text:
USE [master]
GO

CREATE DATABASE PesonsAccount
GO

USE PesonsAccount

CREATE TABLE Persons
(
	PersonID int IDENTITY,
	FirstName varchar(30) NOT NULL,
	LastName varchar(30) NOT NULL,
	SSN varchar(10) NOT NULL,
	CONSTRAINT PK_Persons PRIMARY KEY(PersonID)
)
GO

CREATE TABLE Accounts(
	AccountID int IDENTITY NOT NULL PRIMARY KEY,
	PersonId int NOT NULL,
	Balance money NOT NULL
	CONSTRAINT FK_Accounts_Persons FOREIGN KEY(AccountID)
	REFERENCES Persons(PersonID)
)
GO

INSERT INTO Persons(FirstName, LastName, SSN)
VALUES
	('Pesho', 'Peshev', 6912063456),
	('Asen', 'Ivanov', 7003022313),
	('Gosho', 'Goshev', 7301016789),
	('Mimi', 'Pesheva', 8904056789)

INSERT INTO Accounts(PersonId, Balance)
VALUES
	(1, 2500.45),
	(2, 1456.25),
	(3, 1234.78),
	(4, 678.40)

CREATE PROC dbo.usp_FullNames
AS
  SELECT FirstName + ' ' + LastName AS [Full Name]
  FROM Persons
GO

EXEC usp_FullNames

-- 2.Create a stored procedure that accepts a number as a parameter and returns all persons who have more money in their accounts than the supplied number.

CREATE PROC dbo.usp_DalanceAccountAboveThreshold
	(@balanceThreshold money = 700)
AS
  SELECT p.FirstName, p.LastName, a.Balance
  FROM Persons p
	INNER JOIN Accounts a
		ON p.PersonID = a.AccountID
  WHERE a.Balance > @balanceThreshold
GO

EXEC usp_DalanceAccountAboveThreshold

-- 3.Create a function that accepts as parameters – sum, yearly interest rate and number of months.
--It should calculate and return the new sum.
--Write a SELECT to test whether the function works as expected.

CREATE FUNCTION ufn_CalculateInterest(@balance money, @yearInterest float, @months int)
	RETURNS money
AS
BEGIN
	RETURN @balance + @balance * (@yearInterest / 12) * @months
END

SELECT p.FirstName, p.LastName, a.Balance, dbo.ufn_CalculateInterest(Balance, 10, 12) AS [Current Balance]
FROM Accounts a
	INNER JOIN Persons p
		ON p.PersonID = a.AccountID

-- 4.Create a stored procedure that uses the function from the previous example to give an interest to a person's account for one month.
-- It should take the AccountId and the interest rate as parameters.

CREATE PROCEDURE [dbo].[usp_InterestPerMonthPerPerson](
@accountId int, @interestRate float)
AS
DECLARE @balance money =
(SELECT Balance FROM Accounts WHERE AccountID = @accountId)

SELECT Balance, dbo.ufn_CalculateInterest(Balance, @interestRate, 1)- @balance AS [Current Interest]
FROM Accounts
WHERE AccountID = @accountId
GO

EXEC usp_InterestPerMonthPerPerson 3, 12

--5.	Add two more stored procedures `WithdrawMoney(AccountId, money)` and `DepositMoney(AccountId, money)` that operate in transactions.

CREATE PROCEDURE [dbo].[usp_WithdrawMoney](@accountId int, @money money)
AS
BEGIN
	UPDATE Accounts
	SET Balance -=@money
	WHERE AccountID = @accountId
	END
GO

EXEC usp_WithdrawMoney 3, 100

CREATE PROCEDURE [dbo].[usp_DepositMoney](@accountId int, @money money)
AS
BEGIN
	UPDATE Accounts
	SET Balance +=@money
	WHERE AccountID = @accountId
	END
GO

EXEC usp_DepositMoney 3, 500

--6.	Create another table – `Logs(LogID, AccountID, OldSum, NewSum)`.
--	*	Add a trigger to the `Accounts` table that enters a new entry into the `Logs` table every time the sum on an account changes.

CREATE TABLE Logs(
	LogID int IDENTITY PRIMARY KEY,
	AccountID int NOT NULL,
	OldSum money,
	NewSum money,
	CONSTRAINT FK_Logs_Accounts FOREIGN KEY(AccountID)
	REFERENCES Accounts(AccountID)
)
GO

CREATE TRIGGER tr_AccountUpdate ON Accounts FOR UPDATE
AS
INSERT INTO Logs(AccountID, OldSum, NewSum)
SELECT i.Id, d.Balance, i.Balance
FROM inserted i, deleted d
GO

EXEC usp_WithdrawMoney 3, 100

EXEC usp_DepositMoney 4, 500

--7.	Define a function in the database `TelerikAcademy` that returns all Employee's names (first or middle or last name) and all town's names that are comprised of given set of letters.
--	*	_Example_: '`oistmiahf`' will return '`Sofia`', '`Smith`', … but not '`Rob`' and '`Guy`'.

use TelerikAcademy
GO

CREATE FUNCTION ufn_CheckName(
@nameToCheck NVARCHAR(50),
@letters NVARCHAR(50))
RETURNS INT
AS
BEGIN
        DECLARE @i INT = 1
		DECLARE @currentChar NVARCHAR(1)
        WHILE (@i <= LEN(@nameToCheck))
			BEGIN
				SET @currentChar = SUBSTRING(@nameToCheck,@i, 1)
					IF (CHARINDEX(LOWER(@currentChar),LOWER(@letters)) <= 0)
						BEGIN
							RETURN 0
						END
				SET @i = @i + 1
			END
        RETURN 1
END
GO

CREATE FUNCTION dbo.ufn_AllEmploeeysAndTownByStringCondition(@format nvarchar(50))
RETURNS @table TABLE
	([Name] nvarchar(50) NOT NULL)
AS
BEGIN
	INSERT @table
	SELECT newTbl.LastName FROM
		(SELECT LastName FROM Employees
		UNION
		SELECT Name FROM Towns) as newTbl
		WHERE dbo.ufn_CheckName(newTbl.LastName, @format) > 0
	 RETURN
END
GO

SELECT * FROM ufn_AllEmploeeysAndTownByStringCondition('oiseltmiahf')

--8.	Using database cursor write a T-SQL script that scans all employees and their addresses and prints all pairs of employees that live in the same town.

DECLARE empCursor CURSOR READ_ONLY FOR
  SELECT e.FirstName, e.LastName, t.Name FROM Employees e
  JOIN Addresses a
  ON e.AddressID = a.AddressID
  JOIN Towns t
  ON a.TownID = t.TownID

OPEN empCursor
DECLARE @firstName nvarchar(50), @lastName nvarchar(50), @town nvarchar(50)
FETCH NEXT FROM empCursor INTO @firstName, @lastName, @town

WHILE @@FETCH_STATUS = 0
  BEGIN
  			  DECLARE empCursor1 CURSOR READ_ONLY FOR
			  SELECT e.FirstName, e.LastName, t.Name FROM Employees e
			  JOIN Addresses a
			  ON e.AddressID = a.AddressID
			  JOIN Towns t
			  ON a.TownID = t.TownID

			OPEN empCursor1
			DECLARE @firstName1 nvarchar(50), @lastName1 nvarchar(50), @town1 nvarchar(50)
			FETCH NEXT FROM empCursor1 INTO @firstName1, @lastName1, @town1

			WHILE @@FETCH_STATUS = 0
			  BEGIN
			  IF(@town=@town1 AND @firstName != @firstName1 AND @lastName != @lastName1)
				  BEGIN
					PRINT @town+':'+ @firstName + ' ' + @lastName + ':' + @firstName1 + ' ' + @lastName1
				  END
				FETCH NEXT FROM empCursor1 INTO @firstName1, @lastName1, @town1
			  END

			CLOSE empCursor1
			DEALLOCATE empCursor1

    FETCH NEXT FROM empCursor  INTO @firstName, @lastName, @town
  END

CLOSE empCursor
DEALLOCATE empCursor

--9.	*Write a T-SQL script that shows for each town a list of all employees that live in it.
--	*	_Sample output_:
--```sql
--Sofia -> Martin Kulov, George Denchev
--Ottawa -> Jose Saraiva
--…
--```

DECLARE empCursor CURSOR READ_ONLY FOR
  SELECT DISTINCT t.Name, t.Name AS [fullNames] FROM Towns t

OPEN empCursor
DECLARE @town nvarchar(50), @fullNames nvarchar(2000)
FETCH NEXT FROM empCursor INTO @town, @fullNames

WHILE @@FETCH_STATUS = 0
  BEGIN
  			  DECLARE empCursor1 CURSOR READ_ONLY FOR
			  SELECT e.FirstName, e.LastName, t.Name FROM Employees e
			  JOIN Addresses a
			  ON e.AddressID = a.AddressID
			  JOIN Towns t
			  ON a.TownID = t.TownID

			OPEN empCursor1
			DECLARE @firstName1 nvarchar(50), @lastName1 nvarchar(50), @town1 nvarchar(50)
			FETCH NEXT FROM empCursor1 INTO @firstName1, @lastName1, @town1

			WHILE @@FETCH_STATUS = 0
			  BEGIN
			  IF(@town=@town1)
				  BEGIN
					SET @fullNames+= @firstName1 + ' ' + @lastName1 + ', '
				  END
				FETCH NEXT FROM empCursor1 INTO @firstName1, @lastName1, @town1
			  END

			CLOSE empCursor1
			DEALLOCATE empCursor1
		PRINT @town + ' -> '+ @fullNames
    FETCH NEXT FROM empCursor INTO @town, @fullNames
  END

CLOSE empCursor
DEALLOCATE empCursor


text:
Skip to content Skip to ATB and University of Alberta form new tech partnership menu Search Sign in to online banking Chat with our Virtual Assistant
About ATB
ATB and University of Alberta form new tech partnership
By ATB Financial 10 April 2018 less than a minute
ATB and the University of Alberta are embarking on some exciting work in the field of artificial intelligence (AI).
Students, professors and ATB experts will push the boundaries of AI and machine learning, thanks to a four year partnership. ATB is making an initial contribution of $940,000.
The team will initially focus on applying data science and machine learning to entrepreneurial growth, real-time fraud detection, and new customer experiences. As they apply insights to these areas, they'll go further in exploring how ATB can leverage technology to support the financial well-being of Albertans.
"Every business and individual stands to benefit from the application of AI," said Wellington Holbrook, ATB's Chief Transformation Officer.
"The opportunity to collaborate with UAlberta as a key pillar in ATB's broader AI strategy is significant. We're able to reinforce the fabric of Alberta's tech ecosystem with a focus on developing and benefitting the key resource at the heart of it all—people."
Our Client Care team will be happy to assist.

redpajama_set_name: RedPajamaCommonCrawl


Elasticised carrot fit solid-coloured pants with pleats at front. Features rolled cuffs and partial elasticised waistband.
Print Elasticised carrot fit solid-coloured pants with pleats at front. Features rolled cuffs and partial elasticised waistband.
Elasticised Carrot Fit Solid Pants Elasticised Carrot Fit So..


Sometime about 5th or 6th grade, I realized that I wanted something more for myself. I wasn't sure what that meant or what it was, but I wanted it. By the time I was in 7th-8th grade, I knew I wanted to go to college and my stepdad had told me that he wasn't paying for it. About this same time, the Army "Be all you can be" commercials were being aired and that resonated with my wanting more. "Be all you can be" was not just a slogan, it inspired me—and still does.
Throughout this same time, there were lots of folks who seemed intent on demonstrating how inadequate I was—classmates with whom I did not fit in and a stepdad who consistently criticized and never praised. Fortunately, school and sports came easily. I was driven to excel, to demonstrate my value, my worth using those activities. I strove to keep pace with anyone who did anything extraordinarily well—I taught Sunday School, held down a job at the library, earned straight A's, and participated in sports whenever I could. As a result of my efforts and the support of my mom, teachers, supervisors and Congressional representatives, I gained an appointment to the United States Military Academy. Serving in the Army and going to college had become my something more.
I didn't really know what I was getting into when I arrived at the Academy, but I graduated with a passion for three things—Army, leadership, and operations research (OR). I was in the Army, was learning leadership and would hold OR close for the future. I had been commissioned as a Field Artillery Officer and went to my basic officer course--approximately 200 guys and me. As a platoon leader, I learned that leadership was about taking care of Soldiers, ensuring their personal well-being, professional well-being, training, guidance, education. Truly caring and taking the time to ensure that my Soldiers were trained and resourced as best as I possibly could melded the platoon. Three outstanding sergeants developed that platoon into an extraordinary team that was the only small unit to be commended in our battalion in our Department of the Army Inspector General Nuclear Surety Inspection and External Evaluation. I was hooked. I loved working with great people, taking care of Soldiers and accomplishing tasks together.
While working on staff after finishing a company-level command, I applied for and was accepting into a graduate school program that would allow me to become an Army operations research analyst (ORSA) in Functional Area 49. After I finished school, I worked the enlisted manpower program at the Pentagon. As I worked to advise leadership on how many Soldiers we needed to recruit, train, and promote, I realized that this too was taking care of the Soldiers, albeit by a much different means. Now instead of being in charge of a platoon or a detachment, I was in charge of the numerical health of the entire Army. Now, all Soldiers were my Soldiers and if I made mistakes, they would bear the brunt—it was no different than being a lieutenant; it just had much greater consequences. Once again, I was inspired to be all that I could be. The Army, it seems was my calling.
My entire career has progressed along these lines. I am continually inspired by Soldiers who do extraordinary things, who do more than expected without being asked, who strive and achieve because they can, who achieve more together than each could singularly. Our Soldiers who live by our values, who strive and sacrifice and who are ultimately part of something much bigger than themselves. I recognize that not everything is perfect in our Army, but overwhelmingly there continues to be positive progress. I have been blessed in my career and am immensely grateful to the many leaders, mentors, peers, and Soldiers who have made it so.


I'm still playing catch-up on all the things I've wanted to blog about over the last few months. This post dates back to a very special event held on December 4th.
Every two years the ladies of St. John's host an Advent by Candlelight meal. This year's was an amazing sucess and joy to be a part of. The theme was "Be Still My Soul". I hosted one of the 12 tables so I had a good time getting creative with my decorations. My table favor was a decorated "snow" filled clear glass ball with a monogramed paper tag (patterned after this one shared at According to Kelly). Luke helped me make them and also folded my poinsettia napkins!
Here's a look at all of the gorgeouse tables (click to view larger).
The speaker for the evening was my dear friend, Faith Wels, and she gave us great Biblically-focused reminders of the importance of "being still". She is such an amazing woman, she even wears a cape at times!! Check out the highlight reel.
(with lots of helpers) teamed up to prepare the deliciousness which included salad with red pears and pomegranate, herb-rubbed pork tenderloin, potatos, squash, beans, homemade rolls and rye bread and a Merry Christmas cupcake!!
Wowza!! Let me just say, it will be hard to top this year's Advent by Candlelight!! Enjoy the complete event highlight video below, surf over to the St. John's site to see the huge photo gallery, and mark your calendar for the next Advent by Candlelight at St. John's in December 2013!
Happy Fall, Happy Winter, Happy Advent, Merry Christmas and Happy New Year to you all! I've missed you! Glad to see you're back again. The tables (and yours especially!) look AWESOME! I didn't know "Martha Stewart" was a member at St. John's! 🙂 I've also got to get to that Choralfest someday! I've been missing out, I can see that!


text:
Q: Python: Any optimized way to check that 2 lists increase together? Let's assume we have 2 lists a = [1,2,4,3,5] and b = [103,122,800,500,1000]
is there an optimized way that I can check that they are "increasing together"?
My current solution, employs a loop:
for i in range(1,len(a)):
   if (a[i-1] < a[i] and b[i-1] > b[i]) or (a[i-1] > a[i] and b[i-1] < b[i]):
       print('wrong')

Is there a better way?
Notes:

*

*The solution does not need to be list specific (really any data structure would work)

*The two iterables do not need to increase by the same number of units, just have to increase together.

A: In terms of O(order notation), you can't get better than linear, assuming lists don't have some order. But, you can use some python compiler like cython, numba to speed up your code. Your code using numba:
import numpy as np
import numba as nb

@nb.njit()
def vary_together(a, b):
    for i in range(1,len(a)):
       if (a[i-1] < a[i] and b[i-1] > b[i]) or (a[i-1] > a[i] and b[i-1] < b[i]):
           return False
    return True

You have to use large lists to see the performance benefit. For example, if:
a = np.array([randint(0,100) for i in range(10000000)])

Then,
vary_together(a, a)  # a as both arguments so as to make it complete the loop

Has has the performance comparison to your solution as :

Your solution: 8.09s
  vary_together: 0.2 (on second run to discount for compile time).

If you need to run the code again and again in the script, do cache=True in the nb.njit decorator.

A: You can't really get any faster than O(n), but you could make your code a bit shorter and maybe more readable by using numpy.diff and comparing the sign of the diffs of a and b:
>>> from numpy import diff, sign
>>> a, b = [1,2,4,3,5], [103,122,800,500,1000]
>>> sign(diff(a))
array([ 1,  1, -1,  1])
>>> all(sign(diff(a)) == sign(diff(b)))
True
>>> a, b = [1,2,4,3,5], [103,122,800,500,100]
>>> all(sign(diff(a)) == sign(diff(b)))
False

The downside of this solution is that it does not use lazy-evaluation, i.e. it calculates and compares the entire sign(diff(...)) array even if the "increasingness" of a and b differs in the very first position. If the list is very long, you should consider using another approach.

A: We can use the lazy evaluation provided by python iterators, meaning we don't need to continue traversing both lists ( structures ) once they don't have the same variation sign
def compare_variation( a, b ):
    a_variations = ( a[ i - 1 ] < a[ i ] for i in range( 1, len( a ) ) )
    b_variations = ( b[ i - 1 ] < b[ i ] for i in range( 1, len( b ) ) )
    return all( x == y for x, y in zip( a_variations, b_variations  ) )

A: Here is a way with list comprehension:
c = [(a[x + 1] - a[x]) * (b[x + 1] - b[x]) for x in range(len(a) - 1)]
if any([x < 0 for x in c]):
    print('Wrong')

Comparing all the previous approaches (except for the numba one), tobias_k's answer looks like most efficient when dealing with large enough lists (at list 40 elements roughly).

redpajama_set_name: RedPajamaStackExchange


Got into San Juan at 4:00p. Got sent to the El San Juan hotel instead of the Old San Juan hotel, figured out where I was and got that taken care of. Got to the right hotel and decided to take a walk around the local area. Nice area, our dock for the cruise is about a block away. San Juan is an interesting town. The roads are just lined with cars back-to-back, going about 5 mph. The sides of San Juan are really interesting because of the war remnants of the walls and such.
Came back to the hotel and found out that blackjack is a lot like the stock market, you can go down really fast and it takes a long time to get caught back up. Started at $100, got to $170, left with $35. How did that happen?
Taking it easy tonight after transferring today's photos over. Watching some television getting ready for tomorrow.


Omate, the company behind the K3 smartwatch for kids, is now turning its attention to the other end of the age spectrum with the Wherecom S3 smartwatch.
Much like the K3, the S3 is an Android powered, 3G packing smartwatch that works untethered from your smartphone. It also doubles as a GPS tracker.
The concept is very similar to the kids smartwatch where Omate is partnering with Monitorlinq to offer advanced location and alert services so you can keep a closer eye on the senior and more vulnerable members of your family.
Features on the skinned version of Android are kept to a minimum with a dialler, message hub and alarm reminder to alert users about taking medication included. There's also a built-in pedometer and a one-click SOS button, which will notify contacts over Wi-Fi or 3G about the GPS location of the user.
Triangulating a location takes advantage of the onboard GPS, 3G and Wi-Fi hotspots to ensure it delivers the most accurate positioning.
Elsewhere, the S3 has a 1.54-inch 320 x 320 colour display and is powered by a dual-core 1Ghz MediaTek CPU with an Mali-400 MP GPU. That's accompanied by 512 MB of RAM and 4 GB of storage. Battery life is slated as up to two days on a single charge.
The Omate S3 is set to be priced at €149 and will be available unlocked in France and Spain from September. The Monitorlinq services will start rolling out before the end of the year.


text:
/*jslint node: true */
"use strict";
var Emitter        = require('events').EventEmitter,
    os             = require('os'),
    util           = require('util'),
    SSDP           = require('node-ssdp'),
    netmask        = require('netmask'),
    Device         = require('./samsung-airconditioner');

var DEFAULT_LOGGER = {
  error   : function(msg, props) { console.log(msg); if (!!props) console.trace(props.exception); },
  warning : function(msg, props) { console.log(msg); if (!!props) console.log(props);             },
  notice  : function(msg, props) { console.log(msg); if (!!props) console.log(props);             },
  info    : function(msg, props) { console.log(msg); if (!!props) console.log(props);             },
  debug   : function(msg, props) { console.log(msg); if (!!props) console.log(props);             }
};

var SamsungDiscovery = function(options) {
  var ifa, ifaces, ifaddrs, ifname, k;

  var self = this;

  if (!(self instanceof SamsungDiscovery)) return new SamsungDiscovery(options);

  self.options = options || {};

  self.logger = self.options.logger || {};
  for (k in DEFAULT_LOGGER) {
    if ((DEFAULT_LOGGER.hasOwnProperty(k)) && (typeof self.logger[k] === 'undefined'))  self.logger[k] = DEFAULT_LOGGER[k];
  }

  self.devices = {};

  ifaces = os.networkInterfaces();
  for (ifname in ifaces) {
    if ((!ifaces.hasOwnProperty(ifname)) ||
        (ifname.indexOf('vmnet') === 0)  ||
        (ifname.indexOf('vboxnet') === 0)  ||
        (ifname.indexOf('vnic') === 0)   ||
        (ifname.indexOf('tun') !== -1)) {
      continue;
    }

    ifaddrs = ifaces[ifname];
    if (ifaddrs.length === 0) continue;

    for (ifa = 0; ifa < ifaddrs.length; ifa++) {
      if ((ifaddrs[ifa].internal) || (ifaddrs[ifa].family !== 'IPv4')) continue;

      self.logger.debug('listening', {
        network_interface: ifname,
        ipaddr: ifaddrs[ifa].address,
        portno: 1900
      });
      self.listen(ifname, ifaddrs[ifa].address, 1900);
    }
  }
};
util.inherits(SamsungDiscovery, Emitter);

SamsungDiscovery.prototype.listen = function(ifname, ipaddr, portno) {
  var self = this;

  var notify = function() {
    ssdp.notify(ifname, ipaddr, portno, 'AIR CONDITIONER',
                { SPEC_VER: 'MSpec-1.00', SERVICE_NAME: 'ControlServer-MLib', MESSAGE_TYPE: 'CONTROLLER_START' });
  };

  var ssdp = new SSDP({
    addMembership     : false,
    responsesOnly     : true,
    multicastLoopback : false,
    noAdvertisements  : true
  }).on('response', function(msg, rinfo) {
    var i, info, j, lines, mac;

    lines = msg.toString().split("\r\n");
    info = {};
    for (i = 1; i < lines.length; i++) {
      j = lines[i].indexOf(':');
      if (j <= 0) break;
      info[lines[i].substring(0, j)] = lines[i].substring(j + 1).trim();
    }

    mac = info.MAC_ADDR;
    self.devices[mac] = new Device({
      logger : self.logger,
      ip     : rinfo.address,
      duid   : mac,
      info   : info
    });

    self.emit('discover', self.devices[mac]);
  });
  ssdp.logger = self.logger;

  ssdp.server('0.0.0.0');
  ssdp.sock.on('listening', function() {
    setInterval(notify, 30 * 1000);
    notify();
  });
};

SSDP.prototype.notify = function(ifname, ipaddr, portno, signature, vars) {/* jshint unused: false */
  var out;

  var self = this;

  if (!self.listening) return;

  Object.keys(self.usns).forEach(function (usn) {
    var bcast, mask, quad0;

    var udn   = self.usns[usn],
        heads ={
          HOST            : '239.255.255.250:1900',
          'CACHE-CONTROL' : 'max-age=20',
          SERVER          : signature
        };

    out = self.getSSDPHeader('NOTIFY', heads);
    Object.keys(vars).forEach(function (n) { out += n + ': ' + vars[n] + '\r\n'; });

    quad0 = parseInt(ipaddr.split('.')[0], 10);
    mask = ((quad0 & 0x80) === 0) ? 8 : ((quad0 & 0xc0) === 0xf0) ? 16 : 24;

// TBD: use the (obsolete) class A/B/C netmasks
    bcast = new netmask.Netmask(ipaddr + '/' + mask).broadcast;
    self.logger.debug('multicasting', {
      network_interface: ifname,
      ipaddr: bcast,
      portno: 1900
    });

    out = new Buffer(out);
    self.sock.setBroadcast(true);
    self.sock.send(out, 0, out.length, 1900, bcast);
  });
};

module.exports = SamsungDiscovery;

redpajama_set_name: RedPajamaGithub


Richmond Injury Lawyer - We have skilled and knowledgeable Class Action lawyers which are experienced within both defending and advancing class actions. Because of the rather plaintiff-friendly nature of class action legislation, there have been numerous class action suits which have received nationwide awareness. We have a well-developed network of relationships with class action counsel within various provinces, enabling us to mount a coordinated method in cases where parallel proceedings have been commenced in other jurisdictions.
Class actions normally create a higher level of public scrutiny and greater financial exposure than normal legal proceedings. Our experienced litigation counsel has been involved in various class proceedings, including securities; taxation, product liability claims and insurance. Our clients benefit from our depth of expertise and extensive resources.


text:
1061 » The Slow Flip Strategy with Scott Jelinek
October 11, 2021 By Joe McCall Leave a Comment
The slow flip strategy sounds new for many, but not for my guest today. Scott has been doing this strategy for many years and this strategy that Scott created will break the great rental myth of "passive cash flow" in my opinion.
The slow flip strategy is all about buying rental properties like a car and selling them like a house. We're talking about real passive cash flow from clear and free properties. You pay them for 5 years and you get passive income for the next 25 years at least where you get mailbox money because you're serving as the 'bank' and not as the landlord. I absolutely love this strategy.
Scott has about 120 deals under this strategy, with over 50 properties already clear and free. The good thing about this? Scott has been doing this without the landlord headaches, without the BRRR strategy, and without using banks.
When Scott came up with this strategy, he was looking at $30,000 mortgaged houses that are payable for 30 years and his car cost the same amount which he paid off in 5 years. So, it got him thinking, "Why would I pay on a house for 30 years when I can do it in 5 years?". This started his strategy of buying a property, paying it off in 5 years, and by the 61st month of owning the property, it's all income from then on.
It's not a get-rich-quick strategy but it assures passive income and cash flow. Today, Scott makes a steady income whether some of his properties are vacant or occupied – and doing it with a team of one, himself. All he does now is pick up checks, keep track of them, and do the cycle of being the 'bank' all over again.
If you want to learn how to make the slow flip strategy work for you and your business, join our new 5-day challenge that will start next week (October 18-22) and it's absolutely FREE. You read that right…it's absolutely FREE. Scott will be teaching live in a private Facebook group and will share all the things you need to learn to make the slow flip strategy work for you.
So, if you're ready for passive income, for steady cash flow, and to be financially free, go to SlowFlip.com and sign up for this 5-day challenge.
Watch and Learn:
Listen and learn:
What is the Slow Flip strategy?
How you can buy a rental property like a car and sell it like a house.
How Scott came up with the Slow Flip strategy.
New 5-day Slow Flip challenge.
SlowFlip.com
Download episode transcript in PDF format here…
Joe: Welcome. This is the real estate investing mastery podcast. What's going on, everybody, I'm Joe McCall, this is the real estate Investing Mastery podcast, and I'm with a good friend, Scott Jelinek. Scott, how are you?
Scott:I am fantastic. How are you doing today, Joe?
Joe: Awesome. I'm excited about this podcast. Hopefully, my voice can finish this. I'm excited about this podcast because we're going to be talking about a brand new strategy. What's not brand new? Scott's been doing it for years and years, but it's new to me, and I think it's going to be new to a lot of you. And this is a strategy that I think Scott is going to break and blow to smithereens the great rental myth of quote unquote passive cash flow, right? Passive income. And this is a strategy Scott created called the slow flip strategy. And it's all about how to buy rental properties like a car and sell them like a house. So we're talking about getting real passive cash flow from free and clear properties. Within five years. So you pay it off in five years and then you own a free and clear passive income for the next twenty five years, at least where you're getting mailbox money because you're the bank, you're not the landlord. I love the strategy, Scott. You're out of Virginia. You've got one hundred and twenty something of these deals. You have about 50, something of them completely free and clear, and you get this mailbox money, true mailbox money, the things that everybody talks about. But you've done this without the typical landlord headaches, without the BRRR strategy, without using banks. It's amazing. I love the strategy. And so we're doing a special challenge coming up here next week. As we're recording this, it's going to be awesome. It's called the slow flip challenge. So Scott, how are you doing?
Scott:Fantastic.
Joe: Awesome. Talk about yourself a little bit here and you are an investor. You've been in the business a long time. And where were you at right now?
Scott:So I'm in Virginia Beach and I'm not going to give you a long story because I know we only have 30 minutes and I don't want to keep it too long, but I will tell you how I got into this. I did the conventional model that most everybody is still doing today, and that conventional model is like everybody's teaching this. But our strategy is to put a little bit down and then you're calculating your return based on your down payment. Make two or three hundred dollars a month spread and carry a mortgage. And most guys are even teaching the more leverage you have, the better the most. More debt you have, the better. And I believed in this strategy wholeheartedly. Like, if you talk to me in 2005, I would have sold you on. You need to be in debt, you need to be in debt. I believed in it wholeheartedly until about mid t2007 to mid-2008. I got annihilated as a lot of people did, and I'm lucky. I'm very lucky to still be around for one because I know a lot of people went back to their corporate jobs. But on top of that, it's something you may not think of as luck. But I'm lucky that I didn't have any fallback skills. If I had a fallback skill that I could have, I could have went back to my job at IBM or went back somewhere. I had some kind of job I probably would have. But I didn't have any fallback, and so I kept having to figure out how can I still be in real estate? That's the only thing I know that can provide me the lifestyle I needed. How can I do it? And at the same time, you know, the prices were crashing down. So it was the best opportunity of our lives. Only I was dead to the banks. I was dead. I lost a ton of houses in foreclosure. I couldn't possibly get a mortgage, didn't have the cash anymore. I lost almost a million dollars fighting the good fight before I lost everything. And so I was trying to figure out now we have the best opportunity of our lives. And yet I don't have the bank ability to buy them.
Scott:So I started looking into private money. And the interesting thing is, when you're looking into a mortgage, what does everybody sell you on, Joe? 30 years, right? Everybody's telling you 30 years, 30 years, 30 years. But now I'm looking at houses that were $30000 and they're still trying to tell me 30 years and I'm thinking in my head. The car I just bought was thirty thousand and it's five years. Why am I paying for 30 years on a house? And that's really what started in my brain, just wrinkling it where I was like, Wait a second, there's got to be a better way. Why don't I buy it just like a car? Like you just said, we buy it like a car, sell it like a house. So we buy them with the same strategy as when you buy a car, you get a short term mortgage and then we pay them off on five years. However, the flip side is we're selling them the conventional way, the same way most of you guys are buying right now on 30 year mortgages. So for the first five years, we're not crushing it. But then that's 61st payment is all income. Does that make sense?
Joe: Oh I love it because it's not a get rich, quick thing, but
Scott:It's all about cash flow. Yeah, it's not get rich quick at all, but it is get rich, but it's really I don't even try and focus people on getting rich. I try and have them focus on just setting yourself free. Most people don't let me ramble all day, Joe, but mostly good. Please read such a small amount to actually be free 90 percent of the time when I do this in my live event, when I ask people to come up with their number 90 percent of the time, the number is right around $10000 a month. That's not rich by any means, but most people can be completely free, meaning they don't have to worry. They don't have to get up. They don't do anything for $10000 a month. We have people that sometimes they say as little as three or four thousand. But what I tell me with that, especially with that $10000 number, is I can get anybody there in five to seven years, five to seven years. That might sound like a lot when you're, you know, you're doing lease options or wholesaling or whatever it is you're doing. You like, Oh, I can make ten thousand dollars a month right now, you can. But that's work you have to do every single month to keep doing it. This is setting yourself up to the point where you don't have to do the work anymore.
Joe: This is why I'm so excited about it, because the wholesaling lease options is more training. Actual in nature, right?
Scott:And I still wholesale, I still wholesale, and I love it when I do it, but I don't need to ever do deals because of the amount of properties we have in the amount that are free and clear.
Joe: So you personally, I want to talk more about. Don't let me forget, but I want to. If somebody has a number, that's ten thousand dollars, let's give them a plan on this podcast and how to get there. But for you, you have like a hundred and twenty some of these homes, right?
Scott:I have one hundred and twenty six and I didn't tell you yet, Joe, because this just happened yesterday. I just contracted 16 more from one guy, 16, and I'm doing a private money deal. I spoke with the lender this morning and he's funding the whole thing, and I'm so I'm going to be adding 16 more, probably within the next three weeks or so, I'll close on those.
Joe: And by the way, I'm where did you notice the hat? I'm wearing it in your honor today. Thank you. You can tell from his accent. He's not from Virginia. Where are you from?
Scott:I'm from Long Island, New York, but I moved to Virginia, which is why my accent a little bit confused. I moved from Virginia in 1992. So it's been a while. So it's funny because I still feel like, you know, I'm from New York and I'm like, I'm not from New York anymore. I'm from Virginia. I've been here since nineteen ninety two. Next year it's going to be 30 years.
Joe: You got to be careful. You don't lose your accent.
Scott:Yeah. Well, you know, people tell me they think I'm from New England. Some people tell me Australia. I hear all kinds of stuff and I'm like, No, it's just a mixed accent now.
Joe: All right, so you're one 120. Some of these soon to be one hundred and thirty something. How many do you have free and clear right now?
Scott:I think I have fifty eight right now that are free and clear. I got a double check. I'm pretty sure it's fifty eight and I have two more that are getting paid off at my next payment.
Joe: So to get those fifty eight free and clear home?
Scott:Well, so this is interesting. You know, again, I'm trying not to keep you all day. I know I got a lot of stuff to share, but I started this process in 2011 is when I actually started the five year plan. So in 2011 I started it and I and I don't remember how many I bought that year, maybe 10 and 20 11, 2012 2013. By 2013, I started second guessing myself like, Am I doing the right thing? Because I'm not making any money now I'm flipping, I'm wholesale and that's where I'm making my money. But these properties I'm holding, I'm like, You know, I know this sounds like a good plan. On paper, it looks great. But I'm managing now 30 properties. Thirty five and I'm not getting anything. It was twenty sixteen where we hit that sixty 60th payment, where all the sudden it was like, All right, I might be the smartest guy I've ever met. You know, all the sudden it all made sense. But during that first 60 months, I had my own struggles with it because I'm like, You know, yeah, that seems like a great plan, but it's already been a couple of years. I'm not making anything, and that's 60 first payment. All of a sudden I was like, Oh, this is great, and now talk about it. So now it's been 11, you know, 10, 10 years. So now I had twenty six, maybe ten fifteen came free and clear. Two thousand seven, I'm sorry, 16, 17, 18. So every year, every every couple of months, another one or two comes free and clear and and it just gets better and better. And I try and structure. I'm a little bit different because of the rollercoaster ride that we ride as a real estate investor. So I try and structure where I get myself a paycheck. I don't just take money that's there and not an actual paycheck, but I take a dividend every month. So when stuff comes free and clear, I just give myself a raise and I always try and make it. So it's a steady amount that never is going to go up and down. I leave money in there because, you know, as a being an investor, you know, we can make fifty grand one month in the next month. And so I got tired of living that way. I said, No, I just want a stable, steady income. And so every month I pay myself and as more, I'm free and clear. I raise that amount.
Joe: All right. So on average, each of these free and clear homes, what do you make on average? And by the way, you're not a landlord, you're the you're the bank on this. So what? It's an average monthly payment you get on one of these.
Scott:So it's I'm going to tell you it varies. And the reason I'm going to tell you that is because of the market we're in right now. So four years since I started it, the average payment was eight seventy five on average. And I'm going to run numbers with you, if you don't mind. So on average, I would buy them for $30000 or less. We would use a private lender, which is financed for us for 60 months at 12 percent interest. So people are like 12 percent. That's crazy. Why do you pay so much? I'll explain that to you. But so we would pay 12 percent interest, which made my payments six, sixty seven, thirty three for six months. On average, we would get eight, seventy five a month, but we also paid the taxes on insurance, so I wouldn't make just about anything, maybe 50 bucks. I wouldn't make anything. But on the sixty first payment, it's all mine. So I always told people to factor on $500 a month, and that's very low. And I'll explain to you why. But I always said factor five hundred a month, mostly because it was easy to make. If someone said they wanted 10 grand a month, I'm like, Okay, you need 20. Let's just make a plan to get you 20. The reason that that is so low now is now because of the crazy market we're in. Our average payments now are eleven seventy five and it's crazy how much they've gone up. So I have houses that I paid 12 grand for, 15 grand for, and I'm getting 11 seventy five a month with no, no, no maintenance, no repairs, not fixing anything up. I mean, it's staggering when I look at some of the numbers because I'm like, Holy crap, the return is like, It's crazy, it's crazy that we're not landlords, we're not in there fixing stuff. We're not mowing lawns and cleaning them up. We're not doing any of that. We're strictly operating like a bank.
Joe: And so who are you being the bank to? Who are the buyers of these homes?
Scott:Our primary buyer and this might be a lot of people who listen to your podcast, Joe, our primary buyer, our conventional rental investors, the people who love the I'll tell you what the people, which is a good majority who love this BR strategy that everybody's touting the people who have been taught to leverage and make $300 a month. They love it. And I'll tell you why they can get into one of my houses for five hundred five thousand dollars down right five thousand dollars and then make a two. $300 month profit, alleged profit. We'll discuss that another time, but so that $300 a month, well, let's say two hundred, it makes easy math that over the course of a year, that's twenty four hundred dollars if they put five grand down in their brain. They're saying I made a 50 percent return. Who's better than me? I'm making a 50 percent return, right? And that's true in a perfect world. If there was no maintenance, no turnover, no vacancy, they're making a 50 percent return. Those are my buyers. And then a lot of them want to keep it for a year or two or three and refi out. And a lot of times they just want to keep them as long term rentals the way I used to be way twenty five. Scott used to be where we just wanted to get the cash flow and keep them as long term rentals. That is not what I want to do anymore. Now I'm all about just picking up chicks and letting letting everyone else run around and fix the stolen air conditioning unit. Meet the tenants, go, show properties. I don't mess with any of that stuff anymore.
Joe: Nice. All right. So on average, what do you make in a month in passive income from these deals?
Scott:Right now, myself? Yeah. So we bring in about one hundred and twenty thousand dollars a month right now bringing in, but I don't make that on average. What I make right now is probably closer to 30 that I actually take.
Joe: That's what you pay yourself out of that.
Scott:Yeah, that's what I actually take. So we bring in a lot more. But I also don't take I've learned, you know, I've been doing this a long time, so I've learned we don't take every dollar that's available to be taken because, you know, there come times where we might have a vacancy or we might have something. So I leave money in, but I try and pay myself in the sense where it's very stable. So I get paid. Whether we're good month, bad month, I get paid the same every month.
Joe: And you must have a huge team, right? Like lots of staff.
Scott:Huge team, a huge team of one. It's just me. It's just me. Because, you know, I used to have a team. I used to have all kinds of people working for me prior to this model. But now it's there's there is no there is no work involved and I don't want to say that because I do work. But there's no there's not a lot of work. My work, I go to the P.O. box, I pick up checks, I deposit them. I keep track of who paid and didn't pay. We send out late notices if somebody didn't pay. But there's no really, there's no phone calls. Oh, the sink's leaking. There's no, you know, I have to get the loan cut. There's none of that type of work. We operate the same as a bank. So, you know, it's no different than how many properties can Bank of America manage. They're not really managing them, they're just processing payments. And that's what we do. I don't feel if I have, if I buy another hundred still just the same process, no matter how many there are. So I don't I don't have the same thing now as far as filling them. And I know this is a lot of stuff to talk about on a podcast. But as far as filling them, I have a system that we use that we're going to discuss where I don't actually meet anybody. I don't show properties, I don't go to properties, I have properties I bought. And to this day, I've never seen, you know, because it's just paper to me, and I know some people love their houses like they love them. They want to put their arms around it and hug it and lick the doorknob and say, This is mine. And they they absolutely love them and I get it. I felt that way when I started. I'm not that way anymore at all. Like, I strictly see houses as pieces of paper, and that's it. I don't ever have to actually see the house. They're just pieces of paper to me. I filled out this one, I filled out this one and I get this chair, and that's it.
Joe: The cool thing, too, is you're selling these to investor buyers basically, right? You're selling them to investor buyers. And you have a method for how before you go into a new market, you go in to make sure you actually have demand from buyers in that market. And you need you know what they would be willing to pay for it. How do you do that?
Scott:It's really important because there are certain markets, as I'm sure you're well aware, Joe, that a like like Detroit four years ago, I haven't looked at Detroit in a while, but Detroit used to advertise houses even on on eBay. They would advertise these houses for $2000, and you'd look at them and their nice houses in decent shape. So you get all excited and you're like, Oh man, two thousand dollars, how could I go wrong? Right?
Joe: Yeah.
Scott:How could I go wrong? A house for $2000? But the reality is, if you remember there was nobody, there was there was a steep, declining population and there was nobody to rent them. That's why they were so cheap because they just said vacant. So really, all you bought, no matter how nice the house was, all you bought was a tax bill, a lawn mowing bill, and eventually the city was going to bulldoze it and charge you for that. So although it seemed like a great opportunity, it's only two thousand dollars. How could I go wrong? You could go wrong because you didn't buy anything other than a bill. So because of and I never did buy them, but I did research on what because of that experience, I started saying, Hey, whenever there's a new market and I have, I have coaching stores that want to invest in outside markets. You know, St. Louis, where you are, is a great market. I always tell them to to test the market first, and the way we test it is we run ads in that market with a house that fits the criteria of what we're working on buying just to gauge the response just to see, you know, we put out five thousand dollars, down eight five a month or whatever the details are. Three bedroom needs work, handyman, special, no credit check and we'll finance just to gauge the response. And if we get no response or one response, we're like, you know, for whatever reason, this area is that generally you're getting 20, 30, 40. Send me the address. I want to take a look at it. And even if you don't have a house yet, now you're collecting those names and that those that information and now you feel confident to buy there because yes, there's a hot demand in that market. So the house is just like the one you're about to buy.
Joe: Oh I love this. So guys, do you get you get the power of this, this we're buying a property at 20, 30 grand, 30 grand that needs work. We're not doing any of the work to fix it up. We're getting a private lender that lend us money if you're going to pay 10 to 12 percent. I'm telling you guys it's easy to find the money on these kinds of deals. All right. So then bring in a private investor, you pay them off in five years, you have zero cash flow the first five years. This is why we call. The slow flip strategy, this isn't a get rich quick, but this is one of the best ways I've ever heard of to get regular passive income being the bank getting. How else can you get five a get a house free and clear in five years? This is a crazy thing. So then you you're paying maybe six hundred and fifty seven hundred bucks a month to the private investor. You're selling it to usually a landlord investor on a 30 year note at eight percent where their payment to you is going to be about 875 a month. They're going to go in and fix it, and then they're going to turn around and rent it out, and they're going to get 1100 a thousand eleven hundred a month in rent. So they're going to be getting a couple 300 two to $300 a month in cash flow on the deal. But now you're providing in five years your notes paid off. Guess what? Now you're going to be getting eight hundred and seventy five dollars a month in gross payments from that other investor, and you don't have to worry about maintenance, repairs, fixing things, whatever. It's beautiful.
Scott:So two things I want to point out, Joe, because as you said it, I can almost feel through the screen people thinking it. There's no $30000 houses. You can buy a house, but this guy is out of his mind, right? And let me tell you, for those who are thinking it, there might not be in your market if you live in California, a Long island where I'm from. There are certain markets where you can't buy a garage for three or four or five hundred thousand dollars, but there is a huge section of all country huge areas in our country where you can buy houses regularly for $30000 or less. And the cash flow is huge. I mean, there where there eight nine hundred is the regular rent for these properties. So you may be in a market where you're thinking, No, that's just not possible, and I promise you, it is possible we'll go over exactly where to find them or how to do it, but you can do research on your own. There are plenty no shortage of $30000 or less houses in our in our country.
Joe: And what price are we selling them for?
Scott:Well, my price typically was always eighty nine thousand. So and the reason I say typically is because we're in an interesting market now, so I've changed. But typically I would buy these for 30 or less and I would sell them for eighty nine in our current market right now because it's a little heated. We went kind of our low end now is one 19. Same house, same times that turned over. Somebody might move out or give the property back and I'll realistically it was eighty nine before now. It's one nineteen one twenty nine point thirty nine because our thing is, I always I'm always going for what the market will bear. That's it. That's my I was like, Well, how much can you sell for us? So we'll find out. We'll see what the market will bear. And there is no appraisal. There is no judgment on what your price is. So we get to we get to set the price. And if it feels I always tell people, I said, you can always go down, you can never go up. So we start off. And if it didn't, if it didn't go at one twenty nine, I can lower to one 19. But you know, we haven't had any problem. I've been I've been going up and they're still going right away.
Joe: You're selling owner-refinancing and you have to worry about Dodd-Frank, right?
Scott:Dodd-Frank, when you're dealing commercial with investor to investor, it's all commercial. There is no Dodd-Frank.
Joe: Awesome. And the reason why you can charge a premium for it is because you're giving us incredible financing.
Scott:So you know, again, I know we can't use the whole thing right here on a podcast, but I want to tell you something that I always tell people is they'll say, Well, how could how could you celebrate nine if it's available for 30, right, or somebody else could have bought it for 30, or there's another one on the block for 30, right? How could you sell yours for eighty nine? And the short answer and this is the answer I always give. If I say I'm sitting at the table with somebody and they're doing paperwork and they'll say, Wait, it's eighty nine, how come there's one on the block for 40? And I would say, Well, yeah, that's a good deal. I would buy that one. And they always respond the same. They say, well, that when you got to pay cash for. Well, then I would buy mine and I never try and hide anything. I never tell them, and I said, You can buy that one. If you have 40 grand in cash, that one might be a better deal for you. But if you got three grand down or five grand down, mine might be a better deal for you. Does that make sense? Yeah, so that's always the way I answer it. That's the short version is I always say we sell the financing. The house comes with it. That's what we're really selling. What we're really selling is a small down payment, a monthly payment, and you get this house, not the house. And now you figure out how to pay for it.
Joe: That's a real important distinction. So I've been drilling you a lot with question, Scott. I appreciate this. We wanted to do the special podcast because next week is, we're recording this. We're going to be running a five day challenge teaching you how to do these deals step by step, and it's going to be so much fun. This is free. What? This is absolutely free. We're going to teach you how to do these deals. If you go to slow flip dot com slow flip dot com, you'll get more information. The date that we're going live, we're going to be going live in a private Facebook group that's going to be only up for about seven, eight nine days. So we're going to be in this Facebook group every morning. Scott's going to be teaching this thing. I'm going to be there helping and seeing, and it's going to be so much fun. It's going to be amazing. Scott speaks a lot. He gets invitations, travels around the country, speaks a lot at the locals clubs and in Virginia and stuff like that. And Scott does a lot of different deals. But Scott, this strategy of all the different deals that you talked about, the strategy that you teach or whatever this strategy is, the one that gets the most interest and gets people most excited is
Scott:and it gets me the most excited. And I'll tell you what you know, we've done exercises over our life to figure out what it is your purpose is and what you're excited about. And you know, what's what's your life's purpose? And I've come up with, you know, my purpose is to motivate and inspire as many people as I can toward financial freedom. Until you actually live, find financial freedom and you're actually set free. We hear it. We see the taglines and all this stuff. But you really don't appreciate it when you can say I'm not leaving the. I'm not doing anything you can do, whatever you want. Well, ever since I've gotten to live that life, I've become obsessed with taking other people down that path and I have several, I mean, even locally right here that have 20 properties, and that's it. They're like, I don't even need me more. I have 20. They're just about paid off or they are paid off and they're like, I'm free. I don't need any more. They're not trying to get to a bazillion dollars. They're just like, I'm free and it's amazing when you can do that, which is why I love doing this, which is why we're doing this for free as well. You know, it's amazing when you can set somebody free. That's the most inspirational thing to me when we can set someone else free in their own lives.
Joe: That's awesome. So we're going to go to slow flip dotcom. It's a challenge that starts next week. That website will tell you all the details. We're going to go live every morning in a private Facebook group teaching the strategy, which you got to sign up. Right now, it's completely free. If you're not happy, double your money back.
Scott:Or double your money back.
Joe: Double your money back guarantee refund. Slowflip.com. Check it out, you know, and on that weekly in this challenging that we're doing next week, we're going to show you a plan. If you, let's say your freedom number is $10000, OK? We're going to show you how to what kind of how many properties you need to buy, what kind of how many you need to get to that $10000 number. And you can do it in five to seven years, which is crazy. It's an amazing ROI. And if you really do want true mailbox passive income, this is why you need to do this, Scott, before we wrap it up. Just touch a little bit of you and kind of the great rental myth out there like people think that, well, you know, if I just go out and get a loan and I buy one house every couple of three months, one house a year, and I and I go out and get a 30 year mortgage on it, I'm going to be free to talk about the great rental myth real quick and why that's not exactly entirely true.
Scott:If that is your plan, it's still better to be doing that than to be doing nothing right. I would still rather you have some rentals, even if they're conventional rentals, then do nothing. You'll still end up way better off, however, from somebody who did that plan and scaled it on a larger scale. It's I what I realized and what I find. Most people I talk to. Whether you agree with it right now or not, most people won't agree. It's only because they're brand new. If you've been in rentals for years, you'll agree is that we end up servicing the debt and then servicing the tenant and servicing the maintenance. And there's typically no money left. And I'm going to tell you a number that people argue with, but then they'll end up saying, Well, I went back years and you're correct. On average, a rental will cost you $300 a month for maintenance. And people say, No, I have a property two years. I've done zero to it. I haven't done any maintenance. You're right. If you can, you can hit pockets. What? You do nothing. But then you'll have a time where you have to turn over and do new carpet paint, replace the air conditioner or whatever it may be over time, over a longer period of time. The average is about $300 per month in maintenance. Well, the problem with that is most people's projections are two to $300 a month in cash flow. There's a little secret there. You're not making anything you might feel like you are and you're getting it now, but you're going to give it back. And so the great rental myth is what everybody teaches is just, you know, make your little spread and then you can buy 10 of them. And now you're at three grand a month or you're at five grand a month, whatever it is. I have friends that that don't do my modeling, do conventional rentals. They have a ton of properties like I used to do. They don't make anything. They're juggling and it's all for some day. It's all going to be worthwhile. The challenge with it is and this is the vision I try and put in people's heads. So I'm going to I'm not going into the full great rental myth because we didn't have time for it. But I'm going to I'm going to tell you the vision that I put in my head trying to put in my students head is I use Mr. Burns from The Simpsons if you guys have ever seen the symptoms. And I always picture him with his fingers like this at the top of those buildings, any downtown in any city, you'll see those tall buildings and they all have a bank logo on the side, right? There's a reason for that. So I picture Mr. Burns up there and looking at us running around, fixing the air conditioning unit, you know, having a for rent sign up, dealing with an eviction and fixing stuff, mowing the lawns, dealing with the tenants so we can collect this money and mail it up to him. And that's really what you do. So with the conventional rentals, you basically have a job for 30 years working for the bank. Mr. Burns just sitting up there and he's like, run along, run along, go collect my money and we send it up to him with the slow flip method. What we really do is we flip it all on its head to where we become Mr. Burns. We have all these other people out there now who are dealing with the things that we were dealing with before. They're dealing with the the tenants, they're dealing with the loan, they're dealing with the city, they're dealing with courts and collections. And all we're doing is saying, OK, it's the fifth, where's my checks? And that's the greatest part of the business is we flipped it all around to where our whole job now is just collecting our checks. And one more thing I want to mention on Joe, because we haven't even discussed this yet. You can do. My regular model is the thirty thousand and then and then sell it on gone 30 years, you know, five, you buy it on five years and sell it on 30 years. However, there are variables and I'm not going to get into it today, but you can do it with all kinds of other properties as well. I have one of my guys just did one with a sixth place. He bought it. He bought a six plex and he actually had it on a finance to him at 18 years. But we sold it. He got a down payment down and he got this. So he walked away with only about $300 from the down payment. But he has no money invested in it. And now he makes eleven hundred or twelve hundred dollars a month profit from this deal. For the first, I think it's 18 years was his financing and then the next 12, he gets three grand a month. So he bought it at like 180 and he sold it at two ninety nine. And so the reason I'm sharing that with you is because I don't want I don't want to make it so close minded that there's only one way to do this. We do it with all. Kinds of properties. That's just my bread and butter. Does that make sense?
Joe: That's perfect. That's really, really good. So we're going to dove into much more detail. We're going to have a whole week to talk about this and teach it at slow flip dot com. If you guys are crazy. If you don't want to go there right now and learn the strategy from Scott, you're going to find out why this is such a good strategy. You're going to learn, you know, the first day we're going to talk about your numbers, like, what is your freedom number? What is your vision for your life? And what do you need to make per month to get there? And it's going to be a lot easier than you think. And then the next day, we're going to talk about how to find these deals right there. We're going to talk about how to find the buyers, the investors for these deals. We're going to talk about how, how to raise the private money, and it's going to be just a to z nuts and bolts. Really, really simple, slowflip.com.
Scott:One last thing I want to say, if you're watching this and thinking negative things as well, it won't work because of this or what happens if this happens. These are valid questions. Write them down and we'll go over them. But I want to tell you, after over 10 years and probably 300 of these, not just my own but students deals, I've come across it. Whatever that problem is or challenge you think in your head, I guarantee you I have an answer for it and we've dealt with it already. So write them down and we'll go over it during the class. But there's going to be nothing you're going to come up with that we haven't already addressed or what came across during these, these last 10 years.
Joe: That's really good. The thing I love about doing these groups, too, is we get a Facebook group. We get a lot of activity in there. We get a lot of people sharing asking questions and it's going to be amazing. Got to slow flip dot com slow flip dot com. If you can't make the live videos the mornings that we do them, that's OK because they will be in that Facebook group for at least that week. So we're going to keep that Facebook group up for about nine or 10 days. And then at the end, we'll take the group down, but you'll have nine or 10 days to watch videos. So go sign up right now at slow flip dot com, and I look forward to doing this. Thank you so much, Scott.
Scott:I can't wait. Thanks for having me on. Joe, I'm looking forward to it.
Joe: All right. We'll see you guys later. Take care. See you soon, Slowflip.com. Go there right now.
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When it comes to the concept of "end times" Christians are all over the theological board, from people believing the Bible contains clues to the actual date, to believing it's all a big metaphor, to countless subtle, overwrought positions between them. After two thousand years it's hard to believe it's just around the corner (as did many of his contemporaries), but Jesus talked about it too much to simply ignore it.
When the Pharisees asked Jesus when the kingdom of God was coming, he told them it was nothing that could be observed but "in fact, the kingdom of God is among you." So which is it – now or later?
He shared examples of what it would be like. Two in a bed, and one taken. Two grinding meal, one taken, the other left behind. Ordinary things. Things we're not likely to be doing if we think the world is ending. Things we do every day, right now, even as the world ends for so many people caught in war, famine, and disaster.
When the kingdom arrives for you, maybe you'll be in bed and startle awake with a gasp that feels like the first complete breath you've ever taken, a breath full of sorrow and hope that connects you to all the other breaths of the Kingdom. The person sleeping next to you, and their shallow breaths, will wake next to someone who understands why we do good to our enemies, and how forgiveness saves the world, and wonder why you can no longer share the same hate. The kingdoms you wander could suddenly not be more different.
Perhaps the kingdom will come in the middle of your daily grind, when a remembered verse about lilies in the field blooms large, and your fears are cast out. A new perspective, a focus on what's eternally important rather than what's mundanely urgent, now separates you from co-workers who look at you like you're from another planet. Your sudden inability to share their worries confirms their suspicions.
Thy kingdom come. Thy will be done. That is when earth is like heaven.
Comfort: The kingdom is right here.
Challenge: Pick a random page in the newspaper (or your regular online news source) and ask yourself how residents of the kingdom might see the stories differently.
Prayer: Thank you, merciful God, for inviting me into your realm. Amen.
Discussion: Do you feel like part of the present kingdom?


The Swedish Derogation came in for attack by Taylor who said it should be abolished. Essentially this is a system that allows recruitment software to recognise temps who receive payments between assignments as a way of establishing a stable relationship with one agency. Taylor recognises that the 'contingent labour market' is one of the UK economies major assets and encourages more transparent and modern working practices such as SAAS recruitment software and novel ways of paying gig workers via platforms rather than cash. This seems likely to create a whole new raft of recruitment issues and intermediaries who will solve this platform problem for both recruitment consultancies and classic employers who need to take on temporary or specialist staff.
In other news, Anderson Group has closed down an aggressive tax avoidance scheme in a fashion that could stop HMRC from recouping millions that have been withheld by exploitation of VAT and NI rules that were designed to help very small businesses but have been utilised by more than 2000 Anderson clients to avoid tax payments. The large component of Philippine nationals involved in the defunct scheme is likely to interfere with HMRC's ability to investigate and recover tax owed. A tax barrister has suggested that a prosecution for tax fraud would be a strong possibility given the circumstances.
The scheme was supposed to work by transferring the contracts of low-paid workers from a single large employer, via employment software, into a network of thousands of mini companies. As an example, if a recruitment consultancy supplied 70 security staff for a festival, the scheme would create 35 new tiny firms, each employing just a couple of workers. Each firm was registered for flat rate VAT, so they could charge it at 20% but pay back to the exchequer at around 10%. The mini companies could each also claim government employment allowance of up to £3,000 per year.


This past Saturday was my 3rdnd Annual Hostess Appreciation Brunch. I really appreciate my hostess and like the opportunity to pamper them a bit.
I'm sorry to say that I forgot to take pictures during the event to share with you since we were having so much fun stamping. Oh well, during the Hostess Appreciation Brunch we visited, shared, ate some goodies, and did a special project together.
Even though I forgot to take pictures during the event I thought I would share with you the project that we made – 4 note cards and a matching holder to put them. It was a bit chaotic but everyone seemed to enjoy it.
I love the way this little set turned out. Collages are really popular right now and this set is great as a quick gift.
Want to see more? Come back tomorrow and I'll show you the little gift item I made for all my Hostesses for attending!
Want to join in the fun during the next Hostess Appreciation Brunch? Give me a call or email me and we can set up your private party today!
The weather may not agree, but this weeks NEW Digital Downloads will make you feel like spring is right around the corner. So why not check them all out.
Happy Things Pocket Cards (item 133383) These are perfect for our divided page protectors and make scrapbooking a snap!
As luck would have it , you'll find not one, but two FREE Digital Downloads available for you this week! So why not get yours FREE Digital Downloads today?
And how about these cute No Regrets Pocket Cards (item 13387) you can also download for FREE.
How? Just place an order in my Online Store and enter the item numbers – it's that easy!
Want to learn more about My Digital Studio? Why not check out our FREE 30 day Trial? I also have an Introduction to MDS2 Class coming up soon. You can Click HERE to see more details or HERE to see my Calendar of Events and other fun classes coming up soon.
Have you ever wondered what happens at one of my monthly Blue Mountain Stampers' Meetings? Well I thought I would share with you one of the projects we made during my February TEAM meeting.
I've had several of you ask me if I knew any tricks on how to make these cute little pinwheels using our NEW Pinwheel Sizzlits Die from the Spring Catalog. They are sooo stinking cute, but they are small so they can be a challenge to put together if you don't know a few tricks.
Since I made about 100 of them for my Leadership swaps in January I had plenty of time to try out different methods of putting them together. Today I thought I'd share with you what method worked best for me so I put together a Tips for Quick & Easy Pinwheels Video Tutorial to show you what I learned.
Want to make one of your own Pinwheel Wishes card? Well you can, just click Here for a FREE PDF TUTORIAL with measurements and directions just for you. I hope you have as much fun making these cute little Pinwheels as I did.
Have you ever thought of becoming a Demonstrator? Want to join the fun and become part of my TEAM? Sale-a-bration is a great time to join since we have a special promotion going on right now. Why not click HERE to learn more about becoming a Demonstrator and becoming part of my Blue Mountain Stampers' Team. Warning – the fun is contagious! Let me know if you have any questions (stampwithjini@gmail.com) or would like answers to any questions you may have.
Don't want to become a demonstrator? That's ok you can join in all the fun during Sale-a-bration by hosting a party of your own! Or why not stop by for my FREE event Sale-a-bration Saturday on March 2nd! Click HERE to see my Calendar of Events for more information. Contact me today and we'll find what works for you best.
Today I thought I'd share with you a little gift item that I gave my down line when I got back from Leadership in Orlando. I love the way this little pinwheel gift bag turned out – don't you?
You can create these little Pinwheels with our NEW Pinwheel Sizzlits Die (item 129411). I made about 100 of them when creating one of my swaps for Leadership. You can click HERE to see the card I made for my Leadership swaps.
Can you see the clouds on the bag? I really like using the Cloudy Day Embossing Folder with the pinwheels since it's fun and whimsical.
Did you know pinwheels symbolize a lot of different things to different people? Recently I found that the Chinese use pinwheels a lot during their New Year's Celebrations due to their symbolism. While looking around – turning obstacles into opportunities quickly became my favorite and the creative jump start for creating this little pinwheel gift bag. So… I came up with the sentiment, Transform your Dreams for the bag's banner.
Were you wondering how I created this banner? Well I used My Digital Studio and the FREE Sale-a-Bration Digital Disc. The One Big Sale-a-Bration 2013 Digital Disk is a great item to choose since it contains all of the Sale-a-bration items that you can earn FREE.
Oops – I bet your wondering what goodie I put inside my pinwheel gift bag.
It contains a souvenir shot glass from Orlando. These little shot glasses are a great way to store your Multipurpose Liquid Glue since it always keeps the glue at the tip and ready to use. It's rather funny to see a group of us demonstrators pulling our shot glasses during an event!
Love these little Pinwheels as much as I do? Why not come back tomorrow to see my NEW video – Tips for Quick & Easy Pinwheels.
Stop in for this FREE event where you can make a FREE project using our NEW Spring Catalog products. RSVP is required 24 hours prior to the event to attend. I'll need a guest count to prepare projects for everyone.
Saturday, March 2nd at 10 a.m. or 1 p.m.
Drop me an email (StampwithJini@gmail.com) or call me (706 754-7124) – It's FREE so why not bring a friend along too?
Introduction to MDS2 Class Offered!
Monday, March 4th at 10 a.m.
Wednesday, March 4th at 7 p.m.
Bring a friend not already on my mailing list and get a free gift!
Don't want to mail a check? Click on the button to pay for your class fee and select your choice of day and time.
Monday, March 4th at 10 a.m.Monday, March 4th at 7 p.m.
Do you love the Feeling Sentimental Stamp Set that you can earn for FREE during Sale-a-bration the way I do? There are just so many great things you can do with the images and they appeal to all ages.
Here is a great card that I received in a swap during Leadership from Margie Slyck. I love the colors she chose to make this card – how about you?
Have you ever had one of those days? We'll I've just spent the morning putting up 8 heads of cabbage that my son Johnathan grew in his garden. I've got to say that I was impressed when he picked them earlier because they were so large and was looking forward to using our favorite recipe when I put it up. Since they've been sitting in my frig taking up so much room I decided I had better do something with them, right? Well fast forward a bit – to make a long story short I should have paid more attention to what I was doing!
After cooking up over half of the cabbage I realized I was using ground mustard instead of ground ginger to season the cabbage with! Thankfully my little oops didn't turn out so bad, and actually my husband might even enjoy it – since now the cabbage has a bit of a kick to it! However, I'll be paying more attention as I make the rest of the batches up the right way.
So all this got me to thinking of a card that I made at Leadership using the Vintage Verses Stamp Set (item 129633/129636) that is currently available as a FREE Sale-a-bration item. I thought the verse was appropriate for today.
Stampin' Up! has just introduced its NEW Digital Downloads for this week. With four templates in one the NEW Think Back Photobook Templates Digital Download (item 133021 $19.95) is a great value.
You'll have fun asking family members those great questions such as – What makes you feel young? Or what is the first thing you learned to cook? What a wonderful way of creating a lasting memory of your family using My Digital Studio.
And why not check out the Hello There kit (item 133374 $9.95) with its fun graphics and images.
Want to organize some more? Use the Label This Playroom Designer Template (item 133269 $3.95) to make your child's area easy to clean.
Or better yet, organize that out of control garage space using the NEW Label This Garage Designer Template (item 133270 $4.95). It will make things easy for everyone to find!
If you'd like to learn more about My Digital Studio why not try out our 30 Day FREE trial today. Click HERE for more information.
Also available is my Introduction class to My Digital Studio. Click HERE to see my Calendar of Events.
Pennants are still very popular – so why not include them in your next project?
Here is a great card that I received during a swap at Leadership using our FREE Sale-a-bration Designer Series Paper, Sycamore Street This card is not only colorful but quick and easy to make.
Lyssa used our Petite Pennants Builder Punch (item 122361) and the Sycamore Street Designer Series Paper (item 127540) to create the banner for his card. Isn't it cute?


A violent partner who broke his ex-girlfriend's nose leaving her with no sense of smell has been jailed.
David Darbyshire, 44, was convicted of causing law student Geraldine Faber actual bodily harm after launching a violent attack on her in her own home.
During the attack, Miss Faber was so terrified she tried to leave the house with her baby son and another child who had been staying overnight.
But after a night drinking heavily in a local pub, Darbyshire, of Louise Street, Blackpool, set upon the mum-of-two when she asked him to leave her home in September last year.
He punched her to the end of her nose, causing fractures which needed plastic surgery to repair and launched a second blow to the side of her head as she telephoned for the police.
As Miss Faber tried to stem the bleeding from her nose she tried to gather up the two young children to take them to a place of safety but Darbyshire had locked the doors.
He denied the charge throughput the trial but has now been sentenced to 36 weeks in prison after being convicted by the jury at Preston Crown Court.
Judge Philip Sycamore, sentencing, said: "This was a very serious incident of domestic violence.
Miss Faber has had operations to repair her injuries and almost a year after the attack her sense of smell and taste have not returned.
"He has had a year of freedom, going on holiday and doing what he likes but it has cast a dark cloud over my year.


Caution: objects in this DingbatsOne font may not look at all like this. Only users with the font on their computer will see these symbols. To see what letter or character they'd see instead, see the ASCII chart.


text:
New Continuum: 603 Discovery
ISI Communications has moved its Core Network into New Continuum's Chicago Facility
Mar 26, 2019 | Posted by admin
New Continuum has persuaded ISI Communications to move its core network node into its facility. This is no easy feat.
Certainly the fact that United IX is in the building helped to make the decision easier.
The New Continuum Press Release:
ISI Communications is leveraging New Continuum's edge service capabilities to provide optimized networking services to institutions, municipalities and businesses in rural Northern and Western Illinois communities.
West Chicago, IL (March 25, 2019) — Data center owner and operator New Continuum Holdings Corporation, which operates New Continuum Data Centers ("New Continuum") (http://www.newcontinuum.net) and United Internet Exchange, LLC ("United IX") (http://www.unitedix.net) is pleased to announce that ISI Communications, Inc. ("ISI") (https://www.isicweb.com/) has relocated its network core and primary critical service functions to New Continuum's West Chicago facility. ISI leverages connections to United IX in the facility to optimize IP and transport traffic routing for its customers in rural northern and western Illinois communities.
ISI has been serving the regional community within the same business park as New Continuum for over 10 years, bringing advanced fiber optic services to government agencies, institutions and local businesses. By utilizing United IX, ISI is uniquely able to deliver cost savings and efficient traffic routing from the closest possible location to its customer base. The companies also announced a joint marketing agreement to provide seamless service delivery of colocation and network connectivity across the companies' product portfolios.
New Continuum is a leader in defining next generation, multi-tenant data center services. Its flagship data center in West Chicago is engineered for maximum flexibility, providing ample power redundancy and cooling to maximize server density. Adding to its service capabilities is the facility's rich connectivity options and optimal traffic routing enabled through its partnership with United IX, a network neutral software-enabled interconnection platform.
"We are excited to welcome ISI and its customers to our facility," comments New Continuum Chairman & CEO, Eli D. Scher. "ISI has a unique network reach, that combined with our capabilities, can deliver true value in an edge compute model."
"We are equally excited by the potential of this combination. ISI's on-net communities and businesses can now easily access New Continuum's complementary infrastructure services." Dan Howard, Managing Partner of ISI added "With ISI's reach on existing fiber optic infrastructure and New Continuum's rich ecosystem of service provers, our customers will be able to take advantage of carrier hotel-like interconnection in the western Chicago suburbs"
To learn more about ISI, visit: https://www.isicweb.com/. To learn more about New Continuum's colocation services, please visit http://www.newcontinuum.net, or call 877-432-2656.
About ISI Communications, Inc.
ISI is the premium provider of fiber optic, high performance networking solutions in Northern Illinois. ISI delivers customized solutions to our customers in health care, financial services, commercial enterprise, cloud infrastructure, government, education, and other SMB enterprises. Our goal is to increase the reach of optical based IP communications and connectivity for Northern Illinois Enterprises and Organizations. To learn more, please visit https://www.isicweb.com/, or call 800-505-4742
About New Continuum Data Centers
New Continuum Data Centers ("NCDC") is a multi-tenant data center operator in the western Chicago suburbs. NCDC operates an 80,000 square foot, purpose-built, concurrently maintainable facility in West Chicago, IL. NCDC offers highly flexible wholesale and retail colocation services to enterprises and small businesses. New Continuum's products range from basic colocation to private cages, private suites and secured data halls. Additionally, NCDC offers unique connectivity and peering solutions through its partnership with United IX (http://www.unitedix.net). New Continuum's 2N power design can accommodate some of the highest density cabinet footprints, and with its efficient technologies and robust cooling infrastructure it can deliver leading edge PUEs. To learn more, please visit http://www.newcontinuum.net, or call 877-432-2656.
Explore the Site: New Continuum: 603 Discovery
Address: 603 Discovery Drive, West Chicago, IL 60185
High Density Room inside New Continuum Site
Source: New Continuum
Crypto Miner Deployment inside of 603 Discovery Data Center
Drone Shot of New Continuum Chicago Facility
Explore New Continuum Data Centers (NCDC) 's Sites
New Continuum Data Centers (NCDC) has 1 site in 5 regions


text:
Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications
Takayoshi Nakano, Keita Sasaki, Koji Hagihara, Takuya Ishimoto, Yusuke Fujii, Ai Serizawa
Co-Cr-Mo based alloys have been widely employed as heat resistant materials and as biomaterials for implants because of their high strength and superior wear resistance. In general, the alloys exhibit a very complicated composition-dependent microstructure containing stacking faults and related mechanical properties. Thus, the essential properties must be clarified by using not only polycrystals but also single crystals. To our knowledge, single crystals and related properties have not been reported elsewhere. Thus, Co-Cr-Mo single crystals were grown and used to analyze the microstructure and the related properties. Single crystals with a composition Co-27 mass% Cr-6 mass% Mo alloy defined by ASTM F75 were grown by two single crystal apparatuses: the optical floating zone and the Bridgman methods. The single crystals with the smooth-surface shape were successfully obtained in the Bridgman method under an Ar gas atmosphere at a crystal growth rate of 5.0 or 2.5 mm/h. A portion of the crystals contain Al as Al 2O 3 precipitates from the crucible. Since the Al 2O 3 precipitate induces martensitic phase transformation from fcc (?) phase to hcp (ε) phase, the single crystals were separated into two parts (a) containing Al 2O 3 precipitate and (b) in the absence of the clear precipitate. The microstructure was significantly altered by the martensitic phase transformation from the ? to ε phase induced by stress field or heating. In addition, variant formation of ε phase has a large influence on the mechanical functions of these Co-Cr-Mo alloys. Novel findings were preliminary obtained in the single crystals.
https://doi.org/10.4028/www.scientific.net/MSF.706-709.561
7th International Conference on Processing and Manufacturing of Advanced Materials, THERMEC'2011 - Quebec City, QC
Duration: 2011 Aug 1 → 2011 Aug 5
7th International Conference on Processing and Manufacturing of Advanced Materials, THERMEC'2011
Quebec City, QC
11/8/1 → 11/8/5
Crystal growth
Crystal growth from melt
Bridgman method
phase transformations
Polycrystals
Stacking faults
Artificial joint
Co-Cr-Mo alloy
Phase transformation
Single crystal
Stacking fault
Nakano, T., Sasaki, K., Hagihara, K., Ishimoto, T., Fujii, Y., & Serizawa, A. (2012). Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications. In Materials Science Forum (Vol. 706-709, pp. 561-565). (Materials Science Forum; Vol. 706-709). https://doi.org/10.4028/www.scientific.net/MSF.706-709.561
Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications. / Nakano, Takayoshi; Sasaki, Keita; Hagihara, Koji; Ishimoto, Takuya; Fujii, Yusuke; Serizawa, Ai.
Materials Science Forum. Vol. 706-709 2012. p. 561-565 (Materials Science Forum; Vol. 706-709).
Nakano, T, Sasaki, K, Hagihara, K, Ishimoto, T, Fujii, Y & Serizawa, A 2012, Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications. in Materials Science Forum. vol. 706-709, Materials Science Forum, vol. 706-709, pp. 561-565, 7th International Conference on Processing and Manufacturing of Advanced Materials, THERMEC'2011, Quebec City, QC, 11/8/1. https://doi.org/10.4028/www.scientific.net/MSF.706-709.561
Nakano T, Sasaki K, Hagihara K, Ishimoto T, Fujii Y, Serizawa A. Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications. In Materials Science Forum. Vol. 706-709. 2012. p. 561-565. (Materials Science Forum). https://doi.org/10.4028/www.scientific.net/MSF.706-709.561
Nakano, Takayoshi ; Sasaki, Keita ; Hagihara, Koji ; Ishimoto, Takuya ; Fujii, Yusuke ; Serizawa, Ai. / Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications. Materials Science Forum. Vol. 706-709 2012. pp. 561-565 (Materials Science Forum).
@inproceedings{d985116d4dc54c63a79316c5b84a76e1,
title = "Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications",
abstract = "Co-Cr-Mo based alloys have been widely employed as heat resistant materials and as biomaterials for implants because of their high strength and superior wear resistance. In general, the alloys exhibit a very complicated composition-dependent microstructure containing stacking faults and related mechanical properties. Thus, the essential properties must be clarified by using not only polycrystals but also single crystals. To our knowledge, single crystals and related properties have not been reported elsewhere. Thus, Co-Cr-Mo single crystals were grown and used to analyze the microstructure and the related properties. Single crystals with a composition Co-27 mass{\%} Cr-6 mass{\%} Mo alloy defined by ASTM F75 were grown by two single crystal apparatuses: the optical floating zone and the Bridgman methods. The single crystals with the smooth-surface shape were successfully obtained in the Bridgman method under an Ar gas atmosphere at a crystal growth rate of 5.0 or 2.5 mm/h. A portion of the crystals contain Al as Al 2O 3 precipitates from the crucible. Since the Al 2O 3 precipitate induces martensitic phase transformation from fcc (?) phase to hcp (ε) phase, the single crystals were separated into two parts (a) containing Al 2O 3 precipitate and (b) in the absence of the clear precipitate. The microstructure was significantly altered by the martensitic phase transformation from the ? to ε phase induced by stress field or heating. In addition, variant formation of ε phase has a large influence on the mechanical functions of these Co-Cr-Mo alloys. Novel findings were preliminary obtained in the single crystals.",
keywords = "Artificial joint, Biomaterials, Co-Cr-Mo alloy, Implant, Phase transformation, Single crystal, Stacking fault",
author = "Takayoshi Nakano and Keita Sasaki and Koji Hagihara and Takuya Ishimoto and Yusuke Fujii and Ai Serizawa",
doi = "10.4028/www.scientific.net/MSF.706-709.561",
series = "Materials Science Forum",
booktitle = "Materials Science Forum",
T1 - Single crystal growth and its microstructure in Co-Cr-Mo alloys for biomedical applications
AU - Nakano, Takayoshi
AU - Sasaki, Keita
AU - Hagihara, Koji
AU - Ishimoto, Takuya
AU - Fujii, Yusuke
AU - Serizawa, Ai
N2 - Co-Cr-Mo based alloys have been widely employed as heat resistant materials and as biomaterials for implants because of their high strength and superior wear resistance. In general, the alloys exhibit a very complicated composition-dependent microstructure containing stacking faults and related mechanical properties. Thus, the essential properties must be clarified by using not only polycrystals but also single crystals. To our knowledge, single crystals and related properties have not been reported elsewhere. Thus, Co-Cr-Mo single crystals were grown and used to analyze the microstructure and the related properties. Single crystals with a composition Co-27 mass% Cr-6 mass% Mo alloy defined by ASTM F75 were grown by two single crystal apparatuses: the optical floating zone and the Bridgman methods. The single crystals with the smooth-surface shape were successfully obtained in the Bridgman method under an Ar gas atmosphere at a crystal growth rate of 5.0 or 2.5 mm/h. A portion of the crystals contain Al as Al 2O 3 precipitates from the crucible. Since the Al 2O 3 precipitate induces martensitic phase transformation from fcc (?) phase to hcp (ε) phase, the single crystals were separated into two parts (a) containing Al 2O 3 precipitate and (b) in the absence of the clear precipitate. The microstructure was significantly altered by the martensitic phase transformation from the ? to ε phase induced by stress field or heating. In addition, variant formation of ε phase has a large influence on the mechanical functions of these Co-Cr-Mo alloys. Novel findings were preliminary obtained in the single crystals.
AB - Co-Cr-Mo based alloys have been widely employed as heat resistant materials and as biomaterials for implants because of their high strength and superior wear resistance. In general, the alloys exhibit a very complicated composition-dependent microstructure containing stacking faults and related mechanical properties. Thus, the essential properties must be clarified by using not only polycrystals but also single crystals. To our knowledge, single crystals and related properties have not been reported elsewhere. Thus, Co-Cr-Mo single crystals were grown and used to analyze the microstructure and the related properties. Single crystals with a composition Co-27 mass% Cr-6 mass% Mo alloy defined by ASTM F75 were grown by two single crystal apparatuses: the optical floating zone and the Bridgman methods. The single crystals with the smooth-surface shape were successfully obtained in the Bridgman method under an Ar gas atmosphere at a crystal growth rate of 5.0 or 2.5 mm/h. A portion of the crystals contain Al as Al 2O 3 precipitates from the crucible. Since the Al 2O 3 precipitate induces martensitic phase transformation from fcc (?) phase to hcp (ε) phase, the single crystals were separated into two parts (a) containing Al 2O 3 precipitate and (b) in the absence of the clear precipitate. The microstructure was significantly altered by the martensitic phase transformation from the ? to ε phase induced by stress field or heating. In addition, variant formation of ε phase has a large influence on the mechanical functions of these Co-Cr-Mo alloys. Novel findings were preliminary obtained in the single crystals.
KW - Artificial joint
KW - Biomaterials
KW - Co-Cr-Mo alloy
KW - Implant
KW - Phase transformation
KW - Single crystal
KW - Stacking fault
U2 - 10.4028/www.scientific.net/MSF.706-709.561
DO - 10.4028/www.scientific.net/MSF.706-709.561
T3 - Materials Science Forum
BT - Materials Science Forum
10.4028/www.scientific.net/MSF.706-709.561


My morning writing sessions have been going pretty well this week. It's certainly much easier to focus when Riley crawls into my lap and sleeps. Before, I had to keep him in the corner of my eye at all times, since I was never really sure whether his whimpers meant that he needed water, wanted to play, or was five seconds away from peeing on the carpet.
But then again, his adorable snuggly-ness compels me to hug and kiss and pet him a lot, which somewhat reduces my productivity. I guess you win some, you lose some.
I took this as a compliment, even though he wasn't interested in publishing the piece. Recently I wondered, What would it take to get someone like him to read my work and think it was just strong, no buts? So, several months delayed, I emailed him to ask the question. Essentially, he said, you just have to write more, and he apologized for not being able to offer anything more precise.
Maybe I'm completely nuts and totally hearing what I want to hear — or maybe I'm just too used to Simon Cowell's backhanded counsel on American Idol — but I think both his responses were encouraging. He didn't say, "You stink, go find a real job." (And if he had, I'd have to confess that I already have one, and maybe that's part of why I stink.) No, he said, Keep at it. This is strong, but young. Like a sapling that will grow into an oak. Or an ocean breeze that will turn into a hurricane. Or a little elephant that will become a really big one.
So keep at it I will. And someday I will be that tree, that hurricane, that really big elephant. I can only hope that when I do, I'll still have an adorable snuggly puppy sleeping in my lap.
I am the editor of Boston Review…Junot is a very good guy, not a bullshitter…and you should take his comments as encouraging, just as you are. If he says keep at it, then keep at it.
I've always known you have talent. I'll keep reading too. Waiting to review that novel!