You don’t should login or register to meetup or chat with strangers. No sign up, enroll, login or registration is required to get began. Olive supplies a safe setting where yow will discover new individuals in an revolutionary and fun way. Holla offers the same old options similar to Omegle, and it pretty much offers every little thing you have to begin random video chats with strangers. However, Holla has one benefit over Omegle – you can receive matches on your smartphone any time, any place.
Google Duo additionally provides extremely safe video calling, is straightforward to use with a easy and user-friendly interface, is available on both Android and iOS devices, and makes use of end-to-end encryption, making it very secure in phrases of spying and cybercrime.
Furthermore, it enables customers to send completely different free stickers and GIFs. Moreover, there are over 100 million users and hundreds of members who’re all the time energetic online. This software makes an effective omegal way to attach and make new pals even without leaving your metropolis. Bloomy is among the newly launched random video name apps out there for Android and iOS gadgets. The app also allows you to chat with random strangers online.
Another good way to meet people online is to use random chat rooms. These rooms are often loaded with people who are unable to speak to you, and this can be a good way to meet new folks. You can use the random chat rooms to pair up with strangers at no cost. Whether you’re in search of a brand new friend or a new lover, random chatting is the best choice. You can use an web site or an app designed to connect with strangers. Here is one other yet one more interesting live video chat app for Android and iOS. Use Holls to connect with random individuals on the video chat.
This social platform gives you a further chance to attach with the strangers your like. Tinychat (Web | Android | iOS) is an internet chat site that enables customers to immediately create a room. Here you presumably can can speak to different folks via text, voice, or video chat. The room could be about any topic you’d like to discuss with others. It’s a fairly straightforward platform that works just as well on cellular gadgets because it does on a pc.
However, issues start wanting significantly better when you consider that you’ve the internet to assist you. The web permits us all to stay related and keep communication anytime, wherever. In the COVID-19 world, the online is the finest way to remain related and social. This app is almost much like Omegle but has varied advanced options that give it an edge. In other words, we are in a position to say that this app looks like the improved model of Omegle because it has no downsides.
In addition, there’s a great number of configurations that improve the on-site expertise. EmeraldChat has no qualms about being an Omegle various. A signup may be very a lot helpful, or you’ll be bombarded with a pop-up reminding you that a brief account is being detected. EmeraldChat has an intuitive matching system that pairs you with individuals who share widespread pursuits. Most rooms don’t allow associates in, so you’ll wish to create an account whether or not you plan on being a room creator or a joiner.
Save your credit score stability by signing up using a Google or Facebook account. Here you get gold begins from different people when they rate your profile. Also, you’ll find a way to see who has viewed your Meetme profile. A working webcam is required for the service, so relaxation assured that different customers will also have their video on. A 3-day free trial is available for the TinyChat Pro plan, which requires cost information. Soon after logging in, your username and default room will be created, with particulars despatched to the linked e-mail ID.
Both free plans additionally limit your utilization of the service. Zoom's group meetings are limited to 40 minutes, whereas Skype limits calls to 4 hour, with a complete of 10 hours per day and 100 hours per thirty days. As a result, Zoom is better if you have lots of members, however Skype is best for longer meetings.
Badoo’s Survey function allows users to attach with like-minded folks and acts as an icebreaker between people. This permits individuals to speak extra effectively and improve their person experience. There are countless stranger chat app you can find in the market right now. Nevertheless,in this submit, we cover all reliable websites and apps that you can chat with stranger 100 percent safe. These website embrace famous one corresponding to Omegle, Meetme, Moco, and so forth. 1freechat provides video and text chat rooms open to visitors and members. Group chat rooms and personal one on one video and textual content chat.
Overall, IMVU is an interesting app where customers can use 3D avatars to make profiles and begin trying to find their match. Shagle – Best if you need to chat with strangers in numerous languages. Whether you need to connect with folks from Italy to Nigeria or Indonesia, this app has you covered. Although the accent is on getting two people to video chat, there’s the facility to have group chats as nicely. Bazoocam is one other random webcam chat site that’s closely moderated to maintain it clear. The homepage is simple, and a few folks say that it’s even too simple. The app provides a protected and safe setting where you’re free to express your internal self, show your individuality and simply be yourself.
You don’t have to be afraid of fake users due to genuine verification. It additionally features 1-on-1 video chats that allow you to determine how the stranger appears like. Simply find a gorgeous people, start live video chatting, and luxuriate in a model new experience in your social life. The app supplies an pleasant user experience with each interaction. You needn’t worry when you aren’t sure the place, to begin with, video chatting. We can help you no matter your level of experience with random chat.
So these are the top 5 video chat sites to speak with strangers. From mere texting based purposes to photo-sharing applications, and now the video chat sites. These sites are getting popular day-to-day they usually have come a long way from the past few years. The concept behind these websites is easy, instead of chatting or voice calling you will do a video chat with different folks . Google created Google chat rooms, which allow customers to talk and share files with unknown and random individuals online.
To see a group of people with ongoing video chats, use your mouse and scroll down. This site is ideal for those looking for companionship, friends, or just somebody to talk to. The international video chat site Omegle is frequently used by people internationally to chat with random strangers. Chatting with strangers online is what this website is all about. In 2010, Omegle launched its video chat function a year after it was launched as a text-only chat platform.
Even though there isn’t a public statistic in regards to the variety of customers, estimates say that this app has over 500 million users. Chatspins is flawless in terms of gender proportion as it’s equally 50-50. However, this is only meant for use by female customers. It additionally has a face filter choice meaning you can match solely with people who discover themselves using a digital camera.
Telegram features a privateness coverage that makes use of end-to-end encryption that makes hackers or a third celebration unable to access your conversations. However, telegram uses this encryption for calls only and in its “secret chats” characteristic, not in regular chats.
The reviews are normally very trustworthy and helpful, so you presumably can at all times feel confident concerning the quality of the app. The app you choose also needs to be safe and safe for anonymous use. The video call characteristic is also very helpful in attending to know strangers. MeetMe has more than one hundred millions users on its platform. You get folks suggestion on the basis of your entered intereset. Its superior options make it an curiosity app for video calling to random.
It supports units corresponding to Android, iOS, Windows, and others. Also, this software is ready up more than like a social network. Users can create group chat rooms to make an easy way to join with other folks. Additionally, users can browse completely different chat rooms and connect with members with the identical curiosity.


text:
The Fallen Diadem
“You used your mouth? Were you raised in a cave?”
I hadn’t realized that the Order of the Broken Concordant had a detachment of priests and priestesses with it, medical chaplains in a sense. The priestess who had stitched up my arm was now mad on my behalf. She was an adult, with her blonde hair tied back with a sash that barely kept it straight, like a housewife doing chores. Her black and white robes would have been stylish, if they weren’t bundled up and splattered with blood; only some of which was mine. Perhaps a midwife was the closest comparison.
“Are you calling my mouth dirty?” Neeka snarled back, her tail bristling as she glared back at the priestess.
“Sounds like your ears are clean at least. Human and felinid mouths are disgusting! Bites are by far the most likely injury to get gangrene from and you went and stuck your mouth all over a fresh wound!” she shouted back, jabbing her with a finger.
“The cut needed to be cleaned so the blood could push the poison out!”
“Blood loss will kill him before poison does!”
They kept going back and forth with one another, leaving me to sit quietly on the stone beneath them. Sister Evey had cleansed my wound with some kind of antiseptic that had burned like a fire poker, then smeared in a healing paste with ingredients unknown, before stitching it back together. Her official diagnosis was to stop being a baby because I wasn’t going to die, and to not use the arm for a month. How I was supposed to fend off attacks from the fallen while not being able to move my arm, I didn’t know.
The fighting hadn’t stopped just because I had been carried to the backline. Fallen were still climbing out of the water and throwing themselves upon the blades of the soldiers. The amount needed to hold the backline was small, most were facing the opposite direction; to the gates of the castle.
Amaranth had slain both dragons, rendering their bodies to butchered piles of meat and gore without ever getting scratched himself. The power that had laid waste to beasts would, in a moment, bring the castle gate down. Until then, while he caught his breath and drank water, the gate protected us as much as it protected whatever was inside from us.
“Drink,” Charlie said, shoving a flask against my chest.
I took it with my good hand, and since it was already open, I drank. I almost gagged as I realized I had taken a full swallow of brandy. “How did you get this?” I asked, wiping the spill from my chin. I coughed and gasped, feeling the burn go through my nose.
He shrugged. “Snuck it off one of the other casualties. There’s a special portion of the stuff for medical purposes, so be grateful to your benevolent leader, why don’t you? It’ll make you feel better.”
I found myself looking at the flask and thinking, like a piece of memory had just come back to me. What I wanted was a real pain killer, like codeine or at least acetaminophen. Where had I heard of those, though? I didn’t think I had even seen something in pill form since meeting Charlie and everyone. For that matter, how had I learned medical knowledge?
“Are you going to drink it or not? It’ll put hair on your chest too. If you don’t want it, give it to me!”
I pulled away. “Save it for the injured. Your blisters don’t count,” I said, and stuffed it back into my lips. I upended the flask and drank as much as I could. I was wiping the tears from my eyes and trying to look mature when Claire walked back over.
“So do you get to keep it? Or is it getting cut off?” she asked.
I shook my head. “I’ll be back to normal in a week.”
Sister Evey broke out of her argument with Neeka instantly, to glare down at me. “One month rest. You hear me? I have a reputation for healing people, and I’m not gunna let your stupidity ruin my hard work. You got that, kid?”
Claire rolled her eyes. “Always a pleasure Evey. You still not regretting leaving the sea behind for chasing an army?”
The blonde sighed and turned up her hands. “I can’t just turn down my calling, and Lord Amaranth has a way of always getting into trouble so I have no short of help to give. I just don’t know why they all have this fear of women of the cloth.”
I figured it would be because she was one of the people able and willing to lop their limbs off to stop infection. That would scare anyone away from her. She didn’t exactly have a demure personality either, but she had sealed my wound back up within a minute of seeing it and I wasn’t bleeding to death.
Amaranth stepped up on the back of one of the dragons. With his back to the sun, everyone noticed. “Casualty report!” he bellowed, and one of the captains stepped out to salute.
“Five deaths, twelve injuries, sir.”
“Right then!” Amaranth shouted. “Nothing like a little wet surprise in the morning, nothing you all can’t handle now is it? We’re at the gate now, at the precipice of danger and in too deep to be going back empty handed. It’s time to seize the world by the stones!”
The mass of soldiers burst into laughter. The lifted up their swords or clattered them against their shields.
“”Hold that line boys! We’ll be coming back for it with the jewel of Vichtstein in hand!” Amaranth shouted to the rearguard. He hopped off the dragon and marched up to the gate.
“Come on, we gotta join,” Charlie said, trying to pull me up by my shoulder.
“Excuse me, but how exactly is he supposed to join if he can’t use one of his arms?” Sister Evey demanded, stepping between me and the gate.
“What? I’m supposed to stay out here waiting for a fallen archer to put an arrow in me? I’ve still got one arm, don’t I? Besides, can’t you see we’re slaves? Gotta go pay off our debts somehow,” I said, leaning my head to one side to give her a look at the collar.
The blond sighed and I watched her scowl shift to a frown. “Whatever. Do whatever you want you idiot,” she said, putting up her hands and marching off to find the next injured person.
The five of us fell in formation loosely within the midst of the raid party. They all surrounded me without saying anything; Xon at my back, Charlie to my left, Neeka to my right, and Claire in front.
“My mouth is not dirty,” the cat girl said under her breath.
“After all that lake water you were sucking on? It’s definitely dirty now,” Charlie said, unable to help himself.
“Shut up you two,” Claire ordered.
Ahead of us, Amaranth stood before the gate. Ten feet high of hardwood riveted with steel braces. The sinking city had jammed it in place, the masonry squeezing around it and holding it firm. The army commander didn’t even bother trying to push it open, he attacked. I could feel the impact of his downward slash all the way through the ground. Ascalon cleaved through some kind of brace. Then he did it again and again, before thrusting the tip against the center.
He had cut a hole through the middle of the gate and his thrust sent the chunk of wood flying inward to the darkness. Just like that, the Order of the Broken Concordant was the most successful raid on Vichtstein in history. The stale air of the castle mingled outwards like an emerging fog. It smelled like a dried out swamp; like rot and death. The soldiers around us started to mumble, the high spirits fading away and apprehension replacing them. It felt like more fallen should have come pouring out at the provocation, but for the moment it was as quiet as a forgotten temple.
Part of the army was still to our backs, still fending off a seemingly endless supply of rabid creatures. Dawdling wasn’t acceptable, so Amaranth stepped in first. A few captains bellowed orders, and I saw a vanguard run in behind him, sweeping to either side of the castle’s main hall. From where I was, I couldn’t see anything beyond the shadows. Even when they lit torches, all I saw was the shadows dancing across the roof. The hole Amaranth had made was smaller than the gate, it was even more restrictive on passage. Soldiers could barely file in two at a time.
Then the shouting began. The clash of steel. There was fighting inside.
I heard captains start shouting for them to get inside quicker, to provide backup, to get ready to fight.
“Mage!” someone shouted from within.
That one word made the entire army flinch. They all lifted their shields or pulled their weapons in tighter. Their heads dipped down like they could vanish into their breastplates if they tried hard enough.
I turned to Charlie but he just shrugged, same with Neeka. Xon answered my unspoken question, “It is using the diadem.”
“But what’s it? A fallen?”
Before I could get an answer, something struck the gate. A silver object blasted through from the inside like a battering ram. Wood exploded in every direction as the metal ball careened overhead. I saw it hit a stone outcropping, skip like a stone on water, and land on the barge. It punched a hole straight through the deck, stopping in a heap within one of the flooding hulls. And sprouting from the middle of it was the golden spear, Ascalon.
Amaranth Arnstein, Holy Lance of Throne, and slayer of dragons, had just been defenestrated from the castle.
“It’s the king! The king of the fallen!” another shoulder shouted as light like the reflection of the moon illuminated the castle. Panic spread through the ranks, and I started to feel light headed. I could hear the sounds of people dying, I could hear the fear in their screams.
“What am I doing here?” I asked myself.
“Fight!” the order erupted from behind. Amaranth stood in the middle of the barge, one hand clinging to Ascalon for support and the other hanging limp. He took a forceful step, and all the fallen from the lack shrank back around him. His helm had come off, or perhaps he had removed it, but I could see blood streaming down his face as he snarled back at the army. He rose up, filling his chest with air anew and shouted, “Are you men or cowards? Slay them all!”

domain: literature


text:
Margaret Constance Williams is a British actress. She was born on April 15, 1997 in Bristol, England. Maisie’s most famous role so far is Arya Stark of Winterfell in the fantasy series Game of Thrones. For this performance Williams won a large amount of awards. She also had a role in in Doctor Who TV series and other films. But as i can guess you came here to see her tattoos.
On this picture we can see her flower tattoo on her right arm
Maisie Williams gets new ink at a NYC tattoo shop today! "Little Rascal" on her wrist 🤗 pic.twitter.com/gvSf6Ha2GB— Maisie WIlliams 🍥 .daily. (@maisiestyle) July 22, 2018
07.08.09 Date Maisie found out she is a part of Game of Thrones.
Queens in the north! Maisie Williams & Sophie Turner have matching tattoos of the date they booked Game of Thrones. pic.twitter.com/WnnF93pHA3— E! News (@enews) September 18, 2016
Another picture of her flower tattoo.
Maisie’s forearm tattoo.

domain: artistic


text:
Minmae / The And/Ors - (split 7")
(Airborne Virus Records 1999, AV006, 7" 33.3 rpm)
From Aural Innovations #7 (July 1999)
Minmae is back (see review in AI #7), this time splitting a 7" with The And/Ors. The Minmae side has two songs. The first is a grungy psych rocker that includes either loops or backwards guitar. This portion ends somewhat abruptly and then begins again as a melodic floating guitar track. It's still raw and includes some rough vocals but has a haunting but pleasant melody that succeeded in drawing me in.
The And/Ors track is similar to the second Minmae song, a valium paced, but enjoyably melodic song. (Though the vocalist is better.) The instrumentation seems to be mostly dark atmospheric synths against a throbbing electronic perucssion beat. This is really a pretty good tune and I can easily imagine it getting some radio airplay. I'd like to hear more from The And/Ors.
For more information you can email Minmae at email@example.com.
Reviewed by Jerry Kranitz

domain: entertainment


A uniquely produced radio show mixed and presented by Dr. Kenya Oscar Radoli, the technology social entrepreneur on Mawalking Radio (www.mawalkingradio.com) and Pittsburgh's WRCT 88.3 FM (www.wrct.org) on Saturday at 8-10 pm EST.
The show intentionally contributes to Pittsburgh's diversity programming and occasionally features Afro House, Soulful House, Deep House, Funk, R&B, Reggae, Dancehall, Soca, Calypso, Afro Beats, Afro Jazz, Rhumba, and Hip Hop.
Enjoy, subscribe, and support the growth of the show. To support/donate to the show https://www.patreon.com/dr_osi
Dr. Kenya Oscar Radoli.
Show # 406 - Mega Mix #28 - HipHop - Dancehall - R&B - Afro Beats
Another "In The Dungeon Series" where we had fun throwing down a medley of party jams. We also dipped a little bit down memory lane.
show #405 - A Medley of Smooth House
We combined another series of house jams that we have never played on the show. Sometimes, DJs get stuck playing only the popular songs. On the Tembo Sounds show, we work hard to bring songs you have not heard before or in a long time. GTO...Good Times Only.
We are giving away merchandise. Leave a cool voicemail at +1412-499-5000.
Show #404 - Spanking New Afro House Joints
Another exciting show filled with new Afro House songs. Take a break and enjoy this one.
Show #403 - An Afro House Jam Session
We got back to some fantastic afro house jams that we missed playing during the past years. These are hidden tracks that sometimes fly under the radar. Enjoy this one, share, subscribe, and take a few minutes to write a short review about the show. We will appreciate your gesture.
Show #402 Mega Mix #27 - In the Dungeon Series
Our 27th Invite to the "In The Dungeon Series" had us bring our international party vibes and mashups for our audience. Enjoy this one.
Show #401 - Tribute to Bunny Wailer - Pittsburgh Reggae #19
We gave tribute to Neville O'Riley Livingston, the Jamaican vocalist better known as Bunny Wailer, who passed away on March 2, 2021. He was the Reggae Mystic And Wailers Co-Founder. Here is the link to the playlist. https://serato.com/playlists/id:10160112/tribute-to-bunny-wailer-pittsburgh-regga


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Bitcoin fell below $ 20,000. Ethereum failed $ 1,500
Shortly after the activation of The Merge, the price of bitcoin was lower than the key level of $ 20,000. Ethereum at What is a Bonfire the time of writing is traded in the area of $ 1480.
The schedule below shows that the drop in the price of the ether was accompanied by a surge of trading volumes.
On the eve of The Merge there was a powerful influx of broadcast on centralized exchanges. This could cause the current increase in sales pressure.
Over the past day, digital gold has fallen in price by 2.9%, Ethereum – by 7.2%, according to Coingeco. The total capitalization of the market is held at $ 1 trillion.
Earlier, ex-s-seo Bitmex, Arthur Hayes predicted Ethereum growth to $ 3000 after The Merge.
Read the FORKLOG Bitcoin News in our Telegram-cryptocurrency news, courses and analytics.


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At 511,] we overruled cases holding that a search and seizure of speech requires some trespass or actual penetration of a particular enclosure․ We have concluded, however, that to the extent Katz departed from previous holdings of this Court, it should be given wholly prospective application”Accordingly, the Court held “that Katz is to be applied only to cases in which the prosecution seeks to introduce the fruits of electronic surveillance conducted after December 18, 1967” 394 US.
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domain: health


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A new restaurant, called Benjamin, has signed the first retail lease in The Star, a downtown apartment redevelopment of the former Texaco building by Provident Realty Advisors. The restaurant, named for Houston's Benjamin Berg of B&B Butchers & Restaurant, will occupy an 11,023-square-foot downstairs dining room and a 5,700-square-foot mezzanine in the historic building at 1111 Rusk and San Jacinto, Edge Realty Partners announced. Debbie Adams represented the landlord. The tenant was exclusively represented by David Littwitz of Littwitz Investments. The restaurant will open in the late summer of 2018, according to Littwitz.
JLL arranged a $175 million fixed-rate loan to refinance Market Street - The Woodlands on behalf of Institutional Mall Investors. The 493,400-square-foot mixed-use development, managed by Trademark Property Co., contains more than 80 shops and restaurants, plus office space. Tom Melody and John Ream of JLL secured the loan through Morgan Stanley and Wells Fargo. Market Street opened at 9595 Six Pines Drive in 2004.


We have talked several times about the cool Asus Eee Pad Slider. This cool little tablet has the sliding screen that pops up and tilts to let you type on an integrated keyboard. The little keys of the keyboard are the chiclet style that Asus uses on the Eee netbooks. The cool tablet is expected to land in most countries this September, which isn’t too far away at all now. The official page for the tablet has now been added to the Asus website.
With the tablet having crossed the FCC not long ago the official page is one of the last steps before you can go and buy the cool tablet. There are expected to be two versions of the tablet with all the same features and the only difference being the amount of storage. The 32GB tablet will sell for $550 in the US with the 16GB versions going for $400. The official page offers all the hardware specs too, though most of the details are known.
The tablet will use a 10.1-inch LED backlit screen with 1280 x 800 resolution and support for ten touch contacts at once. The processor is the NVIDIA Tegra 2 and the tablet has 1GB of memory. It will have WiFi and Bluetooth inside along with a 5MP rear camera and a 1.2MP front camera. A microSD card slot allows storage expansion. The machine also has a G-sensor, light sensor, gyro, and digital compass. The tablet runs the Android 3.1 OS.


text: Fortunately, there are options available for people who don't have perfect credit or money for a down payment. A. Before you research your low- or no-down-payment options, it’s essential to understand PMI, or private mortgage insurance. You only need to bring at least 2 valid IDs. Calculate your loan, Loan period varies but generally it is between 6 – 24 months. Our sales agent will assist you. You probably want to own a home at least once in your life time, but if you have bad credit and no money for the down payment, you might give up on your dream. That means no hidden charges and all information about the loan is disclosed up front. If you can afford it, yes, the 20% rule is still a wise choice. So it’s safe to say that a 20% down payment isn’t the standard any… And making it … Buy mobile phones on easy EMIs from Home Credit. If you want to buy products such as cellphones, computers, tablets, laptops, home appliances and musical instruments we can help finance your purchase which you can repay through easy, monthly installments. Buying a home is exciting, but for many first-time and younger buyers, there's one thing that stands in the way: a down payment. No or little equity: When you start with a no down payment home loan, you don’t have much or any equity in your home. A conventional loan requires a 20% down payment, but it’s not the only type of loan available as you’re looking for a second home to buy. But a 20% down payment adds up to a lot of money. Calculate your loan. NAR also found that 61% of first-time homebuyersmade a down payment between zero and 6%. So it’s safe to say that a 20% down payment isn’t the standard anymore. 1 Not making a down payment could save you at least $11,000 upfront on the average 2020 home for sale in the U.S. 2 Just make sure all of your information is correct and up to date during application. VA. No set minimum; most lenders require at least a 620 credit score, but some will allow a score as low as 580: Veterans buying homes: USDA. If you feel ready for homeownership but know that a 20% down payment isn’t feasible for you, there are many options available to help you. FHA loans, insured by the … A no down payment mortgage allows first-time home buyers and repeat home buyers to purchase property with no money required at closing except standard closing costs. HomeReady and Home Possible require just a 3% down payment and a 620 credit score Freddie Mac HomeReady program is for first-time homebuyers requiring just 3% down VA Loans are for veterans providing 100% financing with no … CitiMortgage. That said, the secret to affording homeownership is understanding your financing alternatives, which do include options to buy a home with no down payment if you know where to look. Q. No … More details about payment methods. All Rights Reserved ® 2020 Home Credit Philippines, This site is protected by reCAPTCHA and the Google. October 5, 2018 to January 31, 2019 only. For 12 months loan term: Pay your first 11 installments on time and waive your last installment! Check your favorite stores in our store locator. And Navy Federal’s funding fee is only 1.75%. There are 0%-down loans available, but they narrow your home options, as fewer lenders are willing to lend to homebuyers who opt out of a down payment. Offer is exclusively available for select mobile phones / tablets, home appliances, TV / electronics, laptops and computers. Jamie Johnson is a freelance writer who has been featured in publications like InvestorPlace and GOBankingRates. That’s significantly lower than the typical down payment. But unfortunately, many consumers choose not to pursue homeownership because they believe this down payment myth. 18455 Series of 2018. We offer full transparency on our products. The larger your down payment, the smaller your mortgage will be. If you’re looking for a home loan for bad credit with no money down, this could be an option if you qualify. Their minimum credit score of 660 is higher than the FHA loan, which requires just a 580 score to qualify for the 3.5% minimum down payment. Some states also offer programs for buying a home with bad credit and no down payment, especially for first time home buyers. Still many of these loans demand higher credit scores to account for the extra risk. You can also use your Loan Calculator to have an idea of how much your monthly installments will be. There are various no down payment mortgage options available today, particularly for government-sponsored loans, and several low down payment options. The lowest down payment mortgages for a conventional loan are the HomeReady and Conventional 97 programs. Borrowers can apply for a certificate of eligibility on the Department of Veterans Affairs website. 22% believe they need a down payment of 10% to 14%. When a lender offers a no down payment mortgage loan, they are financing 100% of the purchase price for your new home. So it’s safe to say that a 20% down payment isn’t the standard any… Due to COVID-19, we will be waiving your penalties for late payments … Plus, there are several drawbacks to putting down less than 20%: PMI can cost as much as 1% of your total mortgage payment and you’ll pay it on a monthly basis. Take home the latest furniture at low monthly installments today! COSIGN. Fortunately, there are options available for people who don't have perfect credit or money for a down payment. 97% LTV mortgages is a loan program that is offered to first-time homebuyers by Fannie Mae. This program isn’t for everyone, but for those that qualify – why wait years to save a downpayment? And the minimum down payment for an FHA loan is 3.5%. It has to be your own money – either money you have saved up, or money is given (not loaned) to you by relatives. Some organizations offer down payment help as well. Purchasing a home with no down payment saved doesn’t mean that you don’t have to make a down payment; it simply means that you’re not using your own hard-earned and saved cash to pay for the … The larger your … According to a 2018 survey from rental marketplace Apartment List, 61.7 percent of millennials who want to buy a home said they can't afford a down payment… Here are five lenders that will help you buy a home with little to no down payment. However, you will have to be a Navy Federal member to qualify. Lenders do not want the down payment to be borrowed. No Down Payment Mortgage Loans for Bad Credit – Homes cost a lot of money this is one of the most common things. Next I am interested to get a loan. Low or no down payment required; flexible credit guidelines. How can I get a loan? What is the No Down Payment Home Loan? Compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. This government-backed mortgage program has flexible requirements and is a good option for first-time homebuyers. However, there is a one-time funding fee of up to 3.6%, depending on … There is another option if you would like to buy but have no deposit for a house, and that is to take out a 100 percent mortgage. Instant Loan, no credit card required.No hidden charges.Find our value added services to finance mobile phones. You … Yes, you can check your payment information online whenever you need. It's simple: we will never steer you in the wrong direction just because a company offers to pay us. Without a down payment, you will have no equity in your home, you are starting at 0%, and so it will take longer to be eligible for home equity loans. And once you reach 20% home equity, you can cancel your PMI and get rid of these extra payments. The Federal Housing Administration, also known as the FHA, works with lower-income buyers. Choose the goods you want to buy. The minimum down payment required for a conventional loan is 3%. USDA loans. But neither of these are true. This means that you pay nothing for your new home until you receive your first … While Crediful does not feature every company, financial product, or offer available, we are proud that the information, reviews, guides, and other tools found on our site are entirely objective and available to you free of charge. 22% believe they need a down payment of 10% to 14%. She writes about a variety of personal finance topics including student loans, credit cards, investing, building credit, and more. To qualify, borrowers need a 620 credit score, 3% down, and income below the income limit of 100% of the area median income. Lenders usually calculate your down payment as a … There's many payment options you can choose from. Upon approval of application: down payment (at least 20%* of goods price) + origination fee (3% of financed amount). At least 1 must be a primary ID. No or little equity: When you start with a no down payment home loan, you don’t have much or any equity in your home. How Much Should Your 401(k) Contribution Be? According to the National Association of Realtors (NAR), 39% of non-owners believe they need a down payment of at least 20% or more. Crediful is committed to helping you make smarter financial decisions by presenting you with the best information possible. Hulugang 0% Interest sa… Now you can shop at 0% interest installments, no credit card required!… 6, 9, and 12 months Find out more This kind of loan is an unsecured loan, which means it doesn’t require a down payment or any kind of collateral, like home equity, to qualify. As the name suggests, a zero-down mortgage is a home loan you can get without a down payment. Yes, we offer loan insurance to help you be ready for any eventuality. If you have no down payment saved you can still get a mortgage to buy a home in Ontario. The United States Department of Agriculture (USDA) and U.S. Department of Veterans Affairs (VA) both offer no-down-payment loans, and the Navy Federal Credit Union has even gotten in on the action. You’ll owe nearly 100% … It offers 100% financing with no down payment and no PMI. And VA loans don’t require private mortgage insurance. Rather, lenders evaluate borrowers based on factors like credit … Below, we list the buy now, pay later stores in your area — some with traditional credit-based financing programs and some with no credit … First-time homebuyers may be eligible for no-down-payment mortgages as well as low-down-payment options, like the FHA loan and the HomeReady ™ mortgage which require as little as 3% down. You don’t have much money saved for a down payment, but you want a home. Our approval process usually completed within 1 minute after completing the application form with our Sales Agent. Other options, … There are pros and cons to no or low down payments… Obviously, the more money you put toward your mortgage, the less debt you’ll have to repay and the less your monthly payment will be. The United States Department of Agriculture Housing Program was designed to aid rural development and is aimed at low-income families. Roughly half of the country has a credit score below 660. Many lenders will let you buy a home by putting down as little as 3%. Traditionally, lenders require a 20% down payment toward your mortgage. Qualified land owners pay NO DOWN PAYMENT, NO CLOSING COSTS, NO DISCOUNT POINTS, and NO CONSTRUCTION LOAN. Certificate/Clearance, Certificate of Employment, Credit/Saving Card, Company ID, Electric bill, Mobile phone bill, Water bill, PAGIBIG/HDMF ID, PhilHealth Card, Phone bill, Postal ID, Remittance Slip, Salary Slip, TIN, NBI Clearance. Table of Contents You may ask our Sales Agents for addition of insurance coverage to your loan. Down payment grants range from 3.5 percent to 5 percent of the purchase price, usually forgiven after … “That’s why … Most of the loans are designed to help low- or moderate-income people with decent credit buy a home in a rural area. ... credit card bills through our online payment tool. However, brand availability varies per store. However, this may not be that bad, especially if you have a less expensive mortgage. How to Read & Understand Your Credit Report, Statue of Limitations on Debt - State By State, Everything You Need to Know About Filing for Bankruptcy, How To Rebuild Your Credit After Bankruptcy, Banks That Don't Use ChexSystems & Second Chance Banks, Guaranteed Installment Loans for Bad Credit. Upon approval of application: down payment (at least 20%* of goods price) + origination fee (3% of financed amount). Some special loan programs even allow for 0% down payments. Number: CS201301354 Certificate of Authority Number 1071 issued 07 April 2017 Please read carefully the terms and conditions before proceeding with a loan transaction. Finally, the site may receive compensation from third-party advertisers. And some lenders will let you skip the down payment altogether. It requires a 3% down payment and private mortgage insurance. Cash loans to your door - Home Credit Finance offer unsecured cash loans straight to your door, £150 to £1000, no credit checks, no fees, 'NO Computer says NO This is out of reach for many people but fortunately, the 20% rule is a lot less common than you might think. A cosigner will greatly improve your chances of getting a loan if you had bad credit or no credit. A no money down home loan is attractive because it doesn’t drain your cash resources, but it has its downside. They offer 100% financing so you won’t have to make a down payment. A rocky start or even a prolonged hard spot can make it very difficult to buy a home of your own. You’ll owe nearly 100% of the home’s value. Find partner stores, We are partnered with major retailers that carry a wide range of brands for the items you can purchase with a Home Credit loan. Fannie Mae and Freddie Mac created the HomeReady and Home Possible Loan Programs to compete with low down payment mortgages. Fortunately, there are a number of lending programs that will let you buy a house that do not require a down payment. Check Out Our Top Picks:Best Mortgage Lenders of 2020. Both let you borrow money against the existing equity in your home. Boat Financing: How to Get a Boat Loan in 2020, Chime Bank Review: Mobile Banking Without the Fees, You’ll need a credit score of at least 680, One of the borrowers must be a first-time homeowner, Gifts, grants, and other funds may be used toward the down payment, A credit score of 500 or higher is required, If your credit score is 500 or higher, you’ll need a 10% down payment, If your credit score is 580 or higher, you’ll need a 3.5% down payment, Sellers can pay up to 6% of the closing costs. Home Credit currently finances: Gadgets (such as mobile phones, tablets and laptops) Home Appliances Electronics (such as TVs, HIFI and Cameras) Furniture Musical instruments, You can find us in more than 3,500 stores. This means that if you’re planning to purchase a $150,000 home, you’d need to come up with a $30,000 down payment. Check available brands, Interest varies depending on various factors such as the price of the item you want to buy, the down payment you can afford and your chosen payment terms. Buy now, pay later stores offer everything from clothing to home goods, appliances, furniture, and more. VA loans, backed by the Department of Veterans Affairs, and USDA loans, backed by the U.S. Department of Agriculture, require no down payment to qualified buyers. No credit card needed However, our web content may be different than the information you receive from a financial institution or service provider. Many lenders will let you buy a home by putting down as little as 3%. The remaining cost of your goods will be split into monthly installments. More details about our loans. Many people want to buy a home but think it isn’t possible because they don’t have money to put toward a down payment. Check your eligibility for free by answering these easy questions. 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domain: economics


ABIDJAN — Ivory Coast’s government has
ordered that 20% of cocoa purchases by multinational companies
tap here to see other videos from our team.
must be fulfilled by local firms in an effort to improve their
competitiveness, government spokesman Amadou Coulibaly said on
(Reporting by Ange Aboa
Writing by Alessandra Prentice;
Editing by Alison Williams)


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Curly Girl card - Good Dogs
Large card, 154 x 110 mm, blank inside. Printed in Australia on recycled card stock.
The artist -
American designer Leigh Standley (Curly Girl Design) was born and raised in St. Louis. Leigh began designing in seventh grade, where she got poor marks in Math class for doodling. She went on to attend University of Kansas School of Design and holds a BFA in Visual Communications. Her work has been featured in national design publications and regional art shows and is inspired by her incredible friends and family. Leigh has lived in Boston for over 13 years and likes it so much she only occasionally wishes it were Paris.


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Enjoy up to 50% when you purchase Hang-Qiao Hand online with iprice. 20pcs Hot Selling Charming Beauty Fashion False Nail Art Board Tips Stick Polish Foldable Display Practice Fan Color Swatches, Cosmetics Nail Polish Remover Resurrection Towel Nail Tools Green and Nail Art Pen Painting Design Tool Nail Polish Drawing Purple #10 are the most popular collection of Hang-Qiao Hand. If you are thinking twice about purchasing Hang-Qiao Hand, then check out other brands such as Orly, OPI and Sally Hansen. You can get great deals on Hang-Qiao Hand at iprice for ₱ 289.00 to ₱ 349.00! There are two types of Hang-Qiao Hand: Nails. Yellow, Silver and Red are just some of the most in demand colors of a Hang-Qiao Hand.


Mountain Bike Atlanta will be working with Coweta County to determine the feasibly of a network of “shared use” mountain bike trails at the Brown’s Mill battlefield site.
Coweta County has entered into a memorandum of understanding with the Southern Off Road Bicycle Association and Mountain Bike Atlanta, which is the local chapter of SORBA, to explore the development of multi-use trails on county-owned property.
MTB Atlanta already has an MOU with the city of Newnan, and many other cities and counties, including Carroll County, Carrollton, and Chattahoochee Hills, as well as Georgia State Parks.
Shared use or multi-use trails will be designed as sustainable mountain bike trails, but also open to hikers and runners, according to Chris Doane of MTB Atlanta and Bike Coweta.
Recently, MTB Atlanta invited several Coweta officials to a presentation at Cochran Mill Park in Chattahoochee Hills. The organization has worked with Chattahoochee Hills to design, fund and build 20 miles of mountain bike trails at Cochran Mill.
The presentation was to show what sustainable mountain bike trails can be, according to Doane. Several months ago, the organization learned that there could be the opportunity to help develop some shared-use trails at the Brown’s Mill site, which recently grew by 67 acres and has six miles of new running trails.
“The first step will be for MTB Atlanta to analyze the GIS data of Brown’s Mill to determine if there is an opportunity” for mountain bike trails, Doane said.
Coweta County has owned the main Brown’s Mill property, located on Millard Farmer Road, for several years, and an interpretive battlefield park opened in 2013. But when there aren’t special events taking place, the park gets very little use. That’s expected to change with the opening of the running trails.
And the property could get even more visitors with more trails. “By having the hiking trials and potentially mountain bike trails, what we are doing is basically adding amenities to a park that would make it more attractive to folks in Coweta County,” Doane said.
He said that when he talks to people about the possibility, most “have never been to Brown’s Mill or never knew it was there."
The MOU applies to all county property. “It opens it up so that MTB Atlanta could… talk with the county about other properties, with the hopes of actually building trails on other property the county owns,” Doane said.
MTB Atlanta is working with the state to develop a network of mountain bike trails at Chattahoochee Bend State Park, and eight miles of trails have already been flagged. The state has approved an eventual 20 miles of mountain bike trail development, Doane said.
Construction on the first eight miles is scheduled to begin this winter, he said. MTB Atlanta works to plan, design and help construct trails.
The organization is also considering several projects in the city of Newnan. Instead of large networks of trails, MTB Atlanta is considering smaller projects in the city, Doane said.
That includes potential “pump tracks,” which are small bicycle tracks, somewhat resembling BMX tracks, that are meant to be ridden with very little pedaling.
There are also opportunities to build short mountain bike trails that would connect to the LINC multi-use trail that the city of Newnan is constructing.
Near the first segment of the LINC, there is a 20 to 25 acre tract that the city owns, Doane said. MTB Atlanta has talked to the city about doing a pocket park there with some mountain bike trails that run parallel to the LINC.
Those trails could be a mini-excursion for people who are on the LINC and want to go off road a bit.
“From half an acre to hundreds of acres, there is potential opportunity under the MOUs with Coweta County and the city of Newnan,” Doane said. “There is potential to put in small little tracks and tracks in all kinds of different sites – anywhere the county thinks that would be a cool amenity to have for local folks."


EAST LYME, Conn. (WTNH) — A 32-year-old man has died in a chainsaw accident in East Lyme, according to Connecticut State Police.
Connecticut State Police Troopers say they were called to a location in East Lyme just before 1 p.m. Friday for a reported occupational accident. Troopers say a tree worker’s chainsaw struck a power line.
Donald Rutty, 32, was taken to Lawrence & Memorial Hospital where he died of his injuries.
Troopers say OSHA is investigating the accident. No additional information was available.


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Hemoglobin in an infant has indicators that differ significantly from those of an adult. The baby is born with a large supply of this protein in the blood – about 145-225 g / l.
This reserve, which experts call fetal, is extremely necessary for the maintenance of vital activity of all organs and tissues, because the baby is unable to independently obtain nutrients from food, and lactation is only improving.
As soon as the baby starts to apply to the breast, the hemoglobin level will begin to decline. After two weeks, the figures fall to 125–205 g / l, and for a monthly crumb this figure varies between 100–180 g / l.
Hemoglobin in infants: the rate of protein in the blood for each baby is individual. If the mother was carrying the pregnancy normally, the delivery was also successful, and the lactation was managed quickly, then small deviations from the normal values can be ignored. The body itself will replenish the supply it needs, if the mother’s nutrition is complete and balanced, and the child is applied to the chest on demand.
With regard to artificial feeding, then you need to find the right mix with your pediatrician and then there will be no cause for concern. Another thing, if a woman had problems with gestation, underwent a difficult childbirth: lost a lot of blood or suffered any diseases.
A woman still strictly monitors her blood hemoglobin level during pregnancy, because it delivers to the organs and tissues the oxygen they need so much, the lack of which may not in the best way affect the development of the fetus. After the appearance of the baby, these indicators continue to be actively monitored and, if a deviation from the norm is diagnosed, a decision is made to correct
Low hemoglobin – what to do
Low hemoglobin in an infant is dangerous in that it leads to oxygen starvation or hypoxia. Poor quality work of internal organs can lead to a delay in the development of the baby, both physical and mental. Symptoms of anemia are divided into primary and secondary.
The former are expressed in incessant weakness, decreased appetite and increased fatigue. Secondary symptoms are associated with an increase in temperature up to 37.5 ° C, dizziness, circles under the eyes, drowsiness, palpitations, dryness, and unhealthy pale skin.
If low hemoglobin is diagnosed in a newborn, then the mother of the baby who is breastfed must be leaned on foods rich in iron. This is primarily meat and liver, pomegranates, buckwheat, eggs, apples, beans, dried apricots, pumpkin seeds, peas, fish, apricots, nuts, etc. For the artificials it is necessary to choose a mixture additionally enriched with iron. Starting to introduce supplements, you also need to be the first to include in the diet foods in which there is a lot of iron.
The basis of the diet should be meat, fruits and vegetables. If the iron-containing diet does not bring positive results, the doctor may prescribe medication in the form of drops containing iron.
Causes of elevated hemoglobin and nutrition
As already mentioned, in children under the age of the indicators of the number of protein cells in the blood increased. In addition, due to a number of reasons, the body can throw all its forces on the enhanced supply of organs and tissues with oxygen, and then the hemoglobin will increase for a while and then return to normal.
We are talking about burns when damaged tissues are restored with the help of oxygen, or increased physical exertion. Kids living in the mountains also have elevated hemoglobin levels in the blood, but this is normal.
Another thing is if the baby has hemoglobin too much and there is no tendency to decrease. Then we can assume that there are any problems in the work of internal organs. Such unpleasant consequences can cause heart and lung failure, intestinal obstruction, blood disease, oncological diseases and congenital heart disease. Excess blood cells can disrupt the normal circulation of blood, increase its viscosity, and this is a direct way to blockage and the formation of blood clots. All this points to erythrocytosis, developing on the background of any disease. In this case, the baby is examined and proceeds to the treatment of the underlying disease.
At the same time organize its proper nutrition. If hemoglobin is elevated in an infant, then there is no question of taking blood thinners. Bet on doing food and drinking mode. Both artificials and babies need to drink more often with simple water, and even pediatricians are advised to put a humidifier in the children’s room. It is clear that foods rich in iron from the diet of mother and child are excluded completely. The basis of the diet should be vegetable food, cereal.
It is useful to walk a lot with the baby in the fresh air. That’s all the information about hemoglobin in young children. If neither path of the mother nor the child is revealed, then you should not worry about the deviations from the norm: these numbers will definitely return to the proper indicators.

domain: biology


KTM has launched the 250 Duke in India at Rs 1.09 lakh (ex-showroom). It is now upgraded with full LED headlamp unit with DRL’s, dual-channel ABS with Supermoto mode, all-new colours – Dark Galvano & Silver Metallic, and one-touch start functionality.
The quarter-litre KTM comes with high-end components like open-cartridge upside-down WP forks, slipper clutch, and pre-load adjustable mono shocks.
The BS-VI KTM 250 Duke is upgraded with “Supermoto” mode in its dual-channel ABS setup. With the advanced “Supermoto mode” which can be activated at the push of a button. When engaged, the Supermoto system only controls ABS on the front brake. Rear brake pressure is entirely up to the rider's right foot.
The addition of the aggressively styled split LED headlamp with attractive DRL’s on the KTM 250 Duke is a big highlight in this bike’s design and a clear referral to its big brother, the KTM 1290 Superduke R. Practical as well as looking ultra-mean, it produces outstanding visibility for riding in low light or dark conditions.


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Present by: The MMA Zone
The second smallest continent in the world, Europe contains a largely wealthy and extremely diverse community of cultures. In most peoples’ minds, it is probably not a continent particularly associated with indigenous martial arts. However, Europe has a long and fascinating martial arts history. As power-bases among civilizations came and went—often as a result of violent conflict and large-scale warfare—martial arts developed as a response to the environment in which warriors found themselves.

domain: geography


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What you need to know: This weblog captures key data points about the global telecoms industry. I use it as an electronic notebook to support my work for Pringle Media.
Tuesday, March 30, 2010
Softbank Plans Big Capex Increase
Softbank of Japan said it plans to boost its capital spending by 54% to 400 billion yen (4.3 billion US dollars) in the year ending March 31, 2011, according to Reuters. The wire service said Softbank plans to double the number of its base stations to 120,000. source: Reuters story

domain: news


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Leftover Ham? Make These 12 Recipes!
Have you heard the line about leftover ham from Joy of Cooking? "Eternity is a ham and two people," the classic cookbook states. (Some sources flipflop the order: "Eternity is two people and a ham." Doesn't really matter. You get the idea.) That's a relatable quote if you served up ham at your annual Easter lunch last weekend and now find yourself with several pounds of the prime protein.
You may be scratching your head to come up with tasty ways to make the best use of your prized pork. After all, a roll with sliced ham and Dijon mustard is good for an easy dinner or even a tasty breakfast, but if you want to really use up all your leftovers without being entirely bored, you need to think a bit creatively.
Here, we collected several of our best recipes that easily swap for the leftover ham you have.

domain: food


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The Original Ranch, Lakewood, New Mexico 59 degrees and mostly foggy rain to 65 degrees and rainy. Rain and wind over night rattling the awnings and a rainy day today. Not any real quantity of rain but there were puddles. A soaking type of rain, to get the weeds growing.
Mike went to MEWS (men eating without supervision) about five miles east of Artesia with me and then to Roswell. I needed a part for Buster at the RV dealer. We then went to Sam’s club and purchased a case of copy paper for the ranch office.
At four o'clock Bonnie and I went to happy hour at the ranch house.
I forgot to add pictures
You can see all of the important things are there in the cabinet.
This was the fire sunset in the west.
and this was in the east sky


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I only have Youtube videos to go from so far, but these guys really understand how to reconfigure the flow of the mind and the body into their musical instruments, taking your soul to the nostalgic locations of another life, of another time, of another you.
LONDON JAZZ FESTIVAL: John McLaughlin/Zakir Hussain - Remember Shakti
Royal Festival Hall
Thu Nov 21 2013
Time Out says
Posted: Mon Apr 22 2013
All-time great guitar maverick McLaughlin reunites with the greatest living tabla exponent, Zakir, to celebrate their 40-year personal and musical relationship. The duo revisit their delicious fusion of eastern and western music, with help from vocalist Shankar Mahadavan, U. Shrinivas on mandolin and V. Selvaganesh on kanjira, ghatam and mridangam. This is a rare opportunity to witness the staggering interplay between these two masters first hand. Expect blistering, edge-of-your-seat improv and astounding virtuosity.


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I see that Peter Petri and Michael Plummer (PP) have responded to my blog post on their models projections for the TPP. In essence, they minimize the concern that the TPP or even trade deficits more generally can lead to a prolonged period of high unemployment or secular stagnation to use the currently fashionable term.
Dealing with the second issue first, they argue:
“While trade agreements include many provisions on exports and imports, they typically contain no provisions to affect savings behavior. Thus, net national savings, and hence trade balances, will remain at levels determined by other variables, and real exchange rates will adjust instead.
“A similar argument applies to overall employment. The TPP could affect employment in the short run — a possibility that we examine below — but those effects will fade because of market and policy adjustments. Since there is nothing in TPP provisions to affect long-term employment trends, employment too will converge to these levels, as long as adjustments are completed in the model’s 10 to 15 year time horizon.”
In short, PP explicitly argues that trade agreements neither affect the trade balance nor employment as a definitional matter. They argue that the trade balance is determined by net national savings. They explicitly disavow the contention in my prior note that we cannot assume an adjustment process that will restore the economy to full employment:
“In fact, critics of microeconomic analysis often challenge the credibility of market adjustment even in the long term. Dean Baker (2016) argues, for example, that mechanisms that may have once enabled the US economy to return to equilibrium are no longer working in the aftermath of the financial crisis. But the data tell a different, less pessimistic story (figure 1). Since 2010, the US economy has added 13 million jobs, a substantial gain compared to job growth episodes in recent decades, and the US civilian unemployment rate has declined from nearly 10 percent to under 5 percent. The broadest measure of unemployment (U6), which also includes part-time and discouraged workers, has declined almost as sharply, from 17 to 10 percent, and is now nearly back to average levels in precrisis, nonrecession years.”
As I noted in my original blog post, the PP analysis is entirely consistent with standard trade and macroeconomic approaches, however these approaches do not seem credible in the wake of the Great Recession. The standard view was that the economy would quickly bounce back to its pre-recession trend levels of output and employment. This view provides the basis for the projections made by the Congressional Budget Office (CBO) in its 2010 Budget and Economic Outlook (CBO, 2010). These projections are useful both because they were made with a full knowledge of the depth of the downturn (the recovery had begun in June of 2009) and also because CBO explicitly tries to make projections that are in line with the mainstream of the economics profession.
The figure below shows the projected path of GDP in billions of 2009 dollars from 2010 to 2016 compared with the actual path.
Source: CBO and BEA.
While PP implies that recovery has pretty much set everything back to normal, the data do not support this contention. Output in 2015 was $1,330 billion (in 2015 dollars) below the level that CBO had projected in 2010. This is a loss in output of $4,180 per person. The cumulative gap between the path projected by CBO and the actual path of the economy was $3,810 billion or $11,940 per person.
The recovery in employment was also much slower than CBO had projected. Employment February of 2016 is almost 6 million below the level projected in 2010 by CBO. The weakness of the labor market has also been associated with a large redistribution from labor to capital. CBO projected that the labor share of GDP would be 0.8 percentage points higher in 2015 than was in fact the case. The lost output combined with the redistribution from wages to profits implies a loss of wage income of $1040 billion in 2015 or an average of $7,460 per worker.
To put this loss in perspective, this loss of wage income would have the same impact on the aggregate take home pay of worker as an increase in the Social Security tax of 14.3 percentage points, which would more than double the current level. (Most of this loss is due to fewer people working, not lower wages.) Given the actual path of the recovery from the Great Recession, it defies reality to assert that we don’t have to worry about a trade deficit creating a gap in demand and higher unemployment. Can anyone doubt that if the annual trade deficit had been $300 billion lower (@ 2 percentage points of GDP) over the last six years that we would have seen far more employment and higher wages?
Before the Great Recession few mainstream economists took seriously the possibility that major economies could suffer from long periods of inadequate demand which depress employment. This is no longer true, as many of the world’s most prominent economists, including Paul Krugman, Larry Summers, and Olivier Blanchard, openly wrestle with the problem of secular stagnation. If economies can suffer from a chronic shortfall in demand then there is no mechanism to automatically replace the demand lost as a result of a larger trade deficit.
After dismissing the idea that trade in general can lead to lower levels of output and employment, PP argue that in any case the TPP is too small to have a noticeable impact on employment and wages. While noting the work of Autor, Dorn, and Hanson, which did find a substantial impact on employment and wages as a result of imports from China, PP argue that this impact was not due to trade per se, but rather a:
“massive surge in net capital inflows into the United States.”
This should not provide much basis for complacency about the impact of the TPP. A massive surge of net capital flows is by definition the flip side of a large rise in the trade deficit. One implies the other. Of course none of the standard trade models predicted the massive increase in the trade deficit that we saw in the decade following 1997. They are not designed for that purpose. By design, the sort of model employed in the PP analysis can tell us nothing about whether we should anticipate a “surge” in capital inflows following the passage of the TPP. There are two reasons that we should be concerned about the impact of the TPP on the size of the trade deficit and therefore overall levels of employment.
First, the TPP limits the ability of the United States government to pressure countries over their currency policy. In principle, the U.S. government can use tariffs and other measures to retaliate in a situation where it has determined that a foreign government is deliberately depressing the value of its currency to gain a trade advantage. Its ability to apply such measures will be sharply curtailed by the rules in the TPP. This means that if one of the countries in the agreement chooses to hold down the value of its currency by buying massive amounts of dollars, the U.S. government will be less well positioned to pressure this country to change the policy.
The other reason that the TPP should raise these concerns is the failure to include rules on currency in the agreement itself. The TPP has been one of the biggest items on the Obama administration’s trade agenda in its two terms in the White House. If it chose not to address the problem of currency management in this agreement, it is difficult to see where it or a future administration will take up the issue. Access to the TPP was an important potential carrot to many of the parties.
For example, PP project that Vietnam will see a gain of 8.1 percentage points to its GDP in 2030 as a result of the deal. This could have been a very large carrot with which to persuade Vietnam and other countries to accept enforceable rules on currency management. By not including such rules in the TPP, the United States is losing an important opportunity to prevent the sort of surges in capital inflows that led to the explosion of the trade deficit in the decade from 1997 to 2007. This concern is amplified by the fact that the TPP is quite explicitly designed to be expandable so that it may include major countries like India and China at some future date. For this reason, the failure to include enforceable rules on currency may turn out to have large impacts on the trade deficit, employment, and wages.
There is one other point in the debate over the TPP that deserves emphasis. The model used by PP assumes that the TPP does not affect the overall trade balance, but it does change the composition of trade. While this may not prove accurate for reasons I noted, it is worth noting one of the implications of this assumption. The TPP is quite explicitly designed to increase the amount of money that U.S. pharmaceutical companies collect from other countries for their drug patents and forms of intellectual property. It also should increase the amount of money that Microsoft and other software companies collect for their copyrights, as well as the sums that Disney and the rest of the entertainment industry collect for their intellectual property.
Using the PP analysis, if these industries collect more money for their patents and copyrights, manufacturing and other sectors must collect less for their output. In other words, if the pharmaceutical, software, and entertainment industry see their foreign revenue rise by $40 billion as a result of the TPP, then our trade deficit in other sectors must increase by $40 billion.
This amounts to a redistribution of income from manufacturing and other sectors to the pharmaceutical industry, the software industry, and the entertainment industry. Given recent trends in inequality, this may not seem like an appropriate goal for public policy at the moment.
Note: Some of the numbers in this post were corrected from an earlier version.
 The projections are taken from the data for Table C-1.
 This calculation is based on the projection of potential labor force growth in CBO (2010 Table 2-2) and the projection that the unemployment rate would be 5.0 percent in 2016.
 The dollar soared in value following the East Asian financial crisis as developing countries began to accumulate foreign reserves on a massive basis. This meant that instead of capital flowing from rich countries to poor countries, as the textbook story predicts, large amounts of capital flowed from poor countries to rich countries (Baker and Walentin 2001). This surge in capital inflows led to an explosion in the size of the trade deficit from just over 1.0 percent of GDP in the mid-1990s to a peak of almost 6.0 percent of GDP in 2005.

domain: finance


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Considering Bethesda only showed us some scenes from The Elder Scrolls 6 reveal last summer, featuring a beautiful natural landscape with some ruins on a hill, there isn’t much we could build on it to get a sense of what we’ll experience in the next game. Unfortunately, there is no release date announced by Bethesda, but considering they will have to launch Starfield before that, we might be able to get The Elder Scrolls 6 beginning with 2020 – and that is the best case scenario.
We could look back in time at the previous Elder Scrolls installments and how they continue the story.
What to Expect from The Elder Scrolls 6: Striking From the Shadows?
Will we miss the entire fall of the Empire? If Bethesda decides to make a large leap in time, we might completely miss the possible war between the Empire and the Dominion. This means that the storyline has infinite possibilities. We might play in a world taken over by the Aldmeri Dominion. Players could start the game as underground rebels against the Dominion and prepare to strike from the shadows. It’s nothing far-fetched if we look at the Blades in Skyrim.
The interesting part is that if we see the Empire fall, the world of Tamriel will be very different. What we know for certain is that we will see at least glimpses of the Empire, since it has been in all Elder Scrolls games. Nonetheless, the Empire kept declining in each game, so we might be actually witnessing the collapse.
And here is where it gets exciting.
If the Empire meets its downfall, we will see a new world map, and new nations – something we believe the game’s writers would strive to, as it’s a fruitful plot.
What we know is that Bethesda should do well and begin teasing the Elder Scrolls 6 sooner than they’d want to, considering all the unhappy Fallout fans.
Agnes is a technical writer, being in touch with reports to come up with the latest tech leaks.

domain: game


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If you are looking for opportunities to specifically engage health professionals and reach out to the melanoma community, MPA offers a unique opportunity to sponsor events throughout Australia.
These events range from local patient forums through to our annual gala dinner or our annual national awards.
MPA is committed to ensuring that sponsors receive value that is meaningful to them. Please talk to us about your marketing objectives and the budget you are working within. We believe in authentic partnerships, with aligned goals and the facilitation of an effective pathway for you to engage with our networks. This pathway may look different for every sponsor and we invite you to let us know your preferred benefits which may include logo placement, product placement, tickets, naming rights, workshops, EDMs, advertising or activations.
We look forward to developing partnerships that align with both our values and deliver a social return on investment. If you would like to discuss ways we can work together to help reduce the impact of melanoma, through financial or pro bono support, please contact MPA at email@example.com or 1300 88 44 50.
MPA is incredibly grateful to the organisations whose generous support, contribution and services allow MPA to continue to support and represent those impacted by melanoma.
In honour of a young Physiotherapist, Adam Smiddy, who died from melanoma, aged 26, Smiling for Smiddy riders, triathletes, swimmers and supporters, have raised over $7 million for cancer research and support. These funds have helped enable some of the breakthrough research discoveries that have the potential to change, and save people’s lives in addition to support and care services for people living with melanoma. Find out more about Similing for Smiddy
Australian Skin Cancer Clinics (ASCC) aim is to provide Australians with a caring, efficient and accessible service for early detection, diagnosis, treatment and management of skin cancer in the primary setting. ASCC began in 1999 and has expanded to over 20 clinics in New South Wales, Queensland, Victoria and Western Australia and is continuing to grow rapidly. ASCC is also active in promoting skin cancer awareness and prevention.
The commitment of ASCC to early detection of melanoma to improve mortality rates ties in well with MPA’s vision to reduce the impact of melanoma on all Australians.
Cooper Grace Ward is a leading Queensland-based law firm servicing clients with a local, national and international presence. The firm has provided Melanoma Patients Australia with a wide-range of pro-bono legal services including employment, commercial and corporate and not-for-profit since our corporate partnership began.
The members of the Australian Sailing Team are ambassadors for MPA with the aim to raise Melanoma awareness around protection and early detection and 10% of all AST merchandise is donated to MPA.
Yachting Queensland is the peak body for all forms of sailing in Queensland. Yachting Queensland is committed to the health and development of Sailing as a sport and recreational activity in Queensland.

domain: medical


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In the chaotic aftermath of World War II, as Japan relinquished its hold on Indochina, French forces seeking to reestablish control over their colony confronted a rising independence movement led by the Viet Minh, a coalition of nationalist groups under the command of communist leaders. Strongest in northern Vietnam (then known as Tonkin), where Ho Chi Minh had established the Democratic Republic of Vietnam in September 1945, the Viet Minh attacked French positions throughout the north in December 1946, initiating the First Indochina War.
The French command in Indochina, governed by the principle that “every blow to the opponent in the north weakens him in the south,” believed that war in the southernmost region of Vietnam (Cochinchina)—the “centerpiece” of France’s position in Southeast Asia—would be won by destroying Viet Minh main force units in northern Vietnam. Despite the often-superb performance of French arms, a disastrous defeat at Dien Bien Phu in Tonkin on May 7, 1954, meant not only the loss of the north but also the end of France’s entire colonial empire in Indochina.
In Cochinchina, however, the First Indochina War ended very differently. French commanders, lacking the resources to pursue a high-intensity main force war, largely eschewed chasing Viet Minh units and instead pursued a limited, “resource constrained” approach designed to conserve resources and secure vital economic areas and government centers. That strategy, argues William Waddell in his book In the Year of the Tiger, allowed France to defeat Viet Minh main force units in Cochinchina and preserve the nascent Franco-Vietnamese state in the south.
“Conventional operations in Tonkin were, on the main, intended as a way to beat the Viet Minh, to force a peace,” Waddell writes. “By contrast, in Cochinchina conventional operations after early 1948 generally had as their immediate objective the destruction of transit sites, the degradation of material resources. [The French] were trying to let their own position breathe by keeping Viet Minh bands back and the roads open.”
Eventually the French position in Cochinchina began to crumble. Continued demands for manpower in the north, coupled with an ever-expanding Viet Minh main force in the south, compelled the French to abandon large swathes of the region in the summer of 1947. Gen. Pierre Boyer de Latour, hastily dispatched to Indochina that summer, concluded that his forces had to prioritize the political and economic core of Cochinchina, which included Saigon and surrounding areas.
Waddell, exploiting an extraordinary array of French-language sources, recounts the minimalist strategy Latour and his successor, Gen. Charles-Marie Chanson, adopted while reversing French fortunes on the ground in the south. Pragmatic veterans of colonial warfare, the two commanders erected a system of defenses, raised local recruits, forged alliances with powerful religious sects and used their ground and riverine forces to impose a devastating economic blockade on the Viet Minh. These measures complemented the short, sharp raids French mobile forces mounted against the enemy’s rice stockpiles and arms manufacturing facilities.
Rigidly committed to Maoist theories on revolutionary war, the Viet Minh—under charismatic communist leader Gen. Nguyen Binh—launched a massive “general offensive” in 1949-50. Binh’s well-armed, well-trained battalions attacked the very center of Cochinchina, threatening French power in the region. Chanson, however, crushed the enemy offensive by the end of 1950 and in a stroke won the Cochinchina part of the war, as Waddell deftly explains.
Significantly, In the Year of the Tiger examines this unheralded French victory within the context of the Cold War. “The American war for Vietnam and the context in which it would be fought would be determined by the dynamics of French success during the First Indochina War,” Waddell writes. “Had France lost both northern and southern portions of the country, the American war for South Vietnam might not have occurred at all.”
Waddell also challenges aspects of the existing orthodoxy—that a communist victory was inevitable, an independent “South Vietnam” was little more than a historical aberration—and in so doing presents a thoroughly illuminating, refreshingly balanced interpretation of the French war for Indochina.

domain: library


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Medical-Grade Chemical Peels
Deep Exfoliation for Anti-Aging and Skin Rejuvenating Results
Interested in Chemical Peels in Cincinnati? Transform Medspa offers a range of chemical peels personalized for the type of skin and the focused treatment it is done for. Whether administered as a stand-alone treatment or to complement other procedures, medical-grade chemical peels can be an extremely effective method for addressing challenges associated with aging, dull, or acne-prone skin. At Transform Medspa, we have curated a collection of our favorite medical-grade chemical peel treatments based on efficacy, safety, amount of downtime, and short and long-term results.
There are a variety of medical-grade chemical peels available for deep, thorough penetration of the skin; however, they vary by formula and effect. As a rule, Medical-Grade Chemical Peels use an acid solution to remove dead and damaged upper layers of the skin to smooth and refine its texture and tone.
Medical-Grade Chemical Peels can address:
- Large Pores
- Acne Scarring
- Sun Damage
- Uneven Skin Tone
- Overall Skin Texture
- Mild-to-Severe Acne
- Fine Lines and Moderate-to-Severe Wrinkles
Transform Medspa Medical-Grade Peel Menu
Jessner peel is a popular medium-depth chemical peel that works to improve skin health by helping remove and heal skin damage that is more extensive than regular “wear and tear.” This skin care treatment is stronger than most superficial chemical peels, and therefore creates more temporary damage to the skin in the process. The Jessner peel consists of three main ingredients: lactic acid (assists in the exfoliation of the skin), salicylic acid (aids in penetration), and resorcinol (assists in the treatment of acne).
The VI Peel consists of a synergistic blend of five acids that no other peel offers:
- TCA – Trichloroacetic Acid for penetration, deep scar healing;
- stimulates collagen growth;
- Retin-A – an acid derived from vitamin A to combat wrinkles;
- Salicylic Acid – this beta hydroxy acid (BHA) is an exfoliant;
- Phenol – has antiseptic and anesthetic properties;
- aids in skin penetration;
- Vitamin C – ascorbic acid has antioxidant and mild exfoliation properties
- The VI Peel is safe for all skin types and ethnicities;
- It is the only peel safe to use on the eye area, neck, chest and hands;
- No skin preconditioning is necessary. See pre- and post-peel skin care, below;
- It is virtually discomfort free. Clients typically experience a warm, tingly sensation that quickly subsides;
- There is little or no downtime. The actually peeling process lasts 2 to 3 days, and is easily managed with the post-peel kit that is included with the peel;
- You’ll see beautiful results in just one week.
Customized Acne Peel
This treatment involves cleansing, extractions and Salicylic 20% peel. This is very effective for Acne prone skin , whiteheads and Blackheads. This treatment is offered a series of 4 treatments 1 month apart.
Visit Transform Medspa Today
Dr. Atluri is one of Cincinnati’s leading experts in Vaser Liposuction, Smartlipo, and Skincare. Call 513 793 6100 for a free lipo consult with Dr Atluri today!

domain: chemistry