The Vaquero Art of Paul Sollosy: Lest We Forget.
American West artist Paul Sollosy spent his life creating art that represented the horses, ranches and cowboys he'd been around his entire life. As revered as the underground artist was, he was never represented in a gallery.
Tailing, ink and pen, by Paul Sollosy. Courtesy of the Sollosy family.
There is something about riding out in the early morning. The smells and light are special that time of day, as there is a crispness that seems to amplify the senses. The only sounds are the songs of morning birds and the music of spur rowels and rein chains. During his 101 years, working cowboy artist Paul R. Sollosy had experienced many a morning long trot to the works. For more than 60 years he was dedicated to depicting the life of the cowboy in his art, mostly subjects from his own experience — the outfits, the horses, and the cowboys he had worked with all his life. He was one of the most "quietly collected" artists of the American West and was never represented by a gallery.
Paul Sollosy working on Vaquero Fun in 2008 when was 97 years old. Photo by Blaine McIntyre.
Born in 1911, native Californian Sollosy began cowboying in 1926 in the Simi Valley area of Southern California. Back then it was ranching country, and Sollosy found work at a number of ranches in the region. Later he went to work in Los Alamos, a tiny Western town in the heart of central California's Santa Barbara County. On those Southern and Central California ranchos, Sollosy met and befriended many working vaqueros, who shared with him their time-woven expertise with cattle and horses. He learned the ways of the bridle horse, long reata and spade bit. For a young cowboy, it was an apprenticeship with living history.
Skilled Labor, oil on board, by Paul Sollosy. Courtesy of the Sollosy family.
Paul Sollosy at his home in Tucson, Arizona, at age 100. Photo by Jay Dusard.
And right they are: Few artists have depicted proper horse conformation, headset and gear as accurately as Sollosy. It was a skill honed mostly from time and observation. Principally self-taught, he spent a short time in art school in Los Angeles, but his life-drawing instructors couldn't keep him directed on the models. He kept drawing horses on the edges of his paper. Such was his single-mindedness that his mother managed to arrange a meeting in Los Angeles, California, between her young son and one of his powerful influences, cowboy artist and writer Will James. L.A. proved good for the developing artist. Sollosy found work to support the time needed to grow his art skills. In the '30s, he worked for a number of different saddle shops, including Litchenberger-Ferguson and Hollywood Saddlery in Los Angeles, and later Jedlicka's Saddlery in Santa Barbara.
Best Not, watercolor, by Paul Sollosy. Courtesy of the Sollosy family.
And he did, right up to the end. Paul Sollosy passed away at 101 in San Diego California in 2012.
Scattering the Riders, oil on board, by Paul Sollosy. Courtesy of the Sollosy family.


An elevated slow feeder dog bowl is a bowl which is used to prevent your dog to eat so fast. The slow feeder dog bowl will inhibit your lovely pet to gulp all of the feed. This thing will also useful to maintain your dog's health.
A regular dog bowl which is placed on the floor will provide certain difficult for your dog to eat. They have to gulp the feeds all the way. That's the worst way to enjoy the feed for your dogs. Conversely, the elevated feeder will enhance your pet's experience in eating. They can enjoy their lunch time instead of gulping the feed immediately. Here are reasons why you have to choose elevated feeder dog bowl.
Large dog breeds are recommended to utilize the elevated feeder. Certain medical situation becomes the main reason why they have to apply the elevated slow feeder dog bowl. It mostly reduces the bloat for the larger breed dogs.
Your dogs will have ease of access to its drink and feed. It will facilitate the movement of the food and drinks from the mouth to the stomach smoothly. Moreover, it will reduce the strain on your dog's neck, hip, and shoulders, and joints. It enhances the dog's posture which is an important aspect for the advanced age dog growth.
Applying the elevated feeder dog bowl maintains a clean level of the feeding area. Instead of placing the feed bowl on the floor which makes the floor dirtier, the elevated feeding bowl will diminish the chance of spilled feed on the floor.
Several dogs found joy splashing water out of their bowl. Utilizing the elevated slow feeder dog bowl will prevent your dog to splash out the water inside its bowl. Consequently, their sloppy behavior could be minimized by using elevated feed dog bowl.
Raised feeder dog bowl will make provide you with ease of access to. You don't have to bend down when filling the feed inside your dog's bowl. This will effectively vanish unnecessary strain for your back and body.
The raised dog bowl also provides easiness for your pup. They will enjoy the feeding time instead of chasing their feed. Most pets that use a regular dog bowl play with their feed instead of eating. This will promote a cleaner environment of your pup feeding area.
Elevated dog bowl will not slide across the floor. The sliding dog bowl will make your dog difficult to eat its feed. It will also make your dog difficult to drink its drink. Several elevated feeder dog bowl is already equipped with rubber that will enhance the grip on the bowl and prevent it from sliding.
That's all about elevated slow feeder dog bowl's benefits. You may consider that aspect in order to provide a better situation for your dog and cleaner room. Dare to try the raised feeder dog bowl now?
← 4 Must-have Auto Fill Dog Water Bowl, Descriptive Reviews!


Spelling autocorrect features tend to be divisive, with Mac users usually either loving it or hating it. Most Mac users know they can easily turn off autocorrect through an OS X system preference change, but the System Preferences are only accessible from the graphical interface of a Mac. If you're wanting to automate the enabling or disabling of autocorrect for systems configuration or setup script, you may find it useful to know that you can not only check the active status of autocorrect, but also disable and enable autocorrect from the command line in OS X by using a defaults command string. This can be great in configuration and it can also be handy for making remote changes too.
This works in all versions of OS X that include the autocorrection of typos feature, including OS X Yosemite and OS X Mavericks. The command line approach to this is obviously intended for advanced users who would have good reason to use the terminal to modify a system setting that is otherwise toggled with the "correct spelling" setting instead.
If you see a 1, autocorrect is on, and if you see a 0, it's off. Binary.
The change should carry over to all apps instantly and not require a reboot, though some apps seem to be a bit more stubborn and relaunching them may be necessary. Two notable exceptions that need to be handled separately are Pages and TextEdit, which use an additional separate correction mechanism for typos and grammatical errors.
Do note this change will also appear within the System Preference panel setting, so if you turn it off in the command line then the spelling correction feature will appear off in the Keyboard settings too, and vice versa.
Again the changes will take effect immediately and not require a reboot, and the setting adjustment will carry through into the GUI based system preference panel as well.
In OS X before 10.9, you could add text substitutions for things like "ht e" or "i" to be auto fixed as typos. But since 10.9, Apple silently changed the rules and blocks spaces and any single character fixes.
Any way to adjust these from terminal and restore that functionality?
Would be nice to be able to fix the awful autocorrect functions on the iPhone, can't stand it. Never says what I want it to, maybe better to just turn it off if it was even possible.
Alan, iOS and OS X share the same list. It's a file you can edit on OS X in TextEdit. I've done it in the past. I forget the details about where it's located now, but you can Google for it.
I went in and fixed some of the things it thinks it was fixing.
You can also reset it in iOS and start over again.
for Yosemite the command changed.
Actually you have to add it and use both..


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Three Lanes of Capital Beltway Will Temporarily Close Thursday Night
Emergency guardrail repairs expected to be complete by early Friday The Maryland State Highway Administration (SHA) announced that three lanes on the inner loop of the Capital Beltway (I-495) between River Road (MD 190) and I-270 will close Thursday, Jan. 16 so repairs may be made to the guardrail. Highway crews will close one lane […]
October 25, 2019 | Hannah Dalsheim
If You're Heading Downtown for the World Series Game, Here Are Some Transportation Tips
The World Series is back in Washington D.C. for the first time in 86 years. 40,000 plus people will be attending Game 3 tonight which is scheduled to start at 8:07 p.m. but there will be thousands of others in the vicinity of the ballpark at restaurants, bars or just hanging around. D.C. officials are […]
Montgomery Parks to Close Portions of Sligo Creek Parkway for Tree Removal
Montgomery Parks will close down portions of Sligo Creek Parkway this week to remove hazardous trees throughout Sligo Stream Valley Park. The closures are scheduled for 9 a.m.-3 p.m. on the following days: Tuesday, August 20 from Piney Branch Road to Kennebec Avenue. Wednesday, August 21 from Maple Avenue to Carroll Avenue. Monday, August 26 […]
Weekend Lane Closures Near NIH Planned
The Montgomery County Department of Transportation will close two northbound lanes of Rockville Pike (MD 355) between Woodmont Avenue and Center Drive, near the Medical Center Metro Station, NIH, and the Walter Reed National Military Medical Center at Naval Support Activity Bethesda, according to a notice from the BRAC coordinator office of Montgomery County Executive […]
April 12, 2017 | Sonya Burke
UPDATED: Hundreds of People Attend Funeral Services for Firefighter Rick Gentilcore (VIDEO)
UPDATED Hundreds of people, including County Executive Ike Leggett and County Councilmembers Marc Elrich and Sidney Katz, attended funeral services for firefighter Rick Gentilcore at Covenant Life Church in Gaithersburg on Wednesday afternoon. It was an emotional goodbye for his colleagues, family and friends. "We honor him for his service," said Leggett at the service. "He […]
October 24, 2016 | Staff Writer
Street Beat: Southbound 355 Ramp to I-495 to Close Tonight Until Early Tuesday Morning
The Maryland State Highway Administration (SHA) announced that the Southbound MD 355 (Wisconsin Avenue) ramp to the Inner Loop of I-495 will close tonight until 5 a.m. Tuesday for resurfacing. According to a news release, drivers should use southbound MD 355, turn left on Jones Bridge Road, turn left on MD 185 (Connecticut Avenue) and […]
Street Beat: Update on Carroll Avenue Bridge Closure in Takoma Park (VIDEO)
In Takoma Park, Carroll Avenue is closed to traffic at the Sligo Creek bridge. The Maryland Department of Transportation's State Highway Administration will use electronic message boards to guide traffic.
July 24, 2016 | Sonya Burke
Street Beat: Carroll Avenue Bridge Construction in Takoma Park
As part of the $12 million Carroll Avenue bridge rehabilitation, the Maryland Department of Transportation's State Highway Administration (SHA) will close Carroll Avenue between Jefferson Street and Flower Avenue beginning this week in Takoma Park. "The Carroll Avenue Bridge will close on the morning of Monday, July 25 and remain closed for a period of […]
March 28, 2016 | Sonya Burke
Five Things to Know Today, March 28, in Montgomery County
The National Weather Service has issued a Wind Advisory for Montgomery County, effective later today. Here are five more things to know today, March 28, in Montgomery County: 1. The State Highway Administration is scheduled to temporarily close a portion of Sligo Creek Parkway in Takoma Park for steel beam deliveries beginning at 9 a.m. […]
March 27, 2016 | Staff Writer
SHA to Close Portion of Sligo Creek Parkway in Takoma Park
As part of the Carroll Avenue bridge reconstruction project, the Maryland State Highway Administration (SHA) will temporarily close and detour traffic on a one-third mile section of Sligo Creek Parkway beginning at 9 a.m. on Monday morning. Crews are scheduled to reopen the roadway by 3 p.m. The closures, between Old Carroll Avenue and Maple […]
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Police Seek Help in Finding Missing Wheaton Teenager Montgomery County Department of Police are asking for help in locating a missing teenager from the Wheaton area. Hayde Sarai Torres Cruz, age 16, was last ...
Second Pedestrian Fatality of 2020 Being Investigated It's only two weeks into the new year and already two Montgomery County residents have died after being struck by cars on county streets. Montgomery County ...
Three Lanes of Capital Beltway Will Temporarily Close Thursday Night Emergency guardrail repairs expected to be complete by early Friday The Maryland State Highway Administration (SHA) announced that three lanes on the inner loop of the ...
UPDATE: 15-Year-Old Missing From Wheaton Located Safe and Unharmed Update (1/15/20): Cristal Nelly Tavara Samaniego has been located safe and unharmed. Original post (1/13/20): Detectives with the Montgomery County Police Department are asking for the public's ...
With Radon at High Levels, Officials Urge Residents to Take Action Montgomery County Executive Marc Elrich and other officials recognized January as Radon Action Month before the county council on Jan. 14. The county's Department of Environmental ...
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redpajama_set_name: RedPajamaCommonCrawl


Don't miss this island! Even with an amazing itinerary, it was a highlight! Take the city center bus at the end of the pier. For 15 euro they will drop you off in front of the Cathedral,you can walk blocks to the Arab baths and enter for only 2.50 euro and walk the neighborhoods for amazing tapas and quaint shopping! The roads are very clearly marked. There is an old church Near the baths, Santa Eulalia in which you can climb their very old bell tower and look out at the entire city and Spanish roof tops. Them you enter the basilica. just gorgeous! My husband and boys loved the climb and view. It felt like a hidden gem and I highly recommend it!!!
LOVED Mallorca!! Walked right off the boat and rented e-bikes. Rode all over the city. There is a fabulous bike and walking path around the whole shore line with amazing views and cafes etc. throughout your ride. There are castles and cathedrals and lots to see. It was our favourite port!! Great way to end a busy week!
Shopping and open top hop on - hop off bus tour with 18 stops.
Really surprised by how beautiful Palma was. Lovely place, so much to do and see. Also really easy to get around so you don't need to do an excursion.
One trip highlight....We rented e-bikes at the port entry (little kiosk with normal bikes on the left and ebikes on the right....they weren't advertised as ebikes) and cycled an unbelievably easy 35km along the fantastic cycle path the shoreline pay many little beaches and refreshment stop offs.
Rented bikes and road down the beautiful bike paths along the shoreline. Very inexpensive (less than $100 for our family of 6) and one of our favorite excursions of the entire cruise.
The ship docks here on a Saturday. Arrange for the shuttle bus and take advantage of the craft market near the drop off point. You'll get unusual and more useful and memorable souvenirs there. After that grab some tapas along the main roads and wander the alleys to find your own memories.
I love to go to the beach on vacation and this was really the only port that had a nice beach (Playa Major or something like that) that was a cheap taxi ride away from the port. It was a beautiful, sunny day and a perfect way to spend our last day just lolling on the free public beach with free citywide Wifi!
Visited Palma Cathedral and walked through the city. A lot of small shops and places to see in Palma de Mallorca.
We took a trip on the beautiful old train from Palma up to Soller. It was so incredible and beautiful countryside. Soller is also a pretty town with shopping and sites.


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Ethnee Patricia Shields AM
Died: 27 March 2006
Ethnee Patricia Shields was born in Launceston on 27 November 1920. She grew up on the Clarendon Estate at Nile, where her father worked. Ethnee married John Shields and they had two children.
After obtaining a Bachelor of Arts, Ethnee taught French at the Methodist Ladies College for many years. She was very involved in her church and was a member of the Catholic Women's League.
Ethnee's contribution to raising awareness and reducing the stigma of mental illness began with her own battle with schizophrenia. She became a founding member of the Association for Relatives and Friends of the Mentally Ill (ARAFMI), and following her retirement from teaching, committed herself to the organisation. Ethnee then spent 20 years advocating for change in community attitudes and worked tirelessly to build support networks for the mentally ill and their relatives. This was particularly important when mental health services were deinstitutionalised, with many mental health patients requiring understanding and support in the community.
Ethnee's work with ARAFMI included lobbying both the State and Commonwealth governments, producing written information, including newsletters, to educate the wider public on mental health issues and establishing the first telephone befriending service in Tasmania manned by carers of the mentally ill. For many years, Ethnee also served on the national Consumer Advisory Group for the Mentally Ill. In 1992, ARAFMI received a Tasmanian Human Rights Award for humanitarian activities.
Ethnee was awarded a Member of the Order of Australia in 1996 for her service in the field of mental health, particularly through ARAFMI and the national and Tasmanian community advisory groups on mental health. Ethnee died on 27 March 2006 in Launceston.


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Q: HTTPS issues using cloudflare and ubuntu 16.04 LEMP WordPress First, let me say that I am new to sysadmin stuff, and this is a site I am using to gain practice and experience.
I have an SSL through cloudflare, and i have uploaded it to /var/ssl/ssl.pem and /var/ssl/ssl.key. I changed the folder permissions to chmod 700 /var/ssl.
I can access my site via http://165.227.182.40/ and http://aaronstone.io/ but not https://aaronstone.io/
sudo ufw status returns:
WARN: / is group writable!
Status: active

To                         Action      From
--                         ------      ----
22                         LIMIT       Anywhere
443                        ALLOW       Anywhere
80                         ALLOW       Anywhere
443/tcp                    ALLOW       Anywhere
22 (v6)                    LIMIT       Anywhere (v6)
443 (v6)                   ALLOW       Anywhere (v6)
80 (v6)                    ALLOW       Anywhere (v6)
443/tcp (v6)               ALLOW       Anywhere (v6)

netstat -atpn shows
Proto Recv-Q Send-Q Local Address           Foreign Address         State       PID/Program name
tcp        0      0 127.0.0.1:3306          0.0.0.0:*               LISTEN      1392/mysqld
tcp        0      0 0.0.0.0:80              0.0.0.0:*               LISTEN      6504/nginx -g daemo
tcp        0      0 0.0.0.0:22              0.0.0.0:*               LISTEN      1621/sshd
tcp        0      0 127.0.0.1:60484         127.0.0.1:3306          ESTABLISHED 5338/sshd: root
tcp        0      0 165.227.182.40:22       63.131.219.239:58963    ESTABLISHED 5338/sshd: root
tcp        0      0 127.0.0.1:3306          127.0.0.1:60484         ESTABLISHED 1392/mysqld
tcp        0    332 165.227.182.40:22       63.131.219.239:58846    ESTABLISHED 2096/sshd: aaron [p
tcp        0      0 165.227.182.40:80       108.162.216.205:14411   TIME_WAIT   -
tcp        0      0 127.0.0.1:60486         127.0.0.1:3306          ESTABLISHED 5338/sshd: root
tcp        0      0 127.0.0.1:3306          127.0.0.1:60486         ESTABLISHED 1392/mysqld
tcp6       0      0 :::80                   :::*                    LISTEN      6504/nginx -g daemo
tcp6       0      0 :::22                   :::*                    LISTEN      1621/sshd

My NginX config is as follows:
server {
    listen 80;
    listen [::]:80;

    # SSL configuration
    #
     listen 443 ssl;
     listen [::]:443 ssl;
         ssl_certificate /var/ssl/ssl.pem;
        ssl_certificate_key /var/ssl/ssl.key;

    root /var/www/html/;

    # Add index.php to the list if you are using PHP
    index index.php index.html index.htm index.nginx-debian.html;

    server_name aaronstone.io www.aaronstone.io;

    location / {
        # First attempt to serve request as file, then
        # as directory, then fall back to displaying a 404.
        #try_files $uri $uri/ =404;
        try_files $uri $uri/ /index.php$is_args$args;
    }

    # pass the PHP scripts to FastCGI server listening on 127.0.0.1:9000
    #
             location ~ \.php$ {
        include snippets/fastcgi-php.conf;

        # With php7.0-cgi alone:
        #fastcgi_pass 127.0.0.1:9000;
        # With php7.0-fpm:
        fastcgi_pass unix:/run/php/php7.0-fpm.sock;
    }

    # deny access to .htaccess files, if Apache's document root
    # concurs with nginx's one
    #
    location ~ /\.ht {
        deny all;
    }
    location ~ /.well-known {
        allow all;
    }
}

nginx status:
● nginx.service - A high performance web server and a reverse proxy server
   Loaded: loaded (/lib/systemd/system/nginx.service; enabled; vendor preset: enabled)
   Active: active (running) since Wed 2018-02-07 19:22:19 UTC; 14min ago
  Process: 6492 ExecStop=/sbin/start-stop-daemon --quiet --stop --retry QUIT/5 --pidfile /run/nginx.pid
  Process: 5588 ExecReload=/usr/sbin/nginx -g daemon on; master_process on; -s reload (code=exited, stat
  Process: 6500 ExecStart=/usr/sbin/nginx -g daemon on; master_process on; (code=exited, status=0/SUCCES
  Process: 6497 ExecStartPre=/usr/sbin/nginx -t -q -g daemon on; master_process on; (code=exited, status
 Main PID: 6504 (nginx)
    Tasks: 2
   Memory: 3.5M
      CPU: 505ms
   CGroup: /system.slice/nginx.service
           ├─6504 nginx: master process /usr/sbin/nginx -g daemon on; master_process on
           └─6505 nginx: worker process

Feb 07 19:22:19 aaronstone systemd[1]: Starting A high performance web server and a reverse proxy server
Feb 07 19:22:19 aaronstone systemd[1]: nginx.service: Failed to read PID from file /run/nginx.pid: Inval
Feb 07 19:22:19 aaronstone systemd[1]: Started A high performance web server and a reverse proxy server.

A: Nginx does not listen to port 443, as your netstat output shows.
Your nginx config seems to be correct, in fact I tried it and it works for me. Do you have other webservers running? I suspect something running at port 80 (e.g. Apache/httpd) and nginx does not start up.
Does nginx start up without any error messages?
If you have nginx running as service, what is the output of sudo service nginx status?
If you add the parameter p to the netstat command, e.g. sudo netstat -atpn, it shows the process name of the listening addresses (see man netstat for more information). Does the line tcp 0 0 0.0.0.0:22 0.0.0.0:* LISTEN belong to nginx?

A: My issue was that I had no symlink from /sites-available to /sites-enabled
$ cd /etc/nginx/sites-enabled
$ sudo ln -sf ../sites-available/default .
$ sudo service nginx reload

redpajama_set_name: RedPajamaStackExchange


text:
brand PR, Food and Drink PR, Del Monte, Symbian, T Mobile, Virgin Atlantic| Written By James
Del Monte Licks Opposition (with a little help from Taylor Herring).
LONDON; 22nd October 2009; Taylor Herring's 007 lolly has helped Del Monte top the latest Kaizo Advocacy Index published today in Food and Drink technology magazine.
The Kaizo Advocacy Index is a biannual study that measures the online reputation of 20 brands across Food, Software, Airline and Mobile sectors. The study examines independent links on four Google search engine tools – Web, News, Groups and Blogs, as well as posts on Twitter and Facebook Groups. Content is assigned a positive (Promoter), neutral (Passive) or negative (Detractor) sentiment score and an index is created by subtracting the percentage of Promoters from the percentage of Detractors.
Del Monte, Virgin Atlantic, T-Mobile and Symbian led their individual sectors with scores of 45%, 33%, 7% and 13% respectively. The worst performing brands across each sector were Heinz (8%), Ryanair (-62%), O2 (-20%) and Microsoft (-9%).
Del Monte demonstrates that brands using creative methods to engage with consumers and promote positive online conversations can quickly find themselves ahead of the competition.
The brand increased its score by a massive 54% to knock Virgin Atlantic off top spot after previously coming bottom of the previous Kaizo Index conducted at the start of the year in which Del Monte recorded the lowest score of all the food brands (-9%).
The turnaround is largely due to the launch of a low calorie frozen dessert in the shape of James Bond actor Daniel Craig's torso after over 1,000 women voted him to be the celebrity they would most like to lick. The campaign provoked comments such as "Ooooh yum" after over 1,000 women voted him to be the celebrity they would most like to lick.
Film PR: Film4 Appoints Sam Lavender As Head Of Development
Crossing fingers for a hatrick at tonight's PR Week Awards


Historic Ellicott City will reopen to pedestrians and traffic tomorrow.
"Two-way vehicular traffic will resume on Main Street starting Thursday and pedestrians will be allowed to walk throughout the area. Tiber Alley will remain closed until Friday, Oct. 7 at 5:00 p.m. so that crews may complete additional necessary repairs. Motorists are reminded that the speed limit is 25 mph and caution is urged."
"Some access to sidewalks, particularly on Main Street between Old Columbia Pike and Maryland Avenue, may be restricted from time to time as business owners continue work on their properties. It could be necessary to impose temporary traffic restrictions and flagging operations at times, particularly near Maryland Avenue where county public works crews are rebuilding a retaining wall near the B&O railroad bridge. No parking and parking restriction signs will be posted throughout the area. Parking will not be permitted on Main Street, though vehicles involved in repair work will be allowed to load and unload materials in certain, marked locations."
Read the entire update here.
What you believe during the storm changes how you make it to the shore.
Is there purpose in your struggle?


So many of South Africa's children are being orphaned. This means that many of our children have to carry the burden of looking after their family. Children are even leaving school so that they can find work and get money for their family. Did you know that there is help out there? Children are afforded many rights in the Constitution.
The most important of these are welfare rights, which deal with food, shelter, health care and education. These are parents' responsibilities until they are no longer able to provide. Then it becomes the government's responsibility.
Following are some worthwhile outlines of the grants available and how they are obtained.
When a child is abused, be it physically, emotionally or sexually, there are certain physical indicators as well as behavioural signs that are evident. Knowing these could assist a person to notice abuse and therefore deal with it quickly.


text:
Email info@newmanbronson.com
History of NBW
Attorneys of Newman Bronson & Wallis
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Mark I. Bronson
Marc S. Wallis
Lauren E. Bronson
Steven M. Bronson, Of Counsel
No Cost Policy
Asbestos Exposure/Mesothelioma
Car Crashes
Unsafe Property Conditions
Medical Device Defects
Motorcycle, ATV, Motor Vehicles
Pharmaceuticals & Prescription Medications
Toxic & Chemical Exposure
When do I need an attorney?
Will I have to go to court?
What are punitive damages?
Why should I call NB&W?
What happens when I call NB&W for a free case consultation?
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The Brain and Its Functions
Information about brain injuries
Brain Injury Litigation
Causes of Brain Injuries
Brain Injury Treatments
Brain Injury Resources
Home > All Practice Areas > Brain Injuries > The Brain and Its Functions
The human body is a complex system made up of multiple organs that all work together. The brain is the control center of the human body. It is exceedingly complex and has multiple vital duties. In fact, while scientists have long studied the brain, there is still much to learn. The brain is vital to the proper functioning of the body, reasoning and emotions. Brain injuries are often devastating to an individual and his or her family. If you or a loved one has suffered a brain injury, you may have legal recourse. Contact Newman Bronson & Wallis in St. Louis, Missouri, today to schedule a consultation with a brain injury attorney who can help you understand your legal options.
Brain basics
The brain is part of the central nervous system and is the control center of the human body. The brain allows us to know ourselves, to reason and to understand our environment and those around us.
The brain may be described as a bundle of gelatinous nervous system material floating in a protective sea of cerebrospinal fluid. The fluid acts as a shock absorber to help dampen movement of the brain when a person is jolted or otherwise makes a quick movement. The fluid is encased inside of the skull, which acts as a protective shell. The outside of the skull is smooth, but the inside is rough and boney. These rough, boney structures inside the skull can injure the brain when a person is struck or jolted.
The brain is a sensory processor. This means that it controls thought, smell, sight, memory and touch. In addition, the brain controls vital bodily functions such as walking, talking, breathing and heart rate.
Brain structure
Most of the brain's functions are tied to a certain section of the brain. The main parts of the brain are the cerebrum, cerebellum, brain stem and diencephalon.
The cerebrum is the largest section of the brain. It is divided into the left and right hemispheres, both of which are further divided into lobes. The lobes are the frontal, temporal, parietal and occipital. Each lobe is a center for certain brain functions. The frontal lobe controls personality, judgment, reasoning, language expression and social behavior. The temporal lobe controls language comprehension, hearing and memory. The parietal lobe interprets sensations and visual perceptions, and the occipital lobe also interprets visual stimulus. The outer cerebrum, or cerebral cortex, is responsible for the greatest order of brain function. This includes the brain's integration with the rest of the central nervous system. Different parts of the cerebral cortex are related to the control of cognitive abilities, memory, motor function, learning, speech and other activities linked to the autonomic nervous system such as breathing and maintenance of the heart rate.
The cerebellum is a large part of the hindbrain, located behind the brain stem and under the occipital lobe. It is divided into two hemispheres and has an outer cortex made of gray matter and an inner cortex of white matter. The cerebellum controls the coordination of voluntary and involuntary muscle movements. It is responsible for muscle tone, balance, posture and the coordination of the groups of muscles that are under a person's voluntary control.
The brain stem
The midbrain, medulla oblongata and the pons make up the brain stem. The brain stem is located in front of the cerebellum and under the cerebrum. It connects the upper part of the brain to the spinal cord. It acts as a relay station between incoming stimuli and the cortex. It also controls basic bodily functions such as heart rate, breathing and alertness.
The diencephalon is made up of the thalamus, which relays sensory stimuli, and hypothalamus, which controls appetite, body temperature, water balance, pituitary secretions, emotions and sleep cycles. The diencephalon is positioned below the hemispheres of the cerebrum.
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Episode 15 -Buying & Selling Portfolios with Roofstock
Episode 15 With Jason Green
Subscribe to our podcast anywhere you listen to podcasts:
The Atlanta Real Estate Investor Website
HIGHLIGHTS FROM THE PODCAST:
1:44 – Roofstock & Jason's role
3:31 – The nature of portfolio acquisitions
12:20 – Would you see an opportunity to build a portfolio with the idea that you're going to sell?
15:13 – Mistakes to look out for
17:31 – What is attractive about build-to-rent homes
25:09 – How the Roofstock marketplace works for buyers and sellers?
32:10 – Why invest in Atlanta?
FULL TRANSCRIPT OF THE PODCAST AUDIO:
Jason Green:
Can you find a good property in Gwinnett County right now? Probably pretty tough to do, but are there what, like 25 other counties in the surrounding, you know, around the circle where there's good opportunities to invest? Yes.
Spencer Sutton:
Alright, everybody. Welcome back to the Atlanta real estate investor podcast. We are excited to be here with you. I'm one of your hosts, Spencer Sutton, and I've got Matthew Whitaker with me. And today we want to introduce you to Jason Green and Jason works with Roofstock out of California. You know, we were just talking before we pressed record and Jason was telling us a little bit of the things that he does for Roofstock and we've known Jason for quite some time. So Jason, welcome to the show.
Thanks for having me guys. It's good to see you.
Matthew Whitaker:
Yeah. Jason, I'm pumped that you're on our relationship with Roofstock goes back a long way when you and Andy walked into our office and told us what y'all were going to do in this company that y'all were going to help build. And I say this every now and then, but there's about three or four people that have actually walked in, sold us a story, and then it actually came true. So congratulations on being on the front end of that and sharing the vision and building, building the story, and building the business behind it.
Yeah, no, I appreciate that. I mean, I wish we had time to sit back and enjoy, but we still have a lot of work to do, but you know, it's because of great partners like you guys and others that we've got to meet, that all these things and all these moving parts work together.
Talk about what Roofstock is first and then share with everybody what your role is with Roofstock.
Yeah. So, you know, at its core, we're an online marketplace for people to buy and sell, you know, investment properties, mainly focused on single family homes. And, you know, our real goal is to kind of separate the operation from the investment, as well as breakdown, kind of a geographical, historic geographical barriers to investing. You know, if you look traditionally, people invested pretty close to home. With, with home prices and a lot of parts of the country where people just can't afford or get access to investing locally. You know, we wanted to kind of flip that upside down so that that's kind of our main customer facing business. We do have some ancillary kind of businesses around that, but, and then as far as what I do, we also kind of broker a lot of larger stabilized portfolios of rental assets. And that's a lot of my day-to-day. And then the last six months kind of this whole build or rent sector or, or portion of the sector is been gaining a lot of steam. And I kind of head up that effort as well. And then out of that, I'm our managing broker in 11 States and run all three of our brokerages and our property management brokerage.
So you have a lot of free time.
Well, he's not on the plane as much now, so he does have a little bit more time.
Yeah. And that's the thing about Jason. I mean, he is always on a plane somewhere or at least it was pre COVID and any, any conference I would show up, Jason would be there. So you're talking about one of the, well, most well-traveled men in the country.
Yeah. I think that's pretty accurate.
Talk about, because those are the two subjects that I wanted to talk about with you is portfolio who's buying the portfolios and then also the builder rent. So we'll get to the build to rent in a second, but talk a little bit about the nature of portfolio acquisitions, how big are these portfolios that are being acquired and who's acquiring.
Yeah. And, and it's, it's definitely a wide range. So we try to cover the whole spectrum. You know, we have retail, you know, mom and pop investors buying two or three homes in a portfolio all the way up to, you know, the largest trade we did was in 2017, it was over 8,000 homes in one portfolio across eight different markets. But, you know, we, we have a few ongoing right now that are in the multiple thousand range. So it it's pretty wide spectrum from mom and pop or novice person trying to gain some passive income and invest on the side of their nine to five job. Do you know, I guess wall street, for lack of a better term, who is funding a lot of these public REITs and kind of private SFR operators.
And I know you can't tell who the buyers are that y'all have going on, but I mean, these are, these are larger institutions that are buying these in the thousands.
Yeah. And you know, there's been some public releases on some of them. So, you know, like Invitation Homes and Amhurst, and you know, a lot of the, you know, American homes for rent the publicly traded. And then there's a lot of, kind of like middle groups that aren't public, but, you know, are between five and call it 15,000 doors under management capital right now is really cheap. And especially groups with those kind of scale are getting, you know, ridiculously cheap capital. So a lot of those groups that are kind of on the smaller end of the institutional spectrum are aggressively pursuing growth.
When you think about the state of the institutional market, my guess is the Invitation Homes and the Amhurst are kind of at the top. And then there's that kind of next layer of, and can you kind of talk about how that breaks out in your mind when you say, you know, here's the large institutions, here's our medium size.
Yeah. I'd say there's like a handful now that are like 20,000 plus doors under management, you know, like your FirstKey's, Amherst's, Tricon's, your American homes for rent or invitation homes. And then kind of in that 5,000 to 15,000, you know, you have your Vine Brooks, your Conrex's. Not public companies, but well scaled institutional capital while capitalized aggressive growth, who may, I don't know, but may end up being publicly traded at some point. So groups that are kind of pursuing, chasing, you know, the others that are already well-established and larger.
And what do you, and I know you can't speak for all of them, but what do you see as these kind of mid tier institutions exit? Are they, are they all trying to become public? Are there some that are trying to flip to some of these bigger institutions? Where, what are their exit strategies?
Yeah, I think that's exactly correct. It could go one of two ways they could end up becoming a public vehicle and kind of create a new REIT with a different type of asset class. You know, cause if you talked about a group like buying brick, you know, their portfolio is not looking like an imitation homes portfolio, they're more of a workforce workforce housing portfolio and they can create a Reed vehicle that is a different type of offering than what American homes for rent or Invitation Homes has out there already. So I think that a group like that, it could be very intriguing, but there are certainly others that are probably just building to a certain point. And then we'll exit to one of the other operators or new capital coming into this space.
Jason, what is your role in this, in this whole process? Like what is your role, roofstocks role in, in getting these deals done.
When you boil it down, we're acting as a broker in those, a lot of those transactions, usually we're advising on the sell side and running, you know, a full marketing process, collecting bids, you know, helping through the purchase and sale agreement negotiations. We're, we're really A to Z. We have a full transaction team. We handle the title, a lot of it, diligence coordinating inspections. So, you know, we really try to take as much of that load off of both sides as possible, you know, collecting Lisa, you know, all the diligence documents that, you know, creating box or Dropbox making that whole process much simpler is, is a big goal of ours because especially with multiple hundred or multiple thousand transaction, there's a lot, it was a lot of work, a lot of different people involved and having that all coordinated in an effort that makes it easy to track and follow and make sure we're hitting milestones, making sure title's on track. Like, you know, making sure everyone has everything they need for diligence to close we're involved in all of that. All of it.
And kind of the story of Roofstock is that your founder walked into a brokerage and said, Hey, I have all these homes I need to sell. I think it was in the hundreds and the broker couldn't wrap his or her head around how to do that. And, and so I would imagine there's a lot of mom and pop investors out there that might own 50 or a hundred right now they think, Hey, now's the time to sell it. And do they just contact you at Roofstock or do they contact somebody at Roofstock to, for the sell side? Or is there a portfolio that's too small for you to handle?
No, no, we, like I said, we, we handled two or three homes at a time, so yeah. They can definitely reach out to me or, or really anyone at rootstock that works with sellers. You know, we we'd love to do an analysis digging in. We, we like to provide as much kind of data and information as we possibly can, you know, advise them on what the best strategy is, you know? Cause we come across homes and portfolios that, you know, we feel like maybe better for owner occupants, you know, cause the homes have appreciated to a certain level that the rental yields don't make sense unless they significantly discount the price of their homes. But yeah, all of that comes into play exit strategy, what their debt structure is. And you know, we like to kind of dig into all of that and provide guidance as best as we can.
Not to focus too much on what you do from like a, to your own horn. But I would think about it from the idea that y'all are experts in selling at scale. And I think of it in terms of, if I had a whole portfolio of rental homes, again, just like your founder, they walk into a, you walk into a broker who's used to selling one off homes or maybe one or two, and then you say, I want to sell 50. That seems like an overwhelming thing that no one's ever done. And I would also imagine you may have some access to some other buyers that maybe a local broker doesn't have.
Yeah. You know, our, our buyer pool is specifically investors. So that's our primary focus and investors of all sizes investors that want to buy. Maybe they maybe even their first rental property, you know, all the way up to investors who want to buy thousands of additional rental properties. So our focus is building up that network of investors. So we are a targeted kind of investment firm, you know, whereas if you listed a home on the MLS, you know, you're probably gonna attract owner-occupants who want to move into the home. And you know, when tenants are in homes that may not be the best target market.
Where do you see portfolios trading at? I would imagine it varies based on location, but in general, what, what are portfolios currently trading for?
Like as a, as a discount to like full market value or…
Yeah. Or maybe even a cap rate or both?
Yeah, it really varies like we did, we did a trade in Nashville towards the end of last year and that traded, and those are really nice, like 2,500 rents, you know, 2014 vintage, newer product, good areas, good schools that actually traded sub 5% cap rate and within a couple percentage points of market value, you know, lower rent properties, seven, 800, $900 rent properties. You know, we're probably seeing those trade in the seven to 8% cap rate. And then you, you know, there's kind of a middle ground there. I I'd say most groups are looking for, you know, in the mid vibes, as far as institutional capital retail investors, they tend to be a little all over the place, but probably looking for a little more on there just cause their debt's more expensive.
So I'm going to give you a hypothetical and you may or may not want to answer it and we can cut this out. But if you are a local investor in some of these more investible markets like Atlanta, would you see an opportunity to build a portfolio with the idea that you're going to sell it to one of the smaller ones?
Yeah. A hundred percent. And we've worked with some local investors who have specifically gone out to do that, you know, accumulated homes over a period of 10 or 15 years, kind of knowing what characteristics in, what kind of geography within those markets are attracting other capital sources and have gone about and build the portfolio that way. Certainly if I was still running a day-to-day investment fund like I did previously, that that would probably be in my business plan.
I think that people need to understand what the, these mid-size funds are, are building scale with the idea that they're going to sell to the, to the big boys. But you can do that on a smaller scale. You can put together 25 or 50 homes over the course of a couple of years. And is it fair to say that you can confidently say that their money is not going to run out anytime soon, most of these funds?
There is, you know, most of these groups have for lack of a better term, endless capital. And there is, there is a new source of funds coming into this space, you know, weekly, you know, we're having those conversations every week funds from other countries funds from all over the world.
So Conrex raised $300 million to buy houses and then Invitation homes just raised a billion.
Yeah. Tricon just raise more money. Yeah.
There's, there's plenty of money pouring in here.
Yeah. To your point, it's not only a thousand homes, that's going to get their interest. Like we've done 19 home deals with some of these institutional groups. Like it doesn't have to be 300 homes for them to be interested right now. You know, if you're working with Amherst, you're probably not going to get to like Keith Ramston for 15 homes. Like there are folks on their acquisitions team who spend all day, every day trying to buy 10, 15, 20 homes. So, you know, I definitely would preach that as like, you don't have to have 300 homes to work with one of those groups, like they're buying one-offs, they're buying 10, they're buying 15, they're buying them however they can take them.
I've seen personally seen two different smaller funds that are around 50 homes each cell in the last couple of years. So I've it happen? And I think it would be a good strategy for somebody that had the wherewithal to go out and accumulate these rental.
Yeah, yeah, exactly. If you're a local operator and you have the ability to acquire them and renovate them to a good standard and kind of get them performing and kind of build a nice little package, like I think that can be a good business model.
That is a great question. Followup would be, what do I need to watch out for if I wanted to do that strategy, what are these big funds look for? So I don't make a mistake.
Yeah. So they, they are focused heavily on major systems. So where we see sellers getting hurt is where they haven't kept the homes up to a certain standard. The roofing, the plumbing, the windows, the, the HVAC, the electrical. Those groups are hyper-focused on providing like a good living experience. And they do tend to, even if there's nothing broken, they do tend to allocate those funds to go upgrade those items. So if you're bringing a deal to one of those groups and you have not done all of those things, they are going to discount their price and budget for that work to be done. You know, having, having vinyl like Lowy windows and like certain things you just wouldn't think are a necessity for a rental property, they are going to go do even your workforce housing operators like Buying Broke, they are going to go do that on every home. It's their standard. It's, it's what they're marked against. Probably what they've pitched their investors, who are investing in their fund is like every home we have is going to have this quality. So it's something they're held to as well and probably their debt covenants. So I've seen people kind of skimp on those things like, well, the tenants living there, it's fine right? Like, and they are going to hit you on their bid if they have to go out and do those items.
Are there any instances where they would look at properties and say, there's just too much work to do. Like, Hey, we're not, we're not interested because the rehab is going to be 20,000 or 25,000 or they are they okay with that or will they just discount the price?
Yeah, generally, generally they need inventory. However, they can get it. Where I have seen groups shy away is like foundation issues and like kind of structural damage, just cause that's a little more of an unknown. And even if you do fix it properly, it still can have kind of ongoing ongoing issues. And that's, that's definitely a focus in Texas, you know, just with the solid all there's more foundation problems. So we have seen groups kind of, even if it's only like a $20,000 to $25,000 rehab, including $5,000 to $6,000 in foundation repair, we've still seen groups shy away from acquiring some of those homes.
I want to just pivot now and talk about build to rent. And this is something that's happened new. In other words, there wasn't enough inventory out there for them to find rental homes so now they're going out and building rental homes almost like they would an apartment community. And talk a little bit about how this has morphed over the last couple of three years. I remember being at a conference with you in Phoenix, I think two Decembers ago. And it was kind of the newest rage. And I didn't know if it was going to be a fad and it appears to be here to stay. So talk a little bit about the build to rent world.
It's been unbelievable, like, like you said, two or three years ago, it was a hot conversation, but it didn't necessarily feel like it was happening real time. It felt a little more theoretical than anything. And I'd say within the last six months it's fully exploded. Like three years ago, people would buy closeouts from 1R or DR Horton. At the end of the quarter, the sales guy would call up, you know, the institutional groups like, "Hey, can you buy 20 homes for me for me", that's not built for rent because those were built as owner occupant homes that just happened to sell to an investor. But now we're seeing, you know, groups building fully contained rental communities of a hundred, 200 plus homes, which I don't feel like it was necessarily happening at scale three years ago. And we're even seeing groups getting in as early as buying raw land and developing it and entitling it, permitting it and building it.
And you know, some of those can be two or three year timelines to actually have a stabilized product. But I think what a lot of the groups have realized is there is not enough existing inventory available for them to spend the capital they have committed to them. So groups are now exploring, getting out there much earlier and they think they can build, you know, their yield on cost is actually probably going to be higher if they are willing to take a little bit of that development risk. And then you're providing brand new product. You know, your RNM should be pretty low. Most builders are gonna warranty a lot of the major structural, you know, with a two and 10 warranty. So we'll see, I think it'll take a few years to prove out, like if those homes are operating more efficiently with less RNM and less maintenance, but it's definitely real time happening where groups are actually acquiring land and having builders build on it for them to build, you know, full and monetize community.
It's basically like an apartment community. So they're building a shared space, maybe with a pull 200 to 300 homes. Are they doing the kind of lawn maintenance on these? How does all that work?
I've seen him different. But I think generally, especially if the group is going to own it for the long haul, they want all that built into the HOA, just so they can keep a consistent, clean look throughout the community, which I think is important because you know, these neighborhoods are getting a premium price for rentals, but yeah, it's, you know, they're, they're calling it like horizontal multifamily now. It's Where you have a leasing center. You know, if you're at 200 units, you're probably going to have, on-site leasing, you know, a clubhouse, a pool, a dog park, you know, all those things that would attract a wide variety of a tenant base. And, you know, you're seeing it explode in markets like Phoenix and markets like Dallas. We're doing deals actively in Birmingham, Atlanta, Nashville, the Carolinas, Florida. So I mean, it's happening in a lot of different markets.
And are these houses typically more efficient houses, smaller houses, the three two/s, kind of the garden home type houses kind of sticking to, Hey, we know that these will sell to a certain at a certain price point, certain range.
I've seen different in Phoenix, like next Metro and other Christopher Todd and other groups are doing it. It feels more like a multifamily. It's more of like a site condo. And I think it's very market dependent. We're seeing a lot of townhomes style developments too, but then there are ones that are fully just like detached single family communities. If you drove through it, you would think it was a for sale community. It looks and feels almost like entirely the same. And, and then as far as like what the models are looking like, you know, that's a little dependent too, in Atlanta. For instance, they have some pretty interesting rules on like elevations and how many different floor plans you have to have in each community. So we're typically seeing like four or five different floor plans mixed throughout the community from three starting out of three to, you know, going all the way up to like a four, two and a half, over 2000 square feet. So keeping a wide range, townhome, the townhome developments we've seen, they're mostly three, two and a half, like 14, 1500 square feet. Some will have like plus a loft or plus a fourth bedroom. But yeah, that, that's what we're seeing on the townhome side, like 14 to 1600 home den office is becoming a big one in some of the new floor plans I've seen at home workspace. They're making sure to highlight that and floorplans.
I think that's, what's driving a lot of the single family demand right now is moving out of multi-family because you might need more space for a home office.
Yeah. Yeah. I'm on my dining room tables.
What drives the people that are going to live in a build to rent home? Like why wouldn't these people go by home of their own? What are, what are the desires that you're seeing from the resident base?
And it's funny, cause I think they're hitting both ends of the spectrum. I think you're seeing, you know, kind of my parents' generation are cashing out of their residences and downsizing and for them, are they going to go live in an apartment? Are they going to go buy a new house? I think having a brand new rental home in a nice community is attractive to them. And then, you know, the younger generation or, you know, you want to call them millennials or whatever you want. They don't want to be tied down maybe anecdotal, but I kind of feel the same way. And I actually fall in that cohort of age bracket is, you know, a lot of them watched their parents lose everything in 2008, losing their homes, you know, and are, I guess, scared of that commitment to a 30 year mortgage and kind of being tied to a place, you know, forever. And the flexibility of being able to live in a brand new community with everything they would want is attracted to them. And then, you know, if they decided to move to another town or relocate, it's a pretty simple out. You know, you have a year lease and, and you have flexibility beyond that point.
You don't have any maintenance.
Yeah. That's another one, especially if you're including the lawn maintenance and all that. There is no work, you know to be had, no upkeep, you know, it's all pretty well covered.
Yeah. They're passionate about their weekends, the millennials, and want to go and do things on the weekends instead of stay home, like probably our parents' generation and fix stuff. I work I'm kind of caught in the middle of generations. So sometimes I'll stay home and fix stuff and sometimes I'm ready to just go. But, but that the younger folks right now don't care about fixing things, they just want to go and do and have experienc.
Yeah. I think the flexibility fits well into their lifestyle choices. It's a place to live. That's nicer and has more space than an apartment. And then it has the dog park and all the things they want, you know, as far as the way they live their lifestyle.
I want to circle back around to Roofstock and kind of the core business, because I think we'd be remissed in not talking about it for a few minutes. The whole idea is that you've created an efficient marketplace for investors. So somebody might be listening to this from and want to buy their first rental house and they can get on your platform and see rental houses from all over the country in different markets. And same goes for a seller. If you have a rental house or two, that's not a portfolio and you want to sell it on the roofstock marketplace, you can do that. So talk about the, the buyers and the sellers and how the marketplace works so that people can come and take a look at it.
Yeah. And what I love about it is like, look, even if you don't end up purchasing a property on Roofstock, which obviously would be our preference, you get a good snapshot of over 30 plus States in the country and kind of what investment properties look like in those markets. Like what are some metrics like, how does the underwriting look? What are the school's scores? Like, there's a lot of important data that I think a lot of people didn't have access to and kind of putting it all in one place for folks to be able to see. And then, you know, when you talk about, Hey, am I really going to buy this? Well, I need a lender. I need a property manager. I need insurance. We have all that too. So we're really trying to make it simpler. Like you said and kind of put all those pieces in one place, make the process a lot more seamless.
And like I said, we still have a lot of work to do. We've we've done a lot in five years, but you know, a lot more to do. But I think even if you don't plan on buying, you're just like an exploratory mode. Like what better place to get a good snapshot of like what properties look like in different areas, as opposed to you searching around on Google for hours, trying to figure it out or calling brokers and all these markets and like, "Hey, start sending me listening". He was like, Hey, why not go get a glimpse of what's going on? And I could look at Pittsburgh, Atlanta, Charlotte, Birmingham, you know, we, we just got licensed in Colorado. I know we talked about that a couple months ago or I should say I just got licensing in Colorado.
I did too. So we have that in common.
Yeah. So, you know, Texas, you can get a really good glimpse of like all these different locations and what investment returns look like and what the inventory looks like. And then as far as sellers, you know, what I like about it is, you know, a it's light touch on your tenants like B there's no open houses, there's no people coming to show it. You know, you're really outside of an inspection and, you know, an appraisal, if the buyer's using financing, we're really trying not to disturb your tenant, which I think is important. You know? Cause you know, they have the right to enjoy that property. And you know, they're under lease terms and our buyers are looking to keep those tenants in place because they want the cash flows. So, you know, especially mom and pop landlords that, you know, build a relationship with their tenants.
I think it's important for them to know that like we're selling to investors who aren't just going to go kick your tenant out that you've had in there for 10 years, you know, they want the tenant, they want the cashflow. And I think it's a less friction way to sell your investment property. Or if you need to get liquidity and you're like, well, my tenant has eight months left on their lease. I have to wait. I have to wait until they move out to sell it. It's like, well, no, you don't.
You don't have to.
It's an asset now. And people didn't look at single family as an asset 10 years ago. I was like, well, I have to wait to vacate it because it's only an asset. If someone wants to move into it, like, well, no, it's an asset. If someone's living there paying rent and it's cash flowing. So I think that conversation has really starting to change.
Yeah. And it's a, it's a nationwide conversation, right? Because 10 years ago, 15 years ago when Matthew and I were wholesaling houses, it was really very local. Right. So it was very local. Now you have eyes from around the country, which is what you all do so well. And I'll just tell you from my experience, like I have friends who are selling houses through the roofstock platform and I've spoken with many, many investors over the past several years who have used Roofstock and it really has been a very seamless transition, very easy transaction for them to do so I've just heard nothing but good reports.
Well, yeah, I appreciate that. It's, it's a lot of work, but you know, we have some exciting things coming up too that I think we will give buyers and sellers more and transparency into the process. I know there's places where we've come up short and you know, we're very cognizant of those things and always working to improve the platform as well.
And I come up short all the time. So one thing I think is important to note just in terms of how everything is processed, that's a little bit different is you do the inspection on the front end. In other words, before they list a property with you, they go through the inspection process. So that's a little bit different. And so everything on your platform for a buyer has already been inspected. And if you are a seller, you need to know that before you get listed, you're going to be required to do an inspection and you may have to fix some things. But the whole idea is that all the diligence, this institutionalized diligence, and I think that's important to note too, for people is you're basically giving people access to the data. Five, six, seven years ago was only institutional data because some of the background of your founders is in buying these portfolios and putting these funds together. So I think kind of in the new age technology age, you're getting the opportunity to have access to data that you never would have had in the past. And so just understanding the mechanics of the sale are important just to kind of relieve some anxiety over, you know, what's going to happen if I list my home with Roofstock.
Yeah. And that that's critical to us too, is kind of democratizing the access to back institutional level data and information and making it available to everyone. And yeah, like, like you said, you are, while everyone you work with at Roofstock may not come from the institutional world, like folks like myself, Chris Willard, Andy Boyum who's no longer with us, when people that have helped build this platform are people that have been out there buying thousands of homes, you know, going through this process, understanding how to invest in different markets. Like we are the people that are kind of helping lead the charge and have a lot of experience in the space and we're, you know, deep down that's all we really want is to give that information to everyone and make, make that investment possible for people who always thought like, well, 'I'll never be able to invest in real estate. I don't have, it's not a full-time gig for me. It's too daunting. I don't have the information I feel that would make me comfortable'. You know, that's kind of all part of our mission.
So for my last question, Jason, what I would really like to know is why would somebody invest in Atlanta?
I love the economy in Atlanta, very diverse, a lot of major companies that are headquartered there, to name a few like Delta and Coca Cola and TBS and there's others. There's plenty of others. When you look at the last handful of years, you look at population growth and in migration consistently in the top 5 or 10 across the country. And while some would say, it's been saturated by institutional ownership, you know, it is the largest institutional SFR market, but they only own like 4% share of all the rental properties in the entire market. So I think that can be a bit misleading when you say it's saturated. It's like, well, that to me still says, there's a lot of opportunity there and it's a big, big MSA two. It spreads pretty wide and far, almost every direction. So can you find a good property in Gwinnette County right now? Probably pretty tough to do, but are there what, like 25 other counties in the surrounding, you know, around the circle where there's good opportunities to invest? Yes.
All right, everybody. Thank you for tuning in to this episode of the Atlanta real estate investor podcast. Now, Jason, if people want to get in touch with you, if they want to talk about buying portfolios, selling portfolios, what's the best way to reach you.
So I'm not a big social media guy, but you can obviously find me on LinkedIn or it's just [email protected]
All right. Well thank you, Jason. This has been great. And I would just want to encourage everybody. If you listened to this podcast, you found it helpful. Go ahead and leave us a five star review. Share it with your friends. All right, everybody. So thanks. And we will see you on the next episode.
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The Social C-Suite
Helping leaders embrace the social age
The Social CEO book
10 Retail CEOs to Follow on Twitter
Wilf Walsh, CEO of Carpetright.
Posted By: Damian 7th February 2017
As part of a new series I'm picking an industry sector and highlighting industry leaders who stand out from the crowd on Twitter. I'm kicking off with retail.
Why do these CEOs tweet? What's in it for them? There are many reasons: branding, recruitment, employee relations, 'thought leadership', marketing. Each CEO will have his or her reasons for 'going social'.
All of them offer fascinating insights into their working (and often their social) lives – and the lives of their companies. Most importantly, they all display the features and qualities any self-respecting retail CEO should emulate, namely: transparency, honesty, openness, accountability and enthusiasm.
So, in strictly alphabetical order:
Martyn Cheatle, CEO of Central England Co-Operative (@MartynCheatle)
Martyn is quite new to Twitter but has taken to it with real enthusiasm. His main approach is giving 'shout outs' to employees and stores. Whether it's a new store opening, staff training or a charity fundraising event, Martyn shares it all on his Twitter stream. He's also very good at retweeting Co-Op staff – which must be a great incentive for employees to take to social media. None of this 'no social media at work' with Martyn. Follow him and you'll have your finger on the pulse of the Central England Co-Operative.
Gary Favell, CEO of Bathstore (@gary_favell)
Gary doesn't tweet much, and when he does it's often about his beloved Saracens rugby team. Like everyone on this list, though, his is a genuine voice – and all the more enjoyable for it. He does of course tweet about Bathstore – whether it's about a new promotion, a sponsorship deal or a moving offices – but it's never over the top and he seems to find the right balance between business and pleasure. A sporadic tweeter, but definitely worth following.
Jacqueline Gold, CEO of Ann Summers (@Jacqueline_Gold)
"I believe all CEOs should really consider being on Twitter – why wouldn't you want that direct interaction with your customers?" That was Jacqueline Gold speaking in a recent interview. To her, engaging with customers on Twitter is a no-brainer and an essential part of the way she does business. It's not an add-on – it's core to her positioning as a CEO. Her Twitter stream is an interesting mix of news about Ann Summers, inspiration for aspiring female entrepreneurs (she runs the weekly #WOW (Women on Wednesday) competition, plus a bit of football (she's an avid West Ham fan). The Queen of retail on Twitter.
Wendy Hallett MBE, Founder & MD of Hallett Retail (@Wendy_Hallett)
Wendy Hallett is a genuine retail entrepreneur, having created an incredibly successful concessions, logistics and photography business. On Twitter, you can expect an eclectic mix of business and personal tweets. Whether it's commenting on retail awards, gender equality issues, football (she's a massive Arsenal fan) or a university reunion – she shares it all. Following her Twitter account gives you a real impression of the 'real' Wendy Hallett. As far as I can tell there's nothing airbrushed or 'PR approved' in what she shares.
John Legere, CEO of T-Mobile USA (@JohnLegere)
"Magenta-wearing, customer-loving @TMobile USA CEO focused on ending wireless pain points & scaring our competitors! Also, #IamBatman". That's John Leger's Twitter profile. He also has 3.3 million Twitter followers. This guy is like no other CEO I've ever come across. He can be rude, abrasive, opinionated, kind and funny all within a few tweets. He's even had a Twitter spat with Donald Trump. And boy does he love sticking it to the competition (mainly Verizon Wireless). All of this has a very serious purpose, though, which is powerful brand positioning and an emphasis on customer service. You have got to follow this guy.
Catriona Marshall, CEO of Hobbycraft (@CatrionaMarsha2)
Sharing, sharing, sharing – that's Catriona's Twitter strategy. And it's a great strategy. A bit like Martin Cheatle at the Co-Op, she likes to share tweets from Hobbycraft branches and customers. This is great amplification of the brand. She's also unafraid of tackling awkward issues online, such as this on 2 November: "Customers are having a nightmare with contracted parking companies. Doing everything we can to help with wrong and unfair fines." If I was a fed up customer I'd be pleased to read that tweet. She's also not immune to commenting on her favourite TV shows.
Deryane Tadd, Founder of The Dressing Room (@DeryaneTadd)
Deryane founded the award-winning independent retailer The Dressing Room. With a single boutique in St Albans and a website, she uses Twitter to really punch above her weight and get herself – and The Dressing Room – lots of exposure and recognition. She's a great example of a solo entrepreneur CEO who uses the power of social media to build her brand and turn The Dressing Room into one of the UK's most respected independent retail businesses (with six Drapers awards). Her photos, styling tips and updates on what's available through the boutique and on the website make her Twitter stream refreshing and fun.
Ewan Venters, CEO of Fortnum & Mason (@ewanventers)
When the CEO of a brand like Fortnum and Mason is on Twitter, you just have to follow, don't you? Even if just out of curiosity. Ewan is less prolific than some of the other CEOs on this list – and much of what he posts is promotional (especially the Cook Book!) – but that's not a criticism; it's great to see a CEO actively promoting the brand in the way he does. I'd also recommend following his Instagram account (@ewanventers) for a great mix of images, ranging from sumptuous food to celebrity book signings. I hope to interview Ewan for my Social CEO series soon.
Roger Wade, CEO of Boxpark (@MrBoxpark)
With Boxpark, Roger Wade is a retail industry disruptor, bringing a refreshing 'startup' mentality to the sector. If you don't know it, Boxpark is 'the world's first pop-up mall', with all the units constructed from refitted shipping containers. Appropriately for a London startup, the first Boxpark site was in Shoreditch. While not particularly prolific in his Twitter activity, Roger's insights are interesting and definitely worth reading, especially if you want the scoop on how retail is evolving. He's an example of a CEO who 'is' the brand – having built it up himself. Roger is also proving to be an inspiration to young British entrepreneurs.
Wilf Walsh, CEO of Carpetright (@wilfwalshuk)
Another sporadic tweeter, Wilf's tweets are actually quite funny. Whether he's talking about horse racing (his other great love after retail) football (he's a long-suffering Exeter City fan) or complaining about his latest rail journey, he doesn't mind sharing his take on the absurdity of life. He even tweets about retail occasionally. And, let's be honest, you wouldn't expect the boss of a carpet company to be that interesting, would you? A refreshingly open, honest and funny CEO.
Looking at the Twitter profiles of each of these leaders, you're seeing the future of business. They are the vanguard of what, I predict, will be the norm for the CEOs of all retail organisations within five years.
As I said in my introduction, being a retail CEO is about being transparent, honest, open, accountable and enthusiastic. It's about being out there, interacting with your public. All the CEOs in this list, to a greater or lesser extent, try to do that. They don't always succeed, but at least they're trying.
In this article I've only discussed Twitter, but Facebook is also an immensely powerful platform – arguably even more powerful than Twitter for small retail businesses with a local customer base. Many more people are on Facebook than Twitter – engage with them effectively and you're on to a winner. But that's a discussion for another time!
Brian Garish – the Social CEO Who Puts Culture and Empathy at the Heart of his Strategy
In my latest Social CEO interview I have the great pleasure of speaking to Brian Garish, the charismatic and inspirational CEO of Banfield Pet Hospital,…
Why Twitter is like networking on steroids
What's the value of social media?
LinkedIn and a digital mindset
Social media training for the C-Suite? Are you serious?
Being a Social CEO – Crisis or no Crisis
Life, social media, musicals and everything – an interview with Sarah Walker-Smith, CEO of law firm Shakespeare Martineau
How CEOs can make the most of social media
The Social CEO book launch party!
© Copyright The Social C-Suite 2016-2018


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Q: How can I check if a string exists in any file within a directory / subdirectory? I have a list of strings and I would like to print out any that are not present within a file in a directory. (I don't want to check the headers)
I understand how to loop through the list, but have been unable to find out how to search within all files of a directory.
Here's what I've got so far:
import fnmatch
import os

matches = []
for root, dirnames, filenames in os.walk('BrowserClient'):
  for filename in fnmatch.filter(filenames, 'file.png'):
    print filename

This only searches filenames and I want to instead search through every file in the directory and sub directory.

A: You have to open the file:
import fnmatch
import os

targets = ['Hello', 'World', 'Foo', 'Bar']
matches = []
for root, dirnames, filenames in os.walk('BrowserClient'):
  for filename in fnmatch.filter(filenames, 'file.png'):
    for word in open(filename, 'r').read().split():
      for item in target:
        if word == item:
          matches.append([filename, item])


Yesterday I tackled The Situation in My Closet. The Situation has been brewing for many, many months and finally had reached the This is Ridiculous level.
Quite some time ago my shoe organizer broke. And by broke I mean that the kids did it. (Vaughn usually goes for flats, while Vance opts for my dark brown boots because they make him feel like a pirate, so he tells me.) I fixed it, it broke again, the lesson here is to not by a cheap shoe organizer. Or to not have kids.
Either could remedy the situation.
For months most of my shoes have been in a heap on the floor. Some brave soles chose to battle adversity and hang on by the edge of their heels on a half fallen bar of the cheap contraption. Whatever the case, it was a sad mess in there. Action needed to be taken.
I bought two new organizers yesterday and I have order once again in my domain. I really could use a third, as some shoes are now being forced to cohabitate.
Last night while I was in my closet putting clothes away Vaughn wandered in and saw my shoes in their new organizers. She politely told me to, "go out there for a little bit", meaning for me to leave the closet so she could check out her (my) shoes a little closer.
I'm pretty sure she got this from my side of the family, as the love for shoes runs pretty deep around there. While I like shoes, my mom, sister, and brother definitely have beaten me out of the running of Most Like Imelda Marcos award. Vaughn may be grooming herself to one day compete with them and when she's older and has a shoe organizer of her own let's just hope she didn't buy a cheap one.
I LOVE that she loves shoes!!! Too funny- speaking of shoe organizers that is next on my list.....my shoes are also in a heap and in boxes and tubs.
Thank goodness! You've got your own Situation going on there!!!
Don't forget before and after pics!


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Home > News > featured news > U.S. Home Sales Drop Almost 5 Percent in March
U.S. Home Sales Drop Almost 5 Percent in March
National Association of Realtors | April 23, 2019
According to new data from the National Association of Realtors, existing-home sales retreated in the U.S. in March 2019, following February's surge of sales. Each of the four major U.S. regions saw a drop-off in sales, with the Midwest enduring the largest decline last month. Total existing-home sales completed transactions that include single-family homes, townhomes, condominiums and co-ops, fell 4.9% from February to a seasonally adjusted annual rate of 5.21 million in March. Sales as a whole are down 5.4% from a year ago (5.51 million in March 2018).
Brave new world for India real estate: Policies and trends that are altering Indian real estate
India's economy exhibited healthy growth rates in the last decade, with the exception of 2012. The average growth rate registered over the period 2000–2012 was approximately 7.2%. The growth has been achieved on account of increased consumption, increased investment activity as well as productivity gains. Surviving on domestic demand and enhancing consumption levels, the manufacturing and services industries have also posted healthy growth levels in the past few years. However, on account of the prevailing global economic uncertainity and macro-economic factors the Indian economy recorded a growth of 5% in 2012–13.
REAL ESTATE TECHNOLOGY,HOME AND DESIGN
Rently Updates App to Expedite Smart Home Installation
Rently | January 12, 2023
Rently, the industry leader in self-touring and smart home technology solutions, recently introduced a new feature on its Smart Home App. This new feature will assist technicians in accelerating the installation process using automated tools. It will also enable property managers to receive real-time notifications about successful smart home activations. Installers can now easily verify their identity and begin the installation process using Rently's Smart Home App. The app also provides stepwise instructions, guiding the installers through the entire process. This removes the need to call technical support to activate devices, which leads to significant time savings. Merrick Lackner, the CEO of Rently, states, "Rently recognizes the critical role that installers play in the deployment of smart home technology." He further added, "By eliminating the requirement for installers to contact intermediary technical support teams—just to verify device testing and activation—we hope to save them time, facilitate their projects, and make it easy for them to report their success to managers who receive these real-time updates on their Rently desktop portal." (Source: PR Newswire) Communications between smart home technicians and managers can now be synchronized using Rently's app. This will help save time and eliminate the uncertainty faced by property managers, who would otherwise have to wait for tenants to confirm if their smart home devices are working correctly. About Rently Based in Camarillo (California), Rently is a premier provider of self-touring and enterprise smart-home platforms. The company, established in 2011, serves single-family and multi-family operators. The platform provides convenient and cost-effective solutions to optimize and automate leading, collaborating with over 3,500 operators and enabling more than 15 million self-tours. In addition, Rently's enterprise smart-home vertical allows keyless self-tours, optimization of resident access, monitoring of units, and reduced utility costs from anywhere in the world.
CoStar Group Integrates Homesnap Operations With Homes.Com
CoStar Group | December 05, 2022
CoStar Group (NASDAQ: CSGP) – a leading provider of online real estate marketplaces, information, and analytics in the commercial and residential property markets – today announced the next steps in its integration of Homes.com and Homesnap. This month CoStar Group relaunched Homes.com at the annual National Association of Realtors (NAR) conference held in Orlando. The new Homes.com is a more agent friendly real estate portal alternative. Home buyers can uniquely select an agent from a comprehensive directory of hundreds of thousands of agents based upon those agents' experience and neighborhood expertise. The majority of home buyers work with an agent, and the new Homes.com uniquely empowers home buyers and their agents to collaborate throughout the home buying process on Homes.com for free. The Homes.com sales team conducted demonstrations of the new Homes.com for approximately 2,000 agents at the NAR conference. In anonymous surveys, those agents rated the new Homes.com a 9.6 on a scale of 1 to 10. Given the overwhelmingly positive response to the new Homes.com, the company believes that the new Homes.com product strategy is a home run. Today, CoStar Group took steps to combine and streamline the operations and functionality of Homes.com and Homesnap. David Mele, who led Homes.com for 7 years prior to its acquisition by CoStar Group in 2021, has been named President of the combined Homes.com and Homesnap organization. The company believes that the combined entity is now better positioned to efficiently achieve its goal of becoming the leading residential real estate portal. Over the course of the next 12 months, CoStar Group expects to increase the net number of employees building Homes.com by 700 after today's reorganization and headcount reduction of approximately 100 duplicative roles. "CoStar Group is working to integrate the best of Homes.com with the best of Homesnap and Citysnap, We appreciate the hard work, dedication, and contributions from the entire Homes and Homesnap teams that have helped to grow our residential business. While this integration will unfortunately impact some of our employees, their work has been integral to creating a product that better serves the industry and our customers." -Andy Florance, Founder and Chief Executive Officer of CoStar Group About CoStar Group, Inc. CoStar Group, Inc. (NASDAQ: CSGP) a leading provider of online real estate marketplaces, information, and analytics in the commercial and residential property markets. Founded in 1987, CoStar conducts expansive, ongoing research to produce and maintain the largest and most comprehensive database of commercial real estate information. Our suite of online services enables clients to analyze, interpret and gain unmatched insight on commercial property values, market conditions and current availabilities. STR provides premium data benchmarking, analytics, and marketplace insights for the global hospitality industry. Ten-X provides a leading platform for conducting commercial real estate online auctions and negotiated bids. LoopNet is the most heavily trafficked commercial real estate marketplace online. Apartments.com, ApartmentFinder.com, ForRent.com, ApartmentHomeLiving.com, Westside Rentals, AFTER55.com, CorporateHousing.com, ForRentUniversity.com and Apartamentos.com form the premier online apartment resource for renters seeking great apartment homes and provide property managers and owners a proven platform for marketing their properties. Homesnap is an industry-leading online and mobile software platform that provides user-friendly applications to optimize residential real estate agent workflow and reinforce the agent-client relationship. Homes.com offers real estate professionals advertising and marketing services for residential properties. BureauxLocaux is one of the largest specialized property portals for buying and leasing commercial real estate in France. CoStar Group's websites attract tens of millions of unique monthly visitors. Headquartered in Washington, DC, CoStar Group maintains offices throughout the U.S., Europe, Canada, and Asia.
Wolsen Real Estate Partners With Side in Wolsen Realty To Expand Its Sphere of Influence in Miami's Luxury Market
Wolsen Real Estate | November 30, 2022
Wolsen Real Estate today announced Wolsen Realty and its partnership with Side, the only real estate technology company that exclusively partners with high-performing agents, teams, and independent brokerages to transform them into market-leading boutique brands and businesses. The alliance will ensure that Wolsen Realty's professional, upscale services are powered by the industry's most advanced platform. Since 2012, Wolsen Realty founder Denis Smykalov has provided exceptional real estate services as an agent and, since 2014, as a licensed broker. He harbors a deep knowledge of the local luxury market, which he integrates with his work to produce profitable results. With an innate ability to form long-lasting connections and a tenacious motivation to reach his clients' goals, Smykalov has cemented his respected reputation among the top agents in Miami's most competitive markets. With the help of his team, Smykalov has achieved more than $300 million throughout his career, $100 million of which was sold in 2021 alone. Of those totals, $20 million was managed exclusively using cryptocurrency. Wolsen Realty serves buyers, sellers, and investors with unparalleled concierge-style assistance in Miami's most upscale markets. It hosts dozens of professionals who provide a full suite of services in their respective fields, including dedicated marketing, social media, and administrative teams. With over 100 years of combined experience actualizing customer aspirations, Wolsen Realty agents continue to set industry standards, paving the way via state-of-the-art marketing strategies and an ever-growing network. Partnering with Side will ensure Wolsen Realty remains on the cutting edge of the evolving real estate market while continuing to deliver premium services to its clients. Side works behind the scenes, supporting Wolsen Realty with a one-of-a-kind brokerage platform that includes proprietary technology, transaction management, branding and marketing services, public relations, legal support, lead generation, vendor management, infrastructure solutions, and more. Additionally, Wolsen Realty will join an exclusive group of Side partners, tapping into an expansive network from coast to coast. "I'm thrilled to take Wolsen Realty's influence over the top with Side, With additional marketing, technology, administrative, and legal support to streamline our processes, we can strengthen our focus on building and maintaining client relationships to ultimately yield outstanding results." -Denis Smykalov About Wolsen Realty Wolsen Realty fronts exclusive, concierge-style assistance for buyers, sellers, and investors in the upscale Miami market. With tireless persistence, unwavering professionalism, and an unparalleled work ethic, the Wolsen Realty team consistently produces lucrative results. Combining innovative industry strategies with transparent services, Wolsen Realty agents flawlessly secure luxury-level transactions so that its clients can live lavishly. About Side Side is a behind-the-scenes brokerage platform that exclusively partners with top-performing agents, teams, and independent brokerages to create and grow their own boutique brands without the cost, time, or risk of operating a brokerage. Side's proprietary technology platform and premier support solutions empower its agent partners to be more productive, grow their business, and focus on serving their clients. Side is headquartered in San Francisco.


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Nigeria's national bank allegedly freezes crypto trader's accounts
In February, the CBN prohibited banks from servicing crypto exchanges in the nation, refering to concerns including instability, money laundering and the financing of terrorism.
The Central Bank of Nigeria has purportedly ordered all business banks in the nation to freeze the accounts of somewhere around two individuals occupied with crypto exchanging.
As indicated by a Sunday report from Nigerian news outlet Peoples Gazette, the CBN's overseer of banking Supervision, J.Y. Mammanand, issued a notification guiding the national bank to close the accounts of two claimed crypto traders and move their funds to "suspense accounts." Mammanand refered to a CBN round issued in February as grounds for the record closures.
The crackdown is purportedly important for a bigger move by banking regulators to promptly close the accounts of Nigerian residents or companies "transacting in or working cryptocurrency exchanges" using nearby banks. In February, the CBN restricted banks from servicing crypto exchanges in the nation, refering to concerns including instability, money laundering and the financing of terrorism. CBN Governor Godwin Emefiel later guaranteed that most of the crypto transactions through business banks in the nation were "ill-conceived" — that is, used to fund illegal activities.
Despite the national bank's actions, Nigeria's crypto market has arisen as one of the biggest in Africa, with the landmass' general retail transaction volume having increased by over 1,200% between July 2020 and June 2021. The nation had the second-largest market for shared Bitcoin (BTC) exchanging.
Moreover, the CBN is getting ready to present the country's national bank computerized money, the eNaira, following endorsement from the Nigerian Federal High Court in October. The eNaira is being advertised as a faster, less expensive, safer choice for financial transactions, however will purportedly keep on coursing alongside Nigeria's fiat cash.
Categories Cryptocurrency News Tags freezes crypto traders' accounts, Nigeria's national bank, Nigeria's national bank allegedly, Nigeria's national bank allegedly freezes crypto traders, Nigeria's national bank allegedly freezes crypto traders' accounts


I had the opportunity to attend a press conference yesterday for Solar Impulse Across America at Moffett Field outside San Francisco. Solar Impulse is a Swiss-built solar powered airplane envisioned by Bertrand Piccard and co-founder André Borschberg. Solar Impulse has already set several records in Europe, including the first solar-powered night flight, staying aloft for over 26 hours.
The airplane is a "flying laboratory" of advanced materials and design, including lightweight copolymers and carbon fiber sheets that are lighter than paper. The wings are covered with more than 11,000 solar cells, each only 135 microns thick. Much of the technology will lead to breakthroughs in wind turbine, electric car, and many other "everyday" applications.
But behind all the innovation is what Piccard calls the "true pioneering spirit" – breaking away from old ideas of what is and is not possible and envisioning a new world. Solar Impulse is not about carrying passengers but conveying a message of a better future.


This is a wonderful bar/resturant that offers a wonderful gluten free menu. They are very cautious with preparing and serving your meal and I have to say this is some of the best food I have had in years! My family had food off the regular menu and we just fell in love with this food. We actually travel 30 mins to get to this resturant, it's that good! You have to give this a try!