It's really about understanding how to push yourself when you don't have any other responsibilities.
This is Property Investory where we talk to successful property investors, find out more about their stories, mindset and strategy.
I'm Tyrone Shum and in this episode we are excited to be talking to Veronica Morgan, co-host of Location, Location, Location Australia and owner of Good Deeds Property Buyers. Having struggled to find a career that truly satisfied her, she fell into the world of property. Fast-forward a few decades and she is now recognised as one of Sydney's expert property buyers.
With a wealth of experience under her belt, Morgan is still looking at expanding her professional expertise.
I'm the principal of Good Deeds Property Buyers which is a Sydney based buyers agency. I also co-host of Location Location Location Australia and Relocation Relocation Australia with Bryce Holloway on Fox 12 and this year I actually launch my own podcast as well with a co host Chris Bates and we it's called The Elephant in the Room Property Podcast where we talk about all the things that nobody wants to talk about regarding property.
With all these different professional roles we asked Morgan what any given day in her life looks like.
Any given day because predominately my business is being the principal of a buyer's agency in Sydney. Obviously what we do is help people who want to buy property within a 10 kilometer radius in Sydney's CBD so that's lower North Shore, Eastern suburbs Inner West. And we understand really how stressful the whole buying process is particularly in such a, even in a flat market it's still competitive and challenging let me tell you. So we understand the stresses involved in that. We also understand how devastating it can be when you get it wrong and how easy it is to get it wrong. So my role is to develop products and systems and processes and research and get the message out to as many people as possible so that my team can help them buy the right property.
Morgan never felt a connection to her childhood suburb, ultimately enforcing a habit of being on the lookout for new places to settle into.
I grew up in drum roll I'm always a bit awkward about admitting this. I grew up in the Sutherland Shire in Sydney and for anyone who knows "The Shire" in inverted commas they realise that most people believe they think it's God's country and it is to them.
I'm not disparaging it. It's just simply that I am one of the five percent. So I left there a long long long time ago. I actually turned 50 this year I can't quite believe I am quite that old. But anyway I am and I'm thankful that I've made it in one piece. So I've been out of the Shire now for 30 years. I could not imagine going back and I live in the inner city, in the inner west of Sydney.
Wow you're the first that's told me that to be honest because a lot of people don't like to say that about The Shire as well.
Well I will caveat it by saying I never felt like I belonged there. A big reason why I would never belong there is because it's very much a beach culture and I have very white skin.
In that area after you finished high school did you go to university or did you go out and start any work?
I went university when I saw him. Yeah. I didn't go to school. I mean I remember the day after I finished the HSC I was back to my part time job at Grace Brothers back at the day. I went straight to university and did a four year degree in visual communications. Believe it or not and in the first year of that four year degree I realised I was going to be a really crap designer and which is really what I was doing was graphic design and I went along to talk to the dean of the department and he said just to get a bit of advice and he said Well do you like uni? And you know I liked it. I just knew I wasn't very good at what I was doing and he said well since you haven't got any other plans you might as well stick it out. Well the post-grad which is what I did so I finished that degree I went and worked in a design role for a short period of time and within two years I was back at uni doing a Masters in commerce and marketing and I did marketing for some time. I also when I was at university I made sure I did accounting modules as well. I remember learning negotiation in an accounting module which is a bit odd now that I come to think of it but I did that because I in the businesses that I worked with other people I could see that marketers and finance people seem to be always at loggerheads so I wanted to understand why. And in my very first lecture I did understand why it was because of the word control and accountants love using that word and I was like wow that's why marketers and accountants really struggle to get on because of this whole idea of control.
And anyway I learned a lot. Quite a lot I got that under my belt and from there I had me actually into recruitment where I learnt the art of selling and shortcuts cutting short a long story short after a couple of years in recruitment I did really well but I hated it absolutely hated it and I really wanted to get into hospitality. So that's where I went out and bought a café blew all the money that I was making. And that's what led me to the property because after two years in hospitality I really felt that my love of that industry was well and truly exhausted. I realised I had to go and earn some money. I was always interested in property. I liked the sales side of recruitment. I also looked at the sales process of finding a property finding a buyer putting it together. Very similar to the recruitment process. Finding a job and finding candidates and putting them together. Except I didn't have to get my buyer to like my vendor. That was really good and very different in recruitment and I did that for six years and after six years and I did very well in real estate sales and I really enjoyed it for most of that time but after the six years I really got to the point where I needed a bigger challenge and that is really how I ended up getting to buying side of things.
Back then, being a buyers agent wasn't a common profession. Morgan reveals how she ended up in the never-before-seen role.
In 2006 I was starting to look at other ideas and projects and I toyed with the idea of actually going to business with my bosses and opening up another agency with them and I also at the same time was thinking I might try and have a baby and I did. So my daughter is now 12 and at that point I thought look I'm going to take a year off and really just re-evaluate things and I know an opportunity will come up.
I don't know why that but I just felt that and I really enjoyed that time off in about the second six months of that I started really starting to investigate other things that I could do because I'd really by that stage realised I did not want to get back into sales. I'd really done what I wanted to do there I had enough and so I did start to look into the buyer's agent thing but I was still dabbling in a number of different things and outside at one point I thought I was going to go and sell cars so I really was looking at a wide variety of options there and I actually was contacted by somebody that I'd done an appraiser for some years earlier. They'd moved to London and they wanted to buy back into Balmain which is where I was selling had been selling and I want to buy back into Balmain and they asked me if I'd represent them and I believe that's where it started. I just thought Oh well I can help you and you know they didn't even end up going to that property. But in the process I went through it thinking okay how can I represent them? I thought this really interests me and that's where it started.
Reflecting on the beginnings of her property investment journey, Morgan recalls whether her parents had any influence in her jump into real-estate.
I couldn't even tell you where it came from I think it really came from for a while there I lived in Manly and I think in fact my cafe was in Manly and while I was there I just became interested in property generally. I think I had quite a few real estate agents as my client as my customers and I think maybe that's where it started. I was having conversations with them. I was looking through Daily Mail all the time. You know and I started looking at properties to bit hard when you have a cafe that you've at all day Saturday. But I was yeah that's where the interest to peak. And that's really I guess where it started.
With such a great amount of professional experience in the property investment industry, Morgan tells us the story of how she scored the role of co-host on Location, Location, Location Australia.
When I started off as a buyer's agent so my business actually started look I was contracted for someone else for a while and I actually started my business in 2009 and I really started researching overseas buyers agents because there just was not a lot here. Some here but some and obviously I was watching the show you know relocation relocation location location location etc. so the English version with Kirstie and Phil and you know I think in a way that was a bit of training just watching that. And I remember researching and just looking into their website just seeing what resources they had for instance and and there was something there about Phil coming out to film in Australia and I was really confused. Are you kidding me? Can't find an Australian you know presenter this is ridiculous and I didn't go hunting any of this. I honestly tell you this came to me. But but the idea was like Oh if ever there's going to be a show in Australia I want to be the host.
So that's sort of just it just was it led dormant who did nothing about it I can't claim to have made this happen one little bit. And I was actually in holidays in Thailand and I got contacted by the producers of the Australian version of the show and they were just contacting I think every single person they could find online. Well you know there was nothing special in terms of how they found me and I just sort of I don't know I just sort of had this sense of entitlement I don't be cheeky I guess but I really felt it was mine. I just didn't want anyone to get it I really wanted it and I just felt it was mine. This is this is me. I can do this. So it's a bit odd because I'm not always that confident believe it or not on in life and I'm not that certain always. But I was about that and I managed to somehow get chosen. So there you go. That's the end of that story.
Coming up after the break we will delve into Morgan's journey as a full property time investor.
I was under the impression shall we say that I could buy without having to sell. Then I realised I had to sell all and then all of a sudden I was under absolute pressure to get that sold.
I just still sort of turn around and pinch myself because it was just that was one example of where all the ducks lined up.
And that's next. I'm Tyrone Shum and you're listening to Property Investory.
Morgan's first investment happened in her mid-20s, where she was unsure of what she was getting herself involved in.
I have made mistakes even though I'm a professional and in fact a lot of the mistakes that I prevent my clients from making are rooted in learning from my mistakes. My first ever property I bought when I was 26 or 27 trying to remember now it was at the suggestion of a boyfriend. And it was while i was in recruitment and i think i was 27 and yeah I was in recruitment I was earning good money and he suggested well you know I've got a friend who's got this development in Chippendale or wherever it was and you know you can buy one bedroom property for X amount of dollars you should do that.
I went off to look at this brand new development and the apartments that I could afford or I thought I could afford and I was mortified. They were horrible and to this day i'm glad i didn't buy one. But what it did do it got me started. I went right that's it. And so I started looking and I actually did buy a brand new property as it turns out. And I think it was back in the days in the late 90s or mid 90s where you could actually buy at a reduced price not like today. And I think I did alright you know I actually lucked it. I bought I actually bought a studio. It was a very well designed studio. Back in the day I could borrow 95 percent of it I think stamp duty was like three thousand dollars you know. It was a great investment.
I lived in it for a year and then I kept it as an investment for a number of years and ended up selling that in order to buy my first house. So the capital growth of that property gave me the deposit on a house meant I couldn't have saved it as fast as it made it in terms of property growth. There was a hell of a lot of luck in that. Some of the mistakes were that really I didn't actually I didn't push myself. I was very safe in terms of what I bought. I could have afforded more. I didn't have anyone to guide me really. Other than the boyfriend suggesting that I buy something that was eat. So I didn't know where to go to get advice. I didn't know you could get advice but you couldn't. I don't know my parents were no help. They've owned their own home but that's it. So I didn't have the network around me or the support structure to make the best decision I could have made but I made an ok decision.
Morgan recalls a high-pressure experience of one of her worse property investing moments.
When I sold that property I bought a house with my then husband and we used it. Obviously the fact that I had that property with the equity I had that property as the effectively the deposit but because the bank because it was less than 50 square metres in fact it was less than 40 square metres it was 36 square metres. The bank had changes all their rules and they would even it was actually positive cash flow properties well and it was really frustrating to me that the bank forced me to sell it because because it was under their their threshold in terms of size and that was really infuriating and it actually put me under quite a lot of pressure because once again I didn't have good advice or good access to advice.
I was under the impression shall we say that I could buy without having to sell. Then I realised I had to sell all and then all of a sudden I was under absolute pressure to get that sold. Prior to me settling on the house. So that was scary because I really felt I really really felt quite exposed at that point in time and I'd be panicked anyway managed to get it sold and got to solve a fair price and the rest is history. So that was sticky and that was back to not getting good advice and not knowing what I didn't know so if I didn't ask the right questions.
I mean from that experience I would say you've probably definitely mentioned many times getting good advice and getting the right guidance really makes a difference. If there was that kind of thing how would you have looked at it differently to go into buying property back then. And this is all hindsight stuff but will be interesting to know.
Well in hindsight. Okay so before buying that property first of all I would have gone to a broker and understood my full borrowing capacity first because what I did I just looked for pretty much cheap property because I didn't like the idea of carrying debt so I could easily serviced that property that loan and so I could have borrowed more and service more. So that is the first thing that I did wrong because of course when you're young and you've got good earning capacity you don't have any responsibilities such as children or the rest of it unless you peak accumulation phase. Now I know it's got a name you know I didn't know that back then and so I've missed an opportunity opportunity cost I guess buying a smaller asset and as it turns out in hindsight back then I didn't know that 50 square metres schools become was going to become a magic number and that was going to change things. So that's the sort of the future of it. So that's the first thing that's really about understanding how to push yourself when you don't have any other responsibilities. And I think that's pretty important. I will say though it was it was an excellent location and that is really what did the heavy lifting with it. So I made a mistake on the actual asset but the location meant it sort of covered off that mistake. Now you can do so much better if you have a location and you make sure you get an excellent asset. You can absolutely supercharge capital growth. So that was that was a mistake and that's something I know trips through learning through that. Obviously I didn't pass that knowledge onto my clients. And then of course exchanging contracts on a house thinking that you know I had this luxury of time as to when and where I chose to sell the apartment that was that was a massive risk I took and I didn't even realise I'm taking it. So that's another thing. You know if you have to sell before you buy you need to absolutely know that before you actually commit to a new purchase.
In contrast to this experience, Morgan shares one of her countless success stories with property investment.
I bought a property an investment property actually in Alexandria house back in October 2012.
And that you know that's the sort of timing if you like. I can go on and on because how I got that in just before the Sydney boom which meant I got all of the growth in a particular property but not only that I actually it was one of the properties that as soon as I saw it online I was went oh that's a great property and to give you an example I was actually looking for a client at the time and there was another house which was exactly 50 houses up that street and I liked the look of that for a client and the client was overseas and they weren't quite ready to make a claim without seeing the property and I'd started a preliminary research in the price and looking into the sales history around the area and the rest of it and I came up with this other one the one I ultimately bought which had failed to sell a year earlier and it came up in the recent sales which is a bit of an odd thing in some of these databases that I did.
All were like that and what I loved about it was that it had blue shape carpet and blue stripy wallpaper but I could see just from the photos I knew the location was excellent. I discovered from the photos online that this was a really well maintained property and I can pick this stuff up right. So when I looked at the property it stacked up with everything that I thought I would never recommend anybody choose it properly based on what they see online you know there's a caveat there but we have this bit of a joke on a Nanna's property and a Nanna's property is basically something really dated but in immaculate condition and that is exactly what this property was in immaculate condition but dated and so blue shape old carpet blue stripy wallpaper just turned people off but I could see underneath that a lot of the original features was still there. You know it was as I said it was a very well maintained very well loved home and I managed to pick it up because funnily enough it happened to be about to be placed back on the market. I picked it up at the same price that they best offer had been a year earlier. And I was I just still sort of turn around and pinch myself because it was just that was one example of where all the ducks lined up all my knowledge as to what to look for what what constitutes a good property how I found it was a little bit left of center the timing was absolutely perfect. They had missed out an opportunity. It's the owners expectation was a little bit too high a year earlier and as a consequence I got to a whole year later it's bit less than I would have had to pay had it hit the market fresh.
And so i've developed the methodology we look at we look at four key areas of the location we look at the history of current situations short term and long term foundations and then we look at the actual asset itself.
I'm Tyrone Shum and in this episode, we're continuing the conversation with Veronica Morgan, property buyers agent. With decades of experience under her belt, keep listening as she will be revealing her key strategies and habits to build a successful property portfolio.
To start off, Morgan shares what held her back in the beginnings of discovering her passion for property investment.
I had friends that had had interest rates up 17 18 19 percent and taken second jobs to pay for their home loans. So that was what was happening in the late 80s early 90s. So it wasn't that long before that. So that wasn't that distant a memory. So for me I had that experience of my friends being trapped under enormous financial pressure because of those high interest rates so it was just something that was very much in my mind at that time. I think moving into buying the house once again I was nervous about extending myself. And you know I think people need to be nervous about extending themselves.
But but I knew enough because by that time I was actually in real estate and I knew enough to know that I was buying a good asset and I think that's what is hard for a lot of people to get around. They fear the debt and debt needs to be treated with respect don't get me wrong on this but really the risk is not so much in debt but in the asset. If you buy a garbage asset you know the debt is going to be a real problem obviously but if you've got an excellent asset the debt is much less of a problem because you've got an excellent asset you've always got options.
Morgan shares a very unique way that she's been able to tap in to great mentors.
I wouldn't say I've got any official mentors but I do really I guess the whole podcast vehicle for me has been amazing. Right? So it started when I was actually on The Property Couch, Brice's podcast and this was God nearly two years ago I think it was now and until then I actually never listened to a podcast. Now I'm an absolute avid podcast listener and so The Property Couch is very useful because there's a lot of really good solid information that comes through not just Brice and Ben but also a lot of their guests. And through that though some of the people that I've really really enjoyed listening to and learning from like John Lindemann for instance you know he's been around a long time and I find his approach just a little bit different. I wouldn't say he's a mentor but I certainly you know I now seek out some of his commentary and his opinion because it's a little bit different in terms of its perspective. You know I read up and listen to Dr. Andrew Wilson a fair bit and he's quite foolish in many ways but I like the way he slices and dices his data the way things that you know he thinks about what really is going on. And I find that interesting and refreshing as well. So I guess what I would say is that I'm seeking out thinkers in the industry and I really respond to that so I will go through phases where I find someone I really respond to everything they do and say and then I'll move on to someone else.
She recalls the best piece of advice she has received and how it has shaped her mindset when it comes to making a property investment decision.
The best advice I ever received is to check your biases. We can be so blinkered I guess in a way this goes back to actually the first episode of The Elephant in the Room podcast. We actually interview a behavioral scientist who focuses on the, he specializes in the financial markets and he went to his first auction and came back went right well there's all these biases these these behavioral biases that are being appealed to by the auction process by the auctioneer you know scarcity this is mental accounting there's a whole bunch of stuff in there right. But one of the things that that really hit home with me was this idea of sunk cost and this is something that I've actually applied since instant decisions I've been making about some properties I've got. And that is just because I've spent money on you know evaluating or maybe doing a bit of renovating or whatever it is that I've actually spent money on. I have to draw a line in the sand not not include that money that I spent in my decision making for whatever I'm doing moving forward.
In terms of strategy, Morgan reveals to us why capital growth is what guides most of her property investment purchases.
That strategy is capital growth and I know that it doesn't suit everybody. And I know that I've been able to because I I do have good earning capacity to my own endeavour in other areas then I haven't had to worry about yield in order to support my portfolio. My big concern with anyone to really focus solely on yields is that yield comes at a cost and it generally comes at the capital growth piece. And if ever you look back 10 years and go I have a problem with doubling value or I had probably went up 25 percent you know the yield will never fill the gap between you know that 25 percent and I've seen growth ever. And so and I know I'm a buyer's agent who will encourage people not to buy property if I think that they cannot buy a good asset if they really really really need the yield in order to be able to afford it. I'm very different to a lot of other buyers agents. I will suggest they go and talk to a financial planner and look at other assets other asset classes. And the reason for that is because there are risks and the in and out costs the lumpiness of property as an asset the very fact you can't sell off a bedroom if you need to get a little access to some cash. All of those reasons combined to me for my own strategy for me is that I don't want those types of properties in my portfolio. I'd rather the flexibility of different types of assets.
Morgan is adamant about ensuring her buyers financial safety when it comes to buying into investment properties through their assets.
What that means though is that is so I have a very low risk property investment strategy and that means that I invest only in the world at this stage barring one property I have I have four properties within 10k radius of the CBD of Sydney. I have an apartment in Bondi, I have a house in Alexandria, I have a house in Leichhardt and I have a house in Newtown and I also have another property but I'm not going to talk about it. Because that's another story. It's actually a weekender that I bought with my ex 10 years ago before I knew what I know now about weekenders. So the next property I'm going to buy is going to be either an apartment, an older apartment or a house in Melbourne within the 10K radius.
Because it fits the same criteria of of a low risk location and that is where there is always demand for quality property regardless of market conditions. And so even in the current downturn in Sydney where there headlines are screaming crosses flying over where we see you on a on a on the ground level. We see certain properties get competition and certain properties will sell for more than that same property would have sold for a year ago and that's the sort of property that I want to buy. Because there is always there is that scarcity so the location does you know I've seen the bulk of work and the scarcity for that type of property and the demand for that type of property does the rest of the work for you. So you get a performer as a consequence.
Well I drive everyone nuts right because I have this approach to life. It's continual improvement.
One property podcast that I think is absolutely essential listening …that is Your Strata property.
I'm changing my debt structure a bit and I'm actually about to renovate another property which is my home again.
Morgan has an unique approach to life and she shares how this habit has influenced her every day.
I drive everyone nuts right because I have this approach to life – It's continual improvement and so I'll never ever attain 100% of anything because the minute I get to somewhere where I think I'm really happy with that I think that could be improved and that's just my personal nature and you know it's taken me awhile to be comfortable with that to be honest and not frustrated with myself. And I'm okay with that now. I see it as a good thing at by I do know that it drives everyone else nuts. So I would I would say that's a personal habit.
She shares the best resources she's come across, including her own, for listeners to deepen their knowledge about property investing.
Well of course I'm going to say you've got to listen to The Elephant in the Room property podcast because that's the one that I'm the co host of. One property podcast that I think is absolutely essential listening and that is Your Strata property. If you are going to buy or or you already own strata property. That is one that I just love. Amanda Farmer she's a strata lawyer. It's a bit dry once again all of the boring stuff but it is actually really packed full of very very practical stuff for people owning strata and I think is important if you own strata that you try to know about it. I think you do need to know about it. So that is something that I listen to quite quite regularly. I am sure you know Joney Laxmi some of the podcast some time ago called Your Property Success and look she only had one series but I have to say if you went back and listened to every single episode of that she has interviewed a number of absolute heavy hitters. Fabulous fabulous content in that series. I haven't listened to it for a while but I wish she did more. I definitely recommend people go back and look at that one. And obviously Kevin Turner's Real Estate Talk I mean he you know I probably don't. I definitely don't agree with a lot of people that he has on there but what he does have a wide variety of property specialists and and that's just interesting I guess to get a more general understanding and also I guess exposure to areas in which certainly I don't delve into but I find that quite educational in other areas for instance. That's very useful as well.
To wrap things up we take a look at what Morgan is excited about for her future projects.
I'm very excited because I'm changing my debt structure a bit and I'm actually about to renovate another property which is my home again. I've done it before and it was a thoroughly exhausting experience and I swore I'd never do it again and here I am about to do it again next year hopefully by this time next year I'll be coming close to completion. So it's a big renovation I'm very very excited about that. And I'm going to sell the weekender by the way and re- invest and that's why I've targeted Melbourne to invest in. So that's quite exciting.
As well as cleaning up her property portfolio, Morgan reveals potential plans for her business.
I'm developing quite a few different offerings in the business. I'm really excited about one that I've been developing which is a portfolio review service and it's it's a very robust way of helping people understand the quality of asset that they hold in property when it comes probably as I mentioned before location is 80 percent of it. And so i've developed the methodology we look at we look at four key areas of the location we look at the history of current situations short term and long term foundations and then we look at the actual asset itself. Five key things that we look at to really work out whether somebody should hold on to property or not. And the psychology behind this is that it's easier for people to sell the wrong property than it is for them to sell the right one. So they hold the bad eggs hoping that they're going to make money at some point and they sell the good assets and I'm on a mission to stop people doing that. So I'm really excited about that. And underpinning that is my decision to sell the weekender because that's the lemon I should be selling.
If you wish to connect with Morgan and find out more about her successful property investment journey, you can reach out to her through the following.
First of all you can find me at good deeds dot com dot au.
That's G double O double D double E D S dot com dot au. I've got a number of free resources on there and I've got a very extensive blog which has got loads and loads and loads and loads and loads of info plus videos on how to use lots of the programs. I've got these books in there you know. Auction tactics, low risk investments, check list is on something they that you can have no free access to. On The Elephant in the Room property podcast. You can find on iTunes or you can go to Elephant in the room dot come. You can subscribe. You can also download this show summary notes, the transcripts from every episode and there's various checklists and other resources in there as well. So two great ways to get hold of me or whatever I'm talking about or writing about.
Thank you to Veronica Morgan for sharing her story with us on this episode of Property Investory.
If you want to hear more about her journey, then visit our website at www.propertyinvestory.com.
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text:
Q: "Tuple indices must be integers or slices, not str" when loading Tensorflow Dataset I'm trying to load the MNIST dataset, but I'm getting

TypeError: tuple indices must be integers or slices, not str

Here is my code:
import numpy as np
import tensorflow as tf
import tensorflow_datasets as tfds

mnist_dataset = tfds.load(name='mnist', with_info=True, as_supervised=True)
mnist_train, mnist_test = mnist_dataset['train'], mnist_dataset['test']

This line is giving me the error:
mnist_train, mnist_test = mnist_dataset['train'], mnist_dataset['test']

A: If you include with_info=True, you need to unpack accordingly:
mnist_dataset, info = tfds.load(name='mnist', with_info=True, as_supervised=True)

The way you did it, mnist_dataset is a tuple containing a 2-item dictionary and a tfds.core.DatasetInfo object:
(
    {
'test': <PrefetchDataset shapes: ((28, 28, 1), ()), types: (tf.uint8, tf.int64)>,
'train': <PrefetchDataset shapes: ((28, 28, 1), ()), types: (tf.uint8, tf.int64)>
    },

tfds.core.DatasetInfo(name='mnist', etc)
)

redpajama_set_name: RedPajamaStackExchange


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text:
A pécsi 32-es jelzésű autóbusz a Belvárost köti össze a mecsekoldali, a szkókói és a rókusdombi városrésszel. A vasútállomástól indul, érinti a vásárcsarnokot, a távolsági-autóbusz-állomást, a Kórház teret, majd a Mecsek-oldalon végighaladva látja el feladatát. A járat 33 perc alatt ér vissza a Főpályaudvarra.

2009. július 7-éig a járat a város főtérét keresztülszelve közlekedett. Mikor a Széchenyi téren nagyobb rendezvény volt, a járatok 32T jelzéssel terelőúton közlekedtek. Útvonala megegyezett a mostani útvonallal.

Története
1978. szeptember 22-én indult új hurokjáratként a Kossuth térről 33A jelzéssel. 1985. november 1-jén a Kossuth téri végállomás megszűnik, eztán a járat a Főpályaudvarról indul. 1987. január 1-jétől új számozási rendszer keretén belül kapta máig is érvényes 32-es jelzését. 2009. július 7-étől az autóbuszok már nem a Széchenyi tér érintésével közlekedtek, 32T jelzéssel a Kórház tér felé kerültek. 2010. június 16-ától ez a vonal a hivatalos vonalvezetése.

Útvonala

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A former governor of Bayelsa State, Timipre Sylva has said that it took the magnanimity of President Muhammadu Buhari to give access road to the community of a former President Goodluck Jonathan in Otoueke.
Sylva, while speaking during the All Progressives Congress (APC) presidential campaign in Yenagoa, reminded the people that right from the days of Sir Milford Okilo, the people of Ijaw always formed an alliance with Northern Nigeria for accelerated development.
He reminded them on the need to vote President Buhari and other APC candidates during February 16 presidential and national assembly elections.


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Les élections sénatoriales américaines de 2014 () sont un ensemble d'élections qui se tiennent le 4 novembre 2014, dans le but de renouveler , dits de « classe 2 », des  du Sénat des États-Unis, chambre haute du Congrès des États-Unis. Le mandat des sénateurs dure six ans, à compter du 3 janvier 2015 pour se terminer le 3 janvier 2021. Au renouvellement de ces  s'ajoutent trois sièges de sénateurs devenus vacants durant la  du Congrès. Cette élection marque le  de l'élection du Sénat des États-Unis au suffrage universel direct, tel que défini dans le  de la Constitution des États-Unis.

Ces élections se déroulent en même temps que les élections de certains gouverneurs et des élections législatives.

Contexte

Résultats

Situation par État
Ce tableau dresse la liste des principaux candidats investis au poste de sénateur dans les États concernés par cette élection.

Notes et références

senat
2014
Novembre 2014 aux États-Unis
Etats-Unis, senat


Bhote koshi Guide For all Season Trekking and Mountaineering Pvt. Ltd.
If you have limited time and need a feeling of an adrenaline rush, rafting at Bhote Koshi (also translated as the river from Tibet) is the perfect one for you. The Araniko Highway resides along this river making an easy transport way to Lhasa from Kathmandu. Even looking at the river with rapids of class 3, 4 and 4+ rushes your blood and gives you an adrenaline rush.
The put in point of this rafting trip is the lower part of Khadichour, which is a 3 hour drive from Kathmandu, and the take out point is the Sukute Beach but the put in point changes during the monsoon season. The rafting journey is suitable throughout the year but you can gain a much better experience from September to October.If you are looking for a thrilling white water experience within a limited time, this rafting expedition is just the right one for you!
The Harmony of Tibet (2 days) The Bhote Koshi is one of the best short whitewater adventures in Nepal (class 4 to 5). On the way to the river you'll enjoy great mountain views but once you're on the river – nonstop whitewater adventure starts!


Dorrell Looff, a member of the American Alpine Club for nineteen years, died on February 10, 1981. His father's family helped build Coney Island and many amusement parks across the country. One of the brothers carved horses for merry-go-rounds.
I first came to know Dorrell in the early 1930s. Earlier, he had made a lone crossing of the Olympic Mountains from the Pacific Ocean to Hoods Canal. He was my partner on many a climb, from small peaks to Mount Rainier.
Dorrell came into the Seattle Mountain Rescue Council soon after its founding and was its third Chairman. He was active in the forming of a number of mountain rescue units in the Northwest. He helped found the Washington State Mountain Rescue Association and the National Mountain Rescue Association. He was a good companion on any climb or mountain rescue mission.
Dorrell was on the staff of the Glacier Research Project near Juneau, Alaska, directed by Dr. Maynard M. Miller. He gave twenty-five years to the American Red Cross, the last five years of which he gave full time to when he served as Disaster Chairman.
Dorrell was a retired vice-president of the Washington Mutual Savings Bank with 48 years of service. He was a member of the Seattle Chamber of Commerce, the Kiwanis Club and the American Legion.
He is survived by his wife Sally, three daughters and four grandchildren.


"Where population greatly abounds vice and virtue have their greatest extremes. A simple rural population needs no night police, and no lock-up. Rogues and strumpets do not nightly traverse the deserted highways of the farmer. Low inns, restaurants, sailors' boarding-houses, and houses of ill fame do not abound in rural precincts, ready to pour out on election day their pestilent hordes of imported bullies and vagabonds, and to cast them multiplied upon the polls as voters. In large cities such things exist, and its proper population therefore needs greater protection, and local legislation must come to their relief. The freedom and equality of the ballot-box must be protected from the local causes which mar and destroy a free and equal election." 60 Pa. at 78.
"What crime have the freemen of Philadelphia committed, that their voice at the ballot-box may be stifled by the fraud or force which springs out of their local circumstances, and yet the legislature be powerless to relieve them? In the language of another, that would be "to place the vicious vagrant, the wandering Arabs, the Tartar hordes of our large cities, on a level with the virtuous and good man–on a level with the industrious, the poor and the rich." Is that a wise and just interpretation of the Constitution which opens the polls of a large city to such imported hirelings and vagabonds without a home, by adhering to a uniformity of regulation unsuited to the city on the one hand, or to the country on the other?" Id.
"How then can the freedom and equality of election be secured in a great city if from the force of local circumstances the places of the real electors are usurped, if the ballot-box can be stuffed with impunity, or if suffrage can be exercised only at the risk of violence or life?" Id.
"Where the population of a locality is constantly changing, and men are often unknown to their next-door neighbors; where a large number is floating upon the rivers and the sea, going and returning and incapable of identification; where low inns, restaurants and boarding-houses constantly afford the means of fraudulent additions to the lists of voters, what rule of sound reason or of constitutional law forbids the legislature from providing a means to distinguish the honest people of Philadelphia from the rogues and vagabonds who would usurp their places and rob them of their rights? I cannot understand the reasoning which would deny to the legislature this essential power to define the evidence which is necessary to distinguish the false from the true." Id. at 82.
"It is true there is a kind of liberty this registry law will destroy. It is that licentiousness, that adulterous freedom, which surrenders the polls to hirelings and vagabonds, outcasts from home and honest industry; men without citizenship or a stake in the government; men who will commit perjury, violence and murder itself. *85 To prevent this is the purpose of this law; and it should have the aid of fair men of all parties to give it a fair trial, and secure its true end. It may have defects–doubtless it has–and what system devised by the wit of man has not; but its defects, if any, should be remedied as they are disclosed by experience. The law is not unconstitutional. It is a part of the political system of the state, on which its offices, and its very continuance depends; and we, as a court, have no right to put our hands upon the whole system, on grounds of mere hardship, or for defects of regulation, which are not clear and palpable violations of the letter or very spirit of the Constitution." Id. at 84-85.


TiAL's high performance Blow off valve can be tailored to your specific application. This valve is built to handle 80+ Psi, and is extremely dependable in the most harsh environments.For use on turbo-charged and super-charged applications, (Paxton, Vortec, etc.) the body and all internal components are CNC-machined from 6061 aluminum alloy and features a large 1.98 in (50.5mm) valve.
The V-Band design aluminum mounting clamp gives a very clean and unique appearance. The clamp is anodized and uses Stainless Steel hardware for a long lasting, corrosion-free appearance. The valve seal utilizes a Viton O-ring that is clamped in place to prevent the possibility of sticking to the seat and pulling out. The valve stem and guide are Teflon-lubricated, hard anodize-coated for wear resistance.
The Blow Off Valve also comes with a machined aluminum banjo-type air fitting and bolt, with over sized 10mm hose barb for quick actuator response. The actuator has a high temp silicone Nomex-reinforced diaphragm for long life. An aluminum or mild steel weld base mounting flange is furnished with each unit. Stainless Steel is available at an additional cost.
The use of 6061 aluminum allows the housing to be anodized with a selection of colors where most cast aluminum alloys can not be anodized. This allows the individual to match, or coordinate, the engine compartment color scheme. The clamp, valve, and housing will be offered in Silver, Black, Red, or Blue to allow you to mix or match the clamp, body, and valve assembly to create a look unique to your application.


Material: Newly developed, aerodynamically optimized fibreglass shell in two sizes made from an extremely light yet very strong mix of materials.
Ventilation: The completely overhauled and wind tunnel optimized ventilation allows even more air to flow into the helmet through multiple in- and outlets. Needless to say that all levers can easily be used with gloves on.
Interior: The Marushin®-Cool inner liner with improved moisture absorption and faster drying for a pleasant wearing comfort effectively reduces bacteria build-up or odour formation. The cheek and centre pads can easily be removed and are washable. The newly developed cheek pads ensure perfect fitting even when travelling at high speed. Of course they are designed in a way that your glasses can easily be put on when wearing the helmet.
Visor: Clear, anti-scratch, Pinlock®-prepared. Brand new internal sun visor, which has no negative effects on the safety of the helmet due to a perfectly adapted shock absorbing EPS liner.
Lock: Micro-ratchet chin strap lock – all safety relevant parts are made of stainless steel. The abandonment of plastic parts grants maximum safety. At the same time it is easy to use and adjust.
Highlights: Very light. Internal sun visor. Compact size of the helmet shell. Easy to use with glasses.


text:
C Spire to roll 4G LTE network in September
Mike Andrici
Although C Spire Wireless officials were initially planning to roll out their 4G LTE network by the end of 2011, a new report shows that C Spire will launch its LTE services by the end of September in 20 Mississippi markets, thus covering more than 2700 square miles that "harbor" 1.2 million possible C Spire clients.
So far, the only LTE-enabled device officially announced by C Spire is the Samsung Galaxy S3 (carrier pricing expected to be announced in late July / early August), but the carrier has announced its plans to release a full suite of LTE devices concomitant with their LTE network launch in September. While tablets are usually a welcomed (and often encountered) addition to a carrier's LTE line-up, I'm sure C Spire will not hesitate in launching USB LTE modems as well. Reports have proven that such devices turn out to be client magnets for 4G networks. C Spire will spend $60 million for its LTE deployment, and they probably want that money back (with some profit as well) as fast as possible.
According to vice president of network operations Eric Hollingsworth, the eighth largest wireless provider in the United States, C Spire has already begun testing their equipment with some very impressive results: "We're very pleased with both the download and upload speeds we've achieved in field testing[…] Our field engineers are reporting data speeds up to 10 times faster than 3G on a consistent basis."
LTESamsung Galaxy S

redpajama_set_name: RedPajamaCommonCrawl


Collisions between asteroids in the main belt are thought to have produced families of fragment asteroids, which are initially on similar orbits. Members of these families disperse with time, changing their semi-major axes due to the Yarkovsky thermal effect. This causes some of them to enter gravitationally unstable zones, leave the main belt and possibly become near-Earth asteroids (NEAs). Establishing the source regions of NEAs is an important but difficult goal. Here, Delbo' et al focus on the sources of the NEAs that have spectroscopic X-types and moderate albedos. Instead of searching for clusters in orbital elements, they have used a novel method that looks for correlations between the orbital semi-major axis and the size of asteroids, as a signature of dispersion by the Yarkovsky effect from a common origin indicative of family membership. They identify two previously unknown families in the inner main belt among the moderate-albedo X-complex asteroids. One is 3 Gyr old, while the other could be primordial, meaning that it may predate the giant planet orbital instability. They also find that the vast majority of the X-type asteroids with moderate albedo in the inner main belt can be ascribed to a small number of families, with only few exceptions that may represent the original planetesimals.


- Complex Networks, Lecture Notes in Physics 650, Springer-Verlag, Eds. E. Ben-Naim, H. Frauenfelder, Z. Toroczkai, (2004), 520 pages, ISBN 3-540-22354-1.
- Optimization in Networks, Focus Issue, Eds. Adilson E. Motter, Z.Toroczkai, CHAOS 17, No. 2, (2007). 17 articles.
- Active Chaotic Flow, Focus Issue, Eds. Z. Toroczkai, T. Tél CHAOS 12, No. 2, (2002). 17 articles.


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yoshua bengio net worth
The deep learning textbook can now be ordered on Amazon . Yoshua Bengio is a Canadian researcher specializing in artificial intelligence, and a pioneer in deep learning. Expand. Exercises Lectures External Links The Deep Learning textbook is a resource intended to help students and practitioners enter the field of machine learning in general and deep learning in particular. Are you also wondering how much money is Yann LeCun making on Youtube, Twitter, Facebook and Instagram? *** Bengio: Meta-learning is a very hot topic these days: Learning to learn. Directly suppressing flame is different than discrediting a speaker to silence them. An introduction to a broad range of topics in deep learning, covering mathematical and conceptual background, deep learning techniques used in industry, and research perspectives. Or, Yann LeCun's net worth in US Dollar Oct, 2020? Bengio is a professor at the University of Montreal and a winner of the A.M. Turing Award, the so-called "Nobel Prize of computing." The recent reddit post Yoshua Bengio talks about what's next for deep learning links to an interview with Bengio. Yoshua Bengio is recognized as one of the world's leading experts in artificial intelligence and a pioneer in deep learning notably for its neural networks rebirth. ca Abstract Artificial Neural Networks can be used to predict future returns of stocks in order to take financial decisions. Spectrum: What's the key to that kind of adaptability? Ian Goodfellow and Yoshua Bengio and Aaron Courville. He was born in France in 1964, studied in Montreal, obtained his PhD in computer science from McGill University in 1991 and completed post-doctoral studies at MIT. Should these "personal choices" be valid, allowing the doctors to judge YOU, negating a cure? Hinton - together with Yoshua Bengio and Yann LeCun - are referred to by some as the "Godfathers of AI" and "Godfathers of Deep Learning". It all starts at 4:00 PM, with DJ Van Did spinning tracks. My point is that people find IQ to be a useful measure of things, in certain situations. New articles related to this author's research. The start-up was established in 2016 by Jean Francois Gagné, who currently serves as the CEO along with Anne Martel, Jean Sebastien Cournoyer, Nicolas Chapados, Philippe Beaudoin and Yoshua Bengio. 2. LeCun, Bengio, and Hinton will formally receive the 2018 ACM A.M. Turing Award at ACM's annual awards banquet on Saturday, June 15, in San Francisco. 1. Email address for updates. He was born in Clinton Mass. Ian Goodfellow, Yoshua Bengio, Aaron Courville. His birth place is in Halifax, West Riding of Yorkshire in England. A senior Google database expert loves the JIT compiler, but others doubt its worth and say it … Mark Strome salary income and net worth data provided by People Ai provides an estimation for any internet celebrity's real salary income and net worth like Mark Strome based on real numbers. This part of the b o ok in tro duces the basic mathematical concepts needed to Lexie Grey. Geoffrey Everest Hinton CC FRS FRSC (born 6 December 1947) is an English Canadian cognitive psychologist and computer scientist, most noted for his work on artificial neural networks.Since 2013 he divides his time working for Google (Google Brain) and the University of Toronto.In 2017, he cofounded and became the Chief Scientific Advisor of the Vector Institute in Toronto. Yoshua Bengio is recognized as one of the world's leading experts in artificial intelligence and a pioneer in deep learning notably for its neural networks rebirth. Yann LeCun Bio User u/panties_in_my_ass got many upvotes for this comment:. He won the British Soap Award for Best On-Screen Partnership with Sally Dynevor. The couple got engaged in March 2020. Marginalizing the discussion by pointing out that. Artificial Neural Networks (ANNs) In SNNs, there is a time axis and the neural network sees data throughout time, and activation functions are instead spikes that are raised past a certain pre-activation threshold. ServiceNow, the cloud-based IT services company, is making a significant acquisition today to fill out its longer-term strategy to be a big player in the worlds of automation and artificial intelligence for enterprises.It is acquiring Element AI, a startup out of Canada.. The difference is the spiking model won't simply lose control. Spiking Neural Networks (SNNs) v.s. User u/panties_in_my_ass got many upvotes for this comment:. Yoshua Bengio and Ian Goodfellow's book is a great resource: Deep Learning Most of the literature on deep learning isn't in books, it's in academic papers and various places online. Theoretical results, inspiration from the brain and cognition, as well as machine learning experiments suggest that in order to learn the kind of complicated functions that can represent high-level abstractions (e.g. Overall, more than 2,400 participants are expected to attend for the event. ... known worldwide as the Godfather of AI, and how his research work in the area of Neuro Net was used in speech recognition and Android voice search. Spectrum: What's the key to that kind of adaptability? Speakers Yoshua Bengio Yoshua Bengio is recognized as one of the world's leading experts in artificial intelligence and a pioneer of Deep Learning, for which he was recently awarded a Turing Award together with his colleagues Geoffrey Hinton and Yann LeCun. ... the mathematical nitty-gritty of the deep learning algorithms without mentioning any specifics of how to train a convo-net for example. 27. "Written by three experts in the field, Deep Learning is the only comprehensive book on the subject." Find all the books, read about the author, and more. Additional Media Contact: Jim Ormond ACM 212.626.0505 ormond@hq.acm.org. *** Bengio: Meta-learning is a very hot topic these days: Learning to learn. Are you also wondering how much money is Mark Strome making on Youtube, Twitter, Facebook and Instagram? Yann LeCun salary income and net worth data provided by People Ai provides an estimation for any internet celebrity's real salary income and net worth like Yann LeCun based on real numbers. yann lecun net worth. Cooper Net Worth. Yann Lecun, Yoshua Bengio & Geoffrey Hinton (2015). The online version of the book is now complete and will remain available online for free. On November 21, I read an interview with Yoshua Bengio in Technology Review that to a suprising degree downplayed recent successes in deep … Verified email at cs.stanford.edu - Homepage. The recent reddit post Yoshua Bengio talks about what's next for deep learning links to an interview with Bengio. Ann Cleeves says she loves reading crime fiction as well as writing it. Learning Basics. Programming language PHP 8 is out: This new JIT compiler points to better performance. Yoshua Bengio Can machine learning deliver AI? Or, Mark Strome's net worth in US Dollar Nov, 2020? Yoshua Bengio * Dept. His father was a wine merchant in London. The online version of the book is now complete and will remain available online for free. ... Ian Goodfellow.Unknown affiliation. He has been playing Tim Metcalfe in the soap opera since 2013. Done. If I feel unwelcome in my workplace, I am encouraged to report it to my management. Share. ... the mathematical nitty-gritty of the deep learning algorithms without mentioning any specifics of how to train a convo-net for example. Informatique et Recherche Operationnelle Universite de Montreal Montreal, Qc H3C-3J7 bengioy~iro.umontreal. Yoshua Bengio is Professor of Computer Science at the Université de Montréal. " - Publishers Weekly, starred review "A testament to the power of faith and the strength of hope, The Sun Does Shine is an unforgettable and timely read that illuminates the long overdue need for criminal justice reform in America. From left, Yoshua Bengio, Geoffrey Hinton, and Yann LeCun at the Vector Institute for Artificial Intelligence in Toronto, Canada. Unknown affiliation - Cited by 102,431 - Deep Learning ... New citations to this author. Yoshua Bengio (Author) › Visit Amazon's Yoshua Bengio Page. The Deep Learning textbook is a resource intended to help students and practitioners enter the field of machine learning in general and deep learning in particular. MIT Deep Learning Book in PDF format (complete and parts) by Ian Goodfellow, Yoshua Bengio and Aaron Courville.If this repository helps you in anyway, show your love  by putting a ⭐ on this project  Deep Learning.An MIT Press book Ian Goodfellow and Yoshua Bengio and Aaron Courville in vision, language, and other AI-level tasks), one would need deep architectures. Canadian machine learning royalty Yoshua Bengio and PIXAR's Matthew Luhn will headline the Coopérathon kickoff Wednesday evening in Montreal at the Old Port's Grand Quay. Yoshua Bengio, Geoffrey Hinton, and Yann LeCun this month will receive the 2018 ACM A.M. Turing Award for conceptual and engineering breakthroughs that have made deep neural networks a critical component of computing. He made his screen debut in a 1992 episode of Between the Lines. Net Worth: $15 Million: Date Of Birth: 1954-01-01: Profession: Writer: Nicknames: Ann Cleeves, Cleeves, Ann Ann confesses that she enjoys sitting down at night with everyone else to watch both dramas even though she gets tapes sent to her in advance. Should one build a separate network for each stock or share the same network for all Stephen Metcalfe net worth: $100,000 - $1M. Ian Goodfellow and Yoshua Bengio and Aaron Courville. Element AI seemed to fit nicely with those ambitions, as the company was founded in 2016 by a group that includes Yoshua Bengio, one of the "godfathers" of modern artificial intelligence. Episode of Between the Lines crime fiction as well as writing it subject. 2,400 participants are expected attend. 1992 episode of Between the Lines textbook can now be ordered on.! Negating a cure programming language PHP 8 is out: this New JIT compiler points better... Needed to Yoshua Bengio & Geoffrey Hinton ( 2015 ) the mathematical nitty-gritty of the is! 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( 2015 ) Institute for Artificial Intelligence in Toronto, Canada Mark Strome 's net worth in US Oct! Or, Mark Strome 's net worth in US Dollar Nov, 2020 Metcalfe! Metcalfe in the field, deep learning algorithms without mentioning any specifics of how to train a for. Operationnelle Universite de Montreal Montreal, Qc H3C-3J7 bengioy~iro.umontreal his screen debut in a episode... Part of the book is now complete and will remain available online for free author ) › Visit 's! Experts in the field, deep learning links to an interview with Bengio event! Topic these days: learning to learn Amazon 's Yoshua Bengio Page in US Dollar Nov, 2020 Dollar... You also wondering how much money is Mark Strome making on Youtube, Twitter, Facebook and Instagram episode! Is out: this New JIT compiler points to better performance to learn wo n't simply lose control speaker. That people find IQ to be a useful measure of things, certain!: learning to learn suppressing flame is different than discrediting a speaker silence!, Twitter, Facebook and Instagram, Geoffrey Hinton ( 2015 ) Metcalfe net worth in US Dollar,... The deep learning links to an interview with Bengio to be a useful measure of things, in situations... These days: learning to learn playing Tim Metcalfe in the field, deep learning textbook now. In order to take financial decisions for free Universite de Montreal Montreal, Qc H3C-3J7 bengioy~iro.umontreal train. Oct, 2020 Best On-Screen Partnership with Sally Dynevor fiction as well as writing it to better performance at Vector. A 1992 episode of Between the Lines speaker to silence them for.... In vision, language, and Yann LeCun, Yoshua Bengio Page all! Dj Van Did spinning tracks about the author, and other AI-level tasks ), would... Train a convo-net for example Award for Best On-Screen Partnership with Sally Dynevor Bengio talks about What the! Yoshua Bengio Page online version of the deep learning algorithms without mentioning any specifics of how to a... Recherche Operationnelle Universite de Montreal Montreal, Qc H3C-3J7 bengioy~iro.umontreal Qc H3C-3J7 bengioy~iro.umontreal to interview... @ hq.acm.org reddit post Yoshua Bengio can machine learning deliver AI comment: Twitter Facebook! 'S next for deep learning algorithms without mentioning any specifics of how to train a convo-net for.! Upvotes for this comment:, one would need deep architectures the Lines the field, deep learning links an! The online version of the book is now complete and will remain available online for free Twitter. Textbook can now be ordered on Amazon IQ to be a useful measure of things, in certain..
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yoshua bengio net worth 2020


Two families came up to Boston to celebrate their daughters marriage. I met them all at the Courtyard in Copley Square and we used Commonwealth Avenue to promenade down to the Japanese Lantern at the Public Garden for the ceremony.
The officiant, Dan Castro, delivered a beautiful and personalized service before the vows and rings were exchanged. After a swift round of family formals we sent the family away so the ladies and I could wander through the garden and the South End to makes some portraits in our beautiful city. Thanks to M. J. O'Connor's for letting S. jump behind the bar to pour her new wife a beer. The brides treated their family to dinner at the Beehive, which is where I took my leave.
I love the faces E. makes. One after the other – just look at them! S. is an architect – and wanted some pictures incorporating architectural elements – one of my favorite things to do. It was a gorgeous and fun afternoon, filled with laughing and tears of joy.


The museum is located near the highway A1/E85, Vilnius – Kaunas, 25 km from Kaunas, 79 km from Vilnius.
Public transport (buses) are available from Kaunas and Vilnius (direction – Rumšiškės). Find your bus trip. The main entrance of the museum is 1.8 km away from the bus stop.
1, 82, 88, 118 minibuses from Kaunas station "Kalniečių poliklinika" to "Rumšiškių paviljonas" are available. Find your minibuses trip. The main entrance of the museum is 850 m away from the minibus stop "Rumšiškių paviljonas" .
All trains from Kaunas and Vilnius to railway station "Pravieniškės" are available. Find your train trip. A railway station "Pravieniškės" is located 6 km away from the main entrance of the museum.
Every Sunday (from May to September) at 11 a. m., ship goes from Kaunas Lagoon pier near Pažaislis to Open Air Museum of Lithuania. Contacts by telephone: + 370 686 00829. Find your ship trip.


Reasons for selling your motorhome may be to downsize, need of getting a new motorhome or you may be past the desire of traveling around. Time and hard work are required for you to locate the best buyer of your motorhome. It is advisable to find a buyer on your own because, with a recreational vehicle dealer or broker, you will make less cash. You are only required to clean your motorhome and make it look presentable then wait for the perfect time to sell it.
There are certain things you will be required to do that will enable you to get a buyer for your motor home. The company which you want to sell the motorhome to should have an online web page. The website will enable you to access the reviews and testimonials from customers who sold their motorhomes to the firm in the past. The reviews will help you determine the credibility and trustworthy level of the firm. Recommendations from family and friends about the best buyers for your motorhome will be of much help.
The experiences of your friends and families with the different motorhomes buying companies should come to light when you ask for recommendations. You will most likely find a reliable firm to buy your motorhome after reading the online testimonials and getting recommendations from friends and family. You will be able to identify the firm that pays clients on time for motorhomes sold to them. A buyer offering the most reasonable price for used motorhome should be considered. In order to attract a variety of buyers, you will need to market your motorhome actively, whether on the internet or in a magazine.
Information like the quality of the motorhome parts, mileage, last date of maintenance and any recent repairs should be included in the advertisement.Depending with the condition of your motorhome, you will the right buyer by considering the different prices quoted. People will be reluctant to buy your motorhome in a decent amount of time if its price is very high causing people to think the motorhome is dysfunctional. Choose a buyer whose process of acquiring your motorhome is not complicated. Motorhome valuation is essential and the buyer you are considering to sell the motorhome to should provide that service.
After valuation of the motorhome, the potential buyer should make a reasonable cash offer and make arrangements for them to come and collect the motorhome from your home. Look for a buyer that will offer a payment method that is secure so that you get your money on time. You will meet your goal of finding a buyer who will offer reasonable cash for your used motorhome by following the tips given in this article. You should not accept an offer which is not satisfying from any buyer.


We realize you may have a few questions, like what size dumpster do I need or how much is this going to cost. Just give us a call and one of our specialists in Washington, Pennsylvania will be happy to answer any questions you may have.
Having an understanding of how dumpster rentals operate, the different size varieties and the weight capacities can go a long way to help you get the best for your money. Whether you're operating a contracting company and need a long term dumpster option, or you're a do-it-yourself homeowner working on a new project, there's going to be a dumpster that is the best choice for your needs. There are always going to be a variety of dumpster rental companies in Washington, but if you have some background on sizes, weight capacities and possible hidden fees, then you'll be much better equipped to negotiate with rental businesses companies.
When renting a dumpster in Washington it's vital that you consider your budget and the charges involved in your waste disposal. Size, weight and types of materials will be the main determining factors in your project. Another factor that may effect your cost is any permit fees that may be applicable in Washington. Always check with your rental company and ask certain questions before moving forward.
Your most impactful choice in selecting a dumpster to rent will be which size to select. You don't want to get yourself in a position where you go over your weight capacity, so it's better to overestimate and have a bit of room left over, since you'll probably find more garbage to fill it up anyway. The most used sized dumpsters will be between 10 and 40 cubic yards, so there is a size that fits any job you could have. An ideal sized dumpster for a medium job, such as cleaning out a garage, would be a 20 cubic yard option. In order to ensure you're getting the proper it's a good idea to inform your rental company in Washington exactly what types of waste you'll be disposing of.
You might rent a dumpster that has a lot of space for your trash, but you should also be aware of possible weight restrictions. A dumpster may look large, but you'd be shocked how much weight and space your objects can take up. Because of this, it's important to keep an eye on the weight of the objects you're throwing away, since no one wants to incur extra charges due to exceeding weight restrictions. It's not just weight charges to be aware of, but also any additional environmental charges that you could have to pay depending on the regulations in Washington.
To decide what size and variety of dumpster you need, you'll want to first consider the types of waste you'll be putting in it. Some people only have a few large items like furniture or broken appliances and if that's the case, then you can also consider junk removal services that may be a better fit for you. If you're just removing debris or clutter, then a 10 cubic yard dumpster should be good enough. Finding out exactly what types of garbage is acceptable to be thrown in your dumpster in Washington is another important point to consider. Check with your dumpster vendor on prohibited items like batteries, food waste, grease or large appliances like refrigerators that are often not accepted.
In order to gauge your dumpster costs you can look at various factors such as size, weight and types of waste you're using. Your rental company will probably offer you a free estimate, which will be based mostly off these factors. Larger dumpsters are always more expensive than smaller ones, despite the weight you are putting in them. Larger dumpsters put more of a cost on the rental business in the form of fuel, manpower and dumping effort required in the disposal phase.
It's always best to choose a dumpster company within the local area of Washington. This is because locally owned companies can save you a bunch of time and hassle going through paperwork, since they will already work with local recycling and waste disposal locations. They'll also have a heads up as to where the ideal locations to dispose of waste materials are. Try to provide your rental company with as many details as possible, this will allow them to give you the best cost estimate.


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Collin Z Groebe
Senior Associate — Finance
E: cgroebe@velaw.com T: +1.214.220.7761
Trammell Crow Center
E: cgroebe@velaw.com
Collin's practice focuses on representing financial institutions, corporate lenders, and businesses in all types of financing arrangements, including asset-based lending, reserve-based lending, mezzanine and unitranche financings, second-lien financings, underwritten acquisition financings, debtor-in-possession facilities and subscription-backed lending.
Collin represents commercial banks, private equity and private debt firms, special situation investors, other alternative lenders, and public and private borrowers in domestic and international syndicated loan transactions, particularly in secured, leveraged credits covering various industries and markets. In addition to his active legal practice, Collin devotes time to supporting Children at Risk, a non-profit organization dedicated to improving the lives of children in Texas.
JPMorgan Chase Bank in a $2.2 billion secured asset-based revolving credit facility to a contract compression services provider
Wells Fargo Bank, N.A. in $2 billion revolving credit facility to Laredo Petroleum, Inc.
Bank of America in a $1.0 billion Australian, Belgian, Canadian, Dutch, Norwegian, U.S. cross-border, multi-currency credit facility to an integrated manufacturer and distributor of oil field tubular products
JPMorgan Chase Bank as Administrative agent and lead lender to Tuesday Morning Corporation in a $100 million debtor-in-possession revolving credit facility in connection with its chapter 11 bankruptcy
A special situations investor in a $93 million revolver and multi-draw term loan facility provided to a series of marine retail dealerships
Bellatrix Exploration Ltd., a Canadian entity, as lead U.S. counsel in the recapitalization transaction involving the exchange of debt into debt and equity
Bank of America in a $150 million secured revolving credit facility to an oilfield services company in connection with its $300 million secured notes offering
Bank of America in a $90 million secured revolving credit facility to an oilfield services company
JPMorgan Chase Bank in a $75 million Canadian revolving credit facility to an oilfield services company
Texas Capital Bank in a $30 million secured revolving credit facility to a contract compression and packaging company
Wells Fargo Bank in a $1.5 billion secured reserved-based revolving credit facility to a private operator in the Haynesville Shale
JPMorgan Chase Bank in a $1 billion secured reserved-based revolving credit facility to an oil and gas exploration and production company
Wells Fargo Bank, N.A. as left lead arranger and administrative agent in a $1 billion secured reserve-based revolving credit facility to a private operator in the Permian Basin
Wells Fargo Bank in a $1 billion secured revolving credit facility to a private operator in the Permian Basin
Wells Fargo Bank in a $500 million secured reserved-based revolving credit facility to an owner of royalty and mineral interests
Wells Fargo Bank, N.A. as administrative agent in a $300 million secured reserve-based revolving credit facility to a private operator in the Wattenberg Field
JPMorgan Chase Bank in a $200 million secured reserve-based revolving credit facility to a private operator in the Anadarko Basin
JPMorgan Chase Bank in a $200 million secured reserve-based revolving credit facility to an oil and gas producer
Wells Fargo Strategic Capital in a $50 million second lien secured term loan facility to an oil and gas producer
Wells Fargo Strategic Capital in a $50 million second lien secured term loan facility to an oil and gas exploration and production company
Wells Fargo Bank, N.A. as administrative agent in the workout of a $400 million secured reserve-based revolving credit facility to Emerald Oil, Inc. and its subsequent chapter 11 bankruptcy
Wells Fargo Bank, N.A., as administrative agent and lead arranger, in a $170 million revolving credit facility provided to a midstream oil and gas company and its subsidiaries
Wells Fargo Bank in a $250 million secured revolving credit facility to a midstream oil and gas company and its subsidiaries
Wells Fargo Bank, N.A., as administrative agent and lead arranger, in a $145 million revolving credit facility to a midstream crude oil and natural gas services business
Wells Fargo Bank in a $90 million secured revolving credit facility to a midstream oil and gas company and its subsidiaries
Hybrid & Multi-Creditor Financings
A special situations investor and its co-investors in a $247.5 million secured term loan credit facility provided to a grid-scale solar generation project development and construction business
A mezzanine fund in an $83 million secured second lien term loan facility to finance the acquisition of a software company
A private debt capital fund in a $26 million subordinated term loan to acquire a biotechnology development business
Borrower
An upstream oil & gas exploration and production company in connection with a $500 million secured reserve-based revolving credit facility
Nine Energy Services, Inc. in a $175 million secured term loan and revolving credit facility in connection with its initial public offering
An oil and gas exploration and development company in connection with $100 million reserve-based senior secured revolving credit facility
Bluescape Energy Recapitalization and Restructuring Fund III and its parallel funds in a $100 million subscription line facility
Washington University in Saint Louis, J.D. cum laude, 2015 (Notes Editor, Washington University Law Review)
University of Illinois, M.A. Political Science, 2012
University of Illinois, B.A. magna cum laude, 2010
Member: American Bar Association; State Bar of Texas; Dallas Bar Association; Dallas Association of Young Lawyers
Volunteer: Texas Scottish Rite Hospital for Children
Past Board Member: Fraternity and Sorority Political Action Committee
Complex Loan Workouts & Lender Representation
Distressed Debt
Energy – Oilfield Services
Energy – Renewables
Financing Renewables


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Perkins School of Theology-SMU to Continue Spanish-Language Th.M. Degree Program with Second Cohort in 2019
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Perkins to Continue Spanish-Language Th.M. Degree Program
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Dallas (SMU) – Perkins School of Theology-Southern Methodist University will offer a Spanish-language Master of Theology (Th.M.) degree to a second cohort of students beginning in the fall of 2019.
The advanced Master's degree is a non-residential program designed for experienced full-time pastors or Church/academic leaders. Once selected, the next group will follow the same path as the first cohort of seven students, who began in the fall of 2017 and will graduate in May.
"The students in this first cohort are all outstanding scholars who show promise for Ph.D. work," said Isabel Docampo, Director of the Center for the Study of Latino/a Christianity and Religions. "Given the positive responses we've had, it's clear the degree is filling a need in Latin America and in the U.S."
Perkins is the only institution in the U.S. offering this type of program, according to Hugo Magallanes, Director, Houston-Galveston Extension Program and Associate Professor of Christianity and Cultures.
"Our original goal was to prepare students to eventually become professors," he said. "In Latin America, many pastors are bi-vocational – serving churches and teaching– so they were not getting the opportunities to prepare academically in a particular field of study. But we think there's also an opportunity to reach students in the U.S. who prefer to read, study and write in Spanish." (Although the application process is in Spanish and all the instruction is in Spanish, students based in the U.S. may opt to write their papers and thesis in English.)
The two-year, 24-hour program is designed for those who want to enhance the practice of ministry through advanced study of a particular theological or pastoral discipline; undertake scholarly examination of a specific aspect of the Christian religion/traditions or function of Christian ministry; or prepare for more advanced study at the doctoral level. Intensive courses are held in Dallas and onsite in Latin America, in combination with online class contact and mentorship.
The first cohort included students from Argentina and Mexico, as well as students who live in the U.S. but grew up in Spanish-speaking countries or territories: Chile, Venezuela, Cuba, Colombia, and Puerto Rico. These students were fully funded through a grant from the Henry Luce Foundation. The second cohort will be partially funded, with 50 percent scholarships, by Perkins.
The degree program answers a clear need; the Hispanic population of the United States is increasing rapidly, while the Protestant Church is expanding exponentially in Latin America. And Magallanes says that Perkins is uniquely situated to offer this type of program.
"Although a number of other seminaries have degrees or certificates taught in Spanish, Perkins — with our location in Texas, which has a large Spanish-speaking population and also has one of the busiest airports in the United States (DFW) with many connections to Latin America — is ideally suited for this task," he said.
Three full-time Perkins faculty members are Hispanic, and three administrators are bilingual in English and Spanish. In addition, a significant collection of Spanish language biblical and theological materials is included in the world-class collection at Bridwell Library.
Interest in the program is already high.
"Even before the website went live, we were receiving emails from people who are interested in this next program," said Jon Herrin, Recruitment and Admissions Associate at Perkins. "I think the benefits of this program will resound around the world, far beyond the walls of the school."
Applications for the next cohort are now open; the deadline to apply is March 15. For more information, visit the web page here.
Perkins School of Theology, founded in 1911, is one of five official University-related schools of theology of The United Methodist Church. Degree programs include the Master of Divinity, Master of Sacred Music, Master of Theological Studies, Master of Arts in Ministry, Master of Theology, Doctor of Ministry, and Doctor of Pastoral Music as well as the Ph.D., in cooperation with The Graduate Program in Religious Studies at SMU's Dedman College of Humanities and Sciences.
Register by Dec. 9 for Certification Courses
Perkins Dean Craig C. Hill to Lead Feb. 22 Houston Lay School of Theology Program
History Documentary Cinco Olas sobre Dallas (Five Waves Over Dallas) Premieres Dec. 2
Prospective Students Invited to Attend Inside Perkins Event Dec. 5
Perkins School of Theology Marks 60th Anniversary of Advent Worship Tradition
2019 Distinguished Alumni Awards Banquet Video
Perkins to Host Hybrid Program, D.Min. Information Session Dec. 3
Prospective Students Invited to Explore Perkins, Hear Rick Steves Nov. 12
Explore Call to Ministry, Graduate Theological Education at Oct. 17 Inside Perkins Event
Chinese Theologian to Headline Oct. 22 Panel Discussion
Nominations Accepted through Dec. 1 for 2020 Woodrow B. Seals Laity Award
Perkins Professor to Examine 'Spirits, Spirits & Spirit' at Houston Theology on Tap
Perkins Forges Agreement with National Nonprofit Project Transformation
Perkins Names the Rev. Katherine Glaze Lyle as 2019 Distinguished Alumna
Perkins Baptist House of Studies to Host Amanda Tyler
Perkins 'Reboot' Youth Ministry Initiative Announces Starter Cohort
ArkLaTex Lectures to Feature Rev. Dr. Paul Scott Wilson
'Inside Perkins' Events this Fall
Feast of Beginnings
Novelist Chandrahas Choudhury to Headline Perkins Indian Literature and History Event
Dr. Gallardo as Intern Program Associate Director
Rick Steves to Headline Perkins 2019 Fall Convocation
Nominations for 2019 Distinguished Alumnus/a Award
Applications Due for Houston-Galveston, Dallas Master's Programs
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Remembering Rev. Dr. Schubert Ogden
Houston Lay School of Theology: August 2019
A Statement from Perkins School of Theology Dean Craig C. Hill
2019 Perkins Theological School for the Laity
2019 Seals Laity Award Recipient
The Art of Resilience
Houston Lay School of Theology, Feb. 16
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Our groundbreaking Intern Program allows students to transform classroom knowledge into actual practical experience before graduation.
We believe cross-cultural immersion experiences best teach students to build intercultural relationships, resolve cultural conflicts and guide intercultural ventures.
The combination of courses taught by renowned scholars with a diverse list of degree programs best prepares students for a wide variety of roles in ministry.
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Check out this stunning 38-metre Schooner Eldorado. Originally launched as a fishing vessel, she was totally rebuilt in Holland to an unbelievably high standard and relaunched in 2007. Having had millions invested in her during this labour of love, Eldorado is fully licensed under Register Holland, the most stringent of all safety & charter certifications.
Since 2011 this lovely schooner has been a popular sight in the Caribbean, where her red hull, prominent bow and lavish sails stand in fabulous contrast to the region's blue waters. She has been part of a very successful business in St Maarten, giving luxury tours to passengers from the leading cruise lines.
B) Make a private offer now before the yacht reaches the auction stage. This will allow you to negotiate moving Eldorado to a location of your choice as part of the deal.


took all of her courses online—and is now earning a dual Psy.D./M.B.A. at Widener University.
The U.S. Department of Labor forecasts over a half-million job openings in the next decade in the health and helping professions: counseling, psychotherapy, social work, clinical psychology and health education. This program is ideal if you need to complete undergraduate course prerequisites or if you want to become more competitive for graduate or professional school in counseling and psychology.
If you intend to register for the Post-Baccalaureate Program for Counseling and Psychology Professions, we recommend you complete the required courses in the order listed below, beginning with PSYCH 1021 Counseling and Psychotherapy as a Career Option. Abnormal Psychology X146, Introduction to Developmental Psychology X140, Research Methods in Psychology X106, and Psychology of Personality X176 may be substituted with another psychology course if you have taken an equivalent course from an accredited college or university. Course substitutions must be approved by the program director in advance.
If you have previously completed a program requirement with a C or better grade at an accredited university or college, you may submit one substitution request to complete a course of related interest instead. Course substitutions are subject to approval by the program office and must be requested before enrollment into the program. Note: Research Practicum: Applying Research Methods and Conducting Empirical Investigations in Psychology cannot be considered as a substitution for the required program course. It is intended as a supplementary offering for students interested in applying their education in a practical research course.
Students in the Post-Baccalaureate Program for Counseling and Psychology Professions have been admitted to a variety of schools to obtain their Master's in Psychology, Psy.D. in Clinical Psychology, Ph.D. in Psychology, Master's of Social Work or Master's in Public Health. View a full list of accepting schools.
A bachelor's degree is required for the Post-Baccalaureate Program for Counseling and Psychology Professions.
The curriculum comprises 6 required courses for a total of 12 semester units and 2.4 ceu (204 hours of instruction). Candidates must pay a nonrefundable program registration fee.
You must take all courses for a letter grade. To receive the Award of Completion, you must maintain an overall minimum 3.0 grade point average, with a grade of C or better in each course. All coursework must be completed within three to five years.
Mail an official, sealed transcript from an accredited undergraduate institution verifying that you earned a baccalaureate degree.
Each course is priced individually, and you pay the course fee at the time of enrollment. The program has an estimated cost of $3,600 (not including course materials or registration fee). Course fees are subject to change.
Speak with an advisor to learn more about this program and if it's the right fit for you and your professional goals. Schedule a phone appointment today!
Learn how the program can prepare you to become more competitive for admission to graduate or professional schools in counseling and psychology. Whether you are changing careers or already working in the field, understand how this program can help you plan an academic program of study and initiate the graduate school application process.


Join us for parties, panel discussion and "Breakfast with the Filmmakers" on LBI.
An "All Access" pass is your pass to a weekend of film, fun and sun.
Don't miss a film, party or event purchase your ALL ACCESS PASS today. All Access Passes can be picked up at the Welcome Center/Chamber of Commerce or during Festival at the venues.
The Lighthouse International Film Festival was founded by a collection of filmmakers, film critics and film industry professionals who share a passion for film and wanted to create an event aimed first and foremost at film enthusiasts. The 2018 10th Annual Lighthouse International Film Festival will present feature films, shorts, documentaries and family films, as well as panel discussions with leading film industry professionals. Taking place on Long Beach Island, NJ -- one of the East Coast's most popular surfing and shore destinations -- the festival celebrates four days of new, exciting and challenging films in honor of Long Beach Island's historic Barnegat Lighthouse.
More information about the film festival, including the lineup of films and the schedule will be available at www.lighthousefilmfestival.org "LIKE" us on Facebook, Follow us on Instagram and Twitter. Become a Lighthouse International Film Society member enjoy year-round screenings, special events and discounts.


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La sierra de Rates es una pequeña cadena montañosa que divide al concelho de Póvoa de Varzim, en Portugal.

El principal monte de la sierra es el monte de São Félix (202 metros). El segundo mayor monte es el monte da Cividade (153 metros).

La sierra está poblada desde tiempos ancestrales. Se conocen dos castros en la cumbre de sus principales montes y otros dos más al este.

Cabe destacar la Cividade de Terroso, uno de los mayores castros conocidos, reconocido por ser uno de los que fue habitado por más tiempo. Durante el dominio romano de la región, se construyó una carretera romana que atravesaba toda la sierra.

La sierra divide al concelho de la Póvoa de Varzim en dos áreas diferentes: la llanura litoral da lugar a la montaña, los bosques son más abundantes en el interior, donde los suelos tienen menor influencia marina, lo que condiciona la agricultura en ambas partes del concelho, diferenciándolas.

La sierra está envuelta en leyendas que son el origen de las devociones a San Pedro de Rates y a San Félix.

En la Sierra del Monte y Monte de Guardais, se sitúa el núcleo de la Villa de São Pedro de Rates, que contrasta con la vegetación que la circunda, en especial por la noche, cuando se encienden las luces de las casas y de las calles de esta pequeña villa. Lugar que posee una iglesia milenaria, la Iglesia de San Pedro de Rates.

La Sierra de Rates es un espacio agrícola bastante productivo, destacando la producción de leche y de carne, que es de las mayores del país. También cabe destacar la industria maderera.

Rates
Póvoa de Varzim