Right Path Real Estate Radio with Tom Perry and the guys of Benchmark, Quest IRA and Noble Mortgage! Get the answer to your question that's keeping you from taking action at succeeding today!
Welcome to the show, Benchmark Insurance. What's going on?
I'm good. How you doing?
I'm doing very well. We were talking a little bit before the show got started. Checks are a flowing now, is that right?
Yes, soon. They are now starting to come around. It's been three to four months. Now, we're starting to see a little progress.
When you stop and think about the scope of the problem, how big and how many people they have to process. It's not like you had three fires in the city and you have all the resources to try. You have thousands and thousands and thousands of claims. First off, the insurance companies have to build the sausage factory because they don't keep excess people. People have to move from Florida, I mean the adjusters, all those folks.
It's fully staff adjusters in the game. You generally only have a team of five to ten inside adjusters that actually make the decisions for the insurance company. Everybody else is staff and they're all contract.
If a big storm like this comes in, if we had more wind damage, which we didn't have that much wind damage, but if we'd had more wind damage then we would have had a lot more claims also. This was really a FEMA issue primarily or private flood insurance. Outside of that, there really weren't many claims except for cars. When it came to cars, you get a USAA or State Farm or Farmers, they have claims adjusting centers. USAA may have three or four guys on staff because people are always getting offender. Those were full-time employees. When you have a major disaster, those four guys, it would take them five or six, maybe ten years to get through that backlog.
You'd have to have a license for the flood.
You can't just hire strangers off the street, " Home Depot folks, come on. Hop in the truck. Let's go and be an adjuster." You got to hire licensed people and there's just not enough going around Houston. I don't think people realize the logistics behind the scene of what actually happens in all the movement of personnel. Most independent adjusters, they work for several different groups. They're all independent contractors, but they're not contracted with one major group.
No. They are everywhere and the minute that Hurricane Irma hit a lot of these guys jumps in.
They left Texas. The claims were going to be bigger in Irma. They do because there are wind claims. When you have wind as one claim and flood as another claim, they get paid off of the size of the claim. That's the thing that people don't realize because a lot of times they think that the adjusters are trying to fight on behalf of the insurance companies, but they're really not. They want to make sure that it's fair for both sides.
Benchmark Insurance: They think that the adjusters are trying to fight on behalf of the insurance companies, but they're not. They want to make sure that it's fair for both sides.
They get rated by the insurance company for paying too much, so they get penalized there. They also get paid a percentage of the overall claim, in tiers, in bonds. It's not like dollar for dollar. It's not like a 10% commission or anything like that, but they get paid in tiers because it's more work.
They're building the full scope so it's about 60 to 70 pages of estimates and pictures, supporting documentations. These are all legal documentation that they may have to be deposed for.
They may have to end up in a courtroom several years down the road. They'd have to be going back two or three years oftentimes. By the time that they would actually get in front of a jury or something like that and they have to be reading their notes because they're not going to remember all that. It's like they're building a legal case on what you are owed. On $100,000 claim, that's a lot of work compared to a $10,000 claim so they get paid more. That's the reason why they get paid more. What's do you see happening in the marketplace? Let's first talk about flood maps. When are flood maps going to be redrawn?
I haven't heard anything. Generally, that takes every bit of six months to a year for the flood maps. They've already started working on different tiers of zones.
In Houston, there's going to be a new zone like for the houses that were not in the 500-year flood zone but got flooded.
Basically the entire State of Texas is a flood zone now and they're basically going to tier it out to where preferred is no longer 500 years obviously, because we've had 500-year flood zone houses all flooded.
Not just flooded but some 500-year flood zone house got seven feet and what's crazy is it's not because of the rainfall. In many cases it was a release of the waterways.
The release of the waterways, the dams and that's the case. There's nothing they can really do about it.
It was four-feet of water. In the grand scheme of things, when you look at how much didn't flood, considering how much rainfall that we had, it's like, they really have done from a city planning standpoint, I'm not a huge fan of the city and all that. I'm not trying to get political about it.
If this had happened in the late 1800s, early 1900s, that much rain, we were a swamp back then.
We've got an investor right now. They're actively buying and they're buying whole properties. The lending rules are changing right now and just like the insurance rules are going to be changing I'm sure. The lending rules are changing, really where they're lending based on cashflow, which is an unusual way. It's also has to match up with the percentage of ARV. It's a pretty unique formula. Which makes sense when you stop and think about if you're doing buy and hold properties that really it's a business at that point, but a single family off of cashflow that, that makes a ton of sense.
This is pre-purchase. Actually, it's based on refinance. Purchased with hard money and then refinance out. What they're really looking at is they're looking at annual rents and then take out a percentage for vacancy, about 5% for vacancy, about 5%t for maintenance. Then take out your taxes and your insurance and then divide that by 1.25 because they want a 25% buffer. That's your monthly debt service that you can have. Do a 30-year mortgage at 5.5%,that tells you about what you can pay for the property for purchase and rehab. You can go above that if you need to and you're going to be out of pocket a little bit so that you can calculate your number right there. Knowing the insurance number upfront is important to do and y'all make that easy. I can put in an address, I can go to InsureInvestors.com.
We have our new design on our website now. You can go into our portal. It's going to give you a lot more of an analysis now. It tells you how risk averse you are based on how much you want to insure your property for and it's providing you with the annual rents in that area. The average rents as well as the appraisal versus your reconstruction cost. Go check it out. It's pretty awesome. Give us any feedback that you can. If you think it's confusing for whatever reason.
Everybody that's been to InsureInvestors.com before or you think you've been there before, you haven't actually been there. Go to InsureInvestors.com and see if we can crash their server. You've got basically a deal analyzer and you're talking about risk and insurance is really all about mitigating risk. What's fascinating to me is new investors, they're so quick to be able to calculate what their returns are going to be, but they're rarely ever calculating what the risk is. If you're not looking at return and risk, you're only looking at one side of the equation. It's really almost like it's a two-sided coin. You're not ever going to grab a coin is a head side only you.
Insurance is all about mitigating risk.
What about the risk? Yeah, you can lose it all. You're just risking everything you put into it. It could be like Enron. Enron had some fabulous returns. Bernie Madoff had some fabulous returns. People in the very beginning, is on paper, they had some incredible returns until the music stopped. They're like, "I wish I'd known. I wish somebody would've said something."That's what we're screaming from the mountaintop is, "Know how to mitigate your risks, the best way to do that." People sometimes do these elaborate corporate structures to mitigate risk. Jason and I talk about all the time, the easiest way to mitigate risk is insurance. Why develop all these LLCs because for each one of those, you have to maintain the corporate documents. You've got to maintain your tax returns and it's like really all that, just for risk management?
It would be a nightmare and then at the end of the day, understand that if in the event that you are getting sued, the attorneys want the low hanging fruit. They want insurance money. They don't want to go after your corporations find where you're storing your money at. It's insured. Make sure you insure the general liability and you'll be fine.
What I love about IUL's product is IUL have really created an insurance product for investors and it's by investors. By investors for investors, so that the people that are in it, they're less likely to utilize the insurance because they understand the big picture. The average person out there, I wish that there was a course in high school taught about insurance, but unfortunately there's not. We spend too much time on Macbeth and Romeo, wherefore art thou Romeo. If we taught insurance, I think people to understand, "It's for catastrophic losses. It's not for old changes on your car. It's for when you get in an accident.
It's not really about fixing your car, it's about the life. It's about the health damage you could do to somebody else."You can break somebody else's neck and that's expensive and you're liable for that if it's your fault on the accident. That's really what insurance is all about and the average person doesn't get that. What I love about IUL's product for investors is the average investor a little bit more financially savvy, they get that. You're going to have a smaller claims ratio. It's fantastic. InsureInvestors.com, Benchmark Insurance, 281-569-4353. Thanks for coming in.
Thank you. I'll see you.
I'm joined by Quest IRA. What's up?
I'm doing great, Anne Marie. What's new in the world of Quest IRA?
We've got a big event that we're planning. We're planning our first ever online boot camp. I'll tell everybody about that and give out some information on how they can register. For those of you that aren't familiar, I'm sure many of you are on the show all the time with Jason and Tom, but basically Quest IRA, we are a self-directed IRA company. If you have an existing IRA or you have some type of employer plan at your job, like a 401(k) or a pension, you can roll those over and start using them in a self-directed IRA and immediately start doing real estate investments. You can lend money out and get a great return. You can also invest into things like private companies too.
If somebody wants to get started, what's the best way to get started with you guys?
For most of our clients, they're moving over an existing account but if you've never had a retirement account before, maybe never worked in a corporate job, you can always set up a new account. It's pretty simple and we don't have any minimums. You can just visit our website at QuestIRA.com and there's an application. This is a new topic. There are lots of education on our website that they can check out and get a feel for us and how the self-directed IRA world works.
Why put off until tomorrow what you should be taking care of today? Take action now. Go to QuestIRA.com. You all have great events as well. I love going even to the Education tab. You've got your blog, you've got an archive of previous classes that you've done. You've got a lot of educational articles about IRAs. You've got information about, there's things you can do and then there's things that the IRS says, "No. That's the prohibited. You can't do that." You talk about prohibited transactions. There's a wealth of information just on your website. That's fantastic.
People hear about self-directed IRAs and sometimes people are intimidated. There's a lot of education that comes with being able to do investments in these types of accounts. We try to break it down and make it as easy as possible. There are plenty of self-directed IRA companies in the industry, but our difference is that we give you that education. We make it understandable, we make it relatable. For that reason, I think that's why people tend to come back to us and keep coming to our classes even if they've already been to a few because you get something new each time.
The alternative that most people have in terms of an IRA is they have it through one of the big institutions like Fidelity or something like that. No one at Fidelity is going to care about your money, like you care about your money. Why outsource that to somebody else that doesn't care like you care? The other thing is that they'll tell you that, "You can self-direct. You can pick from this fund or that fund."It's not just funds that you can pick from. There's a whole plethora of information that you can gather outside of REITs and things like that. You can't invest in individual properties through your IRA in Fidelity like you can with Quest. There are so many more opportunities to invest in your IRA. People don't realize they can invest with their health savings account.
Benchmark Insurance: Health insurance gets cheap if you're responsible for covering the first $100,000.
Most of the time, people just stick that in an account that's earning 1% or 2% or even less. People could actually grow their health savings account. Imagine how much money you could save if you could grow your deductible. I used to sell health insurance and imagine how much less it was. I had people that would buy health insurance with $100,000 deductible because they had $250,000 or $300,000 sitting in their health savings account. Health insurance gets really cheap if you're responsible for covering the first $100,000. It's not the first $100,000 that's going to break most successful people financially, it's the next million, $2 million, $3 million. Some of these diseases you can get nowadays, they are so expensive.
Medical care is so expensive. The great thing about the HSA is eventually you're going to have some type of medical expense, whether it's you get sick and you need to have a surgery or you have some type of terminal illness or disease, or even if it's just something more every day. When I needed to go get some new contacts, I went to get my contacts, I paid for them all completely tax free because I was using my HSA money. Whereas alternatively, I would have just been using my debit card where that's all tax money. It's a no brainer when you look at it like that.
Contacts is a great example, but we're entering cough, cold and flu season right now. People are going to go down and buy NyQuil and if you use your debit card, you're using after tax dollars. When you buy that $10 bottle of NyQuil, if you're in a 30% tax bracket, it costs you $13 for a $10 bottle of NyQuil. Wouldn't it be better to be using pretax dollars instead of after tax dollar? Why not open up an HSA just for the Nyquil's, just for the vitamins that you buy? Buy vitamins with pretax dollars, not post-tax dollars. If you don't have an HAS, I think that that's one of the single best investments that the average American misses out on just throw an extra hundred bucks a month into an HSA and next thing you know, you're able to buy all. If you're just buying your vitamins in your over the counter contacts, things like that, all of those things can come out pre-tax.
Even better, if you're not sold just on, "I get all of these tax benefits for paying for my health expenses."When you're the one that's actually depositing the money in there, you actually get a tax deduction on it as well. When you deposit money in a traditional IRA, you get to take a deduction on your taxes for that year, it works the same way for an HSA. You're getting those up front deductions and whenever you do your investments and you're making your money in there, it's all going back tax free for when you do eventually have some type of health expense. That's one of our favorite accounts because it really does have the best of both sides of the tax benefits.
Then you could actually use that money. Imagine if you put $5,000 into an HSA for example, because you have a $5,000 deductible and now what if can wholesale a house out of an HSA, couldn't you?
I'm going to imagine that if you've got a property under contract for a$500 deposit and then you go and sell that property, and you make a $10,000 assignment fee. Now, your $500 has turned into $10,000 and now you've got a bigger HSA. You can't do that in a traditional has if you've got it at some other account, housing center. You all teach people how to do that. You teach people how to do it the legal way, how to do it the right way so that it's going to keep people out of trouble. Because there's right ways and wrong ways to do those kind of things. I'm sure there are certain things that would be things you'd want to watch out for and stuff like that.
You teach people how to get great returns, but also how to mitigate the risk. We had Benchmark Insurance on right before you. We were talking about everybody wants to calculate the returns, very few people calculate the risk. There are always risks with every investment but what I love about Quest IRA is you all teach both sides of that equation. You all teach how to maximize returns, but also how to limit risks. Now there's risks in every investment, but if you're conscious about it, there's ways to mitigate and minimize that risk. Tell us about your online boot camp?
There's risks in every investment, but if you're conscious about it, there's ways to mitigate and minimize that risk.
We do a lot of education but for the first time ever, we're going to do an online boot camp. We normally do bootcamps in all of our different territories throughout Texas and it's a full day of education. When we fly in people from across the country, you're flying them to all these different events, we thought it would be great if we could do something where we could get even more speakers involved because they can actually just film from the comfort of their home. That's what we're doing. It's all online so you don't have to drive to another city or go sit in a ballroom like many of us do. You can actually just watch from home and tune in at your own convenience.
What's the easiest way to go and register for that event?
QuestIRA.com, 855-FUN-IRAS. Anne Marie, thanks for being on the show.
Joining us, Darel Daik, Noble Mortgage. How are you?
I'm doing good. How are you doing?
I'm doing very well. NobleMoney.com, 713-680-8100 is your number. What's new in the world of financing? I know that most people think that financing doesn't change over time, but it changes a lot. What I realized is the pendulum swings constantly during the marketplace. What's new in the world of Noble Money?
There are just tons of products right now available for investors that weren't available even a year ago. For example, we have an 85% purchase money loan on a conventional basis for investors. They can only put down 15%,that's anew Freddie Mac product that came out . It's constantly getting more aggressive right now because the market's in a good place and there are a lot of tools available for investors to use to get into properties for little to no money down. We do a lot of classes as you know, and what we always try to teach people is you need to learn all the products if you're going to be in real estate because its capital intensive and you better educate yourself so you know how to finance that property once you find it.
Benchmark Insurance: You need to learn all the products if you're going to be in real estate because its capital intensive.
Then the marketplace changed a little bit, no more ducks available and instead of them shifting and saying, "We're no longer looking for ducks. Our new investment criteria is this, they just started with, "There's no ducks out here so I guess we're done." Now, what's happened is that the products have changed and if you're not constantly staying on top of it, it's a little bit like a doctor. Medicine is not done the same way now than it was even done in the 1980s. There are new techniques in orthopedics and pediatric. Every single specialty has new techniques and it's a constant learning thing and every industry is really like that. Engineering for oil and gas is different also.
Finance is no different from all of those in that it's constantly evolving and you've got to stay up with it. You can either do that yourself or you can let the experts at Noble stay up with it and just you explain your investing criteria to them and they can say, "Based on what you're trying to accomplish, this is the best product," and they can explain to you why. People shouldn't be contacting you on a regular basis even if they have a relationship with you, just saying, "What's changing?
People get stuck in their habits, "I've got this private lender for this and this is how I buy," or "I've got this bank and I've been using this bank for the last ten years."Those are all good, but again, they're tools. They're tools that you can use but you got to educate yourself what's available out there. We've had an 80% hard money loan right now. Back in '08, '09, '12, that was 70% all around the board and we'll go up to 80% now. There are always different ways to finance it.
Which doesn't sound like a big deal, but that is huge. Especially for buy and hold investors. It's not as huge I don't think for flip investors, except for the fact that you can stretch a little bit. A lot of people when they, they start buying, everybody knows the 70% minus repairs rule. I can pay cash 70% minus repairs, but that's really more of a lending rule than it is an investing criteria, but they're intertwined. It doesn't necessarily mean that it's a good deal just because you could borrow up to 80%, but it is if it's a buy and hold because you don't have the same expenses on a buy and hold than you do on the flips.
That product is strictly built for buy and hold investors, it's not for flippers because it doesn't make sense.
You're going to lose if you're flipping properties and borrowing 80% minus repairs.
That product is strictly for investors that want to buy and hold. They buy the property at 80% of ARV, get the repairs completed and immediately refinance into a long-term conventional loan which is also at an 80% loan to value. It's a great tool for people to get in with zero money down. If you can buy investment property with zero money down and create a cashflow of $300 to $500 a month. that's a no brainer. You just sit on it and let your tenant pay your mortgage.
Then you're making money in five different ways. You've got the depreciation, you've got the cash flow, and you've got the equity pay-down. It's just on and on and on. It's just a fantastic way to build wealth and that's what we teach. Building wealth and building your income, two ways to make money in real estate. Financing is a major part of that because what I love about this particular industry is that number one, it's a self-collateralizing asset. y having it be a self-collateralizing asset, then you can build and scale and use a tremendous amount of leverage. That's how you grow wealth fast is when you can use leverage. You've probably heard the saying, "Give me a fulcrum big enough and I can move the world."You've got 80% financing for buy and hold and then 80% financing on the cash out. What else?
Give me a fulcrum big enough and I can move the world.
Everything else hasn't changed that much on the conventional side or the hard money side. One thing that we're seeing a lot now obviously is all the flood houses that are coming in. At first, it was people who are a little bit hesitant to jump into that market but no pun intended, we've seen a flood of these flood houses coming in. We've got a lot of good deals out there especially on the buy and hold properties. There's a ton of houses priced at ARV of $100,000 to $150,000 that people are scooping up right now and it's just going to sit o n and you're also starting to see some of these big REITs come in Houston and scooping up these houses.
Where are you seeing the REITs are buying these houses? Are they buying them directly from the sellers or are they buying them at auction?
They meet them everywhere. They don't want to go through a lot of repairs. Some of them are waiting for these flipper guys to purchase them and renovate them and sell them at maybe $0.85 on the dollar. They're very specific in their criteria but I've seen a lot of blast from realtors around town that worked with these REITs and they're just looking to buy as many houses as they can. They typically want a three bedroom, two baths. They will buy a flood house that is not too bad, but three bedroom, two bath, somewhere worth around $80,000 to a $1 50,000 and so that's going to make it a lot more competitive in the marketplace and it's going to be good for Houston, I think.
They're buying mainly off of MLS then if they're working with realtors. Is that right?
Yes or properties that are off market.
A realtor has a pocket listing or something like that?
Yeah, something like that or maybe have investors who's getting out of the real estate field and got ten to twenty houses they want to liquidate and move on. That's going to create a lot. It's going to be good for Houston because we have so many houses right now that needs to be purchased in neighborhoods, entire neighborhoods that had been brought down by the devastating effects of Hurricane Harvey. It's going to be good to get those neighborhoods back up and running. You still have neighborhoods where they're just sitting vacant. Then you have people who are working on their houses and a lot of them are just sitting there. That's just not good.
NobleMoney.com and the phone number there is 713-680-8100. You all do hard money loans. You also do conventional loans. You've been in business since 2003, right?
Yes, since 2003 and we're a little bit different than a lot of hard money and that we don't just only hard money. We do conventional loans for homebuyers. People that look into purchasing a property to live in. We're known for all our investment products, and then we do commercial loans and we just did a nice apartment loan in Montrose. A buy fix and flip on an apartment in Montrose. We've got a lot of loan products out there available.
How many doors was the apartment complex?
The apartment complex was 14 doors.
What kind of cap rate?
I can't remember what the cap rate was on that. It was a high dollar deal. I couldn't believe how much they paid for that property. It's Montrose. It's a double lot but the lot alone is worth a million bucks. Very expensive but you're so insulated from depreciation over there. The values just keep going up and up and up. I think it came in at ARV have $2.2 million or something like that. I was shaking my head, that's for fourteen doors.
They're not making any more real estate that close to downtown and with all the money that's been poured into the downtown area now with the Baseball Stadium and the Rocket Stadium and apparently the baseball stadium is going to be pretty good for awhile, with the world champion Houston Astros. If you work downtown, you want to live close to where you work, all those kinds of things, it's on the right side of downtown. It's on the highly desirable side of downtown. NobleMoney.com, 713-680-8100. How far in advance of finding a property should they contact you? I'm sure a lot of times people will get a property under contract first, then they contact you to try and get approved for a loan. That's out of order especially for investors, isn't it?
Benchmark Insurance: First find out what you qualify for, get the loan setup and then start looking for property.
Yeah. You certainly want to get your financial health in order first. It doesn't take a lot of time or effort to get preapproved and we do that every day. It doesn't cost anybody anything. They can contact us. We'll give them a quick application, get them preapproved. It only takes a day or two. Then they know what they qualify for. They have a letter stating what they're qualified which is going to make the seller take them a little more seriously. We always recommend they do that first, find out what they qualify for, get the loan setup and then start looking for property.
Darel, it's been great having you on the show. NobleMoney.com, 713-680-8100 is their phone number. Check them out. Thanks, Darel.
Why would you not want to come and learn how to talk to sellers? That's one of the biggest areas. There are five main areas that people struggle with in real estate. The first one is how do I find deals? The second one is, how do I analyze the deal? The third is how do I fix the deal? The fourth one is how do I fund the deal? Then number five is how do I dispose of the deal? In other words, how do I get rid of it? One of the major things about finding the deal is learning how to talk to a seller. It's a real skill set. Now, some people are people folks and other people or not, but knowing the right way to talk to a seller s a real skill set that you can learn.
We've bought fixed and flipped over 450 houses in the last three and a half years. I don't know if anybody else has done that many. We obviously have gotten it down to a science of how to talk to a seller. What I recognized is real generational wealth is going to be made by the people that take action over the next six months. If people get into action over the next six months, one of the key things you've got to be able to do is learn how to talk to a seller. Go visit RightPathRealEstate.com. All you have to do is make an effort. That's the number one thing in life is just showing up. Thanks for listening.


text:
Marck Jesus Paguirigan Espejo (born March 1, 1997) is a Filipino volleyball athlete currently playing for FC Tokyo, his second stint in V.League. He is a member of the Philippines men's national volleyball team and played collegiate volleyball with Ateneo de Manila University.

Career

Youth
Espejo studied at the Santa Elena High School - Marikina. While playing for his secondary school, Espejo bagged the Best Attacker awards in the 2012 Palarong Pambansa, 2011 National Milo Little Olympics Championship, 2012 and 2013 NCR Volleyball Regional Meet.

Collegiate
As a multi-awarded high school volleyball player, he was recruited by Ateneo De Manila University to play for its men's varsity volleyball team. Espejo won the 2014 GUIDON-Moro Lorenzo Sportsman of The Year award.

UAAP
In the University Athletic Association of the Philippines (UAAP) Volleyball Championship, Espejo led Ateneo's team to win three consecutive championships from UAAP Season 77 to UAAP Season 79.

In UAAP Season 76 where Ateneo finished as runner-ups, Espejo was hailed as the Rookie of the Year and Season's MVP while in UAAP Season 77 as Best Attacker and Season's MVP. In UAAP Season 78, he received three awards: Best Attacker, Best Server, and Season's MVP. Espejo also bagged the UAAP Season 79 Best Scorer, Best Attacker, and Season's MVP. He ended his UAAP stint with Ateneo in 2018 with a loss to the National University in the final of UAAP Season 80. And  Espejo makes a historic 55-point game on UAAP Season 80 Semifinals against FEU.

Spikers' Turf and PVL
He also led Ateneo in bagging the championship title in Spikers' Turf 1st Season Collegiate Conference, Spikers' Turf 2nd Season Collegiate Conference, and Premier Volleyball League 1st Season Collegiate Conference in addition to the Premier Volleyball League Collegiate Conference championship.

In the Spikers' Turf 1st Season Collegiate Conference 2nd Best Outside Spiker, Conference and Finals MVP, Spikers' Turf 2nd Season Collegiate Conference 1st Best Outside Spiker and Conference MVP, and 2017 Premier Volleyball League 1st Season Collegiate Conference 1st Best Outside Spiker, Conference and Finals MVP. He was also awarded as the 1st Best Outside Spiker in the Spikers' Turf 1st Season Open Conference.

Club career

Philippines
Espejo helped the Cagayan Valley Rising Suns in snatching the bronze medal in the Cagayan Friendship Games and silver medal in the Spikers' Turf 1st Season Open Conference in 2015.

Following the end of his UAAP stint with Ateneo, Espejo was set to play for Cignal HD Spikers in the men's division of the 2018 Premier Volleyball League Reinforced Conference.

Oita Miyoshi Weisse Adler
In May 2018, Espejo received an offer to play for a team in Japan. On May 27, it was announced that he has officially signed to play for the Japanese club, Oita Miyoshi Weisse Adler. He was recommended by Godfrey Owese Okumu, the coach of the University of the Philippines' women's team.

Visakha
In December 2019, Espejo joined Visakha of the Volleyball Thailand League. He debuted for the club in January 2020.

Bani Jamra
Espejo moved to Bahrain in November 2020 to play for Bani Jamra of the Isa bin Rashid Volleyball League. He moved back to the Philippines after his contract with Bani Jamra ended on January 30, 2021. He helped his team finish sixth in a league of six teams in the 2020–21 season.

FC Tokyo
Espejo returned to Japan, after he was signed in to play for FC Tokyo for the 2021–21 season of V.League.

International
In 2015, he was chosen member of the Philippine national team.

Clubs
  Cagayan Valley Rising Suns (2015)
  Cignal HD Spikers (2018–2019)
  Oita Miyoshi Weisse Adler (2018–2019)
  Visakha (2019–2020)
  Bani Jamra (2020–2021)
  FC Tokyo (2021–present)

Awards

Individuals
 2012 Palarong Pambansa "Best Attacker"
 UAAP Season 76 "Rookie of the Year"
 UAAP Season 76 "Season's Most Valuable Player"
 UAAP Season 77 "Best Attacker"
 UAAP Season 77 "Season's Most Valuable Player"
 2015 Spikers' Turf 1st Season Open Conference "1st Best Outside Spiker"
 2015 Spikers' Turf 1st Season Open Conference "Conference Most Valuable Player"
 2015 Spikers' Turf 1st Season Collegiate Conference "Conference Most Valuable Player"
 2015 Spikers' Turf 1st Season Collegiate Conference "Finals Most Valuable Player"
 2015 Spikers' Turf 1st Season Collegiate Conference "2nd Best Outside Spiker"
 UAAP Season 78 "Best Attacker"
 UAAP Season 78 "Best Server"
 UAAP Season 78 "Season's Most Valuable Player"
 2016 Spikers' Turf 2nd Season Collegiate Conference "Conference Most Valuable Player"
 2016 Spikers' Turf 2nd Season Collegiate Conference "1st Best Outside Spiker"
 UAAP Season 79 "Best Attacker"
 UAAP Season 79 "Best Scorer"
 UAAP Season 79 "Season's Most Valuable Player"
 2017 Premier Volleyball League 1st Season Collegiate Conference "Finals Most Valuable Player"
 2017 Premier Volleyball League 1st Season Collegiate Conference "Conference Most Valuable Player"
 2017 Premier Volleyball League 1st Season Collegiate Conference "1st Best Outside Spiker"
 UAAP Season 80 "Best Scorer"
 UAAP Season 80 "Best Attacker"
 UAAP Season 80 "Best Server"
 UAAP Season 80 "Season's Most Valuable Player"
 2018 Premier Volleyball League 2nd Season Reinforced Conference "Conference Most Valuable Player"
 2018 Premier Volleyball League 2nd Season Reinforced Conference "1st Best Outside Spiker"
 2019 Thailand Open Sealect Tuna Championships "2nd Best Outside Spiker"
 2019 Spikers' Turf Reinforced Conference "Finals Most Valuable Player"
 2019 Spikers' Turf Reinforced Conference "2nd Best Outside Spiker"
 2019 Spikers' Turf Open Conference "Finals Most Valuable Player"
 2019 Spikers' Turf Open Conference "2nd Best Outside Spiker"
 2022 Spikers' Turf Open Conference "1st Best Outside Spiker"

Special Recognitions
 2014 GUIDON-Moro Lorenzo Sportsman of The Year
 2018 PSA Annual Awards Mr. Volleyball
 2019 PSA Annual Awards Mr. Volleyball

Club
 2015 Cagayan Friendship Games -  Bronze medal, with Cagayan Valley Rising Suns
 2015 Spikers' Turf 1st Season Open Conference -  Silver medal, with Cagayan Valley Rising Suns
 2018 Premier Volleyball League 2nd Season Reinforced Conference -  Silver medal, with Cignal HD Spikers
 2019 Spikers' Turf 4th Season Reinforced Conference -  Champions, with Cignal HD Spikers
 2019 Spikers' Turf 4th Season Open Conference -  Champions, with Cignal HD Spikers

National
 2019 Thailand Open Sealect Tuna Championships -  Bronze medal
 2019 30th Southeast Asian Games -  Silver medal

References

External links

Ateneo de Manila University alumni
Filipino men's volleyball players
University Athletic Association of the Philippines volleyball players
Living people
1997 births
People from Marikina
Competitors at the 2019 Southeast Asian Games
Southeast Asian Games medalists in volleyball
Southeast Asian Games silver medalists for the Philippines
Filipino expatriate sportspeople in Japan
Filipino expatriates in Bahrain
Filipino expatriate volleyball players
Outside hitters
Competitors at the 2021 Southeast Asian Games

redpajama_set_name: RedPajamaWikipedia


text:
4:42 pm - Friday January 16, 1660
Ethiopian government signs deal with Oromo rebels to end hostilities - Reuters
Aaron Maasho
ADDIS ABABA (Reuters) – Ethiopia's government has signed an agreement to end hostilities with the Oromo Liberation Front, which it had previously declared a terrorist movement, state television reported on Tuesday.
The deal appeared another step in a drive by Prime Minister Abiy Ahmed to improve security and diplomatic relations, reform institutions and open parts of the state-controlled economy.
Since the 1970s, the rebels have fought a low-level insurgency for self-determination for the Oromiya region, which is Ethiopia's largest and home to the Oromo ethnic group.
The OLF was initially part of a transitional government set up in 1991 by rebels from the EPRDF coalition who had driven Mengistu Haile Mariam from power, but they soon fell out with the coalition.
On Tuesday, the government signed a reconciliation agreement to end hostilities with the OLF's exiled leader Dawud Ibsa, who lives in exile in Asmara, the capital of neighbouring Eritrea, said Eritrea's Information Minister Yemane Gebremeskel.
"The agreement further states that … the OLF will conduct its political activities in Ethiopia through peaceful means," he said on Twitter. The deal was signed in Asmara.
The group declared a unilateral ceasefire last month after parliament removed it from a list of banned terrorist groups that it had been part of since 2008.
Abiy took office in April and his reforms have included extending an olive branch to dissidents overseas.
He has also acknowledged abuses by security services and ended a military stalemate with Eritrea that followed a 1998-2000 border war in which 80,000 people are thought to have died.
Editing by Matthew Mpoke Bigg
Filed in: Current Affairs / News

redpajama_set_name: RedPajamaCommonCrawl


Alexander the Great : Is there any favour I might do for you?
Diogenes of Sinope : Yes, stand out of my light.
Alexander : Aren't you afraid of me?
Diogenes : Who are you? good or evil?
We may also mention a spatial Laissez-faire. This notion refers at the same time to the impact of economic Laissez-faire upon physical environments as well as the attitude that seeks to reduce planning to a strict minimum. Spatial (or urban) Laissez-faire usually results in extreme fragmentation of urban space, in widespread discontinuity, in a dissolution and disappearance of public space. As architects and designers, but also as simple citizens, overwhelmed by the economic disparities which have become endemic in our contemporary societies, we can unfortunately only assess the damage of this phenomenon.
The compatibility of the Laissez-faire idea with Ecology creates an issue and presents an inherent paradox. It can be perceived as Ecology's most ferocious enemy, for it allows an uncontrolled consumption of territories and resources by irresponsible and often irreversible developments ; it can also be perceived as the very idea of Ecology, considering that man is a part of his own natural ecosystem and that his frenetic agitation participates in the game of species. Keynes himself emphasised the inf luence of darwinist theories upon Laissezfaire economists, according to which free competition built London, free competition had even built man. 3 This paradox troubles the natural architectural tendency towards interventionist planning. Although contemporary territories prompt feelings of dysphoria 4, where apparent disorder materialises the failure of a spatial project, most of contemporary architects will agree with the idea that most of the time interventionist planning does not seem to work, in any case not in liberal societies.
In this coming together of economy and space, we are often victims of our cultural compulsion to distinguish Cosmos and Chaos, respectively in terms of absolute order et disorder, sense and nonsense. If, on one hand, planning expresses the desire to find a geometrical extension to the clarity of ideas, the Laissez-faire expresses itself passively, as a form of apathy receiving everything indifferently, without order nor hierarchy. In the effort of synthesis, that architects, planners, and other stakeholders do daily, we can notice a look for compromise, where the Laissez-faire is a part of the project that one has to give away, in sacrifice to the market, deprived of any aesthetic or intellectual value, a business issue and not an architectural one.
The following examples, will try to sketch some possible active values of Laissez-faire, without for all that advocate for it. In order to go beyond the simple rejection of an economic approach that have been dominant in the last thirty years, it seems important to put forwards the beauty and pertinence of it as a philosophical attitude that implies a certain relation to the world and to things. It's not about judging the pertinence of the forces in presence, to whom we might laisser faire, but the philosophical attitude (the disposition) of the one that laisse faire, that is to say not to discuss the pros and cons of it as an approach, but its intellectual value for the project.
The word authority stands for the power to act on one other. Parental authority, which is nowadays often considered as a necessary frame for the child's evolution is categorically rejected by Neill as oppressive power. « Why should a child obey ? My answer is : He must obey to satisfy the adult's desire for power. » 10 The child's obedience is necessary, according to him, for commodity reasons, so that the parents can have some peace, as evoked by this too familiar phrase : go and see what baby is doing and tell him he mustn't.
Neill was nonetheless not an anarchist theoretician, but a practitioner educator who had to daily cope with dozens of frenetic children for more than 50 years. Obedience is necessary at Summerhill as everywhere else, but it's a courteous obedience, « it must come from within – not be imposed from without ». 11 Following this idea further, Neill puts a clear limit between liberty and anomie. 12 Thus, Saturday evenings are reserved to general assemblies. During these meetings, presides over by an elected pupil, children expose their problem and issues, debate, elaborate common rules. In this assembly, neither Neill's voice nor any other adult's one weights more than a child's voice. Similar activities, like theatre, help to maintain a strong social structure without using authority.
However, beyond some clear similarities with the pop culture of the 60's, this sensitivity also ref lects a premonitory vision of the increased role of mobility and it's capacity to jeopardise spatial planning. They noted that « as people become richer they demand more space ; and because they become at the same time more mobile, they will be more able to command it. They will want this extra space in and around their houses, around their shops, around their offices and factories, and in the places where they go for recreation. To impose rigid controls, in order to frustrate people in achieving the space standards they require, represents simply the received personal or class judgements of the people who are making the decision. » 27 This coexistence of mobility and individual liberty on one hand and the call for restraint on the other, seems close enough, once more, to that of tranquillity in disorder.
We might today reproach Non-plan, as A.S. Neill, for a certain libertarian naivety, not devoid of arrogance, characteristic of the European left of that period : « The characteristic tone of the 60's was that of overweening confidence : we knew just how to fix the world. It was this note of unmerited arrogance that partly accounts for the reactionary backlash that followed. » 30 We might equally note, as Benjamin Franks,31 the numerous shared features between Non-plan and the economic theories of Friedrich Hayek and the New Right despite the four authors' left wing affiliation. Nevertheless, the experimental spirit that Non-Plan brought out seem to have been disappeared from our contemporary universe while probably we would highly need it today.
In his essay, The End of Laissez-Faire, Keynes does not entirely reject liberal thinking. However, he doubts the capacity of liberalism to find solutions in a period of economic and social insecurity, because « insecurity breeds fear – fear of change, fear of decline, fear of strangers and an unfamiliar world – is corroding the trust and interdependence on which civil societies rest. » 32 In his economic writings Keynes focused on the problem of uncertainty. The most difficult role of public authority, according to him, is to know where one should intervene and where one should laisser-faire : « the important thing for Government is not to do things which individuals are doing already, and to do them a little better or a little worse ; but to do those things which at present are not done at all ». 33 Keynes insists on the fact that his interventionist propositions are not, in any case, incompatible with what seems to be for him the principal motor of the economic machine, namely individual's desire to make money. Their necessity, however, lies on ethical needs as much as on economic ones. Instead of searching for a synthesis between liberalism and socialism, Keynes tries to think both of them simultaneously as a dynamic opposition, potentially complementary.
The interwar years, during which Keynes wrote his text, resembles the period of uncertainty that we live through today. An uncertainty that forces us to think the two ideas, apparently opposed, at the same time. It's precisely at the moment of coexistence of abyssal public debts on one hand and ethical interrogations on the other, that we might meditate radically, experimentally and non-ideologically upon Laissezfaire and planning, soft and hard.
1. quoted by Diogenes Laërtius.
2. John Maynard Keynes, The End of Laissez-faire. (Marseille : Agone Éditeur, 1999), 17.
4.opposed to euphoria, dysphoria describes a state of psychological unease, dominated by the feeling the things are not in place.
5. Alexander Sutherland Neill, Summerhill: A Radical Approach to Child Rearing. (Oxford : Hart Publishing Company, 1960), 80.
7. Summerhill school still exists and functions today ; it is actually headed by Zoe Readhead, A.S. Neill's daughter.
8. Jean-Claude Filloux, Tolstoï Pédagogue. (Paris : Presses universitaires de France, 1996), 87.
12. anomie is the disintegration of norms that regulate human behaviour and insure social order.
14. Lao-Tze, Tao Te Ching. (Paris : Gallimard, 1967), 122.
15. Roland Barthes, The Neutral, Lecture Course at the Collège de France, 1977-78. (New York : Columbia University Press, 2005), 176.
17. Jean Grenier, L'esprit du Tao. (Paris : Flammarion, 1973), 116-117.
21. Yang-Tchou enacted the rules of behaviour (based on Wu-wei) : Do nothing evil, for fear of being punished ; do nothing good, for fear, having acquired a good reputation, of being charged with time-consuming and dangerous functions... Act as if you were good at nothing.
24. Cedric Price, Life-Conditioning in AD, october 1966.
25. Reyner Banham, Paul Barker, Peter Hall, Cedric Price, Non-Plan: An Experiment in Freedom in New Society n° 338. 20 March 1969, 435.
30. Tony Judt, Ill Fares the Land. (New York : The Penguin Press, 2010), 21.
31. Benjamin Franks, New Right / New Left in Non-Plan, Essays on Freedom Participation and Change in Modern Architecture and Urbanism. (Oxford : Architectural Press, 2000), 32-43.
33. Keynes, The End of Laissez-faire, 30-31.
34. John Cage. For the Birds. (Londres : Marion Boyars, 1976), 198-199.
This article was originally published in San Rocco # 10, «Ecology», Winter 2014.
Ido Avissar is the founder of LIST (www.list-oia.com), a Paris-based architecture, urban planning, and research office founded in 2012. Working mostly on large scale and territorial questions, LIST is in permanent search for a neutral position. Neutrality does not mean compliance but maximum receptivity. A quest for an accurate interaction with the present, attentive and non-arrogant.
Avissar previously worked for several years for Bernard Tschumi architects and l'AUC. He is also a former co-founder and partner of Grau (www.grau-net.com), a regular contributor to the San Rocco magazine, and is currently teaching at the Ecole Nationale Supérieure d'Architecture de Versailles and at The Berlage in Delft.


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SC Football Hall of Fame adds five more (AUDIO)
By Phil Kornblut / April 24, 2019 April 24, 2019 / Uncategorized / Leave a Comment
Former Clemson star QB Steve Fuller signing autographs prior to Tuesday's induction ceremonies
The South Carolina football Hall of Fame Tuesday night in Greenville welcomed its seventh class of inductees. The new members are former USC defensive back Bobby Bryant, former Clemson quarterback Steve Fuller, former Spartanburg running back Stephen Davis, former Greer lineman Steve Greer and former Erskine fullback Dode Phillips.
Also honored Tuesday night was Clemson running back Travis Etienne who was named the state's college player of the year.
SportsTalk was on site Tuesday night for the festivities which included interviews with Bryant, Fuller, Davis and Etienne.
Bobby Bryant
https://sportstalkradionet.com/wp-content/uploads/2019/04/Bryant.mp3
https://sportstalkradionet.com/wp-content/uploads/2019/04/Fuller.mp3
https://sportstalkradionet.com/wp-content/uploads/2019/04/Davis.mp3
Travis Etienne
https://sportstalkradionet.com/wp-content/uploads/2019/04/Etienne.mp3
#STRecruiting: QB Hunter Johnson returning to #Clemson for final season January 17, 2022


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Find Trails > California > Grass Valley > Grass Valley Bike Trails
Grass Valley, CA Bike Trails and Maps
Looking for the best Bike trails around Grass Valley?
Find the top rated bike trails in Grass Valley, whether you're looking for an easy short bike trail or a long bike trail, you'll find what you're looking for. Click on a bike trail below to find trail descriptions, trail maps, photos, and reviews.
American River Bike Trail (Jedediah Smith Memorial Trail)
Bannon Creek Parkway
Dry Creek Greenway (Roseville)
Dry Creek Parkway
El Dorado Trail
Folsom Parkway Rail Trail
Folsom South Canal Recreation Trail
Humbug-Willow Creek Trail
Johnny Cash - Folsom Prison Blues Trail
Lake Natoma Trail
Mather Heritage Trail
Miners Ravine Trail
Natomas Westlake Path
Natomas Westside Path
Ninos Parkway
North Natomas Park Network Trails
Oak Parkway Trail
Paradise Memorial Trailway
Sacramento Northern Bikeway
Sacramento River Parkway Trail
Sunrise Bikeway
Sutter Commuter Bikeway
Tahoe Trailways Bike Path
Truckee River Legacy Trail
Two Rivers Trail
Union Valley Bike Trail
The American River Bike Trail (a.k.a. the Jedediah Smith Memorial Trail) hugs the banks of the American River as it flows through riparian habitat preserved by the American River Parkway. The trail...
The popular Bannon Creek Parkway runs through Jefferson Park and Bannon Creek Park, utilizing a scenic greenbelt throughout most of its length. South Natomas residents can use the trail and Natomas...
Roseville's Dry Creek Greenway is planned to one day span 4.25 miles through the southern neighborhoods of this central California town. Currently, just shy of a mile of the paved pathway has been...
The Dry Creek Parkway is an enjoyable cycling and walking corridor through northern Sacramento County and southern Placer County that includes trails, parks and open space along Dry Creek. Currently,...
Passing through California's historic Gold Rush country, the El Dorado Trail runs more than 35 miles from Camino west to the line between El Dorado and Sacramento counties, just south of Folsom. The...
The Folsom Parkway Rail Trail extends from historic downtown Folsom to a connection with the Lake Natoma Trail north of US 50. The trail provides a direct connection to three light rail...
The Folsom South Canal Recreation Trail provides a useful connection from southeast Sacramento County to the American River Bike Trail. The canal was constructed in the 1970s as part of the Central...
The Humbug-Willow Creek Trail is really a collection of multi-use trails in the city of Folsom, about 32 miles' worth, and more are planned. The trails snake throughout the city, between Folsom Lake...
The Johnny Cash - Folsom Prison Blues Trail skirts the Folsom State Prison, which Cash sang about in his well-known 1955 song "Folsom Prison Blues." The trail—formerly known as the Folsom Lake Trail...
Although most area residents (and Google Maps) consider the Lake Natoma Trail part of the American River Bike Trail, it is a separate trail in its own right. The Lake Natoma Trail dips and dives...
What do you do when you have a disused railroad, and a nearly impassible highway? Rail-trail advocates in Rancho Cordova recognized the potential to solve these challenges as well create new...
The Miners Ravine Trail winds its way through the city of Roseville, following the course of Miners Ravine and Dry Creek through a wooded greenway and among suburban neighborhoods and business...
Located in a quiet residential neighborhood, the Natomas Westlake Path runs along the shoreline of its namesake lake in the growing Natomas section of Sacramento. While the northern stretch of trail...
The winding Natomas Westside Path provides a connection from Sacramento's growing North Natomas community to South Natomas and the American River Bike Trail, largely facilitated by the installation of...
The paved trail at the heart of the developing Ninos Parkway uses a utility corridor to connect Sacramento's Northgate neighborhood with city parks, schools and the American River Bike Trail. Plans...
A collection of neighborhood trails in Sacramento's North Natomas community offers convenient access to parks, schools and shopping centers for local residents and visitors. Most are well connected,...
The Oak Parkway Trail covers just over 2 miles across Folsom, a suburb of Sacramento, providing an important connection between the eastern and western halves of the city. The tree-dotted pathway...
Located in the Sierra Nevada foothills, Paradise, California, is a warm and inviting city with a small-town feel, and this trail offers visitors the perfect way to see it. You can start at either end;...
Follow the Sacramento Northern Bikeway for a tour of Sacramento and its surrounding communities, weaving through historic neighborhoods and parks and finishing in a scenic rural area. The paved trail...
Hugging the eastern bank of the Sacramento River, the Sacramento River Parkway Trail travels through Sacramento in two disconnected segments. The older and longer northern stretch passes through Old...
The Sunrise Bikeway is a short but important commuter route in the suburbs of northeast Sacramento, linking neighborhoods with businesses and providing an off-road route that parallels busy Sunrise...
The Sutter Bike Path follows a short portion of the old Sacramento Northern Railroad and runs a straight line between Hooper Road and Acacia Avenue. The trail links to bike lanes at Hooper Road, which...
The Tahoe Trailways Bike Path meanders along the west shore of Lake Tahoe in California. From a hub in Tahoe City's 64-Acres Park, the system branches out with three paved legs, reaching Dollar Point...
The Truckee River Legacy Trail follows the river's south side, providing scenic views and access to two recreational amenities: Truckee River Regional Park and Riverview Sports Park. The paved trail...
The Two Rivers Trail runs adjacent to the American River and connects Jibboom Street and State Route 160 in the redeveloping northern reaches of downtown Sacramento. It provides a connection to the...
The Union Valley Bike Trail is a two-lane, paved route that connects the campgrounds on the east side of Union Valley Reservoir in the Eldorado National Forest. The trail skirts the shores of the...
CA - 5.8 miles
CA - 4 miles
CA - 15.5 miles
CA - 18 miles
More Grass Valley bike trailsView Fewer Grass Valley bike trails
More Grass Valley walking trails View Fewer Grass Valley walking trails
CA - 4.65 miles
More Grass Valley running trailsView Fewer Grass Valley running trails
El Dorado Trail & Placerville Trail
July, 2019 by chris180
When you experience this trail you first need to realize it is actually about 37 miles long but is longer than that to Folsom or to Tahoe (Epic Trail System). That said, the El Dorado Trail is a "trifecta of trails" with rail, earthen trail and Class I bike path under construction. This is the goal of the entire corridor to the El Dorado County line BECAUSE it is the goal of the organization that manages it, the SPTC JPA.
The El Dorado Trail or Gem of the Western Sierras, is a rough, somewhat untamed trail testament to the folks who built it and many with legacy family members in the area. In fact, many with less than 75 years in the are do not know about the EDT. Come out and ride the rail now in Shingle Springs in the depot at Sam's Town Cyclery or rent bikes to ride the earthen trail. You can also ride the rail in El Dorado and soon they will have a Class I (ADA approved) bike path along with improved earthen trail.
The Placerville Trail (Missouri Flat to Camino) is great with some nice views and the tressle bridge over Weber Creek. However, watch out for cars and homeless in Placerville. Making way out of Placerville you can get to Camino with a little bit of a climb (estimate 600').
In the next few years projects will start to build the Class I trail next to the rail and hopefully we will see connects to Cameron Park, El Dorado Hills and Folsom.
Oh yeah, wildlife are plenty on the EDT having seen over the years many deer, fox, skunk and even a mountain lion!
Work in Progress and Gorgeous
June, 2019 by iomgdiot
Started 7:00am on trail and it was a challenge through some of the obstacles... freeway construction zone, Saturday Farmers Market, Gold Rush festival but that was the easy stuff. Problematic areas began after Missouri Flat Road / Walmart. Here the trail was either rocky, on an edge next to tracks or on the tracks. At least the worst was riding on tracks which is ok if you have good dual suspension and are dialed in. Views were awesome, no loose dogs, trails were challenging at times. We eventually abandoned the rails due to low air and low water I'd do it again but start in Camino and end in Walmart.
IQ Test Hieroglyphics for Pedestrians & Bicyclists.
May, 2019 by paradisesean
The main problem with the trail are the folks that cannot figure out the little stick figures (and text) painted on the pavement surface at most major crossings.
The pedestrian figure and the bicyclist figure are obviously travelling in the same direction of travel---pedestrian limbs and leaning into the walk, bicycle sitting on the bicycle facing forward. Pedestrian is on the left side of the trail as you read the right-side up text, "Left", and the bicyclist is on the right side of the trail as you read the "Right" text.
All the clues are there, but so many people don't seem to figure it out, so it is a bit annoying to have to go around them as they walk towards you on the trail.
Short ride, nice experience....
December, 2018 by h3liflyer
I am new to the Yuba City area and found this trail. It was not far and even though it was a Sunday it was pretty quiet. It is a good short trail with a great view.
Great for bikers or walkers
July, 2018 by svanarts
Beautiful scenery and an easy walk. We didn't see anyone on the trail the whole day we were there until we were walking back. There were lots of people in the campgrounds and on the lake though.
Possibly the best trail in Sacramento - if you don't get lost!
June, 2018 by moontimber
The Traillink information is a little dated. The official Folsom site lists this trail as being 50 miles long, which is accurate but misleading. There are at least 50 miles of trails but it's a bunch of interconnected short trails and not one long route.
These trails are the craziest maze of paved trails I've ever been on. There are very few signs telling you where you are or which way to travel to get to a particular section or street, so if you decide to ride this trail take your GPS with you and a copy of the bike trail map or you will get lost. I took my family during the summer of 2017. We had a GPS and a printed map and we still took several wrong turns.
Even though you're probably going to get lost, it's well worth the trip. The trail meanders through apartment complexes from time to time, but you're generally surrounded by great scenery. We passed several ponds and creeks, and crossed over several scenic bridges. Folsom is a bike friendly community, and is safe enough that we weren't nervous after dark. If you can figure out where you are, there are plenty of places near the trail to get a meal. We found a few restrooms along our route and used the GPS to find food. Restaurants with outdoor tables and bike racks are a common sight in Folsom.
There aren't any towering hill climbs, but there were a few segments that were steep enough that I had to tow my five year old. If you're traveling with toddlers you should talk to a local bike shop to find an easy section. We didn't encounter anything that our nine year old couldn't handle.
I live near Discovery park, which is where the American River / Jedediah Smith bike trail starts. That trail connects to this trail system somewhere around mile marker 25. I usually pedal from Discovery park with my kids, so I don't think I've pedaled more than half of what's currently available in this trail system. As a result I can't vouch for every inch of it. However, the sections I have traveled are good enough that I would not hesitate to drive for three hours to come ride this trail if I wasn't local.
Not worth the effort yet
I tried this with my young kids in 2016. We started in Discovery park on the Jedediah Smith (American River Bike trail) , biked down to old Sac on the Sacramento River Bike Trail where we had some ice cream cones, and on the way back to Discovery park we decided to take this trail to 12th street, take the 12th street bridge (N Sacramento FWY) over to Northgate blvd and get back on to the Jedediah Smith trail.
The trail itself is in good condition and connects up to several other glorious area trails. It's paved the whole way with a few dirt spurs that go down to the river's edge and fairly open.
I don't know where the photo that's featured for this trail was taken as I didn't see anything remotely similar on our route. There were a lot of homeless folks camped out along the route, and very few of the regular bikers and hikers that you normally see on the other trails. Getting off on 12th street was hair raising with little kids in tow, and there isn't a connector to put you back on the American River bike trail on the other side of the bridge, so if you don't know where you're going you might get lost and end up in a homeless camp.
If you're with a few buddies and it's still broad daylight, then it might be worth doing. Unfortunately, the trail gets very little traffic right now (so the police rarely patrol it) and it really doesn't go anywhere. If they ever build the trail out to the University it will might probably become a great trail. As of spring 2018 it's really not worth riding this trail even if you live here.
Great trail for road bikes
June, 2018 by cq8921483
This is a great trail that is a smooth ride with many benches and stopping points along the way, even a few restrooms as well. People are decently considerate on the trail but you will have the occasional "tour de Sacramento" guy going way too fast.
Also if you are a mountain biker steer clear, the Park Rangers do not mess around here and you don't want to be caught off the paved trail, there are many off road paths along the route but strictly no bikes on that part.
Beautiful hike, but!
March, 2018 by delimashariff
It's such a beautiful trail. My only concern is that the dogs are not on leashes, they are allowed to run around freely. Yes they are adorable, playful whatever, but they have teeth!
Smooth and remote
March, 2018 by jamessink
If you are looking for a smooth ride without a lot of traffic, this is your trail. The first half near lake Natoma has been freshly repaved and is billiard table smooth. The two street crossings have signals but other than those, it's a great path for fast riding.
Very level ride.
December, 2017 by johnd01
I ride form the North end of the trail. Most riders do not go south of CA16, Jackson Rd. The channel is cut to a very flat slope, and the train follows that slope almost all the way to CA16.
There are sections below grade where the sun and wind do not go in late afternoon. If you are looking for a place to practice your speed riding this is one of the best. It is a great tie-in with CA16 which has wide bike lanes for all but a short section at Rancho Murieta to CA49.
Ride 10.5 miles from Nimbus Fish Hatchery to Ca 16. Take Ca16 East to Plymouth for an extra 25 miles
Back to the South end of Folsom South Canal. At times there is water in a ditch you can ride through just South of Ca16, You need to lime over or under the gate at Sloughhouse Rd. There is more water to cycle through where the canal goes under Dear Creek, but when you get to where the channel goes under the Consumes River, you may have to swim. The river is about 120 feet wide, and the canal is underground for approximately 700 feet. There are about 450 feet of field between the river and the next section of the channel.
You should be able to go East on Ca16 for 4.5 miles, turn South on Dillard Rd for 3.8 miles and pick up the canal again but you cannot quite get to Twin Cities Rd.
My first love trail!
October, 2017 by cherlynortiz
Love this trail! Absolutely gorgeous and serene,


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3.20 The Final Frontier
Posted by alaskanriviera June 17, 2014
Episode: 3.20
Title: The Final Frontier
Written by: Jeffrey Vlaming
Directed by: Tom Moore
Aired: April 27, 1992
Log line: Much to Holling's dismay Ed discovers that Jesse the bear has died; Japanese tourists infiltrate Cicely; a package that has traveled the world arrives in Cicely addressed to an unknown person.
Listen to our podcast discussion of the episode here.
Death. Exploration. Adventure. The episode "The Final Frontier" is all about the big ideas, the things that move a society forward and compel it to greater heights, or as Chris says (of curiosity), "It's the fire under the ass of the human experience." Each of the three stories – Jesse the Bear, Maurice, the package – tells us of the big and small ways in which we are surrounded by a sense of wonder and awe, like how Holling rediscovers the spirit of Jesse through putting himself in life-threatening situations, or how Maurice's fantastic space adventure is relived by a group of Japanese tourists, or how all of the townspeople of Cicely would risk breaking US federal law just to see what's inside a mysterious package.
Angles To See From
The framing of many of the shots convey how objects can become bigger than life. The package addressed to the unknown Richard McWilliams is just a box, but becomes the symbol for a human being's innate curiosity and consequential drive towards progress. The skeleton of Jesse the bear literally towers over everyone, but it is ultimately the idea of Jesse that is the biggest thing of all. It's interesting that these ideas are translated visually by foregrounding the two objects.
The camera angle makes Jesse loom over both Holling and Shelly:
The rib cage of the bear is in the foreground, quite literally surrounding Holling.
Similarly, the package is often shown in the centre, in the foreground of scenes:
The package is filmed from a lower angle to appear huge.
For the group of visiting Japanese tourists, Maurice is the object of admiration and awe. Interestingly, in these scenes between the group and Maurice, he is often elevated, so the visitors are literally looking up at him. (The difference in height levels is echoed in the scenes involving Jesse the Bear's skeleton.)
Here Maurice is standing on the step leading to his KBHR office. Although slight, the effect is Maurice being on a pedestal.
When the visitors visit Maurice's home, the difference in levels is much greater:
The difference again occurs during Maurice's talk at The Sourdough Inn, where Maurice is standing while the guests are sitting on the floor:
An End and a Beginning
In both the stories of Jesse and the package, we get beginning scenes that echo the end scenes of the episode. The end recalls the beginning in quite an uncanny way, and serves to visually end the episode strongly and cohesively.
With the package, we get near identical shots of Ruth Anne's hands touching the box's label:
With the story of Jesse, when Holling and Ed go to see the bear's bones early in the episode, the movement of the camera goes from a low shot to a high, overhead shot:
The final scene of the episode takes place in the same location, but this time the movement of the camera is reversed: first, an overheat shot, then a low level shot:
Themes / Recurrences: Death; curiosity; adventure.
The Good: We love the return of Jesse, and while we are sad that he has died, we are happy to learn that his spirit can be found everywhere if you go out and look for him. We also love Ron and Eric, who are really wonderful.
The Bad: The package, though interesting, seems a bit too contrived. Even in the often magical world of Northern Exposure, the story of the package seems a bit far-fetched.
The Notable: Strangely enough, the man who Holling has an argument with over Jesse is wearing a very similar looking shirt to Holling. What might this mean?
On's rating: 8.0 out of 10.
Shane's rating: 7.5 out of 10.
Posted in: Season ThreeTagged: 1992, 3.20, Northern Exposure, The Final FrontierPermalink2 Comments
2 thoughts on "3.20 The Final Frontier"
elishagabriel says:
Reblogged this on Gabriel's Vision and commented:
Am watching all of Northern Exposure through the winter. Treated self to box set for Crimbo. Here's a blog dedicated to fellow Cicelians called The Alaskan Riviera, if you are of same mind…
cindy huxtable says:
I am watching all the episodes too! Helps to pass the winter.
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Home ▶ Vol 49, No 1 (2019) ▶	Kobisi
Invasive alien plants occurring in Lesotho: Their ethnobotany, potential risks, distribution and origin
Khotso Kobisi, Lerato Seleteng-Kose, Annah Moteetee
Bothalia | Vol 49, No 1 | a2453 | DOI: https://doi.org/10.4102/abc.v49i1.2453	| © 2019 Khotso Kobisi, Lerato Seleteng-Kose, Annah Moteetee | This work is licensed under CC Attribution 4.0
Khotso Kobisi, Private, Maseru, Lesotho
Lerato Seleteng-Kose, National University of Lesotho, Roma, Lesotho; and, Department of Botany and Plant Biotechnology, University of Johannesburg, Johannesburg, South Africa
Annah Moteetee, Department of Botany and Plant Biotechnology, University of Johannesburg, Johannesburg, South Africa
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Background: Several recent studies have documented the ethnobotanical uses of plants used in Lesotho, in particular those used for medicinal purposes. However, these reports did not make a distinction between indigenous, naturalised or invasive alien plants. Furthermore, the existing records on the status of the occurrence of these plants in the country are not up to date.
Objectives: The aim of this article is to present information on the current knowledge regarding the status of invasive alien plant species in Lesotho and to discuss their ethnobotanical uses, distribution in the country, origin and safety. We further assess the existing legislation designed to regulate the spread of such plants and make a comparison with the invasiveness and regulation of such plants in the neighbouring South Africa.
Method: This article is based mainly on a literature survey of published information obtained from various databases, such as Google Scholar, Science Direct and Scopus, as well as from unpublished data such as technical reports, dissertations and theses.
Results: A total of 57 species, comprising one pteridophyte, one gymnosperm and 56 flowering plants (52 dicotyledons and 4 monocotyledons) are documented. Although these plants are invasive in nature, they are utilised for a variety of purposes including food, treatment of various medical conditions, cosmetics and functional uses. However, some of the species are reported to be poisonous to both animals and humans, with a majority of the plants causing skin irritation. Most of these species are widely distributed throughout the country and most of them originated from America, Europe and Asia. Although a number of reports on the occurrence of invasive alien plants have been generated, the information therein has not yet been published.
Conclusion: This study has identified knowledge gaps in terms of safety and distribution of the species, as well as shortfalls in the policies intended to regulate invasive alien species (IAS) in Lesotho. Further research in this regard is therefore recommended.
biodiversity decline; control measures; encroachment; legislation; naturalised


No change so had to charge. No French fries. Main sodas were not working in machine so had to have water. Not enough help. Help tried to call manager but never an answer. March 22, around 2 p.m.
well I went to the jack in the box in veterans and ranking and I order 6 tacos and when I got to work they were soggy and cold with to much lettuce and that will be the last time I will eat at that one.
went to the jack in the box on shepherd Houston tx. they forgot half of the order no biggie ;et that go but then while my 3 year old was biting into burger it had a hair!! like really is there anything right they could do in there..
I love the Teriyaki bowl and in Kerrville TX they never have rice. I have been there more than 10 times and they always say there out. My husband talked to manager and they told me to call ahead of time so they could make rice and it will be ready but now they are not even answering there phone. Plus they are open 24 hours but they never have shakes after midnight. Please help them out cause I love your food but I can never get what I want.
Why would you think an ad about someone being loaded would be good? Maybe for Washington or Colorado it would work.
I could not remember why I had not been to JIB for several years, but I remembered it as soon as I tried to place an order inside the JIB#3186. Really? It's more important to get that order out before 4 minutes are up than to take the order of a customer that has been waiting 10 minutes? Really? Not this customer. This customer prefers service.
They forgot part of my meal and when I showed mu receipt. I was told that all meals dont come with drinks.but thats not true. So I dont know if the manager just woke up with a attitude and took it out on me. I went to jib#4748 in font of the fair park and Iwill never go there again.
Went to the Dayton, Nevada Location and it took an hour to receive 2 items. Another customer had $34.00 worth of food and the customer was there even longer. The help do not understand english and the General Manager was not aware of what they were doing. You advertise great service and great food. The people who hire do not know the professional portion of being a good fast food server. I have heard many complaints with the same outcome. I would believe Mr. Jack In The Box would step up and show some respect with his restaurants and show some caring and handling with all of these consumers who attend his restaurants show some respect. Not a happy customer.
I frequent your store in Twin Falls, Idaho. food is fine, service fine. The facility is horrendous. Filthy inside and out. There are weeds everywhere, piles of them along the entrance way. Bathrooms were nasty.
I love Jack-In-The-Box commercials, they are usually very humerous. Your latest, the Munchie Meal w/the Talk Into My Elbow Lady?? Awful commercial, where did she come from & how did she ever manage to get on TV. Bad commercial, your Ad Agency ripped you off w/this 1 or whoever ok'd it should be questioned. 1 of the all time worst commercials I have ever seen.
The Jack in the Box in Winnie tx was great and especially Todd. He was very kind and considerate and as senior citizens who travel we appreciate it.
I would love to have some papaya milk smoothies. :) just a suggestion. I get your other smoothies in the morning and they are delicious. Your food is wonderful too. The employess at the El Cajon Jack in the box on fletcher parkway by the 67 highway are just faboulous never have had a problem. :) Thanks for your wonderful hours too!
Waited 25 minutes for my order and then assulted by night employee at San Antonio Tx store at 502 N New Braunfels and Houston st. I will make police report. OH AND THE FOOD SUCKED.
Jack In The Box store locations in the U.S.
Note: This is not to be used to contact Jack In The Box Corporate Offices nor is this site affiliated with them in any way. The purpose of this site is supply you with their phone number and address as well as share your thoughts about Jack In The Box. Your review will be posted and available for anyone to read so please keep that in mind when posting personal information.


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text:
Q: Implementing Midpoint Displacement I have been able to successfully implement midpoint displacement in a numbered array in another program and so i'v tried to implement it in a 3D world to create terrain however the outcome of the algorithm isn't what i expected.
void MidPointDisplacement(float grid[][WIDTH], int left, int right, int top, int bottom, int row, int col)
{
  int centreX = (left + right) / 2;     //Get the centre of the row
  int centreY = (top + bottom) / 2;     //Get the centre of the column

  if (centreX == left)
  {
    return;
  }
  if (centreY == bottom)
  {
    return;
  }

  grid[top][centreX] = ((grid[top][left] + grid[top][right]) / 2) + jitter;     //define top
  grid[bottom][centreX] = ((grid[bottom][left] + grid[bottom][right]) / 2) + jitter; //define bottom
  grid[centreY][left] = ((grid[top][left] + grid[bottom][left]) / 2) + jitter; //define left
  grid[centreY][right] = ((grid[top][right] + grid[bottom][right]) / 2) + jitter;  //define right

  grid[centreX][centreY] = ((grid[centreY][left] + grid[centreY][right] +     grid[top][centreX] + grid[bottom][centreX]) / 4) + jitter; //Get centre

 //decreased the random values
 RANDMAX / 2;
 RANDMIN / 2;

 MidPointDisplacement(grid, centreX, right, centreY, bottom, row, col);
 MidPointDisplacement(grid, left, centreX, top, centreY, row, col);
 MidPointDisplacement(grid, centreX, right, top, centreY, row, col);
 MidPointDisplacement(grid, left, centreX, centreY, bottom, row, col);
}

The result of the above is this:
3D Midpoint Displacement
However I expected a terrain like this:
What I expected
Is there any reason why this maybe? I initially thought it could've been the jitter however decreasing the initial value doesn't solve this problem.
float jitter = rand() % (int)(RANDMAX - RANDMIN + 1) + RANDMIN;

Jitter is a global float that takes a random value between RANDMAX (initial value of 5.0f) and RANDMIN (initial value of -5.0f).
Solution:
To fix the above error I deleted the jitter I had created in the program and instead made jitter a float variable of 1.
In the MidpointDisplacement function I changed this:
  grid[top][centreX] = ((grid[top][left] + grid[top][right]) / 2) + jitter;     //define top
  grid[bottom][centreX] = ((grid[bottom][left] + grid[bottom][right]) / 2) + jitter; //define bottom
  grid[centreY][left] = ((grid[top][left] + grid[bottom][left]) / 2) + jitter; //define left
  grid[centreY][right] = ((grid[top][right] + grid[bottom][right]) / 2) + jitter;  //define right

  grid[centreX][centreY] = ((grid[centreY][left] + grid[centreY][right] +     grid[top][centreX] + grid[bottom][centreX]) / 4) + jitter; //Get centre

To this:
  grid[top][centreX] = ((grid[top][left] + grid[top][right]) / 2) + ((rand() % 256) - 128) / 128.0F * JITTER_RANGE * jitter;  //define top
  grid[bottom][centreX] = ((grid[bottom][left] + grid[bottom][right]) / 2) + ((rand() % 256) - 128) / 128.0F * JITTER_RANGE * jitter; //define bottom
  grid[centreY][left] = ((grid[top][left] + grid[bottom][left]) / 2) + ((rand() % 256) - 128) / 128.0F * JITTER_RANGE * jitter; //define left
  grid[centreY][right] = ((grid[top][right] + grid[bottom][right]) / 2) + ((rand() % 256) - 128) / 128.0F * JITTER_RANGE * jitter;  //define right

  grid[centreY][centreX] = ((grid[centreY][left] + grid[centreY][right] + grid[top][centreX] + grid[bottom][centreX]) / 4) + ((rand() % 256) - 128) / 128.0F * JITTER_RANGE * jitter; //Get centre

I then called the function again as done before however this time I divided the jitter by 2.
Also, I discovered that I stupidly had centreX and centreY the wrong way around in the line(Not changed here):
  grid[centreX][centreY] = ((grid[centreY][left] + grid[centreY][right] +     grid[top][centreX] + grid[bottom][centreX]) / 4) + jitter; //Get centre

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