurological and/or other manifestations of Lyme borreliosis. During
the first year after antibiotic treatment, minor and major
manifestations of Lyme borreliosis persisted or occurred for the
first time in several patients. They were not infrequent even at the
examination performed one year after therapy.
V. HEMATOL ONCOL: Positive serology for Lyme disease borrelias in
primary cutaneous B-cell lymphoma: a study in 22 patients; is it
a fortuitous finding?
AUTHORS: Jelic S, Filipovic-Ljeskovic I
ORGANIZATION: Institut za Onkologiju i Radiologiju Srbije, Belgrade,
REFERENCE: Hematol Oncol 1999 Sep;17(3):107-16
BACKGROUND: The historical association of acrodermatitis chronica
atrophicans (ACA), now known to be a late manifestation of Lyme disease
caused by Borrelia afzelii, with cutaneous lymphoma, and several small
series of PCBCL with positive Lyme disease borrelial serology
initiated a study of this association. Material and methods In the
last 9 years, 30 patients with PCBCL have been observed and followed,
22 of them were tested for borrelial serology. The control group
consisted of 85 patients with NHL (10 cutaneous T-cell, 25 extranodal
B-cell non-PCBCL, 50 nodal B-cell), 30 patients with breast cancer
and 60 blood donors. The screening tests were two different ELISA
tests for B. burgdorferi sensu lato and sensu stricto, and reactive
sera were further tested with the ELISA test for B. garinii, a
Western blot (WB) test for Swiss Borrelia strains and a WB test for
Bavarian Borrelia strains, since an immunoblot made with local
strains was not available. Studies with a differential WB test for B.
burgdorferi sensu stricto, B. garinii and B. afzelii was performed
afterwards, as well as serological studies ruling out cross-reactions
with Leptospiras and Treponema.
RESULTS: Fifteen of 22 patients with PCBCL were positive on the
screening tests, three of them falsely. Thus, the incidence of
positive borrelial serology was 12/22 (55 per cent) in the PCBCL group.
No positives were detected in the cutaneous T-cell lymphoma group;
2/25 patients (8 per cent) were positive in the extranodal B-cell NHL
group (the localizations being vestibulum nasi and oral cavity),
2/50 (4 per cent) were positive in the nodal B-cell NHL group, 2/30
(7 per cent) in the breast cancer group and 2/60 (3 per cent) in the
blood donor group. The cumulative incidence in the control groups was
8/175 (4,6 per cent). The incidence was significantly higher in
PCBCL patients as compared to each of the control groups, p value
ranging from 0.004 to <0.0001. Two positive patients had ACA, one
arthritis. Borrelia afzelii was most often implied for positive
serology in the differential WB. No cross-reactions with Treponema
and the Leptospiras were documented.
CONCLUSION: In conclusion there appears to be a clustering of positive
serology for Lyme disease Borrelias in PCBCL patients possibly related
to an ethiopathogenic relationship. Mechanisms of Borrelia escape from
immunosurveillance mechanisms, persistence of both their mitogenic
and antigenic stimuli for B-cells, and SALT formation may be involved
in the pathogenesis of a subset of PCBCL.
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text:
Dear employers, please value 'camp counsellor' on a resumeWednesday, Feb 6, 2019
Whenever I send out a resume, I am skeptical about what the words "overnight camp counsellor" might mean to the person reading it. What do people who have not gone to summer camp think my five summers as a counsellor communicate about me? Do they find it silly I even included it?

subset: commoncrawl


text:
On October 24, the Math Team competed in the DUSO (Dutchess, Ulster, Sullivan, and Orange counties) competition for our Section. They faced against Pawling High School, Poughkeepsie High School, and Spackenkill High school with almost 70 students competing.
Team A consisting of Raymond Aye, Theo DeGuzman, Yungie Gong, Amanda Romero, and Albert Zhu started the year off with a bang and placed first. The team was only one point ahead after the individual questions round. But then during the final round, they secured the win by four points after they were the only team to correctly answer the relay question.
Team B consisting of Alex Giangrasso, Darren Horton, David McGrath, Kyle Shi, and Brian Zhu also performed admirably placing sixth.
Some highlights of the competition are Yungie Gong and Albert Zhu were two of only eight students to correctly answer five out of six questions during the competition. This was the highest individual score as no students scored points with the challenging sixth question. In addition, Raymond Aye, Theo DeGuzman, and Brian Zhu were three of the 15 students to score four out of six points during the competition. Lastly, David McGrath and Brian Zhu made their math team debut and greatly contributed to their teams' success.
On December 5th Our Lady of Lourdes will host their third competition here at Lourdes.


text:
The undergraduate degree program in chemistry is accredited by the American Chemical Society Committee on Professional Training. It prepares the student for career opportunities in the chemical or related industries, or in government laboratories. The program also prepares students for further study at the graduate level in chemistry or in a related area such as pharmacology or toxicology. With an appropriate choice of electives it also constitutes excellent preparation for the professional schools of dentistry, medicine, and veterinary medicine.
Degree Requirements
Degree requirements may change from year to year. To insure that you are receiving accurate information, please choose your appropriate catalog year, then look up your degree requirements. Our program also offers a Chemistry Minor, which is a 28 credit-hour program that exposes students to a range of sub-disciplines, including Organic, Forensic, and Physical Chemistry.Chemistry B.S. Chemistry B.S. – Biochemistry Chemistry Minor View Catalog
Student Highlights
The Department of Chemistry has a multifaceted mission that includes providing the best education possible for our students, contributing significantly to tomorrow's knowledge through research, and being of service to our discipline, university, community, state and nation. Chemistry is the central science and has a strong relationship with other departments and institutes. Central to our efforts to provide the best possible education for our students is the maintenance of a contemporary and sound curriculum, using guidelines provided by the American Chemical Society. Since chemistry is a laboratory science, special attention is given to the laboratory component of our curriculum. Our research efforts involves faculty, undergraduate and graduate students, and are significant teaching components. Solving research problems give students more experience in critical thinking and problem solving than any other component of their education–empowering students with capabilities which will make them better contributors to their employers and society.Undergraduate Research Undergraduate Publications
Tutoring Center
The Chemistry Department offers free tutoring to all University of Central Florida students taking: CHS1440, CHM1032, CHM2045, CHM2045H, CHM2046, CHM 2210 and CHM 2211.
The sessions are led by our Graduate Teaching Assistants.
Located: Chemistry Building Room 321.
Chemistry Tutoring Center is closed during the Summer semester.
Placement Exam
Students who require a higher-level Chemistry course in ANY year of study, without having ever taken CHM 2045C before, are required to take the Chemistry Placement exam. You are allowed only one hour to complete this exam. You are not eligible to take this placement exam more than once.
Students interested in majors that require CHM 2045C MUST take this exam. For majors that require only CHS 1440C, the placement exam is not required. CHS 1440C will not satisfy the pre-requisite for CHM 2046.Majors that Require Chemistry
To request access to this exam, send an e-mail to the Chemistry Department with your full name and NID in the body of the email using your Knights E-mail account. You will receive a login, password, and instructions on how to complete the exam within several days.
If you have questions concerning the Chemistry Placement exam, please read the automated email you will receive upon registration, before contacting the Chemistry Department. For technical difficulties with the exam, please contact the Chemistry Department.More Information
The College of Sciences Academic Services ("COSAS") is the primary office charged with providing academic assistance to undergraduate students within the College of Sciences. They help students with matters concerning college and university requirements, policies, and procedures. Students use their services primarily by walk-in, or by appointment for advising and special problems.More Information
Departmental Advisor
Every student has a major departmental advising office available to assist them with specific concerns in relation to their degree. The departmental advisor is typically a faculty member or administrator that works specifically with your major and is an expert in your field of study. Departmental advisor availability varies from major to major, so please contact your program directly for additional information. You can visit your Departmental Advisor for:
- Major Specific Questions
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Chemistry Undergraduate Coordinator
Office Hours are by appointment only.
Pedro Patino
Chemistry Undergraduate Coordinator


text:
Displaying items by tag: maliki
Ar-Risalah al-Qayrawani (Arabic) متن الرساله القيرواني
Author: Abdullah ibn Abi Zayd al-Qayrawani
Language: Arabic (العربية)
A partial translation of five of Sayyid Sabiq's popular summaries of Islamic law according to the four main schools. Covers: purification and prayer; supererogatory prayer; zakaat and fasting; funerals and dhikr; hajj and umrah.
Author: Sayyid Sabiq
Al-Izziyyah For The English Audience
Al-Izziyyah For The English Audience
المقدمة العزية
Translation with Notes by Y.A. Quadri and I.O. Oloyede
Published: October 1990
The Risala: A Treatise on Maliki Fiqh
Translated by: Alhaj Bello Mohammad Daura, MA (London)
Abu Muhammad 'Abdullah, a Maliki faqih known as "Shaykh al-Faqih" and "little Malik". He was the head of the Maliki school in Qayrawan. He wrote ar-Risala and an-Nawadir and several other books.
The Guiding Helper: Main Text and Explanatory Notes
The Guiding Helper is a practical guide to the dīn that the Prophet Muhammad (May Allah bless him and give him peace) brought.
The Foundations of Islam
The Foundations of Islam
According to the Ahl al-Madinah
Author: Hazrat Allama Qadi Iyad Maliki rahmatullah alaih
Language: English
Pages: 144
Foundations of Islam - Qadhi Iyadh
Ash-Shifa Sharif
Ash-Shifa Sharif
Language: Urdu (اردو), Arabic (العربية), English
Author: Hazrat Allama Qadi Iyaz Maliki (rahmatullah alaih)
Complete Book Name: Ash-Shifa Bi Tareef Huqooq Al-Mustafa (s.a.w)
A great traditional book by Qadi Iyaz describing the merits, virtues and character of the Holy Prophet (s.a.w)
Download Ash-Shifa in Urdu (51 MB)
Pages: 664
Format: PDF (scanned)


text:
Find Any File (FAF)
Key Features
- Convenient folder and icon views for results
- Can search in other users' home folders ("root" mode)
- Queries can be saved for easy re-use
- Can be launched with a self defined keyboard shortcut
- Localized in the following languages: English, German, French, Italian, Spanish, Portuguese. More languages are available (but may be incomplete) - please inquire.
Older Versions
Find Any File is Shareware
You may try it out without buying first. Simply download it.
If you keep using it you are expected to pay for it, though.
New in version 2.1.1:
- Icons in Preview Grid should look correct again.
- Does not remove Volumes from Login Items any more.
New in version 2.1:
- Includes Spotlight for even faster results.
- Many bug fixes.
New in version 2.0:
- FAF is now a 64 bit app.
- Shows results as soon as they're found.
- Can search by Kind (Images, Audio, etc.).
- Can search with regular expressions.
New in version 1.9.4:
- Compatible with version 2 in regards to preferences and .faf files.
- Several bug fixes.
Purchasing Find Any File
Here you can purchase licenses that are meant to be used either as a "single user" (for accounts on any computers you and your family uses) or "single computer" (for professional use in a company where multiple users may use the same computer).
Find Any File costs US $6 if you pay via Paypal or FastSpring (or $8 in the App Store).
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- The App Store version is slightly more expensive, with the extra money going to waste (i.e. Apple keeps 30% of the sale while the others take 10% or less).
- If you value Find Any File so much that you like to give me more than the minimum amount, you can do so when you pay via FastSpring or Paypal. (Many do, and it always lights up my day!)
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Most important methods used by salesmen to meet objections are listed below:
1. Direct Denial or Contradiction
2. Indirect Denial
3. Reverse Position
4. Reverse English or Boomerang
5. Superior Point or compensation
6. Question or Interrogation, and
7. Pass-up Methods.
(1) Direct Denial or Contradiction Method:
As the name implies, this method consists in telling the customer directly that he is wrong. Generally this is not a tactful one and should be avoided because it is likely to offend most prospect and particularly those who are extremely sensitive and fond of their own opinion.
Only a broadminded prospect may admire the salesman's courage. This method is only successful when used by skilled salesman. In some cases however it is quite appropriate.
For example, if the customer asks a direct question as to whether the material shown is likely to fade, it can be denied directly by stating that the material would not fade and that it has been proved by tests that the colour is a fast one.
(2) Indirect Denial Method :
This method is the one most widely used by salesmen because it is the least likely to give offence to the prospect. It suits more situations and more types of prospect than any of the other methods, as people generally do not like to be contradicted. Just like the boxer who rolls with the opponent's blow to lessen its impact the salesman must give ground slightly before delivering his denial or contradiction.
In this method, the salesman agrees with the prospect only to differ subsequently looking at the position from a different angle. This method is also sometimes described as the "Yes, but" method.
For example, the salesman may say "I agree with you Mr. Prospect. What you say is true under many conditions but in this case…" This method therefore really amounts to denying tactfully without giving offence.
(3) Reverse Position Method :
Sometimes the salesman may find it more effective to ask the prospect to explain in greater detail his particular objection instead of answering it himself.
The objects of using this method is that very often the customer whilst explaining his objection would explain it away and realise its flimsiness. For example, if the prospect were to say "I don't think this material would wash well", the salesman may reverse the position saying:
"You seem to know so much about wash ability and I am really interested to know more on this subject. Would you please give me reasons in detail as to why you are of this opinion?"
Effectiveness in this method depends on the sincerity with which the salesman makes his statement and also the eagerness he shows to learn reasons behind the prospect's statement.
(4) Reverse English or Boomerang Method :
This method is also termed the Boomerang Method because it consists in throwing back to the prospect his objection in the form of a reason why he should buy the article.
Thus the objection is converted into a reason in favour of the purchase. This method is also known as the Translation Method because it translates the objection into a reason in favour of the purchase. For
Example, when a prospect raises an objection, the reply may be "That is exactly the reason why I believe you need this article".
For example, if the salesman is selling goods to retailers which are well advertised and the retailer says "Your firm spends so much on advertising. If this expenses were cut down and you were to give us a wider margin of profit, I might take up your goods", the salesman can use the Boomerang method by saying-
"Mr. Retailer, it is advertising that makes it easier for you to sell our goods. Customers who approach you are already convinced and sold by the advertisement. It is our advertising that brings them into your store".
From here he can carry on his sales talk emphasising the advantages of small profits and quick returns.
Another illustration of this would be where the salesman is selling office appliances and the prospect says" I am too busy. I haven't got time to talk with you". The salesman may turn this objection fact fully by saying-
"It is because you are a busy man that I am anxious to speak to you. Busy men know the value of time and are willing to learn how to save time I have here with me a special time saver…."
After commencing in this way he can carry on with the advantages of installing the office appliance in that particular office pointing out how it would save time as well as expense.
This is no doubt an effective method of meeting objections but requires an accurate knowledge of the goods and their selling points. Great care must be taken when using this method to avoid creating the impression in the prospect's mind that his objection is a very flimsy one and is of no consequence.
The salesman's manner must be sincere and friendly, as otherwise he is likely to give the prospect the impression that he has thrust out his chin wide open for a knock-out blow. It is for this reason that this method is effective only in the hands of skilled salesman.
(5) Superior Point or Compensation Method:
This method is similar to the indirect method explained above except that here the salesman admits the validity of the objectify but offsets the objection by a superior point of greater advantage. Thus, in this method, he, points out an advantage which is supposed to compensate for the objection.
For example, if he is selling shirts and the prospect says, "This cloth does not seem to be of the best quality", by using this method he would say-
"You are quite right, Sir. This cloth is not of the best or highest grade. If it had been, the price would have been considerably higher".
Thus the lower price compensates the lower quality. In this method he is not really disposing off the objection but merely distracting the prospect's attention from the objection to the advantage compensating it. In this way he minimises the importance of a reasonable objection raised by his prospect.
(6) Question or Interrogation Method:
This method consists in asking the customer a question or questions tactfully so that the objections may be answered away by the prospect himself. This method is similar to the Reverse Position method already explained. Supposing the prospect says, "Your Company is too small for me to handle your goods" the salesman may use this method by saying-
(7) Pass-up Method:
Some salesman tries to pass off most objections. Although this is objectionable as previously mentioned, if the prospect has made a flimsy objection this method can be justifiably used.
To sum up, the Direct Denial or Contradiction Method is used where the objection is false either through the prospect's dishonesty or ignorance. The Indirect Denial method is the one most widely used as it removes the objection most inoffensively.
Where the objection is reasonable or true, the Compensation Method should be used. The Boomerang or Translation Method must be used very sparingly. The pass-up Method should be avoided except where the objection is too trivial to deserve an answer because this method does not really answer the objection.


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Ever since I was twelve years old I have had not only a desire, but a need to call on my Heavenly Father in prayer. There were many points of the gospel that I didn't understand – many things that I was experiencing that didn't seem to fit – and even more things I needed to resolve, specifically in regards to homosexuality. Because of this, I had a heavy reliance on prayer and on my personal relationship with God.
While serving a mission, I remember having an experience where a companion asked me something along the line of "You always get answers to your prayers, don't you?" I responded, "Of course. Don't you?"
His response was odd, "Well, I know the Lord answers prayers, but there are many times when I feel I don't get an answer."
In my time since, I have realized that this is a rather common problem for members of the church (in fact, ANY church). The more I thought about it, the more I realized that there were some prayers that seemed like I wasn't getting answers, but usually the answer was that I was asking the wrong question.
So in an effort to help my companion, I scoured the scriptures in hopes of discovering my pattern, the method I used to find answers to prayers. It wasn't long before I identified with the brother of Jared in Ether, chapters 2 and 3 of the Book of Mormon– so, if any of you would like to look at a few chapters with me with the goal of getting answers to prayers in mind, I would love to share what has worked for me.
Let's start in Ether chapter 2. Here, as we know, is where the brother of Jared is commanded to build the barges. The first thing we need to know is that he went and built the barges. I think that is the first step to getting answers to our prayers – we have to have proved to the Lord that we will follow what he tells us when we do get an answer. If the Lord doesn't think we will do what he says, why would he tell us what to do?
I have a mission experience to illustrate this point. One day my companion and I both received a heavy impression to knock every door of a certain apartment complex. After four hours of straight tracting, missing dinner to do so, and not teaching a single discussion, we were about to leave. We got the prompting again, to knock the doors again. So, we bothered many people twice, and got a few more doors answered from people who weren't home the first time. Still, not a single teaching appointment. After our second time through the apartment, and almost 6 hours of tracting this ONE apartment complex, we resolved that we were to leave.
On our way home, I asked my companion, "Hey, I'm upset by this. Why would we feel like knocking those doors was so important, only to have no success?"
My companion at the time, who is much wiser than I, answered, "Because the Lord wanted to make sure we were listening, and would obey. These last 6 hours would probably have been a waste anyway, so the Lord used the time to strengthen our ability to listen, so that when he needs us, he will know he can count on us."
Sure enough, on the way home we passed an oil field, and a small trailer house guarded the entrance. We felt prompted to knock on the door, which looked less like a residence and more like a company vehicle. It turned out than an inactive member lived there with her husband. They were away from their own home on business with the oil company. It wasn't long before they were reactivated, and asking us whether they could get General Conference on their satellite:
"And it came to pass that the brother of Jared cried unto the Lord, saying: O Lord, I have performed the work which thou hast commanded me, and I have made the barges according as thou hast directed me" (Ether 2:18).
Step one: When you get an answer, prove to the Lord you are worthy of getting the next one.
In verse 19, the brother of Jared asks the Lord two questions: "And behold, O Lord, in them there is no light; whither shall we steer? And also we shall perish, for in them we cannot breathe, save it is the air which is in them; therefore we shall perish."
And in verse 20, the Lord answers one of them: "Behold, thou shalt make a hole in the top, and also in the bottom; and when thou shalt suffer for air thou shalt unstop the hole and receive air. And if it be so that the water come in upon thee, behold, ye shall stop the hole, that ye may not perish in the flood."
Sometimes this is how the Lord answers our prayers, by simply providing us with the solution. I think, however, this is the rarest type of answer, and will usually only happen when we are unable to come up with a solution ourselves.
Step two: Recognize that while the Lord can and sometimes does give us the answer directly, this is usually going to be a rare occurrence.
Let's note that in verse 21, the brother of Jared does what the Lord commands, which leads us back to step one.
But the Jadedites still had a problem. Would the Lord really suffer them to cross the waters in the dark? This is the exact question that the brother of Jared returns and proposes to the Lord, and I absolutely LOVE the Lord's answer. From verse 23: "What will ye that I should do that ye may have light in your vessels?"
What a fantastic opportunity the Lord has given the brother of Jared (and how often does He give it to us?). How often do we interpret the Lord asking us "What do you think?" as not getting an answer?
In my mind, the rest of the verse isn't exactly a quote from the Lord, but more like banter between God and the brother of Jared:
Brother of Jared – "Can I have windows?"
Lord – "Are you kidding me? They'll get smashed!"
Brother of Jared – "Can I have fire?"
Lord – "Only if you want to kill yourself. (And in verse 24) You do realize you'll be buried in the depths of the sea and with the wind and everything I'm going to have to provide to take you to the Promised Land, there are going to be giant waves that are going to make the ride a bit bumpy, right? (Verse 25) So, with these things in mind, what other ideas do you have?"
Step three: Recognize that more often than not, the Lord will expect you to bring Him an answer to see if it is the right one, not the question for Him to answer directly.
I think it is also interesting to note that the questions the brother of Jared would have brought the Lord at this point were yes/no questions "Can we have windows?" "Can we have fire?" I think there is a reason for this: I think yes/no questions are the easiest ones to get answered. If you feel the spirit confirm to you that your solution is correct, then the answer is yes. If you don't, then no. It doesn't get much easier than that.
Step Four: If you doubt your ability to receive a complex answer, or the Lord isn't answering something that is complex, rephrase the question so that the answer is a simple yes or no.
Now, on to chapter three.
We've all read the story, so we know what happens. The brother of Jared does something I doubt many people would have thought of; in fact, I have to wonder if his solution wasn't somewhat inspired. This man goes to the side of the freakin' mountain, and carves out sixteen clear stones.
What is interesting about this? First, the brother of Jared is obviously a good craftsman. He uses his talents to resolve the problem, even if it is a little "unconventional."
With his creative solution in hand, the brother of Jared takes his thoughts to the Lord. Let's read those scriptures, because they are so incredibly amazing:
"2 O Lord, thou hast said that we must be encompassed about by the floods. Now behold, O Lord, and do not be aangry with thy servant because of his weakness before thee; for we know that thou art holy and dwellest in the heavens, and that we are bunworthy before thee; because of the cfall our dnatures have become evil continually; nevertheless, O Lord, thou hast given us a commandment that we must call upon thee, that from thee we may receive according to our desires.
3 Behold, O Lord, thou hast smitten us because of our iniquity, and hast driven us forth, and for these many years we have been in the wilderness; nevertheless, thou hast been amerciful unto us. O Lord, look upon me in pity, and turn away thine anger from this thy people, and suffer not that they shall go forth across this raging deep in darkness; but behold these bthings which I have molten out of the rock.
4 And I know, O Lord, that thou hast all apower, and can do whatsoever thou wilt for the benefit of man; therefore touch these stones, O Lord, with thy bfinger, and prepare them that they may shine forth in darkness; and they shall shine forth unto us in the vessels which we have prepared, that we may have clight while we shall cross the sea.
5 Behold, O Lord, thou canst do this. We know that thou art able to show forth great power, which alooks small unto the understanding of men."
I love how humble these scriptures are. I love the brother of Jared's faith.
As a reward, not only does the brother of Jared see the finger of God, but later has a vision in which he sees the coming Christ – thousands of years before his birth.
Step five: Use your talents, and be creative as you seek answers. Think outside of the box. Your faith in the Lord will be rewarded as you seek Him, even if that means seeking him in what other people would term "unconventional ways."
It is my hope that no matter where we are in our journey in life, that we will cultivate the kind of relationship with our Heavenly Father that is as strong as the relationship between earthly fathers and children. The only way we can know Him intimately is through conversing with Him.
May we all take a little extra time to listen – because He has some amazing things to tell us.
Monday, July 26, 2010
Getting Answers to Prayers
Labels: answers, Book of Mormon, prayer
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Brentford, Wycombe and Dagenham & Redbridge fans will be very familiar with Sam Saunders, who made a combined 350 league appearances for the trio.
The midfielder played in the EFL as recently as September 2018, and the Brentford Hall of Famer is a valuable addition for LOVE SPORT when talking about the modern game.
Before becoming a professional footballer, the Bexley-born Sam worked as an electrician on the London Underground and initially took a pay cut to strap on his football boots.
Sam has a business brain too as co-owner of custom swimwear company Thomas Royall alongside Chelsea and England legend John Terry and fellow Bexley boy Liam Ridgewell.


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When exploring the McElroy Parts website you're going to notice a broad selection of machines designed for jobs large and small. The TracStar machines, for example, are heavy duty tools that allow you to work with large pieces of pipe. But sometimes you don't need a massive machine to take care of a fusion job. Sometimes a smaller tool will prove to be just as effective, and that's where McElroy's Spider 125 Series 2 comes in.
The Spider 125 has quickly become the preferred tool when the job involves accurate and quick socket fusion of polypropylene fittings and pipe as large as 125mm. The machine is small enough it only requires a single person to safely operate it and perform tasks such as aligning, heating, fusing, and cooling the pipe. Because of its lightweight design, the Spider 125 is also highly flexible when it comes to performing socket fusions, which can be done in compact indoor spaces, vertically, or overhead.
Some of the features of the Spider 125 include a D-ring for simple lifting and drop protection, an improved jaw clamping system for better force distribution and pipe roundness, removable fitting stops, and much more.
McElroy Parts provides technically advanced, dependable, sturdy, and efficient pipe fusion equipment solutions. Our versatile tools are designed to be used for just about any project and we have a team of professionals thoroughly trained in working with McElroy parts and equipment, including McElroy Certified Instructors and McElroy Certified Master Mechanics. For information on McElroy fusion machine parts please fill out the form on our McElroy Parts Finder page.


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7 Benefits Of Raised-Bed Gardening
It's gardening season! Experienced gardeners are waiting in anticipation of the last frost date, and new gardeners are getting a start on putting it together. If you created a garden last year, you can really make that patch of plants sing and curate your ideal plot. However, first-time gardeners may need some advice on how to get started. One option is to build a garden in a raised bed. Here are 7 benefits of gardening in a raised bed.
Soil Salvation
In urban areas, you find a lot of raised bed gardens because the gardener can control what goes in the soil. That way, you can avoid exposing your plants to pollution that may be the ground. In addition, every flower and plant has different needs for sunlight, soil, and water. By having control over the soil, you can plant exactly what you want rather than having a garden that's dictated by the soil that is already there.
Pest Prevention
If you opt for a raised garden with borders and chicken wire in the base, you are putting up a defense against certain pests. Rodents love to burrow. Gophers and chipmunks are the most common culprits, and, while they are cute, they can destroy gardens. They make meals out of the roots of plants, as well as create tunnel systems and nests to block plants from properly taking root. With a border and chicken wire, rodents can't tunnel through to your garden soil.
Weeds, Interrupted
Because you're putting in your own soil rather than using the soil in the ground, your soil will have little to no weeds in it. This will save you time on your hands and knees trying to dig out weeds to make room for your more precious plants.
More, More, More
Because raised beds are not directly in the ground, they don't feel the same degree of cold a ground garden bed does. They warm up in the spring earlier (cold ground is hard ground) making it easier to get your beds started. They also stay warmer longer in the fall making it a longer growing season for some plants and flowers.
Soil Saver
Raised beds save your soil from both compaction and erosion. Its clearly marked borders prevent people from walking where you're growing. Walking in a garden bed leads to dense soil that can make it hard for roots to breathe and take in nutrients necessary to thrive. In addition, raised beds with borders also prevent wind and water from washing away nutrient-rich soil.
Drainage Advantage
With raised beds, you can control water drainage. By creating a drainage system or adding rocks in the bottom of your raised beds, you're preventing problems caused by excess water, like root rot. This works for moderate to moist climates, but for dry climates like New Mexico or Texas, raised beds tend to dry out faster than ground beds.
Nursery Navigation
Raised beds allow you to design a garden so you can navigate it easily and without having to put on men's clothing to protect you from getting dirty. You can plan your beds so you have enough space to rest your garden tools without the danger of compacting you soil, as well as be able to water your plants with control. If you can walk around your plants with minimal destruction, you can water adequately and evenly.
There are many ways to shape and decorate your garden. Whether you're putting flags in your ground bed garden or embellishing your raised bed garden with LED lights, The Lakeside Collection has inspiration and products to make your garden perfect.


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University of Oxford
Masanori Oikawa is a PhD student in the department of biomedical ethics at the University of Tokyo, Japan. His research concerns the ethical and social issues pertaining to biobanks, focusing on both theoretical and practical aspects of informed consent, return of results and the status of human biospecimens for research purposes. He is currently working on his thesis that will include questionnaire surveys to the stakeholders in biobanks and the general public. His further interests extend into public engagement in medical studies as well as science communication and empirical bioethics.


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Like Nonaka Miki, Ogata Haruna took a clear spot among the 12th Gen. Unlike Nonaka-chan, it was at the opposite end.
As explained in the main post, Haru-O's outfit became Seishun Kozou ga Naiteru due to the technicality involving Akanechin's look.
Now, given the fact I was crunched down by a deadline, I do admit that Haruna's not as shiny as she should be. However, the general design is there. Her hands were the problem child this time, not helped by the fact I was using members other than her as a model (one of them being her senpai and their parts seemed to melt into each other in the reference shot).
The Powerpuff Girls (c) Cartoon Network
Art (c) Me


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hi INDiA Copyright 2020
NC neither outside sponsors' creation nor any agency's baby: Omar
Jammu, Nov 12 (IANS) Jammu and Kashmir Chief Minister Omar Abdullah said Tuesday his party National Conference is neither the creation of an outside sponsor nor the baby of any agency as it owes its strength to the people of the state.
Addressing election rallies at Ukhral, Khari and Neel villages of Bannihal assembly constituency in Ramban district, Abdullah said: "We are not the baby of any agency, nor the creation of any outside sponsor. We owe our existence and power to common masses of Jammu, Kashmir and Ladakh and we only bank upon the public support."
He hinted at the formation of his arch-rival Peoples Democratic Party by former state governor, Jagmohan to damage the local base of the NC and scuttle its political agenda for peaceful and modern Jammu and Kashmir.
Reminding the people of great sacrifices of his party and its stalwarts to safeguard the interests of the state and to ensure empowerment of the people, Abdullah said NC's birth in the state has been as a public movement rather than a party and its political agenda is holistic, inclusive and youth-oriented.
He alleged that presently old enemies of the NC along with their associates have gathered in new form under one umbrella to break NC's public base by resorting to falsehood and baseless propaganda.
"Teach them a lesson once again as you did in 1977 when they were in another disguise to tarnish your unity and strength. They camouflage with different situations to give illusion of being your friends but their vengeance, hostility and animosity against NC and its political agenda comes to fore by their own actions and omissions," he said, seeking support for party candidate Sajjad Shaheen.
Bannihal goes to vote on Nov 25 in the first phase of the five-phase state assembly elections.


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By David Hargreaves
With the latest figures showing a very quiet housing market, eyes are turning to the Reserve Bank, which will next month be making a call on whether to further loosen mortgage lending restrictions or not.
The RBNZ did loosen the loan-to-value (LVR) ratio limits a little at the start of this year.
And while that has seemingly had some impact, particularly in terms of first home buyer interest and to some extent a slight revival of investor interest, the more recent monthly mortgage figures have suggested the impact of the loosening has washed through.
Remember, the change made at the start of this year was that investors needed 35% deposits (down from 40% previously) while for owner-occupiers the banks were allowed to lend a little bit more on high LVR (above 80% of the value of the property) mortgages. The so-called 'speed limit' on the banks was relaxed from just 10% of their new lending being able to be advanced on high LVR mortgages to a slightly more comfortable 15%.
Earlier this year RBNZ Governor Adrian Orr indicated that the central bank was in no hurry to relax the LVR rules and said it wouldn't be looking at the issue until the next Financial Stability Report (FSR) was released at the end of next month. Well, next month will be here quite soon and the questions are being asked.
Kiwibank senior economist Jeremy Couchman says there "is some expectation" that the RBNZ will take a look at the current LVR limit settings in the FSR.
"If they do loosen LVRs, we don't see the RBNZ loosening by much, " he says.
Couchman says the RBNZ has outlined three criteria that would need to be satisfied if it was to loosen LVRs, these include:
- Evidence that house price and credit growth have fallen to around the rate of household income growth.
- A low risk of housing market resurgence once LVR restrictions are eased.
- Confidence that an easing in policy will not undermine the resilience of the financial system.
"One could argue all three have been met, but it's certainly not definitive," he says.
"Credit growth has slowed, but household income growth has yet to lift materially. The need to guard against excessive leverage building in parts of the system remains. But credit quality has improved materially since 2016.
"We believe the 2nd and 3rd requirements are easier to argue, now that the housing market has cooled, with Auckland's lead. The 1st is a matter of judgement."
Couchman points out that the RBNZ is determined to push inflation sustainably back up to the 2% target midpoint.
"As a bonus, loosening LVR's would work with the Bank's monetary policy objective. If the Bank does decide to loosen LVRs we would only expect a modest adjustment akin to the last in November 2017."
Couchman says a move to 30% deposits for investors is possible, "and wouldn't threaten the integrity of the system".
Westpac Chief Economist Dominick Stephens says the Westpac economists have long had a negative long-run view on the housing market, mainly due to a battery of tax changes and the foreign buyer ban.
"But two months ago [we] predicted that fixed mortgage rates would drop sharply and that the RBNZ would loosen its LVRs. [We] predicted that this would stimulate the housing market, leading to a short period of rising prices, perhaps around New Year, before the overall negative trend reasserted itself.
"Fixed mortgage rates have indeed fallen sharply, so stage one of that forecast has come to pass.
"It is early days yet, but we are now turning our eye to whether the drop in fixed mortgage rates is stimulating the housing market. On a nationwide basis there are no real signs of a reaction yet. There was an eclectic mix across the provinces, with some regions seeing rising prices and others seeing falling prices for September. But Auckland is the region that seems to react most acutely to mortgage rate changes, and in that region there was perhaps a straw in the wind suggesting a market improvement. Auckland's House Price Index rose 0.5% in September, making this the first month in which prices have risen since February 2018."
David Hargreaves comments:
Next month's Financial Stability Report (which for the record is released on November 28) will be probably the most interesting test of RBNZ Governor Adrian Orr's mettle so far.
He's shown himself more than willing to let the economy run a little hot if that will achieve some sustainable levels of inflation. That's something his predecessor Graeme Wheeler was not prepared to contemplate.
Rightly or wrongly, I think the way Orr has steered the RBNZ so far has looked a little supportive of the Government's general mood and direction. People might argue there, but that's how it has looked to me.
There's no doubt the Government would very much like Orr to loosen the LVR straitjacket a little more next month. A bit of movement in the housing market would certainly cheer up the nation a little and we seem to need a pick-me-up at the moment.
But it would be a risk.
The RBNZ looked to be fighting a losing battle against the housing market in 2016 and seemed, almost in desperation, to arrive at the blunderbuss that was the big deposit requirement for the investors. That really got the investors backing off (although it has to be stressed that at very much the same time the banks themselves started pulling back very noticeably and have, I think, been happy to hide behind the LVRs as a reason).
So, any relaxation of the LVR rules next month would be popular, but it would be risky. I certainly think that Orr can afford to wait six months till the first FSR (in May) of 2019. If he doesn't wait, this will tend to reinforce certainly my view, that the bank, albeit subtly is being supportive of Government policy. Yes, debatable, but that's how it's looking.
Very interesting decision lies ahead then. If I have to hazard a guess, I will now flip flop from my earlier thoughts and say there will be another relaxation of the rules next month. We'll see.
We welcome your help to improve our coverage of this issue. Any examples or experiences to relate? Any links to other news, data or research to shed more light on this? Any insight or views on what might happen next or what should happen next? Any errors to correct?
We welcome your comments below. If you are not already registered, please register to comment.
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37 Comments
Interesting ..
Agreed: interesting.
Bottom line is that RBNZ are looking for economic stability which includes stability in house prices. Adrian Orr has said he sees 2 to 3% growth in house prices over the medium to longer term although he was accepting of some decline in the shorter term; however he would not want to see a crash in housing for the consequences to effects on the wider economy. (LVRs mean the days of rapid house inflation and a windfall for speculators of the past decade are unlikely to be seen again.)
He has kept the OCR low which has maintained low mortgage rates and so (along with historically high immigration) have propped the house market to some extent so far while assisting manufacturers and exporters with a favourable low $NZ. However, that would seem to have used one of his key tools; that essentially just leaves LVRs and there aren't too many tools after that so he will be cagey about using a reduction in LVRs too early.
NZREI figures today raise issues as to the future of the market in the short term.
Adrian Orr has a fine balancing act in the use of LVRs.
Just to clarify, the RBNZ is responsible for financial stability of the banking system in NZ. In order to maintain financial stability the RBNZ can use macro-prudential tools such as LVR's.
The RBNZ is also responsible for price stability (otherwise known as consumer price inflation) - the RBNZ has a 1-3% target rate for inflation.
They added an additional monetary policy objective to support maximum sustainable employment in the economy.
Here is the 2018 policy targets for the RBNZ - https://www.rbnz.govt.nz/monetary-policy/policy-targets-agreements/pta2018
It is not responsible for:
1) economic stability - which I mean to be stable GDP growth
2) house price stability
I learned a long time ago that you should NEVER take your foot off the throat until you are sure it is dead. If you do, as sure as eggs is eggs, whatever it is you are trying to kill, will come back and kill you.....(metaphorically speaking, of course)
I don't think the RBNZ is trying to "kill" the NZ economy
The fact this comment has 8 upvotes is a pretty sad indictment on the readers of this website.
Except when a major recession is coming. Then it is best to give some oxygen.
Not sure loosening LVRs would make a difference, its not like the banks have been bumping up against the limits of what they can lend as it is.
No but the borrowers have (bumped up against the limits of what they can borrow as it is)
But the borrowers aren't limited by LVRs.. the banks are.
Restrictions on loan-to-value ratios (LVRs) are temporary limits on banks to reduce the amount of low-deposit mortgage lending
High-LVR loans can make up no more than 15% of a bank's total new lending in this category..
Com'on Pragmatist, you're a smart guy. Of course the LVR's limit the borrowers capacity to borrow even if they are technically aimed at the banks.
If you want to buy a house for $1Mill and you have $200k, you cannot buy the house with the LVR's at 70/30. If the LVR's are reduced to 80/20 you can buy the house. Simple
Yes you can, if you can convince the bank you are worth lending to. The banks are able to lend 15% of their new OO lending to to people with greater than 80% LVR.. they have been lending 11%. that means the can lend another 36% over what they have been to OOs with >80% LVR mortgages.. but they haven't been.
And when you add in the exemptions for new builds & Welcome Home loans they probably haven't even been lending 2/3rd of what they are able to do within existing limits.. so why would moving the limits make any difference?
Again, because if you want to buy a house for $1Mill and you have $200k, you typically cannot buy the house with the LVR's at 70/30. If the LVR's are reduced to 80/20 you can buy the house. The other rules you quote to try to muddle things apply whether LVR are 80/20 or 70/30.
Okay, you just don't get it. I'll let someone else explain if they want to.
This article is actually a chapter out of PBOC's book on monetary policy called "adding fuel to fire"
The practice of investors of borrowing against their equity in their other properties, particularly in a market with low elasticity of supply, creates a dangerous feedback loop between credit creation and house price rises. Responsible central banks such as the Monetary Authority of Singapore have learnt to keep LVR limits very tight on investors, less than 50%, and keep them there.
Tongue in cheek – but the word "ponzi" springs to mind.
"The practice of investors of borrowing against their equity in their other properties, particularly in a market with low elasticity of supply, creates a dangerous feedback loop between credit creation and house price rises."
Palmerston North - A snapshot of a property crash about to hit New Zealand. It's time to call bullshit on this market.
I have just looked at the 175 Listings on Trademe for Palmerston North and uncovered the following:
45 Listings are New Builds or Plots, most that have been built will have been financed for top of market prices. (25.6% of the market)
3 Listings were bought in 2018 and are already back on the market (1.7%)
11 Listings were purchased in 2017 (6.2%)
25 Listings were purchased in 2016 (14.3%)
7 Listings were purchased in 2015 (4%)
8 Listings were purchased in 2014
7 Listings were purchased in 2013
7 Listings were purchased in 2012
8 Listings were purchased in 2010/11
22 Listings were purchased between 2000-2009
6 Listings were purchased between 1990 -1999
5 Listings were purchased pre 1990
There is no data on either Tradme or QV for 21 listings. (12%)
If anyone needs any help working out how exposed Palmerston North is following the speculation in the market then please call the helpline 0800 WHAT A BLOODY PICKLE.
Yeah mate but its Palmy and not Auckland so who cares ? Wow 175 listings, the worlds going to end if they don't all sell.
'Keep it Classy Palmy!'
I wouldnt be too worried if I was a Palmy vendor, Loan growth is positive, and is or soon will be growing. Also the RBNZ's actions to save Auckland will blow up prices in the rest of the country.
But will the prices in the regions crash when the RBNZ loses its fight to reflate the Auckland bubble?
fat pat. What about Waiheke Island? Should they be worried?
Did you ever hear about all those sellers that got stranded on Waiheke Island - thought we should look at somewhere nice after our visit to Palmy. 2 sales in 3 months and here is the reason why! There are 160 properties for sale but on Waiheke the canny buggers know how to hide their sale price history but here are the other 118 sellers (some of whom have already had over a year trying)
New builds - 2
Previously purchased in 2018 and back on the market already- 1
Previously purchased in 2017 - 5 (4.2% of identifiable stock)
Previously purchased in 2016 - 13 (11%)
Previously purchased in 2014 - 23 (19.5%)
Previously purchased in 2014 - 6 (5%)
Previously purchased in 2013 - 8 (6.8%)
Previously purchased in 2012 - 8 (6.8%)
Previously purchased in 10/11 - 7 (5.9%)
2000-2009 -35 (29%)
1990-1999 -5 (4.2%)
Pre 1990 - 5 (4.2%)
There are 42 others but the details are so well hidden including them would disrupt the reality. Why do such a large portion of sellers want to leave within 3 or 4 years? Or has Waiheke been pumped and dumped!
Might it be possible that the properties missing from your analysis because of lack of data, tend to have a lack of data because they haven't sold recently? I'm assuming availability of data has improved over the years. This would make quite a difference to your analysis, perhaps even meaning more than half of the properties on the market haven't been transferred in the last decade.
More generally, without any context or what a 'normal' dataset should look like, I'm not quite sure what the data is intended to show? Is this different to the situation 2 years ago? 10 years ago?
MDF... Stop being a plank of 'medium density fireboard'....
Where accessible the data is included - even pre 1990..... What the data shows is that there are a lot of fools that can't on sell from their 2014 onwards purchases...
Sorry Cowpat...but it's like talking to a 2 by 4 plank of wood when 'mdf' starts commenting
Sure. I spend a lot of my time reading Scientific papers, and often the missing data is as interesting as the presented data. Just curious whether you'd considered the potential issue with your conclusion if the dropout data is not like the reported data. Feel free to respond to my query or continue with personal insults, as you see fit.
There are buyers at reasonable prices for investment properties in Hamilton and Auckland of the type we are interested in. Increasing the lvr limit, currently 65 percent I think won't make a lot of difference to spark sales volumes because those buyers already have more than enough equity. Debt servicing is the main issue I think and that relates to the cashflow versus amount borrowed. Other segments of the market could see a boost
Why would debt servicing be the main issue when interest rates are at record low, not sure I agree with you there. House prices on the other hand are at record high so I think deposit (LVR) is the main issue
Short answer property values have risen much faster than rents. Established investors already have other equity so LVR is fine. When gross yields are low and expenses to pay and then the bank wants an interest cover (clear income) of 1.5 times it makes it hard to get the funding. The properties we invest in have higher yields which makes them attractive.
Agree now?
Yes. I was looking at it more from an owner occupier perspective but re-reading your first post you made it quite clear that you are talking about investors. Good point and I agree with you.
Cheers yvil, yes owner-occupiers and FHB will find the equity component difficult. But once someone is a property owner I do think it becomes a bit easier, most of the time. Like surfing, catching a wave can propel you forward.
It does seem the new governor is more relaxed than the last. My read is the RBNZ now feel they can control house prices through LVR rules. So they can afford to be more supportive with interest rates without igniting runaway housing inflation.
Median house price of $170,000 in Sep 1999 to $550,000 now. 9 years of Labour and 9 of National. Hourly income $14.50 in 1999, now $26.15. So a house in 1999 equaled 11724 hours work, now it equals 21032. Put another way, NZ wages have gone down by 44%, on this measure. No wonder people want change.
Thanks Roger,
Slave Labour, or National proclivity.....
An excellent analysis of how times and costs have changed.
Got to keep the new people flooding in. No house owner wants houses to become affordable. (At what price point did houses get the emotional upgrade to "homes"?).
There is no easy way to deflate a bubble, so far it's very modest declines and slowly rising wages, but both of these are very, very, hard to control. Once inflation gets above 3% it gets unstable apparently, I think it was Volker who said that in his recent piece where he says there is no evidence that a 2% inflation target is a good idea.


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See Also


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- Home
- Government
- City Council
- Kelly Seyarto
Kelly Seyarto
Council Member
Term Expires: December 2020
Office Hours: Call for an Appointment
(951) 461-6019
(951) 698-9885 Fax
Personal Goal Statement
I am passionate about helping people and serving the community using the leadership experience I gained through a 35 year career in the Fire Service. In the late 1990's, Murrieta was growing at an astronomical rate and there was growing concern that the lack of economic development would impact the level of services that citizens making Murrieta their home expected, especially public safety services. After serving on the Public Safety Commission, I was elected to the Murrieta City Council in 1997. I went on to serve nine years during which time I was honored to serve as Mayor for three one year terms. During this time, the City of Murrieta became well known for being able to bring a growing city new businesses and high quality public safety services, along with increasing the City's fiscal health, and initiating the process to construct major infrastructure projects to help with our growing traffic circulation problems. In late 2006, I declined to run for another term, instead focusing my energies and attention on providing for my growing family and advancing in my career. After retiring in 2015, I turned my attention back to our community because I did not feel that Murrieta was achieving the vision that was once laid out by many of the councils of the past. In 2016, I ran for office again and was elected for another four year term. My overall goal is to simply make Murrieta the type of City that people enjoy living in. I have established the following goals to help achieve this:
- Re-establish transparent and accountable political leadership
- Expand our economic development efforts – Jobs and Businesses!
- Keep our community safe by supporting and maintaining our Public Safety Services
- Support continued road and infrastructure development
- Keep our community well maintained
Personal Bio
Kelly is a native Californian who grew up in La Verne. In 1987 he and his wife, Denise, were married and they eventually settled in Murrieta, shortly before incorporation in 1991. They started a family and were blessed with three wonderful daughters, all of whom were educated in Murrieta public schools. Kelly and his wife have been happily married for 32 years and enjoy living in Murrieta.
Kelly began his career in the fire service in 1980 with the La Verne Fire Department as a paid reserve firefighter. In 1983 he was hired by the Inglewood Fire Department which was annexed by the Los Angeles County Fire Department in 2000. In 2015, Kelly retired at the rank of Battalion Chief after serving for 35 years in the Fire Service. He has a formal education that includes a Bachelors' Degree in Fire Administration and Technology and a Masters Degree in Public Administration from Cal State Long Beach. He was first involved as a member of the Murrieta City Council from 1997 through 2006 and then successfully ran again in 2016 for another four year term.
In his spare time, Kelly enjoys spending time with his family and friends, staying fit, traveling and taking an occasional ski day. Most of all, he really enjoys helping others.
Partial list of Community Involvement (Past/Present)
- Murrieta City Council Member,1997-2006 & 2016 – present
- Mayor – 2000, 2003, 2006, 2019
- Murrieta Public Safety Commission, 1996-1997
- Boys and Girls Club Board of Directors, 2003-2006
Partial list of Committee Assignments (Past/Present)
- Riverside County Habitat Conservation Agency (RCHCA), 1998-2006
- Western Riverside Council of Governments (WRCOG), 1999-2006
- Chair, 2003, 2004
- Regional Conservation Authority (RCA), 2003-2006
- Chair 2005
- Riverside County Transportation Commission (RCTC), 2004, 2005
- League of California Cities Public Safety Committee, 2000-2006 and 2016-present
- Chair, 2006
- League of California Cities Riverside Division Western Board of Directors, 2019
- League of California Cities Mayors and Council Members Department 2nd and 1st Vice President 2018-2019
- Associates Degree in Fire Science, Mount San Antonio College, 1981
- Bachelor's Degree in Fire Protection Administration & Technology, CSU Los Angeles, 1989
- Master's Degree (with Honors) in Public Administration, CSU Long Beach, 1996
- Graduate Dean's List of University Scholars & Artists
- National Honor Society for Public Affairs & Administration (Pi Alpha Alpha)
- California League of Cities Leadership Academy, Completion of all Levels (Three Torch Recipient)


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This pie chart shows us the percentage of immigration from Russia between 2003-2008. From different sources of information there are five different countries which contain a large number of immigrants from Russia. Nowadays we can easily change our place for living. Somebody is searching for a highly paid job, another wants to have a luxury life, to learn foreign language or give their child good education. The main reasons why our compatriots immigrate are:
In search of a new job and implementation – 39% ;
Refugees – 22 % ;
Study – 20%;
Married – 15%;
Others – 4%.
There are several countries whither Russian immigrants go more often. For the 2003-2008 years period the total number of immigrants was 229,579 thousand people. The first place of immigrants from Russia takes America (85.748 people) it is 37, 35%. They choose this country because salary is quite good, easy to move from one city to another and famous universities for example Massachusetts Institute of Technology or Harvard University are there. The second place takes German. 53.338 immigrants lived there. The main reason why people emigrate to this country is high-quality medicine and high standard of living.
As regard to Canada, it is one of the beautiful countries which in rich in natural resources. The total number of immigrants from Russia is 20.015 it is 8,71%. As for Greece, you can see fruits which are growing on the street. Beaches, perfect weather, all what you need. The total numbers of Russian immigrants was 9940 people. The total numbers of our compatriots in Spain was 5077 people. If you have some income, you will be able to wear clothes made qualitatively and eat fresh food. The other countries are Italy, Norway, France, Great Britain and Sweden. Which consist 23%.
Cite this essay
The pie chart. (2016, May 16). Retrieved from https://studymoose.com/the-pie-chart-essay


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I am having trouble with the navbar on my portfolio page. The URL is:
When I make the page narrower the navigation buttons are replaced by a menu icon. All well and good. The problem is that I can not seem to click on the icon and cause the options to appear as a dropdown menu. I have been googling this for a full day, now, and I can't seem to get it to work. I have looked at the code on the W3C site. I have verified that this works on other people's portfolio pages. It just doesn't work on mine! Is there something simple that I am overlooking? I would appreciate any help.


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About us
Company Awards
Every product of GDU has gained improvement of our consumers and expert's mark
- 2005 – First among the top 100 enterprises in the category "Chemical Industry of Ukraine"
2010 – Diploma of the National award winner among manufacturers of Ukraine PRIVATE LABEL – 2010 in nomination "Contribution to PTM development in Ukraine"
- 2012 – Diploma laureate of Ukrainian quality competition "100 Best Products of Ukraine" for BOOSTER Orchid fabric conditioner.
- 2013 – Diploma of the National award winner among PRIVATE LABEL-2010 manufacturers in nomination "Stability of deliveries"
- 2014 – GDU became the winner of a national prize "PRIVATE LABEL 2014" manufacturers in "The Best Cooperation Conditions" nomination.
Today our company is known by positive reviews and the name of GDU became a guarantor of quality products.


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E-Visa website of Egypt said the e-Visa of Egypt, intends to simplify the procedure, for incoming visitors to Egypt, to get the right travel authorization. This online visa program, will accelerate the visa applications process, preceding traveling. It will also improve the customs system, and border control, on arriving in Egypt.
All Eligible applicants, hailing from these 41 countries, from across the world, can now apply online, to get travel authorization.
They will be in a position, to receive the visa, through an electronic medium. The norms require that the applicant must be a national from a country that is eligible, and must also possess, a valid passport extending up to six months from the date of arrival.
The website says that the e-Visa is a single-entry visa, valid for a stay of maximum 30 days. It has been made compulsory for all travellers, who wish to visit Egypt for the purpose of transit, business or tourism.
The tourism sector of Egypt corresponds to 12 percent of the economy.
The tourists arriving in 2015, to its ancient sites and beaches, numbered at 9.3 million, compared to 14.7 million in 2010, and the receipts were $6.1 billion.
In October, Ministry of Tourism, Egypt, had partnered with the CNN, to initiate a campaign, for promoting the tourism industry, in the country.
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Comfortable Routines
A comfortable routine is not always a bad habit.
Cats love it! The only real problem with routines is when you sacrifice an opportunity to maintain the routine. If the cycle that you are in is working for you, then by all means keep it, and don't let go, but if the routine has gone stale or you see a need for correction, it might be time for a new tack.
Posted on June 5, 2017, in A Soft Voice book, Education, Education & Support, Health, Parkinson's Disease, Philosophy, Wellness and tagged a soft voice in a noisy world, blog, book, Comfortable Routines, Dealing and Healing Workbook, Disease, doctor, doctors, Health, illness, Karl Robb, media, medicine, nature, Parkinson's Disease, positive thinking, reiki, routine, stress, support, tack, wellness. Bookmark the permalink. Leave a comment.
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When the class gets lost on the way to the planetarium, Ms. Frizzle saves the day by blasting into outer space for an epic inter-planetary field trip! But when rivalries both old and new threaten to tear the students apart, our young heroes must learn to pull together or risk getting forever lost in the solar system… Hop on the Magic School Bus for a ride in TheatreWorksUSA's new musical adaptation based on the original book series published by Scholastic.
Optional Learning Day Experience: Attend the show and visit The Children's Museum of Green Bay all in one day! Click for details. Add-on program is currently sold out for this performance.


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Ian Cairns watched from the judges' tower as several thousand fans morphed from raucous to something beyond wild.
The crowd, ostensibly at the Huntington Beach Pier to watch the finals of the OP Pro – at the time the biggest surf contest on the planet — went over the edge when a girl removed her top. Then, as police came in to settle things down (using clubs, according to some observers), the contest became what would later be known as "The Riot on the Beach."
Punches were thrown. Cars were set afire. People tried to climb into the lifeguard headquarters so it too could be burned down.
It was 1986 and surfing legend Cairns had spent years building up the famous contest – only to watch much of its value disappear in minutes.
That night, as he got to his car, (also nearly demolished in the melee), Cairns thought about the day and his two young children. These people are nuts, he concluded; and he wanted no part of it.
Within days, Cairns handed the mortgage on his house over to friends and gave away his ownership stake in the OP Pro. Within a month, he was living back home, in Australia.
"Never to see Huntington Beach again," Cairns, now 58, said, recently, with a sheepish smile, the U.S. Open of Surfing literally built up around him.
Cairns had $150 to live on for the winter of 1973, and he clutched $100 of it in his fist as he waited for organizers of the Smirnoff Pro surf contest to call his name.
He was a second alternate in the prestigious Hawaiian event, but if he nabbed a spot in the competition he'd have a chance to be considered the best surfer in the world.
The brash Australian – known for his power surfing in large waves – believed in himself. He had placed in national titles, and was surfing that winter as well as his mates, who were winning other big events in Hawaii.
He had what he calls "that special sauce." "I was fearlessly stupid in big waves," Cairns says. "I just had a higher tolerance for pain and fear."
Finally, he heard the magic words: "Hey Cairns, you're in."
He then did what he set out to do – eventually beating Hawaiian Jeff Hakman in a legendary demonstration of big wave surfing.
"Suddenly, (surfing in) competition wasn't this weird, indecipherable code," Cairns says. "It suddenly became really clear and simple."
At the time, pro surfing was in startup mode, disorganized and not widely respected. But Cairns soon moved to change that. By 1975, Cairns and fellow surfers crew the Australian Professional Surfers Association, which held a series of contests and named a champion using a point system similar to that used in Formula One auto racing.
The group later turned to Fred Hemmings – the man who organized all the big contests in Hawaii – to push pro surfing under the name the International Professional Surfers (IPS).
But the whole idea of the IPS never set well with Cairns, who believed pro surfing should be controlled by surfer members.
Cairns had reason to be fed up with pro surfing. In 1976, he was the sport's biggest moneymaker, but that meant taking home $8,000 for the year. (Two years later, Cairns would make $50,000 as a stunt double in the surf movie "Big Wednesday.")
During this period, Cairns and fellow Aussie Peter "P.T" Townend – surfing's first world champ – started referring to themselves and other Australian surfers as "Bronzed Aussies," a branding move. While Aussies frowned on the concept of self-marketing, Americans loved the flamboyant foreigners – so they moved here.
In 1982, Cairns – his entrepreneurial muscles fully flexed — approached clothing maker Ocean Pacific about promoting a surf event in Huntington Beach.
In the early years of the OP Pro, Cairns introduced a number of technical additions (priority buoys; live scores for surfers in the water; computerized scoring) that have remain standards for organized surf contests. And it was during the 1982 event – when one of the competitors became upset by one of IPS' many rules — that Cairns decided a new organization was needed.
He helped launch the Association of Surfing Professionals (ASP), and in 1983, Cairns became the organization's first director.
In short order, the ASP – which still exists – became the governing body of pro surfing. Cairns also helped manage the National Scholastic Surfing Association and, in the early '80s, he took ownership of the OP Pro surf contest.
Then somebody got borderline naked, fans rioted and, in '86, Cairns went home.
Cairns and his brother were developing an organic vineyard in Australia when something almost Biblical happened. Tens of thousands of grasshoppers destroyed his land. At the time, jobs in Australia were scarce and Cairns, who had his business connections in the States, was forced back to California.
In 1991 he took a job with surf brand Body Glove to coach judges of surf contests. He also became a minority stakeholder in the Bud Tour, the pro surfing tour controlled by Prime Ticket and, later, Fox.
When Fox became disenchanted with the lack of money in pro surfing, managers ordered Cairns to shut down the tour and, with it, the North American operations of the ASP. The move would essentially kill pro surfing.
Cairns' response was simple: "No… I own a piece of this thing."
If he could take over the bills, the tour was his.
So Cairns once again became a promoter of pro surfing, owning the entire Bud Tour, the U.S. Open of Surfing and ASP North America.
"I owned all this stuff, and now I'm the kingpin of surfing," he said. "Again. Against all odds."
But it didn't take, and he eventually sold the U.S. Open of Surfing to IMG, the agency that currently operates the event.
And, from 2001 through 2008, Cairns was largely absent from the surf scene.
Then he started coaching, starting with a lesson for a friend's daughter at Salt Creek. In typical Cairns fashion, his coaching reach has expanded, and about 100 surfers are under his program. It is, he says, a great retirement job. He can travel and spend time with his youngest sons.
Cairns – who is being honored at both the Surfing Walk of Fame today (Thursday, Aug. 5) at Jacks Surfboards at 10 a.m. and the Surfers Hall of Fame in front of Huntington Surf and Sport at 10 a.m. on Friday – said the highlight of his career is yet to come.
"I live for tomorrow," he says.
"Most of all, I'm thrilled to have my little boys there (at the ceremonies). I want them to have dreams."
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